| 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 | 4.2047% | 3,845 |
| Cost of funding earning assets | 0.8726% | 2,140 |
| Net interest margin | 3.3321% | 4,087 |
| Noninterest income to average assets | 0.2964% | 3,895 |
| Noninterest expense to average assets | 2.5524% | 3,362 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5665% | 4,345 |
| Return on assets (ROA) | 0.5665% | 4,374 |
| Pretax return on assets | 0.8387% | 3,947 |
| Return on Equity (ROE) | 3.1579% | 4,758 |
| Retained earnings to average equity (ytd only) | 3.1579% | 3,677 |
| Net charge-offs to loans | 0.0421% | 1,667 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 27.7333% | 1,375 |
| Efficiency ratio | 75.2675% | 1,577 |
| Assets per employee ($millions) | 6.4928% | 1,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5032% | 1,331 |
| Loan loss allowance to noncurrent loans | 187.7100% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.5619% | 2,398 |
| Noncurrent loans to loans | 0.8008% | 2,037 |
| Net loans and leases to total assets | 69.1119% | 2,610 |
| Net loans and leases to deposits | 85.1808% | 2,228 |
| Net loans and leases to core deposits | 151.2493% | 117 |
| Total domestic deposits to total assets | 81.1355% | 3,943 |
| Equity capital to assets | 17.7536% | 368 |
| Core capital (leverage) ratio | 18.5633% | 302 |
| Tier 1 risk-based capital ratio | 22.4278% | 997 |
| Total risk-based capital ratio | 23.6787% | 975 |
| Memoranda: |
| Average total assets | $198,405,000 | 2,917 |
| Average earning assets | $184,270,500 | 2,911 |
| Average equity | $35,593,500 | 2,115 |
| Average total loans | $142,350,000 | 2,773 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1291% | 3,652 |
| Cost of funding earning assets | 0.7684% | 1,695 |
| Net interest margin | 3.3606% | 4,105 |
| Noninterest income to average assets | 0.3439% | 3,813 |
| Noninterest expense to average assets | 2.3840% | 3,926 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7815% | 3,873 |
| Return on assets (ROA) | 0.7815% | 3,875 |
| Pretax return on assets | 1.0864% | 3,322 |
| Return on Equity (ROE) | 4.4568% | 4,593 |
| Retained earnings to average equity (ytd only) | 1.8872% | 4,396 |
| Net charge-offs to loans | -0.0077% | 4,432 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6959% | 2,434 |
| Assets per employee ($millions) | 6.3075% | 1,314 |
| Cash dividends to net income (ytd only)* | 57.6553% | 1,606 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4902% | 1,325 |
| Loan loss allowance to noncurrent loans | 1,683.4646% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.0650% | 4,509 |
| Noncurrent loans to loans | 0.0885% | 4,353 |
| Net loans and leases to total assets | 72.2808% | 2,212 |
| Net loans and leases to deposits | 89.5430% | 1,858 |
| Net loans and leases to core deposits | 120.0384% | 545 |
| Total domestic deposits to total assets | 80.7218% | 3,949 |
| Equity capital to assets | 18.1316% | 331 |
| Core capital (leverage) ratio | 16.7486% | 431 |
| Tier 1 risk-based capital ratio | 22.0321% | 1,028 |
| Total risk-based capital ratio | 23.2831% | 1,006 |
| Memoranda: |
| Average total assets | $199,747,600 | 2,873 |
| Average earning assets | $185,829,400 | 2,863 |
| Average equity | $35,025,000 | 2,068 |
| Average total loans | $143,643,400 | 2,726 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0275% | 3,850 |
| Cost of funding earning assets | 0.7082% | 1,804 |
| Net interest margin | 3.3193% | 4,226 |
| Noninterest income to average assets | 0.3493% | 3,800 |
| Noninterest expense to average assets | 2.3797% | 3,900 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7576% | 4,052 |
| Return on assets (ROA) | 0.7576% | 4,062 |
| Pretax return on assets | 1.0597% | 3,538 |
| Return on Equity (ROE) | 4.3568% | 4,731 |
| Retained earnings to average equity (ytd only) | 0.9202% | 4,877 |
| Net charge-offs to loans | -0.0084% | 4,350 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1892% | 2,323 |
| Assets per employee ($millions) | 5.9988% | 1,486 |
| Cash dividends to net income (ytd only)* | 78.8779% | 602 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4904% | 1,379 |
| Loan loss allowance to noncurrent loans | 228.9389% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.4713% | 2,799 |
| Noncurrent loans to loans | 0.6510% | 2,461 |
| Net loans and leases to total assets | 71.3190% | 2,441 |
| Net loans and leases to deposits | 87.8966% | 2,165 |
| Net loans and leases to core deposits | 124.8965% | 443 |
| Total domestic deposits to total assets | 81.1396% | 3,829 |
| Equity capital to assets | 17.6970% | 360 |
| Core capital (leverage) ratio | 16.9117% | 429 |
| Tier 1 risk-based capital ratio | 21.7126% | 1,087 |
| Total risk-based capital ratio | 22.9633% | 1,070 |
| Memoranda: |
| Average total assets | $200,801,500 | 2,877 |
| Average earning assets | $186,942,000 | 2,881 |
| Average equity | $34,918,000 | 2,081 |
| Average total loans | $143,686,750 | 2,742 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9500% | 3,928 |
| Cost of funding earning assets | 0.6196% | 2,107 |
| Net interest margin | 3.3303% | 4,159 |
| Noninterest income to average assets | 0.3628% | 3,730 |
| Noninterest expense to average assets | 2.3663% | 3,983 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7812% | 3,920 |
| Return on assets (ROA) | 0.7812% | 3,918 |
| Pretax return on assets | 1.0974% | 3,327 |
| Return on Equity (ROE) | 4.5184% | 4,689 |
| Retained earnings to average equity (ytd only) | 0.2179% | 4,921 |
| Net charge-offs to loans | -0.0083% | 4,258 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3171% | 2,589 |
| Assets per employee ($millions) | 6.1131% | 1,392 |
| Cash dividends to net income (ytd only)* | 95.1777% | 448 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4933% | 1,421 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 69.7480% | 2,616 |
| Net loans and leases to deposits | 85.4507% | 2,383 |
| Net loans and leases to core deposits | 123.8341% | 464 |
| Total domestic deposits to total assets | 81.6236% | 3,834 |
| Equity capital to assets | 17.2655% | 381 |
| Core capital (leverage) ratio | 16.8055% | 418 |
| Tier 1 risk-based capital ratio | 21.8069% | 1,063 |
| Total risk-based capital ratio | 23.0579% | 1,042 |
| Memoranda: |
| Average total assets | $201,748,670 | 2,885 |
| Average earning assets | $187,850,330 | 2,881 |
| Average equity | $34,879,670 | 2,093 |
| Average total loans | $143,809,330 | 2,749 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8705% | 4,015 |
| Cost of funding earning assets | 0.5243% | 2,595 |
| Net interest margin | 3.3462% | 4,064 |
| Noninterest income to average assets | 0.3707% | 3,655 |
| Noninterest expense to average assets | 2.3910% | 3,969 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7435% | 3,927 |
| Return on assets (ROA) | 0.7435% | 3,929 |
| Pretax return on assets | 1.0924% | 3,196 |
| Return on Equity (ROE) | 4.2974% | 4,685 |
| Retained earnings to average equity (ytd only) | 2.5785% | 4,145 |
| Net charge-offs to loans | -0.0083% | 4,179 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6397% | 2,727 |
| Assets per employee ($millions) | 6.5136% | 1,191 |
| Cash dividends to net income (ytd only)* | 40.0000% | 1,833 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4517% | 1,647 |
| Loan loss allowance to noncurrent loans | 226.8371% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.4505% | 3,045 |
| Noncurrent loans to loans | 0.6400% | 2,622 |
| Net loans and leases to total assets | 69.3706% | 2,580 |
| Net loans and leases to deposits | 84.4757% | 2,343 |
| Net loans and leases to core deposits | 123.9654% | 469 |
| Total domestic deposits to total assets | 82.1190% | 3,925 |
| Equity capital to assets | 16.8000% | 414 |
| Core capital (leverage) ratio | 17.1692% | 369 |
| Tier 1 risk-based capital ratio | 21.5436% | 1,117 |
| Total risk-based capital ratio | 22.7944% | 1,095 |
| Memoranda: |
| Average total assets | $201,757,000 | 2,920 |
| Average earning assets | $187,676,500 | 2,911 |
| Average equity | $34,904,500 | 2,106 |
| Average total loans | $144,295,500 | 2,758 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8202% | 3,981 |
| Cost of funding earning assets | 0.3653% | 3,561 |
| Net interest margin | 3.4549% | 3,671 |
| Noninterest income to average assets | 0.3671% | 3,843 |
| Noninterest expense to average assets | 2.4552% | 3,926 |
| Loan and lease loss provision to assets | 0.0469% | 3,290 |
| Net operating income to assets | 0.9505% | 2,446 |
| Return on assets (ROA) | 0.9505% | 2,477 |
| Pretax return on assets | 1.0699% | 3,305 |
| Return on Equity (ROE) | 5.3917% | 4,007 |
| Retained earnings to average equity (ytd only) | 4.5044% | 2,450 |
| Net charge-offs to loans | -0.0090% | 4,763 |
| Credit loss provision to net charge-offs | -692.3077% | 5,001 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7345% | 2,755 |
| Assets per employee ($millions) | 6.0963% | 1,455 |
| Cash dividends to net income (ytd only)* | 16.4564% | 3,775 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4993% | 1,418 |
| Loan loss allowance to noncurrent loans | 704.3046% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.1548% | 4,361 |
| Noncurrent loans to loans | 0.2129% | 4,064 |
| Net loans and leases to total assets | 71.6332% | 2,283 |
| Net loans and leases to deposits | 88.4035% | 1,971 |
| Net loans and leases to core deposits | 114.2047% | 789 |
| Total domestic deposits to total assets | 81.0298% | 4,115 |
| Equity capital to assets | 17.8347% | 329 |
| Core capital (leverage) ratio | 17.1012% | 365 |
| Tier 1 risk-based capital ratio | 21.9988% | 1,017 |
| Total risk-based capital ratio | 23.2508% | 1,000 |
| Memoranda: |
| Average total assets | $191,794,400 | 2,998 |
| Average earning assets | $177,920,400 | 2,984 |
| Average equity | $33,811,200 | 2,141 |
| Average total loans | $143,748,600 | 2,722 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8121% | 3,958 |
| Cost of funding earning assets | 0.3455% | 3,716 |
| Net interest margin | 3.4667% | 3,618 |
| Noninterest income to average assets | 0.3623% | 3,942 |
| Noninterest expense to average assets | 2.4778% | 3,805 |
| Loan and lease loss provision to assets | 0.0628% | 2,814 |
| Net operating income to assets | 0.6263% | 4,292 |
| Return on assets (ROA) | 0.6263% | 4,343 |
| Pretax return on assets | 1.0375% | 3,535 |
| Return on Equity (ROE) | 3.5630% | 4,966 |
| Retained earnings to average equity (ytd only) | 2.3714% | 4,461 |
| Net charge-offs to loans | -0.0092% | 4,618 |
| Credit loss provision to net charge-offs | -900.0000% | 4,926 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2488% | 2,663 |
| Assets per employee ($millions) | 6.1544% | 1,402 |
| Cash dividends to net income (ytd only)* | 33.4448% | 2,583 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5199% | 1,467 |
| Loan loss allowance to noncurrent loans | 208.7426% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.5169% | 2,990 |
| Noncurrent loans to loans | 0.7281% | 2,535 |
| Net loans and leases to total assets | 69.9148% | 2,570 |
| Net loans and leases to deposits | 85.8733% | 2,309 |
| Net loans and leases to core deposits | 111.3599% | 958 |
| Total domestic deposits to total assets | 81.4163% | 3,942 |
| Equity capital to assets | 17.1955% | 409 |
| Core capital (leverage) ratio | 17.5825% | 332 |
| Tier 1 risk-based capital ratio | 21.8645% | 1,057 |
| Total risk-based capital ratio | 23.1157% | 1,041 |
| Memoranda: |
| Average total assets | $190,973,000 | 3,038 |
| Average earning assets | $177,149,750 | 3,018 |
| Average equity | $33,566,000 | 2,166 |
| Average total loans | $144,218,500 | 2,736 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8458% | 3,740 |
| Cost of funding earning assets | 0.3298% | 3,794 |
| Net interest margin | 3.5160% | 3,337 |
| Noninterest income to average assets | 0.3588% | 3,995 |
| Noninterest expense to average assets | 2.4912% | 3,779 |
| Loan and lease loss provision to assets | 0.0635% | 2,702 |
| Net operating income to assets | 0.6498% | 4,085 |
| Return on assets (ROA) | 0.6498% | 4,132 |
| Pretax return on assets | 1.0646% | 3,320 |
| Return on Equity (ROE) | 3.6694% | 4,926 |
| Retained earnings to average equity (ytd only) | 2.7729% | 4,048 |
| Net charge-offs to loans | -0.0096% | 4,512 |
| Credit loss provision to net charge-offs | -857.1429% | 4,790 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8304% | 2,869 |
| Assets per employee ($millions) | 5.6879% | 1,714 |
| Cash dividends to net income (ytd only)* | 24.4300% | 2,959 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4776% | 1,656 |
| Loan loss allowance to noncurrent loans | 692.7152% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.1659% | 4,522 |
| Noncurrent loans to loans | 0.2133% | 4,268 |
| Net loans and leases to total assets | 76.6381% | 1,440 |
| Net loans and leases to deposits | 95.8556% | 1,095 |
| Net loans and leases to core deposits | 116.6926% | 691 |
| Total domestic deposits to total assets | 79.9515% | 4,428 |
| Equity capital to assets | 18.5332% | 287 |
| Core capital (leverage) ratio | 17.6563% | 318 |
| Tier 1 risk-based capital ratio | 21.5273% | 1,113 |
| Total risk-based capital ratio | 22.7781% | 1,091 |
| Memoranda: |
| Average total assets | $188,983,670 | 3,068 |
| Average earning assets | $175,256,000 | 3,044 |
| Average equity | $33,466,330 | 2,165 |
| Average total loans | $145,686,000 | 2,719 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6513% | 4,279 |
| Cost of funding earning assets | 0.2934% | 4,110 |
| Net interest margin | 3.3579% | 3,807 |
| Noninterest income to average assets | 0.3741% | 3,849 |
| Noninterest expense to average assets | 2.4835% | 3,862 |
| Loan and lease loss provision to assets | 0.0623% | 2,563 |
| Net operating income to assets | 0.5819% | 4,231 |
| Return on assets (ROA) | 0.5819% | 4,276 |
| Pretax return on assets | 0.9435% | 3,612 |
| Return on Equity (ROE) | 3.3600% | 5,002 |
| Retained earnings to average equity (ytd only) | 1.5600% | 4,478 |
| Net charge-offs to loans | -0.0108% | 4,464 |
| Credit loss provision to net charge-offs | -750.0000% | 4,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1733% | 2,705 |
| Assets per employee ($millions) | 5.9612% | 1,534 |
| Cash dividends to net income (ytd only)* | 53.5714% | 1,584 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3596% | 2,265 |
| Loan loss allowance to noncurrent loans | 681.7881% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.1583% | 4,620 |
| Noncurrent loans to loans | 0.1994% | 4,406 |
| Net loans and leases to total assets | 78.3123% | 1,084 |
| Net loans and leases to deposits | 96.7401% | 868 |
| Net loans and leases to core deposits | 122.3621% | 402 |
| Total domestic deposits to total assets | 80.9513% | 4,421 |
| Equity capital to assets | 17.5080% | 338 |
| Core capital (leverage) ratio | 17.5021% | 323 |
| Tier 1 risk-based capital ratio | 20.4509% | 1,306 |
| Total risk-based capital ratio | 21.7013% | 1,279 |
| Memoranda: |
| Average total assets | $192,468,500 | 3,061 |
| Average earning assets | $178,565,500 | 3,049 |
| Average equity | $33,333,000 | 2,181 |
| Average total loans | $147,737,000 | 2,722 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7393% | 4,093 |
| Cost of funding earning assets | 0.3074% | 3,981 |
| Net interest margin | 3.4319% | 3,701 |
| Noninterest income to average assets | 0.4040% | 3,849 |
| Noninterest expense to average assets | 2.4954% | 4,028 |
| Loan and lease loss provision to assets | 0.0613% | 3,145 |
| Net operating income to assets | 0.6195% | 4,126 |
| Return on assets (ROA) | 0.6195% | 4,246 |
| Pretax return on assets | 1.0291% | 3,372 |
| Return on Equity (ROE) | 3.6990% | 4,933 |
| Retained earnings to average equity (ytd only) | 2.7841% | 3,919 |
| Net charge-offs to loans | -0.0124% | 4,998 |
| Credit loss provision to net charge-offs | -631.5789% | 5,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5912% | 2,982 |
| Assets per employee ($millions) | 6.0681% | 1,428 |
| Cash dividends to net income (ytd only)* | 24.7321% | 3,537 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4060% | 2,054 |
| Loan loss allowance to noncurrent loans | 670.5298% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.1555% | 4,698 |
| Noncurrent loans to loans | 0.2097% | 4,404 |
| Net loans and leases to total assets | 73.1299% | 1,991 |
| Net loans and leases to deposits | 89.8759% | 1,697 |
| Net loans and leases to core deposits | 110.1909% | 889 |
| Total domestic deposits to total assets | 81.3677% | 4,242 |
| Equity capital to assets | 17.1326% | 370 |
| Core capital (leverage) ratio | 16.5650% | 394 |
| Tier 1 risk-based capital ratio | 20.9216% | 1,226 |
| Total risk-based capital ratio | 22.1718% | 1,203 |
| Memoranda: |
| Average total assets | $195,800,400 | 3,000 |
| Average earning assets | $181,532,200 | 3,000 |
| Average equity | $32,793,000 | 2,189 |
| Average total loans | $153,182,600 | 2,603 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7542% | 4,067 |
| Cost of funding earning assets | 0.3056% | 4,035 |
| Net interest margin | 3.4486% | 3,675 |
| Noninterest income to average assets | 0.4084% | 3,859 |
| Noninterest expense to average assets | 2.5048% | 3,972 |
| Loan and lease loss provision to assets | 0.0612% | 3,017 |
| Net operating income to assets | 0.6293% | 4,167 |
| Return on assets (ROA) | 0.6293% | 4,291 |
| Pretax return on assets | 1.0397% | 3,475 |
| Return on Equity (ROE) | 3.7786% | 4,995 |
| Retained earnings to average equity (ytd only) | 2.5545% | 4,388 |
| Net charge-offs to loans | -0.0077% | 4,705 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4685% | 2,973 |
| Assets per employee ($millions) | 6.2417% | 1,269 |
| Cash dividends to net income (ytd only)* | 32.3973% | 2,730 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3042% | 2,666 |
| Loan loss allowance to noncurrent loans | 486.2745% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.2043% | 4,615 |
| Noncurrent loans to loans | 0.2682% | 4,302 |
| Net loans and leases to total assets | 75.1681% | 1,674 |
| Net loans and leases to deposits | 93.0869% | 1,360 |
| Net loans and leases to core deposits | 115.6252% | 671 |
| Total domestic deposits to total assets | 80.7505% | 4,307 |
| Equity capital to assets | 16.5124% | 483 |
| Core capital (leverage) ratio | 16.0423% | 467 |
| Tier 1 risk-based capital ratio | 19.9482% | 1,457 |
| Total risk-based capital ratio | 21.1482% | 1,429 |
| Memoranda: |
| Average total assets | $196,205,750 | 3,007 |
| Average earning assets | $181,905,500 | 3,011 |
| Average equity | $32,674,250 | 2,207 |
| Average total loans | $155,471,250 | 2,575 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7605% | 4,089 |
| Cost of funding earning assets | 0.2944% | 4,197 |
| Net interest margin | 3.4662% | 3,627 |
| Noninterest income to average assets | 0.4246% | 3,697 |
| Noninterest expense to average assets | 2.4991% | 4,030 |
| Loan and lease loss provision to assets | 0.0615% | 2,902 |
| Net operating income to assets | 0.6563% | 4,015 |
| Return on assets (ROA) | 0.6563% | 4,160 |
| Pretax return on assets | 1.0757% | 3,300 |
| Return on Equity (ROE) | 3.9298% | 4,935 |
| Retained earnings to average equity (ytd only) | 3.0087% | 4,003 |
| Net charge-offs to loans | -0.0115% | 4,742 |
| Credit loss provision to net charge-offs | -666.6667% | 5,007 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7253% | 3,209 |
| Assets per employee ($millions) | 6.1817% | 1,276 |
| Cash dividends to net income (ytd only)* | 23.4375% | 3,083 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2211% | 3,243 |
| Loan loss allowance to noncurrent loans | 113.3411% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 0.8715% | 2,416 |
| Noncurrent loans to loans | 1.0774% | 2,136 |
| Net loans and leases to total assets | 79.9043% | 928 |
| Net loans and leases to deposits | 100.6643% | 642 |
| Net loans and leases to core deposits | 122.6448% | 447 |
| Total domestic deposits to total assets | 79.3770% | 4,700 |
| Equity capital to assets | 16.6046% | 478 |
| Core capital (leverage) ratio | 16.3492% | 422 |
| Tier 1 risk-based capital ratio | 19.3600% | 1,606 |
| Total risk-based capital ratio | 20.5117% | 1,598 |
| Memoranda: |
| Average total assets | $195,029,330 | 3,041 |
| Average earning assets | $180,719,000 | 3,036 |
| Average equity | $32,572,000 | 2,219 |
| Average total loans | $156,588,000 | 2,567 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7877% | 3,988 |
| Cost of funding earning assets | 0.2855% | 4,324 |
| Net interest margin | 3.5022% | 3,473 |
| Noninterest income to average assets | 0.3966% | 3,854 |
| Noninterest expense to average assets | 2.5284% | 3,984 |
| Loan and lease loss provision to assets | 0.0620% | 2,704 |
| Net operating income to assets | 0.6404% | 4,022 |
| Return on assets (ROA) | 0.6404% | 4,141 |
| Pretax return on assets | 1.0494% | 3,279 |
| Return on Equity (ROE) | 3.8230% | 4,950 |
| Retained earnings to average equity (ytd only) | 1.9732% | 4,464 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4665% | 3,220 |
| Assets per employee ($millions) | 5.9447% | 1,444 |
| Cash dividends to net income (ytd only)* | 48.3871% | 1,811 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2375% | 3,271 |
| Loan loss allowance to noncurrent loans | 359.2871% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.2717% | 4,467 |
| Noncurrent loans to loans | 0.3444% | 4,202 |
| Net loans and leases to total assets | 77.9061% | 1,118 |
| Net loans and leases to deposits | 98.2179% | 743 |
| Net loans and leases to core deposits | 114.2796% | 660 |
| Total domestic deposits to total assets | 79.3196% | 4,896 |
| Equity capital to assets | 16.5744% | 466 |
| Core capital (leverage) ratio | 17.0685% | 364 |
| Tier 1 risk-based capital ratio | 20.3652% | 1,429 |
| Total risk-based capital ratio | 21.5646% | 1,416 |
| Memoranda: |
| Average total assets | $193,637,500 | 3,063 |
| Average earning assets | $179,318,000 | 3,057 |
| Average equity | $32,435,000 | 2,223 |
| Average total loans | $154,874,500 | 2,585 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7277% | 4,288 |
| Cost of funding earning assets | 0.3260% | 3,956 |
| Net interest margin | 3.4017% | 3,909 |
| Noninterest income to average assets | 0.3880% | 4,128 |
| Noninterest expense to average assets | 2.4800% | 4,289 |
| Loan and lease loss provision to assets | 0.0610% | 3,082 |
| Net operating income to assets | 0.5782% | 4,391 |
| Return on assets (ROA) | 0.5782% | 4,482 |
| Pretax return on assets | 0.9987% | 3,479 |
| Return on Equity (ROE) | 3.5644% | 5,120 |
| Retained earnings to average equity (ytd only) | 2.6239% | 4,202 |
| Net charge-offs to loans | 0.1101% | 2,278 |
| Credit loss provision to net charge-offs | 72.2892% | 3,084 |
| Earnings coverage of net charge-offs (x) | 12.5542% | 2,453 |
| Efficiency ratio | 70.0618% | 3,214 |
| Assets per employee ($millions) | 5.7909% | 1,544 |
| Cash dividends to net income (ytd only)* | 26.3852% | 3,516 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2161% | 3,379 |
| Loan loss allowance to noncurrent loans | 367.4464% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.2684% | 4,517 |
| Noncurrent loans to loans | 0.3310% | 4,273 |
| Net loans and leases to total assets | 80.1239% | 831 |
| Net loans and leases to deposits | 98.3246% | 794 |
| Net loans and leases to core deposits | 112.1499% | 763 |
| Total domestic deposits to total assets | 81.4892% | 4,342 |
| Equity capital to assets | 16.9310% | 418 |
| Core capital (leverage) ratio | 16.2752% | 435 |
| Tier 1 risk-based capital ratio | 20.3493% | 1,415 |
| Total risk-based capital ratio | 21.5349% | 1,405 |
| Memoranda: |
| Average total assets | $196,652,000 | 2,978 |
| Average earning assets | $182,202,800 | 2,977 |
| Average equity | $31,899,000 | 2,207 |
| Average total loans | $150,763,200 | 2,589 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7110% | 4,387 |
| Cost of funding earning assets | 0.3320% | 3,960 |
| Net interest margin | 3.3790% | 4,037 |
| Noninterest income to average assets | 0.3844% | 4,190 |
| Noninterest expense to average assets | 2.4513% | 4,343 |
| Loan and lease loss provision to assets | 0.0606% | 2,970 |
| Net operating income to assets | 0.5851% | 4,453 |
| Return on assets (ROA) | 0.5851% | 4,550 |
| Pretax return on assets | 1.0038% | 3,601 |
| Return on Equity (ROE) | 3.6452% | 5,161 |
| Retained earnings to average equity (ytd only) | 2.3868% | 4,682 |
| Net charge-offs to loans | 0.1603% | 1,544 |
| Credit loss provision to net charge-offs | 50.0000% | 3,031 |
| Earnings coverage of net charge-offs (x) | 8.7835% | 2,770 |
| Efficiency ratio | 69.7242% | 3,252 |
| Assets per employee ($millions) | 6.0588% | 1,336 |
| Cash dividends to net income (ytd only)* | 34.5224% | 2,597 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1922% | 3,700 |
| Loan loss allowance to noncurrent loans | 4,723.0769% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0195% | 5,718 |
| Noncurrent loans to loans | 0.0252% | 5,535 |
| Net loans and leases to total assets | 76.3525% | 1,340 |
| Net loans and leases to deposits | 92.6273% | 1,344 |
| Net loans and leases to core deposits | 107.2608% | 1,020 |
| Total domestic deposits to total assets | 82.4298% | 4,014 |
| Equity capital to assets | 16.0492% | 556 |
| Core capital (leverage) ratio | 15.9486% | 494 |
| Tier 1 risk-based capital ratio | 20.1261% | 1,511 |
| Total risk-based capital ratio | 21.2814% | 1,505 |
| Memoranda: |
| Average total assets | $198,040,250 | 2,996 |
| Average earning assets | $183,519,750 | 2,989 |
| Average equity | $31,785,000 | 2,228 |
| Average total loans | $149,703,750 | 2,612 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7450% | 4,254 |
| Cost of funding earning assets | 0.3346% | 3,987 |
| Net interest margin | 3.4105% | 3,873 |
| Noninterest income to average assets | 0.4022% | 4,070 |
| Noninterest expense to average assets | 2.4650% | 4,347 |
| Loan and lease loss provision to assets | 0.0608% | 2,891 |
| Net operating income to assets | 0.5978% | 4,353 |
| Return on assets (ROA) | 0.5978% | 4,448 |
| Pretax return on assets | 1.0364% | 3,433 |
| Return on Equity (ROE) | 3.7243% | 5,132 |
| Retained earnings to average equity (ytd only) | 2.7775% | 4,280 |
| Net charge-offs to loans | 0.2431% | 1,069 |
| Credit loss provision to net charge-offs | 33.3333% | 2,886 |
| Earnings coverage of net charge-offs (x) | 6.0167% | 2,842 |
| Efficiency ratio | 69.1980% | 3,459 |
| Assets per employee ($millions) | 5.7605% | 1,526 |
| Cash dividends to net income (ytd only)* | 25.4237% | 2,983 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2012% | 3,781 |
| Loan loss allowance to noncurrent loans | 3,622.0000% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0263% | 5,780 |
| Noncurrent loans to loans | 0.0332% | 5,619 |
| Net loans and leases to total assets | 78.3596% | 1,019 |
| Net loans and leases to deposits | 96.0506% | 960 |
| Net loans and leases to core deposits | 113.5773% | 688 |
| Total domestic deposits to total assets | 81.5816% | 4,422 |
| Equity capital to assets | 16.8092% | 435 |
| Core capital (leverage) ratio | 16.5830% | 406 |
| Tier 1 risk-based capital ratio | 20.5653% | 1,438 |
| Total risk-based capital ratio | 21.7309% | 1,427 |
| Memoranda: |
| Average total assets | $197,406,670 | 3,019 |
| Average earning assets | $182,908,330 | 3,019 |
| Average equity | $31,683,670 | 2,236 |
| Average total loans | $148,104,330 | 2,648 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4880% | 5,006 |
| Cost of funding earning assets | 0.3368% | 4,015 |
| Net interest margin | 3.1512% | 4,782 |
| Noninterest income to average assets | 0.3899% | 4,091 |
| Noninterest expense to average assets | 2.4510% | 4,445 |
| Loan and lease loss provision to assets | 0.0597% | 2,737 |
| Net operating income to assets | 0.4178% | 5,007 |
| Return on assets (ROA) | 0.4178% | 5,126 |
| Pretax return on assets | 0.8017% | 4,233 |
| Return on Equity (ROE) | 2.6626% | 5,488 |
| Retained earnings to average equity (ytd only) | 0.7607% | 5,149 |
| Net charge-offs to loans | 0.3298% | 733 |
| Credit loss provision to net charge-offs | 24.7934% | 2,320 |
| Earnings coverage of net charge-offs (x) | 3.5785% | 2,588 |
| Efficiency ratio | 73.9940% | 2,820 |
| Assets per employee ($millions) | 5.8318% | 1,524 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,140 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2454% | 3,715 |
| Loan loss allowance to noncurrent loans | 88.2917% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 1.0510% | 2,517 |
| Noncurrent loans to loans | 1.4105% | 2,034 |
| Net loans and leases to total assets | 73.5841% | 1,558 |
| Net loans and leases to deposits | 89.1572% | 1,486 |
| Net loans and leases to core deposits | 106.8072% | 890 |
| Total domestic deposits to total assets | 82.5330% | 4,339 |
| Equity capital to assets | 15.9263% | 552 |
| Core capital (leverage) ratio | 15.8684% | 481 |
| Tier 1 risk-based capital ratio | 20.2995% | 1,557 |
| Total risk-based capital ratio | 21.4823% | 1,538 |
| Memoranda: |
| Average total assets | $201,061,000 | 3,001 |
| Average earning assets | $186,466,000 | 2,981 |
| Average equity | $31,548,500 | 2,255 |
| Average total loans | $146,771,000 | 2,663 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7110% | 4,748 |
| Cost of funding earning assets | 0.3393% | 4,373 |
| Net interest margin | 3.3717% | 4,318 |
| Noninterest income to average assets | 0.4486% | 3,838 |
| Noninterest expense to average assets | 2.4854% | 4,593 |
| Loan and lease loss provision to assets | 0.1010% | 2,470 |
| Net operating income to assets | 0.5331% | 4,669 |
| Return on assets (ROA) | 0.5334% | 4,754 |
| Pretax return on assets | 0.9851% | 3,561 |
| Return on Equity (ROE) | 3.3907% | 5,335 |
| Retained earnings to average equity (ytd only) | 2.4274% | 4,504 |
| Net charge-offs to loans | 0.1450% | 2,588 |
| Credit loss provision to net charge-offs | 93.4579% | 2,569 |
| Earnings coverage of net charge-offs (x) | 10.0421% | 2,664 |
| Efficiency ratio | 69.5997% | 3,604 |
| Assets per employee ($millions) | 5.9953% | 1,381 |
| Cash dividends to net income (ytd only)* | 28.4091% | 3,451 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3244% | 3,297 |
| Loan loss allowance to noncurrent loans | 75.7849% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 1.2500% | 2,256 |
| Noncurrent loans to loans | 1.7476% | 1,657 |
| Net loans and leases to total assets | 70.5784% | 2,145 |
| Net loans and leases to deposits | 85.2454% | 2,070 |
| Net loans and leases to core deposits | 99.6840% | 1,413 |
| Total domestic deposits to total assets | 82.7943% | 4,148 |
| Equity capital to assets | 15.4621% | 616 |
| Core capital (leverage) ratio | 16.1937% | 449 |
| Tier 1 risk-based capital ratio | 20.9358% | 1,417 |
| Total risk-based capital ratio | 22.1859% | 1,388 |
| Memoranda: |
| Average total assets | $197,958,600 | 3,021 |
| Average earning assets | $183,318,800 | 2,997 |
| Average equity | $31,144,000 | 2,213 |
| Average total loans | $147,606,600 | 2,606 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7679% | 4,659 |
| Cost of funding earning assets | 0.3431% | 4,424 |
| Net interest margin | 3.4248% | 4,127 |
| Noninterest income to average assets | 0.4587% | 3,835 |
| Noninterest expense to average assets | 2.4822% | 4,585 |
| Loan and lease loss provision to assets | 0.1221% | 2,044 |
| Net operating income to assets | 0.5804% | 4,538 |
| Return on assets (ROA) | 0.5808% | 4,621 |
| Pretax return on assets | 1.0253% | 3,496 |
| Return on Equity (ROE) | 3.6756% | 5,288 |
| Retained earnings to average equity (ytd only) | 2.3874% | 4,864 |
| Net charge-offs to loans | 0.1918% | 1,933 |
| Credit loss provision to net charge-offs | 84.5070% | 2,513 |
| Earnings coverage of net charge-offs (x) | 7.9344% | 2,870 |
| Efficiency ratio | 68.3994% | 3,788 |
| Assets per employee ($millions) | 5.6386% | 1,607 |
| Cash dividends to net income (ytd only)* | 35.0469% | 2,575 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3043% | 3,619 |
| Loan loss allowance to noncurrent loans | 98.6584% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 1.0109% | 2,935 |
| Noncurrent loans to loans | 1.3220% | 2,435 |
| Net loans and leases to total assets | 75.4666% | 1,294 |
| Net loans and leases to deposits | 92.3399% | 1,200 |
| Net loans and leases to core deposits | 112.9130% | 624 |
| Total domestic deposits to total assets | 81.7269% | 4,577 |
| Equity capital to assets | 16.3342% | 517 |
| Core capital (leverage) ratio | 15.8934% | 495 |
| Tier 1 risk-based capital ratio | 20.1708% | 1,628 |
| Total risk-based capital ratio | 21.4017% | 1,600 |
| Memoranda: |
| Average total assets | $196,488,250 | 3,056 |
| Average earning assets | $181,882,500 | 3,035 |
| Average equity | $31,050,500 | 2,227 |
| Average total loans | $148,058,750 | 2,615 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7626% | 4,649 |
| Cost of funding earning assets | 0.3414% | 4,524 |
| Net interest margin | 3.4212% | 4,096 |
| Noninterest income to average assets | 0.4463% | 3,899 |
| Noninterest expense to average assets | 2.4758% | 4,656 |
| Loan and lease loss provision to assets | 0.1212% | 2,025 |
| Net operating income to assets | 0.5961% | 4,370 |
| Return on assets (ROA) | 0.5967% | 4,466 |
| Pretax return on assets | 1.0178% | 3,408 |
| Return on Equity (ROE) | 3.8175% | 5,225 |
| Retained earnings to average equity (ytd only) | 2.8486% | 4,394 |
| Net charge-offs to loans | 0.2868% | 1,390 |
| Credit loss provision to net charge-offs | 56.3380% | 2,693 |
| Earnings coverage of net charge-offs (x) | 5.2911% | 2,955 |
| Efficiency ratio | 68.5108% | 3,916 |
| Assets per employee ($millions) | 5.5634% | 1,641 |
| Cash dividends to net income (ytd only)* | 25.3807% | 2,984 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2352% | 4,247 |
| Loan loss allowance to noncurrent loans | 93.5794% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 1.0158% | 3,037 |
| Noncurrent loans to loans | 1.3200% | 2,604 |
| Net loans and leases to total assets | 76.0071% | 1,165 |
| Net loans and leases to deposits | 92.8092% | 1,069 |
| Net loans and leases to core deposits | 114.4801% | 519 |
| Total domestic deposits to total assets | 81.8961% | 4,679 |
| Equity capital to assets | 16.0220% | 554 |
| Core capital (leverage) ratio | 15.7727% | 508 |
| Tier 1 risk-based capital ratio | 19.7835% | 1,738 |
| Total risk-based capital ratio | 20.9573% | 1,726 |
| Memoranda: |
| Average total assets | $198,079,670 | 3,061 |
| Average earning assets | $183,383,670 | 3,039 |
| Average equity | $30,962,330 | 2,218 |
| Average total loans | $148,547,670 | 2,597 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7612% | 4,629 |
| Cost of funding earning assets | 0.3354% | 4,687 |
| Net interest margin | 3.4257% | 4,007 |
| Noninterest income to average assets | 0.4405% | 3,867 |
| Noninterest expense to average assets | 2.4850% | 4,670 |
| Loan and lease loss provision to assets | 0.1201% | 1,990 |
| Net operating income to assets | 0.6255% | 4,062 |
| Return on assets (ROA) | 0.6268% | 4,143 |
| Pretax return on assets | 1.0072% | 3,296 |
| Return on Equity (ROE) | 4.0591% | 5,001 |
| Retained earnings to average equity (ytd only) | 2.1138% | 4,752 |
| Net charge-offs to loans | 0.5409% | 679 |
| Credit loss provision to net charge-offs | 30.0000% | 2,395 |
| Earnings coverage of net charge-offs (x) | 2.8100% | 2,793 |
| Efficiency ratio | 68.8297% | 4,039 |
| Assets per employee ($millions) | 5.3546% | 1,857 |
| Cash dividends to net income (ytd only)* | 47.9233% | 1,754 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2410% | 4,435 |
| Loan loss allowance to noncurrent loans | 90.0249% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 1.0120% | 3,231 |
| Noncurrent loans to loans | 1.3785% | 2,724 |
| Net loans and leases to total assets | 72.5038% | 1,494 |
| Net loans and leases to deposits | 88.1540% | 1,344 |
| Net loans and leases to core deposits | 110.1892% | 582 |
| Total domestic deposits to total assets | 82.2468% | 4,874 |
| Equity capital to assets | 15.6096% | 586 |
| Core capital (leverage) ratio | 15.6585% | 521 |
| Tier 1 risk-based capital ratio | 20.0538% | 1,705 |
| Total risk-based capital ratio | 21.2243% | 1,693 |
| Memoranda: |
| Average total assets | $199,759,500 | 3,052 |
| Average earning assets | $184,836,500 | 3,038 |
| Average equity | $30,844,500 | 2,219 |
| Average total loans | $147,895,500 | 2,617 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8829% | 4,530 |
| Cost of funding earning assets | 0.4523% | 4,088 |
| Net interest margin | 3.4306% | 4,164 |
| Noninterest income to average assets | 0.4528% | 4,073 |
| Noninterest expense to average assets | 2.4648% | 4,876 |
| Loan and lease loss provision to assets | 0.1792% | 2,062 |
| Net operating income to assets | 0.6964% | 3,809 |
| Return on assets (ROA) | 0.6964% | 3,906 |
| Pretax return on assets | 0.9822% | 3,426 |
| Return on Equity (ROE) | 4.7201% | 4,768 |
| Retained earnings to average equity (ytd only) | 3.7215% | 3,570 |
| Net charge-offs to loans | 0.1378% | 3,425 |
| Credit loss provision to net charge-offs | 180.6931% | 1,270 |
| Earnings coverage of net charge-offs (x) | 11.7079% | 2,211 |
| Efficiency ratio | 67.9713% | 4,204 |
| Assets per employee ($millions) | 5.4432% | 1,703 |
| Cash dividends to net income (ytd only)* | 21.1566% | 3,669 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2944% | 4,173 |
| Loan loss allowance to noncurrent loans | 118.4419% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 0.8158% | 3,845 |
| Noncurrent loans to loans | 1.0929% | 3,347 |
| Net loans and leases to total assets | 73.6823% | 1,403 |
| Net loans and leases to deposits | 89.2708% | 1,317 |
| Net loans and leases to core deposits | 109.1502% | 644 |
| Total domestic deposits to total assets | 82.5380% | 4,701 |
| Equity capital to assets | 15.2748% | 628 |
| Core capital (leverage) ratio | 15.1112% | 590 |
| Tier 1 risk-based capital ratio | 19.5276% | 1,773 |
| Total risk-based capital ratio | 20.7622% | 1,744 |
| Memoranda: |
| Average total assets | $203,630,200 | 2,992 |
| Average earning assets | $188,365,800 | 2,970 |
| Average equity | $30,042,000 | 2,248 |
| Average total loans | $146,614,400 | 2,608 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7702% | 4,960 |
| Cost of funding earning assets | 0.4774% | 3,996 |
| Net interest margin | 3.2929% | 4,666 |
| Noninterest income to average assets | 0.4512% | 4,147 |
| Noninterest expense to average assets | 2.4604% | 4,836 |
| Loan and lease loss provision to assets | 0.1992% | 1,823 |
| Net operating income to assets | 0.4976% | 4,801 |
| Return on assets (ROA) | 0.4976% | 4,972 |
| Pretax return on assets | 0.8365% | 4,158 |
| Return on Equity (ROE) | 3.4022% | 5,471 |
| Retained earnings to average equity (ytd only) | 2.0628% | 5,093 |
| Net charge-offs to loans | 0.1748% | 2,824 |
| Credit loss provision to net charge-offs | 159.6859% | 1,479 |
| Earnings coverage of net charge-offs (x) | 8.3037% | 2,641 |
| Efficiency ratio | 70.3773% | 3,695 |
| Assets per employee ($millions) | 5.3652% | 1,774 |
| Cash dividends to net income (ytd only)* | 39.3703% | 2,310 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3369% | 4,209 |
| Loan loss allowance to noncurrent loans | 61.6911% | 4,756 |
| Noncurrent assets plus other real estate owned to assets | 1.5490% | 2,611 |
| Noncurrent loans to loans | 2.1670% | 2,043 |
| Net loans and leases to total assets | 70.5261% | 1,864 |
| Net loans and leases to deposits | 85.4609% | 1,680 |
| Net loans and leases to core deposits | 103.2974% | 918 |
| Total domestic deposits to total assets | 82.5244% | 4,745 |
| Equity capital to assets | 15.1664% | 687 |
| Core capital (leverage) ratio | 14.6665% | 697 |
| Tier 1 risk-based capital ratio | 20.4392% | 1,613 |
| Total risk-based capital ratio | 21.6897% | 1,587 |
| Memoranda: |
| Average total assets | $204,188,500 | 3,004 |
| Average earning assets | $188,808,250 | 2,990 |
| Average equity | $29,861,750 | 2,278 |
| Average total loans | $145,683,000 | 2,640 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7920% | 4,855 |
| Cost of funding earning assets | 0.5000% | 3,900 |
| Net interest margin | 3.2920% | 4,616 |
| Noninterest income to average assets | 0.4522% | 4,146 |
| Noninterest expense to average assets | 2.4243% | 4,984 |
| Loan and lease loss provision to assets | 0.2378% | 1,561 |
| Net operating income to assets | 0.4998% | 4,801 |
| Return on assets (ROA) | 0.4998% | 4,974 |
| Pretax return on assets | 0.8317% | 4,193 |
| Return on Equity (ROE) | 3.4587% | 5,446 |
| Retained earnings to average equity (ytd only) | 2.4513% | 4,741 |
| Net charge-offs to loans | 0.2600% | 2,170 |
| Credit loss provision to net charge-offs | 128.2723% | 1,763 |
| Earnings coverage of net charge-offs (x) | 5.7696% | 2,833 |
| Efficiency ratio | 69.3889% | 3,941 |
| Assets per employee ($millions) | 5.7884% | 1,355 |
| Cash dividends to net income (ytd only)* | 29.1262% | 2,696 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2537% | 4,725 |
| Loan loss allowance to noncurrent loans | 53.4478% | 5,056 |
| Noncurrent assets plus other real estate owned to assets | 1.6965% | 2,562 |
| Noncurrent loans to loans | 2.3457% | 2,008 |
| Net loans and leases to total assets | 71.4161% | 1,660 |
| Net loans and leases to deposits | 86.2760% | 1,548 |
| Net loans and leases to core deposits | 108.1054% | 646 |
| Total domestic deposits to total assets | 82.7763% | 4,788 |
| Equity capital to assets | 14.8130% | 750 |
| Core capital (leverage) ratio | 14.5277% | 694 |
| Tier 1 risk-based capital ratio | 19.7163% | 1,789 |
| Total risk-based capital ratio | 20.9232% | 1,782 |
| Memoranda: |
| Average total assets | $206,081,000 | 2,989 |
| Average earning assets | $190,399,330 | 2,985 |
| Average equity | $29,780,000 | 2,289 |
| Average total loans | $146,944,330 | 2,621 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7909% | 4,850 |
| Cost of funding earning assets | 0.5159% | 3,918 |
| Net interest margin | 3.2750% | 4,616 |
| Noninterest income to average assets | 0.3926% | 4,516 |
| Noninterest expense to average assets | 2.4309% | 5,014 |
| Loan and lease loss provision to assets | 0.2598% | 1,373 |
| Net operating income to assets | 0.3780% | 5,218 |
| Return on assets (ROA) | 0.3657% | 5,413 |
| Pretax return on assets | 0.7006% | 4,580 |
| Return on Equity (ROE) | 2.5619% | 5,752 |
| Retained earnings to average equity (ytd only) | 0.5394% | 5,609 |
| Net charge-offs to loans | 0.2827% | 1,835 |
| Credit loss provision to net charge-offs | 129.8077% | 1,520 |
| Earnings coverage of net charge-offs (x) | 4.8942% | 2,457 |
| Efficiency ratio | 71.2754% | 3,754 |
| Assets per employee ($millions) | 5.9218% | 1,318 |
| Cash dividends to net income (ytd only)* | 78.9474% | 913 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2303% | 5,048 |
| Loan loss allowance to noncurrent loans | 31.2705% | 5,982 |
| Noncurrent assets plus other real estate owned to assets | 2.7989% | 1,619 |
| Noncurrent loans to loans | 3.9344% | 1,157 |
| Net loans and leases to total assets | 70.2628% | 1,621 |
| Net loans and leases to deposits | 84.5190% | 1,528 |
| Net loans and leases to core deposits | 102.5593% | 800 |
| Total domestic deposits to total assets | 83.1325% | 4,814 |
| Equity capital to assets | 14.3225% | 929 |
| Core capital (leverage) ratio | 14.0829% | 775 |
| Tier 1 risk-based capital ratio | 19.5183% | 1,900 |
| Total risk-based capital ratio | 20.7110% | 1,895 |
| Memoranda: |
| Average total assets | $207,825,000 | 3,000 |
| Average earning assets | $191,512,000 | 2,995 |
| Average equity | $29,665,000 | 2,325 |
| Average total loans | $147,156,000 | 2,627 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0852% | 5,005 |
| Cost of funding earning assets | 0.5918% | 4,422 |
| Net interest margin | 3.4935% | 4,527 |
| Noninterest income to average assets | 0.4907% | 3,961 |
| Noninterest expense to average assets | 2.4166% | 5,357 |
| Loan and lease loss provision to assets | 0.2502% | 2,651 |
| Net operating income to assets | 0.6335% | 4,070 |
| Return on assets (ROA) | 0.6335% | 4,339 |
| Pretax return on assets | 1.0491% | 3,362 |
| Return on Equity (ROE) | 4.3441% | 5,004 |
| Retained earnings to average equity (ytd only) | -9.3238% | 6,618 |
| Net charge-offs to loans | 0.3489% | 2,891 |
| Credit loss provision to net charge-offs | 99.6310% | 3,112 |
| Earnings coverage of net charge-offs (x) | 5.1734% | 3,120 |
| Efficiency ratio | 65.0330% | 4,695 |
| Assets per employee ($millions) | 5.9539% | 1,316 |
| Cash dividends to net income (ytd only)* | 314.6306% | 63 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2133% | 5,053 |
| Loan loss allowance to noncurrent loans | 60.7155% | 4,637 |
| Noncurrent assets plus other real estate owned to assets | 1.6253% | 2,963 |
| Noncurrent loans to loans | 1.9984% | 2,698 |
| Net loans and leases to total assets | 69.6240% | 1,913 |
| Net loans and leases to deposits | 83.7400% | 1,785 |
| Net loans and leases to core deposits | 100.8459% | 975 |
| Total domestic deposits to total assets | 83.1430% | 4,659 |
| Equity capital to assets | 14.2259% | 964 |
| Core capital (leverage) ratio | 13.9558% | 816 |
| Tier 1 risk-based capital ratio | 19.1410% | 1,921 |
| Total risk-based capital ratio | 20.2916% | 1,916 |
| Memoranda: |
| Average total assets | $215,800,200 | 2,876 |
| Average earning assets | $199,229,800 | 2,857 |
| Average equity | $31,467,800 | 2,170 |
| Average total loans | $155,330,800 | 2,501 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1483% | 4,996 |
| Cost of funding earning assets | 0.6041% | 4,603 |
| Net interest margin | 3.5442% | 4,468 |
| Noninterest income to average assets | 0.4355% | 4,388 |
| Noninterest expense to average assets | 2.4081% | 5,368 |
| Loan and lease loss provision to assets | 0.2481% | 2,580 |
| Net operating income to assets | 0.6420% | 4,184 |
| Return on assets (ROA) | 0.6420% | 4,439 |
| Pretax return on assets | 1.0536% | 3,521 |
| Return on Equity (ROE) | 4.3770% | 5,112 |
| Retained earnings to average equity (ytd only) | -13.5821% | 6,884 |
| Net charge-offs to loans | 0.0830% | 4,567 |
| Credit loss provision to net charge-offs | 413.2653% | 651 |
| Earnings coverage of net charge-offs (x) | 21.6842% | 1,392 |
| Efficiency ratio | 64.9108% | 4,638 |
| Assets per employee ($millions) | 5.7335% | 1,428 |
| Cash dividends to net income (ytd only)* | 410.3049% | 22 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3609% | 4,539 |
| Loan loss allowance to noncurrent loans | 49.2232% | 5,170 |
| Noncurrent assets plus other real estate owned to assets | 2.0025% | 2,635 |
| Noncurrent loans to loans | 2.7647% | 2,040 |
| Net loans and leases to total assets | 71.4428% | 1,657 |
| Net loans and leases to deposits | 85.7976% | 1,623 |
| Net loans and leases to core deposits | 102.2307% | 969 |
| Total domestic deposits to total assets | 83.2690% | 4,533 |
| Equity capital to assets | 13.8244% | 1,228 |
| Core capital (leverage) ratio | 13.2473% | 1,088 |
| Tier 1 risk-based capital ratio | 18.3474% | 2,218 |
| Total risk-based capital ratio | 19.5980% | 2,187 |
| Memoranda: |
| Average total assets | $217,653,250 | 2,883 |
| Average earning assets | $201,073,500 | 2,854 |
| Average equity | $31,923,500 | 2,164 |
| Average total loans | $157,446,000 | 2,488 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1692% | 5,059 |
| Cost of funding earning assets | 0.5991% | 4,913 |
| Net interest margin | 3.5701% | 4,386 |
| Noninterest income to average assets | 0.4082% | 4,590 |
| Noninterest expense to average assets | 2.4393% | 5,328 |
| Loan and lease loss provision to assets | 0.2460% | 2,600 |
| Net operating income to assets | 0.6105% | 4,330 |
| Return on assets (ROA) | 0.6105% | 4,578 |
| Pretax return on assets | 1.0187% | 3,640 |
| Return on Equity (ROE) | 4.0867% | 5,222 |
| Retained earnings to average equity (ytd only) | 3.1718% | 4,504 |
| Net charge-offs to loans | 0.1172% | 4,001 |
| Credit loss provision to net charge-offs | 290.3226% | 1,007 |
| Earnings coverage of net charge-offs (x) | 14.9247% | 1,676 |
| Efficiency ratio | 65.8549% | 4,558 |
| Assets per employee ($millions) | 6.1019% | 1,167 |
| Cash dividends to net income (ytd only)* | 22.3881% | 2,892 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2274% | 5,224 |
| Loan loss allowance to noncurrent loans | 64.4218% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 1.3857% | 3,653 |
| Noncurrent loans to loans | 1.9053% | 3,068 |
| Net loans and leases to total assets | 71.8392% | 1,584 |
| Net loans and leases to deposits | 87.5247% | 1,421 |
| Net loans and leases to core deposits | 103.8997% | 867 |
| Total domestic deposits to total assets | 82.0788% | 5,099 |
| Equity capital to assets | 15.0678% | 769 |
| Core capital (leverage) ratio | 15.1499% | 573 |
| Tier 1 risk-based capital ratio | 19.9821% | 1,706 |
| Total risk-based capital ratio | 21.1654% | 1,691 |
| Memoranda: |
| Average total assets | $219,491,330 | 2,874 |
| Average earning assets | $202,629,000 | 2,847 |
| Average equity | $32,789,000 | 2,098 |
| Average total loans | $158,711,670 | 2,477 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2011% | 5,100 |
| Cost of funding earning assets | 0.6019% | 5,108 |
| Net interest margin | 3.5993% | 4,276 |
| Noninterest income to average assets | 0.3865% | 4,772 |
| Noninterest expense to average assets | 2.5724% | 4,916 |
| Loan and lease loss provision to assets | 0.2461% | 2,499 |
| Net operating income to assets | 0.4740% | 4,935 |
| Return on assets (ROA) | 0.4740% | 5,131 |
| Pretax return on assets | 0.8824% | 4,097 |
| Return on Equity (ROE) | 3.1869% | 5,635 |
| Retained earnings to average equity (ytd only) | 1.3483% | 5,562 |
| Net charge-offs to loans | 0.2251% | 2,797 |
| Credit loss provision to net charge-offs | 151.6854% | 1,651 |
| Earnings coverage of net charge-offs (x) | 6.9551% | 2,134 |
| Efficiency ratio | 69.5074% | 3,900 |
| Assets per employee ($millions) | 5.4552% | 1,736 |
| Cash dividends to net income (ytd only)* | 57.6923% | 1,257 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1628% | 5,661 |
| Loan loss allowance to noncurrent loans | 122.2445% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 0.6860% | 5,185 |
| Noncurrent loans to loans | 0.9512% | 4,772 |
| Net loans and leases to total assets | 71.2821% | 1,522 |
| Net loans and leases to deposits | 86.8616% | 1,309 |
| Net loans and leases to core deposits | 103.7271% | 781 |
| Total domestic deposits to total assets | 82.0640% | 5,273 |
| Equity capital to assets | 14.9806% | 752 |
| Core capital (leverage) ratio | 14.5188% | 685 |
| Tier 1 risk-based capital ratio | 20.1064% | 1,684 |
| Total risk-based capital ratio | 21.2320% | 1,687 |
| Memoranda: |
| Average total assets | $219,403,500 | 2,901 |
| Average earning assets | $202,042,000 | 2,874 |
| Average equity | $32,634,000 | 2,105 |
| Average total loans | $158,183,500 | 2,506 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5751% | 4,771 |
| Cost of funding earning assets | 0.6903% | 5,606 |
| Net interest margin | 3.8848% | 3,401 |
| Noninterest income to average assets | 0.3384% | 5,108 |
| Noninterest expense to average assets | 2.6058% | 5,075 |
| Loan and lease loss provision to assets | 0.2923% | 3,322 |
| Net operating income to assets | 0.6209% | 3,882 |
| Return on assets (ROA) | 0.6722% | 3,815 |
| Pretax return on assets | 1.1124% | 2,789 |
| Return on Equity (ROE) | 4.4110% | 4,671 |
| Retained earnings to average equity (ytd only) | 2.5550% | 4,408 |
| Net charge-offs to loans | 0.3993% | 3,420 |
| Credit loss provision to net charge-offs | 94.0819% | 3,830 |
| Earnings coverage of net charge-offs (x) | 4.2640% | 3,190 |
| Efficiency ratio | 66.2989% | 4,709 |
| Assets per employee ($millions) | 5.3804% | 1,756 |
| Cash dividends to net income (ytd only)* | 42.0757% | 2,466 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1221% | 5,730 |
| Loan loss allowance to noncurrent loans | 92.2441% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 0.8767% | 4,873 |
| Noncurrent loans to loans | 1.2164% | 4,333 |
| Net loans and leases to total assets | 71.2649% | 1,773 |
| Net loans and leases to deposits | 86.6328% | 1,590 |
| Net loans and leases to core deposits | 101.6501% | 1,054 |
| Total domestic deposits to total assets | 82.2609% | 5,043 |
| Equity capital to assets | 14.7685% | 831 |
| Core capital (leverage) ratio | 14.4326% | 729 |
| Tier 1 risk-based capital ratio | 19.9809% | 1,649 |
| Total risk-based capital ratio | 21.0750% | 1,650 |
| Memoranda: |
| Average total assets | $212,145,600 | 2,918 |
| Average earning assets | $196,149,200 | 2,902 |
| Average equity | $32,328,600 | 2,062 |
| Average total loans | $165,049,000 | 2,425 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6787% | 4,554 |
| Cost of funding earning assets | 0.6846% | 5,855 |
| Net interest margin | 3.9941% | 2,933 |
| Noninterest income to average assets | 0.3250% | 5,267 |
| Noninterest expense to average assets | 2.6002% | 5,078 |
| Loan and lease loss provision to assets | 0.2571% | 3,446 |
| Net operating income to assets | 0.7040% | 3,602 |
| Return on assets (ROA) | 0.7040% | 3,768 |
| Pretax return on assets | 1.1566% | 2,800 |
| Return on Equity (ROE) | 4.5826% | 4,729 |
| Retained earnings to average equity (ytd only) | 3.3430% | 4,344 |
| Net charge-offs to loans | 0.4475% | 2,934 |
| Credit loss provision to net charge-offs | 72.4508% | 4,401 |
| Earnings coverage of net charge-offs (x) | 3.9839% | 3,227 |
| Efficiency ratio | 64.7794% | 4,938 |
| Assets per employee ($millions) | 5.4748% | 1,625 |
| Cash dividends to net income (ytd only)* | 27.0514% | 2,624 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0278% | 6,134 |
| Loan loss allowance to noncurrent loans | 111.1259% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 0.7594% | 5,256 |
| Noncurrent loans to loans | 0.9249% | 5,030 |
| Net loans and leases to total assets | 73.3435% | 1,445 |
| Net loans and leases to deposits | 89.4004% | 1,277 |
| Net loans and leases to core deposits | 108.8391% | 731 |
| Total domestic deposits to total assets | 82.0394% | 5,077 |
| Equity capital to assets | 14.9148% | 875 |
| Core capital (leverage) ratio | 14.9328% | 681 |
| Tier 1 risk-based capital ratio | 18.1292% | 2,208 |
| Total risk-based capital ratio | 19.0579% | 2,297 |
| Memoranda: |
| Average total assets | $210,032,500 | 2,961 |
| Average earning assets | $193,980,500 | 2,937 |
| Average equity | $32,266,000 | 2,058 |
| Average total loans | $166,563,000 | 2,423 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7858% | 4,151 |
| Cost of funding earning assets | 0.6994% | 5,966 |
| Net interest margin | 4.0864% | 2,459 |
| Noninterest income to average assets | 0.3313% | 5,243 |
| Noninterest expense to average assets | 2.6477% | 5,014 |
| Loan and lease loss provision to assets | 0.2608% | 3,314 |
| Net operating income to assets | 0.7428% | 3,328 |
| Return on assets (ROA) | 0.7428% | 3,451 |
| Pretax return on assets | 1.1930% | 2,512 |
| Return on Equity (ROE) | 4.7862% | 4,554 |
| Retained earnings to average equity (ytd only) | 3.8526% | 3,751 |
| Net charge-offs to loans | 0.0631% | 5,016 |
| Credit loss provision to net charge-offs | 509.4340% | 596 |
| Earnings coverage of net charge-offs (x) | 28.3962% | 963 |
| Efficiency ratio | 64.5549% | 5,139 |
| Assets per employee ($millions) | 5.2625% | 1,806 |
| Cash dividends to net income (ytd only)* | 19.5059% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2107% | 5,500 |
| Loan loss allowance to noncurrent loans | 117.1740% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.8271% | 5,228 |
| Noncurrent loans to loans | 1.0333% | 4,931 |
| Net loans and leases to total assets | 79.0751% | 643 |
| Net loans and leases to deposits | 97.3142% | 631 |
| Net loans and leases to core deposits | 128.7031% | 289 |
| Total domestic deposits to total assets | 81.2575% | 5,443 |
| Equity capital to assets | 15.4252% | 712 |
| Core capital (leverage) ratio | 15.4961% | 582 |
| Tier 1 risk-based capital ratio | 17.7008% | 2,265 |
| Total risk-based capital ratio | 18.8163% | 2,286 |
| Memoranda: |
| Average total assets | $207,046,670 | 3,008 |
| Average earning assets | $191,023,000 | 2,978 |
| Average equity | $32,134,000 | 2,056 |
| Average total loans | $167,989,670 | 2,434 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8239% | 3,941 |
| Cost of funding earning assets | 0.7039% | 6,108 |
| Net interest margin | 4.1200% | 2,190 |
| Noninterest income to average assets | 0.3000% | 5,519 |
| Noninterest expense to average assets | 2.6729% | 4,951 |
| Loan and lease loss provision to assets | 0.2630% | 3,030 |
| Net operating income to assets | 0.7403% | 3,323 |
| Return on assets (ROA) | 0.7403% | 3,386 |
| Pretax return on assets | 1.1611% | 2,511 |
| Return on Equity (ROE) | 4.7551% | 4,526 |
| Retained earnings to average equity (ytd only) | 2.8781% | 4,436 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2401% | 5,160 |
| Assets per employee ($millions) | 5.2475% | 1,828 |
| Cash dividends to net income (ytd only)* | 39.4737% | 1,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1644% | 5,784 |
| Loan loss allowance to noncurrent loans | 109.4466% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.8742% | 5,160 |
| Noncurrent loans to loans | 1.0639% | 4,926 |
| Net loans and leases to total assets | 81.2088% | 426 |
| Net loans and leases to deposits | 100.7017% | 433 |
| Net loans and leases to core deposits | 179.1321% | 95 |
| Total domestic deposits to total assets | 80.6429% | 5,774 |
| Equity capital to assets | 15.6757% | 632 |
| Core capital (leverage) ratio | 15.5007% | 580 |
| Tier 1 risk-based capital ratio | 17.8925% | 2,151 |
| Total risk-based capital ratio | 18.9879% | 2,170 |
| Memoranda: |
| Average total assets | $205,320,000 | 3,047 |
| Average earning assets | $189,225,000 | 3,024 |
| Average equity | $31,966,000 | 2,051 |
| Average total loans | $167,738,000 | 2,462 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9991% | 4,562 |
| Cost of funding earning assets | 0.8145% | 6,502 |
| Net interest margin | 4.1845% | 2,247 |
| Noninterest income to average assets | 0.3681% | 5,160 |
| Noninterest expense to average assets | 2.7337% | 4,831 |
| Loan and lease loss provision to assets | 0.3786% | 3,847 |
| Net operating income to assets | 0.5670% | 3,817 |
| Return on assets (ROA) | 0.5893% | 3,881 |
| Pretax return on assets | 1.1267% | 2,478 |
| Return on Equity (ROE) | 3.6137% | 4,693 |
| Retained earnings to average equity (ytd only) | 2.6973% | 3,973 |
| Net charge-offs to loans | 0.1149% | 5,728 |
| Credit loss provision to net charge-offs | 397.9058% | 619 |
| Earnings coverage of net charge-offs (x) | 15.4555% | 1,277 |
| Efficiency ratio | 65.0237% | 5,159 |
| Assets per employee ($millions) | 5.1497% | 1,944 |
| Cash dividends to net income (ytd only)* | 25.3593% | 3,240 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0895% | 5,986 |
| Loan loss allowance to noncurrent loans | 651.0714% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.1359% | 6,900 |
| Noncurrent loans to loans | 0.1673% | 6,735 |
| Net loans and leases to total assets | 80.3443% | 621 |
| Net loans and leases to deposits | 99.4741% | 610 |
| Net loans and leases to core deposits | 172.9848% | 121 |
| Total domestic deposits to total assets | 80.7691% | 5,603 |
| Equity capital to assets | 15.4627% | 688 |
| Core capital (leverage) ratio | 15.1561% | 639 |
| Tier 1 risk-based capital ratio | 18.3860% | 1,881 |
| Total risk-based capital ratio | 19.4416% | 1,905 |
| Memoranda: |
| Average total assets | $200,755,000 | 3,090 |
| Average earning assets | $184,034,400 | 3,076 |
| Average equity | $32,736,600 | 2,009 |
| Average total loans | $166,290,200 | 2,523 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0110% | 4,761 |
| Cost of funding earning assets | 0.8324% | 6,646 |
| Net interest margin | 4.1786% | 2,298 |
| Noninterest income to average assets | 0.3583% | 5,304 |
| Noninterest expense to average assets | 2.7054% | 4,858 |
| Loan and lease loss provision to assets | 0.2186% | 4,884 |
| Net operating income to assets | 0.7560% | 3,193 |
| Return on assets (ROA) | 0.7714% | 3,279 |
| Pretax return on assets | 1.2808% | 2,226 |
| Return on Equity (ROE) | 4.6685% | 4,466 |
| Retained earnings to average equity (ytd only) | 3.4548% | 4,018 |
| Net charge-offs to loans | 0.0546% | 5,975 |
| Credit loss provision to net charge-offs | 480.8824% | 615 |
| Earnings coverage of net charge-offs (x) | 32.4574% | 828 |
| Efficiency ratio | 64.7106% | 5,109 |
| Assets per employee ($millions) | 5.5377% | 1,598 |
| Cash dividends to net income (ytd only)* | 25.9965% | 2,714 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9099% | 6,712 |
| Loan loss allowance to noncurrent loans | 550.1818% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.1379% | 7,008 |
| Noncurrent loans to loans | 0.1654% | 6,854 |
| Net loans and leases to total assets | 82.6537% | 434 |
| Net loans and leases to deposits | 103.2735% | 465 |
| Net loans and leases to core deposits | 183.0133% | 103 |
| Total domestic deposits to total assets | 80.0338% | 5,701 |
| Equity capital to assets | 15.9593% | 686 |
| Core capital (leverage) ratio | 15.7481% | 601 |
| Tier 1 risk-based capital ratio | 18.6677% | 1,829 |
| Total risk-based capital ratio | 19.5580% | 1,887 |
| Memoranda: |
| Average total assets | $199,447,250 | 3,146 |
| Average earning assets | $182,448,500 | 3,142 |
| Average equity | $32,958,000 | 2,021 |
| Average total loans | $166,032,500 | 2,575 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0097% | 4,901 |
| Cost of funding earning assets | 0.8382% | 6,795 |
| Net interest margin | 4.1714% | 2,253 |
| Noninterest income to average assets | 0.3178% | 5,611 |
| Noninterest expense to average assets | 2.6860% | 4,967 |
| Loan and lease loss provision to assets | 0.1925% | 4,958 |
| Net operating income to assets | 0.7640% | 3,129 |
| Return on assets (ROA) | 0.7640% | 3,286 |
| Pretax return on assets | 1.2463% | 2,268 |
| Return on Equity (ROE) | 4.5713% | 4,508 |
| Retained earnings to average equity (ytd only) | 3.6714% | 3,762 |
| Net charge-offs to loans | 0.0807% | 5,329 |
| Credit loss provision to net charge-offs | 286.5672% | 1,298 |
| Earnings coverage of net charge-offs (x) | 21.4179% | 1,173 |
| Efficiency ratio | 65.1191% | 5,127 |
| Assets per employee ($millions) | 5.0603% | 2,108 |
| Cash dividends to net income (ytd only)* | 19.6850% | 2,902 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8232% | 6,979 |
| Loan loss allowance to noncurrent loans | 236.5352% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.2880% | 6,694 |
| Noncurrent loans to loans | 0.3480% | 6,539 |
| Net loans and leases to total assets | 82.0839% | 525 |
| Net loans and leases to deposits | 102.2582% | 582 |
| Net loans and leases to core deposits | 185.7065% | 111 |
| Total domestic deposits to total assets | 80.2712% | 5,643 |
| Equity capital to assets | 16.6395% | 580 |
| Core capital (leverage) ratio | 16.7922% | 465 |
| Tier 1 risk-based capital ratio | 19.5873% | 1,584 |
| Total risk-based capital ratio | 20.3918% | 1,653 |
| Memoranda: |
| Average total assets | $199,477,330 | 3,171 |
| Average earning assets | $182,047,670 | 3,173 |
| Average equity | $33,338,670 | 1,999 |
| Average total loans | $165,947,000 | 2,610 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1504% | 4,295 |
| Cost of funding earning assets | 0.8677% | 6,880 |
| Net interest margin | 4.2827% | 1,742 |
| Noninterest income to average assets | 0.2222% | 6,377 |
| Noninterest expense to average assets | 2.7089% | 4,866 |
| Loan and lease loss provision to assets | 0.1151% | 5,458 |
| Net operating income to assets | 0.7959% | 2,980 |
| Return on assets (ROA) | 0.7959% | 3,090 |
| Pretax return on assets | 1.2868% | 2,086 |
| Return on Equity (ROE) | 4.7516% | 4,500 |
| Retained earnings to average equity (ytd only) | 2.9426% | 4,366 |
| Net charge-offs to loans | 0.1938% | 3,753 |
| Credit loss provision to net charge-offs | 71.2500% | 4,075 |
| Earnings coverage of net charge-offs (x) | 8.6750% | 1,933 |
| Efficiency ratio | 65.8968% | 5,139 |
| Assets per employee ($millions) | 4.9229% | 2,341 |
| Cash dividends to net income (ytd only)* | 38.0711% | 1,814 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7501% | 7,241 |
| Loan loss allowance to noncurrent loans | 294.0334% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.2128% | 6,929 |
| Noncurrent loans to loans | 0.2551% | 6,826 |
| Net loans and leases to total assets | 82.7850% | 493 |
| Net loans and leases to deposits | 100.4647% | 725 |
| Net loans and leases to core deposits | 185.2855% | 119 |
| Total domestic deposits to total assets | 82.4021% | 4,888 |
| Equity capital to assets | 16.9114% | 543 |
| Core capital (leverage) ratio | 16.7624% | 475 |
| Tier 1 risk-based capital ratio | 19.7542% | 1,569 |
| Total risk-based capital ratio | 20.4871% | 1,639 |
| Memoranda: |
| Average total assets | $198,011,000 | 3,242 |
| Average earning assets | $179,793,500 | 3,253 |
| Average equity | $33,168,000 | 2,020 |
| Average total loans | $165,158,000 | 2,684 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3196% | 5,080 |
| Cost of funding earning assets | 1.1940% | 6,678 |
| Net interest margin | 4.1257% | 2,345 |
| Noninterest income to average assets | 0.3066% | 5,894 |
| Noninterest expense to average assets | 2.6540% | 5,581 |
| Loan and lease loss provision to assets | 0.0365% | 7,175 |
| Net operating income to assets | 0.8212% | 2,445 |
| Return on assets (ROA) | 0.8212% | 2,537 |
| Pretax return on assets | 1.3288% | 1,615 |
| Return on Equity (ROE) | 5.0270% | 3,657 |
| Retained earnings to average equity (ytd only) | 4.0949% | 2,349 |
| Net charge-offs to loans | 0.0183% | 6,965 |
| Credit loss provision to net charge-offs | 240.0000% | 1,495 |
| Earnings coverage of net charge-offs (x) | 89.6667% | 306 |
| Efficiency ratio | 66.0311% | 5,386 |
| Assets per employee ($millions) | 4.9777% | 2,250 |
| Cash dividends to net income (ytd only)* | 18.5414% | 3,697 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7557% | 7,246 |
| Loan loss allowance to noncurrent loans | 1,410.1124% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.0447% | 7,393 |
| Noncurrent loans to loans | 0.0536% | 7,290 |
| Net loans and leases to total assets | 82.7761% | 570 |
| Net loans and leases to deposits | 100.0619% | 898 |
| Net loans and leases to core deposits | 221.6837% | 62 |
| Total domestic deposits to total assets | 82.7249% | 4,647 |
| Equity capital to assets | 16.5916% | 604 |
| Core capital (leverage) ratio | 16.4137% | 559 |
| Tier 1 risk-based capital ratio | 19.4633% | 1,565 |
| Total risk-based capital ratio | 20.2043% | 1,631 |
| Memoranda: |
| Average total assets | $197,021,400 | 3,214 |
| Average earning assets | $177,305,000 | 3,249 |
| Average equity | $32,186,400 | 2,076 |
| Average total loans | $163,922,400 | 2,700 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3469% | 5,189 |
| Cost of funding earning assets | 1.2708% | 6,656 |
| Net interest margin | 4.0761% | 2,491 |
| Noninterest income to average assets | 0.3094% | 6,010 |
| Noninterest expense to average assets | 2.6802% | 5,409 |
| Loan and lease loss provision to assets | 0.0366% | 6,992 |
| Net operating income to assets | 0.7504% | 3,023 |
| Return on assets (ROA) | 0.7504% | 3,079 |
| Pretax return on assets | 1.2532% | 2,100 |
| Return on Equity (ROE) | 4.6119% | 4,110 |
| Retained earnings to average equity (ytd only) | 3.3610% | 3,423 |
| Net charge-offs to loans | 0.0245% | 6,544 |
| Credit loss provision to net charge-offs | 180.0000% | 2,544 |
| Earnings coverage of net charge-offs (x) | 63.3650% | 514 |
| Efficiency ratio | 67.5098% | 5,071 |
| Assets per employee ($millions) | 5.0060% | 2,134 |
| Cash dividends to net income (ytd only)* | 27.1248% | 2,979 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7510% | 7,258 |
| Loan loss allowance to noncurrent loans | 24,720.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 7,608 |
| Noncurrent loans to loans | 0.0030% | 7,532 |
| Net loans and leases to total assets | 81.5770% | 884 |
| Net loans and leases to deposits | 98.2740% | 1,294 |
| Net loans and leases to core deposits | 225.7262% | 63 |
| Total domestic deposits to total assets | 83.0098% | 4,218 |
| Equity capital to assets | 16.2266% | 757 |
| Core capital (leverage) ratio | 16.2877% | 638 |
| Tier 1 risk-based capital ratio | 19.1779% | 1,706 |
| Total risk-based capital ratio | 19.9083% | 1,787 |
| Memoranda: |
| Average total assets | $196,500,000 | 3,239 |
| Average earning assets | $176,472,500 | 3,282 |
| Average equity | $31,974,250 | 2,112 |
| Average total loans | $163,386,000 | 2,737 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4432% | 4,925 |
| Cost of funding earning assets | 1.3737% | 6,572 |
| Net interest margin | 4.0695% | 2,438 |
| Noninterest income to average assets | 0.3042% | 6,089 |
| Noninterest expense to average assets | 2.6632% | 5,502 |
| Loan and lease loss provision to assets | 0.0369% | 6,870 |
| Net operating income to assets | 0.7344% | 3,118 |
| Return on assets (ROA) | 0.7344% | 3,221 |
| Pretax return on assets | 1.2425% | 2,185 |
| Return on Equity (ROE) | 4.5092% | 4,299 |
| Retained earnings to average equity (ytd only) | 3.5659% | 3,316 |
| Net charge-offs to loans | 0.0196% | 6,242 |
| Credit loss provision to net charge-offs | 225.0000% | 2,045 |
| Earnings coverage of net charge-offs (x) | 78.0625% | 493 |
| Efficiency ratio | 67.5500% | 5,243 |
| Assets per employee ($millions) | 4.9720% | 2,107 |
| Cash dividends to net income (ytd only)* | 20.9205% | 3,135 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7533% | 7,294 |
| Loan loss allowance to noncurrent loans | 5,604.5455% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.0113% | 7,610 |
| Noncurrent loans to loans | 0.0134% | 7,527 |
| Net loans and leases to total assets | 83.7790% | 669 |
| Net loans and leases to deposits | 101.3804% | 1,128 |
| Net loans and leases to core deposits | 232.0057% | 68 |
| Total domestic deposits to total assets | 82.6382% | 4,407 |
| Equity capital to assets | 16.6155% | 730 |
| Core capital (leverage) ratio | 16.4248% | 688 |
| Tier 1 risk-based capital ratio | 19.2215% | 1,737 |
| Total risk-based capital ratio | 19.9572% | 1,787 |
| Memoranda: |
| Average total assets | $195,253,670 | 3,276 |
| Average earning assets | $174,565,330 | 3,338 |
| Average equity | $31,801,670 | 2,129 |
| Average total loans | $162,986,330 | 2,769 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4901% | 4,964 |
| Cost of funding earning assets | 1.4967% | 6,409 |
| Net interest margin | 3.9934% | 2,671 |
| Noninterest income to average assets | 0.2715% | 6,265 |
| Noninterest expense to average assets | 2.6479% | 5,227 |
| Loan and lease loss provision to assets | 0.0367% | 6,487 |
| Net operating income to assets | 0.6513% | 3,795 |
| Return on assets (ROA) | 0.6513% | 3,979 |
| Pretax return on assets | 1.1004% | 2,986 |
| Return on Equity (ROE) | 4.0389% | 4,912 |
| Retained earnings to average equity (ytd only) | 2.1397% | 4,679 |
| Net charge-offs to loans | 0.0369% | 4,996 |
| Credit loss provision to net charge-offs | 120.0000% | 3,275 |
| Earnings coverage of net charge-offs (x) | 37.1333% | 900 |
| Efficiency ratio | 69.9569% | 4,587 |
| Assets per employee ($millions) | 4.8946% | 2,189 |
| Cash dividends to net income (ytd only)* | 47.0219% | 1,861 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7337% | 7,351 |
| Loan loss allowance to noncurrent loans | 17,371.4286% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 7,650 |
| Noncurrent loans to loans | 0.0042% | 7,570 |
| Net loans and leases to total assets | 84.0348% | 685 |
| Net loans and leases to deposits | 101.1882% | 1,260 |
| Net loans and leases to core deposits | 230.0952% | 87 |
| Total domestic deposits to total assets | 83.0480% | 4,126 |
| Equity capital to assets | 16.1981% | 839 |
| Core capital (leverage) ratio | 16.2357% | 750 |
| Tier 1 risk-based capital ratio | 18.8282% | 1,853 |
| Total risk-based capital ratio | 19.5473% | 1,940 |
| Memoranda: |
| Average total assets | $195,926,000 | 3,288 |
| Average earning assets | $172,382,500 | 3,380 |
| Average equity | $31,593,000 | 2,141 |
| Average total loans | $162,635,500 | 2,802 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6814% | 6,832 |
| Cost of funding earning assets | 1.9422% | 6,608 |
| Net interest margin | 3.7392% | 4,282 |
| Noninterest income to average assets | 0.3224% | 6,145 |
| Noninterest expense to average assets | 2.5650% | 5,771 |
| Loan and lease loss provision to assets | 0.0391% | 6,927 |
| Net operating income to assets | 0.6582% | 4,073 |
| Return on assets (ROA) | 0.5558% | 4,355 |
| Pretax return on assets | 0.8695% | 3,825 |
| Return on Equity (ROE) | 3.3381% | 5,104 |
| Retained earnings to average equity (ytd only) | 2.3601% | 3,733 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5900% | 4,233 |
| Assets per employee ($millions) | 4.9018% | 2,046 |
| Cash dividends to net income (ytd only)* | 29.2969% | 4,138 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7604% | 7,245 |
| Loan loss allowance to noncurrent loans | 1,410.4651% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.0439% | 7,411 |
| Noncurrent loans to loans | 0.0539% | 7,293 |
| Net loans and leases to total assets | 80.7451% | 1,497 |
| Net loans and leases to deposits | 96.9872% | 2,292 |
| Net loans and leases to core deposits | 204.8483% | 156 |
| Total domestic deposits to total assets | 83.2534% | 3,670 |
| Equity capital to assets | 16.0519% | 920 |
| Core capital (leverage) ratio | 15.9445% | 838 |
| Tier 1 risk-based capital ratio | 18.9829% | 1,817 |
| Total risk-based capital ratio | 19.7105% | 1,873 |
| Memoranda: |
| Average total assets | $184,248,600 | 3,352 |
| Average earning assets | $163,164,200 | 3,429 |
| Average equity | $30,676,200 | 2,198 |
| Average total loans | $147,162,400 | 2,975 |
