| 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 | 4.8707% | 2,124 |
| Cost of funding earning assets | 0.9119% | 3,245 |
| Net interest margin | 3.9588% | 1,282 |
| Noninterest income to average assets | 0.8700% | 813 |
| Noninterest expense to average assets | 3.1720% | 849 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.3779% | 1,368 |
| Return on assets (ROA) | 1.3795% | 1,350 |
| Pretax return on assets | 1.3945% | 1,789 |
| Return on Equity (ROE) | 17.1500% | 1,054 |
| Retained earnings to average equity (ytd only) | 0.6085% | 4,029 |
| Net charge-offs to loans | 0.0245% | 1,589 |
| Credit loss provision to net charge-offs | 102.2727% | 1,600 |
| Earnings coverage of net charge-offs (x) | 81.2045% | 1,040 |
| Efficiency ratio | 69.2169% | 1,876 |
| Assets per employee ($millions) | 5.1817% | 3,450 |
| Cash dividends to net income (ytd only)* | 96.4511% | 260 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2560% | 2,073 |
| Loan loss allowance to noncurrent loans | 431.8373% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.2150% | 2,190 |
| Noncurrent loans to loans | 0.2908% | 2,192 |
| Net loans and leases to total assets | 72.9900% | 1,466 |
| Net loans and leases to deposits | 88.5911% | 1,335 |
| Net loans and leases to core deposits | 92.5302% | 1,763 |
| Total domestic deposits to total assets | 82.3900% | 3,143 |
| Equity capital to assets | 7.6933% | 3,250 |
| Core capital (leverage) ratio | 10.0345% | 2,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0242% | 1,888 |
| Memoranda: |
| Average total assets | $337,697,250 | 2,240 |
| Average earning assets | $316,852,000 | 2,222 |
| Average equity | $27,170,500 | 2,394 |
| Average total loans | $238,967,500 | 2,062 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7457% | 2,119 |
| Cost of funding earning assets | 0.7449% | 3,365 |
| Net interest margin | 4.0009% | 1,239 |
| Noninterest income to average assets | 0.8500% | 770 |
| Noninterest expense to average assets | 3.1879% | 803 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.3800% | 1,383 |
| Return on assets (ROA) | 1.3823% | 1,354 |
| Pretax return on assets | 1.3964% | 1,820 |
| Return on Equity (ROE) | 16.9400% | 1,108 |
| Retained earnings to average equity (ytd only) | -2.9723% | 4,340 |
| Net charge-offs to loans | 0.0371% | 1,166 |
| Credit loss provision to net charge-offs | 102.2727% | 1,425 |
| Earnings coverage of net charge-offs (x) | 54.8409% | 1,235 |
| Efficiency ratio | 69.1748% | 1,844 |
| Assets per employee ($millions) | 4.8758% | 3,693 |
| Cash dividends to net income (ytd only)* | 117.5468% | 204 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2854% | 1,991 |
| Loan loss allowance to noncurrent loans | 355.9538% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.2534% | 1,932 |
| Noncurrent loans to loans | 0.3611% | 1,842 |
| Net loans and leases to total assets | 69.2800% | 1,821 |
| Net loans and leases to deposits | 85.5286% | 1,538 |
| Net loans and leases to core deposits | 88.5665% | 1,889 |
| Total domestic deposits to total assets | 81.0000% | 3,431 |
| Equity capital to assets | 7.9700% | 3,238 |
| Core capital (leverage) ratio | 9.8540% | 2,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2370% | 2,555 |
| Memoranda: |
| Average total assets | $339,720,667 | 2,241 |
| Average earning assets | $318,981,333 | 2,226 |
| Average equity | $27,723,000 | 2,378 |
| Average total loans | $236,907,000 | 2,071 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6155% | 2,046 |
| Cost of funding earning assets | 0.5278% | 3,604 |
| Net interest margin | 4.0877% | 1,116 |
| Noninterest income to average assets | 0.7700% | 918 |
| Noninterest expense to average assets | 3.1759% | 833 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.3691% | 1,491 |
| Return on assets (ROA) | 1.3749% | 1,447 |
| Pretax return on assets | 1.3891% | 1,909 |
| Return on Equity (ROE) | 16.6500% | 1,235 |
| Retained earnings to average equity (ytd only) | -0.6432% | 4,103 |
| Net charge-offs to loans | 0.0085% | 1,628 |
| Credit loss provision to net charge-offs | 900.0000% | 381 |
| Earnings coverage of net charge-offs (x) | 243.4000% | 439 |
| Efficiency ratio | 68.8588% | 1,879 |
| Assets per employee ($millions) | 5.0819% | 3,588 |
| Cash dividends to net income (ytd only)* | 103.8627% | 420 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3012% | 2,032 |
| Loan loss allowance to noncurrent loans | 335.6297% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.2728% | 1,780 |
| Noncurrent loans to loans | 0.3877% | 1,766 |
| Net loans and leases to total assets | 69.4600% | 1,677 |
| Net loans and leases to deposits | 84.5820% | 1,457 |
| Net loans and leases to core deposits | 86.9005% | 1,807 |
| Total domestic deposits to total assets | 82.1200% | 3,468 |
| Equity capital to assets | 8.3280% | 3,021 |
| Core capital (leverage) ratio | 9.9044% | 2,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2522% | 2,648 |
| Memoranda: |
| Average total assets | $338,929,500 | 2,277 |
| Average earning assets | $318,318,500 | 2,263 |
| Average equity | $27,983,500 | 2,387 |
| Average total loans | $235,590,500 | 2,094 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7530% | 2,399 |
| Cost of funding earning assets | 0.2315% | 3,502 |
| Net interest margin | 3.5215% | 1,863 |
| Noninterest income to average assets | 0.8700% | 852 |
| Noninterest expense to average assets | 3.0434% | 905 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.0778% | 2,269 |
| Return on assets (ROA) | 1.0795% | 2,207 |
| Pretax return on assets | 1.0939% | 2,790 |
| Return on Equity (ROE) | 13.0600% | 1,792 |
| Retained earnings to average equity (ytd only) | 3.3520% | 3,609 |
| Net charge-offs to loans | 0.0660% | 988 |
| Credit loss provision to net charge-offs | 123.2877% | 1,442 |
| Earnings coverage of net charge-offs (x) | 27.8014% | 1,723 |
| Efficiency ratio | 72.6998% | 1,365 |
| Assets per employee ($millions) | 4.7517% | 3,851 |
| Cash dividends to net income (ytd only)* | 74.3349% | 564 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3297% | 1,760 |
| Loan loss allowance to noncurrent loans | 315.1484% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.2896% | 1,694 |
| Noncurrent loans to loans | 0.4219% | 1,662 |
| Net loans and leases to total assets | 67.7200% | 1,861 |
| Net loans and leases to deposits | 83.3732% | 1,508 |
| Net loans and leases to core deposits | 84.5759% | 1,840 |
| Total domestic deposits to total assets | 81.2300% | 3,728 |
| Equity capital to assets | 8.1842% | 2,945 |
| Core capital (leverage) ratio | 9.8650% | 2,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7475% | 2,472 |
| Memoranda: |
| Average total assets | $355,158,800 | 2,202 |
| Average earning assets | $334,825,400 | 2,179 |
| Average equity | $29,356,000 | 2,363 |
| Average total loans | $221,287,800 | 2,102 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5743% | 2,409 |
| Cost of funding earning assets | 0.2137% | 3,107 |
| Net interest margin | 3.3606% | 2,102 |
| Noninterest income to average assets | 0.8800% | 864 |
| Noninterest expense to average assets | 3.0299% | 871 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.9599% | 2,621 |
| Return on assets (ROA) | 0.9621% | 2,590 |
| Pretax return on assets | 0.9740% | 3,097 |
| Return on Equity (ROE) | 11.6100% | 2,166 |
| Retained earnings to average equity (ytd only) | -0.0716% | 4,353 |
| Net charge-offs to loans | 0.0165% | 1,524 |
| Credit loss provision to net charge-offs | 500.0000% | 606 |
| Earnings coverage of net charge-offs (x) | 102.0741% | 941 |
| Efficiency ratio | 74.7804% | 1,200 |
| Assets per employee ($millions) | 4.8971% | 3,764 |
| Cash dividends to net income (ytd only)* | 100.6166% | 225 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4270% | 1,518 |
| Loan loss allowance to noncurrent loans | 328.7800% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 0.2798% | 1,836 |
| Noncurrent loans to loans | 0.4340% | 1,727 |
| Net loans and leases to total assets | 63.5400% | 2,138 |
| Net loans and leases to deposits | 77.4099% | 1,764 |
| Net loans and leases to core deposits | 78.1700% | 2,026 |
| Total domestic deposits to total assets | 82.0800% | 3,830 |
| Equity capital to assets | 7.4560% | 3,247 |
| Core capital (leverage) ratio | 9.2296% | 3,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6359% | 2,610 |
| Memoranda: |
| Average total assets | $359,605,750 | 2,199 |
| Average earning assets | $339,372,750 | 2,169 |
| Average equity | $29,792,250 | 2,377 |
| Average total loans | $218,720,000 | 2,117 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3751% | 2,503 |
| Cost of funding earning assets | 0.2165% | 2,686 |
| Net interest margin | 3.1586% | 2,336 |
| Noninterest income to average assets | 0.8789% | 882 |
| Noninterest expense to average assets | 2.9452% | 919 |
| Loan and lease loss provision to assets | 0.0493% | 1,695 |
| Net operating income to assets | 0.8604% | 2,733 |
| Return on assets (ROA) | 0.8636% | 2,695 |
| Pretax return on assets | 0.8757% | 3,134 |
| Return on Equity (ROE) | 10.1079% | 2,296 |
| Retained earnings to average equity (ytd only) | 0.2628% | 4,140 |
| Net charge-offs to loans | 0.0266% | 1,183 |
| Credit loss provision to net charge-offs | 310.3448% | 792 |
| Earnings coverage of net charge-offs (x) | 58.0345% | 1,094 |
| Efficiency ratio | 76.1648% | 1,261 |
| Assets per employee ($millions) | 5.0065% | 3,675 |
| Cash dividends to net income (ytd only)* | 97.4001% | 395 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4179% | 1,679 |
| Loan loss allowance to noncurrent loans | 297.5096% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.2896% | 1,846 |
| Noncurrent loans to loans | 0.4766% | 1,690 |
| Net loans and leases to total assets | 59.9096% | 2,333 |
| Net loans and leases to deposits | 73.4454% | 1,920 |
| Net loans and leases to core deposits | 74.1482% | 2,158 |
| Total domestic deposits to total assets | 81.5702% | 4,066 |
| Equity capital to assets | 7.7037% | 3,344 |
| Core capital (leverage) ratio | 9.0658% | 3,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7145% | 2,600 |
| Memoranda: |
| Average total assets | $365,209,000 | 2,179 |
| Average earning assets | $345,466,333 | 2,160 |
| Average equity | $31,203,333 | 2,355 |
| Average total loans | $217,974,000 | 2,124 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3540% | 2,227 |
| Cost of funding earning assets | 0.2355% | 2,313 |
| Net interest margin | 3.1184% | 2,115 |
| Noninterest income to average assets | 0.7617% | 1,143 |
| Noninterest expense to average assets | 2.9272% | 912 |
| Loan and lease loss provision to assets | 0.0490% | 1,495 |
| Net operating income to assets | 0.7270% | 2,953 |
| Return on assets (ROA) | 0.7324% | 2,910 |
| Pretax return on assets | 0.7443% | 3,268 |
| Return on Equity (ROE) | 8.1773% | 2,612 |
| Retained earnings to average equity (ytd only) | -0.4496% | 4,074 |
| Net charge-offs to loans | 0.0092% | 1,414 |
| Credit loss provision to net charge-offs | 900.0000% | 360 |
| Earnings coverage of net charge-offs (x) | 144.8000% | 548 |
| Efficiency ratio | 78.7932% | 1,245 |
| Assets per employee ($millions) | 5.0928% | 3,674 |
| Cash dividends to net income (ytd only)* | 105.4978% | 484 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4482% | 1,720 |
| Loan loss allowance to noncurrent loans | 428.4722% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.1991% | 2,437 |
| Noncurrent loans to loans | 0.3380% | 2,272 |
| Net loans and leases to total assets | 58.0580% | 2,289 |
| Net loans and leases to deposits | 71.7383% | 1,804 |
| Net loans and leases to core deposits | 72.8276% | 2,039 |
| Total domestic deposits to total assets | 80.9303% | 4,205 |
| Equity capital to assets | 8.5445% | 3,118 |
| Core capital (leverage) ratio | 8.9337% | 3,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9138% | 2,637 |
| Memoranda: |
| Average total assets | $367,581,000 | 2,176 |
| Average earning assets | $348,126,500 | 2,155 |
| Average equity | $32,920,500 | 2,335 |
| Average total loans | $217,431,500 | 2,115 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6943% | 2,130 |
| Cost of funding earning assets | 0.3465% | 1,967 |
| Net interest margin | 3.3478% | 2,178 |
| Noninterest income to average assets | 1.0529% | 914 |
| Noninterest expense to average assets | 3.0520% | 914 |
| Loan and lease loss provision to assets | 0.1069% | 1,182 |
| Net operating income to assets | 1.0432% | 2,509 |
| Return on assets (ROA) | 1.0524% | 2,549 |
| Pretax return on assets | 1.0669% | 3,077 |
| Return on Equity (ROE) | 11.1010% | 2,131 |
| Retained earnings to average equity (ytd only) | 6.4479% | 2,160 |
| Net charge-offs to loans | 0.0354% | 1,536 |
| Credit loss provision to net charge-offs | 474.3902% | 825 |
| Earnings coverage of net charge-offs (x) | 51.8293% | 1,276 |
| Efficiency ratio | 72.3829% | 1,466 |
| Assets per employee ($millions) | 5.1174% | 3,630 |
| Cash dividends to net income (ytd only)* | 41.9162% | 1,942 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3726% | 2,034 |
| Loan loss allowance to noncurrent loans | 1,232.7935% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.0661% | 3,505 |
| Noncurrent loans to loans | 0.1113% | 3,372 |
| Net loans and leases to total assets | 58.5700% | 2,318 |
| Net loans and leases to deposits | 74.8109% | 1,662 |
| Net loans and leases to core deposits | 75.9449% | 1,926 |
| Total domestic deposits to total assets | 78.2907% | 4,366 |
| Equity capital to assets | 9.3543% | 3,270 |
| Core capital (leverage) ratio | 8.9761% | 3,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5294% | 2,769 |
| Memoranda: |
| Average total assets | $364,978,600 | 2,126 |
| Average earning assets | $344,884,400 | 2,106 |
| Average equity | $34,600,400 | 2,310 |
| Average total loans | $231,626,000 | 2,041 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7161% | 2,232 |
| Cost of funding earning assets | 0.3660% | 1,974 |
| Net interest margin | 3.3501% | 2,291 |
| Noninterest income to average assets | 0.9198% | 1,218 |
| Noninterest expense to average assets | 3.0287% | 922 |
| Loan and lease loss provision to assets | 0.0165% | 2,674 |
| Net operating income to assets | 1.0213% | 2,831 |
| Return on assets (ROA) | 1.0337% | 2,856 |
| Pretax return on assets | 1.0491% | 3,326 |
| Return on Equity (ROE) | 10.8667% | 2,410 |
| Retained earnings to average equity (ytd only) | 6.3817% | 2,661 |
| Net charge-offs to loans | -0.0330% | 4,175 |
| Credit loss provision to net charge-offs | -77.5862% | 3,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1988% | 1,198 |
| Assets per employee ($millions) | 4.9396% | 3,754 |
| Cash dividends to net income (ytd only)* | 41.2727% | 1,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2379% | 2,808 |
| Loan loss allowance to noncurrent loans | 767.8378% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.1026% | 3,419 |
| Noncurrent loans to loans | 0.1612% | 3,315 |
| Net loans and leases to total assets | 62.8560% | 1,905 |
| Net loans and leases to deposits | 80.5238% | 1,237 |
| Net loans and leases to core deposits | 81.9433% | 1,577 |
| Total domestic deposits to total assets | 78.0590% | 4,420 |
| Equity capital to assets | 9.6867% | 3,200 |
| Core capital (leverage) ratio | 8.7724% | 3,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0080% | 2,965 |
| Memoranda: |
| Average total assets | $362,830,250 | 2,157 |
| Average earning assets | $342,464,000 | 2,139 |
| Average equity | $34,514,250 | 2,339 |
| Average total loans | $234,071,000 | 2,065 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6825% | 2,385 |
| Cost of funding earning assets | 0.3797% | 2,054 |
| Net interest margin | 3.3028% | 2,424 |
| Noninterest income to average assets | 0.9115% | 1,242 |
| Noninterest expense to average assets | 2.9512% | 1,067 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0588% | 2,682 |
| Return on assets (ROA) | 1.0776% | 2,686 |
| Pretax return on assets | 1.0947% | 3,235 |
| Return on Equity (ROE) | 11.3975% | 2,265 |
| Retained earnings to average equity (ytd only) | 8.4885% | 1,898 |
| Net charge-offs to loans | -0.0059% | 3,487 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2923% | 1,304 |
| Assets per employee ($millions) | 4.9813% | 3,673 |
| Cash dividends to net income (ytd only)* | 25.5232% | 2,271 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1819% | 3,042 |
| Loan loss allowance to noncurrent loans | 1,633.9286% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.0633% | 3,801 |
| Noncurrent loans to loans | 0.0723% | 3,825 |
| Net loans and leases to total assets | 63.1128% | 2,048 |
| Net loans and leases to deposits | 81.3316% | 1,292 |
| Net loans and leases to core deposits | 83.3151% | 1,616 |
| Total domestic deposits to total assets | 77.5994% | 4,465 |
| Equity capital to assets | 9.6232% | 3,223 |
| Core capital (leverage) ratio | 8.5486% | 3,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7154% | 2,802 |
| Memoranda: |
| Average total assets | $363,577,333 | 2,139 |
| Average earning assets | $342,922,667 | 2,126 |
| Average equity | $34,376,000 | 2,343 |
| Average total loans | $235,597,000 | 2,059 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8214% | 2,038 |
| Cost of funding earning assets | 0.3875% | 2,198 |
| Net interest margin | 3.4339% | 2,006 |
| Noninterest income to average assets | 1.0254% | 1,098 |
| Noninterest expense to average assets | 3.2392% | 669 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0042% | 2,795 |
| Return on assets (ROA) | 1.0408% | 2,750 |
| Pretax return on assets | 1.0607% | 3,214 |
| Return on Equity (ROE) | 11.1074% | 2,331 |
| Retained earnings to average equity (ytd only) | 11.1074% | 1,376 |
| Net charge-offs to loans | -0.0034% | 3,251 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9938% | 1,141 |
| Assets per employee ($millions) | 4.8526% | 3,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1515% | 3,185 |
| Loan loss allowance to noncurrent loans | 174.1894% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 0.4433% | 2,055 |
| Noncurrent loans to loans | 0.6611% | 1,921 |
| Net loans and leases to total assets | 63.7765% | 2,075 |
| Net loans and leases to deposits | 84.2079% | 1,125 |
| Net loans and leases to core deposits | 86.3582% | 1,494 |
| Total domestic deposits to total assets | 75.7371% | 4,594 |
| Equity capital to assets | 9.2284% | 3,471 |
| Core capital (leverage) ratio | 8.6227% | 3,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0841% | 2,915 |
| Memoranda: |
| Average total assets | $363,549,500 | 2,131 |
| Average earning assets | $342,703,000 | 2,115 |
| Average equity | $34,067,500 | 2,344 |
| Average total loans | $237,273,500 | 2,050 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1530% | 2,272 |
| Cost of funding earning assets | 0.5733% | 2,489 |
| Net interest margin | 3.5798% | 2,216 |
| Noninterest income to average assets | 1.2257% | 744 |
| Noninterest expense to average assets | 3.3793% | 810 |
| Loan and lease loss provision to assets | 0.1734% | 2,225 |
| Net operating income to assets | 1.0201% | 2,216 |
| Return on assets (ROA) | 1.0250% | 2,340 |
| Pretax return on assets | 1.0204% | 2,977 |
| Return on Equity (ROE) | 10.5564% | 1,789 |
| Retained earnings to average equity (ytd only) | 9.3034% | 712 |
| Net charge-offs to loans | 0.0189% | 2,693 |
| Credit loss provision to net charge-offs | 1,325.5814% | 627 |
| Earnings coverage of net charge-offs (x) | 90.9070% | 834 |
| Efficiency ratio | 73.9747% | 1,448 |
| Assets per employee ($millions) | 4.7774% | 3,630 |
| Cash dividends to net income (ytd only)* | 11.8694% | 3,510 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1572% | 3,177 |
| Loan loss allowance to noncurrent loans | 100.6988% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 0.7762% | 1,320 |
| Noncurrent loans to loans | 1.1492% | 1,235 |
| Net loans and leases to total assets | 65.2698% | 2,192 |
| Net loans and leases to deposits | 84.7425% | 1,386 |
| Net loans and leases to core deposits | 86.8288% | 1,803 |
| Total domestic deposits to total assets | 77.0213% | 4,409 |
| Equity capital to assets | 9.5174% | 3,593 |
| Core capital (leverage) ratio | 8.5476% | 4,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7364% | 2,984 |
| Memoranda: |
| Average total assets | $328,793,800 | 2,142 |
| Average earning assets | $307,003,400 | 2,135 |
| Average equity | $31,923,800 | 2,393 |
| Average total loans | $227,177,400 | 2,054 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2127% | 2,363 |
| Cost of funding earning assets | 0.6047% | 2,581 |
| Net interest margin | 3.6080% | 2,249 |
| Noninterest income to average assets | 1.2345% | 719 |
| Noninterest expense to average assets | 3.4152% | 783 |
| Loan and lease loss provision to assets | 0.2365% | 1,719 |
| Net operating income to assets | 0.9499% | 2,524 |
| Return on assets (ROA) | 0.9586% | 2,625 |
| Pretax return on assets | 0.9524% | 3,221 |
| Return on Equity (ROE) | 9.8193% | 2,081 |
| Retained earnings to average equity (ytd only) | 8.1197% | 1,264 |
| Net charge-offs to loans | 0.0184% | 2,489 |
| Credit loss provision to net charge-offs | 1,838.7097% | 516 |
| Earnings coverage of net charge-offs (x) | 91.7742% | 840 |
| Efficiency ratio | 74.3185% | 1,379 |
| Assets per employee ($millions) | 4.4709% | 3,878 |
| Cash dividends to net income (ytd only)* | 17.3085% | 2,905 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1647% | 2,865 |
| Loan loss allowance to noncurrent loans | 180.4990% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.4665% | 2,324 |
| Noncurrent loans to loans | 0.6452% | 2,177 |
| Net loans and leases to total assets | 68.6551% | 2,155 |
| Net loans and leases to deposits | 91.0643% | 1,151 |
| Net loans and leases to core deposits | 94.7039% | 1,576 |
| Total domestic deposits to total assets | 75.3919% | 4,475 |
| Equity capital to assets | 9.7110% | 3,507 |
| Core capital (leverage) ratio | 8.4034% | 4,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4998% | 3,032 |
| Memoranda: |
| Average total assets | $321,416,750 | 2,162 |
| Average earning assets | $299,404,000 | 2,160 |
| Average equity | $31,379,500 | 2,406 |
| Average total loans | $224,821,500 | 2,068 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3234% | 2,412 |
| Cost of funding earning assets | 0.6188% | 2,872 |
| Net interest margin | 3.7046% | 2,141 |
| Noninterest income to average assets | 1.2109% | 681 |
| Noninterest expense to average assets | 3.5967% | 656 |
| Loan and lease loss provision to assets | 0.3045% | 1,414 |
| Net operating income to assets | 0.7318% | 3,273 |
| Return on assets (ROA) | 0.7447% | 3,345 |
| Pretax return on assets | 0.7675% | 3,678 |
| Return on Equity (ROE) | 7.6134% | 2,893 |
| Retained earnings to average equity (ytd only) | 5.0194% | 2,465 |
| Net charge-offs to loans | 0.0054% | 2,769 |
| Credit loss provision to net charge-offs | 8,000.0000% | 140 |
| Earnings coverage of net charge-offs (x) | 278.1667% | 340 |
| Efficiency ratio | 77.2585% | 1,128 |
| Assets per employee ($millions) | 4.5299% | 3,747 |
| Cash dividends to net income (ytd only)* | 34.0716% | 2,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1460% | 2,801 |
| Loan loss allowance to noncurrent loans | 261.6959% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.3311% | 2,980 |
| Noncurrent loans to loans | 0.4379% | 2,847 |
| Net loans and leases to total assets | 67.2717% | 2,461 |
| Net loans and leases to deposits | 89.3239% | 1,412 |
| Net loans and leases to core deposits | 95.1864% | 1,644 |
| Total domestic deposits to total assets | 75.3121% | 4,491 |
| Equity capital to assets | 9.1938% | 3,930 |
| Core capital (leverage) ratio | 8.3338% | 4,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2412% | 3,132 |
| Memoranda: |
| Average total assets | $315,292,000 | 2,176 |
| Average earning assets | $293,148,333 | 2,166 |
| Average equity | $30,840,333 | 2,421 |
| Average total loans | $221,084,333 | 2,073 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5800% | 2,062 |
| Cost of funding earning assets | 0.6686% | 3,063 |
| Net interest margin | 3.9113% | 1,634 |
| Noninterest income to average assets | 0.8218% | 1,250 |
| Noninterest expense to average assets | 3.4721% | 974 |
| Loan and lease loss provision to assets | 0.1197% | 2,197 |
| Net operating income to assets | 0.8320% | 2,790 |
| Return on assets (ROA) | 0.8590% | 2,768 |
| Pretax return on assets | 0.8830% | 3,183 |
| Return on Equity (ROE) | 8.4904% | 2,318 |
| Retained earnings to average equity (ytd only) | 3.2332% | 2,988 |
| Net charge-offs to loans | 0.0037% | 2,452 |
| Credit loss provision to net charge-offs | 4,500.0000% | 176 |
| Earnings coverage of net charge-offs (x) | 366.5000% | 186 |
| Efficiency ratio | 78.0801% | 1,324 |
| Assets per employee ($millions) | 4.0973% | 3,787 |
| Cash dividends to net income (ytd only)* | 61.9195% | 1,349 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0683% | 3,356 |
| Loan loss allowance to noncurrent loans | 297.4127% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.2925% | 3,282 |
| Noncurrent loans to loans | 0.3592% | 3,209 |
| Net loans and leases to total assets | 70.2198% | 2,215 |
| Net loans and leases to deposits | 91.1987% | 1,378 |
| Net loans and leases to core deposits | 97.8937% | 1,637 |
| Total domestic deposits to total assets | 76.9964% | 4,350 |
| Equity capital to assets | 10.1695% | 3,630 |
| Core capital (leverage) ratio | 9.1348% | 4,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9859% | 3,103 |
| Memoranda: |
| Average total assets | $300,801,000 | 2,204 |
| Average earning assets | $278,780,000 | 2,203 |
| Average equity | $30,434,500 | 2,427 |
| Average total loans | $214,484,500 | 2,084 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2087% | 971 |
| Cost of funding earning assets | 0.6828% | 3,246 |
| Net interest margin | 4.5259% | 686 |
| Noninterest income to average assets | 1.0423% | 880 |
| Noninterest expense to average assets | 3.9235% | 583 |
| Loan and lease loss provision to assets | 0.3832% | 387 |
| Net operating income to assets | 0.9363% | 3,070 |
| Return on assets (ROA) | 0.9421% | 3,134 |
| Pretax return on assets | 0.9642% | 3,561 |
| Return on Equity (ROE) | 9.6025% | 2,476 |
| Retained earnings to average equity (ytd only) | -10.8643% | 5,071 |
| Net charge-offs to loans | 0.0598% | 2,248 |
| Credit loss provision to net charge-offs | 928.5714% | 370 |
| Earnings coverage of net charge-offs (x) | 32.5089% | 1,501 |
| Efficiency ratio | 74.5206% | 1,545 |
| Assets per employee ($millions) | 4.0161% | 3,880 |
| Cash dividends to net income (ytd only)* | 213.1404% | 63 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0343% | 3,299 |
| Loan loss allowance to noncurrent loans | 357.7670% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.2463% | 3,458 |
| Noncurrent loans to loans | 0.2891% | 3,400 |
| Net loans and leases to total assets | 71.1829% | 2,224 |
| Net loans and leases to deposits | 92.4292% | 1,320 |
| Net loans and leases to core deposits | 99.8320% | 1,577 |
| Total domestic deposits to total assets | 77.0134% | 4,488 |
| Equity capital to assets | 10.1533% | 3,786 |
| Core capital (leverage) ratio | 9.3390% | 4,238 |
| Tier 1 risk-based capital ratio | 12.1649% | 4,266 |
| Total risk-based capital ratio | 13.1330% | 4,300 |
| Memoranda: |
| Average total assets | $271,414,600 | 2,323 |
| Average earning assets | $253,230,000 | 2,314 |
| Average equity | $26,628,600 | 2,582 |
| Average total loans | $187,358,600 | 2,252 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2832% | 897 |
| Cost of funding earning assets | 0.6843% | 3,286 |
| Net interest margin | 4.5989% | 621 |
| Noninterest income to average assets | 1.0325% | 871 |
| Noninterest expense to average assets | 3.7855% | 671 |
| Loan and lease loss provision to assets | 0.4780% | 253 |
| Net operating income to assets | 1.0392% | 2,824 |
| Return on assets (ROA) | 1.0466% | 2,884 |
| Pretax return on assets | 1.0683% | 3,385 |
| Return on Equity (ROE) | 10.7733% | 2,113 |
| Retained earnings to average equity (ytd only) | -15.3830% | 5,182 |
| Net charge-offs to loans | 0.0118% | 2,941 |
| Credit loss provision to net charge-offs | 5,937.5000% | 69 |
| Earnings coverage of net charge-offs (x) | 191.1500% | 454 |
| Efficiency ratio | 71.0991% | 1,954 |
| Assets per employee ($millions) | 4.0186% | 3,879 |
| Cash dividends to net income (ytd only)* | 242.7890% | 50 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0477% | 3,303 |
| Loan loss allowance to noncurrent loans | 1,944.7368% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.0767% | 4,334 |
| Noncurrent loans to loans | 0.0539% | 4,399 |
| Net loans and leases to total assets | 70.4149% | 2,410 |
| Net loans and leases to deposits | 91.9933% | 1,437 |
| Net loans and leases to core deposits | 99.4425% | 1,703 |
| Total domestic deposits to total assets | 76.5435% | 4,584 |
| Equity capital to assets | 10.1508% | 3,868 |
| Core capital (leverage) ratio | 9.3214% | 4,350 |
| Tier 1 risk-based capital ratio | 11.9710% | 4,428 |
| Total risk-based capital ratio | 12.9200% | 4,490 |
| Memoranda: |
| Average total assets | $264,969,500 | 2,375 |
| Average earning assets | $247,269,500 | 2,370 |
| Average equity | $25,742,000 | 2,663 |
| Average total loans | $180,757,500 | 2,331 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3308% | 759 |
| Cost of funding earning assets | 0.7131% | 3,094 |
| Net interest margin | 4.6177% | 598 |
| Noninterest income to average assets | 0.9419% | 980 |
| Noninterest expense to average assets | 3.7306% | 723 |
| Loan and lease loss provision to assets | 0.6767% | 160 |
| Net operating income to assets | 0.8210% | 3,582 |
| Return on assets (ROA) | 0.8325% | 3,591 |
| Pretax return on assets | 0.8522% | 3,967 |
| Return on Equity (ROE) | 8.7219% | 2,966 |
| Retained earnings to average equity (ytd only) | -29.6117% | 5,271 |
| Net charge-offs to loans | -0.0059% | 4,171 |
| Credit loss provision to net charge-offs | -17,200.0000% | 4,552 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0901% | 2,056 |
| Assets per employee ($millions) | 4.1994% | 3,573 |
| Cash dividends to net income (ytd only)* | 439.5085% | 23 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9817% | 3,732 |
| Loan loss allowance to noncurrent loans | 1,213.5593% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.0936% | 4,297 |
| Noncurrent loans to loans | 0.0809% | 4,316 |
| Net loans and leases to total assets | 69.7220% | 2,562 |
| Net loans and leases to deposits | 89.5192% | 1,795 |
| Net loans and leases to core deposits | 96.5307% | 2,018 |
| Total domestic deposits to total assets | 77.8850% | 4,418 |
| Equity capital to assets | 9.4090% | 4,491 |
| Core capital (leverage) ratio | 8.7167% | 4,827 |
| Tier 1 risk-based capital ratio | 11.6419% | 4,614 |
| Total risk-based capital ratio | 12.5585% | 4,677 |
| Memoranda: |
| Average total assets | $254,167,330 | 2,462 |
| Average earning assets | $237,001,000 | 2,449 |
| Average equity | $24,260,670 | 2,783 |
| Average total loans | $170,472,000 | 2,450 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3652% | 3,356 |
| Cost of funding earning assets | 0.6990% | 3,060 |
| Net interest margin | 3.6663% | 3,022 |
| Noninterest income to average assets | 0.9333% | 959 |
| Noninterest expense to average assets | 3.4834% | 989 |
| Loan and lease loss provision to assets | 0.1594% | 1,058 |
| Net operating income to assets | 0.6889% | 3,975 |
| Return on assets (ROA) | 0.6889% | 4,012 |
| Pretax return on assets | 0.6995% | 4,302 |
| Return on Equity (ROE) | 7.1470% | 3,618 |
| Retained earnings to average equity (ytd only) | 1.6352% | 4,157 |
| Net charge-offs to loans | 0.0027% | 2,653 |
| Credit loss provision to net charge-offs | 9,000.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 485.0000% | 160 |
| Efficiency ratio | 80.2202% | 1,043 |
| Assets per employee ($millions) | 3.8465% | 4,125 |
| Cash dividends to net income (ytd only)* | 77.1208% | 980 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9215% | 4,068 |
| Loan loss allowance to noncurrent loans | 451.6447% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.1811% | 3,910 |
| Noncurrent loans to loans | 0.2040% | 3,857 |
| Net loans and leases to total assets | 65.0466% | 3,166 |
| Net loans and leases to deposits | 85.2854% | 2,219 |
| Net loans and leases to core deposits | 91.1340% | 2,388 |
| Total domestic deposits to total assets | 76.2693% | 4,733 |
| Equity capital to assets | 9.7668% | 4,033 |
| Core capital (leverage) ratio | 10.0876% | 3,508 |
| Tier 1 risk-based capital ratio | 13.7969% | 3,453 |
| Total risk-based capital ratio | 14.6304% | 3,583 |
| Memoranda: |
| Average total assets | $225,872,500 | 2,669 |
| Average earning assets | $210,023,000 | 2,665 |
| Average equity | $21,771,500 | 2,998 |
| Average total loans | $146,301,000 | 2,727 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2159% | 3,393 |
| Cost of funding earning assets | 0.5335% | 3,158 |
| Net interest margin | 3.6824% | 3,105 |
| Noninterest income to average assets | 0.9643% | 1,029 |
| Noninterest expense to average assets | 3.5182% | 976 |
| Loan and lease loss provision to assets | 0.1250% | 1,762 |
| Net operating income to assets | 0.7450% | 3,986 |
| Return on assets (ROA) | 0.7583% | 3,943 |
| Pretax return on assets | 0.7661% | 4,251 |
| Return on Equity (ROE) | 7.9441% | 3,468 |
| Retained earnings to average equity (ytd only) | 7.2166% | 1,571 |
| Net charge-offs to loans | 0.0147% | 3,191 |
| Credit loss provision to net charge-offs | 1,350.0000% | 307 |
| Earnings coverage of net charge-offs (x) | 94.8000% | 767 |
| Efficiency ratio | 80.0337% | 957 |
| Assets per employee ($millions) | 3.8102% | 4,170 |
| Cash dividends to net income (ytd only)* | 9.1575% | 3,846 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8934% | 4,199 |
| Loan loss allowance to noncurrent loans | 427.6667% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.1335% | 4,158 |
| Noncurrent loans to loans | 0.2089% | 3,831 |
| Net loans and leases to total assets | 63.3123% | 3,426 |
| Net loans and leases to deposits | 83.3419% | 2,587 |
| Net loans and leases to core deposits | 88.9189% | 2,662 |
| Total domestic deposits to total assets | 75.9670% | 4,757 |
| Equity capital to assets | 9.5097% | 4,122 |
| Core capital (leverage) ratio | 10.1952% | 3,362 |
| Tier 1 risk-based capital ratio | 14.3486% | 3,141 |
| Total risk-based capital ratio | 15.1627% | 3,254 |
| Memoranda: |
| Average total assets | $216,019,800 | 2,721 |
| Average earning assets | $201,310,600 | 2,710 |
| Average equity | $20,619,000 | 3,031 |
| Average total loans | $136,252,800 | 2,812 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1668% | 3,417 |
| Cost of funding earning assets | 0.4874% | 3,275 |
| Net interest margin | 3.6794% | 3,091 |
| Noninterest income to average assets | 0.9372% | 1,083 |
| Noninterest expense to average assets | 3.6197% | 831 |
| Loan and lease loss provision to assets | 0.1266% | 1,586 |
| Net operating income to assets | 0.6150% | 4,461 |
| Return on assets (ROA) | 0.6329% | 4,427 |
| Pretax return on assets | 0.6404% | 4,657 |
| Return on Equity (ROE) | 6.6243% | 4,069 |
| Retained earnings to average equity (ytd only) | 6.6243% | 2,321 |
| Net charge-offs to loans | -0.0278% | 4,722 |
| Credit loss provision to net charge-offs | -725.0000% | 4,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8576% | 717 |
| Assets per employee ($millions) | 3.7809% | 4,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9021% | 4,255 |
| Loan loss allowance to noncurrent loans | 312.0988% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.1847% | 4,014 |
| Noncurrent loans to loans | 0.2891% | 3,648 |
| Net loans and leases to total assets | 63.3174% | 3,504 |
| Net loans and leases to deposits | 86.6053% | 2,306 |
| Net loans and leases to core deposits | 91.8205% | 2,500 |
| Total domestic deposits to total assets | 73.1103% | 5,052 |
| Equity capital to assets | 9.2055% | 4,357 |
| Core capital (leverage) ratio | 10.3033% | 3,288 |
| Tier 1 risk-based capital ratio | 14.1494% | 3,295 |
| Total risk-based capital ratio | 15.0262% | 3,389 |
| Memoranda: |
| Average total assets | $213,824,000 | 2,761 |
| Average earning assets | $199,412,000 | 2,742 |
| Average equity | $20,429,250 | 3,075 |
| Average total loans | $134,413,250 | 2,851 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1706% | 3,203 |
| Cost of funding earning assets | 0.4505% | 3,352 |
| Net interest margin | 3.7200% | 2,858 |
| Noninterest income to average assets | 0.8896% | 1,213 |
| Noninterest expense to average assets | 3.6302% | 840 |
| Loan and lease loss provision to assets | 0.1274% | 1,559 |
| Net operating income to assets | 0.6069% | 4,473 |
| Return on assets (ROA) | 0.6340% | 4,404 |
| Pretax return on assets | 0.6415% | 4,661 |
| Return on Equity (ROE) | 6.5529% | 4,043 |
| Retained earnings to average equity (ytd only) | 6.5529% | 2,282 |
| Net charge-offs to loans | -0.0423% | 4,863 |
| Credit loss provision to net charge-offs | -482.1429% | 4,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0384% | 755 |
| Assets per employee ($millions) | 3.5692% | 4,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9123% | 4,282 |
| Loan loss allowance to noncurrent loans | 276.8519% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.2232% | 3,887 |
| Noncurrent loans to loans | 0.3295% | 3,522 |
| Net loans and leases to total assets | 60.6595% | 3,748 |
| Net loans and leases to deposits | 80.8800% | 2,864 |
| Net loans and leases to core deposits | 82.8637% | 3,171 |
| Total domestic deposits to total assets | 74.9994% | 4,958 |
| Equity capital to assets | 9.5031% | 4,095 |
| Core capital (leverage) ratio | 10.1066% | 3,471 |
| Tier 1 risk-based capital ratio | 15.1692% | 2,793 |
| Total risk-based capital ratio | 16.0773% | 2,884 |
| Memoranda: |
| Average total assets | $212,001,330 | 2,792 |
| Average earning assets | $198,439,000 | 2,769 |
| Average equity | $20,510,000 | 3,074 |
| Average total loans | $132,513,000 | 2,883 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0286% | 3,510 |
| Cost of funding earning assets | 0.4188% | 3,456 |
| Net interest margin | 3.6098% | 3,137 |
| Noninterest income to average assets | 0.7624% | 1,581 |
| Noninterest expense to average assets | 3.5235% | 961 |
| Loan and lease loss provision to assets | 0.1290% | 1,463 |
| Net operating income to assets | 0.4856% | 4,730 |
| Return on assets (ROA) | 0.5025% | 4,692 |
| Pretax return on assets | 0.5101% | 4,854 |
| Return on Equity (ROE) | 5.1483% | 4,441 |
| Retained earnings to average equity (ytd only) | 5.1483% | 3,101 |
| Net charge-offs to loans | -0.0090% | 4,208 |
| Credit loss provision to net charge-offs | -2,266.6667% | 4,320 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9954% | 714 |
| Assets per employee ($millions) | 3.7993% | 4,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8069% | 4,776 |
| Loan loss allowance to noncurrent loans | 262.8571% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.1974% | 4,093 |
| Noncurrent loans to loans | 0.3070% | 3,670 |
| Net loans and leases to total assets | 63.7844% | 3,340 |
| Net loans and leases to deposits | 82.1304% | 2,579 |
| Net loans and leases to core deposits | 83.8222% | 2,996 |
| Total domestic deposits to total assets | 77.6624% | 4,775 |
| Equity capital to assets | 9.4392% | 4,143 |
| Core capital (leverage) ratio | 10.1457% | 3,365 |
| Tier 1 risk-based capital ratio | 14.7033% | 3,025 |
| Total risk-based capital ratio | 15.5435% | 3,149 |
| Memoranda: |
| Average total assets | $210,926,500 | 2,837 |
| Average earning assets | $197,686,500 | 2,811 |
| Average equity | $20,589,500 | 3,098 |
| Average total loans | $133,220,000 | 2,899 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9645% | 3,522 |
| Cost of funding earning assets | 0.3578% | 3,639 |
| Net interest margin | 3.6067% | 3,142 |
| Noninterest income to average assets | 0.9896% | 1,044 |
| Noninterest expense to average assets | 3.6688% | 826 |
| Loan and lease loss provision to assets | 0.0935% | 2,335 |
| Net operating income to assets | 0.5877% | 4,070 |
| Return on assets (ROA) | 0.6523% | 3,847 |
| Pretax return on assets | 0.6586% | 4,607 |
| Return on Equity (ROE) | 6.5143% | 3,522 |
| Retained earnings to average equity (ytd only) | 1.0209% | 4,623 |
| Net charge-offs to loans | 0.1957% | 1,303 |
| Credit loss provision to net charge-offs | 81.3559% | 2,923 |
| Earnings coverage of net charge-offs (x) | 5.9788% | 3,241 |
| Efficiency ratio | 84.2311% | 749 |
| Assets per employee ($millions) | 3.7338% | 4,384 |
| Cash dividends to net income (ytd only)* | 84.3284% | 687 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7977% | 4,841 |
| Loan loss allowance to noncurrent loans | 227.2527% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.2176% | 4,046 |
| Noncurrent loans to loans | 0.3510% | 3,504 |
| Net loans and leases to total assets | 61.5010% | 3,678 |
| Net loans and leases to deposits | 79.0179% | 3,015 |
| Net loans and leases to core deposits | 80.6671% | 3,365 |
| Total domestic deposits to total assets | 77.8317% | 4,739 |
| Equity capital to assets | 10.0894% | 3,606 |
| Core capital (leverage) ratio | 10.1581% | 3,235 |
| Tier 1 risk-based capital ratio | 15.1916% | 2,751 |
| Total risk-based capital ratio | 16.0251% | 2,882 |
| Memoranda: |
| Average total assets | $205,432,400 | 2,867 |
| Average earning assets | $191,725,800 | 2,848 |
| Average equity | $20,570,200 | 3,073 |
| Average total loans | $120,566,000 | 3,054 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9186% | 3,628 |
| Cost of funding earning assets | 0.3433% | 3,737 |
| Net interest margin | 3.5753% | 3,242 |
| Noninterest income to average assets | 0.9753% | 1,077 |
| Noninterest expense to average assets | 3.6169% | 849 |
| Loan and lease loss provision to assets | 0.0815% | 2,465 |
| Net operating income to assets | 0.6045% | 4,374 |
| Return on assets (ROA) | 0.6858% | 4,115 |
| Pretax return on assets | 0.6923% | 4,627 |
| Return on Equity (ROE) | 6.8626% | 3,740 |
| Retained earnings to average equity (ytd only) | -0.5088% | 5,294 |
| Net charge-offs to loans | 0.1138% | 1,653 |
| Credit loss provision to net charge-offs | 123.7624% | 1,964 |
| Earnings coverage of net charge-offs (x) | 10.5052% | 2,587 |
| Efficiency ratio | 83.9461% | 757 |
| Assets per employee ($millions) | 3.4853% | 4,748 |
| Cash dividends to net income (ytd only)* | 107.4146% | 234 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8759% | 4,669 |
| Loan loss allowance to noncurrent loans | 422.2222% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.1269% | 4,610 |
| Noncurrent loans to loans | 0.2075% | 4,246 |
| Net loans and leases to total assets | 60.6472% | 3,792 |
| Net loans and leases to deposits | 75.7844% | 3,392 |
| Net loans and leases to core deposits | 78.9099% | 3,547 |
| Total domestic deposits to total assets | 80.0260% | 4,306 |
| Equity capital to assets | 10.2747% | 3,613 |
| Core capital (leverage) ratio | 10.1779% | 3,345 |
| Tier 1 risk-based capital ratio | 15.8852% | 2,552 |
| Total risk-based capital ratio | 16.8222% | 2,622 |
| Memoranda: |
| Average total assets | $204,517,500 | 2,900 |
| Average earning assets | $190,673,750 | 2,885 |
| Average equity | $20,438,750 | 3,113 |
| Average total loans | $118,300,750 | 3,104 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8537% | 3,707 |
| Cost of funding earning assets | 0.3284% | 3,813 |
| Net interest margin | 3.5253% | 3,308 |
| Noninterest income to average assets | 0.9454% | 1,141 |
| Noninterest expense to average assets | 3.6151% | 851 |
| Loan and lease loss provision to assets | 0.0558% | 2,855 |
| Net operating income to assets | 0.5508% | 4,517 |
| Return on assets (ROA) | 0.6672% | 4,055 |
| Pretax return on assets | 0.6730% | 4,616 |
| Return on Equity (ROE) | 6.7396% | 3,698 |
| Retained earnings to average equity (ytd only) | 1.9892% | 4,459 |
| Net charge-offs to loans | 0.1744% | 1,129 |
| Credit loss provision to net charge-offs | 56.4356% | 2,489 |
| Earnings coverage of net charge-offs (x) | 6.1782% | 2,736 |
| Efficiency ratio | 85.5355% | 727 |
| Assets per employee ($millions) | 3.4560% | 4,789 |
| Cash dividends to net income (ytd only)* | 70.4846% | 1,112 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8390% | 4,845 |
| Loan loss allowance to noncurrent loans | 277.2118% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.1799% | 4,455 |
| Noncurrent loans to loans | 0.3027% | 3,954 |
| Net loans and leases to total assets | 58.9315% | 3,927 |
| Net loans and leases to deposits | 73.0819% | 3,638 |
| Net loans and leases to core deposits | 76.1961% | 3,753 |
| Total domestic deposits to total assets | 80.6376% | 4,272 |
| Equity capital to assets | 10.1075% | 3,785 |
| Core capital (leverage) ratio | 10.0986% | 3,409 |
| Tier 1 risk-based capital ratio | 15.9088% | 2,540 |
| Total risk-based capital ratio | 16.8136% | 2,611 |
| Memoranda: |
| Average total assets | $204,146,000 | 2,919 |
| Average earning assets | $190,000,670 | 2,914 |
| Average equity | $20,209,000 | 3,138 |
| Average total loans | $115,797,000 | 3,145 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7309% | 3,998 |
| Cost of funding earning assets | 0.3244% | 3,807 |
| Net interest margin | 3.4065% | 3,635 |
| Noninterest income to average assets | 0.9598% | 1,081 |
| Noninterest expense to average assets | 3.5608% | 960 |
| Loan and lease loss provision to assets | 0.0573% | 2,658 |
| Net operating income to assets | 0.4879% | 4,646 |
| Return on assets (ROA) | 0.4957% | 4,636 |
| Pretax return on assets | 0.5016% | 4,965 |
| Return on Equity (ROE) | 5.0620% | 4,363 |
| Retained earnings to average equity (ytd only) | 5.0620% | 2,855 |
| Net charge-offs to loans | 0.2748% | 661 |
| Credit loss provision to net charge-offs | 37.6623% | 2,076 |
| Earnings coverage of net charge-offs (x) | 3.6234% | 2,467 |
| Efficiency ratio | 86.5994% | 750 |
| Assets per employee ($millions) | 3.7994% | 4,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9158% | 4,697 |
| Loan loss allowance to noncurrent loans | 208.9249% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.2448% | 4,243 |
| Noncurrent loans to loans | 0.4383% | 3,524 |
| Net loans and leases to total assets | 55.3422% | 4,221 |
| Net loans and leases to deposits | 70.2183% | 3,772 |
| Net loans and leases to core deposits | 71.4926% | 4,030 |
| Total domestic deposits to total assets | 78.8145% | 4,858 |
| Equity capital to assets | 10.0716% | 3,667 |
| Core capital (leverage) ratio | 10.1011% | 3,373 |
| Tier 1 risk-based capital ratio | 17.4161% | 2,059 |
| Total risk-based capital ratio | 18.4011% | 2,085 |
| Memoranda: |
| Average total assets | $202,538,500 | 2,966 |
| Average earning assets | $187,406,500 | 2,967 |
| Average equity | $19,834,000 | 3,188 |
| Average total loans | $112,078,000 | 3,219 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8965% | 3,582 |
| Cost of funding earning assets | 0.2936% | 4,139 |
| Net interest margin | 3.6029% | 3,059 |
| Noninterest income to average assets | 0.9476% | 1,269 |
| Noninterest expense to average assets | 3.4907% | 1,178 |
| Loan and lease loss provision to assets | 0.0620% | 3,130 |
| Net operating income to assets | 0.7254% | 3,665 |
| Return on assets (ROA) | 0.7686% | 3,560 |
| Pretax return on assets | 0.7826% | 4,236 |
| Return on Equity (ROE) | 7.3884% | 3,275 |
| Retained earnings to average equity (ytd only) | 5.9463% | 1,736 |
| Net charge-offs to loans | 0.0028% | 4,165 |
| Credit loss provision to net charge-offs | 4,133.3333% | 108 |
| Earnings coverage of net charge-offs (x) | 533.6667% | 157 |
| Efficiency ratio | 81.0534% | 1,298 |
| Assets per employee ($millions) | 3.7038% | 4,466 |
| Cash dividends to net income (ytd only)* | 19.5185% | 3,742 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0216% | 4,182 |
| Loan loss allowance to noncurrent loans | 384.1751% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.1458% | 4,729 |
| Noncurrent loans to loans | 0.2659% | 4,202 |
| Net loans and leases to total assets | 54.2654% | 4,425 |
| Net loans and leases to deposits | 70.7928% | 3,830 |
| Net loans and leases to core deposits | 71.6648% | 4,101 |
| Total domestic deposits to total assets | 76.6538% | 5,159 |
| Equity capital to assets | 9.5171% | 4,251 |
| Core capital (leverage) ratio | 10.0970% | 3,376 |
| Tier 1 risk-based capital ratio | 17.7271% | 1,933 |
| Total risk-based capital ratio | 18.8392% | 1,938 |
| Memoranda: |
| Average total assets | $199,985,800 | 2,957 |
| Average earning assets | $185,602,000 | 2,944 |
| Average equity | $20,802,800 | 3,086 |
| Average total loans | $106,533,600 | 3,265 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8966% | 3,595 |
| Cost of funding earning assets | 0.2958% | 4,148 |
| Net interest margin | 3.6008% | 3,073 |
| Noninterest income to average assets | 0.8821% | 1,464 |
| Noninterest expense to average assets | 3.4750% | 1,195 |
| Loan and lease loss provision to assets | 0.0596% | 3,064 |
| Net operating income to assets | 0.6876% | 3,920 |
| Return on assets (ROA) | 0.7408% | 3,772 |
| Pretax return on assets | 0.7529% | 4,465 |
| Return on Equity (ROE) | 6.9700% | 3,576 |
| Retained earnings to average equity (ytd only) | 6.9700% | 1,642 |
| Net charge-offs to loans | -0.0038% | 4,567 |
| Credit loss provision to net charge-offs | -2,966.6667% | 5,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6930% | 1,229 |
| Assets per employee ($millions) | 3.7017% | 4,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0075% | 4,358 |
| Loan loss allowance to noncurrent loans | 335.9517% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.1626% | 4,780 |
| Noncurrent loans to loans | 0.2999% | 4,176 |
| Net loans and leases to total assets | 53.6686% | 4,520 |
| Net loans and leases to deposits | 70.0799% | 3,978 |
| Net loans and leases to core deposits | 70.9425% | 4,253 |
| Total domestic deposits to total assets | 76.5821% | 5,153 |
| Equity capital to assets | 10.7730% | 3,279 |
| Core capital (leverage) ratio | 10.0472% | 3,509 |
| Tier 1 risk-based capital ratio | 17.7420% | 1,993 |
| Total risk-based capital ratio | 18.8369% | 2,008 |
| Memoranda: |
| Average total assets | $199,055,250 | 2,973 |
| Average earning assets | $185,251,500 | 2,964 |
| Average equity | $21,156,750 | 3,073 |
| Average total loans | $105,246,000 | 3,298 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9672% | 3,358 |
| Cost of funding earning assets | 0.3021% | 4,103 |
| Net interest margin | 3.6651% | 2,840 |
| Noninterest income to average assets | 0.8768% | 1,449 |
| Noninterest expense to average assets | 3.4656% | 1,230 |
| Loan and lease loss provision to assets | 0.0567% | 3,007 |
| Net operating income to assets | 0.7573% | 3,517 |
| Return on assets (ROA) | 0.7573% | 3,665 |
| Pretax return on assets | 0.7695% | 4,392 |
| Return on Equity (ROE) | 7.1586% | 3,457 |
| Retained earnings to average equity (ytd only) | 7.1586% | 1,526 |
| Net charge-offs to loans | -0.0174% | 4,892 |
| Credit loss provision to net charge-offs | -622.2222% | 4,992 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7502% | 1,409 |
| Assets per employee ($millions) | 3.8404% | 4,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9952% | 4,563 |
| Loan loss allowance to noncurrent loans | 298.0769% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.1975% | 4,695 |
| Noncurrent loans to loans | 0.3339% | 4,169 |
| Net loans and leases to total assets | 53.0299% | 4,584 |
| Net loans and leases to deposits | 66.5633% | 4,300 |
| Net loans and leases to core deposits | 67.3491% | 4,523 |
| Total domestic deposits to total assets | 79.6684% | 4,635 |
| Equity capital to assets | 10.8391% | 3,246 |
| Core capital (leverage) ratio | 10.1411% | 3,399 |
| Tier 1 risk-based capital ratio | 17.4048% | 2,096 |
| Total risk-based capital ratio | 18.4749% | 2,114 |
| Memoranda: |
| Average total assets | $197,543,000 | 3,007 |
| Average earning assets | $184,058,330 | 2,999 |
| Average equity | $20,898,000 | 3,107 |
| Average total loans | $103,535,670 | 3,351 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9808% | 3,285 |
| Cost of funding earning assets | 0.3042% | 4,114 |
| Net interest margin | 3.6766% | 2,776 |
| Noninterest income to average assets | 0.8636% | 1,401 |
| Noninterest expense to average assets | 3.4501% | 1,279 |
| Loan and lease loss provision to assets | 0.0555% | 2,836 |
| Net operating income to assets | 0.7751% | 3,373 |
| Return on assets (ROA) | 0.7751% | 3,473 |
| Pretax return on assets | 0.7875% | 4,237 |
| Return on Equity (ROE) | 7.4227% | 3,229 |
| Retained earnings to average equity (ytd only) | 7.4227% | 1,697 |
| Net charge-offs to loans | -0.0198% | 4,849 |
| Credit loss provision to net charge-offs | -540.0000% | 4,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3640% | 1,563 |
| Assets per employee ($millions) | 3.7429% | 4,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0619% | 4,274 |
| Loan loss allowance to noncurrent loans | 146.5181% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.3884% | 4,033 |
| Noncurrent loans to loans | 0.7247% | 3,024 |
| Net loans and leases to total assets | 50.3612% | 4,774 |
| Net loans and leases to deposits | 61.2689% | 4,631 |
| Net loans and leases to core deposits | 62.0006% | 4,818 |
| Total domestic deposits to total assets | 82.1970% | 4,153 |
| Equity capital to assets | 10.6900% | 3,272 |
| Core capital (leverage) ratio | 10.0770% | 3,442 |
| Tier 1 risk-based capital ratio | 18.3535% | 1,896 |
| Total risk-based capital ratio | 19.4725% | 1,892 |
| Memoranda: |
| Average total assets | $194,544,500 | 3,052 |
| Average earning assets | $181,470,500 | 3,034 |
| Average equity | $20,316,000 | 3,163 |
| Average total loans | $100,792,500 | 3,407 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7437% | 4,220 |
| Cost of funding earning assets | 0.3131% | 4,096 |
| Net interest margin | 3.4306% | 3,793 |
| Noninterest income to average assets | 1.0427% | 1,087 |
| Noninterest expense to average assets | 3.4381% | 1,416 |
| Loan and lease loss provision to assets | 0.0570% | 3,170 |
| Net operating income to assets | 0.7410% | 3,615 |
| Return on assets (ROA) | 0.7669% | 3,569 |
| Pretax return on assets | 0.7770% | 4,272 |
| Return on Equity (ROE) | 7.5503% | 3,218 |
| Retained earnings to average equity (ytd only) | 5.1908% | 2,287 |
| Net charge-offs to loans | 0.0149% | 3,995 |
| Credit loss provision to net charge-offs | 764.2857% | 436 |
| Earnings coverage of net charge-offs (x) | 108.3571% | 543 |
| Efficiency ratio | 80.9733% | 1,539 |
| Assets per employee ($millions) | 3.6011% | 4,637 |
| Cash dividends to net income (ytd only)* | 31.2500% | 3,278 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9950% | 4,650 |
| Loan loss allowance to noncurrent loans | 130.2682% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 0.4222% | 3,917 |
| Noncurrent loans to loans | 0.7638% | 2,890 |
| Net loans and leases to total assets | 52.1935% | 4,677 |
| Net loans and leases to deposits | 65.9118% | 4,322 |
| Net loans and leases to core deposits | 66.8852% | 4,517 |
| Total domestic deposits to total assets | 79.1869% | 4,942 |
| Equity capital to assets | 10.1955% | 3,755 |
| Core capital (leverage) ratio | 10.1686% | 3,296 |
| Tier 1 risk-based capital ratio | 17.8089% | 2,022 |
| Total risk-based capital ratio | 18.8844% | 2,031 |
| Memoranda: |
| Average total assets | $187,780,400 | 3,079 |
| Average earning assets | $175,333,400 | 3,049 |
| Average equity | $19,072,200 | 3,255 |
| Average total loans | $93,654,600 | 3,514 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7653% | 4,199 |
| Cost of funding earning assets | 0.3218% | 4,082 |
| Net interest margin | 3.4436% | 3,777 |
| Noninterest income to average assets | 1.0954% | 1,005 |
| Noninterest expense to average assets | 3.4058% | 1,472 |
| Loan and lease loss provision to assets | 0.0566% | 3,056 |
| Net operating income to assets | 0.8435% | 3,199 |
| Return on assets (ROA) | 0.8704% | 3,169 |
| Pretax return on assets | 0.8805% | 4,050 |
| Return on Equity (ROE) | 8.5786% | 2,783 |
| Retained earnings to average equity (ytd only) | 5.4013% | 2,645 |
| Net charge-offs to loans | -0.0015% | 4,677 |
| Credit loss provision to net charge-offs | -7,900.0000% | 5,720 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9177% | 1,820 |
| Assets per employee ($millions) | 3.7376% | 4,378 |
| Cash dividends to net income (ytd only)* | 37.0373% | 2,465 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9442% | 5,000 |
| Loan loss allowance to noncurrent loans | 119.6185% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 0.4238% | 4,076 |
| Noncurrent loans to loans | 0.7893% | 2,988 |
| Net loans and leases to total assets | 49.2878% | 4,987 |
| Net loans and leases to deposits | 59.5476% | 4,889 |
| Net loans and leases to core deposits | 60.4222% | 5,036 |
| Total domestic deposits to total assets | 82.7704% | 3,892 |
| Equity capital to assets | 10.2177% | 3,908 |
| Core capital (leverage) ratio | 9.7631% | 3,946 |
| Tier 1 risk-based capital ratio | 18.1352% | 1,995 |
| Total risk-based capital ratio | 19.1468% | 2,021 |
| Memoranda: |
| Average total assets | $186,110,750 | 3,124 |
| Average earning assets | $174,039,250 | 3,087 |
| Average equity | $18,883,750 | 3,306 |
| Average total loans | $91,439,500 | 3,594 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7852% | 4,113 |
| Cost of funding earning assets | 0.3364% | 3,968 |
| Net interest margin | 3.4488% | 3,714 |
| Noninterest income to average assets | 1.1848% | 866 |
| Noninterest expense to average assets | 3.3317% | 1,626 |
| Loan and lease loss provision to assets | 0.0549% | 3,014 |
| Net operating income to assets | 1.0105% | 2,336 |
| Return on assets (ROA) | 1.0148% | 2,426 |
| Pretax return on assets | 1.0245% | 3,480 |
| Return on Equity (ROE) | 10.0248% | 2,057 |
| Retained earnings to average equity (ytd only) | 6.7293% | 1,828 |
| Net charge-offs to loans | 0.0154% | 3,403 |
| Credit loss provision to net charge-offs | 728.5714% | 468 |
| Earnings coverage of net charge-offs (x) | 142.7143% | 445 |
| Efficiency ratio | 75.6044% | 2,433 |
| Assets per employee ($millions) | 3.6179% | 4,591 |
| Cash dividends to net income (ytd only)* | 32.8738% | 2,707 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9291% | 5,184 |
| Loan loss allowance to noncurrent loans | 169.7581% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.3120% | 4,630 |
| Noncurrent loans to loans | 0.5473% | 3,813 |
| Net loans and leases to total assets | 47.7239% | 5,130 |
| Net loans and leases to deposits | 56.0944% | 5,112 |
| Net loans and leases to core deposits | 57.0054% | 5,256 |
| Total domestic deposits to total assets | 85.0779% | 3,092 |
| Equity capital to assets | 9.8203% | 4,253 |
| Core capital (leverage) ratio | 9.4960% | 4,290 |
| Tier 1 risk-based capital ratio | 18.4903% | 1,925 |
| Total risk-based capital ratio | 19.4924% | 1,960 |
| Memoranda: |
| Average total assets | $185,853,670 | 3,150 |
| Average earning assets | $173,623,670 | 3,112 |
| Average equity | $18,813,330 | 3,334 |
| Average total loans | $90,923,330 | 3,614 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8228% | 3,914 |
| Cost of funding earning assets | 0.3412% | 3,973 |
| Net interest margin | 3.4816% | 3,505 |
| Noninterest income to average assets | 1.4119% | 587 |
| Noninterest expense to average assets | 3.3024% | 1,716 |
| Loan and lease loss provision to assets | 0.0541% | 2,858 |
| Net operating income to assets | 1.2993% | 1,278 |
| Return on assets (ROA) | 1.2993% | 1,364 |
| Pretax return on assets | 1.3036% | 2,268 |
| Return on Equity (ROE) | 12.6432% | 1,178 |
| Retained earnings to average equity (ytd only) | 8.8503% | 1,254 |
| Net charge-offs to loans | 0.0395% | 2,429 |
| Credit loss provision to net charge-offs | 277.7778% | 857 |
| Earnings coverage of net charge-offs (x) | 69.6667% | 647 |
| Efficiency ratio | 70.8643% | 3,343 |
| Assets per employee ($millions) | 3.7334% | 4,455 |
| Cash dividends to net income (ytd only)* | 30.0000% | 2,343 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9201% | 5,374 |
| Loan loss allowance to noncurrent loans | 162.1514% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.3525% | 4,596 |
| Noncurrent loans to loans | 0.5674% | 3,882 |
| Net loans and leases to total assets | 46.9574% | 5,123 |
| Net loans and leases to deposits | 55.1470% | 5,111 |
| Net loans and leases to core deposits | 56.0483% | 5,247 |
| Total domestic deposits to total assets | 85.1496% | 3,334 |
| Equity capital to assets | 10.3633% | 3,699 |
| Core capital (leverage) ratio | 9.7188% | 3,990 |
| Tier 1 risk-based capital ratio | 17.3406% | 2,364 |
| Total risk-based capital ratio | 18.2646% | 2,429 |
| Memoranda: |
| Average total assets | $184,715,500 | 3,181 |
| Average earning assets | $172,332,500 | 3,147 |
| Average equity | $18,982,500 | 3,342 |
| Average total loans | $91,072,500 | 3,627 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6441% | 4,951 |
| Cost of funding earning assets | 0.3910% | 3,779 |
| Net interest margin | 3.2531% | 4,740 |
| Noninterest income to average assets | 1.1396% | 934 |
| Noninterest expense to average assets | 3.3588% | 1,785 |
| Loan and lease loss provision to assets | 0.0594% | 3,344 |
| Net operating income to assets | 0.7490% | 3,636 |
| Return on assets (ROA) | 0.7513% | 3,724 |
| Pretax return on assets | 0.7591% | 4,405 |
| Return on Equity (ROE) | 7.1420% | 3,551 |
| Retained earnings to average equity (ytd only) | 4.9173% | 2,661 |
| Net charge-offs to loans | 0.0354% | 4,124 |
| Credit loss provision to net charge-offs | 330.0000% | 795 |
| Earnings coverage of net charge-offs (x) | 45.3333% | 995 |
| Efficiency ratio | 80.4513% | 1,857 |
| Assets per employee ($millions) | 3.8886% | 4,194 |
| Cash dividends to net income (ytd only)* | 31.1502% | 3,339 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8519% | 5,631 |
| Loan loss allowance to noncurrent loans | 146.9613% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 0.4355% | 4,368 |
| Noncurrent loans to loans | 0.5797% | 3,932 |
| Net loans and leases to total assets | 50.8191% | 4,887 |
| Net loans and leases to deposits | 59.7332% | 4,926 |
| Net loans and leases to core deposits | 60.7296% | 5,083 |
| Total domestic deposits to total assets | 85.0768% | 3,256 |
| Equity capital to assets | 10.1881% | 3,869 |
| Core capital (leverage) ratio | 9.5007% | 4,236 |
| Tier 1 risk-based capital ratio | 17.0913% | 2,477 |
| Total risk-based capital ratio | 18.0160% | 2,568 |
| Memoranda: |
| Average total assets | $166,638,200 | 3,383 |
| Average earning assets | $155,483,400 | 3,353 |
| Average equity | $17,530,000 | 3,450 |
| Average total loans | $84,760,600 | 3,747 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5747% | 5,213 |
| Cost of funding earning assets | 0.3938% | 3,859 |
| Net interest margin | 3.1809% | 5,025 |
| Noninterest income to average assets | 0.9331% | 1,413 |
| Noninterest expense to average assets | 3.3938% | 1,685 |
| Loan and lease loss provision to assets | 0.0607% | 3,151 |
| Net operating income to assets | 0.4403% | 5,110 |
| Return on assets (ROA) | 0.4436% | 5,176 |
| Pretax return on assets | 0.4493% | 5,469 |
| Return on Equity (ROE) | 4.1797% | 5,096 |
| Retained earnings to average equity (ytd only) | 2.4028% | 4,856 |
| Net charge-offs to loans | 0.0533% | 3,452 |
| Credit loss provision to net charge-offs | 224.2424% | 1,160 |
| Earnings coverage of net charge-offs (x) | 18.7268% | 1,825 |
| Efficiency ratio | 87.0086% | 1,094 |
| Assets per employee ($millions) | 3.8045% | 4,277 |
| Cash dividends to net income (ytd only)* | 42.5137% | 2,233 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8126% | 5,843 |
| Loan loss allowance to noncurrent loans | 120.8791% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 0.5120% | 4,348 |
| Noncurrent loans to loans | 0.6722% | 3,928 |
| Net loans and leases to total assets | 51.4678% | 4,858 |
| Net loans and leases to deposits | 61.2967% | 4,816 |
| Net loans and leases to core deposits | 62.3325% | 5,018 |
| Total domestic deposits to total assets | 83.9652% | 3,784 |
| Equity capital to assets | 9.7287% | 4,516 |
| Core capital (leverage) ratio | 10.3122% | 3,277 |
| Tier 1 risk-based capital ratio | 16.6020% | 2,765 |
| Total risk-based capital ratio | 17.5124% | 2,878 |
| Memoranda: |
| Average total assets | $162,607,250 | 3,480 |
| Average earning assets | $151,693,250 | 3,437 |
| Average equity | $17,257,500 | 3,504 |
| Average total loans | $82,531,750 | 3,832 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6865% | 4,904 |
| Cost of funding earning assets | 0.4101% | 3,773 |
| Net interest margin | 3.2764% | 4,676 |
| Noninterest income to average assets | 0.9183% | 1,432 |
| Noninterest expense to average assets | 3.4898% | 1,497 |
| Loan and lease loss provision to assets | 0.0616% | 3,033 |
| Net operating income to assets | 0.4259% | 5,111 |
| Return on assets (ROA) | 0.4309% | 5,179 |
| Pretax return on assets | 0.4361% | 5,462 |
| Return on Equity (ROE) | 3.9326% | 5,177 |
| Retained earnings to average equity (ytd only) | 2.8792% | 4,369 |
| Net charge-offs to loans | 0.0204% | 3,807 |
| Credit loss provision to net charge-offs | 600.0000% | 498 |
| Earnings coverage of net charge-offs (x) | 48.0000% | 932 |
| Efficiency ratio | 87.6329% | 1,119 |
| Assets per employee ($millions) | 3.6097% | 4,636 |
| Cash dividends to net income (ytd only)* | 26.7857% | 2,918 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9687% | 5,490 |
| Loan loss allowance to noncurrent loans | 163.9659% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.3595% | 4,947 |
| Noncurrent loans to loans | 0.5908% | 4,252 |
| Net loans and leases to total assets | 50.6468% | 4,894 |
| Net loans and leases to deposits | 62.3415% | 4,661 |
| Net loans and leases to core deposits | 63.4239% | 4,868 |
| Total domestic deposits to total assets | 81.2410% | 4,905 |
| Equity capital to assets | 11.3468% | 2,557 |
| Core capital (leverage) ratio | 10.9257% | 2,502 |
| Tier 1 risk-based capital ratio | 20.0292% | 1,677 |
| Total risk-based capital ratio | 20.9436% | 1,730 |
| Memoranda: |
| Average total assets | $155,938,000 | 3,594 |
| Average earning assets | $145,829,330 | 3,569 |
| Average equity | $17,088,000 | 3,536 |
| Average total loans | $78,456,330 | 3,958 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6464% | 5,020 |
| Cost of funding earning assets | 0.4073% | 3,876 |
| Net interest margin | 3.2391% | 4,781 |
| Noninterest income to average assets | 0.8804% | 1,452 |
| Noninterest expense to average assets | 3.4652% | 1,559 |
| Loan and lease loss provision to assets | 0.0563% | 2,987 |
| Net operating income to assets | 0.3916% | 5,150 |
| Return on assets (ROA) | 0.4018% | 5,175 |
| Pretax return on assets | 0.4018% | 5,450 |
| Return on Equity (ROE) | 3.7323% | 5,158 |
| Retained earnings to average equity (ytd only) | 2.5437% | 4,542 |
| Net charge-offs to loans | 0.0359% | 2,887 |
| Credit loss provision to net charge-offs | 314.2857% | 776 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 1,166 |
| Efficiency ratio | 88.5546% | 1,170 |
| Assets per employee ($millions) | 3.6005% | 4,719 |
| Cash dividends to net income (ytd only)* | 31.8471% | 2,240 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9644% | 5,653 |
| Loan loss allowance to noncurrent loans | 153.7190% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 0.3701% | 5,049 |
| Noncurrent loans to loans | 0.6273% | 4,298 |
| Net loans and leases to total assets | 49.3512% | 4,965 |
| Net loans and leases to deposits | 62.1344% | 4,526 |
| Net loans and leases to core deposits | 63.2395% | 4,762 |
| Total domestic deposits to total assets | 79.4266% | 5,608 |
| Equity capital to assets | 11.0521% | 2,679 |
| Core capital (leverage) ratio | 10.7746% | 2,626 |
| Tier 1 risk-based capital ratio | 20.3125% | 1,646 |
| Total risk-based capital ratio | 21.2170% | 1,699 |
| Memoranda: |
| Average total assets | $156,299,000 | 3,621 |
| Average earning assets | $146,335,500 | 3,583 |
| Average equity | $16,826,000 | 3,572 |
| Average total loans | $77,994,000 | 3,994 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6361% | 5,316 |
| Cost of funding earning assets | 0.4512% | 4,096 |
| Net interest margin | 3.1849% | 5,047 |
| Noninterest income to average assets | 1.0004% | 1,395 |
| Noninterest expense to average assets | 3.5664% | 1,517 |
| Loan and lease loss provision to assets | 0.0713% | 3,694 |
| Net operating income to assets | 0.3311% | 5,408 |
| Return on assets (ROA) | 0.3317% | 5,517 |
| Pretax return on assets | 0.3422% | 5,623 |
| Return on Equity (ROE) | 2.8895% | 5,549 |
| Retained earnings to average equity (ytd only) | 1.7496% | 4,985 |
| Net charge-offs to loans | 0.0639% | 4,315 |
| Credit loss provision to net charge-offs | 231.9149% | 989 |
| Earnings coverage of net charge-offs (x) | 13.4255% | 2,026 |
| Efficiency ratio | 89.6251% | 1,055 |
| Assets per employee ($millions) | 3.4299% | 5,020 |
| Cash dividends to net income (ytd only)* | 39.4477% | 2,835 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9247% | 5,843 |
| Loan loss allowance to noncurrent loans | 88.3636% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 0.5793% | 4,500 |
| Noncurrent loans to loans | 1.0464% | 3,417 |
| Net loans and leases to total assets | 49.5059% | 5,135 |
| Net loans and leases to deposits | 62.2829% | 4,692 |
| Net loans and leases to core deposits | 63.3678% | 4,930 |
| Total domestic deposits to total assets | 79.4856% | 5,555 |
| Equity capital to assets | 10.4838% | 3,183 |
| Core capital (leverage) ratio | 10.7196% | 2,657 |
| Tier 1 risk-based capital ratio | 19.4032% | 1,820 |
| Total risk-based capital ratio | 20.2553% | 1,881 |
| Memoranda: |
| Average total assets | $152,843,000 | 3,659 |
| Average earning assets | $142,954,000 | 3,620 |
| Average equity | $17,546,400 | 3,489 |
| Average total loans | $73,527,400 | 4,148 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6095% | 5,414 |
| Cost of funding earning assets | 0.4562% | 4,200 |
| Net interest margin | 3.1533% | 5,141 |
| Noninterest income to average assets | 1.0025% | 1,445 |
| Noninterest expense to average assets | 3.5397% | 1,524 |
| Loan and lease loss provision to assets | 0.0712% | 3,643 |
| Net operating income to assets | 0.3289% | 5,497 |
| Return on assets (ROA) | 0.3289% | 5,627 |
| Pretax return on assets | 0.3395% | 5,777 |
| Return on Equity (ROE) | 2.8018% | 5,679 |
| Retained earnings to average equity (ytd only) | 1.6781% | 5,300 |
| Net charge-offs to loans | 0.0720% | 3,905 |
| Credit loss provision to net charge-offs | 207.6923% | 1,165 |
| Earnings coverage of net charge-offs (x) | 11.9740% | 2,185 |
| Efficiency ratio | 89.6037% | 1,034 |
| Assets per employee ($millions) | 3.3978% | 5,069 |
| Cash dividends to net income (ytd only)* | 40.1083% | 2,276 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9365% | 5,957 |
| Loan loss allowance to noncurrent loans | 79.1295% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 0.6442% | 4,506 |
| Noncurrent loans to loans | 1.1834% | 3,452 |
| Net loans and leases to total assets | 49.0533% | 5,243 |
| Net loans and leases to deposits | 63.9938% | 4,523 |
| Net loans and leases to core deposits | 65.1863% | 4,780 |
| Total domestic deposits to total assets | 76.6532% | 6,095 |
| Equity capital to assets | 10.9203% | 2,840 |
| Core capital (leverage) ratio | 10.7747% | 2,697 |
| Tier 1 risk-based capital ratio | 19.9809% | 1,744 |
| Total risk-based capital ratio | 20.8385% | 1,805 |
| Memoranda: |
| Average total assets | $151,609,500 | 3,712 |
| Average earning assets | $141,732,000 | 3,676 |
| Average equity | $17,797,750 | 3,492 |
| Average total loans | $72,199,750 | 4,220 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5697% | 5,528 |
| Cost of funding earning assets | 0.4565% | 4,356 |
| Net interest margin | 3.1133% | 5,236 |
| Noninterest income to average assets | 1.0319% | 1,431 |
| Noninterest expense to average assets | 3.5732% | 1,458 |
| Loan and lease loss provision to assets | 0.0701% | 3,633 |
| Net operating income to assets | 0.2937% | 5,620 |
| Return on assets (ROA) | 0.2937% | 5,766 |
| Pretax return on assets | 0.3030% | 5,875 |
| Return on Equity (ROE) | 2.4443% | 5,816 |
| Retained earnings to average equity (ytd only) | 1.3433% | 5,352 |
| Net charge-offs to loans | 0.1154% | 3,208 |
| Credit loss provision to net charge-offs | 129.2683% | 1,748 |
| Earnings coverage of net charge-offs (x) | 6.8780% | 2,636 |
| Efficiency ratio | 90.5464% | 1,023 |
| Assets per employee ($millions) | 3.2876% | 5,295 |
| Cash dividends to net income (ytd only)* | 45.0450% | 2,055 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9487% | 5,995 |
| Loan loss allowance to noncurrent loans | 67.9000% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 0.7366% | 4,374 |
| Noncurrent loans to loans | 1.3972% | 3,202 |
| Net loans and leases to total assets | 46.8776% | 5,438 |
| Net loans and leases to deposits | 58.7436% | 5,096 |
| Net loans and leases to core deposits | 59.8051% | 5,276 |
| Total domestic deposits to total assets | 79.8003% | 5,651 |
| Equity capital to assets | 11.3734% | 2,407 |
| Core capital (leverage) ratio | 10.8697% | 2,483 |
| Tier 1 risk-based capital ratio | 21.0368% | 1,482 |
| Total risk-based capital ratio | 21.9070% | 1,546 |
| Memoranda: |
| Average total assets | $151,179,670 | 3,743 |
| Average earning assets | $141,523,330 | 3,702 |
| Average equity | $18,164,670 | 3,449 |
| Average total loans | $71,029,330 | 4,276 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5459% | 5,589 |
| Cost of funding earning assets | 0.4556% | 4,533 |
| Net interest margin | 3.0903% | 5,298 |
| Noninterest income to average assets | 1.0294% | 1,399 |
| Noninterest expense to average assets | 3.5804% | 1,454 |
| Loan and lease loss provision to assets | 0.0635% | 3,569 |
| Net operating income to assets | 0.2673% | 5,673 |
| Return on assets (ROA) | 0.2673% | 5,795 |
| Pretax return on assets | 0.2752% | 5,909 |
| Return on Equity (ROE) | 2.1666% | 5,881 |
| Retained earnings to average equity (ytd only) | 1.0940% | 5,416 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3572% | 1,039 |
| Assets per employee ($millions) | 3.3922% | 5,227 |
| Cash dividends to net income (ytd only)* | 49.5050% | 1,592 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9841% | 6,038 |
| Loan loss allowance to noncurrent loans | 71.4581% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 0.7082% | 4,604 |
| Noncurrent loans to loans | 1.3771% | 3,500 |
| Net loans and leases to total assets | 45.5479% | 5,481 |
| Net loans and leases to deposits | 57.1993% | 5,116 |
| Net loans and leases to core deposits | 59.3202% | 5,212 |
| Total domestic deposits to total assets | 79.6303% | 5,834 |
| Equity capital to assets | 12.1351% | 1,949 |
| Core capital (leverage) ratio | 11.1580% | 2,128 |
| Tier 1 risk-based capital ratio | 21.1465% | 1,502 |
| Total risk-based capital ratio | 22.0405% | 1,561 |
| Memoranda: |
| Average total assets | $151,154,500 | 3,785 |
| Average earning assets | $141,347,500 | 3,741 |
| Average equity | $18,647,000 | 3,431 |
| Average total loans | $70,758,000 | 4,321 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8739% | 5,652 |
| Cost of funding earning assets | 0.5982% | 4,374 |
| Net interest margin | 3.2757% | 5,338 |
| Noninterest income to average assets | 1.1593% | 1,162 |
| Noninterest expense to average assets | 3.5981% | 1,615 |
| Loan and lease loss provision to assets | 0.0941% | 4,494 |
| Net operating income to assets | 0.5050% | 4,673 |
| Return on assets (ROA) | 0.5803% | 4,591 |
| Pretax return on assets | 0.5845% | 5,040 |
| Return on Equity (ROE) | 4.5877% | 4,889 |
| Retained earnings to average equity (ytd only) | 3.7948% | 3,540 |
| Net charge-offs to loans | -0.0016% | 6,319 |
| Credit loss provision to net charge-offs | -13,600.0000% | 6,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6578% | 1,462 |
| Assets per employee ($millions) | 3.4014% | 5,213 |
| Cash dividends to net income (ytd only)* | 17.2825% | 3,848 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9355% | 6,176 |
| Loan loss allowance to noncurrent loans | 115.3979% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 0.4624% | 5,323 |
| Noncurrent loans to loans | 0.8107% | 4,563 |
| Net loans and leases to total assets | 47.1933% | 5,491 |
| Net loans and leases to deposits | 58.9916% | 5,127 |
| Net loans and leases to core deposits | 61.3816% | 5,223 |
| Total domestic deposits to total assets | 80.0001% | 5,665 |
| Equity capital to assets | 12.5417% | 1,678 |
| Core capital (leverage) ratio | 11.2338% | 2,062 |
| Tier 1 risk-based capital ratio | 20.5124% | 1,559 |
| Total risk-based capital ratio | 21.3521% | 1,622 |
| Memoranda: |
| Average total assets | $144,574,400 | 3,871 |
| Average earning assets | $134,232,200 | 3,821 |
| Average equity | $18,288,200 | 3,431 |
| Average total loans | $63,660,000 | 4,577 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8898% | 5,812 |
| Cost of funding earning assets | 0.6278% | 4,385 |
| Net interest margin | 3.2621% | 5,508 |
| Noninterest income to average assets | 1.1202% | 1,199 |
| Noninterest expense to average assets | 3.6798% | 1,398 |
| Loan and lease loss provision to assets | 0.0568% | 5,025 |
| Net operating income to assets | 0.4085% | 5,214 |
| Return on assets (ROA) | 0.5099% | 5,069 |
| Pretax return on assets | 0.5127% | 5,427 |
| Return on Equity (ROE) | 4.0217% | 5,284 |
| Retained earnings to average equity (ytd only) | 3.2878% | 4,558 |
| Net charge-offs to loans | 0.0022% | 5,744 |
| Credit loss provision to net charge-offs | 6,100.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 503.2481% | 86 |
| Efficiency ratio | 88.7368% | 1,131 |
| Assets per employee ($millions) | 3.3139% | 5,412 |
| Cash dividends to net income (ytd only)* | 18.2481% | 3,125 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8815% | 6,425 |
| Loan loss allowance to noncurrent loans | 116.8317% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 0.4245% | 5,623 |
| Noncurrent loans to loans | 0.7545% | 4,909 |
| Net loans and leases to total assets | 45.4969% | 5,817 |
| Net loans and leases to deposits | 57.9409% | 5,437 |
| Net loans and leases to core deposits | 60.2609% | 5,529 |
| Total domestic deposits to total assets | 78.5230% | 5,958 |
| Equity capital to assets | 12.8597% | 1,676 |
| Core capital (leverage) ratio | 11.2099% | 2,204 |
| Tier 1 risk-based capital ratio | 20.8901% | 1,552 |
| Total risk-based capital ratio | 21.6581% | 1,623 |
| Memoranda: |
| Average total assets | $143,302,750 | 3,933 |
| Average earning assets | $132,958,750 | 3,882 |
| Average equity | $18,167,750 | 3,479 |
| Average total loans | $61,750,750 | 4,696 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8744% | 5,973 |
| Cost of funding earning assets | 0.6624% | 4,346 |
| Net interest margin | 3.2120% | 5,699 |
| Noninterest income to average assets | 1.0599% | 1,287 |
| Noninterest expense to average assets | 3.6556% | 1,458 |
| Loan and lease loss provision to assets | 0.0477% | 5,081 |
| Net operating income to assets | 0.3299% | 5,501 |
| Return on assets (ROA) | 0.4843% | 5,139 |
| Pretax return on assets | 0.4857% | 5,482 |
| Return on Equity (ROE) | 3.8390% | 5,339 |
| Retained earnings to average equity (ytd only) | 3.3939% | 4,342 |
| Net charge-offs to loans | 0.0067% | 5,393 |
| Credit loss provision to net charge-offs | 1,700.0000% | 189 |
| Earnings coverage of net charge-offs (x) | 135.0000% | 331 |
| Efficiency ratio | 90.6054% | 1,027 |
| Assets per employee ($millions) | 3.3950% | 5,223 |
| Cash dividends to net income (ytd only)* | 11.5942% | 3,251 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8883% | 6,492 |
| Loan loss allowance to noncurrent loans | 110.1961% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 0.4411% | 5,679 |
| Noncurrent loans to loans | 0.8061% | 4,896 |
| Net loans and leases to total assets | 42.9543% | 6,114 |
| Net loans and leases to deposits | 54.1905% | 5,848 |
| Net loans and leases to core deposits | 56.3406% | 5,913 |
| Total domestic deposits to total assets | 79.2654% | 5,908 |
| Equity capital to assets | 12.5583% | 1,778 |
| Core capital (leverage) ratio | 11.2815% | 2,059 |
| Tier 1 risk-based capital ratio | 21.9112% | 1,313 |
| Total risk-based capital ratio | 22.6854% | 1,375 |
| Memoranda: |
| Average total assets | $142,466,330 | 3,960 |
| Average earning assets | $131,942,000 | 3,923 |
| Average equity | $17,973,330 | 3,503 |
| Average total loans | $60,024,330 | 4,791 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9051% | 6,004 |
| Cost of funding earning assets | 0.7386% | 3,961 |
| Net interest margin | 3.1666% | 5,857 |
| Noninterest income to average assets | 0.9808% | 1,479 |
| Noninterest expense to average assets | 3.8690% | 1,106 |
| Loan and lease loss provision to assets | 0.0540% | 4,735 |
| Net operating income to assets | -0.0165% | 6,444 |
| Return on assets (ROA) | 0.2900% | 5,856 |
| Pretax return on assets | 0.2956% | 5,988 |
| Return on Equity (ROE) | 2.2930% | 5,974 |
| Retained earnings to average equity (ytd only) | 2.2930% | 5,110 |
| Net charge-offs to loans | 0.0342% | 4,215 |
| Credit loss provision to net charge-offs | 380.0000% | 812 |
| Earnings coverage of net charge-offs (x) | 2.6000% | 3,133 |
| Efficiency ratio | 99.0539% | 589 |
| Assets per employee ($millions) | 3.3114% | 5,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9081% | 6,513 |
| Loan loss allowance to noncurrent loans | 87.4598% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 0.5309% | 5,544 |
| Noncurrent loans to loans | 1.0383% | 4,613 |
| Net loans and leases to total assets | 41.6911% | 6,222 |
| Net loans and leases to deposits | 50.9387% | 6,079 |
| Net loans and leases to core deposits | 52.9487% | 6,131 |
| Total domestic deposits to total assets | 81.8456% | 5,349 |
| Equity capital to assets | 12.4271% | 1,773 |
| Core capital (leverage) ratio | 11.4952% | 1,898 |
| Tier 1 risk-based capital ratio | 22.7929% | 1,161 |
| Total risk-based capital ratio | 23.5825% | 1,211 |
| Memoranda: |
| Average total assets | $140,708,000 | 4,017 |
| Average earning assets | $129,983,500 | 3,988 |
| Average equity | $17,793,500 | 3,532 |
| Average total loans | $58,402,500 | 4,886 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1813% | 6,105 |
| Cost of funding earning assets | 0.9186% | 3,969 |
| Net interest margin | 3.2626% | 5,924 |
| Noninterest income to average assets | 0.9701% | 1,451 |
| Noninterest expense to average assets | 3.7232% | 1,493 |
| Loan and lease loss provision to assets | 0.0536% | 5,922 |
| Net operating income to assets | 0.1971% | 5,601 |
| Return on assets (ROA) | 0.3921% | 5,068 |
| Pretax return on assets | 0.3995% | 5,298 |
| Return on Equity (ROE) | 3.0819% | 5,251 |
| Retained earnings to average equity (ytd only) | -0.7272% | 5,967 |
| Net charge-offs to loans | 0.2161% | 4,436 |
| Credit loss provision to net charge-offs | 59.3496% | 5,185 |
| Earnings coverage of net charge-offs (x) | 2.8130% | 3,808 |
| Efficiency ratio | 93.6115% | 947 |
| Assets per employee ($millions) | 3.3101% | 5,487 |
| Cash dividends to net income (ytd only)* | 123.5955% | 202 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9315% | 6,457 |
| Loan loss allowance to noncurrent loans | 85.8995% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 0.5402% | 5,620 |
| Noncurrent loans to loans | 1.0844% | 4,544 |
| Net loans and leases to total assets | 40.5442% | 6,507 |
| Net loans and leases to deposits | 49.3997% | 6,408 |
| Net loans and leases to core deposits | 52.1019% | 6,423 |
| Total domestic deposits to total assets | 82.0739% | 5,107 |
| Equity capital to assets | 12.8695% | 1,561 |
| Core capital (leverage) ratio | 11.6192% | 1,808 |
| Tier 1 risk-based capital ratio | 23.0582% | 1,094 |
| Total risk-based capital ratio | 23.8415% | 1,129 |
| Memoranda: |
| Average total assets | $136,173,800 | 4,051 |
| Average earning assets | $125,512,200 | 4,023 |
| Average equity | $17,327,200 | 3,531 |
| Average total loans | $56,907,600 | 4,988 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2152% | 6,171 |
| Cost of funding earning assets | 0.9501% | 4,044 |
| Net interest margin | 3.2650% | 5,966 |
| Noninterest income to average assets | 0.9547% | 1,471 |
| Noninterest expense to average assets | 3.9046% | 1,146 |
| Loan and lease loss provision to assets | 0.0502% | 5,818 |
| Net operating income to assets | 0.0067% | 6,145 |
| Return on assets (ROA) | 0.2392% | 5,733 |
| Pretax return on assets | 0.2490% | 5,810 |
| Return on Equity (ROE) | 1.8852% | 5,816 |
| Retained earnings to average equity (ytd only) | -1.8386% | 6,276 |
| Net charge-offs to loans | 0.2858% | 3,658 |
| Credit loss provision to net charge-offs | 41.8033% | 5,203 |
| Earnings coverage of net charge-offs (x) | 0.4754% | 5,262 |
| Efficiency ratio | 98.5590% | 718 |
| Assets per employee ($millions) | 3.4196% | 5,201 |
| Cash dividends to net income (ytd only)* | 197.5308% | 66 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8875% | 6,638 |
| Loan loss allowance to noncurrent loans | 92.2101% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 0.5161% | 5,798 |
| Noncurrent loans to loans | 0.9625% | 4,961 |
| Net loans and leases to total assets | 41.5549% | 6,525 |
| Net loans and leases to deposits | 51.0898% | 6,438 |
| Net loans and leases to core deposits | 53.9555% | 6,463 |
| Total domestic deposits to total assets | 81.3369% | 5,317 |
| Equity capital to assets | 13.0864% | 1,572 |
| Core capital (leverage) ratio | 11.6457% | 1,922 |
| Tier 1 risk-based capital ratio | 22.0492% | 1,281 |
| Total risk-based capital ratio | 22.7738% | 1,335 |
| Memoranda: |
| Average total assets | $135,460,750 | 4,087 |
| Average earning assets | $124,753,000 | 4,067 |
| Average equity | $17,186,000 | 3,553 |
| Average total loans | $56,910,250 | 5,036 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2167% | 6,247 |
| Cost of funding earning assets | 0.9806% | 4,084 |
| Net interest margin | 3.2360% | 6,044 |
| Noninterest income to average assets | 0.9184% | 1,590 |
| Noninterest expense to average assets | 3.8587% | 1,267 |
| Loan and lease loss provision to assets | 0.0444% | 5,758 |
| Net operating income to assets | -0.0046% | 6,235 |
| Return on assets (ROA) | 0.3525% | 5,301 |
| Pretax return on assets | 0.3614% | 5,513 |
| Return on Equity (ROE) | 2.8086% | 5,475 |
| Retained earnings to average equity (ytd only) | -0.9677% | 6,043 |
| Net charge-offs to loans | 0.0916% | 4,754 |
| Credit loss provision to net charge-offs | 115.3846% | 2,652 |
| Earnings coverage of net charge-offs (x) | 1.0769% | 4,482 |
| Efficiency ratio | 98.9366% | 754 |
| Assets per employee ($millions) | 3.1067% | 5,867 |
| Cash dividends to net income (ytd only)* | 134.4538% | 236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0168% | 6,263 |
| Loan loss allowance to noncurrent loans | 64.8169% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 0.7897% | 5,317 |
| Noncurrent loans to loans | 1.5688% | 4,054 |
| Net loans and leases to total assets | 42.5558% | 6,559 |
| Net loans and leases to deposits | 51.6162% | 6,493 |
| Net loans and leases to core deposits | 54.5382% | 6,529 |
| Total domestic deposits to total assets | 82.4466% | 5,002 |
| Equity capital to assets | 13.0117% | 1,509 |
| Core capital (leverage) ratio | 11.5878% | 1,850 |
| Tier 1 risk-based capital ratio | 22.5447% | 1,185 |
| Total risk-based capital ratio | 23.3863% | 1,206 |
| Memoranda: |
| Average total assets | $135,020,000 | 4,126 |
| Average earning assets | $124,411,000 | 4,110 |
| Average equity | $16,948,000 | 3,576 |
| Average total loans | $56,764,000 | 5,091 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1833% | 6,317 |
| Cost of funding earning assets | 1.0073% | 4,153 |
| Net interest margin | 3.1760% | 6,146 |
| Noninterest income to average assets | 0.9577% | 1,442 |
| Noninterest expense to average assets | 3.7543% | 1,434 |
| Loan and lease loss provision to assets | 0.0442% | 5,445 |
| Net operating income to assets | 0.0726% | 6,169 |
| Return on assets (ROA) | 0.1945% | 5,860 |
| Pretax return on assets | 0.2063% | 5,926 |
| Return on Equity (ROE) | 1.5779% | 5,947 |
| Retained earnings to average equity (ytd only) | -2.2473% | 6,190 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8821% | 880 |
| Assets per employee ($millions) | 3.1709% | 5,793 |
| Cash dividends to net income (ytd only)* | 242.4242% | 138 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0540% | 6,211 |
| Loan loss allowance to noncurrent loans | 54.7378% | 4,719 |
| Noncurrent assets plus other real estate owned to assets | 0.9102% | 5,076 |
| Noncurrent loans to loans | 1.9256% | 3,666 |
| Net loans and leases to total assets | 40.9643% | 6,705 |
| Net loans and leases to deposits | 48.9424% | 6,693 |
| Net loans and leases to core deposits | 51.4172% | 6,706 |
| Total domestic deposits to total assets | 83.6991% | 4,624 |
| Equity capital to assets | 12.2121% | 1,785 |
| Core capital (leverage) ratio | 11.4531% | 1,873 |
| Tier 1 risk-based capital ratio | 21.6231% | 1,299 |
| Total risk-based capital ratio | 22.4462% | 1,332 |
| Memoranda: |
| Average total assets | $135,736,500 | 4,142 |
| Average earning assets | $124,686,000 | 4,127 |
| Average equity | $16,731,000 | 3,606 |
| Average total loans | $56,429,500 | 5,154 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5224% | 6,332 |
| Cost of funding earning assets | 1.1994% | 4,566 |
| Net interest margin | 3.3230% | 5,899 |
| Noninterest income to average assets | 1.0713% | 1,306 |
| Noninterest expense to average assets | 3.6663% | 1,778 |
| Loan and lease loss provision to assets | 0.1836% | 5,393 |
| Net operating income to assets | 0.2847% | 4,979 |
| Return on assets (ROA) | 0.4868% | 4,317 |
| Pretax return on assets | 0.4934% | 4,641 |
| Return on Equity (ROE) | 3.8253% | 4,599 |
| Retained earnings to average equity (ytd only) | -0.2135% | 5,649 |
| Net charge-offs to loans | 0.3953% | 4,058 |
| Credit loss provision to net charge-offs | 111.6071% | 3,926 |
| Earnings coverage of net charge-offs (x) | 2.8750% | 3,632 |
| Efficiency ratio | 88.5755% | 1,434 |
| Assets per employee ($millions) | 3.1424% | 5,783 |
| Cash dividends to net income (ytd only)* | 105.5807% | 326 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0282% | 6,245 |
| Loan loss allowance to noncurrent loans | 84.1800% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 0.5099% | 6,007 |
| Noncurrent loans to loans | 1.2214% | 4,689 |
| Net loans and leases to total assets | 41.3173% | 6,884 |
| Net loans and leases to deposits | 50.0466% | 6,852 |
| Net loans and leases to core deposits | 52.8688% | 6,862 |
| Total domestic deposits to total assets | 82.5576% | 4,993 |
| Equity capital to assets | 12.4411% | 1,673 |
| Core capital (leverage) ratio | 11.4540% | 1,857 |
| Tier 1 risk-based capital ratio | 21.9456% | 1,185 |
| Total risk-based capital ratio | 22.7550% | 1,222 |
| Memoranda: |
| Average total assets | $136,188,200 | 4,138 |
| Average earning assets | $125,730,400 | 4,110 |
| Average equity | $17,332,000 | 3,530 |
| Average total loans | $56,659,000 | 5,206 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5765% | 6,402 |
| Cost of funding earning assets | 1.2200% | 4,743 |
| Net interest margin | 3.3564% | 5,819 |
| Noninterest income to average assets | 1.0221% | 1,410 |
| Noninterest expense to average assets | 3.6769% | 1,622 |
| Loan and lease loss provision to assets | 0.0440% | 6,651 |
| Net operating income to assets | 0.3945% | 4,774 |
| Return on assets (ROA) | 0.5716% | 4,168 |
| Pretax return on assets | 0.5814% | 4,659 |
| Return on Equity (ROE) | 4.4667% | 4,574 |
| Retained earnings to average equity (ytd only) | 0.4963% | 5,603 |
| Net charge-offs to loans | 0.1105% | 5,432 |
| Credit loss provision to net charge-offs | 95.7447% | 4,526 |
| Earnings coverage of net charge-offs (x) | 9.6801% | 1,988 |
| Efficiency ratio | 89.2129% | 1,348 |
| Assets per employee ($millions) | 3.2162% | 5,638 |
| Cash dividends to net income (ytd only)* | 88.8895% | 477 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0020% | 6,387 |
| Loan loss allowance to noncurrent loans | 87.7778% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 0.4664% | 6,260 |
| Noncurrent loans to loans | 1.1415% | 4,956 |
| Net loans and leases to total assets | 40.4479% | 7,052 |
| Net loans and leases to deposits | 49.9598% | 7,012 |
| Net loans and leases to core deposits | 52.4423% | 7,029 |
| Total domestic deposits to total assets | 80.9609% | 5,387 |
| Equity capital to assets | 13.3662% | 1,406 |
| Core capital (leverage) ratio | 11.5577% | 1,904 |
| Tier 1 risk-based capital ratio | 22.4471% | 1,140 |
| Total risk-based capital ratio | 23.2314% | 1,182 |
| Memoranda: |
| Average total assets | $136,454,000 | 4,179 |
| Average earning assets | $126,003,250 | 4,159 |
| Average equity | $17,462,250 | 3,563 |
| Average total loans | $56,721,250 | 5,284 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5748% | 6,528 |
| Cost of funding earning assets | 1.2370% | 4,915 |
| Net interest margin | 3.3378% | 5,880 |
| Noninterest income to average assets | 1.0123% | 1,346 |
| Noninterest expense to average assets | 3.6330% | 1,699 |
| Loan and lease loss provision to assets | 0.0438% | 6,537 |
| Net operating income to assets | 0.4102% | 4,709 |
| Return on assets (ROA) | 0.5390% | 4,296 |
| Pretax return on assets | 0.5493% | 4,745 |
| Return on Equity (ROE) | 4.2746% | 4,653 |
| Retained earnings to average equity (ytd only) | 0.3359% | 5,624 |
| Net charge-offs to loans | 0.1642% | 4,629 |
| Credit loss provision to net charge-offs | 63.8298% | 5,119 |
| Earnings coverage of net charge-offs (x) | 6.7234% | 2,411 |
| Efficiency ratio | 88.7264% | 1,446 |
| Assets per employee ($millions) | 3.1041% | 5,913 |
| Cash dividends to net income (ytd only)* | 92.1409% | 551 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9427% | 6,620 |
| Loan loss allowance to noncurrent loans | 110.9278% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.3551% | 6,544 |
| Noncurrent loans to loans | 0.8498% | 5,566 |
| Net loans and leases to total assets | 41.3919% | 7,073 |
| Net loans and leases to deposits | 50.9412% | 7,029 |
| Net loans and leases to core deposits | 53.4288% | 7,062 |
| Total domestic deposits to total assets | 81.2542% | 5,314 |
| Equity capital to assets | 12.9938% | 1,571 |
| Core capital (leverage) ratio | 11.3658% | 2,003 |
| Tier 1 risk-based capital ratio | 21.4823% | 1,272 |
| Total risk-based capital ratio | 22.2142% | 1,318 |
| Memoranda: |
| Average total assets | $136,912,000 | 4,193 |
| Average earning assets | $126,431,670 | 4,170 |
| Average equity | $17,264,670 | 3,592 |
| Average total loans | $57,231,670 | 5,297 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6470% | 6,422 |
| Cost of funding earning assets | 1.2676% | 5,018 |
| Net interest margin | 3.3793% | 5,670 |
| Noninterest income to average assets | 0.9892% | 1,336 |
| Noninterest expense to average assets | 3.6359% | 1,653 |
| Loan and lease loss provision to assets | 0.0438% | 6,232 |
| Net operating income to assets | 0.4218% | 4,745 |
| Return on assets (ROA) | 0.5836% | 4,116 |
| Pretax return on assets | 0.5924% | 4,636 |
| Return on Equity (ROE) | 4.6994% | 4,537 |
| Retained earnings to average equity (ytd only) | 0.9399% | 5,438 |
| Net charge-offs to loans | 0.3210% | 3,125 |
| Credit loss provision to net charge-offs | 32.6087% | 4,773 |
| Earnings coverage of net charge-offs (x) | 3.5217% | 2,881 |
| Efficiency ratio | 88.4943% | 1,541 |
| Assets per employee ($millions) | 3.3061% | 5,529 |
| Cash dividends to net income (ytd only)* | 80.0000% | 851 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9234% | 6,764 |
| Loan loss allowance to noncurrent loans | 106.5173% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.3658% | 6,561 |
| Noncurrent loans to loans | 0.8669% | 5,584 |
| Net loans and leases to total assets | 40.4128% | 7,226 |
| Net loans and leases to deposits | 49.3393% | 7,162 |
| Net loans and leases to core deposits | 51.8316% | 7,214 |
| Total domestic deposits to total assets | 81.9080% | 5,114 |
| Equity capital to assets | 12.3444% | 1,848 |
| Core capital (leverage) ratio | 11.5609% | 1,875 |
| Tier 1 risk-based capital ratio | 21.3829% | 1,289 |
| Total risk-based capital ratio | 22.0905% | 1,339 |
| Memoranda: |
| Average total assets | $137,078,000 | 4,248 |
| Average earning assets | $126,534,500 | 4,226 |
| Average equity | $17,023,500 | 3,650 |
| Average total loans | $57,312,000 | 5,370 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0360% | 6,318 |
| Cost of funding earning assets | 1.5869% | 5,092 |
| Net interest margin | 3.4492% | 5,173 |
| Noninterest income to average assets | 1.0223% | 1,496 |
| Noninterest expense to average assets | 3.8250% | 1,651 |
| Loan and lease loss provision to assets | 0.1280% | 6,361 |
| Net operating income to assets | 0.2512% | 4,717 |
| Return on assets (ROA) | 0.4566% | 4,023 |
| Pretax return on assets | 0.4635% | 4,310 |
| Return on Equity (ROE) | 3.6632% | 4,224 |
| Retained earnings to average equity (ytd only) | 2.5697% | 3,346 |
| Net charge-offs to loans | 0.1924% | 5,443 |
| Credit loss provision to net charge-offs | 148.2456% | 3,159 |
| Earnings coverage of net charge-offs (x) | 4.4474% | 2,950 |
| Efficiency ratio | 90.8780% | 1,644 |
| Assets per employee ($millions) | 3.2214% | 5,676 |
| Cash dividends to net income (ytd only)* | 29.8507% | 3,327 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9658% | 6,554 |
| Loan loss allowance to noncurrent loans | 97.7312% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 0.4900% | 6,226 |
| Noncurrent loans to loans | 0.9882% | 5,340 |
| Net loans and leases to total assets | 42.4430% | 7,227 |
| Net loans and leases to deposits | 52.0324% | 7,154 |
| Net loans and leases to core deposits | 58.8823% | 7,308 |
| Total domestic deposits to total assets | 81.5704% | 5,123 |
| Equity capital to assets | 12.4953% | 1,751 |
| Core capital (leverage) ratio | 11.6478% | 1,841 |
| Tier 1 risk-based capital ratio | 21.0236% | 1,285 |
| Total risk-based capital ratio | 21.7705% | 1,338 |
| Memoranda: |
| Average total assets | $132,051,800 | 4,300 |
| Average earning assets | $122,000,800 | 4,264 |
| Average equity | $16,460,800 | 3,785 |
| Average total loans | $59,237,600 | 5,286 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0289% | 6,514 |
| Cost of funding earning assets | 1.6364% | 5,225 |
| Net interest margin | 3.3925% | 5,301 |
| Noninterest income to average assets | 0.9966% | 1,618 |
| Noninterest expense to average assets | 3.9469% | 1,359 |
| Loan and lease loss provision to assets | 0.0549% | 6,821 |
| Net operating income to assets | 0.1282% | 5,380 |
| Return on assets (ROA) | 0.2987% | 4,899 |
| Pretax return on assets | 0.3088% | 5,037 |
| Return on Equity (ROE) | 2.3976% | 5,025 |
| Retained earnings to average equity (ytd only) | 1.4189% | 4,521 |
| Net charge-offs to loans | 0.0940% | 5,737 |
| Credit loss provision to net charge-offs | 128.5714% | 3,898 |
| Earnings coverage of net charge-offs (x) | 4.4046% | 3,141 |
| Efficiency ratio | 95.4545% | 1,305 |
| Assets per employee ($millions) | 3.1352% | 5,821 |
| Cash dividends to net income (ytd only)* | 40.8174% | 2,402 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9048% | 6,740 |
| Loan loss allowance to noncurrent loans | 72.7145% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 0.5274% | 6,141 |
| Noncurrent loans to loans | 1.2444% | 4,864 |
| Net loans and leases to total assets | 41.9986% | 7,365 |
| Net loans and leases to deposits | 51.5787% | 7,324 |
| Net loans and leases to core deposits | 57.6878% | 7,479 |
| Total domestic deposits to total assets | 81.4263% | 4,905 |
| Equity capital to assets | 12.5781% | 1,897 |
| Core capital (leverage) ratio | 11.5902% | 2,019 |
| Tier 1 risk-based capital ratio | 20.8046% | 1,395 |
| Total risk-based capital ratio | 21.4979% | 1,467 |
| Memoranda: |
| Average total assets | $131,240,000 | 4,348 |
| Average earning assets | $121,402,750 | 4,311 |
| Average equity | $16,349,500 | 3,843 |
| Average total loans | $59,550,750 | 5,309 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0438% | 6,638 |
| Cost of funding earning assets | 1.6702% | 5,423 |
| Net interest margin | 3.3736% | 5,271 |
| Noninterest income to average assets | 1.0119% | 1,556 |
| Noninterest expense to average assets | 3.9631% | 1,383 |
| Loan and lease loss provision to assets | 0.0523% | 6,706 |
| Net operating income to assets | 0.1081% | 5,542 |
| Return on assets (ROA) | 0.1630% | 5,477 |
| Pretax return on assets | 0.1738% | 5,533 |
| Return on Equity (ROE) | 1.3129% | 5,531 |
| Retained earnings to average equity (ytd only) | 0.3220% | 5,090 |
| Net charge-offs to loans | 0.1292% | 4,880 |
| Credit loss provision to net charge-offs | 87.1795% | 5,007 |
| Earnings coverage of net charge-offs (x) | 2.7949% | 3,690 |
| Efficiency ratio | 95.9419% | 1,379 |
| Assets per employee ($millions) | 3.1308% | 5,776 |
| Cash dividends to net income (ytd only)* | 75.4717% | 1,187 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8519% | 6,974 |
| Loan loss allowance to noncurrent loans | 68.4426% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 0.6320% | 5,834 |
| Noncurrent loans to loans | 1.2447% | 4,723 |
| Net loans and leases to total assets | 44.3408% | 7,306 |
| Net loans and leases to deposits | 55.6185% | 7,185 |
| Net loans and leases to core deposits | 62.2994% | 7,371 |
| Total domestic deposits to total assets | 79.7232% | 5,556 |
| Equity capital to assets | 12.3708% | 1,995 |
| Core capital (leverage) ratio | 11.7076% | 1,973 |
| Tier 1 risk-based capital ratio | 20.2317% | 1,529 |
| Total risk-based capital ratio | 20.8914% | 1,605 |
| Memoranda: |
| Average total assets | $130,048,670 | 4,391 |
| Average earning assets | $120,227,330 | 4,361 |
| Average equity | $16,147,000 | 3,888 |
| Average total loans | $60,355,330 | 5,309 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0929% | 6,665 |
| Cost of funding earning assets | 1.6753% | 5,717 |
| Net interest margin | 3.4176% | 5,065 |
| Noninterest income to average assets | 0.9557% | 1,617 |
| Noninterest expense to average assets | 3.8755% | 1,343 |
| Loan and lease loss provision to assets | 0.0495% | 6,352 |
| Net operating income to assets | 0.1825% | 5,711 |
| Return on assets (ROA) | 0.1825% | 5,886 |
| Pretax return on assets | 0.1918% | 5,959 |
| Return on Equity (ROE) | 1.4670% | 5,980 |
| Retained earnings to average equity (ytd only) | 0.4724% | 5,464 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1397% | 1,424 |
| Assets per employee ($millions) | 2.9325% | 6,336 |
| Cash dividends to net income (ytd only)* | 67.7966% | 1,316 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8735% | 6,860 |
| Loan loss allowance to noncurrent loans | 70.4607% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 0.5720% | 5,753 |
| Noncurrent loans to loans | 1.2397% | 4,489 |
| Net loans and leases to total assets | 45.7343% | 7,209 |
| Net loans and leases to deposits | 57.4016% | 7,072 |
| Net loans and leases to core deposits | 64.2916% | 7,306 |
| Total domestic deposits to total assets | 79.6742% | 5,479 |
| Equity capital to assets | 12.6376% | 1,911 |
| Core capital (leverage) ratio | 11.9402% | 1,926 |
| Tier 1 risk-based capital ratio | 20.2244% | 1,575 |
| Total risk-based capital ratio | 20.9091% | 1,636 |
| Memoranda: |
| Average total assets | $129,325,500 | 4,426 |
| Average earning assets | $119,617,000 | 4,393 |
| Average equity | $16,087,000 | 3,929 |
| Average total loans | $61,129,500 | 5,316 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6838% | 6,825 |
| Cost of funding earning assets | 2.1302% | 5,928 |
| Net interest margin | 3.5536% | 5,080 |
| Noninterest income to average assets | 1.0491% | 1,426 |
| Noninterest expense to average assets | 3.8615% | 1,639 |
| Loan and lease loss provision to assets | 0.1935% | 4,947 |
| Net operating income to assets | 0.2286% | 5,762 |
| Return on assets (ROA) | 0.6826% | 3,806 |
| Pretax return on assets | 0.6866% | 4,444 |
| Return on Equity (ROE) | 5.6325% | 4,102 |
| Retained earnings to average equity (ytd only) | 1.5444% | 4,297 |
| Net charge-offs to loans | 0.4780% | 2,443 |
| Credit loss provision to net charge-offs | 81.1881% | 5,878 |
| Earnings coverage of net charge-offs (x) | 1.7855% | 5,183 |
| Efficiency ratio | 90.0752% | 1,512 |
| Assets per employee ($millions) | 2.8805% | 6,369 |
| Cash dividends to net income (ytd only)* | 72.5806% | 2,053 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8035% | 7,094 |
| Loan loss allowance to noncurrent loans | 67.2000% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 0.5786% | 5,445 |
| Noncurrent loans to loans | 1.1956% | 4,119 |
| Net loans and leases to total assets | 48.0046% | 7,189 |
| Net loans and leases to deposits | 60.4937% | 7,047 |
| Net loans and leases to core deposits | 67.4233% | 7,312 |
| Total domestic deposits to total assets | 79.3547% | 5,251 |
| Equity capital to assets | 12.2417% | 2,141 |
| Core capital (leverage) ratio | 11.9339% | 1,998 |
| Tier 1 risk-based capital ratio | 19.6985% | 1,664 |
| Total risk-based capital ratio | 20.3457% | 1,745 |
| Memoranda: |
| Average total assets | $127,152,400 | 4,345 |
| Average earning assets | $115,855,400 | 4,367 |
| Average equity | $15,410,600 | 4,052 |
| Average total loans | $63,394,000 | 5,125 |
