| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5690% | 4,369 |
| Cost of funding earning assets | 1.0488% | 3,198 |
| Net interest margin | 2.5202% | 4,076 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 2.6712% | 1,817 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.0183% | 4,314 |
| Return on assets (ROA) | 0.0183% | 4,341 |
| Pretax return on assets | 0.0092% | 4,330 |
| Return on Equity (ROE) | 0.3800% | 4,312 |
| Retained earnings to average equity (ytd only) | -2.4135% | 4,295 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 98.7979% | 206 |
| Assets per employee ($millions) | 7.3550% | 1,841 |
| Cash dividends to net income (ytd only)* | 736.8421% | 7 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9642% | 3,471 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 63.9100% | 2,469 |
| Net loans and leases to deposits | 68.9204% | 2,956 |
| Net loans and leases to core deposits | 75.9372% | 2,983 |
| Total domestic deposits to total assets | 92.7300% | 203 |
| Equity capital to assets | 5.0347% | 4,408 |
| Core capital (leverage) ratio | 7.1970% | 4,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7469% | 1,958 |
| Memoranda: |
| Average total assets | $519,987,400 | 1,689 |
| Average earning assets | $488,847,200 | 1,666 |
| Average equity | $25,067,400 | 2,514 |
| Average total loans | $334,404,200 | 1,668 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4887% | 4,392 |
| Cost of funding earning assets | 0.9411% | 3,173 |
| Net interest margin | 2.5476% | 4,088 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 2.6914% | 1,689 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.0605% | 4,342 |
| Return on assets (ROA) | 0.0605% | 4,364 |
| Pretax return on assets | 0.0348% | 4,367 |
| Return on Equity (ROE) | 1.2700% | 4,285 |
| Retained earnings to average equity (ytd only) | -2.5132% | 4,346 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 98.1955% | 198 |
| Assets per employee ($millions) | 6.6495% | 2,218 |
| Cash dividends to net income (ytd only)* | 297.8723% | 12 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9553% | 3,543 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 64.9100% | 2,353 |
| Net loans and leases to deposits | 71.1290% | 2,764 |
| Net loans and leases to core deposits | 78.1913% | 2,730 |
| Total domestic deposits to total assets | 91.2500% | 609 |
| Equity capital to assets | 4.3836% | 4,350 |
| Core capital (leverage) ratio | 7.3909% | 4,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7401% | 1,991 |
| Memoranda: |
| Average total assets | $517,593,750 | 1,693 |
| Average earning assets | $486,778,250 | 1,672 |
| Average equity | $24,668,750 | 2,525 |
| Average total loans | $332,571,750 | 1,669 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4115% | 4,411 |
| Cost of funding earning assets | 0.7842% | 3,254 |
| Net interest margin | 2.6273% | 4,077 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 2.6290% | 1,855 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.1728% | 4,310 |
| Return on assets (ROA) | 0.1728% | 4,334 |
| Pretax return on assets | 0.1775% | 4,344 |
| Return on Equity (ROE) | 3.5300% | 4,090 |
| Retained earnings to average equity (ytd only) | -0.9086% | 4,205 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 92.9969% | 286 |
| Assets per employee ($millions) | 6.5099% | 2,276 |
| Cash dividends to net income (ytd only)* | 125.7271% | 171 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9574% | 3,584 |
| Loan loss allowance to noncurrent loans | 12,011.1111% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 3,820 |
| Noncurrent loans to loans | 0.0080% | 3,743 |
| Net loans and leases to total assets | 64.4200% | 2,346 |
| Net loans and leases to deposits | 73.0768% | 2,574 |
| Net loans and leases to core deposits | 80.2625% | 2,451 |
| Total domestic deposits to total assets | 88.1500% | 1,551 |
| Equity capital to assets | 4.7723% | 4,411 |
| Core capital (leverage) ratio | 7.5240% | 4,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9432% | 1,921 |
| Memoranda: |
| Average total assets | $517,237,333 | 1,689 |
| Average earning assets | $487,118,333 | 1,668 |
| Average equity | $25,313,000 | 2,507 |
| Average total loans | $330,131,667 | 1,672 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0060% | 4,127 |
| Cost of funding earning assets | 0.1520% | 4,111 |
| Net interest margin | 2.8540% | 3,785 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 2.6174% | 1,782 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.3750% | 4,273 |
| Return on assets (ROA) | 0.3750% | 4,239 |
| Pretax return on assets | 0.4220% | 4,258 |
| Return on Equity (ROE) | 6.5500% | 3,722 |
| Retained earnings to average equity (ytd only) | 2.8465% | 3,760 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 85.1200% | 446 |
| Assets per employee ($millions) | 6.5136% | 2,324 |
| Cash dividends to net income (ytd only)* | 56.5263% | 1,103 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9727% | 3,501 |
| Loan loss allowance to noncurrent loans | 10,440.0000% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0058% | 3,860 |
| Noncurrent loans to loans | 0.0093% | 3,786 |
| Net loans and leases to total assets | 61.9600% | 2,445 |
| Net loans and leases to deposits | 66.2300% | 2,878 |
| Net loans and leases to core deposits | 68.3362% | 2,990 |
| Total domestic deposits to total assets | 93.5600% | 300 |
| Equity capital to assets | 4.7121% | 4,433 |
| Core capital (leverage) ratio | 7.3832% | 4,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4447% | 1,798 |
| Memoranda: |
| Average total assets | $506,618,000 | 1,704 |
| Average earning assets | $477,509,400 | 1,683 |
| Average equity | $29,018,400 | 2,378 |
| Average total loans | $305,022,800 | 1,704 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8707% | 4,093 |
| Cost of funding earning assets | 0.0922% | 4,337 |
| Net interest margin | 2.7786% | 3,779 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 2.6157% | 1,679 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.3324% | 4,343 |
| Return on assets (ROA) | 0.3324% | 4,297 |
| Pretax return on assets | 0.3651% | 4,313 |
| Return on Equity (ROE) | 5.5500% | 3,877 |
| Retained earnings to average equity (ytd only) | 1.9816% | 4,038 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 87.0559% | 417 |
| Assets per employee ($millions) | 6.7462% | 2,134 |
| Cash dividends to net income (ytd only)* | 64.3084% | 757 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9458% | 3,701 |
| Loan loss allowance to noncurrent loans | 2,765.4545% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 3,732 |
| Noncurrent loans to loans | 0.0342% | 3,648 |
| Net loans and leases to total assets | 61.3300% | 2,372 |
| Net loans and leases to deposits | 65.5734% | 2,754 |
| Net loans and leases to core deposits | 66.1160% | 2,947 |
| Total domestic deposits to total assets | 93.5300% | 452 |
| Equity capital to assets | 4.3553% | 4,430 |
| Core capital (leverage) ratio | 7.5680% | 4,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1559% | 1,992 |
| Memoranda: |
| Average total assets | $504,629,250 | 1,716 |
| Average earning assets | $475,869,750 | 1,693 |
| Average equity | $30,211,250 | 2,360 |
| Average total loans | $300,784,000 | 1,707 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7728% | 4,024 |
| Cost of funding earning assets | 0.0632% | 4,504 |
| Net interest margin | 2.7097% | 3,681 |
| Noninterest income to average assets | 0.3742% | 2,904 |
| Noninterest expense to average assets | 2.6329% | 1,548 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2834% | 4,317 |
| Return on assets (ROA) | 0.2834% | 4,267 |
| Pretax return on assets | 0.3002% | 4,296 |
| Return on Equity (ROE) | 4.3249% | 3,957 |
| Retained earnings to average equity (ytd only) | 1.0018% | 3,996 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7653% | 416 |
| Assets per employee ($millions) | 6.6593% | 2,199 |
| Cash dividends to net income (ytd only)* | 76.8362% | 667 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9563% | 3,773 |
| Loan loss allowance to noncurrent loans | 2,635.7143% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.0224% | 3,780 |
| Noncurrent loans to loans | 0.0363% | 3,679 |
| Net loans and leases to total assets | 61.2159% | 2,197 |
| Net loans and leases to deposits | 67.0217% | 2,468 |
| Net loans and leases to core deposits | 67.5116% | 2,696 |
| Total domestic deposits to total assets | 91.3374% | 1,089 |
| Equity capital to assets | 5.6172% | 4,326 |
| Core capital (leverage) ratio | 7.6918% | 4,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7088% | 1,797 |
| Memoranda: |
| Average total assets | $499,685,667 | 1,726 |
| Average earning assets | $471,861,667 | 1,716 |
| Average equity | $32,740,333 | 2,285 |
| Average total loans | $293,831,667 | 1,732 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7106% | 3,932 |
| Cost of funding earning assets | 0.0492% | 4,611 |
| Net interest margin | 2.6615% | 3,500 |
| Noninterest income to average assets | 0.2953% | 3,352 |
| Noninterest expense to average assets | 2.5730% | 1,682 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2313% | 4,281 |
| Return on assets (ROA) | 0.2313% | 4,248 |
| Pretax return on assets | 0.2345% | 4,288 |
| Return on Equity (ROE) | 3.2950% | 4,032 |
| Retained earnings to average equity (ytd only) | 0.1140% | 3,995 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6477% | 478 |
| Assets per employee ($millions) | 6.5931% | 2,299 |
| Cash dividends to net income (ytd only)* | 96.5398% | 546 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0118% | 3,670 |
| Loan loss allowance to noncurrent loans | 8,434.2857% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 4,018 |
| Noncurrent loans to loans | 0.0120% | 3,930 |
| Net loans and leases to total assets | 58.4056% | 2,256 |
| Net loans and leases to deposits | 63.0603% | 2,620 |
| Net loans and leases to core deposits | 63.5192% | 2,834 |
| Total domestic deposits to total assets | 92.6188% | 374 |
| Equity capital to assets | 6.3693% | 4,477 |
| Core capital (leverage) ratio | 7.8055% | 4,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1667% | 1,735 |
| Memoranda: |
| Average total assets | $499,805,000 | 1,730 |
| Average earning assets | $471,772,000 | 1,726 |
| Average equity | $35,083,000 | 2,250 |
| Average total loans | $286,401,000 | 1,757 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7151% | 4,299 |
| Cost of funding earning assets | 0.1050% | 4,351 |
| Net interest margin | 2.6101% | 4,036 |
| Noninterest income to average assets | 0.5579% | 2,328 |
| Noninterest expense to average assets | 2.5291% | 2,094 |
| Loan and lease loss provision to assets | 0.0075% | 2,937 |
| Net operating income to assets | 0.4345% | 4,214 |
| Return on assets (ROA) | 0.4519% | 4,225 |
| Pretax return on assets | 0.5157% | 4,235 |
| Return on Equity (ROE) | 5.5472% | 3,871 |
| Retained earnings to average equity (ytd only) | 2.8068% | 3,724 |
| Net charge-offs to loans | -0.0004% | 3,215 |
| Credit loss provision to net charge-offs | -3,600.0000% | 4,123 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3985% | 605 |
| Assets per employee ($millions) | 6.9195% | 1,975 |
| Cash dividends to net income (ytd only)* | 49.4020% | 1,545 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0504% | 3,572 |
| Loan loss allowance to noncurrent loans | 8,200.0000% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 4,096 |
| Noncurrent loans to loans | 0.0128% | 4,000 |
| Net loans and leases to total assets | 55.0539% | 2,726 |
| Net loans and leases to deposits | 59.9987% | 3,074 |
| Net loans and leases to core deposits | 60.4827% | 3,284 |
| Total domestic deposits to total assets | 91.7585% | 247 |
| Equity capital to assets | 7.6557% | 4,528 |
| Core capital (leverage) ratio | 7.8356% | 4,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9098% | 1,543 |
| Memoranda: |
| Average total assets | $481,085,200 | 1,742 |
| Average earning assets | $456,120,400 | 1,724 |
| Average equity | $39,191,200 | 2,108 |
| Average total loans | $282,346,200 | 1,780 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7665% | 4,339 |
| Cost of funding earning assets | 0.1147% | 4,389 |
| Net interest margin | 2.6519% | 4,055 |
| Noninterest income to average assets | 0.5953% | 2,234 |
| Noninterest expense to average assets | 2.5385% | 2,008 |
| Loan and lease loss provision to assets | 0.0101% | 2,790 |
| Net operating income to assets | 0.4842% | 4,237 |
| Return on assets (ROA) | 0.5074% | 4,230 |
| Pretax return on assets | 0.5852% | 4,254 |
| Return on Equity (ROE) | 6.1305% | 3,879 |
| Retained earnings to average equity (ytd only) | 3.3874% | 3,774 |
| Net charge-offs to loans | -0.0005% | 3,079 |
| Credit loss provision to net charge-offs | -3,600.0000% | 4,095 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6999% | 651 |
| Assets per employee ($millions) | 6.8355% | 1,993 |
| Cash dividends to net income (ytd only)* | 44.7456% | 1,412 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0390% | 3,711 |
| Loan loss allowance to noncurrent loans | 6,709.0909% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 4,183 |
| Noncurrent loans to loans | 0.0155% | 4,086 |
| Net loans and leases to total assets | 57.1315% | 2,597 |
| Net loans and leases to deposits | 63.4583% | 2,911 |
| Net loans and leases to core deposits | 63.9951% | 3,140 |
| Total domestic deposits to total assets | 90.0301% | 764 |
| Equity capital to assets | 7.9875% | 4,527 |
| Core capital (leverage) ratio | 8.1438% | 4,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8505% | 1,668 |
| Memoranda: |
| Average total assets | $475,074,750 | 1,781 |
| Average earning assets | $449,988,750 | 1,761 |
| Average equity | $39,321,250 | 2,132 |
| Average total loans | $282,671,750 | 1,813 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7905% | 4,354 |
| Cost of funding earning assets | 0.1273% | 4,371 |
| Net interest margin | 2.6632% | 4,051 |
| Noninterest income to average assets | 0.6004% | 2,216 |
| Noninterest expense to average assets | 2.5642% | 1,950 |
| Loan and lease loss provision to assets | 0.0153% | 2,642 |
| Net operating income to assets | 0.4721% | 4,277 |
| Return on assets (ROA) | 0.5062% | 4,255 |
| Pretax return on assets | 0.5829% | 4,265 |
| Return on Equity (ROE) | 6.0420% | 3,896 |
| Retained earnings to average equity (ytd only) | 3.2753% | 3,751 |
| Net charge-offs to loans | -0.0007% | 3,057 |
| Credit loss provision to net charge-offs | -3,600.0000% | 3,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1010% | 665 |
| Assets per employee ($millions) | 6.6551% | 2,054 |
| Cash dividends to net income (ytd only)* | 45.7912% | 1,377 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0353% | 3,696 |
| Loan loss allowance to noncurrent loans | 6,560.0000% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 4,245 |
| Noncurrent loans to loans | 0.0158% | 4,149 |
| Net loans and leases to total assets | 59.7195% | 2,458 |
| Net loans and leases to deposits | 66.6360% | 2,764 |
| Net loans and leases to core deposits | 67.2774% | 3,013 |
| Total domestic deposits to total assets | 89.6204% | 966 |
| Equity capital to assets | 8.3502% | 4,323 |
| Core capital (leverage) ratio | 8.1545% | 4,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9960% | 1,632 |
| Memoranda: |
| Average total assets | $469,380,000 | 1,787 |
| Average earning assets | $444,651,000 | 1,775 |
| Average equity | $39,324,667 | 2,124 |
| Average total loans | $282,185,667 | 1,823 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8399% | 4,327 |
| Cost of funding earning assets | 0.1426% | 4,357 |
| Net interest margin | 2.6973% | 3,975 |
| Noninterest income to average assets | 0.5053% | 2,585 |
| Noninterest expense to average assets | 2.5814% | 1,927 |
| Loan and lease loss provision to assets | 0.0308% | 2,372 |
| Net operating income to assets | 0.3934% | 4,368 |
| Return on assets (ROA) | 0.4626% | 4,288 |
| Pretax return on assets | 0.5276% | 4,302 |
| Return on Equity (ROE) | 5.5121% | 3,989 |
| Retained earnings to average equity (ytd only) | 2.6695% | 3,878 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3296% | 581 |
| Assets per employee ($millions) | 6.6387% | 2,065 |
| Cash dividends to net income (ytd only)* | 51.5712% | 1,072 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0553% | 3,627 |
| Loan loss allowance to noncurrent loans | 301.7382% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.2075% | 3,114 |
| Noncurrent loans to loans | 0.3497% | 2,834 |
| Net loans and leases to total assets | 58.7038% | 2,718 |
| Net loans and leases to deposits | 65.3106% | 2,995 |
| Net loans and leases to core deposits | 66.1576% | 3,229 |
| Total domestic deposits to total assets | 89.8841% | 874 |
| Equity capital to assets | 8.1361% | 4,409 |
| Core capital (leverage) ratio | 8.1593% | 4,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2394% | 1,496 |
| Memoranda: |
| Average total assets | $467,813,000 | 1,782 |
| Average earning assets | $443,260,000 | 1,766 |
| Average equity | $39,259,000 | 2,116 |
| Average total loans | $280,711,000 | 1,831 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0594% | 4,594 |
| Cost of funding earning assets | 0.3791% | 3,714 |
| Net interest margin | 2.6803% | 4,403 |
| Noninterest income to average assets | 0.7529% | 1,678 |
| Noninterest expense to average assets | 2.7243% | 2,161 |
| Loan and lease loss provision to assets | 0.0771% | 3,415 |
| Net operating income to assets | 0.4323% | 4,177 |
| Return on assets (ROA) | 0.4640% | 4,190 |
| Pretax return on assets | 0.5212% | 4,234 |
| Return on Equity (ROE) | 5.1746% | 3,858 |
| Retained earnings to average equity (ytd only) | 2.5886% | 3,551 |
| Net charge-offs to loans | -0.0004% | 3,897 |
| Credit loss provision to net charge-offs | -33,800.0000% | 4,494 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8801% | 701 |
| Assets per employee ($millions) | 6.3600% | 2,039 |
| Cash dividends to net income (ytd only)* | 49.9754% | 1,840 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0345% | 3,740 |
| Loan loss allowance to noncurrent loans | 273.4522% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.2296% | 3,138 |
| Noncurrent loans to loans | 0.3783% | 2,850 |
| Net loans and leases to total assets | 60.0625% | 2,853 |
| Net loans and leases to deposits | 67.3191% | 3,154 |
| Net loans and leases to core deposits | 68.3522% | 3,387 |
| Total domestic deposits to total assets | 89.2205% | 887 |
| Equity capital to assets | 8.6519% | 4,336 |
| Core capital (leverage) ratio | 8.2895% | 4,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2796% | 1,452 |
| Memoranda: |
| Average total assets | $438,578,200 | 1,736 |
| Average earning assets | $414,653,400 | 1,719 |
| Average equity | $39,326,600 | 2,040 |
| Average total loans | $282,213,600 | 1,762 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1183% | 4,653 |
| Cost of funding earning assets | 0.4295% | 3,646 |
| Net interest margin | 2.6888% | 4,482 |
| Noninterest income to average assets | 0.7127% | 1,756 |
| Noninterest expense to average assets | 2.7357% | 2,159 |
| Loan and lease loss provision to assets | 0.0426% | 3,824 |
| Net operating income to assets | 0.4209% | 4,217 |
| Return on assets (ROA) | 0.4637% | 4,205 |
| Pretax return on assets | 0.5223% | 4,240 |
| Return on Equity (ROE) | 5.1231% | 3,860 |
| Retained earnings to average equity (ytd only) | 2.5087% | 3,737 |
| Net charge-offs to loans | -0.0005% | 3,777 |
| Credit loss provision to net charge-offs | -13,800.0000% | 4,386 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1112% | 595 |
| Assets per employee ($millions) | 6.1805% | 2,108 |
| Cash dividends to net income (ytd only)* | 51.0313% | 1,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9440% | 3,915 |
| Loan loss allowance to noncurrent loans | 5,221.1538% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 4,442 |
| Noncurrent loans to loans | 0.0181% | 4,350 |
| Net loans and leases to total assets | 62.2925% | 2,970 |
| Net loans and leases to deposits | 70.9526% | 3,220 |
| Net loans and leases to core deposits | 72.9162% | 3,401 |
| Total domestic deposits to total assets | 87.7945% | 1,302 |
| Equity capital to assets | 8.7646% | 4,277 |
| Core capital (leverage) ratio | 8.5843% | 4,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1007% | 1,475 |
| Memoranda: |
| Average total assets | $432,152,750 | 1,733 |
| Average earning assets | $408,206,500 | 1,714 |
| Average equity | $39,116,000 | 2,042 |
| Average total loans | $282,323,750 | 1,754 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2043% | 4,715 |
| Cost of funding earning assets | 0.4994% | 3,535 |
| Net interest margin | 2.7049% | 4,548 |
| Noninterest income to average assets | 0.6820% | 1,802 |
| Noninterest expense to average assets | 2.7606% | 2,183 |
| Loan and lease loss provision to assets | 0.0477% | 3,704 |
| Net operating income to assets | 0.3786% | 4,274 |
| Return on assets (ROA) | 0.4441% | 4,203 |
| Pretax return on assets | 0.5012% | 4,249 |
| Return on Equity (ROE) | 4.8514% | 3,867 |
| Retained earnings to average equity (ytd only) | 2.1860% | 3,683 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3121% | 571 |
| Assets per employee ($millions) | 5.9806% | 2,198 |
| Cash dividends to net income (ytd only)* | 54.9416% | 1,391 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9080% | 3,966 |
| Loan loss allowance to noncurrent loans | 4,615.5172% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.0131% | 4,507 |
| Noncurrent loans to loans | 0.0197% | 4,419 |
| Net loans and leases to total assets | 66.0105% | 2,626 |
| Net loans and leases to deposits | 75.6824% | 2,909 |
| Net loans and leases to core deposits | 78.0708% | 3,099 |
| Total domestic deposits to total assets | 87.2204% | 1,539 |
| Equity capital to assets | 8.9894% | 4,100 |
| Core capital (leverage) ratio | 8.7131% | 4,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7190% | 1,565 |
| Memoranda: |
| Average total assets | $423,750,333 | 1,731 |
| Average earning assets | $400,082,667 | 1,712 |
| Average equity | $38,792,667 | 2,048 |
| Average total loans | $280,559,667 | 1,745 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3641% | 4,763 |
| Cost of funding earning assets | 0.6043% | 3,410 |
| Net interest margin | 2.7598% | 4,612 |
| Noninterest income to average assets | 0.5290% | 2,391 |
| Noninterest expense to average assets | 2.8682% | 2,220 |
| Loan and lease loss provision to assets | 0.0126% | 3,623 |
| Net operating income to assets | 0.2313% | 4,476 |
| Return on assets (ROA) | 0.3157% | 4,339 |
| Pretax return on assets | 0.3466% | 4,384 |
| Return on Equity (ROE) | 3.4154% | 4,112 |
| Retained earnings to average equity (ytd only) | 0.6267% | 3,836 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4998% | 447 |
| Assets per employee ($millions) | 5.6896% | 1,938 |
| Cash dividends to net income (ytd only)* | 81.6514% | 996 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9355% | 3,984 |
| Loan loss allowance to noncurrent loans | 4,463.7931% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0138% | 4,577 |
| Noncurrent loans to loans | 0.0210% | 4,489 |
| Net loans and leases to total assets | 65.1197% | 2,928 |
| Net loans and leases to deposits | 74.9984% | 3,170 |
| Net loans and leases to core deposits | 78.6606% | 3,303 |
| Total domestic deposits to total assets | 86.8282% | 1,635 |
| Equity capital to assets | 9.2880% | 4,403 |
| Core capital (leverage) ratio | 9.0166% | 4,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7229% | 1,681 |
| Memoranda: |
| Average total assets | $414,342,500 | 1,722 |
| Average earning assets | $391,192,000 | 1,697 |
| Average equity | $38,297,000 | 2,054 |
| Average total loans | $273,431,000 | 1,744 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5226% | 4,843 |
| Cost of funding earning assets | 0.5848% | 3,696 |
| Net interest margin | 2.9378% | 4,607 |
| Noninterest income to average assets | 0.5876% | 2,281 |
| Noninterest expense to average assets | 2.8031% | 2,590 |
| Loan and lease loss provision to assets | 0.0038% | 3,928 |
| Net operating income to assets | 0.4711% | 4,466 |
| Return on assets (ROA) | 0.4720% | 4,505 |
| Pretax return on assets | 0.5422% | 4,503 |
| Return on Equity (ROE) | 5.1561% | 4,166 |
| Retained earnings to average equity (ytd only) | 2.3698% | 3,837 |
| Net charge-offs to loans | 0.0008% | 3,700 |
| Credit loss provision to net charge-offs | 750.0000% | 427 |
| Earnings coverage of net charge-offs (x) | 1,086.5000% | 89 |
| Efficiency ratio | 83.7228% | 672 |
| Assets per employee ($millions) | 5.5843% | 1,992 |
| Cash dividends to net income (ytd only)* | 54.0383% | 1,837 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9537% | 3,728 |
| Loan loss allowance to noncurrent loans | 4,222.9508% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0150% | 4,587 |
| Noncurrent loans to loans | 0.0226% | 4,477 |
| Net loans and leases to total assets | 65.6249% | 2,997 |
| Net loans and leases to deposits | 75.8737% | 3,197 |
| Net loans and leases to core deposits | 79.6157% | 3,330 |
| Total domestic deposits to total assets | 86.4923% | 1,852 |
| Equity capital to assets | 9.1962% | 4,571 |
| Core capital (leverage) ratio | 9.1367% | 4,414 |
| Tier 1 risk-based capital ratio | 14.9799% | 2,787 |
| Total risk-based capital ratio | 16.0226% | 2,803 |
| Memoranda: |
| Average total assets | $398,734,600 | 1,746 |
| Average earning assets | $374,666,400 | 1,731 |
| Average equity | $36,500,400 | 2,074 |
| Average total loans | $258,003,400 | 1,788 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5112% | 4,954 |
| Cost of funding earning assets | 0.5687% | 3,825 |
| Net interest margin | 2.9425% | 4,705 |
| Noninterest income to average assets | 0.5747% | 2,333 |
| Noninterest expense to average assets | 2.7977% | 2,565 |
| Loan and lease loss provision to assets | 0.0050% | 3,776 |
| Net operating income to assets | 0.4646% | 4,595 |
| Return on assets (ROA) | 0.4657% | 4,628 |
| Pretax return on assets | 0.5343% | 4,645 |
| Return on Equity (ROE) | 5.0937% | 4,303 |
| Retained earnings to average equity (ytd only) | 2.2728% | 4,178 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8710% | 623 |
| Assets per employee ($millions) | 5.4509% | 2,075 |
| Cash dividends to net income (ytd only)* | 55.3790% | 1,450 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9753% | 3,706 |
| Loan loss allowance to noncurrent loans | 3,906.0606% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0164% | 4,668 |
| Noncurrent loans to loans | 0.0250% | 4,566 |
| Net loans and leases to total assets | 64.8911% | 3,195 |
| Net loans and leases to deposits | 75.9115% | 3,301 |
| Net loans and leases to core deposits | 79.2813% | 3,443 |
| Total domestic deposits to total assets | 85.4826% | 2,217 |
| Equity capital to assets | 9.2690% | 4,620 |
| Core capital (leverage) ratio | 9.2842% | 4,386 |
| Tier 1 risk-based capital ratio | 14.8894% | 2,906 |
| Total risk-based capital ratio | 15.9336% | 2,920 |
| Memoranda: |
| Average total assets | $396,504,250 | 1,765 |
| Average earning assets | $372,057,000 | 1,749 |
| Average equity | $36,253,250 | 2,094 |
| Average total loans | $254,979,250 | 1,813 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5003% | 5,009 |
| Cost of funding earning assets | 0.5409% | 3,932 |
| Net interest margin | 2.9594% | 4,746 |
| Noninterest income to average assets | 0.5373% | 2,459 |
| Noninterest expense to average assets | 2.8436% | 2,433 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4168% | 4,706 |
| Return on assets (ROA) | 0.4186% | 4,725 |
| Pretax return on assets | 0.4744% | 4,731 |
| Return on Equity (ROE) | 4.5993% | 4,444 |
| Retained earnings to average equity (ytd only) | 1.7171% | 4,200 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7558% | 560 |
| Assets per employee ($millions) | 5.4565% | 2,003 |
| Cash dividends to net income (ytd only)* | 62.6667% | 1,328 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9870% | 3,701 |
| Loan loss allowance to noncurrent loans | 3,825.3731% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.0171% | 4,702 |
| Noncurrent loans to loans | 0.0258% | 4,595 |
| Net loans and leases to total assets | 65.4439% | 3,174 |
| Net loans and leases to deposits | 75.5992% | 3,372 |
| Net loans and leases to core deposits | 78.2941% | 3,553 |
| Total domestic deposits to total assets | 86.5669% | 1,789 |
| Equity capital to assets | 9.3752% | 4,522 |
| Core capital (leverage) ratio | 9.2282% | 4,425 |
| Tier 1 risk-based capital ratio | 14.9173% | 2,882 |
| Total risk-based capital ratio | 15.9662% | 2,886 |
| Memoranda: |
| Average total assets | $394,217,330 | 1,785 |
| Average earning assets | $370,143,670 | 1,764 |
| Average equity | $35,875,000 | 2,104 |
| Average total loans | $251,863,670 | 1,833 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4613% | 5,073 |
| Cost of funding earning assets | 0.5147% | 3,998 |
| Net interest margin | 2.9466% | 4,828 |
| Noninterest income to average assets | 0.4538% | 2,835 |
| Noninterest expense to average assets | 2.8301% | 2,471 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3527% | 4,822 |
| Return on assets (ROA) | 0.3545% | 4,827 |
| Pretax return on assets | 0.3920% | 4,847 |
| Return on Equity (ROE) | 3.9552% | 4,584 |
| Retained earnings to average equity (ytd only) | 0.9379% | 4,322 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8893% | 487 |
| Assets per employee ($millions) | 5.3820% | 2,089 |
| Cash dividends to net income (ytd only)* | 76.2857% | 991 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0310% | 3,521 |
| Loan loss allowance to noncurrent loans | 3,883.3333% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0168% | 4,784 |
| Noncurrent loans to loans | 0.0265% | 4,665 |
| Net loans and leases to total assets | 62.6230% | 3,446 |
| Net loans and leases to deposits | 72.7192% | 3,552 |
| Net loans and leases to core deposits | 74.7158% | 3,752 |
| Total domestic deposits to total assets | 86.1162% | 2,224 |
| Equity capital to assets | 9.1196% | 4,602 |
| Core capital (leverage) ratio | 9.2024% | 4,469 |
| Tier 1 risk-based capital ratio | 15.3327% | 2,735 |
| Total risk-based capital ratio | 16.4175% | 2,719 |
| Memoranda: |
| Average total assets | $394,893,500 | 1,785 |
| Average earning assets | $370,730,500 | 1,766 |
| Average equity | $35,396,500 | 2,122 |
| Average total loans | $247,961,000 | 1,864 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2899% | 5,091 |
| Cost of funding earning assets | 0.3836% | 4,089 |
| Net interest margin | 2.9063% | 4,911 |
| Noninterest income to average assets | 0.5405% | 2,609 |
| Noninterest expense to average assets | 2.7370% | 2,906 |
| Loan and lease loss provision to assets | 0.0010% | 4,071 |
| Net operating income to assets | 0.4650% | 4,738 |
| Return on assets (ROA) | 0.4650% | 4,735 |
| Pretax return on assets | 0.5332% | 4,750 |
| Return on Equity (ROE) | 5.3956% | 4,355 |
| Retained earnings to average equity (ytd only) | 2.4472% | 4,166 |
| Net charge-offs to loans | -0.0016% | 4,216 |
| Credit loss provision to net charge-offs | -100.0000% | 4,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6692% | 674 |
| Assets per employee ($millions) | 5.5125% | 1,940 |
| Cash dividends to net income (ytd only)* | 54.6442% | 1,748 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0363% | 3,465 |
| Loan loss allowance to noncurrent loans | 3,714.4928% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0174% | 4,801 |
| Noncurrent loans to loans | 0.0279% | 4,644 |
| Net loans and leases to total assets | 61.6675% | 3,599 |
| Net loans and leases to deposits | 71.8749% | 3,682 |
| Net loans and leases to core deposits | 73.6424% | 3,879 |
| Total domestic deposits to total assets | 85.7984% | 2,327 |
| Equity capital to assets | 8.8091% | 4,729 |
| Core capital (leverage) ratio | 9.0359% | 4,621 |
| Tier 1 risk-based capital ratio | 15.5122% | 2,616 |
| Total risk-based capital ratio | 16.6122% | 2,595 |
| Memoranda: |
| Average total assets | $395,902,600 | 1,732 |
| Average earning assets | $371,991,000 | 1,714 |
| Average equity | $34,120,600 | 2,104 |
| Average total loans | $248,180,600 | 1,830 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2458% | 5,170 |
| Cost of funding earning assets | 0.3530% | 4,165 |
| Net interest margin | 2.8928% | 4,982 |
| Noninterest income to average assets | 0.5439% | 2,598 |
| Noninterest expense to average assets | 2.7542% | 2,799 |
| Loan and lease loss provision to assets | 0.0010% | 3,937 |
| Net operating income to assets | 0.4435% | 4,868 |
| Return on assets (ROA) | 0.4435% | 4,875 |
| Pretax return on assets | 0.5062% | 4,899 |
| Return on Equity (ROE) | 5.1743% | 4,507 |
| Retained earnings to average equity (ytd only) | 2.2019% | 4,506 |
| Net charge-offs to loans | -0.0016% | 4,067 |
| Credit loss provision to net charge-offs | -100.0000% | 4,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4493% | 618 |
| Assets per employee ($millions) | 5.2521% | 2,168 |
| Cash dividends to net income (ytd only)* | 57.4466% | 1,312 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0346% | 3,560 |
| Loan loss allowance to noncurrent loans | 3,880.3030% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.0168% | 4,912 |
| Noncurrent loans to loans | 0.0267% | 4,774 |
| Net loans and leases to total assets | 62.1925% | 3,637 |
| Net loans and leases to deposits | 71.9288% | 3,776 |
| Net loans and leases to core deposits | 73.7268% | 3,963 |
| Total domestic deposits to total assets | 86.4640% | 1,983 |
| Equity capital to assets | 8.5500% | 4,894 |
| Core capital (leverage) ratio | 8.9992% | 4,704 |
| Tier 1 risk-based capital ratio | 15.2231% | 2,773 |
| Total risk-based capital ratio | 16.3149% | 2,778 |
| Memoranda: |
| Average total assets | $395,653,750 | 1,735 |
| Average earning assets | $371,670,000 | 1,719 |
| Average equity | $33,910,000 | 2,120 |
| Average total loans | $248,395,750 | 1,835 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1761% | 5,248 |
| Cost of funding earning assets | 0.3254% | 4,235 |
| Net interest margin | 2.8507% | 5,071 |
| Noninterest income to average assets | 0.5249% | 2,725 |
| Noninterest expense to average assets | 2.7494% | 2,846 |
| Loan and lease loss provision to assets | 0.0010% | 3,776 |
| Net operating income to assets | 0.4053% | 4,948 |
| Return on assets (ROA) | 0.4053% | 4,953 |
| Pretax return on assets | 0.4588% | 4,973 |
| Return on Equity (ROE) | 4.7253% | 4,626 |
| Retained earnings to average equity (ytd only) | 1.7477% | 4,546 |
| Net charge-offs to loans | -0.0016% | 3,925 |
| Credit loss provision to net charge-offs | -100.0000% | 4,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6716% | 586 |
| Assets per employee ($millions) | 5.2972% | 2,109 |
| Cash dividends to net income (ytd only)* | 63.0137% | 1,216 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0081% | 3,783 |
| Loan loss allowance to noncurrent loans | 3,763.2353% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0171% | 4,947 |
| Noncurrent loans to loans | 0.0268% | 4,804 |
| Net loans and leases to total assets | 63.2474% | 3,485 |
| Net loans and leases to deposits | 73.1156% | 3,613 |
| Net loans and leases to core deposits | 74.6435% | 3,831 |
| Total domestic deposits to total assets | 86.5034% | 2,051 |
| Equity capital to assets | 8.4870% | 4,953 |
| Core capital (leverage) ratio | 8.9787% | 4,709 |
| Tier 1 risk-based capital ratio | 14.9002% | 2,921 |
| Total risk-based capital ratio | 15.9763% | 2,935 |
| Memoranda: |
| Average total assets | $396,236,330 | 1,747 |
| Average earning assets | $373,102,000 | 1,712 |
| Average equity | $33,987,000 | 2,123 |
| Average total loans | $248,680,670 | 1,843 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0817% | 5,326 |
| Cost of funding earning assets | 0.3089% | 4,278 |
| Net interest margin | 2.7728% | 5,187 |
| Noninterest income to average assets | 0.5014% | 2,789 |
| Noninterest expense to average assets | 2.6990% | 3,045 |
| Loan and lease loss provision to assets | 0.0010% | 3,502 |
| Net operating income to assets | 0.3710% | 4,984 |
| Return on assets (ROA) | 0.3710% | 4,990 |
| Pretax return on assets | 0.4144% | 5,017 |
| Return on Equity (ROE) | 4.3023% | 4,683 |
| Retained earnings to average equity (ytd only) | 1.3012% | 4,544 |
| Net charge-offs to loans | -0.0016% | 3,791 |
| Credit loss provision to net charge-offs | -100.0000% | 3,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6602% | 598 |
| Assets per employee ($millions) | 5.4049% | 2,028 |
| Cash dividends to net income (ytd only)* | 69.7548% | 1,035 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0384% | 3,740 |
| Loan loss allowance to noncurrent loans | 2,749.4624% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 4,997 |
| Noncurrent loans to loans | 0.0378% | 4,802 |
| Net loans and leases to total assets | 60.9285% | 3,657 |
| Net loans and leases to deposits | 70.2292% | 3,775 |
| Net loans and leases to core deposits | 71.7000% | 3,986 |
| Total domestic deposits to total assets | 86.7566% | 2,219 |
| Equity capital to assets | 8.4249% | 5,031 |
| Core capital (leverage) ratio | 9.0288% | 4,652 |
| Tier 1 risk-based capital ratio | 15.1580% | 2,800 |
| Total risk-based capital ratio | 16.2581% | 2,789 |
| Memoranda: |
| Average total assets | $395,708,500 | 1,758 |
| Average earning assets | $372,905,500 | 1,727 |
| Average equity | $34,121,500 | 2,137 |
| Average total loans | $246,103,000 | 1,872 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1011% | 5,290 |
| Cost of funding earning assets | 0.2730% | 4,377 |
| Net interest margin | 2.8281% | 5,133 |
| Noninterest income to average assets | 0.4993% | 3,004 |
| Noninterest expense to average assets | 2.6455% | 3,297 |
| Loan and lease loss provision to assets | 0.0260% | 3,773 |
| Net operating income to assets | 0.2738% | 4,977 |
| Return on assets (ROA) | 0.2756% | 4,992 |
| Pretax return on assets | 0.4835% | 4,948 |
| Return on Equity (ROE) | 3.0563% | 4,812 |
| Retained earnings to average equity (ytd only) | 0.1502% | 4,951 |
| Net charge-offs to loans | -0.0016% | 4,520 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,181 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9269% | 775 |
| Assets per employee ($millions) | 5.2194% | 2,236 |
| Cash dividends to net income (ytd only)* | 95.0851% | 449 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0388% | 3,691 |
| Loan loss allowance to noncurrent loans | 2,504.9020% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.0261% | 5,025 |
| Noncurrent loans to loans | 0.0415% | 4,817 |
| Net loans and leases to total assets | 62.1791% | 3,594 |
| Net loans and leases to deposits | 72.2652% | 3,677 |
| Net loans and leases to core deposits | 73.8399% | 3,890 |
| Total domestic deposits to total assets | 86.0429% | 2,413 |
| Equity capital to assets | 8.8252% | 4,876 |
| Core capital (leverage) ratio | 8.9777% | 4,672 |
| Tier 1 risk-based capital ratio | 15.1521% | 2,768 |
| Total risk-based capital ratio | 16.2587% | 2,776 |
| Memoranda: |
| Average total assets | $383,903,600 | 1,775 |
| Average earning assets | $360,096,400 | 1,751 |
| Average equity | $34,617,400 | 2,104 |
| Average total loans | $244,895,000 | 1,850 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0850% | 5,351 |
| Cost of funding earning assets | 0.2589% | 4,493 |
| Net interest margin | 2.8261% | 5,185 |
| Noninterest income to average assets | 0.5033% | 3,013 |
| Noninterest expense to average assets | 2.6853% | 3,106 |
| Loan and lease loss provision to assets | 0.0346% | 3,426 |
| Net operating income to assets | 0.3463% | 5,123 |
| Return on assets (ROA) | 0.3494% | 5,134 |
| Pretax return on assets | 0.4352% | 5,132 |
| Return on Equity (ROE) | 3.8534% | 4,901 |
| Retained earnings to average equity (ytd only) | 0.9431% | 4,994 |
| Net charge-offs to loans | -0.0016% | 4,302 |
| Credit loss provision to net charge-offs | -3,300.0000% | 5,140 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2143% | 672 |
| Assets per employee ($millions) | 5.1586% | 2,274 |
| Cash dividends to net income (ytd only)* | 75.5243% | 772 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0064% | 4,016 |
| Loan loss allowance to noncurrent loans | 1,585.7143% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.0411% | 5,030 |
| Noncurrent loans to loans | 0.0635% | 4,825 |
| Net loans and leases to total assets | 64.0519% | 3,391 |
| Net loans and leases to deposits | 74.6214% | 3,508 |
| Net loans and leases to core deposits | 76.1863% | 3,789 |
| Total domestic deposits to total assets | 85.8358% | 2,376 |
| Equity capital to assets | 8.9264% | 4,974 |
| Core capital (leverage) ratio | 9.0393% | 4,699 |
| Tier 1 risk-based capital ratio | 14.8109% | 3,011 |
| Total risk-based capital ratio | 15.8869% | 3,027 |
| Memoranda: |
| Average total assets | $382,015,000 | 1,799 |
| Average earning assets | $357,938,750 | 1,777 |
| Average equity | $34,635,000 | 2,115 |
| Average total loans | $244,628,750 | 1,856 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0549% | 5,392 |
| Cost of funding earning assets | 0.2430% | 4,611 |
| Net interest margin | 2.8119% | 5,222 |
| Noninterest income to average assets | 0.4717% | 3,210 |
| Noninterest expense to average assets | 2.7100% | 3,062 |
| Loan and lease loss provision to assets | 0.0386% | 3,241 |
| Net operating income to assets | 0.2962% | 5,232 |
| Return on assets (ROA) | 0.3011% | 5,237 |
| Pretax return on assets | 0.3634% | 5,248 |
| Return on Equity (ROE) | 3.3029% | 5,038 |
| Retained earnings to average equity (ytd only) | 0.3709% | 5,003 |
| Net charge-offs to loans | -0.0017% | 4,167 |
| Credit loss provision to net charge-offs | -3,650.0000% | 5,039 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2471% | 592 |
| Assets per employee ($millions) | 5.2137% | 2,141 |
| Cash dividends to net income (ytd only)* | 88.7719% | 648 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0056% | 4,110 |
| Loan loss allowance to noncurrent loans | 2,037.0968% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.0321% | 5,137 |
| Noncurrent loans to loans | 0.0494% | 4,945 |
| Net loans and leases to total assets | 64.4518% | 3,321 |
| Net loans and leases to deposits | 77.4533% | 3,165 |
| Net loans and leases to core deposits | 78.6437% | 3,536 |
| Total domestic deposits to total assets | 83.2138% | 3,499 |
| Equity capital to assets | 9.0079% | 4,892 |
| Core capital (leverage) ratio | 9.0787% | 4,635 |
| Tier 1 risk-based capital ratio | 14.6351% | 3,094 |
| Total risk-based capital ratio | 15.6929% | 3,124 |
| Memoranda: |
| Average total assets | $378,669,670 | 1,809 |
| Average earning assets | $354,780,000 | 1,790 |
| Average equity | $34,514,670 | 2,108 |
| Average total loans | $241,615,330 | 1,873 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0077% | 5,451 |
| Cost of funding earning assets | 0.2222% | 4,781 |
| Net interest margin | 2.7856% | 5,276 |
| Noninterest income to average assets | 0.4436% | 3,347 |
| Noninterest expense to average assets | 2.7214% | 3,062 |
| Loan and lease loss provision to assets | 0.0032% | 3,515 |
| Net operating income to assets | 0.2797% | 5,246 |
| Return on assets (ROA) | 0.2879% | 5,239 |
| Pretax return on assets | 0.3359% | 5,259 |
| Return on Equity (ROE) | 3.1400% | 5,056 |
| Retained earnings to average equity (ytd only) | 0.1628% | 4,879 |
| Net charge-offs to loans | -0.0017% | 3,997 |
| Credit loss provision to net charge-offs | -300.0000% | 4,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1996% | 597 |
| Assets per employee ($millions) | 5.1852% | 2,201 |
| Cash dividends to net income (ytd only)* | 94.8148% | 767 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0257% | 4,126 |
| Loan loss allowance to noncurrent loans | 1,278.6458% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.0507% | 5,098 |
| Noncurrent loans to loans | 0.0802% | 4,873 |
| Net loans and leases to total assets | 62.5851% | 3,454 |
| Net loans and leases to deposits | 75.6267% | 3,242 |
| Net loans and leases to core deposits | 76.7157% | 3,587 |
| Total domestic deposits to total assets | 82.7553% | 3,927 |
| Equity capital to assets | 9.1057% | 4,705 |
| Core capital (leverage) ratio | 9.3354% | 4,296 |
| Tier 1 risk-based capital ratio | 15.1769% | 2,889 |
| Total risk-based capital ratio | 16.2452% | 2,894 |
| Memoranda: |
| Average total assets | $375,096,000 | 1,833 |
| Average earning assets | $351,095,000 | 1,820 |
| Average equity | $34,395,000 | 2,120 |
| Average total loans | $236,827,000 | 1,916 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9814% | 5,516 |
| Cost of funding earning assets | 0.1775% | 5,235 |
| Net interest margin | 2.8039% | 5,278 |
| Noninterest income to average assets | 0.5866% | 2,732 |
| Noninterest expense to average assets | 2.7789% | 3,096 |
| Loan and lease loss provision to assets | 0.0194% | 3,989 |
| Net operating income to assets | 0.3078% | 5,202 |
| Return on assets (ROA) | 0.3675% | 5,121 |
| Pretax return on assets | 0.4888% | 5,044 |
| Return on Equity (ROE) | 3.8410% | 4,889 |
| Retained earnings to average equity (ytd only) | 0.9617% | 4,940 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6376% | 776 |
| Assets per employee ($millions) | 4.9556% | 2,439 |
| Cash dividends to net income (ytd only)* | 74.9627% | 1,094 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0461% | 4,033 |
| Loan loss allowance to noncurrent loans | 1,485.4545% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.0444% | 5,166 |
| Noncurrent loans to loans | 0.0704% | 4,957 |
| Net loans and leases to total assets | 62.3805% | 3,562 |
| Net loans and leases to deposits | 75.7681% | 3,340 |
| Net loans and leases to core deposits | 76.6932% | 3,687 |
| Total domestic deposits to total assets | 82.3308% | 3,981 |
| Equity capital to assets | 9.2348% | 4,532 |
| Core capital (leverage) ratio | 9.5086% | 4,071 |
| Tier 1 risk-based capital ratio | 14.7002% | 3,103 |
| Total risk-based capital ratio | 15.7341% | 3,133 |
| Memoranda: |
| Average total assets | $365,145,000 | 1,830 |
| Average earning assets | $341,312,600 | 1,819 |
| Average equity | $34,938,800 | 2,081 |
| Average total loans | $227,215,400 | 1,931 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9784% | 5,590 |
| Cost of funding earning assets | 0.1711% | 5,340 |
| Net interest margin | 2.8074% | 5,348 |
| Noninterest income to average assets | 0.5766% | 2,782 |
| Noninterest expense to average assets | 2.8293% | 2,908 |
| Loan and lease loss provision to assets | 0.0051% | 4,129 |
| Net operating income to assets | 0.2769% | 5,328 |
| Return on assets (ROA) | 0.3580% | 5,230 |
| Pretax return on assets | 0.4731% | 5,185 |
| Return on Equity (ROE) | 3.7082% | 5,026 |
| Retained earnings to average equity (ytd only) | 0.8359% | 5,134 |
| Net charge-offs to loans | 0.0012% | 3,910 |
| Credit loss provision to net charge-offs | 700.0000% | 561 |
| Earnings coverage of net charge-offs (x) | 505.8539% | 177 |
| Efficiency ratio | 88.3923% | 654 |
| Assets per employee ($millions) | 4.9409% | 2,438 |
| Cash dividends to net income (ytd only)* | 77.4587% | 805 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0534% | 4,101 |
| Loan loss allowance to noncurrent loans | 1,307.1038% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 5,262 |
| Noncurrent loans to loans | 0.0806% | 5,029 |
| Net loans and leases to total assets | 60.6328% | 3,798 |
| Net loans and leases to deposits | 71.9590% | 3,808 |
| Net loans and leases to core deposits | 72.8181% | 4,099 |
| Total domestic deposits to total assets | 84.2603% | 3,118 |
| Equity capital to assets | 9.5479% | 4,613 |
| Core capital (leverage) ratio | 9.4522% | 4,246 |
| Tier 1 risk-based capital ratio | 14.8826% | 3,105 |
| Total risk-based capital ratio | 15.9109% | 3,147 |
| Memoranda: |
| Average total assets | $363,514,000 | 1,845 |
| Average earning assets | $339,812,250 | 1,833 |
| Average equity | $35,092,750 | 2,083 |
| Average total loans | $225,444,250 | 1,945 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0074% | 5,637 |
| Cost of funding earning assets | 0.1684% | 5,427 |
| Net interest margin | 2.8390% | 5,364 |
| Noninterest income to average assets | 0.5615% | 2,841 |
| Noninterest expense to average assets | 2.8569% | 2,819 |
| Loan and lease loss provision to assets | 0.0072% | 3,925 |
| Net operating income to assets | 0.2703% | 5,393 |
| Return on assets (ROA) | 0.3156% | 5,364 |
| Pretax return on assets | 0.4070% | 5,331 |
| Return on Equity (ROE) | 3.2575% | 5,173 |
| Retained earnings to average equity (ytd only) | 0.3657% | 5,196 |
| Net charge-offs to loans | 0.0027% | 3,612 |
| Credit loss provision to net charge-offs | 433.3333% | 732 |
| Earnings coverage of net charge-offs (x) | 214.3333% | 305 |
| Efficiency ratio | 88.9176% | 664 |
| Assets per employee ($millions) | 4.9375% | 2,372 |
| Cash dividends to net income (ytd only)* | 88.7719% | 710 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0635% | 4,149 |
| Loan loss allowance to noncurrent loans | 1,057.5221% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.0610% | 5,313 |
| Noncurrent loans to loans | 0.1006% | 5,052 |
| Net loans and leases to total assets | 60.0410% | 3,882 |
| Net loans and leases to deposits | 73.5500% | 3,648 |
| Net loans and leases to core deposits | 74.4557% | 3,946 |
| Total domestic deposits to total assets | 81.6330% | 4,108 |
| Equity capital to assets | 9.5836% | 4,688 |
| Core capital (leverage) ratio | 9.4581% | 4,256 |
| Tier 1 risk-based capital ratio | 14.1479% | 3,525 |
| Total risk-based capital ratio | 15.1295% | 3,594 |
| Memoranda: |
| Average total assets | $361,163,670 | 1,855 |
| Average earning assets | $337,301,670 | 1,845 |
| Average equity | $34,996,670 | 2,086 |
| Average total loans | $224,900,330 | 1,954 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0366% | 5,660 |
| Cost of funding earning assets | 0.1630% | 5,527 |
| Net interest margin | 2.8736% | 5,362 |
| Noninterest income to average assets | 0.5126% | 3,035 |
| Noninterest expense to average assets | 2.9401% | 2,571 |
| Loan and lease loss provision to assets | 0.0101% | 3,561 |
| Net operating income to assets | 0.1997% | 5,527 |
| Return on assets (ROA) | 0.2928% | 5,406 |
| Pretax return on assets | 0.3691% | 5,363 |
| Return on Equity (ROE) | 3.0043% | 5,235 |
| Retained earnings to average equity (ytd only) | 0.0576% | 5,090 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8360% | 561 |
| Assets per employee ($millions) | 4.5097% | 3,055 |
| Cash dividends to net income (ytd only)* | 98.0843% | 731 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0590% | 4,289 |
| Loan loss allowance to noncurrent loans | 193.5981% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.3464% | 4,175 |
| Noncurrent loans to loans | 0.5470% | 3,545 |
| Net loans and leases to total assets | 62.6481% | 3,437 |
| Net loans and leases to deposits | 75.6446% | 3,260 |
| Net loans and leases to core deposits | 76.4667% | 3,639 |
| Total domestic deposits to total assets | 82.8190% | 3,961 |
| Equity capital to assets | 9.8536% | 4,268 |
| Core capital (leverage) ratio | 9.6283% | 4,002 |
| Tier 1 risk-based capital ratio | 14.0876% | 3,627 |
| Total risk-based capital ratio | 15.0662% | 3,741 |
| Memoranda: |
| Average total assets | $356,590,500 | 1,879 |
| Average earning assets | $333,658,500 | 1,863 |
| Average equity | $34,750,500 | 2,101 |
| Average total loans | $224,986,500 | 1,950 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9802% | 5,744 |
| Cost of funding earning assets | 0.1358% | 5,781 |
| Net interest margin | 2.8444% | 5,436 |
| Noninterest income to average assets | 0.6446% | 2,492 |
| Noninterest expense to average assets | 3.0197% | 2,477 |
| Loan and lease loss provision to assets | 0.0462% | 3,402 |
| Net operating income to assets | 0.2237% | 5,527 |
| Return on assets (ROA) | 0.2889% | 5,474 |
| Pretax return on assets | 0.3235% | 5,472 |
| Return on Equity (ROE) | 2.9996% | 5,303 |
| Retained earnings to average equity (ytd only) | 0.1121% | 5,462 |
| Net charge-offs to loans | -0.0659% | 5,647 |
| Credit loss provision to net charge-offs | -120.1439% | 5,179 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0616% | 626 |
| Assets per employee ($millions) | 4.4064% | 3,204 |
| Cash dividends to net income (ytd only)* | 96.2644% | 470 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0607% | 4,257 |
| Loan loss allowance to noncurrent loans | 123.0610% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 0.5419% | 3,478 |
| Noncurrent loans to loans | 0.8619% | 2,627 |
| Net loans and leases to total assets | 62.2025% | 3,531 |
| Net loans and leases to deposits | 74.9436% | 3,386 |
| Net loans and leases to core deposits | 75.6856% | 3,781 |
| Total domestic deposits to total assets | 82.9990% | 3,831 |
| Equity capital to assets | 9.6370% | 4,390 |
| Core capital (leverage) ratio | 9.5872% | 4,059 |
| Tier 1 risk-based capital ratio | 14.0481% | 3,688 |
| Total risk-based capital ratio | 15.0204% | 3,776 |
| Memoranda: |
| Average total assets | $361,325,600 | 1,813 |
| Average earning assets | $339,371,000 | 1,787 |
| Average equity | $34,805,000 | 2,046 |
| Average total loans | $210,929,200 | 1,989 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9716% | 5,831 |
| Cost of funding earning assets | 0.1322% | 5,901 |
| Net interest margin | 2.8394% | 5,514 |
| Noninterest income to average assets | 0.6725% | 2,372 |
| Noninterest expense to average assets | 3.0505% | 2,363 |
| Loan and lease loss provision to assets | 0.0445% | 3,323 |
| Net operating income to assets | 0.2292% | 5,619 |
| Return on assets (ROA) | 0.2880% | 5,564 |
| Pretax return on assets | 0.3120% | 5,625 |
| Return on Equity (ROE) | 2.9907% | 5,395 |
| Retained earnings to average equity (ytd only) | 0.1452% | 5,564 |
| Net charge-offs to loans | -0.0893% | 5,743 |
| Credit loss provision to net charge-offs | -87.0504% | 5,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2512% | 613 |
| Assets per employee ($millions) | 4.3308% | 3,274 |
| Cash dividends to net income (ytd only)* | 95.1474% | 441 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0550% | 4,445 |
| Loan loss allowance to noncurrent loans | 750.1608% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.0855% | 5,409 |
| Noncurrent loans to loans | 0.1406% | 5,069 |
| Net loans and leases to total assets | 60.1458% | 3,865 |
| Net loans and leases to deposits | 72.0030% | 3,769 |
| Net loans and leases to core deposits | 72.7962% | 4,116 |
| Total domestic deposits to total assets | 83.5323% | 3,600 |
| Equity capital to assets | 9.6440% | 4,585 |
| Core capital (leverage) ratio | 9.5714% | 4,208 |
| Tier 1 risk-based capital ratio | 14.1335% | 3,774 |
| Total risk-based capital ratio | 15.0854% | 3,890 |
| Memoranda: |
| Average total assets | $362,428,250 | 1,817 |
| Average earning assets | $340,859,500 | 1,796 |
| Average equity | $34,907,250 | 2,059 |
| Average total loans | $207,564,000 | 2,021 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9549% | 5,897 |
| Cost of funding earning assets | 0.1306% | 5,984 |
| Net interest margin | 2.8243% | 5,563 |
| Noninterest income to average assets | 0.6768% | 2,314 |
| Noninterest expense to average assets | 3.0693% | 2,337 |
| Loan and lease loss provision to assets | 0.0370% | 3,380 |
| Net operating income to assets | 0.2272% | 5,632 |
| Return on assets (ROA) | 0.2829% | 5,578 |
| Pretax return on assets | 0.2923% | 5,674 |
| Return on Equity (ROE) | 2.9384% | 5,420 |
| Retained earnings to average equity (ytd only) | 0.0402% | 5,489 |
| Net charge-offs to loans | -0.1359% | 5,899 |
| Credit loss provision to net charge-offs | -48.5507% | 4,813 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8637% | 649 |
| Assets per employee ($millions) | 4.2890% | 3,324 |
| Cash dividends to net income (ytd only)* | 98.6328% | 541 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0626% | 4,523 |
| Loan loss allowance to noncurrent loans | 561.3300% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.1127% | 5,408 |
| Noncurrent loans to loans | 0.1893% | 5,021 |
| Net loans and leases to total assets | 58.8985% | 3,993 |
| Net loans and leases to deposits | 70.0130% | 3,931 |
| Net loans and leases to core deposits | 70.7851% | 4,248 |
| Total domestic deposits to total assets | 84.1251% | 3,511 |
| Equity capital to assets | 9.6221% | 4,505 |
| Core capital (leverage) ratio | 9.5881% | 4,151 |
| Tier 1 risk-based capital ratio | 14.3290% | 3,740 |
| Total risk-based capital ratio | 15.2726% | 3,849 |
| Memoranda: |
| Average total assets | $361,974,000 | 1,830 |
| Average earning assets | $341,464,330 | 1,794 |
| Average equity | $34,848,330 | 2,067 |
| Average total loans | $203,039,330 | 2,062 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8938% | 5,996 |
| Cost of funding earning assets | 0.1318% | 6,050 |
| Net interest margin | 2.7620% | 5,717 |
| Noninterest income to average assets | 0.7298% | 2,025 |
| Noninterest expense to average assets | 3.0814% | 2,333 |
| Loan and lease loss provision to assets | 0.0507% | 2,919 |
| Net operating income to assets | 0.2095% | 5,662 |
| Return on assets (ROA) | 0.2877% | 5,549 |
| Pretax return on assets | 0.2866% | 5,674 |
| Return on Equity (ROE) | 2.9880% | 5,383 |
| Retained earnings to average equity (ytd only) | -0.0458% | 5,384 |
| Net charge-offs to loans | -0.0020% | 4,351 |
| Credit loss provision to net charge-offs | -4,600.0000% | 5,256 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2442% | 693 |
| Assets per employee ($millions) | 4.4421% | 3,149 |
| Cash dividends to net income (ytd only)* | 101.5326% | 665 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0663% | 4,679 |
| Loan loss allowance to noncurrent loans | 303.4335% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.1919% | 5,186 |
| Noncurrent loans to loans | 0.3514% | 4,538 |
| Net loans and leases to total assets | 54.0276% | 4,442 |
| Net loans and leases to deposits | 64.4538% | 4,323 |
| Net loans and leases to core deposits | 64.8793% | 4,616 |
| Total domestic deposits to total assets | 83.8237% | 3,882 |
| Equity capital to assets | 9.6656% | 4,558 |
| Core capital (leverage) ratio | 9.5933% | 4,158 |
| Tier 1 risk-based capital ratio | 14.3878% | 3,782 |
| Total risk-based capital ratio | 15.2701% | 3,923 |
| Memoranda: |
| Average total assets | $362,824,000 | 1,829 |
| Average earning assets | $342,945,000 | 1,786 |
| Average equity | $34,939,500 | 2,070 |
| Average total loans | $197,321,500 | 2,112 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0825% | 5,977 |
| Cost of funding earning assets | 0.1424% | 6,143 |
| Net interest margin | 2.9401% | 5,569 |
| Noninterest income to average assets | 0.6929% | 2,335 |
| Noninterest expense to average assets | 3.1536% | 2,347 |
| Loan and lease loss provision to assets | 0.0300% | 4,010 |
| Net operating income to assets | 0.2637% | 5,611 |
| Return on assets (ROA) | 0.3432% | 5,467 |
| Pretax return on assets | 0.3489% | 5,601 |
| Return on Equity (ROE) | 3.5451% | 5,280 |
| Retained earnings to average equity (ytd only) | 0.5663% | 5,515 |
| Net charge-offs to loans | -0.0317% | 5,803 |
| Credit loss provision to net charge-offs | -187.5000% | 5,614 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3723% | 754 |
| Assets per employee ($millions) | 4.4073% | 3,178 |
| Cash dividends to net income (ytd only)* | 84.0266% | 769 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0596% | 4,766 |
| Loan loss allowance to noncurrent loans | 267.2680% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.2147% | 5,168 |
| Noncurrent loans to loans | 0.3965% | 4,455 |
| Net loans and leases to total assets | 53.5843% | 4,626 |
| Net loans and leases to deposits | 64.4610% | 4,481 |
| Net loans and leases to core deposits | 65.0019% | 4,756 |
| Total domestic deposits to total assets | 83.1267% | 4,033 |
| Equity capital to assets | 9.5938% | 4,597 |
| Core capital (leverage) ratio | 9.6937% | 3,977 |
| Tier 1 risk-based capital ratio | 15.7784% | 3,078 |
| Total risk-based capital ratio | 16.7246% | 3,175 |
| Memoranda: |
| Average total assets | $350,262,000 | 1,855 |
| Average earning assets | $328,628,000 | 1,830 |
| Average equity | $33,905,800 | 2,059 |
| Average total loans | $176,922,800 | 2,260 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0589% | 6,079 |
| Cost of funding earning assets | 0.1446% | 6,217 |
| Net interest margin | 2.9143% | 5,673 |
| Noninterest income to average assets | 0.7310% | 2,179 |
| Noninterest expense to average assets | 3.2224% | 2,114 |
| Loan and lease loss provision to assets | 0.0230% | 3,947 |
| Net operating income to assets | 0.2114% | 5,832 |
| Return on assets (ROA) | 0.3192% | 5,605 |
| Pretax return on assets | 0.3239% | 5,728 |
| Return on Equity (ROE) | 3.2903% | 5,434 |
| Retained earnings to average equity (ytd only) | 0.2452% | 5,733 |
| Net charge-offs to loans | -0.0434% | 5,855 |
| Credit loss provision to net charge-offs | -107.1429% | 5,467 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1249% | 638 |
| Assets per employee ($millions) | 3.9204% | 4,040 |
| Cash dividends to net income (ytd only)* | 92.5476% | 470 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0914% | 4,785 |
| Loan loss allowance to noncurrent loans | 164.2915% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.3500% | 4,873 |
| Noncurrent loans to loans | 0.6643% | 3,949 |
| Net loans and leases to total assets | 52.1139% | 4,794 |
| Net loans and leases to deposits | 61.1641% | 4,830 |
| Net loans and leases to core deposits | 61.7346% | 5,054 |
| Total domestic deposits to total assets | 85.2034% | 3,261 |
| Equity capital to assets | 9.6362% | 4,626 |
| Core capital (leverage) ratio | 9.8317% | 3,902 |
| Tier 1 risk-based capital ratio | 15.9957% | 3,059 |
| Total risk-based capital ratio | 16.9377% | 3,162 |
| Memoranda: |
| Average total assets | $347,477,750 | 1,881 |
| Average earning assets | $325,426,000 | 1,854 |
| Average equity | $33,714,250 | 2,070 |
| Average total loans | $172,221,750 | 2,318 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0975% | 6,066 |
| Cost of funding earning assets | 0.1444% | 6,299 |
| Net interest margin | 2.9530% | 5,629 |
| Noninterest income to average assets | 0.5641% | 3,021 |
| Noninterest expense to average assets | 3.2214% | 2,125 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1464% | 5,958 |
| Return on assets (ROA) | 0.3107% | 5,605 |
| Pretax return on assets | 0.2748% | 5,829 |
| Return on Equity (ROE) | 3.1946% | 5,460 |
| Retained earnings to average equity (ytd only) | 0.3391% | 5,596 |
| Net charge-offs to loans | -0.0656% | 5,989 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6835% | 526 |
| Assets per employee ($millions) | 3.8455% | 4,170 |
| Cash dividends to net income (ytd only)* | 89.3855% | 699 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1197% | 4,814 |
| Loan loss allowance to noncurrent loans | 145.3471% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 0.3912% | 4,840 |
| Noncurrent loans to loans | 0.7704% | 3,781 |
| Net loans and leases to total assets | 50.2155% | 4,939 |
| Net loans and leases to deposits | 58.3266% | 5,010 |
| Net loans and leases to core deposits | 58.8743% | 5,211 |
| Total domestic deposits to total assets | 86.0937% | 2,998 |
| Equity capital to assets | 9.8860% | 4,260 |
| Core capital (leverage) ratio | 9.9787% | 3,647 |
| Tier 1 risk-based capital ratio | 16.8308% | 2,695 |
| Total risk-based capital ratio | 17.7924% | 2,774 |
| Memoranda: |
| Average total assets | $345,691,330 | 1,889 |
| Average earning assets | $324,006,670 | 1,855 |
| Average equity | $33,619,000 | 2,062 |
| Average total loans | $167,660,330 | 2,362 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8514% | 6,360 |
| Cost of funding earning assets | 0.1446% | 6,383 |
| Net interest margin | 2.7068% | 6,102 |
| Noninterest income to average assets | 0.5395% | 3,113 |
| Noninterest expense to average assets | 3.1932% | 2,260 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.0417% | 6,243 |
| Return on assets (ROA) | 0.2848% | 5,593 |
| Pretax return on assets | 0.2084% | 5,908 |
| Return on Equity (ROE) | 2.9531% | 5,476 |
| Retained earnings to average equity (ytd only) | 0.0720% | 5,528 |
| Net charge-offs to loans | -0.1296% | 6,225 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.8404% | 378 |
| Assets per employee ($millions) | 3.8276% | 4,273 |
| Cash dividends to net income (ytd only)* | 97.5610% | 717 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2229% | 4,534 |
| Loan loss allowance to noncurrent loans | 136.8128% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 0.4171% | 4,887 |
| Noncurrent loans to loans | 0.8939% | 3,649 |
| Net loans and leases to total assets | 46.0967% | 5,326 |
| Net loans and leases to deposits | 52.8181% | 5,398 |
| Net loans and leases to core deposits | 53.2639% | 5,550 |
| Total domestic deposits to total assets | 87.2745% | 2,651 |
| Equity capital to assets | 9.7088% | 4,215 |
| Core capital (leverage) ratio | 10.0179% | 3,553 |
| Tier 1 risk-based capital ratio | 17.9721% | 2,308 |
| Total risk-based capital ratio | 18.9995% | 2,360 |
| Memoranda: |
| Average total assets | $345,489,000 | 1,901 |
| Average earning assets | $323,628,500 | 1,862 |
| Average equity | $33,321,000 | 2,069 |
| Average total loans | $163,609,500 | 2,415 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0106% | 6,333 |
| Cost of funding earning assets | 0.1796% | 6,396 |
| Net interest margin | 2.8310% | 5,929 |
| Noninterest income to average assets | 0.6896% | 2,604 |
| Noninterest expense to average assets | 3.1555% | 2,565 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2806% | 5,589 |
| Return on assets (ROA) | 0.3360% | 5,494 |
| Pretax return on assets | 0.2763% | 5,790 |
| Return on Equity (ROE) | 3.3557% | 5,377 |
| Retained earnings to average equity (ytd only) | 0.6187% | 5,557 |
| Net charge-offs to loans | 0.0981% | 3,860 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 5.2297% | 3,352 |
| Efficiency ratio | 93.4568% | 776 |
| Assets per employee ($millions) | 3.7663% | 4,335 |
| Cash dividends to net income (ytd only)* | 81.5633% | 872 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1492% | 4,917 |
| Loan loss allowance to noncurrent loans | 78.0498% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 0.7074% | 4,130 |
| Noncurrent loans to loans | 1.4724% | 2,684 |
| Net loans and leases to total assets | 47.4883% | 5,348 |
| Net loans and leases to deposits | 54.3701% | 5,442 |
| Net loans and leases to core deposits | 54.8271% | 5,623 |
| Total domestic deposits to total assets | 87.3427% | 2,555 |
| Equity capital to assets | 9.5808% | 4,312 |
| Core capital (leverage) ratio | 9.8973% | 3,709 |
| Tier 1 risk-based capital ratio | 17.4474% | 2,432 |
| Total risk-based capital ratio | 18.4182% | 2,509 |
| Memoranda: |
| Average total assets | $350,338,200 | 1,847 |
| Average earning assets | $332,493,800 | 1,793 |
| Average equity | $35,074,800 | 1,969 |
| Average total loans | $150,849,000 | 2,547 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0374% | 6,386 |
| Cost of funding earning assets | 0.1870% | 6,463 |
| Net interest margin | 2.8504% | 5,918 |
| Noninterest income to average assets | 0.6949% | 2,636 |
| Noninterest expense to average assets | 3.1684% | 2,453 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3423% | 5,456 |
| Return on assets (ROA) | 0.4171% | 5,320 |
| Pretax return on assets | 0.3146% | 5,835 |
| Return on Equity (ROE) | 4.1225% | 5,161 |
| Retained earnings to average equity (ytd only) | 1.4217% | 5,417 |
| Net charge-offs to loans | 0.1352% | 3,186 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 4.2417% | 3,493 |
| Efficiency ratio | 92.9621% | 794 |
| Assets per employee ($millions) | 3.9656% | 3,905 |
| Cash dividends to net income (ytd only)* | 65.5142% | 1,244 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2004% | 4,860 |
| Loan loss allowance to noncurrent loans | 107.3554% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 0.5085% | 4,925 |
| Noncurrent loans to loans | 1.1181% | 3,564 |
| Net loans and leases to total assets | 44.0940% | 5,721 |
| Net loans and leases to deposits | 49.6066% | 5,863 |
| Net loans and leases to core deposits | 50.1627% | 6,009 |
| Total domestic deposits to total assets | 88.8873% | 1,620 |
| Equity capital to assets | 9.5891% | 4,435 |
| Core capital (leverage) ratio | 9.8097% | 3,942 |
| Tier 1 risk-based capital ratio | 17.9789% | 2,333 |
| Total risk-based capital ratio | 18.9740% | 2,393 |
| Memoranda: |
| Average total assets | $351,298,750 | 1,857 |
| Average earning assets | $334,398,500 | 1,787 |
| Average equity | $35,544,250 | 1,952 |
| Average total loans | $146,946,750 | 2,618 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1742% | 6,258 |
| Cost of funding earning assets | 0.1935% | 6,509 |
| Net interest margin | 2.9807% | 5,609 |
| Noninterest income to average assets | 0.7206% | 2,548 |
| Noninterest expense to average assets | 3.2527% | 2,208 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4104% | 5,179 |
| Return on assets (ROA) | 0.4762% | 5,081 |
| Pretax return on assets | 0.3732% | 5,696 |
| Return on Equity (ROE) | 4.6242% | 4,938 |
| Retained earnings to average equity (ytd only) | 1.9564% | 5,028 |
| Net charge-offs to loans | 0.0196% | 4,453 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 38.3571% | 958 |
| Efficiency ratio | 91.3666% | 947 |
| Assets per employee ($millions) | 4.0517% | 3,688 |
| Cash dividends to net income (ytd only)* | 57.6923% | 1,574 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4091% | 3,993 |
| Loan loss allowance to noncurrent loans | 92.6664% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 0.6695% | 4,544 |
| Noncurrent loans to loans | 1.5206% | 3,020 |
| Net loans and leases to total assets | 40.6320% | 6,003 |
| Net loans and leases to deposits | 45.9997% | 6,104 |
| Net loans and leases to core deposits | 46.4811% | 6,217 |
| Total domestic deposits to total assets | 88.3309% | 2,022 |
| Equity capital to assets | 9.7176% | 4,278 |
| Core capital (leverage) ratio | 10.0404% | 3,454 |
| Tier 1 risk-based capital ratio | 19.5457% | 1,845 |
| Total risk-based capital ratio | 20.7045% | 1,845 |
| Memoranda: |
| Average total assets | $349,429,670 | 1,868 |
| Average earning assets | $332,870,330 | 1,800 |
| Average equity | $35,984,330 | 1,937 |
| Average total loans | $142,833,670 | 2,674 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3238% | 6,106 |
| Cost of funding earning assets | 0.1989% | 6,575 |
| Net interest margin | 3.1248% | 5,179 |
| Noninterest income to average assets | 0.6853% | 2,674 |
| Noninterest expense to average assets | 3.3263% | 2,020 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4484% | 4,918 |
| Return on assets (ROA) | 0.4484% | 5,079 |
| Pretax return on assets | 0.3392% | 5,751 |
| Return on Equity (ROE) | 4.2334% | 4,981 |
| Retained earnings to average equity (ytd only) | 1.6282% | 5,169 |
| Net charge-offs to loans | 0.0424% | 3,440 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 19.6667% | 1,210 |
| Efficiency ratio | 90.7465% | 1,080 |
| Assets per employee ($millions) | 4.1788% | 3,578 |
| Cash dividends to net income (ytd only)* | 61.5385% | 1,277 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4777% | 3,908 |
| Loan loss allowance to noncurrent loans | 87.6982% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 0.7165% | 4,583 |
| Noncurrent loans to loans | 1.6850% | 3,017 |
| Net loans and leases to total assets | 38.8627% | 6,091 |
| Net loans and leases to deposits | 43.5346% | 6,234 |
| Net loans and leases to core deposits | 44.0671% | 6,311 |
| Total domestic deposits to total assets | 89.2685% | 1,510 |
| Equity capital to assets | 10.4779% | 3,565 |
| Core capital (leverage) ratio | 10.0837% | 3,291 |
| Tier 1 risk-based capital ratio | 20.2871% | 1,703 |
| Total risk-based capital ratio | 21.4963% | 1,686 |
| Memoranda: |
| Average total assets | $347,896,500 | 1,902 |
| Average earning assets | $331,793,000 | 1,826 |
| Average equity | $36,849,500 | 1,924 |
| Average total loans | $141,614,000 | 2,702 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1262% | 6,707 |
| Cost of funding earning assets | 0.3187% | 6,365 |
| Net interest margin | 2.8075% | 6,378 |
| Noninterest income to average assets | 0.4839% | 4,010 |
| Noninterest expense to average assets | 2.9421% | 3,493 |
| Loan and lease loss provision to assets | 0.0043% | 5,873 |
| Net operating income to assets | 0.2421% | 5,657 |
| Return on assets (ROA) | 0.3546% | 5,504 |
| Pretax return on assets | 0.3243% | 5,779 |
| Return on Equity (ROE) | 3.3174% | 5,421 |
| Retained earnings to average equity (ytd only) | -0.5695% | 5,948 |
| Net charge-offs to loans | -0.0007% | 6,307 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1567% | 853 |
| Assets per employee ($millions) | 4.1045% | 3,727 |
| Cash dividends to net income (ytd only)* | 117.1684% | 339 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4237% | 4,048 |
| Loan loss allowance to noncurrent loans | 86.2704% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 0.6929% | 4,754 |
| Noncurrent loans to loans | 1.6502% | 3,148 |
| Net loans and leases to total assets | 41.3910% | 6,061 |
| Net loans and leases to deposits | 46.5446% | 6,214 |
| Net loans and leases to core deposits | 46.9701% | 6,328 |
| Total domestic deposits to total assets | 88.9277% | 1,611 |
| Equity capital to assets | 10.7083% | 3,273 |
| Core capital (leverage) ratio | 10.1255% | 3,240 |
| Tier 1 risk-based capital ratio | 20.3027% | 1,607 |
| Total risk-based capital ratio | 21.5269% | 1,579 |
| Memoranda: |
| Average total assets | $346,555,800 | 1,867 |
| Average earning assets | $330,111,600 | 1,791 |
| Average equity | $37,047,200 | 1,874 |
| Average total loans | $144,591,800 | 2,658 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1825% | 6,804 |
| Cost of funding earning assets | 0.3492% | 6,375 |
| Net interest margin | 2.8333% | 6,457 |
| Noninterest income to average assets | 0.4515% | 4,282 |
| Noninterest expense to average assets | 2.9094% | 3,556 |
| Loan and lease loss provision to assets | 0.0058% | 5,737 |
| Net operating income to assets | 0.2296% | 5,840 |
| Return on assets (ROA) | 0.3347% | 5,697 |
| Pretax return on assets | 0.3404% | 5,871 |
| Return on Equity (ROE) | 3.1320% | 5,637 |
| Retained earnings to average equity (ytd only) | -1.1830% | 6,294 |
| Net charge-offs to loans | 0.0101% | 5,570 |
| Credit loss provision to net charge-offs | 136.3636% | 2,113 |
| Earnings coverage of net charge-offs (x) | 56.5310% | 689 |
| Efficiency ratio | 92.4091% | 867 |
| Assets per employee ($millions) | 4.2680% | 3,339 |
| Cash dividends to net income (ytd only)* | 137.7732% | 138 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4575% | 4,125 |
| Loan loss allowance to noncurrent loans | 83.4283% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 0.6933% | 4,951 |
| Noncurrent loans to loans | 1.7471% | 3,159 |
| Net loans and leases to total assets | 39.1060% | 6,342 |
| Net loans and leases to deposits | 43.9102% | 6,507 |
| Net loans and leases to core deposits | 44.3097% | 6,584 |
| Total domestic deposits to total assets | 89.0592% | 1,395 |
| Equity capital to assets | 10.5355% | 3,803 |
| Core capital (leverage) ratio | 9.9513% | 3,611 |
| Tier 1 risk-based capital ratio | 20.0345% | 1,747 |
| Total risk-based capital ratio | 21.2398% | 1,735 |
| Memoranda: |
| Average total assets | $347,000,250 | 1,889 |
| Average earning assets | $330,301,500 | 1,814 |
| Average equity | $37,079,000 | 1,894 |
| Average total loans | $144,547,750 | 2,682 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2593% | 6,841 |
| Cost of funding earning assets | 0.3884% | 6,339 |
| Net interest margin | 2.8708% | 6,463 |
| Noninterest income to average assets | 0.4324% | 4,419 |
| Noninterest expense to average assets | 2.9212% | 3,540 |
| Loan and lease loss provision to assets | 0.0087% | 5,547 |
| Net operating income to assets | 0.2288% | 5,833 |
| Return on assets (ROA) | 0.3506% | 5,653 |
| Pretax return on assets | 0.3593% | 5,804 |
| Return on Equity (ROE) | 3.2650% | 5,582 |
| Retained earnings to average equity (ytd only) | 0.0216% | 6,027 |
| Net charge-offs to loans | 0.0096% | 5,329 |
| Credit loss provision to net charge-offs | 214.2857% | 1,318 |
| Earnings coverage of net charge-offs (x) | 60.0000% | 636 |
| Efficiency ratio | 92.2978% | 913 |
| Assets per employee ($millions) | 4.0768% | 3,706 |
| Cash dividends to net income (ytd only)* | 99.3377% | 433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4227% | 4,372 |
| Loan loss allowance to noncurrent loans | 80.9543% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 0.7318% | 4,965 |
| Noncurrent loans to loans | 1.7574% | 3,262 |
| Net loans and leases to total assets | 41.0502% | 6,268 |
| Net loans and leases to deposits | 46.1358% | 6,427 |
| Net loans and leases to core deposits | 46.7550% | 6,528 |
| Total domestic deposits to total assets | 88.9768% | 1,518 |
| Equity capital to assets | 10.7095% | 3,443 |
| Core capital (leverage) ratio | 10.1634% | 3,187 |
| Tier 1 risk-based capital ratio | 20.1822% | 1,668 |
| Total risk-based capital ratio | 21.3869% | 1,645 |
| Memoranda: |
| Average total assets | $344,586,330 | 1,895 |
| Average earning assets | $327,988,000 | 1,828 |
| Average equity | $36,998,330 | 1,882 |
| Average total loans | $145,870,670 | 2,673 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3108% | 6,888 |
| Cost of funding earning assets | 0.4321% | 6,241 |
| Net interest margin | 2.8788% | 6,515 |
| Noninterest income to average assets | 0.4191% | 4,526 |
| Noninterest expense to average assets | 2.9114% | 3,581 |
| Loan and lease loss provision to assets | 0.0175% | 5,111 |
| Net operating income to assets | 0.2177% | 5,932 |
| Return on assets (ROA) | 0.2177% | 6,076 |
| Pretax return on assets | 0.2282% | 6,137 |
| Return on Equity (ROE) | 2.0248% | 6,068 |
| Retained earnings to average equity (ytd only) | -4.4719% | 6,547 |
| Net charge-offs to loans | -0.0082% | 5,894 |
| Credit loss provision to net charge-offs | -500.0000% | 5,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2198% | 933 |
| Assets per employee ($millions) | 4.1078% | 3,778 |
| Cash dividends to net income (ytd only)* | 320.8556% | 62 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4267% | 4,485 |
| Loan loss allowance to noncurrent loans | 79.2547% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 0.7544% | 5,043 |
| Noncurrent loans to loans | 1.8001% | 3,412 |
| Net loans and leases to total assets | 41.3087% | 6,245 |
| Net loans and leases to deposits | 46.3572% | 6,399 |
| Net loans and leases to core deposits | 46.8205% | 6,518 |
| Total domestic deposits to total assets | 89.1097% | 1,634 |
| Equity capital to assets | 10.6107% | 3,368 |
| Core capital (leverage) ratio | 10.1523% | 3,172 |
| Tier 1 risk-based capital ratio | 19.3725% | 1,880 |
| Total risk-based capital ratio | 20.5487% | 1,865 |
| Memoranda: |
| Average total assets | $343,613,500 | 1,911 |
| Average earning assets | $326,807,000 | 1,843 |
| Average equity | $36,941,500 | 1,883 |
| Average total loans | $146,653,500 | 2,682 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6039% | 6,932 |
| Cost of funding earning assets | 0.4968% | 6,548 |
| Net interest margin | 3.1071% | 6,331 |
| Noninterest income to average assets | 0.4615% | 4,126 |
| Noninterest expense to average assets | 2.9733% | 3,695 |
| Loan and lease loss provision to assets | 0.0324% | 6,159 |
| Net operating income to assets | 0.4053% | 4,837 |
| Return on assets (ROA) | 0.4824% | 4,706 |
| Pretax return on assets | 0.4907% | 5,020 |
| Return on Equity (ROE) | 4.5283% | 4,611 |
| Retained earnings to average equity (ytd only) | 2.8676% | 4,210 |
| Net charge-offs to loans | 0.0270% | 6,049 |
| Credit loss provision to net charge-offs | 275.0000% | 867 |
| Earnings coverage of net charge-offs (x) | 37.6750% | 711 |
| Efficiency ratio | 86.9974% | 1,444 |
| Assets per employee ($millions) | 4.1225% | 3,607 |
| Cash dividends to net income (ytd only)* | 36.6748% | 2,775 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3752% | 4,581 |
| Loan loss allowance to noncurrent loans | 74.5262% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 0.8019% | 5,030 |
| Noncurrent loans to loans | 1.8453% | 3,418 |
| Net loans and leases to total assets | 42.8619% | 6,311 |
| Net loans and leases to deposits | 48.3148% | 6,478 |
| Net loans and leases to core deposits | 48.8469% | 6,601 |
| Total domestic deposits to total assets | 88.7138% | 1,707 |
| Equity capital to assets | 10.8923% | 3,085 |
| Core capital (leverage) ratio | 10.1687% | 3,138 |
| Tier 1 risk-based capital ratio | 19.1155% | 1,866 |
| Total risk-based capital ratio | 20.2522% | 1,852 |
| Memoranda: |
| Average total assets | $339,123,200 | 1,906 |
| Average earning assets | $322,653,200 | 1,832 |
| Average equity | $36,128,200 | 1,881 |
| Average total loans | $147,878,600 | 2,673 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6629% | 6,967 |
| Cost of funding earning assets | 0.5091% | 6,664 |
| Net interest margin | 3.1538% | 6,276 |
| Noninterest income to average assets | 0.4626% | 4,198 |
| Noninterest expense to average assets | 3.0168% | 3,496 |
| Loan and lease loss provision to assets | 0.0355% | 5,993 |
| Net operating income to assets | 0.4027% | 4,989 |
| Return on assets (ROA) | 0.4985% | 4,743 |
| Pretax return on assets | 0.5107% | 5,132 |
| Return on Equity (ROE) | 4.7056% | 4,659 |
| Retained earnings to average equity (ytd only) | 2.4737% | 4,887 |
| Net charge-offs to loans | 0.0370% | 5,624 |
| Credit loss provision to net charge-offs | 219.5122% | 1,300 |
| Earnings coverage of net charge-offs (x) | 27.7538% | 982 |
| Efficiency ratio | 87.0594% | 1,429 |
| Assets per employee ($millions) | 3.9987% | 3,847 |
| Cash dividends to net income (ytd only)* | 47.4310% | 1,699 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3832% | 4,630 |
| Loan loss allowance to noncurrent loans | 71.6207% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 0.8218% | 5,124 |
| Noncurrent loans to loans | 1.9313% | 3,462 |
| Net loans and leases to total assets | 41.9627% | 6,507 |
| Net loans and leases to deposits | 47.3179% | 6,666 |
| Net loans and leases to core deposits | 47.8744% | 6,766 |
| Total domestic deposits to total assets | 88.6826% | 1,638 |
| Equity capital to assets | 10.7175% | 3,453 |
| Core capital (leverage) ratio | 10.0609% | 3,356 |
| Tier 1 risk-based capital ratio | 19.1677% | 1,881 |
| Total risk-based capital ratio | 20.3082% | 1,889 |
| Memoranda: |
| Average total assets | $338,361,750 | 1,919 |
| Average earning assets | $322,140,250 | 1,840 |
| Average equity | $35,842,750 | 1,888 |
| Average total loans | $147,672,000 | 2,694 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7058% | 7,012 |
| Cost of funding earning assets | 0.5183% | 6,785 |
| Net interest margin | 3.1875% | 6,202 |
| Noninterest income to average assets | 0.4743% | 4,069 |
| Noninterest expense to average assets | 3.1065% | 3,229 |
| Loan and lease loss provision to assets | 0.0297% | 5,935 |
| Net operating income to assets | 0.3964% | 4,966 |
| Return on assets (ROA) | 0.4743% | 4,763 |
| Pretax return on assets | 0.4535% | 5,215 |
| Return on Equity (ROE) | 4.4951% | 4,701 |
| Retained earnings to average equity (ytd only) | 4.4951% | 3,332 |
| Net charge-offs to loans | -0.0027% | 6,541 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,703 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4583% | 1,369 |
| Assets per employee ($millions) | 4.0041% | 3,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3534% | 4,817 |
| Loan loss allowance to noncurrent loans | 67.5217% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 0.8820% | 5,112 |
| Noncurrent loans to loans | 2.0044% | 3,472 |
| Net loans and leases to total assets | 43.4091% | 6,484 |
| Net loans and leases to deposits | 48.8838% | 6,672 |
| Net loans and leases to core deposits | 49.3843% | 6,791 |
| Total domestic deposits to total assets | 88.8006% | 1,666 |
| Equity capital to assets | 10.7390% | 3,243 |
| Core capital (leverage) ratio | 10.2423% | 2,986 |
| Tier 1 risk-based capital ratio | 19.2116% | 1,784 |
| Total risk-based capital ratio | 20.3532% | 1,775 |
| Memoranda: |
| Average total assets | $336,520,330 | 1,939 |
| Average earning assets | $320,690,670 | 1,859 |
| Average equity | $35,505,000 | 1,887 |
| Average total loans | $148,120,000 | 2,716 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6645% | 7,095 |
| Cost of funding earning assets | 0.5326% | 6,853 |
| Net interest margin | 3.1319% | 6,263 |
| Noninterest income to average assets | 0.4375% | 4,387 |
| Noninterest expense to average assets | 3.1679% | 2,997 |
| Loan and lease loss provision to assets | 0.0239% | 5,662 |
| Net operating income to assets | 0.2534% | 5,603 |
| Return on assets (ROA) | 0.2929% | 5,521 |
| Pretax return on assets | 0.2726% | 5,739 |
| Return on Equity (ROE) | 2.8014% | 5,469 |
| Retained earnings to average equity (ytd only) | 2.8014% | 4,490 |
| Net charge-offs to loans | -0.0027% | 6,190 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4956% | 1,135 |
| Assets per employee ($millions) | 3.6674% | 4,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3584% | 4,864 |
| Loan loss allowance to noncurrent loans | 60.3568% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 1.0231% | 4,861 |
| Noncurrent loans to loans | 2.2506% | 3,255 |
| Net loans and leases to total assets | 42.9591% | 6,545 |
| Net loans and leases to deposits | 48.1057% | 6,750 |
| Net loans and leases to core deposits | 48.6690% | 6,846 |
| Total domestic deposits to total assets | 89.3014% | 1,589 |
| Equity capital to assets | 10.3916% | 3,295 |
| Core capital (leverage) ratio | 10.1813% | 2,945 |
| Tier 1 risk-based capital ratio | 18.7008% | 1,895 |
| Total risk-based capital ratio | 19.8123% | 1,897 |
| Memoranda: |
| Average total assets | $334,606,500 | 1,961 |
| Average earning assets | $319,171,500 | 1,878 |
| Average equity | $34,982,500 | 1,898 |
| Average total loans | $147,295,500 | 2,751 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9585% | 7,160 |
| Cost of funding earning assets | 0.6485% | 7,009 |
| Net interest margin | 3.3100% | 5,949 |
| Noninterest income to average assets | 0.5070% | 4,116 |
| Noninterest expense to average assets | 3.1331% | 3,337 |
| Loan and lease loss provision to assets | 0.0607% | 6,537 |
| Net operating income to assets | 0.4386% | 4,370 |
| Return on assets (ROA) | 0.4733% | 4,377 |
| Pretax return on assets | 0.4949% | 4,636 |
| Return on Equity (ROE) | 4.3704% | 4,359 |
| Retained earnings to average equity (ytd only) | 1.0064% | 5,035 |
| Net charge-offs to loans | 0.0612% | 6,178 |
| Credit loss provision to net charge-offs | 227.2727% | 1,295 |
| Earnings coverage of net charge-offs (x) | 19.4432% | 1,058 |
| Efficiency ratio | 85.7784% | 1,716 |
| Assets per employee ($millions) | 3.6067% | 4,688 |
| Cash dividends to net income (ytd only)* | 76.9724% | 955 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3376% | 4,810 |
| Loan loss allowance to noncurrent loans | 66.6105% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 0.9373% | 5,132 |
| Noncurrent loans to loans | 2.0081% | 3,552 |
| Net loans and leases to total assets | 43.9031% | 6,721 |
| Net loans and leases to deposits | 49.3862% | 6,883 |
| Net loans and leases to core deposits | 49.9748% | 6,974 |
| Total domestic deposits to total assets | 88.8974% | 1,716 |
| Equity capital to assets | 10.5191% | 3,139 |
| Core capital (leverage) ratio | 9.9551% | 3,141 |
| Tier 1 risk-based capital ratio | 18.8631% | 1,752 |
| Total risk-based capital ratio | 19.9802% | 1,749 |
| Memoranda: |
| Average total assets | $329,385,000 | 1,977 |
| Average earning assets | $313,020,600 | 1,896 |
| Average equity | $35,671,800 | 1,856 |
| Average total loans | $143,879,600 | 2,864 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0194% | 7,272 |
| Cost of funding earning assets | 0.6711% | 7,130 |
| Net interest margin | 3.3483% | 5,852 |
| Noninterest income to average assets | 0.4838% | 4,308 |
| Noninterest expense to average assets | 3.1258% | 3,209 |
| Loan and lease loss provision to assets | 0.0568% | 6,502 |
| Net operating income to assets | 0.4392% | 4,591 |
| Return on assets (ROA) | 0.4814% | 4,599 |
| Pretax return on assets | 0.5256% | 4,832 |
| Return on Equity (ROE) | 4.4129% | 4,592 |
| Retained earnings to average equity (ytd only) | 1.4834% | 5,205 |
| Net charge-offs to loans | 0.0672% | 5,838 |
| Credit loss provision to net charge-offs | 194.4444% | 1,834 |
| Earnings coverage of net charge-offs (x) | 18.3746% | 1,265 |
| Efficiency ratio | 85.3505% | 1,698 |
| Assets per employee ($millions) | 3.6205% | 4,687 |
| Cash dividends to net income (ytd only)* | 66.3857% | 1,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3491% | 4,713 |
| Loan loss allowance to noncurrent loans | 76.2036% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 0.7789% | 5,549 |
| Noncurrent loans to loans | 1.7704% | 3,992 |
| Net loans and leases to total assets | 41.0515% | 7,022 |
| Net loans and leases to deposits | 46.2324% | 7,164 |
| Net loans and leases to core deposits | 46.7616% | 7,243 |
| Total domestic deposits to total assets | 88.7938% | 1,511 |
| Equity capital to assets | 10.6373% | 3,363 |
| Core capital (leverage) ratio | 10.0200% | 3,234 |
| Tier 1 risk-based capital ratio | 18.1482% | 1,987 |
| Total risk-based capital ratio | 19.1979% | 2,000 |
| Memoranda: |
| Average total assets | $328,777,500 | 2,007 |
| Average earning assets | $312,109,750 | 1,934 |
| Average equity | $35,863,750 | 1,863 |
| Average total loans | $142,936,500 | 2,920 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1255% | 7,257 |
| Cost of funding earning assets | 0.7015% | 7,190 |
| Net interest margin | 3.4240% | 5,542 |
| Noninterest income to average assets | 0.5066% | 4,059 |
| Noninterest expense to average assets | 3.1441% | 3,124 |
| Loan and lease loss provision to assets | 0.0618% | 6,332 |
| Net operating income to assets | 0.4799% | 4,415 |
| Return on assets (ROA) | 0.5165% | 4,409 |
| Pretax return on assets | 0.5937% | 4,584 |
| Return on Equity (ROE) | 4.6936% | 4,444 |
| Retained earnings to average equity (ytd only) | 0.2695% | 5,649 |
| Net charge-offs to loans | -0.0238% | 7,308 |
| Credit loss provision to net charge-offs | -588.2353% | 6,842 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6731% | 1,960 |
| Assets per employee ($millions) | 3.4416% | 5,064 |
| Cash dividends to net income (ytd only)* | 94.2584% | 528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3978% | 4,434 |
| Loan loss allowance to noncurrent loans | 71.8954% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 0.8336% | 5,454 |
| Noncurrent loans to loans | 1.9441% | 3,805 |
| Net loans and leases to total assets | 42.2756% | 7,028 |
| Net loans and leases to deposits | 47.8421% | 7,170 |
| Net loans and leases to core deposits | 48.3715% | 7,270 |
| Total domestic deposits to total assets | 88.3648% | 1,797 |
| Equity capital to assets | 10.8803% | 2,986 |
| Core capital (leverage) ratio | 10.1073% | 3,053 |
| Tier 1 risk-based capital ratio | 18.0450% | 1,948 |
| Total risk-based capital ratio | 19.1264% | 1,956 |
| Memoranda: |
| Average total assets | $323,719,670 | 2,050 |
| Average earning assets | $307,355,330 | 1,982 |
| Average equity | $35,622,670 | 1,875 |
| Average total loans | $142,872,670 | 2,962 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1512% | 7,324 |
| Cost of funding earning assets | 0.7207% | 7,291 |
| Net interest margin | 3.4304% | 5,461 |
| Noninterest income to average assets | 0.5081% | 3,987 |
| Noninterest expense to average assets | 3.1862% | 2,922 |
| Loan and lease loss provision to assets | 0.0375% | 6,301 |
| Net operating income to assets | 0.4634% | 4,555 |
| Return on assets (ROA) | 0.5356% | 4,343 |
| Pretax return on assets | 0.6317% | 4,481 |
| Return on Equity (ROE) | 4.8393% | 4,455 |
| Retained earnings to average equity (ytd only) | 4.8393% | 3,248 |
| Net charge-offs to loans | -0.0335% | 7,228 |
| Credit loss provision to net charge-offs | -250.0000% | 6,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5033% | 1,980 |
| Assets per employee ($millions) | 3.4087% | 5,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3331% | 4,760 |
| Loan loss allowance to noncurrent loans | 72.8211% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 0.8164% | 5,523 |
| Noncurrent loans to loans | 1.8307% | 4,020 |
| Net loans and leases to total assets | 44.0024% | 6,992 |
| Net loans and leases to deposits | 49.7267% | 7,139 |
| Net loans and leases to core deposits | 50.2830% | 7,271 |
| Total domestic deposits to total assets | 88.4886% | 1,794 |
| Equity capital to assets | 11.1026% | 2,671 |
| Core capital (leverage) ratio | 10.5069% | 2,614 |
| Tier 1 risk-based capital ratio | 17.5524% | 2,060 |
| Total risk-based capital ratio | 18.5531% | 2,108 |
| Memoranda: |
| Average total assets | $320,382,500 | 2,124 |
| Average earning assets | $304,685,000 | 2,055 |
| Average equity | $35,460,000 | 1,899 |
| Average total loans | $143,481,000 | 3,013 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4089% | 7,470 |
| Cost of funding earning assets | 0.9575% | 7,290 |
| Net interest margin | 3.4514% | 5,162 |
| Noninterest income to average assets | 0.5891% | 3,719 |
| Noninterest expense to average assets | 3.2210% | 3,311 |
| Loan and lease loss provision to assets | 0.0384% | 7,163 |
| Net operating income to assets | 0.4916% | 3,765 |
| Return on assets (ROA) | 0.4916% | 3,864 |
| Pretax return on assets | 0.6083% | 3,882 |
| Return on Equity (ROE) | 4.3227% | 3,953 |
| Retained earnings to average equity (ytd only) | -0.5091% | 5,109 |
| Net charge-offs to loans | 0.1102% | 6,054 |
| Credit loss provision to net charge-offs | 74.5342% | 6,407 |
| Earnings coverage of net charge-offs (x) | 12.5590% | 1,499 |
| Efficiency ratio | 83.2796% | 2,441 |
| Assets per employee ($millions) | 3.3720% | 5,322 |
| Cash dividends to net income (ytd only)* | 111.7762% | 477 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2932% | 4,807 |
| Loan loss allowance to noncurrent loans | 72.1813% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 0.8185% | 5,467 |
| Noncurrent loans to loans | 1.7916% | 3,953 |
| Net loans and leases to total assets | 44.3901% | 7,093 |
| Net loans and leases to deposits | 50.4635% | 7,236 |
| Net loans and leases to core deposits | 54.4808% | 7,457 |
| Total domestic deposits to total assets | 87.9648% | 1,986 |
| Equity capital to assets | 11.0335% | 2,685 |
| Core capital (leverage) ratio | 10.2793% | 2,800 |
| Tier 1 risk-based capital ratio | 16.6167% | 2,269 |
| Total risk-based capital ratio | 17.5553% | 2,337 |
| Memoranda: |
| Average total assets | $312,667,000 | 2,148 |
| Average earning assets | $297,013,600 | 2,096 |
| Average equity | $35,556,400 | 1,895 |
| Average total loans | $146,039,200 | 2,981 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4185% | 7,591 |
| Cost of funding earning assets | 1.0133% | 7,361 |
| Net interest margin | 3.4052% | 5,244 |
| Noninterest income to average assets | 0.6067% | 3,646 |
| Noninterest expense to average assets | 3.2184% | 3,236 |
| Loan and lease loss provision to assets | 0.0386% | 6,977 |
| Net operating income to assets | 0.4608% | 4,159 |
| Return on assets (ROA) | 0.4608% | 4,261 |
| Pretax return on assets | 0.5840% | 4,237 |
| Return on Equity (ROE) | 4.0213% | 4,368 |
| Retained earnings to average equity (ytd only) | 1.0708% | 4,718 |
| Net charge-offs to loans | 0.1465% | 5,236 |
| Credit loss provision to net charge-offs | 55.9006% | 6,228 |
| Earnings coverage of net charge-offs (x) | 9.0125% | 2,164 |
| Efficiency ratio | 83.7913% | 2,320 |
| Assets per employee ($millions) | 3.4799% | 4,978 |
| Cash dividends to net income (ytd only)* | 73.3708% | 1,155 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2472% | 4,855 |
| Loan loss allowance to noncurrent loans | 70.1378% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 0.8198% | 5,452 |
| Noncurrent loans to loans | 1.7782% | 3,946 |
| Net loans and leases to total assets | 44.8214% | 7,190 |
| Net loans and leases to deposits | 50.8321% | 7,371 |
| Net loans and leases to core deposits | 55.7040% | 7,552 |
| Total domestic deposits to total assets | 88.1755% | 1,581 |
| Equity capital to assets | 11.1707% | 2,853 |
| Core capital (leverage) ratio | 10.4198% | 2,859 |
| Tier 1 risk-based capital ratio | 16.6579% | 2,371 |
| Total risk-based capital ratio | 17.5689% | 2,443 |
| Memoranda: |
| Average total assets | $310,747,750 | 2,169 |
| Average earning assets | $295,146,750 | 2,119 |
| Average equity | $35,609,250 | 1,913 |
| Average total loans | $146,533,000 | 3,004 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5683% | 7,567 |
| Cost of funding earning assets | 1.0826% | 7,408 |
| Net interest margin | 3.4857% | 4,863 |
| Noninterest income to average assets | 0.6657% | 3,224 |
| Noninterest expense to average assets | 3.2149% | 3,295 |
| Loan and lease loss provision to assets | 0.0392% | 6,843 |
| Net operating income to assets | 0.5502% | 3,879 |
| Return on assets (ROA) | 0.5502% | 4,000 |
| Pretax return on assets | 0.7212% | 3,931 |
| Return on Equity (ROE) | 4.7589% | 4,181 |
| Retained earnings to average equity (ytd only) | 0.3105% | 5,097 |
| Net charge-offs to loans | -0.0068% | 7,565 |
| Credit loss provision to net charge-offs | -1,200.0000% | 7,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8734% | 2,905 |
| Assets per employee ($millions) | 3.4646% | 4,909 |
| Cash dividends to net income (ytd only)* | 93.4757% | 827 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3572% | 3,947 |
| Loan loss allowance to noncurrent loans | 72.5129% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 0.8423% | 5,305 |
| Noncurrent loans to loans | 1.8717% | 3,700 |
| Net loans and leases to total assets | 44.3925% | 7,303 |
| Net loans and leases to deposits | 50.3263% | 7,473 |
| Net loans and leases to core deposits | 55.2431% | 7,623 |
| Total domestic deposits to total assets | 88.2094% | 1,664 |
| Equity capital to assets | 10.9194% | 2,999 |
| Core capital (leverage) ratio | 10.5316% | 2,785 |
| Tier 1 risk-based capital ratio | 17.2271% | 2,226 |
| Total risk-based capital ratio | 18.2443% | 2,251 |
| Memoranda: |
| Average total assets | $306,452,670 | 2,222 |
| Average earning assets | $290,961,330 | 2,165 |
| Average equity | $35,428,330 | 1,918 |
| Average total loans | $146,414,330 | 3,039 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8598% | 7,268 |
| Cost of funding earning assets | 1.1502% | 7,414 |
| Net interest margin | 3.7096% | 3,850 |
| Noninterest income to average assets | 0.5587% | 3,851 |
| Noninterest expense to average assets | 3.1121% | 3,332 |
| Loan and lease loss provision to assets | 0.0389% | 6,476 |
| Net operating income to assets | 0.6832% | 3,638 |
| Return on assets (ROA) | 0.6832% | 3,825 |
| Pretax return on assets | 0.9204% | 3,641 |
| Return on Equity (ROE) | 5.7382% | 4,151 |
| Retained earnings to average equity (ytd only) | 5.7382% | 2,761 |
| Net charge-offs to loans | -0.0136% | 7,350 |
| Credit loss provision to net charge-offs | -580.0000% | 6,422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4396% | 3,413 |
| Assets per employee ($millions) | 3.4065% | 5,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3211% | 3,953 |
| Loan loss allowance to noncurrent loans | 70.5390% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 0.8957% | 4,954 |
| Noncurrent loans to loans | 1.8728% | 3,455 |
| Net loans and leases to total assets | 47.1928% | 7,086 |
| Net loans and leases to deposits | 53.8837% | 7,296 |
| Net loans and leases to core deposits | 59.8634% | 7,460 |
| Total domestic deposits to total assets | 87.5827% | 1,929 |
| Equity capital to assets | 11.7503% | 2,407 |
| Core capital (leverage) ratio | 11.3892% | 2,213 |
| Tier 1 risk-based capital ratio | 17.8000% | 2,101 |
| Total risk-based capital ratio | 18.8186% | 2,106 |
| Memoranda: |
| Average total assets | $298,576,500 | 2,276 |
| Average earning assets | $282,729,000 | 2,228 |
| Average equity | $35,551,000 | 1,923 |
| Average total loans | $147,120,000 | 3,055 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5374% | 7,210 |
| Cost of funding earning assets | 1.5070% | 7,597 |
| Net interest margin | 4.0304% | 2,976 |
| Noninterest income to average assets | 0.6493% | 3,483 |
| Noninterest expense to average assets | 3.0061% | 4,061 |
| Loan and lease loss provision to assets | 0.0836% | 6,345 |
| Net operating income to assets | 0.9522% | 2,782 |
| Return on assets (ROA) | 0.9522% | 2,643 |
| Pretax return on assets | 1.3188% | 2,247 |
| Return on Equity (ROE) | 8.0257% | 3,064 |
| Retained earnings to average equity (ytd only) | 3.0434% | 3,270 |
| Net charge-offs to loans | 0.0184% | 6,609 |
| Credit loss provision to net charge-offs | 888.8889% | 497 |
| Earnings coverage of net charge-offs (x) | 149.0370% | 306 |
| Efficiency ratio | 68.1872% | 4,691 |
| Assets per employee ($millions) | 3.1930% | 5,499 |
| Cash dividends to net income (ytd only)* | 62.0791% | 2,575 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9613% | 6,335 |
| Loan loss allowance to noncurrent loans | 97.9972% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 0.4983% | 5,707 |
| Noncurrent loans to loans | 0.9809% | 4,636 |
| Net loans and leases to total assets | 50.3146% | 7,003 |
| Net loans and leases to deposits | 58.0143% | 7,202 |
| Net loans and leases to core deposits | 64.3825% | 7,429 |
| Total domestic deposits to total assets | 86.7279% | 2,078 |
| Equity capital to assets | 12.0720% | 2,250 |
| Core capital (leverage) ratio | 11.5974% | 2,193 |
| Tier 1 risk-based capital ratio | 17.5021% | 2,178 |
| Total risk-based capital ratio | 18.5010% | 2,193 |
| Memoranda: |
| Average total assets | $286,916,800 | 2,273 |
| Average earning assets | $267,616,400 | 2,240 |
| Average equity | $34,040,600 | 1,991 |
| Average total loans | $146,345,800 | 2,988 |
