| 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 | 6.5781% | 323 |
| Cost of funding earning assets | 2.6843% | 256 |
| Net interest margin | 3.8938% | 1,392 |
| Noninterest income to average assets | 0.4800% | 2,084 |
| Noninterest expense to average assets | 2.0756% | 3,463 |
| Loan and lease loss provision to assets | 0.5300% | 165 |
| Net operating income to assets | 1.2187% | 1,608 |
| Return on assets (ROA) | 1.2187% | 1,580 |
| Pretax return on assets | 1.5712% | 1,290 |
| Return on Equity (ROE) | 9.6400% | 2,598 |
| Retained earnings to average equity (ytd only) | 8.0062% | 1,538 |
| Net charge-offs to loans | -0.1962% | 4,559 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 49.6395% | 4,005 |
| Assets per employee ($millions) | 10.9197% | 536 |
| Cash dividends to net income (ytd only)* | 16.9906% | 3,042 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6921% | 674 |
| Loan loss allowance to noncurrent loans | 77.8069% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 1.7143% | 199 |
| Noncurrent loans to loans | 2.1747% | 247 |
| Net loans and leases to total assets | 77.4900% | 918 |
| Net loans and leases to deposits | 93.7492% | 957 |
| Net loans and leases to core deposits | 122.3406% | 559 |
| Total domestic deposits to total assets | 82.6600% | 2,969 |
| Equity capital to assets | 12.7299% | 931 |
| Core capital (leverage) ratio | 13.0915% | 1,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2462% | 1,036 |
| Memoranda: |
| Average total assets | $603,671,200 | 1,468 |
| Average earning assets | $573,249,800 | 1,432 |
| Average equity | $76,278,800 | 1,171 |
| Average total loans | $480,211,200 | 1,277 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6426% | 267 |
| Cost of funding earning assets | 2.5308% | 259 |
| Net interest margin | 4.1119% | 1,043 |
| Noninterest income to average assets | 0.5900% | 1,557 |
| Noninterest expense to average assets | 2.3446% | 2,667 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.6670% | 840 |
| Return on assets (ROA) | 1.6670% | 836 |
| Pretax return on assets | 2.1144% | 639 |
| Return on Equity (ROE) | 13.2200% | 1,859 |
| Retained earnings to average equity (ytd only) | 12.0710% | 960 |
| Net charge-offs to loans | -0.2630% | 4,588 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 52.1694% | 3,744 |
| Assets per employee ($millions) | 10.7387% | 538 |
| Cash dividends to net income (ytd only)* | 8.6794% | 2,822 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0856% | 2,934 |
| Loan loss allowance to noncurrent loans | 116.1562% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 0.7361% | 764 |
| Noncurrent loans to loans | 0.9346% | 880 |
| Net loans and leases to total assets | 77.9100% | 896 |
| Net loans and leases to deposits | 91.3195% | 1,112 |
| Net loans and leases to core deposits | 116.7551% | 645 |
| Total domestic deposits to total assets | 85.3200% | 2,407 |
| Equity capital to assets | 12.7367% | 865 |
| Core capital (leverage) ratio | 13.2592% | 1,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6064% | 1,002 |
| Memoranda: |
| Average total assets | $598,983,500 | 1,477 |
| Average earning assets | $568,714,750 | 1,442 |
| Average equity | $75,540,000 | 1,170 |
| Average total loans | $477,605,000 | 1,277 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6355% | 229 |
| Cost of funding earning assets | 2.3465% | 249 |
| Net interest margin | 4.2890% | 818 |
| Noninterest income to average assets | 0.5700% | 1,585 |
| Noninterest expense to average assets | 2.4510% | 2,352 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7235% | 752 |
| Return on assets (ROA) | 1.7235% | 752 |
| Pretax return on assets | 2.1934% | 539 |
| Return on Equity (ROE) | 13.7100% | 1,742 |
| Retained earnings to average equity (ytd only) | 11.9733% | 993 |
| Net charge-offs to loans | -0.3957% | 4,627 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 52.7738% | 3,715 |
| Assets per employee ($millions) | 10.8417% | 531 |
| Cash dividends to net income (ytd only)* | 12.6854% | 2,652 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0420% | 3,236 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 79.4000% | 690 |
| Net loans and leases to deposits | 93.2301% | 930 |
| Net loans and leases to core deposits | 113.7374% | 692 |
| Total domestic deposits to total assets | 85.1600% | 2,496 |
| Equity capital to assets | 12.6652% | 896 |
| Core capital (leverage) ratio | 13.0765% | 1,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3154% | 1,062 |
| Memoranda: |
| Average total assets | $594,609,333 | 1,489 |
| Average earning assets | $564,509,000 | 1,452 |
| Average equity | $74,732,667 | 1,174 |
| Average total loans | $476,096,000 | 1,263 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2878% | 224 |
| Cost of funding earning assets | 2.0780% | 250 |
| Net interest margin | 4.2098% | 936 |
| Noninterest income to average assets | 0.8200% | 816 |
| Noninterest expense to average assets | 2.5101% | 2,223 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.8656% | 600 |
| Return on assets (ROA) | 1.8656% | 590 |
| Pretax return on assets | 2.3007% | 487 |
| Return on Equity (ROE) | 14.9000% | 1,570 |
| Retained earnings to average equity (ytd only) | 14.9026% | 812 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 52.1764% | 3,761 |
| Assets per employee ($millions) | 10.3516% | 622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8801% | 3,907 |
| Loan loss allowance to noncurrent loans | 1,435.0694% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.0488% | 3,300 |
| Noncurrent loans to loans | 0.0613% | 3,298 |
| Net loans and leases to total assets | 78.8900% | 661 |
| Net loans and leases to deposits | 92.4015% | 891 |
| Net loans and leases to core deposits | 105.9877% | 836 |
| Total domestic deposits to total assets | 85.3800% | 2,750 |
| Equity capital to assets | 12.7904% | 807 |
| Core capital (leverage) ratio | 12.9625% | 993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2399% | 1,124 |
| Memoranda: |
| Average total assets | $588,347,000 | 1,528 |
| Average earning assets | $558,223,500 | 1,496 |
| Average equity | $73,651,500 | 1,201 |
| Average total loans | $470,581,000 | 1,286 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2963% | 195 |
| Cost of funding earning assets | 0.6104% | 860 |
| Net interest margin | 4.6860% | 208 |
| Noninterest income to average assets | 0.7100% | 1,267 |
| Noninterest expense to average assets | 2.4302% | 2,338 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.1684% | 223 |
| Return on assets (ROA) | 2.1684% | 216 |
| Pretax return on assets | 2.6954% | 165 |
| Return on Equity (ROE) | 16.6000% | 942 |
| Retained earnings to average equity (ytd only) | 11.8777% | 694 |
| Net charge-offs to loans | -0.0012% | 3,375 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 47.4125% | 4,283 |
| Assets per employee ($millions) | 10.6664% | 547 |
| Cash dividends to net income (ytd only)* | 28.4268% | 2,494 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9713% | 3,509 |
| Loan loss allowance to noncurrent loans | 1,590.2778% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.0491% | 3,315 |
| Noncurrent loans to loans | 0.0611% | 3,315 |
| Net loans and leases to total assets | 79.6000% | 637 |
| Net loans and leases to deposits | 95.6175% | 671 |
| Net loans and leases to core deposits | 114.0184% | 490 |
| Total domestic deposits to total assets | 83.2500% | 3,364 |
| Equity capital to assets | 12.2448% | 866 |
| Core capital (leverage) ratio | 12.8334% | 992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9057% | 1,141 |
| Memoranda: |
| Average total assets | $519,142,600 | 1,680 |
| Average earning assets | $489,055,000 | 1,655 |
| Average equity | $67,833,000 | 1,284 |
| Average total loans | $411,305,200 | 1,359 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9395% | 229 |
| Cost of funding earning assets | 0.3343% | 1,820 |
| Net interest margin | 4.6052% | 197 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 2.3992% | 2,330 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.0830% | 256 |
| Return on assets (ROA) | 2.0830% | 255 |
| Pretax return on assets | 2.5617% | 196 |
| Return on Equity (ROE) | 15.6500% | 1,051 |
| Retained earnings to average equity (ytd only) | 10.4677% | 1,205 |
| Net charge-offs to loans | -0.0017% | 3,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 48.3626% | 4,253 |
| Assets per employee ($millions) | 10.4048% | 577 |
| Cash dividends to net income (ytd only)* | 33.1337% | 1,892 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0335% | 3,332 |
| Loan loss allowance to noncurrent loans | 1,590.2778% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 3,359 |
| Noncurrent loans to loans | 0.0650% | 3,409 |
| Net loans and leases to total assets | 79.5300% | 570 |
| Net loans and leases to deposits | 93.3908% | 674 |
| Net loans and leases to core deposits | 126.9972% | 172 |
| Total domestic deposits to total assets | 85.1500% | 3,247 |
| Equity capital to assets | 12.3380% | 808 |
| Core capital (leverage) ratio | 13.2652% | 835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3135% | 1,121 |
| Memoranda: |
| Average total assets | $502,265,500 | 1,723 |
| Average earning assets | $472,233,000 | 1,701 |
| Average equity | $66,832,750 | 1,309 |
| Average total loans | $396,244,500 | 1,397 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5990% | 309 |
| Cost of funding earning assets | 0.1861% | 3,101 |
| Net interest margin | 4.4129% | 223 |
| Noninterest income to average assets | 0.6961% | 1,355 |
| Noninterest expense to average assets | 2.4134% | 2,189 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.9730% | 240 |
| Return on assets (ROA) | 1.9730% | 240 |
| Pretax return on assets | 2.4216% | 185 |
| Return on Equity (ROE) | 14.4301% | 1,017 |
| Retained earnings to average equity (ytd only) | 9.6130% | 1,114 |
| Net charge-offs to loans | -0.0026% | 3,180 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9149% | 4,252 |
| Assets per employee ($millions) | 9.8660% | 690 |
| Cash dividends to net income (ytd only)* | 33.3820% | 1,974 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0626% | 3,312 |
| Loan loss allowance to noncurrent loans | 1,590.2778% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.0551% | 3,433 |
| Noncurrent loans to loans | 0.0668% | 3,463 |
| Net loans and leases to total assets | 81.5528% | 312 |
| Net loans and leases to deposits | 99.7066% | 282 |
| Net loans and leases to core deposits | 130.4262% | 122 |
| Total domestic deposits to total assets | 81.7929% | 4,036 |
| Equity capital to assets | 12.8208% | 696 |
| Core capital (leverage) ratio | 14.4492% | 546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2878% | 1,124 |
| Memoranda: |
| Average total assets | $485,868,333 | 1,779 |
| Average earning assets | $455,709,333 | 1,764 |
| Average equity | $66,430,667 | 1,338 |
| Average total loans | $380,615,000 | 1,437 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4473% | 354 |
| Cost of funding earning assets | 0.1505% | 3,501 |
| Net interest margin | 4.2969% | 237 |
| Noninterest income to average assets | 0.5991% | 1,701 |
| Noninterest expense to average assets | 2.4110% | 2,123 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.8230% | 314 |
| Return on assets (ROA) | 1.8230% | 316 |
| Pretax return on assets | 2.2210% | 251 |
| Return on Equity (ROE) | 12.8845% | 1,065 |
| Retained earnings to average equity (ytd only) | 6.8354% | 1,943 |
| Net charge-offs to loans | -0.0056% | 3,375 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0510% | 4,196 |
| Assets per employee ($millions) | 9.3931% | 795 |
| Cash dividends to net income (ytd only)* | 46.9484% | 1,326 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2593% | 2,551 |
| Loan loss allowance to noncurrent loans | 1,590.2778% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.0601% | 3,457 |
| Noncurrent loans to loans | 0.0792% | 3,445 |
| Net loans and leases to total assets | 74.9661% | 582 |
| Net loans and leases to deposits | 89.7615% | 526 |
| Net loans and leases to core deposits | 109.0452% | 281 |
| Total domestic deposits to total assets | 83.5171% | 3,859 |
| Equity capital to assets | 13.7751% | 558 |
| Core capital (leverage) ratio | 15.2404% | 406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9729% | 759 |
| Memoranda: |
| Average total assets | $467,353,000 | 1,833 |
| Average earning assets | $438,646,500 | 1,831 |
| Average equity | $66,126,000 | 1,387 |
| Average total loans | $355,413,000 | 1,506 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4864% | 610 |
| Cost of funding earning assets | 0.1874% | 3,581 |
| Net interest margin | 4.2990% | 405 |
| Noninterest income to average assets | 1.2121% | 722 |
| Noninterest expense to average assets | 2.7341% | 1,533 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.0272% | 324 |
| Return on assets (ROA) | 2.0272% | 339 |
| Pretax return on assets | 2.5037% | 254 |
| Return on Equity (ROE) | 13.8132% | 1,243 |
| Retained earnings to average equity (ytd only) | 12.2107% | 516 |
| Net charge-offs to loans | -0.0072% | 3,645 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2001% | 4,098 |
| Assets per employee ($millions) | 8.4381% | 1,109 |
| Cash dividends to net income (ytd only)* | 11.6009% | 3,308 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3180% | 2,280 |
| Loan loss allowance to noncurrent loans | 1,550.8475% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.0647% | 3,522 |
| Noncurrent loans to loans | 0.0850% | 3,510 |
| Net loans and leases to total assets | 75.1764% | 575 |
| Net loans and leases to deposits | 91.2945% | 512 |
| Net loans and leases to core deposits | 109.2176% | 298 |
| Total domestic deposits to total assets | 82.3449% | 3,913 |
| Equity capital to assets | 14.5422% | 568 |
| Core capital (leverage) ratio | 15.2356% | 433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6058% | 690 |
| Memoranda: |
| Average total assets | $425,214,600 | 1,910 |
| Average earning assets | $398,181,400 | 1,914 |
| Average equity | $62,404,200 | 1,467 |
| Average total loans | $319,296,400 | 1,621 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4030% | 806 |
| Cost of funding earning assets | 0.1964% | 3,638 |
| Net interest margin | 4.2065% | 540 |
| Noninterest income to average assets | 1.2969% | 699 |
| Noninterest expense to average assets | 2.7541% | 1,453 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.0086% | 451 |
| Return on assets (ROA) | 2.0086% | 479 |
| Pretax return on assets | 2.4808% | 347 |
| Return on Equity (ROE) | 13.6521% | 1,498 |
| Retained earnings to average equity (ytd only) | 13.6521% | 546 |
| Net charge-offs to loans | -0.0038% | 3,353 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6104% | 3,970 |
| Assets per employee ($millions) | 8.4157% | 1,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3591% | 2,184 |
| Loan loss allowance to noncurrent loans | 1,443.8486% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.0724% | 3,626 |
| Noncurrent loans to loans | 0.0941% | 3,606 |
| Net loans and leases to total assets | 75.9068% | 556 |
| Net loans and leases to deposits | 90.8966% | 553 |
| Net loans and leases to core deposits | 106.8344% | 393 |
| Total domestic deposits to total assets | 83.5090% | 3,580 |
| Equity capital to assets | 14.8007% | 575 |
| Core capital (leverage) ratio | 15.1514% | 472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9039% | 702 |
| Memoranda: |
| Average total assets | $417,603,500 | 1,954 |
| Average earning assets | $390,938,500 | 1,953 |
| Average equity | $61,439,500 | 1,506 |
| Average total loans | $312,339,750 | 1,680 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3040% | 1,002 |
| Cost of funding earning assets | 0.2061% | 3,689 |
| Net interest margin | 4.0980% | 698 |
| Noninterest income to average assets | 1.2070% | 795 |
| Noninterest expense to average assets | 2.6909% | 1,612 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.9035% | 583 |
| Return on assets (ROA) | 1.9035% | 612 |
| Pretax return on assets | 2.3488% | 445 |
| Return on Equity (ROE) | 12.9655% | 1,727 |
| Retained earnings to average equity (ytd only) | 12.9655% | 723 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3945% | 3,878 |
| Assets per employee ($millions) | 8.3416% | 1,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5260% | 1,507 |
| Loan loss allowance to noncurrent loans | 741.5584% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.1477% | 3,260 |
| Noncurrent loans to loans | 0.2058% | 3,221 |
| Net loans and leases to total assets | 70.6780% | 1,132 |
| Net loans and leases to deposits | 84.6915% | 1,013 |
| Net loans and leases to core deposits | 114.5491% | 282 |
| Total domestic deposits to total assets | 83.4535% | 3,593 |
| Equity capital to assets | 14.9773% | 531 |
| Core capital (leverage) ratio | 15.4730% | 421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9845% | 619 |
| Memoranda: |
| Average total assets | $410,933,333 | 1,969 |
| Average earning assets | $384,337,333 | 1,966 |
| Average equity | $60,329,333 | 1,518 |
| Average total loans | $304,201,000 | 1,722 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1287% | 1,326 |
| Cost of funding earning assets | 0.2234% | 3,695 |
| Net interest margin | 3.9053% | 979 |
| Noninterest income to average assets | 1.1092% | 967 |
| Noninterest expense to average assets | 2.7578% | 1,471 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6211% | 1,083 |
| Return on assets (ROA) | 1.6211% | 1,137 |
| Pretax return on assets | 2.0026% | 945 |
| Return on Equity (ROE) | 11.1575% | 2,311 |
| Retained earnings to average equity (ytd only) | 11.1575% | 1,364 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9316% | 3,308 |
| Assets per employee ($millions) | 8.2369% | 1,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4644% | 1,724 |
| Loan loss allowance to noncurrent loans | 709.3168% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.1564% | 3,378 |
| Noncurrent loans to loans | 0.2064% | 3,362 |
| Net loans and leases to total assets | 74.6340% | 761 |
| Net loans and leases to deposits | 89.7155% | 715 |
| Net loans and leases to core deposits | 126.4713% | 177 |
| Total domestic deposits to total assets | 83.1896% | 3,640 |
| Equity capital to assets | 14.5127% | 566 |
| Core capital (leverage) ratio | 14.8160% | 511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5648% | 621 |
| Memoranda: |
| Average total assets | $407,860,500 | 1,964 |
| Average earning assets | $381,328,500 | 1,969 |
| Average equity | $59,260,500 | 1,532 |
| Average total loans | $306,626,000 | 1,711 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7474% | 815 |
| Cost of funding earning assets | 0.5783% | 2,459 |
| Net interest margin | 4.1692% | 689 |
| Noninterest income to average assets | 1.1983% | 776 |
| Noninterest expense to average assets | 2.6443% | 2,404 |
| Loan and lease loss provision to assets | 0.4658% | 585 |
| Net operating income to assets | 1.6593% | 558 |
| Return on assets (ROA) | 1.6766% | 567 |
| Pretax return on assets | 2.0292% | 431 |
| Return on Equity (ROE) | 11.6393% | 1,434 |
| Retained earnings to average equity (ytd only) | 11.6393% | 361 |
| Net charge-offs to loans | -0.0151% | 4,356 |
| Credit loss provision to net charge-offs | -4,166.6667% | 4,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6614% | 4,408 |
| Assets per employee ($millions) | 8.2423% | 954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5161% | 1,530 |
| Loan loss allowance to noncurrent loans | 583.3972% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.1939% | 3,306 |
| Noncurrent loans to loans | 0.2599% | 3,262 |
| Net loans and leases to total assets | 73.4730% | 1,094 |
| Net loans and leases to deposits | 87.8235% | 1,108 |
| Net loans and leases to core deposits | 120.5746% | 303 |
| Total domestic deposits to total assets | 83.6598% | 3,216 |
| Equity capital to assets | 14.5468% | 669 |
| Core capital (leverage) ratio | 14.5650% | 576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9280% | 667 |
| Memoranda: |
| Average total assets | $375,708,800 | 1,938 |
| Average earning assets | $353,285,000 | 1,924 |
| Average equity | $54,118,400 | 1,579 |
| Average total loans | $277,331,000 | 1,787 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9209% | 702 |
| Cost of funding earning assets | 0.6730% | 2,186 |
| Net interest margin | 4.2480% | 661 |
| Noninterest income to average assets | 1.0224% | 991 |
| Noninterest expense to average assets | 2.5710% | 2,623 |
| Loan and lease loss provision to assets | 0.5425% | 510 |
| Net operating income to assets | 1.5903% | 749 |
| Return on assets (ROA) | 1.6137% | 770 |
| Pretax return on assets | 1.9367% | 586 |
| Return on Equity (ROE) | 11.2333% | 1,613 |
| Retained earnings to average equity (ytd only) | 11.2333% | 530 |
| Net charge-offs to loans | -0.0143% | 4,316 |
| Credit loss provision to net charge-offs | -5,172.4138% | 4,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1954% | 4,405 |
| Assets per employee ($millions) | 8.1868% | 934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4190% | 1,658 |
| Loan loss allowance to noncurrent loans | 548.2803% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.1998% | 3,440 |
| Noncurrent loans to loans | 0.2588% | 3,375 |
| Net loans and leases to total assets | 76.0889% | 1,083 |
| Net loans and leases to deposits | 90.8840% | 1,172 |
| Net loans and leases to core deposits | 118.1074% | 454 |
| Total domestic deposits to total assets | 83.7209% | 2,915 |
| Equity capital to assets | 14.2972% | 788 |
| Core capital (leverage) ratio | 14.3575% | 647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1851% | 654 |
| Memoranda: |
| Average total assets | $368,667,250 | 1,947 |
| Average earning assets | $347,107,500 | 1,932 |
| Average equity | $52,960,250 | 1,595 |
| Average total loans | $271,337,000 | 1,811 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0088% | 810 |
| Cost of funding earning assets | 0.8096% | 1,781 |
| Net interest margin | 4.1993% | 922 |
| Noninterest income to average assets | 0.8781% | 1,217 |
| Noninterest expense to average assets | 2.6020% | 2,660 |
| Loan and lease loss provision to assets | 0.3883% | 1,057 |
| Net operating income to assets | 1.5557% | 837 |
| Return on assets (ROA) | 1.5925% | 845 |
| Pretax return on assets | 1.8815% | 696 |
| Return on Equity (ROE) | 11.0666% | 1,608 |
| Retained earnings to average equity (ytd only) | 11.0666% | 592 |
| Net charge-offs to loans | -0.0153% | 4,328 |
| Credit loss provision to net charge-offs | -3,500.0000% | 4,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8886% | 4,191 |
| Assets per employee ($millions) | 8.2693% | 880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1946% | 2,548 |
| Loan loss allowance to noncurrent loans | 422.6119% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.2174% | 3,463 |
| Noncurrent loans to loans | 0.2827% | 3,368 |
| Net loans and leases to total assets | 75.9957% | 1,141 |
| Net loans and leases to deposits | 92.1247% | 1,144 |
| Net loans and leases to core deposits | 122.7469% | 368 |
| Total domestic deposits to total assets | 82.4922% | 3,239 |
| Equity capital to assets | 14.2296% | 802 |
| Core capital (leverage) ratio | 14.1793% | 714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9363% | 778 |
| Memoranda: |
| Average total assets | $360,568,333 | 1,958 |
| Average earning assets | $339,199,667 | 1,947 |
| Average equity | $51,886,000 | 1,614 |
| Average total loans | $260,680,667 | 1,841 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7569% | 1,540 |
| Cost of funding earning assets | 1.0982% | 1,048 |
| Net interest margin | 3.6587% | 2,480 |
| Noninterest income to average assets | 1.2981% | 531 |
| Noninterest expense to average assets | 2.6875% | 2,742 |
| Loan and lease loss provision to assets | 0.3422% | 900 |
| Net operating income to assets | 1.5190% | 748 |
| Return on assets (ROA) | 1.5981% | 691 |
| Pretax return on assets | 1.7966% | 707 |
| Return on Equity (ROE) | 11.0391% | 1,396 |
| Retained earnings to average equity (ytd only) | 11.0391% | 562 |
| Net charge-offs to loans | -0.0163% | 4,257 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7301% | 4,139 |
| Assets per employee ($millions) | 7.5294% | 882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2582% | 2,348 |
| Loan loss allowance to noncurrent loans | 447.2464% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.1950% | 3,708 |
| Noncurrent loans to loans | 0.2813% | 3,482 |
| Net loans and leases to total assets | 68.4393% | 2,480 |
| Net loans and leases to deposits | 82.6558% | 2,364 |
| Net loans and leases to core deposits | 107.1831% | 989 |
| Total domestic deposits to total assets | 82.8004% | 3,171 |
| Equity capital to assets | 14.5518% | 875 |
| Core capital (leverage) ratio | 15.0055% | 685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4513% | 929 |
| Memoranda: |
| Average total assets | $350,657,500 | 1,958 |
| Average earning assets | $329,629,500 | 1,937 |
| Average equity | $50,765,000 | 1,643 |
| Average total loans | $244,733,500 | 1,899 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3415% | 760 |
| Cost of funding earning assets | 1.2400% | 926 |
| Net interest margin | 4.1014% | 1,537 |
| Noninterest income to average assets | 1.1269% | 739 |
| Noninterest expense to average assets | 2.6593% | 2,997 |
| Loan and lease loss provision to assets | 0.1197% | 1,773 |
| Net operating income to assets | 1.7603% | 580 |
| Return on assets (ROA) | 1.7978% | 554 |
| Pretax return on assets | 2.2333% | 362 |
| Return on Equity (ROE) | 12.5722% | 1,308 |
| Retained earnings to average equity (ytd only) | 11.4991% | 279 |
| Net charge-offs to loans | -0.0334% | 4,732 |
| Credit loss provision to net charge-offs | -520.0000% | 4,436 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5505% | 4,467 |
| Assets per employee ($millions) | 7.3922% | 902 |
| Cash dividends to net income (ytd only)* | 8.5353% | 3,789 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1368% | 2,760 |
| Loan loss allowance to noncurrent loans | 388.7955% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.2055% | 3,641 |
| Noncurrent loans to loans | 0.2924% | 3,381 |
| Net loans and leases to total assets | 69.4841% | 2,477 |
| Net loans and leases to deposits | 83.2340% | 2,416 |
| Net loans and leases to core deposits | 104.6855% | 1,187 |
| Total domestic deposits to total assets | 83.4804% | 3,031 |
| Equity capital to assets | 14.4010% | 966 |
| Core capital (leverage) ratio | 15.2739% | 633 |
| Tier 1 risk-based capital ratio | 18.1129% | 1,735 |
| Total risk-based capital ratio | 19.1296% | 1,744 |
| Memoranda: |
| Average total assets | $325,841,200 | 2,006 |
| Average earning assets | $304,989,800 | 1,993 |
| Average equity | $46,595,000 | 1,701 |
| Average total loans | $224,352,600 | 1,997 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4763% | 611 |
| Cost of funding earning assets | 1.2561% | 896 |
| Net interest margin | 4.2202% | 1,325 |
| Noninterest income to average assets | 1.0290% | 877 |
| Noninterest expense to average assets | 2.6966% | 2,874 |
| Loan and lease loss provision to assets | 0.1456% | 1,313 |
| Net operating income to assets | 1.7308% | 703 |
| Return on assets (ROA) | 1.7817% | 668 |
| Pretax return on assets | 2.1944% | 455 |
| Return on Equity (ROE) | 12.4831% | 1,453 |
| Retained earnings to average equity (ytd only) | 11.0255% | 522 |
| Net charge-offs to loans | -0.0365% | 4,762 |
| Credit loss provision to net charge-offs | -583.3333% | 4,349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2162% | 4,369 |
| Assets per employee ($millions) | 8.2227% | 638 |
| Cash dividends to net income (ytd only)* | 11.6768% | 3,324 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1659% | 2,685 |
| Loan loss allowance to noncurrent loans | 653.8462% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.1234% | 4,107 |
| Noncurrent loans to loans | 0.1783% | 3,897 |
| Net loans and leases to total assets | 68.3909% | 2,732 |
| Net loans and leases to deposits | 83.2642% | 2,532 |
| Net loans and leases to core deposits | 101.9870% | 1,503 |
| Total domestic deposits to total assets | 82.1372% | 3,439 |
| Equity capital to assets | 14.3274% | 1,032 |
| Core capital (leverage) ratio | 14.7584% | 800 |
| Tier 1 risk-based capital ratio | 18.1851% | 1,765 |
| Total risk-based capital ratio | 19.2201% | 1,776 |
| Memoranda: |
| Average total assets | $320,442,750 | 2,047 |
| Average earning assets | $299,537,500 | 2,035 |
| Average equity | $45,735,250 | 1,730 |
| Average total loans | $219,393,750 | 2,046 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3175% | 786 |
| Cost of funding earning assets | 1.2522% | 859 |
| Net interest margin | 4.0653% | 1,713 |
| Noninterest income to average assets | 1.0385% | 805 |
| Noninterest expense to average assets | 2.7007% | 2,904 |
| Loan and lease loss provision to assets | 0.0953% | 1,947 |
| Net operating income to assets | 1.6674% | 775 |
| Return on assets (ROA) | 1.7461% | 697 |
| Pretax return on assets | 2.1348% | 511 |
| Return on Equity (ROE) | 12.2505% | 1,490 |
| Retained earnings to average equity (ytd only) | 12.2505% | 379 |
| Net charge-offs to loans | -0.0410% | 4,774 |
| Credit loss provision to net charge-offs | -340.9091% | 4,065 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8592% | 4,260 |
| Assets per employee ($millions) | 7.5141% | 804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1378% | 2,854 |
| Loan loss allowance to noncurrent loans | 572.9977% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.1353% | 4,084 |
| Noncurrent loans to loans | 0.1986% | 3,837 |
| Net loans and leases to total assets | 67.3382% | 2,918 |
| Net loans and leases to deposits | 82.2293% | 2,705 |
| Net loans and leases to core deposits | 103.0639% | 1,462 |
| Total domestic deposits to total assets | 81.8907% | 3,545 |
| Equity capital to assets | 14.5098% | 946 |
| Core capital (leverage) ratio | 14.9867% | 708 |
| Tier 1 risk-based capital ratio | 18.4984% | 1,669 |
| Total risk-based capital ratio | 19.4924% | 1,701 |
| Memoranda: |
| Average total assets | $314,880,000 | 2,084 |
| Average earning assets | $294,050,670 | 2,078 |
| Average equity | $44,879,670 | 1,760 |
| Average total loans | $214,762,670 | 2,083 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3139% | 739 |
| Cost of funding earning assets | 1.2405% | 792 |
| Net interest margin | 4.0734% | 1,627 |
| Noninterest income to average assets | 0.9744% | 870 |
| Noninterest expense to average assets | 2.7506% | 2,742 |
| Loan and lease loss provision to assets | 0.0644% | 2,377 |
| Net operating income to assets | 1.6385% | 829 |
| Return on assets (ROA) | 1.6385% | 855 |
| Pretax return on assets | 1.9590% | 689 |
| Return on Equity (ROE) | 11.6048% | 1,693 |
| Retained earnings to average equity (ytd only) | 11.6048% | 685 |
| Net charge-offs to loans | -0.0509% | 4,836 |
| Credit loss provision to net charge-offs | -185.1852% | 3,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6166% | 4,131 |
| Assets per employee ($millions) | 6.7377% | 1,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1186% | 3,025 |
| Loan loss allowance to noncurrent loans | 522.3195% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.1759% | 3,937 |
| Noncurrent loans to loans | 0.2142% | 3,823 |
| Net loans and leases to total assets | 66.6350% | 2,957 |
| Net loans and leases to deposits | 82.6216% | 2,547 |
| Net loans and leases to core deposits | 105.5134% | 1,207 |
| Total domestic deposits to total assets | 80.6508% | 4,037 |
| Equity capital to assets | 14.1640% | 984 |
| Core capital (leverage) ratio | 14.7338% | 758 |
| Tier 1 risk-based capital ratio | 18.3012% | 1,715 |
| Total risk-based capital ratio | 19.2705% | 1,746 |
| Memoranda: |
| Average total assets | $310,767,500 | 2,120 |
| Average earning assets | $289,881,500 | 2,114 |
| Average equity | $43,878,500 | 1,783 |
| Average total loans | $212,105,500 | 2,120 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0566% | 936 |
| Cost of funding earning assets | 0.9138% | 1,042 |
| Net interest margin | 4.1428% | 1,547 |
| Noninterest income to average assets | 0.8380% | 1,342 |
| Noninterest expense to average assets | 2.6328% | 3,236 |
| Loan and lease loss provision to assets | 0.1017% | 2,161 |
| Net operating income to assets | 1.5903% | 893 |
| Return on assets (ROA) | 1.5903% | 881 |
| Pretax return on assets | 1.9531% | 622 |
| Return on Equity (ROE) | 11.2771% | 1,978 |
| Retained earnings to average equity (ytd only) | 10.0508% | 608 |
| Net charge-offs to loans | -0.0081% | 4,442 |
| Credit loss provision to net charge-offs | -1,837.5000% | 4,824 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1647% | 4,385 |
| Assets per employee ($millions) | 6.3514% | 1,294 |
| Cash dividends to net income (ytd only)* | 10.8743% | 3,813 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0958% | 3,127 |
| Loan loss allowance to noncurrent loans | 359.2535% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.2437% | 3,624 |
| Noncurrent loans to loans | 0.3050% | 3,458 |
| Net loans and leases to total assets | 68.3913% | 2,823 |
| Net loans and leases to deposits | 83.7777% | 2,535 |
| Net loans and leases to core deposits | 107.3055% | 1,174 |
| Total domestic deposits to total assets | 81.6342% | 3,741 |
| Equity capital to assets | 14.0731% | 944 |
| Core capital (leverage) ratio | 15.4190% | 610 |
| Tier 1 risk-based capital ratio | 18.1997% | 1,696 |
| Total risk-based capital ratio | 19.1626% | 1,741 |
| Memoranda: |
| Average total assets | $289,127,200 | 2,215 |
| Average earning assets | $268,659,400 | 2,205 |
| Average equity | $40,773,000 | 1,821 |
| Average total loans | $197,718,800 | 2,187 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9689% | 995 |
| Cost of funding earning assets | 0.8787% | 1,004 |
| Net interest margin | 4.0903% | 1,656 |
| Noninterest income to average assets | 1.0079% | 945 |
| Noninterest expense to average assets | 2.6269% | 3,210 |
| Loan and lease loss provision to assets | 0.1374% | 1,456 |
| Net operating income to assets | 1.6685% | 803 |
| Return on assets (ROA) | 1.6685% | 809 |
| Pretax return on assets | 2.0411% | 563 |
| Return on Equity (ROE) | 11.8253% | 1,864 |
| Retained earnings to average equity (ytd only) | 10.1687% | 875 |
| Net charge-offs to loans | -0.0041% | 4,191 |
| Credit loss provision to net charge-offs | -4,900.0000% | 4,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6649% | 4,544 |
| Assets per employee ($millions) | 6.3003% | 1,289 |
| Cash dividends to net income (ytd only)* | 14.0095% | 3,249 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1399% | 2,961 |
| Loan loss allowance to noncurrent loans | 347.9576% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.2570% | 3,663 |
| Noncurrent loans to loans | 0.3276% | 3,496 |
| Net loans and leases to total assets | 67.3644% | 3,027 |
| Net loans and leases to deposits | 83.8538% | 2,615 |
| Net loans and leases to core deposits | 101.4299% | 1,655 |
| Total domestic deposits to total assets | 80.3355% | 4,033 |
| Equity capital to assets | 13.9842% | 966 |
| Core capital (leverage) ratio | 14.7961% | 756 |
| Tier 1 risk-based capital ratio | 18.3273% | 1,716 |
| Total risk-based capital ratio | 19.3195% | 1,725 |
| Memoranda: |
| Average total assets | $285,192,750 | 2,247 |
| Average earning assets | $264,785,250 | 2,240 |
| Average equity | $40,240,250 | 1,846 |
| Average total loans | $194,445,750 | 2,220 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8455% | 1,139 |
| Cost of funding earning assets | 0.8108% | 1,081 |
| Net interest margin | 4.0347% | 1,743 |
| Noninterest income to average assets | 0.9306% | 1,104 |
| Noninterest expense to average assets | 2.5736% | 3,404 |
| Loan and lease loss provision to assets | 0.2017% | 848 |
| Net operating income to assets | 1.5578% | 1,017 |
| Return on assets (ROA) | 1.5578% | 1,020 |
| Pretax return on assets | 1.8988% | 774 |
| Return on Equity (ROE) | 11.0061% | 2,112 |
| Retained earnings to average equity (ytd only) | 11.0061% | 672 |
| Net charge-offs to loans | 0.0042% | 3,029 |
| Credit loss provision to net charge-offs | 7,100.0000% | 61 |
| Earnings coverage of net charge-offs (x) | 739.2500% | 111 |
| Efficiency ratio | 55.0608% | 4,576 |
| Assets per employee ($millions) | 6.2723% | 1,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1156% | 3,174 |
| Loan loss allowance to noncurrent loans | 159.7758% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 0.5292% | 2,645 |
| Noncurrent loans to loans | 0.6982% | 2,364 |
| Net loans and leases to total assets | 70.0452% | 2,573 |
| Net loans and leases to deposits | 85.2274% | 2,408 |
| Net loans and leases to core deposits | 104.1646% | 1,382 |
| Total domestic deposits to total assets | 82.1863% | 3,657 |
| Equity capital to assets | 14.1187% | 903 |
| Core capital (leverage) ratio | 14.7437% | 730 |
| Tier 1 risk-based capital ratio | 17.6743% | 1,896 |
| Total risk-based capital ratio | 18.6430% | 1,924 |
| Memoranda: |
| Average total assets | $281,553,000 | 2,273 |
| Average earning assets | $261,231,330 | 2,265 |
| Average equity | $39,850,670 | 1,867 |
| Average total loans | $192,003,000 | 2,245 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6032% | 1,559 |
| Cost of funding earning assets | 0.7311% | 1,282 |
| Net interest margin | 3.8721% | 2,146 |
| Noninterest income to average assets | 0.5696% | 2,426 |
| Noninterest expense to average assets | 2.5778% | 3,404 |
| Loan and lease loss provision to assets | 0.1208% | 1,564 |
| Net operating income to assets | 1.2414% | 1,842 |
| Return on assets (ROA) | 1.2414% | 1,850 |
| Pretax return on assets | 1.4673% | 1,775 |
| Return on Equity (ROE) | 8.7596% | 3,022 |
| Retained earnings to average equity (ytd only) | 8.7596% | 1,551 |
| Net charge-offs to loans | -0.0344% | 4,803 |
| Credit loss provision to net charge-offs | -525.0000% | 4,022 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8785% | 3,806 |
| Assets per employee ($millions) | 6.2690% | 1,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0990% | 3,390 |
| Loan loss allowance to noncurrent loans | 153.7335% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 0.5197% | 2,795 |
| Noncurrent loans to loans | 0.7149% | 2,426 |
| Net loans and leases to total assets | 66.9876% | 2,894 |
| Net loans and leases to deposits | 79.1317% | 2,903 |
| Net loans and leases to core deposits | 93.1155% | 2,199 |
| Total domestic deposits to total assets | 84.6533% | 3,045 |
| Equity capital to assets | 14.0763% | 869 |
| Core capital (leverage) ratio | 15.1142% | 636 |
| Tier 1 risk-based capital ratio | 18.0958% | 1,807 |
| Total risk-based capital ratio | 19.0395% | 1,842 |
| Memoranda: |
| Average total assets | $278,067,000 | 2,318 |
| Average earning assets | $258,256,500 | 2,304 |
| Average equity | $39,408,000 | 1,895 |
| Average total loans | $185,815,500 | 2,316 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5748% | 1,503 |
| Cost of funding earning assets | 0.6249% | 1,434 |
| Net interest margin | 3.9499% | 1,918 |
| Noninterest income to average assets | 0.6444% | 2,232 |
| Noninterest expense to average assets | 2.5481% | 3,614 |
| Loan and lease loss provision to assets | 0.1329% | 1,728 |
| Net operating income to assets | 1.2594% | 1,330 |
| Return on assets (ROA) | 1.4157% | 1,002 |
| Pretax return on assets | 1.7962% | 800 |
| Return on Equity (ROE) | 9.3862% | 2,145 |
| Retained earnings to average equity (ytd only) | 4.6363% | 2,366 |
| Net charge-offs to loans | 0.8161% | 243 |
| Credit loss provision to net charge-offs | 24.3618% | 3,581 |
| Earnings coverage of net charge-offs (x) | 3.1729% | 3,645 |
| Efficiency ratio | 59.5424% | 4,328 |
| Assets per employee ($millions) | 5.9571% | 1,544 |
| Cash dividends to net income (ytd only)* | 50.6044% | 2,251 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1077% | 3,310 |
| Loan loss allowance to noncurrent loans | 141.5428% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 0.5521% | 2,713 |
| Noncurrent loans to loans | 0.7826% | 2,264 |
| Net loans and leases to total assets | 65.1594% | 3,205 |
| Net loans and leases to deposits | 77.1846% | 3,207 |
| Net loans and leases to core deposits | 87.6202% | 2,756 |
| Total domestic deposits to total assets | 84.4202% | 3,064 |
| Equity capital to assets | 14.2708% | 840 |
| Core capital (leverage) ratio | 15.3681% | 563 |
| Tier 1 risk-based capital ratio | 18.8575% | 1,542 |
| Total risk-based capital ratio | 19.8198% | 1,577 |
| Memoranda: |
| Average total assets | $251,250,600 | 2,484 |
| Average earning assets | $231,220,800 | 2,488 |
| Average equity | $37,896,200 | 1,935 |
| Average total loans | $168,003,600 | 2,443 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5916% | 1,392 |
| Cost of funding earning assets | 0.6303% | 1,354 |
| Net interest margin | 3.9613% | 1,830 |
| Noninterest income to average assets | 0.5022% | 3,019 |
| Noninterest expense to average assets | 2.5650% | 3,516 |
| Loan and lease loss provision to assets | 0.1412% | 1,498 |
| Net operating income to assets | 1.0684% | 2,237 |
| Return on assets (ROA) | 1.1853% | 1,793 |
| Pretax return on assets | 1.5914% | 1,455 |
| Return on Equity (ROE) | 7.7422% | 3,268 |
| Retained earnings to average equity (ytd only) | 4.1956% | 3,402 |
| Net charge-offs to loans | 1.1848% | 144 |
| Credit loss provision to net charge-offs | 17.7474% | 3,177 |
| Earnings coverage of net charge-offs (x) | 1.9795% | 3,522 |
| Efficiency ratio | 61.9622% | 3,890 |
| Assets per employee ($millions) | 5.4570% | 1,970 |
| Cash dividends to net income (ytd only)* | 45.8086% | 1,976 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0847% | 3,578 |
| Loan loss allowance to noncurrent loans | 125.3936% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 0.6501% | 2,553 |
| Noncurrent loans to loans | 0.8650% | 2,208 |
| Net loans and leases to total assets | 69.5789% | 2,617 |
| Net loans and leases to deposits | 83.1021% | 2,645 |
| Net loans and leases to core deposits | 89.1190% | 2,683 |
| Total domestic deposits to total assets | 83.7270% | 3,222 |
| Equity capital to assets | 16.0077% | 545 |
| Core capital (leverage) ratio | 15.9623% | 496 |
| Tier 1 risk-based capital ratio | 19.7601% | 1,422 |
| Total risk-based capital ratio | 20.7021% | 1,453 |
| Memoranda: |
| Average total assets | $245,556,250 | 2,539 |
| Average earning assets | $225,478,250 | 2,562 |
| Average equity | $37,593,750 | 1,959 |
| Average total loans | $164,865,750 | 2,493 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4985% | 1,511 |
| Cost of funding earning assets | 0.6311% | 1,257 |
| Net interest margin | 3.8675% | 2,036 |
| Noninterest income to average assets | 0.6749% | 2,101 |
| Noninterest expense to average assets | 2.6138% | 3,388 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2657% | 1,388 |
| Return on assets (ROA) | 1.4491% | 978 |
| Pretax return on assets | 1.8476% | 749 |
| Return on Equity (ROE) | 9.5883% | 2,223 |
| Retained earnings to average equity (ytd only) | 4.2407% | 3,186 |
| Net charge-offs to loans | 1.8322% | 94 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 1.3318% | 3,295 |
| Efficiency ratio | 61.8474% | 4,015 |
| Assets per employee ($millions) | 5.5654% | 1,813 |
| Cash dividends to net income (ytd only)* | 55.7724% | 1,648 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9741% | 4,300 |
| Loan loss allowance to noncurrent loans | 101.6513% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 0.6905% | 2,485 |
| Noncurrent loans to loans | 0.9583% | 2,047 |
| Net loans and leases to total assets | 66.9311% | 2,962 |
| Net loans and leases to deposits | 80.1592% | 2,892 |
| Net loans and leases to core deposits | 86.2497% | 2,855 |
| Total domestic deposits to total assets | 83.4976% | 3,404 |
| Equity capital to assets | 16.3184% | 496 |
| Core capital (leverage) ratio | 15.9226% | 489 |
| Tier 1 risk-based capital ratio | 20.8557% | 1,216 |
| Total risk-based capital ratio | 21.6998% | 1,251 |
| Memoranda: |
| Average total assets | $247,458,330 | 2,536 |
| Average earning assets | $227,229,000 | 2,559 |
| Average equity | $37,399,670 | 1,965 |
| Average total loans | $163,521,670 | 2,511 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5196% | 1,330 |
| Cost of funding earning assets | 0.6312% | 1,180 |
| Net interest margin | 3.8884% | 1,822 |
| Noninterest income to average assets | 0.4373% | 3,397 |
| Noninterest expense to average assets | 2.5874% | 3,538 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9783% | 2,401 |
| Return on assets (ROA) | 0.9783% | 2,453 |
| Pretax return on assets | 1.4250% | 1,786 |
| Return on Equity (ROE) | 6.7193% | 3,536 |
| Retained earnings to average equity (ytd only) | 6.7193% | 1,966 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4845% | 3,760 |
| Assets per employee ($millions) | 5.2120% | 2,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8654% | 849 |
| Loan loss allowance to noncurrent loans | 97.5586% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 1.3195% | 1,288 |
| Noncurrent loans to loans | 1.9120% | 947 |
| Net loans and leases to total assets | 63.8646% | 3,299 |
| Net loans and leases to deposits | 75.2356% | 3,276 |
| Net loans and leases to core deposits | 80.9101% | 3,207 |
| Total domestic deposits to total assets | 84.8862% | 3,129 |
| Equity capital to assets | 14.9375% | 668 |
| Core capital (leverage) ratio | 14.5295% | 704 |
| Tier 1 risk-based capital ratio | 20.0761% | 1,376 |
| Total risk-based capital ratio | 21.3310% | 1,345 |
| Memoranda: |
| Average total assets | $254,313,500 | 2,511 |
| Average earning assets | $233,825,500 | 2,520 |
| Average equity | $37,027,500 | 1,983 |
| Average total loans | $166,288,000 | 2,503 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4816% | 1,592 |
| Cost of funding earning assets | 0.6516% | 1,047 |
| Net interest margin | 3.8300% | 2,212 |
| Noninterest income to average assets | 1.2027% | 788 |
| Noninterest expense to average assets | 2.7800% | 3,092 |
| Loan and lease loss provision to assets | 0.0759% | 2,838 |
| Net operating income to assets | 1.3889% | 1,031 |
| Return on assets (ROA) | 1.3889% | 1,067 |
| Pretax return on assets | 1.8800% | 648 |
| Return on Equity (ROE) | 10.4515% | 1,786 |
| Retained earnings to average equity (ytd only) | 8.7390% | 639 |
| Net charge-offs to loans | 0.0275% | 3,483 |
| Credit loss provision to net charge-offs | 416.6667% | 767 |
| Earnings coverage of net charge-offs (x) | 107.4375% | 561 |
| Efficiency ratio | 58.7010% | 4,761 |
| Assets per employee ($millions) | 5.1690% | 2,216 |
| Cash dividends to net income (ytd only)* | 16.3845% | 3,846 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7889% | 966 |
| Loan loss allowance to noncurrent loans | 95.9255% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 1.7179% | 893 |
| Noncurrent loans to loans | 1.8649% | 1,003 |
| Net loans and leases to total assets | 64.5105% | 3,287 |
| Net loans and leases to deposits | 75.3972% | 3,378 |
| Net loans and leases to core deposits | 81.7651% | 3,227 |
| Total domestic deposits to total assets | 85.5609% | 2,802 |
| Equity capital to assets | 14.1942% | 829 |
| Core capital (leverage) ratio | 14.4457% | 706 |
| Tier 1 risk-based capital ratio | 18.9525% | 1,611 |
| Total risk-based capital ratio | 20.2074% | 1,579 |
| Memoranda: |
| Average total assets | $263,667,400 | 2,403 |
| Average earning assets | $243,239,400 | 2,411 |
| Average equity | $35,038,200 | 2,071 |
| Average total loans | $174,505,800 | 2,365 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3830% | 1,914 |
| Cost of funding earning assets | 0.6531% | 1,045 |
| Net interest margin | 3.7298% | 2,595 |
| Noninterest income to average assets | 1.1971% | 803 |
| Noninterest expense to average assets | 2.7333% | 3,243 |
| Loan and lease loss provision to assets | 0.1006% | 2,230 |
| Net operating income to assets | 1.2922% | 1,314 |
| Return on assets (ROA) | 1.2922% | 1,420 |
| Pretax return on assets | 1.8085% | 888 |
| Return on Equity (ROE) | 9.8881% | 2,099 |
| Retained earnings to average equity (ytd only) | 9.8881% | 596 |
| Net charge-offs to loans | 0.0015% | 3,888 |
| Credit loss provision to net charge-offs | 10,000.0000% | 48 |
| Earnings coverage of net charge-offs (x) | 1,894.5843% | 32 |
| Efficiency ratio | 58.8771% | 4,703 |
| Assets per employee ($millions) | 5.0816% | 2,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6737% | 1,275 |
| Loan loss allowance to noncurrent loans | 95.7453% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 1.7687% | 938 |
| Noncurrent loans to loans | 1.7481% | 1,191 |
| Net loans and leases to total assets | 71.2835% | 2,301 |
| Net loans and leases to deposits | 83.4679% | 2,548 |
| Net loans and leases to core deposits | 90.5703% | 2,521 |
| Total domestic deposits to total assets | 85.4022% | 2,642 |
| Equity capital to assets | 14.2392% | 954 |
| Core capital (leverage) ratio | 14.3644% | 759 |
| Tier 1 risk-based capital ratio | 17.2862% | 2,132 |
| Total risk-based capital ratio | 18.5393% | 2,091 |
| Memoranda: |
| Average total assets | $264,971,500 | 2,402 |
| Average earning assets | $244,759,500 | 2,412 |
| Average equity | $34,626,500 | 2,107 |
| Average total loans | $175,691,000 | 2,356 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3756% | 1,897 |
| Cost of funding earning assets | 0.6596% | 1,000 |
| Net interest margin | 3.7160% | 2,632 |
| Noninterest income to average assets | 0.8630% | 1,498 |
| Noninterest expense to average assets | 2.5301% | 3,947 |
| Loan and lease loss provision to assets | 0.1489% | 1,544 |
| Net operating income to assets | 1.1675% | 1,713 |
| Return on assets (ROA) | 1.1675% | 1,812 |
| Pretax return on assets | 1.6240% | 1,298 |
| Return on Equity (ROE) | 9.1941% | 2,408 |
| Retained earnings to average equity (ytd only) | 9.1941% | 799 |
| Net charge-offs to loans | -0.0012% | 4,323 |
| Credit loss provision to net charge-offs | -20,000.0000% | 5,395 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7991% | 4,796 |
| Assets per employee ($millions) | 4.7994% | 2,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6812% | 1,317 |
| Loan loss allowance to noncurrent loans | 50.5736% | 4,792 |
| Noncurrent assets plus other real estate owned to assets | 3.3178% | 343 |
| Noncurrent loans to loans | 3.3243% | 411 |
| Net loans and leases to total assets | 73.7307% | 1,892 |
| Net loans and leases to deposits | 86.2342% | 2,220 |
| Net loans and leases to core deposits | 94.1861% | 2,148 |
| Total domestic deposits to total assets | 85.5006% | 2,643 |
| Equity capital to assets | 14.2824% | 937 |
| Core capital (leverage) ratio | 13.4900% | 985 |
| Tier 1 risk-based capital ratio | 16.9085% | 2,250 |
| Total risk-based capital ratio | 18.1617% | 2,207 |
| Memoranda: |
| Average total assets | $268,602,000 | 2,397 |
| Average earning assets | $248,654,000 | 2,392 |
| Average equity | $34,109,000 | 2,142 |
| Average total loans | $172,854,670 | 2,387 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0097% | 3,190 |
| Cost of funding earning assets | 0.6530% | 1,037 |
| Net interest margin | 3.3567% | 4,020 |
| Noninterest income to average assets | 0.3864% | 3,937 |
| Noninterest expense to average assets | 2.3770% | 4,432 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0167% | 2,204 |
| Return on assets (ROA) | 1.0167% | 2,322 |
| Pretax return on assets | 1.1393% | 2,936 |
| Return on Equity (ROE) | 8.4669% | 2,674 |
| Retained earnings to average equity (ytd only) | 8.4669% | 1,275 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5994% | 3,528 |
| Assets per employee ($millions) | 5.6526% | 1,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6649% | 1,440 |
| Loan loss allowance to noncurrent loans | 67.1086% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 2.2662% | 708 |
| Noncurrent loans to loans | 2.4810% | 764 |
| Net loans and leases to total assets | 60.2889% | 3,731 |
| Net loans and leases to deposits | 68.6336% | 3,990 |
| Net loans and leases to core deposits | 72.9111% | 3,982 |
| Total domestic deposits to total assets | 87.8417% | 1,729 |
| Equity capital to assets | 12.0476% | 1,996 |
| Core capital (leverage) ratio | 12.0131% | 1,592 |
| Tier 1 risk-based capital ratio | 17.9107% | 2,011 |
| Total risk-based capital ratio | 19.1643% | 1,977 |
| Memoranda: |
| Average total assets | $280,518,500 | 2,311 |
| Average earning assets | $261,568,000 | 2,291 |
| Average equity | $33,684,000 | 2,164 |
| Average total loans | $167,504,000 | 2,433 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4834% | 1,645 |
| Cost of funding earning assets | 0.7071% | 788 |
| Net interest margin | 3.7763% | 2,457 |
| Noninterest income to average assets | 1.3467% | 668 |
| Noninterest expense to average assets | 2.9844% | 2,603 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2621% | 1,358 |
| Return on assets (ROA) | 1.2870% | 1,343 |
| Pretax return on assets | 1.9229% | 636 |
| Return on Equity (ROE) | 9.4561% | 2,240 |
| Retained earnings to average equity (ytd only) | 9.3713% | 565 |
| Net charge-offs to loans | 0.0800% | 2,676 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 34.3188% | 1,319 |
| Efficiency ratio | 61.2787% | 4,717 |
| Assets per employee ($millions) | 5.5682% | 1,725 |
| Cash dividends to net income (ytd only)* | 0.8973% | 4,249 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7838% | 1,163 |
| Loan loss allowance to noncurrent loans | 53.3370% | 4,787 |
| Noncurrent assets plus other real estate owned to assets | 2.3272% | 690 |
| Noncurrent loans to loans | 3.3445% | 438 |
| Net loans and leases to total assets | 57.0544% | 4,192 |
| Net loans and leases to deposits | 65.1906% | 4,379 |
| Net loans and leases to core deposits | 69.6019% | 4,327 |
| Total domestic deposits to total assets | 87.5194% | 1,874 |
| Equity capital to assets | 11.9673% | 1,976 |
| Core capital (leverage) ratio | 12.0011% | 1,617 |
| Tier 1 risk-based capital ratio | 18.0668% | 1,948 |
| Total risk-based capital ratio | 19.3207% | 1,904 |
| Memoranda: |
| Average total assets | $251,136,000 | 2,494 |
| Average earning assets | $234,332,200 | 2,469 |
| Average equity | $34,179,000 | 2,082 |
| Average total loans | $172,537,600 | 2,325 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4754% | 1,675 |
| Cost of funding earning assets | 0.7194% | 757 |
| Net interest margin | 3.7560% | 2,538 |
| Noninterest income to average assets | 0.5032% | 3,342 |
| Noninterest expense to average assets | 2.8279% | 3,077 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8119% | 3,375 |
| Return on assets (ROA) | 0.8470% | 3,273 |
| Pretax return on assets | 1.2306% | 2,693 |
| Return on Equity (ROE) | 6.0164% | 4,142 |
| Retained earnings to average equity (ytd only) | 5.9040% | 2,311 |
| Net charge-offs to loans | 0.0829% | 2,360 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 19.8348% | 1,910 |
| Efficiency ratio | 70.5610% | 3,122 |
| Assets per employee ($millions) | 5.1388% | 2,129 |
| Cash dividends to net income (ytd only)* | 1.8688% | 3,782 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5839% | 1,843 |
| Loan loss allowance to noncurrent loans | 43.3180% | 5,132 |
| Noncurrent assets plus other real estate owned to assets | 2.5911% | 648 |
| Noncurrent loans to loans | 3.6564% | 404 |
| Net loans and leases to total assets | 66.4806% | 2,937 |
| Net loans and leases to deposits | 75.6560% | 3,346 |
| Net loans and leases to core deposits | 80.5708% | 3,384 |
| Total domestic deposits to total assets | 87.8723% | 1,629 |
| Equity capital to assets | 11.6071% | 2,415 |
| Core capital (leverage) ratio | 12.7757% | 1,285 |
| Tier 1 risk-based capital ratio | 16.7862% | 2,442 |
| Total risk-based capital ratio | 18.0400% | 2,406 |
| Memoranda: |
| Average total assets | $244,318,000 | 2,564 |
| Average earning assets | $227,968,750 | 2,548 |
| Average equity | $34,394,250 | 2,085 |
| Average total loans | $175,239,750 | 2,302 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5128% | 1,489 |
| Cost of funding earning assets | 0.7323% | 708 |
| Net interest margin | 3.7805% | 2,401 |
| Noninterest income to average assets | 0.4622% | 3,616 |
| Noninterest expense to average assets | 2.9059% | 2,871 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7566% | 3,616 |
| Return on assets (ROA) | 0.8120% | 3,426 |
| Pretax return on assets | 1.1550% | 2,954 |
| Return on Equity (ROE) | 5.4018% | 4,425 |
| Retained earnings to average equity (ytd only) | 5.2603% | 2,700 |
| Net charge-offs to loans | 0.2135% | 1,192 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 6.8696% | 2,730 |
| Efficiency ratio | 72.9799% | 2,847 |
| Assets per employee ($millions) | 4.7411% | 2,621 |
| Cash dividends to net income (ytd only)* | 2.6205% | 3,606 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5688% | 2,018 |
| Loan loss allowance to noncurrent loans | 41.6703% | 5,224 |
| Noncurrent assets plus other real estate owned to assets | 3.0132% | 557 |
| Noncurrent loans to loans | 3.7648% | 443 |
| Net loans and leases to total assets | 75.1421% | 1,485 |
| Net loans and leases to deposits | 89.1193% | 1,704 |
| Net loans and leases to core deposits | 93.3859% | 2,016 |
| Total domestic deposits to total assets | 84.3163% | 3,439 |
| Equity capital to assets | 15.1480% | 675 |
| Core capital (leverage) ratio | 15.0601% | 604 |
| Tier 1 risk-based capital ratio | 19.2355% | 1,735 |
| Total risk-based capital ratio | 20.4891% | 1,703 |
| Memoranda: |
| Average total assets | $234,971,000 | 2,659 |
| Average earning assets | $218,756,000 | 2,632 |
| Average equity | $35,321,330 | 2,033 |
| Average total loans | $172,326,330 | 2,344 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4303% | 1,657 |
| Cost of funding earning assets | 0.7225% | 763 |
| Net interest margin | 3.7078% | 2,595 |
| Noninterest income to average assets | 0.4258% | 3,796 |
| Noninterest expense to average assets | 2.9188% | 2,836 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6579% | 4,017 |
| Return on assets (ROA) | 0.7660% | 3,583 |
| Pretax return on assets | 1.1234% | 2,981 |
| Return on Equity (ROE) | 5.1160% | 4,470 |
| Retained earnings to average equity (ytd only) | 4.9789% | 3,066 |
| Net charge-offs to loans | 0.2857% | 838 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 4.7000% | 2,457 |
| Efficiency ratio | 75.1651% | 2,638 |
| Assets per employee ($millions) | 4.6151% | 2,886 |
| Cash dividends to net income (ytd only)* | 2.6786% | 2,830 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6956% | 1,750 |
| Loan loss allowance to noncurrent loans | 30.8141% | 5,526 |
| Noncurrent assets plus other real estate owned to assets | 4.1466% | 355 |
| Noncurrent loans to loans | 5.5026% | 214 |
| Net loans and leases to total assets | 71.5068% | 1,893 |
| Net loans and leases to deposits | 88.9238% | 1,515 |
| Net loans and leases to core deposits | 94.2875% | 1,742 |
| Total domestic deposits to total assets | 80.4136% | 4,956 |
| Equity capital to assets | 14.9674% | 724 |
| Core capital (leverage) ratio | 14.7126% | 651 |
| Tier 1 risk-based capital ratio | 18.4290% | 2,025 |
| Total risk-based capital ratio | 19.6821% | 1,970 |
| Memoranda: |
| Average total assets | $233,929,000 | 2,687 |
| Average earning assets | $218,134,500 | 2,660 |
| Average equity | $35,027,500 | 2,067 |
| Average total loans | $168,006,000 | 2,394 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0291% | 726 |
| Cost of funding earning assets | 0.7328% | 942 |
| Net interest margin | 4.2962% | 1,065 |
| Noninterest income to average assets | 1.7488% | 419 |
| Noninterest expense to average assets | 3.0918% | 2,545 |
| Loan and lease loss provision to assets | 0.5262% | 277 |
| Net operating income to assets | 1.4824% | 909 |
| Return on assets (ROA) | 1.4824% | 950 |
| Pretax return on assets | 2.1749% | 335 |
| Return on Equity (ROE) | 10.1627% | 2,042 |
| Retained earnings to average equity (ytd only) | 6.5917% | 1,602 |
| Net charge-offs to loans | 0.4168% | 1,024 |
| Credit loss provision to net charge-offs | 168.0282% | 1,455 |
| Earnings coverage of net charge-offs (x) | 8.6254% | 2,850 |
| Efficiency ratio | 53.3729% | 5,894 |
| Assets per employee ($millions) | 4.6497% | 2,797 |
| Cash dividends to net income (ytd only)* | 35.1384% | 3,110 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8343% | 1,462 |
| Loan loss allowance to noncurrent loans | 31.3752% | 5,618 |
| Noncurrent assets plus other real estate owned to assets | 4.2902% | 376 |
| Noncurrent loans to loans | 5.8464% | 205 |
| Net loans and leases to total assets | 69.5866% | 2,291 |
| Net loans and leases to deposits | 88.6295% | 1,658 |
| Net loans and leases to core deposits | 94.0472% | 1,915 |
| Total domestic deposits to total assets | 78.5140% | 5,345 |
| Equity capital to assets | 14.9798% | 706 |
| Core capital (leverage) ratio | 14.7402% | 658 |
| Tier 1 risk-based capital ratio | 19.3053% | 1,771 |
| Total risk-based capital ratio | 20.5614% | 1,736 |
| Memoranda: |
| Average total assets | $226,726,000 | 2,725 |
| Average earning assets | $213,419,600 | 2,674 |
| Average equity | $33,071,800 | 2,108 |
| Average total loans | $170,338,200 | 2,319 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1620% | 567 |
| Cost of funding earning assets | 0.7303% | 992 |
| Net interest margin | 4.4316% | 847 |
| Noninterest income to average assets | 1.1162% | 977 |
| Noninterest expense to average assets | 2.8532% | 3,276 |
| Loan and lease loss provision to assets | 0.4569% | 340 |
| Net operating income to assets | 1.3588% | 1,230 |
| Return on assets (ROA) | 1.3588% | 1,274 |
| Pretax return on assets | 1.9755% | 604 |
| Return on Equity (ROE) | 9.3808% | 2,506 |
| Retained earnings to average equity (ytd only) | 4.6087% | 3,353 |
| Net charge-offs to loans | 0.2422% | 1,590 |
| Credit loss provision to net charge-offs | 247.4359% | 1,065 |
| Earnings coverage of net charge-offs (x) | 13.1731% | 2,252 |
| Efficiency ratio | 53.9805% | 5,826 |
| Assets per employee ($millions) | 4.7660% | 2,572 |
| Cash dividends to net income (ytd only)* | 50.8709% | 1,802 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7282% | 1,890 |
| Loan loss allowance to noncurrent loans | 72.4813% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 1.9574% | 1,481 |
| Noncurrent loans to loans | 2.3843% | 1,246 |
| Net loans and leases to total assets | 74.5697% | 1,431 |
| Net loans and leases to deposits | 94.7407% | 977 |
| Net loans and leases to core deposits | 100.0076% | 1,366 |
| Total domestic deposits to total assets | 78.7092% | 5,389 |
| Equity capital to assets | 14.7349% | 795 |
| Core capital (leverage) ratio | 14.5050% | 722 |
| Tier 1 risk-based capital ratio | 18.6679% | 1,998 |
| Total risk-based capital ratio | 19.9237% | 1,963 |
| Memoranda: |
| Average total assets | $225,286,000 | 2,757 |
| Average earning assets | $211,955,500 | 2,710 |
| Average equity | $32,633,250 | 2,137 |
| Average total loans | $171,722,250 | 2,326 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1067% | 612 |
| Cost of funding earning assets | 0.7192% | 1,092 |
| Net interest margin | 4.3874% | 869 |
| Noninterest income to average assets | 1.3430% | 665 |
| Noninterest expense to average assets | 3.0233% | 2,751 |
| Loan and lease loss provision to assets | 0.4953% | 303 |
| Net operating income to assets | 1.3849% | 1,097 |
| Return on assets (ROA) | 1.3849% | 1,141 |
| Pretax return on assets | 1.9507% | 618 |
| Return on Equity (ROE) | 9.6174% | 2,315 |
| Retained earnings to average equity (ytd only) | 2.4539% | 4,649 |
| Net charge-offs to loans | 0.1110% | 2,552 |
| Credit loss provision to net charge-offs | 584.2105% | 519 |
| Earnings coverage of net charge-offs (x) | 28.8526% | 1,293 |
| Efficiency ratio | 55.2782% | 5,809 |
| Assets per employee ($millions) | 4.6658% | 2,671 |
| Cash dividends to net income (ytd only)* | 74.4845% | 1,045 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7935% | 1,858 |
| Loan loss allowance to noncurrent loans | 88.1057% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 1.7552% | 1,854 |
| Noncurrent loans to loans | 2.0356% | 1,655 |
| Net loans and leases to total assets | 73.3475% | 1,526 |
| Net loans and leases to deposits | 93.2960% | 1,026 |
| Net loans and leases to core deposits | 100.2050% | 1,269 |
| Total domestic deposits to total assets | 78.6181% | 5,529 |
| Equity capital to assets | 14.6830% | 778 |
| Core capital (leverage) ratio | 14.1549% | 790 |
| Tier 1 risk-based capital ratio | 17.9570% | 2,261 |
| Total risk-based capital ratio | 19.2126% | 2,225 |
| Memoranda: |
| Average total assets | $224,124,670 | 2,779 |
| Average earning assets | $210,783,670 | 2,731 |
| Average equity | $32,274,670 | 2,148 |
| Average total loans | $171,098,670 | 2,329 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9111% | 853 |
| Cost of funding earning assets | 0.7154% | 1,155 |
| Net interest margin | 4.1957% | 1,237 |
| Noninterest income to average assets | 0.3907% | 4,270 |
| Noninterest expense to average assets | 2.9330% | 3,107 |
| Loan and lease loss provision to assets | 0.1784% | 1,352 |
| Net operating income to assets | 0.9402% | 2,453 |
| Return on assets (ROA) | 0.9402% | 2,525 |
| Pretax return on assets | 1.2239% | 2,376 |
| Return on Equity (ROE) | 6.5937% | 3,683 |
| Retained earnings to average equity (ytd only) | -7.7072% | 6,275 |
| Net charge-offs to loans | -0.1433% | 6,267 |
| Credit loss provision to net charge-offs | -161.2903% | 4,929 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6543% | 4,238 |
| Assets per employee ($millions) | 4.6079% | 2,801 |
| Cash dividends to net income (ytd only)* | 216.8880% | 219 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5064% | 3,122 |
| Loan loss allowance to noncurrent loans | 98.2539% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 1.4215% | 2,496 |
| Noncurrent loans to loans | 1.5332% | 2,509 |
| Net loans and leases to total assets | 76.6526% | 925 |
| Net loans and leases to deposits | 94.0088% | 791 |
| Net loans and leases to core deposits | 113.9257% | 466 |
| Total domestic deposits to total assets | 81.5377% | 5,076 |
| Equity capital to assets | 13.7716% | 1,004 |
| Core capital (leverage) ratio | 14.2048% | 755 |
| Tier 1 risk-based capital ratio | 16.4635% | 2,914 |
| Total risk-based capital ratio | 17.7157% | 2,885 |
| Memoranda: |
| Average total assets | $224,207,000 | 2,785 |
| Average earning assets | $210,788,500 | 2,743 |
| Average equity | $31,970,000 | 2,158 |
| Average total loans | $173,013,500 | 2,311 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4489% | 395 |
| Cost of funding earning assets | 0.7940% | 1,242 |
| Net interest margin | 4.6549% | 547 |
| Noninterest income to average assets | 1.1809% | 1,019 |
| Noninterest expense to average assets | 3.2863% | 2,176 |
| Loan and lease loss provision to assets | 0.1489% | 2,416 |
| Net operating income to assets | 1.4459% | 926 |
| Return on assets (ROA) | 1.4459% | 967 |
| Pretax return on assets | 2.1287% | 364 |
| Return on Equity (ROE) | 9.6733% | 2,253 |
| Retained earnings to average equity (ytd only) | 8.5280% | 899 |
| Net charge-offs to loans | 0.5488% | 1,206 |
| Credit loss provision to net charge-offs | 35.4839% | 4,141 |
| Earnings coverage of net charge-offs (x) | 5.4263% | 3,302 |
| Efficiency ratio | 59.0648% | 5,597 |
| Assets per employee ($millions) | 4.5421% | 2,834 |
| Cash dividends to net income (ytd only)* | 11.8395% | 3,979 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5235% | 3,077 |
| Loan loss allowance to noncurrent loans | 1,080.8511% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.3491% | 5,220 |
| Noncurrent loans to loans | 0.1410% | 5,777 |
| Net loans and leases to total assets | 75.3064% | 1,183 |
| Net loans and leases to deposits | 93.8832% | 885 |
| Net loans and leases to core deposits | 106.8316% | 753 |
| Total domestic deposits to total assets | 80.2128% | 5,394 |
| Equity capital to assets | 14.7743% | 715 |
| Core capital (leverage) ratio | 13.9265% | 846 |
| Tier 1 risk-based capital ratio | 17.4348% | 2,438 |
| Total risk-based capital ratio | 18.6866% | 2,413 |
| Memoranda: |
| Average total assets | $206,797,400 | 2,951 |
| Average earning assets | $194,718,400 | 2,895 |
| Average equity | $30,909,800 | 2,202 |
| Average total loans | $158,177,200 | 2,450 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2199% | 618 |
| Cost of funding earning assets | 0.8139% | 1,249 |
| Net interest margin | 4.4060% | 881 |
| Noninterest income to average assets | 0.9713% | 1,531 |
| Noninterest expense to average assets | 3.2582% | 2,184 |
| Loan and lease loss provision to assets | 0.2013% | 1,802 |
| Net operating income to assets | 1.2307% | 1,533 |
| Return on assets (ROA) | 1.2307% | 1,606 |
| Pretax return on assets | 1.6654% | 1,172 |
| Return on Equity (ROE) | 8.2087% | 3,020 |
| Retained earnings to average equity (ytd only) | 8.0474% | 1,393 |
| Net charge-offs to loans | 0.5195% | 1,238 |
| Credit loss provision to net charge-offs | 50.6579% | 3,483 |
| Earnings coverage of net charge-offs (x) | 4.6973% | 3,375 |
| Efficiency ratio | 63.5761% | 4,874 |
| Assets per employee ($millions) | 4.4052% | 3,040 |
| Cash dividends to net income (ytd only)* | 1.9649% | 3,705 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6382% | 2,851 |
| Loan loss allowance to noncurrent loans | 138.6825% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 1.2022% | 3,243 |
| Noncurrent loans to loans | 1.1812% | 3,453 |
| Net loans and leases to total assets | 76.3288% | 965 |
| Net loans and leases to deposits | 96.2132% | 673 |
| Net loans and leases to core deposits | 116.7110% | 379 |
| Total domestic deposits to total assets | 79.3330% | 5,668 |
| Equity capital to assets | 14.2723% | 885 |
| Core capital (leverage) ratio | 13.8264% | 914 |
| Tier 1 risk-based capital ratio | 17.2805% | 2,592 |
| Total risk-based capital ratio | 18.5361% | 2,560 |
| Memoranda: |
| Average total assets | $203,991,750 | 3,009 |
| Average earning assets | $192,308,750 | 2,946 |
| Average equity | $30,584,500 | 2,241 |
| Average total loans | $156,040,750 | 2,484 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1479% | 699 |
| Cost of funding earning assets | 0.8178% | 1,324 |
| Net interest margin | 4.3301% | 978 |
| Noninterest income to average assets | 0.3344% | 5,016 |
| Noninterest expense to average assets | 3.0720% | 2,753 |
| Loan and lease loss provision to assets | 0.0040% | 4,737 |
| Net operating income to assets | 1.0465% | 2,129 |
| Return on assets (ROA) | 1.0465% | 2,250 |
| Pretax return on assets | 1.3486% | 2,129 |
| Return on Equity (ROE) | 6.8579% | 3,695 |
| Retained earnings to average equity (ytd only) | 6.6929% | 2,042 |
| Net charge-offs to loans | 0.3932% | 1,644 |
| Credit loss provision to net charge-offs | 1.3468% | 3,989 |
| Earnings coverage of net charge-offs (x) | 4.5219% | 3,105 |
| Efficiency ratio | 69.4286% | 3,936 |
| Assets per employee ($millions) | 4.4581% | 2,882 |
| Cash dividends to net income (ytd only)* | 2.4062% | 3,480 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6660% | 2,915 |
| Loan loss allowance to noncurrent loans | 192.1287% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.9767% | 3,817 |
| Noncurrent loans to loans | 0.8671% | 4,190 |
| Net loans and leases to total assets | 77.4276% | 812 |
| Net loans and leases to deposits | 105.6759% | 230 |
| Net loans and leases to core deposits | 123.4484% | 263 |
| Total domestic deposits to total assets | 73.2689% | 6,490 |
| Equity capital to assets | 14.3233% | 869 |
| Core capital (leverage) ratio | 15.0620% | 602 |
| Tier 1 risk-based capital ratio | 17.4594% | 2,528 |
| Total risk-based capital ratio | 18.7139% | 2,498 |
| Memoranda: |
| Average total assets | $198,569,330 | 3,085 |
| Average earning assets | $187,572,000 | 3,026 |
| Average equity | $30,300,670 | 2,257 |
| Average total loans | $151,080,670 | 2,558 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1362% | 696 |
| Cost of funding earning assets | 0.8512% | 1,249 |
| Net interest margin | 4.2850% | 994 |
| Noninterest income to average assets | 0.2326% | 5,790 |
| Noninterest expense to average assets | 3.3574% | 1,935 |
| Loan and lease loss provision to assets | 0.0084% | 4,346 |
| Net operating income to assets | 0.7188% | 3,600 |
| Return on assets (ROA) | 0.7188% | 3,736 |
| Pretax return on assets | 0.9075% | 3,731 |
| Return on Equity (ROE) | 4.5542% | 4,810 |
| Retained earnings to average equity (ytd only) | 4.3949% | 3,599 |
| Net charge-offs to loans | 0.5731% | 1,064 |
| Credit loss provision to net charge-offs | 1.9608% | 3,224 |
| Earnings coverage of net charge-offs (x) | 2.1422% | 3,119 |
| Efficiency ratio | 78.5679% | 2,521 |
| Assets per employee ($millions) | 3.8765% | 4,199 |
| Cash dividends to net income (ytd only)* | 3.4985% | 2,612 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9789% | 2,105 |
| Loan loss allowance to noncurrent loans | 647.3214% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.7182% | 4,578 |
| Noncurrent loans to loans | 0.3057% | 5,637 |
| Net loans and leases to total assets | 74.1102% | 1,061 |
| Net loans and leases to deposits | 99.0532% | 390 |
| Net loans and leases to core deposits | 102.1527% | 816 |
| Total domestic deposits to total assets | 74.8185% | 6,474 |
| Equity capital to assets | 15.6347% | 622 |
| Core capital (leverage) ratio | 15.3530% | 533 |
| Tier 1 risk-based capital ratio | 19.4048% | 1,938 |
| Total risk-based capital ratio | 20.6632% | 1,909 |
| Memoranda: |
| Average total assets | $190,860,500 | 3,210 |
| Average earning assets | $179,977,500 | 3,145 |
| Average equity | $30,126,000 | 2,282 |
| Average total loans | $142,375,000 | 2,690 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3743% | 798 |
| Cost of funding earning assets | 1.0090% | 1,310 |
| Net interest margin | 4.3653% | 1,241 |
| Noninterest income to average assets | 0.9776% | 1,603 |
| Noninterest expense to average assets | 3.6042% | 1,598 |
| Loan and lease loss provision to assets | 0.6229% | 868 |
| Net operating income to assets | 0.6258% | 4,109 |
| Return on assets (ROA) | 1.1349% | 1,995 |
| Pretax return on assets | 1.5753% | 1,450 |
| Return on Equity (ROE) | 6.7417% | 3,790 |
| Retained earnings to average equity (ytd only) | 3.0616% | 4,080 |
| Net charge-offs to loans | 0.1496% | 4,193 |
| Credit loss provision to net charge-offs | 576.1905% | 427 |
| Earnings coverage of net charge-offs (x) | 13.7937% | 1,789 |
| Efficiency ratio | 70.7342% | 3,668 |
| Assets per employee ($millions) | 3.6842% | 4,595 |
| Cash dividends to net income (ytd only)* | 54.5867% | 2,081 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2430% | 1,472 |
| Loan loss allowance to noncurrent loans | 301.2634% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 2.0708% | 2,365 |
| Noncurrent loans to loans | 0.7445% | 4,690 |
| Net loans and leases to total assets | 71.9047% | 1,505 |
| Net loans and leases to deposits | 96.9878% | 565 |
| Net loans and leases to core deposits | 106.4187% | 675 |
| Total domestic deposits to total assets | 74.1378% | 6,514 |
| Equity capital to assets | 15.9386% | 563 |
| Core capital (leverage) ratio | 16.1618% | 435 |
| Tier 1 risk-based capital ratio | 19.5496% | 1,802 |
| Total risk-based capital ratio | 20.8102% | 1,766 |
| Memoranda: |
| Average total assets | $174,821,600 | 3,378 |
| Average earning assets | $164,913,200 | 3,306 |
| Average equity | $29,428,800 | 2,284 |
| Average total loans | $126,297,000 | 2,947 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3437% | 935 |
| Cost of funding earning assets | 1.0569% | 1,254 |
| Net interest margin | 4.2868% | 1,510 |
| Noninterest income to average assets | 1.3197% | 845 |
| Noninterest expense to average assets | 3.6691% | 1,414 |
| Loan and lease loss provision to assets | 0.8604% | 532 |
| Net operating income to assets | 0.6011% | 4,388 |
| Return on assets (ROA) | 1.2831% | 1,630 |
| Pretax return on assets | 1.8046% | 1,037 |
| Return on Equity (ROE) | 7.5132% | 3,521 |
| Retained earnings to average equity (ytd only) | 3.0899% | 4,695 |
| Net charge-offs to loans | 0.1157% | 4,222 |
| Credit loss provision to net charge-offs | 1,034.5794% | 270 |
| Earnings coverage of net charge-offs (x) | 20.4958% | 1,447 |
| Efficiency ratio | 68.2817% | 4,002 |
| Assets per employee ($millions) | 3.2707% | 5,502 |
| Cash dividends to net income (ytd only)* | 58.8735% | 1,311 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4713% | 1,243 |
| Loan loss allowance to noncurrent loans | 156.6324% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 2.5746% | 2,049 |
| Noncurrent loans to loans | 1.5778% | 3,425 |
| Net loans and leases to total assets | 72.8513% | 1,415 |
| Net loans and leases to deposits | 98.2572% | 529 |
| Net loans and leases to core deposits | 100.0792% | 1,113 |
| Total domestic deposits to total assets | 74.1435% | 6,591 |
| Equity capital to assets | 17.1158% | 441 |
| Core capital (leverage) ratio | 16.1966% | 454 |
| Tier 1 risk-based capital ratio | 20.2192% | 1,702 |
| Total risk-based capital ratio | 21.4811% | 1,668 |
| Memoranda: |
| Average total assets | $171,553,000 | 3,459 |
| Average earning assets | $162,231,750 | 3,385 |
| Average equity | $29,299,000 | 2,314 |
| Average total loans | $123,319,750 | 3,046 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1211% | 1,452 |
| Cost of funding earning assets | 1.1227% | 1,114 |
| Net interest margin | 3.9984% | 2,512 |
| Noninterest income to average assets | 0.4773% | 4,076 |
| Noninterest expense to average assets | 3.5319% | 1,719 |
| Loan and lease loss provision to assets | 0.2422% | 2,640 |
| Net operating income to assets | 0.4179% | 5,157 |
| Return on assets (ROA) | 1.3618% | 1,440 |
| Pretax return on assets | 1.6320% | 1,451 |
| Return on Equity (ROE) | 7.9793% | 3,272 |
| Retained earnings to average equity (ytd only) | 1.3162% | 5,533 |
| Net charge-offs to loans | 0.0115% | 5,290 |
| Credit loss provision to net charge-offs | 2,957.1429% | 104 |
| Earnings coverage of net charge-offs (x) | 90.0000% | 466 |
| Efficiency ratio | 82.7350% | 1,782 |
| Assets per employee ($millions) | 3.8044% | 4,299 |
| Cash dividends to net income (ytd only)* | 83.5052% | 722 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7448% | 3,048 |
| Loan loss allowance to noncurrent loans | 137.0645% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 2.2847% | 2,449 |
| Noncurrent loans to loans | 1.2730% | 4,006 |
| Net loans and leases to total assets | 74.0111% | 1,238 |
| Net loans and leases to deposits | 95.0115% | 695 |
| Net loans and leases to core deposits | 103.9935% | 856 |
| Total domestic deposits to total assets | 77.8970% | 6,177 |
| Equity capital to assets | 15.8853% | 603 |
| Core capital (leverage) ratio | 16.3756% | 427 |
| Tier 1 risk-based capital ratio | 18.9700% | 1,976 |
| Total risk-based capital ratio | 20.2244% | 1,956 |
| Memoranda: |
| Average total assets | $170,954,330 | 3,485 |
| Average earning assets | $162,113,330 | 3,384 |
| Average equity | $29,175,330 | 2,311 |
| Average total loans | $121,264,000 | 3,108 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0474% | 1,730 |
| Cost of funding earning assets | 1.3146% | 595 |
| Net interest margin | 3.7328% | 3,681 |
| Noninterest income to average assets | 0.4554% | 4,259 |
| Noninterest expense to average assets | 3.4616% | 1,840 |
| Loan and lease loss provision to assets | 0.0242% | 5,043 |
| Net operating income to assets | 0.4826% | 4,900 |
| Return on assets (ROA) | 0.7679% | 3,767 |
| Pretax return on assets | 0.8357% | 4,279 |
| Return on Equity (ROE) | 4.3337% | 5,125 |
| Retained earnings to average equity (ytd only) | 4.3337% | 3,992 |
| Net charge-offs to loans | 0.0354% | 4,198 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 22.7000% | 1,117 |
| Efficiency ratio | 86.2923% | 1,452 |
| Assets per employee ($millions) | 3.7578% | 4,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9352% | 2,573 |
| Loan loss allowance to noncurrent loans | 121.6142% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 2.5583% | 2,310 |
| Noncurrent loans to loans | 1.5913% | 3,733 |
| Net loans and leases to total assets | 67.4245% | 2,212 |
| Net loans and leases to deposits | 87.9812% | 1,167 |
| Net loans and leases to core deposits | 96.3460% | 1,269 |
| Total domestic deposits to total assets | 76.6351% | 6,466 |
| Equity capital to assets | 17.8031% | 350 |
| Core capital (leverage) ratio | 17.1792% | 343 |
| Tier 1 risk-based capital ratio | 21.4087% | 1,397 |
| Total risk-based capital ratio | 22.6634% | 1,371 |
| Memoranda: |
| Average total assets | $165,127,000 | 3,600 |
| Average earning assets | $157,308,500 | 3,483 |
| Average equity | $29,259,000 | 2,310 |
| Average total loans | $113,120,500 | 3,297 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2735% | 1,795 |
| Cost of funding earning assets | 1.5538% | 572 |
| Net interest margin | 3.7197% | 4,211 |
| Noninterest income to average assets | 1.9913% | 381 |
| Noninterest expense to average assets | 3.3587% | 2,342 |
| Loan and lease loss provision to assets | 1.2398% | 690 |
| Net operating income to assets | 0.7608% | 3,217 |
| Return on assets (ROA) | 0.7608% | 3,375 |
| Pretax return on assets | 0.9626% | 3,382 |
| Return on Equity (ROE) | 4.5533% | 4,596 |
| Retained earnings to average equity (ytd only) | 2.2885% | 4,585 |
| Net charge-offs to loans | 1.3296% | 1,240 |
| Credit loss provision to net charge-offs | 127.1370% | 2,444 |
| Earnings coverage of net charge-offs (x) | 2.2585% | 4,093 |
| Efficiency ratio | 60.3973% | 5,685 |
| Assets per employee ($millions) | 3.9265% | 4,019 |
| Cash dividends to net income (ytd only)* | 49.7391% | 2,061 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9545% | 2,409 |
| Loan loss allowance to noncurrent loans | 27.2919% | 6,333 |
| Noncurrent assets plus other real estate owned to assets | 4.8881% | 1,104 |
| Noncurrent loans to loans | 7.1615% | 612 |
| Net loans and leases to total assets | 66.9205% | 2,605 |
| Net loans and leases to deposits | 87.2011% | 1,489 |
| Net loans and leases to core deposits | 94.7613% | 1,617 |
| Total domestic deposits to total assets | 76.7427% | 6,373 |
| Equity capital to assets | 17.6349% | 369 |
| Core capital (leverage) ratio | 17.6144% | 323 |
| Tier 1 risk-based capital ratio | 23.3361% | 1,058 |
| Total risk-based capital ratio | 24.5939% | 1,037 |
| Memoranda: |
| Average total assets | $151,158,800 | 3,777 |
| Average earning assets | $145,065,200 | 3,655 |
| Average equity | $25,256,600 | 2,548 |
| Average total loans | $110,857,600 | 3,361 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3502% | 1,672 |
| Cost of funding earning assets | 1.6023% | 577 |
| Net interest margin | 3.7478% | 4,117 |
| Noninterest income to average assets | 2.0398% | 370 |
| Noninterest expense to average assets | 3.4163% | 2,150 |
| Loan and lease loss provision to assets | 1.4216% | 503 |
| Net operating income to assets | 0.6544% | 3,852 |
| Return on assets (ROA) | 0.6544% | 4,015 |
| Pretax return on assets | 0.7952% | 4,148 |
| Return on Equity (ROE) | 3.9779% | 4,999 |
| Retained earnings to average equity (ytd only) | 0.8395% | 5,671 |
| Net charge-offs to loans | 1.5394% | 934 |
| Credit loss provision to net charge-offs | 123.5294% | 2,608 |
| Earnings coverage of net charge-offs (x) | 1.9263% | 4,208 |
| Efficiency ratio | 60.6473% | 5,618 |
| Assets per employee ($millions) | 4.5699% | 2,810 |
| Cash dividends to net income (ytd only)* | 78.8970% | 639 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8813% | 2,670 |
| Loan loss allowance to noncurrent loans | 23.8176% | 6,544 |
| Noncurrent assets plus other real estate owned to assets | 5.5125% | 1,013 |
| Noncurrent loans to loans | 7.8988% | 560 |
| Net loans and leases to total assets | 68.4767% | 2,381 |
| Net loans and leases to deposits | 89.6475% | 1,255 |
| Net loans and leases to core deposits | 98.6072% | 1,380 |
| Total domestic deposits to total assets | 76.3844% | 6,476 |
| Equity capital to assets | 17.9080% | 399 |
| Core capital (leverage) ratio | 18.3591% | 297 |
| Tier 1 risk-based capital ratio | 23.8682% | 1,023 |
| Total risk-based capital ratio | 25.1252% | 1,010 |
| Memoranda: |
| Average total assets | $147,720,500 | 3,862 |
| Average earning assets | $141,624,750 | 3,736 |
| Average equity | $24,300,250 | 2,645 |
| Average total loans | $110,432,000 | 3,402 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4949% | 1,304 |
| Cost of funding earning assets | 1.6442% | 579 |
| Net interest margin | 3.8506% | 3,533 |
| Noninterest income to average assets | 2.0467% | 350 |
| Noninterest expense to average assets | 3.6924% | 1,538 |
| Loan and lease loss provision to assets | 1.1668% | 682 |
| Net operating income to assets | 0.7296% | 3,390 |
| Return on assets (ROA) | 0.7296% | 3,508 |
| Pretax return on assets | 0.8688% | 3,761 |
| Return on Equity (ROE) | 4.5859% | 4,652 |
| Retained earnings to average equity (ytd only) | -0.4201% | 5,933 |
| Net charge-offs to loans | -0.0218% | 6,843 |
| Credit loss provision to net charge-offs | -6,983.3333% | 6,796 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4628% | 5,152 |
| Assets per employee ($millions) | 3.7965% | 4,202 |
| Cash dividends to net income (ytd only)* | 109.1603% | 368 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4705% | 1,492 |
| Loan loss allowance to noncurrent loans | 48.2257% | 5,121 |
| Noncurrent assets plus other real estate owned to assets | 3.9119% | 1,652 |
| Noncurrent loans to loans | 5.1229% | 1,263 |
| Net loans and leases to total assets | 74.4748% | 1,330 |
| Net loans and leases to deposits | 96.5020% | 688 |
| Net loans and leases to core deposits | 116.5668% | 503 |
| Total domestic deposits to total assets | 77.1743% | 6,427 |
| Equity capital to assets | 16.4136% | 554 |
| Core capital (leverage) ratio | 15.4211% | 598 |
| Tier 1 risk-based capital ratio | 20.7277% | 1,472 |
| Total risk-based capital ratio | 21.9924% | 1,443 |
| Memoranda: |
| Average total assets | $143,645,670 | 3,966 |
| Average earning assets | $137,328,000 | 3,831 |
| Average equity | $22,852,670 | 2,775 |
| Average total loans | $110,034,330 | 3,455 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3992% | 1,557 |
| Cost of funding earning assets | 1.5872% | 858 |
| Net interest margin | 3.8121% | 3,556 |
| Noninterest income to average assets | 0.7326% | 2,375 |
| Noninterest expense to average assets | 3.2609% | 2,674 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8896% | 2,616 |
| Return on assets (ROA) | 0.8896% | 2,678 |
| Pretax return on assets | 1.1099% | 2,725 |
| Return on Equity (ROE) | 5.6789% | 4,075 |
| Retained earnings to average equity (ytd only) | -4.4482% | 6,469 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6062% | 3,406 |
| Assets per employee ($millions) | 4.1465% | 3,550 |
| Cash dividends to net income (ytd only)* | 178.3282% | 245 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6055% | 3,701 |
| Loan loss allowance to noncurrent loans | 77.1539% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 1.6427% | 3,787 |
| Noncurrent loans to loans | 2.0808% | 3,468 |
| Net loans and leases to total assets | 76.0143% | 1,028 |
| Net loans and leases to deposits | 97.2547% | 610 |
| Net loans and leases to core deposits | 123.7526% | 349 |
| Total domestic deposits to total assets | 78.1600% | 6,360 |
| Equity capital to assets | 15.6090% | 644 |
| Core capital (leverage) ratio | 15.4143% | 589 |
| Tier 1 risk-based capital ratio | 20.3125% | 1,520 |
| Total risk-based capital ratio | 21.5685% | 1,492 |
| Memoranda: |
| Average total assets | $145,234,000 | 3,973 |
| Average earning assets | $138,612,000 | 3,847 |
| Average equity | $22,751,000 | 2,774 |
| Average total loans | $111,419,500 | 3,456 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6870% | 1,617 |
| Cost of funding earning assets | 1.8370% | 1,037 |
| Net interest margin | 3.8500% | 3,730 |
| Noninterest income to average assets | 1.1513% | 1,116 |
| Noninterest expense to average assets | 2.9215% | 4,138 |
| Loan and lease loss provision to assets | 0.6895% | 2,385 |
| Net operating income to assets | 0.8734% | 2,490 |
| Return on assets (ROA) | 0.8734% | 2,631 |
| Pretax return on assets | 1.2044% | 2,215 |
| Return on Equity (ROE) | 5.3915% | 3,905 |
| Retained earnings to average equity (ytd only) | 5.3915% | 2,185 |
| Net charge-offs to loans | 0.7797% | 2,688 |
| Credit loss provision to net charge-offs | 119.4853% | 3,542 |
| Earnings coverage of net charge-offs (x) | 3.2819% | 3,435 |
| Efficiency ratio | 60.6697% | 5,940 |
| Assets per employee ($millions) | 5.0117% | 2,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6257% | 3,484 |
| Loan loss allowance to noncurrent loans | 42.3729% | 5,487 |
| Noncurrent assets plus other real estate owned to assets | 4.6498% | 1,425 |
| Noncurrent loans to loans | 3.8367% | 1,920 |
| Net loans and leases to total assets | 74.9422% | 1,485 |
| Net loans and leases to deposits | 97.1347% | 775 |
| Net loans and leases to core deposits | 122.3735% | 464 |
| Total domestic deposits to total assets | 77.1529% | 6,459 |
| Equity capital to assets | 15.7211% | 640 |
| Core capital (leverage) ratio | 15.3498% | 608 |
| Tier 1 risk-based capital ratio | 20.4381% | 1,413 |
| Total risk-based capital ratio | 21.6933% | 1,390 |
| Memoranda: |
| Average total assets | $141,401,800 | 4,033 |
| Average earning assets | $134,570,800 | 3,917 |
| Average equity | $22,906,400 | 2,776 |
| Average total loans | $104,661,200 | 3,662 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6519% | 1,875 |
| Cost of funding earning assets | 1.8394% | 1,267 |
| Net interest margin | 3.8125% | 3,921 |
| Noninterest income to average assets | 0.6039% | 3,415 |
| Noninterest expense to average assets | 2.7024% | 4,871 |
| Loan and lease loss provision to assets | 0.7900% | 1,928 |
| Net operating income to assets | 0.6504% | 3,644 |
| Return on assets (ROA) | 0.6504% | 3,810 |
| Pretax return on assets | 0.7425% | 4,107 |
| Return on Equity (ROE) | 3.9846% | 4,788 |
| Retained earnings to average equity (ytd only) | 3.9846% | 3,673 |
| Net charge-offs to loans | 0.9333% | 2,125 |
| Credit loss provision to net charge-offs | 115.2355% | 3,622 |
| Earnings coverage of net charge-offs (x) | 2.2355% | 4,055 |
| Efficiency ratio | 63.8117% | 5,278 |
| Assets per employee ($millions) | 5.0524% | 2,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6256% | 3,422 |
| Loan loss allowance to noncurrent loans | 147.4305% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 2.4939% | 2,878 |
| Noncurrent loans to loans | 1.1026% | 5,038 |
| Net loans and leases to total assets | 72.2802% | 2,194 |
| Net loans and leases to deposits | 99.1230% | 713 |
| Net loans and leases to core deposits | 120.7032% | 587 |
| Total domestic deposits to total assets | 72.9197% | 7,038 |
| Equity capital to assets | 16.0381% | 667 |
| Core capital (leverage) ratio | 16.2727% | 518 |
| Tier 1 risk-based capital ratio | 20.8715% | 1,379 |
| Total risk-based capital ratio | 22.1253% | 1,358 |
| Memoranda: |
| Average total assets | $140,417,250 | 4,101 |
| Average earning assets | $133,733,250 | 3,994 |
| Average equity | $22,920,750 | 2,816 |
| Average total loans | $103,146,250 | 3,759 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5731% | 2,239 |
| Cost of funding earning assets | 1.8364% | 1,506 |
| Net interest margin | 3.7366% | 4,202 |
| Noninterest income to average assets | 0.6489% | 3,022 |
| Noninterest expense to average assets | 2.9064% | 4,049 |
| Loan and lease loss provision to assets | 0.5709% | 2,493 |
| Net operating income to assets | 0.6142% | 3,817 |
| Return on assets (ROA) | 0.6142% | 3,954 |
| Pretax return on assets | 0.7299% | 4,140 |
| Return on Equity (ROE) | 3.7399% | 4,904 |
| Retained earnings to average equity (ytd only) | 3.7399% | 3,721 |
| Net charge-offs to loans | 0.7576% | 2,349 |
| Credit loss provision to net charge-offs | 102.5974% | 3,973 |
| Earnings coverage of net charge-offs (x) | 2.3377% | 3,829 |
| Efficiency ratio | 69.0828% | 4,362 |
| Assets per employee ($millions) | 5.2914% | 1,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5865% | 3,510 |
| Loan loss allowance to noncurrent loans | 2,796.6102% | 141 |
| Noncurrent assets plus other real estate owned to assets | 1.7681% | 3,803 |
| Noncurrent loans to loans | 0.0567% | 7,177 |
| Net loans and leases to total assets | 71.6410% | 2,504 |
| Net loans and leases to deposits | 101.5639% | 617 |
| Net loans and leases to core deposits | 124.9429% | 548 |
| Total domestic deposits to total assets | 70.5378% | 7,292 |
| Equity capital to assets | 16.1170% | 651 |
| Core capital (leverage) ratio | 15.9683% | 571 |
| Tier 1 risk-based capital ratio | 20.5198% | 1,429 |
| Total risk-based capital ratio | 21.7731% | 1,397 |
| Memoranda: |
| Average total assets | $138,383,000 | 4,166 |
| Average earning assets | $131,776,000 | 4,060 |
| Average equity | $22,728,000 | 2,832 |
| Average total loans | $101,643,330 | 3,843 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6204% | 2,066 |
| Cost of funding earning assets | 1.9085% | 1,415 |
| Net interest margin | 3.7120% | 4,178 |
| Noninterest income to average assets | 0.3056% | 5,694 |
| Noninterest expense to average assets | 2.9646% | 3,806 |
| Loan and lease loss provision to assets | 0.6023% | 2,111 |
| Net operating income to assets | 0.2703% | 5,419 |
| Return on assets (ROA) | 0.2703% | 5,540 |
| Pretax return on assets | 0.2703% | 5,688 |
| Return on Equity (ROE) | 1.6298% | 5,913 |
| Retained earnings to average equity (ytd only) | 1.6298% | 5,126 |
| Net charge-offs to loans | 0.9755% | 1,675 |
| Credit loss provision to net charge-offs | 83.6735% | 3,793 |
| Earnings coverage of net charge-offs (x) | 1.2122% | 4,039 |
| Efficiency ratio | 77.2588% | 3,026 |
| Assets per employee ($millions) | 5.7297% | 1,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5792% | 3,532 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7900% | 3,802 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 69.6132% | 3,029 |
| Net loans and leases to deposits | 105.6381% | 440 |
| Net loans and leases to core deposits | 126.1653% | 578 |
| Total domestic deposits to total assets | 65.8978% | 7,618 |
| Equity capital to assets | 15.8165% | 697 |
| Core capital (leverage) ratio | 16.2582% | 540 |
| Tier 1 risk-based capital ratio | 20.4541% | 1,434 |
| Total risk-based capital ratio | 21.7068% | 1,402 |
| Memoranda: |
| Average total assets | $136,140,500 | 4,271 |
| Average earning assets | $129,527,500 | 4,157 |
| Average equity | $22,579,000 | 2,868 |
| Average total loans | $100,464,000 | 3,948 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1360% | 1,415 |
| Cost of funding earning assets | 2.5435% | 910 |
| Net interest margin | 3.5925% | 4,576 |
| Noninterest income to average assets | 0.7414% | 2,734 |
| Noninterest expense to average assets | 2.8386% | 4,800 |
| Loan and lease loss provision to assets | 1.1889% | 1,935 |
| Net operating income to assets | 0.1300% | 5,113 |
| Return on assets (ROA) | 0.3919% | 4,258 |
| Pretax return on assets | 0.6176% | 3,855 |
| Return on Equity (ROE) | 2.2381% | 4,816 |
| Retained earnings to average equity (ytd only) | 2.2381% | 3,553 |
| Net charge-offs to loans | 1.0970% | 2,224 |
| Credit loss provision to net charge-offs | 134.6051% | 3,688 |
| Earnings coverage of net charge-offs (x) | 1.5821% | 4,556 |
| Efficiency ratio | 67.0120% | 5,181 |
| Assets per employee ($millions) | 5.8654% | 1,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6464% | 3,104 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9870% | 3,416 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 75.9249% | 1,814 |
| Net loans and leases to deposits | 107.7646% | 472 |
| Net loans and leases to core deposits | 129.2626% | 1,319 |
| Total domestic deposits to total assets | 70.4544% | 7,381 |
| Equity capital to assets | 17.4383% | 511 |
| Core capital (leverage) ratio | 16.9314% | 499 |
| Tier 1 risk-based capital ratio | 21.1220% | 1,273 |
| Total risk-based capital ratio | 22.3761% | 1,242 |
| Memoranda: |
| Average total assets | $127,597,400 | 4,391 |
| Average earning assets | $124,119,600 | 4,214 |
| Average equity | $22,340,000 | 2,905 |
| Average total loans | $102,738,000 | 3,876 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1090% | 1,620 |
| Cost of funding earning assets | 2.5877% | 1,060 |
| Net interest margin | 3.5213% | 4,780 |
| Noninterest income to average assets | 0.6361% | 3,452 |
| Noninterest expense to average assets | 2.9425% | 4,264 |
| Loan and lease loss provision to assets | 1.1087% | 1,761 |
| Net operating income to assets | -0.1321% | 5,951 |
| Return on assets (ROA) | 0.2180% | 5,176 |
| Pretax return on assets | 0.5784% | 4,261 |
| Return on Equity (ROE) | 1.2437% | 5,420 |
| Retained earnings to average equity (ytd only) | 1.2437% | 4,629 |
| Net charge-offs to loans | 0.4289% | 3,538 |
| Credit loss provision to net charge-offs | 317.7177% | 1,298 |
| Earnings coverage of net charge-offs (x) | 3.2673% | 3,605 |
| Efficiency ratio | 72.0739% | 4,229 |
| Assets per employee ($millions) | 5.5071% | 1,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8996% | 2,035 |
| Loan loss allowance to noncurrent loans | 58.8148% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 2.5406% | 2,731 |
| Noncurrent loans to loans | 3.2297% | 2,343 |
| Net loans and leases to total assets | 77.1697% | 1,750 |
| Net loans and leases to deposits | 108.3416% | 537 |
| Net loans and leases to core deposits | 133.9779% | 1,207 |
| Total domestic deposits to total assets | 71.2282% | 7,312 |
| Equity capital to assets | 16.9107% | 647 |
| Core capital (leverage) ratio | 16.7538% | 586 |
| Tier 1 risk-based capital ratio | 20.0120% | 1,557 |
| Total risk-based capital ratio | 21.2689% | 1,504 |
| Memoranda: |
| Average total assets | $127,237,250 | 4,419 |
| Average earning assets | $124,533,500 | 4,232 |
| Average equity | $22,299,500 | 2,933 |
| Average total loans | $103,519,500 | 3,893 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2873% | 1,242 |
| Cost of funding earning assets | 2.6409% | 1,183 |
| Net interest margin | 3.6465% | 4,185 |
| Noninterest income to average assets | 0.5064% | 4,391 |
| Noninterest expense to average assets | 2.9922% | 4,114 |
| Loan and lease loss provision to assets | 0.3981% | 3,529 |
| Net operating income to assets | 0.3332% | 4,747 |
| Return on assets (ROA) | 0.5972% | 3,797 |
| Pretax return on assets | 1.0972% | 2,647 |
| Return on Equity (ROE) | 3.3659% | 4,761 |
| Retained earnings to average equity (ytd only) | 3.3659% | 3,450 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4271% | 4,119 |
| Assets per employee ($millions) | 7.5438% | 603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4288% | 3,584 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 80.6893% | 1,194 |
| Net loans and leases to deposits | 114.9739% | 363 |
| Net loans and leases to core deposits | 143.2785% | 872 |
| Total domestic deposits to total assets | 70.1805% | 7,454 |
| Equity capital to assets | 17.4603% | 608 |
| Core capital (leverage) ratio | 17.1824% | 593 |
| Tier 1 risk-based capital ratio | 20.3594% | 1,510 |
| Total risk-based capital ratio | 21.6112% | 1,466 |
| Memoranda: |
| Average total assets | $125,592,670 | 4,489 |
| Average earning assets | $122,913,670 | 4,292 |
| Average equity | $22,282,330 | 2,939 |
| Average total loans | $103,369,000 | 3,930 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1708% | 1,689 |
| Cost of funding earning assets | 2.6235% | 1,496 |
| Net interest margin | 3.5473% | 4,532 |
| Noninterest income to average assets | 0.4539% | 4,733 |
| Noninterest expense to average assets | 3.0483% | 3,560 |
| Loan and lease loss provision to assets | 0.3702% | 3,107 |
| Net operating income to assets | 0.2808% | 5,368 |
| Return on assets (ROA) | 0.8144% | 3,223 |
| Pretax return on assets | 1.3423% | 2,142 |
| Return on Equity (ROE) | 4.5529% | 4,686 |
| Retained earnings to average equity (ytd only) | 4.5529% | 3,400 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6230% | 3,232 |
| Assets per employee ($millions) | 5.9983% | 1,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3095% | 4,020 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 81.6687% | 1,069 |
| Net loans and leases to deposits | 116.9129% | 362 |
| Net loans and leases to core deposits | 142.0303% | 1,012 |
| Total domestic deposits to total assets | 69.8543% | 7,440 |
| Equity capital to assets | 17.7041% | 642 |
| Core capital (leverage) ratio | 17.4930% | 603 |
| Tier 1 risk-based capital ratio | 20.3543% | 1,556 |
| Total risk-based capital ratio | 21.6044% | 1,522 |
| Memoranda: |
| Average total assets | $124,266,500 | 4,533 |
| Average earning assets | $121,669,500 | 4,341 |
| Average equity | $22,227,500 | 2,951 |
| Average total loans | $102,563,500 | 3,964 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.0329% | 1,046 |
| Cost of funding earning assets | 2.9380% | 2,107 |
| Net interest margin | 4.0949% | 2,734 |
| Noninterest income to average assets | 0.6800% | 3,248 |
| Noninterest expense to average assets | 3.8640% | 1,632 |
| Loan and lease loss provision to assets | 0.2301% | 4,590 |
| Net operating income to assets | 0.3276% | 5,457 |
| Return on assets (ROA) | 0.3276% | 5,279 |
| Pretax return on assets | 0.5696% | 4,781 |
| Return on Equity (ROE) | 1.6358% | 5,728 |
| Retained earnings to average equity (ytd only) | 1.6358% | 4,230 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8532% | 2,199 |
| Assets per employee ($millions) | 5.5713% | 1,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2390% | 4,240 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 81.2920% | 1,361 |
| Net loans and leases to deposits | 131.2287% | 196 |
| Net loans and leases to core deposits | 175.4468% | 335 |
| Total domestic deposits to total assets | 61.9468% | 7,888 |
| Equity capital to assets | 18.0749% | 640 |
| Core capital (leverage) ratio | 18.9495% | 516 |
| Tier 1 risk-based capital ratio | 20.4682% | 1,542 |
| Total risk-based capital ratio | 21.6493% | 1,518 |
| Memoranda: |
| Average total assets | $108,669,000 | 4,816 |
| Average earning assets | $105,717,600 | 4,619 |
| Average equity | $21,762,800 | 3,009 |
| Average total loans | $86,534,200 | 4,318 |
