| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7311% | 896 |
| Cost of funding earning assets | 2.0588% | 835 |
| Net interest margin | 3.6723% | 1,809 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 2.9892% | 1,138 |
| Loan and lease loss provision to assets | -0.0400% | 4,399 |
| Net operating income to assets | 0.6243% | 3,377 |
| Return on assets (ROA) | 0.6243% | 3,358 |
| Pretax return on assets | 0.8421% | 3,110 |
| Return on Equity (ROE) | 5.6700% | 3,590 |
| Retained earnings to average equity (ytd only) | 5.6690% | 2,364 |
| Net charge-offs to loans | 0.3494% | 310 |
| Credit loss provision to net charge-offs | 18.0809% | 2,319 |
| Earnings coverage of net charge-offs (x) | 2.8850% | 2,667 |
| Efficiency ratio | 78.8343% | 999 |
| Assets per employee ($millions) | 8.6998% | 1,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6065% | 825 |
| Loan loss allowance to noncurrent loans | 130.5988% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 0.9888% | 502 |
| Noncurrent loans to loans | 1.2301% | 577 |
| Net loans and leases to total assets | 79.0900% | 752 |
| Net loans and leases to deposits | 97.9091% | 660 |
| Net loans and leases to core deposits | 116.9021% | 722 |
| Total domestic deposits to total assets | 80.7800% | 3,346 |
| Equity capital to assets | 11.7358% | 1,216 |
| Core capital (leverage) ratio | 11.5933% | 1,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0212% | 1,863 |
| Memoranda: |
| Average total assets | $1,715,751,800 | 645 |
| Average earning assets | $1,581,856,000 | 640 |
| Average equity | $188,940,800 | 565 |
| Average total loans | $1,366,056,600 | 559 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6259% | 880 |
| Cost of funding earning assets | 1.8831% | 881 |
| Net interest margin | 3.7428% | 1,699 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 2.9946% | 1,076 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.6061% | 3,531 |
| Return on assets (ROA) | 0.6061% | 3,519 |
| Pretax return on assets | 0.8140% | 3,300 |
| Return on Equity (ROE) | 5.5900% | 3,714 |
| Retained earnings to average equity (ytd only) | 5.5927% | 2,751 |
| Net charge-offs to loans | 0.3449% | 256 |
| Credit loss provision to net charge-offs | 58.9180% | 1,863 |
| Earnings coverage of net charge-offs (x) | 3.1279% | 2,447 |
| Efficiency ratio | 77.7499% | 1,028 |
| Assets per employee ($millions) | 9.4684% | 793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7959% | 573 |
| Loan loss allowance to noncurrent loans | 119.3097% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 1.1134% | 423 |
| Noncurrent loans to loans | 1.5052% | 481 |
| Net loans and leases to total assets | 72.6400% | 1,505 |
| Net loans and leases to deposits | 87.1757% | 1,459 |
| Net loans and leases to core deposits | 104.9182% | 1,066 |
| Total domestic deposits to total assets | 83.3300% | 2,956 |
| Equity capital to assets | 10.6016% | 1,512 |
| Core capital (leverage) ratio | 11.0676% | 1,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2299% | 1,809 |
| Memoranda: |
| Average total assets | $1,727,101,250 | 649 |
| Average earning assets | $1,590,354,750 | 638 |
| Average equity | $187,168,500 | 563 |
| Average total loans | $1,371,888,500 | 559 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6068% | 723 |
| Cost of funding earning assets | 1.6516% | 966 |
| Net interest margin | 3.9552% | 1,317 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 3.0629% | 951 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.6520% | 3,453 |
| Return on assets (ROA) | 0.6520% | 3,455 |
| Pretax return on assets | 0.9005% | 3,164 |
| Return on Equity (ROE) | 5.9700% | 3,695 |
| Retained earnings to average equity (ytd only) | 5.9704% | 2,634 |
| Net charge-offs to loans | 0.5341% | 153 |
| Credit loss provision to net charge-offs | 59.4207% | 1,635 |
| Earnings coverage of net charge-offs (x) | 2.2648% | 2,314 |
| Efficiency ratio | 75.6802% | 1,201 |
| Assets per employee ($millions) | 8.5098% | 1,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7666% | 661 |
| Loan loss allowance to noncurrent loans | 110.6742% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 1.2301% | 324 |
| Noncurrent loans to loans | 1.5962% | 411 |
| Net loans and leases to total assets | 75.7000% | 1,084 |
| Net loans and leases to deposits | 91.0101% | 1,110 |
| Net loans and leases to core deposits | 108.7063% | 879 |
| Total domestic deposits to total assets | 83.1800% | 3,004 |
| Equity capital to assets | 10.7508% | 1,488 |
| Core capital (leverage) ratio | 10.9682% | 1,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3248% | 2,166 |
| Memoranda: |
| Average total assets | $1,699,978,667 | 640 |
| Average earning assets | $1,559,216,333 | 640 |
| Average equity | $185,649,000 | 560 |
| Average total loans | $1,383,288,000 | 543 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4304% | 688 |
| Cost of funding earning assets | 1.2747% | 1,286 |
| Net interest margin | 4.1557% | 1,007 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 3.1745% | 834 |
| Loan and lease loss provision to assets | 0.4300% | 185 |
| Net operating income to assets | 0.4999% | 3,899 |
| Return on assets (ROA) | 0.4999% | 3,863 |
| Pretax return on assets | 0.6578% | 3,744 |
| Return on Equity (ROE) | 4.5400% | 3,951 |
| Retained earnings to average equity (ytd only) | 4.5401% | 3,124 |
| Net charge-offs to loans | 1.0328% | 76 |
| Credit loss provision to net charge-offs | 81.4424% | 1,208 |
| Earnings coverage of net charge-offs (x) | 1.2552% | 1,978 |
| Efficiency ratio | 74.5386% | 1,284 |
| Assets per employee ($millions) | 8.4684% | 1,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8404% | 614 |
| Loan loss allowance to noncurrent loans | 78.8408% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 1.8489% | 143 |
| Noncurrent loans to loans | 2.3343% | 213 |
| Net loans and leases to total assets | 77.7500% | 790 |
| Net loans and leases to deposits | 93.1154% | 842 |
| Net loans and leases to core deposits | 111.1062% | 667 |
| Total domestic deposits to total assets | 83.5000% | 3,197 |
| Equity capital to assets | 10.9123% | 1,373 |
| Core capital (leverage) ratio | 11.8279% | 1,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5226% | 2,173 |
| Memoranda: |
| Average total assets | $1,669,199,500 | 661 |
| Average earning assets | $1,525,412,500 | 661 |
| Average equity | $183,784,000 | 575 |
| Average total loans | $1,396,159,000 | 546 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9332% | 343 |
| Cost of funding earning assets | 0.2759% | 3,084 |
| Net interest margin | 4.6573% | 224 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.9873% | 982 |
| Loan and lease loss provision to assets | 3.2400% | 12 |
| Net operating income to assets | -1.2331% | 4,668 |
| Return on assets (ROA) | -1.2331% | 4,664 |
| Pretax return on assets | -1.5658% | 4,670 |
| Return on Equity (ROE) | -10.9100% | 4,665 |
| Retained earnings to average equity (ytd only) | -10.9127% | 4,640 |
| Net charge-offs to loans | 3.2164% | 17 |
| Credit loss provision to net charge-offs | 117.9145% | 1,471 |
| Earnings coverage of net charge-offs (x) | 0.6089% | 2,557 |
| Efficiency ratio | 64.1171% | 2,476 |
| Assets per employee ($millions) | 8.0603% | 1,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9437% | 480 |
| Loan loss allowance to noncurrent loans | 504.8381% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.3398% | 1,493 |
| Noncurrent loans to loans | 0.3850% | 1,764 |
| Net loans and leases to total assets | 86.5400% | 125 |
| Net loans and leases to deposits | 109.1932% | 172 |
| Net loans and leases to core deposits | 126.8159% | 265 |
| Total domestic deposits to total assets | 79.2600% | 3,972 |
| Equity capital to assets | 11.1123% | 1,213 |
| Core capital (leverage) ratio | 11.1672% | 1,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6250% | 2,522 |
| Memoranda: |
| Average total assets | $1,742,874,800 | 623 |
| Average earning assets | $1,615,905,000 | 612 |
| Average equity | $196,935,000 | 535 |
| Average total loans | $1,487,842,000 | 484 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7168% | 340 |
| Cost of funding earning assets | 0.1710% | 3,616 |
| Net interest margin | 4.5458% | 220 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 2.6230% | 1,659 |
| Loan and lease loss provision to assets | 3.6000% | 7 |
| Net operating income to assets | -1.2299% | 4,712 |
| Return on assets (ROA) | -1.2299% | 4,708 |
| Pretax return on assets | -1.6646% | 4,709 |
| Return on Equity (ROE) | -10.7500% | 4,702 |
| Retained earnings to average equity (ytd only) | -10.7505% | 4,682 |
| Net charge-offs to loans | 1.1709% | 42 |
| Credit loss provision to net charge-offs | 361.6210% | 738 |
| Earnings coverage of net charge-offs (x) | 1.9440% | 2,260 |
| Efficiency ratio | 57.5443% | 3,439 |
| Assets per employee ($millions) | 8.7740% | 976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5209% | 86 |
| Loan loss allowance to noncurrent loans | 107.0527% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 2.8372% | 61 |
| Noncurrent loans to loans | 3.2890% | 138 |
| Net loans and leases to total assets | 83.2300% | 305 |
| Net loans and leases to deposits | 99.6315% | 373 |
| Net loans and leases to core deposits | 104.8721% | 617 |
| Total domestic deposits to total assets | 83.5300% | 3,602 |
| Equity capital to assets | 10.4458% | 1,399 |
| Core capital (leverage) ratio | 10.9262% | 1,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3292% | 2,713 |
| Memoranda: |
| Average total assets | $1,771,484,000 | 619 |
| Average earning assets | $1,650,314,750 | 603 |
| Average equity | $202,665,250 | 524 |
| Average total loans | $1,506,015,250 | 472 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5504% | 346 |
| Cost of funding earning assets | 0.1368% | 3,749 |
| Net interest margin | 4.4136% | 222 |
| Noninterest income to average assets | 0.3220% | 3,247 |
| Noninterest expense to average assets | 2.5783% | 1,701 |
| Loan and lease loss provision to assets | 0.1231% | 804 |
| Net operating income to assets | 1.2603% | 1,253 |
| Return on assets (ROA) | 1.2603% | 1,235 |
| Pretax return on assets | 1.7598% | 659 |
| Return on Equity (ROE) | 10.7040% | 2,089 |
| Retained earnings to average equity (ytd only) | 10.7040% | 846 |
| Net charge-offs to loans | 0.2155% | 299 |
| Credit loss provision to net charge-offs | 67.4938% | 1,440 |
| Earnings coverage of net charge-offs (x) | 10.3269% | 1,756 |
| Efficiency ratio | 57.7948% | 3,588 |
| Assets per employee ($millions) | 9.2627% | 816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2374% | 2,484 |
| Loan loss allowance to noncurrent loans | 3,115.2709% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.0341% | 3,642 |
| Noncurrent loans to loans | 0.0397% | 3,648 |
| Net loans and leases to total assets | 84.7039% | 153 |
| Net loans and leases to deposits | 103.9336% | 169 |
| Net loans and leases to core deposits | 106.1008% | 449 |
| Total domestic deposits to total assets | 81.4981% | 4,069 |
| Equity capital to assets | 11.9428% | 897 |
| Core capital (leverage) ratio | 11.9221% | 1,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2388% | 1,963 |
| Memoranda: |
| Average total assets | $1,768,270,000 | 614 |
| Average earning assets | $1,658,326,333 | 603 |
| Average equity | $208,202,667 | 514 |
| Average total loans | $1,495,865,333 | 469 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4710% | 331 |
| Cost of funding earning assets | 0.1344% | 3,710 |
| Net interest margin | 4.3366% | 222 |
| Noninterest income to average assets | 0.3082% | 3,259 |
| Noninterest expense to average assets | 2.6019% | 1,595 |
| Loan and lease loss provision to assets | 0.0189% | 2,018 |
| Net operating income to assets | 1.2551% | 1,105 |
| Return on assets (ROA) | 1.2551% | 1,093 |
| Pretax return on assets | 1.7608% | 606 |
| Return on Equity (ROE) | 10.7378% | 1,713 |
| Retained earnings to average equity (ytd only) | 10.7378% | 837 |
| Net charge-offs to loans | 0.0766% | 613 |
| Credit loss provision to net charge-offs | 29.3286% | 1,264 |
| Earnings coverage of net charge-offs (x) | 27.6466% | 1,168 |
| Efficiency ratio | 59.3833% | 3,547 |
| Assets per employee ($millions) | 10.1751% | 653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3053% | 2,336 |
| Loan loss allowance to noncurrent loans | 1,025.8373% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.1050% | 3,073 |
| Noncurrent loans to loans | 0.1272% | 3,178 |
| Net loans and leases to total assets | 81.4680% | 181 |
| Net loans and leases to deposits | 94.7304% | 328 |
| Net loans and leases to core deposits | 96.6306% | 629 |
| Total domestic deposits to total assets | 85.9998% | 3,262 |
| Equity capital to assets | 11.6198% | 1,085 |
| Core capital (leverage) ratio | 12.0961% | 1,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7411% | 1,902 |
| Memoranda: |
| Average total assets | $1,758,558,000 | 619 |
| Average earning assets | $1,651,805,500 | 609 |
| Average equity | $205,553,500 | 531 |
| Average total loans | $1,477,189,000 | 471 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3600% | 769 |
| Cost of funding earning assets | 0.2334% | 3,096 |
| Net interest margin | 4.1266% | 564 |
| Noninterest income to average assets | 0.2893% | 3,662 |
| Noninterest expense to average assets | 2.5456% | 2,040 |
| Loan and lease loss provision to assets | 0.2432% | 391 |
| Net operating income to assets | 1.0090% | 2,632 |
| Return on assets (ROA) | 1.0090% | 2,706 |
| Pretax return on assets | 1.3812% | 2,109 |
| Return on Equity (ROE) | 8.3448% | 3,121 |
| Retained earnings to average equity (ytd only) | 8.3448% | 1,408 |
| Net charge-offs to loans | 0.2128% | 439 |
| Credit loss provision to net charge-offs | 133.6657% | 1,557 |
| Earnings coverage of net charge-offs (x) | 8.9268% | 2,284 |
| Efficiency ratio | 61.0459% | 2,989 |
| Assets per employee ($millions) | 9.8646% | 693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3207% | 2,266 |
| Loan loss allowance to noncurrent loans | 674.1355% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.1675% | 2,755 |
| Noncurrent loans to loans | 0.1959% | 2,969 |
| Net loans and leases to total assets | 84.3795% | 99 |
| Net loans and leases to deposits | 98.5146% | 231 |
| Net loans and leases to core deposits | 100.5740% | 515 |
| Total domestic deposits to total assets | 85.6518% | 3,033 |
| Equity capital to assets | 11.7602% | 1,362 |
| Core capital (leverage) ratio | 12.0687% | 1,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1793% | 2,169 |
| Memoranda: |
| Average total assets | $1,598,067,400 | 649 |
| Average earning assets | $1,502,854,400 | 636 |
| Average equity | $193,222,800 | 561 |
| Average total loans | $1,366,262,800 | 501 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3797% | 838 |
| Cost of funding earning assets | 0.2560% | 3,060 |
| Net interest margin | 4.1237% | 626 |
| Noninterest income to average assets | 0.2920% | 3,702 |
| Noninterest expense to average assets | 2.4569% | 2,252 |
| Loan and lease loss provision to assets | 0.2260% | 431 |
| Net operating income to assets | 1.0679% | 2,662 |
| Return on assets (ROA) | 1.0679% | 2,728 |
| Pretax return on assets | 1.4888% | 2,024 |
| Return on Equity (ROE) | 8.7662% | 3,176 |
| Retained earnings to average equity (ytd only) | 8.7662% | 1,779 |
| Net charge-offs to loans | 0.3017% | 258 |
| Credit loss provision to net charge-offs | 87.6197% | 1,679 |
| Earnings coverage of net charge-offs (x) | 6.6491% | 2,166 |
| Efficiency ratio | 58.8954% | 3,138 |
| Assets per employee ($millions) | 9.2322% | 826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3532% | 2,205 |
| Loan loss allowance to noncurrent loans | 597.5626% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.1868% | 2,864 |
| Noncurrent loans to loans | 0.2265% | 3,040 |
| Net loans and leases to total assets | 81.3906% | 227 |
| Net loans and leases to deposits | 95.5882% | 360 |
| Net loans and leases to core deposits | 99.7677% | 593 |
| Total domestic deposits to total assets | 85.1472% | 3,065 |
| Equity capital to assets | 12.2317% | 1,295 |
| Core capital (leverage) ratio | 12.4475% | 999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3584% | 1,843 |
| Memoranda: |
| Average total assets | $1,566,007,500 | 666 |
| Average earning assets | $1,473,292,500 | 655 |
| Average equity | $190,774,000 | 572 |
| Average total loans | $1,338,792,250 | 520 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3487% | 927 |
| Cost of funding earning assets | 0.2703% | 3,084 |
| Net interest margin | 4.0784% | 725 |
| Noninterest income to average assets | 0.2575% | 3,850 |
| Noninterest expense to average assets | 2.4280% | 2,370 |
| Loan and lease loss provision to assets | 0.3132% | 265 |
| Net operating income to assets | 0.9641% | 3,022 |
| Return on assets (ROA) | 0.9641% | 3,101 |
| Pretax return on assets | 1.3523% | 2,470 |
| Return on Equity (ROE) | 7.9249% | 3,428 |
| Retained earnings to average equity (ytd only) | 7.9249% | 2,103 |
| Net charge-offs to loans | 0.2282% | 381 |
| Credit loss provision to net charge-offs | 158.6117% | 1,141 |
| Earnings coverage of net charge-offs (x) | 8.4335% | 1,883 |
| Efficiency ratio | 59.3125% | 3,112 |
| Assets per employee ($millions) | 9.3115% | 771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4336% | 1,838 |
| Loan loss allowance to noncurrent loans | 415.9417% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.2948% | 2,446 |
| Noncurrent loans to loans | 0.3447% | 2,669 |
| Net loans and leases to total assets | 84.3131% | 126 |
| Net loans and leases to deposits | 98.9415% | 286 |
| Net loans and leases to core deposits | 104.3699% | 524 |
| Total domestic deposits to total assets | 85.2151% | 3,008 |
| Equity capital to assets | 12.1712% | 1,286 |
| Core capital (leverage) ratio | 12.3826% | 960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1070% | 1,938 |
| Memoranda: |
| Average total assets | $1,546,389,333 | 670 |
| Average earning assets | $1,454,504,667 | 656 |
| Average equity | $188,116,000 | 574 |
| Average total loans | $1,338,180,667 | 524 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4440% | 854 |
| Cost of funding earning assets | 0.2849% | 3,147 |
| Net interest margin | 4.1591% | 652 |
| Noninterest income to average assets | 0.2555% | 3,868 |
| Noninterest expense to average assets | 2.4142% | 2,453 |
| Loan and lease loss provision to assets | 0.1971% | 619 |
| Net operating income to assets | 1.1232% | 2,407 |
| Return on assets (ROA) | 1.1232% | 2,480 |
| Pretax return on assets | 1.5577% | 1,834 |
| Return on Equity (ROE) | 9.2358% | 2,947 |
| Retained earnings to average equity (ytd only) | 9.2358% | 1,875 |
| Net charge-offs to loans | 0.0719% | 838 |
| Credit loss provision to net charge-offs | 315.0628% | 735 |
| Earnings coverage of net charge-offs (x) | 28.0502% | 1,123 |
| Efficiency ratio | 57.9080% | 3,314 |
| Assets per employee ($millions) | 9.5190% | 694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4340% | 1,828 |
| Loan loss allowance to noncurrent loans | 255.2918% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.4805% | 1,952 |
| Noncurrent loans to loans | 0.5617% | 2,166 |
| Net loans and leases to total assets | 84.3092% | 139 |
| Net loans and leases to deposits | 99.0201% | 318 |
| Net loans and leases to core deposits | 106.9247% | 482 |
| Total domestic deposits to total assets | 85.1435% | 3,047 |
| Equity capital to assets | 12.1385% | 1,226 |
| Core capital (leverage) ratio | 12.2779% | 1,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1718% | 1,852 |
| Memoranda: |
| Average total assets | $1,528,109,000 | 669 |
| Average earning assets | $1,437,897,000 | 657 |
| Average equity | $185,842,000 | 579 |
| Average total loans | $1,330,247,500 | 525 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7222% | 855 |
| Cost of funding earning assets | 0.4933% | 2,990 |
| Net interest margin | 4.2289% | 596 |
| Noninterest income to average assets | 0.2764% | 3,824 |
| Noninterest expense to average assets | 2.6113% | 2,512 |
| Loan and lease loss provision to assets | 0.4114% | 738 |
| Net operating income to assets | 0.8874% | 2,750 |
| Return on assets (ROA) | 0.8874% | 2,892 |
| Pretax return on assets | 1.2299% | 2,225 |
| Return on Equity (ROE) | 6.8978% | 3,248 |
| Retained earnings to average equity (ytd only) | 6.8978% | 1,429 |
| Net charge-offs to loans | 0.0759% | 1,724 |
| Credit loss provision to net charge-offs | 605.0811% | 1,097 |
| Earnings coverage of net charge-offs (x) | 24.1405% | 1,783 |
| Efficiency ratio | 61.4055% | 3,242 |
| Assets per employee ($millions) | 9.5836% | 605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3888% | 2,013 |
| Loan loss allowance to noncurrent loans | 341.7051% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.3602% | 2,545 |
| Noncurrent loans to loans | 0.4064% | 2,757 |
| Net loans and leases to total assets | 87.3846% | 60 |
| Net loans and leases to deposits | 102.7846% | 290 |
| Net loans and leases to core deposits | 113.3574% | 427 |
| Total domestic deposits to total assets | 85.0172% | 2,753 |
| Equity capital to assets | 12.1854% | 1,483 |
| Core capital (leverage) ratio | 12.3738% | 1,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5966% | 2,017 |
| Memoranda: |
| Average total assets | $1,360,554,600 | 674 |
| Average earning assets | $1,279,236,400 | 661 |
| Average equity | $175,041,800 | 577 |
| Average total loans | $1,218,758,400 | 543 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6521% | 1,182 |
| Cost of funding earning assets | 0.5560% | 2,893 |
| Net interest margin | 4.0961% | 905 |
| Noninterest income to average assets | 0.3321% | 3,497 |
| Noninterest expense to average assets | 2.6638% | 2,356 |
| Loan and lease loss provision to assets | 0.4762% | 645 |
| Net operating income to assets | 0.7513% | 3,281 |
| Return on assets (ROA) | 0.7513% | 3,386 |
| Pretax return on assets | 1.0408% | 2,935 |
| Return on Equity (ROE) | 5.7536% | 3,638 |
| Retained earnings to average equity (ytd only) | 5.7536% | 2,208 |
| Net charge-offs to loans | 0.0883% | 1,419 |
| Credit loss provision to net charge-offs | 600.3807% | 1,161 |
| Earnings coverage of net charge-offs (x) | 19.1256% | 1,946 |
| Efficiency ratio | 63.7141% | 2,785 |
| Assets per employee ($millions) | 9.7855% | 548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3088% | 2,123 |
| Loan loss allowance to noncurrent loans | 70.5705% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 1.6836% | 472 |
| Noncurrent loans to loans | 1.8546% | 698 |
| Net loans and leases to total assets | 89.5906% | 48 |
| Net loans and leases to deposits | 110.1206% | 227 |
| Net loans and leases to core deposits | 122.2219% | 369 |
| Total domestic deposits to total assets | 81.3568% | 3,578 |
| Equity capital to assets | 11.9012% | 1,737 |
| Core capital (leverage) ratio | 12.6096% | 1,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2892% | 2,069 |
| Memoranda: |
| Average total assets | $1,324,537,000 | 674 |
| Average earning assets | $1,244,564,000 | 658 |
| Average equity | $172,966,250 | 577 |
| Average total loans | $1,190,116,250 | 542 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7952% | 1,181 |
| Cost of funding earning assets | 0.6518% | 2,689 |
| Net interest margin | 4.1434% | 1,032 |
| Noninterest income to average assets | 0.3244% | 3,521 |
| Noninterest expense to average assets | 2.6453% | 2,536 |
| Loan and lease loss provision to assets | 0.6268% | 493 |
| Net operating income to assets | 0.6835% | 3,452 |
| Return on assets (ROA) | 0.6835% | 3,555 |
| Pretax return on assets | 0.9429% | 3,198 |
| Return on Equity (ROE) | 5.0576% | 3,818 |
| Retained earnings to average equity (ytd only) | 5.0576% | 2,451 |
| Net charge-offs to loans | 0.1161% | 1,150 |
| Credit loss provision to net charge-offs | 603.4954% | 1,102 |
| Earnings coverage of net charge-offs (x) | 15.1125% | 1,926 |
| Efficiency ratio | 62.7593% | 2,996 |
| Assets per employee ($millions) | 8.9500% | 687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3381% | 1,832 |
| Loan loss allowance to noncurrent loans | 65.8935% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 1.8414% | 422 |
| Noncurrent loans to loans | 2.0307% | 658 |
| Net loans and leases to total assets | 89.4631% | 38 |
| Net loans and leases to deposits | 108.0437% | 268 |
| Net loans and leases to core deposits | 121.4272% | 391 |
| Total domestic deposits to total assets | 82.8027% | 3,141 |
| Equity capital to assets | 12.3442% | 1,459 |
| Core capital (leverage) ratio | 13.1005% | 975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7239% | 1,918 |
| Memoranda: |
| Average total assets | $1,266,986,333 | 686 |
| Average earning assets | $1,189,701,000 | 669 |
| Average equity | $171,227,000 | 582 |
| Average total loans | $1,133,778,667 | 553 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9997% | 970 |
| Cost of funding earning assets | 0.7630% | 2,594 |
| Net interest margin | 4.2367% | 852 |
| Noninterest income to average assets | 0.3895% | 3,172 |
| Noninterest expense to average assets | 2.8043% | 2,420 |
| Loan and lease loss provision to assets | 1.0387% | 202 |
| Net operating income to assets | 0.3864% | 4,169 |
| Return on assets (ROA) | 0.3864% | 4,203 |
| Pretax return on assets | 0.5255% | 4,079 |
| Return on Equity (ROE) | 2.7200% | 4,287 |
| Retained earnings to average equity (ytd only) | 2.7200% | 3,193 |
| Net charge-offs to loans | 0.1019% | 1,072 |
| Credit loss provision to net charge-offs | 1,147.7778% | 516 |
| Earnings coverage of net charge-offs (x) | 17.2852% | 1,500 |
| Efficiency ratio | 64.1936% | 3,204 |
| Assets per employee ($millions) | 8.5537% | 618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4550% | 1,516 |
| Loan loss allowance to noncurrent loans | 66.8725% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 1.9696% | 431 |
| Noncurrent loans to loans | 2.1758% | 617 |
| Net loans and leases to total assets | 89.2047% | 47 |
| Net loans and leases to deposits | 119.5592% | 85 |
| Net loans and leases to core deposits | 137.0684% | 190 |
| Total domestic deposits to total assets | 74.6114% | 4,612 |
| Equity capital to assets | 13.4590% | 1,239 |
| Core capital (leverage) ratio | 14.3078% | 834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3546% | 1,798 |
| Memoranda: |
| Average total assets | $1,193,433,000 | 697 |
| Average earning assets | $1,120,868,000 | 684 |
| Average equity | $169,561,000 | 582 |
| Average total loans | $1,059,543,500 | 566 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3355% | 768 |
| Cost of funding earning assets | 0.8692% | 2,336 |
| Net interest margin | 4.4662% | 773 |
| Noninterest income to average assets | 0.4281% | 3,117 |
| Noninterest expense to average assets | 2.6753% | 2,954 |
| Loan and lease loss provision to assets | 0.5120% | 251 |
| Net operating income to assets | 1.0206% | 2,767 |
| Return on assets (ROA) | 1.0292% | 2,829 |
| Pretax return on assets | 1.3918% | 2,191 |
| Return on Equity (ROE) | 8.1327% | 3,109 |
| Retained earnings to average equity (ytd only) | 8.1327% | 935 |
| Net charge-offs to loans | 0.3491% | 577 |
| Credit loss provision to net charge-offs | 168.4910% | 1,539 |
| Earnings coverage of net charge-offs (x) | 6.2297% | 2,994 |
| Efficiency ratio | 58.5632% | 3,903 |
| Assets per employee ($millions) | 8.0642% | 695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4227% | 1,444 |
| Loan loss allowance to noncurrent loans | 237.5601% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.5199% | 2,340 |
| Noncurrent loans to loans | 0.5989% | 2,388 |
| Net loans and leases to total assets | 85.5801% | 195 |
| Net loans and leases to deposits | 106.4720% | 283 |
| Net loans and leases to core deposits | 114.6367% | 646 |
| Total domestic deposits to total assets | 80.3780% | 3,901 |
| Equity capital to assets | 15.0535% | 778 |
| Core capital (leverage) ratio | 15.1762% | 653 |
| Tier 1 risk-based capital ratio | 16.3693% | 2,267 |
| Total risk-based capital ratio | 17.6205% | 2,210 |
| Memoranda: |
| Average total assets | $1,040,295,200 | 754 |
| Average earning assets | $964,323,200 | 749 |
| Average equity | $131,654,400 | 699 |
| Average total loans | $905,419,800 | 639 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3845% | 728 |
| Cost of funding earning assets | 0.9154% | 2,159 |
| Net interest margin | 4.4690% | 823 |
| Noninterest income to average assets | 0.4455% | 3,049 |
| Noninterest expense to average assets | 2.6566% | 2,993 |
| Loan and lease loss provision to assets | 0.4769% | 254 |
| Net operating income to assets | 1.0625% | 2,725 |
| Return on assets (ROA) | 1.0742% | 2,761 |
| Pretax return on assets | 1.4595% | 2,079 |
| Return on Equity (ROE) | 8.9541% | 2,908 |
| Retained earnings to average equity (ytd only) | 8.9541% | 1,061 |
| Net charge-offs to loans | 0.4340% | 386 |
| Credit loss provision to net charge-offs | 126.1757% | 1,869 |
| Earnings coverage of net charge-offs (x) | 5.0840% | 2,953 |
| Efficiency ratio | 58.0262% | 3,934 |
| Assets per employee ($millions) | 8.0437% | 682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3249% | 1,865 |
| Loan loss allowance to noncurrent loans | 207.6987% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.7170% | 1,906 |
| Noncurrent loans to loans | 0.6379% | 2,376 |
| Net loans and leases to total assets | 85.9369% | 199 |
| Net loans and leases to deposits | 102.7037% | 464 |
| Net loans and leases to core deposits | 112.4070% | 826 |
| Total domestic deposits to total assets | 83.6745% | 2,941 |
| Equity capital to assets | 11.8608% | 2,364 |
| Core capital (leverage) ratio | 12.0036% | 1,849 |
| Tier 1 risk-based capital ratio | 12.7673% | 3,978 |
| Total risk-based capital ratio | 14.0149% | 3,870 |
| Memoranda: |
| Average total assets | $1,020,138,500 | 772 |
| Average earning assets | $943,359,250 | 759 |
| Average equity | $122,383,500 | 741 |
| Average total loans | $888,492,000 | 648 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3645% | 719 |
| Cost of funding earning assets | 0.9029% | 2,127 |
| Net interest margin | 4.4616% | 832 |
| Noninterest income to average assets | 0.4440% | 2,992 |
| Noninterest expense to average assets | 2.7533% | 2,744 |
| Loan and lease loss provision to assets | 0.5627% | 197 |
| Net operating income to assets | 0.9275% | 3,179 |
| Return on assets (ROA) | 0.9454% | 3,178 |
| Pretax return on assets | 1.2771% | 2,643 |
| Return on Equity (ROE) | 7.8481% | 3,354 |
| Retained earnings to average equity (ytd only) | 7.8481% | 1,450 |
| Net charge-offs to loans | 0.6208% | 246 |
| Credit loss provision to net charge-offs | 104.0650% | 1,911 |
| Earnings coverage of net charge-offs (x) | 3.3607% | 2,852 |
| Efficiency ratio | 60.2413% | 3,686 |
| Assets per employee ($millions) | 8.1154% | 643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3145% | 1,952 |
| Loan loss allowance to noncurrent loans | 217.6080% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.6945% | 1,975 |
| Noncurrent loans to loans | 0.6041% | 2,454 |
| Net loans and leases to total assets | 85.8795% | 223 |
| Net loans and leases to deposits | 109.5427% | 229 |
| Net loans and leases to core deposits | 124.1562% | 425 |
| Total domestic deposits to total assets | 78.3981% | 4,330 |
| Equity capital to assets | 12.0094% | 2,177 |
| Core capital (leverage) ratio | 12.2987% | 1,639 |
| Tier 1 risk-based capital ratio | 12.9614% | 3,859 |
| Total risk-based capital ratio | 14.2000% | 3,774 |
| Memoranda: |
| Average total assets | $1,000,897,330 | 781 |
| Average earning assets | $925,717,330 | 774 |
| Average equity | $120,563,670 | 743 |
| Average total loans | $871,750,000 | 669 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3066% | 748 |
| Cost of funding earning assets | 0.8806% | 2,090 |
| Net interest margin | 4.4261% | 853 |
| Noninterest income to average assets | 0.4268% | 2,998 |
| Noninterest expense to average assets | 2.7667% | 2,687 |
| Loan and lease loss provision to assets | 0.5931% | 178 |
| Net operating income to assets | 0.8619% | 3,394 |
| Return on assets (ROA) | 0.8982% | 3,297 |
| Pretax return on assets | 1.2134% | 2,754 |
| Return on Equity (ROE) | 7.4447% | 3,482 |
| Retained earnings to average equity (ytd only) | 7.4447% | 1,869 |
| Net charge-offs to loans | 0.5983% | 248 |
| Credit loss provision to net charge-offs | 113.7743% | 1,465 |
| Earnings coverage of net charge-offs (x) | 3.3774% | 2,405 |
| Efficiency ratio | 61.1111% | 3,666 |
| Assets per employee ($millions) | 7.9851% | 677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3611% | 1,823 |
| Loan loss allowance to noncurrent loans | 147.0180% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 0.9803% | 1,423 |
| Noncurrent loans to loans | 0.9258% | 1,804 |
| Net loans and leases to total assets | 86.0875% | 182 |
| Net loans and leases to deposits | 110.1761% | 212 |
| Net loans and leases to core deposits | 123.1579% | 443 |
| Total domestic deposits to total assets | 78.1363% | 4,495 |
| Equity capital to assets | 12.0524% | 1,992 |
| Core capital (leverage) ratio | 12.1959% | 1,668 |
| Tier 1 risk-based capital ratio | 13.1998% | 3,775 |
| Total risk-based capital ratio | 14.4503% | 3,680 |
| Memoranda: |
| Average total assets | $986,015,500 | 796 |
| Average earning assets | $913,499,500 | 788 |
| Average equity | $118,957,500 | 750 |
| Average total loans | $859,167,000 | 679 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9486% | 1,160 |
| Cost of funding earning assets | 0.6246% | 2,555 |
| Net interest margin | 4.3240% | 1,101 |
| Noninterest income to average assets | 0.4876% | 2,896 |
| Noninterest expense to average assets | 2.7923% | 2,716 |
| Loan and lease loss provision to assets | 0.3614% | 414 |
| Net operating income to assets | 1.0084% | 2,968 |
| Return on assets (ROA) | 1.0084% | 2,955 |
| Pretax return on assets | 1.3582% | 2,281 |
| Return on Equity (ROE) | 8.2908% | 3,326 |
| Retained earnings to average equity (ytd only) | 8.2908% | 1,123 |
| Net charge-offs to loans | 0.1782% | 1,080 |
| Credit loss provision to net charge-offs | 236.7710% | 1,251 |
| Earnings coverage of net charge-offs (x) | 11.2667% | 2,640 |
| Efficiency ratio | 61.8877% | 3,552 |
| Assets per employee ($millions) | 7.9179% | 680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3786% | 1,719 |
| Loan loss allowance to noncurrent loans | 196.7324% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.7817% | 1,785 |
| Noncurrent loans to loans | 0.7008% | 2,238 |
| Net loans and leases to total assets | 85.7922% | 245 |
| Net loans and leases to deposits | 108.1182% | 302 |
| Net loans and leases to core deposits | 118.7513% | 591 |
| Total domestic deposits to total assets | 79.3504% | 4,247 |
| Equity capital to assets | 12.0768% | 1,843 |
| Core capital (leverage) ratio | 12.6874% | 1,387 |
| Tier 1 risk-based capital ratio | 13.2998% | 3,659 |
| Total risk-based capital ratio | 14.5506% | 3,544 |
| Memoranda: |
| Average total assets | $921,195,600 | 832 |
| Average earning assets | $857,358,000 | 819 |
| Average equity | $112,039,600 | 765 |
| Average total loans | $788,876,400 | 711 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8964% | 1,166 |
| Cost of funding earning assets | 0.5966% | 2,495 |
| Net interest margin | 4.2998% | 1,112 |
| Noninterest income to average assets | 0.4998% | 2,865 |
| Noninterest expense to average assets | 2.8248% | 2,554 |
| Loan and lease loss provision to assets | 0.3987% | 319 |
| Net operating income to assets | 0.9500% | 3,303 |
| Return on assets (ROA) | 0.9500% | 3,316 |
| Pretax return on assets | 1.2810% | 2,694 |
| Return on Equity (ROE) | 7.7965% | 3,628 |
| Retained earnings to average equity (ytd only) | 7.7965% | 1,746 |
| Net charge-offs to loans | 0.2304% | 740 |
| Credit loss provision to net charge-offs | 202.9148% | 1,364 |
| Earnings coverage of net charge-offs (x) | 8.5493% | 2,694 |
| Efficiency ratio | 62.7115% | 3,390 |
| Assets per employee ($millions) | 7.0903% | 900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4015% | 1,691 |
| Loan loss allowance to noncurrent loans | 151.4006% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.8040% | 1,833 |
| Noncurrent loans to loans | 0.9257% | 1,841 |
| Net loans and leases to total assets | 85.6386% | 296 |
| Net loans and leases to deposits | 103.6018% | 571 |
| Net loans and leases to core deposits | 112.6238% | 887 |
| Total domestic deposits to total assets | 82.6613% | 3,414 |
| Equity capital to assets | 12.4603% | 1,617 |
| Core capital (leverage) ratio | 12.4230% | 1,541 |
| Tier 1 risk-based capital ratio | 13.7646% | 3,481 |
| Total risk-based capital ratio | 15.0155% | 3,399 |
| Memoranda: |
| Average total assets | $908,020,250 | 843 |
| Average earning assets | $845,685,000 | 832 |
| Average equity | $110,645,500 | 771 |
| Average total loans | $774,293,500 | 717 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7987% | 1,255 |
| Cost of funding earning assets | 0.5492% | 2,617 |
| Net interest margin | 4.2495% | 1,160 |
| Noninterest income to average assets | 0.4899% | 2,915 |
| Noninterest expense to average assets | 2.8595% | 2,466 |
| Loan and lease loss provision to assets | 0.2857% | 492 |
| Net operating income to assets | 0.9693% | 3,144 |
| Return on assets (ROA) | 0.9693% | 3,148 |
| Pretax return on assets | 1.3034% | 2,499 |
| Return on Equity (ROE) | 8.0155% | 3,502 |
| Retained earnings to average equity (ytd only) | 8.0155% | 1,628 |
| Net charge-offs to loans | 0.1097% | 1,277 |
| Credit loss provision to net charge-offs | 307.3634% | 983 |
| Earnings coverage of net charge-offs (x) | 17.0950% | 1,970 |
| Efficiency ratio | 64.2793% | 3,278 |
| Assets per employee ($millions) | 7.1699% | 869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3615% | 1,890 |
| Loan loss allowance to noncurrent loans | 149.1302% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.7707% | 1,936 |
| Noncurrent loans to loans | 0.9130% | 1,894 |
| Net loans and leases to total assets | 83.2621% | 552 |
| Net loans and leases to deposits | 101.4784% | 698 |
| Net loans and leases to core deposits | 109.4271% | 1,038 |
| Total domestic deposits to total assets | 82.0491% | 3,707 |
| Equity capital to assets | 12.0896% | 1,796 |
| Core capital (leverage) ratio | 12.5836% | 1,391 |
| Tier 1 risk-based capital ratio | 13.7683% | 3,471 |
| Total risk-based capital ratio | 15.0189% | 3,386 |
| Memoranda: |
| Average total assets | $905,811,000 | 845 |
| Average earning assets | $843,811,670 | 835 |
| Average equity | $109,538,000 | 776 |
| Average total loans | $767,582,670 | 723 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6688% | 1,381 |
| Cost of funding earning assets | 0.5113% | 2,713 |
| Net interest margin | 4.1575% | 1,279 |
| Noninterest income to average assets | 0.4949% | 2,834 |
| Noninterest expense to average assets | 2.8831% | 2,432 |
| Loan and lease loss provision to assets | 0.2928% | 448 |
| Net operating income to assets | 0.8953% | 3,316 |
| Return on assets (ROA) | 0.8953% | 3,322 |
| Pretax return on assets | 1.1947% | 2,771 |
| Return on Equity (ROE) | 7.4024% | 3,632 |
| Retained earnings to average equity (ytd only) | 7.4024% | 2,103 |
| Net charge-offs to loans | 0.0930% | 1,242 |
| Credit loss provision to net charge-offs | 370.6215% | 716 |
| Earnings coverage of net charge-offs (x) | 18.8305% | 1,524 |
| Efficiency ratio | 65.9655% | 3,162 |
| Assets per employee ($millions) | 6.9052% | 998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3291% | 2,106 |
| Loan loss allowance to noncurrent loans | 106.8142% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 1.0758% | 1,450 |
| Noncurrent loans to loans | 1.2444% | 1,460 |
| Net loans and leases to total assets | 85.3060% | 313 |
| Net loans and leases to deposits | 104.9070% | 432 |
| Net loans and leases to core deposits | 113.6745% | 818 |
| Total domestic deposits to total assets | 81.3159% | 4,131 |
| Equity capital to assets | 12.2552% | 1,630 |
| Core capital (leverage) ratio | 12.3570% | 1,455 |
| Tier 1 risk-based capital ratio | 13.7516% | 3,518 |
| Total risk-based capital ratio | 15.0020% | 3,423 |
| Memoranda: |
| Average total assets | $896,258,000 | 862 |
| Average earning assets | $835,510,000 | 851 |
| Average equity | $108,397,500 | 782 |
| Average total loans | $761,006,500 | 728 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4171% | 1,982 |
| Cost of funding earning assets | 0.4741% | 2,560 |
| Net interest margin | 3.9430% | 1,945 |
| Noninterest income to average assets | 0.5075% | 2,952 |
| Noninterest expense to average assets | 2.7719% | 2,882 |
| Loan and lease loss provision to assets | 0.3374% | 489 |
| Net operating income to assets | 0.4737% | 4,447 |
| Return on assets (ROA) | 0.9095% | 2,683 |
| Pretax return on assets | 1.7625% | 873 |
| Return on Equity (ROE) | 7.5309% | 3,021 |
| Retained earnings to average equity (ytd only) | 7.5309% | 913 |
| Net charge-offs to loans | 0.2505% | 1,044 |
| Credit loss provision to net charge-offs | 166.2316% | 1,620 |
| Earnings coverage of net charge-offs (x) | 6.9909% | 3,107 |
| Efficiency ratio | 66.1426% | 3,242 |
| Assets per employee ($millions) | 7.1567% | 908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2977% | 2,225 |
| Loan loss allowance to noncurrent loans | 108.0151% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 1.0017% | 1,538 |
| Noncurrent loans to loans | 1.2014% | 1,478 |
| Net loans and leases to total assets | 82.3003% | 641 |
| Net loans and leases to deposits | 98.3311% | 875 |
| Net loans and leases to core deposits | 107.7718% | 1,146 |
| Total domestic deposits to total assets | 83.6971% | 3,313 |
| Equity capital to assets | 11.9356% | 1,874 |
| Core capital (leverage) ratio | 11.8033% | 1,721 |
| Tier 1 risk-based capital ratio | 13.7073% | 3,517 |
| Total risk-based capital ratio | 14.9560% | 3,436 |
| Memoranda: |
| Average total assets | $868,128,800 | 858 |
| Average earning assets | $810,954,800 | 847 |
| Average equity | $104,847,400 | 784 |
| Average total loans | $703,285,800 | 742 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3482% | 2,116 |
| Cost of funding earning assets | 0.4569% | 2,642 |
| Net interest margin | 3.8912% | 2,069 |
| Noninterest income to average assets | 0.5181% | 2,912 |
| Noninterest expense to average assets | 2.7371% | 2,934 |
| Loan and lease loss provision to assets | 0.3826% | 368 |
| Net operating income to assets | 0.7030% | 3,964 |
| Return on assets (ROA) | 0.9552% | 2,810 |
| Pretax return on assets | 1.4065% | 2,097 |
| Return on Equity (ROE) | 7.8844% | 3,187 |
| Retained earnings to average equity (ytd only) | 7.8844% | 1,267 |
| Net charge-offs to loans | 0.0241% | 2,965 |
| Credit loss provision to net charge-offs | 1,973.6000% | 206 |
| Earnings coverage of net charge-offs (x) | 73.1611% | 865 |
| Efficiency ratio | 65.8692% | 3,233 |
| Assets per employee ($millions) | 7.6084% | 727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4394% | 1,741 |
| Loan loss allowance to noncurrent loans | 193.5895% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.6100% | 2,683 |
| Noncurrent loans to loans | 0.7435% | 2,502 |
| Net loans and leases to total assets | 80.6423% | 895 |
| Net loans and leases to deposits | 102.5587% | 577 |
| Net loans and leases to core deposits | 116.2559% | 740 |
| Total domestic deposits to total assets | 78.6304% | 4,606 |
| Equity capital to assets | 11.6145% | 2,260 |
| Core capital (leverage) ratio | 11.8196% | 1,807 |
| Tier 1 risk-based capital ratio | 13.0204% | 3,994 |
| Total risk-based capital ratio | 14.4233% | 3,805 |
| Memoranda: |
| Average total assets | $859,725,000 | 873 |
| Average earning assets | $803,597,500 | 858 |
| Average equity | $104,152,000 | 787 |
| Average total loans | $691,133,500 | 757 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3291% | 2,038 |
| Cost of funding earning assets | 0.4393% | 2,701 |
| Net interest margin | 3.8898% | 1,968 |
| Noninterest income to average assets | 0.5310% | 2,826 |
| Noninterest expense to average assets | 2.7875% | 2,810 |
| Loan and lease loss provision to assets | 0.3477% | 414 |
| Net operating income to assets | 0.7193% | 3,757 |
| Return on assets (ROA) | 0.8097% | 3,407 |
| Pretax return on assets | 1.1624% | 2,918 |
| Return on Equity (ROE) | 6.5829% | 3,786 |
| Retained earnings to average equity (ytd only) | 6.5829% | 1,799 |
| Net charge-offs to loans | 0.0278% | 2,654 |
| Credit loss provision to net charge-offs | 1,564.5161% | 262 |
| Earnings coverage of net charge-offs (x) | 62.1398% | 929 |
| Efficiency ratio | 66.8692% | 3,201 |
| Assets per employee ($millions) | 7.0057% | 933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3977% | 1,958 |
| Loan loss allowance to noncurrent loans | 235.0496% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.4814% | 3,165 |
| Noncurrent loans to loans | 0.5946% | 2,949 |
| Net loans and leases to total assets | 79.5371% | 1,018 |
| Net loans and leases to deposits | 99.4512% | 778 |
| Net loans and leases to core deposits | 112.4356% | 878 |
| Total domestic deposits to total assets | 79.9760% | 4,417 |
| Equity capital to assets | 11.9684% | 1,952 |
| Core capital (leverage) ratio | 12.0470% | 1,604 |
| Tier 1 risk-based capital ratio | 13.3008% | 3,799 |
| Total risk-based capital ratio | 14.7710% | 3,605 |
| Memoranda: |
| Average total assets | $836,893,670 | 903 |
| Average earning assets | $782,619,000 | 890 |
| Average equity | $102,933,330 | 800 |
| Average total loans | $668,355,000 | 785 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2800% | 2,012 |
| Cost of funding earning assets | 0.4263% | 2,756 |
| Net interest margin | 3.8536% | 1,943 |
| Noninterest income to average assets | 0.5342% | 2,744 |
| Noninterest expense to average assets | 2.8015% | 2,785 |
| Loan and lease loss provision to assets | 0.2767% | 518 |
| Net operating income to assets | 0.7205% | 3,614 |
| Return on assets (ROA) | 0.8816% | 2,903 |
| Pretax return on assets | 1.2954% | 2,251 |
| Return on Equity (ROE) | 7.0646% | 3,374 |
| Retained earnings to average equity (ytd only) | 7.0646% | 1,823 |
| Net charge-offs to loans | 0.0087% | 2,672 |
| Credit loss provision to net charge-offs | 4,021.4286% | 73 |
| Earnings coverage of net charge-offs (x) | 194.0714% | 290 |
| Efficiency ratio | 67.7239% | 3,247 |
| Assets per employee ($millions) | 6.6582% | 1,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3847% | 2,139 |
| Loan loss allowance to noncurrent loans | 662.7266% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.1704% | 4,565 |
| Noncurrent loans to loans | 0.2089% | 4,366 |
| Net loans and leases to total assets | 78.2048% | 1,102 |
| Net loans and leases to deposits | 94.9886% | 1,019 |
| Net loans and leases to core deposits | 108.0411% | 977 |
| Total domestic deposits to total assets | 82.3307% | 4,077 |
| Equity capital to assets | 12.3430% | 1,636 |
| Core capital (leverage) ratio | 12.1736% | 1,521 |
| Tier 1 risk-based capital ratio | 14.0986% | 3,416 |
| Total risk-based capital ratio | 15.5699% | 3,222 |
| Memoranda: |
| Average total assets | $813,983,500 | 930 |
| Average earning assets | $760,941,000 | 917 |
| Average equity | $101,576,500 | 809 |
| Average total loans | $646,514,000 | 817 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0520% | 3,012 |
| Cost of funding earning assets | 0.4134% | 2,878 |
| Net interest margin | 3.6386% | 2,929 |
| Noninterest income to average assets | 0.5711% | 2,810 |
| Noninterest expense to average assets | 2.7355% | 3,241 |
| Loan and lease loss provision to assets | 0.0924% | 2,511 |
| Net operating income to assets | 0.7695% | 3,455 |
| Return on assets (ROA) | 0.8311% | 3,261 |
| Pretax return on assets | 1.2275% | 2,562 |
| Return on Equity (ROE) | 6.2817% | 3,856 |
| Retained earnings to average equity (ytd only) | 6.2817% | 1,570 |
| Net charge-offs to loans | 0.0032% | 4,152 |
| Credit loss provision to net charge-offs | 3,700.0000% | 116 |
| Earnings coverage of net charge-offs (x) | 492.3158% | 164 |
| Efficiency ratio | 68.9967% | 3,076 |
| Assets per employee ($millions) | 6.5221% | 1,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3570% | 2,272 |
| Loan loss allowance to noncurrent loans | 542.9836% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.2021% | 4,517 |
| Noncurrent loans to loans | 0.2499% | 4,260 |
| Net loans and leases to total assets | 78.4751% | 1,129 |
| Net loans and leases to deposits | 98.5455% | 777 |
| Net loans and leases to core deposits | 107.4906% | 1,046 |
| Total domestic deposits to total assets | 79.6334% | 4,650 |
| Equity capital to assets | 12.6211% | 1,449 |
| Core capital (leverage) ratio | 12.5895% | 1,307 |
| Tier 1 risk-based capital ratio | 14.4088% | 3,233 |
| Total risk-based capital ratio | 15.8801% | 3,073 |
| Memoranda: |
| Average total assets | $760,995,600 | 949 |
| Average earning assets | $709,745,000 | 939 |
| Average equity | $100,690,000 | 784 |
| Average total loans | $589,038,200 | 845 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0479% | 3,042 |
| Cost of funding earning assets | 0.4149% | 2,886 |
| Net interest margin | 3.6331% | 2,957 |
| Noninterest income to average assets | 0.5824% | 2,753 |
| Noninterest expense to average assets | 2.7459% | 3,189 |
| Loan and lease loss provision to assets | 0.0858% | 2,509 |
| Net operating income to assets | 0.7582% | 3,570 |
| Return on assets (ROA) | 0.8147% | 3,438 |
| Pretax return on assets | 1.2198% | 2,754 |
| Return on Equity (ROE) | 6.0832% | 4,034 |
| Retained earnings to average equity (ytd only) | 6.0832% | 2,137 |
| Net charge-offs to loans | 0.0009% | 3,920 |
| Credit loss provision to net charge-offs | 12,100.0000% | 33 |
| Earnings coverage of net charge-offs (x) | 1,723.7842% | 36 |
| Efficiency ratio | 69.2160% | 3,014 |
| Assets per employee ($millions) | 6.2981% | 1,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4029% | 2,185 |
| Loan loss allowance to noncurrent loans | 590.5634% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.1848% | 4,698 |
| Noncurrent loans to loans | 0.2376% | 4,421 |
| Net loans and leases to total assets | 76.7036% | 1,407 |
| Net loans and leases to deposits | 96.4160% | 1,012 |
| Net loans and leases to core deposits | 104.9056% | 1,279 |
| Total domestic deposits to total assets | 79.5549% | 4,600 |
| Equity capital to assets | 13.5428% | 1,229 |
| Core capital (leverage) ratio | 13.1865% | 1,118 |
| Tier 1 risk-based capital ratio | 15.7642% | 2,716 |
| Total risk-based capital ratio | 17.2354% | 2,570 |
| Memoranda: |
| Average total assets | $752,320,000 | 961 |
| Average earning assets | $700,916,750 | 948 |
| Average equity | $100,756,000 | 789 |
| Average total loans | $578,044,000 | 857 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0291% | 3,144 |
| Cost of funding earning assets | 0.4137% | 2,901 |
| Net interest margin | 3.6154% | 3,037 |
| Noninterest income to average assets | 0.5663% | 2,817 |
| Noninterest expense to average assets | 2.7329% | 3,265 |
| Loan and lease loss provision to assets | 0.0859% | 2,423 |
| Net operating income to assets | 0.7542% | 3,527 |
| Return on assets (ROA) | 0.7609% | 3,640 |
| Pretax return on assets | 1.1221% | 3,117 |
| Return on Equity (ROE) | 5.7037% | 4,191 |
| Retained earnings to average equity (ytd only) | 5.7037% | 2,294 |
| Net charge-offs to loans | -0.0014% | 4,339 |
| Credit loss provision to net charge-offs | -8,025.0000% | 5,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5205% | 3,054 |
| Assets per employee ($millions) | 6.3915% | 1,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3996% | 2,299 |
| Loan loss allowance to noncurrent loans | 601.2418% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.1901% | 4,729 |
| Noncurrent loans to loans | 0.2328% | 4,506 |
| Net loans and leases to total assets | 76.2412% | 1,457 |
| Net loans and leases to deposits | 95.3308% | 1,155 |
| Net loans and leases to core deposits | 104.2093% | 1,304 |
| Total domestic deposits to total assets | 79.9754% | 4,553 |
| Equity capital to assets | 13.4954% | 1,240 |
| Core capital (leverage) ratio | 13.3481% | 1,040 |
| Tier 1 risk-based capital ratio | 15.5734% | 2,829 |
| Total risk-based capital ratio | 17.0418% | 2,680 |
| Memoranda: |
| Average total assets | $746,971,670 | 969 |
| Average earning assets | $695,190,670 | 958 |
| Average equity | $99,655,330 | 797 |
| Average total loans | $571,475,330 | 866 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0544% | 3,021 |
| Cost of funding earning assets | 0.4216% | 2,846 |
| Net interest margin | 3.6328% | 2,949 |
| Noninterest income to average assets | 0.5469% | 2,826 |
| Noninterest expense to average assets | 2.6999% | 3,415 |
| Loan and lease loss provision to assets | 0.0600% | 2,753 |
| Net operating income to assets | 0.7946% | 3,275 |
| Return on assets (ROA) | 0.8020% | 3,353 |
| Pretax return on assets | 1.1787% | 2,787 |
| Return on Equity (ROE) | 6.0472% | 3,964 |
| Retained earnings to average equity (ytd only) | 6.0472% | 2,351 |
| Net charge-offs to loans | -0.0028% | 4,171 |
| Credit loss provision to net charge-offs | -2,775.0000% | 4,939 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7397% | 3,340 |
| Assets per employee ($millions) | 6.5193% | 1,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4233% | 2,318 |
| Loan loss allowance to noncurrent loans | 438.2514% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.2598% | 4,518 |
| Noncurrent loans to loans | 0.3248% | 4,271 |
| Net loans and leases to total assets | 75.4009% | 1,489 |
| Net loans and leases to deposits | 93.0019% | 1,225 |
| Net loans and leases to core deposits | 104.2385% | 1,177 |
| Total domestic deposits to total assets | 81.0746% | 4,478 |
| Equity capital to assets | 13.4650% | 1,190 |
| Core capital (leverage) ratio | 13.2100% | 1,077 |
| Tier 1 risk-based capital ratio | 16.0080% | 2,680 |
| Total risk-based capital ratio | 17.4591% | 2,541 |
| Memoranda: |
| Average total assets | $740,165,500 | 976 |
| Average earning assets | $688,826,000 | 961 |
| Average equity | $98,161,000 | 806 |
| Average total loans | $563,158,500 | 877 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9219% | 3,630 |
| Cost of funding earning assets | 0.3446% | 3,749 |
| Net interest margin | 3.5772% | 3,219 |
| Noninterest income to average assets | 0.5556% | 2,987 |
| Noninterest expense to average assets | 3.0902% | 2,269 |
| Loan and lease loss provision to assets | 0.1160% | 2,061 |
| Net operating income to assets | 0.5107% | 4,654 |
| Return on assets (ROA) | 0.5439% | 4,618 |
| Pretax return on assets | 0.7409% | 4,399 |
| Return on Equity (ROE) | 4.4639% | 4,758 |
| Retained earnings to average equity (ytd only) | 4.4639% | 2,815 |
| Net charge-offs to loans | 0.0238% | 3,782 |
| Credit loss provision to net charge-offs | 649.1935% | 519 |
| Earnings coverage of net charge-offs (x) | 45.4274% | 1,072 |
| Efficiency ratio | 79.2040% | 1,790 |
| Assets per employee ($millions) | 7.0156% | 886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4045% | 2,397 |
| Loan loss allowance to noncurrent loans | 349.0066% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.3180% | 4,322 |
| Noncurrent loans to loans | 0.4024% | 4,013 |
| Net loans and leases to total assets | 74.6222% | 1,625 |
| Net loans and leases to deposits | 95.9759% | 1,014 |
| Net loans and leases to core deposits | 108.5024% | 943 |
| Total domestic deposits to total assets | 77.7510% | 5,212 |
| Equity capital to assets | 13.0610% | 1,317 |
| Core capital (leverage) ratio | 13.4158% | 999 |
| Tier 1 risk-based capital ratio | 15.6409% | 2,863 |
| Total risk-based capital ratio | 17.0615% | 2,712 |
| Memoranda: |
| Average total assets | $694,257,600 | 1,000 |
| Average earning assets | $649,382,600 | 980 |
| Average equity | $84,589,600 | 903 |
| Average total loans | $520,886,600 | 897 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9257% | 3,653 |
| Cost of funding earning assets | 0.3493% | 3,760 |
| Net interest margin | 3.5765% | 3,253 |
| Noninterest income to average assets | 0.5396% | 3,107 |
| Noninterest expense to average assets | 3.2230% | 1,908 |
| Loan and lease loss provision to assets | 0.1261% | 1,796 |
| Net operating income to assets | 0.4116% | 5,122 |
| Return on assets (ROA) | 0.4593% | 5,033 |
| Pretax return on assets | 0.6003% | 4,973 |
| Return on Equity (ROE) | 3.8450% | 5,092 |
| Retained earnings to average equity (ytd only) | 3.8450% | 3,734 |
| Net charge-offs to loans | 0.0329% | 3,258 |
| Credit loss provision to net charge-offs | 511.9048% | 637 |
| Earnings coverage of net charge-offs (x) | 26.9676% | 1,597 |
| Efficiency ratio | 82.9092% | 1,278 |
| Assets per employee ($millions) | 6.5984% | 1,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4624% | 2,318 |
| Loan loss allowance to noncurrent loans | 249.9677% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.4575% | 3,967 |
| Noncurrent loans to loans | 0.5850% | 3,578 |
| Net loans and leases to total assets | 74.6014% | 1,625 |
| Net loans and leases to deposits | 90.5965% | 1,574 |
| Net loans and leases to core deposits | 102.8975% | 1,309 |
| Total domestic deposits to total assets | 82.3446% | 4,054 |
| Equity capital to assets | 13.6647% | 1,152 |
| Core capital (leverage) ratio | 13.3422% | 1,073 |
| Tier 1 risk-based capital ratio | 16.5895% | 2,529 |
| Total risk-based capital ratio | 17.9811% | 2,421 |
| Memoranda: |
| Average total assets | $681,909,250 | 1,018 |
| Average earning assets | $638,303,750 | 1,000 |
| Average equity | $81,455,000 | 939 |
| Average total loans | $510,399,750 | 914 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8912% | 3,725 |
| Cost of funding earning assets | 0.3473% | 3,838 |
| Net interest margin | 3.5439% | 3,314 |
| Noninterest income to average assets | 0.5171% | 3,249 |
| Noninterest expense to average assets | 2.8160% | 3,175 |
| Loan and lease loss provision to assets | 0.1393% | 1,568 |
| Net operating income to assets | 0.6415% | 4,163 |
| Return on assets (ROA) | 0.6632% | 4,168 |
| Pretax return on assets | 0.9159% | 3,896 |
| Return on Equity (ROE) | 5.8425% | 4,208 |
| Retained earnings to average equity (ytd only) | 5.8425% | 2,332 |
| Net charge-offs to loans | 0.0504% | 2,703 |
| Credit loss provision to net charge-offs | 370.8661% | 795 |
| Earnings coverage of net charge-offs (x) | 27.2835% | 1,456 |
| Efficiency ratio | 73.3133% | 2,782 |
| Assets per employee ($millions) | 6.3636% | 1,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4851% | 2,360 |
| Loan loss allowance to noncurrent loans | 231.3264% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.6317% | 3,527 |
| Noncurrent loans to loans | 0.6420% | 3,554 |
| Net loans and leases to total assets | 71.0829% | 2,148 |
| Net loans and leases to deposits | 83.0221% | 2,433 |
| Net loans and leases to core deposits | 94.3662% | 1,924 |
| Total domestic deposits to total assets | 85.6192% | 2,870 |
| Equity capital to assets | 10.9790% | 2,905 |
| Core capital (leverage) ratio | 11.3617% | 2,110 |
| Tier 1 risk-based capital ratio | 13.7153% | 4,088 |
| Total risk-based capital ratio | 15.1821% | 3,902 |
| Memoranda: |
| Average total assets | $676,068,670 | 1,030 |
| Average earning assets | $634,102,330 | 1,010 |
| Average equity | $76,748,330 | 1,002 |
| Average total loans | $504,023,330 | 926 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9314% | 3,494 |
| Cost of funding earning assets | 0.3529% | 3,826 |
| Net interest margin | 3.5785% | 3,085 |
| Noninterest income to average assets | 0.4890% | 3,354 |
| Noninterest expense to average assets | 2.8760% | 2,986 |
| Loan and lease loss provision to assets | 0.1682% | 1,188 |
| Net operating income to assets | 0.5772% | 4,375 |
| Return on assets (ROA) | 0.6125% | 4,320 |
| Pretax return on assets | 0.8509% | 4,055 |
| Return on Equity (ROE) | 5.3021% | 4,378 |
| Retained earnings to average equity (ytd only) | 5.3021% | 2,885 |
| Net charge-offs to loans | 0.0862% | 1,858 |
| Credit loss provision to net charge-offs | 257.4074% | 908 |
| Earnings coverage of net charge-offs (x) | 14.8426% | 1,655 |
| Efficiency ratio | 74.7758% | 2,696 |
| Assets per employee ($millions) | 6.3146% | 1,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4763% | 2,552 |
| Loan loss allowance to noncurrent loans | 133.7735% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 1.0343% | 2,552 |
| Noncurrent loans to loans | 1.1035% | 2,565 |
| Net loans and leases to total assets | 74.4360% | 1,435 |
| Net loans and leases to deposits | 91.6704% | 1,226 |
| Net loans and leases to core deposits | 105.9613% | 942 |
| Total domestic deposits to total assets | 81.1996% | 4,764 |
| Equity capital to assets | 11.6133% | 2,365 |
| Core capital (leverage) ratio | 11.3591% | 2,113 |
| Tier 1 risk-based capital ratio | 14.0027% | 4,015 |
| Total risk-based capital ratio | 15.4987% | 3,777 |
| Memoranda: |
| Average total assets | $660,923,000 | 1,052 |
| Average earning assets | $620,037,000 | 1,031 |
| Average equity | $76,347,000 | 1,003 |
| Average total loans | $501,200,000 | 938 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8927% | 4,143 |
| Cost of funding earning assets | 0.3823% | 3,881 |
| Net interest margin | 3.5104% | 3,752 |
| Noninterest income to average assets | 0.5832% | 2,963 |
| Noninterest expense to average assets | 2.7594% | 3,642 |
| Loan and lease loss provision to assets | 0.2254% | 1,088 |
| Net operating income to assets | 0.6576% | 4,101 |
| Return on assets (ROA) | 0.7081% | 3,967 |
| Pretax return on assets | 0.9344% | 3,764 |
| Return on Equity (ROE) | 6.2681% | 4,016 |
| Retained earnings to average equity (ytd only) | 6.0895% | 1,864 |
| Net charge-offs to loans | 0.0642% | 3,570 |
| Credit loss provision to net charge-offs | 477.6316% | 547 |
| Earnings coverage of net charge-offs (x) | 23.1711% | 1,600 |
| Efficiency ratio | 71.6219% | 3,273 |
| Assets per employee ($millions) | 6.1001% | 1,312 |
| Cash dividends to net income (ytd only)* | 2.8496% | 4,278 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4406% | 2,740 |
| Loan loss allowance to noncurrent loans | 142.1767% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 0.9415% | 2,862 |
| Noncurrent loans to loans | 1.0132% | 2,800 |
| Net loans and leases to total assets | 75.0207% | 1,418 |
| Net loans and leases to deposits | 92.0543% | 1,283 |
| Net loans and leases to core deposits | 106.6638% | 974 |
| Total domestic deposits to total assets | 81.4961% | 4,597 |
| Equity capital to assets | 11.4895% | 2,437 |
| Core capital (leverage) ratio | 11.3007% | 2,132 |
| Tier 1 risk-based capital ratio | 13.8683% | 4,194 |
| Total risk-based capital ratio | 15.3723% | 3,941 |
| Memoranda: |
| Average total assets | $644,259,600 | 1,044 |
| Average earning assets | $600,079,600 | 1,023 |
| Average equity | $72,781,000 | 1,004 |
| Average total loans | $473,862,200 | 934 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8589% | 4,329 |
| Cost of funding earning assets | 0.3888% | 3,913 |
| Net interest margin | 3.4701% | 3,941 |
| Noninterest income to average assets | 0.5744% | 3,033 |
| Noninterest expense to average assets | 2.7391% | 3,679 |
| Loan and lease loss provision to assets | 0.1915% | 1,261 |
| Net operating income to assets | 0.6705% | 4,104 |
| Return on assets (ROA) | 0.7384% | 3,841 |
| Pretax return on assets | 0.9586% | 3,764 |
| Return on Equity (ROE) | 6.5654% | 3,926 |
| Retained earnings to average equity (ytd only) | 6.5654% | 2,062 |
| Net charge-offs to loans | 0.0817% | 3,030 |
| Credit loss provision to net charge-offs | 321.6783% | 868 |
| Earnings coverage of net charge-offs (x) | 17.8393% | 1,880 |
| Efficiency ratio | 72.0637% | 3,162 |
| Assets per employee ($millions) | 6.0408% | 1,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3880% | 3,234 |
| Loan loss allowance to noncurrent loans | 110.9972% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 1.1274% | 2,705 |
| Noncurrent loans to loans | 1.2505% | 2,552 |
| Net loans and leases to total assets | 73.7772% | 1,559 |
| Net loans and leases to deposits | 89.4082% | 1,487 |
| Net loans and leases to core deposits | 103.9005% | 1,109 |
| Total domestic deposits to total assets | 82.5172% | 4,295 |
| Equity capital to assets | 11.5140% | 2,474 |
| Core capital (leverage) ratio | 11.2593% | 2,252 |
| Tier 1 risk-based capital ratio | 14.2422% | 4,057 |
| Total risk-based capital ratio | 15.7137% | 3,848 |
| Memoranda: |
| Average total assets | $640,621,250 | 1,058 |
| Average earning assets | $595,661,500 | 1,037 |
| Average equity | $72,052,750 | 1,016 |
| Average total loans | $466,960,250 | 955 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8287% | 4,414 |
| Cost of funding earning assets | 0.3912% | 3,983 |
| Net interest margin | 3.4375% | 4,026 |
| Noninterest income to average assets | 0.5517% | 3,104 |
| Noninterest expense to average assets | 2.7675% | 3,623 |
| Loan and lease loss provision to assets | 0.2298% | 996 |
| Net operating income to assets | 0.6104% | 4,309 |
| Return on assets (ROA) | 0.7193% | 3,830 |
| Pretax return on assets | 0.8765% | 3,976 |
| Return on Equity (ROE) | 6.4466% | 3,910 |
| Retained earnings to average equity (ytd only) | 6.4466% | 2,064 |
| Net charge-offs to loans | 0.1058% | 2,627 |
| Credit loss provision to net charge-offs | 300.8197% | 848 |
| Earnings coverage of net charge-offs (x) | 12.7418% | 2,038 |
| Efficiency ratio | 73.9767% | 2,979 |
| Assets per employee ($millions) | 6.3686% | 1,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3791% | 3,456 |
| Loan loss allowance to noncurrent loans | 203.5017% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.6859% | 3,937 |
| Noncurrent loans to loans | 0.6777% | 4,020 |
| Net loans and leases to total assets | 71.5931% | 1,812 |
| Net loans and leases to deposits | 87.7676% | 1,618 |
| Net loans and leases to core deposits | 101.8676% | 1,140 |
| Total domestic deposits to total assets | 81.5712% | 4,794 |
| Equity capital to assets | 11.1434% | 2,739 |
| Core capital (leverage) ratio | 11.1602% | 2,284 |
| Tier 1 risk-based capital ratio | 14.0728% | 4,217 |
| Total risk-based capital ratio | 15.5494% | 3,998 |
| Memoranda: |
| Average total assets | $638,705,670 | 1,057 |
| Average earning assets | $592,574,670 | 1,043 |
| Average equity | $71,262,670 | 1,022 |
| Average total loans | $461,419,000 | 960 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8133% | 4,430 |
| Cost of funding earning assets | 0.3944% | 4,043 |
| Net interest margin | 3.4189% | 4,031 |
| Noninterest income to average assets | 0.5422% | 3,100 |
| Noninterest expense to average assets | 2.7419% | 3,792 |
| Loan and lease loss provision to assets | 0.2470% | 876 |
| Net operating income to assets | 0.5402% | 4,499 |
| Return on assets (ROA) | 0.5853% | 4,334 |
| Pretax return on assets | 0.7897% | 4,148 |
| Return on Equity (ROE) | 5.2427% | 4,425 |
| Retained earnings to average equity (ytd only) | 5.2427% | 2,970 |
| Net charge-offs to loans | -0.0097% | 5,036 |
| Credit loss provision to net charge-offs | -3,536.3636% | 5,565 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7534% | 3,190 |
| Assets per employee ($millions) | 6.0474% | 1,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4019% | 3,592 |
| Loan loss allowance to noncurrent loans | 179.7170% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 0.6638% | 4,130 |
| Noncurrent loans to loans | 0.7800% | 3,910 |
| Net loans and leases to total assets | 71.7440% | 1,614 |
| Net loans and leases to deposits | 89.0758% | 1,245 |
| Net loans and leases to core deposits | 104.4003% | 832 |
| Total domestic deposits to total assets | 80.5426% | 5,373 |
| Equity capital to assets | 11.1822% | 2,543 |
| Core capital (leverage) ratio | 11.1176% | 2,283 |
| Tier 1 risk-based capital ratio | 14.9845% | 3,718 |
| Total risk-based capital ratio | 16.4662% | 3,559 |
| Memoranda: |
| Average total assets | $630,074,500 | 1,078 |
| Average earning assets | $585,218,500 | 1,062 |
| Average equity | $70,345,500 | 1,035 |
| Average total loans | $454,031,000 | 968 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8420% | 4,652 |
| Cost of funding earning assets | 0.4659% | 3,954 |
| Net interest margin | 3.3761% | 4,380 |
| Noninterest income to average assets | 0.5469% | 3,423 |
| Noninterest expense to average assets | 2.9196% | 3,313 |
| Loan and lease loss provision to assets | 0.1940% | 1,911 |
| Net operating income to assets | 0.4149% | 5,097 |
| Return on assets (ROA) | 0.6625% | 4,071 |
| Pretax return on assets | 0.9284% | 3,651 |
| Return on Equity (ROE) | 5.9101% | 4,137 |
| Retained earnings to average equity (ytd only) | 5.9101% | 2,028 |
| Net charge-offs to loans | 0.0265% | 4,891 |
| Credit loss provision to net charge-offs | 1,058.5586% | 242 |
| Earnings coverage of net charge-offs (x) | 42.2072% | 905 |
| Efficiency ratio | 79.0521% | 2,309 |
| Assets per employee ($millions) | 5.6322% | 1,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3625% | 3,836 |
| Loan loss allowance to noncurrent loans | 183.0973% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.6208% | 4,378 |
| Noncurrent loans to loans | 0.7441% | 4,102 |
| Net loans and leases to total assets | 70.3727% | 1,958 |
| Net loans and leases to deposits | 86.5186% | 1,623 |
| Net loans and leases to core deposits | 101.6032% | 1,053 |
| Total domestic deposits to total assets | 81.3382% | 5,088 |
| Equity capital to assets | 11.1468% | 2,479 |
| Core capital (leverage) ratio | 11.0809% | 2,314 |
| Tier 1 risk-based capital ratio | 15.1571% | 3,573 |
| Total risk-based capital ratio | 16.6103% | 3,400 |
| Memoranda: |
| Average total assets | $605,561,400 | 1,096 |
| Average earning assets | $564,343,800 | 1,077 |
| Average equity | $67,884,000 | 1,050 |
| Average total loans | $419,068,400 | 1,020 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8168% | 4,789 |
| Cost of funding earning assets | 0.4865% | 3,898 |
| Net interest margin | 3.3303% | 4,533 |
| Noninterest income to average assets | 0.5374% | 3,536 |
| Noninterest expense to average assets | 2.8954% | 3,324 |
| Loan and lease loss provision to assets | 0.2078% | 1,748 |
| Net operating income to assets | 0.4035% | 5,235 |
| Return on assets (ROA) | 0.4912% | 4,994 |
| Pretax return on assets | 0.6604% | 4,824 |
| Return on Equity (ROE) | 4.3756% | 5,040 |
| Retained earnings to average equity (ytd only) | 4.3756% | 3,561 |
| Net charge-offs to loans | 0.0243% | 4,645 |
| Credit loss provision to net charge-offs | 1,248.0000% | 257 |
| Earnings coverage of net charge-offs (x) | 45.0255% | 929 |
| Efficiency ratio | 79.4349% | 2,196 |
| Assets per employee ($millions) | 5.5036% | 1,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3383% | 4,202 |
| Loan loss allowance to noncurrent loans | 185.0079% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.6308% | 4,550 |
| Noncurrent loans to loans | 0.7234% | 4,404 |
| Net loans and leases to total assets | 70.2527% | 1,918 |
| Net loans and leases to deposits | 88.5034% | 1,314 |
| Net loans and leases to core deposits | 100.5865% | 1,072 |
| Total domestic deposits to total assets | 79.3786% | 5,656 |
| Equity capital to assets | 11.1421% | 2,626 |
| Core capital (leverage) ratio | 10.9333% | 2,547 |
| Tier 1 risk-based capital ratio | 14.6523% | 3,982 |
| Total risk-based capital ratio | 16.2155% | 3,721 |
| Memoranda: |
| Average total assets | $600,657,750 | 1,116 |
| Average earning assets | $560,497,000 | 1,091 |
| Average equity | $67,433,250 | 1,068 |
| Average total loans | $412,328,000 | 1,033 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7757% | 4,909 |
| Cost of funding earning assets | 0.5137% | 3,769 |
| Net interest margin | 3.2620% | 4,722 |
| Noninterest income to average assets | 0.5287% | 3,643 |
| Noninterest expense to average assets | 2.9909% | 3,027 |
| Loan and lease loss provision to assets | 0.2079% | 1,819 |
| Net operating income to assets | 0.2833% | 5,650 |
| Return on assets (ROA) | 0.4078% | 5,353 |
| Pretax return on assets | 0.5438% | 5,224 |
| Return on Equity (ROE) | 3.6229% | 5,374 |
| Retained earnings to average equity (ytd only) | 3.6229% | 4,009 |
| Net charge-offs to loans | 0.0292% | 4,280 |
| Credit loss provision to net charge-offs | 1,049.1525% | 291 |
| Earnings coverage of net charge-offs (x) | 29.5593% | 1,160 |
| Efficiency ratio | 83.6213% | 1,677 |
| Assets per employee ($millions) | 5.6492% | 1,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3004% | 4,512 |
| Loan loss allowance to noncurrent loans | 173.6678% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.5851% | 4,786 |
| Noncurrent loans to loans | 0.7488% | 4,428 |
| Net loans and leases to total assets | 69.3313% | 2,012 |
| Net loans and leases to deposits | 89.9230% | 1,150 |
| Net loans and leases to core deposits | 98.4383% | 1,175 |
| Total domestic deposits to total assets | 77.1008% | 6,112 |
| Equity capital to assets | 11.0077% | 2,742 |
| Core capital (leverage) ratio | 10.8650% | 2,488 |
| Tier 1 risk-based capital ratio | 14.9294% | 3,822 |
| Total risk-based capital ratio | 16.4721% | 3,600 |
| Memoranda: |
| Average total assets | $595,409,670 | 1,124 |
| Average earning assets | $556,347,000 | 1,100 |
| Average equity | $67,017,670 | 1,076 |
| Average total loans | $403,466,330 | 1,049 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7466% | 5,001 |
| Cost of funding earning assets | 0.5556% | 3,513 |
| Net interest margin | 3.1910% | 4,955 |
| Noninterest income to average assets | 0.4959% | 3,797 |
| Noninterest expense to average assets | 3.0126% | 2,949 |
| Loan and lease loss provision to assets | 0.1483% | 2,397 |
| Net operating income to assets | 0.2594% | 5,698 |
| Return on assets (ROA) | 0.3156% | 5,642 |
| Pretax return on assets | 0.3891% | 5,599 |
| Return on Equity (ROE) | 2.7724% | 5,676 |
| Retained earnings to average equity (ytd only) | 2.7724% | 4,622 |
| Net charge-offs to loans | 0.0379% | 3,500 |
| Credit loss provision to net charge-offs | 589.1892% | 463 |
| Earnings coverage of net charge-offs (x) | 18.5946% | 1,256 |
| Efficiency ratio | 86.5546% | 1,451 |
| Assets per employee ($millions) | 5.4004% | 1,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3000% | 4,696 |
| Loan loss allowance to noncurrent loans | 194.6777% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.4850% | 5,170 |
| Noncurrent loans to loans | 0.6677% | 4,785 |
| Net loans and leases to total assets | 65.7880% | 2,411 |
| Net loans and leases to deposits | 90.7250% | 905 |
| Net loans and leases to core deposits | 95.9850% | 1,201 |
| Total domestic deposits to total assets | 72.5136% | 6,632 |
| Equity capital to assets | 11.2320% | 2,702 |
| Core capital (leverage) ratio | 11.3390% | 1,984 |
| Tier 1 risk-based capital ratio | 16.2353% | 3,135 |
| Total risk-based capital ratio | 17.8384% | 2,921 |
| Memoranda: |
| Average total assets | $588,055,500 | 1,154 |
| Average earning assets | $550,041,000 | 1,119 |
| Average equity | $66,946,500 | 1,089 |
| Average total loans | $390,911,500 | 1,092 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0577% | 5,110 |
| Cost of funding earning assets | 0.7225% | 3,307 |
| Net interest margin | 3.3352% | 5,121 |
| Noninterest income to average assets | 0.6389% | 3,056 |
| Noninterest expense to average assets | 3.1204% | 2,869 |
| Loan and lease loss provision to assets | 0.1230% | 4,081 |
| Net operating income to assets | 0.3775% | 5,194 |
| Return on assets (ROA) | 0.4550% | 5,106 |
| Pretax return on assets | 0.6012% | 4,992 |
| Return on Equity (ROE) | 3.8487% | 5,204 |
| Retained earnings to average equity (ytd only) | 3.8487% | 3,491 |
| Net charge-offs to loans | 0.0483% | 5,241 |
| Credit loss provision to net charge-offs | 389.1429% | 621 |
| Earnings coverage of net charge-offs (x) | 19.6800% | 1,376 |
| Efficiency ratio | 83.3768% | 1,701 |
| Assets per employee ($millions) | 5.2906% | 1,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3114% | 4,579 |
| Loan loss allowance to noncurrent loans | 194.6796% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.4899% | 5,246 |
| Noncurrent loans to loans | 0.6736% | 4,852 |
| Net loans and leases to total assets | 65.4197% | 2,630 |
| Net loans and leases to deposits | 83.4318% | 1,824 |
| Net loans and leases to core deposits | 88.5671% | 2,024 |
| Total domestic deposits to total assets | 78.4110% | 6,012 |
| Equity capital to assets | 11.5428% | 2,404 |
| Core capital (leverage) ratio | 11.3649% | 1,967 |
| Tier 1 risk-based capital ratio | 16.3492% | 2,968 |
| Total risk-based capital ratio | 17.8695% | 2,808 |
| Memoranda: |
| Average total assets | $553,578,800 | 1,212 |
| Average earning assets | $515,149,000 | 1,179 |
| Average equity | $65,450,800 | 1,080 |
| Average total loans | $362,363,000 | 1,154 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1380% | 5,048 |
| Cost of funding earning assets | 0.7583% | 3,282 |
| Net interest margin | 3.3797% | 5,094 |
| Noninterest income to average assets | 0.6121% | 3,201 |
| Noninterest expense to average assets | 3.0497% | 3,059 |
| Loan and lease loss provision to assets | 0.1424% | 3,754 |
| Net operating income to assets | 0.4136% | 5,190 |
| Return on assets (ROA) | 0.4666% | 5,225 |
| Pretax return on assets | 0.6384% | 5,055 |
| Return on Equity (ROE) | 3.9218% | 5,320 |
| Retained earnings to average equity (ytd only) | 3.9218% | 4,125 |
| Net charge-offs to loans | 0.0582% | 4,849 |
| Credit loss provision to net charge-offs | 375.0000% | 720 |
| Earnings coverage of net charge-offs (x) | 18.6543% | 1,541 |
| Efficiency ratio | 81.1528% | 1,911 |
| Assets per employee ($millions) | 5.1116% | 2,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3336% | 4,658 |
| Loan loss allowance to noncurrent loans | 225.1825% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.4258% | 5,617 |
| Noncurrent loans to loans | 0.5922% | 5,257 |
| Net loans and leases to total assets | 64.3657% | 2,960 |
| Net loans and leases to deposits | 82.6874% | 2,030 |
| Net loans and leases to core deposits | 87.8208% | 2,235 |
| Total domestic deposits to total assets | 77.8421% | 6,107 |
| Equity capital to assets | 11.7276% | 2,508 |
| Core capital (leverage) ratio | 11.4848% | 1,997 |
| Tier 1 risk-based capital ratio | 16.8641% | 2,800 |
| Total risk-based capital ratio | 18.4317% | 2,611 |
| Memoranda: |
| Average total assets | $547,805,500 | 1,240 |
| Average earning assets | $509,899,750 | 1,207 |
| Average equity | $65,172,500 | 1,091 |
| Average total loans | $357,386,250 | 1,170 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2562% | 4,731 |
| Cost of funding earning assets | 0.7858% | 3,314 |
| Net interest margin | 3.4704% | 4,799 |
| Noninterest income to average assets | 0.5934% | 3,293 |
| Noninterest expense to average assets | 3.1204% | 2,858 |
| Loan and lease loss provision to assets | 0.1670% | 3,436 |
| Net operating income to assets | 0.3870% | 5,259 |
| Return on assets (ROA) | 0.4563% | 5,246 |
| Pretax return on assets | 0.6222% | 5,060 |
| Return on Equity (ROE) | 3.8167% | 5,351 |
| Retained earnings to average equity (ytd only) | 3.8167% | 4,075 |
| Net charge-offs to loans | 0.0561% | 4,630 |
| Credit loss provision to net charge-offs | 456.5657% | 654 |
| Earnings coverage of net charge-offs (x) | 18.9798% | 1,459 |
| Efficiency ratio | 81.7997% | 1,910 |
| Assets per employee ($millions) | 5.0744% | 2,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3642% | 4,595 |
| Loan loss allowance to noncurrent loans | 168.5744% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.6968% | 5,040 |
| Noncurrent loans to loans | 0.8092% | 4,890 |
| Net loans and leases to total assets | 63.5315% | 3,140 |
| Net loans and leases to deposits | 80.4308% | 2,323 |
| Net loans and leases to core deposits | 85.6607% | 2,472 |
| Total domestic deposits to total assets | 78.9890% | 5,962 |
| Equity capital to assets | 11.8130% | 2,301 |
| Core capital (leverage) ratio | 11.8927% | 1,656 |
| Tier 1 risk-based capital ratio | 17.4016% | 2,511 |
| Total risk-based capital ratio | 18.9610% | 2,359 |
| Memoranda: |
| Average total assets | $541,278,000 | 1,250 |
| Average earning assets | $502,418,330 | 1,223 |
| Average equity | $64,716,330 | 1,089 |
| Average total loans | $353,135,330 | 1,185 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3060% | 4,710 |
| Cost of funding earning assets | 0.8139% | 3,357 |
| Net interest margin | 3.4921% | 4,748 |
| Noninterest income to average assets | 0.5835% | 3,333 |
| Noninterest expense to average assets | 3.1978% | 2,608 |
| Loan and lease loss provision to assets | 0.1479% | 3,514 |
| Net operating income to assets | 0.3744% | 5,370 |
| Return on assets (ROA) | 0.3796% | 5,537 |
| Pretax return on assets | 0.4984% | 5,435 |
| Return on Equity (ROE) | 3.1550% | 5,653 |
| Retained earnings to average equity (ytd only) | 3.1550% | 4,673 |
| Net charge-offs to loans | 0.0057% | 4,675 |
| Credit loss provision to net charge-offs | 3,960.0000% | 72 |
| Earnings coverage of net charge-offs (x) | 171.2000% | 209 |
| Efficiency ratio | 83.3333% | 1,753 |
| Assets per employee ($millions) | 4.9538% | 2,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3315% | 4,878 |
| Loan loss allowance to noncurrent loans | 136.2319% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.8545% | 4,821 |
| Noncurrent loans to loans | 0.9774% | 4,721 |
| Net loans and leases to total assets | 64.4993% | 2,764 |
| Net loans and leases to deposits | 81.9485% | 1,941 |
| Net loans and leases to core deposits | 87.3531% | 2,130 |
| Total domestic deposits to total assets | 78.7071% | 6,145 |
| Equity capital to assets | 11.9903% | 2,050 |
| Core capital (leverage) ratio | 11.8338% | 1,689 |
| Tier 1 risk-based capital ratio | 17.2225% | 2,594 |
| Total risk-based capital ratio | 18.8116% | 2,429 |
| Memoranda: |
| Average total assets | $535,362,000 | 1,264 |
| Average earning assets | $498,843,500 | 1,233 |
| Average equity | $64,405,000 | 1,093 |
| Average total loans | $351,573,500 | 1,195 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5169% | 5,001 |
| Cost of funding earning assets | 0.9030% | 4,092 |
| Net interest margin | 3.6139% | 4,676 |
| Noninterest income to average assets | 0.6421% | 2,934 |
| Noninterest expense to average assets | 3.2138% | 2,814 |
| Loan and lease loss provision to assets | 0.0902% | 5,457 |
| Net operating income to assets | 0.4852% | 4,490 |
| Return on assets (ROA) | 0.9286% | 2,607 |
| Pretax return on assets | 1.3211% | 2,050 |
| Return on Equity (ROE) | 8.9986% | 2,450 |
| Retained earnings to average equity (ytd only) | 8.4258% | 946 |
| Net charge-offs to loans | 0.0995% | 5,356 |
| Credit loss provision to net charge-offs | 134.3109% | 2,248 |
| Earnings coverage of net charge-offs (x) | 11.5777% | 1,706 |
| Efficiency ratio | 80.5124% | 2,238 |
| Assets per employee ($millions) | 5.1034% | 2,062 |
| Cash dividends to net income (ytd only)* | 6.3654% | 3,955 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2871% | 4,979 |
| Loan loss allowance to noncurrent loans | 155.5210% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.7642% | 5,108 |
| Noncurrent loans to loans | 0.8276% | 5,031 |
| Net loans and leases to total assets | 65.1268% | 2,949 |
| Net loans and leases to deposits | 85.4339% | 1,740 |
| Net loans and leases to core deposits | 91.5072% | 1,942 |
| Total domestic deposits to total assets | 76.2307% | 6,450 |
| Equity capital to assets | 12.0707% | 2,070 |
| Core capital (leverage) ratio | 12.7190% | 1,259 |
| Tier 1 risk-based capital ratio | 17.5033% | 2,383 |
| Total risk-based capital ratio | 19.0751% | 2,231 |
| Memoranda: |
| Average total assets | $507,533,600 | 1,318 |
| Average earning assets | $470,407,400 | 1,302 |
| Average equity | $52,375,000 | 1,297 |
| Average total loans | $342,803,800 | 1,238 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5553% | 5,069 |
| Cost of funding earning assets | 0.9235% | 4,247 |
| Net interest margin | 3.6318% | 4,648 |
| Noninterest income to average assets | 0.6492% | 2,887 |
| Noninterest expense to average assets | 3.2168% | 2,779 |
| Loan and lease loss provision to assets | 0.0662% | 5,631 |
| Net operating income to assets | 0.4810% | 4,630 |
| Return on assets (ROA) | 1.0287% | 2,380 |
| Pretax return on assets | 1.5719% | 1,456 |
| Return on Equity (ROE) | 10.4367% | 2,059 |
| Retained earnings to average equity (ytd only) | 9.6279% | 948 |
| Net charge-offs to loans | 0.0798% | 5,176 |
| Credit loss provision to net charge-offs | 122.0588% | 2,654 |
| Earnings coverage of net charge-offs (x) | 14.6718% | 1,518 |
| Efficiency ratio | 80.1762% | 2,234 |
| Assets per employee ($millions) | 5.0324% | 2,151 |
| Cash dividends to net income (ytd only)* | 7.7499% | 3,338 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3021% | 5,002 |
| Loan loss allowance to noncurrent loans | 100.2260% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 1.0008% | 4,754 |
| Noncurrent loans to loans | 1.2992% | 4,368 |
| Net loans and leases to total assets | 65.4897% | 3,006 |
| Net loans and leases to deposits | 86.5779% | 1,613 |
| Net loans and leases to core deposits | 92.9128% | 1,895 |
| Total domestic deposits to total assets | 75.6425% | 6,572 |
| Equity capital to assets | 12.2675% | 2,042 |
| Core capital (leverage) ratio | 12.5665% | 1,406 |
| Tier 1 risk-based capital ratio | 17.3549% | 2,504 |
| Total risk-based capital ratio | 18.8594% | 2,366 |
| Memoranda: |
| Average total assets | $501,728,250 | 1,340 |
| Average earning assets | $464,588,000 | 1,320 |
| Average equity | $49,452,250 | 1,381 |
| Average total loans | $340,962,000 | 1,257 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6423% | 4,786 |
| Cost of funding earning assets | 0.9411% | 4,386 |
| Net interest margin | 3.7012% | 4,253 |
| Noninterest income to average assets | 0.6456% | 2,878 |
| Noninterest expense to average assets | 3.2386% | 2,774 |
| Loan and lease loss provision to assets | 0.0727% | 5,394 |
| Net operating income to assets | 0.4835% | 4,574 |
| Return on assets (ROA) | 1.3144% | 1,355 |
| Pretax return on assets | 2.0331% | 555 |
| Return on Equity (ROE) | 14.5596% | 879 |
| Retained earnings to average equity (ytd only) | 14.5596% | 276 |
| Net charge-offs to loans | 0.0522% | 5,129 |
| Credit loss provision to net charge-offs | 203.3708% | 1,484 |
| Earnings coverage of net charge-offs (x) | 23.1461% | 1,097 |
| Efficiency ratio | 79.6483% | 2,440 |
| Assets per employee ($millions) | 4.5392% | 2,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3115% | 5,007 |
| Loan loss allowance to noncurrent loans | 172.6502% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.6681% | 5,566 |
| Noncurrent loans to loans | 0.7596% | 5,390 |
| Net loans and leases to total assets | 67.5446% | 2,702 |
| Net loans and leases to deposits | 86.7278% | 1,688 |
| Net loans and leases to core deposits | 93.0484% | 2,011 |
| Total domestic deposits to total assets | 77.8811% | 6,307 |
| Equity capital to assets | 9.2276% | 5,235 |
| Core capital (leverage) ratio | 9.0546% | 4,639 |
| Tier 1 risk-based capital ratio | 12.8637% | 5,033 |
| Total risk-based capital ratio | 14.4764% | 4,721 |
| Memoranda: |
| Average total assets | $497,868,670 | 1,351 |
| Average earning assets | $460,118,330 | 1,336 |
| Average equity | $44,946,330 | 1,500 |
| Average total loans | $341,083,330 | 1,268 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6006% | 4,945 |
| Cost of funding earning assets | 0.9687% | 4,435 |
| Net interest margin | 3.6319% | 4,415 |
| Noninterest income to average assets | 0.5970% | 3,191 |
| Noninterest expense to average assets | 3.3744% | 2,349 |
| Loan and lease loss provision to assets | 0.0788% | 5,017 |
| Net operating income to assets | 0.3698% | 5,077 |
| Return on assets (ROA) | 0.3733% | 5,140 |
| Pretax return on assets | 0.5061% | 5,007 |
| Return on Equity (ROE) | 4.1818% | 4,807 |
| Retained earnings to average equity (ytd only) | 4.1818% | 3,654 |
| Net charge-offs to loans | -0.0047% | 6,232 |
| Credit loss provision to net charge-offs | -2,450.0000% | 6,273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3306% | 1,794 |
| Assets per employee ($millions) | 4.6407% | 2,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3090% | 5,088 |
| Loan loss allowance to noncurrent loans | 193.5373% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.5774% | 5,816 |
| Noncurrent loans to loans | 0.6764% | 5,674 |
| Net loans and leases to total assets | 68.2017% | 2,505 |
| Net loans and leases to deposits | 88.4752% | 1,409 |
| Net loans and leases to core deposits | 95.6234% | 1,702 |
| Total domestic deposits to total assets | 77.0857% | 6,523 |
| Equity capital to assets | 9.0290% | 5,160 |
| Core capital (leverage) ratio | 8.3749% | 5,678 |
| Tier 1 risk-based capital ratio | 12.0219% | 5,669 |
| Total risk-based capital ratio | 14.0752% | 4,937 |
| Memoranda: |
| Average total assets | $497,149,500 | 1,354 |
| Average earning assets | $459,594,500 | 1,345 |
| Average equity | $44,382,500 | 1,505 |
| Average total loans | $340,756,500 | 1,282 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7579% | 5,591 |
| Cost of funding earning assets | 1.1964% | 4,583 |
| Net interest margin | 3.5615% | 4,993 |
| Noninterest income to average assets | 0.7403% | 2,590 |
| Noninterest expense to average assets | 3.3147% | 2,689 |
| Loan and lease loss provision to assets | 0.0927% | 6,214 |
| Net operating income to assets | 0.4553% | 4,288 |
| Return on assets (ROA) | 0.5113% | 4,199 |
| Pretax return on assets | 0.7234% | 3,891 |
| Return on Equity (ROE) | 6.0127% | 3,598 |
| Retained earnings to average equity (ytd only) | 4.8479% | 2,512 |
| Net charge-offs to loans | 0.0584% | 6,207 |
| Credit loss provision to net charge-offs | 237.5635% | 1,227 |
| Earnings coverage of net charge-offs (x) | 18.8934% | 1,087 |
| Efficiency ratio | 81.8040% | 2,193 |
| Assets per employee ($millions) | 4.6087% | 2,691 |
| Cash dividends to net income (ytd only)* | 19.3723% | 3,479 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2974% | 5,016 |
| Loan loss allowance to noncurrent loans | 191.4522% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.5029% | 6,023 |
| Noncurrent loans to loans | 0.6777% | 5,690 |
| Net loans and leases to total assets | 67.0971% | 3,191 |
| Net loans and leases to deposits | 87.9184% | 1,803 |
| Net loans and leases to core deposits | 95.0826% | 2,118 |
| Total domestic deposits to total assets | 76.3175% | 6,594 |
| Equity capital to assets | 8.8260% | 5,397 |
| Core capital (leverage) ratio | 8.1148% | 5,988 |
| Tier 1 risk-based capital ratio | 11.7736% | 5,673 |
| Total risk-based capital ratio | 13.7343% | 5,020 |
| Memoranda: |
| Average total assets | $504,807,600 | 1,325 |
| Average earning assets | $469,410,200 | 1,304 |
| Average equity | $42,925,600 | 1,548 |
| Average total loans | $337,532,400 | 1,322 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7724% | 5,775 |
| Cost of funding earning assets | 1.2405% | 4,625 |
| Net interest margin | 3.5319% | 5,172 |
| Noninterest income to average assets | 0.7770% | 2,343 |
| Noninterest expense to average assets | 3.3253% | 2,498 |
| Loan and lease loss provision to assets | 0.0695% | 6,368 |
| Net operating income to assets | 0.4730% | 4,426 |
| Return on assets (ROA) | 0.5377% | 4,316 |
| Pretax return on assets | 0.7672% | 4,021 |
| Return on Equity (ROE) | 6.3831% | 3,632 |
| Retained earnings to average equity (ytd only) | 4.8209% | 3,111 |
| Net charge-offs to loans | 0.0609% | 5,902 |
| Credit loss provision to net charge-offs | 171.4286% | 2,159 |
| Earnings coverage of net charge-offs (x) | 18.3635% | 1,267 |
| Efficiency ratio | 81.7100% | 2,092 |
| Assets per employee ($millions) | 4.8108% | 2,441 |
| Cash dividends to net income (ytd only)* | 24.4738% | 2,777 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2476% | 5,248 |
| Loan loss allowance to noncurrent loans | 175.4044% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.5844% | 5,978 |
| Noncurrent loans to loans | 0.7113% | 5,788 |
| Net loans and leases to total assets | 65.6430% | 3,767 |
| Net loans and leases to deposits | 83.6208% | 2,772 |
| Net loans and leases to core deposits | 90.3504% | 3,047 |
| Total domestic deposits to total assets | 78.5008% | 6,143 |
| Equity capital to assets | 8.5287% | 6,245 |
| Core capital (leverage) ratio | 7.8316% | 6,545 |
| Tier 1 risk-based capital ratio | 11.6447% | 5,794 |
| Total risk-based capital ratio | 13.4799% | 5,209 |
| Memoranda: |
| Average total assets | $506,573,500 | 1,330 |
| Average earning assets | $472,260,000 | 1,313 |
| Average equity | $42,674,250 | 1,561 |
| Average total loans | $337,325,000 | 1,338 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8260% | 5,699 |
| Cost of funding earning assets | 1.2746% | 4,691 |
| Net interest margin | 3.5514% | 5,042 |
| Noninterest income to average assets | 0.8824% | 1,750 |
| Noninterest expense to average assets | 3.3645% | 2,359 |
| Loan and lease loss provision to assets | 0.0839% | 6,087 |
| Net operating income to assets | 0.5132% | 4,267 |
| Return on assets (ROA) | 0.6101% | 3,969 |
| Pretax return on assets | 0.8851% | 3,559 |
| Return on Equity (ROE) | 7.2732% | 3,188 |
| Retained earnings to average equity (ytd only) | 4.9149% | 2,952 |
| Net charge-offs to loans | 0.0606% | 5,544 |
| Credit loss provision to net charge-offs | 207.8431% | 1,868 |
| Earnings coverage of net charge-offs (x) | 20.5294% | 1,214 |
| Efficiency ratio | 80.2397% | 2,413 |
| Assets per employee ($millions) | 4.4550% | 2,954 |
| Cash dividends to net income (ytd only)* | 32.4254% | 2,415 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2545% | 5,157 |
| Loan loss allowance to noncurrent loans | 158.9252% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.8596% | 5,397 |
| Noncurrent loans to loans | 0.7894% | 5,695 |
| Net loans and leases to total assets | 64.9744% | 4,045 |
| Net loans and leases to deposits | 83.0917% | 3,054 |
| Net loans and leases to core deposits | 89.4484% | 3,351 |
| Total domestic deposits to total assets | 78.1960% | 6,225 |
| Equity capital to assets | 8.3510% | 6,354 |
| Core capital (leverage) ratio | 7.8718% | 6,417 |
| Tier 1 risk-based capital ratio | 11.6179% | 5,660 |
| Total risk-based capital ratio | 13.3691% | 5,179 |
| Memoranda: |
| Average total assets | $505,451,330 | 1,345 |
| Average earning assets | $471,196,330 | 1,320 |
| Average equity | $42,402,000 | 1,561 |
| Average total loans | $336,777,000 | 1,353 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9165% | 5,381 |
| Cost of funding earning assets | 1.3090% | 4,766 |
| Net interest margin | 3.6075% | 4,694 |
| Noninterest income to average assets | 0.6414% | 2,985 |
| Noninterest expense to average assets | 3.1943% | 2,887 |
| Loan and lease loss provision to assets | 0.1219% | 5,361 |
| Net operating income to assets | 0.4799% | 4,492 |
| Return on assets (ROA) | 0.5832% | 4,118 |
| Pretax return on assets | 0.8414% | 3,700 |
| Return on Equity (ROE) | 6.9366% | 3,375 |
| Retained earnings to average equity (ytd only) | 6.9366% | 2,162 |
| Net charge-offs to loans | 0.0820% | 4,600 |
| Credit loss provision to net charge-offs | 221.7391% | 1,701 |
| Earnings coverage of net charge-offs (x) | 14.7971% | 1,408 |
| Efficiency ratio | 79.7018% | 2,612 |
| Assets per employee ($millions) | 4.4669% | 3,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2468% | 5,236 |
| Loan loss allowance to noncurrent loans | 152.4483% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.7879% | 5,573 |
| Noncurrent loans to loans | 0.8178% | 5,679 |
| Net loans and leases to total assets | 65.3747% | 4,027 |
| Net loans and leases to deposits | 84.6702% | 2,824 |
| Net loans and leases to core deposits | 93.1141% | 2,962 |
| Total domestic deposits to total assets | 77.2109% | 6,514 |
| Equity capital to assets | 8.4164% | 6,138 |
| Core capital (leverage) ratio | 7.9376% | 6,329 |
| Tier 1 risk-based capital ratio | 11.5798% | 5,597 |
| Total risk-based capital ratio | 13.4847% | 4,936 |
| Memoranda: |
| Average total assets | $502,017,000 | 1,386 |
| Average earning assets | $468,462,500 | 1,356 |
| Average equity | $42,211,000 | 1,586 |
| Average total loans | $336,612,500 | 1,389 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1784% | 5,753 |
| Cost of funding earning assets | 1.6987% | 4,519 |
| Net interest margin | 3.4797% | 5,041 |
| Noninterest income to average assets | 0.6856% | 3,055 |
| Noninterest expense to average assets | 3.1548% | 3,528 |
| Loan and lease loss provision to assets | 0.1770% | 5,930 |
| Net operating income to assets | 0.4209% | 4,044 |
| Return on assets (ROA) | 0.5419% | 3,650 |
| Pretax return on assets | 0.7510% | 3,403 |
| Return on Equity (ROE) | 6.7343% | 2,898 |
| Retained earnings to average equity (ytd only) | 6.7343% | 1,057 |
| Net charge-offs to loans | 0.0880% | 6,241 |
| Credit loss provision to net charge-offs | 300.6897% | 1,101 |
| Earnings coverage of net charge-offs (x) | 12.9103% | 1,465 |
| Efficiency ratio | 80.5890% | 2,799 |
| Assets per employee ($millions) | 4.4179% | 3,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2252% | 5,211 |
| Loan loss allowance to noncurrent loans | 136.9927% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.8749% | 5,362 |
| Noncurrent loans to loans | 0.8943% | 5,519 |
| Net loans and leases to total assets | 67.0966% | 3,903 |
| Net loans and leases to deposits | 87.9595% | 2,559 |
| Net loans and leases to core deposits | 97.3495% | 4,310 |
| Total domestic deposits to total assets | 76.2813% | 6,623 |
| Equity capital to assets | 8.3999% | 6,058 |
| Core capital (leverage) ratio | 7.7214% | 6,537 |
| Tier 1 risk-based capital ratio | 11.1786% | 5,744 |
| Total risk-based capital ratio | 12.9901% | 5,126 |
| Memoranda: |
| Average total assets | $492,708,800 | 1,407 |
| Average earning assets | $457,222,800 | 1,376 |
| Average equity | $39,648,000 | 1,691 |
| Average total loans | $329,599,800 | 1,463 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2237% | 5,785 |
| Cost of funding earning assets | 1.7887% | 4,429 |
| Net interest margin | 3.4350% | 5,132 |
| Noninterest income to average assets | 0.6594% | 3,295 |
| Noninterest expense to average assets | 3.0844% | 3,701 |
| Loan and lease loss provision to assets | 0.1774% | 5,587 |
| Net operating income to assets | 0.4161% | 4,335 |
| Return on assets (ROA) | 0.5943% | 3,683 |
| Pretax return on assets | 0.8284% | 3,449 |
| Return on Equity (ROE) | 7.4683% | 2,877 |
| Retained earnings to average equity (ytd only) | 7.4683% | 1,323 |
| Net charge-offs to loans | 0.0346% | 6,410 |
| Credit loss provision to net charge-offs | 770.5882% | 496 |
| Earnings coverage of net charge-offs (x) | 32.9296% | 872 |
| Efficiency ratio | 80.2679% | 2,800 |
| Assets per employee ($millions) | 4.4126% | 3,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2417% | 4,894 |
| Loan loss allowance to noncurrent loans | 167.0607% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.6797% | 5,787 |
| Noncurrent loans to loans | 0.7433% | 5,825 |
| Net loans and leases to total assets | 66.4563% | 4,317 |
| Net loans and leases to deposits | 85.5590% | 3,404 |
| Net loans and leases to core deposits | 96.1177% | 4,803 |
| Total domestic deposits to total assets | 77.6730% | 6,178 |
| Equity capital to assets | 8.1674% | 6,676 |
| Core capital (leverage) ratio | 7.4993% | 6,971 |
| Tier 1 risk-based capital ratio | 10.8814% | 6,073 |
| Total risk-based capital ratio | 12.7038% | 5,419 |
| Memoranda: |
| Average total assets | $492,185,250 | 1,417 |
| Average earning assets | $456,118,000 | 1,396 |
| Average equity | $39,169,250 | 1,736 |
| Average total loans | $327,971,250 | 1,484 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2410% | 5,909 |
| Cost of funding earning assets | 1.9124% | 4,203 |
| Net interest margin | 3.3285% | 5,447 |
| Noninterest income to average assets | 0.6364% | 3,434 |
| Noninterest expense to average assets | 3.1275% | 3,589 |
| Loan and lease loss provision to assets | 0.1819% | 5,225 |
| Net operating income to assets | 0.3198% | 4,814 |
| Return on assets (ROA) | 0.4311% | 4,486 |
| Pretax return on assets | 0.5420% | 4,490 |
| Return on Equity (ROE) | 5.4672% | 3,877 |
| Retained earnings to average equity (ytd only) | 5.4672% | 2,260 |
| Net charge-offs to loans | 0.0451% | 5,836 |
| Credit loss provision to net charge-offs | 606.8493% | 761 |
| Earnings coverage of net charge-offs (x) | 19.5068% | 1,362 |
| Efficiency ratio | 84.2495% | 2,451 |
| Assets per employee ($millions) | 4.6883% | 2,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1825% | 5,060 |
| Loan loss allowance to noncurrent loans | 148.2202% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.6516% | 5,783 |
| Noncurrent loans to loans | 0.7978% | 5,639 |
| Net loans and leases to total assets | 66.0474% | 4,555 |
| Net loans and leases to deposits | 86.3944% | 3,479 |
| Net loans and leases to core deposits | 98.2737% | 4,674 |
| Total domestic deposits to total assets | 76.4487% | 6,452 |
| Equity capital to assets | 7.6910% | 7,086 |
| Core capital (leverage) ratio | 7.4463% | 7,086 |
| Tier 1 risk-based capital ratio | 10.9666% | 5,905 |
| Total risk-based capital ratio | 12.7904% | 5,268 |
| Memoranda: |
| Average total assets | $487,098,670 | 1,454 |
| Average earning assets | $450,107,000 | 1,437 |
| Average equity | $38,410,670 | 1,774 |
| Average total loans | $323,472,000 | 1,540 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2526% | 6,104 |
| Cost of funding earning assets | 2.0355% | 3,951 |
| Net interest margin | 3.2172% | 5,803 |
| Noninterest income to average assets | 0.5927% | 3,601 |
| Noninterest expense to average assets | 3.0046% | 3,747 |
| Loan and lease loss provision to assets | 0.1389% | 5,183 |
| Net operating income to assets | 0.3001% | 5,299 |
| Return on assets (ROA) | 0.7215% | 3,652 |
| Pretax return on assets | 1.0153% | 3,289 |
| Return on Equity (ROE) | 9.0295% | 2,710 |
| Retained earnings to average equity (ytd only) | 9.0295% | 1,475 |
| Net charge-offs to loans | 0.0369% | 4,997 |
| Credit loss provision to net charge-offs | 568.9655% | 990 |
| Earnings coverage of net charge-offs (x) | 22.9655% | 1,294 |
| Efficiency ratio | 84.2739% | 2,276 |
| Assets per employee ($millions) | 4.8586% | 2,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2013% | 4,798 |
| Loan loss allowance to noncurrent loans | 143.4062% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.6603% | 5,515 |
| Noncurrent loans to loans | 0.8377% | 5,346 |
| Net loans and leases to total assets | 63.7901% | 5,029 |
| Net loans and leases to deposits | 84.7428% | 3,860 |
| Net loans and leases to core deposits | 98.2052% | 4,722 |
| Total domestic deposits to total assets | 75.2750% | 6,653 |
| Equity capital to assets | 7.5500% | 7,312 |
| Core capital (leverage) ratio | 7.9058% | 6,606 |
| Tier 1 risk-based capital ratio | 11.2509% | 5,647 |
| Total risk-based capital ratio | 12.4906% | 5,568 |
| Memoranda: |
| Average total assets | $475,136,000 | 1,504 |
| Average earning assets | $439,018,000 | 1,479 |
| Average equity | $37,964,500 | 1,799 |
| Average total loans | $314,429,500 | 1,592 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8587% | 6,243 |
| Cost of funding earning assets | 2.2891% | 5,206 |
| Net interest margin | 3.5696% | 5,015 |
| Noninterest income to average assets | 0.7597% | 2,722 |
| Noninterest expense to average assets | 3.1815% | 3,407 |
| Loan and lease loss provision to assets | 0.1861% | 5,032 |
| Net operating income to assets | 0.5346% | 4,599 |
| Return on assets (ROA) | 0.5335% | 4,455 |
| Pretax return on assets | 0.6867% | 4,443 |
| Return on Equity (ROE) | 5.3893% | 4,201 |
| Retained earnings to average equity (ytd only) | 4.4324% | 2,367 |
| Net charge-offs to loans | 0.0475% | 6,108 |
| Credit loss provision to net charge-offs | 569.5652% | 769 |
| Earnings coverage of net charge-offs (x) | 26.7536% | 1,270 |
| Efficiency ratio | 78.4434% | 2,845 |
| Assets per employee ($millions) | 4.4617% | 2,677 |
| Cash dividends to net income (ytd only)* | 17.7541% | 4,508 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1762% | 4,730 |
| Loan loss allowance to noncurrent loans | 118.3489% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 0.7066% | 5,115 |
| Noncurrent loans to loans | 0.9938% | 4,607 |
| Net loans and leases to total assets | 67.0984% | 4,619 |
| Net loans and leases to deposits | 97.7338% | 2,163 |
| Net loans and leases to core deposits | 114.9374% | 3,241 |
| Total domestic deposits to total assets | 68.6542% | 7,414 |
| Equity capital to assets | 8.4604% | 6,156 |
| Core capital (leverage) ratio | 8.7006% | 5,194 |
| Tier 1 risk-based capital ratio | 11.6497% | 5,099 |
| Total risk-based capital ratio | 13.5165% | 4,499 |
| Memoranda: |
| Average total assets | $422,279,400 | 1,610 |
| Average earning assets | $389,931,200 | 1,593 |
| Average equity | $41,805,400 | 1,602 |
| Average total loans | $290,814,800 | 1,662 |
