| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4449% | 1,239 |
| Cost of funding earning assets | 0.8996% | 3,522 |
| Net interest margin | 4.5452% | 570 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 2.8992% | 1,271 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.6165% | 842 |
| Return on assets (ROA) | 1.6165% | 813 |
| Pretax return on assets | 1.7662% | 930 |
| Return on Equity (ROE) | 19.2500% | 685 |
| Retained earnings to average equity (ytd only) | 8.0325% | 1,529 |
| Net charge-offs to loans | -0.1196% | 4,516 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 59.6732% | 3,119 |
| Assets per employee ($millions) | 5.0625% | 3,594 |
| Cash dividends to net income (ytd only)* | 58.2622% | 1,266 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4222% | 1,303 |
| Loan loss allowance to noncurrent loans | 105.8474% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 1.2592% | 336 |
| Noncurrent loans to loans | 1.3436% | 517 |
| Net loans and leases to total assets | 77.9900% | 869 |
| Net loans and leases to deposits | 88.4982% | 1,389 |
| Net loans and leases to core deposits | 95.7423% | 1,664 |
| Total domestic deposits to total assets | 88.1200% | 1,305 |
| Equity capital to assets | 8.9819% | 2,687 |
| Core capital (leverage) ratio | 9.7422% | 3,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3222% | 2,485 |
| Memoranda: |
| Average total assets | $376,622,800 | 2,090 |
| Average earning assets | $358,595,200 | 2,050 |
| Average equity | $31,634,000 | 2,195 |
| Average total loans | $292,736,600 | 1,819 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2401% | 1,374 |
| Cost of funding earning assets | 0.7808% | 3,576 |
| Net interest margin | 4.4594% | 656 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 2.8464% | 1,327 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.5892% | 955 |
| Return on assets (ROA) | 1.5892% | 951 |
| Pretax return on assets | 1.7247% | 1,126 |
| Return on Equity (ROE) | 19.2600% | 794 |
| Retained earnings to average equity (ytd only) | 6.8048% | 2,358 |
| Net charge-offs to loans | -0.1852% | 4,562 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.7750% | 2,992 |
| Assets per employee ($millions) | 5.2257% | 3,411 |
| Cash dividends to net income (ytd only)* | 64.6652% | 803 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4389% | 1,292 |
| Loan loss allowance to noncurrent loans | 94.7439% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 1.2530% | 344 |
| Noncurrent loans to loans | 1.5188% | 476 |
| Net loans and leases to total assets | 76.0600% | 1,115 |
| Net loans and leases to deposits | 85.6336% | 1,610 |
| Net loans and leases to core deposits | 92.0798% | 1,789 |
| Total domestic deposits to total assets | 88.8200% | 1,313 |
| Equity capital to assets | 8.3059% | 2,853 |
| Core capital (leverage) ratio | 9.8514% | 2,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2670% | 2,521 |
| Memoranda: |
| Average total assets | $375,856,750 | 2,103 |
| Average earning assets | $357,919,750 | 2,046 |
| Average equity | $31,016,750 | 2,208 |
| Average total loans | $290,826,250 | 1,826 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0931% | 1,388 |
| Cost of funding earning assets | 0.7010% | 3,486 |
| Net interest margin | 4.3921% | 714 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 2.7039% | 1,635 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.6466% | 879 |
| Return on assets (ROA) | 1.6466% | 881 |
| Pretax return on assets | 1.7830% | 1,044 |
| Return on Equity (ROE) | 20.0000% | 707 |
| Retained earnings to average equity (ytd only) | 6.0207% | 2,614 |
| Net charge-offs to loans | -0.3418% | 4,621 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.8296% | 3,208 |
| Assets per employee ($millions) | 4.9776% | 3,614 |
| Cash dividends to net income (ytd only)* | 69.8928% | 758 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4901% | 1,208 |
| Loan loss allowance to noncurrent loans | 69.0065% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 1.9187% | 147 |
| Noncurrent loans to loans | 2.1594% | 240 |
| Net loans and leases to total assets | 77.0900% | 931 |
| Net loans and leases to deposits | 87.0200% | 1,425 |
| Net loans and leases to core deposits | 88.7495% | 1,879 |
| Total domestic deposits to total assets | 88.5900% | 1,380 |
| Equity capital to assets | 8.5878% | 2,794 |
| Core capital (leverage) ratio | 9.6316% | 3,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2309% | 2,559 |
| Memoranda: |
| Average total assets | $373,984,000 | 2,108 |
| Average earning assets | $356,052,333 | 2,064 |
| Average equity | $30,794,000 | 2,232 |
| Average total loans | $289,640,000 | 1,822 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8425% | 1,521 |
| Cost of funding earning assets | 0.6125% | 3,342 |
| Net interest margin | 4.2300% | 901 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.9297% | 1,175 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.2855% | 1,711 |
| Return on assets (ROA) | 1.2855% | 1,686 |
| Pretax return on assets | 1.4195% | 1,839 |
| Return on Equity (ROE) | 15.9400% | 1,369 |
| Retained earnings to average equity (ytd only) | 6.0676% | 2,744 |
| Net charge-offs to loans | 0.0082% | 1,640 |
| Credit loss provision to net charge-offs | 1,500.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 239.3333% | 444 |
| Efficiency ratio | 64.9739% | 2,330 |
| Assets per employee ($millions) | 5.1029% | 3,572 |
| Cash dividends to net income (ytd only)* | 61.9360% | 926 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2739% | 2,162 |
| Loan loss allowance to noncurrent loans | 54.0228% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 2.0550% | 118 |
| Noncurrent loans to loans | 2.3580% | 208 |
| Net loans and leases to total assets | 74.8300% | 1,096 |
| Net loans and leases to deposits | 84.0392% | 1,497 |
| Net loans and leases to core deposits | 85.1592% | 1,914 |
| Total domestic deposits to total assets | 89.0400% | 1,531 |
| Equity capital to assets | 8.2594% | 3,073 |
| Core capital (leverage) ratio | 9.2515% | 3,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7854% | 2,789 |
| Memoranda: |
| Average total assets | $379,294,000 | 2,107 |
| Average earning assets | $361,137,500 | 2,062 |
| Average equity | $30,588,500 | 2,268 |
| Average total loans | $292,288,500 | 1,824 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5009% | 717 |
| Cost of funding earning assets | 0.2807% | 3,038 |
| Net interest margin | 4.2202% | 507 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 2.7455% | 1,450 |
| Loan and lease loss provision to assets | 0.2300% | 422 |
| Net operating income to assets | 1.3367% | 1,325 |
| Return on assets (ROA) | 1.3367% | 1,283 |
| Pretax return on assets | 1.4691% | 1,541 |
| Return on Equity (ROE) | 17.3900% | 797 |
| Retained earnings to average equity (ytd only) | 10.4296% | 1,030 |
| Net charge-offs to loans | 0.2337% | 337 |
| Credit loss provision to net charge-offs | 133.4855% | 1,388 |
| Earnings coverage of net charge-offs (x) | 9.9437% | 2,209 |
| Efficiency ratio | 61.8020% | 2,791 |
| Assets per employee ($millions) | 5.0796% | 3,611 |
| Cash dividends to net income (ytd only)* | 40.0311% | 1,905 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1938% | 2,423 |
| Loan loss allowance to noncurrent loans | 54.5315% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 1.7957% | 147 |
| Noncurrent loans to loans | 2.1893% | 236 |
| Net loans and leases to total assets | 77.3800% | 855 |
| Net loans and leases to deposits | 85.2673% | 1,372 |
| Net loans and leases to core deposits | 86.4155% | 1,718 |
| Total domestic deposits to total assets | 90.7500% | 1,038 |
| Equity capital to assets | 7.8715% | 3,139 |
| Core capital (leverage) ratio | 8.8595% | 3,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2582% | 2,929 |
| Memoranda: |
| Average total assets | $384,991,400 | 2,082 |
| Average earning assets | $368,041,200 | 2,035 |
| Average equity | $29,588,800 | 2,350 |
| Average total loans | $281,081,000 | 1,808 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3981% | 588 |
| Cost of funding earning assets | 0.2401% | 2,818 |
| Net interest margin | 4.1580% | 460 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 2.7229% | 1,413 |
| Loan and lease loss provision to assets | 0.2700% | 282 |
| Net operating income to assets | 1.2791% | 1,428 |
| Return on assets (ROA) | 1.2791% | 1,394 |
| Pretax return on assets | 1.3862% | 1,758 |
| Return on Equity (ROE) | 16.7400% | 848 |
| Retained earnings to average equity (ytd only) | 8.7850% | 1,731 |
| Net charge-offs to loans | 0.3165% | 204 |
| Credit loss provision to net charge-offs | 119.7869% | 1,222 |
| Earnings coverage of net charge-offs (x) | 7.3059% | 2,078 |
| Efficiency ratio | 62.1541% | 2,811 |
| Assets per employee ($millions) | 5.2337% | 3,473 |
| Cash dividends to net income (ytd only)* | 47.5290% | 1,296 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1622% | 2,731 |
| Loan loss allowance to noncurrent loans | 57.6553% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 1.5549% | 212 |
| Noncurrent loans to loans | 2.0157% | 304 |
| Net loans and leases to total assets | 76.2400% | 883 |
| Net loans and leases to deposits | 83.4666% | 1,340 |
| Net loans and leases to core deposits | 84.8424% | 1,597 |
| Total domestic deposits to total assets | 91.3400% | 1,107 |
| Equity capital to assets | 7.2950% | 3,341 |
| Core capital (leverage) ratio | 8.4716% | 4,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7521% | 3,079 |
| Memoranda: |
| Average total assets | $385,996,500 | 2,098 |
| Average earning assets | $369,209,500 | 2,045 |
| Average equity | $29,489,000 | 2,393 |
| Average total loans | $276,760,000 | 1,824 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1751% | 669 |
| Cost of funding earning assets | 0.2168% | 2,680 |
| Net interest margin | 3.9582% | 541 |
| Noninterest income to average assets | 0.4067% | 2,716 |
| Noninterest expense to average assets | 2.7347% | 1,306 |
| Loan and lease loss provision to assets | 0.3579% | 166 |
| Net operating income to assets | 0.9954% | 2,174 |
| Return on assets (ROA) | 0.9954% | 2,145 |
| Pretax return on assets | 1.1018% | 2,407 |
| Return on Equity (ROE) | 12.8357% | 1,427 |
| Retained earnings to average equity (ytd only) | 5.2573% | 2,607 |
| Net charge-offs to loans | 0.4736% | 142 |
| Credit loss provision to net charge-offs | 108.1505% | 1,234 |
| Earnings coverage of net charge-offs (x) | 4.4107% | 1,956 |
| Efficiency ratio | 65.1991% | 2,620 |
| Assets per employee ($millions) | 4.9723% | 3,700 |
| Cash dividends to net income (ytd only)* | 59.0412% | 1,099 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1868% | 2,754 |
| Loan loss allowance to noncurrent loans | 51.7892% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 1.7199% | 188 |
| Noncurrent loans to loans | 2.2916% | 266 |
| Net loans and leases to total assets | 73.9599% | 924 |
| Net loans and leases to deposits | 81.1691% | 1,304 |
| Net loans and leases to core deposits | 82.4135% | 1,567 |
| Total domestic deposits to total assets | 91.1183% | 1,175 |
| Equity capital to assets | 7.5635% | 3,427 |
| Core capital (leverage) ratio | 8.2853% | 4,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7305% | 3,047 |
| Memoranda: |
| Average total assets | $385,564,000 | 2,109 |
| Average earning assets | $368,952,000 | 2,066 |
| Average equity | $29,901,000 | 2,423 |
| Average total loans | $269,430,000 | 1,854 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1044% | 633 |
| Cost of funding earning assets | 0.2193% | 2,543 |
| Net interest margin | 3.8851% | 522 |
| Noninterest income to average assets | 0.3732% | 2,854 |
| Noninterest expense to average assets | 2.7510% | 1,256 |
| Loan and lease loss provision to assets | 0.6203% | 70 |
| Net operating income to assets | 0.6151% | 3,345 |
| Return on assets (ROA) | 0.6151% | 3,329 |
| Pretax return on assets | 0.7195% | 3,337 |
| Return on Equity (ROE) | 7.8360% | 2,747 |
| Retained earnings to average equity (ytd only) | 0.9482% | 3,833 |
| Net charge-offs to loans | 0.9660% | 71 |
| Credit loss provision to net charge-offs | 95.2381% | 1,060 |
| Earnings coverage of net charge-offs (x) | 2.0571% | 1,716 |
| Efficiency ratio | 67.2479% | 2,600 |
| Assets per employee ($millions) | 5.0932% | 3,673 |
| Cash dividends to net income (ytd only)* | 87.8992% | 620 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2628% | 2,535 |
| Loan loss allowance to noncurrent loans | 49.1704% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 1.7485% | 184 |
| Noncurrent loans to loans | 2.5683% | 229 |
| Net loans and leases to total assets | 67.0411% | 1,304 |
| Net loans and leases to deposits | 73.5481% | 1,650 |
| Net loans and leases to core deposits | 74.7721% | 1,872 |
| Total domestic deposits to total assets | 91.1528% | 956 |
| Equity capital to assets | 7.5206% | 3,921 |
| Core capital (leverage) ratio | 8.0868% | 4,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2069% | 3,028 |
| Memoranda: |
| Average total assets | $386,912,500 | 2,110 |
| Average earning assets | $370,239,500 | 2,075 |
| Average equity | $30,372,500 | 2,461 |
| Average total loans | $260,860,500 | 1,882 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1766% | 1,031 |
| Cost of funding earning assets | 0.3137% | 2,264 |
| Net interest margin | 3.8629% | 894 |
| Noninterest income to average assets | 0.4012% | 3,037 |
| Noninterest expense to average assets | 2.8176% | 1,317 |
| Loan and lease loss provision to assets | 0.0775% | 1,575 |
| Net operating income to assets | 1.0712% | 2,409 |
| Return on assets (ROA) | 1.0712% | 2,482 |
| Pretax return on assets | 1.1880% | 2,701 |
| Return on Equity (ROE) | 12.6368% | 1,594 |
| Retained earnings to average equity (ytd only) | 10.3668% | 828 |
| Net charge-offs to loans | -0.0855% | 4,534 |
| Credit loss provision to net charge-offs | -140.7035% | 3,434 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0060% | 1,858 |
| Assets per employee ($millions) | 5.2263% | 3,536 |
| Cash dividends to net income (ytd only)* | 17.9633% | 3,092 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2936% | 2,389 |
| Loan loss allowance to noncurrent loans | 39.7413% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 2.1836% | 137 |
| Noncurrent loans to loans | 3.2549% | 166 |
| Net loans and leases to total assets | 66.0772% | 1,463 |
| Net loans and leases to deposits | 73.0138% | 1,811 |
| Net loans and leases to core deposits | 74.1551% | 2,065 |
| Total domestic deposits to total assets | 90.4996% | 717 |
| Equity capital to assets | 8.1796% | 4,249 |
| Core capital (leverage) ratio | 8.1990% | 4,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8242% | 2,925 |
| Memoranda: |
| Average total assets | $361,190,000 | 2,146 |
| Average earning assets | $344,274,800 | 2,110 |
| Average equity | $30,617,000 | 2,492 |
| Average total loans | $232,783,400 | 2,032 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3205% | 926 |
| Cost of funding earning assets | 0.3378% | 2,222 |
| Net interest margin | 3.9826% | 819 |
| Noninterest income to average assets | 0.4047% | 3,059 |
| Noninterest expense to average assets | 2.8620% | 1,201 |
| Loan and lease loss provision to assets | 0.0826% | 1,436 |
| Net operating income to assets | 1.2506% | 1,988 |
| Return on assets (ROA) | 1.2506% | 2,053 |
| Pretax return on assets | 1.2521% | 2,764 |
| Return on Equity (ROE) | 14.6140% | 1,221 |
| Retained earnings to average equity (ytd only) | 12.1330% | 810 |
| Net charge-offs to loans | -0.1173% | 4,666 |
| Credit loss provision to net charge-offs | -110.5528% | 3,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1948% | 1,794 |
| Assets per employee ($millions) | 4.8546% | 3,838 |
| Cash dividends to net income (ytd only)* | 16.9772% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3175% | 2,407 |
| Loan loss allowance to noncurrent loans | 37.9924% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 2.3826% | 134 |
| Noncurrent loans to loans | 3.4678% | 167 |
| Net loans and leases to total assets | 67.6609% | 1,357 |
| Net loans and leases to deposits | 75.7081% | 1,697 |
| Net loans and leases to core deposits | 77.0430% | 1,961 |
| Total domestic deposits to total assets | 89.3707% | 1,084 |
| Equity capital to assets | 8.6186% | 4,121 |
| Core capital (leverage) ratio | 8.3897% | 4,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2014% | 2,924 |
| Memoranda: |
| Average total assets | $354,801,750 | 2,190 |
| Average earning assets | $337,824,500 | 2,164 |
| Average equity | $30,362,750 | 2,539 |
| Average total loans | $226,254,750 | 2,104 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5941% | 635 |
| Cost of funding earning assets | 0.3568% | 2,258 |
| Net interest margin | 4.2373% | 548 |
| Noninterest income to average assets | 0.4026% | 3,099 |
| Noninterest expense to average assets | 2.8825% | 1,176 |
| Loan and lease loss provision to assets | 0.0910% | 1,376 |
| Net operating income to assets | 1.4609% | 1,395 |
| Return on assets (ROA) | 1.4609% | 1,457 |
| Pretax return on assets | 1.4609% | 2,134 |
| Return on Equity (ROE) | 17.1132% | 762 |
| Retained earnings to average equity (ytd only) | 17.0132% | 270 |
| Net charge-offs to loans | -0.1822% | 4,779 |
| Credit loss provision to net charge-offs | -80.4020% | 3,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0038% | 2,301 |
| Assets per employee ($millions) | 4.8245% | 3,813 |
| Cash dividends to net income (ytd only)* | 0.5839% | 3,082 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3868% | 2,035 |
| Loan loss allowance to noncurrent loans | 36.4118% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 2.4932% | 139 |
| Noncurrent loans to loans | 3.8087% | 150 |
| Net loans and leases to total assets | 64.3139% | 1,911 |
| Net loans and leases to deposits | 72.5003% | 2,164 |
| Net loans and leases to core deposits | 74.1804% | 2,392 |
| Total domestic deposits to total assets | 88.7084% | 1,448 |
| Equity capital to assets | 8.7496% | 4,013 |
| Core capital (leverage) ratio | 8.5196% | 3,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0214% | 2,715 |
| Memoranda: |
| Average total assets | $351,703,000 | 2,199 |
| Average earning assets | $334,649,667 | 2,167 |
| Average equity | $30,023,667 | 2,552 |
| Average total loans | $218,459,333 | 2,154 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7524% | 529 |
| Cost of funding earning assets | 0.3785% | 2,278 |
| Net interest margin | 4.3738% | 451 |
| Noninterest income to average assets | 0.3724% | 3,233 |
| Noninterest expense to average assets | 2.8718% | 1,211 |
| Loan and lease loss provision to assets | 0.1146% | 1,201 |
| Net operating income to assets | 1.5436% | 1,230 |
| Return on assets (ROA) | 1.5436% | 1,297 |
| Pretax return on assets | 1.5436% | 1,872 |
| Return on Equity (ROE) | 18.3159% | 689 |
| Retained earnings to average equity (ytd only) | 18.1120% | 363 |
| Net charge-offs to loans | -0.0019% | 3,127 |
| Credit loss provision to net charge-offs | -10,000.0000% | 3,793 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3949% | 2,545 |
| Assets per employee ($millions) | 4.7528% | 3,883 |
| Cash dividends to net income (ytd only)* | 1.1136% | 2,413 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3951% | 1,980 |
| Loan loss allowance to noncurrent loans | 32.3533% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 2.5854% | 147 |
| Noncurrent loans to loans | 4.3121% | 120 |
| Net loans and leases to total assets | 58.9089% | 2,689 |
| Net loans and leases to deposits | 66.1390% | 2,905 |
| Net loans and leases to core deposits | 67.8328% | 3,075 |
| Total domestic deposits to total assets | 89.0683% | 1,305 |
| Equity capital to assets | 8.4035% | 4,193 |
| Core capital (leverage) ratio | 8.3933% | 4,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8386% | 2,351 |
| Memoranda: |
| Average total assets | $349,049,500 | 2,194 |
| Average earning assets | $331,793,500 | 2,169 |
| Average equity | $29,417,000 | 2,591 |
| Average total loans | $211,271,000 | 2,207 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8085% | 727 |
| Cost of funding earning assets | 0.5236% | 2,790 |
| Net interest margin | 4.2849% | 524 |
| Noninterest income to average assets | 0.4330% | 2,941 |
| Noninterest expense to average assets | 3.0522% | 1,326 |
| Loan and lease loss provision to assets | 0.2084% | 1,890 |
| Net operating income to assets | 1.2084% | 1,528 |
| Return on assets (ROA) | 1.2084% | 1,633 |
| Pretax return on assets | 1.2096% | 2,294 |
| Return on Equity (ROE) | 13.0210% | 1,037 |
| Retained earnings to average equity (ytd only) | -1.4090% | 4,668 |
| Net charge-offs to loans | 0.3351% | 526 |
| Credit loss provision to net charge-offs | 87.4172% | 2,945 |
| Earnings coverage of net charge-offs (x) | 5.9470% | 2,823 |
| Efficiency ratio | 68.2775% | 2,200 |
| Assets per employee ($millions) | 4.5552% | 3,865 |
| Cash dividends to net income (ytd only)* | 110.8207% | 182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3694% | 2,108 |
| Loan loss allowance to noncurrent loans | 38.5753% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 2.2006% | 237 |
| Noncurrent loans to loans | 3.5499% | 193 |
| Net loans and leases to total assets | 60.5067% | 2,790 |
| Net loans and leases to deposits | 69.4523% | 2,942 |
| Net loans and leases to core deposits | 71.2248% | 3,158 |
| Total domestic deposits to total assets | 87.1198% | 1,878 |
| Equity capital to assets | 8.4530% | 4,480 |
| Core capital (leverage) ratio | 8.2583% | 4,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7061% | 2,360 |
| Memoranda: |
| Average total assets | $316,623,200 | 2,205 |
| Average earning assets | $298,324,800 | 2,191 |
| Average equity | $29,383,200 | 2,511 |
| Average total loans | $225,273,800 | 2,068 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0397% | 569 |
| Cost of funding earning assets | 0.5523% | 2,911 |
| Net interest margin | 4.4874% | 390 |
| Noninterest income to average assets | 0.4326% | 2,923 |
| Noninterest expense to average assets | 3.0629% | 1,308 |
| Loan and lease loss provision to assets | 0.2062% | 1,944 |
| Net operating income to assets | 1.3815% | 1,149 |
| Return on assets (ROA) | 1.3815% | 1,240 |
| Pretax return on assets | 1.3833% | 1,787 |
| Return on Equity (ROE) | 14.5307% | 789 |
| Retained earnings to average equity (ytd only) | -0.5783% | 4,562 |
| Net charge-offs to loans | 0.4130% | 386 |
| Credit loss provision to net charge-offs | 67.6056% | 2,823 |
| Earnings coverage of net charge-offs (x) | 5.2113% | 2,754 |
| Efficiency ratio | 65.8356% | 2,489 |
| Assets per employee ($millions) | 4.3822% | 3,973 |
| Cash dividends to net income (ytd only)* | 103.9801% | 270 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1770% | 2,797 |
| Loan loss allowance to noncurrent loans | 22.3594% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 3.7762% | 88 |
| Noncurrent loans to loans | 5.2642% | 95 |
| Net loans and leases to total assets | 69.8678% | 1,970 |
| Net loans and leases to deposits | 81.2639% | 2,175 |
| Net loans and leases to core deposits | 83.0725% | 2,578 |
| Total domestic deposits to total assets | 85.9765% | 2,082 |
| Equity capital to assets | 8.8720% | 4,203 |
| Core capital (leverage) ratio | 8.6347% | 4,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7906% | 2,686 |
| Memoranda: |
| Average total assets | $310,369,000 | 2,217 |
| Average earning assets | $291,861,500 | 2,207 |
| Average equity | $29,509,250 | 2,496 |
| Average total loans | $229,196,000 | 2,039 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8997% | 975 |
| Cost of funding earning assets | 0.5848% | 3,046 |
| Net interest margin | 4.3149% | 729 |
| Noninterest income to average assets | 0.4207% | 2,970 |
| Noninterest expense to average assets | 3.1492% | 1,244 |
| Loan and lease loss provision to assets | 0.1972% | 2,070 |
| Net operating income to assets | 1.1214% | 1,896 |
| Return on assets (ROA) | 1.1214% | 2,016 |
| Pretax return on assets | 1.1240% | 2,639 |
| Return on Equity (ROE) | 11.5169% | 1,474 |
| Retained earnings to average equity (ytd only) | 6.9601% | 1,678 |
| Net charge-offs to loans | 0.6075% | 263 |
| Credit loss provision to net charge-offs | 43.2900% | 2,655 |
| Earnings coverage of net charge-offs (x) | 2.9004% | 2,727 |
| Efficiency ratio | 70.4455% | 1,900 |
| Assets per employee ($millions) | 4.3839% | 3,921 |
| Cash dividends to net income (ytd only)* | 39.5662% | 1,958 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0811% | 3,169 |
| Loan loss allowance to noncurrent loans | 21.1409% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 3.7915% | 97 |
| Noncurrent loans to loans | 5.1138% | 107 |
| Net loans and leases to total assets | 72.5421% | 1,616 |
| Net loans and leases to deposits | 86.7696% | 1,684 |
| Net loans and leases to core deposits | 88.5326% | 2,194 |
| Total domestic deposits to total assets | 83.6031% | 2,882 |
| Equity capital to assets | 9.3382% | 3,792 |
| Core capital (leverage) ratio | 9.3128% | 3,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1030% | 2,942 |
| Memoranda: |
| Average total assets | $304,271,333 | 2,227 |
| Average earning assets | $285,566,333 | 2,217 |
| Average equity | $29,626,000 | 2,489 |
| Average total loans | $228,140,000 | 2,025 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4292% | 434 |
| Cost of funding earning assets | 0.6234% | 3,314 |
| Net interest margin | 4.8057% | 274 |
| Noninterest income to average assets | 0.4759% | 2,676 |
| Noninterest expense to average assets | 3.3174% | 1,189 |
| Loan and lease loss provision to assets | 0.3263% | 949 |
| Net operating income to assets | 1.3283% | 1,163 |
| Return on assets (ROA) | 1.3283% | 1,258 |
| Pretax return on assets | 1.3283% | 1,790 |
| Return on Equity (ROE) | 13.3415% | 816 |
| Retained earnings to average equity (ytd only) | 4.1240% | 2,633 |
| Net charge-offs to loans | 0.0072% | 2,315 |
| Credit loss provision to net charge-offs | 6,000.0000% | 126 |
| Earnings coverage of net charge-offs (x) | 304.2500% | 233 |
| Efficiency ratio | 66.7214% | 2,857 |
| Assets per employee ($millions) | 3.9605% | 3,974 |
| Cash dividends to net income (ytd only)* | 69.0890% | 1,219 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4418% | 1,546 |
| Loan loss allowance to noncurrent loans | 44.5016% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 2.4785% | 279 |
| Noncurrent loans to loans | 3.2398% | 306 |
| Net loans and leases to total assets | 73.6678% | 1,666 |
| Net loans and leases to deposits | 89.3986% | 1,583 |
| Net loans and leases to core deposits | 91.1606% | 2,232 |
| Total domestic deposits to total assets | 82.4038% | 3,294 |
| Equity capital to assets | 9.9129% | 3,872 |
| Core capital (leverage) ratio | 10.0520% | 3,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1278% | 2,643 |
| Memoranda: |
| Average total assets | $294,202,500 | 2,244 |
| Average earning assets | $275,254,500 | 2,223 |
| Average equity | $29,292,000 | 2,498 |
| Average total loans | $223,257,500 | 2,031 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2787% | 853 |
| Cost of funding earning assets | 0.6957% | 3,177 |
| Net interest margin | 4.5830% | 596 |
| Noninterest income to average assets | 0.5014% | 2,733 |
| Noninterest expense to average assets | 3.2273% | 1,454 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.5687% | 896 |
| Return on assets (ROA) | 1.5687% | 957 |
| Pretax return on assets | 1.5701% | 1,589 |
| Return on Equity (ROE) | 15.9163% | 549 |
| Retained earnings to average equity (ytd only) | 3.2326% | 3,400 |
| Net charge-offs to loans | 0.0144% | 3,191 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 132.9118% | 547 |
| Efficiency ratio | 66.9539% | 2,626 |
| Assets per employee ($millions) | 3.8849% | 4,043 |
| Cash dividends to net income (ytd only)* | 79.6899% | 808 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3207% | 1,834 |
| Loan loss allowance to noncurrent loans | 28.5949% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 3.6167% | 120 |
| Noncurrent loans to loans | 4.6188% | 118 |
| Net loans and leases to total assets | 76.0304% | 1,409 |
| Net loans and leases to deposits | 88.2174% | 1,815 |
| Net loans and leases to core deposits | 89.6149% | 2,457 |
| Total domestic deposits to total assets | 86.1852% | 1,990 |
| Equity capital to assets | 10.0007% | 3,915 |
| Core capital (leverage) ratio | 9.9570% | 3,563 |
| Tier 1 risk-based capital ratio | 11.2602% | 4,751 |
| Total risk-based capital ratio | 12.4448% | 4,672 |
| Memoranda: |
| Average total assets | $287,822,800 | 2,238 |
| Average earning assets | $269,800,800 | 2,208 |
| Average equity | $28,367,200 | 2,478 |
| Average total loans | $236,430,200 | 1,913 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2719% | 915 |
| Cost of funding earning assets | 0.7070% | 3,182 |
| Net interest margin | 4.5649% | 664 |
| Noninterest income to average assets | 0.5028% | 2,717 |
| Noninterest expense to average assets | 3.1718% | 1,522 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6073% | 916 |
| Return on assets (ROA) | 1.6073% | 952 |
| Pretax return on assets | 1.6091% | 1,604 |
| Return on Equity (ROE) | 16.3691% | 555 |
| Retained earnings to average equity (ytd only) | -0.6578% | 4,824 |
| Net charge-offs to loans | 0.0028% | 3,328 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 692.2369% | 141 |
| Efficiency ratio | 65.9151% | 2,736 |
| Assets per employee ($millions) | 3.7546% | 4,213 |
| Cash dividends to net income (ytd only)* | 104.0185% | 282 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2455% | 2,261 |
| Loan loss allowance to noncurrent loans | 29.7378% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 3.6297% | 129 |
| Noncurrent loans to loans | 4.1882% | 157 |
| Net loans and leases to total assets | 84.3041% | 316 |
| Net loans and leases to deposits | 97.8973% | 829 |
| Net loans and leases to core deposits | 99.3334% | 1,712 |
| Total domestic deposits to total assets | 86.1149% | 1,939 |
| Equity capital to assets | 9.9781% | 4,041 |
| Core capital (leverage) ratio | 9.5329% | 4,133 |
| Tier 1 risk-based capital ratio | 11.0984% | 4,863 |
| Total risk-based capital ratio | 12.3232% | 4,769 |
| Memoranda: |
| Average total assets | $286,936,250 | 2,252 |
| Average earning assets | $268,913,750 | 2,231 |
| Average equity | $28,174,250 | 2,505 |
| Average total loans | $239,414,250 | 1,899 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0762% | 1,282 |
| Cost of funding earning assets | 0.6962% | 3,188 |
| Net interest margin | 4.3799% | 979 |
| Noninterest income to average assets | 0.4939% | 2,708 |
| Noninterest expense to average assets | 3.1221% | 1,678 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4741% | 1,218 |
| Return on assets (ROA) | 1.4741% | 1,271 |
| Pretax return on assets | 1.4769% | 1,929 |
| Return on Equity (ROE) | 15.0924% | 739 |
| Retained earnings to average equity (ytd only) | -4.3972% | 5,031 |
| Net charge-offs to loans | 0.0033% | 3,043 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 533.0000% | 141 |
| Efficiency ratio | 67.3144% | 2,636 |
| Assets per employee ($millions) | 3.6900% | 4,258 |
| Cash dividends to net income (ytd only)* | 129.1353% | 217 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2465% | 2,277 |
| Loan loss allowance to noncurrent loans | 28.5769% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 3.6401% | 134 |
| Noncurrent loans to loans | 4.3618% | 145 |
| Net loans and leases to total assets | 82.4144% | 544 |
| Net loans and leases to deposits | 95.1263% | 1,137 |
| Net loans and leases to core deposits | 96.3594% | 2,030 |
| Total domestic deposits to total assets | 86.6368% | 1,754 |
| Equity capital to assets | 9.5889% | 4,321 |
| Core capital (leverage) ratio | 9.3740% | 4,279 |
| Tier 1 risk-based capital ratio | 10.8953% | 4,958 |
| Total risk-based capital ratio | 12.1197% | 4,885 |
| Memoranda: |
| Average total assets | $288,716,330 | 2,245 |
| Average earning assets | $270,597,330 | 2,226 |
| Average equity | $28,199,670 | 2,500 |
| Average total loans | $239,088,670 | 1,907 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0372% | 1,245 |
| Cost of funding earning assets | 0.6804% | 3,149 |
| Net interest margin | 4.3568% | 994 |
| Noninterest income to average assets | 0.4772% | 2,695 |
| Noninterest expense to average assets | 2.9893% | 2,020 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5714% | 958 |
| Return on assets (ROA) | 1.5714% | 986 |
| Pretax return on assets | 1.5714% | 1,542 |
| Return on Equity (ROE) | 15.9439% | 596 |
| Retained earnings to average equity (ytd only) | 11.3263% | 742 |
| Net charge-offs to loans | 0.0067% | 2,454 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 284.0000% | 286 |
| Efficiency ratio | 64.9682% | 3,090 |
| Assets per employee ($millions) | 3.8390% | 4,136 |
| Cash dividends to net income (ytd only)* | 28.9613% | 2,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2583% | 2,281 |
| Loan loss allowance to noncurrent loans | 30.4990% | 4,617 |
| Noncurrent assets plus other real estate owned to assets | 3.4106% | 159 |
| Noncurrent loans to loans | 4.1257% | 176 |
| Net loans and leases to total assets | 81.6274% | 630 |
| Net loans and leases to deposits | 94.6849% | 1,091 |
| Net loans and leases to core deposits | 95.8155% | 1,944 |
| Total domestic deposits to total assets | 86.2096% | 2,180 |
| Equity capital to assets | 10.0533% | 3,774 |
| Core capital (leverage) ratio | 9.8143% | 3,802 |
| Tier 1 risk-based capital ratio | 11.5640% | 4,710 |
| Total risk-based capital ratio | 12.7986% | 4,605 |
| Memoranda: |
| Average total assets | $289,164,000 | 2,253 |
| Average earning assets | $271,023,000 | 2,233 |
| Average equity | $28,500,000 | 2,486 |
| Average total loans | $238,533,000 | 1,929 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5051% | 394 |
| Cost of funding earning assets | 0.4840% | 3,453 |
| Net interest margin | 5.0210% | 256 |
| Noninterest income to average assets | 0.5777% | 2,409 |
| Noninterest expense to average assets | 3.2021% | 1,548 |
| Loan and lease loss provision to assets | 0.1367% | 1,573 |
| Net operating income to assets | 1.9291% | 416 |
| Return on assets (ROA) | 1.9291% | 412 |
| Pretax return on assets | 1.9305% | 662 |
| Return on Equity (ROE) | 20.0766% | 246 |
| Retained earnings to average equity (ytd only) | 11.3981% | 383 |
| Net charge-offs to loans | 0.0046% | 3,554 |
| Credit loss provision to net charge-offs | 3,409.0909% | 149 |
| Earnings coverage of net charge-offs (x) | 515.6364% | 205 |
| Efficiency ratio | 60.1466% | 3,835 |
| Assets per employee ($millions) | 3.7715% | 4,227 |
| Cash dividends to net income (ytd only)* | 43.2269% | 2,343 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2546% | 2,272 |
| Loan loss allowance to noncurrent loans | 58.0864% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 1.7779% | 585 |
| Noncurrent loans to loans | 2.1598% | 601 |
| Net loans and leases to total assets | 81.2823% | 772 |
| Net loans and leases to deposits | 93.9038% | 1,296 |
| Net loans and leases to core deposits | 94.6232% | 2,177 |
| Total domestic deposits to total assets | 86.5591% | 1,985 |
| Equity capital to assets | 9.6603% | 3,991 |
| Core capital (leverage) ratio | 9.6755% | 3,926 |
| Tier 1 risk-based capital ratio | 11.2956% | 4,816 |
| Total risk-based capital ratio | 12.5395% | 4,729 |
| Memoranda: |
| Average total assets | $274,380,600 | 2,299 |
| Average earning assets | $256,381,400 | 2,292 |
| Average equity | $26,364,000 | 2,550 |
| Average total loans | $241,187,200 | 1,873 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5032% | 357 |
| Cost of funding earning assets | 0.4400% | 3,599 |
| Net interest margin | 5.0632% | 231 |
| Noninterest income to average assets | 0.6016% | 2,299 |
| Noninterest expense to average assets | 3.2423% | 1,424 |
| Loan and lease loss provision to assets | 0.0814% | 2,329 |
| Net operating income to assets | 2.0031% | 372 |
| Return on assets (ROA) | 2.0031% | 372 |
| Pretax return on assets | 2.0051% | 614 |
| Return on Equity (ROE) | 20.8772% | 220 |
| Retained earnings to average equity (ytd only) | 10.5877% | 749 |
| Net charge-offs to loans | 0.0061% | 3,217 |
| Credit loss provision to net charge-offs | 1,500.0000% | 268 |
| Earnings coverage of net charge-offs (x) | 384.5392% | 249 |
| Efficiency ratio | 60.1888% | 3,793 |
| Assets per employee ($millions) | 3.6871% | 4,327 |
| Cash dividends to net income (ytd only)* | 49.2862% | 1,614 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1191% | 3,081 |
| Loan loss allowance to noncurrent loans | 81.1463% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 1.2429% | 1,119 |
| Noncurrent loans to loans | 1.3791% | 1,210 |
| Net loans and leases to total assets | 89.1154% | 107 |
| Net loans and leases to deposits | 103.3029% | 583 |
| Net loans and leases to core deposits | 104.7168% | 1,400 |
| Total domestic deposits to total assets | 86.2662% | 2,072 |
| Equity capital to assets | 9.7794% | 3,839 |
| Core capital (leverage) ratio | 9.6081% | 4,047 |
| Tier 1 risk-based capital ratio | 10.4346% | 5,262 |
| Total risk-based capital ratio | 11.5429% | 5,225 |
| Memoranda: |
| Average total assets | $270,374,750 | 2,338 |
| Average earning assets | $252,430,250 | 2,334 |
| Average equity | $25,941,500 | 2,586 |
| Average total loans | $241,722,500 | 1,879 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4412% | 357 |
| Cost of funding earning assets | 0.3992% | 3,724 |
| Net interest margin | 5.0421% | 229 |
| Noninterest income to average assets | 0.5777% | 2,439 |
| Noninterest expense to average assets | 3.2722% | 1,381 |
| Loan and lease loss provision to assets | 0.0783% | 2,341 |
| Net operating income to assets | 1.9350% | 429 |
| Return on assets (ROA) | 1.9350% | 430 |
| Pretax return on assets | 1.9350% | 710 |
| Return on Equity (ROE) | 20.3016% | 245 |
| Retained earnings to average equity (ytd only) | 10.5105% | 790 |
| Net charge-offs to loans | 0.0109% | 2,759 |
| Credit loss provision to net charge-offs | 807.6923% | 498 |
| Earnings coverage of net charge-offs (x) | 207.7692% | 412 |
| Efficiency ratio | 61.2043% | 3,740 |
| Assets per employee ($millions) | 3.5976% | 4,474 |
| Cash dividends to net income (ytd only)* | 48.2280% | 1,751 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1119% | 3,192 |
| Loan loss allowance to noncurrent loans | 266.8297% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.4125% | 3,076 |
| Noncurrent loans to loans | 0.4167% | 3,203 |
| Net loans and leases to total assets | 89.8830% | 72 |
| Net loans and leases to deposits | 102.4761% | 627 |
| Net loans and leases to core deposits | 103.7110% | 1,417 |
| Total domestic deposits to total assets | 87.7112% | 1,533 |
| Equity capital to assets | 9.7605% | 3,861 |
| Core capital (leverage) ratio | 9.6092% | 3,988 |
| Tier 1 risk-based capital ratio | 10.3845% | 5,319 |
| Total risk-based capital ratio | 11.4941% | 5,281 |
| Memoranda: |
| Average total assets | $268,323,330 | 2,364 |
| Average earning assets | $250,531,330 | 2,354 |
| Average equity | $25,574,330 | 2,624 |
| Average total loans | $239,223,670 | 1,894 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3257% | 389 |
| Cost of funding earning assets | 0.3654% | 3,872 |
| Net interest margin | 4.9603% | 244 |
| Noninterest income to average assets | 0.5905% | 2,314 |
| Noninterest expense to average assets | 3.2918% | 1,362 |
| Loan and lease loss provision to assets | 0.0673% | 2,419 |
| Net operating income to assets | 1.8582% | 501 |
| Return on assets (ROA) | 1.8582% | 503 |
| Pretax return on assets | 1.8582% | 804 |
| Return on Equity (ROE) | 19.7352% | 260 |
| Retained earnings to average equity (ytd only) | 5.8110% | 2,800 |
| Net charge-offs to loans | 0.0017% | 2,672 |
| Credit loss provision to net charge-offs | 4,500.0000% | 81 |
| Earnings coverage of net charge-offs (x) | 1,288.0000% | 45 |
| Efficiency ratio | 62.3782% | 3,720 |
| Assets per employee ($millions) | 3.5958% | 4,541 |
| Cash dividends to net income (ytd only)* | 70.5551% | 1,017 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1126% | 3,302 |
| Loan loss allowance to noncurrent loans | 186.5599% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.5739% | 2,606 |
| Noncurrent loans to loans | 0.5964% | 2,755 |
| Net loans and leases to total assets | 89.4815% | 75 |
| Net loans and leases to deposits | 101.7569% | 599 |
| Net loans and leases to core deposits | 102.8243% | 1,457 |
| Total domestic deposits to total assets | 87.9365% | 1,653 |
| Equity capital to assets | 9.5313% | 4,063 |
| Core capital (leverage) ratio | 9.3698% | 4,223 |
| Tier 1 risk-based capital ratio | 10.1278% | 5,463 |
| Total risk-based capital ratio | 11.2344% | 5,448 |
| Memoranda: |
| Average total assets | $267,574,000 | 2,385 |
| Average earning assets | $249,580,000 | 2,385 |
| Average equity | $25,193,500 | 2,676 |
| Average total loans | $236,210,000 | 1,920 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4290% | 295 |
| Cost of funding earning assets | 0.3189% | 3,964 |
| Net interest margin | 5.1101% | 188 |
| Noninterest income to average assets | 0.6315% | 2,296 |
| Noninterest expense to average assets | 3.4771% | 1,072 |
| Loan and lease loss provision to assets | 0.0472% | 3,279 |
| Net operating income to assets | 1.8513% | 371 |
| Return on assets (ROA) | 1.8513% | 378 |
| Pretax return on assets | 1.8544% | 679 |
| Return on Equity (ROE) | 19.4450% | 216 |
| Retained earnings to average equity (ytd only) | 4.8892% | 2,199 |
| Net charge-offs to loans | -0.0027% | 4,554 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8625% | 3,623 |
| Assets per employee ($millions) | 3.5874% | 4,592 |
| Cash dividends to net income (ytd only)* | 74.8565% | 1,018 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1376% | 3,132 |
| Loan loss allowance to noncurrent loans | 131.6842% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 0.7437% | 2,109 |
| Noncurrent loans to loans | 0.8638% | 2,069 |
| Net loans and leases to total assets | 85.1135% | 337 |
| Net loans and leases to deposits | 96.5524% | 1,033 |
| Net loans and leases to core deposits | 97.7584% | 1,879 |
| Total domestic deposits to total assets | 88.1527% | 1,408 |
| Equity capital to assets | 9.3010% | 4,425 |
| Core capital (leverage) ratio | 9.1402% | 4,472 |
| Tier 1 risk-based capital ratio | 10.3309% | 5,436 |
| Total risk-based capital ratio | 11.4579% | 5,397 |
| Memoranda: |
| Average total assets | $254,149,600 | 2,460 |
| Average earning assets | $236,101,800 | 2,453 |
| Average equity | $24,196,400 | 2,737 |
| Average total loans | $224,716,400 | 1,969 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4212% | 289 |
| Cost of funding earning assets | 0.3012% | 4,114 |
| Net interest margin | 5.1200% | 184 |
| Noninterest income to average assets | 0.6421% | 2,244 |
| Noninterest expense to average assets | 3.5070% | 982 |
| Loan and lease loss provision to assets | 0.0479% | 3,144 |
| Net operating income to assets | 1.8347% | 435 |
| Return on assets (ROA) | 1.8347% | 444 |
| Pretax return on assets | 1.8390% | 803 |
| Return on Equity (ROE) | 19.1525% | 270 |
| Retained earnings to average equity (ytd only) | 0.9671% | 4,983 |
| Net charge-offs to loans | -0.0036% | 4,398 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2089% | 3,504 |
| Assets per employee ($millions) | 3.5755% | 4,614 |
| Cash dividends to net income (ytd only)* | 94.9508% | 373 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0882% | 3,561 |
| Loan loss allowance to noncurrent loans | 461.8794% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.2161% | 4,209 |
| Noncurrent loans to loans | 0.2356% | 4,116 |
| Net loans and leases to total assets | 90.7141% | 59 |
| Net loans and leases to deposits | 104.5827% | 470 |
| Net loans and leases to core deposits | 105.9567% | 1,278 |
| Total domestic deposits to total assets | 86.7392% | 1,979 |
| Equity capital to assets | 9.2131% | 4,715 |
| Core capital (leverage) ratio | 8.9594% | 4,785 |
| Tier 1 risk-based capital ratio | 9.6094% | 5,658 |
| Total risk-based capital ratio | 10.6918% | 5,653 |
| Memoranda: |
| Average total assets | $250,423,000 | 2,508 |
| Average earning assets | $232,415,500 | 2,491 |
| Average equity | $23,989,250 | 2,784 |
| Average total loans | $222,986,000 | 1,985 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3319% | 312 |
| Cost of funding earning assets | 0.2682% | 4,386 |
| Net interest margin | 5.0637% | 198 |
| Noninterest income to average assets | 0.6464% | 2,225 |
| Noninterest expense to average assets | 3.5643% | 915 |
| Loan and lease loss provision to assets | 0.0486% | 3,020 |
| Net operating income to assets | 1.7222% | 538 |
| Return on assets (ROA) | 1.7222% | 543 |
| Pretax return on assets | 1.7287% | 993 |
| Return on Equity (ROE) | 17.7388% | 349 |
| Retained earnings to average equity (ytd only) | -1.8440% | 5,334 |
| Net charge-offs to loans | -0.0055% | 4,363 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8781% | 3,372 |
| Assets per employee ($millions) | 3.5733% | 4,617 |
| Cash dividends to net income (ytd only)* | 110.3951% | 369 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0997% | 3,585 |
| Loan loss allowance to noncurrent loans | 565.9341% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.1963% | 4,391 |
| Noncurrent loans to loans | 0.1943% | 4,342 |
| Net loans and leases to total assets | 90.0114% | 76 |
| Net loans and leases to deposits | 110.9059% | 245 |
| Net loans and leases to core deposits | 112.2134% | 899 |
| Total domestic deposits to total assets | 81.1602% | 4,143 |
| Equity capital to assets | 9.1941% | 4,721 |
| Core capital (leverage) ratio | 9.1305% | 4,578 |
| Tier 1 risk-based capital ratio | 9.6950% | 5,682 |
| Total risk-based capital ratio | 10.7942% | 5,689 |
| Memoranda: |
| Average total assets | $246,894,330 | 2,542 |
| Average earning assets | $228,923,670 | 2,540 |
| Average equity | $23,970,000 | 2,785 |
| Average total loans | $217,522,330 | 2,026 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0885% | 454 |
| Cost of funding earning assets | 0.2395% | 4,639 |
| Net interest margin | 4.8490% | 285 |
| Noninterest income to average assets | 0.6421% | 2,215 |
| Noninterest expense to average assets | 3.5415% | 983 |
| Loan and lease loss provision to assets | 0.0496% | 2,818 |
| Net operating income to assets | 1.5275% | 770 |
| Return on assets (ROA) | 1.5275% | 796 |
| Pretax return on assets | 1.5407% | 1,412 |
| Return on Equity (ROE) | 15.3017% | 611 |
| Retained earnings to average equity (ytd only) | 9.3336% | 972 |
| Net charge-offs to loans | -0.0076% | 4,319 |
| Credit loss provision to net charge-offs | -750.0000% | 4,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1071% | 3,177 |
| Assets per employee ($millions) | 3.4760% | 4,825 |
| Cash dividends to net income (ytd only)* | 39.0033% | 2,037 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1935% | 3,174 |
| Loan loss allowance to noncurrent loans | 624.8157% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.5524% | 3,024 |
| Noncurrent loans to loans | 0.1910% | 4,441 |
| Net loans and leases to total assets | 87.7737% | 118 |
| Net loans and leases to deposits | 100.8769% | 557 |
| Net loans and leases to core deposits | 101.2958% | 1,423 |
| Total domestic deposits to total assets | 87.0107% | 2,208 |
| Equity capital to assets | 10.1820% | 3,527 |
| Core capital (leverage) ratio | 9.8692% | 3,665 |
| Tier 1 risk-based capital ratio | 10.9713% | 5,326 |
| Total risk-based capital ratio | 12.1599% | 5,281 |
| Memoranda: |
| Average total assets | $241,704,500 | 2,599 |
| Average earning assets | $223,799,000 | 2,607 |
| Average equity | $24,128,000 | 2,778 |
| Average total loans | $209,208,000 | 2,107 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4047% | 289 |
| Cost of funding earning assets | 0.2619% | 4,445 |
| Net interest margin | 5.1428% | 188 |
| Noninterest income to average assets | 0.6297% | 2,509 |
| Noninterest expense to average assets | 3.5036% | 1,154 |
| Loan and lease loss provision to assets | 0.1502% | 1,664 |
| Net operating income to assets | 1.7276% | 509 |
| Return on assets (ROA) | 1.7163% | 551 |
| Pretax return on assets | 1.7163% | 960 |
| Return on Equity (ROE) | 17.3835% | 371 |
| Retained earnings to average equity (ytd only) | 2.6120% | 4,033 |
| Net charge-offs to loans | -0.0010% | 4,645 |
| Credit loss provision to net charge-offs | -18,000.0000% | 5,520 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1827% | 3,910 |
| Assets per employee ($millions) | 3.4305% | 4,855 |
| Cash dividends to net income (ytd only)* | 84.9745% | 744 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2218% | 2,994 |
| Loan loss allowance to noncurrent loans | 806.7524% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.4841% | 3,325 |
| Noncurrent loans to loans | 0.1514% | 4,634 |
| Net loans and leases to total assets | 83.2813% | 454 |
| Net loans and leases to deposits | 95.2928% | 1,068 |
| Net loans and leases to core deposits | 95.6807% | 1,953 |
| Total domestic deposits to total assets | 87.3952% | 1,932 |
| Equity capital to assets | 9.7859% | 3,958 |
| Core capital (leverage) ratio | 9.6323% | 3,928 |
| Tier 1 risk-based capital ratio | 11.1473% | 5,254 |
| Total risk-based capital ratio | 12.3668% | 5,160 |
| Memoranda: |
| Average total assets | $239,642,000 | 2,581 |
| Average earning assets | $221,416,400 | 2,581 |
| Average equity | $23,660,400 | 2,829 |
| Average total loans | $208,308,800 | 2,056 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4395% | 278 |
| Cost of funding earning assets | 0.2675% | 4,420 |
| Net interest margin | 5.1720% | 181 |
| Noninterest income to average assets | 0.5966% | 2,679 |
| Noninterest expense to average assets | 3.4128% | 1,320 |
| Loan and lease loss provision to assets | 0.1508% | 1,546 |
| Net operating income to assets | 1.8073% | 485 |
| Return on assets (ROA) | 1.8073% | 513 |
| Pretax return on assets | 1.8073% | 891 |
| Return on Equity (ROE) | 18.2634% | 337 |
| Retained earnings to average equity (ytd only) | 2.2018% | 4,594 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5962% | 4,125 |
| Assets per employee ($millions) | 3.3279% | 5,013 |
| Cash dividends to net income (ytd only)* | 87.9443% | 571 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1338% | 3,653 |
| Loan loss allowance to noncurrent loans | 376.4798% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.5367% | 3,316 |
| Noncurrent loans to loans | 0.3012% | 4,172 |
| Net loans and leases to total assets | 87.9632% | 134 |
| Net loans and leases to deposits | 104.3009% | 438 |
| Net loans and leases to core deposits | 104.8796% | 1,280 |
| Total domestic deposits to total assets | 84.3360% | 3,082 |
| Equity capital to assets | 9.8921% | 4,249 |
| Core capital (leverage) ratio | 9.6144% | 4,036 |
| Tier 1 risk-based capital ratio | 10.6093% | 5,567 |
| Total risk-based capital ratio | 11.7394% | 5,546 |
| Memoranda: |
| Average total assets | $238,661,250 | 2,601 |
| Average earning assets | $220,310,000 | 2,607 |
| Average equity | $23,616,750 | 2,855 |
| Average total loans | $209,047,750 | 2,061 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3662% | 317 |
| Cost of funding earning assets | 0.2690% | 4,450 |
| Net interest margin | 5.0972% | 210 |
| Noninterest income to average assets | 0.5899% | 2,672 |
| Noninterest expense to average assets | 3.4026% | 1,369 |
| Loan and lease loss provision to assets | 0.1510% | 1,514 |
| Net operating income to assets | 1.7428% | 529 |
| Return on assets (ROA) | 1.7428% | 561 |
| Pretax return on assets | 1.7428% | 996 |
| Return on Equity (ROE) | 17.6104% | 388 |
| Retained earnings to average equity (ytd only) | 1.0768% | 4,956 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2605% | 4,146 |
| Assets per employee ($millions) | 3.3646% | 4,980 |
| Cash dividends to net income (ytd only)* | 93.8854% | 609 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0803% | 4,046 |
| Loan loss allowance to noncurrent loans | 770.5298% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.3960% | 3,909 |
| Noncurrent loans to loans | 0.1402% | 4,869 |
| Net loans and leases to total assets | 89.1921% | 91 |
| Net loans and leases to deposits | 106.5089% | 349 |
| Net loans and leases to core deposits | 107.1048% | 1,095 |
| Total domestic deposits to total assets | 83.7415% | 3,369 |
| Equity capital to assets | 9.8146% | 4,432 |
| Core capital (leverage) ratio | 9.5222% | 4,178 |
| Tier 1 risk-based capital ratio | 10.3631% | 5,738 |
| Total risk-based capital ratio | 11.4392% | 5,732 |
| Memoranda: |
| Average total assets | $238,346,330 | 2,613 |
| Average earning assets | $220,083,000 | 2,612 |
| Average equity | $23,588,330 | 2,865 |
| Average total loans | $207,669,670 | 2,075 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2360% | 393 |
| Cost of funding earning assets | 0.2692% | 4,512 |
| Net interest margin | 4.9668% | 269 |
| Noninterest income to average assets | 0.6166% | 2,432 |
| Noninterest expense to average assets | 3.4157% | 1,350 |
| Loan and lease loss provision to assets | 0.1512% | 1,404 |
| Net operating income to assets | 1.6381% | 652 |
| Return on assets (ROA) | 1.6381% | 689 |
| Pretax return on assets | 1.6381% | 1,209 |
| Return on Equity (ROE) | 16.4839% | 490 |
| Retained earnings to average equity (ytd only) | 13.9479% | 322 |
| Net charge-offs to loans | 0.0020% | 3,054 |
| Credit loss provision to net charge-offs | 9,000.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 1,065.0000% | 39 |
| Efficiency ratio | 64.6223% | 4,029 |
| Assets per employee ($millions) | 3.2586% | 5,186 |
| Cash dividends to net income (ytd only)* | 15.3846% | 2,628 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0848% | 4,137 |
| Loan loss allowance to noncurrent loans | 760.5442% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.4420% | 3,820 |
| Noncurrent loans to loans | 0.1426% | 4,907 |
| Net loans and leases to total assets | 86.8993% | 172 |
| Net loans and leases to deposits | 99.7974% | 636 |
| Net loans and leases to core deposits | 100.3440% | 1,456 |
| Total domestic deposits to total assets | 87.0758% | 2,173 |
| Equity capital to assets | 10.2689% | 3,776 |
| Core capital (leverage) ratio | 9.7880% | 3,793 |
| Tier 1 risk-based capital ratio | 11.1483% | 5,426 |
| Total risk-based capital ratio | 12.2280% | 5,423 |
| Memoranda: |
| Average total assets | $238,074,500 | 2,630 |
| Average earning assets | $219,939,500 | 2,623 |
| Average equity | $23,659,500 | 2,861 |
| Average total loans | $203,805,500 | 2,109 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4959% | 262 |
| Cost of funding earning assets | 0.2864% | 4,402 |
| Net interest margin | 5.2095% | 180 |
| Noninterest income to average assets | 0.5940% | 2,750 |
| Noninterest expense to average assets | 3.3843% | 1,515 |
| Loan and lease loss provision to assets | 0.2679% | 688 |
| Net operating income to assets | 1.7432% | 533 |
| Return on assets (ROA) | 1.7432% | 557 |
| Pretax return on assets | 1.7440% | 908 |
| Return on Equity (ROE) | 19.0400% | 305 |
| Retained earnings to average equity (ytd only) | 13.9549% | 164 |
| Net charge-offs to loans | 0.0458% | 3,301 |
| Credit loss provision to net charge-offs | 677.4194% | 496 |
| Earnings coverage of net charge-offs (x) | 50.8817% | 986 |
| Efficiency ratio | 61.6766% | 4,661 |
| Assets per employee ($millions) | 3.3546% | 5,058 |
| Cash dividends to net income (ytd only)* | 26.7073% | 3,502 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0656% | 4,236 |
| Loan loss allowance to noncurrent loans | 694.8220% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.4244% | 3,909 |
| Noncurrent loans to loans | 0.1534% | 4,881 |
| Net loans and leases to total assets | 82.5345% | 543 |
| Net loans and leases to deposits | 94.0763% | 1,196 |
| Net loans and leases to core deposits | 94.5722% | 1,992 |
| Total domestic deposits to total assets | 87.7314% | 1,779 |
| Equity capital to assets | 9.6163% | 4,420 |
| Core capital (leverage) ratio | 9.4312% | 4,279 |
| Tier 1 risk-based capital ratio | 10.9873% | 5,528 |
| Total risk-based capital ratio | 12.0439% | 5,540 |
| Memoranda: |
| Average total assets | $235,200,600 | 2,618 |
| Average earning assets | $216,817,400 | 2,614 |
| Average equity | $21,533,600 | 3,022 |
| Average total loans | $202,921,000 | 2,048 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4954% | 269 |
| Cost of funding earning assets | 0.2913% | 4,438 |
| Net interest margin | 5.2041% | 183 |
| Noninterest income to average assets | 0.5935% | 2,779 |
| Noninterest expense to average assets | 3.2999% | 1,691 |
| Loan and lease loss provision to assets | 0.1883% | 1,086 |
| Net operating income to assets | 1.8948% | 429 |
| Return on assets (ROA) | 1.8948% | 451 |
| Pretax return on assets | 1.8971% | 732 |
| Return on Equity (ROE) | 20.9685% | 218 |
| Retained earnings to average equity (ytd only) | 14.0527% | 207 |
| Net charge-offs to loans | 0.0617% | 2,712 |
| Credit loss provision to net charge-offs | 351.0638% | 838 |
| Earnings coverage of net charge-offs (x) | 38.8724% | 1,274 |
| Efficiency ratio | 60.2056% | 4,866 |
| Assets per employee ($millions) | 3.3169% | 5,093 |
| Cash dividends to net income (ytd only)* | 32.9818% | 2,668 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8839% | 5,262 |
| Loan loss allowance to noncurrent loans | 575.0779% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.4701% | 3,919 |
| Noncurrent loans to loans | 0.1537% | 5,023 |
| Net loans and leases to total assets | 87.9001% | 145 |
| Net loans and leases to deposits | 102.9871% | 493 |
| Net loans and leases to core deposits | 103.5610% | 1,262 |
| Total domestic deposits to total assets | 85.3506% | 2,848 |
| Equity capital to assets | 9.5449% | 4,701 |
| Core capital (leverage) ratio | 9.3096% | 4,574 |
| Tier 1 risk-based capital ratio | 10.1615% | 5,994 |
| Total risk-based capital ratio | 11.0326% | 6,063 |
| Memoranda: |
| Average total assets | $233,618,750 | 2,653 |
| Average earning assets | $215,106,250 | 2,649 |
| Average equity | $21,110,500 | 3,082 |
| Average total loans | $203,278,500 | 2,060 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3980% | 313 |
| Cost of funding earning assets | 0.2918% | 4,488 |
| Net interest margin | 5.1062% | 208 |
| Noninterest income to average assets | 0.5665% | 2,933 |
| Noninterest expense to average assets | 3.3065% | 1,686 |
| Loan and lease loss provision to assets | 0.1545% | 1,378 |
| Net operating income to assets | 1.8044% | 512 |
| Return on assets (ROA) | 1.8044% | 535 |
| Pretax return on assets | 1.8078% | 884 |
| Return on Equity (ROE) | 20.3538% | 253 |
| Retained earnings to average equity (ytd only) | 9.7508% | 716 |
| Net charge-offs to loans | 0.0437% | 2,826 |
| Credit loss provision to net charge-offs | 409.0909% | 733 |
| Earnings coverage of net charge-offs (x) | 51.9545% | 931 |
| Efficiency ratio | 61.6325% | 4,737 |
| Assets per employee ($millions) | 3.4033% | 4,972 |
| Cash dividends to net income (ytd only)* | 52.0932% | 1,854 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8374% | 5,503 |
| Loan loss allowance to noncurrent loans | 329.4340% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.4957% | 3,965 |
| Noncurrent loans to loans | 0.2542% | 4,765 |
| Net loans and leases to total assets | 86.7905% | 194 |
| Net loans and leases to deposits | 103.2736% | 487 |
| Net loans and leases to core deposits | 103.5400% | 1,219 |
| Total domestic deposits to total assets | 84.0394% | 3,547 |
| Equity capital to assets | 8.9040% | 5,340 |
| Core capital (leverage) ratio | 8.7298% | 5,291 |
| Tier 1 risk-based capital ratio | 9.6143% | 6,179 |
| Total risk-based capital ratio | 10.4431% | 6,219 |
| Memoranda: |
| Average total assets | $232,992,330 | 2,678 |
| Average earning assets | $214,562,330 | 2,675 |
| Average equity | $20,654,670 | 3,146 |
| Average total loans | $201,421,670 | 2,078 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2352% | 389 |
| Cost of funding earning assets | 0.2943% | 4,507 |
| Net interest margin | 4.9409% | 270 |
| Noninterest income to average assets | 0.6251% | 2,522 |
| Noninterest expense to average assets | 3.3546% | 1,590 |
| Loan and lease loss provision to assets | 0.1563% | 1,299 |
| Net operating income to assets | 1.6547% | 653 |
| Return on assets (ROA) | 1.6547% | 682 |
| Pretax return on assets | 1.6616% | 1,134 |
| Return on Equity (ROE) | 18.7083% | 335 |
| Retained earnings to average equity (ytd only) | 6.0463% | 2,470 |
| Net charge-offs to loans | 0.0182% | 2,799 |
| Credit loss provision to net charge-offs | 1,000.0000% | 329 |
| Earnings coverage of net charge-offs (x) | 116.3333% | 430 |
| Efficiency ratio | 63.6791% | 4,525 |
| Assets per employee ($millions) | 3.3309% | 5,195 |
| Cash dividends to net income (ytd only)* | 67.6810% | 1,232 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8492% | 5,574 |
| Loan loss allowance to noncurrent loans | 284.2017% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.5617% | 3,791 |
| Noncurrent loans to loans | 0.2988% | 4,721 |
| Net loans and leases to total assets | 85.9035% | 200 |
| Net loans and leases to deposits | 97.2643% | 746 |
| Net loans and leases to core deposits | 97.6347% | 1,507 |
| Total domestic deposits to total assets | 88.3196% | 1,648 |
| Equity capital to assets | 8.9492% | 5,349 |
| Core capital (leverage) ratio | 8.6213% | 5,405 |
| Tier 1 risk-based capital ratio | 9.7301% | 6,229 |
| Total risk-based capital ratio | 10.5721% | 6,275 |
| Memoranda: |
| Average total assets | $230,373,500 | 2,718 |
| Average earning assets | $212,024,500 | 2,709 |
| Average equity | $20,376,000 | 3,192 |
| Average total loans | $197,879,000 | 2,100 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2649% | 468 |
| Cost of funding earning assets | 0.2764% | 5,036 |
| Net interest margin | 4.9885% | 312 |
| Noninterest income to average assets | 0.6543% | 2,528 |
| Noninterest expense to average assets | 3.4228% | 1,652 |
| Loan and lease loss provision to assets | 0.2489% | 920 |
| Net operating income to assets | 1.5711% | 754 |
| Return on assets (ROA) | 1.5711% | 786 |
| Pretax return on assets | 1.5720% | 1,316 |
| Return on Equity (ROE) | 17.8359% | 415 |
| Retained earnings to average equity (ytd only) | 5.7381% | 2,108 |
| Net charge-offs to loans | 0.1739% | 2,286 |
| Credit loss provision to net charge-offs | 177.4194% | 1,368 |
| Earnings coverage of net charge-offs (x) | 12.9806% | 2,317 |
| Efficiency ratio | 64.0059% | 4,583 |
| Assets per employee ($millions) | 3.3466% | 5,177 |
| Cash dividends to net income (ytd only)* | 67.8283% | 1,389 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8188% | 5,729 |
| Loan loss allowance to noncurrent loans | 234.3523% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.5859% | 3,834 |
| Noncurrent loans to loans | 0.3494% | 4,609 |
| Net loans and leases to total assets | 84.4568% | 309 |
| Net loans and leases to deposits | 95.3602% | 953 |
| Net loans and leases to core deposits | 95.7201% | 1,750 |
| Total domestic deposits to total assets | 88.5660% | 1,483 |
| Equity capital to assets | 8.7408% | 5,542 |
| Core capital (leverage) ratio | 8.6258% | 5,415 |
| Tier 1 risk-based capital ratio | 9.6495% | 6,331 |
| Total risk-based capital ratio | 10.4705% | 6,367 |
| Memoranda: |
| Average total assets | $220,985,800 | 2,771 |
| Average earning assets | $203,308,000 | 2,768 |
| Average equity | $19,466,400 | 3,221 |
| Average total loans | $178,292,200 | 2,247 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1922% | 533 |
| Cost of funding earning assets | 0.2833% | 5,058 |
| Net interest margin | 4.9090% | 344 |
| Noninterest income to average assets | 0.6871% | 2,395 |
| Noninterest expense to average assets | 3.3665% | 1,750 |
| Loan and lease loss provision to assets | 0.2715% | 772 |
| Net operating income to assets | 1.5633% | 822 |
| Return on assets (ROA) | 1.5633% | 858 |
| Pretax return on assets | 1.5645% | 1,444 |
| Return on Equity (ROE) | 17.7109% | 469 |
| Retained earnings to average equity (ytd only) | 4.1270% | 3,719 |
| Net charge-offs to loans | 0.1788% | 2,020 |
| Credit loss provision to net charge-offs | 190.9871% | 1,316 |
| Earnings coverage of net charge-offs (x) | 12.9141% | 2,275 |
| Efficiency ratio | 63.3826% | 4,650 |
| Assets per employee ($millions) | 3.1470% | 5,520 |
| Cash dividends to net income (ytd only)* | 76.6979% | 824 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8326% | 5,784 |
| Loan loss allowance to noncurrent loans | 256.8182% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.3445% | 4,890 |
| Noncurrent loans to loans | 0.3242% | 4,936 |
| Net loans and leases to total assets | 86.7715% | 158 |
| Net loans and leases to deposits | 95.7205% | 904 |
| Net loans and leases to core deposits | 96.1052% | 1,667 |
| Total domestic deposits to total assets | 90.6509% | 471 |
| Equity capital to assets | 9.0516% | 5,301 |
| Core capital (leverage) ratio | 8.5021% | 5,656 |
| Tier 1 risk-based capital ratio | 9.7168% | 6,404 |
| Total risk-based capital ratio | 10.5536% | 6,441 |
| Memoranda: |
| Average total assets | $218,503,000 | 2,820 |
| Average earning assets | $200,987,000 | 2,817 |
| Average equity | $19,287,000 | 3,255 |
| Average total loans | $173,706,500 | 2,309 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0036% | 747 |
| Cost of funding earning assets | 0.2847% | 5,135 |
| Net interest margin | 4.7189% | 467 |
| Noninterest income to average assets | 0.6312% | 2,650 |
| Noninterest expense to average assets | 3.3669% | 1,760 |
| Loan and lease loss provision to assets | 0.1114% | 2,166 |
| Net operating income to assets | 1.4971% | 873 |
| Return on assets (ROA) | 1.4971% | 906 |
| Pretax return on assets | 1.4980% | 1,541 |
| Return on Equity (ROE) | 17.1047% | 543 |
| Retained earnings to average equity (ytd only) | 4.0596% | 3,589 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2445% | 4,325 |
| Assets per employee ($millions) | 3.0411% | 5,700 |
| Cash dividends to net income (ytd only)* | 76.2660% | 997 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8286% | 5,909 |
| Loan loss allowance to noncurrent loans | 423.8636% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.1848% | 5,578 |
| Noncurrent loans to loans | 0.1955% | 5,431 |
| Net loans and leases to total assets | 82.7006% | 403 |
| Net loans and leases to deposits | 91.1673% | 1,255 |
| Net loans and leases to core deposits | 91.5346% | 1,970 |
| Total domestic deposits to total assets | 90.7130% | 501 |
| Equity capital to assets | 9.0160% | 5,283 |
| Core capital (leverage) ratio | 8.4461% | 5,691 |
| Tier 1 risk-based capital ratio | 10.1479% | 6,348 |
| Total risk-based capital ratio | 10.9816% | 6,446 |
| Memoranda: |
| Average total assets | $218,955,670 | 2,823 |
| Average earning assets | $201,613,000 | 2,818 |
| Average equity | $19,164,330 | 3,258 |
| Average total loans | $168,274,670 | 2,351 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6218% | 1,450 |
| Cost of funding earning assets | 0.2951% | 5,114 |
| Net interest margin | 4.3267% | 950 |
| Noninterest income to average assets | 0.5842% | 2,837 |
| Noninterest expense to average assets | 3.3038% | 1,939 |
| Loan and lease loss provision to assets | 0.0871% | 2,465 |
| Net operating income to assets | 1.1829% | 1,533 |
| Return on assets (ROA) | 1.1829% | 1,599 |
| Pretax return on assets | 1.1829% | 2,559 |
| Return on Equity (ROE) | 13.7169% | 998 |
| Retained earnings to average equity (ytd only) | 1.0940% | 5,164 |
| Net charge-offs to loans | 0.0025% | 3,629 |
| Credit loss provision to net charge-offs | 4,800.0000% | 80 |
| Earnings coverage of net charge-offs (x) | 700.0000% | 44 |
| Efficiency ratio | 70.7259% | 3,699 |
| Assets per employee ($millions) | 3.0793% | 5,729 |
| Cash dividends to net income (ytd only)* | 92.0245% | 788 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8834% | 5,915 |
| Loan loss allowance to noncurrent loans | 264.8598% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.2474% | 5,445 |
| Noncurrent loans to loans | 0.3335% | 5,113 |
| Net loans and leases to total assets | 72.7180% | 1,458 |
| Net loans and leases to deposits | 79.8963% | 2,303 |
| Net loans and leases to core deposits | 80.2115% | 2,945 |
| Total domestic deposits to total assets | 91.0155% | 560 |
| Equity capital to assets | 8.7270% | 5,424 |
| Core capital (leverage) ratio | 8.1958% | 5,952 |
| Tier 1 risk-based capital ratio | 11.2267% | 6,057 |
| Total risk-based capital ratio | 12.1200% | 6,158 |
| Memoranda: |
| Average total assets | $220,476,000 | 2,825 |
| Average earning assets | $203,296,500 | 2,818 |
| Average equity | $19,013,000 | 3,279 |
| Average total loans | $162,384,500 | 2,429 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8439% | 1,216 |
| Cost of funding earning assets | 0.4240% | 4,388 |
| Net interest margin | 4.4199% | 879 |
| Noninterest income to average assets | 0.6551% | 2,781 |
| Noninterest expense to average assets | 3.3941% | 1,894 |
| Loan and lease loss provision to assets | 0.0895% | 3,322 |
| Net operating income to assets | 1.2234% | 1,475 |
| Return on assets (ROA) | 1.2234% | 1,543 |
| Pretax return on assets | 1.2257% | 2,478 |
| Return on Equity (ROE) | 14.5327% | 845 |
| Retained earnings to average equity (ytd only) | 7.2121% | 1,355 |
| Net charge-offs to loans | 0.0796% | 4,106 |
| Credit loss provision to net charge-offs | 161.9835% | 1,417 |
| Earnings coverage of net charge-offs (x) | 23.8099% | 1,395 |
| Efficiency ratio | 70.4924% | 3,758 |
| Assets per employee ($millions) | 3.0043% | 5,832 |
| Cash dividends to net income (ytd only)* | 50.3731% | 2,259 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8329% | 6,095 |
| Loan loss allowance to noncurrent loans | 242.3009% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.2568% | 5,489 |
| Noncurrent loans to loans | 0.3437% | 5,156 |
| Net loans and leases to total assets | 73.3170% | 1,468 |
| Net loans and leases to deposits | 80.3758% | 2,406 |
| Net loans and leases to core deposits | 80.5829% | 3,054 |
| Total domestic deposits to total assets | 91.2177% | 496 |
| Equity capital to assets | 8.5219% | 5,558 |
| Core capital (leverage) ratio | 8.1941% | 5,982 |
| Tier 1 risk-based capital ratio | 10.8550% | 6,241 |
| Total risk-based capital ratio | 11.6937% | 6,338 |
| Memoranda: |
| Average total assets | $219,055,000 | 2,818 |
| Average earning assets | $200,932,000 | 2,814 |
| Average equity | $18,441,200 | 3,348 |
| Average total loans | $151,975,000 | 2,534 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8364% | 1,272 |
| Cost of funding earning assets | 0.4469% | 4,310 |
| Net interest margin | 4.3894% | 919 |
| Noninterest income to average assets | 0.6531% | 2,868 |
| Noninterest expense to average assets | 3.2594% | 2,181 |
| Loan and lease loss provision to assets | 0.0916% | 3,238 |
| Net operating income to assets | 1.3196% | 1,297 |
| Return on assets (ROA) | 1.3196% | 1,356 |
| Pretax return on assets | 1.3221% | 2,248 |
| Return on Equity (ROE) | 15.7244% | 679 |
| Retained earnings to average equity (ytd only) | 8.4446% | 1,239 |
| Net charge-offs to loans | 0.0985% | 3,572 |
| Credit loss provision to net charge-offs | 136.3636% | 1,719 |
| Earnings coverage of net charge-offs (x) | 21.0368% | 1,563 |
| Efficiency ratio | 68.1135% | 4,077 |
| Assets per employee ($millions) | 2.9385% | 5,942 |
| Cash dividends to net income (ytd only)* | 46.2963% | 2,037 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8579% | 6,167 |
| Loan loss allowance to noncurrent loans | 283.2272% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.2224% | 5,780 |
| Noncurrent loans to loans | 0.3029% | 5,473 |
| Net loans and leases to total assets | 71.8674% | 1,619 |
| Net loans and leases to deposits | 78.9959% | 2,534 |
| Net loans and leases to core deposits | 80.9109% | 3,014 |
| Total domestic deposits to total assets | 90.9761% | 544 |
| Equity capital to assets | 8.7959% | 5,426 |
| Core capital (leverage) ratio | 8.1595% | 6,099 |
| Tier 1 risk-based capital ratio | 11.1065% | 6,231 |
| Total risk-based capital ratio | 11.9527% | 6,361 |
| Memoranda: |
| Average total assets | $218,238,500 | 2,851 |
| Average earning assets | $199,869,750 | 2,854 |
| Average equity | $18,315,000 | 3,403 |
| Average total loans | $148,876,750 | 2,587 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7132% | 1,531 |
| Cost of funding earning assets | 0.4578% | 4,343 |
| Net interest margin | 4.2554% | 1,125 |
| Noninterest income to average assets | 0.6360% | 2,983 |
| Noninterest expense to average assets | 3.2148% | 2,313 |
| Loan and lease loss provision to assets | 0.0911% | 3,268 |
| Net operating income to assets | 1.2329% | 1,507 |
| Return on assets (ROA) | 1.2329% | 1,609 |
| Pretax return on assets | 1.2347% | 2,541 |
| Return on Equity (ROE) | 14.9250% | 823 |
| Retained earnings to average equity (ytd only) | 3.8940% | 3,817 |
| Net charge-offs to loans | 0.0736% | 3,654 |
| Credit loss provision to net charge-offs | 185.1852% | 1,288 |
| Earnings coverage of net charge-offs (x) | 26.9444% | 1,229 |
| Efficiency ratio | 69.0949% | 3,992 |
| Assets per employee ($millions) | 3.1289% | 5,620 |
| Cash dividends to net income (ytd only)* | 73.9098% | 1,070 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9074% | 6,114 |
| Loan loss allowance to noncurrent loans | 239.0374% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.2700% | 5,683 |
| Noncurrent loans to loans | 0.3796% | 5,330 |
| Net loans and leases to total assets | 67.8291% | 2,279 |
| Net loans and leases to deposits | 74.1748% | 3,128 |
| Net loans and leases to core deposits | 76.3433% | 3,503 |
| Total domestic deposits to total assets | 91.4450% | 399 |
| Equity capital to assets | 8.3628% | 5,904 |
| Core capital (leverage) ratio | 7.7725% | 6,323 |
| Tier 1 risk-based capital ratio | 11.0158% | 6,324 |
| Total risk-based capital ratio | 11.9023% | 6,435 |
| Memoranda: |
| Average total assets | $219,481,670 | 2,847 |
| Average earning assets | $201,390,330 | 2,849 |
| Average equity | $18,130,670 | 3,456 |
| Average total loans | $146,670,330 | 2,624 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6108% | 1,797 |
| Cost of funding earning assets | 0.4575% | 4,507 |
| Net interest margin | 4.1533% | 1,317 |
| Noninterest income to average assets | 0.6490% | 2,883 |
| Noninterest expense to average assets | 3.1075% | 2,649 |
| Loan and lease loss provision to assets | 0.0904% | 3,154 |
| Net operating income to assets | 1.2582% | 1,379 |
| Return on assets (ROA) | 1.2582% | 1,479 |
| Pretax return on assets | 1.2582% | 2,381 |
| Return on Equity (ROE) | 15.3232% | 696 |
| Retained earnings to average equity (ytd only) | 8.7184% | 1,481 |
| Net charge-offs to loans | 0.1314% | 2,616 |
| Credit loss provision to net charge-offs | 104.1667% | 1,769 |
| Earnings coverage of net charge-offs (x) | 15.5417% | 1,396 |
| Efficiency ratio | 67.9919% | 4,308 |
| Assets per employee ($millions) | 3.1233% | 5,778 |
| Cash dividends to net income (ytd only)* | 43.1034% | 1,754 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9083% | 6,240 |
| Loan loss allowance to noncurrent loans | 154.2212% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 0.3892% | 5,425 |
| Noncurrent loans to loans | 0.5890% | 4,967 |
| Net loans and leases to total assets | 63.8094% | 2,746 |
| Net loans and leases to deposits | 70.3596% | 3,419 |
| Net loans and leases to core deposits | 72.4976% | 3,762 |
| Total domestic deposits to total assets | 90.6905% | 674 |
| Equity capital to assets | 8.2836% | 6,199 |
| Core capital (leverage) ratio | 7.5679% | 6,443 |
| Tier 1 risk-based capital ratio | 11.3665% | 6,250 |
| Total risk-based capital ratio | 12.2513% | 6,379 |
| Memoranda: |
| Average total assets | $221,274,000 | 2,857 |
| Average earning assets | $202,826,000 | 2,870 |
| Average equity | $18,168,500 | 3,503 |
| Average total loans | $146,114,500 | 2,642 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7857% | 379 |
| Cost of funding earning assets | 0.7644% | 2,969 |
| Net interest margin | 5.0213% | 379 |
| Noninterest income to average assets | 0.6823% | 2,822 |
| Noninterest expense to average assets | 3.4086% | 2,025 |
| Loan and lease loss provision to assets | 0.1142% | 4,210 |
| Net operating income to assets | 1.4474% | 1,012 |
| Return on assets (ROA) | 1.4582% | 1,104 |
| Pretax return on assets | 1.4611% | 1,811 |
| Return on Equity (ROE) | 14.8518% | 837 |
| Retained earnings to average equity (ytd only) | 8.4552% | 981 |
| Net charge-offs to loans | 0.0404% | 5,356 |
| Credit loss provision to net charge-offs | 392.1569% | 617 |
| Earnings coverage of net charge-offs (x) | 53.7255% | 646 |
| Efficiency ratio | 67.7268% | 4,201 |
| Assets per employee ($millions) | 3.1098% | 5,825 |
| Cash dividends to net income (ytd only)* | 43.0697% | 2,689 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8659% | 6,358 |
| Loan loss allowance to noncurrent loans | 330.1020% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.1875% | 6,095 |
| Noncurrent loans to loans | 0.2623% | 5,825 |
| Net loans and leases to total assets | 67.0933% | 2,347 |
| Net loans and leases to deposits | 73.8518% | 3,108 |
| Net loans and leases to core deposits | 76.1004% | 3,519 |
| Total domestic deposits to total assets | 90.8486% | 544 |
| Equity capital to assets | 8.1378% | 6,332 |
| Core capital (leverage) ratio | 7.4024% | 6,535 |
| Tier 1 risk-based capital ratio | 10.5398% | 6,538 |
| Total risk-based capital ratio | 11.3803% | 6,637 |
| Memoranda: |
| Average total assets | $175,145,000 | 3,375 |
| Average earning assets | $149,661,600 | 3,560 |
| Average equity | $17,196,600 | 3,586 |
| Average total loans | $126,183,200 | 2,952 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0554% | 268 |
| Cost of funding earning assets | 0.8265% | 2,734 |
| Net interest margin | 5.2290% | 279 |
| Noninterest income to average assets | 0.6563% | 2,962 |
| Noninterest expense to average assets | 3.3395% | 2,159 |
| Loan and lease loss provision to assets | 0.1222% | 4,024 |
| Net operating income to assets | 1.5553% | 939 |
| Return on assets (ROA) | 1.5708% | 1,007 |
| Pretax return on assets | 1.5741% | 1,660 |
| Return on Equity (ROE) | 15.1257% | 879 |
| Retained earnings to average equity (ytd only) | 8.8528% | 1,287 |
| Net charge-offs to loans | 0.0310% | 5,214 |
| Credit loss provision to net charge-offs | 535.7143% | 501 |
| Earnings coverage of net charge-offs (x) | 73.7190% | 563 |
| Efficiency ratio | 66.0665% | 4,442 |
| Assets per employee ($millions) | 3.2384% | 5,562 |
| Cash dividends to net income (ytd only)* | 41.4722% | 2,086 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8664% | 6,468 |
| Loan loss allowance to noncurrent loans | 284.3049% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.2333% | 6,119 |
| Noncurrent loans to loans | 0.3047% | 5,878 |
| Net loans and leases to total assets | 68.9272% | 2,127 |
| Net loans and leases to deposits | 76.1388% | 2,961 |
| Net loans and leases to core deposits | 78.5941% | 3,375 |
| Total domestic deposits to total assets | 90.5284% | 590 |
| Equity capital to assets | 8.3865% | 6,363 |
| Core capital (leverage) ratio | 7.5925% | 6,571 |
| Tier 1 risk-based capital ratio | 10.5274% | 6,658 |
| Total risk-based capital ratio | 11.3692% | 6,746 |
| Memoranda: |
| Average total assets | $163,732,000 | 3,584 |
| Average earning assets | $136,645,750 | 3,818 |
| Average equity | $17,003,750 | 3,655 |
| Average total loans | $120,370,500 | 3,106 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2011% | 218 |
| Cost of funding earning assets | 0.8879% | 2,504 |
| Net interest margin | 5.3132% | 241 |
| Noninterest income to average assets | 0.6750% | 2,803 |
| Noninterest expense to average assets | 3.4061% | 2,018 |
| Loan and lease loss provision to assets | 0.1350% | 3,840 |
| Net operating income to assets | 1.5917% | 851 |
| Return on assets (ROA) | 1.5917% | 951 |
| Pretax return on assets | 1.5930% | 1,570 |
| Return on Equity (ROE) | 14.0463% | 1,104 |
| Retained earnings to average equity (ytd only) | 8.0894% | 1,605 |
| Net charge-offs to loans | 0.0537% | 4,655 |
| Credit loss provision to net charge-offs | 333.3333% | 881 |
| Earnings coverage of net charge-offs (x) | 42.6667% | 834 |
| Efficiency ratio | 66.3424% | 4,475 |
| Assets per employee ($millions) | 2.7103% | 6,518 |
| Cash dividends to net income (ytd only)* | 42.4088% | 2,061 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0308% | 6,028 |
| Loan loss allowance to noncurrent loans | 298.7715% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.3874% | 5,814 |
| Noncurrent loans to loans | 0.3450% | 5,859 |
| Net loans and leases to total assets | 79.7673% | 541 |
| Net loans and leases to deposits | 94.1226% | 759 |
| Net loans and leases to core deposits | 98.8644% | 1,188 |
| Total domestic deposits to total assets | 84.7483% | 3,976 |
| Equity capital to assets | 11.7145% | 2,396 |
| Core capital (leverage) ratio | 11.1887% | 2,134 |
| Tier 1 risk-based capital ratio | 13.4385% | 4,874 |
| Total risk-based capital ratio | 14.4418% | 5,020 |
| Memoranda: |
| Average total assets | $148,145,000 | 3,869 |
| Average earning assets | $124,332,330 | 4,070 |
| Average equity | $16,787,330 | 3,684 |
| Average total loans | $111,709,000 | 3,295 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8918% | 362 |
| Cost of funding earning assets | 0.9092% | 2,618 |
| Net interest margin | 4.9826% | 412 |
| Noninterest income to average assets | 0.6361% | 3,016 |
| Noninterest expense to average assets | 3.2636% | 2,408 |
| Loan and lease loss provision to assets | 0.1342% | 3,673 |
| Net operating income to assets | 1.3688% | 1,281 |
| Return on assets (ROA) | 1.3688% | 1,434 |
| Pretax return on assets | 1.3715% | 2,280 |
| Return on Equity (ROE) | 12.2829% | 1,589 |
| Retained earnings to average equity (ytd only) | 7.4661% | 2,192 |
| Net charge-offs to loans | 0.0995% | 3,541 |
| Credit loss provision to net charge-offs | 185.1852% | 1,416 |
| Earnings coverage of net charge-offs (x) | 20.7778% | 1,179 |
| Efficiency ratio | 68.4299% | 4,084 |
| Assets per employee ($millions) | 2.7560% | 6,571 |
| Cash dividends to net income (ytd only)* | 39.2157% | 1,786 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0710% | 6,006 |
| Loan loss allowance to noncurrent loans | 121.6441% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.8137% | 4,913 |
| Noncurrent loans to loans | 0.8805% | 4,909 |
| Net loans and leases to total assets | 72.5546% | 1,308 |
| Net loans and leases to deposits | 85.1018% | 1,527 |
| Net loans and leases to core deposits | 89.4680% | 1,905 |
| Total domestic deposits to total assets | 85.2563% | 3,903 |
| Equity capital to assets | 11.2698% | 2,655 |
| Core capital (leverage) ratio | 10.7537% | 2,488 |
| Tier 1 risk-based capital ratio | 14.0673% | 4,425 |
| Total risk-based capital ratio | 15.1002% | 4,547 |
| Memoranda: |
| Average total assets | $149,039,000 | 3,889 |
| Average earning assets | $123,629,500 | 4,114 |
| Average equity | $16,608,500 | 3,711 |
| Average total loans | $108,583,000 | 3,387 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1885% | 316 |
| Cost of funding earning assets | 1.1625% | 2,267 |
| Net interest margin | 5.0260% | 396 |
| Noninterest income to average assets | 0.5950% | 3,192 |
| Noninterest expense to average assets | 3.6505% | 1,637 |
| Loan and lease loss provision to assets | 0.0601% | 5,854 |
| Net operating income to assets | 0.9897% | 2,237 |
| Return on assets (ROA) | 0.9897% | 2,380 |
| Pretax return on assets | 0.9954% | 3,259 |
| Return on Equity (ROE) | 10.4604% | 1,886 |
| Retained earnings to average equity (ytd only) | 4.1049% | 3,268 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5707% | 2,650 |
| Assets per employee ($millions) | 2.7137% | 6,593 |
| Cash dividends to net income (ytd only)* | 60.7577% | 1,531 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0600% | 5,963 |
| Loan loss allowance to noncurrent loans | 105.8226% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 0.8924% | 4,829 |
| Noncurrent loans to loans | 1.0017% | 4,703 |
| Net loans and leases to total assets | 71.6050% | 1,713 |
| Net loans and leases to deposits | 83.7485% | 1,957 |
| Net loans and leases to core deposits | 87.6570% | 2,410 |
| Total domestic deposits to total assets | 85.5000% | 3,592 |
| Equity capital to assets | 11.0181% | 2,963 |
| Core capital (leverage) ratio | 10.7378% | 2,490 |
| Tier 1 risk-based capital ratio | 14.0287% | 4,306 |
| Total risk-based capital ratio | 15.0576% | 4,431 |
| Memoranda: |
| Average total assets | $141,351,000 | 3,952 |
| Average earning assets | $115,617,800 | 4,249 |
| Average equity | $13,374,200 | 4,263 |
| Average total loans | $104,338,000 | 3,519 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0527% | 418 |
| Cost of funding earning assets | 1.2423% | 2,046 |
| Net interest margin | 4.8103% | 610 |
| Noninterest income to average assets | 0.8600% | 1,804 |
| Noninterest expense to average assets | 3.7175% | 1,459 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.0408% | 2,176 |
| Return on assets (ROA) | 1.0408% | 2,328 |
| Pretax return on assets | 1.0504% | 3,212 |
| Return on Equity (ROE) | 11.5070% | 1,688 |
| Retained earnings to average equity (ytd only) | 5.6901% | 2,752 |
| Net charge-offs to loans | -0.1689% | 7,244 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9695% | 2,551 |
| Assets per employee ($millions) | 2.8854% | 6,340 |
| Cash dividends to net income (ytd only)* | 50.5518% | 1,568 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9850% | 6,335 |
| Loan loss allowance to noncurrent loans | 202.2901% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.5330% | 5,760 |
| Noncurrent loans to loans | 0.4869% | 5,874 |
| Net loans and leases to total assets | 73.8567% | 1,345 |
| Net loans and leases to deposits | 86.9395% | 1,564 |
| Net loans and leases to core deposits | 91.1644% | 2,097 |
| Total domestic deposits to total assets | 84.9518% | 3,783 |
| Equity capital to assets | 11.3877% | 2,789 |
| Core capital (leverage) ratio | 10.8749% | 2,498 |
| Tier 1 risk-based capital ratio | 13.9728% | 4,373 |
| Total risk-based capital ratio | 14.9223% | 4,570 |
| Memoranda: |
| Average total assets | $139,375,000 | 4,013 |
| Average earning assets | $113,225,750 | 4,320 |
| Average equity | $12,606,500 | 4,427 |
| Average total loans | $103,417,750 | 3,558 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0302% | 454 |
| Cost of funding earning assets | 1.2890% | 2,011 |
| Net interest margin | 4.7412% | 668 |
| Noninterest income to average assets | 0.8349% | 1,865 |
| Noninterest expense to average assets | 3.7664% | 1,407 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9002% | 2,638 |
| Return on assets (ROA) | 0.9002% | 2,749 |
| Pretax return on assets | 0.9031% | 3,602 |
| Return on Equity (ROE) | 10.9421% | 1,813 |
| Retained earnings to average equity (ytd only) | 4.7651% | 3,145 |
| Net charge-offs to loans | 0.0314% | 5,409 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 38.8750% | 757 |
| Efficiency ratio | 80.6592% | 2,292 |
| Assets per employee ($millions) | 2.6992% | 6,641 |
| Cash dividends to net income (ytd only)* | 56.4516% | 1,470 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8650% | 6,740 |
| Loan loss allowance to noncurrent loans | 166.3024% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.5768% | 5,773 |
| Noncurrent loans to loans | 0.5202% | 5,863 |
| Net loans and leases to total assets | 76.0088% | 1,069 |
| Net loans and leases to deposits | 86.5981% | 1,702 |
| Net loans and leases to core deposits | 91.1239% | 2,235 |
| Total domestic deposits to total assets | 87.7720% | 2,302 |
| Equity capital to assets | 8.3758% | 6,334 |
| Core capital (leverage) ratio | 7.8308% | 6,483 |
| Tier 1 risk-based capital ratio | 9.7811% | 7,037 |
| Total risk-based capital ratio | 10.6145% | 7,127 |
| Memoranda: |
| Average total assets | $137,743,330 | 4,067 |
| Average earning assets | $111,405,330 | 4,402 |
| Average equity | $11,332,330 | 4,734 |
| Average total loans | $102,019,330 | 3,629 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9279% | 560 |
| Cost of funding earning assets | 1.3411% | 1,943 |
| Net interest margin | 4.5867% | 883 |
| Noninterest income to average assets | 0.7316% | 2,384 |
| Noninterest expense to average assets | 3.7566% | 1,429 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6329% | 3,848 |
| Return on assets (ROA) | 0.6329% | 3,920 |
| Pretax return on assets | 0.6387% | 4,539 |
| Return on Equity (ROE) | 7.7625% | 3,023 |
| Retained earnings to average equity (ytd only) | 0.6409% | 5,575 |
| Net charge-offs to loans | 0.1357% | 3,704 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 6.4706% | 2,099 |
| Efficiency ratio | 85.4690% | 1,775 |
| Assets per employee ($millions) | 2.7569% | 6,611 |
| Cash dividends to net income (ytd only)* | 91.7431% | 675 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9000% | 6,698 |
| Loan loss allowance to noncurrent loans | 255.7143% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.3729% | 6,275 |
| Noncurrent loans to loans | 0.3520% | 6,287 |
| Net loans and leases to total assets | 71.4915% | 1,817 |
| Net loans and leases to deposits | 81.2509% | 2,485 |
| Net loans and leases to core deposits | 85.4774% | 2,960 |
| Total domestic deposits to total assets | 87.9885% | 2,378 |
| Equity capital to assets | 8.1564% | 6,332 |
| Core capital (leverage) ratio | 7.6351% | 6,621 |
| Tier 1 risk-based capital ratio | 10.2112% | 6,925 |
| Total risk-based capital ratio | 11.0844% | 7,062 |
| Memoranda: |
| Average total assets | $137,785,500 | 4,104 |
| Average earning assets | $110,056,500 | 4,469 |
| Average equity | $11,233,500 | 4,737 |
| Average total loans | $100,256,000 | 3,711 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3826% | 397 |
| Cost of funding earning assets | 1.3806% | 3,390 |
| Net interest margin | 5.0020% | 428 |
| Noninterest income to average assets | 1.1120% | 1,197 |
| Noninterest expense to average assets | 4.1001% | 1,022 |
| Loan and lease loss provision to assets | 0.1929% | 5,301 |
| Net operating income to assets | 1.0843% | 1,743 |
| Return on assets (ROA) | 1.0843% | 1,838 |
| Pretax return on assets | 1.0858% | 2,638 |
| Return on Equity (ROE) | 12.6431% | 1,180 |
| Retained earnings to average equity (ytd only) | 5.8941% | 1,885 |
| Net charge-offs to loans | -0.0603% | 7,462 |
| Credit loss provision to net charge-offs | -409.8361% | 7,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2267% | 3,021 |
| Assets per employee ($millions) | 2.8108% | 6,510 |
| Cash dividends to net income (ytd only)* | 53.3808% | 1,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9192% | 6,670 |
| Loan loss allowance to noncurrent loans | 353.2319% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.5758% | 5,873 |
| Noncurrent loans to loans | 0.2602% | 6,544 |
| Net loans and leases to total assets | 72.7100% | 1,943 |
| Net loans and leases to deposits | 82.5968% | 2,697 |
| Net loans and leases to core deposits | 87.1952% | 3,156 |
| Total domestic deposits to total assets | 88.0300% | 2,232 |
| Equity capital to assets | 8.1494% | 6,323 |
| Core capital (leverage) ratio | 7.6283% | 6,598 |
| Tier 1 risk-based capital ratio | 9.9414% | 7,004 |
| Total risk-based capital ratio | 10.8254% | 7,126 |
| Memoranda: |
| Average total assets | $129,582,600 | 4,281 |
| Average earning assets | $110,535,400 | 4,453 |
| Average equity | $11,112,800 | 4,839 |
| Average total loans | $101,091,000 | 3,758 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3941% | 418 |
| Cost of funding earning assets | 1.3710% | 3,774 |
| Net interest margin | 5.0231% | 417 |
| Noninterest income to average assets | 1.0945% | 1,182 |
| Noninterest expense to average assets | 3.9681% | 1,084 |
| Loan and lease loss provision to assets | 0.1045% | 5,989 |
| Net operating income to assets | 1.3590% | 1,196 |
| Return on assets (ROA) | 1.3590% | 1,279 |
| Pretax return on assets | 1.3610% | 2,004 |
| Return on Equity (ROE) | 15.6364% | 755 |
| Retained earnings to average equity (ytd only) | 10.2238% | 747 |
| Net charge-offs to loans | -0.0831% | 7,529 |
| Credit loss provision to net charge-offs | -158.7302% | 6,935 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0281% | 3,519 |
| Assets per employee ($millions) | 2.7484% | 6,693 |
| Cash dividends to net income (ytd only)* | 34.6157% | 2,329 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7510% | 7,106 |
| Loan loss allowance to noncurrent loans | 236.6667% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.6352% | 5,858 |
| Noncurrent loans to loans | 0.3173% | 6,564 |
| Net loans and leases to total assets | 78.2400% | 994 |
| Net loans and leases to deposits | 94.6970% | 1,128 |
| Net loans and leases to core deposits | 101.3920% | 1,708 |
| Total domestic deposits to total assets | 82.6214% | 4,742 |
| Equity capital to assets | 8.6590% | 6,088 |
| Core capital (leverage) ratio | 8.1157% | 6,173 |
| Tier 1 risk-based capital ratio | 9.9117% | 7,109 |
| Total risk-based capital ratio | 10.6391% | 7,289 |
| Memoranda: |
| Average total assets | $127,546,250 | 4,380 |
| Average earning assets | $110,181,500 | 4,524 |
| Average equity | $11,085,000 | 4,901 |
| Average total loans | $101,096,000 | 3,833 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2600% | 551 |
| Cost of funding earning assets | 1.3925% | 3,922 |
| Net interest margin | 4.8675% | 576 |
| Noninterest income to average assets | 1.1294% | 1,031 |
| Noninterest expense to average assets | 3.9274% | 1,143 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.4323% | 1,029 |
| Return on assets (ROA) | 1.4323% | 1,104 |
| Pretax return on assets | 1.4323% | 1,745 |
| Return on Equity (ROE) | 16.4596% | 639 |
| Retained earnings to average equity (ytd only) | 12.8141% | 400 |
| Net charge-offs to loans | -0.1218% | 7,583 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2761% | 3,600 |
| Assets per employee ($millions) | 2.7587% | 6,664 |
| Cash dividends to net income (ytd only)* | 22.1484% | 2,827 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6493% | 7,337 |
| Loan loss allowance to noncurrent loans | 320.2830% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.4913% | 6,223 |
| Noncurrent loans to loans | 0.2027% | 6,845 |
| Net loans and leases to total assets | 80.1290% | 774 |
| Net loans and leases to deposits | 103.8576% | 492 |
| Net loans and leases to core deposits | 110.0675% | 1,158 |
| Total domestic deposits to total assets | 77.1527% | 6,460 |
| Equity capital to assets | 8.6958% | 5,889 |
| Core capital (leverage) ratio | 8.1432% | 6,047 |
| Tier 1 risk-based capital ratio | 9.6698% | 7,194 |
| Total risk-based capital ratio | 10.2954% | 7,416 |
| Memoranda: |
| Average total assets | $126,088,000 | 4,446 |
| Average earning assets | $109,584,670 | 4,567 |
| Average equity | $10,972,330 | 4,928 |
| Average total loans | $100,129,330 | 3,894 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2874% | 541 |
| Cost of funding earning assets | 1.4547% | 3,840 |
| Net interest margin | 4.8328% | 598 |
| Noninterest income to average assets | 1.0652% | 1,120 |
| Noninterest expense to average assets | 3.6685% | 1,576 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.5768% | 783 |
| Return on assets (ROA) | 1.5768% | 838 |
| Pretax return on assets | 1.5768% | 1,323 |
| Return on Equity (ROE) | 18.1129% | 506 |
| Retained earnings to average equity (ytd only) | 18.1129% | 242 |
| Net charge-offs to loans | -0.1757% | 7,649 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9387% | 4,309 |
| Assets per employee ($millions) | 2.8985% | 6,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6629% | 7,411 |
| Loan loss allowance to noncurrent loans | 501.5152% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.4469% | 6,349 |
| Noncurrent loans to loans | 0.1322% | 7,072 |
| Net loans and leases to total assets | 79.5979% | 892 |
| Net loans and leases to deposits | 96.9481% | 1,003 |
| Net loans and leases to core deposits | 103.2449% | 1,802 |
| Total domestic deposits to total assets | 82.1036% | 5,031 |
| Equity capital to assets | 8.8764% | 5,436 |
| Core capital (leverage) ratio | 8.3018% | 5,737 |
| Tier 1 risk-based capital ratio | 9.8439% | 7,122 |
| Total risk-based capital ratio | 10.4777% | 7,415 |
| Memoranda: |
| Average total assets | $124,301,500 | 4,536 |
| Average earning assets | $107,516,000 | 4,670 |
| Average equity | $10,821,000 | 5,022 |
| Average total loans | $97,906,500 | 4,026 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2073% | 1,222 |
| Cost of funding earning assets | 1.6688% | 4,677 |
| Net interest margin | 4.5385% | 1,102 |
| Noninterest income to average assets | 0.8744% | 2,056 |
| Noninterest expense to average assets | 3.6950% | 1,924 |
| Loan and lease loss provision to assets | 0.0908% | 6,696 |
| Net operating income to assets | 1.1469% | 1,395 |
| Return on assets (ROA) | 1.1642% | 1,382 |
| Pretax return on assets | 1.1659% | 2,048 |
| Return on Equity (ROE) | 12.7469% | 1,016 |
| Retained earnings to average equity (ytd only) | 1.3827% | 4,091 |
| Net charge-offs to loans | 0.5140% | 3,722 |
| Credit loss provision to net charge-offs | 22.2458% | 6,932 |
| Earnings coverage of net charge-offs (x) | 3.0360% | 3,559 |
| Efficiency ratio | 74.8817% | 3,728 |
| Assets per employee ($millions) | 2.8830% | 6,488 |
| Cash dividends to net income (ytd only)* | 89.1530% | 881 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6441% | 7,486 |
| Loan loss allowance to noncurrent loans | 277.1300% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.6316% | 5,885 |
| Noncurrent loans to loans | 0.2324% | 6,849 |
| Net loans and leases to total assets | 76.8958% | 1,609 |
| Net loans and leases to deposits | 90.7012% | 2,104 |
| Net loans and leases to core deposits | 106.4333% | 3,286 |
| Total domestic deposits to total assets | 84.7793% | 3,666 |
| Equity capital to assets | 8.5336% | 5,834 |
| Core capital (leverage) ratio | 7.9470% | 6,265 |
| Tier 1 risk-based capital ratio | 9.5688% | 7,186 |
| Total risk-based capital ratio | 10.1729% | 7,523 |
| Memoranda: |
| Average total assets | $115,616,200 | 4,687 |
| Average earning assets | $103,427,200 | 4,744 |
| Average equity | $10,559,400 | 5,139 |
| Average total loans | $91,822,200 | 4,160 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1344% | 1,544 |
| Cost of funding earning assets | 1.7189% | 4,804 |
| Net interest margin | 4.4155% | 1,405 |
| Noninterest income to average assets | 0.8914% | 2,016 |
| Noninterest expense to average assets | 3.5550% | 2,133 |
| Loan and lease loss provision to assets | 0.1233% | 6,126 |
| Net operating income to assets | 1.2050% | 1,457 |
| Return on assets (ROA) | 1.2284% | 1,459 |
| Pretax return on assets | 1.2308% | 2,163 |
| Return on Equity (ROE) | 13.2136% | 1,066 |
| Retained earnings to average equity (ytd only) | 1.8443% | 4,286 |
| Net charge-offs to loans | 0.6858% | 2,640 |
| Credit loss provision to net charge-offs | 22.4839% | 6,552 |
| Earnings coverage of net charge-offs (x) | 2.4261% | 4,018 |
| Efficiency ratio | 72.7644% | 4,089 |
| Assets per employee ($millions) | 2.7064% | 6,837 |
| Cash dividends to net income (ytd only)* | 86.0422% | 815 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5455% | 7,649 |
| Loan loss allowance to noncurrent loans | 141.1444% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 1.0655% | 4,948 |
| Noncurrent loans to loans | 0.3865% | 6,571 |
| Net loans and leases to total assets | 81.1504% | 955 |
| Net loans and leases to deposits | 96.9619% | 1,446 |
| Net loans and leases to core deposits | 109.9420% | 3,245 |
| Total domestic deposits to total assets | 83.6931% | 3,864 |
| Equity capital to assets | 9.0965% | 5,346 |
| Core capital (leverage) ratio | 8.4768% | 5,536 |
| Tier 1 risk-based capital ratio | 10.0145% | 6,967 |
| Total risk-based capital ratio | 10.5440% | 7,485 |
| Memoranda: |
| Average total assets | $113,528,000 | 4,763 |
| Average earning assets | $102,696,750 | 4,797 |
| Average equity | $10,554,500 | 5,176 |
| Average total loans | $90,791,500 | 4,224 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0579% | 1,953 |
| Cost of funding earning assets | 1.7588% | 4,953 |
| Net interest margin | 4.2991% | 1,659 |
| Noninterest income to average assets | 0.8527% | 2,170 |
| Noninterest expense to average assets | 3.4962% | 2,346 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2525% | 1,349 |
| Return on assets (ROA) | 1.2880% | 1,346 |
| Pretax return on assets | 1.2915% | 2,047 |
| Return on Equity (ROE) | 13.7519% | 1,037 |
| Retained earnings to average equity (ytd only) | 2.3710% | 4,014 |
| Net charge-offs to loans | 0.9686% | 1,807 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 1.6328% | 4,319 |
| Efficiency ratio | 73.5701% | 4,098 |
| Assets per employee ($millions) | 2.6436% | 6,968 |
| Cash dividends to net income (ytd only)* | 82.7586% | 1,029 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4818% | 7,809 |
| Loan loss allowance to noncurrent loans | 26.8146% | 6,712 |
| Noncurrent assets plus other real estate owned to assets | 1.4624% | 4,048 |
| Noncurrent loans to loans | 1.7969% | 3,805 |
| Net loans and leases to total assets | 79.3731% | 1,441 |
| Net loans and leases to deposits | 92.9712% | 2,279 |
| Net loans and leases to core deposits | 106.0085% | 3,843 |
| Total domestic deposits to total assets | 85.3738% | 3,078 |
| Equity capital to assets | 9.0965% | 5,164 |
| Core capital (leverage) ratio | 8.4591% | 5,512 |
| Tier 1 risk-based capital ratio | 9.9073% | 7,031 |
| Total risk-based capital ratio | 10.3606% | 7,642 |
| Memoranda: |
| Average total assets | $112,579,330 | 4,814 |
| Average earning assets | $102,114,330 | 4,835 |
| Average equity | $10,544,000 | 5,204 |
| Average total loans | $89,403,330 | 4,292 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8919% | 2,837 |
| Cost of funding earning assets | 1.8377% | 4,929 |
| Net interest margin | 4.0542% | 2,438 |
| Noninterest income to average assets | 0.8238% | 2,208 |
| Noninterest expense to average assets | 3.3276% | 2,574 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1706% | 1,738 |
| Return on assets (ROA) | 1.2429% | 1,634 |
| Pretax return on assets | 1.2429% | 2,477 |
| Return on Equity (ROE) | 13.0730% | 1,369 |
| Retained earnings to average equity (ytd only) | 1.6721% | 4,909 |
| Net charge-offs to loans | 1.9289% | 748 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 0.7660% | 4,412 |
| Efficiency ratio | 73.9759% | 3,829 |
| Assets per employee ($millions) | 2.5773% | 7,136 |
| Cash dividends to net income (ytd only)* | 87.2093% | 925 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5106% | 7,810 |
| Loan loss allowance to noncurrent loans | 29.0343% | 6,615 |
| Noncurrent assets plus other real estate owned to assets | 1.4735% | 3,722 |
| Noncurrent loans to loans | 1.7587% | 3,629 |
| Net loans and leases to total assets | 80.3454% | 1,322 |
| Net loans and leases to deposits | 91.9010% | 2,618 |
| Net loans and leases to core deposits | 102.4838% | 4,292 |
| Total domestic deposits to total assets | 87.4260% | 2,008 |
| Equity capital to assets | 9.4916% | 4,678 |
| Core capital (leverage) ratio | 8.8095% | 4,966 |
| Tier 1 risk-based capital ratio | 10.7163% | 6,171 |
| Total risk-based capital ratio | 11.2217% | 6,858 |
| Memoranda: |
| Average total assets | $110,709,500 | 4,885 |
| Average earning assets | $100,341,500 | 4,909 |
| Average equity | $10,525,500 | 5,232 |
| Average total loans | $87,718,500 | 4,370 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.0186% | 1,091 |
| Cost of funding earning assets | 2.4071% | 4,695 |
| Net interest margin | 4.6115% | 1,145 |
| Noninterest income to average assets | 0.8693% | 2,114 |
| Noninterest expense to average assets | 3.4964% | 2,407 |
| Loan and lease loss provision to assets | 0.0551% | 6,721 |
| Net operating income to assets | 1.4546% | 1,119 |
| Return on assets (ROA) | 1.4666% | 1,046 |
| Pretax return on assets | 1.4684% | 1,772 |
| Return on Equity (ROE) | 15.4735% | 856 |
| Retained earnings to average equity (ytd only) | 3.8393% | 2,737 |
| Net charge-offs to loans | 0.2566% | 3,703 |
| Credit loss provision to net charge-offs | 27.9070% | 6,543 |
| Earnings coverage of net charge-offs (x) | 7.6512% | 3,053 |
| Efficiency ratio | 69.8165% | 4,389 |
| Assets per employee ($millions) | 2.5720% | 7,062 |
| Cash dividends to net income (ytd only)* | 75.1880% | 1,933 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0275% | 5,796 |
| Loan loss allowance to noncurrent loans | 555.3459% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.1971% | 6,779 |
| Noncurrent loans to loans | 0.1850% | 6,834 |
| Net loans and leases to total assets | 76.9067% | 2,399 |
| Net loans and leases to deposits | 88.2432% | 3,763 |
| Net loans and leases to core deposits | 99.3726% | 4,885 |
| Total domestic deposits to total assets | 87.1531% | 1,863 |
| Equity capital to assets | 9.5230% | 4,651 |
| Core capital (leverage) ratio | 8.7932% | 5,047 |
| Tier 1 risk-based capital ratio | 10.7562% | 5,953 |
| Total risk-based capital ratio | 11.7407% | 6,101 |
| Memoranda: |
| Average total assets | $108,824,800 | 4,813 |
| Average earning assets | $97,668,600 | 4,870 |
| Average equity | $10,314,400 | 5,315 |
| Average total loans | $83,772,200 | 4,402 |
