| 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 | 5.0678% | 1,931 |
| Cost of funding earning assets | 1.1598% | 2,912 |
| Net interest margin | 3.9081% | 1,358 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 1.7848% | 4,024 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.0993% | 400 |
| Return on assets (ROA) | 2.1503% | 360 |
| Pretax return on assets | 2.2037% | 488 |
| Return on Equity (ROE) | 20.0000% | 620 |
| Retained earnings to average equity (ytd only) | 9.0061% | 1,255 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 41.8775% | 4,319 |
| Assets per employee ($millions) | 8.1097% | 1,384 |
| Cash dividends to net income (ytd only)* | 54.9595% | 1,407 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2276% | 270 |
| Loan loss allowance to noncurrent loans | 202.2719% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 0.5615% | 999 |
| Noncurrent loans to loans | 1.1013% | 664 |
| Net loans and leases to total assets | 49.8500% | 3,604 |
| Net loans and leases to deposits | 56.4143% | 3,689 |
| Net loans and leases to core deposits | 60.2602% | 3,755 |
| Total domestic deposits to total assets | 88.3600% | 1,242 |
| Equity capital to assets | 11.3248% | 1,364 |
| Core capital (leverage) ratio | 11.7716% | 1,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1435% | 529 |
| Memoranda: |
| Average total assets | $453,374,000 | 1,844 |
| Average earning assets | $430,597,800 | 1,808 |
| Average equity | $48,755,800 | 1,642 |
| Average total loans | $222,881,600 | 2,141 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9469% | 1,957 |
| Cost of funding earning assets | 1.0795% | 2,802 |
| Net interest margin | 3.8674% | 1,463 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 1.7022% | 4,122 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 2.1491% | 404 |
| Return on assets (ROA) | 2.1950% | 372 |
| Pretax return on assets | 2.2470% | 524 |
| Return on Equity (ROE) | 20.7000% | 657 |
| Retained earnings to average equity (ytd only) | 6.8194% | 2,355 |
| Net charge-offs to loans | -0.0006% | 3,448 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 40.7613% | 4,340 |
| Assets per employee ($millions) | 7.8715% | 1,417 |
| Cash dividends to net income (ytd only)* | 67.0544% | 733 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2630% | 269 |
| Loan loss allowance to noncurrent loans | 146.5442% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 0.8126% | 683 |
| Noncurrent loans to loans | 1.5443% | 462 |
| Net loans and leases to total assets | 51.4300% | 3,534 |
| Net loans and leases to deposits | 57.9515% | 3,608 |
| Net loans and leases to core deposits | 60.7643% | 3,666 |
| Total domestic deposits to total assets | 88.7500% | 1,335 |
| Equity capital to assets | 10.7447% | 1,454 |
| Core capital (leverage) ratio | 11.3441% | 1,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5217% | 588 |
| Memoranda: |
| Average total assets | $449,126,500 | 1,856 |
| Average earning assets | $427,462,250 | 1,815 |
| Average equity | $47,627,750 | 1,657 |
| Average total loans | $218,648,250 | 2,165 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7778% | 2,042 |
| Cost of funding earning assets | 0.9575% | 2,744 |
| Net interest margin | 3.8203% | 1,582 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 1.4695% | 4,360 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.3066% | 304 |
| Return on assets (ROA) | 2.3424% | 285 |
| Pretax return on assets | 2.4203% | 395 |
| Return on Equity (ROE) | 22.1800% | 532 |
| Retained earnings to average equity (ytd only) | 10.8011% | 1,224 |
| Net charge-offs to loans | -0.0009% | 3,436 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 37.4812% | 4,440 |
| Assets per employee ($millions) | 8.0928% | 1,275 |
| Cash dividends to net income (ytd only)* | 51.3113% | 1,238 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2863% | 272 |
| Loan loss allowance to noncurrent loans | 216.0504% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 0.5335% | 1,021 |
| Noncurrent loans to loans | 1.0582% | 690 |
| Net loans and leases to total assets | 49.2600% | 3,602 |
| Net loans and leases to deposits | 55.3498% | 3,676 |
| Net loans and leases to core deposits | 58.0108% | 3,717 |
| Total domestic deposits to total assets | 89.0000% | 1,261 |
| Equity capital to assets | 10.6298% | 1,536 |
| Core capital (leverage) ratio | 11.1670% | 1,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7780% | 573 |
| Memoranda: |
| Average total assets | $449,282,333 | 1,857 |
| Average earning assets | $429,026,000 | 1,812 |
| Average equity | $47,439,667 | 1,663 |
| Average total loans | $212,831,333 | 2,205 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6377% | 2,000 |
| Cost of funding earning assets | 0.8435% | 2,556 |
| Net interest margin | 3.7942% | 1,700 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 1.4330% | 4,447 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.2918% | 327 |
| Return on assets (ROA) | 2.3218% | 311 |
| Pretax return on assets | 2.4355% | 391 |
| Return on Equity (ROE) | 22.0700% | 577 |
| Retained earnings to average equity (ytd only) | -1.0891% | 4,135 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 36.6886% | 4,526 |
| Assets per employee ($millions) | 8.4317% | 1,150 |
| Cash dividends to net income (ytd only)* | 104.9359% | 414 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6704% | 187 |
| Loan loss allowance to noncurrent loans | 120.3532% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 1.0074% | 404 |
| Noncurrent loans to loans | 2.2188% | 235 |
| Net loans and leases to total assets | 44.1900% | 3,856 |
| Net loans and leases to deposits | 49.6566% | 3,905 |
| Net loans and leases to core deposits | 51.2024% | 3,945 |
| Total domestic deposits to total assets | 88.9900% | 1,551 |
| Equity capital to assets | 10.8088% | 1,415 |
| Core capital (leverage) ratio | 11.3596% | 1,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5577% | 373 |
| Memoranda: |
| Average total assets | $443,280,000 | 1,896 |
| Average earning assets | $424,437,000 | 1,849 |
| Average equity | $46,642,500 | 1,695 |
| Average total loans | $202,965,000 | 2,282 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5651% | 2,898 |
| Cost of funding earning assets | 0.3083% | 2,806 |
| Net interest margin | 3.2568% | 2,683 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 1.6832% | 4,208 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.6004% | 695 |
| Return on assets (ROA) | 1.6155% | 637 |
| Pretax return on assets | 1.6794% | 971 |
| Return on Equity (ROE) | 14.5800% | 1,371 |
| Retained earnings to average equity (ytd only) | -0.2543% | 4,382 |
| Net charge-offs to loans | -0.0130% | 3,915 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 46.0815% | 4,340 |
| Assets per employee ($millions) | 8.4549% | 1,113 |
| Cash dividends to net income (ytd only)* | 101.7442% | 191 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5699% | 198 |
| Loan loss allowance to noncurrent loans | 91.8928% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 1.2910% | 280 |
| Noncurrent loans to loans | 2.7966% | 155 |
| Net loans and leases to total assets | 44.9800% | 3,847 |
| Net loans and leases to deposits | 50.1704% | 3,888 |
| Net loans and leases to core deposits | 51.8232% | 3,914 |
| Total domestic deposits to total assets | 89.6500% | 1,503 |
| Equity capital to assets | 10.2417% | 1,591 |
| Core capital (leverage) ratio | 11.9968% | 1,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0645% | 415 |
| Memoranda: |
| Average total assets | $425,863,600 | 1,932 |
| Average earning assets | $407,760,800 | 1,889 |
| Average equity | $47,180,600 | 1,697 |
| Average total loans | $206,993,600 | 2,182 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3385% | 3,075 |
| Cost of funding earning assets | 0.2190% | 3,045 |
| Net interest margin | 3.1195% | 2,866 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 1.6667% | 4,210 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4988% | 857 |
| Return on assets (ROA) | 1.5201% | 785 |
| Pretax return on assets | 1.5798% | 1,174 |
| Return on Equity (ROE) | 13.4500% | 1,578 |
| Retained earnings to average equity (ytd only) | -4.5134% | 4,590 |
| Net charge-offs to loans | -0.0167% | 3,926 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 47.2747% | 4,314 |
| Assets per employee ($millions) | 7.7263% | 1,464 |
| Cash dividends to net income (ytd only)* | 133.5559% | 100 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5157% | 230 |
| Loan loss allowance to noncurrent loans | 74.3461% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 1.7135% | 182 |
| Noncurrent loans to loans | 3.3838% | 134 |
| Net loans and leases to total assets | 49.3600% | 3,505 |
| Net loans and leases to deposits | 55.1709% | 3,539 |
| Net loans and leases to core deposits | 56.3203% | 3,611 |
| Total domestic deposits to total assets | 89.4700% | 1,884 |
| Equity capital to assets | 10.4209% | 1,409 |
| Core capital (leverage) ratio | 11.7936% | 1,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8133% | 443 |
| Memoranda: |
| Average total assets | $420,301,750 | 1,965 |
| Average earning assets | $403,089,250 | 1,914 |
| Average equity | $47,502,250 | 1,703 |
| Average total loans | $207,027,000 | 2,190 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2275% | 2,961 |
| Cost of funding earning assets | 0.1657% | 3,371 |
| Net interest margin | 3.0618% | 2,676 |
| Noninterest income to average assets | 0.2421% | 3,722 |
| Noninterest expense to average assets | 1.5935% | 4,311 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5195% | 675 |
| Return on assets (ROA) | 1.5313% | 633 |
| Pretax return on assets | 1.6002% | 937 |
| Return on Equity (ROE) | 13.2095% | 1,322 |
| Retained earnings to average equity (ytd only) | -1.9409% | 4,381 |
| Net charge-offs to loans | -0.0272% | 4,008 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6282% | 4,468 |
| Assets per employee ($millions) | 7.8021% | 1,416 |
| Cash dividends to net income (ytd only)* | 114.6931% | 266 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4479% | 276 |
| Loan loss allowance to noncurrent loans | 68.0707% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 1.8540% | 169 |
| Noncurrent loans to loans | 3.5960% | 114 |
| Net loans and leases to total assets | 50.2936% | 3,337 |
| Net loans and leases to deposits | 56.6498% | 3,330 |
| Net loans and leases to core deposits | 57.7875% | 3,434 |
| Total domestic deposits to total assets | 88.7799% | 2,270 |
| Equity capital to assets | 11.1392% | 1,156 |
| Core capital (leverage) ratio | 12.0751% | 1,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3632% | 407 |
| Memoranda: |
| Average total assets | $421,329,000 | 1,971 |
| Average earning assets | $404,465,333 | 1,927 |
| Average equity | $48,843,667 | 1,708 |
| Average total loans | $205,612,667 | 2,194 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1726% | 2,768 |
| Cost of funding earning assets | 0.1495% | 3,513 |
| Net interest margin | 3.0231% | 2,433 |
| Noninterest income to average assets | 0.2203% | 3,833 |
| Noninterest expense to average assets | 1.5892% | 4,313 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4300% | 742 |
| Return on assets (ROA) | 1.4089% | 775 |
| Pretax return on assets | 1.5076% | 1,004 |
| Return on Equity (ROE) | 11.9197% | 1,338 |
| Retained earnings to average equity (ytd only) | -17.7992% | 4,676 |
| Net charge-offs to loans | -0.0601% | 4,321 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4090% | 4,474 |
| Assets per employee ($millions) | 7.7693% | 1,512 |
| Cash dividends to net income (ytd only)* | 249.3261% | 145 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5876% | 263 |
| Loan loss allowance to noncurrent loans | 61.0047% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 2.0404% | 136 |
| Noncurrent loans to loans | 4.2416% | 87 |
| Net loans and leases to total assets | 46.8602% | 3,499 |
| Net loans and leases to deposits | 52.6860% | 3,518 |
| Net loans and leases to core deposits | 53.4644% | 3,633 |
| Total domestic deposits to total assets | 88.9424% | 2,111 |
| Equity capital to assets | 10.9462% | 1,352 |
| Core capital (leverage) ratio | 12.2269% | 993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9837% | 383 |
| Memoranda: |
| Average total assets | $421,336,500 | 1,979 |
| Average earning assets | $404,091,000 | 1,936 |
| Average equity | $49,800,000 | 1,748 |
| Average total loans | $199,813,500 | 2,232 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5791% | 2,445 |
| Cost of funding earning assets | 0.1735% | 3,735 |
| Net interest margin | 3.4056% | 2,010 |
| Noninterest income to average assets | 0.2137% | 4,091 |
| Noninterest expense to average assets | 1.7530% | 4,223 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.6678% | 683 |
| Return on assets (ROA) | 1.7046% | 649 |
| Pretax return on assets | 1.7619% | 1,000 |
| Return on Equity (ROE) | 13.0985% | 1,430 |
| Retained earnings to average equity (ytd only) | 3.4236% | 3,445 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1279% | 4,495 |
| Assets per employee ($millions) | 7.5521% | 1,583 |
| Cash dividends to net income (ytd only)* | 73.8628% | 633 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7253% | 203 |
| Loan loss allowance to noncurrent loans | 48.0774% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 2.6485% | 92 |
| Noncurrent loans to loans | 5.6686% | 56 |
| Net loans and leases to total assets | 45.4495% | 3,729 |
| Net loans and leases to deposits | 52.1225% | 3,729 |
| Net loans and leases to core deposits | 52.8954% | 3,832 |
| Total domestic deposits to total assets | 87.1975% | 2,439 |
| Equity capital to assets | 12.7180% | 987 |
| Core capital (leverage) ratio | 12.7812% | 854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.2148% | 299 |
| Memoranda: |
| Average total assets | $401,094,200 | 1,987 |
| Average earning assets | $384,337,400 | 1,955 |
| Average equity | $52,196,800 | 1,700 |
| Average total loans | $204,785,000 | 2,208 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7089% | 2,253 |
| Cost of funding earning assets | 0.1840% | 3,771 |
| Net interest margin | 3.5249% | 1,797 |
| Noninterest income to average assets | 0.2167% | 4,100 |
| Noninterest expense to average assets | 1.7431% | 4,264 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.7996% | 667 |
| Return on assets (ROA) | 1.8380% | 648 |
| Pretax return on assets | 1.8927% | 963 |
| Return on Equity (ROE) | 14.0403% | 1,378 |
| Retained earnings to average equity (ytd only) | 1.7422% | 4,261 |
| Net charge-offs to loans | -0.0019% | 3,211 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2828% | 4,575 |
| Assets per employee ($millions) | 6.6829% | 2,111 |
| Cash dividends to net income (ytd only)* | 87.5912% | 298 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6226% | 234 |
| Loan loss allowance to noncurrent loans | 46.2426% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 2.9024% | 88 |
| Noncurrent loans to loans | 5.6714% | 60 |
| Net loans and leases to total assets | 49.8341% | 3,429 |
| Net loans and leases to deposits | 57.5218% | 3,446 |
| Net loans and leases to core deposits | 58.5101% | 3,586 |
| Total domestic deposits to total assets | 86.6353% | 2,495 |
| Equity capital to assets | 13.2546% | 918 |
| Core capital (leverage) ratio | 12.4875% | 984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9428% | 378 |
| Memoranda: |
| Average total assets | $397,526,750 | 2,016 |
| Average earning assets | $381,131,750 | 1,982 |
| Average equity | $52,039,500 | 1,724 |
| Average total loans | $207,463,750 | 2,218 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6955% | 2,346 |
| Cost of funding earning assets | 0.1944% | 3,811 |
| Net interest margin | 3.5011% | 1,853 |
| Noninterest income to average assets | 0.2062% | 4,169 |
| Noninterest expense to average assets | 1.6457% | 4,453 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.8494% | 651 |
| Return on assets (ROA) | 1.8836% | 637 |
| Pretax return on assets | 1.9573% | 906 |
| Return on Equity (ROE) | 14.4481% | 1,295 |
| Retained earnings to average equity (ytd only) | 6.3658% | 2,668 |
| Net charge-offs to loans | -0.0019% | 3,192 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9269% | 4,700 |
| Assets per employee ($millions) | 7.6485% | 1,394 |
| Cash dividends to net income (ytd only)* | 55.9403% | 1,053 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5408% | 265 |
| Loan loss allowance to noncurrent loans | 44.2022% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 3.0169% | 90 |
| Noncurrent loans to loans | 5.7480% | 63 |
| Net loans and leases to total assets | 51.0291% | 3,444 |
| Net loans and leases to deposits | 59.0998% | 3,458 |
| Net loans and leases to core deposits | 60.2718% | 3,603 |
| Total domestic deposits to total assets | 86.3440% | 2,608 |
| Equity capital to assets | 13.3664% | 853 |
| Core capital (leverage) ratio | 12.6601% | 871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6916% | 346 |
| Memoranda: |
| Average total assets | $398,605,000 | 2,007 |
| Average earning assets | $382,678,000 | 1,968 |
| Average equity | $51,965,333 | 1,718 |
| Average total loans | $209,357,000 | 2,213 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3608% | 3,305 |
| Cost of funding earning assets | 0.2129% | 3,799 |
| Net interest margin | 3.1479% | 2,851 |
| Noninterest income to average assets | 0.2105% | 4,122 |
| Noninterest expense to average assets | 1.6730% | 4,429 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4849% | 1,362 |
| Return on assets (ROA) | 1.5497% | 1,284 |
| Pretax return on assets | 1.6299% | 1,655 |
| Return on Equity (ROE) | 12.0387% | 1,998 |
| Retained earnings to average equity (ytd only) | -4.3140% | 4,673 |
| Net charge-offs to loans | -0.0019% | 3,129 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1026% | 4,398 |
| Assets per employee ($millions) | 7.3361% | 1,571 |
| Cash dividends to net income (ytd only)* | 135.8344% | 257 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5681% | 232 |
| Loan loss allowance to noncurrent loans | 42.3098% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 3.1062% | 92 |
| Noncurrent loans to loans | 6.0698% | 56 |
| Net loans and leases to total assets | 49.7405% | 3,651 |
| Net loans and leases to deposits | 57.1619% | 3,705 |
| Net loans and leases to core deposits | 58.2688% | 3,815 |
| Total domestic deposits to total assets | 87.0170% | 2,306 |
| Equity capital to assets | 12.5872% | 1,049 |
| Core capital (leverage) ratio | 12.3026% | 1,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.2155% | 317 |
| Memoranda: |
| Average total assets | $399,046,500 | 1,995 |
| Average earning assets | $383,366,000 | 1,960 |
| Average equity | $51,367,500 | 1,725 |
| Average total loans | $209,913,000 | 2,214 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7845% | 3,346 |
| Cost of funding earning assets | 0.4480% | 3,294 |
| Net interest margin | 3.3365% | 2,965 |
| Noninterest income to average assets | 0.4137% | 3,032 |
| Noninterest expense to average assets | 1.8595% | 4,379 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.6472% | 578 |
| Return on assets (ROA) | 1.6520% | 615 |
| Pretax return on assets | 1.7360% | 792 |
| Return on Equity (ROE) | 12.4466% | 1,197 |
| Retained earnings to average equity (ytd only) | 6.2293% | 1,693 |
| Net charge-offs to loans | 0.0300% | 2,429 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 94.8235% | 815 |
| Efficiency ratio | 47.3196% | 4,661 |
| Assets per employee ($millions) | 7.1746% | 1,461 |
| Cash dividends to net income (ytd only)* | 49.9513% | 1,843 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4734% | 274 |
| Loan loss allowance to noncurrent loans | 25.9966% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 5.1634% | 40 |
| Noncurrent loans to loans | 9.5142% | 27 |
| Net loans and leases to total assets | 52.8503% | 3,590 |
| Net loans and leases to deposits | 60.9496% | 3,686 |
| Net loans and leases to core deposits | 62.6468% | 3,800 |
| Total domestic deposits to total assets | 86.7115% | 2,073 |
| Equity capital to assets | 13.1643% | 1,036 |
| Core capital (leverage) ratio | 12.8788% | 930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0461% | 387 |
| Memoranda: |
| Average total assets | $372,512,400 | 1,948 |
| Average earning assets | $354,681,200 | 1,915 |
| Average equity | $49,443,400 | 1,710 |
| Average total loans | $226,438,000 | 2,060 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8242% | 3,494 |
| Cost of funding earning assets | 0.5067% | 3,179 |
| Net interest margin | 3.3175% | 3,135 |
| Noninterest income to average assets | 0.4643% | 2,766 |
| Noninterest expense to average assets | 1.8772% | 4,367 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.6632% | 629 |
| Return on assets (ROA) | 1.6625% | 701 |
| Pretax return on assets | 1.7450% | 880 |
| Return on Equity (ROE) | 12.4979% | 1,247 |
| Retained earnings to average equity (ytd only) | 4.1023% | 2,994 |
| Net charge-offs to loans | 0.0256% | 2,318 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 109.2045% | 745 |
| Efficiency ratio | 47.3125% | 4,647 |
| Assets per employee ($millions) | 6.7733% | 1,640 |
| Cash dividends to net income (ytd only)* | 67.1766% | 903 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2268% | 337 |
| Loan loss allowance to noncurrent loans | 24.5347% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 5.8215% | 43 |
| Noncurrent loans to loans | 9.0760% | 32 |
| Net loans and leases to total assets | 62.6209% | 2,930 |
| Net loans and leases to deposits | 72.6191% | 3,078 |
| Net loans and leases to core deposits | 75.5670% | 3,206 |
| Total domestic deposits to total assets | 86.2321% | 1,967 |
| Equity capital to assets | 13.5202% | 996 |
| Core capital (leverage) ratio | 12.6162% | 1,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9474% | 516 |
| Memoranda: |
| Average total assets | $366,989,250 | 1,951 |
| Average earning assets | $349,412,500 | 1,924 |
| Average equity | $48,817,500 | 1,721 |
| Average total loans | $229,587,750 | 2,037 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0193% | 3,279 |
| Cost of funding earning assets | 0.5820% | 3,073 |
| Net interest margin | 3.4373% | 2,981 |
| Noninterest income to average assets | 0.2098% | 4,233 |
| Noninterest expense to average assets | 1.8448% | 4,493 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.5420% | 860 |
| Return on assets (ROA) | 1.5446% | 926 |
| Pretax return on assets | 1.6317% | 1,154 |
| Return on Equity (ROE) | 11.6768% | 1,424 |
| Retained earnings to average equity (ytd only) | 4.2277% | 2,810 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3917% | 4,599 |
| Assets per employee ($millions) | 6.8605% | 1,527 |
| Cash dividends to net income (ytd only)* | 63.7943% | 1,127 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3247% | 278 |
| Loan loss allowance to noncurrent loans | 29.4486% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 5.0954% | 53 |
| Noncurrent loans to loans | 7.8941% | 44 |
| Net loans and leases to total assets | 58.5865% | 3,462 |
| Net loans and leases to deposits | 67.5090% | 3,605 |
| Net loans and leases to core deposits | 70.3550% | 3,672 |
| Total domestic deposits to total assets | 86.7832% | 1,704 |
| Equity capital to assets | 12.9617% | 1,180 |
| Core capital (leverage) ratio | 12.5766% | 1,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1731% | 490 |
| Memoranda: |
| Average total assets | $365,141,667 | 1,938 |
| Average earning assets | $346,726,667 | 1,913 |
| Average equity | $48,301,000 | 1,725 |
| Average total loans | $226,585,000 | 2,036 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3631% | 2,735 |
| Cost of funding earning assets | 0.7508% | 2,662 |
| Net interest margin | 3.6124% | 2,623 |
| Noninterest income to average assets | 0.2182% | 4,245 |
| Noninterest expense to average assets | 1.9751% | 4,448 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.5560% | 690 |
| Return on assets (ROA) | 1.5455% | 773 |
| Pretax return on assets | 1.6523% | 943 |
| Return on Equity (ROE) | 11.5576% | 1,242 |
| Retained earnings to average equity (ytd only) | -3.5750% | 4,407 |
| Net charge-offs to loans | 0.0036% | 2,458 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 739.5000% | 81 |
| Efficiency ratio | 49.6445% | 4,688 |
| Assets per employee ($millions) | 6.2713% | 1,479 |
| Cash dividends to net income (ytd only)* | 130.9316% | 546 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4679% | 259 |
| Loan loss allowance to noncurrent loans | 28.7285% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 5.7023% | 52 |
| Noncurrent loans to loans | 8.5903% | 38 |
| Net loans and leases to total assets | 60.2613% | 3,470 |
| Net loans and leases to deposits | 69.6849% | 3,617 |
| Net loans and leases to core deposits | 73.1029% | 3,689 |
| Total domestic deposits to total assets | 86.4769% | 1,795 |
| Equity capital to assets | 13.3158% | 1,298 |
| Core capital (leverage) ratio | 12.8087% | 1,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5136% | 596 |
| Memoranda: |
| Average total assets | $355,619,500 | 1,937 |
| Average earning assets | $336,729,500 | 1,910 |
| Average equity | $47,553,000 | 1,741 |
| Average total loans | $224,658,500 | 2,022 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8856% | 1,793 |
| Cost of funding earning assets | 0.8047% | 2,662 |
| Net interest margin | 4.0809% | 1,591 |
| Noninterest income to average assets | 0.2155% | 4,375 |
| Noninterest expense to average assets | 1.9776% | 4,568 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.0263% | 333 |
| Return on assets (ROA) | 2.0968% | 288 |
| Pretax return on assets | 2.1882% | 391 |
| Return on Equity (ROE) | 15.8756% | 557 |
| Retained earnings to average equity (ytd only) | 9.6778% | 553 |
| Net charge-offs to loans | -0.0051% | 4,350 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0981% | 4,971 |
| Assets per employee ($millions) | 6.5463% | 1,259 |
| Cash dividends to net income (ytd only)* | 39.0399% | 2,657 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3058% | 286 |
| Loan loss allowance to noncurrent loans | 27.1021% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 5.4918% | 41 |
| Noncurrent loans to loans | 8.5078% | 33 |
| Net loans and leases to total assets | 63.0395% | 3,311 |
| Net loans and leases to deposits | 72.9523% | 3,442 |
| Net loans and leases to core deposits | 80.5788% | 3,246 |
| Total domestic deposits to total assets | 86.4121% | 1,883 |
| Equity capital to assets | 13.4266% | 1,315 |
| Core capital (leverage) ratio | 13.4777% | 1,063 |
| Tier 1 risk-based capital ratio | 19.9254% | 1,338 |
| Total risk-based capital ratio | 21.1885% | 1,306 |
| Memoranda: |
| Average total assets | $345,717,000 | 1,928 |
| Average earning assets | $328,435,800 | 1,883 |
| Average equity | $45,661,400 | 1,734 |
| Average total loans | $237,022,400 | 1,905 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9866% | 1,576 |
| Cost of funding earning assets | 0.8187% | 2,622 |
| Net interest margin | 4.1679% | 1,454 |
| Noninterest income to average assets | 0.2194% | 4,416 |
| Noninterest expense to average assets | 1.9625% | 4,622 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.1278% | 307 |
| Return on assets (ROA) | 2.1278% | 321 |
| Pretax return on assets | 2.2186% | 438 |
| Return on Equity (ROE) | 16.1805% | 582 |
| Retained earnings to average equity (ytd only) | 7.7939% | 1,491 |
| Net charge-offs to loans | -0.0056% | 4,234 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7533% | 5,053 |
| Assets per employee ($millions) | 6.0119% | 1,599 |
| Cash dividends to net income (ytd only)* | 51.8315% | 1,590 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2891% | 290 |
| Loan loss allowance to noncurrent loans | 23.8339% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 6.7972% | 38 |
| Noncurrent loans to loans | 9.6045% | 32 |
| Net loans and leases to total assets | 69.1287% | 2,605 |
| Net loans and leases to deposits | 80.6543% | 2,836 |
| Net loans and leases to core deposits | 88.8485% | 2,649 |
| Total domestic deposits to total assets | 85.7098% | 2,118 |
| Equity capital to assets | 14.0821% | 1,120 |
| Core capital (leverage) ratio | 13.2302% | 1,245 |
| Tier 1 risk-based capital ratio | 19.0105% | 1,564 |
| Total risk-based capital ratio | 20.2736% | 1,533 |
| Memoranda: |
| Average total assets | $342,134,500 | 1,950 |
| Average earning assets | $325,208,500 | 1,915 |
| Average equity | $44,991,250 | 1,761 |
| Average total loans | $238,195,750 | 1,911 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8852% | 1,802 |
| Cost of funding earning assets | 0.8079% | 2,604 |
| Net interest margin | 4.0773% | 1,680 |
| Noninterest income to average assets | 0.2127% | 4,468 |
| Noninterest expense to average assets | 1.8748% | 4,788 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.1112% | 314 |
| Return on assets (ROA) | 2.1112% | 328 |
| Pretax return on assets | 2.2124% | 434 |
| Return on Equity (ROE) | 16.4255% | 530 |
| Retained earnings to average equity (ytd only) | 10.2367% | 693 |
| Net charge-offs to loans | -0.0092% | 4,299 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.6407% | 5,126 |
| Assets per employee ($millions) | 5.9414% | 1,583 |
| Cash dividends to net income (ytd only)* | 37.6780% | 2,300 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2939% | 298 |
| Loan loss allowance to noncurrent loans | 20.8332% | 4,659 |
| Noncurrent assets plus other real estate owned to assets | 7.7294% | 28 |
| Noncurrent loans to loans | 11.0107% | 24 |
| Net loans and leases to total assets | 68.5673% | 2,744 |
| Net loans and leases to deposits | 79.7636% | 2,982 |
| Net loans and leases to core deposits | 88.1664% | 2,781 |
| Total domestic deposits to total assets | 85.9631% | 2,055 |
| Equity capital to assets | 13.8484% | 1,184 |
| Core capital (leverage) ratio | 12.8342% | 1,385 |
| Tier 1 risk-based capital ratio | 18.2880% | 1,731 |
| Total risk-based capital ratio | 19.5503% | 1,686 |
| Memoranda: |
| Average total assets | $345,961,670 | 1,948 |
| Average earning assets | $328,749,330 | 1,914 |
| Average equity | $44,467,330 | 1,779 |
| Average total loans | $239,617,330 | 1,902 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7411% | 2,080 |
| Cost of funding earning assets | 0.7962% | 2,559 |
| Net interest margin | 3.9450% | 2,043 |
| Noninterest income to average assets | 0.1838% | 4,651 |
| Noninterest expense to average assets | 1.8492% | 4,864 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.9706% | 412 |
| Return on assets (ROA) | 1.9706% | 427 |
| Pretax return on assets | 2.0784% | 553 |
| Return on Equity (ROE) | 15.9128% | 601 |
| Retained earnings to average equity (ytd only) | 3.3071% | 3,593 |
| Net charge-offs to loans | -0.0313% | 4,664 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7499% | 5,142 |
| Assets per employee ($millions) | 6.2749% | 1,364 |
| Cash dividends to net income (ytd only)* | 79.2170% | 944 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2870% | 305 |
| Loan loss allowance to noncurrent loans | 20.1238% | 4,729 |
| Noncurrent assets plus other real estate owned to assets | 7.7261% | 29 |
| Noncurrent loans to loans | 11.3647% | 23 |
| Net loans and leases to total assets | 66.4060% | 2,989 |
| Net loans and leases to deposits | 76.2735% | 3,233 |
| Net loans and leases to core deposits | 83.9936% | 3,027 |
| Total domestic deposits to total assets | 87.0630% | 1,779 |
| Equity capital to assets | 12.7290% | 1,608 |
| Core capital (leverage) ratio | 11.8242% | 1,890 |
| Tier 1 risk-based capital ratio | 17.3011% | 2,013 |
| Total risk-based capital ratio | 18.5634% | 1,952 |
| Memoranda: |
| Average total assets | $352,584,000 | 1,939 |
| Average earning assets | $334,603,500 | 1,904 |
| Average equity | $43,663,000 | 1,791 |
| Average total loans | $242,680,500 | 1,901 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7026% | 1,816 |
| Cost of funding earning assets | 0.7343% | 1,875 |
| Net interest margin | 3.9683% | 2,097 |
| Noninterest income to average assets | 0.2419% | 4,474 |
| Noninterest expense to average assets | 1.8324% | 4,972 |
| Loan and lease loss provision to assets | 0.2161% | 840 |
| Net operating income to assets | 1.8772% | 472 |
| Return on assets (ROA) | 1.8772% | 467 |
| Pretax return on assets | 1.9641% | 604 |
| Return on Equity (ROE) | 16.0760% | 618 |
| Retained earnings to average equity (ytd only) | 9.3280% | 774 |
| Net charge-offs to loans | 0.1202% | 1,536 |
| Credit loss provision to net charge-offs | 241.5873% | 1,226 |
| Earnings coverage of net charge-offs (x) | 24.3746% | 1,816 |
| Efficiency ratio | 41.4337% | 5,254 |
| Assets per employee ($millions) | 6.1025% | 1,451 |
| Cash dividends to net income (ytd only)* | 41.9755% | 2,421 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1310% | 379 |
| Loan loss allowance to noncurrent loans | 19.3309% | 4,760 |
| Noncurrent assets plus other real estate owned to assets | 7.6823% | 31 |
| Noncurrent loans to loans | 11.0239% | 22 |
| Net loans and leases to total assets | 68.1775% | 2,861 |
| Net loans and leases to deposits | 77.6587% | 3,207 |
| Net loans and leases to core deposits | 84.9935% | 3,002 |
| Total domestic deposits to total assets | 87.7911% | 1,394 |
| Equity capital to assets | 12.0528% | 1,858 |
| Core capital (leverage) ratio | 11.8005% | 1,873 |
| Tier 1 risk-based capital ratio | 15.9026% | 2,441 |
| Total risk-based capital ratio | 17.1628% | 2,377 |
| Memoranda: |
| Average total assets | $352,166,200 | 1,913 |
| Average earning assets | $334,623,800 | 1,870 |
| Average equity | $41,123,400 | 1,811 |
| Average total loans | $262,075,000 | 1,769 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6942% | 1,697 |
| Cost of funding earning assets | 0.7213% | 1,741 |
| Net interest margin | 3.9729% | 2,040 |
| Noninterest income to average assets | 0.2460% | 4,505 |
| Noninterest expense to average assets | 1.7811% | 5,054 |
| Loan and lease loss provision to assets | 0.2897% | 517 |
| Net operating income to assets | 1.8728% | 521 |
| Return on assets (ROA) | 1.8728% | 521 |
| Pretax return on assets | 1.9585% | 703 |
| Return on Equity (ROE) | 16.1718% | 671 |
| Retained earnings to average equity (ytd only) | 7.0487% | 2,102 |
| Net charge-offs to loans | 0.1661% | 997 |
| Credit loss provision to net charge-offs | 230.6061% | 1,248 |
| Earnings coverage of net charge-offs (x) | 17.8939% | 2,088 |
| Efficiency ratio | 39.9603% | 5,333 |
| Assets per employee ($millions) | 6.0017% | 1,485 |
| Cash dividends to net income (ytd only)* | 56.4140% | 1,355 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0741% | 426 |
| Loan loss allowance to noncurrent loans | 18.2898% | 4,880 |
| Noncurrent assets plus other real estate owned to assets | 8.5219% | 30 |
| Noncurrent loans to loans | 11.3400% | 20 |
| Net loans and leases to total assets | 73.5626% | 2,059 |
| Net loans and leases to deposits | 83.9126% | 2,607 |
| Net loans and leases to core deposits | 92.3592% | 2,442 |
| Total domestic deposits to total assets | 87.6657% | 1,412 |
| Equity capital to assets | 12.1414% | 1,808 |
| Core capital (leverage) ratio | 11.2676% | 2,361 |
| Tier 1 risk-based capital ratio | 15.2123% | 2,780 |
| Total risk-based capital ratio | 16.4722% | 2,699 |
| Memoranda: |
| Average total assets | $350,195,250 | 1,934 |
| Average earning assets | $333,483,000 | 1,888 |
| Average equity | $40,555,250 | 1,836 |
| Average total loans | $264,889,250 | 1,765 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5067% | 2,074 |
| Cost of funding earning assets | 0.6933% | 1,657 |
| Net interest margin | 3.8134% | 2,526 |
| Noninterest income to average assets | 0.2443% | 4,548 |
| Noninterest expense to average assets | 1.7082% | 5,193 |
| Loan and lease loss provision to assets | 0.2834% | 497 |
| Net operating income to assets | 1.7892% | 591 |
| Return on assets (ROA) | 1.7892% | 594 |
| Pretax return on assets | 1.8872% | 793 |
| Return on Equity (ROE) | 15.6953% | 730 |
| Retained earnings to average equity (ytd only) | 7.4872% | 1,848 |
| Net charge-offs to loans | 0.0239% | 2,388 |
| Credit loss provision to net charge-offs | 1,562.5000% | 266 |
| Earnings coverage of net charge-offs (x) | 119.6875% | 617 |
| Efficiency ratio | 39.6698% | 5,409 |
| Assets per employee ($millions) | 5.9751% | 1,485 |
| Cash dividends to net income (ytd only)* | 52.2965% | 1,582 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0786% | 454 |
| Loan loss allowance to noncurrent loans | 16.7598% | 4,902 |
| Noncurrent assets plus other real estate owned to assets | 9.2441% | 28 |
| Noncurrent loans to loans | 12.4023% | 15 |
| Net loans and leases to total assets | 72.9563% | 2,125 |
| Net loans and leases to deposits | 82.9217% | 2,665 |
| Net loans and leases to core deposits | 91.9113% | 2,412 |
| Total domestic deposits to total assets | 87.9821% | 1,394 |
| Equity capital to assets | 11.8543% | 1,956 |
| Core capital (leverage) ratio | 10.9030% | 2,607 |
| Tier 1 risk-based capital ratio | 14.7866% | 2,971 |
| Total risk-based capital ratio | 16.0467% | 2,897 |
| Memoranda: |
| Average total assets | $352,895,330 | 1,924 |
| Average earning assets | $336,344,670 | 1,884 |
| Average equity | $40,228,670 | 1,851 |
| Average total loans | $267,524,330 | 1,749 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4175% | 2,136 |
| Cost of funding earning assets | 0.6587% | 1,668 |
| Net interest margin | 3.7588% | 2,583 |
| Noninterest income to average assets | 0.2494% | 4,512 |
| Noninterest expense to average assets | 1.7064% | 5,241 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.9850% | 389 |
| Return on assets (ROA) | 1.9850% | 389 |
| Pretax return on assets | 2.1198% | 442 |
| Return on Equity (ROE) | 17.7579% | 440 |
| Retained earnings to average equity (ytd only) | 1.1658% | 4,583 |
| Net charge-offs to loans | 0.0500% | 1,599 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 55.5000% | 884 |
| Efficiency ratio | 40.1938% | 5,454 |
| Assets per employee ($millions) | 6.2485% | 1,337 |
| Cash dividends to net income (ytd only)* | 93.4352% | 637 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8828% | 678 |
| Loan loss allowance to noncurrent loans | 14.7751% | 4,965 |
| Noncurrent assets plus other real estate owned to assets | 9.2488% | 22 |
| Noncurrent loans to loans | 12.7429% | 13 |
| Net loans and leases to total assets | 71.1832% | 2,305 |
| Net loans and leases to deposits | 80.2642% | 2,779 |
| Net loans and leases to core deposits | 88.0551% | 2,629 |
| Total domestic deposits to total assets | 88.6861% | 1,264 |
| Equity capital to assets | 11.1516% | 2,432 |
| Core capital (leverage) ratio | 10.3857% | 3,075 |
| Tier 1 risk-based capital ratio | 14.1351% | 3,310 |
| Total risk-based capital ratio | 15.3927% | 3,230 |
| Memoranda: |
| Average total assets | $356,064,500 | 1,917 |
| Average earning assets | $338,835,000 | 1,878 |
| Average equity | $39,802,000 | 1,876 |
| Average total loans | $272,185,500 | 1,729 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5322% | 1,608 |
| Cost of funding earning assets | 0.5610% | 1,877 |
| Net interest margin | 3.9713% | 1,840 |
| Noninterest income to average assets | 0.2617% | 4,570 |
| Noninterest expense to average assets | 1.7222% | 5,311 |
| Loan and lease loss provision to assets | 0.4396% | 320 |
| Net operating income to assets | 1.7620% | 467 |
| Return on assets (ROA) | 1.7620% | 472 |
| Pretax return on assets | 1.8652% | 655 |
| Return on Equity (ROE) | 15.6825% | 517 |
| Retained earnings to average equity (ytd only) | 5.8995% | 1,592 |
| Net charge-offs to loans | -0.0047% | 4,627 |
| Credit loss provision to net charge-offs | -11,538.4615% | 5,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.4151% | 5,554 |
| Assets per employee ($millions) | 6.2450% | 1,353 |
| Cash dividends to net income (ytd only)* | 62.3815% | 1,640 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7131% | 923 |
| Loan loss allowance to noncurrent loans | 16.2299% | 5,006 |
| Noncurrent assets plus other real estate owned to assets | 8.4837% | 29 |
| Noncurrent loans to loans | 10.5550% | 20 |
| Net loans and leases to total assets | 78.9623% | 1,128 |
| Net loans and leases to deposits | 89.2918% | 1,856 |
| Net loans and leases to core deposits | 98.6048% | 1,819 |
| Total domestic deposits to total assets | 88.4317% | 1,281 |
| Equity capital to assets | 11.2050% | 2,423 |
| Core capital (leverage) ratio | 10.7630% | 2,575 |
| Tier 1 risk-based capital ratio | 12.9747% | 3,919 |
| Total risk-based capital ratio | 14.2304% | 3,814 |
| Memoranda: |
| Average total assets | $341,255,200 | 1,956 |
| Average earning assets | $323,548,200 | 1,923 |
| Average equity | $38,342,200 | 1,918 |
| Average total loans | $278,506,200 | 1,667 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4874% | 1,681 |
| Cost of funding earning assets | 0.5378% | 1,972 |
| Net interest margin | 3.9497% | 1,860 |
| Noninterest income to average assets | 0.2603% | 4,643 |
| Noninterest expense to average assets | 1.7185% | 5,349 |
| Loan and lease loss provision to assets | 0.5924% | 186 |
| Net operating income to assets | 1.5779% | 757 |
| Return on assets (ROA) | 1.5779% | 771 |
| Pretax return on assets | 1.6971% | 1,134 |
| Return on Equity (ROE) | 14.0333% | 825 |
| Retained earnings to average equity (ytd only) | 0.8571% | 5,020 |
| Net charge-offs to loans | -0.0063% | 4,504 |
| Credit loss provision to net charge-offs | -11,538.4615% | 5,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.4509% | 5,611 |
| Assets per employee ($millions) | 6.7150% | 1,062 |
| Cash dividends to net income (ytd only)* | 93.8925% | 387 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7155% | 999 |
| Loan loss allowance to noncurrent loans | 16.5759% | 5,098 |
| Noncurrent assets plus other real estate owned to assets | 8.6487% | 35 |
| Noncurrent loans to loans | 10.3493% | 25 |
| Net loans and leases to total assets | 81.9574% | 697 |
| Net loans and leases to deposits | 92.6266% | 1,478 |
| Net loans and leases to core deposits | 100.9266% | 1,629 |
| Total domestic deposits to total assets | 88.4815% | 1,132 |
| Equity capital to assets | 11.1173% | 2,748 |
| Core capital (leverage) ratio | 10.1462% | 3,385 |
| Tier 1 risk-based capital ratio | 12.3435% | 4,410 |
| Total risk-based capital ratio | 13.5995% | 4,316 |
| Memoranda: |
| Average total assets | $337,577,750 | 1,984 |
| Average earning assets | $320,323,750 | 1,947 |
| Average equity | $37,956,250 | 1,948 |
| Average total loans | $276,638,500 | 1,681 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7985% | 860 |
| Cost of funding earning assets | 0.4929% | 2,228 |
| Net interest margin | 4.3056% | 844 |
| Noninterest income to average assets | 0.2659% | 4,640 |
| Noninterest expense to average assets | 1.5792% | 5,510 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.6243% | 109 |
| Return on assets (ROA) | 2.6243% | 109 |
| Pretax return on assets | 2.7662% | 145 |
| Return on Equity (ROE) | 22.6936% | 113 |
| Retained earnings to average equity (ytd only) | 14.2258% | 170 |
| Net charge-offs to loans | -0.0073% | 4,434 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.2589% | 5,733 |
| Assets per employee ($millions) | 6.0824% | 1,395 |
| Cash dividends to net income (ytd only)* | 37.3134% | 2,451 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2168% | 2,915 |
| Loan loss allowance to noncurrent loans | 40.8664% | 4,778 |
| Noncurrent assets plus other real estate owned to assets | 2.4018% | 470 |
| Noncurrent loans to loans | 2.9774% | 437 |
| Net loans and leases to total assets | 79.5234% | 1,020 |
| Net loans and leases to deposits | 90.5394% | 1,660 |
| Net loans and leases to core deposits | 99.6181% | 1,675 |
| Total domestic deposits to total assets | 87.8330% | 1,540 |
| Equity capital to assets | 11.7921% | 2,078 |
| Core capital (leverage) ratio | 10.9677% | 2,443 |
| Tier 1 risk-based capital ratio | 13.8875% | 3,481 |
| Total risk-based capital ratio | 15.1375% | 3,407 |
| Memoranda: |
| Average total assets | $337,002,000 | 1,993 |
| Average earning assets | $319,308,000 | 1,958 |
| Average equity | $38,971,330 | 1,916 |
| Average total loans | $273,659,330 | 1,696 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7564% | 833 |
| Cost of funding earning assets | 0.4279% | 2,741 |
| Net interest margin | 4.3285% | 731 |
| Noninterest income to average assets | 0.2782% | 4,561 |
| Noninterest expense to average assets | 1.6077% | 5,550 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.5868% | 122 |
| Return on assets (ROA) | 2.5868% | 127 |
| Pretax return on assets | 2.7638% | 159 |
| Return on Equity (ROE) | 22.6013% | 133 |
| Retained earnings to average equity (ytd only) | 5.2400% | 2,761 |
| Net charge-offs to loans | -0.0148% | 4,584 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.6446% | 5,786 |
| Assets per employee ($millions) | 6.0321% | 1,489 |
| Cash dividends to net income (ytd only)* | 76.8156% | 1,021 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2644% | 2,729 |
| Loan loss allowance to noncurrent loans | 44.7313% | 4,759 |
| Noncurrent assets plus other real estate owned to assets | 2.2935% | 535 |
| Noncurrent loans to loans | 2.8267% | 507 |
| Net loans and leases to total assets | 79.9331% | 841 |
| Net loans and leases to deposits | 90.7703% | 1,452 |
| Net loans and leases to core deposits | 100.2965% | 1,485 |
| Total domestic deposits to total assets | 88.0608% | 1,686 |
| Equity capital to assets | 11.5522% | 2,148 |
| Core capital (leverage) ratio | 10.6707% | 2,718 |
| Tier 1 risk-based capital ratio | 13.1909% | 3,957 |
| Total risk-based capital ratio | 14.4412% | 3,876 |
| Memoranda: |
| Average total assets | $332,153,500 | 2,032 |
| Average earning assets | $314,104,500 | 2,000 |
| Average equity | $38,015,500 | 1,960 |
| Average total loans | $270,937,500 | 1,724 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5556% | 1,392 |
| Cost of funding earning assets | 0.3382% | 3,652 |
| Net interest margin | 4.2174% | 1,076 |
| Noninterest income to average assets | 0.2705% | 4,796 |
| Noninterest expense to average assets | 1.6546% | 5,601 |
| Loan and lease loss provision to assets | 0.3991% | 390 |
| Net operating income to assets | 2.1038% | 263 |
| Return on assets (ROA) | 2.1058% | 270 |
| Pretax return on assets | 2.2007% | 323 |
| Return on Equity (ROE) | 19.3107% | 248 |
| Retained earnings to average equity (ytd only) | 5.4573% | 2,040 |
| Net charge-offs to loans | 0.0082% | 3,982 |
| Credit loss provision to net charge-offs | 6,136.3636% | 73 |
| Earnings coverage of net charge-offs (x) | 399.4091% | 202 |
| Efficiency ratio | 34.7539% | 5,837 |
| Assets per employee ($millions) | 6.1582% | 1,361 |
| Cash dividends to net income (ytd only)* | 71.7394% | 1,235 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2390% | 2,884 |
| Loan loss allowance to noncurrent loans | 76.2098% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 1.3692% | 1,258 |
| Noncurrent loans to loans | 1.6258% | 1,203 |
| Net loans and leases to total assets | 81.1636% | 721 |
| Net loans and leases to deposits | 91.9348% | 1,466 |
| Net loans and leases to core deposits | 102.0674% | 1,444 |
| Total domestic deposits to total assets | 88.2839% | 1,497 |
| Equity capital to assets | 11.3384% | 2,300 |
| Core capital (leverage) ratio | 10.6546% | 2,716 |
| Tier 1 risk-based capital ratio | 12.8994% | 4,133 |
| Total risk-based capital ratio | 14.1423% | 4,033 |
| Memoranda: |
| Average total assets | $338,260,400 | 1,960 |
| Average earning assets | $319,368,200 | 1,923 |
| Average equity | $36,886,200 | 1,984 |
| Average total loans | $266,785,000 | 1,694 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4891% | 1,580 |
| Cost of funding earning assets | 0.3207% | 3,860 |
| Net interest margin | 4.1684% | 1,206 |
| Noninterest income to average assets | 0.2689% | 4,851 |
| Noninterest expense to average assets | 1.6297% | 5,668 |
| Loan and lease loss provision to assets | 0.2355% | 827 |
| Net operating income to assets | 2.2405% | 232 |
| Return on assets (ROA) | 2.2432% | 242 |
| Pretax return on assets | 2.3444% | 285 |
| Return on Equity (ROE) | 20.7729% | 203 |
| Retained earnings to average equity (ytd only) | 2.9587% | 4,134 |
| Net charge-offs to loans | 0.0111% | 3,545 |
| Credit loss provision to net charge-offs | 2,727.2727% | 180 |
| Earnings coverage of net charge-offs (x) | 298.4811% | 275 |
| Efficiency ratio | 34.5494% | 5,904 |
| Assets per employee ($millions) | 6.5432% | 1,075 |
| Cash dividends to net income (ytd only)* | 85.7567% | 610 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9595% | 4,621 |
| Loan loss allowance to noncurrent loans | 93.4420% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 0.9138% | 2,270 |
| Noncurrent loans to loans | 1.0268% | 2,194 |
| Net loans and leases to total assets | 79.9727% | 900 |
| Net loans and leases to deposits | 100.0721% | 704 |
| Net loans and leases to core deposits | 111.1464% | 857 |
| Total domestic deposits to total assets | 79.9151% | 4,527 |
| Equity capital to assets | 10.9844% | 3,026 |
| Core capital (leverage) ratio | 9.8573% | 3,744 |
| Tier 1 risk-based capital ratio | 12.4228% | 4,522 |
| Total risk-based capital ratio | 13.3902% | 4,615 |
| Memoranda: |
| Average total assets | $339,690,000 | 1,955 |
| Average earning assets | $320,918,250 | 1,920 |
| Average equity | $36,681,500 | 2,002 |
| Average total loans | $265,159,000 | 1,701 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4427% | 1,701 |
| Cost of funding earning assets | 0.2954% | 4,188 |
| Net interest margin | 4.1472% | 1,241 |
| Noninterest income to average assets | 0.2610% | 4,918 |
| Noninterest expense to average assets | 1.5240% | 5,820 |
| Loan and lease loss provision to assets | 0.0589% | 2,966 |
| Net operating income to assets | 2.4850% | 155 |
| Return on assets (ROA) | 2.4889% | 156 |
| Pretax return on assets | 2.6020% | 190 |
| Return on Equity (ROE) | 23.1820% | 126 |
| Retained earnings to average equity (ytd only) | 6.6336% | 1,791 |
| Net charge-offs to loans | 0.0168% | 3,179 |
| Credit loss provision to net charge-offs | 454.5455% | 707 |
| Earnings coverage of net charge-offs (x) | 205.0000% | 321 |
| Efficiency ratio | 32.2390% | 5,998 |
| Assets per employee ($millions) | 6.3133% | 1,188 |
| Cash dividends to net income (ytd only)* | 71.3846% | 1,136 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7822% | 5,319 |
| Loan loss allowance to noncurrent loans | 25.5564% | 5,349 |
| Noncurrent assets plus other real estate owned to assets | 2.4128% | 592 |
| Noncurrent loans to loans | 3.0606% | 480 |
| Net loans and leases to total assets | 78.0299% | 1,201 |
| Net loans and leases to deposits | 97.5665% | 922 |
| Net loans and leases to core deposits | 105.1185% | 1,246 |
| Total domestic deposits to total assets | 79.9762% | 4,552 |
| Equity capital to assets | 10.9590% | 3,104 |
| Core capital (leverage) ratio | 10.1895% | 3,345 |
| Tier 1 risk-based capital ratio | 12.4209% | 4,578 |
| Total risk-based capital ratio | 13.1976% | 4,774 |
| Memoranda: |
| Average total assets | $339,505,000 | 1,963 |
| Average earning assets | $320,889,330 | 1,927 |
| Average equity | $36,450,670 | 2,018 |
| Average total loans | $261,965,670 | 1,716 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4567% | 1,639 |
| Cost of funding earning assets | 0.2804% | 4,384 |
| Net interest margin | 4.1763% | 1,153 |
| Noninterest income to average assets | 0.2622% | 4,851 |
| Noninterest expense to average assets | 1.5481% | 5,870 |
| Loan and lease loss provision to assets | 0.1192% | 1,769 |
| Net operating income to assets | 2.4197% | 178 |
| Return on assets (ROA) | 2.4276% | 182 |
| Pretax return on assets | 2.5432% | 221 |
| Return on Equity (ROE) | 22.8559% | 131 |
| Retained earnings to average equity (ytd only) | -10.9847% | 5,834 |
| Net charge-offs to loans | 0.0125% | 2,707 |
| Credit loss provision to net charge-offs | 1,250.0000% | 318 |
| Earnings coverage of net charge-offs (x) | 278.3750% | 217 |
| Efficiency ratio | 32.5865% | 6,056 |
| Assets per employee ($millions) | 6.0525% | 1,374 |
| Cash dividends to net income (ytd only)* | 148.0609% | 391 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8409% | 5,255 |
| Loan loss allowance to noncurrent loans | 73.3038% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 0.8916% | 2,460 |
| Noncurrent loans to loans | 1.1471% | 2,114 |
| Net loans and leases to total assets | 76.1640% | 1,368 |
| Net loans and leases to deposits | 87.2657% | 1,909 |
| Net loans and leases to core deposits | 91.7669% | 2,205 |
| Total domestic deposits to total assets | 87.2783% | 2,060 |
| Equity capital to assets | 10.5952% | 3,382 |
| Core capital (leverage) ratio | 9.6362% | 3,985 |
| Tier 1 risk-based capital ratio | 12.3923% | 4,658 |
| Total risk-based capital ratio | 13.2281% | 4,845 |
| Memoranda: |
| Average total assets | $335,642,000 | 1,997 |
| Average earning assets | $316,645,000 | 1,959 |
| Average equity | $35,649,500 | 2,051 |
| Average total loans | $256,408,500 | 1,755 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2019% | 2,550 |
| Cost of funding earning assets | 0.2222% | 5,074 |
| Net interest margin | 3.9797% | 1,784 |
| Noninterest income to average assets | 0.2602% | 5,034 |
| Noninterest expense to average assets | 1.6699% | 5,866 |
| Loan and lease loss provision to assets | 0.0829% | 2,638 |
| Net operating income to assets | 2.1089% | 290 |
| Return on assets (ROA) | 2.1089% | 295 |
| Pretax return on assets | 2.2507% | 311 |
| Return on Equity (ROE) | 20.3982% | 228 |
| Retained earnings to average equity (ytd only) | 2.3250% | 4,404 |
| Net charge-offs to loans | 0.0075% | 4,181 |
| Credit loss provision to net charge-offs | 1,555.5556% | 223 |
| Earnings coverage of net charge-offs (x) | 437.9444% | 150 |
| Efficiency ratio | 37.2893% | 6,098 |
| Assets per employee ($millions) | 6.3848% | 1,148 |
| Cash dividends to net income (ytd only)* | 88.6019% | 640 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8004% | 5,408 |
| Loan loss allowance to noncurrent loans | 350.0000% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.1859% | 4,863 |
| Noncurrent loans to loans | 0.2287% | 4,606 |
| Net loans and leases to total assets | 75.3757% | 1,513 |
| Net loans and leases to deposits | 86.7900% | 2,031 |
| Net loans and leases to core deposits | 90.5849% | 2,360 |
| Total domestic deposits to total assets | 86.8483% | 2,218 |
| Equity capital to assets | 10.6470% | 3,189 |
| Core capital (leverage) ratio | 9.9976% | 3,512 |
| Tier 1 risk-based capital ratio | 12.8808% | 4,402 |
| Total risk-based capital ratio | 13.6691% | 4,578 |
| Memoranda: |
| Average total assets | $337,803,800 | 1,940 |
| Average earning assets | $317,734,800 | 1,905 |
| Average equity | $34,924,600 | 2,038 |
| Average total loans | $240,613,200 | 1,795 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1142% | 2,883 |
| Cost of funding earning assets | 0.2057% | 5,327 |
| Net interest margin | 3.9085% | 2,003 |
| Noninterest income to average assets | 0.2575% | 5,096 |
| Noninterest expense to average assets | 1.6442% | 5,951 |
| Loan and lease loss provision to assets | 0.0711% | 2,758 |
| Net operating income to assets | 2.0620% | 327 |
| Return on assets (ROA) | 2.0620% | 344 |
| Pretax return on assets | 2.2184% | 395 |
| Return on Equity (ROE) | 20.0946% | 266 |
| Retained earnings to average equity (ytd only) | -2.5936% | 5,904 |
| Net charge-offs to loans | 0.0101% | 3,818 |
| Credit loss provision to net charge-offs | 1,000.0000% | 358 |
| Earnings coverage of net charge-offs (x) | 322.1029% | 228 |
| Efficiency ratio | 37.2917% | 6,171 |
| Assets per employee ($millions) | 6.2330% | 1,216 |
| Cash dividends to net income (ytd only)* | 112.9070% | 257 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7748% | 5,571 |
| Loan loss allowance to noncurrent loans | 611.8750% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.1056% | 5,323 |
| Noncurrent loans to loans | 0.1266% | 5,122 |
| Net loans and leases to total assets | 73.1445% | 1,882 |
| Net loans and leases to deposits | 90.7551% | 1,557 |
| Net loans and leases to core deposits | 95.0056% | 1,978 |
| Total domestic deposits to total assets | 80.5954% | 4,580 |
| Equity capital to assets | 9.9995% | 4,149 |
| Core capital (leverage) ratio | 9.2750% | 4,621 |
| Tier 1 risk-based capital ratio | 11.5037% | 5,374 |
| Total risk-based capital ratio | 12.2057% | 5,588 |
| Memoranda: |
| Average total assets | $337,655,500 | 1,951 |
| Average earning assets | $317,592,500 | 1,919 |
| Average equity | $34,648,500 | 2,073 |
| Average total loans | $236,484,750 | 1,832 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9964% | 3,308 |
| Cost of funding earning assets | 0.1798% | 5,616 |
| Net interest margin | 3.8167% | 2,251 |
| Noninterest income to average assets | 0.2518% | 5,148 |
| Noninterest expense to average assets | 1.5664% | 6,072 |
| Loan and lease loss provision to assets | 0.1072% | 2,044 |
| Net operating income to assets | 1.9819% | 376 |
| Return on assets (ROA) | 1.9819% | 391 |
| Pretax return on assets | 2.1683% | 439 |
| Return on Equity (ROE) | 19.1480% | 318 |
| Retained earnings to average equity (ytd only) | 2.6286% | 4,385 |
| Net charge-offs to loans | 0.0130% | 3,468 |
| Credit loss provision to net charge-offs | 1,200.0000% | 295 |
| Earnings coverage of net charge-offs (x) | 254.8000% | 270 |
| Efficiency ratio | 36.1382% | 6,259 |
| Assets per employee ($millions) | 6.1058% | 1,274 |
| Cash dividends to net income (ytd only)* | 86.2722% | 792 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8023% | 5,598 |
| Loan loss allowance to noncurrent loans | 263.5753% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.2261% | 4,967 |
| Noncurrent loans to loans | 0.3044% | 4,595 |
| Net loans and leases to total assets | 69.6656% | 2,368 |
| Net loans and leases to deposits | 87.8481% | 1,856 |
| Net loans and leases to core deposits | 89.0434% | 2,446 |
| Total domestic deposits to total assets | 79.3024% | 5,026 |
| Equity capital to assets | 10.0638% | 3,963 |
| Core capital (leverage) ratio | 9.9460% | 3,687 |
| Tier 1 risk-based capital ratio | 13.1652% | 4,419 |
| Total risk-based capital ratio | 13.9439% | 4,612 |
| Memoranda: |
| Average total assets | $335,935,330 | 1,976 |
| Average earning assets | $315,983,670 | 1,941 |
| Average equity | $34,771,330 | 2,071 |
| Average total loans | $231,076,670 | 1,876 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9903% | 3,262 |
| Cost of funding earning assets | 0.1783% | 5,690 |
| Net interest margin | 3.8121% | 2,192 |
| Noninterest income to average assets | 0.2631% | 5,070 |
| Noninterest expense to average assets | 1.6369% | 6,076 |
| Loan and lease loss provision to assets | 0.2183% | 812 |
| Net operating income to assets | 1.7060% | 582 |
| Return on assets (ROA) | 1.7060% | 610 |
| Pretax return on assets | 1.9861% | 606 |
| Return on Equity (ROE) | 16.2450% | 538 |
| Retained earnings to average equity (ytd only) | -16.9147% | 6,243 |
| Net charge-offs to loans | -0.0036% | 4,426 |
| Credit loss provision to net charge-offs | -9,000.0000% | 5,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.8788% | 6,308 |
| Assets per employee ($millions) | 5.7576% | 1,581 |
| Cash dividends to net income (ytd only)* | 204.1222% | 222 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8896% | 5,467 |
| Loan loss allowance to noncurrent loans | 3,470.1754% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.0311% | 5,816 |
| Noncurrent loans to loans | 0.0256% | 5,702 |
| Net loans and leases to total assets | 67.1485% | 2,588 |
| Net loans and leases to deposits | 75.5929% | 3,102 |
| Net loans and leases to core deposits | 76.4863% | 3,540 |
| Total domestic deposits to total assets | 88.8291% | 1,375 |
| Equity capital to assets | 10.3558% | 3,710 |
| Core capital (leverage) ratio | 9.4718% | 4,325 |
| Tier 1 risk-based capital ratio | 13.1468% | 4,533 |
| Total risk-based capital ratio | 13.9811% | 4,689 |
| Memoranda: |
| Average total assets | $329,887,500 | 2,023 |
| Average earning assets | $309,649,000 | 1,990 |
| Average equity | $34,644,500 | 2,088 |
| Average total loans | $224,405,500 | 1,917 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9202% | 4,054 |
| Cost of funding earning assets | 0.2092% | 5,670 |
| Net interest margin | 3.7110% | 2,970 |
| Noninterest income to average assets | 0.2913% | 5,032 |
| Noninterest expense to average assets | 1.6226% | 6,222 |
| Loan and lease loss provision to assets | 0.0803% | 2,875 |
| Net operating income to assets | 2.0035% | 326 |
| Return on assets (ROA) | 2.0035% | 338 |
| Pretax return on assets | 2.0622% | 452 |
| Return on Equity (ROE) | 19.8408% | 261 |
| Retained earnings to average equity (ytd only) | 6.6687% | 1,561 |
| Net charge-offs to loans | -0.0174% | 5,672 |
| Credit loss provision to net charge-offs | -722.2222% | 5,853 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.1902% | 6,421 |
| Assets per employee ($millions) | 5.8174% | 1,514 |
| Cash dividends to net income (ytd only)* | 66.3891% | 1,445 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7931% | 5,791 |
| Loan loss allowance to noncurrent loans | 727.1255% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.0929% | 5,656 |
| Noncurrent loans to loans | 0.1091% | 5,460 |
| Net loans and leases to total assets | 67.7540% | 2,597 |
| Net loans and leases to deposits | 77.1922% | 3,062 |
| Net loans and leases to core deposits | 78.1059% | 3,507 |
| Total domestic deposits to total assets | 87.7732% | 1,883 |
| Equity capital to assets | 10.6465% | 3,302 |
| Core capital (leverage) ratio | 9.1979% | 4,681 |
| Tier 1 risk-based capital ratio | 12.4598% | 5,056 |
| Total risk-based capital ratio | 13.2150% | 5,288 |
| Memoranda: |
| Average total assets | $323,734,200 | 2,006 |
| Average earning assets | $303,043,600 | 1,980 |
| Average equity | $32,690,200 | 2,128 |
| Average total loans | $207,175,400 | 1,992 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8548% | 4,352 |
| Cost of funding earning assets | 0.2115% | 5,741 |
| Net interest margin | 3.6433% | 3,253 |
| Noninterest income to average assets | 0.3046% | 5,009 |
| Noninterest expense to average assets | 1.5883% | 6,295 |
| Loan and lease loss provision to assets | 0.1077% | 2,242 |
| Net operating income to assets | 1.9678% | 362 |
| Return on assets (ROA) | 1.9678% | 374 |
| Pretax return on assets | 2.0209% | 541 |
| Return on Equity (ROE) | 19.7641% | 298 |
| Retained earnings to average equity (ytd only) | 1.8436% | 5,131 |
| Net charge-offs to loans | -0.0250% | 5,681 |
| Credit loss provision to net charge-offs | -684.2105% | 5,813 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.7480% | 6,488 |
| Assets per employee ($millions) | 6.0472% | 1,301 |
| Cash dividends to net income (ytd only)* | 90.6717% | 509 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8209% | 5,824 |
| Loan loss allowance to noncurrent loans | 1,728.8462% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.0514% | 5,945 |
| Noncurrent loans to loans | 0.0475% | 5,824 |
| Net loans and leases to total assets | 66.5225% | 2,768 |
| Net loans and leases to deposits | 79.3695% | 2,785 |
| Net loans and leases to core deposits | 80.3694% | 3,278 |
| Total domestic deposits to total assets | 83.8137% | 3,832 |
| Equity capital to assets | 10.2426% | 3,870 |
| Core capital (leverage) ratio | 8.4815% | 5,674 |
| Tier 1 risk-based capital ratio | 11.9920% | 5,490 |
| Total risk-based capital ratio | 12.7691% | 5,708 |
| Memoranda: |
| Average total assets | $321,769,750 | 2,032 |
| Average earning assets | $301,365,250 | 2,006 |
| Average equity | $32,037,000 | 2,172 |
| Average total loans | $202,353,500 | 2,034 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7588% | 4,658 |
| Cost of funding earning assets | 0.2026% | 5,886 |
| Net interest margin | 3.5562% | 3,547 |
| Noninterest income to average assets | 0.2536% | 5,379 |
| Noninterest expense to average assets | 1.4898% | 6,429 |
| Loan and lease loss provision to assets | 0.0999% | 2,355 |
| Net operating income to assets | 1.9108% | 404 |
| Return on assets (ROA) | 1.9108% | 421 |
| Pretax return on assets | 1.9864% | 572 |
| Return on Equity (ROE) | 19.3810% | 327 |
| Retained earnings to average equity (ytd only) | 6.8046% | 1,869 |
| Net charge-offs to loans | 0.0722% | 2,982 |
| Credit loss provision to net charge-offs | 225.3521% | 1,060 |
| Earnings coverage of net charge-offs (x) | 47.0423% | 951 |
| Efficiency ratio | 36.4541% | 6,573 |
| Assets per employee ($millions) | 6.2190% | 1,162 |
| Cash dividends to net income (ytd only)* | 64.8905% | 1,329 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7491% | 6,091 |
| Loan loss allowance to noncurrent loans | 533.2215% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.1322% | 5,758 |
| Noncurrent loans to loans | 0.1405% | 5,582 |
| Net loans and leases to total assets | 62.6888% | 3,288 |
| Net loans and leases to deposits | 81.9107% | 2,260 |
| Net loans and leases to core deposits | 83.0104% | 2,853 |
| Total domestic deposits to total assets | 76.5332% | 5,856 |
| Equity capital to assets | 9.7622% | 4,416 |
| Core capital (leverage) ratio | 8.5426% | 5,592 |
| Tier 1 risk-based capital ratio | 11.8553% | 5,621 |
| Total risk-based capital ratio | 12.5491% | 5,850 |
| Memoranda: |
| Average total assets | $320,177,000 | 2,044 |
| Average earning assets | $299,135,670 | 2,014 |
| Average equity | $31,567,000 | 2,185 |
| Average total loans | $196,796,000 | 2,074 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6765% | 4,923 |
| Cost of funding earning assets | 0.2020% | 5,972 |
| Net interest margin | 3.4744% | 3,807 |
| Noninterest income to average assets | 0.2664% | 5,238 |
| Noninterest expense to average assets | 1.5764% | 6,448 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.8069% | 480 |
| Return on assets (ROA) | 1.8069% | 500 |
| Pretax return on assets | 1.9273% | 619 |
| Return on Equity (ROE) | 18.2309% | 426 |
| Retained earnings to average equity (ytd only) | -7.4164% | 6,262 |
| Net charge-offs to loans | 0.1565% | 1,778 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 20.3378% | 1,337 |
| Efficiency ratio | 39.5468% | 6,597 |
| Assets per employee ($millions) | 6.0404% | 1,276 |
| Cash dividends to net income (ytd only)* | 140.6804% | 435 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7435% | 6,204 |
| Loan loss allowance to noncurrent loans | 250.1754% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.2286% | 5,517 |
| Noncurrent loans to loans | 0.2972% | 5,225 |
| Net loans and leases to total assets | 60.6095% | 3,459 |
| Net loans and leases to deposits | 70.4433% | 3,543 |
| Net loans and leases to core deposits | 71.8917% | 3,881 |
| Total domestic deposits to total assets | 86.0402% | 3,346 |
| Equity capital to assets | 9.8322% | 4,061 |
| Core capital (leverage) ratio | 8.4432% | 5,709 |
| Tier 1 risk-based capital ratio | 12.0418% | 5,615 |
| Total risk-based capital ratio | 12.7191% | 5,881 |
| Memoranda: |
| Average total assets | $312,352,000 | 2,096 |
| Average earning assets | $291,039,000 | 2,073 |
| Average equity | $30,958,500 | 2,213 |
| Average total loans | $189,136,500 | 2,141 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7524% | 4,967 |
| Cost of funding earning assets | 0.2262% | 6,135 |
| Net interest margin | 3.5262% | 3,785 |
| Noninterest income to average assets | 0.3225% | 5,026 |
| Noninterest expense to average assets | 1.6932% | 6,455 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.9013% | 395 |
| Return on assets (ROA) | 1.9013% | 411 |
| Pretax return on assets | 1.9280% | 569 |
| Return on Equity (ROE) | 19.5563% | 308 |
| Retained earnings to average equity (ytd only) | 13.3808% | 226 |
| Net charge-offs to loans | -0.0155% | 6,096 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3815% | 6,667 |
| Assets per employee ($millions) | 5.7519% | 1,442 |
| Cash dividends to net income (ytd only)* | 31.5780% | 3,216 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8044% | 6,167 |
| Loan loss allowance to noncurrent loans | 385.6041% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.1674% | 5,811 |
| Noncurrent loans to loans | 0.2086% | 5,558 |
| Net loans and leases to total assets | 59.5525% | 3,789 |
| Net loans and leases to deposits | 67.2961% | 4,146 |
| Net loans and leases to core deposits | 68.6750% | 4,430 |
| Total domestic deposits to total assets | 88.4934% | 1,910 |
| Equity capital to assets | 9.9915% | 3,786 |
| Core capital (leverage) ratio | 8.6068% | 5,531 |
| Tier 1 risk-based capital ratio | 12.5345% | 5,269 |
| Total risk-based capital ratio | 13.2637% | 5,543 |
| Memoranda: |
| Average total assets | $306,638,400 | 2,106 |
| Average earning assets | $286,852,600 | 2,063 |
| Average equity | $29,811,400 | 2,264 |
| Average total loans | $173,808,400 | 2,260 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7153% | 5,121 |
| Cost of funding earning assets | 0.2288% | 6,235 |
| Net interest margin | 3.4865% | 3,940 |
| Noninterest income to average assets | 0.3451% | 4,931 |
| Noninterest expense to average assets | 1.7248% | 6,442 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.8548% | 471 |
| Return on assets (ROA) | 1.8548% | 484 |
| Pretax return on assets | 1.8906% | 723 |
| Return on Equity (ROE) | 19.2138% | 359 |
| Retained earnings to average equity (ytd only) | 14.2839% | 237 |
| Net charge-offs to loans | -0.0039% | 5,750 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9749% | 6,730 |
| Assets per employee ($millions) | 5.5590% | 1,574 |
| Cash dividends to net income (ytd only)* | 25.6585% | 2,861 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8092% | 6,263 |
| Loan loss allowance to noncurrent loans | 375.1269% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.1570% | 5,966 |
| Noncurrent loans to loans | 0.2157% | 5,695 |
| Net loans and leases to total assets | 59.2525% | 3,815 |
| Net loans and leases to deposits | 70.6869% | 3,688 |
| Net loans and leases to core deposits | 71.8843% | 4,111 |
| Total domestic deposits to total assets | 83.8238% | 4,268 |
| Equity capital to assets | 9.9020% | 4,047 |
| Core capital (leverage) ratio | 8.2123% | 6,047 |
| Tier 1 risk-based capital ratio | 12.4349% | 5,495 |
| Total risk-based capital ratio | 13.1726% | 5,768 |
| Memoranda: |
| Average total assets | $305,647,250 | 2,114 |
| Average earning assets | $286,701,750 | 2,082 |
| Average equity | $29,505,750 | 2,306 |
| Average total loans | $170,642,500 | 2,307 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6659% | 5,251 |
| Cost of funding earning assets | 0.2163% | 6,395 |
| Net interest margin | 3.4496% | 4,008 |
| Noninterest income to average assets | 0.2598% | 5,597 |
| Noninterest expense to average assets | 1.7892% | 6,395 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.6819% | 644 |
| Return on assets (ROA) | 1.6819% | 705 |
| Pretax return on assets | 1.7061% | 1,102 |
| Return on Equity (ROE) | 17.5731% | 500 |
| Retained earnings to average equity (ytd only) | 15.6380% | 204 |
| Net charge-offs to loans | -0.0012% | 5,501 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4529% | 6,767 |
| Assets per employee ($millions) | 5.8142% | 1,343 |
| Cash dividends to net income (ytd only)* | 11.0117% | 3,282 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8441% | 6,267 |
| Loan loss allowance to noncurrent loans | 398.3784% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.1483% | 6,050 |
| Noncurrent loans to loans | 0.2119% | 5,774 |
| Net loans and leases to total assets | 56.1906% | 4,249 |
| Net loans and leases to deposits | 67.5275% | 4,075 |
| Net loans and leases to core deposits | 68.6667% | 4,433 |
| Total domestic deposits to total assets | 83.2115% | 4,621 |
| Equity capital to assets | 9.6177% | 4,428 |
| Core capital (leverage) ratio | 8.1622% | 6,048 |
| Tier 1 risk-based capital ratio | 12.5077% | 5,492 |
| Total risk-based capital ratio | 13.2695% | 5,731 |
| Memoranda: |
| Average total assets | $305,614,330 | 2,119 |
| Average earning assets | $286,644,330 | 2,087 |
| Average equity | $29,249,330 | 2,323 |
| Average total loans | $166,643,330 | 2,348 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6496% | 5,306 |
| Cost of funding earning assets | 0.2156% | 6,503 |
| Net interest margin | 3.4340% | 3,988 |
| Noninterest income to average assets | 0.2642% | 5,570 |
| Noninterest expense to average assets | 1.8111% | 6,424 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.6810% | 610 |
| Return on assets (ROA) | 1.6810% | 673 |
| Pretax return on assets | 1.6560% | 1,177 |
| Return on Equity (ROE) | 17.6077% | 463 |
| Retained earnings to average equity (ytd only) | 13.7117% | 476 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3806% | 6,824 |
| Assets per employee ($millions) | 5.5852% | 1,591 |
| Cash dividends to net income (ytd only)* | 22.1267% | 2,264 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9290% | 6,186 |
| Loan loss allowance to noncurrent loans | 666.0633% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.1006% | 6,284 |
| Noncurrent loans to loans | 0.1395% | 6,049 |
| Net loans and leases to total assets | 51.1036% | 4,826 |
| Net loans and leases to deposits | 57.5211% | 5,091 |
| Net loans and leases to core deposits | 58.8170% | 5,264 |
| Total domestic deposits to total assets | 88.8432% | 1,771 |
| Equity capital to assets | 9.5887% | 4,723 |
| Core capital (leverage) ratio | 7.5726% | 6,436 |
| Tier 1 risk-based capital ratio | 12.6222% | 5,501 |
| Total risk-based capital ratio | 13.4425% | 5,753 |
| Memoranda: |
| Average total assets | $304,346,000 | 2,158 |
| Average earning assets | $283,865,000 | 2,126 |
| Average equity | $29,055,500 | 2,371 |
| Average total loans | $162,652,000 | 2,414 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2063% | 4,572 |
| Cost of funding earning assets | 0.2981% | 6,463 |
| Net interest margin | 3.9083% | 2,791 |
| Noninterest income to average assets | 0.2627% | 5,583 |
| Noninterest expense to average assets | 1.6110% | 6,795 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 2.2268% | 240 |
| Return on assets (ROA) | 2.2268% | 264 |
| Pretax return on assets | 2.3308% | 322 |
| Return on Equity (ROE) | 22.3175% | 205 |
| Retained earnings to average equity (ytd only) | 9.0321% | 811 |
| Net charge-offs to loans | -0.0067% | 6,419 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6164% | 6,936 |
| Assets per employee ($millions) | 5.4820% | 1,699 |
| Cash dividends to net income (ytd only)* | 59.5289% | 1,826 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8828% | 6,303 |
| Loan loss allowance to noncurrent loans | 787.7005% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.0915% | 6,363 |
| Noncurrent loans to loans | 0.1121% | 6,210 |
| Net loans and leases to total assets | 54.8500% | 4,479 |
| Net loans and leases to deposits | 61.7088% | 4,814 |
| Net loans and leases to core deposits | 63.0046% | 5,062 |
| Total domestic deposits to total assets | 88.8852% | 1,648 |
| Equity capital to assets | 9.5042% | 4,868 |
| Core capital (leverage) ratio | 8.5060% | 5,599 |
| Tier 1 risk-based capital ratio | 11.6194% | 6,021 |
| Total risk-based capital ratio | 12.4187% | 6,250 |
| Memoranda: |
| Average total assets | $228,801,000 | 2,741 |
| Average earning assets | $215,389,800 | 2,672 |
| Average equity | $22,829,600 | 2,869 |
| Average total loans | $134,353,000 | 2,804 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3952% | 4,071 |
| Cost of funding earning assets | 0.3235% | 6,494 |
| Net interest margin | 4.0718% | 2,202 |
| Noninterest income to average assets | 0.2728% | 5,604 |
| Noninterest expense to average assets | 1.6427% | 6,837 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.4466% | 194 |
| Return on assets (ROA) | 2.4466% | 210 |
| Pretax return on assets | 2.4947% | 294 |
| Return on Equity (ROE) | 24.1108% | 162 |
| Retained earnings to average equity (ytd only) | 14.5289% | 266 |
| Net charge-offs to loans | -0.0011% | 6,186 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.4027% | 7,038 |
| Assets per employee ($millions) | 5.2768% | 1,850 |
| Cash dividends to net income (ytd only)* | 39.7413% | 2,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1394% | 5,558 |
| Loan loss allowance to noncurrent loans | 108.1181% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 0.6674% | 5,011 |
| Noncurrent loans to loans | 1.0539% | 4,333 |
| Net loans and leases to total assets | 58.7530% | 3,997 |
| Net loans and leases to deposits | 72.7038% | 3,497 |
| Net loans and leases to core deposits | 75.2804% | 3,814 |
| Total domestic deposits to total assets | 80.8115% | 5,420 |
| Equity capital to assets | 10.6185% | 3,709 |
| Core capital (leverage) ratio | 9.3887% | 4,452 |
| Tier 1 risk-based capital ratio | 14.9067% | 3,916 |
| Total risk-based capital ratio | 15.9945% | 3,978 |
| Memoranda: |
| Average total assets | $210,624,250 | 2,950 |
| Average earning assets | $199,908,500 | 2,863 |
| Average equity | $21,373,000 | 3,082 |
| Average total loans | $126,228,750 | 2,987 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4068% | 4,163 |
| Cost of funding earning assets | 0.3339% | 6,582 |
| Net interest margin | 4.0729% | 2,196 |
| Noninterest income to average assets | 0.2635% | 5,696 |
| Noninterest expense to average assets | 1.5897% | 6,937 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.5048% | 176 |
| Return on assets (ROA) | 2.5048% | 200 |
| Pretax return on assets | 2.5422% | 286 |
| Return on Equity (ROE) | 25.0868% | 145 |
| Retained earnings to average equity (ytd only) | 10.3457% | 882 |
| Net charge-offs to loans | -0.0096% | 6,276 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.1521% | 7,106 |
| Assets per employee ($millions) | 5.5561% | 1,573 |
| Cash dividends to net income (ytd only)* | 58.7605% | 1,413 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1284% | 5,655 |
| Loan loss allowance to noncurrent loans | 1,670.4545% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.0821% | 6,608 |
| Noncurrent loans to loans | 0.0676% | 6,500 |
| Net loans and leases to total assets | 59.4404% | 3,925 |
| Net loans and leases to deposits | 74.0488% | 3,286 |
| Net loans and leases to core deposits | 78.5815% | 3,440 |
| Total domestic deposits to total assets | 80.2719% | 5,672 |
| Equity capital to assets | 10.0154% | 4,308 |
| Core capital (leverage) ratio | 8.8850% | 5,072 |
| Tier 1 risk-based capital ratio | 13.7340% | 4,633 |
| Total risk-based capital ratio | 14.8080% | 4,743 |
| Memoranda: |
| Average total assets | $208,716,330 | 2,983 |
| Average earning assets | $198,237,000 | 2,895 |
| Average equity | $20,839,670 | 3,126 |
| Average total loans | $125,446,330 | 3,019 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2836% | 4,800 |
| Cost of funding earning assets | 0.3479% | 6,647 |
| Net interest margin | 3.9357% | 2,779 |
| Noninterest income to average assets | 0.2599% | 5,789 |
| Noninterest expense to average assets | 1.5904% | 6,986 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.3660% | 218 |
| Return on assets (ROA) | 2.3660% | 269 |
| Pretax return on assets | 2.4051% | 386 |
| Return on Equity (ROE) | 23.7352% | 222 |
| Retained earnings to average equity (ytd only) | -6.3699% | 6,683 |
| Net charge-offs to loans | -0.0130% | 6,029 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.4352% | 7,143 |
| Assets per employee ($millions) | 5.3232% | 1,862 |
| Cash dividends to net income (ytd only)* | 126.8373% | 395 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2047% | 5,460 |
| Loan loss allowance to noncurrent loans | 260.0000% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.3160% | 6,102 |
| Noncurrent loans to loans | 0.4633% | 5,751 |
| Net loans and leases to total assets | 58.0310% | 4,030 |
| Net loans and leases to deposits | 66.0638% | 4,368 |
| Net loans and leases to core deposits | 69.9101% | 4,435 |
| Total domestic deposits to total assets | 87.8407% | 2,426 |
| Equity capital to assets | 9.7108% | 4,506 |
| Core capital (leverage) ratio | 8.4993% | 5,592 |
| Tier 1 risk-based capital ratio | 13.1514% | 5,094 |
| Total risk-based capital ratio | 14.2639% | 5,180 |
| Memoranda: |
| Average total assets | $204,731,500 | 3,055 |
| Average earning assets | $194,322,000 | 2,970 |
| Average equity | $20,408,500 | 3,178 |
| Average total loans | $123,035,000 | 3,083 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5115% | 5,026 |
| Cost of funding earning assets | 0.4358% | 6,781 |
| Net interest margin | 4.0757% | 2,542 |
| Noninterest income to average assets | 0.3102% | 5,328 |
| Noninterest expense to average assets | 1.7717% | 6,987 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 2.2965% | 190 |
| Return on assets (ROA) | 2.2965% | 203 |
| Pretax return on assets | 2.4161% | 243 |
| Return on Equity (ROE) | 22.8017% | 163 |
| Retained earnings to average equity (ytd only) | 5.9934% | 2,020 |
| Net charge-offs to loans | -0.0422% | 7,035 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8853% | 7,196 |
| Assets per employee ($millions) | 5.1759% | 1,972 |
| Cash dividends to net income (ytd only)* | 73.7153% | 1,005 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1794% | 5,489 |
| Loan loss allowance to noncurrent loans | 200.2736% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.4077% | 5,953 |
| Noncurrent loans to loans | 0.5889% | 5,537 |
| Net loans and leases to total assets | 60.7664% | 3,838 |
| Net loans and leases to deposits | 69.7512% | 4,149 |
| Net loans and leases to core deposits | 72.8273% | 4,400 |
| Total domestic deposits to total assets | 87.1188% | 2,698 |
| Equity capital to assets | 10.2333% | 3,872 |
| Core capital (leverage) ratio | 9.0965% | 4,625 |
| Tier 1 risk-based capital ratio | 13.5203% | 4,680 |
| Total risk-based capital ratio | 14.6410% | 4,750 |
| Memoranda: |
| Average total assets | $191,505,600 | 3,165 |
| Average earning assets | $182,201,800 | 3,059 |
| Average equity | $19,288,000 | 3,243 |
| Average total loans | $118,519,800 | 3,207 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5390% | 5,129 |
| Cost of funding earning assets | 0.4574% | 6,860 |
| Net interest margin | 4.0816% | 2,544 |
| Noninterest income to average assets | 0.3042% | 5,430 |
| Noninterest expense to average assets | 1.7510% | 7,045 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 2.3121% | 203 |
| Return on assets (ROA) | 2.3121% | 222 |
| Pretax return on assets | 2.4511% | 268 |
| Return on Equity (ROE) | 23.0547% | 188 |
| Retained earnings to average equity (ytd only) | 0.2393% | 5,883 |
| Net charge-offs to loans | -0.0444% | 7,031 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.2419% | 7,255 |
| Assets per employee ($millions) | 4.8857% | 2,345 |
| Cash dividends to net income (ytd only)* | 98.9622% | 316 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2078% | 5,428 |
| Loan loss allowance to noncurrent loans | 97.3208% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 0.8796% | 4,982 |
| Noncurrent loans to loans | 1.2411% | 4,468 |
| Net loans and leases to total assets | 62.3726% | 3,637 |
| Net loans and leases to deposits | 72.3277% | 3,938 |
| Net loans and leases to core deposits | 76.7224% | 4,093 |
| Total domestic deposits to total assets | 86.2361% | 3,073 |
| Equity capital to assets | 10.2476% | 4,023 |
| Core capital (leverage) ratio | 8.6608% | 5,472 |
| Tier 1 risk-based capital ratio | 13.7721% | 4,522 |
| Total risk-based capital ratio | 14.9839% | 4,510 |
| Memoranda: |
| Average total assets | $188,917,000 | 3,215 |
| Average earning assets | $180,415,500 | 3,101 |
| Average equity | $18,945,750 | 3,296 |
| Average total loans | $117,118,000 | 3,259 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4769% | 5,429 |
| Cost of funding earning assets | 0.4750% | 6,932 |
| Net interest margin | 4.0019% | 2,828 |
| Noninterest income to average assets | 0.2973% | 5,509 |
| Noninterest expense to average assets | 1.6679% | 7,210 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.3018% | 220 |
| Return on assets (ROA) | 2.3018% | 235 |
| Pretax return on assets | 2.4579% | 263 |
| Return on Equity (ROE) | 23.1225% | 196 |
| Retained earnings to average equity (ytd only) | 3.0610% | 4,330 |
| Net charge-offs to loans | -0.0586% | 7,059 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.9604% | 7,351 |
| Assets per employee ($millions) | 4.9013% | 2,258 |
| Cash dividends to net income (ytd only)* | 86.7620% | 652 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2650% | 5,226 |
| Loan loss allowance to noncurrent loans | 433.5329% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.2710% | 6,448 |
| Noncurrent loans to loans | 0.2918% | 6,335 |
| Net loans and leases to total assets | 59.1246% | 4,441 |
| Net loans and leases to deposits | 67.1180% | 4,835 |
| Net loans and leases to core deposits | 72.0761% | 4,810 |
| Total domestic deposits to total assets | 88.0904% | 2,087 |
| Equity capital to assets | 10.1711% | 3,913 |
| Core capital (leverage) ratio | 8.8562% | 4,950 |
| Tier 1 risk-based capital ratio | 14.0186% | 4,160 |
| Total risk-based capital ratio | 15.1996% | 4,176 |
| Memoranda: |
| Average total assets | $188,375,330 | 3,248 |
| Average earning assets | $180,214,330 | 3,134 |
| Average equity | $18,752,330 | 3,294 |
| Average total loans | $116,057,670 | 3,317 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4909% | 5,368 |
| Cost of funding earning assets | 0.4865% | 7,020 |
| Net interest margin | 4.0043% | 2,667 |
| Noninterest income to average assets | 0.2973% | 5,534 |
| Noninterest expense to average assets | 1.6878% | 7,241 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.2547% | 240 |
| Return on assets (ROA) | 2.2547% | 256 |
| Pretax return on assets | 2.4301% | 272 |
| Return on Equity (ROE) | 22.9037% | 218 |
| Retained earnings to average equity (ytd only) | -17.9492% | 7,116 |
| Net charge-offs to loans | -0.0890% | 7,055 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5325% | 7,399 |
| Assets per employee ($millions) | 4.8422% | 2,362 |
| Cash dividends to net income (ytd only)* | 178.3681% | 244 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2795% | 5,233 |
| Loan loss allowance to noncurrent loans | 162.5282% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.5671% | 5,840 |
| Noncurrent loans to loans | 0.7873% | 5,461 |
| Net loans and leases to total assets | 58.8316% | 4,492 |
| Net loans and leases to deposits | 66.3918% | 4,914 |
| Net loans and leases to core deposits | 71.1938% | 4,904 |
| Total domestic deposits to total assets | 88.6128% | 2,011 |
| Equity capital to assets | 9.5269% | 4,393 |
| Core capital (leverage) ratio | 8.2766% | 5,852 |
| Tier 1 risk-based capital ratio | 13.7747% | 4,230 |
| Total risk-based capital ratio | 14.9697% | 4,233 |
| Memoranda: |
| Average total assets | $186,988,500 | 3,284 |
| Average earning assets | $178,407,000 | 3,181 |
| Average equity | $18,407,500 | 3,340 |
| Average total loans | $116,854,500 | 3,316 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0852% | 4,163 |
| Cost of funding earning assets | 0.5964% | 7,138 |
| Net interest margin | 4.4888% | 1,251 |
| Noninterest income to average assets | 0.3253% | 5,460 |
| Noninterest expense to average assets | 1.7988% | 7,267 |
| Loan and lease loss provision to assets | -0.2190% | 7,626 |
| Net operating income to assets | 2.9240% | 79 |
| Return on assets (ROA) | 2.9240% | 80 |
| Pretax return on assets | 3.0149% | 120 |
| Return on Equity (ROE) | 28.7734% | 50 |
| Retained earnings to average equity (ytd only) | 3.1144% | 3,681 |
| Net charge-offs to loans | -0.3023% | 7,570 |
| Credit loss provision to net charge-offs | 108.4011% | 4,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.8024% | 7,529 |
| Assets per employee ($millions) | 4.7470% | 2,493 |
| Cash dividends to net income (ytd only)* | 89.1760% | 596 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1670% | 5,655 |
| Loan loss allowance to noncurrent loans | 398.3099% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.2922% | 6,515 |
| Noncurrent loans to loans | 0.2930% | 6,471 |
| Net loans and leases to total assets | 64.6859% | 3,729 |
| Net loans and leases to deposits | 73.1820% | 4,334 |
| Net loans and leases to core deposits | 77.9102% | 4,469 |
| Total domestic deposits to total assets | 88.3905% | 2,020 |
| Equity capital to assets | 10.1678% | 3,533 |
| Core capital (leverage) ratio | 8.6974% | 5,026 |
| Tier 1 risk-based capital ratio | 14.8547% | 3,335 |
| Total risk-based capital ratio | 16.0842% | 3,308 |
| Memoranda: |
| Average total assets | $182,624,200 | 3,337 |
| Average earning assets | $173,700,600 | 3,212 |
| Average equity | $18,558,800 | 3,340 |
| Average total loans | $122,061,400 | 3,278 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1257% | 4,191 |
| Cost of funding earning assets | 0.6322% | 7,216 |
| Net interest margin | 4.4935% | 1,270 |
| Noninterest income to average assets | 0.3311% | 5,513 |
| Noninterest expense to average assets | 1.7751% | 7,356 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 2.7414% | 105 |
| Return on assets (ROA) | 2.7414% | 109 |
| Pretax return on assets | 2.8307% | 148 |
| Return on Equity (ROE) | 26.9796% | 78 |
| Retained earnings to average equity (ytd only) | -7.3469% | 6,733 |
| Net charge-offs to loans | -0.3882% | 7,671 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.1878% | 7,625 |
| Assets per employee ($millions) | 4.8739% | 2,364 |
| Cash dividends to net income (ytd only)* | 127.2314% | 188 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4266% | 4,326 |
| Loan loss allowance to noncurrent loans | 537.6119% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.2813% | 6,675 |
| Noncurrent loans to loans | 0.2654% | 6,654 |
| Net loans and leases to total assets | 67.1926% | 3,411 |
| Net loans and leases to deposits | 75.4648% | 4,270 |
| Net loans and leases to core deposits | 82.2055% | 4,220 |
| Total domestic deposits to total assets | 89.0383% | 1,373 |
| Equity capital to assets | 9.6119% | 4,670 |
| Core capital (leverage) ratio | 7.9591% | 6,405 |
| Tier 1 risk-based capital ratio | 12.2489% | 5,220 |
| Total risk-based capital ratio | 13.4931% | 5,193 |
| Memoranda: |
| Average total assets | $181,997,000 | 3,397 |
| Average earning assets | $173,135,000 | 3,265 |
| Average equity | $18,492,500 | 3,397 |
| Average total loans | $122,284,500 | 3,321 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1533% | 4,175 |
| Cost of funding earning assets | 0.6724% | 7,250 |
| Net interest margin | 4.4810% | 1,246 |
| Noninterest income to average assets | 0.3239% | 5,563 |
| Noninterest expense to average assets | 1.6570% | 7,531 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.8354% | 96 |
| Return on assets (ROA) | 2.8354% | 98 |
| Pretax return on assets | 2.9249% | 137 |
| Return on Equity (ROE) | 27.3999% | 82 |
| Retained earnings to average equity (ytd only) | 10.9066% | 677 |
| Net charge-offs to loans | -0.5853% | 7,742 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.7889% | 7,711 |
| Assets per employee ($millions) | 4.8202% | 2,421 |
| Cash dividends to net income (ytd only)* | 60.1949% | 1,309 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4435% | 4,213 |
| Loan loss allowance to noncurrent loans | 400.6682% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.2981% | 6,665 |
| Noncurrent loans to loans | 0.3603% | 6,511 |
| Net loans and leases to total assets | 67.0577% | 3,609 |
| Net loans and leases to deposits | 77.6367% | 4,058 |
| Net loans and leases to core deposits | 90.0413% | 3,254 |
| Total domestic deposits to total assets | 86.3738% | 2,883 |
| Equity capital to assets | 10.7524% | 3,124 |
| Core capital (leverage) ratio | 9.1566% | 4,367 |
| Tier 1 risk-based capital ratio | 14.2444% | 3,577 |
| Total risk-based capital ratio | 15.4872% | 3,552 |
| Memoranda: |
| Average total assets | $180,926,670 | 3,434 |
| Average earning assets | $171,927,670 | 3,306 |
| Average equity | $18,722,670 | 3,349 |
| Average total loans | $120,963,670 | 3,389 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8643% | 5,623 |
| Cost of funding earning assets | 0.6540% | 7,424 |
| Net interest margin | 4.2102% | 2,000 |
| Noninterest income to average assets | 0.3159% | 5,623 |
| Noninterest expense to average assets | 1.6907% | 7,584 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.5605% | 139 |
| Return on assets (ROA) | 2.5605% | 152 |
| Pretax return on assets | 2.6206% | 204 |
| Return on Equity (ROE) | 25.2461% | 154 |
| Retained earnings to average equity (ytd only) | -8.6201% | 6,874 |
| Net charge-offs to loans | -0.0705% | 7,444 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.7709% | 7,772 |
| Assets per employee ($millions) | 4.8072% | 2,503 |
| Cash dividends to net income (ytd only)* | 134.1442% | 362 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2332% | 5,314 |
| Loan loss allowance to noncurrent loans | 170.6636% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.5239% | 6,189 |
| Noncurrent loans to loans | 0.7226% | 5,879 |
| Net loans and leases to total assets | 64.2759% | 4,270 |
| Net loans and leases to deposits | 72.4858% | 4,987 |
| Net loans and leases to core deposits | 80.0952% | 4,754 |
| Total domestic deposits to total assets | 88.6737% | 1,693 |
| Equity capital to assets | 9.9358% | 3,943 |
| Core capital (leverage) ratio | 8.5802% | 5,237 |
| Tier 1 risk-based capital ratio | 13.2456% | 4,172 |
| Total risk-based capital ratio | 14.4955% | 4,116 |
| Memoranda: |
| Average total assets | $179,805,500 | 3,503 |
| Average earning assets | $170,632,500 | 3,395 |
| Average equity | $18,236,500 | 3,445 |
| Average total loans | $119,131,500 | 3,474 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2092% | 5,611 |
| Cost of funding earning assets | 0.8232% | 7,524 |
| Net interest margin | 4.3860% | 1,473 |
| Noninterest income to average assets | 0.3486% | 5,600 |
| Noninterest expense to average assets | 1.7769% | 7,634 |
| Loan and lease loss provision to assets | 0.2336% | 5,507 |
| Net operating income to assets | 2.4256% | 98 |
| Return on assets (ROA) | 2.4256% | 110 |
| Pretax return on assets | 2.4916% | 159 |
| Return on Equity (ROE) | 24.0594% | 106 |
| Retained earnings to average equity (ytd only) | 5.1779% | 1,727 |
| Net charge-offs to loans | -0.0307% | 7,816 |
| Credit loss provision to net charge-offs | -1,111.1111% | 7,451 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.9896% | 7,887 |
| Assets per employee ($millions) | 4.6563% | 2,677 |
| Cash dividends to net income (ytd only)* | 78.4786% | 1,234 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2112% | 5,288 |
| Loan loss allowance to noncurrent loans | 259.6050% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.3707% | 6,524 |
| Noncurrent loans to loans | 0.4666% | 6,328 |
| Net loans and leases to total assets | 66.6540% | 4,000 |
| Net loans and leases to deposits | 75.5658% | 4,814 |
| Net loans and leases to core deposits | 91.4616% | 4,955 |
| Total domestic deposits to total assets | 88.2067% | 1,880 |
| Equity capital to assets | 10.3555% | 3,337 |
| Core capital (leverage) ratio | 9.2284% | 4,079 |
| Tier 1 risk-based capital ratio | 13.6986% | 3,685 |
| Total risk-based capital ratio | 14.9566% | 3,620 |
| Memoranda: |
| Average total assets | $171,253,400 | 3,589 |
| Average earning assets | $162,173,400 | 3,480 |
| Average equity | $17,265,600 | 3,622 |
| Average total loans | $117,391,800 | 3,540 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2773% | 5,537 |
| Cost of funding earning assets | 0.8902% | 7,579 |
| Net interest margin | 4.3871% | 1,472 |
| Noninterest income to average assets | 0.3588% | 5,624 |
| Noninterest expense to average assets | 1.8041% | 7,657 |
| Loan and lease loss provision to assets | 0.3140% | 4,462 |
| Net operating income to assets | 2.3379% | 144 |
| Return on assets (ROA) | 2.3379% | 156 |
| Pretax return on assets | 2.4000% | 230 |
| Return on Equity (ROE) | 23.3546% | 156 |
| Retained earnings to average equity (ytd only) | -2.2115% | 5,760 |
| Net charge-offs to loans | -0.0445% | 7,846 |
| Credit loss provision to net charge-offs | -1,025.6410% | 7,327 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.4535% | 7,949 |
| Assets per employee ($millions) | 4.4584% | 2,929 |
| Cash dividends to net income (ytd only)* | 109.4694% | 474 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1938% | 5,152 |
| Loan loss allowance to noncurrent loans | 254.4815% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.3955% | 6,465 |
| Noncurrent loans to loans | 0.4691% | 6,382 |
| Net loans and leases to total assets | 70.7410% | 3,327 |
| Net loans and leases to deposits | 81.7361% | 4,078 |
| Net loans and leases to core deposits | 99.7752% | 4,398 |
| Total domestic deposits to total assets | 86.5481% | 2,406 |
| Equity capital to assets | 10.1967% | 3,852 |
| Core capital (leverage) ratio | 8.5222% | 5,454 |
| Tier 1 risk-based capital ratio | 12.7662% | 4,338 |
| Total risk-based capital ratio | 13.9920% | 4,307 |
| Memoranda: |
| Average total assets | $169,832,000 | 3,628 |
| Average earning assets | $161,013,750 | 3,530 |
| Average equity | $17,001,250 | 3,702 |
| Average total loans | $116,894,000 | 3,572 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2614% | 5,821 |
| Cost of funding earning assets | 0.9414% | 7,638 |
| Net interest margin | 4.3200% | 1,597 |
| Noninterest income to average assets | 0.3365% | 5,818 |
| Noninterest expense to average assets | 1.6756% | 7,858 |
| Loan and lease loss provision to assets | 0.1177% | 5,956 |
| Net operating income to assets | 2.5757% | 96 |
| Return on assets (ROA) | 2.5757% | 106 |
| Pretax return on assets | 2.6311% | 167 |
| Return on Equity (ROE) | 25.8900% | 121 |
| Retained earnings to average equity (ytd only) | 7.9598% | 1,224 |
| Net charge-offs to loans | -0.0641% | 7,883 |
| Credit loss provision to net charge-offs | -270.2703% | 7,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.3564% | 8,067 |
| Assets per employee ($millions) | 4.5439% | 2,705 |
| Cash dividends to net income (ytd only)* | 69.2554% | 1,388 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9518% | 6,544 |
| Loan loss allowance to noncurrent loans | 209.1241% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.3764% | 6,516 |
| Noncurrent loans to loans | 0.4551% | 6,384 |
| Net loans and leases to total assets | 69.0670% | 3,929 |
| Net loans and leases to deposits | 80.5993% | 4,459 |
| Net loans and leases to core deposits | 96.5363% | 4,840 |
| Total domestic deposits to total assets | 85.6918% | 2,925 |
| Equity capital to assets | 10.1459% | 3,774 |
| Core capital (leverage) ratio | 9.0484% | 4,555 |
| Tier 1 risk-based capital ratio | 13.0388% | 4,123 |
| Total risk-based capital ratio | 14.0077% | 4,231 |
| Memoranda: |
| Average total assets | $169,970,000 | 3,641 |
| Average earning assets | $160,832,000 | 3,547 |
| Average equity | $16,910,000 | 3,732 |
| Average total loans | $115,426,670 | 3,638 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2136% | 6,239 |
| Cost of funding earning assets | 1.0457% | 7,601 |
| Net interest margin | 4.1679% | 2,020 |
| Noninterest income to average assets | 0.3440% | 5,701 |
| Noninterest expense to average assets | 1.5419% | 7,953 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.6877% | 93 |
| Return on assets (ROA) | 2.6877% | 119 |
| Pretax return on assets | 2.7351% | 166 |
| Return on Equity (ROE) | 27.2922% | 137 |
| Retained earnings to average equity (ytd only) | -9.2259% | 7,034 |
| Net charge-offs to loans | -0.0496% | 7,694 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.4981% | 8,119 |
| Assets per employee ($millions) | 4.4296% | 2,831 |
| Cash dividends to net income (ytd only)* | 133.8041% | 522 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8994% | 6,755 |
| Loan loss allowance to noncurrent loans | 174.5734% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.3980% | 6,306 |
| Noncurrent loans to loans | 0.5152% | 6,140 |
| Net loans and leases to total assets | 66.9675% | 4,351 |
| Net loans and leases to deposits | 75.5785% | 5,279 |
| Net loans and leases to core deposits | 86.3870% | 5,872 |
| Total domestic deposits to total assets | 88.6066% | 1,419 |
| Equity capital to assets | 9.8239% | 4,215 |
| Core capital (leverage) ratio | 8.6123% | 5,313 |
| Tier 1 risk-based capital ratio | 13.1608% | 4,078 |
| Total risk-based capital ratio | 14.0998% | 4,210 |
| Memoranda: |
| Average total assets | $168,620,000 | 3,672 |
| Average earning assets | $159,122,500 | 3,590 |
| Average equity | $16,605,500 | 3,806 |
| Average total loans | $112,938,000 | 3,723 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5286% | 2,817 |
| Cost of funding earning assets | 1.8162% | 6,962 |
| Net interest margin | 4.7124% | 949 |
| Noninterest income to average assets | 0.3603% | 5,839 |
| Noninterest expense to average assets | 1.8313% | 7,715 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 2.8219% | 80 |
| Return on assets (ROA) | 2.8219% | 79 |
| Pretax return on assets | 2.9482% | 101 |
| Return on Equity (ROE) | 27.6457% | 86 |
| Retained earnings to average equity (ytd only) | -2.8750% | 6,075 |
| Net charge-offs to loans | 0.4268% | 2,684 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 10.3522% | 2,525 |
| Efficiency ratio | 36.8394% | 8,180 |
| Assets per employee ($millions) | 4.4451% | 2,705 |
| Cash dividends to net income (ytd only)* | 110.3993% | 799 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8998% | 6,681 |
| Loan loss allowance to noncurrent loans | 255.4430% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.2836% | 6,451 |
| Noncurrent loans to loans | 0.3523% | 6,314 |
| Net loans and leases to total assets | 65.7852% | 4,896 |
| Net loans and leases to deposits | 74.8552% | 5,754 |
| Net loans and leases to core deposits | 84.0947% | 6,285 |
| Total domestic deposits to total assets | 87.8833% | 1,523 |
| Equity capital to assets | 9.8718% | 4,193 |
| Core capital (leverage) ratio | 9.1195% | 4,564 |
| Tier 1 risk-based capital ratio | 13.6231% | 3,744 |
| Total risk-based capital ratio | 14.5586% | 3,834 |
| Memoranda: |
| Average total assets | $161,525,000 | 3,696 |
| Average earning assets | $151,472,600 | 3,626 |
| Average equity | $16,487,200 | 3,827 |
| Average total loans | $107,772,600 | 3,744 |
