| 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 | 7.4673% | 168 |
| Cost of funding earning assets | 2.0481% | 852 |
| Net interest margin | 5.4192% | 205 |
| Noninterest income to average assets | 1.2200% | 490 |
| Noninterest expense to average assets | 2.1852% | 3,168 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 3.0754% | 149 |
| Return on assets (ROA) | 3.0804% | 146 |
| Pretax return on assets | 4.0515% | 114 |
| Return on Equity (ROE) | 22.1300% | 453 |
| Retained earnings to average equity (ytd only) | 10.5155% | 903 |
| Net charge-offs to loans | 0.0375% | 1,557 |
| Credit loss provision to net charge-offs | 40.2145% | 2,237 |
| Earnings coverage of net charge-offs (x) | 134.5657% | 767 |
| Efficiency ratio | 34.4431% | 4,457 |
| Assets per employee ($millions) | 5.9552% | 2,860 |
| Cash dividends to net income (ytd only)* | 52.4838% | 1,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1119% | 2,774 |
| Loan loss allowance to noncurrent loans | 70.9687% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 1.3838% | 287 |
| Noncurrent loans to loans | 1.5667% | 424 |
| Net loans and leases to total assets | 80.7300% | 558 |
| Net loans and leases to deposits | 104.1554% | 350 |
| Net loans and leases to core deposits | 162.1166% | 145 |
| Total domestic deposits to total assets | 77.5100% | 3,786 |
| Equity capital to assets | 13.5608% | 757 |
| Core capital (leverage) ratio | 12.9058% | 1,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5453% | 390 |
| Memoranda: |
| Average total assets | $1,237,094,400 | 837 |
| Average earning assets | $1,146,392,000 | 823 |
| Average equity | $172,194,200 | 608 |
| Average total loans | $994,567,200 | 731 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.4263% | 153 |
| Cost of funding earning assets | 1.9863% | 721 |
| Net interest margin | 5.4400% | 193 |
| Noninterest income to average assets | 0.6600% | 1,314 |
| Noninterest expense to average assets | 2.1242% | 3,286 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 2.7048% | 216 |
| Return on assets (ROA) | 2.7048% | 215 |
| Pretax return on assets | 3.5416% | 158 |
| Return on Equity (ROE) | 19.3000% | 791 |
| Retained earnings to average equity (ytd only) | 19.2993% | 286 |
| Net charge-offs to loans | 0.0472% | 1,214 |
| Credit loss provision to net charge-offs | 43.3526% | 1,924 |
| Earnings coverage of net charge-offs (x) | 94.1185% | 949 |
| Efficiency ratio | 35.8317% | 4,448 |
| Assets per employee ($millions) | 6.0820% | 2,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1832% | 2,450 |
| Loan loss allowance to noncurrent loans | 60.4637% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 1.6463% | 209 |
| Noncurrent loans to loans | 1.9569% | 318 |
| Net loans and leases to total assets | 76.8600% | 1,008 |
| Net loans and leases to deposits | 100.3122% | 498 |
| Net loans and leases to core deposits | 158.9434% | 108 |
| Total domestic deposits to total assets | 76.6200% | 3,961 |
| Equity capital to assets | 14.2353% | 613 |
| Core capital (leverage) ratio | 13.5493% | 925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8029% | 357 |
| Memoranda: |
| Average total assets | $1,220,320,500 | 847 |
| Average earning assets | $1,127,695,000 | 838 |
| Average equity | $171,028,000 | 609 |
| Average total loans | $977,015,250 | 743 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.2035% | 156 |
| Cost of funding earning assets | 1.9031% | 602 |
| Net interest margin | 5.3004% | 211 |
| Noninterest income to average assets | 0.7100% | 1,093 |
| Noninterest expense to average assets | 2.0894% | 3,376 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 2.6887% | 201 |
| Return on assets (ROA) | 2.6887% | 197 |
| Pretax return on assets | 3.5203% | 146 |
| Return on Equity (ROE) | 19.2900% | 792 |
| Retained earnings to average equity (ytd only) | 19.2935% | 273 |
| Net charge-offs to loans | -0.0052% | 3,721 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 36.6862% | 4,460 |
| Assets per employee ($millions) | 6.1313% | 2,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2760% | 2,034 |
| Loan loss allowance to noncurrent loans | 65.7126% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 1.6539% | 201 |
| Noncurrent loans to loans | 1.9418% | 293 |
| Net loans and leases to total assets | 77.9900% | 833 |
| Net loans and leases to deposits | 101.5616% | 452 |
| Net loans and leases to core deposits | 173.8045% | 67 |
| Total domestic deposits to total assets | 76.7900% | 3,976 |
| Equity capital to assets | 14.4181% | 586 |
| Core capital (leverage) ratio | 13.7169% | 826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $1,197,296,333 | 853 |
| Average earning assets | $1,112,378,000 | 840 |
| Average equity | $166,854,333 | 615 |
| Average total loans | $968,402,333 | 735 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1396% | 109 |
| Cost of funding earning assets | 1.7373% | 510 |
| Net interest margin | 5.4023% | 168 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 1.8975% | 3,852 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 2.6837% | 206 |
| Return on assets (ROA) | 2.6837% | 203 |
| Pretax return on assets | 3.5648% | 135 |
| Return on Equity (ROE) | 19.6000% | 810 |
| Retained earnings to average equity (ytd only) | 19.6039% | 402 |
| Net charge-offs to loans | -0.0140% | 3,969 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 34.0107% | 4,569 |
| Assets per employee ($millions) | 5.9452% | 2,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2521% | 2,281 |
| Loan loss allowance to noncurrent loans | 80.4811% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 1.4558% | 235 |
| Noncurrent loans to loans | 1.5557% | 417 |
| Net loans and leases to total assets | 78.1000% | 754 |
| Net loans and leases to deposits | 99.6288% | 461 |
| Net loans and leases to core deposits | 168.1305% | 73 |
| Total domestic deposits to total assets | 78.3900% | 3,957 |
| Equity capital to assets | 13.5176% | 667 |
| Core capital (leverage) ratio | 13.4566% | 841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $1,188,943,500 | 871 |
| Average earning assets | $1,110,480,000 | 857 |
| Average equity | $162,763,500 | 635 |
| Average total loans | $973,094,500 | 744 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.9639% | 47 |
| Cost of funding earning assets | 0.8632% | 299 |
| Net interest margin | 6.1008% | 54 |
| Noninterest income to average assets | 0.5700% | 1,784 |
| Noninterest expense to average assets | 2.1642% | 3,113 |
| Loan and lease loss provision to assets | 0.4500% | 143 |
| Net operating income to assets | 2.8473% | 117 |
| Return on assets (ROA) | 2.8473% | 114 |
| Pretax return on assets | 3.7112% | 97 |
| Return on Equity (ROE) | 20.4400% | 437 |
| Retained earnings to average equity (ytd only) | 20.4374% | 81 |
| Net charge-offs to loans | 0.0563% | 1,094 |
| Credit loss provision to net charge-offs | 1,042.1286% | 412 |
| Earnings coverage of net charge-offs (x) | 95.7694% | 992 |
| Efficiency ratio | 33.7924% | 4,622 |
| Assets per employee ($millions) | 5.4867% | 3,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2456% | 2,176 |
| Loan loss allowance to noncurrent loans | 69.5657% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 1.8847% | 134 |
| Noncurrent loans to loans | 1.7905% | 336 |
| Net loans and leases to total assets | 83.8000% | 271 |
| Net loans and leases to deposits | 104.5246% | 279 |
| Net loans and leases to core deposits | 163.9879% | 61 |
| Total domestic deposits to total assets | 80.1700% | 3,855 |
| Equity capital to assets | 13.9002% | 587 |
| Core capital (leverage) ratio | 13.5157% | 812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $1,037,181,200 | 952 |
| Average earning assets | $979,059,600 | 923 |
| Average equity | $144,499,600 | 698 |
| Average total loans | $801,463,200 | 822 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.0182% | 39 |
| Cost of funding earning assets | 0.7053% | 260 |
| Net interest margin | 6.3129% | 41 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 2.1717% | 3,003 |
| Loan and lease loss provision to assets | 0.5100% | 101 |
| Net operating income to assets | 2.9686% | 107 |
| Return on assets (ROA) | 2.9686% | 103 |
| Pretax return on assets | 3.9005% | 89 |
| Return on Equity (ROE) | 21.2900% | 337 |
| Retained earnings to average equity (ytd only) | 21.2944% | 74 |
| Net charge-offs to loans | 0.0983% | 627 |
| Credit loss provision to net charge-offs | 696.4286% | 517 |
| Earnings coverage of net charge-offs (x) | 59.7875% | 1,175 |
| Efficiency ratio | 32.5759% | 4,677 |
| Assets per employee ($millions) | 5.6342% | 3,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1542% | 2,771 |
| Loan loss allowance to noncurrent loans | 75.0185% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 1.7298% | 180 |
| Noncurrent loans to loans | 1.5386% | 447 |
| Net loans and leases to total assets | 86.0500% | 118 |
| Net loans and leases to deposits | 102.5015% | 283 |
| Net loans and leases to core deposits | 153.2553% | 58 |
| Total domestic deposits to total assets | 83.9500% | 3,516 |
| Equity capital to assets | 13.6692% | 597 |
| Core capital (leverage) ratio | 13.9586% | 692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $1,011,169,250 | 975 |
| Average earning assets | $953,880,250 | 954 |
| Average equity | $140,966,250 | 714 |
| Average total loans | $759,737,250 | 847 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.9590% | 38 |
| Cost of funding earning assets | 0.6463% | 216 |
| Net interest margin | 6.3127% | 42 |
| Noninterest income to average assets | 0.7542% | 1,163 |
| Noninterest expense to average assets | 2.1518% | 2,989 |
| Loan and lease loss provision to assets | 0.1840% | 478 |
| Net operating income to assets | 3.2131% | 64 |
| Return on assets (ROA) | 3.2131% | 61 |
| Pretax return on assets | 4.3653% | 48 |
| Return on Equity (ROE) | 22.8792% | 170 |
| Retained earnings to average equity (ytd only) | 22.8792% | 45 |
| Net charge-offs to loans | 0.1523% | 422 |
| Credit loss provision to net charge-offs | 171.1027% | 1,041 |
| Earnings coverage of net charge-offs (x) | 42.3042% | 1,233 |
| Efficiency ratio | 31.7052% | 4,706 |
| Assets per employee ($millions) | 5.4902% | 3,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1131% | 3,115 |
| Loan loss allowance to noncurrent loans | 50.3289% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 2.1192% | 121 |
| Noncurrent loans to loans | 2.2116% | 286 |
| Net loans and leases to total assets | 74.0126% | 919 |
| Net loans and leases to deposits | 89.9250% | 726 |
| Net loans and leases to core deposits | 115.6501% | 253 |
| Total domestic deposits to total assets | 82.3048% | 3,967 |
| Equity capital to assets | 14.7466% | 433 |
| Core capital (leverage) ratio | 14.0234% | 630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $978,249,333 | 996 |
| Average earning assets | $921,565,667 | 986 |
| Average equity | $137,382,333 | 735 |
| Average total loans | $690,884,000 | 901 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.2292% | 32 |
| Cost of funding earning assets | 0.6724% | 177 |
| Net interest margin | 6.5568% | 34 |
| Noninterest income to average assets | 0.6689% | 1,420 |
| Noninterest expense to average assets | 2.0928% | 3,165 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 3.5572% | 59 |
| Return on assets (ROA) | 3.5572% | 58 |
| Pretax return on assets | 4.7631% | 48 |
| Return on Equity (ROE) | 25.9958% | 85 |
| Retained earnings to average equity (ytd only) | 25.9958% | 49 |
| Net charge-offs to loans | -0.0371% | 4,161 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.1249% | 4,742 |
| Assets per employee ($millions) | 6.3250% | 2,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1398% | 3,153 |
| Loan loss allowance to noncurrent loans | 75.2724% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 1.4290% | 263 |
| Noncurrent loans to loans | 1.5142% | 538 |
| Net loans and leases to total assets | 69.6729% | 1,048 |
| Net loans and leases to deposits | 84.6617% | 838 |
| Net loans and leases to core deposits | 108.3288% | 297 |
| Total domestic deposits to total assets | 82.2957% | 4,044 |
| Equity capital to assets | 14.0644% | 523 |
| Core capital (leverage) ratio | 13.4688% | 678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $975,924,500 | 1,001 |
| Average earning assets | $920,880,000 | 997 |
| Average equity | $133,544,500 | 764 |
| Average total loans | $669,041,500 | 915 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.0768% | 39 |
| Cost of funding earning assets | 0.7626% | 247 |
| Net interest margin | 6.3142% | 44 |
| Noninterest income to average assets | 1.3564% | 591 |
| Noninterest expense to average assets | 2.3288% | 2,716 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 3.7497% | 64 |
| Return on assets (ROA) | 3.7497% | 68 |
| Pretax return on assets | 4.9622% | 56 |
| Return on Equity (ROE) | 28.5218% | 79 |
| Retained earnings to average equity (ytd only) | 17.2043% | 115 |
| Net charge-offs to loans | 0.0445% | 1,394 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 162.1215% | 622 |
| Efficiency ratio | 31.4399% | 4,783 |
| Assets per employee ($millions) | 6.7464% | 2,109 |
| Cash dividends to net income (ytd only)* | 39.6803% | 2,050 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2073% | 2,854 |
| Loan loss allowance to noncurrent loans | 60.7448% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 1.7417% | 212 |
| Noncurrent loans to loans | 1.9875% | 394 |
| Net loans and leases to total assets | 65.8112% | 1,487 |
| Net loans and leases to deposits | 79.3333% | 1,269 |
| Net loans and leases to core deposits | 102.1197% | 453 |
| Total domestic deposits to total assets | 82.9553% | 3,817 |
| Equity capital to assets | 13.3000% | 822 |
| Core capital (leverage) ratio | 12.7295% | 866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $940,940,000 | 1,002 |
| Average earning assets | $884,370,200 | 995 |
| Average equity | $123,701,800 | 837 |
| Average total loans | $647,638,800 | 938 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1453% | 38 |
| Cost of funding earning assets | 0.7963% | 247 |
| Net interest margin | 6.3490% | 46 |
| Noninterest income to average assets | 1.5357% | 527 |
| Noninterest expense to average assets | 2.1376% | 3,257 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 4.0387% | 63 |
| Return on assets (ROA) | 4.0387% | 63 |
| Pretax return on assets | 5.3600% | 56 |
| Return on Equity (ROE) | 30.8142% | 83 |
| Retained earnings to average equity (ytd only) | 30.8142% | 24 |
| Net charge-offs to loans | -0.0047% | 3,419 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.9824% | 4,871 |
| Assets per employee ($millions) | 6.0362% | 2,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2685% | 2,639 |
| Loan loss allowance to noncurrent loans | 46.1512% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 2.1931% | 154 |
| Noncurrent loans to loans | 2.7486% | 252 |
| Net loans and leases to total assets | 66.7212% | 1,462 |
| Net loans and leases to deposits | 82.1517% | 1,106 |
| Net loans and leases to core deposits | 108.9157% | 347 |
| Total domestic deposits to total assets | 81.2171% | 4,057 |
| Equity capital to assets | 14.3721% | 657 |
| Core capital (leverage) ratio | 13.8303% | 675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $933,305,750 | 1,020 |
| Average earning assets | $876,393,500 | 1,013 |
| Average equity | $122,325,750 | 859 |
| Average total loans | $647,760,000 | 953 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1355% | 42 |
| Cost of funding earning assets | 0.8221% | 265 |
| Net interest margin | 6.3134% | 50 |
| Noninterest income to average assets | 1.7322% | 416 |
| Noninterest expense to average assets | 2.0499% | 3,548 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 4.2181% | 66 |
| Return on assets (ROA) | 4.2181% | 66 |
| Pretax return on assets | 5.6027% | 60 |
| Return on Equity (ROE) | 33.2760% | 72 |
| Retained earnings to average equity (ytd only) | 33.2760% | 24 |
| Net charge-offs to loans | 0.0074% | 1,864 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 1,083.7917% | 118 |
| Efficiency ratio | 26.1934% | 4,917 |
| Assets per employee ($millions) | 5.5628% | 3,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2712% | 2,579 |
| Loan loss allowance to noncurrent loans | 52.3766% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 2.0676% | 203 |
| Noncurrent loans to loans | 2.4270% | 345 |
| Net loans and leases to total assets | 67.1233% | 1,566 |
| Net loans and leases to deposits | 83.2317% | 1,113 |
| Net loans and leases to core deposits | 112.8594% | 304 |
| Total domestic deposits to total assets | 80.6463% | 4,135 |
| Equity capital to assets | 13.6452% | 797 |
| Core capital (leverage) ratio | 13.0539% | 789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $928,512,667 | 1,024 |
| Average earning assets | $870,717,667 | 1,015 |
| Average equity | $117,700,333 | 881 |
| Average total loans | $650,203,000 | 952 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.7449% | 29 |
| Cost of funding earning assets | 0.8557% | 273 |
| Net interest margin | 6.8891% | 38 |
| Noninterest income to average assets | 1.3645% | 704 |
| Noninterest expense to average assets | 2.2505% | 2,946 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 4.1820% | 72 |
| Return on assets (ROA) | 4.1820% | 74 |
| Pretax return on assets | 5.5685% | 66 |
| Return on Equity (ROE) | 34.3153% | 90 |
| Retained earnings to average equity (ytd only) | 34.3153% | 56 |
| Net charge-offs to loans | 0.0225% | 1,292 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 348.2162% | 266 |
| Efficiency ratio | 27.9863% | 4,926 |
| Assets per employee ($millions) | 5.3749% | 3,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2510% | 2,659 |
| Loan loss allowance to noncurrent loans | 48.3106% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 2.3135% | 190 |
| Noncurrent loans to loans | 2.5896% | 351 |
| Net loans and leases to total assets | 67.2866% | 1,622 |
| Net loans and leases to deposits | 82.2267% | 1,319 |
| Net loans and leases to core deposits | 111.7504% | 367 |
| Total domestic deposits to total assets | 81.8306% | 3,921 |
| Equity capital to assets | 12.4339% | 1,103 |
| Core capital (leverage) ratio | 12.0098% | 1,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $925,491,000 | 1,016 |
| Average earning assets | $867,104,000 | 1,006 |
| Average equity | $112,789,500 | 912 |
| Average total loans | $657,613,500 | 937 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.3310% | 36 |
| Cost of funding earning assets | 1.0728% | 451 |
| Net interest margin | 6.2581% | 36 |
| Noninterest income to average assets | 1.3987% | 600 |
| Noninterest expense to average assets | 2.7359% | 2,126 |
| Loan and lease loss provision to assets | 0.3263% | 1,110 |
| Net operating income to assets | 3.1302% | 86 |
| Return on assets (ROA) | 3.1302% | 90 |
| Pretax return on assets | 4.1194% | 71 |
| Return on Equity (ROE) | 24.5048% | 119 |
| Retained earnings to average equity (ytd only) | 12.7551% | 255 |
| Net charge-offs to loans | 0.0733% | 1,752 |
| Credit loss provision to net charge-offs | 569.4761% | 1,148 |
| Earnings coverage of net charge-offs (x) | 77.5923% | 913 |
| Efficiency ratio | 37.7549% | 4,918 |
| Assets per employee ($millions) | 7.4180% | 1,330 |
| Cash dividends to net income (ytd only)* | 47.9486% | 1,947 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2079% | 2,902 |
| Loan loss allowance to noncurrent loans | 38.7515% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 3.0013% | 124 |
| Noncurrent loans to loans | 3.1172% | 265 |
| Net loans and leases to total assets | 73.2091% | 1,129 |
| Net loans and leases to deposits | 88.3766% | 1,051 |
| Net loans and leases to core deposits | 122.1071% | 285 |
| Total domestic deposits to total assets | 82.8377% | 3,455 |
| Equity capital to assets | 11.9289% | 1,612 |
| Core capital (leverage) ratio | 11.3248% | 1,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $766,207,200 | 1,091 |
| Average earning assets | $708,022,800 | 1,089 |
| Average equity | $97,874,800 | 977 |
| Average total loans | $598,818,000 | 979 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.2433% | 41 |
| Cost of funding earning assets | 1.1107% | 516 |
| Net interest margin | 6.1326% | 40 |
| Noninterest income to average assets | 1.5150% | 508 |
| Noninterest expense to average assets | 2.7134% | 2,223 |
| Loan and lease loss provision to assets | 0.4556% | 702 |
| Net operating income to assets | 3.0052% | 92 |
| Return on assets (ROA) | 3.0052% | 97 |
| Pretax return on assets | 3.9924% | 69 |
| Return on Equity (ROE) | 23.0544% | 153 |
| Retained earnings to average equity (ytd only) | 17.4614% | 119 |
| Net charge-offs to loans | 0.0624% | 1,711 |
| Credit loss provision to net charge-offs | 919.1176% | 885 |
| Earnings coverage of net charge-offs (x) | 89.7206% | 852 |
| Efficiency ratio | 37.5226% | 4,935 |
| Assets per employee ($millions) | 6.9820% | 1,513 |
| Cash dividends to net income (ytd only)* | 24.2601% | 2,616 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1912% | 2,714 |
| Loan loss allowance to noncurrent loans | 48.9491% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 2.7066% | 180 |
| Noncurrent loans to loans | 2.4336% | 437 |
| Net loans and leases to total assets | 78.5794% | 762 |
| Net loans and leases to deposits | 95.9985% | 759 |
| Net loans and leases to core deposits | 128.0448% | 269 |
| Total domestic deposits to total assets | 81.8549% | 3,458 |
| Equity capital to assets | 11.7976% | 1,806 |
| Core capital (leverage) ratio | 11.1059% | 1,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $731,509,250 | 1,115 |
| Average earning assets | $673,524,000 | 1,121 |
| Average equity | $95,354,500 | 988 |
| Average total loans | $580,861,750 | 1,001 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.0631% | 59 |
| Cost of funding earning assets | 1.1315% | 649 |
| Net interest margin | 5.9316% | 68 |
| Noninterest income to average assets | 1.6314% | 393 |
| Noninterest expense to average assets | 2.8652% | 1,926 |
| Loan and lease loss provision to assets | 0.7305% | 368 |
| Net operating income to assets | 2.6112% | 119 |
| Return on assets (ROA) | 2.6112% | 128 |
| Pretax return on assets | 3.4706% | 78 |
| Return on Equity (ROE) | 19.2548% | 284 |
| Retained earnings to average equity (ytd only) | 10.6358% | 668 |
| Net charge-offs to loans | 0.0994% | 1,277 |
| Credit loss provision to net charge-offs | 925.9259% | 833 |
| Earnings coverage of net charge-offs (x) | 53.2481% | 1,060 |
| Efficiency ratio | 40.1456% | 4,914 |
| Assets per employee ($millions) | 6.7730% | 1,577 |
| Cash dividends to net income (ytd only)* | 44.7628% | 1,742 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1525% | 2,768 |
| Loan loss allowance to noncurrent loans | 66.9744% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 2.2211% | 295 |
| Noncurrent loans to loans | 1.7209% | 835 |
| Net loans and leases to total assets | 81.1793% | 480 |
| Net loans and leases to deposits | 98.5701% | 626 |
| Net loans and leases to core deposits | 132.8269% | 233 |
| Total domestic deposits to total assets | 82.3569% | 3,275 |
| Equity capital to assets | 10.9209% | 2,412 |
| Core capital (leverage) ratio | 11.1472% | 1,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $684,430,333 | 1,167 |
| Average earning assets | $627,116,000 | 1,176 |
| Average equity | $92,818,333 | 1,007 |
| Average total loans | $543,126,667 | 1,048 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.2107% | 40 |
| Cost of funding earning assets | 1.1852% | 812 |
| Net interest margin | 7.0255% | 38 |
| Noninterest income to average assets | 0.6952% | 1,670 |
| Noninterest expense to average assets | 3.3456% | 1,147 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.7780% | 82 |
| Return on assets (ROA) | 2.7780% | 84 |
| Pretax return on assets | 3.6936% | 55 |
| Return on Equity (ROE) | 17.9024% | 274 |
| Retained earnings to average equity (ytd only) | 9.1610% | 926 |
| Net charge-offs to loans | 0.0597% | 1,412 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 80.0882% | 670 |
| Efficiency ratio | 47.0373% | 4,793 |
| Assets per employee ($millions) | 4.4663% | 3,313 |
| Cash dividends to net income (ytd only)* | 48.8281% | 1,665 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3263% | 2,017 |
| Loan loss allowance to noncurrent loans | 36.9137% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 4.1375% | 96 |
| Noncurrent loans to loans | 3.5929% | 253 |
| Net loans and leases to total assets | 74.2516% | 1,567 |
| Net loans and leases to deposits | 95.4956% | 964 |
| Net loans and leases to core deposits | 125.3415% | 346 |
| Total domestic deposits to total assets | 77.7540% | 4,259 |
| Equity capital to assets | 15.4650% | 682 |
| Core capital (leverage) ratio | 14.4267% | 813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $589,784,500 | 1,275 |
| Average earning assets | $532,574,000 | 1,307 |
| Average equity | $91,518,500 | 1,020 |
| Average total loans | $455,914,500 | 1,170 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.1031% | 32 |
| Cost of funding earning assets | 1.3032% | 764 |
| Net interest margin | 7.7999% | 28 |
| Noninterest income to average assets | 1.5405% | 393 |
| Noninterest expense to average assets | 3.4788% | 992 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 3.9964% | 53 |
| Return on assets (ROA) | 3.9964% | 56 |
| Pretax return on assets | 5.0979% | 48 |
| Return on Equity (ROE) | 28.6412% | 45 |
| Retained earnings to average equity (ytd only) | 26.1649% | 17 |
| Net charge-offs to loans | 0.0721% | 2,066 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 89.1511% | 740 |
| Efficiency ratio | 39.8139% | 5,071 |
| Assets per employee ($millions) | 4.1212% | 3,740 |
| Cash dividends to net income (ytd only)* | 8.6457% | 3,786 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3088% | 1,879 |
| Loan loss allowance to noncurrent loans | 36.9013% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 4.1651% | 91 |
| Noncurrent loans to loans | 3.5469% | 230 |
| Net loans and leases to total assets | 78.3761% | 1,014 |
| Net loans and leases to deposits | 97.1727% | 827 |
| Net loans and leases to core deposits | 129.0814% | 287 |
| Total domestic deposits to total assets | 80.6565% | 3,843 |
| Equity capital to assets | 15.5711% | 678 |
| Core capital (leverage) ratio | 13.9602% | 937 |
| Tier 1 risk-based capital ratio | 21.7236% | 1,058 |
| Total risk-based capital ratio | 22.9781% | 1,031 |
| Memoranda: |
| Average total assets | $578,845,000 | 1,258 |
| Average earning assets | $522,171,200 | 1,285 |
| Average equity | $80,768,400 | 1,081 |
| Average total loans | $459,352,400 | 1,143 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.9569% | 34 |
| Cost of funding earning assets | 1.3060% | 771 |
| Net interest margin | 7.6509% | 31 |
| Noninterest income to average assets | 1.6559% | 348 |
| Noninterest expense to average assets | 3.5573% | 891 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 3.8644% | 51 |
| Return on assets (ROA) | 3.8644% | 54 |
| Pretax return on assets | 4.9993% | 49 |
| Return on Equity (ROE) | 28.5262% | 47 |
| Retained earnings to average equity (ytd only) | 25.1223% | 25 |
| Net charge-offs to loans | 0.0619% | 1,939 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 101.7991% | 742 |
| Efficiency ratio | 40.7550% | 5,105 |
| Assets per employee ($millions) | 4.5500% | 3,122 |
| Cash dividends to net income (ytd only)* | 11.9325% | 3,315 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3071% | 1,937 |
| Loan loss allowance to noncurrent loans | 41.2486% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 3.8676% | 111 |
| Noncurrent loans to loans | 3.1689% | 293 |
| Net loans and leases to total assets | 78.6049% | 1,046 |
| Net loans and leases to deposits | 96.7523% | 923 |
| Net loans and leases to core deposits | 129.4825% | 297 |
| Total domestic deposits to total assets | 81.2434% | 3,679 |
| Equity capital to assets | 14.4195% | 1,001 |
| Core capital (leverage) ratio | 13.1007% | 1,306 |
| Tier 1 risk-based capital ratio | 18.8536% | 1,597 |
| Total risk-based capital ratio | 20.1068% | 1,562 |
| Memoranda: |
| Average total assets | $578,284,250 | 1,260 |
| Average earning assets | $521,580,000 | 1,288 |
| Average equity | $78,340,000 | 1,106 |
| Average total loans | $458,822,000 | 1,152 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.1446% | 30 |
| Cost of funding earning assets | 1.2930% | 756 |
| Net interest margin | 7.8517% | 32 |
| Noninterest income to average assets | 2.0224% | 262 |
| Noninterest expense to average assets | 3.5286% | 925 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 4.3988% | 39 |
| Return on assets (ROA) | 4.3988% | 42 |
| Pretax return on assets | 5.5729% | 41 |
| Return on Equity (ROE) | 33.2057% | 31 |
| Retained earnings to average equity (ytd only) | 27.9442% | 16 |
| Net charge-offs to loans | 0.0866% | 1,495 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 81.1726% | 810 |
| Efficiency ratio | 37.9920% | 5,188 |
| Assets per employee ($millions) | 4.3865% | 3,304 |
| Cash dividends to net income (ytd only)* | 15.8453% | 3,145 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3970% | 1,626 |
| Loan loss allowance to noncurrent loans | 41.1025% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 3.6848% | 131 |
| Noncurrent loans to loans | 3.3989% | 256 |
| Net loans and leases to total assets | 74.6935% | 1,767 |
| Net loans and leases to deposits | 91.4408% | 1,568 |
| Net loans and leases to core deposits | 123.0657% | 454 |
| Total domestic deposits to total assets | 81.6851% | 3,610 |
| Equity capital to assets | 13.9112% | 1,152 |
| Core capital (leverage) ratio | 12.5047% | 1,535 |
| Tier 1 risk-based capital ratio | 19.7718% | 1,393 |
| Total risk-based capital ratio | 21.0274% | 1,362 |
| Memoranda: |
| Average total assets | $573,879,330 | 1,271 |
| Average earning assets | $517,417,670 | 1,295 |
| Average equity | $76,023,000 | 1,128 |
| Average total loans | $454,727,670 | 1,156 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.9639% | 34 |
| Cost of funding earning assets | 1.2709% | 728 |
| Net interest margin | 7.6930% | 31 |
| Noninterest income to average assets | 1.5849% | 350 |
| Noninterest expense to average assets | 3.5564% | 897 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 4.1046% | 55 |
| Return on assets (ROA) | 4.1046% | 58 |
| Pretax return on assets | 4.9550% | 52 |
| Return on Equity (ROE) | 31.8016% | 41 |
| Retained earnings to average equity (ytd only) | 31.8016% | 23 |
| Net charge-offs to loans | 0.0520% | 1,543 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 117.5000% | 600 |
| Efficiency ratio | 40.9496% | 5,189 |
| Assets per employee ($millions) | 4.0721% | 3,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3857% | 1,732 |
| Loan loss allowance to noncurrent loans | 42.6621% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 3.8439% | 125 |
| Noncurrent loans to loans | 3.2481% | 305 |
| Net loans and leases to total assets | 77.6700% | 1,211 |
| Net loans and leases to deposits | 94.1943% | 1,151 |
| Net loans and leases to core deposits | 127.1529% | 355 |
| Total domestic deposits to total assets | 82.4573% | 3,599 |
| Equity capital to assets | 13.2082% | 1,344 |
| Core capital (leverage) ratio | 11.9246% | 1,819 |
| Tier 1 risk-based capital ratio | 17.9945% | 1,791 |
| Total risk-based capital ratio | 19.2500% | 1,754 |
| Memoranda: |
| Average total assets | $569,119,500 | 1,282 |
| Average earning assets | $512,412,500 | 1,310 |
| Average equity | $73,455,500 | 1,157 |
| Average total loans | $461,124,000 | 1,153 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.8927% | 22 |
| Cost of funding earning assets | 1.0395% | 638 |
| Net interest margin | 8.8532% | 24 |
| Noninterest income to average assets | 1.3055% | 543 |
| Noninterest expense to average assets | 3.7804% | 704 |
| Loan and lease loss provision to assets | 0.1777% | 1,109 |
| Net operating income to assets | 3.9124% | 50 |
| Return on assets (ROA) | 3.9105% | 49 |
| Pretax return on assets | 5.3061% | 42 |
| Return on Equity (ROE) | 31.2296% | 29 |
| Retained earnings to average equity (ytd only) | -18.5084% | 5,367 |
| Net charge-offs to loans | 0.0470% | 2,495 |
| Credit loss provision to net charge-offs | 461.9048% | 744 |
| Earnings coverage of net charge-offs (x) | 142.6190% | 582 |
| Efficiency ratio | 40.0372% | 5,283 |
| Assets per employee ($millions) | 3.9436% | 3,970 |
| Cash dividends to net income (ytd only)* | 159.2655% | 83 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3648% | 1,769 |
| Loan loss allowance to noncurrent loans | 55.7588% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 3.3613% | 164 |
| Noncurrent loans to loans | 2.4477% | 507 |
| Net loans and leases to total assets | 82.2228% | 621 |
| Net loans and leases to deposits | 98.9649% | 822 |
| Net loans and leases to core deposits | 130.9732% | 299 |
| Total domestic deposits to total assets | 83.0829% | 3,303 |
| Equity capital to assets | 12.5957% | 1,536 |
| Core capital (leverage) ratio | 10.9967% | 2,531 |
| Tier 1 risk-based capital ratio | 15.8818% | 2,455 |
| Total risk-based capital ratio | 17.1370% | 2,385 |
| Memoranda: |
| Average total assets | $545,915,400 | 1,302 |
| Average earning assets | $490,905,600 | 1,336 |
| Average equity | $68,358,200 | 1,184 |
| Average total loans | $446,674,400 | 1,151 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 10.1983% | 22 |
| Cost of funding earning assets | 0.9709% | 679 |
| Net interest margin | 9.2274% | 20 |
| Noninterest income to average assets | 1.3692% | 511 |
| Noninterest expense to average assets | 3.5348% | 939 |
| Loan and lease loss provision to assets | 0.0910% | 2,158 |
| Net operating income to assets | 4.5791% | 40 |
| Return on assets (ROA) | 4.5791% | 40 |
| Pretax return on assets | 6.0461% | 40 |
| Return on Equity (ROE) | 36.6248% | 20 |
| Retained earnings to average equity (ytd only) | -30.2231% | 5,456 |
| Net charge-offs to loans | 0.0652% | 1,900 |
| Credit loss provision to net charge-offs | 171.2963% | 1,558 |
| Earnings coverage of net charge-offs (x) | 115.5845% | 676 |
| Efficiency ratio | 35.8283% | 5,392 |
| Assets per employee ($millions) | 3.6127% | 4,423 |
| Cash dividends to net income (ytd only)* | 182.5210% | 52 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2737% | 2,233 |
| Loan loss allowance to noncurrent loans | 41.8573% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 3.8200% | 136 |
| Noncurrent loans to loans | 3.0431% | 357 |
| Net loans and leases to total assets | 79.7972% | 1,050 |
| Net loans and leases to deposits | 95.8166% | 1,178 |
| Net loans and leases to core deposits | 124.8202% | 446 |
| Total domestic deposits to total assets | 83.2812% | 3,208 |
| Equity capital to assets | 12.1118% | 1,831 |
| Core capital (leverage) ratio | 10.7714% | 2,823 |
| Tier 1 risk-based capital ratio | 15.0334% | 2,869 |
| Total risk-based capital ratio | 16.2864% | 2,789 |
| Memoranda: |
| Average total assets | $542,395,750 | 1,308 |
| Average earning assets | $488,041,750 | 1,347 |
| Average equity | $67,814,000 | 1,190 |
| Average total loans | $441,639,500 | 1,160 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 10.9149% | 19 |
| Cost of funding earning assets | 0.9236% | 655 |
| Net interest margin | 9.9913% | 17 |
| Noninterest income to average assets | 1.4280% | 467 |
| Noninterest expense to average assets | 3.7861% | 681 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 5.0762% | 34 |
| Return on assets (ROA) | 5.0762% | 34 |
| Pretax return on assets | 6.6463% | 36 |
| Return on Equity (ROE) | 40.1644% | 19 |
| Retained earnings to average equity (ytd only) | -60.1138% | 5,534 |
| Net charge-offs to loans | 0.0164% | 2,591 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 495.2778% | 177 |
| Efficiency ratio | 35.6451% | 5,455 |
| Assets per employee ($millions) | 3.5209% | 4,568 |
| Cash dividends to net income (ytd only)* | 249.6696% | 39 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2147% | 2,638 |
| Loan loss allowance to noncurrent loans | 36.9108% | 4,643 |
| Noncurrent assets plus other real estate owned to assets | 3.8173% | 152 |
| Noncurrent loans to loans | 3.2909% | 318 |
| Net loans and leases to total assets | 83.6176% | 509 |
| Net loans and leases to deposits | 98.4920% | 927 |
| Net loans and leases to core deposits | 121.9926% | 520 |
| Total domestic deposits to total assets | 84.8979% | 2,709 |
| Equity capital to assets | 11.5881% | 2,133 |
| Core capital (leverage) ratio | 9.9540% | 3,626 |
| Tier 1 risk-based capital ratio | 14.2686% | 3,225 |
| Total risk-based capital ratio | 15.5218% | 3,143 |
| Memoranda: |
| Average total assets | $536,538,330 | 1,323 |
| Average earning assets | $483,541,000 | 1,362 |
| Average equity | $67,811,330 | 1,187 |
| Average total loans | $437,984,670 | 1,168 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 12.5479% | 11 |
| Cost of funding earning assets | 0.8828% | 655 |
| Net interest margin | 11.6651% | 13 |
| Noninterest income to average assets | 0.9486% | 1,026 |
| Noninterest expense to average assets | 3.4567% | 1,071 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 6.0874% | 31 |
| Return on assets (ROA) | 6.0874% | 31 |
| Pretax return on assets | 7.9831% | 27 |
| Return on Equity (ROE) | 44.3007% | 14 |
| Retained earnings to average equity (ytd only) | -140.5120% | 5,604 |
| Net charge-offs to loans | 0.1338% | 1,004 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 74.7413% | 736 |
| Efficiency ratio | 29.6944% | 5,563 |
| Assets per employee ($millions) | 3.4137% | 4,776 |
| Cash dividends to net income (ytd only)* | 417.1779% | 29 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2673% | 2,414 |
| Loan loss allowance to noncurrent loans | 38.5287% | 4,669 |
| Noncurrent assets plus other real estate owned to assets | 3.6904% | 187 |
| Noncurrent loans to loans | 3.2892% | 333 |
| Net loans and leases to total assets | 77.9954% | 1,239 |
| Net loans and leases to deposits | 91.0797% | 1,545 |
| Net loans and leases to core deposits | 110.7072% | 962 |
| Total domestic deposits to total assets | 85.6343% | 2,703 |
| Equity capital to assets | 11.1061% | 2,480 |
| Core capital (leverage) ratio | 9.9144% | 3,622 |
| Tier 1 risk-based capital ratio | 13.8857% | 3,438 |
| Total risk-based capital ratio | 15.1388% | 3,353 |
| Memoranda: |
| Average total assets | $535,532,000 | 1,337 |
| Average earning assets | $481,641,000 | 1,375 |
| Average equity | $73,588,000 | 1,116 |
| Average total loans | $427,493,000 | 1,195 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 10.3279% | 19 |
| Cost of funding earning assets | 0.8695% | 444 |
| Net interest margin | 9.4584% | 18 |
| Noninterest income to average assets | 1.0663% | 894 |
| Noninterest expense to average assets | 3.6558% | 841 |
| Loan and lease loss provision to assets | 0.3642% | 422 |
| Net operating income to assets | 3.5343% | 54 |
| Return on assets (ROA) | 3.5343% | 53 |
| Pretax return on assets | 5.5425% | 41 |
| Return on Equity (ROE) | 22.6227% | 109 |
| Retained earnings to average equity (ytd only) | 22.6227% | 27 |
| Net charge-offs to loans | 0.5187% | 449 |
| Credit loss provision to net charge-offs | 87.3500% | 2,831 |
| Earnings coverage of net charge-offs (x) | 14.1685% | 2,347 |
| Efficiency ratio | 37.5863% | 5,566 |
| Assets per employee ($millions) | 3.2004% | 5,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3249% | 2,094 |
| Loan loss allowance to noncurrent loans | 38.5768% | 4,718 |
| Noncurrent assets plus other real estate owned to assets | 3.8253% | 159 |
| Noncurrent loans to loans | 3.4344% | 298 |
| Net loans and leases to total assets | 79.6199% | 1,016 |
| Net loans and leases to deposits | 99.6186% | 759 |
| Net loans and leases to core deposits | 122.9027% | 497 |
| Total domestic deposits to total assets | 79.9247% | 4,347 |
| Equity capital to assets | 16.4832% | 457 |
| Core capital (leverage) ratio | 15.1963% | 590 |
| Tier 1 risk-based capital ratio | 21.7817% | 1,045 |
| Total risk-based capital ratio | 23.0358% | 1,021 |
| Memoranda: |
| Average total assets | $519,564,800 | 1,350 |
| Average earning assets | $466,706,200 | 1,389 |
| Average equity | $81,170,800 | 998 |
| Average total loans | $417,600,000 | 1,194 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 10.8425% | 16 |
| Cost of funding earning assets | 0.8836% | 382 |
| Net interest margin | 9.9589% | 15 |
| Noninterest income to average assets | 1.0672% | 897 |
| Noninterest expense to average assets | 3.2118% | 1,531 |
| Loan and lease loss provision to assets | 0.2483% | 696 |
| Net operating income to assets | 4.1697% | 49 |
| Return on assets (ROA) | 4.1697% | 49 |
| Pretax return on assets | 6.5500% | 36 |
| Return on Equity (ROE) | 27.0669% | 50 |
| Retained earnings to average equity (ytd only) | 27.0669% | 20 |
| Net charge-offs to loans | 0.4838% | 422 |
| Credit loss provision to net charge-offs | 63.9073% | 2,758 |
| Earnings coverage of net charge-offs (x) | 17.4994% | 2,100 |
| Efficiency ratio | 31.4691% | 5,686 |
| Assets per employee ($millions) | 3.4045% | 4,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2716% | 2,511 |
| Loan loss allowance to noncurrent loans | 30.4708% | 4,930 |
| Noncurrent assets plus other real estate owned to assets | 4.4036% | 141 |
| Noncurrent loans to loans | 4.1732% | 228 |
| Net loans and leases to total assets | 80.1177% | 971 |
| Net loans and leases to deposits | 100.8582% | 685 |
| Net loans and leases to core deposits | 121.0915% | 552 |
| Total domestic deposits to total assets | 79.4360% | 4,452 |
| Equity capital to assets | 16.3098% | 499 |
| Core capital (leverage) ratio | 14.6787% | 726 |
| Tier 1 risk-based capital ratio | 21.5596% | 1,106 |
| Total risk-based capital ratio | 22.8130% | 1,086 |
| Memoranda: |
| Average total assets | $518,238,750 | 1,365 |
| Average earning assets | $465,368,000 | 1,408 |
| Average equity | $79,834,750 | 1,014 |
| Average total loans | $416,122,250 | 1,203 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 10.4247% | 19 |
| Cost of funding earning assets | 0.8734% | 361 |
| Net interest margin | 9.5513% | 19 |
| Noninterest income to average assets | 1.4299% | 527 |
| Noninterest expense to average assets | 2.9979% | 2,115 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 4.5035% | 49 |
| Return on assets (ROA) | 4.5035% | 49 |
| Pretax return on assets | 7.0158% | 33 |
| Return on Equity (ROE) | 29.8164% | 37 |
| Retained earnings to average equity (ytd only) | 29.8164% | 19 |
| Net charge-offs to loans | 0.1827% | 1,089 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 47.9894% | 1,104 |
| Efficiency ratio | 29.6687% | 5,741 |
| Assets per employee ($millions) | 3.5896% | 4,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2381% | 2,768 |
| Loan loss allowance to noncurrent loans | 29.2282% | 4,984 |
| Noncurrent assets plus other real estate owned to assets | 4.6284% | 125 |
| Noncurrent loans to loans | 4.2359% | 211 |
| Net loans and leases to total assets | 82.1185% | 650 |
| Net loans and leases to deposits | 102.4862% | 577 |
| Net loans and leases to core deposits | 122.0961% | 486 |
| Total domestic deposits to total assets | 80.1264% | 4,381 |
| Equity capital to assets | 15.3730% | 638 |
| Core capital (leverage) ratio | 14.1927% | 804 |
| Tier 1 risk-based capital ratio | 20.1695% | 1,334 |
| Total risk-based capital ratio | 21.4227% | 1,306 |
| Memoranda: |
| Average total assets | $518,489,670 | 1,371 |
| Average earning assets | $465,968,670 | 1,411 |
| Average equity | $78,312,670 | 1,029 |
| Average total loans | $414,850,330 | 1,208 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 12.2433% | 13 |
| Cost of funding earning assets | 0.8876% | 302 |
| Net interest margin | 11.3556% | 13 |
| Noninterest income to average assets | 1.6711% | 405 |
| Noninterest expense to average assets | 3.2208% | 1,549 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 5.5512% | 35 |
| Return on assets (ROA) | 5.5512% | 35 |
| Pretax return on assets | 8.6685% | 31 |
| Return on Equity (ROE) | 37.0992% | 25 |
| Retained earnings to average equity (ytd only) | 37.0992% | 15 |
| Net charge-offs to loans | 0.2581% | 703 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 42.8643% | 985 |
| Efficiency ratio | 26.8592% | 5,815 |
| Assets per employee ($millions) | 3.7353% | 4,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4238% | 1,975 |
| Loan loss allowance to noncurrent loans | 34.6362% | 4,959 |
| Noncurrent assets plus other real estate owned to assets | 4.1420% | 177 |
| Noncurrent loans to loans | 4.1109% | 246 |
| Net loans and leases to total assets | 73.9677% | 1,750 |
| Net loans and leases to deposits | 92.2929% | 1,297 |
| Net loans and leases to core deposits | 110.7038% | 848 |
| Total domestic deposits to total assets | 80.1446% | 4,589 |
| Equity capital to assets | 14.8953% | 677 |
| Core capital (leverage) ratio | 14.8802% | 629 |
| Tier 1 risk-based capital ratio | 20.2238% | 1,343 |
| Total risk-based capital ratio | 21.4790% | 1,315 |
| Memoranda: |
| Average total assets | $510,307,500 | 1,390 |
| Average earning assets | $459,191,000 | 1,433 |
| Average equity | $76,357,500 | 1,059 |
| Average total loans | $399,915,500 | 1,243 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.6600% | 33 |
| Cost of funding earning assets | 0.7324% | 690 |
| Net interest margin | 7.9276% | 31 |
| Noninterest income to average assets | 1.8589% | 376 |
| Noninterest expense to average assets | 2.8038% | 3,009 |
| Loan and lease loss provision to assets | 0.3216% | 565 |
| Net operating income to assets | 3.8155% | 54 |
| Return on assets (ROA) | 3.8201% | 54 |
| Pretax return on assets | 5.8089% | 41 |
| Return on Equity (ROE) | 22.1559% | 141 |
| Retained earnings to average equity (ytd only) | 21.8759% | 37 |
| Net charge-offs to loans | 0.2134% | 1,305 |
| Credit loss provision to net charge-offs | 182.9670% | 1,534 |
| Earnings coverage of net charge-offs (x) | 34.8420% | 1,304 |
| Efficiency ratio | 31.0338% | 5,865 |
| Assets per employee ($millions) | 3.1065% | 5,257 |
| Cash dividends to net income (ytd only)* | 1.2639% | 4,179 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4544% | 1,855 |
| Loan loss allowance to noncurrent loans | 38.3663% | 4,930 |
| Noncurrent assets plus other real estate owned to assets | 4.7342% | 140 |
| Noncurrent loans to loans | 3.7908% | 294 |
| Net loans and leases to total assets | 80.7284% | 781 |
| Net loans and leases to deposits | 100.8223% | 618 |
| Net loans and leases to core deposits | 145.5024% | 142 |
| Total domestic deposits to total assets | 80.0700% | 4,562 |
| Equity capital to assets | 15.0353% | 639 |
| Core capital (leverage) ratio | 13.3964% | 1,006 |
| Tier 1 risk-based capital ratio | 18.7902% | 1,661 |
| Total risk-based capital ratio | 20.0456% | 1,623 |
| Memoranda: |
| Average total assets | $414,227,200 | 1,629 |
| Average earning assets | $369,328,800 | 1,691 |
| Average equity | $71,421,000 | 1,104 |
| Average total loans | $341,140,200 | 1,372 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.5961% | 31 |
| Cost of funding earning assets | 0.7061% | 792 |
| Net interest margin | 7.8901% | 32 |
| Noninterest income to average assets | 1.9771% | 353 |
| Noninterest expense to average assets | 2.6933% | 3,369 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 4.0404% | 51 |
| Return on assets (ROA) | 4.0486% | 51 |
| Pretax return on assets | 6.3361% | 39 |
| Return on Equity (ROE) | 22.5762% | 142 |
| Retained earnings to average equity (ytd only) | 11.0533% | 422 |
| Net charge-offs to loans | 0.2353% | 1,000 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 32.5786% | 1,415 |
| Efficiency ratio | 29.5406% | 5,935 |
| Assets per employee ($millions) | 3.9194% | 4,096 |
| Cash dividends to net income (ytd only)* | 51.0399% | 1,829 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3258% | 2,545 |
| Loan loss allowance to noncurrent loans | 35.2136% | 5,080 |
| Noncurrent assets plus other real estate owned to assets | 4.5760% | 164 |
| Noncurrent loans to loans | 3.7652% | 321 |
| Net loans and leases to total assets | 80.5216% | 815 |
| Net loans and leases to deposits | 104.0153% | 455 |
| Net loans and leases to core deposits | 143.2226% | 171 |
| Total domestic deposits to total assets | 77.4133% | 5,011 |
| Equity capital to assets | 16.9846% | 436 |
| Core capital (leverage) ratio | 17.0738% | 362 |
| Tier 1 risk-based capital ratio | 21.9512% | 1,146 |
| Total risk-based capital ratio | 23.2052% | 1,122 |
| Memoranda: |
| Average total assets | $394,299,500 | 1,710 |
| Average earning assets | $351,792,500 | 1,767 |
| Average equity | $70,710,000 | 1,116 |
| Average total loans | $325,267,000 | 1,430 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.9479% | 28 |
| Cost of funding earning assets | 0.7179% | 729 |
| Net interest margin | 8.2300% | 29 |
| Noninterest income to average assets | 1.8801% | 377 |
| Noninterest expense to average assets | 2.7159% | 3,336 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 4.1433% | 49 |
| Return on assets (ROA) | 4.1433% | 49 |
| Pretax return on assets | 6.4873% | 39 |
| Return on Equity (ROE) | 22.6477% | 138 |
| Retained earnings to average equity (ytd only) | 5.3841% | 2,495 |
| Net charge-offs to loans | 0.2981% | 804 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 26.2745% | 1,492 |
| Efficiency ratio | 29.1113% | 6,017 |
| Assets per employee ($millions) | 3.6458% | 4,521 |
| Cash dividends to net income (ytd only)* | 76.2267% | 989 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5365% | 1,733 |
| Loan loss allowance to noncurrent loans | 50.3190% | 4,799 |
| Noncurrent assets plus other real estate owned to assets | 4.3237% | 188 |
| Noncurrent loans to loans | 3.0535% | 485 |
| Net loans and leases to total assets | 79.7782% | 944 |
| Net loans and leases to deposits | 104.9091% | 410 |
| Net loans and leases to core deposits | 114.6946% | 697 |
| Total domestic deposits to total assets | 76.0451% | 5,279 |
| Equity capital to assets | 18.1053% | 331 |
| Core capital (leverage) ratio | 16.3356% | 427 |
| Tier 1 risk-based capital ratio | 22.7505% | 1,047 |
| Total risk-based capital ratio | 24.0067% | 1,027 |
| Memoranda: |
| Average total assets | $380,715,330 | 1,759 |
| Average earning assets | $338,760,670 | 1,837 |
| Average equity | $69,649,330 | 1,135 |
| Average total loans | $315,350,000 | 1,469 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.7254% | 43 |
| Cost of funding earning assets | 0.7047% | 793 |
| Net interest margin | 7.0207% | 39 |
| Noninterest income to average assets | 1.3873% | 575 |
| Noninterest expense to average assets | 2.5016% | 4,064 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 3.2878% | 77 |
| Return on assets (ROA) | 3.2878% | 76 |
| Pretax return on assets | 5.1376% | 54 |
| Return on Equity (ROE) | 17.8456% | 368 |
| Retained earnings to average equity (ytd only) | 17.8456% | 131 |
| Net charge-offs to loans | 0.2300% | 885 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 26.6758% | 1,265 |
| Efficiency ratio | 32.2621% | 6,058 |
| Assets per employee ($millions) | 3.6385% | 4,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5879% | 1,642 |
| Loan loss allowance to noncurrent loans | 35.5356% | 5,179 |
| Noncurrent assets plus other real estate owned to assets | 5.6653% | 134 |
| Noncurrent loans to loans | 4.4686% | 242 |
| Net loans and leases to total assets | 82.7146% | 478 |
| Net loans and leases to deposits | 109.8666% | 236 |
| Net loans and leases to core deposits | 115.3719% | 616 |
| Total domestic deposits to total assets | 75.2864% | 5,490 |
| Equity capital to assets | 18.6368% | 282 |
| Core capital (leverage) ratio | 16.9506% | 376 |
| Tier 1 risk-based capital ratio | 23.0844% | 1,004 |
| Total risk-based capital ratio | 24.3423% | 988 |
| Memoranda: |
| Average total assets | $377,998,000 | 1,769 |
| Average earning assets | $336,606,000 | 1,846 |
| Average equity | $69,642,000 | 1,130 |
| Average total loans | $316,466,000 | 1,460 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.5147% | 23 |
| Cost of funding earning assets | 0.7177% | 752 |
| Net interest margin | 8.7970% | 23 |
| Noninterest income to average assets | 1.4207% | 597 |
| Noninterest expense to average assets | 3.0843% | 2,283 |
| Loan and lease loss provision to assets | 0.2676% | 692 |
| Net operating income to assets | 3.8204% | 62 |
| Return on assets (ROA) | 3.8425% | 63 |
| Pretax return on assets | 5.9362% | 45 |
| Return on Equity (ROE) | 23.0993% | 132 |
| Retained earnings to average equity (ytd only) | 23.0993% | 50 |
| Net charge-offs to loans | 0.5042% | 517 |
| Credit loss provision to net charge-offs | 67.6431% | 3,165 |
| Earnings coverage of net charge-offs (x) | 15.5933% | 2,192 |
| Efficiency ratio | 31.5460% | 6,128 |
| Assets per employee ($millions) | 3.7773% | 4,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6936% | 1,363 |
| Loan loss allowance to noncurrent loans | 37.3031% | 5,168 |
| Noncurrent assets plus other real estate owned to assets | 5.8304% | 144 |
| Noncurrent loans to loans | 4.5400% | 233 |
| Net loans and leases to total assets | 81.9746% | 599 |
| Net loans and leases to deposits | 108.2957% | 289 |
| Net loans and leases to core deposits | 113.6273% | 699 |
| Total domestic deposits to total assets | 75.6952% | 5,481 |
| Equity capital to assets | 18.2064% | 299 |
| Core capital (leverage) ratio | 16.2889% | 432 |
| Tier 1 risk-based capital ratio | 22.8199% | 1,037 |
| Total risk-based capital ratio | 24.0793% | 1,021 |
| Memoranda: |
| Average total assets | $371,013,000 | 1,767 |
| Average earning assets | $330,373,400 | 1,836 |
| Average equity | $61,716,200 | 1,220 |
| Average total loans | $291,132,000 | 1,498 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.4323% | 24 |
| Cost of funding earning assets | 0.7196% | 755 |
| Net interest margin | 8.7128% | 25 |
| Noninterest income to average assets | 1.4428% | 595 |
| Noninterest expense to average assets | 3.0754% | 2,281 |
| Loan and lease loss provision to assets | 0.1231% | 1,848 |
| Net operating income to assets | 3.8842% | 56 |
| Return on assets (ROA) | 3.9123% | 55 |
| Pretax return on assets | 6.0483% | 41 |
| Return on Equity (ROE) | 24.0938% | 130 |
| Retained earnings to average equity (ytd only) | 24.0938% | 48 |
| Net charge-offs to loans | 0.2830% | 942 |
| Credit loss provision to net charge-offs | 56.3427% | 2,956 |
| Earnings coverage of net charge-offs (x) | 28.0380% | 1,559 |
| Efficiency ratio | 31.6197% | 6,215 |
| Assets per employee ($millions) | 3.7150% | 4,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8768% | 1,125 |
| Loan loss allowance to noncurrent loans | 43.9949% | 5,115 |
| Noncurrent assets plus other real estate owned to assets | 5.1643% | 185 |
| Noncurrent loans to loans | 4.2660% | 276 |
| Net loans and leases to total assets | 75.7608% | 1,419 |
| Net loans and leases to deposits | 99.4192% | 700 |
| Net loans and leases to core deposits | 103.9682% | 1,230 |
| Total domestic deposits to total assets | 76.2033% | 5,459 |
| Equity capital to assets | 17.1975% | 415 |
| Core capital (leverage) ratio | 15.5340% | 550 |
| Tier 1 risk-based capital ratio | 22.5217% | 1,119 |
| Total risk-based capital ratio | 23.7840% | 1,098 |
| Memoranda: |
| Average total assets | $370,278,500 | 1,784 |
| Average earning assets | $329,822,250 | 1,848 |
| Average equity | $60,124,500 | 1,271 |
| Average total loans | $285,958,500 | 1,530 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.8193% | 21 |
| Cost of funding earning assets | 0.7214% | 755 |
| Net interest margin | 9.0979% | 21 |
| Noninterest income to average assets | 1.4589% | 597 |
| Noninterest expense to average assets | 3.0561% | 2,380 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 4.2309% | 58 |
| Return on assets (ROA) | 4.2733% | 59 |
| Pretax return on assets | 6.5619% | 43 |
| Return on Equity (ROE) | 26.8633% | 90 |
| Retained earnings to average equity (ytd only) | 26.8633% | 38 |
| Net charge-offs to loans | 0.1783% | 1,388 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 47.1700% | 999 |
| Efficiency ratio | 30.2143% | 6,297 |
| Assets per employee ($millions) | 3.9080% | 4,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8593% | 1,248 |
| Loan loss allowance to noncurrent loans | 25.5229% | 5,590 |
| Noncurrent assets plus other real estate owned to assets | 7.9137% | 96 |
| Noncurrent loans to loans | 7.2848% | 111 |
| Net loans and leases to total assets | 76.6252% | 1,286 |
| Net loans and leases to deposits | 98.4571% | 755 |
| Net loans and leases to core deposits | 105.5855% | 1,096 |
| Total domestic deposits to total assets | 77.8260% | 5,311 |
| Equity capital to assets | 16.4021% | 475 |
| Core capital (leverage) ratio | 14.6772% | 673 |
| Tier 1 risk-based capital ratio | 21.1022% | 1,336 |
| Total risk-based capital ratio | 22.3643% | 1,312 |
| Memoranda: |
| Average total assets | $367,395,670 | 1,805 |
| Average earning assets | $326,846,000 | 1,882 |
| Average equity | $58,444,000 | 1,300 |
| Average total loans | $283,755,000 | 1,539 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 10.3921% | 17 |
| Cost of funding earning assets | 0.7245% | 758 |
| Net interest margin | 9.6676% | 18 |
| Noninterest income to average assets | 1.7192% | 441 |
| Noninterest expense to average assets | 2.9982% | 2,588 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 4.7583% | 49 |
| Return on assets (ROA) | 4.7583% | 51 |
| Pretax return on assets | 7.3129% | 41 |
| Return on Equity (ROE) | 30.4078% | 55 |
| Retained earnings to average equity (ytd only) | 30.4078% | 24 |
| Net charge-offs to loans | 0.1844% | 1,189 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 51.6406% | 819 |
| Efficiency ratio | 27.4034% | 6,380 |
| Assets per employee ($millions) | 3.8790% | 4,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0506% | 990 |
| Loan loss allowance to noncurrent loans | 53.0393% | 4,933 |
| Noncurrent assets plus other real estate owned to assets | 5.0482% | 241 |
| Noncurrent loans to loans | 3.8663% | 460 |
| Net loans and leases to total assets | 72.9494% | 1,663 |
| Net loans and leases to deposits | 93.3828% | 1,047 |
| Net loans and leases to core deposits | 99.7625% | 1,336 |
| Total domestic deposits to total assets | 78.1187% | 5,422 |
| Equity capital to assets | 15.9346% | 550 |
| Core capital (leverage) ratio | 14.0811% | 798 |
| Tier 1 risk-based capital ratio | 20.1539% | 1,583 |
| Total risk-based capital ratio | 21.4163% | 1,549 |
| Memoranda: |
| Average total assets | $361,554,000 | 1,835 |
| Average earning assets | $321,321,000 | 1,915 |
| Average equity | $56,577,500 | 1,344 |
| Average total loans | $277,646,000 | 1,568 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.1272% | 27 |
| Cost of funding earning assets | 0.7360% | 917 |
| Net interest margin | 8.3912% | 30 |
| Noninterest income to average assets | 0.9380% | 1,386 |
| Noninterest expense to average assets | 3.2504% | 2,076 |
| Loan and lease loss provision to assets | 0.5913% | 239 |
| Net operating income to assets | 3.0306% | 89 |
| Return on assets (ROA) | 3.0306% | 89 |
| Pretax return on assets | 4.5827% | 64 |
| Return on Equity (ROE) | 20.0916% | 248 |
| Retained earnings to average equity (ytd only) | 17.0962% | 102 |
| Net charge-offs to loans | 0.3623% | 1,202 |
| Credit loss provision to net charge-offs | 204.6924% | 1,208 |
| Earnings coverage of net charge-offs (x) | 17.9114% | 1,879 |
| Efficiency ratio | 36.3558% | 6,438 |
| Assets per employee ($millions) | 4.0759% | 3,771 |
| Cash dividends to net income (ytd only)* | 14.9091% | 3,983 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0496% | 1,024 |
| Loan loss allowance to noncurrent loans | 73.7949% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 3.8612% | 448 |
| Noncurrent loans to loans | 2.7774% | 858 |
| Net loans and leases to total assets | 77.5757% | 1,063 |
| Net loans and leases to deposits | 98.8689% | 692 |
| Net loans and leases to core deposits | 106.2112% | 1,007 |
| Total domestic deposits to total assets | 78.4632% | 5,355 |
| Equity capital to assets | 15.3510% | 642 |
| Core capital (leverage) ratio | 13.1735% | 1,073 |
| Tier 1 risk-based capital ratio | 18.5488% | 1,977 |
| Total risk-based capital ratio | 19.8129% | 1,941 |
| Memoranda: |
| Average total assets | $331,985,600 | 1,953 |
| Average earning assets | $296,191,000 | 2,023 |
| Average equity | $50,075,600 | 1,440 |
| Average total loans | $264,679,800 | 1,602 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.5637% | 36 |
| Cost of funding earning assets | 0.7294% | 995 |
| Net interest margin | 7.8343% | 39 |
| Noninterest income to average assets | 0.8588% | 1,666 |
| Noninterest expense to average assets | 3.2866% | 1,933 |
| Loan and lease loss provision to assets | 0.7121% | 180 |
| Net operating income to assets | 2.5899% | 127 |
| Return on assets (ROA) | 2.5899% | 130 |
| Pretax return on assets | 3.8508% | 74 |
| Return on Equity (ROE) | 17.2536% | 523 |
| Retained earnings to average equity (ytd only) | 17.2536% | 133 |
| Net charge-offs to loans | 0.3479% | 1,155 |
| Credit loss provision to net charge-offs | 256.3235% | 1,032 |
| Earnings coverage of net charge-offs (x) | 16.4236% | 1,974 |
| Efficiency ratio | 39.4389% | 6,461 |
| Assets per employee ($millions) | 3.9483% | 3,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1881% | 963 |
| Loan loss allowance to noncurrent loans | 55.0559% | 4,955 |
| Noncurrent assets plus other real estate owned to assets | 4.8319% | 365 |
| Noncurrent loans to loans | 3.9744% | 539 |
| Net loans and leases to total assets | 77.4533% | 1,032 |
| Net loans and leases to deposits | 97.5846% | 761 |
| Net loans and leases to core deposits | 104.9555% | 1,033 |
| Total domestic deposits to total assets | 79.3704% | 5,249 |
| Equity capital to assets | 15.5772% | 620 |
| Core capital (leverage) ratio | 13.1253% | 1,129 |
| Tier 1 risk-based capital ratio | 18.5843% | 2,023 |
| Total risk-based capital ratio | 19.8504% | 1,985 |
| Memoranda: |
| Average total assets | $326,331,500 | 2,003 |
| Average earning assets | $291,192,250 | 2,074 |
| Average equity | $48,985,750 | 1,471 |
| Average total loans | $260,639,500 | 1,631 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.9944% | 44 |
| Cost of funding earning assets | 0.7214% | 1,077 |
| Net interest margin | 7.2730% | 43 |
| Noninterest income to average assets | 1.0271% | 1,129 |
| Noninterest expense to average assets | 3.1364% | 2,369 |
| Loan and lease loss provision to assets | 0.6713% | 201 |
| Net operating income to assets | 2.5015% | 139 |
| Return on assets (ROA) | 2.5015% | 143 |
| Pretax return on assets | 3.7260% | 78 |
| Return on Equity (ROE) | 16.8851% | 568 |
| Retained earnings to average equity (ytd only) | 16.8851% | 148 |
| Net charge-offs to loans | 0.5090% | 797 |
| Credit loss provision to net charge-offs | 164.6434% | 1,368 |
| Earnings coverage of net charge-offs (x) | 10.7845% | 2,215 |
| Efficiency ratio | 39.0687% | 6,539 |
| Assets per employee ($millions) | 3.9869% | 3,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9911% | 1,375 |
| Loan loss allowance to noncurrent loans | 36.3649% | 5,605 |
| Noncurrent assets plus other real estate owned to assets | 5.8093% | 271 |
| Noncurrent loans to loans | 5.4753% | 330 |
| Net loans and leases to total assets | 76.1081% | 1,145 |
| Net loans and leases to deposits | 95.1926% | 867 |
| Net loans and leases to core deposits | 100.5031% | 1,239 |
| Total domestic deposits to total assets | 79.9517% | 5,246 |
| Equity capital to assets | 14.9327% | 715 |
| Core capital (leverage) ratio | 12.3321% | 1,483 |
| Tier 1 risk-based capital ratio | 17.7431% | 2,331 |
| Total risk-based capital ratio | 18.9959% | 2,301 |
| Memoranda: |
| Average total assets | $323,240,330 | 2,017 |
| Average earning assets | $289,177,330 | 2,080 |
| Average equity | $47,888,330 | 1,500 |
| Average total loans | $258,935,330 | 1,637 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.6277% | 48 |
| Cost of funding earning assets | 0.6969% | 1,264 |
| Net interest margin | 6.9308% | 48 |
| Noninterest income to average assets | 0.8998% | 1,395 |
| Noninterest expense to average assets | 2.8644% | 3,327 |
| Loan and lease loss provision to assets | 0.5356% | 264 |
| Net operating income to assets | 2.4788% | 149 |
| Return on assets (ROA) | 2.4788% | 158 |
| Pretax return on assets | 3.7415% | 94 |
| Return on Equity (ROE) | 16.8019% | 553 |
| Retained earnings to average equity (ytd only) | 16.8019% | 229 |
| Net charge-offs to loans | 0.5295% | 698 |
| Credit loss provision to net charge-offs | 124.2690% | 1,424 |
| Earnings coverage of net charge-offs (x) | 9.9240% | 1,902 |
| Efficiency ratio | 37.3566% | 6,628 |
| Assets per employee ($millions) | 4.1227% | 3,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8421% | 1,923 |
| Loan loss allowance to noncurrent loans | 38.7731% | 5,610 |
| Noncurrent assets plus other real estate owned to assets | 3.9850% | 599 |
| Noncurrent loans to loans | 4.7509% | 485 |
| Net loans and leases to total assets | 78.1184% | 762 |
| Net loans and leases to deposits | 97.4146% | 578 |
| Net loans and leases to core deposits | 104.5875% | 822 |
| Total domestic deposits to total assets | 80.1917% | 5,453 |
| Equity capital to assets | 14.5331% | 783 |
| Core capital (leverage) ratio | 12.3818% | 1,437 |
| Tier 1 risk-based capital ratio | 17.1486% | 2,621 |
| Total risk-based capital ratio | 18.4102% | 2,571 |
| Memoranda: |
| Average total assets | $317,412,500 | 2,062 |
| Average earning assets | $285,853,000 | 2,106 |
| Average equity | $46,828,000 | 1,531 |
| Average total loans | $258,372,500 | 1,646 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 10.4299% | 23 |
| Cost of funding earning assets | 0.8252% | 1,063 |
| Net interest margin | 9.6047% | 23 |
| Noninterest income to average assets | 1.7934% | 465 |
| Noninterest expense to average assets | 2.7464% | 3,923 |
| Loan and lease loss provision to assets | 2.1624% | 42 |
| Net operating income to assets | 3.5951% | 76 |
| Return on assets (ROA) | 3.5659% | 77 |
| Pretax return on assets | 5.4250% | 49 |
| Return on Equity (ROE) | 23.8458% | 151 |
| Retained earnings to average equity (ytd only) | 23.8458% | 55 |
| Net charge-offs to loans | 2.2603% | 143 |
| Credit loss provision to net charge-offs | 118.7639% | 2,016 |
| Earnings coverage of net charge-offs (x) | 4.1915% | 3,642 |
| Efficiency ratio | 24.5832% | 6,782 |
| Assets per employee ($millions) | 3.8127% | 4,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8693% | 1,855 |
| Loan loss allowance to noncurrent loans | 58.0555% | 4,940 |
| Noncurrent assets plus other real estate owned to assets | 2.9635% | 1,074 |
| Noncurrent loans to loans | 3.2199% | 1,040 |
| Net loans and leases to total assets | 81.8041% | 429 |
| Net loans and leases to deposits | 102.7737% | 368 |
| Net loans and leases to core deposits | 110.5958% | 588 |
| Total domestic deposits to total assets | 79.5963% | 5,533 |
| Equity capital to assets | 14.9908% | 672 |
| Core capital (leverage) ratio | 12.1537% | 1,518 |
| Tier 1 risk-based capital ratio | 16.8802% | 2,667 |
| Total risk-based capital ratio | 18.1424% | 2,624 |
| Memoranda: |
| Average total assets | $271,042,400 | 2,337 |
| Average earning assets | $242,256,400 | 2,406 |
| Average equity | $40,531,200 | 1,723 |
| Average total loans | $218,336,200 | 1,877 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 11.2228% | 18 |
| Cost of funding earning assets | 0.8557% | 1,019 |
| Net interest margin | 10.3671% | 18 |
| Noninterest income to average assets | 1.9821% | 425 |
| Noninterest expense to average assets | 2.7331% | 3,892 |
| Loan and lease loss provision to assets | 2.7093% | 21 |
| Net operating income to assets | 3.8483% | 66 |
| Return on assets (ROA) | 3.8483% | 66 |
| Pretax return on assets | 5.7933% | 48 |
| Return on Equity (ROE) | 25.7532% | 109 |
| Retained earnings to average equity (ytd only) | 25.7532% | 42 |
| Net charge-offs to loans | 2.8226% | 86 |
| Credit loss provision to net charge-offs | 120.3745% | 1,957 |
| Earnings coverage of net charge-offs (x) | 3.7777% | 3,613 |
| Efficiency ratio | 22.6531% | 6,863 |
| Assets per employee ($millions) | 3.9218% | 4,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1069% | 1,489 |
| Loan loss allowance to noncurrent loans | 71.5215% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 2.6835% | 1,407 |
| Noncurrent loans to loans | 2.9458% | 1,382 |
| Net loans and leases to total assets | 80.0381% | 543 |
| Net loans and leases to deposits | 107.4113% | 207 |
| Net loans and leases to core deposits | 117.1147% | 372 |
| Total domestic deposits to total assets | 74.5155% | 6,331 |
| Equity capital to assets | 15.8352% | 577 |
| Core capital (leverage) ratio | 13.4578% | 1,040 |
| Tier 1 risk-based capital ratio | 17.8744% | 2,364 |
| Total risk-based capital ratio | 19.1394% | 2,325 |
| Memoranda: |
| Average total assets | $262,549,750 | 2,432 |
| Average earning assets | $234,350,250 | 2,493 |
| Average equity | $39,233,000 | 1,798 |
| Average total loans | $209,353,750 | 1,942 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.9567% | 32 |
| Cost of funding earning assets | 0.8808% | 982 |
| Net interest margin | 8.0759% | 34 |
| Noninterest income to average assets | 2.4057% | 338 |
| Noninterest expense to average assets | 2.6555% | 4,204 |
| Loan and lease loss provision to assets | 2.5124% | 35 |
| Net operating income to assets | 2.9239% | 118 |
| Return on assets (ROA) | 2.9239% | 124 |
| Pretax return on assets | 4.4439% | 69 |
| Return on Equity (ROE) | 19.9894% | 300 |
| Retained earnings to average equity (ytd only) | 19.9894% | 89 |
| Net charge-offs to loans | 2.2543% | 179 |
| Credit loss provision to net charge-offs | 141.0334% | 1,606 |
| Earnings coverage of net charge-offs (x) | 3.9049% | 3,271 |
| Efficiency ratio | 25.6398% | 6,904 |
| Assets per employee ($millions) | 3.9244% | 3,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3142% | 1,234 |
| Loan loss allowance to noncurrent loans | 88.4665% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 2.1679% | 1,993 |
| Noncurrent loans to loans | 2.6159% | 1,752 |
| Net loans and leases to total assets | 76.5948% | 913 |
| Net loans and leases to deposits | 98.2649% | 525 |
| Net loans and leases to core deposits | 107.1165% | 683 |
| Total domestic deposits to total assets | 77.9472% | 5,990 |
| Equity capital to assets | 15.1019% | 695 |
| Core capital (leverage) ratio | 11.9049% | 1,667 |
| Tier 1 risk-based capital ratio | 17.4843% | 2,519 |
| Total risk-based capital ratio | 18.7527% | 2,484 |
| Memoranda: |
| Average total assets | $258,557,000 | 2,472 |
| Average earning assets | $230,710,330 | 2,531 |
| Average equity | $37,820,000 | 1,857 |
| Average total loans | $204,319,670 | 1,979 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.7613% | 49 |
| Cost of funding earning assets | 0.8988% | 993 |
| Net interest margin | 6.8626% | 49 |
| Noninterest income to average assets | 4.3578% | 175 |
| Noninterest expense to average assets | 2.4668% | 4,879 |
| Loan and lease loss provision to assets | 4.7775% | 12 |
| Net operating income to assets | 2.1719% | 254 |
| Return on assets (ROA) | 2.1719% | 279 |
| Pretax return on assets | 3.2250% | 131 |
| Return on Equity (ROE) | 15.0993% | 749 |
| Retained earnings to average equity (ytd only) | 15.0993% | 345 |
| Net charge-offs to loans | 5.2980% | 38 |
| Credit loss provision to net charge-offs | 113.6600% | 1,659 |
| Earnings coverage of net charge-offs (x) | 1.9039% | 3,201 |
| Efficiency ratio | 21.7139% | 6,991 |
| Assets per employee ($millions) | 4.0988% | 3,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0352% | 1,955 |
| Loan loss allowance to noncurrent loans | 140.4084% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 1.2973% | 3,373 |
| Noncurrent loans to loans | 1.4495% | 3,390 |
| Net loans and leases to total assets | 76.9594% | 727 |
| Net loans and leases to deposits | 99.7663% | 363 |
| Net loans and leases to core deposits | 109.5226% | 509 |
| Total domestic deposits to total assets | 77.1397% | 6,238 |
| Equity capital to assets | 14.3048% | 936 |
| Core capital (leverage) ratio | 11.4485% | 1,909 |
| Tier 1 risk-based capital ratio | 16.0207% | 3,256 |
| Total risk-based capital ratio | 17.2851% | 3,205 |
| Memoranda: |
| Average total assets | $256,369,000 | 2,525 |
| Average earning assets | $228,311,500 | 2,583 |
| Average equity | $36,876,000 | 1,923 |
| Average total loans | $203,397,500 | 2,000 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.7641% | 53 |
| Cost of funding earning assets | 1.0605% | 1,074 |
| Net interest margin | 6.7036% | 57 |
| Noninterest income to average assets | 3.1629% | 236 |
| Noninterest expense to average assets | 2.8742% | 3,744 |
| Loan and lease loss provision to assets | 2.8247% | 45 |
| Net operating income to assets | 2.2690% | 222 |
| Return on assets (ROA) | 2.2728% | 240 |
| Pretax return on assets | 3.3311% | 115 |
| Return on Equity (ROE) | 14.5820% | 893 |
| Retained earnings to average equity (ytd only) | 9.9171% | 613 |
| Net charge-offs to loans | 3.2598% | 133 |
| Credit loss provision to net charge-offs | 116.7029% | 2,471 |
| Earnings coverage of net charge-offs (x) | 2.5409% | 4,145 |
| Efficiency ratio | 29.3986% | 7,025 |
| Assets per employee ($millions) | 3.7942% | 4,379 |
| Cash dividends to net income (ytd only)* | 31.9907% | 3,280 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9062% | 2,278 |
| Loan loss allowance to noncurrent loans | 100.8966% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 2.5506% | 1,907 |
| Noncurrent loans to loans | 1.8892% | 2,820 |
| Net loans and leases to total assets | 78.6266% | 605 |
| Net loans and leases to deposits | 102.5591% | 308 |
| Net loans and leases to core deposits | 111.7980% | 479 |
| Total domestic deposits to total assets | 76.6646% | 6,266 |
| Equity capital to assets | 14.4668% | 887 |
| Core capital (leverage) ratio | 11.1531% | 2,122 |
| Tier 1 risk-based capital ratio | 14.8112% | 3,824 |
| Total risk-based capital ratio | 16.0724% | 3,775 |
| Memoranda: |
| Average total assets | $228,305,200 | 2,746 |
| Average earning assets | $199,623,000 | 2,853 |
| Average equity | $35,585,000 | 1,945 |
| Average total loans | $169,519,000 | 2,317 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.7343% | 54 |
| Cost of funding earning assets | 1.0849% | 1,126 |
| Net interest margin | 6.6494% | 61 |
| Noninterest income to average assets | 2.9667% | 250 |
| Noninterest expense to average assets | 2.7225% | 4,283 |
| Loan and lease loss provision to assets | 1.9271% | 135 |
| Net operating income to assets | 2.8333% | 120 |
| Return on assets (ROA) | 2.8386% | 125 |
| Pretax return on assets | 4.1206% | 77 |
| Return on Equity (ROE) | 17.8516% | 519 |
| Retained earnings to average equity (ytd only) | 17.8516% | 125 |
| Net charge-offs to loans | 2.6861% | 227 |
| Credit loss provision to net charge-offs | 98.8336% | 3,036 |
| Earnings coverage of net charge-offs (x) | 3.0976% | 3,785 |
| Efficiency ratio | 28.4817% | 7,126 |
| Assets per employee ($millions) | 3.5624% | 4,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5648% | 3,674 |
| Loan loss allowance to noncurrent loans | 68.3282% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 3.4882% | 1,438 |
| Noncurrent loans to loans | 2.2901% | 2,523 |
| Net loans and leases to total assets | 74.3977% | 1,187 |
| Net loans and leases to deposits | 96.6033% | 623 |
| Net loans and leases to core deposits | 105.3276% | 778 |
| Total domestic deposits to total assets | 77.0137% | 6,229 |
| Equity capital to assets | 15.4918% | 705 |
| Core capital (leverage) ratio | 11.8551% | 1,746 |
| Tier 1 risk-based capital ratio | 16.2731% | 3,120 |
| Total risk-based capital ratio | 17.5287% | 3,086 |
| Memoranda: |
| Average total assets | $222,778,000 | 2,828 |
| Average earning assets | $194,178,500 | 2,943 |
| Average equity | $35,424,500 | 1,967 |
| Average total loans | $161,719,250 | 2,432 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.8436% | 53 |
| Cost of funding earning assets | 1.1049% | 1,200 |
| Net interest margin | 6.7387% | 60 |
| Noninterest income to average assets | 3.4593% | 211 |
| Noninterest expense to average assets | 2.7084% | 4,371 |
| Loan and lease loss provision to assets | 1.7819% | 188 |
| Net operating income to assets | 3.2663% | 87 |
| Return on assets (ROA) | 3.2743% | 88 |
| Pretax return on assets | 4.8518% | 65 |
| Return on Equity (ROE) | 20.3955% | 329 |
| Retained earnings to average equity (ytd only) | 20.3955% | 99 |
| Net charge-offs to loans | 2.6262% | 261 |
| Credit loss provision to net charge-offs | 94.9261% | 2,910 |
| Earnings coverage of net charge-offs (x) | 3.5276% | 3,341 |
| Efficiency ratio | 26.5213% | 7,189 |
| Assets per employee ($millions) | 3.3704% | 5,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6537% | 3,414 |
| Loan loss allowance to noncurrent loans | 94.4032% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 1.9429% | 2,856 |
| Noncurrent loans to loans | 1.7517% | 3,271 |
| Net loans and leases to total assets | 74.8574% | 1,120 |
| Net loans and leases to deposits | 99.6511% | 433 |
| Net loans and leases to core deposits | 109.4261% | 597 |
| Total domestic deposits to total assets | 75.1195% | 6,576 |
| Equity capital to assets | 16.3095% | 533 |
| Core capital (leverage) ratio | 12.3515% | 1,417 |
| Tier 1 risk-based capital ratio | 17.4456% | 2,490 |
| Total risk-based capital ratio | 18.7035% | 2,455 |
| Memoranda: |
| Average total assets | $216,289,330 | 2,912 |
| Average earning assets | $188,433,670 | 3,013 |
| Average equity | $34,723,330 | 1,990 |
| Average total loans | $154,596,000 | 2,542 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7851% | 113 |
| Cost of funding earning assets | 1.1441% | 1,196 |
| Net interest margin | 5.6409% | 151 |
| Noninterest income to average assets | 6.0222% | 115 |
| Noninterest expense to average assets | 2.6284% | 4,714 |
| Loan and lease loss provision to assets | 1.8629% | 165 |
| Net operating income to assets | 4.1499% | 60 |
| Return on assets (ROA) | 4.1499% | 66 |
| Pretax return on assets | 6.4425% | 48 |
| Return on Equity (ROE) | 26.0657% | 160 |
| Retained earnings to average equity (ytd only) | 26.0657% | 82 |
| Net charge-offs to loans | 2.9585% | 247 |
| Credit loss provision to net charge-offs | 91.1846% | 2,524 |
| Earnings coverage of net charge-offs (x) | 4.0652% | 2,671 |
| Efficiency ratio | 21.8771% | 7,271 |
| Assets per employee ($millions) | 3.7182% | 4,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8853% | 2,726 |
| Loan loss allowance to noncurrent loans | 64.1307% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 2.6726% | 2,208 |
| Noncurrent loans to loans | 2.9398% | 2,192 |
| Net loans and leases to total assets | 66.5918% | 2,365 |
| Net loans and leases to deposits | 89.5067% | 1,007 |
| Net loans and leases to core deposits | 99.7208% | 1,006 |
| Total domestic deposits to total assets | 74.3986% | 6,713 |
| Equity capital to assets | 15.9242% | 588 |
| Core capital (leverage) ratio | 12.0852% | 1,539 |
| Tier 1 risk-based capital ratio | 17.0397% | 2,669 |
| Total risk-based capital ratio | 18.2980% | 2,627 |
| Memoranda: |
| Average total assets | $213,210,500 | 2,962 |
| Average earning assets | $185,642,500 | 3,073 |
| Average equity | $33,945,000 | 2,040 |
| Average total loans | $147,235,000 | 2,673 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.9739% | 99 |
| Cost of funding earning assets | 1.3273% | 1,351 |
| Net interest margin | 5.6466% | 139 |
| Noninterest income to average assets | 1.8457% | 428 |
| Noninterest expense to average assets | 2.8746% | 4,067 |
| Loan and lease loss provision to assets | 1.6491% | 421 |
| Net operating income to assets | 1.6752% | 578 |
| Return on assets (ROA) | 1.6752% | 617 |
| Pretax return on assets | 2.1955% | 375 |
| Return on Equity (ROE) | 10.2402% | 1,974 |
| Retained earnings to average equity (ytd only) | 10.2402% | 516 |
| Net charge-offs to loans | 2.1407% | 613 |
| Credit loss provision to net charge-offs | 112.3620% | 2,940 |
| Earnings coverage of net charge-offs (x) | 2.6195% | 3,904 |
| Efficiency ratio | 38.8141% | 7,225 |
| Assets per employee ($millions) | 3.5093% | 4,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9941% | 2,304 |
| Loan loss allowance to noncurrent loans | 193.0186% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 1.3122% | 4,028 |
| Noncurrent loans to loans | 1.0331% | 4,642 |
| Net loans and leases to total assets | 68.9094% | 2,222 |
| Net loans and leases to deposits | 92.6089% | 913 |
| Net loans and leases to core deposits | 103.7976% | 914 |
| Total domestic deposits to total assets | 74.4091% | 6,676 |
| Equity capital to assets | 15.9174% | 589 |
| Core capital (leverage) ratio | 11.5496% | 1,846 |
| Tier 1 risk-based capital ratio | 15.8893% | 3,099 |
| Total risk-based capital ratio | 17.1497% | 3,059 |
| Memoranda: |
| Average total assets | $191,259,000 | 3,171 |
| Average earning assets | $165,071,800 | 3,320 |
| Average equity | $31,288,600 | 2,116 |
| Average total loans | $131,125,200 | 2,968 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6938% | 152 |
| Cost of funding earning assets | 1.3660% | 1,389 |
| Net interest margin | 5.3278% | 235 |
| Noninterest income to average assets | 1.1339% | 1,027 |
| Noninterest expense to average assets | 2.9113% | 3,881 |
| Loan and lease loss provision to assets | 0.5595% | 1,757 |
| Net operating income to assets | 1.7169% | 600 |
| Return on assets (ROA) | 1.7169% | 658 |
| Pretax return on assets | 2.2550% | 393 |
| Return on Equity (ROE) | 10.4171% | 2,064 |
| Retained earnings to average equity (ytd only) | 10.4171% | 744 |
| Net charge-offs to loans | 0.8679% | 1,829 |
| Credit loss provision to net charge-offs | 94.6988% | 3,616 |
| Earnings coverage of net charge-offs (x) | 4.7639% | 2,972 |
| Efficiency ratio | 46.0840% | 7,057 |
| Assets per employee ($millions) | 3.2754% | 5,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8146% | 2,887 |
| Loan loss allowance to noncurrent loans | 60.5739% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 2.8378% | 2,287 |
| Noncurrent loans to loans | 2.9956% | 2,309 |
| Net loans and leases to total assets | 70.3355% | 2,011 |
| Net loans and leases to deposits | 96.9867% | 641 |
| Net loans and leases to core deposits | 110.4454% | 653 |
| Total domestic deposits to total assets | 72.5207% | 6,894 |
| Equity capital to assets | 16.6876% | 517 |
| Core capital (leverage) ratio | 11.9295% | 1,744 |
| Tier 1 risk-based capital ratio | 15.7668% | 3,238 |
| Total risk-based capital ratio | 17.0240% | 3,196 |
| Memoranda: |
| Average total assets | $187,311,250 | 3,243 |
| Average earning assets | $161,439,500 | 3,396 |
| Average equity | $30,871,500 | 2,144 |
| Average total loans | $127,511,500 | 3,052 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7257% | 157 |
| Cost of funding earning assets | 1.4022% | 1,411 |
| Net interest margin | 5.3235% | 234 |
| Noninterest income to average assets | 1.4558% | 603 |
| Noninterest expense to average assets | 2.8910% | 4,062 |
| Loan and lease loss provision to assets | 0.4468% | 2,193 |
| Net operating income to assets | 2.0601% | 315 |
| Return on assets (ROA) | 2.0601% | 323 |
| Pretax return on assets | 2.7108% | 189 |
| Return on Equity (ROE) | 12.5541% | 1,323 |
| Retained earnings to average equity (ytd only) | 12.5541% | 446 |
| Net charge-offs to loans | 0.5151% | 2,555 |
| Credit loss provision to net charge-offs | 129.7806% | 2,350 |
| Earnings coverage of net charge-offs (x) | 9.1724% | 1,955 |
| Efficiency ratio | 43.2471% | 7,265 |
| Assets per employee ($millions) | 3.4641% | 5,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0865% | 2,144 |
| Loan loss allowance to noncurrent loans | 47.5516% | 5,159 |
| Noncurrent assets plus other real estate owned to assets | 3.6656% | 1,785 |
| Noncurrent loans to loans | 4.3880% | 1,536 |
| Net loans and leases to total assets | 65.2931% | 3,188 |
| Net loans and leases to deposits | 90.0126% | 1,270 |
| Net loans and leases to core deposits | 102.9128% | 1,120 |
| Total domestic deposits to total assets | 72.5378% | 6,974 |
| Equity capital to assets | 16.5583% | 535 |
| Core capital (leverage) ratio | 11.5090% | 1,905 |
| Tier 1 risk-based capital ratio | 16.7111% | 2,646 |
| Total risk-based capital ratio | 17.9720% | 2,596 |
| Memoranda: |
| Average total assets | $185,331,330 | 3,293 |
| Average earning assets | $159,894,670 | 3,447 |
| Average equity | $30,412,330 | 2,159 |
| Average total loans | $123,870,000 | 3,148 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.8593% | 129 |
| Cost of funding earning assets | 1.4283% | 1,476 |
| Net interest margin | 5.4310% | 184 |
| Noninterest income to average assets | 1.2368% | 829 |
| Noninterest expense to average assets | 2.8019% | 4,430 |
| Loan and lease loss provision to assets | 0.4400% | 2,005 |
| Net operating income to assets | 1.9460% | 377 |
| Return on assets (ROA) | 1.9460% | 395 |
| Pretax return on assets | 2.6727% | 205 |
| Return on Equity (ROE) | 11.9151% | 1,485 |
| Retained earnings to average equity (ytd only) | 11.9151% | 749 |
| Net charge-offs to loans | 0.3369% | 2,711 |
| Credit loss provision to net charge-offs | 195.1456% | 1,519 |
| Earnings coverage of net charge-offs (x) | 13.8058% | 1,407 |
| Efficiency ratio | 42.6721% | 7,330 |
| Assets per employee ($millions) | 3.7339% | 4,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1536% | 2,071 |
| Loan loss allowance to noncurrent loans | 137.8701% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 1.9143% | 3,423 |
| Noncurrent loans to loans | 1.5621% | 4,131 |
| Net loans and leases to total assets | 64.5857% | 3,336 |
| Net loans and leases to deposits | 88.8924% | 1,367 |
| Net loans and leases to core deposits | 103.8641% | 1,069 |
| Total domestic deposits to total assets | 72.6561% | 7,026 |
| Equity capital to assets | 16.2194% | 536 |
| Core capital (leverage) ratio | 11.2931% | 1,960 |
| Tier 1 risk-based capital ratio | 16.2874% | 2,769 |
| Total risk-based capital ratio | 17.5502% | 2,723 |
| Memoranda: |
| Average total assets | $182,733,500 | 3,359 |
| Average earning assets | $157,391,500 | 3,514 |
| Average equity | $29,844,500 | 2,187 |
| Average total loans | $122,279,000 | 3,212 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1430% | 122 |
| Cost of funding earning assets | 1.6013% | 2,066 |
| Net interest margin | 5.5418% | 160 |
| Noninterest income to average assets | 0.6642% | 3,053 |
| Noninterest expense to average assets | 3.0591% | 3,631 |
| Loan and lease loss provision to assets | 0.7316% | 2,244 |
| Net operating income to assets | 1.1934% | 1,430 |
| Return on assets (ROA) | 1.2597% | 1,339 |
| Pretax return on assets | 1.6697% | 999 |
| Return on Equity (ROE) | 7.5998% | 2,846 |
| Retained earnings to average equity (ytd only) | 7.5998% | 1,118 |
| Net charge-offs to loans | 0.6025% | 3,223 |
| Credit loss provision to net charge-offs | 185.5457% | 1,773 |
| Earnings coverage of net charge-offs (x) | 5.8658% | 2,509 |
| Efficiency ratio | 51.3587% | 7,035 |
| Assets per employee ($millions) | 3.4379% | 5,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1067% | 2,058 |
| Loan loss allowance to noncurrent loans | 162.1827% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 1.8230% | 3,600 |
| Noncurrent loans to loans | 1.2990% | 4,544 |
| Net loans and leases to total assets | 66.4364% | 3,373 |
| Net loans and leases to deposits | 92.2607% | 1,246 |
| Net loans and leases to core deposits | 106.8201% | 1,137 |
| Total domestic deposits to total assets | 72.0094% | 7,078 |
| Equity capital to assets | 16.4501% | 527 |
| Core capital (leverage) ratio | 11.0904% | 2,091 |
| Tier 1 risk-based capital ratio | 15.8148% | 2,834 |
| Total risk-based capital ratio | 17.0766% | 2,792 |
| Memoranda: |
| Average total assets | $171,944,000 | 3,498 |
| Average earning assets | $146,072,800 | 3,705 |
| Average equity | $28,500,600 | 2,282 |
| Average total loans | $112,526,600 | 3,483 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1912% | 117 |
| Cost of funding earning assets | 1.6296% | 2,217 |
| Net interest margin | 5.5616% | 155 |
| Noninterest income to average assets | 0.7292% | 2,646 |
| Noninterest expense to average assets | 3.1124% | 3,286 |
| Loan and lease loss provision to assets | 0.6125% | 2,491 |
| Net operating income to assets | 1.1761% | 1,655 |
| Return on assets (ROA) | 1.2570% | 1,527 |
| Pretax return on assets | 1.8358% | 861 |
| Return on Equity (ROE) | 7.5687% | 3,074 |
| Retained earnings to average equity (ytd only) | 7.5687% | 1,571 |
| Net charge-offs to loans | 0.2538% | 4,423 |
| Credit loss provision to net charge-offs | 372.3810% | 838 |
| Earnings coverage of net charge-offs (x) | 14.1620% | 1,535 |
| Efficiency ratio | 51.6264% | 7,017 |
| Assets per employee ($millions) | 3.2378% | 5,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2104% | 1,786 |
| Loan loss allowance to noncurrent loans | 121.9722% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 2.2821% | 3,101 |
| Noncurrent loans to loans | 1.8122% | 3,931 |
| Net loans and leases to total assets | 64.4747% | 4,023 |
| Net loans and leases to deposits | 88.9232% | 1,867 |
| Net loans and leases to core deposits | 102.0791% | 1,647 |
| Total domestic deposits to total assets | 72.5061% | 7,081 |
| Equity capital to assets | 16.7131% | 554 |
| Core capital (leverage) ratio | 10.8233% | 2,393 |
| Tier 1 risk-based capital ratio | 16.0593% | 2,730 |
| Total risk-based capital ratio | 17.3164% | 2,680 |
| Memoranda: |
| Average total assets | $170,237,250 | 3,575 |
| Average earning assets | $144,246,500 | 3,784 |
| Average equity | $28,273,750 | 2,329 |
| Average total loans | $110,327,000 | 3,601 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1346% | 133 |
| Cost of funding earning assets | 1.6459% | 2,409 |
| Net interest margin | 5.4887% | 176 |
| Noninterest income to average assets | 0.7647% | 2,305 |
| Noninterest expense to average assets | 3.1547% | 3,069 |
| Loan and lease loss provision to assets | 0.6544% | 2,201 |
| Net operating income to assets | 1.0944% | 1,876 |
| Return on assets (ROA) | 1.2187% | 1,575 |
| Pretax return on assets | 1.7771% | 929 |
| Return on Equity (ROE) | 7.3539% | 3,162 |
| Retained earnings to average equity (ytd only) | 7.3539% | 1,691 |
| Net charge-offs to loans | 0.3681% | 3,514 |
| Credit loss provision to net charge-offs | 276.0000% | 1,350 |
| Earnings coverage of net charge-offs (x) | 9.4950% | 2,014 |
| Efficiency ratio | 52.6974% | 7,010 |
| Assets per employee ($millions) | 3.2447% | 5,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0620% | 2,049 |
| Loan loss allowance to noncurrent loans | 148.1859% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 1.7177% | 3,871 |
| Noncurrent loans to loans | 1.3915% | 4,617 |
| Net loans and leases to total assets | 64.2975% | 4,200 |
| Net loans and leases to deposits | 88.6847% | 2,055 |
| Net loans and leases to core deposits | 98.2059% | 2,207 |
| Total domestic deposits to total assets | 72.5012% | 7,139 |
| Equity capital to assets | 16.5476% | 592 |
| Core capital (leverage) ratio | 10.7859% | 2,409 |
| Tier 1 risk-based capital ratio | 15.9956% | 2,674 |
| Total risk-based capital ratio | 17.2574% | 2,628 |
| Memoranda: |
| Average total assets | $168,703,330 | 3,621 |
| Average earning assets | $142,657,670 | 3,850 |
| Average equity | $27,958,000 | 2,338 |
| Average total loans | $108,677,670 | 3,666 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1228% | 136 |
| Cost of funding earning assets | 1.6756% | 2,509 |
| Net interest margin | 5.4472% | 196 |
| Noninterest income to average assets | 0.5315% | 3,800 |
| Noninterest expense to average assets | 3.0981% | 3,270 |
| Loan and lease loss provision to assets | 0.6919% | 1,839 |
| Net operating income to assets | 0.9483% | 2,364 |
| Return on assets (ROA) | 1.2067% | 1,598 |
| Pretax return on assets | 1.6975% | 1,063 |
| Return on Equity (ROE) | 7.2757% | 3,210 |
| Retained earnings to average equity (ytd only) | 7.2757% | 2,022 |
| Net charge-offs to loans | 0.4504% | 2,695 |
| Credit loss provision to net charge-offs | 240.8333% | 1,595 |
| Earnings coverage of net charge-offs (x) | 7.0500% | 2,137 |
| Efficiency ratio | 54.4393% | 6,934 |
| Assets per employee ($millions) | 3.0133% | 6,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9628% | 2,278 |
| Loan loss allowance to noncurrent loans | 174.3902% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 1.9432% | 3,569 |
| Noncurrent loans to loans | 1.1255% | 5,113 |
| Net loans and leases to total assets | 63.4920% | 4,431 |
| Net loans and leases to deposits | 87.7053% | 2,280 |
| Net loans and leases to core deposits | 96.8812% | 2,475 |
| Total domestic deposits to total assets | 72.3925% | 7,228 |
| Equity capital to assets | 16.5914% | 586 |
| Core capital (leverage) ratio | 10.6538% | 2,492 |
| Tier 1 risk-based capital ratio | 15.6851% | 2,788 |
| Total risk-based capital ratio | 16.9447% | 2,730 |
| Memoranda: |
| Average total assets | $167,069,500 | 3,712 |
| Average earning assets | $140,844,000 | 3,943 |
| Average equity | $27,708,500 | 2,392 |
| Average total loans | $106,566,000 | 3,763 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7736% | 402 |
| Cost of funding earning assets | 1.9000% | 3,462 |
| Net interest margin | 4.8735% | 596 |
| Noninterest income to average assets | 0.5363% | 4,129 |
| Noninterest expense to average assets | 3.0550% | 3,923 |
| Loan and lease loss provision to assets | 0.9833% | 2,303 |
| Net operating income to assets | 0.5648% | 3,468 |
| Return on assets (ROA) | 0.8219% | 2,536 |
| Pretax return on assets | 0.9117% | 2,885 |
| Return on Equity (ROE) | 5.1570% | 3,598 |
| Retained earnings to average equity (ytd only) | 5.1570% | 1,735 |
| Net charge-offs to loans | 1.1223% | 2,186 |
| Credit loss provision to net charge-offs | 144.9955% | 3,283 |
| Earnings coverage of net charge-offs (x) | 2.3733% | 3,949 |
| Efficiency ratio | 58.6523% | 6,672 |
| Assets per employee ($millions) | 2.9535% | 6,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9028% | 2,257 |
| Loan loss allowance to noncurrent loans | 77.5510% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 2.3822% | 2,921 |
| Noncurrent loans to loans | 2.4536% | 3,097 |
| Net loans and leases to total assets | 61.5932% | 5,084 |
| Net loans and leases to deposits | 84.4969% | 3,181 |
| Net loans and leases to core deposits | 108.2766% | 3,075 |
| Total domestic deposits to total assets | 72.8940% | 7,166 |
| Equity capital to assets | 16.5785% | 610 |
| Core capital (leverage) ratio | 10.2984% | 2,787 |
| Tier 1 risk-based capital ratio | 15.5559% | 2,693 |
| Total risk-based capital ratio | 16.8148% | 2,637 |
| Memoranda: |
| Average total assets | $163,532,800 | 3,707 |
| Average earning assets | $138,523,600 | 3,936 |
| Average equity | $26,061,600 | 2,525 |
| Average total loans | $98,812,000 | 3,988 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6744% | 533 |
| Cost of funding earning assets | 1.9296% | 3,723 |
| Net interest margin | 4.7449% | 766 |
| Noninterest income to average assets | 0.4857% | 4,618 |
| Noninterest expense to average assets | 3.0907% | 3,681 |
| Loan and lease loss provision to assets | 1.1104% | 1,759 |
| Net operating income to assets | 0.2501% | 4,991 |
| Return on assets (ROA) | 0.6557% | 3,438 |
| Pretax return on assets | 0.8046% | 3,525 |
| Return on Equity (ROE) | 4.1572% | 4,321 |
| Retained earnings to average equity (ytd only) | 4.1572% | 2,959 |
| Net charge-offs to loans | 1.4323% | 1,446 |
| Credit loss provision to net charge-offs | 129.5802% | 3,869 |
| Earnings coverage of net charge-offs (x) | 1.6574% | 4,548 |
| Efficiency ratio | 61.4283% | 6,209 |
| Assets per employee ($millions) | 2.9442% | 6,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7742% | 2,371 |
| Loan loss allowance to noncurrent loans | 134.3609% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 1.5266% | 4,076 |
| Noncurrent loans to loans | 1.3204% | 4,728 |
| Net loans and leases to total assets | 60.0069% | 5,579 |
| Net loans and leases to deposits | 82.0611% | 4,011 |
| Net loans and leases to core deposits | 109.7179% | 3,270 |
| Total domestic deposits to total assets | 73.1247% | 7,071 |
| Equity capital to assets | 16.0715% | 779 |
| Core capital (leverage) ratio | 9.8917% | 3,411 |
| Tier 1 risk-based capital ratio | 15.2555% | 2,927 |
| Total risk-based capital ratio | 16.5125% | 2,869 |
| Memoranda: |
| Average total assets | $163,067,250 | 3,742 |
| Average earning assets | $138,335,000 | 3,959 |
| Average equity | $25,722,000 | 2,572 |
| Average total loans | $97,553,000 | 4,051 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7335% | 512 |
| Cost of funding earning assets | 1.9747% | 3,895 |
| Net interest margin | 4.7588% | 717 |
| Noninterest income to average assets | 0.4481% | 4,864 |
| Noninterest expense to average assets | 3.0259% | 3,983 |
| Loan and lease loss provision to assets | 0.7657% | 2,159 |
| Net operating income to assets | 0.5847% | 3,747 |
| Return on assets (ROA) | 0.5847% | 3,855 |
| Pretax return on assets | 0.6882% | 4,040 |
| Return on Equity (ROE) | 3.7309% | 4,603 |
| Retained earnings to average equity (ytd only) | 3.7309% | 3,216 |
| Net charge-offs to loans | 1.3161% | 1,405 |
| Credit loss provision to net charge-offs | 97.9528% | 4,680 |
| Earnings coverage of net charge-offs (x) | 1.8598% | 4,178 |
| Efficiency ratio | 60.3737% | 6,485 |
| Assets per employee ($millions) | 3.1472% | 5,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4685% | 3,357 |
| Loan loss allowance to noncurrent loans | 51.4226% | 4,937 |
| Noncurrent assets plus other real estate owned to assets | 2.2499% | 2,890 |
| Noncurrent loans to loans | 2.8558% | 2,523 |
| Net loans and leases to total assets | 60.0219% | 5,676 |
| Net loans and leases to deposits | 81.9029% | 4,241 |
| Net loans and leases to core deposits | 109.5623% | 3,425 |
| Total domestic deposits to total assets | 73.2842% | 7,068 |
| Equity capital to assets | 15.8208% | 859 |
| Core capital (leverage) ratio | 9.5093% | 3,870 |
| Tier 1 risk-based capital ratio | 14.9630% | 3,035 |
| Total risk-based capital ratio | 16.2160% | 2,975 |
| Memoranda: |
| Average total assets | $162,464,330 | 3,772 |
| Average earning assets | $137,639,330 | 3,996 |
| Average equity | $25,463,330 | 2,604 |
| Average total loans | $96,496,000 | 4,102 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5666% | 761 |
| Cost of funding earning assets | 2.0274% | 4,000 |
| Net interest margin | 4.5391% | 1,053 |
| Noninterest income to average assets | 0.4028% | 5,190 |
| Noninterest expense to average assets | 2.8788% | 4,235 |
| Loan and lease loss provision to assets | 0.6524% | 1,935 |
| Net operating income to assets | 0.6128% | 3,963 |
| Return on assets (ROA) | 0.6128% | 4,152 |
| Pretax return on assets | 0.7166% | 4,372 |
| Return on Equity (ROE) | 3.9288% | 4,961 |
| Retained earnings to average equity (ytd only) | 3.9288% | 3,705 |
| Net charge-offs to loans | 1.1043% | 1,231 |
| Credit loss provision to net charge-offs | 100.7634% | 3,698 |
| Earnings coverage of net charge-offs (x) | 2.1145% | 3,668 |
| Efficiency ratio | 60.1513% | 6,384 |
| Assets per employee ($millions) | 3.1467% | 5,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4947% | 3,024 |
| Loan loss allowance to noncurrent loans | 106.1737% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 1.1129% | 4,459 |
| Noncurrent loans to loans | 1.4078% | 4,202 |
| Net loans and leases to total assets | 59.5682% | 5,725 |
| Net loans and leases to deposits | 80.6749% | 4,505 |
| Net loans and leases to core deposits | 108.2315% | 3,650 |
| Total domestic deposits to total assets | 73.8373% | 6,916 |
| Equity capital to assets | 15.7023% | 927 |
| Core capital (leverage) ratio | 9.5189% | 3,951 |
| Tier 1 risk-based capital ratio | 14.3993% | 3,365 |
| Total risk-based capital ratio | 15.6522% | 3,288 |
| Memoranda: |
| Average total assets | $161,870,500 | 3,798 |
| Average earning assets | $137,119,000 | 4,013 |
| Average equity | $25,249,500 | 2,623 |
| Average total loans | $94,898,500 | 4,177 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6081% | 2,443 |
| Cost of funding earning assets | 2.4289% | 4,575 |
| Net interest margin | 4.1792% | 2,393 |
| Noninterest income to average assets | 0.5445% | 4,272 |
| Noninterest expense to average assets | 2.8337% | 4,679 |
| Loan and lease loss provision to assets | 0.5927% | 2,453 |
| Net operating income to assets | 0.4669% | 4,880 |
| Return on assets (ROA) | 0.5868% | 4,229 |
| Pretax return on assets | 0.7490% | 4,249 |
| Return on Equity (ROE) | 3.6123% | 4,991 |
| Retained earnings to average equity (ytd only) | 3.6123% | 2,901 |
| Net charge-offs to loans | 0.3274% | 3,217 |
| Credit loss provision to net charge-offs | 365.4618% | 1,210 |
| Earnings coverage of net charge-offs (x) | 7.3253% | 3,142 |
| Efficiency ratio | 59.5789% | 6,423 |
| Assets per employee ($millions) | 3.2023% | 5,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6258% | 2,136 |
| Loan loss allowance to noncurrent loans | 120.4731% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 1.1529% | 3,964 |
| Noncurrent loans to loans | 1.3495% | 3,823 |
| Net loans and leases to total assets | 55.8174% | 6,459 |
| Net loans and leases to deposits | 75.9043% | 5,600 |
| Net loans and leases to core deposits | 97.3965% | 5,112 |
| Total domestic deposits to total assets | 73.5365% | 6,732 |
| Equity capital to assets | 15.4926% | 1,047 |
| Core capital (leverage) ratio | 9.6060% | 3,869 |
| Tier 1 risk-based capital ratio | 15.0149% | 3,041 |
| Total risk-based capital ratio | 16.2693% | 2,950 |
| Memoranda: |
| Average total assets | $153,543,400 | 3,834 |
| Average earning assets | $127,752,600 | 4,090 |
| Average equity | $24,942,800 | 2,640 |
| Average total loans | $76,052,800 | 4,649 |
