| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6113% | 2,870 |
| Cost of funding earning assets | 0.8661% | 3,590 |
| Net interest margin | 3.7452% | 1,660 |
| Noninterest income to average assets | 0.8500% | 838 |
| Noninterest expense to average assets | 2.6813% | 1,789 |
| Loan and lease loss provision to assets | 0.2900% | 373 |
| Net operating income to assets | 1.3939% | 1,226 |
| Return on assets (ROA) | 1.2691% | 1,468 |
| Pretax return on assets | 1.2691% | 1,958 |
| Return on Equity (ROE) | 21.8000% | 470 |
| Retained earnings to average equity (ytd only) | 10.4255% | 919 |
| Net charge-offs to loans | 0.5013% | 203 |
| Credit loss provision to net charge-offs | 138.3592% | 1,542 |
| Earnings coverage of net charge-offs (x) | 8.0599% | 2,367 |
| Efficiency ratio | 61.4405% | 2,912 |
| Assets per employee ($millions) | 5.5632% | 3,192 |
| Cash dividends to net income (ytd only)* | 52.1795% | 1,539 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6894% | 678 |
| Loan loss allowance to noncurrent loans | 628.2983% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.1205% | 2,734 |
| Noncurrent loans to loans | 0.2689% | 2,224 |
| Net loans and leases to total assets | 44.0700% | 3,898 |
| Net loans and leases to deposits | 51.0112% | 3,911 |
| Net loans and leases to core deposits | 53.3828% | 3,993 |
| Total domestic deposits to total assets | 86.3900% | 1,892 |
| Equity capital to assets | 6.7741% | 4,024 |
| Core capital (leverage) ratio | 10.6168% | 2,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2473% | 668 |
| Memoranda: |
| Average total assets | $432,021,800 | 1,912 |
| Average earning assets | $405,398,200 | 1,892 |
| Average equity | $25,149,800 | 2,507 |
| Average total loans | $179,922,200 | 2,447 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5277% | 2,849 |
| Cost of funding earning assets | 0.7266% | 3,704 |
| Net interest margin | 3.8011% | 1,592 |
| Noninterest income to average assets | 0.9100% | 748 |
| Noninterest expense to average assets | 2.7037% | 1,644 |
| Loan and lease loss provision to assets | 0.2900% | 324 |
| Net operating income to assets | 1.4864% | 1,152 |
| Return on assets (ROA) | 1.3199% | 1,482 |
| Pretax return on assets | 1.3199% | 1,979 |
| Return on Equity (ROE) | 23.6500% | 454 |
| Retained earnings to average equity (ytd only) | 13.5276% | 741 |
| Net charge-offs to loans | 0.4795% | 181 |
| Credit loss provision to net charge-offs | 147.6341% | 1,335 |
| Earnings coverage of net charge-offs (x) | 9.0647% | 2,176 |
| Efficiency ratio | 60.3600% | 2,924 |
| Assets per employee ($millions) | 5.4272% | 3,241 |
| Cash dividends to net income (ytd only)* | 42.7903% | 1,538 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7420% | 646 |
| Loan loss allowance to noncurrent loans | 145.5117% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 0.5728% | 1,021 |
| Noncurrent loans to loans | 1.1972% | 654 |
| Net loans and leases to total assets | 43.2000% | 3,945 |
| Net loans and leases to deposits | 48.3188% | 3,993 |
| Net loans and leases to core deposits | 50.4334% | 4,029 |
| Total domestic deposits to total assets | 89.4000% | 1,117 |
| Equity capital to assets | 4.6896% | 4,303 |
| Core capital (leverage) ratio | 10.5387% | 2,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6711% | 644 |
| Memoranda: |
| Average total assets | $431,544,750 | 1,909 |
| Average earning assets | $405,168,750 | 1,890 |
| Average equity | $24,088,500 | 2,560 |
| Average total loans | $176,275,500 | 2,482 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4293% | 2,812 |
| Cost of funding earning assets | 0.5973% | 3,759 |
| Net interest margin | 3.8320% | 1,560 |
| Noninterest income to average assets | 1.0200% | 549 |
| Noninterest expense to average assets | 2.6061% | 1,918 |
| Loan and lease loss provision to assets | 0.2900% | 317 |
| Net operating income to assets | 1.7293% | 742 |
| Return on assets (ROA) | 1.6685% | 839 |
| Pretax return on assets | 1.6685% | 1,279 |
| Return on Equity (ROE) | 28.4100% | 253 |
| Retained earnings to average equity (ytd only) | 18.3603% | 322 |
| Net charge-offs to loans | 0.5838% | 142 |
| Credit loss provision to net charge-offs | 123.5644% | 1,315 |
| Earnings coverage of net charge-offs (x) | 8.6713% | 2,047 |
| Efficiency ratio | 56.3758% | 3,372 |
| Assets per employee ($millions) | 5.3218% | 3,309 |
| Cash dividends to net income (ytd only)* | 35.3850% | 1,889 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7110% | 731 |
| Loan loss allowance to noncurrent loans | 484.7861% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.1446% | 2,535 |
| Noncurrent loans to loans | 0.3529% | 1,874 |
| Net loans and leases to total assets | 40.2700% | 4,029 |
| Net loans and leases to deposits | 44.4204% | 4,084 |
| Net loans and leases to core deposits | 46.0554% | 4,129 |
| Total domestic deposits to total assets | 90.6500% | 745 |
| Equity capital to assets | 6.0053% | 4,150 |
| Core capital (leverage) ratio | 10.5605% | 2,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0972% | 629 |
| Memoranda: |
| Average total assets | $434,285,000 | 1,900 |
| Average earning assets | $407,827,667 | 1,881 |
| Average equity | $25,500,667 | 2,492 |
| Average total loans | $172,999,333 | 2,502 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3522% | 2,668 |
| Cost of funding earning assets | 0.5128% | 3,644 |
| Net interest margin | 3.8394% | 1,603 |
| Noninterest income to average assets | 1.4000% | 354 |
| Noninterest expense to average assets | 2.5889% | 1,986 |
| Loan and lease loss provision to assets | 0.2900% | 299 |
| Net operating income to assets | 2.1383% | 408 |
| Return on assets (ROA) | 2.0201% | 469 |
| Pretax return on assets | 2.0201% | 748 |
| Return on Equity (ROE) | 34.8000% | 161 |
| Retained earnings to average equity (ytd only) | 34.8020% | 82 |
| Net charge-offs to loans | 0.6984% | 111 |
| Credit loss provision to net charge-offs | 105.0505% | 1,088 |
| Earnings coverage of net charge-offs (x) | 8.8485% | 1,709 |
| Efficiency ratio | 51.6200% | 3,808 |
| Assets per employee ($millions) | 5.4471% | 3,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6850% | 846 |
| Loan loss allowance to noncurrent loans | 444.3609% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.1526% | 2,444 |
| Noncurrent loans to loans | 0.3792% | 1,796 |
| Net loans and leases to total assets | 39.5700% | 4,056 |
| Net loans and leases to deposits | 42.4850% | 4,145 |
| Net loans and leases to core deposits | 43.4028% | 4,192 |
| Total domestic deposits to total assets | 93.1300% | 287 |
| Equity capital to assets | 6.4640% | 4,040 |
| Core capital (leverage) ratio | 10.4786% | 2,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9316% | 667 |
| Memoranda: |
| Average total assets | $433,235,500 | 1,930 |
| Average earning assets | $407,981,500 | 1,910 |
| Average equity | $25,148,000 | 2,538 |
| Average total loans | $170,107,000 | 2,543 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9157% | 1,950 |
| Cost of funding earning assets | 0.2789% | 3,052 |
| Net interest margin | 3.6367% | 1,532 |
| Noninterest income to average assets | 0.8200% | 957 |
| Noninterest expense to average assets | 2.7965% | 1,322 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.3320% | 1,335 |
| Return on assets (ROA) | 1.3261% | 1,309 |
| Pretax return on assets | 1.3261% | 2,005 |
| Return on Equity (ROE) | 18.8800% | 588 |
| Retained earnings to average equity (ytd only) | 9.4565% | 1,330 |
| Net charge-offs to loans | 0.1316% | 601 |
| Credit loss provision to net charge-offs | 235.0000% | 1,028 |
| Earnings coverage of net charge-offs (x) | 31.0400% | 1,664 |
| Efficiency ratio | 65.8751% | 2,244 |
| Assets per employee ($millions) | 5.5936% | 3,130 |
| Cash dividends to net income (ytd only)* | 49.9032% | 1,394 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7835% | 679 |
| Loan loss allowance to noncurrent loans | 331.4543% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.2059% | 2,136 |
| Noncurrent loans to loans | 0.5381% | 1,371 |
| Net loans and leases to total assets | 37.5900% | 4,159 |
| Net loans and leases to deposits | 39.9502% | 4,247 |
| Net loans and leases to core deposits | 40.6748% | 4,264 |
| Total domestic deposits to total assets | 94.0900% | 232 |
| Equity capital to assets | 5.1376% | 4,331 |
| Core capital (leverage) ratio | 10.0123% | 2,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5113% | 669 |
| Memoranda: |
| Average total assets | $428,535,000 | 1,927 |
| Average earning assets | $404,015,400 | 1,902 |
| Average equity | $30,106,400 | 2,331 |
| Average total loans | $152,025,200 | 2,614 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8048% | 1,744 |
| Cost of funding earning assets | 0.2168% | 3,074 |
| Net interest margin | 3.5880% | 1,419 |
| Noninterest income to average assets | 0.8600% | 906 |
| Noninterest expense to average assets | 2.6237% | 1,657 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.5193% | 809 |
| Return on assets (ROA) | 1.5501% | 726 |
| Pretax return on assets | 1.5501% | 1,267 |
| Return on Equity (ROE) | 20.6700% | 387 |
| Retained earnings to average equity (ytd only) | 12.8840% | 634 |
| Net charge-offs to loans | -0.0009% | 3,164 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.8719% | 2,842 |
| Assets per employee ($millions) | 5.5699% | 3,152 |
| Cash dividends to net income (ytd only)* | 37.6608% | 1,694 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8904% | 616 |
| Loan loss allowance to noncurrent loans | 390.8016% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.1798% | 2,390 |
| Noncurrent loans to loans | 0.4837% | 1,592 |
| Net loans and leases to total assets | 36.4600% | 4,208 |
| Net loans and leases to deposits | 38.3764% | 4,294 |
| Net loans and leases to core deposits | 39.0542% | 4,310 |
| Total domestic deposits to total assets | 95.0100% | 221 |
| Equity capital to assets | 4.3013% | 4,439 |
| Core capital (leverage) ratio | 10.2510% | 2,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3368% | 698 |
| Memoranda: |
| Average total assets | $427,992,250 | 1,941 |
| Average earning assets | $403,518,750 | 1,912 |
| Average equity | $32,101,000 | 2,269 |
| Average total loans | $148,821,500 | 2,652 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4854% | 2,181 |
| Cost of funding earning assets | 0.1531% | 3,531 |
| Net interest margin | 3.3323% | 1,811 |
| Noninterest income to average assets | 0.9168% | 812 |
| Noninterest expense to average assets | 2.4821% | 1,986 |
| Loan and lease loss provision to assets | 0.0819% | 1,202 |
| Net operating income to assets | 1.4941% | 722 |
| Return on assets (ROA) | 1.5402% | 616 |
| Pretax return on assets | 1.5402% | 1,073 |
| Return on Equity (ROE) | 18.0115% | 473 |
| Retained earnings to average equity (ytd only) | 11.7445% | 649 |
| Net charge-offs to loans | -0.1288% | 4,504 |
| Credit loss provision to net charge-offs | -187.2340% | 3,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1634% | 3,156 |
| Assets per employee ($millions) | 5.4531% | 3,273 |
| Cash dividends to net income (ytd only)* | 34.7944% | 1,926 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9175% | 640 |
| Loan loss allowance to noncurrent loans | 150.0000% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 0.4608% | 1,223 |
| Noncurrent loans to loans | 1.2783% | 616 |
| Net loans and leases to total assets | 35.3556% | 4,277 |
| Net loans and leases to deposits | 38.0101% | 4,334 |
| Net loans and leases to core deposits | 38.7675% | 4,357 |
| Total domestic deposits to total assets | 93.0165% | 512 |
| Equity capital to assets | 6.3687% | 4,074 |
| Core capital (leverage) ratio | 10.0689% | 2,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8998% | 736 |
| Memoranda: |
| Average total assets | $429,553,000 | 1,940 |
| Average earning assets | $404,943,667 | 1,924 |
| Average equity | $36,732,000 | 2,129 |
| Average total loans | $145,989,333 | 2,686 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3309% | 2,291 |
| Cost of funding earning assets | 0.1467% | 3,538 |
| Net interest margin | 3.1842% | 1,933 |
| Noninterest income to average assets | 1.1555% | 513 |
| Noninterest expense to average assets | 2.3546% | 2,323 |
| Loan and lease loss provision to assets | 0.0593% | 1,341 |
| Net operating income to assets | 1.7384% | 377 |
| Return on assets (ROA) | 1.8302% | 312 |
| Pretax return on assets | 1.8302% | 513 |
| Return on Equity (ROE) | 19.0116% | 281 |
| Retained earnings to average equity (ytd only) | 19.0116% | 119 |
| Net charge-offs to loans | -0.0534% | 4,279 |
| Credit loss provision to net charge-offs | -336.8421% | 3,062 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7061% | 3,819 |
| Assets per employee ($millions) | 5.8596% | 2,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9534% | 674 |
| Loan loss allowance to noncurrent loans | 126.2844% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 0.5028% | 1,192 |
| Noncurrent loans to loans | 1.5468% | 524 |
| Net loans and leases to total assets | 31.8673% | 4,384 |
| Net loans and leases to deposits | 34.9514% | 4,424 |
| Net loans and leases to core deposits | 35.8997% | 4,428 |
| Total domestic deposits to total assets | 91.1760% | 941 |
| Equity capital to assets | 8.2527% | 3,365 |
| Core capital (leverage) ratio | 10.2823% | 2,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6963% | 674 |
| Memoranda: |
| Average total assets | $431,657,500 | 1,944 |
| Average earning assets | $406,252,500 | 1,932 |
| Average equity | $41,553,500 | 1,989 |
| Average total loans | $142,322,500 | 2,728 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8619% | 1,723 |
| Cost of funding earning assets | 0.1616% | 3,854 |
| Net interest margin | 3.7003% | 1,212 |
| Noninterest income to average assets | 0.6907% | 1,794 |
| Noninterest expense to average assets | 2.5117% | 2,145 |
| Loan and lease loss provision to assets | 0.1620% | 728 |
| Net operating income to assets | 1.4886% | 1,041 |
| Return on assets (ROA) | 1.4914% | 1,092 |
| Pretax return on assets | 1.4914% | 1,756 |
| Return on Equity (ROE) | 12.5786% | 1,615 |
| Retained earnings to average equity (ytd only) | 2.0449% | 3,970 |
| Net charge-offs to loans | 0.2272% | 409 |
| Credit loss provision to net charge-offs | 209.6154% | 1,283 |
| Earnings coverage of net charge-offs (x) | 21.3622% | 1,823 |
| Efficiency ratio | 60.3439% | 3,104 |
| Assets per employee ($millions) | 5.8863% | 2,876 |
| Cash dividends to net income (ytd only)* | 83.7429% | 429 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8579% | 787 |
| Loan loss allowance to noncurrent loans | 115.3348% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 0.5387% | 1,228 |
| Noncurrent loans to loans | 1.6109% | 539 |
| Net loans and leases to total assets | 32.8231% | 4,416 |
| Net loans and leases to deposits | 37.3584% | 4,432 |
| Net loans and leases to core deposits | 38.4424% | 4,445 |
| Total domestic deposits to total assets | 87.8599% | 2,121 |
| Equity capital to assets | 11.0128% | 1,781 |
| Core capital (leverage) ratio | 9.8278% | 2,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6061% | 949 |
| Memoranda: |
| Average total assets | $403,789,200 | 1,974 |
| Average earning assets | $378,829,600 | 1,973 |
| Average equity | $47,875,000 | 1,825 |
| Average total loans | $137,316,600 | 2,756 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9798% | 1,589 |
| Cost of funding earning assets | 0.1655% | 3,971 |
| Net interest margin | 3.8143% | 1,086 |
| Noninterest income to average assets | 0.7000% | 1,820 |
| Noninterest expense to average assets | 2.4685% | 2,216 |
| Loan and lease loss provision to assets | 0.1608% | 685 |
| Net operating income to assets | 1.6443% | 930 |
| Return on assets (ROA) | 1.6464% | 969 |
| Pretax return on assets | 1.6464% | 1,563 |
| Return on Equity (ROE) | 13.6237% | 1,506 |
| Retained earnings to average equity (ytd only) | 4.6903% | 3,339 |
| Net charge-offs to loans | 0.0992% | 741 |
| Credit loss provision to net charge-offs | 474.2574% | 782 |
| Earnings coverage of net charge-offs (x) | 53.2574% | 1,205 |
| Efficiency ratio | 57.7621% | 3,308 |
| Assets per employee ($millions) | 5.7473% | 2,941 |
| Cash dividends to net income (ytd only)* | 65.5728% | 692 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9184% | 744 |
| Loan loss allowance to noncurrent loans | 82.8790% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 0.7890% | 907 |
| Noncurrent loans to loans | 2.3147% | 350 |
| Net loans and leases to total assets | 33.4331% | 4,491 |
| Net loans and leases to deposits | 38.2741% | 4,513 |
| Net loans and leases to core deposits | 39.0959% | 4,538 |
| Total domestic deposits to total assets | 87.3517% | 2,185 |
| Equity capital to assets | 11.7680% | 1,505 |
| Core capital (leverage) ratio | 10.6750% | 1,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0076% | 691 |
| Memoranda: |
| Average total assets | $397,311,250 | 2,017 |
| Average earning assets | $372,240,500 | 2,013 |
| Average equity | $48,013,250 | 1,841 |
| Average total loans | $135,718,000 | 2,813 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9619% | 1,650 |
| Cost of funding earning assets | 0.1669% | 4,071 |
| Net interest margin | 3.7950% | 1,147 |
| Noninterest income to average assets | 0.6401% | 2,043 |
| Noninterest expense to average assets | 2.4767% | 2,218 |
| Loan and lease loss provision to assets | 0.1480% | 808 |
| Net operating income to assets | 1.5661% | 1,127 |
| Return on assets (ROA) | 1.5661% | 1,190 |
| Pretax return on assets | 1.5661% | 1,833 |
| Return on Equity (ROE) | 12.8408% | 1,771 |
| Retained earnings to average equity (ytd only) | 2.0425% | 4,101 |
| Net charge-offs to loans | 0.0030% | 2,080 |
| Credit loss provision to net charge-offs | 14,500.0000% | 35 |
| Earnings coverage of net charge-offs (x) | 1,679.0000% | 68 |
| Efficiency ratio | 59.0987% | 3,139 |
| Assets per employee ($millions) | 5.5294% | 3,095 |
| Cash dividends to net income (ytd only)* | 84.0939% | 433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8575% | 798 |
| Loan loss allowance to noncurrent loans | 75.0215% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 0.8639% | 903 |
| Noncurrent loans to loans | 2.4760% | 334 |
| Net loans and leases to total assets | 34.2421% | 4,532 |
| Net loans and leases to deposits | 39.1911% | 4,543 |
| Net loans and leases to core deposits | 40.2449% | 4,573 |
| Total domestic deposits to total assets | 87.3723% | 2,142 |
| Equity capital to assets | 11.8060% | 1,458 |
| Core capital (leverage) ratio | 10.6025% | 1,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1545% | 686 |
| Memoranda: |
| Average total assets | $391,812,000 | 2,029 |
| Average earning assets | $366,588,667 | 2,030 |
| Average equity | $47,785,333 | 1,839 |
| Average total loans | $133,939,000 | 2,849 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5100% | 2,890 |
| Cost of funding earning assets | 0.1675% | 4,185 |
| Net interest margin | 3.3425% | 2,268 |
| Noninterest income to average assets | 0.6447% | 2,049 |
| Noninterest expense to average assets | 2.4193% | 2,439 |
| Loan and lease loss provision to assets | 0.1244% | 1,106 |
| Net operating income to assets | 1.2252% | 2,056 |
| Return on assets (ROA) | 1.2252% | 2,136 |
| Pretax return on assets | 1.2252% | 2,772 |
| Return on Equity (ROE) | 9.8807% | 2,736 |
| Retained earnings to average equity (ytd only) | 9.8807% | 1,685 |
| Net charge-offs to loans | -0.0092% | 3,640 |
| Credit loss provision to net charge-offs | -4,000.0000% | 3,686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1914% | 2,440 |
| Assets per employee ($millions) | 5.4558% | 3,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7946% | 880 |
| Loan loss allowance to noncurrent loans | 67.6698% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 0.9232% | 919 |
| Noncurrent loans to loans | 2.6519% | 336 |
| Net loans and leases to total assets | 33.6774% | 4,586 |
| Net loans and leases to deposits | 38.5486% | 4,609 |
| Net loans and leases to core deposits | 39.6172% | 4,633 |
| Total domestic deposits to total assets | 87.3634% | 2,152 |
| Equity capital to assets | 11.8522% | 1,358 |
| Core capital (leverage) ratio | 11.3355% | 1,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8013% | 532 |
| Memoranda: |
| Average total assets | $385,896,500 | 2,043 |
| Average earning assets | $360,688,500 | 2,043 |
| Average equity | $47,851,000 | 1,829 |
| Average total loans | $129,977,000 | 2,901 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8131% | 3,262 |
| Cost of funding earning assets | 0.2100% | 4,550 |
| Net interest margin | 3.6031% | 2,133 |
| Noninterest income to average assets | 0.6563% | 1,999 |
| Noninterest expense to average assets | 2.7484% | 2,084 |
| Loan and lease loss provision to assets | 0.1714% | 2,243 |
| Net operating income to assets | 1.0823% | 1,981 |
| Return on assets (ROA) | 1.6223% | 663 |
| Pretax return on assets | 1.6223% | 1,022 |
| Return on Equity (ROE) | 13.3206% | 961 |
| Retained earnings to average equity (ytd only) | 6.9590% | 1,413 |
| Net charge-offs to loans | 0.1856% | 913 |
| Credit loss provision to net charge-offs | 243.1452% | 1,967 |
| Earnings coverage of net charge-offs (x) | 17.7863% | 2,055 |
| Efficiency ratio | 68.3758% | 2,183 |
| Assets per employee ($millions) | 5.2608% | 3,086 |
| Cash dividends to net income (ytd only)* | 47.7575% | 1,962 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8869% | 747 |
| Loan loss allowance to noncurrent loans | 59.3878% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 1.0564% | 887 |
| Noncurrent loans to loans | 3.1773% | 257 |
| Net loans and leases to total assets | 32.4071% | 4,695 |
| Net loans and leases to deposits | 37.9043% | 4,702 |
| Net loans and leases to core deposits | 38.8099% | 4,727 |
| Total domestic deposits to total assets | 85.4972% | 2,574 |
| Equity capital to assets | 12.9840% | 1,093 |
| Core capital (leverage) ratio | 11.5083% | 1,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3381% | 486 |
| Memoranda: |
| Average total assets | $351,841,400 | 2,038 |
| Average earning assets | $326,719,600 | 2,044 |
| Average equity | $42,850,800 | 1,914 |
| Average total loans | $133,596,000 | 2,820 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8145% | 3,518 |
| Cost of funding earning assets | 0.2197% | 4,608 |
| Net interest margin | 3.5948% | 2,287 |
| Noninterest income to average assets | 0.6539% | 1,971 |
| Noninterest expense to average assets | 2.7827% | 2,015 |
| Loan and lease loss provision to assets | 0.1039% | 3,023 |
| Net operating income to assets | 1.0984% | 1,986 |
| Return on assets (ROA) | 1.1454% | 1,951 |
| Pretax return on assets | 1.1454% | 2,579 |
| Return on Equity (ROE) | 9.5753% | 2,177 |
| Retained earnings to average equity (ytd only) | 6.9337% | 1,729 |
| Net charge-offs to loans | 0.0774% | 1,539 |
| Credit loss provision to net charge-offs | 341.7722% | 1,634 |
| Earnings coverage of net charge-offs (x) | 39.5443% | 1,368 |
| Efficiency ratio | 69.4224% | 1,975 |
| Assets per employee ($millions) | 4.9704% | 3,285 |
| Cash dividends to net income (ytd only)* | 27.5874% | 2,470 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5660% | 1,191 |
| Loan loss allowance to noncurrent loans | 54.4540% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 1.0804% | 983 |
| Noncurrent loans to loans | 2.8758% | 338 |
| Net loans and leases to total assets | 36.9824% | 4,643 |
| Net loans and leases to deposits | 43.9438% | 4,660 |
| Net loans and leases to core deposits | 45.0357% | 4,685 |
| Total domestic deposits to total assets | 84.1584% | 2,763 |
| Equity capital to assets | 13.3224% | 1,061 |
| Core capital (leverage) ratio | 11.2993% | 1,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1253% | 445 |
| Memoranda: |
| Average total assets | $346,421,750 | 2,043 |
| Average earning assets | $321,014,750 | 2,053 |
| Average equity | $41,439,000 | 1,954 |
| Average total loans | $136,151,250 | 2,795 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8821% | 3,670 |
| Cost of funding earning assets | 0.2314% | 4,680 |
| Net interest margin | 3.6507% | 2,315 |
| Noninterest income to average assets | 0.6266% | 2,026 |
| Noninterest expense to average assets | 2.9385% | 1,741 |
| Loan and lease loss provision to assets | 0.1061% | 2,946 |
| Net operating income to assets | 0.9573% | 2,468 |
| Return on assets (ROA) | 1.0292% | 2,351 |
| Pretax return on assets | 1.0292% | 2,934 |
| Return on Equity (ROE) | 8.9726% | 2,373 |
| Retained earnings to average equity (ytd only) | 6.1154% | 2,022 |
| Net charge-offs to loans | 0.0162% | 2,411 |
| Credit loss provision to net charge-offs | 1,636.3636% | 566 |
| Earnings coverage of net charge-offs (x) | 164.0000% | 508 |
| Efficiency ratio | 72.9710% | 1,571 |
| Assets per employee ($millions) | 4.9046% | 3,293 |
| Cash dividends to net income (ytd only)* | 31.8442% | 2,280 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5664% | 1,084 |
| Loan loss allowance to noncurrent loans | 60.2362% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 0.9667% | 1,246 |
| Noncurrent loans to loans | 2.6003% | 434 |
| Net loans and leases to total assets | 36.5942% | 4,707 |
| Net loans and leases to deposits | 43.5143% | 4,713 |
| Net loans and leases to core deposits | 44.4446% | 4,745 |
| Total domestic deposits to total assets | 84.0970% | 2,719 |
| Equity capital to assets | 12.8854% | 1,215 |
| Core capital (leverage) ratio | 11.5105% | 1,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3274% | 433 |
| Memoranda: |
| Average total assets | $339,292,333 | 2,052 |
| Average earning assets | $313,695,667 | 2,055 |
| Average equity | $38,918,333 | 2,043 |
| Average total loans | $135,472,000 | 2,800 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0951% | 3,538 |
| Cost of funding earning assets | 0.2468% | 4,782 |
| Net interest margin | 3.8484% | 1,828 |
| Noninterest income to average assets | 0.7089% | 1,621 |
| Noninterest expense to average assets | 3.0214% | 1,837 |
| Loan and lease loss provision to assets | 0.1477% | 1,920 |
| Net operating income to assets | 1.0904% | 1,875 |
| Return on assets (ROA) | 1.2049% | 1,614 |
| Pretax return on assets | 1.2049% | 2,179 |
| Return on Equity (ROE) | 11.2923% | 1,332 |
| Retained earnings to average equity (ytd only) | 11.2923% | 522 |
| Net charge-offs to loans | 0.0564% | 1,444 |
| Credit loss provision to net charge-offs | 631.5789% | 768 |
| Earnings coverage of net charge-offs (x) | 52.9474% | 862 |
| Efficiency ratio | 70.4999% | 2,280 |
| Assets per employee ($millions) | 4.0108% | 3,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5478% | 1,197 |
| Loan loss allowance to noncurrent loans | 48.0093% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 1.3298% | 866 |
| Noncurrent loans to loans | 3.2240% | 307 |
| Net loans and leases to total assets | 40.6077% | 4,644 |
| Net loans and leases to deposits | 46.4098% | 4,710 |
| Net loans and leases to core deposits | 47.2527% | 4,749 |
| Total domestic deposits to total assets | 87.4982% | 1,337 |
| Equity capital to assets | 10.6808% | 3,161 |
| Core capital (leverage) ratio | 9.9193% | 3,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1212% | 850 |
| Memoranda: |
| Average total assets | $325,017,500 | 2,069 |
| Average earning assets | $299,867,000 | 2,076 |
| Average equity | $34,678,500 | 2,218 |
| Average total loans | $134,832,500 | 2,780 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1769% | 3,862 |
| Cost of funding earning assets | 0.3008% | 4,726 |
| Net interest margin | 3.8761% | 2,260 |
| Noninterest income to average assets | 0.7622% | 1,577 |
| Noninterest expense to average assets | 3.0296% | 1,938 |
| Loan and lease loss provision to assets | 0.2056% | 982 |
| Net operating income to assets | 1.1154% | 2,380 |
| Return on assets (ROA) | 1.1289% | 2,436 |
| Pretax return on assets | 1.1289% | 3,083 |
| Return on Equity (ROE) | 10.9992% | 1,891 |
| Retained earnings to average equity (ytd only) | 4.5759% | 2,665 |
| Net charge-offs to loans | 0.3246% | 639 |
| Credit loss provision to net charge-offs | 148.6425% | 1,726 |
| Earnings coverage of net charge-offs (x) | 9.5520% | 2,651 |
| Efficiency ratio | 69.1837% | 2,292 |
| Assets per employee ($millions) | 4.0645% | 3,827 |
| Cash dividends to net income (ytd only)* | 58.3980% | 1,645 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4543% | 1,351 |
| Loan loss allowance to noncurrent loans | 39.0770% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 1.5666% | 631 |
| Noncurrent loans to loans | 3.7216% | 209 |
| Net loans and leases to total assets | 41.1163% | 4,698 |
| Net loans and leases to deposits | 46.2356% | 4,781 |
| Net loans and leases to core deposits | 47.0102% | 4,812 |
| Total domestic deposits to total assets | 88.9277% | 697 |
| Equity capital to assets | 10.6587% | 3,299 |
| Core capital (leverage) ratio | 9.6045% | 3,957 |
| Tier 1 risk-based capital ratio | 18.5675% | 1,617 |
| Total risk-based capital ratio | 19.7873% | 1,593 |
| Memoranda: |
| Average total assets | $319,611,800 | 2,040 |
| Average earning assets | $295,892,400 | 2,053 |
| Average equity | $32,802,400 | 2,252 |
| Average total loans | $136,183,200 | 2,765 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1818% | 3,959 |
| Cost of funding earning assets | 0.3100% | 4,771 |
| Net interest margin | 3.8718% | 2,359 |
| Noninterest income to average assets | 0.7705% | 1,518 |
| Noninterest expense to average assets | 3.0162% | 1,929 |
| Loan and lease loss provision to assets | 0.2107% | 824 |
| Net operating income to assets | 1.1275% | 2,465 |
| Return on assets (ROA) | 1.1346% | 2,524 |
| Pretax return on assets | 1.1346% | 3,188 |
| Return on Equity (ROE) | 11.1650% | 1,947 |
| Retained earnings to average equity (ytd only) | 4.5930% | 3,108 |
| Net charge-offs to loans | 0.3687% | 458 |
| Credit loss provision to net charge-offs | 133.4218% | 1,788 |
| Earnings coverage of net charge-offs (x) | 8.4722% | 2,651 |
| Efficiency ratio | 68.8155% | 2,285 |
| Assets per employee ($millions) | 3.8556% | 4,093 |
| Cash dividends to net income (ytd only)* | 58.8626% | 1,330 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3755% | 1,666 |
| Loan loss allowance to noncurrent loans | 37.2111% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 1.6014% | 654 |
| Noncurrent loans to loans | 3.6963% | 201 |
| Net loans and leases to total assets | 42.7276% | 4,732 |
| Net loans and leases to deposits | 48.1767% | 4,815 |
| Net loans and leases to core deposits | 49.0313% | 4,860 |
| Total domestic deposits to total assets | 88.6894% | 747 |
| Equity capital to assets | 10.9488% | 3,143 |
| Core capital (leverage) ratio | 9.5323% | 4,135 |
| Tier 1 risk-based capital ratio | 18.2229% | 1,755 |
| Total risk-based capital ratio | 19.3822% | 1,740 |
| Memoranda: |
| Average total assets | $318,224,000 | 2,058 |
| Average earning assets | $294,568,750 | 2,072 |
| Average equity | $32,338,500 | 2,293 |
| Average total loans | $136,312,000 | 2,787 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1316% | 4,089 |
| Cost of funding earning assets | 0.3159% | 4,785 |
| Net interest margin | 3.8157% | 2,535 |
| Noninterest income to average assets | 0.7501% | 1,525 |
| Noninterest expense to average assets | 3.0259% | 1,927 |
| Loan and lease loss provision to assets | 0.2101% | 802 |
| Net operating income to assets | 1.0442% | 2,748 |
| Return on assets (ROA) | 1.0511% | 2,787 |
| Pretax return on assets | 1.0511% | 3,381 |
| Return on Equity (ROE) | 10.6145% | 2,133 |
| Retained earnings to average equity (ytd only) | 2.1723% | 4,064 |
| Net charge-offs to loans | 0.1146% | 1,279 |
| Credit loss provision to net charge-offs | 429.4872% | 668 |
| Earnings coverage of net charge-offs (x) | 25.6410% | 1,590 |
| Efficiency ratio | 70.2418% | 2,189 |
| Assets per employee ($millions) | 3.9677% | 3,910 |
| Cash dividends to net income (ytd only)* | 79.5346% | 838 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4300% | 1,491 |
| Loan loss allowance to noncurrent loans | 37.6424% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 1.6453% | 648 |
| Noncurrent loans to loans | 3.7989% | 201 |
| Net loans and leases to total assets | 42.6904% | 4,759 |
| Net loans and leases to deposits | 47.7399% | 4,853 |
| Net loans and leases to core deposits | 48.7040% | 4,894 |
| Total domestic deposits to total assets | 89.4229% | 498 |
| Equity capital to assets | 10.2676% | 3,726 |
| Core capital (leverage) ratio | 9.3382% | 4,322 |
| Tier 1 risk-based capital ratio | 16.9893% | 2,095 |
| Total risk-based capital ratio | 18.1751% | 2,048 |
| Memoranda: |
| Average total assets | $318,911,000 | 2,055 |
| Average earning assets | $295,044,000 | 2,070 |
| Average equity | $31,579,330 | 2,330 |
| Average total loans | $136,091,670 | 2,802 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1102% | 4,095 |
| Cost of funding earning assets | 0.3175% | 4,788 |
| Net interest margin | 3.7927% | 2,554 |
| Noninterest income to average assets | 0.7387% | 1,470 |
| Noninterest expense to average assets | 2.8623% | 2,382 |
| Loan and lease loss provision to assets | 0.2129% | 730 |
| Net operating income to assets | 1.1746% | 2,154 |
| Return on assets (ROA) | 1.1733% | 2,215 |
| Pretax return on assets | 1.1733% | 2,908 |
| Return on Equity (ROE) | 12.0785% | 1,504 |
| Retained earnings to average equity (ytd only) | 3.1435% | 3,681 |
| Net charge-offs to loans | 0.2424% | 599 |
| Credit loss provision to net charge-offs | 207.4074% | 1,030 |
| Earnings coverage of net charge-offs (x) | 13.5185% | 1,835 |
| Efficiency ratio | 66.8754% | 2,815 |
| Assets per employee ($millions) | 4.0017% | 3,921 |
| Cash dividends to net income (ytd only)* | 73.9741% | 1,033 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3637% | 1,815 |
| Loan loss allowance to noncurrent loans | 33.3394% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 1.7505% | 613 |
| Noncurrent loans to loans | 4.0904% | 180 |
| Net loans and leases to total assets | 42.2118% | 4,820 |
| Net loans and leases to deposits | 47.0804% | 4,895 |
| Net loans and leases to core deposits | 48.2061% | 4,933 |
| Total domestic deposits to total assets | 89.6589% | 573 |
| Equity capital to assets | 10.0861% | 3,733 |
| Core capital (leverage) ratio | 9.3251% | 4,339 |
| Tier 1 risk-based capital ratio | 17.3257% | 2,004 |
| Total risk-based capital ratio | 18.4389% | 1,995 |
| Memoranda: |
| Average total assets | $315,689,500 | 2,092 |
| Average earning assets | $292,247,500 | 2,098 |
| Average equity | $30,666,000 | 2,371 |
| Average total loans | $133,682,500 | 2,861 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8276% | 4,427 |
| Cost of funding earning assets | 0.3043% | 4,557 |
| Net interest margin | 3.5232% | 3,622 |
| Noninterest income to average assets | 0.8059% | 1,429 |
| Noninterest expense to average assets | 2.7767% | 2,766 |
| Loan and lease loss provision to assets | 0.0885% | 2,374 |
| Net operating income to assets | 1.2070% | 2,136 |
| Return on assets (ROA) | 1.1907% | 2,216 |
| Pretax return on assets | 1.1907% | 2,915 |
| Return on Equity (ROE) | 13.1584% | 1,284 |
| Retained earnings to average equity (ytd only) | -1.7133% | 5,113 |
| Net charge-offs to loans | 0.3241% | 598 |
| Credit loss provision to net charge-offs | 68.6131% | 3,008 |
| Earnings coverage of net charge-offs (x) | 10.0438% | 2,759 |
| Efficiency ratio | 67.7096% | 2,597 |
| Assets per employee ($millions) | 3.7529% | 4,239 |
| Cash dividends to net income (ytd only)* | 113.0206% | 181 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3311% | 1,900 |
| Loan loss allowance to noncurrent loans | 27.1422% | 4,675 |
| Noncurrent assets plus other real estate owned to assets | 2.0546% | 456 |
| Noncurrent loans to loans | 4.9041% | 114 |
| Net loans and leases to total assets | 41.3381% | 4,900 |
| Net loans and leases to deposits | 45.7547% | 4,988 |
| Net loans and leases to core deposits | 46.8880% | 5,009 |
| Total domestic deposits to total assets | 90.3471% | 364 |
| Equity capital to assets | 9.3408% | 4,283 |
| Core capital (leverage) ratio | 9.2074% | 4,448 |
| Tier 1 risk-based capital ratio | 17.2708% | 1,962 |
| Total risk-based capital ratio | 18.3384% | 1,980 |
| Memoranda: |
| Average total assets | $318,649,000 | 2,051 |
| Average earning assets | $295,410,600 | 2,046 |
| Average equity | $28,833,200 | 2,406 |
| Average total loans | $126,816,200 | 2,914 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7655% | 4,512 |
| Cost of funding earning assets | 0.3005% | 4,513 |
| Net interest margin | 3.4650% | 3,822 |
| Noninterest income to average assets | 0.8058% | 1,455 |
| Noninterest expense to average assets | 2.6799% | 3,031 |
| Loan and lease loss provision to assets | 0.0405% | 3,194 |
| Net operating income to assets | 1.2995% | 1,861 |
| Return on assets (ROA) | 1.2707% | 1,966 |
| Pretax return on assets | 1.2707% | 2,722 |
| Return on Equity (ROE) | 14.1559% | 1,078 |
| Retained earnings to average equity (ytd only) | -4.4257% | 5,299 |
| Net charge-offs to loans | 0.0903% | 1,601 |
| Credit loss provision to net charge-offs | 114.1176% | 2,059 |
| Earnings coverage of net charge-offs (x) | 37.7767% | 1,404 |
| Efficiency ratio | 66.1788% | 2,838 |
| Assets per employee ($millions) | 3.8648% | 4,084 |
| Cash dividends to net income (ytd only)* | 131.2643% | 111 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4629% | 1,480 |
| Loan loss allowance to noncurrent loans | 26.0530% | 4,808 |
| Noncurrent assets plus other real estate owned to assets | 2.3000% | 408 |
| Noncurrent loans to loans | 5.6150% | 99 |
| Net loans and leases to total assets | 40.3623% | 5,018 |
| Net loans and leases to deposits | 44.3555% | 5,105 |
| Net loans and leases to core deposits | 45.5749% | 5,120 |
| Total domestic deposits to total assets | 90.9973% | 222 |
| Equity capital to assets | 8.7070% | 4,793 |
| Core capital (leverage) ratio | 8.9681% | 4,734 |
| Tier 1 risk-based capital ratio | 16.1269% | 2,395 |
| Total risk-based capital ratio | 17.2203% | 2,398 |
| Memoranda: |
| Average total assets | $319,500,750 | 2,059 |
| Average earning assets | $296,368,750 | 2,049 |
| Average equity | $28,680,000 | 2,424 |
| Average total loans | $125,502,000 | 2,960 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7093% | 4,562 |
| Cost of funding earning assets | 0.3053% | 4,378 |
| Net interest margin | 3.4040% | 3,942 |
| Noninterest income to average assets | 0.7772% | 1,546 |
| Noninterest expense to average assets | 2.6189% | 3,270 |
| Loan and lease loss provision to assets | 0.0406% | 3,101 |
| Net operating income to assets | 1.2779% | 1,865 |
| Return on assets (ROA) | 1.2736% | 1,887 |
| Pretax return on assets | 1.2736% | 2,621 |
| Return on Equity (ROE) | 14.0486% | 1,067 |
| Retained earnings to average equity (ytd only) | -8.6840% | 5,394 |
| Net charge-offs to loans | 0.0081% | 2,838 |
| Credit loss provision to net charge-offs | 1,300.0000% | 321 |
| Earnings coverage of net charge-offs (x) | 422.4000% | 219 |
| Efficiency ratio | 66.0219% | 2,977 |
| Assets per employee ($millions) | 3.9522% | 3,981 |
| Cash dividends to net income (ytd only)* | 161.8137% | 108 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5693% | 1,180 |
| Loan loss allowance to noncurrent loans | 27.3072% | 4,804 |
| Noncurrent assets plus other real estate owned to assets | 2.2272% | 433 |
| Noncurrent loans to loans | 5.7467% | 98 |
| Net loans and leases to total assets | 38.1481% | 5,119 |
| Net loans and leases to deposits | 41.8999% | 5,197 |
| Net loans and leases to core deposits | 43.1799% | 5,210 |
| Total domestic deposits to total assets | 91.0459% | 241 |
| Equity capital to assets | 8.7030% | 4,802 |
| Core capital (leverage) ratio | 8.7654% | 4,916 |
| Tier 1 risk-based capital ratio | 15.9584% | 2,451 |
| Total risk-based capital ratio | 17.0801% | 2,440 |
| Memoranda: |
| Average total assets | $320,362,000 | 2,062 |
| Average earning assets | $297,411,000 | 2,059 |
| Average equity | $29,042,000 | 2,411 |
| Average total loans | $124,064,670 | 2,988 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6448% | 4,610 |
| Cost of funding earning assets | 0.3163% | 4,224 |
| Net interest margin | 3.3285% | 4,113 |
| Noninterest income to average assets | 0.7751% | 1,536 |
| Noninterest expense to average assets | 2.5375% | 3,536 |
| Loan and lease loss provision to assets | 0.0399% | 2,955 |
| Net operating income to assets | 1.2843% | 1,699 |
| Return on assets (ROA) | 1.2843% | 1,705 |
| Pretax return on assets | 1.2843% | 2,427 |
| Return on Equity (ROE) | 13.8902% | 1,042 |
| Retained earnings to average equity (ytd only) | -14.9161% | 5,455 |
| Net charge-offs to loans | -0.0097% | 4,231 |
| Credit loss provision to net charge-offs | -1,066.6667% | 4,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1907% | 3,290 |
| Assets per employee ($millions) | 4.1198% | 3,772 |
| Cash dividends to net income (ytd only)* | 207.3858% | 178 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5505% | 1,285 |
| Loan loss allowance to noncurrent loans | 67.7237% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 0.8832% | 1,801 |
| Noncurrent loans to loans | 2.2894% | 629 |
| Net loans and leases to total assets | 37.9789% | 5,139 |
| Net loans and leases to deposits | 41.7349% | 5,227 |
| Net loans and leases to core deposits | 43.2344% | 5,233 |
| Total domestic deposits to total assets | 91.0002% | 321 |
| Equity capital to assets | 8.7860% | 4,754 |
| Core capital (leverage) ratio | 8.8769% | 4,820 |
| Tier 1 risk-based capital ratio | 16.6327% | 2,235 |
| Total risk-based capital ratio | 17.7813% | 2,215 |
| Memoranda: |
| Average total assets | $320,477,500 | 2,071 |
| Average earning assets | $297,192,000 | 2,080 |
| Average equity | $29,632,500 | 2,399 |
| Average total loans | $124,061,500 | 3,013 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5034% | 4,784 |
| Cost of funding earning assets | 0.2985% | 4,160 |
| Net interest margin | 3.2050% | 4,436 |
| Noninterest income to average assets | 0.8113% | 1,526 |
| Noninterest expense to average assets | 2.6579% | 3,264 |
| Loan and lease loss provision to assets | 0.1990% | 1,043 |
| Net operating income to assets | 0.9293% | 2,552 |
| Return on assets (ROA) | 0.9358% | 2,554 |
| Pretax return on assets | 0.9358% | 3,789 |
| Return on Equity (ROE) | 9.1851% | 2,222 |
| Retained earnings to average equity (ytd only) | 2.4606% | 3,861 |
| Net charge-offs to loans | 0.0726% | 2,410 |
| Credit loss provision to net charge-offs | 665.2174% | 491 |
| Earnings coverage of net charge-offs (x) | 37.7174% | 1,309 |
| Efficiency ratio | 69.3834% | 2,638 |
| Assets per employee ($millions) | 3.8977% | 4,125 |
| Cash dividends to net income (ytd only)* | 73.2106% | 1,105 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5198% | 1,343 |
| Loan loss allowance to noncurrent loans | 62.7536% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 0.9408% | 1,650 |
| Noncurrent loans to loans | 2.4219% | 574 |
| Net loans and leases to total assets | 38.2563% | 5,208 |
| Net loans and leases to deposits | 42.5332% | 5,281 |
| Net loans and leases to core deposits | 45.8377% | 5,239 |
| Total domestic deposits to total assets | 89.9444% | 589 |
| Equity capital to assets | 9.7092% | 4,023 |
| Core capital (leverage) ratio | 9.3346% | 4,244 |
| Tier 1 risk-based capital ratio | 17.2766% | 2,005 |
| Total risk-based capital ratio | 18.4035% | 1,995 |
| Memoranda: |
| Average total assets | $307,541,400 | 2,132 |
| Average earning assets | $285,462,800 | 2,127 |
| Average equity | $31,333,400 | 2,268 |
| Average total loans | $126,666,200 | 2,971 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4729% | 4,858 |
| Cost of funding earning assets | 0.2862% | 4,259 |
| Net interest margin | 3.1867% | 4,484 |
| Noninterest income to average assets | 0.8266% | 1,488 |
| Noninterest expense to average assets | 2.6738% | 3,146 |
| Loan and lease loss provision to assets | 0.1729% | 1,163 |
| Net operating income to assets | 0.9435% | 2,814 |
| Return on assets (ROA) | 0.9532% | 2,826 |
| Pretax return on assets | 0.9532% | 3,854 |
| Return on Equity (ROE) | 9.2413% | 2,474 |
| Retained earnings to average equity (ytd only) | 2.1649% | 4,563 |
| Net charge-offs to loans | 0.1068% | 1,715 |
| Credit loss provision to net charge-offs | 387.2549% | 789 |
| Earnings coverage of net charge-offs (x) | 24.9994% | 1,748 |
| Efficiency ratio | 69.6315% | 2,597 |
| Assets per employee ($millions) | 3.8325% | 4,258 |
| Cash dividends to net income (ytd only)* | 76.5733% | 745 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3340% | 2,187 |
| Loan loss allowance to noncurrent loans | 54.6952% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 0.9541% | 1,785 |
| Noncurrent loans to loans | 2.4390% | 636 |
| Net loans and leases to total assets | 38.5977% | 5,244 |
| Net loans and leases to deposits | 43.3019% | 5,327 |
| Net loans and leases to core deposits | 47.2274% | 5,282 |
| Total domestic deposits to total assets | 89.1362% | 812 |
| Equity capital to assets | 10.1020% | 3,801 |
| Core capital (leverage) ratio | 9.7734% | 3,853 |
| Tier 1 risk-based capital ratio | 17.2225% | 2,087 |
| Total risk-based capital ratio | 18.2221% | 2,119 |
| Memoranda: |
| Average total assets | $304,523,500 | 2,161 |
| Average earning assets | $283,212,000 | 2,155 |
| Average equity | $31,408,750 | 2,273 |
| Average total loans | $127,293,000 | 2,980 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5231% | 4,706 |
| Cost of funding earning assets | 0.2851% | 4,234 |
| Net interest margin | 3.2380% | 4,296 |
| Noninterest income to average assets | 0.8393% | 1,444 |
| Noninterest expense to average assets | 2.7267% | 2,989 |
| Loan and lease loss provision to assets | 0.1333% | 1,559 |
| Net operating income to assets | 0.9853% | 2,504 |
| Return on assets (ROA) | 0.9987% | 2,477 |
| Pretax return on assets | 0.9987% | 3,575 |
| Return on Equity (ROE) | 9.6127% | 2,208 |
| Retained earnings to average equity (ytd only) | 3.1315% | 3,844 |
| Net charge-offs to loans | -0.0218% | 4,810 |
| Credit loss provision to net charge-offs | -1,428.5714% | 4,888 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9896% | 2,678 |
| Assets per employee ($millions) | 3.9773% | 3,991 |
| Cash dividends to net income (ytd only)* | 67.4232% | 1,224 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2627% | 2,609 |
| Loan loss allowance to noncurrent loans | 83.6066% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 0.6376% | 2,646 |
| Noncurrent loans to loans | 1.5103% | 1,242 |
| Net loans and leases to total assets | 41.4439% | 5,173 |
| Net loans and leases to deposits | 46.8722% | 5,256 |
| Net loans and leases to core deposits | 49.0716% | 5,249 |
| Total domestic deposits to total assets | 88.4188% | 1,249 |
| Equity capital to assets | 10.8068% | 3,026 |
| Core capital (leverage) ratio | 9.8278% | 3,744 |
| Tier 1 risk-based capital ratio | 18.2830% | 1,781 |
| Total risk-based capital ratio | 19.2961% | 1,798 |
| Memoranda: |
| Average total assets | $300,000,000 | 2,191 |
| Average earning assets | $278,507,670 | 2,184 |
| Average equity | $31,167,000 | 2,282 |
| Average total loans | $128,245,000 | 2,974 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4928% | 4,711 |
| Cost of funding earning assets | 0.2753% | 4,296 |
| Net interest margin | 3.2175% | 4,282 |
| Noninterest income to average assets | 0.8655% | 1,346 |
| Noninterest expense to average assets | 2.5288% | 3,723 |
| Loan and lease loss provision to assets | 0.1994% | 827 |
| Net operating income to assets | 1.1208% | 1,790 |
| Return on assets (ROA) | 1.1368% | 1,759 |
| Pretax return on assets | 1.1368% | 2,836 |
| Return on Equity (ROE) | 11.1646% | 1,513 |
| Retained earnings to average equity (ytd only) | 9.5715% | 910 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8014% | 3,700 |
| Assets per employee ($millions) | 3.8862% | 4,204 |
| Cash dividends to net income (ytd only)* | 14.2690% | 2,628 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1834% | 3,232 |
| Loan loss allowance to noncurrent loans | 82.0000% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 0.6143% | 2,798 |
| Noncurrent loans to loans | 1.4432% | 1,395 |
| Net loans and leases to total assets | 41.7880% | 5,174 |
| Net loans and leases to deposits | 47.2822% | 5,253 |
| Net loans and leases to core deposits | 49.8269% | 5,228 |
| Total domestic deposits to total assets | 88.3800% | 1,497 |
| Equity capital to assets | 10.3832% | 3,315 |
| Core capital (leverage) ratio | 9.8876% | 3,638 |
| Tier 1 risk-based capital ratio | 17.9578% | 1,894 |
| Total risk-based capital ratio | 18.8876% | 1,949 |
| Memoranda: |
| Average total assets | $300,852,500 | 2,207 |
| Average earning assets | $278,972,000 | 2,194 |
| Average equity | $30,632,500 | 2,325 |
| Average total loans | $129,764,500 | 2,963 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5543% | 4,630 |
| Cost of funding earning assets | 0.2598% | 4,466 |
| Net interest margin | 3.2944% | 4,160 |
| Noninterest income to average assets | 0.7937% | 1,767 |
| Noninterest expense to average assets | 2.6795% | 3,413 |
| Loan and lease loss provision to assets | 0.1724% | 1,408 |
| Net operating income to assets | 0.9762% | 2,454 |
| Return on assets (ROA) | 1.0621% | 2,185 |
| Pretax return on assets | 1.0621% | 3,251 |
| Return on Equity (ROE) | 9.9027% | 1,997 |
| Retained earnings to average equity (ytd only) | 3.7442% | 3,255 |
| Net charge-offs to loans | 0.1411% | 1,851 |
| Credit loss provision to net charge-offs | 277.1739% | 1,051 |
| Earnings coverage of net charge-offs (x) | 18.4674% | 1,971 |
| Efficiency ratio | 69.0684% | 3,061 |
| Assets per employee ($millions) | 3.7323% | 4,426 |
| Cash dividends to net income (ytd only)* | 62.1897% | 1,661 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0407% | 4,070 |
| Loan loss allowance to noncurrent loans | 153.5955% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 0.3423% | 3,913 |
| Noncurrent loans to loans | 0.6776% | 2,835 |
| Net loans and leases to total assets | 43.5322% | 5,143 |
| Net loans and leases to deposits | 49.0872% | 5,246 |
| Net loans and leases to core deposits | 51.6492% | 5,244 |
| Total domestic deposits to total assets | 88.6833% | 1,277 |
| Equity capital to assets | 9.9797% | 3,747 |
| Core capital (leverage) ratio | 9.8647% | 3,672 |
| Tier 1 risk-based capital ratio | 17.6103% | 1,972 |
| Total risk-based capital ratio | 18.4520% | 2,047 |
| Memoranda: |
| Average total assets | $295,834,800 | 2,187 |
| Average earning assets | $272,490,600 | 2,195 |
| Average equity | $31,728,800 | 2,240 |
| Average total loans | $130,445,600 | 2,913 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5264% | 4,738 |
| Cost of funding earning assets | 0.2630% | 4,470 |
| Net interest margin | 3.2633% | 4,298 |
| Noninterest income to average assets | 0.7752% | 1,864 |
| Noninterest expense to average assets | 2.6680% | 3,433 |
| Loan and lease loss provision to assets | 0.2060% | 1,024 |
| Net operating income to assets | 0.9053% | 2,876 |
| Return on assets (ROA) | 1.0196% | 2,468 |
| Pretax return on assets | 1.0196% | 3,552 |
| Return on Equity (ROE) | 9.3422% | 2,339 |
| Retained earnings to average equity (ytd only) | 3.2286% | 3,979 |
| Net charge-offs to loans | 0.1372% | 1,612 |
| Credit loss provision to net charge-offs | 340.2985% | 947 |
| Earnings coverage of net charge-offs (x) | 18.3584% | 1,997 |
| Efficiency ratio | 69.6510% | 2,943 |
| Assets per employee ($millions) | 3.7619% | 4,374 |
| Cash dividends to net income (ytd only)* | 65.4407% | 1,200 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0337% | 4,216 |
| Loan loss allowance to noncurrent loans | 36.0201% | 5,056 |
| Noncurrent assets plus other real estate owned to assets | 1.3277% | 1,430 |
| Noncurrent loans to loans | 2.8698% | 553 |
| Net loans and leases to total assets | 44.4718% | 5,162 |
| Net loans and leases to deposits | 50.3189% | 5,285 |
| Net loans and leases to core deposits | 53.1109% | 5,259 |
| Total domestic deposits to total assets | 88.3799% | 1,196 |
| Equity capital to assets | 11.3185% | 2,685 |
| Core capital (leverage) ratio | 9.7762% | 3,835 |
| Tier 1 risk-based capital ratio | 17.7514% | 1,989 |
| Total risk-based capital ratio | 18.6101% | 2,074 |
| Memoranda: |
| Average total assets | $295,147,000 | 2,202 |
| Average earning assets | $271,698,000 | 2,205 |
| Average equity | $32,211,500 | 2,235 |
| Average total loans | $130,220,000 | 2,925 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5151% | 4,823 |
| Cost of funding earning assets | 0.2644% | 4,507 |
| Net interest margin | 3.2507% | 4,380 |
| Noninterest income to average assets | 0.7196% | 2,051 |
| Noninterest expense to average assets | 2.6356% | 3,588 |
| Loan and lease loss provision to assets | 0.2719% | 685 |
| Net operating income to assets | 0.7974% | 3,322 |
| Return on assets (ROA) | 0.9685% | 2,675 |
| Pretax return on assets | 0.9685% | 3,709 |
| Return on Equity (ROE) | 8.9843% | 2,497 |
| Retained earnings to average equity (ytd only) | 2.9801% | 4,018 |
| Net charge-offs to loans | 0.1558% | 1,399 |
| Credit loss provision to net charge-offs | 398.0198% | 780 |
| Earnings coverage of net charge-offs (x) | 15.6535% | 1,978 |
| Efficiency ratio | 70.1716% | 2,950 |
| Assets per employee ($millions) | 3.8222% | 4,230 |
| Cash dividends to net income (ytd only)* | 66.8296% | 1,288 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0079% | 4,471 |
| Loan loss allowance to noncurrent loans | 33.4913% | 5,208 |
| Noncurrent assets plus other real estate owned to assets | 1.3795% | 1,427 |
| Noncurrent loans to loans | 3.0095% | 496 |
| Net loans and leases to total assets | 44.8169% | 5,185 |
| Net loans and leases to deposits | 50.4672% | 5,314 |
| Net loans and leases to core deposits | 53.9093% | 5,283 |
| Total domestic deposits to total assets | 88.8040% | 1,008 |
| Equity capital to assets | 10.9445% | 3,116 |
| Core capital (leverage) ratio | 9.4795% | 4,232 |
| Tier 1 risk-based capital ratio | 17.4689% | 2,072 |
| Total risk-based capital ratio | 18.3110% | 2,151 |
| Memoranda: |
| Average total assets | $295,719,000 | 2,207 |
| Average earning assets | $271,571,670 | 2,226 |
| Average equity | $31,878,000 | 2,250 |
| Average total loans | $129,674,330 | 2,933 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4917% | 4,908 |
| Cost of funding earning assets | 0.2633% | 4,572 |
| Net interest margin | 3.2284% | 4,478 |
| Noninterest income to average assets | 0.6720% | 2,161 |
| Noninterest expense to average assets | 2.5720% | 3,842 |
| Loan and lease loss provision to assets | 0.0648% | 2,664 |
| Net operating income to assets | 0.9972% | 2,292 |
| Return on assets (ROA) | 0.9972% | 2,409 |
| Pretax return on assets | 0.9972% | 3,491 |
| Return on Equity (ROE) | 9.3215% | 2,275 |
| Retained earnings to average equity (ytd only) | 7.7574% | 1,562 |
| Net charge-offs to loans | 0.2377% | 859 |
| Credit loss provision to net charge-offs | 63.1579% | 1,958 |
| Earnings coverage of net charge-offs (x) | 10.3553% | 1,928 |
| Efficiency ratio | 69.8106% | 3,163 |
| Assets per employee ($millions) | 3.9638% | 4,016 |
| Cash dividends to net income (ytd only)* | 16.7794% | 2,603 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7905% | 5,390 |
| Loan loss allowance to noncurrent loans | 93.0211% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 0.3798% | 4,067 |
| Noncurrent loans to loans | 0.8498% | 2,723 |
| Net loans and leases to total assets | 42.2016% | 5,341 |
| Net loans and leases to deposits | 47.4134% | 5,444 |
| Net loans and leases to core deposits | 50.5825% | 5,421 |
| Total domestic deposits to total assets | 89.0078% | 1,096 |
| Equity capital to assets | 10.7878% | 3,172 |
| Core capital (leverage) ratio | 9.5481% | 4,104 |
| Tier 1 risk-based capital ratio | 19.1329% | 1,701 |
| Total risk-based capital ratio | 19.8255% | 1,788 |
| Memoranda: |
| Average total assets | $296,423,000 | 2,207 |
| Average earning assets | $271,963,000 | 2,228 |
| Average equity | $31,711,500 | 2,261 |
| Average total loans | $127,889,500 | 2,965 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5044% | 4,908 |
| Cost of funding earning assets | 0.2418% | 4,869 |
| Net interest margin | 3.2627% | 4,432 |
| Noninterest income to average assets | 0.6195% | 2,621 |
| Noninterest expense to average assets | 2.6436% | 3,775 |
| Loan and lease loss provision to assets | 0.0201% | 3,998 |
| Net operating income to assets | 1.0107% | 2,307 |
| Return on assets (ROA) | 1.0107% | 2,396 |
| Pretax return on assets | 1.0107% | 3,425 |
| Return on Equity (ROE) | 9.5027% | 2,218 |
| Retained earnings to average equity (ytd only) | 3.8727% | 3,280 |
| Net charge-offs to loans | 0.2532% | 1,187 |
| Credit loss provision to net charge-offs | 18.2965% | 3,762 |
| Earnings coverage of net charge-offs (x) | 9.3943% | 2,824 |
| Efficiency ratio | 70.9589% | 3,078 |
| Assets per employee ($millions) | 3.8368% | 4,232 |
| Cash dividends to net income (ytd only)* | 59.2466% | 1,783 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8156% | 5,370 |
| Loan loss allowance to noncurrent loans | 72.8992% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 0.5086% | 3,608 |
| Noncurrent loans to loans | 1.1188% | 2,102 |
| Net loans and leases to total assets | 43.4137% | 5,314 |
| Net loans and leases to deposits | 48.7449% | 5,453 |
| Net loans and leases to core deposits | 52.2835% | 5,403 |
| Total domestic deposits to total assets | 89.0630% | 1,091 |
| Equity capital to assets | 10.6054% | 3,240 |
| Core capital (leverage) ratio | 9.5427% | 4,113 |
| Tier 1 risk-based capital ratio | 18.5096% | 1,827 |
| Total risk-based capital ratio | 19.2121% | 1,935 |
| Memoranda: |
| Average total assets | $288,922,400 | 2,217 |
| Average earning assets | $270,515,600 | 2,195 |
| Average equity | $30,728,000 | 2,268 |
| Average total loans | $125,178,400 | 2,967 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5009% | 4,981 |
| Cost of funding earning assets | 0.2390% | 5,002 |
| Net interest margin | 3.2619% | 4,484 |
| Noninterest income to average assets | 0.6175% | 2,647 |
| Noninterest expense to average assets | 2.6559% | 3,701 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0292% | 2,335 |
| Return on assets (ROA) | 1.0292% | 2,422 |
| Pretax return on assets | 1.0292% | 3,508 |
| Return on Equity (ROE) | 9.6699% | 2,235 |
| Retained earnings to average equity (ytd only) | 4.2591% | 3,432 |
| Net charge-offs to loans | 0.1959% | 1,305 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 12.1587% | 2,432 |
| Efficiency ratio | 71.0807% | 3,029 |
| Assets per employee ($millions) | 3.8588% | 4,161 |
| Cash dividends to net income (ytd only)* | 55.9552% | 1,603 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9223% | 5,113 |
| Loan loss allowance to noncurrent loans | 85.2672% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 0.4549% | 3,976 |
| Noncurrent loans to loans | 1.0816% | 2,324 |
| Net loans and leases to total assets | 40.9177% | 5,548 |
| Net loans and leases to deposits | 45.9780% | 5,649 |
| Net loans and leases to core deposits | 49.3624% | 5,599 |
| Total domestic deposits to total assets | 88.9941% | 1,032 |
| Equity capital to assets | 10.7195% | 3,338 |
| Core capital (leverage) ratio | 9.5556% | 4,230 |
| Tier 1 risk-based capital ratio | 19.9648% | 1,560 |
| Total risk-based capital ratio | 20.7845% | 1,625 |
| Memoranda: |
| Average total assets | $288,253,750 | 2,234 |
| Average earning assets | $271,084,000 | 2,211 |
| Average equity | $30,678,750 | 2,287 |
| Average total loans | $124,564,500 | 3,005 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5284% | 4,916 |
| Cost of funding earning assets | 0.2398% | 5,059 |
| Net interest margin | 3.2885% | 4,342 |
| Noninterest income to average assets | 0.6044% | 2,707 |
| Noninterest expense to average assets | 2.6778% | 3,663 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0175% | 2,307 |
| Return on assets (ROA) | 1.0175% | 2,411 |
| Pretax return on assets | 1.0175% | 3,510 |
| Return on Equity (ROE) | 9.5839% | 2,263 |
| Retained earnings to average equity (ytd only) | 4.3844% | 3,224 |
| Net charge-offs to loans | 0.3086% | 857 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 7.5155% | 2,661 |
| Efficiency ratio | 71.4636% | 3,076 |
| Assets per employee ($millions) | 3.6963% | 4,434 |
| Cash dividends to net income (ytd only)* | 54.2524% | 1,764 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9079% | 5,274 |
| Loan loss allowance to noncurrent loans | 137.0508% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 0.2882% | 4,721 |
| Noncurrent loans to loans | 0.6625% | 3,489 |
| Net loans and leases to total assets | 41.8675% | 5,512 |
| Net loans and leases to deposits | 46.9570% | 5,632 |
| Net loans and leases to core deposits | 48.9364% | 5,655 |
| Total domestic deposits to total assets | 89.1615% | 1,064 |
| Equity capital to assets | 10.5982% | 3,325 |
| Core capital (leverage) ratio | 9.3723% | 4,460 |
| Tier 1 risk-based capital ratio | 20.0613% | 1,528 |
| Total risk-based capital ratio | 20.8868% | 1,604 |
| Memoranda: |
| Average total assets | $286,582,000 | 2,261 |
| Average earning assets | $269,361,000 | 2,236 |
| Average equity | $30,426,000 | 2,308 |
| Average total loans | $125,714,000 | 2,986 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4886% | 5,005 |
| Cost of funding earning assets | 0.2401% | 5,128 |
| Net interest margin | 3.2485% | 4,426 |
| Noninterest income to average assets | 0.5572% | 2,911 |
| Noninterest expense to average assets | 2.5998% | 3,924 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0066% | 2,238 |
| Return on assets (ROA) | 1.0066% | 2,376 |
| Pretax return on assets | 1.0066% | 3,469 |
| Return on Equity (ROE) | 9.4727% | 2,232 |
| Retained earnings to average equity (ytd only) | 7.7863% | 1,649 |
| Net charge-offs to loans | 0.3603% | 678 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 6.2522% | 2,312 |
| Efficiency ratio | 71.0792% | 3,310 |
| Assets per employee ($millions) | 3.7073% | 4,504 |
| Cash dividends to net income (ytd only)* | 17.8025% | 2,584 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9470% | 5,260 |
| Loan loss allowance to noncurrent loans | 84.5221% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 0.4931% | 4,052 |
| Noncurrent loans to loans | 1.1204% | 2,534 |
| Net loans and leases to total assets | 42.8629% | 5,432 |
| Net loans and leases to deposits | 48.0950% | 5,559 |
| Net loans and leases to core deposits | 50.0863% | 5,590 |
| Total domestic deposits to total assets | 89.1213% | 1,186 |
| Equity capital to assets | 10.6608% | 3,356 |
| Core capital (leverage) ratio | 9.4721% | 4,324 |
| Tier 1 risk-based capital ratio | 19.7474% | 1,681 |
| Total risk-based capital ratio | 20.6207% | 1,725 |
| Memoranda: |
| Average total assets | $285,716,000 | 2,282 |
| Average earning assets | $268,186,000 | 2,258 |
| Average equity | $30,361,000 | 2,327 |
| Average total loans | $127,663,000 | 2,953 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6420% | 4,960 |
| Cost of funding earning assets | 0.2567% | 5,257 |
| Net interest margin | 3.3854% | 4,252 |
| Noninterest income to average assets | 0.5871% | 2,935 |
| Noninterest expense to average assets | 2.5556% | 4,375 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1944% | 1,602 |
| Return on assets (ROA) | 1.1944% | 1,672 |
| Pretax return on assets | 1.1944% | 2,678 |
| Return on Equity (ROE) | 11.6383% | 1,512 |
| Retained earnings to average equity (ytd only) | 3.9923% | 3,369 |
| Net charge-offs to loans | -0.0126% | 5,608 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1554% | 4,033 |
| Assets per employee ($millions) | 3.4847% | 4,931 |
| Cash dividends to net income (ytd only)* | 65.6965% | 1,482 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9985% | 5,074 |
| Loan loss allowance to noncurrent loans | 131.5789% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 0.3500% | 4,653 |
| Noncurrent loans to loans | 0.7589% | 3,424 |
| Net loans and leases to total assets | 45.6648% | 5,357 |
| Net loans and leases to deposits | 51.3211% | 5,520 |
| Net loans and leases to core deposits | 53.3457% | 5,539 |
| Total domestic deposits to total assets | 88.9786% | 1,253 |
| Equity capital to assets | 10.5909% | 3,369 |
| Core capital (leverage) ratio | 9.3292% | 4,495 |
| Tier 1 risk-based capital ratio | 18.5314% | 1,981 |
| Total risk-based capital ratio | 19.4612% | 2,037 |
| Memoranda: |
| Average total assets | $281,894,000 | 2,259 |
| Average earning assets | $263,368,600 | 2,248 |
| Average equity | $28,930,400 | 2,352 |
| Average total loans | $126,655,400 | 2,933 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6353% | 5,053 |
| Cost of funding earning assets | 0.2702% | 5,197 |
| Net interest margin | 3.3652% | 4,374 |
| Noninterest income to average assets | 0.5857% | 2,959 |
| Noninterest expense to average assets | 2.6022% | 4,192 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1246% | 1,949 |
| Return on assets (ROA) | 1.1246% | 2,014 |
| Pretax return on assets | 1.1246% | 3,091 |
| Return on Equity (ROE) | 11.0467% | 1,774 |
| Retained earnings to average equity (ytd only) | 4.3824% | 3,532 |
| Net charge-offs to loans | -0.0148% | 5,536 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8206% | 3,706 |
| Assets per employee ($millions) | 3.4456% | 4,962 |
| Cash dividends to net income (ytd only)* | 60.3282% | 1,361 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0157% | 5,143 |
| Loan loss allowance to noncurrent loans | 157.7157% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.3605% | 4,844 |
| Noncurrent loans to loans | 0.6440% | 4,002 |
| Net loans and leases to total assets | 45.3261% | 5,425 |
| Net loans and leases to deposits | 50.7498% | 5,598 |
| Net loans and leases to core deposits | 52.7679% | 5,635 |
| Total domestic deposits to total assets | 89.3128% | 1,068 |
| Equity capital to assets | 10.5023% | 3,554 |
| Core capital (leverage) ratio | 9.3377% | 4,588 |
| Tier 1 risk-based capital ratio | 18.4812% | 2,057 |
| Total risk-based capital ratio | 19.4157% | 2,118 |
| Memoranda: |
| Average total assets | $281,802,250 | 2,276 |
| Average earning assets | $263,042,500 | 2,268 |
| Average equity | $28,689,500 | 2,376 |
| Average total loans | $125,770,750 | 2,962 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6138% | 5,109 |
| Cost of funding earning assets | 0.2730% | 5,256 |
| Net interest margin | 3.3408% | 4,437 |
| Noninterest income to average assets | 0.5787% | 2,939 |
| Noninterest expense to average assets | 2.5666% | 4,364 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1206% | 1,858 |
| Return on assets (ROA) | 1.1206% | 1,932 |
| Pretax return on assets | 1.1206% | 3,005 |
| Return on Equity (ROE) | 11.1227% | 1,703 |
| Retained earnings to average equity (ytd only) | 4.0446% | 3,603 |
| Net charge-offs to loans | -0.0464% | 5,839 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5917% | 3,902 |
| Assets per employee ($millions) | 3.4741% | 4,897 |
| Cash dividends to net income (ytd only)* | 63.6364% | 1,380 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0462% | 5,140 |
| Loan loss allowance to noncurrent loans | 154.1080% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 0.3678% | 4,922 |
| Noncurrent loans to loans | 0.6789% | 4,016 |
| Net loans and leases to total assets | 44.1317% | 5,524 |
| Net loans and leases to deposits | 49.2315% | 5,692 |
| Net loans and leases to core deposits | 51.3309% | 5,713 |
| Total domestic deposits to total assets | 89.6412% | 996 |
| Equity capital to assets | 10.2263% | 3,794 |
| Core capital (leverage) ratio | 9.0532% | 4,940 |
| Tier 1 risk-based capital ratio | 19.1677% | 1,884 |
| Total risk-based capital ratio | 20.1633% | 1,908 |
| Memoranda: |
| Average total assets | $282,706,000 | 2,273 |
| Average earning assets | $263,048,000 | 2,262 |
| Average equity | $28,482,330 | 2,374 |
| Average total loans | $125,094,670 | 2,970 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5682% | 5,250 |
| Cost of funding earning assets | 0.2822% | 5,257 |
| Net interest margin | 3.2860% | 4,602 |
| Noninterest income to average assets | 0.5929% | 2,777 |
| Noninterest expense to average assets | 2.4224% | 4,866 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2281% | 1,406 |
| Return on assets (ROA) | 1.2281% | 1,459 |
| Pretax return on assets | 1.2281% | 2,359 |
| Return on Equity (ROE) | 12.2816% | 1,350 |
| Retained earnings to average equity (ytd only) | 10.4182% | 872 |
| Net charge-offs to loans | -0.0833% | 6,048 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3519% | 4,634 |
| Assets per employee ($millions) | 3.5270% | 4,866 |
| Cash dividends to net income (ytd only)* | 15.1724% | 2,605 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0342% | 5,383 |
| Loan loss allowance to noncurrent loans | 93.3048% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 0.5611% | 4,463 |
| Noncurrent loans to loans | 1.1085% | 3,206 |
| Net loans and leases to total assets | 43.8774% | 5,524 |
| Net loans and leases to deposits | 48.8831% | 5,679 |
| Net loans and leases to core deposits | 50.9959% | 5,689 |
| Total domestic deposits to total assets | 89.7598% | 1,201 |
| Equity capital to assets | 10.1324% | 3,680 |
| Core capital (leverage) ratio | 9.1132% | 4,849 |
| Tier 1 risk-based capital ratio | 18.2815% | 2,180 |
| Total risk-based capital ratio | 19.2239% | 2,287 |
| Memoranda: |
| Average total assets | $283,357,500 | 2,273 |
| Average earning assets | $263,665,500 | 2,260 |
| Average equity | $28,335,000 | 2,381 |
| Average total loans | $124,891,500 | 2,971 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7236% | 5,056 |
| Cost of funding earning assets | 0.3748% | 4,897 |
| Net interest margin | 3.3488% | 4,486 |
| Noninterest income to average assets | 0.5950% | 3,121 |
| Noninterest expense to average assets | 2.6496% | 4,281 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0727% | 2,024 |
| Return on assets (ROA) | 1.0727% | 2,110 |
| Pretax return on assets | 1.0727% | 3,057 |
| Return on Equity (ROE) | 10.1595% | 2,050 |
| Retained earnings to average equity (ytd only) | -12.3780% | 6,577 |
| Net charge-offs to loans | 0.0323% | 4,790 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 72.4054% | 590 |
| Efficiency ratio | 70.5034% | 3,754 |
| Assets per employee ($millions) | 3.4695% | 4,960 |
| Cash dividends to net income (ytd only)* | 221.8365% | 60 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0429% | 5,367 |
| Loan loss allowance to noncurrent loans | 142.3503% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 0.3964% | 5,062 |
| Noncurrent loans to loans | 0.7326% | 4,125 |
| Net loans and leases to total assets | 43.3540% | 5,730 |
| Net loans and leases to deposits | 48.2374% | 5,883 |
| Net loans and leases to core deposits | 50.4309% | 5,904 |
| Total domestic deposits to total assets | 89.8765% | 1,145 |
| Equity capital to assets | 9.8649% | 3,945 |
| Core capital (leverage) ratio | 8.8208% | 5,248 |
| Tier 1 risk-based capital ratio | 17.9339% | 2,262 |
| Total risk-based capital ratio | 18.8681% | 2,350 |
| Memoranda: |
| Average total assets | $249,733,400 | 2,531 |
| Average earning assets | $233,217,400 | 2,485 |
| Average equity | $26,369,400 | 2,513 |
| Average total loans | $114,638,400 | 3,160 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6666% | 5,259 |
| Cost of funding earning assets | 0.3866% | 4,934 |
| Net interest margin | 3.2801% | 4,717 |
| Noninterest income to average assets | 0.6145% | 3,057 |
| Noninterest expense to average assets | 2.6103% | 4,357 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0720% | 2,111 |
| Return on assets (ROA) | 1.0720% | 2,193 |
| Pretax return on assets | 1.0720% | 3,216 |
| Return on Equity (ROE) | 9.9622% | 2,199 |
| Retained earnings to average equity (ytd only) | -17.4711% | 6,738 |
| Net charge-offs to loans | 0.0036% | 5,134 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 648.3175% | 85 |
| Efficiency ratio | 70.3338% | 3,699 |
| Assets per employee ($millions) | 3.5319% | 4,786 |
| Cash dividends to net income (ytd only)* | 275.3724% | 39 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0738% | 5,429 |
| Loan loss allowance to noncurrent loans | 138.8830% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 0.4438% | 5,098 |
| Noncurrent loans to loans | 0.7731% | 4,302 |
| Net loans and leases to total assets | 42.9757% | 5,820 |
| Net loans and leases to deposits | 47.7250% | 5,981 |
| Net loans and leases to core deposits | 49.8809% | 6,025 |
| Total domestic deposits to total assets | 90.0486% | 966 |
| Equity capital to assets | 9.7670% | 4,224 |
| Core capital (leverage) ratio | 8.7684% | 5,457 |
| Tier 1 risk-based capital ratio | 18.4243% | 2,168 |
| Total risk-based capital ratio | 19.4158% | 2,225 |
| Memoranda: |
| Average total assets | $241,909,750 | 2,629 |
| Average earning assets | $226,250,500 | 2,564 |
| Average equity | $26,031,000 | 2,579 |
| Average total loans | $112,517,750 | 3,217 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8097% | 4,794 |
| Cost of funding earning assets | 0.4146% | 4,814 |
| Net interest margin | 3.3952% | 4,204 |
| Noninterest income to average assets | 0.6428% | 2,949 |
| Noninterest expense to average assets | 2.6765% | 4,123 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1508% | 1,741 |
| Return on assets (ROA) | 1.1508% | 1,857 |
| Pretax return on assets | 1.1508% | 2,881 |
| Return on Equity (ROE) | 10.3022% | 2,084 |
| Retained earnings to average equity (ytd only) | 5.2687% | 2,878 |
| Net charge-offs to loans | -0.0128% | 5,824 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4508% | 3,933 |
| Assets per employee ($millions) | 3.2892% | 5,291 |
| Cash dividends to net income (ytd only)* | 48.8584% | 1,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1801% | 5,095 |
| Loan loss allowance to noncurrent loans | 181.4208% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.4699% | 5,100 |
| Noncurrent loans to loans | 0.6505% | 4,641 |
| Net loans and leases to total assets | 48.2990% | 5,300 |
| Net loans and leases to deposits | 54.5031% | 5,472 |
| Net loans and leases to core deposits | 57.2559% | 5,498 |
| Total domestic deposits to total assets | 88.6170% | 1,835 |
| Equity capital to assets | 10.5878% | 3,187 |
| Core capital (leverage) ratio | 10.3782% | 3,010 |
| Tier 1 risk-based capital ratio | 20.0334% | 1,712 |
| Total risk-based capital ratio | 21.1487% | 1,718 |
| Memoranda: |
| Average total assets | $228,362,000 | 2,767 |
| Average earning assets | $214,187,330 | 2,699 |
| Average equity | $25,509,000 | 2,629 |
| Average total loans | $109,108,000 | 3,295 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6622% | 5,279 |
| Cost of funding earning assets | 0.4194% | 4,916 |
| Net interest margin | 3.2427% | 4,752 |
| Noninterest income to average assets | 0.6895% | 2,654 |
| Noninterest expense to average assets | 2.6330% | 4,302 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0887% | 1,901 |
| Return on assets (ROA) | 1.0887% | 2,011 |
| Pretax return on assets | 1.0887% | 3,001 |
| Return on Equity (ROE) | 9.4959% | 2,263 |
| Retained earnings to average equity (ytd only) | 9.4959% | 1,240 |
| Net charge-offs to loans | -0.0223% | 5,766 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2268% | 3,933 |
| Assets per employee ($millions) | 3.4257% | 5,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2464% | 4,968 |
| Loan loss allowance to noncurrent loans | 144.5534% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 0.5442% | 5,030 |
| Noncurrent loans to loans | 0.8623% | 4,399 |
| Net loans and leases to total assets | 45.8067% | 5,456 |
| Net loans and leases to deposits | 52.1782% | 5,598 |
| Net loans and leases to core deposits | 54.8435% | 5,614 |
| Total domestic deposits to total assets | 87.7889% | 2,468 |
| Equity capital to assets | 11.4316% | 2,479 |
| Core capital (leverage) ratio | 10.4792% | 2,808 |
| Tier 1 risk-based capital ratio | 21.1455% | 1,503 |
| Total risk-based capital ratio | 22.3250% | 1,489 |
| Memoranda: |
| Average total assets | $227,419,500 | 2,806 |
| Average earning assets | $212,661,000 | 2,740 |
| Average equity | $26,074,500 | 2,611 |
| Average total loans | $107,394,500 | 3,349 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9798% | 5,376 |
| Cost of funding earning assets | 0.4588% | 5,511 |
| Net interest margin | 3.5210% | 4,416 |
| Noninterest income to average assets | 0.6676% | 2,892 |
| Noninterest expense to average assets | 2.6247% | 4,660 |
| Loan and lease loss provision to assets | 0.0833% | 4,659 |
| Net operating income to assets | 1.2396% | 1,477 |
| Return on assets (ROA) | 1.2396% | 1,640 |
| Pretax return on assets | 1.2396% | 2,639 |
| Return on Equity (ROE) | 10.6597% | 1,916 |
| Retained earnings to average equity (ytd only) | 4.6668% | 2,930 |
| Net charge-offs to loans | 0.1060% | 4,601 |
| Credit loss provision to net charge-offs | 161.0619% | 1,670 |
| Earnings coverage of net charge-offs (x) | 25.5841% | 1,131 |
| Efficiency ratio | 66.3614% | 4,434 |
| Assets per employee ($millions) | 3.2655% | 5,480 |
| Cash dividends to net income (ytd only)* | 56.2200% | 1,994 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2195% | 5,025 |
| Loan loss allowance to noncurrent loans | 74.2552% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 0.9365% | 4,162 |
| Noncurrent loans to loans | 1.6423% | 3,159 |
| Net loans and leases to total assets | 47.4907% | 5,463 |
| Net loans and leases to deposits | 54.3819% | 5,616 |
| Net loans and leases to core deposits | 56.8547% | 5,645 |
| Total domestic deposits to total assets | 87.3281% | 2,628 |
| Equity capital to assets | 11.4997% | 2,446 |
| Core capital (leverage) ratio | 10.4717% | 2,800 |
| Tier 1 risk-based capital ratio | 20.6594% | 1,529 |
| Total risk-based capital ratio | 21.8377% | 1,519 |
| Memoranda: |
| Average total assets | $218,536,400 | 2,854 |
| Average earning assets | $203,579,600 | 2,814 |
| Average equity | $25,413,400 | 2,615 |
| Average total loans | $106,627,400 | 3,364 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0231% | 5,450 |
| Cost of funding earning assets | 0.4706% | 5,634 |
| Net interest margin | 3.5525% | 4,431 |
| Noninterest income to average assets | 0.6856% | 2,781 |
| Noninterest expense to average assets | 2.5997% | 4,738 |
| Loan and lease loss provision to assets | 0.0928% | 4,433 |
| Net operating income to assets | 1.3072% | 1,427 |
| Return on assets (ROA) | 1.3072% | 1,566 |
| Pretax return on assets | 1.3072% | 2,577 |
| Return on Equity (ROE) | 11.2088% | 1,888 |
| Retained earnings to average equity (ytd only) | 6.2212% | 2,550 |
| Net charge-offs to loans | 0.1494% | 3,913 |
| Credit loss provision to net charge-offs | 126.8908% | 2,266 |
| Earnings coverage of net charge-offs (x) | 19.1348% | 1,515 |
| Efficiency ratio | 64.9962% | 4,628 |
| Assets per employee ($millions) | 3.1821% | 5,670 |
| Cash dividends to net income (ytd only)* | 44.4966% | 1,955 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1990% | 5,285 |
| Loan loss allowance to noncurrent loans | 60.1687% | 4,641 |
| Noncurrent assets plus other real estate owned to assets | 1.1206% | 4,055 |
| Noncurrent loans to loans | 1.9928% | 2,849 |
| Net loans and leases to total assets | 47.4987% | 5,607 |
| Net loans and leases to deposits | 54.4664% | 5,766 |
| Net loans and leases to core deposits | 56.9064% | 5,815 |
| Total domestic deposits to total assets | 87.2073% | 2,553 |
| Equity capital to assets | 11.7767% | 2,454 |
| Core capital (leverage) ratio | 10.7449% | 2,660 |
| Tier 1 risk-based capital ratio | 20.8745% | 1,557 |
| Total risk-based capital ratio | 22.0325% | 1,545 |
| Memoranda: |
| Average total assets | $216,841,000 | 2,896 |
| Average earning assets | $202,293,000 | 2,845 |
| Average equity | $25,289,000 | 2,653 |
| Average total loans | $106,202,750 | 3,407 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0716% | 5,414 |
| Cost of funding earning assets | 0.4846% | 5,730 |
| Net interest margin | 3.5870% | 4,321 |
| Noninterest income to average assets | 0.7027% | 2,656 |
| Noninterest expense to average assets | 2.6099% | 4,739 |
| Loan and lease loss provision to assets | 0.1405% | 3,760 |
| Net operating income to assets | 1.3003% | 1,443 |
| Return on assets (ROA) | 1.3003% | 1,593 |
| Pretax return on assets | 1.3003% | 2,559 |
| Return on Equity (ROE) | 11.1873% | 1,925 |
| Retained earnings to average equity (ytd only) | 6.3184% | 2,495 |
| Net charge-offs to loans | 0.2436% | 3,108 |
| Credit loss provision to net charge-offs | 117.0543% | 2,349 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,917 |
| Efficiency ratio | 64.4301% | 4,812 |
| Assets per employee ($millions) | 3.2147% | 5,617 |
| Cash dividends to net income (ytd only)* | 43.5218% | 2,016 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1852% | 5,418 |
| Loan loss allowance to noncurrent loans | 58.8725% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 1.1728% | 4,053 |
| Noncurrent loans to loans | 2.0132% | 2,937 |
| Net loans and leases to total assets | 49.3161% | 5,442 |
| Net loans and leases to deposits | 56.8479% | 5,572 |
| Net loans and leases to core deposits | 59.6061% | 5,632 |
| Total domestic deposits to total assets | 86.7510% | 2,926 |
| Equity capital to assets | 11.8093% | 2,305 |
| Core capital (leverage) ratio | 10.6430% | 2,671 |
| Tier 1 risk-based capital ratio | 20.5510% | 1,561 |
| Total risk-based capital ratio | 21.6910% | 1,566 |
| Memoranda: |
| Average total assets | $214,873,000 | 2,928 |
| Average earning assets | $200,558,330 | 2,864 |
| Average equity | $24,974,670 | 2,673 |
| Average total loans | $105,908,670 | 3,435 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0924% | 5,485 |
| Cost of funding earning assets | 0.5016% | 5,812 |
| Net interest margin | 3.5909% | 4,304 |
| Noninterest income to average assets | 0.7045% | 2,640 |
| Noninterest expense to average assets | 2.6261% | 4,724 |
| Loan and lease loss provision to assets | 0.1864% | 3,101 |
| Net operating income to assets | 1.2413% | 1,629 |
| Return on assets (ROA) | 1.2413% | 1,806 |
| Pretax return on assets | 1.2413% | 2,761 |
| Return on Equity (ROE) | 10.7660% | 2,118 |
| Retained earnings to average equity (ytd only) | 10.7660% | 1,097 |
| Net charge-offs to loans | 0.4909% | 1,861 |
| Credit loss provision to net charge-offs | 77.5194% | 2,774 |
| Earnings coverage of net charge-offs (x) | 5.9380% | 2,276 |
| Efficiency ratio | 64.7816% | 4,784 |
| Assets per employee ($millions) | 3.3271% | 5,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1664% | 5,651 |
| Loan loss allowance to noncurrent loans | 67.3829% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 0.9868% | 4,530 |
| Noncurrent loans to loans | 1.7309% | 3,514 |
| Net loans and leases to total assets | 47.9206% | 5,568 |
| Net loans and leases to deposits | 55.1093% | 5,694 |
| Net loans and leases to core deposits | 57.4835% | 5,758 |
| Total domestic deposits to total assets | 86.9555% | 2,978 |
| Equity capital to assets | 11.5736% | 2,371 |
| Core capital (leverage) ratio | 10.5845% | 2,659 |
| Tier 1 risk-based capital ratio | 21.1797% | 1,453 |
| Total risk-based capital ratio | 22.3136% | 1,450 |
| Memoranda: |
| Average total assets | $214,618,500 | 2,948 |
| Average earning assets | $200,175,000 | 2,896 |
| Average equity | $24,744,500 | 2,689 |
| Average total loans | $105,117,000 | 3,478 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2118% | 6,021 |
| Cost of funding earning assets | 0.5873% | 6,153 |
| Net interest margin | 3.6245% | 4,637 |
| Noninterest income to average assets | 0.6962% | 2,625 |
| Noninterest expense to average assets | 2.6601% | 4,887 |
| Loan and lease loss provision to assets | 0.1214% | 5,086 |
| Net operating income to assets | 1.3031% | 1,244 |
| Return on assets (ROA) | 1.3031% | 1,344 |
| Pretax return on assets | 1.3031% | 2,118 |
| Return on Equity (ROE) | 11.6098% | 1,529 |
| Retained earnings to average equity (ytd only) | 5.1812% | 2,517 |
| Net charge-offs to loans | 0.0314% | 6,011 |
| Credit loss provision to net charge-offs | 769.6970% | 284 |
| Earnings coverage of net charge-offs (x) | 90.3333% | 330 |
| Efficiency ratio | 65.1263% | 4,931 |
| Assets per employee ($millions) | 3.2766% | 5,563 |
| Cash dividends to net income (ytd only)* | 55.3722% | 1,774 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1881% | 5,449 |
| Loan loss allowance to noncurrent loans | 66.4191% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 1.0386% | 4,532 |
| Noncurrent loans to loans | 1.7888% | 3,485 |
| Net loans and leases to total assets | 48.8907% | 5,727 |
| Net loans and leases to deposits | 56.3718% | 5,853 |
| Net loans and leases to core deposits | 58.9739% | 5,940 |
| Total domestic deposits to total assets | 86.7291% | 2,905 |
| Equity capital to assets | 11.4848% | 2,517 |
| Core capital (leverage) ratio | 10.4105% | 2,834 |
| Tier 1 risk-based capital ratio | 20.7068% | 1,476 |
| Total risk-based capital ratio | 21.8757% | 1,460 |
| Memoranda: |
| Average total assets | $209,274,600 | 2,952 |
| Average earning assets | $195,639,200 | 2,906 |
| Average equity | $23,488,800 | 2,730 |
| Average total loans | $105,138,600 | 3,496 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2271% | 6,144 |
| Cost of funding earning assets | 0.6046% | 6,267 |
| Net interest margin | 3.6226% | 4,688 |
| Noninterest income to average assets | 0.7071% | 2,562 |
| Noninterest expense to average assets | 2.6737% | 4,827 |
| Loan and lease loss provision to assets | 0.1171% | 4,972 |
| Net operating income to assets | 1.3023% | 1,369 |
| Return on assets (ROA) | 1.3023% | 1,460 |
| Pretax return on assets | 1.3023% | 2,277 |
| Return on Equity (ROE) | 11.6720% | 1,627 |
| Retained earnings to average equity (ytd only) | 6.8196% | 2,065 |
| Net charge-offs to loans | 0.0343% | 5,672 |
| Credit loss provision to net charge-offs | 677.7778% | 403 |
| Earnings coverage of net charge-offs (x) | 82.1461% | 436 |
| Efficiency ratio | 65.3221% | 4,841 |
| Assets per employee ($millions) | 3.2989% | 5,482 |
| Cash dividends to net income (ytd only)* | 41.5723% | 1,967 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1189% | 5,817 |
| Loan loss allowance to noncurrent loans | 81.8621% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 0.8287% | 5,111 |
| Noncurrent loans to loans | 1.3668% | 4,252 |
| Net loans and leases to total assets | 48.9213% | 5,846 |
| Net loans and leases to deposits | 56.1914% | 6,017 |
| Net loans and leases to core deposits | 58.6741% | 6,077 |
| Total domestic deposits to total assets | 87.0619% | 2,611 |
| Equity capital to assets | 11.4220% | 2,760 |
| Core capital (leverage) ratio | 10.4905% | 2,881 |
| Tier 1 risk-based capital ratio | 20.4490% | 1,572 |
| Total risk-based capital ratio | 21.5448% | 1,586 |
| Memoranda: |
| Average total assets | $208,349,000 | 2,979 |
| Average earning assets | $194,736,250 | 2,928 |
| Average equity | $23,246,000 | 2,760 |
| Average total loans | $105,078,750 | 3,519 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2217% | 6,235 |
| Cost of funding earning assets | 0.6234% | 6,349 |
| Net interest margin | 3.5984% | 4,724 |
| Noninterest income to average assets | 0.7038% | 2,530 |
| Noninterest expense to average assets | 2.7850% | 4,486 |
| Loan and lease loss provision to assets | 0.0688% | 5,444 |
| Net operating income to assets | 1.2185% | 1,517 |
| Return on assets (ROA) | 1.2185% | 1,596 |
| Pretax return on assets | 1.2185% | 2,410 |
| Return on Equity (ROE) | 11.0115% | 1,793 |
| Retained earnings to average equity (ytd only) | 6.5175% | 2,133 |
| Net charge-offs to loans | 0.1260% | 4,470 |
| Credit loss provision to net charge-offs | 107.5758% | 2,860 |
| Earnings coverage of net charge-offs (x) | 20.1212% | 1,196 |
| Efficiency ratio | 68.3885% | 4,442 |
| Assets per employee ($millions) | 3.2051% | 5,630 |
| Cash dividends to net income (ytd only)* | 40.8115% | 2,037 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9834% | 6,404 |
| Loan loss allowance to noncurrent loans | 80.0000% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 0.7786% | 5,334 |
| Noncurrent loans to loans | 1.2292% | 4,607 |
| Net loans and leases to total assets | 50.0708% | 5,810 |
| Net loans and leases to deposits | 57.3955% | 6,013 |
| Net loans and leases to core deposits | 60.3449% | 6,059 |
| Total domestic deposits to total assets | 87.2382% | 2,602 |
| Equity capital to assets | 11.2555% | 2,720 |
| Core capital (leverage) ratio | 10.4479% | 2,764 |
| Tier 1 risk-based capital ratio | 20.5820% | 1,500 |
| Total risk-based capital ratio | 21.5644% | 1,524 |
| Memoranda: |
| Average total assets | $206,322,670 | 3,016 |
| Average earning assets | $193,142,670 | 2,955 |
| Average equity | $22,830,670 | 2,778 |
| Average total loans | $104,742,330 | 3,566 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1334% | 6,432 |
| Cost of funding earning assets | 0.6401% | 6,428 |
| Net interest margin | 3.4933% | 5,042 |
| Noninterest income to average assets | 0.7189% | 2,461 |
| Noninterest expense to average assets | 2.7392% | 4,677 |
| Loan and lease loss provision to assets | 0.1383% | 4,278 |
| Net operating income to assets | 1.1163% | 1,784 |
| Return on assets (ROA) | 1.1163% | 1,833 |
| Pretax return on assets | 1.1163% | 2,696 |
| Return on Equity (ROE) | 10.1769% | 2,037 |
| Retained earnings to average equity (ytd only) | 10.1769% | 1,086 |
| Net charge-offs to loans | 0.4634% | 2,307 |
| Credit loss provision to net charge-offs | 58.6777% | 3,566 |
| Earnings coverage of net charge-offs (x) | 5.3223% | 2,301 |
| Efficiency ratio | 68.5854% | 4,539 |
| Assets per employee ($millions) | 3.1897% | 5,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9271% | 6,630 |
| Loan loss allowance to noncurrent loans | 72.5055% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 0.8103% | 5,286 |
| Noncurrent loans to loans | 1.2787% | 4,561 |
| Net loans and leases to total assets | 50.5612% | 5,773 |
| Net loans and leases to deposits | 57.8203% | 5,941 |
| Net loans and leases to core deposits | 61.0595% | 6,009 |
| Total domestic deposits to total assets | 87.4453% | 2,688 |
| Equity capital to assets | 11.0431% | 2,642 |
| Core capital (leverage) ratio | 10.4715% | 2,647 |
| Tier 1 risk-based capital ratio | 20.2833% | 1,524 |
| Total risk-based capital ratio | 21.2073% | 1,564 |
| Memoranda: |
| Average total assets | $205,317,500 | 3,048 |
| Average earning assets | $192,480,000 | 2,979 |
| Average equity | $22,521,500 | 2,800 |
| Average total loans | $104,438,500 | 3,612 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5111% | 6,374 |
| Cost of funding earning assets | 0.8231% | 6,472 |
| Net interest margin | 3.6880% | 4,402 |
| Noninterest income to average assets | 0.7500% | 2,544 |
| Noninterest expense to average assets | 2.7636% | 4,730 |
| Loan and lease loss provision to assets | 0.1442% | 5,738 |
| Net operating income to assets | 1.2296% | 1,343 |
| Return on assets (ROA) | 1.2296% | 1,415 |
| Pretax return on assets | 1.2296% | 2,142 |
| Return on Equity (ROE) | 11.0642% | 1,568 |
| Retained earnings to average equity (ytd only) | 5.1852% | 2,318 |
| Net charge-offs to loans | 0.0927% | 5,925 |
| Credit loss provision to net charge-offs | 303.1579% | 881 |
| Earnings coverage of net charge-offs (x) | 28.8842% | 750 |
| Efficiency ratio | 66.7957% | 4,800 |
| Assets per employee ($millions) | 3.0344% | 6,028 |
| Cash dividends to net income (ytd only)* | 53.1352% | 1,926 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0003% | 6,385 |
| Loan loss allowance to noncurrent loans | 47.6653% | 5,131 |
| Noncurrent assets plus other real estate owned to assets | 1.1279% | 4,755 |
| Noncurrent loans to loans | 2.0987% | 3,437 |
| Net loans and leases to total assets | 50.1889% | 6,150 |
| Net loans and leases to deposits | 57.4518% | 6,310 |
| Net loans and leases to core deposits | 60.7934% | 6,331 |
| Total domestic deposits to total assets | 87.3582% | 2,635 |
| Equity capital to assets | 10.8936% | 2,781 |
| Core capital (leverage) ratio | 10.3160% | 2,753 |
| Tier 1 risk-based capital ratio | 20.7800% | 1,347 |
| Total risk-based capital ratio | 21.8020% | 1,377 |
| Memoranda: |
| Average total assets | $199,737,000 | 3,105 |
| Average earning assets | $183,458,200 | 3,087 |
| Average equity | $22,197,800 | 2,858 |
| Average total loans | $102,469,600 | 3,728 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6224% | 6,277 |
| Cost of funding earning assets | 0.8648% | 6,526 |
| Net interest margin | 3.7576% | 4,154 |
| Noninterest income to average assets | 0.7496% | 2,505 |
| Noninterest expense to average assets | 2.7216% | 4,791 |
| Loan and lease loss provision to assets | 0.0979% | 6,036 |
| Net operating income to assets | 1.3591% | 1,195 |
| Return on assets (ROA) | 1.3591% | 1,278 |
| Pretax return on assets | 1.3591% | 2,008 |
| Return on Equity (ROE) | 12.1681% | 1,453 |
| Retained earnings to average equity (ytd only) | 6.8555% | 1,922 |
| Net charge-offs to loans | 0.0248% | 6,328 |
| Credit loss provision to net charge-offs | 768.4211% | 386 |
| Earnings coverage of net charge-offs (x) | 114.3806% | 277 |
| Efficiency ratio | 65.1316% | 5,029 |
| Assets per employee ($millions) | 3.0229% | 6,103 |
| Cash dividends to net income (ytd only)* | 43.6605% | 1,919 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9397% | 6,611 |
| Loan loss allowance to noncurrent loans | 43.9636% | 5,340 |
| Noncurrent assets plus other real estate owned to assets | 1.1326% | 4,852 |
| Noncurrent loans to loans | 2.1374% | 3,528 |
| Net loans and leases to total assets | 50.2293% | 6,300 |
| Net loans and leases to deposits | 57.7010% | 6,481 |
| Net loans and leases to core deposits | 61.0834% | 6,534 |
| Total domestic deposits to total assets | 87.0511% | 2,502 |
| Equity capital to assets | 11.3131% | 2,692 |
| Core capital (leverage) ratio | 10.4183% | 2,782 |
| Tier 1 risk-based capital ratio | 21.0471% | 1,351 |
| Total risk-based capital ratio | 22.0164% | 1,378 |
| Memoranda: |
| Average total assets | $198,845,750 | 3,154 |
| Average earning assets | $181,460,000 | 3,152 |
| Average equity | $22,210,500 | 2,900 |
| Average total loans | $102,320,500 | 3,787 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6804% | 6,206 |
| Cost of funding earning assets | 0.8906% | 6,623 |
| Net interest margin | 3.7898% | 3,941 |
| Noninterest income to average assets | 0.7287% | 2,530 |
| Noninterest expense to average assets | 2.7133% | 4,856 |
| Loan and lease loss provision to assets | 0.0759% | 6,182 |
| Net operating income to assets | 1.3977% | 1,096 |
| Return on assets (ROA) | 1.3977% | 1,161 |
| Pretax return on assets | 1.3977% | 1,847 |
| Return on Equity (ROE) | 12.5681% | 1,335 |
| Retained earnings to average equity (ytd only) | 7.5718% | 1,609 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8054% | 5,186 |
| Assets per employee ($millions) | 3.0345% | 6,071 |
| Cash dividends to net income (ytd only)* | 39.7538% | 2,097 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8990% | 6,760 |
| Loan loss allowance to noncurrent loans | 54.6053% | 4,668 |
| Noncurrent assets plus other real estate owned to assets | 0.8843% | 5,351 |
| Noncurrent loans to loans | 1.6464% | 4,239 |
| Net loans and leases to total assets | 50.2509% | 6,405 |
| Net loans and leases to deposits | 57.5848% | 6,603 |
| Net loans and leases to core deposits | 61.3915% | 6,605 |
| Total domestic deposits to total assets | 87.2641% | 2,399 |
| Equity capital to assets | 11.0642% | 2,795 |
| Core capital (leverage) ratio | 10.3335% | 2,787 |
| Tier 1 risk-based capital ratio | 20.2862% | 1,467 |
| Total risk-based capital ratio | 21.1834% | 1,490 |
| Memoranda: |
| Average total assets | $197,616,000 | 3,198 |
| Average earning assets | $180,326,670 | 3,190 |
| Average equity | $21,976,330 | 2,921 |
| Average total loans | $102,195,000 | 3,827 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7242% | 6,157 |
| Cost of funding earning assets | 0.9140% | 6,715 |
| Net interest margin | 3.8102% | 3,756 |
| Noninterest income to average assets | 0.7295% | 2,407 |
| Noninterest expense to average assets | 2.6940% | 4,929 |
| Loan and lease loss provision to assets | 0.1528% | 5,008 |
| Net operating income to assets | 1.3572% | 1,175 |
| Return on assets (ROA) | 1.3572% | 1,239 |
| Pretax return on assets | 1.3572% | 1,885 |
| Return on Equity (ROE) | 12.1727% | 1,450 |
| Retained earnings to average equity (ytd only) | 12.1727% | 721 |
| Net charge-offs to loans | 0.0780% | 4,639 |
| Credit loss provision to net charge-offs | 375.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 37.0500% | 734 |
| Efficiency ratio | 64.0814% | 5,479 |
| Assets per employee ($millions) | 2.9555% | 6,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8711% | 6,922 |
| Loan loss allowance to noncurrent loans | 54.9877% | 4,660 |
| Noncurrent assets plus other real estate owned to assets | 0.8701% | 5,421 |
| Noncurrent loans to loans | 1.5841% | 4,366 |
| Net loans and leases to total assets | 51.3198% | 6,339 |
| Net loans and leases to deposits | 58.8848% | 6,563 |
| Net loans and leases to core deposits | 62.5721% | 6,549 |
| Total domestic deposits to total assets | 87.1529% | 2,547 |
| Equity capital to assets | 11.2160% | 2,572 |
| Core capital (leverage) ratio | 10.3666% | 2,749 |
| Tier 1 risk-based capital ratio | 19.2462% | 1,665 |
| Total risk-based capital ratio | 20.0855% | 1,724 |
| Memoranda: |
| Average total assets | $196,285,500 | 3,271 |
| Average earning assets | $178,992,000 | 3,265 |
| Average equity | $21,885,000 | 2,962 |
| Average total loans | $102,515,500 | 3,871 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0646% | 6,215 |
| Cost of funding earning assets | 1.1004% | 6,980 |
| Net interest margin | 3.9642% | 3,011 |
| Noninterest income to average assets | 0.6897% | 3,038 |
| Noninterest expense to average assets | 2.8827% | 4,598 |
| Loan and lease loss provision to assets | 0.2120% | 5,645 |
| Net operating income to assets | 1.2701% | 1,090 |
| Return on assets (ROA) | 1.2701% | 1,150 |
| Pretax return on assets | 1.2701% | 1,779 |
| Return on Equity (ROE) | 11.0178% | 1,416 |
| Retained earnings to average equity (ytd only) | 4.0592% | 2,380 |
| Net charge-offs to loans | 0.3204% | 4,638 |
| Credit loss provision to net charge-offs | 121.8750% | 4,349 |
| Earnings coverage of net charge-offs (x) | 8.5219% | 1,929 |
| Efficiency ratio | 66.0441% | 5,385 |
| Assets per employee ($millions) | 2.9477% | 6,351 |
| Cash dividends to net income (ytd only)* | 63.1579% | 1,861 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8174% | 7,077 |
| Loan loss allowance to noncurrent loans | 53.6835% | 4,769 |
| Noncurrent assets plus other real estate owned to assets | 0.8024% | 5,501 |
| Noncurrent loans to loans | 1.5227% | 4,365 |
| Net loans and leases to total assets | 52.2621% | 6,394 |
| Net loans and leases to deposits | 60.0787% | 6,629 |
| Net loans and leases to core deposits | 77.5076% | 6,300 |
| Total domestic deposits to total assets | 86.9895% | 2,514 |
| Equity capital to assets | 11.0820% | 2,643 |
| Core capital (leverage) ratio | 10.3538% | 2,732 |
| Tier 1 risk-based capital ratio | 18.6161% | 1,732 |
| Total risk-based capital ratio | 19.4036% | 1,805 |
| Memoranda: |
| Average total assets | $183,994,200 | 3,363 |
| Average earning assets | $170,576,200 | 3,339 |
| Average equity | $21,211,200 | 3,050 |
| Average total loans | $99,867,000 | 3,956 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1500% | 6,110 |
| Cost of funding earning assets | 1.1431% | 7,057 |
| Net interest margin | 4.0068% | 2,784 |
| Noninterest income to average assets | 0.6925% | 3,070 |
| Noninterest expense to average assets | 2.9055% | 4,433 |
| Loan and lease loss provision to assets | 0.1720% | 5,641 |
| Net operating income to assets | 1.3491% | 1,123 |
| Return on assets (ROA) | 1.3491% | 1,188 |
| Pretax return on assets | 1.3491% | 1,826 |
| Return on Equity (ROE) | 11.5821% | 1,470 |
| Retained earnings to average equity (ytd only) | 5.4660% | 2,223 |
| Net charge-offs to loans | 0.2849% | 4,249 |
| Credit loss provision to net charge-offs | 110.3774% | 4,608 |
| Earnings coverage of net charge-offs (x) | 9.7594% | 2,062 |
| Efficiency ratio | 65.6369% | 5,433 |
| Assets per employee ($millions) | 2.8985% | 6,410 |
| Cash dividends to net income (ytd only)* | 52.8065% | 1,891 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7918% | 7,150 |
| Loan loss allowance to noncurrent loans | 82.5496% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 0.5080% | 6,196 |
| Noncurrent loans to loans | 0.9592% | 5,379 |
| Net loans and leases to total assets | 52.5393% | 6,558 |
| Net loans and leases to deposits | 60.6947% | 6,771 |
| Net loans and leases to core deposits | 78.3808% | 6,454 |
| Total domestic deposits to total assets | 86.5632% | 2,397 |
| Equity capital to assets | 11.6237% | 2,491 |
| Core capital (leverage) ratio | 11.0124% | 2,394 |
| Tier 1 risk-based capital ratio | 19.8615% | 1,589 |
| Total risk-based capital ratio | 20.6533% | 1,628 |
| Memoranda: |
| Average total assets | $181,355,250 | 3,448 |
| Average earning assets | $169,007,000 | 3,387 |
| Average equity | $21,124,000 | 3,082 |
| Average total loans | $99,205,250 | 4,009 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2447% | 5,897 |
| Cost of funding earning assets | 1.1888% | 7,138 |
| Net interest margin | 4.0559% | 2,485 |
| Noninterest income to average assets | 0.6994% | 2,999 |
| Noninterest expense to average assets | 2.9362% | 4,356 |
| Loan and lease loss provision to assets | 0.1844% | 5,184 |
| Net operating income to assets | 1.3832% | 1,063 |
| Return on assets (ROA) | 1.3832% | 1,130 |
| Pretax return on assets | 1.3832% | 1,776 |
| Return on Equity (ROE) | 11.8664% | 1,458 |
| Retained earnings to average equity (ytd only) | 5.8949% | 2,069 |
| Net charge-offs to loans | 0.1313% | 4,855 |
| Credit loss provision to net charge-offs | 253.8462% | 1,833 |
| Earnings coverage of net charge-offs (x) | 21.5846% | 1,255 |
| Efficiency ratio | 65.1947% | 5,675 |
| Assets per employee ($millions) | 2.8498% | 6,515 |
| Cash dividends to net income (ytd only)* | 50.3231% | 2,035 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8708% | 6,900 |
| Loan loss allowance to noncurrent loans | 80.0000% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 0.6043% | 5,910 |
| Noncurrent loans to loans | 1.0886% | 5,020 |
| Net loans and leases to total assets | 55.0326% | 6,334 |
| Net loans and leases to deposits | 63.7045% | 6,592 |
| Net loans and leases to core deposits | 81.1840% | 6,308 |
| Total domestic deposits to total assets | 86.3874% | 2,576 |
| Equity capital to assets | 11.6677% | 2,405 |
| Core capital (leverage) ratio | 10.8229% | 2,549 |
| Tier 1 risk-based capital ratio | 19.9600% | 1,589 |
| Total risk-based capital ratio | 20.8456% | 1,615 |
| Memoranda: |
| Average total assets | $179,007,000 | 3,500 |
| Average earning assets | $167,902,000 | 3,430 |
| Average equity | $20,865,670 | 3,118 |
| Average total loans | $99,015,670 | 4,039 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2985% | 5,899 |
| Cost of funding earning assets | 1.2218% | 7,246 |
| Net interest margin | 4.0766% | 2,374 |
| Noninterest income to average assets | 0.6937% | 2,928 |
| Noninterest expense to average assets | 2.8443% | 4,363 |
| Loan and lease loss provision to assets | 0.3200% | 3,414 |
| Net operating income to assets | 1.4121% | 1,114 |
| Return on assets (ROA) | 1.4121% | 1,197 |
| Pretax return on assets | 1.4121% | 1,933 |
| Return on Equity (ROE) | 12.1203% | 1,622 |
| Retained earnings to average equity (ytd only) | 12.1203% | 766 |
| Net charge-offs to loans | 0.3526% | 2,675 |
| Credit loss provision to net charge-offs | 164.3678% | 2,598 |
| Earnings coverage of net charge-offs (x) | 8.8966% | 2,130 |
| Efficiency ratio | 62.1516% | 6,025 |
| Assets per employee ($millions) | 2.7453% | 6,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8350% | 7,031 |
| Loan loss allowance to noncurrent loans | 75.8748% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 0.6321% | 5,593 |
| Noncurrent loans to loans | 1.1004% | 4,786 |
| Net loans and leases to total assets | 54.8436% | 6,377 |
| Net loans and leases to deposits | 63.6253% | 6,592 |
| Net loans and leases to core deposits | 79.9732% | 6,385 |
| Total domestic deposits to total assets | 86.1978% | 2,617 |
| Equity capital to assets | 11.9277% | 2,305 |
| Core capital (leverage) ratio | 11.1261% | 2,400 |
| Tier 1 risk-based capital ratio | 19.7600% | 1,664 |
| Total risk-based capital ratio | 20.5916% | 1,701 |
| Memoranda: |
| Average total assets | $178,741,000 | 3,527 |
| Average earning assets | $170,238,000 | 3,420 |
| Average equity | $20,824,500 | 3,137 |
| Average total loans | $98,687,000 | 4,075 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1677% | 4,680 |
| Cost of funding earning assets | 1.7457% | 7,146 |
| Net interest margin | 4.4220% | 1,620 |
| Noninterest income to average assets | 0.8384% | 2,303 |
| Noninterest expense to average assets | 3.0312% | 3,967 |
| Loan and lease loss provision to assets | 0.0480% | 6,817 |
| Net operating income to assets | 1.9351% | 405 |
| Return on assets (ROA) | 1.9351% | 390 |
| Pretax return on assets | 1.9351% | 714 |
| Return on Equity (ROE) | 16.9942% | 638 |
| Retained earnings to average equity (ytd only) | 7.9080% | 873 |
| Net charge-offs to loans | 0.2516% | 3,761 |
| Credit loss provision to net charge-offs | 34.0249% | 6,497 |
| Earnings coverage of net charge-offs (x) | 14.0456% | 2,081 |
| Efficiency ratio | 60.4510% | 6,271 |
| Assets per employee ($millions) | 2.7545% | 6,666 |
| Cash dividends to net income (ytd only)* | 53.4665% | 2,955 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7782% | 7,179 |
| Loan loss allowance to noncurrent loans | 84.0263% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 0.5105% | 5,652 |
| Noncurrent loans to loans | 0.9262% | 4,769 |
| Net loans and leases to total assets | 54.6906% | 6,580 |
| Net loans and leases to deposits | 63.2950% | 6,855 |
| Net loans and leases to core deposits | 79.7047% | 6,639 |
| Total domestic deposits to total assets | 86.4058% | 2,215 |
| Equity capital to assets | 11.3746% | 2,724 |
| Core capital (leverage) ratio | 10.7936% | 2,748 |
| Tier 1 risk-based capital ratio | 19.0908% | 1,794 |
| Total risk-based capital ratio | 19.8646% | 1,842 |
| Memoranda: |
| Average total assets | $170,691,400 | 3,543 |
| Average earning assets | $161,195,800 | 3,450 |
| Average equity | $19,436,000 | 3,316 |
| Average total loans | $95,768,400 | 4,058 |
