| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0144% | 2,042 |
| Cost of funding earning assets | 2.1882% | 652 |
| Net interest margin | 2.8261% | 3,609 |
| Noninterest income to average assets | 1.0600% | 582 |
| Noninterest expense to average assets | 3.3388% | 708 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.2081% | 4,158 |
| Return on assets (ROA) | 0.2110% | 4,166 |
| Pretax return on assets | 0.4375% | 3,911 |
| Return on Equity (ROE) | 2.2400% | 4,125 |
| Retained earnings to average equity (ytd only) | 2.2411% | 3,520 |
| Net charge-offs to loans | -0.0076% | 3,943 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 88.6940% | 460 |
| Assets per employee ($millions) | 4.6160% | 3,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2494% | 2,022 |
| Loan loss allowance to noncurrent loans | 255.5245% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.4013% | 1,381 |
| Noncurrent loans to loans | 0.4889% | 1,564 |
| Net loans and leases to total assets | 81.0500% | 525 |
| Net loans and leases to deposits | 98.0854% | 650 |
| Net loans and leases to core deposits | 117.9053% | 691 |
| Total domestic deposits to total assets | 82.6300% | 2,978 |
| Equity capital to assets | 8.8018% | 2,826 |
| Core capital (leverage) ratio | 8.7564% | 3,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0408% | 2,571 |
| Memoranda: |
| Average total assets | $818,556,400 | 1,160 |
| Average earning assets | $782,871,400 | 1,125 |
| Average equity | $77,059,000 | 1,162 |
| Average total loans | $659,678,000 | 1,015 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8564% | 2,154 |
| Cost of funding earning assets | 1.9285% | 820 |
| Net interest margin | 2.9279% | 3,486 |
| Noninterest income to average assets | 1.1700% | 511 |
| Noninterest expense to average assets | 3.4662% | 574 |
| Loan and lease loss provision to assets | -0.0400% | 4,449 |
| Net operating income to assets | 0.4103% | 3,949 |
| Return on assets (ROA) | 0.4016% | 3,956 |
| Pretax return on assets | 0.5263% | 3,864 |
| Return on Equity (ROE) | 4.1900% | 3,951 |
| Retained earnings to average equity (ytd only) | 4.1900% | 3,208 |
| Net charge-offs to loans | -0.0123% | 3,986 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 87.3325% | 465 |
| Assets per employee ($millions) | 4.3528% | 4,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2719% | 2,002 |
| Loan loss allowance to noncurrent loans | 262.5770% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.3933% | 1,467 |
| Noncurrent loans to loans | 0.4844% | 1,614 |
| Net loans and leases to total assets | 80.1600% | 623 |
| Net loans and leases to deposits | 106.3909% | 284 |
| Net loans and leases to core deposits | 123.1791% | 481 |
| Total domestic deposits to total assets | 75.3500% | 4,069 |
| Equity capital to assets | 8.8413% | 2,511 |
| Core capital (leverage) ratio | 9.0518% | 3,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3067% | 2,511 |
| Memoranda: |
| Average total assets | $800,471,750 | 1,184 |
| Average earning assets | $764,715,000 | 1,150 |
| Average equity | $76,720,000 | 1,160 |
| Average total loans | $641,802,750 | 1,033 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7483% | 2,109 |
| Cost of funding earning assets | 1.6139% | 1,029 |
| Net interest margin | 3.1345% | 3,142 |
| Noninterest income to average assets | 1.2000% | 439 |
| Noninterest expense to average assets | 3.5823% | 485 |
| Loan and lease loss provision to assets | -0.0200% | 4,411 |
| Net operating income to assets | 0.4686% | 3,876 |
| Return on assets (ROA) | 0.4686% | 3,879 |
| Pretax return on assets | 0.6314% | 3,739 |
| Return on Equity (ROE) | 4.7500% | 3,914 |
| Retained earnings to average equity (ytd only) | 4.7522% | 3,010 |
| Net charge-offs to loans | -0.0155% | 4,054 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 85.3956% | 523 |
| Assets per employee ($millions) | 3.9384% | 4,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3583% | 1,675 |
| Loan loss allowance to noncurrent loans | 4,071.4932% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.0272% | 3,516 |
| Noncurrent loans to loans | 0.0334% | 3,501 |
| Net loans and leases to total assets | 80.5400% | 577 |
| Net loans and leases to deposits | 104.9552% | 336 |
| Net loans and leases to core deposits | 116.2875% | 618 |
| Total domestic deposits to total assets | 76.7400% | 3,981 |
| Equity capital to assets | 9.4951% | 2,162 |
| Core capital (leverage) ratio | 9.5428% | 3,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8873% | 2,338 |
| Memoranda: |
| Average total assets | $778,556,667 | 1,200 |
| Average earning assets | $743,925,667 | 1,171 |
| Average equity | $76,765,000 | 1,153 |
| Average total loans | $621,290,333 | 1,048 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6641% | 1,940 |
| Cost of funding earning assets | 1.3643% | 1,107 |
| Net interest margin | 3.2998% | 2,873 |
| Noninterest income to average assets | 0.7100% | 1,070 |
| Noninterest expense to average assets | 3.4884% | 546 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.2184% | 4,338 |
| Return on assets (ROA) | 0.2325% | 4,287 |
| Pretax return on assets | 0.3091% | 4,256 |
| Return on Equity (ROE) | 2.3100% | 4,262 |
| Retained earnings to average equity (ytd only) | 2.3124% | 3,648 |
| Net charge-offs to loans | -0.0153% | 4,002 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 90.2187% | 351 |
| Assets per employee ($millions) | 3.8578% | 4,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4845% | 1,324 |
| Loan loss allowance to noncurrent loans | 1,891.3580% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.0624% | 3,163 |
| Noncurrent loans to loans | 0.0785% | 3,177 |
| Net loans and leases to total assets | 78.2800% | 737 |
| Net loans and leases to deposits | 95.1591% | 708 |
| Net loans and leases to core deposits | 103.0399% | 965 |
| Total domestic deposits to total assets | 82.2600% | 3,442 |
| Equity capital to assets | 9.8461% | 1,904 |
| Core capital (leverage) ratio | 9.6618% | 3,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3821% | 2,228 |
| Memoranda: |
| Average total assets | $762,182,500 | 1,235 |
| Average earning assets | $727,685,500 | 1,204 |
| Average equity | $76,630,500 | 1,164 |
| Average total loans | $600,722,000 | 1,092 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8174% | 2,227 |
| Cost of funding earning assets | 0.4180% | 1,957 |
| Net interest margin | 3.3995% | 2,260 |
| Noninterest income to average assets | 0.7600% | 1,100 |
| Noninterest expense to average assets | 3.2828% | 645 |
| Loan and lease loss provision to assets | -0.1200% | 4,559 |
| Net operating income to assets | 0.6276% | 3,811 |
| Return on assets (ROA) | 0.5983% | 3,841 |
| Pretax return on assets | 0.7993% | 3,625 |
| Return on Equity (ROE) | 5.8200% | 3,862 |
| Retained earnings to average equity (ytd only) | 5.8216% | 2,712 |
| Net charge-offs to loans | -0.0776% | 4,460 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 81.9704% | 597 |
| Assets per employee ($millions) | 3.9422% | 4,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3544% | 1,665 |
| Loan loss allowance to noncurrent loans | 808.8205% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.1309% | 2,600 |
| Noncurrent loans to loans | 0.1675% | 2,644 |
| Net loans and leases to total assets | 77.0800% | 887 |
| Net loans and leases to deposits | 90.0268% | 1,052 |
| Net loans and leases to core deposits | 98.1486% | 1,094 |
| Total domestic deposits to total assets | 85.6200% | 2,827 |
| Equity capital to assets | 10.2716% | 1,571 |
| Core capital (leverage) ratio | 9.8143% | 2,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1522% | 1,920 |
| Memoranda: |
| Average total assets | $752,137,200 | 1,242 |
| Average earning assets | $717,290,400 | 1,205 |
| Average equity | $77,298,800 | 1,159 |
| Average total loans | $560,419,200 | 1,088 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6268% | 2,266 |
| Cost of funding earning assets | 0.2697% | 2,493 |
| Net interest margin | 3.3571% | 2,114 |
| Noninterest income to average assets | 0.8700% | 884 |
| Noninterest expense to average assets | 3.2819% | 610 |
| Loan and lease loss provision to assets | -0.0400% | 4,466 |
| Net operating income to assets | 0.6315% | 3,743 |
| Return on assets (ROA) | 0.5919% | 3,812 |
| Pretax return on assets | 0.7824% | 3,627 |
| Return on Equity (ROE) | 5.7600% | 3,840 |
| Retained earnings to average equity (ytd only) | 5.7588% | 2,834 |
| Net charge-offs to loans | 0.0099% | 1,759 |
| Credit loss provision to net charge-offs | -597.5610% | 4,704 |
| Earnings coverage of net charge-offs (x) | 108.8293% | 907 |
| Efficiency ratio | 80.5422% | 742 |
| Assets per employee ($millions) | 4.5482% | 4,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4097% | 1,580 |
| Loan loss allowance to noncurrent loans | 1,005.2434% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.1061% | 2,909 |
| Noncurrent loans to loans | 0.1402% | 2,928 |
| Net loans and leases to total assets | 74.5900% | 1,050 |
| Net loans and leases to deposits | 87.0199% | 1,101 |
| Net loans and leases to core deposits | 93.9064% | 1,102 |
| Total domestic deposits to total assets | 85.7100% | 3,133 |
| Equity capital to assets | 9.9760% | 1,640 |
| Core capital (leverage) ratio | 9.5753% | 2,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9661% | 2,062 |
| Memoranda: |
| Average total assets | $753,901,000 | 1,247 |
| Average earning assets | $719,180,500 | 1,208 |
| Average equity | $77,490,500 | 1,175 |
| Average total loans | $554,966,500 | 1,089 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4261% | 2,356 |
| Cost of funding earning assets | 0.2095% | 2,797 |
| Net interest margin | 3.2166% | 2,137 |
| Noninterest income to average assets | 0.9340% | 780 |
| Noninterest expense to average assets | 3.2856% | 559 |
| Loan and lease loss provision to assets | -0.0741% | 4,560 |
| Net operating income to assets | 0.6025% | 3,620 |
| Return on assets (ROA) | 0.5627% | 3,675 |
| Pretax return on assets | 0.7413% | 3,476 |
| Return on Equity (ROE) | 5.4210% | 3,726 |
| Retained earnings to average equity (ytd only) | 5.4210% | 2,546 |
| Net charge-offs to loans | 0.0211% | 1,309 |
| Credit loss provision to net charge-offs | -481.0345% | 3,371 |
| Earnings coverage of net charge-offs (x) | 46.6207% | 1,191 |
| Efficiency ratio | 81.9996% | 799 |
| Assets per employee ($millions) | 4.8203% | 3,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4376% | 1,606 |
| Loan loss allowance to noncurrent loans | 670.1005% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.1558% | 2,616 |
| Noncurrent loans to loans | 0.2145% | 2,650 |
| Net loans and leases to total assets | 71.5725% | 1,154 |
| Net loans and leases to deposits | 83.6157% | 1,146 |
| Net loans and leases to core deposits | 89.4169% | 1,154 |
| Total domestic deposits to total assets | 85.5969% | 3,352 |
| Equity capital to assets | 10.0624% | 1,683 |
| Core capital (leverage) ratio | 9.6004% | 2,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2899% | 1,941 |
| Memoranda: |
| Average total assets | $753,536,333 | 1,248 |
| Average earning assets | $719,018,333 | 1,221 |
| Average equity | $78,214,667 | 1,192 |
| Average total loans | $549,565,000 | 1,091 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3070% | 2,369 |
| Cost of funding earning assets | 0.2003% | 2,798 |
| Net interest margin | 3.1066% | 2,152 |
| Noninterest income to average assets | 0.9637% | 734 |
| Noninterest expense to average assets | 3.2869% | 543 |
| Loan and lease loss provision to assets | -0.1719% | 4,668 |
| Net operating income to assets | 0.6021% | 3,386 |
| Return on assets (ROA) | 0.5547% | 3,516 |
| Pretax return on assets | 0.7528% | 3,246 |
| Return on Equity (ROE) | 5.2614% | 3,551 |
| Retained earnings to average equity (ytd only) | 5.2614% | 2,492 |
| Net charge-offs to loans | 0.0125% | 1,311 |
| Credit loss provision to net charge-offs | -1,888.2353% | 3,381 |
| Earnings coverage of net charge-offs (x) | 70.4118% | 790 |
| Efficiency ratio | 83.6014% | 879 |
| Assets per employee ($millions) | 4.3996% | 4,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4853% | 1,597 |
| Loan loss allowance to noncurrent loans | 1,139.6011% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.0928% | 3,159 |
| Noncurrent loans to loans | 0.1303% | 3,160 |
| Net loans and leases to total assets | 70.1216% | 1,010 |
| Net loans and leases to deposits | 82.1145% | 1,002 |
| Net loans and leases to core deposits | 87.3086% | 1,062 |
| Total domestic deposits to total assets | 85.3949% | 3,440 |
| Equity capital to assets | 10.2897% | 1,691 |
| Core capital (leverage) ratio | 9.6405% | 2,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8096% | 1,869 |
| Memoranda: |
| Average total assets | $747,094,500 | 1,263 |
| Average earning assets | $712,794,500 | 1,232 |
| Average equity | $78,762,000 | 1,216 |
| Average total loans | $546,074,000 | 1,088 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5350% | 2,555 |
| Cost of funding earning assets | 0.2528% | 2,891 |
| Net interest margin | 3.2822% | 2,357 |
| Noninterest income to average assets | 2.0168% | 315 |
| Noninterest expense to average assets | 3.9113% | 315 |
| Loan and lease loss provision to assets | -0.1596% | 4,644 |
| Net operating income to assets | 1.0186% | 2,593 |
| Return on assets (ROA) | 1.0111% | 2,701 |
| Pretax return on assets | 1.3739% | 2,126 |
| Return on Equity (ROE) | 8.6357% | 3,035 |
| Retained earnings to average equity (ytd only) | 8.6357% | 1,304 |
| Net charge-offs to loans | -0.0751% | 4,489 |
| Credit loss provision to net charge-offs | 280.2817% | 1,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1117% | 1,098 |
| Assets per employee ($millions) | 4.1665% | 4,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5064% | 1,529 |
| Loan loss allowance to noncurrent loans | 1,145.3297% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.0987% | 3,249 |
| Noncurrent loans to loans | 0.1315% | 3,275 |
| Net loans and leases to total assets | 73.9266% | 671 |
| Net loans and leases to deposits | 87.4279% | 680 |
| Net loans and leases to core deposits | 93.0581% | 822 |
| Total domestic deposits to total assets | 84.5572% | 3,406 |
| Equity capital to assets | 10.8017% | 1,938 |
| Core capital (leverage) ratio | 9.5870% | 2,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6581% | 1,994 |
| Memoranda: |
| Average total assets | $747,960,800 | 1,227 |
| Average earning assets | $710,579,800 | 1,204 |
| Average equity | $87,578,600 | 1,124 |
| Average total loans | $567,493,800 | 1,067 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5308% | 2,745 |
| Cost of funding earning assets | 0.2636% | 2,976 |
| Net interest margin | 3.2673% | 2,521 |
| Noninterest income to average assets | 2.1943% | 297 |
| Noninterest expense to average assets | 3.9193% | 305 |
| Loan and lease loss provision to assets | -0.1231% | 4,649 |
| Net operating income to assets | 1.0908% | 2,591 |
| Return on assets (ROA) | 1.0841% | 2,671 |
| Pretax return on assets | 1.4898% | 2,022 |
| Return on Equity (ROE) | 9.0858% | 3,084 |
| Retained earnings to average equity (ytd only) | 9.0858% | 1,663 |
| Net charge-offs to loans | -0.0633% | 4,443 |
| Credit loss provision to net charge-offs | 255.7196% | 1,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9683% | 1,218 |
| Assets per employee ($millions) | 4.2910% | 4,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5046% | 1,612 |
| Loan loss allowance to noncurrent loans | 831.8008% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.1359% | 3,207 |
| Noncurrent loans to loans | 0.1809% | 3,224 |
| Net loans and leases to total assets | 74.0120% | 693 |
| Net loans and leases to deposits | 87.8252% | 728 |
| Net loans and leases to core deposits | 93.8195% | 831 |
| Total domestic deposits to total assets | 84.2719% | 3,382 |
| Equity capital to assets | 10.2547% | 2,649 |
| Core capital (leverage) ratio | 9.3534% | 3,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9607% | 2,382 |
| Memoranda: |
| Average total assets | $750,584,750 | 1,235 |
| Average earning assets | $712,218,750 | 1,213 |
| Average equity | $89,558,500 | 1,118 |
| Average total loans | $570,987,000 | 1,079 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5538% | 2,762 |
| Cost of funding earning assets | 0.2809% | 2,965 |
| Net interest margin | 3.2728% | 2,544 |
| Noninterest income to average assets | 2.2254% | 285 |
| Noninterest expense to average assets | 3.9535% | 301 |
| Loan and lease loss provision to assets | -0.0749% | 4,573 |
| Net operating income to assets | 1.0533% | 2,703 |
| Return on assets (ROA) | 1.0454% | 2,816 |
| Pretax return on assets | 1.4373% | 2,220 |
| Return on Equity (ROE) | 8.3580% | 3,296 |
| Retained earnings to average equity (ytd only) | 8.3580% | 1,959 |
| Net charge-offs to loans | -0.1135% | 4,659 |
| Credit loss provision to net charge-offs | 86.3777% | 1,454 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1781% | 1,232 |
| Assets per employee ($millions) | 4.2379% | 4,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6148% | 1,238 |
| Loan loss allowance to noncurrent loans | 890.9445% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.1377% | 3,327 |
| Noncurrent loans to loans | 0.1812% | 3,317 |
| Net loans and leases to total assets | 74.7417% | 697 |
| Net loans and leases to deposits | 90.6953% | 607 |
| Net loans and leases to core deposits | 97.9836% | 723 |
| Total domestic deposits to total assets | 82.4096% | 3,840 |
| Equity capital to assets | 12.7144% | 1,044 |
| Core capital (leverage) ratio | 11.6447% | 1,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1067% | 1,312 |
| Memoranda: |
| Average total assets | $744,751,667 | 1,234 |
| Average earning assets | $705,502,000 | 1,215 |
| Average equity | $93,156,333 | 1,079 |
| Average total loans | $568,930,000 | 1,083 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5739% | 2,723 |
| Cost of funding earning assets | 0.3048% | 2,937 |
| Net interest margin | 3.2690% | 2,485 |
| Noninterest income to average assets | 2.7799% | 228 |
| Noninterest expense to average assets | 4.1478% | 256 |
| Loan and lease loss provision to assets | 0.0113% | 2,630 |
| Net operating income to assets | 1.2518% | 1,974 |
| Return on assets (ROA) | 1.2336% | 2,118 |
| Pretax return on assets | 1.6872% | 1,521 |
| Return on Equity (ROE) | 9.9439% | 2,704 |
| Retained earnings to average equity (ytd only) | 9.9439% | 1,660 |
| Net charge-offs to loans | -0.0779% | 4,557 |
| Credit loss provision to net charge-offs | -18.9189% | 2,704 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6136% | 1,636 |
| Assets per employee ($millions) | 4.1617% | 4,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6551% | 1,159 |
| Loan loss allowance to noncurrent loans | 766.0033% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.3595% | 2,362 |
| Noncurrent loans to loans | 0.2161% | 3,333 |
| Net loans and leases to total assets | 73.6845% | 844 |
| Net loans and leases to deposits | 89.4982% | 726 |
| Net loans and leases to core deposits | 95.0055% | 924 |
| Total domestic deposits to total assets | 82.3307% | 3,827 |
| Equity capital to assets | 12.5235% | 1,074 |
| Core capital (leverage) ratio | 11.1873% | 1,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1498% | 1,259 |
| Memoranda: |
| Average total assets | $744,193,000 | 1,226 |
| Average earning assets | $703,330,000 | 1,205 |
| Average equity | $92,318,000 | 1,078 |
| Average total loans | $570,082,500 | 1,083 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8664% | 3,121 |
| Cost of funding earning assets | 0.6870% | 1,790 |
| Net interest margin | 3.1795% | 3,410 |
| Noninterest income to average assets | 2.9477% | 204 |
| Noninterest expense to average assets | 4.2092% | 310 |
| Loan and lease loss provision to assets | 0.1427% | 2,575 |
| Net operating income to assets | 1.2035% | 1,542 |
| Return on assets (ROA) | 1.2091% | 1,628 |
| Pretax return on assets | 1.6070% | 1,062 |
| Return on Equity (ROE) | 10.1839% | 1,940 |
| Retained earnings to average equity (ytd only) | 10.1839% | 553 |
| Net charge-offs to loans | -0.0106% | 4,269 |
| Credit loss provision to net charge-offs | -1,734.4262% | 4,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6727% | 1,859 |
| Assets per employee ($millions) | 4.2241% | 4,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5646% | 1,385 |
| Loan loss allowance to noncurrent loans | 746.3934% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.3621% | 2,534 |
| Noncurrent loans to loans | 0.2096% | 3,450 |
| Net loans and leases to total assets | 77.0622% | 691 |
| Net loans and leases to deposits | 96.8715% | 507 |
| Net loans and leases to core deposits | 105.8567% | 645 |
| Total domestic deposits to total assets | 79.5509% | 4,129 |
| Equity capital to assets | 12.2865% | 1,428 |
| Core capital (leverage) ratio | 10.7689% | 1,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4722% | 1,404 |
| Memoranda: |
| Average total assets | $741,526,600 | 1,120 |
| Average earning assets | $700,592,200 | 1,103 |
| Average equity | $88,040,600 | 1,077 |
| Average total loans | $576,852,600 | 1,014 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9207% | 3,187 |
| Cost of funding earning assets | 0.7711% | 1,628 |
| Net interest margin | 3.1495% | 3,619 |
| Noninterest income to average assets | 2.7141% | 215 |
| Noninterest expense to average assets | 3.9777% | 384 |
| Loan and lease loss provision to assets | 0.1715% | 2,272 |
| Net operating income to assets | 1.1296% | 1,879 |
| Return on assets (ROA) | 1.1380% | 1,973 |
| Pretax return on assets | 1.5509% | 1,327 |
| Return on Equity (ROE) | 9.6693% | 2,143 |
| Retained earnings to average equity (ytd only) | 9.6693% | 836 |
| Net charge-offs to loans | -0.0183% | 4,387 |
| Credit loss provision to net charge-offs | -1,206.3291% | 3,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8596% | 1,904 |
| Assets per employee ($millions) | 4.4634% | 3,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4698% | 1,473 |
| Loan loss allowance to noncurrent loans | 530.5294% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.4038% | 2,558 |
| Noncurrent loans to loans | 0.2770% | 3,299 |
| Net loans and leases to total assets | 76.9667% | 969 |
| Net loans and leases to deposits | 101.5917% | 468 |
| Net loans and leases to core deposits | 111.3241% | 657 |
| Total domestic deposits to total assets | 75.7608% | 4,445 |
| Equity capital to assets | 11.6697% | 1,896 |
| Core capital (leverage) ratio | 10.8761% | 1,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7133% | 1,585 |
| Memoranda: |
| Average total assets | $741,050,000 | 1,105 |
| Average earning assets | $700,068,500 | 1,088 |
| Average equity | $87,215,250 | 1,075 |
| Average total loans | $575,562,750 | 1,008 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8972% | 3,629 |
| Cost of funding earning assets | 0.8847% | 1,442 |
| Net interest margin | 3.0124% | 4,098 |
| Noninterest income to average assets | 1.9306% | 307 |
| Noninterest expense to average assets | 3.6493% | 612 |
| Loan and lease loss provision to assets | 0.1245% | 2,784 |
| Net operating income to assets | 0.7473% | 3,220 |
| Return on assets (ROA) | 0.7601% | 3,295 |
| Pretax return on assets | 1.0171% | 2,977 |
| Return on Equity (ROE) | 6.4388% | 3,350 |
| Retained earnings to average equity (ytd only) | 6.4388% | 1,886 |
| Net charge-offs to loans | -0.0092% | 4,188 |
| Credit loss provision to net charge-offs | -1,738.4615% | 3,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3685% | 1,227 |
| Assets per employee ($millions) | 4.4359% | 3,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3665% | 1,706 |
| Loan loss allowance to noncurrent loans | 173.2147% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.8393% | 1,477 |
| Noncurrent loans to loans | 0.7889% | 1,917 |
| Net loans and leases to total assets | 77.8206% | 867 |
| Net loans and leases to deposits | 107.4280% | 281 |
| Net loans and leases to core deposits | 119.6503% | 430 |
| Total domestic deposits to total assets | 72.4398% | 4,688 |
| Equity capital to assets | 11.1690% | 2,193 |
| Core capital (leverage) ratio | 10.4784% | 2,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0500% | 1,792 |
| Memoranda: |
| Average total assets | $726,213,667 | 1,107 |
| Average earning assets | $685,624,333 | 1,095 |
| Average equity | $85,729,667 | 1,082 |
| Average total loans | $562,871,000 | 1,016 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0607% | 3,627 |
| Cost of funding earning assets | 1.0295% | 1,298 |
| Net interest margin | 3.0312% | 4,227 |
| Noninterest income to average assets | 1.4754% | 412 |
| Noninterest expense to average assets | 3.5129% | 918 |
| Loan and lease loss provision to assets | 0.1165% | 2,231 |
| Net operating income to assets | 0.5214% | 3,838 |
| Return on assets (ROA) | 0.5391% | 3,839 |
| Pretax return on assets | 0.7234% | 3,617 |
| Return on Equity (ROE) | 4.4320% | 3,838 |
| Retained earnings to average equity (ytd only) | 4.4320% | 2,518 |
| Net charge-offs to loans | 0.0756% | 1,264 |
| Credit loss provision to net charge-offs | 200.9901% | 1,414 |
| Earnings coverage of net charge-offs (x) | 14.0990% | 1,618 |
| Efficiency ratio | 81.0420% | 1,037 |
| Assets per employee ($millions) | 3.9405% | 4,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5014% | 1,336 |
| Loan loss allowance to noncurrent loans | 162.6911% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 0.9572% | 1,392 |
| Noncurrent loans to loans | 0.9229% | 1,779 |
| Net loans and leases to total assets | 76.0827% | 1,290 |
| Net loans and leases to deposits | 99.3550% | 596 |
| Net loans and leases to core deposits | 114.3066% | 653 |
| Total domestic deposits to total assets | 76.5766% | 4,413 |
| Equity capital to assets | 12.3288% | 1,844 |
| Core capital (leverage) ratio | 10.6839% | 2,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8703% | 1,950 |
| Memoranda: |
| Average total assets | $696,744,000 | 1,122 |
| Average earning assets | $656,243,500 | 1,100 |
| Average equity | $84,747,500 | 1,089 |
| Average total loans | $534,568,500 | 1,039 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2436% | 3,701 |
| Cost of funding earning assets | 1.3135% | 747 |
| Net interest margin | 2.9301% | 4,624 |
| Noninterest income to average assets | 1.4189% | 472 |
| Noninterest expense to average assets | 3.6459% | 811 |
| Loan and lease loss provision to assets | 0.1172% | 1,801 |
| Net operating income to assets | 0.3154% | 4,730 |
| Return on assets (ROA) | 0.3234% | 4,746 |
| Pretax return on assets | 0.4196% | 4,681 |
| Return on Equity (ROE) | 2.6948% | 4,707 |
| Retained earnings to average equity (ytd only) | 2.6948% | 3,692 |
| Net charge-offs to loans | 0.1470% | 1,342 |
| Credit loss provision to net charge-offs | 108.4544% | 2,298 |
| Earnings coverage of net charge-offs (x) | 4.8732% | 3,159 |
| Efficiency ratio | 87.3024% | 477 |
| Assets per employee ($millions) | 3.9546% | 3,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5059% | 1,214 |
| Loan loss allowance to noncurrent loans | 142.9569% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 1.0560% | 1,175 |
| Noncurrent loans to loans | 1.0534% | 1,438 |
| Net loans and leases to total assets | 75.0565% | 1,580 |
| Net loans and leases to deposits | 98.1079% | 752 |
| Net loans and leases to core deposits | 109.7340% | 870 |
| Total domestic deposits to total assets | 76.5041% | 4,547 |
| Equity capital to assets | 11.9976% | 2,138 |
| Core capital (leverage) ratio | 10.3128% | 3,175 |
| Tier 1 risk-based capital ratio | 13.4270% | 3,563 |
| Total risk-based capital ratio | 14.6805% | 3,444 |
| Memoranda: |
| Average total assets | $700,426,200 | 1,071 |
| Average earning assets | $658,266,200 | 1,049 |
| Average equity | $84,050,800 | 1,044 |
| Average total loans | $515,071,200 | 1,049 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2701% | 3,748 |
| Cost of funding earning assets | 1.3390% | 697 |
| Net interest margin | 2.9311% | 4,721 |
| Noninterest income to average assets | 1.4494% | 434 |
| Noninterest expense to average assets | 3.5782% | 873 |
| Loan and lease loss provision to assets | 0.0203% | 3,501 |
| Net operating income to assets | 0.4822% | 4,564 |
| Return on assets (ROA) | 0.4947% | 4,578 |
| Pretax return on assets | 0.6190% | 4,508 |
| Return on Equity (ROE) | 4.1225% | 4,568 |
| Retained earnings to average equity (ytd only) | 4.1225% | 3,342 |
| Net charge-offs to loans | 0.1275% | 1,242 |
| Credit loss provision to net charge-offs | 21.8814% | 2,960 |
| Earnings coverage of net charge-offs (x) | 6.7117% | 2,811 |
| Efficiency ratio | 85.0785% | 547 |
| Assets per employee ($millions) | 3.8044% | 4,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4126% | 1,524 |
| Loan loss allowance to noncurrent loans | 131.5367% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 1.0826% | 1,211 |
| Noncurrent loans to loans | 1.0739% | 1,480 |
| Net loans and leases to total assets | 76.0137% | 1,478 |
| Net loans and leases to deposits | 93.4671% | 1,274 |
| Net loans and leases to core deposits | 107.3528% | 1,095 |
| Total domestic deposits to total assets | 81.3268% | 3,656 |
| Equity capital to assets | 12.1626% | 2,145 |
| Core capital (leverage) ratio | 10.5058% | 3,098 |
| Tier 1 risk-based capital ratio | 13.4901% | 3,578 |
| Total risk-based capital ratio | 14.7425% | 3,482 |
| Memoranda: |
| Average total assets | $701,529,250 | 1,069 |
| Average earning assets | $658,804,000 | 1,051 |
| Average equity | $84,187,250 | 1,035 |
| Average total loans | $511,241,250 | 1,056 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2673% | 3,739 |
| Cost of funding earning assets | 1.3424% | 657 |
| Net interest margin | 2.9249% | 4,791 |
| Noninterest income to average assets | 1.0852% | 720 |
| Noninterest expense to average assets | 3.3376% | 1,216 |
| Loan and lease loss provision to assets | -0.0624% | 5,188 |
| Net operating income to assets | 0.4046% | 4,728 |
| Return on assets (ROA) | 0.4190% | 4,724 |
| Pretax return on assets | 0.5706% | 4,593 |
| Return on Equity (ROE) | 3.5068% | 4,685 |
| Retained earnings to average equity (ytd only) | 3.5068% | 3,490 |
| Net charge-offs to loans | 0.1874% | 885 |
| Credit loss provision to net charge-offs | -46.6102% | 3,826 |
| Earnings coverage of net charge-offs (x) | 3.6568% | 2,812 |
| Efficiency ratio | 87.1181% | 489 |
| Assets per employee ($millions) | 3.8891% | 4,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3854% | 1,673 |
| Loan loss allowance to noncurrent loans | 125.7565% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 1.0732% | 1,271 |
| Noncurrent loans to loans | 1.1016% | 1,490 |
| Net loans and leases to total assets | 73.5259% | 1,958 |
| Net loans and leases to deposits | 95.4231% | 1,102 |
| Net loans and leases to core deposits | 104.7563% | 1,320 |
| Total domestic deposits to total assets | 77.0525% | 4,550 |
| Equity capital to assets | 12.2311% | 2,035 |
| Core capital (leverage) ratio | 10.4472% | 3,143 |
| Tier 1 risk-based capital ratio | 13.8985% | 3,372 |
| Total risk-based capital ratio | 15.1503% | 3,273 |
| Memoranda: |
| Average total assets | $704,575,000 | 1,066 |
| Average earning assets | $660,608,670 | 1,051 |
| Average equity | $84,178,670 | 1,032 |
| Average total loans | $503,703,670 | 1,069 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2321% | 3,775 |
| Cost of funding earning assets | 1.3174% | 627 |
| Net interest margin | 2.9148% | 4,862 |
| Noninterest income to average assets | 0.6632% | 1,761 |
| Noninterest expense to average assets | 3.0349% | 1,891 |
| Loan and lease loss provision to assets | -0.0871% | 5,281 |
| Net operating income to assets | 0.3216% | 4,869 |
| Return on assets (ROA) | 0.3350% | 4,868 |
| Pretax return on assets | 0.4595% | 4,761 |
| Return on Equity (ROE) | 2.8374% | 4,821 |
| Retained earnings to average equity (ytd only) | 2.8374% | 3,802 |
| Net charge-offs to loans | -0.0615% | 4,889 |
| Credit loss provision to net charge-offs | 202.6316% | 1,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4175% | 419 |
| Assets per employee ($millions) | 3.9395% | 4,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5898% | 1,083 |
| Loan loss allowance to noncurrent loans | 122.7892% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 1.1691% | 1,155 |
| Noncurrent loans to loans | 1.2947% | 1,268 |
| Net loans and leases to total assets | 69.6447% | 2,540 |
| Net loans and leases to deposits | 88.7846% | 1,772 |
| Net loans and leases to core deposits | 97.7032% | 1,799 |
| Total domestic deposits to total assets | 78.4423% | 4,444 |
| Equity capital to assets | 12.0637% | 1,986 |
| Core capital (leverage) ratio | 9.7488% | 3,869 |
| Tier 1 risk-based capital ratio | 13.4403% | 3,639 |
| Total risk-based capital ratio | 14.6943% | 3,542 |
| Memoranda: |
| Average total assets | $706,839,500 | 1,071 |
| Average earning assets | $661,324,000 | 1,060 |
| Average equity | $83,456,500 | 1,033 |
| Average total loans | $494,582,500 | 1,090 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0929% | 3,764 |
| Cost of funding earning assets | 0.9996% | 748 |
| Net interest margin | 3.0933% | 4,663 |
| Noninterest income to average assets | 1.3682% | 489 |
| Noninterest expense to average assets | 3.5938% | 882 |
| Loan and lease loss provision to assets | -0.1706% | 5,315 |
| Net operating income to assets | 0.6258% | 4,344 |
| Return on assets (ROA) | 0.6214% | 4,371 |
| Pretax return on assets | 0.8284% | 4,097 |
| Return on Equity (ROE) | 5.1442% | 4,424 |
| Retained earnings to average equity (ytd only) | 5.1442% | 2,693 |
| Net charge-offs to loans | -0.2865% | 5,305 |
| Credit loss provision to net charge-offs | 82.3282% | 2,832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3446% | 631 |
| Assets per employee ($millions) | 3.9147% | 4,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5984% | 1,034 |
| Loan loss allowance to noncurrent loans | 121.1098% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 1.1619% | 1,133 |
| Noncurrent loans to loans | 1.3198% | 1,189 |
| Net loans and leases to total assets | 68.0875% | 2,873 |
| Net loans and leases to deposits | 90.1858% | 1,775 |
| Net loans and leases to core deposits | 99.3964% | 1,767 |
| Total domestic deposits to total assets | 75.4969% | 4,813 |
| Equity capital to assets | 11.5571% | 2,215 |
| Core capital (leverage) ratio | 9.4945% | 4,114 |
| Tier 1 risk-based capital ratio | 13.2478% | 3,696 |
| Total risk-based capital ratio | 14.5019% | 3,576 |
| Memoranda: |
| Average total assets | $687,968,200 | 1,072 |
| Average earning assets | $642,478,200 | 1,059 |
| Average equity | $83,103,000 | 994 |
| Average total loans | $497,717,000 | 1,054 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0392% | 3,817 |
| Cost of funding earning assets | 0.9141% | 870 |
| Net interest margin | 3.1251% | 4,664 |
| Noninterest income to average assets | 1.5507% | 406 |
| Noninterest expense to average assets | 3.6351% | 810 |
| Loan and lease loss provision to assets | 0.0029% | 3,909 |
| Net operating income to assets | 0.6187% | 4,453 |
| Return on assets (ROA) | 0.6094% | 4,485 |
| Pretax return on assets | 0.8185% | 4,247 |
| Return on Equity (ROE) | 4.9882% | 4,567 |
| Retained earnings to average equity (ytd only) | 4.9882% | 3,242 |
| Net charge-offs to loans | -0.1354% | 5,223 |
| Credit loss provision to net charge-offs | -2.9644% | 4,062 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2779% | 833 |
| Assets per employee ($millions) | 3.8237% | 4,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5890% | 1,105 |
| Loan loss allowance to noncurrent loans | 210.4290% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.7895% | 1,880 |
| Noncurrent loans to loans | 0.7551% | 2,199 |
| Net loans and leases to total assets | 70.5771% | 2,557 |
| Net loans and leases to deposits | 96.1338% | 1,144 |
| Net loans and leases to core deposits | 109.3102% | 1,081 |
| Total domestic deposits to total assets | 73.4155% | 5,028 |
| Equity capital to assets | 11.2188% | 2,459 |
| Core capital (leverage) ratio | 9.2747% | 4,430 |
| Tier 1 risk-based capital ratio | 12.3557% | 4,280 |
| Total risk-based capital ratio | 13.6098% | 4,169 |
| Memoranda: |
| Average total assets | $680,863,250 | 1,080 |
| Average earning assets | $635,659,500 | 1,070 |
| Average equity | $83,180,250 | 997 |
| Average total loans | $498,222,750 | 1,054 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9900% | 3,813 |
| Cost of funding earning assets | 0.8318% | 998 |
| Net interest margin | 3.1582% | 4,595 |
| Noninterest income to average assets | 1.4585% | 449 |
| Noninterest expense to average assets | 3.6312% | 838 |
| Loan and lease loss provision to assets | 0.0084% | 3,677 |
| Net operating income to assets | 0.5686% | 4,591 |
| Return on assets (ROA) | 0.5738% | 4,578 |
| Pretax return on assets | 0.7710% | 4,332 |
| Return on Equity (ROE) | 4.5629% | 4,677 |
| Retained earnings to average equity (ytd only) | 4.5629% | 3,311 |
| Net charge-offs to loans | -0.1348% | 5,247 |
| Credit loss provision to net charge-offs | -8.4337% | 3,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3773% | 807 |
| Assets per employee ($millions) | 3.7474% | 4,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5939% | 1,133 |
| Loan loss allowance to noncurrent loans | 309.3606% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.6349% | 2,318 |
| Noncurrent loans to loans | 0.5152% | 2,874 |
| Net loans and leases to total assets | 71.9105% | 2,289 |
| Net loans and leases to deposits | 94.8290% | 1,263 |
| Net loans and leases to core deposits | 106.2017% | 1,228 |
| Total domestic deposits to total assets | 75.8317% | 4,867 |
| Equity capital to assets | 12.2855% | 1,674 |
| Core capital (leverage) ratio | 10.4522% | 3,078 |
| Tier 1 risk-based capital ratio | 13.5365% | 3,595 |
| Total risk-based capital ratio | 14.7907% | 3,503 |
| Memoranda: |
| Average total assets | $668,199,670 | 1,099 |
| Average earning assets | $623,205,670 | 1,088 |
| Average equity | $84,024,670 | 984 |
| Average total loans | $492,451,000 | 1,064 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9337% | 3,834 |
| Cost of funding earning assets | 0.7743% | 1,081 |
| Net interest margin | 3.1594% | 4,581 |
| Noninterest income to average assets | 1.1114% | 754 |
| Noninterest expense to average assets | 3.4407% | 1,098 |
| Loan and lease loss provision to assets | -0.0736% | 5,490 |
| Net operating income to assets | 0.4864% | 4,726 |
| Return on assets (ROA) | 0.4970% | 4,708 |
| Pretax return on assets | 0.6990% | 4,450 |
| Return on Equity (ROE) | 3.9053% | 4,788 |
| Retained earnings to average equity (ytd only) | 3.9053% | 3,633 |
| Net charge-offs to loans | 0.2005% | 735 |
| Credit loss provision to net charge-offs | -49.5902% | 3,623 |
| Earnings coverage of net charge-offs (x) | 4.1230% | 2,325 |
| Efficiency ratio | 84.8094% | 735 |
| Assets per employee ($millions) | 3.5769% | 4,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5249% | 1,371 |
| Loan loss allowance to noncurrent loans | 859.5294% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.4880% | 2,902 |
| Noncurrent loans to loans | 0.1774% | 4,174 |
| Net loans and leases to total assets | 71.6891% | 2,225 |
| Net loans and leases to deposits | 96.3004% | 1,004 |
| Net loans and leases to core deposits | 105.5517% | 1,273 |
| Total domestic deposits to total assets | 74.4432% | 5,112 |
| Equity capital to assets | 12.7438% | 1,363 |
| Core capital (leverage) ratio | 10.7155% | 2,724 |
| Tier 1 risk-based capital ratio | 13.8111% | 3,492 |
| Total risk-based capital ratio | 15.0642% | 3,399 |
| Memoranda: |
| Average total assets | $657,535,500 | 1,123 |
| Average earning assets | $612,149,500 | 1,114 |
| Average equity | $83,681,000 | 1,000 |
| Average total loans | $486,739,500 | 1,082 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8328% | 3,938 |
| Cost of funding earning assets | 0.6701% | 1,183 |
| Net interest margin | 3.1627% | 4,541 |
| Noninterest income to average assets | 1.3666% | 560 |
| Noninterest expense to average assets | 3.5450% | 966 |
| Loan and lease loss provision to assets | 0.0315% | 3,645 |
| Net operating income to assets | 3.2424% | 61 |
| Return on assets (ROA) | 3.2424% | 61 |
| Pretax return on assets | 0.8077% | 4,219 |
| Return on Equity (ROE) | 30.6991% | 32 |
| Retained earnings to average equity (ytd only) | 30.6991% | 11 |
| Net charge-offs to loans | 0.0196% | 3,448 |
| Credit loss provision to net charge-offs | 209.2784% | 1,305 |
| Earnings coverage of net charge-offs (x) | 55.8351% | 1,005 |
| Efficiency ratio | 80.7811% | 1,033 |
| Assets per employee ($millions) | 3.5898% | 4,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5517% | 1,270 |
| Loan loss allowance to noncurrent loans | 233.6582% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.7710% | 2,025 |
| Noncurrent loans to loans | 0.6641% | 2,555 |
| Net loans and leases to total assets | 74.0851% | 1,904 |
| Net loans and leases to deposits | 100.4748% | 695 |
| Net loans and leases to core deposits | 110.0214% | 1,003 |
| Total domestic deposits to total assets | 73.7349% | 5,206 |
| Equity capital to assets | 12.7090% | 1,402 |
| Core capital (leverage) ratio | 10.8264% | 2,503 |
| Tier 1 risk-based capital ratio | 13.5008% | 3,626 |
| Total risk-based capital ratio | 14.7637% | 3,528 |
| Memoranda: |
| Average total assets | $645,394,000 | 1,128 |
| Average earning assets | $615,771,800 | 1,095 |
| Average equity | $68,164,800 | 1,173 |
| Average total loans | $493,712,400 | 1,042 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7613% | 4,137 |
| Cost of funding earning assets | 0.6495% | 1,244 |
| Net interest margin | 3.1118% | 4,681 |
| Noninterest income to average assets | 1.3791% | 558 |
| Noninterest expense to average assets | 3.5248% | 954 |
| Loan and lease loss provision to assets | 0.0882% | 2,319 |
| Net operating income to assets | 0.7454% | 3,758 |
| Return on assets (ROA) | 0.7454% | 3,825 |
| Pretax return on assets | 0.7547% | 4,467 |
| Return on Equity (ROE) | 7.4443% | 3,418 |
| Retained earnings to average equity (ytd only) | 7.4443% | 1,458 |
| Net charge-offs to loans | 0.0305% | 2,819 |
| Credit loss provision to net charge-offs | 376.1062% | 815 |
| Earnings coverage of net charge-offs (x) | 35.9476% | 1,400 |
| Efficiency ratio | 80.6205% | 1,031 |
| Assets per employee ($millions) | 3.5703% | 4,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5854% | 1,272 |
| Loan loss allowance to noncurrent loans | 163.9542% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 1.0916% | 1,526 |
| Noncurrent loans to loans | 0.9670% | 1,993 |
| Net loans and leases to total assets | 76.5224% | 1,492 |
| Net loans and leases to deposits | 100.7829% | 692 |
| Net loans and leases to core deposits | 111.5873% | 946 |
| Total domestic deposits to total assets | 75.9279% | 5,022 |
| Equity capital to assets | 10.4074% | 3,468 |
| Core capital (leverage) ratio | 10.3528% | 3,137 |
| Tier 1 risk-based capital ratio | 13.4450% | 3,737 |
| Total risk-based capital ratio | 14.6988% | 3,654 |
| Memoranda: |
| Average total assets | $642,511,000 | 1,140 |
| Average earning assets | $617,078,250 | 1,098 |
| Average equity | $64,333,750 | 1,239 |
| Average total loans | $493,551,750 | 1,044 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6639% | 4,331 |
| Cost of funding earning assets | 0.6033% | 1,422 |
| Net interest margin | 3.0606% | 4,769 |
| Noninterest income to average assets | 1.3728% | 567 |
| Noninterest expense to average assets | 3.5037% | 1,004 |
| Loan and lease loss provision to assets | 0.0854% | 2,278 |
| Net operating income to assets | 0.7172% | 3,764 |
| Return on assets (ROA) | 0.7172% | 3,833 |
| Pretax return on assets | 0.7234% | 4,491 |
| Return on Equity (ROE) | 7.2569% | 3,422 |
| Retained earnings to average equity (ytd only) | 7.2569% | 1,472 |
| Net charge-offs to loans | 0.0869% | 1,741 |
| Credit loss provision to net charge-offs | 128.5047% | 1,699 |
| Earnings coverage of net charge-offs (x) | 12.1636% | 2,216 |
| Efficiency ratio | 81.1658% | 1,091 |
| Assets per employee ($millions) | 3.5843% | 4,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5341% | 1,458 |
| Loan loss allowance to noncurrent loans | 160.1092% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 1.0688% | 1,635 |
| Noncurrent loans to loans | 0.9582% | 2,048 |
| Net loans and leases to total assets | 75.4483% | 1,622 |
| Net loans and leases to deposits | 98.0244% | 892 |
| Net loans and leases to core deposits | 106.7494% | 1,178 |
| Total domestic deposits to total assets | 76.9689% | 4,961 |
| Equity capital to assets | 10.0429% | 3,861 |
| Core capital (leverage) ratio | 10.4602% | 2,962 |
| Tier 1 risk-based capital ratio | 13.2976% | 3,803 |
| Total risk-based capital ratio | 14.5510% | 3,721 |
| Memoranda: |
| Average total assets | $643,656,000 | 1,137 |
| Average earning assets | $618,251,000 | 1,095 |
| Average equity | $63,608,000 | 1,248 |
| Average total loans | $492,431,000 | 1,039 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6285% | 4,339 |
| Cost of funding earning assets | 0.5805% | 1,507 |
| Net interest margin | 3.0480% | 4,790 |
| Noninterest income to average assets | 1.1368% | 779 |
| Noninterest expense to average assets | 3.2581% | 1,458 |
| Loan and lease loss provision to assets | 0.1429% | 1,309 |
| Net operating income to assets | 0.6614% | 3,873 |
| Return on assets (ROA) | 0.6614% | 3,914 |
| Pretax return on assets | 0.6614% | 4,559 |
| Return on Equity (ROE) | 6.7478% | 3,521 |
| Retained earnings to average equity (ytd only) | 6.7478% | 1,954 |
| Net charge-offs to loans | 0.2073% | 840 |
| Credit loss provision to net charge-offs | 90.1575% | 1,687 |
| Earnings coverage of net charge-offs (x) | 5.0748% | 2,320 |
| Efficiency ratio | 80.1106% | 1,370 |
| Assets per employee ($millions) | 3.4802% | 4,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5528% | 1,502 |
| Loan loss allowance to noncurrent loans | 119.7015% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 1.3446% | 1,253 |
| Noncurrent loans to loans | 1.2972% | 1,561 |
| Net loans and leases to total assets | 75.8890% | 1,431 |
| Net loans and leases to deposits | 94.9706% | 1,022 |
| Net loans and leases to core deposits | 103.4667% | 1,254 |
| Total domestic deposits to total assets | 79.9079% | 4,635 |
| Equity capital to assets | 10.0876% | 3,650 |
| Core capital (leverage) ratio | 10.1033% | 3,372 |
| Tier 1 risk-based capital ratio | 13.2124% | 3,941 |
| Total risk-based capital ratio | 14.4659% | 3,856 |
| Memoranda: |
| Average total assets | $641,105,000 | 1,142 |
| Average earning assets | $615,353,500 | 1,100 |
| Average equity | $62,835,000 | 1,264 |
| Average total loans | $490,095,000 | 1,041 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5668% | 4,598 |
| Cost of funding earning assets | 0.5093% | 2,021 |
| Net interest margin | 3.0575% | 4,825 |
| Noninterest income to average assets | 1.4373% | 562 |
| Noninterest expense to average assets | 3.7612% | 812 |
| Loan and lease loss provision to assets | -0.0888% | 5,672 |
| Net operating income to assets | 0.6942% | 3,809 |
| Return on assets (ROA) | 0.6942% | 3,916 |
| Pretax return on assets | 0.7011% | 4,486 |
| Return on Equity (ROE) | 6.9938% | 3,467 |
| Retained earnings to average equity (ytd only) | 6.9938% | 1,230 |
| Net charge-offs to loans | -0.0159% | 5,065 |
| Credit loss provision to net charge-offs | 715.7895% | 505 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9174% | 829 |
| Assets per employee ($millions) | 3.8145% | 4,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5295% | 1,566 |
| Loan loss allowance to noncurrent loans | 125.3937% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 1.2586% | 1,418 |
| Noncurrent loans to loans | 1.2198% | 1,685 |
| Net loans and leases to total assets | 74.6670% | 1,749 |
| Net loans and leases to deposits | 99.5225% | 698 |
| Net loans and leases to core deposits | 108.2135% | 1,010 |
| Total domestic deposits to total assets | 75.0253% | 5,354 |
| Equity capital to assets | 9.5243% | 4,245 |
| Core capital (leverage) ratio | 10.0062% | 3,473 |
| Tier 1 risk-based capital ratio | 12.7235% | 4,262 |
| Total risk-based capital ratio | 13.9765% | 4,143 |
| Memoranda: |
| Average total assets | $612,753,000 | 1,147 |
| Average earning assets | $588,450,200 | 1,106 |
| Average equity | $60,825,000 | 1,278 |
| Average total loans | $477,255,600 | 1,017 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6139% | 4,511 |
| Cost of funding earning assets | 0.5075% | 2,044 |
| Net interest margin | 3.1064% | 4,756 |
| Noninterest income to average assets | 1.5306% | 522 |
| Noninterest expense to average assets | 3.7736% | 767 |
| Loan and lease loss provision to assets | 0.0557% | 3,134 |
| Net operating income to assets | 0.6781% | 3,975 |
| Return on assets (ROA) | 0.6781% | 4,097 |
| Pretax return on assets | 0.6860% | 4,649 |
| Return on Equity (ROE) | 6.7569% | 3,689 |
| Retained earnings to average equity (ytd only) | 6.7569% | 1,750 |
| Net charge-offs to loans | -0.0671% | 5,454 |
| Credit loss provision to net charge-offs | -105.8824% | 4,763 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4892% | 1,027 |
| Assets per employee ($millions) | 3.7356% | 4,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7697% | 1,068 |
| Loan loss allowance to noncurrent loans | 159.1113% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.8484% | 2,431 |
| Noncurrent loans to loans | 1.1123% | 2,027 |
| Net loans and leases to total assets | 74.9252% | 1,715 |
| Net loans and leases to deposits | 97.9776% | 857 |
| Net loans and leases to core deposits | 105.9042% | 1,189 |
| Total domestic deposits to total assets | 76.4718% | 5,171 |
| Equity capital to assets | 9.9180% | 4,223 |
| Core capital (leverage) ratio | 10.0357% | 3,526 |
| Tier 1 risk-based capital ratio | 12.9417% | 4,196 |
| Total risk-based capital ratio | 14.1979% | 4,102 |
| Memoranda: |
| Average total assets | $602,869,500 | 1,163 |
| Average earning assets | $579,268,000 | 1,126 |
| Average equity | $60,499,750 | 1,290 |
| Average total loans | $472,917,500 | 1,024 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6509% | 4,444 |
| Cost of funding earning assets | 0.5142% | 1,989 |
| Net interest margin | 3.1366% | 4,737 |
| Noninterest income to average assets | 1.4469% | 552 |
| Noninterest expense to average assets | 3.7058% | 870 |
| Loan and lease loss provision to assets | 0.0610% | 2,917 |
| Net operating income to assets | 0.6913% | 3,839 |
| Return on assets (ROA) | 0.6913% | 3,988 |
| Pretax return on assets | 0.6920% | 4,644 |
| Return on Equity (ROE) | 6.8601% | 3,624 |
| Retained earnings to average equity (ytd only) | 6.8601% | 1,689 |
| Net charge-offs to loans | 0.0098% | 3,367 |
| Credit loss provision to net charge-offs | 786.9565% | 459 |
| Earnings coverage of net charge-offs (x) | 97.1304% | 596 |
| Efficiency ratio | 83.0297% | 1,140 |
| Assets per employee ($millions) | 3.6789% | 4,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7313% | 1,207 |
| Loan loss allowance to noncurrent loans | 219.8068% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.8182% | 2,546 |
| Noncurrent loans to loans | 0.7876% | 2,781 |
| Net loans and leases to total assets | 75.6657% | 1,544 |
| Net loans and leases to deposits | 97.9119% | 900 |
| Net loans and leases to core deposits | 102.6775% | 1,419 |
| Total domestic deposits to total assets | 77.2794% | 5,120 |
| Equity capital to assets | 10.0355% | 4,181 |
| Core capital (leverage) ratio | 10.4368% | 3,031 |
| Tier 1 risk-based capital ratio | 12.8157% | 4,303 |
| Total risk-based capital ratio | 14.0711% | 4,217 |
| Memoranda: |
| Average total assets | $593,386,330 | 1,187 |
| Average earning assets | $569,780,670 | 1,142 |
| Average equity | $59,795,000 | 1,302 |
| Average total loans | $470,043,670 | 1,023 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7090% | 4,289 |
| Cost of funding earning assets | 0.5260% | 1,902 |
| Net interest margin | 3.1830% | 4,632 |
| Noninterest income to average assets | 1.0396% | 1,003 |
| Noninterest expense to average assets | 3.5945% | 1,027 |
| Loan and lease loss provision to assets | 0.0432% | 3,054 |
| Net operating income to assets | 0.4543% | 4,812 |
| Return on assets (ROA) | 0.4543% | 4,897 |
| Pretax return on assets | 0.4543% | 5,205 |
| Return on Equity (ROE) | 4.4984% | 4,710 |
| Retained earnings to average equity (ytd only) | 4.4984% | 3,239 |
| Net charge-offs to loans | -0.0948% | 5,611 |
| Credit loss provision to net charge-offs | -56.7568% | 4,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7411% | 832 |
| Assets per employee ($millions) | 3.3102% | 5,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7089% | 1,344 |
| Loan loss allowance to noncurrent loans | 219.3531% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 1.1107% | 1,988 |
| Noncurrent loans to loans | 0.7791% | 2,891 |
| Net loans and leases to total assets | 79.2124% | 924 |
| Net loans and leases to deposits | 99.5516% | 657 |
| Net loans and leases to core deposits | 106.3970% | 1,052 |
| Total domestic deposits to total assets | 79.5692% | 4,844 |
| Equity capital to assets | 10.0135% | 4,063 |
| Core capital (leverage) ratio | 10.4044% | 3,066 |
| Tier 1 risk-based capital ratio | 12.3787% | 4,667 |
| Total risk-based capital ratio | 13.6340% | 4,561 |
| Memoranda: |
| Average total assets | $582,895,500 | 1,208 |
| Average earning assets | $558,968,000 | 1,162 |
| Average equity | $58,865,000 | 1,317 |
| Average total loans | $468,537,500 | 1,024 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6667% | 4,467 |
| Cost of funding earning assets | 0.4715% | 2,427 |
| Net interest margin | 3.1952% | 4,642 |
| Noninterest income to average assets | 0.8211% | 1,704 |
| Noninterest expense to average assets | 3.8024% | 857 |
| Loan and lease loss provision to assets | 0.0129% | 4,153 |
| Net operating income to assets | 0.0515% | 5,813 |
| Return on assets (ROA) | 0.0539% | 5,847 |
| Pretax return on assets | 0.0550% | 5,843 |
| Return on Equity (ROE) | 0.4808% | 5,842 |
| Retained earnings to average equity (ytd only) | 0.4808% | 5,324 |
| Net charge-offs to loans | -0.1069% | 5,796 |
| Credit loss provision to net charge-offs | -15.2466% | 4,968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2012% | 333 |
| Assets per employee ($millions) | 3.2945% | 5,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7582% | 1,222 |
| Loan loss allowance to noncurrent loans | 162.2501% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 1.4201% | 1,472 |
| Noncurrent loans to loans | 1.0836% | 2,173 |
| Net loans and leases to total assets | 78.7536% | 1,022 |
| Net loans and leases to deposits | 99.7394% | 690 |
| Net loans and leases to core deposits | 104.3043% | 1,203 |
| Total domestic deposits to total assets | 78.9594% | 4,988 |
| Equity capital to assets | 10.1878% | 3,761 |
| Core capital (leverage) ratio | 10.9309% | 2,467 |
| Tier 1 risk-based capital ratio | 12.6512% | 4,546 |
| Total risk-based capital ratio | 13.9067% | 4,435 |
| Memoranda: |
| Average total assets | $528,932,200 | 1,279 |
| Average earning assets | $504,344,000 | 1,238 |
| Average equity | $59,280,600 | 1,274 |
| Average total loans | $417,369,000 | 1,093 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6823% | 4,467 |
| Cost of funding earning assets | 0.4650% | 2,535 |
| Net interest margin | 3.2173% | 4,620 |
| Noninterest income to average assets | 0.9645% | 1,276 |
| Noninterest expense to average assets | 3.8458% | 793 |
| Loan and lease loss provision to assets | -0.0409% | 5,897 |
| Net operating income to assets | 0.2239% | 5,632 |
| Return on assets (ROA) | 0.2272% | 5,688 |
| Pretax return on assets | 0.2272% | 5,752 |
| Return on Equity (ROE) | 1.9781% | 5,670 |
| Retained earnings to average equity (ytd only) | 1.9781% | 4,887 |
| Net charge-offs to loans | -0.1577% | 5,932 |
| Credit loss provision to net charge-offs | 32.9876% | 3,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3487% | 436 |
| Assets per employee ($millions) | 3.3349% | 5,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8699% | 1,137 |
| Loan loss allowance to noncurrent loans | 264.3291% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 1.2602% | 1,858 |
| Noncurrent loans to loans | 0.7074% | 3,212 |
| Net loans and leases to total assets | 77.5912% | 1,165 |
| Net loans and leases to deposits | 97.5903% | 850 |
| Net loans and leases to core deposits | 101.6597% | 1,402 |
| Total domestic deposits to total assets | 79.5071% | 4,859 |
| Equity capital to assets | 11.2966% | 2,703 |
| Core capital (leverage) ratio | 11.5740% | 1,980 |
| Tier 1 risk-based capital ratio | 13.6385% | 4,059 |
| Total risk-based capital ratio | 14.8948% | 3,983 |
| Memoranda: |
| Average total assets | $518,676,500 | 1,305 |
| Average earning assets | $494,025,500 | 1,272 |
| Average equity | $59,584,250 | 1,279 |
| Average total loans | $407,488,000 | 1,130 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6681% | 4,515 |
| Cost of funding earning assets | 0.4602% | 2,610 |
| Net interest margin | 3.2079% | 4,635 |
| Noninterest income to average assets | 1.0854% | 1,017 |
| Noninterest expense to average assets | 3.9493% | 720 |
| Loan and lease loss provision to assets | 0.0719% | 2,673 |
| Net operating income to assets | 0.1189% | 5,849 |
| Return on assets (ROA) | 0.1239% | 5,889 |
| Pretax return on assets | 0.1239% | 5,910 |
| Return on Equity (ROE) | 1.0726% | 5,891 |
| Retained earnings to average equity (ytd only) | 1.0726% | 5,143 |
| Net charge-offs to loans | 0.0342% | 2,983 |
| Credit loss provision to net charge-offs | 268.1159% | 998 |
| Earnings coverage of net charge-offs (x) | 7.1159% | 2,706 |
| Efficiency ratio | 95.2895% | 468 |
| Assets per employee ($millions) | 3.3143% | 5,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8520% | 1,261 |
| Loan loss allowance to noncurrent loans | 143.3077% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 1.7700% | 1,317 |
| Noncurrent loans to loans | 1.2923% | 2,086 |
| Net loans and leases to total assets | 77.2580% | 1,169 |
| Net loans and leases to deposits | 98.8739% | 727 |
| Net loans and leases to core deposits | 102.9246% | 1,271 |
| Total domestic deposits to total assets | 78.1380% | 5,253 |
| Equity capital to assets | 11.3607% | 2,522 |
| Core capital (leverage) ratio | 11.5905% | 1,931 |
| Tier 1 risk-based capital ratio | 13.8422% | 4,015 |
| Total risk-based capital ratio | 15.0986% | 3,941 |
| Memoranda: |
| Average total assets | $514,820,000 | 1,328 |
| Average earning assets | $490,222,330 | 1,293 |
| Average equity | $59,479,000 | 1,290 |
| Average total loans | $403,562,670 | 1,140 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6646% | 4,486 |
| Cost of funding earning assets | 0.4696% | 2,568 |
| Net interest margin | 3.1950% | 4,632 |
| Noninterest income to average assets | 1.0674% | 989 |
| Noninterest expense to average assets | 3.9052% | 765 |
| Loan and lease loss provision to assets | 0.0690% | 2,564 |
| Net operating income to assets | 0.1379% | 5,816 |
| Return on assets (ROA) | 0.1481% | 5,867 |
| Pretax return on assets | 0.1481% | 5,901 |
| Return on Equity (ROE) | 1.2712% | 5,859 |
| Retained earnings to average equity (ytd only) | 1.2712% | 4,977 |
| Net charge-offs to loans | 0.0561% | 2,207 |
| Credit loss provision to net charge-offs | 157.1429% | 1,216 |
| Earnings coverage of net charge-offs (x) | 4.7143% | 2,455 |
| Efficiency ratio | 94.8542% | 551 |
| Assets per employee ($millions) | 3.4028% | 5,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8579% | 1,380 |
| Loan loss allowance to noncurrent loans | 128.4888% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 1.8916% | 1,284 |
| Noncurrent loans to loans | 1.4459% | 1,975 |
| Net loans and leases to total assets | 76.6067% | 1,124 |
| Net loans and leases to deposits | 96.3323% | 810 |
| Net loans and leases to core deposits | 100.4200% | 1,291 |
| Total domestic deposits to total assets | 79.5234% | 5,168 |
| Equity capital to assets | 11.4903% | 2,468 |
| Core capital (leverage) ratio | 11.8499% | 1,739 |
| Tier 1 risk-based capital ratio | 13.8335% | 4,127 |
| Total risk-based capital ratio | 15.0895% | 4,049 |
| Memoranda: |
| Average total assets | $510,397,000 | 1,340 |
| Average earning assets | $486,385,000 | 1,303 |
| Average equity | $59,472,500 | 1,293 |
| Average total loans | $399,240,000 | 1,152 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9605% | 3,869 |
| Cost of funding earning assets | 0.4669% | 3,007 |
| Net interest margin | 3.4936% | 3,821 |
| Noninterest income to average assets | 0.7575% | 2,044 |
| Noninterest expense to average assets | 3.6901% | 1,173 |
| Loan and lease loss provision to assets | 0.0977% | 2,518 |
| Net operating income to assets | 0.2830% | 5,559 |
| Return on assets (ROA) | 0.2843% | 5,626 |
| Pretax return on assets | 0.2851% | 5,730 |
| Return on Equity (ROE) | 2.3650% | 5,672 |
| Retained earnings to average equity (ytd only) | 2.3650% | 4,547 |
| Net charge-offs to loans | 0.3295% | 1,337 |
| Credit loss provision to net charge-offs | 38.8935% | 3,696 |
| Earnings coverage of net charge-offs (x) | 1.5194% | 4,399 |
| Efficiency ratio | 90.5174% | 812 |
| Assets per employee ($millions) | 3.2479% | 5,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9174% | 1,278 |
| Loan loss allowance to noncurrent loans | 173.4256% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 1.6822% | 1,592 |
| Noncurrent loans to loans | 1.1056% | 2,618 |
| Net loans and leases to total assets | 76.8897% | 1,145 |
| Net loans and leases to deposits | 94.4682% | 1,038 |
| Net loans and leases to core deposits | 96.9267% | 1,645 |
| Total domestic deposits to total assets | 81.3922% | 4,629 |
| Equity capital to assets | 11.8208% | 2,154 |
| Core capital (leverage) ratio | 11.8753% | 1,715 |
| Tier 1 risk-based capital ratio | 14.0260% | 4,068 |
| Total risk-based capital ratio | 15.2823% | 3,992 |
| Memoranda: |
| Average total assets | $482,261,600 | 1,382 |
| Average earning assets | $457,493,200 | 1,342 |
| Average equity | $57,969,200 | 1,259 |
| Average total loans | $367,528,800 | 1,203 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9812% | 3,830 |
| Cost of funding earning assets | 0.4626% | 3,126 |
| Net interest margin | 3.5185% | 3,759 |
| Noninterest income to average assets | 0.7348% | 2,158 |
| Noninterest expense to average assets | 3.6587% | 1,199 |
| Loan and lease loss provision to assets | 0.1286% | 1,947 |
| Net operating income to assets | 0.2816% | 5,650 |
| Return on assets (ROA) | 0.2807% | 5,713 |
| Pretax return on assets | 0.2830% | 5,800 |
| Return on Equity (ROE) | 2.3254% | 5,755 |
| Retained earnings to average equity (ytd only) | 2.3254% | 4,892 |
| Net charge-offs to loans | 0.0900% | 2,927 |
| Credit loss provision to net charge-offs | 188.9344% | 1,333 |
| Earnings coverage of net charge-offs (x) | 6.0573% | 3,145 |
| Efficiency ratio | 89.7526% | 858 |
| Assets per employee ($millions) | 3.3527% | 5,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1836% | 967 |
| Loan loss allowance to noncurrent loans | 147.9141% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 2.0907% | 1,342 |
| Noncurrent loans to loans | 1.4762% | 2,201 |
| Net loans and leases to total assets | 75.9895% | 1,223 |
| Net loans and leases to deposits | 98.3838% | 711 |
| Net loans and leases to core deposits | 99.5330% | 1,411 |
| Total domestic deposits to total assets | 77.2378% | 5,636 |
| Equity capital to assets | 11.6585% | 2,354 |
| Core capital (leverage) ratio | 12.1858% | 1,585 |
| Tier 1 risk-based capital ratio | 13.7752% | 4,370 |
| Total risk-based capital ratio | 15.0341% | 4,296 |
| Memoranda: |
| Average total assets | $477,784,250 | 1,411 |
| Average earning assets | $453,055,250 | 1,366 |
| Average equity | $57,680,500 | 1,270 |
| Average total loans | $361,386,500 | 1,228 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9885% | 3,773 |
| Cost of funding earning assets | 0.4694% | 3,111 |
| Net interest margin | 3.5190% | 3,702 |
| Noninterest income to average assets | 0.6775% | 2,391 |
| Noninterest expense to average assets | 3.6321% | 1,239 |
| Loan and lease loss provision to assets | 0.1058% | 2,255 |
| Net operating income to assets | 0.2725% | 5,658 |
| Return on assets (ROA) | 0.2793% | 5,710 |
| Pretax return on assets | 0.2793% | 5,822 |
| Return on Equity (ROE) | 2.2855% | 5,764 |
| Retained earnings to average equity (ytd only) | 2.2855% | 4,745 |
| Net charge-offs to loans | 0.2411% | 1,597 |
| Credit loss provision to net charge-offs | 58.5882% | 2,665 |
| Earnings coverage of net charge-offs (x) | 2.0941% | 3,642 |
| Efficiency ratio | 90.4505% | 883 |
| Assets per employee ($millions) | 3.2213% | 5,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2071% | 1,013 |
| Loan loss allowance to noncurrent loans | 104.4462% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 2.5161% | 1,127 |
| Noncurrent loans to loans | 2.1131% | 1,572 |
| Net loans and leases to total assets | 73.6105% | 1,491 |
| Net loans and leases to deposits | 91.3369% | 1,234 |
| Net loans and leases to core deposits | 92.3274% | 1,919 |
| Total domestic deposits to total assets | 80.5923% | 5,099 |
| Equity capital to assets | 11.9715% | 2,009 |
| Core capital (leverage) ratio | 12.3290% | 1,484 |
| Tier 1 risk-based capital ratio | 14.2383% | 4,107 |
| Total risk-based capital ratio | 15.4969% | 4,031 |
| Memoranda: |
| Average total assets | $470,529,670 | 1,424 |
| Average earning assets | $445,633,330 | 1,384 |
| Average equity | $57,494,000 | 1,268 |
| Average total loans | $352,489,330 | 1,250 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0305% | 3,564 |
| Cost of funding earning assets | 0.4679% | 3,248 |
| Net interest margin | 3.5626% | 3,419 |
| Noninterest income to average assets | 0.6053% | 2,707 |
| Noninterest expense to average assets | 3.5851% | 1,334 |
| Loan and lease loss provision to assets | 0.0839% | 2,504 |
| Net operating income to assets | 0.2375% | 5,696 |
| Return on assets (ROA) | 0.2395% | 5,738 |
| Pretax return on assets | 0.3096% | 5,694 |
| Return on Equity (ROE) | 1.9396% | 5,800 |
| Retained earnings to average equity (ytd only) | 1.9396% | 4,819 |
| Net charge-offs to loans | 0.1458% | 1,850 |
| Credit loss provision to net charge-offs | 76.9841% | 1,932 |
| Earnings coverage of net charge-offs (x) | 3.5873% | 2,656 |
| Efficiency ratio | 90.0391% | 1,034 |
| Assets per employee ($millions) | 3.0967% | 5,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3537% | 960 |
| Loan loss allowance to noncurrent loans | 128.6027% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 2.7705% | 1,080 |
| Noncurrent loans to loans | 1.8302% | 2,100 |
| Net loans and leases to total assets | 72.5184% | 1,492 |
| Net loans and leases to deposits | 88.6799% | 1,288 |
| Net loans and leases to core deposits | 89.6507% | 1,942 |
| Total domestic deposits to total assets | 81.7755% | 5,003 |
| Equity capital to assets | 12.2233% | 1,734 |
| Core capital (leverage) ratio | 12.7573% | 1,270 |
| Tier 1 risk-based capital ratio | 14.5286% | 3,995 |
| Total risk-based capital ratio | 15.7884% | 3,932 |
| Memoranda: |
| Average total assets | $462,584,500 | 1,456 |
| Average earning assets | $437,660,500 | 1,409 |
| Average equity | $57,125,000 | 1,272 |
| Average total loans | $345,665,500 | 1,269 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1003% | 3,733 |
| Cost of funding earning assets | 0.5725% | 2,901 |
| Net interest margin | 3.5278% | 3,771 |
| Noninterest income to average assets | 0.3047% | 5,164 |
| Noninterest expense to average assets | 3.6108% | 1,427 |
| Loan and lease loss provision to assets | 0.0068% | 4,988 |
| Net operating income to assets | 0.0135% | 6,190 |
| Return on assets (ROA) | 0.0140% | 6,231 |
| Pretax return on assets | 0.0140% | 6,211 |
| Return on Equity (ROE) | 0.1135% | 6,234 |
| Retained earnings to average equity (ytd only) | 0.1135% | 5,800 |
| Net charge-offs to loans | 0.9581% | 626 |
| Credit loss provision to net charge-offs | 0.9990% | 4,698 |
| Earnings coverage of net charge-offs (x) | 0.0300% | 5,083 |
| Efficiency ratio | 99.4403% | 497 |
| Assets per employee ($millions) | 2.9511% | 5,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4160% | 911 |
| Loan loss allowance to noncurrent loans | 250.6679% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 2.1482% | 1,661 |
| Noncurrent loans to loans | 0.9638% | 3,589 |
| Net loans and leases to total assets | 73.3827% | 1,457 |
| Net loans and leases to deposits | 85.1104% | 1,798 |
| Net loans and leases to core deposits | 86.1112% | 2,433 |
| Total domestic deposits to total assets | 86.2206% | 3,154 |
| Equity capital to assets | 12.4794% | 1,520 |
| Core capital (leverage) ratio | 12.9676% | 1,152 |
| Tier 1 risk-based capital ratio | 14.6487% | 3,869 |
| Total risk-based capital ratio | 15.9090% | 3,804 |
| Memoranda: |
| Average total assets | $457,565,800 | 1,451 |
| Average earning assets | $431,454,800 | 1,413 |
| Average equity | $56,392,800 | 1,268 |
| Average total loans | $323,861,200 | 1,320 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1013% | 3,756 |
| Cost of funding earning assets | 0.5875% | 2,925 |
| Net interest margin | 3.5138% | 3,820 |
| Noninterest income to average assets | 0.1978% | 5,995 |
| Noninterest expense to average assets | 3.5818% | 1,433 |
| Loan and lease loss provision to assets | 0.0815% | 3,432 |
| Net operating income to assets | -0.1530% | 6,434 |
| Return on assets (ROA) | -0.1553% | 6,464 |
| Pretax return on assets | -0.1553% | 6,446 |
| Return on Equity (ROE) | -1.2643% | 6,442 |
| Retained earnings to average equity (ytd only) | -1.2643% | 6,171 |
| Net charge-offs to loans | 1.3718% | 379 |
| Credit loss provision to net charge-offs | 8.5210% | 4,231 |
| Earnings coverage of net charge-offs (x) | -0.0749% | 4,879 |
| Efficiency ratio | 102.0386% | 404 |
| Assets per employee ($millions) | 2.9137% | 5,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5795% | 852 |
| Loan loss allowance to noncurrent loans | 234.9802% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 2.1642% | 1,843 |
| Noncurrent loans to loans | 1.0978% | 3,598 |
| Net loans and leases to total assets | 71.4437% | 1,692 |
| Net loans and leases to deposits | 82.8771% | 2,017 |
| Net loans and leases to core deposits | 84.0076% | 2,654 |
| Total domestic deposits to total assets | 86.2044% | 3,133 |
| Equity capital to assets | 12.6317% | 1,510 |
| Core capital (leverage) ratio | 12.8040% | 1,285 |
| Tier 1 risk-based capital ratio | 15.3096% | 3,561 |
| Total risk-based capital ratio | 16.5713% | 3,511 |
| Memoranda: |
| Average total assets | $458,340,250 | 1,451 |
| Average earning assets | $432,078,000 | 1,413 |
| Average equity | $56,312,250 | 1,277 |
| Average total loans | $319,387,000 | 1,333 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0890% | 3,783 |
| Cost of funding earning assets | 0.5960% | 2,975 |
| Net interest margin | 3.4930% | 3,808 |
| Noninterest income to average assets | 0.1981% | 6,018 |
| Noninterest expense to average assets | 3.4664% | 1,685 |
| Loan and lease loss provision to assets | 0.0943% | 3,217 |
| Net operating income to assets | -0.0693% | 6,379 |
| Return on assets (ROA) | -0.0715% | 6,426 |
| Pretax return on assets | -0.0715% | 6,413 |
| Return on Equity (ROE) | -0.5870% | 6,421 |
| Retained earnings to average equity (ytd only) | -0.5870% | 5,977 |
| Net charge-offs to loans | 1.8228% | 256 |
| Credit loss provision to net charge-offs | 7.5491% | 3,932 |
| Earnings coverage of net charge-offs (x) | 0.0200% | 4,546 |
| Efficiency ratio | 99.2847% | 514 |
| Assets per employee ($millions) | 3.6040% | 4,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7059% | 788 |
| Loan loss allowance to noncurrent loans | 75.0629% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 4.4008% | 753 |
| Noncurrent loans to loans | 3.6048% | 1,152 |
| Net loans and leases to total assets | 67.9368% | 2,247 |
| Net loans and leases to deposits | 78.4086% | 2,522 |
| Net loans and leases to core deposits | 79.8349% | 3,043 |
| Total domestic deposits to total assets | 86.6445% | 3,034 |
| Equity capital to assets | 12.2078% | 1,770 |
| Core capital (leverage) ratio | 12.6003% | 1,317 |
| Tier 1 risk-based capital ratio | 15.4697% | 3,499 |
| Total risk-based capital ratio | 16.7327% | 3,445 |
| Memoranda: |
| Average total assets | $464,462,670 | 1,432 |
| Average earning assets | $437,905,000 | 1,396 |
| Average equity | $56,557,670 | 1,276 |
| Average total loans | $318,297,330 | 1,333 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0779% | 3,814 |
| Cost of funding earning assets | 0.5985% | 3,123 |
| Net interest margin | 3.4794% | 3,789 |
| Noninterest income to average assets | 0.3736% | 4,678 |
| Noninterest expense to average assets | 3.3131% | 2,052 |
| Loan and lease loss provision to assets | 0.1094% | 2,875 |
| Net operating income to assets | 0.2317% | 5,785 |
| Return on assets (ROA) | 0.2676% | 5,794 |
| Pretax return on assets | 0.2676% | 5,918 |
| Return on Equity (ROE) | 2.2004% | 5,874 |
| Retained earnings to average equity (ytd only) | 2.2004% | 4,904 |
| Net charge-offs to loans | 2.8485% | 128 |
| Credit loss provision to net charge-offs | 5.6587% | 3,190 |
| Earnings coverage of net charge-offs (x) | 0.1764% | 3,757 |
| Efficiency ratio | 90.6645% | 1,087 |
| Assets per employee ($millions) | 3.4681% | 5,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8956% | 734 |
| Loan loss allowance to noncurrent loans | 83.0564% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 4.1952% | 914 |
| Noncurrent loans to loans | 3.4863% | 1,378 |
| Net loans and leases to total assets | 66.3600% | 2,306 |
| Net loans and leases to deposits | 77.0261% | 2,484 |
| Net loans and leases to core deposits | 77.9144% | 3,075 |
| Total domestic deposits to total assets | 86.1526% | 3,447 |
| Equity capital to assets | 12.2794% | 1,850 |
| Core capital (leverage) ratio | 12.5376% | 1,320 |
| Tier 1 risk-based capital ratio | 15.6929% | 3,429 |
| Total risk-based capital ratio | 16.9576% | 3,386 |
| Memoranda: |
| Average total assets | $467,840,000 | 1,432 |
| Average earning assets | $441,111,000 | 1,400 |
| Average equity | $56,898,500 | 1,285 |
| Average total loans | $317,646,000 | 1,338 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6107% | 2,956 |
| Cost of funding earning assets | 0.6977% | 3,510 |
| Net interest margin | 3.9130% | 2,772 |
| Noninterest income to average assets | -0.0496% | 6,882 |
| Noninterest expense to average assets | 3.6223% | 1,558 |
| Loan and lease loss provision to assets | -0.6304% | 7,052 |
| Net operating income to assets | 0.6425% | 4,025 |
| Return on assets (ROA) | 0.5121% | 4,903 |
| Pretax return on assets | 0.5238% | 5,212 |
| Return on Equity (ROE) | 4.5551% | 4,897 |
| Retained earnings to average equity (ytd only) | 4.5551% | 3,015 |
| Net charge-offs to loans | 0.4799% | 2,321 |
| Credit loss provision to net charge-offs | -190.9373% | 6,388 |
| Earnings coverage of net charge-offs (x) | 0.0801% | 5,451 |
| Efficiency ratio | 99.2755% | 587 |
| Assets per employee ($millions) | 3.4376% | 5,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5659% | 407 |
| Loan loss allowance to noncurrent loans | 131.8399% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 3.5980% | 1,247 |
| Noncurrent loans to loans | 2.7047% | 1,954 |
| Net loans and leases to total assets | 65.0541% | 2,709 |
| Net loans and leases to deposits | 76.2853% | 2,753 |
| Net loans and leases to core deposits | 77.3379% | 3,355 |
| Total domestic deposits to total assets | 85.2774% | 3,723 |
| Equity capital to assets | 12.0461% | 2,015 |
| Core capital (leverage) ratio | 12.2369% | 1,436 |
| Tier 1 risk-based capital ratio | 15.4055% | 3,484 |
| Total risk-based capital ratio | 16.6768% | 3,434 |
| Memoranda: |
| Average total assets | $487,976,400 | 1,365 |
| Average earning assets | $461,207,600 | 1,323 |
| Average equity | $54,861,400 | 1,301 |
| Average total loans | $335,706,200 | 1,255 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6536% | 2,996 |
| Cost of funding earning assets | 0.7243% | 3,560 |
| Net interest margin | 3.9293% | 2,805 |
| Noninterest income to average assets | -0.0937% | 7,023 |
| Noninterest expense to average assets | 3.5524% | 1,650 |
| Loan and lease loss provision to assets | -0.6536% | 7,157 |
| Net operating income to assets | 0.7056% | 3,889 |
| Return on assets (ROA) | 0.5301% | 4,978 |
| Pretax return on assets | 0.5455% | 5,327 |
| Return on Equity (ROE) | 4.7970% | 4,917 |
| Retained earnings to average equity (ytd only) | 4.7970% | 3,514 |
| Net charge-offs to loans | 0.5353% | 1,998 |
| Credit loss provision to net charge-offs | -176.6471% | 6,314 |
| Earnings coverage of net charge-offs (x) | 0.1969% | 5,224 |
| Efficiency ratio | 97.9901% | 604 |
| Assets per employee ($millions) | 3.5295% | 4,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.7471% | 377 |
| Loan loss allowance to noncurrent loans | 104.2600% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 3.5372% | 1,413 |
| Noncurrent loans to loans | 3.5940% | 1,505 |
| Net loans and leases to total assets | 65.9705% | 2,654 |
| Net loans and leases to deposits | 76.8747% | 2,841 |
| Net loans and leases to core deposits | 77.8161% | 3,485 |
| Total domestic deposits to total assets | 85.8157% | 3,352 |
| Equity capital to assets | 11.8602% | 2,381 |
| Core capital (leverage) ratio | 11.8708% | 1,733 |
| Tier 1 risk-based capital ratio | 15.0864% | 3,790 |
| Total risk-based capital ratio | 16.3601% | 3,720 |
| Memoranda: |
| Average total assets | $492,231,250 | 1,370 |
| Average earning assets | $465,890,250 | 1,328 |
| Average equity | $54,393,750 | 1,321 |
| Average total loans | $340,206,250 | 1,251 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7520% | 2,710 |
| Cost of funding earning assets | 0.7576% | 3,539 |
| Net interest margin | 3.9944% | 2,530 |
| Noninterest income to average assets | -0.1395% | 7,115 |
| Noninterest expense to average assets | 3.5487% | 1,679 |
| Loan and lease loss provision to assets | -1.0404% | 7,228 |
| Net operating income to assets | 0.9965% | 2,481 |
| Return on assets (ROA) | 0.4877% | 5,125 |
| Pretax return on assets | 0.5496% | 5,312 |
| Return on Equity (ROE) | 4.5187% | 5,026 |
| Retained earnings to average equity (ytd only) | 4.5187% | 3,594 |
| Net charge-offs to loans | 0.7362% | 1,503 |
| Credit loss provision to net charge-offs | -203.9401% | 6,147 |
| Earnings coverage of net charge-offs (x) | 0.1584% | 4,992 |
| Efficiency ratio | 97.7736% | 633 |
| Assets per employee ($millions) | 3.5181% | 4,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6854% | 433 |
| Loan loss allowance to noncurrent loans | 105.1639% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 3.9711% | 1,292 |
| Noncurrent loans to loans | 3.5044% | 1,635 |
| Net loans and leases to total assets | 64.5117% | 2,934 |
| Net loans and leases to deposits | 75.3104% | 3,082 |
| Net loans and leases to core deposits | 76.2484% | 3,743 |
| Total domestic deposits to total assets | 85.6610% | 3,526 |
| Equity capital to assets | 11.2551% | 2,837 |
| Core capital (leverage) ratio | 11.5190% | 1,891 |
| Tier 1 risk-based capital ratio | 14.4297% | 4,153 |
| Total risk-based capital ratio | 15.7010% | 4,103 |
| Memoranda: |
| Average total assets | $497,480,330 | 1,360 |
| Average earning assets | $469,402,330 | 1,319 |
| Average equity | $53,687,670 | 1,330 |
| Average total loans | $344,749,670 | 1,222 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8765% | 2,334 |
| Cost of funding earning assets | 0.7869% | 3,569 |
| Net interest margin | 4.0896% | 2,141 |
| Noninterest income to average assets | -0.0512% | 7,142 |
| Noninterest expense to average assets | 3.4795% | 1,805 |
| Loan and lease loss provision to assets | 0.0808% | 4,384 |
| Net operating income to assets | 0.2207% | 5,919 |
| Return on assets (ROA) | 0.1224% | 6,316 |
| Pretax return on assets | 0.1280% | 6,340 |
| Return on Equity (ROE) | 1.1588% | 6,315 |
| Retained earnings to average equity (ytd only) | 1.1588% | 5,622 |
| Net charge-offs to loans | 0.1283% | 3,334 |
| Credit loss provision to net charge-offs | 89.3805% | 2,556 |
| Earnings coverage of net charge-offs (x) | 3.4425% | 2,839 |
| Efficiency ratio | 91.7898% | 954 |
| Assets per employee ($millions) | 3.5954% | 4,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.6051% | 233 |
| Loan loss allowance to noncurrent loans | 105.6017% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 4.6220% | 1,154 |
| Noncurrent loans to loans | 4.3608% | 1,361 |
| Net loans and leases to total assets | 66.3406% | 2,403 |
| Net loans and leases to deposits | 76.7114% | 2,704 |
| Net loans and leases to core deposits | 77.6409% | 3,378 |
| Total domestic deposits to total assets | 86.4808% | 3,258 |
| Equity capital to assets | 10.6922% | 3,280 |
| Core capital (leverage) ratio | 11.2154% | 2,101 |
| Tier 1 risk-based capital ratio | 13.4652% | 4,850 |
| Total risk-based capital ratio | 14.7473% | 4,816 |
| Memoranda: |
| Average total assets | $499,955,000 | 1,355 |
| Average earning assets | $469,677,000 | 1,324 |
| Average equity | $52,814,000 | 1,342 |
| Average total loans | $352,175,500 | 1,192 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9729% | 3,007 |
| Cost of funding earning assets | 1.0737% | 2,852 |
| Net interest margin | 3.8992% | 3,342 |
| Noninterest income to average assets | -0.0555% | 7,065 |
| Noninterest expense to average assets | 3.3878% | 2,274 |
| Loan and lease loss provision to assets | 1.1769% | 753 |
| Net operating income to assets | -0.9599% | 6,723 |
| Return on assets (ROA) | -1.0131% | 6,770 |
| Pretax return on assets | -1.0090% | 6,738 |
| Return on Equity (ROE) | -9.9351% | 6,740 |
| Retained earnings to average equity (ytd only) | -9.9351% | 6,704 |
| Net charge-offs to loans | 1.2800% | 1,294 |
| Credit loss provision to net charge-offs | 130.1367% | 2,354 |
| Earnings coverage of net charge-offs (x) | 0.2444% | 5,645 |
| Efficiency ratio | 93.8743% | 928 |
| Assets per employee ($millions) | 3.6508% | 4,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.4887% | 259 |
| Loan loss allowance to noncurrent loans | 83.2173% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 5.2554% | 991 |
| Noncurrent loans to loans | 5.3940% | 997 |
| Net loans and leases to total assets | 68.1368% | 2,373 |
| Net loans and leases to deposits | 79.0460% | 2,676 |
| Net loans and leases to core deposits | 80.0712% | 3,445 |
| Total domestic deposits to total assets | 86.1988% | 3,197 |
| Equity capital to assets | 10.4354% | 3,607 |
| Core capital (leverage) ratio | 10.9307% | 2,323 |
| Tier 1 risk-based capital ratio | 12.9826% | 5,086 |
| Total risk-based capital ratio | 14.2630% | 5,033 |
| Memoranda: |
| Average total assets | $541,913,200 | 1,221 |
| Average earning assets | $509,282,600 | 1,186 |
| Average equity | $55,258,800 | 1,230 |
| Average total loans | $382,901,000 | 1,111 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9513% | 3,319 |
| Cost of funding earning assets | 1.1410% | 2,689 |
| Net interest margin | 3.8103% | 3,822 |
| Noninterest income to average assets | 0.0456% | 6,970 |
| Noninterest expense to average assets | 3.3043% | 2,483 |
| Loan and lease loss provision to assets | 1.0645% | 785 |
| Net operating income to assets | -0.7444% | 6,774 |
| Return on assets (ROA) | -0.7761% | 6,824 |
| Pretax return on assets | -0.7678% | 6,769 |
| Return on Equity (ROE) | -7.6511% | 6,798 |
| Retained earnings to average equity (ytd only) | -7.6511% | 6,747 |
| Net charge-offs to loans | 1.2202% | 1,278 |
| Credit loss provision to net charge-offs | 123.7374% | 2,603 |
| Earnings coverage of net charge-offs (x) | 0.3816% | 5,325 |
| Efficiency ratio | 90.9629% | 1,112 |
| Assets per employee ($millions) | 3.6501% | 4,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.2428% | 329 |
| Loan loss allowance to noncurrent loans | 65.3541% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 6.1194% | 865 |
| Noncurrent loans to loans | 6.4920% | 813 |
| Net loans and leases to total assets | 67.9487% | 2,497 |
| Net loans and leases to deposits | 78.9635% | 2,823 |
| Net loans and leases to core deposits | 80.1097% | 3,617 |
| Total domestic deposits to total assets | 86.0508% | 3,193 |
| Equity capital to assets | 10.7399% | 3,432 |
| Core capital (leverage) ratio | 10.9089% | 2,466 |
| Tier 1 risk-based capital ratio | 13.2009% | 4,949 |
| Total risk-based capital ratio | 14.4785% | 4,902 |
| Memoranda: |
| Average total assets | $552,353,250 | 1,203 |
| Average earning assets | $519,985,750 | 1,162 |
| Average equity | $56,025,250 | 1,212 |
| Average total loans | $389,425,250 | 1,107 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8903% | 3,667 |
| Cost of funding earning assets | 1.1948% | 2,615 |
| Net interest margin | 3.6955% | 4,284 |
| Noninterest income to average assets | -0.0601% | 7,262 |
| Noninterest expense to average assets | 3.2618% | 2,694 |
| Loan and lease loss provision to assets | 0.9789% | 898 |
| Net operating income to assets | -0.8185% | 6,880 |
| Return on assets (ROA) | -0.8450% | 6,891 |
| Pretax return on assets | -0.8394% | 6,839 |
| Return on Equity (ROE) | -8.4814% | 6,881 |
| Retained earnings to average equity (ytd only) | -8.4814% | 6,797 |
| Net charge-offs to loans | 1.2290% | 1,278 |
| Credit loss provision to net charge-offs | 113.1944% | 2,710 |
| Earnings coverage of net charge-offs (x) | 0.1920% | 5,165 |
| Efficiency ratio | 95.1561% | 917 |
| Assets per employee ($millions) | 3.9168% | 3,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.8931% | 446 |
| Loan loss allowance to noncurrent loans | 42.6571% | 5,478 |
| Noncurrent assets plus other real estate owned to assets | 7.7807% | 607 |
| Noncurrent loans to loans | 9.1265% | 452 |
| Net loans and leases to total assets | 66.9134% | 2,836 |
| Net loans and leases to deposits | 77.6450% | 3,190 |
| Net loans and leases to core deposits | 78.9998% | 3,931 |
| Total domestic deposits to total assets | 86.1786% | 3,227 |
| Equity capital to assets | 10.1531% | 3,941 |
| Core capital (leverage) ratio | 10.4404% | 2,771 |
| Tier 1 risk-based capital ratio | 12.6903% | 5,186 |
| Total risk-based capital ratio | 13.9642% | 5,138 |
| Memoranda: |
| Average total assets | $566,131,670 | 1,184 |
| Average earning assets | $534,323,330 | 1,140 |
| Average equity | $56,406,000 | 1,184 |
| Average total loans | $398,362,000 | 1,087 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9051% | 3,564 |
| Cost of funding earning assets | 1.2048% | 2,782 |
| Net interest margin | 3.7003% | 4,100 |
| Noninterest income to average assets | -0.2762% | 7,450 |
| Noninterest expense to average assets | 3.1943% | 2,912 |
| Loan and lease loss provision to assets | 0.7687% | 1,113 |
| Net operating income to assets | -0.7374% | 6,930 |
| Return on assets (ROA) | -0.7735% | 6,957 |
| Pretax return on assets | -0.7735% | 6,904 |
| Return on Equity (ROE) | -7.8348% | 6,955 |
| Retained earnings to average equity (ytd only) | -7.8348% | 6,742 |
| Net charge-offs to loans | 0.7948% | 1,631 |
| Credit loss provision to net charge-offs | 136.7574% | 2,041 |
| Earnings coverage of net charge-offs (x) | 0.0557% | 4,548 |
| Efficiency ratio | 99.0295% | 784 |
| Assets per employee ($millions) | 3.9590% | 3,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.7285% | 516 |
| Loan loss allowance to noncurrent loans | 39.6939% | 5,641 |
| Noncurrent assets plus other real estate owned to assets | 7.3560% | 697 |
| Noncurrent loans to loans | 9.3931% | 453 |
| Net loans and leases to total assets | 67.1951% | 2,710 |
| Net loans and leases to deposits | 77.4010% | 3,173 |
| Net loans and leases to core deposits | 78.5871% | 3,941 |
| Total domestic deposits to total assets | 86.8142% | 3,046 |
| Equity capital to assets | 9.9554% | 3,832 |
| Core capital (leverage) ratio | 10.4062% | 2,696 |
| Tier 1 risk-based capital ratio | 12.4941% | 5,274 |
| Total risk-based capital ratio | 13.7667% | 5,229 |
| Memoranda: |
| Average total assets | $575,024,500 | 1,170 |
| Average earning assets | $544,171,000 | 1,120 |
| Average equity | $56,772,000 | 1,172 |
| Average total loans | $406,653,000 | 1,069 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8465% | 5,245 |
| Cost of funding earning assets | 1.5080% | 2,591 |
| Net interest margin | 3.3385% | 5,841 |
| Noninterest income to average assets | 0.1217% | 6,800 |
| Noninterest expense to average assets | 3.1850% | 3,149 |
| Loan and lease loss provision to assets | 2.3729% | 491 |
| Net operating income to assets | -2.2826% | 7,135 |
| Return on assets (ROA) | -2.3735% | 7,165 |
| Pretax return on assets | -2.3485% | 7,126 |
| Return on Equity (ROE) | -24.8647% | 7,132 |
| Retained earnings to average equity (ytd only) | -24.8647% | 7,112 |
| Net charge-offs to loans | 3.8604% | 343 |
| Credit loss provision to net charge-offs | 90.7362% | 5,100 |
| Earnings coverage of net charge-offs (x) | 0.0441% | 6,071 |
| Efficiency ratio | 96.5080% | 944 |
| Assets per employee ($millions) | 3.9997% | 3,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5000% | 596 |
| Loan loss allowance to noncurrent loans | 42.9919% | 5,445 |
| Noncurrent assets plus other real estate owned to assets | 6.7462% | 830 |
| Noncurrent loans to loans | 8.1411% | 627 |
| Net loans and leases to total assets | 69.1185% | 2,736 |
| Net loans and leases to deposits | 80.5138% | 3,071 |
| Net loans and leases to core deposits | 81.9432% | 3,915 |
| Total domestic deposits to total assets | 85.8467% | 3,435 |
| Equity capital to assets | 9.7919% | 4,009 |
| Core capital (leverage) ratio | 10.0352% | 3,055 |
| Tier 1 risk-based capital ratio | 12.0894% | 5,395 |
| Total risk-based capital ratio | 13.3592% | 5,361 |
| Memoranda: |
| Average total assets | $645,593,400 | 1,033 |
| Average earning assets | $614,648,200 | 982 |
| Average equity | $61,625,400 | 1,084 |
| Average total loans | $437,342,000 | 1,027 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7884% | 5,712 |
| Cost of funding earning assets | 1.5500% | 2,676 |
| Net interest margin | 3.2384% | 6,217 |
| Noninterest income to average assets | 0.1613% | 6,710 |
| Noninterest expense to average assets | 3.1322% | 3,183 |
| Loan and lease loss provision to assets | 2.3550% | 463 |
| Net operating income to assets | -2.2507% | 7,292 |
| Return on assets (ROA) | -2.2936% | 7,318 |
| Pretax return on assets | -2.2803% | 7,268 |
| Return on Equity (ROE) | -24.1645% | 7,297 |
| Retained earnings to average equity (ytd only) | -24.1645% | 7,287 |
| Net charge-offs to loans | 3.8331% | 329 |
| Credit loss provision to net charge-offs | 91.8467% | 4,697 |
| Earnings coverage of net charge-offs (x) | 0.0459% | 5,983 |
| Efficiency ratio | 96.3808% | 890 |
| Assets per employee ($millions) | 4.0019% | 3,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6020% | 501 |
| Loan loss allowance to noncurrent loans | 35.5698% | 5,957 |
| Noncurrent assets plus other real estate owned to assets | 7.5928% | 686 |
| Noncurrent loans to loans | 10.1265% | 408 |
| Net loans and leases to total assets | 64.1782% | 4,088 |
| Net loans and leases to deposits | 74.1923% | 4,474 |
| Net loans and leases to core deposits | 75.4323% | 5,127 |
| Total domestic deposits to total assets | 86.5025% | 2,802 |
| Equity capital to assets | 9.1456% | 5,387 |
| Core capital (leverage) ratio | 9.5481% | 3,832 |
| Tier 1 risk-based capital ratio | 11.8826% | 5,568 |
| Total risk-based capital ratio | 13.1531% | 5,526 |
| Memoranda: |
| Average total assets | $662,002,250 | 1,015 |
| Average earning assets | $631,375,750 | 962 |
| Average equity | $62,834,500 | 1,066 |
| Average total loans | $442,828,250 | 1,019 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8157% | 5,739 |
| Cost of funding earning assets | 1.5877% | 2,727 |
| Net interest margin | 3.2280% | 6,226 |
| Noninterest income to average assets | 0.1803% | 6,620 |
| Noninterest expense to average assets | 2.9556% | 3,872 |
| Loan and lease loss provision to assets | 1.5100% | 877 |
| Net operating income to assets | -1.2174% | 7,039 |
| Return on assets (ROA) | -1.2337% | 7,061 |
| Pretax return on assets | -1.2183% | 6,977 |
| Return on Equity (ROE) | -12.8525% | 7,069 |
| Retained earnings to average equity (ytd only) | -12.8525% | 7,028 |
| Net charge-offs to loans | 2.4829% | 698 |
| Credit loss provision to net charge-offs | 90.7841% | 4,402 |
| Earnings coverage of net charge-offs (x) | 0.1852% | 5,539 |
| Efficiency ratio | 90.5607% | 1,291 |
| Assets per employee ($millions) | 3.9600% | 3,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6255% | 502 |
| Loan loss allowance to noncurrent loans | 28.8797% | 6,439 |
| Noncurrent assets plus other real estate owned to assets | 8.8317% | 513 |
| Noncurrent loans to loans | 12.5536% | 254 |
| Net loans and leases to total assets | 64.1996% | 4,221 |
| Net loans and leases to deposits | 74.2677% | 4,635 |
| Net loans and leases to core deposits | 75.7208% | 5,228 |
| Total domestic deposits to total assets | 86.4435% | 2,850 |
| Equity capital to assets | 9.8579% | 4,193 |
| Core capital (leverage) ratio | 10.0798% | 3,087 |
| Tier 1 risk-based capital ratio | 12.6701% | 4,713 |
| Total risk-based capital ratio | 13.9408% | 4,670 |
| Memoranda: |
| Average total assets | $673,235,670 | 1,003 |
| Average earning assets | $643,063,670 | 954 |
| Average equity | $64,625,330 | 1,031 |
| Average total loans | $451,004,330 | 1,012 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8672% | 5,619 |
| Cost of funding earning assets | 1.6151% | 2,868 |
| Net interest margin | 3.2521% | 6,122 |
| Noninterest income to average assets | 0.2148% | 6,426 |
| Noninterest expense to average assets | 2.8950% | 4,080 |
| Loan and lease loss provision to assets | 1.5334% | 761 |
| Net operating income to assets | -1.1230% | 7,178 |
| Return on assets (ROA) | -1.1230% | 7,194 |
| Pretax return on assets | -1.1049% | 7,101 |
| Return on Equity (ROE) | -11.8484% | 7,208 |
| Retained earnings to average equity (ytd only) | -11.8484% | 7,060 |
| Net charge-offs to loans | 1.6797% | 1,030 |
| Credit loss provision to net charge-offs | 135.9133% | 2,603 |
| Earnings coverage of net charge-offs (x) | 0.3798% | 4,700 |
| Efficiency ratio | 87.1081% | 1,675 |
| Assets per employee ($millions) | 4.1354% | 3,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.7390% | 455 |
| Loan loss allowance to noncurrent loans | 33.4621% | 6,171 |
| Noncurrent assets plus other real estate owned to assets | 7.5642% | 669 |
| Noncurrent loans to loans | 11.1739% | 344 |
| Net loans and leases to total assets | 63.7735% | 4,380 |
| Net loans and leases to deposits | 73.3596% | 4,847 |
| Net loans and leases to core deposits | 76.1832% | 5,235 |
| Total domestic deposits to total assets | 86.9327% | 2,666 |
| Equity capital to assets | 9.5418% | 4,463 |
| Core capital (leverage) ratio | 10.1246% | 3,012 |
| Tier 1 risk-based capital ratio | 12.4943% | 4,761 |
| Total risk-based capital ratio | 13.7660% | 4,687 |
| Memoranda: |
| Average total assets | $687,111,500 | 1,001 |
| Average earning assets | $656,804,500 | 957 |
| Average equity | $65,122,500 | 1,026 |
| Average total loans | $461,513,000 | 1,022 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0755% | 6,175 |
| Cost of funding earning assets | 2.3106% | 1,612 |
| Net interest margin | 2.7649% | 7,117 |
| Noninterest income to average assets | 0.1871% | 6,749 |
| Noninterest expense to average assets | 2.8235% | 4,871 |
| Loan and lease loss provision to assets | 3.0851% | 552 |
| Net operating income to assets | -3.1278% | 7,428 |
| Return on assets (ROA) | -3.1092% | 7,429 |
| Pretax return on assets | -3.0602% | 7,309 |
| Return on Equity (ROE) | -32.9276% | 7,451 |
| Retained earnings to average equity (ytd only) | -32.9276% | 7,437 |
| Net charge-offs to loans | 4.9571% | 269 |
| Credit loss provision to net charge-offs | 97.4925% | 5,706 |
| Earnings coverage of net charge-offs (x) | 0.0020% | 6,192 |
| Efficiency ratio | 99.7789% | 1,113 |
| Assets per employee ($millions) | 4.2183% | 3,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3995% | 576 |
| Loan loss allowance to noncurrent loans | 29.3141% | 6,518 |
| Noncurrent assets plus other real estate owned to assets | 8.0690% | 552 |
| Noncurrent loans to loans | 11.5969% | 301 |
| Net loans and leases to total assets | 65.7464% | 4,219 |
| Net loans and leases to deposits | 76.7377% | 4,619 |
| Net loans and leases to core deposits | 94.6878% | 4,603 |
| Total domestic deposits to total assets | 85.6768% | 3,181 |
| Equity capital to assets | 9.4153% | 4,533 |
| Core capital (leverage) ratio | 9.7878% | 3,338 |
| Tier 1 risk-based capital ratio | 12.3241% | 4,657 |
| Total risk-based capital ratio | 13.5928% | 4,607 |
| Memoranda: |
| Average total assets | $798,995,800 | 859 |
| Average earning assets | $763,686,200 | 814 |
| Average equity | $75,444,200 | 850 |
| Average total loans | $510,056,200 | 936 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0938% | 6,291 |
| Cost of funding earning assets | 2.4194% | 1,563 |
| Net interest margin | 2.6745% | 7,255 |
| Noninterest income to average assets | 0.2126% | 6,709 |
| Noninterest expense to average assets | 2.7277% | 5,205 |
| Loan and lease loss provision to assets | 3.1343% | 454 |
| Net operating income to assets | -3.1639% | 7,626 |
| Return on assets (ROA) | -3.1091% | 7,621 |
| Pretax return on assets | -3.0409% | 7,519 |
| Return on Equity (ROE) | -32.9072% | 7,661 |
| Retained earnings to average equity (ytd only) | -32.9072% | 7,652 |
| Net charge-offs to loans | 4.2045% | 319 |
| Credit loss provision to net charge-offs | 118.4289% | 4,284 |
| Earnings coverage of net charge-offs (x) | 0.0146% | 6,046 |
| Efficiency ratio | 98.6033% | 1,132 |
| Assets per employee ($millions) | 4.6051% | 2,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.9477% | 309 |
| Loan loss allowance to noncurrent loans | 44.0086% | 5,380 |
| Noncurrent assets plus other real estate owned to assets | 5.9801% | 905 |
| Noncurrent loans to loans | 8.9702% | 500 |
| Net loans and leases to total assets | 63.2594% | 5,026 |
| Net loans and leases to deposits | 74.1894% | 5,341 |
| Net loans and leases to core deposits | 92.3667% | 5,200 |
| Total domestic deposits to total assets | 85.2675% | 3,090 |
| Equity capital to assets | 9.4781% | 4,772 |
| Core capital (leverage) ratio | 9.7474% | 3,574 |
| Tier 1 risk-based capital ratio | 12.6651% | 4,426 |
| Total risk-based capital ratio | 13.9396% | 4,354 |
| Memoranda: |
| Average total assets | $824,740,250 | 832 |
| Average earning assets | $787,519,750 | 792 |
| Average equity | $77,922,250 | 840 |
| Average total loans | $519,142,500 | 935 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1657% | 6,206 |
| Cost of funding earning assets | 2.4661% | 1,726 |
| Net interest margin | 2.6996% | 7,201 |
| Noninterest income to average assets | 0.1890% | 6,943 |
| Noninterest expense to average assets | 2.5958% | 5,757 |
| Loan and lease loss provision to assets | 2.2184% | 720 |
| Net operating income to assets | -2.1343% | 7,463 |
| Return on assets (ROA) | -2.0102% | 7,425 |
| Pretax return on assets | -1.9275% | 7,267 |
| Return on Equity (ROE) | -21.2967% | 7,540 |
| Retained earnings to average equity (ytd only) | -21.2967% | 7,495 |
| Net charge-offs to loans | 3.6461% | 415 |
| Credit loss provision to net charge-offs | 98.0163% | 4,677 |
| Earnings coverage of net charge-offs (x) | 0.0737% | 5,606 |
| Efficiency ratio | 93.9612% | 1,496 |
| Assets per employee ($millions) | 4.7349% | 2,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2476% | 469 |
| Loan loss allowance to noncurrent loans | 42.3417% | 5,532 |
| Noncurrent assets plus other real estate owned to assets | 4.8868% | 1,109 |
| Noncurrent loans to loans | 7.6699% | 597 |
| Net loans and leases to total assets | 60.5361% | 5,600 |
| Net loans and leases to deposits | 70.8365% | 5,893 |
| Net loans and leases to core deposits | 88.7210% | 5,660 |
| Total domestic deposits to total assets | 85.4590% | 3,037 |
| Equity capital to assets | 9.4041% | 4,745 |
| Core capital (leverage) ratio | 10.4790% | 2,828 |
| Tier 1 risk-based capital ratio | 13.4993% | 3,815 |
| Total risk-based capital ratio | 14.7659% | 3,743 |
| Memoranda: |
| Average total assets | $846,375,330 | 831 |
| Average earning assets | $806,860,330 | 789 |
| Average equity | $79,890,330 | 825 |
| Average total loans | $525,382,670 | 939 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3253% | 5,784 |
| Cost of funding earning assets | 2.2956% | 2,718 |
| Net interest margin | 3.0297% | 6,402 |
| Noninterest income to average assets | 0.1349% | 7,333 |
| Noninterest expense to average assets | 2.2261% | 6,782 |
| Loan and lease loss provision to assets | 1.3237% | 974 |
| Net operating income to assets | -0.5703% | 6,943 |
| Return on assets (ROA) | -0.5703% | 6,987 |
| Pretax return on assets | -0.5703% | 6,880 |
| Return on Equity (ROE) | -5.5399% | 7,023 |
| Retained earnings to average equity (ytd only) | -5.5399% | 6,623 |
| Net charge-offs to loans | 2.3742% | 612 |
| Credit loss provision to net charge-offs | 101.9885% | 3,672 |
| Earnings coverage of net charge-offs (x) | 0.5805% | 4,530 |
| Efficiency ratio | 74.7136% | 3,703 |
| Assets per employee ($millions) | 6.6948% | 881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6063% | 681 |
| Loan loss allowance to noncurrent loans | 120.6884% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 1.3422% | 3,982 |
| Noncurrent loans to loans | 2.1595% | 3,038 |
| Net loans and leases to total assets | 52.9248% | 6,587 |
| Net loans and leases to deposits | 65.4199% | 6,425 |
| Net loans and leases to core deposits | 79.7016% | 6,405 |
| Total domestic deposits to total assets | 80.9002% | 5,011 |
| Equity capital to assets | 10.4164% | 3,554 |
| Core capital (leverage) ratio | 11.4889% | 2,156 |
| Tier 1 risk-based capital ratio | 16.3810% | 2,560 |
| Total risk-based capital ratio | 17.6405% | 2,500 |
| Memoranda: |
| Average total assets | $480,481,500 | 1,483 |
| Average earning assets | $451,126,500 | 1,430 |
| Average equity | $49,459,000 | 1,393 |
| Average total loans | $262,657,000 | 1,887 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8602% | 6,233 |
| Cost of funding earning assets | 2.6433% | 3,471 |
| Net interest margin | 3.2169% | 6,320 |
| Noninterest income to average assets | 0.1198% | 7,522 |
| Noninterest expense to average assets | 2.3571% | 6,544 |
| Loan and lease loss provision to assets | 0.9812% | 1,501 |
| Net operating income to assets | -0.1290% | 6,533 |
| Return on assets (ROA) | -0.3157% | 6,617 |
| Pretax return on assets | -0.4671% | 6,628 |
| Return on Equity (ROE) | -2.8735% | 6,603 |
| Retained earnings to average equity (ytd only) | -2.8735% | 6,074 |
| Net charge-offs to loans | 2.8933% | 309 |
| Credit loss provision to net charge-offs | 62.5243% | 6,197 |
| Earnings coverage of net charge-offs (x) | 0.5025% | 5,934 |
| Efficiency ratio | 74.9304% | 3,411 |
| Assets per employee ($millions) | 6.3899% | 936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5096% | 672 |
| Loan loss allowance to noncurrent loans | 482.0863% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.4514% | 5,867 |
| Noncurrent loans to loans | 0.5206% | 5,793 |
| Net loans and leases to total assets | 53.6029% | 6,693 |
| Net loans and leases to deposits | 69.5906% | 6,317 |
| Net loans and leases to core deposits | 87.0286% | 6,060 |
| Total domestic deposits to total assets | 77.0261% | 5,981 |
| Equity capital to assets | 10.1735% | 3,838 |
| Core capital (leverage) ratio | 11.1038% | 2,505 |
| Tier 1 risk-based capital ratio | 16.6535% | 2,432 |
| Total risk-based capital ratio | 17.9134% | 2,366 |
| Memoranda: |
| Average total assets | $490,731,400 | 1,390 |
| Average earning assets | $461,588,200 | 1,351 |
| Average equity | $53,906,200 | 1,249 |
| Average total loans | $266,164,400 | 1,796 |
