| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.8654% | 253 |
| Cost of funding earning assets | 2.6835% | 259 |
| Net interest margin | 4.1818% | 960 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 1.5653% | 4,276 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 2.0167% | 454 |
| Return on assets (ROA) | 2.0260% | 433 |
| Pretax return on assets | 2.6339% | 295 |
| Return on Equity (ROE) | 15.4300% | 1,203 |
| Retained earnings to average equity (ytd only) | 15.4301% | 302 |
| Net charge-offs to loans | -0.0085% | 3,962 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 37.1255% | 4,420 |
| Assets per employee ($millions) | 10.4501% | 627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5812% | 870 |
| Loan loss allowance to noncurrent loans | 409.3750% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.2372% | 2,028 |
| Noncurrent loans to loans | 0.3862% | 1,824 |
| Net loans and leases to total assets | 60.4300% | 2,810 |
| Net loans and leases to deposits | 103.2050% | 400 |
| Net loans and leases to core deposits | 113.0276% | 843 |
| Total domestic deposits to total assets | 58.5600% | 4,449 |
| Equity capital to assets | 13.8313% | 712 |
| Core capital (leverage) ratio | 12.8709% | 1,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7075% | 966 |
| Memoranda: |
| Average total assets | $1,040,305,200 | 949 |
| Average earning assets | $965,076,800 | 941 |
| Average equity | $136,596,400 | 724 |
| Average total loans | $620,316,800 | 1,067 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6827% | 254 |
| Cost of funding earning assets | 2.5578% | 250 |
| Net interest margin | 4.1249% | 1,023 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 1.5435% | 4,283 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 2.0016% | 499 |
| Return on assets (ROA) | 1.9963% | 492 |
| Pretax return on assets | 2.5797% | 349 |
| Return on Equity (ROE) | 15.4200% | 1,368 |
| Retained earnings to average equity (ytd only) | 15.4155% | 515 |
| Net charge-offs to loans | -0.0072% | 3,839 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 37.1132% | 4,428 |
| Assets per employee ($millions) | 11.0868% | 486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5954% | 894 |
| Loan loss allowance to noncurrent loans | 384.7655% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 0.2478% | 2,015 |
| Noncurrent loans to loans | 0.4146% | 1,794 |
| Net loans and leases to total assets | 58.8100% | 2,960 |
| Net loans and leases to deposits | 99.7231% | 528 |
| Net loans and leases to core deposits | 109.2465% | 902 |
| Total domestic deposits to total assets | 58.9800% | 4,468 |
| Equity capital to assets | 13.2817% | 764 |
| Core capital (leverage) ratio | 12.4562% | 1,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1142% | 1,077 |
| Memoranda: |
| Average total assets | $1,033,903,500 | 953 |
| Average earning assets | $959,455,250 | 942 |
| Average equity | $133,888,000 | 732 |
| Average total loans | $611,770,750 | 1,076 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5312% | 254 |
| Cost of funding earning assets | 2.3793% | 234 |
| Net interest margin | 4.1518% | 1,001 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 1.5352% | 4,303 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 2.0180% | 450 |
| Return on assets (ROA) | 2.0079% | 455 |
| Pretax return on assets | 2.6067% | 307 |
| Return on Equity (ROE) | 15.6500% | 1,330 |
| Retained earnings to average equity (ytd only) | 15.6463% | 504 |
| Net charge-offs to loans | -0.0073% | 3,824 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 36.6917% | 4,459 |
| Assets per employee ($millions) | 10.6973% | 550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6279% | 883 |
| Loan loss allowance to noncurrent loans | 345.8503% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.2776% | 1,811 |
| Noncurrent loans to loans | 0.4707% | 1,536 |
| Net loans and leases to total assets | 58.0200% | 2,960 |
| Net loans and leases to deposits | 97.5483% | 639 |
| Net loans and leases to core deposits | 105.1868% | 1,014 |
| Total domestic deposits to total assets | 59.4800% | 4,489 |
| Equity capital to assets | 12.9857% | 816 |
| Core capital (leverage) ratio | 12.3670% | 1,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8429% | 1,150 |
| Memoranda: |
| Average total assets | $1,020,063,667 | 956 |
| Average earning assets | $946,814,333 | 947 |
| Average equity | $130,906,000 | 751 |
| Average total loans | $601,451,000 | 1,079 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4379% | 196 |
| Cost of funding earning assets | 2.2359% | 178 |
| Net interest margin | 4.2020% | 944 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 1.5907% | 4,314 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.9887% | 501 |
| Return on assets (ROA) | 1.9924% | 491 |
| Pretax return on assets | 2.6225% | 312 |
| Return on Equity (ROE) | 15.6200% | 1,437 |
| Retained earnings to average equity (ytd only) | 15.6241% | 729 |
| Net charge-offs to loans | -0.0075% | 3,759 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 37.5307% | 4,501 |
| Assets per employee ($millions) | 11.1422% | 494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6847% | 848 |
| Loan loss allowance to noncurrent loans | 332.4102% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.2991% | 1,670 |
| Noncurrent loans to loans | 0.5068% | 1,449 |
| Net loans and leases to total assets | 58.0300% | 2,867 |
| Net loans and leases to deposits | 93.4339% | 821 |
| Net loans and leases to core deposits | 100.5216% | 1,067 |
| Total domestic deposits to total assets | 62.1100% | 4,530 |
| Equity capital to assets | 12.8587% | 797 |
| Core capital (leverage) ratio | 12.3140% | 1,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8338% | 1,184 |
| Memoranda: |
| Average total assets | $1,000,579,000 | 990 |
| Average earning assets | $927,947,000 | 981 |
| Average equity | $127,597,500 | 774 |
| Average total loans | $589,873,500 | 1,104 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6747% | 535 |
| Cost of funding earning assets | 1.0133% | 153 |
| Net interest margin | 3.6613% | 1,469 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 1.5379% | 4,385 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.8065% | 438 |
| Return on assets (ROA) | 1.8286% | 394 |
| Pretax return on assets | 2.4181% | 224 |
| Return on Equity (ROE) | 14.5100% | 1,400 |
| Retained earnings to average equity (ytd only) | 14.5082% | 331 |
| Net charge-offs to loans | 0.0166% | 1,781 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 240.4149% | 563 |
| Efficiency ratio | 39.1519% | 4,558 |
| Assets per employee ($millions) | 10.6153% | 559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7196% | 781 |
| Loan loss allowance to noncurrent loans | 122.9218% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 0.8237% | 568 |
| Noncurrent loans to loans | 1.3989% | 479 |
| Net loans and leases to total assets | 57.8700% | 2,832 |
| Net loans and leases to deposits | 97.3179% | 564 |
| Net loans and leases to core deposits | 104.7106% | 799 |
| Total domestic deposits to total assets | 59.4600% | 4,579 |
| Equity capital to assets | 12.6432% | 775 |
| Core capital (leverage) ratio | 11.4207% | 1,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $945,484,400 | 1,032 |
| Average earning assets | $877,605,400 | 1,018 |
| Average equity | $119,166,800 | 823 |
| Average total loans | $566,010,600 | 1,080 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2427% | 817 |
| Cost of funding earning assets | 0.7514% | 198 |
| Net interest margin | 3.4913% | 1,684 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 1.5314% | 4,385 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.7353% | 489 |
| Return on assets (ROA) | 1.7623% | 448 |
| Pretax return on assets | 2.3103% | 268 |
| Return on Equity (ROE) | 13.9900% | 1,432 |
| Retained earnings to average equity (ytd only) | 13.9937% | 467 |
| Net charge-offs to loans | 0.0254% | 1,313 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 149.1776% | 749 |
| Efficiency ratio | 40.2217% | 4,566 |
| Assets per employee ($millions) | 10.8006% | 527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7479% | 807 |
| Loan loss allowance to noncurrent loans | 132.2077% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 0.7683% | 654 |
| Noncurrent loans to loans | 1.3221% | 555 |
| Net loans and leases to total assets | 57.0900% | 2,788 |
| Net loans and leases to deposits | 91.0105% | 825 |
| Net loans and leases to core deposits | 96.9848% | 951 |
| Total domestic deposits to total assets | 62.7300% | 4,613 |
| Equity capital to assets | 12.5530% | 759 |
| Core capital (leverage) ratio | 11.4680% | 1,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5490% | 1,550 |
| Memoranda: |
| Average total assets | $935,050,250 | 1,049 |
| Average earning assets | $868,608,750 | 1,040 |
| Average equity | $117,754,500 | 844 |
| Average total loans | $562,189,500 | 1,083 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8626% | 1,184 |
| Cost of funding earning assets | 0.6095% | 252 |
| Net interest margin | 3.2530% | 2,047 |
| Noninterest income to average assets | 0.6689% | 1,468 |
| Noninterest expense to average assets | 1.5078% | 4,410 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.7042% | 427 |
| Return on assets (ROA) | 1.7432% | 380 |
| Pretax return on assets | 2.2324% | 233 |
| Return on Equity (ROE) | 13.8264% | 1,158 |
| Retained earnings to average equity (ytd only) | 13.8264% | 380 |
| Net charge-offs to loans | 0.0325% | 1,079 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 110.2418% | 771 |
| Efficiency ratio | 40.8525% | 4,594 |
| Assets per employee ($millions) | 11.0993% | 477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7575% | 864 |
| Loan loss allowance to noncurrent loans | 129.9753% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 0.7876% | 660 |
| Noncurrent loans to loans | 1.3522% | 573 |
| Net loans and leases to total assets | 57.2236% | 2,614 |
| Net loans and leases to deposits | 86.2147% | 954 |
| Net loans and leases to core deposits | 92.9654% | 976 |
| Total domestic deposits to total assets | 66.3733% | 4,654 |
| Equity capital to assets | 11.8738% | 916 |
| Core capital (leverage) ratio | 11.1447% | 1,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8807% | 1,741 |
| Memoranda: |
| Average total assets | $919,115,667 | 1,062 |
| Average earning assets | $853,785,667 | 1,061 |
| Average equity | $115,880,000 | 862 |
| Average total loans | $559,208,000 | 1,075 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7360% | 1,204 |
| Cost of funding earning assets | 0.5631% | 340 |
| Net interest margin | 3.1729% | 1,965 |
| Noninterest income to average assets | 0.4178% | 2,569 |
| Noninterest expense to average assets | 1.5334% | 4,381 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3851% | 828 |
| Return on assets (ROA) | 1.4629% | 684 |
| Pretax return on assets | 1.9297% | 413 |
| Return on Equity (ROE) | 11.2438% | 1,531 |
| Retained earnings to average equity (ytd only) | 11.2438% | 734 |
| Net charge-offs to loans | -0.0281% | 4,057 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5735% | 4,510 |
| Assets per employee ($millions) | 10.2579% | 640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8138% | 860 |
| Loan loss allowance to noncurrent loans | 199.3505% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 0.5504% | 1,095 |
| Noncurrent loans to loans | 0.9099% | 1,011 |
| Net loans and leases to total assets | 59.3913% | 2,131 |
| Net loans and leases to deposits | 87.5722% | 644 |
| Net loans and leases to core deposits | 92.1045% | 808 |
| Total domestic deposits to total assets | 67.8199% | 4,678 |
| Equity capital to assets | 12.6907% | 762 |
| Core capital (leverage) ratio | 11.5317% | 1,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8644% | 1,850 |
| Memoranda: |
| Average total assets | $890,306,500 | 1,092 |
| Average earning assets | $826,865,000 | 1,089 |
| Average equity | $115,832,500 | 883 |
| Average total loans | $554,351,500 | 1,072 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4118% | 701 |
| Cost of funding earning assets | 0.6527% | 416 |
| Net interest margin | 3.7592% | 1,086 |
| Noninterest income to average assets | 0.1197% | 4,533 |
| Noninterest expense to average assets | 1.6363% | 4,381 |
| Loan and lease loss provision to assets | 0.2940% | 281 |
| Net operating income to assets | 1.2297% | 1,817 |
| Return on assets (ROA) | 1.3009% | 1,641 |
| Pretax return on assets | 1.7316% | 1,064 |
| Return on Equity (ROE) | 10.2430% | 2,437 |
| Retained earnings to average equity (ytd only) | 10.2430% | 855 |
| Net charge-offs to loans | 0.3042% | 282 |
| Credit loss provision to net charge-offs | 146.9724% | 1,503 |
| Earnings coverage of net charge-offs (x) | 9.6767% | 2,252 |
| Efficiency ratio | 45.8125% | 4,511 |
| Assets per employee ($millions) | 7.7946% | 1,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8337% | 815 |
| Loan loss allowance to noncurrent loans | 201.6387% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 0.5836% | 1,131 |
| Noncurrent loans to loans | 0.9094% | 1,114 |
| Net loans and leases to total assets | 63.0016% | 1,823 |
| Net loans and leases to deposits | 90.7967% | 533 |
| Net loans and leases to core deposits | 94.6921% | 747 |
| Total domestic deposits to total assets | 69.3875% | 4,696 |
| Equity capital to assets | 13.3547% | 809 |
| Core capital (leverage) ratio | 11.5429% | 1,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7803% | 1,934 |
| Memoranda: |
| Average total assets | $850,442,800 | 1,090 |
| Average earning assets | $780,965,600 | 1,113 |
| Average equity | $108,005,200 | 946 |
| Average total loans | $559,210,800 | 1,076 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4193% | 783 |
| Cost of funding earning assets | 0.6672% | 458 |
| Net interest margin | 3.7521% | 1,219 |
| Noninterest income to average assets | -0.0256% | 4,897 |
| Noninterest expense to average assets | 1.6519% | 4,401 |
| Loan and lease loss provision to assets | 0.3535% | 202 |
| Net operating income to assets | 1.0403% | 2,768 |
| Return on assets (ROA) | 1.1284% | 2,507 |
| Pretax return on assets | 1.5191% | 1,943 |
| Return on Equity (ROE) | 9.0027% | 3,109 |
| Retained earnings to average equity (ytd only) | 9.0027% | 1,693 |
| Net charge-offs to loans | 0.4322% | 177 |
| Credit loss provision to net charge-offs | 123.6264% | 1,447 |
| Earnings coverage of net charge-offs (x) | 6.1593% | 2,190 |
| Efficiency ratio | 48.4005% | 4,337 |
| Assets per employee ($millions) | 7.9211% | 1,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8011% | 925 |
| Loan loss allowance to noncurrent loans | 118.9841% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 1.8368% | 224 |
| Noncurrent loans to loans | 1.5137% | 689 |
| Net loans and leases to total assets | 62.5346% | 1,938 |
| Net loans and leases to deposits | 88.8589% | 666 |
| Net loans and leases to core deposits | 93.8203% | 830 |
| Total domestic deposits to total assets | 70.3751% | 4,723 |
| Equity capital to assets | 12.8295% | 1,042 |
| Core capital (leverage) ratio | 11.0773% | 1,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3358% | 2,245 |
| Memoranda: |
| Average total assets | $848,703,250 | 1,101 |
| Average earning assets | $777,783,250 | 1,128 |
| Average equity | $106,380,750 | 975 |
| Average total loans | $561,447,000 | 1,094 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3479% | 928 |
| Cost of funding earning assets | 0.6753% | 509 |
| Net interest margin | 3.6726% | 1,417 |
| Noninterest income to average assets | 0.4280% | 2,964 |
| Noninterest expense to average assets | 1.6693% | 4,409 |
| Loan and lease loss provision to assets | 0.3533% | 209 |
| Net operating income to assets | 1.4290% | 1,489 |
| Return on assets (ROA) | 1.5483% | 1,234 |
| Pretax return on assets | 1.9190% | 978 |
| Return on Equity (ROE) | 12.4494% | 1,894 |
| Retained earnings to average equity (ytd only) | 12.4494% | 822 |
| Net charge-offs to loans | 0.6225% | 124 |
| Credit loss provision to net charge-offs | 84.7458% | 1,462 |
| Earnings coverage of net charge-offs (x) | 5.0972% | 2,012 |
| Efficiency ratio | 43.9940% | 4,617 |
| Assets per employee ($millions) | 7.5785% | 1,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6138% | 1,241 |
| Loan loss allowance to noncurrent loans | 100.3225% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 1.9708% | 216 |
| Noncurrent loans to loans | 1.6087% | 678 |
| Net loans and leases to total assets | 63.6560% | 1,986 |
| Net loans and leases to deposits | 90.1119% | 650 |
| Net loans and leases to core deposits | 94.3628% | 890 |
| Total domestic deposits to total assets | 70.6411% | 4,743 |
| Equity capital to assets | 12.6978% | 1,050 |
| Core capital (leverage) ratio | 10.9155% | 1,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0705% | 2,341 |
| Memoranda: |
| Average total assets | $849,085,333 | 1,098 |
| Average earning assets | $778,309,333 | 1,114 |
| Average equity | $105,595,333 | 975 |
| Average total loans | $568,683,667 | 1,084 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0518% | 1,506 |
| Cost of funding earning assets | 0.7044% | 538 |
| Net interest margin | 3.3474% | 2,261 |
| Noninterest income to average assets | 0.4315% | 2,923 |
| Noninterest expense to average assets | 1.6064% | 4,523 |
| Loan and lease loss provision to assets | 0.3564% | 233 |
| Net operating income to assets | 1.3012% | 1,823 |
| Return on assets (ROA) | 1.5455% | 1,293 |
| Pretax return on assets | 1.8354% | 1,227 |
| Return on Equity (ROE) | 12.5630% | 1,807 |
| Retained earnings to average equity (ytd only) | 12.5630% | 1,014 |
| Net charge-offs to loans | -0.0293% | 4,162 |
| Credit loss provision to net charge-offs | -1,785.7143% | 3,522 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7995% | 4,477 |
| Assets per employee ($millions) | 7.9726% | 1,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7355% | 970 |
| Loan loss allowance to noncurrent loans | 86.0471% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 1.3736% | 496 |
| Noncurrent loans to loans | 2.0170% | 534 |
| Net loans and leases to total assets | 66.9215% | 1,674 |
| Net loans and leases to deposits | 93.9433% | 496 |
| Net loans and leases to core deposits | 98.6024% | 775 |
| Total domestic deposits to total assets | 71.2360% | 4,736 |
| Equity capital to assets | 12.4226% | 1,110 |
| Core capital (leverage) ratio | 10.7363% | 1,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8244% | 2,360 |
| Memoranda: |
| Average total assets | $841,654,000 | 1,099 |
| Average earning assets | $773,376,500 | 1,109 |
| Average equity | $103,542,000 | 981 |
| Average total loans | $573,537,500 | 1,077 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7960% | 744 |
| Cost of funding earning assets | 0.9574% | 697 |
| Net interest margin | 3.8386% | 1,397 |
| Noninterest income to average assets | 0.5222% | 2,536 |
| Noninterest expense to average assets | 1.6959% | 4,620 |
| Loan and lease loss provision to assets | 0.3534% | 977 |
| Net operating income to assets | 1.6532% | 569 |
| Return on assets (ROA) | 1.7983% | 421 |
| Pretax return on assets | 2.1665% | 315 |
| Return on Equity (ROE) | 15.2479% | 596 |
| Retained earnings to average equity (ytd only) | 15.2479% | 148 |
| Net charge-offs to loans | -0.0174% | 4,390 |
| Credit loss provision to net charge-offs | -2,828.2828% | 4,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9670% | 4,835 |
| Assets per employee ($millions) | 7.9830% | 1,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6412% | 1,190 |
| Loan loss allowance to noncurrent loans | 103.9611% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 1.0764% | 856 |
| Noncurrent loans to loans | 1.5787% | 837 |
| Net loans and leases to total assets | 67.0668% | 1,943 |
| Net loans and leases to deposits | 97.1152% | 498 |
| Net loans and leases to core deposits | 108.2891% | 560 |
| Total domestic deposits to total assets | 69.0590% | 4,792 |
| Equity capital to assets | 12.1785% | 1,484 |
| Core capital (leverage) ratio | 10.4767% | 2,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4552% | 2,813 |
| Memoranda: |
| Average total assets | $792,345,600 | 1,069 |
| Average earning assets | $726,315,000 | 1,070 |
| Average equity | $93,449,000 | 1,025 |
| Average total loans | $568,329,600 | 1,028 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8468% | 811 |
| Cost of funding earning assets | 1.0188% | 713 |
| Net interest margin | 3.8279% | 1,549 |
| Noninterest income to average assets | 0.5337% | 2,453 |
| Noninterest expense to average assets | 1.6852% | 4,642 |
| Loan and lease loss provision to assets | 0.3491% | 1,086 |
| Net operating income to assets | 1.5802% | 766 |
| Return on assets (ROA) | 1.6746% | 678 |
| Pretax return on assets | 2.1287% | 391 |
| Return on Equity (ROE) | 14.3230% | 818 |
| Retained earnings to average equity (ytd only) | 14.3230% | 234 |
| Net charge-offs to loans | -0.0227% | 4,457 |
| Credit loss provision to net charge-offs | -2,113.4021% | 4,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.6772% | 4,858 |
| Assets per employee ($millions) | 7.0801% | 1,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4557% | 1,515 |
| Loan loss allowance to noncurrent loans | 81.4790% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 1.2871% | 742 |
| Noncurrent loans to loans | 1.7866% | 743 |
| Net loans and leases to total assets | 70.9938% | 1,818 |
| Net loans and leases to deposits | 103.0264% | 415 |
| Net loans and leases to core deposits | 113.6720% | 571 |
| Total domestic deposits to total assets | 68.9084% | 4,791 |
| Equity capital to assets | 11.8418% | 1,772 |
| Core capital (leverage) ratio | 10.2325% | 2,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7700% | 2,697 |
| Memoranda: |
| Average total assets | $782,872,750 | 1,061 |
| Average earning assets | $717,794,750 | 1,065 |
| Average equity | $91,533,750 | 1,031 |
| Average total loans | $568,886,000 | 1,023 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7283% | 1,338 |
| Cost of funding earning assets | 1.0874% | 737 |
| Net interest margin | 3.6408% | 2,346 |
| Noninterest income to average assets | 0.5140% | 2,513 |
| Noninterest expense to average assets | 1.6439% | 4,742 |
| Loan and lease loss provision to assets | 0.3366% | 1,273 |
| Net operating income to assets | 1.4683% | 980 |
| Return on assets (ROA) | 1.5507% | 920 |
| Pretax return on assets | 1.9771% | 572 |
| Return on Equity (ROE) | 13.3228% | 1,029 |
| Retained earnings to average equity (ytd only) | 13.3228% | 324 |
| Net charge-offs to loans | -0.0053% | 4,028 |
| Credit loss provision to net charge-offs | -8,666.6667% | 4,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6623% | 4,843 |
| Assets per employee ($millions) | 7.1686% | 1,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3460% | 1,795 |
| Loan loss allowance to noncurrent loans | 74.3991% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 1.3019% | 800 |
| Noncurrent loans to loans | 1.8092% | 777 |
| Net loans and leases to total assets | 70.9898% | 1,875 |
| Net loans and leases to deposits | 102.9659% | 415 |
| Net loans and leases to core deposits | 110.5216% | 721 |
| Total domestic deposits to total assets | 68.9450% | 4,821 |
| Equity capital to assets | 11.3634% | 2,069 |
| Core capital (leverage) ratio | 10.0212% | 2,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0983% | 2,943 |
| Memoranda: |
| Average total assets | $772,427,333 | 1,055 |
| Average earning assets | $708,461,667 | 1,062 |
| Average equity | $89,906,000 | 1,036 |
| Average total loans | $562,989,000 | 1,015 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1033% | 787 |
| Cost of funding earning assets | 1.2010% | 770 |
| Net interest margin | 3.9022% | 1,667 |
| Noninterest income to average assets | 0.5605% | 2,228 |
| Noninterest expense to average assets | 1.8039% | 4,664 |
| Loan and lease loss provision to assets | 0.2892% | 1,076 |
| Net operating income to assets | 1.5649% | 671 |
| Return on assets (ROA) | 1.7298% | 530 |
| Pretax return on assets | 2.2498% | 265 |
| Return on Equity (ROE) | 14.6795% | 593 |
| Retained earnings to average equity (ytd only) | 14.6795% | 211 |
| Net charge-offs to loans | -0.0036% | 3,762 |
| Credit loss provision to net charge-offs | -11,000.0000% | 3,974 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6347% | 4,890 |
| Assets per employee ($millions) | 6.4083% | 1,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2679% | 2,295 |
| Loan loss allowance to noncurrent loans | 187.1498% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.4909% | 2,522 |
| Noncurrent loans to loans | 0.6775% | 2,297 |
| Net loans and leases to total assets | 71.5391% | 1,993 |
| Net loans and leases to deposits | 108.9574% | 203 |
| Net loans and leases to core deposits | 121.3545% | 433 |
| Total domestic deposits to total assets | 65.6579% | 4,969 |
| Equity capital to assets | 11.6431% | 2,330 |
| Core capital (leverage) ratio | 9.7807% | 3,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0267% | 3,327 |
| Memoranda: |
| Average total assets | $760,784,500 | 1,041 |
| Average earning assets | $696,729,500 | 1,036 |
| Average equity | $89,649,000 | 1,031 |
| Average total loans | $558,192,500 | 1,000 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2535% | 900 |
| Cost of funding earning assets | 1.2886% | 788 |
| Net interest margin | 3.9650% | 1,958 |
| Noninterest income to average assets | 0.5871% | 2,284 |
| Noninterest expense to average assets | 1.8387% | 4,726 |
| Loan and lease loss provision to assets | 0.1682% | 1,237 |
| Net operating income to assets | 1.7678% | 566 |
| Return on assets (ROA) | 1.7730% | 592 |
| Pretax return on assets | 2.2454% | 349 |
| Return on Equity (ROE) | 15.7188% | 575 |
| Retained earnings to average equity (ytd only) | 15.7188% | 75 |
| Net charge-offs to loans | 0.0026% | 3,601 |
| Credit loss provision to net charge-offs | 8,928.5714% | 52 |
| Earnings coverage of net charge-offs (x) | 1,277.4286% | 76 |
| Efficiency ratio | 43.3064% | 5,003 |
| Assets per employee ($millions) | 6.5981% | 1,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1244% | 2,812 |
| Loan loss allowance to noncurrent loans | 199.7500% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 0.4181% | 2,722 |
| Noncurrent loans to loans | 0.5629% | 2,490 |
| Net loans and leases to total assets | 73.4374% | 1,849 |
| Net loans and leases to deposits | 112.6479% | 147 |
| Net loans and leases to core deposits | 127.9503% | 306 |
| Total domestic deposits to total assets | 65.1920% | 5,036 |
| Equity capital to assets | 11.9228% | 2,185 |
| Core capital (leverage) ratio | 9.9892% | 3,531 |
| Tier 1 risk-based capital ratio | 10.7971% | 4,925 |
| Total risk-based capital ratio | 11.7311% | 4,951 |
| Memoranda: |
| Average total assets | $742,984,000 | 1,030 |
| Average earning assets | $685,574,600 | 1,021 |
| Average equity | $83,804,200 | 1,046 |
| Average total loans | $545,957,400 | 987 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2785% | 902 |
| Cost of funding earning assets | 1.3390% | 696 |
| Net interest margin | 3.9395% | 2,136 |
| Noninterest income to average assets | 0.5844% | 2,287 |
| Noninterest expense to average assets | 1.8213% | 4,790 |
| Loan and lease loss provision to assets | 0.1447% | 1,324 |
| Net operating income to assets | 1.7831% | 633 |
| Return on assets (ROA) | 1.7877% | 661 |
| Pretax return on assets | 2.2671% | 398 |
| Return on Equity (ROE) | 16.0875% | 590 |
| Retained earnings to average equity (ytd only) | 16.0875% | 103 |
| Net charge-offs to loans | 0.0064% | 3,153 |
| Credit loss provision to net charge-offs | 3,076.9231% | 132 |
| Earnings coverage of net charge-offs (x) | 511.7072% | 193 |
| Efficiency ratio | 43.0857% | 5,045 |
| Assets per employee ($millions) | 6.6730% | 1,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0741% | 3,153 |
| Loan loss allowance to noncurrent loans | 309.3375% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.2542% | 3,552 |
| Noncurrent loans to loans | 0.3472% | 3,292 |
| Net loans and leases to total assets | 72.4274% | 2,103 |
| Net loans and leases to deposits | 108.1661% | 264 |
| Net loans and leases to core deposits | 115.8204% | 666 |
| Total domestic deposits to total assets | 66.9594% | 5,081 |
| Equity capital to assets | 11.3868% | 2,750 |
| Core capital (leverage) ratio | 9.3895% | 4,288 |
| Tier 1 risk-based capital ratio | 10.9323% | 4,946 |
| Total risk-based capital ratio | 11.8739% | 4,964 |
| Memoranda: |
| Average total assets | $737,384,000 | 1,035 |
| Average earning assets | $681,867,250 | 1,027 |
| Average equity | $81,941,500 | 1,058 |
| Average total loans | $540,329,250 | 1,000 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2213% | 941 |
| Cost of funding earning assets | 1.2676% | 824 |
| Net interest margin | 3.9537% | 2,083 |
| Noninterest income to average assets | 0.5766% | 2,259 |
| Noninterest expense to average assets | 1.9414% | 4,693 |
| Loan and lease loss provision to assets | 0.1366% | 1,356 |
| Net operating income to assets | 1.7239% | 691 |
| Return on assets (ROA) | 1.7294% | 713 |
| Pretax return on assets | 2.1740% | 471 |
| Return on Equity (ROE) | 15.6955% | 644 |
| Retained earnings to average equity (ytd only) | 15.6955% | 143 |
| Net charge-offs to loans | -0.0130% | 4,404 |
| Credit loss provision to net charge-offs | -1,428.5714% | 4,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7319% | 5,000 |
| Assets per employee ($millions) | 6.6023% | 1,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0438% | 3,371 |
| Loan loss allowance to noncurrent loans | 273.1637% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.3032% | 3,333 |
| Noncurrent loans to loans | 0.3821% | 3,155 |
| Net loans and leases to total assets | 72.3024% | 2,173 |
| Net loans and leases to deposits | 103.8434% | 428 |
| Net loans and leases to core deposits | 109.8823% | 984 |
| Total domestic deposits to total assets | 69.6264% | 5,059 |
| Equity capital to assets | 11.2861% | 2,790 |
| Core capital (leverage) ratio | 9.5696% | 4,082 |
| Tier 1 risk-based capital ratio | 11.2194% | 4,821 |
| Total risk-based capital ratio | 12.1279% | 4,878 |
| Memoranda: |
| Average total assets | $731,829,330 | 1,042 |
| Average earning assets | $679,066,330 | 1,034 |
| Average equity | $80,634,670 | 1,072 |
| Average total loans | $536,416,670 | 1,003 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9699% | 1,416 |
| Cost of funding earning assets | 1.1716% | 983 |
| Net interest margin | 3.7983% | 2,530 |
| Noninterest income to average assets | 0.5530% | 2,271 |
| Noninterest expense to average assets | 2.0367% | 4,582 |
| Loan and lease loss provision to assets | 0.1104% | 1,611 |
| Net operating income to assets | 1.5175% | 1,073 |
| Return on assets (ROA) | 1.5223% | 1,089 |
| Pretax return on assets | 1.9335% | 739 |
| Return on Equity (ROE) | 13.9909% | 974 |
| Retained earnings to average equity (ytd only) | 13.9909% | 352 |
| Net charge-offs to loans | -0.0158% | 4,395 |
| Credit loss provision to net charge-offs | -952.3810% | 3,920 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9865% | 4,827 |
| Assets per employee ($millions) | 6.4036% | 1,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9811% | 3,821 |
| Loan loss allowance to noncurrent loans | 241.8803% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.2993% | 3,409 |
| Noncurrent loans to loans | 0.4056% | 3,132 |
| Net loans and leases to total assets | 73.0548% | 1,964 |
| Net loans and leases to deposits | 103.0983% | 441 |
| Net loans and leases to core deposits | 108.4961% | 1,024 |
| Total domestic deposits to total assets | 70.8594% | 5,084 |
| Equity capital to assets | 10.8572% | 2,991 |
| Core capital (leverage) ratio | 9.4967% | 4,131 |
| Tier 1 risk-based capital ratio | 10.3346% | 5,215 |
| Total risk-based capital ratio | 11.1489% | 5,260 |
| Memoranda: |
| Average total assets | $724,711,500 | 1,050 |
| Average earning assets | $671,881,500 | 1,045 |
| Average equity | $78,851,000 | 1,089 |
| Average total loans | $532,068,500 | 1,019 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8327% | 1,462 |
| Cost of funding earning assets | 1.1645% | 391 |
| Net interest margin | 3.6682% | 3,164 |
| Noninterest income to average assets | 0.3202% | 3,965 |
| Noninterest expense to average assets | 1.6923% | 5,097 |
| Loan and lease loss provision to assets | 0.1178% | 1,866 |
| Net operating income to assets | 1.5454% | 1,005 |
| Return on assets (ROA) | 1.6165% | 831 |
| Pretax return on assets | 2.0765% | 464 |
| Return on Equity (ROE) | 12.3584% | 1,595 |
| Retained earnings to average equity (ytd only) | 12.3584% | 294 |
| Net charge-offs to loans | -0.0039% | 4,309 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,914 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5760% | 5,162 |
| Assets per employee ($millions) | 5.5638% | 1,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9990% | 3,704 |
| Loan loss allowance to noncurrent loans | 420.8980% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.1734% | 3,939 |
| Noncurrent loans to loans | 0.2374% | 3,731 |
| Net loans and leases to total assets | 72.3091% | 2,207 |
| Net loans and leases to deposits | 101.8893% | 601 |
| Net loans and leases to core deposits | 106.5460% | 1,225 |
| Total domestic deposits to total assets | 70.9683% | 5,121 |
| Equity capital to assets | 10.9046% | 2,789 |
| Core capital (leverage) ratio | 9.8401% | 3,760 |
| Tier 1 risk-based capital ratio | 9.3288% | 5,374 |
| Total risk-based capital ratio | 10.0604% | 5,385 |
| Memoranda: |
| Average total assets | $509,423,400 | 1,386 |
| Average earning assets | $482,772,600 | 1,357 |
| Average equity | $66,634,800 | 1,211 |
| Average total loans | $381,246,200 | 1,303 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8889% | 1,186 |
| Cost of funding earning assets | 1.1580% | 313 |
| Net interest margin | 3.7309% | 2,897 |
| Noninterest income to average assets | 0.2993% | 4,149 |
| Noninterest expense to average assets | 1.6888% | 5,145 |
| Loan and lease loss provision to assets | 0.1304% | 1,548 |
| Net operating income to assets | 1.6116% | 944 |
| Return on assets (ROA) | 1.6734% | 797 |
| Pretax return on assets | 2.1228% | 457 |
| Return on Equity (ROE) | 12.0252% | 1,783 |
| Retained earnings to average equity (ytd only) | 12.0252% | 476 |
| Net charge-offs to loans | -0.0061% | 4,265 |
| Credit loss provision to net charge-offs | -2,812.5000% | 4,789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7078% | 5,222 |
| Assets per employee ($millions) | 6.6584% | 1,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3738% | 1,801 |
| Loan loss allowance to noncurrent loans | 525.3935% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.1988% | 3,956 |
| Noncurrent loans to loans | 0.2615% | 3,748 |
| Net loans and leases to total assets | 74.9775% | 1,814 |
| Net loans and leases to deposits | 118.0480% | 126 |
| Net loans and leases to core deposits | 125.4346% | 429 |
| Total domestic deposits to total assets | 63.5144% | 5,357 |
| Equity capital to assets | 14.0058% | 958 |
| Core capital (leverage) ratio | 12.9945% | 1,280 |
| Tier 1 risk-based capital ratio | 13.6068% | 3,571 |
| Total risk-based capital ratio | 14.7321% | 3,553 |
| Memoranda: |
| Average total assets | $460,129,250 | 1,521 |
| Average earning assets | $439,598,750 | 1,484 |
| Average equity | $64,030,500 | 1,247 |
| Average total loans | $347,534,750 | 1,418 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7968% | 1,259 |
| Cost of funding earning assets | 1.0602% | 349 |
| Net interest margin | 3.7366% | 2,804 |
| Noninterest income to average assets | 0.3112% | 4,095 |
| Noninterest expense to average assets | 1.7108% | 5,185 |
| Loan and lease loss provision to assets | 0.1322% | 1,496 |
| Net operating income to assets | 1.5997% | 920 |
| Return on assets (ROA) | 1.6791% | 761 |
| Pretax return on assets | 2.1388% | 445 |
| Return on Equity (ROE) | 12.0935% | 1,691 |
| Retained earnings to average equity (ytd only) | 12.0935% | 502 |
| Net charge-offs to loans | -0.0058% | 4,149 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0772% | 5,284 |
| Assets per employee ($millions) | 6.6771% | 1,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3576% | 1,909 |
| Loan loss allowance to noncurrent loans | 498.5612% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.2082% | 3,960 |
| Noncurrent loans to loans | 0.2723% | 3,739 |
| Net loans and leases to total assets | 75.4100% | 1,737 |
| Net loans and leases to deposits | 112.1187% | 234 |
| Net loans and leases to core deposits | 121.0507% | 540 |
| Total domestic deposits to total assets | 67.2591% | 5,356 |
| Equity capital to assets | 13.8474% | 970 |
| Core capital (leverage) ratio | 12.9937% | 1,217 |
| Tier 1 risk-based capital ratio | 12.9374% | 3,922 |
| Total risk-based capital ratio | 14.0088% | 3,935 |
| Memoranda: |
| Average total assets | $453,703,000 | 1,545 |
| Average earning assets | $433,497,330 | 1,510 |
| Average equity | $62,992,330 | 1,271 |
| Average total loans | $341,894,670 | 1,436 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7206% | 1,260 |
| Cost of funding earning assets | 0.9773% | 415 |
| Net interest margin | 3.7433% | 2,638 |
| Noninterest income to average assets | 0.3017% | 4,143 |
| Noninterest expense to average assets | 1.8162% | 5,139 |
| Loan and lease loss provision to assets | 0.1343% | 1,405 |
| Net operating income to assets | 1.5158% | 1,044 |
| Return on assets (ROA) | 1.6247% | 814 |
| Pretax return on assets | 2.0687% | 503 |
| Return on Equity (ROE) | 11.6856% | 1,693 |
| Retained earnings to average equity (ytd only) | 11.6856% | 745 |
| Net charge-offs to loans | -0.0120% | 4,326 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7943% | 5,240 |
| Assets per employee ($millions) | 6.1514% | 1,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3906% | 1,878 |
| Loan loss allowance to noncurrent loans | 482.6489% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.2169% | 4,013 |
| Noncurrent loans to loans | 0.2881% | 3,742 |
| Net loans and leases to total assets | 74.2378% | 1,819 |
| Net loans and leases to deposits | 106.7694% | 353 |
| Net loans and leases to core deposits | 121.2004% | 551 |
| Total domestic deposits to total assets | 69.5309% | 5,377 |
| Equity capital to assets | 14.0659% | 877 |
| Core capital (leverage) ratio | 12.9491% | 1,199 |
| Tier 1 risk-based capital ratio | 13.5992% | 3,601 |
| Total risk-based capital ratio | 14.7290% | 3,583 |
| Memoranda: |
| Average total assets | $446,857,500 | 1,576 |
| Average earning assets | $427,318,000 | 1,529 |
| Average equity | $62,127,500 | 1,288 |
| Average total loans | $334,185,500 | 1,469 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5547% | 1,549 |
| Cost of funding earning assets | 0.7889% | 657 |
| Net interest margin | 3.7659% | 2,543 |
| Noninterest income to average assets | 0.4035% | 3,618 |
| Noninterest expense to average assets | 1.8609% | 5,175 |
| Loan and lease loss provision to assets | 0.1409% | 1,617 |
| Net operating income to assets | 1.2371% | 1,405 |
| Return on assets (ROA) | 1.4489% | 924 |
| Pretax return on assets | 2.3346% | 250 |
| Return on Equity (ROE) | 10.6404% | 1,621 |
| Retained earnings to average equity (ytd only) | 10.6404% | 280 |
| Net charge-offs to loans | 0.0003% | 4,123 |
| Credit loss provision to net charge-offs | 60,000.0000% | 4 |
| Earnings coverage of net charge-offs (x) | 9,135.0000% | 5 |
| Efficiency ratio | 46.4600% | 5,383 |
| Assets per employee ($millions) | 6.2629% | 1,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3748% | 1,858 |
| Loan loss allowance to noncurrent loans | 482.5717% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.2116% | 4,076 |
| Noncurrent loans to loans | 0.2849% | 3,761 |
| Net loans and leases to total assets | 73.2606% | 2,054 |
| Net loans and leases to deposits | 112.3266% | 208 |
| Net loans and leases to core deposits | 119.5920% | 600 |
| Total domestic deposits to total assets | 65.2211% | 5,533 |
| Equity capital to assets | 13.7389% | 976 |
| Core capital (leverage) ratio | 12.5884% | 1,314 |
| Tier 1 risk-based capital ratio | 13.2528% | 3,760 |
| Total risk-based capital ratio | 14.3717% | 3,750 |
| Memoranda: |
| Average total assets | $425,977,200 | 1,622 |
| Average earning assets | $407,424,400 | 1,574 |
| Average equity | $58,005,400 | 1,355 |
| Average total loans | $302,673,600 | 1,555 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5169% | 1,598 |
| Cost of funding earning assets | 0.7552% | 738 |
| Net interest margin | 3.7617% | 2,535 |
| Noninterest income to average assets | 0.4092% | 3,623 |
| Noninterest expense to average assets | 1.9254% | 5,102 |
| Loan and lease loss provision to assets | 0.1424% | 1,483 |
| Net operating income to assets | 1.2839% | 1,391 |
| Return on assets (ROA) | 1.5659% | 792 |
| Pretax return on assets | 2.3675% | 268 |
| Return on Equity (ROE) | 11.5267% | 1,479 |
| Retained earnings to average equity (ytd only) | 11.5267% | 338 |
| Net charge-offs to loans | 0.0004% | 3,788 |
| Credit loss provision to net charge-offs | 45,000.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 6,597.3308% | 6 |
| Efficiency ratio | 48.0379% | 5,339 |
| Assets per employee ($millions) | 6.0319% | 1,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3787% | 1,984 |
| Loan loss allowance to noncurrent loans | 464.6561% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.2146% | 4,219 |
| Noncurrent loans to loans | 0.2967% | 3,876 |
| Net loans and leases to total assets | 71.3327% | 2,353 |
| Net loans and leases to deposits | 97.8230% | 937 |
| Net loans and leases to core deposits | 103.5096% | 1,429 |
| Total domestic deposits to total assets | 72.9201% | 5,320 |
| Equity capital to assets | 13.4805% | 1,163 |
| Core capital (leverage) ratio | 12.8355% | 1,274 |
| Tier 1 risk-based capital ratio | 13.3819% | 3,780 |
| Total risk-based capital ratio | 14.4676% | 3,786 |
| Memoranda: |
| Average total assets | $421,305,000 | 1,640 |
| Average earning assets | $403,071,500 | 1,599 |
| Average equity | $57,233,750 | 1,383 |
| Average total loans | $295,765,500 | 1,598 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5328% | 1,429 |
| Cost of funding earning assets | 0.6941% | 920 |
| Net interest margin | 3.8387% | 2,139 |
| Noninterest income to average assets | 0.3861% | 3,782 |
| Noninterest expense to average assets | 1.9390% | 5,109 |
| Loan and lease loss provision to assets | 0.1446% | 1,411 |
| Net operating income to assets | 1.3181% | 1,259 |
| Return on assets (ROA) | 1.5929% | 740 |
| Pretax return on assets | 2.3805% | 261 |
| Return on Equity (ROE) | 11.6939% | 1,390 |
| Retained earnings to average equity (ytd only) | 11.6939% | 350 |
| Net charge-offs to loans | 0.0028% | 3,401 |
| Credit loss provision to net charge-offs | 7,500.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 1,097.0000% | 61 |
| Efficiency ratio | 47.8302% | 5,398 |
| Assets per employee ($millions) | 5.6610% | 1,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4158% | 1,883 |
| Loan loss allowance to noncurrent loans | 362.4465% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.2717% | 4,034 |
| Noncurrent loans to loans | 0.3906% | 3,621 |
| Net loans and leases to total assets | 68.5733% | 2,729 |
| Net loans and leases to deposits | 91.0505% | 1,600 |
| Net loans and leases to core deposits | 93.1328% | 2,233 |
| Total domestic deposits to total assets | 75.3135% | 5,167 |
| Equity capital to assets | 13.5976% | 1,115 |
| Core capital (leverage) ratio | 12.5044% | 1,363 |
| Tier 1 risk-based capital ratio | 13.3245% | 3,790 |
| Total risk-based capital ratio | 14.4003% | 3,818 |
| Memoranda: |
| Average total assets | $414,963,000 | 1,668 |
| Average earning assets | $396,486,000 | 1,625 |
| Average equity | $56,525,330 | 1,401 |
| Average total loans | $288,190,330 | 1,623 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2967% | 1,957 |
| Cost of funding earning assets | 0.6198% | 1,240 |
| Net interest margin | 3.6769% | 2,573 |
| Noninterest income to average assets | 0.3859% | 3,764 |
| Noninterest expense to average assets | 2.0956% | 4,859 |
| Loan and lease loss provision to assets | 0.1473% | 1,268 |
| Net operating income to assets | 1.1026% | 1,858 |
| Return on assets (ROA) | 1.4357% | 950 |
| Pretax return on assets | 2.1663% | 373 |
| Return on Equity (ROE) | 10.5299% | 1,728 |
| Retained earnings to average equity (ytd only) | 10.5299% | 697 |
| Net charge-offs to loans | 0.0042% | 2,827 |
| Credit loss provision to net charge-offs | 5,000.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 614.0000% | 88 |
| Efficiency ratio | 53.6720% | 5,163 |
| Assets per employee ($millions) | 5.1985% | 2,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4110% | 2,034 |
| Loan loss allowance to noncurrent loans | 214.3082% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 0.4646% | 3,349 |
| Noncurrent loans to loans | 0.6584% | 2,857 |
| Net loans and leases to total assets | 69.5684% | 2,457 |
| Net loans and leases to deposits | 93.1676% | 1,203 |
| Net loans and leases to core deposits | 103.6158% | 1,244 |
| Total domestic deposits to total assets | 74.6702% | 5,364 |
| Equity capital to assets | 13.8372% | 955 |
| Core capital (leverage) ratio | 12.2631% | 1,463 |
| Tier 1 risk-based capital ratio | 12.4636% | 4,411 |
| Total risk-based capital ratio | 13.5082% | 4,438 |
| Memoranda: |
| Average total assets | $407,325,000 | 1,704 |
| Average earning assets | $389,789,500 | 1,658 |
| Average equity | $55,537,000 | 1,418 |
| Average total loans | $282,652,500 | 1,658 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2266% | 2,399 |
| Cost of funding earning assets | 0.5611% | 1,599 |
| Net interest margin | 3.6655% | 2,838 |
| Noninterest income to average assets | 0.4475% | 3,563 |
| Noninterest expense to average assets | 1.9582% | 5,270 |
| Loan and lease loss provision to assets | 0.1308% | 1,902 |
| Net operating income to assets | 1.2371% | 1,388 |
| Return on assets (ROA) | 1.3530% | 1,147 |
| Pretax return on assets | 2.0526% | 444 |
| Return on Equity (ROE) | 10.1338% | 1,905 |
| Retained earnings to average equity (ytd only) | 10.1338% | 390 |
| Net charge-offs to loans | 0.0765% | 2,604 |
| Credit loss provision to net charge-offs | 252.5510% | 1,146 |
| Earnings coverage of net charge-offs (x) | 38.7602% | 1,202 |
| Efficiency ratio | 49.3736% | 5,512 |
| Assets per employee ($millions) | 5.3154% | 2,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4308% | 1,955 |
| Loan loss allowance to noncurrent loans | 147.8065% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 0.6602% | 2,743 |
| Noncurrent loans to loans | 0.9680% | 2,152 |
| Net loans and leases to total assets | 67.2254% | 2,897 |
| Net loans and leases to deposits | 91.0355% | 1,574 |
| Net loans and leases to core deposits | 104.7736% | 1,225 |
| Total domestic deposits to total assets | 73.8452% | 5,452 |
| Equity capital to assets | 13.4285% | 1,083 |
| Core capital (leverage) ratio | 12.2877% | 1,438 |
| Tier 1 risk-based capital ratio | 13.5178% | 3,760 |
| Total risk-based capital ratio | 14.6266% | 3,751 |
| Memoranda: |
| Average total assets | $378,354,600 | 1,772 |
| Average earning assets | $363,199,000 | 1,711 |
| Average equity | $50,514,000 | 1,502 |
| Average total loans | $256,353,000 | 1,757 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1953% | 2,532 |
| Cost of funding earning assets | 0.5534% | 1,660 |
| Net interest margin | 3.6419% | 2,920 |
| Noninterest income to average assets | 0.4642% | 3,460 |
| Noninterest expense to average assets | 1.9697% | 5,270 |
| Loan and lease loss provision to assets | 0.1237% | 1,884 |
| Net operating income to assets | 1.2357% | 1,501 |
| Return on assets (ROA) | 1.2546% | 1,543 |
| Pretax return on assets | 1.9027% | 705 |
| Return on Equity (ROE) | 9.4120% | 2,304 |
| Retained earnings to average equity (ytd only) | 9.4120% | 712 |
| Net charge-offs to loans | 0.0376% | 2,873 |
| Credit loss provision to net charge-offs | 485.9155% | 725 |
| Earnings coverage of net charge-offs (x) | 78.4965% | 798 |
| Efficiency ratio | 49.6476% | 5,525 |
| Assets per employee ($millions) | 5.4576% | 1,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4695% | 1,890 |
| Loan loss allowance to noncurrent loans | 131.5754% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 0.7576% | 2,656 |
| Noncurrent loans to loans | 1.1168% | 2,018 |
| Net loans and leases to total assets | 66.8386% | 2,979 |
| Net loans and leases to deposits | 91.2379% | 1,602 |
| Net loans and leases to core deposits | 109.0974% | 978 |
| Total domestic deposits to total assets | 73.2575% | 5,500 |
| Equity capital to assets | 13.0165% | 1,479 |
| Core capital (leverage) ratio | 12.3367% | 1,469 |
| Tier 1 risk-based capital ratio | 13.6466% | 3,771 |
| Total risk-based capital ratio | 14.7922% | 3,749 |
| Memoranda: |
| Average total assets | $371,951,250 | 1,802 |
| Average earning assets | $357,789,000 | 1,734 |
| Average equity | $49,580,750 | 1,533 |
| Average total loans | $251,563,500 | 1,786 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1585% | 2,646 |
| Cost of funding earning assets | 0.5485% | 1,708 |
| Net interest margin | 3.6099% | 3,063 |
| Noninterest income to average assets | 0.4576% | 3,473 |
| Noninterest expense to average assets | 1.9274% | 5,409 |
| Loan and lease loss provision to assets | 0.1151% | 1,964 |
| Net operating income to assets | 1.2421% | 1,456 |
| Return on assets (ROA) | 1.2511% | 1,531 |
| Pretax return on assets | 1.9055% | 689 |
| Return on Equity (ROE) | 9.3073% | 2,360 |
| Retained earnings to average equity (ytd only) | 9.3073% | 771 |
| Net charge-offs to loans | -0.2223% | 5,825 |
| Credit loss provision to net charge-offs | -76.6423% | 4,577 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9901% | 5,620 |
| Assets per employee ($millions) | 9.0126% | 386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6147% | 1,489 |
| Loan loss allowance to noncurrent loans | 128.1988% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 0.8507% | 2,465 |
| Noncurrent loans to loans | 1.2595% | 1,819 |
| Net loans and leases to total assets | 66.4485% | 3,017 |
| Net loans and leases to deposits | 87.0624% | 2,124 |
| Net loans and leases to core deposits | 93.5187% | 2,209 |
| Total domestic deposits to total assets | 76.3228% | 5,249 |
| Equity capital to assets | 13.1610% | 1,413 |
| Core capital (leverage) ratio | 12.5727% | 1,316 |
| Tier 1 risk-based capital ratio | 13.6398% | 3,811 |
| Total risk-based capital ratio | 14.8787% | 3,741 |
| Memoranda: |
| Average total assets | $364,952,330 | 1,837 |
| Average earning assets | $351,475,670 | 1,766 |
| Average equity | $49,058,330 | 1,550 |
| Average total loans | $246,565,330 | 1,816 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2211% | 2,399 |
| Cost of funding earning assets | 0.5446% | 1,757 |
| Net interest margin | 3.6764% | 2,777 |
| Noninterest income to average assets | 0.4456% | 3,518 |
| Noninterest expense to average assets | 1.8874% | 5,541 |
| Loan and lease loss provision to assets | 0.1173% | 1,795 |
| Net operating income to assets | 1.2862% | 1,286 |
| Return on assets (ROA) | 1.2877% | 1,367 |
| Pretax return on assets | 1.9790% | 597 |
| Return on Equity (ROE) | 9.4744% | 2,208 |
| Retained earnings to average equity (ytd only) | 9.4744% | 982 |
| Net charge-offs to loans | -0.5041% | 5,993 |
| Credit loss provision to net charge-offs | -34.4262% | 4,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4053% | 5,752 |
| Assets per employee ($millions) | 5.5731% | 1,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6413% | 1,503 |
| Loan loss allowance to noncurrent loans | 90.5294% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 1.2172% | 1,791 |
| Noncurrent loans to loans | 1.8130% | 1,226 |
| Net loans and leases to total assets | 66.0341% | 2,939 |
| Net loans and leases to deposits | 88.6410% | 1,746 |
| Net loans and leases to core deposits | 101.0160% | 1,405 |
| Total domestic deposits to total assets | 74.4961% | 5,566 |
| Equity capital to assets | 13.3334% | 1,249 |
| Core capital (leverage) ratio | 12.8095% | 1,232 |
| Tier 1 risk-based capital ratio | 14.2666% | 3,517 |
| Total risk-based capital ratio | 15.5170% | 3,445 |
| Memoranda: |
| Average total assets | $358,164,500 | 1,872 |
| Average earning assets | $344,463,500 | 1,809 |
| Average equity | $48,678,500 | 1,555 |
| Average total loans | $242,021,000 | 1,847 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9430% | 3,554 |
| Cost of funding earning assets | 0.4571% | 2,558 |
| Net interest margin | 3.4859% | 3,569 |
| Noninterest income to average assets | 0.5087% | 3,262 |
| Noninterest expense to average assets | 2.0836% | 5,283 |
| Loan and lease loss provision to assets | 0.0901% | 2,499 |
| Net operating income to assets | 1.0914% | 1,962 |
| Return on assets (ROA) | 1.1380% | 1,844 |
| Pretax return on assets | 1.7260% | 941 |
| Return on Equity (ROE) | 7.9725% | 2,973 |
| Retained earnings to average equity (ytd only) | 7.9725% | 927 |
| Net charge-offs to loans | 0.0473% | 3,270 |
| Credit loss provision to net charge-offs | 297.0297% | 998 |
| Earnings coverage of net charge-offs (x) | 57.5149% | 895 |
| Efficiency ratio | 54.4142% | 5,495 |
| Assets per employee ($millions) | 5.1251% | 2,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5369% | 1,837 |
| Loan loss allowance to noncurrent loans | 205.7595% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.5082% | 3,610 |
| Noncurrent loans to loans | 0.7469% | 2,939 |
| Net loans and leases to total assets | 66.9878% | 2,856 |
| Net loans and leases to deposits | 84.3969% | 2,318 |
| Net loans and leases to core deposits | 94.3810% | 2,013 |
| Total domestic deposits to total assets | 79.3723% | 4,893 |
| Equity capital to assets | 13.8631% | 978 |
| Core capital (leverage) ratio | 12.8465% | 1,209 |
| Tier 1 risk-based capital ratio | 14.6170% | 3,371 |
| Total risk-based capital ratio | 15.8260% | 3,315 |
| Memoranda: |
| Average total assets | $332,786,000 | 1,978 |
| Average earning assets | $316,990,000 | 1,909 |
| Average equity | $47,500,800 | 1,559 |
| Average total loans | $213,641,200 | 1,967 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9004% | 3,743 |
| Cost of funding earning assets | 0.4496% | 2,687 |
| Net interest margin | 3.4508% | 3,748 |
| Noninterest income to average assets | 0.5165% | 3,251 |
| Noninterest expense to average assets | 2.0519% | 5,380 |
| Loan and lease loss provision to assets | 0.0912% | 2,345 |
| Net operating income to assets | 1.0997% | 2,008 |
| Return on assets (ROA) | 1.1008% | 2,084 |
| Pretax return on assets | 1.6550% | 1,226 |
| Return on Equity (ROE) | 7.6535% | 3,253 |
| Retained earnings to average equity (ytd only) | 7.6535% | 1,390 |
| Net charge-offs to loans | 0.0655% | 2,640 |
| Credit loss provision to net charge-offs | 220.5882% | 1,237 |
| Earnings coverage of net charge-offs (x) | 42.1852% | 1,190 |
| Efficiency ratio | 54.0474% | 5,511 |
| Assets per employee ($millions) | 4.8921% | 2,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5984% | 1,796 |
| Loan loss allowance to noncurrent loans | 233.1373% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.4624% | 3,945 |
| Noncurrent loans to loans | 0.6856% | 3,267 |
| Net loans and leases to total assets | 65.0539% | 3,144 |
| Net loans and leases to deposits | 80.8797% | 2,780 |
| Net loans and leases to core deposits | 90.8491% | 2,369 |
| Total domestic deposits to total assets | 80.4329% | 4,634 |
| Equity capital to assets | 14.2417% | 933 |
| Core capital (leverage) ratio | 13.5409% | 1,002 |
| Tier 1 risk-based capital ratio | 15.9672% | 2,812 |
| Total risk-based capital ratio | 17.2180% | 2,754 |
| Memoranda: |
| Average total assets | $328,855,750 | 2,012 |
| Average earning assets | $312,579,250 | 1,951 |
| Average equity | $47,297,500 | 1,573 |
| Average total loans | $207,776,250 | 2,019 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8491% | 3,874 |
| Cost of funding earning assets | 0.4487% | 2,745 |
| Net interest margin | 3.4004% | 3,908 |
| Noninterest income to average assets | 0.5062% | 3,334 |
| Noninterest expense to average assets | 2.0616% | 5,413 |
| Loan and lease loss provision to assets | 0.0920% | 2,279 |
| Net operating income to assets | 1.0570% | 2,114 |
| Return on assets (ROA) | 1.0590% | 2,209 |
| Pretax return on assets | 1.5922% | 1,347 |
| Return on Equity (ROE) | 7.3386% | 3,413 |
| Retained earnings to average equity (ytd only) | 7.3386% | 1,550 |
| Net charge-offs to loans | 0.1007% | 2,000 |
| Credit loss provision to net charge-offs | 147.0588% | 1,559 |
| Earnings coverage of net charge-offs (x) | 26.8627% | 1,471 |
| Efficiency ratio | 55.0820% | 5,504 |
| Assets per employee ($millions) | 5.2946% | 1,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7663% | 1,441 |
| Loan loss allowance to noncurrent loans | 280.0321% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.4309% | 4,199 |
| Noncurrent loans to loans | 0.6307% | 3,582 |
| Net loans and leases to total assets | 61.1365% | 3,672 |
| Net loans and leases to deposits | 73.3844% | 3,569 |
| Net loans and leases to core deposits | 81.9607% | 3,183 |
| Total domestic deposits to total assets | 83.3099% | 3,827 |
| Equity capital to assets | 14.9739% | 709 |
| Core capital (leverage) ratio | 13.5727% | 967 |
| Tier 1 risk-based capital ratio | 16.6190% | 2,556 |
| Total risk-based capital ratio | 17.8704% | 2,508 |
| Memoranda: |
| Average total assets | $325,955,330 | 2,043 |
| Average earning assets | $310,254,670 | 1,976 |
| Average equity | $47,038,670 | 1,589 |
| Average total loans | $202,648,000 | 2,063 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7999% | 4,008 |
| Cost of funding earning assets | 0.4424% | 2,857 |
| Net interest margin | 3.3575% | 3,995 |
| Noninterest income to average assets | 0.4629% | 3,553 |
| Noninterest expense to average assets | 1.9546% | 5,652 |
| Loan and lease loss provision to assets | 0.0909% | 2,175 |
| Net operating income to assets | 1.0760% | 1,945 |
| Return on assets (ROA) | 1.0760% | 2,063 |
| Pretax return on assets | 1.6177% | 1,228 |
| Return on Equity (ROE) | 7.5940% | 3,170 |
| Retained earnings to average equity (ytd only) | 7.5940% | 1,725 |
| Net charge-offs to loans | 0.2048% | 1,118 |
| Credit loss provision to net charge-offs | 71.4286% | 1,900 |
| Earnings coverage of net charge-offs (x) | 13.4286% | 1,725 |
| Efficiency ratio | 53.3576% | 5,725 |
| Assets per employee ($millions) | 4.6459% | 2,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7607% | 1,588 |
| Loan loss allowance to noncurrent loans | 547.9936% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.3210% | 4,700 |
| Noncurrent loans to loans | 0.3213% | 4,639 |
| Net loans and leases to total assets | 60.2951% | 3,612 |
| Net loans and leases to deposits | 71.0937% | 3,631 |
| Net loans and leases to core deposits | 79.3777% | 3,238 |
| Total domestic deposits to total assets | 84.8108% | 3,500 |
| Equity capital to assets | 14.9227% | 729 |
| Core capital (leverage) ratio | 13.2410% | 1,070 |
| Tier 1 risk-based capital ratio | 17.6860% | 2,242 |
| Total risk-based capital ratio | 18.9383% | 2,205 |
| Memoranda: |
| Average total assets | $330,096,500 | 2,022 |
| Average earning assets | $314,636,500 | 1,961 |
| Average equity | $46,774,000 | 1,600 |
| Average total loans | $205,119,000 | 2,050 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0067% | 3,705 |
| Cost of funding earning assets | 0.4874% | 2,806 |
| Net interest margin | 3.5193% | 3,722 |
| Noninterest income to average assets | 0.5409% | 3,228 |
| Noninterest expense to average assets | 2.1814% | 5,386 |
| Loan and lease loss provision to assets | 0.0969% | 2,532 |
| Net operating income to assets | 1.0802% | 2,052 |
| Return on assets (ROA) | 1.2920% | 1,372 |
| Pretax return on assets | 1.9343% | 587 |
| Return on Equity (ROE) | 9.0210% | 2,570 |
| Retained earnings to average equity (ytd only) | 9.0210% | 701 |
| Net charge-offs to loans | 0.0496% | 3,833 |
| Credit loss provision to net charge-offs | 306.1224% | 851 |
| Earnings coverage of net charge-offs (x) | 54.1939% | 865 |
| Efficiency ratio | 55.9838% | 5,666 |
| Assets per employee ($millions) | 5.1384% | 2,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5919% | 2,120 |
| Loan loss allowance to noncurrent loans | 1,204.1958% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.2588% | 4,995 |
| Noncurrent loans to loans | 0.1322% | 5,368 |
| Net loans and leases to total assets | 61.8392% | 3,525 |
| Net loans and leases to deposits | 71.7130% | 3,713 |
| Net loans and leases to core deposits | 79.4544% | 3,356 |
| Total domestic deposits to total assets | 86.2315% | 2,704 |
| Equity capital to assets | 13.4789% | 1,170 |
| Core capital (leverage) ratio | 12.8119% | 1,207 |
| Tier 1 risk-based capital ratio | 16.3219% | 2,803 |
| Total risk-based capital ratio | 17.5735% | 2,745 |
| Memoranda: |
| Average total assets | $309,669,400 | 2,100 |
| Average earning assets | $295,259,000 | 2,032 |
| Average equity | $44,352,200 | 1,628 |
| Average total loans | $197,475,600 | 2,057 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0348% | 3,617 |
| Cost of funding earning assets | 0.5007% | 2,756 |
| Net interest margin | 3.5341% | 3,700 |
| Noninterest income to average assets | 0.5647% | 3,102 |
| Noninterest expense to average assets | 2.1814% | 5,388 |
| Loan and lease loss provision to assets | 0.0997% | 2,378 |
| Net operating income to assets | 1.1027% | 2,017 |
| Return on assets (ROA) | 1.3288% | 1,351 |
| Pretax return on assets | 1.9883% | 586 |
| Return on Equity (ROE) | 9.1240% | 2,614 |
| Retained earnings to average equity (ytd only) | 9.1240% | 948 |
| Net charge-offs to loans | 0.0346% | 3,797 |
| Credit loss provision to net charge-offs | 450.0000% | 631 |
| Earnings coverage of net charge-offs (x) | 79.0340% | 711 |
| Efficiency ratio | 55.4805% | 5,708 |
| Assets per employee ($millions) | 4.5344% | 2,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7192% | 1,913 |
| Loan loss allowance to noncurrent loans | 928.5326% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.3321% | 4,940 |
| Noncurrent loans to loans | 0.1851% | 5,356 |
| Net loans and leases to total assets | 63.3523% | 3,290 |
| Net loans and leases to deposits | 74.5895% | 3,359 |
| Net loans and leases to core deposits | 85.8853% | 2,679 |
| Total domestic deposits to total assets | 84.9345% | 3,364 |
| Equity capital to assets | 14.8028% | 772 |
| Core capital (leverage) ratio | 13.1855% | 1,105 |
| Tier 1 risk-based capital ratio | 17.3479% | 2,452 |
| Total risk-based capital ratio | 18.6013% | 2,410 |
| Memoranda: |
| Average total assets | $301,018,750 | 2,166 |
| Average earning assets | $286,801,000 | 2,101 |
| Average equity | $43,839,250 | 1,651 |
| Average total loans | $192,759,750 | 2,103 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0886% | 3,394 |
| Cost of funding earning assets | 0.4989% | 2,846 |
| Net interest margin | 3.5898% | 3,401 |
| Noninterest income to average assets | 0.5640% | 3,022 |
| Noninterest expense to average assets | 2.2199% | 5,363 |
| Loan and lease loss provision to assets | 0.1005% | 2,344 |
| Net operating income to assets | 1.1085% | 1,909 |
| Return on assets (ROA) | 1.4495% | 1,004 |
| Pretax return on assets | 2.1703% | 387 |
| Return on Equity (ROE) | 10.0097% | 2,152 |
| Retained earnings to average equity (ytd only) | 10.0097% | 715 |
| Net charge-offs to loans | 0.0598% | 3,122 |
| Credit loss provision to net charge-offs | 263.1579% | 957 |
| Earnings coverage of net charge-offs (x) | 46.1404% | 961 |
| Efficiency ratio | 55.7537% | 5,767 |
| Assets per employee ($millions) | 4.4282% | 3,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7154% | 2,084 |
| Loan loss allowance to noncurrent loans | 779.2056% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.3227% | 5,089 |
| Noncurrent loans to loans | 0.2201% | 5,345 |
| Net loans and leases to total assets | 62.5389% | 3,318 |
| Net loans and leases to deposits | 73.3020% | 3,416 |
| Net loans and leases to core deposits | 85.2388% | 2,587 |
| Total domestic deposits to total assets | 85.3168% | 3,352 |
| Equity capital to assets | 14.4934% | 821 |
| Core capital (leverage) ratio | 13.2891% | 1,054 |
| Tier 1 risk-based capital ratio | 17.6177% | 2,377 |
| Total risk-based capital ratio | 18.8710% | 2,348 |
| Memoranda: |
| Average total assets | $298,578,000 | 2,184 |
| Average earning assets | $284,253,000 | 2,106 |
| Average equity | $43,238,000 | 1,657 |
| Average total loans | $190,760,330 | 2,120 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2073% | 2,849 |
| Cost of funding earning assets | 0.4938% | 2,973 |
| Net interest margin | 3.7135% | 2,812 |
| Noninterest income to average assets | 0.5327% | 3,174 |
| Noninterest expense to average assets | 2.1837% | 5,497 |
| Loan and lease loss provision to assets | 0.1017% | 2,226 |
| Net operating income to assets | 1.1815% | 1,536 |
| Return on assets (ROA) | 1.6347% | 660 |
| Pretax return on assets | 2.4507% | 244 |
| Return on Equity (ROE) | 11.2935% | 1,607 |
| Retained earnings to average equity (ytd only) | 11.2935% | 706 |
| Net charge-offs to loans | -0.0064% | 4,882 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7896% | 6,030 |
| Assets per employee ($millions) | 4.2364% | 3,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7983% | 2,050 |
| Loan loss allowance to noncurrent loans | 713.9785% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.4742% | 4,714 |
| Noncurrent loans to loans | 0.2519% | 5,349 |
| Net loans and leases to total assets | 62.0241% | 3,236 |
| Net loans and leases to deposits | 73.1708% | 3,172 |
| Net loans and leases to core deposits | 80.6927% | 2,889 |
| Total domestic deposits to total assets | 84.7661% | 3,965 |
| Equity capital to assets | 14.7259% | 729 |
| Core capital (leverage) ratio | 13.2041% | 1,084 |
| Tier 1 risk-based capital ratio | 17.7924% | 2,381 |
| Total risk-based capital ratio | 19.0464% | 2,348 |
| Memoranda: |
| Average total assets | $295,094,000 | 2,201 |
| Average earning assets | $280,273,000 | 2,145 |
| Average equity | $42,715,000 | 1,666 |
| Average total loans | $188,930,500 | 2,144 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1640% | 3,482 |
| Cost of funding earning assets | 0.5292% | 3,295 |
| Net interest margin | 3.6348% | 3,309 |
| Noninterest income to average assets | 0.6682% | 2,716 |
| Noninterest expense to average assets | 2.2642% | 5,471 |
| Loan and lease loss provision to assets | 0.2040% | 1,819 |
| Net operating income to assets | 1.1044% | 1,919 |
| Return on assets (ROA) | 1.3368% | 1,204 |
| Pretax return on assets | 1.9989% | 480 |
| Return on Equity (ROE) | 9.7681% | 2,208 |
| Retained earnings to average equity (ytd only) | 9.7681% | 600 |
| Net charge-offs to loans | -0.0796% | 6,433 |
| Credit loss provision to net charge-offs | -405.4054% | 6,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9521% | 6,053 |
| Assets per employee ($millions) | 4.4460% | 2,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6777% | 2,469 |
| Loan loss allowance to noncurrent loans | 299.3536% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.4676% | 4,837 |
| Noncurrent loans to loans | 0.5604% | 4,587 |
| Net loans and leases to total assets | 63.7833% | 3,073 |
| Net loans and leases to deposits | 85.0608% | 1,802 |
| Net loans and leases to core deposits | 91.7164% | 1,819 |
| Total domestic deposits to total assets | 74.9855% | 6,198 |
| Equity capital to assets | 14.2289% | 846 |
| Core capital (leverage) ratio | 12.4438% | 1,386 |
| Tier 1 risk-based capital ratio | 16.7341% | 2,745 |
| Total risk-based capital ratio | 17.9873% | 2,696 |
| Memoranda: |
| Average total assets | $294,055,000 | 2,182 |
| Average earning assets | $279,271,600 | 2,122 |
| Average equity | $40,243,400 | 1,737 |
| Average total loans | $185,894,600 | 2,146 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1494% | 3,567 |
| Cost of funding earning assets | 0.5375% | 3,383 |
| Net interest margin | 3.6119% | 3,394 |
| Noninterest income to average assets | 0.6864% | 2,685 |
| Noninterest expense to average assets | 2.2386% | 5,510 |
| Loan and lease loss provision to assets | 0.2047% | 1,773 |
| Net operating income to assets | 1.1198% | 1,934 |
| Return on assets (ROA) | 1.3015% | 1,407 |
| Pretax return on assets | 1.9442% | 660 |
| Return on Equity (ROE) | 9.6066% | 2,352 |
| Retained earnings to average equity (ytd only) | 9.6066% | 883 |
| Net charge-offs to loans | -0.1847% | 6,634 |
| Credit loss provision to net charge-offs | -176.4706% | 5,877 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3817% | 6,074 |
| Assets per employee ($millions) | 4.4103% | 3,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7245% | 2,540 |
| Loan loss allowance to noncurrent loans | 201.5753% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.5455% | 4,806 |
| Noncurrent loans to loans | 0.8555% | 4,110 |
| Net loans and leases to total assets | 61.6945% | 3,421 |
| Net loans and leases to deposits | 77.8233% | 2,698 |
| Net loans and leases to core deposits | 82.7715% | 2,794 |
| Total domestic deposits to total assets | 79.2751% | 5,683 |
| Equity capital to assets | 13.9010% | 993 |
| Core capital (leverage) ratio | 12.3736% | 1,485 |
| Tier 1 risk-based capital ratio | 17.1102% | 2,664 |
| Total risk-based capital ratio | 18.3639% | 2,626 |
| Memoranda: |
| Average total assets | $293,099,000 | 2,201 |
| Average earning assets | $278,333,250 | 2,134 |
| Average equity | $39,708,000 | 1,769 |
| Average total loans | $184,058,500 | 2,168 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1917% | 3,404 |
| Cost of funding earning assets | 0.5498% | 3,416 |
| Net interest margin | 3.6419% | 3,202 |
| Noninterest income to average assets | 0.6815% | 2,733 |
| Noninterest expense to average assets | 2.2566% | 5,485 |
| Loan and lease loss provision to assets | 0.2053% | 1,841 |
| Net operating income to assets | 1.1237% | 1,842 |
| Return on assets (ROA) | 1.3643% | 1,241 |
| Pretax return on assets | 2.0369% | 563 |
| Return on Equity (ROE) | 10.1600% | 2,139 |
| Retained earnings to average equity (ytd only) | 10.1600% | 812 |
| Net charge-offs to loans | -0.2942% | 6,751 |
| Credit loss provision to net charge-offs | -111.1111% | 5,633 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5124% | 6,105 |
| Assets per employee ($millions) | 4.0968% | 3,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6416% | 3,007 |
| Loan loss allowance to noncurrent loans | 209.4327% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.5301% | 4,936 |
| Noncurrent loans to loans | 0.7838% | 4,346 |
| Net loans and leases to total assets | 63.1155% | 3,084 |
| Net loans and leases to deposits | 77.0444% | 2,719 |
| Net loans and leases to core deposits | 79.8704% | 3,040 |
| Total domestic deposits to total assets | 81.9210% | 5,082 |
| Equity capital to assets | 13.8466% | 1,009 |
| Core capital (leverage) ratio | 11.9844% | 1,623 |
| Tier 1 risk-based capital ratio | 16.9180% | 2,743 |
| Total risk-based capital ratio | 18.1712% | 2,713 |
| Memoranda: |
| Average total assets | $292,302,000 | 2,207 |
| Average earning assets | $277,550,670 | 2,144 |
| Average equity | $39,252,000 | 1,788 |
| Average total loans | $183,578,000 | 2,167 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2153% | 3,234 |
| Cost of funding earning assets | 0.5546% | 3,525 |
| Net interest margin | 3.6607% | 3,034 |
| Noninterest income to average assets | 0.6689% | 2,768 |
| Noninterest expense to average assets | 2.1173% | 5,875 |
| Loan and lease loss provision to assets | 0.2048% | 1,814 |
| Net operating income to assets | 1.2183% | 1,483 |
| Return on assets (ROA) | 1.3665% | 1,196 |
| Pretax return on assets | 2.0367% | 556 |
| Return on Equity (ROE) | 10.3356% | 1,940 |
| Retained earnings to average equity (ytd only) | 10.3356% | 1,025 |
| Net charge-offs to loans | -0.0154% | 5,604 |
| Credit loss provision to net charge-offs | -2,142.8571% | 5,770 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1712% | 6,427 |
| Assets per employee ($millions) | 4.3198% | 3,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4700% | 3,932 |
| Loan loss allowance to noncurrent loans | 159.3149% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.7210% | 4,566 |
| Noncurrent loans to loans | 0.9227% | 4,290 |
| Net loans and leases to total assets | 60.4910% | 3,347 |
| Net loans and leases to deposits | 72.0434% | 3,178 |
| Net loans and leases to core deposits | 74.6198% | 3,500 |
| Total domestic deposits to total assets | 83.9647% | 4,490 |
| Equity capital to assets | 13.5124% | 1,207 |
| Core capital (leverage) ratio | 11.7388% | 1,716 |
| Tier 1 risk-based capital ratio | 16.7454% | 2,886 |
| Total risk-based capital ratio | 17.9961% | 2,854 |
| Memoranda: |
| Average total assets | $293,016,500 | 2,235 |
| Average earning assets | $277,653,000 | 2,169 |
| Average equity | $38,740,000 | 1,834 |
| Average total loans | $182,042,000 | 2,190 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5799% | 3,080 |
| Cost of funding earning assets | 0.7817% | 2,815 |
| Net interest margin | 3.7982% | 3,231 |
| Noninterest income to average assets | 0.7311% | 2,583 |
| Noninterest expense to average assets | 2.2934% | 5,707 |
| Loan and lease loss provision to assets | 0.2151% | 2,982 |
| Net operating income to assets | 1.2029% | 1,594 |
| Return on assets (ROA) | 1.3238% | 1,378 |
| Pretax return on assets | 1.9478% | 674 |
| Return on Equity (ROE) | 10.0692% | 2,139 |
| Retained earnings to average equity (ytd only) | 7.3965% | 1,375 |
| Net charge-offs to loans | 0.2790% | 3,267 |
| Credit loss provision to net charge-offs | 118.3432% | 2,424 |
| Earnings coverage of net charge-offs (x) | 10.9191% | 2,089 |
| Efficiency ratio | 53.6038% | 6,305 |
| Assets per employee ($millions) | 4.2983% | 3,363 |
| Cash dividends to net income (ytd only)* | 26.5439% | 3,510 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3573% | 4,365 |
| Loan loss allowance to noncurrent loans | 131.1251% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 0.7434% | 4,616 |
| Noncurrent loans to loans | 1.0351% | 4,143 |
| Net loans and leases to total assets | 62.0106% | 3,248 |
| Net loans and leases to deposits | 73.7948% | 3,130 |
| Net loans and leases to core deposits | 76.1205% | 3,518 |
| Total domestic deposits to total assets | 84.0311% | 4,300 |
| Equity capital to assets | 12.9284% | 1,482 |
| Core capital (leverage) ratio | 11.7915% | 1,671 |
| Tier 1 risk-based capital ratio | 15.9064% | 3,215 |
| Total risk-based capital ratio | 17.1333% | 3,185 |
| Memoranda: |
| Average total assets | $278,885,400 | 2,281 |
| Average earning assets | $260,463,200 | 2,232 |
| Average equity | $36,666,200 | 1,895 |
| Average total loans | $181,697,200 | 2,180 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6361% | 3,075 |
| Cost of funding earning assets | 0.8333% | 2,681 |
| Net interest margin | 3.8028% | 3,326 |
| Noninterest income to average assets | 0.7466% | 2,502 |
| Noninterest expense to average assets | 2.2825% | 5,732 |
| Loan and lease loss provision to assets | 0.2178% | 2,884 |
| Net operating income to assets | 1.2168% | 1,681 |
| Return on assets (ROA) | 1.3593% | 1,445 |
| Pretax return on assets | 1.9956% | 707 |
| Return on Equity (ROE) | 10.2932% | 2,217 |
| Retained earnings to average equity (ytd only) | 8.6075% | 1,373 |
| Net charge-offs to loans | 0.2024% | 3,519 |
| Credit loss provision to net charge-offs | 163.6364% | 1,700 |
| Earnings coverage of net charge-offs (x) | 15.0581% | 1,794 |
| Efficiency ratio | 53.2513% | 6,325 |
| Assets per employee ($millions) | 3.9935% | 3,886 |
| Cash dividends to net income (ytd only)* | 16.3760% | 3,205 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4020% | 4,367 |
| Loan loss allowance to noncurrent loans | 77.8013% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 1.2251% | 3,843 |
| Noncurrent loans to loans | 1.8020% | 3,074 |
| Net loans and leases to total assets | 66.7116% | 2,517 |
| Net loans and leases to deposits | 79.6674% | 2,443 |
| Net loans and leases to core deposits | 82.3250% | 2,917 |
| Total domestic deposits to total assets | 83.7377% | 4,342 |
| Equity capital to assets | 13.8776% | 1,202 |
| Core capital (leverage) ratio | 11.9809% | 1,666 |
| Tier 1 risk-based capital ratio | 16.0732% | 3,230 |
| Total risk-based capital ratio | 17.3235% | 3,198 |
| Memoranda: |
| Average total assets | $275,535,000 | 2,325 |
| Average earning assets | $256,471,000 | 2,287 |
| Average equity | $36,385,750 | 1,927 |
| Average total loans | $181,185,750 | 2,210 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6842% | 2,986 |
| Cost of funding earning assets | 0.8670% | 2,680 |
| Net interest margin | 3.8172% | 3,282 |
| Noninterest income to average assets | 0.6920% | 2,710 |
| Noninterest expense to average assets | 2.2885% | 5,774 |
| Loan and lease loss provision to assets | 0.2167% | 2,905 |
| Net operating income to assets | 1.1782% | 1,791 |
| Return on assets (ROA) | 1.3285% | 1,517 |
| Pretax return on assets | 1.9447% | 770 |
| Return on Equity (ROE) | 10.2302% | 2,269 |
| Retained earnings to average equity (ytd only) | 10.2302% | 911 |
| Net charge-offs to loans | 0.3316% | 2,700 |
| Credit loss provision to net charge-offs | 100.3344% | 2,708 |
| Earnings coverage of net charge-offs (x) | 8.9833% | 2,222 |
| Efficiency ratio | 54.1168% | 6,305 |
| Assets per employee ($millions) | 4.0378% | 3,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3509% | 4,666 |
| Loan loss allowance to noncurrent loans | 231.6297% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.7175% | 5,003 |
| Noncurrent loans to loans | 0.5832% | 5,342 |
| Net loans and leases to total assets | 63.8818% | 3,062 |
| Net loans and leases to deposits | 77.6941% | 2,724 |
| Net loans and leases to core deposits | 80.0850% | 3,206 |
| Total domestic deposits to total assets | 82.2223% | 5,049 |
| Equity capital to assets | 13.4754% | 1,314 |
| Core capital (leverage) ratio | 11.6739% | 1,799 |
| Tier 1 risk-based capital ratio | 16.3774% | 2,969 |
| Total risk-based capital ratio | 17.6272% | 2,939 |
| Memoranda: |
| Average total assets | $276,860,000 | 2,321 |
| Average earning assets | $256,521,670 | 2,293 |
| Average equity | $35,952,330 | 1,931 |
| Average total loans | $180,335,000 | 2,224 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7586% | 2,817 |
| Cost of funding earning assets | 0.8907% | 2,760 |
| Net interest margin | 3.8679% | 3,063 |
| Noninterest income to average assets | 0.6748% | 2,783 |
| Noninterest expense to average assets | 2.1712% | 6,111 |
| Loan and lease loss provision to assets | 0.2158% | 2,784 |
| Net operating income to assets | 1.2602% | 1,571 |
| Return on assets (ROA) | 1.3913% | 1,384 |
| Pretax return on assets | 2.0359% | 694 |
| Return on Equity (ROE) | 10.9176% | 2,050 |
| Retained earnings to average equity (ytd only) | 10.9176% | 1,050 |
| Net charge-offs to loans | 0.0418% | 4,115 |
| Credit loss provision to net charge-offs | 789.4737% | 437 |
| Earnings coverage of net charge-offs (x) | 75.3158% | 445 |
| Efficiency ratio | 51.3265% | 6,596 |
| Assets per employee ($millions) | 4.1146% | 3,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4320% | 4,460 |
| Loan loss allowance to noncurrent loans | 163.8835% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.8857% | 4,759 |
| Noncurrent loans to loans | 0.8738% | 4,922 |
| Net loans and leases to total assets | 62.2880% | 3,196 |
| Net loans and leases to deposits | 76.2321% | 2,763 |
| Net loans and leases to core deposits | 78.8253% | 3,208 |
| Total domestic deposits to total assets | 81.7083% | 5,393 |
| Equity capital to assets | 12.8688% | 1,499 |
| Core capital (leverage) ratio | 11.4319% | 1,939 |
| Tier 1 risk-based capital ratio | 15.8914% | 3,224 |
| Total risk-based capital ratio | 17.1424% | 3,195 |
| Memoranda: |
| Average total assets | $278,006,000 | 2,326 |
| Average earning assets | $255,537,000 | 2,321 |
| Average equity | $35,429,000 | 1,954 |
| Average total loans | $181,602,000 | 2,213 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0820% | 2,519 |
| Cost of funding earning assets | 1.0325% | 3,141 |
| Net interest margin | 4.0494% | 2,637 |
| Noninterest income to average assets | 0.7521% | 2,328 |
| Noninterest expense to average assets | 2.3183% | 5,999 |
| Loan and lease loss provision to assets | 0.2231% | 3,971 |
| Net operating income to assets | 1.3081% | 1,226 |
| Return on assets (ROA) | 1.3896% | 1,134 |
| Pretax return on assets | 2.0190% | 512 |
| Return on Equity (ROE) | 11.2965% | 1,620 |
| Retained earnings to average equity (ytd only) | 11.2965% | 372 |
| Net charge-offs to loans | 0.5341% | 2,868 |
| Credit loss provision to net charge-offs | 61.5385% | 5,133 |
| Earnings coverage of net charge-offs (x) | 5.8595% | 2,662 |
| Efficiency ratio | 52.1885% | 6,687 |
| Assets per employee ($millions) | 4.0032% | 3,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2881% | 4,974 |
| Loan loss allowance to noncurrent loans | 269.7753% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.7751% | 5,085 |
| Noncurrent loans to loans | 0.4775% | 5,753 |
| Net loans and leases to total assets | 66.6115% | 2,662 |
| Net loans and leases to deposits | 81.9783% | 2,206 |
| Net loans and leases to core deposits | 84.6388% | 2,792 |
| Total domestic deposits to total assets | 81.2550% | 5,373 |
| Equity capital to assets | 12.6176% | 1,733 |
| Core capital (leverage) ratio | 11.0498% | 2,231 |
| Tier 1 risk-based capital ratio | 14.6723% | 3,855 |
| Total risk-based capital ratio | 15.8615% | 3,876 |
| Memoranda: |
| Average total assets | $268,993,400 | 2,346 |
| Average earning assets | $245,121,800 | 2,345 |
| Average equity | $33,090,000 | 2,015 |
| Average total loans | $182,540,000 | 2,207 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0837% | 2,685 |
| Cost of funding earning assets | 1.0528% | 3,300 |
| Net interest margin | 4.0309% | 2,774 |
| Noninterest income to average assets | 0.7520% | 2,301 |
| Noninterest expense to average assets | 2.2680% | 6,127 |
| Loan and lease loss provision to assets | 0.2246% | 3,765 |
| Net operating income to assets | 1.3386% | 1,290 |
| Return on assets (ROA) | 1.4037% | 1,224 |
| Pretax return on assets | 2.0375% | 584 |
| Return on Equity (ROE) | 11.4874% | 1,695 |
| Retained earnings to average equity (ytd only) | 11.4874% | 555 |
| Net charge-offs to loans | 0.1395% | 4,663 |
| Credit loss provision to net charge-offs | 236.8421% | 1,201 |
| Earnings coverage of net charge-offs (x) | 22.8629% | 1,137 |
| Efficiency ratio | 51.1306% | 6,757 |
| Assets per employee ($millions) | 3.8788% | 4,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6478% | 3,452 |
| Loan loss allowance to noncurrent loans | 103.7949% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 1.1642% | 4,460 |
| Noncurrent loans to loans | 1.5876% | 3,917 |
| Net loans and leases to total assets | 66.7391% | 2,730 |
| Net loans and leases to deposits | 83.5594% | 2,076 |
| Net loans and leases to core deposits | 86.9281% | 2,648 |
| Total domestic deposits to total assets | 79.8703% | 5,770 |
| Equity capital to assets | 12.5327% | 1,903 |
| Core capital (leverage) ratio | 10.9274% | 2,449 |
| Tier 1 risk-based capital ratio | 14.4511% | 4,011 |
| Total risk-based capital ratio | 15.7044% | 3,978 |
| Memoranda: |
| Average total assets | $267,187,250 | 2,374 |
| Average earning assets | $244,171,500 | 2,366 |
| Average equity | $32,649,500 | 2,035 |
| Average total loans | $181,576,500 | 2,245 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0629% | 2,866 |
| Cost of funding earning assets | 1.0717% | 3,460 |
| Net interest margin | 3.9912% | 2,878 |
| Noninterest income to average assets | 0.7511% | 2,255 |
| Noninterest expense to average assets | 2.3188% | 6,073 |
| Loan and lease loss provision to assets | 0.2258% | 3,656 |
| Net operating income to assets | 1.2773% | 1,376 |
| Return on assets (ROA) | 1.3043% | 1,385 |
| Pretax return on assets | 1.8838% | 736 |
| Return on Equity (ROE) | 10.7673% | 1,879 |
| Retained earnings to average equity (ytd only) | 10.7673% | 711 |
| Net charge-offs to loans | -0.0288% | 6,909 |
| Credit loss provision to net charge-offs | -1,153.8462% | 6,613 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8292% | 6,731 |
| Assets per employee ($millions) | 3.6767% | 4,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7075% | 3,297 |
| Loan loss allowance to noncurrent loans | 210.1626% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.6479% | 5,613 |
| Noncurrent loans to loans | 0.8125% | 5,298 |
| Net loans and leases to total assets | 67.4548% | 2,719 |
| Net loans and leases to deposits | 83.2391% | 2,229 |
| Net loans and leases to core deposits | 87.4891% | 2,705 |
| Total domestic deposits to total assets | 81.0374% | 5,514 |
| Equity capital to assets | 12.4969% | 1,780 |
| Core capital (leverage) ratio | 10.6242% | 2,594 |
| Tier 1 risk-based capital ratio | 14.2175% | 4,003 |
| Total risk-based capital ratio | 15.4716% | 3,973 |
| Memoranda: |
| Average total assets | $265,745,000 | 2,398 |
| Average earning assets | $242,234,330 | 2,401 |
| Average equity | $32,190,000 | 2,051 |
| Average total loans | $180,688,000 | 2,275 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0421% | 2,898 |
| Cost of funding earning assets | 1.0771% | 3,676 |
| Net interest margin | 3.9650% | 2,849 |
| Noninterest income to average assets | 0.7436% | 2,295 |
| Noninterest expense to average assets | 2.2520% | 6,297 |
| Loan and lease loss provision to assets | 0.2253% | 3,405 |
| Net operating income to assets | 1.2942% | 1,280 |
| Return on assets (ROA) | 1.3025% | 1,302 |
| Pretax return on assets | 1.8839% | 702 |
| Return on Equity (ROE) | 10.9249% | 1,764 |
| Retained earnings to average equity (ytd only) | 10.9249% | 912 |
| Net charge-offs to loans | 0.0067% | 5,027 |
| Credit loss provision to net charge-offs | 5,000.0000% | 73 |
| Earnings coverage of net charge-offs (x) | 465.3333% | 52 |
| Efficiency ratio | 51.7789% | 6,872 |
| Assets per employee ($millions) | 3.8120% | 4,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6393% | 3,575 |
| Loan loss allowance to noncurrent loans | 167.2769% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.7997% | 5,309 |
| Noncurrent loans to loans | 0.9800% | 5,087 |
| Net loans and leases to total assets | 65.7508% | 3,074 |
| Net loans and leases to deposits | 80.6420% | 2,584 |
| Net loans and leases to core deposits | 84.8276% | 3,056 |
| Total domestic deposits to total assets | 81.5341% | 5,482 |
| Equity capital to assets | 12.0433% | 1,892 |
| Core capital (leverage) ratio | 10.3782% | 2,726 |
| Tier 1 risk-based capital ratio | 14.2203% | 3,924 |
| Total risk-based capital ratio | 15.4742% | 3,895 |
| Memoranda: |
| Average total assets | $266,257,000 | 2,416 |
| Average earning assets | $242,121,000 | 2,426 |
| Average equity | $31,744,000 | 2,066 |
| Average total loans | $180,197,500 | 2,306 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2352% | 3,434 |
| Cost of funding earning assets | 1.4064% | 3,219 |
| Net interest margin | 3.8289% | 3,823 |
| Noninterest income to average assets | 0.7312% | 2,640 |
| Noninterest expense to average assets | 2.2816% | 6,407 |
| Loan and lease loss provision to assets | 0.5398% | 2,990 |
| Net operating income to assets | 0.9813% | 2,101 |
| Return on assets (ROA) | 0.9738% | 2,242 |
| Pretax return on assets | 1.3885% | 1,693 |
| Return on Equity (ROE) | 8.5551% | 2,476 |
| Retained earnings to average equity (ytd only) | 8.5551% | 828 |
| Net charge-offs to loans | 0.3268% | 4,376 |
| Credit loss provision to net charge-offs | 236.5449% | 1,235 |
| Earnings coverage of net charge-offs (x) | 8.4967% | 1,963 |
| Efficiency ratio | 54.0596% | 6,799 |
| Assets per employee ($millions) | 3.7419% | 4,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5256% | 3,876 |
| Loan loss allowance to noncurrent loans | 140.1817% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.8672% | 5,275 |
| Noncurrent loans to loans | 1.0883% | 4,915 |
| Net loans and leases to total assets | 67.4679% | 3,111 |
| Net loans and leases to deposits | 83.6937% | 2,500 |
| Net loans and leases to core deposits | 87.4059% | 3,133 |
| Total domestic deposits to total assets | 80.6129% | 5,656 |
| Equity capital to assets | 11.8008% | 2,041 |
| Core capital (leverage) ratio | 9.9520% | 3,144 |
| Tier 1 risk-based capital ratio | 13.6462% | 4,099 |
| Total risk-based capital ratio | 14.8988% | 4,068 |
| Memoranda: |
| Average total assets | $263,800,600 | 2,416 |
| Average earning assets | $240,409,400 | 2,423 |
| Average equity | $30,028,800 | 2,171 |
| Average total loans | $184,196,800 | 2,307 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2388% | 3,644 |
| Cost of funding earning assets | 1.4679% | 3,159 |
| Net interest margin | 3.7709% | 4,090 |
| Noninterest income to average assets | 0.7195% | 2,708 |
| Noninterest expense to average assets | 2.2648% | 6,422 |
| Loan and lease loss provision to assets | 0.6035% | 2,527 |
| Net operating income to assets | 0.9112% | 2,566 |
| Return on assets (ROA) | 0.9012% | 2,754 |
| Pretax return on assets | 1.2800% | 2,230 |
| Return on Equity (ROE) | 7.9913% | 2,903 |
| Retained earnings to average equity (ytd only) | 7.9913% | 1,422 |
| Net charge-offs to loans | 0.1472% | 5,127 |
| Credit loss provision to net charge-offs | 584.3137% | 499 |
| Earnings coverage of net charge-offs (x) | 18.3728% | 1,266 |
| Efficiency ratio | 54.4094% | 6,752 |
| Assets per employee ($millions) | 3.5908% | 4,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5946% | 3,544 |
| Loan loss allowance to noncurrent loans | 80.1689% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 1.4918% | 4,216 |
| Noncurrent loans to loans | 1.9891% | 3,697 |
| Net loans and leases to total assets | 68.3483% | 3,130 |
| Net loans and leases to deposits | 84.7832% | 2,557 |
| Net loans and leases to core deposits | 88.7989% | 3,263 |
| Total domestic deposits to total assets | 80.6153% | 5,512 |
| Equity capital to assets | 11.5381% | 2,501 |
| Core capital (leverage) ratio | 9.6336% | 3,705 |
| Tier 1 risk-based capital ratio | 13.1296% | 4,473 |
| Total risk-based capital ratio | 14.3831% | 4,452 |
| Memoranda: |
| Average total assets | $263,331,750 | 2,461 |
| Average earning assets | $240,431,500 | 2,455 |
| Average equity | $29,698,000 | 2,224 |
| Average total loans | $184,740,250 | 2,330 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2252% | 3,825 |
| Cost of funding earning assets | 1.5359% | 3,034 |
| Net interest margin | 3.6893% | 4,414 |
| Noninterest income to average assets | 0.6818% | 2,809 |
| Noninterest expense to average assets | 2.1917% | 6,665 |
| Loan and lease loss provision to assets | 0.7298% | 1,994 |
| Net operating income to assets | 0.7967% | 2,993 |
| Return on assets (ROA) | 0.7946% | 3,144 |
| Pretax return on assets | 1.1298% | 2,671 |
| Return on Equity (ROE) | 7.1006% | 3,257 |
| Retained earnings to average equity (ytd only) | 7.1006% | 1,790 |
| Net charge-offs to loans | -0.1493% | 7,609 |
| Credit loss provision to net charge-offs | -694.2029% | 6,863 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0586% | 6,876 |
| Assets per employee ($millions) | 3.6951% | 4,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6853% | 3,136 |
| Loan loss allowance to noncurrent loans | 58.7748% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 2.1421% | 3,322 |
| Noncurrent loans to loans | 2.8674% | 2,786 |
| Net loans and leases to total assets | 65.9845% | 3,835 |
| Net loans and leases to deposits | 79.1591% | 3,764 |
| Net loans and leases to core deposits | 83.1198% | 4,266 |
| Total domestic deposits to total assets | 83.3569% | 4,407 |
| Equity capital to assets | 11.1022% | 2,769 |
| Core capital (leverage) ratio | 9.5243% | 3,785 |
| Tier 1 risk-based capital ratio | 12.8371% | 4,574 |
| Total risk-based capital ratio | 14.0914% | 4,532 |
| Memoranda: |
| Average total assets | $262,535,670 | 2,485 |
| Average earning assets | $239,990,670 | 2,482 |
| Average equity | $29,377,670 | 2,232 |
| Average total loans | $184,801,000 | 2,367 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3642% | 3,220 |
| Cost of funding earning assets | 1.5799% | 3,079 |
| Net interest margin | 3.7843% | 3,857 |
| Noninterest income to average assets | 0.6365% | 3,028 |
| Noninterest expense to average assets | 2.2338% | 6,599 |
| Loan and lease loss provision to assets | 0.8157% | 1,549 |
| Net operating income to assets | 0.7273% | 3,323 |
| Return on assets (ROA) | 0.7230% | 3,454 |
| Pretax return on assets | 1.0257% | 2,985 |
| Return on Equity (ROE) | 6.4345% | 3,646 |
| Retained earnings to average equity (ytd only) | 6.4345% | 2,388 |
| Net charge-offs to loans | -0.3514% | 7,764 |
| Credit loss provision to net charge-offs | -321.9512% | 6,197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7313% | 6,912 |
| Assets per employee ($millions) | 3.6876% | 4,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4636% | 4,113 |
| Loan loss allowance to noncurrent loans | 47.1080% | 5,203 |
| Noncurrent assets plus other real estate owned to assets | 2.2810% | 3,172 |
| Noncurrent loans to loans | 3.1070% | 2,582 |
| Net loans and leases to total assets | 69.0360% | 3,148 |
| Net loans and leases to deposits | 85.6577% | 2,658 |
| Net loans and leases to core deposits | 98.7991% | 2,259 |
| Total domestic deposits to total assets | 80.5952% | 5,589 |
| Equity capital to assets | 11.3659% | 2,452 |
| Core capital (leverage) ratio | 9.5274% | 3,727 |
| Tier 1 risk-based capital ratio | 12.6482% | 4,602 |
| Total risk-based capital ratio | 13.9000% | 4,568 |
| Memoranda: |
| Average total assets | $258,934,000 | 2,570 |
| Average earning assets | $235,711,000 | 2,580 |
| Average equity | $29,093,000 | 2,284 |
| Average total loans | $186,683,000 | 2,412 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7171% | 3,018 |
| Cost of funding earning assets | 1.8782% | 3,573 |
| Net interest margin | 3.8389% | 3,534 |
| Noninterest income to average assets | 0.7530% | 2,659 |
| Noninterest expense to average assets | 2.5360% | 6,005 |
| Loan and lease loss provision to assets | 0.6855% | 3,082 |
| Net operating income to assets | 0.6447% | 3,158 |
| Return on assets (ROA) | 0.6419% | 3,227 |
| Pretax return on assets | 1.0236% | 2,515 |
| Return on Equity (ROE) | 5.7166% | 3,326 |
| Retained earnings to average equity (ytd only) | 5.7166% | 1,466 |
| Net charge-offs to loans | 1.1963% | 2,057 |
| Credit loss provision to net charge-offs | 76.3580% | 6,373 |
| Earnings coverage of net charge-offs (x) | 1.9087% | 4,290 |
| Efficiency ratio | 59.6783% | 6,533 |
| Assets per employee ($millions) | 3.6583% | 4,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0155% | 6,289 |
| Loan loss allowance to noncurrent loans | 40.4846% | 5,701 |
| Noncurrent assets plus other real estate owned to assets | 1.8673% | 3,574 |
| Noncurrent loans to loans | 2.5084% | 3,035 |
| Net loans and leases to total assets | 73.3668% | 2,414 |
| Net loans and leases to deposits | 90.9056% | 2,064 |
| Net loans and leases to core deposits | 104.7885% | 3,476 |
| Total domestic deposits to total assets | 80.7066% | 5,438 |
| Equity capital to assets | 11.1063% | 2,618 |
| Core capital (leverage) ratio | 9.6265% | 3,552 |
| Tier 1 risk-based capital ratio | 11.8446% | 5,078 |
| Total risk-based capital ratio | 12.8377% | 5,266 |
| Memoranda: |
| Average total assets | $250,198,000 | 2,606 |
| Average earning assets | $227,876,200 | 2,614 |
| Average equity | $28,093,800 | 2,361 |
| Average total loans | $187,751,400 | 2,428 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7243% | 3,215 |
| Cost of funding earning assets | 1.9346% | 3,687 |
| Net interest margin | 3.7897% | 3,701 |
| Noninterest income to average assets | 0.7656% | 2,619 |
| Noninterest expense to average assets | 2.5847% | 5,765 |
| Loan and lease loss provision to assets | 0.4170% | 3,823 |
| Net operating income to assets | 0.7452% | 3,042 |
| Return on assets (ROA) | 0.7414% | 3,116 |
| Pretax return on assets | 1.2181% | 2,206 |
| Return on Equity (ROE) | 6.5840% | 3,266 |
| Retained earnings to average equity (ytd only) | 6.5840% | 1,672 |
| Net charge-offs to loans | 1.2800% | 1,606 |
| Credit loss provision to net charge-offs | 43.2719% | 6,393 |
| Earnings coverage of net charge-offs (x) | 1.7030% | 4,522 |
| Efficiency ratio | 61.1663% | 6,246 |
| Assets per employee ($millions) | 3.3508% | 5,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7730% | 7,201 |
| Loan loss allowance to noncurrent loans | 32.7979% | 6,242 |
| Noncurrent assets plus other real estate owned to assets | 1.9067% | 3,489 |
| Noncurrent loans to loans | 2.3568% | 3,198 |
| Net loans and leases to total assets | 77.1459% | 1,757 |
| Net loans and leases to deposits | 97.5028% | 1,382 |
| Net loans and leases to core deposits | 111.0225% | 3,127 |
| Total domestic deposits to total assets | 79.1217% | 5,758 |
| Equity capital to assets | 11.7232% | 2,413 |
| Core capital (leverage) ratio | 9.6444% | 3,724 |
| Tier 1 risk-based capital ratio | 12.0293% | 4,948 |
| Total risk-based capital ratio | 12.7952% | 5,334 |
| Memoranda: |
| Average total assets | $247,813,500 | 2,642 |
| Average earning assets | $226,256,000 | 2,656 |
| Average equity | $27,905,500 | 2,398 |
| Average total loans | $186,560,500 | 2,464 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6190% | 3,974 |
| Cost of funding earning assets | 1.9629% | 3,949 |
| Net interest margin | 3.6561% | 4,134 |
| Noninterest income to average assets | 0.7200% | 2,866 |
| Noninterest expense to average assets | 2.5860% | 5,792 |
| Loan and lease loss provision to assets | 0.2813% | 4,324 |
| Net operating income to assets | 0.6686% | 3,393 |
| Return on assets (ROA) | 0.6630% | 3,525 |
| Pretax return on assets | 1.1789% | 2,365 |
| Return on Equity (ROE) | 5.9677% | 3,663 |
| Retained earnings to average equity (ytd only) | 5.9677% | 2,035 |
| Net charge-offs to loans | 0.0928% | 5,255 |
| Credit loss provision to net charge-offs | 406.9767% | 1,138 |
| Earnings coverage of net charge-offs (x) | 21.2558% | 1,272 |
| Efficiency ratio | 63.7733% | 5,955 |
| Assets per employee ($millions) | 3.2407% | 5,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4667% | 3,375 |
| Loan loss allowance to noncurrent loans | 41.7236% | 5,570 |
| Noncurrent assets plus other real estate owned to assets | 2.6761% | 2,397 |
| Noncurrent loans to loans | 3.5154% | 1,991 |
| Net loans and leases to total assets | 75.0085% | 2,430 |
| Net loans and leases to deposits | 94.7253% | 1,989 |
| Net loans and leases to core deposits | 109.2800% | 3,462 |
| Total domestic deposits to total assets | 79.1853% | 5,754 |
| Equity capital to assets | 11.3914% | 2,604 |
| Core capital (leverage) ratio | 9.3638% | 4,079 |
| Tier 1 risk-based capital ratio | 11.8815% | 5,015 |
| Total risk-based capital ratio | 13.1337% | 4,925 |
| Memoranda: |
| Average total assets | $248,882,000 | 2,646 |
| Average earning assets | $227,015,000 | 2,666 |
| Average equity | $27,648,670 | 2,428 |
| Average total loans | $185,355,670 | 2,509 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7023% | 3,793 |
| Cost of funding earning assets | 1.9853% | 4,202 |
| Net interest margin | 3.7170% | 3,820 |
| Noninterest income to average assets | 0.6651% | 3,106 |
| Noninterest expense to average assets | 2.6685% | 5,155 |
| Loan and lease loss provision to assets | 0.1199% | 5,425 |
| Net operating income to assets | 0.8773% | 2,808 |
| Return on assets (ROA) | 0.8650% | 3,005 |
| Pretax return on assets | 1.2327% | 2,507 |
| Return on Equity (ROE) | 7.8849% | 3,200 |
| Retained earnings to average equity (ytd only) | 7.8849% | 1,861 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0728% | 5,314 |
| Assets per employee ($millions) | 3.3038% | 5,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3815% | 3,608 |
| Loan loss allowance to noncurrent loans | 151.4488% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 0.7002% | 5,404 |
| Noncurrent loans to loans | 0.9122% | 5,177 |
| Net loans and leases to total assets | 73.7775% | 2,816 |
| Net loans and leases to deposits | 93.4650% | 2,364 |
| Net loans and leases to core deposits | 108.2766% | 3,642 |
| Total domestic deposits to total assets | 78.9359% | 5,754 |
| Equity capital to assets | 11.2007% | 2,811 |
| Core capital (leverage) ratio | 9.2381% | 4,351 |
| Tier 1 risk-based capital ratio | 11.7491% | 5,173 |
| Total risk-based capital ratio | 13.0005% | 5,094 |
| Memoranda: |
| Average total assets | $250,177,000 | 2,641 |
| Average earning assets | $227,066,000 | 2,680 |
| Average equity | $27,445,000 | 2,460 |
| Average total loans | $184,288,500 | 2,541 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5642% | 2,651 |
| Cost of funding earning assets | 2.6624% | 3,354 |
| Net interest margin | 3.9017% | 3,556 |
| Noninterest income to average assets | 0.7234% | 2,955 |
| Noninterest expense to average assets | 2.4344% | 6,278 |
| Loan and lease loss provision to assets | 0.0690% | 6,529 |
| Net operating income to assets | 1.1882% | 1,809 |
| Return on assets (ROA) | 1.1654% | 1,820 |
| Pretax return on assets | 1.6872% | 1,171 |
| Return on Equity (ROE) | 11.3375% | 1,809 |
| Retained earnings to average equity (ytd only) | 10.3764% | 399 |
| Net charge-offs to loans | 0.1964% | 4,227 |
| Credit loss provision to net charge-offs | 47.5000% | 6,378 |
| Earnings coverage of net charge-offs (x) | 12.3250% | 2,259 |
| Efficiency ratio | 57.6380% | 6,760 |
| Assets per employee ($millions) | 3.3676% | 5,045 |
| Cash dividends to net income (ytd only)* | 8.4775% | 4,724 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3569% | 3,436 |
| Loan loss allowance to noncurrent loans | 263.9066% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.4046% | 6,005 |
| Noncurrent loans to loans | 0.5142% | 5,807 |
| Net loans and leases to total assets | 71.5529% | 3,679 |
| Net loans and leases to deposits | 87.9493% | 3,813 |
| Net loans and leases to core deposits | 100.5911% | 4,766 |
| Total domestic deposits to total assets | 81.3570% | 4,481 |
| Equity capital to assets | 10.7441% | 3,259 |
| Core capital (leverage) ratio | 8.9999% | 4,743 |
| Tier 1 risk-based capital ratio | 11.3646% | 5,368 |
| Total risk-based capital ratio | 12.6152% | 5,270 |
| Memoranda: |
| Average total assets | $247,986,000 | 2,578 |
| Average earning assets | $222,464,800 | 2,629 |
| Average equity | $25,490,600 | 2,601 |
| Average total loans | $183,345,800 | 2,470 |
