| 2025-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1859% | 2,757 |
| Cost of funding earning assets | 2.1598% | 1,532 |
| Net interest margin | 3.0261% | 3,346 |
| Noninterest income to average assets | 0.5200% | 1,653 |
| Noninterest expense to average assets | 2.4123% | 2,546 |
| Loan and lease loss provision to assets | 0.1400% | 919 |
| Net operating income to assets | 0.6551% | 3,217 |
| Return on assets (ROA) | 0.6551% | 3,237 |
| Pretax return on assets | 0.6959% | 3,404 |
| Return on Equity (ROE) | 6.6600% | 3,208 |
| Retained earnings to average equity (ytd only) | 4.2033% | 2,800 |
| Net charge-offs to loans | 0.1431% | 675 |
| Credit loss provision to net charge-offs | 156.2500% | 1,002 |
| Earnings coverage of net charge-offs (x) | 9.4297% | 1,736 |
| Efficiency ratio | 72.2222% | 1,597 |
| Assets per employee ($millions) | 7.2571% | 2,042 |
| Cash dividends to net income (ytd only)* | 36.9198% | 1,565 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3792% | 1,372 |
| Loan loss allowance to noncurrent loans | 766.4662% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.1131% | 2,942 |
| Noncurrent loans to loans | 0.1799% | 2,852 |
| Net loans and leases to total assets | 62.0000% | 2,696 |
| Net loans and leases to deposits | 75.0525% | 2,484 |
| Net loans and leases to core deposits | 81.5998% | 2,596 |
| Total domestic deposits to total assets | 82.6100% | 3,190 |
| Equity capital to assets | 9.8223% | 2,335 |
| Core capital (leverage) ratio | 10.4509% | 2,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: |
| Average total assets | $578,855,500 | 1,599 |
| Average earning assets | $521,726,500 | 1,639 |
| Average equity | $56,907,500 | 1,608 |
| Average total loans | $357,736,000 | 1,685 |
| 2024-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1255% | 2,876 |
| Cost of funding earning assets | 2.4543% | 1,241 |
| Net interest margin | 2.6712% | 3,660 |
| Noninterest income to average assets | 0.4800% | 2,039 |
| Noninterest expense to average assets | 2.2849% | 2,904 |
| Loan and lease loss provision to assets | 0.3100% | 387 |
| Net operating income to assets | 0.3400% | 3,776 |
| Return on assets (ROA) | 0.3400% | 3,802 |
| Pretax return on assets | 0.2976% | 3,933 |
| Return on Equity (ROE) | 3.5100% | 3,782 |
| Retained earnings to average equity (ytd only) | 1.7890% | 3,450 |
| Net charge-offs to loans | 0.4419% | 338 |
| Credit loss provision to net charge-offs | 122.1167% | 1,639 |
| Earnings coverage of net charge-offs (x) | 2.3908% | 2,829 |
| Efficiency ratio | 76.6243% | 1,308 |
| Assets per employee ($millions) | 6.7843% | 2,310 |
| Cash dividends to net income (ytd only)* | 48.9848% | 1,689 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4530% | 1,136 |
| Loan loss allowance to noncurrent loans | 508.7045% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.1734% | 2,569 |
| Noncurrent loans to loans | 0.2856% | 2,407 |
| Net loans and leases to total assets | 59.8200% | 2,957 |
| Net loans and leases to deposits | 71.4951% | 2,829 |
| Net loans and leases to core deposits | 77.7366% | 2,926 |
| Total domestic deposits to total assets | 83.6700% | 2,868 |
| Equity capital to assets | 9.8401% | 2,229 |
| Core capital (leverage) ratio | 10.2249% | 2,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: |
| Average total assets | $579,337,200 | 1,575 |
| Average earning assets | $523,320,800 | 1,610 |
| Average equity | $56,175,200 | 1,573 |
| Average total loans | $333,588,600 | 1,741 |
| 2024-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0773% | 2,911 |
| Cost of funding earning assets | 2.4806% | 1,204 |
| Net interest margin | 2.5966% | 3,771 |
| Noninterest income to average assets | 0.5200% | 1,809 |
| Noninterest expense to average assets | 2.2669% | 2,898 |
| Loan and lease loss provision to assets | 0.2500% | 441 |
| Net operating income to assets | 0.3404% | 3,795 |
| Return on assets (ROA) | 0.3404% | 3,828 |
| Pretax return on assets | 0.3539% | 3,883 |
| Return on Equity (ROE) | 3.5200% | 3,805 |
| Retained earnings to average equity (ytd only) | 1.5302% | 3,591 |
| Net charge-offs to loans | 0.4357% | 305 |
| Credit loss provision to net charge-offs | 101.8519% | 1,643 |
| Earnings coverage of net charge-offs (x) | 2.4481% | 2,591 |
| Efficiency ratio | 76.5438% | 1,350 |
| Assets per employee ($millions) | 7.1050% | 2,070 |
| Cash dividends to net income (ytd only)* | 56.5657% | 1,116 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3298% | 1,588 |
| Loan loss allowance to noncurrent loans | 492.8495% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.1589% | 2,679 |
| Noncurrent loans to loans | 0.2698% | 2,476 |
| Net loans and leases to total assets | 58.1100% | 3,086 |
| Net loans and leases to deposits | 71.3670% | 2,868 |
| Net loans and leases to core deposits | 77.2379% | 3,003 |
| Total domestic deposits to total assets | 81.4200% | 3,220 |
| Equity capital to assets | 10.0313% | 2,275 |
| Core capital (leverage) ratio | 10.1151% | 2,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: |
| Average total assets | $581,700,250 | 1,563 |
| Average earning assets | $526,358,750 | 1,602 |
| Average equity | $56,199,750 | 1,569 |
| Average total loans | $330,508,000 | 1,745 |
| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0661% | 2,828 |
| Cost of funding earning assets | 2.4647% | 1,145 |
| Net interest margin | 2.6013% | 3,742 |
| Noninterest income to average assets | 0.5200% | 1,764 |
| Noninterest expense to average assets | 2.2520% | 2,936 |
| Loan and lease loss provision to assets | 0.1400% | 838 |
| Net operating income to assets | 0.4615% | 3,531 |
| Return on assets (ROA) | 0.4615% | 3,568 |
| Pretax return on assets | 0.4815% | 3,663 |
| Return on Equity (ROE) | 4.8400% | 3,553 |
| Retained earnings to average equity (ytd only) | 2.3400% | 3,235 |
| Net charge-offs to loans | 0.2253% | 495 |
| Credit loss provision to net charge-offs | 109.2896% | 1,414 |
| Earnings coverage of net charge-offs (x) | 4.9016% | 2,241 |
| Efficiency ratio | 76.0524% | 1,455 |
| Assets per employee ($millions) | 7.1321% | 1,988 |
| Cash dividends to net income (ytd only)* | 51.6467% | 1,401 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3392% | 1,578 |
| Loan loss allowance to noncurrent loans | 1,018.0220% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.0778% | 3,121 |
| Noncurrent loans to loans | 0.1315% | 2,989 |
| Net loans and leases to total assets | 58.3500% | 3,099 |
| Net loans and leases to deposits | 71.0972% | 2,905 |
| Net loans and leases to core deposits | 75.2680% | 3,087 |
| Total domestic deposits to total assets | 82.0700% | 3,065 |
| Equity capital to assets | 9.2958% | 2,534 |
| Core capital (leverage) ratio | 10.0673% | 2,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: |
| Average total assets | $579,029,667 | 1,567 |
| Average earning assets | $524,272,667 | 1,605 |
| Average equity | $55,214,333 | 1,569 |
| Average total loans | $324,919,667 | 1,763 |
| 2024-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9752% | 2,825 |
| Cost of funding earning assets | 2.4673% | 1,044 |
| Net interest margin | 2.5080% | 3,854 |
| Noninterest income to average assets | 0.4700% | 1,919 |
| Noninterest expense to average assets | 2.2266% | 2,995 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.4909% | 3,416 |
| Return on assets (ROA) | 0.4909% | 3,440 |
| Pretax return on assets | 0.5103% | 3,554 |
| Return on Equity (ROE) | 5.0800% | 3,428 |
| Retained earnings to average equity (ytd only) | 2.6384% | 3,082 |
| Net charge-offs to loans | 0.0025% | 2,082 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 367.5000% | 252 |
| Efficiency ratio | 78.8686% | 1,289 |
| Assets per employee ($millions) | 7.4699% | 1,779 |
| Cash dividends to net income (ytd only)* | 48.0905% | 1,338 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4607% | 1,187 |
| Loan loss allowance to noncurrent loans | 653.7696% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.1191% | 2,838 |
| Noncurrent loans to loans | 0.2234% | 2,524 |
| Net loans and leases to total assets | 52.5400% | 3,457 |
| Net loans and leases to deposits | 63.9210% | 3,305 |
| Net loans and leases to core deposits | 67.5818% | 3,453 |
| Total domestic deposits to total assets | 82.1900% | 3,153 |
| Equity capital to assets | 9.3216% | 2,451 |
| Core capital (leverage) ratio | 10.0837% | 2,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: |
| Average total assets | $576,129,000 | 1,585 |
| Average earning assets | $521,061,000 | 1,627 |
| Average equity | $55,639,000 | 1,549 |
| Average total loans | $314,438,500 | 1,788 |
| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5770% | 2,952 |
| Cost of funding earning assets | 1.8758% | 1,114 |
| Net interest margin | 2.7012% | 3,819 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 2.4312% | 2,495 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5036% | 3,664 |
| Return on assets (ROA) | 0.5036% | 3,660 |
| Pretax return on assets | 0.5380% | 3,747 |
| Return on Equity (ROE) | 5.3900% | 3,651 |
| Retained earnings to average equity (ytd only) | 2.8830% | 3,319 |
| Net charge-offs to loans | -0.0826% | 4,465 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 79.1990% | 970 |
| Assets per employee ($millions) | 7.2068% | 1,932 |
| Cash dividends to net income (ytd only)* | 46.5116% | 1,796 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4629% | 1,166 |
| Loan loss allowance to noncurrent loans | 642.0391% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.1274% | 2,686 |
| Noncurrent loans to loans | 0.2278% | 2,410 |
| Net loans and leases to total assets | 55.0800% | 3,274 |
| Net loans and leases to deposits | 64.6965% | 3,254 |
| Net loans and leases to core deposits | 68.1448% | 3,398 |
| Total domestic deposits to total assets | 85.1400% | 2,271 |
| Equity capital to assets | 10.0099% | 2,002 |
| Core capital (leverage) ratio | 10.4410% | 2,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $555,025,600 | 1,596 |
| Average earning assets | $500,112,000 | 1,640 |
| Average equity | $51,855,600 | 1,561 |
| Average total loans | $299,170,000 | 1,791 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4944% | 2,935 |
| Cost of funding earning assets | 1.7268% | 1,137 |
| Net interest margin | 2.7676% | 3,782 |
| Noninterest income to average assets | 0.5500% | 1,728 |
| Noninterest expense to average assets | 2.4543% | 2,362 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5401% | 3,682 |
| Return on assets (ROA) | 0.5401% | 3,671 |
| Pretax return on assets | 0.5871% | 3,760 |
| Return on Equity (ROE) | 5.8900% | 3,656 |
| Retained earnings to average equity (ytd only) | 3.1288% | 3,481 |
| Net charge-offs to loans | -0.0821% | 4,460 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 78.0666% | 1,006 |
| Assets per employee ($millions) | 6.6915% | 2,187 |
| Cash dividends to net income (ytd only)* | 46.8541% | 1,383 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4672% | 1,201 |
| Loan loss allowance to noncurrent loans | 571.3745% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.1445% | 2,607 |
| Noncurrent loans to loans | 0.2568% | 2,318 |
| Net loans and leases to total assets | 55.4600% | 3,252 |
| Net loans and leases to deposits | 64.1980% | 3,254 |
| Net loans and leases to core deposits | 67.9143% | 3,331 |
| Total domestic deposits to total assets | 86.3800% | 2,073 |
| Equity capital to assets | 8.5228% | 2,716 |
| Core capital (leverage) ratio | 11.1321% | 1,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $553,249,000 | 1,601 |
| Average earning assets | $498,954,500 | 1,639 |
| Average equity | $50,752,250 | 1,580 |
| Average total loans | $295,402,000 | 1,810 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3621% | 2,978 |
| Cost of funding earning assets | 1.4776% | 1,286 |
| Net interest margin | 2.8845% | 3,673 |
| Noninterest income to average assets | 0.5300% | 1,751 |
| Noninterest expense to average assets | 2.4814% | 2,259 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5927% | 3,591 |
| Return on assets (ROA) | 0.5927% | 3,600 |
| Pretax return on assets | 0.6558% | 3,689 |
| Return on Equity (ROE) | 6.3100% | 3,625 |
| Retained earnings to average equity (ytd only) | 3.4331% | 3,368 |
| Net charge-offs to loans | -0.1217% | 4,538 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.5571% | 1,128 |
| Assets per employee ($millions) | 6.4743% | 2,311 |
| Cash dividends to net income (ytd only)* | 45.6204% | 1,476 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4907% | 1,207 |
| Loan loss allowance to noncurrent loans | 156.3385% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 0.5261% | 1,033 |
| Noncurrent loans to loans | 0.9535% | 798 |
| Net loans and leases to total assets | 54.3500% | 3,244 |
| Net loans and leases to deposits | 62.1618% | 3,295 |
| Net loans and leases to core deposits | 65.4641% | 3,381 |
| Total domestic deposits to total assets | 87.4300% | 1,792 |
| Equity capital to assets | 9.4172% | 2,224 |
| Core capital (leverage) ratio | 10.4765% | 2,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $554,764,333 | 1,593 |
| Average earning assets | $500,815,333 | 1,632 |
| Average equity | $52,081,333 | 1,543 |
| Average total loans | $290,927,000 | 1,819 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2075% | 3,024 |
| Cost of funding earning assets | 1.2690% | 1,300 |
| Net interest margin | 2.9385% | 3,724 |
| Noninterest income to average assets | 0.5000% | 1,841 |
| Noninterest expense to average assets | 2.5315% | 2,164 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5659% | 3,756 |
| Return on assets (ROA) | 0.5659% | 3,725 |
| Pretax return on assets | 0.6212% | 3,809 |
| Return on Equity (ROE) | 6.0400% | 3,708 |
| Retained earnings to average equity (ytd only) | 3.3557% | 3,420 |
| Net charge-offs to loans | -0.0056% | 3,674 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 77.7904% | 1,022 |
| Assets per employee ($millions) | 6.5065% | 2,339 |
| Cash dividends to net income (ytd only)* | 44.4162% | 1,338 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5587% | 1,096 |
| Loan loss allowance to noncurrent loans | 507.9347% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.1532% | 2,438 |
| Noncurrent loans to loans | 0.3069% | 2,046 |
| Net loans and leases to total assets | 49.1300% | 3,555 |
| Net loans and leases to deposits | 55.2121% | 3,621 |
| Net loans and leases to core deposits | 57.3076% | 3,670 |
| Total domestic deposits to total assets | 88.9800% | 1,552 |
| Equity capital to assets | 9.6282% | 2,048 |
| Core capital (leverage) ratio | 10.4580% | 2,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $556,990,500 | 1,607 |
| Average earning assets | $502,441,500 | 1,647 |
| Average equity | $52,210,000 | 1,556 |
| Average total loans | $284,583,500 | 1,861 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6724% | 2,606 |
| Cost of funding earning assets | 0.4113% | 2,004 |
| Net interest margin | 3.2611% | 2,674 |
| Noninterest income to average assets | 0.6600% | 1,421 |
| Noninterest expense to average assets | 2.4898% | 2,153 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | 0.8218% | 3,248 |
| Return on assets (ROA) | 0.8218% | 3,179 |
| Pretax return on assets | 0.9246% | 3,284 |
| Return on Equity (ROE) | 7.8200% | 3,431 |
| Retained earnings to average equity (ytd only) | -17.0299% | 4,686 |
| Net charge-offs to loans | 0.8345% | 80 |
| Credit loss provision to net charge-offs | 48.7348% | 1,825 |
| Earnings coverage of net charge-offs (x) | 2.6378% | 2,497 |
| Efficiency ratio | 67.1151% | 2,074 |
| Assets per employee ($millions) | 6.7613% | 2,145 |
| Cash dividends to net income (ytd only)* | 317.7985% | 19 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3618% | 1,646 |
| Loan loss allowance to noncurrent loans | 396.7839% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.1795% | 2,295 |
| Noncurrent loans to loans | 0.3432% | 1,915 |
| Net loans and leases to total assets | 51.5800% | 3,389 |
| Net loans and leases to deposits | 59.7032% | 3,344 |
| Net loans and leases to core deposits | 61.4986% | 3,421 |
| Total domestic deposits to total assets | 86.3900% | 2,608 |
| Equity capital to assets | 9.1167% | 2,284 |
| Core capital (leverage) ratio | 10.4150% | 2,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $496,343,600 | 1,729 |
| Average earning assets | $450,770,400 | 1,757 |
| Average equity | $52,167,200 | 1,562 |
| Average total loans | $255,713,200 | 1,909 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4657% | 2,729 |
| Cost of funding earning assets | 0.3080% | 2,078 |
| Net interest margin | 3.1577% | 2,748 |
| Noninterest income to average assets | 0.6800% | 1,395 |
| Noninterest expense to average assets | 2.3269% | 2,551 |
| Loan and lease loss provision to assets | 0.2100% | 415 |
| Net operating income to assets | 0.9154% | 2,815 |
| Return on assets (ROA) | 0.9154% | 2,784 |
| Pretax return on assets | 1.0205% | 2,965 |
| Return on Equity (ROE) | 8.3900% | 3,201 |
| Retained earnings to average equity (ytd only) | -23.5249% | 4,735 |
| Net charge-offs to loans | 0.9775% | 51 |
| Credit loss provision to net charge-offs | 42.7704% | 1,555 |
| Earnings coverage of net charge-offs (x) | 2.4630% | 2,245 |
| Efficiency ratio | 63.9605% | 2,558 |
| Assets per employee ($millions) | 6.1797% | 2,595 |
| Cash dividends to net income (ytd only)* | 380.4111% | 17 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4300% | 1,507 |
| Loan loss allowance to noncurrent loans | 227.0408% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 0.3281% | 1,625 |
| Noncurrent loans to loans | 0.6298% | 1,291 |
| Net loans and leases to total assets | 51.3500% | 3,352 |
| Net loans and leases to deposits | 58.0885% | 3,335 |
| Net loans and leases to core deposits | 59.6451% | 3,408 |
| Total domestic deposits to total assets | 88.4000% | 2,307 |
| Equity capital to assets | 8.4887% | 2,553 |
| Core capital (leverage) ratio | 10.8363% | 1,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $481,823,500 | 1,779 |
| Average earning assets | $439,423,750 | 1,798 |
| Average equity | $52,572,750 | 1,577 |
| Average total loans | $247,165,750 | 1,957 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1025% | 3,299 |
| Cost of funding earning assets | 0.2636% | 2,106 |
| Net interest margin | 2.8389% | 3,315 |
| Noninterest income to average assets | 0.6416% | 1,578 |
| Noninterest expense to average assets | 2.0789% | 3,208 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0302% | 2,042 |
| Return on assets (ROA) | 1.0302% | 2,016 |
| Pretax return on assets | 1.1619% | 2,199 |
| Return on Equity (ROE) | 8.6946% | 2,793 |
| Retained earnings to average equity (ytd only) | -36.3419% | 4,753 |
| Net charge-offs to loans | -0.2625% | 4,632 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2694% | 2,876 |
| Assets per employee ($millions) | 6.5700% | 2,261 |
| Cash dividends to net income (ytd only)* | 517.9799% | 13 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8686% | 712 |
| Loan loss allowance to noncurrent loans | 140.4618% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 0.7494% | 703 |
| Noncurrent loans to loans | 1.3303% | 587 |
| Net loans and leases to total assets | 50.9390% | 3,268 |
| Net loans and leases to deposits | 59.0009% | 3,134 |
| Net loans and leases to core deposits | 60.5788% | 3,230 |
| Total domestic deposits to total assets | 86.3358% | 3,162 |
| Equity capital to assets | 9.7367% | 1,860 |
| Core capital (leverage) ratio | 9.8898% | 2,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $463,221,000 | 1,833 |
| Average earning assets | $424,107,000 | 1,863 |
| Average equity | $54,884,333 | 1,553 |
| Average total loans | $236,196,667 | 2,017 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1553% | 2,811 |
| Cost of funding earning assets | 0.2661% | 1,965 |
| Net interest margin | 2.8892% | 2,874 |
| Noninterest income to average assets | 0.7305% | 1,218 |
| Noninterest expense to average assets | 2.1342% | 3,032 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1516% | 1,373 |
| Return on assets (ROA) | 1.1516% | 1,374 |
| Pretax return on assets | 1.2509% | 1,654 |
| Return on Equity (ROE) | 8.6983% | 2,439 |
| Retained earnings to average equity (ytd only) | 6.1090% | 2,214 |
| Net charge-offs to loans | -0.0038% | 3,260 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5670% | 3,199 |
| Assets per employee ($millions) | 6.7743% | 2,169 |
| Cash dividends to net income (ytd only)* | 29.7678% | 1,762 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4106% | 314 |
| Loan loss allowance to noncurrent loans | 307.6220% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 0.3905% | 1,539 |
| Noncurrent loans to loans | 0.7836% | 1,213 |
| Net loans and leases to total assets | 48.6266% | 3,320 |
| Net loans and leases to deposits | 56.1301% | 3,260 |
| Net loans and leases to core deposits | 58.0341% | 3,300 |
| Total domestic deposits to total assets | 86.6320% | 3,057 |
| Equity capital to assets | 12.3783% | 838 |
| Core capital (leverage) ratio | 14.1149% | 562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $418,890,500 | 1,984 |
| Average earning assets | $384,881,000 | 2,005 |
| Average equity | $55,459,000 | 1,585 |
| Average total loans | $211,057,000 | 2,165 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3898% | 2,951 |
| Cost of funding earning assets | 0.3350% | 2,067 |
| Net interest margin | 3.0548% | 3,036 |
| Noninterest income to average assets | 0.5966% | 2,175 |
| Noninterest expense to average assets | 2.2119% | 3,045 |
| Loan and lease loss provision to assets | 0.0975% | 1,276 |
| Net operating income to assets | 0.9263% | 2,954 |
| Return on assets (ROA) | 0.9263% | 3,018 |
| Pretax return on assets | 1.1008% | 2,966 |
| Return on Equity (ROE) | 6.4806% | 3,647 |
| Retained earnings to average equity (ytd only) | 4.0050% | 3,219 |
| Net charge-offs to loans | 0.5559% | 147 |
| Credit loss provision to net charge-offs | 32.8407% | 2,226 |
| Earnings coverage of net charge-offs (x) | 4.0369% | 2,511 |
| Efficiency ratio | 64.4179% | 2,495 |
| Assets per employee ($millions) | 6.9629% | 1,953 |
| Cash dividends to net income (ytd only)* | 38.2005% | 2,121 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3695% | 345 |
| Loan loss allowance to noncurrent loans | 124.7033% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 0.9680% | 586 |
| Noncurrent loans to loans | 1.9001% | 419 |
| Net loans and leases to total assets | 49.7377% | 3,317 |
| Net loans and leases to deposits | 58.6709% | 3,197 |
| Net loans and leases to core deposits | 61.0786% | 3,241 |
| Total domestic deposits to total assets | 84.7740% | 3,336 |
| Equity capital to assets | 14.1053% | 645 |
| Core capital (leverage) ratio | 13.9705% | 621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $410,331,800 | 1,955 |
| Average earning assets | $377,931,000 | 1,978 |
| Average equity | $58,651,600 | 1,538 |
| Average total loans | $219,094,000 | 2,107 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4715% | 2,924 |
| Cost of funding earning assets | 0.3490% | 2,124 |
| Net interest margin | 3.1224% | 2,992 |
| Noninterest income to average assets | 0.5542% | 2,397 |
| Noninterest expense to average assets | 2.1063% | 3,340 |
| Loan and lease loss provision to assets | 0.1305% | 887 |
| Net operating income to assets | 1.0001% | 2,910 |
| Return on assets (ROA) | 1.0001% | 2,973 |
| Pretax return on assets | 1.1937% | 2,955 |
| Return on Equity (ROE) | 6.9735% | 3,670 |
| Retained earnings to average equity (ytd only) | 4.3539% | 3,460 |
| Net charge-offs to loans | 0.7366% | 103 |
| Credit loss provision to net charge-offs | 32.8138% | 1,944 |
| Earnings coverage of net charge-offs (x) | 3.3281% | 2,316 |
| Efficiency ratio | 60.9800% | 2,838 |
| Assets per employee ($millions) | 7.0506% | 1,830 |
| Cash dividends to net income (ytd only)* | 37.5653% | 1,729 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3382% | 366 |
| Loan loss allowance to noncurrent loans | 116.4396% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 1.0532% | 614 |
| Noncurrent loans to loans | 2.0081% | 437 |
| Net loans and leases to total assets | 50.6350% | 3,330 |
| Net loans and leases to deposits | 59.7978% | 3,246 |
| Net loans and leases to core deposits | 62.2935% | 3,285 |
| Total domestic deposits to total assets | 84.6770% | 3,235 |
| Equity capital to assets | 14.1588% | 697 |
| Core capital (leverage) ratio | 14.0861% | 617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $408,471,750 | 1,980 |
| Average earning assets | $376,278,500 | 2,002 |
| Average equity | $58,582,500 | 1,563 |
| Average total loans | $220,659,250 | 2,134 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5073% | 2,873 |
| Cost of funding earning assets | 0.3646% | 2,183 |
| Net interest margin | 3.1427% | 2,915 |
| Noninterest income to average assets | 0.5326% | 2,480 |
| Noninterest expense to average assets | 2.0750% | 3,464 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1168% | 2,482 |
| Return on assets (ROA) | 1.1168% | 2,550 |
| Pretax return on assets | 1.3405% | 2,518 |
| Return on Equity (ROE) | 7.7534% | 3,473 |
| Retained earnings to average equity (ytd only) | 4.9455% | 3,206 |
| Net charge-offs to loans | 0.0027% | 2,099 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 907.0000% | 148 |
| Efficiency ratio | 60.3202% | 2,976 |
| Assets per employee ($millions) | 6.5856% | 2,105 |
| Cash dividends to net income (ytd only)* | 36.2153% | 1,777 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6466% | 229 |
| Loan loss allowance to noncurrent loans | 122.6293% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 1.1822% | 588 |
| Noncurrent loans to loans | 2.1582% | 422 |
| Net loans and leases to total assets | 52.7744% | 3,275 |
| Net loans and leases to deposits | 62.8503% | 3,120 |
| Net loans and leases to core deposits | 65.5204% | 3,155 |
| Total domestic deposits to total assets | 83.9683% | 3,453 |
| Equity capital to assets | 14.4853% | 621 |
| Core capital (leverage) ratio | 13.9140% | 642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $405,968,000 | 1,984 |
| Average earning assets | $372,424,000 | 2,009 |
| Average equity | $58,477,333 | 1,562 |
| Average total loans | $222,320,333 | 2,137 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3110% | 3,421 |
| Cost of funding earning assets | 0.3750% | 2,316 |
| Net interest margin | 2.9360% | 3,419 |
| Noninterest income to average assets | 0.5247% | 2,504 |
| Noninterest expense to average assets | 1.9901% | 3,750 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0217% | 2,744 |
| Return on assets (ROA) | 1.0217% | 2,826 |
| Pretax return on assets | 1.2194% | 2,791 |
| Return on Equity (ROE) | 7.1134% | 3,578 |
| Retained earnings to average equity (ytd only) | 4.3547% | 3,399 |
| Net charge-offs to loans | -0.0090% | 3,630 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5456% | 2,830 |
| Assets per employee ($millions) | 6.7488% | 1,973 |
| Cash dividends to net income (ytd only)* | 38.7814% | 1,424 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6237% | 220 |
| Loan loss allowance to noncurrent loans | 126.6134% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 1.4837% | 432 |
| Noncurrent loans to loans | 2.0722% | 507 |
| Net loans and leases to total assets | 52.8849% | 3,360 |
| Net loans and leases to deposits | 62.5539% | 3,270 |
| Net loans and leases to core deposits | 65.2632% | 3,294 |
| Total domestic deposits to total assets | 84.5429% | 3,265 |
| Equity capital to assets | 14.0395% | 664 |
| Core capital (leverage) ratio | 14.1272% | 631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $404,797,000 | 1,977 |
| Average earning assets | $370,163,500 | 2,002 |
| Average equity | $58,143,500 | 1,559 |
| Average total loans | $222,810,000 | 2,135 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0261% | 2,653 |
| Cost of funding earning assets | 0.6089% | 2,248 |
| Net interest margin | 3.4173% | 2,720 |
| Noninterest income to average assets | 0.5944% | 2,233 |
| Noninterest expense to average assets | 2.4002% | 3,135 |
| Loan and lease loss provision to assets | 0.1381% | 2,633 |
| Net operating income to assets | 1.0033% | 2,281 |
| Return on assets (ROA) | 1.0033% | 2,421 |
| Pretax return on assets | 1.2018% | 2,314 |
| Return on Equity (ROE) | 6.5181% | 3,400 |
| Retained earnings to average equity (ytd only) | 3.3744% | 3,139 |
| Net charge-offs to loans | -0.0161% | 4,372 |
| Credit loss provision to net charge-offs | -1,408.1081% | 4,123 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7497% | 2,860 |
| Assets per employee ($millions) | 6.3162% | 2,076 |
| Cash dividends to net income (ytd only)* | 48.2303% | 1,935 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6396% | 214 |
| Loan loss allowance to noncurrent loans | 124.1737% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 1.5568% | 454 |
| Noncurrent loans to loans | 2.1257% | 514 |
| Net loans and leases to total assets | 54.3274% | 3,464 |
| Net loans and leases to deposits | 64.8670% | 3,371 |
| Net loans and leases to core deposits | 67.7168% | 3,432 |
| Total domestic deposits to total assets | 83.7520% | 3,184 |
| Equity capital to assets | 14.6990% | 631 |
| Core capital (leverage) ratio | 14.0385% | 680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $377,342,200 | 1,930 |
| Average earning assets | $347,355,000 | 1,947 |
| Average equity | $58,084,800 | 1,483 |
| Average total loans | $229,152,200 | 2,042 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1556% | 2,506 |
| Cost of funding earning assets | 0.6675% | 2,216 |
| Net interest margin | 3.4881% | 2,627 |
| Noninterest income to average assets | 0.5739% | 2,280 |
| Noninterest expense to average assets | 2.3460% | 3,296 |
| Loan and lease loss provision to assets | 0.1867% | 2,119 |
| Net operating income to assets | 1.0510% | 2,140 |
| Return on assets (ROA) | 1.0510% | 2,276 |
| Pretax return on assets | 1.2631% | 2,181 |
| Return on Equity (ROE) | 6.7466% | 3,293 |
| Retained earnings to average equity (ytd only) | 3.3204% | 3,388 |
| Net charge-offs to loans | -0.0214% | 4,442 |
| Credit loss provision to net charge-offs | -1,408.1081% | 4,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3817% | 3,165 |
| Assets per employee ($millions) | 6.3423% | 1,964 |
| Cash dividends to net income (ytd only)* | 50.7839% | 1,465 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5106% | 225 |
| Loan loss allowance to noncurrent loans | 124.7552% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 1.5698% | 529 |
| Noncurrent loans to loans | 2.0124% | 599 |
| Net loans and leases to total assets | 57.8769% | 3,432 |
| Net loans and leases to deposits | 69.5027% | 3,351 |
| Net loans and leases to core deposits | 71.9894% | 3,474 |
| Total domestic deposits to total assets | 83.2729% | 3,070 |
| Equity capital to assets | 15.0052% | 636 |
| Core capital (leverage) ratio | 14.6141% | 603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $372,198,000 | 1,933 |
| Average earning assets | $343,786,500 | 1,945 |
| Average equity | $57,983,500 | 1,480 |
| Average total loans | $230,930,250 | 2,030 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2945% | 2,487 |
| Cost of funding earning assets | 0.7473% | 2,141 |
| Net interest margin | 3.5472% | 2,647 |
| Noninterest income to average assets | 0.5236% | 2,470 |
| Noninterest expense to average assets | 2.3467% | 3,409 |
| Loan and lease loss provision to assets | 0.1484% | 2,523 |
| Net operating income to assets | 1.0964% | 1,978 |
| Return on assets (ROA) | 1.0964% | 2,097 |
| Pretax return on assets | 1.3144% | 1,986 |
| Return on Equity (ROE) | 6.9462% | 3,153 |
| Retained earnings to average equity (ytd only) | 5.0136% | 2,466 |
| Net charge-offs to loans | -0.0261% | 4,493 |
| Credit loss provision to net charge-offs | -903.3333% | 3,734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1702% | 3,254 |
| Assets per employee ($millions) | 6.4771% | 1,803 |
| Cash dividends to net income (ytd only)* | 27.8222% | 2,440 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3926% | 249 |
| Loan loss allowance to noncurrent loans | 119.3610% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 1.6777% | 503 |
| Noncurrent loans to loans | 2.0045% | 673 |
| Net loans and leases to total assets | 58.8281% | 3,439 |
| Net loans and leases to deposits | 70.7224% | 3,368 |
| Net loans and leases to core deposits | 73.9256% | 3,467 |
| Total domestic deposits to total assets | 83.1817% | 3,037 |
| Equity capital to assets | 15.2155% | 585 |
| Core capital (leverage) ratio | 14.7435% | 612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $365,189,333 | 1,937 |
| Average earning assets | $338,292,667 | 1,952 |
| Average equity | $57,643,333 | 1,471 |
| Average total loans | $230,091,333 | 2,014 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5904% | 2,026 |
| Cost of funding earning assets | 0.8570% | 2,080 |
| Net interest margin | 3.7334% | 2,206 |
| Noninterest income to average assets | 0.4074% | 3,046 |
| Noninterest expense to average assets | 2.5100% | 3,242 |
| Loan and lease loss provision to assets | 0.3067% | 1,012 |
| Net operating income to assets | 0.8646% | 2,637 |
| Return on assets (ROA) | 0.8646% | 2,741 |
| Pretax return on assets | 1.0219% | 2,773 |
| Return on Equity (ROE) | 5.3709% | 3,519 |
| Retained earnings to average equity (ytd only) | 3.7821% | 2,770 |
| Net charge-offs to loans | -0.0439% | 4,587 |
| Credit loss provision to net charge-offs | -1,084.0000% | 3,570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9469% | 3,095 |
| Assets per employee ($millions) | 5.7544% | 1,890 |
| Cash dividends to net income (ytd only)* | 29.5812% | 2,161 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4754% | 255 |
| Loan loss allowance to noncurrent loans | 53.1366% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 3.3529% | 153 |
| Noncurrent loans to loans | 4.6586% | 146 |
| Net loans and leases to total assets | 61.8276% | 3,317 |
| Net loans and leases to deposits | 75.5292% | 3,117 |
| Net loans and leases to core deposits | 79.6714% | 3,227 |
| Total domestic deposits to total assets | 81.8592% | 3,455 |
| Equity capital to assets | 16.2009% | 546 |
| Core capital (leverage) ratio | 15.8365% | 538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $353,472,000 | 1,943 |
| Average earning assets | $324,851,500 | 1,955 |
| Average equity | $56,899,500 | 1,476 |
| Average total loans | $228,025,000 | 1,998 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7633% | 2,153 |
| Cost of funding earning assets | 0.9920% | 1,760 |
| Net interest margin | 3.7713% | 2,601 |
| Noninterest income to average assets | 0.5143% | 2,651 |
| Noninterest expense to average assets | 2.4680% | 3,531 |
| Loan and lease loss provision to assets | 0.1540% | 1,369 |
| Net operating income to assets | 1.1290% | 2,342 |
| Return on assets (ROA) | 1.1290% | 2,434 |
| Pretax return on assets | 1.3608% | 2,293 |
| Return on Equity (ROE) | 7.4559% | 3,386 |
| Retained earnings to average equity (ytd only) | 4.9269% | 2,457 |
| Net charge-offs to loans | -0.0043% | 4,320 |
| Credit loss provision to net charge-offs | -5,500.0000% | 4,679 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5801% | 3,441 |
| Assets per employee ($millions) | 5.7405% | 1,847 |
| Cash dividends to net income (ytd only)* | 33.9202% | 2,908 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3070% | 285 |
| Loan loss allowance to noncurrent loans | 67.8567% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 3.2978% | 150 |
| Noncurrent loans to loans | 3.3998% | 247 |
| Net loans and leases to total assets | 64.1297% | 3,181 |
| Net loans and leases to deposits | 79.2678% | 2,872 |
| Net loans and leases to core deposits | 84.0381% | 2,947 |
| Total domestic deposits to total assets | 80.9026% | 3,791 |
| Equity capital to assets | 15.9918% | 605 |
| Core capital (leverage) ratio | 15.4679% | 596 |
| Tier 1 risk-based capital ratio | 18.5293% | 1,621 |
| Total risk-based capital ratio | 19.7858% | 1,594 |
| Memoranda: |
| Average total assets | $357,214,400 | 1,886 |
| Average earning assets | $328,534,200 | 1,882 |
| Average equity | $54,091,200 | 1,492 |
| Average total loans | $234,364,600 | 1,930 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7414% | 2,295 |
| Cost of funding earning assets | 0.9972% | 1,776 |
| Net interest margin | 3.7442% | 2,771 |
| Noninterest income to average assets | 0.4951% | 2,760 |
| Noninterest expense to average assets | 2.3563% | 3,807 |
| Loan and lease loss provision to assets | 0.2043% | 863 |
| Net operating income to assets | 1.1492% | 2,374 |
| Return on assets (ROA) | 1.1492% | 2,463 |
| Pretax return on assets | 1.3876% | 2,357 |
| Return on Equity (ROE) | 7.6943% | 3,435 |
| Retained earnings to average equity (ytd only) | 5.4487% | 2,646 |
| Net charge-offs to loans | -0.0028% | 4,094 |
| Credit loss provision to net charge-offs | -11,000.0000% | 4,682 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6802% | 3,698 |
| Assets per employee ($millions) | 5.8288% | 1,734 |
| Cash dividends to net income (ytd only)* | 29.1855% | 2,651 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3039% | 283 |
| Loan loss allowance to noncurrent loans | 75.3092% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 2.9796% | 191 |
| Noncurrent loans to loans | 3.0592% | 313 |
| Net loans and leases to total assets | 62.1673% | 3,480 |
| Net loans and leases to deposits | 75.2666% | 3,366 |
| Net loans and leases to core deposits | 79.7108% | 3,410 |
| Total domestic deposits to total assets | 82.5962% | 3,282 |
| Equity capital to assets | 15.3645% | 757 |
| Core capital (leverage) ratio | 15.1553% | 705 |
| Tier 1 risk-based capital ratio | 18.6885% | 1,643 |
| Total risk-based capital ratio | 19.9457% | 1,611 |
| Memoranda: |
| Average total assets | $358,974,750 | 1,896 |
| Average earning assets | $331,061,250 | 1,892 |
| Average equity | $53,614,250 | 1,501 |
| Average total loans | $235,488,750 | 1,933 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6615% | 2,475 |
| Cost of funding earning assets | 0.9883% | 1,748 |
| Net interest margin | 3.6731% | 3,019 |
| Noninterest income to average assets | 0.4411% | 3,009 |
| Noninterest expense to average assets | 2.2470% | 4,134 |
| Loan and lease loss provision to assets | 0.3071% | 445 |
| Net operating income to assets | 1.0609% | 2,676 |
| Return on assets (ROA) | 1.0609% | 2,740 |
| Pretax return on assets | 1.2759% | 2,649 |
| Return on Equity (ROE) | 7.1729% | 3,609 |
| Retained earnings to average equity (ytd only) | 5.2664% | 2,635 |
| Net charge-offs to loans | -0.0084% | 4,271 |
| Credit loss provision to net charge-offs | -5,500.0000% | 4,494 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6674% | 3,908 |
| Assets per employee ($millions) | 5.9260% | 1,598 |
| Cash dividends to net income (ytd only)* | 26.5789% | 2,779 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2068% | 331 |
| Loan loss allowance to noncurrent loans | 76.5334% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 2.9495% | 207 |
| Noncurrent loans to loans | 2.8834% | 364 |
| Net loans and leases to total assets | 65.0094% | 3,239 |
| Net loans and leases to deposits | 78.5045% | 3,108 |
| Net loans and leases to core deposits | 82.5083% | 3,239 |
| Total domestic deposits to total assets | 82.8097% | 3,269 |
| Equity capital to assets | 15.0951% | 789 |
| Core capital (leverage) ratio | 14.9155% | 723 |
| Tier 1 risk-based capital ratio | 18.3188% | 1,718 |
| Total risk-based capital ratio | 19.5758% | 1,678 |
| Memoranda: |
| Average total assets | $358,171,000 | 1,907 |
| Average earning assets | $330,452,330 | 1,904 |
| Average equity | $52,977,330 | 1,513 |
| Average total loans | $237,331,000 | 1,926 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3675% | 3,349 |
| Cost of funding earning assets | 0.9649% | 1,722 |
| Net interest margin | 3.4026% | 3,876 |
| Noninterest income to average assets | 0.3893% | 3,263 |
| Noninterest expense to average assets | 2.2473% | 4,154 |
| Loan and lease loss provision to assets | 0.6171% | 168 |
| Net operating income to assets | 0.5812% | 4,298 |
| Return on assets (ROA) | 0.5812% | 4,333 |
| Pretax return on assets | 0.6586% | 4,401 |
| Return on Equity (ROE) | 3.9707% | 4,579 |
| Retained earnings to average equity (ytd only) | 3.0815% | 3,703 |
| Net charge-offs to loans | -0.0119% | 4,291 |
| Credit loss provision to net charge-offs | -7,857.1429% | 4,232 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7898% | 3,273 |
| Assets per employee ($millions) | 5.8863% | 1,634 |
| Cash dividends to net income (ytd only)* | 22.3938% | 2,410 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2629% | 325 |
| Loan loss allowance to noncurrent loans | 34.2090% | 4,557 |
| Noncurrent assets plus other real estate owned to assets | 4.3148% | 98 |
| Noncurrent loans to loans | 6.6150% | 61 |
| Net loans and leases to total assets | 63.7519% | 3,321 |
| Net loans and leases to deposits | 76.5921% | 3,206 |
| Net loans and leases to core deposits | 80.8284% | 3,288 |
| Total domestic deposits to total assets | 83.2356% | 3,304 |
| Equity capital to assets | 14.7027% | 827 |
| Core capital (leverage) ratio | 14.8704% | 726 |
| Tier 1 risk-based capital ratio | 18.3613% | 1,699 |
| Total risk-based capital ratio | 19.6185% | 1,638 |
| Memoranda: |
| Average total assets | $356,512,500 | 1,926 |
| Average earning assets | $328,333,500 | 1,927 |
| Average equity | $52,182,500 | 1,523 |
| Average total loans | $235,844,500 | 1,952 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6827% | 1,888 |
| Cost of funding earning assets | 0.8877% | 1,143 |
| Net interest margin | 3.7950% | 2,675 |
| Noninterest income to average assets | 0.4672% | 3,011 |
| Noninterest expense to average assets | 2.2068% | 4,323 |
| Loan and lease loss provision to assets | 1.1398% | 67 |
| Net operating income to assets | 0.5516% | 4,545 |
| Return on assets (ROA) | 0.5516% | 4,541 |
| Pretax return on assets | 0.6173% | 4,602 |
| Return on Equity (ROE) | 3.8711% | 4,742 |
| Retained earnings to average equity (ytd only) | 2.9167% | 3,937 |
| Net charge-offs to loans | 1.8428% | 57 |
| Credit loss provision to net charge-offs | 91.6100% | 2,700 |
| Earnings coverage of net charge-offs (x) | 1.4122% | 3,627 |
| Efficiency ratio | 55.6726% | 4,447 |
| Assets per employee ($millions) | 5.7090% | 1,766 |
| Cash dividends to net income (ytd only)* | 24.6547% | 3,294 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9972% | 472 |
| Loan loss allowance to noncurrent loans | 49.9421% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 2.6831% | 269 |
| Noncurrent loans to loans | 3.9991% | 184 |
| Net loans and leases to total assets | 65.7519% | 3,168 |
| Net loans and leases to deposits | 79.8047% | 2,976 |
| Net loans and leases to core deposits | 84.2621% | 3,060 |
| Total domestic deposits to total assets | 82.3910% | 3,522 |
| Equity capital to assets | 14.5702% | 818 |
| Core capital (leverage) ratio | 14.4090% | 822 |
| Tier 1 risk-based capital ratio | 18.0516% | 1,743 |
| Total risk-based capital ratio | 19.3063% | 1,701 |
| Memoranda: |
| Average total assets | $354,443,200 | 1,904 |
| Average earning assets | $326,587,800 | 1,906 |
| Average equity | $50,502,600 | 1,508 |
| Average total loans | $239,312,200 | 1,884 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5866% | 2,015 |
| Cost of funding earning assets | 0.8536% | 1,103 |
| Net interest margin | 3.7330% | 2,887 |
| Noninterest income to average assets | 0.4764% | 3,004 |
| Noninterest expense to average assets | 2.2284% | 4,257 |
| Loan and lease loss provision to assets | 1.0868% | 73 |
| Net operating income to assets | 0.5411% | 4,668 |
| Return on assets (ROA) | 0.5411% | 4,675 |
| Pretax return on assets | 0.6017% | 4,726 |
| Return on Equity (ROE) | 3.8193% | 4,858 |
| Retained earnings to average equity (ytd only) | 3.3336% | 4,085 |
| Net charge-offs to loans | 1.2667% | 101 |
| Credit loss provision to net charge-offs | 126.8657% | 1,926 |
| Earnings coverage of net charge-offs (x) | 1.9710% | 3,292 |
| Efficiency ratio | 56.8932% | 4,267 |
| Assets per employee ($millions) | 5.8084% | 1,635 |
| Cash dividends to net income (ytd only)* | 12.7170% | 3,287 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3757% | 280 |
| Loan loss allowance to noncurrent loans | 46.3863% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 3.4272% | 175 |
| Noncurrent loans to loans | 5.1215% | 119 |
| Net loans and leases to total assets | 65.3277% | 3,271 |
| Net loans and leases to deposits | 77.9979% | 3,241 |
| Net loans and leases to core deposits | 82.0830% | 3,318 |
| Total domestic deposits to total assets | 83.7557% | 3,027 |
| Equity capital to assets | 14.0337% | 949 |
| Core capital (leverage) ratio | 14.5737% | 803 |
| Tier 1 risk-based capital ratio | 17.7624% | 1,854 |
| Total risk-based capital ratio | 19.0216% | 1,811 |
| Memoranda: |
| Average total assets | $354,563,750 | 1,909 |
| Average earning assets | $326,768,000 | 1,913 |
| Average equity | $50,235,000 | 1,518 |
| Average total loans | $239,770,500 | 1,891 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4908% | 2,118 |
| Cost of funding earning assets | 0.8365% | 981 |
| Net interest margin | 3.6543% | 3,100 |
| Noninterest income to average assets | 0.4871% | 2,935 |
| Noninterest expense to average assets | 2.1785% | 4,420 |
| Loan and lease loss provision to assets | 1.5253% | 45 |
| Net operating income to assets | 0.1463% | 5,263 |
| Return on assets (ROA) | 0.1463% | 5,256 |
| Pretax return on assets | 0.1520% | 5,271 |
| Return on Equity (ROE) | 1.0292% | 5,270 |
| Retained earnings to average equity (ytd only) | 1.0292% | 4,746 |
| Net charge-offs to loans | 1.9201% | 56 |
| Credit loss provision to net charge-offs | 117.0583% | 1,820 |
| Earnings coverage of net charge-offs (x) | 1.2872% | 3,076 |
| Efficiency ratio | 56.5000% | 4,418 |
| Assets per employee ($millions) | 5.7784% | 1,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2883% | 322 |
| Loan loss allowance to noncurrent loans | 33.0551% | 4,709 |
| Noncurrent assets plus other real estate owned to assets | 4.7248% | 102 |
| Noncurrent loans to loans | 6.9227% | 58 |
| Net loans and leases to total assets | 66.6888% | 3,053 |
| Net loans and leases to deposits | 79.6834% | 2,980 |
| Net loans and leases to core deposits | 83.7195% | 3,104 |
| Total domestic deposits to total assets | 83.6922% | 3,178 |
| Equity capital to assets | 14.1565% | 889 |
| Core capital (leverage) ratio | 14.2122% | 846 |
| Tier 1 risk-based capital ratio | 17.6694% | 1,897 |
| Total risk-based capital ratio | 18.9282% | 1,852 |
| Memoranda: |
| Average total assets | $352,711,670 | 1,925 |
| Average earning assets | $325,154,330 | 1,929 |
| Average equity | $50,134,000 | 1,519 |
| Average total loans | $239,366,330 | 1,892 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4030% | 2,187 |
| Cost of funding earning assets | 0.8014% | 947 |
| Net interest margin | 3.6015% | 3,174 |
| Noninterest income to average assets | 0.4728% | 2,982 |
| Noninterest expense to average assets | 2.1948% | 4,432 |
| Loan and lease loss provision to assets | 1.4455% | 54 |
| Net operating income to assets | 0.1871% | 5,255 |
| Return on assets (ROA) | 0.1871% | 5,253 |
| Pretax return on assets | 0.1440% | 5,307 |
| Return on Equity (ROE) | 1.3134% | 5,279 |
| Retained earnings to average equity (ytd only) | 1.3134% | 4,540 |
| Net charge-offs to loans | -0.0050% | 4,014 |
| Credit loss provision to net charge-offs | -42,500.0000% | 4,555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9988% | 4,340 |
| Assets per employee ($millions) | 6.0289% | 1,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7146% | 205 |
| Loan loss allowance to noncurrent loans | 31.3131% | 4,783 |
| Noncurrent assets plus other real estate owned to assets | 5.6422% | 80 |
| Noncurrent loans to loans | 8.6693% | 39 |
| Net loans and leases to total assets | 63.3161% | 3,394 |
| Net loans and leases to deposits | 75.6087% | 3,256 |
| Net loans and leases to core deposits | 84.6758% | 2,919 |
| Total domestic deposits to total assets | 83.7417% | 3,422 |
| Equity capital to assets | 13.8148% | 940 |
| Core capital (leverage) ratio | 14.4692% | 771 |
| Tier 1 risk-based capital ratio | 17.6989% | 1,919 |
| Total risk-based capital ratio | 18.9618% | 1,865 |
| Memoranda: |
| Average total assets | $352,826,500 | 1,932 |
| Average earning assets | $324,416,000 | 1,944 |
| Average equity | $50,251,500 | 1,523 |
| Average total loans | $238,764,000 | 1,905 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6961% | 1,205 |
| Cost of funding earning assets | 0.6731% | 1,166 |
| Net interest margin | 4.0229% | 1,680 |
| Noninterest income to average assets | 0.4377% | 3,390 |
| Noninterest expense to average assets | 2.3299% | 4,256 |
| Loan and lease loss provision to assets | 0.3987% | 369 |
| Net operating income to assets | 0.8558% | 2,930 |
| Return on assets (ROA) | 0.8558% | 2,951 |
| Pretax return on assets | 1.4378% | 1,860 |
| Return on Equity (ROE) | 5.7952% | 3,839 |
| Retained earnings to average equity (ytd only) | 2.9264% | 3,552 |
| Net charge-offs to loans | 0.7998% | 251 |
| Credit loss provision to net charge-offs | 68.2388% | 3,111 |
| Earnings coverage of net charge-offs (x) | 3.1430% | 3,647 |
| Efficiency ratio | 55.9215% | 4,775 |
| Assets per employee ($millions) | 5.5470% | 1,892 |
| Cash dividends to net income (ytd only)* | 49.5033% | 2,309 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1119% | 438 |
| Loan loss allowance to noncurrent loans | 44.8903% | 4,589 |
| Noncurrent assets plus other real estate owned to assets | 3.3118% | 213 |
| Noncurrent loans to loans | 4.7047% | 163 |
| Net loans and leases to total assets | 68.9082% | 2,699 |
| Net loans and leases to deposits | 83.7810% | 2,514 |
| Net loans and leases to core deposits | 93.8050% | 2,213 |
| Total domestic deposits to total assets | 82.2480% | 3,805 |
| Equity capital to assets | 14.6925% | 738 |
| Core capital (leverage) ratio | 14.6207% | 705 |
| Tier 1 risk-based capital ratio | 17.6468% | 1,902 |
| Total risk-based capital ratio | 18.9041% | 1,852 |
| Memoranda: |
| Average total assets | $341,084,400 | 1,957 |
| Average earning assets | $316,136,400 | 1,957 |
| Average equity | $50,369,000 | 1,512 |
| Average total loans | $249,175,400 | 1,824 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7131% | 1,107 |
| Cost of funding earning assets | 0.6368% | 1,323 |
| Net interest margin | 4.0763% | 1,460 |
| Noninterest income to average assets | 0.4379% | 3,421 |
| Noninterest expense to average assets | 2.2860% | 4,335 |
| Loan and lease loss provision to assets | 0.1410% | 1,500 |
| Net operating income to assets | 1.2147% | 1,629 |
| Return on assets (ROA) | 1.2147% | 1,660 |
| Pretax return on assets | 1.7995% | 895 |
| Return on Equity (ROE) | 8.2151% | 3,016 |
| Retained earnings to average equity (ytd only) | 5.4176% | 2,591 |
| Net charge-offs to loans | 0.0005% | 3,785 |
| Credit loss provision to net charge-offs | 36,000.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 4,966.2932% | 9 |
| Efficiency ratio | 54.0871% | 4,931 |
| Assets per employee ($millions) | 5.7105% | 1,706 |
| Cash dividends to net income (ytd only)* | 34.0534% | 2,562 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4405% | 285 |
| Loan loss allowance to noncurrent loans | 72.3084% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 2.4238% | 463 |
| Noncurrent loans to loans | 3.3751% | 332 |
| Net loans and leases to total assets | 70.0607% | 2,549 |
| Net loans and leases to deposits | 85.2368% | 2,405 |
| Net loans and leases to core deposits | 94.7572% | 2,198 |
| Total domestic deposits to total assets | 82.1954% | 3,714 |
| Equity capital to assets | 14.7771% | 788 |
| Core capital (leverage) ratio | 15.0061% | 663 |
| Tier 1 risk-based capital ratio | 17.8173% | 1,906 |
| Total risk-based capital ratio | 19.0789% | 1,852 |
| Memoranda: |
| Average total assets | $340,376,250 | 1,978 |
| Average earning assets | $316,358,000 | 1,967 |
| Average equity | $50,328,750 | 1,530 |
| Average total loans | $250,944,250 | 1,819 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6886% | 1,080 |
| Cost of funding earning assets | 0.5842% | 1,549 |
| Net interest margin | 4.1043% | 1,314 |
| Noninterest income to average assets | 0.4376% | 3,439 |
| Noninterest expense to average assets | 2.1491% | 4,672 |
| Loan and lease loss provision to assets | 0.2132% | 837 |
| Net operating income to assets | 1.2774% | 1,360 |
| Return on assets (ROA) | 1.2774% | 1,386 |
| Pretax return on assets | 1.8903% | 674 |
| Return on Equity (ROE) | 8.6372% | 2,699 |
| Retained earnings to average equity (ytd only) | 5.9223% | 2,164 |
| Net charge-offs to loans | 0.0016% | 3,462 |
| Credit loss provision to net charge-offs | 18,000.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 1,776.0000% | 31 |
| Efficiency ratio | 50.5361% | 5,275 |
| Assets per employee ($millions) | 5.4478% | 1,923 |
| Cash dividends to net income (ytd only)* | 31.4325% | 2,733 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3564% | 351 |
| Loan loss allowance to noncurrent loans | 133.9478% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 1.3277% | 1,224 |
| Noncurrent loans to loans | 1.7592% | 1,028 |
| Net loans and leases to total assets | 73.6966% | 1,930 |
| Net loans and leases to deposits | 91.6229% | 1,548 |
| Net loans and leases to core deposits | 102.8940% | 1,444 |
| Total domestic deposits to total assets | 80.4347% | 4,316 |
| Equity capital to assets | 14.8246% | 733 |
| Core capital (leverage) ratio | 14.8304% | 673 |
| Tier 1 risk-based capital ratio | 17.2336% | 2,083 |
| Total risk-based capital ratio | 18.4945% | 2,030 |
| Memoranda: |
| Average total assets | $337,721,000 | 1,991 |
| Average earning assets | $313,911,670 | 1,985 |
| Average equity | $49,946,670 | 1,539 |
| Average total loans | $251,207,000 | 1,819 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4275% | 1,560 |
| Cost of funding earning assets | 0.5526% | 1,696 |
| Net interest margin | 3.8748% | 1,874 |
| Noninterest income to average assets | 0.4526% | 3,298 |
| Noninterest expense to average assets | 2.1303% | 4,792 |
| Loan and lease loss provision to assets | 0.3761% | 302 |
| Net operating income to assets | 1.0568% | 2,044 |
| Return on assets (ROA) | 1.0568% | 2,088 |
| Pretax return on assets | 1.5464% | 1,387 |
| Return on Equity (ROE) | 7.1544% | 3,340 |
| Retained earnings to average equity (ytd only) | 4.4947% | 3,172 |
| Net charge-offs to loans | -0.0016% | 3,987 |
| Credit loss provision to net charge-offs | -31,500.0000% | 4,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5633% | 5,241 |
| Assets per employee ($millions) | 5.4757% | 1,915 |
| Cash dividends to net income (ytd only)* | 37.1751% | 2,103 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4504% | 331 |
| Loan loss allowance to noncurrent loans | 39.1982% | 4,876 |
| Noncurrent assets plus other real estate owned to assets | 4.6300% | 138 |
| Noncurrent loans to loans | 6.2512% | 104 |
| Net loans and leases to total assets | 72.2502% | 2,040 |
| Net loans and leases to deposits | 87.5243% | 1,857 |
| Net loans and leases to core deposits | 97.6317% | 1,689 |
| Total domestic deposits to total assets | 82.5486% | 3,990 |
| Equity capital to assets | 14.9138% | 674 |
| Core capital (leverage) ratio | 15.0010% | 603 |
| Tier 1 risk-based capital ratio | 17.4667% | 2,038 |
| Total risk-based capital ratio | 18.7284% | 1,992 |
| Memoranda: |
| Average total assets | $334,974,500 | 2,020 |
| Average earning assets | $311,240,000 | 2,018 |
| Average equity | $49,480,000 | 1,548 |
| Average total loans | $247,290,000 | 1,849 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2743% | 2,236 |
| Cost of funding earning assets | 0.5217% | 1,930 |
| Net interest margin | 3.7527% | 2,491 |
| Noninterest income to average assets | 0.4204% | 3,739 |
| Noninterest expense to average assets | 2.2274% | 4,708 |
| Loan and lease loss provision to assets | 0.2673% | 755 |
| Net operating income to assets | 0.9664% | 2,505 |
| Return on assets (ROA) | 0.9664% | 2,609 |
| Pretax return on assets | 1.4169% | 1,872 |
| Return on Equity (ROE) | 6.5661% | 3,709 |
| Retained earnings to average equity (ytd only) | 3.7952% | 3,213 |
| Net charge-offs to loans | -0.0041% | 4,779 |
| Credit loss provision to net charge-offs | -8,900.0000% | 5,489 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9443% | 4,958 |
| Assets per employee ($millions) | 5.5988% | 1,783 |
| Cash dividends to net income (ytd only)* | 42.2001% | 2,765 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3245% | 385 |
| Loan loss allowance to noncurrent loans | 75.1799% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 2.2752% | 557 |
| Noncurrent loans to loans | 3.0920% | 431 |
| Net loans and leases to total assets | 71.8729% | 2,186 |
| Net loans and leases to deposits | 89.4144% | 1,746 |
| Net loans and leases to core deposits | 100.2987% | 1,595 |
| Total domestic deposits to total assets | 80.3819% | 4,486 |
| Equity capital to assets | 14.6296% | 704 |
| Core capital (leverage) ratio | 14.8041% | 632 |
| Tier 1 risk-based capital ratio | 16.9734% | 2,168 |
| Total risk-based capital ratio | 18.2331% | 2,114 |
| Memoranda: |
| Average total assets | $332,983,800 | 1,986 |
| Average earning assets | $309,779,600 | 1,977 |
| Average equity | $49,009,200 | 1,550 |
| Average total loans | $243,500,400 | 1,828 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3795% | 1,920 |
| Cost of funding earning assets | 0.5184% | 1,950 |
| Net interest margin | 3.8611% | 2,112 |
| Noninterest income to average assets | 0.4226% | 3,750 |
| Noninterest expense to average assets | 2.1762% | 4,826 |
| Loan and lease loss provision to assets | 0.2528% | 739 |
| Net operating income to assets | 1.0843% | 2,067 |
| Return on assets (ROA) | 1.0843% | 2,164 |
| Pretax return on assets | 1.5891% | 1,415 |
| Return on Equity (ROE) | 7.3559% | 3,378 |
| Retained earnings to average equity (ytd only) | 4.5709% | 3,097 |
| Net charge-offs to loans | -0.0044% | 4,597 |
| Credit loss provision to net charge-offs | -7,875.0000% | 5,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1596% | 5,231 |
| Assets per employee ($millions) | 5.6345% | 1,729 |
| Cash dividends to net income (ytd only)* | 37.8609% | 2,445 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2120% | 503 |
| Loan loss allowance to noncurrent loans | 926.3514% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.1781% | 4,730 |
| Noncurrent loans to loans | 0.2388% | 4,415 |
| Net loans and leases to total assets | 72.9266% | 2,031 |
| Net loans and leases to deposits | 88.3711% | 1,968 |
| Net loans and leases to core deposits | 99.7675% | 1,659 |
| Total domestic deposits to total assets | 82.5231% | 3,772 |
| Equity capital to assets | 14.9955% | 742 |
| Core capital (leverage) ratio | 14.8369% | 665 |
| Tier 1 risk-based capital ratio | 17.4776% | 2,087 |
| Total risk-based capital ratio | 18.7372% | 2,045 |
| Memoranda: |
| Average total assets | $332,247,500 | 1,994 |
| Average earning assets | $309,406,000 | 1,981 |
| Average equity | $48,975,250 | 1,557 |
| Average total loans | $242,578,500 | 1,838 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3612% | 1,943 |
| Cost of funding earning assets | 0.5132% | 2,002 |
| Net interest margin | 3.8480% | 2,146 |
| Noninterest income to average assets | 0.4239% | 3,707 |
| Noninterest expense to average assets | 2.1560% | 4,941 |
| Loan and lease loss provision to assets | 0.2288% | 891 |
| Net operating income to assets | 1.1120% | 1,918 |
| Return on assets (ROA) | 1.1120% | 2,034 |
| Pretax return on assets | 1.6280% | 1,285 |
| Return on Equity (ROE) | 7.5878% | 3,212 |
| Retained earnings to average equity (ytd only) | 4.7901% | 2,871 |
| Net charge-offs to loans | -0.0017% | 4,353 |
| Credit loss provision to net charge-offs | -19,000.0000% | 5,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7284% | 5,334 |
| Assets per employee ($millions) | 5.5802% | 1,718 |
| Cash dividends to net income (ytd only)* | 36.8706% | 2,565 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1614% | 575 |
| Loan loss allowance to noncurrent loans | 874.2475% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.1786% | 4,782 |
| Noncurrent loans to loans | 0.2472% | 4,468 |
| Net loans and leases to total assets | 70.6809% | 2,373 |
| Net loans and leases to deposits | 85.6520% | 2,290 |
| Net loans and leases to core deposits | 96.6842% | 1,918 |
| Total domestic deposits to total assets | 82.5209% | 3,827 |
| Equity capital to assets | 14.7805% | 791 |
| Core capital (leverage) ratio | 14.4666% | 717 |
| Tier 1 risk-based capital ratio | 17.5906% | 2,049 |
| Total risk-based capital ratio | 18.8493% | 2,012 |
| Memoranda: |
| Average total assets | $332,185,670 | 2,004 |
| Average earning assets | $309,820,670 | 1,988 |
| Average equity | $48,683,670 | 1,563 |
| Average total loans | $240,799,330 | 1,856 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3450% | 1,978 |
| Cost of funding earning assets | 0.5002% | 2,104 |
| Net interest margin | 3.8447% | 2,125 |
| Noninterest income to average assets | 0.4280% | 3,631 |
| Noninterest expense to average assets | 2.2027% | 4,898 |
| Loan and lease loss provision to assets | 0.2116% | 917 |
| Net operating income to assets | 1.0941% | 1,927 |
| Return on assets (ROA) | 1.0941% | 2,022 |
| Pretax return on assets | 1.5909% | 1,321 |
| Return on Equity (ROE) | 7.4976% | 3,187 |
| Retained earnings to average equity (ytd only) | 4.6974% | 3,122 |
| Net charge-offs to loans | 0.0017% | 3,061 |
| Credit loss provision to net charge-offs | 17,500.0000% | 15 |
| Earnings coverage of net charge-offs (x) | 1,491.0000% | 24 |
| Efficiency ratio | 54.9955% | 5,286 |
| Assets per employee ($millions) | 5.4314% | 1,890 |
| Cash dividends to net income (ytd only)* | 37.3481% | 2,168 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1143% | 672 |
| Loan loss allowance to noncurrent loans | 1,707.4830% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.0887% | 5,229 |
| Noncurrent loans to loans | 0.1238% | 4,979 |
| Net loans and leases to total assets | 70.1474% | 2,319 |
| Net loans and leases to deposits | 84.9880% | 2,195 |
| Net loans and leases to core deposits | 95.8850% | 1,815 |
| Total domestic deposits to total assets | 82.5381% | 4,054 |
| Equity capital to assets | 14.7192% | 768 |
| Core capital (leverage) ratio | 14.4999% | 701 |
| Tier 1 risk-based capital ratio | 17.5139% | 2,117 |
| Total risk-based capital ratio | 18.7718% | 2,084 |
| Memoranda: |
| Average total assets | $330,872,500 | 2,021 |
| Average earning assets | $307,848,500 | 2,007 |
| Average equity | $48,282,000 | 1,566 |
| Average total loans | $240,261,000 | 1,857 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3336% | 2,109 |
| Cost of funding earning assets | 0.4848% | 2,310 |
| Net interest margin | 3.8488% | 2,203 |
| Noninterest income to average assets | 0.4304% | 3,818 |
| Noninterest expense to average assets | 2.2660% | 4,889 |
| Loan and lease loss provision to assets | 0.0914% | 2,475 |
| Net operating income to assets | 1.1300% | 1,808 |
| Return on assets (ROA) | 1.1300% | 1,866 |
| Pretax return on assets | 1.6521% | 1,105 |
| Return on Equity (ROE) | 7.8709% | 3,024 |
| Retained earnings to average equity (ytd only) | 4.8092% | 2,559 |
| Net charge-offs to loans | 0.0041% | 4,308 |
| Credit loss provision to net charge-offs | 3,000.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 572.0000% | 112 |
| Efficiency ratio | 56.5151% | 5,297 |
| Assets per employee ($millions) | 5.5072% | 1,796 |
| Cash dividends to net income (ytd only)* | 38.8994% | 2,895 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9935% | 816 |
| Loan loss allowance to noncurrent loans | 6,376.3158% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.1383% | 5,036 |
| Noncurrent loans to loans | 0.0313% | 5,385 |
| Net loans and leases to total assets | 72.1021% | 2,035 |
| Net loans and leases to deposits | 87.1060% | 1,986 |
| Net loans and leases to core deposits | 98.1228% | 1,665 |
| Total domestic deposits to total assets | 82.7752% | 3,920 |
| Equity capital to assets | 14.4651% | 779 |
| Core capital (leverage) ratio | 14.6568% | 679 |
| Tier 1 risk-based capital ratio | 16.8510% | 2,336 |
| Total risk-based capital ratio | 18.1077% | 2,289 |
| Memoranda: |
| Average total assets | $328,060,800 | 2,007 |
| Average earning assets | $305,079,800 | 1,995 |
| Average equity | $47,097,400 | 1,567 |
| Average total loans | $244,711,000 | 1,762 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3524% | 2,068 |
| Cost of funding earning assets | 0.4819% | 2,392 |
| Net interest margin | 3.8705% | 2,127 |
| Noninterest income to average assets | 0.4523% | 3,695 |
| Noninterest expense to average assets | 2.1685% | 5,129 |
| Loan and lease loss provision to assets | 0.0611% | 2,961 |
| Net operating income to assets | 1.2467% | 1,501 |
| Return on assets (ROA) | 1.2467% | 1,553 |
| Pretax return on assets | 1.8269% | 847 |
| Return on Equity (ROE) | 8.7006% | 2,730 |
| Retained earnings to average equity (ytd only) | 5.6432% | 2,495 |
| Net charge-offs to loans | 0.0027% | 4,093 |
| Credit loss provision to net charge-offs | 3,000.0000% | 123 |
| Earnings coverage of net charge-offs (x) | 926.9130% | 82 |
| Efficiency ratio | 53.4578% | 5,556 |
| Assets per employee ($millions) | 5.3795% | 1,879 |
| Cash dividends to net income (ytd only)* | 35.1405% | 2,562 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9652% | 966 |
| Loan loss allowance to noncurrent loans | 5,596.4286% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.2878% | 4,612 |
| Noncurrent loans to loans | 0.0351% | 5,481 |
| Net loans and leases to total assets | 72.6553% | 1,962 |
| Net loans and leases to deposits | 88.1640% | 1,879 |
| Net loans and leases to core deposits | 99.5750% | 1,552 |
| Total domestic deposits to total assets | 82.4093% | 4,021 |
| Equity capital to assets | 14.8235% | 779 |
| Core capital (leverage) ratio | 14.5636% | 723 |
| Tier 1 risk-based capital ratio | 17.4305% | 2,207 |
| Total risk-based capital ratio | 18.6875% | 2,161 |
| Memoranda: |
| Average total assets | $327,468,500 | 2,021 |
| Average earning assets | $304,928,500 | 2,008 |
| Average equity | $46,922,500 | 1,582 |
| Average total loans | $245,115,500 | 1,766 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3600% | 1,973 |
| Cost of funding earning assets | 0.4739% | 2,480 |
| Net interest margin | 3.8861% | 2,032 |
| Noninterest income to average assets | 0.5525% | 3,023 |
| Noninterest expense to average assets | 2.1013% | 5,336 |
| Loan and lease loss provision to assets | 0.0912% | 2,296 |
| Net operating income to assets | 1.3482% | 1,195 |
| Return on assets (ROA) | 1.3482% | 1,239 |
| Pretax return on assets | 1.9785% | 622 |
| Return on Equity (ROE) | 9.5163% | 2,294 |
| Retained earnings to average equity (ytd only) | 6.4529% | 1,974 |
| Net charge-offs to loans | -0.0016% | 4,573 |
| Credit loss provision to net charge-offs | -7,500.0000% | 5,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3789% | 5,832 |
| Assets per employee ($millions) | 5.6074% | 1,652 |
| Cash dividends to net income (ytd only)* | 32.1912% | 2,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9566% | 1,060 |
| Loan loss allowance to noncurrent loans | 865.4412% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.4594% | 4,097 |
| Noncurrent loans to loans | 0.2261% | 4,873 |
| Net loans and leases to total assets | 72.5382% | 1,890 |
| Net loans and leases to deposits | 87.9781% | 1,839 |
| Net loans and leases to core deposits | 99.5271% | 1,530 |
| Total domestic deposits to total assets | 82.4503% | 4,137 |
| Equity capital to assets | 14.5186% | 809 |
| Core capital (leverage) ratio | 14.1886% | 789 |
| Tier 1 risk-based capital ratio | 16.9310% | 2,433 |
| Total risk-based capital ratio | 18.1874% | 2,380 |
| Memoranda: |
| Average total assets | $329,034,000 | 2,019 |
| Average earning assets | $306,374,330 | 2,006 |
| Average equity | $46,614,670 | 1,605 |
| Average total loans | $247,083,330 | 1,760 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3361% | 1,981 |
| Cost of funding earning assets | 0.4580% | 2,697 |
| Net interest margin | 3.8781% | 1,971 |
| Noninterest income to average assets | 0.6394% | 2,455 |
| Noninterest expense to average assets | 2.0584% | 5,474 |
| Loan and lease loss provision to assets | 0.1813% | 1,055 |
| Net operating income to assets | 1.3719% | 1,090 |
| Return on assets (ROA) | 1.3719% | 1,150 |
| Pretax return on assets | 2.0125% | 572 |
| Return on Equity (ROE) | 9.8030% | 2,093 |
| Retained earnings to average equity (ytd only) | 6.7282% | 2,135 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4082% | 5,998 |
| Assets per employee ($millions) | 5.7102% | 1,619 |
| Cash dividends to net income (ytd only)* | 31.3656% | 2,307 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8890% | 1,308 |
| Loan loss allowance to noncurrent loans | 324.7757% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.7244% | 3,327 |
| Noncurrent loans to loans | 0.5816% | 3,835 |
| Net loans and leases to total assets | 73.7983% | 1,535 |
| Net loans and leases to deposits | 88.8226% | 1,529 |
| Net loans and leases to core deposits | 100.3894% | 1,293 |
| Total domestic deposits to total assets | 83.0850% | 4,157 |
| Equity capital to assets | 14.1148% | 947 |
| Core capital (leverage) ratio | 13.8960% | 855 |
| Tier 1 risk-based capital ratio | 16.1871% | 2,827 |
| Total risk-based capital ratio | 17.4428% | 2,769 |
| Memoranda: |
| Average total assets | $330,936,000 | 2,018 |
| Average earning assets | $308,297,000 | 1,998 |
| Average equity | $46,312,500 | 1,615 |
| Average total loans | $250,313,000 | 1,738 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3631% | 2,357 |
| Cost of funding earning assets | 0.4752% | 2,933 |
| Net interest margin | 3.8878% | 2,287 |
| Noninterest income to average assets | 0.4818% | 3,640 |
| Noninterest expense to average assets | 2.1329% | 5,503 |
| Loan and lease loss provision to assets | 0.1292% | 2,029 |
| Net operating income to assets | 1.2490% | 1,436 |
| Return on assets (ROA) | 1.2490% | 1,501 |
| Pretax return on assets | 1.8303% | 745 |
| Return on Equity (ROE) | 8.9822% | 2,595 |
| Retained earnings to average equity (ytd only) | 5.8083% | 2,058 |
| Net charge-offs to loans | 0.0021% | 4,930 |
| Credit loss provision to net charge-offs | 8,300.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 1,259.2000% | 33 |
| Efficiency ratio | 52.1180% | 5,973 |
| Assets per employee ($millions) | 5.7014% | 1,604 |
| Cash dividends to net income (ytd only)* | 35.3352% | 3,099 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8115% | 1,509 |
| Loan loss allowance to noncurrent loans | 4,952.1739% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.3151% | 4,783 |
| Noncurrent loans to loans | 0.0366% | 5,737 |
| Net loans and leases to total assets | 74.6794% | 1,466 |
| Net loans and leases to deposits | 90.5040% | 1,464 |
| Net loans and leases to core deposits | 102.2394% | 1,229 |
| Total domestic deposits to total assets | 82.5151% | 4,240 |
| Equity capital to assets | 13.8738% | 1,003 |
| Core capital (leverage) ratio | 13.8225% | 861 |
| Tier 1 risk-based capital ratio | 15.9436% | 2,988 |
| Total risk-based capital ratio | 17.1987% | 2,934 |
| Memoranda: |
| Average total assets | $321,306,200 | 2,018 |
| Average earning assets | $298,391,400 | 2,007 |
| Average equity | $44,677,200 | 1,616 |
| Average total loans | $237,117,600 | 1,781 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3478% | 2,431 |
| Cost of funding earning assets | 0.4766% | 2,986 |
| Net interest margin | 3.8712% | 2,348 |
| Noninterest income to average assets | 0.5008% | 3,540 |
| Noninterest expense to average assets | 2.0466% | 5,683 |
| Loan and lease loss provision to assets | 0.0961% | 2,440 |
| Net operating income to assets | 1.3339% | 1,278 |
| Return on assets (ROA) | 1.3339% | 1,336 |
| Pretax return on assets | 1.9567% | 631 |
| Return on Equity (ROE) | 9.5873% | 2,409 |
| Retained earnings to average equity (ytd only) | 6.4146% | 2,162 |
| Net charge-offs to loans | 0.0040% | 4,565 |
| Credit loss provision to net charge-offs | 3,285.7143% | 115 |
| Earnings coverage of net charge-offs (x) | 701.8049% | 108 |
| Efficiency ratio | 49.9235% | 6,105 |
| Assets per employee ($millions) | 5.6144% | 1,624 |
| Cash dividends to net income (ytd only)* | 33.0930% | 2,665 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8495% | 1,576 |
| Loan loss allowance to noncurrent loans | 3,900.8929% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.4106% | 4,691 |
| Noncurrent loans to loans | 0.0474% | 5,825 |
| Net loans and leases to total assets | 71.1992% | 1,991 |
| Net loans and leases to deposits | 85.4369% | 1,979 |
| Net loans and leases to core deposits | 95.5259% | 1,715 |
| Total domestic deposits to total assets | 83.3354% | 4,019 |
| Equity capital to assets | 13.9527% | 1,026 |
| Core capital (leverage) ratio | 14.0364% | 836 |
| Tier 1 risk-based capital ratio | 16.6438% | 2,752 |
| Total risk-based capital ratio | 17.8993% | 2,704 |
| Memoranda: |
| Average total assets | $318,962,750 | 2,051 |
| Average earning assets | $296,507,750 | 2,031 |
| Average equity | $44,377,000 | 1,628 |
| Average total loans | $233,520,500 | 1,805 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3565% | 2,358 |
| Cost of funding earning assets | 0.4809% | 3,015 |
| Net interest margin | 3.8756% | 2,277 |
| Noninterest income to average assets | 0.5620% | 3,036 |
| Noninterest expense to average assets | 2.0471% | 5,730 |
| Loan and lease loss provision to assets | 0.0663% | 2,941 |
| Net operating income to assets | 1.3955% | 1,074 |
| Return on assets (ROA) | 1.3955% | 1,119 |
| Pretax return on assets | 2.0465% | 497 |
| Return on Equity (ROE) | 10.0399% | 2,135 |
| Retained earnings to average equity (ytd only) | 6.8553% | 1,838 |
| Net charge-offs to loans | 0.0103% | 4,051 |
| Credit loss provision to net charge-offs | 875.0000% | 374 |
| Earnings coverage of net charge-offs (x) | 278.8333% | 244 |
| Efficiency ratio | 49.2107% | 6,213 |
| Assets per employee ($millions) | 5.5536% | 1,651 |
| Cash dividends to net income (ytd only)* | 31.7195% | 2,717 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7966% | 1,848 |
| Loan loss allowance to noncurrent loans | 6,623.4375% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.4432% | 4,672 |
| Noncurrent loans to loans | 0.0271% | 5,985 |
| Net loans and leases to total assets | 73.1988% | 1,548 |
| Net loans and leases to deposits | 88.5513% | 1,528 |
| Net loans and leases to core deposits | 99.7057% | 1,307 |
| Total domestic deposits to total assets | 82.6626% | 4,428 |
| Equity capital to assets | 14.2074% | 900 |
| Core capital (leverage) ratio | 13.9864% | 833 |
| Tier 1 risk-based capital ratio | 16.5984% | 2,782 |
| Total risk-based capital ratio | 17.8536% | 2,750 |
| Memoranda: |
| Average total assets | $316,738,000 | 2,063 |
| Average earning assets | $294,046,330 | 2,045 |
| Average equity | $44,024,330 | 1,629 |
| Average total loans | $232,620,670 | 1,805 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3200% | 2,445 |
| Cost of funding earning assets | 0.4764% | 3,163 |
| Net interest margin | 3.8436% | 2,294 |
| Noninterest income to average assets | 0.6174% | 2,630 |
| Noninterest expense to average assets | 2.0705% | 5,739 |
| Loan and lease loss provision to assets | 0.1326% | 1,830 |
| Net operating income to assets | 1.3572% | 1,079 |
| Return on assets (ROA) | 1.3572% | 1,126 |
| Pretax return on assets | 1.9796% | 557 |
| Return on Equity (ROE) | 9.8738% | 2,090 |
| Retained earnings to average equity (ytd only) | 6.6683% | 2,201 |
| Net charge-offs to loans | 0.0052% | 3,556 |
| Credit loss provision to net charge-offs | 3,500.0000% | 106 |
| Earnings coverage of net charge-offs (x) | 557.6667% | 65 |
| Efficiency ratio | 49.5020% | 6,286 |
| Assets per employee ($millions) | 5.6412% | 1,582 |
| Cash dividends to net income (ytd only)* | 32.4651% | 2,225 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8743% | 1,827 |
| Loan loss allowance to noncurrent loans | 2,590.2439% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.4758% | 4,709 |
| Noncurrent loans to loans | 0.0724% | 5,921 |
| Net loans and leases to total assets | 70.4000% | 1,815 |
| Net loans and leases to deposits | 84.2793% | 1,794 |
| Net loans and leases to core deposits | 94.5172% | 1,508 |
| Total domestic deposits to total assets | 83.5318% | 4,439 |
| Equity capital to assets | 13.9153% | 945 |
| Core capital (leverage) ratio | 13.7601% | 906 |
| Tier 1 risk-based capital ratio | 16.5751% | 2,858 |
| Total risk-based capital ratio | 17.8306% | 2,829 |
| Memoranda: |
| Average total assets | $316,830,500 | 2,069 |
| Average earning assets | $293,891,000 | 2,054 |
| Average equity | $43,549,500 | 1,634 |
| Average total loans | $230,955,000 | 1,818 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3517% | 2,767 |
| Cost of funding earning assets | 0.5407% | 3,191 |
| Net interest margin | 3.8110% | 2,612 |
| Noninterest income to average assets | 0.5304% | 3,546 |
| Noninterest expense to average assets | 2.1869% | 5,662 |
| Loan and lease loss provision to assets | 0.1009% | 3,115 |
| Net operating income to assets | 1.2316% | 1,444 |
| Return on assets (ROA) | 1.2269% | 1,527 |
| Pretax return on assets | 1.7707% | 808 |
| Return on Equity (ROE) | 8.8670% | 2,609 |
| Retained earnings to average equity (ytd only) | 5.6307% | 2,195 |
| Net charge-offs to loans | -0.2708% | 6,658 |
| Credit loss provision to net charge-offs | -53.3563% | 5,807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7944% | 6,156 |
| Assets per employee ($millions) | 5.5747% | 1,586 |
| Cash dividends to net income (ytd only)* | 36.4987% | 2,983 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7623% | 2,181 |
| Loan loss allowance to noncurrent loans | 764.9446% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.4994% | 4,737 |
| Noncurrent loans to loans | 0.2304% | 5,494 |
| Net loans and leases to total assets | 72.7347% | 1,553 |
| Net loans and leases to deposits | 88.1121% | 1,445 |
| Net loans and leases to core deposits | 97.8576% | 1,310 |
| Total domestic deposits to total assets | 82.5479% | 4,699 |
| Equity capital to assets | 13.5765% | 1,041 |
| Core capital (leverage) ratio | 13.5187% | 949 |
| Tier 1 risk-based capital ratio | 15.2270% | 3,529 |
| Total risk-based capital ratio | 16.4805% | 3,473 |
| Memoranda: |
| Average total assets | $307,287,600 | 2,100 |
| Average earning assets | $285,014,800 | 2,076 |
| Average equity | $42,517,200 | 1,654 |
| Average total loans | $214,562,000 | 1,896 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3048% | 2,972 |
| Cost of funding earning assets | 0.5504% | 3,255 |
| Net interest margin | 3.7544% | 2,828 |
| Noninterest income to average assets | 0.5479% | 3,477 |
| Noninterest expense to average assets | 2.1172% | 5,791 |
| Loan and lease loss provision to assets | 0.0678% | 3,699 |
| Net operating income to assets | 1.2856% | 1,385 |
| Return on assets (ROA) | 1.2792% | 1,468 |
| Pretax return on assets | 1.8402% | 825 |
| Return on Equity (ROE) | 9.2000% | 2,539 |
| Retained earnings to average equity (ytd only) | 5.9675% | 2,433 |
| Net charge-offs to loans | -0.3776% | 6,754 |
| Credit loss provision to net charge-offs | -26.1383% | 5,658 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4786% | 6,223 |
| Assets per employee ($millions) | 5.3945% | 1,741 |
| Cash dividends to net income (ytd only)* | 35.1351% | 2,465 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7885% | 2,342 |
| Loan loss allowance to noncurrent loans | 608.3587% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.5912% | 4,670 |
| Noncurrent loans to loans | 0.2940% | 5,494 |
| Net loans and leases to total assets | 71.4884% | 1,684 |
| Net loans and leases to deposits | 86.5649% | 1,547 |
| Net loans and leases to core deposits | 96.6020% | 1,347 |
| Total domestic deposits to total assets | 82.5835% | 4,726 |
| Equity capital to assets | 13.9340% | 981 |
| Core capital (leverage) ratio | 13.6722% | 960 |
| Tier 1 risk-based capital ratio | 15.4514% | 3,495 |
| Total risk-based capital ratio | 16.7049% | 3,448 |
| Memoranda: |
| Average total assets | $304,670,500 | 2,124 |
| Average earning assets | $282,932,250 | 2,102 |
| Average equity | $42,361,500 | 1,663 |
| Average total loans | $209,386,250 | 1,941 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2250% | 3,261 |
| Cost of funding earning assets | 0.5585% | 3,332 |
| Net interest margin | 3.6665% | 3,094 |
| Noninterest income to average assets | 0.6209% | 3,072 |
| Noninterest expense to average assets | 2.0255% | 5,999 |
| Loan and lease loss provision to assets | 0.0428% | 4,103 |
| Net operating income to assets | 1.3561% | 1,176 |
| Return on assets (ROA) | 1.3466% | 1,298 |
| Pretax return on assets | 1.9412% | 681 |
| Return on Equity (ROE) | 9.6919% | 2,319 |
| Retained earnings to average equity (ytd only) | 6.4644% | 2,168 |
| Net charge-offs to loans | -0.1535% | 6,599 |
| Credit loss provision to net charge-offs | -41.4013% | 5,527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3437% | 6,403 |
| Assets per employee ($millions) | 5.5245% | 1,562 |
| Cash dividends to net income (ytd only)* | 33.3007% | 2,535 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6075% | 3,131 |
| Loan loss allowance to noncurrent loans | 356.9815% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.7171% | 4,426 |
| Noncurrent loans to loans | 0.4503% | 5,139 |
| Net loans and leases to total assets | 70.0424% | 1,869 |
| Net loans and leases to deposits | 87.0990% | 1,452 |
| Net loans and leases to core deposits | 96.7566% | 1,292 |
| Total domestic deposits to total assets | 80.4169% | 5,502 |
| Equity capital to assets | 13.9204% | 990 |
| Core capital (leverage) ratio | 13.6447% | 926 |
| Tier 1 risk-based capital ratio | 15.6586% | 3,393 |
| Total risk-based capital ratio | 16.9100% | 3,337 |
| Memoranda: |
| Average total assets | $303,732,330 | 2,138 |
| Average earning assets | $281,847,670 | 2,117 |
| Average equity | $42,200,330 | 1,675 |
| Average total loans | $204,575,330 | 1,978 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1036% | 3,715 |
| Cost of funding earning assets | 0.5675% | 3,402 |
| Net interest margin | 3.5361% | 3,541 |
| Noninterest income to average assets | 0.5203% | 3,629 |
| Noninterest expense to average assets | 1.9837% | 6,133 |
| Loan and lease loss provision to assets | 0.0329% | 4,030 |
| Net operating income to assets | 1.2355% | 1,420 |
| Return on assets (ROA) | 1.2355% | 1,532 |
| Pretax return on assets | 1.7703% | 935 |
| Return on Equity (ROE) | 8.9011% | 2,527 |
| Retained earnings to average equity (ytd only) | 5.6842% | 2,850 |
| Net charge-offs to loans | -0.2375% | 6,719 |
| Credit loss provision to net charge-offs | -21.1864% | 4,989 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3826% | 6,353 |
| Assets per employee ($millions) | 5.6213% | 1,566 |
| Cash dividends to net income (ytd only)* | 36.1407% | 1,945 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6930% | 3,038 |
| Loan loss allowance to noncurrent loans | 348.1557% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.7185% | 4,576 |
| Noncurrent loans to loans | 0.4863% | 5,213 |
| Net loans and leases to total assets | 65.0014% | 2,540 |
| Net loans and leases to deposits | 79.2226% | 2,183 |
| Net loans and leases to core deposits | 87.8210% | 1,927 |
| Total domestic deposits to total assets | 82.0490% | 5,176 |
| Equity capital to assets | 13.9519% | 1,043 |
| Core capital (leverage) ratio | 13.6497% | 890 |
| Tier 1 risk-based capital ratio | 16.0992% | 3,209 |
| Total risk-based capital ratio | 17.3512% | 3,165 |
| Memoranda: |
| Average total assets | $303,674,000 | 2,162 |
| Average earning assets | $280,535,000 | 2,146 |
| Average equity | $42,152,000 | 1,694 |
| Average total loans | $198,713,000 | 2,040 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4171% | 3,747 |
| Cost of funding earning assets | 0.8100% | 2,589 |
| Net interest margin | 3.6071% | 4,052 |
| Noninterest income to average assets | 0.5068% | 3,850 |
| Noninterest expense to average assets | 1.9765% | 6,375 |
| Loan and lease loss provision to assets | 0.2492% | 2,656 |
| Net operating income to assets | 1.1194% | 1,874 |
| Return on assets (ROA) | 1.1194% | 2,039 |
| Pretax return on assets | 1.5926% | 1,407 |
| Return on Equity (ROE) | 8.0879% | 3,049 |
| Retained earnings to average equity (ytd only) | 4.6279% | 2,966 |
| Net charge-offs to loans | 0.1121% | 4,551 |
| Credit loss provision to net charge-offs | 354.0670% | 690 |
| Earnings coverage of net charge-offs (x) | 26.1675% | 1,110 |
| Efficiency ratio | 51.7640% | 6,476 |
| Assets per employee ($millions) | 5.9568% | 1,310 |
| Cash dividends to net income (ytd only)* | 42.7798% | 2,703 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6547% | 3,102 |
| Loan loss allowance to noncurrent loans | 199.8158% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.9329% | 4,171 |
| Noncurrent loans to loans | 0.8281% | 4,535 |
| Net loans and leases to total assets | 63.6809% | 2,951 |
| Net loans and leases to deposits | 76.6882% | 2,692 |
| Net loans and leases to core deposits | 83.7092% | 2,580 |
| Total domestic deposits to total assets | 83.0388% | 4,710 |
| Equity capital to assets | 13.8095% | 1,115 |
| Core capital (leverage) ratio | 13.4205% | 974 |
| Tier 1 risk-based capital ratio | 16.2883% | 3,002 |
| Total risk-based capital ratio | 17.5401% | 2,960 |
| Memoranda: |
| Average total assets | $296,936,200 | 2,159 |
| Average earning assets | $272,599,200 | 2,143 |
| Average equity | $41,098,600 | 1,700 |
| Average total loans | $186,430,800 | 2,127 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4191% | 3,970 |
| Cost of funding earning assets | 0.8520% | 2,519 |
| Net interest margin | 3.5671% | 4,369 |
| Noninterest income to average assets | 0.4747% | 4,108 |
| Noninterest expense to average assets | 1.9235% | 6,482 |
| Loan and lease loss provision to assets | 0.1987% | 3,095 |
| Net operating income to assets | 1.1480% | 1,916 |
| Return on assets (ROA) | 1.1480% | 2,114 |
| Pretax return on assets | 1.6367% | 1,461 |
| Return on Equity (ROE) | 8.2897% | 3,140 |
| Retained earnings to average equity (ytd only) | 5.0090% | 3,356 |
| Net charge-offs to loans | 0.1530% | 3,892 |
| Credit loss provision to net charge-offs | 208.5308% | 1,320 |
| Earnings coverage of net charge-offs (x) | 19.2604% | 1,505 |
| Efficiency ratio | 51.1715% | 6,511 |
| Assets per employee ($millions) | 5.7973% | 1,376 |
| Cash dividends to net income (ytd only)* | 39.5751% | 2,193 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5831% | 3,589 |
| Loan loss allowance to noncurrent loans | 166.4600% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 1.0414% | 4,219 |
| Noncurrent loans to loans | 0.9510% | 4,535 |
| Net loans and leases to total assets | 62.0925% | 3,360 |
| Net loans and leases to deposits | 75.4044% | 3,079 |
| Net loans and leases to core deposits | 81.8344% | 2,986 |
| Total domestic deposits to total assets | 82.3461% | 4,900 |
| Equity capital to assets | 14.1334% | 1,103 |
| Core capital (leverage) ratio | 13.5883% | 985 |
| Tier 1 risk-based capital ratio | 16.7347% | 2,882 |
| Total risk-based capital ratio | 17.9883% | 2,841 |
| Memoranda: |
| Average total assets | $295,220,500 | 2,189 |
| Average earning assets | $271,812,250 | 2,175 |
| Average equity | $40,885,000 | 1,721 |
| Average total loans | $183,859,250 | 2,180 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3847% | 4,242 |
| Cost of funding earning assets | 0.9018% | 2,383 |
| Net interest margin | 3.4828% | 4,750 |
| Noninterest income to average assets | 0.4799% | 4,058 |
| Noninterest expense to average assets | 1.8924% | 6,611 |
| Loan and lease loss provision to assets | 0.1627% | 3,479 |
| Net operating income to assets | 1.1421% | 1,904 |
| Return on assets (ROA) | 1.1421% | 2,123 |
| Pretax return on assets | 1.6287% | 1,463 |
| Return on Equity (ROE) | 8.3037% | 3,110 |
| Retained earnings to average equity (ytd only) | 4.9970% | 3,281 |
| Net charge-offs to loans | 0.1793% | 3,523 |
| Credit loss provision to net charge-offs | 146.3415% | 1,893 |
| Earnings coverage of net charge-offs (x) | 16.1159% | 1,610 |
| Efficiency ratio | 51.3707% | 6,550 |
| Assets per employee ($millions) | 5.8994% | 1,294 |
| Cash dividends to net income (ytd only)* | 39.8220% | 2,179 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4948% | 4,029 |
| Loan loss allowance to noncurrent loans | 123.2394% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 1.2133% | 3,988 |
| Noncurrent loans to loans | 1.2130% | 4,132 |
| Net loans and leases to total assets | 62.5517% | 3,328 |
| Net loans and leases to deposits | 78.0935% | 2,655 |
| Net loans and leases to core deposits | 84.8158% | 2,589 |
| Total domestic deposits to total assets | 80.0985% | 5,716 |
| Equity capital to assets | 13.9471% | 1,117 |
| Core capital (leverage) ratio | 13.4284% | 999 |
| Tier 1 risk-based capital ratio | 16.5279% | 2,902 |
| Total risk-based capital ratio | 17.7780% | 2,863 |
| Memoranda: |
| Average total assets | $295,073,330 | 2,191 |
| Average earning assets | $271,445,670 | 2,177 |
| Average equity | $40,584,330 | 1,719 |
| Average total loans | $182,966,670 | 2,184 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3623% | 4,467 |
| Cost of funding earning assets | 0.9410% | 2,368 |
| Net interest margin | 3.4213% | 5,021 |
| Noninterest income to average assets | 0.4879% | 3,995 |
| Noninterest expense to average assets | 1.9084% | 6,632 |
| Loan and lease loss provision to assets | 0.0881% | 4,263 |
| Net operating income to assets | 1.1439% | 1,903 |
| Return on assets (ROA) | 1.1439% | 2,086 |
| Pretax return on assets | 1.6305% | 1,480 |
| Return on Equity (ROE) | 8.3758% | 3,110 |
| Retained earnings to average equity (ytd only) | 5.0513% | 3,524 |
| Net charge-offs to loans | -0.0265% | 6,293 |
| Credit loss provision to net charge-offs | -541.6667% | 5,793 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6158% | 6,482 |
| Assets per employee ($millions) | 5.9697% | 1,299 |
| Cash dividends to net income (ytd only)* | 39.6919% | 1,772 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5961% | 3,732 |
| Loan loss allowance to noncurrent loans | 114.7951% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 1.2834% | 3,998 |
| Noncurrent loans to loans | 1.3904% | 4,024 |
| Net loans and leases to total assets | 59.0358% | 3,847 |
| Net loans and leases to deposits | 71.6658% | 3,482 |
| Net loans and leases to core deposits | 78.5074% | 3,259 |
| Total domestic deposits to total assets | 82.3766% | 5,168 |
| Equity capital to assets | 13.8581% | 1,072 |
| Core capital (leverage) ratio | 13.1921% | 1,059 |
| Tier 1 risk-based capital ratio | 17.0262% | 2,671 |
| Total risk-based capital ratio | 18.2770% | 2,632 |
| Memoranda: |
| Average total assets | $295,124,000 | 2,201 |
| Average earning assets | $270,772,000 | 2,195 |
| Average equity | $40,306,500 | 1,722 |
| Average total loans | $180,795,000 | 2,228 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6753% | 4,350 |
| Cost of funding earning assets | 1.1517% | 2,342 |
| Net interest margin | 3.5236% | 5,052 |
| Noninterest income to average assets | 0.4499% | 4,212 |
| Noninterest expense to average assets | 1.9784% | 6,713 |
| Loan and lease loss provision to assets | 0.1251% | 5,044 |
| Net operating income to assets | 1.1173% | 1,767 |
| Return on assets (ROA) | 1.1173% | 1,889 |
| Pretax return on assets | 1.5965% | 1,211 |
| Return on Equity (ROE) | 8.0784% | 2,864 |
| Retained earnings to average equity (ytd only) | 4.6605% | 2,878 |
| Net charge-offs to loans | 0.2483% | 4,224 |
| Credit loss provision to net charge-offs | 79.5455% | 4,475 |
| Earnings coverage of net charge-offs (x) | 10.9500% | 1,776 |
| Efficiency ratio | 53.4718% | 6,565 |
| Assets per employee ($millions) | 5.9547% | 1,267 |
| Cash dividends to net income (ytd only)* | 42.3089% | 2,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4637% | 4,177 |
| Loan loss allowance to noncurrent loans | 57.3957% | 4,648 |
| Noncurrent assets plus other real estate owned to assets | 2.0324% | 2,918 |
| Noncurrent loans to loans | 2.5502% | 2,575 |
| Net loans and leases to total assets | 61.5909% | 3,682 |
| Net loans and leases to deposits | 74.6473% | 3,391 |
| Net loans and leases to core deposits | 83.8824% | 2,908 |
| Total domestic deposits to total assets | 82.5092% | 4,962 |
| Equity capital to assets | 13.4603% | 1,291 |
| Core capital (leverage) ratio | 13.1842% | 1,077 |
| Tier 1 risk-based capital ratio | 16.3925% | 2,866 |
| Total risk-based capital ratio | 17.6334% | 2,844 |
| Memoranda: |
| Average total assets | $279,867,200 | 2,269 |
| Average earning assets | $258,144,200 | 2,250 |
| Average equity | $38,708,000 | 1,744 |
| Average total loans | $177,209,400 | 2,291 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6960% | 4,482 |
| Cost of funding earning assets | 1.1847% | 2,417 |
| Net interest margin | 3.5113% | 5,141 |
| Noninterest income to average assets | 0.4677% | 4,147 |
| Noninterest expense to average assets | 1.9733% | 6,743 |
| Loan and lease loss provision to assets | 0.1452% | 4,629 |
| Net operating income to assets | 1.1242% | 1,893 |
| Return on assets (ROA) | 1.1242% | 2,022 |
| Pretax return on assets | 1.6034% | 1,378 |
| Return on Equity (ROE) | 8.0694% | 3,011 |
| Retained earnings to average equity (ytd only) | 4.6081% | 3,440 |
| Net charge-offs to loans | 0.0610% | 5,359 |
| Credit loss provision to net charge-offs | 375.0000% | 756 |
| Earnings coverage of net charge-offs (x) | 45.1517% | 700 |
| Efficiency ratio | 53.0177% | 6,593 |
| Assets per employee ($millions) | 5.7586% | 1,390 |
| Cash dividends to net income (ytd only)* | 42.8942% | 1,906 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6410% | 3,481 |
| Loan loss allowance to noncurrent loans | 110.8108% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 1.4328% | 3,969 |
| Noncurrent loans to loans | 1.4809% | 4,077 |
| Net loans and leases to total assets | 64.4475% | 3,219 |
| Net loans and leases to deposits | 79.4595% | 2,729 |
| Net loans and leases to core deposits | 88.7667% | 2,397 |
| Total domestic deposits to total assets | 81.1074% | 5,398 |
| Equity capital to assets | 14.0292% | 1,145 |
| Core capital (leverage) ratio | 13.6257% | 1,006 |
| Tier 1 risk-based capital ratio | 16.4235% | 2,898 |
| Total risk-based capital ratio | 17.6752% | 2,869 |
| Memoranda: |
| Average total assets | $275,400,500 | 2,316 |
| Average earning assets | $255,244,250 | 2,281 |
| Average equity | $38,366,000 | 1,756 |
| Average total loans | $174,986,500 | 2,323 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6806% | 4,619 |
| Cost of funding earning assets | 1.2001% | 2,584 |
| Net interest margin | 3.4805% | 5,243 |
| Noninterest income to average assets | 0.4877% | 3,959 |
| Noninterest expense to average assets | 1.9374% | 6,897 |
| Loan and lease loss provision to assets | 0.2197% | 3,722 |
| Net operating income to assets | 1.0954% | 1,882 |
| Return on assets (ROA) | 1.0954% | 1,971 |
| Pretax return on assets | 1.5625% | 1,351 |
| Return on Equity (ROE) | 7.8821% | 2,992 |
| Retained earnings to average equity (ytd only) | 4.3836% | 3,403 |
| Net charge-offs to loans | -0.0221% | 6,846 |
| Credit loss provision to net charge-offs | -1,578.9474% | 6,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0866% | 6,780 |
| Assets per employee ($millions) | 5.4927% | 1,574 |
| Cash dividends to net income (ytd only)* | 44.3850% | 1,896 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7595% | 3,125 |
| Loan loss allowance to noncurrent loans | 71.5134% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 1.6899% | 3,655 |
| Noncurrent loans to loans | 2.4603% | 2,928 |
| Net loans and leases to total assets | 63.6966% | 3,533 |
| Net loans and leases to deposits | 78.3051% | 3,077 |
| Net loans and leases to core deposits | 87.8605% | 2,661 |
| Total domestic deposits to total assets | 81.3442% | 5,409 |
| Equity capital to assets | 14.0930% | 1,072 |
| Core capital (leverage) ratio | 13.5512% | 980 |
| Tier 1 risk-based capital ratio | 16.9650% | 2,539 |
| Total risk-based capital ratio | 18.2180% | 2,506 |
| Memoranda: |
| Average total assets | $273,144,330 | 2,343 |
| Average earning assets | $253,641,000 | 2,298 |
| Average equity | $37,959,330 | 1,765 |
| Average total loans | $171,687,000 | 2,386 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5796% | 5,030 |
| Cost of funding earning assets | 1.2086% | 2,766 |
| Net interest margin | 3.3711% | 5,535 |
| Noninterest income to average assets | 0.5286% | 3,663 |
| Noninterest expense to average assets | 1.9310% | 6,937 |
| Loan and lease loss provision to assets | 0.1836% | 3,777 |
| Net operating income to assets | 1.0822% | 1,898 |
| Return on assets (ROA) | 1.0822% | 1,950 |
| Pretax return on assets | 1.5433% | 1,316 |
| Return on Equity (ROE) | 7.8431% | 2,985 |
| Retained earnings to average equity (ytd only) | 4.3100% | 3,586 |
| Net charge-offs to loans | -0.0404% | 6,821 |
| Credit loss provision to net charge-offs | -735.2941% | 6,042 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7900% | 6,799 |
| Assets per employee ($millions) | 5.5185% | 1,559 |
| Cash dividends to net income (ytd only)* | 45.0475% | 1,621 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7102% | 3,304 |
| Loan loss allowance to noncurrent loans | 80.9863% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 1.4171% | 4,154 |
| Noncurrent loans to loans | 2.1117% | 3,431 |
| Net loans and leases to total assets | 61.5725% | 3,953 |
| Net loans and leases to deposits | 76.5695% | 3,323 |
| Net loans and leases to core deposits | 85.5756% | 2,944 |
| Total domestic deposits to total assets | 80.4139% | 5,836 |
| Equity capital to assets | 13.6722% | 1,117 |
| Core capital (leverage) ratio | 13.4287% | 990 |
| Tier 1 risk-based capital ratio | 16.9429% | 2,502 |
| Total risk-based capital ratio | 18.1954% | 2,474 |
| Memoranda: |
| Average total assets | $272,400,000 | 2,366 |
| Average earning assets | $252,858,500 | 2,326 |
| Average equity | $37,587,000 | 1,767 |
| Average total loans | $168,498,000 | 2,454 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0036% | 4,540 |
| Cost of funding earning assets | 1.4570% | 2,915 |
| Net interest margin | 3.5466% | 5,052 |
| Noninterest income to average assets | 0.4749% | 4,350 |
| Noninterest expense to average assets | 2.1098% | 6,823 |
| Loan and lease loss provision to assets | 0.1062% | 6,085 |
| Net operating income to assets | 1.0831% | 1,751 |
| Return on assets (ROA) | 1.0831% | 1,842 |
| Pretax return on assets | 1.5391% | 1,277 |
| Return on Equity (ROE) | 7.5508% | 2,872 |
| Retained earnings to average equity (ytd only) | 3.1710% | 3,647 |
| Net charge-offs to loans | 0.2491% | 4,797 |
| Credit loss provision to net charge-offs | 65.9472% | 5,958 |
| Earnings coverage of net charge-offs (x) | 10.2182% | 1,740 |
| Efficiency ratio | 55.8149% | 6,619 |
| Assets per employee ($millions) | 5.2721% | 1,780 |
| Cash dividends to net income (ytd only)* | 58.0036% | 1,708 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7143% | 3,162 |
| Loan loss allowance to noncurrent loans | 86.1604% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 1.3114% | 4,404 |
| Noncurrent loans to loans | 1.9897% | 3,578 |
| Net loans and leases to total assets | 60.0026% | 4,680 |
| Net loans and leases to deposits | 74.2169% | 4,160 |
| Net loans and leases to core deposits | 80.3338% | 4,166 |
| Total domestic deposits to total assets | 80.8476% | 5,572 |
| Equity capital to assets | 13.9280% | 1,057 |
| Core capital (leverage) ratio | 13.6974% | 931 |
| Tier 1 risk-based capital ratio | 17.9918% | 2,002 |
| Total risk-based capital ratio | 19.2446% | 1,963 |
| Memoranda: |
| Average total assets | $258,981,400 | 2,463 |
| Average earning assets | $239,525,800 | 2,427 |
| Average equity | $37,148,600 | 1,782 |
| Average total loans | $167,373,600 | 2,510 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0655% | 4,505 |
| Cost of funding earning assets | 1.4953% | 3,008 |
| Net interest margin | 3.5702% | 5,017 |
| Noninterest income to average assets | 0.4772% | 4,350 |
| Noninterest expense to average assets | 2.1083% | 6,826 |
| Loan and lease loss provision to assets | 0.1429% | 5,604 |
| Net operating income to assets | 1.0760% | 1,984 |
| Return on assets (ROA) | 1.0760% | 2,091 |
| Pretax return on assets | 1.5271% | 1,537 |
| Return on Equity (ROE) | 7.4445% | 3,129 |
| Retained earnings to average equity (ytd only) | 3.0749% | 4,284 |
| Net charge-offs to loans | 0.3346% | 3,983 |
| Credit loss provision to net charge-offs | 65.1659% | 5,558 |
| Earnings coverage of net charge-offs (x) | 7.6138% | 2,294 |
| Efficiency ratio | 55.3033% | 6,648 |
| Assets per employee ($millions) | 5.2599% | 1,862 |
| Cash dividends to net income (ytd only)* | 58.6957% | 1,301 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6695% | 3,257 |
| Loan loss allowance to noncurrent loans | 74.4303% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 1.5339% | 4,149 |
| Noncurrent loans to loans | 2.2431% | 3,399 |
| Net loans and leases to total assets | 62.9069% | 4,346 |
| Net loans and leases to deposits | 77.6730% | 3,886 |
| Net loans and leases to core deposits | 85.0322% | 3,792 |
| Total domestic deposits to total assets | 80.9894% | 5,366 |
| Equity capital to assets | 14.3664% | 1,059 |
| Core capital (leverage) ratio | 14.0746% | 904 |
| Tier 1 risk-based capital ratio | 17.9678% | 2,028 |
| Total risk-based capital ratio | 19.2207% | 1,995 |
| Memoranda: |
| Average total assets | $256,508,000 | 2,523 |
| Average earning assets | $237,180,250 | 2,493 |
| Average equity | $37,073,500 | 1,799 |
| Average total loans | $168,180,500 | 2,544 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1016% | 4,444 |
| Cost of funding earning assets | 1.5267% | 3,095 |
| Net interest margin | 3.5750% | 4,923 |
| Noninterest income to average assets | 0.4899% | 4,196 |
| Noninterest expense to average assets | 2.1113% | 6,866 |
| Loan and lease loss provision to assets | 0.1651% | 5,239 |
| Net operating income to assets | 1.0702% | 1,943 |
| Return on assets (ROA) | 1.0702% | 2,020 |
| Pretax return on assets | 1.5168% | 1,511 |
| Return on Equity (ROE) | 7.3893% | 3,153 |
| Retained earnings to average equity (ytd only) | 2.9536% | 4,245 |
| Net charge-offs to loans | 0.2843% | 3,915 |
| Credit loss provision to net charge-offs | 87.8661% | 4,484 |
| Earnings coverage of net charge-offs (x) | 8.9498% | 2,072 |
| Efficiency ratio | 55.1617% | 6,740 |
| Assets per employee ($millions) | 5.1423% | 1,997 |
| Cash dividends to net income (ytd only)* | 60.0294% | 1,313 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7691% | 2,820 |
| Loan loss allowance to noncurrent loans | 61.4658% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 1.9532% | 3,548 |
| Noncurrent loans to loans | 2.8782% | 2,777 |
| Net loans and leases to total assets | 63.2097% | 4,416 |
| Net loans and leases to deposits | 78.7614% | 3,838 |
| Net loans and leases to core deposits | 85.8618% | 3,855 |
| Total domestic deposits to total assets | 80.2547% | 5,652 |
| Equity capital to assets | 14.5309% | 1,004 |
| Core capital (leverage) ratio | 13.9718% | 932 |
| Tier 1 risk-based capital ratio | 17.9977% | 1,962 |
| Total risk-based capital ratio | 19.2515% | 1,927 |
| Memoranda: |
| Average total assets | $254,345,670 | 2,561 |
| Average earning assets | $235,023,330 | 2,541 |
| Average equity | $36,837,000 | 1,806 |
| Average total loans | $168,157,000 | 2,578 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1236% | 4,421 |
| Cost of funding earning assets | 1.5513% | 3,259 |
| Net interest margin | 3.5723% | 4,846 |
| Noninterest income to average assets | 0.4854% | 4,156 |
| Noninterest expense to average assets | 2.1221% | 6,882 |
| Loan and lease loss provision to assets | 0.3321% | 3,405 |
| Net operating income to assets | 0.9456% | 2,376 |
| Return on assets (ROA) | 0.9456% | 2,441 |
| Pretax return on assets | 1.3267% | 1,977 |
| Return on Equity (ROE) | 6.5400% | 3,599 |
| Retained earnings to average equity (ytd only) | 2.6904% | 4,532 |
| Net charge-offs to loans | 0.1534% | 4,011 |
| Credit loss provision to net charge-offs | 323.0769% | 1,225 |
| Earnings coverage of net charge-offs (x) | 16.1385% | 1,344 |
| Efficiency ratio | 55.6253% | 6,821 |
| Assets per employee ($millions) | 5.2306% | 1,937 |
| Cash dividends to net income (ytd only)* | 58.8629% | 1,272 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8593% | 2,551 |
| Loan loss allowance to noncurrent loans | 51.3071% | 4,898 |
| Noncurrent assets plus other real estate owned to assets | 2.4596% | 2,951 |
| Noncurrent loans to loans | 3.6238% | 2,193 |
| Net loans and leases to total assets | 63.8651% | 4,358 |
| Net loans and leases to deposits | 79.3794% | 3,767 |
| Net loans and leases to core deposits | 86.5349% | 3,819 |
| Total domestic deposits to total assets | 80.4556% | 5,637 |
| Equity capital to assets | 14.3271% | 1,056 |
| Core capital (leverage) ratio | 14.1425% | 924 |
| Tier 1 risk-based capital ratio | 17.6705% | 2,030 |
| Total risk-based capital ratio | 18.9253% | 2,006 |
| Memoranda: |
| Average total assets | $252,961,500 | 2,623 |
| Average earning assets | $233,350,000 | 2,609 |
| Average equity | $36,575,000 | 1,838 |
| Average total loans | $169,511,500 | 2,621 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5885% | 3,662 |
| Cost of funding earning assets | 1.8998% | 3,464 |
| Net interest margin | 3.6888% | 4,187 |
| Noninterest income to average assets | 0.4536% | 4,775 |
| Noninterest expense to average assets | 2.1237% | 7,137 |
| Loan and lease loss provision to assets | 0.9990% | 2,279 |
| Net operating income to assets | 0.5754% | 3,424 |
| Return on assets (ROA) | 0.5761% | 3,497 |
| Pretax return on assets | 0.7406% | 3,441 |
| Return on Equity (ROE) | 3.8574% | 4,145 |
| Retained earnings to average equity (ytd only) | 0.9184% | 4,381 |
| Net charge-offs to loans | 1.6547% | 1,529 |
| Credit loss provision to net charge-offs | 84.6634% | 6,169 |
| Earnings coverage of net charge-offs (x) | 1.4736% | 4,653 |
| Efficiency ratio | 54.4732% | 7,177 |
| Assets per employee ($millions) | 5.0944% | 2,093 |
| Cash dividends to net income (ytd only)* | 76.1905% | 1,313 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7162% | 2,847 |
| Loan loss allowance to noncurrent loans | 52.7951% | 4,834 |
| Noncurrent assets plus other real estate owned to assets | 2.2662% | 3,047 |
| Noncurrent loans to loans | 3.2508% | 2,348 |
| Net loans and leases to total assets | 67.8141% | 3,742 |
| Net loans and leases to deposits | 84.0960% | 3,243 |
| Net loans and leases to core deposits | 101.9790% | 3,803 |
| Total domestic deposits to total assets | 80.6390% | 5,454 |
| Equity capital to assets | 14.5939% | 1,000 |
| Core capital (leverage) ratio | 14.1266% | 960 |
| Tier 1 risk-based capital ratio | 17.2238% | 2,093 |
| Total risk-based capital ratio | 18.4771% | 2,050 |
| Memoranda: |
| Average total assets | $244,245,200 | 2,669 |
| Average earning assets | $225,713,200 | 2,642 |
| Average equity | $36,475,600 | 1,845 |
| Average total loans | $174,173,600 | 2,583 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5789% | 3,983 |
| Cost of funding earning assets | 1.9300% | 3,719 |
| Net interest margin | 3.6489% | 4,281 |
| Noninterest income to average assets | 0.4386% | 4,971 |
| Noninterest expense to average assets | 2.1237% | 7,144 |
| Loan and lease loss provision to assets | 0.5160% | 3,325 |
| Net operating income to assets | 0.8599% | 2,576 |
| Return on assets (ROA) | 0.8607% | 2,636 |
| Pretax return on assets | 1.1791% | 2,329 |
| Return on Equity (ROE) | 5.7297% | 3,639 |
| Retained earnings to average equity (ytd only) | 2.2948% | 4,042 |
| Net charge-offs to loans | 0.4237% | 3,564 |
| Credit loss provision to net charge-offs | 169.3694% | 2,755 |
| Earnings coverage of net charge-offs (x) | 5.5604% | 2,788 |
| Efficiency ratio | 55.1114% | 7,105 |
| Assets per employee ($millions) | 5.1273% | 1,992 |
| Cash dividends to net income (ytd only)* | 59.9490% | 1,601 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1092% | 1,586 |
| Loan loss allowance to noncurrent loans | 49.0087% | 5,041 |
| Noncurrent assets plus other real estate owned to assets | 3.0947% | 2,219 |
| Noncurrent loans to loans | 4.3038% | 1,665 |
| Net loans and leases to total assets | 69.8631% | 3,553 |
| Net loans and leases to deposits | 86.5883% | 3,209 |
| Net loans and leases to core deposits | 103.9169% | 3,946 |
| Total domestic deposits to total assets | 80.6842% | 5,191 |
| Equity capital to assets | 14.7425% | 1,080 |
| Core capital (leverage) ratio | 14.3099% | 1,006 |
| Tier 1 risk-based capital ratio | 16.9169% | 2,303 |
| Total risk-based capital ratio | 18.1146% | 2,266 |
| Memoranda: |
| Average total assets | $242,900,250 | 2,703 |
| Average earning assets | $224,939,000 | 2,672 |
| Average equity | $36,487,000 | 1,864 |
| Average total loans | $174,657,750 | 2,612 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6351% | 3,886 |
| Cost of funding earning assets | 1.9494% | 4,003 |
| Net interest margin | 3.6857% | 4,014 |
| Noninterest income to average assets | 0.4389% | 4,942 |
| Noninterest expense to average assets | 2.1489% | 7,177 |
| Loan and lease loss provision to assets | 0.5122% | 2,974 |
| Net operating income to assets | 0.8721% | 2,566 |
| Return on assets (ROA) | 0.8721% | 2,672 |
| Pretax return on assets | 1.1902% | 2,330 |
| Return on Equity (ROE) | 5.7681% | 3,763 |
| Retained earnings to average equity (ytd only) | 2.4185% | 3,987 |
| Net charge-offs to loans | 0.6401% | 2,437 |
| Credit loss provision to net charge-offs | 111.0108% | 4,166 |
| Earnings coverage of net charge-offs (x) | 3.6895% | 3,337 |
| Efficiency ratio | 55.2768% | 7,197 |
| Assets per employee ($millions) | 5.1031% | 1,963 |
| Cash dividends to net income (ytd only)* | 58.0707% | 1,745 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9264% | 1,727 |
| Loan loss allowance to noncurrent loans | 47.3901% | 5,198 |
| Noncurrent assets plus other real estate owned to assets | 3.0002% | 2,118 |
| Noncurrent loans to loans | 4.0649% | 1,652 |
| Net loans and leases to total assets | 71.8930% | 3,249 |
| Net loans and leases to deposits | 88.9166% | 3,012 |
| Net loans and leases to core deposits | 106.7964% | 3,747 |
| Total domestic deposits to total assets | 80.8545% | 5,126 |
| Equity capital to assets | 14.9043% | 1,053 |
| Core capital (leverage) ratio | 14.4910% | 1,026 |
| Tier 1 risk-based capital ratio | 17.0862% | 2,274 |
| Total risk-based capital ratio | 18.3423% | 2,222 |
| Memoranda: |
| Average total assets | $240,120,330 | 2,748 |
| Average earning assets | $222,320,670 | 2,720 |
| Average equity | $36,303,000 | 1,879 |
| Average total loans | $173,108,330 | 2,654 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5616% | 4,571 |
| Cost of funding earning assets | 1.9747% | 4,265 |
| Net interest margin | 3.5869% | 4,374 |
| Noninterest income to average assets | 0.4560% | 4,715 |
| Noninterest expense to average assets | 2.1421% | 7,028 |
| Loan and lease loss provision to assets | 0.4207% | 2,820 |
| Net operating income to assets | 0.8851% | 2,761 |
| Return on assets (ROA) | 0.8851% | 2,911 |
| Pretax return on assets | 1.2065% | 2,612 |
| Return on Equity (ROE) | 5.8121% | 4,118 |
| Retained earnings to average equity (ytd only) | 2.4751% | 4,495 |
| Net charge-offs to loans | -0.0636% | 7,770 |
| Credit loss provision to net charge-offs | -925.9259% | 6,515 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2946% | 6,928 |
| Assets per employee ($millions) | 4.8427% | 2,254 |
| Cash dividends to net income (ytd only)* | 57.4144% | 1,559 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1555% | 1,137 |
| Loan loss allowance to noncurrent loans | 80.3454% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 1.9289% | 3,009 |
| Noncurrent loans to loans | 2.6828% | 2,451 |
| Net loans and leases to total assets | 70.3010% | 3,605 |
| Net loans and leases to deposits | 87.9995% | 3,291 |
| Net loans and leases to core deposits | 105.7008% | 3,948 |
| Total domestic deposits to total assets | 79.8880% | 5,408 |
| Equity capital to assets | 15.3221% | 1,006 |
| Core capital (leverage) ratio | 14.7951% | 1,007 |
| Tier 1 risk-based capital ratio | 17.7201% | 2,121 |
| Total risk-based capital ratio | 18.9214% | 2,082 |
| Memoranda: |
| Average total assets | $237,705,500 | 2,791 |
| Average earning assets | $219,577,000 | 2,770 |
| Average equity | $36,200,500 | 1,891 |
| Average total loans | $169,882,000 | 2,700 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3642% | 3,614 |
| Cost of funding earning assets | 2.4163% | 4,647 |
| Net interest margin | 3.9480% | 3,373 |
| Noninterest income to average assets | 0.4874% | 4,721 |
| Noninterest expense to average assets | 2.1646% | 7,076 |
| Loan and lease loss provision to assets | 0.3507% | 3,588 |
| Net operating income to assets | 1.1520% | 1,933 |
| Return on assets (ROA) | 1.1520% | 1,862 |
| Pretax return on assets | 1.6017% | 1,377 |
| Return on Equity (ROE) | 7.4131% | 3,316 |
| Retained earnings to average equity (ytd only) | 3.1166% | 3,214 |
| Net charge-offs to loans | -0.0031% | 7,761 |
| Credit loss provision to net charge-offs | -15,800.0000% | 7,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0595% | 7,481 |
| Assets per employee ($millions) | 4.6690% | 2,369 |
| Cash dividends to net income (ytd only)* | 57.9576% | 2,761 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0074% | 1,206 |
| Loan loss allowance to noncurrent loans | 158.7850% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.9000% | 4,592 |
| Noncurrent loans to loans | 1.2642% | 3,979 |
| Net loans and leases to total assets | 69.6594% | 4,103 |
| Net loans and leases to deposits | 86.3791% | 4,058 |
| Net loans and leases to core deposits | 101.8319% | 4,632 |
| Total domestic deposits to total assets | 80.6438% | 4,793 |
| Equity capital to assets | 15.1365% | 1,125 |
| Core capital (leverage) ratio | 14.9497% | 1,051 |
| Tier 1 risk-based capital ratio | 17.8701% | 2,069 |
| Total risk-based capital ratio | 19.1276% | 2,008 |
| Memoranda: |
| Average total assets | $225,264,400 | 2,827 |
| Average earning assets | $207,094,800 | 2,804 |
| Average equity | $35,005,600 | 1,932 |
| Average total loans | $160,782,800 | 2,765 |
