| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7055% | 2,672 |
| Cost of funding earning assets | 1.2949% | 2,534 |
| Net interest margin | 3.4106% | 2,385 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 2.2829% | 2,894 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.9282% | 2,458 |
| Return on assets (ROA) | 0.9891% | 2,234 |
| Pretax return on assets | 1.2889% | 1,900 |
| Return on Equity (ROE) | 10.5600% | 2,346 |
| Retained earnings to average equity (ytd only) | 6.5823% | 2,028 |
| Net charge-offs to loans | 0.0023% | 2,719 |
| Credit loss provision to net charge-offs | 4,792.3077% | 116 |
| Earnings coverage of net charge-offs (x) | 949.3846% | 162 |
| Efficiency ratio | 63.6721% | 2,645 |
| Assets per employee ($millions) | 6.5759% | 2,360 |
| Cash dividends to net income (ytd only)* | 37.6666% | 2,223 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3561% | 1,560 |
| Loan loss allowance to noncurrent loans | 230.5540% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.3537% | 1,548 |
| Noncurrent loans to loans | 0.5882% | 1,338 |
| Net loans and leases to total assets | 59.3200% | 2,904 |
| Net loans and leases to deposits | 80.8180% | 2,044 |
| Net loans and leases to core deposits | 85.6123% | 2,331 |
| Total domestic deposits to total assets | 73.4100% | 4,139 |
| Equity capital to assets | 9.9836% | 2,021 |
| Core capital (leverage) ratio | 10.5919% | 2,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $963,595,600 | 1,018 |
| Average earning assets | $902,126,600 | 998 |
| Average equity | $90,256,600 | 1,028 |
| Average total loans | $556,368,800 | 1,142 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5778% | 2,731 |
| Cost of funding earning assets | 1.1755% | 2,510 |
| Net interest margin | 3.4023% | 2,450 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.2917% | 2,820 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.9253% | 2,600 |
| Return on assets (ROA) | 0.8420% | 2,875 |
| Pretax return on assets | 1.0940% | 2,583 |
| Return on Equity (ROE) | 9.1400% | 2,889 |
| Retained earnings to average equity (ytd only) | 5.2357% | 2,863 |
| Net charge-offs to loans | -0.0046% | 3,730 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 63.9766% | 2,494 |
| Assets per employee ($millions) | 6.4044% | 2,395 |
| Cash dividends to net income (ytd only)* | 42.7393% | 1,542 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4072% | 1,422 |
| Loan loss allowance to noncurrent loans | 218.8333% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.3766% | 1,524 |
| Noncurrent loans to loans | 0.6431% | 1,272 |
| Net loans and leases to total assets | 57.0700% | 3,108 |
| Net loans and leases to deposits | 77.9315% | 2,250 |
| Net loans and leases to core deposits | 83.1386% | 2,385 |
| Total domestic deposits to total assets | 73.2400% | 4,209 |
| Equity capital to assets | 9.1085% | 2,361 |
| Core capital (leverage) ratio | 10.2546% | 2,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $959,541,250 | 1,023 |
| Average earning assets | $899,457,500 | 1,004 |
| Average equity | $88,365,500 | 1,042 |
| Average total loans | $548,145,500 | 1,151 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3878% | 2,911 |
| Cost of funding earning assets | 1.0117% | 2,567 |
| Net interest margin | 3.3761% | 2,584 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.2977% | 2,814 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.8925% | 2,782 |
| Return on assets (ROA) | 0.9310% | 2,634 |
| Pretax return on assets | 1.2079% | 2,337 |
| Return on Equity (ROE) | 10.0700% | 2,677 |
| Retained earnings to average equity (ytd only) | 6.7941% | 2,355 |
| Net charge-offs to loans | -0.0250% | 4,183 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.6037% | 2,416 |
| Assets per employee ($millions) | 6.3729% | 2,411 |
| Cash dividends to net income (ytd only)* | 32.5477% | 2,001 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3877% | 1,575 |
| Loan loss allowance to noncurrent loans | 203.4690% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 0.3975% | 1,343 |
| Noncurrent loans to loans | 0.6820% | 1,100 |
| Net loans and leases to total assets | 56.8500% | 3,057 |
| Net loans and leases to deposits | 77.4236% | 2,186 |
| Net loans and leases to core deposits | 81.2180% | 2,395 |
| Total domestic deposits to total assets | 73.4300% | 4,228 |
| Equity capital to assets | 9.2567% | 2,342 |
| Core capital (leverage) ratio | 10.4220% | 2,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $957,031,667 | 1,015 |
| Average earning assets | $897,134,000 | 998 |
| Average equity | $88,458,667 | 1,034 |
| Average total loans | $544,250,667 | 1,143 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2774% | 2,854 |
| Cost of funding earning assets | 0.8296% | 2,602 |
| Net interest margin | 3.4478% | 2,507 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.3557% | 2,651 |
| Loan and lease loss provision to assets | 0.1600% | 685 |
| Net operating income to assets | 0.8306% | 3,089 |
| Return on assets (ROA) | 0.9633% | 2,606 |
| Pretax return on assets | 1.2464% | 2,310 |
| Return on Equity (ROE) | 10.4300% | 2,657 |
| Retained earnings to average equity (ytd only) | 9.2875% | 1,866 |
| Net charge-offs to loans | -0.0321% | 4,240 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.1868% | 2,301 |
| Assets per employee ($millions) | 6.2552% | 2,537 |
| Cash dividends to net income (ytd only)* | 10.9505% | 2,157 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4492% | 1,437 |
| Loan loss allowance to noncurrent loans | 397.0978% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.2190% | 2,036 |
| Noncurrent loans to loans | 0.3650% | 1,839 |
| Net loans and leases to total assets | 55.4100% | 3,078 |
| Net loans and leases to deposits | 71.4092% | 2,512 |
| Net loans and leases to core deposits | 73.7087% | 2,696 |
| Total domestic deposits to total assets | 77.6000% | 4,039 |
| Equity capital to assets | 9.4240% | 2,206 |
| Core capital (leverage) ratio | 10.3933% | 2,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $948,017,000 | 1,040 |
| Average earning assets | $886,714,000 | 1,028 |
| Average equity | $87,559,000 | 1,055 |
| Average total loans | $535,298,000 | 1,173 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6241% | 2,726 |
| Cost of funding earning assets | 0.3544% | 2,445 |
| Net interest margin | 3.2697% | 2,650 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 2.0194% | 3,534 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.1418% | 2,002 |
| Return on assets (ROA) | 0.7197% | 3,509 |
| Pretax return on assets | 0.9281% | 3,275 |
| Return on Equity (ROE) | 7.6000% | 3,486 |
| Retained earnings to average equity (ytd only) | 6.4867% | 2,454 |
| Net charge-offs to loans | 0.0170% | 1,773 |
| Credit loss provision to net charge-offs | 163.0952% | 1,248 |
| Earnings coverage of net charge-offs (x) | 166.2262% | 738 |
| Efficiency ratio | 57.0940% | 3,459 |
| Assets per employee ($millions) | 6.1775% | 2,618 |
| Cash dividends to net income (ytd only)* | 14.6951% | 3,080 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4187% | 1,440 |
| Loan loss allowance to noncurrent loans | 819.3059% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.1140% | 2,727 |
| Noncurrent loans to loans | 0.1732% | 2,617 |
| Net loans and leases to total assets | 55.9000% | 3,042 |
| Net loans and leases to deposits | 70.4689% | 2,539 |
| Net loans and leases to core deposits | 72.5428% | 2,681 |
| Total domestic deposits to total assets | 79.3300% | 3,963 |
| Equity capital to assets | 9.0444% | 2,330 |
| Core capital (leverage) ratio | 10.3696% | 2,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $945,467,400 | 1,033 |
| Average earning assets | $890,398,400 | 1,006 |
| Average equity | $89,490,400 | 1,038 |
| Average total loans | $494,060,400 | 1,189 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4904% | 2,645 |
| Cost of funding earning assets | 0.2886% | 2,292 |
| Net interest margin | 3.2018% | 2,617 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 1.9494% | 3,626 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.1309% | 1,972 |
| Return on assets (ROA) | 0.5541% | 3,899 |
| Pretax return on assets | 0.7081% | 3,784 |
| Return on Equity (ROE) | 5.7900% | 3,832 |
| Retained earnings to average equity (ytd only) | 5.7903% | 2,823 |
| Net charge-offs to loans | -0.1313% | 4,557 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.4463% | 3,574 |
| Assets per employee ($millions) | 6.0607% | 2,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5922% | 1,077 |
| Loan loss allowance to noncurrent loans | 428.2850% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.2046% | 2,243 |
| Noncurrent loans to loans | 0.3718% | 1,907 |
| Net loans and leases to total assets | 53.4000% | 3,151 |
| Net loans and leases to deposits | 65.7653% | 2,739 |
| Net loans and leases to core deposits | 67.3409% | 2,853 |
| Total domestic deposits to total assets | 81.1900% | 3,948 |
| Equity capital to assets | 8.7384% | 2,383 |
| Core capital (leverage) ratio | 9.9799% | 2,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $947,089,000 | 1,039 |
| Average earning assets | $894,517,500 | 1,008 |
| Average equity | $90,631,750 | 1,036 |
| Average total loans | $484,463,500 | 1,202 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2575% | 2,880 |
| Cost of funding earning assets | 0.2705% | 2,023 |
| Net interest margin | 2.9870% | 2,918 |
| Noninterest income to average assets | 0.3732% | 2,908 |
| Noninterest expense to average assets | 1.8162% | 3,915 |
| Loan and lease loss provision to assets | 0.0282% | 2,081 |
| Net operating income to assets | 1.0737% | 1,882 |
| Return on assets (ROA) | 0.3879% | 4,080 |
| Pretax return on assets | 0.4886% | 4,017 |
| Return on Equity (ROE) | 3.9410% | 4,045 |
| Retained earnings to average equity (ytd only) | 3.9410% | 3,104 |
| Net charge-offs to loans | -0.0555% | 4,277 |
| Credit loss provision to net charge-offs | -101.5152% | 3,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9145% | 3,782 |
| Assets per employee ($millions) | 5.8834% | 2,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5946% | 1,165 |
| Loan loss allowance to noncurrent loans | 207.3412% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 0.4033% | 1,396 |
| Noncurrent loans to loans | 0.7691% | 1,119 |
| Net loans and leases to total assets | 51.2391% | 3,241 |
| Net loans and leases to deposits | 63.9213% | 2,732 |
| Net loans and leases to core deposits | 65.5397% | 2,856 |
| Total domestic deposits to total assets | 80.1598% | 4,212 |
| Equity capital to assets | 9.1634% | 2,269 |
| Core capital (leverage) ratio | 9.8148% | 2,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $949,651,333 | 1,036 |
| Average earning assets | $899,087,667 | 1,010 |
| Average equity | $93,479,333 | 1,017 |
| Average total loans | $476,042,000 | 1,213 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0683% | 3,057 |
| Cost of funding earning assets | 0.2634% | 2,000 |
| Net interest margin | 2.8049% | 3,123 |
| Noninterest income to average assets | 0.3629% | 2,919 |
| Noninterest expense to average assets | 2.1899% | 2,869 |
| Loan and lease loss provision to assets | 0.0535% | 1,426 |
| Net operating income to assets | 0.6421% | 3,256 |
| Return on assets (ROA) | -0.0832% | 4,570 |
| Pretax return on assets | -0.1367% | 4,594 |
| Return on Equity (ROE) | -0.8176% | 4,580 |
| Retained earnings to average equity (ytd only) | -0.8176% | 4,123 |
| Net charge-offs to loans | -0.0170% | 3,830 |
| Credit loss provision to net charge-offs | -640.0000% | 3,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5411% | 2,037 |
| Assets per employee ($millions) | 6.1563% | 2,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6549% | 1,147 |
| Loan loss allowance to noncurrent loans | 110.9676% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 0.7324% | 766 |
| Noncurrent loans to loans | 1.4914% | 557 |
| Net loans and leases to total assets | 47.6352% | 3,424 |
| Net loans and leases to deposits | 59.0851% | 2,980 |
| Net loans and leases to core deposits | 60.6030% | 3,095 |
| Total domestic deposits to total assets | 80.6213% | 4,234 |
| Equity capital to assets | 9.5734% | 2,225 |
| Core capital (leverage) ratio | 9.5823% | 2,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $956,748,500 | 1,025 |
| Average earning assets | $907,992,500 | 1,005 |
| Average equity | $97,359,000 | 1,006 |
| Average total loans | $470,519,500 | 1,217 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7287% | 2,035 |
| Cost of funding earning assets | 0.3155% | 2,245 |
| Net interest margin | 3.4133% | 1,983 |
| Noninterest income to average assets | 0.4520% | 2,808 |
| Noninterest expense to average assets | 2.1332% | 3,293 |
| Loan and lease loss provision to assets | 0.0357% | 2,336 |
| Net operating income to assets | 1.1738% | 2,013 |
| Return on assets (ROA) | 1.1081% | 2,322 |
| Pretax return on assets | 1.4386% | 1,920 |
| Return on Equity (ROE) | 10.0701% | 2,498 |
| Retained earnings to average equity (ytd only) | 10.0701% | 903 |
| Net charge-offs to loans | 0.1125% | 790 |
| Credit loss provision to net charge-offs | 60.1103% | 2,062 |
| Earnings coverage of net charge-offs (x) | 26.2555% | 1,701 |
| Efficiency ratio | 57.0644% | 3,569 |
| Assets per employee ($millions) | 5.3591% | 3,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5665% | 1,342 |
| Loan loss allowance to noncurrent loans | 104.4562% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 0.7544% | 815 |
| Noncurrent loans to loans | 1.4997% | 604 |
| Net loans and leases to total assets | 49.1353% | 3,391 |
| Net loans and leases to deposits | 62.1986% | 2,862 |
| Net loans and leases to core deposits | 63.9523% | 2,982 |
| Total domestic deposits to total assets | 78.9975% | 4,319 |
| Equity capital to assets | 10.7755% | 1,954 |
| Core capital (leverage) ratio | 9.9005% | 2,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $917,058,600 | 1,027 |
| Average earning assets | $870,157,800 | 1,009 |
| Average equity | $100,912,800 | 1,005 |
| Average total loans | $483,705,600 | 1,192 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9158% | 1,718 |
| Cost of funding earning assets | 0.3313% | 2,285 |
| Net interest margin | 3.5844% | 1,636 |
| Noninterest income to average assets | 0.4587% | 2,803 |
| Noninterest expense to average assets | 2.2064% | 3,051 |
| Loan and lease loss provision to assets | 0.0190% | 2,629 |
| Net operating income to assets | 1.2578% | 1,960 |
| Return on assets (ROA) | 1.2014% | 2,225 |
| Pretax return on assets | 1.5607% | 1,822 |
| Return on Equity (ROE) | 10.8579% | 2,411 |
| Retained earnings to average equity (ytd only) | 10.8579% | 1,091 |
| Net charge-offs to loans | 0.1740% | 496 |
| Credit loss provision to net charge-offs | 20.3791% | 1,987 |
| Earnings coverage of net charge-offs (x) | 17.7346% | 1,804 |
| Efficiency ratio | 56.4838% | 3,472 |
| Assets per employee ($millions) | 5.8223% | 2,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5534% | 1,453 |
| Loan loss allowance to noncurrent loans | 89.8717% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 0.8649% | 807 |
| Noncurrent loans to loans | 1.7285% | 580 |
| Net loans and leases to total assets | 48.7721% | 3,544 |
| Net loans and leases to deposits | 61.9693% | 3,042 |
| Net loans and leases to core deposits | 63.7200% | 3,165 |
| Total domestic deposits to total assets | 78.7036% | 4,357 |
| Equity capital to assets | 11.0087% | 2,008 |
| Core capital (leverage) ratio | 9.7454% | 2,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $906,504,000 | 1,050 |
| Average earning assets | $859,548,750 | 1,031 |
| Average equity | $100,299,250 | 1,027 |
| Average total loans | $484,920,750 | 1,213 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3239% | 964 |
| Cost of funding earning assets | 0.3522% | 2,301 |
| Net interest margin | 3.9717% | 863 |
| Noninterest income to average assets | 0.4622% | 2,793 |
| Noninterest expense to average assets | 2.2537% | 2,907 |
| Loan and lease loss provision to assets | 0.0274% | 2,430 |
| Net operating income to assets | 1.4935% | 1,314 |
| Return on assets (ROA) | 1.4260% | 1,562 |
| Pretax return on assets | 1.8576% | 1,103 |
| Return on Equity (ROE) | 12.8656% | 1,762 |
| Retained earnings to average equity (ytd only) | 12.8656% | 746 |
| Net charge-offs to loans | 0.1419% | 567 |
| Credit loss provision to net charge-offs | 35.2436% | 1,681 |
| Earnings coverage of net charge-offs (x) | 25.3009% | 1,411 |
| Efficiency ratio | 52.6916% | 3,964 |
| Assets per employee ($millions) | 5.5285% | 3,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5394% | 1,456 |
| Loan loss allowance to noncurrent loans | 57.4320% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 1.4131% | 426 |
| Noncurrent loans to loans | 2.6803% | 293 |
| Net loans and leases to total assets | 51.5948% | 3,384 |
| Net loans and leases to deposits | 65.0391% | 2,897 |
| Net loans and leases to core deposits | 66.9272% | 3,040 |
| Total domestic deposits to total assets | 79.3290% | 4,310 |
| Equity capital to assets | 11.0584% | 1,940 |
| Core capital (leverage) ratio | 9.7174% | 2,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $896,209,667 | 1,057 |
| Average earning assets | $848,916,333 | 1,034 |
| Average equity | $99,334,333 | 1,029 |
| Average total loans | $491,762,000 | 1,203 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3313% | 3,382 |
| Cost of funding earning assets | 0.3779% | 2,286 |
| Net interest margin | 2.9534% | 3,376 |
| Noninterest income to average assets | 0.5023% | 2,601 |
| Noninterest expense to average assets | 2.2343% | 2,994 |
| Loan and lease loss provision to assets | 0.0550% | 2,008 |
| Net operating income to assets | 0.7981% | 3,431 |
| Return on assets (ROA) | 0.5573% | 4,096 |
| Pretax return on assets | 0.7010% | 4,014 |
| Return on Equity (ROE) | 5.0222% | 4,084 |
| Retained earnings to average equity (ytd only) | 5.0222% | 3,216 |
| Net charge-offs to loans | 0.2144% | 385 |
| Credit loss provision to net charge-offs | 45.6604% | 1,330 |
| Earnings coverage of net charge-offs (x) | 8.7736% | 1,561 |
| Efficiency ratio | 67.0304% | 2,078 |
| Assets per employee ($millions) | 5.5434% | 3,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5348% | 1,483 |
| Loan loss allowance to noncurrent loans | 54.2084% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 1.5490% | 394 |
| Noncurrent loans to loans | 2.8313% | 291 |
| Net loans and leases to total assets | 53.4495% | 3,295 |
| Net loans and leases to deposits | 66.8471% | 2,827 |
| Net loans and leases to core deposits | 68.7736% | 2,989 |
| Total domestic deposits to total assets | 79.9578% | 4,210 |
| Equity capital to assets | 10.7244% | 2,061 |
| Core capital (leverage) ratio | 9.5770% | 2,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $879,923,000 | 1,060 |
| Average earning assets | $830,904,500 | 1,046 |
| Average equity | $97,647,000 | 1,030 |
| Average total loans | $494,295,000 | 1,195 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3713% | 1,665 |
| Cost of funding earning assets | 0.5880% | 2,398 |
| Net interest margin | 3.7833% | 1,547 |
| Noninterest income to average assets | 0.5086% | 2,593 |
| Noninterest expense to average assets | 2.5929% | 2,573 |
| Loan and lease loss provision to assets | 0.1285% | 2,756 |
| Net operating income to assets | 1.0409% | 2,136 |
| Return on assets (ROA) | 1.0595% | 2,206 |
| Pretax return on assets | 1.3706% | 1,750 |
| Return on Equity (ROE) | 9.0887% | 2,363 |
| Retained earnings to average equity (ytd only) | 8.0988% | 1,026 |
| Net charge-offs to loans | 0.2336% | 748 |
| Credit loss provision to net charge-offs | 87.0668% | 2,950 |
| Earnings coverage of net charge-offs (x) | 9.9983% | 2,494 |
| Efficiency ratio | 62.9688% | 2,983 |
| Assets per employee ($millions) | 5.1560% | 3,218 |
| Cash dividends to net income (ytd only)* | 10.8913% | 3,533 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5589% | 1,401 |
| Loan loss allowance to noncurrent loans | 62.6004% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 1.4612% | 511 |
| Noncurrent loans to loans | 2.4902% | 404 |
| Net loans and leases to total assets | 57.2896% | 3,166 |
| Net loans and leases to deposits | 72.4343% | 2,643 |
| Net loans and leases to core deposits | 74.6541% | 2,850 |
| Total domestic deposits to total assets | 79.0918% | 4,193 |
| Equity capital to assets | 11.4956% | 1,887 |
| Core capital (leverage) ratio | 10.4527% | 2,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $801,619,000 | 1,053 |
| Average earning assets | $754,260,000 | 1,041 |
| Average equity | $93,446,000 | 1,026 |
| Average total loans | $506,496,400 | 1,126 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6017% | 1,299 |
| Cost of funding earning assets | 0.6379% | 2,385 |
| Net interest margin | 3.9638% | 1,199 |
| Noninterest income to average assets | 0.4954% | 2,632 |
| Noninterest expense to average assets | 2.6474% | 2,392 |
| Loan and lease loss provision to assets | 0.1485% | 2,539 |
| Net operating income to assets | 1.1066% | 1,960 |
| Return on assets (ROA) | 1.1042% | 2,096 |
| Pretax return on assets | 1.4287% | 1,637 |
| Return on Equity (ROE) | 9.4369% | 2,235 |
| Retained earnings to average equity (ytd only) | 8.1016% | 1,272 |
| Net charge-offs to loans | 0.3052% | 513 |
| Credit loss provision to net charge-offs | 75.3859% | 2,783 |
| Earnings coverage of net charge-offs (x) | 8.0232% | 2,531 |
| Efficiency ratio | 61.8747% | 3,096 |
| Assets per employee ($millions) | 4.9062% | 3,370 |
| Cash dividends to net income (ytd only)* | 14.1502% | 3,003 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4647% | 1,489 |
| Loan loss allowance to noncurrent loans | 61.9102% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 1.4697% | 590 |
| Noncurrent loans to loans | 2.3659% | 466 |
| Net loans and leases to total assets | 60.8114% | 3,128 |
| Net loans and leases to deposits | 78.1874% | 2,517 |
| Net loans and leases to core deposits | 80.8185% | 2,768 |
| Total domestic deposits to total assets | 77.7765% | 4,231 |
| Equity capital to assets | 11.4555% | 2,046 |
| Core capital (leverage) ratio | 10.4308% | 2,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $789,340,750 | 1,055 |
| Average earning assets | $743,216,250 | 1,039 |
| Average equity | $92,358,250 | 1,022 |
| Average total loans | $509,345,750 | 1,111 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9400% | 907 |
| Cost of funding earning assets | 0.7079% | 2,338 |
| Net interest margin | 4.2322% | 853 |
| Noninterest income to average assets | 0.4306% | 2,907 |
| Noninterest expense to average assets | 2.7464% | 2,230 |
| Loan and lease loss provision to assets | 0.0846% | 3,225 |
| Net operating income to assets | 1.2290% | 1,552 |
| Return on assets (ROA) | 1.2112% | 1,732 |
| Pretax return on assets | 1.5567% | 1,329 |
| Return on Equity (ROE) | 10.2735% | 1,899 |
| Retained earnings to average equity (ytd only) | 8.2429% | 1,235 |
| Net charge-offs to loans | 0.4604% | 343 |
| Credit loss provision to net charge-offs | 28.0446% | 2,708 |
| Earnings coverage of net charge-offs (x) | 5.5137% | 2,508 |
| Efficiency ratio | 61.5398% | 3,196 |
| Assets per employee ($millions) | 4.8677% | 3,346 |
| Cash dividends to net income (ytd only)* | 19.7650% | 2,750 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3007% | 1,998 |
| Loan loss allowance to noncurrent loans | 60.9445% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 1.4011% | 696 |
| Noncurrent loans to loans | 2.1343% | 601 |
| Net loans and leases to total assets | 64.1130% | 2,865 |
| Net loans and leases to deposits | 81.8388% | 2,225 |
| Net loans and leases to core deposits | 84.7271% | 2,555 |
| Total domestic deposits to total assets | 78.3406% | 4,142 |
| Equity capital to assets | 11.3414% | 2,091 |
| Core capital (leverage) ratio | 10.5693% | 2,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $772,799,000 | 1,053 |
| Average earning assets | $726,674,667 | 1,039 |
| Average equity | $91,108,333 | 1,027 |
| Average total loans | $506,537,333 | 1,106 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6857% | 1,753 |
| Cost of funding earning assets | 0.7964% | 2,417 |
| Net interest margin | 3.8893% | 1,705 |
| Noninterest income to average assets | 0.4468% | 2,811 |
| Noninterest expense to average assets | 2.9561% | 1,998 |
| Loan and lease loss provision to assets | 0.1055% | 2,368 |
| Net operating income to assets | 0.8185% | 2,842 |
| Return on assets (ROA) | 0.5782% | 3,726 |
| Pretax return on assets | 0.7262% | 3,608 |
| Return on Equity (ROE) | 4.8021% | 3,708 |
| Retained earnings to average equity (ytd only) | 2.5665% | 3,243 |
| Net charge-offs to loans | 0.0286% | 1,807 |
| Credit loss provision to net charge-offs | 560.0000% | 822 |
| Earnings coverage of net charge-offs (x) | 60.0857% | 805 |
| Efficiency ratio | 71.4907% | 2,159 |
| Assets per employee ($millions) | 4.3499% | 3,477 |
| Cash dividends to net income (ytd only)* | 46.5549% | 1,724 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6425% | 972 |
| Loan loss allowance to noncurrent loans | 78.3916% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 1.3857% | 818 |
| Noncurrent loans to loans | 2.0952% | 655 |
| Net loans and leases to total assets | 64.2860% | 3,034 |
| Net loans and leases to deposits | 81.1125% | 2,570 |
| Net loans and leases to core deposits | 84.7577% | 2,781 |
| Total domestic deposits to total assets | 79.2553% | 4,004 |
| Equity capital to assets | 12.1358% | 1,973 |
| Core capital (leverage) ratio | 10.0988% | 3,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $743,014,000 | 1,055 |
| Average earning assets | $695,651,000 | 1,039 |
| Average equity | $89,461,500 | 1,037 |
| Average total loans | $489,461,000 | 1,111 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9509% | 1,608 |
| Cost of funding earning assets | 0.8410% | 2,484 |
| Net interest margin | 4.1099% | 1,515 |
| Noninterest income to average assets | 0.5195% | 2,630 |
| Noninterest expense to average assets | 3.0019% | 2,012 |
| Loan and lease loss provision to assets | 0.0804% | 2,388 |
| Net operating income to assets | 0.9530% | 3,006 |
| Return on assets (ROA) | 1.0317% | 2,819 |
| Pretax return on assets | 1.3798% | 2,233 |
| Return on Equity (ROE) | 8.3709% | 3,008 |
| Retained earnings to average equity (ytd only) | -8.3263% | 5,043 |
| Net charge-offs to loans | 0.0418% | 2,556 |
| Credit loss provision to net charge-offs | 279.3970% | 1,007 |
| Earnings coverage of net charge-offs (x) | 47.2764% | 1,173 |
| Efficiency ratio | 68.0965% | 2,445 |
| Assets per employee ($millions) | 4.2898% | 3,524 |
| Cash dividends to net income (ytd only)* | 199.4673% | 71 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6066% | 962 |
| Loan loss allowance to noncurrent loans | 75.2486% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 1.4315% | 728 |
| Noncurrent loans to loans | 2.1351% | 586 |
| Net loans and leases to total assets | 65.3311% | 3,036 |
| Net loans and leases to deposits | 82.2915% | 2,524 |
| Net loans and leases to core deposits | 87.1883% | 2,686 |
| Total domestic deposits to total assets | 79.3899% | 4,104 |
| Equity capital to assets | 11.9436% | 2,167 |
| Core capital (leverage) ratio | 10.3074% | 3,185 |
| Tier 1 risk-based capital ratio | 13.2653% | 3,645 |
| Total risk-based capital ratio | 14.5177% | 3,530 |
| Memoranda: |
| Average total assets | $691,496,600 | 1,079 |
| Average earning assets | $646,589,400 | 1,069 |
| Average equity | $85,224,000 | 1,031 |
| Average total loans | $476,408,600 | 1,121 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0047% | 1,522 |
| Cost of funding earning assets | 0.8364% | 2,529 |
| Net interest margin | 4.1684% | 1,452 |
| Noninterest income to average assets | 0.5104% | 2,667 |
| Noninterest expense to average assets | 2.9697% | 2,054 |
| Loan and lease loss provision to assets | 0.0906% | 2,092 |
| Net operating income to assets | 1.0442% | 2,803 |
| Return on assets (ROA) | 1.1495% | 2,456 |
| Pretax return on assets | 1.4819% | 2,016 |
| Return on Equity (ROE) | 9.2496% | 2,779 |
| Retained earnings to average equity (ytd only) | -11.3103% | 5,158 |
| Net charge-offs to loans | 0.0623% | 1,930 |
| Credit loss provision to net charge-offs | 209.0498% | 1,263 |
| Earnings coverage of net charge-offs (x) | 33.2081% | 1,534 |
| Efficiency ratio | 66.6726% | 2,641 |
| Assets per employee ($millions) | 3.9132% | 4,007 |
| Cash dividends to net income (ytd only)* | 222.2792% | 59 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6159% | 965 |
| Loan loss allowance to noncurrent loans | 165.9178% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.6858% | 1,979 |
| Noncurrent loans to loans | 0.9739% | 1,642 |
| Net loans and leases to total assets | 65.5751% | 3,106 |
| Net loans and leases to deposits | 83.0998% | 2,557 |
| Net loans and leases to core deposits | 88.0569% | 2,720 |
| Total domestic deposits to total assets | 78.9113% | 4,205 |
| Equity capital to assets | 12.2362% | 2,087 |
| Core capital (leverage) ratio | 10.4184% | 3,174 |
| Tier 1 risk-based capital ratio | 13.3392% | 3,662 |
| Total risk-based capital ratio | 14.5913% | 3,553 |
| Memoranda: |
| Average total assets | $679,911,500 | 1,101 |
| Average earning assets | $635,886,750 | 1,085 |
| Average equity | $84,499,000 | 1,031 |
| Average total loans | $473,033,750 | 1,129 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0152% | 1,446 |
| Cost of funding earning assets | 0.8132% | 2,586 |
| Net interest margin | 4.2021% | 1,363 |
| Noninterest income to average assets | 0.4798% | 2,782 |
| Noninterest expense to average assets | 2.9907% | 2,028 |
| Loan and lease loss provision to assets | 0.1104% | 1,693 |
| Net operating income to assets | 1.0258% | 2,821 |
| Return on assets (ROA) | 1.1813% | 2,286 |
| Pretax return on assets | 1.5093% | 1,830 |
| Return on Equity (ROE) | 9.4529% | 2,657 |
| Retained earnings to average equity (ytd only) | -19.3596% | 5,247 |
| Net charge-offs to loans | 0.0497% | 1,936 |
| Credit loss provision to net charge-offs | 314.5299% | 868 |
| Earnings coverage of net charge-offs (x) | 40.5299% | 1,236 |
| Efficiency ratio | 67.1426% | 2,665 |
| Assets per employee ($millions) | 4.0881% | 3,753 |
| Cash dividends to net income (ytd only)* | 304.8006% | 34 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5771% | 1,079 |
| Loan loss allowance to noncurrent loans | 147.7359% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.7790% | 1,789 |
| Noncurrent loans to loans | 1.0675% | 1,536 |
| Net loans and leases to total assets | 67.3513% | 2,915 |
| Net loans and leases to deposits | 85.6253% | 2,298 |
| Net loans and leases to core deposits | 90.4383% | 2,561 |
| Total domestic deposits to total assets | 78.6581% | 4,285 |
| Equity capital to assets | 12.0713% | 2,132 |
| Core capital (leverage) ratio | 10.2763% | 3,309 |
| Tier 1 risk-based capital ratio | 13.1981% | 3,736 |
| Total risk-based capital ratio | 14.4503% | 3,641 |
| Memoranda: |
| Average total assets | $666,537,330 | 1,117 |
| Average earning assets | $623,978,330 | 1,108 |
| Average equity | $83,297,000 | 1,044 |
| Average total loans | $470,739,000 | 1,133 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8844% | 1,637 |
| Cost of funding earning assets | 0.7392% | 2,840 |
| Net interest margin | 4.1453% | 1,437 |
| Noninterest income to average assets | 0.5087% | 2,504 |
| Noninterest expense to average assets | 3.0166% | 1,949 |
| Loan and lease loss provision to assets | 0.0956% | 1,831 |
| Net operating income to assets | 0.9966% | 2,855 |
| Return on assets (ROA) | 1.3205% | 1,668 |
| Pretax return on assets | 1.6861% | 1,246 |
| Return on Equity (ROE) | 10.3682% | 2,210 |
| Retained earnings to average equity (ytd only) | 8.8961% | 1,355 |
| Net charge-offs to loans | 0.1331% | 943 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 14.3464% | 1,799 |
| Efficiency ratio | 68.3281% | 2,597 |
| Assets per employee ($millions) | 3.8014% | 4,191 |
| Cash dividends to net income (ytd only)* | 14.1978% | 2,580 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6534% | 956 |
| Loan loss allowance to noncurrent loans | 166.1504% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.7561% | 1,861 |
| Noncurrent loans to loans | 0.9951% | 1,682 |
| Net loans and leases to total assets | 69.9467% | 2,494 |
| Net loans and leases to deposits | 89.6436% | 1,671 |
| Net loans and leases to core deposits | 94.9442% | 2,033 |
| Total domestic deposits to total assets | 78.0275% | 4,511 |
| Equity capital to assets | 12.9705% | 1,471 |
| Core capital (leverage) ratio | 11.5926% | 2,061 |
| Tier 1 risk-based capital ratio | 14.3302% | 3,181 |
| Total risk-based capital ratio | 15.5832% | 3,108 |
| Memoranda: |
| Average total assets | $640,051,000 | 1,167 |
| Average earning assets | $599,045,000 | 1,143 |
| Average equity | $81,518,500 | 1,056 |
| Average total loans | $459,926,500 | 1,154 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8009% | 1,543 |
| Cost of funding earning assets | 0.6684% | 2,279 |
| Net interest margin | 4.1325% | 1,580 |
| Noninterest income to average assets | 0.5935% | 2,330 |
| Noninterest expense to average assets | 2.9454% | 2,203 |
| Loan and lease loss provision to assets | 0.0610% | 2,939 |
| Net operating income to assets | 1.1254% | 2,494 |
| Return on assets (ROA) | 1.2073% | 2,129 |
| Pretax return on assets | 1.5536% | 1,613 |
| Return on Equity (ROE) | 9.8025% | 2,602 |
| Retained earnings to average equity (ytd only) | 5.9759% | 2,210 |
| Net charge-offs to loans | 0.1375% | 1,384 |
| Credit loss provision to net charge-offs | 62.5806% | 3,071 |
| Earnings coverage of net charge-offs (x) | 15.5113% | 2,320 |
| Efficiency ratio | 65.6866% | 2,915 |
| Assets per employee ($millions) | 3.7957% | 4,181 |
| Cash dividends to net income (ytd only)* | 39.0371% | 2,573 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6128% | 1,004 |
| Loan loss allowance to noncurrent loans | 129.3267% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 0.9374% | 1,465 |
| Noncurrent loans to loans | 1.2471% | 1,274 |
| Net loans and leases to total assets | 71.4189% | 2,362 |
| Net loans and leases to deposits | 91.2680% | 1,635 |
| Net loans and leases to core deposits | 96.5891% | 2,005 |
| Total domestic deposits to total assets | 78.2518% | 4,449 |
| Equity capital to assets | 12.5031% | 1,576 |
| Core capital (leverage) ratio | 11.3154% | 2,257 |
| Tier 1 risk-based capital ratio | 13.4713% | 3,562 |
| Total risk-based capital ratio | 14.7237% | 3,467 |
| Memoranda: |
| Average total assets | $636,523,800 | 1,149 |
| Average earning assets | $594,970,200 | 1,125 |
| Average equity | $78,398,000 | 1,049 |
| Average total loans | $450,864,400 | 1,142 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7775% | 1,481 |
| Cost of funding earning assets | 0.6723% | 2,024 |
| Net interest margin | 4.1052% | 1,610 |
| Noninterest income to average assets | 0.5921% | 2,355 |
| Noninterest expense to average assets | 2.9372% | 2,203 |
| Loan and lease loss provision to assets | 0.0369% | 3,268 |
| Net operating income to assets | 1.1303% | 2,529 |
| Return on assets (ROA) | 1.2397% | 2,089 |
| Pretax return on assets | 1.5936% | 1,602 |
| Return on Equity (ROE) | 10.1041% | 2,573 |
| Retained earnings to average equity (ytd only) | 6.6830% | 2,288 |
| Net charge-offs to loans | 0.1664% | 996 |
| Credit loss provision to net charge-offs | 31.5412% | 2,962 |
| Earnings coverage of net charge-offs (x) | 12.7402% | 2,427 |
| Efficiency ratio | 65.9022% | 2,886 |
| Assets per employee ($millions) | 3.6134% | 4,420 |
| Cash dividends to net income (ytd only)* | 33.8581% | 2,364 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6326% | 1,002 |
| Loan loss allowance to noncurrent loans | 98.9116% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 1.2275% | 1,132 |
| Noncurrent loans to loans | 1.6506% | 951 |
| Net loans and leases to total assets | 70.5396% | 2,561 |
| Net loans and leases to deposits | 90.8977% | 1,772 |
| Net loans and leases to core deposits | 96.1804% | 2,100 |
| Total domestic deposits to total assets | 77.6033% | 4,549 |
| Equity capital to assets | 12.4545% | 1,623 |
| Core capital (leverage) ratio | 11.2741% | 2,355 |
| Tier 1 risk-based capital ratio | 13.6741% | 3,529 |
| Total risk-based capital ratio | 14.9269% | 3,443 |
| Memoranda: |
| Average total assets | $635,288,250 | 1,146 |
| Average earning assets | $593,800,500 | 1,125 |
| Average equity | $77,946,750 | 1,050 |
| Average total loans | $447,171,000 | 1,153 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8101% | 1,220 |
| Cost of funding earning assets | 0.7193% | 1,531 |
| Net interest margin | 4.0908% | 1,587 |
| Noninterest income to average assets | 0.7978% | 1,480 |
| Noninterest expense to average assets | 2.9181% | 2,294 |
| Loan and lease loss provision to assets | 0.0536% | 2,839 |
| Net operating income to assets | 1.2895% | 1,816 |
| Return on assets (ROA) | 1.2895% | 1,813 |
| Pretax return on assets | 1.6462% | 1,353 |
| Return on Equity (ROE) | 10.5619% | 2,303 |
| Retained earnings to average equity (ytd only) | 7.9921% | 1,640 |
| Net charge-offs to loans | 0.0529% | 1,845 |
| Credit loss provision to net charge-offs | 144.9153% | 1,607 |
| Earnings coverage of net charge-offs (x) | 45.9153% | 1,194 |
| Efficiency ratio | 62.7964% | 3,517 |
| Assets per employee ($millions) | 3.6912% | 4,360 |
| Cash dividends to net income (ytd only)* | 24.3309% | 2,841 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7371% | 840 |
| Loan loss allowance to noncurrent loans | 99.2867% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 1.3179% | 1,072 |
| Noncurrent loans to loans | 1.7496% | 907 |
| Net loans and leases to total assets | 70.2680% | 2,539 |
| Net loans and leases to deposits | 89.0434% | 1,971 |
| Net loans and leases to core deposits | 94.2817% | 2,199 |
| Total domestic deposits to total assets | 78.9143% | 4,440 |
| Equity capital to assets | 12.4576% | 1,561 |
| Core capital (leverage) ratio | 10.5576% | 2,975 |
| Tier 1 risk-based capital ratio | 13.6984% | 3,510 |
| Total risk-based capital ratio | 14.9522% | 3,414 |
| Memoranda: |
| Average total assets | $637,472,670 | 1,141 |
| Average earning assets | $595,286,000 | 1,125 |
| Average equity | $77,827,000 | 1,044 |
| Average total loans | $445,938,670 | 1,154 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8338% | 1,005 |
| Cost of funding earning assets | 0.6898% | 1,497 |
| Net interest margin | 4.1440% | 1,321 |
| Noninterest income to average assets | 0.5778% | 2,376 |
| Noninterest expense to average assets | 2.9076% | 2,340 |
| Loan and lease loss provision to assets | 0.1065% | 1,754 |
| Net operating income to assets | 1.1475% | 2,230 |
| Return on assets (ROA) | 1.1475% | 2,242 |
| Pretax return on assets | 1.4276% | 1,908 |
| Return on Equity (ROE) | 9.4933% | 2,679 |
| Retained earnings to average equity (ytd only) | 9.4933% | 1,308 |
| Net charge-offs to loans | 0.0135% | 2,278 |
| Credit loss provision to net charge-offs | 1,140.0000% | 312 |
| Earnings coverage of net charge-offs (x) | 164.2667% | 395 |
| Efficiency ratio | 65.0547% | 3,307 |
| Assets per employee ($millions) | 3.8148% | 4,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7701% | 827 |
| Loan loss allowance to noncurrent loans | 94.4624% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 1.3926% | 1,046 |
| Noncurrent loans to loans | 1.8738% | 877 |
| Net loans and leases to total assets | 68.3893% | 2,719 |
| Net loans and leases to deposits | 87.1101% | 2,039 |
| Net loans and leases to core deposits | 92.2797% | 2,277 |
| Total domestic deposits to total assets | 78.5090% | 4,647 |
| Equity capital to assets | 12.1433% | 1,688 |
| Core capital (leverage) ratio | 10.1790% | 3,329 |
| Tier 1 risk-based capital ratio | 13.4331% | 3,701 |
| Total risk-based capital ratio | 14.6873% | 3,611 |
| Memoranda: |
| Average total assets | $642,458,000 | 1,148 |
| Average earning assets | $599,031,000 | 1,133 |
| Average equity | $77,654,500 | 1,055 |
| Average total loans | $444,544,000 | 1,164 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5037% | 1,696 |
| Cost of funding earning assets | 0.5471% | 1,976 |
| Net interest margin | 3.9565% | 1,895 |
| Noninterest income to average assets | 0.5622% | 2,643 |
| Noninterest expense to average assets | 2.8464% | 2,621 |
| Loan and lease loss provision to assets | 0.1571% | 1,428 |
| Net operating income to assets | 0.8848% | 2,792 |
| Return on assets (ROA) | 0.8848% | 2,816 |
| Pretax return on assets | 1.2667% | 2,482 |
| Return on Equity (ROE) | 7.3646% | 3,091 |
| Retained earnings to average equity (ytd only) | 1.6413% | 4,323 |
| Net charge-offs to loans | 0.0400% | 2,992 |
| Credit loss provision to net charge-offs | 571.1864% | 566 |
| Earnings coverage of net charge-offs (x) | 51.7684% | 1,062 |
| Efficiency ratio | 66.2349% | 3,222 |
| Assets per employee ($millions) | 3.8108% | 4,265 |
| Cash dividends to net income (ytd only)* | 77.7134% | 913 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7481% | 864 |
| Loan loss allowance to noncurrent loans | 109.4121% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 1.1940% | 1,240 |
| Noncurrent loans to loans | 1.5977% | 1,051 |
| Net loans and leases to total assets | 67.5668% | 2,879 |
| Net loans and leases to deposits | 85.0380% | 2,366 |
| Net loans and leases to core deposits | 89.9254% | 2,575 |
| Total domestic deposits to total assets | 79.4548% | 4,459 |
| Equity capital to assets | 12.0312% | 1,810 |
| Core capital (leverage) ratio | 10.5767% | 2,765 |
| Tier 1 risk-based capital ratio | 13.2087% | 3,786 |
| Total risk-based capital ratio | 14.4625% | 3,709 |
| Memoranda: |
| Average total assets | $643,556,400 | 1,130 |
| Average earning assets | $603,127,600 | 1,109 |
| Average equity | $77,315,600 | 1,044 |
| Average total loans | $442,348,800 | 1,144 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4396% | 1,823 |
| Cost of funding earning assets | 0.5279% | 2,051 |
| Net interest margin | 3.9118% | 1,997 |
| Noninterest income to average assets | 0.5510% | 2,724 |
| Noninterest expense to average assets | 2.6700% | 3,165 |
| Loan and lease loss provision to assets | 0.1739% | 1,158 |
| Net operating income to assets | 0.9538% | 2,758 |
| Return on assets (ROA) | 0.9538% | 2,820 |
| Pretax return on assets | 1.3788% | 2,179 |
| Return on Equity (ROE) | 7.9422% | 3,155 |
| Retained earnings to average equity (ytd only) | 1.8600% | 4,690 |
| Net charge-offs to loans | 0.0009% | 3,764 |
| Credit loss provision to net charge-offs | 27,966.6667% | 15 |
| Earnings coverage of net charge-offs (x) | 2,497.6050% | 28 |
| Efficiency ratio | 62.8030% | 3,755 |
| Assets per employee ($millions) | 3.7010% | 4,449 |
| Cash dividends to net income (ytd only)* | 76.5804% | 744 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7835% | 879 |
| Loan loss allowance to noncurrent loans | 58.4087% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 2.2101% | 546 |
| Noncurrent loans to loans | 3.0535% | 408 |
| Net loans and leases to total assets | 67.7901% | 2,872 |
| Net loans and leases to deposits | 85.9658% | 2,296 |
| Net loans and leases to core deposits | 91.0815% | 2,521 |
| Total domestic deposits to total assets | 78.8570% | 4,558 |
| Equity capital to assets | 12.4173% | 1,708 |
| Core capital (leverage) ratio | 10.5948% | 2,886 |
| Tier 1 risk-based capital ratio | 13.5752% | 3,654 |
| Total risk-based capital ratio | 14.8293% | 3,577 |
| Memoranda: |
| Average total assets | $643,438,500 | 1,137 |
| Average earning assets | $603,939,000 | 1,113 |
| Average equity | $77,273,500 | 1,049 |
| Average total loans | $442,213,250 | 1,153 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3872% | 1,860 |
| Cost of funding earning assets | 0.5242% | 1,968 |
| Net interest margin | 3.8630% | 2,051 |
| Noninterest income to average assets | 0.5480% | 2,726 |
| Noninterest expense to average assets | 2.6412% | 3,306 |
| Loan and lease loss provision to assets | 0.2073% | 866 |
| Net operating income to assets | 0.9167% | 2,827 |
| Return on assets (ROA) | 0.9167% | 2,877 |
| Pretax return on assets | 1.3237% | 2,293 |
| Return on Equity (ROE) | 7.7179% | 3,184 |
| Retained earnings to average equity (ytd only) | 0.7040% | 4,922 |
| Net charge-offs to loans | 0.0985% | 1,637 |
| Credit loss provision to net charge-offs | 306.8493% | 948 |
| Earnings coverage of net charge-offs (x) | 22.6575% | 1,702 |
| Efficiency ratio | 62.8753% | 3,837 |
| Assets per employee ($millions) | 3.8131% | 4,258 |
| Cash dividends to net income (ytd only)* | 90.8785% | 608 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6435% | 1,172 |
| Loan loss allowance to noncurrent loans | 58.5880% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 2.0288% | 627 |
| Noncurrent loans to loans | 2.8052% | 495 |
| Net loans and leases to total assets | 67.9574% | 2,826 |
| Net loans and leases to deposits | 85.6603% | 2,263 |
| Net loans and leases to core deposits | 91.6822% | 2,365 |
| Total domestic deposits to total assets | 79.3336% | 4,551 |
| Equity capital to assets | 11.9547% | 1,962 |
| Core capital (leverage) ratio | 10.2925% | 3,154 |
| Tier 1 risk-based capital ratio | 12.8242% | 4,105 |
| Total risk-based capital ratio | 14.0768% | 4,018 |
| Memoranda: |
| Average total assets | $648,197,000 | 1,131 |
| Average earning assets | $608,134,670 | 1,115 |
| Average equity | $76,989,670 | 1,057 |
| Average total loans | $444,866,000 | 1,149 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2569% | 2,080 |
| Cost of funding earning assets | 0.5199% | 1,935 |
| Net interest margin | 3.7370% | 2,368 |
| Noninterest income to average assets | 0.6011% | 2,411 |
| Noninterest expense to average assets | 2.6493% | 3,307 |
| Loan and lease loss provision to assets | 0.1426% | 1,316 |
| Net operating income to assets | 0.9139% | 2,688 |
| Return on assets (ROA) | 0.9139% | 2,744 |
| Pretax return on assets | 1.3132% | 2,192 |
| Return on Equity (ROE) | 7.7198% | 3,061 |
| Retained earnings to average equity (ytd only) | 1.4647% | 4,517 |
| Net charge-offs to loans | 0.0280% | 2,195 |
| Credit loss provision to net charge-offs | 745.1613% | 437 |
| Earnings coverage of net charge-offs (x) | 76.0968% | 679 |
| Efficiency ratio | 64.1010% | 3,811 |
| Assets per employee ($millions) | 3.7192% | 4,469 |
| Cash dividends to net income (ytd only)* | 81.0263% | 959 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6065% | 1,361 |
| Loan loss allowance to noncurrent loans | 60.3601% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 1.9138% | 710 |
| Noncurrent loans to loans | 2.6615% | 570 |
| Net loans and leases to total assets | 67.2726% | 2,777 |
| Net loans and leases to deposits | 84.9046% | 2,170 |
| Net loans and leases to core deposits | 90.6834% | 2,295 |
| Total domestic deposits to total assets | 79.2332% | 4,783 |
| Equity capital to assets | 11.9012% | 1,906 |
| Core capital (leverage) ratio | 10.2812% | 3,140 |
| Tier 1 risk-based capital ratio | 12.9146% | 4,135 |
| Total risk-based capital ratio | 14.1667% | 4,027 |
| Memoranda: |
| Average total assets | $648,180,500 | 1,127 |
| Average earning assets | $607,765,500 | 1,114 |
| Average equity | $76,737,500 | 1,046 |
| Average total loans | $443,358,500 | 1,150 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5193% | 1,485 |
| Cost of funding earning assets | 0.5315% | 1,858 |
| Net interest margin | 3.9878% | 1,665 |
| Noninterest income to average assets | 0.6009% | 2,658 |
| Noninterest expense to average assets | 2.8058% | 3,002 |
| Loan and lease loss provision to assets | 0.1772% | 1,364 |
| Net operating income to assets | 0.9268% | 2,695 |
| Return on assets (ROA) | 0.9268% | 2,811 |
| Pretax return on assets | 1.3637% | 2,055 |
| Return on Equity (ROE) | 7.7649% | 3,078 |
| Retained earnings to average equity (ytd only) | -0.0230% | 5,310 |
| Net charge-offs to loans | 0.0459% | 3,120 |
| Credit loss provision to net charge-offs | 563.5922% | 598 |
| Earnings coverage of net charge-offs (x) | 49.0097% | 1,020 |
| Efficiency ratio | 64.1385% | 3,916 |
| Assets per employee ($millions) | 3.7745% | 4,356 |
| Cash dividends to net income (ytd only)* | 100.2964% | 356 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5547% | 1,490 |
| Loan loss allowance to noncurrent loans | 100.6998% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 1.1631% | 1,570 |
| Noncurrent loans to loans | 1.5439% | 1,291 |
| Net loans and leases to total assets | 67.3660% | 2,877 |
| Net loans and leases to deposits | 84.3282% | 2,376 |
| Net loans and leases to core deposits | 90.1368% | 2,488 |
| Total domestic deposits to total assets | 79.8855% | 4,598 |
| Equity capital to assets | 11.7768% | 1,949 |
| Core capital (leverage) ratio | 10.3932% | 3,001 |
| Tier 1 risk-based capital ratio | 12.7508% | 4,235 |
| Total risk-based capital ratio | 14.0022% | 4,125 |
| Memoranda: |
| Average total assets | $655,181,400 | 1,088 |
| Average earning assets | $615,433,800 | 1,061 |
| Average equity | $78,198,400 | 1,015 |
| Average total loans | $448,365,000 | 1,094 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5571% | 1,391 |
| Cost of funding earning assets | 0.5374% | 1,813 |
| Net interest margin | 4.0198% | 1,595 |
| Noninterest income to average assets | 0.5661% | 2,842 |
| Noninterest expense to average assets | 2.6472% | 3,507 |
| Loan and lease loss provision to assets | 0.1655% | 1,379 |
| Net operating income to assets | 1.0343% | 2,271 |
| Return on assets (ROA) | 1.0343% | 2,397 |
| Pretax return on assets | 1.5323% | 1,601 |
| Return on Equity (ROE) | 8.6373% | 2,695 |
| Retained earnings to average equity (ytd only) | 1.8719% | 4,745 |
| Net charge-offs to loans | 0.0783% | 2,201 |
| Credit loss provision to net charge-offs | 308.7121% | 1,009 |
| Earnings coverage of net charge-offs (x) | 31.6743% | 1,435 |
| Efficiency ratio | 60.5187% | 4,461 |
| Assets per employee ($millions) | 3.7292% | 4,423 |
| Cash dividends to net income (ytd only)* | 78.3275% | 788 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4704% | 1,885 |
| Loan loss allowance to noncurrent loans | 99.7393% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 1.1965% | 1,669 |
| Noncurrent loans to loans | 1.4743% | 1,462 |
| Net loans and leases to total assets | 67.5518% | 2,864 |
| Net loans and leases to deposits | 87.8454% | 2,037 |
| Net loans and leases to core deposits | 93.9433% | 2,194 |
| Total domestic deposits to total assets | 76.8985% | 5,112 |
| Equity capital to assets | 12.3596% | 1,862 |
| Core capital (leverage) ratio | 10.5354% | 2,957 |
| Tier 1 risk-based capital ratio | 12.5898% | 4,420 |
| Total risk-based capital ratio | 13.8199% | 4,338 |
| Memoranda: |
| Average total assets | $656,672,250 | 1,081 |
| Average earning assets | $617,331,500 | 1,054 |
| Average equity | $78,633,750 | 1,012 |
| Average total loans | $449,391,500 | 1,087 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5071% | 1,488 |
| Cost of funding earning assets | 0.5376% | 1,796 |
| Net interest margin | 3.9695% | 1,741 |
| Noninterest income to average assets | 0.5584% | 2,859 |
| Noninterest expense to average assets | 2.6625% | 3,513 |
| Loan and lease loss provision to assets | 0.1450% | 1,579 |
| Net operating income to assets | 1.0035% | 2,378 |
| Return on assets (ROA) | 1.0035% | 2,512 |
| Pretax return on assets | 1.4846% | 1,725 |
| Return on Equity (ROE) | 8.4686% | 2,762 |
| Retained earnings to average equity (ytd only) | 1.3390% | 4,848 |
| Net charge-offs to loans | 0.0646% | 2,273 |
| Credit loss provision to net charge-offs | 328.0822% | 901 |
| Earnings coverage of net charge-offs (x) | 36.8630% | 1,217 |
| Efficiency ratio | 61.6226% | 4,405 |
| Assets per employee ($millions) | 3.6619% | 4,504 |
| Cash dividends to net income (ytd only)* | 84.1883% | 807 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3989% | 2,304 |
| Loan loss allowance to noncurrent loans | 123.0860% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 0.9305% | 2,290 |
| Noncurrent loans to loans | 1.1366% | 2,027 |
| Net loans and leases to total assets | 67.5920% | 2,843 |
| Net loans and leases to deposits | 86.9530% | 2,134 |
| Net loans and leases to core deposits | 92.8297% | 2,275 |
| Total domestic deposits to total assets | 77.7340% | 5,049 |
| Equity capital to assets | 12.1484% | 2,019 |
| Core capital (leverage) ratio | 10.3078% | 3,187 |
| Tier 1 risk-based capital ratio | 12.5059% | 4,516 |
| Total risk-based capital ratio | 13.6935% | 4,475 |
| Memoranda: |
| Average total assets | $660,510,330 | 1,078 |
| Average earning assets | $621,280,330 | 1,049 |
| Average equity | $78,265,330 | 1,018 |
| Average total loans | $451,748,670 | 1,075 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4665% | 1,605 |
| Cost of funding earning assets | 0.5331% | 1,844 |
| Net interest margin | 3.9334% | 1,834 |
| Noninterest income to average assets | 0.5822% | 2,630 |
| Noninterest expense to average assets | 2.7366% | 3,288 |
| Loan and lease loss provision to assets | 0.1044% | 1,962 |
| Net operating income to assets | 0.9785% | 2,376 |
| Return on assets (ROA) | 0.9785% | 2,489 |
| Pretax return on assets | 1.4401% | 1,778 |
| Return on Equity (ROE) | 8.3627% | 2,732 |
| Retained earnings to average equity (ytd only) | 2.1757% | 4,386 |
| Net charge-offs to loans | 0.2111% | 951 |
| Credit loss provision to net charge-offs | 72.3849% | 1,892 |
| Earnings coverage of net charge-offs (x) | 10.7113% | 1,908 |
| Efficiency ratio | 63.5147% | 4,213 |
| Assets per employee ($millions) | 3.7804% | 4,341 |
| Cash dividends to net income (ytd only)* | 73.9827% | 1,106 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3104% | 2,849 |
| Loan loss allowance to noncurrent loans | 112.2616% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 0.9635% | 2,303 |
| Noncurrent loans to loans | 1.1673% | 2,074 |
| Net loans and leases to total assets | 67.3999% | 2,752 |
| Net loans and leases to deposits | 87.2069% | 1,919 |
| Net loans and leases to core deposits | 93.8043% | 2,012 |
| Total domestic deposits to total assets | 77.2873% | 5,248 |
| Equity capital to assets | 11.9172% | 2,079 |
| Core capital (leverage) ratio | 10.2461% | 3,265 |
| Tier 1 risk-based capital ratio | 12.5725% | 4,534 |
| Total risk-based capital ratio | 13.6920% | 4,526 |
| Memoranda: |
| Average total assets | $663,023,500 | 1,068 |
| Average earning assets | $623,488,000 | 1,047 |
| Average equity | $77,582,500 | 1,028 |
| Average total loans | $452,952,500 | 1,069 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3630% | 2,016 |
| Cost of funding earning assets | 0.5949% | 1,397 |
| Net interest margin | 3.7681% | 2,492 |
| Noninterest income to average assets | 0.6544% | 2,438 |
| Noninterest expense to average assets | 2.7212% | 3,513 |
| Loan and lease loss provision to assets | 0.1652% | 1,390 |
| Net operating income to assets | 0.9054% | 2,843 |
| Return on assets (ROA) | 0.9054% | 2,925 |
| Pretax return on assets | 1.3126% | 2,231 |
| Return on Equity (ROE) | 7.5311% | 3,234 |
| Retained earnings to average equity (ytd only) | -15.5020% | 6,092 |
| Net charge-offs to loans | 0.1478% | 1,885 |
| Credit loss provision to net charge-offs | 172.1831% | 1,568 |
| Earnings coverage of net charge-offs (x) | 15.3996% | 2,205 |
| Efficiency ratio | 64.6884% | 4,137 |
| Assets per employee ($millions) | 3.8405% | 4,222 |
| Cash dividends to net income (ytd only)* | 305.8406% | 46 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3036% | 2,877 |
| Loan loss allowance to noncurrent loans | 118.8224% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 0.8757% | 2,479 |
| Noncurrent loans to loans | 1.0971% | 2,147 |
| Net loans and leases to total assets | 67.4464% | 2,792 |
| Net loans and leases to deposits | 86.8840% | 2,017 |
| Net loans and leases to core deposits | 92.2650% | 2,192 |
| Total domestic deposits to total assets | 77.6280% | 5,228 |
| Equity capital to assets | 11.4888% | 2,371 |
| Core capital (leverage) ratio | 10.1320% | 3,348 |
| Tier 1 risk-based capital ratio | 12.2246% | 4,812 |
| Total risk-based capital ratio | 13.3308% | 4,804 |
| Memoranda: |
| Average total assets | $591,881,400 | 1,153 |
| Average earning assets | $556,774,800 | 1,134 |
| Average equity | $71,158,400 | 1,072 |
| Average total loans | $384,184,400 | 1,202 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2864% | 2,282 |
| Cost of funding earning assets | 0.6028% | 1,389 |
| Net interest margin | 3.6836% | 2,832 |
| Noninterest income to average assets | 0.6678% | 2,397 |
| Noninterest expense to average assets | 2.5177% | 4,137 |
| Loan and lease loss provision to assets | 0.1774% | 1,186 |
| Net operating income to assets | 0.9900% | 2,514 |
| Return on assets (ROA) | 0.9900% | 2,603 |
| Pretax return on assets | 1.4409% | 1,859 |
| Return on Equity (ROE) | 8.1293% | 3,002 |
| Retained earnings to average equity (ytd only) | 5.6807% | 2,459 |
| Net charge-offs to loans | 0.1501% | 1,635 |
| Credit loss provision to net charge-offs | 184.9515% | 1,433 |
| Earnings coverage of net charge-offs (x) | 16.8738% | 2,085 |
| Efficiency ratio | 60.8735% | 4,759 |
| Assets per employee ($millions) | 3.7600% | 4,338 |
| Cash dividends to net income (ytd only)* | 30.1200% | 2,808 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6246% | 1,697 |
| Loan loss allowance to noncurrent loans | 118.0016% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 1.0266% | 2,303 |
| Noncurrent loans to loans | 1.3767% | 1,857 |
| Net loans and leases to total assets | 64.1274% | 3,292 |
| Net loans and leases to deposits | 85.3634% | 2,229 |
| Net loans and leases to core deposits | 91.0202% | 2,356 |
| Total domestic deposits to total assets | 75.1229% | 5,612 |
| Equity capital to assets | 12.9163% | 1,493 |
| Core capital (leverage) ratio | 10.5819% | 2,946 |
| Tier 1 risk-based capital ratio | 14.1880% | 3,735 |
| Total risk-based capital ratio | 15.4391% | 3,671 |
| Memoranda: |
| Average total assets | $572,789,000 | 1,196 |
| Average earning assets | $539,272,500 | 1,176 |
| Average equity | $69,754,500 | 1,097 |
| Average total loans | $366,064,500 | 1,246 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2367% | 2,402 |
| Cost of funding earning assets | 0.5985% | 1,425 |
| Net interest margin | 3.6381% | 2,948 |
| Noninterest income to average assets | 0.7177% | 2,140 |
| Noninterest expense to average assets | 2.5333% | 4,127 |
| Loan and lease loss provision to assets | 0.2013% | 971 |
| Net operating income to assets | 0.9775% | 2,510 |
| Return on assets (ROA) | 0.9775% | 2,610 |
| Pretax return on assets | 1.4102% | 1,936 |
| Return on Equity (ROE) | 8.1857% | 2,947 |
| Retained earnings to average equity (ytd only) | 5.0574% | 2,824 |
| Net charge-offs to loans | 0.2375% | 1,084 |
| Credit loss provision to net charge-offs | 133.4862% | 1,665 |
| Earnings coverage of net charge-offs (x) | 10.6858% | 2,345 |
| Efficiency ratio | 61.1199% | 4,808 |
| Assets per employee ($millions) | 3.8263% | 4,215 |
| Cash dividends to net income (ytd only)* | 38.2166% | 2,471 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5437% | 2,097 |
| Loan loss allowance to noncurrent loans | 116.4585% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 1.0260% | 2,454 |
| Noncurrent loans to loans | 1.3256% | 2,032 |
| Net loans and leases to total assets | 64.0721% | 3,257 |
| Net loans and leases to deposits | 84.6811% | 2,222 |
| Net loans and leases to core deposits | 90.1899% | 2,330 |
| Total domestic deposits to total assets | 75.6628% | 5,639 |
| Equity capital to assets | 12.2937% | 1,806 |
| Core capital (leverage) ratio | 10.1600% | 3,387 |
| Tier 1 risk-based capital ratio | 13.3629% | 4,301 |
| Total risk-based capital ratio | 14.5852% | 4,251 |
| Memoranda: |
| Average total assets | $578,227,000 | 1,187 |
| Average earning assets | $544,673,670 | 1,159 |
| Average equity | $69,047,330 | 1,111 |
| Average total loans | $367,170,670 | 1,252 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1176% | 2,765 |
| Cost of funding earning assets | 0.5899% | 1,507 |
| Net interest margin | 3.5277% | 3,311 |
| Noninterest income to average assets | 0.5211% | 3,147 |
| Noninterest expense to average assets | 2.3588% | 4,710 |
| Loan and lease loss provision to assets | 0.2054% | 884 |
| Net operating income to assets | 0.8956% | 2,759 |
| Return on assets (ROA) | 0.8956% | 2,889 |
| Pretax return on assets | 1.2777% | 2,366 |
| Return on Equity (ROE) | 7.6089% | 3,161 |
| Retained earnings to average equity (ytd only) | 3.0715% | 4,138 |
| Net charge-offs to loans | 0.4300% | 574 |
| Credit loss provision to net charge-offs | 76.1421% | 1,867 |
| Earnings coverage of net charge-offs (x) | 5.4975% | 2,384 |
| Efficiency ratio | 61.3973% | 4,901 |
| Assets per employee ($millions) | 3.9800% | 4,008 |
| Cash dividends to net income (ytd only)* | 59.6330% | 1,437 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4953% | 2,461 |
| Loan loss allowance to noncurrent loans | 103.1226% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 1.0440% | 2,527 |
| Noncurrent loans to loans | 1.4501% | 1,962 |
| Net loans and leases to total assets | 61.3530% | 3,471 |
| Net loans and leases to deposits | 81.1087% | 2,435 |
| Net loans and leases to core deposits | 86.2479% | 2,517 |
| Total domestic deposits to total assets | 75.6430% | 5,771 |
| Equity capital to assets | 11.8758% | 2,123 |
| Core capital (leverage) ratio | 10.2407% | 3,292 |
| Tier 1 risk-based capital ratio | 13.5009% | 4,318 |
| Total risk-based capital ratio | 14.7086% | 4,265 |
| Memoranda: |
| Average total assets | $584,196,000 | 1,179 |
| Average earning assets | $549,928,500 | 1,150 |
| Average equity | $68,762,000 | 1,123 |
| Average total loans | $366,495,000 | 1,251 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1275% | 3,213 |
| Cost of funding earning assets | 0.6382% | 1,492 |
| Net interest margin | 3.4894% | 3,838 |
| Noninterest income to average assets | 0.6388% | 2,626 |
| Noninterest expense to average assets | 2.5839% | 4,281 |
| Loan and lease loss provision to assets | 0.0613% | 3,289 |
| Net operating income to assets | 0.8617% | 3,054 |
| Return on assets (ROA) | 0.8617% | 3,153 |
| Pretax return on assets | 1.2746% | 2,330 |
| Return on Equity (ROE) | 7.4768% | 3,388 |
| Retained earnings to average equity (ytd only) | 4.4204% | 3,036 |
| Net charge-offs to loans | 0.0747% | 3,418 |
| Credit loss provision to net charge-offs | 135.1351% | 1,744 |
| Earnings coverage of net charge-offs (x) | 29.4324% | 1,360 |
| Efficiency ratio | 64.8545% | 4,427 |
| Assets per employee ($millions) | 3.9415% | 4,079 |
| Cash dividends to net income (ytd only)* | 40.8786% | 2,800 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5038% | 2,453 |
| Loan loss allowance to noncurrent loans | 95.4373% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 1.2175% | 2,339 |
| Noncurrent loans to loans | 1.5757% | 1,854 |
| Net loans and leases to total assets | 62.2366% | 3,470 |
| Net loans and leases to deposits | 80.8695% | 2,613 |
| Net loans and leases to core deposits | 85.6225% | 2,722 |
| Total domestic deposits to total assets | 76.9593% | 5,606 |
| Equity capital to assets | 11.6646% | 2,289 |
| Core capital (leverage) ratio | 10.8077% | 2,606 |
| Tier 1 risk-based capital ratio | 13.1950% | 4,590 |
| Total risk-based capital ratio | 14.3015% | 4,609 |
| Memoranda: |
| Average total assets | $570,609,200 | 1,158 |
| Average earning assets | $536,544,000 | 1,127 |
| Average equity | $65,763,600 | 1,118 |
| Average total loans | $346,778,200 | 1,271 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1178% | 3,304 |
| Cost of funding earning assets | 0.6470% | 1,475 |
| Net interest margin | 3.4708% | 3,940 |
| Noninterest income to average assets | 0.5191% | 3,414 |
| Noninterest expense to average assets | 2.4360% | 4,713 |
| Loan and lease loss provision to assets | 0.0811% | 2,728 |
| Net operating income to assets | 0.8581% | 3,135 |
| Return on assets (ROA) | 0.8581% | 3,228 |
| Pretax return on assets | 1.2642% | 2,522 |
| Return on Equity (ROE) | 7.4689% | 3,458 |
| Retained earnings to average equity (ytd only) | 4.4932% | 3,457 |
| Net charge-offs to loans | 0.0520% | 3,471 |
| Credit loss provision to net charge-offs | 259.3985% | 1,019 |
| Earnings coverage of net charge-offs (x) | 43.0448% | 1,078 |
| Efficiency ratio | 62.9443% | 4,738 |
| Assets per employee ($millions) | 3.7942% | 4,303 |
| Cash dividends to net income (ytd only)* | 39.8412% | 2,358 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6790% | 2,039 |
| Loan loss allowance to noncurrent loans | 150.1989% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.8674% | 3,255 |
| Noncurrent loans to loans | 1.1178% | 2,825 |
| Net loans and leases to total assets | 58.6703% | 3,980 |
| Net loans and leases to deposits | 78.0033% | 2,950 |
| Net loans and leases to core deposits | 82.8570% | 3,020 |
| Total domestic deposits to total assets | 75.2152% | 5,905 |
| Equity capital to assets | 11.8426% | 2,196 |
| Core capital (leverage) ratio | 10.7096% | 2,810 |
| Tier 1 risk-based capital ratio | 13.9251% | 4,273 |
| Total risk-based capital ratio | 15.1759% | 4,214 |
| Memoranda: |
| Average total assets | $567,427,250 | 1,177 |
| Average earning assets | $533,311,000 | 1,145 |
| Average equity | $65,193,500 | 1,132 |
| Average total loans | $341,324,750 | 1,290 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0780% | 3,436 |
| Cost of funding earning assets | 0.6528% | 1,490 |
| Net interest margin | 3.4252% | 4,081 |
| Noninterest income to average assets | 0.4643% | 3,755 |
| Noninterest expense to average assets | 2.4523% | 4,731 |
| Loan and lease loss provision to assets | 0.0820% | 2,663 |
| Net operating income to assets | 0.7819% | 3,414 |
| Return on assets (ROA) | 0.7819% | 3,516 |
| Pretax return on assets | 1.1420% | 2,922 |
| Return on Equity (ROE) | 6.8753% | 3,685 |
| Retained earnings to average equity (ytd only) | 2.3712% | 4,697 |
| Net charge-offs to loans | 0.0519% | 3,226 |
| Credit loss provision to net charge-offs | 261.7978% | 959 |
| Earnings coverage of net charge-offs (x) | 39.0674% | 1,076 |
| Efficiency ratio | 64.9909% | 4,538 |
| Assets per employee ($millions) | 3.8660% | 4,135 |
| Cash dividends to net income (ytd only)* | 65.5110% | 1,313 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6025% | 2,445 |
| Loan loss allowance to noncurrent loans | 120.4736% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 0.9702% | 3,123 |
| Noncurrent loans to loans | 1.3301% | 2,589 |
| Net loans and leases to total assets | 60.4630% | 3,642 |
| Net loans and leases to deposits | 80.1474% | 2,499 |
| Net loans and leases to core deposits | 84.6551% | 2,667 |
| Total domestic deposits to total assets | 75.4397% | 5,974 |
| Equity capital to assets | 11.5365% | 2,385 |
| Core capital (leverage) ratio | 10.4217% | 3,060 |
| Tier 1 risk-based capital ratio | 13.0710% | 4,871 |
| Total risk-based capital ratio | 14.3212% | 4,800 |
| Memoranda: |
| Average total assets | $568,122,330 | 1,167 |
| Average earning assets | $532,759,330 | 1,143 |
| Average equity | $64,607,670 | 1,133 |
| Average total loans | $342,649,000 | 1,282 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0244% | 3,594 |
| Cost of funding earning assets | 0.6576% | 1,536 |
| Net interest margin | 3.3668% | 4,265 |
| Noninterest income to average assets | 0.5380% | 3,124 |
| Noninterest expense to average assets | 2.4731% | 4,703 |
| Loan and lease loss provision to assets | 0.0634% | 2,855 |
| Net operating income to assets | 0.8204% | 3,052 |
| Return on assets (ROA) | 0.8204% | 3,122 |
| Pretax return on assets | 1.1528% | 2,682 |
| Return on Equity (ROE) | 7.2665% | 3,323 |
| Retained earnings to average equity (ytd only) | 4.7404% | 3,271 |
| Net charge-offs to loans | 0.0943% | 2,222 |
| Credit loss provision to net charge-offs | 112.5000% | 1,521 |
| Earnings coverage of net charge-offs (x) | 21.5875% | 1,283 |
| Efficiency ratio | 65.3369% | 4,638 |
| Assets per employee ($millions) | 3.8328% | 4,264 |
| Cash dividends to net income (ytd only)* | 34.7639% | 2,159 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6326% | 2,569 |
| Loan loss allowance to noncurrent loans | 109.8994% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 1.0221% | 3,211 |
| Noncurrent loans to loans | 1.4855% | 2,557 |
| Net loans and leases to total assets | 57.2425% | 3,964 |
| Net loans and leases to deposits | 73.8157% | 3,094 |
| Net loans and leases to core deposits | 77.7973% | 3,225 |
| Total domestic deposits to total assets | 77.5479% | 5,897 |
| Equity capital to assets | 11.2875% | 2,443 |
| Core capital (leverage) ratio | 10.4803% | 2,956 |
| Tier 1 risk-based capital ratio | 13.4120% | 4,758 |
| Total risk-based capital ratio | 14.6621% | 4,686 |
| Memoranda: |
| Average total assets | $568,029,500 | 1,171 |
| Average earning assets | $531,660,500 | 1,153 |
| Average equity | $64,130,000 | 1,141 |
| Average total loans | $339,367,500 | 1,295 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1734% | 3,440 |
| Cost of funding earning assets | 0.6466% | 2,231 |
| Net interest margin | 3.5269% | 3,780 |
| Noninterest income to average assets | 0.6004% | 3,099 |
| Noninterest expense to average assets | 3.1017% | 2,727 |
| Loan and lease loss provision to assets | -0.1047% | 6,490 |
| Net operating income to assets | 0.6186% | 4,172 |
| Return on assets (ROA) | 0.6186% | 4,284 |
| Pretax return on assets | 0.9002% | 3,763 |
| Return on Equity (ROE) | 5.3817% | 4,454 |
| Retained earnings to average equity (ytd only) | 3.2624% | 3,908 |
| Net charge-offs to loans | -0.0692% | 6,404 |
| Credit loss provision to net charge-offs | 251.7544% | 899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3132% | 2,571 |
| Assets per employee ($millions) | 3.7409% | 4,388 |
| Cash dividends to net income (ytd only)* | 39.3805% | 2,840 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5841% | 2,824 |
| Loan loss allowance to noncurrent loans | 104.4645% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 1.0817% | 3,245 |
| Noncurrent loans to loans | 1.5164% | 2,621 |
| Net loans and leases to total assets | 60.3634% | 3,647 |
| Net loans and leases to deposits | 77.9318% | 2,732 |
| Net loans and leases to core deposits | 82.4456% | 2,844 |
| Total domestic deposits to total assets | 77.4567% | 5,906 |
| Equity capital to assets | 11.2924% | 2,346 |
| Core capital (leverage) ratio | 10.4157% | 3,003 |
| Tier 1 risk-based capital ratio | 12.8976% | 5,053 |
| Total risk-based capital ratio | 14.1330% | 5,005 |
| Memoranda: |
| Average total assets | $547,985,200 | 1,211 |
| Average earning assets | $512,240,800 | 1,181 |
| Average equity | $62,991,000 | 1,138 |
| Average total loans | $329,711,200 | 1,291 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1714% | 3,485 |
| Cost of funding earning assets | 0.6417% | 2,439 |
| Net interest margin | 3.5297% | 3,759 |
| Noninterest income to average assets | 0.6068% | 3,106 |
| Noninterest expense to average assets | 3.1168% | 2,600 |
| Loan and lease loss provision to assets | -0.1405% | 6,665 |
| Net operating income to assets | 0.6279% | 4,227 |
| Return on assets (ROA) | 0.6279% | 4,350 |
| Pretax return on assets | 0.9306% | 3,759 |
| Return on Equity (ROE) | 5.4373% | 4,503 |
| Retained earnings to average equity (ytd only) | 3.5613% | 4,165 |
| Net charge-offs to loans | -0.1161% | 6,527 |
| Credit loss provision to net charge-offs | 202.1127% | 1,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2884% | 2,514 |
| Assets per employee ($millions) | 3.5856% | 4,678 |
| Cash dividends to net income (ytd only)* | 34.5030% | 2,493 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7219% | 2,552 |
| Loan loss allowance to noncurrent loans | 106.1885% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 1.1539% | 3,347 |
| Noncurrent loans to loans | 1.6215% | 2,744 |
| Net loans and leases to total assets | 58.4515% | 3,932 |
| Net loans and leases to deposits | 76.8340% | 2,839 |
| Net loans and leases to core deposits | 78.5405% | 3,292 |
| Total domestic deposits to total assets | 76.0751% | 6,159 |
| Equity capital to assets | 11.7573% | 2,077 |
| Core capital (leverage) ratio | 10.5993% | 2,893 |
| Tier 1 risk-based capital ratio | 13.6839% | 4,640 |
| Total risk-based capital ratio | 14.9350% | 4,596 |
| Memoranda: |
| Average total assets | $544,697,000 | 1,231 |
| Average earning assets | $509,270,000 | 1,203 |
| Average equity | $62,897,250 | 1,155 |
| Average total loans | $326,095,500 | 1,307 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1986% | 3,376 |
| Cost of funding earning assets | 0.6507% | 2,483 |
| Net interest margin | 3.5478% | 3,572 |
| Noninterest income to average assets | 0.6026% | 3,174 |
| Noninterest expense to average assets | 3.3807% | 1,866 |
| Loan and lease loss provision to assets | -0.1463% | 6,748 |
| Net operating income to assets | 0.4366% | 5,076 |
| Return on assets (ROA) | 0.4366% | 5,237 |
| Pretax return on assets | 0.6794% | 4,747 |
| Return on Equity (ROE) | 3.8035% | 5,290 |
| Retained earnings to average equity (ytd only) | 1.6533% | 5,197 |
| Net charge-offs to loans | -0.1755% | 6,632 |
| Credit loss provision to net charge-offs | 138.8889% | 1,632 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8098% | 1,651 |
| Assets per employee ($millions) | 3.5768% | 4,680 |
| Cash dividends to net income (ytd only)* | 56.5327% | 1,609 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7418% | 2,617 |
| Loan loss allowance to noncurrent loans | 108.6998% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 1.0939% | 3,545 |
| Noncurrent loans to loans | 1.6024% | 2,906 |
| Net loans and leases to total assets | 59.7767% | 3,698 |
| Net loans and leases to deposits | 77.8730% | 2,589 |
| Net loans and leases to core deposits | 79.6886% | 3,063 |
| Total domestic deposits to total assets | 76.7618% | 6,160 |
| Equity capital to assets | 11.4925% | 2,302 |
| Core capital (leverage) ratio | 10.2880% | 3,114 |
| Tier 1 risk-based capital ratio | 13.2601% | 4,949 |
| Total risk-based capital ratio | 14.5116% | 4,888 |
| Memoranda: |
| Average total assets | $546,983,670 | 1,227 |
| Average earning assets | $510,508,000 | 1,204 |
| Average equity | $62,784,670 | 1,163 |
| Average total loans | $328,166,670 | 1,297 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1748% | 3,405 |
| Cost of funding earning assets | 0.6426% | 2,722 |
| Net interest margin | 3.5323% | 3,559 |
| Noninterest income to average assets | 0.5063% | 3,733 |
| Noninterest expense to average assets | 2.4374% | 4,989 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8765% | 2,770 |
| Return on assets (ROA) | 0.8765% | 2,918 |
| Pretax return on assets | 1.3538% | 2,027 |
| Return on Equity (ROE) | 7.6404% | 3,138 |
| Retained earnings to average equity (ytd only) | 5.7461% | 2,813 |
| Net charge-offs to loans | 0.0450% | 3,396 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 50.5135% | 673 |
| Efficiency ratio | 61.6546% | 5,353 |
| Assets per employee ($millions) | 3.6269% | 4,721 |
| Cash dividends to net income (ytd only)* | 24.7934% | 2,213 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7945% | 2,640 |
| Loan loss allowance to noncurrent loans | 110.7672% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 1.3303% | 3,298 |
| Noncurrent loans to loans | 1.6200% | 3,108 |
| Net loans and leases to total assets | 57.9525% | 3,785 |
| Net loans and leases to deposits | 75.4249% | 2,716 |
| Net loans and leases to core deposits | 77.1556% | 3,185 |
| Total domestic deposits to total assets | 76.8346% | 6,264 |
| Equity capital to assets | 11.7052% | 2,251 |
| Core capital (leverage) ratio | 10.2806% | 3,038 |
| Tier 1 risk-based capital ratio | 13.5394% | 4,843 |
| Total risk-based capital ratio | 14.7914% | 4,798 |
| Memoranda: |
| Average total assets | $552,219,000 | 1,223 |
| Average earning assets | $513,551,500 | 1,215 |
| Average equity | $63,347,500 | 1,169 |
| Average total loans | $329,052,500 | 1,292 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7159% | 2,534 |
| Cost of funding earning assets | 0.8061% | 2,618 |
| Net interest margin | 3.9098% | 2,788 |
| Noninterest income to average assets | 0.6333% | 3,088 |
| Noninterest expense to average assets | 2.9289% | 3,537 |
| Loan and lease loss provision to assets | 0.0999% | 4,394 |
| Net operating income to assets | 0.7872% | 3,340 |
| Return on assets (ROA) | 0.7872% | 3,591 |
| Pretax return on assets | 1.2157% | 2,744 |
| Return on Equity (ROE) | 6.7592% | 3,780 |
| Retained earnings to average equity (ytd only) | 3.8525% | 3,486 |
| Net charge-offs to loans | 0.0621% | 5,076 |
| Credit loss provision to net charge-offs | 256.7308% | 932 |
| Earnings coverage of net charge-offs (x) | 33.8173% | 920 |
| Efficiency ratio | 64.9423% | 4,714 |
| Assets per employee ($millions) | 3.8649% | 4,242 |
| Cash dividends to net income (ytd only)* | 43.0031% | 2,694 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7201% | 2,859 |
| Loan loss allowance to noncurrent loans | 100.7647% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 1.4279% | 3,255 |
| Noncurrent loans to loans | 1.7071% | 3,056 |
| Net loans and leases to total assets | 59.1118% | 3,771 |
| Net loans and leases to deposits | 76.6009% | 2,701 |
| Net loans and leases to core deposits | 78.5981% | 3,187 |
| Total domestic deposits to total assets | 77.1685% | 6,205 |
| Equity capital to assets | 11.2445% | 2,691 |
| Core capital (leverage) ratio | 10.3922% | 2,894 |
| Tier 1 risk-based capital ratio | 12.8216% | 5,238 |
| Total risk-based capital ratio | 14.0732% | 5,174 |
| Memoranda: |
| Average total assets | $534,674,400 | 1,246 |
| Average earning assets | $493,837,000 | 1,232 |
| Average equity | $62,271,000 | 1,144 |
| Average total loans | $335,122,200 | 1,258 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8156% | 2,335 |
| Cost of funding earning assets | 0.8426% | 2,609 |
| Net interest margin | 3.9731% | 2,610 |
| Noninterest income to average assets | 0.5947% | 3,313 |
| Noninterest expense to average assets | 2.8337% | 3,859 |
| Loan and lease loss provision to assets | 0.1333% | 3,876 |
| Net operating income to assets | 0.8428% | 3,241 |
| Return on assets (ROA) | 0.8428% | 3,495 |
| Pretax return on assets | 1.3042% | 2,596 |
| Return on Equity (ROE) | 7.1706% | 3,715 |
| Retained earnings to average equity (ytd only) | 5.7962% | 2,837 |
| Net charge-offs to loans | 0.0701% | 4,709 |
| Credit loss provision to net charge-offs | 300.0000% | 895 |
| Earnings coverage of net charge-offs (x) | 32.3580% | 1,037 |
| Efficiency ratio | 62.2149% | 5,119 |
| Assets per employee ($millions) | 3.6495% | 4,659 |
| Cash dividends to net income (ytd only)* | 19.1674% | 3,083 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7563% | 2,944 |
| Loan loss allowance to noncurrent loans | 88.0556% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 1.6106% | 3,179 |
| Noncurrent loans to loans | 1.9946% | 2,848 |
| Net loans and leases to total assets | 61.5631% | 3,470 |
| Net loans and leases to deposits | 80.0390% | 2,383 |
| Net loans and leases to core deposits | 82.3541% | 2,910 |
| Total domestic deposits to total assets | 76.9164% | 6,245 |
| Equity capital to assets | 12.0030% | 2,254 |
| Core capital (leverage) ratio | 10.4914% | 2,922 |
| Tier 1 risk-based capital ratio | 13.2234% | 5,080 |
| Total risk-based capital ratio | 14.4756% | 5,042 |
| Memoranda: |
| Average total assets | $528,241,500 | 1,278 |
| Average earning assets | $488,812,250 | 1,260 |
| Average equity | $62,085,000 | 1,159 |
| Average total loans | $334,636,750 | 1,271 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8389% | 2,344 |
| Cost of funding earning assets | 0.8845% | 2,525 |
| Net interest margin | 3.9544% | 2,704 |
| Noninterest income to average assets | 0.6160% | 3,164 |
| Noninterest expense to average assets | 2.7701% | 4,134 |
| Loan and lease loss provision to assets | 0.1978% | 3,105 |
| Net operating income to assets | 0.8414% | 3,188 |
| Return on assets (ROA) | 0.8414% | 3,453 |
| Pretax return on assets | 1.3032% | 2,547 |
| Return on Equity (ROE) | 7.2101% | 3,667 |
| Retained earnings to average equity (ytd only) | 5.4571% | 3,015 |
| Net charge-offs to loans | 0.0882% | 4,269 |
| Credit loss provision to net charge-offs | 352.7027% | 832 |
| Earnings coverage of net charge-offs (x) | 26.7703% | 1,153 |
| Efficiency ratio | 60.7415% | 5,460 |
| Assets per employee ($millions) | 3.6937% | 4,535 |
| Cash dividends to net income (ytd only)* | 24.3134% | 2,840 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7363% | 3,085 |
| Loan loss allowance to noncurrent loans | 81.4774% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 1.7370% | 3,121 |
| Noncurrent loans to loans | 2.1310% | 2,788 |
| Net loans and leases to total assets | 61.7738% | 3,483 |
| Net loans and leases to deposits | 80.0179% | 2,379 |
| Net loans and leases to core deposits | 82.4070% | 2,916 |
| Total domestic deposits to total assets | 77.1999% | 6,297 |
| Equity capital to assets | 11.6327% | 2,463 |
| Core capital (leverage) ratio | 10.1317% | 3,221 |
| Tier 1 risk-based capital ratio | 12.7347% | 5,391 |
| Total risk-based capital ratio | 13.9867% | 5,357 |
| Memoranda: |
| Average total assets | $527,929,670 | 1,284 |
| Average earning assets | $487,965,330 | 1,263 |
| Average equity | $61,607,670 | 1,159 |
| Average total loans | $335,648,330 | 1,267 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9520% | 2,061 |
| Cost of funding earning assets | 0.9247% | 2,478 |
| Net interest margin | 4.0273% | 2,386 |
| Noninterest income to average assets | 0.6403% | 2,982 |
| Noninterest expense to average assets | 2.6873% | 4,468 |
| Loan and lease loss provision to assets | 0.3434% | 1,820 |
| Net operating income to assets | 0.8563% | 3,124 |
| Return on assets (ROA) | 0.8563% | 3,359 |
| Pretax return on assets | 1.3226% | 2,450 |
| Return on Equity (ROE) | 7.3262% | 3,595 |
| Retained earnings to average equity (ytd only) | 6.4447% | 2,718 |
| Net charge-offs to loans | -0.0812% | 6,718 |
| Credit loss provision to net charge-offs | -661.7647% | 5,841 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8366% | 5,933 |
| Assets per employee ($millions) | 3.6934% | 4,667 |
| Cash dividends to net income (ytd only)* | 12.0321% | 2,502 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8060% | 2,974 |
| Loan loss allowance to noncurrent loans | 80.9569% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 1.8084% | 3,163 |
| Noncurrent loans to loans | 2.2308% | 2,887 |
| Net loans and leases to total assets | 60.8144% | 3,488 |
| Net loans and leases to deposits | 78.5843% | 2,400 |
| Net loans and leases to core deposits | 81.2196% | 2,926 |
| Total domestic deposits to total assets | 77.3875% | 6,348 |
| Equity capital to assets | 11.5229% | 2,423 |
| Core capital (leverage) ratio | 10.0121% | 3,355 |
| Tier 1 risk-based capital ratio | 12.8287% | 5,343 |
| Total risk-based capital ratio | 14.0814% | 5,315 |
| Memoranda: |
| Average total assets | $524,102,000 | 1,292 |
| Average earning assets | $483,199,000 | 1,290 |
| Average equity | $61,260,000 | 1,159 |
| Average total loans | $335,124,000 | 1,262 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2185% | 1,994 |
| Cost of funding earning assets | 1.1301% | 2,469 |
| Net interest margin | 4.0884% | 2,478 |
| Noninterest income to average assets | 0.6718% | 2,774 |
| Noninterest expense to average assets | 2.9723% | 3,696 |
| Loan and lease loss provision to assets | 0.4448% | 2,376 |
| Net operating income to assets | 0.6628% | 3,677 |
| Return on assets (ROA) | 0.6646% | 3,851 |
| Pretax return on assets | 1.0207% | 3,165 |
| Return on Equity (ROE) | 5.7169% | 4,019 |
| Retained earnings to average equity (ytd only) | 4.4539% | 3,003 |
| Net charge-offs to loans | 0.7891% | 2,181 |
| Credit loss provision to net charge-offs | 83.5909% | 4,295 |
| Earnings coverage of net charge-offs (x) | 2.7491% | 3,847 |
| Efficiency ratio | 63.4313% | 5,228 |
| Assets per employee ($millions) | 3.5356% | 4,928 |
| Cash dividends to net income (ytd only)* | 22.0913% | 3,444 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6165% | 3,524 |
| Loan loss allowance to noncurrent loans | 67.8107% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 2.0489% | 2,901 |
| Noncurrent loans to loans | 2.3838% | 2,742 |
| Net loans and leases to total assets | 64.9743% | 2,994 |
| Net loans and leases to deposits | 84.2160% | 1,897 |
| Net loans and leases to core deposits | 87.3001% | 2,462 |
| Total domestic deposits to total assets | 77.1519% | 6,320 |
| Equity capital to assets | 11.8617% | 2,225 |
| Core capital (leverage) ratio | 10.0944% | 3,232 |
| Tier 1 risk-based capital ratio | 12.3840% | 5,553 |
| Total risk-based capital ratio | 13.4723% | 5,645 |
| Memoranda: |
| Average total assets | $510,846,400 | 1,308 |
| Average earning assets | $470,207,800 | 1,303 |
| Average equity | $59,385,600 | 1,136 |
| Average total loans | $344,438,400 | 1,233 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1994% | 2,215 |
| Cost of funding earning assets | 1.1780% | 2,460 |
| Net interest margin | 4.0215% | 2,826 |
| Noninterest income to average assets | 0.7215% | 2,475 |
| Noninterest expense to average assets | 2.8827% | 4,005 |
| Loan and lease loss provision to assets | 0.4801% | 2,065 |
| Net operating income to assets | 0.7013% | 3,617 |
| Return on assets (ROA) | 0.7038% | 3,769 |
| Pretax return on assets | 1.0705% | 3,126 |
| Return on Equity (ROE) | 6.0849% | 3,986 |
| Retained earnings to average equity (ytd only) | 5.4073% | 2,904 |
| Net charge-offs to loans | 0.7979% | 1,968 |
| Credit loss provision to net charge-offs | 88.7923% | 3,811 |
| Earnings coverage of net charge-offs (x) | 2.8609% | 3,712 |
| Efficiency ratio | 61.4319% | 5,493 |
| Assets per employee ($millions) | 3.5239% | 4,936 |
| Cash dividends to net income (ytd only)* | 11.1359% | 3,240 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6614% | 3,412 |
| Loan loss allowance to noncurrent loans | 61.0938% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 2.1438% | 2,983 |
| Noncurrent loans to loans | 2.7194% | 2,574 |
| Net loans and leases to total assets | 65.8681% | 2,931 |
| Net loans and leases to deposits | 86.8459% | 1,571 |
| Net loans and leases to core deposits | 92.8421% | 1,901 |
| Total domestic deposits to total assets | 75.8448% | 6,549 |
| Equity capital to assets | 11.8778% | 2,351 |
| Core capital (leverage) ratio | 10.0256% | 3,404 |
| Tier 1 risk-based capital ratio | 12.4066% | 5,574 |
| Total risk-based capital ratio | 13.6584% | 5,562 |
| Memoranda: |
| Average total assets | $510,393,000 | 1,318 |
| Average earning assets | $470,629,500 | 1,305 |
| Average equity | $59,029,500 | 1,146 |
| Average total loans | $345,905,500 | 1,242 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1376% | 2,523 |
| Cost of funding earning assets | 1.2214% | 2,430 |
| Net interest margin | 3.9162% | 3,236 |
| Noninterest income to average assets | 0.7056% | 2,522 |
| Noninterest expense to average assets | 2.8542% | 4,215 |
| Loan and lease loss provision to assets | 0.5394% | 1,809 |
| Net operating income to assets | 0.6025% | 4,055 |
| Return on assets (ROA) | 0.6060% | 4,167 |
| Pretax return on assets | 0.9349% | 3,491 |
| Return on Equity (ROE) | 5.2877% | 4,315 |
| Retained earnings to average equity (ytd only) | 4.2616% | 3,482 |
| Net charge-offs to loans | 0.8389% | 1,824 |
| Credit loss provision to net charge-offs | 94.5055% | 3,321 |
| Earnings coverage of net charge-offs (x) | 2.5735% | 3,539 |
| Efficiency ratio | 62.2688% | 5,549 |
| Assets per employee ($millions) | 3.5694% | 4,753 |
| Cash dividends to net income (ytd only)* | 19.4049% | 2,875 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7156% | 3,272 |
| Loan loss allowance to noncurrent loans | 50.2107% | 5,010 |
| Noncurrent assets plus other real estate owned to assets | 2.3673% | 2,785 |
| Noncurrent loans to loans | 3.4167% | 2,075 |
| Net loans and leases to total assets | 64.6224% | 3,337 |
| Net loans and leases to deposits | 85.0761% | 1,936 |
| Net loans and leases to core deposits | 92.7496% | 2,047 |
| Total domestic deposits to total assets | 75.9584% | 6,603 |
| Equity capital to assets | 11.4938% | 2,506 |
| Core capital (leverage) ratio | 9.6311% | 3,765 |
| Tier 1 risk-based capital ratio | 12.0484% | 5,748 |
| Total risk-based capital ratio | 13.3005% | 5,713 |
| Memoranda: |
| Average total assets | $510,203,330 | 1,319 |
| Average earning assets | $471,269,330 | 1,310 |
| Average equity | $58,475,670 | 1,146 |
| Average total loans | $347,125,000 | 1,251 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1501% | 2,435 |
| Cost of funding earning assets | 1.2749% | 2,336 |
| Net interest margin | 3.8752% | 3,268 |
| Noninterest income to average assets | 0.6570% | 2,797 |
| Noninterest expense to average assets | 2.8689% | 4,196 |
| Loan and lease loss provision to assets | 0.5686% | 1,517 |
| Net operating income to assets | 0.5183% | 4,411 |
| Return on assets (ROA) | 0.5172% | 4,502 |
| Pretax return on assets | 0.7921% | 3,927 |
| Return on Equity (ROE) | 4.5196% | 4,641 |
| Retained earnings to average equity (ytd only) | 4.5196% | 3,459 |
| Net charge-offs to loans | 0.9517% | 1,403 |
| Credit loss provision to net charge-offs | 86.3309% | 3,010 |
| Earnings coverage of net charge-offs (x) | 2.0683% | 3,261 |
| Efficiency ratio | 63.4565% | 5,448 |
| Assets per employee ($millions) | 3.5546% | 4,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6875% | 3,382 |
| Loan loss allowance to noncurrent loans | 57.6996% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 2.2279% | 3,032 |
| Noncurrent loans to loans | 2.9246% | 2,568 |
| Net loans and leases to total assets | 65.6048% | 3,110 |
| Net loans and leases to deposits | 84.6574% | 1,934 |
| Net loans and leases to core deposits | 93.7349% | 1,920 |
| Total domestic deposits to total assets | 77.4944% | 6,451 |
| Equity capital to assets | 11.3008% | 2,417 |
| Core capital (leverage) ratio | 9.5798% | 3,689 |
| Tier 1 risk-based capital ratio | 11.9372% | 5,748 |
| Total risk-based capital ratio | 13.1896% | 5,735 |
| Memoranda: |
| Average total assets | $506,527,000 | 1,330 |
| Average earning assets | $467,174,500 | 1,324 |
| Average equity | $57,970,000 | 1,142 |
| Average total loans | $350,540,000 | 1,252 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6648% | 1,698 |
| Cost of funding earning assets | 1.5802% | 2,187 |
| Net interest margin | 4.0846% | 2,641 |
| Noninterest income to average assets | 0.8024% | 2,269 |
| Noninterest expense to average assets | 3.0818% | 3,536 |
| Loan and lease loss provision to assets | 0.8264% | 1,987 |
| Net operating income to assets | 0.4233% | 4,442 |
| Return on assets (ROA) | 0.5409% | 4,071 |
| Pretax return on assets | 0.8301% | 3,532 |
| Return on Equity (ROE) | 4.7697% | 4,170 |
| Retained earnings to average equity (ytd only) | 2.6748% | 3,983 |
| Net charge-offs to loans | 1.0765% | 2,063 |
| Credit loss provision to net charge-offs | 106.5392% | 4,186 |
| Earnings coverage of net charge-offs (x) | 1.9020% | 4,299 |
| Efficiency ratio | 63.6736% | 5,407 |
| Assets per employee ($millions) | 3.4319% | 5,103 |
| Cash dividends to net income (ytd only)* | 43.9214% | 2,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6571% | 3,370 |
| Loan loss allowance to noncurrent loans | 45.5581% | 5,287 |
| Noncurrent assets plus other real estate owned to assets | 2.8384% | 2,470 |
| Noncurrent loans to loans | 3.6373% | 2,054 |
| Net loans and leases to total assets | 70.5776% | 2,396 |
| Net loans and leases to deposits | 91.6381% | 1,302 |
| Net loans and leases to core deposits | 100.9967% | 1,535 |
| Total domestic deposits to total assets | 77.0177% | 6,477 |
| Equity capital to assets | 11.5935% | 2,188 |
| Core capital (leverage) ratio | 9.5921% | 3,567 |
| Tier 1 risk-based capital ratio | 11.4902% | 5,920 |
| Total risk-based capital ratio | 12.7424% | 5,917 |
| Memoranda: |
| Average total assets | $498,764,000 | 1,348 |
| Average earning assets | $458,497,400 | 1,336 |
| Average equity | $56,565,400 | 1,172 |
| Average total loans | $359,412,000 | 1,248 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6692% | 1,815 |
| Cost of funding earning assets | 1.6235% | 2,257 |
| Net interest margin | 4.0456% | 2,878 |
| Noninterest income to average assets | 0.7676% | 2,402 |
| Noninterest expense to average assets | 2.8205% | 4,401 |
| Loan and lease loss provision to assets | 0.8950% | 1,698 |
| Net operating income to assets | 0.5028% | 4,302 |
| Return on assets (ROA) | 0.5116% | 4,453 |
| Pretax return on assets | 0.7825% | 3,974 |
| Return on Equity (ROE) | 4.5364% | 4,538 |
| Retained earnings to average equity (ytd only) | 1.7293% | 5,098 |
| Net charge-offs to loans | 1.2478% | 1,632 |
| Credit loss provision to net charge-offs | 99.4360% | 4,387 |
| Earnings coverage of net charge-offs (x) | 1.8486% | 4,324 |
| Efficiency ratio | 59.0051% | 6,104 |
| Assets per employee ($millions) | 3.4762% | 5,036 |
| Cash dividends to net income (ytd only)* | 61.8799% | 1,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5770% | 3,630 |
| Loan loss allowance to noncurrent loans | 45.3713% | 5,249 |
| Noncurrent assets plus other real estate owned to assets | 3.0104% | 2,410 |
| Noncurrent loans to loans | 3.4757% | 2,286 |
| Net loans and leases to total assets | 69.9103% | 2,750 |
| Net loans and leases to deposits | 92.0995% | 1,432 |
| Net loans and leases to core deposits | 101.6949% | 1,686 |
| Total domestic deposits to total assets | 75.9074% | 6,675 |
| Equity capital to assets | 11.3899% | 2,613 |
| Core capital (leverage) ratio | 9.5139% | 3,881 |
| Tier 1 risk-based capital ratio | 11.2373% | 6,150 |
| Total risk-based capital ratio | 12.4886% | 6,152 |
| Memoranda: |
| Average total assets | $499,047,250 | 1,357 |
| Average earning assets | $458,491,250 | 1,349 |
| Average equity | $56,283,500 | 1,179 |
| Average total loans | $359,981,500 | 1,259 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6311% | 2,020 |
| Cost of funding earning assets | 1.6414% | 2,428 |
| Net interest margin | 3.9897% | 3,067 |
| Noninterest income to average assets | 0.7105% | 2,644 |
| Noninterest expense to average assets | 2.8003% | 4,478 |
| Loan and lease loss provision to assets | 0.9639% | 1,517 |
| Net operating income to assets | 0.4045% | 4,735 |
| Return on assets (ROA) | 0.4045% | 4,897 |
| Pretax return on assets | 0.6096% | 4,542 |
| Return on Equity (ROE) | 3.5988% | 4,963 |
| Retained earnings to average equity (ytd only) | -0.6403% | 5,887 |
| Net charge-offs to loans | 1.3615% | 1,402 |
| Credit loss provision to net charge-offs | 97.6375% | 4,192 |
| Earnings coverage of net charge-offs (x) | 1.5939% | 4,301 |
| Efficiency ratio | 60.1177% | 6,025 |
| Assets per employee ($millions) | 3.4460% | 5,056 |
| Cash dividends to net income (ytd only)* | 117.7932% | 303 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5737% | 3,568 |
| Loan loss allowance to noncurrent loans | 46.6395% | 5,191 |
| Noncurrent assets plus other real estate owned to assets | 2.9758% | 2,400 |
| Noncurrent loans to loans | 3.3742% | 2,368 |
| Net loans and leases to total assets | 70.1835% | 2,862 |
| Net loans and leases to deposits | 91.0234% | 1,688 |
| Net loans and leases to core deposits | 106.0804% | 1,434 |
| Total domestic deposits to total assets | 77.1049% | 6,479 |
| Equity capital to assets | 11.2500% | 2,637 |
| Core capital (leverage) ratio | 9.2977% | 4,125 |
| Tier 1 risk-based capital ratio | 11.0048% | 6,230 |
| Total risk-based capital ratio | 12.2560% | 6,218 |
| Memoranda: |
| Average total assets | $497,379,670 | 1,366 |
| Average earning assets | $456,677,000 | 1,360 |
| Average equity | $55,907,670 | 1,179 |
| Average total loans | $360,632,330 | 1,269 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6377% | 1,993 |
| Cost of funding earning assets | 1.6560% | 2,619 |
| Net interest margin | 3.9817% | 2,947 |
| Noninterest income to average assets | 0.6424% | 2,978 |
| Noninterest expense to average assets | 2.8229% | 4,397 |
| Loan and lease loss provision to assets | 1.4308% | 827 |
| Net operating income to assets | 0.0500% | 6,161 |
| Return on assets (ROA) | 0.0500% | 6,272 |
| Pretax return on assets | 0.0459% | 6,268 |
| Return on Equity (ROE) | 0.4448% | 6,289 |
| Retained earnings to average equity (ytd only) | -3.7521% | 6,470 |
| Net charge-offs to loans | 2.4355% | 680 |
| Credit loss provision to net charge-offs | 80.3531% | 3,871 |
| Earnings coverage of net charge-offs (x) | 0.8293% | 4,303 |
| Efficiency ratio | 61.7360% | 5,880 |
| Assets per employee ($millions) | 3.4145% | 5,249 |
| Cash dividends to net income (ytd only)* | 943.5484% | 24 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4794% | 4,015 |
| Loan loss allowance to noncurrent loans | 50.8555% | 4,936 |
| Noncurrent assets plus other real estate owned to assets | 2.3712% | 3,059 |
| Noncurrent loans to loans | 2.9090% | 2,772 |
| Net loans and leases to total assets | 70.3604% | 2,841 |
| Net loans and leases to deposits | 90.6835% | 1,801 |
| Net loans and leases to core deposits | 105.9654% | 1,578 |
| Total domestic deposits to total assets | 77.5890% | 6,430 |
| Equity capital to assets | 11.2029% | 2,589 |
| Core capital (leverage) ratio | 9.2759% | 4,094 |
| Tier 1 risk-based capital ratio | 10.7986% | 6,345 |
| Total risk-based capital ratio | 12.0487% | 6,327 |
| Memoranda: |
| Average total assets | $496,234,500 | 1,400 |
| Average earning assets | $455,785,500 | 1,390 |
| Average equity | $55,755,000 | 1,194 |
| Average total loans | $362,802,000 | 1,301 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1176% | 1,469 |
| Cost of funding earning assets | 1.9999% | 2,967 |
| Net interest margin | 4.1178% | 2,372 |
| Noninterest income to average assets | 0.8480% | 2,190 |
| Noninterest expense to average assets | 2.9806% | 4,234 |
| Loan and lease loss provision to assets | 0.8689% | 2,571 |
| Net operating income to assets | 0.5438% | 3,556 |
| Return on assets (ROA) | 0.5438% | 3,642 |
| Pretax return on assets | 0.8115% | 3,202 |
| Return on Equity (ROE) | 4.8526% | 3,738 |
| Retained earnings to average equity (ytd only) | 1.3494% | 4,108 |
| Net charge-offs to loans | 0.7534% | 2,938 |
| Credit loss provision to net charge-offs | 153.3853% | 2,986 |
| Earnings coverage of net charge-offs (x) | 2.9663% | 3,596 |
| Efficiency ratio | 59.1745% | 6,597 |
| Assets per employee ($millions) | 3.4301% | 5,180 |
| Cash dividends to net income (ytd only)* | 72.1935% | 1,477 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5228% | 3,608 |
| Loan loss allowance to noncurrent loans | 62.5345% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 2.0014% | 3,397 |
| Noncurrent loans to loans | 2.4351% | 3,116 |
| Net loans and leases to total assets | 73.6583% | 2,347 |
| Net loans and leases to deposits | 94.4554% | 1,540 |
| Net loans and leases to core deposits | 118.2194% | 2,104 |
| Total domestic deposits to total assets | 77.9821% | 6,224 |
| Equity capital to assets | 11.2682% | 2,485 |
| Core capital (leverage) ratio | 9.3297% | 3,930 |
| Tier 1 risk-based capital ratio | 10.4335% | 6,462 |
| Total risk-based capital ratio | 11.6842% | 6,434 |
| Memoranda: |
| Average total assets | $497,987,600 | 1,382 |
| Average earning assets | $461,125,400 | 1,364 |
| Average equity | $55,804,600 | 1,178 |
| Average total loans | $374,433,000 | 1,283 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1456% | 1,505 |
| Cost of funding earning assets | 2.0570% | 3,085 |
| Net interest margin | 4.0886% | 2,450 |
| Noninterest income to average assets | 0.8597% | 2,153 |
| Noninterest expense to average assets | 2.8462% | 4,691 |
| Loan and lease loss provision to assets | 0.8961% | 2,148 |
| Net operating income to assets | 0.6084% | 3,584 |
| Return on assets (ROA) | 0.6084% | 3,633 |
| Pretax return on assets | 0.9106% | 3,193 |
| Return on Equity (ROE) | 5.4365% | 3,768 |
| Retained earnings to average equity (ytd only) | 2.1359% | 4,132 |
| Net charge-offs to loans | 0.8408% | 2,280 |
| Credit loss provision to net charge-offs | 141.5645% | 3,465 |
| Earnings coverage of net charge-offs (x) | 2.8541% | 3,795 |
| Efficiency ratio | 56.0861% | 6,988 |
| Assets per employee ($millions) | 3.4354% | 5,086 |
| Cash dividends to net income (ytd only)* | 60.7126% | 1,573 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3784% | 4,074 |
| Loan loss allowance to noncurrent loans | 50.1659% | 4,973 |
| Noncurrent assets plus other real estate owned to assets | 2.1109% | 3,197 |
| Noncurrent loans to loans | 2.7477% | 2,762 |
| Net loans and leases to total assets | 73.8537% | 2,571 |
| Net loans and leases to deposits | 96.9195% | 1,457 |
| Net loans and leases to core deposits | 124.8687% | 1,829 |
| Total domestic deposits to total assets | 76.2011% | 6,548 |
| Equity capital to assets | 11.3184% | 2,731 |
| Core capital (leverage) ratio | 9.3037% | 4,184 |
| Tier 1 risk-based capital ratio | 10.8238% | 6,130 |
| Total risk-based capital ratio | 12.0551% | 6,117 |
| Memoranda: |
| Average total assets | $498,143,500 | 1,400 |
| Average earning assets | $462,153,250 | 1,378 |
| Average equity | $55,744,750 | 1,195 |
| Average total loans | $375,037,500 | 1,294 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1791% | 1,528 |
| Cost of funding earning assets | 2.1200% | 3,187 |
| Net interest margin | 4.0590% | 2,470 |
| Noninterest income to average assets | 0.8146% | 2,339 |
| Noninterest expense to average assets | 2.8907% | 4,534 |
| Loan and lease loss provision to assets | 1.0366% | 1,636 |
| Net operating income to assets | 0.4412% | 4,330 |
| Return on assets (ROA) | 0.4412% | 4,439 |
| Pretax return on assets | 0.6584% | 4,135 |
| Return on Equity (ROE) | 3.9580% | 4,514 |
| Retained earnings to average equity (ytd only) | 0.2305% | 5,121 |
| Net charge-offs to loans | 0.1831% | 4,422 |
| Credit loss provision to net charge-offs | 750.5814% | 622 |
| Earnings coverage of net charge-offs (x) | 12.2733% | 1,834 |
| Efficiency ratio | 57.5643% | 6,933 |
| Assets per employee ($millions) | 3.3798% | 5,115 |
| Cash dividends to net income (ytd only)* | 94.1765% | 815 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6677% | 2,457 |
| Loan loss allowance to noncurrent loans | 59.5347% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 2.2735% | 2,865 |
| Noncurrent loans to loans | 2.8013% | 2,574 |
| Net loans and leases to total assets | 76.9631% | 1,955 |
| Net loans and leases to deposits | 98.7139% | 1,431 |
| Net loans and leases to core deposits | 123.8642% | 2,039 |
| Total domestic deposits to total assets | 77.9658% | 6,082 |
| Equity capital to assets | 11.3304% | 2,652 |
| Core capital (leverage) ratio | 9.0634% | 4,529 |
| Tier 1 risk-based capital ratio | 10.4492% | 6,428 |
| Total risk-based capital ratio | 11.7333% | 6,339 |
| Memoranda: |
| Average total assets | $498,146,000 | 1,423 |
| Average earning assets | $462,820,670 | 1,398 |
| Average equity | $55,532,670 | 1,213 |
| Average total loans | $375,705,330 | 1,320 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1023% | 1,934 |
| Cost of funding earning assets | 2.1650% | 3,344 |
| Net interest margin | 3.9373% | 2,898 |
| Noninterest income to average assets | 0.7854% | 2,400 |
| Noninterest expense to average assets | 2.8014% | 4,556 |
| Loan and lease loss provision to assets | 0.5281% | 2,357 |
| Net operating income to assets | 0.7296% | 3,425 |
| Return on assets (ROA) | 0.7296% | 3,622 |
| Pretax return on assets | 1.1207% | 2,907 |
| Return on Equity (ROE) | 6.5976% | 3,784 |
| Retained earnings to average equity (ytd only) | 2.9243% | 4,241 |
| Net charge-offs to loans | 0.1119% | 4,074 |
| Credit loss provision to net charge-offs | 637.5000% | 902 |
| Earnings coverage of net charge-offs (x) | 19.9038% | 1,399 |
| Efficiency ratio | 56.2914% | 6,930 |
| Assets per employee ($millions) | 3.4925% | 4,842 |
| Cash dividends to net income (ytd only)* | 55.6769% | 1,591 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2517% | 4,416 |
| Loan loss allowance to noncurrent loans | 88.9350% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 1.0770% | 4,538 |
| Noncurrent loans to loans | 1.4074% | 4,203 |
| Net loans and leases to total assets | 73.5009% | 2,886 |
| Net loans and leases to deposits | 95.2385% | 2,075 |
| Net loans and leases to core deposits | 121.9009% | 2,265 |
| Total domestic deposits to total assets | 77.1756% | 6,232 |
| Equity capital to assets | 11.0053% | 2,955 |
| Core capital (leverage) ratio | 9.0421% | 4,632 |
| Tier 1 risk-based capital ratio | 10.5598% | 6,332 |
| Total risk-based capital ratio | 11.6836% | 6,369 |
| Memoranda: |
| Average total assets | $502,183,500 | 1,414 |
| Average earning assets | $467,430,500 | 1,393 |
| Average equity | $55,535,500 | 1,224 |
| Average total loans | $371,772,500 | 1,356 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.8989% | 1,402 |
| Cost of funding earning assets | 2.7008% | 3,150 |
| Net interest margin | 4.1982% | 2,316 |
| Noninterest income to average assets | 0.7264% | 2,933 |
| Noninterest expense to average assets | 2.8814% | 4,511 |
| Loan and lease loss provision to assets | 0.3327% | 3,730 |
| Net operating income to assets | 0.8985% | 3,002 |
| Return on assets (ROA) | 0.8985% | 2,846 |
| Pretax return on assets | 1.3695% | 2,057 |
| Return on Equity (ROE) | 8.1089% | 3,027 |
| Retained earnings to average equity (ytd only) | 2.3011% | 3,775 |
| Net charge-offs to loans | 0.3904% | 2,868 |
| Credit loss provision to net charge-offs | 118.9405% | 4,531 |
| Earnings coverage of net charge-offs (x) | 6.0849% | 3,443 |
| Efficiency ratio | 57.7642% | 6,739 |
| Assets per employee ($millions) | 3.4342% | 4,846 |
| Cash dividends to net income (ytd only)* | 71.6222% | 2,100 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1344% | 5,024 |
| Loan loss allowance to noncurrent loans | 99.1655% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 0.8720% | 4,676 |
| Noncurrent loans to loans | 1.1440% | 4,257 |
| Net loans and leases to total assets | 72.7878% | 3,415 |
| Net loans and leases to deposits | 90.3710% | 3,391 |
| Net loans and leases to core deposits | 116.7848% | 3,027 |
| Total domestic deposits to total assets | 80.5433% | 4,824 |
| Equity capital to assets | 11.1132% | 2,952 |
| Core capital (leverage) ratio | 8.9063% | 4,877 |
| Tier 1 risk-based capital ratio | 10.4243% | 6,290 |
| Total risk-based capital ratio | 11.4375% | 6,399 |
| Memoranda: |
| Average total assets | $492,577,000 | 1,379 |
| Average earning assets | $452,577,600 | 1,372 |
| Average equity | $54,582,000 | 1,232 |
| Average total loans | $352,928,200 | 1,377 |
