| 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 | 4.9599% | 3,161 |
| Cost of funding earning assets | 1.5297% | 3,293 |
| Net interest margin | 3.4302% | 2,224 |
| Noninterest income to average assets | 0.5200% | 1,840 |
| Noninterest expense to average assets | 2.5126% | 2,269 |
| Loan and lease loss provision to assets | 0.0900% | 1,528 |
| Net operating income to assets | 1.1228% | 1,675 |
| Return on assets (ROA) | 0.9924% | 2,077 |
| Pretax return on assets | 0.9924% | 2,551 |
| Return on Equity (ROE) | 11.4800% | 1,747 |
| Retained earnings to average equity (ytd only) | 6.3571% | 1,686 |
| Net charge-offs to loans | -0.0087% | 4,000 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 67.4948% | 2,311 |
| Assets per employee ($millions) | 5.5917% | 3,218 |
| Cash dividends to net income (ytd only)* | 44.6429% | 1,901 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4258% | 1,226 |
| Loan loss allowance to noncurrent loans | 187.3392% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.3913% | 1,748 |
| Noncurrent loans to loans | 0.7611% | 1,305 |
| Net loans and leases to total assets | 50.3100% | 3,614 |
| Net loans and leases to deposits | 55.9611% | 3,718 |
| Net loans and leases to core deposits | 61.5248% | 3,696 |
| Total domestic deposits to total assets | 89.9000% | 853 |
| Equity capital to assets | 8.4135% | 3,272 |
| Core capital (leverage) ratio | 9.9352% | 2,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: |
| Average total assets | $361,141,200 | 2,188 |
| Average earning assets | $337,120,600 | 2,173 |
| Average equity | $31,209,200 | 2,328 |
| Average total loans | $184,050,200 | 2,487 |
| 2024-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9241% | 3,157 |
| Cost of funding earning assets | 1.4439% | 3,454 |
| Net interest margin | 3.4802% | 2,073 |
| Noninterest income to average assets | 0.5300% | 1,766 |
| Noninterest expense to average assets | 2.4061% | 2,504 |
| Loan and lease loss provision to assets | 0.0800% | 1,521 |
| Net operating income to assets | 1.2859% | 1,335 |
| Return on assets (ROA) | 1.1097% | 1,735 |
| Pretax return on assets | 1.1097% | 2,221 |
| Return on Equity (ROE) | 12.7500% | 1,427 |
| Retained earnings to average equity (ytd only) | 9.0968% | 1,092 |
| Net charge-offs to loans | 0.0059% | 2,455 |
| Credit loss provision to net charge-offs | 2,812.5000% | 174 |
| Earnings coverage of net charge-offs (x) | 457.7500% | 258 |
| Efficiency ratio | 63.7174% | 2,749 |
| Assets per employee ($millions) | 5.3207% | 3,432 |
| Cash dividends to net income (ytd only)* | 28.6581% | 2,240 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4202% | 1,275 |
| Loan loss allowance to noncurrent loans | 261.0236% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.4127% | 1,632 |
| Noncurrent loans to loans | 0.5441% | 1,731 |
| Net loans and leases to total assets | 50.1400% | 3,627 |
| Net loans and leases to deposits | 56.5177% | 3,729 |
| Net loans and leases to core deposits | 61.2971% | 3,744 |
| Total domestic deposits to total assets | 88.7200% | 1,004 |
| Equity capital to assets | 9.5230% | 2,649 |
| Core capital (leverage) ratio | 10.2550% | 2,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: |
| Average total assets | $356,368,000 | 2,199 |
| Average earning assets | $332,426,500 | 2,195 |
| Average equity | $31,013,750 | 2,335 |
| Average total loans | $181,547,500 | 2,496 |
| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8457% | 3,199 |
| Cost of funding earning assets | 1.3750% | 3,508 |
| Net interest margin | 3.4707% | 2,029 |
| Noninterest income to average assets | 0.5500% | 1,634 |
| Noninterest expense to average assets | 2.4446% | 2,395 |
| Loan and lease loss provision to assets | 0.0800% | 1,436 |
| Net operating income to assets | 1.2676% | 1,330 |
| Return on assets (ROA) | 1.0006% | 2,000 |
| Pretax return on assets | 1.0006% | 2,491 |
| Return on Equity (ROE) | 11.8900% | 1,651 |
| Retained earnings to average equity (ytd only) | 6.1621% | 1,953 |
| Net charge-offs to loans | -0.0300% | 4,220 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 64.5219% | 2,704 |
| Assets per employee ($millions) | 5.2707% | 3,397 |
| Cash dividends to net income (ytd only)* | 48.1586% | 1,527 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3953% | 1,397 |
| Loan loss allowance to noncurrent loans | 180.7237% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.4069% | 1,576 |
| Noncurrent loans to loans | 0.7721% | 1,205 |
| Net loans and leases to total assets | 51.9700% | 3,542 |
| Net loans and leases to deposits | 57.9796% | 3,668 |
| Net loans and leases to core deposits | 62.3647% | 3,679 |
| Total domestic deposits to total assets | 89.6300% | 807 |
| Equity capital to assets | 8.5697% | 3,057 |
| Core capital (leverage) ratio | 10.1586% | 2,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: |
| Average total assets | $352,780,333 | 2,203 |
| Average earning assets | $329,158,000 | 2,196 |
| Average equity | $29,697,667 | 2,366 |
| Average total loans | $179,819,333 | 2,504 |
| 2024-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6648% | 3,407 |
| Cost of funding earning assets | 1.3053% | 3,551 |
| Net interest margin | 3.3595% | 2,210 |
| Noninterest income to average assets | 0.5800% | 1,433 |
| Noninterest expense to average assets | 2.3301% | 2,707 |
| Loan and lease loss provision to assets | 0.0500% | 1,722 |
| Net operating income to assets | 1.3318% | 1,184 |
| Return on assets (ROA) | 0.7975% | 2,560 |
| Pretax return on assets | 0.7975% | 2,929 |
| Return on Equity (ROE) | 9.5600% | 2,247 |
| Retained earnings to average equity (ytd only) | 9.5597% | 1,195 |
| Net charge-offs to loans | -0.0272% | 4,191 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 62.7559% | 2,941 |
| Assets per employee ($millions) | 5.2364% | 3,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3883% | 1,428 |
| Loan loss allowance to noncurrent loans | 191.3210% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 0.3711% | 1,639 |
| Noncurrent loans to loans | 0.7256% | 1,223 |
| Net loans and leases to total assets | 50.4300% | 3,586 |
| Net loans and leases to deposits | 55.9290% | 3,704 |
| Net loans and leases to core deposits | 59.3944% | 3,787 |
| Total domestic deposits to total assets | 90.1700% | 743 |
| Equity capital to assets | 8.3679% | 3,100 |
| Core capital (leverage) ratio | 9.9435% | 2,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: |
| Average total assets | $352,601,500 | 2,200 |
| Average earning assets | $328,506,000 | 2,200 |
| Average equity | $29,415,000 | 2,382 |
| Average total loans | $176,668,000 | 2,525 |
| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0877% | 3,828 |
| Cost of funding earning assets | 0.9414% | 3,433 |
| Net interest margin | 3.1463% | 2,984 |
| Noninterest income to average assets | 0.5800% | 1,611 |
| Noninterest expense to average assets | 2.4558% | 2,429 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.0114% | 2,179 |
| Return on assets (ROA) | 1.0114% | 2,165 |
| Pretax return on assets | 1.0114% | 2,650 |
| Return on Equity (ROE) | 13.0900% | 1,706 |
| Retained earnings to average equity (ytd only) | 5.9752% | 2,252 |
| Net charge-offs to loans | 0.0534% | 1,333 |
| Credit loss provision to net charge-offs | 166.6667% | 1,370 |
| Earnings coverage of net charge-offs (x) | 41.0222% | 1,433 |
| Efficiency ratio | 69.9642% | 1,884 |
| Assets per employee ($millions) | 5.3691% | 3,343 |
| Cash dividends to net income (ytd only)* | 54.3478% | 1,434 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4002% | 1,396 |
| Loan loss allowance to noncurrent loans | 502.0619% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.1369% | 2,608 |
| Noncurrent loans to loans | 0.2789% | 2,179 |
| Net loans and leases to total assets | 48.3900% | 3,705 |
| Net loans and leases to deposits | 54.2145% | 3,784 |
| Net loans and leases to core deposits | 57.0040% | 3,875 |
| Total domestic deposits to total assets | 89.2500% | 988 |
| Equity capital to assets | 8.3169% | 3,183 |
| Core capital (leverage) ratio | 10.0403% | 2,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $350,194,200 | 2,197 |
| Average earning assets | $326,416,000 | 2,189 |
| Average equity | $27,061,800 | 2,407 |
| Average total loans | $168,567,600 | 2,532 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0646% | 3,719 |
| Cost of funding earning assets | 0.8637% | 3,365 |
| Net interest margin | 3.2010% | 2,913 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 2.3905% | 2,541 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.0780% | 2,121 |
| Return on assets (ROA) | 1.0780% | 2,112 |
| Pretax return on assets | 1.0780% | 2,633 |
| Return on Equity (ROE) | 14.2300% | 1,597 |
| Retained earnings to average equity (ytd only) | 11.5042% | 1,067 |
| Net charge-offs to loans | 0.0757% | 949 |
| Credit loss provision to net charge-offs | 94.7368% | 1,666 |
| Earnings coverage of net charge-offs (x) | 30.6632% | 1,584 |
| Efficiency ratio | 68.2438% | 1,989 |
| Assets per employee ($millions) | 5.2282% | 3,406 |
| Cash dividends to net income (ytd only)* | 19.1286% | 2,495 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4081% | 1,419 |
| Loan loss allowance to noncurrent loans | 426.6667% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.1608% | 2,510 |
| Noncurrent loans to loans | 0.3300% | 2,051 |
| Net loans and leases to total assets | 48.0500% | 3,736 |
| Net loans and leases to deposits | 53.0047% | 3,841 |
| Net loans and leases to core deposits | 55.5734% | 3,872 |
| Total domestic deposits to total assets | 90.6500% | 763 |
| Equity capital to assets | 7.4213% | 3,401 |
| Core capital (leverage) ratio | 10.1597% | 2,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $349,152,250 | 2,205 |
| Average earning assets | $325,269,250 | 2,199 |
| Average equity | $26,459,250 | 2,422 |
| Average total loans | $167,236,750 | 2,550 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9047% | 3,861 |
| Cost of funding earning assets | 0.7940% | 3,220 |
| Net interest margin | 3.1106% | 3,204 |
| Noninterest income to average assets | 0.5400% | 1,717 |
| Noninterest expense to average assets | 2.3856% | 2,539 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.0248% | 2,341 |
| Return on assets (ROA) | 1.0248% | 2,333 |
| Pretax return on assets | 1.0248% | 2,845 |
| Return on Equity (ROE) | 13.4300% | 1,805 |
| Retained earnings to average equity (ytd only) | 11.6367% | 1,052 |
| Net charge-offs to loans | 0.0276% | 1,333 |
| Credit loss provision to net charge-offs | 260.8696% | 936 |
| Earnings coverage of net charge-offs (x) | 80.6957% | 1,048 |
| Efficiency ratio | 69.2563% | 1,838 |
| Assets per employee ($millions) | 5.2766% | 3,342 |
| Cash dividends to net income (ytd only)* | 13.3630% | 2,637 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4426% | 1,378 |
| Loan loss allowance to noncurrent loans | 144.6311% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 0.4787% | 1,135 |
| Noncurrent loans to loans | 0.9974% | 759 |
| Net loans and leases to total assets | 47.3000% | 3,724 |
| Net loans and leases to deposits | 52.2702% | 3,828 |
| Net loans and leases to core deposits | 54.6157% | 3,865 |
| Total domestic deposits to total assets | 90.4900% | 784 |
| Equity capital to assets | 7.8189% | 3,340 |
| Core capital (leverage) ratio | 10.0605% | 2,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $350,515,667 | 2,205 |
| Average earning assets | $326,942,000 | 2,200 |
| Average equity | $26,743,000 | 2,425 |
| Average total loans | $166,927,333 | 2,544 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7711% | 3,906 |
| Cost of funding earning assets | 0.6842% | 3,104 |
| Net interest margin | 3.0869% | 3,380 |
| Noninterest income to average assets | 0.5700% | 1,541 |
| Noninterest expense to average assets | 2.2887% | 2,846 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.1443% | 2,086 |
| Return on assets (ROA) | 1.1443% | 2,054 |
| Pretax return on assets | 1.1443% | 2,588 |
| Return on Equity (ROE) | 15.1900% | 1,520 |
| Retained earnings to average equity (ytd only) | 15.1852% | 780 |
| Net charge-offs to loans | -0.0072% | 3,747 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.3370% | 2,172 |
| Assets per employee ($millions) | 5.3101% | 3,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4412% | 1,459 |
| Loan loss allowance to noncurrent loans | 108.3824% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 0.6297% | 799 |
| Noncurrent loans to loans | 1.3297% | 501 |
| Net loans and leases to total assets | 46.6800% | 3,737 |
| Net loans and leases to deposits | 52.2384% | 3,779 |
| Net loans and leases to core deposits | 54.6451% | 3,808 |
| Total domestic deposits to total assets | 89.3500% | 1,396 |
| Equity capital to assets | 7.9144% | 3,304 |
| Core capital (leverage) ratio | 9.7287% | 2,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $351,644,500 | 2,227 |
| Average earning assets | $327,967,500 | 2,223 |
| Average equity | $26,499,500 | 2,461 |
| Average total loans | $166,827,000 | 2,572 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2889% | 3,611 |
| Cost of funding earning assets | 0.4056% | 2,052 |
| Net interest margin | 2.8833% | 3,718 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 2.2998% | 2,738 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8674% | 3,090 |
| Return on assets (ROA) | 0.8128% | 3,214 |
| Pretax return on assets | 0.8128% | 3,594 |
| Return on Equity (ROE) | 10.5700% | 2,622 |
| Retained earnings to average equity (ytd only) | 4.4961% | 3,237 |
| Net charge-offs to loans | 0.0566% | 1,086 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 33.6813% | 1,617 |
| Efficiency ratio | 72.6119% | 1,372 |
| Assets per employee ($millions) | 5.2660% | 3,455 |
| Cash dividends to net income (ytd only)* | 57.4513% | 1,059 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4993% | 1,206 |
| Loan loss allowance to noncurrent loans | 108.3154% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 0.6578% | 755 |
| Noncurrent loans to loans | 1.3842% | 490 |
| Net loans and leases to total assets | 46.8100% | 3,745 |
| Net loans and leases to deposits | 51.7260% | 3,822 |
| Net loans and leases to core deposits | 54.2226% | 3,797 |
| Total domestic deposits to total assets | 90.5000% | 1,148 |
| Equity capital to assets | 7.1599% | 3,575 |
| Core capital (leverage) ratio | 9.5146% | 3,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $353,341,600 | 2,212 |
| Average earning assets | $327,161,600 | 2,210 |
| Average equity | $27,179,000 | 2,469 |
| Average total loans | $160,917,800 | 2,532 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1650% | 3,524 |
| Cost of funding earning assets | 0.3872% | 1,382 |
| Net interest margin | 2.7778% | 3,782 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 2.1998% | 2,933 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8868% | 2,935 |
| Return on assets (ROA) | 0.8140% | 3,160 |
| Pretax return on assets | 0.8140% | 3,549 |
| Return on Equity (ROE) | 10.4000% | 2,610 |
| Retained earnings to average equity (ytd only) | 7.1249% | 2,323 |
| Net charge-offs to loans | -0.0603% | 4,356 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.2697% | 1,611 |
| Assets per employee ($millions) | 5.2393% | 3,468 |
| Cash dividends to net income (ytd only)* | 31.5107% | 1,961 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6266% | 1,020 |
| Loan loss allowance to noncurrent loans | 62.4067% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 1.2215% | 331 |
| Noncurrent loans to loans | 2.6065% | 198 |
| Net loans and leases to total assets | 46.1000% | 3,750 |
| Net loans and leases to deposits | 49.9736% | 3,856 |
| Net loans and leases to core deposits | 52.2375% | 3,845 |
| Total domestic deposits to total assets | 92.2600% | 793 |
| Equity capital to assets | 6.5222% | 3,728 |
| Core capital (leverage) ratio | 9.5120% | 3,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $353,470,750 | 2,225 |
| Average earning assets | $326,774,250 | 2,218 |
| Average equity | $27,658,250 | 2,481 |
| Average total loans | $159,228,250 | 2,554 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0447% | 3,441 |
| Cost of funding earning assets | 0.3912% | 976 |
| Net interest margin | 2.6536% | 3,806 |
| Noninterest income to average assets | 0.5273% | 2,054 |
| Noninterest expense to average assets | 2.2186% | 2,790 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7672% | 3,082 |
| Return on assets (ROA) | 0.7672% | 3,045 |
| Pretax return on assets | 0.7672% | 3,414 |
| Return on Equity (ROE) | 9.2936% | 2,600 |
| Retained earnings to average equity (ytd only) | 7.6523% | 1,749 |
| Net charge-offs to loans | -0.0940% | 4,425 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3052% | 1,477 |
| Assets per employee ($millions) | 5.2349% | 3,487 |
| Cash dividends to net income (ytd only)* | 17.6600% | 2,560 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7012% | 955 |
| Loan loss allowance to noncurrent loans | 61.5349% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 1.2408% | 336 |
| Noncurrent loans to loans | 2.7646% | 189 |
| Net loans and leases to total assets | 44.1196% | 3,825 |
| Net loans and leases to deposits | 48.4394% | 3,901 |
| Net loans and leases to core deposits | 50.6557% | 3,902 |
| Total domestic deposits to total assets | 91.0822% | 1,189 |
| Equity capital to assets | 7.6719% | 3,361 |
| Core capital (leverage) ratio | 9.3798% | 3,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $354,284,333 | 2,231 |
| Average earning assets | $328,238,000 | 2,239 |
| Average equity | $29,246,000 | 2,451 |
| Average total loans | $157,467,000 | 2,574 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9497% | 3,400 |
| Cost of funding earning assets | 0.3938% | 903 |
| Net interest margin | 2.5559% | 3,773 |
| Noninterest income to average assets | 0.5628% | 1,858 |
| Noninterest expense to average assets | 2.1513% | 2,980 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7886% | 2,702 |
| Return on assets (ROA) | 0.7886% | 2,699 |
| Pretax return on assets | 0.7886% | 3,143 |
| Return on Equity (ROE) | 9.2323% | 2,236 |
| Retained earnings to average equity (ytd only) | 6.0759% | 2,228 |
| Net charge-offs to loans | -0.2032% | 4,604 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1754% | 1,836 |
| Assets per employee ($millions) | 5.4323% | 3,364 |
| Cash dividends to net income (ytd only)* | 34.1880% | 1,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7323% | 996 |
| Loan loss allowance to noncurrent loans | 110.0000% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 0.6806% | 845 |
| Noncurrent loans to loans | 1.5749% | 509 |
| Net loans and leases to total assets | 42.4655% | 3,851 |
| Net loans and leases to deposits | 46.6935% | 3,944 |
| Net loans and leases to core deposits | 48.8048% | 3,939 |
| Total domestic deposits to total assets | 90.9452% | 1,063 |
| Equity capital to assets | 7.8206% | 3,709 |
| Core capital (leverage) ratio | 9.1262% | 3,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $356,059,000 | 2,230 |
| Average earning assets | $331,149,500 | 2,231 |
| Average equity | $30,415,000 | 2,460 |
| Average total loans | $157,490,000 | 2,571 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2603% | 3,324 |
| Cost of funding earning assets | 0.5005% | 929 |
| Net interest margin | 2.7597% | 3,755 |
| Noninterest income to average assets | 0.6279% | 2,032 |
| Noninterest expense to average assets | 2.3536% | 2,647 |
| Loan and lease loss provision to assets | 0.0532% | 1,991 |
| Net operating income to assets | 0.7633% | 3,443 |
| Return on assets (ROA) | 0.9517% | 2,935 |
| Pretax return on assets | 0.9517% | 3,374 |
| Return on Equity (ROE) | 9.5899% | 2,679 |
| Retained earnings to average equity (ytd only) | 4.9678% | 2,794 |
| Net charge-offs to loans | 0.1583% | 608 |
| Credit loss provision to net charge-offs | 71.7131% | 2,004 |
| Earnings coverage of net charge-offs (x) | 11.0000% | 2,179 |
| Efficiency ratio | 74.2420% | 1,280 |
| Assets per employee ($millions) | 5.3574% | 3,409 |
| Cash dividends to net income (ytd only)* | 48.1976% | 1,617 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6270% | 1,203 |
| Loan loss allowance to noncurrent loans | 235.6561% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 0.3125% | 1,986 |
| Noncurrent loans to loans | 0.6904% | 1,455 |
| Net loans and leases to total assets | 44.5266% | 3,797 |
| Net loans and leases to deposits | 49.7634% | 3,904 |
| Net loans and leases to core deposits | 52.0747% | 3,889 |
| Total domestic deposits to total assets | 89.4765% | 1,250 |
| Equity capital to assets | 9.2738% | 3,345 |
| Core capital (leverage) ratio | 9.2657% | 3,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $338,118,200 | 2,256 |
| Average earning assets | $311,477,600 | 2,276 |
| Average equity | $33,556,200 | 2,353 |
| Average total loans | $158,581,200 | 2,559 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3140% | 3,346 |
| Cost of funding earning assets | 0.5264% | 926 |
| Net interest margin | 2.7876% | 3,809 |
| Noninterest income to average assets | 0.6893% | 1,861 |
| Noninterest expense to average assets | 2.3176% | 2,700 |
| Loan and lease loss provision to assets | 0.0539% | 1,907 |
| Net operating income to assets | 0.8804% | 3,303 |
| Return on assets (ROA) | 1.1345% | 2,485 |
| Pretax return on assets | 1.1345% | 3,123 |
| Return on Equity (ROE) | 11.2361% | 2,296 |
| Retained earnings to average equity (ytd only) | 8.3915% | 1,918 |
| Net charge-offs to loans | 0.2073% | 399 |
| Credit loss provision to net charge-offs | 54.8780% | 1,831 |
| Earnings coverage of net charge-offs (x) | 9.5203% | 2,073 |
| Efficiency ratio | 71.2709% | 1,464 |
| Assets per employee ($millions) | 5.2214% | 3,479 |
| Cash dividends to net income (ytd only)* | 25.3165% | 2,313 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6797% | 1,145 |
| Loan loss allowance to noncurrent loans | 226.5018% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.3335% | 2,116 |
| Noncurrent loans to loans | 0.7416% | 1,510 |
| Net loans and leases to total assets | 44.2217% | 3,940 |
| Net loans and leases to deposits | 49.9008% | 4,011 |
| Net loans and leases to core deposits | 52.2779% | 4,021 |
| Total domestic deposits to total assets | 88.6193% | 1,505 |
| Equity capital to assets | 10.0404% | 2,866 |
| Core capital (leverage) ratio | 9.5273% | 2,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $334,250,500 | 2,291 |
| Average earning assets | $307,258,000 | 2,323 |
| Average equity | $33,747,500 | 2,376 |
| Average total loans | $158,215,250 | 2,598 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3140% | 3,387 |
| Cost of funding earning assets | 0.5516% | 932 |
| Net interest margin | 2.7625% | 3,869 |
| Noninterest income to average assets | 0.7374% | 1,696 |
| Noninterest expense to average assets | 2.2921% | 2,792 |
| Loan and lease loss provision to assets | 0.0541% | 1,951 |
| Net operating income to assets | 0.9304% | 3,131 |
| Return on assets (ROA) | 1.1890% | 2,296 |
| Pretax return on assets | 1.1890% | 2,943 |
| Return on Equity (ROE) | 11.7546% | 2,148 |
| Retained earnings to average equity (ytd only) | 8.9006% | 1,738 |
| Net charge-offs to loans | 0.3049% | 283 |
| Credit loss provision to net charge-offs | 36.8852% | 1,675 |
| Earnings coverage of net charge-offs (x) | 6.7090% | 1,946 |
| Efficiency ratio | 69.9523% | 1,643 |
| Assets per employee ($millions) | 5.0892% | 3,573 |
| Cash dividends to net income (ytd only)* | 24.2792% | 2,339 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5825% | 1,319 |
| Loan loss allowance to noncurrent loans | 260.7032% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.2879% | 2,484 |
| Noncurrent loans to loans | 0.6070% | 1,891 |
| Net loans and leases to total assets | 46.6770% | 3,855 |
| Net loans and leases to deposits | 52.7087% | 3,952 |
| Net loans and leases to core deposits | 55.3711% | 3,937 |
| Total domestic deposits to total assets | 88.5565% | 1,537 |
| Equity capital to assets | 10.0844% | 2,780 |
| Core capital (leverage) ratio | 9.4468% | 2,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $332,537,333 | 2,291 |
| Average earning assets | $305,670,000 | 2,318 |
| Average equity | $33,638,000 | 2,369 |
| Average total loans | $160,071,000 | 2,594 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1374% | 3,810 |
| Cost of funding earning assets | 0.5658% | 1,022 |
| Net interest margin | 2.5716% | 4,201 |
| Noninterest income to average assets | 0.8946% | 1,341 |
| Noninterest expense to average assets | 2.2523% | 2,935 |
| Loan and lease loss provision to assets | 0.0544% | 2,021 |
| Net operating income to assets | 0.9563% | 2,949 |
| Return on assets (ROA) | 1.4084% | 1,622 |
| Pretax return on assets | 1.4084% | 2,258 |
| Return on Equity (ROE) | 13.9017% | 1,451 |
| Retained earnings to average equity (ytd only) | 11.0379% | 1,392 |
| Net charge-offs to loans | -0.0199% | 3,998 |
| Credit loss provision to net charge-offs | -562.5000% | 3,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0256% | 1,809 |
| Assets per employee ($millions) | 5.3120% | 3,324 |
| Cash dividends to net income (ytd only)* | 20.6009% | 1,991 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7295% | 978 |
| Loan loss allowance to noncurrent loans | 64.4765% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 1.2643% | 568 |
| Noncurrent loans to loans | 2.6824% | 323 |
| Net loans and leases to total assets | 46.3174% | 3,939 |
| Net loans and leases to deposits | 52.2694% | 4,031 |
| Net loans and leases to core deposits | 54.9186% | 4,055 |
| Total domestic deposits to total assets | 88.6128% | 1,551 |
| Equity capital to assets | 9.9918% | 2,717 |
| Core capital (leverage) ratio | 9.4168% | 3,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $330,863,500 | 2,283 |
| Average earning assets | $304,711,500 | 2,302 |
| Average equity | $33,521,000 | 2,374 |
| Average total loans | $160,455,500 | 2,598 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7875% | 3,336 |
| Cost of funding earning assets | 0.7821% | 1,290 |
| Net interest margin | 3.0054% | 3,870 |
| Noninterest income to average assets | 0.8612% | 1,368 |
| Noninterest expense to average assets | 2.6824% | 2,291 |
| Loan and lease loss provision to assets | 0.1590% | 2,384 |
| Net operating income to assets | 0.7865% | 3,149 |
| Return on assets (ROA) | 0.9129% | 2,775 |
| Pretax return on assets | 0.9129% | 3,332 |
| Return on Equity (ROE) | 8.4194% | 2,643 |
| Retained earnings to average equity (ytd only) | 3.8408% | 2,900 |
| Net charge-offs to loans | 0.3448% | 505 |
| Credit loss provision to net charge-offs | 88.9503% | 2,936 |
| Earnings coverage of net charge-offs (x) | 5.2891% | 2,876 |
| Efficiency ratio | 73.9383% | 1,455 |
| Assets per employee ($millions) | 5.2753% | 3,074 |
| Cash dividends to net income (ytd only)* | 54.3815% | 1,615 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6393% | 1,197 |
| Loan loss allowance to noncurrent loans | 82.7661% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 0.9882% | 968 |
| Noncurrent loans to loans | 1.9806% | 587 |
| Net loans and leases to total assets | 49.0731% | 3,902 |
| Net loans and leases to deposits | 55.6095% | 4,026 |
| Net loans and leases to core deposits | 58.1646% | 4,042 |
| Total domestic deposits to total assets | 88.2460% | 1,352 |
| Equity capital to assets | 10.2742% | 2,857 |
| Core capital (leverage) ratio | 9.4878% | 3,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $303,755,400 | 2,279 |
| Average earning assets | $279,630,000 | 2,292 |
| Average equity | $32,936,000 | 2,339 |
| Average total loans | $157,482,200 | 2,585 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9534% | 3,101 |
| Cost of funding earning assets | 0.8326% | 1,347 |
| Net interest margin | 3.1208% | 3,689 |
| Noninterest income to average assets | 0.8928% | 1,246 |
| Noninterest expense to average assets | 2.6100% | 2,508 |
| Loan and lease loss provision to assets | 0.1960% | 2,018 |
| Net operating income to assets | 0.9586% | 2,495 |
| Return on assets (ROA) | 1.1305% | 2,002 |
| Pretax return on assets | 1.1305% | 2,643 |
| Return on Equity (ROE) | 10.2777% | 1,917 |
| Retained earnings to average equity (ytd only) | 7.3482% | 1,563 |
| Net charge-offs to loans | 0.4315% | 366 |
| Credit loss provision to net charge-offs | 86.7327% | 2,720 |
| Earnings coverage of net charge-offs (x) | 5.1089% | 2,761 |
| Efficiency ratio | 69.3295% | 1,988 |
| Assets per employee ($millions) | 5.0059% | 3,248 |
| Cash dividends to net income (ytd only)* | 28.5036% | 2,435 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6635% | 955 |
| Loan loss allowance to noncurrent loans | 80.7995% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 1.0639% | 1,015 |
| Noncurrent loans to loans | 2.0588% | 587 |
| Net loans and leases to total assets | 50.8171% | 4,048 |
| Net loans and leases to deposits | 58.1547% | 4,155 |
| Net loans and leases to core deposits | 60.5669% | 4,173 |
| Total domestic deposits to total assets | 87.3826% | 1,506 |
| Equity capital to assets | 11.0084% | 2,392 |
| Core capital (leverage) ratio | 10.0247% | 2,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $297,926,500 | 2,290 |
| Average earning assets | $274,154,250 | 2,306 |
| Average equity | $32,769,000 | 2,338 |
| Average total loans | $156,058,000 | 2,608 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1066% | 3,036 |
| Cost of funding earning assets | 0.8798% | 1,461 |
| Net interest margin | 3.2268% | 3,588 |
| Noninterest income to average assets | 0.8258% | 1,359 |
| Noninterest expense to average assets | 2.4440% | 3,128 |
| Loan and lease loss provision to assets | 0.2798% | 1,536 |
| Net operating income to assets | 1.0784% | 2,040 |
| Return on assets (ROA) | 1.3364% | 1,358 |
| Pretax return on assets | 1.3364% | 1,918 |
| Return on Equity (ROE) | 12.1535% | 1,296 |
| Retained earnings to average equity (ytd only) | 9.1817% | 961 |
| Net charge-offs to loans | 0.5614% | 281 |
| Credit loss provision to net charge-offs | 94.7005% | 2,442 |
| Earnings coverage of net charge-offs (x) | 4.5968% | 2,585 |
| Efficiency ratio | 64.2793% | 2,788 |
| Assets per employee ($millions) | 4.9447% | 3,245 |
| Cash dividends to net income (ytd only)* | 24.4524% | 2,568 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6777% | 856 |
| Loan loss allowance to noncurrent loans | 88.6817% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 0.9972% | 1,207 |
| Noncurrent loans to loans | 1.8918% | 728 |
| Net loans and leases to total assets | 51.8262% | 4,039 |
| Net loans and leases to deposits | 59.3150% | 4,149 |
| Net loans and leases to core deposits | 61.7198% | 4,185 |
| Total domestic deposits to total assets | 87.3745% | 1,461 |
| Equity capital to assets | 10.9991% | 2,340 |
| Core capital (leverage) ratio | 10.0771% | 2,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $293,780,667 | 2,285 |
| Average earning assets | $270,978,000 | 2,301 |
| Average equity | $32,303,333 | 2,348 |
| Average total loans | $154,615,333 | 2,616 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9965% | 3,796 |
| Cost of funding earning assets | 0.9565% | 1,622 |
| Net interest margin | 3.0400% | 4,214 |
| Noninterest income to average assets | 0.7989% | 1,319 |
| Noninterest expense to average assets | 2.5958% | 2,993 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0077% | 2,150 |
| Return on assets (ROA) | 1.3334% | 1,241 |
| Pretax return on assets | 1.3334% | 1,771 |
| Return on Equity (ROE) | 12.1285% | 1,070 |
| Retained earnings to average equity (ytd only) | 12.1285% | 411 |
| Net charge-offs to loans | -0.1667% | 4,920 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0355% | 2,071 |
| Assets per employee ($millions) | 4.6283% | 3,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8641% | 647 |
| Loan loss allowance to noncurrent loans | 81.0779% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 1.2026% | 1,032 |
| Noncurrent loans to loans | 2.2991% | 551 |
| Net loans and leases to total assets | 51.3337% | 4,160 |
| Net loans and leases to deposits | 59.0180% | 4,248 |
| Net loans and leases to core deposits | 61.4915% | 4,293 |
| Total domestic deposits to total assets | 86.9797% | 1,562 |
| Equity capital to assets | 11.2531% | 2,636 |
| Core capital (leverage) ratio | 10.4985% | 2,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $287,385,500 | 2,278 |
| Average earning assets | $265,132,000 | 2,289 |
| Average equity | $31,595,000 | 2,370 |
| Average total loans | $151,125,500 | 2,630 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2705% | 3,618 |
| Cost of funding earning assets | 0.9681% | 1,867 |
| Net interest margin | 3.3024% | 3,984 |
| Noninterest income to average assets | 0.7535% | 1,618 |
| Noninterest expense to average assets | 2.5556% | 3,300 |
| Loan and lease loss provision to assets | 0.0323% | 3,367 |
| Net operating income to assets | 1.2125% | 2,011 |
| Return on assets (ROA) | 1.1956% | 2,170 |
| Pretax return on assets | 1.1956% | 2,853 |
| Return on Equity (ROE) | 11.2434% | 1,795 |
| Retained earnings to average equity (ytd only) | 5.2654% | 2,284 |
| Net charge-offs to loans | -0.0071% | 4,392 |
| Credit loss provision to net charge-offs | -818.1818% | 4,500 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2463% | 2,572 |
| Assets per employee ($millions) | 4.6422% | 3,029 |
| Cash dividends to net income (ytd only)* | 53.1691% | 1,877 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7976% | 663 |
| Loan loss allowance to noncurrent loans | 82.4292% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 1.1528% | 1,035 |
| Noncurrent loans to loans | 2.1807% | 569 |
| Net loans and leases to total assets | 51.9128% | 4,232 |
| Net loans and leases to deposits | 59.3239% | 4,317 |
| Net loans and leases to core deposits | 61.8404% | 4,356 |
| Total domestic deposits to total assets | 87.5074% | 1,362 |
| Equity capital to assets | 10.7356% | 3,226 |
| Core capital (leverage) ratio | 10.2675% | 3,224 |
| Tier 1 risk-based capital ratio | 15.7105% | 2,498 |
| Total risk-based capital ratio | 16.9635% | 2,434 |
| Memoranda: |
| Average total assets | $278,444,000 | 2,277 |
| Average earning assets | $256,905,000 | 2,292 |
| Average equity | $29,608,400 | 2,418 |
| Average total loans | $154,885,200 | 2,568 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3069% | 3,637 |
| Cost of funding earning assets | 0.9693% | 1,892 |
| Net interest margin | 3.3376% | 4,016 |
| Noninterest income to average assets | 0.7533% | 1,582 |
| Noninterest expense to average assets | 2.5068% | 3,416 |
| Loan and lease loss provision to assets | 0.0435% | 3,039 |
| Net operating income to assets | 1.2826% | 1,912 |
| Return on assets (ROA) | 1.2599% | 2,068 |
| Pretax return on assets | 1.2599% | 2,782 |
| Return on Equity (ROE) | 11.8781% | 1,663 |
| Retained earnings to average equity (ytd only) | 8.7139% | 1,128 |
| Net charge-offs to loans | -0.0369% | 4,765 |
| Credit loss provision to net charge-offs | -209.3023% | 4,181 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4025% | 2,803 |
| Assets per employee ($millions) | 4.4850% | 3,235 |
| Cash dividends to net income (ytd only)* | 26.6385% | 2,756 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7963% | 686 |
| Loan loss allowance to noncurrent loans | 184.8363% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.5509% | 2,356 |
| Noncurrent loans to loans | 0.9718% | 1,644 |
| Net loans and leases to total assets | 54.4009% | 4,148 |
| Net loans and leases to deposits | 62.5728% | 4,259 |
| Net loans and leases to core deposits | 65.1042% | 4,319 |
| Total domestic deposits to total assets | 86.9402% | 1,549 |
| Equity capital to assets | 11.2067% | 2,916 |
| Core capital (leverage) ratio | 10.6764% | 2,950 |
| Tier 1 risk-based capital ratio | 15.9463% | 2,453 |
| Total risk-based capital ratio | 17.1995% | 2,391 |
| Memoranda: |
| Average total assets | $276,100,250 | 2,312 |
| Average earning assets | $254,747,500 | 2,320 |
| Average equity | $29,285,750 | 2,446 |
| Average total loans | $155,569,000 | 2,592 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2139% | 3,889 |
| Cost of funding earning assets | 0.9582% | 1,874 |
| Net interest margin | 3.2557% | 4,228 |
| Noninterest income to average assets | 0.7050% | 1,692 |
| Noninterest expense to average assets | 2.4157% | 3,702 |
| Loan and lease loss provision to assets | 0.0436% | 2,954 |
| Net operating income to assets | 1.2482% | 1,968 |
| Return on assets (ROA) | 1.2140% | 2,156 |
| Pretax return on assets | 1.2140% | 2,857 |
| Return on Equity (ROE) | 11.6677% | 1,709 |
| Retained earnings to average equity (ytd only) | 8.4367% | 1,232 |
| Net charge-offs to loans | 0.0154% | 2,590 |
| Credit loss provision to net charge-offs | 500.0000% | 590 |
| Earnings coverage of net charge-offs (x) | 148.2500% | 504 |
| Efficiency ratio | 65.1586% | 2,952 |
| Assets per employee ($millions) | 4.4729% | 3,185 |
| Cash dividends to net income (ytd only)* | 27.6914% | 2,727 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7076% | 801 |
| Loan loss allowance to noncurrent loans | 77.8972% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 1.2619% | 1,031 |
| Noncurrent loans to loans | 2.1921% | 617 |
| Net loans and leases to total assets | 56.5832% | 4,038 |
| Net loans and leases to deposits | 65.0112% | 4,157 |
| Net loans and leases to core deposits | 67.3998% | 4,241 |
| Total domestic deposits to total assets | 87.0362% | 1,584 |
| Equity capital to assets | 11.0825% | 2,963 |
| Core capital (leverage) ratio | 10.4658% | 3,131 |
| Tier 1 risk-based capital ratio | 15.3621% | 2,674 |
| Total risk-based capital ratio | 16.6147% | 2,606 |
| Memoranda: |
| Average total assets | $275,444,670 | 2,325 |
| Average earning assets | $254,016,330 | 2,333 |
| Average equity | $28,660,330 | 2,475 |
| Average total loans | $156,079,330 | 2,594 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1179% | 4,077 |
| Cost of funding earning assets | 0.9173% | 1,929 |
| Net interest margin | 3.2005% | 4,383 |
| Noninterest income to average assets | 0.6750% | 1,702 |
| Noninterest expense to average assets | 2.4441% | 3,644 |
| Loan and lease loss provision to assets | 0.0434% | 2,770 |
| Net operating income to assets | 1.1476% | 2,283 |
| Return on assets (ROA) | 1.0797% | 2,591 |
| Pretax return on assets | 1.0797% | 3,207 |
| Return on Equity (ROE) | 10.7206% | 2,075 |
| Retained earnings to average equity (ytd only) | 10.7206% | 879 |
| Net charge-offs to loans | -0.0231% | 4,548 |
| Credit loss provision to net charge-offs | -333.3333% | 3,738 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2366% | 2,752 |
| Assets per employee ($millions) | 4.6085% | 3,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7421% | 790 |
| Loan loss allowance to noncurrent loans | 87.0968% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 1.1099% | 1,246 |
| Noncurrent loans to loans | 2.0002% | 744 |
| Net loans and leases to total assets | 54.5232% | 4,174 |
| Net loans and leases to deposits | 62.1518% | 4,295 |
| Net loans and leases to core deposits | 64.4493% | 4,357 |
| Total domestic deposits to total assets | 87.7259% | 1,463 |
| Equity capital to assets | 10.4022% | 3,415 |
| Core capital (leverage) ratio | 10.3037% | 3,271 |
| Tier 1 risk-based capital ratio | 15.6127% | 2,607 |
| Total risk-based capital ratio | 16.8656% | 2,529 |
| Memoranda: |
| Average total assets | $276,745,000 | 2,328 |
| Average earning assets | $255,958,000 | 2,340 |
| Average equity | $27,871,500 | 2,526 |
| Average total loans | $155,586,000 | 2,633 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9562% | 4,151 |
| Cost of funding earning assets | 0.6900% | 2,149 |
| Net interest margin | 3.2662% | 4,346 |
| Noninterest income to average assets | 0.6432% | 2,072 |
| Noninterest expense to average assets | 2.4135% | 3,845 |
| Loan and lease loss provision to assets | 0.0427% | 3,333 |
| Net operating income to assets | 1.2148% | 2,106 |
| Return on assets (ROA) | 1.2030% | 2,150 |
| Pretax return on assets | 1.2012% | 2,877 |
| Return on Equity (ROE) | 12.8443% | 1,401 |
| Retained earnings to average equity (ytd only) | 6.8936% | 1,716 |
| Net charge-offs to loans | -0.0108% | 4,513 |
| Credit loss provision to net charge-offs | -705.8824% | 4,689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7770% | 2,898 |
| Assets per employee ($millions) | 4.7756% | 2,779 |
| Cash dividends to net income (ytd only)* | 46.3292% | 2,171 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6699% | 883 |
| Loan loss allowance to noncurrent loans | 116.0864% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 0.8192% | 1,704 |
| Noncurrent loans to loans | 1.4385% | 1,076 |
| Net loans and leases to total assets | 55.9979% | 4,134 |
| Net loans and leases to deposits | 63.3481% | 4,289 |
| Net loans and leases to core deposits | 66.5334% | 4,322 |
| Total domestic deposits to total assets | 88.3971% | 1,119 |
| Equity capital to assets | 9.7407% | 3,921 |
| Core capital (leverage) ratio | 9.8752% | 3,720 |
| Tier 1 risk-based capital ratio | 14.7412% | 2,949 |
| Total risk-based capital ratio | 15.9930% | 2,879 |
| Memoranda: |
| Average total assets | $280,793,200 | 2,266 |
| Average earning assets | $260,146,000 | 2,267 |
| Average equity | $26,299,600 | 2,553 |
| Average total loans | $157,546,000 | 2,552 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9036% | 4,207 |
| Cost of funding earning assets | 0.6559% | 2,119 |
| Net interest margin | 3.2477% | 4,404 |
| Noninterest income to average assets | 0.6346% | 2,142 |
| Noninterest expense to average assets | 2.3046% | 4,089 |
| Loan and lease loss provision to assets | 0.0426% | 3,137 |
| Net operating income to assets | 1.3009% | 1,854 |
| Return on assets (ROA) | 1.2976% | 1,873 |
| Pretax return on assets | 1.2952% | 2,646 |
| Return on Equity (ROE) | 13.9915% | 1,125 |
| Retained earnings to average equity (ytd only) | 11.5422% | 545 |
| Net charge-offs to loans | -0.0347% | 4,801 |
| Credit loss provision to net charge-offs | -219.5122% | 4,346 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2139% | 3,300 |
| Assets per employee ($millions) | 5.0382% | 2,424 |
| Cash dividends to net income (ytd only)* | 17.5054% | 3,107 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6113% | 1,054 |
| Loan loss allowance to noncurrent loans | 124.0793% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 0.7507% | 1,975 |
| Noncurrent loans to loans | 1.2986% | 1,287 |
| Net loans and leases to total assets | 56.8750% | 4,145 |
| Net loans and leases to deposits | 66.8831% | 4,137 |
| Net loans and leases to core deposits | 70.8594% | 4,136 |
| Total domestic deposits to total assets | 85.0364% | 2,593 |
| Equity capital to assets | 9.4596% | 4,117 |
| Core capital (leverage) ratio | 9.9185% | 3,720 |
| Tier 1 risk-based capital ratio | 14.4784% | 3,137 |
| Total risk-based capital ratio | 15.7296% | 3,055 |
| Memoranda: |
| Average total assets | $281,746,000 | 2,268 |
| Average earning assets | $261,220,750 | 2,260 |
| Average equity | $26,129,500 | 2,575 |
| Average total loans | $157,498,000 | 2,565 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7953% | 4,354 |
| Cost of funding earning assets | 0.6264% | 2,063 |
| Net interest margin | 3.1689% | 4,578 |
| Noninterest income to average assets | 0.6385% | 2,143 |
| Noninterest expense to average assets | 2.2797% | 4,191 |
| Loan and lease loss provision to assets | 0.0426% | 3,048 |
| Net operating income to assets | 1.2585% | 1,946 |
| Return on assets (ROA) | 1.2585% | 1,946 |
| Pretax return on assets | 1.2549% | 2,702 |
| Return on Equity (ROE) | 13.6607% | 1,165 |
| Retained earnings to average equity (ytd only) | 11.1938% | 632 |
| Net charge-offs to loans | -0.0386% | 4,826 |
| Credit loss provision to net charge-offs | -200.0000% | 4,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7284% | 3,356 |
| Assets per employee ($millions) | 5.0605% | 2,338 |
| Cash dividends to net income (ytd only)* | 18.0587% | 3,056 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6231% | 1,050 |
| Loan loss allowance to noncurrent loans | 64.6104% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 1.4129% | 968 |
| Noncurrent loans to loans | 2.5122% | 515 |
| Net loans and leases to total assets | 55.3295% | 4,214 |
| Net loans and leases to deposits | 63.7999% | 4,290 |
| Net loans and leases to core deposits | 67.4284% | 4,285 |
| Total domestic deposits to total assets | 86.7234% | 1,958 |
| Equity capital to assets | 9.2789% | 4,306 |
| Core capital (leverage) ratio | 9.7136% | 3,868 |
| Tier 1 risk-based capital ratio | 14.2657% | 3,226 |
| Total risk-based capital ratio | 15.5170% | 3,146 |
| Memoranda: |
| Average total assets | $281,615,330 | 2,271 |
| Average earning assets | $261,164,330 | 2,267 |
| Average equity | $25,943,000 | 2,595 |
| Average total loans | $155,632,670 | 2,599 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6968% | 4,473 |
| Cost of funding earning assets | 0.6254% | 1,877 |
| Net interest margin | 3.0714% | 4,763 |
| Noninterest income to average assets | 0.6554% | 2,014 |
| Noninterest expense to average assets | 2.3809% | 4,000 |
| Loan and lease loss provision to assets | 0.0427% | 2,901 |
| Net operating income to assets | 1.0729% | 2,554 |
| Return on assets (ROA) | 1.0729% | 2,564 |
| Pretax return on assets | 1.0729% | 3,269 |
| Return on Equity (ROE) | 11.6894% | 1,691 |
| Retained earnings to average equity (ytd only) | 11.6894% | 742 |
| Net charge-offs to loans | -0.2419% | 5,410 |
| Credit loss provision to net charge-offs | -32.2581% | 3,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0929% | 2,816 |
| Assets per employee ($millions) | 5.0052% | 2,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6921% | 961 |
| Loan loss allowance to noncurrent loans | 51.7684% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 1.8056% | 672 |
| Noncurrent loans to loans | 3.2686% | 337 |
| Net loans and leases to total assets | 54.3068% | 4,254 |
| Net loans and leases to deposits | 61.2877% | 4,380 |
| Net loans and leases to core deposits | 64.7430% | 4,382 |
| Total domestic deposits to total assets | 88.6096% | 1,302 |
| Equity capital to assets | 9.1755% | 4,388 |
| Core capital (leverage) ratio | 9.4447% | 4,133 |
| Tier 1 risk-based capital ratio | 14.2144% | 3,273 |
| Total risk-based capital ratio | 15.4662% | 3,192 |
| Memoranda: |
| Average total assets | $280,730,000 | 2,298 |
| Average earning assets | $259,682,000 | 2,296 |
| Average equity | $25,767,000 | 2,636 |
| Average total loans | $153,757,500 | 2,646 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5791% | 4,615 |
| Cost of funding earning assets | 0.6210% | 1,463 |
| Net interest margin | 2.9582% | 4,962 |
| Noninterest income to average assets | 0.6919% | 2,001 |
| Noninterest expense to average assets | 2.3109% | 4,297 |
| Loan and lease loss provision to assets | 0.1276% | 1,795 |
| Net operating income to assets | 0.9988% | 2,246 |
| Return on assets (ROA) | 0.9828% | 2,350 |
| Pretax return on assets | 0.9828% | 3,638 |
| Return on Equity (ROE) | 11.3353% | 1,381 |
| Retained earnings to average equity (ytd only) | 11.3353% | 220 |
| Net charge-offs to loans | 0.4649% | 513 |
| Credit loss provision to net charge-offs | 50.6329% | 3,326 |
| Earnings coverage of net charge-offs (x) | 4.4698% | 3,460 |
| Efficiency ratio | 67.2304% | 3,045 |
| Assets per employee ($millions) | 5.3051% | 2,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6355% | 1,060 |
| Loan loss allowance to noncurrent loans | 49.2117% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 1.8647% | 639 |
| Noncurrent loans to loans | 3.3233% | 312 |
| Net loans and leases to total assets | 53.4130% | 4,404 |
| Net loans and leases to deposits | 60.3000% | 4,546 |
| Net loans and leases to core deposits | 63.7734% | 4,544 |
| Total domestic deposits to total assets | 88.5788% | 1,205 |
| Equity capital to assets | 9.1816% | 4,549 |
| Core capital (leverage) ratio | 9.1611% | 4,447 |
| Tier 1 risk-based capital ratio | 13.8905% | 3,423 |
| Total risk-based capital ratio | 15.1416% | 3,330 |
| Memoranda: |
| Average total assets | $282,140,400 | 2,274 |
| Average earning assets | $261,852,600 | 2,268 |
| Average equity | $24,463,400 | 2,715 |
| Average total loans | $152,936,800 | 2,625 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5384% | 4,717 |
| Cost of funding earning assets | 0.6092% | 1,468 |
| Net interest margin | 2.9292% | 5,052 |
| Noninterest income to average assets | 0.7304% | 1,866 |
| Noninterest expense to average assets | 2.2423% | 4,436 |
| Loan and lease loss provision to assets | 0.1558% | 1,324 |
| Net operating income to assets | 1.0543% | 2,313 |
| Return on assets (ROA) | 1.0331% | 2,436 |
| Pretax return on assets | 1.0331% | 3,556 |
| Return on Equity (ROE) | 12.0921% | 1,318 |
| Retained earnings to average equity (ytd only) | 12.0921% | 290 |
| Net charge-offs to loans | 0.4165% | 504 |
| Credit loss provision to net charge-offs | 69.0377% | 2,708 |
| Earnings coverage of net charge-offs (x) | 5.3619% | 3,117 |
| Efficiency ratio | 64.9480% | 3,383 |
| Assets per employee ($millions) | 5.0973% | 2,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7330% | 975 |
| Loan loss allowance to noncurrent loans | 49.4324% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 1.9550% | 677 |
| Noncurrent loans to loans | 3.5058% | 314 |
| Net loans and leases to total assets | 54.6096% | 4,365 |
| Net loans and leases to deposits | 63.7143% | 4,398 |
| Net loans and leases to core deposits | 67.4870% | 4,380 |
| Total domestic deposits to total assets | 85.7101% | 2,426 |
| Equity capital to assets | 9.1464% | 4,779 |
| Core capital (leverage) ratio | 8.7752% | 4,995 |
| Tier 1 risk-based capital ratio | 12.9693% | 4,031 |
| Total risk-based capital ratio | 14.2211% | 3,937 |
| Memoranda: |
| Average total assets | $282,382,750 | 2,287 |
| Average earning assets | $262,408,000 | 2,279 |
| Average equity | $24,125,250 | 2,771 |
| Average total loans | $153,001,250 | 2,638 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4658% | 4,843 |
| Cost of funding earning assets | 0.6011% | 1,441 |
| Net interest margin | 2.8647% | 5,149 |
| Noninterest income to average assets | 0.7899% | 1,607 |
| Noninterest expense to average assets | 2.2207% | 4,529 |
| Loan and lease loss provision to assets | 0.1696% | 1,155 |
| Net operating income to assets | 1.0634% | 2,149 |
| Return on assets (ROA) | 1.0316% | 2,327 |
| Pretax return on assets | 1.0316% | 3,440 |
| Return on Equity (ROE) | 12.3626% | 1,195 |
| Retained earnings to average equity (ytd only) | 12.3626% | 286 |
| Net charge-offs to loans | 0.6089% | 327 |
| Credit loss provision to net charge-offs | 51.8359% | 2,544 |
| Earnings coverage of net charge-offs (x) | 3.7689% | 3,005 |
| Efficiency ratio | 64.3003% | 3,625 |
| Assets per employee ($millions) | 4.9121% | 2,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7160% | 1,025 |
| Loan loss allowance to noncurrent loans | 44.9563% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 2.0922% | 592 |
| Noncurrent loans to loans | 3.8171% | 267 |
| Net loans and leases to total assets | 53.6969% | 4,422 |
| Net loans and leases to deposits | 62.0114% | 4,503 |
| Net loans and leases to core deposits | 65.7492% | 4,487 |
| Total domestic deposits to total assets | 86.5920% | 2,132 |
| Equity capital to assets | 8.9650% | 4,939 |
| Core capital (leverage) ratio | 8.4773% | 5,233 |
| Tier 1 risk-based capital ratio | 12.7163% | 4,176 |
| Total risk-based capital ratio | 13.9684% | 4,081 |
| Memoranda: |
| Average total assets | $283,059,670 | 2,290 |
| Average earning assets | $263,199,330 | 2,281 |
| Average equity | $23,619,670 | 2,820 |
| Average total loans | $152,068,670 | 2,659 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3053% | 5,093 |
| Cost of funding earning assets | 0.5942% | 1,417 |
| Net interest margin | 2.7111% | 5,379 |
| Noninterest income to average assets | 0.8489% | 1,401 |
| Noninterest expense to average assets | 2.3388% | 4,292 |
| Loan and lease loss provision to assets | 0.1687% | 1,057 |
| Net operating income to assets | 0.8616% | 2,936 |
| Return on assets (ROA) | 0.7983% | 3,282 |
| Pretax return on assets | 0.7983% | 4,116 |
| Return on Equity (ROE) | 9.9305% | 1,990 |
| Retained earnings to average equity (ytd only) | 9.9305% | 822 |
| Net charge-offs to loans | 1.2373% | 140 |
| Credit loss provision to net charge-offs | 25.5864% | 2,143 |
| Earnings coverage of net charge-offs (x) | 1.5629% | 2,714 |
| Efficiency ratio | 69.4201% | 2,981 |
| Assets per employee ($millions) | 5.3398% | 2,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6369% | 1,292 |
| Loan loss allowance to noncurrent loans | 33.1169% | 4,993 |
| Noncurrent assets plus other real estate owned to assets | 2.6663% | 406 |
| Noncurrent loans to loans | 4.9428% | 168 |
| Net loans and leases to total assets | 53.0607% | 4,418 |
| Net loans and leases to deposits | 59.5133% | 4,596 |
| Net loans and leases to core deposits | 63.1591% | 4,587 |
| Total domestic deposits to total assets | 89.1576% | 1,074 |
| Equity capital to assets | 8.2686% | 5,373 |
| Core capital (leverage) ratio | 8.0601% | 5,532 |
| Tier 1 risk-based capital ratio | 12.1917% | 4,589 |
| Total risk-based capital ratio | 13.4427% | 4,487 |
| Memoranda: |
| Average total assets | $284,594,500 | 2,294 |
| Average earning assets | $264,543,000 | 2,287 |
| Average equity | $22,879,000 | 2,904 |
| Average total loans | $151,617,500 | 2,680 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5003% | 4,781 |
| Cost of funding earning assets | 0.6055% | 1,298 |
| Net interest margin | 2.8948% | 5,148 |
| Noninterest income to average assets | 0.7436% | 1,982 |
| Noninterest expense to average assets | 2.2832% | 4,591 |
| Loan and lease loss provision to assets | 0.2143% | 1,046 |
| Net operating income to assets | 0.5564% | 4,408 |
| Return on assets (ROA) | 0.5582% | 4,507 |
| Pretax return on assets | 0.9414% | 3,687 |
| Return on Equity (ROE) | 6.3261% | 3,827 |
| Retained earnings to average equity (ytd only) | 1.2668% | 4,779 |
| Net charge-offs to loans | 0.5172% | 473 |
| Credit loss provision to net charge-offs | 78.4314% | 2,994 |
| Earnings coverage of net charge-offs (x) | 4.2196% | 3,535 |
| Efficiency ratio | 66.4484% | 3,520 |
| Assets per employee ($millions) | 5.4185% | 1,937 |
| Cash dividends to net income (ytd only)* | 79.9744% | 904 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2273% | 2,954 |
| Loan loss allowance to noncurrent loans | 23.2834% | 5,195 |
| Noncurrent assets plus other real estate owned to assets | 2.7638% | 398 |
| Noncurrent loans to loans | 5.2713% | 142 |
| Net loans and leases to total assets | 51.7869% | 4,629 |
| Net loans and leases to deposits | 57.9931% | 4,788 |
| Net loans and leases to core deposits | 61.9157% | 4,758 |
| Total domestic deposits to total assets | 89.2983% | 956 |
| Equity capital to assets | 8.1333% | 5,500 |
| Core capital (leverage) ratio | 8.3094% | 5,431 |
| Tier 1 risk-based capital ratio | 12.3880% | 4,453 |
| Total risk-based capital ratio | 13.3704% | 4,521 |
| Memoranda: |
| Average total assets | $280,004,800 | 2,284 |
| Average earning assets | $260,431,600 | 2,279 |
| Average equity | $24,707,000 | 2,747 |
| Average total loans | $147,906,000 | 2,668 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4974% | 4,810 |
| Cost of funding earning assets | 0.6073% | 1,272 |
| Net interest margin | 2.8901% | 5,202 |
| Noninterest income to average assets | 0.7586% | 1,938 |
| Noninterest expense to average assets | 2.2860% | 4,570 |
| Loan and lease loss provision to assets | 0.2157% | 969 |
| Net operating income to assets | 0.4327% | 4,927 |
| Return on assets (ROA) | 0.4342% | 5,004 |
| Pretax return on assets | 0.9484% | 3,819 |
| Return on Equity (ROE) | 4.8233% | 4,589 |
| Retained earnings to average equity (ytd only) | 4.8233% | 2,943 |
| Net charge-offs to loans | 0.0081% | 3,641 |
| Credit loss provision to net charge-offs | 5,000.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 269.3267% | 302 |
| Efficiency ratio | 66.3053% | 3,542 |
| Assets per employee ($millions) | 5.6810% | 1,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5772% | 1,545 |
| Loan loss allowance to noncurrent loans | 47.6320% | 4,807 |
| Noncurrent assets plus other real estate owned to assets | 1.8508% | 880 |
| Noncurrent loans to loans | 3.3112% | 413 |
| Net loans and leases to total assets | 55.0122% | 4,403 |
| Net loans and leases to deposits | 62.4747% | 4,596 |
| Net loans and leases to core deposits | 67.1028% | 4,541 |
| Total domestic deposits to total assets | 88.0551% | 1,375 |
| Equity capital to assets | 9.2937% | 4,871 |
| Core capital (leverage) ratio | 8.6756% | 5,180 |
| Tier 1 risk-based capital ratio | 12.7074% | 4,336 |
| Total risk-based capital ratio | 13.9580% | 4,247 |
| Memoranda: |
| Average total assets | $278,211,250 | 2,303 |
| Average earning assets | $258,852,000 | 2,296 |
| Average equity | $25,044,500 | 2,729 |
| Average total loans | $147,240,250 | 2,683 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4526% | 4,981 |
| Cost of funding earning assets | 0.6000% | 1,313 |
| Net interest margin | 2.8526% | 5,344 |
| Noninterest income to average assets | 0.7082% | 2,107 |
| Noninterest expense to average assets | 2.2584% | 4,715 |
| Loan and lease loss provision to assets | 0.2157% | 974 |
| Net operating income to assets | 0.1186% | 5,646 |
| Return on assets (ROA) | 0.1186% | 5,693 |
| Pretax return on assets | 0.8901% | 3,990 |
| Return on Equity (ROE) | 1.3323% | 5,636 |
| Retained earnings to average equity (ytd only) | 1.3323% | 4,851 |
| Net charge-offs to loans | 0.0152% | 3,227 |
| Credit loss provision to net charge-offs | 2,727.2727% | 164 |
| Earnings coverage of net charge-offs (x) | 139.8182% | 428 |
| Efficiency ratio | 67.1297% | 3,513 |
| Assets per employee ($millions) | 5.1506% | 2,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5278% | 1,762 |
| Loan loss allowance to noncurrent loans | 49.1989% | 4,827 |
| Noncurrent assets plus other real estate owned to assets | 1.6830% | 1,071 |
| Noncurrent loans to loans | 3.1053% | 468 |
| Net loans and leases to total assets | 53.3711% | 4,564 |
| Net loans and leases to deposits | 60.3031% | 4,773 |
| Net loans and leases to core deposits | 65.1251% | 4,675 |
| Total domestic deposits to total assets | 88.5047% | 1,163 |
| Equity capital to assets | 9.2083% | 5,062 |
| Core capital (leverage) ratio | 8.3967% | 5,450 |
| Tier 1 risk-based capital ratio | 12.5124% | 4,513 |
| Total risk-based capital ratio | 13.7568% | 4,426 |
| Memoranda: |
| Average total assets | $278,158,000 | 2,315 |
| Average earning assets | $258,995,670 | 2,306 |
| Average equity | $24,769,000 | 2,766 |
| Average total loans | $144,456,330 | 2,712 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3586% | 5,209 |
| Cost of funding earning assets | 0.5860% | 1,439 |
| Net interest margin | 2.7725% | 5,515 |
| Noninterest income to average assets | 0.6169% | 2,430 |
| Noninterest expense to average assets | 2.1756% | 4,964 |
| Loan and lease loss provision to assets | 0.2157% | 897 |
| Net operating income to assets | 0.5781% | 4,281 |
| Return on assets (ROA) | 0.5781% | 4,392 |
| Pretax return on assets | 0.8038% | 4,181 |
| Return on Equity (ROE) | 6.6042% | 3,670 |
| Retained earnings to average equity (ytd only) | 6.6042% | 2,078 |
| Net charge-offs to loans | 0.0028% | 3,020 |
| Credit loss provision to net charge-offs | 15,000.0000% | 17 |
| Earnings coverage of net charge-offs (x) | 709.0000% | 65 |
| Efficiency ratio | 68.0918% | 3,457 |
| Assets per employee ($millions) | 5.3564% | 1,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5043% | 1,964 |
| Loan loss allowance to noncurrent loans | 49.3492% | 4,846 |
| Noncurrent assets plus other real estate owned to assets | 1.5722% | 1,274 |
| Noncurrent loans to loans | 3.0483% | 523 |
| Net loans and leases to total assets | 50.7995% | 4,738 |
| Net loans and leases to deposits | 57.1807% | 4,907 |
| Net loans and leases to core deposits | 61.3100% | 4,855 |
| Total domestic deposits to total assets | 88.8404% | 1,186 |
| Equity capital to assets | 8.8862% | 5,273 |
| Core capital (leverage) ratio | 8.5103% | 5,384 |
| Tier 1 risk-based capital ratio | 12.7877% | 4,408 |
| Total risk-based capital ratio | 13.9689% | 4,357 |
| Memoranda: |
| Average total assets | $278,172,000 | 2,326 |
| Average earning assets | $258,681,000 | 2,319 |
| Average equity | $24,348,000 | 2,803 |
| Average total loans | $141,312,500 | 2,758 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3061% | 5,339 |
| Cost of funding earning assets | 0.5780% | 1,515 |
| Net interest margin | 2.7281% | 5,619 |
| Noninterest income to average assets | 0.6764% | 2,311 |
| Noninterest expense to average assets | 2.3122% | 4,748 |
| Loan and lease loss provision to assets | 0.3951% | 353 |
| Net operating income to assets | 0.4247% | 4,971 |
| Return on assets (ROA) | 0.4422% | 4,995 |
| Pretax return on assets | 0.5295% | 5,044 |
| Return on Equity (ROE) | 5.0395% | 4,486 |
| Retained earnings to average equity (ytd only) | 0.9457% | 5,141 |
| Net charge-offs to loans | 0.4061% | 703 |
| Credit loss provision to net charge-offs | 199.2754% | 1,407 |
| Earnings coverage of net charge-offs (x) | 4.5580% | 3,530 |
| Efficiency ratio | 71.8977% | 2,924 |
| Assets per employee ($millions) | 5.3425% | 1,959 |
| Cash dividends to net income (ytd only)* | 81.2348% | 849 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4485% | 2,213 |
| Loan loss allowance to noncurrent loans | 43.1696% | 5,035 |
| Noncurrent assets plus other real estate owned to assets | 1.6785% | 1,164 |
| Noncurrent loans to loans | 3.3554% | 432 |
| Net loans and leases to total assets | 49.2988% | 4,930 |
| Net loans and leases to deposits | 55.3084% | 5,087 |
| Net loans and leases to core deposits | 59.0930% | 5,039 |
| Total domestic deposits to total assets | 89.1344% | 1,050 |
| Equity capital to assets | 8.6191% | 5,451 |
| Core capital (leverage) ratio | 8.3778% | 5,547 |
| Tier 1 risk-based capital ratio | 12.9930% | 4,321 |
| Total risk-based capital ratio | 14.1306% | 4,296 |
| Memoranda: |
| Average total assets | $278,390,000 | 2,287 |
| Average earning assets | $259,158,600 | 2,270 |
| Average equity | $24,426,800 | 2,739 |
| Average total loans | $135,937,200 | 2,784 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3402% | 5,343 |
| Cost of funding earning assets | 0.5788% | 1,556 |
| Net interest margin | 2.7614% | 5,647 |
| Noninterest income to average assets | 0.6946% | 2,254 |
| Noninterest expense to average assets | 2.1723% | 5,123 |
| Loan and lease loss provision to assets | 0.1675% | 1,259 |
| Net operating income to assets | 0.7748% | 3,554 |
| Return on assets (ROA) | 0.7965% | 3,537 |
| Pretax return on assets | 0.9521% | 3,812 |
| Return on Equity (ROE) | 9.0381% | 2,556 |
| Retained earnings to average equity (ytd only) | 9.0381% | 888 |
| Net charge-offs to loans | 0.4508% | 562 |
| Credit loss provision to net charge-offs | 76.5864% | 2,666 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 3,264 |
| Efficiency ratio | 66.5103% | 3,801 |
| Assets per employee ($millions) | 5.2468% | 2,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9924% | 4,788 |
| Loan loss allowance to noncurrent loans | 32.3719% | 5,392 |
| Noncurrent assets plus other real estate owned to assets | 1.5197% | 1,477 |
| Noncurrent loans to loans | 3.0655% | 567 |
| Net loans and leases to total assets | 48.7223% | 5,031 |
| Net loans and leases to deposits | 57.2789% | 5,054 |
| Net loans and leases to core deposits | 60.0877% | 5,060 |
| Total domestic deposits to total assets | 85.0615% | 2,981 |
| Equity capital to assets | 9.1812% | 5,135 |
| Core capital (leverage) ratio | 8.8328% | 5,199 |
| Tier 1 risk-based capital ratio | 14.6929% | 3,443 |
| Total risk-based capital ratio | 15.5098% | 3,628 |
| Memoranda: |
| Average total assets | $278,534,500 | 2,298 |
| Average earning assets | $259,376,500 | 2,288 |
| Average equity | $24,547,250 | 2,750 |
| Average total loans | $135,178,750 | 2,815 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2996% | 5,436 |
| Cost of funding earning assets | 0.5886% | 1,495 |
| Net interest margin | 2.7110% | 5,751 |
| Noninterest income to average assets | 0.6567% | 2,438 |
| Noninterest expense to average assets | 2.1472% | 5,229 |
| Loan and lease loss provision to assets | 0.1435% | 1,515 |
| Net operating income to assets | 0.7647% | 3,564 |
| Return on assets (ROA) | 0.7980% | 3,491 |
| Pretax return on assets | 0.9301% | 3,848 |
| Return on Equity (ROE) | 9.1827% | 2,439 |
| Retained earnings to average equity (ytd only) | 9.1827% | 867 |
| Net charge-offs to loans | -0.0045% | 4,710 |
| Credit loss provision to net charge-offs | -6,666.6667% | 5,611 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4786% | 3,747 |
| Assets per employee ($millions) | 5.3787% | 1,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2198% | 3,674 |
| Loan loss allowance to noncurrent loans | 80.0768% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 0.7558% | 3,116 |
| Noncurrent loans to loans | 1.5232% | 1,746 |
| Net loans and leases to total assets | 48.2958% | 5,075 |
| Net loans and leases to deposits | 56.4964% | 5,091 |
| Net loans and leases to core deposits | 59.0361% | 5,130 |
| Total domestic deposits to total assets | 85.4848% | 2,929 |
| Equity capital to assets | 8.7006% | 5,520 |
| Core capital (leverage) ratio | 8.6113% | 5,427 |
| Tier 1 risk-based capital ratio | 14.1554% | 3,841 |
| Total risk-based capital ratio | 15.1444% | 3,919 |
| Memoranda: |
| Average total assets | $278,686,000 | 2,315 |
| Average earning assets | $259,606,000 | 2,300 |
| Average equity | $24,219,330 | 2,785 |
| Average total loans | $134,623,330 | 2,837 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2998% | 5,454 |
| Cost of funding earning assets | 0.6032% | 1,412 |
| Net interest margin | 2.6966% | 5,809 |
| Noninterest income to average assets | 0.7276% | 2,034 |
| Noninterest expense to average assets | 2.0706% | 5,445 |
| Loan and lease loss provision to assets | 0.1294% | 1,606 |
| Net operating income to assets | 0.9936% | 2,297 |
| Return on assets (ROA) | 0.9936% | 2,427 |
| Pretax return on assets | 1.0410% | 3,336 |
| Return on Equity (ROE) | 11.4397% | 1,505 |
| Retained earnings to average equity (ytd only) | 11.4397% | 655 |
| Net charge-offs to loans | -0.0449% | 5,468 |
| Credit loss provision to net charge-offs | -600.0000% | 4,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8864% | 4,504 |
| Assets per employee ($millions) | 5.4736% | 1,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1961% | 4,006 |
| Loan loss allowance to noncurrent loans | 83.3776% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 0.6745% | 3,466 |
| Noncurrent loans to loans | 1.4345% | 1,989 |
| Net loans and leases to total assets | 46.4595% | 5,165 |
| Net loans and leases to deposits | 52.2585% | 5,316 |
| Net loans and leases to core deposits | 55.2718% | 5,295 |
| Total domestic deposits to total assets | 88.9032% | 1,335 |
| Equity capital to assets | 8.8435% | 5,449 |
| Core capital (leverage) ratio | 8.4800% | 5,539 |
| Tier 1 risk-based capital ratio | 14.4097% | 3,771 |
| Total risk-based capital ratio | 15.3744% | 3,859 |
| Memoranda: |
| Average total assets | $278,182,500 | 2,325 |
| Average earning assets | $259,288,000 | 2,316 |
| Average equity | $24,161,500 | 2,812 |
| Average total loans | $133,561,000 | 2,855 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4023% | 5,527 |
| Cost of funding earning assets | 0.6800% | 1,208 |
| Net interest margin | 2.7223% | 5,911 |
| Noninterest income to average assets | 0.6196% | 2,742 |
| Noninterest expense to average assets | 2.2406% | 5,265 |
| Loan and lease loss provision to assets | 0.0798% | 2,892 |
| Net operating income to assets | 0.6853% | 3,968 |
| Return on assets (ROA) | 0.7139% | 3,928 |
| Pretax return on assets | 0.8697% | 4,001 |
| Return on Equity (ROE) | 8.1495% | 3,049 |
| Retained earnings to average equity (ytd only) | 3.0667% | 4,058 |
| Net charge-offs to loans | 0.2976% | 1,479 |
| Credit loss provision to net charge-offs | 54.8469% | 3,382 |
| Earnings coverage of net charge-offs (x) | 6.2883% | 3,231 |
| Efficiency ratio | 71.0136% | 3,371 |
| Assets per employee ($millions) | 5.7753% | 1,542 |
| Cash dividends to net income (ytd only)* | 62.3701% | 1,636 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0783% | 4,648 |
| Loan loss allowance to noncurrent loans | 84.2438% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 0.6273% | 3,702 |
| Noncurrent loans to loans | 1.2800% | 2,315 |
| Net loans and leases to total assets | 48.4806% | 5,114 |
| Net loans and leases to deposits | 54.3103% | 5,308 |
| Net loans and leases to core deposits | 57.1388% | 5,301 |
| Total domestic deposits to total assets | 89.2660% | 1,089 |
| Equity capital to assets | 8.5263% | 5,729 |
| Core capital (leverage) ratio | 8.3952% | 5,665 |
| Tier 1 risk-based capital ratio | 14.2088% | 3,961 |
| Total risk-based capital ratio | 15.1255% | 4,126 |
| Memoranda: |
| Average total assets | $269,522,200 | 2,359 |
| Average earning assets | $251,033,400 | 2,339 |
| Average equity | $23,608,800 | 2,786 |
| Average total loans | $131,709,000 | 2,834 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4149% | 5,566 |
| Cost of funding earning assets | 0.6935% | 1,177 |
| Net interest margin | 2.7214% | 5,978 |
| Noninterest income to average assets | 0.6368% | 2,641 |
| Noninterest expense to average assets | 2.1300% | 5,509 |
| Loan and lease loss provision to assets | 0.0772% | 2,795 |
| Net operating income to assets | 0.8536% | 3,155 |
| Return on assets (ROA) | 0.8505% | 3,266 |
| Pretax return on assets | 0.9601% | 3,756 |
| Return on Equity (ROE) | 9.6430% | 2,386 |
| Retained earnings to average equity (ytd only) | 9.6430% | 797 |
| Net charge-offs to loans | 0.4010% | 989 |
| Credit loss provision to net charge-offs | 39.4402% | 3,298 |
| Earnings coverage of net charge-offs (x) | 5.3155% | 3,293 |
| Efficiency ratio | 67.1747% | 4,014 |
| Assets per employee ($millions) | 5.7377% | 1,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0349% | 5,048 |
| Loan loss allowance to noncurrent loans | 70.4819% | 4,476 |
| Noncurrent assets plus other real estate owned to assets | 0.7550% | 3,547 |
| Noncurrent loans to loans | 1.4684% | 2,210 |
| Net loans and leases to total assets | 49.7859% | 5,035 |
| Net loans and leases to deposits | 57.1797% | 5,162 |
| Net loans and leases to core deposits | 60.9195% | 5,123 |
| Total domestic deposits to total assets | 87.0691% | 2,283 |
| Equity capital to assets | 9.1675% | 5,187 |
| Core capital (leverage) ratio | 8.8491% | 5,266 |
| Tier 1 risk-based capital ratio | 14.7324% | 3,744 |
| Total risk-based capital ratio | 15.6055% | 3,915 |
| Memoranda: |
| Average total assets | $267,599,750 | 2,389 |
| Average earning assets | $249,177,750 | 2,365 |
| Average equity | $23,602,000 | 2,798 |
| Average total loans | $130,671,500 | 2,865 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3692% | 5,680 |
| Cost of funding earning assets | 0.7036% | 1,178 |
| Net interest margin | 2.6656% | 6,091 |
| Noninterest income to average assets | 0.6512% | 2,536 |
| Noninterest expense to average assets | 2.1633% | 5,498 |
| Loan and lease loss provision to assets | 0.0712% | 2,851 |
| Net operating income to assets | 0.7688% | 3,467 |
| Return on assets (ROA) | 0.7643% | 3,599 |
| Pretax return on assets | 0.8954% | 3,902 |
| Return on Equity (ROE) | 8.7823% | 2,701 |
| Retained earnings to average equity (ytd only) | 8.7823% | 1,055 |
| Net charge-offs to loans | 0.6031% | 665 |
| Credit loss provision to net charge-offs | 24.4216% | 3,128 |
| Earnings coverage of net charge-offs (x) | 3.3342% | 3,338 |
| Efficiency ratio | 69.0010% | 3,836 |
| Assets per employee ($millions) | 5.2449% | 1,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0015% | 5,342 |
| Loan loss allowance to noncurrent loans | 64.1599% | 4,683 |
| Noncurrent assets plus other real estate owned to assets | 0.7854% | 3,611 |
| Noncurrent loans to loans | 1.5610% | 2,218 |
| Net loans and leases to total assets | 49.8131% | 4,980 |
| Net loans and leases to deposits | 57.7778% | 5,062 |
| Net loans and leases to core deposits | 61.2606% | 5,030 |
| Total domestic deposits to total assets | 86.2149% | 2,921 |
| Equity capital to assets | 8.9991% | 5,301 |
| Core capital (leverage) ratio | 8.6914% | 5,412 |
| Tier 1 risk-based capital ratio | 14.4238% | 3,977 |
| Total risk-based capital ratio | 15.2691% | 4,186 |
| Memoranda: |
| Average total assets | $266,909,330 | 2,395 |
| Average earning assets | $248,726,670 | 2,369 |
| Average equity | $23,228,670 | 2,826 |
| Average total loans | $129,008,000 | 2,884 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3666% | 5,715 |
| Cost of funding earning assets | 0.7072% | 1,205 |
| Net interest margin | 2.6595% | 6,160 |
| Noninterest income to average assets | 0.6886% | 2,232 |
| Noninterest expense to average assets | 2.0389% | 5,803 |
| Loan and lease loss provision to assets | 0.0675% | 2,776 |
| Net operating income to assets | 1.0862% | 1,869 |
| Return on assets (ROA) | 1.0937% | 1,904 |
| Pretax return on assets | 1.0667% | 3,054 |
| Return on Equity (ROE) | 12.7855% | 1,213 |
| Retained earnings to average equity (ytd only) | 12.7855% | 516 |
| Net charge-offs to loans | 0.0824% | 2,323 |
| Credit loss provision to net charge-offs | 173.0769% | 1,147 |
| Earnings coverage of net charge-offs (x) | 28.8846% | 1,074 |
| Efficiency ratio | 64.4076% | 4,798 |
| Assets per employee ($millions) | 5.3774% | 1,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2968% | 4,139 |
| Loan loss allowance to noncurrent loans | 171.7684% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.3738% | 5,035 |
| Noncurrent loans to loans | 0.7550% | 3,979 |
| Net loans and leases to total assets | 47.9785% | 5,136 |
| Net loans and leases to deposits | 53.9689% | 5,293 |
| Net loans and leases to core deposits | 57.5995% | 5,229 |
| Total domestic deposits to total assets | 88.9003% | 1,725 |
| Equity capital to assets | 8.8446% | 5,281 |
| Core capital (leverage) ratio | 8.6278% | 5,496 |
| Tier 1 risk-based capital ratio | 10.7923% | 6,245 |
| Total risk-based capital ratio | 11.5816% | 6,341 |
| Memoranda: |
| Average total assets | $266,618,000 | 2,406 |
| Average earning assets | $248,319,000 | 2,365 |
| Average equity | $22,807,000 | 2,861 |
| Average total loans | $126,215,000 | 2,941 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5538% | 5,526 |
| Cost of funding earning assets | 0.8364% | 1,013 |
| Net interest margin | 2.7174% | 6,115 |
| Noninterest income to average assets | 0.6832% | 2,635 |
| Noninterest expense to average assets | 2.1056% | 5,820 |
| Loan and lease loss provision to assets | 0.1178% | 2,845 |
| Net operating income to assets | 0.7926% | 3,327 |
| Return on assets (ROA) | 0.7926% | 3,428 |
| Pretax return on assets | 0.9857% | 3,412 |
| Return on Equity (ROE) | 8.2136% | 2,917 |
| Retained earnings to average equity (ytd only) | 3.8539% | 3,460 |
| Net charge-offs to loans | 0.0719% | 4,200 |
| Credit loss provision to net charge-offs | 337.3494% | 678 |
| Earnings coverage of net charge-offs (x) | 31.6024% | 1,130 |
| Efficiency ratio | 65.6135% | 4,635 |
| Assets per employee ($millions) | 5.5050% | 1,644 |
| Cash dividends to net income (ytd only)* | 53.0786% | 2,117 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3205% | 4,038 |
| Loan loss allowance to noncurrent loans | 194.3195% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.3199% | 5,299 |
| Noncurrent loans to loans | 0.6795% | 4,275 |
| Net loans and leases to total assets | 45.4903% | 5,533 |
| Net loans and leases to deposits | 50.7998% | 5,705 |
| Net loans and leases to core deposits | 55.4037% | 5,586 |
| Total domestic deposits to total assets | 89.5482% | 1,302 |
| Equity capital to assets | 8.2705% | 5,801 |
| Core capital (leverage) ratio | 8.7818% | 5,308 |
| Tier 1 risk-based capital ratio | 10.6256% | 6,324 |
| Total risk-based capital ratio | 11.4193% | 6,424 |
| Memoranda: |
| Average total assets | $237,703,600 | 2,644 |
| Average earning assets | $220,948,200 | 2,607 |
| Average equity | $22,937,600 | 2,830 |
| Average total loans | $115,453,600 | 3,138 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6333% | 5,345 |
| Cost of funding earning assets | 0.8729% | 936 |
| Net interest margin | 2.7604% | 6,076 |
| Noninterest income to average assets | 0.7215% | 2,503 |
| Noninterest expense to average assets | 1.9759% | 6,052 |
| Loan and lease loss provision to assets | 0.0784% | 3,493 |
| Net operating income to assets | 0.9938% | 2,399 |
| Return on assets (ROA) | 0.9938% | 2,490 |
| Pretax return on assets | 1.2318% | 2,577 |
| Return on Equity (ROE) | 9.8837% | 2,232 |
| Retained earnings to average equity (ytd only) | 9.8837% | 814 |
| Net charge-offs to loans | 0.0824% | 3,772 |
| Credit loss provision to net charge-offs | 192.8571% | 1,250 |
| Earnings coverage of net charge-offs (x) | 32.2432% | 1,179 |
| Efficiency ratio | 60.1307% | 5,411 |
| Assets per employee ($millions) | 5.5280% | 1,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2645% | 4,570 |
| Loan loss allowance to noncurrent loans | 160.4676% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.4277% | 5,144 |
| Noncurrent loans to loans | 0.7880% | 4,270 |
| Net loans and leases to total assets | 50.7826% | 5,033 |
| Net loans and leases to deposits | 60.5392% | 4,911 |
| Net loans and leases to core deposits | 67.5623% | 4,566 |
| Total domestic deposits to total assets | 83.8838% | 4,242 |
| Equity capital to assets | 10.1406% | 3,716 |
| Core capital (leverage) ratio | 10.2294% | 3,363 |
| Tier 1 risk-based capital ratio | 12.1848% | 5,659 |
| Total risk-based capital ratio | 12.9654% | 5,898 |
| Memoranda: |
| Average total assets | $229,693,750 | 2,737 |
| Average earning assets | $213,392,500 | 2,701 |
| Average equity | $23,094,750 | 2,840 |
| Average total loans | $113,229,750 | 3,204 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5946% | 5,449 |
| Cost of funding earning assets | 0.8958% | 913 |
| Net interest margin | 2.6988% | 6,176 |
| Noninterest income to average assets | 0.7515% | 2,406 |
| Noninterest expense to average assets | 1.9951% | 6,054 |
| Loan and lease loss provision to assets | 0.0786% | 3,484 |
| Net operating income to assets | 1.0347% | 2,183 |
| Return on assets (ROA) | 1.0347% | 2,299 |
| Pretax return on assets | 1.1893% | 2,721 |
| Return on Equity (ROE) | 10.3203% | 2,080 |
| Retained earnings to average equity (ytd only) | 10.3203% | 777 |
| Net charge-offs to loans | 0.0486% | 3,997 |
| Credit loss provision to net charge-offs | 333.3333% | 775 |
| Earnings coverage of net charge-offs (x) | 53.7407% | 761 |
| Efficiency ratio | 61.1409% | 5,306 |
| Assets per employee ($millions) | 5.3451% | 1,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3134% | 4,436 |
| Loan loss allowance to noncurrent loans | 232.3575% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.2824% | 5,637 |
| Noncurrent loans to loans | 0.5653% | 4,848 |
| Net loans and leases to total assets | 49.2989% | 5,186 |
| Net loans and leases to deposits | 58.3761% | 5,128 |
| Net loans and leases to core deposits | 64.2952% | 4,861 |
| Total domestic deposits to total assets | 84.4504% | 4,147 |
| Equity capital to assets | 9.7616% | 4,226 |
| Core capital (leverage) ratio | 9.9990% | 3,523 |
| Tier 1 risk-based capital ratio | 12.3494% | 5,600 |
| Total risk-based capital ratio | 13.1576% | 5,800 |
| Memoranda: |
| Average total assets | $228,866,330 | 2,756 |
| Average earning assets | $212,984,670 | 2,710 |
| Average equity | $22,945,000 | 2,870 |
| Average total loans | $111,168,000 | 3,247 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5876% | 5,483 |
| Cost of funding earning assets | 0.9260% | 870 |
| Net interest margin | 2.6616% | 6,282 |
| Noninterest income to average assets | 0.6901% | 2,647 |
| Noninterest expense to average assets | 1.9389% | 6,213 |
| Loan and lease loss provision to assets | 0.0788% | 3,325 |
| Net operating income to assets | 1.1630% | 1,629 |
| Return on assets (ROA) | 1.1630% | 1,737 |
| Pretax return on assets | 1.1542% | 2,747 |
| Return on Equity (ROE) | 11.4485% | 1,576 |
| Retained earnings to average equity (ytd only) | 11.4485% | 791 |
| Net charge-offs to loans | 0.0219% | 3,733 |
| Credit loss provision to net charge-offs | 750.0000% | 377 |
| Earnings coverage of net charge-offs (x) | 117.3333% | 332 |
| Efficiency ratio | 61.1264% | 5,429 |
| Assets per employee ($millions) | 5.3588% | 1,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3579% | 4,431 |
| Loan loss allowance to noncurrent loans | 379.5396% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.1697% | 6,064 |
| Noncurrent loans to loans | 0.3578% | 5,503 |
| Net loans and leases to total assets | 46.7836% | 5,355 |
| Net loans and leases to deposits | 53.5931% | 5,466 |
| Net loans and leases to core deposits | 59.0417% | 5,244 |
| Total domestic deposits to total assets | 87.2941% | 2,763 |
| Equity capital to assets | 10.1715% | 3,931 |
| Core capital (leverage) ratio | 9.8929% | 3,537 |
| Tier 1 risk-based capital ratio | 12.8328% | 5,355 |
| Total risk-based capital ratio | 13.6782% | 5,569 |
| Memoranda: |
| Average total assets | $228,380,000 | 2,800 |
| Average earning assets | $212,955,000 | 2,733 |
| Average equity | $23,199,500 | 2,897 |
| Average total loans | $109,344,000 | 3,300 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9450% | 5,454 |
| Cost of funding earning assets | 1.0731% | 1,007 |
| Net interest margin | 2.8719% | 6,281 |
| Noninterest income to average assets | 0.9502% | 1,703 |
| Noninterest expense to average assets | 2.0869% | 6,154 |
| Loan and lease loss provision to assets | 0.1375% | 3,898 |
| Net operating income to assets | 1.0347% | 2,188 |
| Return on assets (ROA) | 1.0432% | 2,354 |
| Pretax return on assets | 1.4113% | 2,006 |
| Return on Equity (ROE) | 9.9629% | 2,185 |
| Retained earnings to average equity (ytd only) | 5.5855% | 2,327 |
| Net charge-offs to loans | 0.1197% | 4,493 |
| Credit loss provision to net charge-offs | 241.9355% | 1,025 |
| Earnings coverage of net charge-offs (x) | 27.0484% | 1,080 |
| Efficiency ratio | 57.5819% | 5,888 |
| Assets per employee ($millions) | 5.5203% | 1,673 |
| Cash dividends to net income (ytd only)* | 43.9367% | 2,644 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3208% | 4,526 |
| Loan loss allowance to noncurrent loans | 483.2776% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.1321% | 6,240 |
| Noncurrent loans to loans | 0.2733% | 5,800 |
| Net loans and leases to total assets | 47.6983% | 5,445 |
| Net loans and leases to deposits | 54.7730% | 5,573 |
| Net loans and leases to core deposits | 60.0453% | 5,359 |
| Total domestic deposits to total assets | 87.0835% | 2,792 |
| Equity capital to assets | 10.1449% | 3,973 |
| Core capital (leverage) ratio | 9.7811% | 3,683 |
| Tier 1 risk-based capital ratio | 11.9725% | 5,810 |
| Total risk-based capital ratio | 12.7821% | 6,047 |
| Memoranda: |
| Average total assets | $218,169,000 | 2,859 |
| Average earning assets | $203,144,000 | 2,815 |
| Average equity | $22,844,800 | 2,866 |
| Average total loans | $103,635,600 | 3,445 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9866% | 5,553 |
| Cost of funding earning assets | 1.1029% | 1,053 |
| Net interest margin | 2.8837% | 6,389 |
| Noninterest income to average assets | 0.9469% | 1,680 |
| Noninterest expense to average assets | 1.9722% | 6,399 |
| Loan and lease loss provision to assets | 0.0648% | 4,894 |
| Net operating income to assets | 1.2104% | 1,698 |
| Return on assets (ROA) | 1.2221% | 1,836 |
| Pretax return on assets | 1.6095% | 1,550 |
| Return on Equity (ROE) | 11.5765% | 1,766 |
| Retained earnings to average equity (ytd only) | 11.5765% | 595 |
| Net charge-offs to loans | 0.1370% | 4,021 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 25.6089% | 1,242 |
| Efficiency ratio | 54.3153% | 6,220 |
| Assets per employee ($millions) | 5.2693% | 1,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1669% | 5,447 |
| Loan loss allowance to noncurrent loans | 238.9831% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.2458% | 6,085 |
| Noncurrent loans to loans | 0.4883% | 5,471 |
| Net loans and leases to total assets | 49.7519% | 5,339 |
| Net loans and leases to deposits | 57.9881% | 5,432 |
| Net loans and leases to core deposits | 63.6055% | 5,198 |
| Total domestic deposits to total assets | 85.7967% | 3,363 |
| Equity capital to assets | 11.0738% | 3,185 |
| Core capital (leverage) ratio | 10.4089% | 3,028 |
| Tier 1 risk-based capital ratio | 13.1815% | 5,106 |
| Total risk-based capital ratio | 13.9226% | 5,464 |
| Memoranda: |
| Average total assets | $216,128,500 | 2,906 |
| Average earning assets | $201,170,500 | 2,852 |
| Average equity | $22,815,750 | 2,898 |
| Average total loans | $102,194,250 | 3,503 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9881% | 5,683 |
| Cost of funding earning assets | 1.1217% | 1,119 |
| Net interest margin | 2.8664% | 6,467 |
| Noninterest income to average assets | 1.0289% | 1,380 |
| Noninterest expense to average assets | 1.9893% | 6,454 |
| Loan and lease loss provision to assets | 0.0555% | 4,969 |
| Net operating income to assets | 1.1936% | 1,739 |
| Return on assets (ROA) | 1.1936% | 1,936 |
| Pretax return on assets | 1.6534% | 1,387 |
| Return on Equity (ROE) | 11.4941% | 1,828 |
| Retained earnings to average equity (ytd only) | 11.4941% | 661 |
| Net charge-offs to loans | 0.2360% | 3,156 |
| Credit loss provision to net charge-offs | 50.8475% | 4,013 |
| Earnings coverage of net charge-offs (x) | 15.6525% | 1,639 |
| Efficiency ratio | 53.7903% | 6,334 |
| Assets per employee ($millions) | 5.3810% | 1,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1485% | 5,580 |
| Loan loss allowance to noncurrent loans | 90.2385% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 0.6300% | 5,199 |
| Noncurrent loans to loans | 1.2728% | 4,007 |
| Net loans and leases to total assets | 47.2428% | 5,687 |
| Net loans and leases to deposits | 55.9634% | 5,647 |
| Net loans and leases to core deposits | 61.8003% | 5,408 |
| Total domestic deposits to total assets | 84.4172% | 4,132 |
| Equity capital to assets | 10.4224% | 3,782 |
| Core capital (leverage) ratio | 9.9799% | 3,445 |
| Tier 1 risk-based capital ratio | 13.2532% | 4,998 |
| Total risk-based capital ratio | 13.9867% | 5,358 |
| Memoranda: |
| Average total assets | $216,157,330 | 2,913 |
| Average earning assets | $201,301,000 | 2,855 |
| Average equity | $22,446,330 | 2,929 |
| Average total loans | $100,007,670 | 3,571 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0654% | 5,563 |
| Cost of funding earning assets | 1.1701% | 1,105 |
| Net interest margin | 2.8952% | 6,494 |
| Noninterest income to average assets | 1.3014% | 842 |
| Noninterest expense to average assets | 1.9278% | 6,593 |
| Loan and lease loss provision to assets | 0.0561% | 4,705 |
| Net operating income to assets | 1.5314% | 975 |
| Return on assets (ROA) | 1.5314% | 1,094 |
| Pretax return on assets | 2.0101% | 725 |
| Return on Equity (ROE) | 14.7751% | 1,018 |
| Retained earnings to average equity (ytd only) | 14.7751% | 473 |
| Net charge-offs to loans | 0.1275% | 3,346 |
| Credit loss provision to net charge-offs | 96.7742% | 2,426 |
| Earnings coverage of net charge-offs (x) | 35.6452% | 822 |
| Efficiency ratio | 48.2678% | 6,784 |
| Assets per employee ($millions) | 5.2606% | 1,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3090% | 4,980 |
| Loan loss allowance to noncurrent loans | 242.9119% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.2527% | 6,252 |
| Noncurrent loans to loans | 0.5389% | 5,584 |
| Net loans and leases to total assets | 44.3234% | 5,975 |
| Net loans and leases to deposits | 51.0938% | 6,062 |
| Net loans and leases to core deposits | 56.6668% | 5,844 |
| Total domestic deposits to total assets | 86.7491% | 3,092 |
| Equity capital to assets | 10.4310% | 3,579 |
| Core capital (leverage) ratio | 10.0191% | 3,345 |
| Tier 1 risk-based capital ratio | 14.0321% | 4,452 |
| Total risk-based capital ratio | 14.8630% | 4,727 |
| Memoranda: |
| Average total assets | $213,925,000 | 2,957 |
| Average earning assets | $198,949,500 | 2,907 |
| Average equity | $22,172,500 | 2,960 |
| Average total loans | $97,292,000 | 3,654 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3396% | 5,635 |
| Cost of funding earning assets | 1.3663% | 1,178 |
| Net interest margin | 2.9733% | 6,571 |
| Noninterest income to average assets | 0.8365% | 1,902 |
| Noninterest expense to average assets | 2.1902% | 6,291 |
| Loan and lease loss provision to assets | 0.0715% | 5,724 |
| Net operating income to assets | 1.0373% | 2,056 |
| Return on assets (ROA) | 1.0377% | 2,207 |
| Pretax return on assets | 1.3216% | 2,046 |
| Return on Equity (ROE) | 9.7587% | 2,141 |
| Retained earnings to average equity (ytd only) | 4.4273% | 3,021 |
| Net charge-offs to loans | 0.0620% | 5,679 |
| Credit loss provision to net charge-offs | 245.7627% | 986 |
| Earnings coverage of net charge-offs (x) | 47.8814% | 580 |
| Efficiency ratio | 61.1310% | 5,588 |
| Assets per employee ($millions) | 4.9341% | 2,301 |
| Cash dividends to net income (ytd only)* | 54.6318% | 1,817 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2986% | 4,911 |
| Loan loss allowance to noncurrent loans | 250.2959% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.2663% | 6,301 |
| Noncurrent loans to loans | 0.5188% | 5,675 |
| Net loans and leases to total assets | 45.4590% | 6,061 |
| Net loans and leases to deposits | 52.1008% | 6,204 |
| Net loans and leases to core deposits | 57.1323% | 6,065 |
| Total domestic deposits to total assets | 87.2520% | 2,608 |
| Equity capital to assets | 10.2971% | 3,789 |
| Core capital (leverage) ratio | 10.0026% | 3,339 |
| Tier 1 risk-based capital ratio | 13.8921% | 4,405 |
| Total risk-based capital ratio | 14.7480% | 4,659 |
| Memoranda: |
| Average total assets | $202,858,200 | 3,027 |
| Average earning assets | $187,366,200 | 2,993 |
| Average equity | $21,570,600 | 2,937 |
| Average total loans | $95,236,000 | 3,739 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4223% | 5,533 |
| Cost of funding earning assets | 1.4046% | 1,218 |
| Net interest margin | 3.0176% | 6,549 |
| Noninterest income to average assets | 0.8411% | 1,871 |
| Noninterest expense to average assets | 2.0778% | 6,537 |
| Loan and lease loss provision to assets | 0.0765% | 5,492 |
| Net operating income to assets | 1.2009% | 1,651 |
| Return on assets (ROA) | 1.2014% | 1,759 |
| Pretax return on assets | 1.4701% | 1,736 |
| Return on Equity (ROE) | 11.2051% | 1,789 |
| Retained earnings to average equity (ytd only) | 10.2750% | 770 |
| Net charge-offs to loans | 0.0874% | 5,101 |
| Credit loss provision to net charge-offs | 185.4839% | 1,582 |
| Earnings coverage of net charge-offs (x) | 37.5021% | 805 |
| Efficiency ratio | 57.3394% | 6,100 |
| Assets per employee ($millions) | 4.8921% | 2,338 |
| Cash dividends to net income (ytd only)* | 8.3013% | 3,322 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2767% | 5,114 |
| Loan loss allowance to noncurrent loans | 232.3308% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.8820% | 4,975 |
| Noncurrent loans to loans | 0.5495% | 5,769 |
| Net loans and leases to total assets | 47.6503% | 5,998 |
| Net loans and leases to deposits | 55.3092% | 6,095 |
| Net loans and leases to core deposits | 60.9973% | 5,909 |
| Total domestic deposits to total assets | 86.1525% | 3,138 |
| Equity capital to assets | 11.3412% | 2,822 |
| Core capital (leverage) ratio | 10.6506% | 2,710 |
| Tier 1 risk-based capital ratio | 13.6299% | 4,632 |
| Total risk-based capital ratio | 14.4208% | 4,949 |
| Memoranda: |
| Average total assets | $200,531,000 | 3,068 |
| Average earning assets | $184,908,500 | 3,039 |
| Average equity | $21,501,500 | 2,946 |
| Average total loans | $94,615,500 | 3,786 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3987% | 5,696 |
| Cost of funding earning assets | 1.4306% | 1,277 |
| Net interest margin | 2.9682% | 6,662 |
| Noninterest income to average assets | 0.8518% | 1,797 |
| Noninterest expense to average assets | 2.0198% | 6,749 |
| Loan and lease loss provision to assets | 0.0898% | 5,196 |
| Net operating income to assets | 1.2479% | 1,446 |
| Return on assets (ROA) | 1.2488% | 1,521 |
| Pretax return on assets | 1.4812% | 1,584 |
| Return on Equity (ROE) | 11.8752% | 1,532 |
| Retained earnings to average equity (ytd only) | 10.4524% | 755 |
| Net charge-offs to loans | 0.0320% | 5,399 |
| Credit loss provision to net charge-offs | 600.0000% | 513 |
| Earnings coverage of net charge-offs (x) | 104.9333% | 346 |
| Efficiency ratio | 56.2656% | 6,393 |
| Assets per employee ($millions) | 4.8956% | 2,265 |
| Cash dividends to net income (ytd only)* | 11.9808% | 3,091 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3233% | 4,953 |
| Loan loss allowance to noncurrent loans | 326.7532% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.7538% | 5,396 |
| Noncurrent loans to loans | 0.4050% | 6,093 |
| Net loans and leases to total assets | 46.7347% | 6,188 |
| Net loans and leases to deposits | 54.4719% | 6,274 |
| Net loans and leases to core deposits | 60.4644% | 6,053 |
| Total domestic deposits to total assets | 85.7960% | 3,446 |
| Equity capital to assets | 10.9861% | 2,971 |
| Core capital (leverage) ratio | 10.3811% | 2,850 |
| Tier 1 risk-based capital ratio | 13.5250% | 4,504 |
| Total risk-based capital ratio | 14.3451% | 4,819 |
| Memoranda: |
| Average total assets | $200,515,330 | 3,095 |
| Average earning assets | $184,962,330 | 3,057 |
| Average equity | $21,086,000 | 2,987 |
| Average total loans | $93,883,330 | 3,841 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3365% | 5,894 |
| Cost of funding earning assets | 1.4765% | 1,268 |
| Net interest margin | 2.8600% | 6,819 |
| Noninterest income to average assets | 0.8622% | 1,808 |
| Noninterest expense to average assets | 2.0378% | 6,760 |
| Loan and lease loss provision to assets | 0.0898% | 4,893 |
| Net operating income to assets | 1.1440% | 1,687 |
| Return on assets (ROA) | 1.1456% | 1,730 |
| Pretax return on assets | 1.3732% | 1,801 |
| Return on Equity (ROE) | 11.1437% | 1,694 |
| Retained earnings to average equity (ytd only) | 11.1437% | 875 |
| Net charge-offs to loans | 0.0043% | 5,068 |
| Credit loss provision to net charge-offs | 4,500.0000% | 79 |
| Earnings coverage of net charge-offs (x) | 732.0000% | 20 |
| Efficiency ratio | 58.2430% | 6,236 |
| Assets per employee ($millions) | 4.9930% | 2,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3292% | 4,992 |
| Loan loss allowance to noncurrent loans | 242.0118% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.8272% | 5,251 |
| Noncurrent loans to loans | 0.5492% | 5,925 |
| Net loans and leases to total assets | 45.6058% | 6,322 |
| Net loans and leases to deposits | 52.9134% | 6,399 |
| Net loans and leases to core deposits | 57.8866% | 6,268 |
| Total domestic deposits to total assets | 86.1897% | 3,408 |
| Equity capital to assets | 10.4912% | 3,183 |
| Core capital (leverage) ratio | 10.1913% | 2,937 |
| Tier 1 risk-based capital ratio | 13.5760% | 4,373 |
| Total risk-based capital ratio | 14.3999% | 4,690 |
| Memoranda: |
| Average total assets | $200,414,000 | 3,108 |
| Average earning assets | $184,756,500 | 3,082 |
| Average equity | $20,603,500 | 3,035 |
| Average total loans | $93,293,500 | 3,895 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7132% | 5,764 |
| Cost of funding earning assets | 1.7062% | 1,574 |
| Net interest margin | 3.0070% | 6,722 |
| Noninterest income to average assets | 1.0778% | 1,285 |
| Noninterest expense to average assets | 2.2527% | 6,473 |
| Loan and lease loss provision to assets | 0.0886% | 6,262 |
| Net operating income to assets | 1.1464% | 1,556 |
| Return on assets (ROA) | 1.2273% | 1,426 |
| Pretax return on assets | 1.6096% | 1,104 |
| Return on Equity (ROE) | 11.5100% | 1,449 |
| Retained earnings to average equity (ytd only) | 5.3516% | 2,219 |
| Net charge-offs to loans | 0.0402% | 6,403 |
| Credit loss provision to net charge-offs | 456.7568% | 502 |
| Earnings coverage of net charge-offs (x) | 82.0270% | 292 |
| Efficiency ratio | 58.5948% | 6,265 |
| Assets per employee ($millions) | 5.0277% | 2,119 |
| Cash dividends to net income (ytd only)* | 53.5043% | 1,907 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2548% | 5,229 |
| Loan loss allowance to noncurrent loans | 532.8829% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.6847% | 5,635 |
| Noncurrent loans to loans | 0.2355% | 6,588 |
| Net loans and leases to total assets | 46.2901% | 6,535 |
| Net loans and leases to deposits | 52.9374% | 6,678 |
| Net loans and leases to core deposits | 58.3205% | 6,535 |
| Total domestic deposits to total assets | 87.4431% | 2,586 |
| Equity capital to assets | 10.0712% | 3,655 |
| Core capital (leverage) ratio | 9.9906% | 3,106 |
| Tier 1 risk-based capital ratio | 13.4788% | 4,222 |
| Total risk-based capital ratio | 14.2904% | 4,529 |
| Memoranda: |
| Average total assets | $190,663,600 | 3,220 |
| Average earning assets | $175,423,000 | 3,180 |
| Average equity | $20,330,200 | 3,102 |
| Average total loans | $91,964,600 | 4,008 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7598% | 5,822 |
| Cost of funding earning assets | 1.7487% | 1,630 |
| Net interest margin | 3.0111% | 6,808 |
| Noninterest income to average assets | 1.0117% | 1,436 |
| Noninterest expense to average assets | 2.1554% | 6,727 |
| Loan and lease loss provision to assets | 0.0986% | 6,032 |
| Net operating income to assets | 1.2150% | 1,551 |
| Return on assets (ROA) | 1.3287% | 1,362 |
| Pretax return on assets | 1.6718% | 1,166 |
| Return on Equity (ROE) | 12.2786% | 1,432 |
| Retained earnings to average equity (ytd only) | 10.6275% | 663 |
| Net charge-offs to loans | 0.0161% | 6,454 |
| Credit loss provision to net charge-offs | 1,263.6364% | 239 |
| Earnings coverage of net charge-offs (x) | 208.4928% | 155 |
| Efficiency ratio | 56.9929% | 6,413 |
| Assets per employee ($millions) | 4.6695% | 2,654 |
| Cash dividends to net income (ytd only)* | 13.4471% | 3,208 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2548% | 5,200 |
| Loan loss allowance to noncurrent loans | 119.5740% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 1.1789% | 4,773 |
| Noncurrent loans to loans | 1.0494% | 5,144 |
| Net loans and leases to total assets | 48.4617% | 6,476 |
| Net loans and leases to deposits | 57.0806% | 6,534 |
| Net loans and leases to core deposits | 62.3442% | 6,426 |
| Total domestic deposits to total assets | 84.9005% | 3,669 |
| Equity capital to assets | 11.2144% | 2,763 |
| Core capital (leverage) ratio | 10.5830% | 2,611 |
| Tier 1 risk-based capital ratio | 14.4050% | 3,568 |
| Total risk-based capital ratio | 15.2464% | 3,811 |
| Memoranda: |
| Average total assets | $188,052,500 | 3,301 |
| Average earning assets | $172,998,750 | 3,269 |
| Average equity | $20,349,250 | 3,145 |
| Average total loans | $91,386,750 | 4,083 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7758% | 5,878 |
| Cost of funding earning assets | 1.7777% | 1,731 |
| Net interest margin | 2.9981% | 6,826 |
| Noninterest income to average assets | 0.8806% | 1,757 |
| Noninterest expense to average assets | 2.1271% | 6,826 |
| Loan and lease loss provision to assets | 0.0963% | 5,952 |
| Net operating income to assets | 1.1700% | 1,650 |
| Return on assets (ROA) | 1.3503% | 1,263 |
| Pretax return on assets | 1.6317% | 1,208 |
| Return on Equity (ROE) | 12.6354% | 1,324 |
| Retained earnings to average equity (ytd only) | 10.1123% | 820 |
| Net charge-offs to loans | 0.0353% | 5,859 |
| Credit loss provision to net charge-offs | 562.5000% | 658 |
| Earnings coverage of net charge-offs (x) | 88.2500% | 370 |
| Efficiency ratio | 58.4706% | 6,311 |
| Assets per employee ($millions) | 4.7260% | 2,543 |
| Cash dividends to net income (ytd only)* | 19.9683% | 2,894 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2355% | 5,258 |
| Loan loss allowance to noncurrent loans | 365.2597% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.8194% | 5,484 |
| Noncurrent loans to loans | 0.3383% | 6,552 |
| Net loans and leases to total assets | 47.5730% | 6,652 |
| Net loans and leases to deposits | 54.6982% | 6,815 |
| Net loans and leases to core deposits | 60.8300% | 6,647 |
| Total domestic deposits to total assets | 86.9735% | 2,540 |
| Equity capital to assets | 10.8756% | 2,989 |
| Core capital (leverage) ratio | 10.4094% | 2,704 |
| Tier 1 risk-based capital ratio | 14.8428% | 3,241 |
| Total risk-based capital ratio | 15.6957% | 3,442 |
| Memoranda: |
| Average total assets | $186,920,000 | 3,349 |
| Average earning assets | $171,909,330 | 3,307 |
| Average equity | $19,975,670 | 3,176 |
| Average total loans | $90,529,330 | 4,132 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8275% | 5,774 |
| Cost of funding earning assets | 1.8323% | 1,735 |
| Net interest margin | 2.9953% | 6,834 |
| Noninterest income to average assets | 0.7769% | 2,139 |
| Noninterest expense to average assets | 2.1930% | 6,703 |
| Loan and lease loss provision to assets | 0.0968% | 5,663 |
| Net operating income to assets | 1.1176% | 1,773 |
| Return on assets (ROA) | 1.5108% | 945 |
| Pretax return on assets | 1.6787% | 1,100 |
| Return on Equity (ROE) | 14.2654% | 1,002 |
| Retained earnings to average equity (ytd only) | 9.1445% | 1,359 |
| Net charge-offs to loans | 0.0310% | 5,143 |
| Credit loss provision to net charge-offs | 642.8571% | 678 |
| Earnings coverage of net charge-offs (x) | 88.8571% | 364 |
| Efficiency ratio | 62.0963% | 5,815 |
| Assets per employee ($millions) | 4.7607% | 2,559 |
| Cash dividends to net income (ytd only)* | 35.8974% | 1,879 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2121% | 5,443 |
| Loan loss allowance to noncurrent loans | 296.7302% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.8661% | 5,429 |
| Noncurrent loans to loans | 0.4085% | 6,476 |
| Net loans and leases to total assets | 47.8036% | 6,695 |
| Net loans and leases to deposits | 54.8703% | 6,858 |
| Net loans and leases to core deposits | 59.6499% | 6,775 |
| Total domestic deposits to total assets | 87.1211% | 2,566 |
| Equity capital to assets | 10.6653% | 3,075 |
| Core capital (leverage) ratio | 10.3051% | 2,804 |
| Tier 1 risk-based capital ratio | 15.0220% | 3,113 |
| Total risk-based capital ratio | 15.8821% | 3,265 |
| Memoranda: |
| Average total assets | $185,861,000 | 3,418 |
| Average earning assets | $170,936,500 | 3,390 |
| Average equity | $19,684,000 | 3,241 |
| Average total loans | $90,266,000 | 4,193 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3087% | 5,135 |
| Cost of funding earning assets | 2.0717% | 2,617 |
| Net interest margin | 3.2369% | 5,967 |
| Noninterest income to average assets | 1.0953% | 1,281 |
| Noninterest expense to average assets | 2.3350% | 6,648 |
| Loan and lease loss provision to assets | 0.1954% | 5,779 |
| Net operating income to assets | 1.0867% | 1,545 |
| Return on assets (ROA) | 1.1337% | 1,456 |
| Pretax return on assets | 1.5790% | 1,007 |
| Return on Equity (ROE) | 10.1589% | 1,647 |
| Retained earnings to average equity (ytd only) | 3.9958% | 2,414 |
| Net charge-offs to loans | 0.0720% | 6,390 |
| Credit loss provision to net charge-offs | 550.0000% | 548 |
| Earnings coverage of net charge-offs (x) | 48.0968% | 534 |
| Efficiency ratio | 57.7381% | 6,799 |
| Assets per employee ($millions) | 4.7706% | 2,516 |
| Cash dividends to net income (ytd only)* | 60.6673% | 1,967 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1589% | 5,591 |
| Loan loss allowance to noncurrent loans | 618.2353% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.7584% | 5,588 |
| Noncurrent loans to loans | 0.1875% | 6,954 |
| Net loans and leases to total assets | 48.1774% | 6,795 |
| Net loans and leases to deposits | 55.4970% | 6,949 |
| Net loans and leases to core deposits | 65.7406% | 6,998 |
| Total domestic deposits to total assets | 86.8108% | 2,603 |
| Equity capital to assets | 10.5163% | 3,162 |
| Core capital (leverage) ratio | 10.4343% | 2,663 |
| Tier 1 risk-based capital ratio | 14.8568% | 3,022 |
| Total risk-based capital ratio | 15.6977% | 3,190 |
| Memoranda: |
| Average total assets | $174,473,600 | 3,524 |
| Average earning assets | $158,948,000 | 3,537 |
| Average equity | $19,470,600 | 3,281 |
| Average total loans | $86,129,600 | 4,325 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3901% | 5,001 |
| Cost of funding earning assets | 2.1432% | 2,694 |
| Net interest margin | 3.2469% | 5,851 |
| Noninterest income to average assets | 1.1516% | 1,185 |
| Noninterest expense to average assets | 2.2473% | 6,845 |
| Loan and lease loss provision to assets | 0.1135% | 6,235 |
| Net operating income to assets | 1.3268% | 1,165 |
| Return on assets (ROA) | 1.3941% | 1,108 |
| Pretax return on assets | 1.8308% | 754 |
| Return on Equity (ROE) | 12.2999% | 1,287 |
| Retained earnings to average equity (ytd only) | 12.2999% | 318 |
| Net charge-offs to loans | 0.0408% | 6,331 |
| Credit loss provision to net charge-offs | 561.5385% | 693 |
| Earnings coverage of net charge-offs (x) | 91.8350% | 386 |
| Efficiency ratio | 54.7727% | 7,149 |
| Assets per employee ($millions) | 4.4163% | 3,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9975% | 6,311 |
| Loan loss allowance to noncurrent loans | 381.1966% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.7784% | 5,573 |
| Noncurrent loans to loans | 0.2617% | 6,854 |
| Net loans and leases to total assets | 50.1149% | 6,771 |
| Net loans and leases to deposits | 60.4302% | 6,792 |
| Net loans and leases to core deposits | 71.4681% | 6,876 |
| Total domestic deposits to total assets | 82.9303% | 4,258 |
| Equity capital to assets | 11.7768% | 2,379 |
| Core capital (leverage) ratio | 11.1258% | 2,312 |
| Tier 1 risk-based capital ratio | 16.3567% | 2,490 |
| Total risk-based capital ratio | 17.1016% | 2,618 |
| Memoranda: |
| Average total assets | $171,578,500 | 3,600 |
| Average earning assets | $155,962,000 | 3,621 |
| Average equity | $19,446,750 | 3,321 |
| Average total loans | $84,990,250 | 4,396 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3790% | 5,253 |
| Cost of funding earning assets | 2.2252% | 2,686 |
| Net interest margin | 3.1538% | 6,077 |
| Noninterest income to average assets | 1.3303% | 869 |
| Noninterest expense to average assets | 2.2497% | 6,921 |
| Loan and lease loss provision to assets | 0.1118% | 6,025 |
| Net operating income to assets | 1.3636% | 1,094 |
| Return on assets (ROA) | 1.3915% | 1,115 |
| Pretax return on assets | 1.8730% | 736 |
| Return on Equity (ROE) | 12.4458% | 1,299 |
| Retained earnings to average equity (ytd only) | 12.4458% | 384 |
| Net charge-offs to loans | 0.0383% | 5,929 |
| Credit loss provision to net charge-offs | 593.7500% | 787 |
| Earnings coverage of net charge-offs (x) | 103.3750% | 371 |
| Efficiency ratio | 53.6045% | 7,373 |
| Assets per employee ($millions) | 4.2707% | 3,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0203% | 6,078 |
| Loan loss allowance to noncurrent loans | 106.1097% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 1.1451% | 4,654 |
| Noncurrent loans to loans | 0.9615% | 5,300 |
| Net loans and leases to total assets | 47.1487% | 7,110 |
| Net loans and leases to deposits | 53.8312% | 7,278 |
| Net loans and leases to core deposits | 62.8051% | 7,347 |
| Total domestic deposits to total assets | 87.5863% | 1,974 |
| Equity capital to assets | 11.1949% | 2,760 |
| Core capital (leverage) ratio | 10.7967% | 2,569 |
| Tier 1 risk-based capital ratio | 16.7990% | 2,365 |
| Total risk-based capital ratio | 17.5524% | 2,465 |
| Memoranda: |
| Average total assets | $169,887,330 | 3,643 |
| Average earning assets | $154,414,670 | 3,660 |
| Average equity | $18,994,330 | 3,392 |
| Average total loans | $83,513,330 | 4,478 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4546% | 5,155 |
| Cost of funding earning assets | 2.3279% | 2,588 |
| Net interest margin | 3.1268% | 6,117 |
| Noninterest income to average assets | 0.9899% | 1,515 |
| Noninterest expense to average assets | 2.2142% | 6,826 |
| Loan and lease loss provision to assets | 0.1124% | 5,525 |
| Net operating income to assets | 1.1478% | 1,810 |
| Return on assets (ROA) | 1.1478% | 1,934 |
| Pretax return on assets | 1.4897% | 1,698 |
| Return on Equity (ROE) | 10.2726% | 2,207 |
| Retained earnings to average equity (ytd only) | 10.2726% | 1,124 |
| Net charge-offs to loans | 0.0814% | 4,351 |
| Credit loss provision to net charge-offs | 276.4706% | 1,734 |
| Earnings coverage of net charge-offs (x) | 39.4118% | 862 |
| Efficiency ratio | 58.0201% | 6,699 |
| Assets per employee ($millions) | 4.2478% | 3,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9625% | 6,418 |
| Loan loss allowance to noncurrent loans | 450.5618% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.8222% | 5,120 |
| Noncurrent loans to loans | 0.2136% | 6,917 |
| Net loans and leases to total assets | 47.3860% | 7,073 |
| Net loans and leases to deposits | 53.9283% | 7,291 |
| Net loans and leases to core deposits | 63.1940% | 7,345 |
| Total domestic deposits to total assets | 87.8686% | 1,812 |
| Equity capital to assets | 10.8860% | 3,088 |
| Core capital (leverage) ratio | 10.9792% | 2,513 |
| Tier 1 risk-based capital ratio | 16.9846% | 2,345 |
| Total risk-based capital ratio | 17.7299% | 2,458 |
| Memoranda: |
| Average total assets | $167,282,500 | 3,703 |
| Average earning assets | $151,210,500 | 3,726 |
| Average equity | $18,690,500 | 3,453 |
| Average total loans | $83,566,500 | 4,510 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2045% | 4,494 |
| Cost of funding earning assets | 2.8404% | 2,526 |
| Net interest margin | 3.3640% | 5,803 |
| Noninterest income to average assets | 0.8848% | 2,031 |
| Noninterest expense to average assets | 2.4376% | 6,268 |
| Loan and lease loss provision to assets | 0.1215% | 5,808 |
| Net operating income to assets | 0.9754% | 2,663 |
| Return on assets (ROA) | 1.0076% | 2,408 |
| Pretax return on assets | 1.3753% | 2,046 |
| Return on Equity (ROE) | 8.5580% | 2,810 |
| Retained earnings to average equity (ytd only) | 3.0403% | 3,274 |
| Net charge-offs to loans | 0.2722% | 3,591 |
| Credit loss provision to net charge-offs | 82.3789% | 5,855 |
| Earnings coverage of net charge-offs (x) | 9.8502% | 2,619 |
| Efficiency ratio | 62.6587% | 5,834 |
| Assets per employee ($millions) | 3.9123% | 3,701 |
| Cash dividends to net income (ytd only)* | 64.4745% | 2,450 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9212% | 6,561 |
| Loan loss allowance to noncurrent loans | 225.7310% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.9950% | 4,351 |
| Noncurrent loans to loans | 0.4081% | 6,119 |
| Net loans and leases to total assets | 51.7636% | 6,866 |
| Net loans and leases to deposits | 59.7383% | 7,111 |
| Net loans and leases to core deposits | 68.4727% | 7,268 |
| Total domestic deposits to total assets | 86.6507% | 2,112 |
| Equity capital to assets | 11.4846% | 2,644 |
| Core capital (leverage) ratio | 11.3057% | 2,368 |
| Tier 1 risk-based capital ratio | 17.1871% | 2,255 |
| Total risk-based capital ratio | 17.9325% | 2,358 |
| Memoranda: |
| Average total assets | $153,924,600 | 3,823 |
| Average earning assets | $137,514,200 | 3,901 |
| Average equity | $18,123,400 | 3,541 |
| Average total loans | $83,381,200 | 4,415 |
