| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5439% | 1,105 |
| Cost of funding earning assets | 1.3624% | 2,325 |
| Net interest margin | 4.1815% | 961 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 2.7195% | 1,690 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 1.0249% | 2,137 |
| Return on assets (ROA) | 1.0289% | 2,103 |
| Pretax return on assets | 1.3266% | 1,803 |
| Return on Equity (ROE) | 11.7300% | 2,030 |
| Retained earnings to average equity (ytd only) | 10.7124% | 854 |
| Net charge-offs to loans | 0.0077% | 2,389 |
| Credit loss provision to net charge-offs | 3,166.6667% | 158 |
| Earnings coverage of net charge-offs (x) | 268.0000% | 470 |
| Efficiency ratio | 63.5042% | 2,669 |
| Assets per employee ($millions) | 5.1711% | 3,502 |
| Cash dividends to net income (ytd only)* | 8.6957% | 3,252 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0133% | 3,242 |
| Loan loss allowance to noncurrent loans | 262.5641% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.2875% | 1,795 |
| Noncurrent loans to loans | 0.3859% | 1,826 |
| Net loans and leases to total assets | 73.7300% | 1,392 |
| Net loans and leases to deposits | 94.3410% | 914 |
| Net loans and leases to core deposits | 100.0567% | 1,430 |
| Total domestic deposits to total assets | 78.1600% | 3,708 |
| Equity capital to assets | 8.7228% | 2,888 |
| Core capital (leverage) ratio | 9.0224% | 3,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $1,073,002,800 | 921 |
| Average earning assets | $987,927,400 | 916 |
| Average equity | $94,096,200 | 995 |
| Average total loans | $781,916,600 | 881 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3858% | 1,152 |
| Cost of funding earning assets | 1.1019% | 2,733 |
| Net interest margin | 4.2840% | 819 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 2.7877% | 1,460 |
| Loan and lease loss provision to assets | 0.1600% | 736 |
| Net operating income to assets | 1.0995% | 2,059 |
| Return on assets (ROA) | 1.1029% | 2,028 |
| Pretax return on assets | 1.3741% | 1,836 |
| Return on Equity (ROE) | 12.5600% | 1,990 |
| Retained earnings to average equity (ytd only) | 12.5582% | 880 |
| Net charge-offs to loans | 0.0117% | 1,968 |
| Credit loss provision to net charge-offs | 1,940.2985% | 244 |
| Earnings coverage of net charge-offs (x) | 180.8806% | 644 |
| Efficiency ratio | 63.4569% | 2,568 |
| Assets per employee ($millions) | 5.2803% | 3,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9754% | 3,483 |
| Loan loss allowance to noncurrent loans | 222.1399% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.3256% | 1,721 |
| Noncurrent loans to loans | 0.4391% | 1,735 |
| Net loans and leases to total assets | 73.4300% | 1,416 |
| Net loans and leases to deposits | 92.1183% | 1,045 |
| Net loans and leases to core deposits | 97.9595% | 1,447 |
| Total domestic deposits to total assets | 79.7100% | 3,568 |
| Equity capital to assets | 8.3449% | 2,832 |
| Core capital (leverage) ratio | 9.2008% | 3,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $1,052,967,250 | 937 |
| Average earning assets | $969,979,750 | 934 |
| Average equity | $92,473,750 | 1,002 |
| Average total loans | $762,659,250 | 898 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1870% | 1,234 |
| Cost of funding earning assets | 0.9676% | 2,711 |
| Net interest margin | 4.2194% | 909 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 2.7722% | 1,478 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 1.1144% | 2,083 |
| Return on assets (ROA) | 1.1166% | 2,067 |
| Pretax return on assets | 1.3644% | 1,905 |
| Return on Equity (ROE) | 12.4900% | 2,012 |
| Retained earnings to average equity (ytd only) | 12.4891% | 889 |
| Net charge-offs to loans | -0.0005% | 3,400 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 63.8553% | 2,501 |
| Assets per employee ($millions) | 5.0848% | 3,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9683% | 3,539 |
| Loan loss allowance to noncurrent loans | 185.0330% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.3829% | 1,387 |
| Noncurrent loans to loans | 0.5233% | 1,415 |
| Net loans and leases to total assets | 72.4600% | 1,471 |
| Net loans and leases to deposits | 85.2097% | 1,577 |
| Net loans and leases to core deposits | 89.7708% | 1,813 |
| Total domestic deposits to total assets | 85.0400% | 2,534 |
| Equity capital to assets | 8.8167% | 2,646 |
| Core capital (leverage) ratio | 9.3811% | 3,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $1,030,812,667 | 945 |
| Average earning assets | $949,340,333 | 941 |
| Average equity | $92,160,000 | 1,000 |
| Average total loans | $740,173,667 | 904 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0177% | 1,200 |
| Cost of funding earning assets | 0.8681% | 2,478 |
| Net interest margin | 4.1496% | 1,030 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.9777% | 1,097 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 0.8820% | 2,914 |
| Return on assets (ROA) | 0.8867% | 2,851 |
| Pretax return on assets | 1.0582% | 2,837 |
| Return on Equity (ROE) | 9.8500% | 2,829 |
| Retained earnings to average equity (ytd only) | 9.8456% | 1,733 |
| Net charge-offs to loans | -0.0050% | 3,633 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.6476% | 1,684 |
| Assets per employee ($millions) | 4.8836% | 3,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9763% | 3,613 |
| Loan loss allowance to noncurrent loans | 167.8371% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 0.4185% | 1,232 |
| Noncurrent loans to loans | 0.5817% | 1,278 |
| Net loans and leases to total assets | 71.2500% | 1,495 |
| Net loans and leases to deposits | 79.0935% | 1,886 |
| Net loans and leases to core deposits | 83.3527% | 2,034 |
| Total domestic deposits to total assets | 90.0900% | 1,128 |
| Equity capital to assets | 9.1263% | 2,426 |
| Core capital (leverage) ratio | 9.4325% | 3,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7841% | 2,469 |
| Memoranda: |
| Average total assets | $1,012,314,500 | 975 |
| Average earning assets | $931,185,000 | 978 |
| Average equity | $91,167,500 | 1,021 |
| Average total loans | $719,584,000 | 933 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1120% | 1,451 |
| Cost of funding earning assets | 0.4908% | 1,460 |
| Net interest margin | 3.6212% | 1,584 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 2.6075% | 1,806 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 0.8572% | 3,125 |
| Return on assets (ROA) | 0.8569% | 3,061 |
| Pretax return on assets | 1.0214% | 3,014 |
| Return on Equity (ROE) | 8.8600% | 3,163 |
| Retained earnings to average equity (ytd only) | -2.2159% | 4,490 |
| Net charge-offs to loans | -0.0006% | 3,321 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.5198% | 1,755 |
| Assets per employee ($millions) | 4.9213% | 3,732 |
| Cash dividends to net income (ytd only)* | 125.0156% | 112 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8600% | 3,895 |
| Loan loss allowance to noncurrent loans | 133.5316% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 0.4521% | 1,125 |
| Noncurrent loans to loans | 0.6441% | 1,151 |
| Net loans and leases to total assets | 69.5900% | 1,672 |
| Net loans and leases to deposits | 77.1648% | 2,020 |
| Net loans and leases to core deposits | 81.7857% | 2,020 |
| Total domestic deposits to total assets | 90.1900% | 1,276 |
| Equity capital to assets | 8.8834% | 2,429 |
| Core capital (leverage) ratio | 9.5897% | 3,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $933,504,000 | 1,043 |
| Average earning assets | $866,615,600 | 1,035 |
| Average equity | $90,303,400 | 1,030 |
| Average total loans | $619,644,200 | 1,016 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8911% | 1,505 |
| Cost of funding earning assets | 0.4126% | 1,209 |
| Net interest margin | 3.4785% | 1,725 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 2.5088% | 1,994 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 0.8228% | 3,163 |
| Return on assets (ROA) | 0.8219% | 3,129 |
| Pretax return on assets | 0.9803% | 3,075 |
| Return on Equity (ROE) | 8.3100% | 3,232 |
| Retained earnings to average equity (ytd only) | 8.3104% | 1,882 |
| Net charge-offs to loans | 0.0067% | 1,911 |
| Credit loss provision to net charge-offs | 2,250.0000% | 226 |
| Earnings coverage of net charge-offs (x) | 247.2000% | 542 |
| Efficiency ratio | 69.7404% | 1,791 |
| Assets per employee ($millions) | 5.1201% | 3,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9069% | 3,831 |
| Loan loss allowance to noncurrent loans | 137.5860% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 0.4680% | 1,157 |
| Noncurrent loans to loans | 0.6592% | 1,236 |
| Net loans and leases to total assets | 70.3500% | 1,451 |
| Net loans and leases to deposits | 77.8552% | 1,724 |
| Net loans and leases to core deposits | 82.9035% | 1,717 |
| Total domestic deposits to total assets | 90.3600% | 1,498 |
| Equity capital to assets | 9.4423% | 1,920 |
| Core capital (leverage) ratio | 10.5320% | 2,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $915,891,250 | 1,067 |
| Average earning assets | $853,682,250 | 1,058 |
| Average equity | $90,583,000 | 1,038 |
| Average total loans | $598,371,000 | 1,039 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7224% | 1,488 |
| Cost of funding earning assets | 0.3762% | 1,076 |
| Net interest margin | 3.3462% | 1,774 |
| Noninterest income to average assets | 0.3321% | 3,169 |
| Noninterest expense to average assets | 2.3899% | 2,257 |
| Loan and lease loss provision to assets | 0.0977% | 1,024 |
| Net operating income to assets | 0.8111% | 2,916 |
| Return on assets (ROA) | 0.8095% | 2,889 |
| Pretax return on assets | 0.9665% | 2,843 |
| Return on Equity (ROE) | 8.0658% | 3,000 |
| Retained earnings to average equity (ytd only) | 8.0658% | 1,595 |
| Net charge-offs to loans | 0.0075% | 1,719 |
| Credit loss provision to net charge-offs | 2,045.4545% | 240 |
| Earnings coverage of net charge-offs (x) | 223.1364% | 508 |
| Efficiency ratio | 68.9668% | 2,109 |
| Assets per employee ($millions) | 5.3852% | 3,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9198% | 3,894 |
| Loan loss allowance to noncurrent loans | 138.5417% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 0.4378% | 1,299 |
| Noncurrent loans to loans | 0.6639% | 1,292 |
| Net loans and leases to total assets | 65.3446% | 1,774 |
| Net loans and leases to deposits | 72.3897% | 1,999 |
| Net loans and leases to core deposits | 76.9128% | 1,931 |
| Total domestic deposits to total assets | 90.2678% | 1,600 |
| Equity capital to assets | 9.5816% | 1,951 |
| Core capital (leverage) ratio | 10.1537% | 2,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $920,808,667 | 1,060 |
| Average earning assets | $859,656,333 | 1,054 |
| Average equity | $92,414,667 | 1,025 |
| Average total loans | $584,577,333 | 1,042 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5680% | 1,598 |
| Cost of funding earning assets | 0.4092% | 821 |
| Net interest margin | 3.1589% | 1,995 |
| Noninterest income to average assets | 0.3310% | 3,118 |
| Noninterest expense to average assets | 2.4892% | 1,909 |
| Loan and lease loss provision to assets | 0.0977% | 850 |
| Net operating income to assets | 0.5911% | 3,422 |
| Return on assets (ROA) | 0.5878% | 3,415 |
| Pretax return on assets | 0.6881% | 3,426 |
| Return on Equity (ROE) | 5.7267% | 3,423 |
| Retained earnings to average equity (ytd only) | 5.7267% | 2,341 |
| Net charge-offs to loans | 0.0181% | 1,169 |
| Credit loss provision to net charge-offs | 865.3846% | 374 |
| Earnings coverage of net charge-offs (x) | 69.9231% | 796 |
| Efficiency ratio | 75.7287% | 1,560 |
| Assets per employee ($millions) | 5.6602% | 3,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9248% | 3,977 |
| Loan loss allowance to noncurrent loans | 170.1175% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 0.3372% | 1,760 |
| Noncurrent loans to loans | 0.5436% | 1,682 |
| Net loans and leases to total assets | 61.4532% | 1,922 |
| Net loans and leases to deposits | 69.0641% | 2,045 |
| Net loans and leases to core deposits | 73.1490% | 2,007 |
| Total domestic deposits to total assets | 88.9801% | 2,093 |
| Equity capital to assets | 9.8138% | 2,041 |
| Core capital (leverage) ratio | 9.7744% | 2,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $920,780,500 | 1,061 |
| Average earning assets | $859,300,000 | 1,058 |
| Average equity | $94,505,000 | 1,033 |
| Average total loans | $573,205,000 | 1,049 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8202% | 1,818 |
| Cost of funding earning assets | 0.5345% | 773 |
| Net interest margin | 3.2858% | 2,351 |
| Noninterest income to average assets | 0.8064% | 1,429 |
| Noninterest expense to average assets | 2.5014% | 2,177 |
| Loan and lease loss provision to assets | 0.1220% | 1,009 |
| Net operating income to assets | 1.0162% | 2,609 |
| Return on assets (ROA) | 1.0198% | 2,674 |
| Pretax return on assets | 1.2441% | 2,541 |
| Return on Equity (ROE) | 8.2924% | 3,136 |
| Retained earnings to average equity (ytd only) | -12.8713% | 4,788 |
| Net charge-offs to loans | 0.0179% | 1,922 |
| Credit loss provision to net charge-offs | 1,022.7273% | 525 |
| Earnings coverage of net charge-offs (x) | 114.1591% | 818 |
| Efficiency ratio | 64.6654% | 2,451 |
| Assets per employee ($millions) | 5.5683% | 3,195 |
| Cash dividends to net income (ytd only)* | 255.2173% | 24 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9093% | 4,044 |
| Loan loss allowance to noncurrent loans | 143.0513% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 0.4005% | 1,629 |
| Noncurrent loans to loans | 0.6357% | 1,565 |
| Net loans and leases to total assets | 61.9157% | 1,952 |
| Net loans and leases to deposits | 71.0191% | 2,020 |
| Net loans and leases to core deposits | 75.2914% | 1,976 |
| Total domestic deposits to total assets | 87.1817% | 2,440 |
| Equity capital to assets | 10.7263% | 1,995 |
| Core capital (leverage) ratio | 10.7521% | 1,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $737,708,400 | 1,238 |
| Average earning assets | $686,296,600 | 1,238 |
| Average equity | $90,721,200 | 1,091 |
| Average total loans | $490,669,400 | 1,186 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8780% | 1,824 |
| Cost of funding earning assets | 0.5725% | 733 |
| Net interest margin | 3.3054% | 2,401 |
| Noninterest income to average assets | 0.9679% | 1,122 |
| Noninterest expense to average assets | 2.5136% | 2,079 |
| Loan and lease loss provision to assets | 0.1295% | 898 |
| Net operating income to assets | 1.1365% | 2,415 |
| Return on assets (ROA) | 1.1399% | 2,465 |
| Pretax return on assets | 1.4027% | 2,322 |
| Return on Equity (ROE) | 8.8984% | 3,140 |
| Retained earnings to average equity (ytd only) | 8.8984% | 1,735 |
| Net charge-offs to loans | 0.0288% | 1,477 |
| Credit loss provision to net charge-offs | 661.7647% | 668 |
| Earnings coverage of net charge-offs (x) | 78.1078% | 995 |
| Efficiency ratio | 62.1239% | 2,675 |
| Assets per employee ($millions) | 5.0091% | 3,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0372% | 3,718 |
| Loan loss allowance to noncurrent loans | 100.6962% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 0.6909% | 1,080 |
| Noncurrent loans to loans | 1.0300% | 1,107 |
| Net loans and leases to total assets | 65.9723% | 1,552 |
| Net loans and leases to deposits | 78.3765% | 1,450 |
| Net loans and leases to core deposits | 83.3529% | 1,468 |
| Total domestic deposits to total assets | 84.1736% | 3,413 |
| Equity capital to assets | 12.8776% | 1,025 |
| Core capital (leverage) ratio | 12.7493% | 911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $695,229,250 | 1,308 |
| Average earning assets | $646,473,750 | 1,313 |
| Average equity | $89,062,750 | 1,126 |
| Average total loans | $471,557,000 | 1,236 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8986% | 1,818 |
| Cost of funding earning assets | 0.6002% | 746 |
| Net interest margin | 3.2984% | 2,440 |
| Noninterest income to average assets | 1.2565% | 742 |
| Noninterest expense to average assets | 2.5593% | 1,966 |
| Loan and lease loss provision to assets | 0.1305% | 953 |
| Net operating income to assets | 1.3142% | 1,820 |
| Return on assets (ROA) | 1.3179% | 1,878 |
| Pretax return on assets | 1.6348% | 1,642 |
| Return on Equity (ROE) | 10.3063% | 2,650 |
| Retained earnings to average equity (ytd only) | 10.3063% | 1,309 |
| Net charge-offs to loans | -0.0068% | 3,528 |
| Credit loss provision to net charge-offs | -2,812.5000% | 3,891 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1772% | 3,129 |
| Assets per employee ($millions) | 5.4908% | 3,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0230% | 3,753 |
| Loan loss allowance to noncurrent loans | 92.0061% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 0.7425% | 1,106 |
| Noncurrent loans to loans | 1.1119% | 1,083 |
| Net loans and leases to total assets | 65.7146% | 1,720 |
| Net loans and leases to deposits | 77.9362% | 1,634 |
| Net loans and leases to core deposits | 82.9049% | 1,646 |
| Total domestic deposits to total assets | 84.3184% | 3,339 |
| Equity capital to assets | 12.7455% | 1,030 |
| Core capital (leverage) ratio | 12.5350% | 919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $689,875,000 | 1,312 |
| Average earning assets | $640,735,667 | 1,312 |
| Average equity | $88,218,000 | 1,127 |
| Average total loans | $470,684,667 | 1,241 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9725% | 1,653 |
| Cost of funding earning assets | 0.6272% | 769 |
| Net interest margin | 3.3453% | 2,264 |
| Noninterest income to average assets | 1.3552% | 711 |
| Noninterest expense to average assets | 2.5540% | 2,008 |
| Loan and lease loss provision to assets | 0.1322% | 1,032 |
| Net operating income to assets | 1.4333% | 1,488 |
| Return on assets (ROA) | 1.4410% | 1,536 |
| Pretax return on assets | 1.7877% | 1,313 |
| Return on Equity (ROE) | 11.2493% | 2,289 |
| Retained earnings to average equity (ytd only) | 11.2493% | 1,334 |
| Net charge-offs to loans | -0.0042% | 3,331 |
| Credit loss provision to net charge-offs | -4,500.0000% | 3,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1410% | 3,411 |
| Assets per employee ($millions) | 5.4554% | 3,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9746% | 3,949 |
| Loan loss allowance to noncurrent loans | 92.2007% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 0.7093% | 1,310 |
| Noncurrent loans to loans | 1.0570% | 1,273 |
| Net loans and leases to total assets | 66.0565% | 1,798 |
| Net loans and leases to deposits | 78.1686% | 1,702 |
| Net loans and leases to core deposits | 83.5733% | 1,712 |
| Total domestic deposits to total assets | 84.5051% | 3,276 |
| Equity capital to assets | 12.5364% | 1,066 |
| Core capital (leverage) ratio | 12.6224% | 948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $680,657,500 | 1,316 |
| Average earning assets | $632,651,000 | 1,317 |
| Average equity | $87,188,000 | 1,126 |
| Average total loans | $470,890,000 | 1,243 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8332% | 691 |
| Cost of funding earning assets | 0.8534% | 1,008 |
| Net interest margin | 3.9798% | 1,015 |
| Noninterest income to average assets | 0.4530% | 2,856 |
| Noninterest expense to average assets | 2.5334% | 2,744 |
| Loan and lease loss provision to assets | 0.1737% | 2,217 |
| Net operating income to assets | 1.1856% | 1,595 |
| Return on assets (ROA) | 1.1852% | 1,711 |
| Pretax return on assets | 1.4241% | 1,584 |
| Return on Equity (ROE) | 8.7209% | 2,509 |
| Retained earnings to average equity (ytd only) | 8.7209% | 846 |
| Net charge-offs to loans | 0.0579% | 1,952 |
| Credit loss provision to net charge-offs | 391.7910% | 1,458 |
| Earnings coverage of net charge-offs (x) | 36.0485% | 1,464 |
| Efficiency ratio | 61.2357% | 3,270 |
| Assets per employee ($millions) | 5.0196% | 3,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9199% | 4,134 |
| Loan loss allowance to noncurrent loans | 83.0308% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 0.8033% | 1,275 |
| Noncurrent loans to loans | 1.1079% | 1,283 |
| Net loans and leases to total assets | 71.1697% | 1,403 |
| Net loans and leases to deposits | 85.0360% | 1,349 |
| Net loans and leases to core deposits | 91.8916% | 1,391 |
| Total domestic deposits to total assets | 83.6936% | 3,207 |
| Equity capital to assets | 13.1015% | 1,054 |
| Core capital (leverage) ratio | 13.0994% | 873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $604,436,800 | 1,321 |
| Average earning assets | $558,718,800 | 1,323 |
| Average equity | $82,147,200 | 1,128 |
| Average total loans | $462,907,600 | 1,202 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9633% | 646 |
| Cost of funding earning assets | 0.9005% | 1,070 |
| Net interest margin | 4.0628% | 969 |
| Noninterest income to average assets | 0.4849% | 2,675 |
| Noninterest expense to average assets | 2.5922% | 2,553 |
| Loan and lease loss provision to assets | 0.1861% | 2,129 |
| Net operating income to assets | 1.1947% | 1,654 |
| Return on assets (ROA) | 1.1929% | 1,784 |
| Pretax return on assets | 1.4644% | 1,530 |
| Return on Equity (ROE) | 8.6903% | 2,527 |
| Retained earnings to average equity (ytd only) | 8.6903% | 1,080 |
| Net charge-offs to loans | 0.0507% | 1,888 |
| Credit loss provision to net charge-offs | 471.4286% | 1,332 |
| Earnings coverage of net charge-offs (x) | 41.8743% | 1,330 |
| Efficiency ratio | 60.9851% | 3,218 |
| Assets per employee ($millions) | 4.7904% | 3,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8807% | 4,128 |
| Loan loss allowance to noncurrent loans | 95.5329% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 0.7610% | 1,521 |
| Noncurrent loans to loans | 0.9219% | 1,618 |
| Net loans and leases to total assets | 76.1363% | 1,073 |
| Net loans and leases to deposits | 92.0308% | 1,068 |
| Net loans and leases to core deposits | 100.3286% | 1,141 |
| Total domestic deposits to total assets | 82.7292% | 3,210 |
| Equity capital to assets | 13.5353% | 989 |
| Core capital (leverage) ratio | 13.4724% | 843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $591,153,000 | 1,329 |
| Average earning assets | $547,094,750 | 1,333 |
| Average equity | $81,146,000 | 1,130 |
| Average total loans | $460,550,250 | 1,203 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0615% | 741 |
| Cost of funding earning assets | 0.9592% | 1,110 |
| Net interest margin | 4.1023% | 1,107 |
| Noninterest income to average assets | 0.5281% | 2,451 |
| Noninterest expense to average assets | 2.5614% | 2,793 |
| Loan and lease loss provision to assets | 0.2067% | 1,987 |
| Net operating income to assets | 1.2598% | 1,460 |
| Return on assets (ROA) | 1.2573% | 1,592 |
| Pretax return on assets | 1.5446% | 1,354 |
| Return on Equity (ROE) | 9.1139% | 2,313 |
| Retained earnings to average equity (ytd only) | 9.1139% | 977 |
| Net charge-offs to loans | 0.0748% | 1,505 |
| Credit loss provision to net charge-offs | 352.9412% | 1,505 |
| Earnings coverage of net charge-offs (x) | 29.9588% | 1,437 |
| Efficiency ratio | 59.2705% | 3,519 |
| Assets per employee ($millions) | 4.7859% | 3,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8354% | 4,239 |
| Loan loss allowance to noncurrent loans | 72.0888% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 0.9764% | 1,236 |
| Noncurrent loans to loans | 1.1589% | 1,359 |
| Net loans and leases to total assets | 78.6002% | 772 |
| Net loans and leases to deposits | 95.2830% | 853 |
| Net loans and leases to core deposits | 102.9040% | 1,068 |
| Total domestic deposits to total assets | 82.4913% | 3,240 |
| Equity capital to assets | 13.6894% | 932 |
| Core capital (leverage) ratio | 13.5137% | 870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $580,620,667 | 1,328 |
| Average earning assets | $536,086,667 | 1,335 |
| Average equity | $80,097,667 | 1,137 |
| Average total loans | $454,616,333 | 1,203 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1960% | 663 |
| Cost of funding earning assets | 1.0588% | 1,189 |
| Net interest margin | 4.1373% | 1,060 |
| Noninterest income to average assets | 0.3358% | 3,510 |
| Noninterest expense to average assets | 2.7319% | 2,627 |
| Loan and lease loss provision to assets | 0.1581% | 1,826 |
| Net operating income to assets | 1.0271% | 2,084 |
| Return on assets (ROA) | 1.0179% | 2,224 |
| Pretax return on assets | 1.2392% | 2,071 |
| Return on Equity (ROE) | 7.3487% | 2,798 |
| Retained earnings to average equity (ytd only) | 7.3487% | 1,425 |
| Net charge-offs to loans | 0.0117% | 2,163 |
| Credit loss provision to net charge-offs | 1,730.7692% | 376 |
| Earnings coverage of net charge-offs (x) | 154.2308% | 423 |
| Efficiency ratio | 65.8975% | 2,980 |
| Assets per employee ($millions) | 4.5673% | 3,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8475% | 4,284 |
| Loan loss allowance to noncurrent loans | 67.9568% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 1.0605% | 1,229 |
| Noncurrent loans to loans | 1.2471% | 1,305 |
| Net loans and leases to total assets | 76.7431% | 1,179 |
| Net loans and leases to deposits | 93.3503% | 1,142 |
| Net loans and leases to core deposits | 101.8911% | 1,333 |
| Total domestic deposits to total assets | 82.2098% | 3,358 |
| Equity capital to assets | 13.8274% | 1,119 |
| Core capital (leverage) ratio | 13.5771% | 1,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $569,421,000 | 1,308 |
| Average earning assets | $523,629,000 | 1,323 |
| Average equity | $78,871,500 | 1,153 |
| Average total loans | $442,940,500 | 1,202 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1961% | 1,002 |
| Cost of funding earning assets | 1.1386% | 1,197 |
| Net interest margin | 4.0575% | 1,655 |
| Noninterest income to average assets | 0.4106% | 3,229 |
| Noninterest expense to average assets | 2.4194% | 3,634 |
| Loan and lease loss provision to assets | 0.1177% | 1,796 |
| Net operating income to assets | 1.3111% | 1,646 |
| Return on assets (ROA) | 1.3132% | 1,719 |
| Pretax return on assets | 1.6193% | 1,429 |
| Return on Equity (ROE) | 9.4612% | 2,539 |
| Retained earnings to average equity (ytd only) | 9.4612% | 596 |
| Net charge-offs to loans | 0.0245% | 2,913 |
| Credit loss provision to net charge-offs | 612.7451% | 504 |
| Earnings coverage of net charge-offs (x) | 90.3235% | 733 |
| Efficiency ratio | 58.1917% | 3,936 |
| Assets per employee ($millions) | 4.6559% | 3,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8089% | 4,280 |
| Loan loss allowance to noncurrent loans | 81.0510% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 0.8776% | 1,451 |
| Noncurrent loans to loans | 0.9980% | 1,519 |
| Net loans and leases to total assets | 77.5526% | 1,150 |
| Net loans and leases to deposits | 94.4869% | 1,110 |
| Net loans and leases to core deposits | 106.2309% | 1,097 |
| Total domestic deposits to total assets | 82.0776% | 3,495 |
| Equity capital to assets | 13.8755% | 1,148 |
| Core capital (leverage) ratio | 13.8281% | 972 |
| Tier 1 risk-based capital ratio | 15.8545% | 2,457 |
| Total risk-based capital ratio | 16.5920% | 2,572 |
| Memoranda: |
| Average total assets | $531,204,200 | 1,351 |
| Average earning assets | $490,059,000 | 1,355 |
| Average equity | $73,733,000 | 1,168 |
| Average total loans | $415,747,400 | 1,228 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1537% | 1,144 |
| Cost of funding earning assets | 1.1483% | 1,181 |
| Net interest margin | 4.0054% | 1,914 |
| Noninterest income to average assets | 0.4330% | 3,120 |
| Noninterest expense to average assets | 2.4028% | 3,673 |
| Loan and lease loss provision to assets | 0.1147% | 1,697 |
| Net operating income to assets | 1.3112% | 1,804 |
| Return on assets (ROA) | 1.3112% | 1,884 |
| Pretax return on assets | 1.6173% | 1,578 |
| Return on Equity (ROE) | 9.4457% | 2,699 |
| Retained earnings to average equity (ytd only) | 9.4457% | 913 |
| Net charge-offs to loans | 0.0088% | 3,051 |
| Credit loss provision to net charge-offs | 1,666.6667% | 230 |
| Earnings coverage of net charge-offs (x) | 251.6975% | 368 |
| Efficiency ratio | 58.0683% | 3,926 |
| Assets per employee ($millions) | 4.5107% | 3,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7924% | 4,430 |
| Loan loss allowance to noncurrent loans | 74.5854% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 0.9322% | 1,449 |
| Noncurrent loans to loans | 1.0624% | 1,504 |
| Net loans and leases to total assets | 78.1450% | 1,113 |
| Net loans and leases to deposits | 98.7010% | 751 |
| Net loans and leases to core deposits | 112.5602% | 816 |
| Total domestic deposits to total assets | 79.1734% | 4,149 |
| Equity capital to assets | 13.7739% | 1,245 |
| Core capital (leverage) ratio | 13.7269% | 1,070 |
| Tier 1 risk-based capital ratio | 15.5785% | 2,611 |
| Total risk-based capital ratio | 16.3003% | 2,752 |
| Memoranda: |
| Average total assets | $523,165,000 | 1,371 |
| Average earning assets | $483,497,000 | 1,374 |
| Average equity | $72,624,000 | 1,181 |
| Average total loans | $409,568,250 | 1,256 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0564% | 1,332 |
| Cost of funding earning assets | 1.1169% | 1,232 |
| Net interest margin | 3.9394% | 2,121 |
| Noninterest income to average assets | 0.3227% | 3,777 |
| Noninterest expense to average assets | 2.3975% | 3,738 |
| Loan and lease loss provision to assets | 0.1170% | 1,600 |
| Net operating income to assets | 1.1806% | 2,220 |
| Return on assets (ROA) | 1.1806% | 2,290 |
| Pretax return on assets | 1.4588% | 2,001 |
| Return on Equity (ROE) | 8.4811% | 3,074 |
| Retained earnings to average equity (ytd only) | 8.4811% | 1,216 |
| Net charge-offs to loans | 0.0075% | 2,881 |
| Credit loss provision to net charge-offs | 2,000.0000% | 181 |
| Earnings coverage of net charge-offs (x) | 269.2667% | 297 |
| Efficiency ratio | 60.3397% | 3,673 |
| Assets per employee ($millions) | 4.7704% | 2,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7849% | 4,494 |
| Loan loss allowance to noncurrent loans | 79.3367% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 0.8882% | 1,577 |
| Noncurrent loans to loans | 0.9894% | 1,652 |
| Net loans and leases to total assets | 77.9649% | 1,228 |
| Net loans and leases to deposits | 100.1174% | 672 |
| Net loans and leases to core deposits | 113.6343% | 793 |
| Total domestic deposits to total assets | 77.8735% | 4,420 |
| Equity capital to assets | 13.7639% | 1,214 |
| Core capital (leverage) ratio | 14.1588% | 918 |
| Tier 1 risk-based capital ratio | 15.6673% | 2,559 |
| Total risk-based capital ratio | 16.3885% | 2,701 |
| Memoranda: |
| Average total assets | $512,616,670 | 1,394 |
| Average earning assets | $475,043,670 | 1,398 |
| Average equity | $71,359,000 | 1,193 |
| Average total loans | $400,418,000 | 1,273 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9719% | 1,409 |
| Cost of funding earning assets | 1.0787% | 1,261 |
| Net interest margin | 3.8931% | 2,207 |
| Noninterest income to average assets | 0.3188% | 3,729 |
| Noninterest expense to average assets | 2.3300% | 3,947 |
| Loan and lease loss provision to assets | 0.1201% | 1,459 |
| Net operating income to assets | 1.1758% | 2,149 |
| Return on assets (ROA) | 1.1758% | 2,195 |
| Pretax return on assets | 1.4762% | 1,848 |
| Return on Equity (ROE) | 8.3956% | 3,080 |
| Retained earnings to average equity (ytd only) | 8.3956% | 1,522 |
| Net charge-offs to loans | 0.0134% | 2,225 |
| Credit loss provision to net charge-offs | 1,153.8462% | 331 |
| Earnings coverage of net charge-offs (x) | 153.3077% | 498 |
| Efficiency ratio | 59.3431% | 3,898 |
| Assets per employee ($millions) | 4.8907% | 2,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8059% | 4,505 |
| Loan loss allowance to noncurrent loans | 76.3886% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 0.8337% | 1,703 |
| Noncurrent loans to loans | 1.0550% | 1,580 |
| Net loans and leases to total assets | 78.3896% | 1,088 |
| Net loans and leases to deposits | 98.9506% | 700 |
| Net loans and leases to core deposits | 105.4812% | 1,209 |
| Total domestic deposits to total assets | 79.2209% | 4,314 |
| Equity capital to assets | 14.2328% | 955 |
| Core capital (leverage) ratio | 14.2732% | 873 |
| Tier 1 risk-based capital ratio | 16.3315% | 2,323 |
| Total risk-based capital ratio | 17.0767% | 2,450 |
| Memoranda: |
| Average total assets | $499,398,000 | 1,440 |
| Average earning assets | $462,763,000 | 1,439 |
| Average equity | $69,941,000 | 1,207 |
| Average total loans | $388,828,000 | 1,317 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8851% | 1,331 |
| Cost of funding earning assets | 0.9035% | 1,077 |
| Net interest margin | 3.9816% | 2,052 |
| Noninterest income to average assets | 0.3239% | 3,932 |
| Noninterest expense to average assets | 2.3586% | 3,975 |
| Loan and lease loss provision to assets | 0.1203% | 1,840 |
| Net operating income to assets | 1.2918% | 1,842 |
| Return on assets (ROA) | 1.2918% | 1,828 |
| Pretax return on assets | 1.5422% | 1,648 |
| Return on Equity (ROE) | 9.2962% | 2,839 |
| Retained earnings to average equity (ytd only) | 9.2962% | 784 |
| Net charge-offs to loans | 0.0402% | 2,598 |
| Credit loss provision to net charge-offs | 390.4110% | 840 |
| Earnings coverage of net charge-offs (x) | 53.9658% | 1,091 |
| Efficiency ratio | 58.6556% | 4,056 |
| Assets per employee ($millions) | 5.0500% | 2,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7928% | 4,557 |
| Loan loss allowance to noncurrent loans | 82.8338% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 0.8535% | 1,637 |
| Noncurrent loans to loans | 0.9571% | 1,687 |
| Net loans and leases to total assets | 76.0867% | 1,597 |
| Net loans and leases to deposits | 97.8868% | 914 |
| Net loans and leases to core deposits | 111.2188% | 926 |
| Total domestic deposits to total assets | 77.7293% | 4,531 |
| Equity capital to assets | 13.7778% | 1,036 |
| Core capital (leverage) ratio | 14.1564% | 882 |
| Tier 1 risk-based capital ratio | 15.8770% | 2,459 |
| Total risk-based capital ratio | 16.5846% | 2,610 |
| Memoranda: |
| Average total assets | $473,922,200 | 1,475 |
| Average earning assets | $440,071,600 | 1,478 |
| Average equity | $65,855,000 | 1,225 |
| Average total loans | $363,148,400 | 1,359 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8485% | 1,303 |
| Cost of funding earning assets | 0.8504% | 1,118 |
| Net interest margin | 3.9981% | 1,965 |
| Noninterest income to average assets | 0.3106% | 4,067 |
| Noninterest expense to average assets | 2.3262% | 4,033 |
| Loan and lease loss provision to assets | 0.1195% | 1,698 |
| Net operating income to assets | 1.3892% | 1,530 |
| Return on assets (ROA) | 1.3892% | 1,529 |
| Pretax return on assets | 1.5880% | 1,619 |
| Return on Equity (ROE) | 9.9744% | 2,635 |
| Retained earnings to average equity (ytd only) | 9.9744% | 933 |
| Net charge-offs to loans | 0.0406% | 2,277 |
| Credit loss provision to net charge-offs | 384.4037% | 847 |
| Earnings coverage of net charge-offs (x) | 54.9173% | 1,113 |
| Efficiency ratio | 57.6692% | 4,171 |
| Assets per employee ($millions) | 5.1154% | 2,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7877% | 4,665 |
| Loan loss allowance to noncurrent loans | 97.9578% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 0.7454% | 1,993 |
| Noncurrent loans to loans | 0.8042% | 2,102 |
| Net loans and leases to total assets | 76.6388% | 1,560 |
| Net loans and leases to deposits | 99.2072% | 846 |
| Net loans and leases to core deposits | 114.7665% | 774 |
| Total domestic deposits to total assets | 77.2512% | 4,607 |
| Equity capital to assets | 13.9648% | 970 |
| Core capital (leverage) ratio | 14.2654% | 870 |
| Tier 1 risk-based capital ratio | 16.5087% | 2,269 |
| Total risk-based capital ratio | 17.2305% | 2,395 |
| Memoranda: |
| Average total assets | $467,415,750 | 1,505 |
| Average earning assets | $435,258,500 | 1,498 |
| Average equity | $65,098,250 | 1,232 |
| Average total loans | $358,077,000 | 1,371 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7985% | 1,257 |
| Cost of funding earning assets | 0.8047% | 1,107 |
| Net interest margin | 3.9938% | 1,882 |
| Noninterest income to average assets | 0.3037% | 4,142 |
| Noninterest expense to average assets | 2.2845% | 4,180 |
| Loan and lease loss provision to assets | 0.1166% | 1,700 |
| Net operating income to assets | 1.3686% | 1,542 |
| Return on assets (ROA) | 1.3686% | 1,545 |
| Pretax return on assets | 1.6248% | 1,417 |
| Return on Equity (ROE) | 9.8363% | 2,642 |
| Retained earnings to average equity (ytd only) | 9.8363% | 973 |
| Net charge-offs to loans | 0.0192% | 2,505 |
| Credit loss provision to net charge-offs | 794.1176% | 505 |
| Earnings coverage of net charge-offs (x) | 118.5588% | 620 |
| Efficiency ratio | 56.7443% | 4,389 |
| Assets per employee ($millions) | 4.9678% | 2,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7913% | 4,724 |
| Loan loss allowance to noncurrent loans | 95.9314% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 0.7819% | 1,917 |
| Noncurrent loans to loans | 0.8249% | 2,075 |
| Net loans and leases to total assets | 76.5997% | 1,548 |
| Net loans and leases to deposits | 95.0508% | 1,242 |
| Net loans and leases to core deposits | 109.3544% | 1,041 |
| Total domestic deposits to total assets | 80.5882% | 4,105 |
| Equity capital to assets | 14.0761% | 913 |
| Core capital (leverage) ratio | 14.3554% | 814 |
| Tier 1 risk-based capital ratio | 15.9460% | 2,456 |
| Total risk-based capital ratio | 16.6446% | 2,618 |
| Memoranda: |
| Average total assets | $462,939,670 | 1,527 |
| Average earning assets | $431,464,000 | 1,513 |
| Average equity | $64,414,670 | 1,246 |
| Average total loans | $353,623,000 | 1,384 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7477% | 1,194 |
| Cost of funding earning assets | 0.7781% | 1,061 |
| Net interest margin | 3.9696% | 1,816 |
| Noninterest income to average assets | 0.3306% | 3,941 |
| Noninterest expense to average assets | 2.2494% | 4,298 |
| Loan and lease loss provision to assets | 0.1302% | 1,452 |
| Net operating income to assets | 1.3729% | 1,413 |
| Return on assets (ROA) | 1.3729% | 1,428 |
| Pretax return on assets | 1.6480% | 1,249 |
| Return on Equity (ROE) | 9.9253% | 2,476 |
| Retained earnings to average equity (ytd only) | 9.9253% | 1,183 |
| Net charge-offs to loans | 0.0240% | 2,025 |
| Credit loss provision to net charge-offs | 714.2857% | 464 |
| Earnings coverage of net charge-offs (x) | 97.5714% | 626 |
| Efficiency ratio | 55.8500% | 4,602 |
| Assets per employee ($millions) | 4.9070% | 2,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7867% | 4,822 |
| Loan loss allowance to noncurrent loans | 95.3125% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 0.7685% | 2,031 |
| Noncurrent loans to loans | 0.8254% | 2,167 |
| Net loans and leases to total assets | 75.8589% | 1,564 |
| Net loans and leases to deposits | 91.6315% | 1,492 |
| Net loans and leases to core deposits | 103.2861% | 1,434 |
| Total domestic deposits to total assets | 82.7869% | 3,726 |
| Equity capital to assets | 14.0692% | 871 |
| Core capital (leverage) ratio | 14.0279% | 869 |
| Tier 1 risk-based capital ratio | 17.0720% | 2,095 |
| Total risk-based capital ratio | 17.8041% | 2,202 |
| Memoranda: |
| Average total assets | $460,925,000 | 1,537 |
| Average earning assets | $429,259,000 | 1,526 |
| Average equity | $63,756,500 | 1,261 |
| Average total loans | $350,159,500 | 1,396 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7555% | 1,066 |
| Cost of funding earning assets | 0.6750% | 1,158 |
| Net interest margin | 4.0805% | 1,505 |
| Noninterest income to average assets | 0.3562% | 3,919 |
| Noninterest expense to average assets | 2.4336% | 3,979 |
| Loan and lease loss provision to assets | 0.0664% | 2,884 |
| Net operating income to assets | 1.5224% | 764 |
| Return on assets (ROA) | 1.5224% | 772 |
| Pretax return on assets | 1.6901% | 1,031 |
| Return on Equity (ROE) | 11.4979% | 1,341 |
| Retained earnings to average equity (ytd only) | 11.4979% | 210 |
| Net charge-offs to loans | 0.0291% | 3,224 |
| Credit loss provision to net charge-offs | 303.0303% | 932 |
| Earnings coverage of net charge-offs (x) | 80.2020% | 772 |
| Efficiency ratio | 58.0804% | 4,518 |
| Assets per employee ($millions) | 5.0054% | 2,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7445% | 4,966 |
| Loan loss allowance to noncurrent loans | 114.4357% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 0.6262% | 2,450 |
| Noncurrent loans to loans | 0.6506% | 2,594 |
| Net loans and leases to total assets | 74.9250% | 1,767 |
| Net loans and leases to deposits | 96.6926% | 1,022 |
| Net loans and leases to core deposits | 109.4979% | 1,033 |
| Total domestic deposits to total assets | 77.4878% | 4,792 |
| Equity capital to assets | 13.6000% | 1,020 |
| Core capital (leverage) ratio | 13.4765% | 974 |
| Tier 1 risk-based capital ratio | 16.3999% | 2,303 |
| Total risk-based capital ratio | 17.0908% | 2,443 |
| Memoranda: |
| Average total assets | $452,040,000 | 1,539 |
| Average earning assets | $424,727,400 | 1,520 |
| Average equity | $59,854,600 | 1,313 |
| Average total loans | $339,832,400 | 1,414 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7281% | 1,074 |
| Cost of funding earning assets | 0.6470% | 1,258 |
| Net interest margin | 4.0811% | 1,441 |
| Noninterest income to average assets | 0.3209% | 4,239 |
| Noninterest expense to average assets | 2.1292% | 4,670 |
| Loan and lease loss provision to assets | 0.0891% | 2,293 |
| Net operating income to assets | 1.3765% | 1,141 |
| Return on assets (ROA) | 1.3765% | 1,159 |
| Pretax return on assets | 1.9488% | 609 |
| Return on Equity (ROE) | 10.4691% | 1,918 |
| Retained earnings to average equity (ytd only) | 10.4691% | 496 |
| Net charge-offs to loans | 0.0392% | 2,654 |
| Credit loss provision to net charge-offs | 303.0303% | 974 |
| Earnings coverage of net charge-offs (x) | 69.2710% | 899 |
| Efficiency ratio | 51.0946% | 5,175 |
| Assets per employee ($millions) | 5.0555% | 2,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7494% | 5,021 |
| Loan loss allowance to noncurrent loans | 119.1712% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 0.6401% | 2,584 |
| Noncurrent loans to loans | 0.6288% | 2,820 |
| Net loans and leases to total assets | 75.3421% | 1,699 |
| Net loans and leases to deposits | 97.7788% | 941 |
| Net loans and leases to core deposits | 110.4320% | 998 |
| Total domestic deposits to total assets | 77.0536% | 4,880 |
| Equity capital to assets | 13.3901% | 1,207 |
| Core capital (leverage) ratio | 13.2385% | 1,120 |
| Tier 1 risk-based capital ratio | 16.1610% | 2,433 |
| Total risk-based capital ratio | 16.8627% | 2,609 |
| Memoranda: |
| Average total assets | $448,675,250 | 1,559 |
| Average earning assets | $422,847,250 | 1,537 |
| Average equity | $58,991,250 | 1,341 |
| Average total loans | $336,942,750 | 1,429 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6883% | 1,083 |
| Cost of funding earning assets | 0.6109% | 1,382 |
| Net interest margin | 4.0774% | 1,388 |
| Noninterest income to average assets | 0.3133% | 4,293 |
| Noninterest expense to average assets | 2.1269% | 4,725 |
| Loan and lease loss provision to assets | 0.1349% | 1,540 |
| Net operating income to assets | 1.3388% | 1,199 |
| Return on assets (ROA) | 1.3388% | 1,221 |
| Pretax return on assets | 1.8985% | 657 |
| Return on Equity (ROE) | 10.2476% | 1,938 |
| Retained earnings to average equity (ytd only) | 10.2476% | 542 |
| Net charge-offs to loans | 0.0511% | 2,194 |
| Credit loss provision to net charge-offs | 352.9412% | 864 |
| Earnings coverage of net charge-offs (x) | 53.2118% | 1,026 |
| Efficiency ratio | 51.1238% | 5,234 |
| Assets per employee ($millions) | 5.2985% | 2,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7706% | 5,016 |
| Loan loss allowance to noncurrent loans | 83.9183% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 0.8622% | 2,056 |
| Noncurrent loans to loans | 0.9182% | 2,136 |
| Net loans and leases to total assets | 75.2006% | 1,662 |
| Net loans and leases to deposits | 91.5260% | 1,555 |
| Net loans and leases to core deposits | 105.6486% | 1,256 |
| Total domestic deposits to total assets | 82.1631% | 3,845 |
| Equity capital to assets | 13.3219% | 1,217 |
| Core capital (leverage) ratio | 13.1879% | 1,109 |
| Tier 1 risk-based capital ratio | 16.0275% | 2,494 |
| Total risk-based capital ratio | 16.7469% | 2,639 |
| Memoranda: |
| Average total assets | $444,882,000 | 1,580 |
| Average earning assets | $419,728,670 | 1,550 |
| Average equity | $58,121,000 | 1,359 |
| Average total loans | $332,846,330 | 1,447 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6536% | 1,024 |
| Cost of funding earning assets | 0.5839% | 1,488 |
| Net interest margin | 4.0697% | 1,301 |
| Noninterest income to average assets | 0.3537% | 4,008 |
| Noninterest expense to average assets | 2.1188% | 4,812 |
| Loan and lease loss provision to assets | 0.1357% | 1,410 |
| Net operating income to assets | 1.3987% | 1,006 |
| Return on assets (ROA) | 1.3987% | 1,037 |
| Pretax return on assets | 1.9333% | 581 |
| Return on Equity (ROE) | 10.8145% | 1,636 |
| Retained earnings to average equity (ytd only) | 10.8145% | 641 |
| Net charge-offs to loans | 0.0864% | 1,480 |
| Credit loss provision to net charge-offs | 211.2676% | 982 |
| Earnings coverage of net charge-offs (x) | 32.2113% | 1,178 |
| Efficiency ratio | 50.5941% | 5,341 |
| Assets per employee ($millions) | 5.1174% | 2,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7582% | 5,178 |
| Loan loss allowance to noncurrent loans | 104.0902% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 0.6694% | 2,621 |
| Noncurrent loans to loans | 0.7284% | 2,677 |
| Net loans and leases to total assets | 74.1734% | 1,709 |
| Net loans and leases to deposits | 89.8151% | 1,561 |
| Net loans and leases to core deposits | 102.7171% | 1,316 |
| Total domestic deposits to total assets | 82.5845% | 3,977 |
| Equity capital to assets | 13.2178% | 1,174 |
| Core capital (leverage) ratio | 13.0364% | 1,132 |
| Tier 1 risk-based capital ratio | 16.2404% | 2,459 |
| Total risk-based capital ratio | 16.9489% | 2,606 |
| Memoranda: |
| Average total assets | $442,138,000 | 1,596 |
| Average earning assets | $416,540,000 | 1,568 |
| Average equity | $57,182,500 | 1,380 |
| Average total loans | $328,614,000 | 1,465 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6857% | 1,089 |
| Cost of funding earning assets | 0.6089% | 1,285 |
| Net interest margin | 4.0769% | 1,436 |
| Noninterest income to average assets | 0.3260% | 4,406 |
| Noninterest expense to average assets | 2.0454% | 5,104 |
| Loan and lease loss provision to assets | 0.1946% | 1,198 |
| Net operating income to assets | 1.4127% | 989 |
| Return on assets (ROA) | 1.4127% | 1,005 |
| Pretax return on assets | 1.9289% | 586 |
| Return on Equity (ROE) | 11.0641% | 1,556 |
| Retained earnings to average equity (ytd only) | 11.0641% | 299 |
| Net charge-offs to loans | 0.1687% | 1,611 |
| Credit loss provision to net charge-offs | 159.5745% | 1,725 |
| Earnings coverage of net charge-offs (x) | 17.4120% | 2,048 |
| Efficiency ratio | 49.0635% | 5,525 |
| Assets per employee ($millions) | 5.2256% | 2,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7356% | 5,284 |
| Loan loss allowance to noncurrent loans | 76.7398% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 0.8053% | 2,338 |
| Noncurrent loans to loans | 0.9586% | 2,168 |
| Net loans and leases to total assets | 73.3678% | 1,949 |
| Net loans and leases to deposits | 92.7763% | 1,332 |
| Net loans and leases to core deposits | 108.8366% | 971 |
| Total domestic deposits to total assets | 79.0803% | 4,775 |
| Equity capital to assets | 12.6512% | 1,427 |
| Core capital (leverage) ratio | 12.4934% | 1,336 |
| Tier 1 risk-based capital ratio | 16.0585% | 2,514 |
| Total risk-based capital ratio | 16.7549% | 2,679 |
| Memoranda: |
| Average total assets | $423,929,200 | 1,605 |
| Average earning assets | $399,597,600 | 1,568 |
| Average equity | $54,129,800 | 1,419 |
| Average total loans | $306,423,800 | 1,493 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6620% | 1,158 |
| Cost of funding earning assets | 0.6073% | 1,271 |
| Net interest margin | 4.0547% | 1,513 |
| Noninterest income to average assets | 0.3228% | 4,467 |
| Noninterest expense to average assets | 2.0483% | 5,111 |
| Loan and lease loss provision to assets | 0.2467% | 774 |
| Net operating income to assets | 1.3149% | 1,248 |
| Return on assets (ROA) | 1.3149% | 1,327 |
| Pretax return on assets | 1.8532% | 795 |
| Return on Equity (ROE) | 10.2732% | 1,940 |
| Retained earnings to average equity (ytd only) | 10.2732% | 521 |
| Net charge-offs to loans | 0.2060% | 1,138 |
| Credit loss provision to net charge-offs | 166.6667% | 1,654 |
| Earnings coverage of net charge-offs (x) | 14.1872% | 2,256 |
| Efficiency ratio | 49.3785% | 5,536 |
| Assets per employee ($millions) | 5.1242% | 2,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7490% | 5,319 |
| Loan loss allowance to noncurrent loans | 63.4883% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 0.8959% | 2,320 |
| Noncurrent loans to loans | 1.1798% | 1,904 |
| Net loans and leases to total assets | 72.6745% | 2,070 |
| Net loans and leases to deposits | 94.6278% | 1,188 |
| Net loans and leases to core deposits | 112.2663% | 793 |
| Total domestic deposits to total assets | 76.8004% | 5,121 |
| Equity capital to assets | 12.6890% | 1,654 |
| Core capital (leverage) ratio | 12.3226% | 1,472 |
| Tier 1 risk-based capital ratio | 15.7921% | 2,705 |
| Total risk-based capital ratio | 16.5012% | 2,868 |
| Memoranda: |
| Average total assets | $418,866,500 | 1,621 |
| Average earning assets | $395,182,000 | 1,592 |
| Average equity | $53,613,750 | 1,439 |
| Average total loans | $300,954,750 | 1,519 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6296% | 1,206 |
| Cost of funding earning assets | 0.6044% | 1,285 |
| Net interest margin | 4.0253% | 1,564 |
| Noninterest income to average assets | 0.3275% | 4,438 |
| Noninterest expense to average assets | 2.0826% | 5,099 |
| Loan and lease loss provision to assets | 0.2065% | 1,038 |
| Net operating income to assets | 1.3222% | 1,217 |
| Return on assets (ROA) | 1.3222% | 1,306 |
| Pretax return on assets | 1.8314% | 821 |
| Return on Equity (ROE) | 10.2979% | 1,925 |
| Retained earnings to average equity (ytd only) | 10.2979% | 542 |
| Net charge-offs to loans | 0.0157% | 3,208 |
| Credit loss provision to net charge-offs | 1,847.8261% | 221 |
| Earnings coverage of net charge-offs (x) | 182.3478% | 358 |
| Efficiency ratio | 50.5425% | 5,529 |
| Assets per employee ($millions) | 5.1959% | 2,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8024% | 5,280 |
| Loan loss allowance to noncurrent loans | 50.9235% | 4,787 |
| Noncurrent assets plus other real estate owned to assets | 1.1981% | 1,737 |
| Noncurrent loans to loans | 1.5757% | 1,364 |
| Net loans and leases to total assets | 71.9239% | 2,185 |
| Net loans and leases to deposits | 92.3114% | 1,471 |
| Net loans and leases to core deposits | 109.0831% | 977 |
| Total domestic deposits to total assets | 77.9144% | 5,015 |
| Equity capital to assets | 12.6591% | 1,682 |
| Core capital (leverage) ratio | 12.3800% | 1,415 |
| Tier 1 risk-based capital ratio | 15.9688% | 2,658 |
| Total risk-based capital ratio | 16.7330% | 2,802 |
| Memoranda: |
| Average total assets | $411,595,330 | 1,642 |
| Average earning assets | $387,848,330 | 1,613 |
| Average equity | $52,845,670 | 1,468 |
| Average total loans | $293,713,330 | 1,550 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5630% | 1,355 |
| Cost of funding earning assets | 0.5989% | 1,344 |
| Net interest margin | 3.9641% | 1,730 |
| Noninterest income to average assets | 0.3325% | 4,354 |
| Noninterest expense to average assets | 2.1446% | 5,023 |
| Loan and lease loss provision to assets | 0.0747% | 2,468 |
| Net operating income to assets | 1.3909% | 1,055 |
| Return on assets (ROA) | 1.3909% | 1,115 |
| Pretax return on assets | 1.8499% | 769 |
| Return on Equity (ROE) | 10.7520% | 1,695 |
| Retained earnings to average equity (ytd only) | 10.7520% | 703 |
| Net charge-offs to loans | 0.0014% | 3,070 |
| Credit loss provision to net charge-offs | 7,500.0000% | 42 |
| Earnings coverage of net charge-offs (x) | 1,933.0000% | 16 |
| Efficiency ratio | 52.7037% | 5,468 |
| Assets per employee ($millions) | 5.2126% | 2,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7362% | 5,527 |
| Loan loss allowance to noncurrent loans | 48.1138% | 4,879 |
| Noncurrent assets plus other real estate owned to assets | 1.1591% | 1,894 |
| Noncurrent loans to loans | 1.5302% | 1,529 |
| Net loans and leases to total assets | 71.4064% | 2,130 |
| Net loans and leases to deposits | 85.2751% | 2,159 |
| Net loans and leases to core deposits | 100.2615% | 1,461 |
| Total domestic deposits to total assets | 83.7364% | 3,626 |
| Equity capital to assets | 12.8264% | 1,495 |
| Core capital (leverage) ratio | 12.7807% | 1,243 |
| Tier 1 risk-based capital ratio | 15.7832% | 2,789 |
| Total risk-based capital ratio | 16.4570% | 2,995 |
| Memoranda: |
| Average total assets | $401,761,500 | 1,681 |
| Average earning assets | $378,701,500 | 1,649 |
| Average equity | $51,971,500 | 1,482 |
| Average total loans | $284,225,000 | 1,596 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5427% | 1,477 |
| Cost of funding earning assets | 0.6344% | 1,157 |
| Net interest margin | 3.9083% | 2,003 |
| Noninterest income to average assets | 0.3460% | 4,437 |
| Noninterest expense to average assets | 2.0566% | 5,337 |
| Loan and lease loss provision to assets | 0.0594% | 3,120 |
| Net operating income to assets | 1.3123% | 1,239 |
| Return on assets (ROA) | 1.3487% | 1,194 |
| Pretax return on assets | 1.9695% | 571 |
| Return on Equity (ROE) | 10.4819% | 1,812 |
| Retained earnings to average equity (ytd only) | 10.4819% | 397 |
| Net charge-offs to loans | 0.1109% | 2,266 |
| Credit loss provision to net charge-offs | 79.5053% | 2,960 |
| Earnings coverage of net charge-offs (x) | 26.4452% | 1,586 |
| Efficiency ratio | 51.0081% | 5,705 |
| Assets per employee ($millions) | 4.8361% | 2,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7740% | 5,479 |
| Loan loss allowance to noncurrent loans | 59.4191% | 4,651 |
| Noncurrent assets plus other real estate owned to assets | 0.9665% | 2,258 |
| Noncurrent loans to loans | 1.3026% | 1,810 |
| Net loans and leases to total assets | 68.9545% | 2,552 |
| Net loans and leases to deposits | 81.7624% | 2,622 |
| Net loans and leases to core deposits | 94.9664% | 1,944 |
| Total domestic deposits to total assets | 84.3352% | 3,355 |
| Equity capital to assets | 13.0510% | 1,323 |
| Core capital (leverage) ratio | 12.9374% | 1,168 |
| Tier 1 risk-based capital ratio | 17.2056% | 2,217 |
| Total risk-based capital ratio | 17.9371% | 2,350 |
| Memoranda: |
| Average total assets | $378,876,400 | 1,735 |
| Average earning assets | $357,319,400 | 1,694 |
| Average equity | $48,750,800 | 1,536 |
| Average total loans | $255,194,400 | 1,697 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5362% | 1,493 |
| Cost of funding earning assets | 0.6428% | 1,135 |
| Net interest margin | 3.8934% | 2,052 |
| Noninterest income to average assets | 0.3141% | 4,696 |
| Noninterest expense to average assets | 2.0092% | 5,463 |
| Loan and lease loss provision to assets | 0.0799% | 2,574 |
| Net operating income to assets | 1.2429% | 1,518 |
| Return on assets (ROA) | 1.2429% | 1,571 |
| Pretax return on assets | 1.8988% | 726 |
| Return on Equity (ROE) | 9.6957% | 2,226 |
| Retained earnings to average equity (ytd only) | 9.6957% | 693 |
| Net charge-offs to loans | 0.1376% | 1,749 |
| Credit loss provision to net charge-offs | 86.8726% | 2,512 |
| Earnings coverage of net charge-offs (x) | 21.5254% | 1,819 |
| Efficiency ratio | 50.3827% | 5,755 |
| Assets per employee ($millions) | 5.1436% | 2,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8282% | 5,444 |
| Loan loss allowance to noncurrent loans | 53.8812% | 4,849 |
| Noncurrent assets plus other real estate owned to assets | 1.3606% | 1,705 |
| Noncurrent loans to loans | 1.5372% | 1,627 |
| Net loans and leases to total assets | 67.0374% | 2,845 |
| Net loans and leases to deposits | 79.2712% | 2,960 |
| Net loans and leases to core deposits | 93.5163% | 2,128 |
| Total domestic deposits to total assets | 84.5671% | 3,190 |
| Equity capital to assets | 13.1299% | 1,380 |
| Core capital (leverage) ratio | 12.8750% | 1,244 |
| Tier 1 risk-based capital ratio | 17.6043% | 2,154 |
| Total risk-based capital ratio | 18.3835% | 2,270 |
| Memoranda: |
| Average total assets | $375,664,250 | 1,760 |
| Average earning assets | $354,472,750 | 1,714 |
| Average equity | $48,157,500 | 1,554 |
| Average total loans | $250,938,250 | 1,730 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5003% | 1,537 |
| Cost of funding earning assets | 0.6481% | 1,117 |
| Net interest margin | 3.8521% | 2,134 |
| Noninterest income to average assets | 0.3112% | 4,731 |
| Noninterest expense to average assets | 1.9475% | 5,637 |
| Loan and lease loss provision to assets | 0.0401% | 3,313 |
| Net operating income to assets | 1.2834% | 1,368 |
| Return on assets (ROA) | 1.2834% | 1,430 |
| Pretax return on assets | 1.9689% | 635 |
| Return on Equity (ROE) | 10.0944% | 2,031 |
| Retained earnings to average equity (ytd only) | 10.0944% | 647 |
| Net charge-offs to loans | 0.1045% | 1,961 |
| Credit loss provision to net charge-offs | 57.6923% | 2,611 |
| Earnings coverage of net charge-offs (x) | 28.9000% | 1,392 |
| Efficiency ratio | 49.2229% | 5,891 |
| Assets per employee ($millions) | 4.7928% | 2,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8455% | 5,481 |
| Loan loss allowance to noncurrent loans | 45.6315% | 5,126 |
| Noncurrent assets plus other real estate owned to assets | 1.3918% | 1,803 |
| Noncurrent loans to loans | 1.8528% | 1,364 |
| Net loans and leases to total assets | 66.1936% | 2,919 |
| Net loans and leases to deposits | 76.3112% | 3,230 |
| Net loans and leases to core deposits | 91.3442% | 2,209 |
| Total domestic deposits to total assets | 86.7415% | 2,300 |
| Equity capital to assets | 12.9447% | 1,432 |
| Core capital (leverage) ratio | 12.4110% | 1,426 |
| Tier 1 risk-based capital ratio | 17.4403% | 2,238 |
| Total risk-based capital ratio | 18.2260% | 2,367 |
| Memoranda: |
| Average total assets | $374,009,670 | 1,778 |
| Average earning assets | $353,932,330 | 1,727 |
| Average equity | $47,551,330 | 1,574 |
| Average total loans | $248,819,670 | 1,750 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4675% | 1,558 |
| Cost of funding earning assets | 0.6471% | 1,138 |
| Net interest margin | 3.8205% | 2,165 |
| Noninterest income to average assets | 0.2898% | 4,857 |
| Noninterest expense to average assets | 1.9321% | 5,702 |
| Loan and lease loss provision to assets | 0.0802% | 2,358 |
| Net operating income to assets | 1.2414% | 1,429 |
| Return on assets (ROA) | 1.2414% | 1,514 |
| Pretax return on assets | 1.9011% | 717 |
| Return on Equity (ROE) | 9.8534% | 2,069 |
| Retained earnings to average equity (ytd only) | 9.8534% | 965 |
| Net charge-offs to loans | 0.0290% | 2,603 |
| Credit loss provision to net charge-offs | 416.6667% | 632 |
| Earnings coverage of net charge-offs (x) | 102.9444% | 485 |
| Efficiency ratio | 49.3716% | 5,957 |
| Assets per employee ($millions) | 4.6884% | 2,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9106% | 5,410 |
| Loan loss allowance to noncurrent loans | 45.9851% | 5,126 |
| Noncurrent assets plus other real estate owned to assets | 1.4771% | 1,782 |
| Noncurrent loans to loans | 1.9801% | 1,319 |
| Net loans and leases to total assets | 64.4685% | 3,034 |
| Net loans and leases to deposits | 74.2362% | 3,281 |
| Net loans and leases to core deposits | 87.4071% | 2,386 |
| Total domestic deposits to total assets | 86.8425% | 2,457 |
| Equity capital to assets | 12.7805% | 1,520 |
| Core capital (leverage) ratio | 12.2163% | 1,498 |
| Tier 1 risk-based capital ratio | 17.6184% | 2,265 |
| Total risk-based capital ratio | 18.4731% | 2,355 |
| Memoranda: |
| Average total assets | $374,096,000 | 1,786 |
| Average earning assets | $354,825,500 | 1,728 |
| Average equity | $47,131,000 | 1,589 |
| Average total loans | $248,446,500 | 1,754 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6229% | 1,492 |
| Cost of funding earning assets | 0.6770% | 1,226 |
| Net interest margin | 3.9459% | 2,066 |
| Noninterest income to average assets | 0.3007% | 4,970 |
| Noninterest expense to average assets | 1.9138% | 5,909 |
| Loan and lease loss provision to assets | 0.0823% | 2,833 |
| Net operating income to assets | 1.3930% | 1,094 |
| Return on assets (ROA) | 1.4301% | 1,051 |
| Pretax return on assets | 2.1009% | 412 |
| Return on Equity (ROE) | 11.9251% | 1,433 |
| Retained earnings to average equity (ytd only) | 8.9055% | 727 |
| Net charge-offs to loans | 0.0398% | 4,025 |
| Credit loss provision to net charge-offs | 312.5000% | 835 |
| Earnings coverage of net charge-offs (x) | 80.8229% | 620 |
| Efficiency ratio | 47.3431% | 6,212 |
| Assets per employee ($millions) | 4.7836% | 2,613 |
| Cash dividends to net income (ytd only)* | 25.3213% | 3,596 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8562% | 5,621 |
| Loan loss allowance to noncurrent loans | 45.8589% | 5,226 |
| Noncurrent assets plus other real estate owned to assets | 1.4293% | 1,930 |
| Noncurrent loans to loans | 1.8670% | 1,522 |
| Net loans and leases to total assets | 67.1909% | 2,696 |
| Net loans and leases to deposits | 78.8248% | 2,861 |
| Net loans and leases to core deposits | 94.2798% | 1,892 |
| Total domestic deposits to total assets | 85.2408% | 3,190 |
| Equity capital to assets | 12.4158% | 1,694 |
| Core capital (leverage) ratio | 12.0776% | 1,576 |
| Tier 1 risk-based capital ratio | 16.3859% | 2,767 |
| Total risk-based capital ratio | 17.1801% | 2,943 |
| Memoranda: |
| Average total assets | $364,510,200 | 1,787 |
| Average earning assets | $345,652,400 | 1,731 |
| Average equity | $43,714,600 | 1,653 |
| Average total loans | $241,317,400 | 1,750 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5914% | 1,588 |
| Cost of funding earning assets | 0.6782% | 1,268 |
| Net interest margin | 3.9132% | 2,186 |
| Noninterest income to average assets | 0.3146% | 4,924 |
| Noninterest expense to average assets | 1.8850% | 5,979 |
| Loan and lease loss provision to assets | 0.1104% | 2,205 |
| Net operating income to assets | 1.3132% | 1,334 |
| Return on assets (ROA) | 1.3570% | 1,281 |
| Pretax return on assets | 2.1017% | 457 |
| Return on Equity (ROE) | 11.4190% | 1,655 |
| Retained earnings to average equity (ytd only) | 9.3754% | 881 |
| Net charge-offs to loans | 0.0587% | 3,375 |
| Credit loss provision to net charge-offs | 285.7143% | 943 |
| Earnings coverage of net charge-offs (x) | 55.5129% | 917 |
| Efficiency ratio | 46.7768% | 6,252 |
| Assets per employee ($millions) | 4.6592% | 2,721 |
| Cash dividends to net income (ytd only)* | 17.8959% | 3,288 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8613% | 5,713 |
| Loan loss allowance to noncurrent loans | 47.3222% | 5,238 |
| Noncurrent assets plus other real estate owned to assets | 1.4429% | 2,138 |
| Noncurrent loans to loans | 1.8201% | 1,769 |
| Net loans and leases to total assets | 67.4190% | 2,623 |
| Net loans and leases to deposits | 80.6794% | 2,594 |
| Net loans and leases to core deposits | 97.5414% | 1,549 |
| Total domestic deposits to total assets | 83.5642% | 3,930 |
| Equity capital to assets | 12.2378% | 1,882 |
| Core capital (leverage) ratio | 11.9776% | 1,709 |
| Tier 1 risk-based capital ratio | 16.3744% | 2,863 |
| Total risk-based capital ratio | 17.1803% | 3,035 |
| Memoranda: |
| Average total assets | $362,357,250 | 1,809 |
| Average earning assets | $344,022,500 | 1,747 |
| Average equity | $43,061,750 | 1,678 |
| Average total loans | $238,429,500 | 1,772 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5437% | 1,685 |
| Cost of funding earning assets | 0.6766% | 1,326 |
| Net interest margin | 3.8671% | 2,309 |
| Noninterest income to average assets | 0.3035% | 4,979 |
| Noninterest expense to average assets | 1.8421% | 6,087 |
| Loan and lease loss provision to assets | 0.1665% | 1,472 |
| Net operating income to assets | 1.2752% | 1,376 |
| Return on assets (ROA) | 1.2734% | 1,437 |
| Pretax return on assets | 1.9642% | 602 |
| Return on Equity (ROE) | 10.8253% | 1,800 |
| Retained earnings to average equity (ytd only) | 7.7121% | 1,428 |
| Net charge-offs to loans | 0.0896% | 2,789 |
| Credit loss provision to net charge-offs | 285.7143% | 892 |
| Earnings coverage of net charge-offs (x) | 36.6190% | 1,119 |
| Efficiency ratio | 46.3364% | 6,349 |
| Assets per employee ($millions) | 4.6961% | 2,617 |
| Cash dividends to net income (ytd only)* | 28.7582% | 2,836 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8938% | 5,740 |
| Loan loss allowance to noncurrent loans | 44.1441% | 5,383 |
| Noncurrent assets plus other real estate owned to assets | 1.5395% | 2,117 |
| Noncurrent loans to loans | 2.0246% | 1,670 |
| Net loans and leases to total assets | 65.2674% | 2,869 |
| Net loans and leases to deposits | 76.0851% | 3,044 |
| Net loans and leases to core deposits | 92.4579% | 1,905 |
| Total domestic deposits to total assets | 85.7821% | 3,165 |
| Equity capital to assets | 11.9367% | 2,031 |
| Core capital (leverage) ratio | 11.7779% | 1,803 |
| Tier 1 risk-based capital ratio | 16.2701% | 2,947 |
| Total risk-based capital ratio | 17.0971% | 3,110 |
| Memoranda: |
| Average total assets | $360,449,670 | 1,818 |
| Average earning assets | $342,276,000 | 1,753 |
| Average equity | $42,400,670 | 1,689 |
| Average total loans | $234,468,670 | 1,795 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5003% | 1,810 |
| Cost of funding earning assets | 0.6796% | 1,363 |
| Net interest margin | 3.8207% | 2,382 |
| Noninterest income to average assets | 0.3121% | 4,869 |
| Noninterest expense to average assets | 1.8852% | 6,092 |
| Loan and lease loss provision to assets | 0.3356% | 533 |
| Net operating income to assets | 1.1266% | 1,715 |
| Return on assets (ROA) | 1.1266% | 1,779 |
| Pretax return on assets | 1.7207% | 935 |
| Return on Equity (ROE) | 9.6504% | 2,179 |
| Retained earnings to average equity (ytd only) | 9.6504% | 1,064 |
| Net charge-offs to loans | -0.0035% | 4,760 |
| Credit loss provision to net charge-offs | -15,000.0000% | 5,662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8286% | 6,362 |
| Assets per employee ($millions) | 4.6989% | 2,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9844% | 5,585 |
| Loan loss allowance to noncurrent loans | 44.6527% | 5,404 |
| Noncurrent assets plus other real estate owned to assets | 1.6094% | 2,189 |
| Noncurrent loans to loans | 2.2046% | 1,649 |
| Net loans and leases to total assets | 62.9113% | 3,089 |
| Net loans and leases to deposits | 71.5215% | 3,404 |
| Net loans and leases to core deposits | 86.3134% | 2,286 |
| Total domestic deposits to total assets | 87.9613% | 2,250 |
| Equity capital to assets | 11.7527% | 2,053 |
| Core capital (leverage) ratio | 11.7842% | 1,773 |
| Tier 1 risk-based capital ratio | 16.7736% | 2,782 |
| Total risk-based capital ratio | 17.6820% | 2,898 |
| Memoranda: |
| Average total assets | $357,525,500 | 1,843 |
| Average earning assets | $339,624,000 | 1,774 |
| Average equity | $41,739,000 | 1,711 |
| Average total loans | $231,088,500 | 1,813 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6325% | 1,767 |
| Cost of funding earning assets | 0.7369% | 1,580 |
| Net interest margin | 3.8956% | 2,299 |
| Noninterest income to average assets | 0.3498% | 4,815 |
| Noninterest expense to average assets | 1.8429% | 6,265 |
| Loan and lease loss provision to assets | 0.4170% | 709 |
| Net operating income to assets | 1.3418% | 1,152 |
| Return on assets (ROA) | 1.4094% | 1,045 |
| Pretax return on assets | 1.8753% | 638 |
| Return on Equity (ROE) | 12.3185% | 1,323 |
| Retained earnings to average equity (ytd only) | 10.2183% | 524 |
| Net charge-offs to loans | 0.4969% | 1,333 |
| Credit loss provision to net charge-offs | 136.1111% | 1,725 |
| Earnings coverage of net charge-offs (x) | 7.1870% | 2,895 |
| Efficiency ratio | 45.5604% | 6,577 |
| Assets per employee ($millions) | 4.9751% | 2,204 |
| Cash dividends to net income (ytd only)* | 17.0491% | 3,829 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8442% | 6,075 |
| Loan loss allowance to noncurrent loans | 39.8415% | 5,637 |
| Noncurrent assets plus other real estate owned to assets | 1.5525% | 2,399 |
| Noncurrent loans to loans | 2.1189% | 1,862 |
| Net loans and leases to total assets | 65.2059% | 2,822 |
| Net loans and leases to deposits | 74.7628% | 3,139 |
| Net loans and leases to core deposits | 90.2975% | 1,986 |
| Total domestic deposits to total assets | 87.2170% | 2,617 |
| Equity capital to assets | 11.5943% | 2,101 |
| Core capital (leverage) ratio | 11.5916% | 1,894 |
| Tier 1 risk-based capital ratio | 15.9201% | 3,137 |
| Total risk-based capital ratio | 16.6863% | 3,361 |
| Memoranda: |
| Average total assets | $352,480,000 | 1,836 |
| Average earning assets | $334,352,400 | 1,777 |
| Average equity | $40,329,600 | 1,735 |
| Average total loans | $217,338,400 | 1,881 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5756% | 1,969 |
| Cost of funding earning assets | 0.7432% | 1,646 |
| Net interest margin | 3.8324% | 2,529 |
| Noninterest income to average assets | 0.3418% | 4,957 |
| Noninterest expense to average assets | 1.8038% | 6,334 |
| Loan and lease loss provision to assets | 0.2725% | 1,287 |
| Net operating income to assets | 1.2429% | 1,501 |
| Return on assets (ROA) | 1.2429% | 1,578 |
| Pretax return on assets | 1.9052% | 701 |
| Return on Equity (ROE) | 10.8992% | 1,855 |
| Retained earnings to average equity (ytd only) | 9.9035% | 809 |
| Net charge-offs to loans | -0.0119% | 5,924 |
| Credit loss provision to net charge-offs | -3,789.4737% | 6,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3042% | 6,618 |
| Assets per employee ($millions) | 5.4927% | 1,630 |
| Cash dividends to net income (ytd only)* | 9.1352% | 3,502 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0276% | 5,612 |
| Loan loss allowance to noncurrent loans | 33.8908% | 5,848 |
| Noncurrent assets plus other real estate owned to assets | 2.0842% | 1,922 |
| Noncurrent loans to loans | 3.0321% | 1,318 |
| Net loans and leases to total assets | 62.3161% | 3,304 |
| Net loans and leases to deposits | 73.5229% | 3,310 |
| Net loans and leases to core deposits | 89.8192% | 1,986 |
| Total domestic deposits to total assets | 84.7574% | 3,856 |
| Equity capital to assets | 11.4065% | 2,375 |
| Core capital (leverage) ratio | 11.2852% | 2,211 |
| Tier 1 risk-based capital ratio | 15.9225% | 3,241 |
| Total risk-based capital ratio | 16.8510% | 3,373 |
| Memoranda: |
| Average total assets | $352,291,250 | 1,852 |
| Average earning assets | $334,579,750 | 1,786 |
| Average equity | $40,173,250 | 1,750 |
| Average total loans | $213,600,250 | 1,908 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5651% | 1,973 |
| Cost of funding earning assets | 0.7531% | 1,686 |
| Net interest margin | 3.8119% | 2,508 |
| Noninterest income to average assets | 0.3262% | 5,086 |
| Noninterest expense to average assets | 1.7963% | 6,387 |
| Loan and lease loss provision to assets | 0.1141% | 2,910 |
| Net operating income to assets | 1.3219% | 1,267 |
| Return on assets (ROA) | 1.3219% | 1,348 |
| Pretax return on assets | 2.0381% | 561 |
| Return on Equity (ROE) | 11.5930% | 1,603 |
| Retained earnings to average equity (ytd only) | 10.0926% | 825 |
| Net charge-offs to loans | 0.0276% | 4,307 |
| Credit loss provision to net charge-offs | 689.6552% | 428 |
| Earnings coverage of net charge-offs (x) | 130.1379% | 375 |
| Efficiency ratio | 45.4939% | 6,663 |
| Assets per employee ($millions) | 5.1936% | 1,893 |
| Cash dividends to net income (ytd only)* | 12.9422% | 3,235 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8150% | 6,331 |
| Loan loss allowance to noncurrent loans | 39.9725% | 5,628 |
| Noncurrent assets plus other real estate owned to assets | 1.4205% | 2,969 |
| Noncurrent loans to loans | 2.0389% | 2,357 |
| Net loans and leases to total assets | 60.9253% | 3,496 |
| Net loans and leases to deposits | 69.1413% | 3,836 |
| Net loans and leases to core deposits | 85.7867% | 2,354 |
| Total domestic deposits to total assets | 88.1171% | 2,165 |
| Equity capital to assets | 11.3018% | 2,464 |
| Core capital (leverage) ratio | 11.0309% | 2,327 |
| Tier 1 risk-based capital ratio | 16.1884% | 3,096 |
| Total risk-based capital ratio | 16.9181% | 3,334 |
| Memoranda: |
| Average total assets | $350,713,330 | 1,861 |
| Average earning assets | $333,268,670 | 1,798 |
| Average equity | $39,989,670 | 1,758 |
| Average total loans | $209,869,000 | 1,935 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4829% | 2,227 |
| Cost of funding earning assets | 0.7627% | 1,769 |
| Net interest margin | 3.7202% | 2,776 |
| Noninterest income to average assets | 0.3170% | 5,161 |
| Noninterest expense to average assets | 1.8552% | 6,359 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2951% | 1,290 |
| Return on assets (ROA) | 1.2951% | 1,391 |
| Pretax return on assets | 1.9973% | 594 |
| Return on Equity (ROE) | 11.3092% | 1,613 |
| Retained earnings to average equity (ytd only) | 8.3331% | 1,627 |
| Net charge-offs to loans | 0.0135% | 3,875 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 251.1429% | 152 |
| Efficiency ratio | 48.1569% | 6,605 |
| Assets per employee ($millions) | 5.6538% | 1,534 |
| Cash dividends to net income (ytd only)* | 26.3158% | 2,180 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7591% | 6,520 |
| Loan loss allowance to noncurrent loans | 26.4189% | 6,153 |
| Noncurrent assets plus other real estate owned to assets | 1.8486% | 2,547 |
| Noncurrent loans to loans | 2.8735% | 1,761 |
| Net loans and leases to total assets | 58.3279% | 3,736 |
| Net loans and leases to deposits | 66.3500% | 4,009 |
| Net loans and leases to core deposits | 81.1458% | 2,673 |
| Total domestic deposits to total assets | 87.9093% | 2,376 |
| Equity capital to assets | 11.5438% | 2,371 |
| Core capital (leverage) ratio | 10.7814% | 2,472 |
| Tier 1 risk-based capital ratio | 16.2163% | 3,148 |
| Total risk-based capital ratio | 16.8932% | 3,421 |
| Memoranda: |
| Average total assets | $352,084,000 | 1,879 |
| Average earning assets | $334,606,500 | 1,812 |
| Average equity | $40,321,000 | 1,764 |
| Average total loans | $207,931,000 | 1,958 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8867% | 1,881 |
| Cost of funding earning assets | 0.8582% | 2,230 |
| Net interest margin | 4.0285% | 2,281 |
| Noninterest income to average assets | 0.4067% | 4,552 |
| Noninterest expense to average assets | 1.8475% | 6,555 |
| Loan and lease loss provision to assets | 0.1177% | 4,154 |
| Net operating income to assets | 1.4597% | 989 |
| Return on assets (ROA) | 1.4720% | 1,080 |
| Pretax return on assets | 2.2604% | 360 |
| Return on Equity (ROE) | 13.1355% | 1,195 |
| Retained earnings to average equity (ytd only) | 11.4653% | 381 |
| Net charge-offs to loans | 0.6716% | 1,754 |
| Credit loss provision to net charge-offs | 29.5421% | 5,122 |
| Earnings coverage of net charge-offs (x) | 5.9210% | 2,914 |
| Efficiency ratio | 43.9175% | 6,851 |
| Assets per employee ($millions) | 5.5255% | 1,667 |
| Cash dividends to net income (ytd only)* | 12.7149% | 3,992 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7487% | 6,569 |
| Loan loss allowance to noncurrent loans | 42.9235% | 5,495 |
| Noncurrent assets plus other real estate owned to assets | 1.2044% | 3,649 |
| Noncurrent loans to loans | 1.7442% | 2,996 |
| Net loans and leases to total assets | 58.8937% | 3,819 |
| Net loans and leases to deposits | 66.8080% | 4,164 |
| Net loans and leases to core deposits | 83.3065% | 2,631 |
| Total domestic deposits to total assets | 88.1536% | 2,129 |
| Equity capital to assets | 11.3612% | 2,575 |
| Core capital (leverage) ratio | 10.6040% | 2,649 |
| Tier 1 risk-based capital ratio | 15.6346% | 3,360 |
| Total risk-based capital ratio | 16.3051% | 3,638 |
| Memoranda: |
| Average total assets | $339,813,200 | 1,907 |
| Average earning assets | $320,541,600 | 1,849 |
| Average equity | $38,080,000 | 1,825 |
| Average total loans | $201,598,000 | 1,991 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9388% | 1,866 |
| Cost of funding earning assets | 0.8758% | 2,347 |
| Net interest margin | 4.0630% | 2,243 |
| Noninterest income to average assets | 0.4380% | 4,378 |
| Noninterest expense to average assets | 1.8535% | 6,609 |
| Loan and lease loss provision to assets | 0.1586% | 3,527 |
| Net operating income to assets | 1.4346% | 1,153 |
| Return on assets (ROA) | 1.4508% | 1,251 |
| Pretax return on assets | 2.2801% | 418 |
| Return on Equity (ROE) | 12.9937% | 1,340 |
| Retained earnings to average equity (ytd only) | 12.9937% | 399 |
| Net charge-offs to loans | 0.8032% | 1,366 |
| Credit loss provision to net charge-offs | 33.2779% | 4,746 |
| Earnings coverage of net charge-offs (x) | 5.0649% | 3,127 |
| Efficiency ratio | 43.4411% | 6,914 |
| Assets per employee ($millions) | 5.5328% | 1,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8247% | 6,549 |
| Loan loss allowance to noncurrent loans | 44.3272% | 5,439 |
| Noncurrent assets plus other real estate owned to assets | 1.3037% | 3,688 |
| Noncurrent loans to loans | 1.8604% | 2,999 |
| Net loans and leases to total assets | 60.4057% | 3,693 |
| Net loans and leases to deposits | 70.7800% | 3,790 |
| Net loans and leases to core deposits | 88.8620% | 2,116 |
| Total domestic deposits to total assets | 85.3429% | 3,592 |
| Equity capital to assets | 11.5834% | 2,664 |
| Core capital (leverage) ratio | 10.5664% | 2,840 |
| Tier 1 risk-based capital ratio | 15.5744% | 3,494 |
| Total risk-based capital ratio | 16.3214% | 3,749 |
| Memoranda: |
| Average total assets | $336,358,000 | 1,940 |
| Average earning assets | $316,964,000 | 1,890 |
| Average equity | $37,555,750 | 1,872 |
| Average total loans | $199,537,750 | 2,026 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9142% | 2,047 |
| Cost of funding earning assets | 0.8811% | 2,552 |
| Net interest margin | 4.0332% | 2,371 |
| Noninterest income to average assets | 0.3957% | 4,686 |
| Noninterest expense to average assets | 1.8813% | 6,637 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4641% | 1,058 |
| Return on assets (ROA) | 1.4695% | 1,175 |
| Pretax return on assets | 2.3176% | 399 |
| Return on Equity (ROE) | 13.3318% | 1,276 |
| Retained earnings to average equity (ytd only) | 13.3318% | 404 |
| Net charge-offs to loans | 0.8656% | 1,274 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 4.5388% | 3,049 |
| Efficiency ratio | 44.8936% | 6,921 |
| Assets per employee ($millions) | 5.2652% | 1,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8307% | 6,612 |
| Loan loss allowance to noncurrent loans | 44.6310% | 5,411 |
| Noncurrent assets plus other real estate owned to assets | 1.6488% | 3,246 |
| Noncurrent loans to loans | 1.8613% | 3,135 |
| Net loans and leases to total assets | 59.3415% | 3,934 |
| Net loans and leases to deposits | 67.9416% | 4,212 |
| Net loans and leases to core deposits | 86.5431% | 2,358 |
| Total domestic deposits to total assets | 87.3419% | 2,571 |
| Equity capital to assets | 11.3571% | 2,730 |
| Core capital (leverage) ratio | 10.3202% | 3,022 |
| Tier 1 risk-based capital ratio | 15.8798% | 3,220 |
| Total risk-based capital ratio | 16.6459% | 3,469 |
| Memoranda: |
| Average total assets | $334,132,670 | 1,948 |
| Average earning assets | $314,393,000 | 1,901 |
| Average equity | $36,829,330 | 1,893 |
| Average total loans | $196,405,330 | 2,062 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9596% | 2,035 |
| Cost of funding earning assets | 0.8614% | 2,981 |
| Net interest margin | 4.0981% | 2,093 |
| Noninterest income to average assets | 0.3006% | 5,474 |
| Noninterest expense to average assets | 1.8382% | 6,752 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4571% | 1,108 |
| Return on assets (ROA) | 1.4571% | 1,235 |
| Pretax return on assets | 2.3059% | 452 |
| Return on Equity (ROE) | 13.4260% | 1,300 |
| Retained earnings to average equity (ytd only) | 13.4260% | 626 |
| Net charge-offs to loans | -0.0062% | 5,839 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3574% | 6,972 |
| Assets per employee ($millions) | 5.3198% | 1,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3078% | 4,987 |
| Loan loss allowance to noncurrent loans | 49.5589% | 5,106 |
| Noncurrent assets plus other real estate owned to assets | 1.8765% | 3,077 |
| Noncurrent loans to loans | 2.6389% | 2,462 |
| Net loans and leases to total assets | 56.0329% | 4,381 |
| Net loans and leases to deposits | 63.6739% | 4,678 |
| Net loans and leases to core deposits | 81.6932% | 2,871 |
| Total domestic deposits to total assets | 87.9998% | 2,322 |
| Equity capital to assets | 10.7652% | 3,191 |
| Core capital (leverage) ratio | 10.0751% | 3,281 |
| Tier 1 risk-based capital ratio | 15.8817% | 3,229 |
| Total risk-based capital ratio | 17.0812% | 3,232 |
| Memoranda: |
| Average total assets | $332,714,000 | 1,958 |
| Average earning assets | $312,043,500 | 1,916 |
| Average equity | $36,109,000 | 1,923 |
| Average total loans | $193,789,000 | 2,094 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2514% | 1,865 |
| Cost of funding earning assets | 1.1771% | 2,182 |
| Net interest margin | 4.0743% | 2,549 |
| Noninterest income to average assets | 0.3584% | 4,949 |
| Noninterest expense to average assets | 1.9006% | 6,831 |
| Loan and lease loss provision to assets | 0.1581% | 4,657 |
| Net operating income to assets | 1.4125% | 1,003 |
| Return on assets (ROA) | 1.4553% | 997 |
| Pretax return on assets | 2.2084% | 365 |
| Return on Equity (ROE) | 13.9337% | 945 |
| Retained earnings to average equity (ytd only) | 9.4820% | 676 |
| Net charge-offs to loans | 0.1675% | 4,813 |
| Credit loss provision to net charge-offs | 153.3742% | 1,835 |
| Earnings coverage of net charge-offs (x) | 22.3221% | 1,064 |
| Efficiency ratio | 45.2281% | 7,083 |
| Assets per employee ($millions) | 5.2413% | 1,897 |
| Cash dividends to net income (ytd only)* | 31.9496% | 3,028 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2997% | 4,903 |
| Loan loss allowance to noncurrent loans | 49.8519% | 5,034 |
| Noncurrent assets plus other real estate owned to assets | 2.0169% | 2,948 |
| Noncurrent loans to loans | 2.6071% | 2,508 |
| Net loans and leases to total assets | 59.0076% | 4,195 |
| Net loans and leases to deposits | 67.1228% | 4,566 |
| Net loans and leases to core deposits | 86.3222% | 2,592 |
| Total domestic deposits to total assets | 87.9099% | 2,216 |
| Equity capital to assets | 10.9447% | 3,035 |
| Core capital (leverage) ratio | 9.9348% | 3,415 |
| Tier 1 risk-based capital ratio | 15.2272% | 3,492 |
| Total risk-based capital ratio | 16.4190% | 3,501 |
| Memoranda: |
| Average total assets | $316,162,600 | 2,031 |
| Average earning assets | $298,282,200 | 1,963 |
| Average equity | $33,020,600 | 2,021 |
| Average total loans | $194,681,800 | 2,088 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2788% | 1,945 |
| Cost of funding earning assets | 1.2253% | 2,159 |
| Net interest margin | 4.0535% | 2,679 |
| Noninterest income to average assets | 0.3593% | 4,994 |
| Noninterest expense to average assets | 1.9250% | 6,826 |
| Loan and lease loss provision to assets | 0.0849% | 5,382 |
| Net operating income to assets | 1.3690% | 1,221 |
| Return on assets (ROA) | 1.4248% | 1,178 |
| Pretax return on assets | 2.2703% | 378 |
| Return on Equity (ROE) | 13.8129% | 1,074 |
| Retained earnings to average equity (ytd only) | 9.8811% | 875 |
| Net charge-offs to loans | 0.1684% | 4,446 |
| Credit loss provision to net charge-offs | 81.3008% | 4,101 |
| Earnings coverage of net charge-offs (x) | 21.7115% | 1,176 |
| Efficiency ratio | 45.9084% | 7,064 |
| Assets per employee ($millions) | 5.1082% | 2,058 |
| Cash dividends to net income (ytd only)* | 28.4650% | 2,548 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1647% | 5,620 |
| Loan loss allowance to noncurrent loans | 36.0833% | 5,889 |
| Noncurrent assets plus other real estate owned to assets | 2.4505% | 2,630 |
| Noncurrent loans to loans | 3.2278% | 2,148 |
| Net loans and leases to total assets | 60.7798% | 3,984 |
| Net loans and leases to deposits | 69.1556% | 4,431 |
| Net loans and leases to core deposits | 91.5186% | 2,053 |
| Total domestic deposits to total assets | 87.8884% | 2,100 |
| Equity capital to assets | 10.8487% | 3,290 |
| Core capital (leverage) ratio | 9.9303% | 3,530 |
| Tier 1 risk-based capital ratio | 14.5249% | 3,957 |
| Total risk-based capital ratio | 15.5867% | 4,063 |
| Memoranda: |
| Average total assets | $313,963,250 | 2,051 |
| Average earning assets | $296,955,250 | 1,977 |
| Average equity | $32,384,250 | 2,052 |
| Average total loans | $194,783,250 | 2,115 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2759% | 1,971 |
| Cost of funding earning assets | 1.2660% | 2,144 |
| Net interest margin | 4.0099% | 2,790 |
| Noninterest income to average assets | 0.3552% | 5,046 |
| Noninterest expense to average assets | 1.8802% | 6,972 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.4227% | 1,040 |
| Return on assets (ROA) | 1.5070% | 936 |
| Pretax return on assets | 2.4095% | 282 |
| Return on Equity (ROE) | 14.8757% | 825 |
| Retained earnings to average equity (ytd only) | 8.8202% | 1,170 |
| Net charge-offs to loans | 0.2333% | 3,725 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 15.6903% | 1,389 |
| Efficiency ratio | 45.2186% | 7,193 |
| Assets per employee ($millions) | 5.3848% | 1,672 |
| Cash dividends to net income (ytd only)* | 40.7076% | 2,043 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0866% | 6,010 |
| Loan loss allowance to noncurrent loans | 36.8604% | 5,830 |
| Noncurrent assets plus other real estate owned to assets | 2.3412% | 2,815 |
| Noncurrent loans to loans | 2.9478% | 2,461 |
| Net loans and leases to total assets | 61.9369% | 3,897 |
| Net loans and leases to deposits | 70.4964% | 4,368 |
| Net loans and leases to core deposits | 91.5749% | 2,191 |
| Total domestic deposits to total assets | 87.8583% | 2,237 |
| Equity capital to assets | 10.6131% | 3,369 |
| Core capital (leverage) ratio | 9.7172% | 3,642 |
| Tier 1 risk-based capital ratio | 14.1215% | 4,084 |
| Total risk-based capital ratio | 15.1047% | 4,238 |
| Memoranda: |
| Average total assets | $311,345,670 | 2,069 |
| Average earning assets | $295,268,330 | 2,006 |
| Average equity | $31,541,330 | 2,087 |
| Average total loans | $193,743,000 | 2,142 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1863% | 2,271 |
| Cost of funding earning assets | 1.2834% | 2,286 |
| Net interest margin | 3.9029% | 3,124 |
| Noninterest income to average assets | 0.3384% | 5,199 |
| Noninterest expense to average assets | 1.9662% | 6,881 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2968% | 1,275 |
| Return on assets (ROA) | 1.4656% | 985 |
| Pretax return on assets | 2.3419% | 319 |
| Return on Equity (ROE) | 14.8218% | 851 |
| Retained earnings to average equity (ytd only) | 2.3944% | 4,716 |
| Net charge-offs to loans | 0.0768% | 4,174 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 43.6486% | 640 |
| Efficiency ratio | 48.6160% | 7,090 |
| Assets per employee ($millions) | 5.7650% | 1,362 |
| Cash dividends to net income (ytd only)* | 83.8455% | 776 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2040% | 5,614 |
| Loan loss allowance to noncurrent loans | 39.4477% | 5,660 |
| Noncurrent assets plus other real estate owned to assets | 2.0976% | 3,198 |
| Noncurrent loans to loans | 3.0522% | 2,459 |
| Net loans and leases to total assets | 59.8835% | 4,288 |
| Net loans and leases to deposits | 67.6800% | 4,719 |
| Net loans and leases to core deposits | 93.9236% | 1,893 |
| Total domestic deposits to total assets | 88.4803% | 2,091 |
| Equity capital to assets | 9.7416% | 4,121 |
| Core capital (leverage) ratio | 9.3838% | 3,989 |
| Tier 1 risk-based capital ratio | 14.1810% | 3,951 |
| Total risk-based capital ratio | 15.3004% | 4,020 |
| Memoranda: |
| Average total assets | $310,858,000 | 2,087 |
| Average earning assets | $295,163,500 | 2,025 |
| Average equity | $30,738,500 | 2,128 |
| Average total loans | $192,831,000 | 2,175 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5250% | 2,184 |
| Cost of funding earning assets | 1.5081% | 2,590 |
| Net interest margin | 4.0169% | 2,945 |
| Noninterest income to average assets | 0.4097% | 4,824 |
| Noninterest expense to average assets | 1.9221% | 7,126 |
| Loan and lease loss provision to assets | 0.4321% | 3,530 |
| Net operating income to assets | 1.1550% | 1,530 |
| Return on assets (ROA) | 1.1550% | 1,614 |
| Pretax return on assets | 1.8426% | 694 |
| Return on Equity (ROE) | 10.9979% | 1,589 |
| Retained earnings to average equity (ytd only) | 6.4618% | 1,575 |
| Net charge-offs to loans | 0.2100% | 5,032 |
| Credit loss provision to net charge-offs | 307.1253% | 865 |
| Earnings coverage of net charge-offs (x) | 16.1671% | 1,229 |
| Efficiency ratio | 45.4036% | 7,376 |
| Assets per employee ($millions) | 5.7480% | 1,390 |
| Cash dividends to net income (ytd only)* | 41.2451% | 2,536 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2152% | 5,440 |
| Loan loss allowance to noncurrent loans | 37.5499% | 5,806 |
| Noncurrent assets plus other real estate owned to assets | 2.2197% | 3,071 |
| Noncurrent loans to loans | 3.2361% | 2,344 |
| Net loans and leases to total assets | 62.7366% | 4,125 |
| Net loans and leases to deposits | 71.1001% | 4,668 |
| Net loans and leases to core deposits | 94.2133% | 2,230 |
| Total domestic deposits to total assets | 88.2370% | 2,102 |
| Equity capital to assets | 10.0410% | 3,699 |
| Core capital (leverage) ratio | 9.5148% | 3,688 |
| Tier 1 risk-based capital ratio | 14.2316% | 3,725 |
| Total risk-based capital ratio | 15.3802% | 3,739 |
| Memoranda: |
| Average total assets | $289,267,400 | 2,218 |
| Average earning assets | $272,723,800 | 2,164 |
| Average equity | $30,378,600 | 2,148 |
| Average total loans | $193,770,200 | 2,213 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5359% | 2,305 |
| Cost of funding earning assets | 1.6005% | 2,383 |
| Net interest margin | 3.9354% | 3,380 |
| Noninterest income to average assets | 0.4017% | 4,941 |
| Noninterest expense to average assets | 1.8825% | 7,230 |
| Loan and lease loss provision to assets | 0.4671% | 3,137 |
| Net operating income to assets | 1.0842% | 1,949 |
| Return on assets (ROA) | 1.0842% | 2,060 |
| Pretax return on assets | 1.7573% | 1,001 |
| Return on Equity (ROE) | 10.2044% | 2,047 |
| Retained earnings to average equity (ytd only) | 9.8879% | 820 |
| Net charge-offs to loans | 0.2621% | 4,378 |
| Credit loss provision to net charge-offs | 262.4672% | 1,259 |
| Earnings coverage of net charge-offs (x) | 12.4986% | 1,677 |
| Efficiency ratio | 45.4277% | 7,406 |
| Assets per employee ($millions) | 5.3871% | 1,729 |
| Cash dividends to net income (ytd only)* | 3.1022% | 3,479 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0467% | 6,183 |
| Loan loss allowance to noncurrent loans | 27.9427% | 6,453 |
| Noncurrent assets plus other real estate owned to assets | 2.7672% | 2,616 |
| Noncurrent loans to loans | 3.7458% | 2,066 |
| Net loans and leases to total assets | 69.1237% | 2,953 |
| Net loans and leases to deposits | 79.2866% | 3,582 |
| Net loans and leases to core deposits | 107.8944% | 1,169 |
| Total domestic deposits to total assets | 87.1821% | 2,427 |
| Equity capital to assets | 10.8795% | 3,076 |
| Core capital (leverage) ratio | 10.1155% | 3,131 |
| Tier 1 risk-based capital ratio | 13.8802% | 3,931 |
| Total risk-based capital ratio | 14.8843% | 4,048 |
| Memoranda: |
| Average total assets | $285,423,750 | 2,276 |
| Average earning assets | $268,735,250 | 2,224 |
| Average equity | $30,326,000 | 2,174 |
| Average total loans | $193,844,500 | 2,252 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4380% | 2,810 |
| Cost of funding earning assets | 1.5597% | 2,907 |
| Net interest margin | 3.8783% | 3,547 |
| Noninterest income to average assets | 0.4076% | 4,846 |
| Noninterest expense to average assets | 1.8498% | 7,335 |
| Loan and lease loss provision to assets | 0.2116% | 4,766 |
| Net operating income to assets | 1.2264% | 1,492 |
| Return on assets (ROA) | 1.2264% | 1,555 |
| Pretax return on assets | 1.9972% | 605 |
| Return on Equity (ROE) | 11.6379% | 1,547 |
| Retained earnings to average equity (ytd only) | 11.1561% | 620 |
| Net charge-offs to loans | 0.4310% | 3,268 |
| Credit loss provision to net charge-offs | 72.9927% | 4,893 |
| Earnings coverage of net charge-offs (x) | 7.6204% | 2,268 |
| Efficiency ratio | 45.1607% | 7,474 |
| Assets per employee ($millions) | 4.9585% | 2,230 |
| Cash dividends to net income (ytd only)* | 4.1403% | 3,266 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7189% | 7,207 |
| Loan loss allowance to noncurrent loans | 22.2629% | 6,830 |
| Noncurrent assets plus other real estate owned to assets | 2.3477% | 3,079 |
| Noncurrent loans to loans | 3.2290% | 2,481 |
| Net loans and leases to total assets | 67.0860% | 3,600 |
| Net loans and leases to deposits | 78.3290% | 3,910 |
| Net loans and leases to core deposits | 86.6268% | 3,745 |
| Total domestic deposits to total assets | 85.6465% | 3,287 |
| Equity capital to assets | 10.7488% | 3,127 |
| Core capital (leverage) ratio | 9.8950% | 3,287 |
| Tier 1 risk-based capital ratio | 14.2484% | 3,575 |
| Total risk-based capital ratio | 14.9393% | 3,909 |
| Memoranda: |
| Average total assets | $283,596,330 | 2,306 |
| Average earning assets | $266,973,330 | 2,252 |
| Average equity | $29,885,000 | 2,196 |
| Average total loans | $190,722,000 | 2,305 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6173% | 2,083 |
| Cost of funding earning assets | 1.5954% | 2,995 |
| Net interest margin | 4.0219% | 2,782 |
| Noninterest income to average assets | 0.3736% | 5,152 |
| Noninterest expense to average assets | 1.9389% | 7,268 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.3608% | 1,162 |
| Return on assets (ROA) | 1.3608% | 1,231 |
| Pretax return on assets | 2.2088% | 411 |
| Return on Equity (ROE) | 13.0469% | 1,245 |
| Retained earnings to average equity (ytd only) | 12.0663% | 739 |
| Net charge-offs to loans | 0.3938% | 2,861 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 8.3602% | 1,967 |
| Efficiency ratio | 46.3356% | 7,533 |
| Assets per employee ($millions) | 5.2991% | 1,866 |
| Cash dividends to net income (ytd only)* | 7.5157% | 2,449 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6939% | 7,348 |
| Loan loss allowance to noncurrent loans | 26.2823% | 6,648 |
| Noncurrent assets plus other real estate owned to assets | 1.8404% | 3,722 |
| Noncurrent loans to loans | 2.6402% | 3,031 |
| Net loans and leases to total assets | 64.9149% | 4,117 |
| Net loans and leases to deposits | 76.3295% | 4,353 |
| Net loans and leases to core deposits | 114.5116% | 1,017 |
| Total domestic deposits to total assets | 85.0455% | 3,655 |
| Equity capital to assets | 10.2182% | 3,580 |
| Core capital (leverage) ratio | 9.8448% | 3,346 |
| Tier 1 risk-based capital ratio | 12.5199% | 4,725 |
| Total risk-based capital ratio | 13.1107% | 5,280 |
| Memoranda: |
| Average total assets | $281,597,000 | 2,380 |
| Average earning assets | $264,254,500 | 2,321 |
| Average equity | $29,371,000 | 2,255 |
| Average total loans | $188,916,500 | 2,388 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3633% | 904 |
| Cost of funding earning assets | 1.9592% | 3,162 |
| Net interest margin | 4.4041% | 1,421 |
| Noninterest income to average assets | 0.4402% | 4,881 |
| Noninterest expense to average assets | 2.3556% | 6,589 |
| Loan and lease loss provision to assets | 0.1381% | 6,259 |
| Net operating income to assets | 1.3670% | 904 |
| Return on assets (ROA) | 1.3670% | 957 |
| Pretax return on assets | 2.0668% | 357 |
| Return on Equity (ROE) | 12.1767% | 1,118 |
| Retained earnings to average equity (ytd only) | 9.8253% | 387 |
| Net charge-offs to loans | 0.0773% | 6,341 |
| Credit loss provision to net charge-offs | 246.3768% | 1,444 |
| Earnings coverage of net charge-offs (x) | 39.3406% | 607 |
| Efficiency ratio | 51.2245% | 7,449 |
| Assets per employee ($millions) | 5.2258% | 1,925 |
| Cash dividends to net income (ytd only)* | 19.3108% | 3,676 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8051% | 7,115 |
| Loan loss allowance to noncurrent loans | 34.9560% | 6,103 |
| Noncurrent assets plus other real estate owned to assets | 1.5905% | 3,991 |
| Noncurrent loans to loans | 2.3031% | 3,283 |
| Net loans and leases to total assets | 68.3764% | 3,621 |
| Net loans and leases to deposits | 81.0101% | 3,797 |
| Net loans and leases to core deposits | 106.2993% | 3,301 |
| Total domestic deposits to total assets | 84.4048% | 3,838 |
| Equity capital to assets | 10.6575% | 3,012 |
| Core capital (leverage) ratio | 10.1694% | 2,923 |
| Tier 1 risk-based capital ratio | 14.1738% | 3,392 |
| Total risk-based capital ratio | 14.9619% | 3,617 |
| Memoranda: |
| Average total assets | $246,224,600 | 2,645 |
| Average earning assets | $230,351,200 | 2,597 |
| Average equity | $27,643,000 | 2,408 |
| Average total loans | $178,422,600 | 2,536 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3968% | 931 |
| Cost of funding earning assets | 2.0219% | 3,245 |
| Net interest margin | 4.3748% | 1,512 |
| Noninterest income to average assets | 0.4053% | 5,240 |
| Noninterest expense to average assets | 2.3092% | 6,675 |
| Loan and lease loss provision to assets | 0.0556% | 6,810 |
| Net operating income to assets | 1.3141% | 1,187 |
| Return on assets (ROA) | 1.3141% | 1,262 |
| Pretax return on assets | 2.1408% | 407 |
| Return on Equity (ROE) | 11.5398% | 1,477 |
| Retained earnings to average equity (ytd only) | 10.6123% | 528 |
| Net charge-offs to loans | 0.0734% | 5,952 |
| Credit loss provision to net charge-offs | 103.0928% | 4,938 |
| Earnings coverage of net charge-offs (x) | 40.7320% | 738 |
| Efficiency ratio | 50.8081% | 7,497 |
| Assets per employee ($millions) | 4.8428% | 2,345 |
| Cash dividends to net income (ytd only)* | 8.0373% | 3,566 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7078% | 7,346 |
| Loan loss allowance to noncurrent loans | 42.8198% | 5,452 |
| Noncurrent assets plus other real estate owned to assets | 1.2175% | 4,635 |
| Noncurrent loans to loans | 1.6530% | 4,164 |
| Net loans and leases to total assets | 71.5446% | 3,145 |
| Net loans and leases to deposits | 85.6656% | 3,384 |
| Net loans and leases to core deposits | 109.7155% | 3,271 |
| Total domestic deposits to total assets | 83.5161% | 3,952 |
| Equity capital to assets | 11.0980% | 2,927 |
| Core capital (leverage) ratio | 10.6323% | 2,683 |
| Tier 1 risk-based capital ratio | 12.0710% | 4,904 |
| Total risk-based capital ratio | 12.6659% | 5,459 |
| Memoranda: |
| Average total assets | $239,845,000 | 2,738 |
| Average earning assets | $224,795,000 | 2,678 |
| Average equity | $27,313,500 | 2,451 |
| Average total loans | $176,199,250 | 2,589 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3694% | 1,063 |
| Cost of funding earning assets | 2.0723% | 3,409 |
| Net interest margin | 4.2971% | 1,666 |
| Noninterest income to average assets | 0.4141% | 5,168 |
| Noninterest expense to average assets | 2.0970% | 7,283 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.4242% | 970 |
| Return on assets (ROA) | 1.4242% | 1,036 |
| Pretax return on assets | 2.3327% | 282 |
| Return on Equity (ROE) | 12.3909% | 1,310 |
| Retained earnings to average equity (ytd only) | 11.2023% | 539 |
| Net charge-offs to loans | 0.0312% | 6,024 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 101.1852% | 380 |
| Efficiency ratio | 46.8774% | 7,812 |
| Assets per employee ($millions) | 4.8094% | 2,307 |
| Cash dividends to net income (ytd only)* | 9.5923% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7110% | 7,394 |
| Loan loss allowance to noncurrent loans | 30.4721% | 6,440 |
| Noncurrent assets plus other real estate owned to assets | 1.7523% | 3,549 |
| Noncurrent loans to loans | 2.3334% | 3,099 |
| Net loans and leases to total assets | 72.7594% | 3,012 |
| Net loans and leases to deposits | 88.8282% | 3,029 |
| Net loans and leases to core deposits | 118.3451% | 2,517 |
| Total domestic deposits to total assets | 81.9102% | 4,726 |
| Equity capital to assets | 11.2220% | 2,738 |
| Core capital (leverage) ratio | 10.9180% | 2,471 |
| Tier 1 risk-based capital ratio | 12.8158% | 4,276 |
| Total risk-based capital ratio | 13.4485% | 4,664 |
| Memoranda: |
| Average total assets | $234,237,330 | 2,813 |
| Average earning assets | $218,892,000 | 2,752 |
| Average equity | $26,923,000 | 2,486 |
| Average total loans | $173,285,330 | 2,653 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3354% | 1,202 |
| Cost of funding earning assets | 2.0881% | 3,705 |
| Net interest margin | 4.2473% | 1,757 |
| Noninterest income to average assets | 0.4390% | 4,882 |
| Noninterest expense to average assets | 2.2368% | 6,734 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3292% | 1,315 |
| Return on assets (ROA) | 1.3292% | 1,416 |
| Pretax return on assets | 2.1686% | 469 |
| Return on Equity (ROE) | 11.4191% | 1,839 |
| Retained earnings to average equity (ytd only) | 11.4191% | 899 |
| Net charge-offs to loans | 0.0259% | 5,181 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 112.7273% | 385 |
| Efficiency ratio | 50.2977% | 7,570 |
| Assets per employee ($millions) | 4.3999% | 2,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7567% | 7,290 |
| Loan loss allowance to noncurrent loans | 32.1101% | 6,404 |
| Noncurrent assets plus other real estate owned to assets | 1.8456% | 3,148 |
| Noncurrent loans to loans | 2.3565% | 2,798 |
| Net loans and leases to total assets | 72.8346% | 3,046 |
| Net loans and leases to deposits | 87.5280% | 3,375 |
| Net loans and leases to core deposits | 115.7003% | 2,829 |
| Total domestic deposits to total assets | 83.2129% | 4,040 |
| Equity capital to assets | 11.5147% | 2,579 |
| Core capital (leverage) ratio | 11.0025% | 2,496 |
| Tier 1 risk-based capital ratio | 12.5541% | 4,507 |
| Total risk-based capital ratio | 13.2011% | 4,910 |
| Memoranda: |
| Average total assets | $228,717,500 | 2,883 |
| Average earning assets | $213,593,500 | 2,841 |
| Average equity | $26,622,000 | 2,519 |
| Average total loans | $170,058,000 | 2,699 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.0131% | 1,105 |
| Cost of funding earning assets | 2.6417% | 3,473 |
| Net interest margin | 4.3714% | 1,768 |
| Noninterest income to average assets | 0.5350% | 4,362 |
| Noninterest expense to average assets | 2.3590% | 6,536 |
| Loan and lease loss provision to assets | 0.2397% | 4,505 |
| Net operating income to assets | 1.2958% | 1,492 |
| Return on assets (ROA) | 1.2958% | 1,445 |
| Pretax return on assets | 1.9827% | 632 |
| Return on Equity (ROE) | 10.8324% | 1,957 |
| Retained earnings to average equity (ytd only) | 9.1492% | 584 |
| Net charge-offs to loans | 0.0890% | 5,468 |
| Credit loss provision to net charge-offs | 352.1127% | 1,279 |
| Earnings coverage of net charge-offs (x) | 32.6479% | 1,102 |
| Efficiency ratio | 50.9888% | 7,588 |
| Assets per employee ($millions) | 4.3123% | 2,931 |
| Cash dividends to net income (ytd only)* | 15.5383% | 4,560 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7723% | 7,196 |
| Loan loss allowance to noncurrent loans | 36.5546% | 6,285 |
| Noncurrent assets plus other real estate owned to assets | 1.7129% | 2,845 |
| Noncurrent loans to loans | 2.1128% | 2,612 |
| Net loans and leases to total assets | 74.7723% | 2,927 |
| Net loans and leases to deposits | 94.5519% | 2,681 |
| Net loans and leases to core deposits | 119.6808% | 2,722 |
| Total domestic deposits to total assets | 79.0807% | 5,349 |
| Equity capital to assets | 11.7696% | 2,456 |
| Core capital (leverage) ratio | 11.0879% | 2,520 |
| Tier 1 risk-based capital ratio | 12.7931% | 4,223 |
| Total risk-based capital ratio | 13.4786% | 4,534 |
| Memoranda: |
| Average total assets | $208,603,200 | 3,022 |
| Average earning assets | $193,094,600 | 2,992 |
| Average equity | $24,953,000 | 2,638 |
| Average total loans | $159,593,200 | 2,774 |
