| 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 | 5.4186% | 1,280 |
| Cost of funding earning assets | 1.6585% | 1,542 |
| Net interest margin | 3.7601% | 1,627 |
| Noninterest income to average assets | 1.3600% | 440 |
| Noninterest expense to average assets | 3.4191% | 641 |
| Loan and lease loss provision to assets | 0.1900% | 662 |
| Net operating income to assets | 1.2583% | 1,527 |
| Return on assets (ROA) | 1.2638% | 1,483 |
| Pretax return on assets | 1.2878% | 1,904 |
| Return on Equity (ROE) | 13.4100% | 1,626 |
| Retained earnings to average equity (ytd only) | 6.2596% | 2,147 |
| Net charge-offs to loans | -0.0007% | 3,574 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 69.2908% | 1,980 |
| Assets per employee ($millions) | 5.5105% | 3,246 |
| Cash dividends to net income (ytd only)* | 53.3059% | 1,475 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1797% | 2,407 |
| Loan loss allowance to noncurrent loans | 371.7825% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.2663% | 1,894 |
| Noncurrent loans to loans | 0.3173% | 2,049 |
| Net loans and leases to total assets | 81.3000% | 500 |
| Net loans and leases to deposits | 94.0911% | 932 |
| Net loans and leases to core deposits | 108.9206% | 998 |
| Total domestic deposits to total assets | 86.4100% | 1,888 |
| Equity capital to assets | 9.3557% | 2,450 |
| Core capital (leverage) ratio | 9.3327% | 3,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $500,248,400 | 1,723 |
| Average earning assets | $470,913,600 | 1,707 |
| Average equity | $47,159,400 | 1,674 |
| Average total loans | $429,131,800 | 1,398 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2194% | 1,420 |
| Cost of funding earning assets | 1.4601% | 1,708 |
| Net interest margin | 3.7592% | 1,669 |
| Noninterest income to average assets | 1.3500% | 444 |
| Noninterest expense to average assets | 3.3784% | 648 |
| Loan and lease loss provision to assets | 0.2200% | 486 |
| Net operating income to assets | 1.2734% | 1,600 |
| Return on assets (ROA) | 1.2777% | 1,580 |
| Pretax return on assets | 1.3024% | 2,038 |
| Return on Equity (ROE) | 13.5200% | 1,794 |
| Retained earnings to average equity (ytd only) | 5.1641% | 2,879 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.4408% | 1,968 |
| Assets per employee ($millions) | 5.3170% | 3,335 |
| Cash dividends to net income (ytd only)* | 61.8158% | 885 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1697% | 2,517 |
| Loan loss allowance to noncurrent loans | 250.9498% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.3955% | 1,460 |
| Noncurrent loans to loans | 0.4661% | 1,656 |
| Net loans and leases to total assets | 82.7000% | 383 |
| Net loans and leases to deposits | 95.7648% | 769 |
| Net loans and leases to core deposits | 111.1815% | 827 |
| Total domestic deposits to total assets | 86.3600% | 2,080 |
| Equity capital to assets | 9.0847% | 2,373 |
| Core capital (leverage) ratio | 9.4605% | 3,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $486,170,250 | 1,759 |
| Average earning assets | $457,848,750 | 1,740 |
| Average equity | $45,931,750 | 1,695 |
| Average total loans | $421,938,750 | 1,410 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0567% | 1,447 |
| Cost of funding earning assets | 1.2614% | 1,820 |
| Net interest margin | 3.7953% | 1,638 |
| Noninterest income to average assets | 1.3200% | 378 |
| Noninterest expense to average assets | 3.3336% | 666 |
| Loan and lease loss provision to assets | 0.2800% | 330 |
| Net operating income to assets | 1.2557% | 1,682 |
| Return on assets (ROA) | 1.2598% | 1,656 |
| Pretax return on assets | 1.2852% | 2,124 |
| Return on Equity (ROE) | 13.1500% | 1,868 |
| Retained earnings to average equity (ytd only) | 3.8762% | 3,237 |
| Net charge-offs to loans | 0.0034% | 2,197 |
| Credit loss provision to net charge-offs | 6,885.7143% | 86 |
| Earnings coverage of net charge-offs (x) | 528.2857% | 280 |
| Efficiency ratio | 67.4555% | 2,053 |
| Assets per employee ($millions) | 5.1077% | 3,499 |
| Cash dividends to net income (ytd only)* | 70.5171% | 736 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1633% | 2,637 |
| Loan loss allowance to noncurrent loans | 356.5847% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.2939% | 1,742 |
| Noncurrent loans to loans | 0.3262% | 1,964 |
| Net loans and leases to total assets | 87.2000% | 110 |
| Net loans and leases to deposits | 107.7716% | 254 |
| Net loans and leases to core deposits | 112.8450% | 718 |
| Total domestic deposits to total assets | 80.9100% | 3,442 |
| Equity capital to assets | 9.8275% | 1,959 |
| Core capital (leverage) ratio | 9.9501% | 2,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $472,766,333 | 1,792 |
| Average earning assets | $445,232,667 | 1,769 |
| Average equity | $45,302,333 | 1,716 |
| Average total loans | $415,761,667 | 1,411 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8964% | 1,418 |
| Cost of funding earning assets | 1.0868% | 1,786 |
| Net interest margin | 3.8096% | 1,670 |
| Noninterest income to average assets | 1.3300% | 377 |
| Noninterest expense to average assets | 3.3469% | 656 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | 1.3832% | 1,452 |
| Return on assets (ROA) | 1.3874% | 1,411 |
| Pretax return on assets | 1.4130% | 1,858 |
| Return on Equity (ROE) | 14.6700% | 1,630 |
| Retained earnings to average equity (ytd only) | 3.5797% | 3,375 |
| Net charge-offs to loans | -0.0058% | 3,688 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.3943% | 2,049 |
| Assets per employee ($millions) | 5.3816% | 3,336 |
| Cash dividends to net income (ytd only)* | 75.5993% | 706 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1180% | 2,965 |
| Loan loss allowance to noncurrent loans | 454.4103% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.2217% | 2,021 |
| Noncurrent loans to loans | 0.2460% | 2,267 |
| Net loans and leases to total assets | 86.6100% | 115 |
| Net loans and leases to deposits | 102.6143% | 342 |
| Net loans and leases to core deposits | 107.8138% | 763 |
| Total domestic deposits to total assets | 84.4000% | 2,998 |
| Equity capital to assets | 10.0173% | 1,816 |
| Core capital (leverage) ratio | 10.0119% | 2,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $469,087,500 | 1,822 |
| Average earning assets | $442,040,000 | 1,798 |
| Average equity | $44,361,500 | 1,756 |
| Average total loans | $411,837,000 | 1,442 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6070% | 606 |
| Cost of funding earning assets | 0.3496% | 2,477 |
| Net interest margin | 4.2573% | 463 |
| Noninterest income to average assets | 1.5100% | 342 |
| Noninterest expense to average assets | 3.6527% | 431 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.7002% | 539 |
| Return on assets (ROA) | 1.6916% | 517 |
| Pretax return on assets | 1.7101% | 897 |
| Return on Equity (ROE) | 17.6400% | 761 |
| Retained earnings to average equity (ytd only) | 8.2872% | 1,727 |
| Net charge-offs to loans | 0.0008% | 2,557 |
| Credit loss provision to net charge-offs | 21,833.3333% | 32 |
| Earnings coverage of net charge-offs (x) | 2,661.6667% | 57 |
| Efficiency ratio | 65.4486% | 2,299 |
| Assets per employee ($millions) | 5.3406% | 3,373 |
| Cash dividends to net income (ytd only)* | 53.0219% | 1,267 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0283% | 3,211 |
| Loan loss allowance to noncurrent loans | 705.3068% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.1343% | 2,584 |
| Noncurrent loans to loans | 0.1458% | 2,784 |
| Net loans and leases to total assets | 87.1000% | 101 |
| Net loans and leases to deposits | 107.3368% | 214 |
| Net loans and leases to core deposits | 111.9177% | 547 |
| Total domestic deposits to total assets | 81.1400% | 3,739 |
| Equity capital to assets | 8.8988% | 2,417 |
| Core capital (leverage) ratio | 9.3192% | 3,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $426,456,800 | 1,931 |
| Average earning assets | $401,846,800 | 1,913 |
| Average equity | $40,894,600 | 1,890 |
| Average total loans | $359,710,400 | 1,516 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3646% | 627 |
| Cost of funding earning assets | 0.2166% | 3,075 |
| Net interest margin | 4.1480% | 470 |
| Noninterest income to average assets | 1.5300% | 355 |
| Noninterest expense to average assets | 3.5311% | 475 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 1.7709% | 454 |
| Return on assets (ROA) | 1.7585% | 452 |
| Pretax return on assets | 1.7768% | 770 |
| Return on Equity (ROE) | 17.9700% | 644 |
| Retained earnings to average equity (ytd only) | 10.3155% | 1,249 |
| Net charge-offs to loans | 0.0031% | 2,124 |
| Credit loss provision to net charge-offs | 4,737.5000% | 116 |
| Earnings coverage of net charge-offs (x) | 744.5000% | 220 |
| Efficiency ratio | 64.1846% | 2,521 |
| Assets per employee ($millions) | 5.2871% | 3,430 |
| Cash dividends to net income (ytd only)* | 42.6017% | 1,476 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0520% | 3,241 |
| Loan loss allowance to noncurrent loans | 432.2089% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.2187% | 2,144 |
| Noncurrent loans to loans | 0.2434% | 2,409 |
| Net loans and leases to total assets | 86.1700% | 109 |
| Net loans and leases to deposits | 104.8958% | 218 |
| Net loans and leases to core deposits | 108.4973% | 517 |
| Total domestic deposits to total assets | 82.1500% | 3,817 |
| Equity capital to assets | 9.5157% | 1,874 |
| Core capital (leverage) ratio | 9.6510% | 2,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $415,577,000 | 1,979 |
| Average earning assets | $391,469,250 | 1,957 |
| Average equity | $40,662,750 | 1,924 |
| Average total loans | $346,242,500 | 1,552 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1497% | 701 |
| Cost of funding earning assets | 0.1336% | 3,792 |
| Net interest margin | 4.0161% | 478 |
| Noninterest income to average assets | 1.5386% | 326 |
| Noninterest expense to average assets | 3.5211% | 437 |
| Loan and lease loss provision to assets | 0.0933% | 1,065 |
| Net operating income to assets | 1.6890% | 438 |
| Return on assets (ROA) | 1.6836% | 439 |
| Pretax return on assets | 1.7046% | 746 |
| Return on Equity (ROE) | 17.0417% | 566 |
| Retained earnings to average equity (ytd only) | 7.4780% | 1,823 |
| Net charge-offs to loans | -0.0006% | 2,993 |
| Credit loss provision to net charge-offs | -19,100.0000% | 3,884 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3980% | 2,597 |
| Assets per employee ($millions) | 5.0794% | 3,607 |
| Cash dividends to net income (ytd only)* | 56.1195% | 1,174 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0373% | 3,434 |
| Loan loss allowance to noncurrent loans | 432.4971% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.2080% | 2,278 |
| Noncurrent loans to loans | 0.2398% | 2,521 |
| Net loans and leases to total assets | 85.8376% | 93 |
| Net loans and leases to deposits | 101.7932% | 216 |
| Net loans and leases to core deposits | 103.5591% | 528 |
| Total domestic deposits to total assets | 84.3255% | 3,619 |
| Equity capital to assets | 9.6082% | 1,934 |
| Core capital (leverage) ratio | 9.5522% | 2,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $409,587,667 | 2,013 |
| Average earning assets | $386,099,000 | 1,997 |
| Average equity | $40,465,333 | 1,977 |
| Average total loans | $335,806,000 | 1,581 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0407% | 714 |
| Cost of funding earning assets | 0.1094% | 4,026 |
| Net interest margin | 3.9313% | 467 |
| Noninterest income to average assets | 1.5114% | 351 |
| Noninterest expense to average assets | 3.6057% | 387 |
| Loan and lease loss provision to assets | 0.0743% | 1,111 |
| Net operating income to assets | 1.5065% | 624 |
| Return on assets (ROA) | 1.5055% | 615 |
| Pretax return on assets | 1.5332% | 953 |
| Return on Equity (ROE) | 15.0231% | 649 |
| Retained earnings to average equity (ytd only) | 4.7374% | 2,687 |
| Net charge-offs to loans | -0.0025% | 3,144 |
| Credit loss provision to net charge-offs | -3,750.0000% | 3,474 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8958% | 2,520 |
| Assets per employee ($millions) | 4.9335% | 3,807 |
| Cash dividends to net income (ytd only)* | 68.4661% | 886 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1155% | 3,262 |
| Loan loss allowance to noncurrent loans | 420.8238% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.2201% | 2,321 |
| Noncurrent loans to loans | 0.2651% | 2,524 |
| Net loans and leases to total assets | 78.6722% | 325 |
| Net loans and leases to deposits | 87.6643% | 637 |
| Net loans and leases to core deposits | 89.1166% | 963 |
| Total domestic deposits to total assets | 89.7426% | 1,696 |
| Equity capital to assets | 9.6713% | 2,160 |
| Core capital (leverage) ratio | 9.4686% | 2,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $403,587,500 | 2,040 |
| Average earning assets | $380,128,500 | 2,029 |
| Average equity | $40,444,500 | 2,036 |
| Average total loans | $320,872,000 | 1,618 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5246% | 582 |
| Cost of funding earning assets | 0.2739% | 2,666 |
| Net interest margin | 4.2507% | 448 |
| Noninterest income to average assets | 2.5454% | 228 |
| Noninterest expense to average assets | 4.0373% | 279 |
| Loan and lease loss provision to assets | 0.1087% | 1,160 |
| Net operating income to assets | 2.4239% | 175 |
| Return on assets (ROA) | 2.4327% | 177 |
| Pretax return on assets | 2.4448% | 275 |
| Return on Equity (ROE) | 22.8306% | 182 |
| Retained earnings to average equity (ytd only) | 4.5567% | 2,984 |
| Net charge-offs to loans | -0.0012% | 3,302 |
| Credit loss provision to net charge-offs | -10,766.6667% | 4,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6840% | 3,048 |
| Assets per employee ($millions) | 4.1132% | 4,378 |
| Cash dividends to net income (ytd only)* | 80.0415% | 504 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4181% | 1,850 |
| Loan loss allowance to noncurrent loans | 302.6050% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.4075% | 1,607 |
| Noncurrent loans to loans | 0.4686% | 1,959 |
| Net loans and leases to total assets | 85.7203% | 70 |
| Net loans and leases to deposits | 96.3394% | 300 |
| Net loans and leases to core deposits | 97.8207% | 623 |
| Total domestic deposits to total assets | 88.9774% | 1,529 |
| Equity capital to assets | 10.2066% | 2,462 |
| Core capital (leverage) ratio | 9.2504% | 3,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $297,202,400 | 2,441 |
| Average earning assets | $282,232,800 | 2,421 |
| Average equity | $31,668,000 | 2,439 |
| Average total loans | $241,504,000 | 1,985 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5142% | 654 |
| Cost of funding earning assets | 0.2870% | 2,726 |
| Net interest margin | 4.2272% | 515 |
| Noninterest income to average assets | 2.5492% | 240 |
| Noninterest expense to average assets | 3.9982% | 284 |
| Loan and lease loss provision to assets | 0.1075% | 1,123 |
| Net operating income to assets | 2.4451% | 232 |
| Return on assets (ROA) | 2.4531% | 232 |
| Pretax return on assets | 2.4652% | 356 |
| Return on Equity (ROE) | 22.7879% | 260 |
| Retained earnings to average equity (ytd only) | 18.7340% | 172 |
| Net charge-offs to loans | 0.0006% | 2,436 |
| Credit loss provision to net charge-offs | 24,100.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 5,742.0000% | 22 |
| Efficiency ratio | 60.2668% | 2,947 |
| Assets per employee ($millions) | 4.1078% | 4,384 |
| Cash dividends to net income (ytd only)* | 17.7895% | 2,637 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4228% | 1,927 |
| Loan loss allowance to noncurrent loans | 281.6506% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.5572% | 1,382 |
| Noncurrent loans to loans | 0.5051% | 2,044 |
| Net loans and leases to total assets | 82.3436% | 173 |
| Net loans and leases to deposits | 93.8454% | 422 |
| Net loans and leases to core deposits | 95.1566% | 786 |
| Total domestic deposits to total assets | 87.7439% | 1,978 |
| Equity capital to assets | 11.1938% | 1,896 |
| Core capital (leverage) ratio | 9.5646% | 2,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $298,493,750 | 2,466 |
| Average earning assets | $283,425,000 | 2,437 |
| Average equity | $32,133,250 | 2,451 |
| Average total loans | $238,396,000 | 2,036 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4431% | 801 |
| Cost of funding earning assets | 0.3083% | 2,696 |
| Net interest margin | 4.1348% | 650 |
| Noninterest income to average assets | 2.0213% | 322 |
| Noninterest expense to average assets | 4.0414% | 280 |
| Loan and lease loss provision to assets | 0.0681% | 1,689 |
| Net operating income to assets | 1.8237% | 678 |
| Return on assets (ROA) | 1.8336% | 696 |
| Pretax return on assets | 1.8457% | 1,133 |
| Return on Equity (ROE) | 17.2594% | 744 |
| Retained earnings to average equity (ytd only) | 13.7887% | 581 |
| Net charge-offs to loans | -0.0085% | 3,614 |
| Credit loss provision to net charge-offs | -1,020.0000% | 3,666 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2584% | 1,974 |
| Assets per employee ($millions) | 4.5954% | 4,023 |
| Cash dividends to net income (ytd only)* | 20.1093% | 2,509 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4192% | 1,892 |
| Loan loss allowance to noncurrent loans | 266.4831% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.8003% | 1,011 |
| Noncurrent loans to loans | 0.5326% | 2,076 |
| Net loans and leases to total assets | 72.1066% | 954 |
| Net loans and leases to deposits | 82.4313% | 1,186 |
| Net loans and leases to core deposits | 83.2383% | 1,622 |
| Total domestic deposits to total assets | 87.4748% | 2,105 |
| Equity capital to assets | 10.0597% | 2,801 |
| Core capital (leverage) ratio | 9.8908% | 2,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $299,404,333 | 2,459 |
| Average earning assets | $284,126,333 | 2,424 |
| Average equity | $31,808,667 | 2,457 |
| Average total loans | $235,509,333 | 2,060 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5193% | 754 |
| Cost of funding earning assets | 0.3223% | 2,778 |
| Net interest margin | 4.1970% | 600 |
| Noninterest income to average assets | 2.1093% | 348 |
| Noninterest expense to average assets | 3.9137% | 306 |
| Loan and lease loss provision to assets | 0.1161% | 1,180 |
| Net operating income to assets | 2.0381% | 544 |
| Return on assets (ROA) | 2.0534% | 568 |
| Pretax return on assets | 2.0659% | 850 |
| Return on Equity (ROE) | 18.7592% | 648 |
| Retained earnings to average equity (ytd only) | 13.3027% | 859 |
| Net charge-offs to loans | -0.0120% | 3,745 |
| Credit loss provision to net charge-offs | -1,185.7143% | 3,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6301% | 2,514 |
| Assets per employee ($millions) | 4.1735% | 4,361 |
| Cash dividends to net income (ytd only)* | 29.0872% | 1,744 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4540% | 1,757 |
| Loan loss allowance to noncurrent loans | 250.3720% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.9058% | 948 |
| Noncurrent loans to loans | 0.5807% | 2,117 |
| Net loans and leases to total assets | 76.9677% | 540 |
| Net loans and leases to deposits | 88.3030% | 805 |
| Net loans and leases to core deposits | 89.1647% | 1,276 |
| Total domestic deposits to total assets | 87.1632% | 2,246 |
| Equity capital to assets | 10.7148% | 2,069 |
| Core capital (leverage) ratio | 10.1193% | 2,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $285,971,000 | 2,511 |
| Average earning assets | $270,572,000 | 2,489 |
| Average equity | $31,302,000 | 2,475 |
| Average total loans | $233,939,000 | 2,074 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6413% | 1,014 |
| Cost of funding earning assets | 0.4279% | 3,416 |
| Net interest margin | 4.2134% | 617 |
| Noninterest income to average assets | 2.1630% | 303 |
| Noninterest expense to average assets | 4.2342% | 303 |
| Loan and lease loss provision to assets | 0.2507% | 1,542 |
| Net operating income to assets | 1.6281% | 605 |
| Return on assets (ROA) | 1.6258% | 656 |
| Pretax return on assets | 1.6394% | 981 |
| Return on Equity (ROE) | 13.9288% | 832 |
| Retained earnings to average equity (ytd only) | 7.3580% | 1,253 |
| Net charge-offs to loans | 0.0135% | 2,860 |
| Credit loss provision to net charge-offs | 2,220.6897% | 409 |
| Earnings coverage of net charge-offs (x) | 167.6207% | 524 |
| Efficiency ratio | 68.3675% | 2,187 |
| Assets per employee ($millions) | 4.1761% | 4,229 |
| Cash dividends to net income (ytd only)* | 47.1743% | 1,997 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3851% | 2,024 |
| Loan loss allowance to noncurrent loans | 239.9267% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.9814% | 981 |
| Noncurrent loans to loans | 0.5773% | 2,254 |
| Net loans and leases to total assets | 84.5967% | 146 |
| Net loans and leases to deposits | 98.0534% | 458 |
| Net loans and leases to core deposits | 99.0931% | 950 |
| Total domestic deposits to total assets | 86.2762% | 2,240 |
| Equity capital to assets | 11.1943% | 2,107 |
| Core capital (leverage) ratio | 10.1131% | 2,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $256,860,400 | 2,531 |
| Average earning assets | $241,632,800 | 2,519 |
| Average equity | $29,981,000 | 2,475 |
| Average total loans | $215,055,400 | 2,137 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5863% | 1,350 |
| Cost of funding earning assets | 0.4538% | 3,505 |
| Net interest margin | 4.1325% | 840 |
| Noninterest income to average assets | 2.0599% | 310 |
| Noninterest expense to average assets | 4.1156% | 343 |
| Loan and lease loss provision to assets | 0.1440% | 2,580 |
| Net operating income to assets | 1.6723% | 615 |
| Return on assets (ROA) | 1.6676% | 693 |
| Pretax return on assets | 1.6814% | 1,001 |
| Return on Equity (ROE) | 14.1292% | 859 |
| Retained earnings to average equity (ytd only) | 10.2766% | 706 |
| Net charge-offs to loans | -0.0095% | 4,217 |
| Credit loss provision to net charge-offs | -1,813.3333% | 4,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4660% | 2,118 |
| Assets per employee ($millions) | 3.9374% | 4,367 |
| Cash dividends to net income (ytd only)* | 27.2670% | 2,485 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2950% | 2,180 |
| Loan loss allowance to noncurrent loans | 187.8266% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 1.0406% | 1,049 |
| Noncurrent loans to loans | 0.6895% | 2,068 |
| Net loans and leases to total assets | 80.3496% | 581 |
| Net loans and leases to deposits | 93.1497% | 996 |
| Net loans and leases to core deposits | 94.2531% | 1,623 |
| Total domestic deposits to total assets | 86.2586% | 1,955 |
| Equity capital to assets | 11.0872% | 2,335 |
| Core capital (leverage) ratio | 10.2658% | 2,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $252,169,750 | 2,547 |
| Average earning assets | $237,105,000 | 2,528 |
| Average equity | $29,762,750 | 2,487 |
| Average total loans | $209,708,500 | 2,167 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7086% | 1,386 |
| Cost of funding earning assets | 0.5021% | 3,523 |
| Net interest margin | 4.2066% | 905 |
| Noninterest income to average assets | 1.9560% | 301 |
| Noninterest expense to average assets | 4.1022% | 370 |
| Loan and lease loss provision to assets | 0.1432% | 2,583 |
| Net operating income to assets | 1.6482% | 680 |
| Return on assets (ROA) | 1.6409% | 758 |
| Pretax return on assets | 1.6540% | 1,097 |
| Return on Equity (ROE) | 13.5868% | 958 |
| Retained earnings to average equity (ytd only) | 10.8613% | 627 |
| Net charge-offs to loans | -0.0079% | 4,141 |
| Credit loss provision to net charge-offs | -2,175.0000% | 3,915 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7099% | 2,138 |
| Assets per employee ($millions) | 3.7491% | 4,510 |
| Cash dividends to net income (ytd only)* | 20.0602% | 2,737 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3133% | 1,936 |
| Loan loss allowance to noncurrent loans | 179.3060% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 1.1307% | 999 |
| Noncurrent loans to loans | 0.7325% | 2,046 |
| Net loans and leases to total assets | 82.5514% | 364 |
| Net loans and leases to deposits | 96.5333% | 753 |
| Net loans and leases to core deposits | 98.1181% | 1,400 |
| Total domestic deposits to total assets | 85.5159% | 2,195 |
| Equity capital to assets | 11.7136% | 1,827 |
| Core capital (leverage) ratio | 10.7713% | 2,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $243,041,000 | 2,589 |
| Average earning assets | $228,261,000 | 2,565 |
| Average equity | $29,352,000 | 2,501 |
| Average total loans | $203,755,000 | 2,191 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8433% | 1,323 |
| Cost of funding earning assets | 0.5798% | 3,535 |
| Net interest margin | 4.2635% | 819 |
| Noninterest income to average assets | 2.0526% | 260 |
| Noninterest expense to average assets | 4.2463% | 396 |
| Loan and lease loss provision to assets | 0.0867% | 2,605 |
| Net operating income to assets | 1.7088% | 506 |
| Return on assets (ROA) | 1.6853% | 581 |
| Pretax return on assets | 1.6972% | 862 |
| Return on Equity (ROE) | 13.7272% | 755 |
| Retained earnings to average equity (ytd only) | 12.3420% | 388 |
| Net charge-offs to loans | -0.0122% | 4,144 |
| Credit loss provision to net charge-offs | -833.3333% | 3,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4382% | 2,443 |
| Assets per employee ($millions) | 3.4430% | 4,530 |
| Cash dividends to net income (ytd only)* | 10.0908% | 2,485 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3801% | 1,771 |
| Loan loss allowance to noncurrent loans | 181.1875% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 1.2126% | 1,019 |
| Noncurrent loans to loans | 0.7617% | 2,093 |
| Net loans and leases to total assets | 82.8939% | 362 |
| Net loans and leases to deposits | 97.6660% | 758 |
| Net loans and leases to core deposits | 99.8328% | 1,483 |
| Total domestic deposits to total assets | 84.8749% | 2,455 |
| Equity capital to assets | 12.5786% | 1,686 |
| Core capital (leverage) ratio | 11.1092% | 2,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $235,216,000 | 2,595 |
| Average earning assets | $220,760,000 | 2,568 |
| Average equity | $28,877,000 | 2,524 |
| Average total loans | $197,435,000 | 2,207 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6151% | 2,558 |
| Cost of funding earning assets | 0.5554% | 3,845 |
| Net interest margin | 4.0597% | 1,650 |
| Noninterest income to average assets | 1.8204% | 303 |
| Noninterest expense to average assets | 3.8814% | 607 |
| Loan and lease loss provision to assets | 0.1445% | 1,481 |
| Net operating income to assets | 1.6176% | 802 |
| Return on assets (ROA) | 1.6340% | 816 |
| Pretax return on assets | 1.6412% | 1,361 |
| Return on Equity (ROE) | 15.0843% | 680 |
| Retained earnings to average equity (ytd only) | 8.9238% | 727 |
| Net charge-offs to loans | 0.0413% | 2,563 |
| Credit loss provision to net charge-offs | 464.1026% | 625 |
| Earnings coverage of net charge-offs (x) | 56.8333% | 1,021 |
| Efficiency ratio | 67.9828% | 2,460 |
| Assets per employee ($millions) | 3.4751% | 4,499 |
| Cash dividends to net income (ytd only)* | 40.8403% | 2,558 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3429% | 1,734 |
| Loan loss allowance to noncurrent loans | 197.4759% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 1.1371% | 1,054 |
| Noncurrent loans to loans | 0.6800% | 2,184 |
| Net loans and leases to total assets | 82.6969% | 466 |
| Net loans and leases to deposits | 97.0086% | 839 |
| Net loans and leases to core deposits | 99.1698% | 1,633 |
| Total domestic deposits to total assets | 85.2470% | 2,397 |
| Equity capital to assets | 11.9777% | 2,146 |
| Core capital (leverage) ratio | 10.7811% | 2,692 |
| Tier 1 risk-based capital ratio | 12.7900% | 3,900 |
| Total risk-based capital ratio | 14.0407% | 3,795 |
| Memoranda: |
| Average total assets | $250,551,600 | 2,461 |
| Average earning assets | $236,398,600 | 2,433 |
| Average equity | $27,140,800 | 2,551 |
| Average total loans | $188,946,200 | 2,245 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5257% | 2,972 |
| Cost of funding earning assets | 0.5499% | 3,927 |
| Net interest margin | 3.9759% | 2,033 |
| Noninterest income to average assets | 1.6848% | 344 |
| Noninterest expense to average assets | 3.6928% | 756 |
| Loan and lease loss provision to assets | 0.1128% | 1,736 |
| Net operating income to assets | 1.6276% | 870 |
| Return on assets (ROA) | 1.6491% | 872 |
| Pretax return on assets | 1.6564% | 1,451 |
| Return on Equity (ROE) | 15.6073% | 671 |
| Retained earnings to average equity (ytd only) | 11.7588% | 413 |
| Net charge-offs to loans | 0.0343% | 2,386 |
| Credit loss provision to net charge-offs | 447.9167% | 698 |
| Earnings coverage of net charge-offs (x) | 69.3941% | 958 |
| Efficiency ratio | 67.1521% | 2,557 |
| Assets per employee ($millions) | 3.4938% | 4,506 |
| Cash dividends to net income (ytd only)* | 24.6580% | 2,837 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3428% | 1,790 |
| Loan loss allowance to noncurrent loans | 209.4728% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 1.0911% | 1,200 |
| Noncurrent loans to loans | 0.6411% | 2,367 |
| Net loans and leases to total assets | 79.8140% | 869 |
| Net loans and leases to deposits | 92.5616% | 1,367 |
| Net loans and leases to core deposits | 94.6152% | 2,121 |
| Total domestic deposits to total assets | 86.2280% | 1,893 |
| Equity capital to assets | 12.0761% | 2,198 |
| Core capital (leverage) ratio | 10.7131% | 2,927 |
| Tier 1 risk-based capital ratio | 13.2781% | 3,697 |
| Total risk-based capital ratio | 14.5289% | 3,604 |
| Memoranda: |
| Average total assets | $254,113,250 | 2,455 |
| Average earning assets | $240,043,250 | 2,428 |
| Average equity | $26,850,000 | 2,584 |
| Average total loans | $186,663,500 | 2,286 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3798% | 3,386 |
| Cost of funding earning assets | 0.5298% | 3,989 |
| Net interest margin | 3.8501% | 2,408 |
| Noninterest income to average assets | 1.5545% | 380 |
| Noninterest expense to average assets | 3.5208% | 933 |
| Loan and lease loss provision to assets | 0.1104% | 1,692 |
| Net operating income to assets | 1.5614% | 988 |
| Return on assets (ROA) | 1.5883% | 977 |
| Pretax return on assets | 1.5952% | 1,559 |
| Return on Equity (ROE) | 15.7029% | 641 |
| Retained earnings to average equity (ytd only) | 11.9117% | 416 |
| Net charge-offs to loans | 0.0495% | 1,939 |
| Credit loss provision to net charge-offs | 313.0435% | 870 |
| Earnings coverage of net charge-offs (x) | 47.5870% | 1,133 |
| Efficiency ratio | 66.9764% | 2,687 |
| Assets per employee ($millions) | 3.6542% | 4,309 |
| Cash dividends to net income (ytd only)* | 24.1429% | 2,869 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3122% | 1,959 |
| Loan loss allowance to noncurrent loans | 214.3847% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 1.1032% | 1,231 |
| Noncurrent loans to loans | 0.6121% | 2,428 |
| Net loans and leases to total assets | 79.5617% | 949 |
| Net loans and leases to deposits | 91.8379% | 1,507 |
| Net loans and leases to core deposits | 98.5420% | 1,838 |
| Total domestic deposits to total assets | 86.6327% | 1,759 |
| Equity capital to assets | 11.7198% | 2,422 |
| Core capital (leverage) ratio | 10.0393% | 3,546 |
| Tier 1 risk-based capital ratio | 13.1683% | 3,749 |
| Total risk-based capital ratio | 14.4187% | 3,658 |
| Memoranda: |
| Average total assets | $260,790,000 | 2,416 |
| Average earning assets | $246,903,670 | 2,375 |
| Average equity | $26,377,330 | 2,607 |
| Average total loans | $185,760,000 | 2,295 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9986% | 4,367 |
| Cost of funding earning assets | 0.4805% | 4,151 |
| Net interest margin | 3.5182% | 3,549 |
| Noninterest income to average assets | 1.4716% | 401 |
| Noninterest expense to average assets | 3.2321% | 1,424 |
| Loan and lease loss provision to assets | 0.1050% | 1,687 |
| Net operating income to assets | 1.4702% | 1,181 |
| Return on assets (ROA) | 1.5242% | 1,087 |
| Pretax return on assets | 1.5314% | 1,675 |
| Return on Equity (ROE) | 16.1630% | 569 |
| Retained earnings to average equity (ytd only) | 13.0696% | 452 |
| Net charge-offs to loans | -0.0998% | 5,030 |
| Credit loss provision to net charge-offs | -156.5217% | 3,600 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3738% | 2,886 |
| Assets per employee ($millions) | 4.8349% | 2,739 |
| Cash dividends to net income (ytd only)* | 19.1388% | 2,492 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3722% | 1,776 |
| Loan loss allowance to noncurrent loans | 442.1986% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.6284% | 2,201 |
| Noncurrent loans to loans | 0.3103% | 3,454 |
| Net loans and leases to total assets | 57.0394% | 3,984 |
| Net loans and leases to deposits | 63.0315% | 4,241 |
| Net loans and leases to core deposits | 67.3864% | 4,215 |
| Total domestic deposits to total assets | 90.4934% | 293 |
| Equity capital to assets | 8.4075% | 5,039 |
| Core capital (leverage) ratio | 10.3826% | 3,182 |
| Tier 1 risk-based capital ratio | 13.1877% | 3,781 |
| Total risk-based capital ratio | 14.4391% | 3,691 |
| Memoranda: |
| Average total assets | $274,250,000 | 2,347 |
| Average earning assets | $260,589,000 | 2,313 |
| Average equity | $25,861,500 | 2,655 |
| Average total loans | $184,367,500 | 2,322 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5022% | 2,453 |
| Cost of funding earning assets | 0.4694% | 3,556 |
| Net interest margin | 4.0329% | 1,877 |
| Noninterest income to average assets | 1.8680% | 297 |
| Noninterest expense to average assets | 3.8569% | 637 |
| Loan and lease loss provision to assets | 0.2058% | 914 |
| Net operating income to assets | 1.5899% | 895 |
| Return on assets (ROA) | 1.5899% | 883 |
| Pretax return on assets | 1.5978% | 1,475 |
| Return on Equity (ROE) | 14.7412% | 888 |
| Retained earnings to average equity (ytd only) | 8.0628% | 1,204 |
| Net charge-offs to loans | 0.0634% | 2,213 |
| Credit loss provision to net charge-offs | 419.6429% | 795 |
| Earnings coverage of net charge-offs (x) | 36.7768% | 1,407 |
| Efficiency ratio | 67.3629% | 2,645 |
| Assets per employee ($millions) | 3.6036% | 4,445 |
| Cash dividends to net income (ytd only)* | 45.3043% | 2,232 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2707% | 2,187 |
| Loan loss allowance to noncurrent loans | 337.0213% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.9038% | 1,534 |
| Noncurrent loans to loans | 0.3770% | 3,185 |
| Net loans and leases to total assets | 78.8143% | 1,135 |
| Net loans and leases to deposits | 90.2151% | 1,768 |
| Net loans and leases to core deposits | 98.0768% | 1,861 |
| Total domestic deposits to total assets | 87.3626% | 1,604 |
| Equity capital to assets | 10.8016% | 2,883 |
| Core capital (leverage) ratio | 9.9881% | 3,588 |
| Tier 1 risk-based capital ratio | 12.5386% | 4,114 |
| Total risk-based capital ratio | 13.7938% | 3,984 |
| Memoranda: |
| Average total assets | $228,372,400 | 2,626 |
| Average earning assets | $214,760,200 | 2,602 |
| Average equity | $24,631,600 | 2,669 |
| Average total loans | $176,578,400 | 2,359 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4233% | 2,557 |
| Cost of funding earning assets | 0.4440% | 3,571 |
| Net interest margin | 3.9794% | 2,014 |
| Noninterest income to average assets | 1.8116% | 320 |
| Noninterest expense to average assets | 3.7477% | 714 |
| Loan and lease loss provision to assets | 0.1457% | 1,362 |
| Net operating income to assets | 1.6500% | 844 |
| Return on assets (ROA) | 1.6500% | 850 |
| Pretax return on assets | 1.6576% | 1,389 |
| Return on Equity (ROE) | 15.3036% | 824 |
| Retained earnings to average equity (ytd only) | 13.1508% | 342 |
| Net charge-offs to loans | 0.0521% | 2,081 |
| Credit loss provision to net charge-offs | 364.7059% | 867 |
| Earnings coverage of net charge-offs (x) | 45.1346% | 1,251 |
| Efficiency ratio | 66.7196% | 2,760 |
| Assets per employee ($millions) | 3.4547% | 4,616 |
| Cash dividends to net income (ytd only)* | 14.0668% | 3,247 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2133% | 2,547 |
| Loan loss allowance to noncurrent loans | 325.1479% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.9030% | 1,637 |
| Noncurrent loans to loans | 0.3732% | 3,312 |
| Net loans and leases to total assets | 77.3164% | 1,445 |
| Net loans and leases to deposits | 88.9586% | 2,024 |
| Net loans and leases to core deposits | 90.1615% | 2,649 |
| Total domestic deposits to total assets | 86.9128% | 1,771 |
| Equity capital to assets | 11.0308% | 2,635 |
| Core capital (leverage) ratio | 10.4173% | 3,168 |
| Tier 1 risk-based capital ratio | 13.0737% | 3,862 |
| Total risk-based capital ratio | 14.2947% | 3,792 |
| Memoranda: |
| Average total assets | $226,907,250 | 2,649 |
| Average earning assets | $213,227,500 | 2,628 |
| Average equity | $24,464,250 | 2,696 |
| Average total loans | $173,976,750 | 2,399 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3247% | 2,687 |
| Cost of funding earning assets | 0.4260% | 3,531 |
| Net interest margin | 3.8987% | 2,203 |
| Noninterest income to average assets | 1.7170% | 348 |
| Noninterest expense to average assets | 3.7091% | 744 |
| Loan and lease loss provision to assets | 0.1562% | 1,204 |
| Net operating income to assets | 1.5058% | 1,146 |
| Return on assets (ROA) | 1.5058% | 1,142 |
| Pretax return on assets | 1.5138% | 1,767 |
| Return on Equity (ROE) | 14.0781% | 1,058 |
| Retained earnings to average equity (ytd only) | 12.0041% | 516 |
| Net charge-offs to loans | 0.0583% | 1,772 |
| Credit loss provision to net charge-offs | 352.0000% | 900 |
| Earnings coverage of net charge-offs (x) | 37.6400% | 1,340 |
| Efficiency ratio | 68.1293% | 2,623 |
| Assets per employee ($millions) | 3.4706% | 4,634 |
| Cash dividends to net income (ytd only)* | 14.7319% | 3,166 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2394% | 2,491 |
| Loan loss allowance to noncurrent loans | 231.5335% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 1.0220% | 1,472 |
| Noncurrent loans to loans | 0.5353% | 2,813 |
| Net loans and leases to total assets | 74.5862% | 1,852 |
| Net loans and leases to deposits | 85.4563% | 2,381 |
| Net loans and leases to core deposits | 86.6266% | 2,860 |
| Total domestic deposits to total assets | 87.2800% | 1,731 |
| Equity capital to assets | 10.7855% | 2,849 |
| Core capital (leverage) ratio | 10.0001% | 3,580 |
| Tier 1 risk-based capital ratio | 13.0214% | 3,882 |
| Total risk-based capital ratio | 14.2607% | 3,806 |
| Memoranda: |
| Average total assets | $225,389,000 | 2,674 |
| Average earning assets | $211,713,000 | 2,652 |
| Average equity | $24,108,330 | 2,744 |
| Average total loans | $171,583,670 | 2,439 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2540% | 2,694 |
| Cost of funding earning assets | 0.4134% | 3,493 |
| Net interest margin | 3.8406% | 2,259 |
| Noninterest income to average assets | 1.6032% | 384 |
| Noninterest expense to average assets | 3.7306% | 729 |
| Loan and lease loss provision to assets | 0.1843% | 924 |
| Net operating income to assets | 1.2865% | 1,688 |
| Return on assets (ROA) | 1.2865% | 1,693 |
| Pretax return on assets | 1.2954% | 2,383 |
| Return on Equity (ROE) | 12.0790% | 1,555 |
| Retained earnings to average equity (ytd only) | 12.0790% | 672 |
| Net charge-offs to loans | 0.0047% | 2,564 |
| Credit loss provision to net charge-offs | 5,150.0000% | 62 |
| Earnings coverage of net charge-offs (x) | 413.5000% | 161 |
| Efficiency ratio | 70.7418% | 2,383 |
| Assets per employee ($millions) | 3.5467% | 4,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2360% | 2,602 |
| Loan loss allowance to noncurrent loans | 311.6176% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.9587% | 1,651 |
| Noncurrent loans to loans | 0.3966% | 3,366 |
| Net loans and leases to total assets | 75.7800% | 1,573 |
| Net loans and leases to deposits | 86.6501% | 2,086 |
| Net loans and leases to core deposits | 88.1041% | 2,622 |
| Total domestic deposits to total assets | 87.4552% | 1,925 |
| Equity capital to assets | 10.7654% | 2,809 |
| Core capital (leverage) ratio | 10.1685% | 3,340 |
| Tier 1 risk-based capital ratio | 12.8192% | 4,053 |
| Total risk-based capital ratio | 14.0665% | 3,943 |
| Memoranda: |
| Average total assets | $223,555,000 | 2,721 |
| Average earning assets | $209,968,000 | 2,693 |
| Average equity | $23,810,000 | 2,792 |
| Average total loans | $170,881,000 | 2,463 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2858% | 2,378 |
| Cost of funding earning assets | 0.3617% | 3,601 |
| Net interest margin | 3.9241% | 2,017 |
| Noninterest income to average assets | 1.5937% | 410 |
| Noninterest expense to average assets | 3.6493% | 851 |
| Loan and lease loss provision to assets | 0.1438% | 1,580 |
| Net operating income to assets | 1.4801% | 846 |
| Return on assets (ROA) | 1.4938% | 838 |
| Pretax return on assets | 1.5027% | 1,637 |
| Return on Equity (ROE) | 12.8952% | 977 |
| Retained earnings to average equity (ytd only) | 4.0268% | 2,776 |
| Net charge-offs to loans | 0.0871% | 2,223 |
| Credit loss provision to net charge-offs | 207.8571% | 1,317 |
| Earnings coverage of net charge-offs (x) | 23.6000% | 1,801 |
| Efficiency ratio | 68.9307% | 2,715 |
| Assets per employee ($millions) | 3.6667% | 4,488 |
| Cash dividends to net income (ytd only)* | 68.7727% | 1,340 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1848% | 2,866 |
| Loan loss allowance to noncurrent loans | 292.8882% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.9621% | 1,610 |
| Noncurrent loans to loans | 0.4045% | 3,313 |
| Net loans and leases to total assets | 75.2458% | 1,717 |
| Net loans and leases to deposits | 85.9961% | 2,261 |
| Net loans and leases to core deposits | 87.3711% | 2,778 |
| Total domestic deposits to total assets | 87.4990% | 1,762 |
| Equity capital to assets | 10.5360% | 3,129 |
| Core capital (leverage) ratio | 9.7849% | 3,712 |
| Tier 1 risk-based capital ratio | 12.5272% | 4,192 |
| Total risk-based capital ratio | 13.7220% | 4,125 |
| Memoranda: |
| Average total assets | $202,365,000 | 2,904 |
| Average earning assets | $190,210,800 | 2,862 |
| Average equity | $23,442,800 | 2,813 |
| Average total loans | $160,790,000 | 2,540 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3001% | 2,258 |
| Cost of funding earning assets | 0.3339% | 3,822 |
| Net interest margin | 3.9662% | 1,814 |
| Noninterest income to average assets | 1.5530% | 453 |
| Noninterest expense to average assets | 3.6885% | 781 |
| Loan and lease loss provision to assets | 0.1103% | 1,937 |
| Net operating income to assets | 1.4740% | 948 |
| Return on assets (ROA) | 1.4927% | 934 |
| Pretax return on assets | 1.5022% | 1,759 |
| Return on Equity (ROE) | 12.5630% | 1,166 |
| Retained earnings to average equity (ytd only) | 8.1779% | 1,149 |
| Net charge-offs to loans | 0.0303% | 2,824 |
| Credit loss provision to net charge-offs | 452.7778% | 700 |
| Earnings coverage of net charge-offs (x) | 65.4150% | 942 |
| Efficiency ratio | 69.8309% | 2,561 |
| Assets per employee ($millions) | 3.3670% | 4,890 |
| Cash dividends to net income (ytd only)* | 34.9048% | 2,524 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2268% | 2,764 |
| Loan loss allowance to noncurrent loans | 282.0368% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 1.0189% | 1,658 |
| Noncurrent loans to loans | 0.4350% | 3,402 |
| Net loans and leases to total assets | 76.9079% | 1,434 |
| Net loans and leases to deposits | 88.7063% | 1,966 |
| Net loans and leases to core deposits | 90.3777% | 2,575 |
| Total domestic deposits to total assets | 86.6995% | 1,993 |
| Equity capital to assets | 11.6181% | 2,257 |
| Core capital (leverage) ratio | 11.0839% | 2,385 |
| Tier 1 risk-based capital ratio | 13.6810% | 3,593 |
| Total risk-based capital ratio | 14.9138% | 3,533 |
| Memoranda: |
| Average total assets | $197,038,500 | 2,974 |
| Average earning assets | $185,263,250 | 2,937 |
| Average equity | $23,412,000 | 2,841 |
| Average total loans | $158,407,250 | 2,585 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2924% | 2,159 |
| Cost of funding earning assets | 0.3026% | 4,056 |
| Net interest margin | 3.9899% | 1,638 |
| Noninterest income to average assets | 1.5223% | 465 |
| Noninterest expense to average assets | 3.7943% | 677 |
| Loan and lease loss provision to assets | 0.1098% | 1,858 |
| Net operating income to assets | 1.3638% | 1,143 |
| Return on assets (ROA) | 1.3638% | 1,173 |
| Pretax return on assets | 1.3731% | 2,130 |
| Return on Equity (ROE) | 11.3870% | 1,501 |
| Retained earnings to average equity (ytd only) | 6.8478% | 1,669 |
| Net charge-offs to loans | 0.0497% | 2,222 |
| Credit loss provision to net charge-offs | 271.7949% | 1,028 |
| Earnings coverage of net charge-offs (x) | 36.7179% | 1,319 |
| Efficiency ratio | 71.8995% | 2,353 |
| Assets per employee ($millions) | 3.2489% | 5,034 |
| Cash dividends to net income (ytd only)* | 39.8633% | 2,331 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2292% | 2,834 |
| Loan loss allowance to noncurrent loans | 306.9841% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 1.0527% | 1,662 |
| Noncurrent loans to loans | 0.4004% | 3,595 |
| Net loans and leases to total assets | 79.7200% | 993 |
| Net loans and leases to deposits | 92.5414% | 1,424 |
| Net loans and leases to core deposits | 95.2224% | 2,051 |
| Total domestic deposits to total assets | 86.1452% | 2,315 |
| Equity capital to assets | 12.1460% | 1,833 |
| Core capital (leverage) ratio | 11.2462% | 2,185 |
| Tier 1 risk-based capital ratio | 13.8801% | 3,484 |
| Total risk-based capital ratio | 15.1295% | 3,412 |
| Memoranda: |
| Average total assets | $193,134,330 | 3,030 |
| Average earning assets | $181,761,000 | 2,985 |
| Average equity | $23,131,670 | 2,870 |
| Average total loans | $157,029,670 | 2,604 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2560% | 2,083 |
| Cost of funding earning assets | 0.2944% | 4,106 |
| Net interest margin | 3.9616% | 1,575 |
| Noninterest income to average assets | 1.4503% | 513 |
| Noninterest expense to average assets | 3.8058% | 677 |
| Loan and lease loss provision to assets | 0.1103% | 1,736 |
| Net operating income to assets | 1.2485% | 1,379 |
| Return on assets (ROA) | 1.2485% | 1,413 |
| Pretax return on assets | 1.2589% | 2,385 |
| Return on Equity (ROE) | 10.4991% | 1,742 |
| Retained earnings to average equity (ytd only) | 3.9372% | 3,478 |
| Net charge-offs to loans | -0.0102% | 4,437 |
| Credit loss provision to net charge-offs | -1,325.0000% | 4,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5424% | 2,313 |
| Assets per employee ($millions) | 3.3622% | 4,973 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,357 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2197% | 3,010 |
| Loan loss allowance to noncurrent loans | 302.0408% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 1.0770% | 1,664 |
| Noncurrent loans to loans | 0.4038% | 3,646 |
| Net loans and leases to total assets | 81.3043% | 657 |
| Net loans and leases to deposits | 94.3317% | 1,081 |
| Net loans and leases to core deposits | 97.1228% | 1,738 |
| Total domestic deposits to total assets | 86.1898% | 2,584 |
| Equity capital to assets | 12.0080% | 1,833 |
| Core capital (leverage) ratio | 11.1895% | 2,197 |
| Tier 1 risk-based capital ratio | 13.5741% | 3,734 |
| Total risk-based capital ratio | 14.8217% | 3,647 |
| Memoranda: |
| Average total assets | $192,233,500 | 3,066 |
| Average earning assets | $180,734,000 | 3,024 |
| Average equity | $22,859,000 | 2,910 |
| Average total loans | $156,876,000 | 2,622 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2602% | 2,274 |
| Cost of funding earning assets | 0.2644% | 4,423 |
| Net interest margin | 3.9958% | 1,641 |
| Noninterest income to average assets | 1.7351% | 406 |
| Noninterest expense to average assets | 3.9720% | 629 |
| Loan and lease loss provision to assets | 0.1064% | 2,274 |
| Net operating income to assets | 1.3807% | 1,050 |
| Return on assets (ROA) | 1.4066% | 1,016 |
| Pretax return on assets | 1.4200% | 1,864 |
| Return on Equity (ROE) | 11.1452% | 1,525 |
| Retained earnings to average equity (ytd only) | 4.1431% | 2,957 |
| Net charge-offs to loans | 0.0219% | 3,606 |
| Credit loss provision to net charge-offs | 616.1290% | 557 |
| Earnings coverage of net charge-offs (x) | 86.9032% | 673 |
| Efficiency ratio | 72.5857% | 2,492 |
| Assets per employee ($millions) | 3.3828% | 4,930 |
| Cash dividends to net income (ytd only)* | 62.8266% | 1,637 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1967% | 3,145 |
| Loan loss allowance to noncurrent loans | 449.8795% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.9563% | 1,982 |
| Noncurrent loans to loans | 0.2660% | 4,201 |
| Net loans and leases to total assets | 79.9418% | 901 |
| Net loans and leases to deposits | 97.7916% | 845 |
| Net loans and leases to core deposits | 100.3947% | 1,587 |
| Total domestic deposits to total assets | 81.7471% | 4,144 |
| Equity capital to assets | 11.7753% | 1,952 |
| Core capital (leverage) ratio | 11.3085% | 2,075 |
| Tier 1 risk-based capital ratio | 13.6464% | 3,677 |
| Total risk-based capital ratio | 14.8776% | 3,593 |
| Memoranda: |
| Average total assets | $179,582,800 | 3,170 |
| Average earning assets | $167,951,000 | 3,140 |
| Average equity | $22,664,400 | 2,925 |
| Average total loans | $141,437,800 | 2,760 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2519% | 2,330 |
| Cost of funding earning assets | 0.2575% | 4,537 |
| Net interest margin | 3.9943% | 1,675 |
| Noninterest income to average assets | 1.6860% | 438 |
| Noninterest expense to average assets | 4.0005% | 586 |
| Loan and lease loss provision to assets | 0.0620% | 2,993 |
| Net operating income to assets | 1.3407% | 1,188 |
| Return on assets (ROA) | 1.3759% | 1,183 |
| Pretax return on assets | 1.3895% | 2,070 |
| Return on Equity (ROE) | 10.7056% | 1,786 |
| Retained earnings to average equity (ytd only) | 5.9737% | 2,197 |
| Net charge-offs to loans | 0.0281% | 3,105 |
| Credit loss provision to net charge-offs | 282.7586% | 1,092 |
| Earnings coverage of net charge-offs (x) | 64.5446% | 904 |
| Efficiency ratio | 73.8584% | 2,311 |
| Assets per employee ($millions) | 3.2404% | 5,119 |
| Cash dividends to net income (ytd only)* | 44.2000% | 2,169 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1970% | 3,252 |
| Loan loss allowance to noncurrent loans | 441.1028% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 1.0238% | 2,016 |
| Noncurrent loans to loans | 0.2714% | 4,290 |
| Net loans and leases to total assets | 78.6543% | 1,091 |
| Net loans and leases to deposits | 93.9933% | 1,256 |
| Net loans and leases to core deposits | 96.1653% | 1,974 |
| Total domestic deposits to total assets | 83.6807% | 3,324 |
| Equity capital to assets | 12.5954% | 1,714 |
| Core capital (leverage) ratio | 11.9257% | 1,728 |
| Tier 1 risk-based capital ratio | 14.4179% | 3,322 |
| Total risk-based capital ratio | 15.6381% | 3,269 |
| Memoranda: |
| Average total assets | $176,273,750 | 3,224 |
| Average earning assets | $164,628,750 | 3,190 |
| Average equity | $22,654,250 | 2,950 |
| Average total loans | $137,794,750 | 2,813 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2374% | 2,373 |
| Cost of funding earning assets | 0.2597% | 4,551 |
| Net interest margin | 3.9777% | 1,708 |
| Noninterest income to average assets | 1.6349% | 466 |
| Noninterest expense to average assets | 4.0320% | 567 |
| Loan and lease loss provision to assets | 0.0450% | 3,254 |
| Net operating income to assets | 1.2538% | 1,408 |
| Return on assets (ROA) | 1.3075% | 1,351 |
| Pretax return on assets | 1.3213% | 2,317 |
| Return on Equity (ROE) | 10.1020% | 2,005 |
| Retained earnings to average equity (ytd only) | 4.7748% | 2,879 |
| Net charge-offs to loans | 0.0267% | 2,943 |
| Credit loss provision to net charge-offs | 216.6667% | 1,232 |
| Earnings coverage of net charge-offs (x) | 63.2222% | 845 |
| Efficiency ratio | 75.4477% | 2,155 |
| Assets per employee ($millions) | 2.9334% | 5,497 |
| Cash dividends to net income (ytd only)* | 52.7337% | 1,844 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2575% | 3,033 |
| Loan loss allowance to noncurrent loans | 314.1818% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 1.1602% | 1,818 |
| Noncurrent loans to loans | 0.4002% | 3,923 |
| Net loans and leases to total assets | 77.0937% | 1,319 |
| Net loans and leases to deposits | 90.7612% | 1,662 |
| Net loans and leases to core deposits | 92.7426% | 2,282 |
| Total domestic deposits to total assets | 84.9413% | 2,907 |
| Equity capital to assets | 12.9747% | 1,516 |
| Core capital (leverage) ratio | 11.8095% | 1,761 |
| Tier 1 risk-based capital ratio | 14.7776% | 3,166 |
| Total risk-based capital ratio | 16.0315% | 3,111 |
| Memoranda: |
| Average total assets | $173,464,330 | 3,273 |
| Average earning assets | $161,751,330 | 3,245 |
| Average equity | $22,451,000 | 2,975 |
| Average total loans | $134,714,330 | 2,856 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2312% | 2,365 |
| Cost of funding earning assets | 0.2646% | 4,553 |
| Net interest margin | 3.9666% | 1,723 |
| Noninterest income to average assets | 1.5726% | 479 |
| Noninterest expense to average assets | 4.1047% | 547 |
| Loan and lease loss provision to assets | 0.0325% | 3,222 |
| Net operating income to assets | 1.1138% | 1,853 |
| Return on assets (ROA) | 1.2219% | 1,592 |
| Pretax return on assets | 1.2358% | 2,557 |
| Return on Equity (ROE) | 9.4526% | 2,214 |
| Retained earnings to average equity (ytd only) | 5.7326% | 2,505 |
| Net charge-offs to loans | 0.0330% | 2,299 |
| Credit loss provision to net charge-offs | 127.2727% | 1,376 |
| Earnings coverage of net charge-offs (x) | 45.3636% | 937 |
| Efficiency ratio | 77.9788% | 1,898 |
| Assets per employee ($millions) | 2.9267% | 5,582 |
| Cash dividends to net income (ytd only)* | 39.3536% | 2,099 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2738% | 3,034 |
| Loan loss allowance to noncurrent loans | 319.0299% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 1.1745% | 1,878 |
| Noncurrent loans to loans | 0.3993% | 4,003 |
| Net loans and leases to total assets | 76.7529% | 1,285 |
| Net loans and leases to deposits | 90.5138% | 1,516 |
| Net loans and leases to core deposits | 91.9366% | 2,189 |
| Total domestic deposits to total assets | 84.7969% | 3,203 |
| Equity capital to assets | 12.9978% | 1,409 |
| Core capital (leverage) ratio | 11.9473% | 1,642 |
| Tier 1 risk-based capital ratio | 15.5555% | 2,888 |
| Total risk-based capital ratio | 16.8109% | 2,816 |
| Memoranda: |
| Average total assets | $172,194,500 | 3,301 |
| Average earning assets | $160,236,500 | 3,278 |
| Average equity | $22,258,500 | 2,995 |
| Average total loans | $133,363,500 | 2,883 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1176% | 2,854 |
| Cost of funding earning assets | 0.3012% | 4,235 |
| Net interest margin | 3.8164% | 2,321 |
| Noninterest income to average assets | 1.7566% | 434 |
| Noninterest expense to average assets | 4.0276% | 646 |
| Loan and lease loss provision to assets | 0.0332% | 3,700 |
| Net operating income to assets | 1.2385% | 1,427 |
| Return on assets (ROA) | 1.2845% | 1,347 |
| Pretax return on assets | 1.2988% | 2,290 |
| Return on Equity (ROE) | 10.1968% | 1,931 |
| Retained earnings to average equity (ytd only) | 3.2155% | 3,768 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8033% | 2,305 |
| Assets per employee ($millions) | 2.9606% | 5,558 |
| Cash dividends to net income (ytd only)* | 68.4657% | 1,324 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2885% | 2,973 |
| Loan loss allowance to noncurrent loans | 293.8038% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 1.2072% | 1,795 |
| Noncurrent loans to loans | 0.4385% | 3,896 |
| Net loans and leases to total assets | 76.1598% | 1,391 |
| Net loans and leases to deposits | 89.6070% | 1,671 |
| Net loans and leases to core deposits | 90.8476% | 2,329 |
| Total domestic deposits to total assets | 84.9931% | 3,093 |
| Equity capital to assets | 12.8545% | 1,431 |
| Core capital (leverage) ratio | 11.8554% | 1,720 |
| Tier 1 risk-based capital ratio | 15.3040% | 3,035 |
| Total risk-based capital ratio | 16.5582% | 2,972 |
| Memoranda: |
| Average total assets | $174,544,000 | 3,239 |
| Average earning assets | $162,668,000 | 3,218 |
| Average equity | $21,987,200 | 2,976 |
| Average total loans | $126,470,200 | 2,942 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0621% | 3,091 |
| Cost of funding earning assets | 0.3099% | 4,232 |
| Net interest margin | 3.7522% | 2,554 |
| Noninterest income to average assets | 1.7148% | 450 |
| Noninterest expense to average assets | 3.9774% | 687 |
| Loan and lease loss provision to assets | 0.0023% | 4,202 |
| Net operating income to assets | 1.2217% | 1,579 |
| Return on assets (ROA) | 1.2827% | 1,440 |
| Pretax return on assets | 1.2971% | 2,411 |
| Return on Equity (ROE) | 10.2338% | 2,005 |
| Retained earnings to average equity (ytd only) | 5.1109% | 2,838 |
| Net charge-offs to loans | 0.0011% | 4,152 |
| Credit loss provision to net charge-offs | 300.0000% | 959 |
| Earnings coverage of net charge-offs (x) | 1,631.0376% | 41 |
| Efficiency ratio | 76.2655% | 2,202 |
| Assets per employee ($millions) | 3.0559% | 5,484 |
| Cash dividends to net income (ytd only)* | 50.0596% | 1,866 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3173% | 3,000 |
| Loan loss allowance to noncurrent loans | 221.9086% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 1.3303% | 1,759 |
| Noncurrent loans to loans | 0.5936% | 3,546 |
| Net loans and leases to total assets | 73.5847% | 1,808 |
| Net loans and leases to deposits | 85.7536% | 2,171 |
| Net loans and leases to core deposits | 87.2306% | 2,733 |
| Total domestic deposits to total assets | 85.8095% | 2,634 |
| Equity capital to assets | 13.2981% | 1,308 |
| Core capital (leverage) ratio | 11.9692% | 1,689 |
| Tier 1 risk-based capital ratio | 16.1949% | 2,717 |
| Total risk-based capital ratio | 17.4483% | 2,670 |
| Memoranda: |
| Average total assets | $175,251,500 | 3,256 |
| Average earning assets | $163,489,500 | 3,235 |
| Average equity | $21,965,750 | 2,994 |
| Average total loans | $124,966,750 | 2,996 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0414% | 3,120 |
| Cost of funding earning assets | 0.3183% | 4,183 |
| Net interest margin | 3.7231% | 2,613 |
| Noninterest income to average assets | 1.5165% | 554 |
| Noninterest expense to average assets | 3.8864% | 778 |
| Loan and lease loss provision to assets | 0.0023% | 4,037 |
| Net operating income to assets | 1.0907% | 1,981 |
| Return on assets (ROA) | 1.1731% | 1,755 |
| Pretax return on assets | 1.1878% | 2,825 |
| Return on Equity (ROE) | 9.5433% | 2,282 |
| Retained earnings to average equity (ytd only) | 3.3429% | 3,919 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8354% | 2,094 |
| Assets per employee ($millions) | 2.9822% | 5,618 |
| Cash dividends to net income (ytd only)* | 64.9712% | 1,371 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3294% | 3,083 |
| Loan loss allowance to noncurrent loans | 236.1946% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 1.2549% | 2,000 |
| Noncurrent loans to loans | 0.5629% | 3,767 |
| Net loans and leases to total assets | 69.6429% | 2,372 |
| Net loans and leases to deposits | 80.2620% | 2,752 |
| Net loans and leases to core deposits | 81.5634% | 3,231 |
| Total domestic deposits to total assets | 86.7695% | 2,284 |
| Equity capital to assets | 12.3837% | 1,740 |
| Core capital (leverage) ratio | 11.0943% | 2,328 |
| Tier 1 risk-based capital ratio | 15.9236% | 2,892 |
| Total risk-based capital ratio | 17.1781% | 2,849 |
| Memoranda: |
| Average total assets | $177,643,000 | 3,247 |
| Average earning assets | $165,882,000 | 3,223 |
| Average equity | $21,837,330 | 3,014 |
| Average total loans | $124,845,670 | 3,001 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9815% | 3,292 |
| Cost of funding earning assets | 0.3264% | 4,146 |
| Net interest margin | 3.6551% | 2,792 |
| Noninterest income to average assets | 1.4298% | 573 |
| Noninterest expense to average assets | 3.7896% | 892 |
| Loan and lease loss provision to assets | 0.0045% | 3,652 |
| Net operating income to assets | 1.0354% | 2,097 |
| Return on assets (ROA) | 1.0354% | 2,246 |
| Pretax return on assets | 1.0488% | 3,304 |
| Return on Equity (ROE) | 8.4532% | 2,723 |
| Retained earnings to average equity (ytd only) | 6.6235% | 2,176 |
| Net charge-offs to loans | -0.0064% | 4,565 |
| Credit loss provision to net charge-offs | -100.0000% | 4,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2508% | 2,150 |
| Assets per employee ($millions) | 3.1201% | 5,523 |
| Cash dividends to net income (ytd only)* | 21.6450% | 2,517 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3465% | 3,158 |
| Loan loss allowance to noncurrent loans | 302.7473% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 1.1578% | 2,318 |
| Noncurrent loans to loans | 0.4447% | 4,254 |
| Net loans and leases to total assets | 68.1013% | 2,423 |
| Net loans and leases to deposits | 78.4747% | 2,741 |
| Net loans and leases to core deposits | 79.7380% | 3,199 |
| Total domestic deposits to total assets | 86.7811% | 2,510 |
| Equity capital to assets | 12.4384% | 1,730 |
| Core capital (leverage) ratio | 11.0271% | 2,387 |
| Tier 1 risk-based capital ratio | 15.7837% | 3,026 |
| Total risk-based capital ratio | 17.0369% | 2,962 |
| Memoranda: |
| Average total assets | $178,490,000 | 3,256 |
| Average earning assets | $166,669,000 | 3,225 |
| Average equity | $21,861,500 | 3,033 |
| Average total loans | $125,175,000 | 2,995 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9377% | 3,980 |
| Cost of funding earning assets | 0.3755% | 3,966 |
| Net interest margin | 3.5622% | 3,548 |
| Noninterest income to average assets | 1.4488% | 579 |
| Noninterest expense to average assets | 3.6953% | 1,164 |
| Loan and lease loss provision to assets | 0.0211% | 4,190 |
| Net operating income to assets | 1.0762% | 2,066 |
| Return on assets (ROA) | 1.1472% | 1,851 |
| Pretax return on assets | 1.1610% | 2,818 |
| Return on Equity (ROE) | 10.0048% | 2,124 |
| Retained earnings to average equity (ytd only) | 8.4545% | 847 |
| Net charge-offs to loans | 0.0160% | 4,552 |
| Credit loss provision to net charge-offs | 200.0000% | 1,222 |
| Earnings coverage of net charge-offs (x) | 105.2105% | 499 |
| Efficiency ratio | 76.8928% | 2,372 |
| Assets per employee ($millions) | 3.2570% | 5,336 |
| Cash dividends to net income (ytd only)* | 15.4964% | 3,968 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2925% | 3,465 |
| Loan loss allowance to noncurrent loans | 292.3759% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 1.1595% | 2,444 |
| Noncurrent loans to loans | 0.4421% | 4,315 |
| Net loans and leases to total assets | 70.3008% | 2,191 |
| Net loans and leases to deposits | 83.6393% | 2,257 |
| Net loans and leases to core deposits | 85.0147% | 2,781 |
| Total domestic deposits to total assets | 84.0523% | 3,697 |
| Equity capital to assets | 12.0590% | 1,978 |
| Core capital (leverage) ratio | 10.8332% | 2,581 |
| Tier 1 risk-based capital ratio | 14.6112% | 3,716 |
| Total risk-based capital ratio | 15.8628% | 3,644 |
| Memoranda: |
| Average total assets | $180,010,200 | 3,206 |
| Average earning assets | $169,640,600 | 3,160 |
| Average equity | $20,640,000 | 3,086 |
| Average total loans | $118,395,000 | 3,075 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8609% | 4,322 |
| Cost of funding earning assets | 0.3805% | 4,011 |
| Net interest margin | 3.4804% | 3,898 |
| Noninterest income to average assets | 1.3827% | 648 |
| Noninterest expense to average assets | 3.6257% | 1,250 |
| Loan and lease loss provision to assets | 0.0096% | 4,231 |
| Net operating income to assets | 1.0224% | 2,355 |
| Return on assets (ROA) | 1.0971% | 2,114 |
| Pretax return on assets | 1.1111% | 3,147 |
| Return on Equity (ROE) | 9.6928% | 2,353 |
| Retained earnings to average equity (ytd only) | 9.0392% | 989 |
| Net charge-offs to loans | 0.0276% | 3,945 |
| Credit loss provision to net charge-offs | 54.1667% | 3,040 |
| Earnings coverage of net charge-offs (x) | 58.8734% | 875 |
| Efficiency ratio | 77.6212% | 2,248 |
| Assets per employee ($millions) | 3.1670% | 5,491 |
| Cash dividends to net income (ytd only)* | 6.7431% | 3,657 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3459% | 3,415 |
| Loan loss allowance to noncurrent loans | 254.5597% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 1.3436% | 2,295 |
| Noncurrent loans to loans | 0.5287% | 4,348 |
| Net loans and leases to total assets | 66.9108% | 2,702 |
| Net loans and leases to deposits | 76.6660% | 3,108 |
| Net loans and leases to core deposits | 77.7836% | 3,557 |
| Total domestic deposits to total assets | 87.2757% | 2,166 |
| Equity capital to assets | 11.9507% | 2,101 |
| Core capital (leverage) ratio | 10.6481% | 2,864 |
| Tier 1 risk-based capital ratio | 14.9646% | 3,608 |
| Total risk-based capital ratio | 16.2177% | 3,536 |
| Memoranda: |
| Average total assets | $180,228,750 | 3,232 |
| Average earning assets | $170,284,000 | 3,182 |
| Average equity | $20,399,500 | 3,127 |
| Average total loans | $116,098,000 | 3,128 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7754% | 4,608 |
| Cost of funding earning assets | 0.3817% | 4,084 |
| Net interest margin | 3.3936% | 4,207 |
| Noninterest income to average assets | 1.1645% | 859 |
| Noninterest expense to average assets | 3.5047% | 1,470 |
| Loan and lease loss provision to assets | 0.0110% | 4,024 |
| Net operating income to assets | 0.8554% | 3,044 |
| Return on assets (ROA) | 0.9625% | 2,583 |
| Pretax return on assets | 0.9758% | 3,585 |
| Return on Equity (ROE) | 8.6618% | 2,751 |
| Retained earnings to average equity (ytd only) | 7.6685% | 1,449 |
| Net charge-offs to loans | -0.0157% | 5,451 |
| Credit loss provision to net charge-offs | -111.1111% | 5,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9547% | 2,033 |
| Assets per employee ($millions) | 3.3666% | 5,127 |
| Cash dividends to net income (ytd only)* | 11.4679% | 3,429 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4069% | 3,312 |
| Loan loss allowance to noncurrent loans | 225.2732% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 1.2733% | 2,568 |
| Noncurrent loans to loans | 0.6245% | 4,152 |
| Net loans and leases to total assets | 64.7623% | 2,952 |
| Net loans and leases to deposits | 73.8632% | 3,333 |
| Net loans and leases to core deposits | 75.2921% | 3,706 |
| Total domestic deposits to total assets | 87.6787% | 2,097 |
| Equity capital to assets | 11.5950% | 2,332 |
| Core capital (leverage) ratio | 10.2929% | 3,225 |
| Tier 1 risk-based capital ratio | 15.1707% | 3,544 |
| Total risk-based capital ratio | 16.4246% | 3,484 |
| Memoranda: |
| Average total assets | $181,187,000 | 3,238 |
| Average earning assets | $171,851,330 | 3,177 |
| Average equity | $20,134,330 | 3,158 |
| Average total loans | $114,701,330 | 3,163 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6419% | 5,032 |
| Cost of funding earning assets | 0.3811% | 4,187 |
| Net interest margin | 3.2609% | 4,702 |
| Noninterest income to average assets | 1.0539% | 1,008 |
| Noninterest expense to average assets | 3.4311% | 1,629 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7033% | 3,671 |
| Return on assets (ROA) | 0.7033% | 3,750 |
| Pretax return on assets | 0.7165% | 4,436 |
| Return on Equity (ROE) | 6.4662% | 3,770 |
| Retained earnings to average equity (ytd only) | 6.4662% | 2,308 |
| Net charge-offs to loans | -0.0247% | 5,455 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7258% | 1,832 |
| Assets per employee ($millions) | 3.4268% | 5,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4490% | 3,371 |
| Loan loss allowance to noncurrent loans | 216.5344% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 1.2885% | 2,714 |
| Noncurrent loans to loans | 0.6692% | 4,187 |
| Net loans and leases to total assets | 62.4827% | 3,156 |
| Net loans and leases to deposits | 70.9391% | 3,483 |
| Net loans and leases to core deposits | 72.3303% | 3,841 |
| Total domestic deposits to total assets | 88.0794% | 2,192 |
| Equity capital to assets | 11.2972% | 2,430 |
| Core capital (leverage) ratio | 10.2343% | 3,243 |
| Tier 1 risk-based capital ratio | 15.3250% | 3,538 |
| Total risk-based capital ratio | 16.5807% | 3,489 |
| Memoranda: |
| Average total assets | $182,565,000 | 3,250 |
| Average earning assets | $173,204,500 | 3,178 |
| Average equity | $19,857,000 | 3,182 |
| Average total loans | $113,449,500 | 3,192 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6885% | 5,169 |
| Cost of funding earning assets | 0.5360% | 3,241 |
| Net interest margin | 3.1525% | 5,152 |
| Noninterest income to average assets | 1.0455% | 1,285 |
| Noninterest expense to average assets | 3.3506% | 2,000 |
| Loan and lease loss provision to assets | 0.0055% | 5,016 |
| Net operating income to assets | 0.6677% | 3,950 |
| Return on assets (ROA) | 0.6677% | 4,047 |
| Pretax return on assets | 0.6792% | 4,611 |
| Return on Equity (ROE) | 6.0953% | 4,035 |
| Retained earnings to average equity (ytd only) | -1.0217% | 6,066 |
| Net charge-offs to loans | 0.0132% | 5,189 |
| Credit loss provision to net charge-offs | 71.4286% | 3,265 |
| Earnings coverage of net charge-offs (x) | 89.5714% | 502 |
| Efficiency ratio | 83.0334% | 1,748 |
| Assets per employee ($millions) | 3.6654% | 4,559 |
| Cash dividends to net income (ytd only)* | 116.7621% | 251 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4308% | 3,507 |
| Loan loss allowance to noncurrent loans | 269.4215% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 1.1475% | 3,103 |
| Noncurrent loans to loans | 0.5311% | 4,665 |
| Net loans and leases to total assets | 60.0695% | 3,707 |
| Net loans and leases to deposits | 67.6285% | 4,099 |
| Net loans and leases to core deposits | 68.8450% | 4,415 |
| Total domestic deposits to total assets | 88.8229% | 1,734 |
| Equity capital to assets | 10.4758% | 3,194 |
| Core capital (leverage) ratio | 9.3072% | 4,538 |
| Tier 1 risk-based capital ratio | 14.7800% | 3,797 |
| Total risk-based capital ratio | 16.0354% | 3,734 |
| Memoranda: |
| Average total assets | $183,160,000 | 3,240 |
| Average earning assets | $173,701,600 | 3,169 |
| Average equity | $20,064,600 | 3,146 |
| Average total loans | $105,782,800 | 3,330 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6612% | 5,273 |
| Cost of funding earning assets | 0.5447% | 3,323 |
| Net interest margin | 3.1165% | 5,275 |
| Noninterest income to average assets | 1.0698% | 1,280 |
| Noninterest expense to average assets | 3.3293% | 2,003 |
| Loan and lease loss provision to assets | 0.0073% | 4,832 |
| Net operating income to assets | 0.6768% | 3,972 |
| Return on assets (ROA) | 0.6768% | 4,119 |
| Pretax return on assets | 0.6885% | 4,725 |
| Return on Equity (ROE) | 6.1100% | 4,128 |
| Retained earnings to average equity (ytd only) | -1.1758% | 6,160 |
| Net charge-offs to loans | 0.0077% | 5,010 |
| Credit loss provision to net charge-offs | 166.6667% | 1,427 |
| Earnings coverage of net charge-offs (x) | 158.4963% | 354 |
| Efficiency ratio | 82.7122% | 1,733 |
| Assets per employee ($millions) | 3.7921% | 4,265 |
| Cash dividends to net income (ytd only)* | 119.2435% | 240 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4719% | 3,578 |
| Loan loss allowance to noncurrent loans | 279.5222% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 1.1846% | 3,289 |
| Noncurrent loans to loans | 0.5266% | 4,878 |
| Net loans and leases to total assets | 57.8289% | 4,039 |
| Net loans and leases to deposits | 65.0014% | 4,407 |
| Net loans and leases to core deposits | 66.0246% | 4,709 |
| Total domestic deposits to total assets | 88.9655% | 1,571 |
| Equity capital to assets | 10.3910% | 3,400 |
| Core capital (leverage) ratio | 9.3307% | 4,649 |
| Tier 1 risk-based capital ratio | 14.9709% | 3,768 |
| Total risk-based capital ratio | 16.2260% | 3,715 |
| Memoranda: |
| Average total assets | $182,216,250 | 3,280 |
| Average earning assets | $172,798,250 | 3,204 |
| Average equity | $20,185,000 | 3,167 |
| Average total loans | $103,748,250 | 3,393 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6375% | 5,331 |
| Cost of funding earning assets | 0.5483% | 3,434 |
| Net interest margin | 3.0892% | 5,297 |
| Noninterest income to average assets | 1.0069% | 1,516 |
| Noninterest expense to average assets | 3.2700% | 2,158 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6520% | 4,051 |
| Return on assets (ROA) | 0.6520% | 4,217 |
| Pretax return on assets | 0.6642% | 4,801 |
| Return on Equity (ROE) | 5.7603% | 4,310 |
| Retained earnings to average equity (ytd only) | -3.4896% | 6,357 |
| Net charge-offs to loans | 0.0040% | 4,837 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 298.5000% | 171 |
| Efficiency ratio | 83.1165% | 1,740 |
| Assets per employee ($millions) | 3.5583% | 4,734 |
| Cash dividends to net income (ytd only)* | 160.5802% | 170 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6088% | 3,123 |
| Loan loss allowance to noncurrent loans | 318.1287% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 1.1522% | 3,444 |
| Noncurrent loans to loans | 0.5057% | 5,004 |
| Net loans and leases to total assets | 52.9259% | 4,748 |
| Net loans and leases to deposits | 59.4351% | 5,027 |
| Net loans and leases to core deposits | 60.2288% | 5,248 |
| Total domestic deposits to total assets | 89.0482% | 1,605 |
| Equity capital to assets | 10.3447% | 3,498 |
| Core capital (leverage) ratio | 9.4759% | 4,285 |
| Tier 1 risk-based capital ratio | 15.6999% | 3,366 |
| Total risk-based capital ratio | 16.9549% | 3,310 |
| Memoranda: |
| Average total assets | $179,753,000 | 3,313 |
| Average earning assets | $170,335,670 | 3,250 |
| Average equity | $20,346,000 | 3,173 |
| Average total loans | $101,236,000 | 3,450 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7461% | 5,003 |
| Cost of funding earning assets | 0.5520% | 3,555 |
| Net interest margin | 3.1941% | 4,952 |
| Noninterest income to average assets | 1.0791% | 1,272 |
| Noninterest expense to average assets | 3.2920% | 2,103 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7985% | 3,177 |
| Return on assets (ROA) | 0.7985% | 3,309 |
| Pretax return on assets | 0.8099% | 4,134 |
| Return on Equity (ROE) | 6.7423% | 3,627 |
| Retained earnings to average equity (ytd only) | -5.1241% | 6,374 |
| Net charge-offs to loans | 0.0435% | 3,423 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 32.2727% | 928 |
| Efficiency ratio | 80.2558% | 2,291 |
| Assets per employee ($millions) | 3.4469% | 5,099 |
| Cash dividends to net income (ytd only)* | 176.0000% | 278 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6671% | 3,144 |
| Loan loss allowance to noncurrent loans | 243.6937% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 1.3232% | 3,308 |
| Noncurrent loans to loans | 0.6841% | 4,761 |
| Net loans and leases to total assets | 54.4576% | 4,341 |
| Net loans and leases to deposits | 62.5125% | 4,472 |
| Net loans and leases to core deposits | 63.4266% | 4,797 |
| Total domestic deposits to total assets | 87.1147% | 2,898 |
| Equity capital to assets | 11.7276% | 2,235 |
| Core capital (leverage) ratio | 10.1105% | 3,266 |
| Tier 1 risk-based capital ratio | 16.4074% | 3,059 |
| Total risk-based capital ratio | 17.6639% | 3,003 |
| Memoranda: |
| Average total assets | $175,334,500 | 3,405 |
| Average earning assets | $165,932,500 | 3,348 |
| Average equity | $20,764,500 | 3,166 |
| Average total loans | $101,131,500 | 3,476 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1429% | 4,792 |
| Cost of funding earning assets | 0.7118% | 3,396 |
| Net interest margin | 3.4311% | 4,773 |
| Noninterest income to average assets | 1.1712% | 1,147 |
| Noninterest expense to average assets | 2.9456% | 3,485 |
| Loan and lease loss provision to assets | 0.0527% | 5,149 |
| Net operating income to assets | 1.4215% | 1,061 |
| Return on assets (ROA) | 1.4435% | 1,141 |
| Pretax return on assets | 1.4435% | 1,881 |
| Return on Equity (ROE) | 12.0038% | 1,511 |
| Retained earnings to average equity (ytd only) | 2.4673% | 4,499 |
| Net charge-offs to loans | 0.1050% | 4,617 |
| Credit loss provision to net charge-offs | 85.8491% | 3,636 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,192 |
| Efficiency ratio | 66.6448% | 4,389 |
| Assets per employee ($millions) | 3.5690% | 4,850 |
| Cash dividends to net income (ytd only)* | 79.4460% | 1,021 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5575% | 3,487 |
| Loan loss allowance to noncurrent loans | 208.9514% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 1.2820% | 3,509 |
| Noncurrent loans to loans | 0.7454% | 4,689 |
| Net loans and leases to total assets | 59.0551% | 3,783 |
| Net loans and leases to deposits | 68.7354% | 3,869 |
| Net loans and leases to core deposits | 69.6233% | 4,365 |
| Total domestic deposits to total assets | 85.9165% | 3,393 |
| Equity capital to assets | 11.9586% | 2,068 |
| Core capital (leverage) ratio | 10.1428% | 3,218 |
| Tier 1 risk-based capital ratio | 15.6585% | 3,343 |
| Total risk-based capital ratio | 16.9135% | 3,298 |
| Memoranda: |
| Average total assets | $172,563,400 | 3,407 |
| Average earning assets | $163,388,800 | 3,328 |
| Average equity | $20,751,800 | 3,110 |
| Average total loans | $100,999,400 | 3,492 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1773% | 4,897 |
| Cost of funding earning assets | 0.7458% | 3,382 |
| Net interest margin | 3.4316% | 4,918 |
| Noninterest income to average assets | 1.1326% | 1,177 |
| Noninterest expense to average assets | 2.8986% | 3,603 |
| Loan and lease loss provision to assets | 0.1465% | 3,707 |
| Net operating income to assets | 1.3373% | 1,357 |
| Return on assets (ROA) | 1.3668% | 1,428 |
| Pretax return on assets | 1.3668% | 2,354 |
| Return on Equity (ROE) | 11.3493% | 1,838 |
| Retained earnings to average equity (ytd only) | 2.1437% | 5,257 |
| Net charge-offs to loans | 0.1280% | 4,100 |
| Credit loss provision to net charge-offs | 196.8750% | 1,410 |
| Earnings coverage of net charge-offs (x) | 19.9370% | 1,468 |
| Efficiency ratio | 66.1419% | 4,422 |
| Assets per employee ($millions) | 3.5528% | 4,843 |
| Cash dividends to net income (ytd only)* | 81.1117% | 622 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7217% | 3,071 |
| Loan loss allowance to noncurrent loans | 221.9108% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 1.2896% | 3,716 |
| Noncurrent loans to loans | 0.7759% | 4,859 |
| Net loans and leases to total assets | 57.1180% | 4,274 |
| Net loans and leases to deposits | 65.8911% | 4,483 |
| Net loans and leases to core deposits | 66.5620% | 4,895 |
| Total domestic deposits to total assets | 86.6854% | 2,863 |
| Equity capital to assets | 12.0491% | 2,213 |
| Core capital (leverage) ratio | 10.1711% | 3,319 |
| Tier 1 risk-based capital ratio | 15.9110% | 3,316 |
| Total risk-based capital ratio | 17.1674% | 3,282 |
| Memoranda: |
| Average total assets | $171,984,500 | 3,451 |
| Average earning assets | $162,874,750 | 3,373 |
| Average equity | $20,711,500 | 3,146 |
| Average total loans | $100,022,000 | 3,557 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2098% | 4,914 |
| Cost of funding earning assets | 0.7890% | 3,286 |
| Net interest margin | 3.4209% | 5,003 |
| Noninterest income to average assets | 1.0217% | 1,397 |
| Noninterest expense to average assets | 2.7884% | 4,053 |
| Loan and lease loss provision to assets | 0.1775% | 3,320 |
| Net operating income to assets | 1.2961% | 1,453 |
| Return on assets (ROA) | 1.3405% | 1,487 |
| Pretax return on assets | 1.3405% | 2,423 |
| Return on Equity (ROE) | 11.1330% | 1,945 |
| Retained earnings to average equity (ytd only) | 0.6110% | 5,821 |
| Net charge-offs to loans | 0.0923% | 4,232 |
| Credit loss provision to net charge-offs | 330.4348% | 897 |
| Earnings coverage of net charge-offs (x) | 27.4348% | 1,132 |
| Efficiency ratio | 65.4247% | 4,643 |
| Assets per employee ($millions) | 3.7107% | 4,498 |
| Cash dividends to net income (ytd only)* | 94.5122% | 523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7826% | 2,912 |
| Loan loss allowance to noncurrent loans | 209.4272% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 1.2760% | 3,876 |
| Noncurrent loans to loans | 0.8512% | 4,818 |
| Net loans and leases to total assets | 56.6482% | 4,372 |
| Net loans and leases to deposits | 65.3051% | 4,602 |
| Net loans and leases to core deposits | 65.7572% | 5,033 |
| Total domestic deposits to total assets | 86.7440% | 2,933 |
| Equity capital to assets | 12.0181% | 2,133 |
| Core capital (leverage) ratio | 10.0380% | 3,371 |
| Tier 1 risk-based capital ratio | 16.0623% | 3,137 |
| Total risk-based capital ratio | 17.3179% | 3,099 |
| Memoranda: |
| Average total assets | $171,283,670 | 3,480 |
| Average earning assets | $162,239,000 | 3,381 |
| Average equity | $20,623,330 | 3,149 |
| Average total loans | $99,637,000 | 3,582 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2373% | 4,973 |
| Cost of funding earning assets | 0.8297% | 3,231 |
| Net interest margin | 3.4075% | 5,092 |
| Noninterest income to average assets | 0.9861% | 1,461 |
| Noninterest expense to average assets | 2.7999% | 4,026 |
| Loan and lease loss provision to assets | 0.1748% | 3,217 |
| Net operating income to assets | 1.2379% | 1,639 |
| Return on assets (ROA) | 1.3265% | 1,546 |
| Pretax return on assets | 1.3265% | 2,436 |
| Return on Equity (ROE) | 11.0069% | 2,013 |
| Retained earnings to average equity (ytd only) | 8.5888% | 1,737 |
| Net charge-offs to loans | 0.1556% | 3,161 |
| Credit loss provision to net charge-offs | 192.3077% | 1,373 |
| Earnings coverage of net charge-offs (x) | 15.5385% | 1,412 |
| Efficiency ratio | 66.4638% | 4,470 |
| Assets per employee ($millions) | 3.5662% | 4,962 |
| Cash dividends to net income (ytd only)* | 21.9684% | 2,289 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7431% | 3,184 |
| Loan loss allowance to noncurrent loans | 162.3314% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 1.3609% | 3,844 |
| Noncurrent loans to loans | 1.0738% | 4,550 |
| Net loans and leases to total assets | 54.3567% | 4,663 |
| Net loans and leases to deposits | 63.0047% | 4,772 |
| Net loans and leases to core deposits | 63.3214% | 5,195 |
| Total domestic deposits to total assets | 86.2740% | 3,374 |
| Equity capital to assets | 11.9731% | 2,062 |
| Core capital (leverage) ratio | 10.3097% | 2,981 |
| Tier 1 risk-based capital ratio | 16.6024% | 2,865 |
| Total risk-based capital ratio | 17.8578% | 2,819 |
| Memoranda: |
| Average total assets | $171,579,500 | 3,492 |
| Average earning assets | $162,463,000 | 3,401 |
| Average equity | $20,678,000 | 3,148 |
| Average total loans | $100,231,000 | 3,593 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4129% | 5,366 |
| Cost of funding earning assets | 1.0542% | 2,987 |
| Net interest margin | 3.3587% | 5,615 |
| Noninterest income to average assets | 1.2495% | 833 |
| Noninterest expense to average assets | 2.9975% | 3,602 |
| Loan and lease loss provision to assets | 0.0975% | 5,373 |
| Net operating income to assets | 1.3322% | 1,174 |
| Return on assets (ROA) | 1.3655% | 1,186 |
| Pretax return on assets | 1.3655% | 1,898 |
| Return on Equity (ROE) | 11.7438% | 1,478 |
| Retained earnings to average equity (ytd only) | 4.9921% | 2,645 |
| Net charge-offs to loans | 0.5817% | 2,703 |
| Credit loss provision to net charge-offs | 27.9387% | 5,812 |
| Earnings coverage of net charge-offs (x) | 4.0954% | 3,271 |
| Efficiency ratio | 67.7055% | 4,422 |
| Assets per employee ($millions) | 3.4371% | 5,163 |
| Cash dividends to net income (ytd only)* | 57.4913% | 1,676 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5887% | 3,629 |
| Loan loss allowance to noncurrent loans | 179.2391% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 1.3781% | 3,937 |
| Noncurrent loans to loans | 0.8864% | 4,918 |
| Net loans and leases to total assets | 60.6495% | 3,858 |
| Net loans and leases to deposits | 70.6014% | 4,006 |
| Net loans and leases to core deposits | 71.2848% | 4,621 |
| Total domestic deposits to total assets | 85.9040% | 3,371 |
| Equity capital to assets | 12.1330% | 2,025 |
| Core capital (leverage) ratio | 10.1707% | 3,134 |
| Tier 1 risk-based capital ratio | 15.2743% | 3,467 |
| Total risk-based capital ratio | 16.5264% | 3,426 |
| Memoranda: |
| Average total assets | $168,141,800 | 3,518 |
| Average earning assets | $159,078,200 | 3,422 |
| Average equity | $19,550,800 | 3,203 |
| Average total loans | $100,906,400 | 3,596 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3743% | 5,690 |
| Cost of funding earning assets | 1.1015% | 2,973 |
| Net interest margin | 3.2727% | 5,941 |
| Noninterest income to average assets | 1.2796% | 790 |
| Noninterest expense to average assets | 2.9613% | 3,701 |
| Loan and lease loss provision to assets | 0.1674% | 4,378 |
| Net operating income to assets | 1.2478% | 1,525 |
| Return on assets (ROA) | 1.2478% | 1,626 |
| Pretax return on assets | 1.2478% | 2,458 |
| Return on Equity (ROE) | 10.8499% | 1,914 |
| Retained earnings to average equity (ytd only) | 3.8833% | 3,955 |
| Net charge-offs to loans | 0.7626% | 2,040 |
| Credit loss provision to net charge-offs | 36.8237% | 5,304 |
| Earnings coverage of net charge-offs (x) | 3.1134% | 3,576 |
| Efficiency ratio | 67.6636% | 4,386 |
| Assets per employee ($millions) | 3.4016% | 5,244 |
| Cash dividends to net income (ytd only)* | 64.2084% | 1,061 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6967% | 3,283 |
| Loan loss allowance to noncurrent loans | 180.9524% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 1.3794% | 4,058 |
| Noncurrent loans to loans | 0.9376% | 5,006 |
| Net loans and leases to total assets | 58.2527% | 4,464 |
| Net loans and leases to deposits | 67.6529% | 4,670 |
| Net loans and leases to core deposits | 68.3507% | 5,141 |
| Total domestic deposits to total assets | 86.1052% | 3,169 |
| Equity capital to assets | 11.9821% | 2,264 |
| Core capital (leverage) ratio | 9.9206% | 3,546 |
| Tier 1 risk-based capital ratio | 15.2792% | 3,506 |
| Total risk-based capital ratio | 16.5324% | 3,470 |
| Memoranda: |
| Average total assets | $168,073,000 | 3,552 |
| Average earning assets | $159,048,000 | 3,446 |
| Average equity | $19,330,000 | 3,238 |
| Average total loans | $100,184,750 | 3,645 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3518% | 5,842 |
| Cost of funding earning assets | 1.1748% | 2,746 |
| Net interest margin | 3.1770% | 6,223 |
| Noninterest income to average assets | 1.1887% | 913 |
| Noninterest expense to average assets | 3.0417% | 3,472 |
| Loan and lease loss provision to assets | 0.1601% | 4,319 |
| Net operating income to assets | 0.9916% | 2,265 |
| Return on assets (ROA) | 0.9916% | 2,364 |
| Pretax return on assets | 0.9916% | 3,273 |
| Return on Equity (ROE) | 8.7459% | 2,621 |
| Retained earnings to average equity (ytd only) | 0.4742% | 5,659 |
| Net charge-offs to loans | 1.2902% | 1,200 |
| Credit loss provision to net charge-offs | 20.7752% | 5,121 |
| Earnings coverage of net charge-offs (x) | 1.4946% | 4,169 |
| Efficiency ratio | 72.5356% | 3,627 |
| Assets per employee ($millions) | 3.4004% | 5,196 |
| Cash dividends to net income (ytd only)* | 94.5783% | 548 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6085% | 3,665 |
| Loan loss allowance to noncurrent loans | 83.6101% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 1.3606% | 4,189 |
| Noncurrent loans to loans | 1.9238% | 3,577 |
| Net loans and leases to total assets | 57.3086% | 4,765 |
| Net loans and leases to deposits | 66.9014% | 4,870 |
| Net loans and leases to core deposits | 67.6143% | 5,328 |
| Total domestic deposits to total assets | 85.6613% | 3,513 |
| Equity capital to assets | 11.8078% | 2,236 |
| Core capital (leverage) ratio | 9.7861% | 3,538 |
| Tier 1 risk-based capital ratio | 15.3794% | 3,304 |
| Total risk-based capital ratio | 16.6317% | 3,260 |
| Memoranda: |
| Average total assets | $167,404,670 | 3,579 |
| Average earning assets | $158,324,000 | 3,471 |
| Average equity | $18,980,330 | 3,267 |
| Average total loans | $99,984,670 | 3,687 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2864% | 6,051 |
| Cost of funding earning assets | 1.2088% | 2,762 |
| Net interest margin | 3.0775% | 6,405 |
| Noninterest income to average assets | 1.1252% | 1,036 |
| Noninterest expense to average assets | 3.0203% | 3,558 |
| Loan and lease loss provision to assets | 0.1192% | 4,522 |
| Net operating income to assets | 0.8987% | 2,567 |
| Return on assets (ROA) | 0.8987% | 2,629 |
| Pretax return on assets | 0.8987% | 3,500 |
| Return on Equity (ROE) | 8.0930% | 2,866 |
| Retained earnings to average equity (ytd only) | -5.0017% | 6,517 |
| Net charge-offs to loans | -0.0394% | 6,812 |
| Credit loss provision to net charge-offs | -500.0000% | 5,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7934% | 3,368 |
| Assets per employee ($millions) | 3.5067% | 4,982 |
| Cash dividends to net income (ytd only)* | 161.8037% | 287 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1910% | 1,985 |
| Loan loss allowance to noncurrent loans | 72.6405% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 1.7437% | 3,648 |
| Noncurrent loans to loans | 3.0162% | 2,495 |
| Net loans and leases to total assets | 56.5437% | 4,903 |
| Net loans and leases to deposits | 66.1025% | 4,959 |
| Net loans and leases to core deposits | 66.8289% | 5,426 |
| Total domestic deposits to total assets | 85.5395% | 3,762 |
| Equity capital to assets | 11.0188% | 2,669 |
| Core capital (leverage) ratio | 9.5157% | 3,782 |
| Tier 1 risk-based capital ratio | 15.1899% | 3,327 |
| Total risk-based capital ratio | 16.4485% | 3,274 |
| Memoranda: |
| Average total assets | $167,797,500 | 3,592 |
| Average earning assets | $158,829,500 | 3,491 |
| Average equity | $18,633,500 | 3,306 |
| Average total loans | $101,453,000 | 3,685 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7170% | 5,748 |
| Cost of funding earning assets | 1.3518% | 3,560 |
| Net interest margin | 3.3652% | 5,746 |
| Noninterest income to average assets | 1.2160% | 1,017 |
| Noninterest expense to average assets | 2.9591% | 4,000 |
| Loan and lease loss provision to assets | 0.1901% | 5,331 |
| Net operating income to assets | 1.2314% | 1,339 |
| Return on assets (ROA) | 1.4780% | 863 |
| Pretax return on assets | 1.4916% | 1,399 |
| Return on Equity (ROE) | 13.0433% | 1,078 |
| Retained earnings to average equity (ytd only) | 7.8325% | 1,031 |
| Net charge-offs to loans | 0.8018% | 2,630 |
| Credit loss provision to net charge-offs | 37.2738% | 6,417 |
| Earnings coverage of net charge-offs (x) | 2.8094% | 3,674 |
| Efficiency ratio | 67.3810% | 4,687 |
| Assets per employee ($millions) | 3.5590% | 4,805 |
| Cash dividends to net income (ytd only)* | 39.9501% | 2,614 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9621% | 2,397 |
| Loan loss allowance to noncurrent loans | 81.9296% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 1.5119% | 4,046 |
| Noncurrent loans to loans | 2.3949% | 3,125 |
| Net loans and leases to total assets | 61.8907% | 4,311 |
| Net loans and leases to deposits | 73.5042% | 4,276 |
| Net loans and leases to core deposits | 74.4659% | 4,918 |
| Total domestic deposits to total assets | 84.2002% | 4,274 |
| Equity capital to assets | 11.1912% | 2,520 |
| Core capital (leverage) ratio | 9.6308% | 3,510 |
| Tier 1 risk-based capital ratio | 14.4141% | 3,607 |
| Total risk-based capital ratio | 15.6708% | 3,557 |
| Memoranda: |
| Average total assets | $162,580,800 | 3,651 |
| Average earning assets | $153,424,000 | 3,585 |
| Average equity | $18,423,200 | 3,363 |
| Average total loans | $103,387,400 | 3,695 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7490% | 5,858 |
| Cost of funding earning assets | 1.3666% | 3,797 |
| Net interest margin | 3.3824% | 5,740 |
| Noninterest income to average assets | 1.1722% | 1,012 |
| Noninterest expense to average assets | 2.8656% | 4,220 |
| Loan and lease loss provision to assets | 0.2280% | 4,792 |
| Net operating income to assets | 1.2556% | 1,459 |
| Return on assets (ROA) | 1.5868% | 835 |
| Pretax return on assets | 1.6025% | 1,340 |
| Return on Equity (ROE) | 13.9586% | 1,045 |
| Retained earnings to average equity (ytd only) | 10.6161% | 665 |
| Net charge-offs to loans | 1.0800% | 1,878 |
| Credit loss provision to net charge-offs | 33.1333% | 6,122 |
| Earnings coverage of net charge-offs (x) | 2.1741% | 4,095 |
| Efficiency ratio | 65.7008% | 4,923 |
| Assets per employee ($millions) | 3.5429% | 4,876 |
| Cash dividends to net income (ytd only)* | 23.9459% | 2,794 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9747% | 2,291 |
| Loan loss allowance to noncurrent loans | 80.2761% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 1.5224% | 4,164 |
| Noncurrent loans to loans | 2.4599% | 3,166 |
| Net loans and leases to total assets | 60.6664% | 4,785 |
| Net loans and leases to deposits | 72.6017% | 4,751 |
| Net loans and leases to core deposits | 73.4671% | 5,357 |
| Total domestic deposits to total assets | 83.5605% | 4,342 |
| Equity capital to assets | 11.4705% | 2,556 |
| Core capital (leverage) ratio | 10.0318% | 3,220 |
| Tier 1 risk-based capital ratio | 14.8856% | 3,308 |
| Total risk-based capital ratio | 16.1431% | 3,284 |
| Memoranda: |
| Average total assets | $161,407,500 | 3,731 |
| Average earning assets | $152,197,250 | 3,654 |
| Average equity | $18,349,000 | 3,418 |
| Average total loans | $102,834,500 | 3,770 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8025% | 5,794 |
| Cost of funding earning assets | 1.3944% | 3,907 |
| Net interest margin | 3.4082% | 5,608 |
| Noninterest income to average assets | 1.0895% | 1,126 |
| Noninterest expense to average assets | 2.7851% | 4,556 |
| Loan and lease loss provision to assets | 0.2617% | 4,307 |
| Net operating income to assets | 1.2461% | 1,433 |
| Return on assets (ROA) | 1.7482% | 580 |
| Pretax return on assets | 1.7607% | 947 |
| Return on Equity (ROE) | 15.4265% | 778 |
| Retained earnings to average equity (ytd only) | 13.2164% | 359 |
| Net charge-offs to loans | 1.6173% | 1,175 |
| Credit loss provision to net charge-offs | 25.1504% | 5,801 |
| Earnings coverage of net charge-offs (x) | 1.4561% | 4,396 |
| Efficiency ratio | 64.7641% | 5,195 |
| Assets per employee ($millions) | 3.2801% | 5,480 |
| Cash dividends to net income (ytd only)* | 14.3266% | 3,061 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9208% | 2,368 |
| Loan loss allowance to noncurrent loans | 82.3579% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 1.4882% | 4,229 |
| Noncurrent loans to loans | 2.3322% | 3,334 |
| Net loans and leases to total assets | 62.5860% | 4,562 |
| Net loans and leases to deposits | 74.8035% | 4,549 |
| Net loans and leases to core deposits | 75.5553% | 5,242 |
| Total domestic deposits to total assets | 83.6672% | 4,258 |
| Equity capital to assets | 11.7044% | 2,276 |
| Core capital (leverage) ratio | 10.1636% | 2,983 |
| Tier 1 risk-based capital ratio | 14.6476% | 3,358 |
| Total risk-based capital ratio | 15.9038% | 3,332 |
| Memoranda: |
| Average total assets | $159,705,330 | 3,797 |
| Average earning assets | $150,462,000 | 3,697 |
| Average equity | $18,098,670 | 3,449 |
| Average total loans | $102,761,670 | 3,811 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8807% | 5,556 |
| Cost of funding earning assets | 1.4559% | 3,829 |
| Net interest margin | 3.4248% | 5,480 |
| Noninterest income to average assets | 1.0252% | 1,221 |
| Noninterest expense to average assets | 2.7890% | 4,522 |
| Loan and lease loss provision to assets | 0.2663% | 3,894 |
| Net operating income to assets | 1.1760% | 1,601 |
| Return on assets (ROA) | 2.1835% | 285 |
| Pretax return on assets | 2.2086% | 412 |
| Return on Equity (ROE) | 19.5919% | 405 |
| Retained earnings to average equity (ytd only) | 17.3374% | 272 |
| Net charge-offs to loans | 3.3054% | 441 |
| Credit loss provision to net charge-offs | 12.4706% | 5,025 |
| Earnings coverage of net charge-offs (x) | 0.6824% | 4,417 |
| Efficiency ratio | 65.6805% | 5,190 |
| Assets per employee ($millions) | 3.2226% | 5,716 |
| Cash dividends to net income (ytd only)* | 11.5075% | 2,388 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8226% | 2,662 |
| Loan loss allowance to noncurrent loans | 65.2542% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 1.8017% | 3,785 |
| Noncurrent loans to loans | 2.7930% | 2,864 |
| Net loans and leases to total assets | 63.0419% | 4,526 |
| Net loans and leases to deposits | 74.9223% | 4,599 |
| Net loans and leases to core deposits | 75.5231% | 5,321 |
| Total domestic deposits to total assets | 84.1431% | 4,079 |
| Equity capital to assets | 11.4100% | 2,430 |
| Core capital (leverage) ratio | 9.8792% | 3,306 |
| Tier 1 risk-based capital ratio | 14.4861% | 3,381 |
| Total risk-based capital ratio | 15.7422% | 3,351 |
| Memoranda: |
| Average total assets | $159,195,000 | 3,859 |
| Average earning assets | $149,733,000 | 3,761 |
| Average equity | $17,742,000 | 3,533 |
| Average total loans | $102,861,500 | 3,862 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1450% | 5,900 |
| Cost of funding earning assets | 1.7289% | 4,361 |
| Net interest margin | 3.4161% | 5,308 |
| Noninterest income to average assets | 1.1212% | 1,222 |
| Noninterest expense to average assets | 3.3674% | 2,784 |
| Loan and lease loss provision to assets | 2.9483% | 596 |
| Net operating income to assets | -1.9696% | 7,078 |
| Return on assets (ROA) | -1.8126% | 7,012 |
| Pretax return on assets | -1.8126% | 6,864 |
| Return on Equity (ROE) | -15.9682% | 6,988 |
| Retained earnings to average equity (ytd only) | -17.7809% | 7,020 |
| Net charge-offs to loans | 4.0233% | 407 |
| Credit loss provision to net charge-offs | 109.1911% | 5,058 |
| Earnings coverage of net charge-offs (x) | 0.3625% | 5,754 |
| Efficiency ratio | 77.4800% | 3,272 |
| Assets per employee ($millions) | 3.3434% | 5,395 |
| Cash dividends to net income (ytd only)* | -11.3517% | 7,622 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4845% | 1,251 |
| Loan loss allowance to noncurrent loans | 71.6418% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 2.2544% | 3,060 |
| Noncurrent loans to loans | 3.4679% | 2,192 |
| Net loans and leases to total assets | 63.3932% | 4,726 |
| Net loans and leases to deposits | 75.3276% | 4,836 |
| Net loans and leases to core deposits | 82.9144% | 5,824 |
| Total domestic deposits to total assets | 84.1567% | 3,963 |
| Equity capital to assets | 10.8840% | 2,790 |
| Core capital (leverage) ratio | 9.1307% | 4,229 |
| Tier 1 risk-based capital ratio | 13.4493% | 3,849 |
| Total risk-based capital ratio | 14.7125% | 3,793 |
| Memoranda: |
| Average total assets | $157,953,400 | 3,812 |
| Average earning assets | $149,116,000 | 3,729 |
| Average equity | $17,929,400 | 3,513 |
| Average total loans | $106,007,800 | 3,775 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1764% | 5,981 |
| Cost of funding earning assets | 1.7819% | 4,467 |
| Net interest margin | 3.3945% | 5,292 |
| Noninterest income to average assets | 1.1001% | 1,313 |
| Noninterest expense to average assets | 3.0383% | 3,889 |
| Loan and lease loss provision to assets | 0.9526% | 2,019 |
| Net operating income to assets | 0.3127% | 4,749 |
| Return on assets (ROA) | 0.5187% | 3,999 |
| Pretax return on assets | 0.5288% | 4,426 |
| Return on Equity (ROE) | 4.5219% | 4,151 |
| Retained earnings to average equity (ytd only) | 2.1206% | 4,144 |
| Net charge-offs to loans | 0.9396% | 2,094 |
| Credit loss provision to net charge-offs | 149.8667% | 3,213 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 4,323 |
| Efficiency ratio | 70.5015% | 4,491 |
| Assets per employee ($millions) | 3.3050% | 5,390 |
| Cash dividends to net income (ytd only)* | 53.1042% | 1,877 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3786% | 1,196 |
| Loan loss allowance to noncurrent loans | 30.4832% | 6,426 |
| Noncurrent assets plus other real estate owned to assets | 5.2142% | 1,116 |
| Noncurrent loans to loans | 7.8029% | 640 |
| Net loans and leases to total assets | 65.2341% | 4,594 |
| Net loans and leases to deposits | 78.1168% | 4,725 |
| Net loans and leases to core deposits | 87.1360% | 5,736 |
| Total domestic deposits to total assets | 83.5084% | 3,958 |
| Equity capital to assets | 11.4404% | 2,641 |
| Core capital (leverage) ratio | 9.8084% | 3,508 |
| Tier 1 risk-based capital ratio | 13.8560% | 3,624 |
| Total risk-based capital ratio | 15.1186% | 3,565 |
| Memoranda: |
| Average total assets | $157,320,750 | 3,846 |
| Average earning assets | $148,747,500 | 3,747 |
| Average equity | $18,045,000 | 3,531 |
| Average total loans | $106,427,750 | 3,813 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3047% | 5,637 |
| Cost of funding earning assets | 1.8624% | 4,454 |
| Net interest margin | 3.4423% | 5,018 |
| Noninterest income to average assets | 0.9308% | 1,838 |
| Noninterest expense to average assets | 3.1647% | 3,456 |
| Loan and lease loss provision to assets | 0.7010% | 2,327 |
| Net operating income to assets | 0.3094% | 4,853 |
| Return on assets (ROA) | 0.6214% | 3,694 |
| Pretax return on assets | 0.6368% | 4,213 |
| Return on Equity (ROE) | 5.4126% | 3,899 |
| Retained earnings to average equity (ytd only) | 1.7781% | 4,348 |
| Net charge-offs to loans | 0.1871% | 4,391 |
| Credit loss provision to net charge-offs | 551.5152% | 842 |
| Earnings coverage of net charge-offs (x) | 8.0202% | 2,332 |
| Efficiency ratio | 75.6367% | 3,755 |
| Assets per employee ($millions) | 3.1334% | 5,766 |
| Cash dividends to net income (ytd only)* | 67.1488% | 1,455 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5085% | 888 |
| Loan loss allowance to noncurrent loans | 36.5255% | 5,983 |
| Noncurrent assets plus other real estate owned to assets | 4.4478% | 1,266 |
| Noncurrent loans to loans | 6.8678% | 724 |
| Net loans and leases to total assets | 63.1383% | 5,156 |
| Net loans and leases to deposits | 76.1360% | 5,153 |
| Net loans and leases to core deposits | 84.3957% | 6,064 |
| Total domestic deposits to total assets | 82.9283% | 4,275 |
| Equity capital to assets | 10.9712% | 2,947 |
| Core capital (leverage) ratio | 10.0324% | 3,261 |
| Tier 1 risk-based capital ratio | 14.1773% | 3,418 |
| Total risk-based capital ratio | 15.3886% | 3,375 |
| Memoranda: |
| Average total assets | $155,780,000 | 3,907 |
| Average earning assets | $147,227,670 | 3,791 |
| Average equity | $17,884,330 | 3,567 |
| Average total loans | $105,831,670 | 3,863 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5728% | 4,509 |
| Cost of funding earning assets | 1.9142% | 4,558 |
| Net interest margin | 3.6585% | 4,068 |
| Noninterest income to average assets | 0.9803% | 1,543 |
| Noninterest expense to average assets | 3.1879% | 3,042 |
| Loan and lease loss provision to assets | 0.9093% | 1,441 |
| Net operating income to assets | 0.3101% | 5,262 |
| Return on assets (ROA) | 0.3101% | 5,437 |
| Pretax return on assets | 0.3338% | 5,585 |
| Return on Equity (ROE) | 2.6386% | 5,511 |
| Retained earnings to average equity (ytd only) | -2.3926% | 6,175 |
| Net charge-offs to loans | 0.0189% | 5,302 |
| Credit loss provision to net charge-offs | 6,920.0000% | 104 |
| Earnings coverage of net charge-offs (x) | 94.6000% | 450 |
| Efficiency ratio | 71.9454% | 4,206 |
| Assets per employee ($millions) | 2.8661% | 6,484 |
| Cash dividends to net income (ytd only)* | 190.6780% | 318 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3980% | 852 |
| Loan loss allowance to noncurrent loans | 38.7998% | 5,962 |
| Noncurrent assets plus other real estate owned to assets | 4.3942% | 1,107 |
| Noncurrent loans to loans | 6.1803% | 754 |
| Net loans and leases to total assets | 69.3939% | 3,821 |
| Net loans and leases to deposits | 83.1015% | 4,117 |
| Net loans and leases to core deposits | 92.1077% | 5,337 |
| Total domestic deposits to total assets | 83.5050% | 3,919 |
| Equity capital to assets | 12.0304% | 2,238 |
| Core capital (leverage) ratio | 10.2476% | 3,155 |
| Tier 1 risk-based capital ratio | 13.9399% | 3,627 |
| Total risk-based capital ratio | 15.2029% | 3,542 |
| Memoranda: |
| Average total assets | $152,202,000 | 3,974 |
| Average earning assets | $143,555,000 | 3,881 |
| Average equity | $17,888,500 | 3,578 |
| Average total loans | $105,986,500 | 3,885 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1413% | 4,823 |
| Cost of funding earning assets | 2.2507% | 5,367 |
| Net interest margin | 3.8906% | 3,609 |
| Noninterest income to average assets | 1.2992% | 868 |
| Noninterest expense to average assets | 3.1980% | 3,344 |
| Loan and lease loss provision to assets | 0.7419% | 2,000 |
| Net operating income to assets | 0.9452% | 2,810 |
| Return on assets (ROA) | 0.7326% | 3,582 |
| Pretax return on assets | 0.7690% | 4,182 |
| Return on Equity (ROE) | 6.2972% | 3,827 |
| Retained earnings to average equity (ytd only) | -1.3823% | 5,702 |
| Net charge-offs to loans | 0.0814% | 5,601 |
| Credit loss provision to net charge-offs | 1,418.9873% | 319 |
| Earnings coverage of net charge-offs (x) | 33.1772% | 1,088 |
| Efficiency ratio | 64.8330% | 5,365 |
| Assets per employee ($millions) | 2.9878% | 6,084 |
| Cash dividends to net income (ytd only)* | 121.9512% | 659 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0753% | 1,109 |
| Loan loss allowance to noncurrent loans | 54.7536% | 5,236 |
| Noncurrent assets plus other real estate owned to assets | 2.5862% | 1,864 |
| Noncurrent loans to loans | 3.7903% | 1,313 |
| Net loans and leases to total assets | 66.8156% | 4,676 |
| Net loans and leases to deposits | 79.5390% | 5,124 |
| Net loans and leases to core deposits | 87.1875% | 6,045 |
| Total domestic deposits to total assets | 84.0035% | 3,319 |
| Equity capital to assets | 11.4871% | 2,643 |
| Core capital (leverage) ratio | 10.0199% | 3,427 |
| Tier 1 risk-based capital ratio | 13.8562% | 3,618 |
| Total risk-based capital ratio | 15.1154% | 3,530 |
| Memoranda: |
| Average total assets | $151,095,800 | 3,877 |
| Average earning assets | $141,110,000 | 3,823 |
| Average equity | $17,579,200 | 3,632 |
| Average total loans | $97,091,200 | 4,029 |
