| 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 | 4.4675% | 3,145 |
| Cost of funding earning assets | 1.4247% | 2,162 |
| Net interest margin | 3.0428% | 3,197 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 1.7961% | 4,011 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.3755% | 1,262 |
| Return on assets (ROA) | 1.3073% | 1,387 |
| Pretax return on assets | 1.3438% | 1,752 |
| Return on Equity (ROE) | 18.9100% | 718 |
| Retained earnings to average equity (ytd only) | 2.7275% | 3,368 |
| Net charge-offs to loans | 0.0192% | 1,972 |
| Credit loss provision to net charge-offs | 214.2857% | 1,174 |
| Earnings coverage of net charge-offs (x) | 112.7500% | 848 |
| Efficiency ratio | 55.4756% | 3,551 |
| Assets per employee ($millions) | 8.2564% | 1,303 |
| Cash dividends to net income (ytd only)* | 85.5746% | 457 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1137% | 2,763 |
| Loan loss allowance to noncurrent loans | 1,339.4531% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.0585% | 3,189 |
| Noncurrent loans to loans | 0.0831% | 3,130 |
| Net loans and leases to total assets | 69.5800% | 1,859 |
| Net loans and leases to deposits | 80.8879% | 2,039 |
| Net loans and leases to core deposits | 83.5384% | 2,492 |
| Total domestic deposits to total assets | 86.0200% | 2,007 |
| Equity capital to assets | 7.2986% | 3,818 |
| Core capital (leverage) ratio | 9.0013% | 3,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3417% | 2,481 |
| Memoranda: |
| Average total assets | $438,009,000 | 1,894 |
| Average earning assets | $409,133,800 | 1,882 |
| Average equity | $30,284,400 | 2,252 |
| Average total loans | $291,981,400 | 1,821 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3994% | 3,104 |
| Cost of funding earning assets | 1.2550% | 2,268 |
| Net interest margin | 3.1444% | 3,042 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 1.7645% | 4,037 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.5085% | 1,101 |
| Return on assets (ROA) | 1.5152% | 1,081 |
| Pretax return on assets | 1.5579% | 1,451 |
| Return on Equity (ROE) | 22.2200% | 545 |
| Retained earnings to average equity (ytd only) | 6.6016% | 2,432 |
| Net charge-offs to loans | 0.0250% | 1,581 |
| Credit loss provision to net charge-offs | 166.6667% | 1,246 |
| Earnings coverage of net charge-offs (x) | 96.0370% | 937 |
| Efficiency ratio | 52.7859% | 3,693 |
| Assets per employee ($millions) | 8.3375% | 1,196 |
| Cash dividends to net income (ytd only)* | 70.2952% | 653 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1700% | 2,515 |
| Loan loss allowance to noncurrent loans | 1,545.9091% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.0635% | 3,192 |
| Noncurrent loans to loans | 0.0757% | 3,217 |
| Net loans and leases to total assets | 67.5600% | 2,097 |
| Net loans and leases to deposits | 75.5948% | 2,450 |
| Net loans and leases to core deposits | 77.2900% | 2,780 |
| Total domestic deposits to total assets | 89.3700% | 1,129 |
| Equity capital to assets | 6.7091% | 3,751 |
| Core capital (leverage) ratio | 9.1990% | 3,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2688% | 2,176 |
| Memoranda: |
| Average total assets | $438,113,750 | 1,894 |
| Average earning assets | $409,862,500 | 1,873 |
| Average equity | $29,871,000 | 2,255 |
| Average total loans | $288,004,750 | 1,841 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3475% | 3,003 |
| Cost of funding earning assets | 1.1429% | 2,157 |
| Net interest margin | 3.2046% | 2,986 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 1.7686% | 4,053 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.5593% | 1,006 |
| Return on assets (ROA) | 1.5693% | 986 |
| Pretax return on assets | 1.6321% | 1,355 |
| Return on Equity (ROE) | 22.9100% | 491 |
| Retained earnings to average equity (ytd only) | 8.0676% | 1,939 |
| Net charge-offs to loans | 0.0411% | 1,107 |
| Credit loss provision to net charge-offs | 101.6949% | 1,431 |
| Earnings coverage of net charge-offs (x) | 61.8475% | 1,181 |
| Efficiency ratio | 51.7520% | 3,789 |
| Assets per employee ($millions) | 8.5002% | 1,095 |
| Cash dividends to net income (ytd only)* | 64.7855% | 853 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1749% | 2,566 |
| Loan loss allowance to noncurrent loans | 1,118.2724% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.0694% | 3,075 |
| Noncurrent loans to loans | 0.1051% | 2,965 |
| Net loans and leases to total assets | 65.3100% | 2,233 |
| Net loans and leases to deposits | 72.2293% | 2,636 |
| Net loans and leases to core deposits | 73.6876% | 2,912 |
| Total domestic deposits to total assets | 90.4200% | 811 |
| Equity capital to assets | 7.0125% | 3,791 |
| Core capital (leverage) ratio | 8.6516% | 4,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3196% | 2,168 |
| Memoranda: |
| Average total assets | $442,621,667 | 1,883 |
| Average earning assets | $414,400,333 | 1,863 |
| Average equity | $30,318,667 | 2,254 |
| Average total loans | $287,112,667 | 1,836 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2144% | 3,009 |
| Cost of funding earning assets | 0.9833% | 2,102 |
| Net interest margin | 3.2311% | 3,039 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 1.6960% | 4,202 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.6647% | 878 |
| Return on assets (ROA) | 1.6647% | 878 |
| Pretax return on assets | 1.7326% | 1,212 |
| Return on Equity (ROE) | 24.5900% | 423 |
| Retained earnings to average equity (ytd only) | 10.0535% | 1,687 |
| Net charge-offs to loans | -0.0084% | 3,793 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.0810% | 4,017 |
| Assets per employee ($millions) | 9.0028% | 931 |
| Cash dividends to net income (ytd only)* | 59.1080% | 979 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2239% | 2,430 |
| Loan loss allowance to noncurrent loans | 906.9333% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.0817% | 2,987 |
| Noncurrent loans to loans | 0.1349% | 2,831 |
| Net loans and leases to total assets | 59.7800% | 2,682 |
| Net loans and leases to deposits | 65.7958% | 2,949 |
| Net loans and leases to core deposits | 67.0688% | 3,156 |
| Total domestic deposits to total assets | 90.8600% | 842 |
| Equity capital to assets | 6.8959% | 3,876 |
| Core capital (leverage) ratio | 8.4677% | 4,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3295% | 2,254 |
| Memoranda: |
| Average total assets | $447,177,000 | 1,886 |
| Average earning assets | $419,421,000 | 1,865 |
| Average equity | $30,278,000 | 2,280 |
| Average total loans | $287,417,000 | 1,851 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6115% | 2,770 |
| Cost of funding earning assets | 0.4263% | 1,891 |
| Net interest margin | 3.1852% | 2,915 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 1.7240% | 4,133 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.5138% | 853 |
| Return on assets (ROA) | 1.4842% | 885 |
| Pretax return on assets | 1.5518% | 1,287 |
| Return on Equity (ROE) | 20.5300% | 429 |
| Retained earnings to average equity (ytd only) | 2.7402% | 3,788 |
| Net charge-offs to loans | -0.0075% | 3,732 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 51.1292% | 4,055 |
| Assets per employee ($millions) | 8.0594% | 1,292 |
| Cash dividends to net income (ytd only)* | 86.6545% | 342 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9988% | 3,398 |
| Loan loss allowance to noncurrent loans | 882.7381% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.0772% | 3,020 |
| Noncurrent loans to loans | 0.1132% | 2,961 |
| Net loans and leases to total assets | 67.5500% | 1,879 |
| Net loans and leases to deposits | 74.5356% | 2,213 |
| Net loans and leases to core deposits | 75.9903% | 2,422 |
| Total domestic deposits to total assets | 90.6300% | 1,096 |
| Equity capital to assets | 6.6391% | 3,843 |
| Core capital (leverage) ratio | 8.4314% | 4,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3130% | 2,642 |
| Memoranda: |
| Average total assets | $441,239,200 | 1,884 |
| Average earning assets | $412,405,800 | 1,870 |
| Average equity | $31,895,200 | 2,247 |
| Average total loans | $280,482,400 | 1,815 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4047% | 2,905 |
| Cost of funding earning assets | 0.3073% | 2,086 |
| Net interest margin | 3.0974% | 2,941 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 1.6753% | 4,191 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.5181% | 814 |
| Return on assets (ROA) | 1.4952% | 844 |
| Pretax return on assets | 1.5690% | 1,211 |
| Return on Equity (ROE) | 20.2800% | 410 |
| Retained earnings to average equity (ytd only) | 5.4728% | 2,927 |
| Net charge-offs to loans | -0.0072% | 3,594 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 50.8362% | 4,110 |
| Assets per employee ($millions) | 8.3944% | 1,119 |
| Cash dividends to net income (ytd only)* | 73.0111% | 552 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9805% | 3,572 |
| Loan loss allowance to noncurrent loans | 982.9181% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.0644% | 3,245 |
| Noncurrent loans to loans | 0.0998% | 3,165 |
| Net loans and leases to total assets | 63.9000% | 2,098 |
| Net loans and leases to deposits | 69.9771% | 2,364 |
| Net loans and leases to core deposits | 71.4462% | 2,535 |
| Total domestic deposits to total assets | 91.3100% | 1,119 |
| Equity capital to assets | 6.2918% | 3,850 |
| Core capital (leverage) ratio | 8.7269% | 3,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8572% | 2,534 |
| Memoranda: |
| Average total assets | $442,746,500 | 1,885 |
| Average earning assets | $413,923,500 | 1,881 |
| Average equity | $32,645,500 | 2,246 |
| Average total loans | $276,367,500 | 1,826 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3102% | 2,706 |
| Cost of funding earning assets | 0.2461% | 2,324 |
| Net interest margin | 3.0641% | 2,665 |
| Noninterest income to average assets | 0.3988% | 2,766 |
| Noninterest expense to average assets | 1.6352% | 4,248 |
| Loan and lease loss provision to assets | 0.0270% | 2,111 |
| Net operating income to assets | 1.5287% | 657 |
| Return on assets (ROA) | 1.5287% | 637 |
| Pretax return on assets | 1.6029% | 933 |
| Return on Equity (ROE) | 19.7832% | 322 |
| Retained earnings to average equity (ytd only) | 5.0913% | 2,675 |
| Net charge-offs to loans | -0.0058% | 3,392 |
| Credit loss provision to net charge-offs | -750.0000% | 3,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0826% | 4,241 |
| Assets per employee ($millions) | 7.9233% | 1,348 |
| Cash dividends to net income (ytd only)* | 74.2647% | 723 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9893% | 3,648 |
| Loan loss allowance to noncurrent loans | 736.4865% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.0849% | 3,132 |
| Noncurrent loans to loans | 0.1343% | 3,039 |
| Net loans and leases to total assets | 62.5810% | 2,057 |
| Net loans and leases to deposits | 69.0648% | 2,298 |
| Net loans and leases to core deposits | 70.5776% | 2,441 |
| Total domestic deposits to total assets | 90.6120% | 1,412 |
| Equity capital to assets | 6.9533% | 3,795 |
| Core capital (leverage) ratio | 8.2768% | 4,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9872% | 2,505 |
| Memoranda: |
| Average total assets | $444,826,000 | 1,888 |
| Average earning assets | $416,103,000 | 1,896 |
| Average equity | $34,372,667 | 2,224 |
| Average total loans | $274,595,000 | 1,833 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1071% | 2,962 |
| Cost of funding earning assets | 0.2386% | 2,281 |
| Net interest margin | 2.8685% | 2,929 |
| Noninterest income to average assets | 0.3783% | 2,824 |
| Noninterest expense to average assets | 1.6664% | 4,187 |
| Loan and lease loss provision to assets | 0.0267% | 1,886 |
| Net operating income to assets | 1.2952% | 1,014 |
| Return on assets (ROA) | 1.2952% | 1,006 |
| Pretax return on assets | 1.3611% | 1,353 |
| Return on Equity (ROE) | 15.9853% | 536 |
| Retained earnings to average equity (ytd only) | -0.2197% | 4,044 |
| Net charge-offs to loans | -0.0088% | 3,532 |
| Credit loss provision to net charge-offs | -500.0000% | 3,133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5614% | 4,018 |
| Assets per employee ($millions) | 7.8023% | 1,486 |
| Cash dividends to net income (ytd only)* | 101.3746% | 510 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0178% | 3,642 |
| Loan loss allowance to noncurrent loans | 860.3834% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.0680% | 3,383 |
| Noncurrent loans to loans | 0.1183% | 3,236 |
| Net loans and leases to total assets | 56.8947% | 2,431 |
| Net loans and leases to deposits | 62.9453% | 2,633 |
| Net loans and leases to core deposits | 64.3651% | 2,768 |
| Total domestic deposits to total assets | 90.3875% | 1,338 |
| Equity capital to assets | 7.1980% | 4,102 |
| Core capital (leverage) ratio | 7.9390% | 4,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8121% | 2,674 |
| Memoranda: |
| Average total assets | $449,348,500 | 1,887 |
| Average earning assets | $419,169,500 | 1,888 |
| Average equity | $36,408,500 | 2,197 |
| Average total loans | $274,172,000 | 1,821 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7962% | 1,877 |
| Cost of funding earning assets | 0.1811% | 3,649 |
| Net interest margin | 3.6152% | 1,425 |
| Noninterest income to average assets | 0.4302% | 2,904 |
| Noninterest expense to average assets | 1.7638% | 4,202 |
| Loan and lease loss provision to assets | 0.0273% | 2,509 |
| Net operating income to assets | 1.9213% | 392 |
| Return on assets (ROA) | 1.9902% | 366 |
| Pretax return on assets | 2.0804% | 520 |
| Return on Equity (ROE) | 22.3046% | 205 |
| Retained earnings to average equity (ytd only) | 7.4936% | 1,724 |
| Net charge-offs to loans | -0.0104% | 3,755 |
| Credit loss provision to net charge-offs | -413.7931% | 3,709 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4189% | 4,477 |
| Assets per employee ($millions) | 7.4298% | 1,654 |
| Cash dividends to net income (ytd only)* | 66.4035% | 854 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9368% | 3,974 |
| Loan loss allowance to noncurrent loans | 519.1406% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.1168% | 3,109 |
| Noncurrent loans to loans | 0.1804% | 3,043 |
| Net loans and leases to total assets | 64.1221% | 1,687 |
| Net loans and leases to deposits | 73.1558% | 1,800 |
| Net loans and leases to core deposits | 75.5124% | 1,950 |
| Total domestic deposits to total assets | 87.6514% | 2,221 |
| Equity capital to assets | 9.0524% | 3,566 |
| Core capital (leverage) ratio | 8.0721% | 4,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3948% | 2,798 |
| Memoranda: |
| Average total assets | $439,102,600 | 1,869 |
| Average earning assets | $409,275,800 | 1,872 |
| Average equity | $39,180,200 | 2,111 |
| Average total loans | $277,711,000 | 1,799 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7841% | 2,047 |
| Cost of funding earning assets | 0.1411% | 4,186 |
| Net interest margin | 3.6430% | 1,485 |
| Noninterest income to average assets | 0.4510% | 2,834 |
| Noninterest expense to average assets | 1.9127% | 3,914 |
| Loan and lease loss provision to assets | 0.0273% | 2,447 |
| Net operating income to assets | 1.8025% | 664 |
| Return on assets (ROA) | 1.8933% | 588 |
| Pretax return on assets | 1.9986% | 800 |
| Return on Equity (ROE) | 21.2961% | 342 |
| Retained earnings to average equity (ytd only) | 8.8830% | 1,740 |
| Net charge-offs to loans | -0.0106% | 3,698 |
| Credit loss provision to net charge-offs | -409.0909% | 3,593 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7710% | 4,240 |
| Assets per employee ($millions) | 7.8793% | 1,322 |
| Cash dividends to net income (ytd only)* | 58.2879% | 896 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9588% | 3,979 |
| Loan loss allowance to noncurrent loans | 474.3636% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.1225% | 3,297 |
| Noncurrent loans to loans | 0.2021% | 3,144 |
| Net loans and leases to total assets | 60.0061% | 2,267 |
| Net loans and leases to deposits | 68.7292% | 2,366 |
| Net loans and leases to core deposits | 71.2715% | 2,493 |
| Total domestic deposits to total assets | 87.3080% | 2,208 |
| Equity capital to assets | 8.9219% | 3,906 |
| Core capital (leverage) ratio | 8.4889% | 4,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5268% | 2,854 |
| Memoranda: |
| Average total assets | $439,288,500 | 1,893 |
| Average earning assets | $409,034,750 | 1,890 |
| Average equity | $39,054,750 | 2,139 |
| Average total loans | $276,203,000 | 1,844 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5451% | 681 |
| Cost of funding earning assets | 0.3630% | 2,199 |
| Net interest margin | 4.1821% | 601 |
| Noninterest income to average assets | 0.4239% | 2,985 |
| Noninterest expense to average assets | 1.9350% | 3,874 |
| Loan and lease loss provision to assets | 0.0506% | 2,025 |
| Net operating income to assets | 2.2426% | 315 |
| Return on assets (ROA) | 2.2426% | 335 |
| Pretax return on assets | 2.3799% | 423 |
| Return on Equity (ROE) | 26.6482% | 157 |
| Retained earnings to average equity (ytd only) | 8.1216% | 2,031 |
| Net charge-offs to loans | -0.0206% | 4,007 |
| Credit loss provision to net charge-offs | -315.7895% | 3,333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3243% | 4,597 |
| Assets per employee ($millions) | 7.5887% | 1,426 |
| Cash dividends to net income (ytd only)* | 69.5227% | 700 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4185% | 1,893 |
| Loan loss allowance to noncurrent loans | 1,351.0526% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.0782% | 3,683 |
| Noncurrent loans to loans | 0.1050% | 3,662 |
| Net loans and leases to total assets | 73.4634% | 814 |
| Net loans and leases to deposits | 84.1269% | 1,057 |
| Net loans and leases to core deposits | 87.6782% | 1,296 |
| Total domestic deposits to total assets | 87.3245% | 2,159 |
| Equity capital to assets | 8.3891% | 4,291 |
| Core capital (leverage) ratio | 8.1341% | 4,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7425% | 3,005 |
| Memoranda: |
| Average total assets | $237,317,333 | 2,826 |
| Average earning assets | $223,670,000 | 2,806 |
| Average equity | $19,971,333 | 3,245 |
| Average total loans | $184,650,667 | 2,398 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8811% | 425 |
| Cost of funding earning assets | 0.3854% | 2,215 |
| Net interest margin | 4.4958% | 359 |
| Noninterest income to average assets | 0.3615% | 3,278 |
| Noninterest expense to average assets | 1.7616% | 4,272 |
| Loan and lease loss provision to assets | 0.0512% | 2,081 |
| Net operating income to assets | 2.6041% | 228 |
| Return on assets (ROA) | 2.6041% | 252 |
| Pretax return on assets | 2.7865% | 308 |
| Return on Equity (ROE) | 30.8937% | 126 |
| Retained earnings to average equity (ytd only) | 9.6505% | 1,753 |
| Net charge-offs to loans | -0.0043% | 3,334 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.3018% | 4,801 |
| Assets per employee ($millions) | 8.0354% | 1,187 |
| Cash dividends to net income (ytd only)* | 68.7623% | 737 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3466% | 2,217 |
| Loan loss allowance to noncurrent loans | 2,831.4607% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.0369% | 4,108 |
| Noncurrent loans to loans | 0.0476% | 4,046 |
| Net loans and leases to total assets | 76.5865% | 581 |
| Net loans and leases to deposits | 87.3416% | 868 |
| Net loans and leases to core deposits | 91.9349% | 1,120 |
| Total domestic deposits to total assets | 87.6862% | 2,001 |
| Equity capital to assets | 8.2800% | 4,296 |
| Core capital (leverage) ratio | 8.3062% | 4,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5383% | 3,005 |
| Memoranda: |
| Average total assets | $234,557,000 | 2,829 |
| Average earning assets | $221,096,000 | 2,811 |
| Average equity | $19,771,000 | 3,262 |
| Average total loans | $186,494,000 | 2,383 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7566% | 793 |
| Cost of funding earning assets | 0.6512% | 1,984 |
| Net interest margin | 4.1053% | 772 |
| Noninterest income to average assets | 0.3856% | 3,175 |
| Noninterest expense to average assets | 1.9288% | 4,268 |
| Loan and lease loss provision to assets | 0.3764% | 866 |
| Net operating income to assets | 1.8049% | 383 |
| Return on assets (ROA) | 1.8021% | 416 |
| Pretax return on assets | 1.9157% | 535 |
| Return on Equity (ROE) | 17.5404% | 367 |
| Retained earnings to average equity (ytd only) | -16.5968% | 4,951 |
| Net charge-offs to loans | 0.0144% | 2,835 |
| Credit loss provision to net charge-offs | 3,177.7778% | 313 |
| Earnings coverage of net charge-offs (x) | 193.7778% | 477 |
| Efficiency ratio | 45.6641% | 4,731 |
| Assets per employee ($millions) | 6.9107% | 1,634 |
| Cash dividends to net income (ytd only)* | 194.6203% | 57 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3387% | 2,237 |
| Loan loss allowance to noncurrent loans | 2,795.5056% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.0390% | 4,158 |
| Noncurrent loans to loans | 0.0479% | 4,104 |
| Net loans and leases to total assets | 80.4023% | 396 |
| Net loans and leases to deposits | 91.7130% | 799 |
| Net loans and leases to core deposits | 97.3315% | 1,040 |
| Total domestic deposits to total assets | 87.6673% | 1,624 |
| Equity capital to assets | 8.5866% | 4,382 |
| Core capital (leverage) ratio | 8.0744% | 4,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4827% | 3,029 |
| Memoranda: |
| Average total assets | $227,961,800 | 2,732 |
| Average earning assets | $213,136,800 | 2,722 |
| Average equity | $23,420,200 | 2,911 |
| Average total loans | $187,291,600 | 2,350 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9715% | 634 |
| Cost of funding earning assets | 0.6901% | 2,089 |
| Net interest margin | 4.2814% | 613 |
| Noninterest income to average assets | 0.3510% | 3,355 |
| Noninterest expense to average assets | 1.8929% | 4,339 |
| Loan and lease loss provision to assets | 0.4141% | 825 |
| Net operating income to assets | 1.9396% | 336 |
| Return on assets (ROA) | 1.9396% | 369 |
| Pretax return on assets | 2.0397% | 483 |
| Return on Equity (ROE) | 18.1348% | 352 |
| Retained earnings to average equity (ytd only) | 9.9315% | 778 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5473% | 4,811 |
| Assets per employee ($millions) | 7.4092% | 1,271 |
| Cash dividends to net income (ytd only)* | 45.2352% | 1,706 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1961% | 2,688 |
| Loan loss allowance to noncurrent loans | 1,080.3653% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.0924% | 3,966 |
| Noncurrent loans to loans | 0.1107% | 3,924 |
| Net loans and leases to total assets | 82.4336% | 404 |
| Net loans and leases to deposits | 96.5461% | 719 |
| Net loans and leases to core deposits | 103.3248% | 963 |
| Total domestic deposits to total assets | 85.3827% | 2,288 |
| Equity capital to assets | 10.6670% | 2,655 |
| Core capital (leverage) ratio | 10.3207% | 2,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7510% | 1,913 |
| Memoranda: |
| Average total assets | $227,939,250 | 2,716 |
| Average earning assets | $212,729,000 | 2,709 |
| Average equity | $24,379,750 | 2,847 |
| Average total loans | $187,652,750 | 2,352 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3264% | 462 |
| Cost of funding earning assets | 0.7285% | 2,246 |
| Net interest margin | 4.5979% | 413 |
| Noninterest income to average assets | 0.3424% | 3,422 |
| Noninterest expense to average assets | 1.8302% | 4,519 |
| Loan and lease loss provision to assets | 0.4962% | 731 |
| Net operating income to assets | 2.1913% | 224 |
| Return on assets (ROA) | 2.1913% | 245 |
| Pretax return on assets | 2.3043% | 302 |
| Return on Equity (ROE) | 20.4685% | 221 |
| Retained earnings to average equity (ytd only) | 12.1615% | 439 |
| Net charge-offs to loans | 0.0011% | 2,990 |
| Credit loss provision to net charge-offs | 55,800.0000% | 19 |
| Earnings coverage of net charge-offs (x) | 3,149.0000% | 21 |
| Efficiency ratio | 39.5237% | 4,924 |
| Assets per employee ($millions) | 7.5908% | 1,133 |
| Cash dividends to net income (ytd only)* | 40.5844% | 1,921 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1009% | 3,054 |
| Loan loss allowance to noncurrent loans | 696.2264% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.1309% | 3,873 |
| Noncurrent loans to loans | 0.1581% | 3,827 |
| Net loans and leases to total assets | 81.8848% | 426 |
| Net loans and leases to deposits | 96.2922% | 770 |
| Net loans and leases to core deposits | 103.6115% | 1,028 |
| Total domestic deposits to total assets | 85.0378% | 2,380 |
| Equity capital to assets | 10.2571% | 2,958 |
| Core capital (leverage) ratio | 10.1621% | 2,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4702% | 2,829 |
| Memoranda: |
| Average total assets | $224,887,333 | 2,721 |
| Average earning assets | $209,747,333 | 2,715 |
| Average equity | $24,076,000 | 2,851 |
| Average total loans | $184,266,333 | 2,363 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9211% | 1,144 |
| Cost of funding earning assets | 0.8360% | 2,194 |
| Net interest margin | 4.0851% | 1,164 |
| Noninterest income to average assets | 0.3669% | 3,319 |
| Noninterest expense to average assets | 1.9882% | 4,417 |
| Loan and lease loss provision to assets | 0.1075% | 2,334 |
| Net operating income to assets | 1.9937% | 270 |
| Return on assets (ROA) | 1.9937% | 298 |
| Pretax return on assets | 2.0919% | 373 |
| Return on Equity (ROE) | 18.1937% | 256 |
| Retained earnings to average equity (ytd only) | 9.7394% | 797 |
| Net charge-offs to loans | -0.0045% | 3,837 |
| Credit loss provision to net charge-offs | -2,900.0000% | 3,777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4779% | 4,783 |
| Assets per employee ($millions) | 6.6796% | 1,247 |
| Cash dividends to net income (ytd only)* | 46.4684% | 1,727 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9631% | 3,878 |
| Loan loss allowance to noncurrent loans | 1,320.7692% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.0590% | 4,295 |
| Noncurrent loans to loans | 0.0729% | 4,232 |
| Net loans and leases to total assets | 80.1033% | 687 |
| Net loans and leases to deposits | 96.9387% | 825 |
| Net loans and leases to core deposits | 105.2854% | 1,102 |
| Total domestic deposits to total assets | 82.6329% | 3,226 |
| Equity capital to assets | 10.8171% | 3,033 |
| Core capital (leverage) ratio | 10.9406% | 2,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2705% | 2,582 |
| Memoranda: |
| Average total assets | $215,878,000 | 2,739 |
| Average earning assets | $201,906,500 | 2,732 |
| Average equity | $23,656,500 | 2,876 |
| Average total loans | $175,841,000 | 2,406 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9508% | 1,609 |
| Cost of funding earning assets | 0.8812% | 2,280 |
| Net interest margin | 4.0695% | 1,623 |
| Noninterest income to average assets | 0.4276% | 3,120 |
| Noninterest expense to average assets | 2.1110% | 4,341 |
| Loan and lease loss provision to assets | 0.0120% | 3,775 |
| Net operating income to assets | 2.0185% | 336 |
| Return on assets (ROA) | 2.0185% | 351 |
| Pretax return on assets | 2.1225% | 452 |
| Return on Equity (ROE) | 18.3417% | 314 |
| Retained earnings to average equity (ytd only) | 5.8718% | 1,935 |
| Net charge-offs to loans | -0.0054% | 4,362 |
| Credit loss provision to net charge-offs | -277.7778% | 4,339 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7221% | 4,744 |
| Assets per employee ($millions) | 6.4039% | 1,353 |
| Cash dividends to net income (ytd only)* | 67.9866% | 1,212 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9562% | 3,719 |
| Loan loss allowance to noncurrent loans | 493.4524% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.1590% | 3,846 |
| Noncurrent loans to loans | 0.1938% | 3,763 |
| Net loans and leases to total assets | 81.2656% | 646 |
| Net loans and leases to deposits | 99.2613% | 649 |
| Net loans and leases to core deposits | 106.8834% | 1,055 |
| Total domestic deposits to total assets | 81.8704% | 3,539 |
| Equity capital to assets | 11.1055% | 2,900 |
| Core capital (leverage) ratio | 10.8800% | 2,612 |
| Tier 1 risk-based capital ratio | 12.3506% | 4,162 |
| Total risk-based capital ratio | 13.2535% | 4,234 |
| Memoranda: |
| Average total assets | $207,678,400 | 2,779 |
| Average earning assets | $194,838,600 | 2,751 |
| Average equity | $22,855,000 | 2,878 |
| Average total loans | $165,760,200 | 2,457 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9436% | 1,695 |
| Cost of funding earning assets | 0.8856% | 2,294 |
| Net interest margin | 4.0580% | 1,735 |
| Noninterest income to average assets | 0.4146% | 3,230 |
| Noninterest expense to average assets | 1.9822% | 4,591 |
| Loan and lease loss provision to assets | 0.0161% | 3,588 |
| Net operating income to assets | 2.1138% | 313 |
| Return on assets (ROA) | 2.1138% | 323 |
| Pretax return on assets | 2.2221% | 434 |
| Return on Equity (ROE) | 19.2523% | 298 |
| Retained earnings to average equity (ytd only) | 8.3869% | 1,250 |
| Net charge-offs to loans | -0.0684% | 4,905 |
| Credit loss provision to net charge-offs | -29.7619% | 3,987 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9672% | 4,898 |
| Assets per employee ($millions) | 6.3570% | 1,358 |
| Cash dividends to net income (ytd only)* | 56.4369% | 1,421 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0457% | 3,316 |
| Loan loss allowance to noncurrent loans | 1,732.0000% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.0477% | 4,479 |
| Noncurrent loans to loans | 0.0604% | 4,369 |
| Net loans and leases to total assets | 78.1320% | 1,117 |
| Net loans and leases to deposits | 92.8089% | 1,336 |
| Net loans and leases to core deposits | 101.6427% | 1,534 |
| Total domestic deposits to total assets | 84.1859% | 2,755 |
| Equity capital to assets | 11.2384% | 2,884 |
| Core capital (leverage) ratio | 11.1806% | 2,485 |
| Tier 1 risk-based capital ratio | 12.9041% | 3,904 |
| Total risk-based capital ratio | 13.8860% | 3,934 |
| Memoranda: |
| Average total assets | $206,766,000 | 2,806 |
| Average earning assets | $193,917,000 | 2,781 |
| Average equity | $22,701,500 | 2,917 |
| Average total loans | $163,851,500 | 2,492 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9242% | 1,685 |
| Cost of funding earning assets | 0.8787% | 2,257 |
| Net interest margin | 4.0455% | 1,776 |
| Noninterest income to average assets | 0.3810% | 3,395 |
| Noninterest expense to average assets | 1.9576% | 4,671 |
| Loan and lease loss provision to assets | 0.0243% | 3,321 |
| Net operating income to assets | 2.0917% | 330 |
| Return on assets (ROA) | 2.0917% | 343 |
| Pretax return on assets | 2.1987% | 448 |
| Return on Equity (ROE) | 19.2057% | 305 |
| Retained earnings to average equity (ytd only) | 9.1656% | 985 |
| Net charge-offs to loans | -0.1054% | 5,009 |
| Credit loss provision to net charge-offs | -29.0698% | 3,791 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8263% | 4,948 |
| Assets per employee ($millions) | 6.3197% | 1,323 |
| Cash dividends to net income (ytd only)* | 52.2770% | 1,669 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0691% | 3,243 |
| Loan loss allowance to noncurrent loans | 1,734.0000% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 4,518 |
| Noncurrent loans to loans | 0.0617% | 4,407 |
| Net loans and leases to total assets | 79.3454% | 994 |
| Net loans and leases to deposits | 94.6142% | 1,192 |
| Net loans and leases to core deposits | 102.0666% | 1,547 |
| Total domestic deposits to total assets | 83.8620% | 2,924 |
| Equity capital to assets | 11.4082% | 2,695 |
| Core capital (leverage) ratio | 10.8063% | 2,780 |
| Tier 1 risk-based capital ratio | 12.9580% | 3,861 |
| Total risk-based capital ratio | 13.9627% | 3,904 |
| Memoranda: |
| Average total assets | $205,761,000 | 2,822 |
| Average earning assets | $193,251,000 | 2,796 |
| Average equity | $22,410,000 | 2,934 |
| Average total loans | $163,256,000 | 2,507 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8075% | 1,880 |
| Cost of funding earning assets | 0.8468% | 2,286 |
| Net interest margin | 3.9607% | 1,986 |
| Noninterest income to average assets | 0.3855% | 3,289 |
| Noninterest expense to average assets | 1.9911% | 4,659 |
| Loan and lease loss provision to assets | 0.0289% | 3,036 |
| Net operating income to assets | 1.9795% | 400 |
| Return on assets (ROA) | 1.9795% | 416 |
| Pretax return on assets | 2.0797% | 550 |
| Return on Equity (ROE) | 18.6055% | 350 |
| Retained earnings to average equity (ytd only) | 11.3590% | 738 |
| Net charge-offs to loans | 0.0098% | 2,340 |
| Credit loss provision to net charge-offs | 375.0000% | 719 |
| Earnings coverage of net charge-offs (x) | 273.5000% | 293 |
| Efficiency ratio | 48.5661% | 4,917 |
| Assets per employee ($millions) | 6.6033% | 1,192 |
| Cash dividends to net income (ytd only)* | 38.9484% | 1,954 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9973% | 3,727 |
| Loan loss allowance to noncurrent loans | 1,586.4078% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.0487% | 4,586 |
| Noncurrent loans to loans | 0.0629% | 4,481 |
| Net loans and leases to total assets | 76.7653% | 1,356 |
| Net loans and leases to deposits | 90.5457% | 1,562 |
| Net loans and leases to core deposits | 97.8459% | 1,789 |
| Total domestic deposits to total assets | 84.7808% | 2,761 |
| Equity capital to assets | 10.6576% | 3,201 |
| Core capital (leverage) ratio | 10.7698% | 2,787 |
| Tier 1 risk-based capital ratio | 12.6990% | 4,043 |
| Total risk-based capital ratio | 13.6438% | 4,101 |
| Memoranda: |
| Average total assets | $207,526,000 | 2,834 |
| Average earning assets | $194,612,000 | 2,809 |
| Average equity | $22,079,500 | 2,963 |
| Average total loans | $163,786,500 | 2,520 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7235% | 1,752 |
| Cost of funding earning assets | 0.6517% | 2,381 |
| Net interest margin | 4.0718% | 1,764 |
| Noninterest income to average assets | 0.4420% | 3,157 |
| Noninterest expense to average assets | 1.9211% | 4,864 |
| Loan and lease loss provision to assets | 0.1149% | 1,920 |
| Net operating income to assets | 2.1146% | 292 |
| Return on assets (ROA) | 2.1146% | 285 |
| Pretax return on assets | 2.2231% | 340 |
| Return on Equity (ROE) | 20.2675% | 238 |
| Retained earnings to average equity (ytd only) | 6.1471% | 2,118 |
| Net charge-offs to loans | 0.0934% | 1,832 |
| Credit loss provision to net charge-offs | 156.0000% | 1,780 |
| Earnings coverage of net charge-offs (x) | 31.7400% | 1,534 |
| Efficiency ratio | 45.1055% | 5,147 |
| Assets per employee ($millions) | 6.3671% | 1,285 |
| Cash dividends to net income (ytd only)* | 69.6702% | 1,100 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9913% | 3,753 |
| Loan loss allowance to noncurrent loans | 1,560.5769% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.0510% | 4,587 |
| Noncurrent loans to loans | 0.0635% | 4,467 |
| Net loans and leases to total assets | 79.5629% | 1,007 |
| Net loans and leases to deposits | 93.4108% | 1,345 |
| Net loans and leases to core deposits | 101.7640% | 1,595 |
| Total domestic deposits to total assets | 85.1752% | 2,575 |
| Equity capital to assets | 10.6205% | 3,057 |
| Core capital (leverage) ratio | 10.4134% | 3,127 |
| Tier 1 risk-based capital ratio | 12.2621% | 4,255 |
| Total risk-based capital ratio | 13.1949% | 4,351 |
| Memoranda: |
| Average total assets | $203,632,800 | 2,824 |
| Average earning assets | $190,896,200 | 2,822 |
| Average equity | $21,245,800 | 2,961 |
| Average total loans | $160,555,800 | 2,520 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6522% | 1,826 |
| Cost of funding earning assets | 0.5940% | 2,513 |
| Net interest margin | 4.0582% | 1,763 |
| Noninterest income to average assets | 0.4243% | 3,329 |
| Noninterest expense to average assets | 1.9207% | 4,873 |
| Loan and lease loss provision to assets | 0.0413% | 3,174 |
| Net operating income to assets | 2.1584% | 279 |
| Return on assets (ROA) | 2.1584% | 275 |
| Pretax return on assets | 2.2697% | 359 |
| Return on Equity (ROE) | 20.7805% | 227 |
| Retained earnings to average equity (ytd only) | 8.8015% | 1,304 |
| Net charge-offs to loans | 0.0117% | 2,998 |
| Credit loss provision to net charge-offs | 450.0000% | 756 |
| Earnings coverage of net charge-offs (x) | 252.0204% | 366 |
| Efficiency ratio | 45.3884% | 5,173 |
| Assets per employee ($millions) | 6.1438% | 1,391 |
| Cash dividends to net income (ytd only)* | 57.6456% | 1,304 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9760% | 3,913 |
| Loan loss allowance to noncurrent loans | 670.0422% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.1169% | 4,391 |
| Noncurrent loans to loans | 0.1457% | 4,236 |
| Net loans and leases to total assets | 79.4678% | 1,095 |
| Net loans and leases to deposits | 95.9624% | 1,160 |
| Net loans and leases to core deposits | 102.1551% | 1,599 |
| Total domestic deposits to total assets | 82.8114% | 3,372 |
| Equity capital to assets | 10.6340% | 3,011 |
| Core capital (leverage) ratio | 10.6772% | 2,907 |
| Tier 1 risk-based capital ratio | 12.4408% | 4,230 |
| Total risk-based capital ratio | 13.3628% | 4,330 |
| Memoranda: |
| Average total assets | $203,604,250 | 2,846 |
| Average earning assets | $191,014,500 | 2,834 |
| Average equity | $21,147,500 | 2,989 |
| Average total loans | $159,762,250 | 2,535 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5726% | 1,866 |
| Cost of funding earning assets | 0.5353% | 2,730 |
| Net interest margin | 4.0373% | 1,737 |
| Noninterest income to average assets | 0.4198% | 3,352 |
| Noninterest expense to average assets | 1.8765% | 4,993 |
| Loan and lease loss provision to assets | 0.0412% | 3,084 |
| Net operating income to assets | 2.1845% | 266 |
| Return on assets (ROA) | 2.1845% | 258 |
| Pretax return on assets | 2.2973% | 330 |
| Return on Equity (ROE) | 21.1994% | 193 |
| Retained earnings to average equity (ytd only) | 10.2523% | 855 |
| Net charge-offs to loans | 0.0189% | 2,516 |
| Credit loss provision to net charge-offs | 280.0000% | 1,061 |
| Earnings coverage of net charge-offs (x) | 158.9333% | 497 |
| Efficiency ratio | 44.5194% | 5,266 |
| Assets per employee ($millions) | 6.4744% | 1,187 |
| Cash dividends to net income (ytd only)* | 51.6390% | 1,606 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9720% | 4,000 |
| Loan loss allowance to noncurrent loans | 1,195.4198% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.0653% | 4,690 |
| Noncurrent loans to loans | 0.0813% | 4,545 |
| Net loans and leases to total assets | 79.4899% | 1,096 |
| Net loans and leases to deposits | 94.6803% | 1,284 |
| Net loans and leases to core deposits | 99.5054% | 1,772 |
| Total domestic deposits to total assets | 83.9561% | 3,082 |
| Equity capital to assets | 10.6639% | 2,963 |
| Core capital (leverage) ratio | 10.3300% | 3,208 |
| Tier 1 risk-based capital ratio | 12.3792% | 4,257 |
| Total risk-based capital ratio | 13.2978% | 4,340 |
| Memoranda: |
| Average total assets | $203,890,670 | 2,866 |
| Average earning assets | $191,663,330 | 2,837 |
| Average equity | $21,010,000 | 3,016 |
| Average total loans | $158,781,330 | 2,560 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3673% | 2,305 |
| Cost of funding earning assets | 0.4800% | 2,963 |
| Net interest margin | 3.8873% | 2,093 |
| Noninterest income to average assets | 0.4146% | 3,356 |
| Noninterest expense to average assets | 1.8357% | 5,116 |
| Loan and lease loss provision to assets | 0.0409% | 2,939 |
| Net operating income to assets | 2.0907% | 301 |
| Return on assets (ROA) | 2.0907% | 302 |
| Pretax return on assets | 2.1958% | 384 |
| Return on Equity (ROE) | 20.6404% | 215 |
| Retained earnings to average equity (ytd only) | 12.9531% | 528 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0765% | 5,314 |
| Assets per employee ($millions) | 6.8353% | 1,033 |
| Cash dividends to net income (ytd only)* | 37.2439% | 1,931 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9864% | 4,041 |
| Loan loss allowance to noncurrent loans | 1,190.8397% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.0618% | 4,781 |
| Noncurrent loans to loans | 0.0828% | 4,613 |
| Net loans and leases to total assets | 73.8977% | 1,871 |
| Net loans and leases to deposits | 86.5330% | 2,099 |
| Net loans and leases to core deposits | 91.1464% | 2,365 |
| Total domestic deposits to total assets | 85.3983% | 2,789 |
| Equity capital to assets | 9.9229% | 3,671 |
| Core capital (leverage) ratio | 10.2507% | 3,239 |
| Tier 1 risk-based capital ratio | 12.1355% | 4,469 |
| Total risk-based capital ratio | 13.0499% | 4,561 |
| Memoranda: |
| Average total assets | $205,483,000 | 2,883 |
| Average earning assets | $193,346,500 | 2,849 |
| Average equity | $20,813,500 | 3,070 |
| Average total loans | $157,618,500 | 2,598 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2743% | 2,415 |
| Cost of funding earning assets | 0.4669% | 2,626 |
| Net interest margin | 3.8074% | 2,402 |
| Noninterest income to average assets | 0.4537% | 3,285 |
| Noninterest expense to average assets | 1.8822% | 5,137 |
| Loan and lease loss provision to assets | 0.0417% | 3,428 |
| Net operating income to assets | 2.0279% | 264 |
| Return on assets (ROA) | 2.0260% | 270 |
| Pretax return on assets | 2.1024% | 395 |
| Return on Equity (ROE) | 20.5292% | 174 |
| Retained earnings to average equity (ytd only) | 7.9685% | 778 |
| Net charge-offs to loans | 0.0104% | 3,722 |
| Credit loss provision to net charge-offs | 525.0000% | 594 |
| Earnings coverage of net charge-offs (x) | 270.5000% | 313 |
| Efficiency ratio | 46.7258% | 5,371 |
| Assets per employee ($millions) | 6.6358% | 1,133 |
| Cash dividends to net income (ytd only)* | 61.1845% | 1,696 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9797% | 4,055 |
| Loan loss allowance to noncurrent loans | 3,664.2857% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0211% | 5,047 |
| Noncurrent loans to loans | 0.0267% | 4,896 |
| Net loans and leases to total assets | 78.1392% | 1,274 |
| Net loans and leases to deposits | 88.2491% | 1,992 |
| Net loans and leases to core deposits | 94.2677% | 2,168 |
| Total domestic deposits to total assets | 88.5439% | 1,226 |
| Equity capital to assets | 10.3485% | 3,331 |
| Core capital (leverage) ratio | 10.0196% | 3,431 |
| Tier 1 risk-based capital ratio | 11.9507% | 4,565 |
| Total risk-based capital ratio | 12.8689% | 4,666 |
| Memoranda: |
| Average total assets | $201,677,400 | 2,909 |
| Average earning assets | $189,340,600 | 2,873 |
| Average equity | $19,903,400 | 3,157 |
| Average total loans | $153,314,800 | 2,618 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2114% | 2,571 |
| Cost of funding earning assets | 0.4497% | 2,721 |
| Net interest margin | 3.7617% | 2,534 |
| Noninterest income to average assets | 0.4468% | 3,353 |
| Noninterest expense to average assets | 1.8260% | 5,241 |
| Loan and lease loss provision to assets | 0.0415% | 3,278 |
| Net operating income to assets | 2.0257% | 307 |
| Return on assets (ROA) | 2.0257% | 312 |
| Pretax return on assets | 2.1127% | 439 |
| Return on Equity (ROE) | 20.7743% | 188 |
| Retained earnings to average equity (ytd only) | 11.3130% | 366 |
| Net charge-offs to loans | -0.0053% | 4,469 |
| Credit loss provision to net charge-offs | -1,050.0000% | 4,960 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8775% | 5,426 |
| Assets per employee ($millions) | 6.5985% | 1,126 |
| Cash dividends to net income (ytd only)* | 45.5433% | 1,990 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0013% | 4,048 |
| Loan loss allowance to noncurrent loans | 38,500.0000% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 5,265 |
| Noncurrent loans to loans | 0.0026% | 5,149 |
| Net loans and leases to total assets | 76.9165% | 1,432 |
| Net loans and leases to deposits | 88.2595% | 2,018 |
| Net loans and leases to core deposits | 92.9684% | 2,351 |
| Total domestic deposits to total assets | 87.1481% | 1,798 |
| Equity capital to assets | 10.4862% | 3,392 |
| Core capital (leverage) ratio | 10.1008% | 3,442 |
| Tier 1 risk-based capital ratio | 12.0889% | 4,549 |
| Total risk-based capital ratio | 13.0143% | 4,662 |
| Memoranda: |
| Average total assets | $202,328,500 | 2,931 |
| Average earning assets | $190,050,500 | 2,893 |
| Average equity | $19,729,000 | 3,193 |
| Average total loans | $152,370,250 | 2,647 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1355% | 2,718 |
| Cost of funding earning assets | 0.4282% | 2,820 |
| Net interest margin | 3.7073% | 2,631 |
| Noninterest income to average assets | 0.4328% | 3,468 |
| Noninterest expense to average assets | 1.7911% | 5,324 |
| Loan and lease loss provision to assets | 0.0412% | 3,180 |
| Net operating income to assets | 2.0080% | 302 |
| Return on assets (ROA) | 2.0080% | 308 |
| Pretax return on assets | 2.0845% | 460 |
| Return on Equity (ROE) | 21.1080% | 175 |
| Retained earnings to average equity (ytd only) | 11.8230% | 338 |
| Net charge-offs to loans | -0.0066% | 4,407 |
| Credit loss provision to net charge-offs | -840.0000% | 4,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7279% | 5,471 |
| Assets per employee ($millions) | 6.5987% | 1,094 |
| Cash dividends to net income (ytd only)* | 43.9883% | 2,139 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9918% | 4,195 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 76.5514% | 1,456 |
| Net loans and leases to deposits | 88.7264% | 1,896 |
| Net loans and leases to core deposits | 92.0316% | 2,333 |
| Total domestic deposits to total assets | 86.2781% | 2,254 |
| Equity capital to assets | 10.2323% | 3,642 |
| Core capital (leverage) ratio | 9.5368% | 4,092 |
| Tier 1 risk-based capital ratio | 11.8886% | 4,709 |
| Total risk-based capital ratio | 12.8098% | 4,814 |
| Memoranda: |
| Average total assets | $203,786,330 | 2,926 |
| Average earning assets | $191,511,670 | 2,892 |
| Average equity | $19,386,000 | 3,232 |
| Average total loans | $151,893,670 | 2,662 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9864% | 3,090 |
| Cost of funding earning assets | 0.4139% | 2,868 |
| Net interest margin | 3.5725% | 2,992 |
| Noninterest income to average assets | 0.4238% | 3,497 |
| Noninterest expense to average assets | 1.8249% | 5,340 |
| Loan and lease loss provision to assets | 0.0406% | 2,991 |
| Net operating income to assets | 1.8752% | 387 |
| Return on assets (ROA) | 1.8752% | 404 |
| Pretax return on assets | 1.9158% | 601 |
| Return on Equity (ROE) | 20.4527% | 211 |
| Retained earnings to average equity (ytd only) | 12.0099% | 470 |
| Net charge-offs to loans | -0.0132% | 4,534 |
| Credit loss provision to net charge-offs | -420.0000% | 4,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2600% | 5,457 |
| Assets per employee ($millions) | 7.4520% | 774 |
| Cash dividends to net income (ytd only)* | 41.2797% | 1,961 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9973% | 4,310 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 71.2198% | 2,182 |
| Net loans and leases to deposits | 79.7100% | 2,782 |
| Net loans and leases to core deposits | 82.3014% | 3,066 |
| Total domestic deposits to total assets | 89.3485% | 975 |
| Equity capital to assets | 9.2477% | 4,571 |
| Core capital (leverage) ratio | 9.3716% | 4,258 |
| Tier 1 risk-based capital ratio | 11.5608% | 4,991 |
| Total risk-based capital ratio | 12.4710% | 5,089 |
| Memoranda: |
| Average total assets | $206,699,000 | 2,920 |
| Average earning assets | $194,261,000 | 2,884 |
| Average equity | $18,951,000 | 3,293 |
| Average total loans | $151,310,500 | 2,686 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0999% | 2,850 |
| Cost of funding earning assets | 0.3910% | 3,091 |
| Net interest margin | 3.7089% | 2,656 |
| Noninterest income to average assets | 0.4658% | 3,443 |
| Noninterest expense to average assets | 1.8199% | 5,455 |
| Loan and lease loss provision to assets | 0.0732% | 2,891 |
| Net operating income to assets | 1.9473% | 357 |
| Return on assets (ROA) | 1.9898% | 341 |
| Pretax return on assets | 2.0950% | 403 |
| Return on Equity (ROE) | 21.0419% | 179 |
| Retained earnings to average equity (ytd only) | 8.4049% | 737 |
| Net charge-offs to loans | -0.0034% | 4,758 |
| Credit loss provision to net charge-offs | -2,880.0000% | 5,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1509% | 5,636 |
| Assets per employee ($millions) | 7.0600% | 897 |
| Cash dividends to net income (ytd only)* | 60.0562% | 1,782 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9645% | 4,501 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0347% | 5,226 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 73.7752% | 1,880 |
| Net loans and leases to deposits | 82.4538% | 2,612 |
| Net loans and leases to core deposits | 85.1757% | 2,913 |
| Total domestic deposits to total assets | 89.4745% | 874 |
| Equity capital to assets | 9.0876% | 4,722 |
| Core capital (leverage) ratio | 9.1930% | 4,487 |
| Tier 1 risk-based capital ratio | 11.1812% | 5,239 |
| Total risk-based capital ratio | 12.0729% | 5,320 |
| Memoranda: |
| Average total assets | $196,656,800 | 2,993 |
| Average earning assets | $184,394,200 | 2,962 |
| Average equity | $18,596,200 | 3,329 |
| Average total loans | $145,506,200 | 2,705 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1212% | 2,797 |
| Cost of funding earning assets | 0.3903% | 3,125 |
| Net interest margin | 3.7309% | 2,588 |
| Noninterest income to average assets | 0.4802% | 3,376 |
| Noninterest expense to average assets | 1.8461% | 5,463 |
| Loan and lease loss provision to assets | 0.0247% | 3,754 |
| Net operating income to assets | 2.0033% | 341 |
| Return on assets (ROA) | 2.0606% | 324 |
| Pretax return on assets | 2.1667% | 414 |
| Return on Equity (ROE) | 21.5695% | 171 |
| Retained earnings to average equity (ytd only) | 11.5305% | 355 |
| Net charge-offs to loans | -0.0250% | 5,088 |
| Credit loss provision to net charge-offs | -133.3333% | 4,792 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4175% | 5,652 |
| Assets per employee ($millions) | 6.5756% | 1,062 |
| Cash dividends to net income (ytd only)* | 46.5425% | 2,049 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9502% | 4,664 |
| Loan loss allowance to noncurrent loans | 765.1934% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.0918% | 5,074 |
| Noncurrent loans to loans | 0.1242% | 4,844 |
| Net loans and leases to total assets | 73.1903% | 1,997 |
| Net loans and leases to deposits | 82.6451% | 2,647 |
| Net loans and leases to core deposits | 85.5034% | 2,989 |
| Total domestic deposits to total assets | 88.5597% | 1,124 |
| Equity capital to assets | 9.8566% | 4,295 |
| Core capital (leverage) ratio | 9.5461% | 4,120 |
| Tier 1 risk-based capital ratio | 11.7865% | 4,926 |
| Total risk-based capital ratio | 12.6695% | 5,037 |
| Memoranda: |
| Average total assets | $194,635,750 | 3,023 |
| Average earning assets | $182,433,750 | 3,006 |
| Average equity | $18,593,750 | 3,358 |
| Average total loans | $143,753,000 | 2,726 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1053% | 2,834 |
| Cost of funding earning assets | 0.3862% | 3,192 |
| Net interest margin | 3.7191% | 2,617 |
| Noninterest income to average assets | 0.4800% | 3,331 |
| Noninterest expense to average assets | 1.8157% | 5,576 |
| Loan and lease loss provision to assets | 0.0248% | 3,637 |
| Net operating income to assets | 2.0221% | 321 |
| Return on assets (ROA) | 2.0417% | 318 |
| Pretax return on assets | 2.1491% | 419 |
| Return on Equity (ROE) | 21.6053% | 170 |
| Retained earnings to average equity (ytd only) | 10.6825% | 481 |
| Net charge-offs to loans | -0.0280% | 5,083 |
| Credit loss provision to net charge-offs | -120.0000% | 4,627 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7477% | 5,762 |
| Assets per employee ($millions) | 6.6714% | 1,015 |
| Cash dividends to net income (ytd only)* | 50.5561% | 1,941 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9339% | 4,826 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 74.8969% | 1,672 |
| Net loans and leases to deposits | 84.5147% | 2,405 |
| Net loans and leases to core deposits | 87.6256% | 2,765 |
| Total domestic deposits to total assets | 88.6199% | 1,107 |
| Equity capital to assets | 9.8160% | 4,429 |
| Core capital (leverage) ratio | 9.1106% | 4,702 |
| Tier 1 risk-based capital ratio | 11.2757% | 5,285 |
| Total risk-based capital ratio | 12.1381% | 5,405 |
| Memoranda: |
| Average total assets | $193,758,330 | 3,054 |
| Average earning assets | $181,764,670 | 3,024 |
| Average equity | $18,310,330 | 3,399 |
| Average total loans | $143,082,000 | 2,736 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0763% | 2,940 |
| Cost of funding earning assets | 0.3812% | 3,284 |
| Net interest margin | 3.6951% | 2,688 |
| Noninterest income to average assets | 0.4621% | 3,401 |
| Noninterest expense to average assets | 1.6792% | 5,769 |
| Loan and lease loss provision to assets | 0.0248% | 3,354 |
| Net operating income to assets | 2.1059% | 277 |
| Return on assets (ROA) | 2.1000% | 290 |
| Pretax return on assets | 2.2114% | 371 |
| Return on Equity (ROE) | 22.6600% | 141 |
| Retained earnings to average equity (ytd only) | 13.7340% | 338 |
| Net charge-offs to loans | -0.0396% | 5,204 |
| Credit loss provision to net charge-offs | -85.7143% | 4,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8196% | 5,897 |
| Assets per employee ($millions) | 6.7457% | 991 |
| Cash dividends to net income (ytd only)* | 39.3910% | 2,096 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9408% | 4,900 |
| Loan loss allowance to noncurrent loans | 446.3576% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.1544% | 4,957 |
| Noncurrent loans to loans | 0.2108% | 4,669 |
| Net loans and leases to total assets | 72.5509% | 1,944 |
| Net loans and leases to deposits | 81.3858% | 2,618 |
| Net loans and leases to core deposits | 84.1997% | 2,919 |
| Total domestic deposits to total assets | 89.1445% | 1,022 |
| Equity capital to assets | 9.3623% | 4,821 |
| Core capital (leverage) ratio | 9.2007% | 4,599 |
| Tier 1 risk-based capital ratio | 11.2430% | 5,375 |
| Total risk-based capital ratio | 12.1092% | 5,481 |
| Memoranda: |
| Average total assets | $193,902,500 | 3,056 |
| Average earning assets | $181,537,500 | 3,033 |
| Average equity | $17,970,000 | 3,445 |
| Average total loans | $141,488,500 | 2,753 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9907% | 3,348 |
| Cost of funding earning assets | 0.3986% | 3,180 |
| Net interest margin | 3.5921% | 3,171 |
| Noninterest income to average assets | 0.4927% | 3,375 |
| Noninterest expense to average assets | 1.9498% | 5,545 |
| Loan and lease loss provision to assets | 0.0159% | 4,094 |
| Net operating income to assets | 1.7869% | 497 |
| Return on assets (ROA) | 1.7949% | 503 |
| Pretax return on assets | 1.8901% | 668 |
| Return on Equity (ROE) | 19.8757% | 260 |
| Retained earnings to average equity (ytd only) | 6.1178% | 1,734 |
| Net charge-offs to loans | -0.0367% | 5,470 |
| Credit loss provision to net charge-offs | -61.2245% | 5,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6802% | 5,725 |
| Assets per employee ($millions) | 6.4060% | 1,139 |
| Cash dividends to net income (ytd only)* | 69.2194% | 1,293 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9463% | 4,887 |
| Loan loss allowance to noncurrent loans | 826.2500% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.1108% | 5,150 |
| Noncurrent loans to loans | 0.1145% | 5,041 |
| Net loans and leases to total assets | 72.0050% | 2,049 |
| Net loans and leases to deposits | 83.1951% | 2,455 |
| Net loans and leases to core deposits | 86.3752% | 2,769 |
| Total domestic deposits to total assets | 86.5497% | 2,353 |
| Equity capital to assets | 9.1710% | 4,946 |
| Core capital (leverage) ratio | 8.8345% | 5,071 |
| Tier 1 risk-based capital ratio | 11.0109% | 5,517 |
| Total risk-based capital ratio | 11.8732% | 5,637 |
| Memoranda: |
| Average total assets | $189,147,200 | 3,064 |
| Average earning assets | $176,637,400 | 3,036 |
| Average equity | $17,081,200 | 3,518 |
| Average total loans | $133,448,400 | 2,833 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9577% | 3,511 |
| Cost of funding earning assets | 0.4022% | 3,204 |
| Net interest margin | 3.5555% | 3,320 |
| Noninterest income to average assets | 0.4990% | 3,373 |
| Noninterest expense to average assets | 1.8911% | 5,655 |
| Loan and lease loss provision to assets | 0.0163% | 3,947 |
| Net operating income to assets | 1.8183% | 501 |
| Return on assets (ROA) | 1.8345% | 504 |
| Pretax return on assets | 1.9307% | 683 |
| Return on Equity (ROE) | 20.3946% | 249 |
| Retained earnings to average equity (ytd only) | 7.8053% | 1,328 |
| Net charge-offs to loans | -0.0293% | 5,348 |
| Credit loss provision to net charge-offs | -79.3103% | 5,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4906% | 5,803 |
| Assets per employee ($millions) | 6.1675% | 1,261 |
| Cash dividends to net income (ytd only)* | 61.7285% | 1,341 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9898% | 4,804 |
| Loan loss allowance to noncurrent loans | 539.5833% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.1532% | 5,152 |
| Noncurrent loans to loans | 0.1834% | 4,910 |
| Net loans and leases to total assets | 67.7570% | 2,716 |
| Net loans and leases to deposits | 75.8937% | 3,316 |
| Net loans and leases to core deposits | 78.7112% | 3,543 |
| Total domestic deposits to total assets | 89.2788% | 883 |
| Equity capital to assets | 9.1405% | 5,171 |
| Core capital (leverage) ratio | 8.9108% | 5,102 |
| Tier 1 risk-based capital ratio | 11.4857% | 5,383 |
| Total risk-based capital ratio | 12.3702% | 5,485 |
| Memoranda: |
| Average total assets | $188,388,750 | 3,096 |
| Average earning assets | $176,024,000 | 3,067 |
| Average equity | $16,945,250 | 3,565 |
| Average total loans | $131,885,000 | 2,875 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9398% | 3,533 |
| Cost of funding earning assets | 0.4031% | 3,247 |
| Net interest margin | 3.5367% | 3,353 |
| Noninterest income to average assets | 0.4748% | 3,526 |
| Noninterest expense to average assets | 1.9013% | 5,706 |
| Loan and lease loss provision to assets | 0.0160% | 3,807 |
| Net operating income to assets | 1.7697% | 545 |
| Return on assets (ROA) | 1.7828% | 561 |
| Pretax return on assets | 1.8757% | 774 |
| Return on Equity (ROE) | 19.9304% | 272 |
| Retained earnings to average equity (ytd only) | 5.6177% | 2,455 |
| Net charge-offs to loans | -0.0287% | 5,314 |
| Credit loss provision to net charge-offs | -78.9474% | 4,866 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3106% | 5,838 |
| Assets per employee ($millions) | 6.4578% | 1,074 |
| Cash dividends to net income (ytd only)* | 71.8133% | 1,143 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9678% | 5,015 |
| Loan loss allowance to noncurrent loans | 783.4356% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.1153% | 5,402 |
| Noncurrent loans to loans | 0.1235% | 5,262 |
| Net loans and leases to total assets | 69.7774% | 2,351 |
| Net loans and leases to deposits | 78.0501% | 3,024 |
| Net loans and leases to core deposits | 81.0058% | 3,280 |
| Total domestic deposits to total assets | 89.4007% | 952 |
| Equity capital to assets | 9.0572% | 5,182 |
| Core capital (leverage) ratio | 7.8515% | 5,992 |
| Tier 1 risk-based capital ratio | 11.1622% | 5,637 |
| Total risk-based capital ratio | 12.0363% | 5,747 |
| Memoranda: |
| Average total assets | $187,454,330 | 3,135 |
| Average earning assets | $175,135,330 | 3,094 |
| Average equity | $16,768,330 | 3,601 |
| Average total loans | $132,233,000 | 2,870 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9186% | 3,522 |
| Cost of funding earning assets | 0.3983% | 3,323 |
| Net interest margin | 3.5203% | 3,344 |
| Noninterest income to average assets | 0.4714% | 3,498 |
| Noninterest expense to average assets | 1.8428% | 5,834 |
| Loan and lease loss provision to assets | 0.0171% | 3,501 |
| Net operating income to assets | 1.7969% | 484 |
| Return on assets (ROA) | 1.8172% | 494 |
| Pretax return on assets | 1.9132% | 700 |
| Return on Equity (ROE) | 20.4421% | 252 |
| Retained earnings to average equity (ytd only) | 1.2476% | 4,990 |
| Net charge-offs to loans | -0.0272% | 5,191 |
| Credit loss provision to net charge-offs | -88.8889% | 4,474 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1188% | 5,969 |
| Assets per employee ($millions) | 6.1079% | 1,325 |
| Cash dividends to net income (ytd only)* | 93.8967% | 767 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9562% | 5,224 |
| Loan loss allowance to noncurrent loans | 777.7778% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.1135% | 5,498 |
| Noncurrent loans to loans | 0.1229% | 5,333 |
| Net loans and leases to total assets | 68.9312% | 2,298 |
| Net loans and leases to deposits | 76.8751% | 2,947 |
| Net loans and leases to core deposits | 79.5918% | 3,215 |
| Total domestic deposits to total assets | 89.6664% | 922 |
| Equity capital to assets | 8.8252% | 5,477 |
| Core capital (leverage) ratio | 8.5883% | 5,433 |
| Tier 1 risk-based capital ratio | 10.9513% | 5,829 |
| Total risk-based capital ratio | 11.8197% | 5,922 |
| Memoranda: |
| Average total assets | $187,543,000 | 3,149 |
| Average earning assets | $174,757,500 | 3,115 |
| Average equity | $16,671,500 | 3,632 |
| Average total loans | $132,372,500 | 2,877 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8891% | 4,162 |
| Cost of funding earning assets | 0.4339% | 3,347 |
| Net interest margin | 3.4553% | 3,958 |
| Noninterest income to average assets | 0.4500% | 3,826 |
| Noninterest expense to average assets | 1.8868% | 5,954 |
| Loan and lease loss provision to assets | 0.0545% | 3,463 |
| Net operating income to assets | 1.6543% | 631 |
| Return on assets (ROA) | 1.6740% | 633 |
| Pretax return on assets | 1.7613% | 864 |
| Return on Equity (ROE) | 19.0569% | 311 |
| Retained earnings to average equity (ytd only) | 5.5513% | 2,228 |
| Net charge-offs to loans | 0.1125% | 2,906 |
| Credit loss provision to net charge-offs | 70.4225% | 3,069 |
| Earnings coverage of net charge-offs (x) | 23.1761% | 1,599 |
| Efficiency ratio | 51.2444% | 6,029 |
| Assets per employee ($millions) | 6.1914% | 1,253 |
| Cash dividends to net income (ytd only)* | 70.8700% | 1,257 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9348% | 5,352 |
| Loan loss allowance to noncurrent loans | 2,644.6809% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0253% | 5,944 |
| Noncurrent loans to loans | 0.0353% | 5,747 |
| Net loans and leases to total assets | 70.9183% | 2,091 |
| Net loans and leases to deposits | 79.6745% | 2,764 |
| Net loans and leases to core deposits | 82.4306% | 3,058 |
| Total domestic deposits to total assets | 89.0100% | 1,227 |
| Equity capital to assets | 8.9549% | 5,338 |
| Core capital (leverage) ratio | 8.5743% | 5,474 |
| Tier 1 risk-based capital ratio | 10.8885% | 5,951 |
| Total risk-based capital ratio | 11.7431% | 6,044 |
| Memoranda: |
| Average total assets | $183,329,800 | 3,171 |
| Average earning assets | $171,477,400 | 3,139 |
| Average equity | $16,104,400 | 3,649 |
| Average total loans | $126,250,400 | 2,937 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8560% | 4,345 |
| Cost of funding earning assets | 0.4346% | 3,423 |
| Net interest margin | 3.4214% | 4,140 |
| Noninterest income to average assets | 0.4597% | 3,827 |
| Noninterest expense to average assets | 1.8643% | 6,000 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.7121% | 601 |
| Return on assets (ROA) | 1.7315% | 596 |
| Pretax return on assets | 1.8213% | 851 |
| Return on Equity (ROE) | 19.8089% | 297 |
| Retained earnings to average equity (ytd only) | 6.4527% | 2,130 |
| Net charge-offs to loans | 0.1648% | 2,148 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 16.0258% | 2,010 |
| Efficiency ratio | 50.8660% | 6,059 |
| Assets per employee ($millions) | 6.0721% | 1,282 |
| Cash dividends to net income (ytd only)* | 67.4252% | 1,115 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8948% | 5,620 |
| Loan loss allowance to noncurrent loans | 2,406.3830% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.0258% | 6,069 |
| Noncurrent loans to loans | 0.0372% | 5,874 |
| Net loans and leases to total assets | 68.7670% | 2,422 |
| Net loans and leases to deposits | 76.8978% | 3,080 |
| Net loans and leases to core deposits | 79.6166% | 3,359 |
| Total domestic deposits to total assets | 89.4265% | 1,014 |
| Equity capital to assets | 8.9436% | 5,414 |
| Core capital (leverage) ratio | 8.5762% | 5,573 |
| Tier 1 risk-based capital ratio | 11.3982% | 5,839 |
| Total risk-based capital ratio | 12.2185% | 5,955 |
| Memoranda: |
| Average total assets | $182,726,750 | 3,207 |
| Average earning assets | $171,193,750 | 3,167 |
| Average equity | $15,972,250 | 3,689 |
| Average total loans | $124,571,000 | 2,981 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8131% | 4,477 |
| Cost of funding earning assets | 0.4455% | 3,380 |
| Net interest margin | 3.3676% | 4,324 |
| Noninterest income to average assets | 0.4549% | 3,832 |
| Noninterest expense to average assets | 1.8807% | 6,029 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.6379% | 655 |
| Return on assets (ROA) | 1.6379% | 685 |
| Pretax return on assets | 1.7232% | 971 |
| Return on Equity (ROE) | 18.8835% | 369 |
| Retained earnings to average equity (ytd only) | 8.7989% | 1,051 |
| Net charge-offs to loans | 0.2356% | 1,629 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 10.7945% | 2,212 |
| Efficiency ratio | 52.1845% | 6,050 |
| Assets per employee ($millions) | 6.2238% | 1,156 |
| Cash dividends to net income (ytd only)* | 53.4045% | 1,783 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9088% | 5,697 |
| Loan loss allowance to noncurrent loans | 2,423.4043% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.0541% | 6,023 |
| Noncurrent loans to loans | 0.0375% | 5,944 |
| Net loans and leases to total assets | 66.5156% | 2,669 |
| Net loans and leases to deposits | 74.0683% | 3,306 |
| Net loans and leases to core deposits | 77.3264% | 3,506 |
| Total domestic deposits to total assets | 89.8031% | 905 |
| Equity capital to assets | 8.6860% | 5,624 |
| Core capital (leverage) ratio | 8.2747% | 5,866 |
| Tier 1 risk-based capital ratio | 11.3317% | 5,886 |
| Total risk-based capital ratio | 12.1569% | 6,035 |
| Memoranda: |
| Average total assets | $182,914,670 | 3,220 |
| Average earning assets | $171,041,670 | 3,190 |
| Average equity | $15,865,670 | 3,714 |
| Average total loans | $123,961,670 | 2,991 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8292% | 4,364 |
| Cost of funding earning assets | 0.4787% | 3,125 |
| Net interest margin | 3.3506% | 4,334 |
| Noninterest income to average assets | 0.4685% | 3,644 |
| Noninterest expense to average assets | 1.8474% | 6,149 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.6463% | 621 |
| Return on assets (ROA) | 1.6463% | 648 |
| Pretax return on assets | 1.7302% | 916 |
| Return on Equity (ROE) | 18.9936% | 362 |
| Retained earnings to average equity (ytd only) | 8.7957% | 1,313 |
| Net charge-offs to loans | -0.0227% | 5,411 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6368% | 6,155 |
| Assets per employee ($millions) | 6.3960% | 1,059 |
| Cash dividends to net income (ytd only)* | 53.6913% | 1,586 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0408% | 5,347 |
| Loan loss allowance to noncurrent loans | 514.7410% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.1607% | 5,759 |
| Noncurrent loans to loans | 0.2022% | 5,485 |
| Net loans and leases to total assets | 66.2300% | 2,531 |
| Net loans and leases to deposits | 73.6346% | 3,109 |
| Net loans and leases to core deposits | 76.8835% | 3,319 |
| Total domestic deposits to total assets | 89.9441% | 1,099 |
| Equity capital to assets | 8.5668% | 5,581 |
| Core capital (leverage) ratio | 8.5171% | 5,618 |
| Tier 1 risk-based capital ratio | 11.0799% | 6,121 |
| Total risk-based capital ratio | 12.0164% | 6,213 |
| Memoranda: |
| Average total assets | $181,015,000 | 3,264 |
| Average earning assets | $167,971,500 | 3,242 |
| Average equity | $15,689,500 | 3,751 |
| Average total loans | $123,276,000 | 3,003 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9038% | 4,449 |
| Cost of funding earning assets | 0.5234% | 3,366 |
| Net interest margin | 3.3804% | 4,362 |
| Noninterest income to average assets | 0.5554% | 3,367 |
| Noninterest expense to average assets | 1.9705% | 6,076 |
| Loan and lease loss provision to assets | 0.0774% | 3,560 |
| Net operating income to assets | 1.5930% | 701 |
| Return on assets (ROA) | 1.6295% | 672 |
| Pretax return on assets | 1.7148% | 918 |
| Return on Equity (ROE) | 18.7940% | 355 |
| Retained earnings to average equity (ytd only) | 5.2422% | 2,455 |
| Net charge-offs to loans | -0.1144% | 6,505 |
| Credit loss provision to net charge-offs | -100.7463% | 5,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9086% | 6,219 |
| Assets per employee ($millions) | 6.0878% | 1,214 |
| Cash dividends to net income (ytd only)* | 72.1069% | 1,235 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0497% | 5,347 |
| Loan loss allowance to noncurrent loans | 505.9055% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.2436% | 5,538 |
| Noncurrent loans to loans | 0.2075% | 5,564 |
| Net loans and leases to total assets | 68.6104% | 2,236 |
| Net loans and leases to deposits | 79.4018% | 2,536 |
| Net loans and leases to core deposits | 83.8251% | 2,694 |
| Total domestic deposits to total assets | 86.4092% | 3,036 |
| Equity capital to assets | 8.7734% | 5,284 |
| Core capital (leverage) ratio | 8.7936% | 5,292 |
| Tier 1 risk-based capital ratio | 11.0787% | 6,131 |
| Total risk-based capital ratio | 12.0316% | 6,220 |
| Memoranda: |
| Average total assets | $174,476,000 | 3,337 |
| Average earning assets | $163,560,600 | 3,295 |
| Average equity | $15,127,200 | 3,840 |
| Average total loans | $117,164,800 | 3,102 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8808% | 4,574 |
| Cost of funding earning assets | 0.5344% | 3,425 |
| Net interest margin | 3.3464% | 4,476 |
| Noninterest income to average assets | 0.6032% | 3,131 |
| Noninterest expense to average assets | 2.0127% | 5,987 |
| Loan and lease loss provision to assets | 0.1035% | 3,036 |
| Net operating income to assets | 1.5585% | 813 |
| Return on assets (ROA) | 1.6072% | 784 |
| Pretax return on assets | 1.6915% | 1,112 |
| Return on Equity (ROE) | 18.5940% | 399 |
| Retained earnings to average equity (ytd only) | 4.4069% | 3,536 |
| Net charge-offs to loans | 0.0092% | 4,963 |
| Credit loss provision to net charge-offs | 1,687.5000% | 194 |
| Earnings coverage of net charge-offs (x) | 284.2793% | 213 |
| Efficiency ratio | 53.5809% | 6,137 |
| Assets per employee ($millions) | 5.9079% | 1,306 |
| Cash dividends to net income (ytd only)* | 76.2995% | 892 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0004% | 5,715 |
| Loan loss allowance to noncurrent loans | 343.2432% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.3134% | 5,472 |
| Noncurrent loans to loans | 0.2915% | 5,503 |
| Net loans and leases to total assets | 66.0205% | 2,632 |
| Net loans and leases to deposits | 73.7926% | 3,261 |
| Net loans and leases to core deposits | 75.5537% | 3,665 |
| Total domestic deposits to total assets | 89.4677% | 1,321 |
| Equity capital to assets | 8.8449% | 5,368 |
| Core capital (leverage) ratio | 8.7191% | 5,505 |
| Tier 1 risk-based capital ratio | 11.6724% | 5,965 |
| Total risk-based capital ratio | 12.5834% | 6,103 |
| Memoranda: |
| Average total assets | $173,958,500 | 3,375 |
| Average earning assets | $163,915,750 | 3,320 |
| Average equity | $15,036,750 | 3,907 |
| Average total loans | $115,852,500 | 3,148 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8580% | 4,630 |
| Cost of funding earning assets | 0.5498% | 3,419 |
| Net interest margin | 3.3083% | 4,545 |
| Noninterest income to average assets | 0.5777% | 3,336 |
| Noninterest expense to average assets | 1.9779% | 6,085 |
| Loan and lease loss provision to assets | 0.1030% | 3,078 |
| Net operating income to assets | 1.5413% | 831 |
| Return on assets (ROA) | 1.6141% | 804 |
| Pretax return on assets | 1.6987% | 1,118 |
| Return on Equity (ROE) | 18.8163% | 400 |
| Retained earnings to average equity (ytd only) | 2.1470% | 4,910 |
| Net charge-offs to loans | -0.0155% | 5,885 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4137% | 6,188 |
| Assets per employee ($millions) | 5.8902% | 1,283 |
| Cash dividends to net income (ytd only)* | 88.5897% | 712 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9463% | 6,004 |
| Loan loss allowance to noncurrent loans | 227.0876% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.3038% | 5,565 |
| Noncurrent loans to loans | 0.4167% | 5,215 |
| Net loans and leases to total assets | 68.3240% | 2,179 |
| Net loans and leases to deposits | 78.0913% | 2,560 |
| Net loans and leases to core deposits | 80.8296% | 2,932 |
| Total domestic deposits to total assets | 87.4925% | 2,540 |
| Equity capital to assets | 8.7374% | 5,504 |
| Core capital (leverage) ratio | 8.1133% | 6,094 |
| Tier 1 risk-based capital ratio | 11.2783% | 6,216 |
| Total risk-based capital ratio | 12.1571% | 6,345 |
| Memoranda: |
| Average total assets | $174,834,670 | 3,376 |
| Average earning assets | $165,161,670 | 3,325 |
| Average equity | $14,997,670 | 3,947 |
| Average total loans | $116,384,670 | 3,137 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7998% | 4,826 |
| Cost of funding earning assets | 0.5634% | 3,447 |
| Net interest margin | 3.2364% | 4,772 |
| Noninterest income to average assets | 0.5067% | 3,730 |
| Noninterest expense to average assets | 1.9905% | 6,123 |
| Loan and lease loss provision to assets | 0.1018% | 2,980 |
| Net operating income to assets | 1.3956% | 1,035 |
| Return on assets (ROA) | 1.3956% | 1,121 |
| Pretax return on assets | 1.4680% | 1,657 |
| Return on Equity (ROE) | 16.4161% | 565 |
| Retained earnings to average equity (ytd only) | -7.5296% | 6,499 |
| Net charge-offs to loans | 0.1072% | 2,803 |
| Credit loss provision to net charge-offs | 145.1613% | 1,397 |
| Earnings coverage of net charge-offs (x) | 22.3871% | 1,138 |
| Efficiency ratio | 55.9085% | 6,070 |
| Assets per employee ($millions) | 6.7418% | 871 |
| Cash dividends to net income (ytd only)* | 145.8671% | 367 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9033% | 6,253 |
| Loan loss allowance to noncurrent loans | 602.3392% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.3060% | 5,657 |
| Noncurrent loans to loans | 0.1500% | 6,016 |
| Net loans and leases to total assets | 62.0764% | 3,047 |
| Net loans and leases to deposits | 68.7179% | 3,675 |
| Net loans and leases to core deposits | 71.4836% | 3,885 |
| Total domestic deposits to total assets | 90.3351% | 863 |
| Equity capital to assets | 8.1493% | 6,298 |
| Core capital (leverage) ratio | 7.9349% | 6,196 |
| Tier 1 risk-based capital ratio | 11.0787% | 6,374 |
| Total risk-based capital ratio | 11.9025% | 6,504 |
| Memoranda: |
| Average total assets | $176,843,500 | 3,390 |
| Average earning assets | $166,850,500 | 3,327 |
| Average equity | $15,034,000 | 3,990 |
| Average total loans | $115,665,000 | 3,168 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2602% | 4,365 |
| Cost of funding earning assets | 0.6425% | 3,984 |
| Net interest margin | 3.6177% | 4,011 |
| Noninterest income to average assets | 0.6560% | 2,962 |
| Noninterest expense to average assets | 2.0297% | 6,275 |
| Loan and lease loss provision to assets | 0.1185% | 4,143 |
| Net operating income to assets | 1.8326% | 487 |
| Return on assets (ROA) | 2.0098% | 383 |
| Pretax return on assets | 2.0840% | 505 |
| Return on Equity (ROE) | 22.3500% | 203 |
| Retained earnings to average equity (ytd only) | 11.4281% | 388 |
| Net charge-offs to loans | 0.0796% | 4,879 |
| Credit loss provision to net charge-offs | 226.1905% | 1,102 |
| Earnings coverage of net charge-offs (x) | 38.5238% | 834 |
| Efficiency ratio | 50.1464% | 6,582 |
| Assets per employee ($millions) | 6.1306% | 1,202 |
| Cash dividends to net income (ytd only)* | 48.8675% | 2,367 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8661% | 6,356 |
| Loan loss allowance to noncurrent loans | 257.8680% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.4375% | 5,397 |
| Noncurrent loans to loans | 0.3359% | 5,644 |
| Net loans and leases to total assets | 67.7434% | 2,229 |
| Net loans and leases to deposits | 75.6486% | 2,860 |
| Net loans and leases to core deposits | 78.5283% | 3,194 |
| Total domestic deposits to total assets | 89.5502% | 1,218 |
| Equity capital to assets | 8.8746% | 5,656 |
| Core capital (leverage) ratio | 8.5361% | 5,561 |
| Tier 1 risk-based capital ratio | 10.9980% | 6,346 |
| Total risk-based capital ratio | 11.7877% | 6,510 |
| Memoranda: |
| Average total assets | $160,366,200 | 3,620 |
| Average earning assets | $150,344,000 | 3,544 |
| Average equity | $14,420,600 | 4,083 |
| Average total loans | $105,574,800 | 3,382 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3366% | 4,305 |
| Cost of funding earning assets | 0.6553% | 4,150 |
| Net interest margin | 3.6813% | 3,875 |
| Noninterest income to average assets | 0.6542% | 2,972 |
| Noninterest expense to average assets | 2.1192% | 6,126 |
| Loan and lease loss provision to assets | 0.1354% | 3,852 |
| Net operating income to assets | 1.7559% | 624 |
| Return on assets (ROA) | 1.9939% | 436 |
| Pretax return on assets | 2.0971% | 577 |
| Return on Equity (ROE) | 22.0946% | 232 |
| Retained earnings to average equity (ytd only) | 12.2477% | 492 |
| Net charge-offs to loans | -0.0442% | 6,671 |
| Credit loss provision to net charge-offs | -470.5882% | 6,436 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6715% | 6,477 |
| Assets per employee ($millions) | 5.7728% | 1,400 |
| Cash dividends to net income (ytd only)* | 44.5673% | 1,953 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0445% | 5,915 |
| Loan loss allowance to noncurrent loans | 221.4429% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.5345% | 5,344 |
| Noncurrent loans to loans | 0.4717% | 5,510 |
| Net loans and leases to total assets | 64.7667% | 2,884 |
| Net loans and leases to deposits | 72.7797% | 3,479 |
| Net loans and leases to core deposits | 75.6994% | 3,762 |
| Total domestic deposits to total assets | 88.9901% | 1,432 |
| Equity capital to assets | 9.1854% | 5,611 |
| Core capital (leverage) ratio | 8.6444% | 5,561 |
| Tier 1 risk-based capital ratio | 11.8682% | 6,016 |
| Total risk-based capital ratio | 12.8179% | 6,166 |
| Memoranda: |
| Average total assets | $157,543,250 | 3,696 |
| Average earning assets | $147,517,250 | 3,634 |
| Average equity | $14,217,250 | 4,158 |
| Average total loans | $102,642,750 | 3,492 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3857% | 4,237 |
| Cost of funding earning assets | 0.6667% | 4,305 |
| Net interest margin | 3.7190% | 3,731 |
| Noninterest income to average assets | 0.6083% | 3,207 |
| Noninterest expense to average assets | 2.0899% | 6,249 |
| Loan and lease loss provision to assets | 0.1537% | 3,598 |
| Net operating income to assets | 1.7580% | 605 |
| Return on assets (ROA) | 2.1181% | 368 |
| Pretax return on assets | 2.2295% | 465 |
| Return on Equity (ROE) | 23.6162% | 191 |
| Retained earnings to average equity (ytd only) | 13.6214% | 376 |
| Net charge-offs to loans | -0.0551% | 6,689 |
| Credit loss provision to net charge-offs | -428.5714% | 6,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0479% | 6,578 |
| Assets per employee ($millions) | 5.6237% | 1,500 |
| Cash dividends to net income (ytd only)* | 42.3216% | 2,070 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0364% | 6,015 |
| Loan loss allowance to noncurrent loans | 352.6667% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.4287% | 5,707 |
| Noncurrent loans to loans | 0.2939% | 5,975 |
| Net loans and leases to total assets | 64.1611% | 2,999 |
| Net loans and leases to deposits | 72.1380% | 3,592 |
| Net loans and leases to core deposits | 74.4889% | 3,956 |
| Total domestic deposits to total assets | 88.9422% | 1,544 |
| Equity capital to assets | 9.1818% | 5,479 |
| Core capital (leverage) ratio | 8.5746% | 5,552 |
| Tier 1 risk-based capital ratio | 11.8907% | 5,999 |
| Total risk-based capital ratio | 12.8257% | 6,158 |
| Memoranda: |
| Average total assets | $156,178,670 | 3,736 |
| Average earning assets | $146,383,670 | 3,670 |
| Average equity | $14,007,330 | 4,192 |
| Average total loans | $101,593,000 | 3,528 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4563% | 4,086 |
| Cost of funding earning assets | 0.6645% | 4,587 |
| Net interest margin | 3.7919% | 3,427 |
| Noninterest income to average assets | 0.6146% | 3,140 |
| Noninterest expense to average assets | 2.0754% | 6,322 |
| Loan and lease loss provision to assets | 0.1543% | 3,447 |
| Net operating income to assets | 1.8378% | 559 |
| Return on assets (ROA) | 2.2580% | 308 |
| Pretax return on assets | 2.3789% | 406 |
| Return on Equity (ROE) | 25.4825% | 173 |
| Retained earnings to average equity (ytd only) | 15.3243% | 427 |
| Net charge-offs to loans | -0.0158% | 6,102 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8148% | 6,682 |
| Assets per employee ($millions) | 5.6447% | 1,574 |
| Cash dividends to net income (ytd only)* | 39.8633% | 1,763 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9841% | 6,309 |
| Loan loss allowance to noncurrent loans | 6,957.1429% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.3828% | 5,921 |
| Noncurrent loans to loans | 0.0141% | 6,750 |
| Net loans and leases to total assets | 62.0074% | 3,256 |
| Net loans and leases to deposits | 69.3789% | 3,821 |
| Net loans and leases to core deposits | 71.3400% | 4,248 |
| Total domestic deposits to total assets | 89.3750% | 1,440 |
| Equity capital to assets | 8.8806% | 5,657 |
| Core capital (leverage) ratio | 8.5737% | 5,474 |
| Tier 1 risk-based capital ratio | 11.9355% | 6,003 |
| Total risk-based capital ratio | 12.8286% | 6,215 |
| Memoranda: |
| Average total assets | $155,536,500 | 3,770 |
| Average earning assets | $145,680,500 | 3,704 |
| Average equity | $13,782,000 | 4,240 |
| Average total loans | $101,345,500 | 3,559 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5963% | 4,691 |
| Cost of funding earning assets | 0.7286% | 5,350 |
| Net interest margin | 3.8677% | 3,479 |
| Noninterest income to average assets | 0.6703% | 2,782 |
| Noninterest expense to average assets | 2.2689% | 6,120 |
| Loan and lease loss provision to assets | 0.1032% | 5,296 |
| Net operating income to assets | 1.8475% | 427 |
| Return on assets (ROA) | 1.9750% | 344 |
| Pretax return on assets | 2.0425% | 486 |
| Return on Equity (ROE) | 23.4179% | 149 |
| Retained earnings to average equity (ytd only) | 13.6264% | 189 |
| Net charge-offs to loans | 0.2125% | 4,457 |
| Credit loss provision to net charge-offs | 74.6269% | 4,684 |
| Earnings coverage of net charge-offs (x) | 14.5622% | 1,449 |
| Efficiency ratio | 52.9724% | 6,618 |
| Assets per employee ($millions) | 5.4650% | 1,677 |
| Cash dividends to net income (ytd only)* | 41.8118% | 2,480 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8774% | 6,585 |
| Loan loss allowance to noncurrent loans | 190.7757% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.6979% | 5,246 |
| Noncurrent loans to loans | 0.4599% | 5,790 |
| Net loans and leases to total assets | 67.1823% | 2,543 |
| Net loans and leases to deposits | 79.5941% | 2,597 |
| Net loans and leases to core deposits | 82.4125% | 3,120 |
| Total domestic deposits to total assets | 84.4061% | 4,134 |
| Equity capital to assets | 8.8406% | 5,747 |
| Core capital (leverage) ratio | 8.2898% | 5,867 |
| Tier 1 risk-based capital ratio | 11.0879% | 6,408 |
| Total risk-based capital ratio | 11.8950% | 6,603 |
| Memoranda: |
| Average total assets | $145,315,400 | 3,883 |
| Average earning assets | $135,739,600 | 3,823 |
| Average equity | $12,255,600 | 4,491 |
| Average total loans | $94,596,000 | 3,753 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6399% | 4,709 |
| Cost of funding earning assets | 0.7402% | 5,523 |
| Net interest margin | 3.8998% | 3,382 |
| Noninterest income to average assets | 0.6760% | 2,734 |
| Noninterest expense to average assets | 2.3209% | 5,976 |
| Loan and lease loss provision to assets | 0.0697% | 5,583 |
| Net operating income to assets | 1.8333% | 486 |
| Return on assets (ROA) | 2.0029% | 368 |
| Pretax return on assets | 2.1089% | 510 |
| Return on Equity (ROE) | 24.0581% | 163 |
| Retained earnings to average equity (ytd only) | 15.6813% | 197 |
| Net charge-offs to loans | 0.2296% | 3,999 |
| Credit loss provision to net charge-offs | 47.1698% | 5,096 |
| Earnings coverage of net charge-offs (x) | 13.5286% | 1,607 |
| Efficiency ratio | 53.7121% | 6,520 |
| Assets per employee ($millions) | 5.2744% | 1,845 |
| Cash dividends to net income (ytd only)* | 34.8191% | 2,268 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9237% | 6,525 |
| Loan loss allowance to noncurrent loans | 76.0624% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 0.8925% | 4,952 |
| Noncurrent loans to loans | 1.2144% | 4,519 |
| Net loans and leases to total assets | 63.6966% | 3,367 |
| Net loans and leases to deposits | 72.4176% | 3,914 |
| Net loans and leases to core deposits | 74.6550% | 4,358 |
| Total domestic deposits to total assets | 87.9573% | 2,055 |
| Equity capital to assets | 8.9272% | 5,838 |
| Core capital (leverage) ratio | 8.4208% | 5,824 |
| Tier 1 risk-based capital ratio | 11.8927% | 5,968 |
| Total risk-based capital ratio | 12.7451% | 6,239 |
| Memoranda: |
| Average total assets | $143,389,000 | 3,936 |
| Average earning assets | $134,021,500 | 3,881 |
| Average equity | $11,937,500 | 4,584 |
| Average total loans | $92,316,750 | 3,841 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5613% | 5,132 |
| Cost of funding earning assets | 0.7527% | 5,653 |
| Net interest margin | 3.8086% | 3,738 |
| Noninterest income to average assets | 0.6509% | 2,830 |
| Noninterest expense to average assets | 2.3007% | 6,128 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.8198% | 482 |
| Return on assets (ROA) | 2.0527% | 325 |
| Pretax return on assets | 2.1598% | 438 |
| Return on Equity (ROE) | 25.2907% | 127 |
| Retained earnings to average equity (ytd only) | 16.6117% | 175 |
| Net charge-offs to loans | -0.0109% | 6,700 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5789% | 6,563 |
| Assets per employee ($millions) | 5.2379% | 1,834 |
| Cash dividends to net income (ytd only)* | 34.3171% | 2,307 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0653% | 6,078 |
| Loan loss allowance to noncurrent loans | 47.7981% | 5,144 |
| Noncurrent assets plus other real estate owned to assets | 1.4857% | 3,976 |
| Noncurrent loans to loans | 2.2287% | 3,190 |
| Net loans and leases to total assets | 61.1713% | 4,055 |
| Net loans and leases to deposits | 69.8486% | 4,461 |
| Net loans and leases to core deposits | 71.7336% | 4,847 |
| Total domestic deposits to total assets | 87.5769% | 2,426 |
| Equity capital to assets | 8.3914% | 6,317 |
| Core capital (leverage) ratio | 8.1248% | 6,128 |
| Tier 1 risk-based capital ratio | 11.7584% | 5,965 |
| Total risk-based capital ratio | 12.7219% | 6,176 |
| Memoranda: |
| Average total assets | $141,957,670 | 3,994 |
| Average earning assets | $132,858,000 | 3,927 |
| Average equity | $11,522,000 | 4,682 |
| Average total loans | $91,440,330 | 3,906 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5765% | 5,045 |
| Cost of funding earning assets | 0.7643% | 5,777 |
| Net interest margin | 3.8122% | 3,554 |
| Noninterest income to average assets | 1.1232% | 1,038 |
| Noninterest expense to average assets | 2.3695% | 5,986 |
| Loan and lease loss provision to assets | 0.2149% | 3,499 |
| Net operating income to assets | 1.9913% | 353 |
| Return on assets (ROA) | 1.9913% | 367 |
| Pretax return on assets | 2.0973% | 473 |
| Return on Equity (ROE) | 24.9787% | 167 |
| Retained earnings to average equity (ytd only) | 15.9935% | 321 |
| Net charge-offs to loans | -0.3572% | 7,368 |
| Credit loss provision to net charge-offs | -91.4634% | 5,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6120% | 6,947 |
| Assets per employee ($millions) | 5.1848% | 1,916 |
| Cash dividends to net income (ytd only)* | 35.9712% | 1,847 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2462% | 5,419 |
| Loan loss allowance to noncurrent loans | 84.9544% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 1.4934% | 4,015 |
| Noncurrent loans to loans | 1.4669% | 4,267 |
| Net loans and leases to total assets | 61.0277% | 4,073 |
| Net loans and leases to deposits | 67.6003% | 4,728 |
| Net loans and leases to core deposits | 68.4490% | 5,237 |
| Total domestic deposits to total assets | 90.2773% | 972 |
| Equity capital to assets | 7.9222% | 6,574 |
| Core capital (leverage) ratio | 8.2578% | 5,888 |
| Tier 1 risk-based capital ratio | 11.2663% | 6,292 |
| Total risk-based capital ratio | 12.3832% | 6,380 |
| Memoranda: |
| Average total assets | $139,605,500 | 4,071 |
| Average earning assets | $130,319,000 | 4,022 |
| Average equity | $11,129,500 | 4,765 |
| Average total loans | $91,820,000 | 3,935 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8906% | 5,079 |
| Cost of funding earning assets | 1.1091% | 5,091 |
| Net interest margin | 3.7815% | 4,020 |
| Noninterest income to average assets | 0.7869% | 2,346 |
| Noninterest expense to average assets | 2.3637% | 6,188 |
| Loan and lease loss provision to assets | 0.6675% | 2,478 |
| Net operating income to assets | 1.1946% | 1,426 |
| Return on assets (ROA) | 1.3179% | 1,199 |
| Pretax return on assets | 1.3877% | 1,694 |
| Return on Equity (ROE) | 16.4662% | 532 |
| Retained earnings to average equity (ytd only) | 9.5165% | 602 |
| Net charge-offs to loans | 0.9126% | 2,363 |
| Credit loss provision to net charge-offs | 111.5242% | 3,932 |
| Earnings coverage of net charge-offs (x) | 3.2169% | 3,468 |
| Efficiency ratio | 55.1098% | 6,700 |
| Assets per employee ($millions) | 4.7870% | 2,435 |
| Cash dividends to net income (ytd only)* | 42.2060% | 2,485 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0232% | 6,272 |
| Loan loss allowance to noncurrent loans | 54.7267% | 4,736 |
| Noncurrent assets plus other real estate owned to assets | 1.4235% | 4,212 |
| Noncurrent loans to loans | 1.8696% | 3,725 |
| Net loans and leases to total assets | 69.3575% | 2,695 |
| Net loans and leases to deposits | 78.8820% | 3,359 |
| Net loans and leases to core deposits | 79.8132% | 4,240 |
| Total domestic deposits to total assets | 87.9256% | 2,295 |
| Equity capital to assets | 8.0262% | 6,474 |
| Core capital (leverage) ratio | 8.1276% | 5,949 |
| Tier 1 risk-based capital ratio | 10.8591% | 6,440 |
| Total risk-based capital ratio | 11.8226% | 6,627 |
| Memoranda: |
| Average total assets | $134,831,000 | 4,160 |
| Average earning assets | $124,871,400 | 4,135 |
| Average equity | $10,791,800 | 4,911 |
| Average total loans | $88,425,800 | 4,094 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8670% | 5,407 |
| Cost of funding earning assets | 1.1556% | 5,114 |
| Net interest margin | 3.7114% | 4,349 |
| Noninterest income to average assets | 0.7623% | 2,437 |
| Noninterest expense to average assets | 2.3451% | 6,189 |
| Loan and lease loss provision to assets | 0.8146% | 1,857 |
| Net operating income to assets | 0.9822% | 2,297 |
| Return on assets (ROA) | 1.0901% | 2,032 |
| Pretax return on assets | 1.1474% | 2,676 |
| Return on Equity (ROE) | 13.6289% | 1,115 |
| Retained earnings to average equity (ytd only) | 7.7651% | 1,499 |
| Net charge-offs to loans | 1.2789% | 1,594 |
| Credit loss provision to net charge-offs | 98.8024% | 4,414 |
| Earnings coverage of net charge-offs (x) | 2.2419% | 4,052 |
| Efficiency ratio | 55.9218% | 6,566 |
| Assets per employee ($millions) | 4.7400% | 2,539 |
| Cash dividends to net income (ytd only)* | 43.0256% | 1,947 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9533% | 6,559 |
| Loan loss allowance to noncurrent loans | 51.6556% | 4,855 |
| Noncurrent assets plus other real estate owned to assets | 1.2515% | 4,646 |
| Noncurrent loans to loans | 1.8455% | 3,871 |
| Net loans and leases to total assets | 67.1692% | 3,417 |
| Net loans and leases to deposits | 77.0515% | 4,001 |
| Net loans and leases to core deposits | 77.7877% | 4,827 |
| Total domestic deposits to total assets | 87.1745% | 2,431 |
| Equity capital to assets | 8.5172% | 6,259 |
| Core capital (leverage) ratio | 7.9070% | 6,456 |
| Tier 1 risk-based capital ratio | 10.6538% | 6,672 |
| Total risk-based capital ratio | 11.5299% | 6,901 |
| Memoranda: |
| Average total assets | $135,029,750 | 4,210 |
| Average earning assets | $124,838,500 | 4,191 |
| Average equity | $10,800,250 | 4,972 |
| Average total loans | $87,051,000 | 4,194 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8828% | 5,473 |
| Cost of funding earning assets | 1.2040% | 5,109 |
| Net interest margin | 3.6788% | 4,457 |
| Noninterest income to average assets | 0.7570% | 2,345 |
| Noninterest expense to average assets | 2.3181% | 6,308 |
| Loan and lease loss provision to assets | 0.2209% | 4,686 |
| Net operating income to assets | 1.5361% | 833 |
| Return on assets (ROA) | 1.5361% | 893 |
| Pretax return on assets | 1.6156% | 1,262 |
| Return on Equity (ROE) | 19.6194% | 351 |
| Retained earnings to average equity (ytd only) | 13.0357% | 376 |
| Net charge-offs to loans | 0.0209% | 6,047 |
| Credit loss provision to net charge-offs | 1,666.6667% | 241 |
| Earnings coverage of net charge-offs (x) | 138.5556% | 246 |
| Efficiency ratio | 55.7958% | 6,663 |
| Assets per employee ($millions) | 4.9000% | 2,303 |
| Cash dividends to net income (ytd only)* | 33.5570% | 2,374 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1325% | 5,783 |
| Loan loss allowance to noncurrent loans | 42.3061% | 5,507 |
| Noncurrent assets plus other real estate owned to assets | 1.7383% | 3,837 |
| Noncurrent loans to loans | 2.6770% | 2,969 |
| Net loans and leases to total assets | 64.2007% | 4,219 |
| Net loans and leases to deposits | 73.4290% | 4,766 |
| Net loans and leases to core deposits | 76.2328% | 5,167 |
| Total domestic deposits to total assets | 87.4323% | 2,300 |
| Equity capital to assets | 8.0349% | 6,721 |
| Core capital (leverage) ratio | 7.7104% | 6,597 |
| Tier 1 risk-based capital ratio | 10.7996% | 6,449 |
| Total risk-based capital ratio | 11.8374% | 6,616 |
| Memoranda: |
| Average total assets | $135,799,670 | 4,218 |
| Average earning assets | $125,419,670 | 4,198 |
| Average equity | $10,632,330 | 5,020 |
| Average total loans | $86,066,330 | 4,249 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8728% | 5,597 |
| Cost of funding earning assets | 1.2470% | 5,127 |
| Net interest margin | 3.6257% | 4,597 |
| Noninterest income to average assets | 0.6899% | 2,665 |
| Noninterest expense to average assets | 2.2620% | 6,509 |
| Loan and lease loss provision to assets | 0.2221% | 4,280 |
| Net operating income to assets | 1.4774% | 930 |
| Return on assets (ROA) | 1.4774% | 1,000 |
| Pretax return on assets | 1.5544% | 1,384 |
| Return on Equity (ROE) | 19.1252% | 429 |
| Retained earnings to average equity (ytd only) | 10.5016% | 1,042 |
| Net charge-offs to loans | 0.0142% | 5,387 |
| Credit loss provision to net charge-offs | 2,500.0000% | 202 |
| Earnings coverage of net charge-offs (x) | 200.0000% | 172 |
| Efficiency ratio | 56.0117% | 6,761 |
| Assets per employee ($millions) | 4.9025% | 2,369 |
| Cash dividends to net income (ytd only)* | 45.0902% | 1,610 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0971% | 6,015 |
| Loan loss allowance to noncurrent loans | 55.4900% | 4,630 |
| Noncurrent assets plus other real estate owned to assets | 1.2341% | 4,705 |
| Noncurrent loans to loans | 1.9771% | 3,820 |
| Net loans and leases to total assets | 61.7338% | 4,811 |
| Net loans and leases to deposits | 70.0058% | 5,343 |
| Net loans and leases to core deposits | 73.3697% | 5,564 |
| Total domestic deposits to total assets | 88.1839% | 1,956 |
| Equity capital to assets | 7.7337% | 6,901 |
| Core capital (leverage) ratio | 7.4849% | 6,870 |
| Tier 1 risk-based capital ratio | 10.6430% | 6,500 |
| Total risk-based capital ratio | 11.6355% | 6,726 |
| Memoranda: |
| Average total assets | $135,099,000 | 4,299 |
| Average earning assets | $124,775,500 | 4,264 |
| Average equity | $10,436,500 | 5,121 |
| Average total loans | $84,553,000 | 4,365 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1605% | 5,831 |
| Cost of funding earning assets | 1.6632% | 4,710 |
| Net interest margin | 3.4973% | 4,965 |
| Noninterest income to average assets | 0.8716% | 2,070 |
| Noninterest expense to average assets | 2.3938% | 6,485 |
| Loan and lease loss provision to assets | 0.4202% | 4,305 |
| Net operating income to assets | 1.2061% | 1,230 |
| Return on assets (ROA) | 1.2509% | 1,188 |
| Pretax return on assets | 1.3174% | 1,653 |
| Return on Equity (ROE) | 15.9724% | 561 |
| Retained earnings to average equity (ytd only) | 6.2643% | 1,245 |
| Net charge-offs to loans | 0.5085% | 3,747 |
| Credit loss provision to net charge-offs | 130.5970% | 3,898 |
| Earnings coverage of net charge-offs (x) | 5.2537% | 2,648 |
| Efficiency ratio | 58.6126% | 6,679 |
| Assets per employee ($millions) | 4.7474% | 2,543 |
| Cash dividends to net income (ytd only)* | 60.7806% | 1,961 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0405% | 6,170 |
| Loan loss allowance to noncurrent loans | 54.0810% | 4,744 |
| Noncurrent assets plus other real estate owned to assets | 1.3203% | 4,450 |
| Noncurrent loans to loans | 1.9239% | 3,765 |
| Net loans and leases to total assets | 62.1058% | 4,969 |
| Net loans and leases to deposits | 70.9073% | 5,482 |
| Net loans and leases to core deposits | 80.6124% | 6,026 |
| Total domestic deposits to total assets | 87.5873% | 2,180 |
| Equity capital to assets | 7.7162% | 6,841 |
| Core capital (leverage) ratio | 7.4007% | 6,884 |
| Tier 1 risk-based capital ratio | 10.5195% | 6,377 |
| Total risk-based capital ratio | 11.4507% | 6,655 |
| Memoranda: |
| Average total assets | $124,946,600 | 4,446 |
| Average earning assets | $114,775,600 | 4,430 |
| Average equity | $9,785,600 | 5,356 |
| Average total loans | $79,063,200 | 4,549 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1662% | 6,032 |
| Cost of funding earning assets | 1.7221% | 4,791 |
| Net interest margin | 3.4442% | 5,091 |
| Noninterest income to average assets | 0.8860% | 2,041 |
| Noninterest expense to average assets | 2.4302% | 6,311 |
| Loan and lease loss provision to assets | 0.1627% | 5,725 |
| Net operating income to assets | 1.3869% | 1,057 |
| Return on assets (ROA) | 1.4477% | 983 |
| Pretax return on assets | 1.5214% | 1,355 |
| Return on Equity (ROE) | 18.4113% | 416 |
| Retained earnings to average equity (ytd only) | 9.1022% | 819 |
| Net charge-offs to loans | -0.0017% | 7,587 |
| Credit loss provision to net charge-offs | -15,000.0000% | 7,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0000% | 6,413 |
| Assets per employee ($millions) | 4.8967% | 2,271 |
| Cash dividends to net income (ytd only)* | 50.5618% | 1,977 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1177% | 5,612 |
| Loan loss allowance to noncurrent loans | 45.4822% | 5,281 |
| Noncurrent assets plus other real estate owned to assets | 1.4900% | 4,142 |
| Noncurrent loans to loans | 2.4575% | 3,064 |
| Net loans and leases to total assets | 59.9549% | 5,586 |
| Net loans and leases to deposits | 69.1407% | 6,015 |
| Net loans and leases to core deposits | 78.0702% | 6,480 |
| Total domestic deposits to total assets | 86.7144% | 2,320 |
| Equity capital to assets | 7.8110% | 7,030 |
| Core capital (leverage) ratio | 7.6825% | 6,749 |
| Tier 1 risk-based capital ratio | 10.9361% | 6,005 |
| Total risk-based capital ratio | 11.9307% | 6,246 |
| Memoranda: |
| Average total assets | $122,951,250 | 4,521 |
| Average earning assets | $112,961,500 | 4,520 |
| Average equity | $9,667,750 | 5,439 |
| Average total loans | $77,973,000 | 4,623 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2311% | 5,951 |
| Cost of funding earning assets | 1.8019% | 4,747 |
| Net interest margin | 3.4291% | 5,064 |
| Noninterest income to average assets | 0.8526% | 2,173 |
| Noninterest expense to average assets | 2.4911% | 6,150 |
| Loan and lease loss provision to assets | 0.1251% | 5,860 |
| Net operating income to assets | 1.3131% | 1,202 |
| Return on assets (ROA) | 1.3131% | 1,275 |
| Pretax return on assets | 1.3799% | 1,789 |
| Return on Equity (ROE) | 16.6596% | 622 |
| Retained earnings to average equity (ytd only) | 7.1338% | 1,533 |
| Net charge-offs to loans | 0.0233% | 6,166 |
| Credit loss provision to net charge-offs | 833.3333% | 566 |
| Earnings coverage of net charge-offs (x) | 100.2222% | 382 |
| Efficiency ratio | 62.3382% | 6,192 |
| Assets per employee ($millions) | 4.5185% | 2,742 |
| Cash dividends to net income (ytd only)* | 57.1792% | 1,776 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0497% | 5,913 |
| Loan loss allowance to noncurrent loans | 47.2611% | 5,205 |
| Noncurrent assets plus other real estate owned to assets | 1.4066% | 4,147 |
| Noncurrent loans to loans | 2.2210% | 3,234 |
| Net loans and leases to total assets | 62.6656% | 5,240 |
| Net loans and leases to deposits | 72.6074% | 5,652 |
| Net loans and leases to core deposits | 78.4912% | 6,516 |
| Total domestic deposits to total assets | 86.3074% | 2,619 |
| Equity capital to assets | 7.7934% | 6,991 |
| Core capital (leverage) ratio | 7.9676% | 6,392 |
| Tier 1 risk-based capital ratio | 11.0540% | 5,825 |
| Total risk-based capital ratio | 11.9947% | 6,078 |
| Memoranda: |
| Average total assets | $119,864,670 | 4,639 |
| Average earning assets | $109,882,330 | 4,626 |
| Average equity | $9,448,000 | 5,526 |
| Average total loans | $77,243,000 | 4,684 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2018% | 6,287 |
| Cost of funding earning assets | 1.8838% | 4,718 |
| Net interest margin | 3.3179% | 5,438 |
| Noninterest income to average assets | 0.7610% | 2,533 |
| Noninterest expense to average assets | 2.3502% | 6,368 |
| Loan and lease loss provision to assets | 0.1010% | 5,674 |
| Net operating income to assets | 1.2728% | 1,450 |
| Return on assets (ROA) | 1.2728% | 1,550 |
| Pretax return on assets | 1.3401% | 2,148 |
| Return on Equity (ROE) | 16.0544% | 815 |
| Retained earnings to average equity (ytd only) | 6.4982% | 2,416 |
| Net charge-offs to loans | 0.0621% | 4,583 |
| Credit loss provision to net charge-offs | 250.0000% | 1,869 |
| Earnings coverage of net charge-offs (x) | 35.6667% | 933 |
| Efficiency ratio | 61.9893% | 6,050 |
| Assets per employee ($millions) | 4.4841% | 2,746 |
| Cash dividends to net income (ytd only)* | 59.5238% | 1,499 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0036% | 6,147 |
| Loan loss allowance to noncurrent loans | 53.5063% | 4,997 |
| Noncurrent assets plus other real estate owned to assets | 1.1778% | 4,313 |
| Noncurrent loans to loans | 1.8756% | 3,448 |
| Net loans and leases to total assets | 62.1673% | 5,292 |
| Net loans and leases to deposits | 72.3913% | 5,695 |
| Net loans and leases to core deposits | 80.0336% | 6,379 |
| Total domestic deposits to total assets | 85.8768% | 2,784 |
| Equity capital to assets | 8.0012% | 6,806 |
| Core capital (leverage) ratio | 7.9108% | 6,597 |
| Tier 1 risk-based capital ratio | 10.8184% | 6,073 |
| Total risk-based capital ratio | 11.7016% | 6,354 |
| Memoranda: |
| Average total assets | $118,797,000 | 4,685 |
| Average earning assets | $108,501,500 | 4,678 |
| Average equity | $9,418,000 | 5,563 |
| Average total loans | $77,233,000 | 4,714 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2238% | 4,396 |
| Cost of funding earning assets | 2.2128% | 5,543 |
| Net interest margin | 4.0110% | 3,063 |
| Noninterest income to average assets | 0.9947% | 1,595 |
| Noninterest expense to average assets | 2.6119% | 5,605 |
| Loan and lease loss provision to assets | 0.3020% | 3,958 |
| Net operating income to assets | 1.6625% | 725 |
| Return on assets (ROA) | 1.6625% | 696 |
| Pretax return on assets | 1.7496% | 1,051 |
| Return on Equity (ROE) | 20.9022% | 310 |
| Retained earnings to average equity (ytd only) | 9.4573% | 528 |
| Net charge-offs to loans | 0.3035% | 3,366 |
| Credit loss provision to net charge-offs | 150.4425% | 3,486 |
| Earnings coverage of net charge-offs (x) | 10.2212% | 2,554 |
| Efficiency ratio | 56.0084% | 7,010 |
| Assets per employee ($millions) | 4.0181% | 3,477 |
| Cash dividends to net income (ytd only)* | 54.7543% | 2,899 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9498% | 6,396 |
| Loan loss allowance to noncurrent loans | 60.9656% | 4,954 |
| Noncurrent assets plus other real estate owned to assets | 1.0487% | 4,196 |
| Noncurrent loans to loans | 1.5579% | 3,455 |
| Net loans and leases to total assets | 66.6747% | 4,714 |
| Net loans and leases to deposits | 77.4504% | 5,412 |
| Net loans and leases to core deposits | 83.6450% | 6,328 |
| Total domestic deposits to total assets | 86.0870% | 2,364 |
| Equity capital to assets | 7.8516% | 7,041 |
| Core capital (leverage) ratio | 8.1474% | 6,257 |
| Tier 1 risk-based capital ratio | 10.5947% | 6,109 |
| Total risk-based capital ratio | 11.4534% | 6,378 |
| Memoranda: |
| Average total assets | $112,599,200 | 4,704 |
| Average earning assets | $102,991,600 | 4,714 |
| Average equity | $8,956,000 | 5,752 |
| Average total loans | $74,453,400 | 4,716 |
