| 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 | 3.8223% | 4,158 |
| Cost of funding earning assets | 0.3036% | 4,376 |
| Net interest margin | 3.5187% | 2,143 |
| Noninterest income to average assets | 9.6900% | 94 |
| Noninterest expense to average assets | 9.2438% | 119 |
| Loan and lease loss provision to assets | 0.4500% | 209 |
| Net operating income to assets | 3.0284% | 157 |
| Return on assets (ROA) | 3.1451% | 138 |
| Pretax return on assets | 3.1451% | 178 |
| Return on Equity (ROE) | 24.9900% | 312 |
| Retained earnings to average equity (ytd only) | 5.6997% | 2,354 |
| Net charge-offs to loans | 1.4634% | 62 |
| Credit loss provision to net charge-offs | 89.1975% | 1,956 |
| Earnings coverage of net charge-offs (x) | 7.3902% | 2,413 |
| Efficiency ratio | 72.6619% | 1,596 |
| Assets per employee ($millions) | 0.7474% | 4,501 |
| Cash dividends to net income (ytd only)* | 77.1921% | 643 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8598% | 481 |
| Loan loss allowance to noncurrent loans | 806.6852% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.7212% | 719 |
| Noncurrent loans to loans | 0.2306% | 2,395 |
| Net loans and leases to total assets | 32.3000% | 4,247 |
| Net loans and leases to deposits | 39.6177% | 4,208 |
| Net loans and leases to core deposits | 39.6798% | 4,292 |
| Total domestic deposits to total assets | 81.5300% | 3,218 |
| Equity capital to assets | 13.8504% | 709 |
| Core capital (leverage) ratio | 15.5393% | 538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $481,931,400 | 1,766 |
| Average earning assets | $415,409,000 | 1,853 |
| Average equity | $60,652,000 | 1,384 |
| Average total loans | $154,978,400 | 2,636 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7606% | 4,147 |
| Cost of funding earning assets | 0.2992% | 4,360 |
| Net interest margin | 3.4614% | 2,310 |
| Noninterest income to average assets | 9.7100% | 93 |
| Noninterest expense to average assets | 9.2903% | 117 |
| Loan and lease loss provision to assets | 0.4200% | 190 |
| Net operating income to assets | 2.9856% | 183 |
| Return on assets (ROA) | 3.1192% | 167 |
| Pretax return on assets | 3.1192% | 212 |
| Return on Equity (ROE) | 25.4100% | 377 |
| Retained earnings to average equity (ytd only) | 6.3398% | 2,525 |
| Net charge-offs to loans | 1.3954% | 63 |
| Credit loss provision to net charge-offs | 87.1605% | 1,711 |
| Earnings coverage of net charge-offs (x) | 7.6420% | 2,227 |
| Efficiency ratio | 73.1535% | 1,435 |
| Assets per employee ($millions) | 0.7485% | 4,529 |
| Cash dividends to net income (ytd only)* | 75.0486% | 540 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8504% | 521 |
| Loan loss allowance to noncurrent loans | 43.2150% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 1.4324% | 269 |
| Noncurrent loans to loans | 4.2818% | 68 |
| Net loans and leases to total assets | 32.8400% | 4,269 |
| Net loans and leases to deposits | 39.6642% | 4,213 |
| Net loans and leases to core deposits | 39.9167% | 4,261 |
| Total domestic deposits to total assets | 82.7800% | 3,052 |
| Equity capital to assets | 11.9404% | 1,050 |
| Core capital (leverage) ratio | 15.1313% | 604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $484,132,250 | 1,766 |
| Average earning assets | $417,548,750 | 1,846 |
| Average equity | $59,432,500 | 1,394 |
| Average total loans | $154,794,750 | 2,644 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6899% | 4,146 |
| Cost of funding earning assets | 0.2992% | 4,316 |
| Net interest margin | 3.3907% | 2,547 |
| Noninterest income to average assets | 9.4400% | 93 |
| Noninterest expense to average assets | 9.1789% | 116 |
| Loan and lease loss provision to assets | 0.4100% | 202 |
| Net operating income to assets | 2.7717% | 182 |
| Return on assets (ROA) | 2.8266% | 168 |
| Pretax return on assets | 2.8266% | 239 |
| Return on Equity (ROE) | 22.8200% | 496 |
| Retained earnings to average equity (ytd only) | 3.7791% | 3,258 |
| Net charge-offs to loans | 1.3246% | 62 |
| Credit loss provision to net charge-offs | 86.2340% | 1,524 |
| Earnings coverage of net charge-offs (x) | 7.6372% | 2,079 |
| Efficiency ratio | 74.2337% | 1,323 |
| Assets per employee ($millions) | 0.7478% | 4,562 |
| Cash dividends to net income (ytd only)* | 83.4422% | 500 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9508% | 456 |
| Loan loss allowance to noncurrent loans | 42.8510% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 1.5057% | 234 |
| Noncurrent loans to loans | 4.5524% | 65 |
| Net loans and leases to total assets | 31.0700% | 4,302 |
| Net loans and leases to deposits | 37.6761% | 4,261 |
| Net loans and leases to core deposits | 37.9111% | 4,293 |
| Total domestic deposits to total assets | 82.4700% | 3,144 |
| Equity capital to assets | 12.3973% | 954 |
| Core capital (leverage) ratio | 14.6434% | 642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $487,575,000 | 1,754 |
| Average earning assets | $420,389,333 | 1,839 |
| Average equity | $60,385,333 | 1,380 |
| Average total loans | $153,556,667 | 2,642 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6953% | 4,028 |
| Cost of funding earning assets | 0.3394% | 4,109 |
| Net interest margin | 3.3559% | 2,736 |
| Noninterest income to average assets | 9.4600% | 94 |
| Noninterest expense to average assets | 9.0866% | 115 |
| Loan and lease loss provision to assets | 0.4000% | 206 |
| Net operating income to assets | 2.8646% | 169 |
| Return on assets (ROA) | 2.8843% | 164 |
| Pretax return on assets | 2.8843% | 226 |
| Return on Equity (ROE) | 23.3000% | 492 |
| Retained earnings to average equity (ytd only) | 23.3005% | 230 |
| Net charge-offs to loans | 1.2174% | 65 |
| Credit loss provision to net charge-offs | 77.5161% | 1,222 |
| Earnings coverage of net charge-offs (x) | 8.5460% | 1,716 |
| Efficiency ratio | 73.5573% | 1,383 |
| Assets per employee ($millions) | 0.7515% | 4,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9759% | 458 |
| Loan loss allowance to noncurrent loans | 66.3317% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 0.9757% | 427 |
| Noncurrent loans to loans | 2.9788% | 149 |
| Net loans and leases to total assets | 30.0900% | 4,365 |
| Net loans and leases to deposits | 36.4804% | 4,315 |
| Net loans and leases to core deposits | 36.7009% | 4,351 |
| Total domestic deposits to total assets | 82.5000% | 3,404 |
| Equity capital to assets | 12.7272% | 821 |
| Core capital (leverage) ratio | 14.8979% | 589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $488,717,000 | 1,768 |
| Average earning assets | $420,753,000 | 1,863 |
| Average equity | $60,496,500 | 1,388 |
| Average total loans | $153,441,500 | 2,674 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9836% | 4,154 |
| Cost of funding earning assets | 0.2122% | 3,658 |
| Net interest margin | 2.7713% | 3,941 |
| Noninterest income to average assets | 10.3800% | 98 |
| Noninterest expense to average assets | 9.2849% | 112 |
| Loan and lease loss provision to assets | 0.4900% | 124 |
| Net operating income to assets | 3.0252% | 108 |
| Return on assets (ROA) | 2.9245% | 109 |
| Pretax return on assets | 2.9245% | 134 |
| Return on Equity (ROE) | 22.4200% | 312 |
| Retained earnings to average equity (ytd only) | 2.7351% | 3,791 |
| Net charge-offs to loans | 1.6357% | 41 |
| Credit loss provision to net charge-offs | 94.3070% | 1,604 |
| Earnings coverage of net charge-offs (x) | 6.7252% | 2,328 |
| Efficiency ratio | 72.5184% | 1,386 |
| Assets per employee ($millions) | 0.7571% | 4,658 |
| Cash dividends to net income (ytd only)* | 87.7994% | 328 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0492% | 395 |
| Loan loss allowance to noncurrent loans | 141.3141% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 0.5300% | 948 |
| Noncurrent loans to loans | 1.4501% | 456 |
| Net loans and leases to total assets | 31.4700% | 4,355 |
| Net loans and leases to deposits | 37.6675% | 4,304 |
| Net loans and leases to core deposits | 37.9034% | 4,335 |
| Total domestic deposits to total assets | 83.5400% | 3,306 |
| Equity capital to assets | 12.0129% | 932 |
| Core capital (leverage) ratio | 14.5161% | 634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $486,811,400 | 1,751 |
| Average earning assets | $425,934,400 | 1,832 |
| Average equity | $63,508,800 | 1,339 |
| Average total loans | $155,713,600 | 2,583 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8181% | 4,175 |
| Cost of funding earning assets | 0.1731% | 3,589 |
| Net interest margin | 2.6450% | 4,034 |
| Noninterest income to average assets | 10.3100% | 101 |
| Noninterest expense to average assets | 9.2968% | 112 |
| Loan and lease loss provision to assets | 0.4900% | 106 |
| Net operating income to assets | 2.8428% | 115 |
| Return on assets (ROA) | 2.6373% | 132 |
| Pretax return on assets | 2.6373% | 186 |
| Return on Equity (ROE) | 19.8300% | 449 |
| Retained earnings to average equity (ytd only) | 1.5943% | 4,123 |
| Net charge-offs to loans | 1.6102% | 34 |
| Credit loss provision to net charge-offs | 95.2860% | 1,355 |
| Earnings coverage of net charge-offs (x) | 6.4783% | 2,105 |
| Efficiency ratio | 73.6099% | 1,321 |
| Assets per employee ($millions) | 0.7026% | 4,703 |
| Cash dividends to net income (ytd only)* | 91.9611% | 280 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9838% | 516 |
| Loan loss allowance to noncurrent loans | 241.5722% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.3430% | 1,578 |
| Noncurrent loans to loans | 0.8212% | 968 |
| Net loans and leases to total assets | 33.2500% | 4,330 |
| Net loans and leases to deposits | 38.7205% | 4,284 |
| Net loans and leases to core deposits | 38.9570% | 4,314 |
| Total domestic deposits to total assets | 85.8600% | 3,097 |
| Equity capital to assets | 11.5201% | 1,004 |
| Core capital (leverage) ratio | 13.9640% | 691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $489,275,750 | 1,753 |
| Average earning assets | $429,775,000 | 1,829 |
| Average equity | $65,062,000 | 1,333 |
| Average total loans | $156,334,500 | 2,576 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6293% | 4,244 |
| Cost of funding earning assets | 0.1397% | 3,711 |
| Net interest margin | 2.4896% | 4,100 |
| Noninterest income to average assets | 10.2249% | 57 |
| Noninterest expense to average assets | 9.1214% | 80 |
| Loan and lease loss provision to assets | 0.4570% | 116 |
| Net operating income to assets | 2.8317% | 80 |
| Return on assets (ROA) | 2.6107% | 94 |
| Pretax return on assets | 2.6107% | 148 |
| Return on Equity (ROE) | 18.8263% | 397 |
| Retained earnings to average equity (ytd only) | 0.1430% | 4,161 |
| Net charge-offs to loans | 1.5522% | 37 |
| Credit loss provision to net charge-offs | 94.0050% | 1,328 |
| Earnings coverage of net charge-offs (x) | 6.7644% | 1,880 |
| Efficiency ratio | 73.4995% | 1,570 |
| Assets per employee ($millions) | 0.7221% | 4,746 |
| Cash dividends to net income (ytd only)* | 99.2402% | 378 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0160% | 534 |
| Loan loss allowance to noncurrent loans | 191.8209% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 0.4058% | 1,387 |
| Noncurrent loans to loans | 1.0510% | 789 |
| Net loans and leases to total assets | 31.9932% | 4,404 |
| Net loans and leases to deposits | 39.2794% | 4,294 |
| Net loans and leases to core deposits | 39.5255% | 4,336 |
| Total domestic deposits to total assets | 81.4503% | 4,076 |
| Equity capital to assets | 12.2234% | 817 |
| Core capital (leverage) ratio | 13.4643% | 714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $494,047,333 | 1,744 |
| Average earning assets | $433,648,333 | 1,832 |
| Average equity | $68,510,667 | 1,313 |
| Average total loans | $154,744,667 | 2,600 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.3913% | 4,387 |
| Cost of funding earning assets | 0.1260% | 3,825 |
| Net interest margin | 2.2653% | 4,280 |
| Noninterest income to average assets | 9.9716% | 60 |
| Noninterest expense to average assets | 8.9616% | 82 |
| Loan and lease loss provision to assets | 0.4306% | 115 |
| Net operating income to assets | 2.5617% | 115 |
| Return on assets (ROA) | 3.1798% | 65 |
| Pretax return on assets | 3.1798% | 88 |
| Return on Equity (ROE) | 21.6691% | 175 |
| Retained earnings to average equity (ytd only) | 3.0219% | 3,254 |
| Net charge-offs to loans | 1.4276% | 53 |
| Credit loss provision to net charge-offs | 98.3456% | 1,050 |
| Earnings coverage of net charge-offs (x) | 6.8346% | 1,558 |
| Efficiency ratio | 74.9680% | 1,637 |
| Assets per employee ($millions) | 0.7935% | 4,767 |
| Cash dividends to net income (ytd only)* | 86.0542% | 636 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1499% | 483 |
| Loan loss allowance to noncurrent loans | 246.4259% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 0.3302% | 1,796 |
| Noncurrent loans to loans | 0.8724% | 1,074 |
| Net loans and leases to total assets | 30.1035% | 4,445 |
| Net loans and leases to deposits | 35.8267% | 4,388 |
| Net loans and leases to core deposits | 36.0412% | 4,426 |
| Total domestic deposits to total assets | 84.0253% | 3,762 |
| Equity capital to assets | 13.6786% | 575 |
| Core capital (leverage) ratio | 13.5793% | 654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $497,011,000 | 1,744 |
| Average earning assets | $434,913,500 | 1,841 |
| Average equity | $72,933,500 | 1,287 |
| Average total loans | $152,428,000 | 2,613 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.4520% | 4,515 |
| Cost of funding earning assets | 0.1255% | 4,184 |
| Net interest margin | 2.3265% | 4,391 |
| Noninterest income to average assets | 10.4029% | 61 |
| Noninterest expense to average assets | 9.0142% | 84 |
| Loan and lease loss provision to assets | 0.2479% | 380 |
| Net operating income to assets | 3.1817% | 89 |
| Return on assets (ROA) | 3.6581% | 73 |
| Pretax return on assets | 3.6581% | 93 |
| Return on Equity (ROE) | 24.3152% | 135 |
| Retained earnings to average equity (ytd only) | 5.4543% | 2,591 |
| Net charge-offs to loans | 0.8154% | 81 |
| Credit loss provision to net charge-offs | 98.4076% | 1,830 |
| Earnings coverage of net charge-offs (x) | 13.6162% | 2,070 |
| Efficiency ratio | 72.4397% | 1,462 |
| Assets per employee ($millions) | 0.7547% | 4,809 |
| Cash dividends to net income (ytd only)* | 77.5682% | 554 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1538% | 485 |
| Loan loss allowance to noncurrent loans | 1,447.1366% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.1068% | 3,182 |
| Noncurrent loans to loans | 0.1488% | 3,191 |
| Net loans and leases to total assets | 29.9152% | 4,509 |
| Net loans and leases to deposits | 36.3463% | 4,465 |
| Net loans and leases to core deposits | 36.5668% | 4,505 |
| Total domestic deposits to total assets | 82.3060% | 3,921 |
| Equity capital to assets | 15.6628% | 412 |
| Core capital (leverage) ratio | 13.4985% | 690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $498,670,200 | 1,701 |
| Average earning assets | $437,439,200 | 1,779 |
| Average equity | $75,023,000 | 1,274 |
| Average total loans | $154,043,600 | 2,597 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.4884% | 4,575 |
| Cost of funding earning assets | 0.1261% | 4,300 |
| Net interest margin | 2.3623% | 4,436 |
| Noninterest income to average assets | 10.1686% | 65 |
| Noninterest expense to average assets | 9.1212% | 85 |
| Loan and lease loss provision to assets | 0.1843% | 576 |
| Net operating income to assets | 2.9312% | 134 |
| Return on assets (ROA) | 3.4901% | 90 |
| Pretax return on assets | 3.4901% | 124 |
| Return on Equity (ROE) | 23.4391% | 233 |
| Retained earnings to average equity (ytd only) | 5.6604% | 2,974 |
| Net charge-offs to loans | 0.6173% | 128 |
| Credit loss provision to net charge-offs | 96.3636% | 1,628 |
| Earnings coverage of net charge-offs (x) | 16.2951% | 1,837 |
| Efficiency ratio | 74.5400% | 1,168 |
| Assets per employee ($millions) | 0.7429% | 4,887 |
| Cash dividends to net income (ytd only)* | 75.8504% | 463 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2847% | 403 |
| Loan loss allowance to noncurrent loans | 906.0773% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.1381% | 3,192 |
| Noncurrent loans to loans | 0.2522% | 2,925 |
| Net loans and leases to total assets | 29.0081% | 4,615 |
| Net loans and leases to deposits | 35.5676% | 4,588 |
| Net loans and leases to core deposits | 35.7919% | 4,614 |
| Total domestic deposits to total assets | 81.5576% | 4,001 |
| Equity capital to assets | 15.4430% | 476 |
| Core capital (leverage) ratio | 13.1686% | 801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $498,620,250 | 1,715 |
| Average earning assets | $436,519,500 | 1,799 |
| Average equity | $74,244,500 | 1,302 |
| Average total loans | $154,423,750 | 2,632 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5069% | 4,611 |
| Cost of funding earning assets | 0.1248% | 4,396 |
| Net interest margin | 2.3821% | 4,438 |
| Noninterest income to average assets | 9.8982% | 65 |
| Noninterest expense to average assets | 9.0011% | 84 |
| Loan and lease loss provision to assets | 0.0961% | 1,307 |
| Net operating income to assets | 2.8855% | 142 |
| Return on assets (ROA) | 3.3175% | 103 |
| Pretax return on assets | 3.3175% | 137 |
| Return on Equity (ROE) | 22.5484% | 288 |
| Retained earnings to average equity (ytd only) | 6.6236% | 2,575 |
| Net charge-offs to loans | 0.3126% | 274 |
| Credit loss provision to net charge-offs | 97.9757% | 1,399 |
| Earnings coverage of net charge-offs (x) | 30.3968% | 1,301 |
| Efficiency ratio | 75.1177% | 1,157 |
| Assets per employee ($millions) | 0.7749% | 4,921 |
| Cash dividends to net income (ytd only)* | 70.6249% | 674 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1546% | 466 |
| Loan loss allowance to noncurrent loans | 476.3348% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.1983% | 2,954 |
| Noncurrent loans to loans | 0.4523% | 2,320 |
| Net loans and leases to total assets | 29.7636% | 4,656 |
| Net loans and leases to deposits | 37.3382% | 4,601 |
| Net loans and leases to core deposits | 37.5694% | 4,636 |
| Total domestic deposits to total assets | 79.7137% | 4,270 |
| Equity capital to assets | 15.0566% | 517 |
| Core capital (leverage) ratio | 12.4998% | 930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $503,626,000 | 1,702 |
| Average earning assets | $440,708,667 | 1,785 |
| Average equity | $74,098,333 | 1,298 |
| Average total loans | $158,043,667 | 2,612 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.4535% | 4,681 |
| Cost of funding earning assets | 0.1225% | 4,511 |
| Net interest margin | 2.3310% | 4,487 |
| Noninterest income to average assets | 9.7409% | 73 |
| Noninterest expense to average assets | 8.9546% | 81 |
| Loan and lease loss provision to assets | 0.0334% | 2,332 |
| Net operating income to assets | 2.7927% | 181 |
| Return on assets (ROA) | 3.5417% | 113 |
| Pretax return on assets | 3.5417% | 142 |
| Return on Equity (ROE) | 24.3561% | 280 |
| Retained earnings to average equity (ytd only) | 9.0619% | 1,936 |
| Net charge-offs to loans | 0.0648% | 886 |
| Credit loss provision to net charge-offs | 161.5385% | 958 |
| Earnings coverage of net charge-offs (x) | 136.8462% | 515 |
| Efficiency ratio | 76.0113% | 1,138 |
| Assets per employee ($millions) | 0.7652% | 4,945 |
| Cash dividends to net income (ytd only)* | 62.7943% | 837 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1271% | 473 |
| Loan loss allowance to noncurrent loans | 234.6045% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.3425% | 2,429 |
| Noncurrent loans to loans | 0.9067% | 1,491 |
| Net loans and leases to total assets | 29.8160% | 4,698 |
| Net loans and leases to deposits | 35.8859% | 4,681 |
| Net loans and leases to core deposits | 36.1213% | 4,719 |
| Total domestic deposits to total assets | 83.0856% | 3,666 |
| Equity capital to assets | 14.2592% | 619 |
| Core capital (leverage) ratio | 13.1902% | 799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $503,606,500 | 1,681 |
| Average earning assets | $440,676,500 | 1,777 |
| Average equity | $73,230,000 | 1,306 |
| Average total loans | $160,460,500 | 2,597 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0977% | 4,566 |
| Cost of funding earning assets | 0.1557% | 4,711 |
| Net interest margin | 2.9421% | 4,032 |
| Noninterest income to average assets | 11.7907% | 61 |
| Noninterest expense to average assets | 10.8251% | 69 |
| Loan and lease loss provision to assets | 0.3777% | 861 |
| Net operating income to assets | 3.1130% | 88 |
| Return on assets (ROA) | 2.9991% | 95 |
| Pretax return on assets | 2.9991% | 123 |
| Return on Equity (ROE) | 19.2649% | 267 |
| Retained earnings to average equity (ytd only) | 2.2777% | 3,717 |
| Net charge-offs to loans | 0.9228% | 149 |
| Credit loss provision to net charge-offs | 109.5554% | 2,729 |
| Earnings coverage of net charge-offs (x) | 10.1254% | 2,484 |
| Efficiency ratio | 75.6164% | 1,278 |
| Assets per employee ($millions) | 0.7294% | 4,974 |
| Cash dividends to net income (ytd only)* | 88.1770% | 444 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0068% | 580 |
| Loan loss allowance to noncurrent loans | 343.3022% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.2635% | 2,984 |
| Noncurrent loans to loans | 0.5845% | 2,242 |
| Net loans and leases to total assets | 32.6433% | 4,691 |
| Net loans and leases to deposits | 39.7515% | 4,663 |
| Net loans and leases to core deposits | 40.0250% | 4,695 |
| Total domestic deposits to total assets | 82.1185% | 3,636 |
| Equity capital to assets | 14.8333% | 600 |
| Core capital (leverage) ratio | 13.5705% | 763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.6666% | 167 |
| Memoranda: |
| Average total assets | $437,131,600 | 1,742 |
| Average earning assets | $375,179,800 | 1,855 |
| Average equity | $68,051,200 | 1,325 |
| Average total loans | $163,302,200 | 2,543 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2263% | 4,558 |
| Cost of funding earning assets | 0.1649% | 4,764 |
| Net interest margin | 3.0614% | 3,836 |
| Noninterest income to average assets | 11.9407% | 61 |
| Noninterest expense to average assets | 11.1296% | 65 |
| Loan and lease loss provision to assets | 0.4681% | 663 |
| Net operating income to assets | 2.9544% | 94 |
| Return on assets (ROA) | 2.5696% | 140 |
| Pretax return on assets | 2.5696% | 190 |
| Return on Equity (ROE) | 16.2815% | 516 |
| Retained earnings to average equity (ytd only) | 4.3721% | 2,862 |
| Net charge-offs to loans | 1.0744% | 128 |
| Credit loss provision to net charge-offs | 113.0236% | 2,529 |
| Earnings coverage of net charge-offs (x) | 8.2650% | 2,512 |
| Efficiency ratio | 76.4818% | 1,165 |
| Assets per employee ($millions) | 0.6661% | 5,007 |
| Cash dividends to net income (ytd only)* | 73.1468% | 742 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9480% | 542 |
| Loan loss allowance to noncurrent loans | 531.4195% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.2066% | 3,403 |
| Noncurrent loans to loans | 0.3666% | 2,971 |
| Net loans and leases to total assets | 37.1360% | 4,637 |
| Net loans and leases to deposits | 46.5493% | 4,591 |
| Net loans and leases to core deposits | 46.9096% | 4,647 |
| Total domestic deposits to total assets | 79.7777% | 3,906 |
| Equity capital to assets | 15.7045% | 507 |
| Core capital (leverage) ratio | 13.6452% | 799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.0246% | 188 |
| Memoranda: |
| Average total assets | $422,777,250 | 1,764 |
| Average earning assets | $360,606,250 | 1,881 |
| Average equity | $66,724,500 | 1,330 |
| Average total loans | $162,942,000 | 2,549 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2784% | 4,667 |
| Cost of funding earning assets | 0.1761% | 4,817 |
| Net interest margin | 3.1023% | 3,899 |
| Noninterest income to average assets | 12.1401% | 55 |
| Noninterest expense to average assets | 11.3511% | 64 |
| Loan and lease loss provision to assets | 0.4773% | 780 |
| Net operating income to assets | 2.9466% | 89 |
| Return on assets (ROA) | 2.6982% | 115 |
| Pretax return on assets | 2.6982% | 156 |
| Return on Equity (ROE) | 17.0658% | 446 |
| Retained earnings to average equity (ytd only) | -1.1818% | 4,499 |
| Net charge-offs to loans | 1.0821% | 128 |
| Credit loss provision to net charge-offs | 113.7255% | 2,317 |
| Earnings coverage of net charge-offs (x) | 8.1580% | 2,315 |
| Efficiency ratio | 76.8266% | 1,180 |
| Assets per employee ($millions) | 0.6493% | 5,040 |
| Cash dividends to net income (ytd only)* | 106.9250% | 413 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0569% | 401 |
| Loan loss allowance to noncurrent loans | 4,314.4737% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0854% | 4,100 |
| Noncurrent loans to loans | 0.0477% | 4,291 |
| Net loans and leases to total assets | 34.8993% | 4,756 |
| Net loans and leases to deposits | 42.6802% | 4,730 |
| Net loans and leases to core deposits | 43.0054% | 4,774 |
| Total domestic deposits to total assets | 81.7693% | 3,434 |
| Equity capital to assets | 15.1054% | 601 |
| Core capital (leverage) ratio | 13.3778% | 912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.3261% | 195 |
| Memoranda: |
| Average total assets | $413,158,000 | 1,771 |
| Average earning assets | $350,902,000 | 1,894 |
| Average equity | $65,323,667 | 1,344 |
| Average total loans | $160,239,000 | 2,565 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5589% | 4,576 |
| Cost of funding earning assets | 0.2123% | 4,867 |
| Net interest margin | 3.3466% | 3,460 |
| Noninterest income to average assets | 13.6570% | 48 |
| Noninterest expense to average assets | 12.3491% | 60 |
| Loan and lease loss provision to assets | 0.7534% | 339 |
| Net operating income to assets | 3.3723% | 49 |
| Return on assets (ROA) | 2.2755% | 175 |
| Pretax return on assets | 2.2755% | 251 |
| Return on Equity (ROE) | 14.0383% | 693 |
| Retained earnings to average equity (ytd only) | -5.0284% | 4,525 |
| Net charge-offs to loans | 1.7379% | 87 |
| Credit loss provision to net charge-offs | 106.8768% | 1,778 |
| Earnings coverage of net charge-offs (x) | 5.8524% | 2,021 |
| Efficiency ratio | 74.9571% | 1,689 |
| Assets per employee ($millions) | 0.5430% | 5,090 |
| Cash dividends to net income (ytd only)* | 135.8189% | 520 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9554% | 545 |
| Loan loss allowance to noncurrent loans | 333.4719% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.3168% | 3,171 |
| Noncurrent loans to loans | 0.5864% | 2,539 |
| Net loans and leases to total assets | 40.1922% | 4,660 |
| Net loans and leases to deposits | 49.6808% | 4,604 |
| Net loans and leases to core deposits | 50.1089% | 4,675 |
| Total domestic deposits to total assets | 80.9008% | 3,687 |
| Equity capital to assets | 16.1599% | 555 |
| Core capital (leverage) ratio | 14.9943% | 688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.0605% | 211 |
| Memoranda: |
| Average total assets | $396,046,000 | 1,781 |
| Average earning assets | $333,471,500 | 1,920 |
| Average equity | $64,196,000 | 1,359 |
| Average total loans | $160,652,500 | 2,535 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7050% | 4,673 |
| Cost of funding earning assets | 0.2117% | 4,935 |
| Net interest margin | 3.4933% | 3,467 |
| Noninterest income to average assets | 14.7340% | 46 |
| Noninterest expense to average assets | 12.4874% | 52 |
| Loan and lease loss provision to assets | 0.9721% | 96 |
| Net operating income to assets | 4.1773% | 50 |
| Return on assets (ROA) | 4.1450% | 54 |
| Pretax return on assets | 4.1450% | 61 |
| Return on Equity (ROE) | 26.0359% | 62 |
| Retained earnings to average equity (ytd only) | 2.6328% | 3,720 |
| Net charge-offs to loans | 2.3636% | 50 |
| Credit loss provision to net charge-offs | 103.5842% | 2,390 |
| Earnings coverage of net charge-offs (x) | 5.4872% | 3,080 |
| Efficiency ratio | 70.8032% | 2,049 |
| Assets per employee ($millions) | 0.5156% | 5,151 |
| Cash dividends to net income (ytd only)* | 89.8876% | 526 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0102% | 452 |
| Loan loss allowance to noncurrent loans | 1,572.6368% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.1294% | 3,996 |
| Noncurrent loans to loans | 0.1278% | 4,010 |
| Net loans and leases to total assets | 39.3188% | 4,760 |
| Net loans and leases to deposits | 48.8269% | 4,720 |
| Net loans and leases to core deposits | 49.3063% | 4,769 |
| Total domestic deposits to total assets | 80.5270% | 3,870 |
| Equity capital to assets | 16.3081% | 553 |
| Core capital (leverage) ratio | 15.7203% | 557 |
| Tier 1 risk-based capital ratio | 34.1881% | 349 |
| Total risk-based capital ratio | 35.4447% | 341 |
| Memoranda: |
| Average total assets | $386,494,400 | 1,779 |
| Average earning assets | $321,160,800 | 1,916 |
| Average equity | $61,530,400 | 1,361 |
| Average total loans | $153,452,200 | 2,580 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7507% | 4,725 |
| Cost of funding earning assets | 0.2060% | 5,026 |
| Net interest margin | 3.5447% | 3,423 |
| Noninterest income to average assets | 14.5050% | 50 |
| Noninterest expense to average assets | 12.5522% | 52 |
| Loan and lease loss provision to assets | 0.9465% | 100 |
| Net operating income to assets | 3.9430% | 50 |
| Return on assets (ROA) | 3.9035% | 53 |
| Pretax return on assets | 3.9035% | 67 |
| Return on Equity (ROE) | 24.6725% | 96 |
| Retained earnings to average equity (ytd only) | 2.4638% | 4,110 |
| Net charge-offs to loans | 2.2880% | 47 |
| Credit loss provision to net charge-offs | 104.4708% | 2,172 |
| Earnings coverage of net charge-offs (x) | 5.3970% | 2,926 |
| Efficiency ratio | 71.9667% | 1,840 |
| Assets per employee ($millions) | 0.4934% | 5,231 |
| Cash dividends to net income (ytd only)* | 90.0142% | 437 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0069% | 465 |
| Loan loss allowance to noncurrent loans | 1,528.1553% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.2981% | 3,359 |
| Noncurrent loans to loans | 0.1313% | 4,061 |
| Net loans and leases to total assets | 41.2067% | 4,773 |
| Net loans and leases to deposits | 51.5726% | 4,724 |
| Net loans and leases to core deposits | 52.1021% | 4,796 |
| Total domestic deposits to total assets | 79.9004% | 4,009 |
| Equity capital to assets | 16.6256% | 535 |
| Core capital (leverage) ratio | 15.5186% | 637 |
| Tier 1 risk-based capital ratio | 33.4227% | 387 |
| Total risk-based capital ratio | 34.6793% | 383 |
| Memoranda: |
| Average total assets | $385,145,250 | 1,797 |
| Average earning assets | $319,077,000 | 1,936 |
| Average equity | $60,935,500 | 1,371 |
| Average total loans | $152,503,250 | 2,620 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7317% | 4,797 |
| Cost of funding earning assets | 0.2017% | 5,071 |
| Net interest margin | 3.5300% | 3,503 |
| Noninterest income to average assets | 14.0426% | 50 |
| Noninterest expense to average assets | 12.2661% | 54 |
| Loan and lease loss provision to assets | 0.7986% | 127 |
| Net operating income to assets | 3.8922% | 56 |
| Return on assets (ROA) | 3.8609% | 61 |
| Pretax return on assets | 3.8609% | 72 |
| Return on Equity (ROE) | 24.8056% | 97 |
| Retained earnings to average equity (ytd only) | 2.5192% | 3,936 |
| Net charge-offs to loans | 1.9569% | 55 |
| Credit loss provision to net charge-offs | 105.1421% | 1,899 |
| Earnings coverage of net charge-offs (x) | 6.1759% | 2,596 |
| Efficiency ratio | 72.3369% | 1,870 |
| Assets per employee ($millions) | 0.5100% | 5,278 |
| Cash dividends to net income (ytd only)* | 89.8443% | 609 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0615% | 419 |
| Loan loss allowance to noncurrent loans | 161.3707% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 0.7364% | 1,885 |
| Noncurrent loans to loans | 1.2775% | 1,238 |
| Net loans and leases to total assets | 38.3950% | 4,897 |
| Net loans and leases to deposits | 47.8435% | 4,850 |
| Net loans and leases to core deposits | 48.3175% | 4,903 |
| Total domestic deposits to total assets | 80.2512% | 3,987 |
| Equity capital to assets | 16.0813% | 607 |
| Core capital (leverage) ratio | 15.2284% | 661 |
| Tier 1 risk-based capital ratio | 32.8378% | 399 |
| Total risk-based capital ratio | 34.0934% | 390 |
| Memoranda: |
| Average total assets | $389,186,330 | 1,797 |
| Average earning assets | $321,299,330 | 1,941 |
| Average equity | $60,575,000 | 1,369 |
| Average total loans | $151,051,670 | 2,648 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7058% | 4,840 |
| Cost of funding earning assets | 0.2002% | 5,118 |
| Net interest margin | 3.5057% | 3,577 |
| Noninterest income to average assets | 13.4929% | 48 |
| Noninterest expense to average assets | 11.8153% | 53 |
| Loan and lease loss provision to assets | 0.8000% | 122 |
| Net operating income to assets | 3.7763% | 59 |
| Return on assets (ROA) | 3.7467% | 62 |
| Pretax return on assets | 3.7467% | 77 |
| Return on Equity (ROE) | 24.4709% | 109 |
| Retained earnings to average equity (ytd only) | 2.7828% | 3,826 |
| Net charge-offs to loans | 1.7937% | 66 |
| Credit loss provision to net charge-offs | 115.4867% | 1,448 |
| Earnings coverage of net charge-offs (x) | 6.6062% | 2,180 |
| Efficiency ratio | 72.0813% | 2,033 |
| Assets per employee ($millions) | 0.5558% | 5,333 |
| Cash dividends to net income (ytd only)* | 88.6283% | 765 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0647% | 439 |
| Loan loss allowance to noncurrent loans | 590.5838% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.3596% | 3,161 |
| Noncurrent loans to loans | 0.3496% | 3,330 |
| Net loans and leases to total assets | 37.2209% | 4,978 |
| Net loans and leases to deposits | 46.0663% | 4,929 |
| Net loans and leases to core deposits | 46.5018% | 4,975 |
| Total domestic deposits to total assets | 80.7986% | 4,004 |
| Equity capital to assets | 15.2541% | 699 |
| Core capital (leverage) ratio | 15.3388% | 627 |
| Tier 1 risk-based capital ratio | 32.9198% | 391 |
| Total risk-based capital ratio | 34.1759% | 379 |
| Memoranda: |
| Average total assets | $391,494,000 | 1,803 |
| Average earning assets | $323,706,000 | 1,945 |
| Average equity | $59,940,500 | 1,375 |
| Average total loans | $151,195,500 | 2,675 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6320% | 4,762 |
| Cost of funding earning assets | 0.2069% | 4,975 |
| Net interest margin | 3.4251% | 3,923 |
| Noninterest income to average assets | 14.3496% | 48 |
| Noninterest expense to average assets | 12.2965% | 50 |
| Loan and lease loss provision to assets | 1.0635% | 79 |
| Net operating income to assets | 3.7910% | 52 |
| Return on assets (ROA) | 3.8326% | 52 |
| Pretax return on assets | 3.8326% | 60 |
| Return on Equity (ROE) | 25.2346% | 89 |
| Retained earnings to average equity (ytd only) | 5.7658% | 2,312 |
| Net charge-offs to loans | 2.5829% | 39 |
| Credit loss provision to net charge-offs | 107.8416% | 2,375 |
| Earnings coverage of net charge-offs (x) | 4.9224% | 3,246 |
| Efficiency ratio | 71.6956% | 1,946 |
| Assets per employee ($millions) | 0.5251% | 5,378 |
| Cash dividends to net income (ytd only)* | 77.1510% | 797 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0139% | 458 |
| Loan loss allowance to noncurrent loans | 596.6535% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.3689% | 3,073 |
| Noncurrent loans to loans | 0.3375% | 3,341 |
| Net loans and leases to total assets | 38.4701% | 4,996 |
| Net loans and leases to deposits | 47.5706% | 4,942 |
| Net loans and leases to core deposits | 48.0389% | 4,988 |
| Total domestic deposits to total assets | 80.8694% | 3,924 |
| Equity capital to assets | 15.3698% | 634 |
| Core capital (leverage) ratio | 15.5753% | 585 |
| Tier 1 risk-based capital ratio | 32.4352% | 388 |
| Total risk-based capital ratio | 33.6903% | 383 |
| Memoranda: |
| Average total assets | $391,801,400 | 1,757 |
| Average earning assets | $320,457,400 | 1,921 |
| Average equity | $59,505,600 | 1,330 |
| Average total loans | $149,598,600 | 2,647 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5968% | 4,811 |
| Cost of funding earning assets | 0.2062% | 4,997 |
| Net interest margin | 3.3906% | 4,029 |
| Noninterest income to average assets | 14.0139% | 49 |
| Noninterest expense to average assets | 12.1120% | 50 |
| Loan and lease loss provision to assets | 1.0357% | 79 |
| Net operating income to assets | 3.6318% | 58 |
| Return on assets (ROA) | 3.6955% | 55 |
| Pretax return on assets | 3.6955% | 65 |
| Return on Equity (ROE) | 24.4032% | 98 |
| Retained earnings to average equity (ytd only) | 6.7769% | 2,249 |
| Net charge-offs to loans | 2.5618% | 39 |
| Credit loss provision to net charge-offs | 106.6202% | 2,169 |
| Earnings coverage of net charge-offs (x) | 4.8049% | 3,019 |
| Efficiency ratio | 72.1830% | 1,855 |
| Assets per employee ($millions) | 0.5134% | 5,448 |
| Cash dividends to net income (ytd only)* | 72.2293% | 783 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9152% | 571 |
| Loan loss allowance to noncurrent loans | 448.3871% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.4154% | 3,031 |
| Noncurrent loans to loans | 0.4271% | 3,129 |
| Net loans and leases to total assets | 39.8861% | 5,030 |
| Net loans and leases to deposits | 49.8297% | 4,955 |
| Net loans and leases to core deposits | 50.3360% | 5,012 |
| Total domestic deposits to total assets | 80.0449% | 4,111 |
| Equity capital to assets | 15.7941% | 570 |
| Core capital (leverage) ratio | 15.7944% | 551 |
| Tier 1 risk-based capital ratio | 33.0351% | 369 |
| Total risk-based capital ratio | 34.2897% | 364 |
| Memoranda: |
| Average total assets | $393,914,250 | 1,748 |
| Average earning assets | $321,313,250 | 1,933 |
| Average equity | $59,652,000 | 1,328 |
| Average total loans | $149,371,750 | 2,667 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4996% | 4,922 |
| Cost of funding earning assets | 0.2025% | 5,018 |
| Net interest margin | 3.2971% | 4,257 |
| Noninterest income to average assets | 13.7182% | 49 |
| Noninterest expense to average assets | 11.9225% | 51 |
| Loan and lease loss provision to assets | 0.8949% | 91 |
| Net operating income to assets | 3.5854% | 57 |
| Return on assets (ROA) | 3.6519% | 54 |
| Pretax return on assets | 3.6519% | 69 |
| Return on Equity (ROE) | 24.4432% | 100 |
| Retained earnings to average equity (ytd only) | 0.8127% | 4,802 |
| Net charge-offs to loans | 2.2810% | 43 |
| Credit loss provision to net charge-offs | 105.8511% | 1,941 |
| Earnings coverage of net charge-offs (x) | 5.2996% | 2,721 |
| Efficiency ratio | 72.6857% | 1,890 |
| Assets per employee ($millions) | 0.5740% | 5,511 |
| Cash dividends to net income (ytd only)* | 96.6753% | 424 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8987% | 633 |
| Loan loss allowance to noncurrent loans | 985.0174% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.2977% | 3,569 |
| Noncurrent loans to loans | 0.1928% | 4,039 |
| Net loans and leases to total assets | 36.4543% | 5,164 |
| Net loans and leases to deposits | 44.9329% | 5,122 |
| Net loans and leases to core deposits | 45.3540% | 5,168 |
| Total domestic deposits to total assets | 81.1305% | 3,960 |
| Equity capital to assets | 14.8100% | 727 |
| Core capital (leverage) ratio | 15.1920% | 632 |
| Tier 1 risk-based capital ratio | 32.4197% | 394 |
| Total risk-based capital ratio | 33.6737% | 392 |
| Memoranda: |
| Average total assets | $400,286,670 | 1,725 |
| Average earning assets | $325,926,330 | 1,925 |
| Average equity | $59,804,000 | 1,329 |
| Average total loans | $148,358,670 | 2,684 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5261% | 4,831 |
| Cost of funding earning assets | 0.2006% | 5,011 |
| Net interest margin | 3.3255% | 4,118 |
| Noninterest income to average assets | 13.6518% | 50 |
| Noninterest expense to average assets | 11.9032% | 56 |
| Loan and lease loss provision to assets | 0.8698% | 102 |
| Net operating income to assets | 3.5632% | 59 |
| Return on assets (ROA) | 3.5662% | 59 |
| Pretax return on assets | 3.5662% | 71 |
| Return on Equity (ROE) | 23.7657% | 111 |
| Retained earnings to average equity (ytd only) | 2.4452% | 4,193 |
| Net charge-offs to loans | 2.1689% | 52 |
| Credit loss provision to net charge-offs | 108.3437% | 1,466 |
| Earnings coverage of net charge-offs (x) | 5.5218% | 2,228 |
| Efficiency ratio | 72.8641% | 2,062 |
| Assets per employee ($millions) | 0.5971% | 5,573 |
| Cash dividends to net income (ytd only)* | 89.7112% | 697 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9182% | 637 |
| Loan loss allowance to noncurrent loans | 771.8232% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.3073% | 3,611 |
| Noncurrent loans to loans | 0.2485% | 3,870 |
| Net loans and leases to total assets | 34.6243% | 5,251 |
| Net loans and leases to deposits | 42.3323% | 5,206 |
| Net loans and leases to core deposits | 42.6813% | 5,250 |
| Total domestic deposits to total assets | 81.7916% | 4,018 |
| Equity capital to assets | 14.4131% | 794 |
| Core capital (leverage) ratio | 15.0252% | 654 |
| Tier 1 risk-based capital ratio | 32.0154% | 405 |
| Total risk-based capital ratio | 33.2691% | 400 |
| Memoranda: |
| Average total assets | $400,093,000 | 1,741 |
| Average earning assets | $322,960,500 | 1,953 |
| Average equity | $60,036,000 | 1,330 |
| Average total loans | $148,093,000 | 2,711 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6231% | 4,523 |
| Cost of funding earning assets | 0.2016% | 4,942 |
| Net interest margin | 3.4215% | 3,783 |
| Noninterest income to average assets | 14.6479% | 48 |
| Noninterest expense to average assets | 11.9404% | 53 |
| Loan and lease loss provision to assets | 1.1585% | 81 |
| Net operating income to assets | 4.2986% | 43 |
| Return on assets (ROA) | 4.3238% | 42 |
| Pretax return on assets | 4.3238% | 61 |
| Return on Equity (ROE) | 28.9168% | 37 |
| Retained earnings to average equity (ytd only) | 6.4638% | 1,293 |
| Net charge-offs to loans | 3.0819% | 42 |
| Credit loss provision to net charge-offs | 99.9561% | 2,607 |
| Earnings coverage of net charge-offs (x) | 4.7084% | 3,426 |
| Efficiency ratio | 68.6330% | 2,770 |
| Assets per employee ($millions) | 0.5537% | 5,640 |
| Cash dividends to net income (ytd only)* | 77.6471% | 915 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8123% | 763 |
| Loan loss allowance to noncurrent loans | 662.1359% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.3401% | 3,503 |
| Noncurrent loans to loans | 0.2737% | 3,801 |
| Net loans and leases to total assets | 38.1347% | 5,215 |
| Net loans and leases to deposits | 47.2675% | 5,151 |
| Net loans and leases to core deposits | 47.6920% | 5,199 |
| Total domestic deposits to total assets | 80.6785% | 4,196 |
| Equity capital to assets | 15.6362% | 560 |
| Core capital (leverage) ratio | 15.5212% | 538 |
| Tier 1 risk-based capital ratio | 31.1470% | 413 |
| Total risk-based capital ratio | 32.3997% | 408 |
| Memoranda: |
| Average total assets | $393,176,400 | 1,734 |
| Average earning assets | $315,972,000 | 1,958 |
| Average equity | $58,789,400 | 1,333 |
| Average total loans | $147,863,000 | 2,675 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5966% | 4,567 |
| Cost of funding earning assets | 0.2037% | 4,945 |
| Net interest margin | 3.3929% | 3,868 |
| Noninterest income to average assets | 14.3579% | 54 |
| Noninterest expense to average assets | 11.9480% | 56 |
| Loan and lease loss provision to assets | 1.1343% | 88 |
| Net operating income to assets | 3.9994% | 53 |
| Return on assets (ROA) | 4.0363% | 51 |
| Pretax return on assets | 4.0363% | 72 |
| Return on Equity (ROE) | 27.3007% | 48 |
| Retained earnings to average equity (ytd only) | 7.5308% | 1,417 |
| Net charge-offs to loans | 3.0933% | 42 |
| Credit loss provision to net charge-offs | 98.3016% | 2,337 |
| Earnings coverage of net charge-offs (x) | 4.4489% | 3,224 |
| Efficiency ratio | 69.9458% | 2,545 |
| Assets per employee ($millions) | 0.5454% | 5,703 |
| Cash dividends to net income (ytd only)* | 72.4153% | 883 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7770% | 891 |
| Loan loss allowance to noncurrent loans | 618.7500% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.3541% | 3,617 |
| Noncurrent loans to loans | 0.2872% | 3,915 |
| Net loans and leases to total assets | 37.9980% | 5,266 |
| Net loans and leases to deposits | 47.0254% | 5,227 |
| Net loans and leases to core deposits | 47.4876% | 5,272 |
| Total domestic deposits to total assets | 80.8031% | 4,101 |
| Equity capital to assets | 15.3804% | 656 |
| Core capital (leverage) ratio | 15.2217% | 616 |
| Tier 1 risk-based capital ratio | 30.6741% | 449 |
| Total risk-based capital ratio | 31.9263% | 449 |
| Memoranda: |
| Average total assets | $394,578,500 | 1,736 |
| Average earning assets | $316,771,000 | 1,965 |
| Average equity | $58,336,500 | 1,356 |
| Average total loans | $147,197,250 | 2,700 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5775% | 4,570 |
| Cost of funding earning assets | 0.2029% | 4,948 |
| Net interest margin | 3.3746% | 3,859 |
| Noninterest income to average assets | 14.2051% | 53 |
| Noninterest expense to average assets | 11.9987% | 54 |
| Loan and lease loss provision to assets | 1.0351% | 94 |
| Net operating income to assets | 3.8730% | 60 |
| Return on assets (ROA) | 3.9088% | 58 |
| Pretax return on assets | 3.9088% | 77 |
| Return on Equity (ROE) | 26.7914% | 59 |
| Retained earnings to average equity (ytd only) | 10.7145% | 479 |
| Net charge-offs to loans | 2.4377% | 59 |
| Credit loss provision to net charge-offs | 115.2162% | 1,834 |
| Earnings coverage of net charge-offs (x) | 5.4632% | 2,821 |
| Efficiency ratio | 70.9700% | 2,516 |
| Assets per employee ($millions) | 0.5464% | 5,754 |
| Cash dividends to net income (ytd only)* | 60.0077% | 1,494 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0437% | 557 |
| Loan loss allowance to noncurrent loans | 213.8988% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.4431% | 3,339 |
| Noncurrent loans to loans | 0.9555% | 2,050 |
| Net loans and leases to total assets | 36.4599% | 5,363 |
| Net loans and leases to deposits | 44.9942% | 5,311 |
| Net loans and leases to core deposits | 45.4394% | 5,353 |
| Total domestic deposits to total assets | 81.0325% | 4,174 |
| Equity capital to assets | 14.9992% | 702 |
| Core capital (leverage) ratio | 14.7933% | 681 |
| Tier 1 risk-based capital ratio | 30.8261% | 436 |
| Total risk-based capital ratio | 32.0806% | 436 |
| Memoranda: |
| Average total assets | $396,491,670 | 1,733 |
| Average earning assets | $317,427,670 | 1,968 |
| Average equity | $57,847,000 | 1,368 |
| Average total loans | $146,121,670 | 2,712 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5064% | 4,676 |
| Cost of funding earning assets | 0.2032% | 4,950 |
| Net interest margin | 3.3031% | 3,998 |
| Noninterest income to average assets | 13.8592% | 53 |
| Noninterest expense to average assets | 12.0820% | 54 |
| Loan and lease loss provision to assets | 1.0003% | 87 |
| Net operating income to assets | 3.4266% | 72 |
| Return on assets (ROA) | 3.4930% | 69 |
| Pretax return on assets | 3.4930% | 101 |
| Return on Equity (ROE) | 24.2795% | 101 |
| Retained earnings to average equity (ytd only) | 24.2795% | 58 |
| Net charge-offs to loans | 2.2365% | 75 |
| Credit loss provision to net charge-offs | 121.9632% | 1,380 |
| Earnings coverage of net charge-offs (x) | 5.3975% | 2,296 |
| Efficiency ratio | 73.1850% | 2,374 |
| Assets per employee ($millions) | 0.5588% | 5,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0031% | 668 |
| Loan loss allowance to noncurrent loans | 249.6996% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.3682% | 3,726 |
| Noncurrent loans to loans | 0.8022% | 2,450 |
| Net loans and leases to total assets | 34.6983% | 5,449 |
| Net loans and leases to deposits | 42.2981% | 5,406 |
| Net loans and leases to core deposits | 42.6893% | 5,448 |
| Total domestic deposits to total assets | 82.0327% | 4,156 |
| Equity capital to assets | 14.3689% | 793 |
| Core capital (leverage) ratio | 14.8866% | 626 |
| Tier 1 risk-based capital ratio | 31.1053% | 442 |
| Total risk-based capital ratio | 32.3594% | 436 |
| Memoranda: |
| Average total assets | $397,484,000 | 1,742 |
| Average earning assets | $318,848,000 | 1,968 |
| Average equity | $57,184,000 | 1,379 |
| Average total loans | $145,763,500 | 2,746 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6163% | 4,473 |
| Cost of funding earning assets | 0.2262% | 4,772 |
| Net interest margin | 3.3901% | 3,854 |
| Noninterest income to average assets | 15.6130% | 49 |
| Noninterest expense to average assets | 12.7735% | 55 |
| Loan and lease loss provision to assets | 1.2725% | 79 |
| Net operating income to assets | 4.2598% | 44 |
| Return on assets (ROA) | 4.2003% | 45 |
| Pretax return on assets | 4.2003% | 56 |
| Return on Equity (ROE) | 29.2812% | 43 |
| Retained earnings to average equity (ytd only) | 9.9932% | 408 |
| Net charge-offs to loans | 3.4629% | 31 |
| Credit loss provision to net charge-offs | 106.3103% | 2,451 |
| Earnings coverage of net charge-offs (x) | 4.6220% | 3,471 |
| Efficiency ratio | 69.7784% | 2,941 |
| Assets per employee ($millions) | 0.5158% | 5,881 |
| Cash dividends to net income (ytd only)* | 65.8716% | 1,504 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8660% | 853 |
| Loan loss allowance to noncurrent loans | 223.9541% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.4064% | 3,649 |
| Noncurrent loans to loans | 0.8332% | 2,439 |
| Net loans and leases to total assets | 37.3094% | 5,434 |
| Net loans and leases to deposits | 45.5665% | 5,381 |
| Net loans and leases to core deposits | 46.0634% | 5,428 |
| Total domestic deposits to total assets | 81.8789% | 4,106 |
| Equity capital to assets | 14.4052% | 762 |
| Core capital (leverage) ratio | 14.4539% | 702 |
| Tier 1 risk-based capital ratio | 28.9009% | 522 |
| Total risk-based capital ratio | 30.1532% | 513 |
| Memoranda: |
| Average total assets | $381,304,800 | 1,757 |
| Average earning assets | $302,882,800 | 2,026 |
| Average equity | $54,697,200 | 1,408 |
| Average total loans | $131,796,600 | 2,894 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5731% | 4,626 |
| Cost of funding earning assets | 0.2326% | 4,768 |
| Net interest margin | 3.3405% | 4,055 |
| Noninterest income to average assets | 15.5085% | 47 |
| Noninterest expense to average assets | 13.0113% | 50 |
| Loan and lease loss provision to assets | 1.2414% | 74 |
| Net operating income to assets | 3.8987% | 53 |
| Return on assets (ROA) | 3.8107% | 55 |
| Pretax return on assets | 3.8107% | 78 |
| Return on Equity (ROE) | 26.5935% | 64 |
| Retained earnings to average equity (ytd only) | 9.4727% | 699 |
| Net charge-offs to loans | 3.4214% | 30 |
| Credit loss provision to net charge-offs | 107.6923% | 2,248 |
| Earnings coverage of net charge-offs (x) | 4.4591% | 3,266 |
| Efficiency ratio | 71.6823% | 2,618 |
| Assets per employee ($millions) | 0.5264% | 5,949 |
| Cash dividends to net income (ytd only)* | 64.3797% | 1,250 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8997% | 851 |
| Loan loss allowance to noncurrent loans | 217.3387% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.4064% | 3,800 |
| Noncurrent loans to loans | 0.8741% | 2,505 |
| Net loans and leases to total assets | 35.6812% | 5,564 |
| Net loans and leases to deposits | 43.8120% | 5,517 |
| Net loans and leases to core deposits | 44.2852% | 5,573 |
| Total domestic deposits to total assets | 81.4416% | 4,122 |
| Equity capital to assets | 14.6028% | 841 |
| Core capital (leverage) ratio | 14.0091% | 844 |
| Tier 1 risk-based capital ratio | 28.1679% | 574 |
| Total risk-based capital ratio | 29.4206% | 563 |
| Memoranda: |
| Average total assets | $380,428,000 | 1,765 |
| Average earning assets | $300,984,500 | 2,039 |
| Average equity | $54,513,250 | 1,419 |
| Average total loans | $128,170,500 | 2,955 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4782% | 4,927 |
| Cost of funding earning assets | 0.2407% | 4,749 |
| Net interest margin | 3.2375% | 4,417 |
| Noninterest income to average assets | 15.6197% | 48 |
| Noninterest expense to average assets | 13.3087% | 51 |
| Loan and lease loss provision to assets | 1.0540% | 93 |
| Net operating income to assets | 3.7887% | 58 |
| Return on assets (ROA) | 3.6519% | 59 |
| Pretax return on assets | 3.6519% | 85 |
| Return on Equity (ROE) | 25.6540% | 78 |
| Retained earnings to average equity (ytd only) | 8.8940% | 880 |
| Net charge-offs to loans | 2.9659% | 43 |
| Credit loss provision to net charge-offs | 108.4561% | 1,984 |
| Earnings coverage of net charge-offs (x) | 4.9831% | 2,905 |
| Efficiency ratio | 73.3205% | 2,466 |
| Assets per employee ($millions) | 0.4951% | 6,029 |
| Cash dividends to net income (ytd only)* | 65.3310% | 1,330 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8166% | 1,055 |
| Loan loss allowance to noncurrent loans | 829.3930% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.1765% | 4,793 |
| Noncurrent loans to loans | 0.2190% | 4,562 |
| Net loans and leases to total assets | 37.6387% | 5,530 |
| Net loans and leases to deposits | 46.6084% | 5,478 |
| Net loans and leases to core deposits | 47.0640% | 5,529 |
| Total domestic deposits to total assets | 80.7552% | 4,343 |
| Equity capital to assets | 15.1102% | 709 |
| Core capital (leverage) ratio | 13.4096% | 1,013 |
| Tier 1 risk-based capital ratio | 25.6714% | 751 |
| Total risk-based capital ratio | 26.9220% | 733 |
| Memoranda: |
| Average total assets | $377,227,670 | 1,776 |
| Average earning assets | $294,977,000 | 2,086 |
| Average equity | $53,699,330 | 1,435 |
| Average total loans | $123,606,670 | 3,026 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4046% | 5,116 |
| Cost of funding earning assets | 0.2424% | 4,779 |
| Net interest margin | 3.1622% | 4,698 |
| Noninterest income to average assets | 15.1050% | 49 |
| Noninterest expense to average assets | 13.1000% | 53 |
| Loan and lease loss provision to assets | 0.9519% | 99 |
| Net operating income to assets | 3.5146% | 68 |
| Return on assets (ROA) | 3.5325% | 64 |
| Pretax return on assets | 3.5325% | 92 |
| Return on Equity (ROE) | 25.5875% | 92 |
| Retained earnings to average equity (ytd only) | 9.1706% | 1,060 |
| Net charge-offs to loans | 2.5343% | 51 |
| Credit loss provision to net charge-offs | 125.0693% | 1,393 |
| Earnings coverage of net charge-offs (x) | 5.8684% | 2,287 |
| Efficiency ratio | 74.5739% | 2,391 |
| Assets per employee ($millions) | 0.4848% | 6,090 |
| Cash dividends to net income (ytd only)* | 64.1600% | 1,339 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2467% | 555 |
| Loan loss allowance to noncurrent loans | 1,366.6667% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.1417% | 5,009 |
| Noncurrent loans to loans | 0.1644% | 4,836 |
| Net loans and leases to total assets | 30.1165% | 5,826 |
| Net loans and leases to deposits | 36.6544% | 5,811 |
| Net loans and leases to core deposits | 36.9690% | 5,838 |
| Total domestic deposits to total assets | 82.1633% | 4,166 |
| Equity capital to assets | 14.0651% | 956 |
| Core capital (leverage) ratio | 13.1535% | 1,102 |
| Tier 1 risk-based capital ratio | 28.0488% | 606 |
| Total risk-based capital ratio | 29.3020% | 590 |
| Memoranda: |
| Average total assets | $379,451,000 | 1,763 |
| Average earning assets | $295,363,500 | 2,086 |
| Average equity | $52,385,000 | 1,474 |
| Average total loans | $113,957,000 | 3,183 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4367% | 5,083 |
| Cost of funding earning assets | 0.2710% | 4,574 |
| Net interest margin | 3.1657% | 4,734 |
| Noninterest income to average assets | 15.8524% | 51 |
| Noninterest expense to average assets | 14.1122% | 52 |
| Loan and lease loss provision to assets | 1.2331% | 64 |
| Net operating income to assets | 3.0129% | 85 |
| Return on assets (ROA) | 3.1520% | 81 |
| Pretax return on assets | 3.1520% | 110 |
| Return on Equity (ROE) | 22.8458% | 143 |
| Retained earnings to average equity (ytd only) | 9.0929% | 634 |
| Net charge-offs to loans | 3.6629% | 19 |
| Credit loss provision to net charge-offs | 107.0934% | 2,351 |
| Earnings coverage of net charge-offs (x) | 3.6876% | 3,679 |
| Efficiency ratio | 76.8717% | 2,136 |
| Assets per employee ($millions) | 0.4718% | 6,150 |
| Cash dividends to net income (ytd only)* | 60.1989% | 1,725 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1976% | 594 |
| Loan loss allowance to noncurrent loans | 333.6066% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.3033% | 4,389 |
| Noncurrent loans to loans | 0.6587% | 3,217 |
| Net loans and leases to total assets | 28.6140% | 5,928 |
| Net loans and leases to deposits | 34.7231% | 5,914 |
| Net loans and leases to core deposits | 35.0193% | 5,947 |
| Total domestic deposits to total assets | 82.4063% | 4,046 |
| Equity capital to assets | 13.5464% | 1,112 |
| Core capital (leverage) ratio | 13.3560% | 1,014 |
| Tier 1 risk-based capital ratio | 28.3484% | 582 |
| Total risk-based capital ratio | 29.6010% | 573 |
| Memoranda: |
| Average total assets | $363,642,000 | 1,799 |
| Average earning assets | $287,833,800 | 2,085 |
| Average equity | $50,171,200 | 1,484 |
| Average total loans | $114,308,800 | 3,133 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4482% | 5,100 |
| Cost of funding earning assets | 0.2798% | 4,559 |
| Net interest margin | 3.1684% | 4,777 |
| Noninterest income to average assets | 15.6622% | 52 |
| Noninterest expense to average assets | 14.1331% | 55 |
| Loan and lease loss provision to assets | 1.1831% | 55 |
| Net operating income to assets | 2.8483% | 101 |
| Return on assets (ROA) | 3.0322% | 86 |
| Pretax return on assets | 3.0322% | 118 |
| Return on Equity (ROE) | 21.8724% | 195 |
| Retained earnings to average equity (ytd only) | 9.0346% | 891 |
| Net charge-offs to loans | 3.4124% | 27 |
| Credit loss provision to net charge-offs | 108.3164% | 2,136 |
| Earnings coverage of net charge-offs (x) | 3.6908% | 3,465 |
| Efficiency ratio | 77.8061% | 1,969 |
| Assets per employee ($millions) | 0.4250% | 6,243 |
| Cash dividends to net income (ytd only)* | 58.6940% | 1,478 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9860% | 933 |
| Loan loss allowance to noncurrent loans | 326.1937% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.3280% | 4,454 |
| Noncurrent loans to loans | 0.6088% | 3,488 |
| Net loans and leases to total assets | 33.5730% | 5,875 |
| Net loans and leases to deposits | 40.6793% | 5,844 |
| Net loans and leases to core deposits | 41.0535% | 5,885 |
| Total domestic deposits to total assets | 82.5308% | 3,977 |
| Equity capital to assets | 14.4923% | 857 |
| Core capital (leverage) ratio | 13.0925% | 1,169 |
| Tier 1 risk-based capital ratio | 26.2250% | 746 |
| Total risk-based capital ratio | 27.4761% | 731 |
| Memoranda: |
| Average total assets | $359,600,750 | 1,834 |
| Average earning assets | $284,003,750 | 2,124 |
| Average equity | $49,851,500 | 1,501 |
| Average total loans | $115,106,000 | 3,146 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4034% | 5,222 |
| Cost of funding earning assets | 0.2861% | 4,550 |
| Net interest margin | 3.1174% | 4,924 |
| Noninterest income to average assets | 15.5846% | 54 |
| Noninterest expense to average assets | 14.3845% | 52 |
| Loan and lease loss provision to assets | 0.9958% | 68 |
| Net operating income to assets | 2.6524% | 141 |
| Return on assets (ROA) | 2.8915% | 103 |
| Pretax return on assets | 2.8915% | 147 |
| Return on Equity (ROE) | 21.1682% | 226 |
| Retained earnings to average equity (ytd only) | 9.0444% | 910 |
| Net charge-offs to loans | 2.8903% | 41 |
| Credit loss provision to net charge-offs | 110.1343% | 1,922 |
| Earnings coverage of net charge-offs (x) | 4.0348% | 3,098 |
| Efficiency ratio | 79.7686% | 1,794 |
| Assets per employee ($millions) | 0.4550% | 6,319 |
| Cash dividends to net income (ytd only)* | 57.2738% | 1,636 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9737% | 1,024 |
| Loan loss allowance to noncurrent loans | 313.7042% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.3405% | 4,515 |
| Noncurrent loans to loans | 0.6292% | 3,586 |
| Net loans and leases to total assets | 32.3969% | 5,954 |
| Net loans and leases to deposits | 39.1204% | 5,935 |
| Net loans and leases to core deposits | 39.4772% | 5,975 |
| Total domestic deposits to total assets | 82.8135% | 4,024 |
| Equity capital to assets | 14.0845% | 960 |
| Core capital (leverage) ratio | 12.6447% | 1,318 |
| Tier 1 risk-based capital ratio | 26.1907% | 762 |
| Total risk-based capital ratio | 27.4414% | 749 |
| Memoranda: |
| Average total assets | $362,307,000 | 1,827 |
| Average earning assets | $284,536,000 | 2,134 |
| Average equity | $49,489,330 | 1,518 |
| Average total loans | $113,343,330 | 3,192 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3512% | 5,326 |
| Cost of funding earning assets | 0.2914% | 4,538 |
| Net interest margin | 3.0598% | 5,062 |
| Noninterest income to average assets | 14.8003% | 55 |
| Noninterest expense to average assets | 13.8348% | 53 |
| Loan and lease loss provision to assets | 0.8716% | 100 |
| Net operating income to assets | 2.4793% | 161 |
| Return on assets (ROA) | 2.8987% | 97 |
| Pretax return on assets | 2.8987% | 139 |
| Return on Equity (ROE) | 21.5453% | 204 |
| Retained earnings to average equity (ytd only) | 10.5859% | 799 |
| Net charge-offs to loans | 2.4479% | 63 |
| Credit loss provision to net charge-offs | 117.0088% | 1,467 |
| Earnings coverage of net charge-offs (x) | 4.4985% | 2,487 |
| Efficiency ratio | 80.5021% | 1,830 |
| Assets per employee ($millions) | 0.4576% | 6,391 |
| Cash dividends to net income (ytd only)* | 50.8666% | 1,704 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9849% | 1,113 |
| Loan loss allowance to noncurrent loans | 313.2964% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.3108% | 4,741 |
| Noncurrent loans to loans | 0.6335% | 3,690 |
| Net loans and leases to total assets | 30.4013% | 6,058 |
| Net loans and leases to deposits | 36.4394% | 6,042 |
| Net loans and leases to core deposits | 36.8385% | 6,079 |
| Total domestic deposits to total assets | 83.4295% | 4,033 |
| Equity capital to assets | 13.6836% | 1,101 |
| Core capital (leverage) ratio | 12.1322% | 1,560 |
| Tier 1 risk-based capital ratio | 25.9519% | 789 |
| Total risk-based capital ratio | 27.2022% | 771 |
| Memoranda: |
| Average total assets | $366,237,000 | 1,814 |
| Average earning assets | $285,507,000 | 2,138 |
| Average equity | $49,273,000 | 1,531 |
| Average total loans | $111,444,000 | 3,239 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1262% | 5,921 |
| Cost of funding earning assets | 0.3305% | 4,484 |
| Net interest margin | 2.7957% | 5,815 |
| Noninterest income to average assets | 15.7753% | 51 |
| Noninterest expense to average assets | 12.9379% | 56 |
| Loan and lease loss provision to assets | 1.6111% | 47 |
| Net operating income to assets | 3.4821% | 70 |
| Return on assets (ROA) | 3.4641% | 71 |
| Pretax return on assets | 3.4527% | 83 |
| Return on Equity (ROE) | 29.9276% | 58 |
| Retained earnings to average equity (ytd only) | 9.6127% | 580 |
| Net charge-offs to loans | 6.9074% | 6 |
| Credit loss provision to net charge-offs | 84.6572% | 2,769 |
| Earnings coverage of net charge-offs (x) | 2.6703% | 4,092 |
| Efficiency ratio | 71.7983% | 3,239 |
| Assets per employee ($millions) | 0.4529% | 6,477 |
| Cash dividends to net income (ytd only)* | 67.8801% | 1,387 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9701% | 1,164 |
| Loan loss allowance to noncurrent loans | 260.7533% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.3405% | 4,693 |
| Noncurrent loans to loans | 0.7556% | 3,432 |
| Net loans and leases to total assets | 29.2504% | 6,196 |
| Net loans and leases to deposits | 34.8296% | 6,198 |
| Net loans and leases to core deposits | 35.2458% | 6,215 |
| Total domestic deposits to total assets | 83.9813% | 3,722 |
| Equity capital to assets | 13.2227% | 1,263 |
| Core capital (leverage) ratio | 12.6771% | 1,267 |
| Tier 1 risk-based capital ratio | 27.4880% | 645 |
| Total risk-based capital ratio | 28.7378% | 629 |
| Memoranda: |
| Average total assets | $387,003,600 | 1,689 |
| Average earning assets | $310,694,800 | 1,930 |
| Average equity | $44,794,800 | 1,613 |
| Average total loans | $106,625,000 | 3,292 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0611% | 6,075 |
| Cost of funding earning assets | 0.3370% | 4,504 |
| Net interest margin | 2.7241% | 5,976 |
| Noninterest income to average assets | 15.1582% | 50 |
| Noninterest expense to average assets | 13.1292% | 52 |
| Loan and lease loss provision to assets | 1.4030% | 62 |
| Net operating income to assets | 2.8365% | 107 |
| Return on assets (ROA) | 2.4041% | 167 |
| Pretax return on assets | 2.3929% | 258 |
| Return on Equity (ROE) | 21.4810% | 211 |
| Retained earnings to average equity (ytd only) | 8.1256% | 1,300 |
| Net charge-offs to loans | 6.5703% | 5 |
| Credit loss provision to net charge-offs | 79.0279% | 2,614 |
| Earnings coverage of net charge-offs (x) | 2.3817% | 3,927 |
| Efficiency ratio | 75.6400% | 2,549 |
| Assets per employee ($millions) | 0.4626% | 6,555 |
| Cash dividends to net income (ytd only)* | 62.1733% | 1,293 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9674% | 1,314 |
| Loan loss allowance to noncurrent loans | 246.4932% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.3193% | 4,997 |
| Noncurrent loans to loans | 0.7982% | 3,589 |
| Net loans and leases to total assets | 28.2107% | 6,314 |
| Net loans and leases to deposits | 38.3670% | 6,172 |
| Net loans and leases to core deposits | 38.8607% | 6,212 |
| Total domestic deposits to total assets | 73.5285% | 6,052 |
| Equity capital to assets | 12.5443% | 1,664 |
| Core capital (leverage) ratio | 11.8164% | 1,822 |
| Tier 1 risk-based capital ratio | 25.2787% | 855 |
| Total risk-based capital ratio | 26.4945% | 845 |
| Memoranda: |
| Average total assets | $392,490,750 | 1,684 |
| Average earning assets | $316,871,250 | 1,899 |
| Average equity | $43,926,000 | 1,646 |
| Average total loans | $106,049,750 | 3,330 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0578% | 6,120 |
| Cost of funding earning assets | 0.3501% | 4,437 |
| Net interest margin | 2.7077% | 6,045 |
| Noninterest income to average assets | 14.6744% | 50 |
| Noninterest expense to average assets | 13.8218% | 51 |
| Loan and lease loss provision to assets | 0.9478% | 113 |
| Net operating income to assets | 2.1062% | 274 |
| Return on assets (ROA) | 2.1229% | 281 |
| Pretax return on assets | 2.1062% | 439 |
| Return on Equity (ROE) | 19.7435% | 303 |
| Retained earnings to average equity (ytd only) | 8.4427% | 1,157 |
| Net charge-offs to loans | 5.7905% | 7 |
| Credit loss provision to net charge-offs | 61.8843% | 2,610 |
| Earnings coverage of net charge-offs (x) | 1.9831% | 3,675 |
| Efficiency ratio | 81.9844% | 1,752 |
| Assets per employee ($millions) | 0.4621% | 6,623 |
| Cash dividends to net income (ytd only)* | 57.2383% | 1,636 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9458% | 1,469 |
| Loan loss allowance to noncurrent loans | 307.6812% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.2626% | 5,302 |
| Noncurrent loans to loans | 0.6324% | 4,129 |
| Net loans and leases to total assets | 27.1427% | 6,390 |
| Net loans and leases to deposits | 37.4339% | 6,246 |
| Net loans and leases to core deposits | 37.9119% | 6,279 |
| Total domestic deposits to total assets | 72.5082% | 6,215 |
| Equity capital to assets | 11.9174% | 2,050 |
| Core capital (leverage) ratio | 11.3995% | 2,086 |
| Tier 1 risk-based capital ratio | 24.4810% | 936 |
| Total risk-based capital ratio | 25.6495% | 919 |
| Memoranda: |
| Average total assets | $395,029,330 | 1,678 |
| Average earning assets | $318,722,330 | 1,886 |
| Average equity | $42,474,670 | 1,684 |
| Average total loans | $104,481,330 | 3,368 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0253% | 6,217 |
| Cost of funding earning assets | 0.3564% | 4,475 |
| Net interest margin | 2.6689% | 6,143 |
| Noninterest income to average assets | 13.8549% | 55 |
| Noninterest expense to average assets | 12.7676% | 56 |
| Loan and lease loss provision to assets | 1.3108% | 80 |
| Net operating income to assets | 1.9531% | 368 |
| Return on assets (ROA) | 1.9572% | 379 |
| Pretax return on assets | 1.9238% | 622 |
| Return on Equity (ROE) | 19.2413% | 342 |
| Retained earnings to average equity (ytd only) | 7.3087% | 1,903 |
| Net charge-offs to loans | 4.7137% | 26 |
| Credit loss provision to net charge-offs | 107.6412% | 1,562 |
| Earnings coverage of net charge-offs (x) | 2.6528% | 2,826 |
| Efficiency ratio | 79.8065% | 2,239 |
| Assets per employee ($millions) | 0.4610% | 6,693 |
| Cash dividends to net income (ytd only)* | 62.0155% | 1,359 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2865% | 331 |
| Loan loss allowance to noncurrent loans | 504.9475% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.1684% | 5,731 |
| Noncurrent loans to loans | 0.6509% | 4,234 |
| Net loans and leases to total assets | 25.0289% | 6,488 |
| Net loans and leases to deposits | 32.9044% | 6,402 |
| Net loans and leases to core deposits | 33.3019% | 6,425 |
| Total domestic deposits to total assets | 76.0654% | 6,071 |
| Equity capital to assets | 10.7727% | 2,958 |
| Core capital (leverage) ratio | 10.2020% | 3,289 |
| Tier 1 risk-based capital ratio | 23.1278% | 1,127 |
| Total risk-based capital ratio | 24.3859% | 1,111 |
| Memoranda: |
| Average total assets | $395,470,500 | 1,686 |
| Average earning assets | $317,589,000 | 1,900 |
| Average equity | $40,226,000 | 1,765 |
| Average total loans | $102,169,500 | 3,421 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0256% | 6,320 |
| Cost of funding earning assets | 0.4092% | 4,549 |
| Net interest margin | 2.6164% | 6,246 |
| Noninterest income to average assets | 14.6853% | 49 |
| Noninterest expense to average assets | 12.9744% | 58 |
| Loan and lease loss provision to assets | 1.7730% | 59 |
| Net operating income to assets | 2.0594% | 306 |
| Return on assets (ROA) | 1.9740% | 356 |
| Pretax return on assets | 1.9742% | 515 |
| Return on Equity (ROE) | 20.4494% | 260 |
| Retained earnings to average equity (ytd only) | 3.7715% | 3,521 |
| Net charge-offs to loans | 8.8373% | 7 |
| Credit loss provision to net charge-offs | 103.4920% | 2,342 |
| Earnings coverage of net charge-offs (x) | 2.2371% | 4,271 |
| Efficiency ratio | 77.1962% | 2,592 |
| Assets per employee ($millions) | 0.4498% | 6,774 |
| Cash dividends to net income (ytd only)* | 81.5568% | 873 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2162% | 362 |
| Loan loss allowance to noncurrent loans | 443.3018% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.1871% | 5,750 |
| Noncurrent loans to loans | 0.7255% | 4,151 |
| Net loans and leases to total assets | 24.9609% | 6,589 |
| Net loans and leases to deposits | 33.1167% | 6,507 |
| Net loans and leases to core deposits | 33.5526% | 6,524 |
| Total domestic deposits to total assets | 75.3726% | 6,156 |
| Equity capital to assets | 9.5691% | 4,323 |
| Core capital (leverage) ratio | 10.1387% | 3,378 |
| Tier 1 risk-based capital ratio | 22.7091% | 1,145 |
| Total risk-based capital ratio | 23.9667% | 1,120 |
| Memoranda: |
| Average total assets | $391,139,600 | 1,688 |
| Average earning assets | $317,194,000 | 1,874 |
| Average equity | $37,756,600 | 1,840 |
| Average total loans | $75,826,400 | 4,064 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9141% | 6,484 |
| Cost of funding earning assets | 0.4194% | 4,627 |
| Net interest margin | 2.4947% | 6,432 |
| Noninterest income to average assets | 14.6494% | 51 |
| Noninterest expense to average assets | 13.0170% | 59 |
| Loan and lease loss provision to assets | 1.7318% | 57 |
| Net operating income to assets | 1.9269% | 415 |
| Return on assets (ROA) | 1.8804% | 460 |
| Pretax return on assets | 1.8808% | 740 |
| Return on Equity (ROE) | 19.4374% | 340 |
| Retained earnings to average equity (ytd only) | 2.1405% | 5,030 |
| Net charge-offs to loans | 9.5345% | 7 |
| Credit loss provision to net charge-offs | 102.2393% | 2,290 |
| Earnings coverage of net charge-offs (x) | 2.1602% | 4,118 |
| Efficiency ratio | 78.0583% | 2,411 |
| Assets per employee ($millions) | 0.4462% | 6,854 |
| Cash dividends to net income (ytd only)* | 88.9878% | 586 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5514% | 322 |
| Loan loss allowance to noncurrent loans | 482.8484% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.1659% | 5,943 |
| Noncurrent loans to loans | 0.7355% | 4,379 |
| Net loans and leases to total assets | 21.7568% | 6,720 |
| Net loans and leases to deposits | 30.5745% | 6,657 |
| Net loans and leases to core deposits | 30.9623% | 6,666 |
| Total domestic deposits to total assets | 71.1599% | 6,541 |
| Equity capital to assets | 8.9310% | 5,264 |
| Core capital (leverage) ratio | 10.0148% | 3,660 |
| Tier 1 risk-based capital ratio | 23.3491% | 1,086 |
| Total risk-based capital ratio | 24.6065% | 1,066 |
| Memoranda: |
| Average total assets | $390,187,000 | 1,699 |
| Average earning assets | $316,981,750 | 1,889 |
| Average equity | $37,747,500 | 1,850 |
| Average total loans | $69,318,250 | 4,322 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9103% | 6,525 |
| Cost of funding earning assets | 0.4411% | 4,528 |
| Net interest margin | 2.4692% | 6,480 |
| Noninterest income to average assets | 14.1598% | 53 |
| Noninterest expense to average assets | 12.7400% | 61 |
| Loan and lease loss provision to assets | 1.4779% | 88 |
| Net operating income to assets | 1.9416% | 392 |
| Return on assets (ROA) | 1.8907% | 465 |
| Pretax return on assets | 1.8907% | 764 |
| Return on Equity (ROE) | 19.0504% | 378 |
| Retained earnings to average equity (ytd only) | -0.0984% | 5,875 |
| Net charge-offs to loans | 9.0943% | 9 |
| Credit loss provision to net charge-offs | 100.6300% | 2,192 |
| Earnings coverage of net charge-offs (x) | 2.3283% | 3,746 |
| Efficiency ratio | 78.8389% | 2,332 |
| Assets per employee ($millions) | 0.4513% | 6,903 |
| Cash dividends to net income (ytd only)* | 100.5166% | 508 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.0830% | 240 |
| Loan loss allowance to noncurrent loans | 478.1250% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.1610% | 6,011 |
| Noncurrent loans to loans | 0.8540% | 4,212 |
| Net loans and leases to total assets | 18.0816% | 6,818 |
| Net loans and leases to deposits | 24.4960% | 6,797 |
| Net loans and leases to core deposits | 25.0226% | 6,796 |
| Total domestic deposits to total assets | 73.8146% | 6,454 |
| Equity capital to assets | 8.7822% | 5,460 |
| Core capital (leverage) ratio | 9.6023% | 4,076 |
| Tier 1 risk-based capital ratio | 24.1908% | 977 |
| Total risk-based capital ratio | 25.4489% | 954 |
| Memoranda: |
| Average total assets | $389,058,000 | 1,704 |
| Average earning assets | $315,085,670 | 1,900 |
| Average equity | $38,613,330 | 1,815 |
| Average total loans | $62,830,330 | 4,577 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1334% | 6,369 |
| Cost of funding earning assets | 0.4550% | 4,537 |
| Net interest margin | 2.6784% | 6,254 |
| Noninterest income to average assets | 13.8624% | 57 |
| Noninterest expense to average assets | 12.8011% | 62 |
| Loan and lease loss provision to assets | 1.2941% | 120 |
| Net operating income to assets | 1.9272% | 386 |
| Return on assets (ROA) | 1.9022% | 442 |
| Pretax return on assets | 1.9022% | 734 |
| Return on Equity (ROE) | 18.0906% | 429 |
| Retained earnings to average equity (ytd only) | -6.5937% | 6,447 |
| Net charge-offs to loans | 9.9765% | 13 |
| Credit loss provision to net charge-offs | 87.9237% | 2,059 |
| Earnings coverage of net charge-offs (x) | 2.1886% | 3,105 |
| Efficiency ratio | 79.8949% | 2,348 |
| Assets per employee ($millions) | 0.4485% | 6,981 |
| Cash dividends to net income (ytd only)* | 136.4481% | 411 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.8961% | 148 |
| Loan loss allowance to noncurrent loans | 419.7368% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.1729% | 6,053 |
| Noncurrent loans to loans | 1.1665% | 3,823 |
| Net loans and leases to total assets | 14.0987% | 6,925 |
| Net loans and leases to deposits | 18.5449% | 6,920 |
| Net loans and leases to core deposits | 18.8942% | 6,914 |
| Total domestic deposits to total assets | 76.0248% | 6,363 |
| Equity capital to assets | 10.1652% | 3,939 |
| Core capital (leverage) ratio | 9.6943% | 3,801 |
| Tier 1 risk-based capital ratio | 25.3513% | 854 |
| Total risk-based capital ratio | 26.6094% | 838 |
| Memoranda: |
| Average total assets | $384,810,500 | 1,739 |
| Average earning assets | $310,337,500 | 1,958 |
| Average equity | $40,463,000 | 1,758 |
| Average total loans | $56,773,500 | 4,829 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3874% | 6,499 |
| Cost of funding earning assets | 0.5242% | 5,032 |
| Net interest margin | 2.8633% | 6,293 |
| Noninterest income to average assets | 14.7794% | 53 |
| Noninterest expense to average assets | 13.3146% | 59 |
| Loan and lease loss provision to assets | 1.8359% | 132 |
| Net operating income to assets | 1.9106% | 419 |
| Return on assets (ROA) | 1.8314% | 546 |
| Pretax return on assets | 1.8669% | 797 |
| Return on Equity (ROE) | 17.5423% | 482 |
| Retained earnings to average equity (ytd only) | 6.5477% | 1,793 |
| Net charge-offs to loans | 12.7680% | 1 |
| Credit loss provision to net charge-offs | 101.5946% | 2,982 |
| Earnings coverage of net charge-offs (x) | 2.0938% | 4,365 |
| Efficiency ratio | 77.8709% | 2,464 |
| Assets per employee ($millions) | 0.4156% | 7,048 |
| Cash dividends to net income (ytd only)* | 62.6748% | 1,668 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.5401% | 94 |
| Loan loss allowance to noncurrent loans | 379.3017% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.2144% | 6,024 |
| Noncurrent loans to loans | 1.4606% | 3,404 |
| Net loans and leases to total assets | 13.8654% | 6,986 |
| Net loans and leases to deposits | 17.6550% | 6,990 |
| Net loans and leases to core deposits | 17.8346% | 6,983 |
| Total domestic deposits to total assets | 78.5351% | 5,981 |
| Equity capital to assets | 10.8850% | 3,082 |
| Core capital (leverage) ratio | 10.3843% | 2,905 |
| Tier 1 risk-based capital ratio | 26.4819% | 731 |
| Total risk-based capital ratio | 27.7420% | 720 |
| Memoranda: |
| Average total assets | $374,792,400 | 1,736 |
| Average earning assets | $303,532,400 | 1,951 |
| Average equity | $39,128,200 | 1,778 |
| Average total loans | $53,046,800 | 4,981 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4053% | 6,622 |
| Cost of funding earning assets | 0.5446% | 5,130 |
| Net interest margin | 2.8607% | 6,418 |
| Noninterest income to average assets | 14.5362% | 53 |
| Noninterest expense to average assets | 13.2707% | 58 |
| Loan and lease loss provision to assets | 1.7693% | 162 |
| Net operating income to assets | 1.8159% | 546 |
| Return on assets (ROA) | 1.7313% | 714 |
| Pretax return on assets | 1.7313% | 1,201 |
| Return on Equity (ROE) | 16.7615% | 632 |
| Retained earnings to average equity (ytd only) | 5.3049% | 3,152 |
| Net charge-offs to loans | 12.1840% | 3 |
| Credit loss provision to net charge-offs | 103.5588% | 2,843 |
| Earnings coverage of net charge-offs (x) | 2.0984% | 4,221 |
| Efficiency ratio | 78.7301% | 2,278 |
| Assets per employee ($millions) | 0.3678% | 7,152 |
| Cash dividends to net income (ytd only)* | 68.3507% | 975 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.8032% | 78 |
| Loan loss allowance to noncurrent loans | 1,154.2751% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.4633% | 5,506 |
| Noncurrent loans to loans | 0.5028% | 5,437 |
| Net loans and leases to total assets | 14.6412% | 7,082 |
| Net loans and leases to deposits | 17.7352% | 7,091 |
| Net loans and leases to core deposits | 17.9211% | 7,087 |
| Total domestic deposits to total assets | 82.5541% | 4,811 |
| Equity capital to assets | 12.3256% | 2,014 |
| Core capital (leverage) ratio | 10.1537% | 3,343 |
| Tier 1 risk-based capital ratio | 26.4243% | 789 |
| Total risk-based capital ratio | 27.6856% | 770 |
| Memoranda: |
| Average total assets | $374,971,750 | 1,760 |
| Average earning assets | $304,065,750 | 1,963 |
| Average equity | $38,730,750 | 1,813 |
| Average total loans | $52,581,250 | 5,046 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3480% | 6,780 |
| Cost of funding earning assets | 0.5541% | 5,278 |
| Net interest margin | 2.7940% | 6,592 |
| Noninterest income to average assets | 14.1136% | 57 |
| Noninterest expense to average assets | 12.9527% | 62 |
| Loan and lease loss provision to assets | 1.5757% | 221 |
| Net operating income to assets | 1.8602% | 500 |
| Return on assets (ROA) | 1.7497% | 689 |
| Pretax return on assets | 1.7497% | 1,139 |
| Return on Equity (ROE) | 17.9743% | 513 |
| Retained earnings to average equity (ytd only) | 5.9950% | 2,718 |
| Net charge-offs to loans | 10.6938% | 6 |
| Credit loss provision to net charge-offs | 108.5868% | 2,508 |
| Earnings coverage of net charge-offs (x) | 2.3678% | 3,818 |
| Efficiency ratio | 79.0344% | 2,317 |
| Assets per employee ($millions) | 0.4024% | 7,211 |
| Cash dividends to net income (ytd only)* | 66.6469% | 1,174 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.4648% | 63 |
| Loan loss allowance to noncurrent loans | 1,206.8441% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.4322% | 5,695 |
| Noncurrent loans to loans | 0.5357% | 5,449 |
| Net loans and leases to total assets | 11.6823% | 7,171 |
| Net loans and leases to deposits | 13.2632% | 7,178 |
| Net loans and leases to core deposits | 13.3848% | 7,174 |
| Total domestic deposits to total assets | 88.0801% | 2,088 |
| Equity capital to assets | 9.9049% | 4,476 |
| Core capital (leverage) ratio | 10.0282% | 3,388 |
| Tier 1 risk-based capital ratio | 26.5996% | 762 |
| Total risk-based capital ratio | 27.8620% | 752 |
| Memoranda: |
| Average total assets | $385,217,330 | 1,718 |
| Average earning assets | $313,676,330 | 1,905 |
| Average equity | $37,498,000 | 1,863 |
| Average total loans | $52,273,330 | 5,099 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3520% | 6,856 |
| Cost of funding earning assets | 0.5636% | 5,403 |
| Net interest margin | 2.7884% | 6,655 |
| Noninterest income to average assets | 13.8493% | 56 |
| Noninterest expense to average assets | 12.9156% | 59 |
| Loan and lease loss provision to assets | 1.3922% | 263 |
| Net operating income to assets | 1.8097% | 589 |
| Return on assets (ROA) | 1.6450% | 896 |
| Pretax return on assets | 1.6450% | 1,443 |
| Return on Equity (ROE) | 17.0532% | 661 |
| Retained earnings to average equity (ytd only) | 2.8495% | 4,821 |
| Net charge-offs to loans | 8.3993% | 30 |
| Credit loss provision to net charge-offs | 117.3298% | 2,018 |
| Earnings coverage of net charge-offs (x) | 2.6985% | 3,100 |
| Efficiency ratio | 80.1341% | 2,183 |
| Assets per employee ($millions) | 0.4090% | 7,276 |
| Cash dividends to net income (ytd only)* | 83.2908% | 755 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.0058% | 85 |
| Loan loss allowance to noncurrent loans | 1,000.0000% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.4135% | 5,828 |
| Noncurrent loans to loans | 0.6006% | 5,460 |
| Net loans and leases to total assets | 12.3596% | 7,225 |
| Net loans and leases to deposits | 13.9865% | 7,233 |
| Net loans and leases to core deposits | 14.1363% | 7,228 |
| Total domestic deposits to total assets | 88.3681% | 2,089 |
| Equity capital to assets | 9.5703% | 4,691 |
| Core capital (leverage) ratio | 9.8376% | 3,585 |
| Tier 1 risk-based capital ratio | 25.3839% | 868 |
| Total risk-based capital ratio | 26.6444% | 844 |
| Memoranda: |
| Average total assets | $381,276,000 | 1,740 |
| Average earning assets | $310,146,500 | 1,927 |
| Average equity | $36,779,000 | 1,895 |
| Average total loans | $53,861,500 | 5,079 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8818% | 6,637 |
| Cost of funding earning assets | 0.7614% | 5,126 |
| Net interest margin | 3.1204% | 6,294 |
| Noninterest income to average assets | 16.1092% | 39 |
| Noninterest expense to average assets | 13.7389% | 51 |
| Loan and lease loss provision to assets | 1.9721% | 306 |
| Net operating income to assets | 2.9301% | 92 |
| Return on assets (ROA) | 2.7522% | 105 |
| Pretax return on assets | 2.7522% | 153 |
| Return on Equity (ROE) | 28.7328% | 50 |
| Retained earnings to average equity (ytd only) | 15.7075% | 106 |
| Net charge-offs to loans | 10.9431% | 4 |
| Credit loss provision to net charge-offs | 102.7141% | 3,369 |
| Earnings coverage of net charge-offs (x) | 2.5532% | 3,937 |
| Efficiency ratio | 73.7022% | 3,280 |
| Assets per employee ($millions) | 0.4007% | 7,323 |
| Cash dividends to net income (ytd only)* | 45.3324% | 2,312 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.2763% | 150 |
| Loan loss allowance to noncurrent loans | 543.3333% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.5095% | 5,694 |
| Noncurrent loans to loans | 0.9711% | 4,765 |
| Net loans and leases to total assets | 14.3832% | 7,267 |
| Net loans and leases to deposits | 16.2393% | 7,277 |
| Net loans and leases to core deposits | 16.4270% | 7,270 |
| Total domestic deposits to total assets | 88.5706% | 1,807 |
| Equity capital to assets | 9.7285% | 4,552 |
| Core capital (leverage) ratio | 10.1469% | 3,172 |
| Tier 1 risk-based capital ratio | 25.9006% | 786 |
| Total risk-based capital ratio | 27.1609% | 773 |
| Memoranda: |
| Average total assets | $356,920,200 | 1,814 |
| Average earning assets | $289,610,400 | 2,027 |
| Average equity | $34,187,400 | 1,961 |
| Average total loans | $62,624,200 | 4,768 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9546% | 6,657 |
| Cost of funding earning assets | 0.8169% | 5,036 |
| Net interest margin | 3.1377% | 6,324 |
| Noninterest income to average assets | 16.2347% | 40 |
| Noninterest expense to average assets | 13.8054% | 50 |
| Loan and lease loss provision to assets | 1.9218% | 291 |
| Net operating income to assets | 3.0509% | 91 |
| Return on assets (ROA) | 2.8749% | 105 |
| Pretax return on assets | 2.8749% | 152 |
| Return on Equity (ROE) | 30.1365% | 57 |
| Retained earnings to average equity (ytd only) | 17.5395% | 122 |
| Net charge-offs to loans | 10.3345% | 13 |
| Credit loss provision to net charge-offs | 102.4248% | 3,257 |
| Earnings coverage of net charge-offs (x) | 2.6503% | 3,794 |
| Efficiency ratio | 73.5188% | 3,272 |
| Assets per employee ($millions) | 0.4125% | 7,403 |
| Cash dividends to net income (ytd only)* | 41.7997% | 1,954 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.0076% | 186 |
| Loan loss allowance to noncurrent loans | 858.9820% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.2178% | 6,516 |
| Noncurrent loans to loans | 0.5830% | 5,710 |
| Net loans and leases to total assets | 14.2157% | 7,343 |
| Net loans and leases to deposits | 16.1148% | 7,353 |
| Net loans and leases to core deposits | 16.2931% | 7,345 |
| Total domestic deposits to total assets | 88.2155% | 1,914 |
| Equity capital to assets | 9.3689% | 5,276 |
| Core capital (leverage) ratio | 9.7312% | 3,802 |
| Tier 1 risk-based capital ratio | 25.5485% | 869 |
| Total risk-based capital ratio | 26.8090% | 856 |
| Memoranda: |
| Average total assets | $354,597,250 | 1,835 |
| Average earning assets | $287,425,250 | 2,049 |
| Average equity | $33,827,500 | 1,977 |
| Average total loans | $64,378,500 | 4,734 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1139% | 6,465 |
| Cost of funding earning assets | 0.8760% | 4,859 |
| Net interest margin | 3.2379% | 6,035 |
| Noninterest income to average assets | 16.5681% | 42 |
| Noninterest expense to average assets | 14.0969% | 50 |
| Loan and lease loss provision to assets | 1.7475% | 384 |
| Net operating income to assets | 3.3235% | 90 |
| Return on assets (ROA) | 3.2169% | 94 |
| Pretax return on assets | 3.2169% | 128 |
| Return on Equity (ROE) | 33.4989% | 50 |
| Retained earnings to average equity (ytd only) | 24.5570% | 54 |
| Net charge-offs to loans | 8.4477% | 30 |
| Credit loss provision to net charge-offs | 106.9883% | 2,886 |
| Earnings coverage of net charge-offs (x) | 3.1046% | 3,302 |
| Efficiency ratio | 73.5445% | 3,455 |
| Assets per employee ($millions) | 0.3770% | 7,480 |
| Cash dividends to net income (ytd only)* | 26.6931% | 2,599 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.4614% | 284 |
| Loan loss allowance to noncurrent loans | 644.4201% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.1298% | 6,767 |
| Noncurrent loans to loans | 0.6923% | 5,524 |
| Net loans and leases to total assets | 17.9089% | 7,390 |
| Net loans and leases to deposits | 20.3824% | 7,404 |
| Net loans and leases to core deposits | 20.6918% | 7,402 |
| Total domestic deposits to total assets | 87.8643% | 2,230 |
| Equity capital to assets | 10.1243% | 3,984 |
| Core capital (leverage) ratio | 9.5821% | 3,843 |
| Tier 1 risk-based capital ratio | 24.1011% | 994 |
| Total risk-based capital ratio | 25.3606% | 975 |
| Memoranda: |
| Average total assets | $345,182,000 | 1,887 |
| Average earning assets | $277,158,670 | 2,125 |
| Average equity | $33,147,330 | 1,996 |
| Average total loans | $66,740,330 | 4,693 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1518% | 6,391 |
| Cost of funding earning assets | 0.8594% | 5,216 |
| Net interest margin | 3.2924% | 5,806 |
| Noninterest income to average assets | 15.8735% | 46 |
| Noninterest expense to average assets | 13.9338% | 52 |
| Loan and lease loss provision to assets | 1.3099% | 521 |
| Net operating income to assets | 3.2578% | 102 |
| Return on assets (ROA) | 3.1560% | 106 |
| Pretax return on assets | 3.1560% | 137 |
| Return on Equity (ROE) | 33.8109% | 59 |
| Retained earnings to average equity (ytd only) | 33.8109% | 46 |
| Net charge-offs to loans | 5.8594% | 116 |
| Credit loss provision to net charge-offs | 113.8352% | 2,358 |
| Earnings coverage of net charge-offs (x) | 3.9695% | 2,590 |
| Efficiency ratio | 75.3116% | 3,276 |
| Assets per employee ($millions) | 0.3703% | 7,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.3464% | 333 |
| Loan loss allowance to noncurrent loans | 819.3182% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.1004% | 6,907 |
| Noncurrent loans to loans | 0.5305% | 5,965 |
| Net loans and leases to total assets | 18.0999% | 7,450 |
| Net loans and leases to deposits | 20.3349% | 7,464 |
| Net loans and leases to core deposits | 20.6069% | 7,459 |
| Total domestic deposits to total assets | 89.0089% | 1,766 |
| Equity capital to assets | 9.4346% | 4,522 |
| Core capital (leverage) ratio | 9.4855% | 3,831 |
| Tier 1 risk-based capital ratio | 23.4275% | 1,037 |
| Total risk-based capital ratio | 24.6868% | 1,023 |
| Memoranda: |
| Average total assets | $341,701,000 | 1,926 |
| Average earning assets | $272,751,000 | 2,179 |
| Average equity | $31,895,000 | 2,056 |
| Average total loans | $67,105,500 | 4,722 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6898% | 5,834 |
| Cost of funding earning assets | 0.7827% | 6,636 |
| Net interest margin | 3.9071% | 3,454 |
| Noninterest income to average assets | 15.7027% | 46 |
| Noninterest expense to average assets | 13.9279% | 55 |
| Loan and lease loss provision to assets | 1.9941% | 662 |
| Net operating income to assets | 2.1718% | 209 |
| Return on assets (ROA) | 1.9485% | 325 |
| Pretax return on assets | 2.6288% | 162 |
| Return on Equity (ROE) | 14.5840% | 779 |
| Retained earnings to average equity (ytd only) | -35.2020% | 7,283 |
| Net charge-offs to loans | 9.0708% | 21 |
| Credit loss provision to net charge-offs | 106.4049% | 4,198 |
| Earnings coverage of net charge-offs (x) | 2.6279% | 3,787 |
| Efficiency ratio | 73.8778% | 3,422 |
| Assets per employee ($millions) | 0.3423% | 7,622 |
| Cash dividends to net income (ytd only)* | 341.3742% | 57 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.0482% | 382 |
| Loan loss allowance to noncurrent loans | 481.9298% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.1713% | 6,804 |
| Noncurrent loans to loans | 0.8400% | 5,372 |
| Net loans and leases to total assets | 19.5680% | 7,522 |
| Net loans and leases to deposits | 22.1730% | 7,541 |
| Net loans and leases to core deposits | 22.4872% | 7,538 |
| Total domestic deposits to total assets | 88.2517% | 2,091 |
| Equity capital to assets | 9.2283% | 4,794 |
| Core capital (leverage) ratio | 8.7469% | 4,947 |
| Tier 1 risk-based capital ratio | 20.5936% | 1,382 |
| Total risk-based capital ratio | 21.8507% | 1,368 |
| Memoranda: |
| Average total assets | $346,578,200 | 1,881 |
| Average earning assets | $279,414,000 | 2,115 |
| Average equity | $46,304,200 | 1,448 |
| Average total loans | $71,603,400 | 4,619 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7344% | 5,901 |
| Cost of funding earning assets | 0.7610% | 6,881 |
| Net interest margin | 3.9734% | 3,221 |
| Noninterest income to average assets | 14.5314% | 48 |
| Noninterest expense to average assets | 13.3045% | 57 |
| Loan and lease loss provision to assets | 1.5708% | 832 |
| Net operating income to assets | 2.1685% | 251 |
| Return on assets (ROA) | 1.9034% | 445 |
| Pretax return on assets | 2.5113% | 225 |
| Return on Equity (ROE) | 13.2709% | 1,191 |
| Retained earnings to average equity (ytd only) | 13.1302% | 333 |
| Net charge-offs to loans | 6.7749% | 73 |
| Credit loss provision to net charge-offs | 111.8828% | 3,781 |
| Earnings coverage of net charge-offs (x) | 3.1560% | 3,563 |
| Efficiency ratio | 75.0161% | 3,140 |
| Assets per employee ($millions) | 0.3718% | 7,725 |
| Cash dividends to net income (ytd only)* | 1.0606% | 3,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.8740% | 409 |
| Loan loss allowance to noncurrent loans | 562.8049% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.1458% | 6,989 |
| Noncurrent loans to loans | 0.6883% | 5,828 |
| Net loans and leases to total assets | 19.3728% | 7,626 |
| Net loans and leases to deposits | 24.2950% | 7,631 |
| Net loans and leases to core deposits | 24.7407% | 7,631 |
| Total domestic deposits to total assets | 79.7399% | 5,794 |
| Equity capital to assets | 15.3591% | 804 |
| Core capital (leverage) ratio | 14.7119% | 773 |
| Tier 1 risk-based capital ratio | 32.0638% | 434 |
| Total risk-based capital ratio | 33.3189% | 424 |
| Memoranda: |
| Average total assets | $350,038,500 | 1,896 |
| Average earning assets | $282,268,750 | 2,130 |
| Average equity | $50,203,750 | 1,337 |
| Average total loans | $72,540,000 | 4,653 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8303% | 5,682 |
| Cost of funding earning assets | 0.7314% | 7,121 |
| Net interest margin | 4.0989% | 2,563 |
| Noninterest income to average assets | 14.4402% | 49 |
| Noninterest expense to average assets | 13.1765% | 57 |
| Loan and lease loss provision to assets | 1.6396% | 788 |
| Net operating income to assets | 2.1384% | 258 |
| Return on assets (ROA) | 1.9478% | 402 |
| Pretax return on assets | 2.6692% | 180 |
| Return on Equity (ROE) | 13.9153% | 1,060 |
| Retained earnings to average equity (ytd only) | 13.6980% | 326 |
| Net charge-offs to loans | 7.5369% | 74 |
| Credit loss provision to net charge-offs | 104.0044% | 3,923 |
| Earnings coverage of net charge-offs (x) | 2.8988% | 3,546 |
| Efficiency ratio | 74.2489% | 3,421 |
| Assets per employee ($millions) | 0.3671% | 7,796 |
| Cash dividends to net income (ytd only)* | 1.5616% | 3,304 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3098% | 639 |
| Loan loss allowance to noncurrent loans | 411.6358% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.1683% | 6,966 |
| Noncurrent loans to loans | 0.8041% | 5,666 |
| Net loans and leases to total assets | 20.2335% | 7,687 |
| Net loans and leases to deposits | 26.0950% | 7,688 |
| Net loans and leases to core deposits | 26.6519% | 7,686 |
| Total domestic deposits to total assets | 77.5380% | 6,381 |
| Equity capital to assets | 14.4684% | 1,021 |
| Core capital (leverage) ratio | 14.2774% | 859 |
| Tier 1 risk-based capital ratio | 30.6100% | 474 |
| Total risk-based capital ratio | 33.6409% | 407 |
| Memoranda: |
| Average total assets | $348,499,000 | 1,920 |
| Average earning assets | $281,101,670 | 2,151 |
| Average equity | $48,781,000 | 1,373 |
| Average total loans | $72,894,670 | 4,681 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9491% | 5,239 |
| Cost of funding earning assets | 0.6962% | 7,337 |
| Net interest margin | 4.2529% | 1,842 |
| Noninterest income to average assets | 13.7834% | 52 |
| Noninterest expense to average assets | 12.7918% | 60 |
| Loan and lease loss provision to assets | 1.3863% | 863 |
| Net operating income to assets | 2.1580% | 269 |
| Return on assets (ROA) | 1.8573% | 483 |
| Pretax return on assets | 2.6156% | 206 |
| Return on Equity (ROE) | 13.4995% | 1,149 |
| Retained earnings to average equity (ytd only) | 13.2813% | 586 |
| Net charge-offs to loans | 5.6798% | 196 |
| Credit loss provision to net charge-offs | 116.7153% | 2,988 |
| Earnings coverage of net charge-offs (x) | 3.7259% | 2,810 |
| Efficiency ratio | 74.2961% | 3,531 |
| Assets per employee ($millions) | 0.3613% | 7,901 |
| Cash dividends to net income (ytd only)* | 1.6159% | 2,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4052% | 580 |
| Loan loss allowance to noncurrent loans | 727.6163% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.0969% | 7,240 |
| Noncurrent loans to loans | 0.4680% | 6,363 |
| Net loans and leases to total assets | 19.9925% | 7,786 |
| Net loans and leases to deposits | 25.8054% | 7,782 |
| Net loans and leases to core deposits | 26.2713% | 7,784 |
| Total domestic deposits to total assets | 77.4740% | 6,454 |
| Equity capital to assets | 13.7238% | 1,236 |
| Core capital (leverage) ratio | 14.1266% | 930 |
| Tier 1 risk-based capital ratio | 30.1070% | 522 |
| Total risk-based capital ratio | 33.2559% | 432 |
| Memoranda: |
| Average total assets | $346,533,500 | 1,973 |
| Average earning assets | $279,810,500 | 2,210 |
| Average equity | $47,676,000 | 1,410 |
| Average total loans | $72,467,000 | 4,767 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4418% | 4,484 |
| Cost of funding earning assets | 0.7372% | 7,642 |
| Net interest margin | 4.7046% | 826 |
| Noninterest income to average assets | 14.9340% | 49 |
| Noninterest expense to average assets | 13.8194% | 65 |
| Loan and lease loss provision to assets | 1.9697% | 1,106 |
| Net operating income to assets | 2.0898% | 190 |
| Return on assets (ROA) | 2.0908% | 203 |
| Pretax return on assets | 2.9614% | 102 |
| Return on Equity (ROE) | 15.0097% | 668 |
| Retained earnings to average equity (ytd only) | 5.4645% | 1,594 |
| Net charge-offs to loans | 7.5353% | 94 |
| Credit loss provision to net charge-offs | 106.0546% | 5,225 |
| Earnings coverage of net charge-offs (x) | 2.6542% | 3,788 |
| Efficiency ratio | 73.7074% | 3,957 |
| Assets per employee ($millions) | 0.3424% | 7,982 |
| Cash dividends to net income (ytd only)* | 63.5934% | 1,841 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2634% | 625 |
| Loan loss allowance to noncurrent loans | 444.0000% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.1554% | 7,088 |
| Noncurrent loans to loans | 0.7350% | 5,784 |
| Net loans and leases to total assets | 20.4479% | 7,860 |
| Net loans and leases to deposits | 25.3197% | 7,869 |
| Net loans and leases to core deposits | 26.3809% | 7,886 |
| Total domestic deposits to total assets | 80.7586% | 5,418 |
| Equity capital to assets | 13.7939% | 1,223 |
| Core capital (leverage) ratio | 13.8216% | 1,017 |
| Tier 1 risk-based capital ratio | 30.0828% | 521 |
| Total risk-based capital ratio | 33.1482% | 436 |
| Memoranda: |
| Average total assets | $323,696,600 | 2,095 |
| Average earning assets | $262,488,800 | 2,305 |
| Average equity | $45,090,800 | 1,490 |
| Average total loans | $79,784,800 | 4,518 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4199% | 4,849 |
| Cost of funding earning assets | 0.7457% | 7,765 |
| Net interest margin | 4.6741% | 876 |
| Noninterest income to average assets | 15.1879% | 49 |
| Noninterest expense to average assets | 14.0322% | 65 |
| Loan and lease loss provision to assets | 2.2036% | 787 |
| Net operating income to assets | 1.9578% | 321 |
| Return on assets (ROA) | 1.9578% | 343 |
| Pretax return on assets | 2.7450% | 140 |
| Return on Equity (ROE) | 14.0187% | 924 |
| Retained earnings to average equity (ytd only) | 10.1301% | 616 |
| Net charge-offs to loans | 8.2043% | 79 |
| Credit loss provision to net charge-offs | 105.0218% | 4,833 |
| Earnings coverage of net charge-offs (x) | 2.3585% | 4,053 |
| Efficiency ratio | 73.9287% | 3,872 |
| Assets per employee ($millions) | 0.3432% | 8,069 |
| Cash dividends to net income (ytd only)* | 27.7387% | 2,969 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7700% | 818 |
| Loan loss allowance to noncurrent loans | 527.3159% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.1211% | 7,243 |
| Noncurrent loans to loans | 0.5253% | 6,256 |
| Net loans and leases to total assets | 22.4145% | 7,926 |
| Net loans and leases to deposits | 32.4132% | 7,880 |
| Net loans and leases to core deposits | 33.9110% | 7,918 |
| Total domestic deposits to total assets | 69.1523% | 7,488 |
| Equity capital to assets | 13.9405% | 1,326 |
| Core capital (leverage) ratio | 14.4427% | 969 |
| Tier 1 risk-based capital ratio | 29.3252% | 609 |
| Total risk-based capital ratio | 32.3125% | 501 |
| Memoranda: |
| Average total assets | $320,141,250 | 2,123 |
| Average earning assets | $259,777,750 | 2,342 |
| Average equity | $44,710,500 | 1,520 |
| Average total loans | $81,874,000 | 4,487 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4821% | 4,723 |
| Cost of funding earning assets | 0.7782% | 7,846 |
| Net interest margin | 4.7039% | 796 |
| Noninterest income to average assets | 14.8850% | 52 |
| Noninterest expense to average assets | 14.5537% | 68 |
| Loan and lease loss provision to assets | 1.7223% | 973 |
| Net operating income to assets | 1.7521% | 512 |
| Return on assets (ROA) | 1.7577% | 550 |
| Pretax return on assets | 2.4150% | 243 |
| Return on Equity (ROE) | 12.5773% | 1,263 |
| Retained earnings to average equity (ytd only) | 12.3288% | 397 |
| Net charge-offs to loans | 6.0836% | 178 |
| Credit loss provision to net charge-offs | 106.7783% | 4,316 |
| Earnings coverage of net charge-offs (x) | 2.5602% | 3,787 |
| Efficiency ratio | 77.8967% | 3,364 |
| Assets per employee ($millions) | 0.2920% | 8,168 |
| Cash dividends to net income (ytd only)* | 1.9759% | 3,511 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5632% | 847 |
| Loan loss allowance to noncurrent loans | 760.4982% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.0855% | 7,369 |
| Noncurrent loans to loans | 0.3370% | 6,670 |
| Net loans and leases to total assets | 24.7047% | 7,984 |
| Net loans and leases to deposits | 34.3805% | 7,928 |
| Net loans and leases to core deposits | 35.9415% | 7,979 |
| Total domestic deposits to total assets | 71.8566% | 7,256 |
| Equity capital to assets | 13.5186% | 1,488 |
| Core capital (leverage) ratio | 14.8398% | 955 |
| Tier 1 risk-based capital ratio | 28.6096% | 680 |
| Total risk-based capital ratio | 31.5926% | 568 |
| Memoranda: |
| Average total assets | $310,971,670 | 2,192 |
| Average earning assets | $251,108,330 | 2,432 |
| Average equity | $43,459,330 | 1,566 |
| Average total loans | $82,450,670 | 4,510 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6120% | 4,283 |
| Cost of funding earning assets | 0.7893% | 7,920 |
| Net interest margin | 4.8227% | 579 |
| Noninterest income to average assets | 15.1380% | 53 |
| Noninterest expense to average assets | 14.6613% | 69 |
| Loan and lease loss provision to assets | 1.9785% | 607 |
| Net operating income to assets | 1.6858% | 661 |
| Return on assets (ROA) | 1.6858% | 731 |
| Pretax return on assets | 2.3824% | 313 |
| Return on Equity (ROE) | 11.8521% | 1,710 |
| Retained earnings to average equity (ytd only) | 11.6007% | 865 |
| Net charge-offs to loans | 7.2057% | 112 |
| Credit loss provision to net charge-offs | 101.1510% | 3,689 |
| Earnings coverage of net charge-offs (x) | 2.2295% | 3,625 |
| Efficiency ratio | 77.0746% | 3,321 |
| Assets per employee ($millions) | 0.2882% | 8,218 |
| Cash dividends to net income (ytd only)* | 2.1210% | 2,817 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4093% | 838 |
| Loan loss allowance to noncurrent loans | 696.1404% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.0922% | 7,312 |
| Noncurrent loans to loans | 0.3461% | 6,563 |
| Net loans and leases to total assets | 26.0073% | 8,000 |
| Net loans and leases to deposits | 32.6971% | 8,002 |
| Net loans and leases to core deposits | 34.0162% | 8,045 |
| Total domestic deposits to total assets | 79.5400% | 5,530 |
| Equity capital to assets | 13.9846% | 1,372 |
| Core capital (leverage) ratio | 14.7601% | 1,020 |
| Tier 1 risk-based capital ratio | 28.4600% | 721 |
| Total risk-based capital ratio | 31.5223% | 597 |
| Memoranda: |
| Average total assets | $302,047,500 | 2,254 |
| Average earning assets | $243,264,000 | 2,506 |
| Average equity | $42,963,000 | 1,591 |
| Average total loans | $81,990,500 | 4,561 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0800% | 5,144 |
| Cost of funding earning assets | 1.0266% | 8,042 |
| Net interest margin | 5.0534% | 450 |
| Noninterest income to average assets | 15.5958% | 56 |
| Noninterest expense to average assets | 15.2509% | 72 |
| Loan and lease loss provision to assets | 2.2401% | 510 |
| Net operating income to assets | 1.6990% | 677 |
| Return on assets (ROA) | 1.6990% | 648 |
| Pretax return on assets | 2.2000% | 398 |
| Return on Equity (ROE) | 11.1066% | 1,870 |
| Retained earnings to average equity (ytd only) | 4.8325% | 2,125 |
| Net charge-offs to loans | 7.4330% | 34 |
| Credit loss provision to net charge-offs | 102.9459% | 5,185 |
| Earnings coverage of net charge-offs (x) | 2.0405% | 5,053 |
| Efficiency ratio | 77.4513% | 3,002 |
| Assets per employee ($millions) | 0.2800% | 8,273 |
| Cash dividends to net income (ytd only)* | 56.4896% | 2,822 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4095% | 758 |
| Loan loss allowance to noncurrent loans | 505.6555% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.1318% | 7,055 |
| Noncurrent loans to loans | 0.4765% | 5,920 |
| Net loans and leases to total assets | 26.9972% | 8,054 |
| Net loans and leases to deposits | 32.8809% | 8,083 |
| Net loans and leases to core deposits | 33.9293% | 8,127 |
| Total domestic deposits to total assets | 82.1062% | 4,157 |
| Equity capital to assets | 14.4746% | 1,303 |
| Core capital (leverage) ratio | 15.2571% | 969 |
| Tier 1 risk-based capital ratio | 28.2759% | 745 |
| Total risk-based capital ratio | 31.2847% | 620 |
| Memoranda: |
| Average total assets | $287,045,200 | 2,272 |
| Average earning assets | $232,615,200 | 2,532 |
| Average equity | $43,910,800 | 1,534 |
| Average total loans | $84,030,600 | 4,395 |
