| 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 | 3.5966% | 4,351 |
| Cost of funding earning assets | 1.6160% | 1,648 |
| Net interest margin | 1.9806% | 4,416 |
| Noninterest income to average assets | 0.5900% | 1,571 |
| Noninterest expense to average assets | 1.9144% | 3,811 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5325% | 3,602 |
| Return on assets (ROA) | 0.1997% | 4,175 |
| Pretax return on assets | 0.1510% | 4,237 |
| Return on Equity (ROE) | 1.9300% | 4,160 |
| Retained earnings to average equity (ytd only) | 1.9305% | 3,593 |
| Net charge-offs to loans | 0.0031% | 2,666 |
| Credit loss provision to net charge-offs | -183.3333% | 4,500 |
| Earnings coverage of net charge-offs (x) | 247.3333% | 501 |
| Efficiency ratio | 79.9459% | 922 |
| Assets per employee ($millions) | 7.9001% | 1,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6020% | 4,244 |
| Loan loss allowance to noncurrent loans | 336.1264% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.1586% | 2,474 |
| Noncurrent loans to loans | 0.1791% | 2,621 |
| Net loans and leases to total assets | 63.1400% | 2,555 |
| Net loans and leases to deposits | 76.4541% | 2,408 |
| Net loans and leases to core deposits | 84.7978% | 2,395 |
| Total domestic deposits to total assets | 82.5900% | 2,993 |
| Equity capital to assets | 10.7112% | 1,625 |
| Core capital (leverage) ratio | 12.4403% | 1,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9402% | 429 |
| Memoranda: |
| Average total assets | $618,068,200 | 1,442 |
| Average earning assets | $563,561,200 | 1,456 |
| Average equity | $63,921,000 | 1,332 |
| Average total loans | $388,802,200 | 1,505 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5177% | 4,375 |
| Cost of funding earning assets | 1.4496% | 1,736 |
| Net interest margin | 2.0681% | 4,421 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 2.0672% | 3,429 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.1023% | 4,317 |
| Return on assets (ROA) | 0.1023% | 4,338 |
| Pretax return on assets | 0.1184% | 4,331 |
| Return on Equity (ROE) | 1.0000% | 4,315 |
| Retained earnings to average equity (ytd only) | 0.9984% | 3,949 |
| Net charge-offs to loans | 0.0055% | 2,255 |
| Credit loss provision to net charge-offs | -137.5000% | 4,536 |
| Earnings coverage of net charge-offs (x) | 32.6250% | 1,552 |
| Efficiency ratio | 94.7904% | 256 |
| Assets per employee ($millions) | 8.1349% | 1,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5940% | 4,274 |
| Loan loss allowance to noncurrent loans | 341.3793% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.1761% | 2,411 |
| Noncurrent loans to loans | 0.1740% | 2,671 |
| Net loans and leases to total assets | 63.4800% | 2,507 |
| Net loans and leases to deposits | 76.0193% | 2,410 |
| Net loans and leases to core deposits | 82.4508% | 2,440 |
| Total domestic deposits to total assets | 83.5000% | 2,907 |
| Equity capital to assets | 9.7642% | 1,952 |
| Core capital (leverage) ratio | 13.0273% | 1,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0268% | 436 |
| Memoranda: |
| Average total assets | $612,608,000 | 1,451 |
| Average earning assets | $558,108,500 | 1,470 |
| Average equity | $62,765,750 | 1,342 |
| Average total loans | $384,381,500 | 1,513 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4638% | 4,378 |
| Cost of funding earning assets | 1.2754% | 1,776 |
| Net interest margin | 2.1884% | 4,432 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 2.0842% | 3,390 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.1576% | 4,327 |
| Return on assets (ROA) | 0.1576% | 4,354 |
| Pretax return on assets | 0.1984% | 4,320 |
| Return on Equity (ROE) | 1.5100% | 4,324 |
| Retained earnings to average equity (ytd only) | 1.5134% | 3,826 |
| Net charge-offs to loans | 0.0026% | 2,251 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 120.6000% | 844 |
| Efficiency ratio | 91.3100% | 319 |
| Assets per employee ($millions) | 7.5715% | 1,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6215% | 4,273 |
| Loan loss allowance to noncurrent loans | 343.1624% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.1808% | 2,290 |
| Noncurrent loans to loans | 0.1811% | 2,570 |
| Net loans and leases to total assets | 62.8100% | 2,498 |
| Net loans and leases to deposits | 74.3151% | 2,461 |
| Net loans and leases to core deposits | 79.9193% | 2,476 |
| Total domestic deposits to total assets | 84.5100% | 2,691 |
| Equity capital to assets | 10.3511% | 1,655 |
| Core capital (leverage) ratio | 13.2725% | 946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7757% | 395 |
| Memoranda: |
| Average total assets | $608,014,333 | 1,459 |
| Average earning assets | $554,654,333 | 1,482 |
| Average equity | $63,300,333 | 1,333 |
| Average total loans | $379,182,000 | 1,511 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4288% | 4,347 |
| Cost of funding earning assets | 1.0898% | 1,779 |
| Net interest margin | 2.3390% | 4,425 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.1276% | 3,315 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.2220% | 4,332 |
| Return on assets (ROA) | 0.2220% | 4,295 |
| Pretax return on assets | 0.2947% | 4,266 |
| Return on Equity (ROE) | 2.1300% | 4,287 |
| Retained earnings to average equity (ytd only) | 2.1263% | 3,680 |
| Net charge-offs to loans | 0.0064% | 1,719 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 74.3333% | 926 |
| Efficiency ratio | 87.8342% | 426 |
| Assets per employee ($millions) | 7.3130% | 1,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6367% | 4,322 |
| Loan loss allowance to noncurrent loans | 264.0351% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.2173% | 2,047 |
| Noncurrent loans to loans | 0.2411% | 2,293 |
| Net loans and leases to total assets | 61.9200% | 2,472 |
| Net loans and leases to deposits | 72.4748% | 2,432 |
| Net loans and leases to core deposits | 77.4967% | 2,427 |
| Total domestic deposits to total assets | 85.4300% | 2,743 |
| Equity capital to assets | 10.6107% | 1,508 |
| Core capital (leverage) ratio | 13.4289% | 851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7842% | 399 |
| Memoranda: |
| Average total assets | $605,377,500 | 1,486 |
| Average earning assets | $551,681,000 | 1,515 |
| Average equity | $63,209,500 | 1,344 |
| Average total loans | $374,975,000 | 1,543 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0217% | 4,105 |
| Cost of funding earning assets | 0.5062% | 1,344 |
| Net interest margin | 2.5155% | 4,274 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 2.1415% | 3,189 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4230% | 4,221 |
| Return on assets (ROA) | 0.4235% | 4,183 |
| Pretax return on assets | 0.5286% | 4,135 |
| Return on Equity (ROE) | 3.6700% | 4,210 |
| Retained earnings to average equity (ytd only) | 3.6718% | 3,509 |
| Net charge-offs to loans | -0.2088% | 4,629 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 80.2221% | 701 |
| Assets per employee ($millions) | 7.4540% | 1,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6494% | 4,291 |
| Loan loss allowance to noncurrent loans | 331.5934% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.1880% | 2,242 |
| Noncurrent loans to loans | 0.1958% | 2,499 |
| Net loans and leases to total assets | 61.1700% | 2,529 |
| Net loans and leases to deposits | 70.6456% | 2,530 |
| Net loans and leases to core deposits | 75.2502% | 2,482 |
| Total domestic deposits to total assets | 86.5800% | 2,543 |
| Equity capital to assets | 10.2710% | 1,573 |
| Core capital (leverage) ratio | 13.5175% | 811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9867% | 372 |
| Memoranda: |
| Average total assets | $580,348,800 | 1,540 |
| Average earning assets | $528,407,400 | 1,556 |
| Average equity | $66,942,600 | 1,293 |
| Average total loans | $324,734,400 | 1,623 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9397% | 4,001 |
| Cost of funding earning assets | 0.4391% | 1,036 |
| Net interest margin | 2.5006% | 4,207 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 2.1456% | 3,086 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4142% | 4,217 |
| Return on assets (ROA) | 0.4150% | 4,159 |
| Pretax return on assets | 0.5245% | 4,110 |
| Return on Equity (ROE) | 3.5000% | 4,226 |
| Retained earnings to average equity (ytd only) | 3.4968% | 3,620 |
| Net charge-offs to loans | -0.2922% | 4,686 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 80.3843% | 753 |
| Assets per employee ($millions) | 7.3596% | 1,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7013% | 4,245 |
| Loan loss allowance to noncurrent loans | 334.9931% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.1919% | 2,324 |
| Noncurrent loans to loans | 0.2094% | 2,554 |
| Net loans and leases to total assets | 58.2400% | 2,670 |
| Net loans and leases to deposits | 66.0847% | 2,714 |
| Net loans and leases to core deposits | 71.1872% | 2,552 |
| Total domestic deposits to total assets | 88.1300% | 2,385 |
| Equity capital to assets | 10.3246% | 1,451 |
| Core capital (leverage) ratio | 13.1032% | 874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8452% | 317 |
| Memoranda: |
| Average total assets | $574,492,250 | 1,561 |
| Average earning assets | $522,904,250 | 1,583 |
| Average equity | $68,174,750 | 1,291 |
| Average total loans | $312,987,750 | 1,657 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8968% | 3,794 |
| Cost of funding earning assets | 0.3989% | 926 |
| Net interest margin | 2.4979% | 4,091 |
| Noninterest income to average assets | 0.4114% | 2,682 |
| Noninterest expense to average assets | 2.1350% | 3,045 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4264% | 4,062 |
| Return on assets (ROA) | 0.4262% | 4,013 |
| Pretax return on assets | 0.5511% | 3,918 |
| Return on Equity (ROE) | 3.4373% | 4,147 |
| Retained earnings to average equity (ytd only) | 3.4373% | 3,295 |
| Net charge-offs to loans | -0.4520% | 4,684 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4721% | 988 |
| Assets per employee ($millions) | 7.1534% | 1,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7371% | 4,272 |
| Loan loss allowance to noncurrent loans | 321.9707% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.2024% | 2,312 |
| Noncurrent loans to loans | 0.2289% | 2,576 |
| Net loans and leases to total assets | 56.8973% | 2,653 |
| Net loans and leases to deposits | 64.7701% | 2,660 |
| Net loans and leases to core deposits | 69.5746% | 2,518 |
| Total domestic deposits to total assets | 87.8450% | 2,635 |
| Equity capital to assets | 11.5796% | 1,006 |
| Core capital (leverage) ratio | 13.4497% | 717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.4559% | 280 |
| Memoranda: |
| Average total assets | $569,733,667 | 1,577 |
| Average earning assets | $518,913,667 | 1,609 |
| Average equity | $70,637,000 | 1,286 |
| Average total loans | $302,203,000 | 1,696 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9491% | 3,402 |
| Cost of funding earning assets | 0.3999% | 872 |
| Net interest margin | 2.5492% | 3,789 |
| Noninterest income to average assets | 0.3912% | 2,751 |
| Noninterest expense to average assets | 2.1356% | 3,025 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4347% | 3,886 |
| Return on assets (ROA) | 0.4342% | 3,849 |
| Pretax return on assets | 0.5784% | 3,691 |
| Return on Equity (ROE) | 3.3891% | 4,013 |
| Retained earnings to average equity (ytd only) | 3.3891% | 3,144 |
| Net charge-offs to loans | -0.9361% | 4,738 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6677% | 1,258 |
| Assets per employee ($millions) | 7.7473% | 1,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8117% | 4,222 |
| Loan loss allowance to noncurrent loans | 310.8247% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.2063% | 2,395 |
| Noncurrent loans to loans | 0.2612% | 2,540 |
| Net loans and leases to total assets | 51.4088% | 3,034 |
| Net loans and leases to deposits | 58.9726% | 2,988 |
| Net loans and leases to core deposits | 62.3011% | 2,947 |
| Total domestic deposits to total assets | 87.1739% | 2,864 |
| Equity capital to assets | 12.1953% | 888 |
| Core capital (leverage) ratio | 13.5192% | 667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.1028% | 260 |
| Memoranda: |
| Average total assets | $568,463,000 | 1,586 |
| Average earning assets | $518,127,500 | 1,623 |
| Average equity | $72,822,000 | 1,290 |
| Average total loans | $289,291,000 | 1,744 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5620% | 4,436 |
| Cost of funding earning assets | 0.4959% | 957 |
| Net interest margin | 2.0661% | 4,565 |
| Noninterest income to average assets | 0.3695% | 3,221 |
| Noninterest expense to average assets | 2.1531% | 3,225 |
| Loan and lease loss provision to assets | -0.1262% | 4,589 |
| Net operating income to assets | 0.2013% | 4,533 |
| Return on assets (ROA) | 0.2013% | 4,554 |
| Pretax return on assets | 0.2217% | 4,557 |
| Return on Equity (ROE) | 1.4363% | 4,564 |
| Retained earnings to average equity (ytd only) | 1.4363% | 4,141 |
| Net charge-offs to loans | -0.0250% | 4,060 |
| Credit loss provision to net charge-offs | 978.5714% | 545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7544% | 203 |
| Assets per employee ($millions) | 7.4161% | 1,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6165% | 4,536 |
| Loan loss allowance to noncurrent loans | 77.9775% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 0.4670% | 1,411 |
| Noncurrent loans to loans | 0.7906% | 1,287 |
| Net loans and leases to total assets | 49.6266% | 3,335 |
| Net loans and leases to deposits | 57.7404% | 3,278 |
| Net loans and leases to core deposits | 61.2677% | 3,220 |
| Total domestic deposits to total assets | 85.9477% | 2,930 |
| Equity capital to assets | 13.4359% | 786 |
| Core capital (leverage) ratio | 13.7306% | 660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.9439% | 263 |
| Memoranda: |
| Average total assets | $542,601,400 | 1,592 |
| Average earning assets | $493,481,000 | 1,623 |
| Average equity | $76,027,800 | 1,261 |
| Average total loans | $279,756,200 | 1,787 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5713% | 4,521 |
| Cost of funding earning assets | 0.5130% | 986 |
| Net interest margin | 2.0583% | 4,650 |
| Noninterest income to average assets | 0.3742% | 3,237 |
| Noninterest expense to average assets | 2.1336% | 3,269 |
| Loan and lease loss provision to assets | -0.1699% | 4,714 |
| Net operating income to assets | 0.2494% | 4,577 |
| Return on assets (ROA) | 0.2494% | 4,601 |
| Pretax return on assets | 0.2811% | 4,605 |
| Return on Equity (ROE) | 1.7607% | 4,622 |
| Retained earnings to average equity (ytd only) | 1.7607% | 4,256 |
| Net charge-offs to loans | -0.0315% | 4,149 |
| Credit loss provision to net charge-offs | 1,037.8788% | 508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0481% | 213 |
| Assets per employee ($millions) | 7.8281% | 1,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6307% | 4,596 |
| Loan loss allowance to noncurrent loans | 93.4196% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 0.4613% | 1,650 |
| Noncurrent loans to loans | 0.6751% | 1,627 |
| Net loans and leases to total assets | 49.0993% | 3,516 |
| Net loans and leases to deposits | 57.4201% | 3,454 |
| Net loans and leases to core deposits | 60.9743% | 3,403 |
| Total domestic deposits to total assets | 85.5089% | 2,940 |
| Equity capital to assets | 13.7534% | 790 |
| Core capital (leverage) ratio | 13.9942% | 642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.9415% | 256 |
| Memoranda: |
| Average total assets | $537,345,500 | 1,619 |
| Average earning assets | $488,345,750 | 1,656 |
| Average equity | $76,102,750 | 1,276 |
| Average total loans | $279,334,500 | 1,828 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5822% | 4,559 |
| Cost of funding earning assets | 0.5306% | 1,031 |
| Net interest margin | 2.0516% | 4,679 |
| Noninterest income to average assets | 0.3761% | 3,238 |
| Noninterest expense to average assets | 2.1058% | 3,370 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.1017% | 4,710 |
| Return on assets (ROA) | 0.1017% | 4,726 |
| Pretax return on assets | 0.1337% | 4,710 |
| Return on Equity (ROE) | 0.7106% | 4,731 |
| Retained earnings to average equity (ytd only) | 0.7106% | 4,396 |
| Net charge-offs to loans | -0.0456% | 4,332 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0316% | 254 |
| Assets per employee ($millions) | 7.5727% | 1,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8642% | 4,254 |
| Loan loss allowance to noncurrent loans | 128.0488% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 0.4963% | 1,680 |
| Noncurrent loans to loans | 0.6749% | 1,738 |
| Net loans and leases to total assets | 50.8118% | 3,469 |
| Net loans and leases to deposits | 59.4863% | 3,431 |
| Net loans and leases to core deposits | 63.2743% | 3,358 |
| Total domestic deposits to total assets | 85.4176% | 2,935 |
| Equity capital to assets | 13.9867% | 718 |
| Core capital (leverage) ratio | 14.0371% | 620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.6180% | 235 |
| Memoranda: |
| Average total assets | $531,194,667 | 1,620 |
| Average earning assets | $482,457,667 | 1,657 |
| Average equity | $75,990,000 | 1,273 |
| Average total loans | $280,904,333 | 1,831 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6193% | 4,558 |
| Cost of funding earning assets | 0.5503% | 1,100 |
| Net interest margin | 2.0690% | 4,696 |
| Noninterest income to average assets | 0.3625% | 3,276 |
| Noninterest expense to average assets | 2.0848% | 3,471 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.1023% | 4,712 |
| Return on assets (ROA) | 0.1023% | 4,723 |
| Pretax return on assets | 0.1541% | 4,700 |
| Return on Equity (ROE) | 0.7066% | 4,733 |
| Retained earnings to average equity (ytd only) | 0.7066% | 4,268 |
| Net charge-offs to loans | -0.0298% | 4,169 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1152% | 298 |
| Assets per employee ($millions) | 7.5392% | 1,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8546% | 4,285 |
| Loan loss allowance to noncurrent loans | 124.5144% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 0.5020% | 1,880 |
| Noncurrent loans to loans | 0.6863% | 1,869 |
| Net loans and leases to total assets | 50.6950% | 3,564 |
| Net loans and leases to deposits | 59.3101% | 3,540 |
| Net loans and leases to core deposits | 63.1033% | 3,491 |
| Total domestic deposits to total assets | 85.4745% | 2,934 |
| Equity capital to assets | 13.8526% | 701 |
| Core capital (leverage) ratio | 14.0776% | 640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.1646% | 229 |
| Memoranda: |
| Average total assets | $524,176,000 | 1,620 |
| Average earning assets | $475,398,000 | 1,663 |
| Average equity | $75,855,000 | 1,264 |
| Average total loans | $281,628,000 | 1,825 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0948% | 4,574 |
| Cost of funding earning assets | 0.6972% | 1,727 |
| Net interest margin | 2.3976% | 4,657 |
| Noninterest income to average assets | 0.3368% | 3,447 |
| Noninterest expense to average assets | 2.2860% | 3,444 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.2230% | 4,544 |
| Return on assets (ROA) | 0.2232% | 4,605 |
| Pretax return on assets | 0.2185% | 4,638 |
| Return on Equity (ROE) | 1.4445% | 4,629 |
| Retained earnings to average equity (ytd only) | 1.4445% | 4,054 |
| Net charge-offs to loans | -0.1548% | 4,870 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2818% | 332 |
| Assets per employee ($millions) | 6.8315% | 1,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8229% | 4,373 |
| Loan loss allowance to noncurrent loans | 105.7580% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 0.6662% | 1,570 |
| Noncurrent loans to loans | 0.7781% | 1,772 |
| Net loans and leases to total assets | 56.0500% | 3,294 |
| Net loans and leases to deposits | 66.5371% | 3,221 |
| Net loans and leases to core deposits | 71.1439% | 3,163 |
| Total domestic deposits to total assets | 84.2387% | 3,038 |
| Equity capital to assets | 15.1356% | 552 |
| Core capital (leverage) ratio | 15.1976% | 480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.7351% | 220 |
| Memoranda: |
| Average total assets | $492,822,600 | 1,570 |
| Average earning assets | $445,524,800 | 1,603 |
| Average equity | $76,150,400 | 1,206 |
| Average total loans | $290,749,000 | 1,721 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1909% | 4,600 |
| Cost of funding earning assets | 0.7228% | 1,885 |
| Net interest margin | 2.4681% | 4,679 |
| Noninterest income to average assets | 0.3447% | 3,408 |
| Noninterest expense to average assets | 2.1871% | 3,711 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.2892% | 4,461 |
| Return on assets (ROA) | 0.2895% | 4,510 |
| Pretax return on assets | 0.3894% | 4,446 |
| Return on Equity (ROE) | 1.8634% | 4,571 |
| Retained earnings to average equity (ytd only) | 1.8634% | 3,975 |
| Net charge-offs to loans | -0.0315% | 4,548 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8959% | 566 |
| Assets per employee ($millions) | 7.0104% | 1,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6830% | 4,604 |
| Loan loss allowance to noncurrent loans | 67.4196% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.6306% | 1,845 |
| Noncurrent loans to loans | 1.0130% | 1,473 |
| Net loans and leases to total assets | 56.7545% | 3,546 |
| Net loans and leases to deposits | 67.6347% | 3,495 |
| Net loans and leases to core deposits | 72.2157% | 3,453 |
| Total domestic deposits to total assets | 83.9133% | 2,847 |
| Equity capital to assets | 15.1795% | 598 |
| Core capital (leverage) ratio | 15.1401% | 519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.4579% | 232 |
| Memoranda: |
| Average total assets | $489,646,000 | 1,561 |
| Average earning assets | $442,711,250 | 1,599 |
| Average equity | $76,059,250 | 1,203 |
| Average total loans | $292,011,250 | 1,714 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2991% | 4,653 |
| Cost of funding earning assets | 0.7513% | 2,110 |
| Net interest margin | 2.5478% | 4,701 |
| Noninterest income to average assets | 0.3491% | 3,386 |
| Noninterest expense to average assets | 2.1700% | 3,875 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.3491% | 4,337 |
| Return on assets (ROA) | 0.3491% | 4,391 |
| Pretax return on assets | 0.4829% | 4,279 |
| Return on Equity (ROE) | 2.2300% | 4,489 |
| Retained earnings to average equity (ytd only) | 2.2300% | 3,670 |
| Net charge-offs to loans | -0.0280% | 4,514 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7984% | 765 |
| Assets per employee ($millions) | 7.1964% | 1,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6693% | 4,634 |
| Loan loss allowance to noncurrent loans | 66.5524% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 0.6402% | 1,898 |
| Noncurrent loans to loans | 1.0057% | 1,546 |
| Net loans and leases to total assets | 58.0399% | 3,510 |
| Net loans and leases to deposits | 69.1971% | 3,481 |
| Net loans and leases to core deposits | 74.5282% | 3,418 |
| Total domestic deposits to total assets | 83.8761% | 2,789 |
| Equity capital to assets | 15.3852% | 557 |
| Core capital (leverage) ratio | 15.6899% | 472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.0504% | 240 |
| Memoranda: |
| Average total assets | $484,612,667 | 1,545 |
| Average earning assets | $438,178,333 | 1,586 |
| Average equity | $75,873,000 | 1,195 |
| Average total loans | $293,203,000 | 1,694 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4613% | 4,674 |
| Cost of funding earning assets | 0.7751% | 2,520 |
| Net interest margin | 2.6862% | 4,677 |
| Noninterest income to average assets | 0.3761% | 3,263 |
| Noninterest expense to average assets | 2.1101% | 4,199 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4830% | 3,938 |
| Return on assets (ROA) | 0.4830% | 3,992 |
| Pretax return on assets | 0.6928% | 3,704 |
| Return on Equity (ROE) | 3.0577% | 4,201 |
| Retained earnings to average equity (ytd only) | 3.0577% | 3,056 |
| Net charge-offs to loans | -0.0163% | 4,254 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2832% | 1,646 |
| Assets per employee ($millions) | 6.8057% | 1,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6535% | 4,685 |
| Loan loss allowance to noncurrent loans | 60.6339% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 0.7171% | 1,869 |
| Noncurrent loans to loans | 1.0779% | 1,541 |
| Net loans and leases to total assets | 61.0412% | 3,392 |
| Net loans and leases to deposits | 73.4264% | 3,330 |
| Net loans and leases to core deposits | 79.4406% | 3,242 |
| Total domestic deposits to total assets | 83.1325% | 3,068 |
| Equity capital to assets | 15.9877% | 583 |
| Core capital (leverage) ratio | 16.0071% | 519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.4750% | 256 |
| Memoranda: |
| Average total assets | $478,644,000 | 1,512 |
| Average earning assets | $432,438,000 | 1,543 |
| Average equity | $75,612,000 | 1,194 |
| Average total loans | $294,735,000 | 1,663 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5988% | 4,777 |
| Cost of funding earning assets | 0.7872% | 2,738 |
| Net interest margin | 2.8115% | 4,751 |
| Noninterest income to average assets | 0.2985% | 3,895 |
| Noninterest expense to average assets | 2.4947% | 3,464 |
| Loan and lease loss provision to assets | -0.1891% | 5,118 |
| Net operating income to assets | 0.5392% | 4,311 |
| Return on assets (ROA) | 0.5392% | 4,365 |
| Pretax return on assets | 0.5345% | 4,517 |
| Return on Equity (ROE) | 3.5808% | 4,559 |
| Retained earnings to average equity (ytd only) | 3.5808% | 3,213 |
| Net charge-offs to loans | 0.5850% | 316 |
| Credit loss provision to net charge-offs | -52.3918% | 4,168 |
| Earnings coverage of net charge-offs (x) | 0.9567% | 3,578 |
| Efficiency ratio | 87.8402% | 446 |
| Assets per employee ($millions) | 6.3275% | 1,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6406% | 4,670 |
| Loan loss allowance to noncurrent loans | 58.7091% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 0.7047% | 1,836 |
| Noncurrent loans to loans | 1.0911% | 1,384 |
| Net loans and leases to total assets | 61.3148% | 3,469 |
| Net loans and leases to deposits | 73.3348% | 3,408 |
| Net loans and leases to core deposits | 80.9278% | 3,219 |
| Total domestic deposits to total assets | 83.6094% | 2,993 |
| Equity capital to assets | 15.6083% | 672 |
| Core capital (leverage) ratio | 15.5982% | 576 |
| Tier 1 risk-based capital ratio | 29.9541% | 475 |
| Total risk-based capital ratio | 30.7171% | 484 |
| Memoranda: |
| Average total assets | $486,466,600 | 1,458 |
| Average earning assets | $439,759,800 | 1,483 |
| Average equity | $73,252,800 | 1,177 |
| Average total loans | $300,182,400 | 1,603 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5871% | 4,888 |
| Cost of funding earning assets | 0.7800% | 2,815 |
| Net interest margin | 2.8071% | 4,855 |
| Noninterest income to average assets | 0.2993% | 3,947 |
| Noninterest expense to average assets | 2.3982% | 3,687 |
| Loan and lease loss provision to assets | 0.0629% | 2,635 |
| Net operating income to assets | 0.3034% | 4,839 |
| Return on assets (ROA) | 0.3034% | 4,859 |
| Pretax return on assets | 0.3758% | 4,833 |
| Return on Equity (ROE) | 2.0329% | 4,890 |
| Retained earnings to average equity (ytd only) | 2.0329% | 4,257 |
| Net charge-offs to loans | 0.3676% | 460 |
| Credit loss provision to net charge-offs | 27.7108% | 2,926 |
| Earnings coverage of net charge-offs (x) | 1.9337% | 3,238 |
| Efficiency ratio | 84.5376% | 578 |
| Assets per employee ($millions) | 6.5508% | 1,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3276% | 1,852 |
| Loan loss allowance to noncurrent loans | 65.3897% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 1.2858% | 949 |
| Noncurrent loans to loans | 2.0302% | 664 |
| Net loans and leases to total assets | 60.9773% | 3,597 |
| Net loans and leases to deposits | 72.6998% | 3,577 |
| Net loans and leases to core deposits | 80.3598% | 3,363 |
| Total domestic deposits to total assets | 83.8755% | 2,868 |
| Equity capital to assets | 15.2022% | 795 |
| Core capital (leverage) ratio | 15.0545% | 727 |
| Tier 1 risk-based capital ratio | 28.6253% | 531 |
| Total risk-based capital ratio | 29.8789% | 525 |
| Memoranda: |
| Average total assets | $487,860,250 | 1,463 |
| Average earning assets | $441,017,750 | 1,486 |
| Average equity | $72,801,250 | 1,176 |
| Average total loans | $301,038,250 | 1,612 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5851% | 4,942 |
| Cost of funding earning assets | 0.7675% | 2,815 |
| Net interest margin | 2.8176% | 4,910 |
| Noninterest income to average assets | 0.3034% | 3,900 |
| Noninterest expense to average assets | 2.3430% | 3,884 |
| Loan and lease loss provision to assets | -0.3475% | 5,280 |
| Net operating income to assets | 0.7662% | 3,768 |
| Return on assets (ROA) | 0.7662% | 3,831 |
| Pretax return on assets | 0.8565% | 3,956 |
| Return on Equity (ROE) | 5.1479% | 4,312 |
| Retained earnings to average equity (ytd only) | 5.1479% | 2,698 |
| Net charge-offs to loans | 0.4729% | 336 |
| Credit loss provision to net charge-offs | -119.2146% | 3,923 |
| Earnings coverage of net charge-offs (x) | 1.7461% | 2,997 |
| Efficiency ratio | 82.1531% | 792 |
| Assets per employee ($millions) | 6.6621% | 1,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9990% | 3,634 |
| Loan loss allowance to noncurrent loans | 78.5714% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 0.8200% | 1,717 |
| Noncurrent loans to loans | 1.2714% | 1,244 |
| Net loans and leases to total assets | 61.4183% | 3,609 |
| Net loans and leases to deposits | 73.1521% | 3,584 |
| Net loans and leases to core deposits | 81.8560% | 3,276 |
| Total domestic deposits to total assets | 83.9597% | 2,887 |
| Equity capital to assets | 15.2939% | 746 |
| Core capital (leverage) ratio | 15.2283% | 662 |
| Tier 1 risk-based capital ratio | 28.1540% | 559 |
| Total risk-based capital ratio | 29.3026% | 550 |
| Memoranda: |
| Average total assets | $489,197,330 | 1,461 |
| Average earning assets | $442,498,000 | 1,487 |
| Average equity | $72,807,000 | 1,177 |
| Average total loans | $301,527,670 | 1,616 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5686% | 4,986 |
| Cost of funding earning assets | 0.7491% | 2,795 |
| Net interest margin | 2.8195% | 4,973 |
| Noninterest income to average assets | 0.2674% | 4,085 |
| Noninterest expense to average assets | 2.2420% | 4,163 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4647% | 4,611 |
| Return on assets (ROA) | 0.4647% | 4,631 |
| Pretax return on assets | 0.5756% | 4,561 |
| Return on Equity (ROE) | 3.1657% | 4,752 |
| Retained earnings to average equity (ytd only) | 3.1657% | 3,669 |
| Net charge-offs to loans | 0.6330% | 235 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 1.4801% | 2,593 |
| Efficiency ratio | 79.5718% | 1,099 |
| Assets per employee ($millions) | 6.7522% | 1,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3642% | 1,812 |
| Loan loss allowance to noncurrent loans | 59.9678% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 1.4165% | 872 |
| Noncurrent loans to loans | 2.2748% | 612 |
| Net loans and leases to total assets | 60.1431% | 3,695 |
| Net loans and leases to deposits | 71.2261% | 3,663 |
| Net loans and leases to core deposits | 79.2625% | 3,426 |
| Total domestic deposits to total assets | 84.4396% | 2,873 |
| Equity capital to assets | 14.7225% | 819 |
| Core capital (leverage) ratio | 14.9434% | 712 |
| Tier 1 risk-based capital ratio | 27.3456% | 600 |
| Total risk-based capital ratio | 28.5991% | 585 |
| Memoranda: |
| Average total assets | $490,630,500 | 1,462 |
| Average earning assets | $443,759,500 | 1,497 |
| Average equity | $72,021,000 | 1,182 |
| Average total loans | $301,436,500 | 1,627 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5010% | 4,914 |
| Cost of funding earning assets | 0.7431% | 1,833 |
| Net interest margin | 2.7579% | 5,058 |
| Noninterest income to average assets | 0.3086% | 4,050 |
| Noninterest expense to average assets | 2.3116% | 4,090 |
| Loan and lease loss provision to assets | 0.7559% | 132 |
| Net operating income to assets | -0.3769% | 5,310 |
| Return on assets (ROA) | -0.4265% | 5,305 |
| Pretax return on assets | -0.3151% | 5,288 |
| Return on Equity (ROE) | -2.9431% | 5,289 |
| Retained earnings to average equity (ytd only) | -2.9431% | 5,178 |
| Net charge-offs to loans | 0.1692% | 1,134 |
| Credit loss provision to net charge-offs | 753.0120% | 476 |
| Earnings coverage of net charge-offs (x) | 4.8855% | 3,248 |
| Efficiency ratio | 82.4977% | 748 |
| Assets per employee ($millions) | 6.5993% | 1,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5140% | 1,245 |
| Loan loss allowance to noncurrent loans | 70.1994% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 1.3720% | 904 |
| Noncurrent loans to loans | 2.1567% | 604 |
| Net loans and leases to total assets | 60.9694% | 3,668 |
| Net loans and leases to deposits | 71.9567% | 3,675 |
| Net loans and leases to core deposits | 80.3759% | 3,400 |
| Total domestic deposits to total assets | 84.7308% | 2,760 |
| Equity capital to assets | 14.6357% | 798 |
| Core capital (leverage) ratio | 14.5488% | 786 |
| Tier 1 risk-based capital ratio | 27.6363% | 588 |
| Total risk-based capital ratio | 28.8925% | 577 |
| Memoranda: |
| Average total assets | $496,106,600 | 1,418 |
| Average earning assets | $448,533,400 | 1,452 |
| Average equity | $71,897,600 | 1,136 |
| Average total loans | $294,252,400 | 1,617 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4641% | 4,965 |
| Cost of funding earning assets | 0.7386% | 1,628 |
| Net interest margin | 2.7255% | 5,149 |
| Noninterest income to average assets | 0.3071% | 4,093 |
| Noninterest expense to average assets | 2.2135% | 4,291 |
| Loan and lease loss provision to assets | 0.0854% | 2,262 |
| Net operating income to assets | 0.3619% | 5,008 |
| Return on assets (ROA) | 0.3101% | 5,080 |
| Pretax return on assets | 0.4083% | 5,028 |
| Return on Equity (ROE) | 2.1040% | 5,119 |
| Retained earnings to average equity (ytd only) | 2.1040% | 4,541 |
| Net charge-offs to loans | 0.2277% | 748 |
| Credit loss provision to net charge-offs | 64.1283% | 2,695 |
| Earnings coverage of net charge-offs (x) | 4.2004% | 3,090 |
| Efficiency ratio | 79.8287% | 957 |
| Assets per employee ($millions) | 6.5995% | 1,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3850% | 5,302 |
| Loan loss allowance to noncurrent loans | 84.2647% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 0.3253% | 3,383 |
| Noncurrent loans to loans | 0.4569% | 3,015 |
| Net loans and leases to total assets | 59.9027% | 3,853 |
| Net loans and leases to deposits | 71.1487% | 3,837 |
| Net loans and leases to core deposits | 79.6226% | 3,529 |
| Total domestic deposits to total assets | 84.1937% | 2,876 |
| Equity capital to assets | 14.9091% | 744 |
| Core capital (leverage) ratio | 15.0032% | 703 |
| Tier 1 risk-based capital ratio | 28.8281% | 527 |
| Total risk-based capital ratio | 29.2713% | 559 |
| Memoranda: |
| Average total assets | $499,648,000 | 1,415 |
| Average earning assets | $452,014,000 | 1,445 |
| Average equity | $73,636,250 | 1,109 |
| Average total loans | $292,204,750 | 1,632 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4221% | 5,016 |
| Cost of funding earning assets | 0.7341% | 1,447 |
| Net interest margin | 2.6880% | 5,227 |
| Noninterest income to average assets | 0.3057% | 4,130 |
| Noninterest expense to average assets | 2.2123% | 4,342 |
| Loan and lease loss provision to assets | 0.0559% | 2,792 |
| Net operating income to assets | 0.3641% | 5,029 |
| Return on assets (ROA) | 0.2865% | 5,129 |
| Pretax return on assets | 0.3735% | 5,077 |
| Return on Equity (ROE) | 1.9515% | 5,179 |
| Retained earnings to average equity (ytd only) | 1.9515% | 4,474 |
| Net charge-offs to loans | 0.0048% | 3,002 |
| Credit loss provision to net charge-offs | 2,000.0000% | 212 |
| Earnings coverage of net charge-offs (x) | 188.8571% | 436 |
| Efficiency ratio | 80.7457% | 934 |
| Assets per employee ($millions) | 6.4783% | 1,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4953% | 5,265 |
| Loan loss allowance to noncurrent loans | 66.7582% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 0.4378% | 2,974 |
| Noncurrent loans to loans | 0.7419% | 2,251 |
| Net loans and leases to total assets | 58.7188% | 3,924 |
| Net loans and leases to deposits | 69.4356% | 3,906 |
| Net loans and leases to core deposits | 77.3669% | 3,630 |
| Total domestic deposits to total assets | 84.5657% | 2,848 |
| Equity capital to assets | 14.7639% | 742 |
| Core capital (leverage) ratio | 14.8007% | 715 |
| Tier 1 risk-based capital ratio | 28.2653% | 545 |
| Total risk-based capital ratio | 28.8215% | 574 |
| Memoranda: |
| Average total assets | $501,208,670 | 1,412 |
| Average earning assets | $453,876,670 | 1,437 |
| Average equity | $73,583,330 | 1,109 |
| Average total loans | $290,391,670 | 1,643 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3889% | 5,039 |
| Cost of funding earning assets | 0.7409% | 1,229 |
| Net interest margin | 2.6480% | 5,291 |
| Noninterest income to average assets | 0.2803% | 4,298 |
| Noninterest expense to average assets | 2.1370% | 4,562 |
| Loan and lease loss provision to assets | 0.0318% | 3,086 |
| Net operating income to assets | 0.3808% | 4,964 |
| Return on assets (ROA) | 0.2261% | 5,215 |
| Pretax return on assets | 0.3145% | 5,154 |
| Return on Equity (ROE) | 1.5445% | 5,244 |
| Retained earnings to average equity (ytd only) | 1.5445% | 4,476 |
| Net charge-offs to loans | 0.0028% | 2,640 |
| Credit loss provision to net charge-offs | 2,000.0000% | 191 |
| Earnings coverage of net charge-offs (x) | 340.5000% | 200 |
| Efficiency ratio | 79.7623% | 1,165 |
| Assets per employee ($millions) | 7.0561% | 938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4706% | 5,365 |
| Loan loss allowance to noncurrent loans | 62.6667% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 0.4341% | 3,105 |
| Noncurrent loans to loans | 0.7510% | 2,328 |
| Net loans and leases to total assets | 57.5378% | 3,987 |
| Net loans and leases to deposits | 68.0307% | 3,944 |
| Net loans and leases to core deposits | 75.7616% | 3,691 |
| Total domestic deposits to total assets | 84.5762% | 3,087 |
| Equity capital to assets | 14.6531% | 739 |
| Core capital (leverage) ratio | 14.6577% | 726 |
| Tier 1 risk-based capital ratio | 28.9071% | 517 |
| Total risk-based capital ratio | 29.5126% | 539 |
| Memoranda: |
| Average total assets | $502,397,000 | 1,418 |
| Average earning assets | $455,137,000 | 1,446 |
| Average equity | $73,551,500 | 1,117 |
| Average total loans | $288,404,500 | 1,664 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3077% | 5,072 |
| Cost of funding earning assets | 0.8029% | 613 |
| Net interest margin | 2.5049% | 5,410 |
| Noninterest income to average assets | 0.2915% | 4,378 |
| Noninterest expense to average assets | 2.1348% | 4,686 |
| Loan and lease loss provision to assets | 0.0473% | 3,278 |
| Net operating income to assets | 0.2357% | 5,039 |
| Return on assets (ROA) | 0.2357% | 5,052 |
| Pretax return on assets | 0.3736% | 5,121 |
| Return on Equity (ROE) | 1.6304% | 5,127 |
| Retained earnings to average equity (ytd only) | 1.6304% | 4,326 |
| Net charge-offs to loans | 0.0147% | 3,596 |
| Credit loss provision to net charge-offs | 585.3659% | 551 |
| Earnings coverage of net charge-offs (x) | 52.1220% | 1,058 |
| Efficiency ratio | 83.5324% | 808 |
| Assets per employee ($millions) | 6.9974% | 969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4614% | 5,436 |
| Loan loss allowance to noncurrent loans | 61.3710% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 0.4285% | 3,153 |
| Noncurrent loans to loans | 0.7518% | 2,324 |
| Net loans and leases to total assets | 56.7408% | 4,122 |
| Net loans and leases to deposits | 66.9316% | 4,110 |
| Net loans and leases to core deposits | 74.4749% | 3,848 |
| Total domestic deposits to total assets | 84.7743% | 2,920 |
| Equity capital to assets | 14.6272% | 748 |
| Core capital (leverage) ratio | 14.5322% | 726 |
| Tier 1 risk-based capital ratio | 28.9229% | 500 |
| Total risk-based capital ratio | 29.4449% | 523 |
| Memoranda: |
| Average total assets | $507,772,200 | 1,384 |
| Average earning assets | $458,989,400 | 1,417 |
| Average equity | $73,417,400 | 1,085 |
| Average total loans | $279,233,400 | 1,663 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2859% | 5,129 |
| Cost of funding earning assets | 0.8107% | 537 |
| Net interest margin | 2.4752% | 5,489 |
| Noninterest income to average assets | 0.2951% | 4,423 |
| Noninterest expense to average assets | 2.0449% | 4,860 |
| Loan and lease loss provision to assets | 0.0157% | 3,830 |
| Net operating income to assets | 0.3417% | 5,131 |
| Return on assets (ROA) | 0.3417% | 5,155 |
| Pretax return on assets | 0.4733% | 5,080 |
| Return on Equity (ROE) | 2.3704% | 5,249 |
| Retained earnings to average equity (ytd only) | 2.3704% | 4,463 |
| Net charge-offs to loans | 0.0149% | 3,221 |
| Credit loss provision to net charge-offs | 193.5484% | 1,375 |
| Earnings coverage of net charge-offs (x) | 60.1970% | 991 |
| Efficiency ratio | 80.7012% | 1,022 |
| Assets per employee ($millions) | 6.8654% | 1,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4101% | 5,554 |
| Loan loss allowance to noncurrent loans | 56.7847% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 0.4004% | 3,429 |
| Noncurrent loans to loans | 0.7222% | 2,553 |
| Net loans and leases to total assets | 55.2109% | 4,302 |
| Net loans and leases to deposits | 65.2414% | 4,300 |
| Net loans and leases to core deposits | 72.5735% | 4,098 |
| Total domestic deposits to total assets | 84.6255% | 2,873 |
| Equity capital to assets | 14.5665% | 839 |
| Core capital (leverage) ratio | 14.4518% | 779 |
| Tier 1 risk-based capital ratio | 28.4817% | 541 |
| Total risk-based capital ratio | 28.9289% | 575 |
| Memoranda: |
| Average total assets | $508,761,750 | 1,389 |
| Average earning assets | $460,179,000 | 1,423 |
| Average equity | $73,348,250 | 1,095 |
| Average total loans | $277,243,500 | 1,678 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2786% | 5,136 |
| Cost of funding earning assets | 0.8160% | 485 |
| Net interest margin | 2.4627% | 5,531 |
| Noninterest income to average assets | 0.2919% | 4,467 |
| Noninterest expense to average assets | 2.0326% | 4,903 |
| Loan and lease loss provision to assets | 0.0079% | 3,773 |
| Net operating income to assets | 0.3481% | 5,102 |
| Return on assets (ROA) | 0.3481% | 5,124 |
| Pretax return on assets | 0.4821% | 5,035 |
| Return on Equity (ROE) | 2.4231% | 5,252 |
| Retained earnings to average equity (ytd only) | 2.4231% | 4,232 |
| Net charge-offs to loans | 0.0189% | 2,869 |
| Credit loss provision to net charge-offs | 76.9231% | 2,295 |
| Earnings coverage of net charge-offs (x) | 47.9615% | 1,105 |
| Efficiency ratio | 80.5763% | 1,152 |
| Assets per employee ($millions) | 6.7534% | 1,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4022% | 5,609 |
| Loan loss allowance to noncurrent loans | 62.4303% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 0.3542% | 3,702 |
| Noncurrent loans to loans | 0.6442% | 2,800 |
| Net loans and leases to total assets | 54.7591% | 4,336 |
| Net loans and leases to deposits | 64.5270% | 4,338 |
| Net loans and leases to core deposits | 71.8394% | 4,103 |
| Total domestic deposits to total assets | 84.8623% | 2,863 |
| Equity capital to assets | 14.5371% | 814 |
| Core capital (leverage) ratio | 14.4002% | 766 |
| Tier 1 risk-based capital ratio | 29.2331% | 500 |
| Total risk-based capital ratio | 29.6807% | 513 |
| Memoranda: |
| Average total assets | $509,001,330 | 1,393 |
| Average earning assets | $461,047,000 | 1,425 |
| Average equity | $73,129,670 | 1,093 |
| Average total loans | $275,774,670 | 1,686 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2598% | 5,165 |
| Cost of funding earning assets | 0.8368% | 395 |
| Net interest margin | 2.4230% | 5,605 |
| Noninterest income to average assets | 0.2814% | 4,540 |
| Noninterest expense to average assets | 2.0006% | 5,050 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3441% | 5,092 |
| Return on assets (ROA) | 0.3441% | 5,109 |
| Pretax return on assets | 0.4735% | 5,015 |
| Return on Equity (ROE) | 2.4095% | 5,258 |
| Retained earnings to average equity (ytd only) | 2.4095% | 4,184 |
| Net charge-offs to loans | 0.0015% | 2,914 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 604.0000% | 92 |
| Efficiency ratio | 80.8619% | 1,276 |
| Assets per employee ($millions) | 6.9915% | 959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4082% | 5,681 |
| Loan loss allowance to noncurrent loans | 75.8086% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 0.2908% | 4,046 |
| Noncurrent loans to loans | 0.5384% | 3,198 |
| Net loans and leases to total assets | 53.7799% | 4,353 |
| Net loans and leases to deposits | 63.2847% | 4,350 |
| Net loans and leases to core deposits | 70.9294% | 4,078 |
| Total domestic deposits to total assets | 84.9809% | 3,100 |
| Equity capital to assets | 14.3223% | 808 |
| Core capital (leverage) ratio | 14.2893% | 770 |
| Tier 1 risk-based capital ratio | 28.9053% | 516 |
| Total risk-based capital ratio | 29.3524% | 540 |
| Memoranda: |
| Average total assets | $510,250,000 | 1,391 |
| Average earning assets | $461,747,000 | 1,425 |
| Average equity | $72,879,000 | 1,093 |
| Average total loans | $274,423,500 | 1,706 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1828% | 5,325 |
| Cost of funding earning assets | 0.9584% | 217 |
| Net interest margin | 2.2244% | 5,740 |
| Noninterest income to average assets | 0.2795% | 4,739 |
| Noninterest expense to average assets | 2.0214% | 5,143 |
| Loan and lease loss provision to assets | 0.0115% | 4,147 |
| Net operating income to assets | 0.2241% | 5,373 |
| Return on assets (ROA) | 0.2241% | 5,436 |
| Pretax return on assets | 0.2873% | 5,376 |
| Return on Equity (ROE) | 1.6061% | 5,473 |
| Retained earnings to average equity (ytd only) | 1.6061% | 4,618 |
| Net charge-offs to loans | -0.0018% | 4,693 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1192% | 744 |
| Assets per employee ($millions) | 6.9880% | 931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4121% | 5,728 |
| Loan loss allowance to noncurrent loans | 195.1473% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 0.1131% | 4,860 |
| Noncurrent loans to loans | 0.2112% | 4,395 |
| Net loans and leases to total assets | 53.3431% | 4,496 |
| Net loans and leases to deposits | 62.5956% | 4,501 |
| Net loans and leases to core deposits | 70.3883% | 4,206 |
| Total domestic deposits to total assets | 85.2186% | 2,950 |
| Equity capital to assets | 14.2437% | 811 |
| Core capital (leverage) ratio | 14.1370% | 785 |
| Tier 1 risk-based capital ratio | 29.9721% | 479 |
| Total risk-based capital ratio | 30.4389% | 500 |
| Memoranda: |
| Average total assets | $520,639,200 | 1,318 |
| Average earning assets | $477,661,800 | 1,329 |
| Average equity | $72,661,600 | 1,090 |
| Average total loans | $274,106,200 | 1,651 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1869% | 5,383 |
| Cost of funding earning assets | 0.9780% | 188 |
| Net interest margin | 2.2089% | 5,814 |
| Noninterest income to average assets | 0.2734% | 4,816 |
| Noninterest expense to average assets | 1.9434% | 5,305 |
| Loan and lease loss provision to assets | 0.0153% | 3,940 |
| Net operating income to assets | 0.2663% | 5,357 |
| Return on assets (ROA) | 0.2663% | 5,432 |
| Pretax return on assets | 0.3491% | 5,379 |
| Return on Equity (ROE) | 1.9175% | 5,482 |
| Retained earnings to average equity (ytd only) | 1.9175% | 4,722 |
| Net charge-offs to loans | -0.0044% | 4,594 |
| Credit loss provision to net charge-offs | -666.6667% | 5,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2111% | 983 |
| Assets per employee ($millions) | 7.1629% | 832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4155% | 5,791 |
| Loan loss allowance to noncurrent loans | 203.2374% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.1078% | 4,996 |
| Noncurrent loans to loans | 0.2044% | 4,538 |
| Net loans and leases to total assets | 52.5130% | 4,612 |
| Net loans and leases to deposits | 61.7235% | 4,647 |
| Net loans and leases to core deposits | 69.1589% | 4,387 |
| Total domestic deposits to total assets | 85.0778% | 2,771 |
| Equity capital to assets | 14.2044% | 964 |
| Core capital (leverage) ratio | 13.8939% | 882 |
| Tier 1 risk-based capital ratio | 31.0641% | 443 |
| Total risk-based capital ratio | 31.5503% | 468 |
| Memoranda: |
| Average total assets | $523,268,500 | 1,316 |
| Average earning assets | $481,913,000 | 1,319 |
| Average equity | $72,662,000 | 1,096 |
| Average total loans | $274,322,500 | 1,650 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2080% | 5,419 |
| Cost of funding earning assets | 0.9937% | 177 |
| Net interest margin | 2.2143% | 5,896 |
| Noninterest income to average assets | 0.2682% | 4,865 |
| Noninterest expense to average assets | 1.8955% | 5,457 |
| Loan and lease loss provision to assets | 0.0114% | 3,872 |
| Net operating income to assets | 0.3062% | 5,307 |
| Return on assets (ROA) | 0.3062% | 5,395 |
| Pretax return on assets | 0.4066% | 5,333 |
| Return on Equity (ROE) | 2.2218% | 5,459 |
| Retained earnings to average equity (ytd only) | 2.2218% | 4,464 |
| Net charge-offs to loans | -0.0058% | 4,568 |
| Credit loss provision to net charge-offs | -375.0000% | 4,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9303% | 1,279 |
| Assets per employee ($millions) | 7.3578% | 745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4024% | 5,877 |
| Loan loss allowance to noncurrent loans | 210.5364% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.0999% | 5,113 |
| Noncurrent loans to loans | 0.1911% | 4,673 |
| Net loans and leases to total assets | 52.0731% | 4,666 |
| Net loans and leases to deposits | 60.9101% | 4,737 |
| Net loans and leases to core deposits | 68.0316% | 4,470 |
| Total domestic deposits to total assets | 85.4917% | 2,647 |
| Equity capital to assets | 13.9986% | 1,031 |
| Core capital (leverage) ratio | 13.7161% | 900 |
| Tier 1 risk-based capital ratio | 31.0834% | 452 |
| Total risk-based capital ratio | 31.5579% | 479 |
| Memoranda: |
| Average total assets | $525,782,000 | 1,319 |
| Average earning assets | $485,661,330 | 1,313 |
| Average equity | $72,464,000 | 1,102 |
| Average total loans | $275,112,000 | 1,640 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2201% | 5,456 |
| Cost of funding earning assets | 1.0136% | 153 |
| Net interest margin | 2.2065% | 5,961 |
| Noninterest income to average assets | 0.2571% | 4,894 |
| Noninterest expense to average assets | 1.8943% | 5,530 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3071% | 5,282 |
| Return on assets (ROA) | 0.3071% | 5,366 |
| Pretax return on assets | 0.4080% | 5,298 |
| Return on Equity (ROE) | 2.2459% | 5,449 |
| Retained earnings to average equity (ytd only) | 2.2459% | 4,362 |
| Net charge-offs to loans | 0.0855% | 1,644 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 9.1186% | 2,011 |
| Efficiency ratio | 82.2793% | 1,349 |
| Assets per employee ($millions) | 7.3204% | 768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3631% | 5,980 |
| Loan loss allowance to noncurrent loans | 181.1935% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.1764% | 4,865 |
| Noncurrent loans to loans | 0.2004% | 4,701 |
| Net loans and leases to total assets | 52.1666% | 4,615 |
| Net loans and leases to deposits | 60.9745% | 4,648 |
| Net loans and leases to core deposits | 67.6951% | 4,427 |
| Total domestic deposits to total assets | 85.5548% | 2,883 |
| Equity capital to assets | 13.7760% | 1,063 |
| Core capital (leverage) ratio | 13.6768% | 916 |
| Tier 1 risk-based capital ratio | 30.9286% | 467 |
| Total risk-based capital ratio | 31.3615% | 497 |
| Memoranda: |
| Average total assets | $527,471,000 | 1,320 |
| Average earning assets | $488,929,000 | 1,304 |
| Average equity | $72,131,500 | 1,097 |
| Average total loans | $276,102,500 | 1,631 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3054% | 5,341 |
| Cost of funding earning assets | 1.1121% | 93 |
| Net interest margin | 2.1933% | 5,988 |
| Noninterest income to average assets | 0.2719% | 4,929 |
| Noninterest expense to average assets | 1.9432% | 5,554 |
| Loan and lease loss provision to assets | 0.0057% | 4,276 |
| Net operating income to assets | 0.2836% | 5,404 |
| Return on assets (ROA) | 0.2836% | 5,484 |
| Pretax return on assets | 0.3617% | 5,403 |
| Return on Equity (ROE) | 2.1137% | 5,545 |
| Retained earnings to average equity (ytd only) | 2.1137% | 4,519 |
| Net charge-offs to loans | 0.0489% | 3,221 |
| Credit loss provision to net charge-offs | 21.8978% | 3,732 |
| Earnings coverage of net charge-offs (x) | 14.2117% | 2,320 |
| Efficiency ratio | 84.0996% | 1,172 |
| Assets per employee ($millions) | 7.2312% | 811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3841% | 6,008 |
| Loan loss allowance to noncurrent loans | 181.9897% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.1819% | 4,880 |
| Noncurrent loans to loans | 0.2110% | 4,663 |
| Net loans and leases to total assets | 52.1315% | 4,683 |
| Net loans and leases to deposits | 60.6352% | 4,726 |
| Net loans and leases to core deposits | 67.4797% | 4,483 |
| Total domestic deposits to total assets | 85.9757% | 2,651 |
| Equity capital to assets | 13.5740% | 1,100 |
| Core capital (leverage) ratio | 13.5319% | 955 |
| Tier 1 risk-based capital ratio | 29.4696% | 532 |
| Total risk-based capital ratio | 29.9079% | 559 |
| Memoranda: |
| Average total assets | $529,940,400 | 1,276 |
| Average earning assets | $492,591,800 | 1,268 |
| Average equity | $71,107,600 | 1,073 |
| Average total loans | $280,090,800 | 1,560 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3263% | 5,365 |
| Cost of funding earning assets | 1.1298% | 83 |
| Net interest margin | 2.1965% | 6,076 |
| Noninterest income to average assets | 0.2689% | 5,009 |
| Noninterest expense to average assets | 1.8854% | 5,660 |
| Loan and lease loss provision to assets | 0.0075% | 4,107 |
| Net operating income to assets | 0.3142% | 5,412 |
| Return on assets (ROA) | 0.3142% | 5,496 |
| Pretax return on assets | 0.4172% | 5,433 |
| Return on Equity (ROE) | 2.3483% | 5,591 |
| Retained earnings to average equity (ytd only) | 2.3483% | 4,709 |
| Net charge-offs to loans | 0.0318% | 3,290 |
| Credit loss provision to net charge-offs | 44.7761% | 3,105 |
| Earnings coverage of net charge-offs (x) | 25.2242% | 1,671 |
| Efficiency ratio | 81.6124% | 1,447 |
| Assets per employee ($millions) | 7.0766% | 839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4066% | 6,086 |
| Loan loss allowance to noncurrent loans | 115.3925% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 0.1888% | 4,995 |
| Noncurrent loans to loans | 0.3523% | 4,349 |
| Net loans and leases to total assets | 52.2484% | 4,732 |
| Net loans and leases to deposits | 60.9281% | 4,788 |
| Net loans and leases to core deposits | 67.6294% | 4,574 |
| Total domestic deposits to total assets | 85.7541% | 2,665 |
| Equity capital to assets | 13.5270% | 1,214 |
| Core capital (leverage) ratio | 13.4487% | 1,035 |
| Tier 1 risk-based capital ratio | 29.3531% | 556 |
| Total risk-based capital ratio | 29.8205% | 583 |
| Memoranda: |
| Average total assets | $530,456,750 | 1,282 |
| Average earning assets | $492,954,500 | 1,274 |
| Average equity | $70,971,000 | 1,081 |
| Average total loans | $281,051,000 | 1,556 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3731% | 5,288 |
| Cost of funding earning assets | 1.1521% | 70 |
| Net interest margin | 2.2210% | 6,137 |
| Noninterest income to average assets | 0.2632% | 5,066 |
| Noninterest expense to average assets | 1.8633% | 5,764 |
| Loan and lease loss provision to assets | 0.0113% | 3,885 |
| Net operating income to assets | 0.3258% | 5,367 |
| Return on assets (ROA) | 0.3258% | 5,465 |
| Pretax return on assets | 0.4525% | 5,348 |
| Return on Equity (ROE) | 2.4442% | 5,583 |
| Retained earnings to average equity (ytd only) | 2.4442% | 4,499 |
| Net charge-offs to loans | 0.0397% | 2,885 |
| Credit loss provision to net charge-offs | 53.5714% | 2,663 |
| Earnings coverage of net charge-offs (x) | 21.9643% | 1,657 |
| Efficiency ratio | 80.0681% | 1,750 |
| Assets per employee ($millions) | 6.9054% | 868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4127% | 6,158 |
| Loan loss allowance to noncurrent loans | 143.1078% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 0.1561% | 5,251 |
| Noncurrent loans to loans | 0.2884% | 4,651 |
| Net loans and leases to total assets | 52.5132% | 4,708 |
| Net loans and leases to deposits | 61.0632% | 4,769 |
| Net loans and leases to core deposits | 67.5496% | 4,527 |
| Total domestic deposits to total assets | 85.9981% | 2,694 |
| Equity capital to assets | 13.5351% | 1,155 |
| Core capital (leverage) ratio | 13.3460% | 1,031 |
| Tier 1 risk-based capital ratio | 29.5540% | 566 |
| Total risk-based capital ratio | 30.0314% | 592 |
| Memoranda: |
| Average total assets | $530,361,000 | 1,291 |
| Average earning assets | $492,845,000 | 1,284 |
| Average equity | $70,696,670 | 1,091 |
| Average total loans | $281,922,330 | 1,546 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4218% | 5,159 |
| Cost of funding earning assets | 1.1871% | 65 |
| Net interest margin | 2.2347% | 6,188 |
| Noninterest income to average assets | 0.2468% | 5,191 |
| Noninterest expense to average assets | 1.8284% | 5,858 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3466% | 5,258 |
| Return on assets (ROA) | 0.3466% | 5,377 |
| Pretax return on assets | 0.4974% | 5,186 |
| Return on Equity (ROE) | 2.6202% | 5,502 |
| Retained earnings to average equity (ytd only) | 2.6202% | 4,373 |
| Net charge-offs to loans | 0.0042% | 3,179 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 221.0000% | 258 |
| Efficiency ratio | 78.6129% | 2,102 |
| Assets per employee ($millions) | 7.0886% | 824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4129% | 6,233 |
| Loan loss allowance to noncurrent loans | 123.6730% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 0.1983% | 5,162 |
| Noncurrent loans to loans | 0.3339% | 4,591 |
| Net loans and leases to total assets | 52.8493% | 4,573 |
| Net loans and leases to deposits | 61.4658% | 4,625 |
| Net loans and leases to core deposits | 68.0613% | 4,317 |
| Total domestic deposits to total assets | 85.9816% | 2,949 |
| Equity capital to assets | 13.3499% | 1,238 |
| Core capital (leverage) ratio | 13.1828% | 1,097 |
| Tier 1 risk-based capital ratio | 29.5021% | 567 |
| Total risk-based capital ratio | 29.9910% | 596 |
| Memoranda: |
| Average total assets | $533,138,000 | 1,283 |
| Average earning assets | $495,996,000 | 1,280 |
| Average equity | $70,528,500 | 1,090 |
| Average total loans | $284,516,000 | 1,543 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4725% | 5,386 |
| Cost of funding earning assets | 1.3141% | 50 |
| Net interest margin | 2.1584% | 6,324 |
| Noninterest income to average assets | 0.2625% | 5,256 |
| Noninterest expense to average assets | 1.7889% | 6,077 |
| Loan and lease loss provision to assets | 0.0064% | 4,499 |
| Net operating income to assets | 0.3860% | 5,264 |
| Return on assets (ROA) | 0.4347% | 5,182 |
| Pretax return on assets | 0.5371% | 5,152 |
| Return on Equity (ROE) | 3.4494% | 5,308 |
| Retained earnings to average equity (ytd only) | 3.4494% | 3,751 |
| Net charge-offs to loans | 0.0018% | 4,940 |
| Credit loss provision to net charge-offs | 700.0000% | 377 |
| Earnings coverage of net charge-offs (x) | 526.0000% | 99 |
| Efficiency ratio | 78.7251% | 2,100 |
| Assets per employee ($millions) | 6.7675% | 930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4071% | 6,318 |
| Loan loss allowance to noncurrent loans | 145.2736% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 0.1717% | 5,335 |
| Noncurrent loans to loans | 0.2802% | 4,845 |
| Net loans and leases to total assets | 53.4441% | 4,644 |
| Net loans and leases to deposits | 61.8012% | 4,743 |
| Net loans and leases to core deposits | 68.8716% | 4,417 |
| Total domestic deposits to total assets | 86.4774% | 2,579 |
| Equity capital to assets | 13.1086% | 1,313 |
| Core capital (leverage) ratio | 13.0849% | 1,100 |
| Tier 1 risk-based capital ratio | 28.2322% | 606 |
| Total risk-based capital ratio | 28.7044% | 631 |
| Memoranda: |
| Average total assets | $544,032,200 | 1,229 |
| Average earning assets | $506,586,000 | 1,211 |
| Average equity | $68,563,200 | 1,076 |
| Average total loans | $282,645,800 | 1,507 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4870% | 5,426 |
| Cost of funding earning assets | 1.3248% | 51 |
| Net interest margin | 2.1623% | 6,406 |
| Noninterest income to average assets | 0.2784% | 5,210 |
| Noninterest expense to average assets | 1.7023% | 6,208 |
| Loan and lease loss provision to assets | 0.0024% | 4,356 |
| Net operating income to assets | 0.4320% | 5,138 |
| Return on assets (ROA) | 0.4868% | 4,986 |
| Pretax return on assets | 0.6630% | 4,827 |
| Return on Equity (ROE) | 3.9011% | 5,210 |
| Retained earnings to average equity (ytd only) | 3.9011% | 3,876 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2523% | 2,780 |
| Assets per employee ($millions) | 6.9299% | 828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4039% | 6,403 |
| Loan loss allowance to noncurrent loans | 206.4748% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.1029% | 5,755 |
| Noncurrent loans to loans | 0.1956% | 5,320 |
| Net loans and leases to total assets | 52.3663% | 4,766 |
| Net loans and leases to deposits | 60.5607% | 4,892 |
| Net loans and leases to core deposits | 67.4456% | 4,564 |
| Total domestic deposits to total assets | 86.4691% | 2,602 |
| Equity capital to assets | 12.7533% | 1,550 |
| Core capital (leverage) ratio | 12.9561% | 1,198 |
| Tier 1 risk-based capital ratio | 28.1397% | 637 |
| Total risk-based capital ratio | 28.6009% | 670 |
| Memoranda: |
| Average total assets | $546,382,250 | 1,232 |
| Average earning assets | $508,957,750 | 1,217 |
| Average equity | $68,183,250 | 1,081 |
| Average total loans | $281,583,000 | 1,517 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5116% | 5,389 |
| Cost of funding earning assets | 1.3338% | 48 |
| Net interest margin | 2.1777% | 6,465 |
| Noninterest income to average assets | 0.2736% | 5,242 |
| Noninterest expense to average assets | 1.7504% | 6,208 |
| Loan and lease loss provision to assets | 0.0036% | 4,145 |
| Net operating income to assets | 0.3779% | 5,300 |
| Return on assets (ROA) | 0.3779% | 5,370 |
| Pretax return on assets | 0.5460% | 5,145 |
| Return on Equity (ROE) | 3.0501% | 5,513 |
| Retained earnings to average equity (ytd only) | 3.0501% | 4,265 |
| Net charge-offs to loans | -0.0014% | 5,038 |
| Credit loss provision to net charge-offs | -500.0000% | 5,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1021% | 2,611 |
| Assets per employee ($millions) | 7.2028% | 728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4081% | 6,483 |
| Loan loss allowance to noncurrent loans | 200.3484% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.1251% | 5,777 |
| Noncurrent loans to loans | 0.2037% | 5,407 |
| Net loans and leases to total assets | 51.2636% | 4,825 |
| Net loans and leases to deposits | 58.9080% | 4,960 |
| Net loans and leases to core deposits | 66.0281% | 4,640 |
| Total domestic deposits to total assets | 87.0231% | 2,442 |
| Equity capital to assets | 12.4768% | 1,662 |
| Core capital (leverage) ratio | 12.6181% | 1,334 |
| Tier 1 risk-based capital ratio | 27.5623% | 666 |
| Total risk-based capital ratio | 28.0212% | 704 |
| Memoranda: |
| Average total assets | $548,332,000 | 1,222 |
| Average earning assets | $510,253,330 | 1,201 |
| Average equity | $67,932,330 | 1,079 |
| Average total loans | $280,709,000 | 1,520 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5293% | 5,351 |
| Cost of funding earning assets | 1.3628% | 48 |
| Net interest margin | 2.1665% | 6,540 |
| Noninterest income to average assets | 0.2609% | 5,275 |
| Noninterest expense to average assets | 1.7369% | 6,300 |
| Loan and lease loss provision to assets | 0.0073% | 3,723 |
| Net operating income to assets | 0.3652% | 5,252 |
| Return on assets (ROA) | 0.3652% | 5,318 |
| Pretax return on assets | 0.5306% | 5,077 |
| Return on Equity (ROE) | 2.9580% | 5,472 |
| Retained earnings to average equity (ytd only) | 2.9580% | 4,330 |
| Net charge-offs to loans | -0.0057% | 4,855 |
| Credit loss provision to net charge-offs | -250.0000% | 5,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3537% | 2,743 |
| Assets per employee ($millions) | 7.0005% | 806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4106% | 6,558 |
| Loan loss allowance to noncurrent loans | 105.1095% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 0.2210% | 5,546 |
| Noncurrent loans to loans | 0.3907% | 4,960 |
| Net loans and leases to total assets | 51.1666% | 4,772 |
| Net loans and leases to deposits | 58.9902% | 4,841 |
| Net loans and leases to core deposits | 65.8859% | 4,494 |
| Total domestic deposits to total assets | 86.7375% | 2,972 |
| Equity capital to assets | 12.5126% | 1,569 |
| Core capital (leverage) ratio | 12.7477% | 1,274 |
| Tier 1 risk-based capital ratio | 27.8844% | 649 |
| Total risk-based capital ratio | 28.3458% | 697 |
| Memoranda: |
| Average total assets | $548,793,000 | 1,230 |
| Average earning assets | $510,126,000 | 1,211 |
| Average equity | $67,749,000 | 1,083 |
| Average total loans | $280,177,500 | 1,529 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3300% | 5,950 |
| Cost of funding earning assets | 1.4573% | 57 |
| Net interest margin | 1.8727% | 6,672 |
| Noninterest income to average assets | 0.2708% | 5,416 |
| Noninterest expense to average assets | 1.6814% | 6,466 |
| Loan and lease loss provision to assets | 0.0062% | 5,000 |
| Net operating income to assets | 0.2224% | 5,770 |
| Return on assets (ROA) | 0.2091% | 5,863 |
| Pretax return on assets | 0.3072% | 5,717 |
| Return on Equity (ROE) | 1.7422% | 5,921 |
| Retained earnings to average equity (ytd only) | 1.7422% | 4,995 |
| Net charge-offs to loans | 0.0348% | 4,749 |
| Credit loss provision to net charge-offs | 38.8889% | 4,067 |
| Earnings coverage of net charge-offs (x) | 20.8222% | 1,520 |
| Efficiency ratio | 83.4701% | 1,692 |
| Assets per employee ($millions) | 7.2572% | 669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4067% | 6,634 |
| Loan loss allowance to noncurrent loans | 121.5812% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 0.1898% | 5,739 |
| Noncurrent loans to loans | 0.3345% | 5,185 |
| Net loans and leases to total assets | 50.5262% | 5,027 |
| Net loans and leases to deposits | 58.4272% | 5,082 |
| Net loans and leases to core deposits | 66.0274% | 4,692 |
| Total domestic deposits to total assets | 86.4771% | 3,008 |
| Equity capital to assets | 12.1793% | 1,696 |
| Core capital (leverage) ratio | 12.5296% | 1,341 |
| Tier 1 risk-based capital ratio | 27.3706% | 648 |
| Total risk-based capital ratio | 27.8213% | 705 |
| Memoranda: |
| Average total assets | $562,818,000 | 1,174 |
| Average earning assets | $523,999,200 | 1,155 |
| Average equity | $67,558,800 | 1,059 |
| Average total loans | $258,725,800 | 1,603 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2563% | 6,123 |
| Cost of funding earning assets | 1.4699% | 56 |
| Net interest margin | 1.7865% | 6,773 |
| Noninterest income to average assets | 0.2671% | 5,539 |
| Noninterest expense to average assets | 1.6135% | 6,544 |
| Loan and lease loss provision to assets | 0.0059% | 4,854 |
| Net operating income to assets | 0.2238% | 5,858 |
| Return on assets (ROA) | 0.2261% | 5,928 |
| Pretax return on assets | 0.3147% | 5,834 |
| Return on Equity (ROE) | 1.8899% | 5,977 |
| Retained earnings to average equity (ytd only) | 1.8899% | 5,187 |
| Net charge-offs to loans | 0.0316% | 4,501 |
| Credit loss provision to net charge-offs | 41.6667% | 3,675 |
| Earnings coverage of net charge-offs (x) | 22.4495% | 1,496 |
| Efficiency ratio | 83.5571% | 1,652 |
| Assets per employee ($millions) | 7.4359% | 604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4248% | 6,707 |
| Loan loss allowance to noncurrent loans | 170.0441% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 0.1490% | 5,994 |
| Noncurrent loans to loans | 0.2498% | 5,602 |
| Net loans and leases to total assets | 48.6710% | 5,281 |
| Net loans and leases to deposits | 55.8286% | 5,386 |
| Net loans and leases to core deposits | 63.1552% | 4,993 |
| Total domestic deposits to total assets | 87.1794% | 2,582 |
| Equity capital to assets | 12.0576% | 1,885 |
| Core capital (leverage) ratio | 12.3510% | 1,492 |
| Tier 1 risk-based capital ratio | 27.4337% | 675 |
| Total risk-based capital ratio | 27.8949% | 719 |
| Memoranda: |
| Average total assets | $565,636,500 | 1,182 |
| Average earning assets | $526,838,250 | 1,163 |
| Average equity | $67,655,000 | 1,063 |
| Average total loans | $253,454,250 | 1,640 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2152% | 6,209 |
| Cost of funding earning assets | 1.4783% | 61 |
| Net interest margin | 1.7369% | 6,826 |
| Noninterest income to average assets | 0.2699% | 5,526 |
| Noninterest expense to average assets | 1.6309% | 6,563 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1885% | 5,934 |
| Return on assets (ROA) | 0.1922% | 6,043 |
| Pretax return on assets | 0.2611% | 5,977 |
| Return on Equity (ROE) | 1.6108% | 6,069 |
| Retained earnings to average equity (ytd only) | 1.6108% | 5,223 |
| Net charge-offs to loans | 0.0421% | 4,089 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,857 |
| Efficiency ratio | 86.4230% | 1,373 |
| Assets per employee ($millions) | 7.4377% | 588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4523% | 6,741 |
| Loan loss allowance to noncurrent loans | 124.8359% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.2854% | 5,626 |
| Noncurrent loans to loans | 0.3623% | 5,369 |
| Net loans and leases to total assets | 45.0151% | 5,635 |
| Net loans and leases to deposits | 51.4419% | 5,737 |
| Net loans and leases to core deposits | 58.2307% | 5,400 |
| Total domestic deposits to total assets | 87.5067% | 2,537 |
| Equity capital to assets | 12.0507% | 1,881 |
| Core capital (leverage) ratio | 12.2681% | 1,469 |
| Tier 1 risk-based capital ratio | 28.3762% | 611 |
| Total risk-based capital ratio | 28.8494% | 644 |
| Memoranda: |
| Average total assets | $568,285,670 | 1,181 |
| Average earning assets | $529,112,000 | 1,156 |
| Average equity | $67,792,000 | 1,065 |
| Average total loans | $247,075,330 | 1,677 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1486% | 6,353 |
| Cost of funding earning assets | 1.4924% | 60 |
| Net interest margin | 1.6563% | 6,917 |
| Noninterest income to average assets | 0.2692% | 5,530 |
| Noninterest expense to average assets | 1.6251% | 6,650 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1418% | 6,064 |
| Return on assets (ROA) | 0.1493% | 6,139 |
| Pretax return on assets | 0.1974% | 6,087 |
| Return on Equity (ROE) | 1.2574% | 6,158 |
| Retained earnings to average equity (ytd only) | 1.2574% | 5,347 |
| Net charge-offs to loans | 0.1178% | 2,721 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 3.7361% | 2,691 |
| Efficiency ratio | 89.6499% | 1,173 |
| Assets per employee ($millions) | 7.5190% | 604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4530% | 6,825 |
| Loan loss allowance to noncurrent loans | 118.2489% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 0.3628% | 5,504 |
| Noncurrent loans to loans | 0.3831% | 5,450 |
| Net loans and leases to total assets | 43.1052% | 5,750 |
| Net loans and leases to deposits | 49.3441% | 5,829 |
| Net loans and leases to core deposits | 55.9801% | 5,524 |
| Total domestic deposits to total assets | 87.3563% | 2,720 |
| Equity capital to assets | 11.9290% | 2,090 |
| Core capital (leverage) ratio | 11.9101% | 1,615 |
| Tier 1 risk-based capital ratio | 27.6803% | 659 |
| Total risk-based capital ratio | 28.1362% | 707 |
| Memoranda: |
| Average total assets | $573,514,500 | 1,183 |
| Average earning assets | $534,457,000 | 1,154 |
| Average equity | $68,077,000 | 1,073 |
| Average total loans | $244,489,000 | 1,697 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3053% | 6,576 |
| Cost of funding earning assets | 1.6807% | 74 |
| Net interest margin | 1.6247% | 6,984 |
| Noninterest income to average assets | 0.3093% | 5,237 |
| Noninterest expense to average assets | 1.6906% | 6,730 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.1591% | 5,868 |
| Return on assets (ROA) | 0.0828% | 6,182 |
| Pretax return on assets | 0.0590% | 6,213 |
| Return on Equity (ROE) | 0.7086% | 6,185 |
| Retained earnings to average equity (ytd only) | 0.7086% | 5,515 |
| Net charge-offs to loans | 0.1114% | 4,558 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 2.9145% | 3,969 |
| Efficiency ratio | 92.5891% | 882 |
| Assets per employee ($millions) | 7.6744% | 579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4939% | 6,842 |
| Loan loss allowance to noncurrent loans | 97.5470% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 0.3440% | 5,653 |
| Noncurrent loans to loans | 0.5063% | 5,267 |
| Net loans and leases to total assets | 41.7561% | 6,028 |
| Net loans and leases to deposits | 47.5481% | 6,138 |
| Net loans and leases to core deposits | 54.1526% | 5,860 |
| Total domestic deposits to total assets | 87.8186% | 2,335 |
| Equity capital to assets | 11.8117% | 2,174 |
| Core capital (leverage) ratio | 11.7891% | 1,672 |
| Tier 1 risk-based capital ratio | 28.1061% | 621 |
| Total risk-based capital ratio | 28.6002% | 655 |
| Memoranda: |
| Average total assets | $579,386,200 | 1,144 |
| Average earning assets | $540,853,600 | 1,119 |
| Average equity | $67,738,800 | 1,037 |
| Average total loans | $241,372,800 | 1,707 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3388% | 6,694 |
| Cost of funding earning assets | 1.7090% | 82 |
| Net interest margin | 1.6298% | 7,099 |
| Noninterest income to average assets | 0.2911% | 5,451 |
| Noninterest expense to average assets | 1.6018% | 6,875 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.1439% | 6,044 |
| Return on assets (ROA) | 0.0749% | 6,307 |
| Pretax return on assets | 0.1094% | 6,259 |
| Return on Equity (ROE) | 0.6423% | 6,320 |
| Retained earnings to average equity (ytd only) | 0.6423% | 5,902 |
| Net charge-offs to loans | 0.1414% | 3,985 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 3.5860% | 3,585 |
| Efficiency ratio | 88.3650% | 1,155 |
| Assets per employee ($millions) | 7.6774% | 544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5001% | 6,954 |
| Loan loss allowance to noncurrent loans | 127.0811% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.3285% | 5,871 |
| Noncurrent loans to loans | 0.3935% | 5,672 |
| Net loans and leases to total assets | 41.1215% | 6,190 |
| Net loans and leases to deposits | 46.9449% | 6,320 |
| Net loans and leases to core deposits | 53.4400% | 6,089 |
| Total domestic deposits to total assets | 87.5954% | 2,296 |
| Equity capital to assets | 11.6310% | 2,614 |
| Core capital (leverage) ratio | 11.6073% | 1,908 |
| Tier 1 risk-based capital ratio | 27.8515% | 669 |
| Total risk-based capital ratio | 28.3474% | 718 |
| Memoranda: |
| Average total assets | $580,337,000 | 1,156 |
| Average earning assets | $541,815,750 | 1,131 |
| Average equity | $67,677,000 | 1,044 |
| Average total loans | $241,332,500 | 1,721 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3876% | 6,737 |
| Cost of funding earning assets | 1.7312% | 89 |
| Net interest margin | 1.6564% | 7,166 |
| Noninterest income to average assets | 0.2914% | 5,471 |
| Noninterest expense to average assets | 1.5844% | 6,945 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2023% | 5,911 |
| Return on assets (ROA) | 0.2023% | 6,093 |
| Pretax return on assets | 0.2527% | 6,054 |
| Return on Equity (ROE) | 1.7334% | 6,120 |
| Retained earnings to average equity (ytd only) | 1.7334% | 5,327 |
| Net charge-offs to loans | 0.1930% | 3,426 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 3.1416% | 3,485 |
| Efficiency ratio | 86.2432% | 1,412 |
| Assets per employee ($millions) | 7.7189% | 530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5117% | 7,015 |
| Loan loss allowance to noncurrent loans | 136.5556% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 0.3256% | 5,945 |
| Noncurrent loans to loans | 0.3747% | 5,791 |
| Net loans and leases to total assets | 40.7316% | 6,292 |
| Net loans and leases to deposits | 46.2873% | 6,416 |
| Net loans and leases to core deposits | 52.5849% | 6,193 |
| Total domestic deposits to total assets | 87.9974% | 2,147 |
| Equity capital to assets | 11.5633% | 2,529 |
| Core capital (leverage) ratio | 11.5379% | 1,876 |
| Tier 1 risk-based capital ratio | 27.7908% | 659 |
| Total risk-based capital ratio | 28.2955% | 712 |
| Memoranda: |
| Average total assets | $579,287,670 | 1,158 |
| Average earning assets | $540,560,000 | 1,135 |
| Average equity | $67,614,330 | 1,039 |
| Average total loans | $241,395,330 | 1,707 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4636% | 6,741 |
| Cost of funding earning assets | 1.7605% | 101 |
| Net interest margin | 1.7031% | 7,217 |
| Noninterest income to average assets | 0.2814% | 5,615 |
| Noninterest expense to average assets | 1.5733% | 7,003 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2272% | 5,897 |
| Return on assets (ROA) | 0.2272% | 6,042 |
| Pretax return on assets | 0.2960% | 5,985 |
| Return on Equity (ROE) | 1.9377% | 6,092 |
| Retained earnings to average equity (ytd only) | 1.9377% | 5,287 |
| Net charge-offs to loans | 0.3851% | 2,151 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.8283% | 3,425 |
| Efficiency ratio | 84.1636% | 1,672 |
| Assets per employee ($millions) | 7.6653% | 565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5133% | 7,055 |
| Loan loss allowance to noncurrent loans | 206.5546% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.2798% | 6,190 |
| Noncurrent loans to loans | 0.2485% | 6,187 |
| Net loans and leases to total assets | 40.8883% | 6,273 |
| Net loans and leases to deposits | 46.6561% | 6,375 |
| Net loans and leases to core deposits | 52.8062% | 6,141 |
| Total domestic deposits to total assets | 87.6376% | 2,567 |
| Equity capital to assets | 11.6087% | 2,343 |
| Core capital (leverage) ratio | 11.5740% | 1,853 |
| Tier 1 risk-based capital ratio | 27.6298% | 674 |
| Total risk-based capital ratio | 28.1334% | 730 |
| Memoranda: |
| Average total assets | $575,611,500 | 1,170 |
| Average earning assets | $536,662,000 | 1,140 |
| Average equity | $67,504,000 | 1,037 |
| Average total loans | $242,004,500 | 1,708 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7738% | 6,757 |
| Cost of funding earning assets | 1.8655% | 170 |
| Net interest margin | 1.9083% | 7,240 |
| Noninterest income to average assets | 0.2672% | 5,606 |
| Noninterest expense to average assets | 1.7459% | 7,016 |
| Loan and lease loss provision to assets | 0.0053% | 6,455 |
| Net operating income to assets | 0.2429% | 5,448 |
| Return on assets (ROA) | 0.2429% | 5,593 |
| Pretax return on assets | 0.2917% | 5,576 |
| Return on Equity (ROE) | 2.0794% | 5,629 |
| Retained earnings to average equity (ytd only) | 2.0794% | 4,732 |
| Net charge-offs to loans | 0.0191% | 6,173 |
| Credit loss provision to net charge-offs | 65.2174% | 5,020 |
| Earnings coverage of net charge-offs (x) | 36.6739% | 722 |
| Efficiency ratio | 85.4632% | 1,624 |
| Assets per employee ($millions) | 7.1982% | 656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4996% | 7,106 |
| Loan loss allowance to noncurrent loans | 118.6408% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.3325% | 6,140 |
| Noncurrent loans to loans | 0.4211% | 5,867 |
| Net loans and leases to total assets | 42.7950% | 6,317 |
| Net loans and leases to deposits | 48.7729% | 6,443 |
| Net loans and leases to core deposits | 55.4291% | 6,198 |
| Total domestic deposits to total assets | 87.7432% | 2,314 |
| Equity capital to assets | 11.8489% | 2,240 |
| Core capital (leverage) ratio | 11.8075% | 1,706 |
| Tier 1 risk-based capital ratio | 27.8234% | 637 |
| Total risk-based capital ratio | 28.3301% | 677 |
| Memoranda: |
| Average total assets | $568,059,200 | 1,162 |
| Average earning assets | $528,589,600 | 1,129 |
| Average equity | $66,366,200 | 1,016 |
| Average total loans | $240,647,400 | 1,743 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8294% | 6,805 |
| Cost of funding earning assets | 1.8791% | 191 |
| Net interest margin | 1.9503% | 7,308 |
| Noninterest income to average assets | 0.2580% | 5,773 |
| Noninterest expense to average assets | 1.7268% | 7,069 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.2510% | 5,565 |
| Return on assets (ROA) | 0.2510% | 5,710 |
| Pretax return on assets | 0.3454% | 5,612 |
| Return on Equity (ROE) | 2.1559% | 5,721 |
| Retained earnings to average equity (ytd only) | 2.1559% | 5,050 |
| Net charge-offs to loans | 0.0167% | 5,920 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 49.0320% | 657 |
| Efficiency ratio | 83.3333% | 1,816 |
| Assets per employee ($millions) | 7.2267% | 658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4869% | 7,172 |
| Loan loss allowance to noncurrent loans | 113.0268% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.3375% | 6,226 |
| Noncurrent loans to loans | 0.4308% | 5,981 |
| Net loans and leases to total assets | 42.2413% | 6,487 |
| Net loans and leases to deposits | 48.2763% | 6,610 |
| Net loans and leases to core deposits | 54.4784% | 6,426 |
| Total domestic deposits to total assets | 87.4991% | 2,355 |
| Equity capital to assets | 11.7707% | 2,436 |
| Core capital (leverage) ratio | 11.7123% | 1,880 |
| Tier 1 risk-based capital ratio | 28.0190% | 657 |
| Total risk-based capital ratio | 28.5140% | 701 |
| Memoranda: |
| Average total assets | $567,909,500 | 1,174 |
| Average earning assets | $528,247,000 | 1,139 |
| Average equity | $66,112,750 | 1,025 |
| Average total loans | $239,664,500 | 1,761 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8566% | 6,862 |
| Cost of funding earning assets | 1.8973% | 207 |
| Net interest margin | 1.9592% | 7,376 |
| Noninterest income to average assets | 0.2526% | 5,841 |
| Noninterest expense to average assets | 1.7707% | 7,110 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2184% | 5,673 |
| Return on assets (ROA) | 0.2184% | 5,789 |
| Pretax return on assets | 0.3023% | 5,665 |
| Return on Equity (ROE) | 1.8829% | 5,828 |
| Retained earnings to average equity (ytd only) | 1.8829% | 5,037 |
| Net charge-offs to loans | 0.0260% | 5,460 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 27.6452% | 984 |
| Efficiency ratio | 85.4152% | 1,661 |
| Assets per employee ($millions) | 7.1480% | 677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4840% | 7,242 |
| Loan loss allowance to noncurrent loans | 153.3766% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.2927% | 6,403 |
| Noncurrent loans to loans | 0.3156% | 6,285 |
| Net loans and leases to total assets | 43.0013% | 6,522 |
| Net loans and leases to deposits | 48.8754% | 6,673 |
| Net loans and leases to core deposits | 54.9477% | 6,497 |
| Total domestic deposits to total assets | 87.9816% | 2,148 |
| Equity capital to assets | 11.6697% | 2,351 |
| Core capital (leverage) ratio | 11.6042% | 1,841 |
| Tier 1 risk-based capital ratio | 27.4517% | 700 |
| Total risk-based capital ratio | 27.9471% | 731 |
| Memoranda: |
| Average total assets | $566,909,330 | 1,181 |
| Average earning assets | $526,739,330 | 1,156 |
| Average equity | $65,750,330 | 1,024 |
| Average total loans | $238,772,670 | 1,787 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8017% | 6,950 |
| Cost of funding earning assets | 1.9153% | 235 |
| Net interest margin | 1.8865% | 7,432 |
| Noninterest income to average assets | 0.2662% | 5,768 |
| Noninterest expense to average assets | 1.8098% | 7,124 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1528% | 5,936 |
| Return on assets (ROA) | 0.1528% | 5,992 |
| Pretax return on assets | 0.2099% | 5,916 |
| Return on Equity (ROE) | 1.3216% | 6,045 |
| Retained earnings to average equity (ytd only) | 1.3216% | 5,300 |
| Net charge-offs to loans | 0.0186% | 4,818 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 27.0909% | 909 |
| Efficiency ratio | 89.6095% | 1,367 |
| Assets per employee ($millions) | 7.1526% | 684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5036% | 7,275 |
| Loan loss allowance to noncurrent loans | 140.3037% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.3039% | 6,439 |
| Noncurrent loans to loans | 0.3589% | 6,272 |
| Net loans and leases to total assets | 41.4678% | 6,676 |
| Net loans and leases to deposits | 47.1992% | 6,783 |
| Net loans and leases to core deposits | 53.2168% | 6,606 |
| Total domestic deposits to total assets | 87.8571% | 2,457 |
| Equity capital to assets | 11.4904% | 2,281 |
| Core capital (leverage) ratio | 11.5181% | 1,837 |
| Tier 1 risk-based capital ratio | 27.7784% | 651 |
| Total risk-based capital ratio | 28.2844% | 685 |
| Memoranda: |
| Average total assets | $568,017,000 | 1,185 |
| Average earning assets | $527,967,500 | 1,158 |
| Average equity | $65,676,500 | 1,014 |
| Average total loans | $236,155,500 | 1,820 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0403% | 7,102 |
| Cost of funding earning assets | 2.0872% | 449 |
| Net interest margin | 1.9531% | 7,468 |
| Noninterest income to average assets | 0.2603% | 5,933 |
| Noninterest expense to average assets | 1.8309% | 7,233 |
| Loan and lease loss provision to assets | 0.0201% | 6,912 |
| Net operating income to assets | 0.1800% | 5,336 |
| Return on assets (ROA) | 0.1800% | 5,506 |
| Pretax return on assets | 0.2210% | 5,438 |
| Return on Equity (ROE) | 1.4983% | 5,560 |
| Retained earnings to average equity (ytd only) | 1.4983% | 4,781 |
| Net charge-offs to loans | 0.0697% | 6,103 |
| Credit loss provision to net charge-offs | 67.4847% | 5,921 |
| Earnings coverage of net charge-offs (x) | 8.0859% | 2,017 |
| Efficiency ratio | 88.3620% | 1,449 |
| Assets per employee ($millions) | 6.9608% | 755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5350% | 7,328 |
| Loan loss allowance to noncurrent loans | 144.2907% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 0.2799% | 6,548 |
| Noncurrent loans to loans | 0.3708% | 6,312 |
| Net loans and leases to total assets | 41.2498% | 6,888 |
| Net loans and leases to deposits | 46.8577% | 7,005 |
| Net loans and leases to core deposits | 52.6170% | 6,874 |
| Total domestic deposits to total assets | 88.0319% | 2,230 |
| Equity capital to assets | 11.6355% | 2,167 |
| Core capital (leverage) ratio | 11.6174% | 1,769 |
| Tier 1 risk-based capital ratio | 27.9263% | 613 |
| Total risk-based capital ratio | 28.4599% | 653 |
| Memoranda: |
| Average total assets | $546,572,400 | 1,224 |
| Average earning assets | $506,998,200 | 1,212 |
| Average equity | $65,672,600 | 1,020 |
| Average total loans | $233,771,800 | 1,867 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1775% | 7,123 |
| Cost of funding earning assets | 2.1093% | 521 |
| Net interest margin | 2.0682% | 7,558 |
| Noninterest income to average assets | 0.2476% | 6,122 |
| Noninterest expense to average assets | 1.7821% | 7,347 |
| Loan and lease loss provision to assets | 0.0270% | 6,798 |
| Net operating income to assets | 0.2621% | 5,309 |
| Return on assets (ROA) | 0.2621% | 5,465 |
| Pretax return on assets | 0.3555% | 5,353 |
| Return on Equity (ROE) | 2.1637% | 5,548 |
| Retained earnings to average equity (ytd only) | 2.1637% | 4,876 |
| Net charge-offs to loans | 0.0907% | 5,616 |
| Credit loss provision to net charge-offs | 69.1824% | 5,442 |
| Earnings coverage of net charge-offs (x) | 9.7864% | 1,963 |
| Efficiency ratio | 82.3262% | 2,028 |
| Assets per employee ($millions) | 6.8636% | 815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5385% | 7,419 |
| Loan loss allowance to noncurrent loans | 176.7606% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.2556% | 6,727 |
| Noncurrent loans to loans | 0.3046% | 6,581 |
| Net loans and leases to total assets | 41.6949% | 6,995 |
| Net loans and leases to deposits | 47.7214% | 7,098 |
| Net loans and leases to core deposits | 53.2555% | 6,997 |
| Total domestic deposits to total assets | 87.3715% | 2,334 |
| Equity capital to assets | 11.9342% | 2,201 |
| Core capital (leverage) ratio | 11.8516% | 1,737 |
| Tier 1 risk-based capital ratio | 28.4622% | 600 |
| Total risk-based capital ratio | 29.0051% | 629 |
| Memoranda: |
| Average total assets | $542,259,500 | 1,253 |
| Average earning assets | $502,642,500 | 1,237 |
| Average equity | $65,689,750 | 1,017 |
| Average total loans | $233,758,000 | 1,894 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3124% | 7,029 |
| Cost of funding earning assets | 2.1267% | 603 |
| Net interest margin | 2.1858% | 7,591 |
| Noninterest income to average assets | 0.2444% | 6,162 |
| Noninterest expense to average assets | 1.7958% | 7,390 |
| Loan and lease loss provision to assets | 0.0335% | 6,618 |
| Net operating income to assets | 0.3180% | 5,107 |
| Return on assets (ROA) | 0.3180% | 5,273 |
| Pretax return on assets | 0.4378% | 5,102 |
| Return on Equity (ROE) | 2.6119% | 5,408 |
| Retained earnings to average equity (ytd only) | 2.6119% | 4,476 |
| Net charge-offs to loans | 0.0974% | 5,171 |
| Credit loss provision to net charge-offs | 78.9474% | 4,733 |
| Earnings coverage of net charge-offs (x) | 11.1140% | 1,800 |
| Efficiency ratio | 79.2125% | 2,541 |
| Assets per employee ($millions) | 6.8323% | 826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5472% | 7,470 |
| Loan loss allowance to noncurrent loans | 132.7801% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.3135% | 6,631 |
| Noncurrent loans to loans | 0.4121% | 6,421 |
| Net loans and leases to total assets | 42.0403% | 7,042 |
| Net loans and leases to deposits | 47.9483% | 7,163 |
| Net loans and leases to core deposits | 53.2819% | 7,069 |
| Total domestic deposits to total assets | 87.6784% | 2,170 |
| Equity capital to assets | 11.9579% | 2,123 |
| Core capital (leverage) ratio | 11.8661% | 1,722 |
| Tier 1 risk-based capital ratio | 28.2732% | 607 |
| Total risk-based capital ratio | 28.8253% | 641 |
| Memoranda: |
| Average total assets | $537,696,670 | 1,268 |
| Average earning assets | $497,583,000 | 1,258 |
| Average equity | $65,470,330 | 1,017 |
| Average total loans | $233,991,670 | 1,915 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2518% | 7,204 |
| Cost of funding earning assets | 2.1345% | 727 |
| Net interest margin | 2.1173% | 7,685 |
| Noninterest income to average assets | 0.2544% | 6,112 |
| Noninterest expense to average assets | 1.8738% | 7,375 |
| Loan and lease loss provision to assets | 0.0453% | 6,218 |
| Net operating income to assets | 0.2220% | 5,609 |
| Return on assets (ROA) | 0.2220% | 5,728 |
| Pretax return on assets | 0.2922% | 5,623 |
| Return on Equity (ROE) | 1.8060% | 5,833 |
| Retained earnings to average equity (ytd only) | 1.8060% | 5,031 |
| Net charge-offs to loans | 0.1743% | 3,879 |
| Credit loss provision to net charge-offs | 58.8235% | 4,319 |
| Earnings coverage of net charge-offs (x) | 4.3824% | 2,639 |
| Efficiency ratio | 84.7388% | 1,942 |
| Assets per employee ($millions) | 6.6726% | 919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5244% | 7,570 |
| Loan loss allowance to noncurrent loans | 59.9608% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 0.5075% | 6,224 |
| Noncurrent loans to loans | 0.8746% | 5,564 |
| Net loans and leases to total assets | 42.4706% | 7,097 |
| Net loans and leases to deposits | 48.5951% | 7,204 |
| Net loans and leases to core deposits | 53.7350% | 7,120 |
| Total domestic deposits to total assets | 87.3968% | 2,415 |
| Equity capital to assets | 11.9241% | 2,087 |
| Core capital (leverage) ratio | 11.8844% | 1,699 |
| Tier 1 risk-based capital ratio | 27.9528% | 642 |
| Total risk-based capital ratio | 28.4798% | 679 |
| Memoranda: |
| Average total assets | $529,836,500 | 1,315 |
| Average earning assets | $489,676,500 | 1,301 |
| Average equity | $65,117,000 | 1,027 |
| Average total loans | $234,018,500 | 1,967 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7836% | 6,981 |
| Cost of funding earning assets | 2.4416% | 1,182 |
| Net interest margin | 2.3420% | 7,551 |
| Noninterest income to average assets | 0.2949% | 6,004 |
| Noninterest expense to average assets | 2.0663% | 7,251 |
| Loan and lease loss provision to assets | 0.0378% | 7,168 |
| Net operating income to assets | 0.2521% | 4,716 |
| Return on assets (ROA) | 0.2521% | 4,797 |
| Pretax return on assets | 0.3473% | 4,649 |
| Return on Equity (ROE) | 1.8666% | 4,958 |
| Retained earnings to average equity (ytd only) | 1.8666% | 3,789 |
| Net charge-offs to loans | 0.2021% | 5,374 |
| Credit loss provision to net charge-offs | 38.1356% | 6,845 |
| Earnings coverage of net charge-offs (x) | 3.8898% | 3,152 |
| Efficiency ratio | 84.2902% | 2,315 |
| Assets per employee ($millions) | 6.3274% | 1,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5409% | 7,630 |
| Loan loss allowance to noncurrent loans | 48.1763% | 5,173 |
| Noncurrent assets plus other real estate owned to assets | 0.6568% | 5,819 |
| Noncurrent loans to loans | 1.1227% | 5,087 |
| Net loans and leases to total assets | 45.4938% | 7,023 |
| Net loans and leases to deposits | 52.3231% | 7,139 |
| Net loans and leases to core deposits | 72.2820% | 6,642 |
| Total domestic deposits to total assets | 86.9478% | 2,543 |
| Equity capital to assets | 12.6807% | 1,655 |
| Core capital (leverage) ratio | 12.6330% | 1,390 |
| Tier 1 risk-based capital ratio | 28.6208% | 602 |
| Total risk-based capital ratio | 29.1818% | 632 |
| Memoranda: |
| Average total assets | $476,755,000 | 1,454 |
| Average earning assets | $438,982,600 | 1,441 |
| Average equity | $64,394,800 | 1,026 |
| Average total loans | $233,557,800 | 2,004 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8547% | 7,000 |
| Cost of funding earning assets | 2.4945% | 1,322 |
| Net interest margin | 2.3601% | 7,592 |
| Noninterest income to average assets | 0.2961% | 6,106 |
| Noninterest expense to average assets | 1.9942% | 7,399 |
| Loan and lease loss provision to assets | 0.0342% | 7,014 |
| Net operating income to assets | 0.3269% | 4,692 |
| Return on assets (ROA) | 0.3269% | 4,797 |
| Pretax return on assets | 0.4403% | 4,691 |
| Return on Equity (ROE) | 2.3804% | 5,037 |
| Retained earnings to average equity (ytd only) | 2.3804% | 3,995 |
| Net charge-offs to loans | 0.2714% | 4,344 |
| Credit loss provision to net charge-offs | 25.2632% | 6,533 |
| Earnings coverage of net charge-offs (x) | 3.5052% | 3,503 |
| Efficiency ratio | 80.7781% | 2,736 |
| Assets per employee ($millions) | 6.2762% | 1,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5143% | 7,696 |
| Loan loss allowance to noncurrent loans | 46.7754% | 5,195 |
| Noncurrent assets plus other real estate owned to assets | 0.6784% | 5,790 |
| Noncurrent loans to loans | 1.0996% | 5,116 |
| Net loans and leases to total assets | 45.8101% | 7,124 |
| Net loans and leases to deposits | 52.9539% | 7,263 |
| Net loans and leases to core deposits | 72.3395% | 6,825 |
| Total domestic deposits to total assets | 86.5094% | 2,421 |
| Equity capital to assets | 12.7707% | 1,798 |
| Core capital (leverage) ratio | 12.7256% | 1,488 |
| Tier 1 risk-based capital ratio | 28.8497% | 629 |
| Total risk-based capital ratio | 29.3871% | 665 |
| Memoranda: |
| Average total assets | $467,813,750 | 1,492 |
| Average earning assets | $430,640,500 | 1,483 |
| Average equity | $64,245,750 | 1,046 |
| Average total loans | $233,339,000 | 2,032 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9708% | 6,869 |
| Cost of funding earning assets | 2.5728% | 1,368 |
| Net interest margin | 2.3980% | 7,576 |
| Noninterest income to average assets | 0.2950% | 6,147 |
| Noninterest expense to average assets | 2.0414% | 7,392 |
| Loan and lease loss provision to assets | 0.0264% | 6,978 |
| Net operating income to assets | 0.3214% | 4,805 |
| Return on assets (ROA) | 0.3214% | 4,919 |
| Pretax return on assets | 0.4310% | 4,844 |
| Return on Equity (ROE) | 2.2805% | 5,188 |
| Retained earnings to average equity (ytd only) | 2.2805% | 4,066 |
| Net charge-offs to loans | 0.4016% | 3,190 |
| Credit loss provision to net charge-offs | 12.8205% | 6,173 |
| Earnings coverage of net charge-offs (x) | 2.2201% | 3,956 |
| Efficiency ratio | 81.6949% | 2,763 |
| Assets per employee ($millions) | 5.9273% | 1,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5044% | 7,781 |
| Loan loss allowance to noncurrent loans | 48.5040% | 5,114 |
| Noncurrent assets plus other real estate owned to assets | 0.6723% | 5,731 |
| Noncurrent loans to loans | 1.0398% | 5,138 |
| Net loans and leases to total assets | 47.8846% | 7,045 |
| Net loans and leases to deposits | 55.6712% | 7,183 |
| Net loans and leases to core deposits | 76.3534% | 6,649 |
| Total domestic deposits to total assets | 86.0131% | 2,788 |
| Equity capital to assets | 13.5598% | 1,474 |
| Core capital (leverage) ratio | 13.5293% | 1,263 |
| Tier 1 risk-based capital ratio | 30.0481% | 604 |
| Total risk-based capital ratio | 30.5875% | 624 |
| Memoranda: |
| Average total assets | $454,293,330 | 1,554 |
| Average earning assets | $417,520,670 | 1,553 |
| Average equity | $64,020,000 | 1,061 |
| Average total loans | $233,088,330 | 2,062 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1689% | 6,418 |
| Cost of funding earning assets | 2.6703% | 1,345 |
| Net interest margin | 2.4986% | 7,504 |
| Noninterest income to average assets | 0.2908% | 6,111 |
| Noninterest expense to average assets | 2.0092% | 7,329 |
| Loan and lease loss provision to assets | 0.0270% | 6,586 |
| Net operating income to assets | 0.3970% | 4,871 |
| Return on assets (ROA) | 0.3970% | 5,050 |
| Pretax return on assets | 0.5473% | 4,927 |
| Return on Equity (ROE) | 2.7614% | 5,465 |
| Retained earnings to average equity (ytd only) | 2.7614% | 4,340 |
| Net charge-offs to loans | 0.0119% | 5,446 |
| Credit loss provision to net charge-offs | 428.5714% | 1,228 |
| Earnings coverage of net charge-offs (x) | 91.1429% | 470 |
| Efficiency ratio | 77.7700% | 3,206 |
| Assets per employee ($millions) | 5.6867% | 1,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6740% | 7,518 |
| Loan loss allowance to noncurrent loans | 57.7372% | 4,737 |
| Noncurrent assets plus other real estate owned to assets | 0.7504% | 5,284 |
| Noncurrent loans to loans | 1.1674% | 4,651 |
| Net loans and leases to total assets | 51.2450% | 6,752 |
| Net loans and leases to deposits | 60.2260% | 6,879 |
| Net loans and leases to core deposits | 82.3227% | 6,210 |
| Total domestic deposits to total assets | 85.0878% | 3,156 |
| Equity capital to assets | 14.0936% | 1,334 |
| Core capital (leverage) ratio | 14.1418% | 1,157 |
| Tier 1 risk-based capital ratio | 30.8960% | 586 |
| Total risk-based capital ratio | 31.6551% | 593 |
| Memoranda: |
| Average total assets | $444,350,000 | 1,600 |
| Average earning assets | $407,742,500 | 1,597 |
| Average equity | $63,881,000 | 1,066 |
| Average total loans | $235,527,500 | 2,056 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4719% | 7,359 |
| Cost of funding earning assets | 2.9412% | 2,093 |
| Net interest margin | 2.5307% | 7,719 |
| Noninterest income to average assets | 0.3135% | 6,207 |
| Noninterest expense to average assets | 2.1797% | 7,017 |
| Loan and lease loss provision to assets | 0.2553% | 4,361 |
| Net operating income to assets | 0.1106% | 6,083 |
| Return on assets (ROA) | 0.1106% | 5,920 |
| Pretax return on assets | 0.1973% | 5,739 |
| Return on Equity (ROE) | 0.6999% | 6,011 |
| Retained earnings to average equity (ytd only) | 0.6999% | 4,812 |
| Net charge-offs to loans | 0.0071% | 6,858 |
| Credit loss provision to net charge-offs | 6,926.6667% | 78 |
| Earnings coverage of net charge-offs (x) | 122.8000% | 368 |
| Efficiency ratio | 82.8059% | 2,205 |
| Assets per employee ($millions) | 5.3551% | 1,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6596% | 7,530 |
| Loan loss allowance to noncurrent loans | 56.1802% | 5,167 |
| Noncurrent assets plus other real estate owned to assets | 0.7951% | 4,867 |
| Noncurrent loans to loans | 1.1742% | 4,175 |
| Net loans and leases to total assets | 54.1267% | 6,638 |
| Net loans and leases to deposits | 63.7613% | 6,823 |
| Net loans and leases to core deposits | 87.0546% | 6,059 |
| Total domestic deposits to total assets | 84.8895% | 2,893 |
| Equity capital to assets | 14.6727% | 1,258 |
| Core capital (leverage) ratio | 14.6181% | 1,118 |
| Tier 1 risk-based capital ratio | 31.1036% | 583 |
| Total risk-based capital ratio | 31.8692% | 598 |
| Memoranda: |
| Average total assets | $406,975,000 | 1,671 |
| Average earning assets | $372,903,800 | 1,669 |
| Average equity | $64,291,800 | 1,038 |
| Average total loans | $212,698,400 | 2,186 |
