| 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 | 5.3149% | 1,470 |
| Cost of funding earning assets | 1.7621% | 1,318 |
| Net interest margin | 3.5528% | 2,057 |
| Noninterest income to average assets | 0.1400% | 4,103 |
| Noninterest expense to average assets | 2.3693% | 2,669 |
| Loan and lease loss provision to assets | 0.8300% | 88 |
| Net operating income to assets | 0.0968% | 4,256 |
| Return on assets (ROA) | 0.1647% | 4,221 |
| Pretax return on assets | 0.2183% | 4,180 |
| Return on Equity (ROE) | 1.2200% | 4,237 |
| Retained earnings to average equity (ytd only) | 1.2237% | 3,781 |
| Net charge-offs to loans | -0.0014% | 3,646 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 59.7479% | 3,110 |
| Assets per employee ($millions) | 12.2260% | 393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1021% | 2,826 |
| Loan loss allowance to noncurrent loans | 376.2442% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.1944% | 2,251 |
| Noncurrent loans to loans | 0.2929% | 2,127 |
| Net loans and leases to total assets | 65.6400% | 2,292 |
| Net loans and leases to deposits | 79.6453% | 2,143 |
| Net loans and leases to core deposits | 91.3767% | 1,959 |
| Total domestic deposits to total assets | 82.4100% | 3,049 |
| Equity capital to assets | 13.9691% | 688 |
| Core capital (leverage) ratio | 9.7836% | 2,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6616% | 1,636 |
| Memoranda: |
| Average total assets | $1,983,672,200 | 580 |
| Average earning assets | $1,778,919,200 | 582 |
| Average equity | $266,979,600 | 433 |
| Average total loans | $1,311,831,200 | 579 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2182% | 1,424 |
| Cost of funding earning assets | 1.6062% | 1,362 |
| Net interest margin | 3.6121% | 1,976 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 2.3866% | 2,554 |
| Loan and lease loss provision to assets | 1.1300% | 51 |
| Net operating income to assets | -0.1043% | 4,476 |
| Return on assets (ROA) | -0.0135% | 4,422 |
| Pretax return on assets | -0.0216% | 4,415 |
| Return on Equity (ROE) | -0.1000% | 4,390 |
| Retained earnings to average equity (ytd only) | -0.1016% | 4,164 |
| Net charge-offs to loans | -0.0042% | 3,700 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.2677% | 3,055 |
| Assets per employee ($millions) | 11.8479% | 391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1525% | 2,604 |
| Loan loss allowance to noncurrent loans | 263.1942% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.2858% | 1,860 |
| Noncurrent loans to loans | 0.4379% | 1,738 |
| Net loans and leases to total assets | 64.5000% | 2,388 |
| Net loans and leases to deposits | 78.2184% | 2,230 |
| Net loans and leases to core deposits | 88.7724% | 2,007 |
| Total domestic deposits to total assets | 82.4700% | 3,129 |
| Equity capital to assets | 13.6122% | 708 |
| Core capital (leverage) ratio | 9.5862% | 3,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6338% | 1,674 |
| Memoranda: |
| Average total assets | $1,978,324,000 | 581 |
| Average earning assets | $1,780,017,000 | 581 |
| Average equity | $263,702,000 | 434 |
| Average total loans | $1,307,097,250 | 581 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0259% | 1,519 |
| Cost of funding earning assets | 1.4333% | 1,372 |
| Net interest margin | 3.5927% | 2,056 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 2.4074% | 2,460 |
| Loan and lease loss provision to assets | 1.6900% | 35 |
| Net operating income to assets | -0.5304% | 4,571 |
| Return on assets (ROA) | -0.3943% | 4,547 |
| Pretax return on assets | -0.5327% | 4,557 |
| Return on Equity (ROE) | -2.9800% | 4,511 |
| Retained earnings to average equity (ytd only) | -2.9791% | 4,342 |
| Net charge-offs to loans | -0.0085% | 3,862 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.7185% | 2,990 |
| Assets per employee ($millions) | 12.0052% | 375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1690% | 2,603 |
| Loan loss allowance to noncurrent loans | 184.7161% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 0.4125% | 1,293 |
| Noncurrent loans to loans | 0.6328% | 1,179 |
| Net loans and leases to total assets | 64.4300% | 2,344 |
| Net loans and leases to deposits | 77.1256% | 2,210 |
| Net loans and leases to core deposits | 88.8939% | 1,871 |
| Total domestic deposits to total assets | 83.5400% | 2,926 |
| Equity capital to assets | 13.6661% | 688 |
| Core capital (leverage) ratio | 9.2490% | 3,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7767% | 1,629 |
| Memoranda: |
| Average total assets | $1,978,231,000 | 568 |
| Average earning assets | $1,790,312,000 | 569 |
| Average equity | $261,825,333 | 427 |
| Average total loans | $1,312,414,667 | 560 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4464% | 2,434 |
| Cost of funding earning assets | 1.1160% | 1,713 |
| Net interest margin | 3.3304% | 2,795 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 2.8019% | 1,431 |
| Loan and lease loss provision to assets | 3.1400% | 14 |
| Net operating income to assets | -1.9264% | 4,646 |
| Return on assets (ROA) | -1.6545% | 4,635 |
| Pretax return on assets | -2.3208% | 4,643 |
| Return on Equity (ROE) | -12.7100% | 4,611 |
| Retained earnings to average equity (ytd only) | -12.7079% | 4,522 |
| Net charge-offs to loans | -0.0027% | 3,485 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.8161% | 1,362 |
| Assets per employee ($millions) | 10.5512% | 591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0913% | 3,100 |
| Loan loss allowance to noncurrent loans | 159.1230% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 0.4380% | 1,177 |
| Noncurrent loans to loans | 0.6858% | 1,106 |
| Net loans and leases to total assets | 63.1600% | 2,341 |
| Net loans and leases to deposits | 75.0957% | 2,195 |
| Net loans and leases to core deposits | 87.9372% | 1,750 |
| Total domestic deposits to total assets | 84.1100% | 3,071 |
| Equity capital to assets | 13.2869% | 697 |
| Core capital (leverage) ratio | 8.8726% | 3,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2720% | 1,877 |
| Memoranda: |
| Average total assets | $1,976,913,500 | 582 |
| Average earning assets | $1,813,587,000 | 576 |
| Average equity | $257,384,000 | 443 |
| Average total loans | $1,322,965,500 | 571 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4640% | 3,167 |
| Cost of funding earning assets | 0.4287% | 1,869 |
| Net interest margin | 3.0353% | 3,340 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 2.9158% | 1,101 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | -0.0385% | 4,583 |
| Return on assets (ROA) | -0.0385% | 4,572 |
| Pretax return on assets | 0.1136% | 4,497 |
| Return on Equity (ROE) | -0.3000% | 4,555 |
| Retained earnings to average equity (ytd only) | -0.3018% | 4,387 |
| Net charge-offs to loans | -0.0020% | 3,441 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 94.8086% | 217 |
| Assets per employee ($millions) | 12.1062% | 378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6806% | 4,233 |
| Loan loss allowance to noncurrent loans | 117.3441% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 0.4064% | 1,263 |
| Noncurrent loans to loans | 0.5800% | 1,282 |
| Net loans and leases to total assets | 69.5900% | 1,672 |
| Net loans and leases to deposits | 84.0853% | 1,468 |
| Net loans and leases to core deposits | 89.6953% | 1,518 |
| Total domestic deposits to total assets | 82.7700% | 3,467 |
| Equity capital to assets | 12.7445% | 759 |
| Core capital (leverage) ratio | 13.0059% | 936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3900% | 1,066 |
| Memoranda: |
| Average total assets | $1,949,164,600 | 567 |
| Average earning assets | $1,853,563,400 | 541 |
| Average equity | $248,473,800 | 443 |
| Average total loans | $1,313,781,400 | 535 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3383% | 3,077 |
| Cost of funding earning assets | 0.3653% | 1,563 |
| Net interest margin | 2.9731% | 3,288 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 1.8422% | 3,894 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.9016% | 2,857 |
| Return on assets (ROA) | 0.9016% | 2,836 |
| Pretax return on assets | 1.1461% | 2,572 |
| Return on Equity (ROE) | 7.0700% | 3,577 |
| Retained earnings to average equity (ytd only) | 7.0724% | 2,339 |
| Net charge-offs to loans | -0.0044% | 3,446 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.7505% | 3,021 |
| Assets per employee ($millions) | 11.8318% | 404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6733% | 4,298 |
| Loan loss allowance to noncurrent loans | 110.7466% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 0.4210% | 1,293 |
| Noncurrent loans to loans | 0.6080% | 1,332 |
| Net loans and leases to total assets | 68.7800% | 1,588 |
| Net loans and leases to deposits | 82.3936% | 1,414 |
| Net loans and leases to core deposits | 86.9007% | 1,473 |
| Total domestic deposits to total assets | 83.4800% | 3,607 |
| Equity capital to assets | 13.0348% | 673 |
| Core capital (leverage) ratio | 13.0189% | 904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8755% | 1,014 |
| Memoranda: |
| Average total assets | $1,949,182,250 | 568 |
| Average earning assets | $1,853,979,750 | 541 |
| Average equity | $248,491,750 | 447 |
| Average total loans | $1,300,787,250 | 533 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1866% | 3,084 |
| Cost of funding earning assets | 0.3334% | 1,409 |
| Net interest margin | 2.8532% | 3,280 |
| Noninterest income to average assets | 0.2167% | 3,903 |
| Noninterest expense to average assets | 1.8194% | 3,905 |
| Loan and lease loss provision to assets | 0.0507% | 1,674 |
| Net operating income to assets | 0.8312% | 2,846 |
| Return on assets (ROA) | 0.8312% | 2,823 |
| Pretax return on assets | 1.0631% | 2,533 |
| Return on Equity (ROE) | 6.5689% | 3,431 |
| Retained earnings to average equity (ytd only) | 6.5689% | 2,151 |
| Net charge-offs to loans | -0.0005% | 2,983 |
| Credit loss provision to net charge-offs | -16,500.0000% | 3,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9232% | 3,054 |
| Assets per employee ($millions) | 12.2758% | 349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6749% | 4,378 |
| Loan loss allowance to noncurrent loans | 94.8067% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 0.4735% | 1,201 |
| Noncurrent loans to loans | 0.7119% | 1,215 |
| Net loans and leases to total assets | 66.0630% | 1,681 |
| Net loans and leases to deposits | 79.2775% | 1,439 |
| Net loans and leases to core deposits | 83.4606% | 1,485 |
| Total domestic deposits to total assets | 83.3314% | 3,812 |
| Equity capital to assets | 12.5054% | 758 |
| Core capital (leverage) ratio | 12.7830% | 877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8320% | 1,015 |
| Memoranda: |
| Average total assets | $1,952,102,000 | 558 |
| Average earning assets | $1,858,544,667 | 542 |
| Average equity | $247,012,000 | 449 |
| Average total loans | $1,286,462,667 | 531 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0895% | 3,005 |
| Cost of funding earning assets | 0.3395% | 1,290 |
| Net interest margin | 2.7500% | 3,280 |
| Noninterest income to average assets | 0.2011% | 3,958 |
| Noninterest expense to average assets | 1.8080% | 3,923 |
| Loan and lease loss provision to assets | 0.0592% | 1,344 |
| Net operating income to assets | 0.7517% | 2,849 |
| Return on assets (ROA) | 0.7517% | 2,843 |
| Pretax return on assets | 0.9511% | 2,598 |
| Return on Equity (ROE) | 5.9048% | 3,373 |
| Retained earnings to average equity (ytd only) | 5.9048% | 2,281 |
| Net charge-offs to loans | 0.0013% | 1,795 |
| Credit loss provision to net charge-offs | 7,150.0000% | 64 |
| Earnings coverage of net charge-offs (x) | 1,221.0000% | 70 |
| Efficiency ratio | 64.0367% | 3,023 |
| Assets per employee ($millions) | 12.0846% | 384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6766% | 4,427 |
| Loan loss allowance to noncurrent loans | 105.1926% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 0.4178% | 1,451 |
| Noncurrent loans to loans | 0.6432% | 1,466 |
| Net loans and leases to total assets | 64.5188% | 1,551 |
| Net loans and leases to deposits | 77.3708% | 1,336 |
| Net loans and leases to core deposits | 81.9667% | 1,354 |
| Total domestic deposits to total assets | 83.3891% | 3,886 |
| Equity capital to assets | 12.4615% | 821 |
| Core capital (leverage) ratio | 12.8553% | 809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8313% | 1,074 |
| Memoranda: |
| Average total assets | $1,933,815,500 | 566 |
| Average earning assets | $1,840,407,500 | 551 |
| Average equity | $246,172,500 | 457 |
| Average total loans | $1,268,341,500 | 534 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2640% | 3,314 |
| Cost of funding earning assets | 0.4503% | 1,197 |
| Net interest margin | 2.8137% | 3,628 |
| Noninterest income to average assets | 0.1653% | 4,331 |
| Noninterest expense to average assets | 1.8585% | 4,034 |
| Loan and lease loss provision to assets | -0.0330% | 4,283 |
| Net operating income to assets | 0.8119% | 3,298 |
| Return on assets (ROA) | 0.8169% | 3,350 |
| Pretax return on assets | 1.0262% | 3,187 |
| Return on Equity (ROE) | 6.4177% | 3,670 |
| Retained earnings to average equity (ytd only) | 6.4177% | 2,171 |
| Net charge-offs to loans | -0.0295% | 4,117 |
| Credit loss provision to net charge-offs | 168.1319% | 1,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1805% | 2,373 |
| Assets per employee ($millions) | 11.4289% | 455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6747% | 4,467 |
| Loan loss allowance to noncurrent loans | 102.0954% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 0.4378% | 1,503 |
| Noncurrent loans to loans | 0.6609% | 1,514 |
| Net loans and leases to total assets | 65.8018% | 1,491 |
| Net loans and leases to deposits | 79.9414% | 1,219 |
| Net loans and leases to core deposits | 85.2749% | 1,243 |
| Total domestic deposits to total assets | 82.3125% | 3,919 |
| Equity capital to assets | 13.0119% | 892 |
| Core capital (leverage) ratio | 12.9148% | 826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2796% | 990 |
| Memoranda: |
| Average total assets | $1,854,662,400 | 574 |
| Average earning assets | $1,766,708,000 | 552 |
| Average equity | $236,064,200 | 469 |
| Average total loans | $1,234,989,000 | 552 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2407% | 3,529 |
| Cost of funding earning assets | 0.4739% | 1,190 |
| Net interest margin | 2.7668% | 3,848 |
| Noninterest income to average assets | 0.1315% | 4,540 |
| Noninterest expense to average assets | 1.8634% | 4,028 |
| Loan and lease loss provision to assets | -0.0632% | 4,507 |
| Net operating income to assets | 0.7702% | 3,596 |
| Return on assets (ROA) | 0.7768% | 3,646 |
| Pretax return on assets | 0.9760% | 3,529 |
| Return on Equity (ROE) | 6.1378% | 3,877 |
| Retained earnings to average equity (ytd only) | 6.1378% | 2,766 |
| Net charge-offs to loans | -0.0388% | 4,242 |
| Credit loss provision to net charge-offs | 244.6927% | 1,112 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1796% | 1,942 |
| Assets per employee ($millions) | 11.5565% | 423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6722% | 4,547 |
| Loan loss allowance to noncurrent loans | 126.2417% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 0.3452% | 2,060 |
| Noncurrent loans to loans | 0.5325% | 1,980 |
| Net loans and leases to total assets | 64.3934% | 1,721 |
| Net loans and leases to deposits | 78.5568% | 1,433 |
| Net loans and leases to core deposits | 83.9388% | 1,433 |
| Total domestic deposits to total assets | 81.9705% | 3,936 |
| Equity capital to assets | 12.8670% | 1,031 |
| Core capital (leverage) ratio | 12.7164% | 923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4565% | 1,057 |
| Memoranda: |
| Average total assets | $1,846,887,250 | 582 |
| Average earning assets | $1,759,924,250 | 560 |
| Average equity | $233,736,750 | 476 |
| Average total loans | $1,231,412,500 | 559 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2542% | 3,549 |
| Cost of funding earning assets | 0.5102% | 1,142 |
| Net interest margin | 2.7440% | 3,891 |
| Noninterest income to average assets | 0.1260% | 4,574 |
| Noninterest expense to average assets | 1.8798% | 4,015 |
| Loan and lease loss provision to assets | -0.0967% | 4,621 |
| Net operating income to assets | 0.7617% | 3,611 |
| Return on assets (ROA) | 0.7715% | 3,652 |
| Pretax return on assets | 0.9727% | 3,494 |
| Return on Equity (ROE) | 6.1309% | 3,873 |
| Retained earnings to average equity (ytd only) | 6.1309% | 2,751 |
| Net charge-offs to loans | -0.0150% | 3,857 |
| Credit loss provision to net charge-offs | 955.9140% | 489 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3718% | 1,833 |
| Assets per employee ($millions) | 11.5694% | 397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6421% | 4,609 |
| Loan loss allowance to noncurrent loans | 121.8272% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 0.3452% | 2,211 |
| Noncurrent loans to loans | 0.5270% | 2,092 |
| Net loans and leases to total assets | 65.0696% | 1,818 |
| Net loans and leases to deposits | 79.7369% | 1,450 |
| Net loans and leases to core deposits | 85.3696% | 1,463 |
| Total domestic deposits to total assets | 81.6054% | 3,993 |
| Equity capital to assets | 12.6495% | 1,063 |
| Core capital (leverage) ratio | 12.4790% | 935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5346% | 1,028 |
| Memoranda: |
| Average total assets | $1,838,467,333 | 578 |
| Average earning assets | $1,753,662,333 | 556 |
| Average equity | $231,352,333 | 476 |
| Average total loans | $1,237,317,333 | 554 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2024% | 3,687 |
| Cost of funding earning assets | 0.5465% | 1,123 |
| Net interest margin | 2.6559% | 4,047 |
| Noninterest income to average assets | 0.1175% | 4,598 |
| Noninterest expense to average assets | 1.8638% | 4,072 |
| Loan and lease loss provision to assets | -0.1964% | 4,810 |
| Net operating income to assets | 0.7808% | 3,481 |
| Return on assets (ROA) | 0.8006% | 3,492 |
| Pretax return on assets | 1.0144% | 3,334 |
| Return on Equity (ROE) | 6.3793% | 3,755 |
| Retained earnings to average equity (ytd only) | 6.3793% | 2,769 |
| Net charge-offs to loans | -0.0264% | 4,115 |
| Credit loss provision to net charge-offs | 1,090.2439% | 391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9884% | 1,699 |
| Assets per employee ($millions) | 11.2963% | 411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6272% | 4,655 |
| Loan loss allowance to noncurrent loans | 283.6278% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.1497% | 3,419 |
| Noncurrent loans to loans | 0.2212% | 3,307 |
| Net loans and leases to total assets | 67.2588% | 1,629 |
| Net loans and leases to deposits | 83.4704% | 1,199 |
| Net loans and leases to core deposits | 90.8869% | 1,176 |
| Total domestic deposits to total assets | 80.5781% | 4,131 |
| Equity capital to assets | 12.4319% | 1,105 |
| Core capital (leverage) ratio | 12.7572% | 903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3274% | 1,021 |
| Memoranda: |
| Average total assets | $1,820,579,500 | 575 |
| Average earning assets | $1,740,569,500 | 554 |
| Average equity | $228,487,500 | 475 |
| Average total loans | $1,242,254,500 | 555 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5477% | 3,926 |
| Cost of funding earning assets | 0.8060% | 1,181 |
| Net interest margin | 2.7417% | 4,334 |
| Noninterest income to average assets | 0.1887% | 4,343 |
| Noninterest expense to average assets | 1.9487% | 4,231 |
| Loan and lease loss provision to assets | 0.1454% | 2,550 |
| Net operating income to assets | 0.5535% | 3,894 |
| Return on assets (ROA) | 0.5552% | 3,990 |
| Pretax return on assets | 0.7114% | 3,857 |
| Return on Equity (ROE) | 4.3696% | 4,069 |
| Retained earnings to average equity (ytd only) | 4.3696% | 2,606 |
| Net charge-offs to loans | 0.0060% | 3,131 |
| Credit loss provision to net charge-offs | 3,471.2329% | 293 |
| Earnings coverage of net charge-offs (x) | 204.0000% | 462 |
| Efficiency ratio | 69.3363% | 2,043 |
| Assets per employee ($millions) | 10.7745% | 424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7051% | 4,581 |
| Loan loss allowance to noncurrent loans | 321.2514% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.1510% | 3,522 |
| Noncurrent loans to loans | 0.2195% | 3,416 |
| Net loans and leases to total assets | 68.3192% | 1,783 |
| Net loans and leases to deposits | 86.0278% | 1,253 |
| Net loans and leases to core deposits | 94.2629% | 1,230 |
| Total domestic deposits to total assets | 79.4153% | 4,150 |
| Equity capital to assets | 12.6729% | 1,247 |
| Core capital (leverage) ratio | 12.6642% | 986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4192% | 980 |
| Memoranda: |
| Average total assets | $1,742,396,600 | 543 |
| Average earning assets | $1,661,654,800 | 525 |
| Average equity | $221,390,800 | 466 |
| Average total loans | $1,221,565,600 | 542 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6135% | 3,983 |
| Cost of funding earning assets | 0.8541% | 1,240 |
| Net interest margin | 2.7593% | 4,391 |
| Noninterest income to average assets | 0.1918% | 4,326 |
| Noninterest expense to average assets | 1.9591% | 4,235 |
| Loan and lease loss provision to assets | 0.1870% | 2,116 |
| Net operating income to assets | 0.5300% | 3,956 |
| Return on assets (ROA) | 0.5323% | 4,044 |
| Pretax return on assets | 0.6790% | 3,945 |
| Return on Equity (ROE) | 4.1864% | 4,119 |
| Retained earnings to average equity (ytd only) | 4.1864% | 2,954 |
| Net charge-offs to loans | -0.0032% | 3,958 |
| Credit loss provision to net charge-offs | -8,368.9655% | 4,319 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2398% | 1,999 |
| Assets per employee ($millions) | 10.6549% | 415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7131% | 4,556 |
| Loan loss allowance to noncurrent loans | 308.5023% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.1570% | 3,627 |
| Noncurrent loans to loans | 0.2312% | 3,477 |
| Net loans and leases to total assets | 67.4521% | 2,326 |
| Net loans and leases to deposits | 84.9125% | 1,818 |
| Net loans and leases to core deposits | 94.4745% | 1,595 |
| Total domestic deposits to total assets | 79.4372% | 3,977 |
| Equity capital to assets | 12.4793% | 1,439 |
| Core capital (leverage) ratio | 12.4054% | 1,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2410% | 1,014 |
| Memoranda: |
| Average total assets | $1,730,852,250 | 537 |
| Average earning assets | $1,649,867,500 | 521 |
| Average equity | $220,072,500 | 462 |
| Average total loans | $1,219,302,750 | 534 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7017% | 4,090 |
| Cost of funding earning assets | 0.9162% | 1,295 |
| Net interest margin | 2.7856% | 4,471 |
| Noninterest income to average assets | 0.2153% | 4,197 |
| Noninterest expense to average assets | 1.9746% | 4,282 |
| Loan and lease loss provision to assets | 0.2709% | 1,579 |
| Net operating income to assets | 0.4851% | 4,056 |
| Return on assets (ROA) | 0.4886% | 4,120 |
| Pretax return on assets | 0.6281% | 4,009 |
| Return on Equity (ROE) | 3.8179% | 4,156 |
| Retained earnings to average equity (ytd only) | 3.8179% | 3,003 |
| Net charge-offs to loans | -0.0172% | 4,364 |
| Credit loss provision to net charge-offs | -2,207.6190% | 3,920 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6329% | 2,152 |
| Assets per employee ($millions) | 10.6017% | 432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6863% | 4,598 |
| Loan loss allowance to noncurrent loans | 388.4442% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.1241% | 3,909 |
| Noncurrent loans to loans | 0.1767% | 3,739 |
| Net loans and leases to total assets | 69.7775% | 2,065 |
| Net loans and leases to deposits | 87.6753% | 1,592 |
| Net loans and leases to core deposits | 97.4395% | 1,462 |
| Total domestic deposits to total assets | 79.5863% | 3,919 |
| Equity capital to assets | 12.2913% | 1,486 |
| Core capital (leverage) ratio | 12.5120% | 1,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6451% | 1,103 |
| Memoranda: |
| Average total assets | $1,711,127,000 | 534 |
| Average earning assets | $1,630,258,000 | 516 |
| Average equity | $218,969,000 | 462 |
| Average total loans | $1,220,375,667 | 520 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8614% | 4,109 |
| Cost of funding earning assets | 0.9959% | 1,434 |
| Net interest margin | 2.8655% | 4,484 |
| Noninterest income to average assets | 0.1458% | 4,634 |
| Noninterest expense to average assets | 2.0222% | 4,358 |
| Loan and lease loss provision to assets | 0.4807% | 618 |
| Net operating income to assets | 0.2844% | 4,376 |
| Return on assets (ROA) | 0.2913% | 4,389 |
| Pretax return on assets | 0.3775% | 4,334 |
| Return on Equity (ROE) | 2.2295% | 4,400 |
| Retained earnings to average equity (ytd only) | 2.2295% | 3,358 |
| Net charge-offs to loans | -0.0406% | 4,572 |
| Credit loss provision to net charge-offs | -1,645.9016% | 3,671 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2209% | 2,319 |
| Assets per employee ($millions) | 9.8566% | 401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6845% | 4,637 |
| Loan loss allowance to noncurrent loans | 371.7595% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.1324% | 3,979 |
| Noncurrent loans to loans | 0.1841% | 3,816 |
| Net loans and leases to total assets | 71.4320% | 2,013 |
| Net loans and leases to deposits | 91.0496% | 1,401 |
| Net loans and leases to core deposits | 104.2293% | 1,175 |
| Total domestic deposits to total assets | 78.4539% | 4,147 |
| Equity capital to assets | 12.9292% | 1,463 |
| Core capital (leverage) ratio | 13.1403% | 1,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4426% | 1,245 |
| Memoranda: |
| Average total assets | $1,670,846,000 | 528 |
| Average earning assets | $1,589,372,000 | 513 |
| Average equity | $218,342,500 | 461 |
| Average total loans | $1,201,146,000 | 509 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8887% | 4,453 |
| Cost of funding earning assets | 0.9753% | 1,831 |
| Net interest margin | 2.9134% | 4,640 |
| Noninterest income to average assets | 0.1896% | 4,531 |
| Noninterest expense to average assets | 2.1566% | 4,252 |
| Loan and lease loss provision to assets | 0.0929% | 2,175 |
| Net operating income to assets | 0.5488% | 4,292 |
| Return on assets (ROA) | 0.5491% | 4,348 |
| Pretax return on assets | 0.7179% | 4,167 |
| Return on Equity (ROE) | 4.1623% | 4,427 |
| Retained earnings to average equity (ytd only) | 4.1623% | 2,878 |
| Net charge-offs to loans | 0.0205% | 3,002 |
| Credit loss provision to net charge-offs | 686.6359% | 464 |
| Earnings coverage of net charge-offs (x) | 59.8756% | 983 |
| Efficiency ratio | 72.4727% | 1,799 |
| Assets per employee ($millions) | 9.4618% | 421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5255% | 4,861 |
| Loan loss allowance to noncurrent loans | 301.0169% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.1424% | 3,925 |
| Noncurrent loans to loans | 0.1746% | 3,833 |
| Net loans and leases to total assets | 71.4741% | 2,174 |
| Net loans and leases to deposits | 89.7860% | 1,613 |
| Net loans and leases to core deposits | 101.6454% | 1,435 |
| Total domestic deposits to total assets | 79.6050% | 4,054 |
| Equity capital to assets | 13.2104% | 1,411 |
| Core capital (leverage) ratio | 13.0044% | 1,234 |
| Tier 1 risk-based capital ratio | 17.2403% | 1,984 |
| Total risk-based capital ratio | 17.7374% | 2,163 |
| Memoranda: |
| Average total assets | $1,603,331,800 | 527 |
| Average earning assets | $1,528,504,200 | 506 |
| Average equity | $211,517,600 | 459 |
| Average total loans | $1,056,323,400 | 546 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8340% | 4,630 |
| Cost of funding earning assets | 0.9380% | 2,051 |
| Net interest margin | 2.8960% | 4,760 |
| Noninterest income to average assets | 0.2060% | 4,485 |
| Noninterest expense to average assets | 2.1713% | 4,233 |
| Loan and lease loss provision to assets | 0.0903% | 2,099 |
| Net operating income to assets | 0.5384% | 4,431 |
| Return on assets (ROA) | 0.5389% | 4,486 |
| Pretax return on assets | 0.7077% | 4,327 |
| Return on Equity (ROE) | 4.0864% | 4,573 |
| Retained earnings to average equity (ytd only) | 4.0864% | 3,354 |
| Net charge-offs to loans | 0.0036% | 3,282 |
| Credit loss provision to net charge-offs | 3,850.0000% | 111 |
| Earnings coverage of net charge-offs (x) | 340.1647% | 288 |
| Efficiency ratio | 72.9208% | 1,713 |
| Assets per employee ($millions) | 9.5691% | 397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5132% | 4,958 |
| Loan loss allowance to noncurrent loans | 154.2997% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 0.2863% | 3,410 |
| Noncurrent loans to loans | 0.3326% | 3,344 |
| Net loans and leases to total assets | 70.1855% | 2,441 |
| Net loans and leases to deposits | 89.8204% | 1,719 |
| Net loans and leases to core deposits | 101.6973% | 1,530 |
| Total domestic deposits to total assets | 78.1398% | 4,318 |
| Equity capital to assets | 12.9584% | 1,652 |
| Core capital (leverage) ratio | 12.8944% | 1,384 |
| Tier 1 risk-based capital ratio | 17.1557% | 2,037 |
| Total risk-based capital ratio | 17.6385% | 2,240 |
| Memoranda: |
| Average total assets | $1,592,575,750 | 532 |
| Average earning assets | $1,519,240,750 | 508 |
| Average equity | $210,024,250 | 459 |
| Average total loans | $1,024,670,750 | 562 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6818% | 4,848 |
| Cost of funding earning assets | 0.8618% | 2,342 |
| Net interest margin | 2.8200% | 4,905 |
| Noninterest income to average assets | 0.2087% | 4,491 |
| Noninterest expense to average assets | 2.1952% | 4,234 |
| Loan and lease loss provision to assets | 0.0947% | 1,960 |
| Net operating income to assets | 0.4602% | 4,617 |
| Return on assets (ROA) | 0.4609% | 4,647 |
| Pretax return on assets | 0.6148% | 4,519 |
| Return on Equity (ROE) | 3.4739% | 4,693 |
| Retained earnings to average equity (ytd only) | 3.4739% | 3,503 |
| Net charge-offs to loans | 0.0049% | 2,984 |
| Credit loss provision to net charge-offs | 3,100.0000% | 116 |
| Earnings coverage of net charge-offs (x) | 232.0000% | 345 |
| Efficiency ratio | 75.3616% | 1,476 |
| Assets per employee ($millions) | 9.5173% | 394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5182% | 4,994 |
| Loan loss allowance to noncurrent loans | 134.8250% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 0.3274% | 3,224 |
| Noncurrent loans to loans | 0.3844% | 3,151 |
| Net loans and leases to total assets | 66.4202% | 3,051 |
| Net loans and leases to deposits | 84.1315% | 2,482 |
| Net loans and leases to core deposits | 95.0714% | 2,145 |
| Total domestic deposits to total assets | 78.9481% | 4,234 |
| Equity capital to assets | 12.9021% | 1,637 |
| Core capital (leverage) ratio | 13.8141% | 1,018 |
| Tier 1 risk-based capital ratio | 17.9631% | 1,818 |
| Total risk-based capital ratio | 18.4478% | 1,980 |
| Memoranda: |
| Average total assets | $1,571,616,670 | 534 |
| Average earning assets | $1,501,998,670 | 512 |
| Average equity | $208,525,670 | 459 |
| Average total loans | $976,934,000 | 589 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7186% | 4,817 |
| Cost of funding earning assets | 0.8411% | 2,320 |
| Net interest margin | 2.8775% | 4,906 |
| Noninterest income to average assets | 0.1656% | 4,747 |
| Noninterest expense to average assets | 2.2384% | 4,166 |
| Loan and lease loss provision to assets | 0.0018% | 3,395 |
| Net operating income to assets | 0.5146% | 4,479 |
| Return on assets (ROA) | 0.5146% | 4,500 |
| Pretax return on assets | 0.6766% | 4,357 |
| Return on Equity (ROE) | 3.8226% | 4,612 |
| Retained earnings to average equity (ytd only) | 3.8226% | 3,391 |
| Net charge-offs to loans | 0.0022% | 2,680 |
| Credit loss provision to net charge-offs | 140.0000% | 1,295 |
| Earnings coverage of net charge-offs (x) | 522.0000% | 138 |
| Efficiency ratio | 76.4926% | 1,449 |
| Assets per employee ($millions) | 9.0126% | 472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5290% | 5,049 |
| Loan loss allowance to noncurrent loans | 105.1457% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 0.3516% | 3,197 |
| Noncurrent loans to loans | 0.5032% | 2,805 |
| Net loans and leases to total assets | 61.0424% | 3,598 |
| Net loans and leases to deposits | 73.3956% | 3,497 |
| Net loans and leases to core deposits | 81.5853% | 3,217 |
| Total domestic deposits to total assets | 83.1691% | 3,325 |
| Equity capital to assets | 13.6988% | 1,127 |
| Core capital (leverage) ratio | 13.7075% | 1,024 |
| Tier 1 risk-based capital ratio | 20.4731% | 1,251 |
| Total risk-based capital ratio | 20.9599% | 1,373 |
| Memoranda: |
| Average total assets | $1,538,940,000 | 544 |
| Average earning assets | $1,471,421,500 | 525 |
| Average equity | $207,186,500 | 459 |
| Average total loans | $918,930,000 | 630 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5981% | 4,801 |
| Cost of funding earning assets | 0.6184% | 2,596 |
| Net interest margin | 2.9797% | 4,822 |
| Noninterest income to average assets | 0.1826% | 4,810 |
| Noninterest expense to average assets | 2.1698% | 4,407 |
| Loan and lease loss provision to assets | 0.0097% | 3,927 |
| Net operating income to assets | 0.6401% | 4,317 |
| Return on assets (ROA) | 0.6464% | 4,302 |
| Pretax return on assets | 0.8582% | 4,018 |
| Return on Equity (ROE) | 4.7857% | 4,510 |
| Retained earnings to average equity (ytd only) | 4.7857% | 2,899 |
| Net charge-offs to loans | -0.0371% | 4,880 |
| Credit loss provision to net charge-offs | -43.9024% | 4,323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3541% | 1,992 |
| Assets per employee ($millions) | 9.0921% | 451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5473% | 5,066 |
| Loan loss allowance to noncurrent loans | 90.8640% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 0.3867% | 3,017 |
| Noncurrent loans to loans | 0.6023% | 2,473 |
| Net loans and leases to total assets | 57.7724% | 3,992 |
| Net loans and leases to deposits | 69.0091% | 3,904 |
| Net loans and leases to core deposits | 76.7406% | 3,664 |
| Total domestic deposits to total assets | 83.7171% | 3,077 |
| Equity capital to assets | 13.2318% | 1,239 |
| Core capital (leverage) ratio | 13.7838% | 987 |
| Tier 1 risk-based capital ratio | 20.7341% | 1,189 |
| Total risk-based capital ratio | 21.2322% | 1,285 |
| Memoranda: |
| Average total assets | $1,481,048,400 | 550 |
| Average earning assets | $1,415,193,000 | 526 |
| Average equity | $200,033,600 | 449 |
| Average total loans | $884,013,200 | 626 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5946% | 4,817 |
| Cost of funding earning assets | 0.5807% | 2,629 |
| Net interest margin | 3.0139% | 4,828 |
| Noninterest income to average assets | 0.1674% | 4,947 |
| Noninterest expense to average assets | 2.1657% | 4,398 |
| Loan and lease loss provision to assets | 0.0126% | 3,746 |
| Net operating income to assets | 0.6528% | 4,361 |
| Return on assets (ROA) | 0.6572% | 4,362 |
| Pretax return on assets | 0.8734% | 4,108 |
| Return on Equity (ROE) | 4.8401% | 4,617 |
| Retained earnings to average equity (ytd only) | 4.8401% | 3,323 |
| Net charge-offs to loans | -0.0531% | 4,952 |
| Credit loss provision to net charge-offs | -39.4286% | 4,145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8305% | 2,070 |
| Assets per employee ($millions) | 8.5661% | 517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5518% | 5,124 |
| Loan loss allowance to noncurrent loans | 64.9679% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 0.5692% | 2,481 |
| Noncurrent loans to loans | 0.8494% | 2,005 |
| Net loans and leases to total assets | 60.6565% | 3,781 |
| Net loans and leases to deposits | 72.6238% | 3,716 |
| Net loans and leases to core deposits | 80.3909% | 3,463 |
| Total domestic deposits to total assets | 83.5215% | 3,113 |
| Equity capital to assets | 13.7533% | 1,038 |
| Core capital (leverage) ratio | 13.7995% | 996 |
| Tier 1 risk-based capital ratio | 21.1662% | 1,164 |
| Total risk-based capital ratio | 21.6830% | 1,229 |
| Memoranda: |
| Average total assets | $1,462,623,250 | 552 |
| Average earning assets | $1,397,005,500 | 526 |
| Average equity | $198,611,500 | 451 |
| Average total loans | $879,226,750 | 627 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5938% | 4,776 |
| Cost of funding earning assets | 0.5406% | 2,683 |
| Net interest margin | 3.0532% | 4,805 |
| Noninterest income to average assets | 0.1563% | 5,044 |
| Noninterest expense to average assets | 2.1743% | 4,428 |
| Loan and lease loss provision to assets | 0.0108% | 3,640 |
| Net operating income to assets | 0.6617% | 4,317 |
| Return on assets (ROA) | 0.6684% | 4,294 |
| Pretax return on assets | 0.8959% | 3,980 |
| Return on Equity (ROE) | 4.9435% | 4,566 |
| Retained earnings to average equity (ytd only) | 4.9435% | 3,106 |
| Net charge-offs to loans | -0.0811% | 5,088 |
| Credit loss provision to net charge-offs | -22.3164% | 3,957 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4885% | 2,241 |
| Assets per employee ($millions) | 8.7010% | 489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5453% | 5,203 |
| Loan loss allowance to noncurrent loans | 61.2923% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 0.5720% | 2,515 |
| Noncurrent loans to loans | 0.8898% | 1,943 |
| Net loans and leases to total assets | 60.4620% | 3,768 |
| Net loans and leases to deposits | 72.1554% | 3,705 |
| Net loans and leases to core deposits | 79.5902% | 3,455 |
| Total domestic deposits to total assets | 83.7942% | 3,133 |
| Equity capital to assets | 13.5249% | 1,094 |
| Core capital (leverage) ratio | 13.6100% | 1,029 |
| Tier 1 risk-based capital ratio | 21.1064% | 1,155 |
| Total risk-based capital ratio | 21.6226% | 1,238 |
| Memoranda: |
| Average total assets | $1,459,041,670 | 551 |
| Average earning assets | $1,393,629,670 | 527 |
| Average equity | $197,270,000 | 451 |
| Average total loans | $872,751,670 | 630 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3738% | 5,050 |
| Cost of funding earning assets | 0.4835% | 2,922 |
| Net interest margin | 2.8903% | 5,043 |
| Noninterest income to average assets | 0.1532% | 5,097 |
| Noninterest expense to average assets | 2.1320% | 4,577 |
| Loan and lease loss provision to assets | 0.0149% | 3,339 |
| Net operating income to assets | 0.6054% | 4,409 |
| Return on assets (ROA) | 0.6054% | 4,415 |
| Pretax return on assets | 0.7652% | 4,238 |
| Return on Equity (ROE) | 4.4783% | 4,642 |
| Retained earnings to average equity (ytd only) | 4.4783% | 3,407 |
| Net charge-offs to loans | -0.0461% | 4,934 |
| Credit loss provision to net charge-offs | -54.5455% | 3,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9074% | 2,053 |
| Assets per employee ($millions) | 8.5636% | 515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5232% | 5,300 |
| Loan loss allowance to noncurrent loans | 49.4070% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 0.6526% | 2,368 |
| Noncurrent loans to loans | 1.0589% | 1,732 |
| Net loans and leases to total assets | 60.3962% | 3,711 |
| Net loans and leases to deposits | 75.1825% | 3,300 |
| Net loans and leases to core deposits | 78.7407% | 3,431 |
| Total domestic deposits to total assets | 80.3328% | 4,357 |
| Equity capital to assets | 13.5244% | 1,040 |
| Core capital (leverage) ratio | 13.9707% | 884 |
| Tier 1 risk-based capital ratio | 21.1570% | 1,181 |
| Total risk-based capital ratio | 21.6522% | 1,258 |
| Memoranda: |
| Average total assets | $1,448,977,500 | 553 |
| Average earning assets | $1,383,111,000 | 533 |
| Average equity | $195,876,500 | 458 |
| Average total loans | $859,507,500 | 639 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3533% | 5,007 |
| Cost of funding earning assets | 0.4527% | 2,752 |
| Net interest margin | 2.9006% | 5,042 |
| Noninterest income to average assets | 0.1708% | 5,103 |
| Noninterest expense to average assets | 2.1764% | 4,575 |
| Loan and lease loss provision to assets | 0.0412% | 3,443 |
| Net operating income to assets | 0.4035% | 4,676 |
| Return on assets (ROA) | 0.4115% | 4,677 |
| Pretax return on assets | 0.7258% | 4,446 |
| Return on Equity (ROE) | 3.5120% | 4,683 |
| Retained earnings to average equity (ytd only) | 3.5120% | 3,175 |
| Net charge-offs to loans | 0.0903% | 2,185 |
| Credit loss provision to net charge-offs | 78.4044% | 2,968 |
| Earnings coverage of net charge-offs (x) | 14.3741% | 2,330 |
| Efficiency ratio | 73.9285% | 1,904 |
| Assets per employee ($millions) | 8.5334% | 527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5354% | 5,348 |
| Loan loss allowance to noncurrent loans | 44.3024% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 0.6998% | 2,221 |
| Noncurrent loans to loans | 1.2084% | 1,468 |
| Net loans and leases to total assets | 57.5994% | 4,050 |
| Net loans and leases to deposits | 69.4122% | 3,921 |
| Net loans and leases to core deposits | 72.4511% | 4,019 |
| Total domestic deposits to total assets | 82.9817% | 3,569 |
| Equity capital to assets | 13.5121% | 1,057 |
| Core capital (leverage) ratio | 13.8325% | 874 |
| Tier 1 risk-based capital ratio | 21.6368% | 1,054 |
| Total risk-based capital ratio | 22.1324% | 1,142 |
| Memoranda: |
| Average total assets | $1,385,145,600 | 555 |
| Average earning assets | $1,318,019,600 | 538 |
| Average equity | $162,299,000 | 513 |
| Average total loans | $805,534,400 | 653 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3264% | 5,073 |
| Cost of funding earning assets | 0.4429% | 2,780 |
| Net interest margin | 2.8834% | 5,109 |
| Noninterest income to average assets | 0.1620% | 5,208 |
| Noninterest expense to average assets | 2.1561% | 4,623 |
| Loan and lease loss provision to assets | 0.0360% | 3,395 |
| Net operating income to assets | 0.4876% | 4,767 |
| Return on assets (ROA) | 0.4993% | 4,768 |
| Pretax return on assets | 0.7285% | 4,533 |
| Return on Equity (ROE) | 4.4404% | 4,731 |
| Retained earnings to average equity (ytd only) | 4.4404% | 3,257 |
| Net charge-offs to loans | -0.0451% | 5,136 |
| Credit loss provision to net charge-offs | -137.0370% | 4,562 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9139% | 1,906 |
| Assets per employee ($millions) | 8.2462% | 577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6253% | 5,282 |
| Loan loss allowance to noncurrent loans | 36.9606% | 4,820 |
| Noncurrent assets plus other real estate owned to assets | 1.0801% | 1,546 |
| Noncurrent loans to loans | 1.6918% | 1,068 |
| Net loans and leases to total assets | 59.3738% | 3,936 |
| Net loans and leases to deposits | 72.2252% | 3,746 |
| Net loans and leases to core deposits | 75.5108% | 3,840 |
| Total domestic deposits to total assets | 82.2064% | 3,711 |
| Equity capital to assets | 13.7789% | 1,052 |
| Core capital (leverage) ratio | 13.5195% | 1,016 |
| Tier 1 risk-based capital ratio | 21.2227% | 1,160 |
| Total risk-based capital ratio | 21.8017% | 1,240 |
| Memoranda: |
| Average total assets | $1,370,895,250 | 561 |
| Average earning assets | $1,303,454,750 | 544 |
| Average equity | $154,157,750 | 540 |
| Average total loans | $798,133,250 | 659 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2792% | 5,135 |
| Cost of funding earning assets | 0.4255% | 2,843 |
| Net interest margin | 2.8537% | 5,161 |
| Noninterest income to average assets | 0.1666% | 5,226 |
| Noninterest expense to average assets | 2.1152% | 4,744 |
| Loan and lease loss provision to assets | 0.0346% | 3,299 |
| Net operating income to assets | 0.4989% | 4,709 |
| Return on assets (ROA) | 0.4989% | 4,744 |
| Pretax return on assets | 0.7280% | 4,478 |
| Return on Equity (ROE) | 4.8132% | 4,559 |
| Retained earnings to average equity (ytd only) | 4.8132% | 2,839 |
| Net charge-offs to loans | -0.0733% | 5,316 |
| Credit loss provision to net charge-offs | -81.8815% | 4,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1436% | 2,164 |
| Assets per employee ($millions) | 8.3360% | 540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6366% | 5,325 |
| Loan loss allowance to noncurrent loans | 32.3046% | 4,931 |
| Noncurrent assets plus other real estate owned to assets | 1.1869% | 1,434 |
| Noncurrent loans to loans | 1.9707% | 858 |
| Net loans and leases to total assets | 56.3890% | 4,185 |
| Net loans and leases to deposits | 68.7332% | 4,011 |
| Net loans and leases to core deposits | 71.7378% | 4,110 |
| Total domestic deposits to total assets | 82.0404% | 3,879 |
| Equity capital to assets | 13.4909% | 1,147 |
| Core capital (leverage) ratio | 13.6547% | 952 |
| Tier 1 risk-based capital ratio | 21.6864% | 1,086 |
| Total risk-based capital ratio | 22.2712% | 1,154 |
| Memoranda: |
| Average total assets | $1,358,054,330 | 567 |
| Average earning assets | $1,290,270,000 | 552 |
| Average equity | $140,778,330 | 580 |
| Average total loans | $783,346,000 | 673 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3131% | 5,084 |
| Cost of funding earning assets | 0.4168% | 2,837 |
| Net interest margin | 2.8963% | 5,090 |
| Noninterest income to average assets | 0.1414% | 5,403 |
| Noninterest expense to average assets | 1.9816% | 5,093 |
| Loan and lease loss provision to assets | 0.0710% | 2,386 |
| Net operating income to assets | 0.5711% | 4,274 |
| Return on assets (ROA) | 0.5711% | 4,321 |
| Pretax return on assets | 0.8363% | 3,986 |
| Return on Equity (ROE) | 6.5766% | 3,623 |
| Retained earnings to average equity (ytd only) | 6.5766% | 2,042 |
| Net charge-offs to loans | 0.0171% | 2,445 |
| Credit loss provision to net charge-offs | 712.1212% | 451 |
| Earnings coverage of net charge-offs (x) | 91.0303% | 584 |
| Efficiency ratio | 68.2175% | 3,159 |
| Assets per employee ($millions) | 8.3785% | 528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6227% | 5,440 |
| Loan loss allowance to noncurrent loans | 32.9693% | 4,995 |
| Noncurrent assets plus other real estate owned to assets | 1.1645% | 1,512 |
| Noncurrent loans to loans | 1.8886% | 970 |
| Net loans and leases to total assets | 54.7650% | 4,275 |
| Net loans and leases to deposits | 68.6931% | 3,921 |
| Net loans and leases to core deposits | 71.9820% | 3,987 |
| Total domestic deposits to total assets | 79.7242% | 4,677 |
| Equity capital to assets | 8.3312% | 5,339 |
| Core capital (leverage) ratio | 9.1269% | 4,573 |
| Tier 1 risk-based capital ratio | 13.9905% | 3,489 |
| Total risk-based capital ratio | 14.5713% | 3,791 |
| Memoranda: |
| Average total assets | $1,324,351,000 | 585 |
| Average earning assets | $1,256,352,500 | 566 |
| Average equity | $115,013,500 | 716 |
| Average total loans | $770,542,500 | 681 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3932% | 4,995 |
| Cost of funding earning assets | 0.4333% | 2,675 |
| Net interest margin | 2.9599% | 5,033 |
| Noninterest income to average assets | 0.2984% | 4,600 |
| Noninterest expense to average assets | 2.4768% | 4,085 |
| Loan and lease loss provision to assets | 0.1650% | 1,490 |
| Net operating income to assets | 0.3278% | 5,153 |
| Return on assets (ROA) | 0.3279% | 5,224 |
| Pretax return on assets | 0.4642% | 5,098 |
| Return on Equity (ROE) | 3.6355% | 4,963 |
| Retained earnings to average equity (ytd only) | 3.6355% | 3,333 |
| Net charge-offs to loans | 0.2063% | 1,349 |
| Credit loss provision to net charge-offs | 130.8429% | 2,054 |
| Earnings coverage of net charge-offs (x) | 4.9872% | 3,412 |
| Efficiency ratio | 79.3548% | 1,504 |
| Assets per employee ($millions) | 7.3438% | 782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6047% | 5,521 |
| Loan loss allowance to noncurrent loans | 51.7905% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 0.8984% | 2,114 |
| Noncurrent loans to loans | 1.1675% | 1,759 |
| Net loans and leases to total assets | 61.2967% | 3,688 |
| Net loans and leases to deposits | 68.2065% | 4,071 |
| Net loans and leases to core deposits | 71.6014% | 4,105 |
| Total domestic deposits to total assets | 89.8693% | 698 |
| Equity capital to assets | 9.0852% | 4,726 |
| Core capital (leverage) ratio | 9.2817% | 4,372 |
| Tier 1 risk-based capital ratio | 14.0476% | 3,441 |
| Total risk-based capital ratio | 14.6150% | 3,761 |
| Memoranda: |
| Average total assets | $1,241,556,400 | 596 |
| Average earning assets | $1,177,619,200 | 575 |
| Average equity | $111,980,000 | 714 |
| Average total loans | $759,257,200 | 659 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3753% | 5,068 |
| Cost of funding earning assets | 0.4274% | 2,759 |
| Net interest margin | 2.9479% | 5,099 |
| Noninterest income to average assets | 0.1668% | 5,430 |
| Noninterest expense to average assets | 2.4646% | 4,094 |
| Loan and lease loss provision to assets | 0.1430% | 1,634 |
| Net operating income to assets | 0.2574% | 5,375 |
| Return on assets (ROA) | 0.2576% | 5,447 |
| Pretax return on assets | 0.3579% | 5,368 |
| Return on Equity (ROE) | 2.8614% | 5,254 |
| Retained earnings to average equity (ytd only) | 2.8614% | 4,183 |
| Net charge-offs to loans | 0.2485% | 944 |
| Credit loss provision to net charge-offs | 94.3343% | 2,470 |
| Earnings coverage of net charge-offs (x) | 3.3024% | 3,439 |
| Efficiency ratio | 82.7014% | 1,106 |
| Assets per employee ($millions) | 7.3410% | 776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5321% | 5,697 |
| Loan loss allowance to noncurrent loans | 38.1225% | 5,007 |
| Noncurrent assets plus other real estate owned to assets | 0.9338% | 2,232 |
| Noncurrent loans to loans | 1.3958% | 1,578 |
| Net loans and leases to total assets | 60.5309% | 3,810 |
| Net loans and leases to deposits | 67.6675% | 4,185 |
| Net loans and leases to core deposits | 70.8885% | 4,259 |
| Total domestic deposits to total assets | 89.4535% | 697 |
| Equity capital to assets | 8.8828% | 5,254 |
| Core capital (leverage) ratio | 8.8480% | 5,005 |
| Tier 1 risk-based capital ratio | 13.8875% | 3,616 |
| Total risk-based capital ratio | 14.3904% | 3,981 |
| Memoranda: |
| Average total assets | $1,241,669,000 | 592 |
| Average earning assets | $1,178,762,000 | 569 |
| Average equity | $111,785,750 | 719 |
| Average total loans | $757,725,250 | 663 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3611% | 5,160 |
| Cost of funding earning assets | 0.4163% | 2,876 |
| Net interest margin | 2.9449% | 5,181 |
| Noninterest income to average assets | 0.1619% | 5,509 |
| Noninterest expense to average assets | 2.5361% | 3,921 |
| Loan and lease loss provision to assets | 0.0225% | 3,678 |
| Net operating income to assets | 0.2852% | 5,360 |
| Return on assets (ROA) | 0.2854% | 5,442 |
| Pretax return on assets | 0.4003% | 5,338 |
| Return on Equity (ROE) | 3.1445% | 5,206 |
| Retained earnings to average equity (ytd only) | 3.1445% | 3,898 |
| Net charge-offs to loans | 0.0870% | 1,971 |
| Credit loss provision to net charge-offs | 42.2492% | 2,750 |
| Earnings coverage of net charge-offs (x) | 7.9453% | 2,567 |
| Efficiency ratio | 85.2890% | 940 |
| Assets per employee ($millions) | 7.4737% | 708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5058% | 5,795 |
| Loan loss allowance to noncurrent loans | 25.8598% | 5,341 |
| Noncurrent assets plus other real estate owned to assets | 1.2825% | 1,586 |
| Noncurrent loans to loans | 1.9561% | 1,024 |
| Net loans and leases to total assets | 61.5895% | 3,671 |
| Net loans and leases to deposits | 69.4014% | 4,041 |
| Net loans and leases to core deposits | 72.8124% | 4,108 |
| Total domestic deposits to total assets | 88.7439% | 1,046 |
| Equity capital to assets | 8.8101% | 5,394 |
| Core capital (leverage) ratio | 9.0227% | 4,801 |
| Tier 1 risk-based capital ratio | 13.6167% | 3,825 |
| Total risk-based capital ratio | 14.0966% | 4,202 |
| Memoranda: |
| Average total assets | $1,237,508,330 | 591 |
| Average earning assets | $1,175,194,330 | 570 |
| Average equity | $112,321,330 | 718 |
| Average total loans | $756,031,000 | 660 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3739% | 5,178 |
| Cost of funding earning assets | 0.4100% | 2,964 |
| Net interest margin | 2.9639% | 5,195 |
| Noninterest income to average assets | 0.1551% | 5,565 |
| Noninterest expense to average assets | 2.4580% | 4,201 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3586% | 5,115 |
| Return on assets (ROA) | 0.3586% | 5,199 |
| Pretax return on assets | 0.5115% | 5,056 |
| Return on Equity (ROE) | 3.8921% | 4,926 |
| Retained earnings to average equity (ytd only) | 3.8921% | 3,548 |
| Net charge-offs to loans | 0.1324% | 1,310 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 6.3659% | 2,249 |
| Efficiency ratio | 82.3361% | 1,341 |
| Assets per employee ($millions) | 7.3720% | 749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5210% | 5,844 |
| Loan loss allowance to noncurrent loans | 26.1205% | 5,364 |
| Noncurrent assets plus other real estate owned to assets | 1.2920% | 1,668 |
| Noncurrent loans to loans | 1.9946% | 1,080 |
| Net loans and leases to total assets | 60.1121% | 3,755 |
| Net loans and leases to deposits | 68.0840% | 4,051 |
| Net loans and leases to core deposits | 71.1541% | 4,142 |
| Total domestic deposits to total assets | 88.2911% | 1,479 |
| Equity capital to assets | 9.1684% | 5,022 |
| Core capital (leverage) ratio | 9.2682% | 4,524 |
| Tier 1 risk-based capital ratio | 14.1825% | 3,579 |
| Total risk-based capital ratio | 14.6774% | 3,951 |
| Memoranda: |
| Average total assets | $1,224,735,500 | 597 |
| Average earning assets | $1,162,940,500 | 575 |
| Average equity | $112,844,000 | 714 |
| Average total loans | $743,114,500 | 670 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2225% | 5,485 |
| Cost of funding earning assets | 0.4069% | 3,082 |
| Net interest margin | 2.8156% | 5,481 |
| Noninterest income to average assets | 0.1324% | 5,751 |
| Noninterest expense to average assets | 2.4756% | 4,302 |
| Loan and lease loss provision to assets | 0.1478% | 1,592 |
| Net operating income to assets | 0.1533% | 5,671 |
| Return on assets (ROA) | 0.1542% | 5,717 |
| Pretax return on assets | 0.2099% | 5,672 |
| Return on Equity (ROE) | 1.5453% | 5,674 |
| Retained earnings to average equity (ytd only) | 1.5453% | 4,841 |
| Net charge-offs to loans | 0.1859% | 1,551 |
| Credit loss provision to net charge-offs | 138.7448% | 1,889 |
| Earnings coverage of net charge-offs (x) | 3.3456% | 3,744 |
| Efficiency ratio | 87.0726% | 902 |
| Assets per employee ($millions) | 7.2082% | 823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5618% | 5,853 |
| Loan loss allowance to noncurrent loans | 24.7847% | 5,413 |
| Noncurrent assets plus other real estate owned to assets | 1.4798% | 1,376 |
| Noncurrent loans to loans | 2.2666% | 855 |
| Net loans and leases to total assets | 60.5875% | 3,751 |
| Net loans and leases to deposits | 68.4628% | 4,085 |
| Net loans and leases to core deposits | 71.2296% | 4,197 |
| Total domestic deposits to total assets | 88.4969% | 1,386 |
| Equity capital to assets | 9.2602% | 4,835 |
| Core capital (leverage) ratio | 9.3020% | 4,468 |
| Tier 1 risk-based capital ratio | 14.3961% | 3,496 |
| Total risk-based capital ratio | 14.9347% | 3,827 |
| Memoranda: |
| Average total assets | $1,121,509,000 | 626 |
| Average earning assets | $1,075,314,600 | 598 |
| Average equity | $111,888,800 | 685 |
| Average total loans | $642,663,200 | 726 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1491% | 5,645 |
| Cost of funding earning assets | 0.4020% | 3,209 |
| Net interest margin | 2.7471% | 5,665 |
| Noninterest income to average assets | 0.1400% | 5,786 |
| Noninterest expense to average assets | 2.4665% | 4,293 |
| Loan and lease loss provision to assets | 0.1530% | 1,422 |
| Net operating income to assets | 0.1208% | 5,821 |
| Return on assets (ROA) | 0.1215% | 5,859 |
| Pretax return on assets | 0.1636% | 5,832 |
| Return on Equity (ROE) | 1.1947% | 5,828 |
| Retained earnings to average equity (ytd only) | 1.1947% | 5,242 |
| Net charge-offs to loans | 0.2135% | 1,221 |
| Credit loss provision to net charge-offs | 127.2452% | 1,906 |
| Earnings coverage of net charge-offs (x) | 2.6256% | 3,633 |
| Efficiency ratio | 88.3671% | 809 |
| Assets per employee ($millions) | 6.9753% | 883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5392% | 5,981 |
| Loan loss allowance to noncurrent loans | 23.0155% | 5,543 |
| Noncurrent assets plus other real estate owned to assets | 1.4670% | 1,536 |
| Noncurrent loans to loans | 2.3426% | 900 |
| Net loans and leases to total assets | 60.4139% | 3,823 |
| Net loans and leases to deposits | 68.7177% | 4,120 |
| Net loans and leases to core deposits | 71.4415% | 4,240 |
| Total domestic deposits to total assets | 87.9162% | 1,606 |
| Equity capital to assets | 9.2578% | 5,050 |
| Core capital (leverage) ratio | 9.0875% | 4,900 |
| Tier 1 risk-based capital ratio | 14.6167% | 3,493 |
| Total risk-based capital ratio | 15.1416% | 3,850 |
| Memoranda: |
| Average total assets | $1,099,143,000 | 643 |
| Average earning assets | $1,057,123,500 | 611 |
| Average equity | $111,826,500 | 691 |
| Average total loans | $618,868,250 | 764 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9181% | 5,926 |
| Cost of funding earning assets | 0.3911% | 3,362 |
| Net interest margin | 2.5270% | 5,938 |
| Noninterest income to average assets | 0.1393% | 5,866 |
| Noninterest expense to average assets | 2.2968% | 4,853 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1958% | 5,701 |
| Return on assets (ROA) | 0.1969% | 5,764 |
| Pretax return on assets | 0.2845% | 5,682 |
| Return on Equity (ROE) | 1.8647% | 5,712 |
| Retained earnings to average equity (ytd only) | 1.8647% | 4,764 |
| Net charge-offs to loans | -0.1729% | 5,981 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0306% | 822 |
| Assets per employee ($millions) | 6.9071% | 866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5679% | 6,022 |
| Loan loss allowance to noncurrent loans | 19.4211% | 5,685 |
| Noncurrent assets plus other real estate owned to assets | 1.8271% | 1,256 |
| Noncurrent loans to loans | 2.9242% | 692 |
| Net loans and leases to total assets | 60.9957% | 3,693 |
| Net loans and leases to deposits | 68.5745% | 4,077 |
| Net loans and leases to core deposits | 70.9988% | 4,221 |
| Total domestic deposits to total assets | 88.9481% | 1,166 |
| Equity capital to assets | 9.2835% | 4,917 |
| Core capital (leverage) ratio | 9.3769% | 4,452 |
| Tier 1 risk-based capital ratio | 16.2838% | 2,717 |
| Total risk-based capital ratio | 16.8743% | 2,991 |
| Memoranda: |
| Average total assets | $1,063,644,670 | 668 |
| Average earning assets | $1,027,238,330 | 633 |
| Average equity | $112,297,330 | 692 |
| Average total loans | $584,207,330 | 804 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8013% | 6,071 |
| Cost of funding earning assets | 0.3888% | 3,426 |
| Net interest margin | 2.4125% | 6,090 |
| Noninterest income to average assets | 0.1380% | 5,919 |
| Noninterest expense to average assets | 2.2173% | 5,102 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1794% | 5,725 |
| Return on assets (ROA) | 0.1794% | 5,802 |
| Pretax return on assets | 0.2518% | 5,750 |
| Return on Equity (ROE) | 1.5835% | 5,783 |
| Retained earnings to average equity (ytd only) | 1.5835% | 4,841 |
| Net charge-offs to loans | 0.0244% | 2,675 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 20.1935% | 1,418 |
| Efficiency ratio | 89.8029% | 860 |
| Assets per employee ($millions) | 7.1289% | 814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7181% | 5,870 |
| Loan loss allowance to noncurrent loans | 20.9551% | 5,704 |
| Noncurrent assets plus other real estate owned to assets | 1.7457% | 1,417 |
| Noncurrent loans to loans | 3.4269% | 569 |
| Net loans and leases to total assets | 50.5747% | 4,786 |
| Net loans and leases to deposits | 58.6249% | 4,871 |
| Net loans and leases to core deposits | 60.3054% | 4,972 |
| Total domestic deposits to total assets | 86.2683% | 2,787 |
| Equity capital to assets | 11.3206% | 2,624 |
| Core capital (leverage) ratio | 11.6746% | 1,871 |
| Tier 1 risk-based capital ratio | 22.0717% | 1,230 |
| Total risk-based capital ratio | 22.7682% | 1,294 |
| Memoranda: |
| Average total assets | $994,549,000 | 696 |
| Average earning assets | $960,999,500 | 667 |
| Average equity | $112,659,500 | 690 |
| Average total loans | $507,683,500 | 924 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8648% | 6,159 |
| Cost of funding earning assets | 0.3885% | 3,810 |
| Net interest margin | 2.4763% | 6,177 |
| Noninterest income to average assets | 0.1527% | 5,932 |
| Noninterest expense to average assets | 2.1880% | 5,377 |
| Loan and lease loss provision to assets | 0.0547% | 3,459 |
| Net operating income to assets | 0.1686% | 5,831 |
| Return on assets (ROA) | 0.1704% | 5,875 |
| Pretax return on assets | 0.3046% | 5,695 |
| Return on Equity (ROE) | 1.4977% | 5,894 |
| Retained earnings to average equity (ytd only) | 1.4977% | 5,090 |
| Net charge-offs to loans | 0.2491% | 1,719 |
| Credit loss provision to net charge-offs | 42.4603% | 3,625 |
| Earnings coverage of net charge-offs (x) | 2.7675% | 4,069 |
| Efficiency ratio | 85.9904% | 1,170 |
| Assets per employee ($millions) | 7.1815% | 765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7263% | 5,937 |
| Loan loss allowance to noncurrent loans | 22.1994% | 5,801 |
| Noncurrent assets plus other real estate owned to assets | 1.6871% | 1,586 |
| Noncurrent loans to loans | 3.2717% | 658 |
| Net loans and leases to total assets | 50.7819% | 4,888 |
| Net loans and leases to deposits | 58.8588% | 4,992 |
| Net loans and leases to core deposits | 60.5453% | 5,095 |
| Total domestic deposits to total assets | 86.2776% | 2,689 |
| Equity capital to assets | 11.3349% | 2,576 |
| Core capital (leverage) ratio | 11.7361% | 1,806 |
| Tier 1 risk-based capital ratio | 22.2194% | 1,194 |
| Total risk-based capital ratio | 22.9291% | 1,252 |
| Memoranda: |
| Average total assets | $978,201,600 | 689 |
| Average earning assets | $944,779,000 | 655 |
| Average equity | $111,301,000 | 657 |
| Average total loans | $505,818,000 | 884 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8549% | 6,245 |
| Cost of funding earning assets | 0.3848% | 3,958 |
| Net interest margin | 2.4700% | 6,254 |
| Noninterest income to average assets | 0.1528% | 6,004 |
| Noninterest expense to average assets | 2.2055% | 5,338 |
| Loan and lease loss provision to assets | 0.0677% | 2,991 |
| Net operating income to assets | 0.1832% | 5,878 |
| Return on assets (ROA) | 0.1847% | 5,918 |
| Pretax return on assets | 0.2656% | 5,835 |
| Return on Equity (ROE) | 1.6222% | 5,915 |
| Retained earnings to average equity (ytd only) | 1.6222% | 5,234 |
| Net charge-offs to loans | 0.2279% | 1,681 |
| Credit loss provision to net charge-offs | 57.2917% | 2,990 |
| Earnings coverage of net charge-offs (x) | 2.8021% | 3,819 |
| Efficiency ratio | 86.9481% | 1,100 |
| Assets per employee ($millions) | 7.0081% | 804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8003% | 5,871 |
| Loan loss allowance to noncurrent loans | 22.5725% | 5,898 |
| Noncurrent assets plus other real estate owned to assets | 1.8287% | 1,618 |
| Noncurrent loans to loans | 3.5454% | 668 |
| Net loans and leases to total assets | 50.6531% | 4,929 |
| Net loans and leases to deposits | 58.9543% | 5,018 |
| Net loans and leases to core deposits | 60.5333% | 5,157 |
| Total domestic deposits to total assets | 85.9193% | 2,887 |
| Equity capital to assets | 11.3362% | 2,639 |
| Core capital (leverage) ratio | 11.7862% | 1,845 |
| Tier 1 risk-based capital ratio | 22.2255% | 1,233 |
| Total risk-based capital ratio | 23.0063% | 1,280 |
| Memoranda: |
| Average total assets | $974,990,000 | 689 |
| Average earning assets | $940,963,000 | 651 |
| Average equity | $111,042,750 | 661 |
| Average total loans | $505,533,750 | 885 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8818% | 6,269 |
| Cost of funding earning assets | 0.3836% | 4,060 |
| Net interest margin | 2.4983% | 6,280 |
| Noninterest income to average assets | 0.1525% | 6,035 |
| Noninterest expense to average assets | 2.2011% | 5,408 |
| Loan and lease loss provision to assets | 0.0968% | 2,410 |
| Net operating income to assets | 0.1842% | 5,883 |
| Return on assets (ROA) | 0.1865% | 5,920 |
| Pretax return on assets | 0.2668% | 5,842 |
| Return on Equity (ROE) | 1.6348% | 5,923 |
| Retained earnings to average equity (ytd only) | 1.6348% | 5,087 |
| Net charge-offs to loans | 0.3242% | 1,255 |
| Credit loss provision to net charge-offs | 57.3171% | 2,680 |
| Earnings coverage of net charge-offs (x) | 2.1329% | 3,625 |
| Efficiency ratio | 85.9303% | 1,276 |
| Assets per employee ($millions) | 7.0712% | 774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8029% | 5,969 |
| Loan loss allowance to noncurrent loans | 22.5527% | 5,953 |
| Noncurrent assets plus other real estate owned to assets | 1.8651% | 1,744 |
| Noncurrent loans to loans | 3.5602% | 737 |
| Net loans and leases to total assets | 51.3641% | 4,812 |
| Net loans and leases to deposits | 58.2285% | 5,023 |
| Net loans and leases to core deposits | 59.8063% | 5,140 |
| Total domestic deposits to total assets | 88.2113% | 1,783 |
| Equity capital to assets | 11.4404% | 2,475 |
| Core capital (leverage) ratio | 11.6985% | 1,855 |
| Tier 1 risk-based capital ratio | 22.4885% | 1,191 |
| Total risk-based capital ratio | 23.2853% | 1,233 |
| Memoranda: |
| Average total assets | $970,604,000 | 690 |
| Average earning assets | $935,927,670 | 652 |
| Average equity | $110,717,670 | 655 |
| Average total loans | $505,856,330 | 879 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9205% | 6,308 |
| Cost of funding earning assets | 0.3803% | 4,193 |
| Net interest margin | 2.5402% | 6,301 |
| Noninterest income to average assets | 0.1550% | 6,041 |
| Noninterest expense to average assets | 2.1798% | 5,510 |
| Loan and lease loss provision to assets | 0.1388% | 1,752 |
| Net operating income to assets | 0.1983% | 5,806 |
| Return on assets (ROA) | 0.1983% | 5,853 |
| Pretax return on assets | 0.2843% | 5,754 |
| Return on Equity (ROE) | 1.7414% | 5,859 |
| Retained earnings to average equity (ytd only) | 1.7414% | 4,915 |
| Net charge-offs to loans | 0.0016% | 3,645 |
| Credit loss provision to net charge-offs | 16,800.0000% | 14 |
| Earnings coverage of net charge-offs (x) | 512.0000% | 74 |
| Efficiency ratio | 83.7435% | 1,703 |
| Assets per employee ($millions) | 7.0688% | 782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9241% | 5,788 |
| Loan loss allowance to noncurrent loans | 24.6606% | 5,982 |
| Noncurrent assets plus other real estate owned to assets | 2.0200% | 1,684 |
| Noncurrent loans to loans | 3.7472% | 748 |
| Net loans and leases to total assets | 52.1082% | 4,659 |
| Net loans and leases to deposits | 59.1383% | 4,831 |
| Net loans and leases to core deposits | 60.7190% | 4,977 |
| Total domestic deposits to total assets | 88.1123% | 2,170 |
| Equity capital to assets | 11.3328% | 2,390 |
| Core capital (leverage) ratio | 11.7700% | 1,788 |
| Tier 1 risk-based capital ratio | 21.9838% | 1,295 |
| Total risk-based capital ratio | 22.8975% | 1,330 |
| Memoranda: |
| Average total assets | $967,992,500 | 696 |
| Average earning assets | $932,849,000 | 662 |
| Average equity | $110,257,000 | 650 |
| Average total loans | $506,143,500 | 872 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7209% | 6,534 |
| Cost of funding earning assets | 0.4115% | 4,525 |
| Net interest margin | 2.3094% | 6,519 |
| Noninterest income to average assets | 0.1548% | 6,162 |
| Noninterest expense to average assets | 2.1105% | 5,809 |
| Loan and lease loss provision to assets | 0.0511% | 4,116 |
| Net operating income to assets | 0.1519% | 5,937 |
| Return on assets (ROA) | 0.1530% | 6,000 |
| Pretax return on assets | 0.2180% | 5,905 |
| Return on Equity (ROE) | 1.3507% | 6,015 |
| Retained earnings to average equity (ytd only) | 1.3507% | 5,219 |
| Net charge-offs to loans | 0.2878% | 2,250 |
| Credit loss provision to net charge-offs | 37.1601% | 4,096 |
| Earnings coverage of net charge-offs (x) | 1.9464% | 4,400 |
| Efficiency ratio | 88.7502% | 1,135 |
| Assets per employee ($millions) | 7.0109% | 760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8827% | 5,977 |
| Loan loss allowance to noncurrent loans | 22.1068% | 6,130 |
| Noncurrent assets plus other real estate owned to assets | 2.1255% | 1,678 |
| Noncurrent loans to loans | 3.9931% | 728 |
| Net loans and leases to total assets | 51.5181% | 4,918 |
| Net loans and leases to deposits | 58.5075% | 5,077 |
| Net loans and leases to core deposits | 59.8556% | 5,234 |
| Total domestic deposits to total assets | 88.0539% | 2,145 |
| Equity capital to assets | 11.4487% | 2,206 |
| Core capital (leverage) ratio | 11.7889% | 1,767 |
| Tier 1 risk-based capital ratio | 22.6734% | 1,149 |
| Total risk-based capital ratio | 23.5529% | 1,180 |
| Memoranda: |
| Average total assets | $963,271,000 | 683 |
| Average earning assets | $927,349,200 | 641 |
| Average equity | $109,130,400 | 645 |
| Average total loans | $460,007,800 | 926 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7333% | 6,612 |
| Cost of funding earning assets | 0.4191% | 4,632 |
| Net interest margin | 2.3142% | 6,579 |
| Noninterest income to average assets | 0.1527% | 6,276 |
| Noninterest expense to average assets | 2.1015% | 5,825 |
| Loan and lease loss provision to assets | 0.0196% | 4,615 |
| Net operating income to assets | 0.1803% | 5,962 |
| Return on assets (ROA) | 0.1804% | 6,030 |
| Pretax return on assets | 0.2588% | 5,954 |
| Return on Equity (ROE) | 1.5962% | 6,046 |
| Retained earnings to average equity (ytd only) | 1.5962% | 5,335 |
| Net charge-offs to loans | 0.3945% | 1,627 |
| Credit loss provision to net charge-offs | 10.6607% | 4,214 |
| Earnings coverage of net charge-offs (x) | 1.5105% | 4,334 |
| Efficiency ratio | 88.3064% | 1,137 |
| Assets per employee ($millions) | 6.9572% | 767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8994% | 6,052 |
| Loan loss allowance to noncurrent loans | 21.0644% | 6,218 |
| Noncurrent assets plus other real estate owned to assets | 2.0616% | 1,953 |
| Noncurrent loans to loans | 4.2700% | 800 |
| Net loans and leases to total assets | 46.4661% | 5,497 |
| Net loans and leases to deposits | 52.7565% | 5,650 |
| Net loans and leases to core deposits | 53.8879% | 5,769 |
| Total domestic deposits to total assets | 88.0765% | 2,082 |
| Equity capital to assets | 11.4392% | 2,344 |
| Core capital (leverage) ratio | 11.6026% | 1,948 |
| Tier 1 risk-based capital ratio | 23.6236% | 1,055 |
| Total risk-based capital ratio | 24.4669% | 1,089 |
| Memoranda: |
| Average total assets | $963,965,000 | 685 |
| Average earning assets | $927,694,750 | 645 |
| Average equity | $108,922,000 | 654 |
| Average total loans | $450,200,750 | 951 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7353% | 6,643 |
| Cost of funding earning assets | 0.4257% | 4,698 |
| Net interest margin | 2.3096% | 6,613 |
| Noninterest income to average assets | 0.1492% | 6,304 |
| Noninterest expense to average assets | 2.1383% | 5,781 |
| Loan and lease loss provision to assets | 0.0122% | 4,635 |
| Net operating income to assets | 0.1559% | 6,013 |
| Return on assets (ROA) | 0.1560% | 6,124 |
| Pretax return on assets | 0.2215% | 6,048 |
| Return on Equity (ROE) | 1.3865% | 6,124 |
| Retained earnings to average equity (ytd only) | 1.3865% | 5,330 |
| Net charge-offs to loans | 0.5833% | 1,135 |
| Credit loss provision to net charge-offs | 4.4935% | 3,962 |
| Earnings coverage of net charge-offs (x) | 0.8583% | 4,243 |
| Efficiency ratio | 90.1546% | 1,047 |
| Assets per employee ($millions) | 7.2865% | 631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8950% | 6,147 |
| Loan loss allowance to noncurrent loans | 21.2160% | 6,278 |
| Noncurrent assets plus other real estate owned to assets | 1.9971% | 2,154 |
| Noncurrent loans to loans | 4.2184% | 882 |
| Net loans and leases to total assets | 45.5346% | 5,584 |
| Net loans and leases to deposits | 51.6042% | 5,720 |
| Net loans and leases to core deposits | 52.5109% | 5,851 |
| Total domestic deposits to total assets | 88.2382% | 2,084 |
| Equity capital to assets | 11.2863% | 2,484 |
| Core capital (leverage) ratio | 11.6041% | 1,858 |
| Tier 1 risk-based capital ratio | 23.6822% | 1,034 |
| Total risk-based capital ratio | 24.5182% | 1,078 |
| Memoranda: |
| Average total assets | $965,256,000 | 684 |
| Average earning assets | $928,899,670 | 643 |
| Average equity | $108,620,330 | 661 |
| Average total loans | $450,212,330 | 949 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7748% | 6,693 |
| Cost of funding earning assets | 0.4389% | 4,713 |
| Net interest margin | 2.3358% | 6,662 |
| Noninterest income to average assets | 0.1445% | 6,379 |
| Noninterest expense to average assets | 2.1529% | 5,796 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1640% | 5,997 |
| Return on assets (ROA) | 0.1640% | 6,099 |
| Pretax return on assets | 0.2367% | 6,003 |
| Return on Equity (ROE) | 1.4597% | 6,100 |
| Retained earnings to average equity (ytd only) | 1.4597% | 5,256 |
| Net charge-offs to loans | -0.0336% | 5,951 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0956% | 1,141 |
| Assets per employee ($millions) | 7.2039% | 708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1689% | 5,332 |
| Loan loss allowance to noncurrent loans | 27.0518% | 6,125 |
| Noncurrent assets plus other real estate owned to assets | 2.1093% | 2,227 |
| Noncurrent loans to loans | 4.3211% | 995 |
| Net loans and leases to total assets | 46.2189% | 5,412 |
| Net loans and leases to deposits | 52.5265% | 5,571 |
| Net loans and leases to core deposits | 53.2677% | 5,726 |
| Total domestic deposits to total assets | 87.9916% | 2,315 |
| Equity capital to assets | 11.2316% | 2,703 |
| Core capital (leverage) ratio | 11.6346% | 1,793 |
| Tier 1 risk-based capital ratio | 23.2743% | 1,116 |
| Total risk-based capital ratio | 24.3658% | 1,119 |
| Memoranda: |
| Average total assets | $963,334,000 | 691 |
| Average earning assets | $925,917,500 | 651 |
| Average equity | $108,242,500 | 671 |
| Average total loans | $452,688,000 | 941 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0029% | 6,772 |
| Cost of funding earning assets | 0.5588% | 4,738 |
| Net interest margin | 2.4441% | 6,746 |
| Noninterest income to average assets | 0.0952% | 6,528 |
| Noninterest expense to average assets | 2.0655% | 6,198 |
| Loan and lease loss provision to assets | 0.1611% | 3,603 |
| Net operating income to assets | 0.1539% | 5,881 |
| Return on assets (ROA) | 0.1540% | 6,043 |
| Pretax return on assets | 0.2390% | 5,931 |
| Return on Equity (ROE) | 1.3863% | 6,045 |
| Retained earnings to average equity (ytd only) | 1.3863% | 5,185 |
| Net charge-offs to loans | 0.2794% | 3,264 |
| Credit loss provision to net charge-offs | 119.5234% | 2,399 |
| Earnings coverage of net charge-offs (x) | 2.9669% | 3,941 |
| Efficiency ratio | 83.7761% | 1,656 |
| Assets per employee ($millions) | 7.0688% | 744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1541% | 5,327 |
| Loan loss allowance to noncurrent loans | 27.2993% | 6,172 |
| Noncurrent assets plus other real estate owned to assets | 2.0829% | 2,353 |
| Noncurrent loans to loans | 4.2277% | 1,063 |
| Net loans and leases to total assets | 46.6740% | 5,553 |
| Net loans and leases to deposits | 53.0490% | 5,734 |
| Net loans and leases to core deposits | 53.8024% | 5,891 |
| Total domestic deposits to total assets | 87.9828% | 2,247 |
| Equity capital to assets | 11.2408% | 2,693 |
| Core capital (leverage) ratio | 11.5222% | 1,862 |
| Tier 1 risk-based capital ratio | 23.2238% | 1,074 |
| Total risk-based capital ratio | 24.3089% | 1,088 |
| Memoranda: |
| Average total assets | $964,992,000 | 678 |
| Average earning assets | $935,834,000 | 635 |
| Average equity | $107,193,600 | 661 |
| Average total loans | $465,584,800 | 883 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0404% | 6,882 |
| Cost of funding earning assets | 0.5852% | 4,787 |
| Net interest margin | 2.4552% | 6,857 |
| Noninterest income to average assets | 0.1151% | 6,565 |
| Noninterest expense to average assets | 2.0839% | 6,201 |
| Loan and lease loss provision to assets | 0.1412% | 3,767 |
| Net operating income to assets | 0.1807% | 5,963 |
| Return on assets (ROA) | 0.1808% | 6,119 |
| Pretax return on assets | 0.2783% | 5,997 |
| Return on Equity (ROE) | 1.6327% | 6,118 |
| Retained earnings to average equity (ytd only) | 1.6327% | 5,514 |
| Net charge-offs to loans | 0.2581% | 3,181 |
| Credit loss provision to net charge-offs | 112.7894% | 2,592 |
| Earnings coverage of net charge-offs (x) | 3.3495% | 3,679 |
| Efficiency ratio | 83.2479% | 1,675 |
| Assets per employee ($millions) | 7.2997% | 637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1075% | 5,687 |
| Loan loss allowance to noncurrent loans | 28.9041% | 6,167 |
| Noncurrent assets plus other real estate owned to assets | 1.9401% | 2,730 |
| Noncurrent loans to loans | 3.8317% | 1,374 |
| Net loans and leases to total assets | 47.2708% | 5,630 |
| Net loans and leases to deposits | 53.6915% | 5,827 |
| Net loans and leases to core deposits | 54.4177% | 6,014 |
| Total domestic deposits to total assets | 88.0415% | 2,024 |
| Equity capital to assets | 11.2067% | 3,027 |
| Core capital (leverage) ratio | 11.5150% | 1,979 |
| Tier 1 risk-based capital ratio | 23.3476% | 1,121 |
| Total risk-based capital ratio | 24.4114% | 1,124 |
| Memoranda: |
| Average total assets | $965,902,250 | 688 |
| Average earning assets | $939,543,750 | 637 |
| Average equity | $106,976,000 | 666 |
| Average total loans | $468,496,000 | 879 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0789% | 6,941 |
| Cost of funding earning assets | 0.6167% | 4,750 |
| Net interest margin | 2.4622% | 6,923 |
| Noninterest income to average assets | 0.1185% | 6,591 |
| Noninterest expense to average assets | 2.0929% | 6,242 |
| Loan and lease loss provision to assets | 0.1806% | 3,293 |
| Net operating income to assets | 0.1558% | 6,026 |
| Return on assets (ROA) | 0.1558% | 6,195 |
| Pretax return on assets | 0.2396% | 6,076 |
| Return on Equity (ROE) | 1.4122% | 6,214 |
| Retained earnings to average equity (ytd only) | 1.4122% | 5,489 |
| Net charge-offs to loans | 0.3876% | 2,471 |
| Credit loss provision to net charge-offs | 95.6188% | 2,887 |
| Earnings coverage of net charge-offs (x) | 2.2245% | 3,876 |
| Efficiency ratio | 83.2798% | 1,712 |
| Assets per employee ($millions) | 7.3357% | 628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0630% | 5,914 |
| Loan loss allowance to noncurrent loans | 27.4585% | 6,258 |
| Noncurrent assets plus other real estate owned to assets | 1.9546% | 2,837 |
| Noncurrent loans to loans | 3.8713% | 1,438 |
| Net loans and leases to total assets | 47.1740% | 5,695 |
| Net loans and leases to deposits | 53.4447% | 5,917 |
| Net loans and leases to core deposits | 54.2056% | 6,082 |
| Total domestic deposits to total assets | 88.2669% | 1,976 |
| Equity capital to assets | 10.7684% | 3,374 |
| Core capital (leverage) ratio | 11.5064% | 1,902 |
| Tier 1 risk-based capital ratio | 22.7397% | 1,166 |
| Total risk-based capital ratio | 23.7491% | 1,183 |
| Memoranda: |
| Average total assets | $966,683,670 | 688 |
| Average earning assets | $940,147,330 | 639 |
| Average equity | $106,640,330 | 666 |
| Average total loans | $471,133,670 | 877 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1450% | 6,982 |
| Cost of funding earning assets | 0.6493% | 4,742 |
| Net interest margin | 2.4956% | 6,956 |
| Noninterest income to average assets | 0.1218% | 6,645 |
| Noninterest expense to average assets | 2.0761% | 6,320 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3072% | 5,639 |
| Return on assets (ROA) | 0.3072% | 5,804 |
| Pretax return on assets | 0.4727% | 5,516 |
| Return on Equity (ROE) | 2.7516% | 5,807 |
| Retained earnings to average equity (ytd only) | 2.7516% | 4,882 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4549% | 2,015 |
| Assets per employee ($millions) | 7.4461% | 607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0608% | 6,043 |
| Loan loss allowance to noncurrent loans | 20.3378% | 6,551 |
| Noncurrent assets plus other real estate owned to assets | 2.5497% | 2,317 |
| Noncurrent loans to loans | 5.2158% | 1,052 |
| Net loans and leases to total assets | 48.0326% | 5,551 |
| Net loans and leases to deposits | 54.4464% | 5,766 |
| Net loans and leases to core deposits | 55.1292% | 5,976 |
| Total domestic deposits to total assets | 88.2201% | 2,177 |
| Equity capital to assets | 11.1311% | 2,774 |
| Core capital (leverage) ratio | 11.6620% | 1,799 |
| Tier 1 risk-based capital ratio | 22.8104% | 1,157 |
| Total risk-based capital ratio | 23.8313% | 1,172 |
| Memoranda: |
| Average total assets | $962,204,500 | 689 |
| Average earning assets | $935,715,000 | 643 |
| Average equity | $107,430,000 | 656 |
| Average total loans | $474,103,500 | 870 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4934% | 6,999 |
| Cost of funding earning assets | 0.7301% | 5,339 |
| Net interest margin | 2.7633% | 6,869 |
| Noninterest income to average assets | 0.1234% | 6,532 |
| Noninterest expense to average assets | 2.0101% | 6,655 |
| Loan and lease loss provision to assets | 0.5143% | 2,047 |
| Net operating income to assets | 0.1905% | 5,620 |
| Return on assets (ROA) | 0.1912% | 5,745 |
| Pretax return on assets | 0.2863% | 5,598 |
| Return on Equity (ROE) | 1.7392% | 5,757 |
| Retained earnings to average equity (ytd only) | 1.7392% | 4,978 |
| Net charge-offs to loans | 0.9353% | 1,861 |
| Credit loss provision to net charge-offs | 106.2957% | 3,198 |
| Earnings coverage of net charge-offs (x) | 1.6528% | 4,531 |
| Efficiency ratio | 71.5417% | 3,678 |
| Assets per employee ($millions) | 7.1911% | 660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0423% | 6,028 |
| Loan loss allowance to noncurrent loans | 21.6711% | 6,560 |
| Noncurrent assets plus other real estate owned to assets | 2.4229% | 2,511 |
| Noncurrent loans to loans | 4.8096% | 1,204 |
| Net loans and leases to total assets | 49.4852% | 5,660 |
| Net loans and leases to deposits | 56.1516% | 5,878 |
| Net loans and leases to core deposits | 56.8584% | 6,090 |
| Total domestic deposits to total assets | 88.1279% | 2,075 |
| Equity capital to assets | 11.1993% | 2,795 |
| Core capital (leverage) ratio | 11.6439% | 1,794 |
| Tier 1 risk-based capital ratio | 22.4266% | 1,179 |
| Total risk-based capital ratio | 23.4370% | 1,183 |
| Memoranda: |
| Average total assets | $961,975,600 | 678 |
| Average earning assets | $935,178,800 | 635 |
| Average equity | $105,735,400 | 652 |
| Average total loans | $497,586,600 | 842 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5263% | 7,070 |
| Cost of funding earning assets | 0.7416% | 5,512 |
| Net interest margin | 2.7847% | 6,902 |
| Noninterest income to average assets | 0.1241% | 6,640 |
| Noninterest expense to average assets | 1.9974% | 6,698 |
| Loan and lease loss provision to assets | 0.5982% | 1,648 |
| Net operating income to assets | 0.1589% | 5,800 |
| Return on assets (ROA) | 0.1594% | 5,925 |
| Pretax return on assets | 0.2374% | 5,827 |
| Return on Equity (ROE) | 1.4574% | 5,952 |
| Retained earnings to average equity (ytd only) | 1.4574% | 5,412 |
| Net charge-offs to loans | 0.0711% | 5,249 |
| Credit loss provision to net charge-offs | 1,612.6866% | 168 |
| Earnings coverage of net charge-offs (x) | 22.5040% | 1,148 |
| Efficiency ratio | 70.5273% | 3,851 |
| Assets per employee ($millions) | 7.2235% | 661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7610% | 3,069 |
| Loan loss allowance to noncurrent loans | 32.4720% | 6,111 |
| Noncurrent assets plus other real estate owned to assets | 2.8212% | 2,301 |
| Noncurrent loans to loans | 5.4231% | 1,102 |
| Net loans and leases to total assets | 50.7857% | 5,607 |
| Net loans and leases to deposits | 57.5054% | 5,887 |
| Net loans and leases to core deposits | 58.2698% | 6,107 |
| Total domestic deposits to total assets | 88.3147% | 1,864 |
| Equity capital to assets | 11.0825% | 3,063 |
| Core capital (leverage) ratio | 11.4134% | 2,094 |
| Tier 1 risk-based capital ratio | 21.5980% | 1,355 |
| Total risk-based capital ratio | 22.8537% | 1,322 |
| Memoranda: |
| Average total assets | $963,365,750 | 687 |
| Average earning assets | $936,822,500 | 641 |
| Average equity | $105,391,250 | 657 |
| Average total loans | $502,416,000 | 843 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5489% | 7,136 |
| Cost of funding earning assets | 0.7449% | 5,703 |
| Net interest margin | 2.8040% | 6,921 |
| Noninterest income to average assets | 0.1182% | 6,739 |
| Noninterest expense to average assets | 2.0092% | 6,772 |
| Loan and lease loss provision to assets | 0.8083% | 1,136 |
| Net operating income to assets | 0.0223% | 6,183 |
| Return on assets (ROA) | 0.0234% | 6,263 |
| Pretax return on assets | 0.0268% | 6,231 |
| Return on Equity (ROE) | 0.2152% | 6,263 |
| Retained earnings to average equity (ytd only) | 0.2152% | 5,753 |
| Net charge-offs to loans | 0.0571% | 5,078 |
| Credit loss provision to net charge-offs | 2,706.2500% | 118 |
| Earnings coverage of net charge-offs (x) | 27.9167% | 979 |
| Efficiency ratio | 70.6719% | 3,994 |
| Assets per employee ($millions) | 7.3538% | 613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7030% | 3,315 |
| Loan loss allowance to noncurrent loans | 41.1750% | 5,566 |
| Noncurrent assets plus other real estate owned to assets | 2.1304% | 3,071 |
| Noncurrent loans to loans | 4.1361% | 1,653 |
| Net loans and leases to total assets | 50.2151% | 5,795 |
| Net loans and leases to deposits | 56.6937% | 6,074 |
| Net loans and leases to core deposits | 57.5050% | 6,306 |
| Total domestic deposits to total assets | 88.5727% | 1,801 |
| Equity capital to assets | 10.8461% | 3,134 |
| Core capital (leverage) ratio | 11.2309% | 2,089 |
| Tier 1 risk-based capital ratio | 21.4049% | 1,343 |
| Total risk-based capital ratio | 22.6599% | 1,324 |
| Memoranda: |
| Average total assets | $964,247,330 | 695 |
| Average earning assets | $937,032,330 | 646 |
| Average equity | $105,031,000 | 663 |
| Average total loans | $504,336,330 | 857 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6099% | 7,131 |
| Cost of funding earning assets | 0.7479% | 5,868 |
| Net interest margin | 2.8620% | 6,815 |
| Noninterest income to average assets | 0.1132% | 6,845 |
| Noninterest expense to average assets | 2.0295% | 6,779 |
| Loan and lease loss provision to assets | 0.0616% | 5,225 |
| Net operating income to assets | 0.5332% | 4,339 |
| Return on assets (ROA) | 0.5348% | 4,417 |
| Pretax return on assets | 0.8041% | 3,886 |
| Return on Equity (ROE) | 4.8997% | 4,449 |
| Retained earnings to average equity (ytd only) | 4.8997% | 3,252 |
| Net charge-offs to loans | -0.0267% | 6,672 |
| Credit loss provision to net charge-offs | -435.2941% | 5,938 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1583% | 4,226 |
| Assets per employee ($millions) | 7.4013% | 609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9653% | 6,501 |
| Loan loss allowance to noncurrent loans | 79.1362% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 0.6528% | 5,657 |
| Noncurrent loans to loans | 1.2199% | 4,645 |
| Net loans and leases to total assets | 51.5715% | 5,635 |
| Net loans and leases to deposits | 58.5009% | 5,881 |
| Net loans and leases to core deposits | 59.5016% | 6,140 |
| Total domestic deposits to total assets | 88.1551% | 2,289 |
| Equity capital to assets | 10.8738% | 2,803 |
| Core capital (leverage) ratio | 11.5370% | 1,824 |
| Tier 1 risk-based capital ratio | 21.3017% | 1,345 |
| Total risk-based capital ratio | 22.2448% | 1,372 |
| Memoranda: |
| Average total assets | $961,021,000 | 700 |
| Average earning assets | $933,325,500 | 652 |
| Average equity | $104,905,000 | 661 |
| Average total loans | $508,563,000 | 861 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8870% | 7,208 |
| Cost of funding earning assets | 1.0178% | 5,601 |
| Net interest margin | 2.8692% | 6,939 |
| Noninterest income to average assets | 0.1439% | 6,669 |
| Noninterest expense to average assets | 2.0923% | 6,865 |
| Loan and lease loss provision to assets | 0.3319% | 4,162 |
| Net operating income to assets | 0.3372% | 4,798 |
| Return on assets (ROA) | 0.3372% | 4,960 |
| Pretax return on assets | 0.5030% | 4,616 |
| Return on Equity (ROE) | 3.1495% | 4,895 |
| Retained earnings to average equity (ytd only) | 3.1495% | 3,663 |
| Net charge-offs to loans | 0.6182% | 3,184 |
| Credit loss provision to net charge-offs | 99.1013% | 4,667 |
| Earnings coverage of net charge-offs (x) | 2.4927% | 3,872 |
| Efficiency ratio | 71.4762% | 3,894 |
| Assets per employee ($millions) | 7.2157% | 674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9160% | 6,680 |
| Loan loss allowance to noncurrent loans | 82.8682% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 0.6168% | 5,781 |
| Noncurrent loans to loans | 1.1054% | 4,888 |
| Net loans and leases to total assets | 53.2864% | 5,741 |
| Net loans and leases to deposits | 60.4647% | 6,005 |
| Net loans and leases to core deposits | 61.5157% | 6,274 |
| Total domestic deposits to total assets | 88.1282% | 2,174 |
| Equity capital to assets | 10.9590% | 2,724 |
| Core capital (leverage) ratio | 11.4115% | 1,885 |
| Tier 1 risk-based capital ratio | 21.1895% | 1,287 |
| Total risk-based capital ratio | 22.1037% | 1,318 |
| Memoranda: |
| Average total assets | $963,407,200 | 694 |
| Average earning assets | $934,570,600 | 645 |
| Average equity | $103,158,000 | 657 |
| Average total loans | $521,982,400 | 863 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9505% | 7,313 |
| Cost of funding earning assets | 1.0889% | 5,491 |
| Net interest margin | 2.8617% | 7,061 |
| Noninterest income to average assets | 0.1344% | 6,879 |
| Noninterest expense to average assets | 2.0925% | 6,861 |
| Loan and lease loss provision to assets | 0.3999% | 3,506 |
| Net operating income to assets | 0.2806% | 5,239 |
| Return on assets (ROA) | 0.2806% | 5,400 |
| Pretax return on assets | 0.4165% | 5,172 |
| Return on Equity (ROE) | 2.6354% | 5,371 |
| Retained earnings to average equity (ytd only) | 2.6354% | 4,570 |
| Net charge-offs to loans | 0.8212% | 2,396 |
| Credit loss provision to net charge-offs | 89.7214% | 4,778 |
| Earnings coverage of net charge-offs (x) | 1.8316% | 4,337 |
| Efficiency ratio | 71.9342% | 3,713 |
| Assets per employee ($millions) | 6.9831% | 775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8452% | 6,905 |
| Loan loss allowance to noncurrent loans | 71.0884% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 0.6580% | 5,815 |
| Noncurrent loans to loans | 1.1889% | 4,863 |
| Net loans and leases to total assets | 53.0485% | 5,978 |
| Net loans and leases to deposits | 60.1124% | 6,306 |
| Net loans and leases to core deposits | 61.1945% | 6,527 |
| Total domestic deposits to total assets | 88.2489% | 1,829 |
| Equity capital to assets | 10.6561% | 3,341 |
| Core capital (leverage) ratio | 11.0624% | 2,214 |
| Tier 1 risk-based capital ratio | 20.4916% | 1,449 |
| Total risk-based capital ratio | 21.3279% | 1,499 |
| Memoranda: |
| Average total assets | $966,141,000 | 686 |
| Average earning assets | $936,730,250 | 642 |
| Average equity | $102,852,250 | 648 |
| Average total loans | $524,420,500 | 859 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0079% | 7,358 |
| Cost of funding earning assets | 1.1747% | 5,269 |
| Net interest margin | 2.8333% | 7,102 |
| Noninterest income to average assets | 0.1389% | 6,887 |
| Noninterest expense to average assets | 2.0924% | 6,929 |
| Loan and lease loss provision to assets | 0.5283% | 2,675 |
| Net operating income to assets | 0.1820% | 5,625 |
| Return on assets (ROA) | 0.1820% | 5,745 |
| Pretax return on assets | 0.2637% | 5,617 |
| Return on Equity (ROE) | 1.7105% | 5,727 |
| Retained earnings to average equity (ytd only) | 1.7105% | 5,019 |
| Net charge-offs to loans | 1.2092% | 1,578 |
| Credit loss provision to net charge-offs | 80.1006% | 4,701 |
| Earnings coverage of net charge-offs (x) | 1.2009% | 4,599 |
| Efficiency ratio | 72.5417% | 3,734 |
| Assets per employee ($millions) | 7.0678% | 749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7823% | 7,070 |
| Loan loss allowance to noncurrent loans | 63.8850% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 0.6599% | 5,842 |
| Noncurrent loans to loans | 1.2246% | 4,921 |
| Net loans and leases to total assets | 53.1566% | 6,093 |
| Net loans and leases to deposits | 59.9462% | 6,414 |
| Net loans and leases to core deposits | 61.0239% | 6,640 |
| Total domestic deposits to total assets | 88.6738% | 1,621 |
| Equity capital to assets | 10.4821% | 3,434 |
| Core capital (leverage) ratio | 10.9298% | 2,295 |
| Tier 1 risk-based capital ratio | 20.0703% | 1,508 |
| Total risk-based capital ratio | 20.8416% | 1,558 |
| Memoranda: |
| Average total assets | $964,635,670 | 685 |
| Average earning assets | $934,744,000 | 641 |
| Average equity | $102,658,330 | 644 |
| Average total loans | $526,124,670 | 866 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0826% | 7,391 |
| Cost of funding earning assets | 1.2591% | 5,065 |
| Net interest margin | 2.8235% | 7,148 |
| Noninterest income to average assets | 0.1359% | 7,002 |
| Noninterest expense to average assets | 2.0912% | 6,966 |
| Loan and lease loss provision to assets | 0.0922% | 5,713 |
| Net operating income to assets | 0.4733% | 4,520 |
| Return on assets (ROA) | 0.4733% | 4,651 |
| Pretax return on assets | 0.6934% | 4,258 |
| Return on Equity (ROE) | 4.4134% | 4,700 |
| Retained earnings to average equity (ytd only) | 4.4134% | 3,506 |
| Net charge-offs to loans | -0.0015% | 6,758 |
| Credit loss provision to net charge-offs | -11,050.0000% | 6,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6917% | 3,810 |
| Assets per employee ($millions) | 6.9694% | 822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9380% | 6,715 |
| Loan loss allowance to noncurrent loans | 57.0637% | 4,537 |
| Noncurrent assets plus other real estate owned to assets | 0.8918% | 5,377 |
| Noncurrent loans to loans | 1.6438% | 4,283 |
| Net loans and leases to total assets | 53.5136% | 6,087 |
| Net loans and leases to deposits | 60.4236% | 6,424 |
| Net loans and leases to core deposits | 61.6262% | 6,630 |
| Total domestic deposits to total assets | 88.5640% | 1,753 |
| Equity capital to assets | 10.5926% | 3,148 |
| Core capital (leverage) ratio | 11.2354% | 2,065 |
| Tier 1 risk-based capital ratio | 19.7393% | 1,573 |
| Total risk-based capital ratio | 20.6544% | 1,616 |
| Memoranda: |
| Average total assets | $959,273,500 | 705 |
| Average earning assets | $931,168,500 | 661 |
| Average equity | $102,868,500 | 648 |
| Average total loans | $527,909,000 | 890 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3779% | 7,501 |
| Cost of funding earning assets | 1.6448% | 4,821 |
| Net interest margin | 2.7331% | 7,164 |
| Noninterest income to average assets | 0.1688% | 6,873 |
| Noninterest expense to average assets | 2.1880% | 7,022 |
| Loan and lease loss provision to assets | 0.1667% | 6,022 |
| Net operating income to assets | 0.3241% | 4,436 |
| Return on assets (ROA) | 0.3127% | 4,571 |
| Pretax return on assets | 0.4502% | 4,350 |
| Return on Equity (ROE) | 2.8510% | 4,573 |
| Retained earnings to average equity (ytd only) | 2.8510% | 3,178 |
| Net charge-offs to loans | 0.0444% | 6,661 |
| Credit loss provision to net charge-offs | 670.1299% | 435 |
| Earnings coverage of net charge-offs (x) | 25.4632% | 874 |
| Efficiency ratio | 77.5470% | 3,262 |
| Assets per employee ($millions) | 6.7830% | 873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8929% | 6,845 |
| Loan loss allowance to noncurrent loans | 55.0618% | 4,692 |
| Noncurrent assets plus other real estate owned to assets | 0.9133% | 5,265 |
| Noncurrent loans to loans | 1.6216% | 4,213 |
| Net loans and leases to total assets | 55.5786% | 6,017 |
| Net loans and leases to deposits | 62.8960% | 6,373 |
| Net loans and leases to core deposits | 71.7736% | 6,674 |
| Total domestic deposits to total assets | 88.3659% | 1,786 |
| Equity capital to assets | 10.8591% | 2,809 |
| Core capital (leverage) ratio | 11.3268% | 2,018 |
| Tier 1 risk-based capital ratio | 19.5687% | 1,554 |
| Total risk-based capital ratio | 20.4442% | 1,579 |
| Memoranda: |
| Average total assets | $928,492,200 | 726 |
| Average earning assets | $901,158,600 | 670 |
| Average equity | $101,824,200 | 643 |
| Average total loans | $520,464,600 | 916 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4011% | 7,607 |
| Cost of funding earning assets | 1.7136% | 4,831 |
| Net interest margin | 2.6874% | 7,233 |
| Noninterest income to average assets | 0.1669% | 7,017 |
| Noninterest expense to average assets | 2.1773% | 7,028 |
| Loan and lease loss provision to assets | 0.1940% | 5,444 |
| Net operating income to assets | 0.2808% | 4,860 |
| Return on assets (ROA) | 0.2678% | 5,013 |
| Pretax return on assets | 0.3855% | 4,836 |
| Return on Equity (ROE) | 2.4362% | 5,014 |
| Retained earnings to average equity (ytd only) | 2.4362% | 3,963 |
| Net charge-offs to loans | 0.0594% | 6,112 |
| Credit loss provision to net charge-offs | 582.6840% | 667 |
| Earnings coverage of net charge-offs (x) | 17.9655% | 1,374 |
| Efficiency ratio | 78.4460% | 3,093 |
| Assets per employee ($millions) | 6.5864% | 947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8502% | 6,950 |
| Loan loss allowance to noncurrent loans | 57.5742% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 0.8432% | 5,405 |
| Noncurrent loans to loans | 1.4766% | 4,460 |
| Net loans and leases to total assets | 56.3503% | 6,103 |
| Net loans and leases to deposits | 63.7583% | 6,512 |
| Net loans and leases to core deposits | 72.8432% | 6,789 |
| Total domestic deposits to total assets | 88.3812% | 1,485 |
| Equity capital to assets | 10.8525% | 3,163 |
| Core capital (leverage) ratio | 11.1343% | 2,308 |
| Tier 1 risk-based capital ratio | 19.2523% | 1,694 |
| Total risk-based capital ratio | 20.0852% | 1,746 |
| Memoranda: |
| Average total assets | $924,905,750 | 742 |
| Average earning assets | $897,789,750 | 684 |
| Average equity | $101,684,250 | 650 |
| Average total loans | $518,396,500 | 937 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4551% | 7,664 |
| Cost of funding earning assets | 1.7939% | 4,794 |
| Net interest margin | 2.6613% | 7,282 |
| Noninterest income to average assets | 0.1624% | 7,112 |
| Noninterest expense to average assets | 2.1978% | 7,059 |
| Loan and lease loss provision to assets | 0.1993% | 5,062 |
| Net operating income to assets | 0.2414% | 5,125 |
| Return on assets (ROA) | 0.2307% | 5,243 |
| Pretax return on assets | 0.3319% | 5,123 |
| Return on Equity (ROE) | 2.0895% | 5,268 |
| Retained earnings to average equity (ytd only) | 2.0895% | 4,183 |
| Net charge-offs to loans | 0.0922% | 5,262 |
| Credit loss provision to net charge-offs | 387.3418% | 1,199 |
| Earnings coverage of net charge-offs (x) | 10.6203% | 1,978 |
| Efficiency ratio | 80.0918% | 3,028 |
| Assets per employee ($millions) | 6.6422% | 909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7765% | 7,230 |
| Loan loss allowance to noncurrent loans | 124.6567% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 0.3539% | 6,568 |
| Noncurrent loans to loans | 0.6229% | 6,007 |
| Net loans and leases to total assets | 55.7363% | 6,238 |
| Net loans and leases to deposits | 62.9808% | 6,657 |
| Net loans and leases to core deposits | 71.6070% | 6,923 |
| Total domestic deposits to total assets | 88.4973% | 1,529 |
| Equity capital to assets | 10.7450% | 3,165 |
| Core capital (leverage) ratio | 11.1653% | 2,279 |
| Tier 1 risk-based capital ratio | 19.2073% | 1,740 |
| Total risk-based capital ratio | 19.9638% | 1,785 |
| Memoranda: |
| Average total assets | $921,452,000 | 760 |
| Average earning assets | $893,935,330 | 704 |
| Average equity | $101,745,670 | 664 |
| Average total loans | $514,013,670 | 971 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4459% | 7,764 |
| Cost of funding earning assets | 1.8990% | 4,632 |
| Net interest margin | 2.5470% | 7,447 |
| Noninterest income to average assets | 0.1593% | 7,169 |
| Noninterest expense to average assets | 2.0265% | 7,287 |
| Loan and lease loss provision to assets | 0.1190% | 5,441 |
| Net operating income to assets | 0.3412% | 5,108 |
| Return on assets (ROA) | 0.3335% | 5,331 |
| Pretax return on assets | 0.4784% | 5,143 |
| Return on Equity (ROE) | 2.9794% | 5,377 |
| Retained earnings to average equity (ytd only) | 2.9794% | 4,217 |
| Net charge-offs to loans | 0.1252% | 3,963 |
| Credit loss provision to net charge-offs | 171.0692% | 2,504 |
| Earnings coverage of net charge-offs (x) | 8.7421% | 2,153 |
| Efficiency ratio | 76.9103% | 3,343 |
| Assets per employee ($millions) | 6.5577% | 937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6810% | 7,501 |
| Loan loss allowance to noncurrent loans | 407.0602% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.1016% | 7,285 |
| Noncurrent loans to loans | 0.1673% | 7,046 |
| Net loans and leases to total assets | 55.0803% | 6,347 |
| Net loans and leases to deposits | 62.2677% | 6,712 |
| Net loans and leases to core deposits | 70.5895% | 6,989 |
| Total domestic deposits to total assets | 88.4573% | 1,505 |
| Equity capital to assets | 11.0292% | 2,937 |
| Core capital (leverage) ratio | 11.1738% | 2,364 |
| Tier 1 risk-based capital ratio | 19.7271% | 1,672 |
| Total risk-based capital ratio | 20.3975% | 1,748 |
| Memoranda: |
| Average total assets | $913,905,000 | 770 |
| Average earning assets | $888,276,500 | 707 |
| Average equity | $102,302,500 | 657 |
| Average total loans | $507,980,000 | 984 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0204% | 7,825 |
| Cost of funding earning assets | 2.3355% | 4,989 |
| Net interest margin | 2.6849% | 7,524 |
| Noninterest income to average assets | 0.1657% | 7,237 |
| Noninterest expense to average assets | 1.9677% | 7,502 |
| Loan and lease loss provision to assets | 0.0764% | 6,444 |
| Net operating income to assets | 0.5015% | 4,728 |
| Return on assets (ROA) | 0.4883% | 4,617 |
| Pretax return on assets | 0.6919% | 4,426 |
| Return on Equity (ROE) | 4.3635% | 4,653 |
| Retained earnings to average equity (ytd only) | 4.3635% | 2,405 |
| Net charge-offs to loans | 0.0848% | 5,549 |
| Credit loss provision to net charge-offs | 169.8254% | 3,021 |
| Earnings coverage of net charge-offs (x) | 17.4838% | 1,767 |
| Efficiency ratio | 71.4315% | 4,047 |
| Assets per employee ($millions) | 6.3142% | 984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6814% | 7,475 |
| Loan loss allowance to noncurrent loans | 605.6940% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.0746% | 7,274 |
| Noncurrent loans to loans | 0.1125% | 7,079 |
| Net loans and leases to total assets | 55.3341% | 6,515 |
| Net loans and leases to deposits | 62.6715% | 6,899 |
| Net loans and leases to core deposits | 70.9770% | 7,135 |
| Total domestic deposits to total assets | 88.2922% | 1,340 |
| Equity capital to assets | 11.3651% | 2,735 |
| Core capital (leverage) ratio | 11.3259% | 2,352 |
| Tier 1 risk-based capital ratio | 20.3064% | 1,569 |
| Total risk-based capital ratio | 20.9794% | 1,620 |
| Memoranda: |
| Average total assets | $890,895,400 | 754 |
| Average earning assets | $859,048,800 | 704 |
| Average equity | $99,691,000 | 666 |
| Average total loans | $472,885,200 | 1,025 |
