| 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 | 5.2671% | 2,589 |
| Cost of funding earning assets | 1.5551% | 3,064 |
| Net interest margin | 3.7121% | 1,854 |
| Noninterest income to average assets | 0.4400% | 2,021 |
| Noninterest expense to average assets | 2.4112% | 2,549 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.4549% | 1,171 |
| Return on assets (ROA) | 1.4703% | 1,139 |
| Pretax return on assets | 1.5313% | 1,448 |
| Return on Equity (ROE) | 10.5700% | 2,153 |
| Retained earnings to average equity (ytd only) | 5.5532% | 2,404 |
| Net charge-offs to loans | -0.1170% | 4,400 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 61.4074% | 2,783 |
| Assets per employee ($millions) | 6.2941% | 2,722 |
| Cash dividends to net income (ytd only)* | 47.4777% | 1,291 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9865% | 399 |
| 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 | 76.8100% | 975 |
| Net loans and leases to deposits | 96.2292% | 604 |
| Net loans and leases to core deposits | 99.7444% | 1,392 |
| Total domestic deposits to total assets | 79.8200% | 3,620 |
| Equity capital to assets | 13.9539% | 707 |
| Core capital (leverage) ratio | 13.0945% | 1,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: |
| Average total assets | $275,051,500 | 2,601 |
| Average earning assets | $258,508,000 | 2,585 |
| Average equity | $38,248,500 | 2,096 |
| Average total loans | $215,458,000 | 2,310 |
| 2024-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0935% | 2,928 |
| Cost of funding earning assets | 1.7437% | 2,862 |
| Net interest margin | 3.3499% | 2,393 |
| Noninterest income to average assets | 0.4900% | 1,987 |
| Noninterest expense to average assets | 2.5491% | 2,162 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.0249% | 1,973 |
| Return on assets (ROA) | 1.0310% | 1,951 |
| Pretax return on assets | 1.0778% | 2,305 |
| Return on Equity (ROE) | 7.5700% | 2,872 |
| Retained earnings to average equity (ytd only) | 5.2950% | 2,108 |
| Net charge-offs to loans | -0.0619% | 4,363 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 70.4071% | 1,935 |
| Assets per employee ($millions) | 6.2083% | 2,718 |
| Cash dividends to net income (ytd only)* | 30.0073% | 2,577 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9860% | 378 |
| 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 | 76.7500% | 1,046 |
| Net loans and leases to deposits | 99.4210% | 516 |
| Net loans and leases to core deposits | 103.0656% | 1,266 |
| Total domestic deposits to total assets | 77.2000% | 3,858 |
| Equity capital to assets | 13.8573% | 702 |
| Core capital (leverage) ratio | 12.9979% | 1,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: |
| Average total assets | $267,314,000 | 2,612 |
| Average earning assets | $249,472,600 | 2,597 |
| Average equity | $36,430,600 | 2,117 |
| Average total loans | $208,525,800 | 2,306 |
| 2024-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0538% | 2,949 |
| Cost of funding earning assets | 1.7608% | 2,816 |
| Net interest margin | 3.2930% | 2,462 |
| Noninterest income to average assets | 0.4600% | 2,078 |
| Noninterest expense to average assets | 2.5402% | 2,120 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.9467% | 2,224 |
| Return on assets (ROA) | 0.9549% | 2,205 |
| Pretax return on assets | 0.9980% | 2,557 |
| Return on Equity (ROE) | 7.0400% | 3,027 |
| Retained earnings to average equity (ytd only) | 4.1912% | 2,772 |
| Net charge-offs to loans | -0.0476% | 4,332 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 71.9665% | 1,789 |
| Assets per employee ($millions) | 6.0306% | 2,846 |
| Cash dividends to net income (ytd only)* | 40.4412% | 1,736 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0007% | 386 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 75.6800% | 1,170 |
| Net loans and leases to deposits | 97.3024% | 630 |
| Net loans and leases to core deposits | 101.2118% | 1,409 |
| Total domestic deposits to total assets | 77.7800% | 3,754 |
| Equity capital to assets | 13.7879% | 778 |
| Core capital (leverage) ratio | 12.9502% | 1,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: |
| Average total assets | $265,851,750 | 2,614 |
| Average earning assets | $247,753,500 | 2,601 |
| Average equity | $36,075,000 | 2,129 |
| Average total loans | $207,182,250 | 2,303 |
| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9544% | 3,025 |
| Cost of funding earning assets | 1.7824% | 2,666 |
| Net interest margin | 3.1720% | 2,688 |
| Noninterest income to average assets | 0.4800% | 1,948 |
| Noninterest expense to average assets | 2.5840% | 2,001 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.8232% | 2,551 |
| Return on assets (ROA) | 0.8363% | 2,523 |
| Pretax return on assets | 0.8742% | 2,817 |
| Return on Equity (ROE) | 6.2000% | 3,221 |
| Retained earnings to average equity (ytd only) | 2.7170% | 3,119 |
| Net charge-offs to loans | 0.1463% | 680 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 7.5232% | 2,099 |
| Efficiency ratio | 75.0165% | 1,552 |
| Assets per employee ($millions) | 5.7950% | 2,975 |
| Cash dividends to net income (ytd only)* | 56.1594% | 1,256 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9048% | 467 |
| Loan loss allowance to noncurrent loans | 8,266.6667% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0180% | 3,610 |
| Noncurrent loans to loans | 0.0230% | 3,606 |
| Net loans and leases to total assets | 76.6600% | 1,094 |
| Net loans and leases to deposits | 93.0042% | 1,036 |
| Net loans and leases to core deposits | 96.4296% | 1,710 |
| Total domestic deposits to total assets | 82.4200% | 2,991 |
| Equity capital to assets | 13.4674% | 778 |
| Core capital (leverage) ratio | 12.8467% | 1,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: |
| Average total assets | $264,010,667 | 2,619 |
| Average earning assets | $246,970,000 | 2,605 |
| Average equity | $35,627,667 | 2,115 |
| Average total loans | $206,383,333 | 2,305 |
| 2024-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8426% | 3,084 |
| Cost of funding earning assets | 1.7264% | 2,702 |
| Net interest margin | 3.1162% | 2,753 |
| Noninterest income to average assets | 0.5000% | 1,781 |
| Noninterest expense to average assets | 2.5897% | 1,996 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.7928% | 2,564 |
| Return on assets (ROA) | 0.8191% | 2,501 |
| Pretax return on assets | 0.8556% | 2,790 |
| Return on Equity (ROE) | 6.0600% | 3,199 |
| Retained earnings to average equity (ytd only) | 0.7664% | 3,550 |
| Net charge-offs to loans | 0.3349% | 273 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 3.1628% | 1,952 |
| Efficiency ratio | 75.7684% | 1,571 |
| Assets per employee ($millions) | 5.8827% | 2,931 |
| Cash dividends to net income (ytd only)* | 87.3606% | 636 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9406% | 425 |
| Loan loss allowance to noncurrent loans | 8,055.1020% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0189% | 3,632 |
| Noncurrent loans to loans | 0.0241% | 3,612 |
| Net loans and leases to total assets | 77.0500% | 948 |
| Net loans and leases to deposits | 92.3866% | 1,002 |
| Net loans and leases to core deposits | 99.1879% | 1,464 |
| Total domestic deposits to total assets | 83.4000% | 2,886 |
| Equity capital to assets | 13.7047% | 721 |
| Core capital (leverage) ratio | 12.9215% | 1,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: |
| Average total assets | $262,731,500 | 2,632 |
| Average earning assets | $246,065,000 | 2,616 |
| Average equity | $35,491,500 | 2,115 |
| Average total loans | $205,418,500 | 2,303 |
| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5419% | 3,024 |
| Cost of funding earning assets | 1.2572% | 2,636 |
| Net interest margin | 3.2847% | 2,670 |
| Noninterest income to average assets | 0.5800% | 1,611 |
| Noninterest expense to average assets | 2.5983% | 2,006 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0025% | 2,216 |
| Return on assets (ROA) | 0.9709% | 2,292 |
| Pretax return on assets | 1.0116% | 2,649 |
| Return on Equity (ROE) | 7.4000% | 3,187 |
| Retained earnings to average equity (ytd only) | 4.8424% | 2,653 |
| Net charge-offs to loans | -0.0626% | 4,419 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 71.3267% | 1,724 |
| Assets per employee ($millions) | 5.9250% | 2,884 |
| Cash dividends to net income (ytd only)* | 34.5309% | 2,366 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9856% | 380 |
| Loan loss allowance to noncurrent loans | 8,076.4706% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 3,539 |
| Noncurrent loans to loans | 0.0246% | 3,570 |
| Net loans and leases to total assets | 76.2600% | 1,084 |
| Net loans and leases to deposits | 95.7409% | 811 |
| Net loans and leases to core deposits | 101.8535% | 1,338 |
| Total domestic deposits to total assets | 79.6500% | 3,518 |
| Equity capital to assets | 13.3183% | 795 |
| Core capital (leverage) ratio | 12.8098% | 1,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $258,018,000 | 2,632 |
| Average earning assets | $240,934,200 | 2,624 |
| Average equity | $33,867,800 | 2,100 |
| Average total loans | $198,040,600 | 2,294 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4492% | 3,007 |
| Cost of funding earning assets | 1.1046% | 2,726 |
| Net interest margin | 3.3446% | 2,584 |
| Noninterest income to average assets | 0.6300% | 1,403 |
| Noninterest expense to average assets | 2.5935% | 1,969 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1138% | 2,010 |
| Return on assets (ROA) | 1.1063% | 2,015 |
| Pretax return on assets | 1.1516% | 2,413 |
| Return on Equity (ROE) | 8.4600% | 3,072 |
| Retained earnings to average equity (ytd only) | 5.0531% | 2,915 |
| Net charge-offs to loans | -0.0756% | 4,448 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 69.1058% | 1,887 |
| Assets per employee ($millions) | 5.8587% | 2,881 |
| Cash dividends to net income (ytd only)* | 40.2732% | 1,644 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0045% | 383 |
| Loan loss allowance to noncurrent loans | 7,896.1538% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.0254% | 3,557 |
| Noncurrent loans to loans | 0.0254% | 3,588 |
| Net loans and leases to total assets | 76.1400% | 1,104 |
| Net loans and leases to deposits | 101.6421% | 446 |
| Net loans and leases to core deposits | 104.2336% | 1,111 |
| Total domestic deposits to total assets | 74.9100% | 4,094 |
| Equity capital to assets | 12.7610% | 861 |
| Core capital (leverage) ratio | 12.8171% | 1,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $255,866,250 | 2,651 |
| Average earning assets | $239,106,750 | 2,637 |
| Average equity | $33,457,250 | 2,104 |
| Average total loans | $195,690,000 | 2,317 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3455% | 3,007 |
| Cost of funding earning assets | 0.8765% | 3,005 |
| Net interest margin | 3.4690% | 2,345 |
| Noninterest income to average assets | 0.7200% | 1,058 |
| Noninterest expense to average assets | 2.6035% | 1,922 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3088% | 1,547 |
| Return on assets (ROA) | 1.2974% | 1,564 |
| Pretax return on assets | 1.3472% | 1,949 |
| Return on Equity (ROE) | 9.8400% | 2,758 |
| Retained earnings to average equity (ytd only) | 5.6176% | 2,749 |
| Net charge-offs to loans | -0.0768% | 4,475 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.7035% | 2,276 |
| Assets per employee ($millions) | 5.6852% | 2,991 |
| Cash dividends to net income (ytd only)* | 42.9093% | 1,582 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0618% | 375 |
| Loan loss allowance to noncurrent loans | 7,688.6792% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 3,618 |
| Noncurrent loans to loans | 0.0268% | 3,564 |
| Net loans and leases to total assets | 75.6600% | 1,091 |
| Net loans and leases to deposits | 97.0611% | 666 |
| Net loans and leases to core deposits | 99.4953% | 1,263 |
| Total domestic deposits to total assets | 77.9500% | 3,853 |
| Equity capital to assets | 13.2497% | 761 |
| Core capital (leverage) ratio | 13.0227% | 1,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $253,275,000 | 2,673 |
| Average earning assets | $236,841,333 | 2,661 |
| Average equity | $33,395,333 | 2,125 |
| Average total loans | $192,641,000 | 2,335 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2146% | 3,008 |
| Cost of funding earning assets | 0.7174% | 2,998 |
| Net interest margin | 3.4972% | 2,374 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.6238% | 1,885 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0485% | 2,391 |
| Return on assets (ROA) | 1.0349% | 2,388 |
| Pretax return on assets | 1.0873% | 2,743 |
| Return on Equity (ROE) | 7.8700% | 3,319 |
| Retained earnings to average equity (ytd only) | 2.4982% | 3,605 |
| Net charge-offs to loans | -0.1199% | 4,534 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.4303% | 1,708 |
| Assets per employee ($millions) | 5.5267% | 3,193 |
| Cash dividends to net income (ytd only)* | 68.2515% | 808 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1561% | 340 |
| Loan loss allowance to noncurrent loans | 7,378.1818% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0221% | 3,587 |
| Noncurrent loans to loans | 0.0292% | 3,550 |
| Net loans and leases to total assets | 74.0400% | 1,200 |
| Net loans and leases to deposits | 86.1975% | 1,338 |
| Net loans and leases to core deposits | 87.9643% | 1,746 |
| Total domestic deposits to total assets | 85.9000% | 2,623 |
| Equity capital to assets | 13.4873% | 674 |
| Core capital (leverage) ratio | 12.9222% | 1,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $251,996,500 | 2,718 |
| Average earning assets | $235,846,500 | 2,696 |
| Average equity | $33,144,500 | 2,161 |
| Average total loans | $190,139,000 | 2,372 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8618% | 2,090 |
| Cost of funding earning assets | 0.2926% | 2,940 |
| Net interest margin | 3.5692% | 1,732 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 2.5886% | 1,858 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1803% | 1,859 |
| Return on assets (ROA) | 1.1670% | 1,841 |
| Pretax return on assets | 1.2275% | 2,348 |
| Return on Equity (ROE) | 8.7700% | 3,182 |
| Retained earnings to average equity (ytd only) | 4.4183% | 3,262 |
| Net charge-offs to loans | -0.0546% | 4,371 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.5844% | 2,010 |
| Assets per employee ($millions) | 5.5498% | 3,166 |
| Cash dividends to net income (ytd only)* | 49.5941% | 1,410 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0831% | 374 |
| Loan loss allowance to noncurrent loans | 7,019.2982% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0223% | 3,617 |
| Noncurrent loans to loans | 0.0297% | 3,580 |
| Net loans and leases to total assets | 73.6700% | 1,251 |
| Net loans and leases to deposits | 93.1940% | 833 |
| Net loans and leases to core deposits | 95.3098% | 1,238 |
| Total domestic deposits to total assets | 79.0500% | 4,000 |
| Equity capital to assets | 12.8268% | 735 |
| Core capital (leverage) ratio | 12.7848% | 1,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $242,760,600 | 2,769 |
| Average earning assets | $227,616,600 | 2,752 |
| Average equity | $32,320,000 | 2,227 |
| Average total loans | $179,326,600 | 2,380 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7643% | 1,852 |
| Cost of funding earning assets | 0.2161% | 3,078 |
| Net interest margin | 3.5482% | 1,528 |
| Noninterest income to average assets | 0.4900% | 2,220 |
| Noninterest expense to average assets | 2.5967% | 1,721 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1658% | 1,834 |
| Return on assets (ROA) | 1.1473% | 1,873 |
| Pretax return on assets | 1.2068% | 2,342 |
| Return on Equity (ROE) | 8.5300% | 3,171 |
| Retained earnings to average equity (ytd only) | 2.7814% | 3,839 |
| Net charge-offs to loans | -0.0855% | 4,448 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.9232% | 2,040 |
| Assets per employee ($millions) | 5.3052% | 3,410 |
| Cash dividends to net income (ytd only)* | 67.4103% | 677 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2042% | 344 |
| Loan loss allowance to noncurrent loans | 4,184.3750% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 3,520 |
| Noncurrent loans to loans | 0.0527% | 3,500 |
| Net loans and leases to total assets | 73.0300% | 1,177 |
| Net loans and leases to deposits | 88.7439% | 978 |
| Net loans and leases to core deposits | 90.7914% | 1,252 |
| Total domestic deposits to total assets | 82.3000% | 3,792 |
| Equity capital to assets | 12.7464% | 724 |
| Core capital (leverage) ratio | 12.9504% | 921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $239,627,500 | 2,806 |
| Average earning assets | $225,163,000 | 2,789 |
| Average equity | $32,213,500 | 2,268 |
| Average total loans | $176,140,250 | 2,409 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6589% | 1,657 |
| Cost of funding earning assets | 0.2078% | 2,811 |
| Net interest margin | 3.4511% | 1,452 |
| Noninterest income to average assets | 0.4753% | 2,330 |
| Noninterest expense to average assets | 2.6210% | 1,575 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0503% | 1,977 |
| Return on assets (ROA) | 1.0455% | 1,962 |
| Pretax return on assets | 1.0984% | 2,416 |
| Return on Equity (ROE) | 7.6421% | 3,121 |
| Retained earnings to average equity (ytd only) | -0.1841% | 4,202 |
| Net charge-offs to loans | -0.0678% | 4,341 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3720% | 1,902 |
| Assets per employee ($millions) | 5.4334% | 3,286 |
| Cash dividends to net income (ytd only)* | 102.4096% | 360 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2751% | 342 |
| Loan loss allowance to noncurrent loans | 6,605.0000% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.0251% | 3,741 |
| Noncurrent loans to loans | 0.0344% | 3,694 |
| Net loans and leases to total assets | 71.2042% | 1,186 |
| Net loans and leases to deposits | 82.1730% | 1,234 |
| Net loans and leases to core deposits | 84.0072% | 1,451 |
| Total domestic deposits to total assets | 86.6516% | 3,057 |
| Equity capital to assets | 13.2831% | 618 |
| Core capital (leverage) ratio | 12.4974% | 971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $238,157,333 | 2,839 |
| Average earning assets | $224,221,000 | 2,828 |
| Average equity | $32,582,667 | 2,292 |
| Average total loans | $174,105,333 | 2,433 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5618% | 1,619 |
| Cost of funding earning assets | 0.2185% | 2,553 |
| Net interest margin | 3.3433% | 1,463 |
| Noninterest income to average assets | 0.4695% | 2,299 |
| Noninterest expense to average assets | 2.6773% | 1,412 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8888% | 2,325 |
| Return on assets (ROA) | 0.9272% | 2,161 |
| Pretax return on assets | 0.9743% | 2,522 |
| Return on Equity (ROE) | 6.6796% | 3,135 |
| Retained earnings to average equity (ytd only) | -7.4433% | 4,508 |
| Net charge-offs to loans | -0.0873% | 4,419 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1379% | 1,727 |
| Assets per employee ($millions) | 5.3646% | 3,433 |
| Cash dividends to net income (ytd only)* | 211.4338% | 192 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2751% | 389 |
| Loan loss allowance to noncurrent loans | 6,462.2951% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.0247% | 3,795 |
| Noncurrent loans to loans | 0.0352% | 3,733 |
| Net loans and leases to total assets | 68.6165% | 1,145 |
| Net loans and leases to deposits | 78.8613% | 1,218 |
| Net loans and leases to core deposits | 80.6519% | 1,440 |
| Total domestic deposits to total assets | 87.0091% | 2,923 |
| Equity capital to assets | 12.9151% | 705 |
| Core capital (leverage) ratio | 12.3847% | 946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $237,701,000 | 2,860 |
| Average earning assets | $223,372,500 | 2,845 |
| Average equity | $32,996,000 | 2,333 |
| Average total loans | $174,062,500 | 2,425 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9167% | 1,567 |
| Cost of funding earning assets | 0.3482% | 1,948 |
| Net interest margin | 3.5685% | 1,556 |
| Noninterest income to average assets | 0.9377% | 1,122 |
| Noninterest expense to average assets | 2.7575% | 1,466 |
| Loan and lease loss provision to assets | 0.0267% | 2,527 |
| Net operating income to assets | 1.4081% | 1,251 |
| Return on assets (ROA) | 1.4258% | 1,260 |
| Pretax return on assets | 1.4996% | 1,728 |
| Return on Equity (ROE) | 9.6072% | 2,673 |
| Retained earnings to average equity (ytd only) | 4.5612% | 2,983 |
| Net charge-offs to loans | -0.0313% | 4,140 |
| Credit loss provision to net charge-offs | -109.0909% | 3,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6532% | 2,453 |
| Assets per employee ($millions) | 4.6659% | 3,989 |
| Cash dividends to net income (ytd only)* | 52.5234% | 1,392 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2327% | 426 |
| Loan loss allowance to noncurrent loans | 6,196.8254% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.0276% | 3,852 |
| Noncurrent loans to loans | 0.0360% | 3,819 |
| Net loans and leases to total assets | 74.7727% | 605 |
| Net loans and leases to deposits | 88.0302% | 652 |
| Net loans and leases to core deposits | 91.3952% | 911 |
| Total domestic deposits to total assets | 84.9398% | 3,291 |
| Equity capital to assets | 14.9242% | 502 |
| Core capital (leverage) ratio | 13.2432% | 741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $225,133,200 | 2,870 |
| Average earning assets | $209,922,000 | 2,874 |
| Average equity | $33,412,600 | 2,362 |
| Average total loans | $175,708,800 | 2,418 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9310% | 1,681 |
| Cost of funding earning assets | 0.3556% | 2,056 |
| Net interest margin | 3.5754% | 1,661 |
| Noninterest income to average assets | 0.9417% | 1,168 |
| Noninterest expense to average assets | 2.7277% | 1,517 |
| Loan and lease loss provision to assets | 0.0357% | 2,288 |
| Net operating income to assets | 1.4335% | 1,435 |
| Return on assets (ROA) | 1.4572% | 1,430 |
| Pretax return on assets | 1.5327% | 1,894 |
| Return on Equity (ROE) | 9.8326% | 2,796 |
| Retained earnings to average equity (ytd only) | 4.5171% | 3,399 |
| Net charge-offs to loans | 0.0038% | 2,213 |
| Credit loss provision to net charge-offs | 1,200.0000% | 468 |
| Earnings coverage of net charge-offs (x) | 519.2000% | 291 |
| Efficiency ratio | 63.8641% | 2,405 |
| Assets per employee ($millions) | 4.7514% | 3,928 |
| Cash dividends to net income (ytd only)* | 54.0596% | 1,038 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1575% | 490 |
| Loan loss allowance to noncurrent loans | 6,006.2500% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.0281% | 3,989 |
| Noncurrent loans to loans | 0.0359% | 3,949 |
| Net loans and leases to total assets | 76.4375% | 514 |
| Net loans and leases to deposits | 94.5077% | 400 |
| Net loans and leases to core deposits | 98.0539% | 658 |
| Total domestic deposits to total assets | 80.8797% | 4,111 |
| Equity capital to assets | 14.8716% | 558 |
| Core capital (leverage) ratio | 13.5329% | 725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $224,259,250 | 2,912 |
| Average earning assets | $208,830,750 | 2,908 |
| Average equity | $33,235,500 | 2,404 |
| Average total loans | $175,922,000 | 2,451 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9109% | 1,783 |
| Cost of funding earning assets | 0.3686% | 2,150 |
| Net interest margin | 3.5422% | 1,742 |
| Noninterest income to average assets | 0.9041% | 1,265 |
| Noninterest expense to average assets | 2.7391% | 1,481 |
| Loan and lease loss provision to assets | 0.0538% | 1,961 |
| Net operating income to assets | 1.3517% | 1,701 |
| Return on assets (ROA) | 1.3875% | 1,669 |
| Pretax return on assets | 1.4584% | 2,145 |
| Return on Equity (ROE) | 9.3734% | 2,986 |
| Retained earnings to average equity (ytd only) | 3.4052% | 3,714 |
| Net charge-offs to loans | -0.0959% | 4,617 |
| Credit loss provision to net charge-offs | -71.4286% | 3,017 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0064% | 2,300 |
| Assets per employee ($millions) | 4.6391% | 3,981 |
| Cash dividends to net income (ytd only)* | 63.6716% | 833 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2415% | 403 |
| Loan loss allowance to noncurrent loans | 5,959.0909% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.0296% | 4,058 |
| Noncurrent loans to loans | 0.0376% | 4,011 |
| Net loans and leases to total assets | 77.0317% | 507 |
| Net loans and leases to deposits | 91.8860% | 545 |
| Net loans and leases to core deposits | 94.9590% | 860 |
| Total domestic deposits to total assets | 83.8339% | 3,486 |
| Equity capital to assets | 14.9756% | 532 |
| Core capital (leverage) ratio | 12.9398% | 813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $222,990,333 | 2,916 |
| Average earning assets | $208,342,333 | 2,913 |
| Average equity | $33,008,333 | 2,405 |
| Average total loans | $175,172,000 | 2,472 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8862% | 1,863 |
| Cost of funding earning assets | 0.3629% | 2,421 |
| Net interest margin | 3.5233% | 1,766 |
| Noninterest income to average assets | 0.7331% | 1,765 |
| Noninterest expense to average assets | 2.7426% | 1,509 |
| Loan and lease loss provision to assets | 0.0538% | 2,032 |
| Net operating income to assets | 1.1707% | 2,263 |
| Return on assets (ROA) | 1.2422% | 2,086 |
| Pretax return on assets | 1.3014% | 2,570 |
| Return on Equity (ROE) | 8.4412% | 3,201 |
| Retained earnings to average equity (ytd only) | -1.9124% | 4,532 |
| Net charge-offs to loans | -0.1440% | 4,723 |
| Credit loss provision to net charge-offs | -47.6190% | 2,757 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1818% | 1,912 |
| Assets per employee ($millions) | 4.8272% | 3,832 |
| Cash dividends to net income (ytd only)* | 122.6551% | 314 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1827% | 432 |
| Loan loss allowance to noncurrent loans | 5,794.0299% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0289% | 4,153 |
| Noncurrent loans to loans | 0.0377% | 4,093 |
| Net loans and leases to total assets | 75.0818% | 709 |
| Net loans and leases to deposits | 87.5303% | 858 |
| Net loans and leases to core deposits | 90.0130% | 1,231 |
| Total domestic deposits to total assets | 85.7781% | 2,820 |
| Equity capital to assets | 14.0752% | 657 |
| Core capital (leverage) ratio | 12.8692% | 872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $223,147,500 | 2,907 |
| Average earning assets | $208,326,000 | 2,905 |
| Average equity | $32,839,000 | 2,405 |
| Average total loans | $175,026,000 | 2,473 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4334% | 1,486 |
| Cost of funding earning assets | 0.6592% | 1,936 |
| Net interest margin | 3.7742% | 1,576 |
| Noninterest income to average assets | 0.5753% | 2,319 |
| Noninterest expense to average assets | 2.7536% | 2,061 |
| Loan and lease loss provision to assets | 0.0564% | 3,663 |
| Net operating income to assets | 1.2088% | 1,523 |
| Return on assets (ROA) | 1.2722% | 1,433 |
| Pretax return on assets | 1.3357% | 1,865 |
| Return on Equity (ROE) | 8.4376% | 2,632 |
| Retained earnings to average equity (ytd only) | 3.7746% | 2,933 |
| Net charge-offs to loans | -0.0401% | 4,620 |
| Credit loss provision to net charge-offs | -173.9130% | 3,786 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5078% | 2,296 |
| Assets per employee ($millions) | 4.4706% | 3,947 |
| Cash dividends to net income (ytd only)* | 55.2641% | 1,571 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2003% | 411 |
| Loan loss allowance to noncurrent loans | 5,491.3043% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0322% | 4,200 |
| Noncurrent loans to loans | 0.0401% | 4,139 |
| Net loans and leases to total assets | 78.4812% | 555 |
| Net loans and leases to deposits | 92.9862% | 721 |
| Net loans and leases to core deposits | 96.2134% | 1,107 |
| Total domestic deposits to total assets | 84.4009% | 2,983 |
| Equity capital to assets | 15.4085% | 499 |
| Core capital (leverage) ratio | 13.1164% | 867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $212,776,400 | 2,843 |
| Average earning assets | $197,524,000 | 2,848 |
| Average equity | $32,082,600 | 2,386 |
| Average total loans | $172,129,600 | 2,471 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4833% | 1,618 |
| Cost of funding earning assets | 0.6446% | 2,360 |
| Net interest margin | 3.8386% | 1,506 |
| Noninterest income to average assets | 0.5356% | 2,444 |
| Noninterest expense to average assets | 2.6996% | 2,253 |
| Loan and lease loss provision to assets | 0.0711% | 3,434 |
| Net operating income to assets | 1.2660% | 1,433 |
| Return on assets (ROA) | 1.2660% | 1,552 |
| Pretax return on assets | 1.3325% | 1,930 |
| Return on Equity (ROE) | 8.4428% | 2,627 |
| Retained earnings to average equity (ytd only) | 3.6686% | 3,216 |
| Net charge-offs to loans | -0.0449% | 4,643 |
| Credit loss provision to net charge-offs | -194.8276% | 3,640 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7943% | 2,493 |
| Assets per employee ($millions) | 4.6904% | 3,611 |
| Cash dividends to net income (ytd only)* | 56.5476% | 1,240 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1638% | 373 |
| Loan loss allowance to noncurrent loans | 5,311.2676% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0329% | 4,291 |
| Noncurrent loans to loans | 0.0407% | 4,226 |
| Net loans and leases to total assets | 79.0270% | 708 |
| Net loans and leases to deposits | 95.0779% | 836 |
| Net loans and leases to core deposits | 100.4045% | 1,135 |
| Total domestic deposits to total assets | 83.1181% | 3,113 |
| Equity capital to assets | 15.1573% | 602 |
| Core capital (leverage) ratio | 13.1988% | 902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $212,323,250 | 2,830 |
| Average earning assets | $197,322,000 | 2,833 |
| Average equity | $31,837,000 | 2,385 |
| Average total loans | $172,111,750 | 2,466 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5313% | 1,829 |
| Cost of funding earning assets | 0.6706% | 2,555 |
| Net interest margin | 3.8607% | 1,665 |
| Noninterest income to average assets | 0.4963% | 2,590 |
| Noninterest expense to average assets | 2.7067% | 2,368 |
| Loan and lease loss provision to assets | 0.0710% | 3,407 |
| Net operating income to assets | 1.2463% | 1,505 |
| Return on assets (ROA) | 1.2463% | 1,624 |
| Pretax return on assets | 1.3117% | 1,990 |
| Return on Equity (ROE) | 8.3428% | 2,616 |
| Retained earnings to average equity (ytd only) | 1.9716% | 3,771 |
| Net charge-offs to loans | -0.0397% | 4,621 |
| Credit loss provision to net charge-offs | -220.5882% | 3,494 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1881% | 2,491 |
| Assets per employee ($millions) | 4.6988% | 3,530 |
| Cash dividends to net income (ytd only)* | 76.3678% | 818 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1249% | 365 |
| Loan loss allowance to noncurrent loans | 685.5823% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.2503% | 3,309 |
| Noncurrent loans to loans | 0.3099% | 3,272 |
| Net loans and leases to total assets | 79.0409% | 717 |
| Net loans and leases to deposits | 94.7985% | 890 |
| Net loans and leases to core deposits | 99.9164% | 1,259 |
| Total domestic deposits to total assets | 83.3778% | 2,967 |
| Equity capital to assets | 14.8757% | 639 |
| Core capital (leverage) ratio | 12.9303% | 1,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $211,178,333 | 2,819 |
| Average earning assets | $196,544,667 | 2,816 |
| Average equity | $31,548,333 | 2,384 |
| Average total loans | $171,389,667 | 2,457 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6843% | 1,758 |
| Cost of funding earning assets | 0.7127% | 2,878 |
| Net interest margin | 3.9716% | 1,471 |
| Noninterest income to average assets | 0.5367% | 2,353 |
| Noninterest expense to average assets | 2.7543% | 2,562 |
| Loan and lease loss provision to assets | 0.0728% | 2,822 |
| Net operating income to assets | 1.3148% | 1,205 |
| Return on assets (ROA) | 1.3148% | 1,297 |
| Pretax return on assets | 1.3838% | 1,611 |
| Return on Equity (ROE) | 8.7819% | 2,200 |
| Retained earnings to average equity (ytd only) | -0.4353% | 4,063 |
| Net charge-offs to loans | -0.1178% | 4,850 |
| Credit loss provision to net charge-offs | -76.0000% | 3,159 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4074% | 3,039 |
| Assets per employee ($millions) | 4.6969% | 2,991 |
| Cash dividends to net income (ytd only)* | 104.9563% | 715 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1615% | 399 |
| Loan loss allowance to noncurrent loans | 3,725.2525% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0468% | 4,374 |
| Noncurrent loans to loans | 0.0580% | 4,320 |
| Net loans and leases to total assets | 78.9798% | 826 |
| Net loans and leases to deposits | 94.5688% | 1,033 |
| Net loans and leases to core deposits | 99.7532% | 1,491 |
| Total domestic deposits to total assets | 83.5157% | 2,941 |
| Equity capital to assets | 14.7124% | 832 |
| Core capital (leverage) ratio | 13.2143% | 1,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $208,695,000 | 2,800 |
| Average earning assets | $193,071,000 | 2,802 |
| Average equity | $31,246,000 | 2,387 |
| Average total loans | $169,808,500 | 2,454 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8657% | 1,860 |
| Cost of funding earning assets | 0.7889% | 2,731 |
| Net interest margin | 4.0768% | 1,603 |
| Noninterest income to average assets | 0.5393% | 2,534 |
| Noninterest expense to average assets | 2.8252% | 2,516 |
| Loan and lease loss provision to assets | 0.1112% | 1,875 |
| Net operating income to assets | 1.3075% | 1,659 |
| Return on assets (ROA) | 1.3075% | 1,740 |
| Pretax return on assets | 1.3763% | 2,246 |
| Return on Equity (ROE) | 8.5407% | 2,927 |
| Retained earnings to average equity (ytd only) | 3.1967% | 3,422 |
| Net charge-offs to loans | 0.0398% | 2,590 |
| Credit loss provision to net charge-offs | 335.8209% | 826 |
| Earnings coverage of net charge-offs (x) | 44.9104% | 1,216 |
| Efficiency ratio | 65.5089% | 2,839 |
| Assets per employee ($millions) | 4.4789% | 3,255 |
| Cash dividends to net income (ytd only)* | 62.5709% | 1,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1302% | 380 |
| Loan loss allowance to noncurrent loans | 215.4399% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.8110% | 1,598 |
| Noncurrent loans to loans | 0.9888% | 1,537 |
| Net loans and leases to total assets | 80.2782% | 748 |
| Net loans and leases to deposits | 96.7732% | 861 |
| Net loans and leases to core deposits | 100.6077% | 1,512 |
| Total domestic deposits to total assets | 82.9550% | 3,206 |
| Equity capital to assets | 15.2385% | 739 |
| Core capital (leverage) ratio | 13.4724% | 1,065 |
| Tier 1 risk-based capital ratio | 15.9312% | 2,429 |
| Total risk-based capital ratio | 17.1918% | 2,373 |
| Memoranda: |
| Average total assets | $202,288,000 | 2,822 |
| Average earning assets | $187,228,200 | 2,822 |
| Average equity | $30,969,200 | 2,340 |
| Average total loans | $168,340,600 | 2,424 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8758% | 1,890 |
| Cost of funding earning assets | 0.7854% | 2,785 |
| Net interest margin | 4.0903% | 1,643 |
| Noninterest income to average assets | 0.5264% | 2,572 |
| Noninterest expense to average assets | 2.8268% | 2,481 |
| Loan and lease loss provision to assets | 0.1245% | 1,564 |
| Net operating income to assets | 1.3065% | 1,831 |
| Return on assets (ROA) | 1.3065% | 1,914 |
| Pretax return on assets | 1.3753% | 2,400 |
| Return on Equity (ROE) | 8.5236% | 3,098 |
| Retained earnings to average equity (ytd only) | 5.0891% | 2,849 |
| Net charge-offs to loans | 0.0024% | 3,352 |
| Credit loss provision to net charge-offs | 6,266.6667% | 67 |
| Earnings coverage of net charge-offs (x) | 754.9800% | 127 |
| Efficiency ratio | 65.3352% | 2,810 |
| Assets per employee ($millions) | 4.4583% | 3,272 |
| Cash dividends to net income (ytd only)* | 40.2938% | 2,144 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1244% | 378 |
| Loan loss allowance to noncurrent loans | 185.8534% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.9725% | 1,387 |
| Noncurrent loans to loans | 1.1430% | 1,386 |
| Net loans and leases to total assets | 83.2701% | 420 |
| Net loans and leases to deposits | 101.0495% | 555 |
| Net loans and leases to core deposits | 104.9913% | 1,259 |
| Total domestic deposits to total assets | 82.4053% | 3,356 |
| Equity capital to assets | 15.7395% | 690 |
| Core capital (leverage) ratio | 14.2515% | 916 |
| Tier 1 risk-based capital ratio | 16.0150% | 2,420 |
| Total risk-based capital ratio | 17.2758% | 2,360 |
| Memoranda: |
| Average total assets | $201,352,250 | 2,847 |
| Average earning assets | $187,070,750 | 2,845 |
| Average equity | $30,862,500 | 2,362 |
| Average total loans | $168,176,250 | 2,451 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8876% | 1,788 |
| Cost of funding earning assets | 0.7788% | 2,750 |
| Net interest margin | 4.1088% | 1,581 |
| Noninterest income to average assets | 0.5079% | 2,632 |
| Noninterest expense to average assets | 2.8096% | 2,547 |
| Loan and lease loss provision to assets | 0.1488% | 1,239 |
| Net operating income to assets | 1.2967% | 1,784 |
| Return on assets (ROA) | 1.2967% | 1,845 |
| Pretax return on assets | 1.3651% | 2,320 |
| Return on Equity (ROE) | 8.5357% | 3,050 |
| Retained earnings to average equity (ytd only) | 4.3887% | 3,070 |
| Net charge-offs to loans | 0.0084% | 2,843 |
| Credit loss provision to net charge-offs | 2,142.8571% | 171 |
| Earnings coverage of net charge-offs (x) | 218.0000% | 369 |
| Efficiency ratio | 64.9839% | 2,980 |
| Assets per employee ($millions) | 4.1453% | 3,653 |
| Cash dividends to net income (ytd only)* | 48.5845% | 1,868 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1498% | 358 |
| Loan loss allowance to noncurrent loans | 151.2658% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 1.2370% | 1,055 |
| Noncurrent loans to loans | 1.4212% | 1,087 |
| Net loans and leases to total assets | 83.7528% | 377 |
| Net loans and leases to deposits | 99.8898% | 687 |
| Net loans and leases to core deposits | 103.8293% | 1,397 |
| Total domestic deposits to total assets | 83.8452% | 2,931 |
| Equity capital to assets | 15.9500% | 622 |
| Core capital (leverage) ratio | 13.5895% | 1,081 |
| Tier 1 risk-based capital ratio | 16.1610% | 2,343 |
| Total risk-based capital ratio | 17.4224% | 2,290 |
| Memoranda: |
| Average total assets | $201,595,330 | 2,860 |
| Average earning assets | $187,209,330 | 2,854 |
| Average equity | $30,624,330 | 2,372 |
| Average total loans | $167,340,000 | 2,469 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7830% | 1,955 |
| Cost of funding earning assets | 0.7625% | 2,718 |
| Net interest margin | 4.0205% | 1,791 |
| Noninterest income to average assets | 0.5035% | 2,534 |
| Noninterest expense to average assets | 2.7534% | 2,729 |
| Loan and lease loss provision to assets | 0.1464% | 1,159 |
| Net operating income to assets | 1.2723% | 1,805 |
| Return on assets (ROA) | 1.2723% | 1,853 |
| Pretax return on assets | 1.3387% | 2,292 |
| Return on Equity (ROE) | 8.5792% | 2,999 |
| Retained earnings to average equity (ytd only) | 2.2632% | 3,992 |
| Net charge-offs to loans | -0.1074% | 5,045 |
| Credit loss provision to net charge-offs | -166.6667% | 3,605 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9632% | 3,091 |
| Assets per employee ($millions) | 4.6780% | 2,946 |
| Cash dividends to net income (ytd only)* | 73.6196% | 1,041 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1309% | 400 |
| Loan loss allowance to noncurrent loans | 151.8977% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 1.1587% | 1,169 |
| Noncurrent loans to loans | 1.4029% | 1,150 |
| Net loans and leases to total assets | 79.4791% | 912 |
| Net loans and leases to deposits | 93.6107% | 1,216 |
| Net loans and leases to core deposits | 97.6902% | 1,800 |
| Total domestic deposits to total assets | 84.9039% | 2,716 |
| Equity capital to assets | 14.8294% | 789 |
| Core capital (leverage) ratio | 13.1161% | 1,215 |
| Tier 1 risk-based capital ratio | 15.7031% | 2,567 |
| Total risk-based capital ratio | 16.9641% | 2,481 |
| Memoranda: |
| Average total assets | $204,979,500 | 2,852 |
| Average earning assets | $190,424,500 | 2,848 |
| Average equity | $30,399,000 | 2,391 |
| Average total loans | $167,631,000 | 2,496 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6279% | 2,056 |
| Cost of funding earning assets | 0.6225% | 2,571 |
| Net interest margin | 4.0055% | 1,972 |
| Noninterest income to average assets | 0.5954% | 2,318 |
| Noninterest expense to average assets | 2.7034% | 3,013 |
| Loan and lease loss provision to assets | 0.1837% | 1,058 |
| Net operating income to assets | 1.3626% | 1,562 |
| Return on assets (ROA) | 1.3626% | 1,549 |
| Pretax return on assets | 1.4341% | 2,015 |
| Return on Equity (ROE) | 9.2545% | 2,857 |
| Retained earnings to average equity (ytd only) | 5.6492% | 2,386 |
| Net charge-offs to loans | -0.0419% | 4,917 |
| Credit loss provision to net charge-offs | -536.2319% | 4,646 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5603% | 3,421 |
| Assets per employee ($millions) | 4.4375% | 3,260 |
| Cash dividends to net income (ytd only)* | 38.9577% | 2,578 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0475% | 436 |
| Loan loss allowance to noncurrent loans | 132.4356% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 1.2928% | 990 |
| Noncurrent loans to loans | 1.5461% | 967 |
| Net loans and leases to total assets | 80.6677% | 843 |
| Net loans and leases to deposits | 94.9882% | 1,172 |
| Net loans and leases to core deposits | 99.3298% | 1,773 |
| Total domestic deposits to total assets | 84.9239% | 2,674 |
| Equity capital to assets | 14.8311% | 750 |
| Core capital (leverage) ratio | 13.0681% | 1,221 |
| Tier 1 risk-based capital ratio | 15.3872% | 2,668 |
| Total risk-based capital ratio | 16.6470% | 2,584 |
| Memoranda: |
| Average total assets | $201,378,600 | 2,851 |
| Average earning assets | $187,318,400 | 2,856 |
| Average equity | $29,650,400 | 2,352 |
| Average total loans | $164,745,800 | 2,482 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6093% | 1,950 |
| Cost of funding earning assets | 0.5827% | 2,608 |
| Net interest margin | 4.0266% | 1,867 |
| Noninterest income to average assets | 0.5919% | 2,357 |
| Noninterest expense to average assets | 2.6866% | 3,009 |
| Loan and lease loss provision to assets | 0.1196% | 1,696 |
| Net operating income to assets | 1.4556% | 1,311 |
| Return on assets (ROA) | 1.4556% | 1,307 |
| Pretax return on assets | 1.5320% | 1,798 |
| Return on Equity (ROE) | 9.9044% | 2,661 |
| Retained earnings to average equity (ytd only) | 7.9109% | 1,698 |
| Net charge-offs to loans | -0.0366% | 4,819 |
| Credit loss provision to net charge-offs | -400.0000% | 4,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9296% | 3,518 |
| Assets per employee ($millions) | 4.3232% | 3,393 |
| Cash dividends to net income (ytd only)* | 20.1280% | 3,008 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9560% | 528 |
| Loan loss allowance to noncurrent loans | 602.2388% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.2695% | 3,604 |
| Noncurrent loans to loans | 0.3248% | 3,507 |
| Net loans and leases to total assets | 81.3628% | 815 |
| Net loans and leases to deposits | 96.2386% | 1,127 |
| Net loans and leases to core deposits | 100.8049% | 1,714 |
| Total domestic deposits to total assets | 84.5429% | 2,782 |
| Equity capital to assets | 15.2339% | 672 |
| Core capital (leverage) ratio | 13.4634% | 1,115 |
| Tier 1 risk-based capital ratio | 15.6707% | 2,575 |
| Total risk-based capital ratio | 16.9289% | 2,517 |
| Memoranda: |
| Average total assets | $200,692,000 | 2,880 |
| Average earning assets | $186,719,500 | 2,883 |
| Average equity | $29,494,500 | 2,371 |
| Average total loans | $163,906,000 | 2,507 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5204% | 2,027 |
| Cost of funding earning assets | 0.5292% | 2,767 |
| Net interest margin | 3.9912% | 1,891 |
| Noninterest income to average assets | 0.5772% | 2,440 |
| Noninterest expense to average assets | 2.7094% | 2,986 |
| Loan and lease loss provision to assets | 0.1192% | 1,662 |
| Net operating income to assets | 1.3989% | 1,446 |
| Return on assets (ROA) | 1.3989% | 1,447 |
| Pretax return on assets | 1.4724% | 1,916 |
| Return on Equity (ROE) | 9.6347% | 2,747 |
| Retained earnings to average equity (ytd only) | 7.8145% | 1,699 |
| Net charge-offs to loans | -0.0929% | 5,136 |
| Credit loss provision to net charge-offs | -157.8947% | 4,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9938% | 3,478 |
| Assets per employee ($millions) | 4.3708% | 3,319 |
| Cash dividends to net income (ytd only)* | 18.8920% | 3,024 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9461% | 568 |
| Loan loss allowance to noncurrent loans | 666.4583% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.2440% | 3,787 |
| Noncurrent loans to loans | 0.2920% | 3,657 |
| Net loans and leases to total assets | 81.9493% | 716 |
| Net loans and leases to deposits | 98.6655% | 913 |
| Net loans and leases to core deposits | 103.7181% | 1,416 |
| Total domestic deposits to total assets | 83.0577% | 3,399 |
| Equity capital to assets | 15.1333% | 665 |
| Core capital (leverage) ratio | 13.0807% | 1,192 |
| Tier 1 risk-based capital ratio | 15.4292% | 2,672 |
| Total risk-based capital ratio | 16.6880% | 2,597 |
| Memoranda: |
| Average total assets | $201,300,670 | 2,888 |
| Average earning assets | $187,814,670 | 2,882 |
| Average equity | $29,227,670 | 2,398 |
| Average total loans | $163,531,000 | 2,521 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3829% | 2,255 |
| Cost of funding earning assets | 0.5146% | 2,685 |
| Net interest margin | 3.8682% | 2,163 |
| Noninterest income to average assets | 0.5678% | 2,431 |
| Noninterest expense to average assets | 2.7347% | 2,930 |
| Loan and lease loss provision to assets | 0.1179% | 1,598 |
| Net operating income to assets | 1.2534% | 1,794 |
| Return on assets (ROA) | 1.2534% | 1,807 |
| Pretax return on assets | 1.3182% | 2,296 |
| Return on Equity (ROE) | 8.8125% | 3,001 |
| Retained earnings to average equity (ytd only) | 7.3621% | 2,119 |
| Net charge-offs to loans | -0.1153% | 5,253 |
| Credit loss provision to net charge-offs | -127.6596% | 3,730 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5676% | 3,242 |
| Assets per employee ($millions) | 4.3972% | 3,328 |
| Cash dividends to net income (ytd only)* | 16.4577% | 2,464 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8924% | 666 |
| Loan loss allowance to noncurrent loans | 641.2371% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.3550% | 3,421 |
| Noncurrent loans to loans | 0.2951% | 3,709 |
| Net loans and leases to total assets | 79.7094% | 977 |
| Net loans and leases to deposits | 94.9557% | 1,137 |
| Net loans and leases to core deposits | 100.2574% | 1,671 |
| Total domestic deposits to total assets | 83.9438% | 3,347 |
| Equity capital to assets | 14.4257% | 789 |
| Core capital (leverage) ratio | 12.6310% | 1,329 |
| Tier 1 risk-based capital ratio | 14.9656% | 2,880 |
| Total risk-based capital ratio | 16.2230% | 2,809 |
| Memoranda: |
| Average total assets | $203,608,500 | 2,900 |
| Average earning assets | $189,646,500 | 2,886 |
| Average equity | $28,959,000 | 2,439 |
| Average total loans | $163,106,000 | 2,541 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3889% | 2,058 |
| Cost of funding earning assets | 0.4798% | 2,503 |
| Net interest margin | 3.9091% | 2,059 |
| Noninterest income to average assets | 0.6668% | 2,109 |
| Noninterest expense to average assets | 2.6713% | 3,227 |
| Loan and lease loss provision to assets | 0.0732% | 2,747 |
| Net operating income to assets | 1.4801% | 845 |
| Return on assets (ROA) | 1.4801% | 865 |
| Pretax return on assets | 1.5578% | 1,425 |
| Return on Equity (ROE) | 10.5867% | 1,640 |
| Retained earnings to average equity (ytd only) | 3.9630% | 2,819 |
| Net charge-offs to loans | 0.1377% | 1,688 |
| Credit loss provision to net charge-offs | 66.6667% | 3,136 |
| Earnings coverage of net charge-offs (x) | 14.8489% | 2,292 |
| Efficiency ratio | 62.0901% | 3,924 |
| Assets per employee ($millions) | 4.4553% | 3,262 |
| Cash dividends to net income (ytd only)* | 62.5660% | 1,632 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8552% | 702 |
| Loan loss allowance to noncurrent loans | 357.5000% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.4099% | 3,219 |
| Noncurrent loans to loans | 0.5189% | 2,960 |
| Net loans and leases to total assets | 77.5180% | 1,350 |
| Net loans and leases to deposits | 90.2670% | 1,747 |
| Net loans and leases to core deposits | 96.2913% | 1,999 |
| Total domestic deposits to total assets | 85.8763% | 2,498 |
| Equity capital to assets | 14.0227% | 903 |
| Core capital (leverage) ratio | 12.0380% | 1,585 |
| Tier 1 risk-based capital ratio | 14.8274% | 2,911 |
| Total risk-based capital ratio | 16.0846% | 2,851 |
| Memoranda: |
| Average total assets | $204,844,600 | 2,872 |
| Average earning assets | $190,502,400 | 2,857 |
| Average equity | $28,639,600 | 2,452 |
| Average total loans | $163,371,600 | 2,500 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3746% | 2,037 |
| Cost of funding earning assets | 0.4630% | 2,590 |
| Net interest margin | 3.9116% | 1,998 |
| Noninterest income to average assets | 0.6666% | 2,138 |
| Noninterest expense to average assets | 2.6279% | 3,327 |
| Loan and lease loss provision to assets | 0.0586% | 2,911 |
| Net operating income to assets | 1.5350% | 829 |
| Return on assets (ROA) | 1.5350% | 857 |
| Pretax return on assets | 1.6157% | 1,367 |
| Return on Equity (ROE) | 10.9871% | 1,705 |
| Retained earnings to average equity (ytd only) | 8.1448% | 1,167 |
| Net charge-offs to loans | 0.1612% | 1,273 |
| Credit loss provision to net charge-offs | 45.4545% | 2,961 |
| Earnings coverage of net charge-offs (x) | 12.9901% | 2,384 |
| Efficiency ratio | 61.0834% | 4,031 |
| Assets per employee ($millions) | 4.4323% | 3,271 |
| Cash dividends to net income (ytd only)* | 25.8693% | 2,908 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7820% | 883 |
| Loan loss allowance to noncurrent loans | 307.7720% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.4733% | 3,150 |
| Noncurrent loans to loans | 0.5790% | 2,955 |
| Net loans and leases to total assets | 80.2876% | 943 |
| Net loans and leases to deposits | 95.9722% | 1,115 |
| Net loans and leases to core deposits | 103.5762% | 1,421 |
| Total domestic deposits to total assets | 83.6571% | 3,243 |
| Equity capital to assets | 14.4928% | 859 |
| Core capital (leverage) ratio | 12.5829% | 1,385 |
| Tier 1 risk-based capital ratio | 14.6576% | 3,097 |
| Total risk-based capital ratio | 15.9140% | 3,009 |
| Memoranda: |
| Average total assets | $204,819,250 | 2,896 |
| Average earning assets | $190,368,000 | 2,887 |
| Average equity | $28,614,750 | 2,471 |
| Average total loans | $163,746,250 | 2,504 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2739% | 2,216 |
| Cost of funding earning assets | 0.4456% | 2,645 |
| Net interest margin | 3.8282% | 2,181 |
| Noninterest income to average assets | 0.6103% | 2,408 |
| Noninterest expense to average assets | 2.5945% | 3,447 |
| Loan and lease loss provision to assets | 0.0585% | 2,801 |
| Net operating income to assets | 1.4410% | 972 |
| Return on assets (ROA) | 1.4410% | 1,000 |
| Pretax return on assets | 1.5171% | 1,577 |
| Return on Equity (ROE) | 10.4440% | 1,864 |
| Retained earnings to average equity (ytd only) | 7.5821% | 1,321 |
| Net charge-offs to loans | -0.0430% | 5,107 |
| Credit loss provision to net charge-offs | -171.4286% | 4,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2165% | 3,954 |
| Assets per employee ($millions) | 4.3490% | 3,346 |
| Cash dividends to net income (ytd only)* | 27.4019% | 2,853 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9152% | 703 |
| Loan loss allowance to noncurrent loans | 547.0690% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.2838% | 3,990 |
| Noncurrent loans to loans | 0.3501% | 3,780 |
| Net loans and leases to total assets | 79.4997% | 1,025 |
| Net loans and leases to deposits | 92.6982% | 1,405 |
| Net loans and leases to core deposits | 99.8133% | 1,659 |
| Total domestic deposits to total assets | 85.7619% | 2,498 |
| Equity capital to assets | 14.1427% | 922 |
| Core capital (leverage) ratio | 12.1207% | 1,572 |
| Tier 1 risk-based capital ratio | 14.5200% | 3,156 |
| Total risk-based capital ratio | 15.7782% | 3,077 |
| Memoranda: |
| Average total assets | $205,130,000 | 2,904 |
| Average earning assets | $190,741,330 | 2,901 |
| Average equity | $28,303,330 | 2,489 |
| Average total loans | $162,773,000 | 2,522 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1624% | 2,416 |
| Cost of funding earning assets | 0.4164% | 2,839 |
| Net interest margin | 3.7459% | 2,326 |
| Noninterest income to average assets | 0.6229% | 2,306 |
| Noninterest expense to average assets | 2.5967% | 3,519 |
| Loan and lease loss provision to assets | 0.0584% | 2,640 |
| Net operating income to assets | 1.3801% | 1,035 |
| Return on assets (ROA) | 1.3801% | 1,071 |
| Pretax return on assets | 1.4521% | 1,690 |
| Return on Equity (ROE) | 10.1282% | 1,916 |
| Retained earnings to average equity (ytd only) | 7.6283% | 1,597 |
| Net charge-offs to loans | -0.0298% | 4,928 |
| Credit loss provision to net charge-offs | -250.0000% | 4,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2227% | 3,949 |
| Assets per employee ($millions) | 4.5884% | 3,025 |
| Cash dividends to net income (ytd only)* | 24.6827% | 2,426 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9148% | 766 |
| Loan loss allowance to noncurrent loans | 7,255.8140% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.0208% | 5,252 |
| Noncurrent loans to loans | 0.0264% | 5,114 |
| Net loans and leases to total assets | 77.4041% | 1,215 |
| Net loans and leases to deposits | 89.8301% | 1,558 |
| Net loans and leases to core deposits | 96.0221% | 1,818 |
| Total domestic deposits to total assets | 86.1672% | 2,598 |
| Equity capital to assets | 13.7185% | 999 |
| Core capital (leverage) ratio | 12.0130% | 1,620 |
| Tier 1 risk-based capital ratio | 14.2286% | 3,346 |
| Total risk-based capital ratio | 15.4860% | 3,259 |
| Memoranda: |
| Average total assets | $205,494,000 | 2,933 |
| Average earning assets | $191,141,500 | 2,917 |
| Average equity | $28,001,000 | 2,514 |
| Average total loans | $161,323,500 | 2,561 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2261% | 2,402 |
| Cost of funding earning assets | 0.4519% | 2,523 |
| Net interest margin | 3.7742% | 2,409 |
| Noninterest income to average assets | 0.7095% | 2,134 |
| Noninterest expense to average assets | 2.5373% | 3,886 |
| Loan and lease loss provision to assets | 0.0958% | 2,449 |
| Net operating income to assets | 1.5338% | 776 |
| Return on assets (ROA) | 1.5384% | 795 |
| Pretax return on assets | 1.6141% | 1,238 |
| Return on Equity (ROE) | 11.5567% | 1,379 |
| Retained earnings to average equity (ytd only) | 4.2469% | 2,884 |
| Net charge-offs to loans | -0.0850% | 5,536 |
| Credit loss provision to net charge-offs | -145.9854% | 4,944 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8080% | 4,613 |
| Assets per employee ($millions) | 4.5446% | 3,051 |
| Cash dividends to net income (ytd only)* | 63.2513% | 1,613 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9273% | 767 |
| Loan loss allowance to noncurrent loans | 3,078.0000% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.0489% | 5,147 |
| Noncurrent loans to loans | 0.0626% | 4,987 |
| Net loans and leases to total assets | 76.5862% | 1,424 |
| Net loans and leases to deposits | 88.6947% | 1,847 |
| Net loans and leases to core deposits | 96.7711% | 1,855 |
| Total domestic deposits to total assets | 86.3482% | 2,434 |
| Equity capital to assets | 13.5330% | 1,031 |
| Core capital (leverage) ratio | 11.4395% | 1,977 |
| Tier 1 risk-based capital ratio | 14.1034% | 3,410 |
| Total risk-based capital ratio | 15.3608% | 3,322 |
| Memoranda: |
| Average total assets | $208,726,200 | 2,867 |
| Average earning assets | $195,379,200 | 2,845 |
| Average equity | $27,784,800 | 2,522 |
| Average total loans | $161,129,800 | 2,506 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2098% | 2,483 |
| Cost of funding earning assets | 0.4540% | 2,522 |
| Net interest margin | 3.7558% | 2,503 |
| Noninterest income to average assets | 0.5847% | 2,733 |
| Noninterest expense to average assets | 2.5200% | 3,926 |
| Loan and lease loss provision to assets | 0.1036% | 2,195 |
| Net operating income to assets | 1.4049% | 1,063 |
| Return on assets (ROA) | 1.4110% | 1,098 |
| Pretax return on assets | 1.4853% | 1,758 |
| Return on Equity (ROE) | 10.6426% | 1,810 |
| Retained earnings to average equity (ytd only) | 7.5937% | 1,359 |
| Net charge-offs to loans | -0.1709% | 5,721 |
| Credit loss provision to net charge-offs | -78.7440% | 4,728 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4253% | 4,322 |
| Assets per employee ($millions) | 4.5004% | 3,086 |
| Cash dividends to net income (ytd only)* | 28.6487% | 2,883 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9064% | 841 |
| Loan loss allowance to noncurrent loans | 1,587.2449% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.0947% | 5,062 |
| Noncurrent loans to loans | 0.1201% | 4,860 |
| Net loans and leases to total assets | 77.3242% | 1,302 |
| Net loans and leases to deposits | 89.8904% | 1,772 |
| Net loans and leases to core deposits | 100.9396% | 1,555 |
| Total domestic deposits to total assets | 86.0205% | 2,336 |
| Equity capital to assets | 13.7804% | 1,126 |
| Core capital (leverage) ratio | 11.6112% | 1,946 |
| Tier 1 risk-based capital ratio | 14.0580% | 3,532 |
| Total risk-based capital ratio | 15.3155% | 3,446 |
| Memoranda: |
| Average total assets | $209,780,750 | 2,872 |
| Average earning assets | $196,489,500 | 2,837 |
| Average equity | $27,812,000 | 2,541 |
| Average total loans | $161,486,500 | 2,507 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1769% | 2,578 |
| Cost of funding earning assets | 0.4549% | 2,524 |
| Net interest margin | 3.7220% | 2,610 |
| Noninterest income to average assets | 0.5648% | 2,823 |
| Noninterest expense to average assets | 2.5031% | 4,017 |
| Loan and lease loss provision to assets | 0.1187% | 1,920 |
| Net operating income to assets | 1.3593% | 1,141 |
| Return on assets (ROA) | 1.3593% | 1,215 |
| Pretax return on assets | 1.4305% | 1,906 |
| Return on Equity (ROE) | 10.3868% | 1,894 |
| Retained earnings to average equity (ytd only) | 7.9932% | 1,168 |
| Net charge-offs to loans | -0.2312% | 5,836 |
| Credit loss provision to net charge-offs | -67.2043% | 4,556 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7709% | 4,379 |
| Assets per employee ($millions) | 4.5227% | 2,982 |
| Cash dividends to net income (ytd only)* | 23.0447% | 3,092 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8893% | 913 |
| Loan loss allowance to noncurrent loans | 327.8195% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.4475% | 3,724 |
| Noncurrent loans to loans | 0.5763% | 3,337 |
| Net loans and leases to total assets | 76.1824% | 1,467 |
| Net loans and leases to deposits | 88.3511% | 1,943 |
| Net loans and leases to core deposits | 99.1269% | 1,706 |
| Total domestic deposits to total assets | 86.2270% | 2,312 |
| Equity capital to assets | 13.5548% | 1,202 |
| Core capital (leverage) ratio | 11.2180% | 2,216 |
| Tier 1 risk-based capital ratio | 13.7648% | 3,741 |
| Total risk-based capital ratio | 15.0217% | 3,656 |
| Memoranda: |
| Average total assets | $210,701,670 | 2,878 |
| Average earning assets | $197,420,330 | 2,849 |
| Average equity | $27,573,330 | 2,561 |
| Average total loans | $160,920,000 | 2,521 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1419% | 2,678 |
| Cost of funding earning assets | 0.4571% | 2,502 |
| Net interest margin | 3.6849% | 2,730 |
| Noninterest income to average assets | 0.5678% | 2,695 |
| Noninterest expense to average assets | 2.4713% | 4,159 |
| Loan and lease loss provision to assets | 0.1415% | 1,487 |
| Net operating income to assets | 1.3375% | 1,161 |
| Return on assets (ROA) | 1.3375% | 1,245 |
| Pretax return on assets | 1.4073% | 1,882 |
| Return on Equity (ROE) | 10.4035% | 1,816 |
| Retained earnings to average equity (ytd only) | 8.6427% | 1,215 |
| Net charge-offs to loans | -0.1469% | 5,769 |
| Credit loss provision to net charge-offs | -127.1186% | 4,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4735% | 4,530 |
| Assets per employee ($millions) | 4.6199% | 2,860 |
| Cash dividends to net income (ytd only)* | 16.9252% | 2,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8018% | 1,149 |
| Loan loss allowance to noncurrent loans | 2,875.0000% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 5,438 |
| Noncurrent loans to loans | 0.0627% | 5,233 |
| Net loans and leases to total assets | 73.7310% | 1,770 |
| Net loans and leases to deposits | 84.9573% | 2,197 |
| Net loans and leases to core deposits | 96.7461% | 1,725 |
| Total domestic deposits to total assets | 86.7860% | 2,308 |
| Equity capital to assets | 12.9872% | 1,418 |
| Core capital (leverage) ratio | 10.9760% | 2,429 |
| Tier 1 risk-based capital ratio | 13.5784% | 3,935 |
| Total risk-based capital ratio | 14.8344% | 3,863 |
| Memoranda: |
| Average total assets | $212,030,500 | 2,869 |
| Average earning assets | $198,650,500 | 2,836 |
| Average equity | $27,260,000 | 2,581 |
| Average total loans | $160,607,500 | 2,519 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2415% | 2,416 |
| Cost of funding earning assets | 0.4737% | 2,408 |
| Net interest margin | 3.7678% | 2,494 |
| Noninterest income to average assets | 0.4903% | 3,391 |
| Noninterest expense to average assets | 2.4759% | 4,301 |
| Loan and lease loss provision to assets | 0.1418% | 1,674 |
| Net operating income to assets | 1.3335% | 1,195 |
| Return on assets (ROA) | 1.3384% | 1,221 |
| Pretax return on assets | 1.4089% | 1,863 |
| Return on Equity (ROE) | 10.5697% | 1,770 |
| Retained earnings to average equity (ytd only) | 4.2600% | 2,951 |
| Net charge-offs to loans | -0.0246% | 5,336 |
| Credit loss provision to net charge-offs | -750.0000% | 5,518 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5683% | 4,683 |
| Assets per employee ($millions) | 4.5988% | 2,878 |
| Cash dividends to net income (ytd only)* | 59.6962% | 1,759 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6956% | 1,359 |
| Loan loss allowance to noncurrent loans | 2,741.0000% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.0473% | 5,488 |
| Noncurrent loans to loans | 0.0619% | 5,270 |
| Net loans and leases to total assets | 75.1182% | 1,548 |
| Net loans and leases to deposits | 86.9899% | 2,006 |
| Net loans and leases to core deposits | 99.5458% | 1,548 |
| Total domestic deposits to total assets | 86.3527% | 2,460 |
| Equity capital to assets | 12.7255% | 1,501 |
| Core capital (leverage) ratio | 10.5251% | 2,902 |
| Tier 1 risk-based capital ratio | 13.0687% | 4,263 |
| Total risk-based capital ratio | 14.3235% | 4,178 |
| Memoranda: |
| Average total assets | $211,515,000 | 2,828 |
| Average earning assets | $198,229,800 | 2,800 |
| Average equity | $26,784,000 | 2,572 |
| Average total loans | $162,875,800 | 2,428 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2468% | 2,417 |
| Cost of funding earning assets | 0.4771% | 2,432 |
| Net interest margin | 3.7697% | 2,494 |
| Noninterest income to average assets | 0.4879% | 3,460 |
| Noninterest expense to average assets | 2.4415% | 4,383 |
| Loan and lease loss provision to assets | 0.1418% | 1,561 |
| Net operating income to assets | 1.3689% | 1,183 |
| Return on assets (ROA) | 1.3755% | 1,217 |
| Pretax return on assets | 1.4480% | 1,837 |
| Return on Equity (ROE) | 10.8757% | 1,752 |
| Retained earnings to average equity (ytd only) | 8.3836% | 1,093 |
| Net charge-offs to loans | -0.0498% | 5,546 |
| Credit loss provision to net charge-offs | -368.8525% | 5,309 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6673% | 4,795 |
| Assets per employee ($millions) | 4.5686% | 2,891 |
| Cash dividends to net income (ytd only)* | 22.9148% | 3,120 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6262% | 1,691 |
| Loan loss allowance to noncurrent loans | 1,323.6453% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.0966% | 5,360 |
| Noncurrent loans to loans | 0.1229% | 5,138 |
| Net loans and leases to total assets | 77.3422% | 1,202 |
| Net loans and leases to deposits | 90.9946% | 1,528 |
| Net loans and leases to core deposits | 106.1825% | 1,085 |
| Total domestic deposits to total assets | 84.9965% | 3,007 |
| Equity capital to assets | 13.1226% | 1,385 |
| Core capital (leverage) ratio | 11.0104% | 2,479 |
| Tier 1 risk-based capital ratio | 13.0748% | 4,391 |
| Total risk-based capital ratio | 14.3284% | 4,305 |
| Memoranda: |
| Average total assets | $211,507,750 | 2,846 |
| Average earning assets | $198,420,000 | 2,821 |
| Average equity | $26,750,000 | 2,584 |
| Average total loans | $163,182,500 | 2,442 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2156% | 2,494 |
| Cost of funding earning assets | 0.4777% | 2,452 |
| Net interest margin | 3.7379% | 2,550 |
| Noninterest income to average assets | 0.4737% | 3,530 |
| Noninterest expense to average assets | 2.4382% | 4,439 |
| Loan and lease loss provision to assets | 0.1415% | 1,542 |
| Net operating income to assets | 1.3319% | 1,234 |
| Return on assets (ROA) | 1.3418% | 1,261 |
| Pretax return on assets | 1.4116% | 1,931 |
| Return on Equity (ROE) | 10.7426% | 1,767 |
| Retained earnings to average equity (ytd only) | 8.1741% | 1,197 |
| Net charge-offs to loans | -0.0702% | 5,664 |
| Credit loss provision to net charge-offs | -263.1579% | 5,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2467% | 4,792 |
| Assets per employee ($millions) | 4.6287% | 2,782 |
| Cash dividends to net income (ytd only)* | 23.9100% | 3,055 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6002% | 1,912 |
| Loan loss allowance to noncurrent loans | 1,174.7748% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.1066% | 5,439 |
| Noncurrent loans to loans | 0.1362% | 5,203 |
| Net loans and leases to total assets | 76.9942% | 1,217 |
| Net loans and leases to deposits | 89.1818% | 1,694 |
| Net loans and leases to core deposits | 104.1431% | 1,178 |
| Total domestic deposits to total assets | 86.3340% | 2,514 |
| Equity capital to assets | 12.8997% | 1,450 |
| Core capital (leverage) ratio | 10.5612% | 2,882 |
| Tier 1 risk-based capital ratio | 12.9512% | 4,543 |
| Total risk-based capital ratio | 14.2046% | 4,457 |
| Memoranda: |
| Average total assets | $211,958,000 | 2,861 |
| Average earning assets | $198,880,670 | 2,831 |
| Average equity | $26,474,000 | 2,617 |
| Average total loans | $162,501,000 | 2,458 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1288% | 2,711 |
| Cost of funding earning assets | 0.4745% | 2,509 |
| Net interest margin | 3.6543% | 2,796 |
| Noninterest income to average assets | 0.4939% | 3,323 |
| Noninterest expense to average assets | 2.4061% | 4,574 |
| Loan and lease loss provision to assets | 0.1403% | 1,464 |
| Net operating income to assets | 1.3078% | 1,249 |
| Return on assets (ROA) | 1.3078% | 1,338 |
| Pretax return on assets | 1.3770% | 1,970 |
| Return on Equity (ROE) | 10.6407% | 1,749 |
| Retained earnings to average equity (ytd only) | 8.0528% | 1,553 |
| Net charge-offs to loans | -0.2194% | 6,074 |
| Credit loss provision to net charge-offs | -84.2697% | 4,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3257% | 4,913 |
| Assets per employee ($millions) | 4.6886% | 2,780 |
| Cash dividends to net income (ytd only)* | 24.3205% | 2,460 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5740% | 2,147 |
| Loan loss allowance to noncurrent loans | 804.3887% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.1651% | 5,295 |
| Noncurrent loans to loans | 0.1957% | 5,077 |
| Net loans and leases to total assets | 74.3998% | 1,442 |
| Net loans and leases to deposits | 87.3176% | 1,690 |
| Net loans and leases to core deposits | 99.6801% | 1,342 |
| Total domestic deposits to total assets | 85.2059% | 3,306 |
| Equity capital to assets | 12.3353% | 1,799 |
| Core capital (leverage) ratio | 10.3506% | 3,164 |
| Tier 1 risk-based capital ratio | 12.7370% | 4,765 |
| Total risk-based capital ratio | 13.9901% | 4,685 |
| Memoranda: |
| Average total assets | $213,791,500 | 2,866 |
| Average earning assets | $200,641,000 | 2,832 |
| Average equity | $26,276,500 | 2,651 |
| Average total loans | $162,261,500 | 2,471 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1796% | 3,014 |
| Cost of funding earning assets | 0.5168% | 2,517 |
| Net interest margin | 3.6627% | 3,161 |
| Noninterest income to average assets | 0.5400% | 3,234 |
| Noninterest expense to average assets | 2.4179% | 4,799 |
| Loan and lease loss provision to assets | 0.2090% | 1,198 |
| Net operating income to assets | 1.2899% | 1,328 |
| Return on assets (ROA) | 1.2806% | 1,397 |
| Pretax return on assets | 1.3477% | 2,084 |
| Return on Equity (ROE) | 10.6367% | 1,842 |
| Retained earnings to average equity (ytd only) | 4.6494% | 2,860 |
| Net charge-offs to loans | 0.1295% | 2,721 |
| Credit loss provision to net charge-offs | 219.2118% | 1,140 |
| Earnings coverage of net charge-offs (x) | 16.4335% | 2,010 |
| Efficiency ratio | 60.6836% | 5,119 |
| Assets per employee ($millions) | 4.6067% | 2,867 |
| Cash dividends to net income (ytd only)* | 56.2890% | 1,939 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4867% | 2,539 |
| Loan loss allowance to noncurrent loans | 4,287.5000% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 5,937 |
| Noncurrent loans to loans | 0.0347% | 5,749 |
| Net loans and leases to total assets | 75.0770% | 1,407 |
| Net loans and leases to deposits | 88.3331% | 1,700 |
| Net loans and leases to core deposits | 101.3183% | 1,292 |
| Total domestic deposits to total assets | 84.9931% | 3,281 |
| Equity capital to assets | 12.2454% | 1,826 |
| Core capital (leverage) ratio | 10.0987% | 3,437 |
| Tier 1 risk-based capital ratio | 12.4635% | 5,051 |
| Total risk-based capital ratio | 13.7155% | 4,975 |
| Memoranda: |
| Average total assets | $212,952,000 | 2,854 |
| Average earning assets | $200,260,200 | 2,806 |
| Average equity | $25,637,600 | 2,600 |
| Average total loans | $156,746,600 | 2,473 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1648% | 3,107 |
| Cost of funding earning assets | 0.5263% | 2,500 |
| Net interest margin | 3.6386% | 3,275 |
| Noninterest income to average assets | 0.5484% | 3,212 |
| Noninterest expense to average assets | 2.4163% | 4,775 |
| Loan and lease loss provision to assets | 0.1501% | 1,656 |
| Net operating income to assets | 1.3323% | 1,285 |
| Return on assets (ROA) | 1.3270% | 1,356 |
| Pretax return on assets | 1.3964% | 2,022 |
| Return on Equity (ROE) | 11.0692% | 1,764 |
| Retained earnings to average equity (ytd only) | 8.4766% | 1,158 |
| Net charge-offs to loans | -0.0060% | 5,331 |
| Credit loss provision to net charge-offs | -3,428.5714% | 6,014 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8887% | 5,057 |
| Assets per employee ($millions) | 4.5842% | 2,833 |
| Cash dividends to net income (ytd only)* | 23.4213% | 3,081 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5149% | 2,632 |
| Loan loss allowance to noncurrent loans | 4,296.4286% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 6,061 |
| Noncurrent loans to loans | 0.0353% | 5,883 |
| Net loans and leases to total assets | 74.1744% | 1,501 |
| Net loans and leases to deposits | 86.9633% | 1,795 |
| Net loans and leases to core deposits | 97.4396% | 1,556 |
| Total domestic deposits to total assets | 85.2939% | 3,218 |
| Equity capital to assets | 12.5669% | 1,654 |
| Core capital (leverage) ratio | 10.4284% | 3,124 |
| Tier 1 risk-based capital ratio | 12.8074% | 4,969 |
| Total risk-based capital ratio | 14.0600% | 4,884 |
| Memoranda: |
| Average total assets | $213,212,750 | 2,870 |
| Average earning assets | $200,404,250 | 2,823 |
| Average equity | $25,559,750 | 2,619 |
| Average total loans | $155,559,250 | 2,497 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1364% | 3,201 |
| Cost of funding earning assets | 0.5349% | 2,491 |
| Net interest margin | 3.6015% | 3,352 |
| Noninterest income to average assets | 0.5075% | 3,425 |
| Noninterest expense to average assets | 2.4375% | 4,778 |
| Loan and lease loss provision to assets | 0.1963% | 1,242 |
| Net operating income to assets | 1.1964% | 1,601 |
| Return on assets (ROA) | 1.1982% | 1,663 |
| Pretax return on assets | 1.2608% | 2,406 |
| Return on Equity (ROE) | 10.1559% | 2,077 |
| Retained earnings to average equity (ytd only) | 7.5655% | 1,492 |
| Net charge-offs to loans | -0.0401% | 5,780 |
| Credit loss provision to net charge-offs | -677.4194% | 5,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6170% | 4,925 |
| Assets per employee ($millions) | 4.6392% | 2,716 |
| Cash dividends to net income (ytd only)* | 25.5070% | 2,975 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5396% | 2,725 |
| Loan loss allowance to noncurrent loans | 3,750.0000% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0300% | 6,117 |
| Noncurrent loans to loans | 0.0411% | 5,927 |
| Net loans and leases to total assets | 71.9214% | 1,761 |
| Net loans and leases to deposits | 86.0527% | 1,811 |
| Net loans and leases to core deposits | 95.6077% | 1,634 |
| Total domestic deposits to total assets | 83.5783% | 4,081 |
| Equity capital to assets | 12.1222% | 1,901 |
| Core capital (leverage) ratio | 9.7355% | 3,989 |
| Tier 1 risk-based capital ratio | 12.5550% | 5,191 |
| Total risk-based capital ratio | 13.8075% | 5,116 |
| Memoranda: |
| Average total assets | $213,993,000 | 2,876 |
| Average earning assets | $201,140,330 | 2,824 |
| Average equity | $25,246,330 | 2,633 |
| Average total loans | $154,472,670 | 2,510 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1448% | 3,110 |
| Cost of funding earning assets | 0.5445% | 2,468 |
| Net interest margin | 3.6003% | 3,241 |
| Noninterest income to average assets | 0.5040% | 3,380 |
| Noninterest expense to average assets | 2.3837% | 4,977 |
| Loan and lease loss provision to assets | 0.1960% | 1,194 |
| Net operating income to assets | 1.2301% | 1,397 |
| Return on assets (ROA) | 1.2301% | 1,451 |
| Pretax return on assets | 1.2936% | 2,114 |
| Return on Equity (ROE) | 10.5715% | 1,837 |
| Retained earnings to average equity (ytd only) | 8.1331% | 1,551 |
| Net charge-offs to loans | -0.0416% | 5,727 |
| Credit loss provision to net charge-offs | -656.2500% | 5,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5422% | 5,195 |
| Assets per employee ($millions) | 4.5553% | 2,883 |
| Cash dividends to net income (ytd only)* | 23.0653% | 2,462 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4976% | 3,154 |
| Loan loss allowance to noncurrent loans | 3,800.0000% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0280% | 6,212 |
| Noncurrent loans to loans | 0.0394% | 6,031 |
| Net loans and leases to total assets | 70.0458% | 1,876 |
| Net loans and leases to deposits | 80.5833% | 2,217 |
| Net loans and leases to core deposits | 89.1113% | 1,991 |
| Total domestic deposits to total assets | 86.9234% | 2,859 |
| Equity capital to assets | 11.7856% | 2,025 |
| Core capital (leverage) ratio | 9.7801% | 3,889 |
| Tier 1 risk-based capital ratio | 12.5177% | 5,302 |
| Total risk-based capital ratio | 13.7694% | 5,237 |
| Memoranda: |
| Average total assets | $214,289,000 | 2,885 |
| Average earning assets | $200,538,500 | 2,846 |
| Average equity | $24,935,000 | 2,650 |
| Average total loans | $153,768,500 | 2,539 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3299% | 2,846 |
| Cost of funding earning assets | 0.6432% | 2,266 |
| Net interest margin | 3.6866% | 3,108 |
| Noninterest income to average assets | 0.6046% | 3,068 |
| Noninterest expense to average assets | 2.5483% | 4,616 |
| Loan and lease loss provision to assets | 0.1885% | 1,959 |
| Net operating income to assets | 1.2500% | 1,392 |
| Return on assets (ROA) | 1.2657% | 1,399 |
| Pretax return on assets | 1.3331% | 2,036 |
| Return on Equity (ROE) | 11.0161% | 1,762 |
| Retained earnings to average equity (ytd only) | 4.1464% | 3,221 |
| Net charge-offs to loans | 0.1078% | 3,752 |
| Credit loss provision to net charge-offs | 246.9136% | 927 |
| Earnings coverage of net charge-offs (x) | 19.7160% | 1,592 |
| Efficiency ratio | 62.4971% | 5,122 |
| Assets per employee ($millions) | 4.5634% | 2,791 |
| Cash dividends to net income (ytd only)* | 62.3604% | 1,652 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3903% | 3,702 |
| Loan loss allowance to noncurrent loans | 899.5833% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.1119% | 5,995 |
| Noncurrent loans to loans | 0.1546% | 5,731 |
| Net loans and leases to total assets | 71.3966% | 1,776 |
| Net loans and leases to deposits | 84.1055% | 1,930 |
| Net loans and leases to core deposits | 92.8218% | 1,694 |
| Total domestic deposits to total assets | 84.8894% | 3,804 |
| Equity capital to assets | 11.4870% | 2,176 |
| Core capital (leverage) ratio | 9.5428% | 4,199 |
| Tier 1 risk-based capital ratio | 11.9074% | 5,667 |
| Total risk-based capital ratio | 13.1583% | 5,606 |
| Memoranda: |
| Average total assets | $212,218,000 | 2,892 |
| Average earning assets | $198,527,600 | 2,841 |
| Average equity | $24,382,400 | 2,692 |
| Average total loans | $150,237,600 | 2,554 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3316% | 2,865 |
| Cost of funding earning assets | 0.6615% | 2,251 |
| Net interest margin | 3.6701% | 3,149 |
| Noninterest income to average assets | 0.5518% | 3,442 |
| Noninterest expense to average assets | 2.5009% | 4,717 |
| Loan and lease loss provision to assets | 0.1417% | 2,517 |
| Net operating income to assets | 1.2767% | 1,408 |
| Return on assets (ROA) | 1.2977% | 1,421 |
| Pretax return on assets | 1.3670% | 2,049 |
| Return on Equity (ROE) | 11.2942% | 1,708 |
| Retained earnings to average equity (ytd only) | 5.2633% | 2,898 |
| Net charge-offs to loans | -0.0107% | 5,905 |
| Credit loss provision to net charge-offs | -1,875.0000% | 6,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3381% | 5,089 |
| Assets per employee ($millions) | 4.3744% | 3,093 |
| Cash dividends to net income (ytd only)* | 53.3980% | 1,718 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4194% | 3,813 |
| Loan loss allowance to noncurrent loans | 1,672.8682% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0614% | 6,265 |
| Noncurrent loans to loans | 0.0848% | 6,077 |
| Net loans and leases to total assets | 71.3803% | 1,709 |
| Net loans and leases to deposits | 83.2115% | 1,975 |
| Net loans and leases to core deposits | 90.9774% | 1,872 |
| Total domestic deposits to total assets | 85.7818% | 3,363 |
| Equity capital to assets | 11.7483% | 2,089 |
| Core capital (leverage) ratio | 9.6331% | 4,198 |
| Tier 1 risk-based capital ratio | 11.5916% | 6,011 |
| Total risk-based capital ratio | 12.8420% | 5,979 |
| Memoranda: |
| Average total assets | $211,653,000 | 2,923 |
| Average earning assets | $198,134,250 | 2,873 |
| Average equity | $24,318,750 | 2,729 |
| Average total loans | $148,974,750 | 2,583 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3268% | 2,843 |
| Cost of funding earning assets | 0.6803% | 2,216 |
| Net interest margin | 3.6465% | 3,193 |
| Noninterest income to average assets | 0.5391% | 3,573 |
| Noninterest expense to average assets | 2.5003% | 4,727 |
| Loan and lease loss provision to assets | 0.1414% | 2,563 |
| Net operating income to assets | 1.2412% | 1,485 |
| Return on assets (ROA) | 1.2412% | 1,579 |
| Pretax return on assets | 1.3072% | 2,275 |
| Return on Equity (ROE) | 10.8832% | 1,850 |
| Retained earnings to average equity (ytd only) | 3.2394% | 4,248 |
| Net charge-offs to loans | -0.0473% | 6,246 |
| Credit loss provision to net charge-offs | -428.5714% | 5,879 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9356% | 5,027 |
| Assets per employee ($millions) | 4.5162% | 2,798 |
| Cash dividends to net income (ytd only)* | 70.2354% | 1,184 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4238% | 3,929 |
| Loan loss allowance to noncurrent loans | 1,571.6418% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0645% | 6,307 |
| Noncurrent loans to loans | 0.0906% | 6,127 |
| Net loans and leases to total assets | 70.1877% | 1,854 |
| Net loans and leases to deposits | 79.5706% | 2,390 |
| Net loans and leases to core deposits | 88.1043% | 2,092 |
| Total domestic deposits to total assets | 88.2080% | 2,105 |
| Equity capital to assets | 11.5007% | 2,295 |
| Core capital (leverage) ratio | 9.3085% | 4,526 |
| Tier 1 risk-based capital ratio | 11.8886% | 5,857 |
| Total risk-based capital ratio | 13.1393% | 5,812 |
| Memoranda: |
| Average total assets | $212,213,670 | 2,936 |
| Average earning assets | $198,439,000 | 2,888 |
| Average equity | $24,202,330 | 2,749 |
| Average total loans | $147,954,330 | 2,600 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3125% | 2,843 |
| Cost of funding earning assets | 0.6998% | 2,211 |
| Net interest margin | 3.6127% | 3,206 |
| Noninterest income to average assets | 0.5652% | 3,341 |
| Noninterest expense to average assets | 2.4659% | 4,881 |
| Loan and lease loss provision to assets | 0.1399% | 2,495 |
| Net operating income to assets | 1.2628% | 1,367 |
| Return on assets (ROA) | 1.2628% | 1,471 |
| Pretax return on assets | 1.3299% | 2,123 |
| Return on Equity (ROE) | 11.1177% | 1,674 |
| Retained earnings to average equity (ytd only) | -2.2662% | 6,106 |
| Net charge-offs to loans | 0.1298% | 2,627 |
| Credit loss provision to net charge-offs | 156.2500% | 1,319 |
| Earnings coverage of net charge-offs (x) | 16.4167% | 1,365 |
| Efficiency ratio | 62.2749% | 5,270 |
| Assets per employee ($millions) | 4.5957% | 2,806 |
| Cash dividends to net income (ytd only)* | 120.3840% | 500 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3485% | 4,475 |
| Loan loss allowance to noncurrent loans | 1,126.0116% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.0889% | 6,324 |
| Noncurrent loans to loans | 0.1198% | 6,112 |
| Net loans and leases to total assets | 67.4123% | 2,120 |
| Net loans and leases to deposits | 76.3982% | 2,573 |
| Net loans and leases to core deposits | 83.3598% | 2,416 |
| Total domestic deposits to total assets | 88.2380% | 2,171 |
| Equity capital to assets | 11.4710% | 2,436 |
| Core capital (leverage) ratio | 8.9360% | 4,993 |
| Tier 1 risk-based capital ratio | 11.8175% | 6,020 |
| Total risk-based capital ratio | 13.0605% | 5,998 |
| Memoranda: |
| Average total assets | $214,449,000 | 2,936 |
| Average earning assets | $200,070,500 | 2,903 |
| Average equity | $24,357,500 | 2,772 |
| Average total loans | $147,973,500 | 2,613 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7343% | 2,448 |
| Cost of funding earning assets | 0.8784% | 2,079 |
| Net interest margin | 3.8560% | 2,998 |
| Noninterest income to average assets | 0.5335% | 3,688 |
| Noninterest expense to average assets | 2.6874% | 4,445 |
| Loan and lease loss provision to assets | 0.1630% | 3,577 |
| Net operating income to assets | 1.2092% | 1,575 |
| Return on assets (ROA) | 1.1993% | 1,772 |
| Pretax return on assets | 1.2636% | 2,549 |
| Return on Equity (ROE) | 10.7618% | 1,884 |
| Retained earnings to average equity (ytd only) | 8.0268% | 1,115 |
| Net charge-offs to loans | 0.1655% | 4,055 |
| Credit loss provision to net charge-offs | 143.1535% | 1,908 |
| Earnings coverage of net charge-offs (x) | 12.6183% | 1,908 |
| Efficiency ratio | 64.6654% | 4,765 |
| Assets per employee ($millions) | 4.7282% | 2,607 |
| Cash dividends to net income (ytd only)* | 25.4137% | 3,557 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2681% | 4,790 |
| Loan loss allowance to noncurrent loans | 522.0109% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.1761% | 6,124 |
| Noncurrent loans to loans | 0.2429% | 5,872 |
| Net loans and leases to total assets | 68.7677% | 2,072 |
| Net loans and leases to deposits | 81.7275% | 2,036 |
| Net loans and leases to core deposits | 88.9295% | 1,981 |
| Total domestic deposits to total assets | 84.1427% | 4,252 |
| Equity capital to assets | 11.2485% | 2,688 |
| Core capital (leverage) ratio | 8.9130% | 5,028 |
| Tier 1 risk-based capital ratio | 11.4334% | 6,147 |
| Total risk-based capital ratio | 12.6110% | 6,157 |
| Memoranda: |
| Average total assets | $211,617,400 | 2,907 |
| Average earning assets | $197,071,800 | 2,873 |
| Average equity | $23,583,400 | 2,790 |
| Average total loans | $145,637,800 | 2,637 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8230% | 2,302 |
| Cost of funding earning assets | 0.8924% | 2,224 |
| Net interest margin | 3.9306% | 2,800 |
| Noninterest income to average assets | 0.5190% | 3,806 |
| Noninterest expense to average assets | 2.6761% | 4,470 |
| Loan and lease loss provision to assets | 0.1428% | 3,748 |
| Net operating income to assets | 1.2917% | 1,461 |
| Return on assets (ROA) | 1.2784% | 1,644 |
| Pretax return on assets | 1.3470% | 2,424 |
| Return on Equity (ROE) | 11.4994% | 1,791 |
| Retained earnings to average equity (ytd only) | 9.0740% | 1,201 |
| Net charge-offs to loans | 0.1544% | 3,879 |
| Credit loss provision to net charge-offs | 134.7305% | 2,139 |
| Earnings coverage of net charge-offs (x) | 14.1917% | 1,856 |
| Efficiency ratio | 63.5398% | 4,882 |
| Assets per employee ($millions) | 4.5202% | 2,880 |
| Cash dividends to net income (ytd only)* | 21.0917% | 2,997 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2720% | 4,938 |
| Loan loss allowance to noncurrent loans | 174.7437% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.5121% | 5,392 |
| Noncurrent loans to loans | 0.7279% | 4,970 |
| Net loans and leases to total assets | 68.5034% | 2,215 |
| Net loans and leases to deposits | 79.1496% | 2,520 |
| Net loans and leases to core deposits | 86.4771% | 2,400 |
| Total domestic deposits to total assets | 86.5492% | 2,952 |
| Equity capital to assets | 11.4941% | 2,747 |
| Core capital (leverage) ratio | 8.8311% | 5,293 |
| Tier 1 risk-based capital ratio | 11.2169% | 6,391 |
| Total risk-based capital ratio | 12.3638% | 6,409 |
| Memoranda: |
| Average total assets | $210,147,750 | 2,958 |
| Average earning assets | $195,725,000 | 2,917 |
| Average equity | $23,363,000 | 2,837 |
| Average total loans | $144,175,250 | 2,695 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8297% | 2,383 |
| Cost of funding earning assets | 0.9045% | 2,359 |
| Net interest margin | 3.9253% | 2,810 |
| Noninterest income to average assets | 0.4881% | 4,001 |
| Noninterest expense to average assets | 2.7357% | 4,262 |
| Loan and lease loss provision to assets | 0.1433% | 3,725 |
| Net operating income to assets | 1.2050% | 1,696 |
| Return on assets (ROA) | 1.2150% | 1,859 |
| Pretax return on assets | 1.2800% | 2,630 |
| Return on Equity (ROE) | 11.0556% | 1,975 |
| Retained earnings to average equity (ytd only) | 9.4042% | 1,137 |
| Net charge-offs to loans | 0.0238% | 5,058 |
| Credit loss provision to net charge-offs | 882.3529% | 369 |
| Earnings coverage of net charge-offs (x) | 87.0000% | 473 |
| Efficiency ratio | 65.4386% | 4,637 |
| Assets per employee ($millions) | 4.5276% | 2,848 |
| Cash dividends to net income (ytd only)* | 14.9371% | 3,155 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3243% | 4,774 |
| Loan loss allowance to noncurrent loans | 170.7531% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.5367% | 5,423 |
| Noncurrent loans to loans | 0.7756% | 4,958 |
| Net loans and leases to total assets | 68.2787% | 2,243 |
| Net loans and leases to deposits | 80.6581% | 2,286 |
| Net loans and leases to core deposits | 88.3263% | 2,174 |
| Total domestic deposits to total assets | 84.6520% | 4,030 |
| Equity capital to assets | 11.1458% | 2,968 |
| Core capital (leverage) ratio | 8.8219% | 5,179 |
| Tier 1 risk-based capital ratio | 11.0996% | 6,449 |
| Total risk-based capital ratio | 12.3142% | 6,437 |
| Memoranda: |
| Average total assets | $209,381,000 | 2,971 |
| Average earning assets | $195,248,670 | 2,934 |
| Average equity | $23,011,000 | 2,852 |
| Average total loans | $143,097,330 | 2,722 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7598% | 2,808 |
| Cost of funding earning assets | 0.9178% | 2,543 |
| Net interest margin | 3.8420% | 3,174 |
| Noninterest income to average assets | 0.5624% | 3,476 |
| Noninterest expense to average assets | 2.6927% | 4,447 |
| Loan and lease loss provision to assets | 0.2889% | 2,151 |
| Net operating income to assets | 1.1182% | 1,997 |
| Return on assets (ROA) | 1.1383% | 2,114 |
| Pretax return on assets | 1.1980% | 2,919 |
| Return on Equity (ROE) | 10.4336% | 2,259 |
| Retained earnings to average equity (ytd only) | 7.0793% | 2,394 |
| Net charge-offs to loans | -0.0340% | 6,390 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,955 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2427% | 4,881 |
| Assets per employee ($millions) | 4.4404% | 3,103 |
| Cash dividends to net income (ytd only)* | 32.1489% | 2,018 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4020% | 4,603 |
| Loan loss allowance to noncurrent loans | 96.2081% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 1.1102% | 4,275 |
| Noncurrent loans to loans | 1.4572% | 3,930 |
| Net loans and leases to total assets | 66.6897% | 2,353 |
| Net loans and leases to deposits | 75.2097% | 2,942 |
| Net loans and leases to core deposits | 82.0071% | 2,836 |
| Total domestic deposits to total assets | 88.6717% | 1,902 |
| Equity capital to assets | 10.9781% | 2,929 |
| Core capital (leverage) ratio | 8.5668% | 5,486 |
| Tier 1 risk-based capital ratio | 11.0798% | 6,503 |
| Total risk-based capital ratio | 12.3303% | 6,485 |
| Memoranda: |
| Average total assets | $207,673,000 | 3,018 |
| Average earning assets | $194,379,000 | 2,968 |
| Average equity | $22,657,500 | 2,889 |
| Average total loans | $141,023,500 | 2,771 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2170% | 1,999 |
| Cost of funding earning assets | 1.1635% | 2,260 |
| Net interest margin | 4.0534% | 2,622 |
| Noninterest income to average assets | 0.5973% | 3,182 |
| Noninterest expense to average assets | 2.8093% | 4,316 |
| Loan and lease loss provision to assets | 0.3020% | 3,254 |
| Net operating income to assets | 1.1830% | 1,555 |
| Return on assets (ROA) | 1.1830% | 1,669 |
| Pretax return on assets | 1.2465% | 2,309 |
| Return on Equity (ROE) | 10.2699% | 1,964 |
| Retained earnings to average equity (ytd only) | 2.5857% | 4,384 |
| Net charge-offs to loans | 0.2711% | 4,079 |
| Credit loss provision to net charge-offs | 157.9670% | 1,756 |
| Earnings coverage of net charge-offs (x) | 8.0989% | 2,213 |
| Efficiency ratio | 63.9465% | 5,138 |
| Assets per employee ($millions) | 4.3052% | 3,238 |
| Cash dividends to net income (ytd only)* | 74.8224% | 962 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2897% | 4,961 |
| Loan loss allowance to noncurrent loans | 85.2651% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 1.1570% | 4,300 |
| Noncurrent loans to loans | 1.5125% | 3,877 |
| Net loans and leases to total assets | 67.2985% | 2,518 |
| Net loans and leases to deposits | 82.3924% | 2,148 |
| Net loans and leases to core deposits | 86.2376% | 2,605 |
| Total domestic deposits to total assets | 81.6804% | 5,242 |
| Equity capital to assets | 10.8416% | 3,145 |
| Core capital (leverage) ratio | 8.4511% | 5,637 |
| Tier 1 risk-based capital ratio | 10.6834% | 6,613 |
| Total risk-based capital ratio | 11.8448% | 6,623 |
| Memoranda: |
| Average total assets | $190,370,600 | 3,180 |
| Average earning assets | $176,615,200 | 3,134 |
| Average equity | $21,928,200 | 2,902 |
| Average total loans | $134,283,600 | 2,914 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3047% | 1,837 |
| Cost of funding earning assets | 1.2202% | 2,191 |
| Net interest margin | 4.0844% | 2,532 |
| Noninterest income to average assets | 0.6133% | 3,087 |
| Noninterest expense to average assets | 2.8863% | 3,989 |
| Loan and lease loss provision to assets | 0.3757% | 2,601 |
| Net operating income to assets | 1.0807% | 2,042 |
| Return on assets (ROA) | 1.0807% | 2,184 |
| Pretax return on assets | 1.1386% | 2,863 |
| Return on Equity (ROE) | 9.2313% | 2,490 |
| Retained earnings to average equity (ytd only) | 4.9214% | 3,226 |
| Net charge-offs to loans | 0.2644% | 3,789 |
| Credit loss provision to net charge-offs | 199.6198% | 1,467 |
| Earnings coverage of net charge-offs (x) | 8.0456% | 2,247 |
| Efficiency ratio | 65.0675% | 4,888 |
| Assets per employee ($millions) | 4.0198% | 3,806 |
| Cash dividends to net income (ytd only)* | 46.6890% | 1,726 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3661% | 4,705 |
| Loan loss allowance to noncurrent loans | 76.9357% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 1.2584% | 4,283 |
| Noncurrent loans to loans | 1.7757% | 3,671 |
| Net loans and leases to total assets | 69.8986% | 2,103 |
| Net loans and leases to deposits | 83.7830% | 2,035 |
| Net loans and leases to core deposits | 87.1370% | 2,611 |
| Total domestic deposits to total assets | 83.4282% | 4,510 |
| Equity capital to assets | 11.7498% | 2,450 |
| Core capital (leverage) ratio | 9.2644% | 4,519 |
| Tier 1 risk-based capital ratio | 11.2684% | 6,389 |
| Total risk-based capital ratio | 12.5109% | 6,373 |
| Memoranda: |
| Average total assets | $186,301,250 | 3,258 |
| Average earning assets | $172,749,750 | 3,205 |
| Average equity | $21,809,250 | 2,903 |
| Average total loans | $132,632,500 | 2,962 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2775% | 1,965 |
| Cost of funding earning assets | 1.2829% | 2,050 |
| Net interest margin | 3.9945% | 2,862 |
| Noninterest income to average assets | 0.5954% | 3,173 |
| Noninterest expense to average assets | 2.9693% | 3,760 |
| Loan and lease loss provision to assets | 0.4074% | 2,396 |
| Net operating income to assets | 0.8920% | 2,676 |
| Return on assets (ROA) | 0.8920% | 2,784 |
| Pretax return on assets | 0.9398% | 3,475 |
| Return on Equity (ROE) | 7.6294% | 3,130 |
| Retained earnings to average equity (ytd only) | 4.3769% | 3,408 |
| Net charge-offs to loans | 0.4114% | 2,906 |
| Credit loss provision to net charge-offs | 138.8889% | 2,192 |
| Earnings coverage of net charge-offs (x) | 4.5926% | 2,820 |
| Efficiency ratio | 68.2356% | 4,474 |
| Assets per employee ($millions) | 3.9509% | 3,864 |
| Cash dividends to net income (ytd only)* | 42.6309% | 1,966 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3085% | 5,020 |
| Loan loss allowance to noncurrent loans | 70.4115% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 1.3086% | 4,283 |
| Noncurrent loans to loans | 1.8584% | 3,669 |
| Net loans and leases to total assets | 69.4966% | 2,320 |
| Net loans and leases to deposits | 81.4148% | 2,537 |
| Net loans and leases to core deposits | 84.9689% | 3,078 |
| Total domestic deposits to total assets | 85.3612% | 3,694 |
| Equity capital to assets | 11.8875% | 2,178 |
| Core capital (leverage) ratio | 9.1177% | 4,535 |
| Tier 1 risk-based capital ratio | 11.6373% | 6,067 |
| Total risk-based capital ratio | 12.8369% | 6,093 |
| Memoranda: |
| Average total assets | $184,085,670 | 3,316 |
| Average earning assets | $171,484,330 | 3,254 |
| Average equity | $21,522,000 | 2,921 |
| Average total loans | $131,264,670 | 3,017 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2134% | 2,176 |
| Cost of funding earning assets | 1.3700% | 1,771 |
| Net interest margin | 3.8434% | 3,400 |
| Noninterest income to average assets | 0.6002% | 3,166 |
| Noninterest expense to average assets | 2.9659% | 3,786 |
| Loan and lease loss provision to assets | 0.4910% | 1,788 |
| Net operating income to assets | 0.6940% | 3,533 |
| Return on assets (ROA) | 0.6940% | 3,602 |
| Pretax return on assets | 0.7311% | 4,185 |
| Return on Equity (ROE) | 5.9870% | 3,907 |
| Retained earnings to average equity (ytd only) | 2.9747% | 4,384 |
| Net charge-offs to loans | 0.8273% | 1,589 |
| Credit loss provision to net charge-offs | 82.7206% | 3,102 |
| Earnings coverage of net charge-offs (x) | 2.0588% | 3,266 |
| Efficiency ratio | 70.2449% | 4,208 |
| Assets per employee ($millions) | 3.9052% | 4,062 |
| Cash dividends to net income (ytd only)* | 50.3145% | 1,466 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1967% | 5,652 |
| Loan loss allowance to noncurrent loans | 58.6531% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 1.4420% | 4,107 |
| Noncurrent loans to loans | 2.0403% | 3,524 |
| Net loans and leases to total assets | 68.6672% | 2,410 |
| Net loans and leases to deposits | 80.1764% | 2,688 |
| Net loans and leases to core deposits | 83.4745% | 3,236 |
| Total domestic deposits to total assets | 85.6452% | 3,715 |
| Equity capital to assets | 11.3097% | 2,406 |
| Core capital (leverage) ratio | 9.0501% | 4,531 |
| Tier 1 risk-based capital ratio | 11.4752% | 6,121 |
| Total risk-based capital ratio | 12.5745% | 6,218 |
| Memoranda: |
| Average total assets | $183,283,000 | 3,351 |
| Average earning assets | $171,099,000 | 3,284 |
| Average equity | $21,246,000 | 2,952 |
| Average total loans | $131,517,000 | 3,041 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7841% | 1,320 |
| Cost of funding earning assets | 1.5419% | 2,395 |
| Net interest margin | 4.2422% | 2,023 |
| Noninterest income to average assets | 0.7188% | 2,720 |
| Noninterest expense to average assets | 3.0366% | 3,705 |
| Loan and lease loss provision to assets | 0.4889% | 3,216 |
| Net operating income to assets | 1.0520% | 1,866 |
| Return on assets (ROA) | 1.0791% | 1,858 |
| Pretax return on assets | 1.1373% | 2,440 |
| Return on Equity (ROE) | 8.8137% | 2,371 |
| Retained earnings to average equity (ytd only) | 3.4656% | 3,441 |
| Net charge-offs to loans | 0.5777% | 3,314 |
| Credit loss provision to net charge-offs | 114.2857% | 3,796 |
| Earnings coverage of net charge-offs (x) | 3.7347% | 3,214 |
| Efficiency ratio | 64.9837% | 5,168 |
| Assets per employee ($millions) | 3.6554% | 4,568 |
| Cash dividends to net income (ytd only)* | 60.6796% | 1,602 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2097% | 5,457 |
| Loan loss allowance to noncurrent loans | 49.2034% | 5,053 |
| Noncurrent assets plus other real estate owned to assets | 1.8669% | 3,528 |
| Noncurrent loans to loans | 2.4586% | 3,066 |
| Net loans and leases to total assets | 73.2220% | 1,822 |
| Net loans and leases to deposits | 86.3400% | 2,038 |
| Net loans and leases to core deposits | 89.8622% | 2,790 |
| Total domestic deposits to total assets | 84.8066% | 3,943 |
| Equity capital to assets | 11.8872% | 1,980 |
| Core capital (leverage) ratio | 9.1117% | 4,336 |
| Tier 1 risk-based capital ratio | 11.4638% | 5,939 |
| Total risk-based capital ratio | 12.6069% | 6,024 |
| Memoranda: |
| Average total assets | $171,804,600 | 3,503 |
| Average earning assets | $158,571,600 | 3,473 |
| Average equity | $21,035,400 | 3,002 |
| Average total loans | $127,221,800 | 3,173 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8437% | 1,274 |
| Cost of funding earning assets | 1.5567% | 2,627 |
| Net interest margin | 4.2870% | 1,890 |
| Noninterest income to average assets | 0.7318% | 2,628 |
| Noninterest expense to average assets | 3.0443% | 3,597 |
| Loan and lease loss provision to assets | 0.5177% | 2,865 |
| Net operating income to assets | 1.0632% | 2,024 |
| Return on assets (ROA) | 1.0997% | 1,993 |
| Pretax return on assets | 1.1593% | 2,640 |
| Return on Equity (ROE) | 8.9136% | 2,519 |
| Retained earnings to average equity (ytd only) | 4.1771% | 3,539 |
| Net charge-offs to loans | 0.4334% | 3,564 |
| Credit loss provision to net charge-offs | 161.3692% | 2,342 |
| Earnings coverage of net charge-offs (x) | 5.1076% | 2,850 |
| Efficiency ratio | 64.4724% | 5,163 |
| Assets per employee ($millions) | 3.5813% | 4,776 |
| Cash dividends to net income (ytd only)* | 53.1384% | 1,516 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3064% | 4,931 |
| Loan loss allowance to noncurrent loans | 49.3243% | 5,002 |
| Noncurrent assets plus other real estate owned to assets | 2.0440% | 3,413 |
| Noncurrent loans to loans | 2.6487% | 2,982 |
| Net loans and leases to total assets | 75.4214% | 1,509 |
| Net loans and leases to deposits | 89.2529% | 1,827 |
| Net loans and leases to core deposits | 92.9720% | 2,662 |
| Total domestic deposits to total assets | 84.5030% | 3,863 |
| Equity capital to assets | 12.2090% | 2,030 |
| Core capital (leverage) ratio | 9.5390% | 3,846 |
| Tier 1 risk-based capital ratio | 11.3641% | 6,045 |
| Total risk-based capital ratio | 12.6067% | 6,035 |
| Memoranda: |
| Average total assets | $169,976,500 | 3,580 |
| Average earning assets | $156,654,000 | 3,556 |
| Average equity | $20,971,250 | 3,051 |
| Average total loans | $125,837,500 | 3,250 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8590% | 1,282 |
| Cost of funding earning assets | 1.5509% | 2,954 |
| Net interest margin | 4.3081% | 1,740 |
| Noninterest income to average assets | 0.7113% | 2,640 |
| Noninterest expense to average assets | 3.0165% | 3,647 |
| Loan and lease loss provision to assets | 0.5234% | 2,695 |
| Net operating income to assets | 1.0848% | 1,907 |
| Return on assets (ROA) | 1.0848% | 1,976 |
| Pretax return on assets | 1.1431% | 2,616 |
| Return on Equity (ROE) | 8.7608% | 2,562 |
| Retained earnings to average equity (ytd only) | 3.8136% | 3,667 |
| Net charge-offs to loans | 0.6207% | 2,672 |
| Credit loss provision to net charge-offs | 115.1832% | 3,529 |
| Earnings coverage of net charge-offs (x) | 3.6675% | 3,220 |
| Efficiency ratio | 63.8811% | 5,363 |
| Assets per employee ($millions) | 3.5590% | 4,781 |
| Cash dividends to net income (ytd only)* | 56.4693% | 1,443 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2102% | 5,397 |
| Loan loss allowance to noncurrent loans | 50.3390% | 4,945 |
| Noncurrent assets plus other real estate owned to assets | 1.8129% | 3,740 |
| Noncurrent loans to loans | 2.4041% | 3,250 |
| Net loans and leases to total assets | 74.4966% | 1,811 |
| Net loans and leases to deposits | 86.8732% | 2,362 |
| Net loans and leases to core deposits | 90.2409% | 3,218 |
| Total domestic deposits to total assets | 85.7533% | 3,232 |
| Equity capital to assets | 12.3291% | 1,909 |
| Core capital (leverage) ratio | 9.4450% | 3,906 |
| Tier 1 risk-based capital ratio | 11.5755% | 5,693 |
| Total risk-based capital ratio | 12.7212% | 5,774 |
| Memoranda: |
| Average total assets | $168,140,000 | 3,635 |
| Average earning assets | $155,010,670 | 3,619 |
| Average equity | $20,820,000 | 3,060 |
| Average total loans | $123,081,330 | 3,343 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8418% | 1,342 |
| Cost of funding earning assets | 1.5172% | 3,442 |
| Net interest margin | 4.3245% | 1,614 |
| Noninterest income to average assets | 0.6979% | 2,616 |
| Noninterest expense to average assets | 2.9210% | 3,980 |
| Loan and lease loss provision to assets | 0.2878% | 3,721 |
| Net operating income to assets | 1.3885% | 1,100 |
| Return on assets (ROA) | 1.3885% | 1,176 |
| Pretax return on assets | 1.4605% | 1,617 |
| Return on Equity (ROE) | 11.1889% | 1,723 |
| Retained earnings to average equity (ytd only) | 6.0679% | 2,592 |
| Net charge-offs to loans | 0.0366% | 5,068 |
| Credit loss provision to net charge-offs | 1,090.9091% | 434 |
| Earnings coverage of net charge-offs (x) | 66.2727% | 462 |
| Efficiency ratio | 61.9928% | 5,835 |
| Assets per employee ($millions) | 3.6077% | 4,800 |
| Cash dividends to net income (ytd only)* | 45.7686% | 1,589 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3082% | 4,892 |
| Loan loss allowance to noncurrent loans | 60.6631% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 1.5652% | 4,156 |
| Noncurrent loans to loans | 2.1564% | 3,584 |
| Net loans and leases to total assets | 71.6330% | 2,539 |
| Net loans and leases to deposits | 83.4918% | 3,024 |
| Net loans and leases to core deposits | 86.2137% | 3,863 |
| Total domestic deposits to total assets | 85.7964% | 3,263 |
| Equity capital to assets | 12.2928% | 1,878 |
| Core capital (leverage) ratio | 9.7570% | 3,447 |
| Tier 1 risk-based capital ratio | 11.6985% | 5,494 |
| Total risk-based capital ratio | 12.9014% | 5,488 |
| Memoranda: |
| Average total assets | $166,794,000 | 3,716 |
| Average earning assets | $153,172,500 | 3,701 |
| Average equity | $20,699,000 | 3,099 |
| Average total loans | $120,210,500 | 3,460 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0719% | 1,596 |
| Cost of funding earning assets | 1.7924% | 4,028 |
| Net interest margin | 4.2795% | 1,779 |
| Noninterest income to average assets | 0.7463% | 2,705 |
| Noninterest expense to average assets | 3.0421% | 3,982 |
| Loan and lease loss provision to assets | 0.5456% | 3,642 |
| Net operating income to assets | 1.0145% | 1,791 |
| Return on assets (ROA) | 1.0163% | 1,832 |
| Pretax return on assets | 1.0712% | 2,339 |
| Return on Equity (ROE) | 8.2195% | 2,281 |
| Retained earnings to average equity (ytd only) | 3.5550% | 2,691 |
| Net charge-offs to loans | 0.5485% | 3,593 |
| Credit loss provision to net charge-offs | 139.3312% | 3,513 |
| Earnings coverage of net charge-offs (x) | 4.1242% | 3,049 |
| Efficiency ratio | 64.7342% | 5,637 |
| Assets per employee ($millions) | 3.4172% | 5,216 |
| Cash dividends to net income (ytd only)* | 56.7485% | 2,158 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2791% | 4,878 |
| Loan loss allowance to noncurrent loans | 54.9616% | 4,697 |
| Noncurrent assets plus other real estate owned to assets | 1.6650% | 3,872 |
| Noncurrent loans to loans | 2.3273% | 3,260 |
| Net loans and leases to total assets | 70.6276% | 3,098 |
| Net loans and leases to deposits | 82.6151% | 3,516 |
| Net loans and leases to core deposits | 100.4082% | 3,954 |
| Total domestic deposits to total assets | 85.4900% | 3,301 |
| Equity capital to assets | 12.5310% | 1,735 |
| Core capital (leverage) ratio | 9.7129% | 3,434 |
| Tier 1 risk-based capital ratio | 12.0966% | 4,854 |
| Total risk-based capital ratio | 13.2807% | 4,877 |
| Memoranda: |
| Average total assets | $160,384,000 | 3,767 |
| Average earning assets | $146,560,600 | 3,773 |
| Average equity | $19,831,000 | 3,227 |
| Average total loans | $114,502,400 | 3,595 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0946% | 1,665 |
| Cost of funding earning assets | 1.8352% | 4,220 |
| Net interest margin | 4.2594% | 1,844 |
| Noninterest income to average assets | 0.7708% | 2,595 |
| Noninterest expense to average assets | 3.0767% | 3,740 |
| Loan and lease loss provision to assets | 0.6647% | 2,748 |
| Net operating income to assets | 0.8763% | 2,517 |
| Return on assets (ROA) | 0.8787% | 2,578 |
| Pretax return on assets | 0.9264% | 3,145 |
| Return on Equity (ROE) | 7.1312% | 3,010 |
| Retained earnings to average equity (ytd only) | 2.7548% | 3,793 |
| Net charge-offs to loans | 0.7393% | 2,516 |
| Credit loss provision to net charge-offs | 125.9905% | 3,994 |
| Earnings coverage of net charge-offs (x) | 3.0111% | 3,728 |
| Efficiency ratio | 65.3584% | 5,485 |
| Assets per employee ($millions) | 3.4241% | 5,110 |
| Cash dividends to net income (ytd only)* | 61.3702% | 1,537 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2231% | 4,989 |
| Loan loss allowance to noncurrent loans | 45.2313% | 5,301 |
| Noncurrent assets plus other real estate owned to assets | 1.9480% | 3,422 |
| Noncurrent loans to loans | 2.7040% | 2,803 |
| Net loans and leases to total assets | 71.1600% | 3,231 |
| Net loans and leases to deposits | 83.4244% | 3,751 |
| Net loans and leases to core deposits | 100.1189% | 4,361 |
| Total domestic deposits to total assets | 85.2989% | 3,076 |
| Equity capital to assets | 12.6463% | 1,860 |
| Core capital (leverage) ratio | 9.8534% | 3,451 |
| Tier 1 risk-based capital ratio | 12.0202% | 4,960 |
| Total risk-based capital ratio | 13.1547% | 4,997 |
| Memoranda: |
| Average total assets | $159,473,750 | 3,802 |
| Average earning assets | $145,808,250 | 3,799 |
| Average equity | $19,650,250 | 3,296 |
| Average total loans | $113,791,000 | 3,640 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1022% | 1,782 |
| Cost of funding earning assets | 1.8736% | 4,402 |
| Net interest margin | 4.2286% | 1,881 |
| Noninterest income to average assets | 0.7007% | 2,992 |
| Noninterest expense to average assets | 3.0996% | 3,704 |
| Loan and lease loss provision to assets | 0.8491% | 1,971 |
| Net operating income to assets | 0.5889% | 3,722 |
| Return on assets (ROA) | 0.5925% | 3,819 |
| Pretax return on assets | 0.6227% | 4,257 |
| Return on Equity (ROE) | 4.8516% | 4,142 |
| Retained earnings to average equity (ytd only) | 0.3708% | 5,069 |
| Net charge-offs to loans | 0.7287% | 2,227 |
| Credit loss provision to net charge-offs | 163.8350% | 2,800 |
| Earnings coverage of net charge-offs (x) | 2.8325% | 3,678 |
| Efficiency ratio | 67.2542% | 5,301 |
| Assets per employee ($millions) | 3.3480% | 5,193 |
| Cash dividends to net income (ytd only)* | 92.3567% | 843 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3386% | 4,044 |
| Loan loss allowance to noncurrent loans | 52.8203% | 4,853 |
| Noncurrent assets plus other real estate owned to assets | 1.8252% | 3,443 |
| Noncurrent loans to loans | 2.5342% | 2,854 |
| Net loans and leases to total assets | 71.0580% | 3,452 |
| Net loans and leases to deposits | 84.1745% | 3,849 |
| Net loans and leases to core deposits | 100.5838% | 4,450 |
| Total domestic deposits to total assets | 84.4175% | 3,545 |
| Equity capital to assets | 12.4488% | 1,948 |
| Core capital (leverage) ratio | 9.7301% | 3,599 |
| Tier 1 risk-based capital ratio | 11.9828% | 4,932 |
| Total risk-based capital ratio | 13.2243% | 4,861 |
| Memoranda: |
| Average total assets | $158,987,330 | 3,850 |
| Average earning assets | $145,389,330 | 3,834 |
| Average equity | $19,416,330 | 3,336 |
| Average total loans | $113,075,330 | 3,698 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0004% | 2,362 |
| Cost of funding earning assets | 1.9262% | 4,505 |
| Net interest margin | 4.0743% | 2,386 |
| Noninterest income to average assets | 0.7309% | 2,700 |
| Noninterest expense to average assets | 2.8610% | 4,299 |
| Loan and lease loss provision to assets | 1.3141% | 980 |
| Net operating income to assets | 0.2628% | 5,424 |
| Return on assets (ROA) | 0.2628% | 5,593 |
| Pretax return on assets | 0.2778% | 5,739 |
| Return on Equity (ROE) | 2.1728% | 5,715 |
| Retained earnings to average equity (ytd only) | -1.9659% | 6,098 |
| Net charge-offs to loans | 1.5016% | 962 |
| Credit loss provision to net charge-offs | 123.8208% | 3,204 |
| Earnings coverage of net charge-offs (x) | 1.5000% | 3,981 |
| Efficiency ratio | 63.6313% | 5,756 |
| Assets per employee ($millions) | 3.3986% | 5,077 |
| Cash dividends to net income (ytd only)* | 190.4762% | 320 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2033% | 4,782 |
| Loan loss allowance to noncurrent loans | 45.6383% | 5,470 |
| Noncurrent assets plus other real estate owned to assets | 1.8587% | 3,133 |
| Noncurrent loans to loans | 2.6367% | 2,495 |
| Net loans and leases to total assets | 69.6479% | 3,766 |
| Net loans and leases to deposits | 81.2886% | 4,406 |
| Net loans and leases to core deposits | 95.8622% | 4,984 |
| Total domestic deposits to total assets | 85.6798% | 2,879 |
| Equity capital to assets | 12.1172% | 2,191 |
| Core capital (leverage) ratio | 9.5182% | 3,953 |
| Tier 1 risk-based capital ratio | 11.8794% | 5,057 |
| Total risk-based capital ratio | 12.9895% | 5,102 |
| Memoranda: |
| Average total assets | $159,803,000 | 3,843 |
| Average earning assets | $145,990,000 | 3,828 |
| Average equity | $19,330,000 | 3,373 |
| Average total loans | $112,947,500 | 3,722 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3773% | 3,536 |
| Cost of funding earning assets | 2.4741% | 4,339 |
| Net interest margin | 3.9032% | 3,543 |
| Noninterest income to average assets | 0.6308% | 3,627 |
| Noninterest expense to average assets | 2.7940% | 4,845 |
| Loan and lease loss provision to assets | 0.2137% | 4,756 |
| Net operating income to assets | 0.8136% | 3,377 |
| Return on assets (ROA) | 0.8337% | 3,135 |
| Pretax return on assets | 1.2141% | 2,596 |
| Return on Equity (ROE) | 7.0351% | 3,512 |
| Retained earnings to average equity (ytd only) | 5.1626% | 1,925 |
| Net charge-offs to loans | 0.2140% | 4,070 |
| Credit loss provision to net charge-offs | 139.2562% | 3,810 |
| Earnings coverage of net charge-offs (x) | 9.1157% | 2,756 |
| Efficiency ratio | 65.9459% | 5,137 |
| Assets per employee ($millions) | 3.4016% | 4,936 |
| Cash dividends to net income (ytd only)* | 26.6160% | 4,231 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1069% | 5,223 |
| Loan loss allowance to noncurrent loans | 50.1600% | 5,485 |
| Noncurrent assets plus other real estate owned to assets | 1.5637% | 3,109 |
| Noncurrent loans to loans | 2.2067% | 2,501 |
| Net loans and leases to total assets | 70.0777% | 4,001 |
| Net loans and leases to deposits | 82.9982% | 4,575 |
| Net loans and leases to core deposits | 98.8007% | 4,946 |
| Total domestic deposits to total assets | 84.4327% | 3,113 |
| Equity capital to assets | 12.0751% | 2,246 |
| Core capital (leverage) ratio | 9.3748% | 4,200 |
| Tier 1 risk-based capital ratio | 12.0313% | 4,803 |
| Total risk-based capital ratio | 13.0658% | 4,876 |
| Memoranda: |
| Average total assets | $157,731,000 | 3,762 |
| Average earning assets | $143,931,800 | 3,760 |
| Average equity | $18,692,000 | 3,443 |
| Average total loans | $113,070,600 | 3,611 |
