| 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 | 4.7238% | 2,623 |
| Cost of funding earning assets | 1.4775% | 1,997 |
| Net interest margin | 3.2464% | 2,754 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 2.0217% | 3,578 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.9912% | 2,252 |
| Return on assets (ROA) | 0.9912% | 2,230 |
| Pretax return on assets | 1.5199% | 1,373 |
| Return on Equity (ROE) | 10.9900% | 2,229 |
| Retained earnings to average equity (ytd only) | 10.9857% | 796 |
| Net charge-offs to loans | 0.0011% | 2,827 |
| Credit loss provision to net charge-offs | 5,375.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 1,801.5000% | 89 |
| Efficiency ratio | 56.2530% | 3,474 |
| Assets per employee ($millions) | 11.7636% | 436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4850% | 1,100 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 79.0400% | 759 |
| Net loans and leases to deposits | 92.7577% | 1,034 |
| Net loans and leases to core deposits | 122.1272% | 566 |
| Total domestic deposits to total assets | 85.2100% | 2,244 |
| Equity capital to assets | 9.4830% | 2,357 |
| Core capital (leverage) ratio | 10.7119% | 2,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9195% | 1,556 |
| Memoranda: |
| Average total assets | $458,330,000 | 1,827 |
| Average earning assets | $432,423,400 | 1,801 |
| Average equity | $41,353,600 | 1,835 |
| Average total loans | $362,085,000 | 1,572 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6031% | 2,670 |
| Cost of funding earning assets | 1.3088% | 2,126 |
| Net interest margin | 3.2943% | 2,696 |
| Noninterest income to average assets | 0.4800% | 2,060 |
| Noninterest expense to average assets | 2.0046% | 3,589 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.1951% | 1,811 |
| Return on assets (ROA) | 1.1951% | 1,797 |
| Pretax return on assets | 1.5325% | 1,501 |
| Return on Equity (ROE) | 13.4200% | 1,816 |
| Retained earnings to average equity (ytd only) | 13.4230% | 754 |
| Net charge-offs to loans | 0.0037% | 2,364 |
| Credit loss provision to net charge-offs | 1,800.0000% | 264 |
| Earnings coverage of net charge-offs (x) | 541.3000% | 289 |
| Efficiency ratio | 55.8411% | 3,410 |
| Assets per employee ($millions) | 11.4557% | 441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5043% | 1,103 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 79.5200% | 700 |
| Net loans and leases to deposits | 93.8234% | 910 |
| Net loans and leases to core deposits | 119.1726% | 573 |
| Total domestic deposits to total assets | 84.7500% | 2,579 |
| Equity capital to assets | 8.9331% | 2,458 |
| Core capital (leverage) ratio | 10.9603% | 2,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1422% | 1,524 |
| Memoranda: |
| Average total assets | $455,276,250 | 1,836 |
| Average earning assets | $429,298,250 | 1,808 |
| Average equity | $40,536,500 | 1,851 |
| Average total loans | $358,226,250 | 1,583 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4988% | 2,647 |
| Cost of funding earning assets | 1.1314% | 2,192 |
| Net interest margin | 3.3675% | 2,601 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 1.9855% | 3,628 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.2138% | 1,795 |
| Return on assets (ROA) | 1.2138% | 1,778 |
| Pretax return on assets | 1.6249% | 1,361 |
| Return on Equity (ROE) | 13.6500% | 1,760 |
| Retained earnings to average equity (ytd only) | 13.6472% | 728 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 54.2002% | 3,591 |
| Assets per employee ($millions) | 11.4121% | 451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5374% | 1,071 |
| Loan loss allowance to noncurrent loans | 55,150.0000% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 3,878 |
| Noncurrent loans to loans | 0.0028% | 3,812 |
| Net loans and leases to total assets | 77.3700% | 903 |
| Net loans and leases to deposits | 90.3576% | 1,162 |
| Net loans and leases to core deposits | 112.5556% | 728 |
| Total domestic deposits to total assets | 85.6300% | 2,352 |
| Equity capital to assets | 9.1293% | 2,422 |
| Core capital (leverage) ratio | 10.7784% | 2,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2611% | 1,492 |
| Memoranda: |
| Average total assets | $454,292,333 | 1,842 |
| Average earning assets | $428,512,333 | 1,813 |
| Average equity | $40,404,000 | 1,862 |
| Average total loans | $354,325,667 | 1,586 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4100% | 2,526 |
| Cost of funding earning assets | 0.8989% | 2,378 |
| Net interest margin | 3.5111% | 2,332 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 1.9532% | 3,739 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.3133% | 1,638 |
| Return on assets (ROA) | 1.3133% | 1,608 |
| Pretax return on assets | 1.7617% | 1,146 |
| Return on Equity (ROE) | 14.9700% | 1,555 |
| Retained earnings to average equity (ytd only) | 14.9664% | 805 |
| Net charge-offs to loans | 0.0011% | 2,014 |
| Credit loss provision to net charge-offs | 6,000.0000% | 78 |
| Earnings coverage of net charge-offs (x) | 2,056.0000% | 40 |
| Efficiency ratio | 51.8388% | 3,792 |
| Assets per employee ($millions) | 12.6821% | 325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5233% | 1,191 |
| Loan loss allowance to noncurrent loans | 54,550.0000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 3,898 |
| Noncurrent loans to loans | 0.0028% | 3,838 |
| Net loans and leases to total assets | 79.4500% | 595 |
| Net loans and leases to deposits | 94.4023% | 769 |
| Net loans and leases to core deposits | 103.2621% | 952 |
| Total domestic deposits to total assets | 84.1600% | 3,061 |
| Equity capital to assets | 9.2263% | 2,339 |
| Core capital (leverage) ratio | 10.5643% | 2,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8283% | 1,674 |
| Memoranda: |
| Average total assets | $453,196,000 | 1,869 |
| Average earning assets | $426,759,000 | 1,841 |
| Average equity | $39,769,000 | 1,912 |
| Average total loans | $352,133,000 | 1,608 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6554% | 2,650 |
| Cost of funding earning assets | 0.3209% | 2,718 |
| Net interest margin | 3.3345% | 2,472 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 2.2453% | 2,909 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1101% | 2,123 |
| Return on assets (ROA) | 1.1101% | 2,060 |
| Pretax return on assets | 1.4804% | 1,511 |
| Return on Equity (ROE) | 12.7000% | 1,904 |
| Retained earnings to average equity (ytd only) | 12.6964% | 554 |
| Net charge-offs to loans | -0.0006% | 3,319 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.2646% | 3,022 |
| Assets per employee ($millions) | 12.8478% | 317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5585% | 1,050 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 73.6800% | 1,249 |
| Net loans and leases to deposits | 86.2727% | 1,292 |
| Net loans and leases to core deposits | 88.6047% | 1,574 |
| Total domestic deposits to total assets | 85.4000% | 2,883 |
| Equity capital to assets | 8.3424% | 2,824 |
| Core capital (leverage) ratio | 10.2470% | 2,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6744% | 1,740 |
| Memoranda: |
| Average total assets | $438,252,600 | 1,891 |
| Average earning assets | $410,434,400 | 1,879 |
| Average equity | $38,318,000 | 1,981 |
| Average total loans | $315,307,000 | 1,658 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4571% | 2,755 |
| Cost of funding earning assets | 0.2379% | 2,841 |
| Net interest margin | 3.2192% | 2,570 |
| Noninterest income to average assets | 0.6500% | 1,510 |
| Noninterest expense to average assets | 1.9713% | 3,553 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2686% | 1,458 |
| Return on assets (ROA) | 1.2686% | 1,423 |
| Pretax return on assets | 1.6968% | 908 |
| Return on Equity (ROE) | 14.3300% | 1,342 |
| Retained earnings to average equity (ytd only) | 14.3329% | 427 |
| Net charge-offs to loans | -0.0009% | 3,157 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 53.7426% | 3,840 |
| Assets per employee ($millions) | 11.3419% | 465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5851% | 1,095 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 75.7200% | 935 |
| Net loans and leases to deposits | 88.5944% | 992 |
| Net loans and leases to core deposits | 90.9786% | 1,239 |
| Total domestic deposits to total assets | 85.4700% | 3,185 |
| Equity capital to assets | 8.2126% | 2,745 |
| Core capital (leverage) ratio | 10.2273% | 2,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6206% | 1,835 |
| Memoranda: |
| Average total assets | $432,186,000 | 1,922 |
| Average earning assets | $404,647,000 | 1,908 |
| Average equity | $38,251,250 | 2,014 |
| Average total loans | $307,590,500 | 1,679 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2559% | 2,885 |
| Cost of funding earning assets | 0.2084% | 2,803 |
| Net interest margin | 3.0475% | 2,730 |
| Noninterest income to average assets | 0.6660% | 1,476 |
| Noninterest expense to average assets | 1.9599% | 3,551 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1670% | 1,551 |
| Return on assets (ROA) | 1.1670% | 1,521 |
| Pretax return on assets | 1.5574% | 1,033 |
| Return on Equity (ROE) | 12.8662% | 1,411 |
| Retained earnings to average equity (ytd only) | 12.8662% | 479 |
| Net charge-offs to loans | -0.0007% | 3,003 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7221% | 3,803 |
| Assets per employee ($millions) | 10.8838% | 517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7182% | 934 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 72.6883% | 1,040 |
| Net loans and leases to deposits | 85.8921% | 983 |
| Net loans and leases to core deposits | 88.4486% | 1,197 |
| Total domestic deposits to total assets | 84.6275% | 3,560 |
| Equity capital to assets | 8.7463% | 2,575 |
| Core capital (leverage) ratio | 10.1388% | 2,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8915% | 1,737 |
| Memoranda: |
| Average total assets | $428,803,333 | 1,944 |
| Average earning assets | $401,182,000 | 1,941 |
| Average equity | $38,892,667 | 2,046 |
| Average total loans | $296,670,667 | 1,718 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1153% | 2,933 |
| Cost of funding earning assets | 0.2129% | 2,625 |
| Net interest margin | 2.9024% | 2,827 |
| Noninterest income to average assets | 0.6562% | 1,462 |
| Noninterest expense to average assets | 1.9055% | 3,672 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1026% | 1,525 |
| Return on assets (ROA) | 1.1026% | 1,514 |
| Pretax return on assets | 1.4711% | 1,074 |
| Return on Equity (ROE) | 11.9468% | 1,328 |
| Retained earnings to average equity (ytd only) | 11.9468% | 613 |
| Net charge-offs to loans | -0.0014% | 3,051 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4321% | 3,836 |
| Assets per employee ($millions) | 11.2967% | 469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8535% | 804 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 66.5377% | 1,362 |
| Net loans and leases to deposits | 78.6486% | 1,236 |
| Net loans and leases to core deposits | 81.2046% | 1,404 |
| Total domestic deposits to total assets | 84.6012% | 3,635 |
| Equity capital to assets | 8.9036% | 2,798 |
| Core capital (leverage) ratio | 9.8197% | 2,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5026% | 1,644 |
| Memoranda: |
| Average total assets | $430,971,500 | 1,946 |
| Average earning assets | $403,939,000 | 1,937 |
| Average equity | $39,776,500 | 2,063 |
| Average total loans | $288,040,000 | 1,747 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0865% | 3,711 |
| Cost of funding earning assets | 0.2965% | 2,437 |
| Net interest margin | 2.7900% | 3,685 |
| Noninterest income to average assets | 0.9641% | 1,067 |
| Noninterest expense to average assets | 2.0715% | 3,466 |
| Loan and lease loss provision to assets | 0.1130% | 1,115 |
| Net operating income to assets | 1.0688% | 2,421 |
| Return on assets (ROA) | 1.0688% | 2,495 |
| Pretax return on assets | 1.4294% | 1,949 |
| Return on Equity (ROE) | 11.0394% | 2,153 |
| Retained earnings to average equity (ytd only) | 6.1752% | 2,283 |
| Net charge-offs to loans | -0.0007% | 3,250 |
| Credit loss provision to net charge-offs | -24,000.0000% | 4,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3206% | 3,542 |
| Assets per employee ($millions) | 12.3620% | 364 |
| Cash dividends to net income (ytd only)* | 44.0626% | 1,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8919% | 739 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 64.6369% | 1,631 |
| Net loans and leases to deposits | 76.7094% | 1,512 |
| Net loans and leases to core deposits | 79.7195% | 1,620 |
| Total domestic deposits to total assets | 84.2621% | 3,483 |
| Equity capital to assets | 9.5528% | 3,098 |
| Core capital (leverage) ratio | 9.4096% | 2,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8704% | 1,557 |
| Memoranda: |
| Average total assets | $424,662,200 | 1,914 |
| Average earning assets | $403,331,400 | 1,897 |
| Average equity | $41,116,200 | 2,049 |
| Average total loans | $291,589,600 | 1,742 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1137% | 3,781 |
| Cost of funding earning assets | 0.3107% | 2,492 |
| Net interest margin | 2.8030% | 3,775 |
| Noninterest income to average assets | 0.8599% | 1,348 |
| Noninterest expense to average assets | 1.9072% | 3,927 |
| Loan and lease loss provision to assets | 0.1136% | 1,056 |
| Net operating income to assets | 1.1218% | 2,473 |
| Return on assets (ROA) | 1.1218% | 2,532 |
| Pretax return on assets | 1.5000% | 1,988 |
| Return on Equity (ROE) | 11.5464% | 2,195 |
| Retained earnings to average equity (ytd only) | 11.5464% | 929 |
| Net charge-offs to loans | -0.0082% | 3,596 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,991 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1708% | 3,786 |
| Assets per employee ($millions) | 11.7985% | 393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8985% | 774 |
| Loan loss allowance to noncurrent loans | 29,383.3333% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 4,230 |
| Noncurrent loans to loans | 0.0065% | 4,158 |
| Net loans and leases to total assets | 64.3453% | 1,726 |
| Net loans and leases to deposits | 76.8881% | 1,585 |
| Net loans and leases to core deposits | 80.0466% | 1,727 |
| Total domestic deposits to total assets | 83.6870% | 3,542 |
| Equity capital to assets | 10.0048% | 2,895 |
| Core capital (leverage) ratio | 9.9729% | 2,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2981% | 1,542 |
| Memoranda: |
| Average total assets | $422,660,500 | 1,939 |
| Average earning assets | $401,227,500 | 1,919 |
| Average equity | $41,062,250 | 2,074 |
| Average total loans | $293,222,750 | 1,763 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1449% | 3,779 |
| Cost of funding earning assets | 0.3290% | 2,498 |
| Net interest margin | 2.8159% | 3,757 |
| Noninterest income to average assets | 0.8697% | 1,358 |
| Noninterest expense to average assets | 1.9101% | 3,936 |
| Loan and lease loss provision to assets | 0.1138% | 1,106 |
| Net operating income to assets | 1.1437% | 2,390 |
| Return on assets (ROA) | 1.1437% | 2,451 |
| Pretax return on assets | 1.5276% | 1,930 |
| Return on Equity (ROE) | 11.8912% | 2,109 |
| Retained earnings to average equity (ytd only) | 11.8912% | 944 |
| Net charge-offs to loans | -0.0007% | 3,054 |
| Credit loss provision to net charge-offs | -24,000.0000% | 4,103 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7835% | 3,832 |
| Assets per employee ($millions) | 11.1551% | 442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7700% | 933 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 67.4528% | 1,521 |
| Net loans and leases to deposits | 80.5470% | 1,377 |
| Net loans and leases to core deposits | 84.0004% | 1,561 |
| Total domestic deposits to total assets | 83.7434% | 3,516 |
| Equity capital to assets | 9.8529% | 3,005 |
| Core capital (leverage) ratio | 9.6371% | 2,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4746% | 1,475 |
| Memoranda: |
| Average total assets | $421,965,333 | 1,932 |
| Average earning assets | $401,862,000 | 1,905 |
| Average equity | $40,584,667 | 2,079 |
| Average total loans | $298,099,333 | 1,755 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1006% | 3,878 |
| Cost of funding earning assets | 0.3485% | 2,531 |
| Net interest margin | 2.7521% | 3,862 |
| Noninterest income to average assets | 0.8770% | 1,390 |
| Noninterest expense to average assets | 1.8670% | 4,063 |
| Loan and lease loss provision to assets | 0.1140% | 1,210 |
| Net operating income to assets | 1.1563% | 2,314 |
| Return on assets (ROA) | 1.1563% | 2,380 |
| Pretax return on assets | 1.5449% | 1,868 |
| Return on Equity (ROE) | 12.1718% | 1,959 |
| Retained earnings to average equity (ytd only) | 12.1718% | 1,108 |
| Net charge-offs to loans | -0.0013% | 3,068 |
| Credit loss provision to net charge-offs | -12,000.0000% | 3,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9507% | 3,919 |
| Assets per employee ($millions) | 12.1962% | 331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6328% | 1,207 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 71.0181% | 1,152 |
| Net loans and leases to deposits | 85.7338% | 978 |
| Net loans and leases to core deposits | 91.0547% | 1,167 |
| Total domestic deposits to total assets | 82.8356% | 3,729 |
| Equity capital to assets | 9.4362% | 3,258 |
| Core capital (leverage) ratio | 9.6098% | 2,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2883% | 1,479 |
| Memoranda: |
| Average total assets | $421,000,500 | 1,928 |
| Average earning assets | $405,212,000 | 1,888 |
| Average equity | $39,994,000 | 2,088 |
| Average total loans | $301,608,500 | 1,738 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6167% | 3,765 |
| Cost of funding earning assets | 0.5175% | 2,828 |
| Net interest margin | 3.0991% | 3,626 |
| Noninterest income to average assets | 1.0380% | 983 |
| Noninterest expense to average assets | 2.0542% | 4,034 |
| Loan and lease loss provision to assets | 0.2461% | 1,573 |
| Net operating income to assets | 1.2697% | 1,337 |
| Return on assets (ROA) | 1.2697% | 1,439 |
| Pretax return on assets | 1.7071% | 842 |
| Return on Equity (ROE) | 12.3183% | 1,228 |
| Retained earnings to average equity (ytd only) | 7.1566% | 1,338 |
| Net charge-offs to loans | 0.0059% | 3,134 |
| Credit loss provision to net charge-offs | 5,441.1765% | 196 |
| Earnings coverage of net charge-offs (x) | 431.8824% | 260 |
| Efficiency ratio | 51.2613% | 4,445 |
| Assets per employee ($millions) | 11.8610% | 328 |
| Cash dividends to net income (ytd only)* | 41.9024% | 2,272 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6646% | 1,126 |
| Loan loss allowance to noncurrent loans | 1,088.9135% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.1086% | 3,753 |
| Noncurrent loans to loans | 0.1529% | 3,674 |
| Net loans and leases to total assets | 69.8862% | 1,576 |
| Net loans and leases to deposits | 84.6740% | 1,391 |
| Net loans and leases to core deposits | 91.6081% | 1,415 |
| Total domestic deposits to total assets | 82.5356% | 3,527 |
| Equity capital to assets | 9.5651% | 3,542 |
| Core capital (leverage) ratio | 9.2612% | 3,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8605% | 1,579 |
| Memoranda: |
| Average total assets | $375,909,600 | 1,937 |
| Average earning assets | $360,164,600 | 1,902 |
| Average equity | $38,747,200 | 2,070 |
| Average total loans | $287,251,600 | 1,737 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7501% | 3,681 |
| Cost of funding earning assets | 0.5472% | 2,952 |
| Net interest margin | 3.2029% | 3,487 |
| Noninterest income to average assets | 1.1658% | 778 |
| Noninterest expense to average assets | 2.0227% | 4,100 |
| Loan and lease loss provision to assets | 0.3095% | 1,291 |
| Net operating income to assets | 1.4061% | 1,087 |
| Return on assets (ROA) | 1.4061% | 1,179 |
| Pretax return on assets | 1.8967% | 637 |
| Return on Equity (ROE) | 13.3687% | 1,014 |
| Retained earnings to average equity (ytd only) | 13.3687% | 298 |
| Net charge-offs to loans | 0.0005% | 3,231 |
| Credit loss provision to net charge-offs | 85,000.0000% | 8 |
| Earnings coverage of net charge-offs (x) | 6,058.0000% | 6 |
| Efficiency ratio | 47.8298% | 4,620 |
| Assets per employee ($millions) | 11.5879% | 345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5443% | 1,257 |
| Loan loss allowance to noncurrent loans | 271.9731% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.4399% | 2,426 |
| Noncurrent loans to loans | 0.5678% | 2,377 |
| Net loans and leases to total assets | 76.2697% | 1,059 |
| Net loans and leases to deposits | 93.4608% | 963 |
| Net loans and leases to core deposits | 101.5622% | 1,059 |
| Total domestic deposits to total assets | 81.6061% | 3,515 |
| Equity capital to assets | 10.0396% | 3,193 |
| Core capital (leverage) ratio | 9.9157% | 2,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2583% | 1,434 |
| Memoranda: |
| Average total assets | $366,103,250 | 1,953 |
| Average earning assets | $350,131,000 | 1,921 |
| Average equity | $38,507,000 | 2,067 |
| Average total loans | $285,306,250 | 1,742 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9164% | 3,570 |
| Cost of funding earning assets | 0.5917% | 3,004 |
| Net interest margin | 3.3247% | 3,324 |
| Noninterest income to average assets | 1.3424% | 570 |
| Noninterest expense to average assets | 2.0955% | 4,040 |
| Loan and lease loss provision to assets | 0.4647% | 819 |
| Net operating income to assets | 1.4444% | 1,031 |
| Return on assets (ROA) | 1.4444% | 1,120 |
| Pretax return on assets | 1.9533% | 605 |
| Return on Equity (ROE) | 13.4975% | 980 |
| Retained earnings to average equity (ytd only) | 13.4975% | 312 |
| Net charge-offs to loans | 0.0007% | 3,015 |
| Credit loss provision to net charge-offs | 82,000.0000% | 8 |
| Earnings coverage of net charge-offs (x) | 4,267.0000% | 11 |
| Efficiency ratio | 46.4281% | 4,707 |
| Assets per employee ($millions) | 11.5781% | 346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5389% | 1,155 |
| Loan loss allowance to noncurrent loans | 332.5517% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.4967% | 2,348 |
| Noncurrent loans to loans | 0.4627% | 2,755 |
| Net loans and leases to total assets | 76.1351% | 1,117 |
| Net loans and leases to deposits | 93.0402% | 1,046 |
| Net loans and leases to core deposits | 101.5667% | 1,147 |
| Total domestic deposits to total assets | 81.8303% | 3,416 |
| Equity capital to assets | 9.7094% | 3,465 |
| Core capital (leverage) ratio | 10.1126% | 2,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4314% | 1,655 |
| Memoranda: |
| Average total assets | $352,946,000 | 1,989 |
| Average earning assets | $336,633,667 | 1,956 |
| Average equity | $37,770,000 | 2,092 |
| Average total loans | $275,680,667 | 1,763 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3031% | 2,911 |
| Cost of funding earning assets | 0.6704% | 3,055 |
| Net interest margin | 3.6326% | 2,561 |
| Noninterest income to average assets | 0.8311% | 1,220 |
| Noninterest expense to average assets | 2.2130% | 3,975 |
| Loan and lease loss provision to assets | 0.1469% | 1,930 |
| Net operating income to assets | 1.4333% | 918 |
| Return on assets (ROA) | 1.4333% | 988 |
| Pretax return on assets | 1.9266% | 540 |
| Return on Equity (ROE) | 12.6656% | 945 |
| Retained earnings to average equity (ytd only) | 12.6656% | 355 |
| Net charge-offs to loans | -0.0031% | 3,734 |
| Credit loss provision to net charge-offs | -6,000.0000% | 3,895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6276% | 4,573 |
| Assets per employee ($millions) | 9.7718% | 416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5522% | 1,185 |
| Loan loss allowance to noncurrent loans | 205.1218% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.6053% | 2,187 |
| Noncurrent loans to loans | 0.7567% | 2,110 |
| Net loans and leases to total assets | 78.7462% | 872 |
| Net loans and leases to deposits | 98.6349% | 647 |
| Net loans and leases to core deposits | 113.0998% | 707 |
| Total domestic deposits to total assets | 79.8360% | 3,887 |
| Equity capital to assets | 11.3466% | 2,554 |
| Core capital (leverage) ratio | 11.4452% | 2,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8017% | 1,972 |
| Memoranda: |
| Average total assets | $326,801,500 | 2,051 |
| Average earning assets | $310,849,000 | 2,021 |
| Average equity | $36,982,000 | 2,112 |
| Average total loans | $256,847,000 | 1,820 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5673% | 2,721 |
| Cost of funding earning assets | 0.7158% | 3,087 |
| Net interest margin | 3.8515% | 2,330 |
| Noninterest income to average assets | 0.5619% | 2,409 |
| Noninterest expense to average assets | 2.3178% | 3,903 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4195% | 1,276 |
| Return on assets (ROA) | 1.4195% | 1,351 |
| Pretax return on assets | 1.9028% | 740 |
| Return on Equity (ROE) | 12.8130% | 1,231 |
| Retained earnings to average equity (ytd only) | 7.1586% | 1,328 |
| Net charge-offs to loans | 0.1687% | 1,200 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 14.3957% | 2,288 |
| Efficiency ratio | 54.9165% | 4,329 |
| Assets per employee ($millions) | 9.4518% | 425 |
| Cash dividends to net income (ytd only)* | 44.1306% | 2,386 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6145% | 952 |
| Loan loss allowance to noncurrent loans | 499.7503% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.5302% | 2,303 |
| Noncurrent loans to loans | 0.3231% | 3,282 |
| Net loans and leases to total assets | 75.9079% | 1,431 |
| Net loans and leases to deposits | 92.3424% | 1,325 |
| Net loans and leases to core deposits | 104.7025% | 1,184 |
| Total domestic deposits to total assets | 82.2026% | 3,455 |
| Equity capital to assets | 11.2851% | 2,724 |
| Core capital (leverage) ratio | 10.6554% | 2,803 |
| Tier 1 risk-based capital ratio | 13.4699% | 3,538 |
| Total risk-based capital ratio | 14.7301% | 3,423 |
| Memoranda: |
| Average total assets | $319,272,000 | 2,047 |
| Average earning assets | $303,283,600 | 2,002 |
| Average equity | $35,370,200 | 2,118 |
| Average total loans | $250,076,600 | 1,830 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5913% | 2,753 |
| Cost of funding earning assets | 0.7164% | 3,127 |
| Net interest margin | 3.8749% | 2,348 |
| Noninterest income to average assets | 0.5505% | 2,455 |
| Noninterest expense to average assets | 2.1906% | 4,198 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5213% | 1,131 |
| Return on assets (ROA) | 1.5213% | 1,187 |
| Pretax return on assets | 2.0434% | 627 |
| Return on Equity (ROE) | 13.7972% | 1,029 |
| Retained earnings to average equity (ytd only) | 13.7972% | 213 |
| Net charge-offs to loans | 0.0117% | 2,946 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 222.0651% | 413 |
| Efficiency ratio | 51.7388% | 4,621 |
| Assets per employee ($millions) | 9.5773% | 396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7214% | 782 |
| Loan loss allowance to noncurrent loans | 378.5899% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.3680% | 3,032 |
| Noncurrent loans to loans | 0.4547% | 2,942 |
| Net loans and leases to total assets | 79.5360% | 907 |
| Net loans and leases to deposits | 97.3612% | 888 |
| Net loans and leases to core deposits | 109.5335% | 971 |
| Total domestic deposits to total assets | 81.6916% | 3,561 |
| Equity capital to assets | 11.8278% | 2,391 |
| Core capital (leverage) ratio | 11.2160% | 2,459 |
| Tier 1 risk-based capital ratio | 13.7304% | 3,463 |
| Total risk-based capital ratio | 14.9907% | 3,363 |
| Memoranda: |
| Average total assets | $318,749,500 | 2,055 |
| Average earning assets | $303,001,000 | 2,019 |
| Average equity | $35,146,250 | 2,144 |
| Average total loans | $250,610,250 | 1,835 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5564% | 2,817 |
| Cost of funding earning assets | 0.7029% | 3,159 |
| Net interest margin | 3.8535% | 2,399 |
| Noninterest income to average assets | 0.5656% | 2,311 |
| Noninterest expense to average assets | 2.1761% | 4,280 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5286% | 1,066 |
| Return on assets (ROA) | 1.5286% | 1,115 |
| Pretax return on assets | 2.0529% | 614 |
| Return on Equity (ROE) | 14.2031% | 934 |
| Retained earnings to average equity (ytd only) | 14.2031% | 220 |
| Net charge-offs to loans | 0.0177% | 2,519 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 149.1364% | 502 |
| Efficiency ratio | 51.4573% | 4,691 |
| Assets per employee ($millions) | 9.8105% | 349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7851% | 699 |
| Loan loss allowance to noncurrent loans | 382.2049% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.3558% | 3,113 |
| Noncurrent loans to loans | 0.4671% | 2,883 |
| Net loans and leases to total assets | 74.8255% | 1,752 |
| Net loans and leases to deposits | 91.8925% | 1,500 |
| Net loans and leases to core deposits | 104.0379% | 1,387 |
| Total domestic deposits to total assets | 81.4272% | 3,686 |
| Equity capital to assets | 11.1071% | 2,942 |
| Core capital (leverage) ratio | 10.8979% | 2,694 |
| Tier 1 risk-based capital ratio | 13.7344% | 3,463 |
| Total risk-based capital ratio | 14.9961% | 3,351 |
| Memoranda: |
| Average total assets | $319,648,670 | 2,049 |
| Average earning assets | $303,881,670 | 2,016 |
| Average equity | $34,401,000 | 2,172 |
| Average total loans | $248,887,670 | 1,852 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5458% | 2,712 |
| Cost of funding earning assets | 0.6827% | 3,138 |
| Net interest margin | 3.8632% | 2,298 |
| Noninterest income to average assets | 0.5428% | 2,328 |
| Noninterest expense to average assets | 2.1675% | 4,337 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5265% | 1,061 |
| Return on assets (ROA) | 1.5265% | 1,084 |
| Pretax return on assets | 2.0529% | 582 |
| Return on Equity (ROE) | 14.4191% | 872 |
| Retained earnings to average equity (ytd only) | 14.4191% | 321 |
| Net charge-offs to loans | 0.0352% | 1,762 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 74.0909% | 815 |
| Efficiency ratio | 51.3578% | 4,741 |
| Assets per employee ($millions) | 9.5549% | 394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7501% | 776 |
| Loan loss allowance to noncurrent loans | 382.2049% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.3654% | 3,141 |
| Noncurrent loans to loans | 0.4579% | 2,940 |
| Net loans and leases to total assets | 78.3934% | 1,086 |
| Net loans and leases to deposits | 95.2437% | 1,038 |
| Net loans and leases to core deposits | 107.0812% | 1,096 |
| Total domestic deposits to total assets | 82.3083% | 3,644 |
| Equity capital to assets | 10.9210% | 2,928 |
| Core capital (leverage) ratio | 10.6499% | 2,896 |
| Tier 1 risk-based capital ratio | 13.1602% | 3,796 |
| Total risk-based capital ratio | 14.4227% | 3,700 |
| Memoranda: |
| Average total assets | $317,599,000 | 2,075 |
| Average earning assets | $302,342,500 | 2,035 |
| Average equity | $33,622,000 | 2,211 |
| Average total loans | $250,007,000 | 1,858 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4180% | 2,705 |
| Cost of funding earning assets | 0.6381% | 2,477 |
| Net interest margin | 3.7798% | 2,745 |
| Noninterest income to average assets | 0.4708% | 2,992 |
| Noninterest expense to average assets | 2.3214% | 4,074 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2921% | 1,841 |
| Return on assets (ROA) | 1.2921% | 1,826 |
| Pretax return on assets | 1.7352% | 1,082 |
| Return on Equity (ROE) | 12.5284% | 1,532 |
| Retained earnings to average equity (ytd only) | 9.3758% | 760 |
| Net charge-offs to loans | 0.0044% | 3,560 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 485.1818% | 216 |
| Efficiency ratio | 57.2253% | 4,259 |
| Assets per employee ($millions) | 9.6935% | 374 |
| Cash dividends to net income (ytd only)* | 25.1636% | 3,270 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7812% | 705 |
| Loan loss allowance to noncurrent loans | 370.6030% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.3733% | 3,058 |
| Noncurrent loans to loans | 0.4806% | 2,836 |
| Net loans and leases to total assets | 76.2779% | 1,560 |
| Net loans and leases to deposits | 92.8174% | 1,420 |
| Net loans and leases to core deposits | 104.4176% | 1,380 |
| Total domestic deposits to total assets | 82.1806% | 3,599 |
| Equity capital to assets | 10.2564% | 3,421 |
| Core capital (leverage) ratio | 10.0883% | 3,477 |
| Tier 1 risk-based capital ratio | 12.8436% | 3,944 |
| Total risk-based capital ratio | 14.1066% | 3,824 |
| Memoranda: |
| Average total assets | $307,570,600 | 2,106 |
| Average earning assets | $291,786,000 | 2,065 |
| Average equity | $31,720,000 | 2,236 |
| Average total loans | $248,134,200 | 1,832 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3815% | 2,684 |
| Cost of funding earning assets | 0.6179% | 2,357 |
| Net interest margin | 3.7636% | 2,778 |
| Noninterest income to average assets | 0.4987% | 2,878 |
| Noninterest expense to average assets | 2.2052% | 4,314 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3889% | 1,532 |
| Return on assets (ROA) | 1.3889% | 1,531 |
| Pretax return on assets | 1.8623% | 877 |
| Return on Equity (ROE) | 13.4484% | 1,286 |
| Retained earnings to average equity (ytd only) | 13.4484% | 308 |
| Net charge-offs to loans | 0.0059% | 3,225 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 386.5385% | 245 |
| Efficiency ratio | 54.2147% | 4,591 |
| Assets per employee ($millions) | 9.6666% | 360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7888% | 741 |
| Loan loss allowance to noncurrent loans | 410.4824% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.3485% | 3,283 |
| Noncurrent loans to loans | 0.4358% | 3,094 |
| Net loans and leases to total assets | 78.5376% | 1,246 |
| Net loans and leases to deposits | 96.0332% | 1,152 |
| Net loans and leases to core deposits | 108.1733% | 1,159 |
| Total domestic deposits to total assets | 81.7817% | 3,675 |
| Equity capital to assets | 10.6058% | 3,038 |
| Core capital (leverage) ratio | 10.2958% | 3,294 |
| Tier 1 risk-based capital ratio | 12.9064% | 3,960 |
| Total risk-based capital ratio | 14.1717% | 3,858 |
| Memoranda: |
| Average total assets | $304,491,500 | 2,133 |
| Average earning assets | $288,721,000 | 2,096 |
| Average equity | $31,447,750 | 2,256 |
| Average total loans | $248,060,750 | 1,839 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3222% | 2,697 |
| Cost of funding earning assets | 0.5808% | 2,356 |
| Net interest margin | 3.7414% | 2,783 |
| Noninterest income to average assets | 0.4946% | 2,890 |
| Noninterest expense to average assets | 2.2187% | 4,323 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3576% | 1,576 |
| Return on assets (ROA) | 1.3576% | 1,580 |
| Pretax return on assets | 1.8192% | 918 |
| Return on Equity (ROE) | 13.2668% | 1,274 |
| Retained earnings to average equity (ytd only) | 13.2668% | 344 |
| Net charge-offs to loans | 0.0177% | 2,556 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 125.2273% | 599 |
| Efficiency ratio | 54.9469% | 4,587 |
| Assets per employee ($millions) | 9.6210% | 360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7544% | 815 |
| Loan loss allowance to noncurrent loans | 409.0825% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.3505% | 3,350 |
| Noncurrent loans to loans | 0.4289% | 3,165 |
| Net loans and leases to total assets | 80.2856% | 976 |
| Net loans and leases to deposits | 99.2316% | 859 |
| Net loans and leases to core deposits | 115.3147% | 730 |
| Total domestic deposits to total assets | 80.9073% | 4,019 |
| Equity capital to assets | 10.3540% | 3,276 |
| Core capital (leverage) ratio | 10.6579% | 2,859 |
| Tier 1 risk-based capital ratio | 12.9362% | 3,925 |
| Total risk-based capital ratio | 14.1926% | 3,847 |
| Memoranda: |
| Average total assets | $302,878,330 | 2,152 |
| Average earning assets | $286,846,330 | 2,119 |
| Average equity | $30,994,670 | 2,289 |
| Average total loans | $248,292,330 | 1,845 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2633% | 2,660 |
| Cost of funding earning assets | 0.5278% | 2,558 |
| Net interest margin | 3.7355% | 2,665 |
| Noninterest income to average assets | 0.5007% | 2,793 |
| Noninterest expense to average assets | 2.2491% | 4,299 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3356% | 1,521 |
| Return on assets (ROA) | 1.3356% | 1,537 |
| Pretax return on assets | 1.7857% | 939 |
| Return on Equity (ROE) | 13.1311% | 1,227 |
| Retained earnings to average equity (ytd only) | 13.1311% | 501 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7426% | 4,617 |
| Assets per employee ($millions) | 9.4258% | 383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7640% | 837 |
| Loan loss allowance to noncurrent loans | 410.3608% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.3584% | 3,405 |
| Noncurrent loans to loans | 0.4299% | 3,249 |
| Net loans and leases to total assets | 81.9015% | 676 |
| Net loans and leases to deposits | 101.9836% | 579 |
| Net loans and leases to core deposits | 115.2585% | 750 |
| Total domestic deposits to total assets | 80.3085% | 4,361 |
| Equity capital to assets | 10.2378% | 3,352 |
| Core capital (leverage) ratio | 9.7504% | 3,804 |
| Tier 1 risk-based capital ratio | 11.8602% | 4,642 |
| Total risk-based capital ratio | 13.1275% | 4,510 |
| Memoranda: |
| Average total assets | $300,382,000 | 2,192 |
| Average earning assets | $284,190,000 | 2,158 |
| Average equity | $30,553,500 | 2,333 |
| Average total loans | $246,643,500 | 1,870 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1077% | 3,030 |
| Cost of funding earning assets | 0.3000% | 4,142 |
| Net interest margin | 3.8077% | 2,399 |
| Noninterest income to average assets | 0.5083% | 2,946 |
| Noninterest expense to average assets | 2.2935% | 4,346 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8491% | 2,958 |
| Return on assets (ROA) | 0.8491% | 2,981 |
| Pretax return on assets | 1.7666% | 862 |
| Return on Equity (ROE) | 7.8611% | 2,858 |
| Retained earnings to average equity (ytd only) | 2.1733% | 4,019 |
| Net charge-offs to loans | 0.0036% | 3,978 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 626.5000% | 136 |
| Efficiency ratio | 56.4893% | 4,716 |
| Assets per employee ($millions) | 9.3480% | 397 |
| Cash dividends to net income (ytd only)* | 72.3537% | 1,150 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8345% | 733 |
| Loan loss allowance to noncurrent loans | 11,989.1892% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 5,103 |
| Noncurrent loans to loans | 0.0153% | 4,964 |
| Net loans and leases to total assets | 79.3543% | 1,062 |
| Net loans and leases to deposits | 101.0025% | 661 |
| Net loans and leases to core deposits | 109.9848% | 1,006 |
| Total domestic deposits to total assets | 78.5667% | 4,631 |
| Equity capital to assets | 10.1047% | 3,594 |
| Core capital (leverage) ratio | 10.0107% | 3,449 |
| Tier 1 risk-based capital ratio | 11.6037% | 4,790 |
| Total risk-based capital ratio | 12.8692% | 4,664 |
| Memoranda: |
| Average total assets | $283,709,600 | 2,265 |
| Average earning assets | $264,646,200 | 2,256 |
| Average equity | $30,644,600 | 2,316 |
| Average total loans | $223,312,200 | 1,979 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1095% | 2,960 |
| Cost of funding earning assets | 0.2987% | 4,144 |
| Net interest margin | 3.8109% | 2,360 |
| Noninterest income to average assets | 0.5326% | 2,823 |
| Noninterest expense to average assets | 2.2859% | 4,337 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1520% | 1,874 |
| Return on assets (ROA) | 1.1520% | 1,922 |
| Pretax return on assets | 1.7971% | 899 |
| Return on Equity (ROE) | 10.4846% | 1,912 |
| Retained earnings to average equity (ytd only) | 10.4846% | 495 |
| Net charge-offs to loans | 0.0006% | 3,783 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 3,781.3609% | 15 |
| Efficiency ratio | 55.9860% | 4,740 |
| Assets per employee ($millions) | 9.1056% | 418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9565% | 617 |
| Loan loss allowance to noncurrent loans | 11,392.3077% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.2770% | 3,959 |
| Noncurrent loans to loans | 0.0172% | 5,063 |
| Net loans and leases to total assets | 78.8773% | 1,139 |
| Net loans and leases to deposits | 96.2686% | 1,094 |
| Net loans and leases to core deposits | 102.3801% | 1,517 |
| Total domestic deposits to total assets | 81.9346% | 3,801 |
| Equity capital to assets | 11.3585% | 2,513 |
| Core capital (leverage) ratio | 11.2953% | 2,187 |
| Tier 1 risk-based capital ratio | 13.9391% | 3,473 |
| Total risk-based capital ratio | 15.1974% | 3,393 |
| Memoranda: |
| Average total assets | $279,852,750 | 2,304 |
| Average earning assets | $260,721,000 | 2,290 |
| Average equity | $30,749,000 | 2,322 |
| Average total loans | $218,686,750 | 2,018 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0322% | 3,078 |
| Cost of funding earning assets | 0.2913% | 4,172 |
| Net interest margin | 3.7409% | 2,511 |
| Noninterest income to average assets | 0.5254% | 2,857 |
| Noninterest expense to average assets | 2.2684% | 4,427 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1138% | 1,910 |
| Return on assets (ROA) | 1.1138% | 1,956 |
| Pretax return on assets | 1.7359% | 971 |
| Return on Equity (ROE) | 10.2536% | 1,935 |
| Retained earnings to average equity (ytd only) | 10.2536% | 541 |
| Net charge-offs to loans | -0.0009% | 4,133 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6494% | 4,749 |
| Assets per employee ($millions) | 8.8810% | 437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0223% | 579 |
| Loan loss allowance to noncurrent loans | 11,397.4359% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 5,236 |
| Noncurrent loans to loans | 0.0177% | 5,100 |
| Net loans and leases to total assets | 75.7770% | 1,575 |
| Net loans and leases to deposits | 92.4698% | 1,436 |
| Net loans and leases to core deposits | 98.9133% | 1,733 |
| Total domestic deposits to total assets | 81.9478% | 3,901 |
| Equity capital to assets | 10.9827% | 2,824 |
| Core capital (leverage) ratio | 11.1000% | 2,315 |
| Tier 1 risk-based capital ratio | 14.0537% | 3,406 |
| Total risk-based capital ratio | 15.3128% | 3,320 |
| Memoranda: |
| Average total assets | $279,045,670 | 2,318 |
| Average earning assets | $259,508,330 | 2,301 |
| Average equity | $30,311,330 | 2,349 |
| Average total loans | $215,884,670 | 2,041 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9644% | 3,160 |
| Cost of funding earning assets | 0.2833% | 4,219 |
| Net interest margin | 3.6811% | 2,558 |
| Noninterest income to average assets | 0.5194% | 2,842 |
| Noninterest expense to average assets | 2.2425% | 4,550 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1010% | 1,863 |
| Return on assets (ROA) | 1.1010% | 1,906 |
| Pretax return on assets | 1.7174% | 972 |
| Return on Equity (ROE) | 10.1939% | 1,882 |
| Retained earnings to average equity (ytd only) | 10.1939% | 771 |
| Net charge-offs to loans | 0.0075% | 2,708 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 296.7500% | 202 |
| Efficiency ratio | 56.6313% | 4,870 |
| Assets per employee ($millions) | 9.1109% | 405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0610% | 598 |
| Loan loss allowance to noncurrent loans | 10,829.2683% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0145% | 5,292 |
| Noncurrent loans to loans | 0.0190% | 5,151 |
| Net loans and leases to total assets | 74.7028% | 1,630 |
| Net loans and leases to deposits | 88.9345% | 1,671 |
| Net loans and leases to core deposits | 94.9118% | 1,901 |
| Total domestic deposits to total assets | 83.9975% | 3,481 |
| Equity capital to assets | 10.7255% | 2,934 |
| Core capital (leverage) ratio | 11.1290% | 2,251 |
| Tier 1 risk-based capital ratio | 13.1906% | 3,959 |
| Total risk-based capital ratio | 14.4489% | 3,872 |
| Memoranda: |
| Average total assets | $276,472,000 | 2,355 |
| Average earning assets | $258,402,000 | 2,327 |
| Average equity | $29,861,000 | 2,391 |
| Average total loans | $213,928,000 | 2,072 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0657% | 2,970 |
| Cost of funding earning assets | 0.2929% | 4,144 |
| Net interest margin | 3.7728% | 2,416 |
| Noninterest income to average assets | 0.5930% | 2,699 |
| Noninterest expense to average assets | 2.2977% | 4,564 |
| Loan and lease loss provision to assets | 0.0686% | 2,993 |
| Net operating income to assets | 1.1017% | 1,903 |
| Return on assets (ROA) | 1.1029% | 1,981 |
| Pretax return on assets | 1.7218% | 945 |
| Return on Equity (ROE) | 9.9990% | 1,956 |
| Retained earnings to average equity (ytd only) | 6.5463% | 1,432 |
| Net charge-offs to loans | 0.0106% | 3,914 |
| Credit loss provision to net charge-offs | 818.1818% | 451 |
| Earnings coverage of net charge-offs (x) | 213.4545% | 324 |
| Efficiency ratio | 56.2308% | 5,044 |
| Assets per employee ($millions) | 8.7260% | 458 |
| Cash dividends to net income (ytd only)* | 34.5304% | 3,143 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0920% | 555 |
| Loan loss allowance to noncurrent loans | 10,839.0244% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0152% | 5,337 |
| Noncurrent loans to loans | 0.0193% | 5,201 |
| Net loans and leases to total assets | 76.8866% | 1,379 |
| Net loans and leases to deposits | 92.9612% | 1,304 |
| Net loans and leases to core deposits | 99.6111% | 1,649 |
| Total domestic deposits to total assets | 82.7083% | 3,856 |
| Equity capital to assets | 10.8792% | 2,730 |
| Core capital (leverage) ratio | 10.9175% | 2,426 |
| Tier 1 risk-based capital ratio | 13.7325% | 3,622 |
| Total risk-based capital ratio | 14.9927% | 3,518 |
| Memoranda: |
| Average total assets | $262,570,000 | 2,413 |
| Average earning assets | $243,109,800 | 2,412 |
| Average equity | $28,963,000 | 2,455 |
| Average total loans | $207,062,800 | 2,065 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0835% | 2,940 |
| Cost of funding earning assets | 0.2906% | 4,205 |
| Net interest margin | 3.7929% | 2,355 |
| Noninterest income to average assets | 0.5777% | 2,778 |
| Noninterest expense to average assets | 2.1970% | 4,778 |
| Loan and lease loss provision to assets | 0.0691% | 2,840 |
| Net operating income to assets | 1.1614% | 1,762 |
| Return on assets (ROA) | 1.1630% | 1,859 |
| Pretax return on assets | 1.8205% | 865 |
| Return on Equity (ROE) | 10.5059% | 1,863 |
| Retained earnings to average equity (ytd only) | 5.8839% | 2,248 |
| Net charge-offs to loans | 0.0130% | 3,501 |
| Credit loss provision to net charge-offs | 675.0000% | 576 |
| Earnings coverage of net charge-offs (x) | 184.3723% | 393 |
| Efficiency ratio | 53.7960% | 5,254 |
| Assets per employee ($millions) | 8.9788% | 416 |
| Cash dividends to net income (ytd only)* | 43.9947% | 2,184 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1189% | 583 |
| Loan loss allowance to noncurrent loans | 8,802.0000% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0186% | 5,442 |
| Noncurrent loans to loans | 0.0241% | 5,287 |
| Net loans and leases to total assets | 75.4745% | 1,615 |
| Net loans and leases to deposits | 92.1854% | 1,472 |
| Net loans and leases to core deposits | 98.8885% | 1,737 |
| Total domestic deposits to total assets | 81.8726% | 3,971 |
| Equity capital to assets | 10.8711% | 3,168 |
| Core capital (leverage) ratio | 11.0048% | 2,444 |
| Tier 1 risk-based capital ratio | 13.9109% | 3,602 |
| Total risk-based capital ratio | 15.1716% | 3,522 |
| Memoranda: |
| Average total assets | $260,586,000 | 2,446 |
| Average earning assets | $240,899,750 | 2,436 |
| Average equity | $28,846,500 | 2,469 |
| Average total loans | $205,721,750 | 2,082 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0936% | 2,886 |
| Cost of funding earning assets | 0.2848% | 4,298 |
| Net interest margin | 3.8088% | 2,285 |
| Noninterest income to average assets | 0.5697% | 2,796 |
| Noninterest expense to average assets | 2.1990% | 4,849 |
| Loan and lease loss provision to assets | 0.0699% | 2,745 |
| Net operating income to assets | 1.1688% | 1,705 |
| Return on assets (ROA) | 1.1713% | 1,793 |
| Pretax return on assets | 1.8342% | 811 |
| Return on Equity (ROE) | 10.5153% | 1,843 |
| Retained earnings to average equity (ytd only) | 10.5153% | 503 |
| Net charge-offs to loans | 0.0224% | 3,043 |
| Credit loss provision to net charge-offs | 391.3043% | 786 |
| Earnings coverage of net charge-offs (x) | 106.4348% | 541 |
| Efficiency ratio | 53.6451% | 5,340 |
| Assets per employee ($millions) | 8.9578% | 395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0678% | 647 |
| Loan loss allowance to noncurrent loans | 14,510.0000% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0115% | 5,571 |
| Noncurrent loans to loans | 0.0143% | 5,427 |
| Net loans and leases to total assets | 79.3599% | 1,006 |
| Net loans and leases to deposits | 98.3536% | 850 |
| Net loans and leases to core deposits | 106.2068% | 1,166 |
| Total domestic deposits to total assets | 80.6884% | 4,365 |
| Equity capital to assets | 11.3837% | 2,662 |
| Core capital (leverage) ratio | 11.3251% | 2,122 |
| Tier 1 risk-based capital ratio | 13.1395% | 4,113 |
| Total risk-based capital ratio | 14.3982% | 4,034 |
| Memoranda: |
| Average total assets | $257,659,670 | 2,472 |
| Average earning assets | $238,760,330 | 2,463 |
| Average equity | $28,701,000 | 2,480 |
| Average total loans | $205,061,330 | 2,097 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0621% | 2,995 |
| Cost of funding earning assets | 0.2794% | 4,399 |
| Net interest margin | 3.7826% | 2,361 |
| Noninterest income to average assets | 0.5503% | 2,803 |
| Noninterest expense to average assets | 2.1699% | 4,979 |
| Loan and lease loss provision to assets | 0.0701% | 2,546 |
| Net operating income to assets | 1.1598% | 1,673 |
| Return on assets (ROA) | 1.1598% | 1,785 |
| Pretax return on assets | 1.8129% | 831 |
| Return on Equity (ROE) | 10.5287% | 1,770 |
| Retained earnings to average equity (ytd only) | 10.5287% | 734 |
| Net charge-offs to loans | 0.0455% | 2,108 |
| Credit loss provision to net charge-offs | 195.6522% | 1,098 |
| Earnings coverage of net charge-offs (x) | 52.5217% | 853 |
| Efficiency ratio | 53.5385% | 5,421 |
| Assets per employee ($millions) | 9.1936% | 364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0913% | 695 |
| Loan loss allowance to noncurrent loans | 14,360.0000% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0117% | 5,618 |
| Noncurrent loans to loans | 0.0146% | 5,460 |
| Net loans and leases to total assets | 78.3487% | 1,054 |
| Net loans and leases to deposits | 93.9569% | 1,150 |
| Net loans and leases to core deposits | 99.0555% | 1,561 |
| Total domestic deposits to total assets | 83.3879% | 3,757 |
| Equity capital to assets | 11.1428% | 2,780 |
| Core capital (leverage) ratio | 11.1402% | 2,269 |
| Tier 1 risk-based capital ratio | 13.1822% | 4,149 |
| Total risk-based capital ratio | 14.4414% | 4,071 |
| Memoranda: |
| Average total assets | $256,601,500 | 2,486 |
| Average earning assets | $237,613,000 | 2,483 |
| Average equity | $28,265,500 | 2,507 |
| Average total loans | $202,336,500 | 2,119 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0458% | 3,136 |
| Cost of funding earning assets | 0.2787% | 4,498 |
| Net interest margin | 3.7671% | 2,495 |
| Noninterest income to average assets | 0.5083% | 3,266 |
| Noninterest expense to average assets | 2.2477% | 4,928 |
| Loan and lease loss provision to assets | 0.1183% | 2,014 |
| Net operating income to assets | 1.0541% | 2,110 |
| Return on assets (ROA) | 1.0541% | 2,196 |
| Pretax return on assets | 1.6286% | 1,173 |
| Return on Equity (ROE) | 9.7605% | 2,099 |
| Retained earnings to average equity (ytd only) | 6.1090% | 1,741 |
| Net charge-offs to loans | 0.0204% | 3,856 |
| Credit loss provision to net charge-offs | 750.0000% | 442 |
| Earnings coverage of net charge-offs (x) | 110.7500% | 532 |
| Efficiency ratio | 56.2685% | 5,322 |
| Assets per employee ($millions) | 9.1351% | 367 |
| Cash dividends to net income (ytd only)* | 37.4111% | 2,984 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1572% | 633 |
| Loan loss allowance to noncurrent loans | 7,937.0370% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0211% | 5,607 |
| Noncurrent loans to loans | 0.0272% | 5,405 |
| Net loans and leases to total assets | 75.9995% | 1,418 |
| Net loans and leases to deposits | 89.9993% | 1,615 |
| Net loans and leases to core deposits | 96.5434% | 1,794 |
| Total domestic deposits to total assets | 84.4446% | 3,313 |
| Equity capital to assets | 10.8870% | 2,949 |
| Core capital (leverage) ratio | 10.8726% | 2,530 |
| Tier 1 risk-based capital ratio | 13.2158% | 4,160 |
| Total risk-based capital ratio | 14.4757% | 4,088 |
| Memoranda: |
| Average total assets | $253,592,200 | 2,477 |
| Average earning assets | $234,686,800 | 2,466 |
| Average equity | $27,386,000 | 2,513 |
| Average total loans | $195,996,400 | 2,111 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9897% | 3,382 |
| Cost of funding earning assets | 0.2751% | 4,611 |
| Net interest margin | 3.7146% | 2,697 |
| Noninterest income to average assets | 0.5021% | 3,349 |
| Noninterest expense to average assets | 2.2151% | 5,015 |
| Loan and lease loss provision to assets | 0.1186% | 1,921 |
| Net operating income to assets | 1.0491% | 2,221 |
| Return on assets (ROA) | 1.0491% | 2,321 |
| Pretax return on assets | 1.6192% | 1,334 |
| Return on Equity (ROE) | 9.7342% | 2,199 |
| Retained earnings to average equity (ytd only) | 9.7342% | 681 |
| Net charge-offs to loans | 0.0259% | 3,422 |
| Credit loss provision to net charge-offs | 592.1053% | 573 |
| Earnings coverage of net charge-offs (x) | 86.7815% | 706 |
| Efficiency ratio | 56.0384% | 5,348 |
| Assets per employee ($millions) | 8.0675% | 523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0906% | 788 |
| Loan loss allowance to noncurrent loans | 7,801.8519% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0216% | 5,710 |
| Noncurrent loans to loans | 0.0268% | 5,525 |
| Net loans and leases to total assets | 78.8949% | 973 |
| Net loans and leases to deposits | 93.6512% | 1,241 |
| Net loans and leases to core deposits | 99.2275% | 1,582 |
| Total domestic deposits to total assets | 84.2433% | 3,324 |
| Equity capital to assets | 11.2983% | 2,702 |
| Core capital (leverage) ratio | 11.1738% | 2,328 |
| Tier 1 risk-based capital ratio | 13.1837% | 4,333 |
| Total risk-based capital ratio | 14.4428% | 4,252 |
| Memoranda: |
| Average total assets | $253,044,750 | 2,502 |
| Average earning assets | $235,066,250 | 2,482 |
| Average equity | $27,270,750 | 2,535 |
| Average total loans | $195,325,750 | 2,130 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9754% | 3,390 |
| Cost of funding earning assets | 0.2694% | 4,725 |
| Net interest margin | 3.7059% | 2,683 |
| Noninterest income to average assets | 0.5984% | 2,750 |
| Noninterest expense to average assets | 2.2045% | 5,105 |
| Loan and lease loss provision to assets | 0.1181% | 1,878 |
| Net operating income to assets | 1.1046% | 1,936 |
| Return on assets (ROA) | 1.1046% | 2,024 |
| Pretax return on assets | 1.7085% | 1,070 |
| Return on Equity (ROE) | 10.4148% | 1,885 |
| Retained earnings to average equity (ytd only) | 10.4148% | 599 |
| Net charge-offs to loans | -0.0041% | 4,698 |
| Credit loss provision to net charge-offs | -3,750.0000% | 5,561 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6875% | 5,529 |
| Assets per employee ($millions) | 9.1849% | 345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1521% | 786 |
| Loan loss allowance to noncurrent loans | 1,685.4839% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.4428% | 4,155 |
| Noncurrent loans to loans | 0.1277% | 5,240 |
| Net loans and leases to total assets | 68.9713% | 2,488 |
| Net loans and leases to deposits | 80.1749% | 2,763 |
| Net loans and leases to core deposits | 84.4865% | 2,933 |
| Total domestic deposits to total assets | 86.0260% | 2,687 |
| Equity capital to assets | 9.9975% | 4,046 |
| Core capital (leverage) ratio | 11.3081% | 2,156 |
| Tier 1 risk-based capital ratio | 13.4799% | 4,235 |
| Total risk-based capital ratio | 14.7398% | 4,160 |
| Memoranda: |
| Average total assets | $254,029,330 | 2,511 |
| Average earning assets | $235,299,330 | 2,498 |
| Average equity | $26,942,330 | 2,575 |
| Average total loans | $193,260,330 | 2,148 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1632% | 2,589 |
| Cost of funding earning assets | 0.2667% | 4,831 |
| Net interest margin | 3.8965% | 1,904 |
| Noninterest income to average assets | 0.6166% | 2,568 |
| Noninterest expense to average assets | 2.3003% | 4,883 |
| Loan and lease loss provision to assets | 0.1233% | 1,687 |
| Net operating income to assets | 1.1099% | 1,837 |
| Return on assets (ROA) | 1.1099% | 1,945 |
| Pretax return on assets | 1.7725% | 912 |
| Return on Equity (ROE) | 10.1353% | 1,940 |
| Retained earnings to average equity (ytd only) | 10.1353% | 889 |
| Net charge-offs to loans | -0.0041% | 4,453 |
| Credit loss provision to net charge-offs | -3,750.0000% | 5,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8197% | 5,611 |
| Assets per employee ($millions) | 8.9672% | 365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0926% | 934 |
| Loan loss allowance to noncurrent loans | 1,609.0196% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.5068% | 3,999 |
| Noncurrent loans to loans | 0.1301% | 5,310 |
| Net loans and leases to total assets | 79.2879% | 768 |
| Net loans and leases to deposits | 94.0494% | 976 |
| Net loans and leases to core deposits | 97.7683% | 1,494 |
| Total domestic deposits to total assets | 84.3045% | 3,697 |
| Equity capital to assets | 11.1551% | 2,801 |
| Core capital (leverage) ratio | 11.1833% | 2,240 |
| Tier 1 risk-based capital ratio | 13.5804% | 4,284 |
| Total risk-based capital ratio | 14.8406% | 4,194 |
| Memoranda: |
| Average total assets | $243,270,000 | 2,611 |
| Average earning assets | $223,484,000 | 2,612 |
| Average equity | $26,639,500 | 2,615 |
| Average total loans | $192,776,000 | 2,151 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2572% | 2,756 |
| Cost of funding earning assets | 0.2624% | 5,194 |
| Net interest margin | 3.9948% | 1,916 |
| Noninterest income to average assets | 0.6095% | 2,799 |
| Noninterest expense to average assets | 2.4742% | 4,628 |
| Loan and lease loss provision to assets | 0.1283% | 2,044 |
| Net operating income to assets | 1.0894% | 2,015 |
| Return on assets (ROA) | 1.0894% | 2,068 |
| Pretax return on assets | 1.6796% | 1,028 |
| Return on Equity (ROE) | 10.1127% | 2,066 |
| Retained earnings to average equity (ytd only) | 6.1423% | 1,835 |
| Net charge-offs to loans | -0.0158% | 5,657 |
| Credit loss provision to net charge-offs | -1,034.4828% | 5,912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7807% | 5,481 |
| Assets per employee ($millions) | 9.0528% | 336 |
| Cash dividends to net income (ytd only)* | 39.2619% | 2,892 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1247% | 912 |
| Loan loss allowance to noncurrent loans | 1,750.4348% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.4918% | 4,157 |
| Noncurrent loans to loans | 0.1214% | 5,412 |
| Net loans and leases to total assets | 75.8741% | 1,285 |
| Net loans and leases to deposits | 88.7150% | 1,649 |
| Net loans and leases to core deposits | 92.4502% | 2,041 |
| Total domestic deposits to total assets | 85.5257% | 3,069 |
| Equity capital to assets | 10.7480% | 3,183 |
| Core capital (leverage) ratio | 11.0382% | 2,371 |
| Tier 1 risk-based capital ratio | 13.1542% | 4,620 |
| Total risk-based capital ratio | 14.4141% | 4,542 |
| Memoranda: |
| Average total assets | $233,808,800 | 2,666 |
| Average earning assets | $214,953,200 | 2,661 |
| Average equity | $25,186,200 | 2,642 |
| Average total loans | $183,754,200 | 2,189 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2602% | 2,777 |
| Cost of funding earning assets | 0.2661% | 5,248 |
| Net interest margin | 3.9941% | 1,894 |
| Noninterest income to average assets | 0.6322% | 2,675 |
| Noninterest expense to average assets | 2.2945% | 5,128 |
| Loan and lease loss provision to assets | 0.1298% | 1,933 |
| Net operating income to assets | 1.2199% | 1,605 |
| Return on assets (ROA) | 1.2199% | 1,666 |
| Pretax return on assets | 1.8959% | 724 |
| Return on Equity (ROE) | 11.3182% | 1,677 |
| Retained earnings to average equity (ytd only) | 5.9668% | 2,434 |
| Net charge-offs to loans | -0.0183% | 5,590 |
| Credit loss provision to net charge-offs | -900.0000% | 5,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1108% | 5,912 |
| Assets per employee ($millions) | 8.3026% | 453 |
| Cash dividends to net income (ytd only)* | 47.2813% | 1,980 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0991% | 1,093 |
| Loan loss allowance to noncurrent loans | 1,672.4576% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.5626% | 4,171 |
| Noncurrent loans to loans | 0.1255% | 5,548 |
| Net loans and leases to total assets | 79.1856% | 815 |
| Net loans and leases to deposits | 91.2537% | 1,298 |
| Net loans and leases to core deposits | 95.6564% | 1,703 |
| Total domestic deposits to total assets | 86.7753% | 2,430 |
| Equity capital to assets | 11.0963% | 2,863 |
| Core capital (leverage) ratio | 11.0261% | 2,459 |
| Tier 1 risk-based capital ratio | 13.5443% | 4,510 |
| Total risk-based capital ratio | 14.8047% | 4,448 |
| Memoranda: |
| Average total assets | $231,154,500 | 2,704 |
| Average earning assets | $213,444,250 | 2,692 |
| Average equity | $24,915,000 | 2,678 |
| Average total loans | $182,322,250 | 2,214 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2312% | 2,842 |
| Cost of funding earning assets | 0.2682% | 5,304 |
| Net interest margin | 3.9631% | 1,924 |
| Noninterest income to average assets | 0.6519% | 2,529 |
| Noninterest expense to average assets | 2.3328% | 5,075 |
| Loan and lease loss provision to assets | 0.1300% | 1,899 |
| Net operating income to assets | 1.1850% | 1,637 |
| Return on assets (ROA) | 1.1850% | 1,711 |
| Pretax return on assets | 1.8404% | 776 |
| Return on Equity (ROE) | 11.1042% | 1,711 |
| Retained earnings to average equity (ytd only) | 2.9812% | 4,303 |
| Net charge-offs to loans | -0.0255% | 5,627 |
| Credit loss provision to net charge-offs | -652.1739% | 5,640 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2103% | 5,896 |
| Assets per employee ($millions) | 8.6255% | 384 |
| Cash dividends to net income (ytd only)* | 73.1529% | 1,089 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0908% | 1,194 |
| Loan loss allowance to noncurrent loans | 1,619.2469% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.5629% | 4,298 |
| Noncurrent loans to loans | 0.1291% | 5,626 |
| Net loans and leases to total assets | 77.8185% | 933 |
| Net loans and leases to deposits | 89.2069% | 1,451 |
| Net loans and leases to core deposits | 91.4652% | 1,980 |
| Total domestic deposits to total assets | 87.2338% | 2,335 |
| Equity capital to assets | 10.7644% | 3,129 |
| Core capital (leverage) ratio | 10.9366% | 2,485 |
| Tier 1 risk-based capital ratio | 12.9326% | 4,956 |
| Total risk-based capital ratio | 14.1921% | 4,888 |
| Memoranda: |
| Average total assets | $230,714,670 | 2,720 |
| Average earning assets | $212,562,670 | 2,710 |
| Average equity | $24,621,330 | 2,702 |
| Average total loans | $180,418,670 | 2,226 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1790% | 2,952 |
| Cost of funding earning assets | 0.2752% | 5,333 |
| Net interest margin | 3.9038% | 2,070 |
| Noninterest income to average assets | 0.5261% | 3,225 |
| Noninterest expense to average assets | 2.2802% | 5,247 |
| Loan and lease loss provision to assets | 0.1306% | 1,860 |
| Net operating income to assets | 1.1131% | 1,762 |
| Return on assets (ROA) | 1.1131% | 1,821 |
| Pretax return on assets | 1.7228% | 929 |
| Return on Equity (ROE) | 10.4765% | 1,877 |
| Retained earnings to average equity (ytd only) | -5.9186% | 6,175 |
| Net charge-offs to loans | 0.0090% | 3,446 |
| Credit loss provision to net charge-offs | 1,875.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 266.0000% | 177 |
| Efficiency ratio | 55.1622% | 5,910 |
| Assets per employee ($millions) | 8.0801% | 464 |
| Cash dividends to net income (ytd only)* | 156.4945% | 371 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1088% | 1,307 |
| Loan loss allowance to noncurrent loans | 1,421.8868% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.6489% | 4,189 |
| Noncurrent loans to loans | 0.1483% | 5,644 |
| Net loans and leases to total assets | 77.3112% | 842 |
| Net loans and leases to deposits | 87.6607% | 1,398 |
| Net loans and leases to core deposits | 90.5000% | 1,874 |
| Total domestic deposits to total assets | 88.1937% | 2,115 |
| Equity capital to assets | 10.7145% | 3,023 |
| Core capital (leverage) ratio | 10.7502% | 2,654 |
| Tier 1 risk-based capital ratio | 12.9134% | 5,049 |
| Total risk-based capital ratio | 14.1731% | 4,985 |
| Memoranda: |
| Average total assets | $229,628,000 | 2,748 |
| Average earning assets | $212,205,000 | 2,728 |
| Average equity | $24,397,500 | 2,709 |
| Average total loans | $178,078,000 | 2,251 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2806% | 3,037 |
| Cost of funding earning assets | 0.3991% | 4,664 |
| Net interest margin | 3.8815% | 2,364 |
| Noninterest income to average assets | 0.6060% | 3,059 |
| Noninterest expense to average assets | 2.4566% | 4,901 |
| Loan and lease loss provision to assets | 0.2403% | 1,504 |
| Net operating income to assets | 0.9820% | 2,411 |
| Return on assets (ROA) | 0.9820% | 2,480 |
| Pretax return on assets | 1.5057% | 1,433 |
| Return on Equity (ROE) | 9.1441% | 2,472 |
| Retained earnings to average equity (ytd only) | 5.0009% | 2,594 |
| Net charge-offs to loans | 0.2135% | 2,751 |
| Credit loss provision to net charge-offs | 150.0000% | 1,545 |
| Earnings coverage of net charge-offs (x) | 10.9000% | 2,301 |
| Efficiency ratio | 58.4542% | 5,683 |
| Assets per employee ($millions) | 8.0349% | 463 |
| Cash dividends to net income (ytd only)* | 45.3104% | 2,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0831% | 1,366 |
| Loan loss allowance to noncurrent loans | 1,496.7611% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.6223% | 4,373 |
| Noncurrent loans to loans | 0.1392% | 5,783 |
| Net loans and leases to total assets | 74.5794% | 1,269 |
| Net loans and leases to deposits | 84.7078% | 1,832 |
| Net loans and leases to core deposits | 87.3542% | 2,310 |
| Total domestic deposits to total assets | 88.0431% | 2,152 |
| Equity capital to assets | 10.5377% | 3,103 |
| Core capital (leverage) ratio | 10.5580% | 2,841 |
| Tier 1 risk-based capital ratio | 13.5658% | 4,604 |
| Total risk-based capital ratio | 14.8259% | 4,544 |
| Memoranda: |
| Average total assets | $224,743,600 | 2,767 |
| Average earning assets | $208,243,200 | 2,741 |
| Average equity | $24,135,800 | 2,715 |
| Average total loans | $168,625,400 | 2,318 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3208% | 2,903 |
| Cost of funding earning assets | 0.4243% | 4,563 |
| Net interest margin | 3.8965% | 2,291 |
| Noninterest income to average assets | 0.6311% | 2,984 |
| Noninterest expense to average assets | 2.3190% | 5,278 |
| Loan and lease loss provision to assets | 0.2425% | 1,478 |
| Net operating income to assets | 1.0862% | 2,061 |
| Return on assets (ROA) | 1.0862% | 2,139 |
| Pretax return on assets | 1.6765% | 1,150 |
| Return on Equity (ROE) | 10.0644% | 2,152 |
| Retained earnings to average equity (ytd only) | 4.5162% | 3,462 |
| Net charge-offs to loans | 0.2299% | 2,427 |
| Credit loss provision to net charge-offs | 141.1150% | 1,662 |
| Earnings coverage of net charge-offs (x) | 11.1672% | 2,269 |
| Efficiency ratio | 54.7188% | 6,040 |
| Assets per employee ($millions) | 7.6534% | 547 |
| Cash dividends to net income (ytd only)* | 55.1267% | 1,645 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1240% | 1,461 |
| Loan loss allowance to noncurrent loans | 296.0098% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 1.0688% | 3,520 |
| Noncurrent loans to loans | 0.7175% | 4,418 |
| Net loans and leases to total assets | 72.9551% | 1,462 |
| Net loans and leases to deposits | 82.5060% | 2,073 |
| Net loans and leases to core deposits | 84.7879% | 2,569 |
| Total domestic deposits to total assets | 88.4239% | 1,878 |
| Equity capital to assets | 10.5526% | 3,215 |
| Core capital (leverage) ratio | 10.8607% | 2,607 |
| Tier 1 risk-based capital ratio | 13.6986% | 4,630 |
| Total risk-based capital ratio | 14.9564% | 4,581 |
| Memoranda: |
| Average total assets | $222,676,500 | 2,805 |
| Average earning assets | $206,129,250 | 2,787 |
| Average equity | $24,031,250 | 2,753 |
| Average total loans | $166,412,750 | 2,346 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2543% | 3,139 |
| Cost of funding earning assets | 0.4626% | 4,284 |
| Net interest margin | 3.7917% | 2,583 |
| Noninterest income to average assets | 0.6616% | 2,847 |
| Noninterest expense to average assets | 2.3161% | 5,316 |
| Loan and lease loss provision to assets | 0.2450% | 1,521 |
| Net operating income to assets | 1.0482% | 2,119 |
| Return on assets (ROA) | 1.0482% | 2,244 |
| Pretax return on assets | 1.6119% | 1,337 |
| Return on Equity (ROE) | 9.6389% | 2,350 |
| Retained earnings to average equity (ytd only) | 1.2935% | 5,376 |
| Net charge-offs to loans | 0.2220% | 2,411 |
| Credit loss provision to net charge-offs | 147.5410% | 1,560 |
| Earnings coverage of net charge-offs (x) | 11.1803% | 2,076 |
| Efficiency ratio | 55.5024% | 6,019 |
| Assets per employee ($millions) | 7.9185% | 473 |
| Cash dividends to net income (ytd only)* | 86.5801% | 751 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1333% | 1,561 |
| Loan loss allowance to noncurrent loans | 114.3038% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 1.9750% | 2,183 |
| Noncurrent loans to loans | 1.8663% | 2,539 |
| Net loans and leases to total assets | 74.5710% | 1,165 |
| Net loans and leases to deposits | 84.4712% | 1,740 |
| Net loans and leases to core deposits | 86.9358% | 2,235 |
| Total domestic deposits to total assets | 88.2798% | 2,057 |
| Equity capital to assets | 10.6725% | 3,096 |
| Core capital (leverage) ratio | 10.7978% | 2,567 |
| Tier 1 risk-based capital ratio | 13.7349% | 4,617 |
| Total risk-based capital ratio | 14.9958% | 4,578 |
| Memoranda: |
| Average total assets | $220,367,670 | 2,832 |
| Average earning assets | $204,076,330 | 2,822 |
| Average equity | $23,965,330 | 2,776 |
| Average total loans | $164,836,330 | 2,367 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3483% | 2,699 |
| Cost of funding earning assets | 0.5051% | 4,038 |
| Net interest margin | 3.8432% | 2,311 |
| Noninterest income to average assets | 0.7119% | 2,530 |
| Noninterest expense to average assets | 2.3069% | 5,407 |
| Loan and lease loss provision to assets | 0.2458% | 1,464 |
| Net operating income to assets | 1.1052% | 1,836 |
| Return on assets (ROA) | 1.1052% | 1,944 |
| Pretax return on assets | 1.7060% | 1,060 |
| Return on Equity (ROE) | 10.0678% | 2,037 |
| Retained earnings to average equity (ytd only) | 10.0678% | 1,088 |
| Net charge-offs to loans | 0.3612% | 1,552 |
| Credit loss provision to net charge-offs | 91.8367% | 1,991 |
| Earnings coverage of net charge-offs (x) | 7.2925% | 2,090 |
| Efficiency ratio | 54.1684% | 6,216 |
| Assets per employee ($millions) | 7.3626% | 642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1375% | 1,712 |
| Loan loss allowance to noncurrent loans | 87.9548% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 2.8153% | 1,607 |
| Noncurrent loans to loans | 2.4302% | 2,125 |
| Net loans and leases to total assets | 75.1568% | 942 |
| Net loans and leases to deposits | 86.0693% | 1,342 |
| Net loans and leases to core deposits | 89.9128% | 1,707 |
| Total domestic deposits to total assets | 87.3213% | 2,741 |
| Equity capital to assets | 11.4226% | 2,489 |
| Core capital (leverage) ratio | 11.0289% | 2,237 |
| Tier 1 risk-based capital ratio | 14.4282% | 4,224 |
| Total risk-based capital ratio | 15.6890% | 4,184 |
| Memoranda: |
| Average total assets | $219,692,000 | 2,874 |
| Average earning assets | $202,748,000 | 2,871 |
| Average equity | $24,116,500 | 2,797 |
| Average total loans | $162,783,500 | 2,409 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5821% | 3,070 |
| Cost of funding earning assets | 0.8082% | 2,603 |
| Net interest margin | 3.7739% | 3,344 |
| Noninterest income to average assets | 0.9425% | 1,731 |
| Noninterest expense to average assets | 2.4668% | 5,200 |
| Loan and lease loss provision to assets | 0.5649% | 1,007 |
| Net operating income to assets | 0.9175% | 2,731 |
| Return on assets (ROA) | 0.9175% | 2,970 |
| Pretax return on assets | 1.3931% | 2,059 |
| Return on Equity (ROE) | 8.6834% | 2,797 |
| Retained earnings to average equity (ytd only) | 6.5277% | 1,805 |
| Net charge-offs to loans | 0.9302% | 1,203 |
| Credit loss provision to net charge-offs | 83.6707% | 3,706 |
| Earnings coverage of net charge-offs (x) | 2.9001% | 3,977 |
| Efficiency ratio | 55.7500% | 6,081 |
| Assets per employee ($millions) | 8.0668% | 486 |
| Cash dividends to net income (ytd only)* | 24.8262% | 3,575 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1765% | 1,592 |
| Loan loss allowance to noncurrent loans | 93.7617% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 2.4992% | 1,952 |
| Noncurrent loans to loans | 2.3213% | 2,319 |
| Net loans and leases to total assets | 69.9848% | 1,843 |
| Net loans and leases to deposits | 79.5225% | 2,351 |
| Net loans and leases to core deposits | 83.6632% | 2,584 |
| Total domestic deposits to total assets | 88.0063% | 2,232 |
| Equity capital to assets | 10.5566% | 3,460 |
| Core capital (leverage) ratio | 10.7457% | 2,498 |
| Tier 1 risk-based capital ratio | 13.9847% | 4,397 |
| Total risk-based capital ratio | 15.2452% | 4,349 |
| Memoranda: |
| Average total assets | $219,511,600 | 2,845 |
| Average earning assets | $202,548,600 | 2,821 |
| Average equity | $23,193,600 | 2,830 |
| Average total loans | $159,314,800 | 2,443 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6259% | 3,110 |
| Cost of funding earning assets | 0.8853% | 2,269 |
| Net interest margin | 3.7406% | 3,607 |
| Noninterest income to average assets | 0.9251% | 1,747 |
| Noninterest expense to average assets | 2.3659% | 5,500 |
| Loan and lease loss provision to assets | 0.6210% | 862 |
| Net operating income to assets | 0.9245% | 2,856 |
| Return on assets (ROA) | 0.9245% | 3,080 |
| Pretax return on assets | 1.3943% | 2,258 |
| Return on Equity (ROE) | 8.7474% | 2,928 |
| Retained earnings to average equity (ytd only) | 8.7474% | 1,328 |
| Net charge-offs to loans | 1.1003% | 925 |
| Credit loss provision to net charge-offs | 77.4809% | 3,694 |
| Earnings coverage of net charge-offs (x) | 2.5145% | 4,035 |
| Efficiency ratio | 54.0008% | 6,247 |
| Assets per employee ($millions) | 7.9112% | 500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2163% | 1,679 |
| Loan loss allowance to noncurrent loans | 75.1084% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 3.1685% | 1,629 |
| Noncurrent loans to loans | 2.9508% | 1,895 |
| Net loans and leases to total assets | 71.5505% | 1,638 |
| Net loans and leases to deposits | 81.8774% | 2,135 |
| Net loans and leases to core deposits | 87.5258% | 2,273 |
| Total domestic deposits to total assets | 87.3873% | 2,435 |
| Equity capital to assets | 11.1735% | 3,067 |
| Core capital (leverage) ratio | 10.8092% | 2,584 |
| Tier 1 risk-based capital ratio | 14.5992% | 4,120 |
| Total risk-based capital ratio | 15.8607% | 4,082 |
| Memoranda: |
| Average total assets | $217,922,250 | 2,877 |
| Average earning assets | $201,352,750 | 2,849 |
| Average equity | $23,031,000 | 2,876 |
| Average total loans | $158,745,750 | 2,464 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6376% | 3,200 |
| Cost of funding earning assets | 0.9382% | 2,132 |
| Net interest margin | 3.6994% | 3,822 |
| Noninterest income to average assets | 0.8342% | 2,032 |
| Noninterest expense to average assets | 2.2520% | 5,864 |
| Loan and lease loss provision to assets | 0.6109% | 964 |
| Net operating income to assets | 0.9199% | 2,809 |
| Return on assets (ROA) | 0.9199% | 3,079 |
| Pretax return on assets | 1.3867% | 2,250 |
| Return on Equity (ROE) | 8.8694% | 2,872 |
| Retained earnings to average equity (ytd only) | 8.8694% | 1,320 |
| Net charge-offs to loans | 0.2620% | 3,011 |
| Credit loss provision to net charge-offs | 320.5742% | 921 |
| Earnings coverage of net charge-offs (x) | 10.4833% | 2,042 |
| Efficiency ratio | 52.9929% | 6,420 |
| Assets per employee ($millions) | 8.3666% | 400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5923% | 1,160 |
| Loan loss allowance to noncurrent loans | 59.0458% | 4,686 |
| Noncurrent assets plus other real estate owned to assets | 3.9985% | 1,276 |
| Noncurrent loans to loans | 4.3903% | 1,219 |
| Net loans and leases to total assets | 72.8959% | 1,409 |
| Net loans and leases to deposits | 83.0429% | 1,972 |
| Net loans and leases to core deposits | 89.2549% | 2,068 |
| Total domestic deposits to total assets | 87.7811% | 2,289 |
| Equity capital to assets | 10.7111% | 3,442 |
| Core capital (leverage) ratio | 10.5667% | 2,737 |
| Tier 1 risk-based capital ratio | 13.7690% | 4,614 |
| Total risk-based capital ratio | 15.0352% | 4,577 |
| Memoranda: |
| Average total assets | $219,362,000 | 2,875 |
| Average earning assets | $202,519,000 | 2,850 |
| Average equity | $22,752,330 | 2,882 |
| Average total loans | $159,561,670 | 2,468 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6511% | 3,260 |
| Cost of funding earning assets | 0.9961% | 2,005 |
| Net interest margin | 3.6550% | 4,034 |
| Noninterest income to average assets | 0.8371% | 2,004 |
| Noninterest expense to average assets | 2.2081% | 6,021 |
| Loan and lease loss provision to assets | 0.8081% | 603 |
| Net operating income to assets | 0.8226% | 3,283 |
| Return on assets (ROA) | 0.8226% | 3,512 |
| Pretax return on assets | 1.2058% | 2,890 |
| Return on Equity (ROE) | 8.0610% | 3,259 |
| Retained earnings to average equity (ytd only) | 8.0610% | 1,964 |
| Net charge-offs to loans | 0.5344% | 1,749 |
| Credit loss provision to net charge-offs | 210.9005% | 1,291 |
| Earnings coverage of net charge-offs (x) | 5.2559% | 2,413 |
| Efficiency ratio | 52.3011% | 6,510 |
| Assets per employee ($millions) | 8.1509% | 444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4475% | 1,430 |
| Loan loss allowance to noncurrent loans | 53.8721% | 4,853 |
| Noncurrent assets plus other real estate owned to assets | 4.1858% | 1,301 |
| Noncurrent loans to loans | 4.5431% | 1,273 |
| Net loans and leases to total assets | 72.3181% | 1,346 |
| Net loans and leases to deposits | 81.9262% | 1,943 |
| Net loans and leases to core deposits | 88.9367% | 1,960 |
| Total domestic deposits to total assets | 88.2722% | 2,148 |
| Equity capital to assets | 10.3142% | 3,717 |
| Core capital (leverage) ratio | 10.3566% | 2,923 |
| Tier 1 risk-based capital ratio | 13.2824% | 4,999 |
| Total risk-based capital ratio | 14.5453% | 4,974 |
| Memoranda: |
| Average total assets | $220,277,000 | 2,890 |
| Average earning assets | $203,996,000 | 2,847 |
| Average equity | $22,478,500 | 2,916 |
| Average total loans | $157,946,500 | 2,511 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7385% | 4,085 |
| Cost of funding earning assets | 1.2311% | 1,832 |
| Net interest margin | 3.5075% | 5,116 |
| Noninterest income to average assets | 0.7641% | 2,265 |
| Noninterest expense to average assets | 2.2070% | 6,253 |
| Loan and lease loss provision to assets | 0.4753% | 2,228 |
| Net operating income to assets | 0.9078% | 2,569 |
| Return on assets (ROA) | 0.9078% | 2,692 |
| Pretax return on assets | 1.3379% | 1,993 |
| Return on Equity (ROE) | 8.8897% | 2,502 |
| Retained earnings to average equity (ytd only) | 5.4298% | 2,350 |
| Net charge-offs to loans | 0.4800% | 3,074 |
| Credit loss provision to net charge-offs | 134.3542% | 2,244 |
| Earnings coverage of net charge-offs (x) | 5.1252% | 2,893 |
| Efficiency ratio | 54.8981% | 6,438 |
| Assets per employee ($millions) | 8.1659% | 445 |
| Cash dividends to net income (ytd only)* | 38.9206% | 2,671 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4609% | 1,373 |
| Loan loss allowance to noncurrent loans | 46.8996% | 5,194 |
| Noncurrent assets plus other real estate owned to assets | 4.5378% | 1,206 |
| Noncurrent loans to loans | 5.2473% | 1,037 |
| Net loans and leases to total assets | 67.5742% | 2,475 |
| Net loans and leases to deposits | 77.5647% | 2,906 |
| Net loans and leases to core deposits | 85.9522% | 2,638 |
| Total domestic deposits to total assets | 87.1199% | 2,695 |
| Equity capital to assets | 10.0953% | 4,041 |
| Core capital (leverage) ratio | 10.3159% | 2,952 |
| Tier 1 risk-based capital ratio | 13.3957% | 4,774 |
| Total risk-based capital ratio | 14.6589% | 4,734 |
| Memoranda: |
| Average total assets | $212,279,400 | 2,916 |
| Average earning assets | $197,065,600 | 2,889 |
| Average equity | $21,676,800 | 2,926 |
| Average total loans | $156,465,000 | 2,550 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8615% | 3,722 |
| Cost of funding earning assets | 1.2634% | 1,909 |
| Net interest margin | 3.5982% | 4,773 |
| Noninterest income to average assets | 0.6647% | 2,801 |
| Noninterest expense to average assets | 2.1354% | 6,444 |
| Loan and lease loss provision to assets | 0.4281% | 2,330 |
| Net operating income to assets | 0.9684% | 2,440 |
| Return on assets (ROA) | 0.9684% | 2,612 |
| Pretax return on assets | 1.4428% | 1,812 |
| Return on Equity (ROE) | 9.4557% | 2,405 |
| Retained earnings to average equity (ytd only) | 7.9076% | 1,538 |
| Net charge-offs to loans | 0.1787% | 4,375 |
| Credit loss provision to net charge-offs | 319.9052% | 882 |
| Earnings coverage of net charge-offs (x) | 13.9809% | 1,565 |
| Efficiency ratio | 53.3006% | 6,566 |
| Assets per employee ($millions) | 8.4440% | 405 |
| Cash dividends to net income (ytd only)* | 16.3722% | 3,068 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5840% | 1,290 |
| Loan loss allowance to noncurrent loans | 102.6404% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 2.7312% | 2,378 |
| Noncurrent loans to loans | 2.5175% | 2,751 |
| Net loans and leases to total assets | 73.7595% | 1,359 |
| Net loans and leases to deposits | 85.6887% | 1,719 |
| Net loans and leases to core deposits | 97.1501% | 1,496 |
| Total domestic deposits to total assets | 86.0784% | 3,176 |
| Equity capital to assets | 11.0182% | 3,125 |
| Core capital (leverage) ratio | 10.5739% | 2,788 |
| Tier 1 risk-based capital ratio | 13.9209% | 4,409 |
| Total risk-based capital ratio | 15.1868% | 4,362 |
| Memoranda: |
| Average total assets | $210,229,500 | 2,955 |
| Average earning assets | $195,241,500 | 2,923 |
| Average equity | $21,531,500 | 2,943 |
| Average total loans | $157,394,750 | 2,560 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8262% | 3,974 |
| Cost of funding earning assets | 1.2964% | 1,960 |
| Net interest margin | 3.5299% | 5,012 |
| Noninterest income to average assets | 0.5104% | 3,774 |
| Noninterest expense to average assets | 2.0935% | 6,610 |
| Loan and lease loss provision to assets | 0.4230% | 2,319 |
| Net operating income to assets | 0.8630% | 2,809 |
| Return on assets (ROA) | 0.8630% | 2,898 |
| Pretax return on assets | 1.2728% | 2,233 |
| Return on Equity (ROE) | 8.6336% | 2,663 |
| Retained earnings to average equity (ytd only) | 8.6336% | 1,222 |
| Net charge-offs to loans | 0.2659% | 3,556 |
| Credit loss provision to net charge-offs | 213.2701% | 1,408 |
| Earnings coverage of net charge-offs (x) | 8.5498% | 2,043 |
| Efficiency ratio | 55.2468% | 6,484 |
| Assets per employee ($millions) | 8.6761% | 364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3940% | 1,604 |
| Loan loss allowance to noncurrent loans | 101.7687% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 2.5679% | 2,602 |
| Noncurrent loans to loans | 2.3524% | 3,042 |
| Net loans and leases to total assets | 73.2291% | 1,549 |
| Net loans and leases to deposits | 84.5717% | 2,021 |
| Net loans and leases to core deposits | 95.9055% | 1,692 |
| Total domestic deposits to total assets | 86.5881% | 2,995 |
| Equity capital to assets | 10.4824% | 3,529 |
| Core capital (leverage) ratio | 10.4476% | 2,765 |
| Tier 1 risk-based capital ratio | 13.4012% | 4,610 |
| Total risk-based capital ratio | 14.6633% | 4,588 |
| Memoranda: |
| Average total assets | $212,754,000 | 2,939 |
| Average earning assets | $197,628,330 | 2,905 |
| Average equity | $21,265,670 | 2,963 |
| Average total loans | $158,712,000 | 2,556 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7857% | 4,121 |
| Cost of funding earning assets | 1.3531% | 1,869 |
| Net interest margin | 3.4327% | 5,292 |
| Noninterest income to average assets | 0.5004% | 3,882 |
| Noninterest expense to average assets | 2.0947% | 6,648 |
| Loan and lease loss provision to assets | 0.4186% | 2,099 |
| Net operating income to assets | 0.8018% | 3,025 |
| Return on assets (ROA) | 0.8018% | 3,093 |
| Pretax return on assets | 1.1776% | 2,459 |
| Return on Equity (ROE) | 8.2154% | 2,823 |
| Retained earnings to average equity (ytd only) | 8.2154% | 1,658 |
| Net charge-offs to loans | 0.5677% | 2,064 |
| Credit loss provision to net charge-offs | 99.1189% | 2,750 |
| Earnings coverage of net charge-offs (x) | 3.7797% | 2,634 |
| Efficiency ratio | 56.7540% | 6,414 |
| Assets per employee ($millions) | 9.1489% | 313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2027% | 1,961 |
| Loan loss allowance to noncurrent loans | 72.7897% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 2.5867% | 2,647 |
| Noncurrent loans to loans | 3.0261% | 2,487 |
| Net loans and leases to total assets | 73.8273% | 1,374 |
| Net loans and leases to deposits | 85.7952% | 1,764 |
| Net loans and leases to core deposits | 98.2594% | 1,498 |
| Total domestic deposits to total assets | 86.0506% | 3,499 |
| Equity capital to assets | 10.0962% | 3,650 |
| Core capital (leverage) ratio | 10.1705% | 2,953 |
| Tier 1 risk-based capital ratio | 12.3765% | 5,370 |
| Total risk-based capital ratio | 13.6364% | 5,351 |
| Memoranda: |
| Average total assets | $215,018,000 | 2,936 |
| Average earning assets | $199,844,000 | 2,890 |
| Average equity | $20,985,000 | 2,984 |
| Average total loans | $159,957,000 | 2,565 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1198% | 4,007 |
| Cost of funding earning assets | 1.6405% | 1,865 |
| Net interest margin | 3.4792% | 5,326 |
| Noninterest income to average assets | 1.0010% | 1,501 |
| Noninterest expense to average assets | 2.1354% | 6,764 |
| Loan and lease loss provision to assets | 0.6257% | 2,631 |
| Net operating income to assets | 0.9910% | 2,067 |
| Return on assets (ROA) | 0.8955% | 2,542 |
| Pretax return on assets | 1.3326% | 1,851 |
| Return on Equity (ROE) | 9.4791% | 2,116 |
| Retained earnings to average equity (ytd only) | 9.4791% | 608 |
| Net charge-offs to loans | 0.7612% | 2,738 |
| Credit loss provision to net charge-offs | 105.6135% | 4,242 |
| Earnings coverage of net charge-offs (x) | 3.5461% | 3,311 |
| Efficiency ratio | 50.4093% | 7,090 |
| Assets per employee ($millions) | 8.7844% | 368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1737% | 1,920 |
| Loan loss allowance to noncurrent loans | 59.2386% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 2.8318% | 2,476 |
| Noncurrent loans to loans | 3.6693% | 2,033 |
| Net loans and leases to total assets | 71.7464% | 2,154 |
| Net loans and leases to deposits | 83.6100% | 2,511 |
| Net loans and leases to core deposits | 96.3741% | 1,960 |
| Total domestic deposits to total assets | 85.8108% | 3,447 |
| Equity capital to assets | 9.4371% | 4,489 |
| Core capital (leverage) ratio | 9.8478% | 3,266 |
| Tier 1 risk-based capital ratio | 12.1433% | 5,343 |
| Total risk-based capital ratio | 13.4024% | 5,315 |
| Memoranda: |
| Average total assets | $210,495,000 | 2,976 |
| Average earning assets | $195,732,200 | 2,930 |
| Average equity | $19,885,800 | 3,160 |
| Average total loans | $163,819,600 | 2,563 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2402% | 3,630 |
| Cost of funding earning assets | 1.7041% | 1,859 |
| Net interest margin | 3.5361% | 5,161 |
| Noninterest income to average assets | 0.8568% | 1,971 |
| Noninterest expense to average assets | 2.1516% | 6,736 |
| Loan and lease loss provision to assets | 0.4783% | 3,081 |
| Net operating income to assets | 1.0149% | 2,184 |
| Return on assets (ROA) | 1.0149% | 2,302 |
| Pretax return on assets | 1.5195% | 1,562 |
| Return on Equity (ROE) | 10.7404% | 1,866 |
| Retained earnings to average equity (ytd only) | 10.7404% | 643 |
| Net charge-offs to loans | 0.7189% | 2,624 |
| Credit loss provision to net charge-offs | 84.2165% | 4,990 |
| Earnings coverage of net charge-offs (x) | 3.5175% | 3,412 |
| Efficiency ratio | 51.8519% | 6,993 |
| Assets per employee ($millions) | 8.2830% | 456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0361% | 2,131 |
| Loan loss allowance to noncurrent loans | 83.9969% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 1.9283% | 3,575 |
| Noncurrent loans to loans | 2.4240% | 3,207 |
| Net loans and leases to total assets | 76.4678% | 1,320 |
| Net loans and leases to deposits | 90.5222% | 1,648 |
| Net loans and leases to core deposits | 104.2882% | 1,455 |
| Total domestic deposits to total assets | 84.4741% | 3,884 |
| Equity capital to assets | 9.9819% | 4,176 |
| Core capital (leverage) ratio | 9.8629% | 3,410 |
| Tier 1 risk-based capital ratio | 12.3358% | 5,137 |
| Total risk-based capital ratio | 13.5948% | 5,100 |
| Memoranda: |
| Average total assets | $208,216,000 | 3,043 |
| Average earning assets | $193,880,000 | 2,992 |
| Average equity | $19,676,000 | 3,232 |
| Average total loans | $164,508,500 | 2,598 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2597% | 3,655 |
| Cost of funding earning assets | 1.7450% | 1,895 |
| Net interest margin | 3.5147% | 5,196 |
| Noninterest income to average assets | 0.6318% | 3,114 |
| Noninterest expense to average assets | 2.1074% | 6,879 |
| Loan and lease loss provision to assets | 0.4775% | 2,916 |
| Net operating income to assets | 0.8917% | 2,579 |
| Return on assets (ROA) | 0.8917% | 2,703 |
| Pretax return on assets | 1.3145% | 2,042 |
| Return on Equity (ROE) | 9.6151% | 2,239 |
| Retained earnings to average equity (ytd only) | 9.6151% | 938 |
| Net charge-offs to loans | 0.4895% | 3,073 |
| Credit loss provision to net charge-offs | 122.9630% | 3,287 |
| Earnings coverage of net charge-offs (x) | 4.6148% | 2,897 |
| Efficiency ratio | 54.0448% | 6,879 |
| Assets per employee ($millions) | 8.6530% | 387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1369% | 1,889 |
| Loan loss allowance to noncurrent loans | 129.9410% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 1.3661% | 4,437 |
| Noncurrent loans to loans | 1.6445% | 4,241 |
| Net loans and leases to total assets | 77.7143% | 1,163 |
| Net loans and leases to deposits | 92.1918% | 1,498 |
| Net loans and leases to core deposits | 106.7197% | 1,388 |
| Total domestic deposits to total assets | 84.2963% | 3,964 |
| Equity capital to assets | 9.5651% | 4,610 |
| Core capital (leverage) ratio | 9.5258% | 3,783 |
| Tier 1 risk-based capital ratio | 11.7897% | 5,503 |
| Total risk-based capital ratio | 13.0507% | 5,458 |
| Memoranda: |
| Average total assets | $208,596,670 | 3,057 |
| Average earning assets | $193,927,000 | 3,021 |
| Average equity | $19,344,670 | 3,263 |
| Average total loans | $165,466,000 | 2,617 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1517% | 4,287 |
| Cost of funding earning assets | 1.7838% | 1,942 |
| Net interest margin | 3.3678% | 5,718 |
| Noninterest income to average assets | 0.5434% | 3,697 |
| Noninterest expense to average assets | 2.1104% | 6,910 |
| Loan and lease loss provision to assets | 0.4764% | 2,594 |
| Net operating income to assets | 0.7596% | 3,162 |
| Return on assets (ROA) | 0.7596% | 3,271 |
| Pretax return on assets | 1.0849% | 2,789 |
| Return on Equity (ROE) | 8.3207% | 2,727 |
| Retained earnings to average equity (ytd only) | 8.3207% | 1,583 |
| Net charge-offs to loans | 0.9991% | 1,642 |
| Credit loss provision to net charge-offs | 60.1449% | 4,294 |
| Earnings coverage of net charge-offs (x) | 1.9710% | 3,551 |
| Efficiency ratio | 57.4779% | 6,567 |
| Assets per employee ($millions) | 8.7056% | 387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0046% | 2,175 |
| Loan loss allowance to noncurrent loans | 127.4785% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 2.0083% | 3,493 |
| Noncurrent loans to loans | 1.5725% | 4,385 |
| Net loans and leases to total assets | 76.4166% | 1,452 |
| Net loans and leases to deposits | 90.4528% | 1,835 |
| Net loans and leases to core deposits | 105.1480% | 1,643 |
| Total domestic deposits to total assets | 84.4823% | 3,903 |
| Equity capital to assets | 9.2321% | 4,946 |
| Core capital (leverage) ratio | 9.3054% | 4,046 |
| Tier 1 risk-based capital ratio | 11.1314% | 6,023 |
| Total risk-based capital ratio | 12.3880% | 5,988 |
| Memoranda: |
| Average total assets | $209,059,500 | 3,109 |
| Average earning assets | $194,189,500 | 3,072 |
| Average equity | $19,085,000 | 3,314 |
| Average total loans | $165,742,000 | 2,677 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3084% | 5,138 |
| Cost of funding earning assets | 2.0401% | 2,772 |
| Net interest margin | 3.2683% | 5,864 |
| Noninterest income to average assets | 0.8882% | 1,990 |
| Noninterest expense to average assets | 2.0441% | 7,291 |
| Loan and lease loss provision to assets | 1.2159% | 1,888 |
| Net operating income to assets | 0.4661% | 3,874 |
| Return on assets (ROA) | 0.4661% | 3,990 |
| Pretax return on assets | 0.6990% | 3,579 |
| Return on Equity (ROE) | 5.1376% | 3,609 |
| Retained earnings to average equity (ytd only) | 4.0706% | 2,371 |
| Net charge-offs to loans | 0.7599% | 2,922 |
| Credit loss provision to net charge-offs | 198.2636% | 1,983 |
| Earnings coverage of net charge-offs (x) | 3.1223% | 3,499 |
| Efficiency ratio | 51.6322% | 7,416 |
| Assets per employee ($millions) | 8.7160% | 385 |
| Cash dividends to net income (ytd only)* | 20.7684% | 3,636 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0355% | 1,946 |
| Loan loss allowance to noncurrent loans | 90.0761% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 1.9423% | 3,464 |
| Noncurrent loans to loans | 2.2598% | 3,326 |
| Net loans and leases to total assets | 78.9382% | 1,197 |
| Net loans and leases to deposits | 93.4520% | 1,670 |
| Net loans and leases to core deposits | 108.4949% | 3,052 |
| Total domestic deposits to total assets | 84.4692% | 3,810 |
| Equity capital to assets | 9.0260% | 5,103 |
| Core capital (leverage) ratio | 9.0532% | 4,337 |
| Tier 1 risk-based capital ratio | 10.1035% | 6,786 |
| Total risk-based capital ratio | 11.3603% | 6,747 |
| Memoranda: |
| Average total assets | $206,591,200 | 3,100 |
| Average earning assets | $194,107,400 | 3,049 |
| Average equity | $18,744,200 | 3,384 |
| Average total loans | $166,737,800 | 2,668 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2754% | 5,543 |
| Cost of funding earning assets | 2.0873% | 2,945 |
| Net interest margin | 3.1880% | 6,066 |
| Noninterest income to average assets | 0.9698% | 1,707 |
| Noninterest expense to average assets | 2.0762% | 7,230 |
| Loan and lease loss provision to assets | 0.6034% | 2,978 |
| Net operating income to assets | 0.8837% | 2,480 |
| Return on assets (ROA) | 0.8837% | 2,558 |
| Pretax return on assets | 1.2942% | 1,966 |
| Return on Equity (ROE) | 9.7272% | 2,022 |
| Retained earnings to average equity (ytd only) | 8.3019% | 1,041 |
| Net charge-offs to loans | 0.5380% | 3,068 |
| Credit loss provision to net charge-offs | 138.8972% | 3,560 |
| Earnings coverage of net charge-offs (x) | 4.3681% | 3,160 |
| Efficiency ratio | 52.2483% | 7,391 |
| Assets per employee ($millions) | 8.6615% | 408 |
| Cash dividends to net income (ytd only)* | 14.6521% | 3,392 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4550% | 3,667 |
| Loan loss allowance to noncurrent loans | 72.3322% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 1.6876% | 3,845 |
| Noncurrent loans to loans | 2.0116% | 3,626 |
| Net loans and leases to total assets | 79.7253% | 1,229 |
| Net loans and leases to deposits | 95.7003% | 1,619 |
| Net loans and leases to core deposits | 111.3598% | 3,085 |
| Total domestic deposits to total assets | 83.3073% | 4,062 |
| Equity capital to assets | 9.3277% | 4,989 |
| Core capital (leverage) ratio | 9.3027% | 4,186 |
| Tier 1 risk-based capital ratio | 10.5104% | 6,457 |
| Total risk-based capital ratio | 11.7605% | 6,410 |
| Memoranda: |
| Average total assets | $205,943,000 | 3,128 |
| Average earning assets | $194,053,250 | 3,070 |
| Average equity | $18,710,000 | 3,416 |
| Average total loans | $166,283,000 | 2,695 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2631% | 5,815 |
| Cost of funding earning assets | 2.1601% | 2,988 |
| Net interest margin | 3.1030% | 6,227 |
| Noninterest income to average assets | 1.1495% | 1,184 |
| Noninterest expense to average assets | 2.1130% | 7,248 |
| Loan and lease loss provision to assets | 0.4131% | 3,464 |
| Net operating income to assets | 1.0346% | 1,991 |
| Return on assets (ROA) | 1.0346% | 2,069 |
| Pretax return on assets | 1.5441% | 1,340 |
| Return on Equity (ROE) | 11.4914% | 1,562 |
| Retained earnings to average equity (ytd only) | 11.4914% | 500 |
| Net charge-offs to loans | 0.3465% | 3,453 |
| Credit loss provision to net charge-offs | 147.7352% | 3,125 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,510 |
| Efficiency ratio | 51.9148% | 7,522 |
| Assets per employee ($millions) | 8.5305% | 407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4304% | 3,571 |
| Loan loss allowance to noncurrent loans | 61.6180% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 1.9025% | 3,335 |
| Noncurrent loans to loans | 2.3214% | 3,116 |
| Net loans and leases to total assets | 78.1885% | 1,703 |
| Net loans and leases to deposits | 94.1114% | 2,070 |
| Net loans and leases to core deposits | 110.5245% | 3,322 |
| Total domestic deposits to total assets | 83.0807% | 4,202 |
| Equity capital to assets | 9.3230% | 4,836 |
| Core capital (leverage) ratio | 9.2022% | 4,303 |
| Tier 1 risk-based capital ratio | 10.6930% | 6,191 |
| Total risk-based capital ratio | 11.8996% | 6,169 |
| Memoranda: |
| Average total assets | $205,299,000 | 3,163 |
| Average earning assets | $193,230,330 | 3,102 |
| Average equity | $18,483,330 | 3,470 |
| Average total loans | $165,652,000 | 2,733 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1982% | 6,300 |
| Cost of funding earning assets | 2.2109% | 3,112 |
| Net interest margin | 2.9872% | 6,516 |
| Noninterest income to average assets | 1.3172% | 823 |
| Noninterest expense to average assets | 2.0838% | 7,157 |
| Loan and lease loss provision to assets | 0.2627% | 3,858 |
| Net operating income to assets | 1.1732% | 1,731 |
| Return on assets (ROA) | 1.1732% | 1,843 |
| Pretax return on assets | 1.7784% | 1,019 |
| Return on Equity (ROE) | 13.2662% | 1,318 |
| Retained earnings to average equity (ytd only) | 13.2662% | 597 |
| Net charge-offs to loans | 0.3204% | 2,818 |
| Credit loss provision to net charge-offs | 100.7463% | 3,699 |
| Earnings coverage of net charge-offs (x) | 7.8284% | 2,291 |
| Efficiency ratio | 50.5189% | 7,548 |
| Assets per employee ($millions) | 8.6042% | 406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3258% | 3,933 |
| Loan loss allowance to noncurrent loans | 61.1235% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 1.7932% | 3,231 |
| Noncurrent loans to loans | 2.1690% | 3,026 |
| Net loans and leases to total assets | 78.8253% | 1,618 |
| Net loans and leases to deposits | 94.7821% | 2,139 |
| Net loans and leases to core deposits | 112.7469% | 3,138 |
| Total domestic deposits to total assets | 83.1647% | 4,062 |
| Equity capital to assets | 8.9661% | 5,394 |
| Core capital (leverage) ratio | 9.1672% | 4,456 |
| Tier 1 risk-based capital ratio | 10.3312% | 6,564 |
| Total risk-based capital ratio | 11.5607% | 6,511 |
| Memoranda: |
| Average total assets | $205,583,000 | 3,173 |
| Average earning assets | $193,221,500 | 3,109 |
| Average equity | $18,181,500 | 3,543 |
| Average total loans | $167,278,500 | 2,736 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1945% | 4,546 |
| Cost of funding earning assets | 2.6778% | 3,276 |
| Net interest margin | 3.5167% | 5,244 |
| Noninterest income to average assets | 0.5926% | 3,895 |
| Noninterest expense to average assets | 2.1417% | 7,135 |
| Loan and lease loss provision to assets | 0.1667% | 5,251 |
| Net operating income to assets | 1.0222% | 2,466 |
| Return on assets (ROA) | 1.0222% | 2,349 |
| Pretax return on assets | 1.5713% | 1,471 |
| Return on Equity (ROE) | 11.7881% | 1,658 |
| Retained earnings to average equity (ytd only) | 11.7881% | 242 |
| Net charge-offs to loans | 0.1044% | 5,265 |
| Credit loss provision to net charge-offs | 189.4118% | 2,609 |
| Earnings coverage of net charge-offs (x) | 19.7529% | 1,609 |
| Efficiency ratio | 55.2028% | 7,124 |
| Assets per employee ($millions) | 8.8985% | 358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2890% | 3,867 |
| Loan loss allowance to noncurrent loans | 307.0225% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.4090% | 5,991 |
| Noncurrent loans to loans | 0.4198% | 6,086 |
| Net loans and leases to total assets | 81.7966% | 1,266 |
| Net loans and leases to deposits | 99.3295% | 1,937 |
| Net loans and leases to core deposits | 121.2678% | 2,581 |
| Total domestic deposits to total assets | 82.3487% | 4,060 |
| Equity capital to assets | 8.7206% | 5,778 |
| Core capital (leverage) ratio | 9.0858% | 4,618 |
| Tier 1 risk-based capital ratio | 9.6901% | 7,100 |
| Total risk-based capital ratio | 10.8819% | 7,060 |
| Memoranda: |
| Average total assets | $193,211,200 | 3,222 |
| Average earning assets | $180,594,800 | 3,178 |
| Average equity | $16,754,200 | 3,783 |
| Average total loans | $162,852,600 | 2,731 |
