| 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 | 5.5810% | 1,053 |
| Cost of funding earning assets | 2.1214% | 743 |
| Net interest margin | 3.4596% | 2,276 |
| Noninterest income to average assets | 0.7900% | 968 |
| Noninterest expense to average assets | 2.6378% | 1,898 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.0784% | 1,976 |
| Return on assets (ROA) | 1.0698% | 1,981 |
| Pretax return on assets | 1.2885% | 1,902 |
| Return on Equity (ROE) | 13.7900% | 1,531 |
| Retained earnings to average equity (ytd only) | 11.2505% | 740 |
| Net charge-offs to loans | 0.0039% | 2,600 |
| Credit loss provision to net charge-offs | 747.7273% | 505 |
| Earnings coverage of net charge-offs (x) | 435.8864% | 326 |
| Efficiency ratio | 66.1657% | 2,336 |
| Assets per employee ($millions) | 6.5337% | 2,399 |
| Cash dividends to net income (ytd only)* | 18.4077% | 2,990 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6117% | 4,227 |
| Loan loss allowance to noncurrent loans | 1,079.3991% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.0453% | 3,290 |
| Noncurrent loans to loans | 0.0567% | 3,310 |
| Net loans and leases to total assets | 79.5100% | 697 |
| Net loans and leases to deposits | 103.6449% | 377 |
| Net loans and leases to core deposits | 118.7712% | 660 |
| Total domestic deposits to total assets | 76.7100% | 3,871 |
| Equity capital to assets | 8.0627% | 3,370 |
| Core capital (leverage) ratio | 8.9106% | 3,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6148% | 2,866 |
| Memoranda: |
| Average total assets | $1,421,869,800 | 744 |
| Average earning assets | $1,314,545,800 | 734 |
| Average equity | $110,315,200 | 883 |
| Average total loans | $1,119,496,800 | 665 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4765% | 1,043 |
| Cost of funding earning assets | 1.9789% | 729 |
| Net interest margin | 3.4976% | 2,213 |
| Noninterest income to average assets | 0.8300% | 883 |
| Noninterest expense to average assets | 2.7061% | 1,638 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.1103% | 2,019 |
| Return on assets (ROA) | 1.0805% | 2,102 |
| Pretax return on assets | 1.2995% | 2,044 |
| Return on Equity (ROE) | 14.0800% | 1,635 |
| Retained earnings to average equity (ytd only) | 11.4577% | 1,078 |
| Net charge-offs to loans | 0.0006% | 2,636 |
| Credit loss provision to net charge-offs | -1,740.0000% | 4,610 |
| Earnings coverage of net charge-offs (x) | 2,815.8000% | 42 |
| Efficiency ratio | 66.7383% | 2,188 |
| Assets per employee ($millions) | 6.1135% | 2,646 |
| Cash dividends to net income (ytd only)* | 18.6187% | 2,506 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6190% | 4,243 |
| Loan loss allowance to noncurrent loans | 1,182.8383% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.0910% | 2,971 |
| Noncurrent loans to loans | 0.0523% | 3,381 |
| Net loans and leases to total assets | 78.1100% | 867 |
| Net loans and leases to deposits | 101.7826% | 440 |
| Net loans and leases to core deposits | 116.2812% | 651 |
| Total domestic deposits to total assets | 76.7400% | 3,952 |
| Equity capital to assets | 7.7078% | 3,240 |
| Core capital (leverage) ratio | 8.8775% | 3,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6320% | 2,875 |
| Memoranda: |
| Average total assets | $1,391,851,250 | 754 |
| Average earning assets | $1,284,428,750 | 748 |
| Average equity | $106,813,250 | 902 |
| Average total loans | $1,090,988,250 | 680 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3543% | 1,011 |
| Cost of funding earning assets | 1.7931% | 742 |
| Net interest margin | 3.5612% | 2,128 |
| Noninterest income to average assets | 0.8000% | 859 |
| Noninterest expense to average assets | 2.7310% | 1,575 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.1216% | 2,054 |
| Return on assets (ROA) | 1.0824% | 2,162 |
| Pretax return on assets | 1.2970% | 2,089 |
| Return on Equity (ROE) | 14.1300% | 1,648 |
| Retained earnings to average equity (ytd only) | 11.4495% | 1,087 |
| Net charge-offs to loans | 0.0009% | 2,398 |
| Credit loss provision to net charge-offs | -1,960.0000% | 4,638 |
| Earnings coverage of net charge-offs (x) | 1,851.4000% | 71 |
| Efficiency ratio | 66.8113% | 2,132 |
| Assets per employee ($millions) | 6.2440% | 2,511 |
| Cash dividends to net income (ytd only)* | 18.9548% | 2,480 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6408% | 4,255 |
| Loan loss allowance to noncurrent loans | 1,101.0769% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.1087% | 2,783 |
| Noncurrent loans to loans | 0.0582% | 3,280 |
| Net loans and leases to total assets | 77.9600% | 839 |
| Net loans and leases to deposits | 101.3413% | 458 |
| Net loans and leases to core deposits | 115.0251% | 652 |
| Total domestic deposits to total assets | 76.9200% | 3,959 |
| Equity capital to assets | 7.7832% | 3,359 |
| Core capital (leverage) ratio | 8.7468% | 3,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7561% | 2,878 |
| Memoranda: |
| Average total assets | $1,364,684,333 | 758 |
| Average earning assets | $1,259,073,000 | 750 |
| Average equity | $104,563,333 | 908 |
| Average total loans | $1,068,645,000 | 676 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1926% | 962 |
| Cost of funding earning assets | 1.5897% | 710 |
| Net interest margin | 3.6029% | 2,122 |
| Noninterest income to average assets | 0.9000% | 683 |
| Noninterest expense to average assets | 2.8029% | 1,429 |
| Loan and lease loss provision to assets | -0.0200% | 4,456 |
| Net operating income to assets | 1.1990% | 1,934 |
| Return on assets (ROA) | 1.1210% | 2,130 |
| Pretax return on assets | 1.3421% | 2,049 |
| Return on Equity (ROE) | 14.7600% | 1,607 |
| Retained earnings to average equity (ytd only) | 11.9949% | 1,270 |
| Net charge-offs to loans | 0.0011% | 2,012 |
| Credit loss provision to net charge-offs | -5,033.3333% | 4,682 |
| Earnings coverage of net charge-offs (x) | 1,575.3333% | 53 |
| Efficiency ratio | 66.4394% | 2,162 |
| Assets per employee ($millions) | 6.1140% | 2,669 |
| Cash dividends to net income (ytd only)* | 18.7066% | 2,010 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6674% | 4,283 |
| Loan loss allowance to noncurrent loans | 1,129.8887% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.1109% | 2,748 |
| Noncurrent loans to loans | 0.0591% | 3,309 |
| Net loans and leases to total assets | 76.8900% | 884 |
| Net loans and leases to deposits | 98.3148% | 522 |
| Net loans and leases to core deposits | 112.6964% | 624 |
| Total domestic deposits to total assets | 78.2100% | 3,983 |
| Equity capital to assets | 7.6720% | 3,461 |
| Core capital (leverage) ratio | 8.6489% | 4,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5307% | 2,997 |
| Memoranda: |
| Average total assets | $1,335,208,000 | 786 |
| Average earning assets | $1,231,440,000 | 783 |
| Average equity | $101,443,000 | 940 |
| Average total loans | $1,044,486,500 | 701 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0633% | 1,555 |
| Cost of funding earning assets | 0.6448% | 737 |
| Net interest margin | 3.4185% | 2,188 |
| Noninterest income to average assets | 0.8800% | 826 |
| Noninterest expense to average assets | 2.7469% | 1,446 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0832% | 2,246 |
| Return on assets (ROA) | 1.0983% | 2,116 |
| Pretax return on assets | 1.3106% | 2,054 |
| Return on Equity (ROE) | 14.9200% | 1,270 |
| Retained earnings to average equity (ytd only) | 11.8803% | 692 |
| Net charge-offs to loans | 0.0238% | 1,582 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 71.8444% | 1,145 |
| Efficiency ratio | 67.9990% | 1,965 |
| Assets per employee ($millions) | 5.5096% | 3,208 |
| Cash dividends to net income (ytd only)* | 20.3874% | 2,881 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0091% | 3,314 |
| Loan loss allowance to noncurrent loans | 1,390.9825% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.1267% | 2,643 |
| Noncurrent loans to loans | 0.0725% | 3,243 |
| Net loans and leases to total assets | 78.3000% | 770 |
| Net loans and leases to deposits | 96.7597% | 600 |
| Net loans and leases to core deposits | 108.0532% | 672 |
| Total domestic deposits to total assets | 80.9200% | 3,771 |
| Equity capital to assets | 7.5184% | 3,375 |
| Core capital (leverage) ratio | 8.3876% | 4,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7137% | 3,008 |
| Memoranda: |
| Average total assets | $1,250,483,200 | 824 |
| Average earning assets | $1,157,491,800 | 820 |
| Average equity | $92,034,800 | 1,009 |
| Average total loans | $945,711,400 | 722 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7604% | 1,858 |
| Cost of funding earning assets | 0.4613% | 926 |
| Net interest margin | 3.2991% | 2,298 |
| Noninterest income to average assets | 0.8900% | 844 |
| Noninterest expense to average assets | 2.6916% | 1,491 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0570% | 2,265 |
| Return on assets (ROA) | 1.0669% | 2,180 |
| Pretax return on assets | 1.2723% | 2,134 |
| Return on Equity (ROE) | 14.5800% | 1,267 |
| Retained earnings to average equity (ytd only) | 11.4916% | 920 |
| Net charge-offs to loans | -0.0164% | 3,913 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.1066% | 2,002 |
| Assets per employee ($millions) | 5.6551% | 3,072 |
| Cash dividends to net income (ytd only)* | 21.1736% | 2,418 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0782% | 3,113 |
| Loan loss allowance to noncurrent loans | 837.1765% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.1845% | 2,368 |
| Noncurrent loans to loans | 0.1288% | 2,990 |
| Net loans and leases to total assets | 76.2900% | 880 |
| Net loans and leases to deposits | 92.7848% | 714 |
| Net loans and leases to core deposits | 103.5080% | 672 |
| Total domestic deposits to total assets | 82.2200% | 3,806 |
| Equity capital to assets | 7.1676% | 3,423 |
| Core capital (leverage) ratio | 8.3830% | 4,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7546% | 3,078 |
| Memoranda: |
| Average total assets | $1,239,414,500 | 834 |
| Average earning assets | $1,148,924,500 | 826 |
| Average equity | $90,707,250 | 1,035 |
| Average total loans | $926,103,750 | 733 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5169% | 2,082 |
| Cost of funding earning assets | 0.3817% | 1,039 |
| Net interest margin | 3.1352% | 2,422 |
| Noninterest income to average assets | 0.8995% | 850 |
| Noninterest expense to average assets | 2.6509% | 1,503 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9819% | 2,219 |
| Return on assets (ROA) | 0.9714% | 2,233 |
| Pretax return on assets | 1.1509% | 2,239 |
| Return on Equity (ROE) | 13.1779% | 1,334 |
| Retained earnings to average equity (ytd only) | 10.0761% | 995 |
| Net charge-offs to loans | -0.0267% | 4,004 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4982% | 2,029 |
| Assets per employee ($millions) | 5.4971% | 3,232 |
| Cash dividends to net income (ytd only)* | 23.5373% | 2,331 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1394% | 2,988 |
| Loan loss allowance to noncurrent loans | 927.1701% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.1679% | 2,527 |
| Noncurrent loans to loans | 0.1229% | 3,110 |
| Net loans and leases to total assets | 75.9387% | 734 |
| Net loans and leases to deposits | 91.6770% | 626 |
| Net loans and leases to core deposits | 101.9496% | 596 |
| Total domestic deposits to total assets | 82.8329% | 3,897 |
| Equity capital to assets | 7.1759% | 3,677 |
| Core capital (leverage) ratio | 7.9038% | 4,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4376% | 3,071 |
| Memoranda: |
| Average total assets | $1,224,652,000 | 839 |
| Average earning assets | $1,138,543,667 | 839 |
| Average equity | $90,272,667 | 1,050 |
| Average total loans | $904,817,667 | 733 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3315% | 2,290 |
| Cost of funding earning assets | 0.3725% | 1,039 |
| Net interest margin | 2.9590% | 2,641 |
| Noninterest income to average assets | 0.9279% | 798 |
| Noninterest expense to average assets | 2.5885% | 1,643 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9286% | 2,161 |
| Return on assets (ROA) | 0.9345% | 2,128 |
| Pretax return on assets | 1.1047% | 2,128 |
| Return on Equity (ROE) | 12.5121% | 1,155 |
| Retained earnings to average equity (ytd only) | 9.4561% | 1,154 |
| Net charge-offs to loans | 0.0023% | 1,735 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 673.4000% | 146 |
| Efficiency ratio | 70.2194% | 2,198 |
| Assets per employee ($millions) | 5.7451% | 3,063 |
| Cash dividends to net income (ytd only)* | 24.4243% | 1,894 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1692% | 3,007 |
| Loan loss allowance to noncurrent loans | 995.7547% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.1592% | 2,687 |
| Noncurrent loans to loans | 0.1174% | 3,239 |
| Net loans and leases to total assets | 72.5670% | 784 |
| Net loans and leases to deposits | 86.6363% | 700 |
| Net loans and leases to core deposits | 93.7336% | 744 |
| Total domestic deposits to total assets | 83.7605% | 3,809 |
| Equity capital to assets | 7.3025% | 4,047 |
| Core capital (leverage) ratio | 7.6653% | 4,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7350% | 3,065 |
| Memoranda: |
| Average total assets | $1,226,802,000 | 839 |
| Average earning assets | $1,143,643,000 | 840 |
| Average equity | $91,623,500 | 1,070 |
| Average total loans | $888,526,000 | 737 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6556% | 2,236 |
| Cost of funding earning assets | 0.4662% | 1,090 |
| Net interest margin | 3.1893% | 2,630 |
| Noninterest income to average assets | 0.9136% | 1,169 |
| Noninterest expense to average assets | 2.7603% | 1,455 |
| Loan and lease loss provision to assets | 0.0671% | 1,730 |
| Net operating income to assets | 0.9106% | 2,997 |
| Return on assets (ROA) | 0.9265% | 3,016 |
| Pretax return on assets | 1.0684% | 3,069 |
| Return on Equity (ROE) | 11.9872% | 1,821 |
| Retained earnings to average equity (ytd only) | 8.8684% | 1,243 |
| Net charge-offs to loans | -0.0011% | 3,290 |
| Credit loss provision to net charge-offs | -8,666.6667% | 4,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1853% | 1,593 |
| Assets per employee ($millions) | 5.4895% | 3,267 |
| Cash dividends to net income (ytd only)* | 26.0175% | 2,743 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2078% | 2,852 |
| Loan loss allowance to noncurrent loans | 1,089.7833% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.1524% | 2,876 |
| Noncurrent loans to loans | 0.1108% | 3,375 |
| Net loans and leases to total assets | 70.5599% | 978 |
| Net loans and leases to deposits | 85.3773% | 832 |
| Net loans and leases to core deposits | 92.2506% | 864 |
| Total domestic deposits to total assets | 82.6448% | 3,874 |
| Equity capital to assets | 7.6352% | 4,540 |
| Core capital (leverage) ratio | 7.5270% | 4,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8660% | 3,057 |
| Memoranda: |
| Average total assets | $1,161,609,400 | 856 |
| Average earning assets | $1,079,531,400 | 848 |
| Average equity | $89,779,400 | 1,104 |
| Average total loans | $832,172,000 | 772 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7474% | 2,154 |
| Cost of funding earning assets | 0.4880% | 1,114 |
| Net interest margin | 3.2595% | 2,550 |
| Noninterest income to average assets | 0.9735% | 1,116 |
| Noninterest expense to average assets | 2.8202% | 1,296 |
| Loan and lease loss provision to assets | 0.0908% | 1,320 |
| Net operating income to assets | 0.9250% | 3,165 |
| Return on assets (ROA) | 0.9478% | 3,169 |
| Pretax return on assets | 1.1155% | 3,168 |
| Return on Equity (ROE) | 12.2230% | 1,969 |
| Retained earnings to average equity (ytd only) | 9.0720% | 1,665 |
| Net charge-offs to loans | -0.0029% | 3,293 |
| Credit loss provision to net charge-offs | -4,333.3333% | 4,113 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5102% | 1,551 |
| Assets per employee ($millions) | 5.3531% | 3,347 |
| Cash dividends to net income (ytd only)* | 25.7795% | 2,288 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2277% | 2,851 |
| Loan loss allowance to noncurrent loans | 1,467.9167% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.1361% | 3,206 |
| Noncurrent loans to loans | 0.0836% | 3,665 |
| Net loans and leases to total assets | 71.5513% | 914 |
| Net loans and leases to deposits | 87.1322% | 758 |
| Net loans and leases to core deposits | 93.3412% | 856 |
| Total domestic deposits to total assets | 82.1181% | 3,909 |
| Equity capital to assets | 7.7243% | 4,640 |
| Core capital (leverage) ratio | 7.8129% | 4,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1327% | 3,080 |
| Memoranda: |
| Average total assets | $1,145,972,750 | 873 |
| Average earning assets | $1,063,995,250 | 868 |
| Average equity | $88,857,500 | 1,130 |
| Average total loans | $821,634,250 | 800 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8751% | 1,883 |
| Cost of funding earning assets | 0.5176% | 1,106 |
| Net interest margin | 3.3575% | 2,278 |
| Noninterest income to average assets | 0.9872% | 1,095 |
| Noninterest expense to average assets | 2.8679% | 1,218 |
| Loan and lease loss provision to assets | 0.0884% | 1,399 |
| Net operating income to assets | 0.9738% | 2,984 |
| Return on assets (ROA) | 1.0085% | 2,945 |
| Pretax return on assets | 1.1894% | 2,941 |
| Return on Equity (ROE) | 12.9884% | 1,723 |
| Retained earnings to average equity (ytd only) | 9.8022% | 1,460 |
| Net charge-offs to loans | -0.0012% | 3,113 |
| Credit loss provision to net charge-offs | -10,000.0000% | 4,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8666% | 1,656 |
| Assets per employee ($millions) | 5.1380% | 3,525 |
| Cash dividends to net income (ytd only)* | 24.5313% | 2,322 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2040% | 2,915 |
| Loan loss allowance to noncurrent loans | 1,631.1111% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.1327% | 3,353 |
| Noncurrent loans to loans | 0.0738% | 3,814 |
| Net loans and leases to total assets | 73.2633% | 831 |
| Net loans and leases to deposits | 89.8261% | 663 |
| Net loans and leases to core deposits | 96.1025% | 800 |
| Total domestic deposits to total assets | 81.5612% | 3,999 |
| Equity capital to assets | 7.8503% | 4,603 |
| Core capital (leverage) ratio | 7.7172% | 4,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2308% | 3,066 |
| Memoranda: |
| Average total assets | $1,131,832,000 | 875 |
| Average earning assets | $1,050,962,333 | 868 |
| Average equity | $87,878,333 | 1,133 |
| Average total loans | $808,552,000 | 810 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8624% | 1,929 |
| Cost of funding earning assets | 0.5500% | 1,103 |
| Net interest margin | 3.3124% | 2,352 |
| Noninterest income to average assets | 0.9456% | 1,226 |
| Noninterest expense to average assets | 2.8096% | 1,349 |
| Loan and lease loss provision to assets | 0.0642% | 1,856 |
| Net operating income to assets | 0.9634% | 2,921 |
| Return on assets (ROA) | 1.0119% | 2,860 |
| Pretax return on assets | 1.2011% | 2,845 |
| Return on Equity (ROE) | 13.1067% | 1,645 |
| Retained earnings to average equity (ytd only) | 9.8751% | 1,687 |
| Net charge-offs to loans | -0.0020% | 3,141 |
| Credit loss provision to net charge-offs | -4,500.0000% | 3,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9406% | 1,710 |
| Assets per employee ($millions) | 5.1780% | 3,452 |
| Cash dividends to net income (ytd only)* | 24.6566% | 1,872 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2432% | 2,702 |
| Loan loss allowance to noncurrent loans | 1,605.6452% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.1332% | 3,509 |
| Noncurrent loans to loans | 0.0774% | 3,907 |
| Net loans and leases to total assets | 69.4214% | 1,363 |
| Net loans and leases to deposits | 85.8736% | 966 |
| Net loans and leases to core deposits | 91.2512% | 1,155 |
| Total domestic deposits to total assets | 80.8413% | 4,092 |
| Equity capital to assets | 7.6562% | 4,654 |
| Core capital (leverage) ratio | 7.8174% | 4,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8836% | 2,949 |
| Memoranda: |
| Average total assets | $1,122,290,500 | 872 |
| Average earning assets | $1,040,699,500 | 869 |
| Average equity | $86,642,500 | 1,134 |
| Average total loans | $786,091,000 | 824 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2098% | 2,106 |
| Cost of funding earning assets | 0.8197% | 1,131 |
| Net interest margin | 3.3901% | 2,813 |
| Noninterest income to average assets | 1.0108% | 1,027 |
| Noninterest expense to average assets | 2.8660% | 1,772 |
| Loan and lease loss provision to assets | 0.2239% | 1,746 |
| Net operating income to assets | 0.9069% | 2,665 |
| Return on assets (ROA) | 0.8912% | 2,868 |
| Pretax return on assets | 1.0383% | 2,919 |
| Return on Equity (ROE) | 11.0046% | 1,623 |
| Retained earnings to average equity (ytd only) | 7.9877% | 1,058 |
| Net charge-offs to loans | -0.0005% | 3,907 |
| Credit loss provision to net charge-offs | -56,700.0000% | 4,505 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1203% | 2,076 |
| Assets per employee ($millions) | 5.3402% | 3,006 |
| Cash dividends to net income (ytd only)* | 27.4147% | 2,960 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2666% | 2,586 |
| Loan loss allowance to noncurrent loans | 912.3249% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.1780% | 3,388 |
| Noncurrent loans to loans | 0.1388% | 3,725 |
| Net loans and leases to total assets | 68.9001% | 1,706 |
| Net loans and leases to deposits | 86.4283% | 1,221 |
| Net loans and leases to core deposits | 91.6990% | 1,408 |
| Total domestic deposits to total assets | 79.7193% | 4,091 |
| Equity capital to assets | 7.7861% | 4,778 |
| Core capital (leverage) ratio | 7.9726% | 4,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1303% | 2,888 |
| Memoranda: |
| Average total assets | $1,013,033,800 | 875 |
| Average earning assets | $937,005,400 | 869 |
| Average equity | $82,038,600 | 1,131 |
| Average total loans | $752,298,000 | 826 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3049% | 2,083 |
| Cost of funding earning assets | 0.8813% | 1,130 |
| Net interest margin | 3.4235% | 2,837 |
| Noninterest income to average assets | 0.9992% | 1,026 |
| Noninterest expense to average assets | 2.9282% | 1,618 |
| Loan and lease loss provision to assets | 0.2314% | 1,755 |
| Net operating income to assets | 0.8670% | 2,839 |
| Return on assets (ROA) | 0.8293% | 3,109 |
| Pretax return on assets | 0.9642% | 3,185 |
| Return on Equity (ROE) | 10.1308% | 1,974 |
| Retained earnings to average equity (ytd only) | 7.2102% | 1,608 |
| Net charge-offs to loans | -0.0016% | 3,863 |
| Credit loss provision to net charge-offs | -19,088.8889% | 4,406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2592% | 1,851 |
| Assets per employee ($millions) | 4.9565% | 3,303 |
| Cash dividends to net income (ytd only)* | 28.8290% | 2,418 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1597% | 2,888 |
| Loan loss allowance to noncurrent loans | 1,656.3734% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.1390% | 3,724 |
| Noncurrent loans to loans | 0.0700% | 4,094 |
| Net loans and leases to total assets | 75.1900% | 1,210 |
| Net loans and leases to deposits | 95.2956% | 813 |
| Net loans and leases to core deposits | 100.6909% | 1,115 |
| Total domestic deposits to total assets | 78.9019% | 4,069 |
| Equity capital to assets | 7.9749% | 4,720 |
| Core capital (leverage) ratio | 7.9181% | 4,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9943% | 2,923 |
| Memoranda: |
| Average total assets | $989,936,500 | 876 |
| Average earning assets | $916,181,750 | 875 |
| Average equity | $81,031,000 | 1,133 |
| Average total loans | $747,520,500 | 823 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4838% | 1,964 |
| Cost of funding earning assets | 0.8746% | 1,481 |
| Net interest margin | 3.6091% | 2,453 |
| Noninterest income to average assets | 0.9704% | 1,034 |
| Noninterest expense to average assets | 2.9851% | 1,617 |
| Loan and lease loss provision to assets | 0.2611% | 1,626 |
| Net operating income to assets | 0.9197% | 2,624 |
| Return on assets (ROA) | 0.8607% | 2,955 |
| Pretax return on assets | 1.0042% | 3,014 |
| Return on Equity (ROE) | 10.4187% | 1,844 |
| Retained earnings to average equity (ytd only) | 7.7393% | 1,389 |
| Net charge-offs to loans | -0.0025% | 3,853 |
| Credit loss provision to net charge-offs | -14,088.8889% | 4,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1156% | 2,072 |
| Assets per employee ($millions) | 5.1483% | 2,998 |
| Cash dividends to net income (ytd only)* | 25.7177% | 2,527 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1114% | 2,989 |
| Loan loss allowance to noncurrent loans | 1,652.7307% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.1366% | 3,838 |
| Noncurrent loans to loans | 0.0672% | 4,197 |
| Net loans and leases to total assets | 74.7180% | 1,315 |
| Net loans and leases to deposits | 94.9520% | 879 |
| Net loans and leases to core deposits | 100.5210% | 1,222 |
| Total domestic deposits to total assets | 78.6903% | 4,079 |
| Equity capital to assets | 7.8173% | 4,801 |
| Core capital (leverage) ratio | 7.9633% | 4,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9495% | 2,981 |
| Memoranda: |
| Average total assets | $971,306,333 | 877 |
| Average earning assets | $901,162,000 | 874 |
| Average equity | $80,240,000 | 1,134 |
| Average total loans | $731,499,667 | 826 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3831% | 2,679 |
| Cost of funding earning assets | 1.0313% | 1,292 |
| Net interest margin | 3.3517% | 3,445 |
| Noninterest income to average assets | 1.0475% | 775 |
| Noninterest expense to average assets | 3.0505% | 1,765 |
| Loan and lease loss provision to assets | 0.1361% | 2,021 |
| Net operating income to assets | 0.8354% | 2,768 |
| Return on assets (ROA) | 0.7132% | 3,309 |
| Pretax return on assets | 0.8309% | 3,327 |
| Return on Equity (ROE) | 8.3812% | 2,354 |
| Retained earnings to average equity (ytd only) | 6.4947% | 1,713 |
| Net charge-offs to loans | -0.0051% | 3,874 |
| Credit loss provision to net charge-offs | -3,533.3333% | 3,818 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3354% | 1,900 |
| Assets per employee ($millions) | 4.6212% | 3,093 |
| Cash dividends to net income (ytd only)* | 22.5090% | 2,302 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0955% | 3,232 |
| Loan loss allowance to noncurrent loans | 1,496.3671% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.1492% | 3,902 |
| Noncurrent loans to loans | 0.0732% | 4,230 |
| Net loans and leases to total assets | 74.2173% | 1,569 |
| Net loans and leases to deposits | 97.6542% | 762 |
| Net loans and leases to core deposits | 104.7127% | 1,140 |
| Total domestic deposits to total assets | 76.0001% | 4,486 |
| Equity capital to assets | 8.3523% | 4,878 |
| Core capital (leverage) ratio | 8.6600% | 4,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8086% | 3,153 |
| Memoranda: |
| Average total assets | $934,411,500 | 880 |
| Average earning assets | $867,610,000 | 878 |
| Average equity | $79,511,000 | 1,143 |
| Average total loans | $702,424,000 | 837 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6215% | 2,545 |
| Cost of funding earning assets | 1.1796% | 1,071 |
| Net interest margin | 3.4419% | 3,617 |
| Noninterest income to average assets | 0.8709% | 1,244 |
| Noninterest expense to average assets | 3.0573% | 1,857 |
| Loan and lease loss provision to assets | 0.0439% | 3,134 |
| Net operating income to assets | 0.8417% | 3,412 |
| Return on assets (ROA) | 0.8738% | 3,393 |
| Pretax return on assets | 0.9979% | 3,466 |
| Return on Equity (ROE) | 10.2012% | 2,202 |
| Retained earnings to average equity (ytd only) | 8.4925% | 834 |
| Net charge-offs to loans | -0.0699% | 4,889 |
| Credit loss provision to net charge-offs | -83.5118% | 4,204 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2543% | 1,457 |
| Assets per employee ($millions) | 4.4944% | 3,227 |
| Cash dividends to net income (ytd only)* | 16.7504% | 3,577 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0860% | 3,026 |
| Loan loss allowance to noncurrent loans | 2,373.1013% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.1323% | 3,972 |
| Noncurrent loans to loans | 0.0458% | 4,373 |
| Net loans and leases to total assets | 74.4936% | 1,672 |
| Net loans and leases to deposits | 95.8757% | 952 |
| Net loans and leases to core deposits | 106.5651% | 1,078 |
| Total domestic deposits to total assets | 77.6981% | 4,405 |
| Equity capital to assets | 8.6721% | 4,843 |
| Core capital (leverage) ratio | 8.6630% | 4,748 |
| Tier 1 risk-based capital ratio | 10.7531% | 4,946 |
| Total risk-based capital ratio | 11.7989% | 4,926 |
| Memoranda: |
| Average total assets | $888,161,600 | 890 |
| Average earning assets | $823,608,000 | 880 |
| Average equity | $76,079,000 | 1,132 |
| Average total loans | $668,284,200 | 838 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6317% | 2,627 |
| Cost of funding earning assets | 1.1892% | 1,061 |
| Net interest margin | 3.4425% | 3,753 |
| Noninterest income to average assets | 0.8374% | 1,311 |
| Noninterest expense to average assets | 3.0833% | 1,749 |
| Loan and lease loss provision to assets | 0.0590% | 2,714 |
| Net operating income to assets | 0.7912% | 3,699 |
| Return on assets (ROA) | 0.8275% | 3,668 |
| Pretax return on assets | 0.9244% | 3,809 |
| Return on Equity (ROE) | 9.6921% | 2,576 |
| Retained earnings to average equity (ytd only) | 7.9639% | 1,413 |
| Net charge-offs to loans | -0.0883% | 4,973 |
| Credit loss provision to net charge-offs | -88.8383% | 4,063 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5787% | 1,259 |
| Assets per employee ($millions) | 4.3493% | 3,417 |
| Cash dividends to net income (ytd only)* | 17.8311% | 3,124 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1038% | 3,008 |
| Loan loss allowance to noncurrent loans | 3,166.1017% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.1258% | 4,098 |
| Noncurrent loans to loans | 0.0349% | 4,505 |
| Net loans and leases to total assets | 74.3622% | 1,736 |
| Net loans and leases to deposits | 96.2315% | 991 |
| Net loans and leases to core deposits | 107.4350% | 1,088 |
| Total domestic deposits to total assets | 77.2743% | 4,480 |
| Equity capital to assets | 8.5796% | 4,964 |
| Core capital (leverage) ratio | 8.6348% | 4,869 |
| Tier 1 risk-based capital ratio | 10.6293% | 5,042 |
| Total risk-based capital ratio | 11.6888% | 5,021 |
| Memoranda: |
| Average total assets | $880,988,250 | 893 |
| Average earning assets | $816,100,000 | 887 |
| Average equity | $75,221,000 | 1,142 |
| Average total loans | $662,731,000 | 846 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6238% | 2,598 |
| Cost of funding earning assets | 1.1770% | 1,058 |
| Net interest margin | 3.4468% | 3,749 |
| Noninterest income to average assets | 0.8144% | 1,300 |
| Noninterest expense to average assets | 3.0937% | 1,748 |
| Loan and lease loss provision to assets | 0.0778% | 2,257 |
| Net operating income to assets | 0.7634% | 3,777 |
| Return on assets (ROA) | 0.8057% | 3,690 |
| Pretax return on assets | 0.8843% | 3,890 |
| Return on Equity (ROE) | 9.4518% | 2,658 |
| Retained earnings to average equity (ytd only) | 7.7079% | 1,517 |
| Net charge-offs to loans | -0.1112% | 5,020 |
| Credit loss provision to net charge-offs | -92.8962% | 3,889 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1618% | 1,252 |
| Assets per employee ($millions) | 4.5676% | 3,040 |
| Cash dividends to net income (ytd only)* | 18.4502% | 3,074 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0810% | 3,168 |
| Loan loss allowance to noncurrent loans | 1,291.3884% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.1661% | 3,938 |
| Noncurrent loans to loans | 0.0837% | 4,304 |
| Net loans and leases to total assets | 74.3497% | 1,833 |
| Net loans and leases to deposits | 96.0642% | 1,026 |
| Net loans and leases to core deposits | 106.5753% | 1,209 |
| Total domestic deposits to total assets | 77.3958% | 4,507 |
| Equity capital to assets | 8.4225% | 5,071 |
| Core capital (leverage) ratio | 8.5787% | 4,922 |
| Tier 1 risk-based capital ratio | 10.3494% | 5,156 |
| Total risk-based capital ratio | 11.3861% | 5,138 |
| Memoranda: |
| Average total assets | $874,548,330 | 897 |
| Average earning assets | $810,673,670 | 888 |
| Average equity | $74,547,000 | 1,142 |
| Average total loans | $657,987,670 | 852 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5928% | 2,550 |
| Cost of funding earning assets | 1.1308% | 1,091 |
| Net interest margin | 3.4621% | 3,713 |
| Noninterest income to average assets | 0.7566% | 1,413 |
| Noninterest expense to average assets | 3.1255% | 1,674 |
| Loan and lease loss provision to assets | 0.1117% | 1,590 |
| Net operating income to assets | 0.6707% | 4,023 |
| Return on assets (ROA) | 0.7161% | 3,926 |
| Pretax return on assets | 0.7813% | 4,092 |
| Return on Equity (ROE) | 8.3489% | 3,095 |
| Retained earnings to average equity (ytd only) | 6.5858% | 2,206 |
| Net charge-offs to loans | -0.2423% | 5,191 |
| Credit loss provision to net charge-offs | -61.2245% | 3,505 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7456% | 1,189 |
| Assets per employee ($millions) | 4.3979% | 3,339 |
| Cash dividends to net income (ytd only)* | 21.1176% | 2,439 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1074% | 3,089 |
| Loan loss allowance to noncurrent loans | 1,114.0888% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.1780% | 3,925 |
| Noncurrent loans to loans | 0.0994% | 4,298 |
| Net loans and leases to total assets | 74.6087% | 1,702 |
| Net loans and leases to deposits | 95.7913% | 994 |
| Net loans and leases to core deposits | 104.2845% | 1,295 |
| Total domestic deposits to total assets | 77.8867% | 4,536 |
| Equity capital to assets | 8.5788% | 4,940 |
| Core capital (leverage) ratio | 8.7252% | 4,849 |
| Tier 1 risk-based capital ratio | 10.4201% | 5,190 |
| Total risk-based capital ratio | 11.4772% | 5,180 |
| Memoranda: |
| Average total assets | $859,629,000 | 910 |
| Average earning assets | $797,677,000 | 903 |
| Average equity | $73,734,500 | 1,150 |
| Average total loans | $647,103,000 | 866 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3966% | 2,771 |
| Cost of funding earning assets | 0.9588% | 891 |
| Net interest margin | 3.4378% | 3,888 |
| Noninterest income to average assets | 0.8744% | 1,251 |
| Noninterest expense to average assets | 3.0052% | 2,034 |
| Loan and lease loss provision to assets | 0.1149% | 1,919 |
| Net operating income to assets | 0.8407% | 3,643 |
| Return on assets (ROA) | 0.8216% | 3,724 |
| Pretax return on assets | 0.9244% | 3,835 |
| Return on Equity (ROE) | 9.6747% | 2,652 |
| Retained earnings to average equity (ytd only) | 5.9907% | 2,199 |
| Net charge-offs to loans | 0.0016% | 3,698 |
| Credit loss provision to net charge-offs | 9,550.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 881.5000% | 120 |
| Efficiency ratio | 73.9124% | 1,635 |
| Assets per employee ($millions) | 4.3512% | 3,380 |
| Cash dividends to net income (ytd only)* | 38.0785% | 2,629 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0423% | 3,433 |
| Loan loss allowance to noncurrent loans | 472.4040% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.2714% | 3,499 |
| Noncurrent loans to loans | 0.2206% | 3,789 |
| Net loans and leases to total assets | 74.3226% | 1,881 |
| Net loans and leases to deposits | 92.1106% | 1,537 |
| Net loans and leases to core deposits | 101.4870% | 1,608 |
| Total domestic deposits to total assets | 80.6885% | 3,958 |
| Equity capital to assets | 8.5762% | 4,881 |
| Core capital (leverage) ratio | 8.5503% | 4,996 |
| Tier 1 risk-based capital ratio | 10.4756% | 5,190 |
| Total risk-based capital ratio | 11.4709% | 5,188 |
| Memoranda: |
| Average total assets | $831,047,800 | 922 |
| Average earning assets | $771,504,600 | 912 |
| Average equity | $70,575,600 | 1,151 |
| Average total loans | $609,342,600 | 879 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3383% | 2,820 |
| Cost of funding earning assets | 0.9173% | 856 |
| Net interest margin | 3.4211% | 3,943 |
| Noninterest income to average assets | 0.8800% | 1,253 |
| Noninterest expense to average assets | 3.0745% | 1,829 |
| Loan and lease loss provision to assets | 0.1290% | 1,559 |
| Net operating income to assets | 0.7707% | 4,009 |
| Return on assets (ROA) | 0.8059% | 3,884 |
| Pretax return on assets | 0.8882% | 4,063 |
| Return on Equity (ROE) | 9.5141% | 2,840 |
| Retained earnings to average equity (ytd only) | 5.8014% | 2,757 |
| Net charge-offs to loans | -0.0062% | 4,267 |
| Credit loss provision to net charge-offs | -2,857.1429% | 4,791 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8575% | 1,369 |
| Assets per employee ($millions) | 4.2871% | 3,450 |
| Cash dividends to net income (ytd only)* | 39.0235% | 2,104 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0454% | 3,494 |
| Loan loss allowance to noncurrent loans | 449.7588% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.1727% | 4,086 |
| Noncurrent loans to loans | 0.2324% | 3,873 |
| Net loans and leases to total assets | 73.5140% | 2,070 |
| Net loans and leases to deposits | 91.8292% | 1,646 |
| Net loans and leases to core deposits | 101.5414% | 1,646 |
| Total domestic deposits to total assets | 80.0552% | 4,109 |
| Equity capital to assets | 8.4560% | 4,957 |
| Core capital (leverage) ratio | 8.3605% | 5,169 |
| Tier 1 risk-based capital ratio | 10.3527% | 5,279 |
| Total risk-based capital ratio | 11.3269% | 5,308 |
| Memoranda: |
| Average total assets | $826,690,000 | 926 |
| Average earning assets | $766,759,500 | 916 |
| Average equity | $70,027,750 | 1,156 |
| Average total loans | $602,364,750 | 885 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2580% | 2,916 |
| Cost of funding earning assets | 0.8665% | 846 |
| Net interest margin | 3.3915% | 3,979 |
| Noninterest income to average assets | 0.8400% | 1,349 |
| Noninterest expense to average assets | 3.0838% | 1,826 |
| Loan and lease loss provision to assets | 0.1387% | 1,409 |
| Net operating income to assets | 0.7065% | 4,177 |
| Return on assets (ROA) | 0.7534% | 4,022 |
| Pretax return on assets | 0.8101% | 4,214 |
| Return on Equity (ROE) | 8.8884% | 3,075 |
| Retained earnings to average equity (ytd only) | 5.1574% | 2,996 |
| Net charge-offs to loans | -0.0155% | 4,468 |
| Credit loss provision to net charge-offs | -1,239.1304% | 4,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4404% | 1,254 |
| Assets per employee ($millions) | 4.2290% | 3,531 |
| Cash dividends to net income (ytd only)* | 41.9761% | 2,032 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0295% | 3,651 |
| Loan loss allowance to noncurrent loans | 444.0225% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.1690% | 4,144 |
| Noncurrent loans to loans | 0.2319% | 3,881 |
| Net loans and leases to total assets | 72.1238% | 2,254 |
| Net loans and leases to deposits | 90.1008% | 1,830 |
| Net loans and leases to core deposits | 98.6223% | 1,846 |
| Total domestic deposits to total assets | 80.0479% | 4,228 |
| Equity capital to assets | 8.3325% | 5,058 |
| Core capital (leverage) ratio | 8.4712% | 5,129 |
| Tier 1 risk-based capital ratio | 10.3223% | 5,334 |
| Total risk-based capital ratio | 11.2932% | 5,355 |
| Memoranda: |
| Average total assets | $822,165,670 | 931 |
| Average earning assets | $761,716,670 | 922 |
| Average equity | $69,686,000 | 1,166 |
| Average total loans | $595,074,000 | 896 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1775% | 2,958 |
| Cost of funding earning assets | 0.8116% | 908 |
| Net interest margin | 3.3659% | 4,004 |
| Noninterest income to average assets | 0.8537% | 1,286 |
| Noninterest expense to average assets | 3.0367% | 1,980 |
| Loan and lease loss provision to assets | 0.1108% | 1,696 |
| Net operating income to assets | 0.7654% | 3,850 |
| Return on assets (ROA) | 0.7291% | 3,994 |
| Pretax return on assets | 0.8025% | 4,142 |
| Return on Equity (ROE) | 8.5278% | 3,142 |
| Retained earnings to average equity (ytd only) | 4.7850% | 3,265 |
| Net charge-offs to loans | -0.1884% | 5,368 |
| Credit loss provision to net charge-offs | -81.5217% | 3,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1106% | 1,579 |
| Assets per employee ($millions) | 4.1664% | 3,705 |
| Cash dividends to net income (ytd only)* | 43.8893% | 1,702 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0402% | 3,725 |
| Loan loss allowance to noncurrent loans | 436.8569% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.1738% | 4,215 |
| Noncurrent loans to loans | 0.2381% | 3,919 |
| Net loans and leases to total assets | 72.2175% | 2,135 |
| Net loans and leases to deposits | 89.9530% | 1,699 |
| Net loans and leases to core deposits | 100.5320% | 1,647 |
| Total domestic deposits to total assets | 80.2835% | 4,369 |
| Equity capital to assets | 8.4876% | 4,984 |
| Core capital (leverage) ratio | 8.4935% | 5,145 |
| Tier 1 risk-based capital ratio | 10.2896% | 5,416 |
| Total risk-based capital ratio | 11.2538% | 5,442 |
| Memoranda: |
| Average total assets | $812,463,000 | 949 |
| Average earning assets | $757,013,500 | 935 |
| Average equity | $69,467,000 | 1,179 |
| Average total loans | $585,967,500 | 918 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0635% | 3,193 |
| Cost of funding earning assets | 0.7376% | 859 |
| Net interest margin | 3.3259% | 4,078 |
| Noninterest income to average assets | 0.7938% | 1,586 |
| Noninterest expense to average assets | 3.0461% | 2,027 |
| Loan and lease loss provision to assets | 0.0780% | 2,639 |
| Net operating income to assets | 0.5972% | 4,023 |
| Return on assets (ROA) | 0.6075% | 4,008 |
| Pretax return on assets | 0.7767% | 4,311 |
| Return on Equity (ROE) | 6.7978% | 3,381 |
| Retained earnings to average equity (ytd only) | 3.0172% | 3,495 |
| Net charge-offs to loans | 0.1716% | 1,438 |
| Credit loss provision to net charge-offs | 65.7174% | 3,152 |
| Earnings coverage of net charge-offs (x) | 7.0920% | 3,090 |
| Efficiency ratio | 78.3553% | 1,301 |
| Assets per employee ($millions) | 4.2100% | 3,639 |
| Cash dividends to net income (ytd only)* | 55.6150% | 1,991 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9892% | 4,006 |
| Loan loss allowance to noncurrent loans | 121.9867% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 0.6094% | 2,513 |
| Noncurrent loans to loans | 0.8109% | 2,182 |
| Net loans and leases to total assets | 70.5544% | 2,440 |
| Net loans and leases to deposits | 87.0072% | 2,131 |
| Net loans and leases to core deposits | 101.0353% | 1,631 |
| Total domestic deposits to total assets | 81.0904% | 4,101 |
| Equity capital to assets | 8.6134% | 5,023 |
| Core capital (leverage) ratio | 8.2948% | 5,289 |
| Tier 1 risk-based capital ratio | 10.2846% | 5,452 |
| Total risk-based capital ratio | 11.2462% | 5,479 |
| Memoranda: |
| Average total assets | $769,503,200 | 965 |
| Average earning assets | $715,814,400 | 962 |
| Average equity | $68,771,800 | 1,159 |
| Average total loans | $532,158,400 | 962 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0336% | 3,232 |
| Cost of funding earning assets | 0.7123% | 911 |
| Net interest margin | 3.3213% | 4,102 |
| Noninterest income to average assets | 0.7998% | 1,588 |
| Noninterest expense to average assets | 3.0318% | 2,028 |
| Loan and lease loss provision to assets | 0.0790% | 2,506 |
| Net operating income to assets | 0.6343% | 4,251 |
| Return on assets (ROA) | 0.7070% | 4,007 |
| Pretax return on assets | 0.8642% | 4,161 |
| Return on Equity (ROE) | 7.8354% | 3,214 |
| Retained earnings to average equity (ytd only) | 4.0431% | 3,513 |
| Net charge-offs to loans | 0.0205% | 3,082 |
| Credit loss provision to net charge-offs | 562.5000% | 565 |
| Earnings coverage of net charge-offs (x) | 60.8773% | 982 |
| Efficiency ratio | 78.0106% | 1,331 |
| Assets per employee ($millions) | 4.1752% | 3,687 |
| Cash dividends to net income (ytd only)* | 48.3992% | 1,840 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1568% | 3,165 |
| Loan loss allowance to noncurrent loans | 112.0653% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 0.7383% | 2,287 |
| Noncurrent loans to loans | 1.0322% | 1,878 |
| Net loans and leases to total assets | 67.6637% | 2,893 |
| Net loans and leases to deposits | 84.2122% | 2,536 |
| Net loans and leases to core deposits | 98.2787% | 1,863 |
| Total domestic deposits to total assets | 80.3490% | 4,241 |
| Equity capital to assets | 8.6786% | 5,161 |
| Core capital (leverage) ratio | 8.7486% | 5,018 |
| Tier 1 risk-based capital ratio | 10.6570% | 5,391 |
| Total risk-based capital ratio | 11.7526% | 5,382 |
| Memoranda: |
| Average total assets | $759,799,250 | 979 |
| Average earning assets | $706,091,500 | 974 |
| Average equity | $68,558,750 | 1,170 |
| Average total loans | $521,197,250 | 986 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0287% | 3,097 |
| Cost of funding earning assets | 0.6902% | 938 |
| Net interest margin | 3.3385% | 3,989 |
| Noninterest income to average assets | 0.8100% | 1,538 |
| Noninterest expense to average assets | 3.1094% | 1,819 |
| Loan and lease loss provision to assets | 0.0806% | 2,375 |
| Net operating income to assets | 0.6094% | 4,262 |
| Return on assets (ROA) | 0.6676% | 4,052 |
| Pretax return on assets | 0.7890% | 4,313 |
| Return on Equity (ROE) | 7.2981% | 3,398 |
| Retained earnings to average equity (ytd only) | 3.4802% | 3,631 |
| Net charge-offs to loans | 0.0176% | 2,897 |
| Credit loss provision to net charge-offs | 666.6667% | 519 |
| Earnings coverage of net charge-offs (x) | 66.2667% | 874 |
| Efficiency ratio | 79.5136% | 1,270 |
| Assets per employee ($millions) | 3.9533% | 4,033 |
| Cash dividends to net income (ytd only)* | 52.3139% | 1,767 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1967% | 3,033 |
| Loan loss allowance to noncurrent loans | 112.9009% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 0.7237% | 2,396 |
| Noncurrent loans to loans | 1.0599% | 1,857 |
| Net loans and leases to total assets | 67.4563% | 2,886 |
| Net loans and leases to deposits | 85.3409% | 2,304 |
| Net loans and leases to core deposits | 98.0320% | 1,807 |
| Total domestic deposits to total assets | 79.0434% | 4,610 |
| Equity capital to assets | 9.0098% | 4,889 |
| Core capital (leverage) ratio | 8.9654% | 4,763 |
| Tier 1 risk-based capital ratio | 10.9092% | 5,303 |
| Total risk-based capital ratio | 12.0317% | 5,277 |
| Memoranda: |
| Average total assets | $744,458,330 | 1,002 |
| Average earning assets | $691,390,670 | 995 |
| Average equity | $68,100,330 | 1,176 |
| Average total loans | $511,053,000 | 997 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0069% | 3,014 |
| Cost of funding earning assets | 0.6835% | 912 |
| Net interest margin | 3.3235% | 3,936 |
| Noninterest income to average assets | 0.7779% | 1,629 |
| Noninterest expense to average assets | 3.1385% | 1,768 |
| Loan and lease loss provision to assets | 0.0818% | 2,181 |
| Net operating income to assets | 0.5466% | 4,394 |
| Return on assets (ROA) | 0.6176% | 4,135 |
| Pretax return on assets | 0.7288% | 4,346 |
| Return on Equity (ROE) | 6.6982% | 3,553 |
| Retained earnings to average equity (ytd only) | 2.8520% | 3,988 |
| Net charge-offs to loans | 0.0285% | 2,182 |
| Credit loss provision to net charge-offs | 416.6667% | 639 |
| Earnings coverage of net charge-offs (x) | 37.0278% | 1,083 |
| Efficiency ratio | 81.1883% | 1,241 |
| Assets per employee ($millions) | 3.8130% | 4,327 |
| Cash dividends to net income (ytd only)* | 57.4205% | 1,500 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1918% | 3,187 |
| Loan loss allowance to noncurrent loans | 106.1341% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 0.7762% | 2,360 |
| Noncurrent loans to loans | 1.1229% | 1,818 |
| Net loans and leases to total assets | 68.2947% | 2,631 |
| Net loans and leases to deposits | 87.6290% | 1,848 |
| Net loans and leases to core deposits | 96.7728% | 1,764 |
| Total domestic deposits to total assets | 77.9362% | 4,974 |
| Equity capital to assets | 9.1352% | 4,676 |
| Core capital (leverage) ratio | 8.9619% | 4,784 |
| Tier 1 risk-based capital ratio | 11.1012% | 5,258 |
| Total risk-based capital ratio | 12.2393% | 5,227 |
| Memoranda: |
| Average total assets | $733,217,000 | 1,011 |
| Average earning assets | $681,217,000 | 1,004 |
| Average equity | $67,600,500 | 1,182 |
| Average total loans | $504,771,500 | 1,007 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9126% | 3,530 |
| Cost of funding earning assets | 0.6704% | 949 |
| Net interest margin | 3.2422% | 4,321 |
| Noninterest income to average assets | 0.8471% | 1,589 |
| Noninterest expense to average assets | 3.0356% | 2,236 |
| Loan and lease loss provision to assets | 0.0743% | 2,867 |
| Net operating income to assets | 0.6412% | 4,036 |
| Return on assets (ROA) | 0.7333% | 3,739 |
| Pretax return on assets | 0.8643% | 3,961 |
| Return on Equity (ROE) | 7.8187% | 3,046 |
| Retained earnings to average equity (ytd only) | 3.9347% | 3,123 |
| Net charge-offs to loans | 0.0575% | 2,899 |
| Credit loss provision to net charge-offs | 195.5720% | 1,444 |
| Earnings coverage of net charge-offs (x) | 21.8672% | 1,760 |
| Efficiency ratio | 78.5235% | 1,622 |
| Assets per employee ($millions) | 3.7263% | 4,434 |
| Cash dividends to net income (ytd only)* | 49.6752% | 2,318 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2128% | 3,047 |
| Loan loss allowance to noncurrent loans | 106.3141% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 0.7821% | 2,396 |
| Noncurrent loans to loans | 1.1408% | 1,795 |
| Net loans and leases to total assets | 67.7290% | 2,820 |
| Net loans and leases to deposits | 86.9166% | 2,061 |
| Net loans and leases to core deposits | 95.1603% | 1,995 |
| Total domestic deposits to total assets | 77.9241% | 4,987 |
| Equity capital to assets | 9.3066% | 4,468 |
| Core capital (leverage) ratio | 9.1161% | 4,597 |
| Tier 1 risk-based capital ratio | 11.4855% | 5,065 |
| Total risk-based capital ratio | 12.6821% | 4,996 |
| Memoranda: |
| Average total assets | $713,769,000 | 1,005 |
| Average earning assets | $664,569,600 | 997 |
| Average equity | $66,942,400 | 1,168 |
| Average total loans | $471,414,200 | 1,025 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8813% | 3,652 |
| Cost of funding earning assets | 0.6702% | 946 |
| Net interest margin | 3.2111% | 4,461 |
| Noninterest income to average assets | 0.8418% | 1,603 |
| Noninterest expense to average assets | 3.0281% | 2,237 |
| Loan and lease loss provision to assets | 0.0787% | 2,646 |
| Net operating income to assets | 0.6273% | 4,174 |
| Return on assets (ROA) | 0.7115% | 3,920 |
| Pretax return on assets | 0.8245% | 4,232 |
| Return on Equity (ROE) | 7.5720% | 3,254 |
| Retained earnings to average equity (ytd only) | 3.6833% | 3,685 |
| Net charge-offs to loans | -0.0023% | 4,509 |
| Credit loss provision to net charge-offs | -5,250.0000% | 5,413 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9939% | 1,558 |
| Assets per employee ($millions) | 3.7838% | 4,335 |
| Cash dividends to net income (ytd only)* | 51.3564% | 1,811 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2824% | 2,783 |
| Loan loss allowance to noncurrent loans | 97.9087% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 0.8688% | 2,375 |
| Noncurrent loans to loans | 1.3098% | 1,697 |
| Net loans and leases to total assets | 65.4814% | 3,207 |
| Net loans and leases to deposits | 83.9193% | 2,492 |
| Net loans and leases to core deposits | 91.7415% | 2,414 |
| Total domestic deposits to total assets | 78.0290% | 4,907 |
| Equity capital to assets | 9.5088% | 4,652 |
| Core capital (leverage) ratio | 9.1392% | 4,672 |
| Tier 1 risk-based capital ratio | 11.2503% | 5,227 |
| Total risk-based capital ratio | 12.3988% | 5,202 |
| Memoranda: |
| Average total assets | $711,485,000 | 1,012 |
| Average earning assets | $662,848,500 | 1,003 |
| Average equity | $66,858,500 | 1,182 |
| Average total loans | $465,361,000 | 1,041 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8719% | 3,690 |
| Cost of funding earning assets | 0.6756% | 917 |
| Net interest margin | 3.1963% | 4,553 |
| Noninterest income to average assets | 0.8218% | 1,636 |
| Noninterest expense to average assets | 3.0107% | 2,311 |
| Loan and lease loss provision to assets | 0.0679% | 2,781 |
| Net operating income to assets | 0.6227% | 4,175 |
| Return on assets (ROA) | 0.7018% | 3,931 |
| Pretax return on assets | 0.8125% | 4,237 |
| Return on Equity (ROE) | 7.4988% | 3,267 |
| Retained earnings to average equity (ytd only) | 3.5664% | 3,622 |
| Net charge-offs to loans | 0.0026% | 3,618 |
| Credit loss provision to net charge-offs | 4,000.0000% | 108 |
| Earnings coverage of net charge-offs (x) | 464.1667% | 146 |
| Efficiency ratio | 79.2474% | 1,605 |
| Assets per employee ($millions) | 3.6520% | 4,514 |
| Cash dividends to net income (ytd only)* | 52.4405% | 1,856 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2752% | 2,922 |
| Loan loss allowance to noncurrent loans | 95.6994% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 0.8985% | 2,358 |
| Noncurrent loans to loans | 1.3325% | 1,688 |
| Net loans and leases to total assets | 65.4103% | 3,167 |
| Net loans and leases to deposits | 82.8324% | 2,611 |
| Net loans and leases to core deposits | 89.6584% | 2,568 |
| Total domestic deposits to total assets | 78.9671% | 4,794 |
| Equity capital to assets | 9.6832% | 4,569 |
| Core capital (leverage) ratio | 9.0767% | 4,740 |
| Tier 1 risk-based capital ratio | 11.3277% | 5,261 |
| Total risk-based capital ratio | 12.4415% | 5,238 |
| Memoranda: |
| Average total assets | $706,480,330 | 1,020 |
| Average earning assets | $658,069,330 | 1,007 |
| Average equity | $66,117,670 | 1,191 |
| Average total loans | $459,847,330 | 1,058 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8491% | 3,772 |
| Cost of funding earning assets | 0.6737% | 925 |
| Net interest margin | 3.1754% | 4,654 |
| Noninterest income to average assets | 0.8006% | 1,612 |
| Noninterest expense to average assets | 2.9546% | 2,530 |
| Loan and lease loss provision to assets | 0.0567% | 2,809 |
| Net operating income to assets | 0.6444% | 4,004 |
| Return on assets (ROA) | 0.6923% | 3,861 |
| Pretax return on assets | 0.8000% | 4,196 |
| Return on Equity (ROE) | 7.5284% | 3,174 |
| Retained earnings to average equity (ytd only) | 3.5206% | 3,734 |
| Net charge-offs to loans | 0.0026% | 3,030 |
| Credit loss provision to net charge-offs | 3,333.3333% | 125 |
| Earnings coverage of net charge-offs (x) | 471.3333% | 119 |
| Efficiency ratio | 78.6566% | 1,808 |
| Assets per employee ($millions) | 3.8087% | 4,283 |
| Cash dividends to net income (ytd only)* | 53.2351% | 1,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2780% | 3,014 |
| Loan loss allowance to noncurrent loans | 102.5960% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 0.8128% | 2,652 |
| Noncurrent loans to loans | 1.2457% | 1,942 |
| Net loans and leases to total assets | 63.1004% | 3,370 |
| Net loans and leases to deposits | 80.8138% | 2,692 |
| Net loans and leases to core deposits | 87.6305% | 2,597 |
| Total domestic deposits to total assets | 78.0813% | 5,135 |
| Equity capital to assets | 9.3932% | 4,775 |
| Core capital (leverage) ratio | 9.0043% | 4,851 |
| Tier 1 risk-based capital ratio | 11.1134% | 5,446 |
| Total risk-based capital ratio | 12.1821% | 5,447 |
| Memoranda: |
| Average total assets | $705,477,500 | 1,016 |
| Average earning assets | $656,676,500 | 1,008 |
| Average equity | $64,874,500 | 1,203 |
| Average total loans | $455,066,500 | 1,065 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8955% | 3,721 |
| Cost of funding earning assets | 0.6778% | 929 |
| Net interest margin | 3.2177% | 4,563 |
| Noninterest income to average assets | 0.8760% | 1,511 |
| Noninterest expense to average assets | 3.0295% | 2,445 |
| Loan and lease loss provision to assets | 0.0346% | 3,655 |
| Net operating income to assets | 0.6758% | 3,924 |
| Return on assets (ROA) | 0.7325% | 3,754 |
| Pretax return on assets | 0.8627% | 3,979 |
| Return on Equity (ROE) | 8.0646% | 2,933 |
| Retained earnings to average equity (ytd only) | 3.8474% | 3,299 |
| Net charge-offs to loans | 0.1134% | 2,244 |
| Credit loss provision to net charge-offs | 47.7642% | 3,438 |
| Earnings coverage of net charge-offs (x) | 11.4593% | 2,574 |
| Efficiency ratio | 78.4826% | 1,891 |
| Assets per employee ($millions) | 3.7162% | 4,451 |
| Cash dividends to net income (ytd only)* | 52.2928% | 2,170 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2713% | 3,060 |
| Loan loss allowance to noncurrent loans | 100.4716% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 0.8422% | 2,559 |
| Noncurrent loans to loans | 1.2653% | 1,860 |
| Net loans and leases to total assets | 64.2823% | 3,234 |
| Net loans and leases to deposits | 81.9105% | 2,596 |
| Net loans and leases to core deposits | 87.9303% | 2,611 |
| Total domestic deposits to total assets | 78.4788% | 5,068 |
| Equity capital to assets | 8.9924% | 5,131 |
| Core capital (leverage) ratio | 8.7340% | 5,181 |
| Tier 1 risk-based capital ratio | 10.8839% | 5,582 |
| Total risk-based capital ratio | 11.9700% | 5,579 |
| Memoranda: |
| Average total assets | $678,781,400 | 1,017 |
| Average earning assets | $629,515,000 | 1,007 |
| Average equity | $61,651,800 | 1,223 |
| Average total loans | $434,043,000 | 1,059 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8923% | 3,759 |
| Cost of funding earning assets | 0.6738% | 962 |
| Net interest margin | 3.2185% | 4,617 |
| Noninterest income to average assets | 0.8791% | 1,513 |
| Noninterest expense to average assets | 2.9871% | 2,565 |
| Loan and lease loss provision to assets | 0.0464% | 3,273 |
| Net operating income to assets | 0.6961% | 3,918 |
| Return on assets (ROA) | 0.7487% | 3,781 |
| Pretax return on assets | 0.8906% | 4,014 |
| Return on Equity (ROE) | 8.2222% | 2,955 |
| Retained earnings to average equity (ytd only) | 3.9907% | 3,624 |
| Net charge-offs to loans | 0.0087% | 3,860 |
| Credit loss provision to net charge-offs | 839.2857% | 428 |
| Earnings coverage of net charge-offs (x) | 158.0458% | 442 |
| Efficiency ratio | 77.3565% | 2,042 |
| Assets per employee ($millions) | 3.6785% | 4,479 |
| Cash dividends to net income (ytd only)* | 51.4649% | 1,808 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4177% | 2,515 |
| Loan loss allowance to noncurrent loans | 97.1554% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 0.9448% | 2,496 |
| Noncurrent loans to loans | 1.4592% | 1,713 |
| Net loans and leases to total assets | 62.5022% | 3,536 |
| Net loans and leases to deposits | 79.8424% | 2,900 |
| Net loans and leases to core deposits | 85.6632% | 2,887 |
| Total domestic deposits to total assets | 78.2820% | 5,134 |
| Equity capital to assets | 9.0828% | 5,230 |
| Core capital (leverage) ratio | 8.7880% | 5,244 |
| Tier 1 risk-based capital ratio | 11.2714% | 5,506 |
| Total risk-based capital ratio | 12.4882% | 5,424 |
| Memoranda: |
| Average total assets | $674,744,750 | 1,027 |
| Average earning assets | $625,247,500 | 1,017 |
| Average equity | $61,442,000 | 1,231 |
| Average total loans | $429,436,750 | 1,070 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8852% | 3,747 |
| Cost of funding earning assets | 0.6696% | 999 |
| Net interest margin | 3.2155% | 4,613 |
| Noninterest income to average assets | 0.8704% | 1,540 |
| Noninterest expense to average assets | 3.0191% | 2,496 |
| Loan and lease loss provision to assets | 0.0538% | 3,042 |
| Net operating income to assets | 0.6679% | 4,041 |
| Return on assets (ROA) | 0.7096% | 3,971 |
| Pretax return on assets | 0.8318% | 4,201 |
| Return on Equity (ROE) | 7.7855% | 3,173 |
| Retained earnings to average equity (ytd only) | 3.5222% | 3,788 |
| Net charge-offs to loans | 0.0272% | 3,130 |
| Credit loss provision to net charge-offs | 310.3448% | 910 |
| Earnings coverage of net charge-offs (x) | 48.2586% | 981 |
| Efficiency ratio | 78.3023% | 2,023 |
| Assets per employee ($millions) | 3.7005% | 4,427 |
| Cash dividends to net income (ytd only)* | 54.7599% | 1,746 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4136% | 2,694 |
| Loan loss allowance to noncurrent loans | 83.2451% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 1.1085% | 2,287 |
| Noncurrent loans to loans | 1.6981% | 1,523 |
| Net loans and leases to total assets | 62.7969% | 3,436 |
| Net loans and leases to deposits | 78.7006% | 2,939 |
| Net loans and leases to core deposits | 84.3798% | 2,943 |
| Total domestic deposits to total assets | 79.7922% | 4,910 |
| Equity capital to assets | 8.9188% | 5,321 |
| Core capital (leverage) ratio | 8.8007% | 5,223 |
| Tier 1 risk-based capital ratio | 10.9204% | 5,752 |
| Total risk-based capital ratio | 12.0983% | 5,708 |
| Memoranda: |
| Average total assets | $669,143,000 | 1,040 |
| Average earning assets | $621,232,330 | 1,025 |
| Average equity | $60,985,330 | 1,248 |
| Average total loans | $426,432,330 | 1,079 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9603% | 3,379 |
| Cost of funding earning assets | 0.6764% | 971 |
| Net interest margin | 3.2839% | 4,283 |
| Noninterest income to average assets | 0.8515% | 1,558 |
| Noninterest expense to average assets | 3.0232% | 2,504 |
| Loan and lease loss provision to assets | 0.0543% | 2,851 |
| Net operating income to assets | 0.6857% | 3,867 |
| Return on assets (ROA) | 0.7653% | 3,585 |
| Pretax return on assets | 0.9179% | 3,820 |
| Return on Equity (ROE) | 8.3058% | 2,809 |
| Retained earnings to average equity (ytd only) | 4.0514% | 3,575 |
| Net charge-offs to loans | -0.0255% | 5,164 |
| Credit loss provision to net charge-offs | -333.3333% | 4,732 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5286% | 2,263 |
| Assets per employee ($millions) | 3.6932% | 4,527 |
| Cash dividends to net income (ytd only)* | 51.2214% | 1,692 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4400% | 2,739 |
| Loan loss allowance to noncurrent loans | 89.3003% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 1.0548% | 2,508 |
| Noncurrent loans to loans | 1.6125% | 1,726 |
| Net loans and leases to total assets | 62.7250% | 3,264 |
| Net loans and leases to deposits | 79.3741% | 2,631 |
| Net loans and leases to core deposits | 83.1268% | 2,855 |
| Total domestic deposits to total assets | 79.0245% | 5,260 |
| Equity capital to assets | 9.2780% | 4,996 |
| Core capital (leverage) ratio | 8.8354% | 5,154 |
| Tier 1 risk-based capital ratio | 11.5332% | 5,539 |
| Total risk-based capital ratio | 12.7818% | 5,455 |
| Memoranda: |
| Average total assets | $663,267,000 | 1,049 |
| Average earning assets | $615,609,000 | 1,038 |
| Average equity | $61,114,000 | 1,249 |
| Average total loans | $422,792,500 | 1,084 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9624% | 3,864 |
| Cost of funding earning assets | 0.7225% | 991 |
| Net interest margin | 3.2399% | 4,791 |
| Noninterest income to average assets | 0.8689% | 1,608 |
| Noninterest expense to average assets | 2.9662% | 2,946 |
| Loan and lease loss provision to assets | 0.0465% | 3,641 |
| Net operating income to assets | 0.6948% | 3,921 |
| Return on assets (ROA) | 0.7607% | 3,666 |
| Pretax return on assets | 0.9249% | 3,800 |
| Return on Equity (ROE) | 8.6486% | 2,761 |
| Retained earnings to average equity (ytd only) | 4.0670% | 3,312 |
| Net charge-offs to loans | 0.0540% | 3,754 |
| Credit loss provision to net charge-offs | 136.9863% | 1,722 |
| Earnings coverage of net charge-offs (x) | 26.2466% | 1,470 |
| Efficiency ratio | 76.9017% | 2,370 |
| Assets per employee ($millions) | 3.7603% | 4,426 |
| Cash dividends to net income (ytd only)* | 52.9747% | 2,108 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4302% | 2,801 |
| Loan loss allowance to noncurrent loans | 89.5930% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 1.0498% | 2,644 |
| Noncurrent loans to loans | 1.5963% | 1,831 |
| Net loans and leases to total assets | 62.9350% | 3,371 |
| Net loans and leases to deposits | 81.3579% | 2,558 |
| Net loans and leases to core deposits | 85.1316% | 2,772 |
| Total domestic deposits to total assets | 77.3557% | 5,544 |
| Equity capital to assets | 9.1492% | 5,128 |
| Core capital (leverage) ratio | 8.8642% | 5,164 |
| Tier 1 risk-based capital ratio | 11.8886% | 5,435 |
| Total risk-based capital ratio | 13.1530% | 5,336 |
| Memoranda: |
| Average total assets | $645,163,600 | 1,042 |
| Average earning assets | $595,050,200 | 1,031 |
| Average equity | $56,749,200 | 1,292 |
| Average total loans | $405,886,800 | 1,083 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9485% | 3,974 |
| Cost of funding earning assets | 0.7271% | 1,006 |
| Net interest margin | 3.2214% | 4,885 |
| Noninterest income to average assets | 0.8858% | 1,570 |
| Noninterest expense to average assets | 2.9923% | 2,825 |
| Loan and lease loss provision to assets | 0.0208% | 3,993 |
| Net operating income to assets | 0.6921% | 3,983 |
| Return on assets (ROA) | 0.7431% | 3,809 |
| Pretax return on assets | 0.9029% | 3,969 |
| Return on Equity (ROE) | 8.5364% | 2,934 |
| Retained earnings to average equity (ytd only) | 3.8841% | 3,888 |
| Net charge-offs to loans | 0.0736% | 3,142 |
| Credit loss provision to net charge-offs | 45.0450% | 3,197 |
| Earnings coverage of net charge-offs (x) | 18.6804% | 1,827 |
| Efficiency ratio | 77.6490% | 2,241 |
| Assets per employee ($millions) | 3.7038% | 4,483 |
| Cash dividends to net income (ytd only)* | 54.4998% | 1,626 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4134% | 3,105 |
| Loan loss allowance to noncurrent loans | 172.5409% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 0.5394% | 4,255 |
| Noncurrent loans to loans | 0.8191% | 3,530 |
| Net loans and leases to total assets | 61.7753% | 3,519 |
| Net loans and leases to deposits | 78.5333% | 2,891 |
| Net loans and leases to core deposits | 82.3437% | 3,066 |
| Total domestic deposits to total assets | 78.6613% | 5,402 |
| Equity capital to assets | 8.9013% | 5,459 |
| Core capital (leverage) ratio | 8.9058% | 5,185 |
| Tier 1 risk-based capital ratio | 12.0155% | 5,475 |
| Total risk-based capital ratio | 13.2664% | 5,391 |
| Memoranda: |
| Average total assets | $641,939,500 | 1,056 |
| Average earning assets | $591,401,750 | 1,046 |
| Average equity | $55,884,750 | 1,311 |
| Average total loans | $402,318,750 | 1,088 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9391% | 3,978 |
| Cost of funding earning assets | 0.7218% | 1,072 |
| Net interest margin | 3.2172% | 4,885 |
| Noninterest income to average assets | 0.8770% | 1,568 |
| Noninterest expense to average assets | 3.0480% | 2,663 |
| Loan and lease loss provision to assets | 0.0157% | 3,948 |
| Net operating income to assets | 0.6474% | 4,113 |
| Return on assets (ROA) | 0.6875% | 4,002 |
| Pretax return on assets | 0.8202% | 4,195 |
| Return on Equity (ROE) | 7.9584% | 3,119 |
| Retained earnings to average equity (ytd only) | 3.2364% | 4,145 |
| Net charge-offs to loans | 0.1116% | 2,545 |
| Credit loss provision to net charge-offs | 22.4215% | 3,167 |
| Earnings coverage of net charge-offs (x) | 11.2646% | 2,175 |
| Efficiency ratio | 79.4536% | 2,099 |
| Assets per employee ($millions) | 3.6597% | 4,528 |
| Cash dividends to net income (ytd only)* | 59.3336% | 1,538 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4055% | 3,324 |
| Loan loss allowance to noncurrent loans | 119.2252% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 0.7845% | 3,614 |
| Noncurrent loans to loans | 1.1789% | 2,878 |
| Net loans and leases to total assets | 62.6763% | 3,290 |
| Net loans and leases to deposits | 80.8602% | 2,400 |
| Net loans and leases to core deposits | 84.9172% | 2,627 |
| Total domestic deposits to total assets | 77.5119% | 5,716 |
| Equity capital to assets | 8.9556% | 5,350 |
| Core capital (leverage) ratio | 8.9301% | 5,113 |
| Tier 1 risk-based capital ratio | 11.8448% | 5,628 |
| Total risk-based capital ratio | 13.0832% | 5,559 |
| Memoranda: |
| Average total assets | $637,393,000 | 1,059 |
| Average earning assets | $586,282,670 | 1,052 |
| Average equity | $55,061,330 | 1,316 |
| Average total loans | $399,494,330 | 1,093 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9354% | 3,947 |
| Cost of funding earning assets | 0.7150% | 1,157 |
| Net interest margin | 3.2204% | 4,857 |
| Noninterest income to average assets | 0.8504% | 1,562 |
| Noninterest expense to average assets | 3.0061% | 2,842 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6829% | 3,766 |
| Return on assets (ROA) | 0.6347% | 4,115 |
| Pretax return on assets | 0.7482% | 4,319 |
| Return on Equity (ROE) | 7.4864% | 3,211 |
| Retained earnings to average equity (ytd only) | 2.6493% | 4,489 |
| Net charge-offs to loans | -0.0081% | 4,964 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8777% | 2,352 |
| Assets per employee ($millions) | 3.6965% | 4,528 |
| Cash dividends to net income (ytd only)* | 64.6123% | 1,282 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4775% | 3,250 |
| Loan loss allowance to noncurrent loans | 105.6416% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 0.9153% | 3,437 |
| Noncurrent loans to loans | 1.3986% | 2,685 |
| Net loans and leases to total assets | 61.8967% | 3,253 |
| Net loans and leases to deposits | 80.0084% | 2,292 |
| Net loans and leases to core deposits | 84.3317% | 2,480 |
| Total domestic deposits to total assets | 77.3627% | 5,920 |
| Equity capital to assets | 8.6282% | 5,518 |
| Core capital (leverage) ratio | 8.9423% | 5,087 |
| Tier 1 risk-based capital ratio | 11.8999% | 5,710 |
| Total risk-based capital ratio | 13.1939% | 5,610 |
| Memoranda: |
| Average total assets | $634,039,500 | 1,073 |
| Average earning assets | $582,909,500 | 1,064 |
| Average equity | $53,750,500 | 1,347 |
| Average total loans | $394,515,000 | 1,114 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0479% | 3,928 |
| Cost of funding earning assets | 0.7371% | 1,577 |
| Net interest margin | 3.3107% | 4,627 |
| Noninterest income to average assets | 0.9693% | 1,464 |
| Noninterest expense to average assets | 3.2133% | 2,375 |
| Loan and lease loss provision to assets | -0.1492% | 6,544 |
| Net operating income to assets | 0.7599% | 3,500 |
| Return on assets (ROA) | 0.8064% | 3,359 |
| Pretax return on assets | 0.9889% | 3,393 |
| Return on Equity (ROE) | 8.9173% | 2,585 |
| Retained earnings to average equity (ytd only) | 5.8929% | 2,043 |
| Net charge-offs to loans | 0.0104% | 5,240 |
| Credit loss provision to net charge-offs | -2,307.6923% | 6,331 |
| Earnings coverage of net charge-offs (x) | 121.1282% | 390 |
| Efficiency ratio | 80.4065% | 2,085 |
| Assets per employee ($millions) | 3.7194% | 4,439 |
| Cash dividends to net income (ytd only)* | 33.9157% | 3,108 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5307% | 3,050 |
| Loan loss allowance to noncurrent loans | 99.2466% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 0.9879% | 3,439 |
| Noncurrent loans to loans | 1.5423% | 2,580 |
| Net loans and leases to total assets | 60.6665% | 3,594 |
| Net loans and leases to deposits | 77.1355% | 2,838 |
| Net loans and leases to core deposits | 79.9898% | 3,137 |
| Total domestic deposits to total assets | 78.6492% | 5,718 |
| Equity capital to assets | 8.3241% | 5,766 |
| Core capital (leverage) ratio | 8.8878% | 5,157 |
| Tier 1 risk-based capital ratio | 12.1342% | 5,537 |
| Total risk-based capital ratio | 13.4491% | 5,425 |
| Memoranda: |
| Average total assets | $603,303,400 | 1,101 |
| Average earning assets | $551,598,600 | 1,098 |
| Average equity | $54,557,000 | 1,306 |
| Average total loans | $373,846,600 | 1,138 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0399% | 3,977 |
| Cost of funding earning assets | 0.7338% | 1,719 |
| Net interest margin | 3.3062% | 4,612 |
| Noninterest income to average assets | 0.9590% | 1,582 |
| Noninterest expense to average assets | 3.2737% | 2,132 |
| Loan and lease loss provision to assets | -0.0670% | 6,571 |
| Net operating income to assets | 0.6519% | 4,108 |
| Return on assets (ROA) | 0.7221% | 3,873 |
| Pretax return on assets | 0.8547% | 4,074 |
| Return on Equity (ROE) | 7.8210% | 3,215 |
| Retained earnings to average equity (ytd only) | 5.1600% | 2,962 |
| Net charge-offs to loans | 0.0140% | 4,854 |
| Credit loss provision to net charge-offs | -769.2308% | 6,141 |
| Earnings coverage of net charge-offs (x) | 80.8440% | 586 |
| Efficiency ratio | 82.2975% | 1,790 |
| Assets per employee ($millions) | 3.6944% | 4,463 |
| Cash dividends to net income (ytd only)* | 34.0241% | 2,517 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7180% | 2,569 |
| Loan loss allowance to noncurrent loans | 106.2327% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 1.0159% | 3,620 |
| Noncurrent loans to loans | 1.6172% | 2,750 |
| Net loans and leases to total assets | 59.1134% | 3,835 |
| Net loans and leases to deposits | 75.5535% | 3,018 |
| Net loans and leases to core deposits | 78.1181% | 3,347 |
| Total domestic deposits to total assets | 78.2405% | 5,869 |
| Equity capital to assets | 8.3799% | 5,852 |
| Core capital (leverage) ratio | 8.9015% | 5,261 |
| Tier 1 risk-based capital ratio | 12.0930% | 5,726 |
| Total risk-based capital ratio | 13.4096% | 5,615 |
| Memoranda: |
| Average total assets | $596,982,750 | 1,122 |
| Average earning assets | $545,110,250 | 1,119 |
| Average equity | $55,115,250 | 1,303 |
| Average total loans | $370,491,000 | 1,150 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0399% | 3,959 |
| Cost of funding earning assets | 0.7351% | 1,806 |
| Net interest margin | 3.3048% | 4,563 |
| Noninterest income to average assets | 0.9494% | 1,659 |
| Noninterest expense to average assets | 3.3505% | 1,934 |
| Loan and lease loss provision to assets | -0.0512% | 6,648 |
| Net operating income to assets | 0.5789% | 4,410 |
| Return on assets (ROA) | 0.6597% | 4,171 |
| Pretax return on assets | 0.7598% | 4,468 |
| Return on Equity (ROE) | 6.9161% | 3,653 |
| Retained earnings to average equity (ytd only) | 4.9462% | 3,088 |
| Net charge-offs to loans | 0.0212% | 4,413 |
| Credit loss provision to net charge-offs | -384.6154% | 5,863 |
| Earnings coverage of net charge-offs (x) | 46.2051% | 840 |
| Efficiency ratio | 84.4776% | 1,580 |
| Assets per employee ($millions) | 3.5521% | 4,747 |
| Cash dividends to net income (ytd only)* | 28.4827% | 2,715 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7956% | 2,451 |
| Loan loss allowance to noncurrent loans | 90.6488% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 1.2451% | 3,263 |
| Noncurrent loans to loans | 1.9808% | 2,425 |
| Net loans and leases to total assets | 59.7886% | 3,696 |
| Net loans and leases to deposits | 77.2356% | 2,687 |
| Net loans and leases to core deposits | 79.2588% | 3,118 |
| Total domestic deposits to total assets | 77.4107% | 6,072 |
| Equity capital to assets | 8.6464% | 5,617 |
| Core capital (leverage) ratio | 9.0404% | 4,922 |
| Tier 1 risk-based capital ratio | 12.1449% | 5,714 |
| Total risk-based capital ratio | 13.4599% | 5,619 |
| Memoranda: |
| Average total assets | $585,397,670 | 1,151 |
| Average earning assets | $534,369,670 | 1,146 |
| Average equity | $55,840,670 | 1,293 |
| Average total loans | $367,331,330 | 1,156 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9922% | 4,152 |
| Cost of funding earning assets | 0.7350% | 1,961 |
| Net interest margin | 3.2572% | 4,698 |
| Noninterest income to average assets | 1.0052% | 1,446 |
| Noninterest expense to average assets | 3.4809% | 1,658 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4426% | 4,948 |
| Return on assets (ROA) | 0.6098% | 4,330 |
| Pretax return on assets | 0.6895% | 4,623 |
| Return on Equity (ROE) | 6.0891% | 3,990 |
| Retained earnings to average equity (ytd only) | 6.0891% | 2,629 |
| Net charge-offs to loans | 0.0088% | 3,978 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 89.3750% | 429 |
| Efficiency ratio | 87.4517% | 1,380 |
| Assets per employee ($millions) | 3.3308% | 5,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8462% | 2,458 |
| Loan loss allowance to noncurrent loans | 100.7343% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 1.2001% | 3,571 |
| Noncurrent loans to loans | 1.8327% | 2,824 |
| Net loans and leases to total assets | 61.8550% | 3,089 |
| Net loans and leases to deposits | 78.3673% | 2,291 |
| Net loans and leases to core deposits | 81.3774% | 2,643 |
| Total domestic deposits to total assets | 78.9295% | 5,973 |
| Equity capital to assets | 9.7736% | 4,461 |
| Core capital (leverage) ratio | 9.5273% | 4,031 |
| Tier 1 risk-based capital ratio | 12.3507% | 5,680 |
| Total risk-based capital ratio | 13.6668% | 5,575 |
| Memoranda: |
| Average total assets | $572,616,000 | 1,185 |
| Average earning assets | $523,024,500 | 1,183 |
| Average equity | $57,348,000 | 1,275 |
| Average total loans | $365,015,000 | 1,175 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3224% | 4,118 |
| Cost of funding earning assets | 0.9088% | 1,890 |
| Net interest margin | 3.4136% | 4,838 |
| Noninterest income to average assets | 1.0463% | 1,416 |
| Noninterest expense to average assets | 3.3373% | 2,233 |
| Loan and lease loss provision to assets | 0.0481% | 5,222 |
| Net operating income to assets | 0.6489% | 3,992 |
| Return on assets (ROA) | 0.7640% | 3,692 |
| Pretax return on assets | 0.9215% | 3,854 |
| Return on Equity (ROE) | 7.7587% | 3,203 |
| Retained earnings to average equity (ytd only) | 6.8544% | 1,637 |
| Net charge-offs to loans | 0.1229% | 4,450 |
| Credit loss provision to net charge-offs | 60.6742% | 4,424 |
| Earnings coverage of net charge-offs (x) | 10.4831% | 2,134 |
| Efficiency ratio | 80.0675% | 2,133 |
| Assets per employee ($millions) | 3.1573% | 5,720 |
| Cash dividends to net income (ytd only)* | 11.6550% | 4,022 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9155% | 2,250 |
| Loan loss allowance to noncurrent loans | 96.6095% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 1.3310% | 3,416 |
| Noncurrent loans to loans | 1.9827% | 2,717 |
| Net loans and leases to total assets | 63.2804% | 3,011 |
| Net loans and leases to deposits | 76.3019% | 2,750 |
| Net loans and leases to core deposits | 79.0896% | 3,138 |
| Total domestic deposits to total assets | 82.9343% | 4,747 |
| Equity capital to assets | 10.2713% | 3,797 |
| Core capital (leverage) ratio | 9.5471% | 4,040 |
| Tier 1 risk-based capital ratio | 12.8244% | 5,235 |
| Total risk-based capital ratio | 14.1424% | 5,124 |
| Memoranda: |
| Average total assets | $561,503,200 | 1,182 |
| Average earning assets | $513,508,400 | 1,182 |
| Average equity | $55,293,000 | 1,291 |
| Average total loans | $362,011,800 | 1,155 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3592% | 4,211 |
| Cost of funding earning assets | 0.9424% | 1,893 |
| Net interest margin | 3.4168% | 4,978 |
| Noninterest income to average assets | 1.0513% | 1,374 |
| Noninterest expense to average assets | 3.3105% | 2,243 |
| Loan and lease loss provision to assets | 0.0829% | 4,589 |
| Net operating income to assets | 0.6527% | 4,129 |
| Return on assets (ROA) | 0.7344% | 4,007 |
| Pretax return on assets | 0.8862% | 4,172 |
| Return on Equity (ROE) | 7.5383% | 3,507 |
| Retained earnings to average equity (ytd only) | 7.5383% | 1,835 |
| Net charge-offs to loans | 0.1021% | 4,371 |
| Credit loss provision to net charge-offs | 125.8993% | 2,285 |
| Earnings coverage of net charge-offs (x) | 13.2229% | 1,931 |
| Efficiency ratio | 79.1775% | 2,212 |
| Assets per employee ($millions) | 3.1859% | 5,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9848% | 2,204 |
| Loan loss allowance to noncurrent loans | 94.8161% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 1.5058% | 3,330 |
| Noncurrent loans to loans | 2.0933% | 2,746 |
| Net loans and leases to total assets | 62.3086% | 3,335 |
| Net loans and leases to deposits | 75.3043% | 3,092 |
| Net loans and leases to core deposits | 78.6176% | 3,371 |
| Total domestic deposits to total assets | 82.7424% | 4,744 |
| Equity capital to assets | 10.1153% | 4,329 |
| Core capital (leverage) ratio | 9.4384% | 4,364 |
| Tier 1 risk-based capital ratio | 12.8453% | 5,373 |
| Total risk-based capital ratio | 14.1607% | 5,285 |
| Memoranda: |
| Average total assets | $562,958,500 | 1,194 |
| Average earning assets | $515,679,250 | 1,190 |
| Average equity | $54,847,250 | 1,309 |
| Average total loans | $362,888,500 | 1,159 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4412% | 4,023 |
| Cost of funding earning assets | 0.9738% | 1,915 |
| Net interest margin | 3.4675% | 4,808 |
| Noninterest income to average assets | 0.9690% | 1,550 |
| Noninterest expense to average assets | 3.2713% | 2,386 |
| Loan and lease loss provision to assets | 0.1066% | 4,191 |
| Net operating income to assets | 0.6414% | 4,159 |
| Return on assets (ROA) | 0.7635% | 3,802 |
| Pretax return on assets | 0.9178% | 4,015 |
| Return on Equity (ROE) | 7.9385% | 3,286 |
| Retained earnings to average equity (ytd only) | 7.9385% | 1,660 |
| Net charge-offs to loans | 0.0412% | 4,801 |
| Credit loss provision to net charge-offs | 400.0000% | 730 |
| Earnings coverage of net charge-offs (x) | 32.9067% | 1,012 |
| Efficiency ratio | 78.8536% | 2,342 |
| Assets per employee ($millions) | 3.2426% | 5,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0389% | 2,132 |
| Loan loss allowance to noncurrent loans | 86.8962% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 1.6580% | 3,232 |
| Noncurrent loans to loans | 2.3463% | 2,552 |
| Net loans and leases to total assets | 62.6112% | 3,305 |
| Net loans and leases to deposits | 76.3048% | 2,944 |
| Net loans and leases to core deposits | 80.9374% | 3,094 |
| Total domestic deposits to total assets | 82.0541% | 5,106 |
| Equity capital to assets | 9.9537% | 4,409 |
| Core capital (leverage) ratio | 9.1884% | 4,629 |
| Tier 1 risk-based capital ratio | 12.7600% | 5,369 |
| Total risk-based capital ratio | 14.0689% | 5,298 |
| Memoranda: |
| Average total assets | $562,645,330 | 1,196 |
| Average earning assets | $515,940,330 | 1,185 |
| Average equity | $54,116,330 | 1,317 |
| Average total loans | $364,360,670 | 1,153 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4513% | 4,111 |
| Cost of funding earning assets | 0.9972% | 1,996 |
| Net interest margin | 3.4542% | 4,898 |
| Noninterest income to average assets | 0.9591% | 1,539 |
| Noninterest expense to average assets | 3.1718% | 2,691 |
| Loan and lease loss provision to assets | 0.1062% | 4,019 |
| Net operating income to assets | 0.7163% | 3,799 |
| Return on assets (ROA) | 0.7163% | 4,024 |
| Pretax return on assets | 0.8466% | 4,241 |
| Return on Equity (ROE) | 7.5781% | 3,462 |
| Retained earnings to average equity (ytd only) | 7.5781% | 2,138 |
| Net charge-offs to loans | 0.0195% | 4,418 |
| Credit loss provision to net charge-offs | 833.3333% | 417 |
| Earnings coverage of net charge-offs (x) | 74.7778% | 450 |
| Efficiency ratio | 76.9006% | 2,665 |
| Assets per employee ($millions) | 3.5327% | 5,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9604% | 2,489 |
| Loan loss allowance to noncurrent loans | 83.7028% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 1.5763% | 3,491 |
| Noncurrent loans to loans | 2.3421% | 2,756 |
| Net loans and leases to total assets | 62.6973% | 3,125 |
| Net loans and leases to deposits | 76.6503% | 2,709 |
| Net loans and leases to core deposits | 81.0532% | 2,942 |
| Total domestic deposits to total assets | 81.7965% | 5,361 |
| Equity capital to assets | 9.4324% | 4,899 |
| Core capital (leverage) ratio | 8.9532% | 4,912 |
| Tier 1 risk-based capital ratio | 12.3047% | 5,755 |
| Total risk-based capital ratio | 13.6040% | 5,678 |
| Memoranda: |
| Average total assets | $565,102,500 | 1,196 |
| Average earning assets | $517,867,000 | 1,181 |
| Average equity | $53,417,000 | 1,328 |
| Average total loans | $368,306,000 | 1,146 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7512% | 4,024 |
| Cost of funding earning assets | 1.1944% | 2,070 |
| Net interest margin | 3.5567% | 4,903 |
| Noninterest income to average assets | 1.1633% | 971 |
| Noninterest expense to average assets | 3.4769% | 2,044 |
| Loan and lease loss provision to assets | 0.1435% | 4,818 |
| Net operating income to assets | 0.6573% | 3,704 |
| Return on assets (ROA) | 0.7821% | 3,291 |
| Pretax return on assets | 0.9272% | 3,525 |
| Return on Equity (ROE) | 8.8327% | 2,533 |
| Retained earnings to average equity (ytd only) | 8.8327% | 847 |
| Net charge-offs to loans | 0.0005% | 6,439 |
| Credit loss provision to net charge-offs | 40,000.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 2,570.5000% | 4 |
| Efficiency ratio | 79.0369% | 2,442 |
| Assets per employee ($millions) | 3.4019% | 5,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9003% | 2,567 |
| Loan loss allowance to noncurrent loans | 108.4874% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 1.2300% | 4,177 |
| Noncurrent loans to loans | 1.7517% | 3,528 |
| Net loans and leases to total assets | 65.1684% | 2,943 |
| Net loans and leases to deposits | 79.7873% | 2,560 |
| Net loans and leases to core deposits | 84.5013% | 2,815 |
| Total domestic deposits to total assets | 81.6777% | 5,244 |
| Equity capital to assets | 9.4733% | 4,924 |
| Core capital (leverage) ratio | 8.9112% | 4,914 |
| Tier 1 risk-based capital ratio | 12.2596% | 5,639 |
| Total risk-based capital ratio | 13.5573% | 5,583 |
| Memoranda: |
| Average total assets | $557,479,000 | 1,184 |
| Average earning assets | $507,181,800 | 1,193 |
| Average equity | $49,361,800 | 1,380 |
| Average total loans | $373,222,400 | 1,136 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7865% | 4,083 |
| Cost of funding earning assets | 1.2270% | 2,146 |
| Net interest margin | 3.5595% | 4,945 |
| Noninterest income to average assets | 1.2286% | 870 |
| Noninterest expense to average assets | 3.4968% | 1,947 |
| Loan and lease loss provision to assets | 0.1555% | 4,522 |
| Net operating income to assets | 0.6798% | 3,716 |
| Return on assets (ROA) | 0.8052% | 3,298 |
| Pretax return on assets | 0.9595% | 3,561 |
| Return on Equity (ROE) | 9.2554% | 2,480 |
| Retained earnings to average equity (ytd only) | 9.2554% | 1,056 |
| Net charge-offs to loans | -0.0007% | 6,655 |
| Credit loss provision to net charge-offs | -32,500.0000% | 6,925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3597% | 2,498 |
| Assets per employee ($millions) | 3.3817% | 5,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8347% | 2,815 |
| Loan loss allowance to noncurrent loans | 113.8871% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 1.8010% | 3,394 |
| Noncurrent loans to loans | 1.6110% | 3,880 |
| Net loans and leases to total assets | 66.5395% | 2,772 |
| Net loans and leases to deposits | 83.0336% | 2,166 |
| Net loans and leases to core deposits | 88.2045% | 2,460 |
| Total domestic deposits to total assets | 80.1357% | 5,698 |
| Equity capital to assets | 9.3049% | 5,374 |
| Core capital (leverage) ratio | 8.9933% | 4,942 |
| Tier 1 risk-based capital ratio | 11.6955% | 6,112 |
| Total risk-based capital ratio | 12.9851% | 6,076 |
| Memoranda: |
| Average total assets | $557,372,750 | 1,198 |
| Average earning assets | $506,388,500 | 1,196 |
| Average equity | $48,489,250 | 1,412 |
| Average total loans | $373,873,000 | 1,147 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8060% | 4,079 |
| Cost of funding earning assets | 1.2459% | 2,278 |
| Net interest margin | 3.5601% | 4,883 |
| Noninterest income to average assets | 1.1195% | 1,032 |
| Noninterest expense to average assets | 3.4727% | 2,059 |
| Loan and lease loss provision to assets | 0.1791% | 4,124 |
| Net operating income to assets | 0.6072% | 4,028 |
| Return on assets (ROA) | 0.7297% | 3,507 |
| Pretax return on assets | 0.8422% | 3,864 |
| Return on Equity (ROE) | 8.5857% | 2,685 |
| Retained earnings to average equity (ytd only) | 8.5857% | 1,237 |
| Net charge-offs to loans | -0.0032% | 6,552 |
| Credit loss provision to net charge-offs | -8,333.3333% | 6,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7729% | 2,424 |
| Assets per employee ($millions) | 3.4341% | 5,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8122% | 2,948 |
| Loan loss allowance to noncurrent loans | 159.4097% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 1.4746% | 3,997 |
| Noncurrent loans to loans | 1.1368% | 4,760 |
| Net loans and leases to total assets | 66.1581% | 3,000 |
| Net loans and leases to deposits | 83.7763% | 2,138 |
| Net loans and leases to core deposits | 88.9252% | 2,510 |
| Total domestic deposits to total assets | 78.9699% | 6,097 |
| Equity capital to assets | 8.8614% | 5,754 |
| Core capital (leverage) ratio | 8.4537% | 5,626 |
| Tier 1 risk-based capital ratio | 11.2426% | 6,358 |
| Total risk-based capital ratio | 12.5403% | 6,320 |
| Memoranda: |
| Average total assets | $558,299,670 | 1,204 |
| Average earning assets | $507,113,670 | 1,202 |
| Average equity | $47,451,000 | 1,428 |
| Average total loans | $373,190,670 | 1,165 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8749% | 3,705 |
| Cost of funding earning assets | 1.2525% | 2,490 |
| Net interest margin | 3.6224% | 4,475 |
| Noninterest income to average assets | 1.0267% | 1,249 |
| Noninterest expense to average assets | 3.3597% | 2,383 |
| Loan and lease loss provision to assets | 0.2139% | 3,512 |
| Net operating income to assets | 0.6389% | 3,810 |
| Return on assets (ROA) | 0.7444% | 3,371 |
| Pretax return on assets | 0.8606% | 3,661 |
| Return on Equity (ROE) | 8.9461% | 2,496 |
| Retained earnings to average equity (ytd only) | 8.9461% | 1,395 |
| Net charge-offs to loans | -0.0075% | 6,297 |
| Credit loss provision to net charge-offs | -4,285.7143% | 6,353 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9229% | 2,856 |
| Assets per employee ($millions) | 3.6169% | 4,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7587% | 3,140 |
| Loan loss allowance to noncurrent loans | 156.7839% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 1.4285% | 4,131 |
| Noncurrent loans to loans | 1.1217% | 4,828 |
| Net loans and leases to total assets | 64.4538% | 3,363 |
| Net loans and leases to deposits | 80.4432% | 2,626 |
| Net loans and leases to core deposits | 86.1563% | 2,848 |
| Total domestic deposits to total assets | 80.1234% | 5,911 |
| Equity capital to assets | 8.3331% | 6,125 |
| Core capital (leverage) ratio | 8.1850% | 5,989 |
| Tier 1 risk-based capital ratio | 10.8994% | 6,572 |
| Total risk-based capital ratio | 12.1929% | 6,525 |
| Memoranda: |
| Average total assets | $561,002,500 | 1,202 |
| Average earning assets | $508,730,000 | 1,203 |
| Average equity | $46,679,500 | 1,435 |
| Average total loans | $373,518,500 | 1,184 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0418% | 4,359 |
| Cost of funding earning assets | 1.5160% | 2,550 |
| Net interest margin | 3.5258% | 5,131 |
| Noninterest income to average assets | 0.9389% | 1,710 |
| Noninterest expense to average assets | 3.1070% | 3,425 |
| Loan and lease loss provision to assets | 0.3383% | 4,118 |
| Net operating income to assets | 0.5918% | 3,708 |
| Return on assets (ROA) | 0.8005% | 2,932 |
| Pretax return on assets | 0.9662% | 3,045 |
| Return on Equity (ROE) | 9.7474% | 2,020 |
| Retained earnings to average equity (ytd only) | 9.7474% | 562 |
| Net charge-offs to loans | 0.2662% | 4,701 |
| Credit loss provision to net charge-offs | 184.6307% | 1,780 |
| Earnings coverage of net charge-offs (x) | 5.7465% | 2,543 |
| Efficiency ratio | 74.6868% | 3,258 |
| Assets per employee ($millions) | 3.5523% | 4,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6676% | 3,336 |
| Loan loss allowance to noncurrent loans | 137.9196% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 1.5348% | 4,012 |
| Noncurrent loans to loans | 1.2091% | 4,709 |
| Net loans and leases to total assets | 66.4505% | 3,364 |
| Net loans and leases to deposits | 82.2714% | 2,751 |
| Net loans and leases to core deposits | 87.9326% | 3,066 |
| Total domestic deposits to total assets | 80.7699% | 5,602 |
| Equity capital to assets | 8.3080% | 6,135 |
| Core capital (leverage) ratio | 8.0592% | 6,099 |
| Tier 1 risk-based capital ratio | 10.5248% | 6,683 |
| Total risk-based capital ratio | 11.8135% | 6,635 |
| Memoranda: |
| Average total assets | $546,789,400 | 1,223 |
| Average earning assets | $499,545,800 | 1,231 |
| Average equity | $44,904,400 | 1,488 |
| Average total loans | $376,412,800 | 1,204 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0510% | 4,586 |
| Cost of funding earning assets | 1.5580% | 2,621 |
| Net interest margin | 3.4930% | 5,319 |
| Noninterest income to average assets | 0.8629% | 1,943 |
| Noninterest expense to average assets | 2.9512% | 3,918 |
| Loan and lease loss provision to assets | 0.2936% | 4,227 |
| Net operating income to assets | 0.6651% | 3,576 |
| Return on assets (ROA) | 0.8292% | 3,024 |
| Pretax return on assets | 1.0193% | 3,115 |
| Return on Equity (ROE) | 10.1266% | 2,078 |
| Retained earnings to average equity (ytd only) | 10.1266% | 762 |
| Net charge-offs to loans | 0.1090% | 5,444 |
| Credit loss provision to net charge-offs | 389.6104% | 786 |
| Earnings coverage of net charge-offs (x) | 14.7336% | 1,485 |
| Efficiency ratio | 72.6627% | 3,576 |
| Assets per employee ($millions) | 3.6129% | 4,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6739% | 3,238 |
| Loan loss allowance to noncurrent loans | 77.1183% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 1.4998% | 4,204 |
| Noncurrent loans to loans | 2.1706% | 3,480 |
| Net loans and leases to total assets | 65.5454% | 3,787 |
| Net loans and leases to deposits | 83.4622% | 2,795 |
| Net loans and leases to core deposits | 89.9915% | 3,092 |
| Total domestic deposits to total assets | 78.5331% | 6,138 |
| Equity capital to assets | 8.4100% | 6,382 |
| Core capital (leverage) ratio | 8.0779% | 6,233 |
| Tier 1 risk-based capital ratio | 10.5775% | 6,725 |
| Total risk-based capital ratio | 11.8652% | 6,685 |
| Memoranda: |
| Average total assets | $544,948,750 | 1,242 |
| Average earning assets | $499,002,250 | 1,245 |
| Average equity | $44,620,750 | 1,506 |
| Average total loans | $376,895,500 | 1,212 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1103% | 4,399 |
| Cost of funding earning assets | 1.6114% | 2,593 |
| Net interest margin | 3.4989% | 5,247 |
| Noninterest income to average assets | 0.8223% | 2,005 |
| Noninterest expense to average assets | 3.0037% | 3,699 |
| Loan and lease loss provision to assets | 0.2970% | 4,013 |
| Net operating income to assets | 0.6144% | 3,815 |
| Return on assets (ROA) | 0.7276% | 3,440 |
| Pretax return on assets | 0.8542% | 3,685 |
| Return on Equity (ROE) | 8.9713% | 2,477 |
| Retained earnings to average equity (ytd only) | 8.9713% | 1,116 |
| Net charge-offs to loans | 0.0504% | 5,683 |
| Credit loss provision to net charge-offs | 842.1053% | 444 |
| Earnings coverage of net charge-offs (x) | 28.8632% | 943 |
| Efficiency ratio | 74.6885% | 3,334 |
| Assets per employee ($millions) | 3.6117% | 4,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6102% | 3,402 |
| Loan loss allowance to noncurrent loans | 72.6688% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 1.5951% | 4,053 |
| Noncurrent loans to loans | 2.2159% | 3,466 |
| Net loans and leases to total assets | 68.3666% | 3,274 |
| Net loans and leases to deposits | 86.6091% | 2,418 |
| Net loans and leases to core deposits | 95.0876% | 2,577 |
| Total domestic deposits to total assets | 78.9369% | 6,056 |
| Equity capital to assets | 8.3575% | 6,347 |
| Core capital (leverage) ratio | 7.7847% | 6,519 |
| Tier 1 risk-based capital ratio | 10.1538% | 6,940 |
| Total risk-based capital ratio | 11.4367% | 6,890 |
| Memoranda: |
| Average total assets | $538,729,670 | 1,264 |
| Average earning assets | $492,616,670 | 1,268 |
| Average equity | $43,694,670 | 1,521 |
| Average total loans | $377,291,670 | 1,221 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0744% | 4,655 |
| Cost of funding earning assets | 1.6400% | 2,710 |
| Net interest margin | 3.4344% | 5,450 |
| Noninterest income to average assets | 0.7964% | 2,041 |
| Noninterest expense to average assets | 2.9779% | 3,756 |
| Loan and lease loss provision to assets | 0.2988% | 3,644 |
| Net operating income to assets | 0.5683% | 4,038 |
| Return on assets (ROA) | 0.5760% | 4,142 |
| Pretax return on assets | 0.6672% | 4,347 |
| Return on Equity (ROE) | 7.2136% | 3,237 |
| Retained earnings to average equity (ytd only) | 7.2136% | 2,040 |
| Net charge-offs to loans | 0.0924% | 4,495 |
| Credit loss provision to net charge-offs | 459.7701% | 919 |
| Earnings coverage of net charge-offs (x) | 14.7241% | 1,412 |
| Efficiency ratio | 75.6788% | 3,278 |
| Assets per employee ($millions) | 3.6242% | 4,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5066% | 3,878 |
| Loan loss allowance to noncurrent loans | 66.2106% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 1.7365% | 3,874 |
| Noncurrent loans to loans | 2.2755% | 3,427 |
| Net loans and leases to total assets | 68.2118% | 3,337 |
| Net loans and leases to deposits | 86.9681% | 2,410 |
| Net loans and leases to core deposits | 96.3635% | 2,549 |
| Total domestic deposits to total assets | 78.4331% | 6,218 |
| Equity capital to assets | 7.9174% | 6,739 |
| Core capital (leverage) ratio | 7.7596% | 6,553 |
| Tier 1 risk-based capital ratio | 9.8541% | 7,118 |
| Total risk-based capital ratio | 11.1327% | 7,100 |
| Memoranda: |
| Average total assets | $535,411,500 | 1,304 |
| Average earning assets | $489,280,000 | 1,304 |
| Average equity | $42,752,500 | 1,563 |
| Average total loans | $376,462,500 | 1,262 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5759% | 3,725 |
| Cost of funding earning assets | 2.0364% | 2,792 |
| Net interest margin | 3.5395% | 4,781 |
| Noninterest income to average assets | 0.9143% | 1,888 |
| Noninterest expense to average assets | 2.9106% | 4,500 |
| Loan and lease loss provision to assets | 0.4709% | 3,997 |
| Net operating income to assets | 0.6488% | 3,141 |
| Return on assets (ROA) | 0.7769% | 2,708 |
| Pretax return on assets | 0.9229% | 2,851 |
| Return on Equity (ROE) | 9.6059% | 1,817 |
| Retained earnings to average equity (ytd only) | 7.4721% | 828 |
| Net charge-offs to loans | 0.0710% | 6,404 |
| Credit loss provision to net charge-offs | 930.1587% | 317 |
| Earnings coverage of net charge-offs (x) | 24.5198% | 903 |
| Efficiency ratio | 70.1021% | 4,601 |
| Assets per employee ($millions) | 3.4446% | 5,141 |
| Cash dividends to net income (ytd only)* | 22.2136% | 3,604 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4433% | 4,017 |
| Loan loss allowance to noncurrent loans | 65.7369% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 1.7510% | 3,745 |
| Noncurrent loans to loans | 2.1956% | 3,392 |
| Net loans and leases to total assets | 70.3873% | 3,163 |
| Net loans and leases to deposits | 90.3260% | 2,171 |
| Net loans and leases to core deposits | 109.5749% | 2,948 |
| Total domestic deposits to total assets | 77.9259% | 6,234 |
| Equity capital to assets | 8.0556% | 6,521 |
| Core capital (leverage) ratio | 7.8605% | 6,371 |
| Tier 1 risk-based capital ratio | 9.9039% | 6,950 |
| Total risk-based capital ratio | 11.1827% | 6,909 |
| Memoranda: |
| Average total assets | $497,771,400 | 1,383 |
| Average earning assets | $455,318,800 | 1,383 |
| Average equity | $40,256,400 | 1,660 |
| Average total loans | $354,726,600 | 1,362 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6133% | 3,785 |
| Cost of funding earning assets | 2.1129% | 2,836 |
| Net interest margin | 3.5003% | 4,867 |
| Noninterest income to average assets | 0.9020% | 1,974 |
| Noninterest expense to average assets | 2.9227% | 4,358 |
| Loan and lease loss provision to assets | 0.5815% | 3,062 |
| Net operating income to assets | 0.5621% | 3,749 |
| Return on assets (ROA) | 0.5745% | 3,777 |
| Pretax return on assets | 0.6174% | 4,140 |
| Return on Equity (ROE) | 7.0962% | 3,030 |
| Retained earnings to average equity (ytd only) | 4.2168% | 2,917 |
| Net charge-offs to loans | 0.0975% | 5,696 |
| Credit loss provision to net charge-offs | 837.1094% | 455 |
| Earnings coverage of net charge-offs (x) | 17.0667% | 1,425 |
| Efficiency ratio | 71.1408% | 4,402 |
| Assets per employee ($millions) | 3.3501% | 5,256 |
| Cash dividends to net income (ytd only)* | 40.5761% | 2,412 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4241% | 3,813 |
| Loan loss allowance to noncurrent loans | 59.9469% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 1.9183% | 3,471 |
| Noncurrent loans to loans | 2.3756% | 3,172 |
| Net loans and leases to total assets | 71.0460% | 3,260 |
| Net loans and leases to deposits | 93.2142% | 2,021 |
| Net loans and leases to core deposits | 111.2348% | 3,098 |
| Total domestic deposits to total assets | 76.2180% | 6,546 |
| Equity capital to assets | 8.2361% | 6,589 |
| Core capital (leverage) ratio | 7.7209% | 6,704 |
| Tier 1 risk-based capital ratio | 9.3838% | 7,443 |
| Total risk-based capital ratio | 10.6580% | 7,402 |
| Memoranda: |
| Average total assets | $491,321,000 | 1,419 |
| Average earning assets | $450,042,000 | 1,422 |
| Average equity | $39,776,250 | 1,710 |
| Average total loans | $349,926,750 | 1,398 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6291% | 3,921 |
| Cost of funding earning assets | 2.1719% | 2,924 |
| Net interest margin | 3.4571% | 4,973 |
| Noninterest income to average assets | 0.9082% | 1,951 |
| Noninterest expense to average assets | 2.8795% | 4,582 |
| Loan and lease loss provision to assets | 0.1727% | 5,338 |
| Net operating income to assets | 0.8486% | 2,658 |
| Return on assets (ROA) | 0.8190% | 2,876 |
| Pretax return on assets | 0.9842% | 3,069 |
| Return on Equity (ROE) | 10.1769% | 1,962 |
| Retained earnings to average equity (ytd only) | 5.7884% | 2,122 |
| Net charge-offs to loans | 0.1090% | 5,066 |
| Credit loss provision to net charge-offs | 223.4043% | 2,057 |
| Earnings coverage of net charge-offs (x) | 15.4309% | 1,599 |
| Efficiency ratio | 70.7118% | 4,641 |
| Assets per employee ($millions) | 3.4282% | 5,009 |
| Cash dividends to net income (ytd only)* | 43.1225% | 2,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0000% | 6,244 |
| Loan loss allowance to noncurrent loans | 141.9342% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.5442% | 6,069 |
| Noncurrent loans to loans | 0.7046% | 5,836 |
| Net loans and leases to total assets | 69.9591% | 3,715 |
| Net loans and leases to deposits | 92.5573% | 2,356 |
| Net loans and leases to core deposits | 111.7069% | 3,173 |
| Total domestic deposits to total assets | 75.5846% | 6,638 |
| Equity capital to assets | 7.8873% | 6,878 |
| Core capital (leverage) ratio | 7.7293% | 6,706 |
| Tier 1 risk-based capital ratio | 9.4123% | 7,466 |
| Total risk-based capital ratio | 10.3186% | 7,672 |
| Memoranda: |
| Average total assets | $486,474,330 | 1,456 |
| Average earning assets | $445,225,330 | 1,451 |
| Average equity | $39,147,330 | 1,743 |
| Average total loans | $345,040,330 | 1,447 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6989% | 3,812 |
| Cost of funding earning assets | 2.2077% | 3,128 |
| Net interest margin | 3.4912% | 4,769 |
| Noninterest income to average assets | 0.8526% | 2,071 |
| Noninterest expense to average assets | 2.8015% | 4,555 |
| Loan and lease loss provision to assets | 0.1927% | 4,507 |
| Net operating income to assets | 0.8629% | 2,870 |
| Return on assets (ROA) | 0.8752% | 2,968 |
| Pretax return on assets | 1.0662% | 3,121 |
| Return on Equity (ROE) | 10.7639% | 2,039 |
| Retained earnings to average equity (ytd only) | 6.3619% | 2,472 |
| Net charge-offs to loans | 0.2043% | 3,409 |
| Credit loss provision to net charge-offs | 132.7586% | 3,044 |
| Earnings coverage of net charge-offs (x) | 8.5690% | 2,175 |
| Efficiency ratio | 69.2514% | 4,726 |
| Assets per employee ($millions) | 3.3310% | 5,251 |
| Cash dividends to net income (ytd only)* | 40.8961% | 2,047 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9770% | 6,338 |
| Loan loss allowance to noncurrent loans | 185.7459% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.4507% | 6,140 |
| Noncurrent loans to loans | 0.5260% | 6,105 |
| Net loans and leases to total assets | 70.0646% | 3,654 |
| Net loans and leases to deposits | 93.7431% | 2,314 |
| Net loans and leases to core deposits | 111.0086% | 3,308 |
| Total domestic deposits to total assets | 74.7411% | 6,755 |
| Equity capital to assets | 8.1666% | 6,575 |
| Core capital (leverage) ratio | 7.9762% | 6,497 |
| Tier 1 risk-based capital ratio | 9.9938% | 6,932 |
| Total risk-based capital ratio | 10.9233% | 7,197 |
| Memoranda: |
| Average total assets | $479,449,500 | 1,489 |
| Average earning assets | $438,470,000 | 1,481 |
| Average equity | $38,982,000 | 1,742 |
| Average total loans | $340,711,000 | 1,474 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2157% | 4,434 |
| Cost of funding earning assets | 2.7719% | 2,824 |
| Net interest margin | 3.4438% | 5,490 |
| Noninterest income to average assets | 0.8075% | 2,474 |
| Noninterest expense to average assets | 2.6757% | 5,357 |
| Loan and lease loss provision to assets | 0.0646% | 6,585 |
| Net operating income to assets | 0.9708% | 2,687 |
| Return on assets (ROA) | 0.9437% | 2,677 |
| Pretax return on assets | 1.1892% | 2,681 |
| Return on Equity (ROE) | 11.8561% | 1,639 |
| Retained earnings to average equity (ytd only) | 7.2016% | 1,089 |
| Net charge-offs to loans | -0.0016% | 7,734 |
| Credit loss provision to net charge-offs | -5,980.0000% | 7,523 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5037% | 4,814 |
| Assets per employee ($millions) | 3.3755% | 5,016 |
| Cash dividends to net income (ytd only)* | 39.2588% | 3,677 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9798% | 6,213 |
| Loan loss allowance to noncurrent loans | 145.5306% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 0.5371% | 5,562 |
| Noncurrent loans to loans | 0.6732% | 5,349 |
| Net loans and leases to total assets | 70.6796% | 3,862 |
| Net loans and leases to deposits | 94.6674% | 2,667 |
| Net loans and leases to core deposits | 110.9777% | 3,689 |
| Total domestic deposits to total assets | 74.6610% | 6,526 |
| Equity capital to assets | 8.0935% | 6,707 |
| Core capital (leverage) ratio | 7.9552% | 6,563 |
| Tier 1 risk-based capital ratio | 9.9023% | 6,845 |
| Total risk-based capital ratio | 10.8236% | 7,132 |
| Memoranda: |
| Average total assets | $463,167,600 | 1,486 |
| Average earning assets | $424,504,000 | 1,472 |
| Average equity | $36,867,000 | 1,837 |
| Average total loans | $320,744,400 | 1,511 |
