| 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 | 3.7767% | 4,488 |
| Cost of funding earning assets | 0.4960% | 3,221 |
| Net interest margin | 3.2807% | 4,337 |
| Noninterest income to average assets | 1.1213% | 744 |
| Noninterest expense to average assets | 3.2100% | 1,499 |
| Loan and lease loss provision to assets | 0.1610% | 1,197 |
| Net operating income to assets | 0.7937% | 3,927 |
| Return on assets (ROA) | 0.7937% | 3,937 |
| Pretax return on assets | 0.8550% | 4,154 |
| Return on Equity (ROE) | 6.7323% | 4,025 |
| Retained earnings to average equity (ytd only) | 3.5416% | 3,997 |
| Net charge-offs to loans | 0.0813% | 1,707 |
| Credit loss provision to net charge-offs | 283.4437% | 1,070 |
| Earnings coverage of net charge-offs (x) | 17.8872% | 2,089 |
| Efficiency ratio | 75.9591% | 1,354 |
| Assets per employee ($millions) | 8.9558% | 456 |
| Cash dividends to net income (ytd only)* | 47.3934% | 1,696 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1005% | 3,186 |
| Loan loss allowance to noncurrent loans | 197.4436% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.4279% | 2,979 |
| Noncurrent loans to loans | 0.5574% | 2,710 |
| Net loans and leases to total assets | 65.8795% | 3,195 |
| Net loans and leases to deposits | 79.7188% | 3,071 |
| Net loans and leases to core deposits | 81.3085% | 3,380 |
| Total domestic deposits to total assets | 82.6398% | 3,422 |
| Equity capital to assets | 11.6862% | 2,115 |
| Core capital (leverage) ratio | 11.3470% | 2,290 |
| Tier 1 risk-based capital ratio | 18.4668% | 1,680 |
| Total risk-based capital ratio | 19.6766% | 1,642 |
| Memoranda: |
| Average total assets | $354,470,000 | 1,910 |
| Average earning assets | $335,451,000 | 1,879 |
| Average equity | $41,787,500 | 1,798 |
| Average total loans | $247,750,000 | 1,843 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7580% | 4,451 |
| Cost of funding earning assets | 0.4452% | 3,386 |
| Net interest margin | 3.3128% | 4,213 |
| Noninterest income to average assets | 1.1285% | 752 |
| Noninterest expense to average assets | 3.2286% | 1,473 |
| Loan and lease loss provision to assets | 0.1042% | 1,868 |
| Net operating income to assets | 0.8210% | 3,785 |
| Return on assets (ROA) | 0.8210% | 3,791 |
| Pretax return on assets | 0.9348% | 3,862 |
| Return on Equity (ROE) | 6.9441% | 3,923 |
| Retained earnings to average equity (ytd only) | 4.5496% | 3,321 |
| Net charge-offs to loans | 0.0152% | 2,639 |
| Credit loss provision to net charge-offs | 968.4211% | 421 |
| Earnings coverage of net charge-offs (x) | 96.5789% | 713 |
| Efficiency ratio | 75.6534% | 1,474 |
| Assets per employee ($millions) | 8.6388% | 499 |
| Cash dividends to net income (ytd only)* | 34.4828% | 2,384 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0404% | 3,593 |
| Loan loss allowance to noncurrent loans | 143.9611% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 0.4986% | 2,765 |
| Noncurrent loans to loans | 0.7227% | 2,304 |
| Net loans and leases to total assets | 67.5400% | 2,940 |
| Net loans and leases to deposits | 82.4124% | 2,726 |
| Net loans and leases to core deposits | 84.3607% | 3,052 |
| Total domestic deposits to total assets | 81.9538% | 3,737 |
| Equity capital to assets | 11.8688% | 1,945 |
| Core capital (leverage) ratio | 11.4576% | 2,104 |
| Tier 1 risk-based capital ratio | 18.3095% | 1,723 |
| Total risk-based capital ratio | 19.4605% | 1,702 |
| Memoranda: |
| Average total assets | $353,215,670 | 1,923 |
| Average earning assets | $334,701,330 | 1,888 |
| Average equity | $41,762,000 | 1,800 |
| Average total loans | $250,790,670 | 1,832 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6766% | 4,517 |
| Cost of funding earning assets | 0.4242% | 3,410 |
| Net interest margin | 3.2525% | 4,305 |
| Noninterest income to average assets | 1.0909% | 777 |
| Noninterest expense to average assets | 3.3374% | 1,276 |
| Loan and lease loss provision to assets | 0.5670% | 182 |
| Net operating income to assets | 0.2982% | 5,098 |
| Return on assets (ROA) | 0.2982% | 5,099 |
| Pretax return on assets | 0.2733% | 5,187 |
| Return on Equity (ROE) | 2.5274% | 5,102 |
| Retained earnings to average equity (ytd only) | -2.2775% | 5,033 |
| Net charge-offs to loans | 0.0360% | 1,803 |
| Credit loss provision to net charge-offs | 2,173.9130% | 173 |
| Earnings coverage of net charge-offs (x) | 32.2174% | 1,198 |
| Efficiency ratio | 79.8860% | 1,151 |
| Assets per employee ($millions) | 9.0217% | 435 |
| Cash dividends to net income (ytd only)* | 190.1141% | 207 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1187% | 3,273 |
| Loan loss allowance to noncurrent loans | 142.2961% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 0.5713% | 2,612 |
| Noncurrent loans to loans | 0.7862% | 2,246 |
| Net loans and leases to total assets | 70.9938% | 2,326 |
| Net loans and leases to deposits | 86.1742% | 2,146 |
| Net loans and leases to core deposits | 88.3586% | 2,599 |
| Total domestic deposits to total assets | 82.3840% | 3,847 |
| Equity capital to assets | 11.6887% | 2,000 |
| Core capital (leverage) ratio | 11.2120% | 2,238 |
| Tier 1 risk-based capital ratio | 17.0408% | 2,105 |
| Total risk-based capital ratio | 18.2823% | 2,059 |
| Memoranda: |
| Average total assets | $352,728,500 | 1,934 |
| Average earning assets | $334,761,500 | 1,902 |
| Average equity | $41,624,000 | 1,812 |
| Average total loans | $255,318,500 | 1,826 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6696% | 4,410 |
| Cost of funding earning assets | 0.3974% | 3,282 |
| Net interest margin | 3.2722% | 4,241 |
| Noninterest income to average assets | 1.1805% | 743 |
| Noninterest expense to average assets | 3.2520% | 1,495 |
| Loan and lease loss provision to assets | -0.1664% | 5,553 |
| Net operating income to assets | 0.9353% | 2,517 |
| Return on assets (ROA) | 0.9205% | 2,622 |
| Pretax return on assets | 1.1711% | 2,888 |
| Return on Equity (ROE) | 7.8313% | 2,874 |
| Retained earnings to average equity (ytd only) | 5.4157% | 1,861 |
| Net charge-offs to loans | 0.0399% | 2,999 |
| Credit loss provision to net charge-offs | -552.8302% | 4,963 |
| Earnings coverage of net charge-offs (x) | 34.0094% | 1,413 |
| Efficiency ratio | 76.0608% | 1,609 |
| Assets per employee ($millions) | 8.6247% | 508 |
| Cash dividends to net income (ytd only)* | 30.8452% | 3,274 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9108% | 4,416 |
| Loan loss allowance to noncurrent loans | 114.8583% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 0.6089% | 2,515 |
| Noncurrent loans to loans | 0.7930% | 2,230 |
| Net loans and leases to total assets | 72.3033% | 2,178 |
| Net loans and leases to deposits | 87.9200% | 2,029 |
| Net loans and leases to core deposits | 90.3473% | 2,532 |
| Total domestic deposits to total assets | 82.2376% | 3,808 |
| Equity capital to assets | 11.9119% | 1,898 |
| Core capital (leverage) ratio | 11.0833% | 2,256 |
| Tier 1 risk-based capital ratio | 17.0569% | 2,071 |
| Total risk-based capital ratio | 18.0879% | 2,097 |
| Memoranda: |
| Average total assets | $352,218,200 | 1,908 |
| Average earning assets | $333,143,200 | 1,877 |
| Average equity | $41,397,800 | 1,799 |
| Average total loans | $265,817,800 | 1,732 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6722% | 4,388 |
| Cost of funding earning assets | 0.3849% | 3,335 |
| Net interest margin | 3.2872% | 4,209 |
| Noninterest income to average assets | 1.1697% | 748 |
| Noninterest expense to average assets | 3.2651% | 1,421 |
| Loan and lease loss provision to assets | -0.2592% | 5,682 |
| Net operating income to assets | 0.9477% | 2,790 |
| Return on assets (ROA) | 0.9534% | 2,825 |
| Pretax return on assets | 1.2777% | 2,599 |
| Return on Equity (ROE) | 8.1389% | 3,057 |
| Retained earnings to average equity (ytd only) | 8.1389% | 1,168 |
| Net charge-offs to loans | 0.0224% | 3,018 |
| Credit loss provision to net charge-offs | -1,520.0000% | 5,025 |
| Earnings coverage of net charge-offs (x) | 59.2873% | 997 |
| Efficiency ratio | 76.3580% | 1,534 |
| Assets per employee ($millions) | 8.6774% | 487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8780% | 4,657 |
| Loan loss allowance to noncurrent loans | 81.8761% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 0.8668% | 1,984 |
| Noncurrent loans to loans | 1.0724% | 1,798 |
| Net loans and leases to total assets | 71.6484% | 2,306 |
| Net loans and leases to deposits | 86.9225% | 2,193 |
| Net loans and leases to core deposits | 89.6754% | 2,636 |
| Total domestic deposits to total assets | 82.4279% | 3,652 |
| Equity capital to assets | 11.7102% | 2,180 |
| Core capital (leverage) ratio | 11.1625% | 2,313 |
| Tier 1 risk-based capital ratio | 16.6368% | 2,271 |
| Total risk-based capital ratio | 17.6199% | 2,310 |
| Memoranda: |
| Average total assets | $351,869,750 | 1,915 |
| Average earning assets | $332,509,000 | 1,889 |
| Average equity | $41,216,750 | 1,825 |
| Average total loans | $267,766,500 | 1,729 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6248% | 4,443 |
| Cost of funding earning assets | 0.3696% | 3,384 |
| Net interest margin | 3.2552% | 4,250 |
| Noninterest income to average assets | 1.1200% | 797 |
| Noninterest expense to average assets | 3.2801% | 1,409 |
| Loan and lease loss provision to assets | -0.2341% | 5,714 |
| Net operating income to assets | 0.8600% | 3,113 |
| Return on assets (ROA) | 0.8686% | 3,128 |
| Pretax return on assets | 1.1563% | 2,954 |
| Return on Equity (ROE) | 7.4147% | 3,333 |
| Retained earnings to average equity (ytd only) | 7.4147% | 1,388 |
| Net charge-offs to loans | 0.0111% | 3,069 |
| Credit loss provision to net charge-offs | -2,713.3333% | 4,996 |
| Earnings coverage of net charge-offs (x) | 105.5333% | 629 |
| Efficiency ratio | 78.2704% | 1,426 |
| Assets per employee ($millions) | 8.2203% | 564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9675% | 4,336 |
| Loan loss allowance to noncurrent loans | 56.3683% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 1.3848% | 1,138 |
| Noncurrent loans to loans | 1.7163% | 1,060 |
| Net loans and leases to total assets | 77.6793% | 1,291 |
| Net loans and leases to deposits | 95.1254% | 1,168 |
| Net loans and leases to core deposits | 98.4230% | 1,772 |
| Total domestic deposits to total assets | 81.6598% | 3,991 |
| Equity capital to assets | 12.0578% | 1,893 |
| Core capital (leverage) ratio | 11.3016% | 2,125 |
| Tier 1 risk-based capital ratio | 16.3224% | 2,389 |
| Total risk-based capital ratio | 17.4417% | 2,373 |
| Memoranda: |
| Average total assets | $347,675,670 | 1,934 |
| Average earning assets | $327,966,000 | 1,918 |
| Average equity | $40,729,670 | 1,842 |
| Average total loans | $269,209,670 | 1,720 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5722% | 4,488 |
| Cost of funding earning assets | 0.3569% | 3,457 |
| Net interest margin | 3.2153% | 4,291 |
| Noninterest income to average assets | 1.1454% | 769 |
| Noninterest expense to average assets | 3.2091% | 1,582 |
| Loan and lease loss provision to assets | 0.2190% | 729 |
| Net operating income to assets | 0.6042% | 4,139 |
| Return on assets (ROA) | 0.6226% | 4,101 |
| Pretax return on assets | 0.7773% | 4,196 |
| Return on Equity (ROE) | 5.3923% | 4,197 |
| Retained earnings to average equity (ytd only) | 5.3923% | 2,670 |
| Net charge-offs to loans | 0.0462% | 1,925 |
| Credit loss provision to net charge-offs | 616.1290% | 503 |
| Earnings coverage of net charge-offs (x) | 27.3871% | 1,276 |
| Efficiency ratio | 76.7270% | 1,801 |
| Assets per employee ($millions) | 8.1091% | 588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2007% | 3,133 |
| Loan loss allowance to noncurrent loans | 63.9505% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 1.5202% | 1,044 |
| Noncurrent loans to loans | 1.8775% | 980 |
| Net loans and leases to total assets | 75.5613% | 1,487 |
| Net loans and leases to deposits | 91.6352% | 1,364 |
| Net loans and leases to core deposits | 94.8585% | 1,904 |
| Total domestic deposits to total assets | 82.4588% | 4,036 |
| Equity capital to assets | 11.6403% | 2,086 |
| Core capital (leverage) ratio | 10.8533% | 2,535 |
| Tier 1 risk-based capital ratio | 15.8815% | 2,597 |
| Total risk-based capital ratio | 17.1330% | 2,544 |
| Memoranda: |
| Average total assets | $348,887,000 | 1,939 |
| Average earning assets | $329,547,000 | 1,910 |
| Average equity | $40,279,500 | 1,859 |
| Average total loans | $268,409,500 | 1,736 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5881% | 4,541 |
| Cost of funding earning assets | 0.4251% | 2,759 |
| Net interest margin | 3.1630% | 4,555 |
| Noninterest income to average assets | 1.2108% | 776 |
| Noninterest expense to average assets | 3.2587% | 1,671 |
| Loan and lease loss provision to assets | 0.1679% | 1,458 |
| Net operating income to assets | 0.6039% | 4,190 |
| Return on assets (ROA) | 0.6191% | 4,248 |
| Pretax return on assets | 0.7920% | 4,205 |
| Return on Equity (ROE) | 5.4306% | 4,223 |
| Retained earnings to average equity (ytd only) | 1.3539% | 4,733 |
| Net charge-offs to loans | 0.0239% | 3,566 |
| Credit loss provision to net charge-offs | 916.9231% | 413 |
| Earnings coverage of net charge-offs (x) | 51.3692% | 995 |
| Efficiency ratio | 77.6041% | 1,758 |
| Assets per employee ($millions) | 7.2725% | 816 |
| Cash dividends to net income (ytd only)* | 75.0682% | 1,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1261% | 3,566 |
| Loan loss allowance to noncurrent loans | 61.8796% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 1.5140% | 1,090 |
| Noncurrent loans to loans | 1.8198% | 1,044 |
| Net loans and leases to total assets | 76.5146% | 1,437 |
| Net loans and leases to deposits | 93.3146% | 1,266 |
| Net loans and leases to core deposits | 96.8859% | 1,843 |
| Total domestic deposits to total assets | 81.9964% | 4,077 |
| Equity capital to assets | 11.4501% | 2,212 |
| Core capital (leverage) ratio | 10.6342% | 2,738 |
| Tier 1 risk-based capital ratio | 15.6592% | 2,682 |
| Total risk-based capital ratio | 16.9097% | 2,608 |
| Memoranda: |
| Average total assets | $355,045,200 | 1,880 |
| Average earning assets | $335,438,000 | 1,849 |
| Average equity | $40,474,200 | 1,833 |
| Average total loans | $271,420,000 | 1,667 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6247% | 4,483 |
| Cost of funding earning assets | 0.4342% | 2,692 |
| Net interest margin | 3.1906% | 4,511 |
| Noninterest income to average assets | 1.1189% | 914 |
| Noninterest expense to average assets | 3.2568% | 1,660 |
| Loan and lease loss provision to assets | 0.1668% | 1,366 |
| Net operating income to assets | 0.5720% | 4,405 |
| Return on assets (ROA) | 0.5875% | 4,450 |
| Pretax return on assets | 0.7288% | 4,534 |
| Return on Equity (ROE) | 5.1591% | 4,451 |
| Retained earnings to average equity (ytd only) | 1.3826% | 4,955 |
| Net charge-offs to loans | 0.1864% | 1,251 |
| Credit loss provision to net charge-offs | 117.3684% | 2,131 |
| Earnings coverage of net charge-offs (x) | 6.1685% | 3,028 |
| Efficiency ratio | 78.7931% | 1,582 |
| Assets per employee ($millions) | 7.1426% | 840 |
| Cash dividends to net income (ytd only)* | 73.2022% | 941 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9698% | 4,562 |
| Loan loss allowance to noncurrent loans | 102.1403% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 0.8220% | 2,491 |
| Noncurrent loans to loans | 0.9495% | 2,346 |
| Net loans and leases to total assets | 75.1891% | 1,670 |
| Net loans and leases to deposits | 93.5037% | 1,320 |
| Net loans and leases to core deposits | 97.4605% | 1,865 |
| Total domestic deposits to total assets | 80.4130% | 4,415 |
| Equity capital to assets | 11.7050% | 2,352 |
| Core capital (leverage) ratio | 10.7081% | 2,780 |
| Tier 1 risk-based capital ratio | 15.7389% | 2,729 |
| Total risk-based capital ratio | 16.8559% | 2,722 |
| Memoranda: |
| Average total assets | $356,536,250 | 1,879 |
| Average earning assets | $336,861,250 | 1,845 |
| Average equity | $40,600,250 | 1,838 |
| Average total loans | $271,740,000 | 1,662 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6490% | 4,455 |
| Cost of funding earning assets | 0.4383% | 2,666 |
| Net interest margin | 3.2107% | 4,508 |
| Noninterest income to average assets | 1.1374% | 861 |
| Noninterest expense to average assets | 3.2443% | 1,704 |
| Loan and lease loss provision to assets | 0.2252% | 919 |
| Net operating income to assets | 0.5707% | 4,395 |
| Return on assets (ROA) | 0.5938% | 4,426 |
| Pretax return on assets | 0.7309% | 4,529 |
| Return on Equity (ROE) | 5.2621% | 4,407 |
| Retained earnings to average equity (ytd only) | 2.0505% | 4,540 |
| Net charge-offs to loans | 0.2455% | 963 |
| Credit loss provision to net charge-offs | 120.2381% | 1,861 |
| Earnings coverage of net charge-offs (x) | 4.9524% | 2,914 |
| Efficiency ratio | 77.7629% | 1,827 |
| Assets per employee ($millions) | 6.8213% | 939 |
| Cash dividends to net income (ytd only)* | 61.0329% | 1,483 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9620% | 4,713 |
| Loan loss allowance to noncurrent loans | 92.7724% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 0.8779% | 2,401 |
| Noncurrent loans to loans | 1.0370% | 2,209 |
| Net loans and leases to total assets | 76.3478% | 1,435 |
| Net loans and leases to deposits | 99.7615% | 713 |
| Net loans and leases to core deposits | 103.6880% | 1,342 |
| Total domestic deposits to total assets | 76.5304% | 5,215 |
| Equity capital to assets | 11.8018% | 2,269 |
| Core capital (leverage) ratio | 10.5342% | 2,933 |
| Tier 1 risk-based capital ratio | 15.6650% | 2,797 |
| Total risk-based capital ratio | 16.7770% | 2,789 |
| Memoranda: |
| Average total assets | $358,719,000 | 1,868 |
| Average earning assets | $339,055,670 | 1,836 |
| Average equity | $40,478,330 | 1,835 |
| Average total loans | $273,743,330 | 1,648 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7172% | 4,261 |
| Cost of funding earning assets | 0.4410% | 2,677 |
| Net interest margin | 3.2762% | 4,313 |
| Noninterest income to average assets | 1.1534% | 828 |
| Noninterest expense to average assets | 3.2120% | 1,813 |
| Loan and lease loss provision to assets | 0.3405% | 440 |
| Net operating income to assets | 0.5761% | 4,287 |
| Return on assets (ROA) | 0.5932% | 4,321 |
| Pretax return on assets | 0.7228% | 4,442 |
| Return on Equity (ROE) | 5.3746% | 4,304 |
| Retained earnings to average equity (ytd only) | 1.3934% | 4,703 |
| Net charge-offs to loans | 0.2662% | 785 |
| Credit loss provision to net charge-offs | 168.4783% | 1,195 |
| Earnings coverage of net charge-offs (x) | 5.1576% | 2,356 |
| Efficiency ratio | 75.4970% | 2,255 |
| Assets per employee ($millions) | 7.1565% | 835 |
| Cash dividends to net income (ytd only)* | 74.0741% | 1,103 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9416% | 4,897 |
| Loan loss allowance to noncurrent loans | 94.4842% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 0.8441% | 2,574 |
| Noncurrent loans to loans | 0.9965% | 2,394 |
| Net loans and leases to total assets | 76.0409% | 1,387 |
| Net loans and leases to deposits | 103.1843% | 453 |
| Net loans and leases to core deposits | 107.4184% | 997 |
| Total domestic deposits to total assets | 73.6942% | 5,641 |
| Equity capital to assets | 11.1194% | 2,810 |
| Core capital (leverage) ratio | 10.1706% | 3,347 |
| Tier 1 risk-based capital ratio | 13.6091% | 3,923 |
| Total risk-based capital ratio | 14.6034% | 3,994 |
| Memoranda: |
| Average total assets | $364,134,500 | 1,844 |
| Average earning assets | $344,665,500 | 1,805 |
| Average equity | $40,189,000 | 1,839 |
| Average total loans | $276,522,500 | 1,629 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6584% | 4,495 |
| Cost of funding earning assets | 0.4920% | 2,235 |
| Net interest margin | 3.1664% | 4,728 |
| Noninterest income to average assets | 1.2471% | 772 |
| Noninterest expense to average assets | 3.3322% | 1,643 |
| Loan and lease loss provision to assets | 0.3552% | 410 |
| Net operating income to assets | 0.4556% | 4,867 |
| Return on assets (ROA) | 0.4556% | 4,949 |
| Pretax return on assets | 0.5610% | 4,960 |
| Return on Equity (ROE) | 3.8787% | 4,997 |
| Retained earnings to average equity (ytd only) | -1.2831% | 5,692 |
| Net charge-offs to loans | 0.4071% | 700 |
| Credit loss provision to net charge-offs | 118.2692% | 2,179 |
| Earnings coverage of net charge-offs (x) | 3.0510% | 3,786 |
| Efficiency ratio | 78.4340% | 1,901 |
| Assets per employee ($millions) | 6.7275% | 993 |
| Cash dividends to net income (ytd only)* | 133.0798% | 198 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9202% | 5,009 |
| Loan loss allowance to noncurrent loans | 115.6077% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 0.6876% | 2,989 |
| Noncurrent loans to loans | 0.7960% | 2,803 |
| Net loans and leases to total assets | 74.4206% | 1,653 |
| Net loans and leases to deposits | 101.1104% | 601 |
| Net loans and leases to core deposits | 105.5826% | 1,124 |
| Total domestic deposits to total assets | 73.6034% | 5,680 |
| Equity capital to assets | 10.9539% | 2,866 |
| Core capital (leverage) ratio | 10.6011% | 2,825 |
| Tier 1 risk-based capital ratio | 14.1508% | 3,636 |
| Total risk-based capital ratio | 15.1391% | 3,707 |
| Memoranda: |
| Average total assets | $346,319,800 | 1,886 |
| Average earning assets | $328,259,400 | 1,854 |
| Average equity | $40,684,200 | 1,770 |
| Average total loans | $255,444,200 | 1,693 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7151% | 4,374 |
| Cost of funding earning assets | 0.5168% | 2,068 |
| Net interest margin | 3.1983% | 4,672 |
| Noninterest income to average assets | 1.2410% | 786 |
| Noninterest expense to average assets | 3.3621% | 1,553 |
| Loan and lease loss provision to assets | 0.1473% | 1,478 |
| Net operating income to assets | 0.6014% | 4,379 |
| Return on assets (ROA) | 0.6014% | 4,484 |
| Pretax return on assets | 0.7635% | 4,451 |
| Return on Equity (ROE) | 5.0292% | 4,616 |
| Retained earnings to average equity (ytd only) | 0.1401% | 5,565 |
| Net charge-offs to loans | 0.1051% | 2,082 |
| Credit loss provision to net charge-offs | 190.9091% | 1,387 |
| Earnings coverage of net charge-offs (x) | 11.8032% | 2,460 |
| Efficiency ratio | 78.6828% | 1,862 |
| Assets per employee ($millions) | 6.4899% | 1,074 |
| Cash dividends to net income (ytd only)* | 97.2133% | 413 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9839% | 4,823 |
| Loan loss allowance to noncurrent loans | 126.5048% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 0.6594% | 3,278 |
| Noncurrent loans to loans | 0.7778% | 3,018 |
| Net loans and leases to total assets | 73.1719% | 1,874 |
| Net loans and leases to deposits | 92.9684% | 1,307 |
| Net loans and leases to core deposits | 96.9911% | 1,797 |
| Total domestic deposits to total assets | 78.7062% | 5,051 |
| Equity capital to assets | 11.8600% | 2,208 |
| Core capital (leverage) ratio | 11.0111% | 2,478 |
| Tier 1 risk-based capital ratio | 15.8045% | 2,894 |
| Total risk-based capital ratio | 16.8880% | 2,910 |
| Memoranda: |
| Average total assets | $342,078,500 | 1,922 |
| Average earning assets | $324,290,500 | 1,878 |
| Average equity | $40,906,750 | 1,777 |
| Average total loans | $251,087,750 | 1,728 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7392% | 4,281 |
| Cost of funding earning assets | 0.5264% | 2,012 |
| Net interest margin | 3.2128% | 4,623 |
| Noninterest income to average assets | 1.2980% | 721 |
| Noninterest expense to average assets | 3.3141% | 1,658 |
| Loan and lease loss provision to assets | 0.1107% | 1,985 |
| Net operating income to assets | 0.7070% | 3,856 |
| Return on assets (ROA) | 0.7070% | 3,980 |
| Pretax return on assets | 0.9190% | 3,889 |
| Return on Equity (ROE) | 5.8958% | 4,179 |
| Retained earnings to average equity (ytd only) | 1.4996% | 4,949 |
| Net charge-offs to loans | 0.1456% | 1,617 |
| Credit loss provision to net charge-offs | 103.8462% | 2,000 |
| Earnings coverage of net charge-offs (x) | 9.6593% | 2,434 |
| Efficiency ratio | 76.2945% | 2,311 |
| Assets per employee ($millions) | 6.2671% | 1,173 |
| Cash dividends to net income (ytd only)* | 74.5650% | 1,060 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9128% | 5,257 |
| Loan loss allowance to noncurrent loans | 120.8095% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 0.6778% | 3,366 |
| Noncurrent loans to loans | 0.7556% | 3,224 |
| Net loans and leases to total assets | 74.6691% | 1,556 |
| Net loans and leases to deposits | 93.9618% | 1,153 |
| Net loans and leases to core deposits | 98.1943% | 1,640 |
| Total domestic deposits to total assets | 79.4675% | 4,987 |
| Equity capital to assets | 12.0671% | 1,974 |
| Core capital (leverage) ratio | 11.0560% | 2,372 |
| Tier 1 risk-based capital ratio | 15.8040% | 2,952 |
| Total risk-based capital ratio | 16.8018% | 3,021 |
| Memoranda: |
| Average total assets | $341,450,000 | 1,940 |
| Average earning assets | $323,704,000 | 1,896 |
| Average equity | $40,944,330 | 1,786 |
| Average total loans | $250,055,000 | 1,743 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7629% | 4,156 |
| Cost of funding earning assets | 0.5439% | 1,893 |
| Net interest margin | 3.2190% | 4,538 |
| Noninterest income to average assets | 1.2923% | 688 |
| Noninterest expense to average assets | 3.2715% | 1,790 |
| Loan and lease loss provision to assets | -0.0058% | 6,087 |
| Net operating income to assets | 0.7779% | 3,377 |
| Return on assets (ROA) | 0.7779% | 3,510 |
| Pretax return on assets | 1.0777% | 3,181 |
| Return on Equity (ROE) | 6.5077% | 3,758 |
| Retained earnings to average equity (ytd only) | 3.5807% | 3,851 |
| Net charge-offs to loans | 0.1664% | 1,275 |
| Credit loss provision to net charge-offs | -4.8544% | 4,296 |
| Earnings coverage of net charge-offs (x) | 8.9223% | 2,050 |
| Efficiency ratio | 75.3222% | 2,606 |
| Assets per employee ($millions) | 6.2602% | 1,215 |
| Cash dividends to net income (ytd only)* | 44.9775% | 1,895 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9015% | 5,439 |
| Loan loss allowance to noncurrent loans | 96.8066% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 0.7273% | 3,312 |
| Noncurrent loans to loans | 0.9312% | 2,916 |
| Net loans and leases to total assets | 70.6546% | 2,045 |
| Net loans and leases to deposits | 88.9978% | 1,506 |
| Net loans and leases to core deposits | 92.8845% | 1,864 |
| Total domestic deposits to total assets | 79.3892% | 5,195 |
| Equity capital to assets | 12.0002% | 2,028 |
| Core capital (leverage) ratio | 11.1069% | 2,311 |
| Tier 1 risk-based capital ratio | 16.9487% | 2,494 |
| Total risk-based capital ratio | 17.9622% | 2,540 |
| Memoranda: |
| Average total assets | $342,962,500 | 1,943 |
| Average earning assets | $325,066,500 | 1,895 |
| Average equity | $40,997,500 | 1,792 |
| Average total loans | $247,569,000 | 1,757 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9223% | 4,048 |
| Cost of funding earning assets | 0.5317% | 2,374 |
| Net interest margin | 3.3906% | 4,235 |
| Noninterest income to average assets | 1.2646% | 754 |
| Noninterest expense to average assets | 3.2334% | 2,116 |
| Loan and lease loss provision to assets | -0.0006% | 5,883 |
| Net operating income to assets | 0.8334% | 3,205 |
| Return on assets (ROA) | 0.8334% | 3,298 |
| Pretax return on assets | 1.2325% | 2,516 |
| Return on Equity (ROE) | 7.2300% | 3,500 |
| Retained earnings to average equity (ytd only) | 3.5848% | 3,671 |
| Net charge-offs to loans | 0.1622% | 2,406 |
| Credit loss provision to net charge-offs | -0.4878% | 5,281 |
| Earnings coverage of net charge-offs (x) | 10.3683% | 2,617 |
| Efficiency ratio | 72.4122% | 3,130 |
| Assets per employee ($millions) | 6.2112% | 1,242 |
| Cash dividends to net income (ytd only)* | 50.4172% | 2,251 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9293% | 5,365 |
| Loan loss allowance to noncurrent loans | 82.8571% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 0.8422% | 3,103 |
| Noncurrent loans to loans | 1.1216% | 2,593 |
| Net loans and leases to total assets | 72.4014% | 1,847 |
| Net loans and leases to deposits | 91.8014% | 1,308 |
| Net loans and leases to core deposits | 95.7946% | 1,740 |
| Total domestic deposits to total assets | 78.8674% | 5,274 |
| Equity capital to assets | 11.9073% | 2,079 |
| Core capital (leverage) ratio | 10.7786% | 2,639 |
| Tier 1 risk-based capital ratio | 16.6250% | 2,661 |
| Total risk-based capital ratio | 17.6753% | 2,696 |
| Memoranda: |
| Average total assets | $345,083,000 | 1,887 |
| Average earning assets | $325,753,000 | 1,841 |
| Average equity | $39,778,600 | 1,785 |
| Average total loans | $252,716,800 | 1,673 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9396% | 4,010 |
| Cost of funding earning assets | 0.5253% | 2,512 |
| Net interest margin | 3.4143% | 4,176 |
| Noninterest income to average assets | 1.2514% | 775 |
| Noninterest expense to average assets | 3.1842% | 2,225 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9654% | 2,622 |
| Return on assets (ROA) | 0.9654% | 2,690 |
| Pretax return on assets | 1.2888% | 2,419 |
| Return on Equity (ROE) | 8.4440% | 2,971 |
| Retained earnings to average equity (ytd only) | 4.9046% | 3,153 |
| Net charge-offs to loans | 0.0994% | 2,803 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 17.6934% | 1,887 |
| Efficiency ratio | 71.1873% | 3,309 |
| Assets per employee ($millions) | 6.3759% | 1,096 |
| Cash dividends to net income (ytd only)* | 41.9163% | 2,263 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0155% | 5,144 |
| Loan loss allowance to noncurrent loans | 104.9959% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 0.7160% | 3,669 |
| Noncurrent loans to loans | 0.9672% | 3,149 |
| Net loans and leases to total assets | 70.6825% | 2,084 |
| Net loans and leases to deposits | 90.0022% | 1,430 |
| Net loans and leases to core deposits | 93.8677% | 1,882 |
| Total domestic deposits to total assets | 78.5343% | 5,429 |
| Equity capital to assets | 11.5306% | 2,453 |
| Core capital (leverage) ratio | 10.8443% | 2,642 |
| Tier 1 risk-based capital ratio | 16.4808% | 2,816 |
| Total risk-based capital ratio | 17.6191% | 2,826 |
| Memoranda: |
| Average total assets | $345,950,000 | 1,891 |
| Average earning assets | $326,419,250 | 1,849 |
| Average equity | $39,554,000 | 1,805 |
| Average total loans | $253,482,500 | 1,677 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9853% | 3,786 |
| Cost of funding earning assets | 0.5262% | 2,571 |
| Net interest margin | 3.4591% | 3,942 |
| Noninterest income to average assets | 1.2405% | 762 |
| Noninterest expense to average assets | 3.1472% | 2,343 |
| Loan and lease loss provision to assets | 0.0006% | 4,193 |
| Net operating income to assets | 0.9699% | 2,455 |
| Return on assets (ROA) | 0.9699% | 2,541 |
| Pretax return on assets | 1.3532% | 2,074 |
| Return on Equity (ROE) | 8.5073% | 2,833 |
| Retained earnings to average equity (ytd only) | 4.9414% | 2,995 |
| Net charge-offs to loans | 0.0888% | 2,797 |
| Credit loss provision to net charge-offs | 0.8850% | 3,396 |
| Earnings coverage of net charge-offs (x) | 20.6283% | 1,576 |
| Efficiency ratio | 69.9226% | 3,672 |
| Assets per employee ($millions) | 6.0968% | 1,222 |
| Cash dividends to net income (ytd only)* | 41.9162% | 2,318 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0348% | 5,182 |
| Loan loss allowance to noncurrent loans | 112.2536% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 0.7068% | 3,858 |
| Noncurrent loans to loans | 0.9219% | 3,415 |
| Net loans and leases to total assets | 73.3889% | 1,522 |
| Net loans and leases to deposits | 92.1015% | 1,137 |
| Net loans and leases to core deposits | 96.4160% | 1,570 |
| Total domestic deposits to total assets | 79.6826% | 5,308 |
| Equity capital to assets | 11.7547% | 2,201 |
| Core capital (leverage) ratio | 10.8482% | 2,583 |
| Tier 1 risk-based capital ratio | 16.2600% | 2,949 |
| Total risk-based capital ratio | 17.4323% | 2,943 |
| Memoranda: |
| Average total assets | $344,375,000 | 1,898 |
| Average earning assets | $324,590,000 | 1,853 |
| Average equity | $39,260,330 | 1,806 |
| Average total loans | $254,507,000 | 1,666 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9756% | 3,790 |
| Cost of funding earning assets | 0.5201% | 2,716 |
| Net interest margin | 3.4555% | 3,877 |
| Noninterest income to average assets | 1.1785% | 802 |
| Noninterest expense to average assets | 3.0510% | 2,692 |
| Loan and lease loss provision to assets | -0.0012% | 6,362 |
| Net operating income to assets | 0.9900% | 2,245 |
| Return on assets (ROA) | 0.9900% | 2,304 |
| Pretax return on assets | 1.3867% | 1,800 |
| Return on Equity (ROE) | 8.8193% | 2,543 |
| Retained earnings to average equity (ytd only) | 5.2133% | 2,987 |
| Net charge-offs to loans | 0.2022% | 1,529 |
| Credit loss provision to net charge-offs | -0.7752% | 4,633 |
| Earnings coverage of net charge-offs (x) | 9.2868% | 1,949 |
| Efficiency ratio | 68.7696% | 4,051 |
| Assets per employee ($millions) | 6.1218% | 1,226 |
| Cash dividends to net income (ytd only)* | 40.8879% | 1,960 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0315% | 5,400 |
| Loan loss allowance to noncurrent loans | 118.3265% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 0.6496% | 4,179 |
| Noncurrent loans to loans | 0.8717% | 3,713 |
| Net loans and leases to total assets | 72.8232% | 1,445 |
| Net loans and leases to deposits | 91.1009% | 1,028 |
| Net loans and leases to core deposits | 95.5222% | 1,422 |
| Total domestic deposits to total assets | 79.9369% | 5,493 |
| Equity capital to assets | 11.4475% | 2,294 |
| Core capital (leverage) ratio | 10.5115% | 2,913 |
| Tier 1 risk-based capital ratio | 15.8935% | 3,223 |
| Total risk-based capital ratio | 17.2734% | 3,111 |
| Memoranda: |
| Average total assets | $345,852,000 | 1,900 |
| Average earning assets | $326,087,000 | 1,849 |
| Average equity | $38,824,000 | 1,812 |
| Average total loans | $255,168,000 | 1,669 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9774% | 4,162 |
| Cost of funding earning assets | 0.5742% | 2,891 |
| Net interest margin | 3.4032% | 4,262 |
| Noninterest income to average assets | 1.3719% | 743 |
| Noninterest expense to average assets | 3.0827% | 2,787 |
| Loan and lease loss provision to assets | 0.2726% | 1,292 |
| Net operating income to assets | 0.8684% | 2,933 |
| Return on assets (ROA) | 0.8790% | 2,973 |
| Pretax return on assets | 1.2410% | 2,411 |
| Return on Equity (ROE) | 8.0930% | 2,989 |
| Retained earnings to average equity (ytd only) | 4.3415% | 3,088 |
| Net charge-offs to loans | 0.3635% | 1,861 |
| Credit loss provision to net charge-offs | 107.3009% | 2,234 |
| Earnings coverage of net charge-offs (x) | 5.8993% | 3,179 |
| Efficiency ratio | 67.2882% | 4,330 |
| Assets per employee ($millions) | 6.3434% | 1,065 |
| Cash dividends to net income (ytd only)* | 46.3555% | 2,468 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0586% | 5,312 |
| Loan loss allowance to noncurrent loans | 117.9620% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 0.6922% | 4,178 |
| Noncurrent loans to loans | 0.8974% | 3,744 |
| Net loans and leases to total assets | 73.1904% | 1,493 |
| Net loans and leases to deposits | 93.8452% | 890 |
| Net loans and leases to core deposits | 98.6456% | 1,264 |
| Total domestic deposits to total assets | 77.9905% | 5,830 |
| Equity capital to assets | 11.0076% | 2,608 |
| Core capital (leverage) ratio | 10.1301% | 3,386 |
| Tier 1 risk-based capital ratio | 15.3306% | 3,463 |
| Total risk-based capital ratio | 16.7367% | 3,337 |
| Memoranda: |
| Average total assets | $355,853,200 | 1,827 |
| Average earning assets | $335,595,200 | 1,767 |
| Average equity | $38,650,600 | 1,802 |
| Average total loans | $248,666,800 | 1,668 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9171% | 4,437 |
| Cost of funding earning assets | 0.5851% | 2,949 |
| Net interest margin | 3.3321% | 4,524 |
| Noninterest income to average assets | 1.4385% | 714 |
| Noninterest expense to average assets | 3.0604% | 2,791 |
| Loan and lease loss provision to assets | 0.2748% | 1,272 |
| Net operating income to assets | 0.8834% | 2,917 |
| Return on assets (ROA) | 0.8975% | 2,965 |
| Pretax return on assets | 1.2636% | 2,467 |
| Return on Equity (ROE) | 8.2900% | 2,981 |
| Retained earnings to average equity (ytd only) | 5.0181% | 3,069 |
| Net charge-offs to loans | 0.4698% | 1,366 |
| Credit loss provision to net charge-offs | 84.9078% | 2,730 |
| Earnings coverage of net charge-offs (x) | 4.6924% | 3,376 |
| Efficiency ratio | 66.8349% | 4,331 |
| Assets per employee ($millions) | 6.3955% | 975 |
| Cash dividends to net income (ytd only)* | 39.4684% | 2,304 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9815% | 5,799 |
| Loan loss allowance to noncurrent loans | 121.6995% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.5956% | 4,652 |
| Noncurrent loans to loans | 0.8065% | 4,222 |
| Net loans and leases to total assets | 71.4044% | 1,702 |
| Net loans and leases to deposits | 89.4184% | 1,229 |
| Net loans and leases to core deposits | 94.7149% | 1,502 |
| Total domestic deposits to total assets | 79.8542% | 5,546 |
| Equity capital to assets | 10.7634% | 2,998 |
| Core capital (leverage) ratio | 9.9318% | 3,769 |
| Tier 1 risk-based capital ratio | 15.1835% | 3,642 |
| Total risk-based capital ratio | 16.5008% | 3,547 |
| Memoranda: |
| Average total assets | $357,595,000 | 1,822 |
| Average earning assets | $337,040,250 | 1,777 |
| Average equity | $38,712,250 | 1,813 |
| Average total loans | $246,312,750 | 1,685 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8789% | 4,552 |
| Cost of funding earning assets | 0.5971% | 2,970 |
| Net interest margin | 3.2818% | 4,645 |
| Noninterest income to average assets | 1.4571% | 744 |
| Noninterest expense to average assets | 3.1269% | 2,584 |
| Loan and lease loss provision to assets | 0.2904% | 1,253 |
| Net operating income to assets | 0.7996% | 3,301 |
| Return on assets (ROA) | 0.8120% | 3,384 |
| Pretax return on assets | 1.1483% | 2,892 |
| Return on Equity (ROE) | 7.4858% | 3,351 |
| Retained earnings to average equity (ytd only) | 5.1642% | 2,949 |
| Net charge-offs to loans | 0.7040% | 929 |
| Credit loss provision to net charge-offs | 60.8441% | 3,000 |
| Earnings coverage of net charge-offs (x) | 2.9777% | 3,540 |
| Efficiency ratio | 68.7500% | 4,049 |
| Assets per employee ($millions) | 6.3694% | 974 |
| Cash dividends to net income (ytd only)* | 31.0131% | 2,637 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9306% | 6,048 |
| Loan loss allowance to noncurrent loans | 128.9110% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.5072% | 4,998 |
| Noncurrent loans to loans | 0.7219% | 4,483 |
| Net loans and leases to total assets | 69.6023% | 1,950 |
| Net loans and leases to deposits | 89.7102% | 1,177 |
| Net loans and leases to core deposits | 94.6936% | 1,462 |
| Total domestic deposits to total assets | 77.5857% | 6,053 |
| Equity capital to assets | 10.7231% | 3,030 |
| Core capital (leverage) ratio | 9.8876% | 3,662 |
| Tier 1 risk-based capital ratio | 15.4672% | 3,501 |
| Total risk-based capital ratio | 16.7287% | 3,449 |
| Memoranda: |
| Average total assets | $357,410,330 | 1,826 |
| Average earning assets | $336,644,000 | 1,779 |
| Average equity | $38,766,670 | 1,810 |
| Average total loans | $242,327,330 | 1,706 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8555% | 4,633 |
| Cost of funding earning assets | 0.6061% | 3,053 |
| Net interest margin | 3.2493% | 4,735 |
| Noninterest income to average assets | 1.2377% | 1,004 |
| Noninterest expense to average assets | 3.0690% | 2,774 |
| Loan and lease loss provision to assets | 0.0011% | 4,403 |
| Net operating income to assets | 0.8618% | 2,857 |
| Return on assets (ROA) | 0.8821% | 2,883 |
| Pretax return on assets | 1.2533% | 2,401 |
| Return on Equity (ROE) | 8.0869% | 2,928 |
| Retained earnings to average equity (ytd only) | 3.4746% | 4,167 |
| Net charge-offs to loans | -0.0067% | 5,332 |
| Credit loss provision to net charge-offs | -25.0000% | 4,996 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4658% | 3,722 |
| Assets per employee ($millions) | 6.3463% | 1,053 |
| Cash dividends to net income (ytd only)* | 57.0342% | 1,379 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1287% | 5,490 |
| Loan loss allowance to noncurrent loans | 80.1861% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 0.9373% | 4,054 |
| Noncurrent loans to loans | 1.4076% | 3,455 |
| Net loans and leases to total assets | 65.8370% | 2,395 |
| Net loans and leases to deposits | 81.4509% | 1,903 |
| Net loans and leases to core deposits | 86.2383% | 2,084 |
| Total domestic deposits to total assets | 80.8302% | 5,541 |
| Equity capital to assets | 10.9932% | 2,965 |
| Core capital (leverage) ratio | 9.8548% | 3,594 |
| Tier 1 risk-based capital ratio | 15.7173% | 3,414 |
| Total risk-based capital ratio | 17.4190% | 3,121 |
| Memoranda: |
| Average total assets | $357,771,500 | 1,851 |
| Average earning assets | $336,561,000 | 1,798 |
| Average equity | $39,026,000 | 1,818 |
| Average total loans | $238,193,500 | 1,742 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2054% | 4,578 |
| Cost of funding earning assets | 0.7342% | 3,214 |
| Net interest margin | 3.4712% | 4,621 |
| Noninterest income to average assets | 1.3038% | 901 |
| Noninterest expense to average assets | 2.8000% | 4,022 |
| Loan and lease loss provision to assets | 0.0700% | 4,869 |
| Net operating income to assets | 1.1480% | 1,777 |
| Return on assets (ROA) | 1.1525% | 1,927 |
| Pretax return on assets | 1.6922% | 1,152 |
| Return on Equity (ROE) | 11.1506% | 1,755 |
| Retained earnings to average equity (ytd only) | 3.3008% | 3,900 |
| Net charge-offs to loans | 0.1346% | 4,333 |
| Credit loss provision to net charge-offs | 81.5625% | 3,780 |
| Earnings coverage of net charge-offs (x) | 20.4531% | 1,352 |
| Efficiency ratio | 60.4569% | 5,476 |
| Assets per employee ($millions) | 6.4313% | 1,038 |
| Cash dividends to net income (ytd only)* | 70.3980% | 1,355 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1121% | 5,501 |
| Loan loss allowance to noncurrent loans | 79.5346% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 0.9307% | 4,176 |
| Noncurrent loans to loans | 1.3982% | 3,507 |
| Net loans and leases to total assets | 65.8254% | 2,557 |
| Net loans and leases to deposits | 81.9291% | 2,007 |
| Net loans and leases to core deposits | 87.0697% | 2,184 |
| Total domestic deposits to total assets | 80.3443% | 5,580 |
| Equity capital to assets | 10.8241% | 3,148 |
| Core capital (leverage) ratio | 9.5409% | 4,053 |
| Tier 1 risk-based capital ratio | 15.6167% | 3,369 |
| Total risk-based capital ratio | 17.3225% | 3,077 |
| Memoranda: |
| Average total assets | $372,828,000 | 1,746 |
| Average earning assets | $349,241,800 | 1,711 |
| Average equity | $38,536,200 | 1,807 |
| Average total loans | $237,728,200 | 1,728 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2380% | 4,682 |
| Cost of funding earning assets | 0.7622% | 3,255 |
| Net interest margin | 3.4758% | 4,728 |
| Noninterest income to average assets | 1.2922% | 887 |
| Noninterest expense to average assets | 2.7234% | 4,277 |
| Loan and lease loss provision to assets | 0.0947% | 4,399 |
| Net operating income to assets | 1.1829% | 1,797 |
| Return on assets (ROA) | 1.1890% | 1,957 |
| Pretax return on assets | 1.7315% | 1,200 |
| Return on Equity (ROE) | 11.6346% | 1,747 |
| Retained earnings to average equity (ytd only) | 3.9176% | 4,129 |
| Net charge-offs to loans | 0.0753% | 4,658 |
| Credit loss provision to net charge-offs | 199.2537% | 1,396 |
| Earnings coverage of net charge-offs (x) | 38.2467% | 917 |
| Efficiency ratio | 58.6412% | 5,704 |
| Assets per employee ($millions) | 6.6416% | 885 |
| Cash dividends to net income (ytd only)* | 66.3288% | 1,044 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2038% | 5,259 |
| Loan loss allowance to noncurrent loans | 94.5731% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 0.8125% | 4,672 |
| Noncurrent loans to loans | 1.2729% | 3,921 |
| Net loans and leases to total assets | 63.0621% | 3,194 |
| Net loans and leases to deposits | 79.4265% | 2,481 |
| Net loans and leases to core deposits | 84.6243% | 2,627 |
| Total domestic deposits to total assets | 79.3968% | 5,780 |
| Equity capital to assets | 10.5250% | 3,813 |
| Core capital (leverage) ratio | 9.4077% | 4,423 |
| Tier 1 risk-based capital ratio | 15.4983% | 3,532 |
| Total risk-based capital ratio | 17.2105% | 3,256 |
| Memoranda: |
| Average total assets | $375,997,500 | 1,754 |
| Average earning assets | $351,411,250 | 1,715 |
| Average equity | $38,424,500 | 1,826 |
| Average total loans | $237,226,250 | 1,744 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3000% | 4,579 |
| Cost of funding earning assets | 0.7886% | 3,288 |
| Net interest margin | 3.5113% | 4,620 |
| Noninterest income to average assets | 1.3097% | 827 |
| Noninterest expense to average assets | 2.6734% | 4,524 |
| Loan and lease loss provision to assets | 0.1426% | 3,734 |
| Net operating income to assets | 1.2158% | 1,657 |
| Return on assets (ROA) | 1.2248% | 1,820 |
| Pretax return on assets | 1.7920% | 1,060 |
| Return on Equity (ROE) | 12.1045% | 1,636 |
| Retained earnings to average equity (ytd only) | 6.4739% | 2,396 |
| Net charge-offs to loans | 0.0852% | 4,296 |
| Credit loss provision to net charge-offs | 266.3366% | 1,083 |
| Earnings coverage of net charge-offs (x) | 35.8911% | 959 |
| Efficiency ratio | 56.7078% | 6,040 |
| Assets per employee ($millions) | 6.4675% | 976 |
| Cash dividends to net income (ytd only)* | 46.5167% | 1,891 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2225% | 5,252 |
| Loan loss allowance to noncurrent loans | 107.7869% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 0.7466% | 4,930 |
| Noncurrent loans to loans | 1.1342% | 4,258 |
| Net loans and leases to total assets | 64.5388% | 2,923 |
| Net loans and leases to deposits | 79.4185% | 2,460 |
| Net loans and leases to core deposits | 85.5608% | 2,484 |
| Total domestic deposits to total assets | 81.2642% | 5,372 |
| Equity capital to assets | 10.7381% | 3,410 |
| Core capital (leverage) ratio | 9.3349% | 4,402 |
| Tier 1 risk-based capital ratio | 15.7671% | 3,293 |
| Total risk-based capital ratio | 17.4869% | 3,010 |
| Memoranda: |
| Average total assets | $377,352,670 | 1,749 |
| Average earning assets | $353,026,670 | 1,707 |
| Average equity | $38,184,000 | 1,831 |
| Average total loans | $237,166,330 | 1,737 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3324% | 4,599 |
| Cost of funding earning assets | 0.8164% | 3,339 |
| Net interest margin | 3.5160% | 4,614 |
| Noninterest income to average assets | 1.2573% | 899 |
| Noninterest expense to average assets | 2.5479% | 4,995 |
| Loan and lease loss provision to assets | 0.2109% | 2,841 |
| Net operating income to assets | 1.2230% | 1,676 |
| Return on assets (ROA) | 1.2345% | 1,825 |
| Pretax return on assets | 1.7821% | 1,114 |
| Return on Equity (ROE) | 12.5613% | 1,519 |
| Retained earnings to average equity (ytd only) | 7.2746% | 2,291 |
| Net charge-offs to loans | 0.0876% | 3,638 |
| Credit loss provision to net charge-offs | 390.3846% | 802 |
| Earnings coverage of net charge-offs (x) | 36.5769% | 804 |
| Efficiency ratio | 54.8461% | 6,250 |
| Assets per employee ($millions) | 6.8327% | 823 |
| Cash dividends to net income (ytd only)* | 42.0875% | 1,696 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2166% | 5,411 |
| Loan loss allowance to noncurrent loans | 289.6274% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.2718% | 6,211 |
| Noncurrent loans to loans | 0.4201% | 5,827 |
| Net loans and leases to total assets | 61.0307% | 3,444 |
| Net loans and leases to deposits | 75.8835% | 2,811 |
| Net loans and leases to core deposits | 82.6916% | 2,731 |
| Total domestic deposits to total assets | 80.4267% | 5,746 |
| Equity capital to assets | 9.9857% | 4,137 |
| Core capital (leverage) ratio | 8.9643% | 4,892 |
| Tier 1 risk-based capital ratio | 15.2567% | 3,580 |
| Total risk-based capital ratio | 17.2001% | 3,168 |
| Memoranda: |
| Average total assets | $384,939,500 | 1,722 |
| Average earning assets | $357,677,000 | 1,696 |
| Average equity | $37,830,500 | 1,840 |
| Average total loans | $237,430,000 | 1,740 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5843% | 4,736 |
| Cost of funding earning assets | 0.9435% | 3,762 |
| Net interest margin | 3.6409% | 4,559 |
| Noninterest income to average assets | 1.2318% | 861 |
| Noninterest expense to average assets | 2.5678% | 5,208 |
| Loan and lease loss provision to assets | 0.0878% | 5,493 |
| Net operating income to assets | 1.3595% | 1,115 |
| Return on assets (ROA) | 1.4115% | 1,084 |
| Pretax return on assets | 2.0647% | 471 |
| Return on Equity (ROE) | 15.1526% | 719 |
| Retained earnings to average equity (ytd only) | 12.3487% | 273 |
| Net charge-offs to loans | 0.1202% | 5,182 |
| Credit loss provision to net charge-offs | 117.4825% | 2,738 |
| Earnings coverage of net charge-offs (x) | 27.7902% | 891 |
| Efficiency ratio | 53.8557% | 6,526 |
| Assets per employee ($millions) | 6.5636% | 924 |
| Cash dividends to net income (ytd only)* | 18.5048% | 3,592 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1427% | 5,653 |
| Loan loss allowance to noncurrent loans | 190.6928% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.4070% | 5,954 |
| Noncurrent loans to loans | 0.5993% | 5,520 |
| Net loans and leases to total assets | 60.8749% | 3,815 |
| Net loans and leases to deposits | 77.0114% | 2,999 |
| Net loans and leases to core deposits | 82.7909% | 3,060 |
| Total domestic deposits to total assets | 79.0466% | 5,988 |
| Equity capital to assets | 9.6715% | 4,645 |
| Core capital (leverage) ratio | 8.5384% | 5,497 |
| Tier 1 risk-based capital ratio | 13.9160% | 4,384 |
| Total risk-based capital ratio | 15.7420% | 3,961 |
| Memoranda: |
| Average total assets | $382,857,600 | 1,687 |
| Average earning assets | $358,788,200 | 1,652 |
| Average equity | $35,663,800 | 1,900 |
| Average total loans | $237,993,600 | 1,763 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5736% | 4,985 |
| Cost of funding earning assets | 0.9576% | 3,982 |
| Net interest margin | 3.6160% | 4,703 |
| Noninterest income to average assets | 1.2657% | 807 |
| Noninterest expense to average assets | 2.5722% | 5,191 |
| Loan and lease loss provision to assets | 0.0293% | 6,072 |
| Net operating income to assets | 1.4170% | 1,125 |
| Return on assets (ROA) | 1.4253% | 1,175 |
| Pretax return on assets | 2.0896% | 529 |
| Return on Equity (ROE) | 15.4507% | 754 |
| Retained earnings to average equity (ytd only) | 15.4507% | 203 |
| Net charge-offs to loans | 0.0135% | 5,962 |
| Credit loss provision to net charge-offs | 350.0000% | 806 |
| Earnings coverage of net charge-offs (x) | 251.3272% | 159 |
| Efficiency ratio | 53.5418% | 6,540 |
| Assets per employee ($millions) | 6.6334% | 887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1523% | 5,671 |
| Loan loss allowance to noncurrent loans | 186.3079% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.4346% | 6,000 |
| Noncurrent loans to loans | 0.6185% | 5,652 |
| Net loans and leases to total assets | 59.9483% | 4,139 |
| Net loans and leases to deposits | 77.2356% | 3,129 |
| Net loans and leases to core deposits | 82.3269% | 3,277 |
| Total domestic deposits to total assets | 77.6175% | 6,273 |
| Equity capital to assets | 9.6192% | 4,907 |
| Core capital (leverage) ratio | 8.5944% | 5,562 |
| Tier 1 risk-based capital ratio | 14.4553% | 4,006 |
| Total risk-based capital ratio | 16.3808% | 3,557 |
| Memoranda: |
| Average total assets | $381,759,500 | 1,705 |
| Average earning assets | $360,352,500 | 1,646 |
| Average equity | $35,216,500 | 1,916 |
| Average total loans | $237,876,250 | 1,772 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6262% | 4,862 |
| Cost of funding earning assets | 0.9921% | 3,999 |
| Net interest margin | 3.6342% | 4,585 |
| Noninterest income to average assets | 1.2685% | 780 |
| Noninterest expense to average assets | 2.5687% | 5,293 |
| Loan and lease loss provision to assets | -0.0122% | 7,371 |
| Net operating income to assets | 1.4567% | 963 |
| Return on assets (ROA) | 1.4693% | 1,008 |
| Pretax return on assets | 2.1561% | 440 |
| Return on Equity (ROE) | 16.1656% | 653 |
| Retained earnings to average equity (ytd only) | 16.1656% | 198 |
| Net charge-offs to loans | -0.0378% | 6,984 |
| Credit loss provision to net charge-offs | 51.1111% | 4,554 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2808% | 6,686 |
| Assets per employee ($millions) | 6.2228% | 1,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1182% | 5,882 |
| Loan loss allowance to noncurrent loans | 156.2572% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.5338% | 5,848 |
| Noncurrent loans to loans | 0.7156% | 5,477 |
| Net loans and leases to total assets | 63.8746% | 3,497 |
| Net loans and leases to deposits | 80.0991% | 2,773 |
| Net loans and leases to core deposits | 85.6496% | 2,966 |
| Total domestic deposits to total assets | 79.7444% | 5,893 |
| Equity capital to assets | 9.6869% | 4,553 |
| Core capital (leverage) ratio | 8.3399% | 5,807 |
| Tier 1 risk-based capital ratio | 13.8488% | 4,272 |
| Total risk-based capital ratio | 15.7613% | 3,756 |
| Memoranda: |
| Average total assets | $378,555,330 | 1,731 |
| Average earning assets | $356,834,330 | 1,674 |
| Average equity | $34,406,330 | 1,938 |
| Average total loans | $238,049,670 | 1,792 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5783% | 5,038 |
| Cost of funding earning assets | 1.0314% | 3,983 |
| Net interest margin | 3.5469% | 4,824 |
| Noninterest income to average assets | 1.3003% | 758 |
| Noninterest expense to average assets | 2.6499% | 5,039 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3582% | 1,138 |
| Return on assets (ROA) | 1.3832% | 1,139 |
| Pretax return on assets | 2.0255% | 535 |
| Return on Equity (ROE) | 15.7253% | 707 |
| Retained earnings to average equity (ytd only) | 15.7253% | 334 |
| Net charge-offs to loans | 0.0930% | 4,011 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 34.4545% | 753 |
| Efficiency ratio | 55.6787% | 6,537 |
| Assets per employee ($millions) | 6.2239% | 1,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1167% | 5,984 |
| Loan loss allowance to noncurrent loans | 139.6588% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.5739% | 5,825 |
| Noncurrent loans to loans | 0.7996% | 5,433 |
| Net loans and leases to total assets | 62.1293% | 3,825 |
| Net loans and leases to deposits | 77.2054% | 3,214 |
| Net loans and leases to core deposits | 83.5154% | 3,230 |
| Total domestic deposits to total assets | 80.4727% | 5,821 |
| Equity capital to assets | 9.1543% | 4,948 |
| Core capital (leverage) ratio | 7.8424% | 6,427 |
| Tier 1 risk-based capital ratio | 13.4391% | 4,469 |
| Total risk-based capital ratio | 15.5774% | 3,812 |
| Memoranda: |
| Average total assets | $381,148,500 | 1,726 |
| Average earning assets | $358,735,500 | 1,679 |
| Average equity | $33,525,500 | 1,965 |
| Average total loans | $236,482,000 | 1,818 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7426% | 5,644 |
| Cost of funding earning assets | 1.3519% | 3,558 |
| Net interest margin | 3.3907% | 5,671 |
| Noninterest income to average assets | 1.2207% | 1,009 |
| Noninterest expense to average assets | 2.5058% | 5,770 |
| Loan and lease loss provision to assets | 0.1893% | 5,339 |
| Net operating income to assets | 1.1799% | 1,462 |
| Return on assets (ROA) | 1.2268% | 1,427 |
| Pretax return on assets | 1.8025% | 759 |
| Return on Equity (ROE) | 15.6494% | 626 |
| Retained earnings to average equity (ytd only) | 6.6352% | 1,492 |
| Net charge-offs to loans | 0.2027% | 5,075 |
| Credit loss provision to net charge-offs | 149.1054% | 2,437 |
| Earnings coverage of net charge-offs (x) | 15.1471% | 1,295 |
| Efficiency ratio | 55.1231% | 6,699 |
| Assets per employee ($millions) | 6.3749% | 1,008 |
| Cash dividends to net income (ytd only)* | 57.6013% | 1,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1224% | 5,864 |
| Loan loss allowance to noncurrent loans | 156.5243% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.4886% | 6,051 |
| Noncurrent loans to loans | 0.7171% | 5,612 |
| Net loans and leases to total assets | 60.6016% | 4,565 |
| Net loans and leases to deposits | 75.1404% | 3,996 |
| Net loans and leases to core deposits | 82.4155% | 3,837 |
| Total domestic deposits to total assets | 80.6512% | 5,642 |
| Equity capital to assets | 8.4518% | 5,920 |
| Core capital (leverage) ratio | 7.1952% | 6,911 |
| Tier 1 risk-based capital ratio | 12.2963% | 5,211 |
| Total risk-based capital ratio | 14.3748% | 4,465 |
| Memoranda: |
| Average total assets | $396,237,000 | 1,667 |
| Average earning assets | $374,876,400 | 1,605 |
| Average equity | $31,061,800 | 2,111 |
| Average total loans | $248,204,200 | 1,774 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7743% | 5,763 |
| Cost of funding earning assets | 1.4222% | 3,442 |
| Net interest margin | 3.3521% | 5,838 |
| Noninterest income to average assets | 1.2081% | 950 |
| Noninterest expense to average assets | 2.4768% | 5,798 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.3106% | 1,315 |
| Return on assets (ROA) | 1.3592% | 1,277 |
| Pretax return on assets | 1.9815% | 643 |
| Return on Equity (ROE) | 17.6753% | 503 |
| Retained earnings to average equity (ytd only) | 5.4794% | 2,664 |
| Net charge-offs to loans | 0.1378% | 5,197 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 22.0312% | 1,110 |
| Efficiency ratio | 54.9805% | 6,688 |
| Assets per employee ($millions) | 6.4435% | 999 |
| Cash dividends to net income (ytd only)* | 68.9995% | 933 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8721% | 6,830 |
| Loan loss allowance to noncurrent loans | 183.4886% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.3050% | 6,622 |
| Noncurrent loans to loans | 0.4753% | 6,242 |
| Net loans and leases to total assets | 62.6699% | 4,391 |
| Net loans and leases to deposits | 79.3609% | 3,565 |
| Net loans and leases to core deposits | 85.4655% | 3,732 |
| Total domestic deposits to total assets | 78.9682% | 6,027 |
| Equity capital to assets | 8.3098% | 6,493 |
| Core capital (leverage) ratio | 6.8204% | 7,244 |
| Tier 1 risk-based capital ratio | 11.8258% | 5,612 |
| Total risk-based capital ratio | 13.6645% | 5,033 |
| Memoranda: |
| Average total assets | $398,079,750 | 1,682 |
| Average earning assets | $377,626,750 | 1,615 |
| Average equity | $30,610,750 | 2,155 |
| Average total loans | $250,671,750 | 1,782 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8086% | 5,766 |
| Cost of funding earning assets | 1.4949% | 3,279 |
| Net interest margin | 3.3137% | 5,965 |
| Noninterest income to average assets | 1.1417% | 1,000 |
| Noninterest expense to average assets | 2.4520% | 5,906 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.2582% | 1,406 |
| Return on assets (ROA) | 1.2713% | 1,443 |
| Pretax return on assets | 1.8526% | 811 |
| Return on Equity (ROE) | 16.9813% | 570 |
| Retained earnings to average equity (ytd only) | -1.7309% | 6,105 |
| Net charge-offs to loans | 0.0398% | 5,814 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 73.3000% | 434 |
| Efficiency ratio | 55.7203% | 6,672 |
| Assets per employee ($millions) | 6.4757% | 961 |
| Cash dividends to net income (ytd only)* | 110.1928% | 367 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9670% | 6,536 |
| Loan loss allowance to noncurrent loans | 175.6837% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.3471% | 6,552 |
| Noncurrent loans to loans | 0.5504% | 6,149 |
| Net loans and leases to total assets | 61.6230% | 4,759 |
| Net loans and leases to deposits | 78.4128% | 3,899 |
| Net loans and leases to core deposits | 84.8619% | 4,011 |
| Total domestic deposits to total assets | 78.5879% | 6,135 |
| Equity capital to assets | 8.0153% | 6,746 |
| Core capital (leverage) ratio | 6.4063% | 7,403 |
| Tier 1 risk-based capital ratio | 11.2498% | 5,997 |
| Total risk-based capital ratio | 13.2030% | 5,318 |
| Memoranda: |
| Average total assets | $399,755,330 | 1,691 |
| Average earning assets | $379,278,670 | 1,629 |
| Average equity | $29,927,000 | 2,192 |
| Average total loans | $251,398,000 | 1,805 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8044% | 5,878 |
| Cost of funding earning assets | 1.5408% | 3,325 |
| Net interest margin | 3.2636% | 6,081 |
| Noninterest income to average assets | 1.1469% | 947 |
| Noninterest expense to average assets | 2.4948% | 5,747 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2076% | 1,523 |
| Return on assets (ROA) | 1.2076% | 1,594 |
| Pretax return on assets | 1.7537% | 967 |
| Return on Equity (ROE) | 16.7105% | 632 |
| Retained earnings to average equity (ytd only) | -21.8311% | 7,412 |
| Net charge-offs to loans | 0.0252% | 5,221 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 110.1875% | 297 |
| Efficiency ratio | 57.2231% | 6,600 |
| Assets per employee ($millions) | 6.4879% | 999 |
| Cash dividends to net income (ytd only)* | 230.6425% | 147 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9548% | 6,652 |
| Loan loss allowance to noncurrent loans | 187.5583% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.3197% | 6,677 |
| Noncurrent loans to loans | 0.5090% | 6,275 |
| Net loans and leases to total assets | 62.2042% | 4,719 |
| Net loans and leases to deposits | 80.2356% | 3,616 |
| Net loans and leases to core deposits | 86.7433% | 3,798 |
| Total domestic deposits to total assets | 77.5270% | 6,444 |
| Equity capital to assets | 7.0528% | 7,345 |
| Core capital (leverage) ratio | 5.6749% | 7,627 |
| Tier 1 risk-based capital ratio | 9.7007% | 7,211 |
| Total risk-based capital ratio | 11.8168% | 6,566 |
| Memoranda: |
| Average total assets | $402,123,000 | 1,717 |
| Average earning assets | $382,151,500 | 1,660 |
| Average equity | $29,059,500 | 2,286 |
| Average total loans | $254,197,000 | 1,839 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2175% | 5,571 |
| Cost of funding earning assets | 1.9530% | 3,198 |
| Net interest margin | 3.2646% | 5,875 |
| Noninterest income to average assets | 1.2925% | 897 |
| Noninterest expense to average assets | 2.5608% | 5,920 |
| Loan and lease loss provision to assets | 0.0772% | 6,822 |
| Net operating income to assets | 1.1840% | 1,292 |
| Return on assets (ROA) | 1.2197% | 1,249 |
| Pretax return on assets | 1.7895% | 651 |
| Return on Equity (ROE) | 16.2331% | 533 |
| Retained earnings to average equity (ytd only) | 2.3601% | 3,464 |
| Net charge-offs to loans | 0.1242% | 5,948 |
| Credit loss provision to net charge-offs | 93.1677% | 5,888 |
| Earnings coverage of net charge-offs (x) | 21.8913% | 982 |
| Efficiency ratio | 57.0269% | 6,887 |
| Assets per employee ($millions) | 6.3809% | 1,034 |
| Cash dividends to net income (ytd only)* | 85.4611% | 989 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9493% | 6,635 |
| Loan loss allowance to noncurrent loans | 205.5885% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.2938% | 6,712 |
| Noncurrent loans to loans | 0.4618% | 6,339 |
| Net loans and leases to total assets | 63.0199% | 4,801 |
| Net loans and leases to deposits | 81.1707% | 3,771 |
| Net loans and leases to core deposits | 103.3771% | 3,641 |
| Total domestic deposits to total assets | 77.6388% | 6,313 |
| Equity capital to assets | 7.4003% | 7,120 |
| Core capital (leverage) ratio | 6.0738% | 7,621 |
| Tier 1 risk-based capital ratio | 10.1593% | 6,725 |
| Total risk-based capital ratio | 12.2414% | 5,894 |
| Memoranda: |
| Average total assets | $388,544,000 | 1,766 |
| Average earning assets | $366,880,400 | 1,715 |
| Average equity | $29,193,400 | 2,283 |
| Average total loans | $259,360,400 | 1,838 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2907% | 5,478 |
| Cost of funding earning assets | 2.0168% | 3,271 |
| Net interest margin | 3.2739% | 5,734 |
| Noninterest income to average assets | 1.3462% | 840 |
| Noninterest expense to average assets | 2.5868% | 5,760 |
| Loan and lease loss provision to assets | 0.1038% | 6,335 |
| Net operating income to assets | 1.1840% | 1,503 |
| Return on assets (ROA) | 1.2153% | 1,488 |
| Pretax return on assets | 1.7892% | 817 |
| Return on Equity (ROE) | 16.1119% | 640 |
| Retained earnings to average equity (ytd only) | 1.8861% | 4,270 |
| Net charge-offs to loans | 0.1142% | 5,537 |
| Credit loss provision to net charge-offs | 134.5291% | 3,698 |
| Earnings coverage of net charge-offs (x) | 23.9279% | 1,102 |
| Efficiency ratio | 56.8428% | 6,889 |
| Assets per employee ($millions) | 6.3097% | 1,072 |
| Cash dividends to net income (ytd only)* | 88.2939% | 773 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9944% | 6,333 |
| Loan loss allowance to noncurrent loans | 310.0613% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.2088% | 6,998 |
| Noncurrent loans to loans | 0.3207% | 6,715 |
| Net loans and leases to total assets | 63.2963% | 5,019 |
| Net loans and leases to deposits | 83.9037% | 3,664 |
| Net loans and leases to core deposits | 107.4853% | 3,536 |
| Total domestic deposits to total assets | 75.4392% | 6,689 |
| Equity capital to assets | 7.4959% | 7,299 |
| Core capital (leverage) ratio | 6.0489% | 7,791 |
| Tier 1 risk-based capital ratio | 10.0362% | 6,942 |
| Total risk-based capital ratio | 12.1643% | 5,998 |
| Memoranda: |
| Average total assets | $385,181,250 | 1,787 |
| Average earning assets | $363,267,000 | 1,742 |
| Average equity | $29,054,500 | 2,320 |
| Average total loans | $260,259,250 | 1,853 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4009% | 5,147 |
| Cost of funding earning assets | 2.0829% | 3,348 |
| Net interest margin | 3.3180% | 5,483 |
| Noninterest income to average assets | 1.4716% | 679 |
| Noninterest expense to average assets | 2.6095% | 5,707 |
| Loan and lease loss provision to assets | 0.1575% | 5,495 |
| Net operating income to assets | 1.2329% | 1,397 |
| Return on assets (ROA) | 1.2664% | 1,392 |
| Pretax return on assets | 1.8684% | 743 |
| Return on Equity (ROE) | 16.7529% | 606 |
| Retained earnings to average equity (ytd only) | 1.8259% | 4,326 |
| Net charge-offs to loans | 0.1060% | 5,103 |
| Credit loss provision to net charge-offs | 215.8273% | 2,130 |
| Earnings coverage of net charge-offs (x) | 27.0935% | 1,064 |
| Efficiency ratio | 55.4360% | 7,174 |
| Assets per employee ($millions) | 6.2284% | 1,083 |
| Cash dividends to net income (ytd only)* | 89.1007% | 899 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0036% | 6,213 |
| Loan loss allowance to noncurrent loans | 425.0814% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.1603% | 7,157 |
| Noncurrent loans to loans | 0.2361% | 6,924 |
| Net loans and leases to total assets | 65.6134% | 4,644 |
| Net loans and leases to deposits | 85.1681% | 3,701 |
| Net loans and leases to core deposits | 110.2032% | 3,353 |
| Total domestic deposits to total assets | 77.0398% | 6,319 |
| Equity capital to assets | 7.3896% | 7,356 |
| Core capital (leverage) ratio | 6.0509% | 7,912 |
| Tier 1 risk-based capital ratio | 9.7015% | 7,231 |
| Total risk-based capital ratio | 11.8099% | 6,270 |
| Memoranda: |
| Average total assets | $381,072,330 | 1,822 |
| Average earning assets | $357,681,330 | 1,788 |
| Average equity | $28,807,000 | 2,351 |
| Average total loans | $262,300,670 | 1,873 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5331% | 4,736 |
| Cost of funding earning assets | 2.1280% | 3,522 |
| Net interest margin | 3.4051% | 5,120 |
| Noninterest income to average assets | 1.4864% | 638 |
| Noninterest expense to average assets | 2.5508% | 5,646 |
| Loan and lease loss provision to assets | 0.1598% | 4,890 |
| Net operating income to assets | 1.3372% | 1,299 |
| Return on assets (ROA) | 1.3372% | 1,395 |
| Pretax return on assets | 1.9775% | 692 |
| Return on Equity (ROE) | 17.4837% | 639 |
| Retained earnings to average equity (ytd only) | 3.5525% | 3,920 |
| Net charge-offs to loans | 0.1686% | 3,619 |
| Credit loss provision to net charge-offs | 135.1351% | 2,998 |
| Earnings coverage of net charge-offs (x) | 18.0721% | 1,475 |
| Efficiency ratio | 52.9545% | 7,318 |
| Assets per employee ($millions) | 6.0582% | 1,162 |
| Cash dividends to net income (ytd only)* | 79.6813% | 1,073 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9367% | 6,572 |
| Loan loss allowance to noncurrent loans | 311.2549% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.2032% | 6,915 |
| Noncurrent loans to loans | 0.3009% | 6,687 |
| Net loans and leases to total assets | 65.6282% | 4,661 |
| Net loans and leases to deposits | 85.1923% | 3,777 |
| Net loans and leases to core deposits | 110.6432% | 3,352 |
| Total domestic deposits to total assets | 77.0354% | 6,271 |
| Equity capital to assets | 7.5041% | 7,351 |
| Core capital (leverage) ratio | 6.3515% | 7,925 |
| Tier 1 risk-based capital ratio | 9.9483% | 6,986 |
| Total risk-based capital ratio | 12.0635% | 5,984 |
| Memoranda: |
| Average total assets | $375,414,500 | 1,861 |
| Average earning assets | $353,000,000 | 1,815 |
| Average equity | $28,712,500 | 2,370 |
| Average total loans | $263,416,500 | 1,879 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8269% | 6,349 |
| Cost of funding earning assets | 2.3270% | 5,026 |
| Net interest margin | 3.4999% | 5,296 |
| Noninterest income to average assets | 1.0813% | 1,348 |
| Noninterest expense to average assets | 2.2716% | 6,781 |
| Loan and lease loss provision to assets | 0.3497% | 3,600 |
| Net operating income to assets | 1.1591% | 1,913 |
| Return on assets (ROA) | 1.1893% | 1,735 |
| Pretax return on assets | 1.7676% | 1,004 |
| Return on Equity (ROE) | 16.3391% | 723 |
| Retained earnings to average equity (ytd only) | 6.8037% | 1,220 |
| Net charge-offs to loans | 0.0879% | 5,487 |
| Credit loss provision to net charge-offs | 585.2018% | 746 |
| Earnings coverage of net charge-offs (x) | 34.6771% | 1,051 |
| Efficiency ratio | 50.7156% | 7,612 |
| Assets per employee ($millions) | 5.7636% | 1,285 |
| Cash dividends to net income (ytd only)* | 58.3596% | 2,742 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8738% | 6,797 |
| Loan loss allowance to noncurrent loans | 403.2479% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.1677% | 6,898 |
| Noncurrent loans to loans | 0.2167% | 6,744 |
| Net loans and leases to total assets | 73.7009% | 3,183 |
| Net loans and leases to deposits | 97.9295% | 2,138 |
| Net loans and leases to core deposits | 124.3116% | 2,301 |
| Total domestic deposits to total assets | 75.2591% | 6,389 |
| Equity capital to assets | 7.8021% | 7,090 |
| Core capital (leverage) ratio | 6.3856% | 7,968 |
| Tier 1 risk-based capital ratio | 9.7743% | 6,980 |
| Total risk-based capital ratio | 11.8631% | 5,987 |
| Memoranda: |
| Average total assets | $373,170,000 | 1,805 |
| Average earning assets | $347,867,400 | 1,776 |
| Average equity | $27,161,800 | 2,463 |
| Average total loans | $253,734,600 | 1,881 |
