| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3694% | 2,203 |
| Cost of funding earning assets | 2.2223% | 1,600 |
| Net interest margin | 3.1471% | 2,751 |
| Noninterest income to average assets | 0.4400% | 2,147 |
| Noninterest expense to average assets | 2.2986% | 2,805 |
| Loan and lease loss provision to assets | 0.3900% | 237 |
| Net operating income to assets | 0.5795% | 3,230 |
| Return on assets (ROA) | 0.5776% | 3,267 |
| Pretax return on assets | 0.6849% | 3,262 |
| Return on Equity (ROE) | 8.0200% | 2,725 |
| Retained earnings to average equity (ytd only) | 8.0230% | 1,359 |
| Net charge-offs to loans | 0.3265% | 346 |
| Credit loss provision to net charge-offs | 195.0836% | 1,039 |
| Earnings coverage of net charge-offs (x) | 4.8614% | 2,243 |
| Efficiency ratio | 68.1689% | 2,310 |
| Assets per employee ($millions) | 9.2951% | 908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0984% | 2,799 |
| Loan loss allowance to noncurrent loans | 145.5915% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 0.5275% | 1,286 |
| Noncurrent loans to loans | 0.7544% | 1,232 |
| Net loans and leases to total assets | 69.1500% | 2,002 |
| Net loans and leases to deposits | 87.6465% | 1,516 |
| Net loans and leases to core deposits | 101.4973% | 1,388 |
| Total domestic deposits to total assets | 78.9000% | 3,599 |
| Equity capital to assets | 7.6651% | 3,644 |
| Core capital (leverage) ratio | 9.5321% | 3,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5374% | 2,055 |
| Memoranda: |
| Average total assets | $1,842,534,000 | 622 |
| Average earning assets | $1,713,746,000 | 612 |
| Average equity | $132,643,333 | 798 |
| Average total loans | $1,245,939,667 | 642 |
| 2024-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2673% | 2,256 |
| Cost of funding earning assets | 2.1891% | 1,570 |
| Net interest margin | 3.0782% | 2,845 |
| Noninterest income to average assets | 0.4400% | 2,063 |
| Noninterest expense to average assets | 1.9717% | 3,644 |
| Loan and lease loss provision to assets | 0.2700% | 350 |
| Net operating income to assets | 0.9230% | 2,174 |
| Return on assets (ROA) | 0.9204% | 2,194 |
| Pretax return on assets | 1.0649% | 2,216 |
| Return on Equity (ROE) | 13.2000% | 1,297 |
| Retained earnings to average equity (ytd only) | 13.2017% | 583 |
| Net charge-offs to loans | 0.3293% | 276 |
| Credit loss provision to net charge-offs | 146.1160% | 953 |
| Earnings coverage of net charge-offs (x) | 6.0865% | 1,828 |
| Efficiency ratio | 59.6638% | 3,298 |
| Assets per employee ($millions) | 9.0518% | 989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9962% | 3,323 |
| Loan loss allowance to noncurrent loans | 207.3760% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.3237% | 1,808 |
| Noncurrent loans to loans | 0.4804% | 1,727 |
| Net loans and leases to total assets | 66.7000% | 2,155 |
| Net loans and leases to deposits | 83.5260% | 1,752 |
| Net loans and leases to core deposits | 98.6287% | 1,490 |
| Total domestic deposits to total assets | 79.8600% | 3,540 |
| Equity capital to assets | 7.3967% | 3,728 |
| Core capital (leverage) ratio | 9.4656% | 3,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4527% | 2,090 |
| Memoranda: |
| Average total assets | $1,857,527,500 | 626 |
| Average earning assets | $1,729,695,000 | 615 |
| Average equity | $129,498,500 | 816 |
| Average total loans | $1,235,244,500 | 647 |
| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8703% | 2,343 |
| Cost of funding earning assets | 1.9999% | 916 |
| Net interest margin | 2.8704% | 3,538 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 1.9774% | 3,686 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.8721% | 2,626 |
| Return on assets (ROA) | 0.8842% | 2,567 |
| Pretax return on assets | 1.0710% | 2,492 |
| Return on Equity (ROE) | 13.8800% | 1,505 |
| Retained earnings to average equity (ytd only) | 5.1879% | 2,537 |
| Net charge-offs to loans | 0.1227% | 801 |
| Credit loss provision to net charge-offs | 129.5658% | 1,602 |
| Earnings coverage of net charge-offs (x) | 13.8911% | 2,095 |
| Efficiency ratio | 63.9195% | 2,619 |
| Assets per employee ($millions) | 8.7709% | 1,078 |
| Cash dividends to net income (ytd only)* | 62.6292% | 1,088 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9822% | 3,401 |
| Loan loss allowance to noncurrent loans | 222.9539% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.2891% | 1,787 |
| Noncurrent loans to loans | 0.4406% | 1,676 |
| Net loans and leases to total assets | 64.9800% | 2,371 |
| Net loans and leases to deposits | 78.9280% | 2,197 |
| Net loans and leases to core deposits | 90.9094% | 1,990 |
| Total domestic deposits to total assets | 82.3300% | 3,062 |
| Equity capital to assets | 6.5473% | 4,098 |
| Core capital (leverage) ratio | 8.7570% | 3,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6783% | 2,350 |
| Memoranda: |
| Average total assets | $1,805,835,600 | 624 |
| Average earning assets | $1,670,204,800 | 616 |
| Average equity | $115,017,600 | 857 |
| Average total loans | $1,182,955,600 | 639 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7821% | 2,306 |
| Cost of funding earning assets | 1.9309% | 815 |
| Net interest margin | 2.8512% | 3,638 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 1.9425% | 3,731 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.8962% | 2,692 |
| Return on assets (ROA) | 0.9097% | 2,633 |
| Pretax return on assets | 1.0790% | 2,630 |
| Return on Equity (ROE) | 14.3900% | 1,567 |
| Retained earnings to average equity (ytd only) | 14.3863% | 627 |
| Net charge-offs to loans | 0.1036% | 763 |
| Credit loss provision to net charge-offs | 164.9123% | 1,254 |
| Earnings coverage of net charge-offs (x) | 16.5186% | 1,929 |
| Efficiency ratio | 63.4158% | 2,571 |
| Assets per employee ($millions) | 8.3096% | 1,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0076% | 3,321 |
| Loan loss allowance to noncurrent loans | 236.2240% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 0.2839% | 1,866 |
| Noncurrent loans to loans | 0.4265% | 1,765 |
| Net loans and leases to total assets | 65.8900% | 2,251 |
| Net loans and leases to deposits | 79.4342% | 2,102 |
| Net loans and leases to core deposits | 89.9679% | 1,931 |
| Total domestic deposits to total assets | 82.9500% | 3,030 |
| Equity capital to assets | 6.2369% | 3,912 |
| Core capital (leverage) ratio | 9.1080% | 3,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2050% | 2,199 |
| Memoranda: |
| Average total assets | $1,792,435,250 | 629 |
| Average earning assets | $1,655,847,500 | 618 |
| Average equity | $113,336,250 | 857 |
| Average total loans | $1,173,628,250 | 645 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6238% | 2,364 |
| Cost of funding earning assets | 1.8212% | 711 |
| Net interest margin | 2.8026% | 3,818 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 1.9290% | 3,758 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 0.7835% | 3,133 |
| Return on assets (ROA) | 0.8067% | 3,066 |
| Pretax return on assets | 0.9823% | 2,966 |
| Return on Equity (ROE) | 12.7000% | 1,969 |
| Retained earnings to average equity (ytd only) | 12.6993% | 855 |
| Net charge-offs to loans | 0.0788% | 794 |
| Credit loss provision to net charge-offs | 387.3362% | 746 |
| Earnings coverage of net charge-offs (x) | 21.3952% | 1,722 |
| Efficiency ratio | 63.7423% | 2,515 |
| Assets per employee ($millions) | 8.3111% | 1,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0722% | 3,080 |
| Loan loss allowance to noncurrent loans | 342.3670% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.2038% | 2,173 |
| Noncurrent loans to loans | 0.3132% | 2,017 |
| Net loans and leases to total assets | 64.3700% | 2,351 |
| Net loans and leases to deposits | 80.4546% | 1,938 |
| Net loans and leases to core deposits | 92.1724% | 1,673 |
| Total domestic deposits to total assets | 80.0100% | 3,578 |
| Equity capital to assets | 6.3365% | 4,053 |
| Core capital (leverage) ratio | 8.9761% | 3,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9741% | 2,309 |
| Memoranda: |
| Average total assets | $1,786,084,000 | 619 |
| Average earning assets | $1,653,974,333 | 609 |
| Average equity | $113,455,000 | 850 |
| Average total loans | $1,162,920,333 | 636 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5425% | 2,214 |
| Cost of funding earning assets | 1.7025% | 572 |
| Net interest margin | 2.8400% | 3,883 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.0590% | 3,480 |
| Loan and lease loss provision to assets | 0.1600% | 685 |
| Net operating income to assets | 0.7072% | 3,448 |
| Return on assets (ROA) | 0.7401% | 3,329 |
| Pretax return on assets | 0.8988% | 3,240 |
| Return on Equity (ROE) | 11.6400% | 2,311 |
| Retained earnings to average equity (ytd only) | 11.6356% | 1,331 |
| Net charge-offs to loans | 0.0885% | 638 |
| Credit loss provision to net charge-offs | 385.3755% | 614 |
| Earnings coverage of net charge-offs (x) | 17.6957% | 1,497 |
| Efficiency ratio | 66.8836% | 2,103 |
| Assets per employee ($millions) | 8.0617% | 1,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0551% | 3,270 |
| Loan loss allowance to noncurrent loans | 462.8345% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.1482% | 2,478 |
| Noncurrent loans to loans | 0.2280% | 2,356 |
| Net loans and leases to total assets | 64.3400% | 2,217 |
| Net loans and leases to deposits | 78.6829% | 1,913 |
| Net loans and leases to core deposits | 90.4251% | 1,591 |
| Total domestic deposits to total assets | 81.7700% | 3,518 |
| Equity capital to assets | 6.5159% | 4,022 |
| Core capital (leverage) ratio | 8.9628% | 3,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9686% | 2,403 |
| Memoranda: |
| Average total assets | $1,756,592,500 | 638 |
| Average earning assets | $1,627,735,000 | 626 |
| Average equity | $111,726,000 | 873 |
| Average total loans | $1,144,083,000 | 646 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8540% | 2,118 |
| Cost of funding earning assets | 0.4055% | 2,053 |
| Net interest margin | 3.4484% | 2,103 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 2.0792% | 3,354 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.2587% | 1,572 |
| Return on assets (ROA) | 1.2415% | 1,577 |
| Pretax return on assets | 1.4959% | 1,469 |
| Return on Equity (ROE) | 16.4200% | 976 |
| Retained earnings to average equity (ytd only) | 4.6212% | 3,204 |
| Net charge-offs to loans | 0.0173% | 1,766 |
| Credit loss provision to net charge-offs | 1,060.5405% | 409 |
| Earnings coverage of net charge-offs (x) | 148.4541% | 792 |
| Efficiency ratio | 56.0048% | 3,585 |
| Assets per employee ($millions) | 7.8340% | 1,419 |
| Cash dividends to net income (ytd only)* | 71.8528% | 613 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2623% | 2,083 |
| Loan loss allowance to noncurrent loans | 499.5776% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.1648% | 2,388 |
| Noncurrent loans to loans | 0.2527% | 2,258 |
| Net loans and leases to total assets | 64.4200% | 2,205 |
| Net loans and leases to deposits | 78.1342% | 1,935 |
| Net loans and leases to core deposits | 80.9006% | 2,083 |
| Total domestic deposits to total assets | 82.4400% | 3,541 |
| Equity capital to assets | 6.1989% | 4,021 |
| Core capital (leverage) ratio | 8.7717% | 3,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1098% | 2,323 |
| Memoranda: |
| Average total assets | $1,681,498,200 | 642 |
| Average earning assets | $1,571,711,200 | 629 |
| Average equity | $127,154,400 | 777 |
| Average total loans | $1,068,221,800 | 648 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6677% | 2,143 |
| Cost of funding earning assets | 0.2280% | 2,948 |
| Net interest margin | 3.4397% | 1,842 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 2.0339% | 3,393 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.2801% | 1,426 |
| Return on assets (ROA) | 1.2691% | 1,421 |
| Pretax return on assets | 1.5297% | 1,329 |
| Return on Equity (ROE) | 16.0400% | 966 |
| Retained earnings to average equity (ytd only) | 16.0379% | 273 |
| Net charge-offs to loans | -0.0087% | 3,656 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.2207% | 3,695 |
| Assets per employee ($millions) | 7.8937% | 1,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2433% | 2,300 |
| Loan loss allowance to noncurrent loans | 506.5616% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.1742% | 2,416 |
| Noncurrent loans to loans | 0.2454% | 2,400 |
| Net loans and leases to total assets | 64.6800% | 2,015 |
| Net loans and leases to deposits | 72.9654% | 2,129 |
| Net loans and leases to core deposits | 75.5774% | 2,232 |
| Total domestic deposits to total assets | 88.6400% | 2,236 |
| Equity capital to assets | 6.6446% | 3,684 |
| Core capital (leverage) ratio | 9.3803% | 3,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1611% | 1,987 |
| Memoranda: |
| Average total assets | $1,671,001,250 | 650 |
| Average earning assets | $1,566,970,500 | 635 |
| Average equity | $132,233,750 | 752 |
| Average total loans | $1,054,183,000 | 652 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5018% | 2,138 |
| Cost of funding earning assets | 0.1206% | 3,955 |
| Net interest margin | 3.3812% | 1,659 |
| Noninterest income to average assets | 0.4434% | 2,490 |
| Noninterest expense to average assets | 1.9975% | 3,436 |
| Loan and lease loss provision to assets | 0.0988% | 1,014 |
| Net operating income to assets | 1.2653% | 1,239 |
| Return on assets (ROA) | 1.2535% | 1,255 |
| Pretax return on assets | 1.5138% | 1,136 |
| Return on Equity (ROE) | 15.0200% | 886 |
| Retained earnings to average equity (ytd only) | 15.0200% | 261 |
| Net charge-offs to loans | -0.0278% | 4,013 |
| Credit loss provision to net charge-offs | -570.1389% | 3,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1122% | 3,860 |
| Assets per employee ($millions) | 7.9908% | 1,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2283% | 2,546 |
| Loan loss allowance to noncurrent loans | 481.6775% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.1783% | 2,461 |
| Noncurrent loans to loans | 0.2550% | 2,456 |
| Net loans and leases to total assets | 63.8196% | 1,930 |
| Net loans and leases to deposits | 75.2249% | 1,746 |
| Net loans and leases to core deposits | 78.7528% | 1,797 |
| Total domestic deposits to total assets | 84.8384% | 3,520 |
| Equity capital to assets | 7.4141% | 3,524 |
| Core capital (leverage) ratio | 9.3226% | 3,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9106% | 2,095 |
| Memoranda: |
| Average total assets | $1,662,283,667 | 651 |
| Average earning assets | $1,563,900,000 | 639 |
| Average equity | $138,722,000 | 728 |
| Average total loans | $1,035,084,667 | 655 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3754% | 2,162 |
| Cost of funding earning assets | 0.0912% | 4,251 |
| Net interest margin | 3.2843% | 1,607 |
| Noninterest income to average assets | 0.4636% | 2,339 |
| Noninterest expense to average assets | 2.0499% | 3,300 |
| Loan and lease loss provision to assets | 0.1840% | 413 |
| Net operating income to assets | 1.1052% | 1,514 |
| Return on assets (ROA) | 1.0957% | 1,533 |
| Pretax return on assets | 1.3180% | 1,452 |
| Return on Equity (ROE) | 12.4220% | 1,190 |
| Retained earnings to average equity (ytd only) | 12.4220% | 541 |
| Net charge-offs to loans | 0.0183% | 1,166 |
| Credit loss provision to net charge-offs | 1,650.0000% | 244 |
| Earnings coverage of net charge-offs (x) | 135.7391% | 569 |
| Efficiency ratio | 57.5296% | 3,734 |
| Assets per employee ($millions) | 7.8229% | 1,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2668% | 2,515 |
| Loan loss allowance to noncurrent loans | 339.7774% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.2491% | 2,150 |
| Noncurrent loans to loans | 0.3728% | 2,150 |
| Net loans and leases to total assets | 62.2879% | 1,826 |
| Net loans and leases to deposits | 72.1880% | 1,763 |
| Net loans and leases to core deposits | 74.7978% | 1,867 |
| Total domestic deposits to total assets | 86.2856% | 3,167 |
| Equity capital to assets | 8.2675% | 3,350 |
| Core capital (leverage) ratio | 9.3039% | 2,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1003% | 2,163 |
| Memoranda: |
| Average total assets | $1,650,397,000 | 654 |
| Average earning assets | $1,557,609,000 | 643 |
| Average equity | $145,580,000 | 724 |
| Average total loans | $1,007,919,500 | 661 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5126% | 2,624 |
| Cost of funding earning assets | 0.1714% | 3,765 |
| Net interest margin | 3.3413% | 2,204 |
| Noninterest income to average assets | 0.4713% | 2,719 |
| Noninterest expense to average assets | 1.9726% | 3,761 |
| Loan and lease loss provision to assets | 0.0107% | 2,867 |
| Net operating income to assets | 1.3501% | 1,440 |
| Return on assets (ROA) | 1.3600% | 1,457 |
| Pretax return on assets | 1.6482% | 1,280 |
| Return on Equity (ROE) | 13.5410% | 1,298 |
| Retained earnings to average equity (ytd only) | 7.1462% | 1,864 |
| Net charge-offs to loans | -0.0316% | 4,145 |
| Credit loss provision to net charge-offs | -55.3333% | 3,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4992% | 3,878 |
| Assets per employee ($millions) | 7.6759% | 1,512 |
| Cash dividends to net income (ytd only)* | 47.2255% | 1,662 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2677% | 2,516 |
| Loan loss allowance to noncurrent loans | 321.4082% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.2885% | 2,089 |
| Noncurrent loans to loans | 0.3944% | 2,176 |
| Net loans and leases to total assets | 58.3252% | 2,338 |
| Net loans and leases to deposits | 65.9631% | 2,522 |
| Net loans and leases to core deposits | 67.6488% | 2,683 |
| Total domestic deposits to total assets | 88.4210% | 1,832 |
| Equity capital to assets | 9.3693% | 3,255 |
| Core capital (leverage) ratio | 8.9200% | 3,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6506% | 1,996 |
| Memoranda: |
| Average total assets | $1,556,951,800 | 667 |
| Average earning assets | $1,467,024,800 | 654 |
| Average equity | $156,377,200 | 690 |
| Average total loans | $950,187,600 | 688 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5431% | 2,711 |
| Cost of funding earning assets | 0.1942% | 3,673 |
| Net interest margin | 3.3489% | 2,294 |
| Noninterest income to average assets | 0.4823% | 2,702 |
| Noninterest expense to average assets | 1.8827% | 3,986 |
| Loan and lease loss provision to assets | -0.0150% | 4,337 |
| Net operating income to assets | 1.4751% | 1,330 |
| Return on assets (ROA) | 1.4894% | 1,347 |
| Pretax return on assets | 1.7815% | 1,203 |
| Return on Equity (ROE) | 14.5642% | 1,240 |
| Retained earnings to average equity (ytd only) | 14.5642% | 453 |
| Net charge-offs to loans | -0.0339% | 4,188 |
| Credit loss provision to net charge-offs | 71.6667% | 1,748 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8321% | 4,036 |
| Assets per employee ($millions) | 7.6876% | 1,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2533% | 2,714 |
| Loan loss allowance to noncurrent loans | 268.5587% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.2727% | 2,414 |
| Noncurrent loans to loans | 0.4667% | 2,161 |
| Net loans and leases to total assets | 57.0233% | 2,610 |
| Net loans and leases to deposits | 63.7798% | 2,874 |
| Net loans and leases to core deposits | 66.3071% | 2,925 |
| Total domestic deposits to total assets | 89.4066% | 1,069 |
| Equity capital to assets | 9.8374% | 3,076 |
| Core capital (leverage) ratio | 9.8004% | 2,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9083% | 1,646 |
| Memoranda: |
| Average total assets | $1,531,693,500 | 682 |
| Average earning assets | $1,440,676,750 | 670 |
| Average equity | $156,636,250 | 698 |
| Average total loans | $942,874,750 | 708 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5692% | 2,720 |
| Cost of funding earning assets | 0.2168% | 3,579 |
| Net interest margin | 3.3524% | 2,292 |
| Noninterest income to average assets | 0.5186% | 2,537 |
| Noninterest expense to average assets | 1.9079% | 3,943 |
| Loan and lease loss provision to assets | 0.0458% | 2,098 |
| Net operating income to assets | 1.4345% | 1,467 |
| Return on assets (ROA) | 1.4572% | 1,474 |
| Pretax return on assets | 1.7409% | 1,384 |
| Return on Equity (ROE) | 14.0507% | 1,399 |
| Retained earnings to average equity (ytd only) | 14.0507% | 537 |
| Net charge-offs to loans | 0.0013% | 2,187 |
| Credit loss provision to net charge-offs | 5,683.3333% | 117 |
| Earnings coverage of net charge-offs (x) | 2,183.1667% | 47 |
| Efficiency ratio | 52.0201% | 4,043 |
| Assets per employee ($millions) | 7.5628% | 1,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2572% | 2,653 |
| Loan loss allowance to noncurrent loans | 269.7036% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.3152% | 2,340 |
| Noncurrent loans to loans | 0.4661% | 2,277 |
| Net loans and leases to total assets | 63.4748% | 2,016 |
| Net loans and leases to deposits | 71.8863% | 2,216 |
| Net loans and leases to core deposits | 74.8119% | 2,347 |
| Total domestic deposits to total assets | 88.2988% | 1,670 |
| Equity capital to assets | 10.5161% | 2,381 |
| Core capital (leverage) ratio | 9.9002% | 2,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6919% | 1,724 |
| Memoranda: |
| Average total assets | $1,488,752,333 | 690 |
| Average earning assets | $1,398,475,000 | 682 |
| Average equity | $154,398,000 | 701 |
| Average total loans | $937,533,000 | 712 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5291% | 2,832 |
| Cost of funding earning assets | 0.2308% | 3,638 |
| Net interest margin | 3.2982% | 2,395 |
| Noninterest income to average assets | 0.5947% | 2,236 |
| Noninterest expense to average assets | 1.9290% | 3,915 |
| Loan and lease loss provision to assets | 0.0505% | 2,089 |
| Net operating income to assets | 1.4533% | 1,434 |
| Return on assets (ROA) | 1.4997% | 1,396 |
| Pretax return on assets | 1.7661% | 1,366 |
| Return on Equity (ROE) | 14.5660% | 1,309 |
| Retained earnings to average equity (ytd only) | 14.5660% | 677 |
| Net charge-offs to loans | 0.0262% | 1,237 |
| Credit loss provision to net charge-offs | 310.0000% | 742 |
| Earnings coverage of net charge-offs (x) | 108.1500% | 590 |
| Efficiency ratio | 52.2622% | 3,970 |
| Assets per employee ($millions) | 7.0840% | 1,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2954% | 2,458 |
| Loan loss allowance to noncurrent loans | 249.4011% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.3278% | 2,499 |
| Noncurrent loans to loans | 0.5194% | 2,295 |
| Net loans and leases to total assets | 61.5590% | 2,333 |
| Net loans and leases to deposits | 69.1300% | 2,590 |
| Net loans and leases to core deposits | 71.9877% | 2,704 |
| Total domestic deposits to total assets | 89.0480% | 1,322 |
| Equity capital to assets | 10.1448% | 2,557 |
| Core capital (leverage) ratio | 9.8818% | 2,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2615% | 1,488 |
| Memoranda: |
| Average total assets | $1,473,066,500 | 693 |
| Average earning assets | $1,382,920,500 | 680 |
| Average equity | $151,668,000 | 704 |
| Average total loans | $917,709,500 | 727 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6810% | 3,627 |
| Cost of funding earning assets | 0.4702% | 3,152 |
| Net interest margin | 3.2108% | 3,330 |
| Noninterest income to average assets | 0.4836% | 2,704 |
| Noninterest expense to average assets | 2.1209% | 3,890 |
| Loan and lease loss provision to assets | 0.1441% | 2,561 |
| Net operating income to assets | 0.9954% | 2,308 |
| Return on assets (ROA) | 1.0892% | 2,086 |
| Pretax return on assets | 1.3281% | 1,889 |
| Return on Equity (ROE) | 10.0520% | 1,988 |
| Retained earnings to average equity (ytd only) | 3.2023% | 3,222 |
| Net charge-offs to loans | -0.1182% | 4,837 |
| Credit loss provision to net charge-offs | -183.2861% | 3,793 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9678% | 3,322 |
| Assets per employee ($millions) | 7.1498% | 1,477 |
| Cash dividends to net income (ytd only)* | 68.1431% | 1,032 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3231% | 2,300 |
| Loan loss allowance to noncurrent loans | 213.5072% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.3896% | 2,427 |
| Noncurrent loans to loans | 0.6197% | 2,144 |
| Net loans and leases to total assets | 61.4063% | 2,674 |
| Net loans and leases to deposits | 69.2169% | 2,962 |
| Net loans and leases to core deposits | 72.3622% | 3,043 |
| Total domestic deposits to total assets | 88.7158% | 1,114 |
| Equity capital to assets | 10.4519% | 2,712 |
| Core capital (leverage) ratio | 9.5733% | 3,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7959% | 1,598 |
| Memoranda: |
| Average total assets | $1,347,297,000 | 680 |
| Average earning assets | $1,256,786,600 | 671 |
| Average equity | $145,991,000 | 691 |
| Average total loans | $895,647,600 | 717 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6399% | 3,928 |
| Cost of funding earning assets | 0.5237% | 3,091 |
| Net interest margin | 3.1162% | 3,701 |
| Noninterest income to average assets | 0.4807% | 2,695 |
| Noninterest expense to average assets | 2.1435% | 3,838 |
| Loan and lease loss provision to assets | 0.2075% | 1,936 |
| Net operating income to assets | 0.8616% | 2,854 |
| Return on assets (ROA) | 0.9889% | 2,512 |
| Pretax return on assets | 1.1852% | 2,441 |
| Return on Equity (ROE) | 9.0385% | 2,381 |
| Retained earnings to average equity (ytd only) | 9.0385% | 970 |
| Net charge-offs to loans | -0.1884% | 4,920 |
| Credit loss provision to net charge-offs | -162.7870% | 3,622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3655% | 2,852 |
| Assets per employee ($millions) | 7.0867% | 1,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2768% | 2,255 |
| Loan loss allowance to noncurrent loans | 198.6561% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.4333% | 2,442 |
| Noncurrent loans to loans | 0.6427% | 2,189 |
| Net loans and leases to total assets | 65.9403% | 2,527 |
| Net loans and leases to deposits | 74.5548% | 2,908 |
| Net loans and leases to core deposits | 78.2339% | 2,986 |
| Total domestic deposits to total assets | 88.4454% | 993 |
| Equity capital to assets | 10.7838% | 2,560 |
| Core capital (leverage) ratio | 10.1734% | 2,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0907% | 1,478 |
| Memoranda: |
| Average total assets | $1,321,268,000 | 677 |
| Average earning assets | $1,230,476,000 | 670 |
| Average equity | $144,563,750 | 688 |
| Average total loans | $893,757,250 | 711 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7457% | 3,990 |
| Cost of funding earning assets | 0.5756% | 3,105 |
| Net interest margin | 3.1701% | 3,745 |
| Noninterest income to average assets | 0.4836% | 2,633 |
| Noninterest expense to average assets | 2.1060% | 4,017 |
| Loan and lease loss provision to assets | 0.3092% | 1,395 |
| Net operating income to assets | 0.8470% | 2,878 |
| Return on assets (ROA) | 0.9880% | 2,503 |
| Pretax return on assets | 1.1841% | 2,413 |
| Return on Equity (ROE) | 8.9819% | 2,368 |
| Retained earnings to average equity (ytd only) | 8.9819% | 1,012 |
| Net charge-offs to loans | -0.0211% | 4,420 |
| Credit loss provision to net charge-offs | -2,154.3478% | 3,913 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4101% | 3,214 |
| Assets per employee ($millions) | 6.8272% | 1,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1614% | 2,719 |
| Loan loss allowance to noncurrent loans | 163.5608% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.4829% | 2,388 |
| Noncurrent loans to loans | 0.7101% | 2,101 |
| Net loans and leases to total assets | 66.3848% | 2,571 |
| Net loans and leases to deposits | 80.2016% | 2,398 |
| Net loans and leases to core deposits | 83.8754% | 2,613 |
| Total domestic deposits to total assets | 82.7724% | 3,154 |
| Equity capital to assets | 10.6317% | 2,638 |
| Core capital (leverage) ratio | 10.4194% | 2,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6741% | 1,578 |
| Memoranda: |
| Average total assets | $1,282,154,667 | 676 |
| Average earning assets | $1,191,462,000 | 668 |
| Average equity | $141,039,667 | 693 |
| Average total loans | $871,379,333 | 717 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9533% | 3,915 |
| Cost of funding earning assets | 0.6678% | 3,073 |
| Net interest margin | 3.2855% | 3,626 |
| Noninterest income to average assets | 0.5027% | 2,537 |
| Noninterest expense to average assets | 2.3501% | 3,651 |
| Loan and lease loss provision to assets | 0.3784% | 812 |
| Net operating income to assets | 0.6742% | 3,351 |
| Return on assets (ROA) | 0.7187% | 3,293 |
| Pretax return on assets | 0.8673% | 3,230 |
| Return on Equity (ROE) | 6.4089% | 3,165 |
| Retained earnings to average equity (ytd only) | 6.4089% | 1,744 |
| Net charge-offs to loans | 0.0932% | 1,134 |
| Credit loss provision to net charge-offs | 593.2990% | 798 |
| Earnings coverage of net charge-offs (x) | 18.6907% | 1,462 |
| Efficiency ratio | 66.3449% | 2,903 |
| Assets per employee ($millions) | 5.8590% | 1,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1859% | 2,742 |
| Loan loss allowance to noncurrent loans | 115.5201% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 0.6973% | 1,921 |
| Noncurrent loans to loans | 1.0266% | 1,617 |
| Net loans and leases to total assets | 66.4599% | 2,761 |
| Net loans and leases to deposits | 82.4109% | 2,403 |
| Net loans and leases to core deposits | 86.7399% | 2,618 |
| Total domestic deposits to total assets | 80.6445% | 3,733 |
| Equity capital to assets | 11.4061% | 2,521 |
| Core capital (leverage) ratio | 11.0884% | 2,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4393% | 1,775 |
| Memoranda: |
| Average total assets | $1,216,617,500 | 684 |
| Average earning assets | $1,125,546,500 | 678 |
| Average equity | $136,434,500 | 714 |
| Average total loans | $832,472,500 | 721 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1638% | 3,902 |
| Cost of funding earning assets | 0.8460% | 2,451 |
| Net interest margin | 3.3178% | 3,947 |
| Noninterest income to average assets | 0.5209% | 2,622 |
| Noninterest expense to average assets | 2.4366% | 3,602 |
| Loan and lease loss provision to assets | 0.0662% | 2,692 |
| Net operating income to assets | 0.8867% | 3,264 |
| Return on assets (ROA) | 0.9733% | 3,024 |
| Pretax return on assets | 1.1666% | 2,962 |
| Return on Equity (ROE) | 9.1818% | 2,673 |
| Retained earnings to average equity (ytd only) | 1.3435% | 4,262 |
| Net charge-offs to loans | 0.1641% | 1,226 |
| Credit loss provision to net charge-offs | 58.3455% | 3,056 |
| Earnings coverage of net charge-offs (x) | 9.9422% | 2,613 |
| Efficiency ratio | 68.3471% | 2,411 |
| Assets per employee ($millions) | 5.6721% | 1,902 |
| Cash dividends to net income (ytd only)* | 85.3679% | 643 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0789% | 3,067 |
| Loan loss allowance to noncurrent loans | 98.5249% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 0.7869% | 1,642 |
| Noncurrent loans to loans | 1.0951% | 1,379 |
| Net loans and leases to total assets | 68.8914% | 2,554 |
| Net loans and leases to deposits | 81.9128% | 2,566 |
| Net loans and leases to core deposits | 86.0283% | 2,791 |
| Total domestic deposits to total assets | 84.1033% | 2,818 |
| Equity capital to assets | 11.0142% | 2,985 |
| Core capital (leverage) ratio | 10.3577% | 3,122 |
| Tier 1 risk-based capital ratio | 13.7111% | 3,410 |
| Total risk-based capital ratio | 14.7806% | 3,405 |
| Memoranda: |
| Average total assets | $1,203,517,200 | 659 |
| Average earning assets | $1,104,267,600 | 659 |
| Average equity | $127,578,600 | 720 |
| Average total loans | $832,357,600 | 691 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1582% | 4,021 |
| Cost of funding earning assets | 0.8762% | 2,339 |
| Net interest margin | 3.2820% | 4,122 |
| Noninterest income to average assets | 0.4609% | 2,955 |
| Noninterest expense to average assets | 2.3929% | 3,708 |
| Loan and lease loss provision to assets | 0.0917% | 2,073 |
| Net operating income to assets | 0.8239% | 3,597 |
| Return on assets (ROA) | 0.8920% | 3,451 |
| Pretax return on assets | 1.0668% | 3,394 |
| Return on Equity (ROE) | 8.4961% | 3,111 |
| Retained earnings to average equity (ytd only) | 8.4961% | 1,205 |
| Net charge-offs to loans | 0.1655% | 1,023 |
| Credit loss provision to net charge-offs | 80.2708% | 2,503 |
| Earnings coverage of net charge-offs (x) | 9.4304% | 2,572 |
| Efficiency ratio | 68.9518% | 2,265 |
| Assets per employee ($millions) | 5.3529% | 2,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1116% | 2,970 |
| Loan loss allowance to noncurrent loans | 152.2308% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.5471% | 2,370 |
| Noncurrent loans to loans | 0.7302% | 2,141 |
| Net loans and leases to total assets | 69.4234% | 2,564 |
| Net loans and leases to deposits | 85.9443% | 2,194 |
| Net loans and leases to core deposits | 90.7414% | 2,490 |
| Total domestic deposits to total assets | 80.7771% | 3,810 |
| Equity capital to assets | 11.6496% | 2,563 |
| Core capital (leverage) ratio | 11.0104% | 2,629 |
| Tier 1 risk-based capital ratio | 14.2852% | 3,182 |
| Total risk-based capital ratio | 15.3656% | 3,177 |
| Memoranda: |
| Average total assets | $1,206,612,500 | 660 |
| Average earning assets | $1,106,400,750 | 658 |
| Average equity | $126,674,750 | 719 |
| Average total loans | $833,062,000 | 694 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1387% | 4,069 |
| Cost of funding earning assets | 0.8852% | 2,219 |
| Net interest margin | 3.2535% | 4,231 |
| Noninterest income to average assets | 0.4527% | 2,945 |
| Noninterest expense to average assets | 2.3744% | 3,806 |
| Loan and lease loss provision to assets | 0.0319% | 3,191 |
| Net operating income to assets | 0.8669% | 3,410 |
| Return on assets (ROA) | 0.9153% | 3,286 |
| Pretax return on assets | 1.0919% | 3,258 |
| Return on Equity (ROE) | 9.0448% | 2,835 |
| Retained earnings to average equity (ytd only) | 9.0448% | 1,024 |
| Net charge-offs to loans | 0.1845% | 894 |
| Credit loss provision to net charge-offs | 25.1630% | 2,626 |
| Earnings coverage of net charge-offs (x) | 8.4159% | 2,419 |
| Efficiency ratio | 69.0125% | 2,375 |
| Assets per employee ($millions) | 5.3556% | 2,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0978% | 3,081 |
| Loan loss allowance to noncurrent loans | 168.7099% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.4908% | 2,579 |
| Noncurrent loans to loans | 0.6507% | 2,321 |
| Net loans and leases to total assets | 67.4788% | 2,894 |
| Net loans and leases to deposits | 83.8485% | 2,505 |
| Net loans and leases to core deposits | 88.8524% | 2,719 |
| Total domestic deposits to total assets | 80.4770% | 3,944 |
| Equity capital to assets | 11.3272% | 2,760 |
| Core capital (leverage) ratio | 10.6879% | 2,901 |
| Tier 1 risk-based capital ratio | 14.2132% | 3,202 |
| Total risk-based capital ratio | 15.2538% | 3,232 |
| Memoranda: |
| Average total assets | $1,210,919,000 | 652 |
| Average earning assets | $1,112,030,670 | 650 |
| Average equity | $122,546,000 | 732 |
| Average total loans | $831,410,330 | 697 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1318% | 4,054 |
| Cost of funding earning assets | 0.9017% | 1,990 |
| Net interest margin | 3.2301% | 4,327 |
| Noninterest income to average assets | 0.4399% | 2,912 |
| Noninterest expense to average assets | 2.4173% | 3,726 |
| Loan and lease loss provision to assets | -0.0505% | 5,258 |
| Net operating income to assets | 0.8682% | 3,361 |
| Return on assets (ROA) | 0.9150% | 3,218 |
| Pretax return on assets | 1.0971% | 3,160 |
| Return on Equity (ROE) | 9.6024% | 2,545 |
| Retained earnings to average equity (ytd only) | 9.6024% | 1,136 |
| Net charge-offs to loans | 0.0534% | 1,523 |
| Credit loss provision to net charge-offs | -137.5000% | 3,584 |
| Earnings coverage of net charge-offs (x) | 26.9464% | 1,387 |
| Efficiency ratio | 70.9417% | 2,195 |
| Assets per employee ($millions) | 5.2110% | 2,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1022% | 3,113 |
| Loan loss allowance to noncurrent loans | 149.8462% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.5868% | 2,302 |
| Noncurrent loans to loans | 0.7356% | 2,186 |
| Net loans and leases to total assets | 68.6729% | 2,664 |
| Net loans and leases to deposits | 79.8036% | 2,860 |
| Net loans and leases to core deposits | 90.5446% | 2,439 |
| Total domestic deposits to total assets | 86.0523% | 2,261 |
| Equity capital to assets | 10.6062% | 3,252 |
| Core capital (leverage) ratio | 10.0670% | 3,529 |
| Tier 1 risk-based capital ratio | 13.4549% | 3,629 |
| Total risk-based capital ratio | 14.4933% | 3,652 |
| Memoranda: |
| Average total assets | $1,219,232,000 | 653 |
| Average earning assets | $1,120,087,000 | 651 |
| Average equity | $116,179,000 | 768 |
| Average total loans | $839,696,000 | 691 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0290% | 3,945 |
| Cost of funding earning assets | 0.7105% | 2,027 |
| Net interest margin | 3.3185% | 4,207 |
| Noninterest income to average assets | 0.9658% | 1,024 |
| Noninterest expense to average assets | 2.3787% | 3,942 |
| Loan and lease loss provision to assets | 0.2103% | 886 |
| Net operating income to assets | 1.1852% | 2,238 |
| Return on assets (ROA) | 1.1831% | 2,249 |
| Pretax return on assets | 1.4364% | 2,005 |
| Return on Equity (ROE) | 14.0406% | 1,033 |
| Retained earnings to average equity (ytd only) | 2.1207% | 4,308 |
| Net charge-offs to loans | 0.2493% | 772 |
| Credit loss provision to net charge-offs | 123.4867% | 2,118 |
| Earnings coverage of net charge-offs (x) | 9.6847% | 2,791 |
| Efficiency ratio | 59.0554% | 4,004 |
| Assets per employee ($millions) | 5.4403% | 2,015 |
| Cash dividends to net income (ytd only)* | 84.8958% | 557 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1333% | 2,912 |
| Loan loss allowance to noncurrent loans | 202.7044% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 0.4567% | 2,739 |
| Noncurrent loans to loans | 0.5591% | 2,598 |
| Net loans and leases to total assets | 67.5388% | 2,939 |
| Net loans and leases to deposits | 75.7837% | 3,365 |
| Net loans and leases to core deposits | 86.0963% | 2,907 |
| Total domestic deposits to total assets | 89.1205% | 813 |
| Equity capital to assets | 8.4695% | 4,948 |
| Core capital (leverage) ratio | 8.2655% | 5,143 |
| Tier 1 risk-based capital ratio | 11.1119% | 4,917 |
| Total risk-based capital ratio | 12.1729% | 4,898 |
| Memoranda: |
| Average total assets | $1,212,631,000 | 635 |
| Average earning assets | $1,118,933,400 | 631 |
| Average equity | $102,182,000 | 833 |
| Average total loans | $828,299,600 | 676 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9869% | 3,965 |
| Cost of funding earning assets | 0.6612% | 2,087 |
| Net interest margin | 3.3257% | 4,209 |
| Noninterest income to average assets | 0.4752% | 3,009 |
| Noninterest expense to average assets | 2.3156% | 4,060 |
| Loan and lease loss provision to assets | 0.3033% | 481 |
| Net operating income to assets | 0.7807% | 3,970 |
| Return on assets (ROA) | 0.7772% | 3,993 |
| Pretax return on assets | 0.9231% | 3,940 |
| Return on Equity (ROE) | 9.2353% | 2,983 |
| Retained earnings to average equity (ytd only) | 2.4766% | 4,412 |
| Net charge-offs to loans | 0.3160% | 530 |
| Credit loss provision to net charge-offs | 140.5419% | 1,803 |
| Earnings coverage of net charge-offs (x) | 5.7020% | 2,945 |
| Efficiency ratio | 65.2987% | 2,986 |
| Assets per employee ($millions) | 5.5760% | 1,849 |
| Cash dividends to net income (ytd only)* | 73.1828% | 753 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1357% | 2,993 |
| Loan loss allowance to noncurrent loans | 223.7987% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.4088% | 3,056 |
| Noncurrent loans to loans | 0.5075% | 2,863 |
| Net loans and leases to total assets | 68.4879% | 2,867 |
| Net loans and leases to deposits | 78.0942% | 3,228 |
| Net loans and leases to core deposits | 88.8413% | 2,760 |
| Total domestic deposits to total assets | 87.6990% | 1,395 |
| Equity capital to assets | 7.9674% | 5,191 |
| Core capital (leverage) ratio | 7.9048% | 5,335 |
| Tier 1 risk-based capital ratio | 10.4662% | 5,247 |
| Total risk-based capital ratio | 11.5415% | 5,226 |
| Memoranda: |
| Average total assets | $1,208,410,000 | 637 |
| Average earning assets | $1,115,859,750 | 629 |
| Average equity | $101,694,000 | 837 |
| Average total loans | $825,394,750 | 672 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9275% | 4,001 |
| Cost of funding earning assets | 0.5907% | 2,287 |
| Net interest margin | 3.3368% | 4,142 |
| Noninterest income to average assets | 0.5115% | 2,794 |
| Noninterest expense to average assets | 2.3356% | 4,058 |
| Loan and lease loss provision to assets | 0.2678% | 567 |
| Net operating income to assets | 0.8331% | 3,745 |
| Return on assets (ROA) | 0.8289% | 3,761 |
| Pretax return on assets | 0.9852% | 3,708 |
| Return on Equity (ROE) | 9.6700% | 2,729 |
| Retained earnings to average equity (ytd only) | 1.5563% | 4,620 |
| Net charge-offs to loans | 0.2894% | 553 |
| Credit loss provision to net charge-offs | 136.1702% | 1,678 |
| Earnings coverage of net charge-offs (x) | 6.3966% | 2,633 |
| Efficiency ratio | 64.9930% | 3,158 |
| Assets per employee ($millions) | 5.3327% | 2,067 |
| Cash dividends to net income (ytd only)* | 83.9055% | 624 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1050% | 3,229 |
| Loan loss allowance to noncurrent loans | 272.6722% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.3440% | 3,378 |
| Noncurrent loans to loans | 0.4052% | 3,243 |
| Net loans and leases to total assets | 68.4258% | 2,805 |
| Net loans and leases to deposits | 88.6075% | 2,033 |
| Net loans and leases to core deposits | 94.1926% | 2,205 |
| Total domestic deposits to total assets | 77.2236% | 4,706 |
| Equity capital to assets | 8.1024% | 5,188 |
| Core capital (leverage) ratio | 7.9590% | 5,359 |
| Tier 1 risk-based capital ratio | 10.4067% | 5,309 |
| Total risk-based capital ratio | 11.4585% | 5,298 |
| Memoranda: |
| Average total assets | $1,194,873,330 | 645 |
| Average earning assets | $1,103,701,000 | 638 |
| Average equity | $102,420,330 | 836 |
| Average total loans | $812,108,330 | 681 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8521% | 4,077 |
| Cost of funding earning assets | 0.5236% | 2,602 |
| Net interest margin | 3.3285% | 4,112 |
| Noninterest income to average assets | 0.5177% | 2,700 |
| Noninterest expense to average assets | 2.4129% | 3,911 |
| Loan and lease loss provision to assets | 0.2454% | 611 |
| Net operating income to assets | 0.7876% | 3,764 |
| Return on assets (ROA) | 0.7821% | 3,779 |
| Pretax return on assets | 0.9273% | 3,760 |
| Return on Equity (ROE) | 8.8688% | 2,968 |
| Retained earnings to average equity (ytd only) | 5.0044% | 3,166 |
| Net charge-offs to loans | 0.0972% | 1,207 |
| Credit loss provision to net charge-offs | 375.0000% | 709 |
| Earnings coverage of net charge-offs (x) | 18.0208% | 1,552 |
| Efficiency ratio | 67.1727% | 2,973 |
| Assets per employee ($millions) | 5.2070% | 2,244 |
| Cash dividends to net income (ytd only)* | 43.5730% | 1,711 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1826% | 2,917 |
| Loan loss allowance to noncurrent loans | 397.9193% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.2512% | 3,865 |
| Noncurrent loans to loans | 0.2972% | 3,702 |
| Net loans and leases to total assets | 67.3021% | 2,853 |
| Net loans and leases to deposits | 83.6273% | 2,432 |
| Net loans and leases to core deposits | 92.2805% | 2,276 |
| Total domestic deposits to total assets | 80.4786% | 4,327 |
| Equity capital to assets | 8.6078% | 4,895 |
| Core capital (leverage) ratio | 8.2798% | 5,273 |
| Tier 1 risk-based capital ratio | 10.9715% | 5,142 |
| Total risk-based capital ratio | 12.0974% | 5,115 |
| Memoranda: |
| Average total assets | $1,173,712,500 | 659 |
| Average earning assets | $1,084,081,500 | 654 |
| Average equity | $103,509,000 | 827 |
| Average total loans | $790,152,500 | 701 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6290% | 4,513 |
| Cost of funding earning assets | 0.3951% | 3,300 |
| Net interest margin | 3.2340% | 4,349 |
| Noninterest income to average assets | 0.4654% | 3,218 |
| Noninterest expense to average assets | 2.4033% | 4,071 |
| Loan and lease loss provision to assets | 0.0672% | 2,858 |
| Net operating income to assets | 0.0061% | 5,349 |
| Return on assets (ROA) | 0.0954% | 5,268 |
| Pretax return on assets | 1.0819% | 3,258 |
| Return on Equity (ROE) | 0.9662% | 5,235 |
| Retained earnings to average equity (ytd only) | -6.7299% | 5,484 |
| Net charge-offs to loans | 0.0207% | 3,416 |
| Credit loss provision to net charge-offs | 499.3506% | 630 |
| Earnings coverage of net charge-offs (x) | 75.0130% | 805 |
| Efficiency ratio | 70.4197% | 2,484 |
| Assets per employee ($millions) | 5.0445% | 2,425 |
| Cash dividends to net income (ytd only)* | 796.5201% | 8 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1706% | 2,949 |
| Loan loss allowance to noncurrent loans | 350.5627% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.3103% | 3,646 |
| Noncurrent loans to loans | 0.3339% | 3,571 |
| Net loans and leases to total assets | 65.7371% | 3,132 |
| Net loans and leases to deposits | 76.0764% | 3,321 |
| Net loans and leases to core deposits | 82.0773% | 3,237 |
| Total domestic deposits to total assets | 86.4094% | 2,269 |
| Equity capital to assets | 9.0350% | 4,681 |
| Core capital (leverage) ratio | 8.2371% | 5,328 |
| Tier 1 risk-based capital ratio | 11.3608% | 4,944 |
| Total risk-based capital ratio | 12.4884% | 4,897 |
| Memoranda: |
| Average total assets | $1,144,314,400 | 650 |
| Average earning assets | $1,042,902,400 | 649 |
| Average equity | $113,018,000 | 729 |
| Average total loans | $743,804,200 | 706 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5663% | 4,644 |
| Cost of funding earning assets | 0.3778% | 3,396 |
| Net interest margin | 3.1885% | 4,478 |
| Noninterest income to average assets | 0.4292% | 3,484 |
| Noninterest expense to average assets | 2.3092% | 4,280 |
| Loan and lease loss provision to assets | 0.0568% | 2,952 |
| Net operating income to assets | 0.7066% | 3,946 |
| Return on assets (ROA) | 0.8208% | 3,474 |
| Pretax return on assets | 1.1181% | 3,236 |
| Return on Equity (ROE) | 8.1343% | 3,059 |
| Retained earnings to average equity (ytd only) | -0.2793% | 5,252 |
| Net charge-offs to loans | 0.0078% | 3,449 |
| Credit loss provision to net charge-offs | 1,130.2326% | 323 |
| Earnings coverage of net charge-offs (x) | 202.5882% | 429 |
| Efficiency ratio | 69.3932% | 2,634 |
| Assets per employee ($millions) | 5.1131% | 2,315 |
| Cash dividends to net income (ytd only)* | 103.4330% | 278 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1666% | 3,111 |
| Loan loss allowance to noncurrent loans | 335.4277% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.3228% | 3,764 |
| Noncurrent loans to loans | 0.3478% | 3,701 |
| Net loans and leases to total assets | 64.9711% | 3,256 |
| Net loans and leases to deposits | 76.3513% | 3,340 |
| Net loans and leases to core deposits | 83.4643% | 3,177 |
| Total domestic deposits to total assets | 85.0949% | 2,679 |
| Equity capital to assets | 9.8447% | 4,092 |
| Core capital (leverage) ratio | 8.6682% | 5,093 |
| Tier 1 risk-based capital ratio | 11.5544% | 4,923 |
| Total risk-based capital ratio | 12.6490% | 4,901 |
| Memoranda: |
| Average total assets | $1,140,334,750 | 657 |
| Average earning assets | $1,036,610,000 | 657 |
| Average equity | $115,065,750 | 712 |
| Average total loans | $736,820,750 | 715 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5135% | 4,732 |
| Cost of funding earning assets | 0.3550% | 3,530 |
| Net interest margin | 3.1585% | 4,522 |
| Noninterest income to average assets | 0.4203% | 3,562 |
| Noninterest expense to average assets | 2.3758% | 4,129 |
| Loan and lease loss provision to assets | -0.0100% | 5,546 |
| Net operating income to assets | 0.6701% | 3,978 |
| Return on assets (ROA) | 0.7933% | 3,484 |
| Pretax return on assets | 1.0956% | 3,202 |
| Return on Equity (ROE) | 7.7973% | 3,146 |
| Retained earnings to average equity (ytd only) | 6.9315% | 1,627 |
| Net charge-offs to loans | -0.0293% | 4,944 |
| Credit loss provision to net charge-offs | 53.2710% | 2,526 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2065% | 2,302 |
| Assets per employee ($millions) | 5.0093% | 2,378 |
| Cash dividends to net income (ytd only)* | 11.1037% | 3,348 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1542% | 3,290 |
| Loan loss allowance to noncurrent loans | 230.0733% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.4394% | 3,359 |
| Noncurrent loans to loans | 0.5017% | 3,248 |
| Net loans and leases to total assets | 65.5153% | 3,181 |
| Net loans and leases to deposits | 77.7259% | 3,146 |
| Net loans and leases to core deposits | 84.5483% | 3,010 |
| Total domestic deposits to total assets | 84.2902% | 3,091 |
| Equity capital to assets | 10.7328% | 3,101 |
| Core capital (leverage) ratio | 9.1144% | 4,597 |
| Tier 1 risk-based capital ratio | 12.3637% | 4,376 |
| Total risk-based capital ratio | 13.4456% | 4,379 |
| Memoranda: |
| Average total assets | $1,135,262,670 | 658 |
| Average earning assets | $1,031,569,670 | 662 |
| Average equity | $115,501,000 | 714 |
| Average total loans | $729,215,670 | 720 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4215% | 4,887 |
| Cost of funding earning assets | 0.3350% | 3,706 |
| Net interest margin | 3.0866% | 4,691 |
| Noninterest income to average assets | 0.4402% | 3,374 |
| Noninterest expense to average assets | 2.3804% | 4,178 |
| Loan and lease loss provision to assets | -0.1664% | 5,784 |
| Net operating income to assets | 0.7759% | 3,335 |
| Return on assets (ROA) | 0.8485% | 3,040 |
| Pretax return on assets | 1.1290% | 2,867 |
| Return on Equity (ROE) | 8.5662% | 2,635 |
| Retained earnings to average equity (ytd only) | 8.5662% | 1,248 |
| Net charge-offs to loans | -0.2008% | 5,624 |
| Credit loss provision to net charge-offs | 130.9589% | 1,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3276% | 2,352 |
| Assets per employee ($millions) | 4.8411% | 2,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1552% | 3,382 |
| Loan loss allowance to noncurrent loans | 432.1540% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.2966% | 4,011 |
| Noncurrent loans to loans | 0.2673% | 4,155 |
| Net loans and leases to total assets | 64.3888% | 3,220 |
| Net loans and leases to deposits | 76.9064% | 3,093 |
| Net loans and leases to core deposits | 83.4920% | 2,946 |
| Total domestic deposits to total assets | 83.7237% | 3,576 |
| Equity capital to assets | 10.4712% | 3,212 |
| Core capital (leverage) ratio | 8.6514% | 5,103 |
| Tier 1 risk-based capital ratio | 12.2381% | 4,552 |
| Total risk-based capital ratio | 13.3147% | 4,567 |
| Memoranda: |
| Average total assets | $1,149,367,500 | 652 |
| Average earning assets | $1,044,910,500 | 654 |
| Average equity | $113,842,500 | 726 |
| Average total loans | $726,944,500 | 724 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4305% | 4,922 |
| Cost of funding earning assets | 0.3283% | 3,767 |
| Net interest margin | 3.1023% | 4,720 |
| Noninterest income to average assets | 0.4541% | 3,513 |
| Noninterest expense to average assets | 2.4272% | 4,215 |
| Loan and lease loss provision to assets | 0.1034% | 2,318 |
| Net operating income to assets | 0.6000% | 4,204 |
| Return on assets (ROA) | 0.6697% | 4,027 |
| Pretax return on assets | 0.8263% | 4,109 |
| Return on Equity (ROE) | 6.2625% | 3,864 |
| Retained earnings to average equity (ytd only) | -7.1493% | 5,736 |
| Net charge-offs to loans | 0.2082% | 1,337 |
| Credit loss provision to net charge-offs | 75.6066% | 3,047 |
| Earnings coverage of net charge-offs (x) | 6.1711% | 3,221 |
| Efficiency ratio | 73.8332% | 2,310 |
| Assets per employee ($millions) | 5.0634% | 2,322 |
| Cash dividends to net income (ytd only)* | 214.1614% | 78 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1456% | 3,454 |
| Loan loss allowance to noncurrent loans | 376.8577% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.3583% | 3,848 |
| Noncurrent loans to loans | 0.3040% | 4,049 |
| Net loans and leases to total assets | 60.7933% | 3,762 |
| Net loans and leases to deposits | 71.5171% | 3,758 |
| Net loans and leases to core deposits | 76.9510% | 3,664 |
| Total domestic deposits to total assets | 85.0053% | 3,043 |
| Equity capital to assets | 9.3816% | 4,393 |
| Core capital (leverage) ratio | 8.6300% | 5,140 |
| Tier 1 risk-based capital ratio | 11.7261% | 4,909 |
| Total risk-based capital ratio | 12.8061% | 4,924 |
| Memoranda: |
| Average total assets | $1,115,619,200 | 645 |
| Average earning assets | $1,012,901,400 | 654 |
| Average equity | $119,298,000 | 668 |
| Average total loans | $732,403,800 | 684 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4858% | 4,845 |
| Cost of funding earning assets | 0.3331% | 3,748 |
| Net interest margin | 3.1527% | 4,629 |
| Noninterest income to average assets | 0.4465% | 3,584 |
| Noninterest expense to average assets | 2.4303% | 4,195 |
| Loan and lease loss provision to assets | 0.1044% | 2,181 |
| Net operating income to assets | 0.5995% | 4,295 |
| Return on assets (ROA) | 0.6906% | 4,035 |
| Pretax return on assets | 0.8866% | 4,025 |
| Return on Equity (ROE) | 6.2494% | 3,954 |
| Retained earnings to average equity (ytd only) | -5.8619% | 5,759 |
| Net charge-offs to loans | 0.2110% | 1,104 |
| Credit loss provision to net charge-offs | 74.0933% | 2,739 |
| Earnings coverage of net charge-offs (x) | 6.2047% | 3,024 |
| Efficiency ratio | 73.0881% | 2,426 |
| Assets per employee ($millions) | 4.7307% | 2,700 |
| Cash dividends to net income (ytd only)* | 193.7985% | 91 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1633% | 3,464 |
| Loan loss allowance to noncurrent loans | 351.4073% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.3997% | 3,827 |
| Noncurrent loans to loans | 0.3310% | 4,071 |
| Net loans and leases to total assets | 64.3387% | 3,353 |
| Net loans and leases to deposits | 77.4677% | 3,246 |
| Net loans and leases to core deposits | 89.1064% | 2,659 |
| Total domestic deposits to total assets | 83.0523% | 3,568 |
| Equity capital to assets | 10.9718% | 3,040 |
| Core capital (leverage) ratio | 9.0475% | 4,779 |
| Tier 1 risk-based capital ratio | 12.2934% | 4,615 |
| Total risk-based capital ratio | 13.3976% | 4,607 |
| Memoranda: |
| Average total assets | $1,095,784,000 | 655 |
| Average earning assets | $993,375,500 | 666 |
| Average equity | $121,096,000 | 659 |
| Average total loans | $731,786,000 | 683 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4927% | 4,888 |
| Cost of funding earning assets | 0.3288% | 3,807 |
| Net interest margin | 3.1639% | 4,660 |
| Noninterest income to average assets | 0.4273% | 3,674 |
| Noninterest expense to average assets | 2.4819% | 4,079 |
| Loan and lease loss provision to assets | 0.2009% | 1,063 |
| Net operating income to assets | 0.4855% | 4,738 |
| Return on assets (ROA) | 0.6250% | 4,296 |
| Pretax return on assets | 0.7882% | 4,327 |
| Return on Equity (ROE) | 5.6419% | 4,229 |
| Retained earnings to average equity (ytd only) | -12.6220% | 5,910 |
| Net charge-offs to loans | 0.3613% | 646 |
| Credit loss provision to net charge-offs | 82.5397% | 2,337 |
| Earnings coverage of net charge-offs (x) | 3.3386% | 3,123 |
| Efficiency ratio | 74.8800% | 2,235 |
| Assets per employee ($millions) | 4.4372% | 3,138 |
| Cash dividends to net income (ytd only)* | 323.7198% | 50 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1658% | 3,547 |
| Loan loss allowance to noncurrent loans | 312.5228% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.4017% | 3,888 |
| Noncurrent loans to loans | 0.3730% | 4,030 |
| Net loans and leases to total assets | 66.7572% | 2,973 |
| Net loans and leases to deposits | 86.7809% | 2,158 |
| Net loans and leases to core deposits | 101.1377% | 1,546 |
| Total domestic deposits to total assets | 76.9261% | 5,168 |
| Equity capital to assets | 11.1812% | 2,865 |
| Core capital (leverage) ratio | 8.8159% | 5,039 |
| Tier 1 risk-based capital ratio | 11.8563% | 4,935 |
| Total risk-based capital ratio | 12.9661% | 4,912 |
| Memoranda: |
| Average total assets | $1,087,316,670 | 659 |
| Average earning assets | $985,301,000 | 672 |
| Average equity | $120,456,670 | 662 |
| Average total loans | $732,432,330 | 683 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4763% | 4,944 |
| Cost of funding earning assets | 0.3214% | 3,932 |
| Net interest margin | 3.1548% | 4,720 |
| Noninterest income to average assets | 0.4513% | 3,472 |
| Noninterest expense to average assets | 2.4745% | 4,155 |
| Loan and lease loss provision to assets | 0.2560% | 677 |
| Net operating income to assets | 0.4953% | 4,646 |
| Return on assets (ROA) | 0.5279% | 4,624 |
| Pretax return on assets | 0.6110% | 4,789 |
| Return on Equity (ROE) | 4.7870% | 4,584 |
| Retained earnings to average equity (ytd only) | -31.9075% | 6,031 |
| Net charge-offs to loans | 0.4653% | 481 |
| Credit loss provision to net charge-offs | 81.7861% | 1,826 |
| Earnings coverage of net charge-offs (x) | 2.6486% | 2,652 |
| Efficiency ratio | 74.4461% | 2,404 |
| Assets per employee ($millions) | 4.3040% | 3,404 |
| Cash dividends to net income (ytd only)* | 766.5505% | 25 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1851% | 3,571 |
| Loan loss allowance to noncurrent loans | 241.9445% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.4956% | 3,620 |
| Noncurrent loans to loans | 0.4898% | 3,711 |
| Net loans and leases to total assets | 66.3807% | 2,893 |
| Net loans and leases to deposits | 81.4329% | 2,610 |
| Net loans and leases to core deposits | 97.4823% | 1,672 |
| Total domestic deposits to total assets | 81.5158% | 4,355 |
| Equity capital to assets | 10.8458% | 3,120 |
| Core capital (leverage) ratio | 8.5382% | 5,357 |
| Tier 1 risk-based capital ratio | 11.5976% | 5,174 |
| Total risk-based capital ratio | 12.7240% | 5,151 |
| Memoranda: |
| Average total assets | $1,087,419,000 | 660 |
| Average earning assets | $983,124,500 | 671 |
| Average equity | $119,909,000 | 670 |
| Average total loans | $731,506,000 | 682 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4385% | 5,076 |
| Cost of funding earning assets | 0.3358% | 3,838 |
| Net interest margin | 3.1027% | 4,894 |
| Noninterest income to average assets | 0.5183% | 3,207 |
| Noninterest expense to average assets | 2.7415% | 3,442 |
| Loan and lease loss provision to assets | -0.1318% | 5,901 |
| Net operating income to assets | 3.4768% | 68 |
| Return on assets (ROA) | 3.7018% | 65 |
| Pretax return on assets | 0.9813% | 3,539 |
| Return on Equity (ROE) | 37.0486% | 33 |
| Retained earnings to average equity (ytd only) | 24.7880% | 42 |
| Net charge-offs to loans | 0.1985% | 1,473 |
| Credit loss provision to net charge-offs | -97.1119% | 5,141 |
| Earnings coverage of net charge-offs (x) | 4.6007% | 3,520 |
| Efficiency ratio | 80.9667% | 1,541 |
| Assets per employee ($millions) | 4.3609% | 3,286 |
| Cash dividends to net income (ytd only)* | 33.0933% | 3,200 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1969% | 3,507 |
| Loan loss allowance to noncurrent loans | 232.0486% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.6368% | 3,156 |
| Noncurrent loans to loans | 0.5158% | 3,632 |
| Net loans and leases to total assets | 66.5563% | 2,902 |
| Net loans and leases to deposits | 88.2058% | 1,853 |
| Net loans and leases to core deposits | 107.1190% | 1,040 |
| Total domestic deposits to total assets | 75.4557% | 5,501 |
| Equity capital to assets | 11.2071% | 2,630 |
| Core capital (leverage) ratio | 9.7930% | 3,785 |
| Tier 1 risk-based capital ratio | 12.6902% | 4,515 |
| Total risk-based capital ratio | 13.8329% | 4,474 |
| Memoranda: |
| Average total assets | $1,020,368,000 | 675 |
| Average earning assets | $936,485,800 | 677 |
| Average equity | $101,952,600 | 756 |
| Average total loans | $697,792,000 | 664 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3995% | 5,207 |
| Cost of funding earning assets | 0.3415% | 3,843 |
| Net interest margin | 3.0580% | 5,057 |
| Noninterest income to average assets | 0.5092% | 3,306 |
| Noninterest expense to average assets | 2.5866% | 3,924 |
| Loan and lease loss provision to assets | -0.0452% | 5,904 |
| Net operating income to assets | 0.7947% | 3,453 |
| Return on assets (ROA) | 1.1008% | 2,083 |
| Pretax return on assets | 1.0955% | 3,245 |
| Return on Equity (ROE) | 11.3935% | 1,575 |
| Retained earnings to average equity (ytd only) | -5.8068% | 6,053 |
| Net charge-offs to loans | 0.2623% | 1,006 |
| Credit loss provision to net charge-offs | -25.0923% | 4,902 |
| Earnings coverage of net charge-offs (x) | 4.1314% | 3,395 |
| Efficiency ratio | 77.1613% | 2,065 |
| Assets per employee ($millions) | 4.2879% | 3,335 |
| Cash dividends to net income (ytd only)* | 150.9662% | 123 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3500% | 2,850 |
| Loan loss allowance to noncurrent loans | 145.7499% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 0.7924% | 2,907 |
| Noncurrent loans to loans | 0.9262% | 2,658 |
| Net loans and leases to total assets | 68.0654% | 2,666 |
| Net loans and leases to deposits | 84.1343% | 2,395 |
| Net loans and leases to core deposits | 99.2956% | 1,573 |
| Total domestic deposits to total assets | 80.9009% | 4,499 |
| Equity capital to assets | 9.0526% | 5,264 |
| Core capital (leverage) ratio | 9.1098% | 4,860 |
| Tier 1 risk-based capital ratio | 12.0390% | 5,059 |
| Total risk-based capital ratio | 13.2900% | 4,973 |
| Memoranda: |
| Average total assets | $1,002,905,250 | 692 |
| Average earning assets | $925,379,500 | 688 |
| Average equity | $96,895,250 | 793 |
| Average total loans | $688,640,250 | 674 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3913% | 5,252 |
| Cost of funding earning assets | 0.3445% | 3,874 |
| Net interest margin | 3.0468% | 5,101 |
| Noninterest income to average assets | 0.5142% | 3,274 |
| Noninterest expense to average assets | 2.6800% | 3,654 |
| Loan and lease loss provision to assets | -0.0302% | 5,994 |
| Net operating income to assets | 0.6794% | 3,981 |
| Return on assets (ROA) | 1.1457% | 1,864 |
| Pretax return on assets | 1.1376% | 3,016 |
| Return on Equity (ROE) | 11.5978% | 1,501 |
| Retained earnings to average equity (ytd only) | -14.0792% | 6,224 |
| Net charge-offs to loans | 0.3088% | 856 |
| Credit loss provision to net charge-offs | -14.2857% | 4,707 |
| Earnings coverage of net charge-offs (x) | 3.0288% | 3,254 |
| Efficiency ratio | 80.1967% | 1,731 |
| Assets per employee ($millions) | 4.1091% | 3,664 |
| Cash dividends to net income (ytd only)* | 221.3957% | 91 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5105% | 2,255 |
| Loan loss allowance to noncurrent loans | 179.3990% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.7298% | 3,192 |
| Noncurrent loans to loans | 0.8420% | 3,015 |
| Net loans and leases to total assets | 65.5517% | 3,030 |
| Net loans and leases to deposits | 77.6613% | 3,072 |
| Net loans and leases to core deposits | 84.1782% | 2,969 |
| Total domestic deposits to total assets | 84.4071% | 3,400 |
| Equity capital to assets | 8.8167% | 5,416 |
| Core capital (leverage) ratio | 9.2774% | 4,582 |
| Tier 1 risk-based capital ratio | 12.5620% | 4,768 |
| Total risk-based capital ratio | 13.8150% | 4,682 |
| Memoranda: |
| Average total assets | $985,597,000 | 708 |
| Average earning assets | $907,981,330 | 698 |
| Average equity | $97,363,670 | 799 |
| Average total loans | $675,587,330 | 689 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4707% | 5,032 |
| Cost of funding earning assets | 0.3616% | 3,733 |
| Net interest margin | 3.1091% | 4,923 |
| Noninterest income to average assets | 0.4897% | 3,349 |
| Noninterest expense to average assets | 2.7928% | 3,277 |
| Loan and lease loss provision to assets | -0.2048% | 6,267 |
| Net operating income to assets | 0.7861% | 3,336 |
| Return on assets (ROA) | 1.7082% | 606 |
| Pretax return on assets | 1.6825% | 1,085 |
| Return on Equity (ROE) | 16.3558% | 529 |
| Retained earnings to average equity (ytd only) | 16.3558% | 203 |
| Net charge-offs to loans | 0.0488% | 2,301 |
| Credit loss provision to net charge-offs | -602.4390% | 4,873 |
| Earnings coverage of net charge-offs (x) | 16.3415% | 1,574 |
| Efficiency ratio | 82.9000% | 1,508 |
| Assets per employee ($millions) | 3.9338% | 4,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6282% | 1,952 |
| Loan loss allowance to noncurrent loans | 211.1518% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 0.7868% | 3,145 |
| Noncurrent loans to loans | 0.7711% | 3,325 |
| Net loans and leases to total assets | 68.8875% | 2,305 |
| Net loans and leases to deposits | 85.2673% | 1,923 |
| Net loans and leases to core deposits | 89.7753% | 2,151 |
| Total domestic deposits to total assets | 80.7900% | 4,867 |
| Equity capital to assets | 10.7551% | 3,254 |
| Core capital (leverage) ratio | 10.4468% | 3,034 |
| Tier 1 risk-based capital ratio | 14.6002% | 3,661 |
| Total risk-based capital ratio | 15.8550% | 3,584 |
| Memoranda: |
| Average total assets | $964,755,500 | 723 |
| Average earning assets | $887,073,500 | 717 |
| Average equity | $100,759,500 | 773 |
| Average total loans | $671,517,500 | 693 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6437% | 4,954 |
| Cost of funding earning assets | 0.4048% | 3,645 |
| Net interest margin | 3.2389% | 4,798 |
| Noninterest income to average assets | 0.5985% | 2,867 |
| Noninterest expense to average assets | 3.0203% | 2,787 |
| Loan and lease loss provision to assets | -0.6006% | 6,461 |
| Net operating income to assets | 1.1311% | 1,862 |
| Return on assets (ROA) | 1.7970% | 493 |
| Pretax return on assets | 1.8304% | 744 |
| Return on Equity (ROE) | 19.1442% | 302 |
| Retained earnings to average equity (ytd only) | 18.0540% | 88 |
| Net charge-offs to loans | -0.5079% | 6,394 |
| Credit loss provision to net charge-offs | 174.0510% | 1,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1162% | 1,398 |
| Assets per employee ($millions) | 4.0914% | 3,739 |
| Cash dividends to net income (ytd only)* | 5.6948% | 4,223 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7172% | 1,732 |
| Loan loss allowance to noncurrent loans | 208.6201% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.8020% | 3,201 |
| Noncurrent loans to loans | 0.8231% | 3,255 |
| Net loans and leases to total assets | 67.9984% | 2,553 |
| Net loans and leases to deposits | 82.8352% | 2,359 |
| Net loans and leases to core deposits | 86.7043% | 2,632 |
| Total domestic deposits to total assets | 82.0888% | 4,385 |
| Equity capital to assets | 10.2909% | 3,737 |
| Core capital (leverage) ratio | 9.9267% | 3,680 |
| Tier 1 risk-based capital ratio | 14.3827% | 3,846 |
| Total risk-based capital ratio | 15.6389% | 3,779 |
| Memoranda: |
| Average total assets | $977,182,600 | 691 |
| Average earning assets | $896,693,400 | 685 |
| Average equity | $91,725,000 | 804 |
| Average total loans | $663,908,600 | 654 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6601% | 4,972 |
| Cost of funding earning assets | 0.4111% | 3,668 |
| Net interest margin | 3.2491% | 4,792 |
| Noninterest income to average assets | 0.6023% | 2,854 |
| Noninterest expense to average assets | 3.0274% | 2,709 |
| Loan and lease loss provision to assets | -0.7666% | 6,554 |
| Net operating income to assets | 1.2937% | 1,385 |
| Return on assets (ROA) | 2.0953% | 297 |
| Pretax return on assets | 2.1397% | 417 |
| Return on Equity (ROE) | 22.8672% | 161 |
| Retained earnings to average equity (ytd only) | 22.8672% | 46 |
| Net charge-offs to loans | -0.7068% | 6,493 |
| Credit loss provision to net charge-offs | 160.3704% | 1,510 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0315% | 1,385 |
| Assets per employee ($millions) | 3.9909% | 3,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7540% | 1,810 |
| Loan loss allowance to noncurrent loans | 212.9205% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.8357% | 3,331 |
| Noncurrent loans to loans | 0.8238% | 3,513 |
| Net loans and leases to total assets | 67.8815% | 2,557 |
| Net loans and leases to deposits | 82.9122% | 2,304 |
| Net loans and leases to core deposits | 86.7418% | 2,578 |
| Total domestic deposits to total assets | 81.8715% | 4,523 |
| Equity capital to assets | 9.9421% | 4,240 |
| Core capital (leverage) ratio | 10.0544% | 3,594 |
| Tier 1 risk-based capital ratio | 14.0248% | 4,198 |
| Total risk-based capital ratio | 15.2812% | 4,130 |
| Memoranda: |
| Average total assets | $979,064,500 | 687 |
| Average earning assets | $898,084,750 | 681 |
| Average equity | $89,709,750 | 819 |
| Average total loans | $662,168,250 | 654 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6447% | 5,025 |
| Cost of funding earning assets | 0.4222% | 3,633 |
| Net interest margin | 3.2225% | 4,862 |
| Noninterest income to average assets | 0.6888% | 2,333 |
| Noninterest expense to average assets | 3.0905% | 2,536 |
| Loan and lease loss provision to assets | -1.1399% | 6,637 |
| Net operating income to assets | 1.6661% | 621 |
| Return on assets (ROA) | 2.2830% | 205 |
| Pretax return on assets | 2.3158% | 293 |
| Return on Equity (ROE) | 25.6463% | 100 |
| Retained earnings to average equity (ytd only) | 25.6463% | 40 |
| Net charge-offs to loans | -1.1368% | 6,580 |
| Credit loss provision to net charge-offs | 149.3437% | 1,461 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3697% | 1,457 |
| Assets per employee ($millions) | 3.8765% | 4,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8134% | 1,815 |
| Loan loss allowance to noncurrent loans | 219.3694% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.9120% | 3,262 |
| Noncurrent loans to loans | 0.8266% | 3,639 |
| Net loans and leases to total assets | 68.8484% | 2,268 |
| Net loans and leases to deposits | 85.5151% | 1,867 |
| Net loans and leases to core deposits | 89.5667% | 2,167 |
| Total domestic deposits to total assets | 80.5102% | 5,124 |
| Equity capital to assets | 9.9905% | 4,119 |
| Core capital (leverage) ratio | 9.6209% | 4,147 |
| Tier 1 risk-based capital ratio | 13.4834% | 4,593 |
| Total risk-based capital ratio | 14.7404% | 4,532 |
| Memoranda: |
| Average total assets | $978,166,000 | 687 |
| Average earning assets | $896,766,330 | 678 |
| Average equity | $87,077,000 | 841 |
| Average total loans | $656,780,670 | 654 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5852% | 5,215 |
| Cost of funding earning assets | 0.4237% | 3,717 |
| Net interest margin | 3.1616% | 5,051 |
| Noninterest income to average assets | 0.7409% | 1,988 |
| Noninterest expense to average assets | 3.2032% | 2,225 |
| Loan and lease loss provision to assets | -0.6353% | 6,680 |
| Net operating income to assets | 1.0563% | 1,980 |
| Return on assets (ROA) | 1.6781% | 613 |
| Pretax return on assets | 1.7064% | 965 |
| Return on Equity (ROE) | 20.0372% | 281 |
| Retained earnings to average equity (ytd only) | 20.0372% | 117 |
| Net charge-offs to loans | -0.0875% | 6,066 |
| Credit loss provision to net charge-offs | 1,105.6338% | 291 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5486% | 1,278 |
| Assets per employee ($millions) | 4.0234% | 3,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9243% | 1,686 |
| Loan loss allowance to noncurrent loans | 217.5017% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.9459% | 3,361 |
| Noncurrent loans to loans | 0.8847% | 3,667 |
| Net loans and leases to total assets | 65.8996% | 2,582 |
| Net loans and leases to deposits | 76.3230% | 2,779 |
| Net loans and leases to core deposits | 79.5198% | 3,032 |
| Total domestic deposits to total assets | 86.3430% | 3,185 |
| Equity capital to assets | 8.8919% | 5,236 |
| Core capital (leverage) ratio | 8.7589% | 5,314 |
| Tier 1 risk-based capital ratio | 12.6017% | 5,253 |
| Total risk-based capital ratio | 13.8598% | 5,188 |
| Memoranda: |
| Average total assets | $988,497,000 | 680 |
| Average earning assets | $906,388,500 | 678 |
| Average equity | $82,786,000 | 884 |
| Average total loans | $649,470,500 | 661 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7841% | 4,870 |
| Cost of funding earning assets | 0.5387% | 3,208 |
| Net interest margin | 3.2454% | 4,849 |
| Noninterest income to average assets | 0.6439% | 2,840 |
| Noninterest expense to average assets | 3.3363% | 2,035 |
| Loan and lease loss provision to assets | -0.6509% | 6,768 |
| Net operating income to assets | 0.8925% | 2,820 |
| Return on assets (ROA) | 1.1922% | 1,668 |
| Pretax return on assets | 1.1922% | 2,608 |
| Return on Equity (ROE) | 15.0178% | 763 |
| Retained earnings to average equity (ytd only) | 15.0178% | 168 |
| Net charge-offs to loans | -0.2769% | 6,660 |
| Credit loss provision to net charge-offs | 358.0811% | 636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7693% | 824 |
| Assets per employee ($millions) | 3.8590% | 4,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1741% | 1,213 |
| Loan loss allowance to noncurrent loans | 219.8745% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 1.0586% | 3,298 |
| Noncurrent loans to loans | 0.9888% | 3,542 |
| Net loans and leases to total assets | 62.8602% | 3,224 |
| Net loans and leases to deposits | 71.2437% | 3,621 |
| Net loans and leases to core deposits | 74.0469% | 3,834 |
| Total domestic deposits to total assets | 88.2326% | 2,037 |
| Equity capital to assets | 7.8732% | 6,101 |
| Core capital (leverage) ratio | 8.3183% | 5,853 |
| Tier 1 risk-based capital ratio | 12.1687% | 5,514 |
| Total risk-based capital ratio | 13.4300% | 5,437 |
| Memoranda: |
| Average total assets | $963,260,200 | 684 |
| Average earning assets | $870,819,400 | 689 |
| Average equity | $76,469,200 | 931 |
| Average total loans | $632,375,200 | 662 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8161% | 4,792 |
| Cost of funding earning assets | 0.5636% | 3,137 |
| Net interest margin | 3.2525% | 4,816 |
| Noninterest income to average assets | 0.6100% | 3,079 |
| Noninterest expense to average assets | 3.3566% | 1,926 |
| Loan and lease loss provision to assets | -0.3336% | 6,787 |
| Net operating income to assets | 0.5156% | 4,739 |
| Return on assets (ROA) | 0.8734% | 3,087 |
| Pretax return on assets | 0.8734% | 3,999 |
| Return on Equity (ROE) | 10.9776% | 1,828 |
| Retained earnings to average equity (ytd only) | 10.9776% | 581 |
| Net charge-offs to loans | -0.3108% | 6,731 |
| Credit loss provision to net charge-offs | 162.5767% | 1,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3674% | 713 |
| Assets per employee ($millions) | 3.6771% | 4,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6801% | 761 |
| Loan loss allowance to noncurrent loans | 243.9490% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 1.1887% | 3,279 |
| Noncurrent loans to loans | 1.0986% | 3,596 |
| Net loans and leases to total assets | 65.4068% | 2,733 |
| Net loans and leases to deposits | 74.8662% | 3,105 |
| Net loans and leases to core deposits | 78.5733% | 3,287 |
| Total domestic deposits to total assets | 87.3649% | 2,475 |
| Equity capital to assets | 7.6759% | 6,316 |
| Core capital (leverage) ratio | 7.9948% | 6,227 |
| Tier 1 risk-based capital ratio | 11.3510% | 6,126 |
| Total risk-based capital ratio | 12.6189% | 6,087 |
| Memoranda: |
| Average total assets | $953,240,750 | 693 |
| Average earning assets | $858,317,250 | 697 |
| Average equity | $75,837,750 | 952 |
| Average total loans | $629,289,750 | 668 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8648% | 4,606 |
| Cost of funding earning assets | 0.5765% | 3,155 |
| Net interest margin | 3.2883% | 4,630 |
| Noninterest income to average assets | 0.6155% | 3,099 |
| Noninterest expense to average assets | 3.4087% | 1,801 |
| Loan and lease loss provision to assets | -0.2595% | 6,812 |
| Net operating income to assets | 0.4155% | 5,158 |
| Return on assets (ROA) | 0.7840% | 3,546 |
| Pretax return on assets | 0.7840% | 4,374 |
| Return on Equity (ROE) | 9.7358% | 2,304 |
| Retained earnings to average equity (ytd only) | 9.7358% | 903 |
| Net charge-offs to loans | -0.4126% | 6,806 |
| Credit loss provision to net charge-offs | 95.8561% | 2,322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1372% | 701 |
| Assets per employee ($millions) | 3.4735% | 4,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8898% | 649 |
| Loan loss allowance to noncurrent loans | 223.1720% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 1.1843% | 3,386 |
| Noncurrent loans to loans | 1.2949% | 3,391 |
| Net loans and leases to total assets | 66.6041% | 2,483 |
| Net loans and leases to deposits | 75.2113% | 2,987 |
| Net loans and leases to core deposits | 79.1318% | 3,147 |
| Total domestic deposits to total assets | 88.5561% | 1,887 |
| Equity capital to assets | 7.8014% | 6,315 |
| Core capital (leverage) ratio | 8.0136% | 6,178 |
| Tier 1 risk-based capital ratio | 11.0043% | 6,330 |
| Total risk-based capital ratio | 12.2742% | 6,301 |
| Memoranda: |
| Average total assets | $944,948,330 | 701 |
| Average earning assets | $847,486,330 | 704 |
| Average equity | $76,090,670 | 955 |
| Average total loans | $619,928,330 | 676 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8638% | 4,603 |
| Cost of funding earning assets | 0.5854% | 3,252 |
| Net interest margin | 3.2783% | 4,595 |
| Noninterest income to average assets | 0.6840% | 2,679 |
| Noninterest expense to average assets | 3.5049% | 1,610 |
| Loan and lease loss provision to assets | -0.5162% | 6,958 |
| Net operating income to assets | 0.6330% | 4,065 |
| Return on assets (ROA) | 0.9881% | 2,401 |
| Pretax return on assets | 0.9881% | 3,405 |
| Return on Equity (ROE) | 12.0846% | 1,398 |
| Retained earnings to average equity (ytd only) | 12.0846% | 690 |
| Net charge-offs to loans | -0.7635% | 6,904 |
| Credit loss provision to net charge-offs | 105.4264% | 1,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2972% | 716 |
| Assets per employee ($millions) | 3.3910% | 5,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9940% | 661 |
| Loan loss allowance to noncurrent loans | 209.1599% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 1.3714% | 3,216 |
| Noncurrent loans to loans | 1.4314% | 3,423 |
| Net loans and leases to total assets | 64.4188% | 2,626 |
| Net loans and leases to deposits | 72.5889% | 3,111 |
| Net loans and leases to core deposits | 75.5332% | 3,380 |
| Total domestic deposits to total assets | 88.7448% | 1,838 |
| Equity capital to assets | 8.3741% | 6,126 |
| Core capital (leverage) ratio | 7.7302% | 6,335 |
| Tier 1 risk-based capital ratio | 10.9906% | 6,410 |
| Total risk-based capital ratio | 12.2609% | 6,375 |
| Memoranda: |
| Average total assets | $948,497,500 | 710 |
| Average earning assets | $849,946,000 | 713 |
| Average equity | $77,553,500 | 947 |
| Average total loans | $608,275,000 | 682 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0709% | 5,052 |
| Cost of funding earning assets | 0.7373% | 3,186 |
| Net interest margin | 3.3336% | 5,128 |
| Noninterest income to average assets | 0.4818% | 4,028 |
| Noninterest expense to average assets | 3.9913% | 986 |
| Loan and lease loss provision to assets | 0.4001% | 1,625 |
| Net operating income to assets | -0.9251% | 6,721 |
| Return on assets (ROA) | -1.1030% | 6,784 |
| Pretax return on assets | -1.1030% | 6,759 |
| Return on Equity (ROE) | -14.2034% | 6,812 |
| Retained earnings to average equity (ytd only) | -14.2034% | 6,759 |
| Net charge-offs to loans | 0.9866% | 1,106 |
| Credit loss provision to net charge-offs | 63.8850% | 4,342 |
| Earnings coverage of net charge-offs (x) | -0.8383% | 5,736 |
| Efficiency ratio | 114.6780% | 263 |
| Assets per employee ($millions) | 3.5584% | 4,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0917% | 610 |
| Loan loss allowance to noncurrent loans | 191.4480% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 1.4119% | 3,285 |
| Noncurrent loans to loans | 1.6149% | 3,205 |
| Net loans and leases to total assets | 60.0297% | 3,600 |
| Net loans and leases to deposits | 67.9216% | 3,996 |
| Net loans and leases to core deposits | 72.4156% | 3,993 |
| Total domestic deposits to total assets | 88.3809% | 1,976 |
| Equity capital to assets | 7.9867% | 6,418 |
| Core capital (leverage) ratio | 7.2007% | 6,633 |
| Tier 1 risk-based capital ratio | 10.5212% | 6,546 |
| Total risk-based capital ratio | 11.7915% | 6,506 |
| Memoranda: |
| Average total assets | $1,015,966,800 | 657 |
| Average earning assets | $909,552,400 | 653 |
| Average equity | $78,896,400 | 890 |
| Average total loans | $644,974,600 | 644 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0733% | 5,283 |
| Cost of funding earning assets | 0.7580% | 3,286 |
| Net interest margin | 3.3153% | 5,337 |
| Noninterest income to average assets | 0.4997% | 3,931 |
| Noninterest expense to average assets | 3.9126% | 1,047 |
| Loan and lease loss provision to assets | 0.4377% | 1,443 |
| Net operating income to assets | -0.8788% | 6,826 |
| Return on assets (ROA) | -0.8787% | 6,853 |
| Pretax return on assets | -0.8787% | 6,827 |
| Return on Equity (ROE) | -11.3917% | 6,885 |
| Retained earnings to average equity (ytd only) | -11.3917% | 6,848 |
| Net charge-offs to loans | 0.7480% | 1,484 |
| Credit loss provision to net charge-offs | 91.6621% | 3,241 |
| Earnings coverage of net charge-offs (x) | -0.9237% | 5,567 |
| Efficiency ratio | 112.2431% | 265 |
| Assets per employee ($millions) | 3.4367% | 5,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2454% | 580 |
| Loan loss allowance to noncurrent loans | 153.7027% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 2.4208% | 2,193 |
| Noncurrent loans to loans | 2.1115% | 2,713 |
| Net loans and leases to total assets | 60.3614% | 3,708 |
| Net loans and leases to deposits | 71.4807% | 3,676 |
| Net loans and leases to core deposits | 77.0799% | 3,591 |
| Total domestic deposits to total assets | 84.4444% | 4,006 |
| Equity capital to assets | 7.8065% | 6,673 |
| Core capital (leverage) ratio | 7.5182% | 6,613 |
| Tier 1 risk-based capital ratio | 9.6029% | 6,884 |
| Total risk-based capital ratio | 10.8686% | 6,867 |
| Memoranda: |
| Average total assets | $1,027,990,500 | 649 |
| Average earning assets | $921,486,250 | 651 |
| Average equity | $79,295,250 | 885 |
| Average total loans | $656,331,500 | 632 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1290% | 5,202 |
| Cost of funding earning assets | 0.7891% | 3,283 |
| Net interest margin | 3.3398% | 5,305 |
| Noninterest income to average assets | 0.6019% | 3,247 |
| Noninterest expense to average assets | 3.8390% | 1,156 |
| Loan and lease loss provision to assets | -0.0806% | 7,097 |
| Net operating income to assets | -0.1542% | 6,494 |
| Return on assets (ROA) | -0.1710% | 6,597 |
| Pretax return on assets | -0.1710% | 6,572 |
| Return on Equity (ROE) | -2.2257% | 6,634 |
| Retained earnings to average equity (ytd only) | -2.2257% | 6,386 |
| Net charge-offs to loans | 0.2463% | 3,099 |
| Credit loss provision to net charge-offs | -50.8557% | 6,004 |
| Earnings coverage of net charge-offs (x) | -1.4817% | 5,353 |
| Efficiency ratio | 106.0717% | 396 |
| Assets per employee ($millions) | 3.2463% | 5,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1478% | 677 |
| Loan loss allowance to noncurrent loans | 101.8764% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 2.9356% | 1,882 |
| Noncurrent loans to loans | 3.0898% | 1,907 |
| Net loans and leases to total assets | 62.3380% | 3,366 |
| Net loans and leases to deposits | 71.9979% | 3,610 |
| Net loans and leases to core deposits | 78.4949% | 3,450 |
| Total domestic deposits to total assets | 86.5830% | 3,018 |
| Equity capital to assets | 8.3190% | 6,363 |
| Core capital (leverage) ratio | 7.8879% | 6,381 |
| Tier 1 risk-based capital ratio | 10.5830% | 6,670 |
| Total risk-based capital ratio | 11.8504% | 6,645 |
| Memoranda: |
| Average total assets | $1,032,711,330 | 643 |
| Average earning assets | $928,365,330 | 650 |
| Average equity | $79,345,670 | 876 |
| Average total loans | $664,279,330 | 628 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0543% | 5,593 |
| Cost of funding earning assets | 0.8097% | 3,396 |
| Net interest margin | 3.2446% | 5,642 |
| Noninterest income to average assets | 0.5523% | 3,548 |
| Noninterest expense to average assets | 3.7369% | 1,320 |
| Loan and lease loss provision to assets | -0.0511% | 7,144 |
| Net operating income to assets | -0.2058% | 6,645 |
| Return on assets (ROA) | -0.2027% | 6,690 |
| Pretax return on assets | -0.2027% | 6,666 |
| Return on Equity (ROE) | -2.7418% | 6,741 |
| Retained earnings to average equity (ytd only) | -2.7418% | 6,368 |
| Net charge-offs to loans | 0.0204% | 4,403 |
| Credit loss provision to net charge-offs | -388.5714% | 5,734 |
| Earnings coverage of net charge-offs (x) | -19.5429% | 4,703 |
| Efficiency ratio | 106.9371% | 390 |
| Assets per employee ($millions) | 3.3942% | 5,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9939% | 835 |
| Loan loss allowance to noncurrent loans | 106.4770% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 2.8692% | 2,034 |
| Noncurrent loans to loans | 2.8117% | 2,290 |
| Net loans and leases to total assets | 65.1026% | 2,633 |
| Net loans and leases to deposits | 75.1259% | 2,953 |
| Net loans and leases to core deposits | 86.0245% | 2,286 |
| Total domestic deposits to total assets | 86.6580% | 3,142 |
| Equity capital to assets | 7.7513% | 6,659 |
| Core capital (leverage) ratio | 7.5266% | 6,616 |
| Tier 1 risk-based capital ratio | 10.3363% | 6,784 |
| Total risk-based capital ratio | 11.6041% | 6,777 |
| Memoranda: |
| Average total assets | $1,065,370,500 | 625 |
| Average earning assets | $961,352,000 | 620 |
| Average equity | $78,780,000 | 881 |
| Average total loans | $685,092,500 | 605 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2340% | 5,961 |
| Cost of funding earning assets | 1.1221% | 2,526 |
| Net interest margin | 3.1119% | 6,318 |
| Noninterest income to average assets | 0.5625% | 3,408 |
| Noninterest expense to average assets | 3.4998% | 1,984 |
| Loan and lease loss provision to assets | 0.0464% | 5,995 |
| Net operating income to assets | -0.1835% | 6,241 |
| Return on assets (ROA) | 0.1995% | 5,723 |
| Pretax return on assets | 0.1995% | 5,792 |
| Return on Equity (ROE) | 3.1967% | 5,200 |
| Retained earnings to average equity (ytd only) | 3.1967% | 3,944 |
| Net charge-offs to loans | 0.3146% | 3,822 |
| Credit loss provision to net charge-offs | 23.0194% | 5,879 |
| Earnings coverage of net charge-offs (x) | -0.6800% | 6,140 |
| Efficiency ratio | 103.6413% | 579 |
| Assets per employee ($millions) | 3.5905% | 4,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0639% | 769 |
| Loan loss allowance to noncurrent loans | 104.6251% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 2.7827% | 2,180 |
| Noncurrent loans to loans | 2.9285% | 2,224 |
| Net loans and leases to total assets | 59.7972% | 4,025 |
| Net loans and leases to deposits | 68.7847% | 4,316 |
| Net loans and leases to core deposits | 79.4283% | 3,521 |
| Total domestic deposits to total assets | 86.9339% | 2,802 |
| Equity capital to assets | 7.0619% | 6,948 |
| Core capital (leverage) ratio | 7.2014% | 6,790 |
| Tier 1 risk-based capital ratio | 10.4607% | 6,702 |
| Total risk-based capital ratio | 11.7292% | 6,672 |
| Memoranda: |
| Average total assets | $1,127,049,000 | 582 |
| Average earning assets | $1,014,148,800 | 580 |
| Average equity | $70,321,800 | 953 |
| Average total loans | $722,296,000 | 569 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3556% | 5,754 |
| Cost of funding earning assets | 1.2046% | 2,291 |
| Net interest margin | 3.1509% | 6,286 |
| Noninterest income to average assets | 0.6809% | 2,716 |
| Noninterest expense to average assets | 3.4795% | 1,993 |
| Loan and lease loss provision to assets | 0.2408% | 3,600 |
| Net operating income to assets | -0.2073% | 6,394 |
| Return on assets (ROA) | 0.1314% | 6,005 |
| Pretax return on assets | 0.1314% | 6,042 |
| Return on Equity (ROE) | 2.1760% | 5,713 |
| Retained earnings to average equity (ytd only) | 2.1760% | 5,036 |
| Net charge-offs to loans | 0.2773% | 3,695 |
| Credit loss provision to net charge-offs | 134.3176% | 2,371 |
| Earnings coverage of net charge-offs (x) | 0.1870% | 5,457 |
| Efficiency ratio | 98.6302% | 710 |
| Assets per employee ($millions) | 3.6541% | 4,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3834% | 618 |
| Loan loss allowance to noncurrent loans | 111.6663% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 2.7938% | 2,327 |
| Noncurrent loans to loans | 3.0299% | 2,285 |
| Net loans and leases to total assets | 58.4363% | 4,428 |
| Net loans and leases to deposits | 66.8995% | 4,771 |
| Net loans and leases to core deposits | 77.1233% | 4,030 |
| Total domestic deposits to total assets | 87.3494% | 2,442 |
| Equity capital to assets | 6.4792% | 7,134 |
| Core capital (leverage) ratio | 6.9797% | 6,968 |
| Tier 1 risk-based capital ratio | 9.8997% | 6,983 |
| Total risk-based capital ratio | 11.1719% | 6,961 |
| Memoranda: |
| Average total assets | $1,133,239,000 | 584 |
| Average earning assets | $1,018,589,250 | 583 |
| Average equity | $68,441,750 | 987 |
| Average total loans | $732,877,000 | 568 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4717% | 5,442 |
| Cost of funding earning assets | 1.3281% | 1,775 |
| Net interest margin | 3.1436% | 6,294 |
| Noninterest income to average assets | 0.9228% | 1,570 |
| Noninterest expense to average assets | 3.4867% | 2,015 |
| Loan and lease loss provision to assets | 0.4423% | 2,228 |
| Net operating income to assets | -0.1819% | 6,454 |
| Return on assets (ROA) | 0.1623% | 5,948 |
| Pretax return on assets | 0.1623% | 5,999 |
| Return on Equity (ROE) | 2.7546% | 5,499 |
| Retained earnings to average equity (ytd only) | 2.7546% | 4,529 |
| Net charge-offs to loans | 0.3712% | 3,068 |
| Credit loss provision to net charge-offs | 180.3738% | 1,674 |
| Earnings coverage of net charge-offs (x) | 1.0618% | 4,494 |
| Efficiency ratio | 92.6659% | 1,055 |
| Assets per employee ($millions) | 3.4055% | 5,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2557% | 720 |
| Loan loss allowance to noncurrent loans | 88.2390% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 3.3566% | 1,969 |
| Noncurrent loans to loans | 3.6897% | 1,906 |
| Net loans and leases to total assets | 64.8304% | 3,290 |
| Net loans and leases to deposits | 75.1809% | 3,617 |
| Net loans and leases to core deposits | 87.2847% | 2,728 |
| Total domestic deposits to total assets | 86.2325% | 3,197 |
| Equity capital to assets | 6.4621% | 7,190 |
| Core capital (leverage) ratio | 6.6507% | 7,089 |
| Tier 1 risk-based capital ratio | 9.5238% | 7,098 |
| Total risk-based capital ratio | 10.7957% | 7,102 |
| Memoranda: |
| Average total assets | $1,134,610,330 | 588 |
| Average earning assets | $1,019,339,670 | 586 |
| Average equity | $66,869,670 | 1,009 |
| Average total loans | $749,527,670 | 565 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4181% | 5,630 |
| Cost of funding earning assets | 1.3495% | 1,889 |
| Net interest margin | 3.0686% | 6,422 |
| Noninterest income to average assets | 1.3225% | 734 |
| Noninterest expense to average assets | 3.4434% | 2,164 |
| Loan and lease loss provision to assets | 0.6020% | 1,428 |
| Net operating income to assets | 0.0362% | 6,266 |
| Return on assets (ROA) | 0.0362% | 6,301 |
| Pretax return on assets | 0.0362% | 6,290 |
| Return on Equity (ROE) | 0.6441% | 6,235 |
| Retained earnings to average equity (ytd only) | 0.6441% | 5,572 |
| Net charge-offs to loans | 0.0510% | 4,427 |
| Credit loss provision to net charge-offs | 1,797.9381% | 219 |
| Earnings coverage of net charge-offs (x) | 19.0619% | 1,157 |
| Efficiency ratio | 84.0156% | 1,954 |
| Assets per employee ($millions) | 3.7234% | 4,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1938% | 771 |
| Loan loss allowance to noncurrent loans | 85.1101% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 3.3231% | 2,051 |
| Noncurrent loans to loans | 3.7526% | 1,967 |
| Net loans and leases to total assets | 63.8327% | 3,464 |
| Net loans and leases to deposits | 76.1052% | 3,401 |
| Net loans and leases to core deposits | 89.3816% | 2,429 |
| Total domestic deposits to total assets | 83.8743% | 4,538 |
| Equity capital to assets | 5.7360% | 7,315 |
| Core capital (leverage) ratio | 6.5007% | 7,169 |
| Tier 1 risk-based capital ratio | 8.8973% | 7,229 |
| Total risk-based capital ratio | 10.1678% | 7,233 |
| Memoranda: |
| Average total assets | $1,158,745,000 | 579 |
| Average earning assets | $1,041,900,500 | 583 |
| Average equity | $65,204,500 | 1,026 |
| Average total loans | $760,301,500 | 565 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7310% | 5,685 |
| Cost of funding earning assets | 1.6546% | 1,804 |
| Net interest margin | 3.0764% | 6,583 |
| Noninterest income to average assets | 0.5723% | 3,652 |
| Noninterest expense to average assets | 3.2008% | 3,091 |
| Loan and lease loss provision to assets | 1.9289% | 697 |
| Net operating income to assets | -1.7788% | 6,994 |
| Return on assets (ROA) | -2.2398% | 7,138 |
| Pretax return on assets | -2.2398% | 7,099 |
| Return on Equity (ROE) | -34.0780% | 7,281 |
| Retained earnings to average equity (ytd only) | -34.0780% | 7,271 |
| Net charge-offs to loans | 2.8751% | 598 |
| Credit loss provision to net charge-offs | 100.5017% | 4,528 |
| Earnings coverage of net charge-offs (x) | 0.0782% | 6,044 |
| Efficiency ratio | 94.6898% | 1,023 |
| Assets per employee ($millions) | 3.7888% | 4,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9638% | 901 |
| Loan loss allowance to noncurrent loans | 79.6129% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 3.3974% | 2,058 |
| Noncurrent loans to loans | 3.7228% | 1,994 |
| Net loans and leases to total assets | 63.3591% | 3,996 |
| Net loans and leases to deposits | 74.9975% | 4,024 |
| Net loans and leases to core deposits | 88.0192% | 3,049 |
| Total domestic deposits to total assets | 84.4816% | 4,123 |
| Equity capital to assets | 5.5199% | 7,395 |
| Core capital (leverage) ratio | 6.0588% | 7,286 |
| Tier 1 risk-based capital ratio | 8.5632% | 7,299 |
| Total risk-based capital ratio | 9.8305% | 7,305 |
| Memoranda: |
| Average total assets | $1,298,180,400 | 520 |
| Average earning assets | $1,172,515,800 | 519 |
| Average equity | $85,322,000 | 779 |
| Average total loans | $866,604,000 | 519 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7753% | 5,758 |
| Cost of funding earning assets | 1.6869% | 1,939 |
| Net interest margin | 3.0883% | 6,642 |
| Noninterest income to average assets | 0.5337% | 3,919 |
| Noninterest expense to average assets | 2.6314% | 5,191 |
| Loan and lease loss provision to assets | 1.7023% | 752 |
| Net operating income to assets | -1.0070% | 6,905 |
| Return on assets (ROA) | -1.5881% | 7,140 |
| Pretax return on assets | -1.5881% | 7,070 |
| Return on Equity (ROE) | -23.3429% | 7,280 |
| Retained earnings to average equity (ytd only) | -23.3429% | 7,270 |
| Net charge-offs to loans | 2.0651% | 900 |
| Credit loss provision to net charge-offs | 122.8883% | 3,343 |
| Earnings coverage of net charge-offs (x) | 0.5019% | 5,519 |
| Efficiency ratio | 78.2884% | 2,588 |
| Assets per employee ($millions) | 4.2186% | 3,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1764% | 715 |
| Loan loss allowance to noncurrent loans | 68.3098% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 3.7235% | 1,908 |
| Noncurrent loans to loans | 4.6500% | 1,530 |
| Net loans and leases to total assets | 59.7230% | 4,960 |
| Net loans and leases to deposits | 73.8786% | 4,533 |
| Net loans and leases to core deposits | 88.0157% | 3,368 |
| Total domestic deposits to total assets | 80.8394% | 5,436 |
| Equity capital to assets | 6.6226% | 7,407 |
| Core capital (leverage) ratio | 6.6936% | 7,287 |
| Tier 1 risk-based capital ratio | 9.3638% | 7,287 |
| Total risk-based capital ratio | 10.6334% | 7,292 |
| Memoranda: |
| Average total assets | $1,330,987,750 | 499 |
| Average earning assets | $1,203,646,250 | 502 |
| Average equity | $90,549,000 | 733 |
| Average total loans | $892,766,750 | 501 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8864% | 5,455 |
| Cost of funding earning assets | 1.7358% | 1,938 |
| Net interest margin | 3.1507% | 6,462 |
| Noninterest income to average assets | 0.5133% | 4,006 |
| Noninterest expense to average assets | 2.4220% | 6,003 |
| Loan and lease loss provision to assets | 1.4464% | 922 |
| Net operating income to assets | -0.5088% | 6,663 |
| Return on assets (ROA) | -0.7668% | 6,861 |
| Pretax return on assets | -0.7668% | 6,766 |
| Return on Equity (ROE) | -11.1754% | 7,009 |
| Retained earnings to average equity (ytd only) | -11.1754% | 6,963 |
| Net charge-offs to loans | 1.0336% | 1,807 |
| Credit loss provision to net charge-offs | 203.3179% | 1,920 |
| Earnings coverage of net charge-offs (x) | 1.3179% | 4,509 |
| Efficiency ratio | 71.3047% | 3,942 |
| Assets per employee ($millions) | 4.2536% | 3,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0765% | 777 |
| Loan loss allowance to noncurrent loans | 75.0432% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 3.9441% | 1,757 |
| Noncurrent loans to loans | 4.0997% | 1,836 |
| Net loans and leases to total assets | 66.0499% | 3,819 |
| Net loans and leases to deposits | 84.0721% | 2,858 |
| Net loans and leases to core deposits | 103.2345% | 1,709 |
| Total domestic deposits to total assets | 78.5634% | 6,140 |
| Equity capital to assets | 6.9885% | 7,354 |
| Core capital (leverage) ratio | 7.4987% | 6,824 |
| Tier 1 risk-based capital ratio | 9.2872% | 7,339 |
| Total risk-based capital ratio | 10.5550% | 7,331 |
| Memoranda: |
| Average total assets | $1,338,727,330 | 494 |
| Average earning assets | $1,209,387,330 | 499 |
| Average equity | $91,862,670 | 716 |
| Average total loans | $921,468,330 | 486 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9534% | 5,223 |
| Cost of funding earning assets | 1.7916% | 1,909 |
| Net interest margin | 3.1618% | 6,414 |
| Noninterest income to average assets | 0.5109% | 3,967 |
| Noninterest expense to average assets | 2.2309% | 6,609 |
| Loan and lease loss provision to assets | 1.5077% | 772 |
| Net operating income to assets | -0.3716% | 6,740 |
| Return on assets (ROA) | -0.1207% | 6,532 |
| Pretax return on assets | -0.1207% | 6,486 |
| Return on Equity (ROE) | -1.7751% | 6,617 |
| Retained earnings to average equity (ytd only) | -1.7751% | 6,178 |
| Net charge-offs to loans | 0.8796% | 1,798 |
| Credit loss provision to net charge-offs | 247.8409% | 1,562 |
| Earnings coverage of net charge-offs (x) | 1.8675% | 3,612 |
| Efficiency ratio | 65.4949% | 5,221 |
| Assets per employee ($millions) | 4.5570% | 2,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7305% | 1,055 |
| Loan loss allowance to noncurrent loans | 86.5515% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 3.3153% | 2,161 |
| Noncurrent loans to loans | 3.1547% | 2,544 |
| Net loans and leases to total assets | 67.5866% | 3,488 |
| Net loans and leases to deposits | 85.8745% | 2,608 |
| Net loans and leases to core deposits | 106.8120% | 1,504 |
| Total domestic deposits to total assets | 78.7039% | 6,150 |
| Equity capital to assets | 6.8822% | 7,416 |
| Core capital (leverage) ratio | 7.6216% | 6,711 |
| Tier 1 risk-based capital ratio | 9.1948% | 7,429 |
| Total risk-based capital ratio | 10.4590% | 7,427 |
| Memoranda: |
| Average total assets | $1,355,160,000 | 505 |
| Average earning assets | $1,224,126,000 | 507 |
| Average equity | $92,164,000 | 716 |
| Average total loans | $937,253,500 | 498 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2576% | 5,375 |
| Cost of funding earning assets | 1.9960% | 2,980 |
| Net interest margin | 3.2616% | 5,887 |
| Noninterest income to average assets | 0.5898% | 3,706 |
| Noninterest expense to average assets | 2.8299% | 4,832 |
| Loan and lease loss provision to assets | 3.1392% | 534 |
| Net operating income to assets | -2.0192% | 7,102 |
| Return on assets (ROA) | -3.2571% | 7,454 |
| Pretax return on assets | -3.8734% | 7,500 |
| Return on Equity (ROE) | -40.5759% | 7,579 |
| Retained earnings to average equity (ytd only) | -41.6909% | 7,581 |
| Net charge-offs to loans | 2.8935% | 748 |
| Credit loss provision to net charge-offs | 150.9378% | 3,061 |
| Earnings coverage of net charge-offs (x) | 0.3556% | 5,761 |
| Efficiency ratio | 61.6261% | 6,215 |
| Assets per employee ($millions) | 4.5839% | 2,789 |
| Cash dividends to net income (ytd only)* | -2.7479% | 7,454 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3881% | 1,363 |
| Loan loss allowance to noncurrent loans | 86.4368% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 2.7208% | 2,570 |
| Noncurrent loans to loans | 2.7628% | 2,795 |
| Net loans and leases to total assets | 67.2009% | 3,878 |
| Net loans and leases to deposits | 85.3004% | 3,026 |
| Net loans and leases to core deposits | 109.6319% | 2,938 |
| Total domestic deposits to total assets | 78.7814% | 6,036 |
| Equity capital to assets | 6.7211% | 7,492 |
| Core capital (leverage) ratio | 7.2528% | 7,029 |
| Tier 1 risk-based capital ratio | 8.9036% | 7,510 |
| Total risk-based capital ratio | 10.1637% | 7,527 |
| Memoranda: |
| Average total assets | $1,340,748,800 | 505 |
| Average earning assets | $1,224,860,200 | 499 |
| Average equity | $107,625,400 | 606 |
| Average total loans | $963,701,200 | 494 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3463% | 5,192 |
| Cost of funding earning assets | 1.9988% | 3,366 |
| Net interest margin | 3.3476% | 5,452 |
| Noninterest income to average assets | 0.5545% | 4,046 |
| Noninterest expense to average assets | 2.1962% | 6,987 |
| Loan and lease loss provision to assets | 2.0742% | 855 |
| Net operating income to assets | -0.3582% | 6,272 |
| Return on assets (ROA) | -0.4852% | 6,413 |
| Pretax return on assets | -0.8486% | 6,570 |
| Return on Equity (ROE) | -5.8026% | 6,534 |
| Retained earnings to average equity (ytd only) | -7.2365% | 6,534 |
| Net charge-offs to loans | 1.3817% | 1,489 |
| Credit loss provision to net charge-offs | 206.6288% | 2,143 |
| Earnings coverage of net charge-offs (x) | 1.4186% | 4,719 |
| Efficiency ratio | 60.0403% | 6,406 |
| Assets per employee ($millions) | 4.7128% | 2,536 |
| Cash dividends to net income (ytd only)* | -24.7117% | 7,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9669% | 1,872 |
| Loan loss allowance to noncurrent loans | 44.4746% | 5,349 |
| Noncurrent assets plus other real estate owned to assets | 3.6518% | 1,796 |
| Noncurrent loans to loans | 4.4226% | 1,589 |
| Net loans and leases to total assets | 68.2741% | 3,894 |
| Net loans and leases to deposits | 89.4395% | 2,688 |
| Net loans and leases to core deposits | 112.8253% | 2,948 |
| Total domestic deposits to total assets | 76.3355% | 6,518 |
| Equity capital to assets | 8.7604% | 5,865 |
| Core capital (leverage) ratio | 9.2154% | 4,312 |
| Tier 1 risk-based capital ratio | 10.0603% | 6,916 |
| Total risk-based capital ratio | 11.3151% | 6,864 |
| Memoranda: |
| Average total assets | $1,334,438,250 | 520 |
| Average earning assets | $1,222,116,000 | 514 |
| Average equity | $111,579,500 | 598 |
| Average total loans | $969,522,500 | 506 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5059% | 4,594 |
| Cost of funding earning assets | 2.0203% | 3,680 |
| Net interest margin | 3.4856% | 4,864 |
| Noninterest income to average assets | 0.5655% | 3,926 |
| Noninterest expense to average assets | 2.1249% | 7,226 |
| Loan and lease loss provision to assets | 1.4741% | 1,171 |
| Net operating income to assets | 0.1261% | 5,491 |
| Return on assets (ROA) | 0.1799% | 5,420 |
| Pretax return on assets | 0.2238% | 5,401 |
| Return on Equity (ROE) | 2.1881% | 5,222 |
| Retained earnings to average equity (ytd only) | 0.1570% | 5,146 |
| Net charge-offs to loans | 1.7184% | 1,103 |
| Credit loss provision to net charge-offs | 116.3850% | 3,987 |
| Earnings coverage of net charge-offs (x) | 1.2874% | 4,558 |
| Efficiency ratio | 55.9867% | 7,123 |
| Assets per employee ($millions) | 4.4116% | 2,911 |
| Cash dividends to net income (ytd only)* | 92.8270% | 834 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0010% | 6,237 |
| Loan loss allowance to noncurrent loans | 34.2542% | 6,164 |
| Noncurrent assets plus other real estate owned to assets | 2.2954% | 2,839 |
| Noncurrent loans to loans | 2.9221% | 2,462 |
| Net loans and leases to total assets | 71.6679% | 3,303 |
| Net loans and leases to deposits | 95.6379% | 1,854 |
| Net loans and leases to core deposits | 124.3817% | 1,992 |
| Total domestic deposits to total assets | 74.9367% | 6,775 |
| Equity capital to assets | 8.2848% | 6,361 |
| Core capital (leverage) ratio | 9.1015% | 4,463 |
| Tier 1 risk-based capital ratio | 10.0259% | 6,888 |
| Total risk-based capital ratio | 10.8912% | 7,231 |
| Memoranda: |
| Average total assets | $1,317,397,670 | 535 |
| Average earning assets | $1,205,690,670 | 530 |
| Average equity | $108,312,670 | 621 |
| Average total loans | $971,044,000 | 521 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6090% | 4,298 |
| Cost of funding earning assets | 2.0282% | 3,997 |
| Net interest margin | 3.5808% | 4,405 |
| Noninterest income to average assets | 0.5874% | 3,642 |
| Noninterest expense to average assets | 2.0418% | 7,250 |
| Loan and lease loss provision to assets | 0.7499% | 1,721 |
| Net operating income to assets | 0.8768% | 2,810 |
| Return on assets (ROA) | 1.0069% | 2,421 |
| Pretax return on assets | 1.2355% | 2,496 |
| Return on Equity (ROE) | 12.2945% | 1,572 |
| Retained earnings to average equity (ytd only) | 8.5723% | 1,611 |
| Net charge-offs to loans | 0.1361% | 3,869 |
| Credit loss provision to net charge-offs | 740.9639% | 822 |
| Earnings coverage of net charge-offs (x) | 18.0301% | 1,478 |
| Efficiency ratio | 52.2390% | 7,391 |
| Assets per employee ($millions) | 4.5996% | 2,564 |
| Cash dividends to net income (ytd only)* | 30.2755% | 2,318 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0529% | 5,796 |
| Loan loss allowance to noncurrent loans | 29.8488% | 6,562 |
| Noncurrent assets plus other real estate owned to assets | 2.8294% | 2,009 |
| Noncurrent loans to loans | 3.5274% | 1,800 |
| Net loans and leases to total assets | 74.4292% | 2,643 |
| Net loans and leases to deposits | 100.8710% | 1,295 |
| Net loans and leases to core deposits | 129.9708% | 1,661 |
| Total domestic deposits to total assets | 73.7865% | 6,923 |
| Equity capital to assets | 7.9931% | 6,821 |
| Core capital (leverage) ratio | 9.2461% | 4,331 |
| Tier 1 risk-based capital ratio | 9.8170% | 7,126 |
| Total risk-based capital ratio | 10.7100% | 7,412 |
| Memoranda: |
| Average total assets | $1,312,157,000 | 540 |
| Average earning assets | $1,201,647,500 | 534 |
| Average equity | $107,463,000 | 623 |
| Average total loans | $975,923,500 | 523 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1548% | 4,754 |
| Cost of funding earning assets | 2.7426% | 2,964 |
| Net interest margin | 3.4122% | 5,608 |
| Noninterest income to average assets | 0.5171% | 4,492 |
| Noninterest expense to average assets | 1.9662% | 7,510 |
| Loan and lease loss provision to assets | 0.2077% | 4,817 |
| Net operating income to assets | 1.1249% | 2,050 |
| Return on assets (ROA) | 1.1925% | 1,727 |
| Pretax return on assets | 1.5641% | 1,504 |
| Return on Equity (ROE) | 13.5728% | 1,195 |
| Retained earnings to average equity (ytd only) | 9.9838% | 450 |
| Net charge-offs to loans | 0.1190% | 5,071 |
| Credit loss provision to net charge-offs | 241.2869% | 1,938 |
| Earnings coverage of net charge-offs (x) | 19.5541% | 1,625 |
| Efficiency ratio | 53.3565% | 7,344 |
| Assets per employee ($millions) | 4.6908% | 2,342 |
| Cash dividends to net income (ytd only)* | 26.4431% | 4,241 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8546% | 6,878 |
| Loan loss allowance to noncurrent loans | 44.8003% | 5,767 |
| Noncurrent assets plus other real estate owned to assets | 1.5785% | 3,077 |
| Noncurrent loans to loans | 1.9077% | 2,888 |
| Net loans and leases to total assets | 72.9031% | 3,382 |
| Net loans and leases to deposits | 100.4664% | 1,791 |
| Net loans and leases to core deposits | 125.6548% | 2,188 |
| Total domestic deposits to total assets | 72.5646% | 6,904 |
| Equity capital to assets | 8.3861% | 6,281 |
| Core capital (leverage) ratio | 9.2182% | 4,414 |
| Tier 1 risk-based capital ratio | 10.7016% | 6,003 |
| Total risk-based capital ratio | 11.5109% | 6,327 |
| Memoranda: |
| Average total assets | $1,300,204,400 | 521 |
| Average earning assets | $1,193,390,800 | 520 |
| Average equity | $114,235,600 | 589 |
| Average total loans | $940,618,000 | 521 |
