| 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 | 5.3006% | 1,493 |
| Cost of funding earning assets | 1.8831% | 1,101 |
| Net interest margin | 3.4175% | 2,367 |
| Noninterest income to average assets | 0.7800% | 987 |
| Noninterest expense to average assets | 3.1110% | 945 |
| Loan and lease loss provision to assets | 0.1900% | 662 |
| Net operating income to assets | 0.6244% | 3,375 |
| Return on assets (ROA) | 0.5974% | 3,439 |
| Pretax return on assets | 0.6185% | 3,603 |
| Return on Equity (ROE) | 10.3100% | 2,403 |
| Retained earnings to average equity (ytd only) | 4.6255% | 2,745 |
| Net charge-offs to loans | 0.0547% | 1,315 |
| Credit loss provision to net charge-offs | 542.4812% | 635 |
| Earnings coverage of net charge-offs (x) | 23.8609% | 1,782 |
| Efficiency ratio | 76.6652% | 1,193 |
| Assets per employee ($millions) | 6.1877% | 2,655 |
| Cash dividends to net income (ytd only)* | 55.1511% | 1,396 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9673% | 403 |
| Loan loss allowance to noncurrent loans | 652.7479% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.2049% | 2,200 |
| Noncurrent loans to loans | 0.3014% | 2,103 |
| Net loans and leases to total assets | 64.0100% | 2,460 |
| Net loans and leases to deposits | 85.4985% | 1,652 |
| Net loans and leases to core deposits | 97.5178% | 1,566 |
| Total domestic deposits to total assets | 74.8700% | 4,041 |
| Equity capital to assets | 6.3759% | 4,149 |
| Core capital (leverage) ratio | 8.5497% | 4,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3488% | 2,478 |
| Memoranda: |
| Average total assets | $758,737,600 | 1,230 |
| Average earning assets | $702,528,800 | 1,226 |
| Average equity | $43,952,000 | 1,762 |
| Average total loans | $486,470,400 | 1,262 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0884% | 1,654 |
| Cost of funding earning assets | 1.6996% | 1,189 |
| Net interest margin | 3.3889% | 2,479 |
| Noninterest income to average assets | 0.7700% | 1,012 |
| Noninterest expense to average assets | 3.1074% | 923 |
| Loan and lease loss provision to assets | 0.1900% | 580 |
| Net operating income to assets | 0.5926% | 3,563 |
| Return on assets (ROA) | 0.5725% | 3,603 |
| Pretax return on assets | 0.5859% | 3,762 |
| Return on Equity (ROE) | 10.1600% | 2,596 |
| Retained earnings to average equity (ytd only) | 10.1585% | 1,359 |
| Net charge-offs to loans | 0.0394% | 1,325 |
| Credit loss provision to net charge-offs | 739.7163% | 494 |
| Earnings coverage of net charge-offs (x) | 31.5035% | 1,569 |
| Efficiency ratio | 77.4784% | 1,048 |
| Assets per employee ($millions) | 5.7876% | 2,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0237% | 373 |
| Loan loss allowance to noncurrent loans | 121.4562% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 1.0926% | 446 |
| Noncurrent loans to loans | 1.6662% | 410 |
| Net loans and leases to total assets | 63.7500% | 2,470 |
| Net loans and leases to deposits | 88.1808% | 1,369 |
| Net loans and leases to core deposits | 95.3945% | 1,589 |
| Total domestic deposits to total assets | 72.2900% | 4,244 |
| Equity capital to assets | 5.2054% | 4,216 |
| Core capital (leverage) ratio | 9.0798% | 3,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9167% | 2,294 |
| Memoranda: |
| Average total assets | $747,321,750 | 1,243 |
| Average earning assets | $690,829,250 | 1,241 |
| Average equity | $42,118,000 | 1,795 |
| Average total loans | $476,780,750 | 1,279 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9155% | 1,730 |
| Cost of funding earning assets | 1.5138% | 1,216 |
| Net interest margin | 3.4017% | 2,504 |
| Noninterest income to average assets | 0.8500% | 770 |
| Noninterest expense to average assets | 3.1492% | 842 |
| Loan and lease loss provision to assets | 0.2000% | 537 |
| Net operating income to assets | 0.6387% | 3,488 |
| Return on assets (ROA) | 0.6390% | 3,500 |
| Pretax return on assets | 0.6471% | 3,708 |
| Return on Equity (ROE) | 11.0500% | 2,403 |
| Retained earnings to average equity (ytd only) | 11.0485% | 1,178 |
| Net charge-offs to loans | 0.0774% | 805 |
| Credit loss provision to net charge-offs | 408.2418% | 726 |
| Earnings coverage of net charge-offs (x) | 17.2637% | 1,806 |
| Efficiency ratio | 76.6361% | 1,121 |
| Assets per employee ($millions) | 5.5654% | 3,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0498% | 382 |
| Loan loss allowance to noncurrent loans | 104.3488% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 1.2670% | 312 |
| Noncurrent loans to loans | 1.9644% | 288 |
| Net loans and leases to total assets | 62.7400% | 2,503 |
| Net loans and leases to deposits | 81.3754% | 1,881 |
| Net loans and leases to core deposits | 87.4934% | 1,968 |
| Total domestic deposits to total assets | 77.1000% | 3,941 |
| Equity capital to assets | 5.9849% | 4,159 |
| Core capital (leverage) ratio | 8.5779% | 4,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7145% | 2,399 |
| Memoranda: |
| Average total assets | $741,775,333 | 1,248 |
| Average earning assets | $685,303,000 | 1,247 |
| Average equity | $42,901,667 | 1,787 |
| Average total loans | $470,018,000 | 1,280 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7889% | 1,652 |
| Cost of funding earning assets | 1.3630% | 1,109 |
| Net interest margin | 3.4259% | 2,564 |
| Noninterest income to average assets | 1.0800% | 514 |
| Noninterest expense to average assets | 3.1970% | 804 |
| Loan and lease loss provision to assets | 0.2400% | 401 |
| Net operating income to assets | 0.7929% | 3,213 |
| Return on assets (ROA) | 0.7935% | 3,164 |
| Pretax return on assets | 0.8015% | 3,462 |
| Return on Equity (ROE) | 13.9600% | 1,783 |
| Retained earnings to average equity (ytd only) | 13.9613% | 945 |
| Net charge-offs to loans | 0.0795% | 674 |
| Credit loss provision to net charge-offs | 476.3441% | 568 |
| Earnings coverage of net charge-offs (x) | 20.7527% | 1,440 |
| Efficiency ratio | 73.4266% | 1,394 |
| Assets per employee ($millions) | 5.7125% | 3,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0191% | 420 |
| Loan loss allowance to noncurrent loans | 90.2849% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 1.4267% | 238 |
| Noncurrent loans to loans | 2.2363% | 229 |
| Net loans and leases to total assets | 62.1300% | 2,452 |
| Net loans and leases to deposits | 81.4794% | 1,709 |
| Net loans and leases to core deposits | 86.6416% | 1,829 |
| Total domestic deposits to total assets | 76.2500% | 4,145 |
| Equity capital to assets | 5.9173% | 4,230 |
| Core capital (leverage) ratio | 8.3097% | 4,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2541% | 2,647 |
| Memoranda: |
| Average total assets | $742,564,500 | 1,261 |
| Average earning assets | $685,257,500 | 1,263 |
| Average equity | $42,202,500 | 1,826 |
| Average total loans | $467,977,500 | 1,293 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4053% | 876 |
| Cost of funding earning assets | 0.5457% | 1,129 |
| Net interest margin | 3.8596% | 1,050 |
| Noninterest income to average assets | 0.7000% | 1,294 |
| Noninterest expense to average assets | 3.0736% | 867 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.0607% | 2,332 |
| Return on assets (ROA) | 1.0570% | 2,294 |
| Pretax return on assets | 1.1209% | 2,705 |
| Return on Equity (ROE) | 15.6000% | 1,122 |
| Retained earnings to average equity (ytd only) | 4.8636% | 3,110 |
| Net charge-offs to loans | 0.1099% | 682 |
| Credit loss provision to net charge-offs | 113.5417% | 1,491 |
| Earnings coverage of net charge-offs (x) | 17.4396% | 1,956 |
| Efficiency ratio | 69.8921% | 1,697 |
| Assets per employee ($millions) | 5.7559% | 2,984 |
| Cash dividends to net income (ytd only)* | 68.8290% | 695 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9689% | 456 |
| Loan loss allowance to noncurrent loans | 501.4786% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.2927% | 1,686 |
| Noncurrent loans to loans | 0.3926% | 1,744 |
| Net loans and leases to total assets | 61.4000% | 2,502 |
| Net loans and leases to deposits | 81.3937% | 1,666 |
| Net loans and leases to core deposits | 84.6958% | 1,831 |
| Total domestic deposits to total assets | 75.4400% | 4,287 |
| Equity capital to assets | 5.4494% | 4,255 |
| Core capital (leverage) ratio | 8.2056% | 4,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5684% | 2,846 |
| Memoranda: |
| Average total assets | $695,675,000 | 1,316 |
| Average earning assets | $645,047,800 | 1,310 |
| Average equity | $47,125,600 | 1,699 |
| Average total loans | $436,788,800 | 1,302 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3017% | 731 |
| Cost of funding earning assets | 0.3971% | 1,310 |
| Net interest margin | 3.9046% | 798 |
| Noninterest income to average assets | 0.7000% | 1,324 |
| Noninterest expense to average assets | 3.0775% | 815 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.1072% | 2,060 |
| Return on assets (ROA) | 1.1020% | 2,051 |
| Pretax return on assets | 1.1624% | 2,518 |
| Return on Equity (ROE) | 15.4500% | 1,090 |
| Retained earnings to average equity (ytd only) | 15.4477% | 327 |
| Net charge-offs to loans | 0.1077% | 580 |
| Credit loss provision to net charge-offs | 113.8329% | 1,249 |
| Earnings coverage of net charge-offs (x) | 18.4035% | 1,761 |
| Efficiency ratio | 69.2734% | 1,851 |
| Assets per employee ($millions) | 5.6495% | 3,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0548% | 458 |
| Loan loss allowance to noncurrent loans | 582.7806% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.2655% | 1,892 |
| Noncurrent loans to loans | 0.3526% | 1,970 |
| Net loans and leases to total assets | 61.6800% | 2,328 |
| Net loans and leases to deposits | 75.1025% | 1,951 |
| Net loans and leases to core deposits | 76.8312% | 2,128 |
| Total domestic deposits to total assets | 82.1300% | 3,823 |
| Equity capital to assets | 5.2057% | 4,233 |
| Core capital (leverage) ratio | 8.9196% | 3,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0648% | 2,452 |
| Memoranda: |
| Average total assets | $683,966,250 | 1,336 |
| Average earning assets | $635,232,250 | 1,332 |
| Average equity | $48,791,500 | 1,672 |
| Average total loans | $429,712,750 | 1,307 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2058% | 625 |
| Cost of funding earning assets | 0.3387% | 1,378 |
| Net interest margin | 3.8671% | 653 |
| Noninterest income to average assets | 0.6784% | 1,436 |
| Noninterest expense to average assets | 3.0664% | 768 |
| Loan and lease loss provision to assets | 0.0724% | 1,328 |
| Net operating income to assets | 1.0779% | 1,865 |
| Return on assets (ROA) | 1.0737% | 1,854 |
| Pretax return on assets | 1.1298% | 2,308 |
| Return on Equity (ROE) | 13.7572% | 1,177 |
| Retained earnings to average equity (ytd only) | 13.7572% | 389 |
| Net charge-offs to loans | 0.0942% | 610 |
| Credit loss provision to net charge-offs | 122.5000% | 1,176 |
| Earnings coverage of net charge-offs (x) | 20.4100% | 1,549 |
| Efficiency ratio | 69.9204% | 1,970 |
| Assets per employee ($millions) | 5.6168% | 3,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0670% | 481 |
| Loan loss allowance to noncurrent loans | 344.1055% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.4183% | 1,352 |
| Noncurrent loans to loans | 0.6007% | 1,410 |
| Net loans and leases to total assets | 61.6509% | 2,161 |
| Net loans and leases to deposits | 74.9275% | 1,763 |
| Net loans and leases to core deposits | 75.9248% | 2,022 |
| Total domestic deposits to total assets | 82.2807% | 3,972 |
| Equity capital to assets | 6.2749% | 4,110 |
| Core capital (leverage) ratio | 9.2924% | 3,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9008% | 2,530 |
| Memoranda: |
| Average total assets | $676,561,000 | 1,353 |
| Average earning assets | $628,890,667 | 1,354 |
| Average equity | $52,801,333 | 1,612 |
| Average total loans | $424,713,000 | 1,313 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1394% | 587 |
| Cost of funding earning assets | 0.3247% | 1,416 |
| Net interest margin | 3.8147% | 620 |
| Noninterest income to average assets | 0.5737% | 1,807 |
| Noninterest expense to average assets | 2.9515% | 881 |
| Loan and lease loss provision to assets | 0.0934% | 882 |
| Net operating income to assets | 1.0280% | 1,768 |
| Return on assets (ROA) | 1.0280% | 1,757 |
| Pretax return on assets | 1.0823% | 2,198 |
| Return on Equity (ROE) | 11.9355% | 1,331 |
| Retained earnings to average equity (ytd only) | 11.9355% | 615 |
| Net charge-offs to loans | 0.1077% | 495 |
| Credit loss provision to net charge-offs | 138.3929% | 885 |
| Earnings coverage of net charge-offs (x) | 17.4196% | 1,323 |
| Efficiency ratio | 69.9664% | 2,237 |
| Assets per employee ($millions) | 5.7262% | 3,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1102% | 512 |
| Loan loss allowance to noncurrent loans | 317.4835% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.4595% | 1,327 |
| Noncurrent loans to loans | 0.6647% | 1,427 |
| Net loans and leases to total assets | 61.1546% | 1,946 |
| Net loans and leases to deposits | 74.2758% | 1,579 |
| Net loans and leases to core deposits | 75.3166% | 1,822 |
| Total domestic deposits to total assets | 82.3345% | 4,036 |
| Equity capital to assets | 7.5155% | 3,923 |
| Core capital (leverage) ratio | 9.1321% | 3,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8945% | 2,643 |
| Memoranda: |
| Average total assets | $663,794,500 | 1,376 |
| Average earning assets | $618,351,500 | 1,375 |
| Average equity | $57,174,000 | 1,543 |
| Average total loans | $416,078,000 | 1,326 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6953% | 424 |
| Cost of funding earning assets | 0.4011% | 1,538 |
| Net interest margin | 4.2943% | 408 |
| Noninterest income to average assets | 0.6037% | 2,139 |
| Noninterest expense to average assets | 2.8943% | 1,165 |
| Loan and lease loss provision to assets | 0.1657% | 707 |
| Net operating income to assets | 1.5532% | 904 |
| Return on assets (ROA) | 1.6820% | 685 |
| Pretax return on assets | 1.6820% | 1,194 |
| Return on Equity (ROE) | 16.7875% | 622 |
| Retained earnings to average equity (ytd only) | 5.7733% | 2,454 |
| Net charge-offs to loans | 0.1076% | 819 |
| Credit loss provision to net charge-offs | 234.8837% | 1,210 |
| Earnings coverage of net charge-offs (x) | 24.3605% | 1,748 |
| Efficiency ratio | 62.7397% | 2,759 |
| Assets per employee ($millions) | 6.1031% | 2,660 |
| Cash dividends to net income (ytd only)* | 65.6098% | 884 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2767% | 398 |
| Loan loss allowance to noncurrent loans | 301.7259% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.5231% | 1,282 |
| Noncurrent loans to loans | 0.7546% | 1,346 |
| Net loans and leases to total assets | 61.4774% | 2,004 |
| Net loans and leases to deposits | 75.6864% | 1,588 |
| Net loans and leases to core deposits | 76.7379% | 1,856 |
| Total domestic deposits to total assets | 81.2265% | 4,074 |
| Equity capital to assets | 9.8115% | 2,840 |
| Core capital (leverage) ratio | 9.7369% | 2,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8404% | 1,911 |
| Memoranda: |
| Average total assets | $609,396,200 | 1,431 |
| Average earning assets | $568,992,800 | 1,433 |
| Average equity | $61,057,200 | 1,497 |
| Average total loans | $399,800,800 | 1,373 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7053% | 482 |
| Cost of funding earning assets | 0.4159% | 1,575 |
| Net interest margin | 4.2894% | 463 |
| Noninterest income to average assets | 0.5810% | 2,294 |
| Noninterest expense to average assets | 2.8708% | 1,188 |
| Loan and lease loss provision to assets | 0.0730% | 1,586 |
| Net operating income to assets | 1.6389% | 938 |
| Return on assets (ROA) | 1.8005% | 692 |
| Pretax return on assets | 1.8005% | 1,159 |
| Return on Equity (ROE) | 17.8732% | 643 |
| Retained earnings to average equity (ytd only) | 14.5812% | 451 |
| Net charge-offs to loans | 0.1177% | 665 |
| Credit loss provision to net charge-offs | 93.4844% | 1,642 |
| Earnings coverage of net charge-offs (x) | 21.9348% | 1,697 |
| Efficiency ratio | 62.6447% | 2,588 |
| Assets per employee ($millions) | 5.9891% | 2,709 |
| Cash dividends to net income (ytd only)* | 18.4185% | 2,621 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1124% | 524 |
| Loan loss allowance to noncurrent loans | 211.4848% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.7090% | 1,045 |
| Noncurrent loans to loans | 0.9988% | 1,149 |
| Net loans and leases to total assets | 63.1576% | 1,873 |
| Net loans and leases to deposits | 75.9196% | 1,679 |
| Net loans and leases to core deposits | 77.2487% | 1,941 |
| Total domestic deposits to total assets | 83.1902% | 3,657 |
| Equity capital to assets | 10.4591% | 2,480 |
| Core capital (leverage) ratio | 10.5854% | 1,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7115% | 1,721 |
| Memoranda: |
| Average total assets | $603,064,250 | 1,459 |
| Average earning assets | $562,612,250 | 1,465 |
| Average equity | $60,752,500 | 1,523 |
| Average total loans | $399,925,250 | 1,406 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5686% | 654 |
| Cost of funding earning assets | 0.4358% | 1,608 |
| Net interest margin | 4.1328% | 655 |
| Noninterest income to average assets | 0.5435% | 2,435 |
| Noninterest expense to average assets | 2.8354% | 1,278 |
| Loan and lease loss provision to assets | 0.1107% | 1,143 |
| Net operating income to assets | 1.4485% | 1,421 |
| Return on assets (ROA) | 1.6936% | 930 |
| Pretax return on assets | 1.6936% | 1,491 |
| Return on Equity (ROE) | 17.0389% | 778 |
| Retained earnings to average equity (ytd only) | 17.0389% | 268 |
| Net charge-offs to loans | -0.0190% | 3,976 |
| Credit loss provision to net charge-offs | -868.4211% | 3,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5201% | 2,357 |
| Assets per employee ($millions) | 5.9260% | 2,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2090% | 418 |
| Loan loss allowance to noncurrent loans | 180.2477% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.9022% | 861 |
| Noncurrent loans to loans | 1.2255% | 983 |
| Net loans and leases to total assets | 64.3980% | 1,903 |
| Net loans and leases to deposits | 76.9484% | 1,735 |
| Net loans and leases to core deposits | 78.7362% | 1,985 |
| Total domestic deposits to total assets | 83.6899% | 3,522 |
| Equity capital to assets | 10.1712% | 2,702 |
| Core capital (leverage) ratio | 10.0810% | 2,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6142% | 1,755 |
| Memoranda: |
| Average total assets | $596,465,000 | 1,467 |
| Average earning assets | $555,795,333 | 1,470 |
| Average equity | $59,288,000 | 1,540 |
| Average total loans | $399,275,667 | 1,412 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6599% | 598 |
| Cost of funding earning assets | 0.4563% | 1,674 |
| Net interest margin | 4.2036% | 593 |
| Noninterest income to average assets | 0.5164% | 2,538 |
| Noninterest expense to average assets | 2.7297% | 1,552 |
| Loan and lease loss provision to assets | 0.2239% | 512 |
| Net operating income to assets | 1.4758% | 1,386 |
| Return on assets (ROA) | 1.9705% | 638 |
| Pretax return on assets | 1.9705% | 995 |
| Return on Equity (ROE) | 20.0655% | 527 |
| Retained earnings to average equity (ytd only) | 20.0655% | 268 |
| Net charge-offs to loans | -0.0412% | 4,319 |
| Credit loss provision to net charge-offs | -804.8780% | 3,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6268% | 2,818 |
| Assets per employee ($millions) | 5.8942% | 2,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2315% | 404 |
| Loan loss allowance to noncurrent loans | 165.0502% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 1.0063% | 820 |
| Noncurrent loans to loans | 1.3520% | 950 |
| Net loans and leases to total assets | 64.7357% | 1,949 |
| Net loans and leases to deposits | 77.0645% | 1,794 |
| Net loans and leases to core deposits | 78.8891% | 2,103 |
| Total domestic deposits to total assets | 84.0020% | 3,433 |
| Equity capital to assets | 9.8066% | 2,888 |
| Core capital (leverage) ratio | 10.1921% | 2,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3028% | 1,812 |
| Memoranda: |
| Average total assets | $589,507,000 | 1,470 |
| Average earning assets | $548,768,000 | 1,475 |
| Average equity | $57,890,500 | 1,562 |
| Average total loans | $397,937,500 | 1,422 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9420% | 552 |
| Cost of funding earning assets | 0.7762% | 1,316 |
| Net interest margin | 4.1658% | 695 |
| Noninterest income to average assets | 0.6322% | 2,093 |
| Noninterest expense to average assets | 2.8670% | 1,766 |
| Loan and lease loss provision to assets | 0.3749% | 873 |
| Net operating income to assets | 1.2713% | 1,330 |
| Return on assets (ROA) | 1.2735% | 1,426 |
| Pretax return on assets | 1.2735% | 2,069 |
| Return on Equity (ROE) | 12.7910% | 1,094 |
| Retained earnings to average equity (ytd only) | 3.1982% | 3,227 |
| Net charge-offs to loans | 0.0629% | 1,878 |
| Credit loss provision to net charge-offs | 863.6364% | 854 |
| Earnings coverage of net charge-offs (x) | 37.9215% | 1,427 |
| Efficiency ratio | 63.5240% | 2,889 |
| Assets per employee ($millions) | 5.8960% | 2,437 |
| Cash dividends to net income (ytd only)* | 74.9965% | 793 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1398% | 455 |
| Loan loss allowance to noncurrent loans | 179.7297% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 0.9186% | 1,071 |
| Noncurrent loans to loans | 1.1906% | 1,189 |
| Net loans and leases to total assets | 67.3728% | 1,907 |
| Net loans and leases to deposits | 80.5967% | 1,805 |
| Net loans and leases to core deposits | 83.1055% | 2,115 |
| Total domestic deposits to total assets | 83.5925% | 3,239 |
| Equity capital to assets | 9.8342% | 3,277 |
| Core capital (leverage) ratio | 9.5991% | 3,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1060% | 2,198 |
| Memoranda: |
| Average total assets | $557,446,400 | 1,423 |
| Average earning assets | $519,347,000 | 1,412 |
| Average equity | $55,500,000 | 1,548 |
| Average total loans | $384,503,400 | 1,412 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9265% | 696 |
| Cost of funding earning assets | 0.8462% | 1,274 |
| Net interest margin | 4.0803% | 931 |
| Noninterest income to average assets | 0.5829% | 2,240 |
| Noninterest expense to average assets | 2.7414% | 2,137 |
| Loan and lease loss provision to assets | 0.3983% | 888 |
| Net operating income to assets | 1.2482% | 1,491 |
| Return on assets (ROA) | 1.2511% | 1,595 |
| Pretax return on assets | 1.2511% | 2,220 |
| Return on Equity (ROE) | 12.5260% | 1,242 |
| Retained earnings to average equity (ytd only) | 10.1092% | 736 |
| Net charge-offs to loans | 0.0791% | 1,519 |
| Credit loss provision to net charge-offs | 730.0885% | 1,040 |
| Earnings coverage of net charge-offs (x) | 30.1814% | 1,577 |
| Efficiency ratio | 62.4766% | 2,996 |
| Assets per employee ($millions) | 6.1356% | 2,150 |
| Cash dividends to net income (ytd only)* | 19.2938% | 2,814 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0213% | 476 |
| Loan loss allowance to noncurrent loans | 148.6581% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 1.0424% | 1,048 |
| Noncurrent loans to loans | 1.3597% | 1,078 |
| Net loans and leases to total assets | 67.9685% | 2,249 |
| Net loans and leases to deposits | 84.0783% | 1,909 |
| Net loans and leases to core deposits | 89.5142% | 2,017 |
| Total domestic deposits to total assets | 80.8395% | 3,696 |
| Equity capital to assets | 10.1374% | 3,110 |
| Core capital (leverage) ratio | 10.2067% | 2,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5456% | 1,982 |
| Memoranda: |
| Average total assets | $552,355,750 | 1,418 |
| Average earning assets | $515,075,250 | 1,406 |
| Average equity | $55,169,250 | 1,544 |
| Average total loans | $381,179,750 | 1,412 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0080% | 813 |
| Cost of funding earning assets | 0.9352% | 1,214 |
| Net interest margin | 4.0728% | 1,175 |
| Noninterest income to average assets | 0.5715% | 2,249 |
| Noninterest expense to average assets | 2.8176% | 2,053 |
| Loan and lease loss provision to assets | 0.3638% | 1,154 |
| Net operating income to assets | 1.2006% | 1,635 |
| Return on assets (ROA) | 1.2050% | 1,755 |
| Pretax return on assets | 1.2050% | 2,351 |
| Return on Equity (ROE) | 12.1287% | 1,303 |
| Retained earnings to average equity (ytd only) | 12.1287% | 447 |
| Net charge-offs to loans | 0.0742% | 1,509 |
| Credit loss provision to net charge-offs | 712.2302% | 993 |
| Earnings coverage of net charge-offs (x) | 30.6259% | 1,419 |
| Efficiency ratio | 64.2989% | 2,783 |
| Assets per employee ($millions) | 5.8926% | 2,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9013% | 530 |
| Loan loss allowance to noncurrent loans | 123.4067% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 1.1349% | 989 |
| Noncurrent loans to loans | 1.5406% | 978 |
| Net loans and leases to total assets | 68.5265% | 2,261 |
| Net loans and leases to deposits | 84.9354% | 1,896 |
| Net loans and leases to core deposits | 93.0396% | 1,818 |
| Total domestic deposits to total assets | 80.6808% | 3,687 |
| Equity capital to assets | 10.0250% | 3,181 |
| Core capital (leverage) ratio | 10.1218% | 2,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8944% | 1,862 |
| Memoranda: |
| Average total assets | $544,226,333 | 1,409 |
| Average earning assets | $509,185,000 | 1,400 |
| Average equity | $54,070,000 | 1,554 |
| Average total loans | $374,876,000 | 1,416 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2417% | 612 |
| Cost of funding earning assets | 1.0955% | 1,059 |
| Net interest margin | 4.1462% | 1,036 |
| Noninterest income to average assets | 0.6463% | 1,841 |
| Noninterest expense to average assets | 3.0223% | 1,831 |
| Loan and lease loss provision to assets | 0.2474% | 1,254 |
| Net operating income to assets | 1.2499% | 1,378 |
| Return on assets (ROA) | 1.2529% | 1,476 |
| Pretax return on assets | 1.2529% | 2,028 |
| Return on Equity (ROE) | 12.6711% | 944 |
| Retained earnings to average equity (ytd only) | 12.6711% | 354 |
| Net charge-offs to loans | 0.1206% | 985 |
| Credit loss provision to net charge-offs | 300.0000% | 1,171 |
| Earnings coverage of net charge-offs (x) | 18.1545% | 1,475 |
| Efficiency ratio | 66.8713% | 2,839 |
| Assets per employee ($millions) | 5.4850% | 2,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8925% | 616 |
| Loan loss allowance to noncurrent loans | 130.9741% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 1.0918% | 1,197 |
| Noncurrent loans to loans | 1.4449% | 1,105 |
| Net loans and leases to total assets | 66.3903% | 2,768 |
| Net loans and leases to deposits | 79.7593% | 2,704 |
| Net loans and leases to core deposits | 87.7906% | 2,540 |
| Total domestic deposits to total assets | 83.2383% | 3,030 |
| Equity capital to assets | 9.8383% | 3,929 |
| Core capital (leverage) ratio | 10.3027% | 3,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5523% | 1,744 |
| Memoranda: |
| Average total assets | $533,496,500 | 1,389 |
| Average earning assets | $498,387,000 | 1,386 |
| Average equity | $52,750,000 | 1,581 |
| Average total loans | $364,735,000 | 1,403 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2009% | 992 |
| Cost of funding earning assets | 1.1455% | 1,169 |
| Net interest margin | 4.0554% | 1,667 |
| Noninterest income to average assets | 0.8328% | 1,353 |
| Noninterest expense to average assets | 2.9119% | 2,260 |
| Loan and lease loss provision to assets | 0.3495% | 439 |
| Net operating income to assets | 1.3379% | 1,552 |
| Return on assets (ROA) | 1.3308% | 1,661 |
| Pretax return on assets | 1.3308% | 2,392 |
| Return on Equity (ROE) | 13.9352% | 908 |
| Retained earnings to average equity (ytd only) | 4.6098% | 2,643 |
| Net charge-offs to loans | 0.2931% | 712 |
| Credit loss provision to net charge-offs | 165.5502% | 1,568 |
| Earnings coverage of net charge-offs (x) | 7.9923% | 2,817 |
| Efficiency ratio | 63.3121% | 3,173 |
| Assets per employee ($millions) | 5.3481% | 2,197 |
| Cash dividends to net income (ytd only)* | 66.9197% | 1,253 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8222% | 630 |
| Loan loss allowance to noncurrent loans | 111.9812% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 1.2365% | 928 |
| Noncurrent loans to loans | 1.6272% | 859 |
| Net loans and leases to total assets | 67.8147% | 2,706 |
| Net loans and leases to deposits | 89.2796% | 1,664 |
| Net loans and leases to core deposits | 99.8971% | 1,572 |
| Total domestic deposits to total assets | 75.9577% | 4,604 |
| Equity capital to assets | 9.9376% | 3,976 |
| Core capital (leverage) ratio | 10.0058% | 3,512 |
| Tier 1 risk-based capital ratio | 13.6307% | 3,445 |
| Total risk-based capital ratio | 14.8867% | 3,352 |
| Memoranda: |
| Average total assets | $494,968,000 | 1,439 |
| Average earning assets | $459,711,600 | 1,433 |
| Average equity | $47,268,800 | 1,677 |
| Average total loans | $356,498,600 | 1,394 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2205% | 997 |
| Cost of funding earning assets | 1.1211% | 1,270 |
| Net interest margin | 4.0994% | 1,614 |
| Noninterest income to average assets | 0.8057% | 1,398 |
| Noninterest expense to average assets | 2.9435% | 2,117 |
| Loan and lease loss provision to assets | 0.3838% | 339 |
| Net operating income to assets | 1.2816% | 1,914 |
| Return on assets (ROA) | 1.2720% | 2,023 |
| Pretax return on assets | 1.2720% | 2,747 |
| Return on Equity (ROE) | 13.4688% | 1,121 |
| Retained earnings to average equity (ytd only) | 13.4688% | 236 |
| Net charge-offs to loans | 0.2759% | 635 |
| Credit loss provision to net charge-offs | 190.9959% | 1,372 |
| Earnings coverage of net charge-offs (x) | 8.2879% | 2,673 |
| Efficiency ratio | 63.8651% | 3,030 |
| Assets per employee ($millions) | 5.6219% | 1,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8091% | 663 |
| Loan loss allowance to noncurrent loans | 104.1373% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 1.3551% | 875 |
| Noncurrent loans to loans | 1.7372% | 838 |
| Net loans and leases to total assets | 68.2491% | 2,755 |
| Net loans and leases to deposits | 81.5130% | 2,744 |
| Net loans and leases to core deposits | 89.6389% | 2,570 |
| Total domestic deposits to total assets | 83.7278% | 2,924 |
| Equity capital to assets | 9.2807% | 4,608 |
| Core capital (leverage) ratio | 9.7382% | 3,924 |
| Tier 1 risk-based capital ratio | 12.8539% | 3,931 |
| Total risk-based capital ratio | 14.1101% | 3,821 |
| Memoranda: |
| Average total assets | $486,344,250 | 1,468 |
| Average earning assets | $451,212,250 | 1,460 |
| Average equity | $45,932,000 | 1,724 |
| Average total loans | $354,193,750 | 1,409 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2558% | 886 |
| Cost of funding earning assets | 1.1228% | 1,218 |
| Net interest margin | 4.1330% | 1,514 |
| Noninterest income to average assets | 0.8706% | 1,152 |
| Noninterest expense to average assets | 3.0539% | 1,855 |
| Loan and lease loss provision to assets | 0.3959% | 306 |
| Net operating income to assets | 1.2475% | 1,970 |
| Return on assets (ROA) | 1.2365% | 2,075 |
| Pretax return on assets | 1.2365% | 2,798 |
| Return on Equity (ROE) | 13.0082% | 1,238 |
| Retained earnings to average equity (ytd only) | 13.0082% | 300 |
| Net charge-offs to loans | 0.3190% | 533 |
| Credit loss provision to net charge-offs | 167.5627% | 1,377 |
| Earnings coverage of net charge-offs (x) | 6.9552% | 2,534 |
| Efficiency ratio | 65.0140% | 2,975 |
| Assets per employee ($millions) | 5.0437% | 2,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7621% | 736 |
| Loan loss allowance to noncurrent loans | 83.6074% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 1.7361% | 598 |
| Noncurrent loans to loans | 2.1076% | 654 |
| Net loans and leases to total assets | 73.1705% | 2,030 |
| Net loans and leases to deposits | 94.3635% | 1,221 |
| Net loans and leases to core deposits | 104.4531% | 1,347 |
| Total domestic deposits to total assets | 77.5411% | 4,476 |
| Equity capital to assets | 9.7305% | 4,208 |
| Core capital (leverage) ratio | 9.8908% | 3,712 |
| Tier 1 risk-based capital ratio | 12.3651% | 4,210 |
| Total risk-based capital ratio | 13.6201% | 4,077 |
| Memoranda: |
| Average total assets | $472,307,670 | 1,506 |
| Average earning assets | $437,307,330 | 1,503 |
| Average equity | $44,894,670 | 1,758 |
| Average total loans | $349,821,670 | 1,440 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1435% | 1,018 |
| Cost of funding earning assets | 1.0986% | 1,191 |
| Net interest margin | 4.0449% | 1,703 |
| Noninterest income to average assets | 1.0327% | 751 |
| Noninterest expense to average assets | 3.1589% | 1,600 |
| Loan and lease loss provision to assets | 0.4546% | 241 |
| Net operating income to assets | 1.1613% | 2,209 |
| Return on assets (ROA) | 1.1613% | 2,261 |
| Pretax return on assets | 1.1613% | 2,932 |
| Return on Equity (ROE) | 12.3695% | 1,424 |
| Retained earnings to average equity (ytd only) | 12.3695% | 554 |
| Net charge-offs to loans | 0.5145% | 286 |
| Credit loss provision to net charge-offs | 119.6388% | 1,415 |
| Earnings coverage of net charge-offs (x) | 4.2528% | 2,338 |
| Efficiency ratio | 66.1577% | 2,923 |
| Assets per employee ($millions) | 4.8824% | 2,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7536% | 771 |
| Loan loss allowance to noncurrent loans | 66.2661% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 2.2415% | 386 |
| Noncurrent loans to loans | 2.6463% | 476 |
| Net loans and leases to total assets | 72.5084% | 2,075 |
| Net loans and leases to deposits | 96.1360% | 954 |
| Net loans and leases to core deposits | 101.1296% | 1,528 |
| Total domestic deposits to total assets | 75.4228% | 4,824 |
| Equity capital to assets | 9.6807% | 4,107 |
| Core capital (leverage) ratio | 9.8075% | 3,810 |
| Tier 1 risk-based capital ratio | 12.3223% | 4,288 |
| Total risk-based capital ratio | 13.5770% | 4,152 |
| Memoranda: |
| Average total assets | $466,366,000 | 1,533 |
| Average earning assets | $431,458,500 | 1,532 |
| Average equity | $43,785,000 | 1,786 |
| Average total loans | $344,412,500 | 1,465 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9285% | 1,206 |
| Cost of funding earning assets | 0.9361% | 979 |
| Net interest margin | 3.9925% | 2,004 |
| Noninterest income to average assets | 0.8357% | 1,349 |
| Noninterest expense to average assets | 3.0312% | 1,984 |
| Loan and lease loss provision to assets | 0.2598% | 654 |
| Net operating income to assets | 1.2328% | 2,034 |
| Return on assets (ROA) | 1.2315% | 2,032 |
| Pretax return on assets | 1.2315% | 2,770 |
| Return on Equity (ROE) | 13.1598% | 1,283 |
| Retained earnings to average equity (ytd only) | 4.2579% | 3,209 |
| Net charge-offs to loans | 0.1696% | 1,132 |
| Credit loss provision to net charge-offs | 208.0357% | 1,390 |
| Earnings coverage of net charge-offs (x) | 11.9536% | 2,588 |
| Efficiency ratio | 67.0051% | 2,711 |
| Assets per employee ($millions) | 4.6871% | 2,899 |
| Cash dividends to net income (ytd only)* | 67.6444% | 1,181 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7434% | 771 |
| Loan loss allowance to noncurrent loans | 50.3623% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 2.6835% | 268 |
| Noncurrent loans to loans | 3.4616% | 261 |
| Net loans and leases to total assets | 72.6101% | 2,152 |
| Net loans and leases to deposits | 96.1788% | 1,058 |
| Net loans and leases to core deposits | 101.3135% | 1,624 |
| Total domestic deposits to total assets | 75.4949% | 4,814 |
| Equity capital to assets | 9.0934% | 4,496 |
| Core capital (leverage) ratio | 9.5192% | 4,094 |
| Tier 1 risk-based capital ratio | 11.8231% | 4,553 |
| Total risk-based capital ratio | 13.0776% | 4,421 |
| Memoranda: |
| Average total assets | $448,474,000 | 1,541 |
| Average earning assets | $414,281,400 | 1,544 |
| Average equity | $41,968,600 | 1,783 |
| Average total loans | $330,249,200 | 1,480 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8868% | 1,194 |
| Cost of funding earning assets | 0.9101% | 883 |
| Net interest margin | 3.9767% | 2,023 |
| Noninterest income to average assets | 0.8508% | 1,328 |
| Noninterest expense to average assets | 2.9948% | 2,033 |
| Loan and lease loss provision to assets | 0.2414% | 657 |
| Net operating income to assets | 1.2863% | 1,910 |
| Return on assets (ROA) | 1.2845% | 1,917 |
| Pretax return on assets | 1.2845% | 2,683 |
| Return on Equity (ROE) | 13.6250% | 1,226 |
| Retained earnings to average equity (ytd only) | 13.6250% | 290 |
| Net charge-offs to loans | 0.1671% | 991 |
| Credit loss provision to net charge-offs | 196.3415% | 1,400 |
| Earnings coverage of net charge-offs (x) | 12.4245% | 2,452 |
| Efficiency ratio | 66.2202% | 2,828 |
| Assets per employee ($millions) | 4.6023% | 2,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7592% | 782 |
| Loan loss allowance to noncurrent loans | 46.6591% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 2.8162% | 278 |
| Noncurrent loans to loans | 3.7703% | 239 |
| Net loans and leases to total assets | 71.4169% | 2,424 |
| Net loans and leases to deposits | 95.2644% | 1,236 |
| Net loans and leases to core deposits | 99.7881% | 1,811 |
| Total domestic deposits to total assets | 74.9670% | 4,888 |
| Equity capital to assets | 9.7868% | 3,834 |
| Core capital (leverage) ratio | 10.3261% | 3,260 |
| Tier 1 risk-based capital ratio | 12.9855% | 3,918 |
| Total risk-based capital ratio | 14.2400% | 3,821 |
| Memoranda: |
| Average total assets | $444,588,000 | 1,561 |
| Average earning assets | $410,484,000 | 1,565 |
| Average equity | $41,912,000 | 1,790 |
| Average total loans | $327,086,000 | 1,491 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8337% | 1,164 |
| Cost of funding earning assets | 0.8935% | 754 |
| Net interest margin | 3.9402% | 2,065 |
| Noninterest income to average assets | 0.7838% | 1,524 |
| Noninterest expense to average assets | 2.9269% | 2,267 |
| Loan and lease loss provision to assets | 0.2690% | 561 |
| Net operating income to assets | 1.2318% | 2,053 |
| Return on assets (ROA) | 1.2291% | 2,065 |
| Pretax return on assets | 1.2291% | 2,828 |
| Return on Equity (ROE) | 13.2090% | 1,298 |
| Retained earnings to average equity (ytd only) | 13.2090% | 351 |
| Net charge-offs to loans | 0.1242% | 1,187 |
| Credit loss provision to net charge-offs | 293.1034% | 1,018 |
| Earnings coverage of net charge-offs (x) | 16.3547% | 2,000 |
| Efficiency ratio | 66.1052% | 2,959 |
| Assets per employee ($millions) | 4.8901% | 2,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7628% | 806 |
| Loan loss allowance to noncurrent loans | 53.0695% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 2.5207% | 347 |
| Noncurrent loans to loans | 3.3218% | 312 |
| Net loans and leases to total assets | 72.2067% | 2,240 |
| Net loans and leases to deposits | 96.6033% | 1,087 |
| Net loans and leases to core deposits | 100.0103% | 1,739 |
| Total domestic deposits to total assets | 74.7456% | 4,972 |
| Equity capital to assets | 9.7142% | 3,905 |
| Core capital (leverage) ratio | 10.1425% | 3,432 |
| Tier 1 risk-based capital ratio | 12.7249% | 4,050 |
| Total risk-based capital ratio | 13.9798% | 3,953 |
| Memoranda: |
| Average total assets | $442,441,330 | 1,573 |
| Average earning assets | $409,166,000 | 1,576 |
| Average equity | $41,169,000 | 1,819 |
| Average total loans | $326,822,000 | 1,492 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8870% | 895 |
| Cost of funding earning assets | 0.8845% | 647 |
| Net interest margin | 4.0025% | 1,722 |
| Noninterest income to average assets | 0.7589% | 1,593 |
| Noninterest expense to average assets | 2.9595% | 2,176 |
| Loan and lease loss provision to assets | 0.2584% | 561 |
| Net operating income to assets | 1.2458% | 1,824 |
| Return on assets (ROA) | 1.2458% | 1,836 |
| Pretax return on assets | 1.2458% | 2,573 |
| Return on Equity (ROE) | 13.6922% | 1,086 |
| Retained earnings to average equity (ytd only) | 13.6922% | 435 |
| Net charge-offs to loans | 0.1322% | 1,013 |
| Credit loss provision to net charge-offs | 263.8889% | 886 |
| Earnings coverage of net charge-offs (x) | 15.3611% | 1,665 |
| Efficiency ratio | 66.3010% | 3,104 |
| Assets per employee ($millions) | 4.6955% | 2,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6987% | 947 |
| Loan loss allowance to noncurrent loans | 165.6716% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 0.8204% | 1,923 |
| Noncurrent loans to loans | 1.0253% | 1,785 |
| Net loans and leases to total assets | 72.7655% | 2,053 |
| Net loans and leases to deposits | 99.0727% | 777 |
| Net loans and leases to core deposits | 102.5208% | 1,483 |
| Total domestic deposits to total assets | 73.4466% | 5,200 |
| Equity capital to assets | 9.2191% | 4,342 |
| Core capital (leverage) ratio | 9.7183% | 3,827 |
| Tier 1 risk-based capital ratio | 12.3591% | 4,340 |
| Total risk-based capital ratio | 13.6135% | 4,224 |
| Memoranda: |
| Average total assets | $441,162,500 | 1,592 |
| Average earning assets | $408,346,500 | 1,589 |
| Average equity | $40,139,500 | 1,863 |
| Average total loans | $326,690,500 | 1,500 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8178% | 944 |
| Cost of funding earning assets | 0.8179% | 563 |
| Net interest margin | 3.9999% | 1,756 |
| Noninterest income to average assets | 0.7641% | 1,714 |
| Noninterest expense to average assets | 3.2336% | 1,543 |
| Loan and lease loss provision to assets | 0.2532% | 729 |
| Net operating income to assets | 0.9635% | 2,388 |
| Return on assets (ROA) | 1.0097% | 2,232 |
| Pretax return on assets | 1.0097% | 3,531 |
| Return on Equity (ROE) | 11.4247% | 1,358 |
| Retained earnings to average equity (ytd only) | 4.6212% | 2,379 |
| Net charge-offs to loans | 0.0938% | 2,142 |
| Credit loss provision to net charge-offs | 367.4497% | 807 |
| Earnings coverage of net charge-offs (x) | 17.6544% | 2,114 |
| Efficiency ratio | 72.6602% | 2,133 |
| Assets per employee ($millions) | 4.5932% | 3,039 |
| Cash dividends to net income (ytd only)* | 59.5511% | 1,777 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6448% | 1,048 |
| Loan loss allowance to noncurrent loans | 156.0558% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.8398% | 1,858 |
| Noncurrent loans to loans | 1.0540% | 1,682 |
| Net loans and leases to total assets | 72.8630% | 2,110 |
| Net loans and leases to deposits | 100.4154% | 699 |
| Net loans and leases to core deposits | 104.1405% | 1,406 |
| Total domestic deposits to total assets | 72.5616% | 5,291 |
| Equity capital to assets | 8.9779% | 4,742 |
| Core capital (leverage) ratio | 9.5216% | 4,014 |
| Tier 1 risk-based capital ratio | 12.0212% | 4,514 |
| Total risk-based capital ratio | 13.2750% | 4,392 |
| Memoranda: |
| Average total assets | $432,402,200 | 1,599 |
| Average earning assets | $398,480,800 | 1,602 |
| Average equity | $38,215,400 | 1,923 |
| Average total loans | $317,784,600 | 1,492 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7878% | 945 |
| Cost of funding earning assets | 0.8012% | 576 |
| Net interest margin | 3.9866% | 1,748 |
| Noninterest income to average assets | 0.7657% | 1,711 |
| Noninterest expense to average assets | 3.3303% | 1,280 |
| Loan and lease loss provision to assets | 0.2169% | 859 |
| Net operating income to assets | 0.8866% | 3,094 |
| Return on assets (ROA) | 0.9030% | 3,068 |
| Pretax return on assets | 0.9030% | 4,035 |
| Return on Equity (ROE) | 10.2588% | 2,008 |
| Retained earnings to average equity (ytd only) | 8.1711% | 1,155 |
| Net charge-offs to loans | 0.0773% | 2,038 |
| Credit loss provision to net charge-offs | 382.5137% | 800 |
| Earnings coverage of net charge-offs (x) | 19.4593% | 2,001 |
| Efficiency ratio | 75.1118% | 1,719 |
| Assets per employee ($millions) | 4.4187% | 3,286 |
| Cash dividends to net income (ytd only)* | 20.3501% | 3,117 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5821% | 1,278 |
| Loan loss allowance to noncurrent loans | 130.9591% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 0.9542% | 1,784 |
| Noncurrent loans to loans | 1.2081% | 1,578 |
| Net loans and leases to total assets | 72.4230% | 2,198 |
| Net loans and leases to deposits | 100.4897% | 713 |
| Net loans and leases to core deposits | 104.3999% | 1,358 |
| Total domestic deposits to total assets | 72.0700% | 5,372 |
| Equity capital to assets | 9.0694% | 4,850 |
| Core capital (leverage) ratio | 9.6472% | 3,991 |
| Tier 1 risk-based capital ratio | 12.2710% | 4,455 |
| Total risk-based capital ratio | 13.5238% | 4,350 |
| Memoranda: |
| Average total assets | $430,266,000 | 1,616 |
| Average earning assets | $395,887,750 | 1,620 |
| Average equity | $37,872,250 | 1,951 |
| Average total loans | $315,565,750 | 1,508 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7583% | 949 |
| Cost of funding earning assets | 0.7770% | 590 |
| Net interest margin | 3.9813% | 1,668 |
| Noninterest income to average assets | 0.7273% | 1,876 |
| Noninterest expense to average assets | 3.3323% | 1,307 |
| Loan and lease loss provision to assets | 0.2431% | 695 |
| Net operating income to assets | 0.8138% | 3,341 |
| Return on assets (ROA) | 0.8274% | 3,317 |
| Pretax return on assets | 0.8274% | 4,175 |
| Return on Equity (ROE) | 9.4978% | 2,275 |
| Retained earnings to average equity (ytd only) | 6.3158% | 1,957 |
| Net charge-offs to loans | 0.0606% | 2,056 |
| Credit loss provision to net charge-offs | 547.3684% | 612 |
| Earnings coverage of net charge-offs (x) | 23.8000% | 1,665 |
| Efficiency ratio | 75.9212% | 1,730 |
| Assets per employee ($millions) | 4.2866% | 3,455 |
| Cash dividends to net income (ytd only)* | 33.5028% | 2,645 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5347% | 1,456 |
| Loan loss allowance to noncurrent loans | 130.4722% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 0.9732% | 1,798 |
| Noncurrent loans to loans | 1.1763% | 1,663 |
| Net loans and leases to total assets | 73.3849% | 1,976 |
| Net loans and leases to deposits | 104.4374% | 470 |
| Net loans and leases to core deposits | 107.1094% | 1,153 |
| Total domestic deposits to total assets | 70.2668% | 5,529 |
| Equity capital to assets | 8.7549% | 5,097 |
| Core capital (leverage) ratio | 9.5855% | 4,033 |
| Tier 1 risk-based capital ratio | 11.8186% | 4,747 |
| Total risk-based capital ratio | 13.0710% | 4,633 |
| Memoranda: |
| Average total assets | $427,871,000 | 1,622 |
| Average earning assets | $393,543,670 | 1,630 |
| Average equity | $37,271,670 | 1,970 |
| Average total loans | $313,451,670 | 1,517 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6778% | 973 |
| Cost of funding earning assets | 0.7567% | 627 |
| Net interest margin | 3.9212% | 1,700 |
| Noninterest income to average assets | 0.6720% | 2,083 |
| Noninterest expense to average assets | 3.3602% | 1,271 |
| Loan and lease loss provision to assets | 0.2127% | 764 |
| Net operating income to assets | 0.7042% | 3,684 |
| Return on assets (ROA) | 0.7798% | 3,369 |
| Pretax return on assets | 0.7798% | 4,184 |
| Return on Equity (ROE) | 8.9752% | 2,432 |
| Retained earnings to average equity (ytd only) | 8.9752% | 1,091 |
| Net charge-offs to loans | 0.0820% | 1,527 |
| Credit loss provision to net charge-offs | 357.1429% | 706 |
| Earnings coverage of net charge-offs (x) | 15.3968% | 1,677 |
| Efficiency ratio | 78.5635% | 1,554 |
| Assets per employee ($millions) | 4.1283% | 3,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5036% | 1,677 |
| Loan loss allowance to noncurrent loans | 145.8295% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 0.8607% | 2,153 |
| Noncurrent loans to loans | 1.0311% | 1,996 |
| Net loans and leases to total assets | 72.9927% | 1,916 |
| Net loans and leases to deposits | 104.1559% | 395 |
| Net loans and leases to core deposits | 106.1634% | 1,087 |
| Total domestic deposits to total assets | 70.0803% | 5,629 |
| Equity capital to assets | 8.9040% | 4,905 |
| Core capital (leverage) ratio | 9.6488% | 3,930 |
| Tier 1 risk-based capital ratio | 12.1265% | 4,636 |
| Total risk-based capital ratio | 13.3784% | 4,531 |
| Memoranda: |
| Average total assets | $423,192,000 | 1,652 |
| Average earning assets | $389,069,000 | 1,663 |
| Average equity | $36,768,000 | 1,994 |
| Average total loans | $307,247,000 | 1,547 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6803% | 1,099 |
| Cost of funding earning assets | 0.7488% | 640 |
| Net interest margin | 3.9315% | 1,848 |
| Noninterest income to average assets | 0.6927% | 2,209 |
| Noninterest expense to average assets | 3.4279% | 1,298 |
| Loan and lease loss provision to assets | 0.1826% | 1,303 |
| Net operating income to assets | 0.6615% | 3,945 |
| Return on assets (ROA) | 0.7713% | 3,545 |
| Pretax return on assets | 0.7713% | 4,263 |
| Return on Equity (ROE) | 8.8745% | 2,485 |
| Retained earnings to average equity (ytd only) | 5.9369% | 1,745 |
| Net charge-offs to loans | 0.1120% | 2,145 |
| Credit loss provision to net charge-offs | 245.7045% | 1,179 |
| Earnings coverage of net charge-offs (x) | 11.3608% | 2,544 |
| Efficiency ratio | 80.2415% | 1,394 |
| Assets per employee ($millions) | 4.0891% | 3,808 |
| Cash dividends to net income (ytd only)* | 33.1016% | 3,195 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5285% | 1,568 |
| Loan loss allowance to noncurrent loans | 134.7468% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 0.8992% | 2,112 |
| Noncurrent loans to loans | 1.1343% | 1,809 |
| Net loans and leases to total assets | 69.9967% | 2,471 |
| Net loans and leases to deposits | 106.0297% | 342 |
| Net loans and leases to core deposits | 107.9693% | 1,023 |
| Total domestic deposits to total assets | 66.0161% | 5,756 |
| Equity capital to assets | 8.4704% | 5,292 |
| Core capital (leverage) ratio | 9.7454% | 3,808 |
| Tier 1 risk-based capital ratio | 12.4510% | 4,406 |
| Total risk-based capital ratio | 13.7033% | 4,297 |
| Memoranda: |
| Average total assets | $391,672,600 | 1,714 |
| Average earning assets | $356,581,600 | 1,739 |
| Average equity | $34,041,400 | 2,129 |
| Average total loans | $259,797,600 | 1,736 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6754% | 1,121 |
| Cost of funding earning assets | 0.7468% | 647 |
| Net interest margin | 3.9287% | 1,883 |
| Noninterest income to average assets | 0.6613% | 2,359 |
| Noninterest expense to average assets | 3.4316% | 1,282 |
| Loan and lease loss provision to assets | 0.1301% | 1,801 |
| Net operating income to assets | 0.6661% | 4,016 |
| Return on assets (ROA) | 0.8150% | 3,435 |
| Pretax return on assets | 0.8150% | 4,264 |
| Return on Equity (ROE) | 9.3120% | 2,356 |
| Retained earnings to average equity (ytd only) | 9.3120% | 733 |
| Net charge-offs to loans | 0.1259% | 1,702 |
| Credit loss provision to net charge-offs | 158.8983% | 1,708 |
| Earnings coverage of net charge-offs (x) | 9.7245% | 2,660 |
| Efficiency ratio | 81.1669% | 1,282 |
| Assets per employee ($millions) | 3.9543% | 4,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5551% | 1,599 |
| Loan loss allowance to noncurrent loans | 152.7590% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 0.7956% | 2,552 |
| Noncurrent loans to loans | 1.0180% | 2,209 |
| Net loans and leases to total assets | 67.3474% | 2,898 |
| Net loans and leases to deposits | 100.5441% | 676 |
| Net loans and leases to core deposits | 102.1691% | 1,472 |
| Total domestic deposits to total assets | 66.9829% | 5,797 |
| Equity capital to assets | 8.6061% | 5,467 |
| Core capital (leverage) ratio | 10.3532% | 3,151 |
| Tier 1 risk-based capital ratio | 13.4915% | 3,865 |
| Total risk-based capital ratio | 14.7439% | 3,772 |
| Memoranda: |
| Average total assets | $384,297,500 | 1,743 |
| Average earning assets | $348,880,250 | 1,783 |
| Average equity | $33,633,000 | 2,168 |
| Average total loans | $249,901,250 | 1,794 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6840% | 1,082 |
| Cost of funding earning assets | 0.7367% | 674 |
| Net interest margin | 3.9473% | 1,819 |
| Noninterest income to average assets | 0.5974% | 2,633 |
| Noninterest expense to average assets | 3.5089% | 1,152 |
| Loan and lease loss provision to assets | 0.1058% | 2,093 |
| Net operating income to assets | 0.5427% | 4,510 |
| Return on assets (ROA) | 0.7673% | 3,608 |
| Pretax return on assets | 0.7816% | 4,344 |
| Return on Equity (ROE) | 8.7157% | 2,628 |
| Retained earnings to average equity (ytd only) | 8.7157% | 932 |
| Net charge-offs to loans | 0.1534% | 1,410 |
| Credit loss provision to net charge-offs | 108.1081% | 1,989 |
| Earnings coverage of net charge-offs (x) | 6.7243% | 2,711 |
| Efficiency ratio | 84.2032% | 1,028 |
| Assets per employee ($millions) | 3.9492% | 3,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6647% | 1,351 |
| Loan loss allowance to noncurrent loans | 193.4540% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.6858% | 2,932 |
| Noncurrent loans to loans | 0.8605% | 2,586 |
| Net loans and leases to total assets | 64.2557% | 3,330 |
| Net loans and leases to deposits | 91.6400% | 1,563 |
| Net loans and leases to core deposits | 92.9793% | 2,259 |
| Total domestic deposits to total assets | 70.1176% | 5,777 |
| Equity capital to assets | 8.7049% | 5,480 |
| Core capital (leverage) ratio | 10.4688% | 3,007 |
| Tier 1 risk-based capital ratio | 14.3917% | 3,383 |
| Total risk-based capital ratio | 15.6451% | 3,305 |
| Memoranda: |
| Average total assets | $377,950,000 | 1,772 |
| Average earning assets | $341,804,000 | 1,820 |
| Average equity | $33,273,330 | 2,186 |
| Average total loans | $241,225,000 | 1,851 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6164% | 1,220 |
| Cost of funding earning assets | 0.6798% | 892 |
| Net interest margin | 3.9366% | 1,826 |
| Noninterest income to average assets | 0.6276% | 2,374 |
| Noninterest expense to average assets | 3.4077% | 1,368 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7619% | 3,428 |
| Return on assets (ROA) | 0.7608% | 3,544 |
| Pretax return on assets | 0.7608% | 4,336 |
| Return on Equity (ROE) | 8.5928% | 2,611 |
| Retained earnings to average equity (ytd only) | 8.5928% | 1,229 |
| Net charge-offs to loans | 0.1842% | 1,057 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 6.5596% | 2,235 |
| Efficiency ratio | 81.7276% | 1,394 |
| Assets per employee ($millions) | 3.8325% | 4,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7073% | 1,349 |
| Loan loss allowance to noncurrent loans | 157.7448% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 0.8784% | 2,492 |
| Noncurrent loans to loans | 1.0823% | 2,233 |
| Net loans and leases to total assets | 61.9748% | 3,531 |
| Net loans and leases to deposits | 87.0999% | 1,929 |
| Net loans and leases to core deposits | 88.2440% | 2,539 |
| Total domestic deposits to total assets | 71.1538% | 5,815 |
| Equity capital to assets | 8.7146% | 5,411 |
| Core capital (leverage) ratio | 10.3654% | 3,110 |
| Tier 1 risk-based capital ratio | 14.7288% | 3,270 |
| Total risk-based capital ratio | 15.9825% | 3,213 |
| Memoranda: |
| Average total assets | $375,389,500 | 1,787 |
| Average earning assets | $337,751,500 | 1,841 |
| Average equity | $33,237,000 | 2,187 |
| Average total loans | $236,681,500 | 1,874 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7000% | 1,107 |
| Cost of funding earning assets | 0.6376% | 1,140 |
| Net interest margin | 4.0623% | 1,513 |
| Noninterest income to average assets | 0.7788% | 1,868 |
| Noninterest expense to average assets | 3.5521% | 1,211 |
| Loan and lease loss provision to assets | 0.0986% | 2,337 |
| Net operating income to assets | 0.8115% | 3,294 |
| Return on assets (ROA) | 0.9083% | 2,904 |
| Pretax return on assets | 0.9088% | 3,803 |
| Return on Equity (ROE) | 9.6554% | 2,152 |
| Retained earnings to average equity (ytd only) | 2.4131% | 4,343 |
| Net charge-offs to loans | 0.0955% | 2,469 |
| Credit loss provision to net charge-offs | 161.6071% | 1,667 |
| Earnings coverage of net charge-offs (x) | 14.9196% | 2,252 |
| Efficiency ratio | 79.5933% | 1,729 |
| Assets per employee ($millions) | 3.6783% | 4,509 |
| Cash dividends to net income (ytd only)* | 75.0075% | 1,051 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7552% | 1,230 |
| Loan loss allowance to noncurrent loans | 113.0103% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 1.2828% | 1,663 |
| Noncurrent loans to loans | 1.5532% | 1,483 |
| Net loans and leases to total assets | 61.9413% | 3,570 |
| Net loans and leases to deposits | 86.8145% | 2,026 |
| Net loans and leases to core deposits | 87.8359% | 2,617 |
| Total domestic deposits to total assets | 71.3490% | 5,830 |
| Equity capital to assets | 8.9936% | 5,129 |
| Core capital (leverage) ratio | 10.1588% | 3,310 |
| Tier 1 risk-based capital ratio | 14.5146% | 3,442 |
| Total risk-based capital ratio | 15.7688% | 3,343 |
| Memoranda: |
| Average total assets | $366,968,200 | 1,788 |
| Average earning assets | $332,788,000 | 1,823 |
| Average equity | $34,519,600 | 2,067 |
| Average total loans | $234,656,400 | 1,839 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6628% | 1,173 |
| Cost of funding earning assets | 0.5637% | 1,678 |
| Net interest margin | 4.0991% | 1,412 |
| Noninterest income to average assets | 0.7684% | 1,935 |
| Noninterest expense to average assets | 3.5602% | 1,177 |
| Loan and lease loss provision to assets | 0.0884% | 2,388 |
| Net operating income to assets | 0.8521% | 3,165 |
| Return on assets (ROA) | 0.8378% | 3,316 |
| Pretax return on assets | 0.8385% | 4,210 |
| Return on Equity (ROE) | 8.8071% | 2,673 |
| Retained earnings to average equity (ytd only) | 8.8071% | 973 |
| Net charge-offs to loans | 0.0956% | 2,195 |
| Credit loss provision to net charge-offs | 144.0476% | 1,733 |
| Earnings coverage of net charge-offs (x) | 15.3336% | 2,187 |
| Efficiency ratio | 79.0909% | 1,791 |
| Assets per employee ($millions) | 3.5008% | 4,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6878% | 1,501 |
| Loan loss allowance to noncurrent loans | 123.0214% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 1.1658% | 2,036 |
| Noncurrent loans to loans | 1.3719% | 1,868 |
| Net loans and leases to total assets | 63.5710% | 3,371 |
| Net loans and leases to deposits | 90.7759% | 1,555 |
| Net loans and leases to core deposits | 91.7588% | 2,288 |
| Total domestic deposits to total assets | 70.0307% | 5,970 |
| Equity capital to assets | 9.3066% | 4,997 |
| Core capital (leverage) ratio | 10.5754% | 2,953 |
| Tier 1 risk-based capital ratio | 14.9876% | 3,298 |
| Total risk-based capital ratio | 16.2414% | 3,238 |
| Memoranda: |
| Average total assets | $364,912,500 | 1,808 |
| Average earning assets | $332,326,500 | 1,838 |
| Average equity | $34,713,750 | 2,071 |
| Average total loans | $234,183,000 | 1,848 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6475% | 1,173 |
| Cost of funding earning assets | 0.4169% | 3,071 |
| Net interest margin | 4.2307% | 1,047 |
| Noninterest income to average assets | 0.7631% | 1,935 |
| Noninterest expense to average assets | 3.6158% | 1,099 |
| Loan and lease loss provision to assets | 0.0730% | 2,648 |
| Net operating income to assets | 0.9284% | 2,740 |
| Return on assets (ROA) | 0.9091% | 2,954 |
| Pretax return on assets | 0.9102% | 3,916 |
| Return on Equity (ROE) | 9.4852% | 2,304 |
| Retained earnings to average equity (ytd only) | 9.4852% | 782 |
| Net charge-offs to loans | 0.0596% | 2,535 |
| Credit loss provision to net charge-offs | 191.3043% | 1,280 |
| Earnings coverage of net charge-offs (x) | 26.2754% | 1,491 |
| Efficiency ratio | 78.2926% | 2,026 |
| Assets per employee ($millions) | 3.4363% | 4,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7233% | 1,553 |
| Loan loss allowance to noncurrent loans | 161.2100% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 1.0033% | 2,517 |
| Noncurrent loans to loans | 1.0690% | 2,509 |
| Net loans and leases to total assets | 63.2349% | 3,384 |
| Net loans and leases to deposits | 87.9240% | 1,846 |
| Net loans and leases to core deposits | 88.9540% | 2,458 |
| Total domestic deposits to total assets | 71.9199% | 5,941 |
| Equity capital to assets | 9.6019% | 4,532 |
| Core capital (leverage) ratio | 10.6424% | 2,801 |
| Tier 1 risk-based capital ratio | 15.0243% | 3,345 |
| Total risk-based capital ratio | 16.2785% | 3,273 |
| Memoranda: |
| Average total assets | $361,689,000 | 1,832 |
| Average earning assets | $329,593,330 | 1,864 |
| Average equity | $34,664,670 | 2,079 |
| Average total loans | $231,506,000 | 1,871 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6328% | 1,158 |
| Cost of funding earning assets | 0.2569% | 4,941 |
| Net interest margin | 4.3759% | 772 |
| Noninterest income to average assets | 0.7394% | 1,971 |
| Noninterest expense to average assets | 3.6042% | 1,135 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1219% | 1,791 |
| Return on assets (ROA) | 1.0962% | 1,995 |
| Pretax return on assets | 1.0984% | 3,085 |
| Return on Equity (ROE) | 11.4487% | 1,501 |
| Retained earnings to average equity (ytd only) | 11.4487% | 652 |
| Net charge-offs to loans | -0.0280% | 5,209 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2264% | 2,480 |
| Assets per employee ($millions) | 3.4915% | 4,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7416% | 1,631 |
| Loan loss allowance to noncurrent loans | 166.0486% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 1.0236% | 2,571 |
| Noncurrent loans to loans | 1.0489% | 2,665 |
| Net loans and leases to total assets | 63.2211% | 3,206 |
| Net loans and leases to deposits | 84.8944% | 1,967 |
| Net loans and leases to core deposits | 85.9968% | 2,552 |
| Total domestic deposits to total assets | 74.4702% | 5,870 |
| Equity capital to assets | 9.5176% | 4,732 |
| Core capital (leverage) ratio | 10.6803% | 2,766 |
| Tier 1 risk-based capital ratio | 15.6857% | 3,065 |
| Total risk-based capital ratio | 16.9406% | 3,004 |
| Memoranda: |
| Average total assets | $358,689,500 | 1,848 |
| Average earning assets | $326,970,000 | 1,885 |
| Average equity | $34,344,500 | 2,110 |
| Average total loans | $228,967,000 | 1,879 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6718% | 1,367 |
| Cost of funding earning assets | 0.3389% | 4,380 |
| Net interest margin | 4.3329% | 993 |
| Noninterest income to average assets | 0.8619% | 1,637 |
| Noninterest expense to average assets | 3.5525% | 1,384 |
| Loan and lease loss provision to assets | 0.1300% | 2,019 |
| Net operating income to assets | 1.1201% | 1,906 |
| Return on assets (ROA) | 1.1278% | 1,929 |
| Pretax return on assets | 1.1292% | 2,970 |
| Return on Equity (ROE) | 11.2934% | 1,621 |
| Retained earnings to average equity (ytd only) | 2.8247% | 4,230 |
| Net charge-offs to loans | 0.1530% | 2,509 |
| Credit loss provision to net charge-offs | 136.8876% | 1,726 |
| Earnings coverage of net charge-offs (x) | 13.1816% | 2,297 |
| Efficiency ratio | 73.9492% | 2,845 |
| Assets per employee ($millions) | 3.4072% | 5,042 |
| Cash dividends to net income (ytd only)* | 74.9879% | 1,092 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7718% | 1,591 |
| Loan loss allowance to noncurrent loans | 137.7961% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 1.1083% | 2,537 |
| Noncurrent loans to loans | 1.2858% | 2,303 |
| Net loans and leases to total assets | 62.2023% | 3,473 |
| Net loans and leases to deposits | 82.8077% | 2,366 |
| Net loans and leases to core deposits | 84.3201% | 2,861 |
| Total domestic deposits to total assets | 75.1166% | 5,845 |
| Equity capital to assets | 9.6327% | 4,551 |
| Core capital (leverage) ratio | 10.3606% | 3,100 |
| Tier 1 risk-based capital ratio | 15.4313% | 3,257 |
| Total risk-based capital ratio | 16.6866% | 3,200 |
| Memoranda: |
| Average total assets | $365,492,600 | 1,784 |
| Average earning assets | $332,524,200 | 1,805 |
| Average equity | $36,499,200 | 1,925 |
| Average total loans | $226,780,800 | 1,850 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6540% | 1,423 |
| Cost of funding earning assets | 0.3413% | 4,447 |
| Net interest margin | 4.3127% | 1,024 |
| Noninterest income to average assets | 0.8459% | 1,717 |
| Noninterest expense to average assets | 3.4342% | 1,584 |
| Loan and lease loss provision to assets | 0.1393% | 1,793 |
| Net operating income to assets | 1.1960% | 1,688 |
| Return on assets (ROA) | 1.1844% | 1,809 |
| Pretax return on assets | 1.1862% | 2,838 |
| Return on Equity (ROE) | 11.7591% | 1,541 |
| Retained earnings to average equity (ytd only) | 11.7591% | 434 |
| Net charge-offs to loans | 0.2427% | 1,585 |
| Credit loss provision to net charge-offs | 92.9782% | 2,378 |
| Earnings coverage of net charge-offs (x) | 8.9226% | 2,736 |
| Efficiency ratio | 71.9751% | 3,181 |
| Assets per employee ($millions) | 3.6317% | 4,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7096% | 1,938 |
| Loan loss allowance to noncurrent loans | 94.5111% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 1.3612% | 2,270 |
| Noncurrent loans to loans | 1.8089% | 1,784 |
| Net loans and leases to total assets | 60.4561% | 3,712 |
| Net loans and leases to deposits | 83.3970% | 2,241 |
| Net loans and leases to core deposits | 84.8467% | 2,794 |
| Total domestic deposits to total assets | 72.4919% | 6,138 |
| Equity capital to assets | 10.5020% | 3,556 |
| Core capital (leverage) ratio | 10.8390% | 2,650 |
| Tier 1 risk-based capital ratio | 16.2787% | 2,918 |
| Total risk-based capital ratio | 17.5330% | 2,868 |
| Memoranda: |
| Average total assets | $367,427,750 | 1,781 |
| Average earning assets | $334,443,750 | 1,808 |
| Average equity | $37,008,750 | 1,905 |
| Average total loans | $226,840,000 | 1,860 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6485% | 1,404 |
| Cost of funding earning assets | 0.3443% | 4,490 |
| Net interest margin | 4.3042% | 1,015 |
| Noninterest income to average assets | 0.8503% | 1,662 |
| Noninterest expense to average assets | 3.4648% | 1,542 |
| Loan and lease loss provision to assets | 0.1578% | 1,575 |
| Net operating income to assets | 1.1495% | 1,757 |
| Return on assets (ROA) | 1.1326% | 1,900 |
| Pretax return on assets | 1.1354% | 2,949 |
| Return on Equity (ROE) | 11.4068% | 1,598 |
| Retained earnings to average equity (ytd only) | 11.4068% | 486 |
| Net charge-offs to loans | 0.2139% | 1,743 |
| Credit loss provision to net charge-offs | 119.3416% | 1,728 |
| Earnings coverage of net charge-offs (x) | 9.9095% | 2,301 |
| Efficiency ratio | 72.5647% | 3,231 |
| Assets per employee ($millions) | 3.7363% | 4,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7453% | 1,991 |
| Loan loss allowance to noncurrent loans | 90.1444% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 1.3339% | 2,453 |
| Noncurrent loans to loans | 1.9361% | 1,755 |
| Net loans and leases to total assets | 60.4705% | 3,640 |
| Net loans and leases to deposits | 81.7235% | 2,282 |
| Net loans and leases to core deposits | 83.3983% | 2,801 |
| Total domestic deposits to total assets | 73.9940% | 6,115 |
| Equity capital to assets | 10.2329% | 3,783 |
| Core capital (leverage) ratio | 10.4272% | 3,051 |
| Tier 1 risk-based capital ratio | 15.8538% | 3,170 |
| Total risk-based capital ratio | 17.1086% | 3,103 |
| Memoranda: |
| Average total assets | $367,638,000 | 1,784 |
| Average earning assets | $335,207,330 | 1,795 |
| Average equity | $36,504,670 | 1,921 |
| Average total loans | $227,250,670 | 1,847 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4967% | 1,825 |
| Cost of funding earning assets | 0.3427% | 4,617 |
| Net interest margin | 4.1540% | 1,329 |
| Noninterest income to average assets | 0.7709% | 1,870 |
| Noninterest expense to average assets | 3.4378% | 1,614 |
| Loan and lease loss provision to assets | 0.1129% | 2,069 |
| Net operating income to assets | 1.0053% | 2,194 |
| Return on assets (ROA) | 0.9881% | 2,312 |
| Pretax return on assets | 0.9935% | 3,347 |
| Return on Equity (ROE) | 10.1047% | 1,993 |
| Retained earnings to average equity (ytd only) | 10.1047% | 930 |
| Net charge-offs to loans | 0.1665% | 1,723 |
| Credit loss provision to net charge-offs | 109.4737% | 1,546 |
| Earnings coverage of net charge-offs (x) | 10.8947% | 1,820 |
| Efficiency ratio | 75.3630% | 2,893 |
| Assets per employee ($millions) | 3.8039% | 4,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7118% | 2,313 |
| Loan loss allowance to noncurrent loans | 57.1282% | 4,944 |
| Noncurrent assets plus other real estate owned to assets | 1.9576% | 1,750 |
| Noncurrent loans to loans | 2.9965% | 1,053 |
| Net loans and leases to total assets | 60.6106% | 3,458 |
| Net loans and leases to deposits | 81.0786% | 2,153 |
| Net loans and leases to core deposits | 82.7857% | 2,659 |
| Total domestic deposits to total assets | 74.7553% | 6,180 |
| Equity capital to assets | 9.9724% | 3,874 |
| Core capital (leverage) ratio | 10.0730% | 3,465 |
| Tier 1 risk-based capital ratio | 15.2587% | 3,573 |
| Total risk-based capital ratio | 16.5132% | 3,525 |
| Memoranda: |
| Average total assets | $368,380,000 | 1,784 |
| Average earning assets | $336,155,000 | 1,798 |
| Average equity | $36,023,000 | 1,939 |
| Average total loans | $228,202,000 | 1,836 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6940% | 1,589 |
| Cost of funding earning assets | 0.4015% | 4,641 |
| Net interest margin | 4.2924% | 1,125 |
| Noninterest income to average assets | 0.8085% | 2,042 |
| Noninterest expense to average assets | 3.5047% | 1,638 |
| Loan and lease loss provision to assets | 0.2013% | 1,852 |
| Net operating income to assets | 1.0152% | 2,265 |
| Return on assets (ROA) | 0.9461% | 2,655 |
| Pretax return on assets | 0.9480% | 3,567 |
| Return on Equity (ROE) | 9.4332% | 2,354 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,851 |
| Net charge-offs to loans | 0.3042% | 2,166 |
| Credit loss provision to net charge-offs | 108.2729% | 2,218 |
| Earnings coverage of net charge-offs (x) | 6.5530% | 3,040 |
| Efficiency ratio | 74.2029% | 3,098 |
| Assets per employee ($millions) | 3.5707% | 4,760 |
| Cash dividends to net income (ytd only)* | 100.0000% | 395 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6979% | 2,408 |
| Loan loss allowance to noncurrent loans | 47.0973% | 5,379 |
| Noncurrent assets plus other real estate owned to assets | 2.3465% | 1,486 |
| Noncurrent loans to loans | 3.6051% | 851 |
| Net loans and leases to total assets | 61.1730% | 3,503 |
| Net loans and leases to deposits | 82.9703% | 2,062 |
| Net loans and leases to core deposits | 84.6018% | 2,600 |
| Total domestic deposits to total assets | 73.7288% | 6,302 |
| Equity capital to assets | 9.5845% | 4,308 |
| Core capital (leverage) ratio | 9.6330% | 4,075 |
| Tier 1 risk-based capital ratio | 14.8302% | 3,763 |
| Total risk-based capital ratio | 16.0849% | 3,710 |
| Memoranda: |
| Average total assets | $370,563,200 | 1,759 |
| Average earning assets | $337,944,200 | 1,757 |
| Average equity | $37,166,800 | 1,861 |
| Average total loans | $226,502,000 | 1,807 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6819% | 1,647 |
| Cost of funding earning assets | 0.4185% | 4,640 |
| Net interest margin | 4.2634% | 1,177 |
| Noninterest income to average assets | 0.7825% | 2,237 |
| Noninterest expense to average assets | 3.5191% | 1,571 |
| Loan and lease loss provision to assets | 0.1943% | 1,875 |
| Net operating income to assets | 0.9524% | 2,580 |
| Return on assets (ROA) | 0.8458% | 3,237 |
| Pretax return on assets | 0.8483% | 4,102 |
| Return on Equity (ROE) | 8.3406% | 2,950 |
| Retained earnings to average equity (ytd only) | 0.0035% | 5,930 |
| Net charge-offs to loans | 0.2904% | 2,083 |
| Credit loss provision to net charge-offs | 109.9593% | 2,144 |
| Earnings coverage of net charge-offs (x) | 6.5041% | 2,961 |
| Efficiency ratio | 75.3827% | 2,831 |
| Assets per employee ($millions) | 3.6074% | 4,645 |
| Cash dividends to net income (ytd only)* | 99.9576% | 414 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7017% | 2,615 |
| Loan loss allowance to noncurrent loans | 48.8967% | 5,268 |
| Noncurrent assets plus other real estate owned to assets | 2.1721% | 1,837 |
| Noncurrent loans to loans | 3.4802% | 1,094 |
| Net loans and leases to total assets | 59.7096% | 3,742 |
| Net loans and leases to deposits | 82.9473% | 2,007 |
| Net loans and leases to core deposits | 84.5889% | 2,584 |
| Total domestic deposits to total assets | 71.9849% | 6,498 |
| Equity capital to assets | 9.5155% | 4,534 |
| Core capital (leverage) ratio | 9.5962% | 4,249 |
| Tier 1 risk-based capital ratio | 14.7709% | 3,897 |
| Total risk-based capital ratio | 16.0250% | 3,854 |
| Memoranda: |
| Average total assets | $371,258,250 | 1,771 |
| Average earning assets | $338,374,250 | 1,771 |
| Average equity | $37,646,000 | 1,856 |
| Average total loans | $225,910,000 | 1,815 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6709% | 1,648 |
| Cost of funding earning assets | 0.4443% | 4,491 |
| Net interest margin | 4.2266% | 1,206 |
| Noninterest income to average assets | 0.7709% | 2,320 |
| Noninterest expense to average assets | 3.5593% | 1,482 |
| Loan and lease loss provision to assets | 0.1249% | 2,760 |
| Net operating income to assets | 0.9347% | 2,646 |
| Return on assets (ROA) | 0.7796% | 3,572 |
| Pretax return on assets | 0.7833% | 4,375 |
| Return on Equity (ROE) | 7.5310% | 3,335 |
| Retained earnings to average equity (ytd only) | 7.5310% | 1,656 |
| Net charge-offs to loans | 0.2016% | 2,549 |
| Credit loss provision to net charge-offs | 101.7621% | 2,174 |
| Earnings coverage of net charge-offs (x) | 8.6652% | 2,376 |
| Efficiency ratio | 76.9968% | 2,625 |
| Assets per employee ($millions) | 3.4357% | 4,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6972% | 2,785 |
| Loan loss allowance to noncurrent loans | 62.6410% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 1.8743% | 2,307 |
| Noncurrent loans to loans | 2.7095% | 1,683 |
| Net loans and leases to total assets | 59.2814% | 3,782 |
| Net loans and leases to deposits | 81.6750% | 2,094 |
| Net loans and leases to core deposits | 83.1980% | 2,666 |
| Total domestic deposits to total assets | 72.5821% | 6,531 |
| Equity capital to assets | 9.9409% | 3,982 |
| Core capital (leverage) ratio | 10.0136% | 3,489 |
| Tier 1 risk-based capital ratio | 15.4416% | 3,512 |
| Total risk-based capital ratio | 16.6955% | 3,471 |
| Memoranda: |
| Average total assets | $369,955,670 | 1,769 |
| Average earning assets | $337,150,670 | 1,776 |
| Average equity | $38,295,000 | 1,831 |
| Average total loans | $225,250,670 | 1,823 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7408% | 1,430 |
| Cost of funding earning assets | 0.4857% | 4,228 |
| Net interest margin | 4.2551% | 1,060 |
| Noninterest income to average assets | 0.7485% | 2,345 |
| Noninterest expense to average assets | 3.5149% | 1,594 |
| Loan and lease loss provision to assets | 0.0816% | 3,287 |
| Net operating income to assets | 1.0206% | 2,142 |
| Return on assets (ROA) | 0.7191% | 3,733 |
| Pretax return on assets | 0.7267% | 4,457 |
| Return on Equity (ROE) | 6.8094% | 3,592 |
| Retained earnings to average equity (ytd only) | 6.8094% | 2,251 |
| Net charge-offs to loans | 0.0640% | 3,182 |
| Credit loss provision to net charge-offs | 208.3333% | 1,054 |
| Earnings coverage of net charge-offs (x) | 28.4167% | 986 |
| Efficiency ratio | 75.9520% | 2,935 |
| Assets per employee ($millions) | 3.4472% | 5,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7134% | 2,953 |
| Loan loss allowance to noncurrent loans | 83.6505% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 1.3167% | 3,324 |
| Noncurrent loans to loans | 2.0483% | 2,570 |
| Net loans and leases to total assets | 59.5971% | 3,500 |
| Net loans and leases to deposits | 78.2091% | 2,309 |
| Net loans and leases to core deposits | 79.9452% | 2,815 |
| Total domestic deposits to total assets | 76.2023% | 6,343 |
| Equity capital to assets | 10.5085% | 3,526 |
| Core capital (leverage) ratio | 10.0260% | 3,343 |
| Tier 1 risk-based capital ratio | 15.2042% | 3,707 |
| Total risk-based capital ratio | 16.4585% | 3,649 |
| Memoranda: |
| Average total assets | $367,687,500 | 1,793 |
| Average earning assets | $335,217,500 | 1,809 |
| Average equity | $38,828,500 | 1,828 |
| Average total loans | $224,957,500 | 1,833 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4035% | 750 |
| Cost of funding earning assets | 0.7700% | 2,914 |
| Net interest margin | 4.6335% | 736 |
| Noninterest income to average assets | 0.8095% | 2,224 |
| Noninterest expense to average assets | 3.6097% | 1,586 |
| Loan and lease loss provision to assets | 0.5402% | 1,067 |
| Net operating income to assets | 0.8589% | 3,004 |
| Return on assets (ROA) | 1.0031% | 2,544 |
| Pretax return on assets | 1.0056% | 3,529 |
| Return on Equity (ROE) | 9.6690% | 2,328 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,830 |
| Net charge-offs to loans | 0.8662% | 1,321 |
| Credit loss provision to net charge-offs | 101.0449% | 2,998 |
| Earnings coverage of net charge-offs (x) | 2.6217% | 4,115 |
| Efficiency ratio | 72.0305% | 3,411 |
| Assets per employee ($millions) | 3.3310% | 5,358 |
| Cash dividends to net income (ytd only)* | 100.0000% | 470 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7081% | 2,901 |
| Loan loss allowance to noncurrent loans | 99.7395% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 1.1014% | 3,809 |
| Noncurrent loans to loans | 1.7126% | 3,042 |
| Net loans and leases to total assets | 60.6866% | 3,475 |
| Net loans and leases to deposits | 77.9034% | 2,549 |
| Net loans and leases to core deposits | 79.4604% | 3,081 |
| Total domestic deposits to total assets | 77.8999% | 6,100 |
| Equity capital to assets | 10.6132% | 3,385 |
| Core capital (leverage) ratio | 9.9909% | 3,415 |
| Tier 1 risk-based capital ratio | 14.7018% | 3,893 |
| Total risk-based capital ratio | 15.9549% | 3,846 |
| Memoranda: |
| Average total assets | $358,005,600 | 1,815 |
| Average earning assets | $324,659,600 | 1,831 |
| Average equity | $37,139,400 | 1,869 |
| Average total loans | $220,967,000 | 1,829 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4931% | 686 |
| Cost of funding earning assets | 0.8269% | 2,732 |
| Net interest margin | 4.6661% | 721 |
| Noninterest income to average assets | 0.7987% | 2,250 |
| Noninterest expense to average assets | 3.6089% | 1,543 |
| Loan and lease loss provision to assets | 0.3405% | 1,923 |
| Net operating income to assets | 1.0723% | 2,200 |
| Return on assets (ROA) | 0.9889% | 2,790 |
| Pretax return on assets | 0.9923% | 3,746 |
| Return on Equity (ROE) | 9.5891% | 2,548 |
| Retained earnings to average equity (ytd only) | 0.7284% | 5,864 |
| Net charge-offs to loans | 0.6244% | 1,762 |
| Credit loss provision to net charge-offs | 88.3608% | 3,351 |
| Earnings coverage of net charge-offs (x) | 3.6751% | 3,558 |
| Efficiency ratio | 71.8185% | 3,361 |
| Assets per employee ($millions) | 3.1543% | 5,723 |
| Cash dividends to net income (ytd only)* | 92.4037% | 422 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6754% | 3,226 |
| Loan loss allowance to noncurrent loans | 50.9883% | 5,075 |
| Noncurrent assets plus other real estate owned to assets | 2.0747% | 2,560 |
| Noncurrent loans to loans | 3.2859% | 1,672 |
| Net loans and leases to total assets | 60.7386% | 3,625 |
| Net loans and leases to deposits | 74.2293% | 3,248 |
| Net loans and leases to core deposits | 77.3616% | 3,560 |
| Total domestic deposits to total assets | 81.8257% | 5,084 |
| Equity capital to assets | 10.9192% | 3,359 |
| Core capital (leverage) ratio | 10.1233% | 3,366 |
| Tier 1 risk-based capital ratio | 15.0115% | 3,843 |
| Total risk-based capital ratio | 16.2649% | 3,788 |
| Memoranda: |
| Average total assets | $356,738,250 | 1,844 |
| Average earning assets | $323,115,250 | 1,856 |
| Average equity | $36,790,750 | 1,906 |
| Average total loans | $220,167,000 | 1,850 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5678% | 615 |
| Cost of funding earning assets | 0.8728% | 2,637 |
| Net interest margin | 4.6950% | 681 |
| Noninterest income to average assets | 0.7976% | 2,193 |
| Noninterest expense to average assets | 3.6095% | 1,561 |
| Loan and lease loss provision to assets | 0.3722% | 1,759 |
| Net operating income to assets | 1.0587% | 2,212 |
| Return on assets (ROA) | 1.0201% | 2,606 |
| Pretax return on assets | 1.0251% | 3,615 |
| Return on Equity (ROE) | 10.0884% | 2,318 |
| Retained earnings to average equity (ytd only) | 0.2494% | 5,961 |
| Net charge-offs to loans | 0.6622% | 1,663 |
| Credit loss provision to net charge-offs | 91.0837% | 3,010 |
| Earnings coverage of net charge-offs (x) | 3.5144% | 3,346 |
| Efficiency ratio | 71.5397% | 3,512 |
| Assets per employee ($millions) | 3.2287% | 5,595 |
| Cash dividends to net income (ytd only)* | 97.5275% | 464 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7160% | 3,157 |
| Loan loss allowance to noncurrent loans | 58.0015% | 4,742 |
| Noncurrent assets plus other real estate owned to assets | 1.8011% | 3,037 |
| Noncurrent loans to loans | 2.9585% | 2,015 |
| Net loans and leases to total assets | 59.8341% | 3,857 |
| Net loans and leases to deposits | 71.8644% | 3,634 |
| Net loans and leases to core deposits | 74.9412% | 3,896 |
| Total domestic deposits to total assets | 83.2598% | 4,646 |
| Equity capital to assets | 10.3379% | 3,899 |
| Core capital (leverage) ratio | 10.1706% | 3,178 |
| Tier 1 risk-based capital ratio | 14.5291% | 4,082 |
| Total risk-based capital ratio | 15.7822% | 4,046 |
| Memoranda: |
| Average total assets | $356,838,670 | 1,842 |
| Average earning assets | $322,856,670 | 1,859 |
| Average equity | $36,081,000 | 1,928 |
| Average total loans | $220,161,330 | 1,853 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7004% | 519 |
| Cost of funding earning assets | 0.9287% | 2,450 |
| Net interest margin | 4.7717% | 602 |
| Noninterest income to average assets | 0.7785% | 2,261 |
| Noninterest expense to average assets | 3.6477% | 1,468 |
| Loan and lease loss provision to assets | 0.3067% | 2,052 |
| Net operating income to assets | 1.1358% | 1,937 |
| Return on assets (ROA) | 1.1144% | 2,197 |
| Pretax return on assets | 1.1144% | 3,271 |
| Return on Equity (ROE) | 11.1472% | 1,961 |
| Retained earnings to average equity (ytd only) | 0.1910% | 5,918 |
| Net charge-offs to loans | 0.2731% | 2,578 |
| Credit loss provision to net charge-offs | 180.7947% | 1,434 |
| Earnings coverage of net charge-offs (x) | 8.5033% | 1,952 |
| Efficiency ratio | 71.6619% | 3,504 |
| Assets per employee ($millions) | 3.1741% | 5,819 |
| Cash dividends to net income (ytd only)* | 98.2863% | 570 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7942% | 3,017 |
| Loan loss allowance to noncurrent loans | 58.8209% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 1.8968% | 3,047 |
| Noncurrent loans to loans | 3.0503% | 2,113 |
| Net loans and leases to total assets | 61.0695% | 3,434 |
| Net loans and leases to deposits | 72.8024% | 3,298 |
| Net loans and leases to core deposits | 75.7512% | 3,644 |
| Total domestic deposits to total assets | 83.8839% | 4,553 |
| Equity capital to assets | 10.2383% | 3,803 |
| Core capital (leverage) ratio | 10.0975% | 3,241 |
| Tier 1 risk-based capital ratio | 14.6414% | 3,991 |
| Total risk-based capital ratio | 15.8957% | 3,951 |
| Memoranda: |
| Average total assets | $356,063,500 | 1,856 |
| Average earning assets | $321,733,500 | 1,872 |
| Average equity | $35,596,500 | 1,950 |
| Average total loans | $221,150,500 | 1,847 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0534% | 395 |
| Cost of funding earning assets | 1.1469% | 2,366 |
| Net interest margin | 4.9065% | 499 |
| Noninterest income to average assets | 0.8425% | 1,873 |
| Noninterest expense to average assets | 3.6860% | 1,562 |
| Loan and lease loss provision to assets | 0.5011% | 2,099 |
| Net operating income to assets | 1.0650% | 1,936 |
| Return on assets (ROA) | 0.8282% | 3,082 |
| Pretax return on assets | 0.8310% | 3,865 |
| Return on Equity (ROE) | 8.3917% | 2,719 |
| Retained earnings to average equity (ytd only) | -4.9596% | 6,444 |
| Net charge-offs to loans | 0.7350% | 2,314 |
| Credit loss provision to net charge-offs | 105.8824% | 3,224 |
| Earnings coverage of net charge-offs (x) | 3.3151% | 3,557 |
| Efficiency ratio | 70.1248% | 3,923 |
| Assets per employee ($millions) | 3.1287% | 5,846 |
| Cash dividends to net income (ytd only)* | 159.1015% | 129 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7065% | 3,174 |
| Loan loss allowance to noncurrent loans | 56.1551% | 4,704 |
| Noncurrent assets plus other real estate owned to assets | 2.1412% | 2,798 |
| Noncurrent loans to loans | 3.0389% | 2,136 |
| Net loans and leases to total assets | 60.9774% | 3,792 |
| Net loans and leases to deposits | 75.0602% | 3,336 |
| Net loans and leases to core deposits | 78.4354% | 3,632 |
| Total domestic deposits to total assets | 81.2380% | 5,377 |
| Equity capital to assets | 9.7612% | 4,495 |
| Core capital (leverage) ratio | 9.9349% | 3,414 |
| Tier 1 risk-based capital ratio | 14.2120% | 4,167 |
| Total risk-based capital ratio | 15.4651% | 4,124 |
| Memoranda: |
| Average total assets | $362,831,600 | 1,792 |
| Average earning assets | $326,282,000 | 1,814 |
| Average equity | $35,809,000 | 1,891 |
| Average total loans | $233,599,400 | 1,789 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0880% | 400 |
| Cost of funding earning assets | 1.1876% | 2,403 |
| Net interest margin | 4.9004% | 510 |
| Noninterest income to average assets | 0.8071% | 2,022 |
| Noninterest expense to average assets | 3.7617% | 1,380 |
| Loan and lease loss provision to assets | 0.4133% | 2,396 |
| Net operating income to assets | 1.0286% | 2,217 |
| Return on assets (ROA) | 0.7726% | 3,451 |
| Pretax return on assets | 0.7763% | 4,210 |
| Return on Equity (ROE) | 7.8076% | 3,131 |
| Retained earnings to average equity (ytd only) | 4.2503% | 3,703 |
| Net charge-offs to loans | 0.6300% | 2,360 |
| Credit loss provision to net charge-offs | 100.9857% | 3,327 |
| Earnings coverage of net charge-offs (x) | 3.5323% | 3,408 |
| Efficiency ratio | 72.2113% | 3,511 |
| Assets per employee ($millions) | 3.0852% | 5,933 |
| Cash dividends to net income (ytd only)* | 45.5625% | 1,787 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6337% | 3,514 |
| Loan loss allowance to noncurrent loans | 44.6244% | 5,344 |
| Noncurrent assets plus other real estate owned to assets | 3.0212% | 2,124 |
| Noncurrent loans to loans | 3.6609% | 1,874 |
| Net loans and leases to total assets | 61.5091% | 3,847 |
| Net loans and leases to deposits | 75.6781% | 3,378 |
| Net loans and leases to core deposits | 79.2783% | 3,739 |
| Total domestic deposits to total assets | 81.2773% | 5,347 |
| Equity capital to assets | 10.4902% | 3,717 |
| Core capital (leverage) ratio | 10.6612% | 2,700 |
| Tier 1 risk-based capital ratio | 15.0196% | 3,649 |
| Total risk-based capital ratio | 16.2721% | 3,616 |
| Memoranda: |
| Average total assets | $363,589,000 | 1,794 |
| Average earning assets | $326,469,250 | 1,822 |
| Average equity | $35,981,000 | 1,881 |
| Average total loans | $236,197,500 | 1,789 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1063% | 377 |
| Cost of funding earning assets | 1.2374% | 2,340 |
| Net interest margin | 4.8688% | 524 |
| Noninterest income to average assets | 0.7946% | 2,043 |
| Noninterest expense to average assets | 3.9529% | 1,115 |
| Loan and lease loss provision to assets | 0.3566% | 2,648 |
| Net operating income to assets | 0.8467% | 2,874 |
| Return on assets (ROA) | 0.6053% | 4,174 |
| Pretax return on assets | 0.6108% | 4,712 |
| Return on Equity (ROE) | 6.2421% | 3,825 |
| Retained earnings to average equity (ytd only) | 2.6046% | 4,636 |
| Net charge-offs to loans | 0.7095% | 2,091 |
| Credit loss provision to net charge-offs | 76.4151% | 3,873 |
| Earnings coverage of net charge-offs (x) | 2.5955% | 3,531 |
| Efficiency ratio | 76.5026% | 2,936 |
| Assets per employee ($millions) | 2.9470% | 6,202 |
| Cash dividends to net income (ytd only)* | 58.2727% | 1,411 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5074% | 4,103 |
| Loan loss allowance to noncurrent loans | 39.1955% | 5,705 |
| Noncurrent assets plus other real estate owned to assets | 3.3947% | 1,944 |
| Noncurrent loans to loans | 3.8458% | 1,807 |
| Net loans and leases to total assets | 63.2351% | 3,629 |
| Net loans and leases to deposits | 75.4791% | 3,565 |
| Net loans and leases to core deposits | 78.9346% | 3,940 |
| Total domestic deposits to total assets | 83.7782% | 4,441 |
| Equity capital to assets | 10.0443% | 4,084 |
| Core capital (leverage) ratio | 10.5783% | 2,632 |
| Tier 1 risk-based capital ratio | 14.4632% | 3,814 |
| Total risk-based capital ratio | 15.7141% | 3,785 |
| Memoranda: |
| Average total assets | $363,433,670 | 1,802 |
| Average earning assets | $326,155,330 | 1,826 |
| Average equity | $35,244,670 | 1,903 |
| Average total loans | $239,048,000 | 1,782 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1437% | 370 |
| Cost of funding earning assets | 1.2900% | 2,242 |
| Net interest margin | 4.8536% | 509 |
| Noninterest income to average assets | 0.7639% | 2,198 |
| Noninterest expense to average assets | 4.2791% | 739 |
| Loan and lease loss provision to assets | 0.5232% | 1,662 |
| Net operating income to assets | 0.3122% | 5,349 |
| Return on assets (ROA) | 0.0209% | 6,337 |
| Pretax return on assets | 0.0209% | 6,325 |
| Return on Equity (ROE) | 0.2193% | 6,337 |
| Retained earnings to average equity (ytd only) | -3.4734% | 6,360 |
| Net charge-offs to loans | 1.1791% | 1,182 |
| Credit loss provision to net charge-offs | 66.6667% | 3,413 |
| Earnings coverage of net charge-offs (x) | 1.0644% | 3,866 |
| Efficiency ratio | 83.6235% | 2,001 |
| Assets per employee ($millions) | 2.9388% | 6,259 |
| Cash dividends to net income (ytd only)* | 1,684.2105% | 11 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4580% | 4,404 |
| Loan loss allowance to noncurrent loans | 45.2530% | 5,290 |
| Noncurrent assets plus other real estate owned to assets | 3.1209% | 2,212 |
| Noncurrent loans to loans | 3.2220% | 2,333 |
| Net loans and leases to total assets | 64.3568% | 3,376 |
| Net loans and leases to deposits | 77.4491% | 3,162 |
| Net loans and leases to core deposits | 81.2763% | 3,566 |
| Total domestic deposits to total assets | 83.0956% | 4,890 |
| Equity capital to assets | 9.5160% | 4,406 |
| Core capital (leverage) ratio | 10.3485% | 2,759 |
| Tier 1 risk-based capital ratio | 13.9755% | 4,088 |
| Total risk-based capital ratio | 15.2260% | 4,064 |
| Memoranda: |
| Average total assets | $363,912,500 | 1,806 |
| Average earning assets | $326,189,500 | 1,837 |
| Average equity | $34,663,000 | 1,913 |
| Average total loans | $242,212,000 | 1,775 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6361% | 261 |
| Cost of funding earning assets | 1.6194% | 1,955 |
| Net interest margin | 5.0167% | 417 |
| Noninterest income to average assets | 0.7904% | 2,329 |
| Noninterest expense to average assets | 3.5916% | 1,944 |
| Loan and lease loss provision to assets | 0.7770% | 2,113 |
| Net operating income to assets | 0.9171% | 2,327 |
| Return on assets (ROA) | 0.6043% | 3,815 |
| Pretax return on assets | 0.6043% | 4,310 |
| Return on Equity (ROE) | 6.8318% | 3,194 |
| Retained earnings to average equity (ytd only) | 2.1959% | 4,353 |
| Net charge-offs to loans | 0.9712% | 2,234 |
| Credit loss provision to net charge-offs | 116.6798% | 3,676 |
| Earnings coverage of net charge-offs (x) | 2.5439% | 3,840 |
| Efficiency ratio | 67.9050% | 4,581 |
| Assets per employee ($millions) | 2.9308% | 6,247 |
| Cash dividends to net income (ytd only)* | 67.8571% | 1,295 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5047% | 3,979 |
| Loan loss allowance to noncurrent loans | 63.3630% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 2.8196% | 2,486 |
| Noncurrent loans to loans | 2.3747% | 3,145 |
| Net loans and leases to total assets | 66.7896% | 3,278 |
| Net loans and leases to deposits | 82.0440% | 2,790 |
| Net loans and leases to core deposits | 86.8397% | 3,209 |
| Total domestic deposits to total assets | 81.4070% | 5,384 |
| Equity capital to assets | 9.5343% | 4,361 |
| Core capital (leverage) ratio | 9.8755% | 3,235 |
| Tier 1 risk-based capital ratio | 13.6785% | 4,079 |
| Total risk-based capital ratio | 14.9297% | 4,051 |
| Memoranda: |
| Average total assets | $379,912,600 | 1,726 |
| Average earning assets | $340,424,600 | 1,754 |
| Average equity | $33,607,600 | 1,964 |
| Average total loans | $260,498,200 | 1,698 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6357% | 264 |
| Cost of funding earning assets | 1.6480% | 2,117 |
| Net interest margin | 4.9877% | 452 |
| Noninterest income to average assets | 0.7645% | 2,422 |
| Noninterest expense to average assets | 3.5291% | 1,969 |
| Loan and lease loss provision to assets | 0.7548% | 2,028 |
| Net operating income to assets | 0.9495% | 2,415 |
| Return on assets (ROA) | 0.6253% | 3,941 |
| Pretax return on assets | 0.6253% | 4,508 |
| Return on Equity (ROE) | 7.2008% | 3,257 |
| Retained earnings to average equity (ytd only) | 2.8027% | 4,472 |
| Net charge-offs to loans | 0.8600% | 2,295 |
| Credit loss provision to net charge-offs | 127.6571% | 3,190 |
| Earnings coverage of net charge-offs (x) | 2.8826% | 3,690 |
| Efficiency ratio | 67.3942% | 4,585 |
| Assets per employee ($millions) | 2.9241% | 6,316 |
| Cash dividends to net income (ytd only)* | 61.0773% | 1,210 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4624% | 4,146 |
| Loan loss allowance to noncurrent loans | 43.0849% | 5,411 |
| Noncurrent assets plus other real estate owned to assets | 3.5077% | 2,032 |
| Noncurrent loans to loans | 3.3942% | 2,340 |
| Net loans and leases to total assets | 65.5875% | 3,780 |
| Net loans and leases to deposits | 81.2760% | 3,222 |
| Net loans and leases to core deposits | 87.0097% | 3,523 |
| Total domestic deposits to total assets | 80.6972% | 5,478 |
| Equity capital to assets | 9.1653% | 5,361 |
| Core capital (leverage) ratio | 9.8502% | 3,433 |
| Tier 1 risk-based capital ratio | 13.0889% | 4,509 |
| Total risk-based capital ratio | 14.3396% | 4,479 |
| Memoranda: |
| Average total assets | $384,036,750 | 1,733 |
| Average earning assets | $344,091,000 | 1,764 |
| Average equity | $33,347,250 | 1,997 |
| Average total loans | $264,014,750 | 1,700 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6771% | 256 |
| Cost of funding earning assets | 1.6777% | 2,246 |
| Net interest margin | 4.9994% | 420 |
| Noninterest income to average assets | 0.7449% | 2,432 |
| Noninterest expense to average assets | 3.4925% | 2,045 |
| Loan and lease loss provision to assets | 0.7564% | 1,900 |
| Net operating income to assets | 0.9776% | 2,271 |
| Return on assets (ROA) | 0.8336% | 2,963 |
| Pretax return on assets | 0.8336% | 3,763 |
| Return on Equity (ROE) | 9.7824% | 2,179 |
| Retained earnings to average equity (ytd only) | 5.0748% | 2,864 |
| Net charge-offs to loans | 0.5984% | 2,732 |
| Credit loss provision to net charge-offs | 181.9322% | 2,158 |
| Earnings coverage of net charge-offs (x) | 4.1706% | 3,030 |
| Efficiency ratio | 66.7831% | 4,824 |
| Assets per employee ($millions) | 2.8921% | 6,374 |
| Cash dividends to net income (ytd only)* | 48.1227% | 1,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5094% | 3,868 |
| Loan loss allowance to noncurrent loans | 43.5345% | 5,410 |
| Noncurrent assets plus other real estate owned to assets | 3.2614% | 2,161 |
| Noncurrent loans to loans | 3.4672% | 2,287 |
| Net loans and leases to total assets | 66.8194% | 3,660 |
| Net loans and leases to deposits | 82.5102% | 3,181 |
| Net loans and leases to core deposits | 88.4668% | 3,486 |
| Total domestic deposits to total assets | 80.9832% | 5,403 |
| Equity capital to assets | 8.8275% | 5,714 |
| Core capital (leverage) ratio | 9.9515% | 3,220 |
| Tier 1 risk-based capital ratio | 13.0131% | 4,425 |
| Total risk-based capital ratio | 14.2642% | 4,383 |
| Memoranda: |
| Average total assets | $383,390,330 | 1,751 |
| Average earning assets | $343,684,670 | 1,779 |
| Average equity | $32,671,000 | 2,027 |
| Average total loans | $266,383,330 | 1,707 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7067% | 264 |
| Cost of funding earning assets | 1.6659% | 2,562 |
| Net interest margin | 5.0408% | 385 |
| Noninterest income to average assets | 0.7096% | 2,530 |
| Noninterest expense to average assets | 3.4371% | 2,135 |
| Loan and lease loss provision to assets | 0.6594% | 1,921 |
| Net operating income to assets | 1.1286% | 1,744 |
| Return on assets (ROA) | 0.8851% | 2,678 |
| Pretax return on assets | 0.8851% | 3,520 |
| Return on Equity (ROE) | 10.5779% | 1,918 |
| Retained earnings to average equity (ytd only) | 8.8670% | 1,435 |
| Net charge-offs to loans | 0.4876% | 2,600 |
| Credit loss provision to net charge-offs | 192.3780% | 1,920 |
| Earnings coverage of net charge-offs (x) | 5.2165% | 2,441 |
| Efficiency ratio | 65.7400% | 5,172 |
| Assets per employee ($millions) | 2.8564% | 6,523 |
| Cash dividends to net income (ytd only)* | 16.1747% | 2,308 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3523% | 4,663 |
| Loan loss allowance to noncurrent loans | 35.4960% | 6,014 |
| Noncurrent assets plus other real estate owned to assets | 3.6166% | 1,942 |
| Noncurrent loans to loans | 3.8096% | 2,077 |
| Net loans and leases to total assets | 68.4018% | 3,295 |
| Net loans and leases to deposits | 84.5410% | 2,846 |
| Net loans and leases to core deposits | 84.8908% | 4,074 |
| Total domestic deposits to total assets | 80.9095% | 5,489 |
| Equity capital to assets | 8.5800% | 5,899 |
| Core capital (leverage) ratio | 9.9887% | 3,175 |
| Tier 1 risk-based capital ratio | 12.8598% | 4,431 |
| Total risk-based capital ratio | 14.0855% | 4,428 |
| Memoranda: |
| Average total assets | $382,761,000 | 1,802 |
| Average earning assets | $342,882,500 | 1,824 |
| Average equity | $32,029,000 | 2,088 |
| Average total loans | $269,095,500 | 1,745 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1500% | 225 |
| Cost of funding earning assets | 2.1867% | 2,093 |
| Net interest margin | 4.9633% | 484 |
| Noninterest income to average assets | 0.8658% | 2,103 |
| Noninterest expense to average assets | 3.6135% | 2,113 |
| Loan and lease loss provision to assets | 0.5330% | 3,706 |
| Net operating income to assets | 1.1782% | 1,305 |
| Return on assets (ROA) | 0.8988% | 2,248 |
| Pretax return on assets | 0.8988% | 2,927 |
| Return on Equity (ROE) | 11.7335% | 1,226 |
| Retained earnings to average equity (ytd only) | 3.4673% | 2,741 |
| Net charge-offs to loans | 0.5987% | 3,422 |
| Credit loss provision to net charge-offs | 124.1811% | 4,230 |
| Earnings coverage of net charge-offs (x) | 3.9869% | 3,116 |
| Efficiency ratio | 67.8205% | 5,036 |
| Assets per employee ($millions) | 2.8997% | 6,455 |
| Cash dividends to net income (ytd only)* | 70.4494% | 1,539 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2046% | 5,327 |
| Loan loss allowance to noncurrent loans | 33.0152% | 6,251 |
| Noncurrent assets plus other real estate owned to assets | 3.4609% | 1,944 |
| Noncurrent loans to loans | 3.6486% | 2,065 |
| Net loans and leases to total assets | 70.4097% | 3,156 |
| Net loans and leases to deposits | 87.4574% | 2,651 |
| Net loans and leases to core deposits | 112.4317% | 2,652 |
| Total domestic deposits to total assets | 80.5074% | 5,510 |
| Equity capital to assets | 8.1558% | 6,395 |
| Core capital (leverage) ratio | 9.3414% | 3,913 |
| Tier 1 risk-based capital ratio | 12.2929% | 4,695 |
| Total risk-based capital ratio | 13.3862% | 4,791 |
| Memoranda: |
| Average total assets | $391,197,000 | 1,759 |
| Average earning assets | $351,440,800 | 1,777 |
| Average equity | $29,965,600 | 2,231 |
| Average total loans | $280,421,400 | 1,713 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1925% | 227 |
| Cost of funding earning assets | 2.2429% | 2,215 |
| Net interest margin | 4.9496% | 497 |
| Noninterest income to average assets | 0.8566% | 2,171 |
| Noninterest expense to average assets | 3.6134% | 2,007 |
| Loan and lease loss provision to assets | 0.4776% | 3,522 |
| Net operating income to assets | 1.2153% | 1,428 |
| Return on assets (ROA) | 1.0526% | 1,953 |
| Pretax return on assets | 1.0526% | 2,728 |
| Return on Equity (ROE) | 13.9613% | 941 |
| Retained earnings to average equity (ytd only) | 8.3048% | 1,039 |
| Net charge-offs to loans | 0.6016% | 2,873 |
| Credit loss provision to net charge-offs | 110.5965% | 4,599 |
| Earnings coverage of net charge-offs (x) | 3.9199% | 3,332 |
| Efficiency ratio | 68.0572% | 4,963 |
| Assets per employee ($millions) | 2.8826% | 6,453 |
| Cash dividends to net income (ytd only)* | 40.5152% | 2,415 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0867% | 5,804 |
| Loan loss allowance to noncurrent loans | 50.1998% | 4,969 |
| Noncurrent assets plus other real estate owned to assets | 2.2886% | 2,995 |
| Noncurrent loans to loans | 2.1648% | 3,426 |
| Net loans and leases to total assets | 70.5188% | 3,384 |
| Net loans and leases to deposits | 91.8122% | 2,262 |
| Net loans and leases to core deposits | 115.3134% | 2,690 |
| Total domestic deposits to total assets | 76.8077% | 6,390 |
| Equity capital to assets | 8.4754% | 6,278 |
| Core capital (leverage) ratio | 9.7800% | 3,542 |
| Tier 1 risk-based capital ratio | 12.4819% | 4,554 |
| Total risk-based capital ratio | 13.4787% | 4,707 |
| Memoranda: |
| Average total assets | $393,306,250 | 1,759 |
| Average earning assets | $353,582,500 | 1,779 |
| Average equity | $29,652,750 | 2,278 |
| Average total loans | $282,330,250 | 1,723 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1478% | 252 |
| Cost of funding earning assets | 2.3685% | 2,087 |
| Net interest margin | 4.7793% | 681 |
| Noninterest income to average assets | 0.8934% | 2,013 |
| Noninterest expense to average assets | 3.5481% | 2,200 |
| Loan and lease loss provision to assets | 0.3912% | 3,568 |
| Net operating income to assets | 1.2506% | 1,354 |
| Return on assets (ROA) | 1.0190% | 2,130 |
| Pretax return on assets | 1.0190% | 2,933 |
| Return on Equity (ROE) | 14.0910% | 974 |
| Retained earnings to average equity (ytd only) | 8.0790% | 1,184 |
| Net charge-offs to loans | 0.5613% | 2,644 |
| Credit loss provision to net charge-offs | 96.8632% | 4,709 |
| Earnings coverage of net charge-offs (x) | 4.0652% | 3,230 |
| Efficiency ratio | 68.3265% | 5,098 |
| Assets per employee ($millions) | 2.8996% | 6,393 |
| Cash dividends to net income (ytd only)* | 42.6653% | 2,318 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0178% | 6,093 |
| Loan loss allowance to noncurrent loans | 41.0437% | 5,630 |
| Noncurrent assets plus other real estate owned to assets | 2.5899% | 2,484 |
| Noncurrent loans to loans | 2.4797% | 2,923 |
| Net loans and leases to total assets | 70.9311% | 3,477 |
| Net loans and leases to deposits | 94.1833% | 2,062 |
| Net loans and leases to core deposits | 116.5733% | 2,655 |
| Total domestic deposits to total assets | 75.3117% | 6,695 |
| Equity capital to assets | 8.0670% | 6,669 |
| Core capital (leverage) ratio | 9.6658% | 3,679 |
| Tier 1 risk-based capital ratio | 12.1730% | 4,782 |
| Total risk-based capital ratio | 13.1109% | 4,951 |
| Memoranda: |
| Average total assets | $394,691,670 | 1,785 |
| Average earning assets | $354,824,670 | 1,795 |
| Average equity | $28,543,000 | 2,369 |
| Average total loans | $283,960,670 | 1,740 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.9755% | 358 |
| Cost of funding earning assets | 2.4502% | 2,102 |
| Net interest margin | 4.5253% | 1,077 |
| Noninterest income to average assets | 1.0154% | 1,441 |
| Noninterest expense to average assets | 3.5184% | 2,051 |
| Loan and lease loss provision to assets | 0.4602% | 2,628 |
| Net operating income to assets | 1.1042% | 1,948 |
| Return on assets (ROA) | 1.1042% | 2,075 |
| Pretax return on assets | 1.1042% | 2,972 |
| Return on Equity (ROE) | 16.1921% | 791 |
| Retained earnings to average equity (ytd only) | 14.1644% | 505 |
| Net charge-offs to loans | 0.6077% | 1,959 |
| Credit loss provision to net charge-offs | 105.0691% | 3,610 |
| Earnings coverage of net charge-offs (x) | 3.5714% | 3,135 |
| Efficiency ratio | 69.1819% | 4,743 |
| Assets per employee ($millions) | 2.9217% | 6,369 |
| Cash dividends to net income (ytd only)* | 12.5229% | 2,670 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0182% | 6,046 |
| Loan loss allowance to noncurrent loans | 41.1106% | 5,802 |
| Noncurrent assets plus other real estate owned to assets | 2.5853% | 2,215 |
| Noncurrent loans to loans | 2.4768% | 2,658 |
| Net loans and leases to total assets | 71.5226% | 3,346 |
| Net loans and leases to deposits | 91.5931% | 2,672 |
| Net loans and leases to core deposits | 110.6025% | 3,354 |
| Total domestic deposits to total assets | 78.0873% | 5,985 |
| Equity capital to assets | 6.5956% | 7,838 |
| Core capital (leverage) ratio | 9.1068% | 4,547 |
| Tier 1 risk-based capital ratio | 11.8373% | 5,087 |
| Total risk-based capital ratio | 12.7692% | 5,288 |
| Memoranda: |
| Average total assets | $396,313,000 | 1,778 |
| Average earning assets | $356,216,000 | 1,803 |
| Average equity | $27,025,500 | 2,490 |
| Average total loans | $285,684,000 | 1,738 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.3887% | 503 |
| Cost of funding earning assets | 2.9877% | 1,911 |
| Net interest margin | 4.4009% | 1,681 |
| Noninterest income to average assets | 0.8292% | 2,355 |
| Noninterest expense to average assets | 3.3796% | 2,735 |
| Loan and lease loss provision to assets | 0.3670% | 3,484 |
| Net operating income to assets | 1.0552% | 2,333 |
| Return on assets (ROA) | 1.1797% | 1,773 |
| Pretax return on assets | 1.1795% | 2,727 |
| Return on Equity (ROE) | 14.6290% | 991 |
| Retained earnings to average equity (ytd only) | 6.5089% | 1,333 |
| Net charge-offs to loans | 0.4619% | 2,519 |
| Credit loss provision to net charge-offs | 111.3839% | 4,841 |
| Earnings coverage of net charge-offs (x) | 4.3155% | 4,028 |
| Efficiency ratio | 70.3395% | 4,281 |
| Assets per employee ($millions) | 2.8647% | 6,401 |
| Cash dividends to net income (ytd only)* | 55.5071% | 2,862 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0057% | 5,984 |
| Loan loss allowance to noncurrent loans | 56.5371% | 5,149 |
| Noncurrent assets plus other real estate owned to assets | 2.0349% | 2,418 |
| Noncurrent loans to loans | 1.7789% | 3,095 |
| Net loans and leases to total assets | 71.1910% | 3,750 |
| Net loans and leases to deposits | 95.5649% | 2,513 |
| Net loans and leases to core deposits | 115.8115% | 3,143 |
| Total domestic deposits to total assets | 74.4948% | 6,558 |
| Equity capital to assets | 7.0407% | 7,715 |
| Core capital (leverage) ratio | 8.6252% | 5,332 |
| Tier 1 risk-based capital ratio | 11.4574% | 5,279 |
| Total risk-based capital ratio | 12.3765% | 5,500 |
| Memoranda: |
| Average total assets | $407,885,000 | 1,662 |
| Average earning assets | $368,171,800 | 1,691 |
| Average equity | $32,893,600 | 2,054 |
| Average total loans | $290,969,400 | 1,661 |
