| 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 | 4.6901% | 2,705 |
| Cost of funding earning assets | 1.2086% | 2,778 |
| Net interest margin | 3.4815% | 2,229 |
| Noninterest income to average assets | 0.6300% | 1,422 |
| Noninterest expense to average assets | 2.1357% | 3,309 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.3687% | 1,280 |
| Return on assets (ROA) | 1.3687% | 1,249 |
| Pretax return on assets | 1.6616% | 1,133 |
| Return on Equity (ROE) | 16.6700% | 994 |
| Retained earnings to average equity (ytd only) | 12.3471% | 599 |
| Net charge-offs to loans | 0.0320% | 1,655 |
| Credit loss provision to net charge-offs | 329.6296% | 897 |
| Earnings coverage of net charge-offs (x) | 86.0463% | 977 |
| Efficiency ratio | 55.0650% | 3,595 |
| Assets per employee ($millions) | 6.9960% | 2,078 |
| Cash dividends to net income (ytd only)* | 25.9523% | 2,716 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2155% | 2,203 |
| Loan loss allowance to noncurrent loans | 601.6620% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.1358% | 2,616 |
| Noncurrent loans to loans | 0.2020% | 2,503 |
| Net loans and leases to total assets | 66.4000% | 2,213 |
| Net loans and leases to deposits | 76.2985% | 2,426 |
| Net loans and leases to core deposits | 80.2295% | 2,691 |
| Total domestic deposits to total assets | 87.0200% | 1,674 |
| Equity capital to assets | 9.0407% | 2,649 |
| Core capital (leverage) ratio | 10.8061% | 2,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $533,222,800 | 1,660 |
| Average earning assets | $498,259,000 | 1,642 |
| Average equity | $43,767,400 | 1,768 |
| Average total loans | $337,791,000 | 1,654 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5458% | 2,807 |
| Cost of funding earning assets | 1.0528% | 2,879 |
| Net interest margin | 3.4930% | 2,225 |
| Noninterest income to average assets | 0.6100% | 1,484 |
| Noninterest expense to average assets | 2.1026% | 3,351 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.3890% | 1,345 |
| Return on assets (ROA) | 1.3890% | 1,332 |
| Pretax return on assets | 1.6874% | 1,191 |
| Return on Equity (ROE) | 17.3600% | 1,026 |
| Retained earnings to average equity (ytd only) | 12.9482% | 824 |
| Net charge-offs to loans | 0.0116% | 1,975 |
| Credit loss provision to net charge-offs | 1,010.3448% | 395 |
| Earnings coverage of net charge-offs (x) | 245.4138% | 520 |
| Efficiency ratio | 54.1785% | 3,571 |
| Assets per employee ($millions) | 7.0715% | 1,907 |
| Cash dividends to net income (ytd only)* | 25.4182% | 2,249 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2694% | 2,014 |
| Loan loss allowance to noncurrent loans | 457.5026% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.1773% | 2,400 |
| Noncurrent loans to loans | 0.2775% | 2,244 |
| Net loans and leases to total assets | 63.1000% | 2,550 |
| Net loans and leases to deposits | 71.6035% | 2,732 |
| Net loans and leases to core deposits | 75.0916% | 2,925 |
| Total domestic deposits to total assets | 88.1200% | 1,529 |
| Equity capital to assets | 8.0110% | 3,055 |
| Core capital (leverage) ratio | 10.7150% | 2,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $533,604,000 | 1,657 |
| Average earning assets | $498,969,500 | 1,638 |
| Average equity | $42,692,000 | 1,785 |
| Average total loans | $332,892,500 | 1,668 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4450% | 2,783 |
| Cost of funding earning assets | 0.8810% | 2,985 |
| Net interest margin | 3.5639% | 2,120 |
| Noninterest income to average assets | 0.6100% | 1,422 |
| Noninterest expense to average assets | 2.1092% | 3,323 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.4288% | 1,262 |
| Return on assets (ROA) | 1.4288% | 1,244 |
| Pretax return on assets | 1.7373% | 1,137 |
| Return on Equity (ROE) | 17.8700% | 977 |
| Retained earnings to average equity (ytd only) | 13.4926% | 746 |
| Net charge-offs to loans | 0.0079% | 1,927 |
| Credit loss provision to net charge-offs | 1,453.8462% | 325 |
| Earnings coverage of net charge-offs (x) | 375.6923% | 380 |
| Efficiency ratio | 53.4769% | 3,656 |
| Assets per employee ($millions) | 7.1049% | 1,846 |
| Cash dividends to net income (ytd only)* | 24.4807% | 2,274 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2714% | 2,059 |
| Loan loss allowance to noncurrent loans | 438.6037% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.1853% | 2,267 |
| Noncurrent loans to loans | 0.2899% | 2,096 |
| Net loans and leases to total assets | 63.0900% | 2,473 |
| Net loans and leases to deposits | 71.8787% | 2,657 |
| Net loans and leases to core deposits | 75.2573% | 2,807 |
| Total domestic deposits to total assets | 87.7800% | 1,680 |
| Equity capital to assets | 8.3056% | 3,023 |
| Core capital (leverage) ratio | 10.5572% | 2,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $532,326,333 | 1,661 |
| Average earning assets | $498,046,667 | 1,641 |
| Average equity | $42,571,333 | 1,797 |
| Average total loans | $329,370,000 | 1,676 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3214% | 2,746 |
| Cost of funding earning assets | 0.6878% | 3,089 |
| Net interest margin | 3.6336% | 2,050 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 2.0515% | 3,496 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 1.4779% | 1,225 |
| Return on assets (ROA) | 1.4779% | 1,208 |
| Pretax return on assets | 1.8006% | 1,066 |
| Return on Equity (ROE) | 18.8400% | 908 |
| Retained earnings to average equity (ytd only) | 14.4112% | 884 |
| Net charge-offs to loans | 0.0123% | 1,493 |
| Credit loss provision to net charge-offs | 840.0000% | 399 |
| Earnings coverage of net charge-offs (x) | 256.5000% | 418 |
| Efficiency ratio | 51.7131% | 3,806 |
| Assets per employee ($millions) | 7.8379% | 1,441 |
| Cash dividends to net income (ytd only)* | 23.4967% | 1,892 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2576% | 2,251 |
| Loan loss allowance to noncurrent loans | 657.8864% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.1207% | 2,662 |
| Noncurrent loans to loans | 0.1912% | 2,517 |
| Net loans and leases to total assets | 62.3600% | 2,429 |
| Net loans and leases to deposits | 69.5854% | 2,649 |
| Net loans and leases to core deposits | 72.4762% | 2,783 |
| Total domestic deposits to total assets | 89.6200% | 1,292 |
| Equity capital to assets | 8.3162% | 3,028 |
| Core capital (leverage) ratio | 10.1609% | 2,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $535,607,500 | 1,667 |
| Average earning assets | $501,878,000 | 1,648 |
| Average equity | $42,023,000 | 1,833 |
| Average total loans | $326,055,000 | 1,700 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6337% | 2,698 |
| Cost of funding earning assets | 0.2750% | 3,099 |
| Net interest margin | 3.3587% | 2,387 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 2.0553% | 3,428 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.3563% | 1,260 |
| Return on assets (ROA) | 1.3563% | 1,218 |
| Pretax return on assets | 1.6540% | 1,028 |
| Return on Equity (ROE) | 16.5700% | 947 |
| Retained earnings to average equity (ytd only) | 12.4433% | 598 |
| Net charge-offs to loans | -0.0003% | 3,285 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 54.8291% | 3,708 |
| Assets per employee ($millions) | 7.5844% | 1,562 |
| Cash dividends to net income (ytd only)* | 24.8881% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2782% | 2,003 |
| Loan loss allowance to noncurrent loans | 661.7124% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.1134% | 2,732 |
| Noncurrent loans to loans | 0.1932% | 2,513 |
| Net loans and leases to total assets | 57.9300% | 2,829 |
| Net loans and leases to deposits | 63.9169% | 3,052 |
| Net loans and leases to core deposits | 66.2991% | 3,115 |
| Total domestic deposits to total assets | 90.6400% | 1,088 |
| Equity capital to assets | 7.3935% | 3,445 |
| Core capital (leverage) ratio | 9.8615% | 2,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $510,445,600 | 1,696 |
| Average earning assets | $478,603,000 | 1,680 |
| Average equity | $41,789,400 | 1,862 |
| Average total loans | $300,436,600 | 1,717 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4813% | 2,678 |
| Cost of funding earning assets | 0.1999% | 3,276 |
| Net interest margin | 3.2814% | 2,352 |
| Noninterest income to average assets | 0.6200% | 1,634 |
| Noninterest expense to average assets | 2.0345% | 3,390 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.3452% | 1,220 |
| Return on assets (ROA) | 1.3452% | 1,200 |
| Pretax return on assets | 1.6426% | 1,021 |
| Return on Equity (ROE) | 16.0100% | 974 |
| Retained earnings to average equity (ytd only) | 11.9621% | 800 |
| Net charge-offs to loans | -0.0072% | 3,593 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.0893% | 3,712 |
| Assets per employee ($millions) | 7.1624% | 1,832 |
| Cash dividends to net income (ytd only)* | 25.2767% | 2,247 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2905% | 2,076 |
| Loan loss allowance to noncurrent loans | 549.2393% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.1383% | 2,637 |
| Noncurrent loans to loans | 0.2350% | 2,447 |
| Net loans and leases to total assets | 58.0900% | 2,688 |
| Net loans and leases to deposits | 64.0814% | 2,861 |
| Net loans and leases to core deposits | 66.3261% | 2,933 |
| Total domestic deposits to total assets | 90.6500% | 1,385 |
| Equity capital to assets | 7.3246% | 3,316 |
| Core capital (leverage) ratio | 9.7920% | 2,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $501,538,500 | 1,726 |
| Average earning assets | $470,231,500 | 1,706 |
| Average equity | $42,143,250 | 1,878 |
| Average total loans | $295,431,750 | 1,734 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3446% | 2,592 |
| Cost of funding earning assets | 0.1585% | 3,474 |
| Net interest margin | 3.1861% | 2,237 |
| Noninterest income to average assets | 0.6225% | 1,642 |
| Noninterest expense to average assets | 2.0375% | 3,329 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2904% | 1,162 |
| Return on assets (ROA) | 1.2904% | 1,146 |
| Pretax return on assets | 1.5772% | 994 |
| Return on Equity (ROE) | 14.6919% | 959 |
| Retained earnings to average equity (ytd only) | 10.7633% | 831 |
| Net charge-offs to loans | -0.0096% | 3,580 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3675% | 3,740 |
| Assets per employee ($millions) | 7.0366% | 1,913 |
| Cash dividends to net income (ytd only)* | 26.7398% | 2,218 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3113% | 2,139 |
| Loan loss allowance to noncurrent loans | 484.3866% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.1593% | 2,590 |
| Noncurrent loans to loans | 0.2707% | 2,395 |
| Net loans and leases to total assets | 58.0688% | 2,528 |
| Net loans and leases to deposits | 64.6313% | 2,665 |
| Net loans and leases to core deposits | 66.9655% | 2,743 |
| Total domestic deposits to total assets | 89.8463% | 1,774 |
| Equity capital to assets | 8.1090% | 3,036 |
| Core capital (leverage) ratio | 9.8656% | 2,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $494,433,667 | 1,743 |
| Average earning assets | $464,336,000 | 1,737 |
| Average equity | $43,425,333 | 1,876 |
| Average total loans | $291,340,333 | 1,751 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2584% | 2,504 |
| Cost of funding earning assets | 0.1506% | 3,497 |
| Net interest margin | 3.1078% | 2,147 |
| Noninterest income to average assets | 0.6528% | 1,483 |
| Noninterest expense to average assets | 2.0470% | 3,308 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2500% | 1,118 |
| Return on assets (ROA) | 1.2500% | 1,104 |
| Pretax return on assets | 1.5293% | 962 |
| Return on Equity (ROE) | 13.6872% | 892 |
| Retained earnings to average equity (ytd only) | 9.8662% | 1,055 |
| Net charge-offs to loans | -0.0097% | 3,575 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2377% | 3,756 |
| Assets per employee ($millions) | 6.9369% | 2,032 |
| Cash dividends to net income (ytd only)* | 27.9161% | 1,807 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3386% | 2,171 |
| Loan loss allowance to noncurrent loans | 562.1037% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.1438% | 2,786 |
| Noncurrent loans to loans | 0.2381% | 2,642 |
| Net loans and leases to total assets | 57.5692% | 2,347 |
| Net loans and leases to deposits | 64.4748% | 2,484 |
| Net loans and leases to core deposits | 66.8916% | 2,550 |
| Total domestic deposits to total assets | 89.2895% | 1,932 |
| Equity capital to assets | 8.5715% | 3,104 |
| Core capital (leverage) ratio | 9.9240% | 2,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $488,333,000 | 1,771 |
| Average earning assets | $459,363,500 | 1,758 |
| Average equity | $44,596,500 | 1,903 |
| Average total loans | $287,957,500 | 1,748 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5353% | 2,554 |
| Cost of funding earning assets | 0.2346% | 3,085 |
| Net interest margin | 3.3007% | 2,316 |
| Noninterest income to average assets | 0.9829% | 1,036 |
| Noninterest expense to average assets | 2.2582% | 2,921 |
| Loan and lease loss provision to assets | 0.0324% | 2,400 |
| Net operating income to assets | 1.4743% | 1,076 |
| Return on assets (ROA) | 1.4743% | 1,130 |
| Pretax return on assets | 1.8140% | 887 |
| Return on Equity (ROE) | 15.2131% | 906 |
| Retained earnings to average equity (ytd only) | 11.5988% | 594 |
| Net charge-offs to loans | 0.0212% | 1,844 |
| Credit loss provision to net charge-offs | 250.0000% | 1,169 |
| Earnings coverage of net charge-offs (x) | 142.4167% | 692 |
| Efficiency ratio | 55.0168% | 3,819 |
| Assets per employee ($millions) | 6.4488% | 2,371 |
| Cash dividends to net income (ytd only)* | 23.7579% | 2,858 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3688% | 2,054 |
| Loan loss allowance to noncurrent loans | 607.4883% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.1394% | 2,960 |
| Noncurrent loans to loans | 0.2253% | 2,832 |
| Net loans and leases to total assets | 58.7974% | 2,300 |
| Net loans and leases to deposits | 66.8025% | 2,427 |
| Net loans and leases to core deposits | 69.4854% | 2,506 |
| Total domestic deposits to total assets | 88.0168% | 2,038 |
| Equity capital to assets | 9.7194% | 2,924 |
| Core capital (leverage) ratio | 9.9579% | 2,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $462,797,600 | 1,804 |
| Average earning assets | $437,697,400 | 1,778 |
| Average equity | $44,849,600 | 1,930 |
| Average total loans | $282,672,000 | 1,777 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5160% | 2,780 |
| Cost of funding earning assets | 0.2497% | 3,128 |
| Net interest margin | 3.2662% | 2,526 |
| Noninterest income to average assets | 1.0322% | 1,013 |
| Noninterest expense to average assets | 2.2445% | 2,909 |
| Loan and lease loss provision to assets | 0.0436% | 2,121 |
| Net operating income to assets | 1.4808% | 1,318 |
| Return on assets (ROA) | 1.4808% | 1,367 |
| Pretax return on assets | 1.8353% | 1,078 |
| Return on Equity (ROE) | 15.2920% | 1,092 |
| Retained earnings to average equity (ytd only) | 11.6819% | 902 |
| Net charge-offs to loans | -0.0061% | 3,499 |
| Credit loss provision to net charge-offs | -1,153.8462% | 3,888 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4328% | 3,738 |
| Assets per employee ($millions) | 6.6113% | 2,164 |
| Cash dividends to net income (ytd only)* | 23.6078% | 2,385 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3951% | 2,044 |
| Loan loss allowance to noncurrent loans | 597.7410% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.1815% | 2,899 |
| Noncurrent loans to loans | 0.2334% | 3,005 |
| Net loans and leases to total assets | 58.9333% | 2,379 |
| Net loans and leases to deposits | 69.0140% | 2,329 |
| Net loans and leases to core deposits | 71.8419% | 2,436 |
| Total domestic deposits to total assets | 85.3932% | 2,986 |
| Equity capital to assets | 9.6546% | 3,243 |
| Core capital (leverage) ratio | 9.9832% | 2,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $459,194,500 | 1,833 |
| Average earning assets | $434,576,250 | 1,811 |
| Average equity | $44,466,500 | 1,967 |
| Average total loans | $282,219,750 | 1,815 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5062% | 2,876 |
| Cost of funding earning assets | 0.2664% | 3,120 |
| Net interest margin | 3.2398% | 2,638 |
| Noninterest income to average assets | 1.1142% | 910 |
| Noninterest expense to average assets | 2.2624% | 2,871 |
| Loan and lease loss provision to assets | 0.0661% | 1,720 |
| Net operating income to assets | 1.4939% | 1,310 |
| Return on assets (ROA) | 1.4939% | 1,373 |
| Pretax return on assets | 1.8532% | 1,115 |
| Return on Equity (ROE) | 15.4106% | 1,065 |
| Retained earnings to average equity (ytd only) | 11.7808% | 966 |
| Net charge-offs to loans | -0.0135% | 3,805 |
| Credit loss provision to net charge-offs | -789.4737% | 3,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1016% | 3,789 |
| Assets per employee ($millions) | 6.1647% | 2,468 |
| Cash dividends to net income (ytd only)* | 23.5537% | 2,364 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4098% | 1,934 |
| Loan loss allowance to noncurrent loans | 528.4574% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.2059% | 2,913 |
| Noncurrent loans to loans | 0.2668% | 2,982 |
| Net loans and leases to total assets | 60.1054% | 2,414 |
| Net loans and leases to deposits | 70.5435% | 2,354 |
| Net loans and leases to core deposits | 73.6164% | 2,447 |
| Total domestic deposits to total assets | 85.2034% | 3,015 |
| Equity capital to assets | 9.7392% | 3,106 |
| Core capital (leverage) ratio | 10.0655% | 2,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $453,589,000 | 1,843 |
| Average earning assets | $429,468,000 | 1,817 |
| Average equity | $43,969,667 | 1,967 |
| Average total loans | $281,460,333 | 1,828 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5270% | 2,838 |
| Cost of funding earning assets | 0.2975% | 3,021 |
| Net interest margin | 3.2295% | 2,607 |
| Noninterest income to average assets | 1.1549% | 917 |
| Noninterest expense to average assets | 2.3036% | 2,772 |
| Loan and lease loss provision to assets | 0.1336% | 1,014 |
| Net operating income to assets | 1.4381% | 1,472 |
| Return on assets (ROA) | 1.4381% | 1,546 |
| Pretax return on assets | 1.7818% | 1,326 |
| Return on Equity (ROE) | 14.8713% | 1,247 |
| Retained earnings to average equity (ytd only) | 11.1972% | 1,350 |
| Net charge-offs to loans | -0.0199% | 3,995 |
| Credit loss provision to net charge-offs | -1,071.4286% | 3,382 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6011% | 3,722 |
| Assets per employee ($millions) | 6.4007% | 2,252 |
| Cash dividends to net income (ytd only)* | 24.7059% | 1,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3998% | 1,957 |
| Loan loss allowance to noncurrent loans | 516.7969% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.2218% | 3,044 |
| Noncurrent loans to loans | 0.2709% | 3,139 |
| Net loans and leases to total assets | 61.5197% | 2,338 |
| Net loans and leases to deposits | 72.2672% | 2,285 |
| Net loans and leases to core deposits | 75.5086% | 2,394 |
| Total domestic deposits to total assets | 85.1281% | 3,052 |
| Equity capital to assets | 9.6416% | 3,058 |
| Core capital (leverage) ratio | 10.0325% | 2,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $449,205,500 | 1,845 |
| Average earning assets | $426,195,500 | 1,815 |
| Average equity | $43,439,500 | 1,966 |
| Average total loans | $281,253,000 | 1,828 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8473% | 3,172 |
| Cost of funding earning assets | 0.5603% | 2,559 |
| Net interest margin | 3.2870% | 3,104 |
| Noninterest income to average assets | 1.0768% | 923 |
| Noninterest expense to average assets | 2.4111% | 3,104 |
| Loan and lease loss provision to assets | 0.2931% | 1,293 |
| Net operating income to assets | 1.2197% | 1,483 |
| Return on assets (ROA) | 1.2197% | 1,597 |
| Pretax return on assets | 1.4937% | 1,351 |
| Return on Equity (ROE) | 12.7513% | 1,108 |
| Retained earnings to average equity (ytd only) | 9.1496% | 734 |
| Net charge-offs to loans | 0.0849% | 1,613 |
| Credit loss provision to net charge-offs | 550.4386% | 1,176 |
| Earnings coverage of net charge-offs (x) | 33.5526% | 1,517 |
| Efficiency ratio | 57.4362% | 3,800 |
| Assets per employee ($millions) | 6.3423% | 2,052 |
| Cash dividends to net income (ytd only)* | 28.2459% | 2,923 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3643% | 2,127 |
| Loan loss allowance to noncurrent loans | 510.8725% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.2219% | 3,183 |
| Noncurrent loans to loans | 0.2671% | 3,237 |
| Net loans and leases to total assets | 61.9772% | 2,617 |
| Net loans and leases to deposits | 73.0952% | 2,580 |
| Net loans and leases to core deposits | 77.7167% | 2,579 |
| Total domestic deposits to total assets | 84.7897% | 2,847 |
| Equity capital to assets | 9.6997% | 3,408 |
| Core capital (leverage) ratio | 9.9791% | 2,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $428,139,000 | 1,772 |
| Average earning assets | $406,540,800 | 1,746 |
| Average equity | $40,952,600 | 1,992 |
| Average total loans | $268,602,400 | 1,834 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8418% | 3,434 |
| Cost of funding earning assets | 0.6146% | 2,519 |
| Net interest margin | 3.2271% | 3,401 |
| Noninterest income to average assets | 1.0435% | 957 |
| Noninterest expense to average assets | 2.3813% | 3,193 |
| Loan and lease loss provision to assets | 0.3159% | 1,258 |
| Net operating income to assets | 1.1495% | 1,822 |
| Return on assets (ROA) | 1.1495% | 1,938 |
| Pretax return on assets | 1.4110% | 1,694 |
| Return on Equity (ROE) | 12.0615% | 1,349 |
| Retained earnings to average equity (ytd only) | 8.4302% | 1,158 |
| Net charge-offs to loans | 0.0366% | 2,103 |
| Credit loss provision to net charge-offs | 1,376.7123% | 661 |
| Earnings coverage of net charge-offs (x) | 75.2603% | 954 |
| Efficiency ratio | 57.9648% | 3,669 |
| Assets per employee ($millions) | 5.8040% | 2,443 |
| Cash dividends to net income (ytd only)* | 30.1066% | 2,362 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3120% | 2,114 |
| Loan loss allowance to noncurrent loans | 351.9924% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.2639% | 3,123 |
| Noncurrent loans to loans | 0.3727% | 2,947 |
| Net loans and leases to total assets | 63.2659% | 2,853 |
| Net loans and leases to deposits | 74.5746% | 2,903 |
| Net loans and leases to core deposits | 79.6197% | 2,876 |
| Total domestic deposits to total assets | 84.8357% | 2,502 |
| Equity capital to assets | 9.5468% | 3,645 |
| Core capital (leverage) ratio | 9.8054% | 2,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $424,183,000 | 1,759 |
| Average earning assets | $402,825,750 | 1,733 |
| Average equity | $40,425,000 | 1,993 |
| Average total loans | $266,012,500 | 1,835 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9091% | 3,589 |
| Cost of funding earning assets | 0.6851% | 2,475 |
| Net interest margin | 3.2241% | 3,596 |
| Noninterest income to average assets | 0.9179% | 1,128 |
| Noninterest expense to average assets | 2.3448% | 3,414 |
| Loan and lease loss provision to assets | 0.3130% | 1,376 |
| Net operating income to assets | 1.0809% | 2,030 |
| Return on assets (ROA) | 1.0809% | 2,153 |
| Pretax return on assets | 1.3232% | 1,952 |
| Return on Equity (ROE) | 11.3489% | 1,529 |
| Retained earnings to average equity (ytd only) | 7.6663% | 1,411 |
| Net charge-offs to loans | -0.0108% | 4,222 |
| Credit loss provision to net charge-offs | -4,678.5714% | 4,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9005% | 3,569 |
| Assets per employee ($millions) | 5.8828% | 2,284 |
| Cash dividends to net income (ytd only)* | 32.4492% | 2,253 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2645% | 2,177 |
| Loan loss allowance to noncurrent loans | 195.6300% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.4315% | 2,582 |
| Noncurrent loans to loans | 0.6464% | 2,250 |
| Net loans and leases to total assets | 61.0014% | 3,213 |
| Net loans and leases to deposits | 71.7262% | 3,286 |
| Net loans and leases to core deposits | 76.4025% | 3,252 |
| Total domestic deposits to total assets | 85.0476% | 2,376 |
| Equity capital to assets | 9.3399% | 3,790 |
| Core capital (leverage) ratio | 9.4970% | 3,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $418,543,333 | 1,755 |
| Average earning assets | $397,634,333 | 1,720 |
| Average equity | $39,863,000 | 2,008 |
| Average total loans | $260,424,333 | 1,844 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1314% | 3,429 |
| Cost of funding earning assets | 0.7867% | 2,465 |
| Net interest margin | 3.3447% | 3,469 |
| Noninterest income to average assets | 0.8399% | 1,193 |
| Noninterest expense to average assets | 2.4056% | 3,530 |
| Loan and lease loss provision to assets | 0.3487% | 879 |
| Net operating income to assets | 1.0363% | 2,055 |
| Return on assets (ROA) | 1.0363% | 2,152 |
| Pretax return on assets | 1.2593% | 1,996 |
| Return on Equity (ROE) | 10.7681% | 1,485 |
| Retained earnings to average equity (ytd only) | 7.0222% | 1,525 |
| Net charge-offs to loans | -0.0173% | 4,283 |
| Credit loss provision to net charge-offs | -3,227.2727% | 3,805 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9364% | 3,746 |
| Assets per employee ($millions) | 5.5068% | 2,115 |
| Cash dividends to net income (ytd only)* | 34.7867% | 2,018 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2214% | 2,556 |
| Loan loss allowance to noncurrent loans | 208.7649% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.3990% | 2,853 |
| Noncurrent loans to loans | 0.5850% | 2,543 |
| Net loans and leases to total assets | 61.5658% | 3,341 |
| Net loans and leases to deposits | 72.8477% | 3,369 |
| Net loans and leases to core deposits | 81.7941% | 3,036 |
| Total domestic deposits to total assets | 84.5130% | 2,596 |
| Equity capital to assets | 9.7438% | 4,000 |
| Core capital (leverage) ratio | 9.5621% | 3,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $407,208,500 | 1,742 |
| Average earning assets | $386,406,000 | 1,719 |
| Average equity | $39,190,000 | 2,016 |
| Average total loans | $254,340,000 | 1,833 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1853% | 3,844 |
| Cost of funding earning assets | 0.8610% | 2,374 |
| Net interest margin | 3.3243% | 3,932 |
| Noninterest income to average assets | 0.7285% | 1,711 |
| Noninterest expense to average assets | 2.3732% | 3,758 |
| Loan and lease loss provision to assets | 0.1071% | 1,942 |
| Net operating income to assets | 1.1764% | 2,148 |
| Return on assets (ROA) | 1.1764% | 2,249 |
| Pretax return on assets | 1.4272% | 2,057 |
| Return on Equity (ROE) | 12.8688% | 1,210 |
| Retained earnings to average equity (ytd only) | 8.9959% | 710 |
| Net charge-offs to loans | 0.0611% | 2,229 |
| Credit loss provision to net charge-offs | 287.6712% | 976 |
| Earnings coverage of net charge-offs (x) | 41.1986% | 1,292 |
| Efficiency ratio | 60.7350% | 3,579 |
| Assets per employee ($millions) | 5.3521% | 2,193 |
| Cash dividends to net income (ytd only)* | 30.0954% | 3,073 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1060% | 2,915 |
| Loan loss allowance to noncurrent loans | 227.6003% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.3396% | 3,054 |
| Noncurrent loans to loans | 0.4859% | 2,731 |
| Net loans and leases to total assets | 61.9033% | 3,409 |
| Net loans and leases to deposits | 72.1294% | 3,514 |
| Net loans and leases to core deposits | 81.1840% | 3,201 |
| Total domestic deposits to total assets | 85.8225% | 2,131 |
| Equity capital to assets | 9.5009% | 4,354 |
| Core capital (leverage) ratio | 9.3392% | 4,237 |
| Tier 1 risk-based capital ratio | 14.1527% | 3,183 |
| Total risk-based capital ratio | 15.1907% | 3,204 |
| Memoranda: |
| Average total assets | $392,038,600 | 1,762 |
| Average earning assets | $374,908,200 | 1,730 |
| Average equity | $35,838,600 | 2,106 |
| Average total loans | $239,092,800 | 1,896 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1759% | 3,978 |
| Cost of funding earning assets | 0.8561% | 2,435 |
| Net interest margin | 3.3198% | 4,057 |
| Noninterest income to average assets | 0.7055% | 1,759 |
| Noninterest expense to average assets | 2.3601% | 3,796 |
| Loan and lease loss provision to assets | 0.1078% | 1,801 |
| Net operating income to assets | 1.1626% | 2,328 |
| Return on assets (ROA) | 1.1626% | 2,417 |
| Pretax return on assets | 1.4178% | 2,241 |
| Return on Equity (ROE) | 12.8475% | 1,341 |
| Retained earnings to average equity (ytd only) | 8.9797% | 1,052 |
| Net charge-offs to loans | 0.0119% | 2,937 |
| Credit loss provision to net charge-offs | 1,500.0000% | 246 |
| Earnings coverage of net charge-offs (x) | 212.3279% | 425 |
| Efficiency ratio | 60.7379% | 3,513 |
| Assets per employee ($millions) | 5.7952% | 1,771 |
| Cash dividends to net income (ytd only)* | 30.1061% | 2,602 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1518% | 2,767 |
| Loan loss allowance to noncurrent loans | 234.1423% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.3422% | 3,154 |
| Noncurrent loans to loans | 0.4919% | 2,820 |
| Net loans and leases to total assets | 59.1921% | 3,749 |
| Net loans and leases to deposits | 68.7558% | 3,861 |
| Net loans and leases to core deposits | 76.2668% | 3,677 |
| Total domestic deposits to total assets | 86.0904% | 1,953 |
| Equity capital to assets | 9.2220% | 4,652 |
| Core capital (leverage) ratio | 9.2213% | 4,460 |
| Tier 1 risk-based capital ratio | 14.3193% | 3,168 |
| Total risk-based capital ratio | 15.4009% | 3,158 |
| Memoranda: |
| Average total assets | $389,697,000 | 1,787 |
| Average earning assets | $373,309,750 | 1,743 |
| Average equity | $35,264,000 | 2,140 |
| Average total loans | $236,050,500 | 1,926 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1546% | 4,037 |
| Cost of funding earning assets | 0.8396% | 2,453 |
| Net interest margin | 3.3150% | 4,108 |
| Noninterest income to average assets | 0.6416% | 1,967 |
| Noninterest expense to average assets | 2.3451% | 3,881 |
| Loan and lease loss provision to assets | 0.1093% | 1,710 |
| Net operating income to assets | 1.1270% | 2,416 |
| Return on assets (ROA) | 1.1270% | 2,492 |
| Pretax return on assets | 1.3716% | 2,301 |
| Return on Equity (ROE) | 12.5388% | 1,391 |
| Retained earnings to average equity (ytd only) | 8.6371% | 1,152 |
| Net charge-offs to loans | 0.0308% | 2,239 |
| Credit loss provision to net charge-offs | 583.3333% | 541 |
| Earnings coverage of net charge-offs (x) | 79.0556% | 824 |
| Efficiency ratio | 61.2947% | 3,543 |
| Assets per employee ($millions) | 5.0620% | 2,402 |
| Cash dividends to net income (ytd only)* | 31.1173% | 2,579 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1409% | 2,840 |
| Loan loss allowance to noncurrent loans | 215.9677% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.3643% | 3,077 |
| Noncurrent loans to loans | 0.5283% | 2,696 |
| Net loans and leases to total assets | 59.5359% | 3,779 |
| Net loans and leases to deposits | 69.9684% | 3,846 |
| Net loans and leases to core deposits | 79.1138% | 3,497 |
| Total domestic deposits to total assets | 85.0898% | 2,434 |
| Equity capital to assets | 9.3236% | 4,555 |
| Core capital (leverage) ratio | 9.4076% | 4,240 |
| Tier 1 risk-based capital ratio | 14.6723% | 2,983 |
| Total risk-based capital ratio | 15.7590% | 2,984 |
| Memoranda: |
| Average total assets | $384,375,330 | 1,807 |
| Average earning assets | $369,232,670 | 1,769 |
| Average equity | $34,548,670 | 2,167 |
| Average total loans | $233,761,330 | 1,952 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1654% | 3,963 |
| Cost of funding earning assets | 0.8119% | 2,470 |
| Net interest margin | 3.3535% | 4,026 |
| Noninterest income to average assets | 0.6424% | 1,847 |
| Noninterest expense to average assets | 2.3255% | 3,955 |
| Loan and lease loss provision to assets | 0.1100% | 1,620 |
| Net operating income to assets | 1.1727% | 2,165 |
| Return on assets (ROA) | 1.1727% | 2,217 |
| Pretax return on assets | 1.4274% | 1,993 |
| Return on Equity (ROE) | 13.3006% | 1,137 |
| Retained earnings to average equity (ytd only) | 9.2950% | 1,227 |
| Net charge-offs to loans | 0.0069% | 2,447 |
| Credit loss provision to net charge-offs | 2,625.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 366.7500% | 217 |
| Efficiency ratio | 60.2008% | 3,775 |
| Assets per employee ($millions) | 5.4477% | 2,035 |
| Cash dividends to net income (ytd only)* | 30.1162% | 2,231 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1216% | 3,009 |
| Loan loss allowance to noncurrent loans | 188.0866% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.3990% | 2,989 |
| Noncurrent loans to loans | 0.5963% | 2,550 |
| Net loans and leases to total assets | 58.5490% | 3,829 |
| Net loans and leases to deposits | 68.3585% | 3,899 |
| Net loans and leases to core deposits | 76.7769% | 3,610 |
| Total domestic deposits to total assets | 85.6499% | 2,422 |
| Equity capital to assets | 8.7970% | 4,824 |
| Core capital (leverage) ratio | 9.4342% | 4,223 |
| Tier 1 risk-based capital ratio | 14.6336% | 3,045 |
| Total risk-based capital ratio | 15.7090% | 3,046 |
| Memoranda: |
| Average total assets | $381,676,500 | 1,829 |
| Average earning assets | $366,546,500 | 1,789 |
| Average equity | $33,652,500 | 2,210 |
| Average total loans | $233,275,500 | 1,968 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0949% | 3,758 |
| Cost of funding earning assets | 0.6247% | 2,554 |
| Net interest margin | 3.4702% | 3,800 |
| Noninterest income to average assets | 0.9830% | 977 |
| Noninterest expense to average assets | 2.6023% | 3,328 |
| Loan and lease loss provision to assets | 0.1441% | 1,491 |
| Net operating income to assets | 1.3271% | 1,693 |
| Return on assets (ROA) | 1.3271% | 1,684 |
| Pretax return on assets | 1.5414% | 1,651 |
| Return on Equity (ROE) | 15.6539% | 695 |
| Retained earnings to average equity (ytd only) | 11.6563% | 351 |
| Net charge-offs to loans | 0.1305% | 1,447 |
| Credit loss provision to net charge-offs | 179.1809% | 1,580 |
| Earnings coverage of net charge-offs (x) | 20.9625% | 1,973 |
| Efficiency ratio | 60.6912% | 3,749 |
| Assets per employee ($millions) | 4.9483% | 2,563 |
| Cash dividends to net income (ytd only)* | 25.5376% | 3,250 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0687% | 3,278 |
| Loan loss allowance to noncurrent loans | 182.5073% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.4317% | 2,838 |
| Noncurrent loans to loans | 0.5856% | 2,536 |
| Net loans and leases to total assets | 62.4579% | 3,522 |
| Net loans and leases to deposits | 72.9877% | 3,588 |
| Net loans and leases to core deposits | 82.2839% | 3,236 |
| Total domestic deposits to total assets | 85.5731% | 2,404 |
| Equity capital to assets | 8.8381% | 4,701 |
| Core capital (leverage) ratio | 9.2583% | 4,391 |
| Tier 1 risk-based capital ratio | 13.5149% | 3,540 |
| Total risk-based capital ratio | 14.4910% | 3,586 |
| Memoranda: |
| Average total assets | $364,407,000 | 1,860 |
| Average earning assets | $347,042,400 | 1,827 |
| Average equity | $30,893,200 | 2,291 |
| Average total loans | $224,444,200 | 1,996 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0559% | 3,771 |
| Cost of funding earning assets | 0.5896% | 2,549 |
| Net interest margin | 3.4662% | 3,816 |
| Noninterest income to average assets | 1.0638% | 838 |
| Noninterest expense to average assets | 2.5965% | 3,289 |
| Loan and lease loss provision to assets | 0.1544% | 1,265 |
| Net operating income to assets | 1.3964% | 1,506 |
| Return on assets (ROA) | 1.3964% | 1,503 |
| Pretax return on assets | 1.6059% | 1,562 |
| Return on Equity (ROE) | 16.6528% | 593 |
| Retained earnings to average equity (ytd only) | 12.6375% | 401 |
| Net charge-offs to loans | 0.0745% | 1,785 |
| Credit loss provision to net charge-offs | 338.7097% | 928 |
| Earnings coverage of net charge-offs (x) | 38.6208% | 1,386 |
| Efficiency ratio | 59.5967% | 3,866 |
| Assets per employee ($millions) | 5.2408% | 2,180 |
| Cash dividends to net income (ytd only)* | 24.1115% | 2,833 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1299% | 3,024 |
| Loan loss allowance to noncurrent loans | 160.6629% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 0.4924% | 2,730 |
| Noncurrent loans to loans | 0.7033% | 2,314 |
| Net loans and leases to total assets | 59.5760% | 3,894 |
| Net loans and leases to deposits | 69.8871% | 3,925 |
| Net loans and leases to core deposits | 78.9386% | 3,572 |
| Total domestic deposits to total assets | 85.2461% | 2,511 |
| Equity capital to assets | 8.2014% | 5,086 |
| Core capital (leverage) ratio | 9.0738% | 4,636 |
| Tier 1 risk-based capital ratio | 14.3829% | 3,181 |
| Total risk-based capital ratio | 15.4712% | 3,174 |
| Memoranda: |
| Average total assets | $362,729,000 | 1,872 |
| Average earning assets | $344,611,500 | 1,836 |
| Average equity | $30,416,500 | 2,318 |
| Average total loans | $221,981,000 | 2,016 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0176% | 3,730 |
| Cost of funding earning assets | 0.5578% | 2,539 |
| Net interest margin | 3.4598% | 3,768 |
| Noninterest income to average assets | 1.2770% | 595 |
| Noninterest expense to average assets | 2.6675% | 3,113 |
| Loan and lease loss provision to assets | 0.1649% | 1,119 |
| Net operating income to assets | 1.5291% | 1,080 |
| Return on assets (ROA) | 1.5291% | 1,080 |
| Pretax return on assets | 1.7202% | 1,167 |
| Return on Equity (ROE) | 18.0954% | 409 |
| Retained earnings to average equity (ytd only) | 14.0875% | 275 |
| Net charge-offs to loans | 0.0672% | 1,666 |
| Credit loss provision to net charge-offs | 398.6486% | 826 |
| Earnings coverage of net charge-offs (x) | 45.5811% | 1,200 |
| Efficiency ratio | 58.5932% | 4,140 |
| Assets per employee ($millions) | 4.7323% | 2,778 |
| Cash dividends to net income (ytd only)* | 22.1491% | 2,925 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1106% | 3,201 |
| Loan loss allowance to noncurrent loans | 141.4869% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 0.6570% | 2,265 |
| Noncurrent loans to loans | 0.7849% | 2,161 |
| Net loans and leases to total assets | 60.1387% | 3,792 |
| Net loans and leases to deposits | 70.7348% | 3,798 |
| Net loans and leases to core deposits | 79.3728% | 3,468 |
| Total domestic deposits to total assets | 85.0199% | 2,664 |
| Equity capital to assets | 8.3456% | 5,050 |
| Core capital (leverage) ratio | 9.1226% | 4,553 |
| Tier 1 risk-based capital ratio | 14.1263% | 3,301 |
| Total risk-based capital ratio | 15.1872% | 3,312 |
| Memoranda: |
| Average total assets | $357,859,330 | 1,900 |
| Average earning assets | $338,809,000 | 1,874 |
| Average equity | $30,239,670 | 2,338 |
| Average total loans | $220,184,000 | 2,031 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9647% | 3,738 |
| Cost of funding earning assets | 0.5464% | 2,434 |
| Net interest margin | 3.4183% | 3,825 |
| Noninterest income to average assets | 1.8613% | 297 |
| Noninterest expense to average assets | 2.8004% | 2,689 |
| Loan and lease loss provision to assets | 0.2328% | 665 |
| Net operating income to assets | 1.9147% | 437 |
| Return on assets (ROA) | 1.9147% | 437 |
| Pretax return on assets | 2.0464% | 523 |
| Return on Equity (ROE) | 22.5123% | 149 |
| Retained earnings to average equity (ytd only) | 18.5466% | 135 |
| Net charge-offs to loans | -0.0275% | 4,701 |
| Credit loss provision to net charge-offs | -1,366.6667% | 4,220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1308% | 4,683 |
| Assets per employee ($millions) | 4.6931% | 2,864 |
| Cash dividends to net income (ytd only)* | 17.6157% | 2,449 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1387% | 3,156 |
| Loan loss allowance to noncurrent loans | 145.0524% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.6625% | 2,339 |
| Noncurrent loans to loans | 0.7850% | 2,247 |
| Net loans and leases to total assets | 60.6581% | 3,685 |
| Net loans and leases to deposits | 71.6548% | 3,648 |
| Net loans and leases to core deposits | 78.1830% | 3,477 |
| Total domestic deposits to total assets | 84.6532% | 3,046 |
| Equity capital to assets | 8.4814% | 4,988 |
| Core capital (leverage) ratio | 9.3723% | 4,220 |
| Tier 1 risk-based capital ratio | 13.9099% | 3,423 |
| Total risk-based capital ratio | 14.9779% | 3,435 |
| Memoranda: |
| Average total assets | $352,230,500 | 1,944 |
| Average earning assets | $331,628,500 | 1,917 |
| Average equity | $29,957,000 | 2,371 |
| Average total loans | $218,038,500 | 2,056 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9840% | 3,457 |
| Cost of funding earning assets | 0.4633% | 2,659 |
| Net interest margin | 3.5207% | 3,463 |
| Noninterest income to average assets | 0.8369% | 1,445 |
| Noninterest expense to average assets | 2.7117% | 3,090 |
| Loan and lease loss provision to assets | 0.0767% | 2,667 |
| Net operating income to assets | 0.8918% | 2,760 |
| Return on assets (ROA) | 0.8918% | 2,788 |
| Pretax return on assets | 1.3722% | 2,082 |
| Return on Equity (ROE) | 10.4285% | 1,706 |
| Retained earnings to average equity (ytd only) | 6.5670% | 1,249 |
| Net charge-offs to loans | 0.0601% | 2,610 |
| Credit loss provision to net charge-offs | 204.7244% | 1,335 |
| Earnings coverage of net charge-offs (x) | 38.6614% | 1,295 |
| Efficiency ratio | 65.1748% | 3,409 |
| Assets per employee ($millions) | 4.4024% | 3,344 |
| Cash dividends to net income (ytd only)* | 37.0285% | 2,989 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0459% | 3,653 |
| Loan loss allowance to noncurrent loans | 124.2209% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 0.7114% | 2,192 |
| Noncurrent loans to loans | 0.8419% | 2,114 |
| Net loans and leases to total assets | 61.8083% | 3,648 |
| Net loans and leases to deposits | 73.3301% | 3,568 |
| Net loans and leases to core deposits | 78.6850% | 3,533 |
| Total domestic deposits to total assets | 84.2878% | 3,098 |
| Equity capital to assets | 8.5290% | 5,104 |
| Core capital (leverage) ratio | 9.1133% | 4,507 |
| Tier 1 risk-based capital ratio | 13.6885% | 3,528 |
| Total risk-based capital ratio | 14.6897% | 3,572 |
| Memoranda: |
| Average total assets | $338,871,000 | 1,966 |
| Average earning assets | $319,904,800 | 1,937 |
| Average equity | $28,978,400 | 2,429 |
| Average total loans | $211,305,400 | 2,063 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9450% | 3,537 |
| Cost of funding earning assets | 0.4503% | 2,712 |
| Net interest margin | 3.4947% | 3,519 |
| Noninterest income to average assets | 0.7390% | 1,836 |
| Noninterest expense to average assets | 2.6576% | 3,218 |
| Loan and lease loss provision to assets | 0.0792% | 2,501 |
| Net operating income to assets | 0.9537% | 2,759 |
| Return on assets (ROA) | 0.9537% | 2,821 |
| Pretax return on assets | 1.3034% | 2,473 |
| Return on Equity (ROE) | 11.1451% | 1,631 |
| Retained earnings to average equity (ytd only) | 7.2711% | 1,553 |
| Net charge-offs to loans | 0.0680% | 2,147 |
| Credit loss provision to net charge-offs | 186.9159% | 1,420 |
| Earnings coverage of net charge-offs (x) | 32.6269% | 1,476 |
| Efficiency ratio | 65.7779% | 3,254 |
| Assets per employee ($millions) | 4.4115% | 3,293 |
| Cash dividends to net income (ytd only)* | 34.7590% | 2,533 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0447% | 3,821 |
| Loan loss allowance to noncurrent loans | 143.6937% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 0.6362% | 2,601 |
| Noncurrent loans to loans | 0.7270% | 2,538 |
| Net loans and leases to total assets | 61.4707% | 3,719 |
| Net loans and leases to deposits | 73.0768% | 3,657 |
| Net loans and leases to core deposits | 78.2631% | 3,606 |
| Total domestic deposits to total assets | 84.1179% | 3,075 |
| Equity capital to assets | 8.6734% | 5,170 |
| Core capital (leverage) ratio | 8.8957% | 4,871 |
| Tier 1 risk-based capital ratio | 13.7558% | 3,547 |
| Total risk-based capital ratio | 14.7628% | 3,606 |
| Memoranda: |
| Average total assets | $336,641,750 | 1,987 |
| Average earning assets | $318,001,750 | 1,960 |
| Average equity | $28,807,250 | 2,457 |
| Average total loans | $209,823,250 | 2,086 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9154% | 3,503 |
| Cost of funding earning assets | 0.4368% | 2,735 |
| Net interest margin | 3.4786% | 3,476 |
| Noninterest income to average assets | 0.7326% | 1,850 |
| Noninterest expense to average assets | 2.6616% | 3,230 |
| Loan and lease loss provision to assets | 0.0838% | 2,311 |
| Net operating income to assets | 0.9379% | 2,732 |
| Return on assets (ROA) | 0.9379% | 2,789 |
| Pretax return on assets | 1.2761% | 2,477 |
| Return on Equity (ROE) | 11.0114% | 1,645 |
| Retained earnings to average equity (ytd only) | 7.1184% | 1,535 |
| Net charge-offs to loans | 0.0796% | 1,825 |
| Credit loss provision to net charge-offs | 168.6747% | 1,413 |
| Earnings coverage of net charge-offs (x) | 27.3735% | 1,542 |
| Efficiency ratio | 66.1854% | 3,321 |
| Assets per employee ($millions) | 4.3093% | 3,416 |
| Cash dividends to net income (ytd only)* | 35.3542% | 2,564 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0389% | 3,906 |
| Loan loss allowance to noncurrent loans | 131.9712% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 0.7098% | 2,437 |
| Noncurrent loans to loans | 0.7872% | 2,438 |
| Net loans and leases to total assets | 60.6778% | 3,768 |
| Net loans and leases to deposits | 72.3643% | 3,704 |
| Net loans and leases to core deposits | 77.0130% | 3,681 |
| Total domestic deposits to total assets | 83.8505% | 3,259 |
| Equity capital to assets | 8.4935% | 5,307 |
| Core capital (leverage) ratio | 8.9106% | 4,830 |
| Tier 1 risk-based capital ratio | 13.6392% | 3,619 |
| Total risk-based capital ratio | 14.6394% | 3,670 |
| Memoranda: |
| Average total assets | $334,156,000 | 2,007 |
| Average earning assets | $315,935,000 | 1,977 |
| Average equity | $28,461,330 | 2,470 |
| Average total loans | $208,513,330 | 2,096 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9356% | 3,260 |
| Cost of funding earning assets | 0.4323% | 2,695 |
| Net interest margin | 3.5033% | 3,262 |
| Noninterest income to average assets | 0.6532% | 2,165 |
| Noninterest expense to average assets | 2.6978% | 3,147 |
| Loan and lease loss provision to assets | 0.0973% | 1,937 |
| Net operating income to assets | 0.8843% | 2,837 |
| Return on assets (ROA) | 0.8843% | 2,888 |
| Pretax return on assets | 1.1701% | 2,708 |
| Return on Equity (ROE) | 10.3666% | 1,793 |
| Retained earnings to average equity (ytd only) | 6.4310% | 2,120 |
| Net charge-offs to loans | 0.1758% | 947 |
| Credit loss provision to net charge-offs | 87.9121% | 1,707 |
| Earnings coverage of net charge-offs (x) | 11.4505% | 1,892 |
| Efficiency ratio | 68.0368% | 3,189 |
| Assets per employee ($millions) | 4.3587% | 3,404 |
| Cash dividends to net income (ytd only)* | 37.9642% | 2,079 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0324% | 4,081 |
| Loan loss allowance to noncurrent loans | 136.1484% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 0.6865% | 2,570 |
| Noncurrent loans to loans | 0.7583% | 2,585 |
| Net loans and leases to total assets | 60.7833% | 3,700 |
| Net loans and leases to deposits | 72.6924% | 3,544 |
| Net loans and leases to core deposits | 77.5224% | 3,513 |
| Total domestic deposits to total assets | 83.6172% | 3,616 |
| Equity capital to assets | 8.4497% | 5,274 |
| Core capital (leverage) ratio | 9.0616% | 4,664 |
| Tier 1 risk-based capital ratio | 13.7328% | 3,644 |
| Total risk-based capital ratio | 14.7274% | 3,703 |
| Memoranda: |
| Average total assets | $328,860,500 | 2,051 |
| Average earning assets | $310,909,000 | 2,023 |
| Average equity | $28,051,500 | 2,511 |
| Average total loans | $207,079,500 | 2,120 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0487% | 3,028 |
| Cost of funding earning assets | 0.4165% | 2,846 |
| Net interest margin | 3.6322% | 2,952 |
| Noninterest income to average assets | 0.7268% | 2,046 |
| Noninterest expense to average assets | 2.7638% | 3,143 |
| Loan and lease loss provision to assets | 0.0519% | 3,347 |
| Net operating income to assets | 0.9729% | 2,477 |
| Return on assets (ROA) | 0.9793% | 2,549 |
| Pretax return on assets | 1.3542% | 2,085 |
| Return on Equity (ROE) | 11.1183% | 1,541 |
| Retained earnings to average equity (ytd only) | 7.4265% | 1,067 |
| Net charge-offs to loans | 0.1042% | 2,225 |
| Credit loss provision to net charge-offs | 78.5714% | 2,992 |
| Earnings coverage of net charge-offs (x) | 21.1381% | 1,813 |
| Efficiency ratio | 66.4195% | 3,526 |
| Assets per employee ($millions) | 4.0263% | 3,919 |
| Cash dividends to net income (ytd only)* | 33.2048% | 3,191 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0282% | 4,147 |
| Loan loss allowance to noncurrent loans | 182.1976% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.5734% | 3,011 |
| Noncurrent loans to loans | 0.5643% | 3,146 |
| Net loans and leases to total assets | 63.9213% | 3,367 |
| Net loans and leases to deposits | 75.5344% | 3,366 |
| Net loans and leases to core deposits | 80.6391% | 3,339 |
| Total domestic deposits to total assets | 84.6253% | 3,201 |
| Equity capital to assets | 8.6134% | 5,181 |
| Core capital (leverage) ratio | 8.9459% | 4,799 |
| Tier 1 risk-based capital ratio | 13.3781% | 3,843 |
| Total risk-based capital ratio | 14.3672% | 3,913 |
| Memoranda: |
| Average total assets | $317,678,000 | 2,072 |
| Average earning assets | $300,370,000 | 2,040 |
| Average equity | $27,981,000 | 2,511 |
| Average total loans | $201,492,200 | 2,115 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0313% | 3,102 |
| Cost of funding earning assets | 0.4122% | 2,909 |
| Net interest margin | 3.6191% | 3,009 |
| Noninterest income to average assets | 0.6924% | 2,202 |
| Noninterest expense to average assets | 2.7667% | 3,120 |
| Loan and lease loss provision to assets | 0.0505% | 3,236 |
| Net operating income to assets | 0.9437% | 2,684 |
| Return on assets (ROA) | 0.9523% | 2,784 |
| Pretax return on assets | 1.3111% | 2,385 |
| Return on Equity (ROE) | 10.7509% | 1,763 |
| Retained earnings to average equity (ytd only) | 7.0896% | 1,578 |
| Net charge-offs to loans | 0.1221% | 1,736 |
| Credit loss provision to net charge-offs | 65.5738% | 2,850 |
| Earnings coverage of net charge-offs (x) | 17.5140% | 2,045 |
| Efficiency ratio | 67.2089% | 3,379 |
| Assets per employee ($millions) | 4.3750% | 3,294 |
| Cash dividends to net income (ytd only)* | 34.0557% | 2,643 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0352% | 4,210 |
| Loan loss allowance to noncurrent loans | 248.0702% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.5242% | 3,360 |
| Noncurrent loans to loans | 0.4173% | 3,784 |
| Net loans and leases to total assets | 61.7977% | 3,656 |
| Net loans and leases to deposits | 72.6189% | 3,740 |
| Net loans and leases to core deposits | 77.3270% | 3,719 |
| Total domestic deposits to total assets | 85.0986% | 2,762 |
| Equity capital to assets | 8.8220% | 5,304 |
| Core capital (leverage) ratio | 8.6913% | 5,157 |
| Tier 1 risk-based capital ratio | 13.2061% | 4,031 |
| Total risk-based capital ratio | 14.1941% | 4,105 |
| Memoranda: |
| Average total assets | $316,572,250 | 2,081 |
| Average earning assets | $299,516,250 | 2,047 |
| Average equity | $28,040,250 | 2,530 |
| Average total loans | $199,857,750 | 2,127 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0301% | 3,135 |
| Cost of funding earning assets | 0.4045% | 2,984 |
| Net interest margin | 3.6256% | 2,990 |
| Noninterest income to average assets | 0.6216% | 2,502 |
| Noninterest expense to average assets | 2.7347% | 3,255 |
| Loan and lease loss provision to assets | 0.0576% | 2,988 |
| Net operating income to assets | 0.9113% | 2,807 |
| Return on assets (ROA) | 0.9241% | 2,884 |
| Pretax return on assets | 1.2753% | 2,501 |
| Return on Equity (ROE) | 10.4189% | 1,878 |
| Retained earnings to average equity (ytd only) | 6.7705% | 1,729 |
| Net charge-offs to loans | 0.1907% | 1,201 |
| Credit loss provision to net charge-offs | 47.6190% | 2,695 |
| Earnings coverage of net charge-offs (x) | 10.8783% | 2,298 |
| Efficiency ratio | 67.5300% | 3,441 |
| Assets per employee ($millions) | 4.0002% | 3,900 |
| Cash dividends to net income (ytd only)* | 35.0173% | 2,640 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0410% | 4,276 |
| Loan loss allowance to noncurrent loans | 370.3375% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.4728% | 3,637 |
| Noncurrent loans to loans | 0.2811% | 4,365 |
| Net loans and leases to total assets | 61.9325% | 3,635 |
| Net loans and leases to deposits | 72.9729% | 3,704 |
| Net loans and leases to core deposits | 75.7980% | 3,836 |
| Total domestic deposits to total assets | 84.8705% | 2,933 |
| Equity capital to assets | 8.9579% | 5,273 |
| Core capital (leverage) ratio | 8.8211% | 5,030 |
| Tier 1 risk-based capital ratio | 13.3148% | 4,007 |
| Total risk-based capital ratio | 14.3136% | 4,085 |
| Memoranda: |
| Average total assets | $312,721,670 | 2,109 |
| Average earning assets | $295,673,330 | 2,080 |
| Average equity | $27,738,000 | 2,551 |
| Average total loans | $198,179,000 | 2,143 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0893% | 2,883 |
| Cost of funding earning assets | 0.4067% | 2,998 |
| Net interest margin | 3.6826% | 2,746 |
| Noninterest income to average assets | 0.5591% | 2,749 |
| Noninterest expense to average assets | 2.7049% | 3,396 |
| Loan and lease loss provision to assets | 0.0388% | 3,129 |
| Net operating income to assets | 0.9355% | 2,581 |
| Return on assets (ROA) | 0.9616% | 2,570 |
| Pretax return on assets | 1.3317% | 2,175 |
| Return on Equity (ROE) | 10.8970% | 1,632 |
| Retained earnings to average equity (ytd only) | 7.1865% | 1,796 |
| Net charge-offs to loans | 0.4160% | 541 |
| Credit loss provision to net charge-offs | 14.6341% | 2,332 |
| Earnings coverage of net charge-offs (x) | 5.0293% | 2,370 |
| Efficiency ratio | 66.9657% | 3,639 |
| Assets per employee ($millions) | 4.2672% | 3,459 |
| Cash dividends to net income (ytd only)* | 34.0511% | 2,265 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0083% | 4,556 |
| Loan loss allowance to noncurrent loans | 309.0769% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.5409% | 3,447 |
| Noncurrent loans to loans | 0.3262% | 4,267 |
| Net loans and leases to total assets | 63.3205% | 3,343 |
| Net loans and leases to deposits | 74.7946% | 3,341 |
| Net loans and leases to core deposits | 77.6327% | 3,528 |
| Total domestic deposits to total assets | 84.6593% | 3,254 |
| Equity capital to assets | 8.9370% | 5,234 |
| Core capital (leverage) ratio | 8.8506% | 5,028 |
| Tier 1 risk-based capital ratio | 13.2974% | 4,096 |
| Total risk-based capital ratio | 14.2743% | 4,167 |
| Memoranda: |
| Average total assets | $309,073,500 | 2,136 |
| Average earning assets | $292,079,500 | 2,111 |
| Average equity | $27,273,500 | 2,580 |
| Average total loans | $197,128,500 | 2,150 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0168% | 3,252 |
| Cost of funding earning assets | 0.3853% | 3,313 |
| Net interest margin | 3.6315% | 3,010 |
| Noninterest income to average assets | 0.6941% | 2,230 |
| Noninterest expense to average assets | 2.7650% | 3,370 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9922% | 2,409 |
| Return on assets (ROA) | 1.0024% | 2,447 |
| Pretax return on assets | 1.3732% | 2,011 |
| Return on Equity (ROE) | 11.7172% | 1,379 |
| Retained earnings to average equity (ytd only) | 8.2295% | 843 |
| Net charge-offs to loans | 0.0234% | 3,792 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 93.2955% | 615 |
| Efficiency ratio | 67.0413% | 3,739 |
| Assets per employee ($millions) | 4.0886% | 3,778 |
| Cash dividends to net income (ytd only)* | 29.7654% | 3,350 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1200% | 3,926 |
| Loan loss allowance to noncurrent loans | 163.1068% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 0.5981% | 3,288 |
| Noncurrent loans to loans | 0.6867% | 3,132 |
| Net loans and leases to total assets | 62.8803% | 3,433 |
| Net loans and leases to deposits | 74.1782% | 3,471 |
| Net loans and leases to core deposits | 77.0326% | 3,666 |
| Total domestic deposits to total assets | 84.7693% | 3,188 |
| Equity capital to assets | 8.7098% | 5,382 |
| Core capital (leverage) ratio | 8.9355% | 4,962 |
| Tier 1 risk-based capital ratio | 13.3117% | 4,096 |
| Total risk-based capital ratio | 14.3942% | 4,129 |
| Memoranda: |
| Average total assets | $301,986,800 | 2,137 |
| Average earning assets | $285,252,000 | 2,103 |
| Average equity | $25,833,800 | 2,631 |
| Average total loans | $188,281,000 | 2,172 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0273% | 3,228 |
| Cost of funding earning assets | 0.3834% | 3,395 |
| Net interest margin | 3.6439% | 2,983 |
| Noninterest income to average assets | 0.7012% | 2,222 |
| Noninterest expense to average assets | 2.7573% | 3,353 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0102% | 2,425 |
| Return on assets (ROA) | 1.0225% | 2,458 |
| Pretax return on assets | 1.4023% | 1,998 |
| Return on Equity (ROE) | 12.0082% | 1,372 |
| Retained earnings to average equity (ytd only) | 8.5780% | 1,037 |
| Net charge-offs to loans | 0.0207% | 3,524 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 107.7812% | 583 |
| Efficiency ratio | 66.5561% | 3,793 |
| Assets per employee ($millions) | 4.0127% | 3,854 |
| Cash dividends to net income (ytd only)* | 28.5651% | 2,876 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1379% | 4,011 |
| Loan loss allowance to noncurrent loans | 230.9874% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.4890% | 3,857 |
| Noncurrent loans to loans | 0.4926% | 3,869 |
| Net loans and leases to total assets | 64.3428% | 3,247 |
| Net loans and leases to deposits | 75.4116% | 3,382 |
| Net loans and leases to core deposits | 77.8352% | 3,624 |
| Total domestic deposits to total assets | 85.3222% | 2,871 |
| Equity capital to assets | 8.9736% | 5,328 |
| Core capital (leverage) ratio | 8.8241% | 5,212 |
| Tier 1 risk-based capital ratio | 13.1764% | 4,337 |
| Total risk-based capital ratio | 14.2749% | 4,338 |
| Memoranda: |
| Average total assets | $300,822,750 | 2,159 |
| Average earning assets | $284,121,750 | 2,123 |
| Average equity | $25,615,250 | 2,665 |
| Average total loans | $186,600,750 | 2,200 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9533% | 3,473 |
| Cost of funding earning assets | 0.3784% | 3,513 |
| Net interest margin | 3.5749% | 3,190 |
| Noninterest income to average assets | 0.6686% | 2,366 |
| Noninterest expense to average assets | 2.7294% | 3,494 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9704% | 2,535 |
| Return on assets (ROA) | 0.9890% | 2,557 |
| Pretax return on assets | 1.3412% | 2,202 |
| Return on Equity (ROE) | 11.8235% | 1,425 |
| Retained earnings to average equity (ytd only) | 8.5076% | 1,072 |
| Net charge-offs to loans | 0.0184% | 3,327 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 116.9412% | 537 |
| Efficiency ratio | 67.4685% | 3,750 |
| Assets per employee ($millions) | 3.9321% | 4,011 |
| Cash dividends to net income (ytd only)* | 28.0455% | 2,886 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1893% | 3,851 |
| Loan loss allowance to noncurrent loans | 216.7647% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.5086% | 3,917 |
| Noncurrent loans to loans | 0.5487% | 3,806 |
| Net loans and leases to total assets | 61.4681% | 3,630 |
| Net loans and leases to deposits | 71.6515% | 3,750 |
| Net loans and leases to core deposits | 73.9398% | 3,963 |
| Total domestic deposits to total assets | 85.7876% | 2,801 |
| Equity capital to assets | 8.5842% | 5,609 |
| Core capital (leverage) ratio | 8.4938% | 5,536 |
| Tier 1 risk-based capital ratio | 13.2481% | 4,375 |
| Total risk-based capital ratio | 14.3833% | 4,352 |
| Memoranda: |
| Average total assets | $302,117,330 | 2,172 |
| Average earning assets | $285,381,000 | 2,126 |
| Average equity | $25,271,670 | 2,700 |
| Average total loans | $184,381,670 | 2,229 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9427% | 3,447 |
| Cost of funding earning assets | 0.3806% | 3,521 |
| Net interest margin | 3.5621% | 3,165 |
| Noninterest income to average assets | 0.6136% | 2,584 |
| Noninterest expense to average assets | 2.7140% | 3,536 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9149% | 2,677 |
| Return on assets (ROA) | 0.9481% | 2,656 |
| Pretax return on assets | 1.3103% | 2,241 |
| Return on Equity (ROE) | 11.4828% | 1,487 |
| Retained earnings to average equity (ytd only) | 8.1496% | 1,512 |
| Net charge-offs to loans | -0.1111% | 5,891 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2224% | 3,789 |
| Assets per employee ($millions) | 4.1669% | 3,621 |
| Cash dividends to net income (ytd only)* | 29.0278% | 2,370 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2429% | 3,724 |
| Loan loss allowance to noncurrent loans | 218.0861% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.5011% | 4,018 |
| Noncurrent loans to loans | 0.5699% | 3,877 |
| Net loans and leases to total assets | 58.7269% | 3,842 |
| Net loans and leases to deposits | 68.1029% | 3,944 |
| Net loans and leases to core deposits | 70.1505% | 4,135 |
| Total domestic deposits to total assets | 86.2326% | 2,814 |
| Equity capital to assets | 8.2721% | 5,888 |
| Core capital (leverage) ratio | 8.3887% | 5,646 |
| Tier 1 risk-based capital ratio | 13.0522% | 4,574 |
| Total risk-based capital ratio | 14.2307% | 4,532 |
| Memoranda: |
| Average total assets | $303,757,000 | 2,178 |
| Average earning assets | $286,911,500 | 2,130 |
| Average equity | $25,081,000 | 2,741 |
| Average total loans | $183,622,000 | 2,248 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1512% | 3,116 |
| Cost of funding earning assets | 0.4212% | 3,468 |
| Net interest margin | 3.7300% | 2,878 |
| Noninterest income to average assets | 0.7864% | 1,925 |
| Noninterest expense to average assets | 3.0378% | 2,730 |
| Loan and lease loss provision to assets | -0.1384% | 6,212 |
| Net operating income to assets | 1.0189% | 2,301 |
| Return on assets (ROA) | 1.0189% | 2,376 |
| Pretax return on assets | 1.3844% | 1,936 |
| Return on Equity (ROE) | 12.6449% | 1,225 |
| Retained earnings to average equity (ytd only) | 9.0885% | 687 |
| Net charge-offs to loans | 0.0643% | 3,568 |
| Credit loss provision to net charge-offs | -347.8261% | 5,720 |
| Earnings coverage of net charge-offs (x) | 31.3043% | 1,295 |
| Efficiency ratio | 70.9138% | 3,386 |
| Assets per employee ($millions) | 3.9888% | 3,979 |
| Cash dividends to net income (ytd only)* | 28.1250% | 3,466 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2117% | 3,925 |
| Loan loss allowance to noncurrent loans | 193.2350% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.5525% | 3,955 |
| Noncurrent loans to loans | 0.6270% | 3,810 |
| Net loans and leases to total assets | 60.7201% | 3,689 |
| Net loans and leases to deposits | 70.5297% | 3,839 |
| Net loans and leases to core deposits | 72.7117% | 4,056 |
| Total domestic deposits to total assets | 86.0915% | 2,787 |
| Equity capital to assets | 8.2413% | 5,938 |
| Core capital (leverage) ratio | 8.2531% | 5,818 |
| Tier 1 risk-based capital ratio | 12.3570% | 5,123 |
| Total risk-based capital ratio | 13.4703% | 5,126 |
| Memoranda: |
| Average total assets | $288,928,000 | 2,222 |
| Average earning assets | $270,909,600 | 2,188 |
| Average equity | $23,282,200 | 2,818 |
| Average total loans | $178,863,400 | 2,242 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1867% | 3,039 |
| Cost of funding earning assets | 0.4260% | 3,511 |
| Net interest margin | 3.7607% | 2,772 |
| Noninterest income to average assets | 0.8148% | 1,836 |
| Noninterest expense to average assets | 3.0999% | 2,469 |
| Loan and lease loss provision to assets | -0.1862% | 6,377 |
| Net operating income to assets | 1.0108% | 2,407 |
| Return on assets (ROA) | 1.0108% | 2,464 |
| Pretax return on assets | 1.4233% | 1,914 |
| Return on Equity (ROE) | 12.6186% | 1,316 |
| Retained earnings to average equity (ytd only) | 9.2533% | 911 |
| Net charge-offs to loans | -0.0338% | 5,783 |
| Credit loss provision to net charge-offs | 888.8889% | 367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4761% | 3,273 |
| Assets per employee ($millions) | 3.7985% | 4,295 |
| Cash dividends to net income (ytd only)* | 26.6698% | 2,948 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3318% | 3,491 |
| Loan loss allowance to noncurrent loans | 122.0859% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 0.8101% | 3,398 |
| Noncurrent loans to loans | 1.0908% | 2,889 |
| Net loans and leases to total assets | 58.9587% | 3,940 |
| Net loans and leases to deposits | 68.4082% | 4,091 |
| Net loans and leases to core deposits | 70.3615% | 4,290 |
| Total domestic deposits to total assets | 86.1867% | 2,765 |
| Equity capital to assets | 7.9509% | 6,159 |
| Core capital (leverage) ratio | 8.1165% | 5,999 |
| Tier 1 risk-based capital ratio | 12.2834% | 5,312 |
| Total risk-based capital ratio | 13.4953% | 5,254 |
| Memoranda: |
| Average total assets | $286,369,250 | 2,246 |
| Average earning assets | $268,207,250 | 2,221 |
| Average equity | $22,939,000 | 2,862 |
| Average total loans | $177,609,250 | 2,261 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2405% | 2,805 |
| Cost of funding earning assets | 0.4313% | 3,535 |
| Net interest margin | 3.8091% | 2,540 |
| Noninterest income to average assets | 0.8013% | 1,835 |
| Noninterest expense to average assets | 3.1505% | 2,328 |
| Loan and lease loss provision to assets | -0.2839% | 6,522 |
| Net operating income to assets | 1.0618% | 2,068 |
| Return on assets (ROA) | 1.0618% | 2,149 |
| Pretax return on assets | 1.4947% | 1,549 |
| Return on Equity (ROE) | 13.2200% | 1,119 |
| Retained earnings to average equity (ytd only) | 9.8708% | 748 |
| Net charge-offs to loans | 0.0610% | 3,108 |
| Credit loss provision to net charge-offs | -740.7407% | 5,663 |
| Earnings coverage of net charge-offs (x) | 31.5926% | 1,211 |
| Efficiency ratio | 72.2376% | 3,288 |
| Assets per employee ($millions) | 3.5709% | 4,719 |
| Cash dividends to net income (ytd only)* | 25.3342% | 2,989 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2762% | 3,990 |
| Loan loss allowance to noncurrent loans | 82.1313% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 1.0867% | 2,889 |
| Noncurrent loans to loans | 1.5538% | 2,229 |
| Net loans and leases to total assets | 60.4731% | 3,639 |
| Net loans and leases to deposits | 70.3120% | 3,785 |
| Net loans and leases to core deposits | 72.3781% | 4,006 |
| Total domestic deposits to total assets | 86.0068% | 3,032 |
| Equity capital to assets | 8.0253% | 6,143 |
| Core capital (leverage) ratio | 8.4497% | 5,687 |
| Tier 1 risk-based capital ratio | 12.1365% | 5,460 |
| Total risk-based capital ratio | 13.3072% | 5,443 |
| Memoranda: |
| Average total assets | $281,798,670 | 2,276 |
| Average earning assets | $263,367,670 | 2,258 |
| Average equity | $22,632,330 | 2,885 |
| Average total loans | $177,041,670 | 2,265 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4669% | 1,912 |
| Cost of funding earning assets | 0.4461% | 3,470 |
| Net interest margin | 4.0208% | 1,681 |
| Noninterest income to average assets | 0.7876% | 1,806 |
| Noninterest expense to average assets | 3.2010% | 2,231 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9454% | 2,428 |
| Return on assets (ROA) | 0.9454% | 2,498 |
| Pretax return on assets | 1.3319% | 1,988 |
| Return on Equity (ROE) | 11.7663% | 1,470 |
| Retained earnings to average equity (ytd only) | 8.3427% | 1,475 |
| Net charge-offs to loans | 0.1683% | 1,709 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 12.4324% | 1,717 |
| Efficiency ratio | 70.6164% | 3,722 |
| Assets per employee ($millions) | 3.4638% | 5,000 |
| Cash dividends to net income (ytd only)* | 29.0965% | 2,312 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5087% | 3,107 |
| Loan loss allowance to noncurrent loans | 97.3377% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 1.1181% | 3,021 |
| Noncurrent loans to loans | 1.5500% | 2,490 |
| Net loans and leases to total assets | 62.1025% | 3,225 |
| Net loans and leases to deposits | 72.5032% | 3,270 |
| Net loans and leases to core deposits | 75.2100% | 3,504 |
| Total domestic deposits to total assets | 85.6548% | 3,529 |
| Equity capital to assets | 8.0430% | 6,027 |
| Core capital (leverage) ratio | 8.4924% | 5,656 |
| Tier 1 risk-based capital ratio | 12.1451% | 5,545 |
| Total risk-based capital ratio | 13.3973% | 5,469 |
| Memoranda: |
| Average total assets | $276,291,500 | 2,327 |
| Average earning assets | $257,359,000 | 2,303 |
| Average equity | $22,199,000 | 2,926 |
| Average total loans | $175,881,500 | 2,275 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5104% | 2,169 |
| Cost of funding earning assets | 0.5201% | 3,395 |
| Net interest margin | 3.9903% | 1,971 |
| Noninterest income to average assets | 0.9008% | 1,675 |
| Noninterest expense to average assets | 3.3354% | 2,037 |
| Loan and lease loss provision to assets | -0.0761% | 6,446 |
| Net operating income to assets | 0.9655% | 2,488 |
| Return on assets (ROA) | 0.9655% | 2,557 |
| Pretax return on assets | 1.3424% | 2,000 |
| Return on Equity (ROE) | 11.7559% | 1,501 |
| Retained earnings to average equity (ytd only) | 8.4970% | 905 |
| Net charge-offs to loans | 0.3781% | 1,778 |
| Credit loss provision to net charge-offs | -31.8471% | 5,746 |
| Earnings coverage of net charge-offs (x) | 5.2962% | 3,338 |
| Efficiency ratio | 72.4828% | 3,389 |
| Assets per employee ($millions) | 3.4002% | 5,088 |
| Cash dividends to net income (ytd only)* | 27.7208% | 3,386 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5687% | 2,891 |
| Loan loss allowance to noncurrent loans | 87.6358% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 1.2981% | 2,824 |
| Noncurrent loans to loans | 1.7901% | 2,242 |
| Net loans and leases to total assets | 63.2727% | 3,168 |
| Net loans and leases to deposits | 74.2980% | 3,221 |
| Net loans and leases to core deposits | 77.4324% | 3,432 |
| Total domestic deposits to total assets | 85.1608% | 3,660 |
| Equity capital to assets | 8.0260% | 5,998 |
| Core capital (leverage) ratio | 8.3607% | 5,816 |
| Tier 1 risk-based capital ratio | 11.8583% | 5,702 |
| Total risk-based capital ratio | 13.1106% | 5,637 |
| Memoranda: |
| Average total assets | $262,668,000 | 2,408 |
| Average earning assets | $243,614,800 | 2,394 |
| Average equity | $21,572,200 | 2,975 |
| Average total loans | $166,113,000 | 2,348 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5395% | 2,080 |
| Cost of funding earning assets | 0.5337% | 3,431 |
| Net interest margin | 4.0057% | 1,927 |
| Noninterest income to average assets | 0.9086% | 1,726 |
| Noninterest expense to average assets | 3.3920% | 1,850 |
| Loan and lease loss provision to assets | -0.1024% | 6,632 |
| Net operating income to assets | 0.9500% | 2,593 |
| Return on assets (ROA) | 0.9500% | 2,696 |
| Pretax return on assets | 1.3321% | 2,204 |
| Return on Equity (ROE) | 11.4997% | 1,654 |
| Retained earnings to average equity (ytd only) | 8.2575% | 1,314 |
| Net charge-offs to loans | 0.1488% | 3,053 |
| Credit loss provision to net charge-offs | -109.2896% | 5,803 |
| Earnings coverage of net charge-offs (x) | 13.1204% | 2,065 |
| Efficiency ratio | 73.3932% | 3,158 |
| Assets per employee ($millions) | 3.2806% | 5,324 |
| Cash dividends to net income (ytd only)* | 28.1943% | 2,751 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8826% | 2,054 |
| Loan loss allowance to noncurrent loans | 89.7017% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 1.5408% | 2,622 |
| Noncurrent loans to loans | 2.0987% | 2,130 |
| Net loans and leases to total assets | 61.7643% | 3,406 |
| Net loans and leases to deposits | 72.2698% | 3,476 |
| Net loans and leases to core deposits | 74.8044% | 3,757 |
| Total domestic deposits to total assets | 85.4635% | 3,513 |
| Equity capital to assets | 8.0390% | 6,123 |
| Core capital (leverage) ratio | 8.2380% | 6,027 |
| Tier 1 risk-based capital ratio | 11.8775% | 5,856 |
| Total risk-based capital ratio | 13.1383% | 5,790 |
| Memoranda: |
| Average total assets | $260,331,000 | 2,452 |
| Average earning assets | $241,314,250 | 2,431 |
| Average equity | $21,507,250 | 3,015 |
| Average total loans | $163,927,500 | 2,379 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5539% | 2,018 |
| Cost of funding earning assets | 0.5499% | 3,414 |
| Net interest margin | 4.0040% | 1,844 |
| Noninterest income to average assets | 0.8825% | 1,879 |
| Noninterest expense to average assets | 3.3958% | 1,832 |
| Loan and lease loss provision to assets | -0.1554% | 6,755 |
| Net operating income to assets | 0.9595% | 2,514 |
| Return on assets (ROA) | 0.9595% | 2,664 |
| Pretax return on assets | 1.3471% | 2,136 |
| Return on Equity (ROE) | 11.5057% | 1,636 |
| Retained earnings to average equity (ytd only) | 8.3195% | 1,359 |
| Net charge-offs to loans | 0.1850% | 2,646 |
| Credit loss provision to net charge-offs | -133.3333% | 5,651 |
| Earnings coverage of net charge-offs (x) | 10.2267% | 2,173 |
| Efficiency ratio | 74.0220% | 3,125 |
| Assets per employee ($millions) | 3.0595% | 5,751 |
| Cash dividends to net income (ytd only)* | 27.6923% | 2,739 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9643% | 1,931 |
| Loan loss allowance to noncurrent loans | 88.9533% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 1.6886% | 2,577 |
| Noncurrent loans to loans | 2.2083% | 2,166 |
| Net loans and leases to total assets | 61.0951% | 3,466 |
| Net loans and leases to deposits | 71.6216% | 3,507 |
| Net loans and leases to core deposits | 74.2588% | 3,770 |
| Total domestic deposits to total assets | 85.3026% | 3,742 |
| Equity capital to assets | 8.1164% | 6,117 |
| Core capital (leverage) ratio | 8.3398% | 5,837 |
| Tier 1 risk-based capital ratio | 11.7434% | 5,959 |
| Total risk-based capital ratio | 13.0044% | 5,909 |
| Memoranda: |
| Average total assets | $257,437,000 | 2,484 |
| Average earning assets | $238,214,000 | 2,463 |
| Average equity | $21,467,670 | 3,037 |
| Average total loans | $162,122,670 | 2,409 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6130% | 1,790 |
| Cost of funding earning assets | 0.5713% | 3,365 |
| Net interest margin | 4.0417% | 1,641 |
| Noninterest income to average assets | 0.8955% | 1,772 |
| Noninterest expense to average assets | 3.4345% | 1,755 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8657% | 2,834 |
| Return on assets (ROA) | 0.8657% | 2,974 |
| Pretax return on assets | 1.1956% | 2,592 |
| Return on Equity (ROE) | 10.2400% | 1,974 |
| Retained earnings to average equity (ytd only) | 7.0620% | 2,124 |
| Net charge-offs to loans | 0.2382% | 2,020 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 7.9271% | 2,004 |
| Efficiency ratio | 74.1771% | 3,233 |
| Assets per employee ($millions) | 3.1022% | 5,821 |
| Cash dividends to net income (ytd only)* | 31.0345% | 2,070 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1103% | 1,772 |
| Loan loss allowance to noncurrent loans | 92.9393% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 1.7503% | 2,669 |
| Noncurrent loans to loans | 2.2706% | 2,305 |
| Net loans and leases to total assets | 61.8573% | 3,087 |
| Net loans and leases to deposits | 72.6984% | 3,093 |
| Net loans and leases to core deposits | 75.3639% | 3,401 |
| Total domestic deposits to total assets | 85.0875% | 3,995 |
| Equity capital to assets | 8.3178% | 6,174 |
| Core capital (leverage) ratio | 8.4096% | 5,697 |
| Tier 1 risk-based capital ratio | 11.6213% | 6,122 |
| Total risk-based capital ratio | 12.8846% | 6,090 |
| Memoranda: |
| Average total assets | $254,595,000 | 2,535 |
| Average earning assets | $235,247,000 | 2,519 |
| Average equity | $21,523,500 | 3,078 |
| Average total loans | $161,196,500 | 2,429 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9929% | 1,577 |
| Cost of funding earning assets | 0.6933% | 3,545 |
| Net interest margin | 4.2995% | 1,404 |
| Noninterest income to average assets | 1.0497% | 1,407 |
| Noninterest expense to average assets | 3.6759% | 1,463 |
| Loan and lease loss provision to assets | -0.0372% | 6,852 |
| Net operating income to assets | 1.0208% | 2,250 |
| Return on assets (ROA) | 1.0217% | 2,462 |
| Pretax return on assets | 1.3952% | 2,054 |
| Return on Equity (ROE) | 11.9826% | 1,519 |
| Retained earnings to average equity (ytd only) | 9.0874% | 797 |
| Net charge-offs to loans | 0.6930% | 1,706 |
| Credit loss provision to net charge-offs | -8.2873% | 6,212 |
| Earnings coverage of net charge-offs (x) | 3.0267% | 3,916 |
| Efficiency ratio | 73.0397% | 3,233 |
| Assets per employee ($millions) | 2.7623% | 6,351 |
| Cash dividends to net income (ytd only)* | 24.1616% | 3,607 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2641% | 1,430 |
| Loan loss allowance to noncurrent loans | 80.1571% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 2.0418% | 2,402 |
| Noncurrent loans to loans | 2.8245% | 1,866 |
| Net loans and leases to total assets | 62.0085% | 3,251 |
| Net loans and leases to deposits | 73.3795% | 3,195 |
| Net loans and leases to core deposits | 76.1903% | 3,508 |
| Total domestic deposits to total assets | 84.5038% | 4,083 |
| Equity capital to assets | 8.5968% | 5,969 |
| Core capital (leverage) ratio | 8.6398% | 5,410 |
| Tier 1 risk-based capital ratio | 12.3351% | 5,577 |
| Total risk-based capital ratio | 13.6014% | 5,517 |
| Memoranda: |
| Average total assets | $242,252,000 | 2,610 |
| Average earning assets | $224,419,200 | 2,572 |
| Average equity | $20,655,000 | 3,125 |
| Average total loans | $156,712,600 | 2,475 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0160% | 1,661 |
| Cost of funding earning assets | 0.7244% | 3,559 |
| Net interest margin | 4.2916% | 1,494 |
| Noninterest income to average assets | 1.0570% | 1,350 |
| Noninterest expense to average assets | 3.6315% | 1,496 |
| Loan and lease loss provision to assets | -0.0499% | 6,996 |
| Net operating income to assets | 1.1219% | 2,020 |
| Return on assets (ROA) | 1.1219% | 2,214 |
| Pretax return on assets | 1.4565% | 2,055 |
| Return on Equity (ROE) | 13.1860% | 1,292 |
| Retained earnings to average equity (ytd only) | 10.3600% | 824 |
| Net charge-offs to loans | 0.7618% | 1,450 |
| Credit loss provision to net charge-offs | -10.0671% | 6,097 |
| Earnings coverage of net charge-offs (x) | 2.8400% | 3,901 |
| Efficiency ratio | 72.0805% | 3,313 |
| Assets per employee ($millions) | 2.8812% | 6,243 |
| Cash dividends to net income (ytd only)* | 21.4320% | 2,988 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3550% | 1,428 |
| Loan loss allowance to noncurrent loans | 85.2708% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 2.1222% | 2,524 |
| Noncurrent loans to loans | 2.7618% | 2,046 |
| Net loans and leases to total assets | 65.2430% | 2,794 |
| Net loans and leases to deposits | 75.2235% | 3,107 |
| Net loans and leases to core deposits | 78.1323% | 3,440 |
| Total domestic deposits to total assets | 86.7322% | 2,835 |
| Equity capital to assets | 8.9955% | 5,831 |
| Core capital (leverage) ratio | 8.6055% | 5,612 |
| Tier 1 risk-based capital ratio | 12.3525% | 5,732 |
| Total risk-based capital ratio | 13.6207% | 5,693 |
| Memoranda: |
| Average total assets | $240,664,250 | 2,643 |
| Average earning assets | $223,252,500 | 2,604 |
| Average equity | $20,475,750 | 3,175 |
| Average total loans | $156,459,250 | 2,512 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0258% | 1,716 |
| Cost of funding earning assets | 0.7557% | 3,561 |
| Net interest margin | 4.2700% | 1,546 |
| Noninterest income to average assets | 1.0549% | 1,302 |
| Noninterest expense to average assets | 3.6256% | 1,527 |
| Loan and lease loss provision to assets | 0.0498% | 5,050 |
| Net operating income to assets | 1.0349% | 2,322 |
| Return on assets (ROA) | 1.0349% | 2,542 |
| Pretax return on assets | 1.3434% | 2,408 |
| Return on Equity (ROE) | 12.3992% | 1,539 |
| Retained earnings to average equity (ytd only) | 9.6968% | 1,060 |
| Net charge-offs to loans | 0.2961% | 2,842 |
| Credit loss provision to net charge-offs | 26.0870% | 4,506 |
| Earnings coverage of net charge-offs (x) | 7.3043% | 2,506 |
| Efficiency ratio | 72.2406% | 3,385 |
| Assets per employee ($millions) | 2.7945% | 6,411 |
| Cash dividends to net income (ytd only)* | 21.7949% | 2,915 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8786% | 883 |
| Loan loss allowance to noncurrent loans | 111.4167% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 1.8829% | 2,927 |
| Noncurrent loans to loans | 2.5836% | 2,325 |
| Net loans and leases to total assets | 64.2559% | 2,978 |
| Net loans and leases to deposits | 73.8435% | 3,321 |
| Net loans and leases to core deposits | 76.7277% | 3,689 |
| Total domestic deposits to total assets | 87.0163% | 2,756 |
| Equity capital to assets | 8.6275% | 6,096 |
| Core capital (leverage) ratio | 8.3413% | 5,858 |
| Tier 1 risk-based capital ratio | 12.1286% | 5,846 |
| Total risk-based capital ratio | 13.3977% | 5,811 |
| Memoranda: |
| Average total assets | $241,171,330 | 2,647 |
| Average earning assets | $223,885,670 | 2,601 |
| Average equity | $20,130,330 | 3,204 |
| Average total loans | $155,350,000 | 2,531 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9415% | 2,084 |
| Cost of funding earning assets | 0.7674% | 3,718 |
| Net interest margin | 4.1741% | 1,839 |
| Noninterest income to average assets | 0.9851% | 1,466 |
| Noninterest expense to average assets | 3.4752% | 1,815 |
| Loan and lease loss provision to assets | 0.0745% | 4,466 |
| Net operating income to assets | 1.0066% | 2,456 |
| Return on assets (ROA) | 1.0066% | 2,645 |
| Pretax return on assets | 1.3080% | 2,508 |
| Return on Equity (ROE) | 12.2652% | 1,593 |
| Retained earnings to average equity (ytd only) | 9.5216% | 1,407 |
| Net charge-offs to loans | 0.1172% | 3,412 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 18.5556% | 1,260 |
| Efficiency ratio | 71.5406% | 3,521 |
| Assets per employee ($millions) | 3.0500% | 6,061 |
| Cash dividends to net income (ytd only)* | 22.3684% | 2,274 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0216% | 813 |
| Loan loss allowance to noncurrent loans | 120.1468% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 1.7680% | 3,217 |
| Noncurrent loans to loans | 2.5149% | 2,594 |
| Net loans and leases to total assets | 61.6692% | 3,324 |
| Net loans and leases to deposits | 70.2194% | 3,707 |
| Net loans and leases to core deposits | 72.2490% | 4,114 |
| Total domestic deposits to total assets | 87.8236% | 2,437 |
| Equity capital to assets | 8.1141% | 6,441 |
| Core capital (leverage) ratio | 8.0999% | 6,158 |
| Tier 1 risk-based capital ratio | 11.9236% | 6,009 |
| Total risk-based capital ratio | 13.1975% | 5,994 |
| Memoranda: |
| Average total assets | $241,594,500 | 2,651 |
| Average earning assets | $224,142,500 | 2,612 |
| Average equity | $19,828,500 | 3,245 |
| Average total loans | $153,525,000 | 2,578 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0240% | 2,780 |
| Cost of funding earning assets | 1.0031% | 3,355 |
| Net interest margin | 4.0209% | 2,783 |
| Noninterest income to average assets | 1.0861% | 1,124 |
| Noninterest expense to average assets | 3.6387% | 1,667 |
| Loan and lease loss provision to assets | 0.3272% | 3,065 |
| Net operating income to assets | 0.6569% | 3,708 |
| Return on assets (ROA) | 0.6569% | 3,899 |
| Pretax return on assets | 0.8348% | 3,846 |
| Return on Equity (ROE) | 8.4430% | 2,697 |
| Retained earnings to average equity (ytd only) | 7.2785% | 1,373 |
| Net charge-offs to loans | 0.3803% | 3,508 |
| Credit loss provision to net charge-offs | 133.3333% | 2,274 |
| Earnings coverage of net charge-offs (x) | 4.7350% | 2,995 |
| Efficiency ratio | 75.7952% | 2,915 |
| Assets per employee ($millions) | 2.8797% | 6,318 |
| Cash dividends to net income (ytd only)* | 13.7931% | 3,754 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1658% | 702 |
| Loan loss allowance to noncurrent loans | 103.0836% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 2.1517% | 2,785 |
| Noncurrent loans to loans | 3.0711% | 2,110 |
| Net loans and leases to total assets | 61.4902% | 3,695 |
| Net loans and leases to deposits | 70.3333% | 4,044 |
| Net loans and leases to core deposits | 72.4364% | 4,451 |
| Total domestic deposits to total assets | 87.4268% | 2,511 |
| Equity capital to assets | 8.3049% | 6,348 |
| Core capital (leverage) ratio | 7.9086% | 6,351 |
| Tier 1 risk-based capital ratio | 12.0389% | 5,809 |
| Total risk-based capital ratio | 13.3108% | 5,778 |
| Memoranda: |
| Average total assets | $238,379,200 | 2,651 |
| Average earning assets | $220,221,600 | 2,609 |
| Average equity | $18,547,800 | 3,352 |
| Average total loans | $153,833,200 | 2,586 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9964% | 3,098 |
| Cost of funding earning assets | 1.0389% | 3,399 |
| Net interest margin | 3.9575% | 3,119 |
| Noninterest income to average assets | 1.0033% | 1,331 |
| Noninterest expense to average assets | 3.6867% | 1,523 |
| Loan and lease loss provision to assets | 0.3515% | 2,762 |
| Net operating income to assets | 0.4676% | 4,685 |
| Return on assets (ROA) | 0.4676% | 4,878 |
| Pretax return on assets | 0.6188% | 4,744 |
| Return on Equity (ROE) | 6.1115% | 3,974 |
| Retained earnings to average equity (ytd only) | 5.3239% | 2,974 |
| Net charge-offs to loans | 0.3230% | 3,486 |
| Credit loss provision to net charge-offs | 168.0000% | 1,800 |
| Earnings coverage of net charge-offs (x) | 4.6373% | 3,002 |
| Efficiency ratio | 79.1637% | 2,382 |
| Assets per employee ($millions) | 3.1084% | 5,879 |
| Cash dividends to net income (ytd only)* | 12.8881% | 3,186 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1214% | 782 |
| Loan loss allowance to noncurrent loans | 96.2170% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 2.2482% | 2,842 |
| Noncurrent loans to loans | 3.2442% | 2,136 |
| Net loans and leases to total assets | 61.5336% | 3,833 |
| Net loans and leases to deposits | 71.8406% | 4,012 |
| Net loans and leases to core deposits | 74.2481% | 4,419 |
| Total domestic deposits to total assets | 85.6531% | 3,416 |
| Equity capital to assets | 7.8724% | 6,767 |
| Core capital (leverage) ratio | 7.6678% | 6,658 |
| Tier 1 risk-based capital ratio | 11.7489% | 6,069 |
| Total risk-based capital ratio | 13.0215% | 6,051 |
| Memoranda: |
| Average total assets | $238,939,750 | 2,660 |
| Average earning assets | $220,605,000 | 2,620 |
| Average equity | $18,282,000 | 3,395 |
| Average total loans | $154,804,500 | 2,592 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0030% | 3,138 |
| Cost of funding earning assets | 1.0802% | 3,391 |
| Net interest margin | 3.9229% | 3,202 |
| Noninterest income to average assets | 1.0784% | 1,120 |
| Noninterest expense to average assets | 3.5892% | 1,765 |
| Loan and lease loss provision to assets | 0.3533% | 2,667 |
| Net operating income to assets | 0.5838% | 4,138 |
| Return on assets (ROA) | 0.5838% | 4,268 |
| Pretax return on assets | 0.7528% | 4,203 |
| Return on Equity (ROE) | 7.7053% | 3,094 |
| Retained earnings to average equity (ytd only) | 7.7053% | 1,580 |
| Net charge-offs to loans | 0.3869% | 3,013 |
| Credit loss provision to net charge-offs | 140.0000% | 2,172 |
| Earnings coverage of net charge-offs (x) | 4.3833% | 2,871 |
| Efficiency ratio | 76.4421% | 2,947 |
| Assets per employee ($millions) | 2.9062% | 6,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0579% | 845 |
| Loan loss allowance to noncurrent loans | 84.1499% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 2.6327% | 2,533 |
| Noncurrent loans to loans | 3.6339% | 1,937 |
| Net loans and leases to total assets | 62.1503% | 3,862 |
| Net loans and leases to deposits | 72.4093% | 4,052 |
| Net loans and leases to core deposits | 75.6575% | 4,363 |
| Total domestic deposits to total assets | 85.8320% | 3,419 |
| Equity capital to assets | 7.7881% | 6,813 |
| Core capital (leverage) ratio | 7.7924% | 6,520 |
| Tier 1 risk-based capital ratio | 11.6337% | 6,073 |
| Total risk-based capital ratio | 12.9050% | 6,042 |
| Memoranda: |
| Average total assets | $237,767,670 | 2,678 |
| Average earning assets | $219,228,330 | 2,655 |
| Average equity | $18,013,670 | 3,411 |
| Average total loans | $155,073,000 | 2,609 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0209% | 3,005 |
| Cost of funding earning assets | 1.1267% | 3,315 |
| Net interest margin | 3.8942% | 3,170 |
| Noninterest income to average assets | 0.9449% | 1,489 |
| Noninterest expense to average assets | 3.4897% | 2,027 |
| Loan and lease loss provision to assets | 0.3537% | 2,430 |
| Net operating income to assets | 0.5289% | 4,357 |
| Return on assets (ROA) | 0.5289% | 4,442 |
| Pretax return on assets | 0.6872% | 4,355 |
| Return on Equity (ROE) | 7.0798% | 3,336 |
| Retained earnings to average equity (ytd only) | 7.0798% | 2,111 |
| Net charge-offs to loans | 0.5428% | 2,136 |
| Credit loss provision to net charge-offs | 99.0566% | 2,753 |
| Earnings coverage of net charge-offs (x) | 2.9151% | 2,919 |
| Efficiency ratio | 77.0260% | 2,983 |
| Assets per employee ($millions) | 2.9261% | 6,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9330% | 974 |
| Loan loss allowance to noncurrent loans | 67.8801% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 2.8007% | 2,461 |
| Noncurrent loans to loans | 4.3209% | 1,638 |
| Net loans and leases to total assets | 62.7571% | 3,704 |
| Net loans and leases to deposits | 73.4014% | 3,860 |
| Net loans and leases to core deposits | 76.0213% | 4,304 |
| Total domestic deposits to total assets | 85.4985% | 3,784 |
| Equity capital to assets | 7.4589% | 6,887 |
| Core capital (leverage) ratio | 7.6850% | 6,571 |
| Tier 1 risk-based capital ratio | 11.3746% | 6,199 |
| Total risk-based capital ratio | 12.6499% | 6,166 |
| Memoranda: |
| Average total assets | $237,496,000 | 2,701 |
| Average earning assets | $218,684,000 | 2,678 |
| Average equity | $17,740,500 | 3,443 |
| Average total loans | $156,218,000 | 2,613 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3289% | 2,984 |
| Cost of funding earning assets | 1.3809% | 3,387 |
| Net interest margin | 3.9480% | 3,265 |
| Noninterest income to average assets | 1.0381% | 1,391 |
| Noninterest expense to average assets | 3.5138% | 2,136 |
| Loan and lease loss provision to assets | 0.5627% | 2,877 |
| Net operating income to assets | 0.5047% | 4,077 |
| Return on assets (ROA) | 0.5047% | 4,236 |
| Pretax return on assets | 0.5954% | 4,342 |
| Return on Equity (ROE) | 7.1126% | 3,060 |
| Retained earnings to average equity (ytd only) | 7.1126% | 1,269 |
| Net charge-offs to loans | 2.1441% | 916 |
| Credit loss provision to net charge-offs | 37.7083% | 6,416 |
| Earnings coverage of net charge-offs (x) | 0.7761% | 5,349 |
| Efficiency ratio | 75.1751% | 3,169 |
| Assets per employee ($millions) | 2.9019% | 6,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8937% | 962 |
| Loan loss allowance to noncurrent loans | 64.9636% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 3.0002% | 2,343 |
| Noncurrent loans to loans | 4.4544% | 1,594 |
| Net loans and leases to total assets | 64.9876% | 3,669 |
| Net loans and leases to deposits | 77.9596% | 3,519 |
| Net loans and leases to core deposits | 81.0697% | 4,050 |
| Total domestic deposits to total assets | 83.3606% | 4,656 |
| Equity capital to assets | 7.4809% | 6,887 |
| Core capital (leverage) ratio | 7.5134% | 6,695 |
| Tier 1 risk-based capital ratio | 10.8115% | 6,475 |
| Total risk-based capital ratio | 12.0804% | 6,435 |
| Memoranda: |
| Average total assets | $229,265,200 | 2,765 |
| Average earning assets | $211,020,600 | 2,742 |
| Average equity | $16,266,800 | 3,711 |
| Average total loans | $159,555,800 | 2,623 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3114% | 3,292 |
| Cost of funding earning assets | 1.4161% | 3,483 |
| Net interest margin | 3.8954% | 3,549 |
| Noninterest income to average assets | 1.0640% | 1,268 |
| Noninterest expense to average assets | 3.4313% | 2,205 |
| Loan and lease loss provision to assets | 0.5150% | 2,884 |
| Net operating income to assets | 0.4893% | 4,365 |
| Return on assets (ROA) | 0.4893% | 4,565 |
| Pretax return on assets | 0.7093% | 4,198 |
| Return on Equity (ROE) | 6.9938% | 3,349 |
| Retained earnings to average equity (ytd only) | 6.9938% | 1,850 |
| Net charge-offs to loans | 2.0018% | 943 |
| Credit loss provision to net charge-offs | 36.6057% | 6,071 |
| Earnings coverage of net charge-offs (x) | 0.8702% | 5,179 |
| Efficiency ratio | 73.6518% | 3,389 |
| Assets per employee ($millions) | 2.9578% | 6,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2821% | 650 |
| Loan loss allowance to noncurrent loans | 71.1979% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 3.2294% | 2,214 |
| Noncurrent loans to loans | 4.6099% | 1,548 |
| Net loans and leases to total assets | 65.0604% | 3,899 |
| Net loans and leases to deposits | 78.3857% | 3,759 |
| Net loans and leases to core deposits | 82.3182% | 4,198 |
| Total domestic deposits to total assets | 83.0003% | 4,586 |
| Equity capital to assets | 7.5568% | 7,092 |
| Core capital (leverage) ratio | 7.3064% | 6,999 |
| Tier 1 risk-based capital ratio | 10.8425% | 6,512 |
| Total risk-based capital ratio | 12.1168% | 6,472 |
| Memoranda: |
| Average total assets | $227,818,750 | 2,819 |
| Average earning assets | $210,056,750 | 2,793 |
| Average equity | $15,937,500 | 3,819 |
| Average total loans | $160,118,250 | 2,658 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3908% | 3,010 |
| Cost of funding earning assets | 1.4431% | 3,599 |
| Net interest margin | 3.9477% | 3,246 |
| Noninterest income to average assets | 1.0086% | 1,357 |
| Noninterest expense to average assets | 3.4675% | 2,104 |
| Loan and lease loss provision to assets | 0.5933% | 2,406 |
| Net operating income to assets | 0.3799% | 4,851 |
| Return on assets (ROA) | 0.3799% | 5,011 |
| Pretax return on assets | 0.5862% | 4,605 |
| Return on Equity (ROE) | 5.5845% | 4,003 |
| Retained earnings to average equity (ytd only) | 5.5845% | 2,566 |
| Net charge-offs to loans | 2.5029% | 684 |
| Credit loss provision to net charge-offs | 33.2341% | 5,693 |
| Earnings coverage of net charge-offs (x) | 0.6607% | 5,084 |
| Efficiency ratio | 74.5427% | 3,358 |
| Assets per employee ($millions) | 3.0535% | 6,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3674% | 608 |
| Loan loss allowance to noncurrent loans | 97.1070% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 2.4651% | 2,916 |
| Noncurrent loans to loans | 3.4677% | 2,286 |
| Net loans and leases to total assets | 65.1389% | 4,012 |
| Net loans and leases to deposits | 79.2419% | 3,748 |
| Net loans and leases to core deposits | 83.1676% | 4,251 |
| Total domestic deposits to total assets | 82.2026% | 4,909 |
| Equity capital to assets | 7.2687% | 7,240 |
| Core capital (leverage) ratio | 7.3165% | 6,983 |
| Tier 1 risk-based capital ratio | 9.8069% | 7,129 |
| Total risk-based capital ratio | 11.0154% | 7,135 |
| Memoranda: |
| Average total assets | $225,868,670 | 2,862 |
| Average earning assets | $208,170,000 | 2,833 |
| Average equity | $15,364,000 | 3,920 |
| Average total loans | $161,096,000 | 2,682 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4644% | 2,761 |
| Cost of funding earning assets | 1.4835% | 3,668 |
| Net interest margin | 3.9809% | 2,953 |
| Noninterest income to average assets | 0.8805% | 1,701 |
| Noninterest expense to average assets | 3.3267% | 2,444 |
| Loan and lease loss provision to assets | 0.3797% | 3,089 |
| Net operating income to assets | 0.6201% | 3,805 |
| Return on assets (ROA) | 0.6201% | 3,940 |
| Pretax return on assets | 0.8371% | 3,722 |
| Return on Equity (ROE) | 9.4614% | 2,311 |
| Retained earnings to average equity (ytd only) | 9.4614% | 1,278 |
| Net charge-offs to loans | 2.7808% | 576 |
| Credit loss provision to net charge-offs | 18.6005% | 4,963 |
| Earnings coverage of net charge-offs (x) | 0.5961% | 4,495 |
| Efficiency ratio | 73.0999% | 3,742 |
| Assets per employee ($millions) | 2.9114% | 6,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5735% | 514 |
| Loan loss allowance to noncurrent loans | 104.4014% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 2.5487% | 2,849 |
| Noncurrent loans to loans | 3.4228% | 2,329 |
| Net loans and leases to total assets | 67.6243% | 3,479 |
| Net loans and leases to deposits | 82.4320% | 3,209 |
| Net loans and leases to core deposits | 86.2981% | 3,848 |
| Total domestic deposits to total assets | 82.0365% | 5,061 |
| Equity capital to assets | 7.3400% | 7,188 |
| Core capital (leverage) ratio | 7.7159% | 6,606 |
| Tier 1 risk-based capital ratio | 10.3371% | 6,773 |
| Total risk-based capital ratio | 11.6157% | 6,745 |
| Memoranda: |
| Average total assets | $221,243,500 | 2,975 |
| Average earning assets | $203,574,000 | 2,948 |
| Average equity | $14,501,000 | 4,122 |
| Average total loans | $162,398,500 | 2,733 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0413% | 1,711 |
| Cost of funding earning assets | 1.7539% | 4,234 |
| Net interest margin | 4.2875% | 1,756 |
| Noninterest income to average assets | 1.1462% | 1,172 |
| Noninterest expense to average assets | 3.6706% | 1,978 |
| Loan and lease loss provision to assets | 3.3443% | 477 |
| Net operating income to assets | -1.1207% | 6,657 |
| Return on assets (ROA) | -1.1207% | 6,667 |
| Pretax return on assets | -1.9203% | 6,904 |
| Return on Equity (ROE) | -16.5932% | 7,012 |
| Retained earnings to average equity (ytd only) | -22.3242% | 7,187 |
| Net charge-offs to loans | 1.3321% | 1,870 |
| Credit loss provision to net charge-offs | 333.2708% | 979 |
| Earnings coverage of net charge-offs (x) | 1.4191% | 4,707 |
| Efficiency ratio | 71.7904% | 4,295 |
| Assets per employee ($millions) | 2.8332% | 6,600 |
| Cash dividends to net income (ytd only)* | -34.5378% | 7,771 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.0875% | 340 |
| Loan loss allowance to noncurrent loans | 128.8910% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 2.5023% | 2,794 |
| Noncurrent loans to loans | 3.1713% | 2,415 |
| Net loans and leases to total assets | 73.7993% | 2,316 |
| Net loans and leases to deposits | 89.1029% | 2,371 |
| Net loans and leases to core deposits | 109.7376% | 2,923 |
| Total domestic deposits to total assets | 82.8248% | 4,596 |
| Equity capital to assets | 5.7039% | 7,710 |
| Core capital (leverage) ratio | 5.6950% | 7,680 |
| Tier 1 risk-based capital ratio | 7.3648% | 7,710 |
| Total risk-based capital ratio | 8.6501% | 7,714 |
| Memoranda: |
| Average total assets | $212,360,600 | 3,037 |
| Average earning assets | $195,569,400 | 3,026 |
| Average equity | $14,343,200 | 4,182 |
| Average total loans | $159,972,200 | 2,763 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1086% | 1,622 |
| Cost of funding earning assets | 1.8002% | 4,379 |
| Net interest margin | 4.3084% | 1,708 |
| Noninterest income to average assets | 1.1378% | 1,214 |
| Noninterest expense to average assets | 3.5855% | 2,055 |
| Loan and lease loss provision to assets | 0.6543% | 2,789 |
| Net operating income to assets | 0.6405% | 3,449 |
| Return on assets (ROA) | 0.6405% | 3,518 |
| Pretax return on assets | 0.8684% | 3,328 |
| Return on Equity (ROE) | 9.1279% | 2,219 |
| Retained earnings to average equity (ytd only) | 3.6153% | 3,263 |
| Net charge-offs to loans | 0.6503% | 2,732 |
| Credit loss provision to net charge-offs | 134.2784% | 3,710 |
| Earnings coverage of net charge-offs (x) | 3.1250% | 3,672 |
| Efficiency ratio | 69.8832% | 4,620 |
| Assets per employee ($millions) | 2.8365% | 6,566 |
| Cash dividends to net income (ytd only)* | 60.3918% | 1,584 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2056% | 5,072 |
| Loan loss allowance to noncurrent loans | 50.9531% | 4,922 |
| Noncurrent assets plus other real estate owned to assets | 1.9343% | 3,445 |
| Noncurrent loans to loans | 2.3661% | 3,189 |
| Net loans and leases to total assets | 77.2223% | 1,734 |
| Net loans and leases to deposits | 95.6898% | 1,620 |
| Net loans and leases to core deposits | 119.5798% | 2,281 |
| Total domestic deposits to total assets | 80.7006% | 5,190 |
| Equity capital to assets | 7.6299% | 7,206 |
| Core capital (leverage) ratio | 7.4530% | 7,032 |
| Tier 1 risk-based capital ratio | 9.2597% | 7,510 |
| Total risk-based capital ratio | 10.4375% | 7,545 |
| Memoranda: |
| Average total assets | $212,329,000 | 3,060 |
| Average earning assets | $195,675,750 | 3,048 |
| Average equity | $14,899,000 | 4,113 |
| Average total loans | $159,091,000 | 2,808 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0661% | 1,921 |
| Cost of funding earning assets | 1.8521% | 4,501 |
| Net interest margin | 4.2140% | 1,944 |
| Noninterest income to average assets | 1.0894% | 1,345 |
| Noninterest expense to average assets | 3.6539% | 1,938 |
| Loan and lease loss provision to assets | 0.5912% | 2,675 |
| Net operating income to assets | 0.5358% | 3,955 |
| Return on assets (ROA) | 0.5358% | 4,060 |
| Pretax return on assets | 0.7300% | 3,900 |
| Return on Equity (ROE) | 7.8612% | 2,832 |
| Retained earnings to average equity (ytd only) | 2.2166% | 4,107 |
| Net charge-offs to loans | 0.7267% | 2,237 |
| Credit loss provision to net charge-offs | 110.1399% | 4,208 |
| Earnings coverage of net charge-offs (x) | 2.4615% | 3,840 |
| Efficiency ratio | 73.1045% | 4,175 |
| Assets per employee ($millions) | 2.7743% | 6,690 |
| Cash dividends to net income (ytd only)* | 71.8039% | 1,312 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1075% | 5,548 |
| Loan loss allowance to noncurrent loans | 41.3455% | 5,600 |
| Noncurrent assets plus other real estate owned to assets | 2.0874% | 3,075 |
| Noncurrent loans to loans | 2.6786% | 2,687 |
| Net loans and leases to total assets | 73.9875% | 2,701 |
| Net loans and leases to deposits | 93.2273% | 2,232 |
| Net loans and leases to core deposits | 117.4095% | 2,599 |
| Total domestic deposits to total assets | 79.3624% | 5,703 |
| Equity capital to assets | 6.7756% | 7,719 |
| Core capital (leverage) ratio | 6.7248% | 7,691 |
| Tier 1 risk-based capital ratio | 8.6591% | 7,822 |
| Total risk-based capital ratio | 9.7308% | 7,879 |
| Memoranda: |
| Average total assets | $213,139,330 | 3,071 |
| Average earning assets | $196,534,670 | 3,047 |
| Average equity | $14,527,000 | 4,195 |
| Average total loans | $157,432,670 | 2,871 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1042% | 1,928 |
| Cost of funding earning assets | 1.8800% | 4,740 |
| Net interest margin | 4.2243% | 1,823 |
| Noninterest income to average assets | 0.9281% | 1,741 |
| Noninterest expense to average assets | 3.2861% | 2,699 |
| Loan and lease loss provision to assets | 0.4227% | 2,813 |
| Net operating income to assets | 0.8304% | 2,994 |
| Return on assets (ROA) | 0.8304% | 3,144 |
| Pretax return on assets | 1.1160% | 2,928 |
| Return on Equity (ROE) | 12.1483% | 1,613 |
| Retained earnings to average equity (ytd only) | 6.4864% | 2,421 |
| Net charge-offs to loans | 0.2176% | 3,339 |
| Credit loss provision to net charge-offs | 264.7059% | 1,787 |
| Earnings coverage of net charge-offs (x) | 9.6353% | 2,036 |
| Efficiency ratio | 67.7570% | 5,011 |
| Assets per employee ($millions) | 2.7952% | 6,654 |
| Cash dividends to net income (ytd only)* | 46.6063% | 1,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1784% | 4,941 |
| Loan loss allowance to noncurrent loans | 45.2259% | 5,506 |
| Noncurrent assets plus other real estate owned to assets | 1.9853% | 2,927 |
| Noncurrent loans to loans | 2.6057% | 2,531 |
| Net loans and leases to total assets | 72.1582% | 3,210 |
| Net loans and leases to deposits | 90.8908% | 2,794 |
| Net loans and leases to core deposits | 113.1836% | 3,082 |
| Total domestic deposits to total assets | 79.3900% | 5,577 |
| Equity capital to assets | 6.8030% | 7,764 |
| Core capital (leverage) ratio | 6.8059% | 7,765 |
| Tier 1 risk-based capital ratio | 8.8957% | 7,845 |
| Total risk-based capital ratio | 10.0424% | 7,936 |
| Memoranda: |
| Average total assets | $212,899,000 | 3,083 |
| Average earning assets | $196,388,000 | 3,063 |
| Average equity | $14,553,500 | 4,215 |
| Average total loans | $156,238,000 | 2,909 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6932% | 2,051 |
| Cost of funding earning assets | 2.4819% | 4,301 |
| Net interest margin | 4.2113% | 2,273 |
| Noninterest income to average assets | 1.1108% | 1,267 |
| Noninterest expense to average assets | 3.4245% | 2,596 |
| Loan and lease loss provision to assets | 0.3168% | 3,848 |
| Net operating income to assets | 0.9339% | 2,857 |
| Return on assets (ROA) | 0.9373% | 2,700 |
| Pretax return on assets | 1.2312% | 2,545 |
| Return on Equity (ROE) | 13.6253% | 1,181 |
| Retained earnings to average equity (ytd only) | 6.6037% | 1,297 |
| Net charge-offs to loans | 0.4455% | 2,599 |
| Credit loss provision to net charge-offs | 97.7444% | 5,453 |
| Earnings coverage of net charge-offs (x) | 4.7624% | 3,870 |
| Efficiency ratio | 68.5765% | 4,617 |
| Assets per employee ($millions) | 2.6654% | 6,859 |
| Cash dividends to net income (ytd only)* | 51.5341% | 3,051 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1023% | 5,262 |
| Loan loss allowance to noncurrent loans | 52.6122% | 5,372 |
| Noncurrent assets plus other real estate owned to assets | 1.6104% | 3,029 |
| Noncurrent loans to loans | 2.0951% | 2,634 |
| Net loans and leases to total assets | 72.9484% | 3,373 |
| Net loans and leases to deposits | 92.2653% | 3,085 |
| Net loans and leases to core deposits | 115.2152% | 3,214 |
| Total domestic deposits to total assets | 79.0638% | 5,356 |
| Equity capital to assets | 6.8695% | 7,797 |
| Core capital (leverage) ratio | 6.6474% | 7,874 |
| Tier 1 risk-based capital ratio | 8.9667% | 7,808 |
| Total risk-based capital ratio | 10.0538% | 7,959 |
| Memoranda: |
| Average total assets | $205,168,200 | 3,067 |
| Average earning assets | $187,923,200 | 3,071 |
| Average equity | $14,113,400 | 4,318 |
| Average total loans | $149,272,600 | 2,944 |
