| 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 | 5.0818% | 1,896 |
| Cost of funding earning assets | 2.1080% | 767 |
| Net interest margin | 2.9738% | 3,346 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 2.5807% | 2,068 |
| Loan and lease loss provision to assets | 0.2400% | 482 |
| Net operating income to assets | 0.1972% | 4,169 |
| Return on assets (ROA) | 0.1972% | 4,181 |
| Pretax return on assets | 0.2275% | 4,169 |
| Return on Equity (ROE) | 1.9800% | 4,152 |
| Retained earnings to average equity (ytd only) | 1.9835% | 3,578 |
| Net charge-offs to loans | -0.0089% | 3,971 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 84.7663% | 625 |
| Assets per employee ($millions) | 8.2955% | 1,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8485% | 492 |
| Loan loss allowance to noncurrent loans | 221.9291% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.7118% | 728 |
| Noncurrent loans to loans | 0.8329% | 923 |
| Net loans and leases to total assets | 83.8700% | 282 |
| Net loans and leases to deposits | 98.3595% | 629 |
| Net loans and leases to core deposits | 128.3487% | 426 |
| Total domestic deposits to total assets | 85.2700% | 2,222 |
| Equity capital to assets | 9.9274% | 2,048 |
| Core capital (leverage) ratio | 10.2948% | 2,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1314% | 2,199 |
| Memoranda: |
| Average total assets | $1,417,650,200 | 746 |
| Average earning assets | $1,356,814,200 | 722 |
| Average equity | $140,961,600 | 708 |
| Average total loans | $1,195,962,000 | 634 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9374% | 1,979 |
| Cost of funding earning assets | 1.9499% | 782 |
| Net interest margin | 2.9876% | 3,361 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.5753% | 2,017 |
| Loan and lease loss provision to assets | 0.2800% | 342 |
| Net operating income to assets | 0.1654% | 4,271 |
| Return on assets (ROA) | 0.1654% | 4,285 |
| Pretax return on assets | 0.2117% | 4,247 |
| Return on Equity (ROE) | 1.6600% | 4,242 |
| Retained earnings to average equity (ytd only) | 1.6631% | 3,804 |
| Net charge-offs to loans | -0.0084% | 3,889 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 84.0026% | 616 |
| Assets per employee ($millions) | 8.1495% | 1,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8589% | 513 |
| Loan loss allowance to noncurrent loans | 173.7938% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.9129% | 591 |
| Noncurrent loans to loans | 1.0696% | 745 |
| Net loans and leases to total assets | 83.7700% | 296 |
| Net loans and leases to deposits | 94.2222% | 878 |
| Net loans and leases to core deposits | 115.5376% | 681 |
| Total domestic deposits to total assets | 88.9000% | 1,292 |
| Equity capital to assets | 10.0349% | 1,816 |
| Core capital (leverage) ratio | 10.0533% | 2,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2557% | 2,183 |
| Memoranda: |
| Average total assets | $1,411,207,500 | 750 |
| Average earning assets | $1,350,680,750 | 724 |
| Average equity | $140,378,500 | 704 |
| Average total loans | $1,186,587,000 | 635 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7858% | 2,025 |
| Cost of funding earning assets | 1.7740% | 778 |
| Net interest margin | 3.0119% | 3,400 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 2.5645% | 2,017 |
| Loan and lease loss provision to assets | 0.3300% | 270 |
| Net operating income to assets | 0.1577% | 4,326 |
| Return on assets (ROA) | 0.1577% | 4,353 |
| Pretax return on assets | 0.1961% | 4,325 |
| Return on Equity (ROE) | 1.5900% | 4,315 |
| Retained earnings to average equity (ytd only) | 1.5899% | 3,809 |
| Net charge-offs to loans | -0.0075% | 3,827 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 82.8990% | 662 |
| Assets per employee ($millions) | 7.8495% | 1,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8068% | 600 |
| Loan loss allowance to noncurrent loans | 218.5383% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.6963% | 754 |
| Noncurrent loans to loans | 0.8268% | 929 |
| Net loans and leases to total assets | 82.6900% | 351 |
| Net loans and leases to deposits | 92.9146% | 960 |
| Net loans and leases to core deposits | 109.4865% | 847 |
| Total domestic deposits to total assets | 89.0000% | 1,261 |
| Equity capital to assets | 9.8562% | 1,934 |
| Core capital (leverage) ratio | 9.7684% | 2,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1783% | 2,223 |
| Memoranda: |
| Average total assets | $1,411,656,667 | 738 |
| Average earning assets | $1,349,861,333 | 714 |
| Average equity | $140,012,000 | 700 |
| Average total loans | $1,181,001,000 | 623 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5952% | 2,093 |
| Cost of funding earning assets | 1.5339% | 786 |
| Net interest margin | 3.0613% | 3,434 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 2.5106% | 2,220 |
| Loan and lease loss provision to assets | 0.5000% | 150 |
| Net operating income to assets | 0.0895% | 4,437 |
| Return on assets (ROA) | 0.0895% | 4,413 |
| Pretax return on assets | 0.1080% | 4,400 |
| Return on Equity (ROE) | 0.9000% | 4,390 |
| Retained earnings to average equity (ytd only) | 0.8996% | 3,882 |
| Net charge-offs to loans | -0.0031% | 3,518 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 80.5322% | 791 |
| Assets per employee ($millions) | 8.5879% | 1,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7877% | 676 |
| Loan loss allowance to noncurrent loans | 187.5156% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 1.0490% | 382 |
| Noncurrent loans to loans | 0.9534% | 788 |
| Net loans and leases to total assets | 80.3500% | 506 |
| Net loans and leases to deposits | 90.1893% | 1,032 |
| Net loans and leases to core deposits | 104.2107% | 912 |
| Total domestic deposits to total assets | 89.1000% | 1,509 |
| Equity capital to assets | 9.7020% | 1,994 |
| Core capital (leverage) ratio | 10.1346% | 2,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3541% | 2,241 |
| Memoranda: |
| Average total assets | $1,403,177,500 | 758 |
| Average earning assets | $1,340,358,500 | 734 |
| Average equity | $139,614,500 | 710 |
| Average total loans | $1,169,942,500 | 637 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2731% | 1,107 |
| Cost of funding earning assets | 0.5365% | 1,178 |
| Net interest margin | 3.7367% | 1,294 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 2.6832% | 1,596 |
| Loan and lease loss provision to assets | 0.2300% | 422 |
| Net operating income to assets | 0.6378% | 3,784 |
| Return on assets (ROA) | 0.6378% | 3,736 |
| Pretax return on assets | 0.8393% | 3,519 |
| Return on Equity (ROE) | 6.2100% | 3,791 |
| Retained earnings to average equity (ytd only) | 6.2076% | 2,568 |
| Net charge-offs to loans | 0.1042% | 717 |
| Credit loss provision to net charge-offs | 263.1579% | 975 |
| Earnings coverage of net charge-offs (x) | 12.3316% | 2,115 |
| Efficiency ratio | 71.5402% | 1,492 |
| Assets per employee ($millions) | 8.4172% | 1,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7257% | 771 |
| Loan loss allowance to noncurrent loans | 223.7893% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 0.9402% | 463 |
| Noncurrent loans to loans | 0.7711% | 970 |
| Net loans and leases to total assets | 83.5600% | 292 |
| Net loans and leases to deposits | 95.0141% | 710 |
| Net loans and leases to core deposits | 114.6162% | 470 |
| Total domestic deposits to total assets | 87.9500% | 2,083 |
| Equity capital to assets | 10.2121% | 1,603 |
| Core capital (leverage) ratio | 10.6230% | 2,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5081% | 2,165 |
| Memoranda: |
| Average total assets | $1,317,553,200 | 777 |
| Average earning assets | $1,256,711,000 | 754 |
| Average equity | $135,365,600 | 728 |
| Average total loans | $1,094,400,200 | 633 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1565% | 965 |
| Cost of funding earning assets | 0.4232% | 1,135 |
| Net interest margin | 3.7333% | 1,065 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 2.6644% | 1,550 |
| Loan and lease loss provision to assets | 0.2300% | 365 |
| Net operating income to assets | 0.5793% | 3,888 |
| Return on assets (ROA) | 0.5793% | 3,841 |
| Pretax return on assets | 0.8206% | 3,527 |
| Return on Equity (ROE) | 5.6300% | 3,864 |
| Retained earnings to average equity (ytd only) | 5.6301% | 2,878 |
| Net charge-offs to loans | -0.0424% | 4,262 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.7152% | 1,554 |
| Assets per employee ($millions) | 8.4712% | 1,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8922% | 609 |
| Loan loss allowance to noncurrent loans | 114.8441% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 1.6819% | 186 |
| Noncurrent loans to loans | 1.6476% | 406 |
| Net loans and leases to total assets | 82.4400% | 356 |
| Net loans and leases to deposits | 93.6486% | 657 |
| Net loans and leases to core deposits | 107.4066% | 552 |
| Total domestic deposits to total assets | 88.0300% | 2,431 |
| Equity capital to assets | 10.4538% | 1,394 |
| Core capital (leverage) ratio | 10.5275% | 2,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8025% | 2,129 |
| Memoranda: |
| Average total assets | $1,306,045,000 | 794 |
| Average earning assets | $1,245,751,750 | 768 |
| Average equity | $134,394,250 | 743 |
| Average total loans | $1,078,137,000 | 635 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0319% | 894 |
| Cost of funding earning assets | 0.3693% | 1,112 |
| Net interest margin | 3.6627% | 973 |
| Noninterest income to average assets | 0.1511% | 4,257 |
| Noninterest expense to average assets | 2.6409% | 1,522 |
| Loan and lease loss provision to assets | 0.2296% | 335 |
| Net operating income to assets | 0.5450% | 3,780 |
| Return on assets (ROA) | 0.5450% | 3,735 |
| Pretax return on assets | 0.7752% | 3,390 |
| Return on Equity (ROE) | 5.3255% | 3,744 |
| Retained earnings to average equity (ytd only) | 5.3255% | 2,580 |
| Net charge-offs to loans | -0.0274% | 4,009 |
| Credit loss provision to net charge-offs | -1,020.4082% | 3,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4235% | 1,695 |
| Assets per employee ($millions) | 8.1525% | 1,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8458% | 746 |
| Loan loss allowance to noncurrent loans | 105.6914% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 1.7443% | 184 |
| Noncurrent loans to loans | 1.7464% | 388 |
| Net loans and leases to total assets | 81.2103% | 331 |
| Net loans and leases to deposits | 92.3087% | 591 |
| Net loans and leases to core deposits | 106.9384% | 419 |
| Total domestic deposits to total assets | 87.9769% | 2,588 |
| Equity capital to assets | 10.4105% | 1,475 |
| Core capital (leverage) ratio | 10.2920% | 2,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8796% | 2,108 |
| Memoranda: |
| Average total assets | $1,306,820,000 | 789 |
| Average earning assets | $1,246,844,333 | 769 |
| Average equity | $133,733,667 | 751 |
| Average total loans | $1,072,125,333 | 624 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9472% | 855 |
| Cost of funding earning assets | 0.3530% | 1,174 |
| Net interest margin | 3.5942% | 905 |
| Noninterest income to average assets | 0.1469% | 4,276 |
| Noninterest expense to average assets | 2.6263% | 1,534 |
| Loan and lease loss provision to assets | 0.2286% | 303 |
| Net operating income to assets | 0.5146% | 3,671 |
| Return on assets (ROA) | 0.5146% | 3,640 |
| Pretax return on assets | 0.7246% | 3,322 |
| Return on Equity (ROE) | 5.0718% | 3,605 |
| Retained earnings to average equity (ytd only) | 5.0718% | 2,568 |
| Net charge-offs to loans | -0.0347% | 4,140 |
| Credit loss provision to net charge-offs | -806.4516% | 3,236 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3350% | 1,819 |
| Assets per employee ($millions) | 8.4593% | 1,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7847% | 902 |
| Loan loss allowance to noncurrent loans | 108.2042% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 1.6241% | 215 |
| Noncurrent loans to loans | 1.6494% | 481 |
| Net loans and leases to total assets | 79.1990% | 280 |
| Net loans and leases to deposits | 89.8004% | 522 |
| Net loans and leases to core deposits | 104.1190% | 392 |
| Total domestic deposits to total assets | 88.1945% | 2,436 |
| Equity capital to assets | 10.1386% | 1,800 |
| Core capital (leverage) ratio | 10.2299% | 2,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0031% | 2,201 |
| Memoranda: |
| Average total assets | $1,312,106,000 | 793 |
| Average earning assets | $1,253,133,000 | 773 |
| Average equity | $133,127,500 | 769 |
| Average total loans | $1,071,946,500 | 614 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8397% | 1,769 |
| Cost of funding earning assets | 0.5106% | 883 |
| Net interest margin | 3.3290% | 2,241 |
| Noninterest income to average assets | 0.1382% | 4,459 |
| Noninterest expense to average assets | 2.4611% | 2,306 |
| Loan and lease loss provision to assets | 0.3180% | 244 |
| Net operating income to assets | 0.4241% | 4,236 |
| Return on assets (ROA) | 0.4403% | 4,244 |
| Pretax return on assets | 0.5704% | 4,153 |
| Return on Equity (ROE) | 4.3921% | 4,131 |
| Retained earnings to average equity (ytd only) | 4.3921% | 3,058 |
| Net charge-offs to loans | 0.0741% | 1,048 |
| Credit loss provision to net charge-offs | 521.6285% | 783 |
| Earnings coverage of net charge-offs (x) | 14.2379% | 2,039 |
| Efficiency ratio | 73.9010% | 1,317 |
| Assets per employee ($millions) | 8.6971% | 1,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6808% | 1,086 |
| Loan loss allowance to noncurrent loans | 91.8751% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 1.8116% | 196 |
| Noncurrent loans to loans | 1.8295% | 456 |
| Net loans and leases to total assets | 81.3761% | 205 |
| Net loans and leases to deposits | 92.5142% | 440 |
| Net loans and leases to core deposits | 107.0478% | 350 |
| Total domestic deposits to total assets | 87.9607% | 2,067 |
| Equity capital to assets | 10.1536% | 2,513 |
| Core capital (leverage) ratio | 9.9280% | 2,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2143% | 2,154 |
| Memoranda: |
| Average total assets | $1,289,421,800 | 773 |
| Average earning assets | $1,235,887,000 | 751 |
| Average equity | $129,253,600 | 805 |
| Average total loans | $1,061,008,600 | 622 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8183% | 1,979 |
| Cost of funding earning assets | 0.5425% | 863 |
| Net interest margin | 3.2758% | 2,493 |
| Noninterest income to average assets | 0.1368% | 4,513 |
| Noninterest expense to average assets | 2.4094% | 2,410 |
| Loan and lease loss provision to assets | 0.3137% | 245 |
| Net operating income to assets | 0.3968% | 4,377 |
| Return on assets (ROA) | 0.4185% | 4,376 |
| Pretax return on assets | 0.5796% | 4,263 |
| Return on Equity (ROE) | 4.1882% | 4,271 |
| Retained earnings to average equity (ytd only) | 4.1882% | 3,517 |
| Net charge-offs to loans | 0.1087% | 701 |
| Credit loss provision to net charge-offs | 351.3357% | 927 |
| Earnings coverage of net charge-offs (x) | 9.6980% | 2,067 |
| Efficiency ratio | 73.5332% | 1,259 |
| Assets per employee ($millions) | 8.7815% | 962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6041% | 1,329 |
| Loan loss allowance to noncurrent loans | 112.6582% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 1.4305% | 358 |
| Noncurrent loans to loans | 1.4239% | 747 |
| Net loans and leases to total assets | 78.6335% | 366 |
| Net loans and leases to deposits | 89.0252% | 656 |
| Net loans and leases to core deposits | 103.4499% | 474 |
| Total domestic deposits to total assets | 88.3273% | 1,653 |
| Equity capital to assets | 9.8466% | 3,058 |
| Core capital (leverage) ratio | 9.8753% | 2,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1162% | 2,318 |
| Memoranda: |
| Average total assets | $1,285,635,250 | 786 |
| Average earning assets | $1,231,806,250 | 765 |
| Average equity | $128,451,750 | 820 |
| Average total loans | $1,056,321,750 | 639 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8449% | 1,957 |
| Cost of funding earning assets | 0.5837% | 805 |
| Net interest margin | 3.2611% | 2,578 |
| Noninterest income to average assets | 0.1404% | 4,499 |
| Noninterest expense to average assets | 2.4286% | 2,369 |
| Loan and lease loss provision to assets | 0.3459% | 218 |
| Net operating income to assets | 0.3527% | 4,461 |
| Return on assets (ROA) | 0.3855% | 4,450 |
| Pretax return on assets | 0.5325% | 4,333 |
| Return on Equity (ROE) | 3.8388% | 4,360 |
| Retained earnings to average equity (ytd only) | 3.8388% | 3,573 |
| Net charge-offs to loans | 0.1958% | 439 |
| Credit loss provision to net charge-offs | 212.9719% | 1,022 |
| Earnings coverage of net charge-offs (x) | 5.1530% | 2,010 |
| Efficiency ratio | 74.3440% | 1,221 |
| Assets per employee ($millions) | 7.8336% | 1,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5140% | 1,545 |
| Loan loss allowance to noncurrent loans | 105.5262% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 1.4557% | 402 |
| Noncurrent loans to loans | 1.4347% | 809 |
| Net loans and leases to total assets | 79.5701% | 340 |
| Net loans and leases to deposits | 90.1408% | 646 |
| Net loans and leases to core deposits | 104.8298% | 507 |
| Total domestic deposits to total assets | 88.2732% | 1,685 |
| Equity capital to assets | 9.8622% | 2,988 |
| Core capital (leverage) ratio | 9.9075% | 2,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3335% | 2,237 |
| Memoranda: |
| Average total assets | $1,272,176,000 | 789 |
| Average earning assets | $1,219,079,667 | 769 |
| Average equity | $127,746,667 | 821 |
| Average total loans | $1,055,199,000 | 639 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9516% | 1,702 |
| Cost of funding earning assets | 0.6531% | 677 |
| Net interest margin | 3.2986% | 2,394 |
| Noninterest income to average assets | 0.1448% | 4,482 |
| Noninterest expense to average assets | 2.5168% | 2,133 |
| Loan and lease loss provision to assets | 0.3987% | 194 |
| Net operating income to assets | 0.2770% | 4,546 |
| Return on assets (ROA) | 0.3435% | 4,492 |
| Pretax return on assets | 0.4727% | 4,387 |
| Return on Equity (ROE) | 3.3892% | 4,396 |
| Retained earnings to average equity (ytd only) | 3.3892% | 3,663 |
| Net charge-offs to loans | 0.4037% | 207 |
| Credit loss provision to net charge-offs | 117.4812% | 1,054 |
| Earnings coverage of net charge-offs (x) | 2.3195% | 1,812 |
| Efficiency ratio | 76.1463% | 1,121 |
| Assets per employee ($millions) | 8.2170% | 1,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4084% | 1,919 |
| Loan loss allowance to noncurrent loans | 128.5384% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 1.2301% | 603 |
| Noncurrent loans to loans | 1.0957% | 1,217 |
| Net loans and leases to total assets | 83.0980% | 182 |
| Net loans and leases to deposits | 94.9260% | 442 |
| Net loans and leases to core deposits | 112.7480% | 349 |
| Total domestic deposits to total assets | 87.5397% | 2,072 |
| Equity capital to assets | 10.0828% | 2,630 |
| Core capital (leverage) ratio | 10.0869% | 2,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2324% | 2,192 |
| Memoranda: |
| Average total assets | $1,254,156,000 | 791 |
| Average earning assets | $1,201,120,000 | 770 |
| Average equity | $127,110,500 | 816 |
| Average total loans | $1,054,323,000 | 641 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1016% | 2,418 |
| Cost of funding earning assets | 1.0640% | 466 |
| Net interest margin | 3.0377% | 3,797 |
| Noninterest income to average assets | 0.1490% | 4,550 |
| Noninterest expense to average assets | 2.4771% | 2,918 |
| Loan and lease loss provision to assets | 0.2617% | 1,477 |
| Net operating income to assets | 0.2596% | 4,492 |
| Return on assets (ROA) | 0.2596% | 4,555 |
| Pretax return on assets | 0.3290% | 4,509 |
| Return on Equity (ROE) | 2.5794% | 4,462 |
| Retained earnings to average equity (ytd only) | 2.5794% | 3,557 |
| Net charge-offs to loans | 0.1989% | 870 |
| Credit loss provision to net charge-offs | 157.6008% | 2,382 |
| Earnings coverage of net charge-offs (x) | 3.5571% | 3,075 |
| Efficiency ratio | 80.7094% | 837 |
| Assets per employee ($millions) | 7.9672% | 1,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4236% | 1,875 |
| Loan loss allowance to noncurrent loans | 154.1779% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 1.0863% | 844 |
| Noncurrent loans to loans | 0.9233% | 1,526 |
| Net loans and leases to total assets | 82.6501% | 253 |
| Net loans and leases to deposits | 96.4211% | 530 |
| Net loans and leases to core deposits | 117.6555% | 345 |
| Total domestic deposits to total assets | 85.7179% | 2,479 |
| Equity capital to assets | 10.1884% | 2,938 |
| Core capital (leverage) ratio | 10.2625% | 2,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4655% | 2,466 |
| Memoranda: |
| Average total assets | $1,239,772,000 | 732 |
| Average earning assets | $1,191,281,400 | 705 |
| Average equity | $124,797,600 | 792 |
| Average total loans | $1,035,448,800 | 615 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1242% | 2,605 |
| Cost of funding earning assets | 1.1559% | 429 |
| Net interest margin | 2.9684% | 4,050 |
| Noninterest income to average assets | 0.1441% | 4,585 |
| Noninterest expense to average assets | 2.4830% | 2,900 |
| Loan and lease loss provision to assets | 0.2351% | 1,734 |
| Net operating income to assets | 0.2337% | 4,541 |
| Return on assets (ROA) | 0.2337% | 4,577 |
| Pretax return on assets | 0.2810% | 4,562 |
| Return on Equity (ROE) | 2.3291% | 4,503 |
| Retained earnings to average equity (ytd only) | 2.3291% | 3,812 |
| Net charge-offs to loans | 0.2199% | 695 |
| Credit loss provision to net charge-offs | 128.1525% | 2,453 |
| Earnings coverage of net charge-offs (x) | 2.8129% | 2,956 |
| Efficiency ratio | 82.7557% | 692 |
| Assets per employee ($millions) | 7.6273% | 1,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3474% | 1,965 |
| Loan loss allowance to noncurrent loans | 167.1873% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 1.0042% | 1,106 |
| Noncurrent loans to loans | 0.8059% | 1,809 |
| Net loans and leases to total assets | 84.2398% | 257 |
| Net loans and leases to deposits | 97.6968% | 643 |
| Net loans and leases to core deposits | 114.3017% | 540 |
| Total domestic deposits to total assets | 86.2257% | 1,973 |
| Equity capital to assets | 10.2269% | 3,035 |
| Core capital (leverage) ratio | 9.8820% | 2,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8474% | 2,266 |
| Memoranda: |
| Average total assets | $1,238,992,500 | 720 |
| Average earning assets | $1,191,691,000 | 686 |
| Average equity | $124,339,250 | 785 |
| Average total loans | $1,033,789,750 | 611 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0940% | 3,065 |
| Cost of funding earning assets | 1.2239% | 470 |
| Net interest margin | 2.8701% | 4,354 |
| Noninterest income to average assets | 0.1675% | 4,451 |
| Noninterest expense to average assets | 2.4628% | 3,067 |
| Loan and lease loss provision to assets | 0.2471% | 1,706 |
| Net operating income to assets | 0.2113% | 4,563 |
| Return on assets (ROA) | 0.2113% | 4,602 |
| Pretax return on assets | 0.2223% | 4,612 |
| Return on Equity (ROE) | 2.1191% | 4,509 |
| Retained earnings to average equity (ytd only) | 2.1191% | 3,705 |
| Net charge-offs to loans | 0.2144% | 722 |
| Credit loss provision to net charge-offs | 139.1659% | 2,181 |
| Earnings coverage of net charge-offs (x) | 2.6437% | 2,749 |
| Efficiency ratio | 83.9609% | 640 |
| Assets per employee ($millions) | 7.8664% | 1,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3319% | 1,873 |
| Loan loss allowance to noncurrent loans | 104.0263% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 1.3667% | 732 |
| Noncurrent loans to loans | 1.2804% | 1,216 |
| Net loans and leases to total assets | 81.8535% | 429 |
| Net loans and leases to deposits | 95.0514% | 871 |
| Net loans and leases to core deposits | 110.9117% | 702 |
| Total domestic deposits to total assets | 86.1149% | 1,958 |
| Equity capital to assets | 9.7889% | 3,380 |
| Core capital (leverage) ratio | 9.6850% | 3,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5999% | 2,359 |
| Memoranda: |
| Average total assets | $1,242,656,333 | 705 |
| Average earning assets | $1,196,964,000 | 665 |
| Average equity | $123,923,333 | 778 |
| Average total loans | $1,028,855,000 | 600 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2055% | 3,192 |
| Cost of funding earning assets | 1.2979% | 568 |
| Net interest margin | 2.9077% | 4,424 |
| Noninterest income to average assets | 0.2256% | 4,199 |
| Noninterest expense to average assets | 2.5533% | 3,124 |
| Loan and lease loss provision to assets | 0.2804% | 1,108 |
| Net operating income to assets | 0.1774% | 4,561 |
| Return on assets (ROA) | 0.1774% | 4,570 |
| Pretax return on assets | 0.1911% | 4,575 |
| Return on Equity (ROE) | 1.7618% | 4,496 |
| Retained earnings to average equity (ytd only) | 1.7618% | 3,528 |
| Net charge-offs to loans | 0.3441% | 416 |
| Credit loss provision to net charge-offs | 98.5109% | 1,862 |
| Earnings coverage of net charge-offs (x) | 1.6564% | 2,360 |
| Efficiency ratio | 84.3807% | 804 |
| Assets per employee ($millions) | 7.5757% | 873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3404% | 1,950 |
| Loan loss allowance to noncurrent loans | 135.7086% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 1.1143% | 1,163 |
| Noncurrent loans to loans | 0.9877% | 1,676 |
| Net loans and leases to total assets | 80.2972% | 663 |
| Net loans and leases to deposits | 95.7057% | 941 |
| Net loans and leases to core deposits | 113.1036% | 705 |
| Total domestic deposits to total assets | 83.9001% | 2,817 |
| Equity capital to assets | 9.9145% | 3,871 |
| Core capital (leverage) ratio | 10.2673% | 3,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5706% | 2,449 |
| Memoranda: |
| Average total assets | $1,226,806,500 | 678 |
| Average earning assets | $1,181,022,000 | 647 |
| Average equity | $123,512,500 | 775 |
| Average total loans | $1,014,689,500 | 590 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6392% | 2,502 |
| Cost of funding earning assets | 1.3976% | 571 |
| Net interest margin | 3.2416% | 4,103 |
| Noninterest income to average assets | 0.4435% | 3,040 |
| Noninterest expense to average assets | 2.7849% | 2,651 |
| Loan and lease loss provision to assets | 0.2129% | 940 |
| Net operating income to assets | 0.4498% | 4,506 |
| Return on assets (ROA) | 0.4525% | 4,534 |
| Pretax return on assets | 0.5591% | 4,474 |
| Return on Equity (ROE) | 4.4196% | 4,364 |
| Retained earnings to average equity (ytd only) | 4.4196% | 2,749 |
| Net charge-offs to loans | 0.2890% | 724 |
| Credit loss provision to net charge-offs | 84.7745% | 2,736 |
| Earnings coverage of net charge-offs (x) | 3.0607% | 3,361 |
| Efficiency ratio | 78.3352% | 1,111 |
| Assets per employee ($millions) | 7.3842% | 906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3487% | 1,714 |
| Loan loss allowance to noncurrent loans | 147.7324% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 1.0900% | 1,126 |
| Noncurrent loans to loans | 0.9129% | 1,682 |
| Net loans and leases to total assets | 82.9485% | 434 |
| Net loans and leases to deposits | 98.6645% | 701 |
| Net loans and leases to core deposits | 113.2685% | 702 |
| Total domestic deposits to total assets | 84.0713% | 2,828 |
| Equity capital to assets | 10.2270% | 3,702 |
| Core capital (leverage) ratio | 10.3544% | 3,126 |
| Tier 1 risk-based capital ratio | 12.2168% | 4,236 |
| Total risk-based capital ratio | 13.4684% | 4,108 |
| Memoranda: |
| Average total assets | $1,174,027,000 | 675 |
| Average earning assets | $1,126,438,800 | 644 |
| Average equity | $120,191,000 | 760 |
| Average total loans | $1,020,401,000 | 562 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6194% | 2,660 |
| Cost of funding earning assets | 1.3940% | 588 |
| Net interest margin | 3.2254% | 4,245 |
| Noninterest income to average assets | 0.5121% | 2,654 |
| Noninterest expense to average assets | 2.8253% | 2,494 |
| Loan and lease loss provision to assets | 0.1829% | 994 |
| Net operating income to assets | 0.4561% | 4,615 |
| Return on assets (ROA) | 0.4595% | 4,642 |
| Pretax return on assets | 0.6011% | 4,542 |
| Return on Equity (ROE) | 4.4877% | 4,478 |
| Retained earnings to average equity (ytd only) | 4.4877% | 3,150 |
| Net charge-offs to loans | 0.0679% | 1,854 |
| Credit loss provision to net charge-offs | 307.1017% | 936 |
| Earnings coverage of net charge-offs (x) | 13.0940% | 2,317 |
| Efficiency ratio | 78.3407% | 1,066 |
| Assets per employee ($millions) | 7.2587% | 927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4578% | 1,371 |
| Loan loss allowance to noncurrent loans | 78.6414% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 1.9471% | 458 |
| Noncurrent loans to loans | 1.8537% | 759 |
| Net loans and leases to total assets | 86.1832% | 181 |
| Net loans and leases to deposits | 102.6678% | 466 |
| Net loans and leases to core deposits | 118.4196% | 577 |
| Total domestic deposits to total assets | 83.9438% | 2,842 |
| Equity capital to assets | 10.2326% | 3,791 |
| Core capital (leverage) ratio | 10.1765% | 3,450 |
| Tier 1 risk-based capital ratio | 11.8552% | 4,487 |
| Total risk-based capital ratio | 13.1083% | 4,370 |
| Memoranda: |
| Average total assets | $1,166,626,250 | 676 |
| Average earning assets | $1,118,672,500 | 651 |
| Average equity | $119,465,000 | 760 |
| Average total loans | $1,022,490,750 | 563 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6087% | 2,650 |
| Cost of funding earning assets | 1.3601% | 613 |
| Net interest margin | 3.2487% | 4,244 |
| Noninterest income to average assets | 0.2398% | 4,321 |
| Noninterest expense to average assets | 2.7778% | 2,669 |
| Loan and lease loss provision to assets | 0.0992% | 1,882 |
| Net operating income to assets | 0.3687% | 4,779 |
| Return on assets (ROA) | 0.3687% | 4,799 |
| Pretax return on assets | 0.4785% | 4,723 |
| Return on Equity (ROE) | 3.5995% | 4,668 |
| Retained earnings to average equity (ytd only) | 3.5995% | 3,452 |
| Net charge-offs to loans | 0.0272% | 2,310 |
| Credit loss provision to net charge-offs | 416.6667% | 688 |
| Earnings coverage of net charge-offs (x) | 24.2536% | 1,631 |
| Efficiency ratio | 82.7469% | 747 |
| Assets per employee ($millions) | 6.9333% | 1,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4195% | 1,531 |
| Loan loss allowance to noncurrent loans | 108.2917% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 1.4767% | 765 |
| Noncurrent loans to loans | 1.3108% | 1,200 |
| Net loans and leases to total assets | 86.1548% | 200 |
| Net loans and leases to deposits | 103.7582% | 431 |
| Net loans and leases to core deposits | 120.5406% | 530 |
| Total domestic deposits to total assets | 83.0342% | 3,190 |
| Equity capital to assets | 10.2427% | 3,754 |
| Core capital (leverage) ratio | 10.1910% | 3,389 |
| Tier 1 risk-based capital ratio | 11.8003% | 4,522 |
| Total risk-based capital ratio | 13.0529% | 4,419 |
| Memoranda: |
| Average total assets | $1,158,694,000 | 682 |
| Average earning assets | $1,111,280,000 | 651 |
| Average equity | $118,683,000 | 755 |
| Average total loans | $1,016,280,330 | 564 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6145% | 2,488 |
| Cost of funding earning assets | 1.3274% | 602 |
| Net interest margin | 3.2871% | 4,193 |
| Noninterest income to average assets | 0.2361% | 4,322 |
| Noninterest expense to average assets | 2.8346% | 2,462 |
| Loan and lease loss provision to assets | 0.0781% | 2,122 |
| Net operating income to assets | 0.3350% | 4,858 |
| Return on assets (ROA) | 0.3350% | 4,867 |
| Pretax return on assets | 0.4760% | 4,737 |
| Return on Equity (ROE) | 3.2707% | 4,727 |
| Retained earnings to average equity (ytd only) | 3.2707% | 3,616 |
| Net charge-offs to loans | 0.0577% | 1,465 |
| Credit loss provision to net charge-offs | 154.1096% | 1,216 |
| Earnings coverage of net charge-offs (x) | 10.9315% | 1,937 |
| Efficiency ratio | 83.6185% | 739 |
| Assets per employee ($millions) | 6.8766% | 1,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4029% | 1,668 |
| Loan loss allowance to noncurrent loans | 109.0371% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 1.4527% | 841 |
| Noncurrent loans to loans | 1.2867% | 1,275 |
| Net loans and leases to total assets | 85.7327% | 209 |
| Net loans and leases to deposits | 103.3112% | 429 |
| Net loans and leases to core deposits | 122.1197% | 478 |
| Total domestic deposits to total assets | 82.9849% | 3,391 |
| Equity capital to assets | 10.2066% | 3,614 |
| Core capital (leverage) ratio | 10.1786% | 3,414 |
| Tier 1 risk-based capital ratio | 11.8127% | 4,562 |
| Total risk-based capital ratio | 13.0651% | 4,460 |
| Memoranda: |
| Average total assets | $1,152,180,000 | 692 |
| Average earning assets | $1,105,031,500 | 661 |
| Average equity | $118,016,500 | 756 |
| Average total loans | $1,012,405,000 | 567 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5358% | 2,353 |
| Cost of funding earning assets | 1.0474% | 615 |
| Net interest margin | 3.4884% | 3,744 |
| Noninterest income to average assets | 0.2269% | 4,558 |
| Noninterest expense to average assets | 2.9501% | 2,192 |
| Loan and lease loss provision to assets | 0.1861% | 1,039 |
| Net operating income to assets | 0.3706% | 4,906 |
| Return on assets (ROA) | 0.3706% | 4,903 |
| Pretax return on assets | 0.4467% | 4,875 |
| Return on Equity (ROE) | 3.6053% | 4,797 |
| Retained earnings to average equity (ytd only) | 3.4936% | 3,665 |
| Net charge-offs to loans | 0.2837% | 682 |
| Credit loss provision to net charge-offs | 74.3461% | 2,934 |
| Earnings coverage of net charge-offs (x) | 2.5285% | 3,508 |
| Efficiency ratio | 82.3039% | 775 |
| Assets per employee ($millions) | 6.7989% | 1,070 |
| Cash dividends to net income (ytd only)* | 3.0970% | 3,974 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3899% | 1,679 |
| Loan loss allowance to noncurrent loans | 67.6747% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 2.1635% | 416 |
| Noncurrent loans to loans | 2.0539% | 652 |
| Net loans and leases to total assets | 87.5664% | 134 |
| Net loans and leases to deposits | 110.6478% | 234 |
| Net loans and leases to core deposits | 133.9100% | 263 |
| Total domestic deposits to total assets | 79.1397% | 4,284 |
| Equity capital to assets | 10.4330% | 3,250 |
| Core capital (leverage) ratio | 10.3574% | 3,193 |
| Tier 1 risk-based capital ratio | 11.6403% | 4,649 |
| Total risk-based capital ratio | 12.8922% | 4,535 |
| Memoranda: |
| Average total assets | $1,115,254,400 | 691 |
| Average earning assets | $1,072,921,000 | 658 |
| Average equity | $114,636,800 | 744 |
| Average total loans | $983,948,800 | 566 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4900% | 2,339 |
| Cost of funding earning assets | 0.9797% | 644 |
| Net interest margin | 3.5103% | 3,658 |
| Noninterest income to average assets | 0.2184% | 4,658 |
| Noninterest expense to average assets | 2.9469% | 2,177 |
| Loan and lease loss provision to assets | 0.1774% | 1,033 |
| Net operating income to assets | 0.3379% | 5,049 |
| Return on assets (ROA) | 0.3379% | 5,044 |
| Pretax return on assets | 0.4752% | 4,932 |
| Return on Equity (ROE) | 3.2996% | 4,957 |
| Retained earnings to average equity (ytd only) | 3.1493% | 4,172 |
| Net charge-offs to loans | 0.2985% | 555 |
| Credit loss provision to net charge-offs | 67.4748% | 2,658 |
| Earnings coverage of net charge-offs (x) | 2.4822% | 3,240 |
| Efficiency ratio | 81.8325% | 788 |
| Assets per employee ($millions) | 7.0306% | 923 |
| Cash dividends to net income (ytd only)* | 4.5567% | 3,534 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3925% | 1,730 |
| Loan loss allowance to noncurrent loans | 109.8364% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 1.4396% | 912 |
| Noncurrent loans to loans | 1.2678% | 1,330 |
| Net loans and leases to total assets | 86.0879% | 258 |
| Net loans and leases to deposits | 106.0782% | 439 |
| Net loans and leases to core deposits | 126.2632% | 405 |
| Total domestic deposits to total assets | 81.1551% | 3,827 |
| Equity capital to assets | 10.0760% | 3,564 |
| Core capital (leverage) ratio | 10.3364% | 3,247 |
| Tier 1 risk-based capital ratio | 11.6986% | 4,671 |
| Total risk-based capital ratio | 12.9509% | 4,559 |
| Memoranda: |
| Average total assets | $1,108,515,750 | 691 |
| Average earning assets | $1,067,732,750 | 659 |
| Average equity | $113,504,250 | 752 |
| Average total loans | $976,363,750 | 570 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4639% | 2,202 |
| Cost of funding earning assets | 0.9112% | 702 |
| Net interest margin | 3.5527% | 3,461 |
| Noninterest income to average assets | 0.2091% | 4,762 |
| Noninterest expense to average assets | 2.9756% | 2,117 |
| Loan and lease loss provision to assets | 0.1604% | 1,163 |
| Net operating income to assets | 0.3526% | 5,045 |
| Return on assets (ROA) | 0.3526% | 5,043 |
| Pretax return on assets | 0.5027% | 4,902 |
| Return on Equity (ROE) | 3.4242% | 4,942 |
| Retained earnings to average equity (ytd only) | 3.1964% | 3,968 |
| Net charge-offs to loans | 0.2549% | 626 |
| Credit loss provision to net charge-offs | 71.1961% | 2,341 |
| Earnings coverage of net charge-offs (x) | 2.9439% | 2,930 |
| Efficiency ratio | 81.7426% | 854 |
| Assets per employee ($millions) | 6.6253% | 1,119 |
| Cash dividends to net income (ytd only)* | 6.6528% | 3,375 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4731% | 1,477 |
| Loan loss allowance to noncurrent loans | 107.8461% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 1.5422% | 854 |
| Noncurrent loans to loans | 1.3660% | 1,240 |
| Net loans and leases to total assets | 86.3758% | 235 |
| Net loans and leases to deposits | 104.9435% | 485 |
| Net loans and leases to core deposits | 124.5894% | 443 |
| Total domestic deposits to total assets | 82.3069% | 3,627 |
| Equity capital to assets | 10.3399% | 3,295 |
| Core capital (leverage) ratio | 10.5197% | 3,014 |
| Tier 1 risk-based capital ratio | 11.7803% | 4,630 |
| Total risk-based capital ratio | 13.0334% | 4,509 |
| Memoranda: |
| Average total assets | $1,091,337,000 | 700 |
| Average earning assets | $1,053,508,670 | 667 |
| Average equity | $112,376,670 | 755 |
| Average total loans | $964,229,330 | 575 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3716% | 2,289 |
| Cost of funding earning assets | 0.8373% | 803 |
| Net interest margin | 3.5343% | 3,408 |
| Noninterest income to average assets | 0.2161% | 4,715 |
| Noninterest expense to average assets | 2.8991% | 2,373 |
| Loan and lease loss provision to assets | 0.2599% | 554 |
| Net operating income to assets | 0.3338% | 5,043 |
| Return on assets (ROA) | 0.3338% | 5,047 |
| Pretax return on assets | 0.4853% | 4,895 |
| Return on Equity (ROE) | 3.2491% | 4,964 |
| Retained earnings to average equity (ytd only) | 3.0033% | 3,997 |
| Net charge-offs to loans | -0.0188% | 4,524 |
| Credit loss provision to net charge-offs | -1,555.5556% | 4,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5089% | 1,196 |
| Assets per employee ($millions) | 6.4847% | 1,214 |
| Cash dividends to net income (ytd only)* | 7.5640% | 2,636 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6095% | 1,137 |
| Loan loss allowance to noncurrent loans | 92.3109% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 1.5658% | 871 |
| Noncurrent loans to loans | 1.7435% | 979 |
| Net loans and leases to total assets | 88.3599% | 112 |
| Net loans and leases to deposits | 105.7871% | 390 |
| Net loans and leases to core deposits | 124.4851% | 462 |
| Total domestic deposits to total assets | 83.5261% | 3,491 |
| Equity capital to assets | 10.3103% | 3,268 |
| Core capital (leverage) ratio | 10.4547% | 3,003 |
| Tier 1 risk-based capital ratio | 11.4207% | 4,899 |
| Total risk-based capital ratio | 12.6753% | 4,801 |
| Memoranda: |
| Average total assets | $1,077,170,000 | 710 |
| Average earning assets | $1,044,836,000 | 674 |
| Average equity | $110,678,500 | 769 |
| Average total loans | $955,551,500 | 581 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4121% | 1,995 |
| Cost of funding earning assets | 0.7841% | 678 |
| Net interest margin | 3.6281% | 3,072 |
| Noninterest income to average assets | 0.3051% | 4,273 |
| Noninterest expense to average assets | 2.9084% | 2,426 |
| Loan and lease loss provision to assets | 0.2706% | 665 |
| Net operating income to assets | 0.1933% | 5,125 |
| Return on assets (ROA) | 0.1936% | 5,140 |
| Pretax return on assets | 0.6336% | 4,669 |
| Return on Equity (ROE) | 1.8214% | 5,096 |
| Retained earnings to average equity (ytd only) | 1.5693% | 4,370 |
| Net charge-offs to loans | 0.3925% | 638 |
| Credit loss provision to net charge-offs | 78.9934% | 2,956 |
| Earnings coverage of net charge-offs (x) | 2.6381% | 3,725 |
| Efficiency ratio | 76.2547% | 1,580 |
| Assets per employee ($millions) | 6.5724% | 1,167 |
| Cash dividends to net income (ytd only)* | 13.8432% | 3,839 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6402% | 1,054 |
| Loan loss allowance to noncurrent loans | 47.2591% | 4,539 |
| Noncurrent assets plus other real estate owned to assets | 3.0430% | 259 |
| Noncurrent loans to loans | 3.4707% | 294 |
| Net loans and leases to total assets | 86.2407% | 238 |
| Net loans and leases to deposits | 102.1028% | 602 |
| Net loans and leases to core deposits | 121.0143% | 559 |
| Total domestic deposits to total assets | 84.4646% | 3,049 |
| Equity capital to assets | 10.2396% | 3,450 |
| Core capital (leverage) ratio | 10.2377% | 3,143 |
| Tier 1 risk-based capital ratio | 11.6259% | 4,770 |
| Total risk-based capital ratio | 12.8810% | 4,653 |
| Memoranda: |
| Average total assets | $1,067,282,800 | 693 |
| Average earning assets | $1,031,678,800 | 659 |
| Average equity | $113,429,000 | 722 |
| Average total loans | $931,361,200 | 570 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4007% | 1,961 |
| Cost of funding earning assets | 0.7687% | 688 |
| Net interest margin | 3.6321% | 3,036 |
| Noninterest income to average assets | 0.3112% | 4,300 |
| Noninterest expense to average assets | 2.8983% | 2,416 |
| Loan and lease loss provision to assets | 0.2765% | 591 |
| Net operating income to assets | 0.3935% | 5,011 |
| Return on assets (ROA) | 0.3939% | 5,043 |
| Pretax return on assets | 0.6443% | 4,748 |
| Return on Equity (ROE) | 3.6720% | 4,947 |
| Retained earnings to average equity (ytd only) | 3.4163% | 3,891 |
| Net charge-offs to loans | 0.4974% | 412 |
| Credit loss provision to net charge-offs | 63.7782% | 2,761 |
| Earnings coverage of net charge-offs (x) | 2.1225% | 3,504 |
| Efficiency ratio | 75.8617% | 1,610 |
| Assets per employee ($millions) | 6.6642% | 1,092 |
| Cash dividends to net income (ytd only)* | 6.9634% | 3,555 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5992% | 1,242 |
| Loan loss allowance to noncurrent loans | 74.5457% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 1.8773% | 720 |
| Noncurrent loans to loans | 2.1453% | 767 |
| Net loans and leases to total assets | 86.1091% | 255 |
| Net loans and leases to deposits | 102.1557% | 604 |
| Net loans and leases to core deposits | 120.6129% | 573 |
| Total domestic deposits to total assets | 84.2920% | 3,002 |
| Equity capital to assets | 10.4052% | 3,472 |
| Core capital (leverage) ratio | 10.3453% | 3,146 |
| Tier 1 risk-based capital ratio | 11.7615% | 4,796 |
| Total risk-based capital ratio | 13.0160% | 4,660 |
| Memoranda: |
| Average total assets | $1,064,635,500 | 698 |
| Average earning assets | $1,028,072,750 | 663 |
| Average equity | $114,193,750 | 721 |
| Average total loans | $927,935,250 | 573 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3756% | 1,895 |
| Cost of funding earning assets | 0.7480% | 695 |
| Net interest margin | 3.6275% | 2,927 |
| Noninterest income to average assets | 0.3192% | 4,270 |
| Noninterest expense to average assets | 2.9574% | 2,243 |
| Loan and lease loss provision to assets | 0.1695% | 1,156 |
| Net operating income to assets | 0.4232% | 4,919 |
| Return on assets (ROA) | 0.4238% | 4,946 |
| Pretax return on assets | 0.6980% | 4,551 |
| Return on Equity (ROE) | 3.9115% | 4,849 |
| Retained earnings to average equity (ytd only) | 3.6490% | 3,534 |
| Net charge-offs to loans | 0.0753% | 1,866 |
| Credit loss provision to net charge-offs | 258.6207% | 1,055 |
| Earnings coverage of net charge-offs (x) | 13.2213% | 2,145 |
| Efficiency ratio | 77.2989% | 1,549 |
| Assets per employee ($millions) | 6.8512% | 986 |
| Cash dividends to net income (ytd only)* | 6.7111% | 3,443 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8314% | 830 |
| Loan loss allowance to noncurrent loans | 82.1049% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 1.9045% | 695 |
| Noncurrent loans to loans | 2.2305% | 720 |
| Net loans and leases to total assets | 83.8208% | 465 |
| Net loans and leases to deposits | 99.2541% | 794 |
| Net loans and leases to core deposits | 117.1992% | 677 |
| Total domestic deposits to total assets | 84.4507% | 3,029 |
| Equity capital to assets | 10.3023% | 3,568 |
| Core capital (leverage) ratio | 10.2537% | 3,198 |
| Tier 1 risk-based capital ratio | 11.9576% | 4,659 |
| Total risk-based capital ratio | 13.2150% | 4,544 |
| Memoranda: |
| Average total assets | $1,061,868,670 | 701 |
| Average earning assets | $1,025,927,000 | 667 |
| Average equity | $115,044,670 | 718 |
| Average total loans | $924,277,000 | 579 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4277% | 1,559 |
| Cost of funding earning assets | 0.7151% | 778 |
| Net interest margin | 3.7126% | 2,449 |
| Noninterest income to average assets | 0.3386% | 4,139 |
| Noninterest expense to average assets | 2.9415% | 2,326 |
| Loan and lease loss provision to assets | 0.1137% | 1,687 |
| Net operating income to assets | 0.5229% | 4,507 |
| Return on assets (ROA) | 0.5229% | 4,541 |
| Pretax return on assets | 0.8717% | 3,861 |
| Return on Equity (ROE) | 4.7081% | 4,513 |
| Retained earnings to average equity (ytd only) | 4.4248% | 3,215 |
| Net charge-offs to loans | -0.0121% | 4,504 |
| Credit loss provision to net charge-offs | -1,071.4286% | 4,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8672% | 2,088 |
| Assets per employee ($millions) | 7.0615% | 925 |
| Cash dividends to net income (ytd only)* | 6.0189% | 2,756 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7886% | 974 |
| Loan loss allowance to noncurrent loans | 92.5088% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 1.6715% | 906 |
| Noncurrent loans to loans | 1.9335% | 934 |
| Net loans and leases to total assets | 84.9041% | 297 |
| Net loans and leases to deposits | 100.5199% | 588 |
| Net loans and leases to core deposits | 118.7158% | 495 |
| Total domestic deposits to total assets | 84.4650% | 3,303 |
| Equity capital to assets | 10.2363% | 3,477 |
| Core capital (leverage) ratio | 10.5360% | 2,858 |
| Tier 1 risk-based capital ratio | 11.8876% | 4,786 |
| Total risk-based capital ratio | 13.1446% | 4,689 |
| Memoranda: |
| Average total assets | $1,054,983,000 | 708 |
| Average earning assets | $1,019,672,000 | 676 |
| Average equity | $117,159,000 | 703 |
| Average total loans | $927,200,500 | 584 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3868% | 1,860 |
| Cost of funding earning assets | 0.6400% | 1,107 |
| Net interest margin | 3.7468% | 2,518 |
| Noninterest income to average assets | 0.6433% | 2,451 |
| Noninterest expense to average assets | 3.0721% | 2,118 |
| Loan and lease loss provision to assets | 0.3802% | 424 |
| Net operating income to assets | 0.5214% | 4,546 |
| Return on assets (ROA) | 0.5354% | 4,586 |
| Pretax return on assets | 0.8304% | 4,091 |
| Return on Equity (ROE) | 4.5783% | 4,628 |
| Retained earnings to average equity (ytd only) | 3.3867% | 3,514 |
| Net charge-offs to loans | 0.1981% | 1,400 |
| Credit loss provision to net charge-offs | 221.9430% | 1,292 |
| Earnings coverage of net charge-offs (x) | 6.9386% | 3,097 |
| Efficiency ratio | 72.0199% | 2,586 |
| Assets per employee ($millions) | 7.1002% | 879 |
| Cash dividends to net income (ytd only)* | 26.0272% | 3,479 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7560% | 1,034 |
| Loan loss allowance to noncurrent loans | 57.8865% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 2.7112% | 423 |
| Noncurrent loans to loans | 3.0335% | 447 |
| Net loans and leases to total assets | 87.8066% | 134 |
| Net loans and leases to deposits | 104.6149% | 410 |
| Net loans and leases to core deposits | 123.7543% | 389 |
| Total domestic deposits to total assets | 83.9331% | 3,444 |
| Equity capital to assets | 12.0050% | 1,805 |
| Core capital (leverage) ratio | 12.0301% | 1,578 |
| Tier 1 risk-based capital ratio | 13.5030% | 3,769 |
| Total risk-based capital ratio | 14.7598% | 3,664 |
| Memoranda: |
| Average total assets | $1,045,511,600 | 688 |
| Average earning assets | $1,009,393,800 | 657 |
| Average equity | $122,273,400 | 653 |
| Average total loans | $903,977,400 | 561 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4175% | 1,803 |
| Cost of funding earning assets | 0.6304% | 1,138 |
| Net interest margin | 3.7871% | 2,378 |
| Noninterest income to average assets | 0.7357% | 2,019 |
| Noninterest expense to average assets | 3.1313% | 1,953 |
| Loan and lease loss provision to assets | 0.4066% | 356 |
| Net operating income to assets | 0.5067% | 4,674 |
| Return on assets (ROA) | 0.5254% | 4,695 |
| Pretax return on assets | 0.8829% | 4,040 |
| Return on Equity (ROE) | 4.5225% | 4,710 |
| Retained earnings to average equity (ytd only) | 3.3943% | 3,865 |
| Net charge-offs to loans | 0.2063% | 1,134 |
| Credit loss provision to net charge-offs | 229.8561% | 1,284 |
| Earnings coverage of net charge-offs (x) | 7.1244% | 2,915 |
| Efficiency ratio | 71.2133% | 2,698 |
| Assets per employee ($millions) | 6.7172% | 994 |
| Cash dividends to net income (ytd only)* | 24.9455% | 3,025 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7273% | 1,150 |
| Loan loss allowance to noncurrent loans | 71.5605% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 2.1465% | 698 |
| Noncurrent loans to loans | 2.4137% | 741 |
| Net loans and leases to total assets | 87.3938% | 174 |
| Net loans and leases to deposits | 103.4082% | 486 |
| Net loans and leases to core deposits | 120.7540% | 483 |
| Total domestic deposits to total assets | 84.5134% | 3,025 |
| Equity capital to assets | 11.9585% | 2,154 |
| Core capital (leverage) ratio | 11.8521% | 1,785 |
| Tier 1 risk-based capital ratio | 13.3606% | 3,949 |
| Total risk-based capital ratio | 14.6168% | 3,856 |
| Memoranda: |
| Average total assets | $1,047,733,750 | 692 |
| Average earning assets | $1,011,395,750 | 653 |
| Average equity | $121,730,000 | 658 |
| Average total loans | $898,348,750 | 561 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4201% | 1,769 |
| Cost of funding earning assets | 0.6251% | 1,161 |
| Net interest margin | 3.7950% | 2,340 |
| Noninterest income to average assets | 0.9318% | 1,285 |
| Noninterest expense to average assets | 3.2257% | 1,750 |
| Loan and lease loss provision to assets | 0.5503% | 221 |
| Net operating income to assets | 0.4782% | 4,773 |
| Return on assets (ROA) | 0.5062% | 4,766 |
| Pretax return on assets | 0.8636% | 4,070 |
| Return on Equity (ROE) | 4.3990% | 4,757 |
| Retained earnings to average equity (ytd only) | 3.4046% | 3,724 |
| Net charge-offs to loans | 0.0480% | 2,523 |
| Credit loss provision to net charge-offs | 1,352.8037% | 293 |
| Earnings coverage of net charge-offs (x) | 33.6822% | 1,300 |
| Efficiency ratio | 70.0926% | 2,970 |
| Assets per employee ($millions) | 6.7491% | 977 |
| Cash dividends to net income (ytd only)* | 22.6061% | 3,102 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8600% | 956 |
| Loan loss allowance to noncurrent loans | 87.7479% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 1.7918% | 963 |
| Noncurrent loans to loans | 2.1197% | 917 |
| Net loans and leases to total assets | 82.9581% | 520 |
| Net loans and leases to deposits | 95.5613% | 1,122 |
| Net loans and leases to core deposits | 114.9369% | 681 |
| Total domestic deposits to total assets | 86.8114% | 2,006 |
| Equity capital to assets | 11.4995% | 2,551 |
| Core capital (leverage) ratio | 11.7519% | 1,813 |
| Tier 1 risk-based capital ratio | 13.4901% | 3,911 |
| Total risk-based capital ratio | 14.7478% | 3,818 |
| Memoranda: |
| Average total assets | $1,052,159,670 | 685 |
| Average earning assets | $1,015,859,330 | 651 |
| Average equity | $121,071,670 | 661 |
| Average total loans | $891,151,670 | 562 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4120% | 1,769 |
| Cost of funding earning assets | 0.6277% | 1,167 |
| Net interest margin | 3.7843% | 2,352 |
| Noninterest income to average assets | 0.4095% | 3,756 |
| Noninterest expense to average assets | 3.1083% | 2,076 |
| Loan and lease loss provision to assets | 0.9932% | 93 |
| Net operating income to assets | 0.0015% | 5,783 |
| Return on assets (ROA) | 0.0015% | 5,811 |
| Pretax return on assets | -0.0390% | 5,834 |
| Return on Equity (ROE) | 0.0133% | 5,812 |
| Retained earnings to average equity (ytd only) | -0.5686% | 5,214 |
| Net charge-offs to loans | 0.0555% | 1,962 |
| Credit loss provision to net charge-offs | 2,109.7561% | 200 |
| Earnings coverage of net charge-offs (x) | 20.2683% | 1,473 |
| Efficiency ratio | 76.3991% | 2,123 |
| Assets per employee ($millions) | 6.4885% | 1,114 |
| Cash dividends to net income (ytd only)* | 4,375.0000% | 4 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8519% | 1,048 |
| Loan loss allowance to noncurrent loans | 84.5176% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 1.8753% | 963 |
| Noncurrent loans to loans | 2.1911% | 935 |
| Net loans and leases to total assets | 83.9995% | 374 |
| Net loans and leases to deposits | 96.6515% | 879 |
| Net loans and leases to core deposits | 112.0208% | 749 |
| Total domestic deposits to total assets | 86.9096% | 2,251 |
| Equity capital to assets | 11.5161% | 2,428 |
| Core capital (leverage) ratio | 11.5345% | 1,950 |
| Tier 1 risk-based capital ratio | 13.7595% | 3,830 |
| Total risk-based capital ratio | 15.0178% | 3,760 |
| Memoranda: |
| Average total assets | $1,045,057,000 | 691 |
| Average earning assets | $1,008,796,500 | 652 |
| Average equity | $120,294,000 | 668 |
| Average total loans | $886,026,500 | 565 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4188% | 1,840 |
| Cost of funding earning assets | 0.6400% | 1,127 |
| Net interest margin | 3.7789% | 2,450 |
| Noninterest income to average assets | 0.3902% | 4,107 |
| Noninterest expense to average assets | 2.9965% | 2,560 |
| Loan and lease loss provision to assets | 0.1455% | 1,625 |
| Net operating income to assets | 0.5349% | 4,559 |
| Return on assets (ROA) | 0.5461% | 4,609 |
| Pretax return on assets | 0.9047% | 3,823 |
| Return on Equity (ROE) | 4.6480% | 4,683 |
| Retained earnings to average equity (ytd only) | 4.6404% | 2,686 |
| Net charge-offs to loans | 0.0237% | 3,786 |
| Credit loss provision to net charge-offs | 741.1168% | 453 |
| Earnings coverage of net charge-offs (x) | 52.5838% | 966 |
| Efficiency ratio | 74.2466% | 2,539 |
| Assets per employee ($millions) | 6.7017% | 1,003 |
| Cash dividends to net income (ytd only)* | 0.1643% | 4,257 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6042% | 1,600 |
| Loan loss allowance to noncurrent loans | 68.6671% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 1.9620% | 910 |
| Noncurrent loans to loans | 2.3362% | 819 |
| Net loans and leases to total assets | 82.6342% | 530 |
| Net loans and leases to deposits | 95.1208% | 1,100 |
| Net loans and leases to core deposits | 109.5519% | 882 |
| Total domestic deposits to total assets | 86.8729% | 2,205 |
| Equity capital to assets | 11.5054% | 2,357 |
| Core capital (leverage) ratio | 11.5737% | 1,906 |
| Tier 1 risk-based capital ratio | 14.1332% | 3,648 |
| Total risk-based capital ratio | 15.3886% | 3,556 |
| Memoranda: |
| Average total assets | $1,003,140,800 | 688 |
| Average earning assets | $965,999,000 | 655 |
| Average equity | $117,857,400 | 650 |
| Average total loans | $832,504,000 | 563 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4786% | 1,665 |
| Cost of funding earning assets | 0.6317% | 1,202 |
| Net interest margin | 3.8469% | 2,207 |
| Noninterest income to average assets | 0.3792% | 4,221 |
| Noninterest expense to average assets | 3.0178% | 2,465 |
| Loan and lease loss provision to assets | 0.1558% | 1,392 |
| Net operating income to assets | 0.5375% | 4,641 |
| Return on assets (ROA) | 0.5526% | 4,678 |
| Pretax return on assets | 0.9333% | 3,875 |
| Return on Equity (ROE) | 4.6782% | 4,765 |
| Retained earnings to average equity (ytd only) | 4.6680% | 3,151 |
| Net charge-offs to loans | -0.0177% | 5,161 |
| Credit loss provision to net charge-offs | -1,064.2202% | 5,503 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7812% | 2,595 |
| Assets per employee ($millions) | 6.8518% | 927 |
| Cash dividends to net income (ytd only)* | 0.2188% | 3,800 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6208% | 1,718 |
| Loan loss allowance to noncurrent loans | 234.9283% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.5721% | 3,575 |
| Noncurrent loans to loans | 0.6899% | 3,251 |
| Net loans and leases to total assets | 81.5872% | 625 |
| Net loans and leases to deposits | 93.8095% | 1,223 |
| Net loans and leases to core deposits | 108.3371% | 963 |
| Total domestic deposits to total assets | 86.9711% | 2,057 |
| Equity capital to assets | 11.3669% | 2,625 |
| Core capital (leverage) ratio | 11.6870% | 1,898 |
| Tier 1 risk-based capital ratio | 13.8791% | 3,916 |
| Total risk-based capital ratio | 15.1343% | 3,856 |
| Memoranda: |
| Average total assets | $992,559,000 | 700 |
| Average earning assets | $955,729,750 | 670 |
| Average equity | $117,250,500 | 659 |
| Average total loans | $821,130,250 | 570 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4697% | 1,630 |
| Cost of funding earning assets | 0.6198% | 1,288 |
| Net interest margin | 3.8499% | 2,137 |
| Noninterest income to average assets | 0.3696% | 4,301 |
| Noninterest expense to average assets | 3.0592% | 2,367 |
| Loan and lease loss provision to assets | 0.1232% | 1,789 |
| Net operating income to assets | 0.5325% | 4,642 |
| Return on assets (ROA) | 0.5325% | 4,750 |
| Pretax return on assets | 0.8937% | 3,981 |
| Return on Equity (ROE) | 4.4472% | 4,837 |
| Retained earnings to average equity (ytd only) | 4.4317% | 3,193 |
| Net charge-offs to loans | -0.0278% | 5,296 |
| Credit loss provision to net charge-offs | -535.7143% | 5,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9219% | 2,549 |
| Assets per employee ($millions) | 6.2571% | 1,182 |
| Cash dividends to net income (ytd only)* | 0.3471% | 3,639 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6142% | 1,860 |
| Loan loss allowance to noncurrent loans | 222.3591% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.5932% | 3,633 |
| Noncurrent loans to loans | 0.7259% | 3,307 |
| Net loans and leases to total assets | 80.3941% | 756 |
| Net loans and leases to deposits | 90.9927% | 1,486 |
| Net loans and leases to core deposits | 104.9871% | 1,128 |
| Total domestic deposits to total assets | 88.3523% | 1,466 |
| Equity capital to assets | 11.4804% | 2,434 |
| Core capital (leverage) ratio | 11.7977% | 1,776 |
| Tier 1 risk-based capital ratio | 14.3106% | 3,754 |
| Total risk-based capital ratio | 15.5658% | 3,671 |
| Memoranda: |
| Average total assets | $973,969,000 | 719 |
| Average earning assets | $937,681,670 | 683 |
| Average equity | $116,613,330 | 663 |
| Average total loans | $805,042,670 | 580 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6177% | 1,184 |
| Cost of funding earning assets | 0.5956% | 1,465 |
| Net interest margin | 4.0221% | 1,489 |
| Noninterest income to average assets | 0.3490% | 4,408 |
| Noninterest expense to average assets | 3.1257% | 2,192 |
| Loan and lease loss provision to assets | 0.1266% | 1,637 |
| Net operating income to assets | 0.5545% | 4,462 |
| Return on assets (ROA) | 0.5545% | 4,571 |
| Pretax return on assets | 0.9638% | 3,633 |
| Return on Equity (ROE) | 4.5304% | 4,746 |
| Retained earnings to average equity (ytd only) | 4.5304% | 3,307 |
| Net charge-offs to loans | -0.0573% | 5,585 |
| Credit loss provision to net charge-offs | -265.4867% | 4,675 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0166% | 2,813 |
| Assets per employee ($millions) | 5.8989% | 1,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6668% | 1,827 |
| Loan loss allowance to noncurrent loans | 177.2362% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.7815% | 3,160 |
| Noncurrent loans to loans | 0.9404% | 2,896 |
| Net loans and leases to total assets | 81.7124% | 491 |
| Net loans and leases to deposits | 93.2791% | 1,061 |
| Net loans and leases to core deposits | 107.3868% | 852 |
| Total domestic deposits to total assets | 87.5999% | 2,043 |
| Equity capital to assets | 12.2170% | 1,881 |
| Core capital (leverage) ratio | 12.2740% | 1,471 |
| Tier 1 risk-based capital ratio | 14.7309% | 3,584 |
| Total risk-based capital ratio | 15.9865% | 3,513 |
| Memoranda: |
| Average total assets | $947,874,500 | 736 |
| Average earning assets | $911,361,500 | 699 |
| Average equity | $116,016,500 | 664 |
| Average total loans | $788,311,000 | 589 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5690% | 1,641 |
| Cost of funding earning assets | 0.6436% | 1,449 |
| Net interest margin | 3.9254% | 2,139 |
| Noninterest income to average assets | 0.4440% | 3,875 |
| Noninterest expense to average assets | 3.1119% | 2,478 |
| Loan and lease loss provision to assets | -0.0625% | 6,072 |
| Net operating income to assets | 0.6696% | 4,040 |
| Return on assets (ROA) | 0.6807% | 4,104 |
| Pretax return on assets | 1.1892% | 2,692 |
| Return on Equity (ROE) | 5.8482% | 4,230 |
| Retained earnings to average equity (ytd only) | 5.8420% | 2,030 |
| Net charge-offs to loans | 0.0359% | 4,118 |
| Credit loss provision to net charge-offs | -224.7191% | 5,655 |
| Earnings coverage of net charge-offs (x) | 39.8577% | 1,089 |
| Efficiency ratio | 73.5078% | 2,925 |
| Assets per employee ($millions) | 6.0653% | 1,336 |
| Cash dividends to net income (ytd only)* | 0.1072% | 4,315 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6387% | 1,959 |
| Loan loss allowance to noncurrent loans | 153.2752% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.8899% | 2,980 |
| Noncurrent loans to loans | 1.0691% | 2,682 |
| Net loans and leases to total assets | 81.8721% | 533 |
| Net loans and leases to deposits | 93.5848% | 1,122 |
| Net loans and leases to core deposits | 106.6031% | 978 |
| Total domestic deposits to total assets | 87.4844% | 2,043 |
| Equity capital to assets | 12.2627% | 1,816 |
| Core capital (leverage) ratio | 11.9572% | 1,652 |
| Tier 1 risk-based capital ratio | 14.7812% | 3,612 |
| Total risk-based capital ratio | 16.0367% | 3,544 |
| Memoranda: |
| Average total assets | $959,315,200 | 702 |
| Average earning assets | $923,116,000 | 663 |
| Average equity | $111,657,400 | 653 |
| Average total loans | $743,389,200 | 584 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5612% | 1,669 |
| Cost of funding earning assets | 0.6568% | 1,411 |
| Net interest margin | 3.9044% | 2,218 |
| Noninterest income to average assets | 0.4753% | 3,715 |
| Noninterest expense to average assets | 3.0592% | 2,598 |
| Loan and lease loss provision to assets | -0.0553% | 6,202 |
| Net operating income to assets | 0.6984% | 3,947 |
| Return on assets (ROA) | 0.6984% | 4,042 |
| Pretax return on assets | 1.2286% | 2,661 |
| Return on Equity (ROE) | 6.0796% | 4,192 |
| Retained earnings to average equity (ytd only) | 6.0712% | 2,366 |
| Net charge-offs to loans | -0.0056% | 5,318 |
| Credit loss provision to net charge-offs | 1,290.3226% | 264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0601% | 3,163 |
| Assets per employee ($millions) | 6.1392% | 1,238 |
| Cash dividends to net income (ytd only)* | 0.1386% | 3,803 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7890% | 1,720 |
| Loan loss allowance to noncurrent loans | 312.9199% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.4389% | 4,598 |
| Noncurrent loans to loans | 0.5717% | 4,204 |
| Net loans and leases to total assets | 75.3931% | 1,306 |
| Net loans and leases to deposits | 85.4764% | 1,971 |
| Net loans and leases to core deposits | 97.3284% | 1,567 |
| Total domestic deposits to total assets | 88.2034% | 1,654 |
| Equity capital to assets | 11.6834% | 2,327 |
| Core capital (leverage) ratio | 12.1967% | 1,577 |
| Tier 1 risk-based capital ratio | 15.3435% | 3,401 |
| Total risk-based capital ratio | 16.6007% | 3,329 |
| Memoranda: |
| Average total assets | $964,111,750 | 697 |
| Average earning assets | $927,741,500 | 662 |
| Average equity | $110,750,500 | 663 |
| Average total loans | $733,605,000 | 591 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6132% | 1,495 |
| Cost of funding earning assets | 0.6861% | 1,264 |
| Net interest margin | 3.9271% | 2,056 |
| Noninterest income to average assets | 0.3999% | 4,244 |
| Noninterest expense to average assets | 2.9983% | 2,834 |
| Loan and lease loss provision to assets | -0.0831% | 6,354 |
| Net operating income to assets | 0.7022% | 3,829 |
| Return on assets (ROA) | 0.7022% | 3,918 |
| Pretax return on assets | 1.2624% | 2,403 |
| Return on Equity (ROE) | 6.1479% | 4,074 |
| Retained earnings to average equity (ytd only) | 6.1352% | 2,243 |
| Net charge-offs to loans | -0.0082% | 5,281 |
| Credit loss provision to net charge-offs | 1,333.3333% | 268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5380% | 3,427 |
| Assets per employee ($millions) | 6.2778% | 1,120 |
| Cash dividends to net income (ytd only)* | 0.2072% | 3,635 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8438% | 1,719 |
| Loan loss allowance to noncurrent loans | 268.8736% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.5226% | 4,434 |
| Noncurrent loans to loans | 0.6857% | 4,001 |
| Net loans and leases to total assets | 74.8063% | 1,332 |
| Net loans and leases to deposits | 85.0512% | 1,922 |
| Net loans and leases to core deposits | 97.0712% | 1,519 |
| Total domestic deposits to total assets | 87.9545% | 1,927 |
| Equity capital to assets | 11.8018% | 2,151 |
| Core capital (leverage) ratio | 11.4907% | 2,006 |
| Tier 1 risk-based capital ratio | 15.4111% | 3,407 |
| Total risk-based capital ratio | 16.6687% | 3,342 |
| Memoranda: |
| Average total assets | $962,153,000 | 695 |
| Average earning assets | $925,519,000 | 663 |
| Average equity | $109,891,330 | 664 |
| Average total loans | $729,931,670 | 591 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7604% | 1,124 |
| Cost of funding earning assets | 0.6815% | 1,351 |
| Net interest margin | 4.0789% | 1,524 |
| Noninterest income to average assets | 0.3306% | 4,729 |
| Noninterest expense to average assets | 2.9214% | 3,149 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7387% | 3,492 |
| Return on assets (ROA) | 0.7387% | 3,573 |
| Pretax return on assets | 1.3388% | 1,963 |
| Return on Equity (ROE) | 6.5748% | 3,698 |
| Retained earnings to average equity (ytd only) | 6.5748% | 2,239 |
| Net charge-offs to loans | -0.0055% | 4,841 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3425% | 4,125 |
| Assets per employee ($millions) | 6.8613% | 859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8932% | 1,777 |
| Loan loss allowance to noncurrent loans | 397.9088% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.3485% | 5,110 |
| Noncurrent loans to loans | 0.4758% | 4,736 |
| Net loans and leases to total assets | 71.8532% | 1,597 |
| Net loans and leases to deposits | 81.0094% | 2,161 |
| Net loans and leases to core deposits | 91.7484% | 1,754 |
| Total domestic deposits to total assets | 88.6974% | 1,834 |
| Equity capital to assets | 11.1180% | 2,607 |
| Core capital (leverage) ratio | 11.3590% | 2,084 |
| Tier 1 risk-based capital ratio | 15.1858% | 3,619 |
| Total risk-based capital ratio | 16.4442% | 3,572 |
| Memoranda: |
| Average total assets | $969,259,000 | 695 |
| Average earning assets | $933,787,000 | 658 |
| Average equity | $108,900,000 | 666 |
| Average total loans | $733,677,500 | 591 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9235% | 1,048 |
| Cost of funding earning assets | 0.7429% | 1,546 |
| Net interest margin | 4.1807% | 1,419 |
| Noninterest income to average assets | 0.3656% | 4,697 |
| Noninterest expense to average assets | 2.6307% | 4,354 |
| Loan and lease loss provision to assets | 0.3741% | 829 |
| Net operating income to assets | 0.7688% | 3,451 |
| Return on assets (ROA) | 0.7653% | 3,564 |
| Pretax return on assets | 1.3931% | 1,803 |
| Return on Equity (ROE) | 6.7342% | 3,706 |
| Retained earnings to average equity (ytd only) | 6.7304% | 1,565 |
| Net charge-offs to loans | -0.0105% | 6,027 |
| Credit loss provision to net charge-offs | -4,600.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4002% | 5,555 |
| Assets per employee ($millions) | 6.5103% | 981 |
| Cash dividends to net income (ytd only)* | 0.0567% | 4,284 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8407% | 1,946 |
| Loan loss allowance to noncurrent loans | 394.0702% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.3655% | 5,156 |
| Noncurrent loans to loans | 0.4671% | 4,830 |
| Net loans and leases to total assets | 76.8061% | 976 |
| Net loans and leases to deposits | 86.9787% | 1,579 |
| Net loans and leases to core deposits | 98.6485% | 1,262 |
| Total domestic deposits to total assets | 88.3045% | 2,003 |
| Equity capital to assets | 11.3574% | 2,282 |
| Core capital (leverage) ratio | 11.1738% | 2,221 |
| Tier 1 risk-based capital ratio | 14.6609% | 3,857 |
| Total risk-based capital ratio | 15.9179% | 3,797 |
| Memoranda: |
| Average total assets | $922,254,800 | 717 |
| Average earning assets | $890,745,200 | 671 |
| Average equity | $104,808,400 | 679 |
| Average total loans | $712,073,800 | 593 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9021% | 1,120 |
| Cost of funding earning assets | 0.7519% | 1,595 |
| Net interest margin | 4.1502% | 1,482 |
| Noninterest income to average assets | 0.3278% | 5,067 |
| Noninterest expense to average assets | 2.4841% | 4,777 |
| Loan and lease loss provision to assets | 0.4152% | 714 |
| Net operating income to assets | 0.8011% | 3,337 |
| Return on assets (ROA) | 0.8017% | 3,468 |
| Pretax return on assets | 1.4418% | 1,792 |
| Return on Equity (ROE) | 7.0534% | 3,616 |
| Retained earnings to average equity (ytd only) | 7.0483% | 1,846 |
| Net charge-offs to loans | 0.0665% | 3,967 |
| Credit loss provision to net charge-offs | 811.9658% | 365 |
| Earnings coverage of net charge-offs (x) | 36.2990% | 1,078 |
| Efficiency ratio | 56.8643% | 5,815 |
| Assets per employee ($millions) | 7.0833% | 714 |
| Cash dividends to net income (ytd only)* | 0.0726% | 3,735 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7011% | 2,618 |
| Loan loss allowance to noncurrent loans | 231.7292% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.5673% | 4,749 |
| Noncurrent loans to loans | 0.7341% | 4,383 |
| Net loans and leases to total assets | 75.9675% | 1,008 |
| Net loans and leases to deposits | 85.6054% | 1,661 |
| Net loans and leases to core deposits | 97.4988% | 1,274 |
| Total domestic deposits to total assets | 88.7415% | 1,699 |
| Equity capital to assets | 11.0262% | 2,733 |
| Core capital (leverage) ratio | 11.2712% | 2,228 |
| Tier 1 risk-based capital ratio | 14.4689% | 4,090 |
| Total risk-based capital ratio | 15.7251% | 4,042 |
| Memoranda: |
| Average total assets | $915,194,250 | 726 |
| Average earning assets | $884,822,750 | 678 |
| Average equity | $104,022,500 | 689 |
| Average total loans | $704,159,750 | 596 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8365% | 1,250 |
| Cost of funding earning assets | 0.7586% | 1,654 |
| Net interest margin | 4.0779% | 1,606 |
| Noninterest income to average assets | 0.3047% | 5,273 |
| Noninterest expense to average assets | 2.4694% | 4,838 |
| Loan and lease loss provision to assets | 0.4337% | 682 |
| Net operating income to assets | 0.7494% | 3,572 |
| Return on assets (ROA) | 0.7503% | 3,719 |
| Pretax return on assets | 1.3486% | 2,130 |
| Return on Equity (ROE) | 6.5311% | 3,863 |
| Retained earnings to average equity (ytd only) | 6.5233% | 2,127 |
| Net charge-offs to loans | -0.0171% | 5,916 |
| Credit loss provision to net charge-offs | -3,305.0847% | 6,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6901% | 5,780 |
| Assets per employee ($millions) | 7.1412% | 677 |
| Cash dividends to net income (ytd only)* | 0.1186% | 3,518 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6465% | 2,988 |
| Loan loss allowance to noncurrent loans | 397.8431% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.3296% | 5,491 |
| Noncurrent loans to loans | 0.4138% | 5,222 |
| Net loans and leases to total assets | 78.3356% | 707 |
| Net loans and leases to deposits | 88.4565% | 1,287 |
| Net loans and leases to core deposits | 99.3344% | 1,125 |
| Total domestic deposits to total assets | 88.5583% | 1,885 |
| Equity capital to assets | 11.2869% | 2,483 |
| Core capital (leverage) ratio | 11.4672% | 1,959 |
| Tier 1 risk-based capital ratio | 14.2368% | 4,267 |
| Total risk-based capital ratio | 15.4922% | 4,220 |
| Memoranda: |
| Average total assets | $899,150,330 | 735 |
| Average earning assets | $870,012,000 | 687 |
| Average equity | $103,290,670 | 697 |
| Average total loans | $690,720,000 | 605 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7705% | 1,349 |
| Cost of funding earning assets | 0.7655% | 1,744 |
| Net interest margin | 4.0050% | 1,759 |
| Noninterest income to average assets | 0.2885% | 5,390 |
| Noninterest expense to average assets | 2.5477% | 4,576 |
| Loan and lease loss provision to assets | 0.4748% | 576 |
| Net operating income to assets | 0.6410% | 4,012 |
| Return on assets (ROA) | 0.6390% | 4,189 |
| Pretax return on assets | 1.1450% | 2,789 |
| Return on Equity (ROE) | 5.5117% | 4,308 |
| Retained earnings to average equity (ytd only) | 5.4961% | 2,959 |
| Net charge-offs to loans | -0.0048% | 5,259 |
| Credit loss provision to net charge-offs | -13,125.0000% | 5,945 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6419% | 5,498 |
| Assets per employee ($millions) | 6.8863% | 817 |
| Cash dividends to net income (ytd only)* | 0.2831% | 2,669 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6544% | 3,182 |
| Loan loss allowance to noncurrent loans | 6,563.1579% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0192% | 6,557 |
| Noncurrent loans to loans | 0.0252% | 6,421 |
| Net loans and leases to total assets | 75.1038% | 951 |
| Net loans and leases to deposits | 85.8540% | 1,365 |
| Net loans and leases to core deposits | 96.0869% | 1,195 |
| Total domestic deposits to total assets | 87.4785% | 2,642 |
| Equity capital to assets | 11.6191% | 2,317 |
| Core capital (leverage) ratio | 11.6123% | 1,807 |
| Tier 1 risk-based capital ratio | 14.8092% | 3,963 |
| Total risk-based capital ratio | 16.0641% | 3,926 |
| Memoranda: |
| Average total assets | $884,550,000 | 755 |
| Average earning assets | $857,430,000 | 704 |
| Average equity | $102,545,000 | 713 |
| Average total loans | $666,378,500 | 630 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1012% | 1,314 |
| Cost of funding earning assets | 0.9342% | 1,740 |
| Net interest margin | 4.1669% | 1,754 |
| Noninterest income to average assets | 0.3104% | 5,230 |
| Noninterest expense to average assets | 2.6444% | 4,584 |
| Loan and lease loss provision to assets | 0.4174% | 1,530 |
| Net operating income to assets | 0.6690% | 3,890 |
| Return on assets (ROA) | 0.8150% | 3,463 |
| Pretax return on assets | 1.4532% | 1,842 |
| Return on Equity (ROE) | 6.7793% | 3,768 |
| Retained earnings to average equity (ytd only) | 6.7793% | 1,677 |
| Net charge-offs to loans | 0.1329% | 4,348 |
| Credit loss provision to net charge-offs | 455.6000% | 528 |
| Earnings coverage of net charge-offs (x) | 17.9293% | 1,473 |
| Efficiency ratio | 61.2121% | 5,356 |
| Assets per employee ($millions) | 6.6725% | 910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5534% | 3,504 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0399% | 6,549 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 73.1405% | 1,314 |
| Net loans and leases to deposits | 84.1386% | 1,739 |
| Net loans and leases to core deposits | 101.1392% | 950 |
| Total domestic deposits to total assets | 86.9286% | 2,874 |
| Equity capital to assets | 11.5664% | 2,380 |
| Core capital (leverage) ratio | 11.6639% | 1,756 |
| Tier 1 risk-based capital ratio | 14.0762% | 4,323 |
| Total risk-based capital ratio | 15.3286% | 4,281 |
| Memoranda: |
| Average total assets | $818,672,400 | 807 |
| Average earning assets | $781,268,800 | 765 |
| Average equity | $98,417,000 | 722 |
| Average total loans | $564,504,800 | 734 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2159% | 1,163 |
| Cost of funding earning assets | 0.9703% | 1,737 |
| Net interest margin | 4.2456% | 1,609 |
| Noninterest income to average assets | 0.2965% | 5,400 |
| Noninterest expense to average assets | 2.5619% | 4,876 |
| Loan and lease loss provision to assets | 0.4178% | 1,531 |
| Net operating income to assets | 0.7528% | 3,682 |
| Return on assets (ROA) | 0.8208% | 3,587 |
| Pretax return on assets | 1.4566% | 2,053 |
| Return on Equity (ROE) | 6.7572% | 3,930 |
| Retained earnings to average equity (ytd only) | 6.7572% | 2,246 |
| Net charge-offs to loans | 0.0152% | 5,476 |
| Credit loss provision to net charge-offs | 4,059.6774% | 69 |
| Earnings coverage of net charge-offs (x) | 171.7999% | 260 |
| Efficiency ratio | 59.1650% | 5,633 |
| Assets per employee ($millions) | 6.5432% | 932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6664% | 3,272 |
| Loan loss allowance to noncurrent loans | 1,721.9723% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.1035% | 6,468 |
| Noncurrent loans to loans | 0.0968% | 6,373 |
| Net loans and leases to total assets | 68.0006% | 2,296 |
| Net loans and leases to deposits | 78.3214% | 2,620 |
| Net loans and leases to core deposits | 87.6625% | 2,251 |
| Total domestic deposits to total assets | 86.8226% | 2,788 |
| Equity capital to assets | 11.6601% | 2,584 |
| Core capital (leverage) ratio | 11.5252% | 1,966 |
| Tier 1 risk-based capital ratio | 15.7770% | 3,390 |
| Total risk-based capital ratio | 17.0316% | 3,351 |
| Memoranda: |
| Average total assets | $803,147,250 | 822 |
| Average earning assets | $763,030,250 | 785 |
| Average equity | $97,552,750 | 731 |
| Average total loans | $542,039,250 | 770 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4076% | 857 |
| Cost of funding earning assets | 1.0175% | 1,666 |
| Net interest margin | 4.3901% | 1,230 |
| Noninterest income to average assets | 0.2953% | 5,442 |
| Noninterest expense to average assets | 2.5317% | 5,030 |
| Loan and lease loss provision to assets | 0.4718% | 1,353 |
| Net operating income to assets | 0.7779% | 3,476 |
| Return on assets (ROA) | 0.8721% | 3,294 |
| Pretax return on assets | 1.5666% | 1,652 |
| Return on Equity (ROE) | 7.0756% | 3,739 |
| Retained earnings to average equity (ytd only) | 7.0756% | 2,059 |
| Net charge-offs to loans | 0.0111% | 5,298 |
| Credit loss provision to net charge-offs | 6,368.9655% | 46 |
| Earnings coverage of net charge-offs (x) | 255.3103% | 169 |
| Efficiency ratio | 57.2394% | 5,967 |
| Assets per employee ($millions) | 7.0346% | 714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6389% | 3,464 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 65.6841% | 2,733 |
| Net loans and leases to deposits | 75.5391% | 3,050 |
| Net loans and leases to core deposits | 84.5826% | 2,614 |
| Total domestic deposits to total assets | 86.9538% | 2,797 |
| Equity capital to assets | 11.6144% | 2,475 |
| Core capital (leverage) ratio | 11.9377% | 1,634 |
| Tier 1 risk-based capital ratio | 16.4405% | 2,950 |
| Total risk-based capital ratio | 17.6948% | 2,910 |
| Memoranda: |
| Average total assets | $782,961,670 | 849 |
| Average earning assets | $736,152,670 | 818 |
| Average equity | $96,500,670 | 739 |
| Average total loans | $523,626,670 | 790 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4969% | 760 |
| Cost of funding earning assets | 1.0516% | 1,662 |
| Net interest margin | 4.4453% | 1,119 |
| Noninterest income to average assets | 0.2820% | 5,610 |
| Noninterest expense to average assets | 2.6601% | 4,583 |
| Loan and lease loss provision to assets | 0.4807% | 1,275 |
| Net operating income to assets | 0.6236% | 4,242 |
| Return on assets (ROA) | 0.8253% | 3,502 |
| Pretax return on assets | 1.5501% | 1,738 |
| Return on Equity (ROE) | 6.4834% | 4,049 |
| Retained earnings to average equity (ytd only) | 6.4834% | 2,698 |
| Net charge-offs to loans | 0.0247% | 4,343 |
| Credit loss provision to net charge-offs | 2,903.2258% | 103 |
| Earnings coverage of net charge-offs (x) | 103.6129% | 337 |
| Efficiency ratio | 60.7910% | 5,493 |
| Assets per employee ($millions) | 6.6581% | 896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5662% | 3,865 |
| Loan loss allowance to noncurrent loans | 4,226.2626% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0263% | 6,840 |
| Noncurrent loans to loans | 0.0371% | 6,667 |
| Net loans and leases to total assets | 69.9006% | 1,771 |
| Net loans and leases to deposits | 81.8710% | 1,951 |
| Net loans and leases to core deposits | 92.4843% | 1,600 |
| Total domestic deposits to total assets | 85.3789% | 3,846 |
| Equity capital to assets | 12.7581% | 1,568 |
| Core capital (leverage) ratio | 12.8868% | 1,168 |
| Tier 1 risk-based capital ratio | 16.7754% | 2,772 |
| Total risk-based capital ratio | 18.0287% | 2,727 |
| Memoranda: |
| Average total assets | $748,847,000 | 895 |
| Average earning assets | $689,623,500 | 879 |
| Average equity | $95,320,500 | 743 |
| Average total loans | $501,233,500 | 828 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2932% | 1,725 |
| Cost of funding earning assets | 1.2014% | 2,018 |
| Net interest margin | 4.0918% | 2,457 |
| Noninterest income to average assets | 0.2057% | 6,035 |
| Noninterest expense to average assets | 2.6343% | 4,977 |
| Loan and lease loss provision to assets | 0.4298% | 2,451 |
| Net operating income to assets | 0.5271% | 4,316 |
| Return on assets (ROA) | 0.6755% | 3,797 |
| Pretax return on assets | 1.2073% | 2,438 |
| Return on Equity (ROE) | 5.4682% | 4,154 |
| Retained earnings to average equity (ytd only) | 5.4682% | 2,325 |
| Net charge-offs to loans | 0.1833% | 4,681 |
| Credit loss provision to net charge-offs | 365.0587% | 636 |
| Earnings coverage of net charge-offs (x) | 11.9348% | 1,671 |
| Efficiency ratio | 65.2151% | 4,919 |
| Assets per employee ($millions) | 6.7757% | 827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6015% | 3,579 |
| Loan loss allowance to noncurrent loans | 4,657.1429% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0216% | 6,918 |
| Noncurrent loans to loans | 0.0344% | 6,739 |
| Net loans and leases to total assets | 61.8107% | 3,637 |
| Net loans and leases to deposits | 72.1253% | 3,772 |
| Net loans and leases to core deposits | 81.7922% | 3,208 |
| Total domestic deposits to total assets | 85.6990% | 3,484 |
| Equity capital to assets | 12.6995% | 1,656 |
| Core capital (leverage) ratio | 13.0641% | 1,118 |
| Tier 1 risk-based capital ratio | 17.8166% | 2,260 |
| Total risk-based capital ratio | 19.0686% | 2,232 |
| Memoranda: |
| Average total assets | $651,470,200 | 991 |
| Average earning assets | $610,386,200 | 965 |
| Average equity | $80,483,400 | 829 |
| Average total loans | $418,508,000 | 1,005 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3269% | 1,766 |
| Cost of funding earning assets | 1.1917% | 2,372 |
| Net interest margin | 4.1352% | 2,331 |
| Noninterest income to average assets | 0.1911% | 6,224 |
| Noninterest expense to average assets | 2.6585% | 4,876 |
| Loan and lease loss provision to assets | 0.4512% | 2,210 |
| Net operating income to assets | 0.5847% | 4,156 |
| Return on assets (ROA) | 0.7399% | 3,599 |
| Pretax return on assets | 1.2371% | 2,498 |
| Return on Equity (ROE) | 6.0391% | 4,006 |
| Retained earnings to average equity (ytd only) | 6.0391% | 2,537 |
| Net charge-offs to loans | 0.1602% | 4,496 |
| Credit loss provision to net charge-offs | 435.4508% | 644 |
| Earnings coverage of net charge-offs (x) | 13.9549% | 1,569 |
| Efficiency ratio | 64.7734% | 4,942 |
| Assets per employee ($millions) | 6.9715% | 748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6352% | 3,501 |
| Loan loss allowance to noncurrent loans | 837.5000% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.1170% | 6,758 |
| Noncurrent loans to loans | 0.1953% | 6,478 |
| Net loans and leases to total assets | 58.9225% | 4,339 |
| Net loans and leases to deposits | 72.5649% | 3,879 |
| Net loans and leases to core deposits | 83.2868% | 3,146 |
| Total domestic deposits to total assets | 81.1997% | 5,370 |
| Equity capital to assets | 12.9477% | 1,640 |
| Core capital (leverage) ratio | 13.6285% | 1,004 |
| Tier 1 risk-based capital ratio | 18.7866% | 1,998 |
| Total risk-based capital ratio | 20.0361% | 1,961 |
| Memoranda: |
| Average total assets | $628,006,000 | 1,041 |
| Average earning assets | $594,296,750 | 1,000 |
| Average equity | $76,941,000 | 880 |
| Average total loans | $406,087,500 | 1,049 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4603% | 1,387 |
| Cost of funding earning assets | 1.2136% | 2,483 |
| Net interest margin | 4.2466% | 1,858 |
| Noninterest income to average assets | 0.1914% | 6,296 |
| Noninterest expense to average assets | 2.7489% | 4,629 |
| Loan and lease loss provision to assets | 0.4869% | 2,025 |
| Net operating income to assets | 0.5990% | 4,068 |
| Return on assets (ROA) | 0.7387% | 3,463 |
| Pretax return on assets | 1.2413% | 2,340 |
| Return on Equity (ROE) | 6.1714% | 3,874 |
| Retained earnings to average equity (ytd only) | 6.1714% | 2,316 |
| Net charge-offs to loans | 0.2339% | 3,721 |
| Credit loss provision to net charge-offs | 312.5000% | 971 |
| Earnings coverage of net charge-offs (x) | 9.6918% | 1,888 |
| Efficiency ratio | 64.5459% | 5,141 |
| Assets per employee ($millions) | 6.3082% | 1,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5263% | 4,000 |
| Loan loss allowance to noncurrent loans | 985.0382% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.0989% | 6,846 |
| Noncurrent loans to loans | 0.1550% | 6,591 |
| Net loans and leases to total assets | 62.8453% | 3,709 |
| Net loans and leases to deposits | 75.6987% | 3,531 |
| Net loans and leases to core deposits | 93.4729% | 1,964 |
| Total domestic deposits to total assets | 83.0204% | 4,741 |
| Equity capital to assets | 11.0221% | 2,927 |
| Core capital (leverage) ratio | 11.7799% | 1,733 |
| Tier 1 risk-based capital ratio | 15.9605% | 2,992 |
| Total risk-based capital ratio | 17.2124% | 2,961 |
| Memoranda: |
| Average total assets | $595,664,000 | 1,115 |
| Average earning assets | $570,520,670 | 1,055 |
| Average equity | $71,296,330 | 952 |
| Average total loans | $396,680,330 | 1,091 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6096% | 1,035 |
| Cost of funding earning assets | 1.2114% | 2,738 |
| Net interest margin | 4.3983% | 1,282 |
| Noninterest income to average assets | 0.2170% | 6,178 |
| Noninterest expense to average assets | 2.7444% | 4,661 |
| Loan and lease loss provision to assets | 0.5513% | 1,568 |
| Net operating income to assets | 0.6518% | 3,744 |
| Return on assets (ROA) | 0.7533% | 3,320 |
| Pretax return on assets | 1.2769% | 2,112 |
| Return on Equity (ROE) | 6.0135% | 3,895 |
| Retained earnings to average equity (ytd only) | 6.0135% | 2,627 |
| Net charge-offs to loans | 0.3013% | 2,839 |
| Credit loss provision to net charge-offs | 268.1661% | 1,173 |
| Earnings coverage of net charge-offs (x) | 8.1211% | 1,858 |
| Efficiency ratio | 62.1757% | 5,653 |
| Assets per employee ($millions) | 5.8568% | 1,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4741% | 4,327 |
| Loan loss allowance to noncurrent loans | 684.0230% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.1471% | 6,798 |
| Noncurrent loans to loans | 0.2155% | 6,542 |
| Net loans and leases to total assets | 67.2397% | 2,705 |
| Net loans and leases to deposits | 81.7800% | 2,399 |
| Net loans and leases to core deposits | 103.2452% | 1,115 |
| Total domestic deposits to total assets | 82.2202% | 5,218 |
| Equity capital to assets | 12.0322% | 1,900 |
| Core capital (leverage) ratio | 12.6372% | 1,272 |
| Tier 1 risk-based capital ratio | 17.3754% | 2,345 |
| Total risk-based capital ratio | 18.6276% | 2,316 |
| Memoranda: |
| Average total assets | $562,317,000 | 1,201 |
| Average earning assets | $536,575,500 | 1,137 |
| Average equity | $70,441,500 | 954 |
| Average total loans | $383,664,000 | 1,145 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6048% | 1,874 |
| Cost of funding earning assets | 1.4183% | 3,146 |
| Net interest margin | 4.1866% | 2,239 |
| Noninterest income to average assets | 0.2072% | 6,315 |
| Noninterest expense to average assets | 2.6928% | 5,023 |
| Loan and lease loss provision to assets | 0.6202% | 2,653 |
| Net operating income to assets | 0.4398% | 4,365 |
| Return on assets (ROA) | 0.5550% | 4,024 |
| Pretax return on assets | 1.0263% | 2,850 |
| Return on Equity (ROE) | 4.7658% | 4,173 |
| Retained earnings to average equity (ytd only) | 4.7658% | 2,567 |
| Net charge-offs to loans | 0.1166% | 5,714 |
| Credit loss provision to net charge-offs | 821.3256% | 263 |
| Earnings coverage of net charge-offs (x) | 19.4207% | 1,060 |
| Efficiency ratio | 64.7394% | 5,212 |
| Assets per employee ($millions) | 5.7322% | 1,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5029% | 3,989 |
| Loan loss allowance to noncurrent loans | 141.0323% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.7269% | 5,551 |
| Noncurrent loans to loans | 1.0656% | 4,948 |
| Net loans and leases to total assets | 67.1856% | 3,164 |
| Net loans and leases to deposits | 83.2857% | 2,569 |
| Net loans and leases to core deposits | 104.2244% | 1,298 |
| Total domestic deposits to total assets | 80.6688% | 5,631 |
| Equity capital to assets | 13.0760% | 1,358 |
| Core capital (leverage) ratio | 13.5501% | 968 |
| Tier 1 risk-based capital ratio | 18.5475% | 1,827 |
| Total risk-based capital ratio | 19.7997% | 1,793 |
| Memoranda: |
| Average total assets | $459,492,800 | 1,446 |
| Average earning assets | $433,769,200 | 1,399 |
| Average equity | $53,506,200 | 1,251 |
| Average total loans | $297,703,400 | 1,503 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5955% | 2,080 |
| Cost of funding earning assets | 1.4766% | 3,110 |
| Net interest margin | 4.1189% | 2,536 |
| Noninterest income to average assets | 0.1932% | 6,507 |
| Noninterest expense to average assets | 2.6990% | 4,885 |
| Loan and lease loss provision to assets | 0.6045% | 2,522 |
| Net operating income to assets | 0.3991% | 4,755 |
| Return on assets (ROA) | 0.5009% | 4,503 |
| Pretax return on assets | 0.9204% | 3,493 |
| Return on Equity (ROE) | 4.4672% | 4,573 |
| Retained earnings to average equity (ytd only) | 4.4672% | 3,367 |
| Net charge-offs to loans | 0.1650% | 4,997 |
| Credit loss provision to net charge-offs | 574.7126% | 504 |
| Earnings coverage of net charge-offs (x) | 12.9856% | 1,635 |
| Efficiency ratio | 66.3965% | 4,773 |
| Assets per employee ($millions) | 5.6499% | 1,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3624% | 4,654 |
| Loan loss allowance to noncurrent loans | 139.0597% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.6673% | 5,786 |
| Noncurrent loans to loans | 0.9797% | 5,274 |
| Net loans and leases to total assets | 67.1858% | 3,412 |
| Net loans and leases to deposits | 80.7336% | 3,317 |
| Net loans and leases to core deposits | 100.9355% | 1,756 |
| Total domestic deposits to total assets | 83.2192% | 4,492 |
| Equity capital to assets | 10.1656% | 3,926 |
| Core capital (leverage) ratio | 10.0251% | 3,228 |
| Tier 1 risk-based capital ratio | 14.2996% | 3,632 |
| Total risk-based capital ratio | 15.5505% | 3,593 |
| Memoranda: |
| Average total assets | $441,091,500 | 1,535 |
| Average earning assets | $414,634,000 | 1,483 |
| Average equity | $49,455,750 | 1,362 |
| Average total loans | $281,221,750 | 1,611 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5584% | 2,297 |
| Cost of funding earning assets | 1.4800% | 3,367 |
| Net interest margin | 4.0784% | 2,665 |
| Noninterest income to average assets | 0.1880% | 6,557 |
| Noninterest expense to average assets | 2.7145% | 4,849 |
| Loan and lease loss provision to assets | 0.5919% | 2,416 |
| Net operating income to assets | 0.3793% | 4,855 |
| Return on assets (ROA) | 0.4527% | 4,700 |
| Pretax return on assets | 0.8102% | 3,846 |
| Return on Equity (ROE) | 3.8946% | 4,824 |
| Retained earnings to average equity (ytd only) | 3.8946% | 3,609 |
| Net charge-offs to loans | -0.0031% | 7,088 |
| Credit loss provision to net charge-offs | -31,250.0000% | 7,092 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8301% | 4,614 |
| Assets per employee ($millions) | 6.2116% | 1,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4025% | 4,405 |
| Loan loss allowance to noncurrent loans | 235.5307% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.3602% | 6,535 |
| Noncurrent loans to loans | 0.5955% | 6,052 |
| Net loans and leases to total assets | 59.6444% | 5,133 |
| Net loans and leases to deposits | 71.3900% | 5,090 |
| Net loans and leases to core deposits | 88.4456% | 3,489 |
| Total domestic deposits to total assets | 83.5473% | 4,315 |
| Equity capital to assets | 9.9997% | 4,025 |
| Core capital (leverage) ratio | 10.8388% | 2,372 |
| Tier 1 risk-based capital ratio | 15.6955% | 2,807 |
| Total risk-based capital ratio | 16.9466% | 2,772 |
| Memoranda: |
| Average total assets | $422,390,670 | 1,616 |
| Average earning assets | $395,008,000 | 1,569 |
| Average equity | $49,093,330 | 1,365 |
| Average total loans | $262,076,330 | 1,737 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4696% | 2,735 |
| Cost of funding earning assets | 1.4684% | 3,748 |
| Net interest margin | 4.0012% | 2,868 |
| Noninterest income to average assets | 0.1735% | 6,725 |
| Noninterest expense to average assets | 2.7783% | 4,571 |
| Loan and lease loss provision to assets | 0.5712% | 2,210 |
| Net operating income to assets | 0.3063% | 5,273 |
| Return on assets (ROA) | 0.3874% | 5,030 |
| Pretax return on assets | 0.7260% | 4,144 |
| Return on Equity (ROE) | 3.0577% | 5,313 |
| Retained earnings to average equity (ytd only) | 3.0577% | 4,301 |
| Net charge-offs to loans | 0.0346% | 5,092 |
| Credit loss provision to net charge-offs | 2,619.0476% | 197 |
| Earnings coverage of net charge-offs (x) | 53.6667% | 542 |
| Efficiency ratio | 70.3577% | 4,232 |
| Assets per employee ($millions) | 5.8516% | 1,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3302% | 4,775 |
| Loan loss allowance to noncurrent loans | 124.6341% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.6838% | 5,802 |
| Noncurrent loans to loans | 1.0673% | 5,214 |
| Net loans and leases to total assets | 63.2192% | 4,483 |
| Net loans and leases to deposits | 78.9526% | 3,847 |
| Net loans and leases to core deposits | 94.3269% | 2,798 |
| Total domestic deposits to total assets | 80.0723% | 5,756 |
| Equity capital to assets | 11.9523% | 2,063 |
| Core capital (leverage) ratio | 12.5458% | 1,391 |
| Tier 1 risk-based capital ratio | 18.0570% | 1,931 |
| Total risk-based capital ratio | 19.3076% | 1,902 |
| Memoranda: |
| Average total assets | $385,122,500 | 1,795 |
| Average earning assets | $363,389,500 | 1,730 |
| Average equity | $48,794,500 | 1,375 |
| Average total loans | $242,812,000 | 1,903 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3898% | 4,745 |
| Cost of funding earning assets | 1.9240% | 3,340 |
| Net interest margin | 3.4658% | 5,104 |
| Noninterest income to average assets | 0.1868% | 6,752 |
| Noninterest expense to average assets | 2.8551% | 4,724 |
| Loan and lease loss provision to assets | 0.6175% | 3,331 |
| Net operating income to assets | 0.5887% | 3,369 |
| Return on assets (ROA) | 0.7734% | 2,719 |
| Pretax return on assets | 0.2392% | 4,916 |
| Return on Equity (ROE) | 4.6333% | 3,827 |
| Retained earnings to average equity (ytd only) | 4.6333% | 2,013 |
| Net charge-offs to loans | 0.0130% | 7,040 |
| Credit loss provision to net charge-offs | 7,543.4783% | 42 |
| Earnings coverage of net charge-offs (x) | 82.0870% | 332 |
| Efficiency ratio | 80.9485% | 2,758 |
| Assets per employee ($millions) | 6.1125% | 1,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3272% | 4,611 |
| Loan loss allowance to noncurrent loans | 29.1106% | 6,533 |
| Noncurrent assets plus other real estate owned to assets | 2.8214% | 2,486 |
| Noncurrent loans to loans | 4.5591% | 1,548 |
| Net loans and leases to total assets | 61.0642% | 5,182 |
| Net loans and leases to deposits | 78.5473% | 4,266 |
| Net loans and leases to core deposits | 139.4824% | 830 |
| Total domestic deposits to total assets | 77.7420% | 6,288 |
| Equity capital to assets | 13.4848% | 1,326 |
| Core capital (leverage) ratio | 13.9274% | 997 |
| Tier 1 risk-based capital ratio | 20.1579% | 1,434 |
| Total risk-based capital ratio | 21.3971% | 1,397 |
| Memoranda: |
| Average total assets | $280,975,200 | 2,341 |
| Average earning assets | $270,788,200 | 2,232 |
| Average equity | $46,899,400 | 1,438 |
| Average total loans | $177,114,400 | 2,549 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6201% | 3,741 |
| Cost of funding earning assets | 2.0448% | 3,143 |
| Net interest margin | 3.5753% | 4,571 |
| Noninterest income to average assets | 0.2079% | 6,737 |
| Noninterest expense to average assets | 2.8366% | 4,733 |
| Loan and lease loss provision to assets | 0.6180% | 2,919 |
| Net operating income to assets | 0.1839% | 5,211 |
| Return on assets (ROA) | 0.3269% | 4,798 |
| Pretax return on assets | 0.3626% | 4,900 |
| Return on Equity (ROE) | 1.8364% | 5,223 |
| Retained earnings to average equity (ytd only) | 1.8364% | 4,292 |
| Net charge-offs to loans | 0.0080% | 6,851 |
| Credit loss provision to net charge-offs | 12,100.0000% | 26 |
| Earnings coverage of net charge-offs (x) | 160.9362% | 236 |
| Efficiency ratio | 77.5373% | 3,229 |
| Assets per employee ($millions) | 6.3478% | 1,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1748% | 5,267 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 62.4352% | 5,169 |
| Net loans and leases to deposits | 78.9435% | 4,572 |
| Net loans and leases to core deposits | 149.1849% | 599 |
| Total domestic deposits to total assets | 79.0885% | 5,774 |
| Equity capital to assets | 14.2723% | 1,214 |
| Core capital (leverage) ratio | 15.4421% | 776 |
| Tier 1 risk-based capital ratio | 21.3945% | 1,308 |
| Total risk-based capital ratio | 22.5182% | 1,308 |
| Memoranda: |
| Average total assets | $261,060,250 | 2,522 |
| Average earning assets | $251,947,000 | 2,406 |
| Average equity | $46,466,500 | 1,474 |
| Average total loans | $165,597,750 | 2,705 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6462% | 3,838 |
| Cost of funding earning assets | 2.1729% | 2,918 |
| Net interest margin | 3.4733% | 4,925 |
| Noninterest income to average assets | 0.1974% | 6,879 |
| Noninterest expense to average assets | 2.8624% | 4,675 |
| Loan and lease loss provision to assets | 0.6175% | 2,581 |
| Net operating income to assets | 0.0776% | 5,628 |
| Return on assets (ROA) | 0.2504% | 5,181 |
| Pretax return on assets | 0.2756% | 5,260 |
| Return on Equity (ROE) | 1.2886% | 5,538 |
| Retained earnings to average equity (ytd only) | 1.2886% | 4,622 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2780% | 2,996 |
| Assets per employee ($millions) | 5.7821% | 1,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0918% | 5,658 |
| Loan loss allowance to noncurrent loans | 19,850.0000% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 7,650 |
| Noncurrent loans to loans | 0.0055% | 7,558 |
| Net loans and leases to total assets | 66.1698% | 4,536 |
| Net loans and leases to deposits | 88.2428% | 3,134 |
| Net loans and leases to core deposits | 158.5251% | 478 |
| Total domestic deposits to total assets | 74.9860% | 6,763 |
| Equity capital to assets | 17.1173% | 646 |
| Core capital (leverage) ratio | 18.1204% | 500 |
| Tier 1 risk-based capital ratio | 23.0450% | 1,123 |
| Total risk-based capital ratio | 24.0329% | 1,127 |
| Memoranda: |
| Average total assets | $238,051,670 | 2,771 |
| Average earning assets | $230,845,000 | 2,623 |
| Average equity | $46,251,670 | 1,487 |
| Average total loans | $151,283,670 | 2,957 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6059% | 4,319 |
| Cost of funding earning assets | 2.2260% | 3,032 |
| Net interest margin | 3.3799% | 5,215 |
| Noninterest income to average assets | 0.2007% | 6,856 |
| Noninterest expense to average assets | 2.8843% | 4,212 |
| Loan and lease loss provision to assets | 0.5606% | 2,237 |
| Net operating income to assets | 0.0452% | 6,143 |
| Return on assets (ROA) | 0.2188% | 5,764 |
| Pretax return on assets | 0.2188% | 5,892 |
| Return on Equity (ROE) | 1.0495% | 6,110 |
| Retained earnings to average equity (ytd only) | 1.0495% | 5,224 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6425% | 2,458 |
| Assets per employee ($millions) | 5.8909% | 1,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0458% | 5,832 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 61.1172% | 5,483 |
| Net loans and leases to deposits | 80.0940% | 4,594 |
| Net loans and leases to core deposits | 132.0659% | 1,536 |
| Total domestic deposits to total assets | 76.3069% | 6,451 |
| Equity capital to assets | 19.1396% | 475 |
| Core capital (leverage) ratio | 20.7952% | 363 |
| Tier 1 risk-based capital ratio | 27.1606% | 808 |
| Total risk-based capital ratio | 28.0791% | 814 |
| Memoranda: |
| Average total assets | $221,197,500 | 2,976 |
| Average earning assets | $215,274,500 | 2,821 |
| Average equity | $46,118,500 | 1,499 |
| Average total loans | $136,021,500 | 3,247 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3977% | 7,462 |
| Cost of funding earning assets | 1.6115% | 7,425 |
| Net interest margin | 3.7862% | 4,076 |
| Noninterest income to average assets | 0.2234% | 6,846 |
| Noninterest expense to average assets | 4.0116% | 1,402 |
| Loan and lease loss provision to assets | 0.8620% | 1,734 |
| Net operating income to assets | -1.0531% | 7,273 |
| Return on assets (ROA) | -1.0006% | 7,170 |
| Pretax return on assets | -0.9594% | 6,979 |
| Return on Equity (ROE) | -2.8943% | 6,608 |
| Retained earnings to average equity (ytd only) | -2.8943% | 6,083 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.8820% | 874 |
| Assets per employee ($millions) | 5.2860% | 1,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0173% | 5,868 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 60.5464% | 5,832 |
| Net loans and leases to deposits | 78.9104% | 5,213 |
| Net loans and leases to core deposits | 120.8396% | 2,617 |
| Total domestic deposits to total assets | 76.7281% | 6,061 |
| Equity capital to assets | 22.9055% | 318 |
| Core capital (leverage) ratio | 25.2442% | 260 |
| Tier 1 risk-based capital ratio | 32.3469% | 533 |
| Total risk-based capital ratio | 33.2258% | 537 |
| Memoranda: |
| Average total assets | $133,414,200 | 4,213 |
| Average earning assets | $128,203,000 | 4,078 |
| Average equity | $46,125,000 | 1,479 |
| Average total loans | $65,286,000 | 5,048 |
