| 2025-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0802% | 2,967 |
| Cost of funding earning assets | 2.0070% | 1,910 |
| Net interest margin | 3.0732% | 3,257 |
| Noninterest income to average assets | 0.5100% | 1,697 |
| Noninterest expense to average assets | 2.7171% | 1,710 |
| Loan and lease loss provision to assets | 0.1500% | 856 |
| Net operating income to assets | 0.0780% | 4,094 |
| Return on assets (ROA) | 0.0780% | 4,120 |
| Pretax return on assets | 0.3573% | 3,880 |
| Return on Equity (ROE) | 1.2900% | 4,058 |
| Retained earnings to average equity (ytd only) | -4.1802% | 4,039 |
| Net charge-offs to loans | 0.0076% | 1,962 |
| Credit loss provision to net charge-offs | 3,750.0000% | 111 |
| Earnings coverage of net charge-offs (x) | 129.1667% | 591 |
| Efficiency ratio | 84.0226% | 731 |
| Assets per employee ($millions) | 6.6615% | 2,451 |
| Cash dividends to net income (ytd only)* | 425.0000% | 39 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3478% | 1,499 |
| Loan loss allowance to noncurrent loans | 140.8003% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 0.6011% | 1,250 |
| Noncurrent loans to loans | 0.9572% | 1,116 |
| Net loans and leases to total assets | 50.7200% | 3,536 |
| Net loans and leases to deposits | 54.6991% | 3,706 |
| Net loans and leases to core deposits | 60.5173% | 3,675 |
| Total domestic deposits to total assets | 92.7300% | 166 |
| Equity capital to assets | 6.7520% | 4,095 |
| Core capital (leverage) ratio | 9.6541% | 3,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8598% | 1,097 |
| Memoranda: |
| Average total assets | $615,648,000 | 1,522 |
| Average earning assets | $542,105,500 | 1,584 |
| Average equity | $37,319,000 | 2,141 |
| Average total loans | $316,199,000 | 1,818 |
| 2024-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0446% | 3,020 |
| Cost of funding earning assets | 2.3976% | 1,356 |
| Net interest margin | 2.6470% | 3,711 |
| Noninterest income to average assets | 0.6500% | 1,347 |
| Noninterest expense to average assets | 2.4275% | 2,510 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 0.5619% | 3,324 |
| Return on assets (ROA) | 0.5619% | 3,344 |
| Pretax return on assets | 0.5619% | 3,535 |
| Return on Equity (ROE) | 10.5700% | 2,010 |
| Retained earnings to average equity (ytd only) | 2.8395% | 3,101 |
| Net charge-offs to loans | 0.0651% | 1,484 |
| Credit loss provision to net charge-offs | 112.6263% | 1,743 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,873 |
| Efficiency ratio | 80.2781% | 1,026 |
| Assets per employee ($millions) | 6.6497% | 2,406 |
| Cash dividends to net income (ytd only)* | 73.1438% | 727 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2980% | 1,685 |
| Loan loss allowance to noncurrent loans | 246.9091% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.4201% | 1,647 |
| Noncurrent loans to loans | 0.5257% | 1,761 |
| Net loans and leases to total assets | 50.6400% | 3,596 |
| Net loans and leases to deposits | 55.2342% | 3,746 |
| Net loans and leases to core deposits | 60.6070% | 3,730 |
| Total domestic deposits to total assets | 91.6800% | 360 |
| Equity capital to assets | 5.3627% | 4,304 |
| Core capital (leverage) ratio | 9.3607% | 3,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2227% | 1,016 |
| Memoranda: |
| Average total assets | $644,832,600 | 1,435 |
| Average earning assets | $576,040,200 | 1,485 |
| Average equity | $34,266,000 | 2,202 |
| Average total loans | $304,292,400 | 1,837 |
| 2024-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9653% | 3,088 |
| Cost of funding earning assets | 2.4358% | 1,288 |
| Net interest margin | 2.5295% | 3,844 |
| Noninterest income to average assets | 0.6200% | 1,407 |
| Noninterest expense to average assets | 2.4047% | 2,511 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 0.4499% | 3,584 |
| Return on assets (ROA) | 0.4499% | 3,617 |
| Pretax return on assets | 0.4499% | 3,734 |
| Return on Equity (ROE) | 8.4900% | 2,613 |
| Retained earnings to average equity (ytd only) | 0.4967% | 3,849 |
| Net charge-offs to loans | 0.0738% | 1,163 |
| Credit loss provision to net charge-offs | 46.1078% | 2,075 |
| Earnings coverage of net charge-offs (x) | 14.0539% | 1,967 |
| Efficiency ratio | 83.0313% | 883 |
| Assets per employee ($millions) | 7.1104% | 2,065 |
| Cash dividends to net income (ytd only)* | 94.1470% | 307 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2739% | 1,834 |
| Loan loss allowance to noncurrent loans | 1,602.8340% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.1784% | 2,570 |
| Noncurrent loans to loans | 0.0795% | 3,286 |
| Net loans and leases to total assets | 46.9000% | 3,779 |
| Net loans and leases to deposits | 55.9511% | 3,747 |
| Net loans and leases to core deposits | 60.7181% | 3,763 |
| Total domestic deposits to total assets | 83.8300% | 2,632 |
| Equity capital to assets | 6.1118% | 4,318 |
| Core capital (leverage) ratio | 9.0943% | 3,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1890% | 1,059 |
| Memoranda: |
| Average total assets | $653,096,750 | 1,412 |
| Average earning assets | $584,815,000 | 1,462 |
| Average equity | $34,630,500 | 2,181 |
| Average total loans | $301,898,250 | 1,839 |
| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9336% | 3,064 |
| Cost of funding earning assets | 2.4574% | 1,157 |
| Net interest margin | 2.4762% | 3,912 |
| Noninterest income to average assets | 0.6100% | 1,411 |
| Noninterest expense to average assets | 2.3847% | 2,561 |
| Loan and lease loss provision to assets | 0.0400% | 2,101 |
| Net operating income to assets | 0.3989% | 3,662 |
| Return on assets (ROA) | 0.3989% | 3,700 |
| Pretax return on assets | 0.3989% | 3,803 |
| Return on Equity (ROE) | 7.9300% | 2,751 |
| Retained earnings to average equity (ytd only) | -0.4445% | 3,978 |
| Net charge-offs to loans | 0.0622% | 1,145 |
| Credit loss provision to net charge-offs | 81.7204% | 1,635 |
| Earnings coverage of net charge-offs (x) | 15.5269% | 1,771 |
| Efficiency ratio | 83.9818% | 861 |
| Assets per employee ($millions) | 7.0426% | 2,052 |
| Cash dividends to net income (ytd only)* | 105.6068% | 326 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3402% | 1,574 |
| Loan loss allowance to noncurrent loans | 1,527.2727% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.1625% | 2,590 |
| Noncurrent loans to loans | 0.0878% | 3,219 |
| Net loans and leases to total assets | 45.3200% | 3,860 |
| Net loans and leases to deposits | 53.3096% | 3,835 |
| Net loans and leases to core deposits | 58.8098% | 3,802 |
| Total domestic deposits to total assets | 85.0100% | 2,315 |
| Equity capital to assets | 4.9395% | 4,374 |
| Core capital (leverage) ratio | 8.9049% | 3,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5457% | 996 |
| Memoranda: |
| Average total assets | $652,742,000 | 1,413 |
| Average earning assets | $585,004,333 | 1,461 |
| Average equity | $32,847,000 | 2,235 |
| Average total loans | $298,934,333 | 1,847 |
| 2024-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8899% | 2,994 |
| Cost of funding earning assets | 2.4008% | 1,170 |
| Net interest margin | 2.4891% | 3,876 |
| Noninterest income to average assets | 0.6100% | 1,335 |
| Noninterest expense to average assets | 2.4222% | 2,455 |
| Loan and lease loss provision to assets | 0.0900% | 1,130 |
| Net operating income to assets | 0.3364% | 3,745 |
| Return on assets (ROA) | 0.3364% | 3,766 |
| Pretax return on assets | 0.3364% | 3,867 |
| Return on Equity (ROE) | 6.6200% | 3,048 |
| Retained earnings to average equity (ytd only) | -1.8372% | 3,914 |
| Net charge-offs to loans | 0.1262% | 632 |
| Credit loss provision to net charge-offs | 77.6596% | 1,297 |
| Earnings coverage of net charge-offs (x) | 7.3085% | 1,777 |
| Efficiency ratio | 84.8047% | 856 |
| Assets per employee ($millions) | 6.9710% | 2,109 |
| Cash dividends to net income (ytd only)* | 127.7372% | 371 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3644% | 1,511 |
| Loan loss allowance to noncurrent loans | 574.6077% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.2243% | 2,243 |
| Noncurrent loans to loans | 0.2374% | 2,470 |
| Net loans and leases to total assets | 43.5100% | 3,903 |
| Net loans and leases to deposits | 50.8574% | 3,890 |
| Net loans and leases to core deposits | 58.6971% | 3,818 |
| Total domestic deposits to total assets | 85.5600% | 2,237 |
| Equity capital to assets | 4.7623% | 4,402 |
| Core capital (leverage) ratio | 9.0510% | 3,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7138% | 971 |
| Memoranda: |
| Average total assets | $651,630,000 | 1,421 |
| Average earning assets | $584,309,500 | 1,461 |
| Average equity | $33,094,500 | 2,223 |
| Average total loans | $297,974,500 | 1,849 |
| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5309% | 3,042 |
| Cost of funding earning assets | 1.8259% | 1,206 |
| Net interest margin | 2.7050% | 3,811 |
| Noninterest income to average assets | 0.6700% | 1,291 |
| Noninterest expense to average assets | 2.3101% | 2,826 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.7115% | 3,165 |
| Return on assets (ROA) | 0.7146% | 3,132 |
| Pretax return on assets | 0.7146% | 3,406 |
| Return on Equity (ROE) | 15.7700% | 1,139 |
| Retained earnings to average equity (ytd only) | 4.8848% | 2,640 |
| Net charge-offs to loans | 0.0978% | 923 |
| Credit loss provision to net charge-offs | 158.5616% | 1,420 |
| Earnings coverage of net charge-offs (x) | 16.9726% | 1,986 |
| Efficiency ratio | 73.8956% | 1,473 |
| Assets per employee ($millions) | 6.4699% | 2,436 |
| Cash dividends to net income (ytd only)* | 69.0201% | 879 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3464% | 1,588 |
| Loan loss allowance to noncurrent loans | 533.4651% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.2459% | 1,985 |
| Noncurrent loans to loans | 0.2524% | 2,287 |
| Net loans and leases to total assets | 46.7900% | 3,783 |
| Net loans and leases to deposits | 53.8686% | 3,805 |
| Net loans and leases to core deposits | 61.0282% | 3,727 |
| Total domestic deposits to total assets | 86.8600% | 1,731 |
| Equity capital to assets | 5.4127% | 4,354 |
| Core capital (leverage) ratio | 9.2751% | 3,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4097% | 1,012 |
| Memoranda: |
| Average total assets | $618,424,600 | 1,441 |
| Average earning assets | $558,967,600 | 1,471 |
| Average equity | $28,025,800 | 2,359 |
| Average total loans | $298,610,400 | 1,795 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 28,478.0000% | 25 |
| Cost of funding earning assets | 417.0000% | 13 |
| Net interest margin | 0.0000% | 4,578 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 0.7281% | 3,223 |
| Pretax return on assets | 0.7281% | 3,491 |
| Return on Equity (ROE) | 16.9200% | 1,089 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0338% | 1,409 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 6.0354% | 4,584 |
| Assets per employee ($millions) | 0.1508% | 4,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | 0.0000% | 4,499 |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 2.0000% | 4,557 |
| Equity capital to assets | 2,297.0000% | 38 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $432,000 | 4,633 |
| Average earning assets | $4,863 | 4,605 |
| Average equity | $0 | 4,568 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2492% | 3,200 |
| Cost of funding earning assets | 1.4012% | 1,445 |
| Net interest margin | 2.8480% | 3,737 |
| Noninterest income to average assets | 0.6600% | 1,238 |
| Noninterest expense to average assets | 2.2981% | 2,812 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 0.8574% | 2,897 |
| Return on assets (ROA) | 0.8636% | 2,877 |
| Pretax return on assets | 0.8636% | 3,254 |
| Return on Equity (ROE) | 18.7400% | 865 |
| Retained earnings to average equity (ytd only) | 5.9909% | 2,625 |
| Net charge-offs to loans | 0.0760% | 817 |
| Credit loss provision to net charge-offs | 248.2143% | 961 |
| Earnings coverage of net charge-offs (x) | 25.9375% | 1,618 |
| Efficiency ratio | 70.4504% | 1,725 |
| Assets per employee ($millions) | 6.5763% | 2,234 |
| Cash dividends to net income (ytd only)* | 68.0272% | 793 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4114% | 1,489 |
| Loan loss allowance to noncurrent loans | 208.6492% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.3365% | 1,574 |
| Noncurrent loans to loans | 0.6765% | 1,105 |
| Net loans and leases to total assets | 49.0400% | 3,617 |
| Net loans and leases to deposits | 54.1320% | 3,741 |
| Net loans and leases to core deposits | 60.5155% | 3,603 |
| Total domestic deposits to total assets | 90.6000% | 757 |
| Equity capital to assets | 4.6081% | 4,431 |
| Core capital (leverage) ratio | 9.5221% | 3,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1220% | 1,102 |
| Memoranda: |
| Average total assets | $612,776,000 | 1,445 |
| Average earning assets | $557,232,667 | 1,471 |
| Average equity | $28,242,667 | 2,342 |
| Average total loans | $294,740,000 | 1,802 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1678% | 3,107 |
| Cost of funding earning assets | 1.1459% | 1,611 |
| Net interest margin | 3.0219% | 3,547 |
| Noninterest income to average assets | 0.6600% | 1,223 |
| Noninterest expense to average assets | 2.4279% | 2,447 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.9071% | 2,827 |
| Return on assets (ROA) | 0.9195% | 2,747 |
| Pretax return on assets | 0.9195% | 3,186 |
| Return on Equity (ROE) | 19.9500% | 771 |
| Retained earnings to average equity (ytd only) | 11.4599% | 1,365 |
| Net charge-offs to loans | 0.1048% | 580 |
| Credit loss provision to net charge-offs | 182.8947% | 865 |
| Earnings coverage of net charge-offs (x) | 20.1316% | 1,450 |
| Efficiency ratio | 70.5502% | 1,697 |
| Assets per employee ($millions) | 6.0592% | 2,707 |
| Cash dividends to net income (ytd only)* | 42.5532% | 1,383 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4185% | 1,552 |
| Loan loss allowance to noncurrent loans | 193.8483% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.3568% | 1,442 |
| Noncurrent loans to loans | 0.7318% | 1,045 |
| Net loans and leases to total assets | 48.0700% | 3,629 |
| Net loans and leases to deposits | 51.5418% | 3,816 |
| Net loans and leases to core deposits | 54.9728% | 3,794 |
| Total domestic deposits to total assets | 93.2600% | 264 |
| Equity capital to assets | 5.2964% | 4,372 |
| Core capital (leverage) ratio | 9.9704% | 2,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7254% | 1,035 |
| Memoranda: |
| Average total assets | $613,367,500 | 1,467 |
| Average earning assets | $560,967,000 | 1,489 |
| Average equity | $28,272,500 | 2,373 |
| Average total loans | $289,996,500 | 1,835 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7172% | 2,480 |
| Cost of funding earning assets | 0.3599% | 2,403 |
| Net interest margin | 3.3573% | 2,395 |
| Noninterest income to average assets | 0.8600% | 871 |
| Noninterest expense to average assets | 2.7935% | 1,330 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.0567% | 2,350 |
| Return on assets (ROA) | 1.0551% | 2,301 |
| Pretax return on assets | 1.0551% | 2,902 |
| Return on Equity (ROE) | 18.1200% | 683 |
| Retained earnings to average equity (ytd only) | -0.7981% | 4,433 |
| Net charge-offs to loans | 0.0693% | 954 |
| Credit loss provision to net charge-offs | 283.6735% | 940 |
| Earnings coverage of net charge-offs (x) | 36.4847% | 1,562 |
| Efficiency ratio | 70.6418% | 1,601 |
| Assets per employee ($millions) | 6.1466% | 2,640 |
| Cash dividends to net income (ytd only)* | 104.4039% | 176 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4507% | 1,334 |
| Loan loss allowance to noncurrent loans | 220.0426% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 0.3022% | 1,646 |
| Noncurrent loans to loans | 0.6593% | 1,130 |
| Net loans and leases to total assets | 45.1700% | 3,838 |
| Net loans and leases to deposits | 47.2991% | 4,000 |
| Net loans and leases to core deposits | 49.7073% | 3,988 |
| Total domestic deposits to total assets | 95.5000% | 106 |
| Equity capital to assets | 3.9389% | 4,525 |
| Core capital (leverage) ratio | 9.8125% | 2,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0154% | 975 |
| Memoranda: |
| Average total assets | $624,128,400 | 1,432 |
| Average earning assets | $572,365,000 | 1,444 |
| Average equity | $36,337,200 | 2,056 |
| Average total loans | $283,010,400 | 1,797 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5984% | 2,353 |
| Cost of funding earning assets | 0.2212% | 3,022 |
| Net interest margin | 3.3772% | 2,048 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 2.4893% | 2,045 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.0682% | 2,219 |
| Return on assets (ROA) | 1.0661% | 2,187 |
| Pretax return on assets | 1.0661% | 2,827 |
| Return on Equity (ROE) | 16.9500% | 801 |
| Retained earnings to average equity (ytd only) | -2.2997% | 4,505 |
| Net charge-offs to loans | 0.0675% | 819 |
| Credit loss provision to net charge-offs | 291.6084% | 826 |
| Earnings coverage of net charge-offs (x) | 37.9301% | 1,411 |
| Efficiency ratio | 67.9733% | 2,033 |
| Assets per employee ($millions) | 5.7941% | 2,935 |
| Cash dividends to net income (ytd only)* | 113.5681% | 164 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4383% | 1,485 |
| Loan loss allowance to noncurrent loans | 125.0619% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 0.5312% | 1,016 |
| Noncurrent loans to loans | 1.1501% | 643 |
| Net loans and leases to total assets | 45.5300% | 3,789 |
| Net loans and leases to deposits | 47.5518% | 3,967 |
| Net loans and leases to core deposits | 49.4577% | 3,977 |
| Total domestic deposits to total assets | 95.7500% | 149 |
| Equity capital to assets | 3.4917% | 4,544 |
| Core capital (leverage) ratio | 9.6707% | 2,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0511% | 979 |
| Memoranda: |
| Average total assets | $624,957,750 | 1,438 |
| Average earning assets | $572,644,500 | 1,448 |
| Average equity | $39,308,250 | 1,969 |
| Average total loans | $282,626,500 | 1,795 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5300% | 2,042 |
| Cost of funding earning assets | 0.1506% | 3,565 |
| Net interest margin | 3.3794% | 1,663 |
| Noninterest income to average assets | 0.5152% | 2,113 |
| Noninterest expense to average assets | 2.4765% | 2,008 |
| Loan and lease loss provision to assets | 0.0882% | 1,118 |
| Net operating income to assets | 1.0389% | 2,024 |
| Return on assets (ROA) | 1.0389% | 1,994 |
| Pretax return on assets | 1.0389% | 2,611 |
| Return on Equity (ROE) | 14.4496% | 1,011 |
| Retained earnings to average equity (ytd only) | 7.9418% | 1,640 |
| Net charge-offs to loans | 0.0530% | 864 |
| Credit loss provision to net charge-offs | 370.6667% | 723 |
| Earnings coverage of net charge-offs (x) | 47.3733% | 1,182 |
| Efficiency ratio | 68.4243% | 2,185 |
| Assets per employee ($millions) | 5.9002% | 2,834 |
| Cash dividends to net income (ytd only)* | 45.0382% | 1,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3939% | 1,782 |
| Loan loss allowance to noncurrent loans | 119.8973% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 0.5611% | 1,008 |
| Noncurrent loans to loans | 1.1626% | 692 |
| Net loans and leases to total assets | 45.7796% | 3,724 |
| Net loans and leases to deposits | 48.6769% | 3,889 |
| Net loans and leases to core deposits | 50.4332% | 3,915 |
| Total domestic deposits to total assets | 94.0478% | 272 |
| Equity capital to assets | 4.7684% | 4,524 |
| Core capital (leverage) ratio | 9.9686% | 2,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4449% | 927 |
| Memoranda: |
| Average total assets | $630,483,333 | 1,431 |
| Average earning assets | $576,196,667 | 1,454 |
| Average equity | $45,330,000 | 1,819 |
| Average total loans | $283,158,333 | 1,785 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5872% | 1,540 |
| Cost of funding earning assets | 0.1010% | 4,121 |
| Net interest margin | 3.4862% | 1,116 |
| Noninterest income to average assets | 0.5071% | 2,107 |
| Noninterest expense to average assets | 2.2926% | 2,527 |
| Loan and lease loss provision to assets | 0.0870% | 955 |
| Net operating income to assets | 1.3053% | 992 |
| Return on assets (ROA) | 1.3053% | 984 |
| Pretax return on assets | 1.3053% | 1,494 |
| Return on Equity (ROE) | 15.6282% | 568 |
| Retained earnings to average equity (ytd only) | 15.6282% | 252 |
| Net charge-offs to loans | 0.0411% | 871 |
| Credit loss provision to net charge-offs | 479.3103% | 532 |
| Earnings coverage of net charge-offs (x) | 76.6897% | 761 |
| Efficiency ratio | 61.9266% | 3,269 |
| Assets per employee ($millions) | 6.4697% | 2,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3932% | 1,930 |
| Loan loss allowance to noncurrent loans | 97.2905% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 0.6223% | 958 |
| Noncurrent loans to loans | 1.4320% | 587 |
| Net loans and leases to total assets | 42.8532% | 3,828 |
| Net loans and leases to deposits | 46.5635% | 3,949 |
| Net loans and leases to core deposits | 48.3382% | 3,968 |
| Total domestic deposits to total assets | 92.0319% | 568 |
| Equity capital to assets | 7.3600% | 4,011 |
| Core capital (leverage) ratio | 9.8133% | 2,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0775% | 895 |
| Memoranda: |
| Average total assets | $638,913,500 | 1,415 |
| Average earning assets | $582,410,000 | 1,445 |
| Average equity | $53,365,000 | 1,641 |
| Average total loans | $282,295,000 | 1,780 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4101% | 2,905 |
| Cost of funding earning assets | 0.3060% | 2,350 |
| Net interest margin | 3.1041% | 2,891 |
| Noninterest income to average assets | 0.6338% | 2,010 |
| Noninterest expense to average assets | 2.5601% | 1,991 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0130% | 2,622 |
| Return on assets (ROA) | 1.0446% | 2,578 |
| Pretax return on assets | 1.0446% | 3,139 |
| Return on Equity (ROE) | 11.7407% | 1,901 |
| Retained earnings to average equity (ytd only) | 8.5242% | 1,336 |
| Net charge-offs to loans | -0.3430% | 4,756 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6482% | 1,548 |
| Assets per employee ($millions) | 6.5371% | 2,300 |
| Cash dividends to net income (ytd only)* | 27.3961% | 2,689 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2989% | 383 |
| Loan loss allowance to noncurrent loans | 40.6987% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 2.4259% | 110 |
| Noncurrent loans to loans | 5.6486% | 57 |
| Net loans and leases to total assets | 41.3010% | 4,012 |
| Net loans and leases to deposits | 45.5787% | 4,116 |
| Net loans and leases to core deposits | 48.1351% | 4,085 |
| Total domestic deposits to total assets | 90.6146% | 664 |
| Equity capital to assets | 9.1937% | 3,429 |
| Core capital (leverage) ratio | 9.4788% | 2,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6531% | 1,128 |
| Memoranda: |
| Average total assets | $338,582,600 | 2,252 |
| Average earning assets | $320,605,600 | 2,227 |
| Average equity | $30,126,000 | 2,525 |
| Average total loans | $155,092,000 | 2,586 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5160% | 2,778 |
| Cost of funding earning assets | 0.3483% | 2,130 |
| Net interest margin | 3.1677% | 2,837 |
| Noninterest income to average assets | 0.4789% | 2,716 |
| Noninterest expense to average assets | 2.4427% | 2,295 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0330% | 2,795 |
| Return on assets (ROA) | 1.0746% | 2,699 |
| Pretax return on assets | 1.0746% | 3,256 |
| Return on Equity (ROE) | 12.1816% | 1,991 |
| Retained earnings to average equity (ytd only) | 8.5851% | 1,846 |
| Net charge-offs to loans | -0.4629% | 4,836 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2792% | 1,572 |
| Assets per employee ($millions) | 6.0420% | 2,652 |
| Cash dividends to net income (ytd only)* | 29.5245% | 2,103 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2302% | 434 |
| Loan loss allowance to noncurrent loans | 34.7875% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 2.8111% | 100 |
| Noncurrent loans to loans | 6.4109% | 53 |
| Net loans and leases to total assets | 42.2960% | 4,071 |
| Net loans and leases to deposits | 46.7297% | 4,200 |
| Net loans and leases to core deposits | 49.3971% | 4,175 |
| Total domestic deposits to total assets | 90.5121% | 559 |
| Equity capital to assets | 9.1811% | 3,670 |
| Core capital (leverage) ratio | 9.1595% | 3,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5762% | 1,226 |
| Memoranda: |
| Average total assets | $336,612,250 | 2,279 |
| Average earning assets | $318,457,750 | 2,260 |
| Average equity | $29,694,250 | 2,586 |
| Average total loans | $157,250,000 | 2,606 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7162% | 2,289 |
| Cost of funding earning assets | 0.3854% | 2,011 |
| Net interest margin | 3.3308% | 2,350 |
| Noninterest income to average assets | 0.3229% | 3,495 |
| Noninterest expense to average assets | 2.4698% | 2,242 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9976% | 2,890 |
| Return on assets (ROA) | 1.0289% | 2,874 |
| Pretax return on assets | 1.0289% | 3,374 |
| Return on Equity (ROE) | 11.8333% | 2,125 |
| Retained earnings to average equity (ytd only) | 8.4939% | 1,897 |
| Net charge-offs to loans | -0.5002% | 4,872 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2300% | 1,503 |
| Assets per employee ($millions) | 5.7202% | 2,874 |
| Cash dividends to net income (ytd only)* | 28.2201% | 2,142 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9882% | 615 |
| Loan loss allowance to noncurrent loans | 31.7401% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 2.9940% | 92 |
| Noncurrent loans to loans | 6.2639% | 57 |
| Net loans and leases to total assets | 45.6907% | 3,924 |
| Net loans and leases to deposits | 50.3102% | 4,088 |
| Net loans and leases to core deposits | 53.8413% | 4,028 |
| Total domestic deposits to total assets | 90.8180% | 432 |
| Equity capital to assets | 8.9204% | 3,869 |
| Core capital (leverage) ratio | 9.2878% | 3,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6709% | 1,426 |
| Memoranda: |
| Average total assets | $332,004,000 | 2,295 |
| Average earning assets | $313,435,333 | 2,268 |
| Average equity | $28,867,667 | 2,631 |
| Average total loans | $159,132,667 | 2,605 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4844% | 2,967 |
| Cost of funding earning assets | 0.4290% | 1,869 |
| Net interest margin | 3.0554% | 3,116 |
| Noninterest income to average assets | 0.3734% | 3,231 |
| Noninterest expense to average assets | 2.6247% | 1,816 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6281% | 3,869 |
| Return on assets (ROA) | 0.6281% | 3,940 |
| Pretax return on assets | 0.6281% | 4,150 |
| Return on Equity (ROE) | 7.3256% | 3,517 |
| Retained earnings to average equity (ytd only) | 1.4565% | 4,131 |
| Net charge-offs to loans | -1.4438% | 4,925 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6918% | 780 |
| Assets per employee ($millions) | 4.9994% | 3,658 |
| Cash dividends to net income (ytd only)* | 80.1181% | 584 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1601% | 453 |
| Loan loss allowance to noncurrent loans | 31.7656% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 3.3854% | 82 |
| Noncurrent loans to loans | 6.8000% | 49 |
| Net loans and leases to total assets | 47.4474% | 3,862 |
| Net loans and leases to deposits | 51.9898% | 4,046 |
| Net loans and leases to core deposits | 56.0879% | 3,967 |
| Total domestic deposits to total assets | 91.2629% | 306 |
| Equity capital to assets | 8.2783% | 4,299 |
| Core capital (leverage) ratio | 8.4359% | 4,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2939% | 1,814 |
| Memoranda: |
| Average total assets | $323,540,500 | 2,326 |
| Average earning assets | $304,906,000 | 2,300 |
| Average equity | $27,738,500 | 2,690 |
| Average total loans | $157,367,500 | 2,621 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8758% | 3,098 |
| Cost of funding earning assets | 0.6388% | 2,067 |
| Net interest margin | 3.2370% | 3,257 |
| Noninterest income to average assets | 0.3833% | 3,191 |
| Noninterest expense to average assets | 2.6579% | 2,363 |
| Loan and lease loss provision to assets | 0.2392% | 1,627 |
| Net operating income to assets | 0.5219% | 3,979 |
| Return on assets (ROA) | 0.5219% | 4,065 |
| Pretax return on assets | 0.5219% | 4,233 |
| Return on Equity (ROE) | 5.7473% | 3,661 |
| Retained earnings to average equity (ytd only) | 1.5186% | 4,024 |
| Net charge-offs to loans | -0.1720% | 4,877 |
| Credit loss provision to net charge-offs | -239.2739% | 3,823 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7403% | 1,055 |
| Assets per employee ($millions) | 4.8807% | 3,522 |
| Cash dividends to net income (ytd only)* | 73.5777% | 834 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8040% | 845 |
| Loan loss allowance to noncurrent loans | 28.7438% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 3.1503% | 106 |
| Noncurrent loans to loans | 6.2763% | 49 |
| Net loans and leases to total assets | 47.9047% | 3,982 |
| Net loans and leases to deposits | 52.7074% | 4,184 |
| Net loans and leases to core deposits | 56.9249% | 4,104 |
| Total domestic deposits to total assets | 90.8880% | 251 |
| Equity capital to assets | 8.8711% | 4,171 |
| Core capital (leverage) ratio | 8.4453% | 4,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8201% | 1,592 |
| Memoranda: |
| Average total assets | $303,131,400 | 2,281 |
| Average earning assets | $284,279,600 | 2,263 |
| Average equity | $27,526,000 | 2,635 |
| Average total loans | $176,125,800 | 2,434 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0078% | 2,952 |
| Cost of funding earning assets | 0.6874% | 2,105 |
| Net interest margin | 3.3204% | 3,126 |
| Noninterest income to average assets | 0.3615% | 3,298 |
| Noninterest expense to average assets | 2.6650% | 2,353 |
| Loan and lease loss provision to assets | 0.3241% | 1,209 |
| Net operating income to assets | 0.4830% | 4,078 |
| Return on assets (ROA) | 0.4830% | 4,152 |
| Pretax return on assets | 0.4830% | 4,310 |
| Return on Equity (ROE) | 5.2865% | 3,797 |
| Retained earnings to average equity (ytd only) | -0.4059% | 4,542 |
| Net charge-offs to loans | 0.0280% | 2,272 |
| Credit loss provision to net charge-offs | 1,907.8947% | 496 |
| Earnings coverage of net charge-offs (x) | 47.5263% | 1,231 |
| Efficiency ratio | 76.7568% | 1,137 |
| Assets per employee ($millions) | 5.7317% | 2,516 |
| Cash dividends to net income (ytd only)* | 107.6781% | 243 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3928% | 1,762 |
| Loan loss allowance to noncurrent loans | 25.0175% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 3.1875% | 131 |
| Noncurrent loans to loans | 5.5673% | 83 |
| Net loans and leases to total assets | 55.0327% | 3,706 |
| Net loans and leases to deposits | 60.5660% | 4,021 |
| Net loans and leases to core deposits | 65.3540% | 3,932 |
| Total domestic deposits to total assets | 90.8640% | 199 |
| Equity capital to assets | 8.7169% | 4,315 |
| Core capital (leverage) ratio | 8.2766% | 4,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6588% | 2,342 |
| Memoranda: |
| Average total assets | $298,383,500 | 2,287 |
| Average earning assets | $279,516,500 | 2,277 |
| Average equity | $27,263,500 | 2,641 |
| Average total loans | $180,870,500 | 2,407 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1733% | 2,840 |
| Cost of funding earning assets | 0.7590% | 2,059 |
| Net interest margin | 3.4142% | 3,056 |
| Noninterest income to average assets | 0.3665% | 3,282 |
| Noninterest expense to average assets | 2.6618% | 2,486 |
| Loan and lease loss provision to assets | 0.4985% | 723 |
| Net operating income to assets | 0.3981% | 4,232 |
| Return on assets (ROA) | 0.3981% | 4,293 |
| Pretax return on assets | 0.3981% | 4,411 |
| Return on Equity (ROE) | 4.2849% | 4,027 |
| Retained earnings to average equity (ytd only) | -3.6929% | 4,707 |
| Net charge-offs to loans | 0.0408% | 1,929 |
| Credit loss provision to net charge-offs | 1,959.4595% | 493 |
| Earnings coverage of net charge-offs (x) | 35.2432% | 1,327 |
| Efficiency ratio | 74.8019% | 1,389 |
| Assets per employee ($millions) | 5.6924% | 2,454 |
| Cash dividends to net income (ytd only)* | 186.1831% | 124 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2842% | 2,081 |
| Loan loss allowance to noncurrent loans | 24.8878% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 3.1875% | 137 |
| Noncurrent loans to loans | 5.1599% | 104 |
| Net loans and leases to total assets | 60.1892% | 3,299 |
| Net loans and leases to deposits | 66.0885% | 3,713 |
| Net loans and leases to core deposits | 71.7870% | 3,602 |
| Total domestic deposits to total assets | 91.0736% | 134 |
| Equity capital to assets | 8.5675% | 4,437 |
| Core capital (leverage) ratio | 8.7625% | 4,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6447% | 2,341 |
| Memoranda: |
| Average total assets | $290,853,667 | 2,310 |
| Average earning assets | $271,921,667 | 2,295 |
| Average equity | $27,025,000 | 2,643 |
| Average total loans | $181,449,000 | 2,393 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5546% | 2,140 |
| Cost of funding earning assets | 0.8749% | 1,990 |
| Net interest margin | 3.6796% | 2,396 |
| Noninterest income to average assets | 0.3944% | 3,147 |
| Noninterest expense to average assets | 2.8258% | 2,356 |
| Loan and lease loss provision to assets | 0.8668% | 270 |
| Net operating income to assets | 0.1286% | 4,621 |
| Return on assets (ROA) | 0.1430% | 4,611 |
| Pretax return on assets | 0.1430% | 4,630 |
| Return on Equity (ROE) | 1.4742% | 4,551 |
| Retained earnings to average equity (ytd only) | -10.1705% | 4,770 |
| Net charge-offs to loans | 0.0274% | 1,828 |
| Credit loss provision to net charge-offs | 5,000.0000% | 154 |
| Earnings coverage of net charge-offs (x) | 57.4167% | 822 |
| Efficiency ratio | 73.9509% | 1,825 |
| Assets per employee ($millions) | 5.0363% | 2,607 |
| Cash dividends to net income (ytd only)* | 789.8990% | 25 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3856% | 1,749 |
| Loan loss allowance to noncurrent loans | 24.8521% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 3.4638% | 139 |
| Noncurrent loans to loans | 5.5753% | 95 |
| Net loans and leases to total assets | 60.4397% | 3,450 |
| Net loans and leases to deposits | 67.0110% | 3,796 |
| Net loans and leases to core deposits | 73.6816% | 3,656 |
| Total domestic deposits to total assets | 90.1936% | 270 |
| Equity capital to assets | 9.4696% | 4,250 |
| Core capital (leverage) ratio | 9.3995% | 4,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8722% | 1,948 |
| Memoranda: |
| Average total assets | $276,873,000 | 2,344 |
| Average earning assets | $257,852,000 | 2,333 |
| Average equity | $26,862,000 | 2,646 |
| Average total loans | $174,987,500 | 2,416 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8695% | 1,846 |
| Cost of funding earning assets | 0.8256% | 2,554 |
| Net interest margin | 4.0438% | 1,699 |
| Noninterest income to average assets | 0.4362% | 3,075 |
| Noninterest expense to average assets | 3.0492% | 1,882 |
| Loan and lease loss provision to assets | 0.4852% | 266 |
| Net operating income to assets | 0.6428% | 4,031 |
| Return on assets (ROA) | 0.6428% | 4,102 |
| Pretax return on assets | 0.6428% | 4,343 |
| Return on Equity (ROE) | 6.3384% | 3,806 |
| Retained earnings to average equity (ytd only) | 1.1413% | 4,337 |
| Net charge-offs to loans | 0.5168% | 361 |
| Credit loss provision to net charge-offs | 140.8096% | 1,837 |
| Earnings coverage of net charge-offs (x) | 3.2735% | 3,336 |
| Efficiency ratio | 72.9964% | 1,736 |
| Assets per employee ($millions) | 4.5286% | 3,179 |
| Cash dividends to net income (ytd only)* | 81.9941% | 739 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0208% | 3,379 |
| Loan loss allowance to noncurrent loans | 42.9352% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 1.5984% | 606 |
| Noncurrent loans to loans | 2.3775% | 483 |
| Net loans and leases to total assets | 64.5210% | 3,131 |
| Net loans and leases to deposits | 71.8447% | 3,531 |
| Net loans and leases to core deposits | 79.1035% | 3,372 |
| Total domestic deposits to total assets | 89.8063% | 392 |
| Equity capital to assets | 9.9431% | 3,974 |
| Core capital (leverage) ratio | 10.0235% | 3,491 |
| Tier 1 risk-based capital ratio | 12.7433% | 3,922 |
| Total risk-based capital ratio | 13.6570% | 3,997 |
| Memoranda: |
| Average total assets | $265,247,400 | 2,360 |
| Average earning assets | $245,385,200 | 2,371 |
| Average equity | $26,899,400 | 2,571 |
| Average total loans | $176,858,600 | 2,353 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9933% | 1,559 |
| Cost of funding earning assets | 0.7996% | 2,723 |
| Net interest margin | 4.1937% | 1,391 |
| Noninterest income to average assets | 0.4354% | 3,098 |
| Noninterest expense to average assets | 2.8843% | 2,305 |
| Loan and lease loss provision to assets | 0.0759% | 2,376 |
| Net operating income to assets | 1.3559% | 1,628 |
| Return on assets (ROA) | 1.3559% | 1,689 |
| Pretax return on assets | 1.3559% | 2,475 |
| Return on Equity (ROE) | 13.3032% | 1,175 |
| Retained earnings to average equity (ytd only) | 6.6640% | 2,029 |
| Net charge-offs to loans | 0.0083% | 3,073 |
| Credit loss provision to net charge-offs | 1,363.6364% | 273 |
| Earnings coverage of net charge-offs (x) | 257.2986% | 359 |
| Efficiency ratio | 66.8268% | 2,613 |
| Assets per employee ($millions) | 4.2919% | 3,494 |
| Cash dividends to net income (ytd only)* | 49.9068% | 1,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8724% | 4,150 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0488% | 4,472 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 66.1433% | 3,032 |
| Net loans and leases to deposits | 74.2386% | 3,456 |
| Net loans and leases to core deposits | 81.8238% | 3,262 |
| Total domestic deposits to total assets | 89.0956% | 579 |
| Equity capital to assets | 10.3663% | 3,662 |
| Core capital (leverage) ratio | 10.4144% | 3,178 |
| Tier 1 risk-based capital ratio | 14.2694% | 3,190 |
| Total risk-based capital ratio | 15.1337% | 3,297 |
| Memoranda: |
| Average total assets | $263,630,250 | 2,388 |
| Average earning assets | $243,947,000 | 2,394 |
| Average equity | $26,870,000 | 2,583 |
| Average total loans | $176,792,750 | 2,379 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9717% | 1,558 |
| Cost of funding earning assets | 0.7644% | 2,828 |
| Net interest margin | 4.2073% | 1,344 |
| Noninterest income to average assets | 0.4285% | 3,079 |
| Noninterest expense to average assets | 2.8839% | 2,323 |
| Loan and lease loss provision to assets | 0.1148% | 1,635 |
| Net operating income to assets | 1.3215% | 1,691 |
| Return on assets (ROA) | 1.3215% | 1,751 |
| Pretax return on assets | 1.3215% | 2,470 |
| Return on Equity (ROE) | 13.0420% | 1,223 |
| Retained earnings to average equity (ytd only) | 4.4707% | 3,031 |
| Net charge-offs to loans | -0.0023% | 3,975 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7552% | 2,710 |
| Assets per employee ($millions) | 4.4914% | 3,153 |
| Cash dividends to net income (ytd only)* | 65.7209% | 1,228 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8791% | 4,173 |
| Loan loss allowance to noncurrent loans | 1,211.4504% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.0992% | 4,259 |
| Noncurrent loans to loans | 0.0726% | 4,355 |
| Net loans and leases to total assets | 67.5229% | 2,882 |
| Net loans and leases to deposits | 75.6570% | 3,366 |
| Net loans and leases to core deposits | 83.6064% | 3,144 |
| Total domestic deposits to total assets | 89.2488% | 570 |
| Equity capital to assets | 10.2418% | 3,755 |
| Core capital (leverage) ratio | 10.2684% | 3,313 |
| Tier 1 risk-based capital ratio | 13.9056% | 3,365 |
| Total risk-based capital ratio | 14.7780% | 3,465 |
| Memoranda: |
| Average total assets | $261,378,000 | 2,411 |
| Average earning assets | $241,769,670 | 2,417 |
| Average equity | $26,483,670 | 2,602 |
| Average total loans | $175,584,670 | 2,395 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8673% | 1,702 |
| Cost of funding earning assets | 0.7165% | 2,964 |
| Net interest margin | 4.1508% | 1,426 |
| Noninterest income to average assets | 0.4269% | 2,996 |
| Noninterest expense to average assets | 2.8231% | 2,490 |
| Loan and lease loss provision to assets | 0.0771% | 2,138 |
| Net operating income to assets | 1.3653% | 1,472 |
| Return on assets (ROA) | 1.3653% | 1,516 |
| Pretax return on assets | 1.3653% | 2,212 |
| Return on Equity (ROE) | 13.5497% | 1,069 |
| Retained earnings to average equity (ytd only) | 1.5752% | 4,174 |
| Net charge-offs to loans | -0.0370% | 4,728 |
| Credit loss provision to net charge-offs | -312.5000% | 3,733 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1850% | 2,919 |
| Assets per employee ($millions) | 4.4359% | 3,280 |
| Cash dividends to net income (ytd only)* | 88.3747% | 770 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8577% | 4,312 |
| Loan loss allowance to noncurrent loans | 1,283.7607% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.0447% | 4,608 |
| Noncurrent loans to loans | 0.0668% | 4,460 |
| Net loans and leases to total assets | 66.3410% | 3,000 |
| Net loans and leases to deposits | 74.0579% | 3,447 |
| Net loans and leases to core deposits | 81.1017% | 3,263 |
| Total domestic deposits to total assets | 89.5799% | 609 |
| Equity capital to assets | 10.1056% | 3,719 |
| Core capital (leverage) ratio | 10.3639% | 3,205 |
| Tier 1 risk-based capital ratio | 14.0468% | 3,320 |
| Total risk-based capital ratio | 14.8992% | 3,432 |
| Memoranda: |
| Average total assets | $259,570,500 | 2,450 |
| Average earning assets | $240,051,500 | 2,453 |
| Average equity | $26,155,500 | 2,627 |
| Average total loans | $173,118,000 | 2,445 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5561% | 2,273 |
| Cost of funding earning assets | 0.6027% | 2,694 |
| Net interest margin | 3.9534% | 2,150 |
| Noninterest income to average assets | 0.4442% | 3,142 |
| Noninterest expense to average assets | 2.5846% | 3,380 |
| Loan and lease loss provision to assets | 0.1511% | 1,403 |
| Net operating income to assets | 1.3810% | 1,496 |
| Return on assets (ROA) | 1.3810% | 1,488 |
| Pretax return on assets | 1.3810% | 2,205 |
| Return on Equity (ROE) | 14.0554% | 1,030 |
| Retained earnings to average equity (ytd only) | 7.9079% | 1,281 |
| Net charge-offs to loans | 0.2076% | 922 |
| Credit loss provision to net charge-offs | 113.0952% | 2,293 |
| Earnings coverage of net charge-offs (x) | 11.4673% | 2,624 |
| Efficiency ratio | 62.7837% | 3,387 |
| Assets per employee ($millions) | 4.6805% | 2,905 |
| Cash dividends to net income (ytd only)* | 43.7374% | 2,315 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8386% | 4,400 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 65.9120% | 3,146 |
| Net loans and leases to deposits | 73.5137% | 3,544 |
| Net loans and leases to core deposits | 80.6658% | 3,381 |
| Total domestic deposits to total assets | 89.6595% | 590 |
| Equity capital to assets | 10.0468% | 3,636 |
| Core capital (leverage) ratio | 10.3701% | 3,176 |
| Tier 1 risk-based capital ratio | 14.0603% | 3,267 |
| Total risk-based capital ratio | 14.8812% | 3,390 |
| Memoranda: |
| Average total assets | $251,485,000 | 2,461 |
| Average earning assets | $233,619,400 | 2,460 |
| Average equity | $24,709,400 | 2,661 |
| Average total loans | $161,820,600 | 2,501 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4744% | 2,379 |
| Cost of funding earning assets | 0.5622% | 2,770 |
| Net interest margin | 3.9123% | 2,248 |
| Noninterest income to average assets | 0.4384% | 3,239 |
| Noninterest expense to average assets | 2.6405% | 3,154 |
| Loan and lease loss provision to assets | 0.1067% | 1,875 |
| Net operating income to assets | 1.3322% | 1,732 |
| Return on assets (ROA) | 1.3322% | 1,744 |
| Pretax return on assets | 1.3322% | 2,493 |
| Return on Equity (ROE) | 13.6382% | 1,220 |
| Retained earnings to average equity (ytd only) | 6.6280% | 2,319 |
| Net charge-offs to loans | 0.0502% | 2,113 |
| Credit loss provision to net charge-offs | 333.3333% | 939 |
| Earnings coverage of net charge-offs (x) | 44.9655% | 1,257 |
| Efficiency ratio | 64.7274% | 3,067 |
| Assets per employee ($millions) | 4.5342% | 3,068 |
| Cash dividends to net income (ytd only)* | 51.4013% | 1,534 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9182% | 4,194 |
| Loan loss allowance to noncurrent loans | 513.7584% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.1195% | 4,376 |
| Noncurrent loans to loans | 0.1787% | 4,089 |
| Net loans and leases to total assets | 66.2466% | 3,152 |
| Net loans and leases to deposits | 74.0537% | 3,587 |
| Net loans and leases to core deposits | 81.4817% | 3,366 |
| Total domestic deposits to total assets | 89.4574% | 685 |
| Equity capital to assets | 10.0325% | 3,606 |
| Core capital (leverage) ratio | 10.3714% | 3,211 |
| Tier 1 risk-based capital ratio | 14.1189% | 3,307 |
| Total risk-based capital ratio | 15.0199% | 3,395 |
| Memoranda: |
| Average total assets | $250,000,000 | 2,487 |
| Average earning assets | $232,664,500 | 2,480 |
| Average equity | $24,421,000 | 2,699 |
| Average total loans | $159,498,500 | 2,538 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3979% | 2,420 |
| Cost of funding earning assets | 0.5264% | 2,790 |
| Net interest margin | 3.8715% | 2,306 |
| Noninterest income to average assets | 0.4356% | 3,249 |
| Noninterest expense to average assets | 2.5763% | 3,393 |
| Loan and lease loss provision to assets | 0.1359% | 1,443 |
| Net operating income to assets | 1.3269% | 1,675 |
| Return on assets (ROA) | 1.3269% | 1,678 |
| Pretax return on assets | 1.3269% | 2,406 |
| Return on Equity (ROE) | 13.7067% | 1,153 |
| Retained earnings to average equity (ytd only) | 4.5909% | 3,295 |
| Net charge-offs to loans | 0.0407% | 2,046 |
| Credit loss provision to net charge-offs | 531.2500% | 675 |
| Earnings coverage of net charge-offs (x) | 57.1875% | 1,029 |
| Efficiency ratio | 63.7839% | 3,351 |
| Assets per employee ($millions) | 4.4817% | 3,153 |
| Cash dividends to net income (ytd only)* | 66.5060% | 1,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9456% | 4,138 |
| Loan loss allowance to noncurrent loans | 627.0492% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.0990% | 4,502 |
| Noncurrent loans to loans | 0.1508% | 4,226 |
| Net loans and leases to total assets | 65.0223% | 3,271 |
| Net loans and leases to deposits | 72.6062% | 3,668 |
| Net loans and leases to core deposits | 79.3018% | 3,472 |
| Total domestic deposits to total assets | 89.5547% | 723 |
| Equity capital to assets | 9.9479% | 3,679 |
| Core capital (leverage) ratio | 10.1214% | 3,457 |
| Tier 1 risk-based capital ratio | 14.0335% | 3,343 |
| Total risk-based capital ratio | 14.9520% | 3,415 |
| Memoranda: |
| Average total assets | $250,207,000 | 2,500 |
| Average earning assets | $232,881,330 | 2,489 |
| Average equity | $24,221,670 | 2,734 |
| Average total loans | $157,086,000 | 2,583 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2620% | 2,662 |
| Cost of funding earning assets | 0.4554% | 3,168 |
| Net interest margin | 3.8067% | 2,402 |
| Noninterest income to average assets | 0.4491% | 3,117 |
| Noninterest expense to average assets | 2.5502% | 3,493 |
| Loan and lease loss provision to assets | 0.0793% | 2,191 |
| Net operating income to assets | 1.3616% | 1,446 |
| Return on assets (ROA) | 1.3616% | 1,460 |
| Pretax return on assets | 1.3616% | 2,141 |
| Return on Equity (ROE) | 14.2572% | 952 |
| Retained earnings to average equity (ytd only) | 1.2463% | 4,565 |
| Net charge-offs to loans | 0.0414% | 1,707 |
| Credit loss provision to net charge-offs | 312.5000% | 791 |
| Earnings coverage of net charge-offs (x) | 56.7500% | 872 |
| Efficiency ratio | 63.8966% | 3,497 |
| Assets per employee ($millions) | 4.8060% | 2,730 |
| Cash dividends to net income (ytd only)* | 91.2587% | 674 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9127% | 4,387 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 61.9011% | 3,565 |
| Net loans and leases to deposits | 68.7050% | 3,902 |
| Net loans and leases to core deposits | 74.6992% | 3,764 |
| Total domestic deposits to total assets | 90.0970% | 621 |
| Equity capital to assets | 9.6257% | 3,969 |
| Core capital (leverage) ratio | 9.9021% | 3,642 |
| Tier 1 risk-based capital ratio | 14.0294% | 3,370 |
| Total risk-based capital ratio | 14.9056% | 3,478 |
| Memoranda: |
| Average total assets | $252,063,500 | 2,498 |
| Average earning assets | $234,536,500 | 2,496 |
| Average equity | $24,072,000 | 2,768 |
| Average total loans | $154,726,000 | 2,634 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1271% | 2,965 |
| Cost of funding earning assets | 0.4241% | 3,009 |
| Net interest margin | 3.7030% | 2,781 |
| Noninterest income to average assets | 0.3962% | 3,661 |
| Noninterest expense to average assets | 2.4716% | 3,877 |
| Loan and lease loss provision to assets | 0.0792% | 2,609 |
| Net operating income to assets | 1.3325% | 1,158 |
| Return on assets (ROA) | 1.3519% | 1,135 |
| Pretax return on assets | 1.3519% | 2,163 |
| Return on Equity (ROE) | 14.4197% | 697 |
| Retained earnings to average equity (ytd only) | 5.2447% | 1,969 |
| Net charge-offs to loans | 0.0410% | 2,965 |
| Credit loss provision to net charge-offs | 322.5806% | 892 |
| Earnings coverage of net charge-offs (x) | 57.4677% | 985 |
| Efficiency ratio | 63.6466% | 3,655 |
| Assets per employee ($millions) | 4.8887% | 2,615 |
| Cash dividends to net income (ytd only)* | 63.6284% | 1,576 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9072% | 4,442 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 59.7674% | 3,851 |
| Net loans and leases to deposits | 66.1660% | 4,177 |
| Net loans and leases to core deposits | 72.7594% | 3,989 |
| Total domestic deposits to total assets | 90.3294% | 455 |
| Equity capital to assets | 9.4755% | 4,248 |
| Core capital (leverage) ratio | 9.6234% | 3,895 |
| Tier 1 risk-based capital ratio | 14.1316% | 3,289 |
| Total risk-based capital ratio | 14.9972% | 3,412 |
| Memoranda: |
| Average total assets | $252,392,000 | 2,474 |
| Average earning assets | $237,670,400 | 2,448 |
| Average equity | $23,662,000 | 2,790 |
| Average total loans | $151,342,600 | 2,640 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0919% | 3,015 |
| Cost of funding earning assets | 0.4067% | 3,119 |
| Net interest margin | 3.6852% | 2,803 |
| Noninterest income to average assets | 0.3858% | 3,780 |
| Noninterest expense to average assets | 2.4783% | 3,804 |
| Loan and lease loss provision to assets | 0.1058% | 1,997 |
| Net operating income to assets | 1.2881% | 1,381 |
| Return on assets (ROA) | 1.3141% | 1,323 |
| Pretax return on assets | 1.3141% | 2,423 |
| Return on Equity (ROE) | 14.0544% | 821 |
| Retained earnings to average equity (ytd only) | 4.5112% | 3,217 |
| Net charge-offs to loans | 0.0592% | 2,275 |
| Credit loss provision to net charge-offs | 298.5075% | 994 |
| Earnings coverage of net charge-offs (x) | 39.3139% | 1,317 |
| Efficiency ratio | 64.0016% | 3,540 |
| Assets per employee ($millions) | 4.8602% | 2,620 |
| Cash dividends to net income (ytd only)* | 67.9017% | 1,044 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8770% | 4,662 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1215% | 4,640 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 60.8170% | 3,784 |
| Net loans and leases to deposits | 67.5524% | 4,145 |
| Net loans and leases to core deposits | 73.6625% | 4,003 |
| Total domestic deposits to total assets | 90.0295% | 467 |
| Equity capital to assets | 9.5307% | 4,418 |
| Core capital (leverage) ratio | 9.4158% | 4,271 |
| Tier 1 risk-based capital ratio | 13.5456% | 3,675 |
| Total risk-based capital ratio | 14.3878% | 3,821 |
| Memoranda: |
| Average total assets | $251,936,500 | 2,491 |
| Average earning assets | $238,352,000 | 2,456 |
| Average equity | $23,555,500 | 2,823 |
| Average total loans | $150,846,250 | 2,662 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0460% | 3,022 |
| Cost of funding earning assets | 0.3892% | 3,187 |
| Net interest margin | 3.6569% | 2,810 |
| Noninterest income to average assets | 0.3743% | 3,880 |
| Noninterest expense to average assets | 2.4811% | 3,808 |
| Loan and lease loss provision to assets | 0.1600% | 1,246 |
| Net operating income to assets | 1.2053% | 1,577 |
| Return on assets (ROA) | 1.2053% | 1,612 |
| Pretax return on assets | 1.2053% | 2,752 |
| Return on Equity (ROE) | 12.9780% | 1,036 |
| Retained earnings to average equity (ytd only) | 0.1464% | 5,038 |
| Net charge-offs to loans | 0.0606% | 2,055 |
| Credit loss provision to net charge-offs | 444.4444% | 724 |
| Earnings coverage of net charge-offs (x) | 37.9333% | 1,289 |
| Efficiency ratio | 64.5041% | 3,589 |
| Assets per employee ($millions) | 4.8113% | 2,629 |
| Cash dividends to net income (ytd only)* | 98.8719% | 498 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9352% | 4,491 |
| Loan loss allowance to noncurrent loans | 9,386.6667% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.1286% | 4,675 |
| Noncurrent loans to loans | 0.0100% | 5,143 |
| Net loans and leases to total assets | 58.4886% | 3,977 |
| Net loans and leases to deposits | 64.7501% | 4,319 |
| Net loans and leases to core deposits | 69.5968% | 4,252 |
| Total domestic deposits to total assets | 90.3298% | 415 |
| Equity capital to assets | 9.3333% | 4,582 |
| Core capital (leverage) ratio | 9.2419% | 4,445 |
| Tier 1 risk-based capital ratio | 13.4850% | 3,706 |
| Total risk-based capital ratio | 14.3645% | 3,844 |
| Memoranda: |
| Average total assets | $250,052,330 | 2,516 |
| Average earning assets | $237,417,000 | 2,473 |
| Average equity | $23,224,000 | 2,858 |
| Average total loans | $148,447,000 | 2,694 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9783% | 3,119 |
| Cost of funding earning assets | 0.3829% | 3,174 |
| Net interest margin | 3.5954% | 2,902 |
| Noninterest income to average assets | 0.3732% | 3,859 |
| Noninterest expense to average assets | 2.5446% | 3,673 |
| Loan and lease loss provision to assets | 0.3231% | 386 |
| Net operating income to assets | 0.9338% | 2,591 |
| Return on assets (ROA) | 0.9338% | 2,646 |
| Pretax return on assets | 0.9338% | 3,647 |
| Return on Equity (ROE) | 10.0802% | 1,933 |
| Retained earnings to average equity (ytd only) | 2.3893% | 4,189 |
| Net charge-offs to loans | 0.0461% | 1,928 |
| Credit loss provision to net charge-offs | 1,176.4706% | 271 |
| Earnings coverage of net charge-offs (x) | 45.7647% | 946 |
| Efficiency ratio | 66.9358% | 3,351 |
| Assets per employee ($millions) | 5.0513% | 2,377 |
| Cash dividends to net income (ytd only)* | 76.2976% | 1,032 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9516% | 4,543 |
| Loan loss allowance to noncurrent loans | 14,360.0000% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.1235% | 4,766 |
| Noncurrent loans to loans | 0.0066% | 5,232 |
| Net loans and leases to total assets | 59.1792% | 3,869 |
| Net loans and leases to deposits | 65.3738% | 4,220 |
| Net loans and leases to core deposits | 69.3632% | 4,194 |
| Total domestic deposits to total assets | 90.5244% | 467 |
| Equity capital to assets | 9.2234% | 4,594 |
| Core capital (leverage) ratio | 9.4594% | 4,164 |
| Tier 1 risk-based capital ratio | 14.0463% | 3,442 |
| Total risk-based capital ratio | 14.9745% | 3,550 |
| Memoranda: |
| Average total assets | $247,578,500 | 2,560 |
| Average earning assets | $236,078,500 | 2,504 |
| Average equity | $22,936,000 | 2,901 |
| Average total loans | $147,393,500 | 2,727 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8253% | 3,817 |
| Cost of funding earning assets | 0.3874% | 3,132 |
| Net interest margin | 3.4379% | 3,672 |
| Noninterest income to average assets | 0.5102% | 3,171 |
| Noninterest expense to average assets | 2.4866% | 4,061 |
| Loan and lease loss provision to assets | 0.0996% | 2,391 |
| Net operating income to assets | 1.1918% | 1,537 |
| Return on assets (ROA) | 1.2574% | 1,416 |
| Pretax return on assets | 1.2574% | 2,443 |
| Return on Equity (ROE) | 12.9130% | 1,011 |
| Retained earnings to average equity (ytd only) | 3.7388% | 3,258 |
| Net charge-offs to loans | 0.0510% | 3,024 |
| Credit loss provision to net charge-offs | 358.2090% | 857 |
| Earnings coverage of net charge-offs (x) | 46.4328% | 1,057 |
| Efficiency ratio | 65.8169% | 3,621 |
| Assets per employee ($millions) | 4.5772% | 3,006 |
| Cash dividends to net income (ytd only)* | 71.0466% | 1,273 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8708% | 4,896 |
| Loan loss allowance to noncurrent loans | 12,530.0000% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.1286% | 4,795 |
| Noncurrent loans to loans | 0.0069% | 5,278 |
| Net loans and leases to total assets | 58.7950% | 3,988 |
| Net loans and leases to deposits | 65.4179% | 4,298 |
| Net loans and leases to core deposits | 69.5874% | 4,273 |
| Total domestic deposits to total assets | 89.8760% | 696 |
| Equity capital to assets | 9.3066% | 4,469 |
| Core capital (leverage) ratio | 9.4823% | 4,108 |
| Tier 1 risk-based capital ratio | 14.5732% | 3,165 |
| Total risk-based capital ratio | 15.3613% | 3,321 |
| Memoranda: |
| Average total assets | $240,891,800 | 2,568 |
| Average earning assets | $228,978,200 | 2,522 |
| Average equity | $23,457,000 | 2,852 |
| Average total loans | $131,370,200 | 2,899 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8473% | 3,777 |
| Cost of funding earning assets | 0.3867% | 3,160 |
| Net interest margin | 3.4607% | 3,623 |
| Noninterest income to average assets | 0.4985% | 3,258 |
| Noninterest expense to average assets | 2.4879% | 4,021 |
| Loan and lease loss provision to assets | 0.0887% | 2,457 |
| Net operating income to assets | 1.2121% | 1,600 |
| Return on assets (ROA) | 1.2121% | 1,699 |
| Pretax return on assets | 1.2121% | 2,785 |
| Return on Equity (ROE) | 12.3098% | 1,228 |
| Retained earnings to average equity (ytd only) | 2.3482% | 4,506 |
| Net charge-offs to loans | 0.0561% | 2,559 |
| Credit loss provision to net charge-offs | 296.2963% | 1,048 |
| Earnings coverage of net charge-offs (x) | 43.4433% | 1,177 |
| Efficiency ratio | 65.6666% | 3,647 |
| Assets per employee ($millions) | 4.7043% | 2,744 |
| Cash dividends to net income (ytd only)* | 80.9242% | 708 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9262% | 4,776 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1835% | 4,703 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 51.8596% | 4,667 |
| Net loans and leases to deposits | 57.8334% | 4,886 |
| Net loans and leases to core deposits | 61.7939% | 4,846 |
| Total domestic deposits to total assets | 89.6707% | 597 |
| Equity capital to assets | 9.9205% | 4,217 |
| Core capital (leverage) ratio | 9.3275% | 4,429 |
| Tier 1 risk-based capital ratio | 15.3590% | 2,889 |
| Total risk-based capital ratio | 16.1612% | 3,023 |
| Memoranda: |
| Average total assets | $240,466,750 | 2,582 |
| Average earning assets | $228,621,750 | 2,533 |
| Average equity | $23,677,000 | 2,847 |
| Average total loans | $128,241,500 | 2,954 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8697% | 3,704 |
| Cost of funding earning assets | 0.3900% | 3,152 |
| Net interest margin | 3.4797% | 3,567 |
| Noninterest income to average assets | 0.4860% | 3,291 |
| Noninterest expense to average assets | 2.4711% | 4,114 |
| Loan and lease loss provision to assets | 0.1338% | 1,705 |
| Net operating income to assets | 1.1879% | 1,650 |
| Return on assets (ROA) | 1.1879% | 1,744 |
| Pretax return on assets | 1.1879% | 2,830 |
| Return on Equity (ROE) | 12.0954% | 1,285 |
| Retained earnings to average equity (ytd only) | -0.0256% | 5,296 |
| Net charge-offs to loans | 0.0546% | 2,422 |
| Credit loss provision to net charge-offs | 457.1429% | 704 |
| Earnings coverage of net charge-offs (x) | 45.1429% | 1,063 |
| Efficiency ratio | 65.1522% | 3,819 |
| Assets per employee ($millions) | 4.4363% | 3,144 |
| Cash dividends to net income (ytd only)* | 100.2113% | 504 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9318% | 4,837 |
| Loan loss allowance to noncurrent loans | 68.2720% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 0.9229% | 2,309 |
| Noncurrent loans to loans | 1.3648% | 1,639 |
| Net loans and leases to total assets | 53.4812% | 4,555 |
| Net loans and leases to deposits | 59.5877% | 4,821 |
| Net loans and leases to core deposits | 64.1509% | 4,739 |
| Total domestic deposits to total assets | 89.7520% | 578 |
| Equity capital to assets | 9.9107% | 4,333 |
| Core capital (leverage) ratio | 9.4472% | 4,275 |
| Tier 1 risk-based capital ratio | 15.2299% | 2,969 |
| Total risk-based capital ratio | 16.0533% | 3,104 |
| Memoranda: |
| Average total assets | $239,081,000 | 2,608 |
| Average earning assets | $227,202,330 | 2,561 |
| Average equity | $23,480,000 | 2,875 |
| Average total loans | $128,306,330 | 2,964 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9264% | 3,475 |
| Cost of funding earning assets | 0.3948% | 3,142 |
| Net interest margin | 3.5317% | 3,356 |
| Noninterest income to average assets | 0.4639% | 3,388 |
| Noninterest expense to average assets | 2.4753% | 4,148 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3448% | 1,140 |
| Return on assets (ROA) | 1.3448% | 1,217 |
| Pretax return on assets | 1.3448% | 2,111 |
| Return on Equity (ROE) | 13.7565% | 888 |
| Retained earnings to average equity (ytd only) | -1.3362% | 5,317 |
| Net charge-offs to loans | 0.0188% | 2,560 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 133.8333% | 441 |
| Efficiency ratio | 64.7961% | 4,005 |
| Assets per employee ($millions) | 4.6123% | 2,873 |
| Cash dividends to net income (ytd only)* | 109.7136% | 610 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8473% | 5,238 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1420% | 5,006 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 53.4805% | 4,493 |
| Net loans and leases to deposits | 59.6519% | 4,739 |
| Net loans and leases to core deposits | 64.0316% | 4,687 |
| Total domestic deposits to total assets | 89.6543% | 758 |
| Equity capital to assets | 9.9963% | 4,089 |
| Core capital (leverage) ratio | 9.3235% | 4,465 |
| Tier 1 risk-based capital ratio | 15.5767% | 2,874 |
| Total risk-based capital ratio | 16.3305% | 3,058 |
| Memoranda: |
| Average total assets | $238,842,000 | 2,623 |
| Average earning assets | $226,974,000 | 2,573 |
| Average equity | $23,349,000 | 2,890 |
| Average total loans | $127,797,500 | 2,970 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7205% | 4,309 |
| Cost of funding earning assets | 0.3864% | 3,305 |
| Net interest margin | 3.3341% | 4,171 |
| Noninterest income to average assets | 0.3834% | 4,161 |
| Noninterest expense to average assets | 2.2937% | 4,811 |
| Loan and lease loss provision to assets | 0.0403% | 3,534 |
| Net operating income to assets | 1.2224% | 1,476 |
| Return on assets (ROA) | 1.2336% | 1,494 |
| Pretax return on assets | 1.2336% | 2,527 |
| Return on Equity (ROE) | 13.7555% | 898 |
| Retained earnings to average equity (ytd only) | 7.8051% | 979 |
| Net charge-offs to loans | 0.0351% | 3,508 |
| Credit loss provision to net charge-offs | 222.2222% | 1,275 |
| Earnings coverage of net charge-offs (x) | 69.6667% | 774 |
| Efficiency ratio | 64.4960% | 4,169 |
| Assets per employee ($millions) | 4.6626% | 2,791 |
| Cash dividends to net income (ytd only)* | 43.2582% | 2,684 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8390% | 5,301 |
| Loan loss allowance to noncurrent loans | 5,400.0000% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.1456% | 5,010 |
| Noncurrent loans to loans | 0.0155% | 5,464 |
| Net loans and leases to total assets | 52.6442% | 4,643 |
| Net loans and leases to deposits | 60.5708% | 4,732 |
| Net loans and leases to core deposits | 64.7720% | 4,688 |
| Total domestic deposits to total assets | 86.9135% | 2,186 |
| Equity capital to assets | 9.5621% | 4,481 |
| Core capital (leverage) ratio | 9.3686% | 4,372 |
| Tier 1 risk-based capital ratio | 15.9129% | 2,733 |
| Total risk-based capital ratio | 16.6839% | 2,904 |
| Memoranda: |
| Average total assets | $248,288,400 | 2,520 |
| Average earning assets | $236,283,400 | 2,452 |
| Average equity | $22,267,400 | 2,941 |
| Average total loans | $128,176,000 | 2,916 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6957% | 4,436 |
| Cost of funding earning assets | 0.3867% | 3,369 |
| Net interest margin | 3.3090% | 4,303 |
| Noninterest income to average assets | 0.3374% | 4,530 |
| Noninterest expense to average assets | 2.3084% | 4,756 |
| Loan and lease loss provision to assets | 0.0534% | 3,128 |
| Net operating income to assets | 1.1275% | 1,904 |
| Return on assets (ROA) | 1.1361% | 1,950 |
| Pretax return on assets | 1.1361% | 3,065 |
| Return on Equity (ROE) | 12.8743% | 1,153 |
| Retained earnings to average equity (ytd only) | 7.6774% | 1,382 |
| Net charge-offs to loans | 0.0375% | 3,149 |
| Credit loss provision to net charge-offs | 277.7778% | 1,035 |
| Earnings coverage of net charge-offs (x) | 61.4429% | 904 |
| Efficiency ratio | 66.1567% | 3,870 |
| Assets per employee ($millions) | 4.7078% | 2,688 |
| Cash dividends to net income (ytd only)* | 40.3664% | 2,289 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9108% | 5,165 |
| Loan loss allowance to noncurrent loans | 999.0826% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.1878% | 5,001 |
| Noncurrent loans to loans | 0.0912% | 5,264 |
| Net loans and leases to total assets | 50.3318% | 4,905 |
| Net loans and leases to deposits | 56.0488% | 5,116 |
| Net loans and leases to core deposits | 59.6274% | 5,091 |
| Total domestic deposits to total assets | 89.7999% | 653 |
| Equity capital to assets | 9.7468% | 4,459 |
| Core capital (leverage) ratio | 9.0345% | 4,956 |
| Tier 1 risk-based capital ratio | 15.7538% | 2,919 |
| Total risk-based capital ratio | 16.5401% | 3,078 |
| Memoranda: |
| Average total assets | $249,746,500 | 2,533 |
| Average earning assets | $237,889,000 | 2,463 |
| Average equity | $22,038,250 | 2,986 |
| Average total loans | $128,040,250 | 2,941 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5831% | 4,767 |
| Cost of funding earning assets | 0.3869% | 3,404 |
| Net interest margin | 3.1962% | 4,678 |
| Noninterest income to average assets | 0.2617% | 5,080 |
| Noninterest expense to average assets | 2.2198% | 5,059 |
| Loan and lease loss provision to assets | 0.0786% | 2,546 |
| Net operating income to assets | 1.0073% | 2,352 |
| Return on assets (ROA) | 1.0073% | 2,460 |
| Pretax return on assets | 1.0073% | 3,558 |
| Return on Equity (ROE) | 11.7957% | 1,432 |
| Retained earnings to average equity (ytd only) | 7.0296% | 1,696 |
| Net charge-offs to loans | 0.0367% | 2,946 |
| Credit loss provision to net charge-offs | 416.6667% | 722 |
| Earnings coverage of net charge-offs (x) | 57.5833% | 863 |
| Efficiency ratio | 67.1500% | 3,804 |
| Assets per employee ($millions) | 5.2686% | 1,962 |
| Cash dividends to net income (ytd only)* | 40.4056% | 2,367 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7893% | 5,628 |
| Loan loss allowance to noncurrent loans | 1,803.2787% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.1670% | 5,209 |
| Noncurrent loans to loans | 0.0438% | 5,573 |
| Net loans and leases to total assets | 53.5565% | 4,607 |
| Net loans and leases to deposits | 66.3216% | 4,307 |
| Net loans and leases to core deposits | 70.6078% | 4,268 |
| Total domestic deposits to total assets | 80.7527% | 4,678 |
| Equity capital to assets | 8.4622% | 5,716 |
| Core capital (leverage) ratio | 8.4554% | 5,573 |
| Tier 1 risk-based capital ratio | 15.9469% | 2,885 |
| Total risk-based capital ratio | 16.7699% | 3,042 |
| Memoranda: |
| Average total assets | $254,532,000 | 2,504 |
| Average earning assets | $242,414,330 | 2,440 |
| Average equity | $21,736,670 | 3,028 |
| Average total loans | $130,865,330 | 2,894 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4226% | 5,158 |
| Cost of funding earning assets | 0.3777% | 3,557 |
| Net interest margin | 3.0449% | 5,092 |
| Noninterest income to average assets | 0.4369% | 3,716 |
| Noninterest expense to average assets | 2.2428% | 5,031 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0905% | 1,901 |
| Return on assets (ROA) | 1.0905% | 2,013 |
| Pretax return on assets | 1.0905% | 3,122 |
| Return on Equity (ROE) | 12.7110% | 1,160 |
| Retained earnings to average equity (ytd only) | 10.0360% | 917 |
| Net charge-offs to loans | -0.0095% | 4,697 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2840% | 3,939 |
| Assets per employee ($millions) | 5.6251% | 1,694 |
| Cash dividends to net income (ytd only)* | 21.0450% | 2,527 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6880% | 5,925 |
| Loan loss allowance to noncurrent loans | 864.7059% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.1633% | 5,306 |
| Noncurrent loans to loans | 0.0796% | 5,461 |
| Net loans and leases to total assets | 55.0153% | 4,317 |
| Net loans and leases to deposits | 69.9617% | 3,751 |
| Net loans and leases to core deposits | 73.8815% | 3,791 |
| Total domestic deposits to total assets | 78.6363% | 5,330 |
| Equity capital to assets | 8.1721% | 5,952 |
| Core capital (leverage) ratio | 8.9376% | 5,029 |
| Tier 1 risk-based capital ratio | 14.1480% | 3,918 |
| Total risk-based capital ratio | 14.8382% | 4,196 |
| Memoranda: |
| Average total assets | $252,717,500 | 2,538 |
| Average earning assets | $240,404,000 | 2,464 |
| Average equity | $21,682,000 | 3,050 |
| Average total loans | $126,617,000 | 2,971 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7898% | 4,528 |
| Cost of funding earning assets | 0.4104% | 3,583 |
| Net interest margin | 3.3794% | 4,282 |
| Noninterest income to average assets | 0.5930% | 2,898 |
| Noninterest expense to average assets | 2.5340% | 4,440 |
| Loan and lease loss provision to assets | 0.0393% | 3,790 |
| Net operating income to assets | 1.2104% | 1,553 |
| Return on assets (ROA) | 1.2164% | 1,591 |
| Pretax return on assets | 1.2164% | 2,586 |
| Return on Equity (ROE) | 12.9666% | 1,151 |
| Retained earnings to average equity (ytd only) | 7.0543% | 1,382 |
| Net charge-offs to loans | 0.0221% | 4,398 |
| Credit loss provision to net charge-offs | 386.3636% | 674 |
| Earnings coverage of net charge-offs (x) | 123.0000% | 428 |
| Efficiency ratio | 66.9718% | 4,062 |
| Assets per employee ($millions) | 4.9048% | 2,452 |
| Cash dividends to net income (ytd only)* | 45.5961% | 2,529 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9888% | 5,120 |
| Loan loss allowance to noncurrent loans | 847.1074% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.1856% | 5,287 |
| Noncurrent loans to loans | 0.1167% | 5,427 |
| Net loans and leases to total assets | 43.5951% | 5,492 |
| Net loans and leases to deposits | 48.0710% | 5,683 |
| Net loans and leases to core deposits | 51.1169% | 5,657 |
| Total domestic deposits to total assets | 90.6890% | 471 |
| Equity capital to assets | 9.0469% | 5,239 |
| Core capital (leverage) ratio | 9.0406% | 4,927 |
| Tier 1 risk-based capital ratio | 16.7942% | 2,598 |
| Total risk-based capital ratio | 17.6325% | 2,712 |
| Memoranda: |
| Average total assets | $216,534,400 | 2,818 |
| Average earning assets | $204,442,600 | 2,759 |
| Average equity | $20,313,800 | 3,131 |
| Average total loans | $99,520,600 | 3,433 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8556% | 4,349 |
| Cost of funding earning assets | 0.4147% | 3,633 |
| Net interest margin | 3.4409% | 4,060 |
| Noninterest income to average assets | 0.6150% | 2,777 |
| Noninterest expense to average assets | 2.6394% | 4,055 |
| Loan and lease loss provision to assets | 0.0346% | 3,710 |
| Net operating income to assets | 1.1840% | 1,739 |
| Return on assets (ROA) | 1.1922% | 1,773 |
| Pretax return on assets | 1.1922% | 2,808 |
| Return on Equity (ROE) | 12.5839% | 1,326 |
| Retained earnings to average equity (ytd only) | 7.1357% | 1,746 |
| Net charge-offs to loans | 0.0230% | 4,051 |
| Credit loss provision to net charge-offs | 323.5294% | 861 |
| Earnings coverage of net charge-offs (x) | 113.8628% | 520 |
| Efficiency ratio | 68.4125% | 3,783 |
| Assets per employee ($millions) | 4.6149% | 2,789 |
| Cash dividends to net income (ytd only)* | 43.2948% | 2,186 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0086% | 5,174 |
| Loan loss allowance to noncurrent loans | 269.5418% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.3101% | 5,028 |
| Noncurrent loans to loans | 0.3742% | 4,787 |
| Net loans and leases to total assets | 44.3092% | 5,500 |
| Net loans and leases to deposits | 49.1445% | 5,693 |
| Net loans and leases to core deposits | 52.4373% | 5,664 |
| Total domestic deposits to total assets | 90.1609% | 660 |
| Equity capital to assets | 9.3502% | 4,976 |
| Core capital (leverage) ratio | 9.1996% | 4,791 |
| Tier 1 risk-based capital ratio | 17.3018% | 2,476 |
| Total risk-based capital ratio | 18.1594% | 2,600 |
| Memoranda: |
| Average total assets | $211,810,500 | 2,885 |
| Average earning assets | $199,635,500 | 2,831 |
| Average equity | $20,067,500 | 3,168 |
| Average total loans | $98,485,500 | 3,475 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9277% | 4,027 |
| Cost of funding earning assets | 0.4142% | 3,718 |
| Net interest margin | 3.5135% | 3,729 |
| Noninterest income to average assets | 0.6664% | 2,450 |
| Noninterest expense to average assets | 2.6772% | 3,949 |
| Loan and lease loss provision to assets | 0.0240% | 3,798 |
| Net operating income to assets | 1.2676% | 1,403 |
| Return on assets (ROA) | 1.2801% | 1,421 |
| Pretax return on assets | 1.2801% | 2,336 |
| Return on Equity (ROE) | 13.4491% | 1,063 |
| Retained earnings to average equity (ytd only) | 7.9183% | 1,354 |
| Net charge-offs to loans | 0.0346% | 3,518 |
| Credit loss provision to net charge-offs | 147.0588% | 1,476 |
| Earnings coverage of net charge-offs (x) | 79.2353% | 671 |
| Efficiency ratio | 67.4559% | 4,122 |
| Assets per employee ($millions) | 5.0282% | 2,179 |
| Cash dividends to net income (ytd only)* | 41.1236% | 2,349 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9739% | 5,464 |
| Loan loss allowance to noncurrent loans | 1,141.1765% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.3293% | 5,058 |
| Noncurrent loans to loans | 0.0853% | 5,764 |
| Net loans and leases to total assets | 45.6152% | 5,402 |
| Net loans and leases to deposits | 50.6994% | 5,580 |
| Net loans and leases to core deposits | 54.1857% | 5,537 |
| Total domestic deposits to total assets | 89.9718% | 828 |
| Equity capital to assets | 9.5361% | 4,708 |
| Core capital (leverage) ratio | 9.6034% | 4,172 |
| Tier 1 risk-based capital ratio | 17.1239% | 2,569 |
| Total risk-based capital ratio | 17.9594% | 2,703 |
| Memoranda: |
| Average total assets | $208,576,000 | 2,935 |
| Average earning assets | $196,043,330 | 2,882 |
| Average equity | $19,852,670 | 3,185 |
| Average total loans | $98,263,670 | 3,489 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9432% | 3,917 |
| Cost of funding earning assets | 0.4238% | 3,714 |
| Net interest margin | 3.5194% | 3,608 |
| Noninterest income to average assets | 0.4981% | 3,427 |
| Noninterest expense to average assets | 2.6724% | 4,029 |
| Loan and lease loss provision to assets | 0.0488% | 3,120 |
| Net operating income to assets | 1.0862% | 1,870 |
| Return on assets (ROA) | 1.0920% | 1,909 |
| Pretax return on assets | 1.0920% | 2,947 |
| Return on Equity (ROE) | 11.4843% | 1,547 |
| Retained earnings to average equity (ytd only) | 8.5054% | 1,414 |
| Net charge-offs to loans | 0.2131% | 1,476 |
| Credit loss provision to net charge-offs | 48.0769% | 2,225 |
| Earnings coverage of net charge-offs (x) | 11.1731% | 1,799 |
| Efficiency ratio | 70.1898% | 3,804 |
| Assets per employee ($millions) | 4.7303% | 2,622 |
| Cash dividends to net income (ytd only)* | 25.9392% | 2,395 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9264% | 5,780 |
| Loan loss allowance to noncurrent loans | 469.8492% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.5621% | 4,460 |
| Noncurrent loans to loans | 0.1972% | 5,499 |
| Net loans and leases to total assets | 48.0438% | 5,122 |
| Net loans and leases to deposits | 53.4532% | 5,333 |
| Net loans and leases to core deposits | 57.1491% | 5,272 |
| Total domestic deposits to total assets | 89.8801% | 1,137 |
| Equity capital to assets | 9.6658% | 4,277 |
| Core capital (leverage) ratio | 9.6301% | 4,093 |
| Tier 1 risk-based capital ratio | 16.8142% | 2,771 |
| Total risk-based capital ratio | 17.6202% | 2,935 |
| Memoranda: |
| Average total assets | $204,758,500 | 2,999 |
| Average earning assets | $192,533,500 | 2,938 |
| Average equity | $19,470,000 | 3,226 |
| Average total loans | $97,598,000 | 3,522 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2379% | 3,203 |
| Cost of funding earning assets | 0.4560% | 4,059 |
| Net interest margin | 3.7819% | 2,719 |
| Noninterest income to average assets | 0.5375% | 3,498 |
| Noninterest expense to average assets | 2.8377% | 3,579 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.2375% | 1,428 |
| Return on assets (ROA) | 1.2375% | 1,489 |
| Pretax return on assets | 1.2375% | 2,428 |
| Return on Equity (ROE) | 13.4837% | 1,072 |
| Retained earnings to average equity (ytd only) | 9.6450% | 635 |
| Net charge-offs to loans | 0.1124% | 3,703 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 20.2119% | 1,560 |
| Efficiency ratio | 69.6333% | 3,895 |
| Assets per employee ($millions) | 4.5769% | 2,763 |
| Cash dividends to net income (ytd only)* | 28.4696% | 3,349 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0205% | 5,462 |
| Loan loss allowance to noncurrent loans | 549.7143% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.5487% | 4,582 |
| Noncurrent loans to loans | 0.1856% | 5,645 |
| Net loans and leases to total assets | 46.3314% | 5,459 |
| Net loans and leases to deposits | 51.3091% | 5,674 |
| Net loans and leases to core deposits | 54.4098% | 5,646 |
| Total domestic deposits to total assets | 90.2985% | 918 |
| Equity capital to assets | 9.3464% | 4,627 |
| Core capital (leverage) ratio | 9.3441% | 4,488 |
| Tier 1 risk-based capital ratio | 17.4744% | 2,429 |
| Total risk-based capital ratio | 18.3551% | 2,538 |
| Memoranda: |
| Average total assets | $192,727,000 | 3,114 |
| Average earning assets | $180,279,200 | 3,066 |
| Average equity | $17,688,000 | 3,471 |
| Average total loans | $105,002,400 | 3,343 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3103% | 2,942 |
| Cost of funding earning assets | 0.4607% | 4,164 |
| Net interest margin | 3.8496% | 2,464 |
| Noninterest income to average assets | 0.5646% | 3,366 |
| Noninterest expense to average assets | 2.8413% | 3,518 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3189% | 1,300 |
| Return on assets (ROA) | 1.3189% | 1,358 |
| Pretax return on assets | 1.3189% | 2,267 |
| Return on Equity (ROE) | 14.4403% | 901 |
| Retained earnings to average equity (ytd only) | 11.7208% | 466 |
| Net charge-offs to loans | 0.1263% | 3,263 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 18.4799% | 1,676 |
| Efficiency ratio | 68.2980% | 4,041 |
| Assets per employee ($millions) | 4.3509% | 3,141 |
| Cash dividends to net income (ytd only)* | 18.8328% | 3,134 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1568% | 5,083 |
| Loan loss allowance to noncurrent loans | 255.5556% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.8294% | 4,036 |
| Noncurrent loans to loans | 0.4527% | 5,061 |
| Net loans and leases to total assets | 48.1133% | 5,333 |
| Net loans and leases to deposits | 53.2647% | 5,608 |
| Net loans and leases to core deposits | 56.4960% | 5,580 |
| Total domestic deposits to total assets | 90.3288% | 830 |
| Equity capital to assets | 9.2830% | 4,822 |
| Core capital (leverage) ratio | 9.3520% | 4,611 |
| Tier 1 risk-based capital ratio | 16.9528% | 2,728 |
| Total risk-based capital ratio | 17.9632% | 2,807 |
| Memoranda: |
| Average total assets | $190,563,250 | 3,176 |
| Average earning assets | $177,988,000 | 3,125 |
| Average equity | $17,404,500 | 3,546 |
| Average total loans | $107,686,750 | 3,312 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2951% | 2,977 |
| Cost of funding earning assets | 0.4682% | 4,229 |
| Net interest margin | 3.8269% | 2,453 |
| Noninterest income to average assets | 0.4739% | 4,003 |
| Noninterest expense to average assets | 2.8009% | 3,675 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2414% | 1,484 |
| Return on assets (ROA) | 1.2414% | 1,577 |
| Pretax return on assets | 1.2414% | 2,513 |
| Return on Equity (ROE) | 13.6719% | 1,077 |
| Retained earnings to average equity (ytd only) | 11.1679% | 614 |
| Net charge-offs to loans | 0.1368% | 3,008 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 15.3026% | 1,753 |
| Efficiency ratio | 69.2897% | 3,962 |
| Assets per employee ($millions) | 4.3859% | 3,016 |
| Cash dividends to net income (ytd only)* | 18.3147% | 3,055 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0230% | 5,722 |
| Loan loss allowance to noncurrent loans | 281.9071% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.5675% | 4,831 |
| Noncurrent loans to loans | 0.3629% | 5,367 |
| Net loans and leases to total assets | 55.2934% | 4,401 |
| Net loans and leases to deposits | 63.3154% | 4,579 |
| Net loans and leases to core deposits | 67.4703% | 4,551 |
| Total domestic deposits to total assets | 87.3301% | 2,635 |
| Equity capital to assets | 9.1166% | 5,084 |
| Core capital (leverage) ratio | 9.7428% | 3,877 |
| Tier 1 risk-based capital ratio | 16.0909% | 3,139 |
| Total risk-based capital ratio | 17.1031% | 3,236 |
| Memoranda: |
| Average total assets | $187,371,000 | 3,238 |
| Average earning assets | $174,711,670 | 3,193 |
| Average equity | $17,013,000 | 3,619 |
| Average total loans | $111,108,670 | 3,250 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4428% | 2,379 |
| Cost of funding earning assets | 0.4875% | 4,201 |
| Net interest margin | 3.9552% | 1,935 |
| Noninterest income to average assets | 0.5550% | 3,402 |
| Noninterest expense to average assets | 2.8527% | 3,530 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3764% | 1,081 |
| Return on assets (ROA) | 1.3764% | 1,170 |
| Pretax return on assets | 1.3764% | 1,934 |
| Return on Equity (ROE) | 15.1933% | 723 |
| Retained earnings to average equity (ytd only) | 15.1933% | 337 |
| Net charge-offs to loans | 0.0907% | 2,935 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 24.8000% | 1,069 |
| Efficiency ratio | 67.4541% | 4,422 |
| Assets per employee ($millions) | 4.4205% | 3,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9940% | 6,003 |
| Loan loss allowance to noncurrent loans | 104.8708% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 0.9880% | 3,952 |
| Noncurrent loans to loans | 0.9479% | 4,247 |
| Net loans and leases to total assets | 59.4265% | 3,530 |
| Net loans and leases to deposits | 65.8198% | 4,079 |
| Net loans and leases to core deposits | 70.5070% | 4,010 |
| Total domestic deposits to total assets | 90.2867% | 887 |
| Equity capital to assets | 9.3937% | 5,008 |
| Core capital (leverage) ratio | 8.6140% | 5,436 |
| Tier 1 risk-based capital ratio | 14.9079% | 3,908 |
| Total risk-based capital ratio | 15.9190% | 4,019 |
| Memoranda: |
| Average total assets | $180,180,000 | 3,342 |
| Average earning assets | $167,373,000 | 3,315 |
| Average equity | $16,323,000 | 3,767 |
| Average total loans | $110,308,500 | 3,281 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6058% | 2,975 |
| Cost of funding earning assets | 0.5509% | 4,812 |
| Net interest margin | 4.0550% | 2,170 |
| Noninterest income to average assets | 0.4404% | 4,318 |
| Noninterest expense to average assets | 2.8864% | 3,691 |
| Loan and lease loss provision to assets | 0.0980% | 4,420 |
| Net operating income to assets | 1.2347% | 1,490 |
| Return on assets (ROA) | 1.4671% | 1,087 |
| Pretax return on assets | 1.4671% | 1,793 |
| Return on Equity (ROE) | 16.0388% | 655 |
| Retained earnings to average equity (ytd only) | 12.2496% | 303 |
| Net charge-offs to loans | 0.0451% | 5,277 |
| Credit loss provision to net charge-offs | 356.5217% | 686 |
| Earnings coverage of net charge-offs (x) | 48.4783% | 692 |
| Efficiency ratio | 68.4136% | 4,067 |
| Assets per employee ($millions) | 4.3700% | 3,210 |
| Cash dividends to net income (ytd only)* | 23.6253% | 3,624 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9425% | 6,152 |
| Loan loss allowance to noncurrent loans | 156.6038% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 0.7186% | 4,679 |
| Noncurrent loans to loans | 0.6018% | 5,016 |
| Net loans and leases to total assets | 61.7876% | 3,287 |
| Net loans and leases to deposits | 72.2205% | 3,379 |
| Net loans and leases to core deposits | 77.6752% | 3,304 |
| Total domestic deposits to total assets | 85.5541% | 3,583 |
| Equity capital to assets | 8.7371% | 5,810 |
| Core capital (leverage) ratio | 8.3192% | 5,869 |
| Tier 1 risk-based capital ratio | 14.2452% | 4,208 |
| Total risk-based capital ratio | 15.2744% | 4,327 |
| Memoranda: |
| Average total assets | $167,333,600 | 3,495 |
| Average earning assets | $155,932,600 | 3,452 |
| Average equity | $15,306,600 | 3,893 |
| Average total loans | $101,941,400 | 3,470 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6004% | 3,196 |
| Cost of funding earning assets | 0.5633% | 4,974 |
| Net interest margin | 4.0371% | 2,350 |
| Noninterest income to average assets | 0.4524% | 4,275 |
| Noninterest expense to average assets | 2.8915% | 3,633 |
| Loan and lease loss provision to assets | 0.1339% | 3,869 |
| Net operating income to assets | 1.2077% | 1,707 |
| Return on assets (ROA) | 1.3343% | 1,503 |
| Pretax return on assets | 1.3343% | 2,478 |
| Return on Equity (ROE) | 14.4047% | 1,023 |
| Retained earnings to average equity (ytd only) | 12.3331% | 478 |
| Net charge-offs to loans | 0.0364% | 5,138 |
| Credit loss provision to net charge-offs | 607.4074% | 438 |
| Earnings coverage of net charge-offs (x) | 60.8503% | 647 |
| Efficiency ratio | 68.3063% | 3,996 |
| Assets per employee ($millions) | 3.8651% | 4,163 |
| Cash dividends to net income (ytd only)* | 14.3821% | 3,277 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0089% | 6,043 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 1.0149% | 4,254 |
| Noncurrent loans to loans | 1.0089% | 4,433 |
| Net loans and leases to total assets | 63.3470% | 3,148 |
| Net loans and leases to deposits | 71.8240% | 3,635 |
| Net loans and leases to core deposits | 77.4921% | 3,533 |
| Total domestic deposits to total assets | 88.1975% | 1,922 |
| Equity capital to assets | 9.4728% | 5,239 |
| Core capital (leverage) ratio | 8.7099% | 5,460 |
| Tier 1 risk-based capital ratio | 14.1367% | 4,431 |
| Total risk-based capital ratio | 15.2103% | 4,506 |
| Memoranda: |
| Average total assets | $163,282,000 | 3,595 |
| Average earning assets | $152,910,250 | 3,531 |
| Average equity | $15,124,250 | 3,971 |
| Average total loans | $98,805,750 | 3,594 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6056% | 3,333 |
| Cost of funding earning assets | 0.5981% | 4,922 |
| Net interest margin | 4.0075% | 2,473 |
| Noninterest income to average assets | 0.4794% | 4,062 |
| Noninterest expense to average assets | 2.8642% | 3,768 |
| Loan and lease loss provision to assets | 0.2037% | 3,033 |
| Net operating income to assets | 1.1564% | 1,858 |
| Return on assets (ROA) | 1.3489% | 1,465 |
| Pretax return on assets | 1.3489% | 2,392 |
| Return on Equity (ROE) | 14.6800% | 990 |
| Retained earnings to average equity (ytd only) | 12.5712% | 496 |
| Net charge-offs to loans | 0.0482% | 4,723 |
| Credit loss provision to net charge-offs | 713.0435% | 446 |
| Earnings coverage of net charge-offs (x) | 47.6087% | 763 |
| Efficiency ratio | 67.8036% | 4,164 |
| Assets per employee ($millions) | 3.7047% | 4,512 |
| Cash dividends to net income (ytd only)* | 14.3646% | 3,174 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1314% | 5,641 |
| Loan loss allowance to noncurrent loans | 140.9207% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 1.0889% | 4,203 |
| Noncurrent loans to loans | 0.8029% | 4,898 |
| Net loans and leases to total assets | 59.0773% | 3,981 |
| Net loans and leases to deposits | 67.7208% | 4,247 |
| Net loans and leases to core deposits | 72.9903% | 4,168 |
| Total domestic deposits to total assets | 87.2366% | 2,628 |
| Equity capital to assets | 9.3789% | 5,222 |
| Core capital (leverage) ratio | 8.8662% | 5,100 |
| Tier 1 risk-based capital ratio | 14.0465% | 4,418 |
| Total risk-based capital ratio | 15.1529% | 4,495 |
| Memoranda: |
| Average total assets | $161,021,000 | 3,642 |
| Average earning assets | $150,469,670 | 3,591 |
| Average equity | $14,795,670 | 4,031 |
| Average total loans | $95,464,670 | 3,680 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6610% | 3,212 |
| Cost of funding earning assets | 0.6300% | 4,892 |
| Net interest margin | 4.0310% | 2,367 |
| Noninterest income to average assets | 0.5624% | 3,477 |
| Noninterest expense to average assets | 2.8545% | 3,801 |
| Loan and lease loss provision to assets | 0.2475% | 2,486 |
| Net operating income to assets | 1.2348% | 1,645 |
| Return on assets (ROA) | 1.2348% | 1,822 |
| Pretax return on assets | 1.2348% | 2,788 |
| Return on Equity (ROE) | 13.5812% | 1,282 |
| Retained earnings to average equity (ytd only) | 13.5812% | 613 |
| Net charge-offs to loans | 0.0254% | 4,331 |
| Credit loss provision to net charge-offs | 1,650.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 98.8333% | 350 |
| Efficiency ratio | 65.8213% | 4,591 |
| Assets per employee ($millions) | 3.5933% | 4,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1715% | 5,631 |
| Loan loss allowance to noncurrent loans | 73.2962% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 1.8962% | 3,048 |
| Noncurrent loans to loans | 1.5983% | 3,723 |
| Net loans and leases to total assets | 56.2399% | 4,338 |
| Net loans and leases to deposits | 62.2655% | 4,876 |
| Net loans and leases to core deposits | 67.1599% | 4,780 |
| Total domestic deposits to total assets | 90.3228% | 899 |
| Equity capital to assets | 9.3926% | 4,971 |
| Core capital (leverage) ratio | 8.3767% | 5,764 |
| Tier 1 risk-based capital ratio | 13.9517% | 4,502 |
| Total risk-based capital ratio | 15.0368% | 4,601 |
| Memoranda: |
| Average total assets | $160,029,000 | 3,689 |
| Average earning assets | $149,839,000 | 3,621 |
| Average equity | $14,549,500 | 4,082 |
| Average total loans | $94,496,500 | 3,722 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9368% | 3,172 |
| Cost of funding earning assets | 0.8491% | 4,478 |
| Net interest margin | 4.0877% | 2,484 |
| Noninterest income to average assets | 0.5757% | 3,325 |
| Noninterest expense to average assets | 3.2249% | 2,780 |
| Loan and lease loss provision to assets | 0.0687% | 5,752 |
| Net operating income to assets | 1.1041% | 1,812 |
| Return on assets (ROA) | 1.2749% | 1,408 |
| Pretax return on assets | 1.2749% | 2,219 |
| Return on Equity (ROE) | 14.5889% | 812 |
| Retained earnings to average equity (ytd only) | 10.8100% | 430 |
| Net charge-offs to loans | 0.1951% | 4,583 |
| Credit loss provision to net charge-offs | 60.5882% | 5,154 |
| Earnings coverage of net charge-offs (x) | 10.3412% | 1,852 |
| Efficiency ratio | 73.3313% | 3,335 |
| Assets per employee ($millions) | 3.6808% | 4,592 |
| Cash dividends to net income (ytd only)* | 25.9027% | 3,288 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9715% | 6,331 |
| Loan loss allowance to noncurrent loans | 72.6586% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 1.7807% | 3,279 |
| Noncurrent loans to loans | 1.3371% | 4,140 |
| Net loans and leases to total assets | 60.5477% | 3,883 |
| Net loans and leases to deposits | 68.5840% | 4,349 |
| Net loans and leases to core deposits | 74.0467% | 4,236 |
| Total domestic deposits to total assets | 88.2825% | 1,978 |
| Equity capital to assets | 8.7981% | 5,798 |
| Core capital (leverage) ratio | 8.1104% | 6,127 |
| Tier 1 risk-based capital ratio | 13.4158% | 4,756 |
| Total risk-based capital ratio | 14.4040% | 4,933 |
| Memoranda: |
| Average total assets | $149,898,000 | 3,802 |
| Average earning assets | $140,150,600 | 3,742 |
| Average equity | $13,099,000 | 4,323 |
| Average total loans | $87,115,800 | 3,932 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0228% | 2,985 |
| Cost of funding earning assets | 0.8905% | 4,467 |
| Net interest margin | 4.1323% | 2,344 |
| Noninterest income to average assets | 0.5483% | 3,525 |
| Noninterest expense to average assets | 3.2914% | 2,523 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1111% | 1,928 |
| Return on assets (ROA) | 1.1292% | 2,002 |
| Pretax return on assets | 1.1292% | 2,899 |
| Return on Equity (ROE) | 12.9464% | 1,290 |
| Retained earnings to average equity (ytd only) | 8.8876% | 1,187 |
| Net charge-offs to loans | 0.0539% | 5,434 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 36.0018% | 830 |
| Efficiency ratio | 74.7629% | 3,040 |
| Assets per employee ($millions) | 3.5794% | 4,810 |
| Cash dividends to net income (ytd only)* | 31.3506% | 2,410 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1244% | 5,791 |
| Loan loss allowance to noncurrent loans | 148.8024% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 1.1746% | 4,436 |
| Noncurrent loans to loans | 0.7557% | 5,363 |
| Net loans and leases to total assets | 55.4976% | 4,917 |
| Net loans and leases to deposits | 61.9189% | 5,413 |
| Net loans and leases to core deposits | 67.1239% | 5,291 |
| Total domestic deposits to total assets | 89.6295% | 1,077 |
| Equity capital to assets | 8.9406% | 5,820 |
| Core capital (leverage) ratio | 8.2466% | 6,064 |
| Tier 1 risk-based capital ratio | 13.4493% | 4,774 |
| Total risk-based capital ratio | 14.5191% | 4,872 |
| Memoranda: |
| Average total assets | $146,883,750 | 3,870 |
| Average earning assets | $136,998,000 | 3,818 |
| Average equity | $12,811,500 | 4,379 |
| Average total loans | $84,139,250 | 4,055 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1613% | 2,412 |
| Cost of funding earning assets | 0.9428% | 4,373 |
| Net interest margin | 4.2185% | 1,963 |
| Noninterest income to average assets | 0.5427% | 3,532 |
| Noninterest expense to average assets | 3.3513% | 2,397 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1245% | 1,805 |
| Return on assets (ROA) | 1.1245% | 1,885 |
| Pretax return on assets | 1.1245% | 2,755 |
| Return on Equity (ROE) | 13.0122% | 1,194 |
| Retained earnings to average equity (ytd only) | 7.6039% | 1,615 |
| Net charge-offs to loans | 0.0363% | 5,344 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 53.7333% | 589 |
| Efficiency ratio | 74.8753% | 3,204 |
| Assets per employee ($millions) | 3.3412% | 5,340 |
| Cash dividends to net income (ytd only)* | 41.5633% | 2,003 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2366% | 5,379 |
| Loan loss allowance to noncurrent loans | 118.1818% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 1.1591% | 4,572 |
| Noncurrent loans to loans | 1.0463% | 4,904 |
| Net loans and leases to total assets | 55.0891% | 5,131 |
| Net loans and leases to deposits | 60.6931% | 5,652 |
| Net loans and leases to core deposits | 66.4612% | 5,451 |
| Total domestic deposits to total assets | 90.7667% | 600 |
| Equity capital to assets | 8.8408% | 5,769 |
| Core capital (leverage) ratio | 8.2709% | 5,914 |
| Tier 1 risk-based capital ratio | 13.1201% | 4,823 |
| Total risk-based capital ratio | 14.2184% | 4,923 |
| Memoranda: |
| Average total assets | $143,346,670 | 3,971 |
| Average earning assets | $133,649,000 | 3,914 |
| Average equity | $12,388,330 | 4,452 |
| Average total loans | $82,719,000 | 4,135 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1522% | 2,424 |
| Cost of funding earning assets | 0.9717% | 4,411 |
| Net interest margin | 4.1805% | 1,963 |
| Noninterest income to average assets | 0.6021% | 3,149 |
| Noninterest expense to average assets | 3.2619% | 2,671 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2437% | 1,404 |
| Return on assets (ROA) | 1.2437% | 1,456 |
| Pretax return on assets | 1.2437% | 2,219 |
| Return on Equity (ROE) | 14.5647% | 894 |
| Retained earnings to average equity (ytd only) | 11.2546% | 849 |
| Net charge-offs to loans | 0.0915% | 4,028 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 23.1579% | 1,031 |
| Efficiency ratio | 72.3965% | 3,791 |
| Assets per employee ($millions) | 3.2641% | 5,568 |
| Cash dividends to net income (ytd only)* | 22.7273% | 2,151 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2208% | 5,518 |
| Loan loss allowance to noncurrent loans | 731.8841% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.7227% | 5,487 |
| Noncurrent loans to loans | 0.1668% | 6,636 |
| Net loans and leases to total assets | 56.9026% | 4,823 |
| Net loans and leases to deposits | 62.5458% | 5,438 |
| Net loans and leases to core deposits | 67.6885% | 5,331 |
| Total domestic deposits to total assets | 90.9775% | 638 |
| Equity capital to assets | 8.6799% | 5,682 |
| Core capital (leverage) ratio | 8.4991% | 5,455 |
| Tier 1 risk-based capital ratio | 11.9016% | 5,779 |
| Total risk-based capital ratio | 12.9047% | 5,965 |
| Memoranda: |
| Average total assets | $141,514,500 | 4,036 |
| Average earning assets | $132,136,500 | 3,974 |
| Average equity | $12,084,000 | 4,528 |
| Average total loans | $83,078,000 | 4,161 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5300% | 2,161 |
| Cost of funding earning assets | 1.3767% | 3,409 |
| Net interest margin | 4.1533% | 2,354 |
| Noninterest income to average assets | 0.9232% | 1,762 |
| Noninterest expense to average assets | 3.3148% | 2,688 |
| Loan and lease loss provision to assets | 0.1521% | 5,680 |
| Net operating income to assets | 1.3237% | 1,116 |
| Return on assets (ROA) | 1.0656% | 1,909 |
| Pretax return on assets | 1.0656% | 2,712 |
| Return on Equity (ROE) | 12.8175% | 1,140 |
| Retained earnings to average equity (ytd only) | 8.4762% | 847 |
| Net charge-offs to loans | 0.1223% | 5,666 |
| Credit loss provision to net charge-offs | 204.0000% | 1,525 |
| Earnings coverage of net charge-offs (x) | 19.7900% | 1,045 |
| Efficiency ratio | 69.1936% | 4,343 |
| Assets per employee ($millions) | 3.1684% | 5,736 |
| Cash dividends to net income (ytd only)* | 33.8698% | 2,880 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2335% | 5,357 |
| Loan loss allowance to noncurrent loans | 239.8601% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.7675% | 5,480 |
| Noncurrent loans to loans | 0.5142% | 6,009 |
| Net loans and leases to total assets | 59.1019% | 4,819 |
| Net loans and leases to deposits | 64.7752% | 5,542 |
| Net loans and leases to core deposits | 70.5954% | 5,388 |
| Total domestic deposits to total assets | 91.2417% | 487 |
| Equity capital to assets | 8.3939% | 6,010 |
| Core capital (leverage) ratio | 8.1880% | 5,845 |
| Tier 1 risk-based capital ratio | 12.7643% | 4,805 |
| Total risk-based capital ratio | 13.8925% | 4,886 |
| Memoranda: |
| Average total assets | $134,097,400 | 4,176 |
| Average earning assets | $124,863,600 | 4,136 |
| Average equity | $11,148,800 | 4,827 |
| Average total loans | $81,753,000 | 4,291 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6012% | 2,053 |
| Cost of funding earning assets | 1.4408% | 3,325 |
| Net interest margin | 4.1604% | 2,362 |
| Noninterest income to average assets | 0.8154% | 2,153 |
| Noninterest expense to average assets | 3.2728% | 2,664 |
| Loan and lease loss provision to assets | 0.1074% | 5,961 |
| Net operating income to assets | 1.3065% | 1,324 |
| Return on assets (ROA) | 0.9590% | 2,502 |
| Pretax return on assets | 0.9590% | 3,335 |
| Return on Equity (ROE) | 11.5644% | 1,630 |
| Retained earnings to average equity (ytd only) | 6.1394% | 2,291 |
| Net charge-offs to loans | 0.1016% | 5,511 |
| Credit loss provision to net charge-offs | 172.5806% | 2,138 |
| Earnings coverage of net charge-offs (x) | 22.7110% | 1,083 |
| Efficiency ratio | 69.8307% | 4,102 |
| Assets per employee ($millions) | 3.2778% | 5,520 |
| Cash dividends to net income (ytd only)* | 46.9112% | 1,762 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1888% | 5,550 |
| Loan loss allowance to noncurrent loans | 266.2088% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.7130% | 5,684 |
| Noncurrent loans to loans | 0.4465% | 6,296 |
| Net loans and leases to total assets | 57.1460% | 5,390 |
| Net loans and leases to deposits | 62.8801% | 6,035 |
| Net loans and leases to core deposits | 68.6225% | 5,884 |
| Total domestic deposits to total assets | 90.8809% | 489 |
| Equity capital to assets | 8.6806% | 6,049 |
| Core capital (leverage) ratio | 8.0328% | 6,297 |
| Tier 1 risk-based capital ratio | 12.5032% | 4,979 |
| Total risk-based capital ratio | 13.5845% | 5,113 |
| Memoranda: |
| Average total assets | $132,769,250 | 4,256 |
| Average earning assets | $123,543,000 | 4,211 |
| Average equity | $11,010,500 | 4,920 |
| Average total loans | $81,335,500 | 4,372 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7201% | 1,689 |
| Cost of funding earning assets | 1.4983% | 3,269 |
| Net interest margin | 4.2218% | 2,087 |
| Noninterest income to average assets | 0.9182% | 1,627 |
| Noninterest expense to average assets | 3.2989% | 2,566 |
| Loan and lease loss provision to assets | 0.1646% | 5,245 |
| Net operating income to assets | 1.3765% | 1,133 |
| Return on assets (ROA) | 0.8443% | 2,909 |
| Pretax return on assets | 0.8443% | 3,728 |
| Return on Equity (ROE) | 10.3562% | 1,978 |
| Retained earnings to average equity (ytd only) | 5.1687% | 2,806 |
| Net charge-offs to loans | 0.1353% | 4,860 |
| Credit loss provision to net charge-offs | 194.5455% | 2,028 |
| Earnings coverage of net charge-offs (x) | 18.2182% | 1,298 |
| Efficiency ratio | 68.1602% | 4,552 |
| Assets per employee ($millions) | 2.9054% | 6,343 |
| Cash dividends to net income (ytd only)* | 50.0911% | 1,685 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1763% | 5,568 |
| Loan loss allowance to noncurrent loans | 271.3889% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.5793% | 6,036 |
| Noncurrent loans to loans | 0.4334% | 6,373 |
| Net loans and leases to total assets | 60.1066% | 5,037 |
| Net loans and leases to deposits | 65.6839% | 5,849 |
| Net loans and leases to core deposits | 69.8697% | 5,884 |
| Total domestic deposits to total assets | 91.5089% | 325 |
| Equity capital to assets | 8.0569% | 6,691 |
| Core capital (leverage) ratio | 7.6782% | 6,638 |
| Tier 1 risk-based capital ratio | 11.5210% | 5,755 |
| Total risk-based capital ratio | 12.6115% | 5,881 |
| Memoranda: |
| Average total assets | $130,043,670 | 4,349 |
| Average earning assets | $120,802,330 | 4,294 |
| Average equity | $10,602,330 | 5,030 |
| Average total loans | $81,276,000 | 4,407 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7967% | 1,471 |
| Cost of funding earning assets | 1.5939% | 3,001 |
| Net interest margin | 4.2028% | 2,026 |
| Noninterest income to average assets | 0.6341% | 3,052 |
| Noninterest expense to average assets | 3.3662% | 2,322 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1610% | 1,646 |
| Return on assets (ROA) | 0.0694% | 6,213 |
| Pretax return on assets | 0.0694% | 6,207 |
| Return on Equity (ROE) | 0.8460% | 6,162 |
| Retained earnings to average equity (ytd only) | -3.1915% | 6,391 |
| Net charge-offs to loans | 0.0398% | 5,022 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 46.0000% | 605 |
| Efficiency ratio | 74.3554% | 3,519 |
| Assets per employee ($millions) | 3.1716% | 5,833 |
| Cash dividends to net income (ytd only)* | 477.2727% | 48 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1254% | 5,891 |
| Loan loss allowance to noncurrent loans | 420.6422% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.8559% | 5,446 |
| Noncurrent loans to loans | 0.2676% | 6,789 |
| Net loans and leases to total assets | 61.9531% | 4,769 |
| Net loans and leases to deposits | 67.7795% | 5,619 |
| Net loans and leases to core deposits | 72.1836% | 5,692 |
| Total domestic deposits to total assets | 91.4040% | 405 |
| Equity capital to assets | 8.1754% | 6,461 |
| Core capital (leverage) ratio | 7.6346% | 6,696 |
| Tier 1 risk-based capital ratio | 11.1344% | 6,021 |
| Total risk-based capital ratio | 12.1908% | 6,192 |
| Memoranda: |
| Average total assets | $126,788,500 | 4,486 |
| Average earning assets | $117,446,500 | 4,436 |
| Average equity | $10,402,500 | 5,131 |
| Average total loans | $80,386,500 | 4,492 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2983% | 1,030 |
| Cost of funding earning assets | 1.9490% | 3,219 |
| Net interest margin | 4.3493% | 1,576 |
| Noninterest income to average assets | 0.7972% | 2,417 |
| Noninterest expense to average assets | 3.4527% | 2,517 |
| Loan and lease loss provision to assets | 0.2115% | 5,651 |
| Net operating income to assets | 0.9330% | 2,075 |
| Return on assets (ROA) | 0.9330% | 2,128 |
| Pretax return on assets | 1.1687% | 2,036 |
| Return on Equity (ROE) | 11.4449% | 1,308 |
| Retained earnings to average equity (ytd only) | 10.1264% | 358 |
| Net charge-offs to loans | 0.1750% | 5,553 |
| Credit loss provision to net charge-offs | 180.8824% | 2,290 |
| Earnings coverage of net charge-offs (x) | 11.8015% | 1,566 |
| Efficiency ratio | 71.4413% | 4,364 |
| Assets per employee ($millions) | 2.6857% | 6,877 |
| Cash dividends to net income (ytd only)* | 11.5207% | 3,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1665% | 5,554 |
| Loan loss allowance to noncurrent loans | 469.5431% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.8556% | 5,395 |
| Noncurrent loans to loans | 0.2484% | 6,803 |
| Net loans and leases to total assets | 63.4361% | 4,716 |
| Net loans and leases to deposits | 69.6378% | 5,652 |
| Net loans and leases to core deposits | 103.9790% | 3,579 |
| Total domestic deposits to total assets | 91.0944% | 500 |
| Equity capital to assets | 8.2354% | 6,296 |
| Core capital (leverage) ratio | 8.0907% | 6,007 |
| Tier 1 risk-based capital ratio | 11.5041% | 5,389 |
| Total risk-based capital ratio | 12.5957% | 5,521 |
| Memoranda: |
| Average total assets | $116,286,000 | 4,675 |
| Average earning assets | $107,902,400 | 4,632 |
| Average equity | $9,480,200 | 5,453 |
| Average total loans | $77,713,200 | 4,594 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3804% | 960 |
| Cost of funding earning assets | 2.0324% | 3,206 |
| Net interest margin | 4.3480% | 1,594 |
| Noninterest income to average assets | 0.6825% | 3,139 |
| Noninterest expense to average assets | 3.4068% | 2,557 |
| Loan and lease loss provision to assets | 0.0524% | 6,854 |
| Net operating income to assets | 1.0133% | 2,006 |
| Return on assets (ROA) | 1.0133% | 2,074 |
| Pretax return on assets | 1.2649% | 2,066 |
| Return on Equity (ROE) | 12.4637% | 1,247 |
| Retained earnings to average equity (ytd only) | 10.6730% | 517 |
| Net charge-offs to loans | 0.1638% | 5,078 |
| Credit loss provision to net charge-offs | 47.3684% | 6,352 |
| Earnings coverage of net charge-offs (x) | 11.9056% | 1,814 |
| Efficiency ratio | 72.1154% | 4,223 |
| Assets per employee ($millions) | 2.5933% | 7,060 |
| Cash dividends to net income (ytd only)* | 14.3676% | 3,401 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9802% | 6,397 |
| Loan loss allowance to noncurrent loans | 304.7809% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.3353% | 6,645 |
| Noncurrent loans to loans | 0.3216% | 6,713 |
| Net loans and leases to total assets | 64.7795% | 4,702 |
| Net loans and leases to deposits | 71.4313% | 5,746 |
| Net loans and leases to core deposits | 110.8834% | 3,137 |
| Total domestic deposits to total assets | 90.6877% | 519 |
| Equity capital to assets | 8.4715% | 6,282 |
| Core capital (leverage) ratio | 8.1797% | 6,055 |
| Tier 1 risk-based capital ratio | 11.7514% | 5,201 |
| Total risk-based capital ratio | 12.6945% | 5,431 |
| Memoranda: |
| Average total assets | $114,472,500 | 4,730 |
| Average earning assets | $106,406,500 | 4,695 |
| Average equity | $9,306,750 | 5,555 |
| Average total loans | $77,318,000 | 4,653 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4435% | 921 |
| Cost of funding earning assets | 2.1453% | 3,062 |
| Net interest margin | 4.2982% | 1,661 |
| Noninterest income to average assets | 0.6663% | 3,219 |
| Noninterest expense to average assets | 3.4147% | 2,581 |
| Loan and lease loss provision to assets | 0.0532% | 6,696 |
| Net operating income to assets | 0.9569% | 2,257 |
| Return on assets (ROA) | 0.9569% | 2,356 |
| Pretax return on assets | 1.1855% | 2,340 |
| Return on Equity (ROE) | 11.9465% | 1,425 |
| Retained earnings to average equity (ytd only) | 9.1811% | 895 |
| Net charge-offs to loans | 0.2309% | 4,053 |
| Credit loss provision to net charge-offs | 33.7079% | 5,980 |
| Earnings coverage of net charge-offs (x) | 7.8539% | 2,375 |
| Efficiency ratio | 73.3816% | 4,129 |
| Assets per employee ($millions) | 2.6920% | 6,850 |
| Cash dividends to net income (ytd only)* | 23.1481% | 3,073 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9812% | 6,369 |
| Loan loss allowance to noncurrent loans | 693.5780% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.1054% | 7,310 |
| Noncurrent loans to loans | 0.1415% | 7,166 |
| Net loans and leases to total assets | 65.9105% | 4,576 |
| Net loans and leases to deposits | 73.4401% | 5,543 |
| Net loans and leases to core deposits | 109.9084% | 3,383 |
| Total domestic deposits to total assets | 89.7472% | 936 |
| Equity capital to assets | 8.0239% | 6,723 |
| Core capital (leverage) ratio | 7.9627% | 6,398 |
| Tier 1 risk-based capital ratio | 11.3330% | 5,564 |
| Total risk-based capital ratio | 12.2640% | 5,792 |
| Memoranda: |
| Average total assets | $112,865,330 | 4,804 |
| Average earning assets | $104,694,330 | 4,765 |
| Average equity | $9,040,330 | 5,671 |
| Average total loans | $77,076,330 | 4,696 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4990% | 869 |
| Cost of funding earning assets | 2.2231% | 3,047 |
| Net interest margin | 4.2759% | 1,658 |
| Noninterest income to average assets | 0.7288% | 2,712 |
| Noninterest expense to average assets | 3.3566% | 2,480 |
| Loan and lease loss provision to assets | 0.0538% | 6,291 |
| Net operating income to assets | 1.0734% | 2,051 |
| Return on assets (ROA) | 1.0734% | 2,186 |
| Pretax return on assets | 1.2816% | 2,342 |
| Return on Equity (ROE) | 13.4133% | 1,289 |
| Retained earnings to average equity (ytd only) | 9.3759% | 1,379 |
| Net charge-offs to loans | 0.2698% | 3,049 |
| Credit loss provision to net charge-offs | 28.8462% | 4,962 |
| Earnings coverage of net charge-offs (x) | 7.1538% | 2,384 |
| Efficiency ratio | 71.5379% | 4,264 |
| Assets per employee ($millions) | 2.6271% | 7,035 |
| Cash dividends to net income (ytd only)* | 30.1003% | 2,323 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0008% | 6,172 |
| Loan loss allowance to noncurrent loans | 241.6149% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.2850% | 6,656 |
| Noncurrent loans to loans | 0.4142% | 6,386 |
| Net loans and leases to total assets | 68.1261% | 4,105 |
| Net loans and leases to deposits | 74.5671% | 5,412 |
| Net loans and leases to core deposits | 110.1695% | 3,410 |
| Total domestic deposits to total assets | 91.3621% | 307 |
| Equity capital to assets | 8.0926% | 6,681 |
| Core capital (leverage) ratio | 7.9679% | 6,516 |
| Tier 1 risk-based capital ratio | 10.8180% | 6,074 |
| Total risk-based capital ratio | 11.7638% | 6,292 |
| Memoranda: |
| Average total assets | $111,421,000 | 4,865 |
| Average earning assets | $103,277,000 | 4,826 |
| Average equity | $8,916,500 | 5,730 |
| Average total loans | $77,089,500 | 4,724 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.9302% | 1,311 |
| Cost of funding earning assets | 2.6615% | 3,361 |
| Net interest margin | 4.2687% | 2,073 |
| Noninterest income to average assets | 0.7897% | 2,575 |
| Noninterest expense to average assets | 3.2819% | 3,024 |
| Loan and lease loss provision to assets | 0.0028% | 7,314 |
| Net operating income to assets | 1.1072% | 2,118 |
| Return on assets (ROA) | 1.1080% | 2,028 |
| Pretax return on assets | 1.4402% | 1,850 |
| Return on Equity (ROE) | 14.6608% | 982 |
| Retained earnings to average equity (ytd only) | 13.2652% | 151 |
| Net charge-offs to loans | 0.0447% | 6,147 |
| Credit loss provision to net charge-offs | 9.0909% | 6,627 |
| Earnings coverage of net charge-offs (x) | 46.8182% | 797 |
| Efficiency ratio | 69.4724% | 4,450 |
| Assets per employee ($millions) | 2.5552% | 7,098 |
| Cash dividends to net income (ytd only)* | 9.5198% | 4,697 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0662% | 5,509 |
| Loan loss allowance to noncurrent loans | 198.2968% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.3741% | 6,118 |
| Noncurrent loans to loans | 0.5377% | 5,749 |
| Net loans and leases to total assets | 68.8291% | 4,295 |
| Net loans and leases to deposits | 78.2675% | 5,300 |
| Net loans and leases to core deposits | 114.6596% | 3,267 |
| Total domestic deposits to total assets | 87.9408% | 1,494 |
| Equity capital to assets | 7.9099% | 6,954 |
| Core capital (leverage) ratio | 7.9263% | 6,608 |
| Tier 1 risk-based capital ratio | 10.7998% | 5,918 |
| Total risk-based capital ratio | 11.8129% | 6,045 |
| Memoranda: |
| Average total assets | $107,134,600 | 4,854 |
| Average earning assets | $98,741,600 | 4,840 |
| Average equity | $8,096,400 | 6,047 |
| Average total loans | $73,881,400 | 4,742 |
