| 2025-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1215% | 1,036 |
| Cost of funding earning assets | 2.0348% | 1,840 |
| Net interest margin | 4.0867% | 1,130 |
| Noninterest income to average assets | 1.8600% | 287 |
| Noninterest expense to average assets | 2.6762% | 1,825 |
| Loan and lease loss provision to assets | 0.0300% | 2,300 |
| Net operating income to assets | 2.2991% | 287 |
| Return on assets (ROA) | 2.2991% | 289 |
| Pretax return on assets | 2.8824% | 208 |
| Return on Equity (ROE) | 19.3400% | 498 |
| Retained earnings to average equity (ytd only) | 14.7676% | 456 |
| Net charge-offs to loans | 0.0140% | 1,743 |
| Credit loss provision to net charge-offs | 327.1605% | 685 |
| Earnings coverage of net charge-offs (x) | 258.1605% | 340 |
| Efficiency ratio | 45.1701% | 4,133 |
| Assets per employee ($millions) | 8.8019% | 1,179 |
| Cash dividends to net income (ytd only)* | 23.6392% | 1,916 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1706% | 2,348 |
| Loan loss allowance to noncurrent loans | 102.2235% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 0.9103% | 797 |
| Noncurrent loans to loans | 1.1451% | 937 |
| Net loans and leases to total assets | 78.5600% | 757 |
| Net loans and leases to deposits | 92.2929% | 894 |
| Net loans and leases to core deposits | 103.3996% | 1,168 |
| Total domestic deposits to total assets | 85.1200% | 2,588 |
| Equity capital to assets | 12.1681% | 1,166 |
| Core capital (leverage) ratio | 10.0183% | 2,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6139% | 2,331 |
| Memoranda: |
| Average total assets | $2,870,288,500 | 441 |
| Average earning assets | $2,623,022,500 | 441 |
| Average equity | $341,232,500 | 401 |
| Average total loans | $2,310,748,000 | 395 |
| 2024-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2094% | 1,021 |
| Cost of funding earning assets | 2.1355% | 1,884 |
| Net interest margin | 4.0739% | 1,086 |
| Noninterest income to average assets | 0.2800% | 3,178 |
| Noninterest expense to average assets | 2.6265% | 1,944 |
| Loan and lease loss provision to assets | 0.0100% | 2,986 |
| Net operating income to assets | 1.0726% | 1,836 |
| Return on assets (ROA) | 1.0728% | 1,841 |
| Pretax return on assets | 1.3728% | 1,575 |
| Return on Equity (ROE) | 9.3600% | 2,343 |
| Retained earnings to average equity (ytd only) | 8.1510% | 1,069 |
| Net charge-offs to loans | 0.0120% | 2,472 |
| Credit loss provision to net charge-offs | 234.6715% | 1,037 |
| Earnings coverage of net charge-offs (x) | 141.8796% | 645 |
| Efficiency ratio | 61.2896% | 3,022 |
| Assets per employee ($millions) | 8.7007% | 1,179 |
| Cash dividends to net income (ytd only)* | 12.9225% | 3,159 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1261% | 2,563 |
| Loan loss allowance to noncurrent loans | 153.9514% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.5962% | 1,216 |
| Noncurrent loans to loans | 0.7314% | 1,356 |
| Net loans and leases to total assets | 80.6000% | 588 |
| Net loans and leases to deposits | 94.5655% | 823 |
| Net loans and leases to core deposits | 106.3700% | 1,105 |
| Total domestic deposits to total assets | 85.2300% | 2,452 |
| Equity capital to assets | 11.6107% | 1,322 |
| Core capital (leverage) ratio | 9.4909% | 3,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5453% | 2,645 |
| Memoranda: |
| Average total assets | $2,813,327,800 | 441 |
| Average earning assets | $2,573,694,400 | 427 |
| Average equity | $322,415,000 | 404 |
| Average total loans | $2,292,484,400 | 382 |
| 2024-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2134% | 984 |
| Cost of funding earning assets | 2.1455% | 1,865 |
| Net interest margin | 4.0679% | 1,055 |
| Noninterest income to average assets | 0.2600% | 3,292 |
| Noninterest expense to average assets | 2.6625% | 1,772 |
| Loan and lease loss provision to assets | 0.0100% | 2,797 |
| Net operating income to assets | 1.0295% | 1,961 |
| Return on assets (ROA) | 1.0297% | 1,963 |
| Pretax return on assets | 1.3184% | 1,719 |
| Return on Equity (ROE) | 9.0200% | 2,468 |
| Retained earnings to average equity (ytd only) | 9.0152% | 1,118 |
| Net charge-offs to loans | 0.0013% | 2,761 |
| Credit loss provision to net charge-offs | 2,259.0909% | 210 |
| Earnings coverage of net charge-offs (x) | 1,262.4545% | 89 |
| Efficiency ratio | 62.4616% | 2,867 |
| Assets per employee ($millions) | 8.9119% | 1,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1450% | 2,507 |
| Loan loss allowance to noncurrent loans | 151.7900% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 0.6075% | 1,181 |
| Noncurrent loans to loans | 0.7543% | 1,310 |
| Net loans and leases to total assets | 79.6100% | 677 |
| Net loans and leases to deposits | 92.8452% | 968 |
| Net loans and leases to core deposits | 103.0727% | 1,287 |
| Total domestic deposits to total assets | 85.7400% | 2,029 |
| Equity capital to assets | 11.5256% | 1,465 |
| Core capital (leverage) ratio | 9.4062% | 3,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4415% | 2,699 |
| Memoranda: |
| Average total assets | $2,796,673,250 | 434 |
| Average earning assets | $2,558,936,500 | 428 |
| Average equity | $319,423,500 | 400 |
| Average total loans | $2,278,716,750 | 381 |
| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2061% | 905 |
| Cost of funding earning assets | 2.1228% | 1,826 |
| Net interest margin | 4.0833% | 1,018 |
| Noninterest income to average assets | 0.2300% | 3,492 |
| Noninterest expense to average assets | 2.7111% | 1,652 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.9801% | 2,059 |
| Return on assets (ROA) | 0.9803% | 2,055 |
| Pretax return on assets | 1.2531% | 1,807 |
| Return on Equity (ROE) | 8.6100% | 2,553 |
| Retained earnings to average equity (ytd only) | 8.6100% | 1,196 |
| Net charge-offs to loans | 0.0044% | 2,298 |
| Credit loss provision to net charge-offs | 542.0000% | 598 |
| Earnings coverage of net charge-offs (x) | 347.7800% | 341 |
| Efficiency ratio | 63.9541% | 2,780 |
| Assets per employee ($millions) | 8.3301% | 1,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1383% | 2,564 |
| Loan loss allowance to noncurrent loans | 248.2576% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 0.3706% | 1,690 |
| Noncurrent loans to loans | 0.4585% | 1,855 |
| Net loans and leases to total assets | 79.9100% | 683 |
| Net loans and leases to deposits | 92.7306% | 1,058 |
| Net loans and leases to core deposits | 105.7202% | 1,171 |
| Total domestic deposits to total assets | 86.1700% | 1,924 |
| Equity capital to assets | 11.2755% | 1,441 |
| Core capital (leverage) ratio | 9.1718% | 3,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0944% | 2,771 |
| Memoranda: |
| Average total assets | $2,769,388,333 | 438 |
| Average earning assets | $2,537,679,333 | 430 |
| Average equity | $315,308,333 | 404 |
| Average total loans | $2,265,575,333 | 387 |
| 2024-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2557% | 789 |
| Cost of funding earning assets | 2.0744% | 1,837 |
| Net interest margin | 4.1813% | 875 |
| Noninterest income to average assets | 0.2200% | 3,505 |
| Noninterest expense to average assets | 2.7809% | 1,513 |
| Loan and lease loss provision to assets | 0.0100% | 2,366 |
| Net operating income to assets | 0.9884% | 1,961 |
| Return on assets (ROA) | 0.9827% | 1,989 |
| Pretax return on assets | 1.2550% | 1,752 |
| Return on Equity (ROE) | 8.5900% | 2,516 |
| Retained earnings to average equity (ytd only) | 8.5879% | 1,398 |
| Net charge-offs to loans | 0.0127% | 1,632 |
| Credit loss provision to net charge-offs | 204.2254% | 805 |
| Earnings coverage of net charge-offs (x) | 121.6901% | 596 |
| Efficiency ratio | 64.3106% | 2,773 |
| Assets per employee ($millions) | 7.9512% | 1,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0616% | 2,995 |
| Loan loss allowance to noncurrent loans | 357.1835% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.2399% | 2,160 |
| Noncurrent loans to loans | 0.2972% | 2,251 |
| Net loans and leases to total assets | 79.8400% | 633 |
| Net loans and leases to deposits | 92.7556% | 965 |
| Net loans and leases to core deposits | 105.7597% | 1,120 |
| Total domestic deposits to total assets | 86.0800% | 2,068 |
| Equity capital to assets | 11.3272% | 1,373 |
| Core capital (leverage) ratio | 9.2295% | 3,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0396% | 2,798 |
| Memoranda: |
| Average total assets | $2,725,462,500 | 446 |
| Average earning assets | $2,493,672,000 | 440 |
| Average equity | $311,879,000 | 412 |
| Average total loans | $2,243,675,000 | 392 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9795% | 1,873 |
| Cost of funding earning assets | 1.9481% | 784 |
| Net interest margin | 3.0314% | 3,277 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | 2.3533% | 2,643 |
| Loan and lease loss provision to assets | -0.0600% | 4,495 |
| Net operating income to assets | 0.4042% | 3,961 |
| Return on assets (ROA) | 0.4042% | 3,951 |
| Pretax return on assets | 0.4853% | 3,930 |
| Return on Equity (ROE) | 3.2000% | 4,081 |
| Retained earnings to average equity (ytd only) | 3.2041% | 3,461 |
| Net charge-offs to loans | -0.0155% | 4,066 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 83.9848% | 618 |
| Assets per employee ($millions) | 9.0237% | 921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0179% | 3,267 |
| Loan loss allowance to noncurrent loans | 353.4587% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.2264% | 2,128 |
| Noncurrent loans to loans | 0.2880% | 2,204 |
| Net loans and leases to total assets | 77.8100% | 907 |
| Net loans and leases to deposits | 91.7687% | 1,073 |
| Net loans and leases to core deposits | 104.2669% | 1,108 |
| Total domestic deposits to total assets | 84.7900% | 2,564 |
| Equity capital to assets | 12.6139% | 890 |
| Core capital (leverage) ratio | 10.7129% | 2,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9242% | 2,290 |
| Memoranda: |
| Average total assets | $1,225,003,250 | 844 |
| Average earning assets | $1,121,663,500 | 843 |
| Average equity | $154,549,000 | 655 |
| Average total loans | $955,421,750 | 759 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8726% | 1,829 |
| Cost of funding earning assets | 1.8650% | 655 |
| Net interest margin | 3.0076% | 3,414 |
| Noninterest income to average assets | -0.1400% | 4,649 |
| Noninterest expense to average assets | 2.3360% | 2,692 |
| Loan and lease loss provision to assets | -0.0100% | 4,374 |
| Net operating income to assets | 0.2438% | 4,237 |
| Return on assets (ROA) | 0.2438% | 4,259 |
| Pretax return on assets | 0.2829% | 4,247 |
| Return on Equity (ROE) | 1.9300% | 4,281 |
| Retained earnings to average equity (ytd only) | 1.9323% | 3,737 |
| Net charge-offs to loans | -0.0209% | 4,131 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 88.7191% | 398 |
| Assets per employee ($millions) | 8.6518% | 1,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0549% | 3,163 |
| Loan loss allowance to noncurrent loans | 213.3500% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 0.3694% | 1,443 |
| Noncurrent loans to loans | 0.4945% | 1,474 |
| Net loans and leases to total assets | 73.9200% | 1,302 |
| Net loans and leases to deposits | 91.2995% | 1,080 |
| Net loans and leases to core deposits | 102.7669% | 1,103 |
| Total domestic deposits to total assets | 80.9600% | 3,435 |
| Equity capital to assets | 11.9938% | 1,051 |
| Core capital (leverage) ratio | 10.4056% | 2,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8756% | 2,345 |
| Memoranda: |
| Average total assets | $1,218,248,333 | 837 |
| Average earning assets | $1,115,718,667 | 835 |
| Average equity | $153,706,333 | 655 |
| Average total loans | $947,591,667 | 748 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7945% | 1,635 |
| Cost of funding earning assets | 1.7081% | 564 |
| Net interest margin | 3.0864% | 3,381 |
| Noninterest income to average assets | -0.6200% | 4,672 |
| Noninterest expense to average assets | 2.3803% | 2,582 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | -0.2070% | 4,554 |
| Return on assets (ROA) | -0.2070% | 4,541 |
| Pretax return on assets | -0.2739% | 4,541 |
| Return on Equity (ROE) | -1.6000% | 4,500 |
| Retained earnings to average equity (ytd only) | -1.5976% | 4,185 |
| Net charge-offs to loans | -0.0009% | 3,303 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 106.9703% | 116 |
| Assets per employee ($millions) | 9.1890% | 877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1134% | 2,988 |
| Loan loss allowance to noncurrent loans | 228.0329% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.3835% | 1,345 |
| Noncurrent loans to loans | 0.4883% | 1,494 |
| Net loans and leases to total assets | 77.6600% | 804 |
| Net loans and leases to deposits | 93.2053% | 835 |
| Net loans and leases to core deposits | 106.0992% | 832 |
| Total domestic deposits to total assets | 83.3200% | 3,237 |
| Equity capital to assets | 12.6891% | 829 |
| Core capital (leverage) ratio | 10.7806% | 2,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5283% | 2,171 |
| Memoranda: |
| Average total assets | $1,178,484,500 | 877 |
| Average earning assets | $1,078,142,500 | 873 |
| Average equity | $152,733,000 | 671 |
| Average total loans | $936,621,000 | 767 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1509% | 1,350 |
| Cost of funding earning assets | 0.5988% | 905 |
| Net interest margin | 3.5520% | 1,778 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 2.5828% | 1,875 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 0.6676% | 3,710 |
| Return on assets (ROA) | 0.6676% | 3,663 |
| Pretax return on assets | 0.8219% | 3,568 |
| Return on Equity (ROE) | 5.4500% | 3,939 |
| Retained earnings to average equity (ytd only) | 5.4467% | 2,855 |
| Net charge-offs to loans | 0.0026% | 2,413 |
| Credit loss provision to net charge-offs | 6,142.8571% | 111 |
| Earnings coverage of net charge-offs (x) | 475.0000% | 347 |
| Efficiency ratio | 72.5414% | 1,380 |
| Assets per employee ($millions) | 8.8031% | 974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5029% | 4,428 |
| Loan loss allowance to noncurrent loans | 96.2459% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 0.4204% | 1,223 |
| Noncurrent loans to loans | 0.5225% | 1,401 |
| Net loans and leases to total assets | 80.0600% | 584 |
| Net loans and leases to deposits | 95.9415% | 644 |
| Net loans and leases to core deposits | 108.7862% | 648 |
| Total domestic deposits to total assets | 83.4400% | 3,324 |
| Equity capital to assets | 13.2430% | 669 |
| Core capital (leverage) ratio | 10.9303% | 1,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8931% | 2,420 |
| Memoranda: |
| Average total assets | $1,056,694,600 | 934 |
| Average earning assets | $964,882,200 | 936 |
| Average equity | $129,527,400 | 755 |
| Average total loans | $807,260,400 | 816 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9494% | 1,362 |
| Cost of funding earning assets | 0.4244% | 1,127 |
| Net interest margin | 3.5250% | 1,591 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 2.4530% | 2,152 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 0.7665% | 3,367 |
| Return on assets (ROA) | 0.7665% | 3,316 |
| Pretax return on assets | 0.9319% | 3,232 |
| Return on Equity (ROE) | 6.4000% | 3,711 |
| Retained earnings to average equity (ytd only) | 6.3966% | 2,596 |
| Net charge-offs to loans | 0.0031% | 2,122 |
| Credit loss provision to net charge-offs | 6,611.1111% | 85 |
| Earnings coverage of net charge-offs (x) | 467.0556% | 334 |
| Efficiency ratio | 68.5995% | 1,942 |
| Assets per employee ($millions) | 8.4687% | 1,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5288% | 4,448 |
| Loan loss allowance to noncurrent loans | 106.7523% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 0.3772% | 1,434 |
| Noncurrent loans to loans | 0.4954% | 1,561 |
| Net loans and leases to total assets | 75.7300% | 934 |
| Net loans and leases to deposits | 86.7692% | 1,124 |
| Net loans and leases to core deposits | 92.1515% | 1,170 |
| Total domestic deposits to total assets | 87.2800% | 2,672 |
| Equity capital to assets | 11.4414% | 1,024 |
| Core capital (leverage) ratio | 9.7392% | 2,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5522% | 2,930 |
| Memoranda: |
| Average total assets | $1,032,565,500 | 961 |
| Average earning assets | $941,960,000 | 968 |
| Average equity | $123,729,250 | 803 |
| Average total loans | $777,107,750 | 834 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8086% | 1,294 |
| Cost of funding earning assets | 0.3353% | 1,394 |
| Net interest margin | 3.4733% | 1,387 |
| Noninterest income to average assets | 0.2904% | 3,431 |
| Noninterest expense to average assets | 2.4217% | 2,165 |
| Loan and lease loss provision to assets | 0.1352% | 706 |
| Net operating income to assets | 0.7533% | 3,129 |
| Return on assets (ROA) | 0.7533% | 3,084 |
| Pretax return on assets | 0.9004% | 3,062 |
| Return on Equity (ROE) | 6.1811% | 3,534 |
| Retained earnings to average equity (ytd only) | 6.1811% | 2,280 |
| Net charge-offs to loans | 0.0487% | 909 |
| Credit loss provision to net charge-offs | 370.8791% | 721 |
| Earnings coverage of net charge-offs (x) | 28.4066% | 1,412 |
| Efficiency ratio | 69.2816% | 2,066 |
| Assets per employee ($millions) | 7.7748% | 1,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4922% | 4,559 |
| Loan loss allowance to noncurrent loans | 63.8228% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 0.5807% | 967 |
| Noncurrent loans to loans | 0.7711% | 1,108 |
| Net loans and leases to total assets | 74.9353% | 824 |
| Net loans and leases to deposits | 86.7501% | 927 |
| Net loans and leases to core deposits | 94.4860% | 896 |
| Total domestic deposits to total assets | 86.3806% | 3,147 |
| Equity capital to assets | 12.4699% | 767 |
| Core capital (leverage) ratio | 10.0787% | 2,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3969% | 2,704 |
| Memoranda: |
| Average total assets | $998,487,000 | 981 |
| Average earning assets | $910,360,667 | 996 |
| Average equity | $121,693,333 | 829 |
| Average total loans | $748,154,000 | 843 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7476% | 1,182 |
| Cost of funding earning assets | 0.3151% | 1,511 |
| Net interest margin | 3.4325% | 1,228 |
| Noninterest income to average assets | 0.3009% | 3,311 |
| Noninterest expense to average assets | 2.4610% | 1,984 |
| Loan and lease loss provision to assets | 0.1151% | 726 |
| Net operating income to assets | 0.7125% | 3,011 |
| Return on assets (ROA) | 0.7125% | 2,999 |
| Pretax return on assets | 0.8510% | 2,934 |
| Return on Equity (ROE) | 5.9198% | 3,363 |
| Retained earnings to average equity (ytd only) | 5.9198% | 2,274 |
| Net charge-offs to loans | 0.1287% | 436 |
| Credit loss provision to net charge-offs | 119.6581% | 938 |
| Earnings coverage of net charge-offs (x) | 10.0427% | 1,469 |
| Efficiency ratio | 71.0053% | 2,100 |
| Assets per employee ($millions) | 8.7642% | 993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4683% | 4,613 |
| Loan loss allowance to noncurrent loans | 276.3242% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.1215% | 2,968 |
| Noncurrent loans to loans | 0.1695% | 2,966 |
| Net loans and leases to total assets | 71.3558% | 891 |
| Net loans and leases to deposits | 84.7940% | 825 |
| Net loans and leases to core deposits | 92.7724% | 784 |
| Total domestic deposits to total assets | 84.1519% | 3,739 |
| Equity capital to assets | 11.3246% | 1,185 |
| Core capital (leverage) ratio | 8.7053% | 3,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1449% | 3,037 |
| Memoranda: |
| Average total assets | $972,933,500 | 1,004 |
| Average earning assets | $886,114,500 | 1,029 |
| Average equity | $117,098,500 | 879 |
| Average total loans | $727,028,000 | 859 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1481% | 3,586 |
| Cost of funding earning assets | 0.3693% | 1,763 |
| Net interest margin | 2.7788% | 3,717 |
| Noninterest income to average assets | 0.3290% | 3,445 |
| Noninterest expense to average assets | 2.6386% | 1,780 |
| Loan and lease loss provision to assets | 0.1025% | 1,226 |
| Net operating income to assets | 0.1274% | 4,602 |
| Return on assets (ROA) | 0.1383% | 4,599 |
| Pretax return on assets | 0.1489% | 4,604 |
| Return on Equity (ROE) | 1.2391% | 4,585 |
| Retained earnings to average equity (ytd only) | 0.2127% | 4,434 |
| Net charge-offs to loans | 0.0092% | 2,231 |
| Credit loss provision to net charge-offs | 1,661.5385% | 358 |
| Earnings coverage of net charge-offs (x) | 38.8462% | 1,456 |
| Efficiency ratio | 90.9841% | 293 |
| Assets per employee ($millions) | 8.6835% | 1,024 |
| Cash dividends to net income (ytd only)* | 82.8375% | 450 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4725% | 4,648 |
| Loan loss allowance to noncurrent loans | 49.2533% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 0.7493% | 821 |
| Noncurrent loans to loans | 0.9594% | 1,046 |
| Net loans and leases to total assets | 77.7361% | 396 |
| Net loans and leases to deposits | 92.6915% | 431 |
| Net loans and leases to core deposits | 99.8149% | 546 |
| Total domestic deposits to total assets | 83.8653% | 3,598 |
| Equity capital to assets | 12.8277% | 954 |
| Core capital (leverage) ratio | 8.8451% | 3,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5035% | 2,987 |
| Memoranda: |
| Average total assets | $631,970,400 | 1,394 |
| Average earning assets | $579,786,200 | 1,413 |
| Average equity | $70,536,000 | 1,342 |
| Average total loans | $422,024,000 | 1,321 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6790% | 4,428 |
| Cost of funding earning assets | 0.3870% | 1,809 |
| Net interest margin | 2.2920% | 4,497 |
| Noninterest income to average assets | 0.3696% | 3,250 |
| Noninterest expense to average assets | 2.4089% | 2,412 |
| Loan and lease loss provision to assets | 0.1302% | 890 |
| Net operating income to assets | -0.0183% | 4,748 |
| Return on assets (ROA) | -0.0183% | 4,759 |
| Pretax return on assets | -0.0581% | 4,766 |
| Return on Equity (ROE) | -0.1750% | 4,762 |
| Retained earnings to average equity (ytd only) | -1.8209% | 4,698 |
| Net charge-offs to loans | 0.0004% | 2,446 |
| Credit loss provision to net charge-offs | 54,700.0000% | 10 |
| Earnings coverage of net charge-offs (x) | 303.0000% | 432 |
| Efficiency ratio | 96.6692% | 187 |
| Assets per employee ($millions) | 8.7958% | 957 |
| Cash dividends to net income (ytd only)* | -940.2597% | 4,910 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4990% | 4,705 |
| Loan loss allowance to noncurrent loans | 593.4164% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.0581% | 3,734 |
| Noncurrent loans to loans | 0.0841% | 3,663 |
| Net loans and leases to total assets | 68.7376% | 1,231 |
| Net loans and leases to deposits | 82.5317% | 1,064 |
| Net loans and leases to core deposits | 91.1116% | 973 |
| Total domestic deposits to total assets | 83.2863% | 3,638 |
| Equity capital to assets | 12.0157% | 1,396 |
| Core capital (leverage) ratio | 17.8021% | 274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7827% | 3,007 |
| Memoranda: |
| Average total assets | $559,849,750 | 1,554 |
| Average earning assets | $515,747,750 | 1,567 |
| Average equity | $58,651,750 | 1,562 |
| Average total loans | $347,799,750 | 1,554 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3043% | 3,412 |
| Cost of funding earning assets | 0.4948% | 1,232 |
| Net interest margin | 2.8096% | 3,771 |
| Noninterest income to average assets | 0.5689% | 2,343 |
| Noninterest expense to average assets | 1.8865% | 3,996 |
| Loan and lease loss provision to assets | 0.0425% | 2,162 |
| Net operating income to assets | 1.0803% | 2,604 |
| Return on assets (ROA) | 1.0803% | 2,676 |
| Pretax return on assets | 1.2572% | 2,745 |
| Return on Equity (ROE) | 11.6096% | 2,196 |
| Retained earnings to average equity (ytd only) | 9.1610% | 1,663 |
| Net charge-offs to loans | 0.0017% | 2,157 |
| Credit loss provision to net charge-offs | 4,500.0000% | 156 |
| Earnings coverage of net charge-offs (x) | 1,377.5000% | 86 |
| Efficiency ratio | 58.8096% | 3,174 |
| Assets per employee ($millions) | 8.9537% | 875 |
| Cash dividends to net income (ytd only)* | 21.0917% | 2,459 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1551% | 3,164 |
| Loan loss allowance to noncurrent loans | 538.7640% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.1276% | 3,386 |
| Noncurrent loans to loans | 0.2144% | 3,190 |
| Net loans and leases to total assets | 58.5003% | 2,603 |
| Net loans and leases to deposits | 65.3854% | 2,875 |
| Net loans and leases to core deposits | 67.4932% | 2,997 |
| Total domestic deposits to total assets | 89.4699% | 1,045 |
| Equity capital to assets | 9.5886% | 3,263 |
| Core capital (leverage) ratio | 8.3347% | 4,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4451% | 2,192 |
| Memoranda: |
| Average total assets | $423,953,333 | 1,927 |
| Average earning assets | $394,936,000 | 1,932 |
| Average equity | $39,450,000 | 2,118 |
| Average total loans | $240,933,667 | 2,024 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2961% | 3,454 |
| Cost of funding earning assets | 0.5171% | 1,289 |
| Net interest margin | 2.7789% | 3,813 |
| Noninterest income to average assets | 0.5321% | 2,470 |
| Noninterest expense to average assets | 1.8368% | 4,138 |
| Loan and lease loss provision to assets | 0.0423% | 2,216 |
| Net operating income to assets | 1.0716% | 2,570 |
| Return on assets (ROA) | 1.0716% | 2,650 |
| Pretax return on assets | 1.2343% | 2,749 |
| Return on Equity (ROE) | 11.6925% | 2,129 |
| Retained earnings to average equity (ytd only) | 9.2104% | 1,884 |
| Net charge-offs to loans | 0.0794% | 807 |
| Credit loss provision to net charge-offs | 95.7447% | 1,158 |
| Earnings coverage of net charge-offs (x) | 28.8936% | 1,111 |
| Efficiency ratio | 58.5749% | 3,223 |
| Assets per employee ($millions) | 9.0071% | 829 |
| Cash dividends to net income (ytd only)* | 21.2281% | 1,973 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1815% | 3,025 |
| Loan loss allowance to noncurrent loans | 555.1793% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.1161% | 3,587 |
| Noncurrent loans to loans | 0.2128% | 3,346 |
| Net loans and leases to total assets | 53.9155% | 3,252 |
| Net loans and leases to deposits | 59.9221% | 3,489 |
| Net loans and leases to core deposits | 61.7845% | 3,590 |
| Total domestic deposits to total assets | 89.9760% | 832 |
| Equity capital to assets | 9.0426% | 3,636 |
| Core capital (leverage) ratio | 8.1509% | 4,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7380% | 1,988 |
| Memoranda: |
| Average total assets | $425,519,000 | 1,917 |
| Average earning assets | $395,258,500 | 1,918 |
| Average equity | $38,999,500 | 2,124 |
| Average total loans | $236,871,000 | 2,053 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7710% | 3,387 |
| Cost of funding earning assets | 0.7404% | 1,508 |
| Net interest margin | 3.0306% | 3,821 |
| Noninterest income to average assets | 0.4345% | 2,936 |
| Noninterest expense to average assets | 2.0152% | 4,111 |
| Loan and lease loss provision to assets | 0.0462% | 3,820 |
| Net operating income to assets | 1.0322% | 2,169 |
| Return on assets (ROA) | 1.0563% | 2,214 |
| Pretax return on assets | 1.2183% | 2,267 |
| Return on Equity (ROE) | 11.5672% | 1,450 |
| Retained earnings to average equity (ytd only) | 7.6234% | 1,165 |
| Net charge-offs to loans | 0.0415% | 2,231 |
| Credit loss provision to net charge-offs | 189.6907% | 2,208 |
| Earnings coverage of net charge-offs (x) | 50.7423% | 1,185 |
| Efficiency ratio | 61.5486% | 3,216 |
| Assets per employee ($millions) | 8.7228% | 820 |
| Cash dividends to net income (ytd only)* | 34.0947% | 2,656 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1726% | 3,097 |
| Loan loss allowance to noncurrent loans | 594.6695% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.1120% | 3,735 |
| Noncurrent loans to loans | 0.1972% | 3,500 |
| Net loans and leases to total assets | 56.1425% | 3,287 |
| Net loans and leases to deposits | 62.6594% | 3,553 |
| Net loans and leases to core deposits | 65.1340% | 3,623 |
| Total domestic deposits to total assets | 89.5996% | 727 |
| Equity capital to assets | 9.2917% | 3,795 |
| Core capital (leverage) ratio | 7.8964% | 4,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3309% | 2,112 |
| Memoranda: |
| Average total assets | $397,916,000 | 1,873 |
| Average earning assets | $369,956,400 | 1,872 |
| Average equity | $36,335,600 | 2,158 |
| Average total loans | $233,669,400 | 2,008 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8371% | 3,446 |
| Cost of funding earning assets | 0.7633% | 1,660 |
| Net interest margin | 3.0738% | 3,800 |
| Noninterest income to average assets | 0.3456% | 3,400 |
| Noninterest expense to average assets | 1.9545% | 4,246 |
| Loan and lease loss provision to assets | 0.0469% | 3,773 |
| Net operating income to assets | 1.0343% | 2,209 |
| Return on assets (ROA) | 1.0664% | 2,219 |
| Pretax return on assets | 1.2405% | 2,267 |
| Return on Equity (ROE) | 11.7329% | 1,443 |
| Retained earnings to average equity (ytd only) | 8.8230% | 1,032 |
| Net charge-offs to loans | 0.0017% | 3,152 |
| Credit loss provision to net charge-offs | 4,600.0000% | 241 |
| Earnings coverage of net charge-offs (x) | 1,227.3333% | 95 |
| Efficiency ratio | 60.5043% | 3,306 |
| Assets per employee ($millions) | 8.6792% | 781 |
| Cash dividends to net income (ytd only)* | 24.8010% | 2,589 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2290% | 2,507 |
| Loan loss allowance to noncurrent loans | 492.5347% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.1354% | 3,746 |
| Noncurrent loans to loans | 0.2495% | 3,407 |
| Net loans and leases to total assets | 53.6099% | 3,838 |
| Net loans and leases to deposits | 59.6815% | 4,079 |
| Net loans and leases to core deposits | 61.9401% | 4,111 |
| Total domestic deposits to total assets | 89.8268% | 488 |
| Equity capital to assets | 9.0107% | 4,115 |
| Core capital (leverage) ratio | 8.1989% | 4,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2857% | 2,072 |
| Memoranda: |
| Average total assets | $392,721,250 | 1,871 |
| Average earning assets | $365,266,000 | 1,863 |
| Average equity | $35,693,500 | 2,177 |
| Average total loans | $232,623,000 | 2,024 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0315% | 3,246 |
| Cost of funding earning assets | 0.8123% | 1,768 |
| Net interest margin | 3.2192% | 3,612 |
| Noninterest income to average assets | 0.2896% | 3,730 |
| Noninterest expense to average assets | 1.9845% | 4,263 |
| Loan and lease loss provision to assets | 0.0492% | 3,685 |
| Net operating income to assets | 1.0550% | 2,127 |
| Return on assets (ROA) | 1.1046% | 2,073 |
| Pretax return on assets | 1.2879% | 2,076 |
| Return on Equity (ROE) | 12.1145% | 1,305 |
| Retained earnings to average equity (ytd only) | 8.9839% | 1,010 |
| Net charge-offs to loans | 0.0017% | 2,961 |
| Credit loss provision to net charge-offs | 4,700.0000% | 249 |
| Earnings coverage of net charge-offs (x) | 1,221.5000% | 69 |
| Efficiency ratio | 60.3338% | 3,371 |
| Assets per employee ($millions) | 8.0679% | 941 |
| Cash dividends to net income (ytd only)* | 25.8416% | 2,519 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2241% | 2,389 |
| Loan loss allowance to noncurrent loans | 331.8290% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.2130% | 3,477 |
| Noncurrent loans to loans | 0.3689% | 3,085 |
| Net loans and leases to total assets | 57.0309% | 3,604 |
| Net loans and leases to deposits | 63.9733% | 3,887 |
| Net loans and leases to core deposits | 66.7239% | 3,942 |
| Total domestic deposits to total assets | 89.1479% | 693 |
| Equity capital to assets | 9.4072% | 3,737 |
| Core capital (leverage) ratio | 8.5174% | 4,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3586% | 2,046 |
| Memoranda: |
| Average total assets | $381,867,333 | 1,885 |
| Average earning assets | $352,825,333 | 1,886 |
| Average equity | $34,817,667 | 2,215 |
| Average total loans | $233,220,333 | 1,992 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2225% | 3,140 |
| Cost of funding earning assets | 0.9176% | 1,777 |
| Net interest margin | 3.3049% | 3,578 |
| Noninterest income to average assets | 0.3018% | 3,703 |
| Noninterest expense to average assets | 2.0217% | 4,361 |
| Loan and lease loss provision to assets | 0.0512% | 3,136 |
| Net operating income to assets | 1.0966% | 1,854 |
| Return on assets (ROA) | 1.1974% | 1,638 |
| Pretax return on assets | 1.3915% | 1,588 |
| Return on Equity (ROE) | 13.3563% | 813 |
| Retained earnings to average equity (ytd only) | 10.5733% | 632 |
| Net charge-offs to loans | 0.0068% | 2,331 |
| Credit loss provision to net charge-offs | 1,200.0000% | 502 |
| Earnings coverage of net charge-offs (x) | 310.7500% | 228 |
| Efficiency ratio | 59.9873% | 3,741 |
| Assets per employee ($millions) | 7.4118% | 929 |
| Cash dividends to net income (ytd only)* | 20.8370% | 2,328 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1765% | 2,794 |
| Loan loss allowance to noncurrent loans | 367.6037% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.1976% | 3,695 |
| Noncurrent loans to loans | 0.3201% | 3,346 |
| Net loans and leases to total assets | 61.0178% | 3,397 |
| Net loans and leases to deposits | 68.0736% | 3,727 |
| Net loans and leases to core deposits | 71.2172% | 3,803 |
| Total domestic deposits to total assets | 89.6350% | 434 |
| Equity capital to assets | 8.7431% | 4,716 |
| Core capital (leverage) ratio | 8.4666% | 4,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1746% | 2,209 |
| Memoranda: |
| Average total assets | $375,138,000 | 1,874 |
| Average earning assets | $345,672,000 | 1,870 |
| Average equity | $33,632,000 | 2,266 |
| Average total loans | $235,704,500 | 1,959 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4279% | 3,164 |
| Cost of funding earning assets | 0.9294% | 2,060 |
| Net interest margin | 3.4985% | 3,452 |
| Noninterest income to average assets | 0.3369% | 3,693 |
| Noninterest expense to average assets | 2.1809% | 4,199 |
| Loan and lease loss provision to assets | 0.1161% | 1,819 |
| Net operating income to assets | 1.0800% | 2,522 |
| Return on assets (ROA) | 1.0757% | 2,640 |
| Pretax return on assets | 1.2927% | 2,528 |
| Return on Equity (ROE) | 11.5578% | 1,666 |
| Retained earnings to average equity (ytd only) | 7.8397% | 1,026 |
| Net charge-offs to loans | -0.0144% | 4,560 |
| Credit loss provision to net charge-offs | -1,191.1765% | 4,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6667% | 3,593 |
| Assets per employee ($millions) | 6.8939% | 1,087 |
| Cash dividends to net income (ytd only)* | 32.1695% | 2,986 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1352% | 2,764 |
| Loan loss allowance to noncurrent loans | 326.3285% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.2224% | 3,562 |
| Noncurrent loans to loans | 0.3479% | 3,201 |
| Net loans and leases to total assets | 63.2095% | 3,293 |
| Net loans and leases to deposits | 71.0543% | 3,587 |
| Net loans and leases to core deposits | 74.5529% | 3,673 |
| Total domestic deposits to total assets | 88.9594% | 689 |
| Equity capital to assets | 9.1908% | 4,577 |
| Core capital (leverage) ratio | 8.5000% | 4,847 |
| Tier 1 risk-based capital ratio | 12.9880% | 3,796 |
| Total risk-based capital ratio | 14.1387% | 3,726 |
| Memoranda: |
| Average total assets | $348,805,800 | 1,911 |
| Average earning assets | $324,826,600 | 1,903 |
| Average equity | $32,462,800 | 2,275 |
| Average total loans | $236,827,600 | 1,908 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4588% | 3,182 |
| Cost of funding earning assets | 0.9172% | 2,148 |
| Net interest margin | 3.5417% | 3,432 |
| Noninterest income to average assets | 0.3414% | 3,683 |
| Noninterest expense to average assets | 2.1698% | 4,234 |
| Loan and lease loss provision to assets | 0.1380% | 1,402 |
| Net operating income to assets | 1.1236% | 2,480 |
| Return on assets (ROA) | 1.1178% | 2,592 |
| Pretax return on assets | 1.3324% | 2,558 |
| Return on Equity (ROE) | 11.9696% | 1,632 |
| Retained earnings to average equity (ytd only) | 9.1011% | 1,016 |
| Net charge-offs to loans | -0.0135% | 4,468 |
| Credit loss provision to net charge-offs | -1,479.1667% | 4,488 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4926% | 3,731 |
| Assets per employee ($millions) | 7.6367% | 796 |
| Cash dividends to net income (ytd only)* | 23.9651% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1133% | 2,958 |
| Loan loss allowance to noncurrent loans | 326.5760% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.2254% | 3,679 |
| Noncurrent loans to loans | 0.3409% | 3,314 |
| Net loans and leases to total assets | 65.3824% | 3,131 |
| Net loans and leases to deposits | 73.6271% | 3,508 |
| Net loans and leases to core deposits | 78.5017% | 3,510 |
| Total domestic deposits to total assets | 88.8021% | 688 |
| Equity capital to assets | 9.4491% | 4,498 |
| Core capital (leverage) ratio | 8.8698% | 4,731 |
| Tier 1 risk-based capital ratio | 12.6567% | 4,056 |
| Total risk-based capital ratio | 13.7560% | 4,013 |
| Memoranda: |
| Average total assets | $342,939,000 | 1,946 |
| Average earning assets | $320,105,250 | 1,933 |
| Average equity | $32,024,750 | 2,315 |
| Average total loans | $236,531,000 | 1,919 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4404% | 3,214 |
| Cost of funding earning assets | 0.9003% | 2,140 |
| Net interest margin | 3.5401% | 3,466 |
| Noninterest income to average assets | 0.3898% | 3,339 |
| Noninterest expense to average assets | 2.1942% | 4,236 |
| Loan and lease loss provision to assets | 0.1730% | 1,048 |
| Net operating income to assets | 1.0927% | 2,555 |
| Return on assets (ROA) | 1.0859% | 2,646 |
| Pretax return on assets | 1.3104% | 2,527 |
| Return on Equity (ROE) | 11.6771% | 1,703 |
| Retained earnings to average equity (ytd only) | 8.9060% | 1,057 |
| Net charge-offs to loans | -0.0398% | 4,765 |
| Credit loss provision to net charge-offs | -621.2766% | 4,171 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5307% | 3,795 |
| Assets per employee ($millions) | 6.5013% | 1,235 |
| Cash dividends to net income (ytd only)* | 23.7316% | 2,889 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0968% | 3,093 |
| Loan loss allowance to noncurrent loans | 139.5923% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 0.5700% | 2,304 |
| Noncurrent loans to loans | 0.7857% | 2,023 |
| Net loans and leases to total assets | 68.0937% | 2,796 |
| Net loans and leases to deposits | 76.8637% | 3,252 |
| Net loans and leases to core deposits | 83.1306% | 3,185 |
| Total domestic deposits to total assets | 88.5902% | 835 |
| Equity capital to assets | 9.5498% | 4,360 |
| Core capital (leverage) ratio | 8.9553% | 4,664 |
| Tier 1 risk-based capital ratio | 12.4384% | 4,163 |
| Total risk-based capital ratio | 13.5310% | 4,121 |
| Memoranda: |
| Average total assets | $337,610,670 | 1,973 |
| Average earning assets | $314,341,330 | 1,965 |
| Average equity | $31,394,670 | 2,340 |
| Average total loans | $236,269,670 | 1,933 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4183% | 3,160 |
| Cost of funding earning assets | 0.8875% | 2,061 |
| Net interest margin | 3.5308% | 3,495 |
| Noninterest income to average assets | 0.4429% | 2,889 |
| Noninterest expense to average assets | 2.1405% | 4,394 |
| Loan and lease loss provision to assets | 0.2849% | 473 |
| Net operating income to assets | 1.0750% | 2,564 |
| Return on assets (ROA) | 1.0750% | 2,611 |
| Pretax return on assets | 1.3133% | 2,399 |
| Return on Equity (ROE) | 11.7236% | 1,643 |
| Retained earnings to average equity (ytd only) | 8.8776% | 1,362 |
| Net charge-offs to loans | -0.0696% | 4,929 |
| Credit loss provision to net charge-offs | -580.4878% | 3,830 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2526% | 4,179 |
| Assets per employee ($millions) | 6.4181% | 1,274 |
| Cash dividends to net income (ytd only)* | 24.2762% | 2,365 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0763% | 3,254 |
| Loan loss allowance to noncurrent loans | 245.8414% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.3689% | 3,122 |
| Noncurrent loans to loans | 0.4378% | 3,013 |
| Net loans and leases to total assets | 70.0036% | 2,479 |
| Net loans and leases to deposits | 79.1346% | 2,937 |
| Net loans and leases to core deposits | 85.7037% | 2,892 |
| Total domestic deposits to total assets | 88.4614% | 1,104 |
| Equity capital to assets | 9.3816% | 4,357 |
| Core capital (leverage) ratio | 8.8430% | 4,758 |
| Tier 1 risk-based capital ratio | 12.6114% | 4,089 |
| Total risk-based capital ratio | 13.7211% | 4,054 |
| Memoranda: |
| Average total assets | $334,130,500 | 2,000 |
| Average earning assets | $311,882,500 | 1,991 |
| Average equity | $30,639,000 | 2,374 |
| Average total loans | $235,788,000 | 1,953 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2102% | 3,410 |
| Cost of funding earning assets | 0.7068% | 2,051 |
| Net interest margin | 3.5035% | 3,695 |
| Noninterest income to average assets | 0.3723% | 3,600 |
| Noninterest expense to average assets | 2.1424% | 4,464 |
| Loan and lease loss provision to assets | 0.0968% | 2,224 |
| Net operating income to assets | 1.1675% | 2,327 |
| Return on assets (ROA) | 1.1238% | 2,500 |
| Pretax return on assets | 1.3485% | 2,324 |
| Return on Equity (ROE) | 12.7182% | 1,460 |
| Retained earnings to average equity (ytd only) | 8.9195% | 895 |
| Net charge-offs to loans | 0.0443% | 2,537 |
| Credit loss provision to net charge-offs | 317.1717% | 986 |
| Earnings coverage of net charge-offs (x) | 49.0909% | 1,151 |
| Efficiency ratio | 58.8519% | 4,031 |
| Assets per employee ($millions) | 6.4331% | 1,245 |
| Cash dividends to net income (ytd only)* | 29.8683% | 3,052 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9613% | 3,909 |
| Loan loss allowance to noncurrent loans | 220.9961% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.3970% | 2,966 |
| Noncurrent loans to loans | 0.4350% | 2,979 |
| Net loans and leases to total assets | 69.6940% | 2,614 |
| Net loans and leases to deposits | 80.8560% | 2,869 |
| Net loans and leases to core deposits | 87.5950% | 2,779 |
| Total domestic deposits to total assets | 86.1952% | 2,132 |
| Equity capital to assets | 8.9585% | 4,611 |
| Core capital (leverage) ratio | 8.6322% | 4,932 |
| Tier 1 risk-based capital ratio | 13.1998% | 3,725 |
| Total risk-based capital ratio | 14.2605% | 3,729 |
| Memoranda: |
| Average total assets | $324,445,400 | 2,026 |
| Average earning assets | $302,643,800 | 2,009 |
| Average equity | $28,667,600 | 2,421 |
| Average total loans | $223,389,200 | 2,001 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1386% | 3,499 |
| Cost of funding earning assets | 0.6686% | 2,041 |
| Net interest margin | 3.4700% | 3,804 |
| Noninterest income to average assets | 0.3835% | 3,580 |
| Noninterest expense to average assets | 2.1230% | 4,495 |
| Loan and lease loss provision to assets | 0.0708% | 2,546 |
| Net operating income to assets | 1.1638% | 2,397 |
| Return on assets (ROA) | 1.1091% | 2,635 |
| Pretax return on assets | 1.3614% | 2,376 |
| Return on Equity (ROE) | 12.5980% | 1,578 |
| Retained earnings to average equity (ytd only) | 9.8554% | 968 |
| Net charge-offs to loans | 0.0315% | 2,460 |
| Credit loss provision to net charge-offs | 328.8462% | 956 |
| Earnings coverage of net charge-offs (x) | 69.6362% | 963 |
| Efficiency ratio | 58.6029% | 4,024 |
| Assets per employee ($millions) | 6.4639% | 1,201 |
| Cash dividends to net income (ytd only)* | 21.7699% | 2,936 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9517% | 4,041 |
| Loan loss allowance to noncurrent loans | 145.2413% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.4439% | 2,908 |
| Noncurrent loans to loans | 0.6552% | 2,443 |
| Net loans and leases to total assets | 67.0987% | 3,062 |
| Net loans and leases to deposits | 75.4532% | 3,462 |
| Net loans and leases to core deposits | 79.4165% | 3,542 |
| Total domestic deposits to total assets | 88.9276% | 870 |
| Equity capital to assets | 8.6403% | 4,841 |
| Core capital (leverage) ratio | 8.6883% | 4,963 |
| Tier 1 risk-based capital ratio | 13.4202% | 3,672 |
| Total risk-based capital ratio | 14.4669% | 3,693 |
| Memoranda: |
| Average total assets | $321,926,500 | 2,047 |
| Average earning assets | $300,509,250 | 2,031 |
| Average equity | $28,342,500 | 2,442 |
| Average total loans | $220,385,500 | 2,029 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0762% | 3,536 |
| Cost of funding earning assets | 0.6469% | 1,939 |
| Net interest margin | 3.4293% | 3,866 |
| Noninterest income to average assets | 0.4124% | 3,410 |
| Noninterest expense to average assets | 2.1148% | 4,568 |
| Loan and lease loss provision to assets | 0.0889% | 2,142 |
| Net operating income to assets | 1.1278% | 2,486 |
| Return on assets (ROA) | 1.0940% | 2,614 |
| Pretax return on assets | 1.3651% | 2,277 |
| Return on Equity (ROE) | 12.3447% | 1,603 |
| Retained earnings to average equity (ytd only) | 9.5769% | 1,045 |
| Net charge-offs to loans | 0.0312% | 2,229 |
| Credit loss provision to net charge-offs | 414.7059% | 800 |
| Earnings coverage of net charge-offs (x) | 69.7941% | 912 |
| Efficiency ratio | 58.5647% | 4,145 |
| Assets per employee ($millions) | 6.3390% | 1,251 |
| Cash dividends to net income (ytd only)* | 22.4207% | 2,916 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9820% | 3,948 |
| Loan loss allowance to noncurrent loans | 205.0428% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.3316% | 3,433 |
| Noncurrent loans to loans | 0.4789% | 3,001 |
| Net loans and leases to total assets | 68.5567% | 2,786 |
| Net loans and leases to deposits | 76.2541% | 3,301 |
| Net loans and leases to core deposits | 80.5484% | 3,368 |
| Total domestic deposits to total assets | 89.9056% | 604 |
| Equity capital to assets | 8.9898% | 4,570 |
| Core capital (leverage) ratio | 8.6393% | 5,006 |
| Tier 1 risk-based capital ratio | 13.7630% | 3,475 |
| Total risk-based capital ratio | 14.8605% | 3,466 |
| Memoranda: |
| Average total assets | $317,194,000 | 2,079 |
| Average earning assets | $295,861,670 | 2,064 |
| Average equity | $28,109,330 | 2,470 |
| Average total loans | $217,946,670 | 2,054 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0463% | 3,438 |
| Cost of funding earning assets | 0.6435% | 1,756 |
| Net interest margin | 3.4028% | 3,877 |
| Noninterest income to average assets | 0.4324% | 3,223 |
| Noninterest expense to average assets | 2.0938% | 4,670 |
| Loan and lease loss provision to assets | 0.1324% | 1,430 |
| Net operating income to assets | 1.0623% | 2,595 |
| Return on assets (ROA) | 1.0564% | 2,634 |
| Pretax return on assets | 1.3715% | 2,095 |
| Return on Equity (ROE) | 12.0068% | 1,579 |
| Retained earnings to average equity (ytd only) | 9.2272% | 1,389 |
| Net charge-offs to loans | -0.0037% | 3,917 |
| Credit loss provision to net charge-offs | -5,250.0000% | 4,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0769% | 4,326 |
| Assets per employee ($millions) | 6.5133% | 1,192 |
| Cash dividends to net income (ytd only)* | 23.1504% | 2,324 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9884% | 4,027 |
| Loan loss allowance to noncurrent loans | 236.2939% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.2858% | 3,715 |
| Noncurrent loans to loans | 0.4183% | 3,285 |
| Net loans and leases to total assets | 67.6376% | 2,810 |
| Net loans and leases to deposits | 75.1628% | 3,301 |
| Net loans and leases to core deposits | 79.4221% | 3,369 |
| Total domestic deposits to total assets | 89.9881% | 659 |
| Equity capital to assets | 8.7410% | 4,793 |
| Core capital (leverage) ratio | 8.3890% | 5,212 |
| Tier 1 risk-based capital ratio | 13.4623% | 3,679 |
| Total risk-based capital ratio | 14.5648% | 3,679 |
| Memoranda: |
| Average total assets | $317,317,000 | 2,088 |
| Average earning assets | $295,874,000 | 2,087 |
| Average equity | $27,917,500 | 2,500 |
| Average total loans | $217,198,000 | 2,061 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8671% | 3,835 |
| Cost of funding earning assets | 0.5614% | 1,876 |
| Net interest margin | 3.3057% | 4,145 |
| Noninterest income to average assets | 0.4932% | 3,041 |
| Noninterest expense to average assets | 2.1045% | 4,751 |
| Loan and lease loss provision to assets | 0.1137% | 2,003 |
| Net operating income to assets | 0.9199% | 2,597 |
| Return on assets (ROA) | 0.9076% | 2,694 |
| Pretax return on assets | 1.3471% | 2,183 |
| Return on Equity (ROE) | 10.3008% | 1,769 |
| Retained earnings to average equity (ytd only) | 6.5947% | 1,235 |
| Net charge-offs to loans | 0.0110% | 3,703 |
| Credit loss provision to net charge-offs | 1,530.4348% | 256 |
| Earnings coverage of net charge-offs (x) | 199.1304% | 401 |
| Efficiency ratio | 58.7239% | 4,442 |
| Assets per employee ($millions) | 6.4384% | 1,240 |
| Cash dividends to net income (ytd only)* | 35.9786% | 3,030 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9470% | 4,230 |
| Loan loss allowance to noncurrent loans | 255.1681% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.2545% | 3,866 |
| Noncurrent loans to loans | 0.3711% | 3,431 |
| Net loans and leases to total assets | 67.9358% | 2,827 |
| Net loans and leases to deposits | 76.7335% | 3,255 |
| Net loans and leases to core deposits | 81.0772% | 3,328 |
| Total domestic deposits to total assets | 88.5347% | 1,233 |
| Equity capital to assets | 8.8556% | 4,852 |
| Core capital (leverage) ratio | 8.2377% | 5,327 |
| Tier 1 risk-based capital ratio | 13.5089% | 3,621 |
| Total risk-based capital ratio | 14.5862% | 3,632 |
| Memoranda: |
| Average total assets | $309,620,000 | 2,120 |
| Average earning assets | $289,466,200 | 2,102 |
| Average equity | $27,279,400 | 2,526 |
| Average total loans | $208,983,800 | 2,085 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8546% | 3,815 |
| Cost of funding earning assets | 0.5362% | 1,983 |
| Net interest margin | 3.3183% | 4,110 |
| Noninterest income to average assets | 0.4850% | 3,119 |
| Noninterest expense to average assets | 2.0963% | 4,743 |
| Loan and lease loss provision to assets | 0.1363% | 1,581 |
| Net operating income to assets | 1.0114% | 2,508 |
| Return on assets (ROA) | 1.0055% | 2,571 |
| Pretax return on assets | 1.3478% | 2,296 |
| Return on Equity (ROE) | 11.4277% | 1,515 |
| Retained earnings to average equity (ytd only) | 8.9052% | 877 |
| Net charge-offs to loans | 0.0219% | 3,032 |
| Credit loss provision to net charge-offs | 926.4706% | 376 |
| Earnings coverage of net charge-offs (x) | 101.4167% | 686 |
| Efficiency ratio | 58.4228% | 4,448 |
| Assets per employee ($millions) | 6.5903% | 1,132 |
| Cash dividends to net income (ytd only)* | 22.0739% | 3,061 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9379% | 4,387 |
| Loan loss allowance to noncurrent loans | 255.4278% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.2475% | 4,070 |
| Noncurrent loans to loans | 0.3672% | 3,636 |
| Net loans and leases to total assets | 66.7758% | 3,007 |
| Net loans and leases to deposits | 74.5179% | 3,516 |
| Net loans and leases to core deposits | 78.6021% | 3,580 |
| Total domestic deposits to total assets | 89.6104% | 615 |
| Equity capital to assets | 8.8823% | 5,010 |
| Core capital (leverage) ratio | 8.4507% | 5,275 |
| Tier 1 risk-based capital ratio | 13.4913% | 3,710 |
| Total risk-based capital ratio | 14.5487% | 3,735 |
| Memoranda: |
| Average total assets | $308,154,250 | 2,139 |
| Average earning assets | $288,169,000 | 2,121 |
| Average equity | $27,114,750 | 2,553 |
| Average total loans | $207,136,000 | 2,111 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8290% | 3,793 |
| Cost of funding earning assets | 0.5207% | 2,007 |
| Net interest margin | 3.3083% | 4,077 |
| Noninterest income to average assets | 0.4407% | 3,414 |
| Noninterest expense to average assets | 2.1314% | 4,714 |
| Loan and lease loss provision to assets | 0.0642% | 2,686 |
| Net operating income to assets | 0.9846% | 2,506 |
| Return on assets (ROA) | 0.9803% | 2,573 |
| Pretax return on assets | 1.3345% | 2,255 |
| Return on Equity (ROE) | 11.1771% | 1,574 |
| Retained earnings to average equity (ytd only) | 8.6236% | 962 |
| Net charge-offs to loans | -0.0176% | 4,729 |
| Credit loss provision to net charge-offs | -544.4444% | 4,689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8148% | 4,341 |
| Assets per employee ($millions) | 6.3539% | 1,229 |
| Cash dividends to net income (ytd only)* | 22.8457% | 3,010 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8890% | 4,684 |
| Loan loss allowance to noncurrent loans | 139.8628% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 0.4341% | 3,377 |
| Noncurrent loans to loans | 0.6357% | 2,822 |
| Net loans and leases to total assets | 67.0741% | 2,941 |
| Net loans and leases to deposits | 76.6693% | 3,263 |
| Net loans and leases to core deposits | 79.9636% | 3,421 |
| Total domestic deposits to total assets | 87.4850% | 1,729 |
| Equity capital to assets | 9.0139% | 4,884 |
| Core capital (leverage) ratio | 8.3470% | 5,322 |
| Tier 1 risk-based capital ratio | 13.5476% | 3,677 |
| Total risk-based capital ratio | 14.5529% | 3,719 |
| Memoranda: |
| Average total assets | $305,427,000 | 2,162 |
| Average earning assets | $285,769,670 | 2,138 |
| Average equity | $26,787,000 | 2,577 |
| Average total loans | $205,102,670 | 2,127 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7827% | 3,819 |
| Cost of funding earning assets | 0.5228% | 1,917 |
| Net interest margin | 3.2599% | 4,136 |
| Noninterest income to average assets | 0.4266% | 3,468 |
| Noninterest expense to average assets | 2.0965% | 4,855 |
| Loan and lease loss provision to assets | 0.0366% | 3,065 |
| Net operating income to assets | 1.0152% | 2,245 |
| Return on assets (ROA) | 1.0064% | 2,328 |
| Pretax return on assets | 1.3336% | 2,124 |
| Return on Equity (ROE) | 11.6361% | 1,354 |
| Retained earnings to average equity (ytd only) | 9.0486% | 1,060 |
| Net charge-offs to loans | -0.1409% | 5,545 |
| Credit loss provision to net charge-offs | -38.8889% | 3,847 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5937% | 4,515 |
| Assets per employee ($millions) | 6.0830% | 1,440 |
| Cash dividends to net income (ytd only)* | 22.2367% | 2,482 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8864% | 4,810 |
| Loan loss allowance to noncurrent loans | 107.3790% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 0.5777% | 2,925 |
| Noncurrent loans to loans | 0.8255% | 2,392 |
| Net loans and leases to total assets | 66.8706% | 2,840 |
| Net loans and leases to deposits | 75.8058% | 3,220 |
| Net loans and leases to core deposits | 78.2167% | 3,447 |
| Total domestic deposits to total assets | 88.2131% | 1,588 |
| Equity capital to assets | 8.7904% | 5,006 |
| Core capital (leverage) ratio | 8.0541% | 5,537 |
| Tier 1 risk-based capital ratio | 13.2462% | 3,912 |
| Total risk-based capital ratio | 14.2434% | 3,984 |
| Memoranda: |
| Average total assets | $305,648,000 | 2,172 |
| Average earning assets | $286,143,500 | 2,157 |
| Average equity | $26,435,000 | 2,608 |
| Average total loans | $204,453,500 | 2,142 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7079% | 4,186 |
| Cost of funding earning assets | 0.5199% | 1,940 |
| Net interest margin | 3.1880% | 4,481 |
| Noninterest income to average assets | 0.5042% | 3,212 |
| Noninterest expense to average assets | 2.1166% | 4,972 |
| Loan and lease loss provision to assets | 0.1284% | 1,932 |
| Net operating income to assets | 0.9070% | 2,784 |
| Return on assets (ROA) | 0.9102% | 2,882 |
| Pretax return on assets | 1.2445% | 2,495 |
| Return on Equity (ROE) | 10.6115% | 1,731 |
| Retained earnings to average equity (ytd only) | 6.9275% | 1,260 |
| Net charge-offs to loans | -0.0194% | 5,120 |
| Credit loss provision to net charge-offs | -1,010.5263% | 5,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1170% | 4,563 |
| Assets per employee ($millions) | 6.1429% | 1,377 |
| Cash dividends to net income (ytd only)* | 34.7171% | 3,134 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8439% | 4,975 |
| Loan loss allowance to noncurrent loans | 145.3085% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.3926% | 3,698 |
| Noncurrent loans to loans | 0.5808% | 3,105 |
| Net loans and leases to total assets | 65.7609% | 3,105 |
| Net loans and leases to deposits | 75.9488% | 3,319 |
| Net loans and leases to core deposits | 78.5323% | 3,529 |
| Total domestic deposits to total assets | 86.5859% | 2,339 |
| Equity capital to assets | 8.5087% | 5,266 |
| Core capital (leverage) ratio | 7.9223% | 5,650 |
| Tier 1 risk-based capital ratio | 13.1373% | 3,978 |
| Total risk-based capital ratio | 14.0891% | 4,073 |
| Memoranda: |
| Average total assets | $299,064,000 | 2,170 |
| Average earning assets | $279,642,400 | 2,156 |
| Average equity | $25,651,400 | 2,664 |
| Average total loans | $195,525,200 | 2,151 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6938% | 4,269 |
| Cost of funding earning assets | 0.5180% | 1,953 |
| Net interest margin | 3.1758% | 4,559 |
| Noninterest income to average assets | 0.5418% | 2,963 |
| Noninterest expense to average assets | 2.1428% | 4,906 |
| Loan and lease loss provision to assets | 0.1077% | 2,129 |
| Net operating income to assets | 0.9056% | 2,871 |
| Return on assets (ROA) | 0.9098% | 2,988 |
| Pretax return on assets | 1.2662% | 2,547 |
| Return on Equity (ROE) | 10.5857% | 1,836 |
| Retained earnings to average equity (ytd only) | 8.0894% | 1,139 |
| Net charge-offs to loans | -0.0462% | 5,341 |
| Credit loss provision to net charge-offs | -358.2090% | 4,988 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9818% | 4,395 |
| Assets per employee ($millions) | 6.1726% | 1,315 |
| Cash dividends to net income (ytd only)* | 23.5817% | 3,085 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8185% | 5,137 |
| Loan loss allowance to noncurrent loans | 244.8855% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.2135% | 4,578 |
| Noncurrent loans to loans | 0.3342% | 4,056 |
| Net loans and leases to total assets | 62.9761% | 3,529 |
| Net loans and leases to deposits | 70.4259% | 3,948 |
| Net loans and leases to core deposits | 72.6421% | 4,110 |
| Total domestic deposits to total assets | 89.4219% | 717 |
| Equity capital to assets | 8.5530% | 5,502 |
| Core capital (leverage) ratio | 7.9742% | 5,701 |
| Tier 1 risk-based capital ratio | 13.3253% | 3,967 |
| Total risk-based capital ratio | 14.2338% | 4,086 |
| Memoranda: |
| Average total assets | $297,043,500 | 2,186 |
| Average earning assets | $277,716,000 | 2,176 |
| Average equity | $25,530,750 | 2,688 |
| Average total loans | $193,481,250 | 2,172 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7533% | 4,118 |
| Cost of funding earning assets | 0.5203% | 1,939 |
| Net interest margin | 3.2330% | 4,435 |
| Noninterest income to average assets | 0.5771% | 2,739 |
| Noninterest expense to average assets | 2.1570% | 4,938 |
| Loan and lease loss provision to assets | 0.0771% | 2,598 |
| Net operating income to assets | 1.0034% | 2,380 |
| Return on assets (ROA) | 1.0130% | 2,469 |
| Pretax return on assets | 1.3780% | 2,101 |
| Return on Equity (ROE) | 11.7661% | 1,395 |
| Retained earnings to average equity (ytd only) | 9.2069% | 796 |
| Net charge-offs to loans | -0.0405% | 5,272 |
| Credit loss provision to net charge-offs | -289.7436% | 4,807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8939% | 4,655 |
| Assets per employee ($millions) | 5.9689% | 1,424 |
| Cash dividends to net income (ytd only)* | 21.7508% | 3,138 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7568% | 5,383 |
| Loan loss allowance to noncurrent loans | 208.7896% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 0.2359% | 4,553 |
| Noncurrent loans to loans | 0.3625% | 4,068 |
| Net loans and leases to total assets | 63.6699% | 3,415 |
| Net loans and leases to deposits | 71.4481% | 3,837 |
| Net loans and leases to core deposits | 73.6882% | 4,011 |
| Total domestic deposits to total assets | 89.1135% | 871 |
| Equity capital to assets | 8.7403% | 5,450 |
| Core capital (leverage) ratio | 7.8531% | 5,801 |
| Tier 1 risk-based capital ratio | 13.4276% | 3,949 |
| Total risk-based capital ratio | 14.2696% | 4,102 |
| Memoranda: |
| Average total assets | $293,182,000 | 2,224 |
| Average earning assets | $274,052,000 | 2,212 |
| Average equity | $25,242,000 | 2,718 |
| Average total loans | $192,653,000 | 2,187 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8159% | 3,892 |
| Cost of funding earning assets | 0.5264% | 1,900 |
| Net interest margin | 3.2895% | 4,263 |
| Noninterest income to average assets | 0.5534% | 2,782 |
| Noninterest expense to average assets | 2.0926% | 5,127 |
| Loan and lease loss provision to assets | 0.1101% | 1,890 |
| Net operating income to assets | 1.0435% | 2,106 |
| Return on assets (ROA) | 1.0435% | 2,222 |
| Pretax return on assets | 1.4221% | 1,836 |
| Return on Equity (ROE) | 12.2157% | 1,247 |
| Retained earnings to average equity (ytd only) | 10.2174% | 803 |
| Net charge-offs to loans | -0.1946% | 5,843 |
| Credit loss provision to net charge-offs | -85.1064% | 4,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7288% | 5,029 |
| Assets per employee ($millions) | 6.1636% | 1,292 |
| Cash dividends to net income (ytd only)* | 16.3588% | 2,610 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7592% | 5,468 |
| Loan loss allowance to noncurrent loans | 191.5365% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.2596% | 4,520 |
| Noncurrent loans to loans | 0.3964% | 4,016 |
| Net loans and leases to total assets | 64.9937% | 3,108 |
| Net loans and leases to deposits | 72.7955% | 3,573 |
| Net loans and leases to core deposits | 74.9409% | 3,796 |
| Total domestic deposits to total assets | 89.2826% | 960 |
| Equity capital to assets | 8.4964% | 5,565 |
| Core capital (leverage) ratio | 7.7910% | 5,853 |
| Tier 1 risk-based capital ratio | 13.0873% | 4,205 |
| Total risk-based capital ratio | 13.9401% | 4,374 |
| Memoranda: |
| Average total assets | $290,551,000 | 2,243 |
| Average earning assets | $271,284,000 | 2,234 |
| Average equity | $24,820,500 | 2,763 |
| Average total loans | $193,245,500 | 2,177 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7380% | 4,240 |
| Cost of funding earning assets | 0.4502% | 2,625 |
| Net interest margin | 3.2877% | 4,337 |
| Noninterest income to average assets | 0.7260% | 2,085 |
| Noninterest expense to average assets | 2.4026% | 4,508 |
| Loan and lease loss provision to assets | 0.0883% | 2,533 |
| Net operating income to assets | 0.9842% | 2,449 |
| Return on assets (ROA) | 1.0033% | 2,439 |
| Pretax return on assets | 1.3118% | 2,237 |
| Return on Equity (ROE) | 9.2400% | 2,354 |
| Retained earnings to average equity (ytd only) | 6.4021% | 1,599 |
| Net charge-offs to loans | 0.0582% | 3,054 |
| Credit loss provision to net charge-offs | 233.6538% | 1,223 |
| Earnings coverage of net charge-offs (x) | 36.3846% | 1,267 |
| Efficiency ratio | 63.6014% | 4,354 |
| Assets per employee ($millions) | 5.9426% | 1,423 |
| Cash dividends to net income (ytd only)* | 30.7135% | 3,310 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6730% | 5,688 |
| Loan loss allowance to noncurrent loans | 295.4442% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.1539% | 4,979 |
| Noncurrent loans to loans | 0.2278% | 4,612 |
| Net loans and leases to total assets | 67.1124% | 2,844 |
| Net loans and leases to deposits | 75.5330% | 3,317 |
| Net loans and leases to core deposits | 77.7645% | 3,571 |
| Total domestic deposits to total assets | 88.8518% | 1,200 |
| Equity capital to assets | 8.5904% | 5,482 |
| Core capital (leverage) ratio | 7.7510% | 5,923 |
| Tier 1 risk-based capital ratio | 13.0441% | 4,280 |
| Total risk-based capital ratio | 13.8137% | 4,486 |
| Memoranda: |
| Average total assets | $275,200,400 | 2,304 |
| Average earning assets | $255,433,400 | 2,300 |
| Average equity | $29,880,800 | 2,328 |
| Average total loans | $178,584,600 | 2,256 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7066% | 4,399 |
| Cost of funding earning assets | 0.4409% | 2,787 |
| Net interest margin | 3.2657% | 4,466 |
| Noninterest income to average assets | 0.6483% | 2,495 |
| Noninterest expense to average assets | 2.3577% | 4,632 |
| Loan and lease loss provision to assets | 0.0489% | 3,230 |
| Net operating income to assets | 0.7889% | 3,483 |
| Return on assets (ROA) | 0.7901% | 3,564 |
| Pretax return on assets | 1.2713% | 2,508 |
| Return on Equity (ROE) | 6.9003% | 3,683 |
| Retained earnings to average equity (ytd only) | 5.4058% | 2,636 |
| Net charge-offs to loans | 0.0442% | 3,010 |
| Credit loss provision to net charge-offs | 172.4138% | 1,516 |
| Earnings coverage of net charge-offs (x) | 46.4836% | 1,114 |
| Efficiency ratio | 64.1394% | 4,222 |
| Assets per employee ($millions) | 5.9506% | 1,408 |
| Cash dividends to net income (ytd only)* | 21.6587% | 3,176 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6398% | 5,835 |
| Loan loss allowance to noncurrent loans | 102.0408% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 0.3953% | 4,194 |
| Noncurrent loans to loans | 0.6270% | 3,441 |
| Net loans and leases to total assets | 62.6336% | 3,517 |
| Net loans and leases to deposits | 71.5166% | 3,823 |
| Net loans and leases to core deposits | 73.9319% | 4,023 |
| Total domestic deposits to total assets | 87.5792% | 1,758 |
| Equity capital to assets | 11.4852% | 2,519 |
| Core capital (leverage) ratio | 10.6731% | 2,855 |
| Tier 1 risk-based capital ratio | 17.6729% | 2,127 |
| Total risk-based capital ratio | 18.3606% | 2,281 |
| Memoranda: |
| Average total assets | $272,688,750 | 2,333 |
| Average earning assets | $252,802,250 | 2,336 |
| Average equity | $31,225,000 | 2,259 |
| Average total loans | $175,047,500 | 2,306 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7231% | 4,343 |
| Cost of funding earning assets | 0.4166% | 3,074 |
| Net interest margin | 3.3065% | 4,278 |
| Noninterest income to average assets | 0.5461% | 3,065 |
| Noninterest expense to average assets | 2.3721% | 4,650 |
| Loan and lease loss provision to assets | 0.0045% | 4,000 |
| Net operating income to assets | 0.7393% | 3,690 |
| Return on assets (ROA) | 0.7413% | 3,785 |
| Pretax return on assets | 1.2405% | 2,599 |
| Return on Equity (ROE) | 6.4809% | 3,890 |
| Retained earnings to average equity (ytd only) | 4.9929% | 2,870 |
| Net charge-offs to loans | -0.0012% | 4,557 |
| Credit loss provision to net charge-offs | -600.0000% | 5,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6342% | 4,079 |
| Assets per employee ($millions) | 5.9467% | 1,401 |
| Cash dividends to net income (ytd only)* | 22.9592% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6233% | 5,940 |
| Loan loss allowance to noncurrent loans | 85.5360% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 0.4816% | 4,006 |
| Noncurrent loans to loans | 0.7287% | 3,297 |
| Net loans and leases to total assets | 62.4725% | 3,484 |
| Net loans and leases to deposits | 71.0854% | 3,818 |
| Net loans and leases to core deposits | 73.2957% | 4,016 |
| Total domestic deposits to total assets | 87.8838% | 1,706 |
| Equity capital to assets | 11.2425% | 2,626 |
| Core capital (leverage) ratio | 10.5733% | 2,872 |
| Tier 1 risk-based capital ratio | 17.4214% | 2,247 |
| Total risk-based capital ratio | 18.0922% | 2,422 |
| Memoranda: |
| Average total assets | $264,407,670 | 2,419 |
| Average earning assets | $245,333,670 | 2,415 |
| Average equity | $30,242,670 | 2,327 |
| Average total loans | $170,878,330 | 2,365 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4135% | 5,170 |
| Cost of funding earning assets | 0.3737% | 3,607 |
| Net interest margin | 3.0398% | 5,106 |
| Noninterest income to average assets | 0.3985% | 4,014 |
| Noninterest expense to average assets | 2.1102% | 5,353 |
| Loan and lease loss provision to assets | 0.0065% | 3,627 |
| Net operating income to assets | 0.5654% | 4,425 |
| Return on assets (ROA) | 0.5695% | 4,510 |
| Pretax return on assets | 1.1099% | 3,036 |
| Return on Equity (ROE) | 4.9284% | 4,567 |
| Retained earnings to average equity (ytd only) | 3.5183% | 3,889 |
| Net charge-offs to loans | 0.1351% | 1,433 |
| Credit loss provision to net charge-offs | 7.2727% | 2,446 |
| Earnings coverage of net charge-offs (x) | 12.5091% | 1,794 |
| Efficiency ratio | 65.5311% | 4,232 |
| Assets per employee ($millions) | 5.8102% | 1,544 |
| Cash dividends to net income (ytd only)* | 28.6119% | 2,377 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6069% | 6,057 |
| Loan loss allowance to noncurrent loans | 46.3180% | 5,124 |
| Noncurrent assets plus other real estate owned to assets | 0.8563% | 2,936 |
| Noncurrent loans to loans | 1.3103% | 2,191 |
| Net loans and leases to total assets | 63.6776% | 3,138 |
| Net loans and leases to deposits | 72.8467% | 3,451 |
| Net loans and leases to core deposits | 74.9907% | 3,689 |
| Total domestic deposits to total assets | 87.4131% | 2,157 |
| Equity capital to assets | 11.7562% | 2,236 |
| Core capital (leverage) ratio | 10.5304% | 2,923 |
| Tier 1 risk-based capital ratio | 18.7059% | 1,944 |
| Total risk-based capital ratio | 19.3994% | 2,046 |
| Memoranda: |
| Average total assets | $247,943,000 | 2,576 |
| Average earning assets | $230,144,000 | 2,551 |
| Average equity | $28,650,000 | 2,454 |
| Average total loans | $162,858,000 | 2,461 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1457% | 3,146 |
| Cost of funding earning assets | 0.5115% | 2,559 |
| Net interest margin | 3.6342% | 3,275 |
| Noninterest income to average assets | 0.4515% | 3,817 |
| Noninterest expense to average assets | 2.7746% | 3,583 |
| Loan and lease loss provision to assets | -0.1169% | 6,175 |
| Net operating income to assets | 0.6706% | 4,035 |
| Return on assets (ROA) | 0.7042% | 3,989 |
| Pretax return on assets | 1.1786% | 2,738 |
| Return on Equity (ROE) | 5.8048% | 4,259 |
| Retained earnings to average equity (ytd only) | 3.0670% | 4,057 |
| Net charge-offs to loans | 0.0131% | 4,633 |
| Credit loss provision to net charge-offs | -1,333.3333% | 5,939 |
| Earnings coverage of net charge-offs (x) | 115.1111% | 460 |
| Efficiency ratio | 73.3299% | 2,959 |
| Assets per employee ($millions) | 5.2797% | 1,985 |
| Cash dividends to net income (ytd only)* | 47.1646% | 2,443 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8080% | 5,753 |
| Loan loss allowance to noncurrent loans | 116.8517% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 0.4693% | 4,241 |
| Noncurrent loans to loans | 0.6915% | 3,608 |
| Net loans and leases to total assets | 67.3155% | 2,678 |
| Net loans and leases to deposits | 76.8583% | 3,105 |
| Net loans and leases to core deposits | 78.8395% | 3,432 |
| Total domestic deposits to total assets | 87.5839% | 1,988 |
| Equity capital to assets | 11.2839% | 2,615 |
| Core capital (leverage) ratio | 11.2609% | 2,170 |
| Tier 1 risk-based capital ratio | 18.7714% | 1,916 |
| Total risk-based capital ratio | 19.7022% | 1,975 |
| Memoranda: |
| Average total assets | $205,329,800 | 2,929 |
| Average earning assets | $188,268,800 | 2,933 |
| Average equity | $24,910,600 | 2,674 |
| Average total loans | $137,631,000 | 2,742 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1551% | 3,152 |
| Cost of funding earning assets | 0.5205% | 2,564 |
| Net interest margin | 3.6347% | 3,292 |
| Noninterest income to average assets | 0.4146% | 4,139 |
| Noninterest expense to average assets | 2.6926% | 3,851 |
| Loan and lease loss provision to assets | -0.1583% | 6,353 |
| Net operating income to assets | 0.6417% | 4,253 |
| Return on assets (ROA) | 0.6710% | 4,188 |
| Pretax return on assets | 1.2557% | 2,549 |
| Return on Equity (ROE) | 5.4326% | 4,515 |
| Retained earnings to average equity (ytd only) | 3.8282% | 3,929 |
| Net charge-offs to loans | -0.0440% | 5,863 |
| Credit loss provision to net charge-offs | 537.7778% | 538 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9127% | 3,197 |
| Assets per employee ($millions) | 5.0732% | 2,156 |
| Cash dividends to net income (ytd only)* | 29.5321% | 2,826 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8789% | 5,663 |
| Loan loss allowance to noncurrent loans | 92.4185% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 0.6908% | 3,750 |
| Noncurrent loans to loans | 0.9510% | 3,182 |
| Net loans and leases to total assets | 64.5192% | 3,108 |
| Net loans and leases to deposits | 74.1801% | 3,413 |
| Net loans and leases to core deposits | 76.1964% | 3,716 |
| Total domestic deposits to total assets | 86.9765% | 2,335 |
| Equity capital to assets | 11.1796% | 2,787 |
| Core capital (leverage) ratio | 11.1410% | 2,357 |
| Tier 1 risk-based capital ratio | 19.3222% | 1,818 |
| Total risk-based capital ratio | 20.3322% | 1,850 |
| Memoranda: |
| Average total assets | $203,865,750 | 2,968 |
| Average earning assets | $186,753,250 | 2,972 |
| Average equity | $25,180,750 | 2,656 |
| Average total loans | $136,209,000 | 2,772 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1514% | 3,141 |
| Cost of funding earning assets | 0.5309% | 2,528 |
| Net interest margin | 3.6205% | 3,278 |
| Noninterest income to average assets | 0.3705% | 4,476 |
| Noninterest expense to average assets | 2.2152% | 5,374 |
| Loan and lease loss provision to assets | -0.2430% | 6,504 |
| Net operating income to assets | 1.0658% | 2,052 |
| Return on assets (ROA) | 1.0658% | 2,132 |
| Pretax return on assets | 1.7132% | 992 |
| Return on Equity (ROE) | 8.3483% | 2,914 |
| Retained earnings to average equity (ytd only) | 6.7723% | 1,889 |
| Net charge-offs to loans | -0.1152% | 6,189 |
| Credit loss provision to net charge-offs | 312.8205% | 825 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1081% | 5,280 |
| Assets per employee ($millions) | 5.3215% | 1,851 |
| Cash dividends to net income (ytd only)* | 18.8785% | 3,213 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8784% | 5,784 |
| Loan loss allowance to noncurrent loans | 89.8634% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 0.6873% | 3,933 |
| Noncurrent loans to loans | 0.9775% | 3,281 |
| Net loans and leases to total assets | 66.2656% | 2,717 |
| Net loans and leases to deposits | 76.6997% | 2,963 |
| Net loans and leases to core deposits | 78.7935% | 3,342 |
| Total domestic deposits to total assets | 86.3962% | 2,822 |
| Equity capital to assets | 12.2559% | 1,808 |
| Core capital (leverage) ratio | 13.1075% | 1,122 |
| Tier 1 risk-based capital ratio | 20.6391% | 1,530 |
| Total risk-based capital ratio | 21.6531% | 1,560 |
| Memoranda: |
| Average total assets | $200,795,670 | 3,027 |
| Average earning assets | $183,840,000 | 3,031 |
| Average equity | $25,634,000 | 2,602 |
| Average total loans | $135,380,670 | 2,791 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0699% | 3,400 |
| Cost of funding earning assets | 0.4989% | 2,920 |
| Net interest margin | 3.5710% | 3,386 |
| Noninterest income to average assets | 0.3738% | 4,397 |
| Noninterest expense to average assets | 2.0599% | 5,766 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0844% | 1,879 |
| Return on assets (ROA) | 1.0844% | 1,941 |
| Pretax return on assets | 1.5773% | 1,220 |
| Return on Equity (ROE) | 8.3127% | 2,788 |
| Retained earnings to average equity (ytd only) | 6.7226% | 2,182 |
| Net charge-offs to loans | -0.1789% | 6,349 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6347% | 5,789 |
| Assets per employee ($millions) | 5.4145% | 1,788 |
| Cash dividends to net income (ytd only)* | 19.1288% | 2,541 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1105% | 5,078 |
| Loan loss allowance to noncurrent loans | 136.7188% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 0.6022% | 4,343 |
| Noncurrent loans to loans | 0.8123% | 3,849 |
| Net loans and leases to total assets | 68.1652% | 2,190 |
| Net loans and leases to deposits | 79.1684% | 2,409 |
| Net loans and leases to core deposits | 81.2827% | 2,818 |
| Total domestic deposits to total assets | 86.1016% | 3,311 |
| Equity capital to assets | 12.3825% | 1,635 |
| Core capital (leverage) ratio | 12.2549% | 1,507 |
| Tier 1 risk-based capital ratio | 19.2033% | 1,906 |
| Total risk-based capital ratio | 20.4193% | 1,879 |
| Memoranda: |
| Average total assets | $194,763,500 | 3,115 |
| Average earning assets | $177,991,000 | 3,125 |
| Average equity | $25,407,000 | 2,611 |
| Average total loans | $131,919,500 | 2,848 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3121% | 2,912 |
| Cost of funding earning assets | 0.5793% | 2,843 |
| Net interest margin | 3.7328% | 2,929 |
| Noninterest income to average assets | 0.4968% | 3,785 |
| Noninterest expense to average assets | 2.0622% | 5,907 |
| Loan and lease loss provision to assets | 0.0297% | 4,514 |
| Net operating income to assets | 1.2989% | 1,257 |
| Return on assets (ROA) | 1.2989% | 1,306 |
| Pretax return on assets | 1.8254% | 712 |
| Return on Equity (ROE) | 9.5765% | 2,290 |
| Retained earnings to average equity (ytd only) | 6.8506% | 1,502 |
| Net charge-offs to loans | 0.0119% | 5,215 |
| Credit loss provision to net charge-offs | 392.8571% | 581 |
| Earnings coverage of net charge-offs (x) | 245.1429% | 185 |
| Efficiency ratio | 52.6425% | 6,238 |
| Assets per employee ($millions) | 6.1259% | 1,188 |
| Cash dividends to net income (ytd only)* | 28.4644% | 3,351 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2425% | 4,429 |
| Loan loss allowance to noncurrent loans | 385.7506% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.2530% | 5,504 |
| Noncurrent loans to loans | 0.3221% | 5,219 |
| Net loans and leases to total assets | 65.5675% | 2,757 |
| Net loans and leases to deposits | 77.6280% | 2,774 |
| Net loans and leases to core deposits | 79.9928% | 3,136 |
| Total domestic deposits to total assets | 84.4638% | 3,983 |
| Equity capital to assets | 13.7868% | 970 |
| Core capital (leverage) ratio | 13.6209% | 923 |
| Tier 1 risk-based capital ratio | 22.7909% | 1,131 |
| Total risk-based capital ratio | 24.0427% | 1,105 |
| Memoranda: |
| Average total assets | $184,996,400 | 3,221 |
| Average earning assets | $169,523,000 | 3,224 |
| Average equity | $25,092,600 | 2,621 |
| Average total loans | $117,889,800 | 3,078 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3134% | 2,933 |
| Cost of funding earning assets | 0.5827% | 2,973 |
| Net interest margin | 3.7307% | 2,918 |
| Noninterest income to average assets | 0.5224% | 3,652 |
| Noninterest expense to average assets | 1.8506% | 6,256 |
| Loan and lease loss provision to assets | 0.0022% | 4,913 |
| Net operating income to assets | 1.5283% | 855 |
| Return on assets (ROA) | 1.5283% | 898 |
| Pretax return on assets | 2.0924% | 476 |
| Return on Equity (ROE) | 11.3135% | 1,698 |
| Retained earnings to average equity (ytd only) | 10.3920% | 714 |
| Net charge-offs to loans | 0.0194% | 4,747 |
| Credit loss provision to net charge-offs | 17.6471% | 4,106 |
| Earnings coverage of net charge-offs (x) | 171.2060% | 326 |
| Efficiency ratio | 46.9086% | 6,555 |
| Assets per employee ($millions) | 6.2632% | 1,064 |
| Cash dividends to net income (ytd only)* | 8.1450% | 3,535 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2096% | 4,823 |
| Loan loss allowance to noncurrent loans | 258.1272% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.3012% | 5,519 |
| Noncurrent loans to loans | 0.4686% | 5,020 |
| Net loans and leases to total assets | 63.5073% | 3,079 |
| Net loans and leases to deposits | 75.1183% | 3,072 |
| Net loans and leases to core deposits | 77.4820% | 3,426 |
| Total domestic deposits to total assets | 84.5430% | 3,953 |
| Equity capital to assets | 13.6534% | 1,063 |
| Core capital (leverage) ratio | 13.6477% | 971 |
| Tier 1 risk-based capital ratio | 23.0359% | 1,139 |
| Total risk-based capital ratio | 24.2871% | 1,125 |
| Memoranda: |
| Average total assets | $185,301,250 | 3,250 |
| Average earning assets | $170,007,000 | 3,240 |
| Average equity | $25,031,500 | 2,652 |
| Average total loans | $116,858,750 | 3,126 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3160% | 2,884 |
| Cost of funding earning assets | 0.5837% | 3,096 |
| Net interest margin | 3.7323% | 2,833 |
| Noninterest income to average assets | 0.5747% | 3,350 |
| Noninterest expense to average assets | 1.6190% | 6,574 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.8348% | 479 |
| Return on assets (ROA) | 1.8348% | 513 |
| Pretax return on assets | 2.3813% | 314 |
| Return on Equity (ROE) | 13.6320% | 1,089 |
| Retained earnings to average equity (ytd only) | 12.7054% | 417 |
| Net charge-offs to loans | 0.0398% | 4,120 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 95.4783% | 485 |
| Efficiency ratio | 40.4717% | 6,787 |
| Assets per employee ($millions) | 6.4915% | 900 |
| Cash dividends to net income (ytd only)* | 6.7967% | 3,373 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2352% | 4,811 |
| Loan loss allowance to noncurrent loans | 349.8795% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.2332% | 5,789 |
| Noncurrent loans to loans | 0.3530% | 5,399 |
| Net loans and leases to total assets | 61.6739% | 3,360 |
| Net loans and leases to deposits | 73.0235% | 3,301 |
| Net loans and leases to core deposits | 75.4038% | 3,623 |
| Total domestic deposits to total assets | 84.4576% | 4,142 |
| Equity capital to assets | 13.5552% | 1,107 |
| Core capital (leverage) ratio | 13.5928% | 942 |
| Tier 1 risk-based capital ratio | 23.1231% | 1,113 |
| Total risk-based capital ratio | 24.3747% | 1,100 |
| Memoranda: |
| Average total assets | $184,436,670 | 3,273 |
| Average earning assets | $169,278,330 | 3,265 |
| Average equity | $24,824,000 | 2,679 |
| Average total loans | $115,549,000 | 3,157 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3434% | 2,718 |
| Cost of funding earning assets | 0.5895% | 3,211 |
| Net interest margin | 3.7539% | 2,646 |
| Noninterest income to average assets | 0.3835% | 4,593 |
| Noninterest expense to average assets | 1.6589% | 6,615 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5274% | 808 |
| Return on assets (ROA) | 1.5274% | 882 |
| Pretax return on assets | 2.1717% | 437 |
| Return on Equity (ROE) | 11.3903% | 1,594 |
| Retained earnings to average equity (ytd only) | 10.4261% | 1,001 |
| Net charge-offs to loans | 0.0838% | 3,002 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 41.2917% | 770 |
| Efficiency ratio | 43.3066% | 6,798 |
| Assets per employee ($millions) | 6.5194% | 979 |
| Cash dividends to net income (ytd only)* | 8.4648% | 2,506 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2688% | 4,853 |
| Loan loss allowance to noncurrent loans | 310.0427% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.2564% | 5,800 |
| Noncurrent loans to loans | 0.4092% | 5,393 |
| Net loans and leases to total assets | 61.8536% | 3,090 |
| Net loans and leases to deposits | 73.3263% | 3,008 |
| Net loans and leases to core deposits | 75.6627% | 3,365 |
| Total domestic deposits to total assets | 84.3539% | 4,332 |
| Equity capital to assets | 13.5052% | 1,208 |
| Core capital (leverage) ratio | 13.4663% | 956 |
| Tier 1 risk-based capital ratio | 23.0610% | 1,150 |
| Total risk-based capital ratio | 24.3006% | 1,130 |
| Memoranda: |
| Average total assets | $182,528,500 | 3,318 |
| Average earning assets | $167,610,500 | 3,312 |
| Average equity | $24,477,000 | 2,763 |
| Average total loans | $114,546,000 | 3,192 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6333% | 2,867 |
| Cost of funding earning assets | 0.7143% | 3,370 |
| Net interest margin | 3.9189% | 2,750 |
| Noninterest income to average assets | 0.3387% | 5,035 |
| Noninterest expense to average assets | 2.1136% | 6,097 |
| Loan and lease loss provision to assets | 0.0511% | 5,175 |
| Net operating income to assets | 1.2653% | 1,407 |
| Return on assets (ROA) | 1.2653% | 1,560 |
| Pretax return on assets | 1.7772% | 963 |
| Return on Equity (ROE) | 9.5716% | 2,374 |
| Retained earnings to average equity (ytd only) | 6.6779% | 1,732 |
| Net charge-offs to loans | 0.0764% | 4,914 |
| Credit loss provision to net charge-offs | 108.2353% | 2,723 |
| Earnings coverage of net charge-offs (x) | 38.7412% | 825 |
| Efficiency ratio | 53.6197% | 6,301 |
| Assets per employee ($millions) | 6.2936% | 1,109 |
| Cash dividends to net income (ytd only)* | 30.2326% | 3,364 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2856% | 4,711 |
| Loan loss allowance to noncurrent loans | 284.2004% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.2844% | 5,830 |
| Noncurrent loans to loans | 0.4524% | 5,374 |
| Net loans and leases to total assets | 62.0537% | 3,238 |
| Net loans and leases to deposits | 73.4894% | 3,174 |
| Net loans and leases to core deposits | 75.8209% | 3,558 |
| Total domestic deposits to total assets | 84.4389% | 4,109 |
| Equity capital to assets | 13.3147% | 1,305 |
| Core capital (leverage) ratio | 13.1542% | 1,059 |
| Tier 1 risk-based capital ratio | 22.8204% | 1,137 |
| Total risk-based capital ratio | 24.0728% | 1,122 |
| Memoranda: |
| Average total assets | $180,118,400 | 3,313 |
| Average earning assets | $165,606,800 | 3,296 |
| Average equity | $23,810,000 | 2,765 |
| Average total loans | $111,295,000 | 3,270 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6696% | 2,925 |
| Cost of funding earning assets | 0.7472% | 3,373 |
| Net interest margin | 3.9224% | 2,833 |
| Noninterest income to average assets | 0.3699% | 4,872 |
| Noninterest expense to average assets | 1.8144% | 6,664 |
| Loan and lease loss provision to assets | 0.0661% | 4,871 |
| Net operating income to assets | 1.5485% | 946 |
| Return on assets (ROA) | 1.5485% | 1,050 |
| Pretax return on assets | 2.0959% | 581 |
| Return on Equity (ROE) | 11.7360% | 1,728 |
| Retained earnings to average equity (ytd only) | 10.7622% | 732 |
| Net charge-offs to loans | 0.0580% | 4,851 |
| Credit loss provision to net charge-offs | 185.4167% | 1,494 |
| Earnings coverage of net charge-offs (x) | 60.6444% | 648 |
| Efficiency ratio | 45.6294% | 6,830 |
| Assets per employee ($millions) | 6.3421% | 1,037 |
| Cash dividends to net income (ytd only)* | 8.2973% | 3,496 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3685% | 4,503 |
| Loan loss allowance to noncurrent loans | 255.3299% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.3213% | 5,894 |
| Noncurrent loans to loans | 0.5360% | 5,372 |
| Net loans and leases to total assets | 59.1311% | 3,943 |
| Net loans and leases to deposits | 70.0983% | 3,883 |
| Net loans and leases to core deposits | 72.3113% | 4,210 |
| Total domestic deposits to total assets | 84.3546% | 4,057 |
| Equity capital to assets | 13.4080% | 1,389 |
| Core capital (leverage) ratio | 13.4244% | 1,036 |
| Tier 1 risk-based capital ratio | 23.9578% | 1,028 |
| Total risk-based capital ratio | 25.2109% | 1,008 |
| Memoranda: |
| Average total assets | $179,519,750 | 3,360 |
| Average earning assets | $165,065,250 | 3,339 |
| Average equity | $23,687,250 | 2,801 |
| Average total loans | $110,436,000 | 3,317 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7424% | 2,747 |
| Cost of funding earning assets | 0.7882% | 3,292 |
| Net interest margin | 3.9542% | 2,705 |
| Noninterest income to average assets | 0.3662% | 4,897 |
| Noninterest expense to average assets | 1.7141% | 6,828 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.6950% | 678 |
| Return on assets (ROA) | 1.6950% | 767 |
| Pretax return on assets | 2.2870% | 425 |
| Return on Equity (ROE) | 12.9179% | 1,383 |
| Retained earnings to average equity (ytd only) | 11.9163% | 596 |
| Net charge-offs to loans | 0.0652% | 4,521 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 56.5556% | 667 |
| Efficiency ratio | 42.8411% | 6,991 |
| Assets per employee ($millions) | 5.8065% | 1,368 |
| Cash dividends to net income (ytd only)* | 7.7535% | 3,360 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3035% | 4,870 |
| Loan loss allowance to noncurrent loans | 104.7549% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 0.7594% | 4,896 |
| Noncurrent loans to loans | 1.2443% | 4,061 |
| Net loans and leases to total assets | 60.2354% | 3,776 |
| Net loans and leases to deposits | 71.5304% | 3,684 |
| Net loans and leases to core deposits | 74.3421% | 3,976 |
| Total domestic deposits to total assets | 84.2096% | 4,228 |
| Equity capital to assets | 13.3965% | 1,343 |
| Core capital (leverage) ratio | 13.3126% | 1,051 |
| Tier 1 risk-based capital ratio | 23.6161% | 1,063 |
| Total risk-based capital ratio | 24.8684% | 1,046 |
| Memoranda: |
| Average total assets | $178,053,000 | 3,387 |
| Average earning assets | $163,673,000 | 3,368 |
| Average equity | $23,363,000 | 2,821 |
| Average total loans | $110,493,670 | 3,322 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7832% | 2,696 |
| Cost of funding earning assets | 0.8295% | 3,234 |
| Net interest margin | 3.9537% | 2,697 |
| Noninterest income to average assets | 0.3479% | 5,076 |
| Noninterest expense to average assets | 1.5451% | 7,019 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.7258% | 687 |
| Return on assets (ROA) | 1.7258% | 767 |
| Pretax return on assets | 2.4419% | 362 |
| Return on Equity (ROE) | 13.2942% | 1,325 |
| Retained earnings to average equity (ytd only) | 12.2501% | 790 |
| Net charge-offs to loans | -0.0217% | 6,210 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.7535% | 7,129 |
| Assets per employee ($millions) | 5.9648% | 1,303 |
| Cash dividends to net income (ytd only)* | 7.8534% | 2,604 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3266% | 4,904 |
| Loan loss allowance to noncurrent loans | 106.9666% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 0.7701% | 5,005 |
| Noncurrent loans to loans | 1.2402% | 4,264 |
| Net loans and leases to total assets | 61.2706% | 3,398 |
| Net loans and leases to deposits | 72.5358% | 3,349 |
| Net loans and leases to core deposits | 75.3664% | 3,702 |
| Total domestic deposits to total assets | 84.4694% | 4,291 |
| Equity capital to assets | 13.0326% | 1,428 |
| Core capital (leverage) ratio | 13.0817% | 1,096 |
| Tier 1 risk-based capital ratio | 22.3869% | 1,228 |
| Total risk-based capital ratio | 23.6394% | 1,202 |
| Memoranda: |
| Average total assets | $177,078,500 | 3,421 |
| Average earning assets | $162,987,000 | 3,391 |
| Average equity | $22,987,500 | 2,853 |
| Average total loans | $110,812,000 | 3,332 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0623% | 2,597 |
| Cost of funding earning assets | 0.9759% | 3,538 |
| Net interest margin | 4.0864% | 2,492 |
| Noninterest income to average assets | 0.3927% | 4,676 |
| Noninterest expense to average assets | 2.2510% | 6,161 |
| Loan and lease loss provision to assets | 0.0794% | 5,624 |
| Net operating income to assets | 1.3066% | 1,229 |
| Return on assets (ROA) | 1.3066% | 1,336 |
| Pretax return on assets | 1.8277% | 761 |
| Return on Equity (ROE) | 10.3002% | 1,958 |
| Retained earnings to average equity (ytd only) | 6.8134% | 1,589 |
| Net charge-offs to loans | -0.0224% | 6,970 |
| Credit loss provision to net charge-offs | -543.4783% | 6,821 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1342% | 6,497 |
| Assets per employee ($millions) | 6.0418% | 1,203 |
| Cash dividends to net income (ytd only)* | 33.8521% | 2,934 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3284% | 4,766 |
| Loan loss allowance to noncurrent loans | 100.8242% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 0.8310% | 4,966 |
| Noncurrent loans to loans | 1.3175% | 4,173 |
| Net loans and leases to total assets | 62.2340% | 3,555 |
| Net loans and leases to deposits | 73.8702% | 3,522 |
| Net loans and leases to core deposits | 76.6854% | 3,879 |
| Total domestic deposits to total assets | 84.2477% | 4,219 |
| Equity capital to assets | 12.9294% | 1,528 |
| Core capital (leverage) ratio | 12.8234% | 1,209 |
| Tier 1 risk-based capital ratio | 21.9025% | 1,249 |
| Total risk-based capital ratio | 23.1546% | 1,220 |
| Memoranda: |
| Average total assets | $157,354,600 | 3,671 |
| Average earning assets | $144,992,800 | 3,658 |
| Average equity | $19,960,800 | 3,153 |
| Average total loans | $102,598,800 | 3,556 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0678% | 2,760 |
| Cost of funding earning assets | 0.9994% | 3,682 |
| Net interest margin | 4.0685% | 2,608 |
| Noninterest income to average assets | 0.4107% | 4,582 |
| Noninterest expense to average assets | 2.0563% | 6,581 |
| Loan and lease loss provision to assets | 0.0375% | 5,968 |
| Net operating income to assets | 1.4790% | 984 |
| Return on assets (ROA) | 1.4790% | 1,064 |
| Pretax return on assets | 2.0659% | 551 |
| Return on Equity (ROE) | 11.7241% | 1,613 |
| Retained earnings to average equity (ytd only) | 10.6871% | 686 |
| Net charge-offs to loans | -0.0252% | 6,946 |
| Credit loss provision to net charge-offs | -226.3158% | 6,592 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4340% | 6,857 |
| Assets per employee ($millions) | 5.5192% | 1,581 |
| Cash dividends to net income (ytd only)* | 8.8445% | 3,305 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2666% | 5,166 |
| Loan loss allowance to noncurrent loans | 88.2503% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 0.9357% | 4,884 |
| Noncurrent loans to loans | 1.4352% | 4,138 |
| Net loans and leases to total assets | 62.9666% | 3,516 |
| Net loans and leases to deposits | 75.1426% | 3,484 |
| Net loans and leases to core deposits | 78.1539% | 3,879 |
| Total domestic deposits to total assets | 83.7960% | 4,328 |
| Equity capital to assets | 13.2641% | 1,482 |
| Core capital (leverage) ratio | 13.6169% | 1,010 |
| Tier 1 risk-based capital ratio | 22.6525% | 1,193 |
| Total risk-based capital ratio | 23.9036% | 1,172 |
| Memoranda: |
| Average total assets | $152,890,000 | 3,776 |
| Average earning assets | $140,884,750 | 3,748 |
| Average equity | $19,287,500 | 3,246 |
| Average total loans | $100,621,000 | 3,632 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0691% | 2,837 |
| Cost of funding earning assets | 1.0336% | 3,718 |
| Net interest margin | 4.0355% | 2,673 |
| Noninterest income to average assets | 0.4196% | 4,515 |
| Noninterest expense to average assets | 1.9261% | 6,910 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.6660% | 644 |
| Return on assets (ROA) | 1.6660% | 685 |
| Pretax return on assets | 2.2108% | 403 |
| Return on Equity (ROE) | 13.4751% | 1,094 |
| Retained earnings to average equity (ytd only) | 12.3402% | 477 |
| Net charge-offs to loans | 0.0429% | 5,257 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 77.2857% | 443 |
| Efficiency ratio | 46.5591% | 7,133 |
| Assets per employee ($millions) | 6.4900% | 932 |
| Cash dividends to net income (ytd only)* | 8.4219% | 3,167 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3199% | 4,969 |
| Loan loss allowance to noncurrent loans | 83.9147% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 1.0370% | 4,812 |
| Noncurrent loans to loans | 1.5729% | 4,044 |
| Net loans and leases to total assets | 65.0606% | 3,245 |
| Net loans and leases to deposits | 77.4969% | 3,218 |
| Net loans and leases to core deposits | 81.6753% | 3,557 |
| Total domestic deposits to total assets | 83.9526% | 4,370 |
| Equity capital to assets | 12.5471% | 1,755 |
| Core capital (leverage) ratio | 12.5943% | 1,321 |
| Tier 1 risk-based capital ratio | 21.3386% | 1,356 |
| Total risk-based capital ratio | 22.5919% | 1,340 |
| Memoranda: |
| Average total assets | $146,822,000 | 3,905 |
| Average earning assets | $135,250,330 | 3,876 |
| Average equity | $18,152,000 | 3,395 |
| Average total loans | $97,790,000 | 3,745 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1297% | 2,513 |
| Cost of funding earning assets | 1.0480% | 3,865 |
| Net interest margin | 4.0817% | 2,341 |
| Noninterest income to average assets | 0.4423% | 4,342 |
| Noninterest expense to average assets | 1.7253% | 7,208 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.9478% | 374 |
| Return on assets (ROA) | 1.9478% | 393 |
| Pretax return on assets | 2.4836% | 251 |
| Return on Equity (ROE) | 15.8759% | 692 |
| Retained earnings to average equity (ytd only) | 14.6892% | 419 |
| Net charge-offs to loans | 0.0041% | 5,073 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 904.0000% | 14 |
| Efficiency ratio | 40.9922% | 7,371 |
| Assets per employee ($millions) | 6.4068% | 967 |
| Cash dividends to net income (ytd only)* | 7.4753% | 2,423 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3536% | 4,883 |
| Loan loss allowance to noncurrent loans | 118.1900% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.7573% | 5,406 |
| Noncurrent loans to loans | 1.1453% | 4,787 |
| Net loans and leases to total assets | 65.2314% | 3,190 |
| Net loans and leases to deposits | 77.7650% | 3,102 |
| Net loans and leases to core deposits | 82.6580% | 3,359 |
| Total domestic deposits to total assets | 83.8827% | 4,532 |
| Equity capital to assets | 12.3333% | 1,722 |
| Core capital (leverage) ratio | 12.5072% | 1,320 |
| Tier 1 risk-based capital ratio | 20.3844% | 1,503 |
| Total risk-based capital ratio | 21.6369% | 1,480 |
| Memoranda: |
| Average total assets | $145,598,000 | 3,965 |
| Average earning assets | $134,356,000 | 3,928 |
| Average equity | $17,863,500 | 3,417 |
| Average total loans | $97,477,500 | 3,792 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4116% | 2,617 |
| Cost of funding earning assets | 1.2518% | 4,204 |
| Net interest margin | 4.1598% | 2,326 |
| Noninterest income to average assets | 0.3965% | 4,932 |
| Noninterest expense to average assets | 2.1043% | 6,832 |
| Loan and lease loss provision to assets | 0.3321% | 4,161 |
| Net operating income to assets | 1.2823% | 1,220 |
| Return on assets (ROA) | 1.2823% | 1,277 |
| Pretax return on assets | 1.8069% | 749 |
| Return on Equity (ROE) | 10.5099% | 1,763 |
| Retained earnings to average equity (ytd only) | 7.3819% | 1,182 |
| Net charge-offs to loans | 0.1171% | 5,708 |
| Credit loss provision to net charge-offs | 422.5225% | 558 |
| Earnings coverage of net charge-offs (x) | 27.2162% | 800 |
| Efficiency ratio | 49.5912% | 7,154 |
| Assets per employee ($millions) | 6.5381% | 936 |
| Cash dividends to net income (ytd only)* | 29.7626% | 3,055 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3537% | 4,728 |
| Loan loss allowance to noncurrent loans | 166.2469% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.5520% | 5,929 |
| Noncurrent loans to loans | 0.8143% | 5,421 |
| Net loans and leases to total assets | 66.8755% | 3,253 |
| Net loans and leases to deposits | 79.8627% | 3,201 |
| Net loans and leases to core deposits | 86.6979% | 3,230 |
| Total domestic deposits to total assets | 83.7381% | 4,485 |
| Equity capital to assets | 12.2032% | 1,788 |
| Core capital (leverage) ratio | 11.9848% | 1,558 |
| Tier 1 risk-based capital ratio | 19.8061% | 1,523 |
| Total risk-based capital ratio | 21.0595% | 1,494 |
| Memoranda: |
| Average total assets | $141,234,400 | 4,036 |
| Average earning assets | $130,608,400 | 4,004 |
| Average equity | $17,231,400 | 3,545 |
| Average total loans | $94,789,800 | 3,931 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3963% | 2,905 |
| Cost of funding earning assets | 1.2853% | 4,325 |
| Net interest margin | 4.1110% | 2,580 |
| Noninterest income to average assets | 0.3794% | 5,118 |
| Noninterest expense to average assets | 1.7346% | 7,407 |
| Loan and lease loss provision to assets | 0.2352% | 4,719 |
| Net operating income to assets | 1.6294% | 702 |
| Return on assets (ROA) | 1.6294% | 767 |
| Pretax return on assets | 2.2136% | 397 |
| Return on Equity (ROE) | 13.3555% | 1,173 |
| Retained earnings to average equity (ytd only) | 12.1739% | 440 |
| Net charge-offs to loans | 0.0043% | 6,616 |
| Credit loss provision to net charge-offs | 8,266.6667% | 32 |
| Earnings coverage of net charge-offs (x) | 860.6450% | 25 |
| Efficiency ratio | 41.4645% | 7,543 |
| Assets per employee ($millions) | 6.6396% | 908 |
| Cash dividends to net income (ytd only)* | 8.8474% | 3,354 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2537% | 5,208 |
| Loan loss allowance to noncurrent loans | 184.2748% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.5977% | 5,945 |
| Noncurrent loans to loans | 0.6803% | 5,844 |
| Net loans and leases to total assets | 65.0841% | 3,894 |
| Net loans and leases to deposits | 80.0979% | 3,428 |
| Net loans and leases to core deposits | 85.9350% | 3,666 |
| Total domestic deposits to total assets | 81.2557% | 5,283 |
| Equity capital to assets | 12.2940% | 1,978 |
| Core capital (leverage) ratio | 12.2643% | 1,528 |
| Tier 1 risk-based capital ratio | 20.8593% | 1,381 |
| Total risk-based capital ratio | 22.1107% | 1,364 |
| Memoranda: |
| Average total assets | $140,583,250 | 4,096 |
| Average earning assets | $130,086,000 | 4,065 |
| Average equity | $17,151,000 | 3,614 |
| Average total loans | $94,109,000 | 4,015 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4683% | 2,660 |
| Cost of funding earning assets | 1.2807% | 4,646 |
| Net interest margin | 4.1876% | 2,191 |
| Noninterest income to average assets | 0.3531% | 5,322 |
| Noninterest expense to average assets | 1.7297% | 7,479 |
| Loan and lease loss provision to assets | 0.3575% | 3,573 |
| Net operating income to assets | 1.5207% | 875 |
| Return on assets (ROA) | 1.5207% | 938 |
| Pretax return on assets | 2.1448% | 453 |
| Return on Equity (ROE) | 12.4985% | 1,350 |
| Retained earnings to average equity (ytd only) | 11.2783% | 601 |
| Net charge-offs to loans | -0.0021% | 7,073 |
| Credit loss provision to net charge-offs | -24,800.0000% | 7,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8719% | 7,628 |
| Assets per employee ($millions) | 6.2381% | 1,077 |
| Cash dividends to net income (ytd only)* | 9.7630% | 3,166 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2654% | 5,104 |
| Loan loss allowance to noncurrent loans | 345.0142% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.5966% | 6,002 |
| Noncurrent loans to loans | 0.3668% | 6,501 |
| Net loans and leases to total assets | 65.8572% | 3,864 |
| Net loans and leases to deposits | 81.1519% | 3,407 |
| Net loans and leases to core deposits | 84.8182% | 4,020 |
| Total domestic deposits to total assets | 81.1531% | 5,349 |
| Equity capital to assets | 12.0995% | 2,043 |
| Core capital (leverage) ratio | 12.2957% | 1,498 |
| Tier 1 risk-based capital ratio | 20.3496% | 1,456 |
| Total risk-based capital ratio | 21.6023% | 1,424 |
| Memoranda: |
| Average total assets | $138,754,000 | 4,161 |
| Average earning assets | $128,523,670 | 4,121 |
| Average equity | $16,882,000 | 3,651 |
| Average total loans | $93,386,670 | 4,072 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5294% | 2,460 |
| Cost of funding earning assets | 1.3143% | 4,728 |
| Net interest margin | 4.2151% | 1,978 |
| Noninterest income to average assets | 0.3167% | 5,614 |
| Noninterest expense to average assets | 1.6746% | 7,598 |
| Loan and lease loss provision to assets | 0.2933% | 3,678 |
| Net operating income to assets | 1.7156% | 592 |
| Return on assets (ROA) | 1.7156% | 645 |
| Pretax return on assets | 2.2523% | 387 |
| Return on Equity (ROE) | 14.0600% | 1,044 |
| Retained earnings to average equity (ytd only) | 12.8823% | 635 |
| Net charge-offs to loans | -0.0087% | 6,869 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,644 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6803% | 7,741 |
| Assets per employee ($millions) | 5.9395% | 1,295 |
| Cash dividends to net income (ytd only)* | 8.3761% | 2,432 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1285% | 5,871 |
| Loan loss allowance to noncurrent loans | 358.2492% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.2174% | 6,914 |
| Noncurrent loans to loans | 0.3150% | 6,679 |
| Net loans and leases to total assets | 68.2393% | 3,329 |
| Net loans and leases to deposits | 81.9878% | 3,284 |
| Net loans and leases to core deposits | 87.7358% | 3,653 |
| Total domestic deposits to total assets | 83.2310% | 4,510 |
| Equity capital to assets | 12.3777% | 1,823 |
| Core capital (leverage) ratio | 12.2953% | 1,495 |
| Tier 1 risk-based capital ratio | 20.7385% | 1,384 |
| Total risk-based capital ratio | 21.9898% | 1,361 |
| Memoranda: |
| Average total assets | $136,392,500 | 4,264 |
| Average earning assets | $126,307,500 | 4,235 |
| Average equity | $16,643,000 | 3,727 |
| Average total loans | $92,229,500 | 4,161 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6698% | 3,256 |
| Cost of funding earning assets | 1.8119% | 3,928 |
| Net interest margin | 3.8579% | 3,444 |
| Noninterest income to average assets | 0.3655% | 5,473 |
| Noninterest expense to average assets | 2.0231% | 7,336 |
| Loan and lease loss provision to assets | 0.2299% | 5,533 |
| Net operating income to assets | 1.1564% | 1,370 |
| Return on assets (ROA) | 1.1564% | 1,394 |
| Pretax return on assets | 1.7120% | 758 |
| Return on Equity (ROE) | 9.3749% | 1,894 |
| Retained earnings to average equity (ytd only) | 5.9020% | 1,388 |
| Net charge-offs to loans | 0.3642% | 4,403 |
| Credit loss provision to net charge-offs | 94.0439% | 5,848 |
| Earnings coverage of net charge-offs (x) | 7.9436% | 2,032 |
| Efficiency ratio | 51.0244% | 7,473 |
| Assets per employee ($millions) | 5.9207% | 1,303 |
| Cash dividends to net income (ytd only)* | 37.0444% | 3,046 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0668% | 6,058 |
| Loan loss allowance to noncurrent loans | 498.4456% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.1417% | 7,123 |
| Noncurrent loans to loans | 0.2140% | 6,891 |
| Net loans and leases to total assets | 65.5123% | 4,275 |
| Net loans and leases to deposits | 77.8227% | 4,416 |
| Net loans and leases to core deposits | 93.4079% | 4,738 |
| Total domestic deposits to total assets | 84.1815% | 3,947 |
| Equity capital to assets | 12.0263% | 2,022 |
| Core capital (leverage) ratio | 12.0074% | 1,665 |
| Tier 1 risk-based capital ratio | 20.5753% | 1,366 |
| Total risk-based capital ratio | 21.7933% | 1,336 |
| Memoranda: |
| Average total assets | $130,491,800 | 4,326 |
| Average earning assets | $121,749,800 | 4,267 |
| Average equity | $16,096,200 | 3,855 |
| Average total loans | $87,592,600 | 4,280 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6945% | 3,366 |
| Cost of funding earning assets | 1.9173% | 3,784 |
| Net interest margin | 3.7772% | 3,753 |
| Noninterest income to average assets | 0.3419% | 5,759 |
| Noninterest expense to average assets | 1.8150% | 7,648 |
| Loan and lease loss provision to assets | 0.2066% | 5,332 |
| Net operating income to assets | 1.3295% | 1,159 |
| Return on assets (ROA) | 1.3295% | 1,224 |
| Pretax return on assets | 1.8553% | 725 |
| Return on Equity (ROE) | 10.7074% | 1,707 |
| Retained earnings to average equity (ytd only) | 9.4428% | 741 |
| Net charge-offs to loans | 0.4938% | 3,251 |
| Credit loss provision to net charge-offs | 62.1118% | 6,134 |
| Earnings coverage of net charge-offs (x) | 6.1988% | 2,649 |
| Efficiency ratio | 46.8159% | 7,734 |
| Assets per employee ($millions) | 5.7487% | 1,384 |
| Cash dividends to net income (ytd only)* | 11.8103% | 3,466 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9624% | 6,477 |
| Loan loss allowance to noncurrent loans | 445.0777% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.2329% | 6,933 |
| Noncurrent loans to loans | 0.2162% | 6,957 |
| Net loans and leases to total assets | 66.8585% | 4,226 |
| Net loans and leases to deposits | 80.0523% | 4,377 |
| Net loans and leases to core deposits | 94.8478% | 4,946 |
| Total domestic deposits to total assets | 83.5185% | 3,950 |
| Equity capital to assets | 12.5752% | 1,902 |
| Core capital (leverage) ratio | 12.4306% | 1,609 |
| Tier 1 risk-based capital ratio | 21.2362% | 1,339 |
| Total risk-based capital ratio | 22.3461% | 1,338 |
| Memoranda: |
| Average total assets | $129,070,750 | 4,389 |
| Average earning assets | $120,792,000 | 4,326 |
| Average equity | $16,026,000 | 3,908 |
| Average total loans | $86,947,250 | 4,340 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6964% | 3,556 |
| Cost of funding earning assets | 2.0385% | 3,580 |
| Net interest margin | 3.6579% | 4,129 |
| Noninterest income to average assets | 0.3124% | 6,011 |
| Noninterest expense to average assets | 1.8466% | 7,690 |
| Loan and lease loss provision to assets | 0.3124% | 4,071 |
| Net operating income to assets | 1.0389% | 1,977 |
| Return on assets (ROA) | 1.0389% | 2,056 |
| Pretax return on assets | 1.5763% | 1,267 |
| Return on Equity (ROE) | 8.4041% | 2,608 |
| Retained earnings to average equity (ytd only) | 7.1024% | 1,543 |
| Net charge-offs to loans | 0.6707% | 2,364 |
| Credit loss provision to net charge-offs | 69.2042% | 5,431 |
| Earnings coverage of net charge-offs (x) | 4.1834% | 3,183 |
| Efficiency ratio | 49.4354% | 7,700 |
| Assets per employee ($millions) | 5.7415% | 1,390 |
| Cash dividends to net income (ytd only)* | 15.4887% | 3,268 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0263% | 6,040 |
| Loan loss allowance to noncurrent loans | 464.5833% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.2325% | 6,917 |
| Noncurrent loans to loans | 0.2209% | 6,958 |
| Net loans and leases to total assets | 65.1403% | 4,733 |
| Net loans and leases to deposits | 77.7865% | 4,912 |
| Net loans and leases to core deposits | 90.3193% | 5,506 |
| Total domestic deposits to total assets | 83.7424% | 3,899 |
| Equity capital to assets | 12.1359% | 2,126 |
| Core capital (leverage) ratio | 12.0508% | 1,811 |
| Tier 1 risk-based capital ratio | 20.7438% | 1,438 |
| Total risk-based capital ratio | 21.9103% | 1,412 |
| Memoranda: |
| Average total assets | $128,020,670 | 4,433 |
| Average earning assets | $119,794,330 | 4,371 |
| Average equity | $15,825,670 | 3,954 |
| Average total loans | $86,176,330 | 4,397 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7237% | 3,681 |
| Cost of funding earning assets | 2.1023% | 3,634 |
| Net interest margin | 3.6214% | 4,233 |
| Noninterest income to average assets | 0.3905% | 5,294 |
| Noninterest expense to average assets | 1.6190% | 7,898 |
| Loan and lease loss provision to assets | 0.3175% | 3,430 |
| Net operating income to assets | 1.3206% | 1,336 |
| Return on assets (ROA) | 1.3206% | 1,436 |
| Pretax return on assets | 1.8444% | 900 |
| Return on Equity (ROE) | 10.5815% | 2,102 |
| Retained earnings to average equity (ytd only) | 9.2334% | 1,414 |
| Net charge-offs to loans | 1.3519% | 1,046 |
| Credit loss provision to net charge-offs | 34.4828% | 4,895 |
| Earnings coverage of net charge-offs (x) | 2.3483% | 3,558 |
| Efficiency ratio | 42.8212% | 7,972 |
| Assets per employee ($millions) | 5.6075% | 1,466 |
| Cash dividends to net income (ytd only)* | 12.7404% | 2,668 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9224% | 6,643 |
| Loan loss allowance to noncurrent loans | 411.9792% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.2380% | 6,801 |
| Noncurrent loans to loans | 0.2239% | 6,894 |
| Net loans and leases to total assets | 65.8810% | 4,608 |
| Net loans and leases to deposits | 78.9922% | 4,774 |
| Net loans and leases to core deposits | 92.9171% | 5,265 |
| Total domestic deposits to total assets | 83.4018% | 3,952 |
| Equity capital to assets | 12.3112% | 2,072 |
| Core capital (leverage) ratio | 11.9143% | 1,935 |
| Tier 1 risk-based capital ratio | 20.7248% | 1,488 |
| Total risk-based capital ratio | 21.7713% | 1,492 |
| Memoranda: |
| Average total assets | $126,003,500 | 4,494 |
| Average earning assets | $117,965,500 | 4,430 |
| Average equity | $15,725,500 | 3,998 |
| Average total loans | $85,808,000 | 4,437 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1194% | 4,942 |
| Cost of funding earning assets | 2.4749% | 4,336 |
| Net interest margin | 3.6445% | 4,703 |
| Noninterest income to average assets | 0.3379% | 6,035 |
| Noninterest expense to average assets | 2.0513% | 7,343 |
| Loan and lease loss provision to assets | 0.1084% | 5,987 |
| Net operating income to assets | 1.1519% | 1,934 |
| Return on assets (ROA) | 0.9935% | 2,466 |
| Pretax return on assets | 1.3664% | 2,068 |
| Return on Equity (ROE) | 7.8771% | 3,121 |
| Retained earnings to average equity (ytd only) | 4.5305% | 2,304 |
| Net charge-offs to loans | 0.0325% | 6,371 |
| Credit loss provision to net charge-offs | 481.4815% | 915 |
| Earnings coverage of net charge-offs (x) | 75.1111% | 543 |
| Efficiency ratio | 54.8028% | 7,173 |
| Assets per employee ($millions) | 5.3493% | 1,583 |
| Cash dividends to net income (ytd only)* | 42.4853% | 3,538 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1426% | 4,977 |
| Loan loss allowance to noncurrent loans | 145.1183% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 0.5494% | 5,532 |
| Noncurrent loans to loans | 0.7874% | 5,069 |
| Net loans and leases to total assets | 68.9852% | 4,258 |
| Net loans and leases to deposits | 83.5369% | 4,491 |
| Net loans and leases to core deposits | 98.7826% | 4,951 |
| Total domestic deposits to total assets | 82.5806% | 3,956 |
| Equity capital to assets | 12.6574% | 1,941 |
| Core capital (leverage) ratio | 12.3270% | 1,818 |
| Tier 1 risk-based capital ratio | 20.8168% | 1,477 |
| Total risk-based capital ratio | 22.0685% | 1,456 |
| Memoranda: |
| Average total assets | $119,875,600 | 4,525 |
| Average earning assets | $112,005,000 | 4,471 |
| Average equity | $15,119,800 | 4,117 |
| Average total loans | $83,163,400 | 4,421 |
