| 2025-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7192% | 3,586 |
| Cost of funding earning assets | 2.0903% | 1,685 |
| Net interest margin | 2.6289% | 3,914 |
| Noninterest income to average assets | 0.3900% | 2,290 |
| Noninterest expense to average assets | 2.1296% | 3,295 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.6541% | 3,220 |
| Return on assets (ROA) | 0.6541% | 3,240 |
| Pretax return on assets | 0.7095% | 3,371 |
| Return on Equity (ROE) | 10.4200% | 2,198 |
| Retained earnings to average equity (ytd only) | 5.6822% | 2,367 |
| Net charge-offs to loans | -0.0228% | 4,125 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 75.0090% | 1,332 |
| Assets per employee ($millions) | 6.2266% | 2,780 |
| Cash dividends to net income (ytd only)* | 45.4899% | 1,338 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3051% | 1,685 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 62.1900% | 2,678 |
| Net loans and leases to deposits | 68.8661% | 2,932 |
| Net loans and leases to core deposits | 76.9646% | 2,893 |
| Total domestic deposits to total assets | 90.3100% | 717 |
| Equity capital to assets | 6.3786% | 4,185 |
| Core capital (leverage) ratio | 9.4970% | 3,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1430% | 1,477 |
| Memoranda: |
| Average total assets | $786,445,000 | 1,253 |
| Average earning assets | $732,333,500 | 1,251 |
| Average equity | $49,347,500 | 1,769 |
| Average total loans | $490,165,500 | 1,332 |
| 2024-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6199% | 3,714 |
| Cost of funding earning assets | 2.2948% | 1,544 |
| Net interest margin | 2.3251% | 4,059 |
| Noninterest income to average assets | 0.4200% | 2,351 |
| Noninterest expense to average assets | 2.0184% | 3,570 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.5320% | 3,395 |
| Return on assets (ROA) | 0.5320% | 3,413 |
| Pretax return on assets | 0.5580% | 3,547 |
| Return on Equity (ROE) | 8.6600% | 2,563 |
| Retained earnings to average equity (ytd only) | 5.0875% | 2,210 |
| Net charge-offs to loans | -0.0338% | 4,276 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 78.3409% | 1,175 |
| Assets per employee ($millions) | 6.4078% | 2,571 |
| Cash dividends to net income (ytd only)* | 41.2788% | 2,073 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3010% | 1,670 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 60.8500% | 2,851 |
| Net loans and leases to deposits | 68.2594% | 3,066 |
| Net loans and leases to core deposits | 76.2746% | 3,032 |
| Total domestic deposits to total assets | 89.1500% | 1,102 |
| Equity capital to assets | 6.1730% | 4,170 |
| Core capital (leverage) ratio | 9.0885% | 3,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8782% | 1,548 |
| Memoranda: |
| Average total assets | $799,613,000 | 1,226 |
| Average earning assets | $743,021,000 | 1,219 |
| Average equity | $49,100,600 | 1,738 |
| Average total loans | $485,788,600 | 1,329 |
| 2024-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5525% | 3,773 |
| Cost of funding earning assets | 2.2663% | 1,605 |
| Net interest margin | 2.2862% | 4,090 |
| Noninterest income to average assets | 0.4000% | 2,420 |
| Noninterest expense to average assets | 2.0096% | 3,547 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.4643% | 3,546 |
| Return on assets (ROA) | 0.4643% | 3,578 |
| Pretax return on assets | 0.5136% | 3,627 |
| Return on Equity (ROE) | 7.5700% | 2,870 |
| Retained earnings to average equity (ytd only) | 4.3924% | 2,698 |
| Net charge-offs to loans | -0.0253% | 4,214 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 79.6450% | 1,104 |
| Assets per employee ($millions) | 6.5345% | 2,480 |
| Cash dividends to net income (ytd only)* | 41.9864% | 1,678 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2921% | 1,749 |
| Loan loss allowance to noncurrent loans | 5,576.9912% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0135% | 3,685 |
| Noncurrent loans to loans | 0.0232% | 3,645 |
| Net loans and leases to total assets | 57.5600% | 3,134 |
| Net loans and leases to deposits | 64.3309% | 3,344 |
| Net loans and leases to core deposits | 75.0207% | 3,121 |
| Total domestic deposits to total assets | 89.4700% | 753 |
| Equity capital to assets | 6.3641% | 4,268 |
| Core capital (leverage) ratio | 9.0974% | 3,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6686% | 1,637 |
| Memoranda: |
| Average total assets | $800,873,750 | 1,214 |
| Average earning assets | $743,698,000 | 1,220 |
| Average equity | $49,113,500 | 1,730 |
| Average total loans | $484,768,500 | 1,322 |
| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5307% | 3,734 |
| Cost of funding earning assets | 2.2258% | 1,589 |
| Net interest margin | 2.3049% | 4,072 |
| Noninterest income to average assets | 0.3900% | 2,441 |
| Noninterest expense to average assets | 2.0752% | 3,389 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.4043% | 3,652 |
| Return on assets (ROA) | 0.4043% | 3,688 |
| Pretax return on assets | 0.4530% | 3,720 |
| Return on Equity (ROE) | 6.6800% | 3,080 |
| Retained earnings to average equity (ytd only) | 4.2311% | 2,630 |
| Net charge-offs to loans | -0.0248% | 4,179 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 82.0834% | 982 |
| Assets per employee ($millions) | 6.0738% | 2,729 |
| Cash dividends to net income (ytd only)* | 36.6771% | 1,954 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2834% | 1,810 |
| Loan loss allowance to noncurrent loans | 4,823.0769% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0165% | 3,622 |
| Noncurrent loans to loans | 0.0266% | 3,584 |
| Net loans and leases to total assets | 61.0800% | 2,854 |
| Net loans and leases to deposits | 67.6474% | 3,149 |
| Net loans and leases to core deposits | 79.4231% | 2,836 |
| Total domestic deposits to total assets | 90.2900% | 633 |
| Equity capital to assets | 5.7827% | 4,254 |
| Core capital (leverage) ratio | 9.3122% | 3,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6934% | 1,623 |
| Memoranda: |
| Average total assets | $789,027,333 | 1,231 |
| Average earning assets | $730,344,000 | 1,225 |
| Average equity | $47,741,333 | 1,740 |
| Average total loans | $483,782,000 | 1,329 |
| 2024-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4894% | 3,695 |
| Cost of funding earning assets | 2.1798% | 1,592 |
| Net interest margin | 2.3096% | 4,093 |
| Noninterest income to average assets | 0.3800% | 2,422 |
| Noninterest expense to average assets | 2.0747% | 3,381 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.4027% | 3,613 |
| Return on assets (ROA) | 0.4027% | 3,634 |
| Pretax return on assets | 0.4437% | 3,674 |
| Return on Equity (ROE) | 6.5100% | 3,077 |
| Retained earnings to average equity (ytd only) | 6.5106% | 1,965 |
| Net charge-offs to loans | -0.0241% | 4,156 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 82.3802% | 1,016 |
| Assets per employee ($millions) | 6.0941% | 2,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2969% | 1,767 |
| Loan loss allowance to noncurrent loans | 1,540.4938% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.0515% | 3,329 |
| Noncurrent loans to loans | 0.0842% | 3,198 |
| Net loans and leases to total assets | 60.4000% | 2,816 |
| Net loans and leases to deposits | 66.8703% | 3,117 |
| Net loans and leases to core deposits | 77.8635% | 2,862 |
| Total domestic deposits to total assets | 90.3300% | 690 |
| Equity capital to assets | 6.0911% | 4,178 |
| Core capital (leverage) ratio | 9.2120% | 3,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7461% | 1,623 |
| Memoranda: |
| Average total assets | $788,743,000 | 1,227 |
| Average earning assets | $729,987,000 | 1,232 |
| Average equity | $48,782,000 | 1,710 |
| Average total loans | $481,399,000 | 1,327 |
| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2187% | 3,590 |
| Cost of funding earning assets | 1.6629% | 1,535 |
| Net interest margin | 2.5558% | 4,028 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 2.1390% | 3,299 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.5852% | 3,476 |
| Return on assets (ROA) | 0.5592% | 3,532 |
| Pretax return on assets | 0.5745% | 3,682 |
| Return on Equity (ROE) | 10.2100% | 2,434 |
| Retained earnings to average equity (ytd only) | 7.2323% | 1,818 |
| Net charge-offs to loans | -0.0332% | 4,283 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 76.9585% | 1,166 |
| Assets per employee ($millions) | 6.1824% | 2,663 |
| Cash dividends to net income (ytd only)* | 29.1521% | 2,580 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2891% | 1,823 |
| Loan loss allowance to noncurrent loans | 5,400.0000% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.0145% | 3,659 |
| Noncurrent loans to loans | 0.0239% | 3,576 |
| Net loans and leases to total assets | 60.0900% | 2,834 |
| Net loans and leases to deposits | 71.0115% | 2,815 |
| Net loans and leases to core deposits | 77.7834% | 2,853 |
| Total domestic deposits to total assets | 84.6200% | 2,426 |
| Equity capital to assets | 6.2779% | 4,172 |
| Core capital (leverage) ratio | 9.3015% | 3,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5616% | 1,661 |
| Memoranda: |
| Average total assets | $765,584,600 | 1,221 |
| Average earning assets | $704,917,200 | 1,222 |
| Average equity | $41,936,600 | 1,816 |
| Average total loans | $457,799,800 | 1,330 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1367% | 3,589 |
| Cost of funding earning assets | 1.5155% | 1,562 |
| Net interest margin | 2.6212% | 3,999 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 2.1578% | 3,189 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.6077% | 3,527 |
| Return on assets (ROA) | 0.5840% | 3,571 |
| Pretax return on assets | 0.6249% | 3,695 |
| Return on Equity (ROE) | 11.0800% | 2,355 |
| Retained earnings to average equity (ytd only) | 6.9230% | 2,316 |
| Net charge-offs to loans | -0.0360% | 4,297 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 75.7740% | 1,196 |
| Assets per employee ($millions) | 5.9736% | 2,787 |
| Cash dividends to net income (ytd only)* | 37.5338% | 1,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2881% | 1,920 |
| Loan loss allowance to noncurrent loans | 11,740.3846% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0068% | 3,792 |
| Noncurrent loans to loans | 0.0110% | 3,718 |
| Net loans and leases to total assets | 61.1900% | 2,731 |
| Net loans and leases to deposits | 70.1710% | 2,832 |
| Net loans and leases to core deposits | 76.9264% | 2,803 |
| Total domestic deposits to total assets | 87.2000% | 1,828 |
| Equity capital to assets | 4.3383% | 4,361 |
| Core capital (leverage) ratio | 9.2195% | 3,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3731% | 1,764 |
| Memoranda: |
| Average total assets | $759,142,500 | 1,228 |
| Average earning assets | $698,085,000 | 1,228 |
| Average equity | $40,000,750 | 1,867 |
| Average total loans | $451,819,500 | 1,338 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9933% | 3,702 |
| Cost of funding earning assets | 1.3585% | 1,559 |
| Net interest margin | 2.6348% | 4,063 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 2.1547% | 3,198 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.6217% | 3,526 |
| Return on assets (ROA) | 0.5858% | 3,622 |
| Pretax return on assets | 0.6233% | 3,752 |
| Return on Equity (ROE) | 10.4900% | 2,557 |
| Retained earnings to average equity (ytd only) | 7.3751% | 2,169 |
| Net charge-offs to loans | 0.0477% | 1,033 |
| Credit loss provision to net charge-offs | 141.5094% | 1,230 |
| Earnings coverage of net charge-offs (x) | 25.0472% | 1,636 |
| Efficiency ratio | 75.4485% | 1,222 |
| Assets per employee ($millions) | 5.6759% | 3,002 |
| Cash dividends to net income (ytd only)* | 29.7115% | 2,089 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2604% | 2,127 |
| Loan loss allowance to noncurrent loans | 1,346.1717% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.0562% | 3,213 |
| Noncurrent loans to loans | 0.0936% | 3,034 |
| Net loans and leases to total assets | 59.3200% | 2,836 |
| Net loans and leases to deposits | 67.6571% | 2,935 |
| Net loans and leases to core deposits | 73.9702% | 2,888 |
| Total domestic deposits to total assets | 87.6800% | 1,712 |
| Equity capital to assets | 5.6148% | 4,265 |
| Core capital (leverage) ratio | 9.3388% | 3,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5955% | 1,699 |
| Memoranda: |
| Average total assets | $757,317,667 | 1,227 |
| Average earning assets | $696,823,000 | 1,229 |
| Average equity | $42,277,333 | 1,804 |
| Average total loans | $444,436,000 | 1,333 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8946% | 3,684 |
| Cost of funding earning assets | 1.1848% | 1,492 |
| Net interest margin | 2.7098% | 4,060 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 2.1752% | 3,169 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.6746% | 3,516 |
| Return on assets (ROA) | 0.6004% | 3,653 |
| Pretax return on assets | 0.6328% | 3,787 |
| Return on Equity (ROE) | 10.7900% | 2,547 |
| Retained earnings to average equity (ytd only) | 10.7864% | 1,519 |
| Net charge-offs to loans | 0.1237% | 526 |
| Credit loss provision to net charge-offs | 55.5556% | 1,290 |
| Earnings coverage of net charge-offs (x) | 10.4667% | 1,661 |
| Efficiency ratio | 74.3417% | 1,307 |
| Assets per employee ($millions) | 5.4032% | 3,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2865% | 2,103 |
| Loan loss allowance to noncurrent loans | 974.0171% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.0779% | 3,020 |
| Noncurrent loans to loans | 0.1321% | 2,851 |
| Net loans and leases to total assets | 58.2100% | 2,854 |
| Net loans and leases to deposits | 64.6108% | 3,039 |
| Net loans and leases to core deposits | 70.6806% | 2,902 |
| Total domestic deposits to total assets | 90.1000% | 1,125 |
| Equity capital to assets | 5.9803% | 4,207 |
| Core capital (leverage) ratio | 9.3510% | 3,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8090% | 1,679 |
| Memoranda: |
| Average total assets | $752,852,000 | 1,251 |
| Average earning assets | $692,753,500 | 1,251 |
| Average equity | $41,904,500 | 1,839 |
| Average total loans | $436,487,000 | 1,361 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3561% | 3,460 |
| Cost of funding earning assets | 0.5343% | 1,197 |
| Net interest margin | 2.8218% | 3,842 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 2.2226% | 2,967 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.8121% | 3,285 |
| Return on assets (ROA) | 0.7916% | 3,289 |
| Pretax return on assets | 0.8281% | 3,556 |
| Return on Equity (ROE) | 12.5400% | 1,956 |
| Retained earnings to average equity (ytd only) | 6.3789% | 2,503 |
| Net charge-offs to loans | 0.0912% | 774 |
| Credit loss provision to net charge-offs | 29.1545% | 1,898 |
| Earnings coverage of net charge-offs (x) | 18.2362% | 1,937 |
| Efficiency ratio | 72.0234% | 1,439 |
| Assets per employee ($millions) | 5.4292% | 3,286 |
| Cash dividends to net income (ytd only)* | 49.1369% | 1,438 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1526% | 2,631 |
| Loan loss allowance to noncurrent loans | 1,056.9296% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.0621% | 3,181 |
| Noncurrent loans to loans | 0.1091% | 2,986 |
| Net loans and leases to total assets | 56.3300% | 2,994 |
| Net loans and leases to deposits | 64.5778% | 2,990 |
| Net loans and leases to core deposits | 70.0679% | 2,864 |
| Total domestic deposits to total assets | 87.2300% | 2,315 |
| Equity capital to assets | 5.1539% | 4,327 |
| Core capital (leverage) ratio | 9.5546% | 3,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6436% | 1,750 |
| Memoranda: |
| Average total assets | $724,514,800 | 1,279 |
| Average earning assets | $667,825,600 | 1,278 |
| Average equity | $45,728,600 | 1,736 |
| Average total loans | $376,228,800 | 1,472 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2215% | 3,385 |
| Cost of funding earning assets | 0.4232% | 1,134 |
| Net interest margin | 2.7983% | 3,739 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 2.2137% | 2,894 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8081% | 3,228 |
| Return on assets (ROA) | 0.8069% | 3,192 |
| Pretax return on assets | 0.8696% | 3,423 |
| Return on Equity (ROE) | 12.2000% | 1,973 |
| Retained earnings to average equity (ytd only) | 6.9704% | 2,368 |
| Net charge-offs to loans | 0.0434% | 1,057 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 39.6864% | 1,393 |
| Efficiency ratio | 71.7670% | 1,547 |
| Assets per employee ($millions) | 5.1563% | 3,544 |
| Cash dividends to net income (ytd only)* | 42.8440% | 1,464 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2776% | 2,139 |
| Loan loss allowance to noncurrent loans | 802.8436% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.0883% | 3,047 |
| Noncurrent loans to loans | 0.1591% | 2,812 |
| Net loans and leases to total assets | 54.7900% | 3,026 |
| Net loans and leases to deposits | 60.7819% | 3,129 |
| Net loans and leases to core deposits | 62.9708% | 3,194 |
| Total domestic deposits to total assets | 90.1400% | 1,600 |
| Equity capital to assets | 4.0090% | 4,477 |
| Core capital (leverage) ratio | 9.3994% | 3,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3803% | 1,606 |
| Memoranda: |
| Average total assets | $716,980,250 | 1,295 |
| Average earning assets | $661,619,500 | 1,294 |
| Average equity | $47,437,250 | 1,704 |
| Average total loans | $362,770,000 | 1,499 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0808% | 3,357 |
| Cost of funding earning assets | 0.3684% | 1,120 |
| Net interest margin | 2.7124% | 3,676 |
| Noninterest income to average assets | 0.5071% | 2,161 |
| Noninterest expense to average assets | 2.1981% | 2,864 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7500% | 3,144 |
| Return on assets (ROA) | 0.7464% | 3,105 |
| Pretax return on assets | 0.8142% | 3,284 |
| Return on Equity (ROE) | 9.9717% | 2,349 |
| Retained earnings to average equity (ytd only) | 5.5001% | 2,511 |
| Net charge-offs to loans | -0.0154% | 3,770 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8778% | 1,642 |
| Assets per employee ($millions) | 5.1271% | 3,568 |
| Cash dividends to net income (ytd only)* | 44.8430% | 1,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4194% | 1,672 |
| Loan loss allowance to noncurrent loans | 1,579.4562% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.0521% | 3,467 |
| Noncurrent loans to loans | 0.0899% | 3,323 |
| Net loans and leases to total assets | 50.9493% | 3,266 |
| Net loans and leases to deposits | 57.2781% | 3,284 |
| Net loans and leases to core deposits | 58.5764% | 3,385 |
| Total domestic deposits to total assets | 88.9506% | 2,206 |
| Equity capital to assets | 5.3906% | 4,398 |
| Core capital (leverage) ratio | 9.5685% | 2,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9643% | 1,440 |
| Memoranda: |
| Average total assets | $717,066,667 | 1,292 |
| Average earning assets | $663,335,667 | 1,302 |
| Average equity | $53,672,000 | 1,594 |
| Average total loans | $351,105,667 | 1,531 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0189% | 3,196 |
| Cost of funding earning assets | 0.3721% | 1,041 |
| Net interest margin | 2.6468% | 3,537 |
| Noninterest income to average assets | 0.5483% | 1,908 |
| Noninterest expense to average assets | 2.2095% | 2,813 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7160% | 2,999 |
| Return on assets (ROA) | 0.7129% | 2,996 |
| Pretax return on assets | 0.7958% | 3,120 |
| Return on Equity (ROE) | 8.3655% | 2,564 |
| Retained earnings to average equity (ytd only) | 8.3655% | 1,465 |
| Net charge-offs to loans | -0.0280% | 4,054 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4381% | 1,804 |
| Assets per employee ($millions) | 5.4706% | 3,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5231% | 1,485 |
| Loan loss allowance to noncurrent loans | 3,205.5215% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 3,763 |
| Noncurrent loans to loans | 0.0475% | 3,637 |
| Net loans and leases to total assets | 47.1388% | 3,475 |
| Net loans and leases to deposits | 52.1076% | 3,561 |
| Net loans and leases to core deposits | 53.7325% | 3,614 |
| Total domestic deposits to total assets | 90.4644% | 1,317 |
| Equity capital to assets | 6.9801% | 4,229 |
| Core capital (leverage) ratio | 9.2327% | 3,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8559% | 1,298 |
| Memoranda: |
| Average total assets | $719,267,000 | 1,294 |
| Average earning assets | $668,585,500 | 1,297 |
| Average equity | $61,299,500 | 1,455 |
| Average total loans | $342,495,500 | 1,544 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1895% | 3,494 |
| Cost of funding earning assets | 0.4660% | 1,092 |
| Net interest margin | 2.7236% | 3,833 |
| Noninterest income to average assets | 0.7985% | 1,451 |
| Noninterest expense to average assets | 2.0215% | 3,616 |
| Loan and lease loss provision to assets | 0.0337% | 2,377 |
| Net operating income to assets | 1.1102% | 2,248 |
| Return on assets (ROA) | 1.1134% | 2,294 |
| Pretax return on assets | 1.2753% | 2,437 |
| Return on Equity (ROE) | 10.8415% | 2,221 |
| Retained earnings to average equity (ytd only) | 2.4136% | 3,853 |
| Net charge-offs to loans | -0.0422% | 4,244 |
| Credit loss provision to net charge-offs | -162.1622% | 3,468 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7624% | 3,031 |
| Assets per employee ($millions) | 5.5960% | 3,167 |
| Cash dividends to net income (ytd only)* | 77.7371% | 550 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5210% | 1,482 |
| Loan loss allowance to noncurrent loans | 813.9280% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.0941% | 3,277 |
| Noncurrent loans to loans | 0.1869% | 3,012 |
| Net loans and leases to total assets | 46.6480% | 3,638 |
| Net loans and leases to deposits | 53.8423% | 3,612 |
| Net loans and leases to core deposits | 55.7906% | 3,632 |
| Total domestic deposits to total assets | 86.6381% | 2,651 |
| Equity capital to assets | 10.0537% | 2,607 |
| Core capital (leverage) ratio | 8.9582% | 3,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2770% | 1,195 |
| Memoranda: |
| Average total assets | $712,058,000 | 1,271 |
| Average earning assets | $661,007,200 | 1,276 |
| Average equity | $73,126,600 | 1,303 |
| Average total loans | $351,073,600 | 1,510 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1381% | 3,729 |
| Cost of funding earning assets | 0.4528% | 1,339 |
| Net interest margin | 2.6853% | 4,004 |
| Noninterest income to average assets | 0.8329% | 1,432 |
| Noninterest expense to average assets | 1.9586% | 3,791 |
| Loan and lease loss provision to assets | 0.0338% | 2,325 |
| Net operating income to assets | 1.1247% | 2,463 |
| Return on assets (ROA) | 1.1277% | 2,511 |
| Pretax return on assets | 1.3312% | 2,538 |
| Return on Equity (ROE) | 10.9227% | 2,391 |
| Retained earnings to average equity (ytd only) | 0.8844% | 4,434 |
| Net charge-offs to loans | -0.0551% | 4,399 |
| Credit loss provision to net charge-offs | -123.2877% | 3,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9926% | 3,124 |
| Assets per employee ($millions) | 5.7970% | 2,896 |
| Cash dividends to net income (ytd only)* | 91.9027% | 260 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4968% | 1,647 |
| Loan loss allowance to noncurrent loans | 200.0779% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.3643% | 1,985 |
| Noncurrent loans to loans | 0.7481% | 1,502 |
| Net loans and leases to total assets | 46.6612% | 3,743 |
| Net loans and leases to deposits | 54.2338% | 3,722 |
| Net loans and leases to core deposits | 56.4557% | 3,740 |
| Total domestic deposits to total assets | 86.0372% | 2,734 |
| Equity capital to assets | 9.8404% | 3,068 |
| Core capital (leverage) ratio | 8.7617% | 3,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4516% | 1,257 |
| Memoranda: |
| Average total assets | $709,601,750 | 1,295 |
| Average earning assets | $657,244,250 | 1,291 |
| Average equity | $73,264,250 | 1,319 |
| Average total loans | $353,355,750 | 1,534 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2066% | 3,667 |
| Cost of funding earning assets | 0.4639% | 1,424 |
| Net interest margin | 2.7427% | 3,894 |
| Noninterest income to average assets | 0.9333% | 1,189 |
| Noninterest expense to average assets | 1.9566% | 3,819 |
| Loan and lease loss provision to assets | 0.0341% | 2,301 |
| Net operating income to assets | 1.2583% | 1,998 |
| Return on assets (ROA) | 1.2614% | 2,060 |
| Pretax return on assets | 1.4755% | 2,096 |
| Return on Equity (ROE) | 12.0243% | 2,052 |
| Retained earnings to average equity (ytd only) | 6.2908% | 2,698 |
| Net charge-offs to loans | -0.0258% | 4,095 |
| Credit loss provision to net charge-offs | -260.8696% | 3,280 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5093% | 3,475 |
| Assets per employee ($millions) | 5.6779% | 2,933 |
| Cash dividends to net income (ytd only)* | 47.6823% | 1,312 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4602% | 1,725 |
| Loan loss allowance to noncurrent loans | 171.6897% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.4022% | 1,998 |
| Noncurrent loans to loans | 0.8505% | 1,451 |
| Net loans and leases to total assets | 46.5971% | 3,859 |
| Net loans and leases to deposits | 54.2010% | 3,847 |
| Net loans and leases to core deposits | 56.5451% | 3,857 |
| Total domestic deposits to total assets | 85.9709% | 2,748 |
| Equity capital to assets | 10.3660% | 2,524 |
| Core capital (leverage) ratio | 9.3212% | 3,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3429% | 1,060 |
| Memoranda: |
| Average total assets | $704,593,333 | 1,298 |
| Average earning assets | $649,713,667 | 1,303 |
| Average equity | $73,917,000 | 1,302 |
| Average total loans | $356,721,667 | 1,537 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3041% | 3,439 |
| Cost of funding earning assets | 0.4754% | 1,555 |
| Net interest margin | 2.8287% | 3,692 |
| Noninterest income to average assets | 0.9943% | 1,138 |
| Noninterest expense to average assets | 1.9835% | 3,768 |
| Loan and lease loss provision to assets | 0.0345% | 2,315 |
| Net operating income to assets | 1.3442% | 1,696 |
| Return on assets (ROA) | 1.3505% | 1,772 |
| Pretax return on assets | 1.5986% | 1,728 |
| Return on Equity (ROE) | 12.7944% | 1,731 |
| Retained earnings to average equity (ytd only) | 6.3237% | 2,786 |
| Net charge-offs to loans | -0.0187% | 3,963 |
| Credit loss provision to net charge-offs | -352.9412% | 3,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9578% | 3,672 |
| Assets per employee ($millions) | 5.6909% | 2,921 |
| Cash dividends to net income (ytd only)* | 50.5742% | 1,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3876% | 2,015 |
| Loan loss allowance to noncurrent loans | 201.5664% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.3440% | 2,424 |
| Noncurrent loans to loans | 0.6884% | 1,861 |
| Net loans and leases to total assets | 48.8519% | 3,727 |
| Net loans and leases to deposits | 56.4863% | 3,760 |
| Net loans and leases to core deposits | 59.3311% | 3,752 |
| Total domestic deposits to total assets | 86.4844% | 2,532 |
| Equity capital to assets | 10.1709% | 2,539 |
| Core capital (leverage) ratio | 9.4345% | 3,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3658% | 1,014 |
| Memoranda: |
| Average total assets | $696,340,500 | 1,289 |
| Average earning assets | $643,682,500 | 1,301 |
| Average equity | $73,501,000 | 1,302 |
| Average total loans | $364,587,500 | 1,508 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4247% | 4,166 |
| Cost of funding earning assets | 0.6134% | 2,219 |
| Net interest margin | 2.8113% | 4,247 |
| Noninterest income to average assets | 0.8897% | 1,295 |
| Noninterest expense to average assets | 2.1671% | 3,765 |
| Loan and lease loss provision to assets | 0.1988% | 1,968 |
| Net operating income to assets | 0.9345% | 2,545 |
| Return on assets (ROA) | 1.0711% | 2,166 |
| Pretax return on assets | 1.2713% | 2,080 |
| Return on Equity (ROE) | 9.5660% | 2,171 |
| Retained earnings to average equity (ytd only) | 0.2025% | 4,458 |
| Net charge-offs to loans | -0.0219% | 4,449 |
| Credit loss provision to net charge-offs | -1,523.8095% | 4,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3692% | 3,061 |
| Assets per employee ($millions) | 5.4073% | 2,944 |
| Cash dividends to net income (ytd only)* | 97.8828% | 278 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2774% | 2,526 |
| Loan loss allowance to noncurrent loans | 354.6794% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.2023% | 3,279 |
| Noncurrent loans to loans | 0.3602% | 2,907 |
| Net loans and leases to total assets | 54.5939% | 3,434 |
| Net loans and leases to deposits | 64.1806% | 3,424 |
| Net loans and leases to core deposits | 67.3539% | 3,450 |
| Total domestic deposits to total assets | 85.0629% | 2,739 |
| Equity capital to assets | 10.9567% | 2,291 |
| Core capital (leverage) ratio | 9.4612% | 3,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5715% | 1,132 |
| Memoranda: |
| Average total assets | $643,822,600 | 1,260 |
| Average earning assets | $591,957,800 | 1,277 |
| Average equity | $72,088,800 | 1,266 |
| Average total loans | $383,557,800 | 1,414 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4126% | 4,330 |
| Cost of funding earning assets | 0.6215% | 2,481 |
| Net interest margin | 2.7911% | 4,350 |
| Noninterest income to average assets | 0.7748% | 1,587 |
| Noninterest expense to average assets | 2.1923% | 3,696 |
| Loan and lease loss provision to assets | 0.1534% | 2,479 |
| Net operating income to assets | 0.8283% | 2,986 |
| Return on assets (ROA) | 1.0102% | 2,434 |
| Pretax return on assets | 1.2199% | 2,326 |
| Return on Equity (ROE) | 8.9703% | 2,406 |
| Retained earnings to average equity (ytd only) | 8.9703% | 991 |
| Net charge-offs to loans | -0.0277% | 4,499 |
| Credit loss provision to net charge-offs | -912.5000% | 3,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5112% | 2,524 |
| Assets per employee ($millions) | 5.3732% | 2,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1019% | 3,199 |
| Loan loss allowance to noncurrent loans | 343.1910% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.2038% | 3,420 |
| Noncurrent loans to loans | 0.3211% | 3,136 |
| Net loans and leases to total assets | 57.3738% | 3,483 |
| Net loans and leases to deposits | 67.9302% | 3,470 |
| Net loans and leases to core deposits | 71.3832% | 3,529 |
| Total domestic deposits to total assets | 84.4599% | 2,652 |
| Equity capital to assets | 10.9922% | 2,404 |
| Core capital (leverage) ratio | 9.5808% | 3,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1417% | 1,031 |
| Memoranda: |
| Average total assets | $634,448,750 | 1,261 |
| Average earning assets | $584,564,250 | 1,270 |
| Average equity | $71,448,500 | 1,261 |
| Average total loans | $385,254,500 | 1,400 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3713% | 4,571 |
| Cost of funding earning assets | 0.6239% | 2,843 |
| Net interest margin | 2.7474% | 4,511 |
| Noninterest income to average assets | 0.5537% | 2,335 |
| Noninterest expense to average assets | 2.1881% | 3,821 |
| Loan and lease loss provision to assets | 0.0577% | 3,581 |
| Net operating income to assets | 0.7230% | 3,309 |
| Return on assets (ROA) | 0.7268% | 3,401 |
| Pretax return on assets | 0.8509% | 3,456 |
| Return on Equity (ROE) | 6.3993% | 3,365 |
| Retained earnings to average equity (ytd only) | 6.3993% | 1,900 |
| Net charge-offs to loans | -0.0494% | 4,681 |
| Credit loss provision to net charge-offs | -189.4737% | 3,468 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7621% | 1,855 |
| Assets per employee ($millions) | 5.2818% | 2,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9182% | 3,923 |
| Loan loss allowance to noncurrent loans | 163.9806% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.3412% | 2,936 |
| Noncurrent loans to loans | 0.5599% | 2,484 |
| Net loans and leases to total assets | 60.3845% | 3,284 |
| Net loans and leases to deposits | 72.0519% | 3,257 |
| Net loans and leases to core deposits | 76.1456% | 3,271 |
| Total domestic deposits to total assets | 83.8069% | 2,814 |
| Equity capital to assets | 11.4660% | 1,993 |
| Core capital (leverage) ratio | 10.3132% | 2,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7315% | 945 |
| Memoranda: |
| Average total assets | $623,841,333 | 1,261 |
| Average earning assets | $576,393,667 | 1,256 |
| Average equity | $70,852,000 | 1,255 |
| Average total loans | $384,831,333 | 1,380 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0505% | 3,652 |
| Cost of funding earning assets | 0.7375% | 2,741 |
| Net interest margin | 3.3130% | 3,559 |
| Noninterest income to average assets | 0.4819% | 2,645 |
| Noninterest expense to average assets | 2.4946% | 3,283 |
| Loan and lease loss provision to assets | 0.0505% | 3,147 |
| Net operating income to assets | 0.8686% | 2,622 |
| Return on assets (ROA) | 0.8686% | 2,728 |
| Pretax return on assets | 1.0135% | 2,804 |
| Return on Equity (ROE) | 7.4183% | 2,773 |
| Retained earnings to average equity (ytd only) | 7.4183% | 1,406 |
| Net charge-offs to loans | -0.1300% | 4,875 |
| Credit loss provision to net charge-offs | -66.6667% | 3,152 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0994% | 2,336 |
| Assets per employee ($millions) | 4.3800% | 3,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2592% | 2,344 |
| Loan loss allowance to noncurrent loans | 137.8399% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.5469% | 2,349 |
| Noncurrent loans to loans | 0.9135% | 1,789 |
| Net loans and leases to total assets | 59.1144% | 3,584 |
| Net loans and leases to deposits | 70.1356% | 3,581 |
| Net loans and leases to core deposits | 72.7097% | 3,719 |
| Total domestic deposits to total assets | 84.2858% | 2,675 |
| Equity capital to assets | 11.8365% | 2,189 |
| Core capital (leverage) ratio | 10.7512% | 2,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0265% | 1,144 |
| Memoranda: |
| Average total assets | $474,787,000 | 1,519 |
| Average earning assets | $440,928,000 | 1,517 |
| Average equity | $55,592,500 | 1,508 |
| Average total loans | $277,009,000 | 1,730 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2875% | 3,567 |
| Cost of funding earning assets | 0.6911% | 3,199 |
| Net interest margin | 3.5964% | 3,146 |
| Noninterest income to average assets | 0.5381% | 2,543 |
| Noninterest expense to average assets | 2.4129% | 3,652 |
| Loan and lease loss provision to assets | 0.0219% | 3,591 |
| Net operating income to assets | 1.1897% | 2,094 |
| Return on assets (ROA) | 1.1875% | 2,202 |
| Pretax return on assets | 1.4296% | 2,048 |
| Return on Equity (ROE) | 10.3616% | 2,137 |
| Retained earnings to average equity (ytd only) | 6.7711% | 1,493 |
| Net charge-offs to loans | 0.5180% | 359 |
| Credit loss provision to net charge-offs | 7.3584% | 3,368 |
| Earnings coverage of net charge-offs (x) | 4.8756% | 3,157 |
| Efficiency ratio | 62.3971% | 3,306 |
| Assets per employee ($millions) | 4.4543% | 3,295 |
| Cash dividends to net income (ytd only)* | 34.6516% | 2,867 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2860% | 1,992 |
| Loan loss allowance to noncurrent loans | 449.0885% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.1627% | 3,830 |
| Noncurrent loans to loans | 0.2864% | 3,416 |
| Net loans and leases to total assets | 56.0720% | 3,917 |
| Net loans and leases to deposits | 66.8690% | 3,906 |
| Net loans and leases to core deposits | 69.0676% | 4,011 |
| Total domestic deposits to total assets | 83.8535% | 2,894 |
| Equity capital to assets | 11.5800% | 2,459 |
| Core capital (leverage) ratio | 10.6503% | 2,809 |
| Tier 1 risk-based capital ratio | 17.5041% | 1,889 |
| Total risk-based capital ratio | 18.7081% | 1,862 |
| Memoranda: |
| Average total assets | $455,667,400 | 1,532 |
| Average earning assets | $421,785,600 | 1,538 |
| Average equity | $52,221,800 | 1,537 |
| Average total loans | $262,360,800 | 1,764 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3007% | 3,652 |
| Cost of funding earning assets | 0.6640% | 3,376 |
| Net interest margin | 3.6366% | 3,149 |
| Noninterest income to average assets | 0.5073% | 2,683 |
| Noninterest expense to average assets | 2.3849% | 3,728 |
| Loan and lease loss provision to assets | 0.0074% | 3,737 |
| Net operating income to assets | 1.2109% | 2,158 |
| Return on assets (ROA) | 1.2080% | 2,244 |
| Pretax return on assets | 1.4799% | 2,020 |
| Return on Equity (ROE) | 10.5691% | 2,182 |
| Retained earnings to average equity (ytd only) | 7.6833% | 1,546 |
| Net charge-offs to loans | 0.6909% | 228 |
| Credit loss provision to net charge-offs | 1.8491% | 3,025 |
| Earnings coverage of net charge-offs (x) | 3.7345% | 3,076 |
| Efficiency ratio | 61.5344% | 3,398 |
| Assets per employee ($millions) | 4.4086% | 3,328 |
| Cash dividends to net income (ytd only)* | 27.3039% | 2,736 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2748% | 2,094 |
| Loan loss allowance to noncurrent loans | 279.5041% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.2614% | 3,521 |
| Noncurrent loans to loans | 0.4561% | 2,936 |
| Net loans and leases to total assets | 56.5788% | 4,007 |
| Net loans and leases to deposits | 67.1725% | 3,979 |
| Net loans and leases to core deposits | 68.8984% | 4,114 |
| Total domestic deposits to total assets | 84.2290% | 2,740 |
| Equity capital to assets | 11.7188% | 2,489 |
| Core capital (leverage) ratio | 10.8102% | 2,826 |
| Tier 1 risk-based capital ratio | 17.9218% | 1,843 |
| Total risk-based capital ratio | 19.1443% | 1,794 |
| Memoranda: |
| Average total assets | $451,546,250 | 1,556 |
| Average earning assets | $418,250,750 | 1,559 |
| Average equity | $51,608,500 | 1,554 |
| Average total loans | $260,902,500 | 1,784 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3076% | 3,616 |
| Cost of funding earning assets | 0.6263% | 3,521 |
| Net interest margin | 3.6812% | 2,986 |
| Noninterest income to average assets | 0.4904% | 2,730 |
| Noninterest expense to average assets | 2.4049% | 3,724 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2154% | 2,093 |
| Return on assets (ROA) | 1.2154% | 2,151 |
| Pretax return on assets | 1.4879% | 1,899 |
| Return on Equity (ROE) | 10.7276% | 2,083 |
| Retained earnings to average equity (ytd only) | 8.7248% | 1,122 |
| Net charge-offs to loans | -0.0301% | 4,678 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7785% | 3,469 |
| Assets per employee ($millions) | 4.1723% | 3,617 |
| Cash dividends to net income (ytd only)* | 18.6696% | 3,064 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8146% | 659 |
| Loan loss allowance to noncurrent loans | 454.3541% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.2298% | 3,653 |
| Noncurrent loans to loans | 0.3994% | 3,096 |
| Net loans and leases to total assets | 56.4905% | 4,046 |
| Net loans and leases to deposits | 66.8338% | 4,035 |
| Net loans and leases to core deposits | 68.4302% | 4,187 |
| Total domestic deposits to total assets | 84.5239% | 2,675 |
| Equity capital to assets | 11.6840% | 2,460 |
| Core capital (leverage) ratio | 10.9066% | 2,682 |
| Tier 1 risk-based capital ratio | 17.8714% | 1,839 |
| Total risk-based capital ratio | 19.1274% | 1,790 |
| Memoranda: |
| Average total assets | $447,759,330 | 1,572 |
| Average earning assets | $413,828,330 | 1,578 |
| Average equity | $50,729,000 | 1,568 |
| Average total loans | $259,440,330 | 1,798 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2861% | 3,600 |
| Cost of funding earning assets | 0.5840% | 3,660 |
| Net interest margin | 3.7021% | 2,884 |
| Noninterest income to average assets | 0.4583% | 2,805 |
| Noninterest expense to average assets | 2.3951% | 3,780 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2245% | 1,967 |
| Return on assets (ROA) | 1.2245% | 2,013 |
| Pretax return on assets | 1.4992% | 1,774 |
| Return on Equity (ROE) | 10.9844% | 1,950 |
| Retained earnings to average equity (ytd only) | 10.9844% | 802 |
| Net charge-offs to loans | -0.0557% | 4,865 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5029% | 3,611 |
| Assets per employee ($millions) | 4.2150% | 3,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8197% | 682 |
| Loan loss allowance to noncurrent loans | 430.8810% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.2464% | 3,631 |
| Noncurrent loans to loans | 0.4223% | 3,078 |
| Net loans and leases to total assets | 57.2870% | 3,960 |
| Net loans and leases to deposits | 66.5142% | 4,013 |
| Net loans and leases to core deposits | 68.0224% | 4,175 |
| Total domestic deposits to total assets | 86.1275% | 2,215 |
| Equity capital to assets | 11.4336% | 2,460 |
| Core capital (leverage) ratio | 10.8806% | 2,678 |
| Tier 1 risk-based capital ratio | 17.3734% | 1,986 |
| Total risk-based capital ratio | 18.6292% | 1,932 |
| Memoranda: |
| Average total assets | $444,246,000 | 1,586 |
| Average earning assets | $412,307,500 | 1,585 |
| Average equity | $49,525,000 | 1,593 |
| Average total loans | $258,331,000 | 1,815 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0079% | 4,006 |
| Cost of funding earning assets | 0.5048% | 3,316 |
| Net interest margin | 3.5030% | 3,697 |
| Noninterest income to average assets | 0.5225% | 2,700 |
| Noninterest expense to average assets | 2.3090% | 4,099 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1973% | 2,182 |
| Return on assets (ROA) | 1.1949% | 2,194 |
| Pretax return on assets | 1.4672% | 1,885 |
| Return on Equity (ROE) | 11.4742% | 1,907 |
| Retained earnings to average equity (ytd only) | 6.9545% | 1,691 |
| Net charge-offs to loans | 0.0163% | 3,141 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 158.5366% | 543 |
| Efficiency ratio | 61.0988% | 3,677 |
| Assets per employee ($millions) | 4.2067% | 3,607 |
| Cash dividends to net income (ytd only)* | 39.3905% | 2,548 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8393% | 639 |
| Loan loss allowance to noncurrent loans | 390.0580% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.2733% | 3,490 |
| Noncurrent loans to loans | 0.4715% | 2,856 |
| Net loans and leases to total assets | 56.8839% | 4,060 |
| Net loans and leases to deposits | 65.9191% | 4,125 |
| Net loans and leases to core deposits | 67.3751% | 4,275 |
| Total domestic deposits to total assets | 86.2935% | 2,092 |
| Equity capital to assets | 10.8593% | 2,838 |
| Core capital (leverage) ratio | 10.5285% | 2,993 |
| Tier 1 risk-based capital ratio | 17.2896% | 1,956 |
| Total risk-based capital ratio | 18.5454% | 1,916 |
| Memoranda: |
| Average total assets | $442,135,600 | 1,558 |
| Average earning assets | $411,042,000 | 1,555 |
| Average equity | $46,042,400 | 1,629 |
| Average total loans | $251,411,800 | 1,816 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9186% | 4,168 |
| Cost of funding earning assets | 0.4831% | 3,311 |
| Net interest margin | 3.4356% | 3,908 |
| Noninterest income to average assets | 0.5104% | 2,801 |
| Noninterest expense to average assets | 2.2418% | 4,230 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1678% | 2,377 |
| Return on assets (ROA) | 1.1743% | 2,345 |
| Pretax return on assets | 1.4737% | 1,986 |
| Return on Equity (ROE) | 11.3982% | 2,019 |
| Retained earnings to average equity (ytd only) | 7.4388% | 1,906 |
| Net charge-offs to loans | 0.0426% | 2,241 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 60.7648% | 1,056 |
| Efficiency ratio | 60.4700% | 3,747 |
| Assets per employee ($millions) | 4.3446% | 3,368 |
| Cash dividends to net income (ytd only)* | 34.7368% | 2,336 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8398% | 666 |
| Loan loss allowance to noncurrent loans | 436.7633% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.2518% | 3,700 |
| Noncurrent loans to loans | 0.4212% | 3,146 |
| Net loans and leases to total assets | 56.2131% | 4,199 |
| Net loans and leases to deposits | 64.7383% | 4,293 |
| Net loans and leases to core deposits | 66.0991% | 4,405 |
| Total domestic deposits to total assets | 86.8314% | 1,808 |
| Equity capital to assets | 10.3484% | 3,287 |
| Core capital (leverage) ratio | 10.3821% | 3,200 |
| Tier 1 risk-based capital ratio | 17.2780% | 1,996 |
| Total risk-based capital ratio | 18.5341% | 1,948 |
| Memoranda: |
| Average total assets | $442,243,750 | 1,567 |
| Average earning assets | $411,527,250 | 1,561 |
| Average equity | $45,561,500 | 1,649 |
| Average total loans | $250,273,250 | 1,825 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8437% | 4,235 |
| Cost of funding earning assets | 0.4666% | 3,245 |
| Net interest margin | 3.3772% | 4,027 |
| Noninterest income to average assets | 0.5173% | 2,763 |
| Noninterest expense to average assets | 2.2596% | 4,236 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1184% | 2,525 |
| Return on assets (ROA) | 1.1463% | 2,409 |
| Pretax return on assets | 1.4373% | 2,030 |
| Return on Equity (ROE) | 11.1433% | 2,052 |
| Retained earnings to average equity (ytd only) | 7.2412% | 1,959 |
| Net charge-offs to loans | -0.0008% | 3,875 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7029% | 3,665 |
| Assets per employee ($millions) | 4.2378% | 3,521 |
| Cash dividends to net income (ytd only)* | 35.0178% | 2,362 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8932% | 642 |
| Loan loss allowance to noncurrent loans | 456.7308% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.2495% | 3,764 |
| Noncurrent loans to loans | 0.4145% | 3,213 |
| Net loans and leases to total assets | 55.3175% | 4,216 |
| Net loans and leases to deposits | 63.2861% | 4,332 |
| Net loans and leases to core deposits | 64.6678% | 4,452 |
| Total domestic deposits to total assets | 87.4086% | 1,681 |
| Equity capital to assets | 10.2602% | 3,378 |
| Core capital (leverage) ratio | 10.2391% | 3,304 |
| Tier 1 risk-based capital ratio | 17.1409% | 2,053 |
| Total risk-based capital ratio | 18.3977% | 1,997 |
| Memoranda: |
| Average total assets | $441,941,330 | 1,576 |
| Average earning assets | $411,529,670 | 1,567 |
| Average equity | $45,462,330 | 1,657 |
| Average total loans | $249,105,000 | 1,839 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8609% | 4,045 |
| Cost of funding earning assets | 0.4291% | 3,378 |
| Net interest margin | 3.4318% | 3,769 |
| Noninterest income to average assets | 0.4813% | 2,927 |
| Noninterest expense to average assets | 2.2950% | 4,200 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1907% | 2,049 |
| Return on assets (ROA) | 1.1907% | 2,062 |
| Pretax return on assets | 1.3823% | 2,072 |
| Return on Equity (ROE) | 11.5592% | 1,739 |
| Retained earnings to average equity (ytd only) | 7.7149% | 1,951 |
| Net charge-offs to loans | -0.0129% | 4,359 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4105% | 3,716 |
| Assets per employee ($millions) | 4.3554% | 3,392 |
| Cash dividends to net income (ytd only)* | 33.2571% | 2,057 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9079% | 647 |
| Loan loss allowance to noncurrent loans | 470.0593% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.2353% | 3,929 |
| Noncurrent loans to loans | 0.4059% | 3,334 |
| Net loans and leases to total assets | 55.5985% | 4,152 |
| Net loans and leases to deposits | 64.4566% | 4,182 |
| Net loans and leases to core deposits | 65.8634% | 4,316 |
| Total domestic deposits to total assets | 86.2573% | 2,418 |
| Equity capital to assets | 10.2391% | 3,349 |
| Core capital (leverage) ratio | 10.1652% | 3,343 |
| Tier 1 risk-based capital ratio | 16.8281% | 2,170 |
| Total risk-based capital ratio | 18.0850% | 2,115 |
| Memoranda: |
| Average total assets | $440,430,000 | 1,596 |
| Average earning assets | $410,159,500 | 1,583 |
| Average equity | $45,366,500 | 1,665 |
| Average total loans | $248,211,000 | 1,866 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6008% | 4,575 |
| Cost of funding earning assets | 0.4236% | 3,015 |
| Net interest margin | 3.1772% | 4,501 |
| Noninterest income to average assets | 0.5015% | 2,989 |
| Noninterest expense to average assets | 2.2420% | 4,451 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8001% | 3,157 |
| Return on assets (ROA) | 0.7916% | 3,242 |
| Pretax return on assets | 1.2044% | 2,756 |
| Return on Equity (ROE) | 7.7062% | 2,947 |
| Retained earnings to average equity (ytd only) | 3.5906% | 3,117 |
| Net charge-offs to loans | 0.0303% | 3,192 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 73.2740% | 822 |
| Efficiency ratio | 64.8138% | 3,481 |
| Assets per employee ($millions) | 4.4542% | 3,263 |
| Cash dividends to net income (ytd only)* | 53.4062% | 2,097 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9220% | 621 |
| Loan loss allowance to noncurrent loans | 221.3986% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.5236% | 2,813 |
| Noncurrent loans to loans | 0.8681% | 2,053 |
| Net loans and leases to total assets | 54.9569% | 4,274 |
| Net loans and leases to deposits | 63.0647% | 4,377 |
| Net loans and leases to core deposits | 64.4295% | 4,509 |
| Total domestic deposits to total assets | 87.1437% | 1,920 |
| Equity capital to assets | 10.3618% | 3,319 |
| Core capital (leverage) ratio | 9.7952% | 3,702 |
| Tier 1 risk-based capital ratio | 16.9574% | 2,113 |
| Total risk-based capital ratio | 18.2147% | 2,053 |
| Memoranda: |
| Average total assets | $439,466,000 | 1,580 |
| Average earning assets | $409,108,000 | 1,567 |
| Average equity | $45,145,400 | 1,655 |
| Average total loans | $240,679,600 | 1,872 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5506% | 4,688 |
| Cost of funding earning assets | 0.4246% | 2,933 |
| Net interest margin | 3.1260% | 4,634 |
| Noninterest income to average assets | 0.4746% | 3,185 |
| Noninterest expense to average assets | 2.1890% | 4,549 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8589% | 3,233 |
| Return on assets (ROA) | 0.8672% | 3,236 |
| Pretax return on assets | 1.2076% | 2,871 |
| Return on Equity (ROE) | 8.4604% | 2,903 |
| Retained earnings to average equity (ytd only) | 4.4257% | 3,264 |
| Net charge-offs to loans | 0.0318% | 2,798 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 69.1036% | 902 |
| Efficiency ratio | 64.6663% | 3,426 |
| Assets per employee ($millions) | 4.6138% | 2,953 |
| Cash dividends to net income (ytd only)* | 47.6890% | 1,879 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9539% | 621 |
| Loan loss allowance to noncurrent loans | 173.1468% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.6622% | 2,517 |
| Noncurrent loans to loans | 1.1285% | 1,704 |
| Net loans and leases to total assets | 53.9824% | 4,418 |
| Net loans and leases to deposits | 61.7871% | 4,527 |
| Net loans and leases to core deposits | 63.1561% | 4,644 |
| Total domestic deposits to total assets | 87.3684% | 1,687 |
| Equity capital to assets | 10.4052% | 3,471 |
| Core capital (leverage) ratio | 9.7676% | 3,860 |
| Tier 1 risk-based capital ratio | 17.0881% | 2,131 |
| Total risk-based capital ratio | 18.3458% | 2,086 |
| Memoranda: |
| Average total assets | $439,090,750 | 1,591 |
| Average earning assets | $408,817,750 | 1,581 |
| Average equity | $45,008,750 | 1,677 |
| Average total loans | $239,076,750 | 1,897 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5259% | 4,697 |
| Cost of funding earning assets | 0.4263% | 2,834 |
| Net interest margin | 3.0996% | 4,686 |
| Noninterest income to average assets | 0.4235% | 3,540 |
| Noninterest expense to average assets | 2.1644% | 4,640 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8239% | 3,276 |
| Return on assets (ROA) | 0.8364% | 3,270 |
| Pretax return on assets | 1.1599% | 2,938 |
| Return on Equity (ROE) | 8.2017% | 2,914 |
| Retained earnings to average equity (ytd only) | 3.9821% | 3,336 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4510% | 3,443 |
| Assets per employee ($millions) | 4.5434% | 3,038 |
| Cash dividends to net income (ytd only)* | 51.4473% | 1,793 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0460% | 552 |
| Loan loss allowance to noncurrent loans | 423.8137% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.3003% | 3,930 |
| Noncurrent loans to loans | 0.4828% | 3,303 |
| Net loans and leases to total assets | 51.8584% | 4,585 |
| Net loans and leases to deposits | 59.2388% | 4,686 |
| Net loans and leases to core deposits | 60.6050% | 4,791 |
| Total domestic deposits to total assets | 87.5413% | 1,691 |
| Equity capital to assets | 10.2483% | 3,616 |
| Core capital (leverage) ratio | 9.6999% | 3,896 |
| Tier 1 risk-based capital ratio | 17.1350% | 2,127 |
| Total risk-based capital ratio | 18.3936% | 2,065 |
| Memoranda: |
| Average total assets | $437,813,670 | 1,598 |
| Average earning assets | $407,272,000 | 1,592 |
| Average equity | $44,649,330 | 1,687 |
| Average total loans | $237,480,670 | 1,902 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5145% | 4,654 |
| Cost of funding earning assets | 0.4279% | 2,740 |
| Net interest margin | 3.0866% | 4,690 |
| Noninterest income to average assets | 0.3796% | 3,810 |
| Noninterest expense to average assets | 2.1710% | 4,718 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7801% | 3,307 |
| Return on assets (ROA) | 0.8054% | 3,259 |
| Pretax return on assets | 1.1150% | 2,922 |
| Return on Equity (ROE) | 7.9169% | 2,962 |
| Retained earnings to average equity (ytd only) | 3.1976% | 3,828 |
| Net charge-offs to loans | -0.0101% | 4,425 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7800% | 3,369 |
| Assets per employee ($millions) | 4.5951% | 3,012 |
| Cash dividends to net income (ytd only)* | 59.6110% | 1,441 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0187% | 650 |
| Loan loss allowance to noncurrent loans | 462.4521% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.2392% | 4,267 |
| Noncurrent loans to loans | 0.4365% | 3,530 |
| Net loans and leases to total assets | 53.6819% | 4,362 |
| Net loans and leases to deposits | 61.3243% | 4,472 |
| Net loans and leases to core deposits | 62.7661% | 4,604 |
| Total domestic deposits to total assets | 87.5377% | 1,966 |
| Equity capital to assets | 10.2027% | 3,507 |
| Core capital (leverage) ratio | 9.7892% | 3,768 |
| Tier 1 risk-based capital ratio | 16.9612% | 2,192 |
| Total risk-based capital ratio | 18.2196% | 2,143 |
| Memoranda: |
| Average total assets | $434,093,000 | 1,623 |
| Average earning assets | $403,812,000 | 1,615 |
| Average equity | $44,158,500 | 1,705 |
| Average total loans | $238,358,500 | 1,898 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5502% | 4,640 |
| Cost of funding earning assets | 0.4554% | 2,490 |
| Net interest margin | 3.0947% | 4,738 |
| Noninterest income to average assets | 0.4651% | 3,451 |
| Noninterest expense to average assets | 2.0684% | 5,061 |
| Loan and lease loss provision to assets | 0.0177% | 4,026 |
| Net operating income to assets | 0.9413% | 2,628 |
| Return on assets (ROA) | 0.9445% | 2,715 |
| Pretax return on assets | 1.2712% | 2,391 |
| Return on Equity (ROE) | 8.9856% | 2,428 |
| Retained earnings to average equity (ytd only) | 4.4366% | 2,759 |
| Net charge-offs to loans | 0.0837% | 2,491 |
| Credit loss provision to net charge-offs | 38.4615% | 3,509 |
| Earnings coverage of net charge-offs (x) | 27.9026% | 1,493 |
| Efficiency ratio | 61.6858% | 4,313 |
| Assets per employee ($millions) | 4.6414% | 2,896 |
| Cash dividends to net income (ytd only)* | 50.6250% | 2,267 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0299% | 622 |
| Loan loss allowance to noncurrent loans | 409.6856% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.2727% | 4,193 |
| Noncurrent loans to loans | 0.4955% | 3,383 |
| Net loans and leases to total assets | 53.9155% | 4,447 |
| Net loans and leases to deposits | 61.6733% | 4,563 |
| Net loans and leases to core deposits | 63.1538% | 4,682 |
| Total domestic deposits to total assets | 87.4211% | 1,921 |
| Equity capital to assets | 10.1422% | 3,560 |
| Core capital (leverage) ratio | 9.6542% | 3,905 |
| Tier 1 risk-based capital ratio | 16.6596% | 2,287 |
| Total risk-based capital ratio | 17.9180% | 2,226 |
| Memoranda: |
| Average total assets | $423,524,000 | 1,607 |
| Average earning assets | $395,222,400 | 1,596 |
| Average equity | $44,515,600 | 1,671 |
| Average total loans | $232,875,000 | 1,885 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5471% | 4,690 |
| Cost of funding earning assets | 0.4561% | 2,494 |
| Net interest margin | 3.0911% | 4,795 |
| Noninterest income to average assets | 0.4476% | 3,577 |
| Noninterest expense to average assets | 1.9903% | 5,226 |
| Loan and lease loss provision to assets | 0.0237% | 3,773 |
| Net operating income to assets | 0.9408% | 2,700 |
| Return on assets (ROA) | 0.9449% | 2,811 |
| Pretax return on assets | 1.3270% | 2,324 |
| Return on Equity (ROE) | 8.9096% | 2,550 |
| Retained earnings to average equity (ytd only) | 5.2736% | 2,648 |
| Net charge-offs to loans | -0.0190% | 4,986 |
| Credit loss provision to net charge-offs | -227.2727% | 4,896 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6737% | 4,589 |
| Assets per employee ($millions) | 4.7341% | 2,692 |
| Cash dividends to net income (ytd only)* | 40.8101% | 2,318 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1564% | 550 |
| Loan loss allowance to noncurrent loans | 371.5968% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.3215% | 4,121 |
| Noncurrent loans to loans | 0.5803% | 3,269 |
| Net loans and leases to total assets | 53.1898% | 4,566 |
| Net loans and leases to deposits | 60.8713% | 4,693 |
| Net loans and leases to core deposits | 62.1582% | 4,818 |
| Total domestic deposits to total assets | 87.3807% | 1,721 |
| Equity capital to assets | 10.6590% | 3,396 |
| Core capital (leverage) ratio | 9.7938% | 3,815 |
| Tier 1 risk-based capital ratio | 17.2753% | 2,139 |
| Total risk-based capital ratio | 18.5357% | 2,093 |
| Memoranda: |
| Average total assets | $421,491,750 | 1,611 |
| Average earning assets | $393,772,250 | 1,594 |
| Average equity | $44,699,750 | 1,675 |
| Average total loans | $231,706,250 | 1,899 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5915% | 4,615 |
| Cost of funding earning assets | 0.4592% | 2,486 |
| Net interest margin | 3.1323% | 4,744 |
| Noninterest income to average assets | 0.4369% | 3,624 |
| Noninterest expense to average assets | 2.0039% | 5,258 |
| Loan and lease loss provision to assets | 0.0359% | 3,438 |
| Net operating income to assets | 0.9413% | 2,668 |
| Return on assets (ROA) | 0.9474% | 2,778 |
| Pretax return on assets | 1.3303% | 2,287 |
| Return on Equity (ROE) | 8.9494% | 2,516 |
| Retained earnings to average equity (ytd only) | 5.2784% | 2,562 |
| Net charge-offs to loans | -0.0225% | 4,997 |
| Credit loss provision to net charge-offs | -288.4615% | 4,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6132% | 4,692 |
| Assets per employee ($millions) | 4.4989% | 3,032 |
| Cash dividends to net income (ytd only)* | 41.0192% | 2,366 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1823% | 561 |
| Loan loss allowance to noncurrent loans | 381.7562% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.3185% | 4,222 |
| Noncurrent loans to loans | 0.5717% | 3,354 |
| Net loans and leases to total assets | 53.4501% | 4,560 |
| Net loans and leases to deposits | 61.1197% | 4,724 |
| Net loans and leases to core deposits | 62.4254% | 4,858 |
| Total domestic deposits to total assets | 87.4514% | 1,690 |
| Equity capital to assets | 10.6987% | 3,399 |
| Core capital (leverage) ratio | 9.7441% | 3,876 |
| Tier 1 risk-based capital ratio | 17.1945% | 2,156 |
| Total risk-based capital ratio | 18.4551% | 2,119 |
| Memoranda: |
| Average total assets | $418,388,670 | 1,621 |
| Average earning assets | $390,640,670 | 1,607 |
| Average equity | $44,293,330 | 1,695 |
| Average total loans | $230,877,670 | 1,902 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6410% | 4,504 |
| Cost of funding earning assets | 0.4650% | 2,421 |
| Net interest margin | 3.1760% | 4,652 |
| Noninterest income to average assets | 0.4297% | 3,620 |
| Noninterest expense to average assets | 1.9888% | 5,367 |
| Loan and lease loss provision to assets | 0.0721% | 2,516 |
| Net operating income to assets | 0.9422% | 2,550 |
| Return on assets (ROA) | 0.9545% | 2,609 |
| Pretax return on assets | 1.3534% | 2,076 |
| Return on Equity (ROE) | 9.0649% | 2,398 |
| Retained earnings to average equity (ytd only) | 5.3586% | 2,736 |
| Net charge-offs to loans | -0.0381% | 5,188 |
| Credit loss provision to net charge-offs | -340.9091% | 4,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5456% | 4,940 |
| Assets per employee ($millions) | 4.6840% | 2,769 |
| Cash dividends to net income (ytd only)* | 40.8862% | 2,049 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1902% | 601 |
| Loan loss allowance to noncurrent loans | 368.3480% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.3344% | 4,219 |
| Noncurrent loans to loans | 0.5946% | 3,405 |
| Net loans and leases to total assets | 53.9803% | 4,456 |
| Net loans and leases to deposits | 61.6550% | 4,601 |
| Net loans and leases to core deposits | 62.9896% | 4,754 |
| Total domestic deposits to total assets | 87.5522% | 1,895 |
| Equity capital to assets | 10.6351% | 3,328 |
| Core capital (leverage) ratio | 9.7641% | 3,827 |
| Tier 1 risk-based capital ratio | 17.0513% | 2,270 |
| Total risk-based capital ratio | 18.3122% | 2,228 |
| Memoranda: |
| Average total assets | $416,132,500 | 1,629 |
| Average earning assets | $388,792,500 | 1,612 |
| Average equity | $43,817,500 | 1,703 |
| Average total loans | $230,774,500 | 1,910 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5194% | 4,865 |
| Cost of funding earning assets | 0.5096% | 2,076 |
| Net interest margin | 3.0099% | 5,117 |
| Noninterest income to average assets | 0.4490% | 3,680 |
| Noninterest expense to average assets | 1.9947% | 5,464 |
| Loan and lease loss provision to assets | 0.0872% | 2,549 |
| Net operating income to assets | 0.8631% | 3,052 |
| Return on assets (ROA) | 0.8641% | 3,123 |
| Pretax return on assets | 1.1867% | 2,707 |
| Return on Equity (ROE) | 8.3685% | 2,772 |
| Retained earnings to average equity (ytd only) | 4.6956% | 2,648 |
| Net charge-offs to loans | 0.0476% | 3,255 |
| Credit loss provision to net charge-offs | 339.6226% | 883 |
| Earnings coverage of net charge-offs (x) | 49.5660% | 1,008 |
| Efficiency ratio | 61.0526% | 4,751 |
| Assets per employee ($millions) | 4.6673% | 2,781 |
| Cash dividends to net income (ytd only)* | 43.8901% | 2,648 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1350% | 656 |
| Loan loss allowance to noncurrent loans | 314.9777% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.3979% | 4,004 |
| Noncurrent loans to loans | 0.6778% | 3,168 |
| Net loans and leases to total assets | 54.5361% | 4,447 |
| Net loans and leases to deposits | 62.9311% | 4,549 |
| Net loans and leases to core deposits | 64.3206% | 4,719 |
| Total domestic deposits to total assets | 86.6600% | 2,293 |
| Equity capital to assets | 10.4240% | 3,451 |
| Core capital (leverage) ratio | 9.5793% | 4,075 |
| Tier 1 risk-based capital ratio | 16.5950% | 2,430 |
| Total risk-based capital ratio | 17.8549% | 2,385 |
| Memoranda: |
| Average total assets | $412,904,000 | 1,596 |
| Average earning assets | $386,595,400 | 1,581 |
| Average equity | $42,636,000 | 1,713 |
| Average total loans | $222,784,800 | 1,905 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5000% | 4,983 |
| Cost of funding earning assets | 0.5153% | 2,079 |
| Net interest margin | 2.9846% | 5,235 |
| Noninterest income to average assets | 0.4369% | 3,824 |
| Noninterest expense to average assets | 1.9491% | 5,569 |
| Loan and lease loss provision to assets | 0.0873% | 2,406 |
| Net operating income to assets | 0.8763% | 3,055 |
| Return on assets (ROA) | 0.8777% | 3,132 |
| Pretax return on assets | 1.1988% | 2,824 |
| Return on Equity (ROE) | 8.5203% | 2,814 |
| Retained earnings to average equity (ytd only) | 4.8347% | 3,028 |
| Net charge-offs to loans | 0.0695% | 2,568 |
| Credit loss provision to net charge-offs | 234.7826% | 1,190 |
| Earnings coverage of net charge-offs (x) | 34.5303% | 1,369 |
| Efficiency ratio | 60.2821% | 4,851 |
| Assets per employee ($millions) | 4.6228% | 2,804 |
| Cash dividends to net income (ytd only)* | 43.2570% | 2,163 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1258% | 734 |
| Loan loss allowance to noncurrent loans | 235.5545% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.5293% | 3,725 |
| Noncurrent loans to loans | 0.9025% | 2,718 |
| Net loans and leases to total assets | 53.5942% | 4,608 |
| Net loans and leases to deposits | 61.8620% | 4,728 |
| Net loans and leases to core deposits | 63.4112% | 4,846 |
| Total domestic deposits to total assets | 86.6350% | 2,216 |
| Equity capital to assets | 10.4175% | 3,691 |
| Core capital (leverage) ratio | 9.4507% | 4,365 |
| Tier 1 risk-based capital ratio | 16.5567% | 2,544 |
| Total risk-based capital ratio | 17.8162% | 2,497 |
| Memoranda: |
| Average total assets | $412,282,750 | 1,610 |
| Average earning assets | $386,278,500 | 1,588 |
| Average equity | $42,470,000 | 1,736 |
| Average total loans | $220,611,250 | 1,924 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4979% | 4,985 |
| Cost of funding earning assets | 0.5252% | 2,029 |
| Net interest margin | 2.9728% | 5,283 |
| Noninterest income to average assets | 0.4087% | 4,018 |
| Noninterest expense to average assets | 1.9566% | 5,623 |
| Loan and lease loss provision to assets | 0.0876% | 2,356 |
| Net operating income to assets | 0.8243% | 3,251 |
| Return on assets (ROA) | 0.8243% | 3,363 |
| Pretax return on assets | 1.1493% | 2,973 |
| Return on Equity (ROE) | 8.0324% | 3,035 |
| Retained earnings to average equity (ytd only) | 4.3197% | 3,275 |
| Net charge-offs to loans | 0.1054% | 1,950 |
| Credit loss provision to net charge-offs | 156.5217% | 1,490 |
| Earnings coverage of net charge-offs (x) | 22.1043% | 1,655 |
| Efficiency ratio | 61.2677% | 4,789 |
| Assets per employee ($millions) | 4.5634% | 2,879 |
| Cash dividends to net income (ytd only)* | 46.2220% | 2,102 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1652% | 770 |
| Loan loss allowance to noncurrent loans | 169.9321% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 0.6949% | 3,313 |
| Noncurrent loans to loans | 1.2742% | 2,114 |
| Net loans and leases to total assets | 52.2911% | 4,729 |
| Net loans and leases to deposits | 59.4554% | 4,894 |
| Net loans and leases to core deposits | 61.0182% | 5,006 |
| Total domestic deposits to total assets | 87.9500% | 1,673 |
| Equity capital to assets | 10.2972% | 3,695 |
| Core capital (leverage) ratio | 9.3761% | 4,455 |
| Tier 1 risk-based capital ratio | 16.4925% | 2,606 |
| Total risk-based capital ratio | 17.7521% | 2,559 |
| Memoranda: |
| Average total assets | $411,027,330 | 1,627 |
| Average earning assets | $385,028,330 | 1,604 |
| Average equity | $42,179,330 | 1,755 |
| Average total loans | $218,208,000 | 1,953 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5118% | 4,925 |
| Cost of funding earning assets | 0.5341% | 1,979 |
| Net interest margin | 2.9776% | 5,275 |
| Noninterest income to average assets | 0.3736% | 4,215 |
| Noninterest expense to average assets | 1.9436% | 5,681 |
| Loan and lease loss provision to assets | 0.0876% | 2,230 |
| Net operating income to assets | 0.8210% | 3,149 |
| Return on assets (ROA) | 0.8210% | 3,280 |
| Pretax return on assets | 1.1352% | 2,926 |
| Return on Equity (ROE) | 8.0145% | 2,950 |
| Retained earnings to average equity (ytd only) | 4.3016% | 3,432 |
| Net charge-offs to loans | -0.0441% | 5,453 |
| Credit loss provision to net charge-offs | -375.0000% | 4,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3825% | 4,905 |
| Assets per employee ($millions) | 4.8183% | 2,598 |
| Cash dividends to net income (ytd only)* | 46.3270% | 1,846 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2135% | 793 |
| Loan loss allowance to noncurrent loans | 154.5542% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.8329% | 3,004 |
| Noncurrent loans to loans | 1.4322% | 1,996 |
| Net loans and leases to total assets | 51.7990% | 4,677 |
| Net loans and leases to deposits | 59.0205% | 4,828 |
| Net loans and leases to core deposits | 60.5095% | 4,955 |
| Total domestic deposits to total assets | 87.7644% | 1,952 |
| Equity capital to assets | 10.4321% | 3,611 |
| Core capital (leverage) ratio | 9.2920% | 4,585 |
| Tier 1 risk-based capital ratio | 16.3718% | 2,744 |
| Total risk-based capital ratio | 17.6218% | 2,683 |
| Memoranda: |
| Average total assets | $411,188,500 | 1,637 |
| Average earning assets | $385,674,000 | 1,605 |
| Average equity | $42,123,500 | 1,760 |
| Average total loans | $217,667,000 | 1,957 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4995% | 5,317 |
| Cost of funding earning assets | 0.5815% | 1,938 |
| Net interest margin | 2.9180% | 5,605 |
| Noninterest income to average assets | 0.4054% | 4,146 |
| Noninterest expense to average assets | 1.9293% | 5,891 |
| Loan and lease loss provision to assets | 0.1236% | 2,121 |
| Net operating income to assets | 0.8005% | 3,368 |
| Return on assets (ROA) | 0.8029% | 3,454 |
| Pretax return on assets | 1.0845% | 3,147 |
| Return on Equity (ROE) | 8.2129% | 3,012 |
| Retained earnings to average equity (ytd only) | 4.3308% | 3,108 |
| Net charge-offs to loans | 0.0827% | 3,315 |
| Credit loss provision to net charge-offs | 291.4286% | 882 |
| Earnings coverage of net charge-offs (x) | 28.4114% | 1,394 |
| Efficiency ratio | 61.5557% | 4,981 |
| Assets per employee ($millions) | 4.6385% | 2,815 |
| Cash dividends to net income (ytd only)* | 47.2683% | 2,438 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1466% | 886 |
| Loan loss allowance to noncurrent loans | 132.2426% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 0.9324% | 2,885 |
| Noncurrent loans to loans | 1.6233% | 1,806 |
| Net loans and leases to total assets | 51.7653% | 4,807 |
| Net loans and leases to deposits | 59.1416% | 4,969 |
| Net loans and leases to core deposits | 60.9471% | 5,070 |
| Total domestic deposits to total assets | 87.5276% | 2,018 |
| Equity capital to assets | 10.0580% | 4,033 |
| Core capital (leverage) ratio | 9.0773% | 4,861 |
| Tier 1 risk-based capital ratio | 16.1653% | 2,879 |
| Total risk-based capital ratio | 17.4247% | 2,815 |
| Memoranda: |
| Average total assets | $412,646,400 | 1,600 |
| Average earning assets | $385,879,600 | 1,574 |
| Average equity | $40,339,000 | 1,764 |
| Average total loans | $211,582,200 | 1,962 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4826% | 5,436 |
| Cost of funding earning assets | 0.5859% | 1,959 |
| Net interest margin | 2.8967% | 5,709 |
| Noninterest income to average assets | 0.4175% | 4,119 |
| Noninterest expense to average assets | 1.9385% | 5,885 |
| Loan and lease loss provision to assets | 0.1260% | 1,986 |
| Net operating income to assets | 0.7759% | 3,530 |
| Return on assets (ROA) | 0.7794% | 3,621 |
| Pretax return on assets | 1.0641% | 3,322 |
| Return on Equity (ROE) | 8.0311% | 3,186 |
| Retained earnings to average equity (ytd only) | 4.1221% | 3,721 |
| Net charge-offs to loans | -0.0229% | 5,651 |
| Credit loss provision to net charge-offs | -1,083.3333% | 5,883 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0565% | 4,880 |
| Assets per employee ($millions) | 4.6689% | 2,710 |
| Cash dividends to net income (ytd only)* | 48.6732% | 1,906 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2502% | 878 |
| Loan loss allowance to noncurrent loans | 106.3418% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 1.1848% | 2,586 |
| Noncurrent loans to loans | 2.1160% | 1,479 |
| Net loans and leases to total assets | 50.5293% | 4,946 |
| Net loans and leases to deposits | 57.5191% | 5,139 |
| Net loans and leases to core deposits | 59.2702% | 5,242 |
| Total domestic deposits to total assets | 87.8477% | 1,839 |
| Equity capital to assets | 9.9620% | 4,211 |
| Core capital (leverage) ratio | 9.0422% | 5,018 |
| Tier 1 risk-based capital ratio | 16.3701% | 2,866 |
| Total risk-based capital ratio | 17.6304% | 2,816 |
| Memoranda: |
| Average total assets | $412,601,750 | 1,615 |
| Average earning assets | $385,484,000 | 1,588 |
| Average equity | $40,043,250 | 1,788 |
| Average total loans | $209,880,750 | 1,984 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4879% | 5,431 |
| Cost of funding earning assets | 0.5881% | 1,997 |
| Net interest margin | 2.8999% | 5,734 |
| Noninterest income to average assets | 0.4206% | 4,093 |
| Noninterest expense to average assets | 1.9667% | 5,881 |
| Loan and lease loss provision to assets | 0.1307% | 1,888 |
| Net operating income to assets | 0.7599% | 3,516 |
| Return on assets (ROA) | 0.7653% | 3,595 |
| Pretax return on assets | 1.0397% | 3,324 |
| Return on Equity (ROE) | 7.9552% | 3,122 |
| Retained earnings to average equity (ytd only) | 4.0153% | 3,625 |
| Net charge-offs to loans | -0.0383% | 5,769 |
| Credit loss provision to net charge-offs | -675.0000% | 5,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8364% | 4,886 |
| Assets per employee ($millions) | 4.5531% | 2,841 |
| Cash dividends to net income (ytd only)* | 49.5256% | 1,953 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1944% | 1,034 |
| Loan loss allowance to noncurrent loans | 102.0127% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 1.1986% | 2,695 |
| Noncurrent loans to loans | 2.1511% | 1,543 |
| Net loans and leases to total assets | 50.1601% | 4,949 |
| Net loans and leases to deposits | 56.8574% | 5,133 |
| Net loans and leases to core deposits | 58.5648% | 5,234 |
| Total domestic deposits to total assets | 88.2210% | 1,777 |
| Equity capital to assets | 9.8009% | 4,355 |
| Core capital (leverage) ratio | 8.9281% | 5,119 |
| Tier 1 risk-based capital ratio | 16.1770% | 2,991 |
| Total risk-based capital ratio | 17.4369% | 2,939 |
| Memoranda: |
| Average total assets | $413,182,000 | 1,612 |
| Average earning assets | $386,018,330 | 1,590 |
| Average equity | $39,747,670 | 1,787 |
| Average total loans | $209,046,330 | 1,984 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5014% | 5,422 |
| Cost of funding earning assets | 0.5960% | 2,004 |
| Net interest margin | 2.9054% | 5,738 |
| Noninterest income to average assets | 0.3820% | 4,333 |
| Noninterest expense to average assets | 1.9622% | 5,954 |
| Loan and lease loss provision to assets | 0.1454% | 1,679 |
| Net operating income to assets | 0.7394% | 3,488 |
| Return on assets (ROA) | 0.7503% | 3,497 |
| Pretax return on assets | 1.0063% | 3,300 |
| Return on Equity (ROE) | 7.8744% | 2,992 |
| Retained earnings to average equity (ytd only) | 3.8965% | 3,778 |
| Net charge-offs to loans | -0.0212% | 5,383 |
| Credit loss provision to net charge-offs | -1,363.6364% | 5,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3094% | 4,960 |
| Assets per employee ($millions) | 4.6823% | 2,681 |
| Cash dividends to net income (ytd only)* | 50.5168% | 1,672 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1874% | 1,185 |
| Loan loss allowance to noncurrent loans | 107.6813% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 1.0807% | 3,092 |
| Noncurrent loans to loans | 2.0314% | 1,833 |
| Net loans and leases to total assets | 48.9876% | 5,002 |
| Net loans and leases to deposits | 56.1070% | 5,109 |
| Net loans and leases to core deposits | 57.7403% | 5,222 |
| Total domestic deposits to total assets | 87.3111% | 2,629 |
| Equity capital to assets | 9.6470% | 4,297 |
| Core capital (leverage) ratio | 8.8594% | 5,191 |
| Tier 1 risk-based capital ratio | 16.4197% | 2,939 |
| Total risk-based capital ratio | 17.6793% | 2,900 |
| Memoranda: |
| Average total assets | $412,607,500 | 1,630 |
| Average earning assets | $385,902,500 | 1,598 |
| Average equity | $39,317,500 | 1,795 |
| Average total loans | $207,323,500 | 1,993 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4411% | 5,754 |
| Cost of funding earning assets | 0.6853% | 1,915 |
| Net interest margin | 2.7558% | 6,053 |
| Noninterest income to average assets | 0.4974% | 3,782 |
| Noninterest expense to average assets | 1.8591% | 6,244 |
| Loan and lease loss provision to assets | 0.1660% | 2,205 |
| Net operating income to assets | 0.7910% | 3,334 |
| Return on assets (ROA) | 0.7965% | 3,404 |
| Pretax return on assets | 1.0562% | 3,127 |
| Return on Equity (ROE) | 8.2495% | 2,903 |
| Retained earnings to average equity (ytd only) | 4.2088% | 3,178 |
| Net charge-offs to loans | 0.2901% | 2,238 |
| Credit loss provision to net charge-offs | 117.1875% | 2,054 |
| Earnings coverage of net charge-offs (x) | 8.5747% | 2,647 |
| Efficiency ratio | 60.4785% | 5,411 |
| Assets per employee ($millions) | 4.7491% | 2,513 |
| Cash dividends to net income (ytd only)* | 48.9809% | 2,321 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0900% | 1,352 |
| Loan loss allowance to noncurrent loans | 105.8866% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 1.0812% | 3,247 |
| Noncurrent loans to loans | 1.9738% | 2,021 |
| Net loans and leases to total assets | 49.3572% | 5,150 |
| Net loans and leases to deposits | 56.9423% | 5,214 |
| Net loans and leases to core deposits | 58.6006% | 5,339 |
| Total domestic deposits to total assets | 86.6793% | 2,884 |
| Equity capital to assets | 9.4114% | 4,537 |
| Core capital (leverage) ratio | 8.6510% | 5,476 |
| Tier 1 risk-based capital ratio | 15.9663% | 3,108 |
| Total risk-based capital ratio | 17.2246% | 3,064 |
| Memoranda: |
| Average total assets | $406,533,400 | 1,622 |
| Average earning assets | $380,108,600 | 1,597 |
| Average equity | $39,251,000 | 1,781 |
| Average total loans | $198,563,200 | 2,016 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4174% | 5,851 |
| Cost of funding earning assets | 0.7007% | 1,941 |
| Net interest margin | 2.7167% | 6,147 |
| Noninterest income to average assets | 0.5045% | 3,773 |
| Noninterest expense to average assets | 1.8415% | 6,279 |
| Loan and lease loss provision to assets | 0.1482% | 2,425 |
| Net operating income to assets | 0.7765% | 3,479 |
| Return on assets (ROA) | 0.7838% | 3,560 |
| Pretax return on assets | 1.0643% | 3,249 |
| Return on Equity (ROE) | 8.0657% | 3,087 |
| Retained earnings to average equity (ytd only) | 4.0871% | 3,782 |
| Net charge-offs to loans | 0.2216% | 2,482 |
| Credit loss provision to net charge-offs | 138.0368% | 1,695 |
| Earnings coverage of net charge-offs (x) | 11.2023% | 2,265 |
| Efficiency ratio | 60.4933% | 5,359 |
| Assets per employee ($millions) | 4.8133% | 2,420 |
| Cash dividends to net income (ytd only)* | 49.3277% | 1,900 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2124% | 1,308 |
| Loan loss allowance to noncurrent loans | 94.0898% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 1.2406% | 3,157 |
| Noncurrent loans to loans | 2.3514% | 1,869 |
| Net loans and leases to total assets | 47.8590% | 5,358 |
| Net loans and leases to deposits | 54.3188% | 5,508 |
| Net loans and leases to core deposits | 55.9880% | 5,623 |
| Total domestic deposits to total assets | 88.1077% | 2,053 |
| Equity capital to assets | 9.5353% | 4,509 |
| Core capital (leverage) ratio | 8.7489% | 5,477 |
| Tier 1 risk-based capital ratio | 16.4363% | 2,972 |
| Total risk-based capital ratio | 17.6958% | 2,930 |
| Memoranda: |
| Average total assets | $404,874,250 | 1,638 |
| Average earning assets | $378,489,250 | 1,605 |
| Average equity | $39,342,500 | 1,787 |
| Average total loans | $196,133,500 | 2,041 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3925% | 5,927 |
| Cost of funding earning assets | 0.7125% | 1,983 |
| Net interest margin | 2.6800% | 6,208 |
| Noninterest income to average assets | 0.5263% | 3,655 |
| Noninterest expense to average assets | 1.8397% | 6,308 |
| Loan and lease loss provision to assets | 0.1481% | 2,482 |
| Net operating income to assets | 0.7649% | 3,494 |
| Return on assets (ROA) | 0.7757% | 3,582 |
| Pretax return on assets | 1.0606% | 3,257 |
| Return on Equity (ROE) | 7.9332% | 3,133 |
| Retained earnings to average equity (ytd only) | 3.9792% | 3,759 |
| Net charge-offs to loans | 0.2158% | 2,468 |
| Credit loss provision to net charge-offs | 142.1801% | 1,601 |
| Earnings coverage of net charge-offs (x) | 11.4597% | 2,049 |
| Efficiency ratio | 60.6445% | 5,384 |
| Assets per employee ($millions) | 5.0015% | 2,115 |
| Cash dividends to net income (ytd only)* | 49.8409% | 1,889 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2203% | 1,384 |
| Loan loss allowance to noncurrent loans | 86.3076% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 1.3154% | 3,145 |
| Noncurrent loans to loans | 2.5726% | 1,786 |
| Net loans and leases to total assets | 46.6338% | 5,462 |
| Net loans and leases to deposits | 52.8035% | 5,618 |
| Net loans and leases to core deposits | 54.3589% | 5,727 |
| Total domestic deposits to total assets | 88.3158% | 2,031 |
| Equity capital to assets | 9.5714% | 4,491 |
| Core capital (leverage) ratio | 8.6205% | 5,530 |
| Tier 1 risk-based capital ratio | 16.4319% | 2,967 |
| Total risk-based capital ratio | 17.6914% | 2,922 |
| Memoranda: |
| Average total assets | $405,059,330 | 1,638 |
| Average earning assets | $378,952,330 | 1,602 |
| Average equity | $39,605,670 | 1,778 |
| Average total loans | $195,551,000 | 2,046 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4191% | 5,899 |
| Cost of funding earning assets | 0.7452% | 1,886 |
| Net interest margin | 2.6739% | 6,263 |
| Noninterest income to average assets | 0.5843% | 3,223 |
| Noninterest expense to average assets | 1.8821% | 6,303 |
| Loan and lease loss provision to assets | 0.1491% | 2,389 |
| Net operating income to assets | 0.7711% | 3,325 |
| Return on assets (ROA) | 0.7711% | 3,464 |
| Pretax return on assets | 1.0563% | 3,122 |
| Return on Equity (ROE) | 7.8027% | 3,075 |
| Retained earnings to average equity (ytd only) | 3.8712% | 3,917 |
| Net charge-offs to loans | 0.4337% | 1,367 |
| Credit loss provision to net charge-offs | 70.7547% | 2,280 |
| Earnings coverage of net charge-offs (x) | 5.7217% | 2,331 |
| Efficiency ratio | 60.9591% | 5,449 |
| Assets per employee ($millions) | 4.7885% | 2,505 |
| Cash dividends to net income (ytd only)* | 50.3866% | 1,562 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1892% | 1,602 |
| Loan loss allowance to noncurrent loans | 81.0989% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 1.3604% | 3,236 |
| Noncurrent loans to loans | 2.6995% | 1,896 |
| Net loans and leases to total assets | 46.0148% | 5,438 |
| Net loans and leases to deposits | 52.2972% | 5,588 |
| Net loans and leases to core deposits | 53.8091% | 5,683 |
| Total domestic deposits to total assets | 87.9871% | 2,318 |
| Equity capital to assets | 9.8277% | 4,385 |
| Core capital (leverage) ratio | 8.7053% | 5,320 |
| Tier 1 risk-based capital ratio | 16.9538% | 2,769 |
| Total risk-based capital ratio | 18.2138% | 2,741 |
| Memoranda: |
| Average total assets | $402,525,500 | 1,661 |
| Average earning assets | $376,822,000 | 1,621 |
| Average equity | $39,781,000 | 1,788 |
| Average total loans | $195,526,000 | 2,062 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7474% | 5,955 |
| Cost of funding earning assets | 0.9563% | 1,606 |
| Net interest margin | 2.7911% | 6,389 |
| Noninterest income to average assets | 0.5725% | 3,436 |
| Noninterest expense to average assets | 1.9069% | 6,484 |
| Loan and lease loss provision to assets | 0.2314% | 2,822 |
| Net operating income to assets | 0.7609% | 3,463 |
| Return on assets (ROA) | 0.7609% | 3,702 |
| Pretax return on assets | 1.0684% | 3,279 |
| Return on Equity (ROE) | 7.6261% | 3,271 |
| Retained earnings to average equity (ytd only) | 3.5915% | 3,683 |
| Net charge-offs to loans | 0.2468% | 3,461 |
| Credit loss provision to net charge-offs | 185.5670% | 1,413 |
| Earnings coverage of net charge-offs (x) | 10.4247% | 2,143 |
| Efficiency ratio | 59.4677% | 5,622 |
| Assets per employee ($millions) | 4.5751% | 2,827 |
| Cash dividends to net income (ytd only)* | 52.9054% | 2,174 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1316% | 1,685 |
| Loan loss allowance to noncurrent loans | 87.4229% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 1.3150% | 3,454 |
| Noncurrent loans to loans | 2.4382% | 2,175 |
| Net loans and leases to total assets | 49.0707% | 5,299 |
| Net loans and leases to deposits | 55.7958% | 5,467 |
| Net loans and leases to core deposits | 57.4379% | 5,594 |
| Total domestic deposits to total assets | 87.9469% | 2,274 |
| Equity capital to assets | 9.9392% | 4,254 |
| Core capital (leverage) ratio | 8.6957% | 5,334 |
| Tier 1 risk-based capital ratio | 16.2676% | 3,015 |
| Total risk-based capital ratio | 17.5270% | 2,965 |
| Memoranda: |
| Average total assets | $388,999,600 | 1,681 |
| Average earning assets | $367,134,400 | 1,629 |
| Average equity | $38,814,200 | 1,789 |
| Average total loans | $196,487,200 | 2,033 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7870% | 6,052 |
| Cost of funding earning assets | 0.9984% | 1,567 |
| Net interest margin | 2.7886% | 6,518 |
| Noninterest income to average assets | 0.5457% | 3,635 |
| Noninterest expense to average assets | 1.8999% | 6,523 |
| Loan and lease loss provision to assets | 0.2379% | 2,671 |
| Net operating income to assets | 0.7636% | 3,630 |
| Return on assets (ROA) | 0.7636% | 3,882 |
| Pretax return on assets | 1.0453% | 3,552 |
| Return on Equity (ROE) | 7.6455% | 3,450 |
| Retained earnings to average equity (ytd only) | 3.5932% | 4,349 |
| Net charge-offs to loans | 0.1172% | 4,207 |
| Credit loss provision to net charge-offs | 401.1628% | 670 |
| Earnings coverage of net charge-offs (x) | 21.6393% | 1,393 |
| Efficiency ratio | 59.6881% | 5,551 |
| Assets per employee ($millions) | 4.7144% | 2,580 |
| Cash dividends to net income (ytd only)* | 53.0021% | 1,566 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2141% | 1,684 |
| Loan loss allowance to noncurrent loans | 78.4338% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 1.4922% | 3,356 |
| Noncurrent loans to loans | 2.8229% | 1,994 |
| Net loans and leases to total assets | 49.1766% | 5,419 |
| Net loans and leases to deposits | 55.9621% | 5,640 |
| Net loans and leases to core deposits | 57.6373% | 5,755 |
| Total domestic deposits to total assets | 87.8748% | 2,117 |
| Equity capital to assets | 10.0820% | 4,384 |
| Core capital (leverage) ratio | 8.6959% | 5,482 |
| Tier 1 risk-based capital ratio | 16.8504% | 2,806 |
| Total risk-based capital ratio | 18.1116% | 2,759 |
| Memoranda: |
| Average total assets | $386,742,000 | 1,712 |
| Average earning assets | $365,766,250 | 1,653 |
| Average equity | $38,627,500 | 1,816 |
| Average total loans | $195,716,500 | 2,070 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8235% | 6,084 |
| Cost of funding earning assets | 1.0288% | 1,589 |
| Net interest margin | 2.7947% | 6,589 |
| Noninterest income to average assets | 0.5015% | 3,916 |
| Noninterest expense to average assets | 1.9235% | 6,561 |
| Loan and lease loss provision to assets | 0.2492% | 2,580 |
| Net operating income to assets | 0.7211% | 3,746 |
| Return on assets (ROA) | 0.7211% | 4,024 |
| Pretax return on assets | 0.9745% | 3,806 |
| Return on Equity (ROE) | 7.2432% | 3,650 |
| Retained earnings to average equity (ytd only) | 3.1601% | 4,516 |
| Net charge-offs to loans | 0.0430% | 4,773 |
| Credit loss provision to net charge-offs | 1,142.8571% | 289 |
| Earnings coverage of net charge-offs (x) | 56.1190% | 670 |
| Efficiency ratio | 61.1184% | 5,403 |
| Assets per employee ($millions) | 4.7897% | 2,453 |
| Cash dividends to net income (ytd only)* | 56.3715% | 1,502 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1731% | 1,838 |
| Loan loss allowance to noncurrent loans | 81.2809% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 1.3779% | 3,673 |
| Noncurrent loans to loans | 2.6736% | 2,250 |
| Net loans and leases to total assets | 49.0214% | 5,481 |
| Net loans and leases to deposits | 56.4526% | 5,601 |
| Net loans and leases to core deposits | 57.9989% | 5,774 |
| Total domestic deposits to total assets | 86.8365% | 2,872 |
| Equity capital to assets | 9.8918% | 4,499 |
| Core capital (leverage) ratio | 8.6114% | 5,499 |
| Tier 1 risk-based capital ratio | 16.7238% | 2,799 |
| Total risk-based capital ratio | 17.9846% | 2,745 |
| Memoranda: |
| Average total assets | $385,225,330 | 1,717 |
| Average earning assets | $364,696,670 | 1,658 |
| Average equity | $38,353,330 | 1,821 |
| Average total loans | $195,361,670 | 2,071 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8825% | 6,059 |
| Cost of funding earning assets | 1.0708% | 1,548 |
| Net interest margin | 2.8117% | 6,620 |
| Noninterest income to average assets | 0.4897% | 3,979 |
| Noninterest expense to average assets | 1.9116% | 6,623 |
| Loan and lease loss provision to assets | 0.2674% | 2,320 |
| Net operating income to assets | 0.7204% | 3,780 |
| Return on assets (ROA) | 0.7204% | 4,000 |
| Pretax return on assets | 0.9731% | 3,782 |
| Return on Equity (ROE) | 7.2117% | 3,651 |
| Retained earnings to average equity (ytd only) | 3.1072% | 4,701 |
| Net charge-offs to loans | 0.0103% | 4,578 |
| Credit loss provision to net charge-offs | 5,100.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 236.6000% | 150 |
| Efficiency ratio | 60.6454% | 5,518 |
| Assets per employee ($millions) | 4.7837% | 2,533 |
| Cash dividends to net income (ytd only)* | 56.9141% | 1,270 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1068% | 2,087 |
| Loan loss allowance to noncurrent loans | 109.7129% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 1.0135% | 4,462 |
| Noncurrent loans to loans | 1.9203% | 3,261 |
| Net loans and leases to total assets | 49.0348% | 5,427 |
| Net loans and leases to deposits | 56.4819% | 5,551 |
| Net loans and leases to core deposits | 57.8839% | 5,721 |
| Total domestic deposits to total assets | 86.8151% | 3,059 |
| Equity capital to assets | 9.8810% | 4,282 |
| Core capital (leverage) ratio | 8.7875% | 5,146 |
| Tier 1 risk-based capital ratio | 16.9298% | 2,705 |
| Total risk-based capital ratio | 18.1874% | 2,662 |
| Memoranda: |
| Average total assets | $381,458,500 | 1,738 |
| Average earning assets | $361,208,500 | 1,680 |
| Average equity | $38,104,500 | 1,828 |
| Average total loans | $194,636,000 | 2,083 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2675% | 5,862 |
| Cost of funding earning assets | 1.1933% | 2,076 |
| Net interest margin | 3.0741% | 6,396 |
| Noninterest income to average assets | 0.4437% | 4,274 |
| Noninterest expense to average assets | 1.9818% | 6,704 |
| Loan and lease loss provision to assets | 0.3356% | 3,012 |
| Net operating income to assets | 0.7704% | 3,174 |
| Return on assets (ROA) | 0.7704% | 3,332 |
| Pretax return on assets | 1.0605% | 2,997 |
| Return on Equity (ROE) | 7.5627% | 3,117 |
| Retained earnings to average equity (ytd only) | 3.2995% | 3,875 |
| Net charge-offs to loans | 0.4300% | 3,284 |
| Credit loss provision to net charge-offs | 147.2019% | 1,938 |
| Earnings coverage of net charge-offs (x) | 6.1241% | 2,588 |
| Efficiency ratio | 58.6700% | 5,952 |
| Assets per employee ($millions) | 4.7524% | 2,513 |
| Cash dividends to net income (ytd only)* | 56.3715% | 1,734 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9669% | 2,383 |
| Loan loss allowance to noncurrent loans | 65.5343% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 1.6003% | 3,551 |
| Noncurrent loans to loans | 3.0013% | 2,163 |
| Net loans and leases to total assets | 50.9657% | 5,469 |
| Net loans and leases to deposits | 58.9050% | 5,606 |
| Net loans and leases to core deposits | 60.2691% | 5,826 |
| Total domestic deposits to total assets | 86.5218% | 3,020 |
| Equity capital to assets | 10.1008% | 4,035 |
| Core capital (leverage) ratio | 8.8125% | 5,078 |
| Tier 1 risk-based capital ratio | 16.9259% | 2,636 |
| Total risk-based capital ratio | 18.1846% | 2,593 |
| Memoranda: |
| Average total assets | $360,582,800 | 1,801 |
| Average earning assets | $344,161,200 | 1,732 |
| Average equity | $36,733,000 | 1,835 |
| Average total loans | $191,169,400 | 2,119 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3385% | 5,820 |
| Cost of funding earning assets | 1.2134% | 2,238 |
| Net interest margin | 3.1251% | 6,349 |
| Noninterest income to average assets | 0.3990% | 4,676 |
| Noninterest expense to average assets | 2.0123% | 6,667 |
| Loan and lease loss provision to assets | 0.2914% | 3,181 |
| Net operating income to assets | 0.7793% | 3,254 |
| Return on assets (ROA) | 0.7793% | 3,423 |
| Pretax return on assets | 1.0820% | 3,086 |
| Return on Equity (ROE) | 7.6333% | 3,207 |
| Retained earnings to average equity (ytd only) | 3.3373% | 4,350 |
| Net charge-offs to loans | 0.3148% | 3,526 |
| Credit loss provision to net charge-offs | 173.7194% | 1,719 |
| Earnings coverage of net charge-offs (x) | 8.1871% | 2,220 |
| Efficiency ratio | 59.4350% | 5,804 |
| Assets per employee ($millions) | 4.4683% | 2,973 |
| Cash dividends to net income (ytd only)* | 56.2799% | 1,346 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9853% | 2,369 |
| Loan loss allowance to noncurrent loans | 61.6865% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 1.7143% | 3,524 |
| Noncurrent loans to loans | 3.2184% | 2,159 |
| Net loans and leases to total assets | 50.9596% | 5,586 |
| Net loans and leases to deposits | 59.0467% | 5,742 |
| Net loans and leases to core deposits | 60.4612% | 5,950 |
| Total domestic deposits to total assets | 86.3040% | 3,036 |
| Equity capital to assets | 10.3104% | 3,939 |
| Core capital (leverage) ratio | 8.9577% | 4,998 |
| Tier 1 risk-based capital ratio | 17.6791% | 2,370 |
| Total risk-based capital ratio | 18.9392% | 2,334 |
| Memoranda: |
| Average total assets | $356,869,250 | 1,823 |
| Average earning assets | $341,058,750 | 1,750 |
| Average equity | $36,435,750 | 1,847 |
| Average total loans | $190,166,000 | 2,150 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3717% | 5,785 |
| Cost of funding earning assets | 1.2318% | 2,370 |
| Net interest margin | 3.1399% | 6,303 |
| Noninterest income to average assets | 0.3659% | 4,949 |
| Noninterest expense to average assets | 2.0102% | 6,768 |
| Loan and lease loss provision to assets | 0.2884% | 3,081 |
| Net operating income to assets | 0.7702% | 3,199 |
| Return on assets (ROA) | 0.7702% | 3,334 |
| Pretax return on assets | 1.0653% | 2,986 |
| Return on Equity (ROE) | 7.5690% | 3,160 |
| Retained earnings to average equity (ytd only) | 3.2177% | 4,219 |
| Net charge-offs to loans | 0.3146% | 3,298 |
| Credit loss provision to net charge-offs | 170.5686% | 1,772 |
| Earnings coverage of net charge-offs (x) | 8.0067% | 2,138 |
| Efficiency ratio | 59.7579% | 5,912 |
| Assets per employee ($millions) | 4.4350% | 2,949 |
| Cash dividends to net income (ytd only)* | 57.4890% | 1,432 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9233% | 2,595 |
| Loan loss allowance to noncurrent loans | 63.3783% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 1.7414% | 3,590 |
| Noncurrent loans to loans | 3.0346% | 2,387 |
| Net loans and leases to total assets | 51.3489% | 5,649 |
| Net loans and leases to deposits | 59.2798% | 5,797 |
| Net loans and leases to core deposits | 60.8510% | 6,017 |
| Total domestic deposits to total assets | 86.6212% | 2,976 |
| Equity capital to assets | 10.1572% | 3,935 |
| Core capital (leverage) ratio | 8.8480% | 4,966 |
| Tier 1 risk-based capital ratio | 17.4640% | 2,351 |
| Total risk-based capital ratio | 18.7232% | 2,320 |
| Memoranda: |
| Average total assets | $353,693,000 | 1,855 |
| Average earning assets | $337,714,670 | 1,775 |
| Average equity | $35,988,670 | 1,861 |
| Average total loans | $190,055,670 | 2,173 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4054% | 5,675 |
| Cost of funding earning assets | 1.2516% | 2,494 |
| Net interest margin | 3.1538% | 6,211 |
| Noninterest income to average assets | 0.3579% | 5,037 |
| Noninterest expense to average assets | 2.0659% | 6,699 |
| Loan and lease loss provision to assets | 0.2925% | 2,818 |
| Net operating income to assets | 0.7364% | 3,339 |
| Return on assets (ROA) | 0.7364% | 3,408 |
| Pretax return on assets | 1.0083% | 3,110 |
| Return on Equity (ROE) | 7.2311% | 3,280 |
| Retained earnings to average equity (ytd only) | 2.8271% | 4,472 |
| Net charge-offs to loans | 0.2275% | 3,175 |
| Credit loss provision to net charge-offs | 236.1111% | 1,306 |
| Earnings coverage of net charge-offs (x) | 10.5000% | 1,629 |
| Efficiency ratio | 61.3629% | 5,788 |
| Assets per employee ($millions) | 4.4909% | 2,908 |
| Cash dividends to net income (ytd only)* | 60.9034% | 1,224 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9103% | 2,658 |
| Loan loss allowance to noncurrent loans | 60.1974% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 1.8101% | 3,555 |
| Noncurrent loans to loans | 3.1734% | 2,371 |
| Net loans and leases to total assets | 52.0744% | 5,574 |
| Net loans and leases to deposits | 60.2593% | 5,701 |
| Net loans and leases to core deposits | 62.0103% | 5,922 |
| Total domestic deposits to total assets | 86.4172% | 3,280 |
| Equity capital to assets | 10.0570% | 3,702 |
| Core capital (leverage) ratio | 9.2572% | 4,192 |
| Tier 1 risk-based capital ratio | 17.4469% | 2,315 |
| Total risk-based capital ratio | 18.7059% | 2,279 |
| Memoranda: |
| Average total assets | $348,703,000 | 1,890 |
| Average earning assets | $332,681,500 | 1,804 |
| Average equity | $35,513,500 | 1,874 |
| Average total loans | $189,881,500 | 2,202 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6252% | 6,038 |
| Cost of funding earning assets | 1.4647% | 2,862 |
| Net interest margin | 3.1606% | 6,364 |
| Noninterest income to average assets | 0.5505% | 3,823 |
| Noninterest expense to average assets | 2.1711% | 6,695 |
| Loan and lease loss provision to assets | 0.5243% | 3,052 |
| Net operating income to assets | 0.6593% | 3,393 |
| Return on assets (ROA) | 0.6765% | 3,456 |
| Pretax return on assets | 0.8841% | 3,358 |
| Return on Equity (ROE) | 6.3374% | 3,429 |
| Retained earnings to average equity (ytd only) | 1.9077% | 4,527 |
| Net charge-offs to loans | 0.3070% | 4,481 |
| Credit loss provision to net charge-offs | 302.7923% | 883 |
| Earnings coverage of net charge-offs (x) | 8.0052% | 2,031 |
| Efficiency ratio | 61.0347% | 5,889 |
| Assets per employee ($millions) | 4.1784% | 3,429 |
| Cash dividends to net income (ytd only)* | 69.8973% | 1,217 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8029% | 2,855 |
| Loan loss allowance to noncurrent loans | 59.5822% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 1.8924% | 3,495 |
| Noncurrent loans to loans | 3.0259% | 2,524 |
| Net loans and leases to total assets | 54.8599% | 5,513 |
| Net loans and leases to deposits | 64.1241% | 5,617 |
| Net loans and leases to core deposits | 65.9438% | 5,878 |
| Total domestic deposits to total assets | 85.5528% | 3,576 |
| Equity capital to assets | 10.3165% | 3,372 |
| Core capital (leverage) ratio | 9.1893% | 4,191 |
| Tier 1 risk-based capital ratio | 17.0534% | 2,330 |
| Total risk-based capital ratio | 18.3109% | 2,290 |
| Memoranda: |
| Average total assets | $330,945,800 | 1,961 |
| Average earning assets | $314,817,200 | 1,882 |
| Average equity | $35,330,200 | 1,876 |
| Average total loans | $186,671,800 | 2,281 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6513% | 6,187 |
| Cost of funding earning assets | 1.5093% | 2,918 |
| Net interest margin | 3.1421% | 6,501 |
| Noninterest income to average assets | 0.5247% | 3,989 |
| Noninterest expense to average assets | 2.1701% | 6,685 |
| Loan and lease loss provision to assets | 0.5284% | 2,819 |
| Net operating income to assets | 0.6091% | 3,844 |
| Return on assets (ROA) | 0.6316% | 3,913 |
| Pretax return on assets | 0.8442% | 3,758 |
| Return on Equity (ROE) | 5.8652% | 3,877 |
| Retained earnings to average equity (ytd only) | 1.4342% | 5,226 |
| Net charge-offs to loans | 0.2200% | 4,625 |
| Credit loss provision to net charge-offs | 424.8366% | 714 |
| Earnings coverage of net charge-offs (x) | 10.7941% | 1,852 |
| Efficiency ratio | 61.7797% | 5,654 |
| Assets per employee ($millions) | 4.2054% | 3,440 |
| Cash dividends to net income (ytd only)* | 75.5467% | 761 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7359% | 3,034 |
| Loan loss allowance to noncurrent loans | 43.6743% | 5,360 |
| Noncurrent assets plus other real estate owned to assets | 2.3666% | 3,011 |
| Noncurrent loans to loans | 3.9747% | 1,892 |
| Net loans and leases to total assets | 55.2377% | 5,664 |
| Net loans and leases to deposits | 64.5671% | 5,840 |
| Net loans and leases to core deposits | 66.3031% | 6,098 |
| Total domestic deposits to total assets | 85.5508% | 3,319 |
| Equity capital to assets | 10.7533% | 3,224 |
| Core capital (leverage) ratio | 9.2922% | 4,225 |
| Tier 1 risk-based capital ratio | 17.1510% | 2,291 |
| Total risk-based capital ratio | 18.4076% | 2,250 |
| Memoranda: |
| Average total assets | $328,025,500 | 2,010 |
| Average earning assets | $311,932,250 | 1,937 |
| Average equity | $35,326,000 | 1,894 |
| Average total loans | $185,485,750 | 2,324 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6591% | 6,280 |
| Cost of funding earning assets | 1.5513% | 2,951 |
| Net interest margin | 3.1078% | 6,591 |
| Noninterest income to average assets | 0.4748% | 4,321 |
| Noninterest expense to average assets | 2.1634% | 6,737 |
| Loan and lease loss provision to assets | 0.6150% | 2,329 |
| Net operating income to assets | 0.5094% | 4,280 |
| Return on assets (ROA) | 0.5449% | 4,262 |
| Pretax return on assets | 0.6974% | 4,250 |
| Return on Equity (ROE) | 5.0568% | 4,263 |
| Retained earnings to average equity (ytd only) | 0.5879% | 5,524 |
| Net charge-offs to loans | 0.1237% | 4,949 |
| Credit loss provision to net charge-offs | 877.1930% | 430 |
| Earnings coverage of net charge-offs (x) | 18.0702% | 1,305 |
| Efficiency ratio | 63.0692% | 5,505 |
| Assets per employee ($millions) | 3.9918% | 3,786 |
| Cash dividends to net income (ytd only)* | 88.3747% | 598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7102% | 3,032 |
| Loan loss allowance to noncurrent loans | 44.1524% | 5,365 |
| Noncurrent assets plus other real estate owned to assets | 2.1879% | 3,273 |
| Noncurrent loans to loans | 3.8735% | 1,976 |
| Net loans and leases to total assets | 55.0739% | 5,832 |
| Net loans and leases to deposits | 64.2266% | 6,014 |
| Net loans and leases to core deposits | 66.3336% | 6,216 |
| Total domestic deposits to total assets | 85.7494% | 3,236 |
| Equity capital to assets | 10.6266% | 3,249 |
| Core capital (leverage) ratio | 9.3633% | 4,021 |
| Tier 1 risk-based capital ratio | 17.3099% | 2,162 |
| Total risk-based capital ratio | 18.5664% | 2,126 |
| Memoranda: |
| Average total assets | $325,222,330 | 2,041 |
| Average earning assets | $309,285,330 | 1,968 |
| Average equity | $35,042,000 | 1,907 |
| Average total loans | $184,273,670 | 2,375 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6099% | 6,534 |
| Cost of funding earning assets | 1.5710% | 3,132 |
| Net interest margin | 3.0389% | 6,743 |
| Noninterest income to average assets | 0.4370% | 4,581 |
| Noninterest expense to average assets | 2.1479% | 6,812 |
| Loan and lease loss provision to assets | 0.6208% | 2,044 |
| Net operating income to assets | 0.4508% | 4,613 |
| Return on assets (ROA) | 0.5252% | 4,400 |
| Pretax return on assets | 0.6493% | 4,419 |
| Return on Equity (ROE) | 4.8400% | 4,454 |
| Retained earnings to average equity (ytd only) | 0.3661% | 5,689 |
| Net charge-offs to loans | 0.1939% | 3,752 |
| Credit loss provision to net charge-offs | 561.7978% | 770 |
| Earnings coverage of net charge-offs (x) | 10.6629% | 1,722 |
| Efficiency ratio | 64.5763% | 5,376 |
| Assets per employee ($millions) | 3.8578% | 4,183 |
| Cash dividends to net income (ytd only)* | 92.4350% | 669 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4701% | 4,069 |
| Loan loss allowance to noncurrent loans | 34.0737% | 6,120 |
| Noncurrent assets plus other real estate owned to assets | 2.5172% | 2,890 |
| Noncurrent loans to loans | 4.3144% | 1,758 |
| Net loans and leases to total assets | 55.8442% | 5,767 |
| Net loans and leases to deposits | 66.2848% | 5,793 |
| Net loans and leases to core deposits | 68.2324% | 6,074 |
| Total domestic deposits to total assets | 84.2490% | 4,017 |
| Equity capital to assets | 10.8028% | 2,952 |
| Core capital (leverage) ratio | 9.7837% | 3,415 |
| Tier 1 risk-based capital ratio | 17.3049% | 2,148 |
| Total risk-based capital ratio | 18.5583% | 2,106 |
| Memoranda: |
| Average total assets | $322,173,500 | 2,110 |
| Average earning assets | $306,295,000 | 2,040 |
| Average equity | $34,959,000 | 1,924 |
| Average total loans | $183,587,500 | 2,445 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1709% | 5,781 |
| Cost of funding earning assets | 1.8670% | 3,634 |
| Net interest margin | 3.3039% | 5,722 |
| Noninterest income to average assets | 0.6444% | 3,327 |
| Noninterest expense to average assets | 2.4029% | 6,459 |
| Loan and lease loss provision to assets | 0.5112% | 3,819 |
| Net operating income to assets | 0.6660% | 3,079 |
| Return on assets (ROA) | 0.6652% | 3,132 |
| Pretax return on assets | 0.8680% | 3,023 |
| Return on Equity (ROE) | 5.7178% | 3,323 |
| Retained earnings to average equity (ytd only) | 0.6013% | 4,566 |
| Net charge-offs to loans | 0.5288% | 3,669 |
| Credit loss provision to net charge-offs | 159.3291% | 2,810 |
| Earnings coverage of net charge-offs (x) | 4.3019% | 2,993 |
| Efficiency ratio | 63.5168% | 5,863 |
| Assets per employee ($millions) | 3.8130% | 4,258 |
| Cash dividends to net income (ytd only)* | 89.4843% | 875 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2474% | 5,075 |
| Loan loss allowance to noncurrent loans | 26.3285% | 6,716 |
| Noncurrent assets plus other real estate owned to assets | 2.7900% | 2,504 |
| Noncurrent loans to loans | 4.7376% | 1,467 |
| Net loans and leases to total assets | 56.5796% | 5,887 |
| Net loans and leases to deposits | 67.2847% | 5,911 |
| Net loans and leases to core deposits | 80.3309% | 6,057 |
| Total domestic deposits to total assets | 84.0898% | 3,990 |
| Equity capital to assets | 10.8997% | 2,776 |
| Core capital (leverage) ratio | 10.0378% | 3,049 |
| Tier 1 risk-based capital ratio | 17.6589% | 1,984 |
| Total risk-based capital ratio | 18.9097% | 1,944 |
| Memoranda: |
| Average total assets | $297,352,400 | 2,230 |
| Average earning assets | $282,484,200 | 2,172 |
| Average equity | $34,593,800 | 1,944 |
| Average total loans | $180,402,600 | 2,508 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2852% | 5,506 |
| Cost of funding earning assets | 1.9284% | 3,733 |
| Net interest margin | 3.3568% | 5,423 |
| Noninterest income to average assets | 0.6876% | 3,109 |
| Noninterest expense to average assets | 2.4415% | 6,274 |
| Loan and lease loss provision to assets | 0.4229% | 3,786 |
| Net operating income to assets | 0.7724% | 2,927 |
| Return on assets (ROA) | 0.7713% | 2,988 |
| Pretax return on assets | 1.0118% | 2,868 |
| Return on Equity (ROE) | 6.5169% | 3,289 |
| Retained earnings to average equity (ytd only) | 1.5800% | 4,429 |
| Net charge-offs to loans | 0.5352% | 3,078 |
| Credit loss provision to net charge-offs | 128.2940% | 3,913 |
| Earnings coverage of net charge-offs (x) | 4.3565% | 3,166 |
| Efficiency ratio | 62.9643% | 5,933 |
| Assets per employee ($millions) | 3.6421% | 4,565 |
| Cash dividends to net income (ytd only)* | 75.7558% | 1,085 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0617% | 5,954 |
| Loan loss allowance to noncurrent loans | 29.0736% | 6,531 |
| Noncurrent assets plus other real estate owned to assets | 2.3579% | 2,922 |
| Noncurrent loans to loans | 3.6517% | 2,048 |
| Net loans and leases to total assets | 60.1290% | 5,560 |
| Net loans and leases to deposits | 72.7983% | 5,537 |
| Net loans and leases to core deposits | 87.7007% | 5,673 |
| Total domestic deposits to total assets | 82.5967% | 4,400 |
| Equity capital to assets | 11.7833% | 2,370 |
| Core capital (leverage) ratio | 10.4114% | 2,865 |
| Tier 1 risk-based capital ratio | 17.8892% | 2,020 |
| Total risk-based capital ratio | 18.9919% | 2,009 |
| Memoranda: |
| Average total assets | $291,617,500 | 2,293 |
| Average earning assets | $277,119,250 | 2,215 |
| Average equity | $34,514,500 | 1,970 |
| Average total loans | $179,626,000 | 2,547 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3534% | 5,383 |
| Cost of funding earning assets | 1.9562% | 3,973 |
| Net interest margin | 3.3973% | 5,183 |
| Noninterest income to average assets | 0.7543% | 2,678 |
| Noninterest expense to average assets | 2.2601% | 6,885 |
| Loan and lease loss provision to assets | 0.3803% | 3,651 |
| Net operating income to assets | 0.9645% | 2,226 |
| Return on assets (ROA) | 0.9645% | 2,331 |
| Pretax return on assets | 1.3427% | 1,899 |
| Return on Equity (ROE) | 8.1367% | 2,714 |
| Retained earnings to average equity (ytd only) | 2.9689% | 3,668 |
| Net charge-offs to loans | 0.5274% | 2,747 |
| Credit loss provision to net charge-offs | 116.5254% | 3,979 |
| Earnings coverage of net charge-offs (x) | 5.2797% | 2,867 |
| Efficiency ratio | 56.7436% | 7,022 |
| Assets per employee ($millions) | 3.4578% | 4,930 |
| Cash dividends to net income (ytd only)* | 63.5125% | 1,557 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9950% | 6,288 |
| Loan loss allowance to noncurrent loans | 26.8565% | 6,707 |
| Noncurrent assets plus other real estate owned to assets | 2.3885% | 2,718 |
| Noncurrent loans to loans | 3.7048% | 1,877 |
| Net loans and leases to total assets | 60.9721% | 5,523 |
| Net loans and leases to deposits | 73.8192% | 5,478 |
| Net loans and leases to core deposits | 87.9706% | 5,724 |
| Total domestic deposits to total assets | 82.5966% | 4,427 |
| Equity capital to assets | 11.7307% | 2,367 |
| Core capital (leverage) ratio | 10.8804% | 2,504 |
| Tier 1 risk-based capital ratio | 18.3742% | 1,904 |
| Total risk-based capital ratio | 19.4292% | 1,911 |
| Memoranda: |
| Average total assets | $289,273,000 | 2,324 |
| Average earning assets | $274,927,330 | 2,250 |
| Average equity | $34,289,000 | 1,972 |
| Average total loans | $179,000,330 | 2,588 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4630% | 5,105 |
| Cost of funding earning assets | 1.9931% | 4,167 |
| Net interest margin | 3.4699% | 4,852 |
| Noninterest income to average assets | 0.8169% | 2,249 |
| Noninterest expense to average assets | 2.2582% | 6,664 |
| Loan and lease loss provision to assets | 0.2788% | 3,726 |
| Net operating income to assets | 1.0956% | 1,977 |
| Return on assets (ROA) | 1.0956% | 2,103 |
| Pretax return on assets | 1.5780% | 1,464 |
| Return on Equity (ROE) | 9.1945% | 2,638 |
| Retained earnings to average equity (ytd only) | 4.5972% | 3,368 |
| Net charge-offs to loans | 0.1483% | 3,775 |
| Credit loss provision to net charge-offs | 303.0303% | 1,597 |
| Earnings coverage of net charge-offs (x) | 20.1818% | 1,387 |
| Efficiency ratio | 54.8780% | 7,117 |
| Assets per employee ($millions) | 3.5864% | 4,601 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,758 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0522% | 5,803 |
| Loan loss allowance to noncurrent loans | 53.5931% | 4,981 |
| Noncurrent assets plus other real estate owned to assets | 1.3053% | 4,063 |
| Noncurrent loans to loans | 1.9633% | 3,315 |
| Net loans and leases to total assets | 60.8677% | 5,515 |
| Net loans and leases to deposits | 74.6680% | 5,402 |
| Net loans and leases to core deposits | 88.3114% | 5,706 |
| Total domestic deposits to total assets | 81.5178% | 4,741 |
| Equity capital to assets | 12.0010% | 2,261 |
| Core capital (leverage) ratio | 11.1009% | 2,429 |
| Tier 1 risk-based capital ratio | 18.6807% | 1,889 |
| Total risk-based capital ratio | 19.7905% | 1,880 |
| Memoranda: |
| Average total assets | $286,953,000 | 2,351 |
| Average earning assets | $272,744,000 | 2,275 |
| Average equity | $34,194,500 | 1,988 |
| Average total loans | $177,997,500 | 2,619 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9933% | 5,573 |
| Cost of funding earning assets | 2.4474% | 4,487 |
| Net interest margin | 3.5459% | 5,117 |
| Noninterest income to average assets | 0.4722% | 4,860 |
| Noninterest expense to average assets | 2.2595% | 6,812 |
| Loan and lease loss provision to assets | 0.1539% | 5,395 |
| Net operating income to assets | 1.0320% | 2,424 |
| Return on assets (ROA) | 1.0386% | 2,292 |
| Pretax return on assets | 1.3678% | 2,062 |
| Return on Equity (ROE) | 8.7469% | 2,732 |
| Retained earnings to average equity (ytd only) | 3.9312% | 2,677 |
| Net charge-offs to loans | 0.3421% | 3,122 |
| Credit loss provision to net charge-offs | 70.3642% | 6,067 |
| Earnings coverage of net charge-offs (x) | 6.9172% | 3,240 |
| Efficiency ratio | 59.8925% | 6,363 |
| Assets per employee ($millions) | 3.6329% | 4,333 |
| Cash dividends to net income (ytd only)* | 55.0558% | 2,884 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9599% | 6,348 |
| Loan loss allowance to noncurrent loans | 45.2825% | 5,745 |
| Noncurrent assets plus other real estate owned to assets | 1.3941% | 3,406 |
| Noncurrent loans to loans | 2.1197% | 2,604 |
| Net loans and leases to total assets | 61.9449% | 5,631 |
| Net loans and leases to deposits | 76.2703% | 5,557 |
| Net loans and leases to core deposits | 88.3317% | 5,944 |
| Total domestic deposits to total assets | 81.2176% | 4,550 |
| Equity capital to assets | 11.8318% | 2,400 |
| Core capital (leverage) ratio | 11.0904% | 2,519 |
| Tier 1 risk-based capital ratio | 18.4828% | 1,923 |
| Total risk-based capital ratio | 19.5142% | 1,920 |
| Memoranda: |
| Average total assets | $276,127,800 | 2,341 |
| Average earning assets | $257,002,200 | 2,310 |
| Average equity | $32,788,600 | 2,067 |
| Average total loans | $176,562,000 | 2,541 |
