| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0234% | 616 |
| Cost of funding earning assets | 2.4338% | 422 |
| Net interest margin | 3.5896% | 1,989 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 2.0007% | 3,635 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 1.0386% | 2,099 |
| Return on assets (ROA) | 0.8138% | 2,805 |
| Pretax return on assets | 1.1607% | 2,235 |
| Return on Equity (ROE) | 10.7500% | 2,295 |
| Retained earnings to average equity (ytd only) | 10.7539% | 849 |
| Net charge-offs to loans | 0.0061% | 2,470 |
| Credit loss provision to net charge-offs | 3,000.0000% | 162 |
| Earnings coverage of net charge-offs (x) | 346.1300% | 391 |
| Efficiency ratio | 55.8051% | 3,517 |
| Assets per employee ($millions) | 15.5639% | 187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0991% | 2,846 |
| Loan loss allowance to noncurrent loans | 1,388.3164% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.0619% | 3,160 |
| Noncurrent loans to loans | 0.0792% | 3,154 |
| Net loans and leases to total assets | 77.3500% | 930 |
| Net loans and leases to deposits | 104.0227% | 357 |
| Net loans and leases to core deposits | 142.3239% | 249 |
| Total domestic deposits to total assets | 74.3600% | 4,078 |
| Equity capital to assets | 8.1513% | 3,310 |
| Core capital (leverage) ratio | 10.5345% | 2,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6251% | 2,679 |
| Memoranda: |
| Average total assets | $2,184,575,000 | 522 |
| Average earning assets | $2,063,495,600 | 506 |
| Average equity | $165,326,400 | 623 |
| Average total loans | $1,635,909,800 | 486 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8921% | 608 |
| Cost of funding earning assets | 2.2809% | 426 |
| Net interest margin | 3.6112% | 1,980 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 1.9731% | 3,657 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.0943% | 2,075 |
| Return on assets (ROA) | 1.0548% | 2,191 |
| Pretax return on assets | 1.4708% | 1,630 |
| Return on Equity (ROE) | 14.2200% | 1,600 |
| Retained earnings to average equity (ytd only) | 14.2188% | 648 |
| Net charge-offs to loans | 0.0083% | 2,103 |
| Credit loss provision to net charge-offs | 1,669.0000% | 285 |
| Earnings coverage of net charge-offs (x) | 265.7600% | 489 |
| Efficiency ratio | 54.7658% | 3,518 |
| Assets per employee ($millions) | 14.9447% | 201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0659% | 3,042 |
| Loan loss allowance to noncurrent loans | 1,285.1986% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.7046% | 802 |
| Noncurrent loans to loans | 0.0829% | 3,168 |
| Net loans and leases to total assets | 75.2000% | 1,209 |
| Net loans and leases to deposits | 96.6284% | 707 |
| Net loans and leases to core deposits | 130.1005% | 345 |
| Total domestic deposits to total assets | 77.8300% | 3,836 |
| Equity capital to assets | 7.3367% | 3,447 |
| Core capital (leverage) ratio | 10.5854% | 2,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6289% | 2,701 |
| Memoranda: |
| Average total assets | $2,174,309,000 | 527 |
| Average earning assets | $2,049,698,000 | 508 |
| Average equity | $161,303,500 | 633 |
| Average total loans | $1,609,725,500 | 494 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7429% | 602 |
| Cost of funding earning assets | 2.0400% | 453 |
| Net interest margin | 3.7029% | 1,805 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 1.9663% | 3,671 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 1.1315% | 2,031 |
| Return on assets (ROA) | 1.0722% | 2,197 |
| Pretax return on assets | 1.4959% | 1,608 |
| Return on Equity (ROE) | 14.4000% | 1,597 |
| Retained earnings to average equity (ytd only) | 14.3989% | 634 |
| Net charge-offs to loans | 0.0126% | 1,721 |
| Credit loss provision to net charge-offs | 1,503.0000% | 315 |
| Earnings coverage of net charge-offs (x) | 186.7600% | 646 |
| Efficiency ratio | 53.2855% | 3,668 |
| Assets per employee ($millions) | 15.1920% | 190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0687% | 3,096 |
| Loan loss allowance to noncurrent loans | 113.8909% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 0.7030% | 746 |
| Noncurrent loans to loans | 0.9383% | 814 |
| Net loans and leases to total assets | 74.1100% | 1,276 |
| Net loans and leases to deposits | 93.2776% | 924 |
| Net loans and leases to core deposits | 118.5598% | 552 |
| Total domestic deposits to total assets | 79.4600% | 3,655 |
| Equity capital to assets | 7.5428% | 3,495 |
| Core capital (leverage) ratio | 10.2807% | 2,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5870% | 2,740 |
| Memoranda: |
| Average total assets | $2,166,789,000 | 510 |
| Average earning assets | $2,047,181,667 | 498 |
| Average equity | $161,345,333 | 629 |
| Average total loans | $1,589,662,667 | 485 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6735% | 471 |
| Cost of funding earning assets | 1.7132% | 555 |
| Net interest margin | 3.9602% | 1,347 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 2.0389% | 3,526 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.3555% | 1,526 |
| Return on assets (ROA) | 1.2357% | 1,806 |
| Pretax return on assets | 1.7046% | 1,264 |
| Return on Equity (ROE) | 16.7100% | 1,220 |
| Retained earnings to average equity (ytd only) | 16.7057% | 617 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 51.8854% | 3,790 |
| Assets per employee ($millions) | 15.2481% | 196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0476% | 3,304 |
| Loan loss allowance to noncurrent loans | 115.0913% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 0.6577% | 754 |
| Noncurrent loans to loans | 0.9102% | 831 |
| Net loans and leases to total assets | 71.5000% | 1,471 |
| Net loans and leases to deposits | 95.5460% | 677 |
| Net loans and leases to core deposits | 105.6077% | 848 |
| Total domestic deposits to total assets | 74.8300% | 4,236 |
| Equity capital to assets | 7.6593% | 3,469 |
| Core capital (leverage) ratio | 10.0508% | 2,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8568% | 2,768 |
| Memoranda: |
| Average total assets | $2,148,761,500 | 530 |
| Average earning assets | $2,031,708,000 | 512 |
| Average equity | $158,939,500 | 652 |
| Average total loans | $1,559,361,500 | 504 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2496% | 1,159 |
| Cost of funding earning assets | 0.3968% | 2,136 |
| Net interest margin | 3.8529% | 1,059 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 1.9549% | 3,697 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 1.2464% | 1,614 |
| Return on assets (ROA) | 1.2311% | 1,609 |
| Pretax return on assets | 1.6982% | 919 |
| Return on Equity (ROE) | 17.4900% | 783 |
| Retained earnings to average equity (ytd only) | 17.4876% | 153 |
| Net charge-offs to loans | 0.0063% | 2,189 |
| Credit loss provision to net charge-offs | 4,178.5714% | 154 |
| Earnings coverage of net charge-offs (x) | 466.4524% | 353 |
| Efficiency ratio | 50.8893% | 4,071 |
| Assets per employee ($millions) | 15.0162% | 205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0603% | 3,081 |
| Loan loss allowance to noncurrent loans | 115.6897% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 0.6681% | 741 |
| Noncurrent loans to loans | 0.9165% | 810 |
| Net loans and leases to total assets | 72.1200% | 1,402 |
| Net loans and leases to deposits | 84.2141% | 1,451 |
| Net loans and leases to core deposits | 87.1638% | 1,668 |
| Total domestic deposits to total assets | 85.6400% | 2,820 |
| Equity capital to assets | 7.1303% | 3,598 |
| Core capital (leverage) ratio | 10.1853% | 2,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4157% | 2,886 |
| Memoranda: |
| Average total assets | $2,076,844,000 | 529 |
| Average earning assets | $1,953,864,800 | 514 |
| Average equity | $146,200,400 | 694 |
| Average total loans | $1,341,766,400 | 526 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8911% | 1,506 |
| Cost of funding earning assets | 0.2316% | 2,910 |
| Net interest margin | 3.6595% | 1,245 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 1.9524% | 3,621 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 1.1072% | 2,059 |
| Return on assets (ROA) | 1.1072% | 2,028 |
| Pretax return on assets | 1.5301% | 1,325 |
| Return on Equity (ROE) | 15.7800% | 1,018 |
| Retained earnings to average equity (ytd only) | 15.7804% | 297 |
| Net charge-offs to loans | 0.0087% | 1,808 |
| Credit loss provision to net charge-offs | 2,996.4286% | 184 |
| Earnings coverage of net charge-offs (x) | 311.8095% | 458 |
| Efficiency ratio | 53.5611% | 3,857 |
| Assets per employee ($millions) | 14.7726% | 212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1121% | 2,959 |
| Loan loss allowance to noncurrent loans | 10,056.4935% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 3,923 |
| Noncurrent loans to loans | 0.0111% | 3,862 |
| Net loans and leases to total assets | 69.5700% | 1,517 |
| Net loans and leases to deposits | 75.7592% | 1,897 |
| Net loans and leases to core deposits | 78.5967% | 2,001 |
| Total domestic deposits to total assets | 91.8200% | 935 |
| Equity capital to assets | 7.1207% | 3,443 |
| Core capital (leverage) ratio | 9.9579% | 2,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9361% | 2,834 |
| Memoranda: |
| Average total assets | $2,062,981,250 | 530 |
| Average earning assets | $1,939,243,250 | 518 |
| Average equity | $144,741,000 | 705 |
| Average total loans | $1,288,652,500 | 540 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5241% | 2,059 |
| Cost of funding earning assets | 0.1318% | 3,817 |
| Net interest margin | 3.3923% | 1,629 |
| Noninterest income to average assets | 0.2032% | 3,982 |
| Noninterest expense to average assets | 1.9453% | 3,585 |
| Loan and lease loss provision to assets | 0.1523% | 623 |
| Net operating income to assets | 0.9431% | 2,387 |
| Return on assets (ROA) | 0.9431% | 2,364 |
| Pretax return on assets | 1.2955% | 1,769 |
| Return on Equity (ROE) | 13.5052% | 1,243 |
| Retained earnings to average equity (ytd only) | 13.5052% | 410 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3313% | 3,639 |
| Assets per employee ($millions) | 15.1994% | 192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0956% | 3,182 |
| Loan loss allowance to noncurrent loans | 9,211.3208% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 3,955 |
| Noncurrent loans to loans | 0.0119% | 3,890 |
| Net loans and leases to total assets | 65.8988% | 1,704 |
| Net loans and leases to deposits | 72.1520% | 2,012 |
| Net loans and leases to core deposits | 75.8268% | 2,031 |
| Total domestic deposits to total assets | 91.3333% | 1,091 |
| Equity capital to assets | 7.6135% | 3,396 |
| Core capital (leverage) ratio | 9.4207% | 2,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8498% | 2,849 |
| Memoranda: |
| Average total assets | $2,090,801,000 | 520 |
| Average earning assets | $1,966,066,333 | 516 |
| Average equity | $146,003,000 | 704 |
| Average total loans | $1,254,021,333 | 544 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2081% | 2,663 |
| Cost of funding earning assets | 0.1268% | 3,813 |
| Net interest margin | 3.0813% | 2,231 |
| Noninterest income to average assets | 0.2072% | 3,919 |
| Noninterest expense to average assets | 1.9445% | 3,565 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8615% | 2,445 |
| Return on assets (ROA) | 0.8615% | 2,437 |
| Pretax return on assets | 1.1752% | 1,897 |
| Return on Equity (ROE) | 12.8838% | 1,066 |
| Retained earnings to average equity (ytd only) | 7.2748% | 1,801 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3287% | 3,226 |
| Assets per employee ($millions) | 16.2037% | 165 |
| Cash dividends to net income (ytd only)* | 43.5350% | 1,419 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0861% | 3,388 |
| Loan loss allowance to noncurrent loans | 407.4282% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.1521% | 2,728 |
| Noncurrent loans to loans | 0.2666% | 2,521 |
| Net loans and leases to total assets | 56.4392% | 2,492 |
| Net loans and leases to deposits | 60.8766% | 2,821 |
| Net loans and leases to core deposits | 65.0971% | 2,712 |
| Total domestic deposits to total assets | 92.7108% | 342 |
| Equity capital to assets | 6.3650% | 4,480 |
| Core capital (leverage) ratio | 7.4653% | 4,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7472% | 3,063 |
| Memoranda: |
| Average total assets | $2,133,041,500 | 517 |
| Average earning assets | $2,016,160,000 | 507 |
| Average equity | $142,629,000 | 735 |
| Average total loans | $1,212,639,000 | 555 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3849% | 2,971 |
| Cost of funding earning assets | 0.1615% | 3,856 |
| Net interest margin | 3.2234% | 2,546 |
| Noninterest income to average assets | 0.2515% | 3,863 |
| Noninterest expense to average assets | 2.0776% | 3,445 |
| Loan and lease loss provision to assets | 0.2090% | 501 |
| Net operating income to assets | 0.7281% | 3,547 |
| Return on assets (ROA) | 0.7620% | 3,516 |
| Pretax return on assets | 1.0657% | 3,086 |
| Return on Equity (ROE) | 8.9088% | 2,951 |
| Retained earnings to average equity (ytd only) | 8.1565% | 1,474 |
| Net charge-offs to loans | 0.2884% | 303 |
| Credit loss provision to net charge-offs | 116.1248% | 1,671 |
| Earnings coverage of net charge-offs (x) | 6.8443% | 2,377 |
| Efficiency ratio | 62.7809% | 2,751 |
| Assets per employee ($millions) | 17.1397% | 148 |
| Cash dividends to net income (ytd only)* | 8.4453% | 3,409 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0671% | 3,490 |
| Loan loss allowance to noncurrent loans | 402.4044% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.1502% | 2,896 |
| Noncurrent loans to loans | 0.2652% | 2,654 |
| Net loans and leases to total assets | 56.0422% | 2,603 |
| Net loans and leases to deposits | 61.0169% | 2,989 |
| Net loans and leases to core deposits | 63.5637% | 3,025 |
| Total domestic deposits to total assets | 91.8470% | 222 |
| Equity capital to assets | 7.0004% | 4,720 |
| Core capital (leverage) ratio | 7.5893% | 4,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6514% | 3,071 |
| Memoranda: |
| Average total assets | $1,709,271,200 | 614 |
| Average earning assets | $1,621,465,600 | 593 |
| Average equity | $146,203,000 | 737 |
| Average total loans | $1,066,409,000 | 619 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4900% | 2,860 |
| Cost of funding earning assets | 0.1730% | 3,892 |
| Net interest margin | 3.3169% | 2,364 |
| Noninterest income to average assets | 0.1963% | 4,219 |
| Noninterest expense to average assets | 2.1711% | 3,163 |
| Loan and lease loss provision to assets | 0.0244% | 2,507 |
| Net operating income to assets | 0.8140% | 3,485 |
| Return on assets (ROA) | 0.8625% | 3,411 |
| Pretax return on assets | 1.2059% | 2,907 |
| Return on Equity (ROE) | 9.5004% | 2,928 |
| Retained earnings to average equity (ytd only) | 9.5004% | 1,485 |
| Net charge-offs to loans | 0.0097% | 1,955 |
| Credit loss provision to net charge-offs | 389.3333% | 870 |
| Earnings coverage of net charge-offs (x) | 186.6400% | 583 |
| Efficiency ratio | 65.0033% | 2,246 |
| Assets per employee ($millions) | 14.4830% | 226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1904% | 3,036 |
| Loan loss allowance to noncurrent loans | 388.8889% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.1800% | 2,914 |
| Noncurrent loans to loans | 0.3061% | 2,699 |
| Net loans and leases to total assets | 58.1065% | 2,477 |
| Net loans and leases to deposits | 64.1883% | 2,829 |
| Net loans and leases to core deposits | 68.2956% | 2,753 |
| Total domestic deposits to total assets | 90.5250% | 545 |
| Equity capital to assets | 8.1797% | 4,424 |
| Core capital (leverage) ratio | 8.6450% | 3,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9539% | 2,978 |
| Memoranda: |
| Average total assets | $1,596,687,750 | 657 |
| Average earning assets | $1,513,285,250 | 638 |
| Average equity | $144,958,500 | 754 |
| Average total loans | $1,027,175,250 | 653 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5930% | 2,642 |
| Cost of funding earning assets | 0.1788% | 3,958 |
| Net interest margin | 3.4142% | 2,094 |
| Noninterest income to average assets | 0.1843% | 4,278 |
| Noninterest expense to average assets | 2.3104% | 2,737 |
| Loan and lease loss provision to assets | 0.0099% | 2,733 |
| Net operating income to assets | 0.7858% | 3,552 |
| Return on assets (ROA) | 0.8621% | 3,402 |
| Pretax return on assets | 1.2071% | 2,884 |
| Return on Equity (ROE) | 9.1345% | 3,055 |
| Retained earnings to average equity (ytd only) | 9.1345% | 1,669 |
| Net charge-offs to loans | 0.0148% | 1,653 |
| Credit loss provision to net charge-offs | 100.0000% | 1,360 |
| Earnings coverage of net charge-offs (x) | 113.5733% | 693 |
| Efficiency ratio | 67.3440% | 1,961 |
| Assets per employee ($millions) | 13.1249% | 278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2375% | 2,740 |
| Loan loss allowance to noncurrent loans | 377.5707% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.2077% | 2,903 |
| Noncurrent loans to loans | 0.3278% | 2,741 |
| Net loans and leases to total assets | 62.5887% | 2,110 |
| Net loans and leases to deposits | 70.0083% | 2,406 |
| Net loans and leases to core deposits | 76.1276% | 2,227 |
| Total domestic deposits to total assets | 89.4019% | 1,079 |
| Equity capital to assets | 9.1489% | 3,658 |
| Core capital (leverage) ratio | 9.5738% | 2,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7464% | 2,790 |
| Memoranda: |
| Average total assets | $1,520,633,000 | 679 |
| Average earning assets | $1,445,911,333 | 660 |
| Average equity | $143,522,333 | 752 |
| Average total loans | $1,011,856,333 | 669 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6511% | 2,493 |
| Cost of funding earning assets | 0.1822% | 4,064 |
| Net interest margin | 3.4688% | 1,909 |
| Noninterest income to average assets | 0.1729% | 4,330 |
| Noninterest expense to average assets | 2.4357% | 2,378 |
| Loan and lease loss provision to assets | 0.0203% | 2,520 |
| Net operating income to assets | 0.7296% | 3,637 |
| Return on assets (ROA) | 0.7296% | 3,704 |
| Pretax return on assets | 1.0192% | 3,318 |
| Return on Equity (ROE) | 7.6037% | 3,446 |
| Retained earnings to average equity (ytd only) | 7.6037% | 2,382 |
| Net charge-offs to loans | 0.0297% | 1,191 |
| Credit loss provision to net charge-offs | 100.0000% | 1,107 |
| Earnings coverage of net charge-offs (x) | 51.2933% | 884 |
| Efficiency ratio | 70.0879% | 1,687 |
| Assets per employee ($millions) | 12.1652% | 335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2224% | 2,803 |
| Loan loss allowance to noncurrent loans | 373.0838% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.2196% | 3,048 |
| Noncurrent loans to loans | 0.3276% | 2,927 |
| Net loans and leases to total assets | 66.2033% | 1,772 |
| Net loans and leases to deposits | 74.1853% | 2,097 |
| Net loans and leases to core deposits | 81.2714% | 1,889 |
| Total domestic deposits to total assets | 89.2404% | 1,211 |
| Equity capital to assets | 9.2592% | 3,435 |
| Core capital (leverage) ratio | 9.8789% | 2,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6070% | 2,788 |
| Memoranda: |
| Average total assets | $1,480,332,500 | 688 |
| Average earning assets | $1,409,232,000 | 666 |
| Average equity | $142,036,000 | 748 |
| Average total loans | $1,010,409,500 | 672 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0492% | 2,586 |
| Cost of funding earning assets | 0.3759% | 3,733 |
| Net interest margin | 3.6733% | 1,896 |
| Noninterest income to average assets | 0.1803% | 4,386 |
| Noninterest expense to average assets | 2.5061% | 2,836 |
| Loan and lease loss provision to assets | 0.1287% | 2,752 |
| Net operating income to assets | 0.7827% | 3,162 |
| Return on assets (ROA) | 0.7827% | 3,284 |
| Pretax return on assets | 1.0368% | 2,926 |
| Return on Equity (ROE) | 7.9161% | 2,853 |
| Retained earnings to average equity (ytd only) | 7.9161% | 1,077 |
| Net charge-offs to loans | 0.0423% | 2,217 |
| Credit loss provision to net charge-offs | 414.1119% | 1,401 |
| Earnings coverage of net charge-offs (x) | 37.5036% | 1,437 |
| Efficiency ratio | 68.2565% | 2,201 |
| Assets per employee ($millions) | 11.3321% | 373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2640% | 2,595 |
| Loan loss allowance to noncurrent loans | 354.0457% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.2484% | 3,043 |
| Noncurrent loans to loans | 0.3570% | 2,918 |
| Net loans and leases to total assets | 68.6997% | 1,737 |
| Net loans and leases to deposits | 77.9551% | 2,072 |
| Net loans and leases to core deposits | 86.6043% | 1,819 |
| Total domestic deposits to total assets | 88.1273% | 1,414 |
| Equity capital to assets | 9.9552% | 3,170 |
| Core capital (leverage) ratio | 9.6587% | 2,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5814% | 2,779 |
| Memoranda: |
| Average total assets | $1,322,545,600 | 692 |
| Average earning assets | $1,257,024,800 | 670 |
| Average equity | $130,758,200 | 762 |
| Average total loans | $972,222,600 | 662 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1041% | 2,664 |
| Cost of funding earning assets | 0.4118% | 3,755 |
| Net interest margin | 3.6923% | 1,968 |
| Noninterest income to average assets | 0.1774% | 4,400 |
| Noninterest expense to average assets | 2.5253% | 2,762 |
| Loan and lease loss provision to assets | 0.1632% | 2,369 |
| Net operating income to assets | 0.7609% | 3,247 |
| Return on assets (ROA) | 0.7609% | 3,359 |
| Pretax return on assets | 0.9960% | 3,081 |
| Return on Equity (ROE) | 7.7103% | 2,919 |
| Retained earnings to average equity (ytd only) | 7.7103% | 1,414 |
| Net charge-offs to loans | 0.0567% | 1,799 |
| Credit loss provision to net charge-offs | 386.1314% | 1,503 |
| Earnings coverage of net charge-offs (x) | 27.4209% | 1,669 |
| Efficiency ratio | 68.5380% | 2,104 |
| Assets per employee ($millions) | 11.4366% | 356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2306% | 2,495 |
| Loan loss allowance to noncurrent loans | 3,759.2145% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0230% | 4,357 |
| Noncurrent loans to loans | 0.0327% | 4,259 |
| Net loans and leases to total assets | 69.3052% | 2,060 |
| Net loans and leases to deposits | 78.0013% | 2,535 |
| Net loans and leases to core deposits | 89.8642% | 1,989 |
| Total domestic deposits to total assets | 88.8514% | 837 |
| Equity capital to assets | 9.1970% | 3,954 |
| Core capital (leverage) ratio | 9.3140% | 3,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0200% | 2,917 |
| Memoranda: |
| Average total assets | $1,296,221,000 | 689 |
| Average earning assets | $1,231,215,750 | 668 |
| Average equity | $127,911,500 | 767 |
| Average total loans | $966,907,500 | 654 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2979% | 2,480 |
| Cost of funding earning assets | 0.4484% | 3,800 |
| Net interest margin | 3.8495% | 1,692 |
| Noninterest income to average assets | 0.1885% | 4,333 |
| Noninterest expense to average assets | 2.5946% | 2,683 |
| Loan and lease loss provision to assets | 0.2058% | 1,997 |
| Net operating income to assets | 0.7734% | 3,144 |
| Return on assets (ROA) | 0.7734% | 3,258 |
| Pretax return on assets | 1.0465% | 2,882 |
| Return on Equity (ROE) | 7.6377% | 2,886 |
| Retained earnings to average equity (ytd only) | 7.6377% | 1,420 |
| Net charge-offs to loans | 0.0065% | 2,732 |
| Credit loss provision to net charge-offs | 4,145.1613% | 271 |
| Earnings coverage of net charge-offs (x) | 252.0645% | 369 |
| Efficiency ratio | 67.4471% | 2,315 |
| Assets per employee ($millions) | 12.1622% | 310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2496% | 2,256 |
| Loan loss allowance to noncurrent loans | 1,159.3519% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.0766% | 4,140 |
| Noncurrent loans to loans | 0.1078% | 4,024 |
| Net loans and leases to total assets | 70.1374% | 2,008 |
| Net loans and leases to deposits | 78.4074% | 2,612 |
| Net loans and leases to core deposits | 92.8707% | 1,828 |
| Total domestic deposits to total assets | 89.4525% | 591 |
| Equity capital to assets | 9.1683% | 3,955 |
| Core capital (leverage) ratio | 9.7042% | 3,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9787% | 2,976 |
| Memoranda: |
| Average total assets | $1,247,958,667 | 699 |
| Average earning assets | $1,186,019,333 | 674 |
| Average equity | $126,372,333 | 767 |
| Average total loans | $952,164,333 | 653 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6251% | 1,926 |
| Cost of funding earning assets | 0.5028% | 3,931 |
| Net interest margin | 4.1223% | 1,091 |
| Noninterest income to average assets | 0.2201% | 4,232 |
| Noninterest expense to average assets | 2.8200% | 2,375 |
| Loan and lease loss provision to assets | 0.0936% | 2,510 |
| Net operating income to assets | 0.8720% | 2,610 |
| Return on assets (ROA) | 0.8720% | 2,716 |
| Pretax return on assets | 1.2111% | 2,153 |
| Return on Equity (ROE) | 8.1451% | 2,457 |
| Retained earnings to average equity (ytd only) | 8.1451% | 1,190 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3681% | 2,607 |
| Assets per employee ($millions) | 10.3786% | 341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1950% | 2,695 |
| Loan loss allowance to noncurrent loans | 295.7458% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.3241% | 3,150 |
| Noncurrent loans to loans | 0.4041% | 3,043 |
| Net loans and leases to total assets | 79.2530% | 784 |
| Net loans and leases to deposits | 94.7982% | 1,010 |
| Net loans and leases to core deposits | 114.9991% | 625 |
| Total domestic deposits to total assets | 83.6018% | 2,916 |
| Equity capital to assets | 10.5231% | 3,301 |
| Core capital (leverage) ratio | 11.3174% | 2,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0083% | 3,099 |
| Memoranda: |
| Average total assets | $1,166,531,000 | 718 |
| Average earning assets | $1,104,919,500 | 694 |
| Average equity | $124,885,000 | 769 |
| Average total loans | $927,232,000 | 645 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3220% | 787 |
| Cost of funding earning assets | 0.6112% | 3,594 |
| Net interest margin | 4.7108% | 459 |
| Noninterest income to average assets | 0.2528% | 4,165 |
| Noninterest expense to average assets | 2.7116% | 2,851 |
| Loan and lease loss provision to assets | 0.1375% | 1,553 |
| Net operating income to assets | 1.3249% | 1,597 |
| Return on assets (ROA) | 1.3249% | 1,677 |
| Pretax return on assets | 1.8414% | 855 |
| Return on Equity (ROE) | 12.1965% | 1,438 |
| Retained earnings to average equity (ytd only) | 12.1965% | 226 |
| Net charge-offs to loans | -0.0097% | 4,463 |
| Credit loss provision to net charge-offs | -1,718.0723% | 4,591 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8113% | 3,996 |
| Assets per employee ($millions) | 9.9047% | 369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2677% | 2,073 |
| Loan loss allowance to noncurrent loans | 295.1795% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.3380% | 3,061 |
| Noncurrent loans to loans | 0.4295% | 2,909 |
| Net loans and leases to total assets | 77.7152% | 1,123 |
| Net loans and leases to deposits | 89.0278% | 1,695 |
| Net loans and leases to core deposits | 108.1568% | 966 |
| Total domestic deposits to total assets | 87.2932% | 1,456 |
| Equity capital to assets | 10.9003% | 3,093 |
| Core capital (leverage) ratio | 11.1355% | 2,387 |
| Tier 1 risk-based capital ratio | 11.3595% | 4,703 |
| Total risk-based capital ratio | 12.4345% | 4,677 |
| Memoranda: |
| Average total assets | $1,037,442,400 | 756 |
| Average earning assets | $977,263,400 | 738 |
| Average equity | $112,696,400 | 805 |
| Average total loans | $859,007,000 | 669 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4023% | 689 |
| Cost of funding earning assets | 0.6166% | 3,605 |
| Net interest margin | 4.7858% | 427 |
| Noninterest income to average assets | 0.2762% | 4,100 |
| Noninterest expense to average assets | 2.7101% | 2,839 |
| Loan and lease loss provision to assets | 0.1689% | 1,097 |
| Net operating income to assets | 1.3480% | 1,651 |
| Return on assets (ROA) | 1.3480% | 1,725 |
| Pretax return on assets | 1.8988% | 869 |
| Return on Equity (ROE) | 12.4211% | 1,475 |
| Retained earnings to average equity (ytd only) | 12.4211% | 337 |
| Net charge-offs to loans | -0.0069% | 4,286 |
| Credit loss provision to net charge-offs | -2,920.4545% | 4,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7228% | 4,094 |
| Assets per employee ($millions) | 10.3960% | 314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2193% | 2,411 |
| Loan loss allowance to noncurrent loans | 289.4778% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.3443% | 3,140 |
| Noncurrent loans to loans | 0.4212% | 3,040 |
| Net loans and leases to total assets | 80.7486% | 740 |
| Net loans and leases to deposits | 100.4176% | 599 |
| Net loans and leases to core deposits | 121.5684% | 484 |
| Total domestic deposits to total assets | 80.4128% | 3,888 |
| Equity capital to assets | 10.4601% | 3,574 |
| Core capital (leverage) ratio | 11.2216% | 2,449 |
| Tier 1 risk-based capital ratio | 10.5068% | 5,073 |
| Total risk-based capital ratio | 11.5412% | 5,055 |
| Memoranda: |
| Average total assets | $1,014,518,000 | 775 |
| Average earning assets | $954,252,500 | 756 |
| Average equity | $110,100,500 | 821 |
| Average total loans | $851,563,750 | 681 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5288% | 539 |
| Cost of funding earning assets | 0.5816% | 3,745 |
| Net interest margin | 4.9472% | 322 |
| Noninterest income to average assets | 0.2915% | 3,992 |
| Noninterest expense to average assets | 2.7832% | 2,650 |
| Loan and lease loss provision to assets | 0.2538% | 601 |
| Net operating income to assets | 1.3531% | 1,562 |
| Return on assets (ROA) | 1.3531% | 1,629 |
| Pretax return on assets | 1.9151% | 808 |
| Return on Equity (ROE) | 12.3001% | 1,475 |
| Retained earnings to average equity (ytd only) | 12.3001% | 375 |
| Net charge-offs to loans | -0.0363% | 4,735 |
| Credit loss provision to net charge-offs | -825.1656% | 4,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2027% | 4,225 |
| Assets per employee ($millions) | 9.7067% | 366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3004% | 2,013 |
| Loan loss allowance to noncurrent loans | 680.1829% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.1609% | 3,959 |
| Noncurrent loans to loans | 0.1912% | 3,869 |
| Net loans and leases to total assets | 83.0725% | 462 |
| Net loans and leases to deposits | 101.2133% | 595 |
| Net loans and leases to core deposits | 119.4006% | 567 |
| Total domestic deposits to total assets | 82.0767% | 3,485 |
| Equity capital to assets | 10.9972% | 3,057 |
| Core capital (leverage) ratio | 11.0482% | 2,551 |
| Tier 1 risk-based capital ratio | 10.6281% | 5,062 |
| Total risk-based capital ratio | 11.7175% | 5,036 |
| Memoranda: |
| Average total assets | $981,900,000 | 794 |
| Average earning assets | $925,011,330 | 776 |
| Average equity | $108,015,670 | 832 |
| Average total loans | $832,314,330 | 696 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5010% | 524 |
| Cost of funding earning assets | 0.5450% | 3,847 |
| Net interest margin | 4.9560% | 308 |
| Noninterest income to average assets | 0.3463% | 3,545 |
| Noninterest expense to average assets | 2.9189% | 2,224 |
| Loan and lease loss provision to assets | 0.1906% | 854 |
| Net operating income to assets | 1.3724% | 1,448 |
| Return on assets (ROA) | 1.3724% | 1,485 |
| Pretax return on assets | 1.9081% | 783 |
| Return on Equity (ROE) | 12.4739% | 1,391 |
| Retained earnings to average equity (ytd only) | 12.4739% | 544 |
| Net charge-offs to loans | -0.0737% | 4,949 |
| Credit loss provision to net charge-offs | -303.9735% | 3,728 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1726% | 4,056 |
| Assets per employee ($millions) | 10.4291% | 304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2465% | 2,342 |
| Loan loss allowance to noncurrent loans | 625.3317% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.1639% | 3,995 |
| Noncurrent loans to loans | 0.1993% | 3,878 |
| Net loans and leases to total assets | 81.1964% | 685 |
| Net loans and leases to deposits | 96.2678% | 937 |
| Net loans and leases to core deposits | 111.9953% | 830 |
| Total domestic deposits to total assets | 84.3443% | 2,928 |
| Equity capital to assets | 10.6899% | 3,174 |
| Core capital (leverage) ratio | 11.2639% | 2,327 |
| Tier 1 risk-based capital ratio | 10.5948% | 5,152 |
| Total risk-based capital ratio | 11.6381% | 5,121 |
| Memoranda: |
| Average total assets | $963,249,000 | 811 |
| Average earning assets | $907,912,500 | 795 |
| Average equity | $105,981,500 | 842 |
| Average total loans | $819,555,500 | 702 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2469% | 640 |
| Cost of funding earning assets | 0.4797% | 3,484 |
| Net interest margin | 4.7672% | 424 |
| Noninterest income to average assets | 0.3050% | 4,071 |
| Noninterest expense to average assets | 2.7207% | 2,959 |
| Loan and lease loss provision to assets | 0.1877% | 1,027 |
| Net operating income to assets | 1.3670% | 1,544 |
| Return on assets (ROA) | 1.3685% | 1,527 |
| Pretax return on assets | 1.9046% | 713 |
| Return on Equity (ROE) | 12.7567% | 1,440 |
| Retained earnings to average equity (ytd only) | 12.7567% | 253 |
| Net charge-offs to loans | 0.0212% | 3,000 |
| Credit loss provision to net charge-offs | 1,067.5497% | 365 |
| Earnings coverage of net charge-offs (x) | 118.8675% | 658 |
| Efficiency ratio | 56.5505% | 4,337 |
| Assets per employee ($millions) | 9.9469% | 345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2087% | 2,524 |
| Loan loss allowance to noncurrent loans | 577.7383% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.1846% | 3,885 |
| Noncurrent loans to loans | 0.2092% | 3,829 |
| Net loans and leases to total assets | 87.1567% | 159 |
| Net loans and leases to deposits | 99.2931% | 795 |
| Net loans and leases to core deposits | 116.1574% | 679 |
| Total domestic deposits to total assets | 87.7772% | 1,402 |
| Equity capital to assets | 11.3713% | 2,350 |
| Core capital (leverage) ratio | 11.1958% | 2,358 |
| Tier 1 risk-based capital ratio | 10.7380% | 5,101 |
| Total risk-based capital ratio | 11.7700% | 5,070 |
| Memoranda: |
| Average total assets | $858,646,600 | 884 |
| Average earning assets | $811,604,600 | 867 |
| Average equity | $92,116,600 | 916 |
| Average total loans | $713,148,600 | 775 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0889% | 777 |
| Cost of funding earning assets | 0.4575% | 3,476 |
| Net interest margin | 4.6315% | 550 |
| Noninterest income to average assets | 0.2734% | 4,324 |
| Noninterest expense to average assets | 2.7668% | 2,753 |
| Loan and lease loss provision to assets | 0.1050% | 1,916 |
| Net operating income to assets | 1.2801% | 1,926 |
| Return on assets (ROA) | 1.2823% | 1,920 |
| Pretax return on assets | 1.7856% | 1,044 |
| Return on Equity (ROE) | 12.1496% | 1,735 |
| Retained earnings to average equity (ytd only) | 12.1496% | 461 |
| Net charge-offs to loans | 0.0292% | 2,511 |
| Credit loss provision to net charge-offs | 440.3974% | 774 |
| Earnings coverage of net charge-offs (x) | 79.1914% | 883 |
| Efficiency ratio | 59.4410% | 3,897 |
| Assets per employee ($millions) | 10.1446% | 311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1638% | 2,826 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2244% | 3,817 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 80.1781% | 991 |
| Net loans and leases to deposits | 93.4028% | 1,450 |
| Net loans and leases to core deposits | 108.5055% | 1,132 |
| Total domestic deposits to total assets | 85.8412% | 2,263 |
| Equity capital to assets | 10.2011% | 3,453 |
| Core capital (leverage) ratio | 10.9413% | 2,634 |
| Tier 1 risk-based capital ratio | 10.2652% | 5,306 |
| Total risk-based capital ratio | 11.2362% | 5,336 |
| Memoranda: |
| Average total assets | $844,530,500 | 898 |
| Average earning assets | $798,887,750 | 878 |
| Average equity | $89,130,750 | 938 |
| Average total loans | $689,601,000 | 799 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0942% | 670 |
| Cost of funding earning assets | 0.4330% | 3,473 |
| Net interest margin | 4.6612% | 486 |
| Noninterest income to average assets | 0.3016% | 4,163 |
| Noninterest expense to average assets | 2.9229% | 2,280 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2461% | 1,997 |
| Return on assets (ROA) | 1.2494% | 1,983 |
| Pretax return on assets | 1.7874% | 992 |
| Return on Equity (ROE) | 11.6893% | 1,844 |
| Retained earnings to average equity (ytd only) | 11.6893% | 563 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1089% | 3,609 |
| Assets per employee ($millions) | 9.3653% | 394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2007% | 2,708 |
| Loan loss allowance to noncurrent loans | 369.5768% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.2664% | 3,699 |
| Noncurrent loans to loans | 0.3249% | 3,539 |
| Net loans and leases to total assets | 80.9983% | 858 |
| Net loans and leases to deposits | 98.9476% | 886 |
| Net loans and leases to core deposits | 115.8887% | 717 |
| Total domestic deposits to total assets | 81.8598% | 3,767 |
| Equity capital to assets | 10.9326% | 2,699 |
| Core capital (leverage) ratio | 11.4238% | 2,138 |
| Tier 1 risk-based capital ratio | 10.6872% | 5,197 |
| Total risk-based capital ratio | 11.6751% | 5,207 |
| Memoranda: |
| Average total assets | $814,940,000 | 941 |
| Average earning assets | $770,058,670 | 913 |
| Average equity | $87,105,330 | 960 |
| Average total loans | $667,096,330 | 827 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0325% | 654 |
| Cost of funding earning assets | 0.3746% | 3,781 |
| Net interest margin | 4.6579% | 437 |
| Noninterest income to average assets | 0.3451% | 3,839 |
| Noninterest expense to average assets | 3.1082% | 1,802 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1261% | 2,304 |
| Return on assets (ROA) | 1.1261% | 2,325 |
| Pretax return on assets | 1.6275% | 1,307 |
| Return on Equity (ROE) | 10.6640% | 2,099 |
| Retained earnings to average equity (ytd only) | 10.6640% | 973 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6332% | 3,229 |
| Assets per employee ($millions) | 9.3257% | 401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2533% | 2,498 |
| Loan loss allowance to noncurrent loans | 367.7748% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.2749% | 3,770 |
| Noncurrent loans to loans | 0.3408% | 3,539 |
| Net loans and leases to total assets | 79.6563% | 985 |
| Net loans and leases to deposits | 95.8655% | 1,049 |
| Net loans and leases to core deposits | 109.9582% | 1,011 |
| Total domestic deposits to total assets | 83.0917% | 3,638 |
| Equity capital to assets | 10.4222% | 3,150 |
| Core capital (leverage) ratio | 10.8169% | 2,616 |
| Tier 1 risk-based capital ratio | 10.2418% | 5,431 |
| Total risk-based capital ratio | 11.2621% | 5,440 |
| Memoranda: |
| Average total assets | $800,973,000 | 963 |
| Average earning assets | $755,015,000 | 936 |
| Average equity | $84,584,000 | 986 |
| Average total loans | $655,139,000 | 840 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8832% | 826 |
| Cost of funding earning assets | 0.2903% | 4,221 |
| Net interest margin | 4.5929% | 510 |
| Noninterest income to average assets | 0.2347% | 4,728 |
| Noninterest expense to average assets | 2.6904% | 3,157 |
| Loan and lease loss provision to assets | 0.2742% | 653 |
| Net operating income to assets | 0.8494% | 2,956 |
| Return on assets (ROA) | 0.8494% | 2,979 |
| Pretax return on assets | 1.6035% | 1,282 |
| Return on Equity (ROE) | 8.2789% | 2,658 |
| Retained earnings to average equity (ytd only) | 8.2789% | 669 |
| Net charge-offs to loans | -0.0118% | 4,830 |
| Credit loss provision to net charge-offs | -2,919.1176% | 5,199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8950% | 4,429 |
| Assets per employee ($millions) | 9.3010% | 403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2799% | 2,321 |
| Loan loss allowance to noncurrent loans | 161.0755% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 0.6593% | 2,344 |
| Noncurrent loans to loans | 0.7946% | 2,228 |
| Net loans and leases to total assets | 81.9133% | 693 |
| Net loans and leases to deposits | 96.6626% | 1,023 |
| Net loans and leases to core deposits | 110.2546% | 985 |
| Total domestic deposits to total assets | 84.7414% | 2,933 |
| Equity capital to assets | 10.7051% | 2,940 |
| Core capital (leverage) ratio | 10.7574% | 2,582 |
| Tier 1 risk-based capital ratio | 10.0655% | 5,519 |
| Total risk-based capital ratio | 11.0999% | 5,524 |
| Memoranda: |
| Average total assets | $723,907,800 | 1,012 |
| Average earning assets | $683,011,000 | 987 |
| Average equity | $74,273,200 | 1,078 |
| Average total loans | $576,575,400 | 893 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8682% | 809 |
| Cost of funding earning assets | 0.2900% | 4,232 |
| Net interest margin | 4.5782% | 512 |
| Noninterest income to average assets | 0.2345% | 4,808 |
| Noninterest expense to average assets | 2.6821% | 3,119 |
| Loan and lease loss provision to assets | 0.3533% | 418 |
| Net operating income to assets | 0.9420% | 2,820 |
| Return on assets (ROA) | 0.9420% | 2,884 |
| Pretax return on assets | 1.5188% | 1,710 |
| Return on Equity (ROE) | 9.2918% | 2,450 |
| Retained earnings to average equity (ytd only) | 9.2918% | 765 |
| Net charge-offs to loans | -0.0162% | 4,774 |
| Credit loss provision to net charge-offs | -2,764.7059% | 5,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8934% | 4,376 |
| Assets per employee ($millions) | 9.0735% | 425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4160% | 1,833 |
| Loan loss allowance to noncurrent loans | 147.7900% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 0.7273% | 2,328 |
| Noncurrent loans to loans | 0.9581% | 2,010 |
| Net loans and leases to total assets | 74.8292% | 1,785 |
| Net loans and leases to deposits | 83.8396% | 2,574 |
| Net loans and leases to core deposits | 96.2186% | 2,047 |
| Total domestic deposits to total assets | 89.2529% | 762 |
| Equity capital to assets | 10.2130% | 3,681 |
| Core capital (leverage) ratio | 10.5358% | 2,949 |
| Tier 1 risk-based capital ratio | 10.3011% | 5,512 |
| Total risk-based capital ratio | 11.4264% | 5,510 |
| Memoranda: |
| Average total assets | $709,563,500 | 1,035 |
| Average earning assets | $669,501,250 | 1,021 |
| Average equity | $71,932,250 | 1,113 |
| Average total loans | $558,651,000 | 924 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8835% | 726 |
| Cost of funding earning assets | 0.2804% | 4,285 |
| Net interest margin | 4.6032% | 476 |
| Noninterest income to average assets | 0.2306% | 4,857 |
| Noninterest expense to average assets | 2.6213% | 3,364 |
| Loan and lease loss provision to assets | 0.5219% | 218 |
| Net operating income to assets | 0.9289% | 2,767 |
| Return on assets (ROA) | 0.9289% | 2,822 |
| Pretax return on assets | 1.4242% | 1,919 |
| Return on Equity (ROE) | 9.1878% | 2,418 |
| Retained earnings to average equity (ytd only) | 9.1878% | 785 |
| Net charge-offs to loans | -0.0094% | 4,509 |
| Credit loss provision to net charge-offs | -6,946.1538% | 5,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3905% | 4,665 |
| Assets per employee ($millions) | 9.4744% | 351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3821% | 2,027 |
| Loan loss allowance to noncurrent loans | 155.0096% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.7142% | 2,422 |
| Noncurrent loans to loans | 0.8916% | 2,193 |
| Net loans and leases to total assets | 78.9912% | 1,092 |
| Net loans and leases to deposits | 92.2810% | 1,457 |
| Net loans and leases to core deposits | 107.1634% | 1,148 |
| Total domestic deposits to total assets | 85.5986% | 2,573 |
| Equity capital to assets | 9.8189% | 4,110 |
| Core capital (leverage) ratio | 9.9522% | 3,595 |
| Tier 1 risk-based capital ratio | 9.5923% | 5,700 |
| Total risk-based capital ratio | 10.7123% | 5,699 |
| Memoranda: |
| Average total assets | $692,025,330 | 1,061 |
| Average earning assets | $651,987,330 | 1,040 |
| Average equity | $69,962,670 | 1,143 |
| Average total loans | $552,026,670 | 935 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7935% | 759 |
| Cost of funding earning assets | 0.2538% | 4,506 |
| Net interest margin | 4.5398% | 489 |
| Noninterest income to average assets | 0.2371% | 4,843 |
| Noninterest expense to average assets | 2.5969% | 3,518 |
| Loan and lease loss provision to assets | 0.4284% | 253 |
| Net operating income to assets | 0.9648% | 2,458 |
| Return on assets (ROA) | 0.9648% | 2,513 |
| Pretax return on assets | 1.4740% | 1,628 |
| Return on Equity (ROE) | 9.3971% | 2,229 |
| Retained earnings to average equity (ytd only) | 9.3971% | 949 |
| Net charge-offs to loans | -0.0194% | 4,732 |
| Credit loss provision to net charge-offs | -2,773.0769% | 4,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7182% | 4,749 |
| Assets per employee ($millions) | 10.0278% | 301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2552% | 2,788 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 78.3505% | 1,079 |
| Net loans and leases to deposits | 91.9124% | 1,340 |
| Net loans and leases to core deposits | 105.9629% | 1,101 |
| Total domestic deposits to total assets | 85.2447% | 2,987 |
| Equity capital to assets | 9.9766% | 3,784 |
| Core capital (leverage) ratio | 10.2575% | 3,179 |
| Tier 1 risk-based capital ratio | 9.9588% | 5,706 |
| Total risk-based capital ratio | 10.9921% | 5,732 |
| Memoranda: |
| Average total assets | $673,272,000 | 1,091 |
| Average earning assets | $632,100,000 | 1,070 |
| Average equity | $69,128,000 | 1,149 |
| Average total loans | $535,869,000 | 958 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4543% | 1,673 |
| Cost of funding earning assets | 0.1945% | 5,070 |
| Net interest margin | 4.2598% | 998 |
| Noninterest income to average assets | 0.4923% | 3,288 |
| Noninterest expense to average assets | 2.4651% | 4,116 |
| Loan and lease loss provision to assets | 0.1279% | 1,943 |
| Net operating income to assets | 1.2798% | 1,267 |
| Return on assets (ROA) | 1.2794% | 1,336 |
| Pretax return on assets | 1.8476% | 695 |
| Return on Equity (ROE) | 13.0233% | 991 |
| Retained earnings to average equity (ytd only) | 13.0233% | 165 |
| Net charge-offs to loans | -0.0084% | 4,900 |
| Credit loss provision to net charge-offs | -2,197.2973% | 5,391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5056% | 5,106 |
| Assets per employee ($millions) | 9.4794% | 361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2130% | 3,045 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 78.8903% | 1,062 |
| Net loans and leases to deposits | 88.7430% | 1,838 |
| Net loans and leases to core deposits | 102.5763% | 1,406 |
| Total domestic deposits to total assets | 88.8974% | 1,162 |
| Equity capital to assets | 10.5843% | 3,058 |
| Core capital (leverage) ratio | 10.7138% | 2,638 |
| Tier 1 risk-based capital ratio | 10.4048% | 5,613 |
| Total risk-based capital ratio | 11.3998% | 5,649 |
| Memoranda: |
| Average total assets | $635,760,400 | 1,109 |
| Average earning assets | $589,345,800 | 1,103 |
| Average equity | $62,457,400 | 1,253 |
| Average total loans | $441,388,600 | 1,107 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3970% | 1,868 |
| Cost of funding earning assets | 0.1921% | 5,152 |
| Net interest margin | 4.2049% | 1,109 |
| Noninterest income to average assets | 0.5480% | 2,926 |
| Noninterest expense to average assets | 2.3558% | 4,397 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.4295% | 1,004 |
| Return on assets (ROA) | 1.4289% | 1,056 |
| Pretax return on assets | 2.0752% | 487 |
| Return on Equity (ROE) | 14.8375% | 688 |
| Retained earnings to average equity (ytd only) | 14.8375% | 137 |
| Net charge-offs to loans | -0.0117% | 4,823 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1554% | 5,295 |
| Assets per employee ($millions) | 9.9891% | 298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2127% | 3,160 |
| Loan loss allowance to noncurrent loans | 1,385.4592% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.0577% | 5,218 |
| Noncurrent loans to loans | 0.0875% | 4,993 |
| Net loans and leases to total assets | 65.1328% | 3,254 |
| Net loans and leases to deposits | 72.7172% | 3,730 |
| Net loans and leases to core deposits | 78.7822% | 3,577 |
| Total domestic deposits to total assets | 89.5700% | 640 |
| Equity capital to assets | 9.5086% | 4,653 |
| Core capital (leverage) ratio | 9.6744% | 3,970 |
| Tier 1 risk-based capital ratio | 10.3910% | 5,662 |
| Total risk-based capital ratio | 11.3310% | 5,719 |
| Memoranda: |
| Average total assets | $633,551,000 | 1,119 |
| Average earning assets | $585,169,250 | 1,110 |
| Average equity | $61,015,250 | 1,282 |
| Average total loans | $423,043,500 | 1,152 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5133% | 1,477 |
| Cost of funding earning assets | 0.1978% | 5,171 |
| Net interest margin | 4.3155% | 893 |
| Noninterest income to average assets | 0.7300% | 2,004 |
| Noninterest expense to average assets | 2.4809% | 4,082 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5963% | 731 |
| Return on assets (ROA) | 1.5963% | 775 |
| Pretax return on assets | 2.2157% | 371 |
| Return on Equity (ROE) | 16.4983% | 483 |
| Retained earnings to average equity (ytd only) | 16.4983% | 105 |
| Net charge-offs to loans | -0.0178% | 4,901 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8237% | 5,396 |
| Assets per employee ($millions) | 9.5517% | 327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2968% | 2,806 |
| Loan loss allowance to noncurrent loans | 1,385.4592% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.0613% | 5,309 |
| Noncurrent loans to loans | 0.0936% | 5,076 |
| Net loans and leases to total assets | 64.5939% | 3,281 |
| Net loans and leases to deposits | 71.8916% | 3,794 |
| Net loans and leases to core deposits | 79.7907% | 3,478 |
| Total domestic deposits to total assets | 89.8491% | 543 |
| Equity capital to assets | 9.7960% | 4,455 |
| Core capital (leverage) ratio | 10.1236% | 3,419 |
| Tier 1 risk-based capital ratio | 10.6853% | 5,589 |
| Total risk-based capital ratio | 11.6825% | 5,618 |
| Memoranda: |
| Average total assets | $618,314,670 | 1,141 |
| Average earning assets | $568,318,670 | 1,148 |
| Average equity | $59,824,330 | 1,301 |
| Average total loans | $414,774,000 | 1,174 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3443% | 1,982 |
| Cost of funding earning assets | 0.2022% | 5,183 |
| Net interest margin | 4.1421% | 1,230 |
| Noninterest income to average assets | 0.2258% | 5,128 |
| Noninterest expense to average assets | 2.5706% | 3,845 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9225% | 2,633 |
| Return on assets (ROA) | 0.9225% | 2,745 |
| Pretax return on assets | 1.4598% | 1,719 |
| Return on Equity (ROE) | 9.5974% | 2,158 |
| Retained earnings to average equity (ytd only) | 9.5974% | 954 |
| Net charge-offs to loans | -0.0116% | 4,592 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7804% | 4,159 |
| Assets per employee ($millions) | 9.4168% | 341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2785% | 3,012 |
| Loan loss allowance to noncurrent loans | 284.8261% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.3101% | 4,331 |
| Noncurrent loans to loans | 0.4489% | 3,834 |
| Net loans and leases to total assets | 68.2001% | 2,622 |
| Net loans and leases to deposits | 75.7930% | 3,242 |
| Net loans and leases to core deposits | 88.5762% | 2,506 |
| Total domestic deposits to total assets | 89.9821% | 605 |
| Equity capital to assets | 9.6962% | 4,452 |
| Core capital (leverage) ratio | 9.6072% | 4,028 |
| Tier 1 risk-based capital ratio | 10.2408% | 5,851 |
| Total risk-based capital ratio | 11.2441% | 5,869 |
| Memoranda: |
| Average total assets | $607,490,000 | 1,162 |
| Average earning assets | $557,975,000 | 1,165 |
| Average equity | $58,391,000 | 1,325 |
| Average total loans | $412,756,500 | 1,175 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6762% | 1,160 |
| Cost of funding earning assets | 0.2009% | 5,281 |
| Net interest margin | 4.4753% | 686 |
| Noninterest income to average assets | 0.3009% | 4,727 |
| Noninterest expense to average assets | 2.7336% | 3,471 |
| Loan and lease loss provision to assets | 0.5577% | 202 |
| Net operating income to assets | 0.6987% | 3,813 |
| Return on assets (ROA) | 0.6950% | 3,945 |
| Pretax return on assets | 1.0969% | 3,081 |
| Return on Equity (ROE) | 7.1365% | 3,438 |
| Retained earnings to average equity (ytd only) | 7.1365% | 1,219 |
| Net charge-offs to loans | 0.6455% | 369 |
| Credit loss provision to net charge-offs | 120.5778% | 2,137 |
| Earnings coverage of net charge-offs (x) | 3.5900% | 3,704 |
| Efficiency ratio | 62.2110% | 4,570 |
| Assets per employee ($millions) | 9.5696% | 310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3396% | 2,711 |
| Loan loss allowance to noncurrent loans | 284.0442% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.3150% | 4,334 |
| Noncurrent loans to loans | 0.4716% | 3,780 |
| Net loans and leases to total assets | 65.8937% | 2,994 |
| Net loans and leases to deposits | 73.3226% | 3,572 |
| Net loans and leases to core deposits | 82.6531% | 3,079 |
| Total domestic deposits to total assets | 89.8682% | 686 |
| Equity capital to assets | 9.5262% | 4,524 |
| Core capital (leverage) ratio | 9.7433% | 3,843 |
| Tier 1 risk-based capital ratio | 10.5659% | 5,746 |
| Total risk-based capital ratio | 11.6254% | 5,752 |
| Memoranda: |
| Average total assets | $546,347,400 | 1,246 |
| Average earning assets | $499,698,600 | 1,251 |
| Average equity | $53,205,000 | 1,404 |
| Average total loans | $391,461,400 | 1,179 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7082% | 1,084 |
| Cost of funding earning assets | 0.1963% | 5,408 |
| Net interest margin | 4.5119% | 635 |
| Noninterest income to average assets | 0.3184% | 4,661 |
| Noninterest expense to average assets | 2.8251% | 3,086 |
| Loan and lease loss provision to assets | 0.7633% | 95 |
| Net operating income to assets | 0.5156% | 4,733 |
| Return on assets (ROA) | 0.5103% | 4,841 |
| Pretax return on assets | 0.8385% | 4,212 |
| Return on Equity (ROE) | 5.2081% | 4,529 |
| Retained earnings to average equity (ytd only) | 5.2081% | 2,773 |
| Net charge-offs to loans | 0.8669% | 223 |
| Credit loss provision to net charge-offs | 120.5778% | 1,975 |
| Earnings coverage of net charge-offs (x) | 2.5433% | 3,653 |
| Efficiency ratio | 63.6975% | 4,299 |
| Assets per employee ($millions) | 9.1549% | 353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2685% | 3,264 |
| Loan loss allowance to noncurrent loans | 223.9103% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.4177% | 4,105 |
| Noncurrent loans to loans | 0.5665% | 3,640 |
| Net loans and leases to total assets | 72.7916% | 1,939 |
| Net loans and leases to deposits | 85.3860% | 2,222 |
| Net loans and leases to core deposits | 95.5332% | 1,929 |
| Total domestic deposits to total assets | 85.2501% | 2,909 |
| Equity capital to assets | 9.3417% | 4,951 |
| Core capital (leverage) ratio | 9.5176% | 4,280 |
| Tier 1 risk-based capital ratio | 9.5734% | 6,130 |
| Total risk-based capital ratio | 10.6025% | 6,146 |
| Memoranda: |
| Average total assets | $532,212,750 | 1,278 |
| Average earning assets | $485,604,500 | 1,291 |
| Average equity | $52,148,250 | 1,436 |
| Average total loans | $388,662,250 | 1,184 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7045% | 1,058 |
| Cost of funding earning assets | 0.1896% | 5,531 |
| Net interest margin | 4.5149% | 622 |
| Noninterest income to average assets | 0.3367% | 4,547 |
| Noninterest expense to average assets | 2.9036% | 2,879 |
| Loan and lease loss provision to assets | 1.0774% | 63 |
| Net operating income to assets | 0.2969% | 5,445 |
| Return on assets (ROA) | 0.2969% | 5,548 |
| Pretax return on assets | 0.4708% | 5,301 |
| Return on Equity (ROE) | 2.9784% | 5,407 |
| Retained earnings to average equity (ytd only) | 2.9784% | 4,142 |
| Net charge-offs to loans | 1.3488% | 136 |
| Credit loss provision to net charge-offs | 109.7676% | 1,925 |
| Earnings coverage of net charge-offs (x) | 1.5774% | 3,487 |
| Efficiency ratio | 65.2223% | 4,144 |
| Assets per employee ($millions) | 9.1181% | 355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2677% | 3,411 |
| Loan loss allowance to noncurrent loans | 130.3308% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 0.7066% | 3,279 |
| Noncurrent loans to loans | 0.9727% | 2,702 |
| Net loans and leases to total assets | 71.7212% | 2,040 |
| Net loans and leases to deposits | 86.1346% | 2,035 |
| Net loans and leases to core deposits | 97.0535% | 1,715 |
| Total domestic deposits to total assets | 83.2665% | 3,847 |
| Equity capital to assets | 9.3998% | 4,778 |
| Core capital (leverage) ratio | 9.5792% | 4,166 |
| Tier 1 risk-based capital ratio | 9.8267% | 6,135 |
| Total risk-based capital ratio | 10.8596% | 6,154 |
| Memoranda: |
| Average total assets | $517,365,000 | 1,318 |
| Average earning assets | $471,548,670 | 1,324 |
| Average equity | $51,571,330 | 1,456 |
| Average total loans | $376,475,000 | 1,227 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6349% | 1,153 |
| Cost of funding earning assets | 0.1661% | 5,805 |
| Net interest margin | 4.4688% | 640 |
| Noninterest income to average assets | 0.2667% | 5,045 |
| Noninterest expense to average assets | 3.0212% | 2,510 |
| Loan and lease loss provision to assets | 0.8282% | 106 |
| Net operating income to assets | 0.3004% | 5,415 |
| Return on assets (ROA) | 0.3004% | 5,516 |
| Pretax return on assets | 0.4796% | 5,230 |
| Return on Equity (ROE) | 2.9210% | 5,414 |
| Retained earnings to average equity (ytd only) | 2.9210% | 4,221 |
| Net charge-offs to loans | -0.0077% | 4,623 |
| Credit loss provision to net charge-offs | -14,728.5714% | 5,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7903% | 3,527 |
| Assets per employee ($millions) | 8.3647% | 467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5419% | 2,269 |
| Loan loss allowance to noncurrent loans | 79.0586% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 1.4190% | 1,868 |
| Noncurrent loans to loans | 1.9503% | 1,363 |
| Net loans and leases to total assets | 71.6374% | 1,871 |
| Net loans and leases to deposits | 96.9984% | 765 |
| Net loans and leases to core deposits | 103.8473% | 1,073 |
| Total domestic deposits to total assets | 73.8543% | 5,914 |
| Equity capital to assets | 9.9166% | 4,237 |
| Core capital (leverage) ratio | 10.3530% | 3,159 |
| Tier 1 risk-based capital ratio | 10.0908% | 6,146 |
| Total risk-based capital ratio | 11.3154% | 6,108 |
| Memoranda: |
| Average total assets | $497,946,500 | 1,365 |
| Average earning assets | $452,648,500 | 1,387 |
| Average equity | $51,216,000 | 1,472 |
| Average total loans | $362,694,000 | 1,264 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9018% | 4,118 |
| Cost of funding earning assets | 0.1813% | 5,902 |
| Net interest margin | 3.7205% | 2,923 |
| Noninterest income to average assets | 0.2712% | 5,182 |
| Noninterest expense to average assets | 2.7735% | 3,585 |
| Loan and lease loss provision to assets | 0.0081% | 4,463 |
| Net operating income to assets | 0.5348% | 4,664 |
| Return on assets (ROA) | 0.5694% | 4,593 |
| Pretax return on assets | 0.9421% | 3,725 |
| Return on Equity (ROE) | 5.6621% | 4,329 |
| Retained earnings to average equity (ytd only) | 5.6621% | 2,160 |
| Net charge-offs to loans | -0.0161% | 5,660 |
| Credit loss provision to net charge-offs | -84.7826% | 5,490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5811% | 2,579 |
| Assets per employee ($millions) | 7.6872% | 606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4253% | 2,823 |
| Loan loss allowance to noncurrent loans | 92.9620% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 1.1181% | 2,515 |
| Noncurrent loans to loans | 1.5332% | 1,914 |
| Net loans and leases to total assets | 71.8869% | 1,928 |
| Net loans and leases to deposits | 87.0378% | 1,841 |
| Net loans and leases to core deposits | 92.5271% | 2,034 |
| Total domestic deposits to total assets | 82.5928% | 4,220 |
| Equity capital to assets | 10.6999% | 3,235 |
| Core capital (leverage) ratio | 10.6383% | 2,792 |
| Tier 1 risk-based capital ratio | 10.9238% | 5,936 |
| Total risk-based capital ratio | 12.0696% | 5,910 |
| Memoranda: |
| Average total assets | $481,889,800 | 1,383 |
| Average earning assets | $440,156,000 | 1,394 |
| Average equity | $48,462,600 | 1,489 |
| Average total loans | $285,401,400 | 1,493 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7602% | 4,679 |
| Cost of funding earning assets | 0.1886% | 5,929 |
| Net interest margin | 3.5716% | 3,545 |
| Noninterest income to average assets | 0.2592% | 5,364 |
| Noninterest expense to average assets | 2.7178% | 3,757 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4768% | 4,963 |
| Return on assets (ROA) | 0.4807% | 5,024 |
| Pretax return on assets | 0.8163% | 4,305 |
| Return on Equity (ROE) | 4.8547% | 4,793 |
| Retained earnings to average equity (ytd only) | 4.8547% | 3,181 |
| Net charge-offs to loans | -0.0187% | 5,594 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0351% | 2,348 |
| Assets per employee ($millions) | 8.2095% | 471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6337% | 2,188 |
| Loan loss allowance to noncurrent loans | 75.2651% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 1.3238% | 2,333 |
| Noncurrent loans to loans | 2.1705% | 1,411 |
| Net loans and leases to total assets | 59.9934% | 3,786 |
| Net loans and leases to deposits | 67.7142% | 4,166 |
| Net loans and leases to core deposits | 71.4643% | 4,205 |
| Total domestic deposits to total assets | 88.5979% | 1,452 |
| Equity capital to assets | 10.1216% | 4,026 |
| Core capital (leverage) ratio | 10.1654% | 3,453 |
| Tier 1 risk-based capital ratio | 11.4930% | 5,795 |
| Total risk-based capital ratio | 12.7006% | 5,749 |
| Memoranda: |
| Average total assets | $485,132,250 | 1,387 |
| Average earning assets | $444,009,500 | 1,392 |
| Average equity | $48,034,750 | 1,504 |
| Average total loans | $271,260,250 | 1,575 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6998% | 4,865 |
| Cost of funding earning assets | 0.2031% | 5,882 |
| Net interest margin | 3.4967% | 3,802 |
| Noninterest income to average assets | 0.2505% | 5,405 |
| Noninterest expense to average assets | 2.6956% | 3,885 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4553% | 4,990 |
| Return on assets (ROA) | 0.4553% | 5,067 |
| Pretax return on assets | 0.7680% | 4,389 |
| Return on Equity (ROE) | 4.6327% | 4,849 |
| Retained earnings to average equity (ytd only) | 4.6327% | 3,210 |
| Net charge-offs to loans | -0.0160% | 5,461 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8254% | 2,319 |
| Assets per employee ($millions) | 8.3194% | 437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7310% | 2,033 |
| Loan loss allowance to noncurrent loans | 210.6439% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.4731% | 4,581 |
| Noncurrent loans to loans | 0.8217% | 3,650 |
| Net loans and leases to total assets | 56.5801% | 4,183 |
| Net loans and leases to deposits | 63.7981% | 4,523 |
| Net loans and leases to core deposits | 67.9071% | 4,481 |
| Total domestic deposits to total assets | 88.6862% | 1,546 |
| Equity capital to assets | 10.0656% | 4,014 |
| Core capital (leverage) ratio | 10.3593% | 3,128 |
| Tier 1 risk-based capital ratio | 11.8902% | 5,602 |
| Total risk-based capital ratio | 13.1403% | 5,523 |
| Memoranda: |
| Average total assets | $485,389,670 | 1,381 |
| Average earning assets | $446,023,330 | 1,381 |
| Average equity | $47,704,670 | 1,504 |
| Average total loans | $263,210,330 | 1,613 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4461% | 5,545 |
| Cost of funding earning assets | 0.2162% | 5,874 |
| Net interest margin | 3.2300% | 4,817 |
| Noninterest income to average assets | 0.2284% | 5,525 |
| Noninterest expense to average assets | 2.6531% | 4,104 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3352% | 5,375 |
| Return on assets (ROA) | 0.3352% | 5,425 |
| Pretax return on assets | 0.5587% | 4,986 |
| Return on Equity (ROE) | 3.4523% | 5,297 |
| Retained earnings to average equity (ytd only) | 3.4523% | 4,063 |
| Net charge-offs to loans | -0.0109% | 5,086 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6042% | 1,851 |
| Assets per employee ($millions) | 8.7591% | 361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8850% | 1,800 |
| Loan loss allowance to noncurrent loans | 154.7273% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 0.6552% | 4,159 |
| Noncurrent loans to loans | 1.2183% | 3,009 |
| Net loans and leases to total assets | 52.7663% | 4,565 |
| Net loans and leases to deposits | 58.9636% | 4,847 |
| Net loans and leases to core deposits | 63.3815% | 4,743 |
| Total domestic deposits to total assets | 89.4897% | 1,368 |
| Equity capital to assets | 10.0706% | 3,760 |
| Core capital (leverage) ratio | 9.7186% | 3,971 |
| Tier 1 risk-based capital ratio | 12.8942% | 5,064 |
| Total risk-based capital ratio | 14.1366% | 5,013 |
| Memoranda: |
| Average total assets | $486,822,000 | 1,389 |
| Average earning assets | $449,665,500 | 1,372 |
| Average equity | $47,272,500 | 1,508 |
| Average total loans | $255,904,500 | 1,660 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9138% | 4,410 |
| Cost of funding earning assets | 0.2792% | 5,767 |
| Net interest margin | 3.6346% | 3,310 |
| Noninterest income to average assets | 0.1593% | 6,135 |
| Noninterest expense to average assets | 2.7527% | 3,899 |
| Loan and lease loss provision to assets | 0.0545% | 4,051 |
| Net operating income to assets | 0.4511% | 4,948 |
| Return on assets (ROA) | 0.5566% | 4,601 |
| Pretax return on assets | 0.8994% | 3,768 |
| Return on Equity (ROE) | 5.8124% | 4,202 |
| Retained earnings to average equity (ytd only) | 5.4360% | 2,324 |
| Net charge-offs to loans | -0.0254% | 6,190 |
| Credit loss provision to net charge-offs | -388.8889% | 6,099 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7212% | 2,506 |
| Assets per employee ($millions) | 9.8167% | 245 |
| Cash dividends to net income (ytd only)* | 6.4748% | 4,127 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8599% | 1,894 |
| Loan loss allowance to noncurrent loans | 237.6179% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.4025% | 5,044 |
| Noncurrent loans to loans | 0.7827% | 4,015 |
| Net loans and leases to total assets | 50.4633% | 5,031 |
| Net loans and leases to deposits | 55.9663% | 5,305 |
| Net loans and leases to core deposits | 60.1611% | 5,212 |
| Total domestic deposits to total assets | 90.1672% | 993 |
| Equity capital to assets | 9.3702% | 4,585 |
| Core capital (leverage) ratio | 9.6566% | 4,050 |
| Tier 1 risk-based capital ratio | 12.4401% | 5,323 |
| Total risk-based capital ratio | 13.6902% | 5,270 |
| Memoranda: |
| Average total assets | $449,523,000 | 1,479 |
| Average earning assets | $418,342,400 | 1,456 |
| Average equity | $43,046,200 | 1,630 |
| Average total loans | $247,878,600 | 1,672 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0595% | 3,898 |
| Cost of funding earning assets | 0.2905% | 5,807 |
| Net interest margin | 3.7689% | 2,763 |
| Noninterest income to average assets | 0.1398% | 6,331 |
| Noninterest expense to average assets | 2.8260% | 3,575 |
| Loan and lease loss provision to assets | 0.0748% | 3,560 |
| Net operating income to assets | 0.4257% | 5,135 |
| Return on assets (ROA) | 0.5718% | 4,611 |
| Pretax return on assets | 0.9800% | 3,587 |
| Return on Equity (ROE) | 5.9346% | 4,222 |
| Retained earnings to average equity (ytd only) | 5.4213% | 2,783 |
| Net charge-offs to loans | -0.0158% | 5,992 |
| Credit loss provision to net charge-offs | -844.8276% | 6,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3738% | 2,501 |
| Assets per employee ($millions) | 9.6631% | 253 |
| Cash dividends to net income (ytd only)* | 8.6490% | 3,517 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9444% | 1,869 |
| Loan loss allowance to noncurrent loans | 693.0029% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.1420% | 6,021 |
| Noncurrent loans to loans | 0.2806% | 5,528 |
| Net loans and leases to total assets | 49.6210% | 5,182 |
| Net loans and leases to deposits | 55.1570% | 5,444 |
| Net loans and leases to core deposits | 60.4728% | 5,263 |
| Total domestic deposits to total assets | 89.9633% | 1,017 |
| Equity capital to assets | 9.5745% | 4,456 |
| Core capital (leverage) ratio | 10.2228% | 3,369 |
| Tier 1 risk-based capital ratio | 12.7572% | 5,291 |
| Total risk-based capital ratio | 14.0091% | 5,226 |
| Memoranda: |
| Average total assets | $436,740,500 | 1,528 |
| Average earning assets | $407,035,250 | 1,499 |
| Average equity | $42,079,750 | 1,678 |
| Average total loans | $245,489,750 | 1,690 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1929% | 3,399 |
| Cost of funding earning assets | 0.3068% | 5,776 |
| Net interest margin | 3.8862% | 2,254 |
| Noninterest income to average assets | 0.1348% | 6,381 |
| Noninterest expense to average assets | 2.9292% | 3,240 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4748% | 4,904 |
| Return on assets (ROA) | 0.6818% | 4,061 |
| Pretax return on assets | 1.1798% | 2,764 |
| Return on Equity (ROE) | 7.0589% | 3,565 |
| Retained earnings to average equity (ytd only) | 6.3215% | 2,248 |
| Net charge-offs to loans | -0.2311% | 6,701 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3765% | 2,566 |
| Assets per employee ($millions) | 8.6487% | 349 |
| Cash dividends to net income (ytd only)* | 10.4457% | 3,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9212% | 2,051 |
| Loan loss allowance to noncurrent loans | 681.5451% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.1616% | 6,007 |
| Noncurrent loans to loans | 0.2819% | 5,597 |
| Net loans and leases to total assets | 56.2395% | 4,239 |
| Net loans and leases to deposits | 63.2464% | 4,593 |
| Net loans and leases to core deposits | 70.3323% | 4,233 |
| Total domestic deposits to total assets | 88.9214% | 1,674 |
| Equity capital to assets | 10.6485% | 3,122 |
| Core capital (leverage) ratio | 10.9780% | 2,377 |
| Tier 1 risk-based capital ratio | 13.7938% | 4,570 |
| Total risk-based capital ratio | 15.0449% | 4,538 |
| Memoranda: |
| Average total assets | $421,268,670 | 1,581 |
| Average earning assets | $395,760,670 | 1,540 |
| Average equity | $40,686,330 | 1,733 |
| Average total loans | $245,819,330 | 1,687 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2984% | 2,898 |
| Cost of funding earning assets | 0.3270% | 5,746 |
| Net interest margin | 3.9714% | 1,888 |
| Noninterest income to average assets | 0.1203% | 6,499 |
| Noninterest expense to average assets | 2.9792% | 3,055 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4946% | 4,693 |
| Return on assets (ROA) | 0.4946% | 4,846 |
| Pretax return on assets | 0.8574% | 3,925 |
| Return on Equity (ROE) | 5.4097% | 4,350 |
| Retained earnings to average equity (ytd only) | 4.6204% | 3,464 |
| Net charge-offs to loans | -0.4200% | 6,827 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6524% | 2,666 |
| Assets per employee ($millions) | 8.8604% | 330 |
| Cash dividends to net income (ytd only)* | 14.5914% | 2,396 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9552% | 2,160 |
| Loan loss allowance to noncurrent loans | 669.8727% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.1698% | 6,063 |
| Noncurrent loans to loans | 0.2919% | 5,680 |
| Net loans and leases to total assets | 57.0285% | 3,920 |
| Net loans and leases to deposits | 63.1442% | 4,398 |
| Net loans and leases to core deposits | 70.8692% | 3,965 |
| Total domestic deposits to total assets | 90.3148% | 871 |
| Equity capital to assets | 9.1855% | 5,270 |
| Core capital (leverage) ratio | 8.8522% | 5,114 |
| Tier 1 risk-based capital ratio | 11.0225% | 6,395 |
| Total risk-based capital ratio | 12.2736% | 6,368 |
| Memoranda: |
| Average total assets | $415,685,000 | 1,609 |
| Average earning assets | $388,983,500 | 1,572 |
| Average equity | $38,005,500 | 1,866 |
| Average total loans | $244,747,000 | 1,696 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7951% | 2,218 |
| Cost of funding earning assets | 0.5187% | 5,080 |
| Net interest margin | 4.2764% | 1,455 |
| Noninterest income to average assets | 0.1229% | 6,420 |
| Noninterest expense to average assets | 2.8133% | 3,973 |
| Loan and lease loss provision to assets | 0.1263% | 4,032 |
| Net operating income to assets | 0.6656% | 3,910 |
| Return on assets (ROA) | 0.7224% | 3,883 |
| Pretax return on assets | 1.2640% | 2,547 |
| Return on Equity (ROE) | 7.6526% | 3,258 |
| Retained earnings to average equity (ytd only) | 6.8163% | 1,664 |
| Net charge-offs to loans | 0.1638% | 4,065 |
| Credit loss provision to net charge-offs | 127.6596% | 2,204 |
| Earnings coverage of net charge-offs (x) | 13.1543% | 1,859 |
| Efficiency ratio | 68.3679% | 4,075 |
| Assets per employee ($millions) | 9.2207% | 305 |
| Cash dividends to net income (ytd only)* | 10.9290% | 4,046 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8118% | 2,553 |
| Loan loss allowance to noncurrent loans | 511.4155% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.2111% | 6,034 |
| Noncurrent loans to loans | 0.3543% | 5,601 |
| Net loans and leases to total assets | 58.5131% | 3,880 |
| Net loans and leases to deposits | 64.7266% | 4,457 |
| Net loans and leases to core deposits | 72.1538% | 4,024 |
| Total domestic deposits to total assets | 90.4003% | 752 |
| Equity capital to assets | 9.1001% | 5,401 |
| Core capital (leverage) ratio | 8.8527% | 5,094 |
| Tier 1 risk-based capital ratio | 10.7250% | 6,461 |
| Total risk-based capital ratio | 11.9768% | 6,427 |
| Memoranda: |
| Average total assets | $379,980,200 | 1,712 |
| Average earning assets | $354,714,200 | 1,682 |
| Average equity | $35,870,000 | 1,927 |
| Average total loans | $229,498,000 | 1,778 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8408% | 2,236 |
| Cost of funding earning assets | 0.5568% | 5,028 |
| Net interest margin | 4.2840% | 1,524 |
| Noninterest income to average assets | 0.1239% | 6,515 |
| Noninterest expense to average assets | 2.8128% | 3,942 |
| Loan and lease loss provision to assets | 0.0359% | 5,322 |
| Net operating income to assets | 0.7470% | 3,702 |
| Return on assets (ROA) | 0.7470% | 3,953 |
| Pretax return on assets | 1.2850% | 2,659 |
| Return on Equity (ROE) | 7.8346% | 3,351 |
| Retained earnings to average equity (ytd only) | 6.9871% | 2,139 |
| Net charge-offs to loans | 0.1102% | 4,288 |
| Credit loss provision to net charge-offs | 53.7634% | 4,307 |
| Earnings coverage of net charge-offs (x) | 19.7745% | 1,478 |
| Efficiency ratio | 68.0452% | 4,052 |
| Assets per employee ($millions) | 8.8208% | 356 |
| Cash dividends to net income (ytd only)* | 10.8172% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8384% | 2,677 |
| Loan loss allowance to noncurrent loans | 321.5892% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.3218% | 5,891 |
| Noncurrent loans to loans | 0.5717% | 5,291 |
| Net loans and leases to total assets | 55.2518% | 4,562 |
| Net loans and leases to deposits | 61.2554% | 5,050 |
| Net loans and leases to core deposits | 68.4722% | 4,679 |
| Total domestic deposits to total assets | 90.1992% | 731 |
| Equity capital to assets | 8.9875% | 5,839 |
| Core capital (leverage) ratio | 8.8382% | 5,284 |
| Tier 1 risk-based capital ratio | 10.7597% | 6,582 |
| Total risk-based capital ratio | 12.0112% | 6,562 |
| Memoranda: |
| Average total assets | $371,242,500 | 1,778 |
| Average earning assets | $347,482,500 | 1,732 |
| Average equity | $35,397,750 | 1,970 |
| Average total loans | $225,055,250 | 1,824 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0639% | 1,620 |
| Cost of funding earning assets | 0.6011% | 4,891 |
| Net interest margin | 4.4628% | 1,058 |
| Noninterest income to average assets | 0.1233% | 6,566 |
| Noninterest expense to average assets | 2.9030% | 3,608 |
| Loan and lease loss provision to assets | 0.0561% | 4,957 |
| Net operating income to assets | 0.7982% | 3,401 |
| Return on assets (ROA) | 0.7982% | 3,654 |
| Pretax return on assets | 1.3341% | 2,442 |
| Return on Equity (ROE) | 8.1893% | 3,168 |
| Retained earnings to average equity (ytd only) | 7.3267% | 1,943 |
| Net charge-offs to loans | 0.0126% | 5,275 |
| Credit loss provision to net charge-offs | 714.2857% | 443 |
| Earnings coverage of net charge-offs (x) | 177.1429% | 260 |
| Efficiency ratio | 67.6198% | 4,206 |
| Assets per employee ($millions) | 8.8121% | 343 |
| Cash dividends to net income (ytd only)* | 10.5337% | 3,280 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8800% | 2,614 |
| Loan loss allowance to noncurrent loans | 418.9671% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.2747% | 6,092 |
| Noncurrent loans to loans | 0.4487% | 5,638 |
| Net loans and leases to total assets | 60.0620% | 3,805 |
| Net loans and leases to deposits | 66.6717% | 4,424 |
| Net loans and leases to core deposits | 75.1281% | 3,865 |
| Total domestic deposits to total assets | 90.0862% | 879 |
| Equity capital to assets | 9.1956% | 5,468 |
| Core capital (leverage) ratio | 9.6987% | 3,836 |
| Tier 1 risk-based capital ratio | 10.8459% | 6,562 |
| Total risk-based capital ratio | 12.0981% | 6,543 |
| Memoranda: |
| Average total assets | $356,797,330 | 1,843 |
| Average earning assets | $333,377,000 | 1,804 |
| Average equity | $34,777,000 | 1,983 |
| Average total loans | $222,289,670 | 1,825 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2883% | 1,122 |
| Cost of funding earning assets | 0.6315% | 4,878 |
| Net interest margin | 4.6568% | 739 |
| Noninterest income to average assets | 0.1254% | 6,623 |
| Noninterest expense to average assets | 2.9754% | 3,356 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9035% | 2,899 |
| Return on assets (ROA) | 0.9035% | 3,124 |
| Pretax return on assets | 1.4883% | 1,898 |
| Return on Equity (ROE) | 8.9812% | 2,846 |
| Retained earnings to average equity (ytd only) | 8.1075% | 1,948 |
| Net charge-offs to loans | 0.0298% | 4,268 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 79.3750% | 422 |
| Efficiency ratio | 66.6579% | 4,436 |
| Assets per employee ($millions) | 8.5112% | 388 |
| Cash dividends to net income (ytd only)* | 9.7276% | 2,562 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9674% | 2,460 |
| Loan loss allowance to noncurrent loans | 2,519.6532% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.0508% | 6,767 |
| Noncurrent loans to loans | 0.0781% | 6,555 |
| Net loans and leases to total assets | 63.7996% | 2,892 |
| Net loans and leases to deposits | 72.3440% | 3,376 |
| Net loans and leases to core deposits | 82.9403% | 2,698 |
| Total domestic deposits to total assets | 88.1891% | 2,192 |
| Equity capital to assets | 10.2829% | 3,749 |
| Core capital (leverage) ratio | 9.9402% | 3,443 |
| Tier 1 risk-based capital ratio | 11.3107% | 6,383 |
| Total risk-based capital ratio | 12.5541% | 6,367 |
| Memoranda: |
| Average total assets | $341,330,500 | 1,921 |
| Average earning assets | $317,983,500 | 1,888 |
| Average equity | $34,338,500 | 2,012 |
| Average total loans | $214,764,000 | 1,905 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9006% | 3,357 |
| Cost of funding earning assets | 0.7517% | 5,202 |
| Net interest margin | 4.1489% | 2,233 |
| Noninterest income to average assets | 0.1920% | 6,129 |
| Noninterest expense to average assets | 2.9562% | 3,750 |
| Loan and lease loss provision to assets | 0.1351% | 4,928 |
| Net operating income to assets | 1.1838% | 1,551 |
| Return on assets (ROA) | 1.1838% | 1,666 |
| Pretax return on assets | 1.0061% | 3,225 |
| Return on Equity (ROE) | 11.9758% | 1,411 |
| Retained earnings to average equity (ytd only) | 10.2192% | 518 |
| Net charge-offs to loans | 0.2467% | 4,236 |
| Credit loss provision to net charge-offs | 90.6250% | 3,980 |
| Earnings coverage of net charge-offs (x) | 7.6542% | 2,299 |
| Efficiency ratio | 72.1477% | 3,543 |
| Assets per employee ($millions) | 8.5553% | 384 |
| Cash dividends to net income (ytd only)* | 14.6681% | 3,733 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1042% | 1,996 |
| Loan loss allowance to noncurrent loans | 448.8205% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.2849% | 6,251 |
| Noncurrent loans to loans | 0.4688% | 5,775 |
| Net loans and leases to total assets | 59.4918% | 4,082 |
| Net loans and leases to deposits | 66.3767% | 4,685 |
| Net loans and leases to core deposits | 74.9604% | 4,110 |
| Total domestic deposits to total assets | 89.6275% | 1,189 |
| Equity capital to assets | 9.8386% | 4,384 |
| Core capital (leverage) ratio | 10.3576% | 2,900 |
| Tier 1 risk-based capital ratio | 11.4790% | 6,171 |
| Total risk-based capital ratio | 12.7248% | 6,165 |
| Memoranda: |
| Average total assets | $321,935,800 | 1,998 |
| Average earning assets | $303,047,600 | 1,936 |
| Average equity | $31,822,400 | 2,086 |
| Average total loans | $194,561,400 | 2,089 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9393% | 3,385 |
| Cost of funding earning assets | 0.7952% | 5,182 |
| Net interest margin | 4.1441% | 2,292 |
| Noninterest income to average assets | 0.2188% | 6,046 |
| Noninterest expense to average assets | 2.9736% | 3,659 |
| Loan and lease loss provision to assets | 0.0210% | 6,178 |
| Net operating income to assets | 1.0078% | 2,291 |
| Return on assets (ROA) | 1.0078% | 2,444 |
| Pretax return on assets | 1.1340% | 2,880 |
| Return on Equity (ROE) | 10.1823% | 2,140 |
| Retained earnings to average equity (ytd only) | 8.1246% | 1,460 |
| Net charge-offs to loans | 0.4051% | 3,103 |
| Credit loss provision to net charge-offs | 8.6059% | 5,670 |
| Earnings coverage of net charge-offs (x) | 4.7246% | 2,981 |
| Efficiency ratio | 72.0241% | 3,548 |
| Assets per employee ($millions) | 8.2260% | 431 |
| Cash dividends to net income (ytd only)* | 20.2089% | 2,917 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1019% | 2,063 |
| Loan loss allowance to noncurrent loans | 98.5559% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 1.1996% | 4,399 |
| Noncurrent loans to loans | 2.1327% | 3,202 |
| Net loans and leases to total assets | 55.0626% | 4,991 |
| Net loans and leases to deposits | 61.3143% | 5,475 |
| Net loans and leases to core deposits | 69.0774% | 5,056 |
| Total domestic deposits to total assets | 89.8039% | 972 |
| Equity capital to assets | 9.7852% | 4,645 |
| Core capital (leverage) ratio | 10.0120% | 3,423 |
| Tier 1 risk-based capital ratio | 12.0791% | 5,841 |
| Total risk-based capital ratio | 13.3309% | 5,827 |
| Memoranda: |
| Average total assets | $316,866,750 | 2,031 |
| Average earning assets | $298,953,000 | 1,964 |
| Average equity | $31,360,750 | 2,116 |
| Average total loans | $191,210,750 | 2,143 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0461% | 2,947 |
| Cost of funding earning assets | 0.8365% | 5,150 |
| Net interest margin | 4.2096% | 1,996 |
| Noninterest income to average assets | 0.1106% | 6,780 |
| Noninterest expense to average assets | 3.0133% | 3,587 |
| Loan and lease loss provision to assets | 0.0320% | 5,910 |
| Net operating income to assets | 0.9287% | 2,520 |
| Return on assets (ROA) | 0.9674% | 2,465 |
| Pretax return on assets | 1.0824% | 2,923 |
| Return on Equity (ROE) | 9.7355% | 2,219 |
| Retained earnings to average equity (ytd only) | 7.1038% | 1,829 |
| Net charge-offs to loans | 0.4647% | 2,719 |
| Credit loss provision to net charge-offs | 11.1359% | 5,234 |
| Earnings coverage of net charge-offs (x) | 3.7305% | 3,066 |
| Efficiency ratio | 73.7790% | 3,398 |
| Assets per employee ($millions) | 7.7003% | 511 |
| Cash dividends to net income (ytd only)* | 27.0324% | 2,586 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2049% | 1,911 |
| Loan loss allowance to noncurrent loans | 122.6968% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 1.0642% | 4,758 |
| Noncurrent loans to loans | 1.7970% | 3,759 |
| Net loans and leases to total assets | 57.9177% | 4,643 |
| Net loans and leases to deposits | 64.8577% | 5,172 |
| Net loans and leases to core deposits | 73.3590% | 4,657 |
| Total domestic deposits to total assets | 89.2997% | 1,359 |
| Equity capital to assets | 10.3616% | 3,675 |
| Core capital (leverage) ratio | 10.2106% | 3,019 |
| Tier 1 risk-based capital ratio | 12.6305% | 5,236 |
| Total risk-based capital ratio | 13.8832% | 5,200 |
| Memoranda: |
| Average total assets | $312,809,670 | 2,057 |
| Average earning assets | $295,276,330 | 2,005 |
| Average equity | $31,082,000 | 2,119 |
| Average total loans | $193,258,670 | 2,151 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1370% | 2,485 |
| Cost of funding earning assets | 0.8644% | 5,172 |
| Net interest margin | 4.2726% | 1,657 |
| Noninterest income to average assets | 0.1066% | 6,877 |
| Noninterest expense to average assets | 3.0837% | 3,319 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9566% | 2,327 |
| Return on assets (ROA) | 1.0342% | 2,106 |
| Pretax return on assets | 1.1484% | 2,573 |
| Return on Equity (ROE) | 10.6308% | 1,863 |
| Retained earnings to average equity (ytd only) | 7.6959% | 1,842 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3802% | 3,450 |
| Assets per employee ($millions) | 7.8351% | 501 |
| Cash dividends to net income (ytd only)* | 27.6074% | 2,055 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3414% | 1,698 |
| Loan loss allowance to noncurrent loans | 110.1121% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 1.2811% | 4,397 |
| Noncurrent loans to loans | 2.1264% | 3,410 |
| Net loans and leases to total assets | 58.8370% | 4,490 |
| Net loans and leases to deposits | 65.6464% | 5,025 |
| Net loans and leases to core deposits | 74.2789% | 4,508 |
| Total domestic deposits to total assets | 89.6272% | 1,411 |
| Equity capital to assets | 9.8840% | 3,919 |
| Core capital (leverage) ratio | 9.8776% | 3,302 |
| Tier 1 risk-based capital ratio | 12.6382% | 5,124 |
| Total risk-based capital ratio | 13.8957% | 5,096 |
| Memoranda: |
| Average total assets | $315,209,000 | 2,066 |
| Average earning assets | $297,993,500 | 2,004 |
| Average equity | $30,665,500 | 2,136 |
| Average total loans | $198,680,500 | 2,122 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2221% | 3,501 |
| Cost of funding earning assets | 1.1369% | 4,924 |
| Net interest margin | 4.0852% | 2,639 |
| Noninterest income to average assets | -0.0103% | 7,310 |
| Noninterest expense to average assets | 2.8371% | 4,447 |
| Loan and lease loss provision to assets | 0.2569% | 4,735 |
| Net operating income to assets | 0.6722% | 3,334 |
| Return on assets (ROA) | 0.6722% | 3,476 |
| Pretax return on assets | 0.7292% | 3,874 |
| Return on Equity (ROE) | 7.2898% | 2,988 |
| Retained earnings to average equity (ytd only) | 6.2755% | 1,678 |
| Net charge-offs to loans | 0.3465% | 4,282 |
| Credit loss provision to net charge-offs | 114.9233% | 3,773 |
| Earnings coverage of net charge-offs (x) | 4.4114% | 2,933 |
| Efficiency ratio | 74.2070% | 3,354 |
| Assets per employee ($millions) | 8.3424% | 422 |
| Cash dividends to net income (ytd only)* | 13.9147% | 3,639 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1200% | 2,024 |
| Loan loss allowance to noncurrent loans | 88.4377% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 1.5769% | 3,942 |
| Noncurrent loans to loans | 2.3971% | 3,123 |
| Net loans and leases to total assets | 64.3888% | 3,788 |
| Net loans and leases to deposits | 71.6999% | 4,567 |
| Net loans and leases to core deposits | 81.9895% | 3,911 |
| Total domestic deposits to total assets | 89.8033% | 1,207 |
| Equity capital to assets | 9.5750% | 4,306 |
| Core capital (leverage) ratio | 9.1771% | 4,214 |
| Tier 1 risk-based capital ratio | 11.6108% | 5,806 |
| Total risk-based capital ratio | 12.8663% | 5,811 |
| Memoranda: |
| Average total assets | $320,751,000 | 2,032 |
| Average earning assets | $300,989,200 | 1,970 |
| Average equity | $29,575,400 | 2,205 |
| Average total loans | $206,935,600 | 2,096 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1974% | 3,844 |
| Cost of funding earning assets | 1.1822% | 4,970 |
| Net interest margin | 4.0151% | 3,029 |
| Noninterest income to average assets | -0.0613% | 7,508 |
| Noninterest expense to average assets | 2.6850% | 4,946 |
| Loan and lease loss provision to assets | 0.2416% | 4,669 |
| Net operating income to assets | 0.7237% | 3,305 |
| Return on assets (ROA) | 0.7237% | 3,456 |
| Pretax return on assets | 0.7705% | 4,008 |
| Return on Equity (ROE) | 7.9234% | 2,944 |
| Retained earnings to average equity (ytd only) | 7.2427% | 1,732 |
| Net charge-offs to loans | 0.5920% | 2,965 |
| Credit loss provision to net charge-offs | 63.5769% | 5,603 |
| Earnings coverage of net charge-offs (x) | 2.6630% | 3,819 |
| Efficiency ratio | 72.6233% | 3,586 |
| Assets per employee ($millions) | 9.2279% | 324 |
| Cash dividends to net income (ytd only)* | 8.5913% | 3,363 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8570% | 2,603 |
| Loan loss allowance to noncurrent loans | 46.9949% | 5,159 |
| Noncurrent assets plus other real estate owned to assets | 2.6966% | 2,677 |
| Noncurrent loans to loans | 3.9515% | 1,907 |
| Net loans and leases to total assets | 61.6063% | 4,611 |
| Net loans and leases to deposits | 68.2199% | 5,389 |
| Net loans and leases to core deposits | 79.4473% | 4,596 |
| Total domestic deposits to total assets | 90.3055% | 723 |
| Equity capital to assets | 9.0419% | 5,521 |
| Core capital (leverage) ratio | 9.1169% | 4,504 |
| Tier 1 risk-based capital ratio | 11.2074% | 6,181 |
| Total risk-based capital ratio | 12.4604% | 6,174 |
| Memoranda: |
| Average total assets | $321,685,500 | 2,052 |
| Average earning assets | $301,119,250 | 2,007 |
| Average equity | $29,380,750 | 2,246 |
| Average total loans | $206,534,000 | 2,128 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3091% | 3,427 |
| Cost of funding earning assets | 1.2549% | 4,795 |
| Net interest margin | 4.0542% | 2,771 |
| Noninterest income to average assets | -0.2183% | 7,684 |
| Noninterest expense to average assets | 2.7318% | 4,779 |
| Loan and lease loss provision to assets | 0.1269% | 5,614 |
| Net operating income to assets | 0.6785% | 3,491 |
| Return on assets (ROA) | 0.6785% | 3,636 |
| Pretax return on assets | 0.7185% | 4,168 |
| Return on Equity (ROE) | 7.4021% | 3,149 |
| Retained earnings to average equity (ytd only) | 6.8828% | 1,886 |
| Net charge-offs to loans | 0.5149% | 2,988 |
| Credit loss provision to net charge-offs | 38.0952% | 5,633 |
| Earnings coverage of net charge-offs (x) | 2.5371% | 3,731 |
| Efficiency ratio | 76.3662% | 3,005 |
| Assets per employee ($millions) | 8.5443% | 407 |
| Cash dividends to net income (ytd only)* | 7.0159% | 3,222 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9259% | 2,354 |
| Loan loss allowance to noncurrent loans | 59.6738% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 2.2856% | 3,150 |
| Noncurrent loans to loans | 3.2274% | 2,483 |
| Net loans and leases to total assets | 62.5476% | 4,572 |
| Net loans and leases to deposits | 69.3648% | 5,372 |
| Net loans and leases to core deposits | 80.6191% | 4,611 |
| Total domestic deposits to total assets | 90.1720% | 832 |
| Equity capital to assets | 9.2151% | 5,122 |
| Core capital (leverage) ratio | 9.0650% | 4,501 |
| Tier 1 risk-based capital ratio | 11.3588% | 5,899 |
| Total risk-based capital ratio | 12.6133% | 5,877 |
| Memoranda: |
| Average total assets | $315,103,670 | 2,114 |
| Average earning assets | $295,005,330 | 2,057 |
| Average equity | $28,883,670 | 2,269 |
| Average total loans | $203,937,670 | 2,180 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3724% | 3,182 |
| Cost of funding earning assets | 1.2972% | 4,832 |
| Net interest margin | 4.0752% | 2,546 |
| Noninterest income to average assets | -0.3532% | 7,836 |
| Noninterest expense to average assets | 2.8603% | 4,225 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5633% | 4,064 |
| Return on assets (ROA) | 0.5633% | 4,212 |
| Pretax return on assets | 0.5929% | 4,635 |
| Return on Equity (ROE) | 6.1624% | 3,789 |
| Retained earnings to average equity (ytd only) | 6.1624% | 2,543 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8294% | 2,161 |
| Assets per employee ($millions) | 8.2269% | 471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1443% | 1,865 |
| Loan loss allowance to noncurrent loans | 104.6083% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 2.0360% | 3,456 |
| Noncurrent loans to loans | 2.0498% | 3,719 |
| Net loans and leases to total assets | 62.9595% | 4,538 |
| Net loans and leases to deposits | 69.7640% | 5,374 |
| Net loans and leases to core deposits | 81.7900% | 4,524 |
| Total domestic deposits to total assets | 90.2464% | 863 |
| Equity capital to assets | 9.1628% | 5,041 |
| Core capital (leverage) ratio | 9.2036% | 4,220 |
| Tier 1 risk-based capital ratio | 11.5848% | 5,590 |
| Total risk-based capital ratio | 12.8026% | 5,602 |
| Memoranda: |
| Average total assets | $310,313,500 | 2,196 |
| Average earning assets | $289,852,500 | 2,147 |
| Average equity | $28,365,500 | 2,341 |
| Average total loans | $202,371,500 | 2,248 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8459% | 2,454 |
| Cost of funding earning assets | 1.3729% | 6,045 |
| Net interest margin | 4.4730% | 1,229 |
| Noninterest income to average assets | -0.0939% | 7,801 |
| Noninterest expense to average assets | 2.9656% | 4,277 |
| Loan and lease loss provision to assets | 1.2738% | 1,815 |
| Net operating income to assets | -0.1733% | 5,807 |
| Return on assets (ROA) | -0.1733% | 5,802 |
| Pretax return on assets | -0.1532% | 5,649 |
| Return on Equity (ROE) | -1.8355% | 5,829 |
| Retained earnings to average equity (ytd only) | -1.8355% | 5,474 |
| Net charge-offs to loans | 1.4604% | 1,719 |
| Credit loss provision to net charge-offs | 118.5283% | 4,547 |
| Earnings coverage of net charge-offs (x) | 1.0427% | 5,070 |
| Efficiency ratio | 72.5765% | 4,167 |
| Assets per employee ($millions) | 8.1054% | 491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1183% | 1,795 |
| Loan loss allowance to noncurrent loans | 120.7447% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 2.0026% | 3,396 |
| Noncurrent loans to loans | 1.7544% | 4,007 |
| Net loans and leases to total assets | 64.7040% | 4,442 |
| Net loans and leases to deposits | 71.6055% | 5,384 |
| Net loans and leases to core deposits | 89.6347% | 5,172 |
| Total domestic deposits to total assets | 90.3618% | 800 |
| Equity capital to assets | 9.1187% | 4,957 |
| Core capital (leverage) ratio | 9.2839% | 3,999 |
| Tier 1 risk-based capital ratio | 11.1947% | 5,728 |
| Total risk-based capital ratio | 12.4512% | 5,672 |
| Memoranda: |
| Average total assets | $283,248,200 | 2,327 |
| Average earning assets | $264,698,400 | 2,287 |
| Average equity | $26,750,400 | 2,470 |
| Average total loans | $208,429,400 | 2,219 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9354% | 2,297 |
| Cost of funding earning assets | 1.3752% | 6,316 |
| Net interest margin | 4.5602% | 1,056 |
| Noninterest income to average assets | -0.0217% | 7,873 |
| Noninterest expense to average assets | 3.0452% | 3,858 |
| Loan and lease loss provision to assets | 1.7536% | 1,052 |
| Net operating income to assets | -0.5808% | 6,510 |
| Return on assets (ROA) | -0.5808% | 6,506 |
| Pretax return on assets | -0.5549% | 6,357 |
| Return on Equity (ROE) | -6.0920% | 6,565 |
| Retained earnings to average equity (ytd only) | -6.0920% | 6,397 |
| Net charge-offs to loans | 1.8559% | 1,086 |
| Credit loss provision to net charge-offs | 124.8801% | 4,034 |
| Earnings coverage of net charge-offs (x) | 0.8537% | 5,204 |
| Efficiency ratio | 71.7542% | 4,289 |
| Assets per employee ($millions) | 7.7036% | 582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1249% | 1,557 |
| Loan loss allowance to noncurrent loans | 191.4029% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 1.8384% | 3,599 |
| Noncurrent loans to loans | 1.1102% | 5,093 |
| Net loans and leases to total assets | 72.3143% | 2,950 |
| Net loans and leases to deposits | 80.4631% | 4,305 |
| Net loans and leases to core deposits | 100.8479% | 4,279 |
| Total domestic deposits to total assets | 89.8727% | 819 |
| Equity capital to assets | 9.6463% | 4,558 |
| Core capital (leverage) ratio | 9.5464% | 3,850 |
| Tier 1 risk-based capital ratio | 11.0404% | 5,906 |
| Total risk-based capital ratio | 12.2928% | 5,867 |
| Memoranda: |
| Average total assets | $277,059,250 | 2,385 |
| Average earning assets | $259,160,750 | 2,345 |
| Average equity | $26,416,500 | 2,511 |
| Average total loans | $209,635,750 | 2,217 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8070% | 3,011 |
| Cost of funding earning assets | 1.3637% | 6,608 |
| Net interest margin | 4.4433% | 1,307 |
| Noninterest income to average assets | -0.0831% | 8,024 |
| Noninterest expense to average assets | 3.1020% | 3,691 |
| Loan and lease loss provision to assets | 2.2223% | 717 |
| Net operating income to assets | -1.2886% | 7,155 |
| Return on assets (ROA) | -1.2886% | 7,162 |
| Pretax return on assets | -1.2515% | 6,968 |
| Return on Equity (ROE) | -13.5702% | 7,256 |
| Retained earnings to average equity (ytd only) | -13.5702% | 7,158 |
| Net charge-offs to loans | 2.6419% | 638 |
| Credit loss provision to net charge-offs | 110.2712% | 4,201 |
| Earnings coverage of net charge-offs (x) | 0.4817% | 5,224 |
| Efficiency ratio | 76.1632% | 3,658 |
| Assets per employee ($millions) | 7.8258% | 531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9170% | 1,752 |
| Loan loss allowance to noncurrent loans | 286.6382% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 1.5732% | 3,868 |
| Noncurrent loans to loans | 0.6688% | 5,913 |
| Net loans and leases to total assets | 75.3373% | 2,358 |
| Net loans and leases to deposits | 83.9385% | 3,888 |
| Net loans and leases to core deposits | 103.9054% | 4,073 |
| Total domestic deposits to total assets | 89.7529% | 933 |
| Equity capital to assets | 9.7834% | 4,238 |
| Core capital (leverage) ratio | 9.8341% | 3,474 |
| Tier 1 risk-based capital ratio | 10.9358% | 5,946 |
| Total risk-based capital ratio | 12.1916% | 5,878 |
| Memoranda: |
| Average total assets | $274,401,670 | 2,413 |
| Average earning assets | $256,656,000 | 2,386 |
| Average equity | $26,057,000 | 2,553 |
| Average total loans | $209,316,330 | 2,252 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6844% | 3,880 |
| Cost of funding earning assets | 1.3900% | 6,770 |
| Net interest margin | 4.2944% | 1,621 |
| Noninterest income to average assets | 0.0947% | 7,576 |
| Noninterest expense to average assets | 3.0759% | 3,467 |
| Loan and lease loss provision to assets | 0.4821% | 2,554 |
| Net operating income to assets | 0.4981% | 4,427 |
| Return on assets (ROA) | 0.4981% | 4,617 |
| Pretax return on assets | 0.5636% | 4,870 |
| Return on Equity (ROE) | 5.3257% | 4,321 |
| Retained earnings to average equity (ytd only) | 5.3257% | 2,947 |
| Net charge-offs to loans | 1.5998% | 908 |
| Credit loss provision to net charge-offs | 39.6407% | 4,826 |
| Earnings coverage of net charge-offs (x) | 0.8599% | 4,335 |
| Efficiency ratio | 74.6290% | 3,712 |
| Assets per employee ($millions) | 7.5080% | 620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5041% | 2,964 |
| Loan loss allowance to noncurrent loans | 1,188.2784% | 352 |
| Noncurrent assets plus other real estate owned to assets | 1.2340% | 4,215 |
| Noncurrent loans to loans | 0.1266% | 7,158 |
| Net loans and leases to total assets | 76.4719% | 2,169 |
| Net loans and leases to deposits | 85.8060% | 3,666 |
| Net loans and leases to core deposits | 104.7887% | 4,050 |
| Total domestic deposits to total assets | 89.1218% | 1,185 |
| Equity capital to assets | 10.3458% | 3,613 |
| Core capital (leverage) ratio | 10.6296% | 2,804 |
| Tier 1 risk-based capital ratio | 11.8583% | 5,074 |
| Total risk-based capital ratio | 13.1103% | 4,982 |
| Memoranda: |
| Average total assets | $274,651,000 | 2,423 |
| Average earning assets | $257,546,000 | 2,389 |
| Average equity | $25,687,000 | 2,596 |
| Average total loans | $208,782,500 | 2,281 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0109% | 5,495 |
| Cost of funding earning assets | 2.1990% | 5,603 |
| Net interest margin | 3.8120% | 3,970 |
| Noninterest income to average assets | 0.1068% | 7,599 |
| Noninterest expense to average assets | 3.0001% | 4,081 |
| Loan and lease loss provision to assets | 1.4059% | 987 |
| Net operating income to assets | -0.7888% | 7,130 |
| Return on assets (ROA) | -0.7888% | 7,030 |
| Pretax return on assets | -0.7428% | 6,841 |
| Return on Equity (ROE) | -8.8940% | 7,187 |
| Retained earnings to average equity (ytd only) | -8.8940% | 6,959 |
| Net charge-offs to loans | 0.5887% | 2,062 |
| Credit loss provision to net charge-offs | 320.8791% | 1,407 |
| Earnings coverage of net charge-offs (x) | 1.5135% | 5,345 |
| Efficiency ratio | 81.8975% | 2,313 |
| Assets per employee ($millions) | 7.3380% | 615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8570% | 1,510 |
| Loan loss allowance to noncurrent loans | 88.0667% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 1.5679% | 3,103 |
| Noncurrent loans to loans | 2.1086% | 2,620 |
| Net loans and leases to total assets | 72.9768% | 3,363 |
| Net loans and leases to deposits | 79.8946% | 5,063 |
| Net loans and leases to core deposits | 97.4230% | 5,109 |
| Total domestic deposits to total assets | 91.3413% | 238 |
| Equity capital to assets | 8.3364% | 6,363 |
| Core capital (leverage) ratio | 8.6751% | 5,243 |
| Tier 1 risk-based capital ratio | 10.1990% | 6,518 |
| Total risk-based capital ratio | 11.4600% | 6,373 |
| Memoranda: |
| Average total assets | $228,461,800 | 2,785 |
| Average earning assets | $213,144,800 | 2,734 |
| Average equity | $20,260,800 | 3,186 |
| Average total loans | $170,033,600 | 2,616 |
