| 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 | 5.4601% | 1,224 |
| Cost of funding earning assets | 1.3480% | 2,367 |
| Net interest margin | 4.1120% | 1,054 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 2.6853% | 1,773 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.9651% | 2,321 |
| Return on assets (ROA) | 0.9624% | 2,318 |
| Pretax return on assets | 1.3364% | 1,773 |
| Return on Equity (ROE) | 13.3900% | 1,635 |
| Retained earnings to average equity (ytd only) | 8.8109% | 1,303 |
| Net charge-offs to loans | -0.0350% | 4,294 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 66.4902% | 2,291 |
| Assets per employee ($millions) | 6.3439% | 2,520 |
| Cash dividends to net income (ytd only)* | 34.2031% | 2,381 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1241% | 2,698 |
| Loan loss allowance to noncurrent loans | 232.2243% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 0.3528% | 1,553 |
| Noncurrent loans to loans | 0.4841% | 1,573 |
| Net loans and leases to total assets | 72.0700% | 1,573 |
| Net loans and leases to deposits | 82.7563% | 1,894 |
| Net loans and leases to core deposits | 93.0688% | 1,837 |
| Total domestic deposits to total assets | 87.0800% | 1,654 |
| Equity capital to assets | 7.8165% | 3,530 |
| Core capital (leverage) ratio | 10.0046% | 2,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6546% | 2,356 |
| Memoranda: |
| Average total assets | $294,678,800 | 2,448 |
| Average earning assets | $272,103,600 | 2,453 |
| Average equity | $21,178,400 | 2,761 |
| Average total loans | $208,643,600 | 2,234 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3644% | 1,191 |
| Cost of funding earning assets | 1.2398% | 2,303 |
| Net interest margin | 4.1246% | 1,024 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 2.7110% | 1,627 |
| Loan and lease loss provision to assets | -0.0400% | 4,449 |
| Net operating income to assets | 1.0015% | 2,363 |
| Return on assets (ROA) | 0.9979% | 2,358 |
| Pretax return on assets | 1.3659% | 1,853 |
| Return on Equity (ROE) | 14.2000% | 1,606 |
| Retained earnings to average equity (ytd only) | 8.7438% | 1,756 |
| Net charge-offs to loans | -0.0536% | 4,381 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.0708% | 2,134 |
| Assets per employee ($millions) | 6.0366% | 2,723 |
| Cash dividends to net income (ytd only)* | 38.4266% | 1,714 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1070% | 2,832 |
| Loan loss allowance to noncurrent loans | 103.7483% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 0.7734% | 719 |
| Noncurrent loans to loans | 1.0670% | 748 |
| Net loans and leases to total assets | 71.6800% | 1,617 |
| Net loans and leases to deposits | 81.2573% | 1,959 |
| Net loans and leases to core deposits | 88.1199% | 2,044 |
| Total domestic deposits to total assets | 88.2200% | 1,500 |
| Equity capital to assets | 6.8482% | 3,687 |
| Core capital (leverage) ratio | 9.7839% | 3,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9701% | 2,618 |
| Memoranda: |
| Average total assets | $293,807,250 | 2,454 |
| Average earning assets | $271,115,250 | 2,464 |
| Average equity | $20,646,500 | 2,792 |
| Average total loans | $206,473,750 | 2,244 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1763% | 1,242 |
| Cost of funding earning assets | 1.0733% | 2,372 |
| Net interest margin | 4.1031% | 1,082 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 2.7185% | 1,601 |
| Loan and lease loss provision to assets | -0.2000% | 4,610 |
| Net operating income to assets | 1.1451% | 1,982 |
| Return on assets (ROA) | 1.1397% | 2,002 |
| Pretax return on assets | 1.4955% | 1,610 |
| Return on Equity (ROE) | 16.0800% | 1,254 |
| Retained earnings to average equity (ytd only) | 9.2090% | 1,627 |
| Net charge-offs to loans | -0.0546% | 4,393 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.6902% | 2,016 |
| Assets per employee ($millions) | 5.6323% | 3,035 |
| Cash dividends to net income (ytd only)* | 42.7467% | 1,586 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0061% | 3,394 |
| Loan loss allowance to noncurrent loans | 187.7477% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 0.3718% | 1,433 |
| Noncurrent loans to loans | 0.5359% | 1,387 |
| Net loans and leases to total assets | 68.6900% | 1,884 |
| Net loans and leases to deposits | 77.7317% | 2,158 |
| Net loans and leases to core deposits | 85.9799% | 2,074 |
| Total domestic deposits to total assets | 88.3700% | 1,471 |
| Equity capital to assets | 7.1253% | 3,724 |
| Core capital (leverage) ratio | 9.6538% | 3,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2255% | 2,562 |
| Memoranda: |
| Average total assets | $295,158,000 | 2,458 |
| Average earning assets | $272,625,667 | 2,460 |
| Average equity | $20,914,333 | 2,782 |
| Average total loans | $205,286,667 | 2,252 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9392% | 1,350 |
| Cost of funding earning assets | 0.8114% | 2,693 |
| Net interest margin | 4.1279% | 1,059 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 2.5569% | 2,089 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0513% | 2,378 |
| Return on assets (ROA) | 1.0405% | 2,376 |
| Pretax return on assets | 1.4387% | 1,793 |
| Return on Equity (ROE) | 14.8300% | 1,586 |
| Retained earnings to average equity (ytd only) | 9.6589% | 1,780 |
| Net charge-offs to loans | -0.1096% | 4,525 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.7755% | 2,487 |
| Assets per employee ($millions) | 5.3611% | 3,356 |
| Cash dividends to net income (ytd only)* | 34.8624% | 1,595 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2448% | 2,315 |
| Loan loss allowance to noncurrent loans | 285.9708% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.2968% | 1,683 |
| Noncurrent loans to loans | 0.4353% | 1,630 |
| Net loans and leases to total assets | 67.3300% | 1,919 |
| Net loans and leases to deposits | 76.2745% | 2,091 |
| Net loans and leases to core deposits | 83.2839% | 2,037 |
| Total domestic deposits to total assets | 88.2800% | 1,826 |
| Equity capital to assets | 7.0255% | 3,815 |
| Core capital (leverage) ratio | 9.7211% | 2,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6864% | 2,505 |
| Memoranda: |
| Average total assets | $293,326,500 | 2,497 |
| Average earning assets | $270,164,000 | 2,504 |
| Average equity | $20,582,000 | 2,834 |
| Average total loans | $204,359,500 | 2,273 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2744% | 1,103 |
| Cost of funding earning assets | 0.2050% | 3,714 |
| Net interest margin | 4.0694% | 704 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 2.6012% | 1,823 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0252% | 2,478 |
| Return on assets (ROA) | 1.0252% | 2,422 |
| Pretax return on assets | 1.4234% | 1,702 |
| Return on Equity (ROE) | 13.5100% | 1,652 |
| Retained earnings to average equity (ytd only) | 10.2733% | 1,073 |
| Net charge-offs to loans | 0.0939% | 758 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 22.1467% | 1,845 |
| Efficiency ratio | 64.6329% | 2,415 |
| Assets per employee ($millions) | 5.4044% | 3,313 |
| Cash dividends to net income (ytd only)* | 23.9523% | 2,722 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9509% | 3,597 |
| Loan loss allowance to noncurrent loans | 177.6557% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.5209% | 975 |
| Noncurrent loans to loans | 0.5352% | 1,376 |
| Net loans and leases to total assets | 70.5500% | 1,578 |
| Net loans and leases to deposits | 80.4134% | 1,744 |
| Net loans and leases to core deposits | 84.9511% | 1,824 |
| Total domestic deposits to total assets | 87.7400% | 2,164 |
| Equity capital to assets | 7.0076% | 3,666 |
| Core capital (leverage) ratio | 9.8077% | 2,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1838% | 2,680 |
| Memoranda: |
| Average total assets | $286,289,200 | 2,522 |
| Average earning assets | $265,371,800 | 2,519 |
| Average equity | $21,726,200 | 2,790 |
| Average total loans | $196,005,200 | 2,265 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0781% | 1,105 |
| Cost of funding earning assets | 0.1541% | 3,809 |
| Net interest margin | 3.9240% | 757 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 2.6219% | 1,663 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8999% | 2,863 |
| Return on assets (ROA) | 0.8999% | 2,843 |
| Pretax return on assets | 1.2590% | 2,178 |
| Return on Equity (ROE) | 11.6300% | 2,159 |
| Retained earnings to average equity (ytd only) | 8.1239% | 1,956 |
| Net charge-offs to loans | 0.0543% | 941 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 34.2152% | 1,455 |
| Efficiency ratio | 67.5588% | 2,075 |
| Assets per employee ($millions) | 5.9392% | 2,821 |
| Cash dividends to net income (ytd only)* | 30.1760% | 2,017 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0389% | 3,305 |
| Loan loss allowance to noncurrent loans | 112.7965% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 0.7763% | 644 |
| Noncurrent loans to loans | 0.9210% | 849 |
| Net loans and leases to total assets | 68.3300% | 1,637 |
| Net loans and leases to deposits | 75.4953% | 1,921 |
| Net loans and leases to core deposits | 77.0343% | 2,107 |
| Total domestic deposits to total assets | 90.5100% | 1,435 |
| Equity capital to assets | 6.4571% | 3,765 |
| Core capital (leverage) ratio | 9.5477% | 3,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1279% | 2,781 |
| Memoranda: |
| Average total assets | $286,253,500 | 2,537 |
| Average earning assets | $265,574,250 | 2,535 |
| Average equity | $22,139,750 | 2,808 |
| Average total loans | $194,000,000 | 2,273 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9913% | 950 |
| Cost of funding earning assets | 0.1494% | 3,583 |
| Net interest margin | 3.8419% | 684 |
| Noninterest income to average assets | 0.2385% | 3,743 |
| Noninterest expense to average assets | 2.6160% | 1,590 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8708% | 2,696 |
| Return on assets (ROA) | 0.8708% | 2,670 |
| Pretax return on assets | 1.1916% | 2,106 |
| Return on Equity (ROE) | 10.5864% | 2,143 |
| Retained earnings to average equity (ytd only) | 10.5864% | 882 |
| Net charge-offs to loans | 0.0362% | 1,021 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 48.8286% | 1,170 |
| Efficiency ratio | 68.7054% | 2,140 |
| Assets per employee ($millions) | 5.8431% | 2,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0845% | 3,217 |
| Loan loss allowance to noncurrent loans | 86.1443% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 1.0072% | 460 |
| Noncurrent loans to loans | 1.2589% | 627 |
| Net loans and leases to total assets | 67.9350% | 1,484 |
| Net loans and leases to deposits | 75.8593% | 1,693 |
| Net loans and leases to core deposits | 76.7902% | 1,944 |
| Total domestic deposits to total assets | 89.5540% | 1,919 |
| Equity capital to assets | 7.3223% | 3,589 |
| Core capital (leverage) ratio | 9.3128% | 3,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1497% | 2,771 |
| Memoranda: |
| Average total assets | $286,848,333 | 2,550 |
| Average earning assets | $266,479,333 | 2,560 |
| Average equity | $23,596,333 | 2,771 |
| Average total loans | $193,255,667 | 2,278 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9322% | 875 |
| Cost of funding earning assets | 0.1458% | 3,555 |
| Net interest margin | 3.7864% | 648 |
| Noninterest income to average assets | 0.3462% | 3,025 |
| Noninterest expense to average assets | 2.6135% | 1,567 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9282% | 2,165 |
| Return on assets (ROA) | 0.9282% | 2,154 |
| Pretax return on assets | 1.2785% | 1,570 |
| Return on Equity (ROE) | 10.7140% | 1,719 |
| Retained earnings to average equity (ytd only) | 9.2812% | 1,192 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1510% | 2,611 |
| Assets per employee ($millions) | 7.4565% | 1,711 |
| Cash dividends to net income (ytd only)* | 13.3730% | 2,095 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1071% | 3,301 |
| Loan loss allowance to noncurrent loans | 98.1969% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 0.7438% | 755 |
| Noncurrent loans to loans | 1.1274% | 792 |
| Net loans and leases to total assets | 65.2438% | 1,492 |
| Net loans and leases to deposits | 73.1671% | 1,679 |
| Net loans and leases to core deposits | 74.2067% | 1,925 |
| Total domestic deposits to total assets | 89.1710% | 1,991 |
| Equity capital to assets | 8.1887% | 3,416 |
| Core capital (leverage) ratio | 9.0769% | 3,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0748% | 2,876 |
| Memoranda: |
| Average total assets | $290,037,000 | 2,549 |
| Average earning assets | $271,601,500 | 2,544 |
| Average equity | $25,126,000 | 2,764 |
| Average total loans | $193,570,000 | 2,275 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0422% | 1,262 |
| Cost of funding earning assets | 0.2525% | 2,893 |
| Net interest margin | 3.7897% | 1,033 |
| Noninterest income to average assets | 1.0920% | 865 |
| Noninterest expense to average assets | 2.9065% | 1,135 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2493% | 1,745 |
| Return on assets (ROA) | 1.2493% | 1,806 |
| Pretax return on assets | 1.7170% | 1,104 |
| Return on Equity (ROE) | 14.1291% | 1,145 |
| Retained earnings to average equity (ytd only) | 12.4187% | 482 |
| Net charge-offs to loans | 0.0522% | 1,281 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 47.8627% | 1,325 |
| Efficiency ratio | 62.8632% | 2,737 |
| Assets per employee ($millions) | 5.7854% | 2,972 |
| Cash dividends to net income (ytd only)* | 12.1059% | 3,294 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0876% | 3,406 |
| Loan loss allowance to noncurrent loans | 119.2588% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 0.6157% | 1,066 |
| Noncurrent loans to loans | 0.9120% | 1,111 |
| Net loans and leases to total assets | 66.7751% | 1,400 |
| Net loans and leases to deposits | 77.8938% | 1,407 |
| Net loans and leases to core deposits | 79.2065% | 1,661 |
| Total domestic deposits to total assets | 85.7258% | 3,010 |
| Equity capital to assets | 9.1399% | 3,469 |
| Core capital (leverage) ratio | 8.8083% | 3,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6625% | 2,957 |
| Memoranda: |
| Average total assets | $284,330,200 | 2,513 |
| Average earning assets | $264,957,800 | 2,523 |
| Average equity | $25,139,600 | 2,836 |
| Average total loans | $195,303,400 | 2,265 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1035% | 1,300 |
| Cost of funding earning assets | 0.2724% | 2,868 |
| Net interest margin | 3.8311% | 1,057 |
| Noninterest income to average assets | 1.2217% | 768 |
| Noninterest expense to average assets | 2.9238% | 1,091 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3550% | 1,671 |
| Return on assets (ROA) | 1.3550% | 1,728 |
| Pretax return on assets | 1.8618% | 1,018 |
| Return on Equity (ROE) | 15.4582% | 1,052 |
| Retained earnings to average equity (ytd only) | 13.6313% | 550 |
| Net charge-offs to loans | 0.0519% | 1,141 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 52.0132% | 1,222 |
| Efficiency ratio | 61.0963% | 2,821 |
| Assets per employee ($millions) | 5.0108% | 3,685 |
| Cash dividends to net income (ytd only)* | 11.8179% | 2,900 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0751% | 3,556 |
| Loan loss allowance to noncurrent loans | 53.2162% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 1.3908% | 378 |
| Noncurrent loans to loans | 2.0203% | 432 |
| Net loans and leases to total assets | 68.1003% | 1,311 |
| Net loans and leases to deposits | 80.8066% | 1,207 |
| Net loans and leases to core deposits | 82.3098% | 1,550 |
| Total domestic deposits to total assets | 84.2757% | 3,378 |
| Equity capital to assets | 8.8791% | 3,939 |
| Core capital (leverage) ratio | 8.7925% | 3,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1797% | 3,074 |
| Memoranda: |
| Average total assets | $283,095,000 | 2,543 |
| Average earning assets | $263,347,750 | 2,549 |
| Average equity | $24,814,750 | 2,901 |
| Average total loans | $195,308,000 | 2,301 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9768% | 1,625 |
| Cost of funding earning assets | 0.3028% | 2,751 |
| Net interest margin | 3.6741% | 1,410 |
| Noninterest income to average assets | 1.4990% | 544 |
| Noninterest expense to average assets | 3.0059% | 975 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4299% | 1,484 |
| Return on assets (ROA) | 1.4299% | 1,549 |
| Pretax return on assets | 1.9010% | 1,020 |
| Return on Equity (ROE) | 16.3858% | 882 |
| Retained earnings to average equity (ytd only) | 14.6704% | 475 |
| Net charge-offs to loans | -0.0465% | 4,340 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2580% | 2,838 |
| Assets per employee ($millions) | 4.8775% | 3,768 |
| Cash dividends to net income (ytd only)* | 10.4686% | 2,851 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1269% | 3,305 |
| Loan loss allowance to noncurrent loans | 52.5573% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 1.5540% | 353 |
| Noncurrent loans to loans | 2.1441% | 427 |
| Net loans and leases to total assets | 69.2415% | 1,290 |
| Net loans and leases to deposits | 84.1677% | 1,054 |
| Net loans and leases to core deposits | 85.7886% | 1,435 |
| Total domestic deposits to total assets | 82.2661% | 3,870 |
| Equity capital to assets | 8.8091% | 3,966 |
| Core capital (leverage) ratio | 8.7477% | 3,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4829% | 3,040 |
| Memoranda: |
| Average total assets | $280,584,333 | 2,552 |
| Average earning assets | $260,257,333 | 2,556 |
| Average equity | $24,484,667 | 2,908 |
| Average total loans | $193,721,000 | 2,319 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9097% | 1,810 |
| Cost of funding earning assets | 0.3604% | 2,440 |
| Net interest margin | 3.5494% | 1,698 |
| Noninterest income to average assets | 2.1777% | 325 |
| Noninterest expense to average assets | 2.9373% | 1,097 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.8889% | 681 |
| Return on assets (ROA) | 1.8889% | 729 |
| Pretax return on assets | 2.5546% | 394 |
| Return on Equity (ROE) | 21.7529% | 416 |
| Retained earnings to average equity (ytd only) | 20.1730% | 265 |
| Net charge-offs to loans | -0.0948% | 4,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4841% | 3,851 |
| Assets per employee ($millions) | 5.1436% | 3,495 |
| Cash dividends to net income (ytd only)* | 7.2630% | 2,301 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1782% | 3,046 |
| Loan loss allowance to noncurrent loans | 45.0615% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 1.7938% | 310 |
| Noncurrent loans to loans | 2.6148% | 344 |
| Net loans and leases to total assets | 66.1562% | 1,781 |
| Net loans and leases to deposits | 80.4340% | 1,485 |
| Net loans and leases to core deposits | 82.0239% | 1,835 |
| Total domestic deposits to total assets | 82.2491% | 3,841 |
| Equity capital to assets | 8.4807% | 4,132 |
| Core capital (leverage) ratio | 8.8234% | 3,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4685% | 3,013 |
| Memoranda: |
| Average total assets | $276,991,000 | 2,561 |
| Average earning assets | $258,635,500 | 2,553 |
| Average equity | $24,052,000 | 2,927 |
| Average total loans | $189,817,500 | 2,350 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5183% | 1,265 |
| Cost of funding earning assets | 0.7297% | 1,566 |
| Net interest margin | 3.7885% | 1,534 |
| Noninterest income to average assets | 0.6392% | 2,068 |
| Noninterest expense to average assets | 3.0308% | 1,373 |
| Loan and lease loss provision to assets | 0.0535% | 3,702 |
| Net operating income to assets | 0.7666% | 3,215 |
| Return on assets (ROA) | 0.7666% | 3,337 |
| Pretax return on assets | 1.0723% | 2,807 |
| Return on Equity (ROE) | 8.8439% | 2,457 |
| Retained earnings to average equity (ytd only) | 7.0564% | 1,378 |
| Net charge-offs to loans | -0.2232% | 4,907 |
| Credit loss provision to net charge-offs | -33.0144% | 3,679 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9171% | 1,583 |
| Assets per employee ($millions) | 4.7489% | 3,662 |
| Cash dividends to net income (ytd only)* | 20.2122% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1916% | 2,991 |
| Loan loss allowance to noncurrent loans | 92.3268% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 1.9125% | 307 |
| Noncurrent loans to loans | 1.2906% | 1,062 |
| Net loans and leases to total assets | 69.4064% | 1,629 |
| Net loans and leases to deposits | 82.3606% | 1,623 |
| Net loans and leases to core deposits | 84.9644% | 1,954 |
| Total domestic deposits to total assets | 84.2713% | 3,025 |
| Equity capital to assets | 8.9027% | 4,144 |
| Core capital (leverage) ratio | 8.4982% | 4,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2671% | 3,052 |
| Memoranda: |
| Average total assets | $258,146,800 | 2,524 |
| Average earning assets | $239,671,200 | 2,528 |
| Average equity | $22,377,000 | 2,979 |
| Average total loans | $187,286,600 | 2,351 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5583% | 1,431 |
| Cost of funding earning assets | 0.7865% | 1,558 |
| Net interest margin | 3.7718% | 1,703 |
| Noninterest income to average assets | 0.6162% | 2,114 |
| Noninterest expense to average assets | 3.0954% | 1,245 |
| Loan and lease loss provision to assets | 0.0718% | 3,423 |
| Net operating income to assets | 0.6734% | 3,553 |
| Return on assets (ROA) | 0.6734% | 3,664 |
| Pretax return on assets | 0.9503% | 3,235 |
| Return on Equity (ROE) | 7.8236% | 2,872 |
| Retained earnings to average equity (ytd only) | 5.9796% | 2,115 |
| Net charge-offs to loans | 0.0598% | 1,750 |
| Credit loss provision to net charge-offs | 164.2857% | 2,248 |
| Earnings coverage of net charge-offs (x) | 23.3810% | 1,799 |
| Efficiency ratio | 75.1769% | 1,282 |
| Assets per employee ($millions) | 4.5389% | 3,798 |
| Cash dividends to net income (ytd only)* | 23.5703% | 2,634 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8925% | 4,097 |
| Loan loss allowance to noncurrent loans | 92.2418% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 1.6549% | 488 |
| Noncurrent loans to loans | 0.9676% | 1,552 |
| Net loans and leases to total assets | 69.1415% | 2,089 |
| Net loans and leases to deposits | 86.3664% | 1,654 |
| Net loans and leases to core deposits | 89.8029% | 1,996 |
| Total domestic deposits to total assets | 80.0560% | 3,854 |
| Equity capital to assets | 8.2902% | 4,581 |
| Core capital (leverage) ratio | 8.4306% | 4,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2036% | 3,071 |
| Memoranda: |
| Average total assets | $256,198,250 | 2,523 |
| Average earning assets | $237,829,750 | 2,524 |
| Average equity | $22,052,250 | 2,998 |
| Average total loans | $187,406,750 | 2,355 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6747% | 1,461 |
| Cost of funding earning assets | 0.8933% | 1,407 |
| Net interest margin | 3.7813% | 1,886 |
| Noninterest income to average assets | 0.6410% | 1,974 |
| Noninterest expense to average assets | 3.1463% | 1,250 |
| Loan and lease loss provision to assets | 0.1107% | 2,906 |
| Net operating income to assets | 0.6057% | 3,720 |
| Return on assets (ROA) | 0.6057% | 3,798 |
| Pretax return on assets | 0.8849% | 3,353 |
| Return on Equity (ROE) | 6.9419% | 3,154 |
| Retained earnings to average equity (ytd only) | 4.9651% | 2,494 |
| Net charge-offs to loans | 0.0906% | 1,345 |
| Credit loss provision to net charge-offs | 164.2857% | 2,062 |
| Earnings coverage of net charge-offs (x) | 14.7738% | 1,933 |
| Efficiency ratio | 75.9636% | 1,270 |
| Assets per employee ($millions) | 5.0550% | 3,107 |
| Cash dividends to net income (ytd only)* | 28.4768% | 2,415 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8761% | 4,097 |
| Loan loss allowance to noncurrent loans | 62.1485% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 1.9746% | 367 |
| Noncurrent loans to loans | 1.4098% | 1,097 |
| Net loans and leases to total assets | 70.1536% | 2,006 |
| Net loans and leases to deposits | 86.9414% | 1,664 |
| Net loans and leases to core deposits | 91.2295% | 1,962 |
| Total domestic deposits to total assets | 80.6907% | 3,685 |
| Equity capital to assets | 8.0402% | 4,700 |
| Core capital (leverage) ratio | 8.4370% | 4,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2606% | 3,129 |
| Memoranda: |
| Average total assets | $249,307,667 | 2,544 |
| Average earning assets | $230,817,333 | 2,548 |
| Average equity | $21,752,000 | 3,007 |
| Average total loans | $185,490,333 | 2,354 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8755% | 1,256 |
| Cost of funding earning assets | 1.0384% | 1,266 |
| Net interest margin | 3.8371% | 1,856 |
| Noninterest income to average assets | 0.6572% | 1,813 |
| Noninterest expense to average assets | 3.3182% | 1,188 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6197% | 3,543 |
| Return on assets (ROA) | 0.6197% | 3,599 |
| Pretax return on assets | 0.8683% | 3,229 |
| Return on Equity (ROE) | 6.7876% | 3,030 |
| Retained earnings to average equity (ytd only) | 4.4007% | 2,538 |
| Net charge-offs to loans | -0.0022% | 3,673 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2599% | 1,213 |
| Assets per employee ($millions) | 4.2592% | 3,582 |
| Cash dividends to net income (ytd only)* | 35.1648% | 2,010 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9189% | 4,041 |
| Loan loss allowance to noncurrent loans | 61.0746% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 2.2359% | 335 |
| Noncurrent loans to loans | 1.5046% | 1,062 |
| Net loans and leases to total assets | 75.5370% | 1,381 |
| Net loans and leases to deposits | 89.2225% | 1,608 |
| Net loans and leases to core deposits | 95.1020% | 1,873 |
| Total domestic deposits to total assets | 84.6613% | 2,538 |
| Equity capital to assets | 9.0468% | 4,574 |
| Core capital (leverage) ratio | 9.0769% | 4,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2649% | 3,283 |
| Memoranda: |
| Average total assets | $234,948,000 | 2,598 |
| Average earning assets | $216,100,000 | 2,603 |
| Average equity | $21,451,000 | 3,032 |
| Average total loans | $179,850,500 | 2,362 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0259% | 1,412 |
| Cost of funding earning assets | 1.2165% | 991 |
| Net interest margin | 3.8094% | 2,472 |
| Noninterest income to average assets | 0.5050% | 2,707 |
| Noninterest expense to average assets | 3.2546% | 1,397 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.5212% | 4,358 |
| Return on assets (ROA) | 0.5212% | 4,406 |
| Pretax return on assets | 0.7220% | 4,157 |
| Return on Equity (ROE) | 5.9932% | 3,922 |
| Retained earnings to average equity (ytd only) | 4.8437% | 2,504 |
| Net charge-offs to loans | -0.0017% | 4,213 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8436% | 807 |
| Assets per employee ($millions) | 4.0593% | 3,835 |
| Cash dividends to net income (ytd only)* | 19.1803% | 3,498 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9395% | 3,785 |
| Loan loss allowance to noncurrent loans | 61.6833% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 2.2962% | 305 |
| Noncurrent loans to loans | 1.5231% | 944 |
| Net loans and leases to total assets | 76.1480% | 1,384 |
| Net loans and leases to deposits | 88.3217% | 1,798 |
| Net loans and leases to core deposits | 94.0870% | 2,054 |
| Total domestic deposits to total assets | 86.2167% | 1,973 |
| Equity capital to assets | 9.2160% | 4,558 |
| Core capital (leverage) ratio | 9.0487% | 4,490 |
| Tier 1 risk-based capital ratio | 10.5335% | 5,012 |
| Total risk-based capital ratio | 11.3712% | 5,058 |
| Memoranda: |
| Average total assets | $234,071,000 | 2,548 |
| Average earning assets | $213,316,800 | 2,577 |
| Average equity | $20,356,400 | 3,102 |
| Average total loans | $175,600,400 | 2,365 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9997% | 1,541 |
| Cost of funding earning assets | 1.2331% | 948 |
| Net interest margin | 3.7667% | 2,694 |
| Noninterest income to average assets | 0.4709% | 2,901 |
| Noninterest expense to average assets | 3.2193% | 1,424 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4856% | 4,554 |
| Return on assets (ROA) | 0.4856% | 4,598 |
| Pretax return on assets | 0.6782% | 4,391 |
| Return on Equity (ROE) | 5.6674% | 4,138 |
| Retained earnings to average equity (ytd only) | 4.1826% | 3,311 |
| Net charge-offs to loans | 0.0015% | 3,397 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 596.2397% | 165 |
| Efficiency ratio | 82.5998% | 715 |
| Assets per employee ($millions) | 4.0592% | 3,825 |
| Cash dividends to net income (ytd only)* | 26.1989% | 2,777 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9267% | 3,939 |
| Loan loss allowance to noncurrent loans | 86.6805% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 1.9254% | 474 |
| Noncurrent loans to loans | 1.0691% | 1,490 |
| Net loans and leases to total assets | 75.6545% | 1,538 |
| Net loans and leases to deposits | 87.9230% | 1,943 |
| Net loans and leases to core deposits | 93.8120% | 2,197 |
| Total domestic deposits to total assets | 86.0463% | 1,978 |
| Equity capital to assets | 8.9761% | 4,793 |
| Core capital (leverage) ratio | 8.7929% | 4,779 |
| Tier 1 risk-based capital ratio | 10.3371% | 5,126 |
| Total risk-based capital ratio | 11.1707% | 5,156 |
| Memoranda: |
| Average total assets | $234,743,500 | 2,573 |
| Average earning assets | $213,552,500 | 2,601 |
| Average equity | $20,114,500 | 3,147 |
| Average total loans | $175,034,750 | 2,395 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9769% | 1,543 |
| Cost of funding earning assets | 1.2344% | 901 |
| Net interest margin | 3.7426% | 2,784 |
| Noninterest income to average assets | 0.4613% | 2,906 |
| Noninterest expense to average assets | 3.1787% | 1,553 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4834% | 4,566 |
| Return on assets (ROA) | 0.4834% | 4,597 |
| Pretax return on assets | 0.6744% | 4,393 |
| Return on Equity (ROE) | 5.7345% | 4,139 |
| Retained earnings to average equity (ytd only) | 3.4690% | 3,505 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4961% | 766 |
| Assets per employee ($millions) | 4.1732% | 3,615 |
| Cash dividends to net income (ytd only)* | 39.5062% | 2,232 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9321% | 3,957 |
| Loan loss allowance to noncurrent loans | 88.9126% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 1.8888% | 518 |
| Noncurrent loans to loans | 1.0483% | 1,561 |
| Net loans and leases to total assets | 74.5299% | 1,797 |
| Net loans and leases to deposits | 86.2470% | 2,229 |
| Net loans and leases to core deposits | 94.8388% | 2,170 |
| Total domestic deposits to total assets | 86.4145% | 1,848 |
| Equity capital to assets | 8.7207% | 4,943 |
| Core capital (leverage) ratio | 8.6179% | 4,899 |
| Tier 1 risk-based capital ratio | 10.3221% | 5,164 |
| Total risk-based capital ratio | 11.1672% | 5,188 |
| Memoranda: |
| Average total assets | $234,564,670 | 2,582 |
| Average earning assets | $212,580,330 | 2,616 |
| Average equity | $19,775,000 | 3,165 |
| Average total loans | $173,451,670 | 2,422 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0965% | 1,100 |
| Cost of funding earning assets | 1.1958% | 916 |
| Net interest margin | 3.9007% | 2,185 |
| Noninterest income to average assets | 0.3246% | 3,689 |
| Noninterest expense to average assets | 3.1943% | 1,506 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4551% | 4,630 |
| Return on assets (ROA) | 0.4551% | 4,646 |
| Pretax return on assets | 0.6372% | 4,449 |
| Return on Equity (ROE) | 5.4949% | 4,190 |
| Retained earnings to average equity (ytd only) | 3.5251% | 3,501 |
| Net charge-offs to loans | -0.0117% | 4,285 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3707% | 759 |
| Assets per employee ($millions) | 4.5045% | 3,189 |
| Cash dividends to net income (ytd only)* | 35.8491% | 2,046 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9682% | 3,879 |
| Loan loss allowance to noncurrent loans | 79.2140% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 1.9647% | 509 |
| Noncurrent loans to loans | 1.2222% | 1,347 |
| Net loans and leases to total assets | 70.3508% | 2,431 |
| Net loans and leases to deposits | 80.8485% | 2,748 |
| Net loans and leases to core deposits | 90.6920% | 2,424 |
| Total domestic deposits to total assets | 87.0155% | 1,807 |
| Equity capital to assets | 7.9907% | 5,185 |
| Core capital (leverage) ratio | 8.5362% | 4,990 |
| Tier 1 risk-based capital ratio | 9.7756% | 5,311 |
| Total risk-based capital ratio | 10.6140% | 5,329 |
| Memoranda: |
| Average total assets | $232,911,500 | 2,617 |
| Average earning assets | $209,398,000 | 2,670 |
| Average equity | $19,290,500 | 3,224 |
| Average total loans | $170,701,000 | 2,468 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7777% | 1,601 |
| Cost of funding earning assets | 0.8725% | 1,202 |
| Net interest margin | 3.9052% | 2,310 |
| Noninterest income to average assets | 0.5544% | 2,525 |
| Noninterest expense to average assets | 3.3111% | 1,297 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5695% | 4,502 |
| Return on assets (ROA) | 0.5695% | 4,507 |
| Pretax return on assets | 0.7972% | 4,175 |
| Return on Equity (ROE) | 6.6413% | 3,953 |
| Retained earnings to average equity (ytd only) | 3.6807% | 3,554 |
| Net charge-offs to loans | 0.0304% | 2,792 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 35.5714% | 1,431 |
| Efficiency ratio | 80.5945% | 907 |
| Assets per employee ($millions) | 3.9746% | 3,927 |
| Cash dividends to net income (ytd only)* | 44.5783% | 2,270 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9893% | 3,767 |
| Loan loss allowance to noncurrent loans | 75.9909% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 2.1871% | 404 |
| Noncurrent loans to loans | 1.3019% | 1,212 |
| Net loans and leases to total assets | 75.0012% | 1,773 |
| Net loans and leases to deposits | 88.3779% | 2,002 |
| Net loans and leases to core deposits | 100.4652% | 1,683 |
| Total domestic deposits to total assets | 84.8643% | 2,701 |
| Equity capital to assets | 8.6010% | 4,868 |
| Core capital (leverage) ratio | 8.6764% | 4,897 |
| Tier 1 risk-based capital ratio | 9.9646% | 5,314 |
| Total risk-based capital ratio | 10.8237% | 5,341 |
| Memoranda: |
| Average total assets | $218,627,400 | 2,701 |
| Average earning assets | $198,966,000 | 2,730 |
| Average equity | $18,746,400 | 3,207 |
| Average total loans | $161,191,200 | 2,511 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7280% | 1,598 |
| Cost of funding earning assets | 0.8143% | 1,268 |
| Net interest margin | 3.9137% | 2,243 |
| Noninterest income to average assets | 0.5011% | 2,859 |
| Noninterest expense to average assets | 3.2769% | 1,353 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5661% | 4,597 |
| Return on assets (ROA) | 0.5661% | 4,603 |
| Pretax return on assets | 0.7927% | 4,315 |
| Return on Equity (ROE) | 6.6068% | 4,075 |
| Retained earnings to average equity (ytd only) | 3.3034% | 4,099 |
| Net charge-offs to loans | 0.0293% | 2,509 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 36.9679% | 1,415 |
| Efficiency ratio | 80.5208% | 900 |
| Assets per employee ($millions) | 3.8628% | 4,089 |
| Cash dividends to net income (ytd only)* | 49.9996% | 1,591 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0270% | 3,609 |
| Loan loss allowance to noncurrent loans | 120.5587% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 1.9236% | 570 |
| Noncurrent loans to loans | 0.8518% | 1,998 |
| Net loans and leases to total assets | 74.9827% | 1,812 |
| Net loans and leases to deposits | 88.7152% | 2,064 |
| Net loans and leases to core deposits | 96.2457% | 2,091 |
| Total domestic deposits to total assets | 84.5207% | 2,784 |
| Equity capital to assets | 8.5908% | 4,869 |
| Core capital (leverage) ratio | 8.8812% | 4,818 |
| Tier 1 risk-based capital ratio | 10.0366% | 5,375 |
| Total risk-based capital ratio | 10.9200% | 5,398 |
| Memoranda: |
| Average total assets | $217,639,500 | 2,728 |
| Average earning assets | $198,443,000 | 2,749 |
| Average equity | $18,647,000 | 3,242 |
| Average total loans | $159,337,750 | 2,539 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6239% | 1,713 |
| Cost of funding earning assets | 0.7905% | 1,172 |
| Net interest margin | 3.8335% | 2,438 |
| Noninterest income to average assets | 0.4824% | 2,961 |
| Noninterest expense to average assets | 3.1704% | 1,608 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5741% | 4,584 |
| Return on assets (ROA) | 0.5741% | 4,577 |
| Pretax return on assets | 0.8034% | 4,233 |
| Return on Equity (ROE) | 6.7065% | 3,991 |
| Retained earnings to average equity (ytd only) | 2.7748% | 4,143 |
| Net charge-offs to loans | 0.0013% | 3,171 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 876.0000% | 91 |
| Efficiency ratio | 79.7831% | 1,035 |
| Assets per employee ($millions) | 3.6853% | 4,367 |
| Cash dividends to net income (ytd only)* | 58.6262% | 1,373 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0917% | 3,311 |
| Loan loss allowance to noncurrent loans | 86.3613% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 2.1340% | 480 |
| Noncurrent loans to loans | 1.2641% | 1,355 |
| Net loans and leases to total assets | 71.5028% | 2,361 |
| Net loans and leases to deposits | 83.8977% | 2,548 |
| Net loans and leases to core deposits | 91.1607% | 2,472 |
| Total domestic deposits to total assets | 85.2262% | 2,589 |
| Equity capital to assets | 8.5411% | 4,915 |
| Core capital (leverage) ratio | 8.7336% | 4,940 |
| Tier 1 risk-based capital ratio | 10.1376% | 5,392 |
| Total risk-based capital ratio | 11.0571% | 5,420 |
| Memoranda: |
| Average total assets | $218,081,330 | 2,743 |
| Average earning assets | $198,619,670 | 2,766 |
| Average equity | $18,668,330 | 3,256 |
| Average total loans | $157,823,330 | 2,573 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5816% | 1,622 |
| Cost of funding earning assets | 0.7733% | 1,087 |
| Net interest margin | 3.8083% | 2,394 |
| Noninterest income to average assets | 0.3993% | 3,474 |
| Noninterest expense to average assets | 3.0585% | 1,923 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5732% | 4,502 |
| Return on assets (ROA) | 0.5732% | 4,509 |
| Pretax return on assets | 0.8040% | 4,136 |
| Return on Equity (ROE) | 6.6891% | 3,912 |
| Retained earnings to average equity (ytd only) | 4.7657% | 3,272 |
| Net charge-offs to loans | 0.0051% | 2,552 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 219.5000% | 307 |
| Efficiency ratio | 79.1844% | 1,235 |
| Assets per employee ($millions) | 3.9420% | 4,074 |
| Cash dividends to net income (ytd only)* | 28.7540% | 2,188 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0743% | 3,527 |
| Loan loss allowance to noncurrent loans | 77.8030% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 2.1256% | 509 |
| Noncurrent loans to loans | 1.3807% | 1,294 |
| Net loans and leases to total assets | 69.0342% | 2,622 |
| Net loans and leases to deposits | 82.0636% | 2,584 |
| Net loans and leases to core deposits | 87.6804% | 2,659 |
| Total domestic deposits to total assets | 84.1228% | 3,274 |
| Equity capital to assets | 8.1566% | 5,202 |
| Core capital (leverage) ratio | 8.5718% | 5,090 |
| Tier 1 risk-based capital ratio | 10.0408% | 5,495 |
| Total risk-based capital ratio | 10.9550% | 5,519 |
| Memoranda: |
| Average total assets | $218,406,000 | 2,772 |
| Average earning assets | $198,619,000 | 2,802 |
| Average equity | $18,717,000 | 3,283 |
| Average total loans | $158,142,000 | 2,591 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4368% | 1,923 |
| Cost of funding earning assets | 0.6867% | 1,097 |
| Net interest margin | 3.7501% | 2,605 |
| Noninterest income to average assets | 0.5225% | 2,864 |
| Noninterest expense to average assets | 3.2216% | 1,559 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3985% | 4,694 |
| Return on assets (ROA) | 0.3985% | 4,713 |
| Pretax return on assets | 0.7276% | 4,442 |
| Return on Equity (ROE) | 4.3928% | 4,381 |
| Retained earnings to average equity (ytd only) | 2.5355% | 3,811 |
| Net charge-offs to loans | 0.0571% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 17.5294% | 2,118 |
| Efficiency ratio | 81.5754% | 959 |
| Assets per employee ($millions) | 3.7850% | 4,304 |
| Cash dividends to net income (ytd only)* | 42.2794% | 2,737 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0955% | 3,381 |
| Loan loss allowance to noncurrent loans | 41.6545% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 2.0487% | 543 |
| Noncurrent loans to loans | 2.6300% | 491 |
| Net loans and leases to total assets | 74.4639% | 1,843 |
| Net loans and leases to deposits | 89.2862% | 1,859 |
| Net loans and leases to core deposits | 96.8342% | 1,955 |
| Total domestic deposits to total assets | 83.3991% | 3,424 |
| Equity capital to assets | 9.0236% | 4,692 |
| Core capital (leverage) ratio | 8.7124% | 4,941 |
| Tier 1 risk-based capital ratio | 10.3853% | 5,410 |
| Total risk-based capital ratio | 11.3498% | 5,446 |
| Memoranda: |
| Average total assets | $204,777,000 | 2,873 |
| Average earning assets | $187,116,600 | 2,895 |
| Average equity | $18,576,000 | 3,288 |
| Average total loans | $148,878,400 | 2,665 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3933% | 1,981 |
| Cost of funding earning assets | 0.6638% | 1,156 |
| Net interest margin | 3.7295% | 2,660 |
| Noninterest income to average assets | 0.5342% | 2,810 |
| Noninterest expense to average assets | 3.2756% | 1,398 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4086% | 4,981 |
| Return on assets (ROA) | 0.4086% | 5,014 |
| Pretax return on assets | 0.6675% | 4,687 |
| Return on Equity (ROE) | 4.4986% | 4,713 |
| Retained earnings to average equity (ytd only) | 2.2169% | 4,532 |
| Net charge-offs to loans | -0.0073% | 4,546 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0708% | 832 |
| Assets per employee ($millions) | 3.7094% | 4,435 |
| Cash dividends to net income (ytd only)* | 50.7206% | 1,729 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1850% | 3,016 |
| Loan loss allowance to noncurrent loans | 42.4783% | 4,699 |
| Noncurrent assets plus other real estate owned to assets | 2.1335% | 588 |
| Noncurrent loans to loans | 2.7896% | 493 |
| Net loans and leases to total assets | 71.3860% | 2,344 |
| Net loans and leases to deposits | 87.6327% | 2,109 |
| Net loans and leases to core deposits | 95.6956% | 2,110 |
| Total domestic deposits to total assets | 81.4605% | 3,928 |
| Equity capital to assets | 8.8585% | 5,025 |
| Core capital (leverage) ratio | 8.9477% | 4,805 |
| Tier 1 risk-based capital ratio | 10.0568% | 5,586 |
| Total risk-based capital ratio | 11.0506% | 5,602 |
| Memoranda: |
| Average total assets | $203,927,250 | 2,907 |
| Average earning assets | $186,400,000 | 2,926 |
| Average equity | $18,523,750 | 3,326 |
| Average total loans | $146,914,750 | 2,703 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3679% | 1,917 |
| Cost of funding earning assets | 0.6494% | 1,146 |
| Net interest margin | 3.7185% | 2,590 |
| Noninterest income to average assets | 0.5064% | 2,981 |
| Noninterest expense to average assets | 3.3233% | 1,329 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3475% | 5,104 |
| Return on assets (ROA) | 0.3475% | 5,126 |
| Pretax return on assets | 0.5888% | 4,829 |
| Return on Equity (ROE) | 3.7930% | 4,880 |
| Retained earnings to average equity (ytd only) | 1.1271% | 4,787 |
| Net charge-offs to loans | -0.0069% | 4,423 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9492% | 768 |
| Assets per employee ($millions) | 3.4186% | 4,835 |
| Cash dividends to net income (ytd only)* | 70.2857% | 1,117 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2382% | 2,767 |
| Loan loss allowance to noncurrent loans | 41.0629% | 4,773 |
| Noncurrent assets plus other real estate owned to assets | 2.3114% | 505 |
| Noncurrent loans to loans | 3.0153% | 430 |
| Net loans and leases to total assets | 71.4988% | 2,283 |
| Net loans and leases to deposits | 88.6979% | 1,898 |
| Net loans and leases to core deposits | 95.2618% | 2,045 |
| Total domestic deposits to total assets | 80.6093% | 4,283 |
| Equity capital to assets | 9.2519% | 4,668 |
| Core capital (leverage) ratio | 8.6128% | 5,131 |
| Tier 1 risk-based capital ratio | 9.9722% | 5,634 |
| Total risk-based capital ratio | 11.0205% | 5,647 |
| Memoranda: |
| Average total assets | $201,424,670 | 2,957 |
| Average earning assets | $184,484,330 | 2,963 |
| Average equity | $18,455,000 | 3,339 |
| Average total loans | $144,971,330 | 2,733 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4261% | 1,569 |
| Cost of funding earning assets | 0.6572% | 1,041 |
| Net interest margin | 3.7689% | 2,228 |
| Noninterest income to average assets | 0.5246% | 2,801 |
| Noninterest expense to average assets | 3.2292% | 1,527 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4531% | 4,766 |
| Return on assets (ROA) | 0.4531% | 4,787 |
| Pretax return on assets | 0.7373% | 4,316 |
| Return on Equity (ROE) | 4.9695% | 4,407 |
| Retained earnings to average equity (ytd only) | 1.5039% | 4,499 |
| Net charge-offs to loans | -0.0111% | 4,472 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4128% | 1,216 |
| Assets per employee ($millions) | 3.5885% | 4,668 |
| Cash dividends to net income (ytd only)* | 69.7368% | 1,173 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2614% | 2,751 |
| Loan loss allowance to noncurrent loans | 86.0410% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 1.1572% | 1,528 |
| Noncurrent loans to loans | 1.4660% | 1,373 |
| Net loans and leases to total assets | 69.1147% | 2,514 |
| Net loans and leases to deposits | 87.2568% | 1,884 |
| Net loans and leases to core deposits | 93.6939% | 2,010 |
| Total domestic deposits to total assets | 79.2084% | 4,789 |
| Equity capital to assets | 9.0093% | 4,797 |
| Core capital (leverage) ratio | 8.9110% | 4,831 |
| Tier 1 risk-based capital ratio | 11.1369% | 5,236 |
| Total risk-based capital ratio | 12.2385% | 5,229 |
| Memoranda: |
| Average total assets | $201,287,000 | 2,985 |
| Average earning assets | $183,818,500 | 3,003 |
| Average equity | $18,352,000 | 3,364 |
| Average total loans | $144,446,500 | 2,759 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4714% | 1,627 |
| Cost of funding earning assets | 0.6141% | 1,244 |
| Net interest margin | 3.8573% | 2,108 |
| Noninterest income to average assets | 0.4622% | 3,467 |
| Noninterest expense to average assets | 3.2312% | 1,725 |
| Loan and lease loss provision to assets | 0.1920% | 1,217 |
| Net operating income to assets | 0.3706% | 5,031 |
| Return on assets (ROA) | 0.4663% | 4,826 |
| Pretax return on assets | 0.7487% | 4,350 |
| Return on Equity (ROE) | 4.9583% | 4,457 |
| Retained earnings to average equity (ytd only) | 1.0636% | 4,889 |
| Net charge-offs to loans | 0.0546% | 2,948 |
| Credit loss provision to net charge-offs | 487.1795% | 676 |
| Earnings coverage of net charge-offs (x) | 20.0769% | 1,874 |
| Efficiency ratio | 80.3316% | 1,380 |
| Assets per employee ($millions) | 3.5380% | 4,700 |
| Cash dividends to net income (ytd only)* | 78.5482% | 961 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2366% | 2,896 |
| Loan loss allowance to noncurrent loans | 98.4162% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 1.1286% | 1,642 |
| Noncurrent loans to loans | 1.2565% | 1,632 |
| Net loans and leases to total assets | 72.6378% | 2,074 |
| Net loans and leases to deposits | 91.5501% | 1,508 |
| Net loans and leases to core deposits | 97.2359% | 1,820 |
| Total domestic deposits to total assets | 79.3420% | 4,707 |
| Equity capital to assets | 9.2355% | 4,531 |
| Core capital (leverage) ratio | 8.4838% | 5,277 |
| Tier 1 risk-based capital ratio | 10.5615% | 5,544 |
| Total risk-based capital ratio | 11.6711% | 5,548 |
| Memoranda: |
| Average total assets | $197,947,800 | 2,976 |
| Average earning assets | $182,694,800 | 2,989 |
| Average equity | $18,615,200 | 3,326 |
| Average total loans | $142,882,800 | 2,740 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4484% | 1,706 |
| Cost of funding earning assets | 0.6022% | 1,306 |
| Net interest margin | 3.8462% | 2,172 |
| Noninterest income to average assets | 0.4244% | 3,735 |
| Noninterest expense to average assets | 3.2197% | 1,729 |
| Loan and lease loss provision to assets | 0.2021% | 1,044 |
| Net operating income to assets | 0.3372% | 5,193 |
| Return on assets (ROA) | 0.4649% | 4,897 |
| Pretax return on assets | 0.7566% | 4,452 |
| Return on Equity (ROE) | 4.9211% | 4,548 |
| Retained earnings to average equity (ytd only) | 0.8559% | 5,125 |
| Net charge-offs to loans | 0.0900% | 2,066 |
| Credit loss provision to net charge-offs | 312.5000% | 1,001 |
| Earnings coverage of net charge-offs (x) | 11.7393% | 2,456 |
| Efficiency ratio | 80.9177% | 1,311 |
| Assets per employee ($millions) | 3.7293% | 4,422 |
| Cash dividends to net income (ytd only)* | 82.6083% | 670 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1658% | 3,448 |
| Loan loss allowance to noncurrent loans | 112.1132% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 0.9531% | 2,175 |
| Noncurrent loans to loans | 1.0398% | 2,161 |
| Net loans and leases to total assets | 70.3897% | 2,436 |
| Net loans and leases to deposits | 90.7307% | 1,667 |
| Net loans and leases to core deposits | 94.4999% | 2,149 |
| Total domestic deposits to total assets | 77.5809% | 4,987 |
| Equity capital to assets | 9.2033% | 4,969 |
| Core capital (leverage) ratio | 8.3484% | 5,470 |
| Tier 1 risk-based capital ratio | 9.6936% | 5,854 |
| Total risk-based capital ratio | 10.6737% | 5,877 |
| Memoranda: |
| Average total assets | $197,903,000 | 2,991 |
| Average earning assets | $182,894,000 | 2,994 |
| Average equity | $18,694,500 | 3,343 |
| Average total loans | $142,174,250 | 2,753 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5003% | 1,509 |
| Cost of funding earning assets | 0.6052% | 1,276 |
| Net interest margin | 3.8951% | 1,993 |
| Noninterest income to average assets | 0.3570% | 4,215 |
| Noninterest expense to average assets | 3.0956% | 2,075 |
| Loan and lease loss provision to assets | 0.1995% | 1,080 |
| Net operating income to assets | 0.4097% | 5,009 |
| Return on assets (ROA) | 0.4870% | 4,832 |
| Pretax return on assets | 0.7908% | 4,316 |
| Return on Equity (ROE) | 5.1090% | 4,465 |
| Retained earnings to average equity (ytd only) | -0.2683% | 5,334 |
| Net charge-offs to loans | 0.0809% | 2,041 |
| Credit loss provision to net charge-offs | 342.1053% | 868 |
| Earnings coverage of net charge-offs (x) | 14.9123% | 2,028 |
| Efficiency ratio | 78.0702% | 1,779 |
| Assets per employee ($millions) | 3.5271% | 4,707 |
| Cash dividends to net income (ytd only)* | 105.2521% | 455 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1495% | 3,648 |
| Loan loss allowance to noncurrent loans | 112.4228% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 0.9837% | 2,175 |
| Noncurrent loans to loans | 1.0225% | 2,243 |
| Net loans and leases to total assets | 71.3116% | 2,282 |
| Net loans and leases to deposits | 89.3217% | 1,829 |
| Net loans and leases to core deposits | 95.5908% | 2,014 |
| Total domestic deposits to total assets | 79.8369% | 4,585 |
| Equity capital to assets | 9.6077% | 4,661 |
| Core capital (leverage) ratio | 8.5389% | 5,330 |
| Tier 1 risk-based capital ratio | 11.0644% | 5,389 |
| Total risk-based capital ratio | 12.1497% | 5,399 |
| Memoranda: |
| Average total assets | $195,500,330 | 3,037 |
| Average earning assets | $181,098,330 | 3,033 |
| Average equity | $18,633,670 | 3,351 |
| Average total loans | $140,872,330 | 2,774 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6638% | 1,121 |
| Cost of funding earning assets | 0.5963% | 1,353 |
| Net interest margin | 4.0675% | 1,429 |
| Noninterest income to average assets | 0.3311% | 4,362 |
| Noninterest expense to average assets | 3.1590% | 1,931 |
| Loan and lease loss provision to assets | 0.1542% | 1,365 |
| Net operating income to assets | 0.4733% | 4,729 |
| Return on assets (ROA) | 0.6273% | 4,185 |
| Pretax return on assets | 1.0180% | 3,409 |
| Return on Equity (ROE) | 6.6082% | 3,666 |
| Retained earnings to average equity (ytd only) | -2.6866% | 5,447 |
| Net charge-offs to loans | -0.0057% | 4,331 |
| Credit loss provision to net charge-offs | -3,750.0000% | 4,981 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2247% | 2,003 |
| Assets per employee ($millions) | 3.5824% | 4,683 |
| Cash dividends to net income (ytd only)* | 140.6557% | 430 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1155% | 3,965 |
| Loan loss allowance to noncurrent loans | 107.3519% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 0.9836% | 2,251 |
| Noncurrent loans to loans | 1.0391% | 2,310 |
| Net loans and leases to total assets | 70.9529% | 2,202 |
| Net loans and leases to deposits | 88.9783% | 1,706 |
| Net loans and leases to core deposits | 95.4468% | 1,846 |
| Total domestic deposits to total assets | 79.7419% | 4,805 |
| Equity capital to assets | 9.4071% | 4,762 |
| Core capital (leverage) ratio | 8.6388% | 5,252 |
| Tier 1 risk-based capital ratio | 11.0216% | 5,491 |
| Total risk-based capital ratio | 12.0723% | 5,503 |
| Memoranda: |
| Average total assets | $194,491,000 | 3,053 |
| Average earning assets | $179,766,000 | 3,050 |
| Average equity | $18,462,000 | 3,370 |
| Average total loans | $140,062,500 | 2,782 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4009% | 1,897 |
| Cost of funding earning assets | 0.5928% | 1,416 |
| Net interest margin | 3.8081% | 2,343 |
| Noninterest income to average assets | 0.3451% | 4,445 |
| Noninterest expense to average assets | 3.1769% | 2,018 |
| Loan and lease loss provision to assets | 0.1299% | 1,844 |
| Net operating income to assets | 0.3467% | 5,219 |
| Return on assets (ROA) | 0.3467% | 5,315 |
| Pretax return on assets | 0.5492% | 4,994 |
| Return on Equity (ROE) | 3.5732% | 5,114 |
| Retained earnings to average equity (ytd only) | -0.3278% | 5,562 |
| Net charge-offs to loans | 0.0931% | 2,501 |
| Credit loss provision to net charge-offs | 200.8197% | 1,385 |
| Earnings coverage of net charge-offs (x) | 10.5000% | 2,678 |
| Efficiency ratio | 82.3893% | 1,354 |
| Assets per employee ($millions) | 3.5530% | 4,716 |
| Cash dividends to net income (ytd only)* | 109.1743% | 311 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0817% | 4,138 |
| Loan loss allowance to noncurrent loans | 60.4108% | 4,625 |
| Noncurrent assets plus other real estate owned to assets | 1.5459% | 1,289 |
| Noncurrent loans to loans | 1.7906% | 1,229 |
| Net loans and leases to total assets | 71.4919% | 2,138 |
| Net loans and leases to deposits | 89.7712% | 1,638 |
| Net loans and leases to core deposits | 96.2899% | 1,817 |
| Total domestic deposits to total assets | 79.6379% | 4,831 |
| Equity capital to assets | 9.5845% | 4,456 |
| Core capital (leverage) ratio | 8.6863% | 5,231 |
| Tier 1 risk-based capital ratio | 10.7834% | 5,634 |
| Total risk-based capital ratio | 11.7651% | 5,689 |
| Memoranda: |
| Average total assets | $188,641,400 | 3,069 |
| Average earning assets | $173,919,800 | 3,066 |
| Average equity | $18,302,800 | 3,340 |
| Average total loans | $131,051,000 | 2,871 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4161% | 1,876 |
| Cost of funding earning assets | 0.5983% | 1,416 |
| Net interest margin | 3.8177% | 2,317 |
| Noninterest income to average assets | 0.3194% | 4,655 |
| Noninterest expense to average assets | 3.1417% | 2,112 |
| Loan and lease loss provision to assets | 0.1207% | 1,887 |
| Net operating income to assets | 0.3620% | 5,286 |
| Return on assets (ROA) | 0.3620% | 5,370 |
| Pretax return on assets | 0.5671% | 5,053 |
| Return on Equity (ROE) | 3.7195% | 5,136 |
| Retained earnings to average equity (ytd only) | -1.4878% | 5,803 |
| Net charge-offs to loans | 0.1290% | 1,846 |
| Credit loss provision to net charge-offs | 136.0000% | 1,813 |
| Earnings coverage of net charge-offs (x) | 7.7521% | 2,883 |
| Efficiency ratio | 82.0389% | 1,393 |
| Assets per employee ($millions) | 3.4854% | 4,815 |
| Cash dividends to net income (ytd only)* | 140.0012% | 147 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0848% | 4,312 |
| Loan loss allowance to noncurrent loans | 25.1015% | 5,516 |
| Noncurrent assets plus other real estate owned to assets | 3.4594% | 378 |
| Noncurrent loans to loans | 4.3217% | 268 |
| Net loans and leases to total assets | 68.8922% | 2,548 |
| Net loans and leases to deposits | 87.5249% | 1,968 |
| Net loans and leases to core deposits | 91.4484% | 2,321 |
| Total domestic deposits to total assets | 78.7115% | 5,049 |
| Equity capital to assets | 9.7875% | 4,406 |
| Core capital (leverage) ratio | 8.7117% | 5,339 |
| Tier 1 risk-based capital ratio | 10.2658% | 5,960 |
| Total risk-based capital ratio | 11.1648% | 6,027 |
| Memoranda: |
| Average total assets | $187,836,500 | 3,101 |
| Average earning assets | $172,698,000 | 3,103 |
| Average equity | $18,281,250 | 3,370 |
| Average total loans | $129,147,500 | 2,918 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2462% | 2,367 |
| Cost of funding earning assets | 0.6002% | 1,417 |
| Net interest margin | 3.6460% | 2,924 |
| Noninterest income to average assets | 0.2969% | 4,835 |
| Noninterest expense to average assets | 3.1643% | 2,083 |
| Loan and lease loss provision to assets | 0.1011% | 2,145 |
| Net operating income to assets | 0.2383% | 5,608 |
| Return on assets (ROA) | 0.2383% | 5,677 |
| Pretax return on assets | 0.3862% | 5,498 |
| Return on Equity (ROE) | 2.4569% | 5,577 |
| Retained earnings to average equity (ytd only) | -5.3744% | 6,038 |
| Net charge-offs to loans | 0.1354% | 1,686 |
| Credit loss provision to net charge-offs | 109.1954% | 1,935 |
| Earnings coverage of net charge-offs (x) | 5.2644% | 2,942 |
| Efficiency ratio | 86.6550% | 1,006 |
| Assets per employee ($millions) | 3.4838% | 4,830 |
| Cash dividends to net income (ytd only)* | 318.7500% | 47 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0566% | 4,565 |
| Loan loss allowance to noncurrent loans | 56.2779% | 4,834 |
| Noncurrent assets plus other real estate owned to assets | 2.0943% | 1,031 |
| Noncurrent loans to loans | 1.8775% | 1,338 |
| Net loans and leases to total assets | 68.9384% | 2,494 |
| Net loans and leases to deposits | 86.7945% | 1,969 |
| Net loans and leases to core deposits | 93.5762% | 2,000 |
| Total domestic deposits to total assets | 79.4271% | 4,997 |
| Equity capital to assets | 9.5282% | 4,617 |
| Core capital (leverage) ratio | 8.4885% | 5,544 |
| Tier 1 risk-based capital ratio | 11.2707% | 5,588 |
| Total risk-based capital ratio | 12.2561% | 5,626 |
| Memoranda: |
| Average total assets | $187,970,000 | 3,129 |
| Average earning assets | $172,956,330 | 3,123 |
| Average equity | $18,234,670 | 3,391 |
| Average total loans | $128,502,000 | 2,938 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1851% | 2,517 |
| Cost of funding earning assets | 0.5559% | 1,793 |
| Net interest margin | 3.6293% | 2,895 |
| Noninterest income to average assets | 0.2853% | 4,889 |
| Noninterest expense to average assets | 3.3360% | 1,635 |
| Loan and lease loss provision to assets | 0.0426% | 3,061 |
| Net operating income to assets | 0.1512% | 5,784 |
| Return on assets (ROA) | 0.1512% | 5,857 |
| Pretax return on assets | 0.2427% | 5,765 |
| Return on Equity (ROE) | 1.5444% | 5,794 |
| Retained earnings to average equity (ytd only) | 1.5444% | 4,860 |
| Net charge-offs to loans | 0.4999% | 498 |
| Credit loss provision to net charge-offs | 12.5786% | 2,417 |
| Earnings coverage of net charge-offs (x) | 0.8428% | 3,002 |
| Efficiency ratio | 92.1223% | 706 |
| Assets per employee ($millions) | 3.4350% | 5,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9976% | 5,046 |
| Loan loss allowance to noncurrent loans | 50.7188% | 5,003 |
| Noncurrent assets plus other real estate owned to assets | 2.0415% | 1,161 |
| Noncurrent loans to loans | 1.9670% | 1,335 |
| Net loans and leases to total assets | 66.7102% | 2,650 |
| Net loans and leases to deposits | 84.4940% | 2,004 |
| Net loans and leases to core deposits | 88.3840% | 2,285 |
| Total domestic deposits to total assets | 78.9526% | 5,272 |
| Equity capital to assets | 9.6360% | 4,592 |
| Core capital (leverage) ratio | 8.5825% | 5,443 |
| Tier 1 risk-based capital ratio | 10.2148% | 6,106 |
| Total risk-based capital ratio | 11.0468% | 6,179 |
| Memoranda: |
| Average total assets | $187,890,500 | 3,144 |
| Average earning assets | $172,707,000 | 3,139 |
| Average equity | $18,389,500 | 3,396 |
| Average total loans | $127,215,000 | 2,959 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3746% | 2,300 |
| Cost of funding earning assets | 0.6169% | 1,627 |
| Net interest margin | 3.7578% | 2,779 |
| Noninterest income to average assets | 0.3490% | 4,610 |
| Noninterest expense to average assets | 3.3293% | 1,853 |
| Loan and lease loss provision to assets | 0.1307% | 2,006 |
| Net operating income to assets | 0.2075% | 5,750 |
| Return on assets (ROA) | 0.2385% | 5,740 |
| Pretax return on assets | 0.3806% | 5,533 |
| Return on Equity (ROE) | 2.4462% | 5,647 |
| Retained earnings to average equity (ytd only) | 2.4462% | 4,488 |
| Net charge-offs to loans | 0.0315% | 4,197 |
| Credit loss provision to net charge-offs | 631.5789% | 421 |
| Earnings coverage of net charge-offs (x) | 22.3684% | 1,630 |
| Efficiency ratio | 87.7944% | 1,008 |
| Assets per employee ($millions) | 3.3974% | 5,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1083% | 4,500 |
| Loan loss allowance to noncurrent loans | 53.4117% | 5,006 |
| Noncurrent assets plus other real estate owned to assets | 2.1316% | 1,154 |
| Noncurrent loans to loans | 2.0751% | 1,317 |
| Net loans and leases to total assets | 67.2810% | 2,682 |
| Net loans and leases to deposits | 83.8416% | 2,233 |
| Net loans and leases to core deposits | 85.4440% | 2,738 |
| Total domestic deposits to total assets | 80.2478% | 4,952 |
| Equity capital to assets | 9.9403% | 4,191 |
| Core capital (leverage) ratio | 8.7891% | 5,253 |
| Tier 1 risk-based capital ratio | 12.8698% | 4,809 |
| Total risk-based capital ratio | 13.9846% | 4,808 |
| Memoranda: |
| Average total assets | $183,641,800 | 3,169 |
| Average earning assets | $168,265,000 | 3,180 |
| Average equity | $17,905,400 | 3,410 |
| Average total loans | $120,511,000 | 3,027 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3690% | 2,351 |
| Cost of funding earning assets | 0.6180% | 1,695 |
| Net interest margin | 3.7510% | 2,807 |
| Noninterest income to average assets | 0.3048% | 5,005 |
| Noninterest expense to average assets | 3.3180% | 1,864 |
| Loan and lease loss provision to assets | 0.0875% | 2,601 |
| Net operating income to assets | 0.2129% | 5,830 |
| Return on assets (ROA) | 0.2129% | 5,878 |
| Pretax return on assets | 0.3384% | 5,698 |
| Return on Equity (ROE) | 2.1948% | 5,790 |
| Retained earnings to average equity (ytd only) | 2.1948% | 4,960 |
| Net charge-offs to loans | 0.0269% | 3,962 |
| Credit loss provision to net charge-offs | 500.0000% | 567 |
| Earnings coverage of net charge-offs (x) | 24.3328% | 1,550 |
| Efficiency ratio | 88.6249% | 947 |
| Assets per employee ($millions) | 3.3771% | 5,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0623% | 4,932 |
| Loan loss allowance to noncurrent loans | 66.8548% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 1.6714% | 1,814 |
| Noncurrent loans to loans | 1.5889% | 2,043 |
| Net loans and leases to total assets | 64.1714% | 3,155 |
| Net loans and leases to deposits | 79.7661% | 2,724 |
| Net loans and leases to core deposits | 81.3984% | 3,161 |
| Total domestic deposits to total assets | 80.4495% | 4,980 |
| Equity capital to assets | 9.6166% | 4,648 |
| Core capital (leverage) ratio | 8.7848% | 5,357 |
| Tier 1 risk-based capital ratio | 12.7994% | 4,977 |
| Total risk-based capital ratio | 13.8330% | 5,048 |
| Memoranda: |
| Average total assets | $182,838,500 | 3,206 |
| Average earning assets | $167,631,500 | 3,212 |
| Average equity | $17,738,250 | 3,447 |
| Average total loans | $118,857,000 | 3,082 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3495% | 2,382 |
| Cost of funding earning assets | 0.6176% | 1,753 |
| Net interest margin | 3.7320% | 2,833 |
| Noninterest income to average assets | 0.3087% | 4,943 |
| Noninterest expense to average assets | 3.3639% | 1,773 |
| Loan and lease loss provision to assets | 0.1107% | 2,178 |
| Net operating income to assets | 0.1593% | 5,935 |
| Return on assets (ROA) | 0.1593% | 5,973 |
| Pretax return on assets | 0.2512% | 5,871 |
| Return on Equity (ROE) | 1.6374% | 5,921 |
| Retained earnings to average equity (ytd only) | 1.6374% | 5,085 |
| Net charge-offs to loans | -0.0187% | 5,523 |
| Credit loss provision to net charge-offs | -909.0909% | 5,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2881% | 895 |
| Assets per employee ($millions) | 3.5525% | 4,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0977% | 4,918 |
| Loan loss allowance to noncurrent loans | 71.5527% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 1.7393% | 1,871 |
| Noncurrent loans to loans | 1.5341% | 2,264 |
| Net loans and leases to total assets | 64.2839% | 3,029 |
| Net loans and leases to deposits | 79.9899% | 2,516 |
| Net loans and leases to core deposits | 82.8633% | 2,870 |
| Total domestic deposits to total assets | 80.3651% | 5,164 |
| Equity capital to assets | 9.6848% | 4,511 |
| Core capital (leverage) ratio | 8.8175% | 5,260 |
| Tier 1 risk-based capital ratio | 12.7123% | 5,080 |
| Total risk-based capital ratio | 13.7591% | 5,147 |
| Memoranda: |
| Average total assets | $180,744,670 | 3,241 |
| Average earning assets | $165,488,670 | 3,254 |
| Average equity | $17,588,670 | 3,466 |
| Average total loans | $117,588,000 | 3,111 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3241% | 2,430 |
| Cost of funding earning assets | 0.6111% | 1,892 |
| Net interest margin | 3.7130% | 2,814 |
| Noninterest income to average assets | 0.2573% | 5,295 |
| Noninterest expense to average assets | 3.3924% | 1,723 |
| Loan and lease loss provision to assets | 0.1343% | 1,805 |
| Net operating income to assets | 0.0873% | 6,060 |
| Return on assets (ROA) | 0.0873% | 6,085 |
| Pretax return on assets | 0.1298% | 6,033 |
| Return on Equity (ROE) | 0.8946% | 6,061 |
| Retained earnings to average equity (ytd only) | 0.8946% | 5,241 |
| Net charge-offs to loans | 0.0516% | 2,665 |
| Credit loss provision to net charge-offs | 400.0000% | 650 |
| Earnings coverage of net charge-offs (x) | 7.8667% | 2,080 |
| Efficiency ratio | 92.7785% | 828 |
| Assets per employee ($millions) | 3.5675% | 4,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0710% | 5,240 |
| Loan loss allowance to noncurrent loans | 74.7017% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 1.6646% | 2,122 |
| Noncurrent loans to loans | 1.4337% | 2,632 |
| Net loans and leases to total assets | 62.3393% | 3,182 |
| Net loans and leases to deposits | 76.9546% | 2,688 |
| Net loans and leases to core deposits | 80.4593% | 2,914 |
| Total domestic deposits to total assets | 81.0079% | 5,236 |
| Equity capital to assets | 9.4993% | 4,502 |
| Core capital (leverage) ratio | 9.0820% | 4,892 |
| Tier 1 risk-based capital ratio | 13.0581% | 4,975 |
| Total risk-based capital ratio | 14.0859% | 5,048 |
| Memoranda: |
| Average total assets | $178,751,000 | 3,292 |
| Average earning assets | $163,642,500 | 3,296 |
| Average equity | $17,437,500 | 3,487 |
| Average total loans | $116,346,500 | 3,148 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6090% | 1,844 |
| Cost of funding earning assets | 0.6469% | 2,227 |
| Net interest margin | 3.9621% | 2,059 |
| Noninterest income to average assets | 0.3720% | 4,655 |
| Noninterest expense to average assets | 3.7138% | 1,266 |
| Loan and lease loss provision to assets | 0.0306% | 4,499 |
| Net operating income to assets | 0.1615% | 5,918 |
| Return on assets (ROA) | 0.1619% | 5,983 |
| Pretax return on assets | 0.2507% | 5,846 |
| Return on Equity (ROE) | 1.5451% | 5,976 |
| Retained earnings to average equity (ytd only) | 1.5451% | 5,119 |
| Net charge-offs to loans | 0.2276% | 2,639 |
| Credit loss provision to net charge-offs | 20.3922% | 4,441 |
| Earnings coverage of net charge-offs (x) | 1.8706% | 4,426 |
| Efficiency ratio | 92.9719% | 809 |
| Assets per employee ($millions) | 3.1851% | 5,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0424% | 5,370 |
| Loan loss allowance to noncurrent loans | 96.6373% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 1.7315% | 2,133 |
| Noncurrent loans to loans | 1.0786% | 3,367 |
| Net loans and leases to total assets | 66.6242% | 2,589 |
| Net loans and leases to deposits | 81.1054% | 2,312 |
| Net loans and leases to core deposits | 85.0433% | 2,558 |
| Total domestic deposits to total assets | 82.1452% | 4,823 |
| Equity capital to assets | 10.0312% | 3,728 |
| Core capital (leverage) ratio | 9.1560% | 4,774 |
| Tier 1 risk-based capital ratio | 13.3158% | 4,777 |
| Total risk-based capital ratio | 14.3284% | 4,877 |
| Memoranda: |
| Average total assets | $169,904,600 | 3,411 |
| Average earning assets | $155,347,000 | 3,413 |
| Average equity | $17,798,000 | 3,449 |
| Average total loans | $112,021,200 | 3,210 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6239% | 1,817 |
| Cost of funding earning assets | 0.6550% | 2,319 |
| Net interest margin | 3.9689% | 2,048 |
| Noninterest income to average assets | 0.4196% | 4,373 |
| Noninterest expense to average assets | 3.7343% | 1,197 |
| Loan and lease loss provision to assets | 0.0409% | 4,187 |
| Net operating income to assets | 0.1766% | 5,972 |
| Return on assets (ROA) | 0.1771% | 6,038 |
| Pretax return on assets | 0.2747% | 5,925 |
| Return on Equity (ROE) | 1.6727% | 6,033 |
| Retained earnings to average equity (ytd only) | 1.6727% | 5,307 |
| Net charge-offs to loans | 0.1897% | 2,704 |
| Credit loss provision to net charge-offs | 32.9114% | 3,840 |
| Earnings coverage of net charge-offs (x) | 2.5317% | 3,989 |
| Efficiency ratio | 92.2240% | 841 |
| Assets per employee ($millions) | 3.0521% | 5,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1389% | 5,171 |
| Loan loss allowance to noncurrent loans | 34.3791% | 5,834 |
| Noncurrent assets plus other real estate owned to assets | 3.2161% | 1,109 |
| Noncurrent loans to loans | 3.3128% | 1,172 |
| Net loans and leases to total assets | 65.6127% | 2,704 |
| Net loans and leases to deposits | 79.7311% | 2,445 |
| Net loans and leases to core deposits | 83.5434% | 2,697 |
| Total domestic deposits to total assets | 82.2925% | 4,835 |
| Equity capital to assets | 9.9741% | 3,936 |
| Core capital (leverage) ratio | 9.3267% | 4,656 |
| Tier 1 risk-based capital ratio | 13.2368% | 4,958 |
| Total risk-based capital ratio | 14.3366% | 5,015 |
| Memoranda: |
| Average total assets | $169,382,500 | 3,457 |
| Average earning assets | $154,901,500 | 3,455 |
| Average equity | $17,934,250 | 3,466 |
| Average total loans | $111,077,500 | 3,245 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6065% | 1,834 |
| Cost of funding earning assets | 0.6724% | 2,286 |
| Net interest margin | 3.9341% | 2,092 |
| Noninterest income to average assets | 0.4194% | 4,380 |
| Noninterest expense to average assets | 3.7295% | 1,204 |
| Loan and lease loss provision to assets | 0.0620% | 3,773 |
| Net operating income to assets | 0.1458% | 6,035 |
| Return on assets (ROA) | 0.1466% | 6,138 |
| Pretax return on assets | 0.2264% | 6,036 |
| Return on Equity (ROE) | 1.3570% | 6,131 |
| Retained earnings to average equity (ytd only) | 1.3570% | 5,344 |
| Net charge-offs to loans | 0.2956% | 2,002 |
| Credit loss provision to net charge-offs | 32.0988% | 3,552 |
| Earnings coverage of net charge-offs (x) | 1.4877% | 4,036 |
| Efficiency ratio | 92.8508% | 829 |
| Assets per employee ($millions) | 2.9684% | 5,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1782% | 5,111 |
| Loan loss allowance to noncurrent loans | 31.2873% | 5,966 |
| Noncurrent assets plus other real estate owned to assets | 3.6614% | 1,016 |
| Noncurrent loans to loans | 3.7657% | 1,083 |
| Net loans and leases to total assets | 64.9403% | 2,764 |
| Net loans and leases to deposits | 79.5904% | 2,385 |
| Net loans and leases to core deposits | 82.9392% | 2,702 |
| Total domestic deposits to total assets | 81.5931% | 5,184 |
| Equity capital to assets | 10.4494% | 3,371 |
| Core capital (leverage) ratio | 9.3747% | 4,424 |
| Tier 1 risk-based capital ratio | 13.7302% | 4,622 |
| Total risk-based capital ratio | 14.8732% | 4,654 |
| Memoranda: |
| Average total assets | $167,853,000 | 3,498 |
| Average earning assets | $153,479,330 | 3,496 |
| Average equity | $18,128,330 | 3,457 |
| Average total loans | $109,616,000 | 3,281 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5903% | 1,853 |
| Cost of funding earning assets | 0.6909% | 2,300 |
| Net interest margin | 3.8994% | 2,121 |
| Noninterest income to average assets | 0.3948% | 4,504 |
| Noninterest expense to average assets | 3.4980% | 1,623 |
| Loan and lease loss provision to assets | 0.1244% | 2,678 |
| Net operating income to assets | 0.2153% | 5,839 |
| Return on assets (ROA) | 0.2153% | 5,958 |
| Pretax return on assets | 0.3374% | 5,756 |
| Return on Equity (ROE) | 1.9616% | 5,952 |
| Retained earnings to average equity (ytd only) | 1.9616% | 5,021 |
| Net charge-offs to loans | 0.0037% | 4,093 |
| Credit loss provision to net charge-offs | 5,200.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 193.0000% | 208 |
| Efficiency ratio | 88.3384% | 1,296 |
| Assets per employee ($millions) | 3.1624% | 5,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3653% | 4,397 |
| Loan loss allowance to noncurrent loans | 23.2459% | 6,249 |
| Noncurrent assets plus other real estate owned to assets | 5.0791% | 713 |
| Noncurrent loans to loans | 5.8735% | 575 |
| Net loans and leases to total assets | 63.4017% | 2,818 |
| Net loans and leases to deposits | 78.2664% | 2,304 |
| Net loans and leases to core deposits | 81.3683% | 2,645 |
| Total domestic deposits to total assets | 81.0076% | 5,494 |
| Equity capital to assets | 10.9350% | 3,036 |
| Core capital (leverage) ratio | 9.3262% | 4,359 |
| Tier 1 risk-based capital ratio | 13.9951% | 4,504 |
| Total risk-based capital ratio | 15.2453% | 4,470 |
| Memoranda: |
| Average total assets | $167,181,000 | 3,545 |
| Average earning assets | $152,842,500 | 3,545 |
| Average equity | $18,352,500 | 3,476 |
| Average total loans | $108,830,500 | 3,313 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8081% | 2,161 |
| Cost of funding earning assets | 0.8412% | 2,354 |
| Net interest margin | 3.9669% | 2,542 |
| Noninterest income to average assets | 0.3251% | 5,132 |
| Noninterest expense to average assets | 3.5094% | 1,790 |
| Loan and lease loss provision to assets | 0.4052% | 1,601 |
| Net operating income to assets | 0.0284% | 6,123 |
| Return on assets (ROA) | 0.0929% | 6,164 |
| Pretax return on assets | 0.1248% | 6,112 |
| Return on Equity (ROE) | 0.8581% | 6,158 |
| Retained earnings to average equity (ytd only) | -1.3945% | 6,076 |
| Net charge-offs to loans | 0.4984% | 2,243 |
| Credit loss provision to net charge-offs | 123.9787% | 2,294 |
| Earnings coverage of net charge-offs (x) | 1.3552% | 4,779 |
| Efficiency ratio | 88.7926% | 1,166 |
| Assets per employee ($millions) | 3.1463% | 5,747 |
| Cash dividends to net income (ytd only)* | 262.5000% | 83 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2827% | 4,726 |
| Loan loss allowance to noncurrent loans | 23.8538% | 6,291 |
| Noncurrent assets plus other real estate owned to assets | 4.9109% | 798 |
| Noncurrent loans to loans | 5.3774% | 700 |
| Net loans and leases to total assets | 65.0741% | 2,705 |
| Net loans and leases to deposits | 81.2728% | 2,115 |
| Net loans and leases to core deposits | 86.0879% | 2,306 |
| Total domestic deposits to total assets | 80.0687% | 5,643 |
| Equity capital to assets | 11.0205% | 2,926 |
| Core capital (leverage) ratio | 9.4073% | 4,245 |
| Tier 1 risk-based capital ratio | 13.6961% | 4,606 |
| Total risk-based capital ratio | 14.9345% | 4,563 |
| Memoranda: |
| Average total assets | $172,252,600 | 3,415 |
| Average earning assets | $157,503,800 | 3,410 |
| Average equity | $18,645,000 | 3,380 |
| Average total loans | $112,951,400 | 3,229 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7146% | 2,745 |
| Cost of funding earning assets | 0.8816% | 2,299 |
| Net interest margin | 3.8330% | 3,189 |
| Noninterest income to average assets | 0.3018% | 5,368 |
| Noninterest expense to average assets | 3.4733% | 1,820 |
| Loan and lease loss provision to assets | 0.1221% | 4,026 |
| Net operating income to assets | 0.1382% | 6,052 |
| Return on assets (ROA) | 0.1782% | 6,127 |
| Pretax return on assets | 0.2734% | 6,001 |
| Return on Equity (ROE) | 1.6531% | 6,113 |
| Retained earnings to average equity (ytd only) | 1.6531% | 5,506 |
| Net charge-offs to loans | 0.3189% | 2,849 |
| Credit loss provision to net charge-offs | 58.4559% | 4,191 |
| Earnings coverage of net charge-offs (x) | 1.5993% | 4,483 |
| Efficiency ratio | 91.2263% | 946 |
| Assets per employee ($millions) | 4.5455% | 2,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0350% | 5,956 |
| Loan loss allowance to noncurrent loans | 23.1982% | 6,405 |
| Noncurrent assets plus other real estate owned to assets | 4.4975% | 1,032 |
| Noncurrent loans to loans | 4.4617% | 1,064 |
| Net loans and leases to total assets | 66.0624% | 2,638 |
| Net loans and leases to deposits | 82.6373% | 2,037 |
| Net loans and leases to core deposits | 85.2431% | 2,556 |
| Total domestic deposits to total assets | 79.9426% | 5,671 |
| Equity capital to assets | 11.2402% | 2,994 |
| Core capital (leverage) ratio | 9.7227% | 3,916 |
| Tier 1 risk-based capital ratio | 13.9427% | 4,573 |
| Total risk-based capital ratio | 14.9511% | 4,705 |
| Memoranda: |
| Average total assets | $173,627,500 | 3,435 |
| Average earning assets | $158,792,750 | 3,432 |
| Average equity | $18,712,000 | 3,403 |
| Average total loans | $113,708,500 | 3,248 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7155% | 2,859 |
| Cost of funding earning assets | 0.9321% | 2,169 |
| Net interest margin | 3.7834% | 3,438 |
| Noninterest income to average assets | 0.2702% | 5,645 |
| Noninterest expense to average assets | 3.3869% | 2,063 |
| Loan and lease loss provision to assets | 0.0752% | 4,682 |
| Net operating income to assets | 0.1733% | 5,995 |
| Return on assets (ROA) | 0.2326% | 6,005 |
| Pretax return on assets | 0.3602% | 5,802 |
| Return on Equity (ROE) | 2.1879% | 5,988 |
| Retained earnings to average equity (ytd only) | 2.1879% | 5,099 |
| Net charge-offs to loans | 0.0315% | 4,937 |
| Credit loss provision to net charge-offs | 366.6667% | 806 |
| Earnings coverage of net charge-offs (x) | 16.7778% | 1,570 |
| Efficiency ratio | 90.7730% | 1,018 |
| Assets per employee ($millions) | 3.6396% | 4,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1655% | 5,499 |
| Loan loss allowance to noncurrent loans | 25.2048% | 6,355 |
| Noncurrent assets plus other real estate owned to assets | 4.7886% | 1,009 |
| Noncurrent loans to loans | 4.6242% | 1,129 |
| Net loans and leases to total assets | 67.0099% | 2,460 |
| Net loans and leases to deposits | 83.8889% | 1,863 |
| Net loans and leases to core deposits | 86.2063% | 2,403 |
| Total domestic deposits to total assets | 79.8793% | 5,771 |
| Equity capital to assets | 11.2818% | 2,813 |
| Core capital (leverage) ratio | 9.7124% | 3,816 |
| Tier 1 risk-based capital ratio | 13.4295% | 4,887 |
| Total risk-based capital ratio | 14.5371% | 4,941 |
| Memoranda: |
| Average total assets | $175,442,670 | 3,432 |
| Average earning assets | $160,492,000 | 3,416 |
| Average equity | $18,648,000 | 3,406 |
| Average total loans | $114,189,000 | 3,246 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6456% | 3,288 |
| Cost of funding earning assets | 0.9690% | 2,165 |
| Net interest margin | 3.6765% | 3,936 |
| Noninterest income to average assets | 0.1516% | 6,480 |
| Noninterest expense to average assets | 3.0849% | 2,969 |
| Loan and lease loss provision to assets | 0.1471% | 3,520 |
| Net operating income to assets | 0.1862% | 6,023 |
| Return on assets (ROA) | 0.1761% | 6,193 |
| Pretax return on assets | 0.2697% | 6,039 |
| Return on Equity (ROE) | 1.7055% | 6,157 |
| Retained earnings to average equity (ytd only) | 1.7055% | 5,379 |
| Net charge-offs to loans | -0.0279% | 6,316 |
| Credit loss provision to net charge-offs | -825.0000% | 5,889 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7060% | 1,310 |
| Assets per employee ($millions) | 3.6933% | 4,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1806% | 5,587 |
| Loan loss allowance to noncurrent loans | 24.4561% | 6,400 |
| Noncurrent assets plus other real estate owned to assets | 4.5116% | 1,184 |
| Noncurrent loans to loans | 4.8274% | 1,175 |
| Net loans and leases to total assets | 63.6950% | 2,912 |
| Net loans and leases to deposits | 80.6082% | 2,126 |
| Net loans and leases to core deposits | 83.8707% | 2,559 |
| Total domestic deposits to total assets | 79.0180% | 6,066 |
| Equity capital to assets | 10.4476% | 3,557 |
| Core capital (leverage) ratio | 9.2020% | 4,512 |
| Tier 1 risk-based capital ratio | 13.2280% | 5,050 |
| Total risk-based capital ratio | 14.3482% | 5,105 |
| Memoranda: |
| Average total assets | $179,454,000 | 3,388 |
| Average earning assets | $164,286,000 | 3,371 |
| Average equity | $18,528,000 | 3,420 |
| Average total loans | $114,528,000 | 3,263 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9070% | 3,316 |
| Cost of funding earning assets | 1.1498% | 2,355 |
| Net interest margin | 3.7572% | 4,040 |
| Noninterest income to average assets | 0.3426% | 5,078 |
| Noninterest expense to average assets | 3.4030% | 2,229 |
| Loan and lease loss provision to assets | 0.0131% | 6,375 |
| Net operating income to assets | 0.2132% | 5,548 |
| Return on assets (ROA) | 0.2463% | 5,576 |
| Pretax return on assets | 0.3729% | 5,372 |
| Return on Equity (ROE) | 2.4120% | 5,504 |
| Retained earnings to average equity (ytd only) | 2.4120% | 4,502 |
| Net charge-offs to loans | 0.4198% | 3,331 |
| Credit loss provision to net charge-offs | 4.6939% | 6,045 |
| Earnings coverage of net charge-offs (x) | 1.2020% | 4,884 |
| Efficiency ratio | 91.0186% | 1,112 |
| Assets per employee ($millions) | 3.7068% | 4,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1107% | 5,775 |
| Loan loss allowance to noncurrent loans | 23.4461% | 6,496 |
| Noncurrent assets plus other real estate owned to assets | 4.9209% | 1,092 |
| Noncurrent loans to loans | 4.7373% | 1,234 |
| Net loans and leases to total assets | 62.4978% | 3,505 |
| Net loans and leases to deposits | 78.8563% | 2,699 |
| Net loans and leases to core deposits | 80.7891% | 3,343 |
| Total domestic deposits to total assets | 79.2553% | 5,929 |
| Equity capital to assets | 10.2047% | 3,898 |
| Core capital (leverage) ratio | 8.9521% | 4,858 |
| Tier 1 risk-based capital ratio | 13.1839% | 4,927 |
| Total risk-based capital ratio | 14.2439% | 5,048 |
| Memoranda: |
| Average total assets | $175,404,000 | 3,406 |
| Average earning assets | $158,549,000 | 3,432 |
| Average equity | $17,910,600 | 3,439 |
| Average total loans | $116,721,400 | 3,240 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9852% | 3,161 |
| Cost of funding earning assets | 1.1919% | 2,368 |
| Net interest margin | 3.7933% | 3,906 |
| Noninterest income to average assets | 0.2868% | 5,556 |
| Noninterest expense to average assets | 3.5080% | 1,918 |
| Loan and lease loss provision to assets | 0.0176% | 6,219 |
| Net operating income to assets | 0.1252% | 5,901 |
| Return on assets (ROA) | 0.1825% | 5,875 |
| Pretax return on assets | 0.2677% | 5,775 |
| Return on Equity (ROE) | 1.7873% | 5,844 |
| Retained earnings to average equity (ytd only) | 1.7873% | 5,243 |
| Net charge-offs to loans | 0.4425% | 2,954 |
| Credit loss provision to net charge-offs | 5.9126% | 5,698 |
| Earnings coverage of net charge-offs (x) | 0.6735% | 5,119 |
| Efficiency ratio | 94.5823% | 885 |
| Assets per employee ($millions) | 3.4813% | 5,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1750% | 5,563 |
| Loan loss allowance to noncurrent loans | 21.2805% | 6,638 |
| Noncurrent assets plus other real estate owned to assets | 6.1787% | 851 |
| Noncurrent loans to loans | 5.5215% | 1,076 |
| Net loans and leases to total assets | 66.4857% | 2,786 |
| Net loans and leases to deposits | 84.5410% | 1,912 |
| Net loans and leases to core deposits | 86.3759% | 2,727 |
| Total domestic deposits to total assets | 78.6432% | 6,059 |
| Equity capital to assets | 10.5500% | 3,645 |
| Core capital (leverage) ratio | 9.1824% | 4,656 |
| Tier 1 risk-based capital ratio | 13.0123% | 5,088 |
| Total risk-based capital ratio | 14.1540% | 5,148 |
| Memoranda: |
| Average total assets | $173,847,000 | 3,449 |
| Average earning assets | $156,832,250 | 3,485 |
| Average equity | $17,754,500 | 3,463 |
| Average total loans | $117,204,000 | 3,257 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0180% | 3,069 |
| Cost of funding earning assets | 1.2341% | 2,357 |
| Net interest margin | 3.7840% | 3,869 |
| Noninterest income to average assets | 0.2509% | 5,854 |
| Noninterest expense to average assets | 3.4850% | 2,022 |
| Loan and lease loss provision to assets | 0.0265% | 5,971 |
| Net operating income to assets | 0.1098% | 5,993 |
| Return on assets (ROA) | 0.1197% | 6,054 |
| Pretax return on assets | 0.1657% | 5,991 |
| Return on Equity (ROE) | 1.1851% | 6,037 |
| Retained earnings to average equity (ytd only) | 1.1851% | 5,386 |
| Net charge-offs to loans | 0.4009% | 2,954 |
| Credit loss provision to net charge-offs | 9.7872% | 5,248 |
| Earnings coverage of net charge-offs (x) | 0.6596% | 4,802 |
| Efficiency ratio | 95.1304% | 920 |
| Assets per employee ($millions) | 3.4650% | 5,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3003% | 5,060 |
| Loan loss allowance to noncurrent loans | 22.7882% | 6,622 |
| Noncurrent assets plus other real estate owned to assets | 6.3330% | 858 |
| Noncurrent loans to loans | 5.7062% | 1,081 |
| Net loans and leases to total assets | 67.0301% | 2,816 |
| Net loans and leases to deposits | 85.2306% | 1,904 |
| Net loans and leases to core deposits | 87.4441% | 2,713 |
| Total domestic deposits to total assets | 78.6456% | 6,161 |
| Equity capital to assets | 10.3358% | 3,701 |
| Core capital (leverage) ratio | 8.9601% | 4,787 |
| Tier 1 risk-based capital ratio | 12.8562% | 5,039 |
| Total risk-based capital ratio | 14.1061% | 5,014 |
| Memoranda: |
| Average total assets | $173,774,000 | 3,471 |
| Average earning assets | $156,714,330 | 3,512 |
| Average equity | $17,551,330 | 3,486 |
| Average total loans | $117,237,000 | 3,284 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9914% | 3,142 |
| Cost of funding earning assets | 1.2785% | 2,312 |
| Net interest margin | 3.7129% | 4,033 |
| Noninterest income to average assets | 0.3884% | 4,801 |
| Noninterest expense to average assets | 3.4016% | 2,278 |
| Loan and lease loss provision to assets | 0.0529% | 5,341 |
| Net operating income to assets | 0.1885% | 5,823 |
| Return on assets (ROA) | 0.1885% | 5,880 |
| Pretax return on assets | 0.2781% | 5,716 |
| Return on Equity (ROE) | 1.8879% | 5,829 |
| Retained earnings to average equity (ytd only) | 1.8879% | 4,991 |
| Net charge-offs to loans | 0.0171% | 4,840 |
| Credit loss provision to net charge-offs | 460.0000% | 766 |
| Earnings coverage of net charge-offs (x) | 28.8000% | 849 |
| Efficiency ratio | 91.1330% | 1,234 |
| Assets per employee ($millions) | 3.2261% | 5,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5154% | 4,133 |
| Loan loss allowance to noncurrent loans | 21.1666% | 6,723 |
| Noncurrent assets plus other real estate owned to assets | 7.3060% | 705 |
| Noncurrent loans to loans | 7.1594% | 757 |
| Net loans and leases to total assets | 65.6562% | 3,102 |
| Net loans and leases to deposits | 82.8422% | 2,209 |
| Net loans and leases to core deposits | 86.5795% | 2,790 |
| Total domestic deposits to total assets | 79.2546% | 6,132 |
| Equity capital to assets | 10.0148% | 3,756 |
| Core capital (leverage) ratio | 9.0259% | 4,575 |
| Tier 1 risk-based capital ratio | 12.9031% | 4,893 |
| Total risk-based capital ratio | 14.1559% | 4,882 |
| Memoranda: |
| Average total assets | $174,035,000 | 3,485 |
| Average earning assets | $156,749,000 | 3,530 |
| Average equity | $17,373,500 | 3,510 |
| Average total loans | $117,025,000 | 3,313 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9944% | 4,590 |
| Cost of funding earning assets | 1.7183% | 1,515 |
| Net interest margin | 3.2761% | 6,052 |
| Noninterest income to average assets | 0.4641% | 4,416 |
| Noninterest expense to average assets | 4.1782% | 919 |
| Loan and lease loss provision to assets | 0.1612% | 5,601 |
| Net operating income to assets | -0.5395% | 6,414 |
| Return on assets (ROA) | -0.4674% | 6,397 |
| Pretax return on assets | -0.8026% | 6,525 |
| Return on Equity (ROE) | -4.8697% | 6,424 |
| Retained earnings to average equity (ytd only) | -4.8697% | 6,284 |
| Net charge-offs to loans | 0.6771% | 2,977 |
| Credit loss provision to net charge-offs | 35.7656% | 6,439 |
| Earnings coverage of net charge-offs (x) | -1.6734% | 6,690 |
| Efficiency ratio | 122.0246% | 392 |
| Assets per employee ($millions) | 3.4090% | 5,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4774% | 4,134 |
| Loan loss allowance to noncurrent loans | 23.6846% | 6,668 |
| Noncurrent assets plus other real estate owned to assets | 6.7618% | 829 |
| Noncurrent loans to loans | 6.2379% | 984 |
| Net loans and leases to total assets | 66.8172% | 3,269 |
| Net loans and leases to deposits | 84.2694% | 2,409 |
| Net loans and leases to core deposits | 87.2118% | 3,151 |
| Total domestic deposits to total assets | 79.2900% | 6,012 |
| Equity capital to assets | 9.9506% | 3,809 |
| Core capital (leverage) ratio | 8.8517% | 4,774 |
| Tier 1 risk-based capital ratio | 12.7692% | 4,796 |
| Total risk-based capital ratio | 14.0214% | 4,763 |
| Memoranda: |
| Average total assets | $185,512,200 | 3,289 |
| Average earning assets | $167,608,200 | 3,325 |
| Average equity | $17,803,800 | 3,459 |
| Average total loans | $123,472,000 | 3,244 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9479% | 5,050 |
| Cost of funding earning assets | 1.8235% | 1,330 |
| Net interest margin | 3.1244% | 6,549 |
| Noninterest income to average assets | 0.4691% | 4,422 |
| Noninterest expense to average assets | 3.7651% | 1,440 |
| Loan and lease loss provision to assets | 0.2116% | 4,951 |
| Net operating income to assets | -0.7338% | 6,752 |
| Return on assets (ROA) | -0.5859% | 6,705 |
| Pretax return on assets | -0.5335% | 6,580 |
| Return on Equity (ROE) | -6.1572% | 6,732 |
| Retained earnings to average equity (ytd only) | -6.1572% | 6,650 |
| Net charge-offs to loans | 0.9002% | 2,197 |
| Credit loss provision to net charge-offs | 35.4686% | 6,090 |
| Earnings coverage of net charge-offs (x) | -0.7877% | 6,411 |
| Efficiency ratio | 114.2581% | 463 |
| Assets per employee ($millions) | 3.2511% | 5,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4296% | 4,313 |
| Loan loss allowance to noncurrent loans | 19.7563% | 6,912 |
| Noncurrent assets plus other real estate owned to assets | 8.3550% | 585 |
| Noncurrent loans to loans | 7.2361% | 754 |
| Net loans and leases to total assets | 68.1412% | 3,175 |
| Net loans and leases to deposits | 86.3453% | 2,268 |
| Net loans and leases to core deposits | 91.5581% | 2,864 |
| Total domestic deposits to total assets | 78.9171% | 6,042 |
| Equity capital to assets | 10.1607% | 3,930 |
| Core capital (leverage) ratio | 8.6942% | 5,197 |
| Tier 1 risk-based capital ratio | 12.5328% | 4,950 |
| Total risk-based capital ratio | 13.7846% | 4,929 |
| Memoranda: |
| Average total assets | $188,425,750 | 3,294 |
| Average earning assets | $170,438,000 | 3,319 |
| Average equity | $17,929,750 | 3,481 |
| Average total loans | $124,862,750 | 3,265 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8720% | 5,524 |
| Cost of funding earning assets | 1.8701% | 1,339 |
| Net interest margin | 3.0018% | 6,820 |
| Noninterest income to average assets | 0.3861% | 5,024 |
| Noninterest expense to average assets | 3.5732% | 1,844 |
| Loan and lease loss provision to assets | 0.2169% | 4,716 |
| Net operating income to assets | -0.7472% | 6,834 |
| Return on assets (ROA) | -0.7462% | 6,848 |
| Pretax return on assets | -0.6777% | 6,709 |
| Return on Equity (ROE) | -8.0065% | 6,891 |
| Retained earnings to average equity (ytd only) | -8.0065% | 6,816 |
| Net charge-offs to loans | 1.2346% | 1,543 |
| Credit loss provision to net charge-offs | 26.8638% | 5,778 |
| Earnings coverage of net charge-offs (x) | -0.5720% | 6,036 |
| Efficiency ratio | 114.8432% | 482 |
| Assets per employee ($millions) | 3.3973% | 5,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4039% | 4,401 |
| Loan loss allowance to noncurrent loans | 22.2569% | 6,831 |
| Noncurrent assets plus other real estate owned to assets | 7.5986% | 671 |
| Noncurrent loans to loans | 6.3077% | 974 |
| Net loans and leases to total assets | 64.2724% | 4,204 |
| Net loans and leases to deposits | 83.4913% | 2,976 |
| Net loans and leases to core deposits | 90.5071% | 3,189 |
| Total domestic deposits to total assets | 76.9810% | 6,510 |
| Equity capital to assets | 9.5740% | 4,591 |
| Core capital (leverage) ratio | 8.3320% | 5,704 |
| Tier 1 risk-based capital ratio | 12.4606% | 4,899 |
| Total risk-based capital ratio | 13.7116% | 4,873 |
| Memoranda: |
| Average total assets | $192,714,670 | 3,264 |
| Average earning assets | $174,960,000 | 3,257 |
| Average equity | $17,960,330 | 3,473 |
| Average total loans | $126,029,330 | 3,277 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8441% | 5,707 |
| Cost of funding earning assets | 1.8808% | 1,531 |
| Net interest margin | 2.9633% | 6,910 |
| Noninterest income to average assets | 0.2617% | 6,055 |
| Noninterest expense to average assets | 3.0422% | 3,511 |
| Loan and lease loss provision to assets | 0.4273% | 2,821 |
| Net operating income to assets | -0.6195% | 6,913 |
| Return on assets (ROA) | -0.6093% | 6,936 |
| Pretax return on assets | -0.4886% | 6,772 |
| Return on Equity (ROE) | -6.6237% | 6,963 |
| Retained earnings to average equity (ytd only) | -6.6237% | 6,703 |
| Net charge-offs to loans | 0.4370% | 2,739 |
| Credit loss provision to net charge-offs | 149.2857% | 2,393 |
| Earnings coverage of net charge-offs (x) | -0.2500% | 5,181 |
| Efficiency ratio | 102.4088% | 773 |
| Assets per employee ($millions) | 3.6473% | 4,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8386% | 2,613 |
| Loan loss allowance to noncurrent loans | 30.9599% | 6,347 |
| Noncurrent assets plus other real estate owned to assets | 5.9754% | 1,009 |
| Noncurrent loans to loans | 5.9388% | 1,117 |
| Net loans and leases to total assets | 64.8470% | 4,133 |
| Net loans and leases to deposits | 83.3001% | 3,063 |
| Net loans and leases to core deposits | 90.6150% | 3,281 |
| Total domestic deposits to total assets | 77.8474% | 6,357 |
| Equity capital to assets | 9.2800% | 4,863 |
| Core capital (leverage) ratio | 8.2965% | 5,749 |
| Tier 1 risk-based capital ratio | 12.0724% | 5,120 |
| Total risk-based capital ratio | 13.3286% | 5,083 |
| Memoranda: |
| Average total assets | $195,647,000 | 3,279 |
| Average earning assets | $178,857,500 | 3,267 |
| Average equity | $17,996,000 | 3,482 |
| Average total loans | $128,142,500 | 3,296 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1026% | 6,076 |
| Cost of funding earning assets | 2.3311% | 1,530 |
| Net interest margin | 2.7715% | 7,104 |
| Noninterest income to average assets | 0.4220% | 5,037 |
| Noninterest expense to average assets | 2.8957% | 4,542 |
| Loan and lease loss provision to assets | 0.7461% | 2,872 |
| Net operating income to assets | -0.3114% | 5,986 |
| Return on assets (ROA) | -0.2244% | 5,868 |
| Pretax return on assets | -0.5560% | 6,061 |
| Return on Equity (ROE) | -2.4561% | 5,918 |
| Retained earnings to average equity (ytd only) | -4.4123% | 5,929 |
| Net charge-offs to loans | 1.9830% | 1,240 |
| Credit loss provision to net charge-offs | 56.8457% | 6,673 |
| Earnings coverage of net charge-offs (x) | 0.0412% | 6,141 |
| Efficiency ratio | 98.1656% | 1,203 |
| Assets per employee ($millions) | 3.8821% | 4,071 |
| Cash dividends to net income (ytd only)* | -79.6460% | 7,874 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7724% | 2,631 |
| Loan loss allowance to noncurrent loans | 31.5607% | 6,357 |
| Noncurrent assets plus other real estate owned to assets | 5.0797% | 1,201 |
| Noncurrent loans to loans | 5.6159% | 1,144 |
| Net loans and leases to total assets | 63.7942% | 4,638 |
| Net loans and leases to deposits | 81.6206% | 3,674 |
| Net loans and leases to core deposits | 111.2312% | 2,766 |
| Total domestic deposits to total assets | 78.1595% | 6,181 |
| Equity capital to assets | 9.1184% | 4,959 |
| Core capital (leverage) ratio | 8.1064% | 5,979 |
| Tier 1 risk-based capital ratio | 12.0568% | 4,895 |
| Total risk-based capital ratio | 13.3123% | 4,853 |
| Memoranda: |
| Average total assets | $201,438,400 | 3,166 |
| Average earning assets | $183,730,200 | 3,171 |
| Average equity | $18,403,000 | 3,443 |
| Average total loans | $133,335,600 | 3,204 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1314% | 6,167 |
| Cost of funding earning assets | 2.4131% | 1,584 |
| Net interest margin | 2.7184% | 7,187 |
| Noninterest income to average assets | 0.4356% | 4,994 |
| Noninterest expense to average assets | 2.8880% | 4,508 |
| Loan and lease loss provision to assets | 0.6617% | 2,761 |
| Net operating income to assets | -0.2729% | 6,165 |
| Return on assets (ROA) | -0.2050% | 6,082 |
| Pretax return on assets | -0.5319% | 6,336 |
| Return on Equity (ROE) | -2.2426% | 6,129 |
| Retained earnings to average equity (ytd only) | -4.6654% | 6,210 |
| Net charge-offs to loans | 2.4778% | 737 |
| Credit loss provision to net charge-offs | 40.1600% | 6,422 |
| Earnings coverage of net charge-offs (x) | 0.0144% | 6,047 |
| Efficiency ratio | 99.1852% | 1,101 |
| Assets per employee ($millions) | 3.7198% | 4,375 |
| Cash dividends to net income (ytd only)* | -108.0379% | 8,001 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4886% | 3,504 |
| Loan loss allowance to noncurrent loans | 41.3941% | 5,571 |
| Noncurrent assets plus other real estate owned to assets | 3.9961% | 1,602 |
| Noncurrent loans to loans | 3.5961% | 2,073 |
| Net loans and leases to total assets | 63.3876% | 4,996 |
| Net loans and leases to deposits | 80.9967% | 4,198 |
| Net loans and leases to core deposits | 112.3508% | 2,987 |
| Total domestic deposits to total assets | 78.2595% | 6,008 |
| Equity capital to assets | 9.1637% | 5,232 |
| Core capital (leverage) ratio | 8.4103% | 5,652 |
| Tier 1 risk-based capital ratio | 12.3106% | 4,696 |
| Total risk-based capital ratio | 13.5624% | 4,638 |
| Memoranda: |
| Average total assets | $202,301,750 | 3,178 |
| Average earning assets | $184,270,750 | 3,189 |
| Average equity | $18,490,500 | 3,456 |
| Average total loans | $134,524,000 | 3,214 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1655% | 6,208 |
| Cost of funding earning assets | 2.5030% | 1,602 |
| Net interest margin | 2.6625% | 7,280 |
| Noninterest income to average assets | 0.4882% | 4,549 |
| Noninterest expense to average assets | 2.8474% | 4,753 |
| Loan and lease loss provision to assets | 0.6953% | 2,345 |
| Net operating income to assets | -0.2318% | 6,234 |
| Return on assets (ROA) | -0.1302% | 6,097 |
| Pretax return on assets | -0.4744% | 6,399 |
| Return on Equity (ROE) | -1.4256% | 6,134 |
| Retained earnings to average equity (ytd only) | -4.2552% | 6,179 |
| Net charge-offs to loans | 3.2213% | 495 |
| Credit loss provision to net charge-offs | 32.1185% | 6,004 |
| Earnings coverage of net charge-offs (x) | 0.0287% | 5,646 |
| Efficiency ratio | 97.8644% | 1,270 |
| Assets per employee ($millions) | 3.8422% | 3,996 |
| Cash dividends to net income (ytd only)* | -198.4848% | 8,114 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4516% | 3,455 |
| Loan loss allowance to noncurrent loans | 36.7060% | 5,963 |
| Noncurrent assets plus other real estate owned to assets | 3.9963% | 1,488 |
| Noncurrent loans to loans | 3.9548% | 1,723 |
| Net loans and leases to total assets | 64.3408% | 4,914 |
| Net loans and leases to deposits | 82.1729% | 4,197 |
| Net loans and leases to core deposits | 112.6092% | 3,063 |
| Total domestic deposits to total assets | 78.2993% | 5,998 |
| Equity capital to assets | 8.9163% | 5,428 |
| Core capital (leverage) ratio | 8.4212% | 5,578 |
| Tier 1 risk-based capital ratio | 11.5729% | 5,307 |
| Total risk-based capital ratio | 12.8241% | 5,239 |
| Memoranda: |
| Average total assets | $202,779,330 | 3,195 |
| Average earning assets | $184,415,670 | 3,208 |
| Average equity | $18,518,330 | 3,465 |
| Average total loans | $136,282,000 | 3,224 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2409% | 6,154 |
| Cost of funding earning assets | 2.5892% | 1,596 |
| Net interest margin | 2.6517% | 7,292 |
| Noninterest income to average assets | 0.4072% | 5,160 |
| Noninterest expense to average assets | 2.7299% | 4,874 |
| Loan and lease loss provision to assets | 0.6266% | 2,019 |
| Net operating income to assets | -0.2831% | 6,659 |
| Return on assets (ROA) | -0.2451% | 6,688 |
| Pretax return on assets | -0.4606% | 6,792 |
| Return on Equity (ROE) | -2.6525% | 6,738 |
| Retained earnings to average equity (ytd only) | -5.8613% | 6,664 |
| Net charge-offs to loans | 1.8500% | 783 |
| Credit loss provision to net charge-offs | 49.6865% | 4,694 |
| Earnings coverage of net charge-offs (x) | 0.0846% | 4,916 |
| Efficiency ratio | 96.2369% | 1,305 |
| Assets per employee ($millions) | 3.6399% | 4,480 |
| Cash dividends to net income (ytd only)* | -120.9677% | 8,183 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2457% | 1,023 |
| Loan loss allowance to noncurrent loans | 53.2657% | 5,013 |
| Noncurrent assets plus other real estate owned to assets | 3.3355% | 1,638 |
| Noncurrent loans to loans | 4.2161% | 1,403 |
| Net loans and leases to total assets | 66.1790% | 4,548 |
| Net loans and leases to deposits | 84.5568% | 3,887 |
| Net loans and leases to core deposits | 115.6397% | 2,837 |
| Total domestic deposits to total assets | 78.2658% | 5,929 |
| Equity capital to assets | 9.1437% | 5,160 |
| Core capital (leverage) ratio | 9.2715% | 4,285 |
| Tier 1 risk-based capital ratio | 12.9931% | 4,181 |
| Total risk-based capital ratio | 14.2545% | 4,101 |
| Memoranda: |
| Average total assets | $202,349,500 | 3,213 |
| Average earning assets | $185,388,000 | 3,221 |
| Average equity | $18,699,000 | 3,452 |
| Average total loans | $137,946,500 | 3,211 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1305% | 4,896 |
| Cost of funding earning assets | 3.0898% | 1,536 |
| Net interest margin | 3.0407% | 6,813 |
| Noninterest income to average assets | 0.5624% | 4,135 |
| Noninterest expense to average assets | 2.9291% | 4,338 |
| Loan and lease loss provision to assets | 1.1954% | 1,205 |
| Net operating income to assets | -0.4356% | 6,860 |
| Return on assets (ROA) | -1.0987% | 7,227 |
| Pretax return on assets | -1.7825% | 7,370 |
| Return on Equity (ROE) | -12.5119% | 7,462 |
| Retained earnings to average equity (ytd only) | -15.1525% | 7,469 |
| Net charge-offs to loans | 0.9040% | 1,372 |
| Credit loss provision to net charge-offs | 188.2673% | 2,628 |
| Earnings coverage of net charge-offs (x) | 0.7071% | 5,799 |
| Efficiency ratio | 86.7095% | 1,784 |
| Assets per employee ($millions) | 3.6521% | 4,279 |
| Cash dividends to net income (ytd only)* | -21.1046% | 7,945 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4801% | 695 |
| Loan loss allowance to noncurrent loans | 102.9500% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 2.2712% | 2,144 |
| Noncurrent loans to loans | 2.4090% | 2,273 |
| Net loans and leases to total assets | 66.9498% | 4,648 |
| Net loans and leases to deposits | 85.9147% | 4,131 |
| Net loans and leases to core deposits | 113.6841% | 3,376 |
| Total domestic deposits to total assets | 77.9259% | 5,738 |
| Equity capital to assets | 9.3397% | 4,884 |
| Core capital (leverage) ratio | 9.0441% | 4,677 |
| Tier 1 risk-based capital ratio | 12.6850% | 4,300 |
| Total risk-based capital ratio | 13.9489% | 4,209 |
| Memoranda: |
| Average total assets | $202,692,800 | 3,108 |
| Average earning assets | $187,684,000 | 3,073 |
| Average equity | $17,799,000 | 3,589 |
| Average total loans | $142,363,400 | 3,052 |
