| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9810% | 652 |
| Cost of funding earning assets | 2.1037% | 778 |
| Net interest margin | 3.8773% | 1,423 |
| Noninterest income to average assets | 0.6200% | 1,451 |
| Noninterest expense to average assets | 2.5085% | 2,271 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.2829% | 1,466 |
| Return on assets (ROA) | 1.2511% | 1,510 |
| Pretax return on assets | 1.5903% | 1,251 |
| Return on Equity (ROE) | 11.8000% | 2,005 |
| Retained earnings to average equity (ytd only) | 9.8761% | 1,051 |
| Net charge-offs to loans | 0.1112% | 848 |
| Credit loss provision to net charge-offs | 92.1263% | 1,936 |
| Earnings coverage of net charge-offs (x) | 20.1157% | 1,874 |
| Efficiency ratio | 58.8088% | 3,207 |
| Assets per employee ($millions) | 8.6476% | 1,130 |
| Cash dividends to net income (ytd only)* | 16.3167% | 3,068 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8093% | 3,945 |
| Loan loss allowance to noncurrent loans | 236.7545% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.2850% | 1,804 |
| Noncurrent loans to loans | 0.3418% | 1,957 |
| Net loans and leases to total assets | 75.2700% | 1,210 |
| Net loans and leases to deposits | 94.0376% | 936 |
| Net loans and leases to core deposits | 111.4877% | 900 |
| Total domestic deposits to total assets | 80.0400% | 3,455 |
| Equity capital to assets | 10.8645% | 1,545 |
| Core capital (leverage) ratio | 10.6332% | 2,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4341% | 2,438 |
| Memoranda: |
| Average total assets | $6,368,234,600 | 232 |
| Average earning assets | $5,895,695,000 | 226 |
| Average equity | $675,094,000 | 220 |
| Average total loans | $4,844,736,000 | 206 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8903% | 610 |
| Cost of funding earning assets | 2.0044% | 704 |
| Net interest margin | 3.8859% | 1,428 |
| Noninterest income to average assets | 0.6300% | 1,403 |
| Noninterest expense to average assets | 2.4912% | 2,259 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.2965% | 1,558 |
| Return on assets (ROA) | 1.2955% | 1,544 |
| Pretax return on assets | 1.6424% | 1,278 |
| Return on Equity (ROE) | 12.3000% | 2,051 |
| Retained earnings to average equity (ytd only) | 12.3003% | 923 |
| Net charge-offs to loans | 0.1247% | 653 |
| Credit loss provision to net charge-offs | 106.4695% | 1,572 |
| Earnings coverage of net charge-offs (x) | 18.2783% | 1,867 |
| Efficiency ratio | 58.1492% | 3,188 |
| Assets per employee ($millions) | 8.6849% | 1,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8358% | 3,907 |
| Loan loss allowance to noncurrent loans | 252.6972% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.2745% | 1,909 |
| Noncurrent loans to loans | 0.3308% | 2,047 |
| Net loans and leases to total assets | 75.1200% | 1,225 |
| Net loans and leases to deposits | 93.7961% | 913 |
| Net loans and leases to core deposits | 111.8463% | 803 |
| Total domestic deposits to total assets | 80.0800% | 3,518 |
| Equity capital to assets | 10.4990% | 1,557 |
| Core capital (leverage) ratio | 10.5284% | 2,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3933% | 2,480 |
| Memoranda: |
| Average total assets | $6,315,094,750 | 234 |
| Average earning assets | $5,843,241,750 | 227 |
| Average equity | $665,124,750 | 223 |
| Average total loans | $4,807,515,000 | 210 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7140% | 623 |
| Cost of funding earning assets | 1.8819% | 637 |
| Net interest margin | 3.8321% | 1,559 |
| Noninterest income to average assets | 0.6400% | 1,305 |
| Noninterest expense to average assets | 2.4867% | 2,241 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 1.2449% | 1,708 |
| Return on assets (ROA) | 1.2433% | 1,709 |
| Pretax return on assets | 1.5743% | 1,457 |
| Return on Equity (ROE) | 11.7900% | 2,219 |
| Retained earnings to average equity (ytd only) | 11.7920% | 1,028 |
| Net charge-offs to loans | 0.1157% | 619 |
| Credit loss provision to net charge-offs | 142.5725% | 1,227 |
| Earnings coverage of net charge-offs (x) | 19.2236% | 1,746 |
| Efficiency ratio | 58.6417% | 3,115 |
| Assets per employee ($millions) | 8.4804% | 1,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8576% | 3,881 |
| Loan loss allowance to noncurrent loans | 240.4315% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.2946% | 1,739 |
| Noncurrent loans to loans | 0.3567% | 1,857 |
| Net loans and leases to total assets | 75.0700% | 1,154 |
| Net loans and leases to deposits | 96.4411% | 708 |
| Net loans and leases to core deposits | 114.5517% | 667 |
| Total domestic deposits to total assets | 77.8400% | 3,863 |
| Equity capital to assets | 10.3940% | 1,637 |
| Core capital (leverage) ratio | 10.5082% | 2,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0585% | 2,611 |
| Memoranda: |
| Average total assets | $6,254,680,333 | 228 |
| Average earning assets | $5,776,040,333 | 229 |
| Average equity | $659,483,333 | 219 |
| Average total loans | $4,769,711,667 | 207 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6024% | 521 |
| Cost of funding earning assets | 1.7479% | 502 |
| Net interest margin | 3.8545% | 1,567 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 2.4588% | 2,351 |
| Loan and lease loss provision to assets | 0.2100% | 475 |
| Net operating income to assets | 1.1412% | 2,097 |
| Return on assets (ROA) | 1.1412% | 2,063 |
| Pretax return on assets | 1.4410% | 1,787 |
| Return on Equity (ROE) | 10.7400% | 2,563 |
| Retained earnings to average equity (ytd only) | 10.7426% | 1,529 |
| Net charge-offs to loans | 0.1849% | 391 |
| Credit loss provision to net charge-offs | 145.6092% | 962 |
| Earnings coverage of net charge-offs (x) | 11.6630% | 1,629 |
| Efficiency ratio | 58.9999% | 3,074 |
| Assets per employee ($millions) | 8.4830% | 1,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8708% | 3,927 |
| Loan loss allowance to noncurrent loans | 244.7630% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.2932% | 1,690 |
| Noncurrent loans to loans | 0.3558% | 1,868 |
| Net loans and leases to total assets | 75.6500% | 1,004 |
| Net loans and leases to deposits | 98.3899% | 518 |
| Net loans and leases to core deposits | 111.1653% | 666 |
| Total domestic deposits to total assets | 76.8900% | 4,090 |
| Equity capital to assets | 10.5556% | 1,541 |
| Core capital (leverage) ratio | 10.4296% | 2,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9240% | 2,747 |
| Memoranda: |
| Average total assets | $6,146,730,500 | 240 |
| Average earning assets | $5,666,558,500 | 238 |
| Average equity | $652,949,500 | 225 |
| Average total loans | $4,704,981,500 | 214 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6718% | 538 |
| Cost of funding earning assets | 0.6042% | 888 |
| Net interest margin | 4.0676% | 707 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 2.6243% | 1,760 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 1.1557% | 1,945 |
| Return on assets (ROA) | 1.1550% | 1,889 |
| Pretax return on assets | 1.4600% | 1,572 |
| Return on Equity (ROE) | 11.1500% | 2,423 |
| Retained earnings to average equity (ytd only) | 9.3943% | 1,361 |
| Net charge-offs to loans | 0.0453% | 1,233 |
| Credit loss provision to net charge-offs | 598.1319% | 604 |
| Earnings coverage of net charge-offs (x) | 50.0242% | 1,365 |
| Efficiency ratio | 60.3978% | 3,000 |
| Assets per employee ($millions) | 8.0850% | 1,277 |
| Cash dividends to net income (ytd only)* | 15.7796% | 3,044 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8288% | 3,965 |
| Loan loss allowance to noncurrent loans | 229.1184% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.3006% | 1,654 |
| Noncurrent loans to loans | 0.3617% | 1,840 |
| Net loans and leases to total assets | 76.1500% | 991 |
| Net loans and leases to deposits | 93.9781% | 783 |
| Net loans and leases to core deposits | 104.2820% | 816 |
| Total domestic deposits to total assets | 81.0300% | 3,750 |
| Equity capital to assets | 10.6931% | 1,378 |
| Core capital (leverage) ratio | 10.5473% | 2,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9065% | 2,756 |
| Memoranda: |
| Average total assets | $5,486,849,200 | 259 |
| Average earning assets | $5,045,958,400 | 254 |
| Average equity | $568,142,200 | 249 |
| Average total loans | $4,020,788,000 | 227 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3637% | 630 |
| Cost of funding earning assets | 0.3750% | 1,482 |
| Net interest margin | 3.9886% | 650 |
| Noninterest income to average assets | 0.5300% | 2,002 |
| Noninterest expense to average assets | 2.6559% | 1,579 |
| Loan and lease loss provision to assets | 0.1900% | 485 |
| Net operating income to assets | 1.0728% | 2,195 |
| Return on assets (ROA) | 1.0719% | 2,161 |
| Pretax return on assets | 1.3474% | 1,898 |
| Return on Equity (ROE) | 10.4500% | 2,592 |
| Retained earnings to average equity (ytd only) | 8.0220% | 1,991 |
| Net charge-offs to loans | 0.0601% | 884 |
| Credit loss provision to net charge-offs | 448.7400% | 654 |
| Earnings coverage of net charge-offs (x) | 35.5298% | 1,439 |
| Efficiency ratio | 62.3502% | 2,786 |
| Assets per employee ($millions) | 8.0298% | 1,307 |
| Cash dividends to net income (ytd only)* | 23.2126% | 2,336 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7945% | 4,104 |
| Loan loss allowance to noncurrent loans | 215.4680% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.2955% | 1,763 |
| Noncurrent loans to loans | 0.3687% | 1,919 |
| Net loans and leases to total assets | 75.6000% | 951 |
| Net loans and leases to deposits | 95.2286% | 588 |
| Net loans and leases to core deposits | 101.8456% | 753 |
| Total domestic deposits to total assets | 79.3900% | 4,151 |
| Equity capital to assets | 10.1010% | 1,569 |
| Core capital (leverage) ratio | 10.1146% | 2,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4289% | 2,964 |
| Memoranda: |
| Average total assets | $5,358,785,000 | 264 |
| Average earning assets | $4,930,212,250 | 260 |
| Average equity | $549,805,000 | 255 |
| Average total loans | $3,874,365,000 | 230 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0843% | 796 |
| Cost of funding earning assets | 0.2255% | 2,579 |
| Net interest margin | 3.8588% | 666 |
| Noninterest income to average assets | 0.5121% | 2,133 |
| Noninterest expense to average assets | 2.5913% | 1,660 |
| Loan and lease loss provision to assets | 0.1752% | 503 |
| Net operating income to assets | 1.0390% | 2,023 |
| Return on assets (ROA) | 1.0378% | 2,001 |
| Pretax return on assets | 1.3000% | 1,752 |
| Return on Equity (ROE) | 10.0571% | 2,313 |
| Retained earnings to average equity (ytd only) | 8.1961% | 1,547 |
| Net charge-offs to loans | 0.0736% | 724 |
| Credit loss provision to net charge-offs | 336.1828% | 756 |
| Earnings coverage of net charge-offs (x) | 28.3331% | 1,413 |
| Efficiency ratio | 62.7696% | 2,948 |
| Assets per employee ($millions) | 7.5155% | 1,602 |
| Cash dividends to net income (ytd only)* | 18.5048% | 2,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7857% | 4,194 |
| Loan loss allowance to noncurrent loans | 152.7413% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 0.4004% | 1,405 |
| Noncurrent loans to loans | 0.5144% | 1,593 |
| Net loans and leases to total assets | 73.7789% | 938 |
| Net loans and leases to deposits | 87.5368% | 873 |
| Net loans and leases to core deposits | 91.3541% | 1,046 |
| Total domestic deposits to total assets | 84.2833% | 3,630 |
| Equity capital to assets | 9.8989% | 1,766 |
| Core capital (leverage) ratio | 9.6132% | 2,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9676% | 3,019 |
| Memoranda: |
| Average total assets | $5,207,186,667 | 265 |
| Average earning assets | $4,798,463,667 | 264 |
| Average equity | $537,331,000 | 254 |
| Average total loans | $3,689,005,000 | 236 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7746% | 1,135 |
| Cost of funding earning assets | 0.2064% | 2,703 |
| Net interest margin | 3.5682% | 947 |
| Noninterest income to average assets | 0.4793% | 2,240 |
| Noninterest expense to average assets | 2.5535% | 1,740 |
| Loan and lease loss provision to assets | 0.1282% | 643 |
| Net operating income to assets | 0.8816% | 2,353 |
| Return on assets (ROA) | 0.8797% | 2,366 |
| Pretax return on assets | 1.0977% | 2,153 |
| Return on Equity (ROE) | 8.3386% | 2,572 |
| Retained earnings to average equity (ytd only) | 4.5808% | 2,746 |
| Net charge-offs to loans | 0.1707% | 349 |
| Credit loss provision to net charge-offs | 108.9623% | 969 |
| Earnings coverage of net charge-offs (x) | 10.4400% | 1,460 |
| Efficiency ratio | 66.5556% | 2,696 |
| Assets per employee ($millions) | 7.2939% | 1,801 |
| Cash dividends to net income (ytd only)* | 45.0653% | 1,377 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7772% | 4,280 |
| Loan loss allowance to noncurrent loans | 178.1928% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 0.3317% | 1,783 |
| Noncurrent loans to loans | 0.4362% | 1,936 |
| Net loans and leases to total assets | 69.6436% | 1,049 |
| Net loans and leases to deposits | 80.0980% | 1,140 |
| Net loans and leases to core deposits | 83.7929% | 1,251 |
| Total domestic deposits to total assets | 86.9481% | 2,947 |
| Equity capital to assets | 10.3451% | 1,663 |
| Core capital (leverage) ratio | 10.1395% | 2,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4893% | 2,982 |
| Memoranda: |
| Average total assets | $5,045,064,500 | 272 |
| Average earning assets | $4,669,628,500 | 271 |
| Average equity | $532,220,500 | 262 |
| Average total loans | $3,476,834,500 | 247 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2337% | 939 |
| Cost of funding earning assets | 0.3102% | 2,292 |
| Net interest margin | 3.9235% | 816 |
| Noninterest income to average assets | 0.8038% | 1,434 |
| Noninterest expense to average assets | 2.5538% | 2,013 |
| Loan and lease loss provision to assets | 0.1822% | 629 |
| Net operating income to assets | 1.3148% | 1,561 |
| Return on assets (ROA) | 1.3216% | 1,587 |
| Pretax return on assets | 1.6462% | 1,290 |
| Return on Equity (ROE) | 12.0027% | 1,819 |
| Retained earnings to average equity (ytd only) | 9.3300% | 1,090 |
| Net charge-offs to loans | 0.0316% | 1,607 |
| Credit loss provision to net charge-offs | 839.1032% | 587 |
| Earnings coverage of net charge-offs (x) | 83.8259% | 970 |
| Efficiency ratio | 57.5485% | 3,513 |
| Assets per employee ($millions) | 7.1762% | 1,807 |
| Cash dividends to net income (ytd only)* | 22.2671% | 2,929 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9124% | 4,029 |
| Loan loss allowance to noncurrent loans | 172.8741% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.3863% | 1,682 |
| Noncurrent loans to loans | 0.5278% | 1,810 |
| Net loans and leases to total assets | 66.8562% | 1,393 |
| Net loans and leases to deposits | 77.4822% | 1,449 |
| Net loans and leases to core deposits | 81.4474% | 1,493 |
| Total domestic deposits to total assets | 86.2859% | 2,807 |
| Equity capital to assets | 10.7808% | 1,946 |
| Core capital (leverage) ratio | 9.7288% | 2,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7058% | 2,952 |
| Memoranda: |
| Average total assets | $4,417,481,400 | 286 |
| Average earning assets | $4,019,263,200 | 284 |
| Average equity | $486,407,800 | 274 |
| Average total loans | $3,030,372,400 | 268 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3516% | 880 |
| Cost of funding earning assets | 0.3288% | 2,314 |
| Net interest margin | 4.0228% | 762 |
| Noninterest income to average assets | 0.8652% | 1,334 |
| Noninterest expense to average assets | 2.5614% | 1,951 |
| Loan and lease loss provision to assets | 0.2073% | 484 |
| Net operating income to assets | 1.3803% | 1,602 |
| Return on assets (ROA) | 1.3787% | 1,663 |
| Pretax return on assets | 1.7283% | 1,342 |
| Return on Equity (ROE) | 12.4498% | 1,886 |
| Retained earnings to average equity (ytd only) | 8.8430% | 1,754 |
| Net charge-offs to loans | 0.0279% | 1,493 |
| Credit loss provision to net charge-offs | 1,079.5200% | 495 |
| Earnings coverage of net charge-offs (x) | 100.9056% | 872 |
| Efficiency ratio | 56.1137% | 3,511 |
| Assets per employee ($millions) | 6.7987% | 2,016 |
| Cash dividends to net income (ytd only)* | 28.9713% | 2,124 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9175% | 4,107 |
| Loan loss allowance to noncurrent loans | 156.8022% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 0.4651% | 1,635 |
| Noncurrent loans to loans | 0.5851% | 1,850 |
| Net loans and leases to total assets | 68.9939% | 1,191 |
| Net loans and leases to deposits | 80.4768% | 1,242 |
| Net loans and leases to core deposits | 84.9480% | 1,356 |
| Total domestic deposits to total assets | 85.7314% | 2,856 |
| Equity capital to assets | 11.4230% | 1,724 |
| Core capital (leverage) ratio | 9.9358% | 2,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1256% | 2,939 |
| Memoranda: |
| Average total assets | $4,339,576,750 | 289 |
| Average earning assets | $3,919,983,750 | 289 |
| Average equity | $480,551,000 | 278 |
| Average total loans | $2,990,263,500 | 271 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4747% | 758 |
| Cost of funding earning assets | 0.3399% | 2,408 |
| Net interest margin | 4.1348% | 649 |
| Noninterest income to average assets | 1.0190% | 1,041 |
| Noninterest expense to average assets | 2.5483% | 2,006 |
| Loan and lease loss provision to assets | 0.2594% | 372 |
| Net operating income to assets | 1.5265% | 1,228 |
| Return on assets (ROA) | 1.5245% | 1,297 |
| Pretax return on assets | 1.9104% | 998 |
| Return on Equity (ROE) | 13.9159% | 1,437 |
| Retained earnings to average equity (ytd only) | 13.9159% | 559 |
| Net charge-offs to loans | 0.0622% | 995 |
| Credit loss provision to net charge-offs | 607.3753% | 618 |
| Earnings coverage of net charge-offs (x) | 50.8644% | 1,060 |
| Efficiency ratio | 53.2328% | 3,896 |
| Assets per employee ($millions) | 6.7421% | 1,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9347% | 4,050 |
| Loan loss allowance to noncurrent loans | 196.6419% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.4583% | 1,814 |
| Noncurrent loans to loans | 0.4753% | 2,249 |
| Net loans and leases to total assets | 65.3817% | 1,775 |
| Net loans and leases to deposits | 75.8443% | 1,837 |
| Net loans and leases to core deposits | 80.1550% | 1,877 |
| Total domestic deposits to total assets | 86.2051% | 2,662 |
| Equity capital to assets | 11.6764% | 1,535 |
| Core capital (leverage) ratio | 9.8395% | 2,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9005% | 2,747 |
| Memoranda: |
| Average total assets | $4,317,572,667 | 288 |
| Average earning assets | $3,865,298,333 | 291 |
| Average equity | $472,985,000 | 281 |
| Average total loans | $2,964,440,000 | 275 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6253% | 631 |
| Cost of funding earning assets | 0.3452% | 2,566 |
| Net interest margin | 4.2801% | 533 |
| Noninterest income to average assets | 0.4439% | 2,853 |
| Noninterest expense to average assets | 2.3897% | 2,522 |
| Loan and lease loss provision to assets | 0.3116% | 288 |
| Net operating income to assets | 1.2378% | 2,015 |
| Return on assets (ROA) | 1.2374% | 2,102 |
| Pretax return on assets | 1.5362% | 1,896 |
| Return on Equity (ROE) | 11.6819% | 2,133 |
| Retained earnings to average equity (ytd only) | 11.6819% | 1,232 |
| Net charge-offs to loans | 0.0175% | 1,399 |
| Credit loss provision to net charge-offs | 2,544.6970% | 204 |
| Earnings coverage of net charge-offs (x) | 150.9470% | 488 |
| Efficiency ratio | 55.6701% | 3,578 |
| Assets per employee ($millions) | 7.2479% | 1,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8295% | 4,346 |
| Loan loss allowance to noncurrent loans | 158.0756% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.5662% | 1,671 |
| Noncurrent loans to loans | 0.5247% | 2,283 |
| Net loans and leases to total assets | 67.8403% | 1,552 |
| Net loans and leases to deposits | 77.9470% | 1,719 |
| Net loans and leases to core deposits | 82.4343% | 1,810 |
| Total domestic deposits to total assets | 87.0339% | 2,302 |
| Equity capital to assets | 10.8134% | 1,998 |
| Core capital (leverage) ratio | 9.7886% | 2,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3920% | 2,531 |
| Memoranda: |
| Average total assets | $4,312,130,000 | 290 |
| Average earning assets | $3,822,568,500 | 291 |
| Average equity | $456,773,500 | 285 |
| Average total loans | $3,018,300,000 | 270 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9361% | 560 |
| Cost of funding earning assets | 0.6525% | 1,978 |
| Net interest margin | 4.2837% | 527 |
| Noninterest income to average assets | 0.6460% | 2,042 |
| Noninterest expense to average assets | 2.8566% | 1,799 |
| Loan and lease loss provision to assets | 0.3432% | 1,019 |
| Net operating income to assets | 1.0815% | 1,984 |
| Return on assets (ROA) | 1.0848% | 2,104 |
| Pretax return on assets | 1.3457% | 1,834 |
| Return on Equity (ROE) | 9.6954% | 2,121 |
| Retained earnings to average equity (ytd only) | 3.1784% | 3,243 |
| Net charge-offs to loans | 0.0611% | 1,903 |
| Credit loss provision to net charge-offs | 744.9511% | 961 |
| Earnings coverage of net charge-offs (x) | 36.5713% | 1,455 |
| Efficiency ratio | 62.1267% | 3,104 |
| Assets per employee ($millions) | 7.0747% | 1,531 |
| Cash dividends to net income (ytd only)* | 67.2172% | 1,066 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7360% | 4,532 |
| Loan loss allowance to noncurrent loans | 145.0570% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 0.5887% | 1,789 |
| Noncurrent loans to loans | 0.5074% | 2,451 |
| Net loans and leases to total assets | 71.1608% | 1,405 |
| Net loans and leases to deposits | 81.7827% | 1,679 |
| Net loans and leases to core deposits | 87.1205% | 1,784 |
| Total domestic deposits to total assets | 87.0121% | 1,942 |
| Equity capital to assets | 10.3576% | 2,793 |
| Core capital (leverage) ratio | 9.2381% | 3,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $3,331,805,600 | 319 |
| Average earning assets | $3,029,928,800 | 317 |
| Average equity | $372,795,000 | 310 |
| Average total loans | $2,510,700,200 | 298 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9422% | 677 |
| Cost of funding earning assets | 0.7334% | 1,839 |
| Net interest margin | 4.2088% | 715 |
| Noninterest income to average assets | 0.5085% | 2,580 |
| Noninterest expense to average assets | 2.8274% | 1,895 |
| Loan and lease loss provision to assets | 0.3973% | 894 |
| Net operating income to assets | 0.9014% | 2,704 |
| Return on assets (ROA) | 0.9056% | 2,810 |
| Pretax return on assets | 1.1173% | 2,685 |
| Return on Equity (ROE) | 7.8971% | 2,843 |
| Retained earnings to average equity (ytd only) | -1.1533% | 4,630 |
| Net charge-offs to loans | 0.0605% | 1,737 |
| Credit loss provision to net charge-offs | 857.2350% | 931 |
| Earnings coverage of net charge-offs (x) | 32.5696% | 1,517 |
| Efficiency ratio | 64.3628% | 2,676 |
| Assets per employee ($millions) | 6.9171% | 1,556 |
| Cash dividends to net income (ytd only)* | 114.6045% | 205 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6597% | 4,644 |
| Loan loss allowance to noncurrent loans | 156.6664% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 0.6144% | 1,892 |
| Noncurrent loans to loans | 0.4211% | 2,798 |
| Net loans and leases to total assets | 77.4108% | 911 |
| Net loans and leases to deposits | 94.0817% | 918 |
| Net loans and leases to core deposits | 101.7228% | 1,044 |
| Total domestic deposits to total assets | 82.2803% | 3,347 |
| Equity capital to assets | 10.5399% | 2,757 |
| Core capital (leverage) ratio | 9.1319% | 3,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $3,121,240,500 | 325 |
| Average earning assets | $2,839,071,500 | 321 |
| Average equity | $357,911,000 | 317 |
| Average total loans | $2,390,294,250 | 299 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8755% | 1,014 |
| Cost of funding earning assets | 0.8309% | 1,674 |
| Net interest margin | 4.0446% | 1,234 |
| Noninterest income to average assets | 0.5402% | 2,394 |
| Noninterest expense to average assets | 2.8743% | 1,900 |
| Loan and lease loss provision to assets | 0.4791% | 770 |
| Net operating income to assets | 0.6858% | 3,445 |
| Return on assets (ROA) | 0.6872% | 3,540 |
| Pretax return on assets | 0.8554% | 3,443 |
| Return on Equity (ROE) | 5.7763% | 3,588 |
| Retained earnings to average equity (ytd only) | 5.7763% | 2,166 |
| Net charge-offs to loans | 0.0203% | 2,319 |
| Credit loss provision to net charge-offs | 3,109.5890% | 347 |
| Earnings coverage of net charge-offs (x) | 86.5023% | 767 |
| Efficiency ratio | 67.4593% | 2,313 |
| Assets per employee ($millions) | 6.5859% | 1,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6248% | 4,707 |
| Loan loss allowance to noncurrent loans | 81.9037% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 0.7767% | 1,600 |
| Noncurrent loans to loans | 0.7629% | 1,975 |
| Net loans and leases to total assets | 75.0764% | 1,268 |
| Net loans and leases to deposits | 91.2819% | 1,234 |
| Net loans and leases to core deposits | 99.9067% | 1,261 |
| Total domestic deposits to total assets | 82.2468% | 3,303 |
| Equity capital to assets | 10.5567% | 2,704 |
| Core capital (leverage) ratio | 10.1196% | 2,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $2,842,800,000 | 340 |
| Average earning assets | $2,577,299,333 | 342 |
| Average equity | $338,209,333 | 331 |
| Average total loans | $2,159,344,000 | 318 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0351% | 901 |
| Cost of funding earning assets | 1.0374% | 1,270 |
| Net interest margin | 3.9977% | 1,400 |
| Noninterest income to average assets | 0.4645% | 2,730 |
| Noninterest expense to average assets | 2.6244% | 2,907 |
| Loan and lease loss provision to assets | 0.2396% | 1,297 |
| Net operating income to assets | 0.9807% | 2,244 |
| Return on assets (ROA) | 0.9843% | 2,333 |
| Pretax return on assets | 1.2188% | 2,129 |
| Return on Equity (ROE) | 7.5358% | 2,722 |
| Retained earnings to average equity (ytd only) | 7.5358% | 1,368 |
| Net charge-offs to loans | 0.0395% | 1,644 |
| Credit loss provision to net charge-offs | 794.7674% | 667 |
| Earnings coverage of net charge-offs (x) | 48.2267% | 920 |
| Efficiency ratio | 63.3929% | 3,313 |
| Assets per employee ($millions) | 6.2376% | 1,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7515% | 4,517 |
| Loan loss allowance to noncurrent loans | 131.4159% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.5861% | 2,247 |
| Noncurrent loans to loans | 0.5719% | 2,565 |
| Net loans and leases to total assets | 76.8356% | 1,162 |
| Net loans and leases to deposits | 96.8921% | 831 |
| Net loans and leases to core deposits | 106.4839% | 1,027 |
| Total domestic deposits to total assets | 79.3002% | 3,994 |
| Equity capital to assets | 12.9287% | 1,465 |
| Core capital (leverage) ratio | 10.9121% | 2,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $2,281,850,000 | 403 |
| Average earning assets | $2,062,807,000 | 402 |
| Average equity | $298,044,000 | 360 |
| Average total loans | $1,741,382,000 | 372 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2541% | 898 |
| Cost of funding earning assets | 1.0953% | 1,346 |
| Net interest margin | 4.1588% | 1,399 |
| Noninterest income to average assets | 0.4569% | 2,965 |
| Noninterest expense to average assets | 2.5601% | 3,288 |
| Loan and lease loss provision to assets | 0.1201% | 1,770 |
| Net operating income to assets | 1.2296% | 1,951 |
| Return on assets (ROA) | 1.2335% | 2,021 |
| Pretax return on assets | 1.5497% | 1,655 |
| Return on Equity (ROE) | 9.3938% | 2,570 |
| Retained earnings to average equity (ytd only) | 9.3938% | 618 |
| Net charge-offs to loans | 0.1042% | 1,687 |
| Credit loss provision to net charge-offs | 153.1140% | 1,667 |
| Earnings coverage of net charge-offs (x) | 21.2297% | 1,897 |
| Efficiency ratio | 59.6070% | 3,751 |
| Assets per employee ($millions) | 6.4070% | 1,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7088% | 4,558 |
| Loan loss allowance to noncurrent loans | 133.9817% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 0.5753% | 2,165 |
| Noncurrent loans to loans | 0.5290% | 2,595 |
| Net loans and leases to total assets | 74.6713% | 1,633 |
| Net loans and leases to deposits | 94.9185% | 1,059 |
| Net loans and leases to core deposits | 103.8277% | 1,241 |
| Total domestic deposits to total assets | 78.6689% | 4,248 |
| Equity capital to assets | 13.1951% | 1,417 |
| Core capital (leverage) ratio | 11.2674% | 2,277 |
| Tier 1 risk-based capital ratio | 12.1882% | 4,251 |
| Total risk-based capital ratio | 12.8034% | 4,482 |
| Memoranda: |
| Average total assets | $2,170,269,000 | 399 |
| Average earning assets | $1,966,427,200 | 403 |
| Average equity | $284,974,000 | 358 |
| Average total loans | $1,632,795,400 | 383 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2527% | 942 |
| Cost of funding earning assets | 1.0917% | 1,387 |
| Net interest margin | 4.1610% | 1,471 |
| Noninterest income to average assets | 0.5443% | 2,494 |
| Noninterest expense to average assets | 2.6110% | 3,136 |
| Loan and lease loss provision to assets | 0.1501% | 1,264 |
| Net operating income to assets | 1.2559% | 1,998 |
| Return on assets (ROA) | 1.2600% | 2,067 |
| Pretax return on assets | 1.5673% | 1,752 |
| Return on Equity (ROE) | 9.6085% | 2,618 |
| Retained earnings to average equity (ytd only) | 9.6085% | 863 |
| Net charge-offs to loans | 0.1276% | 1,239 |
| Credit loss provision to net charge-offs | 156.3472% | 1,585 |
| Earnings coverage of net charge-offs (x) | 17.8342% | 2,075 |
| Efficiency ratio | 59.4123% | 3,747 |
| Assets per employee ($millions) | 6.4241% | 1,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7133% | 4,625 |
| Loan loss allowance to noncurrent loans | 101.9909% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 0.6380% | 2,089 |
| Noncurrent loans to loans | 0.6994% | 2,206 |
| Net loans and leases to total assets | 75.7126% | 1,531 |
| Net loans and leases to deposits | 96.5514% | 950 |
| Net loans and leases to core deposits | 108.0635% | 1,054 |
| Total domestic deposits to total assets | 78.4169% | 4,283 |
| Equity capital to assets | 13.2134% | 1,507 |
| Core capital (leverage) ratio | 11.2348% | 2,440 |
| Tier 1 risk-based capital ratio | 12.2015% | 4,309 |
| Total risk-based capital ratio | 12.8276% | 4,532 |
| Memoranda: |
| Average total assets | $2,144,213,750 | 404 |
| Average earning assets | $1,947,309,000 | 407 |
| Average equity | $281,187,000 | 362 |
| Average total loans | $1,613,365,250 | 388 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2562% | 885 |
| Cost of funding earning assets | 1.0725% | 1,411 |
| Net interest margin | 4.1837% | 1,402 |
| Noninterest income to average assets | 0.6364% | 1,990 |
| Noninterest expense to average assets | 2.6115% | 3,171 |
| Loan and lease loss provision to assets | 0.1827% | 977 |
| Net operating income to assets | 1.3172% | 1,713 |
| Return on assets (ROA) | 1.3216% | 1,749 |
| Pretax return on assets | 1.6453% | 1,412 |
| Return on Equity (ROE) | 10.1048% | 2,341 |
| Retained earnings to average equity (ytd only) | 10.1048% | 722 |
| Net charge-offs to loans | 0.1957% | 848 |
| Credit loss provision to net charge-offs | 124.6778% | 1,698 |
| Earnings coverage of net charge-offs (x) | 12.4362% | 2,156 |
| Efficiency ratio | 57.9168% | 4,025 |
| Assets per employee ($millions) | 6.1914% | 1,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7062% | 4,705 |
| Loan loss allowance to noncurrent loans | 114.9950% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 0.5762% | 2,284 |
| Noncurrent loans to loans | 0.6141% | 2,420 |
| Net loans and leases to total assets | 75.7180% | 1,592 |
| Net loans and leases to deposits | 95.0530% | 1,146 |
| Net loans and leases to core deposits | 105.3362% | 1,285 |
| Total domestic deposits to total assets | 79.6588% | 4,101 |
| Equity capital to assets | 13.3173% | 1,428 |
| Core capital (leverage) ratio | 11.2062% | 2,415 |
| Tier 1 risk-based capital ratio | 12.2459% | 4,269 |
| Total risk-based capital ratio | 12.8665% | 4,517 |
| Memoranda: |
| Average total assets | $2,118,039,000 | 408 |
| Average earning assets | $1,922,568,330 | 410 |
| Average equity | $277,016,330 | 367 |
| Average total loans | $1,586,159,330 | 395 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1821% | 941 |
| Cost of funding earning assets | 1.0595% | 1,341 |
| Net interest margin | 4.1226% | 1,492 |
| Noninterest income to average assets | 0.5149% | 2,470 |
| Noninterest expense to average assets | 2.6037% | 3,209 |
| Loan and lease loss provision to assets | 0.1206% | 1,452 |
| Net operating income to assets | 1.2262% | 1,961 |
| Return on assets (ROA) | 1.2262% | 2,008 |
| Pretax return on assets | 1.5211% | 1,698 |
| Return on Equity (ROE) | 9.4642% | 2,604 |
| Retained earnings to average equity (ytd only) | 9.4642% | 1,177 |
| Net charge-offs to loans | 0.0090% | 2,374 |
| Credit loss provision to net charge-offs | 1,808.5714% | 235 |
| Earnings coverage of net charge-offs (x) | 246.2286% | 326 |
| Efficiency ratio | 60.2979% | 3,766 |
| Assets per employee ($millions) | 6.0746% | 1,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7447% | 4,669 |
| Loan loss allowance to noncurrent loans | 89.1252% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 0.7110% | 1,976 |
| Noncurrent loans to loans | 0.8356% | 1,966 |
| Net loans and leases to total assets | 74.9406% | 1,652 |
| Net loans and leases to deposits | 89.5019% | 1,690 |
| Net loans and leases to core deposits | 98.7696% | 1,724 |
| Total domestic deposits to total assets | 83.7306% | 3,136 |
| Equity capital to assets | 13.1717% | 1,360 |
| Core capital (leverage) ratio | 10.8313% | 2,738 |
| Tier 1 risk-based capital ratio | 12.0700% | 4,419 |
| Total risk-based capital ratio | 12.7188% | 4,655 |
| Memoranda: |
| Average total assets | $2,099,763,500 | 412 |
| Average earning assets | $1,900,066,000 | 414 |
| Average equity | $272,058,000 | 374 |
| Average total loans | $1,557,731,000 | 401 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0380% | 962 |
| Cost of funding earning assets | 0.9063% | 1,063 |
| Net interest margin | 4.1318% | 1,585 |
| Noninterest income to average assets | 0.4758% | 2,968 |
| Noninterest expense to average assets | 2.8433% | 2,541 |
| Loan and lease loss provision to assets | 0.1443% | 1,488 |
| Net operating income to assets | 1.0218% | 2,924 |
| Return on assets (ROA) | 1.0221% | 2,909 |
| Pretax return on assets | 1.2577% | 2,667 |
| Return on Equity (ROE) | 8.8321% | 3,077 |
| Retained earnings to average equity (ytd only) | 8.8321% | 927 |
| Net charge-offs to loans | -0.0052% | 4,360 |
| Credit loss provision to net charge-offs | -3,676.9231% | 4,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1884% | 2,842 |
| Assets per employee ($millions) | 6.2994% | 1,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7340% | 4,724 |
| Loan loss allowance to noncurrent loans | 82.7007% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 0.7378% | 1,886 |
| Noncurrent loans to loans | 0.8876% | 1,818 |
| Net loans and leases to total assets | 72.3318% | 2,202 |
| Net loans and leases to deposits | 86.6716% | 2,194 |
| Net loans and leases to core deposits | 95.4483% | 2,103 |
| Total domestic deposits to total assets | 83.4550% | 3,171 |
| Equity capital to assets | 12.7411% | 1,465 |
| Core capital (leverage) ratio | 12.0770% | 1,681 |
| Tier 1 risk-based capital ratio | 12.2557% | 4,260 |
| Total risk-based capital ratio | 12.9008% | 4,531 |
| Memoranda: |
| Average total assets | $1,656,725,600 | 494 |
| Average earning assets | $1,511,263,200 | 493 |
| Average equity | $191,731,600 | 465 |
| Average total loans | $1,245,575,800 | 465 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1310% | 714 |
| Cost of funding earning assets | 0.8811% | 999 |
| Net interest margin | 4.2499% | 1,234 |
| Noninterest income to average assets | 0.4643% | 3,072 |
| Noninterest expense to average assets | 2.8844% | 2,352 |
| Loan and lease loss provision to assets | 0.1251% | 1,606 |
| Net operating income to assets | 1.0992% | 2,671 |
| Return on assets (ROA) | 1.0992% | 2,691 |
| Pretax return on assets | 1.3526% | 2,415 |
| Return on Equity (ROE) | 9.8350% | 2,694 |
| Retained earnings to average equity (ytd only) | 9.8350% | 973 |
| Net charge-offs to loans | -0.0065% | 4,284 |
| Credit loss provision to net charge-offs | -2,545.6140% | 4,783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3451% | 2,979 |
| Assets per employee ($millions) | 6.6427% | 1,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7913% | 4,650 |
| Loan loss allowance to noncurrent loans | 88.5833% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 0.7986% | 1,850 |
| Noncurrent loans to loans | 0.8933% | 1,909 |
| Net loans and leases to total assets | 76.6370% | 1,562 |
| Net loans and leases to deposits | 93.9211% | 1,388 |
| Net loans and leases to core deposits | 104.5466% | 1,416 |
| Total domestic deposits to total assets | 81.5972% | 3,709 |
| Equity capital to assets | 11.8708% | 1,989 |
| Core capital (leverage) ratio | 10.2932% | 3,297 |
| Tier 1 risk-based capital ratio | 11.4405% | 4,828 |
| Total risk-based capital ratio | 12.1396% | 4,993 |
| Memoranda: |
| Average total assets | $1,546,480,750 | 528 |
| Average earning assets | $1,418,374,500 | 519 |
| Average equity | $172,847,000 | 500 |
| Average total loans | $1,174,838,000 | 489 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1201% | 638 |
| Cost of funding earning assets | 0.8310% | 999 |
| Net interest margin | 4.2891% | 1,055 |
| Noninterest income to average assets | 0.5073% | 2,817 |
| Noninterest expense to average assets | 2.9385% | 2,236 |
| Loan and lease loss provision to assets | 0.1263% | 1,569 |
| Net operating income to assets | 1.1207% | 2,516 |
| Return on assets (ROA) | 1.1207% | 2,516 |
| Pretax return on assets | 1.3782% | 2,228 |
| Return on Equity (ROE) | 10.2646% | 2,442 |
| Retained earnings to average equity (ytd only) | 10.2646% | 850 |
| Net charge-offs to loans | -0.0076% | 4,219 |
| Credit loss provision to net charge-offs | -2,204.6512% | 4,655 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3498% | 3,093 |
| Assets per employee ($millions) | 6.8485% | 993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7906% | 4,725 |
| Loan loss allowance to noncurrent loans | 69.6161% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 0.9262% | 1,628 |
| Noncurrent loans to loans | 1.1356% | 1,545 |
| Net loans and leases to total assets | 74.1764% | 1,921 |
| Net loans and leases to deposits | 90.9709% | 1,712 |
| Net loans and leases to core deposits | 101.3500% | 1,621 |
| Total domestic deposits to total assets | 81.5386% | 3,859 |
| Equity capital to assets | 11.8731% | 1,942 |
| Core capital (leverage) ratio | 10.2923% | 3,244 |
| Tier 1 risk-based capital ratio | 11.4238% | 4,826 |
| Total risk-based capital ratio | 12.1048% | 5,018 |
| Memoranda: |
| Average total assets | $1,501,772,330 | 539 |
| Average earning assets | $1,378,060,000 | 532 |
| Average equity | $163,962,000 | 525 |
| Average total loans | $1,133,704,330 | 503 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2452% | 449 |
| Cost of funding earning assets | 0.8128% | 903 |
| Net interest margin | 4.4324% | 714 |
| Noninterest income to average assets | 0.5092% | 2,751 |
| Noninterest expense to average assets | 3.0747% | 1,888 |
| Loan and lease loss provision to assets | 0.1328% | 1,421 |
| Net operating income to assets | 1.1215% | 2,327 |
| Return on assets (ROA) | 1.1215% | 2,346 |
| Pretax return on assets | 1.3756% | 2,082 |
| Return on Equity (ROE) | 10.8191% | 2,039 |
| Retained earnings to average equity (ytd only) | 10.8191% | 936 |
| Net charge-offs to loans | -0.1506% | 5,316 |
| Credit loss provision to net charge-offs | -116.1765% | 3,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2855% | 3,109 |
| Assets per employee ($millions) | 6.7378% | 1,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8096% | 4,767 |
| Loan loss allowance to noncurrent loans | 63.7018% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 1.0330% | 1,521 |
| Noncurrent loans to loans | 1.2709% | 1,415 |
| Net loans and leases to total assets | 74.3304% | 1,807 |
| Net loans and leases to deposits | 90.0033% | 1,691 |
| Net loans and leases to core deposits | 107.4292% | 1,157 |
| Total domestic deposits to total assets | 82.5862% | 3,792 |
| Equity capital to assets | 11.1152% | 2,468 |
| Core capital (leverage) ratio | 9.1659% | 4,481 |
| Tier 1 risk-based capital ratio | 10.3354% | 5,406 |
| Total risk-based capital ratio | 11.0297% | 5,499 |
| Memoranda: |
| Average total assets | $1,427,413,000 | 563 |
| Average earning assets | $1,311,976,500 | 562 |
| Average equity | $147,961,000 | 570 |
| Average total loans | $1,083,541,000 | 522 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7626% | 1,051 |
| Cost of funding earning assets | 0.6500% | 1,292 |
| Net interest margin | 4.1126% | 1,394 |
| Noninterest income to average assets | 0.4881% | 3,074 |
| Noninterest expense to average assets | 3.0774% | 1,930 |
| Loan and lease loss provision to assets | 0.3582% | 436 |
| Net operating income to assets | 0.4870% | 4,408 |
| Return on assets (ROA) | 0.4887% | 4,436 |
| Pretax return on assets | 0.8158% | 4,206 |
| Return on Equity (ROE) | 4.8404% | 4,226 |
| Retained earnings to average equity (ytd only) | 1.8323% | 4,219 |
| Net charge-offs to loans | 0.4080% | 616 |
| Credit loss provision to net charge-offs | 116.5933% | 2,239 |
| Earnings coverage of net charge-offs (x) | 3.8129% | 3,551 |
| Efficiency ratio | 71.8805% | 2,245 |
| Assets per employee ($millions) | 5.7749% | 1,682 |
| Cash dividends to net income (ytd only)* | 62.1453% | 1,653 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8985% | 4,477 |
| Loan loss allowance to noncurrent loans | 69.1955% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 1.0195% | 1,502 |
| Noncurrent loans to loans | 1.2985% | 1,347 |
| Net loans and leases to total assets | 76.4390% | 1,518 |
| Net loans and leases to deposits | 90.9355% | 1,661 |
| Net loans and leases to core deposits | 107.6986% | 1,154 |
| Total domestic deposits to total assets | 84.0584% | 3,184 |
| Equity capital to assets | 9.4233% | 4,302 |
| Core capital (leverage) ratio | 8.7806% | 4,878 |
| Tier 1 risk-based capital ratio | 9.4973% | 5,603 |
| Total risk-based capital ratio | 10.2403% | 5,625 |
| Memoranda: |
| Average total assets | $1,182,843,000 | 633 |
| Average earning assets | $1,081,614,800 | 631 |
| Average equity | $119,412,800 | 689 |
| Average total loans | $890,683,000 | 595 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7608% | 1,002 |
| Cost of funding earning assets | 0.6260% | 1,376 |
| Net interest margin | 4.1348% | 1,308 |
| Noninterest income to average assets | 0.4869% | 3,105 |
| Noninterest expense to average assets | 3.0811% | 1,853 |
| Loan and lease loss provision to assets | 0.2187% | 848 |
| Net operating income to assets | 0.6890% | 4,030 |
| Return on assets (ROA) | 0.6916% | 4,090 |
| Pretax return on assets | 0.9632% | 3,827 |
| Return on Equity (ROE) | 6.7283% | 3,798 |
| Retained earnings to average equity (ytd only) | 4.4093% | 3,274 |
| Net charge-offs to loans | 0.1270% | 1,515 |
| Credit loss provision to net charge-offs | 230.3140% | 1,213 |
| Earnings coverage of net charge-offs (x) | 12.4070% | 2,428 |
| Efficiency ratio | 71.7779% | 2,232 |
| Assets per employee ($millions) | 5.3715% | 2,045 |
| Cash dividends to net income (ytd only)* | 34.4668% | 2,546 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9851% | 4,152 |
| Loan loss allowance to noncurrent loans | 68.6400% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 1.1310% | 1,459 |
| Noncurrent loans to loans | 1.4351% | 1,304 |
| Net loans and leases to total assets | 76.5155% | 1,494 |
| Net loans and leases to deposits | 91.3843% | 1,638 |
| Net loans and leases to core deposits | 107.9952% | 1,139 |
| Total domestic deposits to total assets | 83.7293% | 3,220 |
| Equity capital to assets | 10.0433% | 3,865 |
| Core capital (leverage) ratio | 9.6342% | 4,004 |
| Tier 1 risk-based capital ratio | 10.0055% | 5,600 |
| Total risk-based capital ratio | 10.8205% | 5,642 |
| Memoranda: |
| Average total assets | $1,162,380,000 | 643 |
| Average earning assets | $1,060,530,250 | 642 |
| Average equity | $119,472,000 | 691 |
| Average total loans | $869,482,500 | 604 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8900% | 709 |
| Cost of funding earning assets | 0.6056% | 1,405 |
| Net interest margin | 4.2844% | 901 |
| Noninterest income to average assets | 0.5271% | 2,847 |
| Noninterest expense to average assets | 3.1127% | 1,808 |
| Loan and lease loss provision to assets | 0.2899% | 540 |
| Net operating income to assets | 0.7290% | 3,714 |
| Return on assets (ROA) | 0.7290% | 3,777 |
| Pretax return on assets | 1.0190% | 3,488 |
| Return on Equity (ROE) | 7.0355% | 3,535 |
| Retained earnings to average equity (ytd only) | 5.3567% | 2,494 |
| Net charge-offs to loans | 0.1524% | 1,240 |
| Credit loss provision to net charge-offs | 257.3643% | 1,060 |
| Earnings coverage of net charge-offs (x) | 11.6202% | 2,260 |
| Efficiency ratio | 69.8515% | 2,695 |
| Assets per employee ($millions) | 5.4883% | 1,884 |
| Cash dividends to net income (ytd only)* | 23.8620% | 2,983 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0492% | 3,854 |
| Loan loss allowance to noncurrent loans | 82.2312% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 1.0596% | 1,652 |
| Noncurrent loans to loans | 1.2759% | 1,514 |
| Net loans and leases to total assets | 74.0368% | 1,858 |
| Net loans and leases to deposits | 88.9681% | 1,869 |
| Net loans and leases to core deposits | 106.4185% | 1,199 |
| Total domestic deposits to total assets | 83.2172% | 3,497 |
| Equity capital to assets | 10.3711% | 3,489 |
| Core capital (leverage) ratio | 9.6785% | 3,923 |
| Tier 1 risk-based capital ratio | 10.2951% | 5,543 |
| Total risk-based capital ratio | 11.1340% | 5,618 |
| Memoranda: |
| Average total assets | $1,145,186,670 | 655 |
| Average earning assets | $1,040,989,000 | 656 |
| Average equity | $118,655,330 | 699 |
| Average total loans | $846,607,330 | 621 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6924% | 953 |
| Cost of funding earning assets | 0.5826% | 1,500 |
| Net interest margin | 4.1098% | 1,196 |
| Noninterest income to average assets | 0.4853% | 3,071 |
| Noninterest expense to average assets | 3.1159% | 1,822 |
| Loan and lease loss provision to assets | 0.1253% | 1,533 |
| Net operating income to assets | 0.7013% | 3,694 |
| Return on assets (ROA) | 0.7013% | 3,735 |
| Pretax return on assets | 0.9742% | 3,483 |
| Return on Equity (ROE) | 6.7721% | 3,510 |
| Retained earnings to average equity (ytd only) | 5.2521% | 2,754 |
| Net charge-offs to loans | 0.1605% | 1,011 |
| Credit loss provision to net charge-offs | 106.2874% | 1,508 |
| Earnings coverage of net charge-offs (x) | 9.3263% | 1,998 |
| Efficiency ratio | 73.3400% | 2,350 |
| Assets per employee ($millions) | 5.5304% | 1,862 |
| Cash dividends to net income (ytd only)* | 22.4459% | 2,477 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9582% | 4,507 |
| Loan loss allowance to noncurrent loans | 65.2240% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 1.2010% | 1,469 |
| Noncurrent loans to loans | 1.4691% | 1,369 |
| Net loans and leases to total assets | 72.8297% | 1,940 |
| Net loans and leases to deposits | 87.5104% | 1,860 |
| Net loans and leases to core deposits | 104.4230% | 1,199 |
| Total domestic deposits to total assets | 83.2241% | 3,759 |
| Equity capital to assets | 10.2202% | 3,494 |
| Core capital (leverage) ratio | 9.8491% | 3,692 |
| Tier 1 risk-based capital ratio | 10.5907% | 5,505 |
| Total risk-based capital ratio | 11.3722% | 5,622 |
| Memoranda: |
| Average total assets | $1,133,276,000 | 666 |
| Average earning assets | $1,028,559,500 | 670 |
| Average equity | $117,363,500 | 700 |
| Average total loans | $832,574,500 | 632 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2214% | 2,416 |
| Cost of funding earning assets | 0.5487% | 1,703 |
| Net interest margin | 3.6727% | 2,807 |
| Noninterest income to average assets | 0.4780% | 3,358 |
| Noninterest expense to average assets | 3.0100% | 2,322 |
| Loan and lease loss provision to assets | 0.1086% | 2,240 |
| Net operating income to assets | 0.5255% | 4,527 |
| Return on assets (ROA) | 0.5408% | 4,568 |
| Pretax return on assets | 0.7286% | 4,393 |
| Return on Equity (ROE) | 5.2357% | 4,309 |
| Retained earnings to average equity (ytd only) | 3.7116% | 3,271 |
| Net charge-offs to loans | 0.0379% | 3,267 |
| Credit loss provision to net charge-offs | 403.9735% | 787 |
| Earnings coverage of net charge-offs (x) | 30.3841% | 1,421 |
| Efficiency ratio | 78.0196% | 1,692 |
| Assets per employee ($millions) | 5.3133% | 2,045 |
| Cash dividends to net income (ytd only)* | 29.1098% | 3,357 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0062% | 4,286 |
| Loan loss allowance to noncurrent loans | 111.9002% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 0.7674% | 2,434 |
| Noncurrent loans to loans | 0.8992% | 2,300 |
| Net loans and leases to total assets | 72.6560% | 2,072 |
| Net loans and leases to deposits | 86.0550% | 2,158 |
| Net loans and leases to core deposits | 105.6037% | 1,157 |
| Total domestic deposits to total assets | 84.4297% | 3,261 |
| Equity capital to assets | 10.4990% | 3,159 |
| Core capital (leverage) ratio | 9.9069% | 3,614 |
| Tier 1 risk-based capital ratio | 11.0682% | 5,303 |
| Total risk-based capital ratio | 11.8914% | 5,431 |
| Memoranda: |
| Average total assets | $1,123,774,200 | 639 |
| Average earning assets | $1,024,594,200 | 643 |
| Average equity | $116,067,800 | 691 |
| Average total loans | $796,500,000 | 628 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2128% | 2,470 |
| Cost of funding earning assets | 0.5369% | 1,817 |
| Net interest margin | 3.6759% | 2,810 |
| Noninterest income to average assets | 0.4661% | 3,452 |
| Noninterest expense to average assets | 3.0500% | 2,168 |
| Loan and lease loss provision to assets | 0.1087% | 2,114 |
| Net operating income to assets | 0.4934% | 4,722 |
| Return on assets (ROA) | 0.5139% | 4,745 |
| Pretax return on assets | 0.6880% | 4,642 |
| Return on Equity (ROE) | 4.9954% | 4,521 |
| Retained earnings to average equity (ytd only) | 4.9954% | 2,833 |
| Net charge-offs to loans | 0.0703% | 2,310 |
| Credit loss provision to net charge-offs | 220.0957% | 1,338 |
| Earnings coverage of net charge-offs (x) | 15.5789% | 2,174 |
| Efficiency ratio | 79.2142% | 1,529 |
| Assets per employee ($millions) | 5.4842% | 1,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9542% | 4,644 |
| Loan loss allowance to noncurrent loans | 123.2066% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 0.7102% | 2,785 |
| Noncurrent loans to loans | 0.7745% | 2,736 |
| Net loans and leases to total assets | 72.5756% | 2,098 |
| Net loans and leases to deposits | 86.3192% | 2,231 |
| Net loans and leases to core deposits | 105.2090% | 1,261 |
| Total domestic deposits to total assets | 84.0782% | 3,192 |
| Equity capital to assets | 10.6791% | 3,374 |
| Core capital (leverage) ratio | 9.6749% | 3,968 |
| Tier 1 risk-based capital ratio | 10.9020% | 5,426 |
| Total risk-based capital ratio | 11.6822% | 5,572 |
| Memoranda: |
| Average total assets | $1,128,426,500 | 635 |
| Average earning assets | $1,029,377,250 | 642 |
| Average equity | $116,077,000 | 688 |
| Average total loans | $792,842,250 | 631 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1130% | 2,808 |
| Cost of funding earning assets | 0.5150% | 1,982 |
| Net interest margin | 3.5981% | 3,107 |
| Noninterest income to average assets | 0.4522% | 3,507 |
| Noninterest expense to average assets | 2.9686% | 2,451 |
| Loan and lease loss provision to assets | 0.1445% | 1,586 |
| Net operating income to assets | 0.4627% | 4,830 |
| Return on assets (ROA) | 0.4933% | 4,803 |
| Pretax return on assets | 0.6541% | 4,752 |
| Return on Equity (ROE) | 4.8554% | 4,574 |
| Retained earnings to average equity (ytd only) | 4.8554% | 2,816 |
| Net charge-offs to loans | 0.1739% | 1,301 |
| Credit loss provision to net charge-offs | 119.8830% | 1,873 |
| Earnings coverage of net charge-offs (x) | 6.2895% | 2,761 |
| Efficiency ratio | 79.0101% | 1,635 |
| Assets per employee ($millions) | 5.5421% | 1,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9250% | 4,869 |
| Loan loss allowance to noncurrent loans | 80.7793% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 0.9409% | 2,271 |
| Noncurrent loans to loans | 1.1451% | 2,007 |
| Net loans and leases to total assets | 67.2781% | 2,897 |
| Net loans and leases to deposits | 79.0449% | 3,050 |
| Net loans and leases to core deposits | 94.3882% | 2,127 |
| Total domestic deposits to total assets | 85.1137% | 2,822 |
| Equity capital to assets | 9.9477% | 4,294 |
| Core capital (leverage) ratio | 9.2879% | 4,471 |
| Tier 1 risk-based capital ratio | 10.8160% | 5,519 |
| Total risk-based capital ratio | 11.5639% | 5,668 |
| Memoranda: |
| Average total assets | $1,135,297,670 | 637 |
| Average earning assets | $1,033,107,670 | 639 |
| Average equity | $115,334,670 | 691 |
| Average total loans | $786,540,330 | 635 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1944% | 2,497 |
| Cost of funding earning assets | 0.4847% | 2,233 |
| Net interest margin | 3.7097% | 2,630 |
| Noninterest income to average assets | 0.4439% | 3,524 |
| Noninterest expense to average assets | 2.9218% | 2,626 |
| Loan and lease loss provision to assets | 0.2403% | 753 |
| Net operating income to assets | 0.5174% | 4,552 |
| Return on assets (ROA) | 0.5651% | 4,448 |
| Pretax return on assets | 0.7394% | 4,393 |
| Return on Equity (ROE) | 5.5026% | 4,225 |
| Retained earnings to average equity (ytd only) | 5.5026% | 2,647 |
| Net charge-offs to loans | 0.3586% | 621 |
| Credit loss provision to net charge-offs | 95.7143% | 1,710 |
| Earnings coverage of net charge-offs (x) | 3.6529% | 2,514 |
| Efficiency ratio | 75.4694% | 2,260 |
| Assets per employee ($millions) | 5.7771% | 1,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9139% | 5,010 |
| Loan loss allowance to noncurrent loans | 79.3532% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 0.9981% | 2,215 |
| Noncurrent loans to loans | 1.1517% | 2,103 |
| Net loans and leases to total assets | 67.6951% | 2,691 |
| Net loans and leases to deposits | 79.9162% | 2,797 |
| Net loans and leases to core deposits | 94.3330% | 1,959 |
| Total domestic deposits to total assets | 84.7076% | 3,237 |
| Equity capital to assets | 10.0276% | 4,042 |
| Core capital (leverage) ratio | 9.7481% | 3,848 |
| Tier 1 risk-based capital ratio | 10.9193% | 5,540 |
| Total risk-based capital ratio | 11.6607% | 5,712 |
| Memoranda: |
| Average total assets | $1,115,482,000 | 649 |
| Average earning assets | $1,020,783,000 | 645 |
| Average equity | $114,563,000 | 696 |
| Average total loans | $780,885,500 | 638 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4265% | 1,813 |
| Cost of funding earning assets | 0.5003% | 2,151 |
| Net interest margin | 3.9262% | 1,942 |
| Noninterest income to average assets | 0.3600% | 4,324 |
| Noninterest expense to average assets | 3.1310% | 2,144 |
| Loan and lease loss provision to assets | 0.1285% | 1,875 |
| Net operating income to assets | 0.5429% | 4,530 |
| Return on assets (ROA) | 0.5418% | 4,628 |
| Pretax return on assets | 0.7559% | 4,348 |
| Return on Equity (ROE) | 5.1558% | 4,429 |
| Retained earnings to average equity (ytd only) | 5.1558% | 2,310 |
| Net charge-offs to loans | 0.0868% | 2,585 |
| Credit loss provision to net charge-offs | 204.0816% | 1,370 |
| Earnings coverage of net charge-offs (x) | 14.0680% | 2,323 |
| Efficiency ratio | 77.3917% | 2,064 |
| Assets per employee ($millions) | 5.8453% | 1,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9379% | 4,928 |
| Loan loss allowance to noncurrent loans | 91.0050% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 0.9291% | 2,339 |
| Noncurrent loans to loans | 1.0306% | 2,273 |
| Net loans and leases to total assets | 71.1408% | 2,178 |
| Net loans and leases to deposits | 84.5024% | 2,306 |
| Net loans and leases to core deposits | 97.7272% | 1,692 |
| Total domestic deposits to total assets | 84.1879% | 3,407 |
| Equity capital to assets | 10.5310% | 3,325 |
| Core capital (leverage) ratio | 10.1710% | 3,295 |
| Tier 1 risk-based capital ratio | 11.4060% | 5,311 |
| Total risk-based capital ratio | 12.1669% | 5,476 |
| Memoranda: |
| Average total assets | $933,637,800 | 739 |
| Average earning assets | $869,620,600 | 727 |
| Average equity | $98,103,400 | 783 |
| Average total loans | $677,717,400 | 695 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4388% | 1,784 |
| Cost of funding earning assets | 0.5152% | 2,080 |
| Net interest margin | 3.9235% | 1,955 |
| Noninterest income to average assets | 0.3440% | 4,471 |
| Noninterest expense to average assets | 3.1033% | 2,213 |
| Loan and lease loss provision to assets | 0.0668% | 2,845 |
| Net operating income to assets | 0.6044% | 4,364 |
| Return on assets (ROA) | 0.6046% | 4,465 |
| Pretax return on assets | 0.8310% | 4,240 |
| Return on Equity (ROE) | 5.7580% | 4,272 |
| Retained earnings to average equity (ytd only) | 5.7580% | 2,396 |
| Net charge-offs to loans | -0.0181% | 5,171 |
| Credit loss provision to net charge-offs | -505.6180% | 5,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0547% | 2,083 |
| Assets per employee ($millions) | 5.6744% | 1,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9621% | 4,930 |
| Loan loss allowance to noncurrent loans | 93.2025% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 1.0790% | 2,204 |
| Noncurrent loans to loans | 1.0323% | 2,410 |
| Net loans and leases to total assets | 69.1955% | 2,507 |
| Net loans and leases to deposits | 85.2402% | 2,245 |
| Net loans and leases to core deposits | 100.0323% | 1,515 |
| Total domestic deposits to total assets | 81.1771% | 4,428 |
| Equity capital to assets | 10.5569% | 3,536 |
| Core capital (leverage) ratio | 10.0620% | 3,544 |
| Tier 1 risk-based capital ratio | 11.2864% | 5,495 |
| Total risk-based capital ratio | 12.0404% | 5,690 |
| Memoranda: |
| Average total assets | $898,162,250 | 774 |
| Average earning assets | $837,118,250 | 759 |
| Average equity | $94,313,000 | 816 |
| Average total loans | $654,048,750 | 722 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2681% | 2,290 |
| Cost of funding earning assets | 0.5379% | 1,921 |
| Net interest margin | 3.7302% | 2,579 |
| Noninterest income to average assets | 0.3642% | 4,336 |
| Noninterest expense to average assets | 2.8277% | 3,140 |
| Loan and lease loss provision to assets | 0.0713% | 2,690 |
| Net operating income to assets | 0.6855% | 3,957 |
| Return on assets (ROA) | 0.6855% | 4,071 |
| Pretax return on assets | 0.9511% | 3,770 |
| Return on Equity (ROE) | 6.5434% | 3,855 |
| Retained earnings to average equity (ytd only) | 6.5434% | 1,927 |
| Net charge-offs to loans | -0.0375% | 5,422 |
| Credit loss provision to net charge-offs | -256.4103% | 5,077 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4452% | 2,761 |
| Assets per employee ($millions) | 6.0741% | 1,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9618% | 5,054 |
| Loan loss allowance to noncurrent loans | 85.4631% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 1.0629% | 2,382 |
| Noncurrent loans to loans | 1.1254% | 2,398 |
| Net loans and leases to total assets | 65.6576% | 3,013 |
| Net loans and leases to deposits | 78.3088% | 2,989 |
| Net loans and leases to core deposits | 92.2622% | 2,132 |
| Total domestic deposits to total assets | 83.8445% | 3,638 |
| Equity capital to assets | 9.9676% | 4,077 |
| Core capital (leverage) ratio | 9.5166% | 4,262 |
| Tier 1 risk-based capital ratio | 11.5647% | 5,422 |
| Total risk-based capital ratio | 12.3286% | 5,594 |
| Memoranda: |
| Average total assets | $841,953,330 | 834 |
| Average earning assets | $786,812,670 | 811 |
| Average equity | $88,210,670 | 875 |
| Average total loans | $623,618,000 | 757 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2075% | 2,427 |
| Cost of funding earning assets | 0.5474% | 1,871 |
| Net interest margin | 3.6601% | 2,775 |
| Noninterest income to average assets | 0.3171% | 4,652 |
| Noninterest expense to average assets | 2.6506% | 3,747 |
| Loan and lease loss provision to assets | 0.0845% | 2,286 |
| Net operating income to assets | 0.7283% | 3,652 |
| Return on assets (ROA) | 0.7283% | 3,790 |
| Pretax return on assets | 1.0166% | 3,430 |
| Return on Equity (ROE) | 6.6977% | 3,655 |
| Retained earnings to average equity (ytd only) | 6.6977% | 2,147 |
| Net charge-offs to loans | -0.0302% | 5,256 |
| Credit loss provision to net charge-offs | -348.8372% | 4,742 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6501% | 3,373 |
| Assets per employee ($millions) | 7.9910% | 550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1776% | 4,097 |
| Loan loss allowance to noncurrent loans | 267.7521% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.7489% | 3,246 |
| Noncurrent loans to loans | 0.4398% | 4,279 |
| Net loans and leases to total assets | 77.9076% | 942 |
| Net loans and leases to deposits | 91.2414% | 1,262 |
| Net loans and leases to core deposits | 111.0895% | 700 |
| Total domestic deposits to total assets | 85.3863% | 3,229 |
| Equity capital to assets | 10.6205% | 3,400 |
| Core capital (leverage) ratio | 10.8196% | 2,600 |
| Tier 1 risk-based capital ratio | 11.3408% | 5,634 |
| Total risk-based capital ratio | 12.3293% | 5,688 |
| Memoranda: |
| Average total assets | $710,184,500 | 975 |
| Average earning assets | $666,432,000 | 967 |
| Average equity | $77,220,500 | 991 |
| Average total loans | $568,983,000 | 822 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2375% | 2,824 |
| Cost of funding earning assets | 0.5932% | 1,824 |
| Net interest margin | 3.6443% | 3,241 |
| Noninterest income to average assets | 0.2742% | 5,156 |
| Noninterest expense to average assets | 2.6490% | 4,057 |
| Loan and lease loss provision to assets | 0.1018% | 2,455 |
| Net operating income to assets | 0.6899% | 3,948 |
| Return on assets (ROA) | 0.6913% | 4,052 |
| Pretax return on assets | 0.9436% | 3,719 |
| Return on Equity (ROE) | 6.5075% | 3,896 |
| Retained earnings to average equity (ytd only) | 6.5075% | 1,635 |
| Net charge-offs to loans | 0.0205% | 4,436 |
| Credit loss provision to net charge-offs | 630.6306% | 422 |
| Earnings coverage of net charge-offs (x) | 64.6396% | 749 |
| Efficiency ratio | 71.7397% | 3,247 |
| Assets per employee ($millions) | 7.7863% | 581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1877% | 4,080 |
| Loan loss allowance to noncurrent loans | 218.6614% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.8846% | 2,994 |
| Noncurrent loans to loans | 0.5432% | 4,031 |
| Net loans and leases to total assets | 80.5249% | 666 |
| Net loans and leases to deposits | 93.4619% | 1,133 |
| Net loans and leases to core deposits | 113.2484% | 636 |
| Total domestic deposits to total assets | 86.1580% | 2,748 |
| Equity capital to assets | 11.1445% | 2,756 |
| Core capital (leverage) ratio | 10.8685% | 2,534 |
| Tier 1 risk-based capital ratio | 11.9353% | 5,409 |
| Total risk-based capital ratio | 12.9632% | 5,446 |
| Memoranda: |
| Average total assets | $687,570,600 | 973 |
| Average earning assets | $644,952,000 | 952 |
| Average equity | $73,038,400 | 999 |
| Average total loans | $541,156,400 | 812 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2390% | 2,842 |
| Cost of funding earning assets | 0.5981% | 1,852 |
| Net interest margin | 3.6409% | 3,267 |
| Noninterest income to average assets | 0.2867% | 5,151 |
| Noninterest expense to average assets | 2.6398% | 4,052 |
| Loan and lease loss provision to assets | 0.1356% | 1,838 |
| Net operating income to assets | 0.6794% | 4,051 |
| Return on assets (ROA) | 0.6802% | 4,131 |
| Pretax return on assets | 0.9257% | 3,880 |
| Return on Equity (ROE) | 6.4830% | 3,981 |
| Retained earnings to average equity (ytd only) | 6.4830% | 2,116 |
| Net charge-offs to loans | 0.0219% | 4,078 |
| Credit loss provision to net charge-offs | 795.4545% | 394 |
| Earnings coverage of net charge-offs (x) | 62.1821% | 841 |
| Efficiency ratio | 71.3463% | 3,289 |
| Assets per employee ($millions) | 7.6508% | 595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2299% | 4,071 |
| Loan loss allowance to noncurrent loans | 239.1304% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.7539% | 3,553 |
| Noncurrent loans to loans | 0.5143% | 4,392 |
| Net loans and leases to total assets | 76.7618% | 1,131 |
| Net loans and leases to deposits | 88.7656% | 1,581 |
| Net loans and leases to core deposits | 108.8412% | 809 |
| Total domestic deposits to total assets | 86.4770% | 2,599 |
| Equity capital to assets | 10.7338% | 3,252 |
| Core capital (leverage) ratio | 10.7665% | 2,732 |
| Tier 1 risk-based capital ratio | 12.3596% | 5,263 |
| Total risk-based capital ratio | 13.4453% | 5,289 |
| Memoranda: |
| Average total assets | $688,164,000 | 980 |
| Average earning assets | $645,131,250 | 962 |
| Average equity | $72,207,500 | 1,011 |
| Average total loans | $536,849,000 | 822 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2477% | 2,774 |
| Cost of funding earning assets | 0.5933% | 1,953 |
| Net interest margin | 3.6544% | 3,124 |
| Noninterest income to average assets | 0.2448% | 5,447 |
| Noninterest expense to average assets | 2.6475% | 4,064 |
| Loan and lease loss provision to assets | 0.0875% | 2,568 |
| Net operating income to assets | 0.6925% | 3,883 |
| Return on assets (ROA) | 0.6938% | 3,967 |
| Pretax return on assets | 0.9442% | 3,705 |
| Return on Equity (ROE) | 6.6642% | 3,793 |
| Retained earnings to average equity (ytd only) | 6.6642% | 1,943 |
| Net charge-offs to loans | 0.0415% | 3,402 |
| Credit loss provision to net charge-offs | 270.2703% | 934 |
| Earnings coverage of net charge-offs (x) | 31.8018% | 1,205 |
| Efficiency ratio | 71.9930% | 3,343 |
| Assets per employee ($millions) | 7.5061% | 626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1598% | 4,623 |
| Loan loss allowance to noncurrent loans | 195.8517% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.6023% | 4,175 |
| Noncurrent loans to loans | 0.5922% | 4,249 |
| Net loans and leases to total assets | 77.7575% | 939 |
| Net loans and leases to deposits | 89.9055% | 1,379 |
| Net loans and leases to core deposits | 114.4525% | 520 |
| Total domestic deposits to total assets | 86.4880% | 2,768 |
| Equity capital to assets | 10.7371% | 3,161 |
| Core capital (leverage) ratio | 10.8731% | 2,554 |
| Tier 1 risk-based capital ratio | 12.1228% | 5,471 |
| Total risk-based capital ratio | 13.1351% | 5,526 |
| Memoranda: |
| Average total assets | $685,479,000 | 985 |
| Average earning assets | $643,874,330 | 963 |
| Average equity | $71,366,330 | 1,019 |
| Average total loans | $535,437,000 | 816 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2662% | 2,650 |
| Cost of funding earning assets | 0.5881% | 2,087 |
| Net interest margin | 3.6782% | 2,954 |
| Noninterest income to average assets | 0.2575% | 5,293 |
| Noninterest expense to average assets | 2.6492% | 4,115 |
| Loan and lease loss provision to assets | 0.0874% | 2,460 |
| Net operating income to assets | 0.7209% | 3,582 |
| Return on assets (ROA) | 0.7235% | 3,655 |
| Pretax return on assets | 0.9856% | 3,383 |
| Return on Equity (ROE) | 7.0589% | 3,448 |
| Retained earnings to average equity (ytd only) | 7.0589% | 2,020 |
| Net charge-offs to loans | 0.0950% | 2,213 |
| Credit loss provision to net charge-offs | 118.1102% | 1,475 |
| Earnings coverage of net charge-offs (x) | 14.4567% | 1,608 |
| Efficiency ratio | 71.2406% | 3,622 |
| Assets per employee ($millions) | 7.8431% | 524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1383% | 4,932 |
| Loan loss allowance to noncurrent loans | 185.9025% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.7047% | 3,996 |
| Noncurrent loans to loans | 0.6123% | 4,327 |
| Net loans and leases to total assets | 76.3323% | 961 |
| Net loans and leases to deposits | 87.8420% | 1,374 |
| Net loans and leases to core deposits | 114.9820% | 429 |
| Total domestic deposits to total assets | 86.8972% | 2,872 |
| Equity capital to assets | 10.3672% | 3,375 |
| Core capital (leverage) ratio | 10.5974% | 2,810 |
| Tier 1 risk-based capital ratio | 11.9435% | 5,676 |
| Total risk-based capital ratio | 12.9293% | 5,768 |
| Memoranda: |
| Average total assets | $686,692,000 | 992 |
| Average earning assets | $646,189,000 | 963 |
| Average equity | $70,379,500 | 1,034 |
| Average total loans | $534,477,000 | 821 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4904% | 2,247 |
| Cost of funding earning assets | 0.7125% | 1,726 |
| Net interest margin | 3.7778% | 2,733 |
| Noninterest income to average assets | 0.7119% | 2,470 |
| Noninterest expense to average assets | 3.2383% | 2,315 |
| Loan and lease loss provision to assets | 0.1095% | 2,975 |
| Net operating income to assets | 0.7100% | 3,752 |
| Return on assets (ROA) | 0.7601% | 3,592 |
| Pretax return on assets | 0.9798% | 3,432 |
| Return on Equity (ROE) | 7.6196% | 3,236 |
| Retained earnings to average equity (ytd only) | 7.6196% | 1,182 |
| Net charge-offs to loans | 0.1218% | 3,595 |
| Credit loss provision to net charge-offs | 126.6442% | 1,865 |
| Earnings coverage of net charge-offs (x) | 11.7116% | 2,210 |
| Efficiency ratio | 75.5076% | 2,857 |
| Assets per employee ($millions) | 7.8527% | 507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1273% | 5,014 |
| Loan loss allowance to noncurrent loans | 275.1821% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.5482% | 4,584 |
| Noncurrent loans to loans | 0.4097% | 4,982 |
| Net loans and leases to total assets | 77.5779% | 875 |
| Net loans and leases to deposits | 88.9543% | 1,356 |
| Net loans and leases to core deposits | 115.8631% | 426 |
| Total domestic deposits to total assets | 87.2110% | 2,619 |
| Equity capital to assets | 10.1297% | 3,589 |
| Core capital (leverage) ratio | 10.4591% | 2,957 |
| Tier 1 risk-based capital ratio | 11.7120% | 5,799 |
| Total risk-based capital ratio | 12.6916% | 5,878 |
| Memoranda: |
| Average total assets | $685,875,000 | 969 |
| Average earning assets | $642,508,600 | 945 |
| Average equity | $68,415,600 | 1,044 |
| Average total loans | $486,736,600 | 873 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5107% | 2,183 |
| Cost of funding earning assets | 0.7378% | 1,681 |
| Net interest margin | 3.7729% | 2,737 |
| Noninterest income to average assets | 0.5725% | 3,313 |
| Noninterest expense to average assets | 3.0247% | 2,904 |
| Loan and lease loss provision to assets | 0.0816% | 3,428 |
| Net operating income to assets | 0.7776% | 3,473 |
| Return on assets (ROA) | 0.7945% | 3,507 |
| Pretax return on assets | 1.0203% | 3,419 |
| Return on Equity (ROE) | 7.9957% | 3,124 |
| Retained earnings to average equity (ytd only) | 7.9957% | 1,409 |
| Net charge-offs to loans | 0.1116% | 3,426 |
| Credit loss provision to net charge-offs | 105.7935% | 2,209 |
| Earnings coverage of net charge-offs (x) | 13.9975% | 1,976 |
| Efficiency ratio | 73.4195% | 3,154 |
| Assets per employee ($millions) | 6.8285% | 805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1987% | 4,869 |
| Loan loss allowance to noncurrent loans | 256.4236% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.6010% | 4,635 |
| Noncurrent loans to loans | 0.4675% | 5,022 |
| Net loans and leases to total assets | 71.3118% | 1,726 |
| Net loans and leases to deposits | 85.5257% | 1,668 |
| Net loans and leases to core deposits | 114.8616% | 424 |
| Total domestic deposits to total assets | 83.3805% | 4,426 |
| Equity capital to assets | 9.9961% | 3,905 |
| Core capital (leverage) ratio | 10.2541% | 3,317 |
| Tier 1 risk-based capital ratio | 11.8914% | 5,845 |
| Total risk-based capital ratio | 12.8862% | 5,952 |
| Memoranda: |
| Average total assets | $686,547,000 | 979 |
| Average earning assets | $642,598,250 | 951 |
| Average equity | $68,218,250 | 1,053 |
| Average total loans | $474,409,500 | 896 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3768% | 2,649 |
| Cost of funding earning assets | 0.7356% | 1,801 |
| Net interest margin | 3.6413% | 3,204 |
| Noninterest income to average assets | 0.4533% | 4,142 |
| Noninterest expense to average assets | 3.0402% | 2,875 |
| Loan and lease loss provision to assets | 0.1047% | 3,042 |
| Net operating income to assets | 0.5810% | 4,397 |
| Return on assets (ROA) | 0.6331% | 4,292 |
| Pretax return on assets | 0.7752% | 4,409 |
| Return on Equity (ROE) | 6.3837% | 3,943 |
| Retained earnings to average equity (ytd only) | 6.3837% | 2,212 |
| Net charge-offs to loans | 0.2806% | 2,080 |
| Credit loss provision to net charge-offs | 54.7945% | 3,122 |
| Earnings coverage of net charge-offs (x) | 4.3014% | 3,169 |
| Efficiency ratio | 78.3299% | 2,404 |
| Assets per employee ($millions) | 6.5822% | 870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1659% | 5,171 |
| Loan loss allowance to noncurrent loans | 134.1657% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 0.7735% | 4,289 |
| Noncurrent loans to loans | 0.8690% | 4,186 |
| Net loans and leases to total assets | 67.8920% | 2,262 |
| Net loans and leases to deposits | 83.9140% | 1,814 |
| Net loans and leases to core deposits | 109.9857% | 563 |
| Total domestic deposits to total assets | 80.9066% | 5,368 |
| Equity capital to assets | 9.5162% | 4,558 |
| Core capital (leverage) ratio | 9.8208% | 3,770 |
| Tier 1 risk-based capital ratio | 11.7117% | 5,986 |
| Total risk-based capital ratio | 12.6758% | 6,111 |
| Memoranda: |
| Average total assets | $687,780,000 | 970 |
| Average earning assets | $643,842,670 | 946 |
| Average equity | $68,205,000 | 1,058 |
| Average total loans | $468,259,670 | 907 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3937% | 2,545 |
| Cost of funding earning assets | 0.7423% | 1,906 |
| Net interest margin | 3.6514% | 3,067 |
| Noninterest income to average assets | 0.4230% | 4,295 |
| Noninterest expense to average assets | 3.1042% | 2,658 |
| Loan and lease loss provision to assets | 0.1054% | 2,925 |
| Net operating income to assets | 0.5160% | 4,580 |
| Return on assets (ROA) | 0.5940% | 4,396 |
| Pretax return on assets | 0.7211% | 4,481 |
| Return on Equity (ROE) | 5.8689% | 4,119 |
| Retained earnings to average equity (ytd only) | 5.8689% | 2,750 |
| Net charge-offs to loans | 0.8471% | 712 |
| Credit loss provision to net charge-offs | 18.3673% | 3,061 |
| Earnings coverage of net charge-offs (x) | 1.2929% | 3,399 |
| Efficiency ratio | 80.2467% | 2,294 |
| Assets per employee ($millions) | 6.3778% | 1,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0929% | 5,632 |
| Loan loss allowance to noncurrent loans | 74.9889% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 1.0394% | 3,859 |
| Noncurrent loans to loans | 1.4575% | 3,380 |
| Net loans and leases to total assets | 67.4332% | 2,117 |
| Net loans and leases to deposits | 81.3465% | 1,919 |
| Net loans and leases to core deposits | 100.5293% | 918 |
| Total domestic deposits to total assets | 82.8962% | 4,892 |
| Equity capital to assets | 10.1452% | 3,964 |
| Core capital (leverage) ratio | 9.8975% | 3,534 |
| Tier 1 risk-based capital ratio | 11.8917% | 5,980 |
| Total risk-based capital ratio | 12.7813% | 6,141 |
| Memoranda: |
| Average total assets | $682,813,000 | 985 |
| Average earning assets | $640,185,000 | 959 |
| Average equity | $69,109,500 | 1,053 |
| Average total loans | $462,749,500 | 919 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5858% | 3,059 |
| Cost of funding earning assets | 0.8681% | 2,156 |
| Net interest margin | 3.7177% | 3,570 |
| Noninterest income to average assets | 0.5591% | 3,513 |
| Noninterest expense to average assets | 3.0462% | 3,109 |
| Loan and lease loss provision to assets | 0.3534% | 1,891 |
| Net operating income to assets | 0.5027% | 4,683 |
| Return on assets (ROA) | 0.5757% | 4,615 |
| Pretax return on assets | 0.7115% | 4,631 |
| Return on Equity (ROE) | 5.7378% | 4,282 |
| Retained earnings to average equity (ytd only) | 5.7378% | 2,225 |
| Net charge-offs to loans | 0.8438% | 1,368 |
| Credit loss provision to net charge-offs | 61.7833% | 4,398 |
| Earnings coverage of net charge-offs (x) | 1.7099% | 4,581 |
| Efficiency ratio | 75.2496% | 2,865 |
| Assets per employee ($millions) | 6.3260% | 1,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2787% | 4,743 |
| Loan loss allowance to noncurrent loans | 69.3495% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 1.2960% | 3,487 |
| Noncurrent loans to loans | 1.8438% | 2,867 |
| Net loans and leases to total assets | 66.5029% | 2,452 |
| Net loans and leases to deposits | 79.9674% | 2,286 |
| Net loans and leases to core deposits | 97.4429% | 1,188 |
| Total domestic deposits to total assets | 83.1624% | 4,650 |
| Equity capital to assets | 10.0974% | 4,039 |
| Core capital (leverage) ratio | 9.8445% | 3,612 |
| Tier 1 risk-based capital ratio | 11.6509% | 5,996 |
| Total risk-based capital ratio | 12.6740% | 6,122 |
| Memoranda: |
| Average total assets | $664,631,000 | 991 |
| Average earning assets | $619,496,800 | 969 |
| Average equity | $66,680,200 | 1,059 |
| Average total loans | $450,583,000 | 917 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6509% | 3,011 |
| Cost of funding earning assets | 0.8760% | 2,346 |
| Net interest margin | 3.7749% | 3,441 |
| Noninterest income to average assets | 0.5061% | 3,887 |
| Noninterest expense to average assets | 3.0982% | 2,899 |
| Loan and lease loss provision to assets | 0.3004% | 2,196 |
| Net operating income to assets | 0.4985% | 4,848 |
| Return on assets (ROA) | 0.5598% | 4,834 |
| Pretax return on assets | 0.6897% | 4,896 |
| Return on Equity (ROE) | 5.5890% | 4,540 |
| Retained earnings to average equity (ytd only) | 5.5890% | 2,968 |
| Net charge-offs to loans | 1.0915% | 940 |
| Credit loss provision to net charge-offs | 40.5288% | 4,605 |
| Earnings coverage of net charge-offs (x) | 1.2431% | 4,667 |
| Efficiency ratio | 76.6296% | 2,579 |
| Assets per employee ($millions) | 6.4867% | 961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1373% | 5,569 |
| Loan loss allowance to noncurrent loans | 45.9782% | 5,339 |
| Noncurrent assets plus other real estate owned to assets | 1.7307% | 3,013 |
| Noncurrent loans to loans | 2.4735% | 2,324 |
| Net loans and leases to total assets | 65.1846% | 2,803 |
| Net loans and leases to deposits | 78.5389% | 2,594 |
| Net loans and leases to core deposits | 97.7086% | 1,285 |
| Total domestic deposits to total assets | 82.9966% | 4,640 |
| Equity capital to assets | 9.9640% | 4,545 |
| Core capital (leverage) ratio | 9.9980% | 3,548 |
| Tier 1 risk-based capital ratio | 12.4245% | 5,692 |
| Total risk-based capital ratio | 13.3966% | 5,830 |
| Memoranda: |
| Average total assets | $659,987,500 | 1,004 |
| Average earning assets | $614,286,750 | 987 |
| Average equity | $66,103,750 | 1,075 |
| Average total loans | $448,169,750 | 924 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7432% | 2,744 |
| Cost of funding earning assets | 0.9008% | 2,391 |
| Net interest margin | 3.8424% | 3,169 |
| Noninterest income to average assets | 0.5317% | 3,716 |
| Noninterest expense to average assets | 3.1424% | 2,772 |
| Loan and lease loss provision to assets | 0.4017% | 1,632 |
| Net operating income to assets | 0.4543% | 5,020 |
| Return on assets (ROA) | 0.5424% | 4,896 |
| Pretax return on assets | 0.6635% | 4,931 |
| Return on Equity (ROE) | 5.4057% | 4,625 |
| Retained earnings to average equity (ytd only) | 5.4057% | 3,042 |
| Net charge-offs to loans | 1.0949% | 994 |
| Credit loss provision to net charge-offs | 53.4779% | 3,967 |
| Earnings coverage of net charge-offs (x) | 1.2803% | 4,366 |
| Efficiency ratio | 76.1270% | 2,721 |
| Assets per employee ($millions) | 6.4468% | 989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3599% | 4,618 |
| Loan loss allowance to noncurrent loans | 42.8483% | 5,511 |
| Noncurrent assets plus other real estate owned to assets | 2.4820% | 2,250 |
| Noncurrent loans to loans | 3.1737% | 1,838 |
| Net loans and leases to total assets | 69.7702% | 1,961 |
| Net loans and leases to deposits | 84.5256% | 1,785 |
| Net loans and leases to core deposits | 108.9382% | 620 |
| Total domestic deposits to total assets | 82.5433% | 4,936 |
| Equity capital to assets | 10.3223% | 3,909 |
| Core capital (leverage) ratio | 9.9183% | 3,533 |
| Tier 1 risk-based capital ratio | 12.1762% | 5,817 |
| Total risk-based capital ratio | 13.3386% | 5,854 |
| Memoranda: |
| Average total assets | $650,786,000 | 1,018 |
| Average earning assets | $605,037,000 | 997 |
| Average equity | $65,301,000 | 1,080 |
| Average total loans | $446,439,670 | 932 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7611% | 2,803 |
| Cost of funding earning assets | 0.9103% | 2,606 |
| Net interest margin | 3.8508% | 3,137 |
| Noninterest income to average assets | 0.5488% | 3,570 |
| Noninterest expense to average assets | 3.0913% | 2,943 |
| Loan and lease loss provision to assets | 0.4172% | 1,510 |
| Net operating income to assets | 0.4888% | 4,878 |
| Return on assets (ROA) | 0.5127% | 4,979 |
| Pretax return on assets | 0.6295% | 5,017 |
| Return on Equity (ROE) | 5.1826% | 4,700 |
| Retained earnings to average equity (ytd only) | 5.1826% | 3,452 |
| Net charge-offs to loans | 0.8441% | 1,214 |
| Credit loss provision to net charge-offs | 73.1760% | 2,857 |
| Earnings coverage of net charge-offs (x) | 1.7908% | 3,443 |
| Efficiency ratio | 74.7248% | 2,989 |
| Assets per employee ($millions) | 6.1635% | 1,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6056% | 3,699 |
| Loan loss allowance to noncurrent loans | 59.3933% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 2.0970% | 2,779 |
| Noncurrent loans to loans | 2.7033% | 2,416 |
| Net loans and leases to total assets | 66.4870% | 2,377 |
| Net loans and leases to deposits | 80.0088% | 2,199 |
| Net loans and leases to core deposits | 102.2720% | 852 |
| Total domestic deposits to total assets | 83.0996% | 4,886 |
| Equity capital to assets | 9.9739% | 4,153 |
| Core capital (leverage) ratio | 9.8756% | 3,534 |
| Tier 1 risk-based capital ratio | 12.2550% | 5,792 |
| Total risk-based capital ratio | 13.5063% | 5,761 |
| Memoranda: |
| Average total assets | $653,838,000 | 1,009 |
| Average earning assets | $605,076,000 | 995 |
| Average equity | $64,678,500 | 1,088 |
| Average total loans | $441,661,000 | 940 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7330% | 4,110 |
| Cost of funding earning assets | 1.1225% | 2,521 |
| Net interest margin | 3.6105% | 4,690 |
| Noninterest income to average assets | 0.3995% | 4,618 |
| Noninterest expense to average assets | 2.9282% | 3,852 |
| Loan and lease loss provision to assets | 0.7033% | 1,453 |
| Net operating income to assets | 0.1587% | 5,709 |
| Return on assets (ROA) | 0.2020% | 5,716 |
| Pretax return on assets | 0.1802% | 5,832 |
| Return on Equity (ROE) | 2.1666% | 5,601 |
| Retained earnings to average equity (ytd only) | 2.1666% | 4,674 |
| Net charge-offs to loans | 1.2501% | 1,332 |
| Credit loss provision to net charge-offs | 87.3628% | 4,135 |
| Earnings coverage of net charge-offs (x) | 1.0437% | 5,008 |
| Efficiency ratio | 77.5411% | 2,653 |
| Assets per employee ($millions) | 6.5435% | 930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6607% | 3,331 |
| Loan loss allowance to noncurrent loans | 67.8189% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 1.9448% | 3,050 |
| Noncurrent loans to loans | 2.4488% | 2,684 |
| Net loans and leases to total assets | 66.4047% | 2,708 |
| Net loans and leases to deposits | 79.7626% | 2,566 |
| Net loans and leases to core deposits | 101.7823% | 1,044 |
| Total domestic deposits to total assets | 83.2529% | 4,642 |
| Equity capital to assets | 9.8105% | 4,427 |
| Core capital (leverage) ratio | 9.4463% | 4,117 |
| Tier 1 risk-based capital ratio | 12.0355% | 5,814 |
| Total risk-based capital ratio | 13.2873% | 5,792 |
| Memoranda: |
| Average total assets | $656,580,400 | 986 |
| Average earning assets | $612,651,000 | 962 |
| Average equity | $61,201,000 | 1,104 |
| Average total loans | $422,832,800 | 994 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7264% | 4,330 |
| Cost of funding earning assets | 1.1584% | 2,580 |
| Net interest margin | 3.5681% | 4,909 |
| Noninterest income to average assets | 0.3281% | 5,240 |
| Noninterest expense to average assets | 2.8791% | 4,017 |
| Loan and lease loss provision to assets | 0.6531% | 1,496 |
| Net operating income to assets | 0.1542% | 5,826 |
| Return on assets (ROA) | 0.1889% | 5,860 |
| Pretax return on assets | 0.1723% | 5,946 |
| Return on Equity (ROE) | 2.0533% | 5,757 |
| Retained earnings to average equity (ytd only) | 2.0533% | 5,109 |
| Net charge-offs to loans | 1.4351% | 1,026 |
| Credit loss provision to net charge-offs | 71.5333% | 4,429 |
| Earnings coverage of net charge-offs (x) | 0.8660% | 4,972 |
| Efficiency ratio | 78.3989% | 2,490 |
| Assets per employee ($millions) | 6.5077% | 943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5845% | 3,737 |
| Loan loss allowance to noncurrent loans | 51.0979% | 4,942 |
| Noncurrent assets plus other real estate owned to assets | 2.1999% | 2,891 |
| Noncurrent loans to loans | 3.1009% | 2,236 |
| Net loans and leases to total assets | 61.7168% | 3,796 |
| Net loans and leases to deposits | 75.8912% | 3,347 |
| Net loans and leases to core deposits | 98.4814% | 1,390 |
| Total domestic deposits to total assets | 81.3227% | 5,325 |
| Equity capital to assets | 9.5170% | 5,057 |
| Core capital (leverage) ratio | 9.6459% | 3,923 |
| Tier 1 risk-based capital ratio | 12.1577% | 5,772 |
| Total risk-based capital ratio | 13.4083% | 5,766 |
| Memoranda: |
| Average total assets | $657,138,500 | 993 |
| Average earning assets | $615,444,250 | 969 |
| Average equity | $60,452,500 | 1,118 |
| Average total loans | $418,077,000 | 1,007 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8142% | 4,035 |
| Cost of funding earning assets | 1.2052% | 2,542 |
| Net interest margin | 3.6090% | 4,693 |
| Noninterest income to average assets | 0.2081% | 6,177 |
| Noninterest expense to average assets | 2.9355% | 3,881 |
| Loan and lease loss provision to assets | 0.5008% | 1,961 |
| Net operating income to assets | 0.1645% | 5,844 |
| Return on assets (ROA) | 0.1722% | 5,924 |
| Pretax return on assets | 0.1580% | 6,006 |
| Return on Equity (ROE) | 1.8940% | 5,822 |
| Retained earnings to average equity (ytd only) | 1.8940% | 5,031 |
| Net charge-offs to loans | 1.8319% | 752 |
| Credit loss provision to net charge-offs | 42.7559% | 4,763 |
| Earnings coverage of net charge-offs (x) | 0.5559% | 4,888 |
| Efficiency ratio | 81.8462% | 2,123 |
| Assets per employee ($millions) | 6.9952% | 724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3683% | 4,741 |
| Loan loss allowance to noncurrent loans | 37.9454% | 5,772 |
| Noncurrent assets plus other real estate owned to assets | 2.5522% | 2,618 |
| Noncurrent loans to loans | 3.6060% | 1,952 |
| Net loans and leases to total assets | 65.9604% | 3,037 |
| Net loans and leases to deposits | 79.1358% | 2,948 |
| Net loans and leases to core deposits | 103.0340% | 1,115 |
| Total domestic deposits to total assets | 83.3508% | 4,611 |
| Equity capital to assets | 9.7237% | 4,505 |
| Core capital (leverage) ratio | 9.5896% | 3,825 |
| Tier 1 risk-based capital ratio | 12.3990% | 5,441 |
| Total risk-based capital ratio | 13.5623% | 5,489 |
| Memoranda: |
| Average total assets | $650,586,000 | 1,013 |
| Average earning assets | $609,037,330 | 978 |
| Average equity | $59,133,000 | 1,134 |
| Average total loans | $415,962,000 | 1,031 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7716% | 4,195 |
| Cost of funding earning assets | 1.2359% | 2,593 |
| Net interest margin | 3.5356% | 4,868 |
| Noninterest income to average assets | 0.2178% | 6,171 |
| Noninterest expense to average assets | 2.8406% | 4,297 |
| Loan and lease loss provision to assets | 0.5566% | 1,554 |
| Net operating income to assets | 0.1509% | 5,944 |
| Return on assets (ROA) | 0.1490% | 6,008 |
| Pretax return on assets | 0.1283% | 6,110 |
| Return on Equity (ROE) | 1.6969% | 5,912 |
| Retained earnings to average equity (ytd only) | 1.6969% | 5,103 |
| Net charge-offs to loans | 1.3116% | 1,052 |
| Credit loss provision to net charge-offs | 67.8783% | 3,386 |
| Earnings coverage of net charge-offs (x) | 0.8375% | 4,011 |
| Efficiency ratio | 80.5311% | 2,433 |
| Assets per employee ($millions) | 6.7193% | 839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8133% | 2,969 |
| Loan loss allowance to noncurrent loans | 63.0768% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 2.1526% | 3,122 |
| Noncurrent loans to loans | 2.8748% | 2,619 |
| Net loans and leases to total assets | 62.2725% | 3,797 |
| Net loans and leases to deposits | 73.7653% | 3,793 |
| Net loans and leases to core deposits | 95.5590% | 1,706 |
| Total domestic deposits to total assets | 84.4197% | 4,316 |
| Equity capital to assets | 8.9213% | 5,317 |
| Core capital (leverage) ratio | 9.0947% | 4,458 |
| Tier 1 risk-based capital ratio | 12.0831% | 5,615 |
| Total risk-based capital ratio | 13.3364% | 5,607 |
| Memoranda: |
| Average total assets | $657,598,500 | 1,011 |
| Average earning assets | $615,563,000 | 984 |
| Average equity | $57,751,000 | 1,145 |
| Average total loans | $411,091,500 | 1,057 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9864% | 4,624 |
| Cost of funding earning assets | 1.5107% | 2,572 |
| Net interest margin | 3.4758% | 5,340 |
| Noninterest income to average assets | 0.1238% | 6,783 |
| Noninterest expense to average assets | 2.6095% | 5,377 |
| Loan and lease loss provision to assets | 0.9475% | 1,722 |
| Net operating income to assets | -0.1365% | 6,033 |
| Return on assets (ROA) | 0.1919% | 5,465 |
| Pretax return on assets | 0.1770% | 5,536 |
| Return on Equity (ROE) | 2.1362% | 5,334 |
| Retained earnings to average equity (ytd only) | 2.1362% | 4,393 |
| Net charge-offs to loans | 0.7510% | 2,763 |
| Credit loss provision to net charge-offs | 199.3254% | 1,581 |
| Earnings coverage of net charge-offs (x) | 1.6746% | 4,484 |
| Efficiency ratio | 76.6265% | 2,946 |
| Assets per employee ($millions) | 7.5483% | 579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9790% | 2,358 |
| Loan loss allowance to noncurrent loans | 55.5664% | 4,688 |
| Noncurrent assets plus other real estate owned to assets | 2.5125% | 2,762 |
| Noncurrent loans to loans | 3.5615% | 2,115 |
| Net loans and leases to total assets | 60.3840% | 4,616 |
| Net loans and leases to deposits | 72.8407% | 4,375 |
| Net loans and leases to core deposits | 95.2512% | 2,096 |
| Total domestic deposits to total assets | 82.8987% | 4,838 |
| Equity capital to assets | 8.6426% | 5,667 |
| Core capital (leverage) ratio | 8.9357% | 4,642 |
| Tier 1 risk-based capital ratio | 12.2092% | 5,288 |
| Total risk-based capital ratio | 13.4641% | 5,255 |
| Memoranda: |
| Average total assets | $654,906,600 | 1,015 |
| Average earning assets | $618,340,400 | 976 |
| Average equity | $58,841,600 | 1,137 |
| Average total loans | $414,537,200 | 1,079 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0619% | 4,529 |
| Cost of funding earning assets | 1.5618% | 2,602 |
| Net interest margin | 3.5002% | 5,290 |
| Noninterest income to average assets | 0.1589% | 6,726 |
| Noninterest expense to average assets | 2.6244% | 5,225 |
| Loan and lease loss provision to assets | 0.9866% | 1,513 |
| Net operating income to assets | -0.1331% | 6,224 |
| Return on assets (ROA) | 0.2422% | 5,538 |
| Pretax return on assets | 0.2583% | 5,592 |
| Return on Equity (ROE) | 2.6705% | 5,360 |
| Retained earnings to average equity (ytd only) | 2.6705% | 4,553 |
| Net charge-offs to loans | 0.9284% | 2,139 |
| Credit loss provision to net charge-offs | 166.7700% | 2,234 |
| Earnings coverage of net charge-offs (x) | 1.4294% | 4,660 |
| Efficiency ratio | 75.6297% | 3,014 |
| Assets per employee ($millions) | 7.7849% | 550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7174% | 3,104 |
| Loan loss allowance to noncurrent loans | 65.1055% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 2.0871% | 3,356 |
| Noncurrent loans to loans | 2.6379% | 2,987 |
| Net loans and leases to total assets | 58.5775% | 5,171 |
| Net loans and leases to deposits | 69.7257% | 5,192 |
| Net loans and leases to core deposits | 95.3942% | 2,335 |
| Total domestic deposits to total assets | 84.0113% | 4,124 |
| Equity capital to assets | 9.1103% | 5,431 |
| Core capital (leverage) ratio | 8.8100% | 4,991 |
| Tier 1 risk-based capital ratio | 12.0688% | 5,392 |
| Total risk-based capital ratio | 13.3206% | 5,365 |
| Memoranda: |
| Average total assets | $654,457,250 | 1,024 |
| Average earning assets | $619,118,750 | 984 |
| Average equity | $59,363,000 | 1,124 |
| Average total loans | $417,034,000 | 1,084 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0811% | 4,556 |
| Cost of funding earning assets | 1.5977% | 2,670 |
| Net interest margin | 3.4835% | 5,310 |
| Noninterest income to average assets | 0.1743% | 6,657 |
| Noninterest expense to average assets | 2.5708% | 5,451 |
| Loan and lease loss provision to assets | 0.8610% | 1,688 |
| Net operating income to assets | 0.0347% | 6,027 |
| Return on assets (ROA) | 0.3230% | 5,264 |
| Pretax return on assets | 0.3542% | 5,361 |
| Return on Equity (ROE) | 3.5669% | 4,986 |
| Retained earnings to average equity (ytd only) | 3.5669% | 3,834 |
| Net charge-offs to loans | 1.0146% | 1,838 |
| Credit loss provision to net charge-offs | 130.2889% | 3,086 |
| Earnings coverage of net charge-offs (x) | 1.3593% | 4,466 |
| Efficiency ratio | 74.1056% | 3,457 |
| Assets per employee ($millions) | 7.3356% | 660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3812% | 4,519 |
| Loan loss allowance to noncurrent loans | 108.4812% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 1.1313% | 4,875 |
| Noncurrent loans to loans | 1.2733% | 4,839 |
| Net loans and leases to total assets | 62.2480% | 4,632 |
| Net loans and leases to deposits | 76.8946% | 4,176 |
| Net loans and leases to core deposits | 106.4409% | 1,404 |
| Total domestic deposits to total assets | 80.9523% | 5,417 |
| Equity capital to assets | 9.5357% | 4,653 |
| Core capital (leverage) ratio | 9.7485% | 3,475 |
| Tier 1 risk-based capital ratio | 12.6843% | 4,702 |
| Total risk-based capital ratio | 13.8396% | 4,753 |
| Memoranda: |
| Average total assets | $649,441,330 | 1,045 |
| Average earning assets | $614,271,000 | 1,001 |
| Average equity | $58,819,330 | 1,128 |
| Average total loans | $423,034,670 | 1,078 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0768% | 4,644 |
| Cost of funding earning assets | 1.6352% | 2,739 |
| Net interest margin | 3.4416% | 5,416 |
| Noninterest income to average assets | 0.1923% | 6,590 |
| Noninterest expense to average assets | 2.4511% | 5,903 |
| Loan and lease loss provision to assets | 0.5496% | 2,302 |
| Net operating income to assets | 0.3873% | 4,895 |
| Return on assets (ROA) | 0.4128% | 4,924 |
| Pretax return on assets | 0.4751% | 5,047 |
| Return on Equity (ROE) | 4.6781% | 4,542 |
| Retained earnings to average equity (ytd only) | 4.6781% | 3,331 |
| Net charge-offs to loans | 0.7471% | 2,013 |
| Credit loss provision to net charge-offs | 111.2485% | 3,107 |
| Earnings coverage of net charge-offs (x) | 2.0148% | 3,531 |
| Efficiency ratio | 71.1198% | 4,098 |
| Assets per employee ($millions) | 7.7571% | 572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1424% | 5,812 |
| Loan loss allowance to noncurrent loans | 113.9313% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 1.0336% | 5,084 |
| Noncurrent loans to loans | 1.0027% | 5,318 |
| Net loans and leases to total assets | 67.2720% | 3,559 |
| Net loans and leases to deposits | 85.4850% | 2,684 |
| Net loans and leases to core deposits | 124.7228% | 626 |
| Total domestic deposits to total assets | 78.6945% | 6,154 |
| Equity capital to assets | 9.4239% | 4,651 |
| Core capital (leverage) ratio | 9.2041% | 4,219 |
| Tier 1 risk-based capital ratio | 11.5933% | 5,584 |
| Total risk-based capital ratio | 12.5491% | 5,823 |
| Memoranda: |
| Average total assets | $655,065,000 | 1,054 |
| Average earning assets | $619,369,000 | 1,012 |
| Average equity | $57,801,000 | 1,152 |
| Average total loans | $433,138,500 | 1,079 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4634% | 4,366 |
| Cost of funding earning assets | 2.1058% | 2,429 |
| Net interest margin | 3.3575% | 5,533 |
| Noninterest income to average assets | 0.1536% | 6,965 |
| Noninterest expense to average assets | 2.5854% | 5,842 |
| Loan and lease loss provision to assets | 0.5203% | 3,770 |
| Net operating income to assets | 0.2307% | 4,798 |
| Return on assets (ROA) | 0.4432% | 4,078 |
| Pretax return on assets | 0.5318% | 4,105 |
| Return on Equity (ROE) | 5.3951% | 3,473 |
| Retained earnings to average equity (ytd only) | 5.3951% | 1,626 |
| Net charge-offs to loans | 0.5335% | 3,648 |
| Credit loss provision to net charge-offs | 154.2580% | 2,961 |
| Earnings coverage of net charge-offs (x) | 2.3600% | 3,957 |
| Efficiency ratio | 76.4586% | 3,447 |
| Assets per employee ($millions) | 7.8387% | 550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1477% | 5,649 |
| Loan loss allowance to noncurrent loans | 407.1251% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.4477% | 6,336 |
| Noncurrent loans to loans | 0.2819% | 6,723 |
| Net loans and leases to total assets | 63.5210% | 4,701 |
| Net loans and leases to deposits | 79.1779% | 4,140 |
| Net loans and leases to core deposits | 118.8273% | 2,052 |
| Total domestic deposits to total assets | 80.2256% | 5,609 |
| Equity capital to assets | 8.2437% | 6,283 |
| Core capital (leverage) ratio | 8.6015% | 5,100 |
| Tier 1 risk-based capital ratio | 10.6252% | 6,274 |
| Total risk-based capital ratio | 11.5569% | 6,555 |
| Memoranda: |
| Average total assets | $581,390,200 | 1,183 |
| Average earning assets | $558,921,400 | 1,128 |
| Average equity | $47,765,200 | 1,410 |
| Average total loans | $367,571,000 | 1,306 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4671% | 4,590 |
| Cost of funding earning assets | 2.2340% | 2,259 |
| Net interest margin | 3.2330% | 5,904 |
| Noninterest income to average assets | 0.1664% | 7,020 |
| Noninterest expense to average assets | 2.5525% | 5,888 |
| Loan and lease loss provision to assets | 0.4820% | 3,491 |
| Net operating income to assets | 0.1998% | 5,158 |
| Return on assets (ROA) | 0.4727% | 4,208 |
| Pretax return on assets | 0.6129% | 4,150 |
| Return on Equity (ROE) | 5.7595% | 3,624 |
| Retained earnings to average equity (ytd only) | 5.7595% | 2,074 |
| Net charge-offs to loans | 0.5921% | 2,903 |
| Credit loss provision to net charge-offs | 129.3930% | 3,875 |
| Earnings coverage of net charge-offs (x) | 1.9879% | 4,329 |
| Efficiency ratio | 77.5136% | 3,234 |
| Assets per employee ($millions) | 7.1603% | 730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1472% | 5,427 |
| Loan loss allowance to noncurrent loans | 230.2350% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.5844% | 5,990 |
| Noncurrent loans to loans | 0.4983% | 6,313 |
| Net loans and leases to total assets | 61.7453% | 5,284 |
| Net loans and leases to deposits | 76.2830% | 4,988 |
| Net loans and leases to core deposits | 138.1703% | 1,005 |
| Total domestic deposits to total assets | 80.9424% | 5,103 |
| Equity capital to assets | 8.2204% | 6,615 |
| Core capital (leverage) ratio | 8.3720% | 5,707 |
| Tier 1 risk-based capital ratio | 10.9502% | 5,999 |
| Total risk-based capital ratio | 11.9039% | 6,274 |
| Memoranda: |
| Average total assets | $560,166,000 | 1,246 |
| Average earning assets | $541,728,250 | 1,179 |
| Average equity | $45,974,750 | 1,486 |
| Average total loans | $352,427,250 | 1,385 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3866% | 5,221 |
| Cost of funding earning assets | 2.3856% | 2,023 |
| Net interest margin | 3.0010% | 6,551 |
| Noninterest income to average assets | 0.0853% | 7,549 |
| Noninterest expense to average assets | 2.4674% | 6,234 |
| Loan and lease loss provision to assets | 0.4941% | 3,068 |
| Net operating income to assets | 0.0398% | 5,734 |
| Return on assets (ROA) | 0.3814% | 4,681 |
| Pretax return on assets | 0.4495% | 4,789 |
| Return on Equity (ROE) | 4.6498% | 4,234 |
| Retained earnings to average equity (ytd only) | 4.6498% | 2,713 |
| Net charge-offs to loans | 0.6557% | 2,395 |
| Credit loss provision to net charge-offs | 119.4690% | 3,891 |
| Earnings coverage of net charge-offs (x) | 1.3097% | 4,543 |
| Efficiency ratio | 81.9973% | 2,724 |
| Assets per employee ($millions) | 7.0347% | 766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1320% | 5,378 |
| Loan loss allowance to noncurrent loans | 43.8956% | 5,441 |
| Noncurrent assets plus other real estate owned to assets | 1.6684% | 3,694 |
| Noncurrent loans to loans | 2.5789% | 2,810 |
| Net loans and leases to total assets | 63.9634% | 4,989 |
| Net loans and leases to deposits | 76.5017% | 5,095 |
| Net loans and leases to core deposits | 169.1260% | 327 |
| Total domestic deposits to total assets | 83.6104% | 3,961 |
| Equity capital to assets | 8.1531% | 6,555 |
| Core capital (leverage) ratio | 8.5876% | 5,284 |
| Tier 1 risk-based capital ratio | 11.1590% | 5,720 |
| Total risk-based capital ratio | 12.1159% | 5,955 |
| Memoranda: |
| Average total assets | $546,399,330 | 1,294 |
| Average earning assets | $532,357,000 | 1,218 |
| Average equity | $44,818,670 | 1,527 |
| Average total loans | $344,674,000 | 1,449 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5614% | 4,573 |
| Cost of funding earning assets | 2.5451% | 1,756 |
| Net interest margin | 3.0163% | 6,436 |
| Noninterest income to average assets | 0.1004% | 7,537 |
| Noninterest expense to average assets | 2.4115% | 6,153 |
| Loan and lease loss provision to assets | 0.4984% | 2,473 |
| Net operating income to assets | 0.1237% | 5,905 |
| Return on assets (ROA) | 0.4305% | 4,919 |
| Pretax return on assets | 0.4563% | 5,221 |
| Return on Equity (ROE) | 5.2319% | 4,369 |
| Retained earnings to average equity (ytd only) | 5.2319% | 3,005 |
| Net charge-offs to loans | 1.2881% | 1,091 |
| Credit loss provision to net charge-offs | 62.1547% | 4,481 |
| Earnings coverage of net charge-offs (x) | 0.7836% | 4,400 |
| Efficiency ratio | 79.3296% | 2,938 |
| Assets per employee ($millions) | 6.6312% | 901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0086% | 6,119 |
| Loan loss allowance to noncurrent loans | 156.6029% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.3896% | 6,332 |
| Noncurrent loans to loans | 0.6440% | 5,801 |
| Net loans and leases to total assets | 59.8853% | 5,675 |
| Net loans and leases to deposits | 70.9793% | 5,869 |
| Net loans and leases to core deposits | 162.6047% | 453 |
| Total domestic deposits to total assets | 84.3701% | 3,520 |
| Equity capital to assets | 8.0534% | 6,736 |
| Core capital (leverage) ratio | 8.5713% | 5,389 |
| Tier 1 risk-based capital ratio | 10.9217% | 5,968 |
| Total risk-based capital ratio | 11.7382% | 6,324 |
| Memoranda: |
| Average total assets | $541,730,000 | 1,306 |
| Average earning assets | $527,925,500 | 1,226 |
| Average equity | $44,573,000 | 1,538 |
| Average total loans | $337,241,500 | 1,493 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0169% | 5,469 |
| Cost of funding earning assets | 2.9759% | 1,959 |
| Net interest margin | 3.0410% | 6,811 |
| Noninterest income to average assets | 0.1191% | 7,527 |
| Noninterest expense to average assets | 2.4137% | 6,348 |
| Loan and lease loss provision to assets | 0.3937% | 3,333 |
| Net operating income to assets | 0.1878% | 5,882 |
| Return on assets (ROA) | 0.1878% | 5,708 |
| Pretax return on assets | 0.2624% | 5,595 |
| Return on Equity (ROE) | 2.0762% | 5,593 |
| Retained earnings to average equity (ytd only) | 2.0762% | 3,942 |
| Net charge-offs to loans | 0.1933% | 4,255 |
| Credit loss provision to net charge-offs | 315.9341% | 1,429 |
| Earnings coverage of net charge-offs (x) | 5.2656% | 3,710 |
| Efficiency ratio | 78.6277% | 2,817 |
| Assets per employee ($millions) | 6.4174% | 915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1544% | 4,884 |
| Loan loss allowance to noncurrent loans | 492.3274% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.1803% | 6,844 |
| Noncurrent loans to loans | 0.2345% | 6,680 |
| Net loans and leases to total assets | 63.4175% | 5,385 |
| Net loans and leases to deposits | 76.0862% | 5,584 |
| Net loans and leases to core deposits | 138.9361% | 1,319 |
| Total domestic deposits to total assets | 83.3495% | 3,636 |
| Equity capital to assets | 8.4171% | 6,223 |
| Core capital (leverage) ratio | 9.1286% | 4,556 |
| Tier 1 risk-based capital ratio | 10.8129% | 5,901 |
| Total risk-based capital ratio | 11.7716% | 6,075 |
| Memoranda: |
| Average total assets | $438,203,600 | 1,559 |
| Average earning assets | $425,188,200 | 1,468 |
| Average equity | $39,640,600 | 1,702 |
| Average total loans | $282,412,200 | 1,708 |
