| 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 | 4.9747% | 2,121 |
| Cost of funding earning assets | 2.3908% | 473 |
| Net interest margin | 2.5839% | 3,986 |
| Noninterest income to average assets | 0.0200% | 4,491 |
| Noninterest expense to average assets | 1.5179% | 4,318 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.7514% | 3,040 |
| Return on assets (ROA) | 0.1894% | 4,196 |
| Pretax return on assets | 0.2280% | 4,168 |
| Return on Equity (ROE) | 1.9700% | 4,155 |
| Retained earnings to average equity (ytd only) | 1.6646% | 3,662 |
| Net charge-offs to loans | 0.0202% | 1,940 |
| Credit loss provision to net charge-offs | 90.9091% | 1,945 |
| Earnings coverage of net charge-offs (x) | 56.0267% | 1,227 |
| Efficiency ratio | 61.9067% | 2,841 |
| Assets per employee ($millions) | 18.5025% | 121 |
| Cash dividends to net income (ytd only)* | 15.6723% | 3,080 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0320% | 3,151 |
| Loan loss allowance to noncurrent loans | 1,032.3304% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.0837% | 2,983 |
| Noncurrent loans to loans | 0.1000% | 3,040 |
| Net loans and leases to total assets | 82.8900% | 354 |
| Net loans and leases to deposits | 98.0663% | 652 |
| Net loans and leases to core deposits | 124.3599% | 525 |
| Total domestic deposits to total assets | 84.5200% | 2,464 |
| Equity capital to assets | 10.4272% | 1,765 |
| Core capital (leverage) ratio | 10.7714% | 2,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8334% | 1,925 |
| Memoranda: |
| Average total assets | $2,300,725,800 | 502 |
| Average earning assets | $2,141,117,000 | 494 |
| Average equity | $220,773,000 | 498 |
| Average total loans | $1,850,089,600 | 428 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9128% | 2,033 |
| Cost of funding earning assets | 2.3032% | 406 |
| Net interest margin | 2.6095% | 4,018 |
| Noninterest income to average assets | 0.0600% | 4,432 |
| Noninterest expense to average assets | 1.4816% | 4,325 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.8177% | 2,970 |
| Return on assets (ROA) | 0.6023% | 3,526 |
| Pretax return on assets | 0.7381% | 3,476 |
| Return on Equity (ROE) | 6.4100% | 3,564 |
| Retained earnings to average equity (ytd only) | 5.9905% | 2,636 |
| Net charge-offs to loans | 0.0234% | 1,620 |
| Credit loss provision to net charge-offs | 82.8221% | 1,746 |
| Earnings coverage of net charge-offs (x) | 54.0583% | 1,267 |
| Efficiency ratio | 58.9222% | 3,095 |
| Assets per employee ($millions) | 18.2525% | 116 |
| Cash dividends to net income (ytd only)* | 6.4893% | 2,879 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0191% | 3,261 |
| Loan loss allowance to noncurrent loans | 1,249.1054% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.0656% | 3,174 |
| Noncurrent loans to loans | 0.0816% | 3,178 |
| Net loans and leases to total assets | 79.6000% | 693 |
| Net loans and leases to deposits | 91.6930% | 1,079 |
| Net loans and leases to core deposits | 119.5397% | 560 |
| Total domestic deposits to total assets | 86.8100% | 1,947 |
| Equity capital to assets | 9.7029% | 1,992 |
| Core capital (leverage) ratio | 10.6220% | 2,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9333% | 1,921 |
| Memoranda: |
| Average total assets | $2,330,083,750 | 502 |
| Average earning assets | $2,168,136,000 | 491 |
| Average equity | $219,052,000 | 499 |
| Average total loans | $1,855,471,000 | 431 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8177% | 1,959 |
| Cost of funding earning assets | 2.1680% | 360 |
| Net interest margin | 2.6497% | 4,038 |
| Noninterest income to average assets | 0.0700% | 4,429 |
| Noninterest expense to average assets | 1.4747% | 4,358 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.8447% | 2,943 |
| Return on assets (ROA) | 0.5111% | 3,794 |
| Pretax return on assets | 0.5998% | 3,804 |
| Return on Equity (ROE) | 5.4900% | 3,802 |
| Retained earnings to average equity (ytd only) | 4.8657% | 2,971 |
| Net charge-offs to loans | 0.0359% | 1,186 |
| Credit loss provision to net charge-offs | 261.2613% | 934 |
| Earnings coverage of net charge-offs (x) | 37.4474% | 1,436 |
| Efficiency ratio | 57.4735% | 3,258 |
| Assets per employee ($millions) | 18.2708% | 115 |
| Cash dividends to net income (ytd only)* | 11.4381% | 2,676 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0212% | 3,339 |
| Loan loss allowance to noncurrent loans | 1,347.3319% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.0617% | 3,146 |
| Noncurrent loans to loans | 0.0758% | 3,144 |
| Net loans and leases to total assets | 80.5700% | 574 |
| Net loans and leases to deposits | 90.2179% | 1,167 |
| Net loans and leases to core deposits | 125.8421% | 389 |
| Total domestic deposits to total assets | 89.3100% | 1,134 |
| Equity capital to assets | 9.5215% | 2,143 |
| Core capital (leverage) ratio | 10.4136% | 2,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3446% | 2,159 |
| Memoranda: |
| Average total assets | $2,340,173,667 | 489 |
| Average earning assets | $2,179,007,333 | 480 |
| Average equity | $217,686,333 | 491 |
| Average total loans | $1,857,457,000 | 417 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6491% | 1,973 |
| Cost of funding earning assets | 2.0320% | 279 |
| Net interest margin | 2.6170% | 4,190 |
| Noninterest income to average assets | -0.0100% | 4,655 |
| Noninterest expense to average assets | 1.4598% | 4,421 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.9854% | 2,576 |
| Return on assets (ROA) | 0.2008% | 4,317 |
| Pretax return on assets | 0.1428% | 4,384 |
| Return on Equity (ROE) | 2.1800% | 4,278 |
| Retained earnings to average equity (ytd only) | 1.3421% | 3,816 |
| Net charge-offs to loans | -0.0050% | 3,635 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.4948% | 3,018 |
| Assets per employee ($millions) | 17.4869% | 134 |
| Cash dividends to net income (ytd only)* | 38.5532% | 1,498 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0425% | 3,330 |
| Loan loss allowance to noncurrent loans | 428.6550% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.1897% | 2,196 |
| Noncurrent loans to loans | 0.2432% | 2,282 |
| Net loans and leases to total assets | 77.2000% | 855 |
| Net loans and leases to deposits | 94.6515% | 741 |
| Net loans and leases to core deposits | 128.9805% | 287 |
| Total domestic deposits to total assets | 81.5700% | 3,549 |
| Equity capital to assets | 9.2180% | 2,350 |
| Core capital (leverage) ratio | 10.3777% | 2,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5278% | 2,172 |
| Memoranda: |
| Average total assets | $2,340,927,000 | 503 |
| Average earning assets | $2,177,725,000 | 492 |
| Average equity | $215,191,500 | 509 |
| Average total loans | $1,834,278,500 | 428 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8834% | 2,026 |
| Cost of funding earning assets | 0.6940% | 596 |
| Net interest margin | 3.1894% | 2,897 |
| Noninterest income to average assets | 0.1000% | 4,426 |
| Noninterest expense to average assets | 1.4663% | 4,461 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.1950% | 1,794 |
| Return on assets (ROA) | 1.1950% | 1,727 |
| Pretax return on assets | 1.4910% | 1,480 |
| Return on Equity (ROE) | 12.4500% | 1,992 |
| Retained earnings to average equity (ytd only) | 12.1062% | 646 |
| Net charge-offs to loans | 0.0254% | 1,551 |
| Credit loss provision to net charge-offs | 628.9474% | 580 |
| Earnings coverage of net charge-offs (x) | 85.6388% | 1,054 |
| Efficiency ratio | 47.1088% | 4,295 |
| Assets per employee ($millions) | 17.5835% | 129 |
| Cash dividends to net income (ytd only)* | 2.7461% | 3,421 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8715% | 3,865 |
| Loan loss allowance to noncurrent loans | 356.9998% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.1921% | 2,215 |
| Noncurrent loans to loans | 0.2441% | 2,302 |
| Net loans and leases to total assets | 78.0100% | 796 |
| Net loans and leases to deposits | 99.6559% | 452 |
| Net loans and leases to core deposits | 127.9085% | 252 |
| Total domestic deposits to total assets | 78.2800% | 4,066 |
| Equity capital to assets | 9.1671% | 2,249 |
| Core capital (leverage) ratio | 10.7451% | 1,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2804% | 2,246 |
| Memoranda: |
| Average total assets | $2,224,484,000 | 505 |
| Average earning assets | $2,075,845,600 | 494 |
| Average equity | $213,551,000 | 499 |
| Average total loans | $1,647,092,800 | 437 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7250% | 1,962 |
| Cost of funding earning assets | 0.4683% | 886 |
| Net interest margin | 3.2567% | 2,437 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 1.4540% | 4,470 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 1.3265% | 1,277 |
| Return on assets (ROA) | 1.3265% | 1,249 |
| Pretax return on assets | 1.6447% | 1,014 |
| Return on Equity (ROE) | 13.6500% | 1,524 |
| Retained earnings to average equity (ytd only) | 13.6540% | 518 |
| Net charge-offs to loans | 0.0347% | 1,166 |
| Credit loss provision to net charge-offs | 456.7308% | 639 |
| Earnings coverage of net charge-offs (x) | 69.6851% | 1,109 |
| Efficiency ratio | 44.6747% | 4,440 |
| Assets per employee ($millions) | 16.2961% | 162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8932% | 3,882 |
| Loan loss allowance to noncurrent loans | 417.5893% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.1667% | 2,456 |
| Noncurrent loans to loans | 0.2139% | 2,541 |
| Net loans and leases to total assets | 77.2400% | 778 |
| Net loans and leases to deposits | 89.8856% | 897 |
| Net loans and leases to core deposits | 101.1674% | 775 |
| Total domestic deposits to total assets | 85.9300% | 3,081 |
| Equity capital to assets | 9.4259% | 1,929 |
| Core capital (leverage) ratio | 10.9350% | 1,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5519% | 2,238 |
| Memoranda: |
| Average total assets | $2,195,954,250 | 506 |
| Average earning assets | $2,050,798,000 | 499 |
| Average equity | $213,343,250 | 501 |
| Average total loans | $1,598,757,500 | 444 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5248% | 2,056 |
| Cost of funding earning assets | 0.3791% | 1,052 |
| Net interest margin | 3.1457% | 2,383 |
| Noninterest income to average assets | 0.2067% | 3,959 |
| Noninterest expense to average assets | 1.4446% | 4,480 |
| Loan and lease loss provision to assets | 0.1399% | 688 |
| Net operating income to assets | 1.2814% | 1,192 |
| Return on assets (ROA) | 1.2814% | 1,175 |
| Pretax return on assets | 1.5682% | 1,010 |
| Return on Equity (ROE) | 13.0596% | 1,369 |
| Retained earnings to average equity (ytd only) | 13.0596% | 459 |
| Net charge-offs to loans | 0.0520% | 875 |
| Credit loss provision to net charge-offs | 378.0788% | 716 |
| Earnings coverage of net charge-offs (x) | 46.1650% | 1,195 |
| Efficiency ratio | 45.2406% | 4,485 |
| Assets per employee ($millions) | 18.2606% | 120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8987% | 3,952 |
| Loan loss allowance to noncurrent loans | 428.9360% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.1516% | 2,655 |
| Noncurrent loans to loans | 0.2095% | 2,667 |
| Net loans and leases to total assets | 71.6816% | 1,143 |
| Net loans and leases to deposits | 85.5312% | 1,009 |
| Net loans and leases to core deposits | 91.7393% | 1,028 |
| Total domestic deposits to total assets | 83.8076% | 3,724 |
| Equity capital to assets | 9.1255% | 2,302 |
| Core capital (leverage) ratio | 10.7213% | 1,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $2,194,615,667 | 509 |
| Average earning assets | $2,055,340,333 | 500 |
| Average equity | $215,335,667 | 499 |
| Average total loans | $1,560,185,667 | 445 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4295% | 2,004 |
| Cost of funding earning assets | 0.3815% | 981 |
| Net interest margin | 3.0480% | 2,339 |
| Noninterest income to average assets | 0.3033% | 3,293 |
| Noninterest expense to average assets | 1.5109% | 4,414 |
| Loan and lease loss provision to assets | 0.0654% | 1,250 |
| Net operating income to assets | 1.3303% | 940 |
| Return on assets (ROA) | 1.3303% | 931 |
| Pretax return on assets | 1.5834% | 855 |
| Return on Equity (ROE) | 13.0666% | 1,017 |
| Retained earnings to average equity (ytd only) | 13.0666% | 458 |
| Net charge-offs to loans | 0.1103% | 486 |
| Credit loss provision to net charge-offs | 84.1346% | 1,101 |
| Earnings coverage of net charge-offs (x) | 21.2188% | 1,262 |
| Efficiency ratio | 47.4048% | 4,436 |
| Assets per employee ($millions) | 17.5210% | 137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9100% | 4,019 |
| Loan loss allowance to noncurrent loans | 394.8078% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.1672% | 2,621 |
| Noncurrent loans to loans | 0.2305% | 2,671 |
| Net loans and leases to total assets | 71.8807% | 846 |
| Net loans and leases to deposits | 82.3003% | 992 |
| Net loans and leases to core deposits | 87.7500% | 1,034 |
| Total domestic deposits to total assets | 87.3396% | 2,802 |
| Equity capital to assets | 10.2159% | 1,747 |
| Core capital (leverage) ratio | 10.9588% | 1,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $2,141,507,000 | 516 |
| Average earning assets | $2,006,836,000 | 511 |
| Average equity | $218,022,000 | 509 |
| Average total loans | $1,508,162,500 | 459 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7055% | 2,100 |
| Cost of funding earning assets | 0.4308% | 1,324 |
| Net interest margin | 3.2747% | 2,388 |
| Noninterest income to average assets | 0.2301% | 3,999 |
| Noninterest expense to average assets | 1.6784% | 4,328 |
| Loan and lease loss provision to assets | -0.0254% | 4,250 |
| Net operating income to assets | 1.2775% | 1,670 |
| Return on assets (ROA) | 1.2775% | 1,723 |
| Pretax return on assets | 1.6403% | 1,308 |
| Return on Equity (ROE) | 11.1022% | 2,130 |
| Retained earnings to average equity (ytd only) | 11.1022% | 684 |
| Net charge-offs to loans | 0.0427% | 1,422 |
| Credit loss provision to net charge-offs | -79.4913% | 3,322 |
| Earnings coverage of net charge-offs (x) | 50.6391% | 1,289 |
| Efficiency ratio | 50.4927% | 4,246 |
| Assets per employee ($millions) | 17.8700% | 137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9196% | 4,014 |
| Loan loss allowance to noncurrent loans | 394.1009% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.1596% | 2,825 |
| Noncurrent loans to loans | 0.2333% | 2,793 |
| Net loans and leases to total assets | 67.7894% | 1,296 |
| Net loans and leases to deposits | 79.0189% | 1,293 |
| Net loans and leases to core deposits | 84.2474% | 1,312 |
| Total domestic deposits to total assets | 85.7888% | 2,976 |
| Equity capital to assets | 10.1475% | 2,521 |
| Core capital (leverage) ratio | 10.5525% | 1,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $1,972,281,000 | 541 |
| Average earning assets | $1,844,898,800 | 536 |
| Average equity | $226,947,000 | 486 |
| Average total loans | $1,472,041,800 | 476 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7901% | 2,033 |
| Cost of funding earning assets | 0.4439% | 1,394 |
| Net interest margin | 3.3461% | 2,301 |
| Noninterest income to average assets | 0.1766% | 4,320 |
| Noninterest expense to average assets | 1.6883% | 4,344 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2653% | 1,937 |
| Return on assets (ROA) | 1.2653% | 1,994 |
| Pretax return on assets | 1.6153% | 1,650 |
| Return on Equity (ROE) | 10.6355% | 2,506 |
| Retained earnings to average equity (ytd only) | 10.6355% | 1,139 |
| Net charge-offs to loans | 0.0541% | 1,113 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 39.0741% | 1,384 |
| Efficiency ratio | 50.6141% | 4,162 |
| Assets per employee ($millions) | 16.2093% | 164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9778% | 3,921 |
| Loan loss allowance to noncurrent loans | 394.8323% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.3764% | 1,940 |
| Noncurrent loans to loans | 0.2476% | 2,947 |
| Net loans and leases to total assets | 72.9645% | 780 |
| Net loans and leases to deposits | 84.7810% | 908 |
| Net loans and leases to core deposits | 91.6744% | 936 |
| Total domestic deposits to total assets | 86.0623% | 2,721 |
| Equity capital to assets | 11.4047% | 1,733 |
| Core capital (leverage) ratio | 10.6705% | 1,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $1,915,847,500 | 562 |
| Average earning assets | $1,790,314,250 | 556 |
| Average equity | $227,923,000 | 485 |
| Average total loans | $1,464,089,750 | 481 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7842% | 2,110 |
| Cost of funding earning assets | 0.4541% | 1,496 |
| Net interest margin | 3.3301% | 2,352 |
| Noninterest income to average assets | 0.1562% | 4,413 |
| Noninterest expense to average assets | 1.6207% | 4,480 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3084% | 1,840 |
| Return on assets (ROA) | 1.3084% | 1,913 |
| Pretax return on assets | 1.6572% | 1,591 |
| Return on Equity (ROE) | 10.8407% | 2,482 |
| Retained earnings to average equity (ytd only) | 10.8407% | 1,164 |
| Net charge-offs to loans | 0.0819% | 851 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 26.1436% | 1,390 |
| Efficiency ratio | 48.9330% | 4,330 |
| Assets per employee ($millions) | 16.0248% | 167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9740% | 3,908 |
| Loan loss allowance to noncurrent loans | 352.8877% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.4026% | 1,997 |
| Noncurrent loans to loans | 0.2760% | 2,950 |
| Net loans and leases to total assets | 74.0682% | 742 |
| Net loans and leases to deposits | 86.5654% | 880 |
| Net loans and leases to core deposits | 94.7566% | 868 |
| Total domestic deposits to total assets | 85.5633% | 2,885 |
| Equity capital to assets | 11.8724% | 1,428 |
| Core capital (leverage) ratio | 11.4812% | 1,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $1,889,883,667 | 561 |
| Average earning assets | $1,771,671,667 | 552 |
| Average equity | $228,104,000 | 480 |
| Average total loans | $1,462,424,333 | 485 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8690% | 1,912 |
| Cost of funding earning assets | 0.4810% | 1,512 |
| Net interest margin | 3.3880% | 2,143 |
| Noninterest income to average assets | 0.1711% | 4,342 |
| Noninterest expense to average assets | 1.6380% | 4,481 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3664% | 1,646 |
| Return on assets (ROA) | 1.3664% | 1,730 |
| Pretax return on assets | 1.7079% | 1,471 |
| Return on Equity (ROE) | 11.2227% | 2,295 |
| Retained earnings to average equity (ytd only) | 11.2227% | 1,342 |
| Net charge-offs to loans | 0.1475% | 522 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 14.7039% | 1,358 |
| Efficiency ratio | 48.4388% | 4,314 |
| Assets per employee ($millions) | 15.2870% | 192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9967% | 3,850 |
| Loan loss allowance to noncurrent loans | 286.4720% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.4733% | 1,970 |
| Noncurrent loans to loans | 0.3479% | 2,845 |
| Net loans and leases to total assets | 76.1843% | 617 |
| Net loans and leases to deposits | 89.4055% | 732 |
| Net loans and leases to core deposits | 96.9258% | 844 |
| Total domestic deposits to total assets | 85.2121% | 3,021 |
| Equity capital to assets | 12.1136% | 1,239 |
| Core capital (leverage) ratio | 11.6546% | 1,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $1,849,301,500 | 567 |
| Average earning assets | $1,732,942,000 | 556 |
| Average equity | $225,151,000 | 478 |
| Average total loans | $1,456,497,500 | 486 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2353% | 2,042 |
| Cost of funding earning assets | 0.8011% | 1,206 |
| Net interest margin | 3.4342% | 2,657 |
| Noninterest income to average assets | 0.1614% | 4,491 |
| Noninterest expense to average assets | 1.7294% | 4,578 |
| Loan and lease loss provision to assets | 0.2943% | 1,282 |
| Net operating income to assets | 1.0472% | 2,113 |
| Return on assets (ROA) | 1.0538% | 2,229 |
| Pretax return on assets | 1.3354% | 1,866 |
| Return on Equity (ROE) | 8.7620% | 2,489 |
| Retained earnings to average equity (ytd only) | 8.7620% | 833 |
| Net charge-offs to loans | 0.0206% | 2,649 |
| Credit loss provision to net charge-offs | 1,735.6401% | 494 |
| Earnings coverage of net charge-offs (x) | 95.6194% | 808 |
| Efficiency ratio | 51.0069% | 4,470 |
| Assets per employee ($millions) | 14.6638% | 194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0203% | 3,796 |
| Loan loss allowance to noncurrent loans | 266.1092% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.5217% | 1,986 |
| Noncurrent loans to loans | 0.3834% | 2,833 |
| Net loans and leases to total assets | 79.8064% | 444 |
| Net loans and leases to deposits | 94.1978% | 646 |
| Net loans and leases to core deposits | 104.4208% | 708 |
| Total domestic deposits to total assets | 84.7222% | 2,868 |
| Equity capital to assets | 12.2384% | 1,458 |
| Core capital (leverage) ratio | 11.6454% | 1,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $1,704,247,200 | 555 |
| Average earning assets | $1,582,850,800 | 550 |
| Average equity | $204,965,200 | 494 |
| Average total loans | $1,403,068,600 | 475 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2824% | 2,155 |
| Cost of funding earning assets | 0.8825% | 1,127 |
| Net interest margin | 3.4000% | 2,923 |
| Noninterest income to average assets | 0.1599% | 4,498 |
| Noninterest expense to average assets | 1.7437% | 4,573 |
| Loan and lease loss provision to assets | 0.3593% | 1,041 |
| Net operating income to assets | 0.9627% | 2,477 |
| Return on assets (ROA) | 0.9717% | 2,578 |
| Pretax return on assets | 1.2219% | 2,312 |
| Return on Equity (ROE) | 8.1178% | 2,764 |
| Retained earnings to average equity (ytd only) | 8.1178% | 1,265 |
| Net charge-offs to loans | 0.0184% | 2,490 |
| Credit loss provision to net charge-offs | 2,364.3979% | 420 |
| Earnings coverage of net charge-offs (x) | 103.3089% | 773 |
| Efficiency ratio | 51.9893% | 4,343 |
| Assets per employee ($millions) | 14.1026% | 202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9719% | 3,812 |
| Loan loss allowance to noncurrent loans | 181.8364% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.6628% | 1,744 |
| Noncurrent loans to loans | 0.5345% | 2,461 |
| Net loans and leases to total assets | 82.8059% | 378 |
| Net loans and leases to deposits | 97.8508% | 633 |
| Net loans and leases to core deposits | 113.6717% | 572 |
| Total domestic deposits to total assets | 84.6247% | 2,584 |
| Equity capital to assets | 11.4495% | 2,053 |
| Core capital (leverage) ratio | 11.0184% | 1,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $1,675,732,500 | 554 |
| Average earning assets | $1,554,374,750 | 549 |
| Average equity | $200,573,750 | 494 |
| Average total loans | $1,387,315,000 | 472 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3749% | 2,267 |
| Cost of funding earning assets | 0.9910% | 1,012 |
| Net interest margin | 3.3839% | 3,151 |
| Noninterest income to average assets | 0.1568% | 4,508 |
| Noninterest expense to average assets | 1.7688% | 4,604 |
| Loan and lease loss provision to assets | 0.3440% | 1,238 |
| Net operating income to assets | 0.9423% | 2,529 |
| Return on assets (ROA) | 0.9518% | 2,616 |
| Pretax return on assets | 1.1909% | 2,392 |
| Return on Equity (ROE) | 7.8281% | 2,815 |
| Retained earnings to average equity (ytd only) | 7.8281% | 1,359 |
| Net charge-offs to loans | 0.0227% | 2,264 |
| Credit loss provision to net charge-offs | 1,840.5229% | 514 |
| Earnings coverage of net charge-offs (x) | 81.4902% | 795 |
| Efficiency ratio | 53.0763% | 4,276 |
| Assets per employee ($millions) | 14.3407% | 190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8723% | 4,117 |
| Loan loss allowance to noncurrent loans | 151.8191% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.6950% | 1,763 |
| Noncurrent loans to loans | 0.5746% | 2,436 |
| Net loans and leases to total assets | 82.3970% | 385 |
| Net loans and leases to deposits | 96.4517% | 760 |
| Net loans and leases to core deposits | 112.8608% | 638 |
| Total domestic deposits to total assets | 85.4283% | 2,233 |
| Equity capital to assets | 11.4059% | 2,036 |
| Core capital (leverage) ratio | 11.0491% | 1,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $1,637,300,000 | 554 |
| Average earning assets | $1,516,824,000 | 548 |
| Average equity | $199,077,000 | 496 |
| Average total loans | $1,350,542,000 | 480 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6675% | 1,807 |
| Cost of funding earning assets | 1.1934% | 791 |
| Net interest margin | 3.4741% | 3,071 |
| Noninterest income to average assets | 0.1522% | 4,613 |
| Noninterest expense to average assets | 1.7528% | 4,720 |
| Loan and lease loss provision to assets | 0.2721% | 1,150 |
| Net operating income to assets | 1.0795% | 1,906 |
| Return on assets (ROA) | 1.0993% | 1,947 |
| Pretax return on assets | 1.3661% | 1,665 |
| Return on Equity (ROE) | 8.7342% | 2,215 |
| Retained earnings to average equity (ytd only) | 8.7342% | 1,040 |
| Net charge-offs to loans | 0.0221% | 1,926 |
| Credit loss provision to net charge-offs | 1,501.4085% | 422 |
| Earnings coverage of net charge-offs (x) | 89.0141% | 626 |
| Efficiency ratio | 51.3878% | 4,583 |
| Assets per employee ($millions) | 13.1118% | 183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8690% | 4,222 |
| Loan loss allowance to noncurrent loans | 126.1915% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 0.7978% | 1,700 |
| Noncurrent loans to loans | 0.6887% | 2,274 |
| Net loans and leases to total assets | 80.0528% | 691 |
| Net loans and leases to deposits | 95.2641% | 979 |
| Net loans and leases to core deposits | 118.1942% | 527 |
| Total domestic deposits to total assets | 84.0325% | 2,779 |
| Equity capital to assets | 12.4710% | 1,750 |
| Core capital (leverage) ratio | 12.0477% | 1,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $1,566,824,500 | 552 |
| Average earning assets | $1,449,597,500 | 546 |
| Average equity | $197,202,500 | 503 |
| Average total loans | $1,286,753,000 | 482 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8275% | 1,960 |
| Cost of funding earning assets | 1.2376% | 931 |
| Net interest margin | 3.5900% | 3,163 |
| Noninterest income to average assets | 0.1731% | 4,624 |
| Noninterest expense to average assets | 1.8787% | 4,686 |
| Loan and lease loss provision to assets | 0.1171% | 1,806 |
| Net operating income to assets | 1.2299% | 1,948 |
| Return on assets (ROA) | 1.2301% | 2,032 |
| Pretax return on assets | 1.5531% | 1,641 |
| Return on Equity (ROE) | 9.7691% | 2,406 |
| Retained earnings to average equity (ytd only) | 9.7691% | 537 |
| Net charge-offs to loans | 0.0533% | 2,341 |
| Credit loss provision to net charge-offs | 265.4321% | 1,043 |
| Earnings coverage of net charge-offs (x) | 37.8519% | 1,364 |
| Efficiency ratio | 52.2016% | 4,589 |
| Assets per employee ($millions) | 12.3710% | 197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7982% | 4,306 |
| Loan loss allowance to noncurrent loans | 95.3939% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 0.9512% | 1,332 |
| Noncurrent loans to loans | 0.8368% | 1,838 |
| Net loans and leases to total assets | 82.8869% | 442 |
| Net loans and leases to deposits | 98.4782% | 716 |
| Net loans and leases to core deposits | 121.7642% | 433 |
| Total domestic deposits to total assets | 84.1678% | 2,799 |
| Equity capital to assets | 12.7062% | 1,704 |
| Core capital (leverage) ratio | 12.1507% | 1,680 |
| Tier 1 risk-based capital ratio | 12.7172% | 3,937 |
| Total risk-based capital ratio | 13.4324% | 4,144 |
| Memoranda: |
| Average total assets | $1,468,699,000 | 562 |
| Average earning assets | $1,381,014,600 | 549 |
| Average equity | $184,929,800 | 503 |
| Average total loans | $1,215,037,000 | 489 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8617% | 1,938 |
| Cost of funding earning assets | 1.2220% | 978 |
| Net interest margin | 3.6398% | 3,133 |
| Noninterest income to average assets | 0.1794% | 4,647 |
| Noninterest expense to average assets | 1.8913% | 4,709 |
| Loan and lease loss provision to assets | 0.1152% | 1,691 |
| Net operating income to assets | 1.2650% | 1,967 |
| Return on assets (ROA) | 1.2652% | 2,042 |
| Pretax return on assets | 1.6032% | 1,628 |
| Return on Equity (ROE) | 10.0724% | 2,399 |
| Retained earnings to average equity (ytd only) | 10.0724% | 730 |
| Net charge-offs to loans | 0.0385% | 2,320 |
| Credit loss provision to net charge-offs | 362.7168% | 830 |
| Earnings coverage of net charge-offs (x) | 54.0927% | 1,136 |
| Efficiency ratio | 51.6532% | 4,629 |
| Assets per employee ($millions) | 12.2038% | 204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8097% | 4,385 |
| Loan loss allowance to noncurrent loans | 96.3998% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 0.9161% | 1,477 |
| Noncurrent loans to loans | 0.8400% | 1,900 |
| Net loans and leases to total assets | 78.9545% | 996 |
| Net loans and leases to deposits | 93.1605% | 1,301 |
| Net loans and leases to core deposits | 110.8836% | 904 |
| Total domestic deposits to total assets | 84.7511% | 2,524 |
| Equity capital to assets | 12.2060% | 2,109 |
| Core capital (leverage) ratio | 12.1109% | 1,782 |
| Tier 1 risk-based capital ratio | 12.6666% | 4,045 |
| Total risk-based capital ratio | 13.3846% | 4,241 |
| Memoranda: |
| Average total assets | $1,452,371,500 | 567 |
| Average earning assets | $1,368,701,250 | 556 |
| Average equity | $182,433,750 | 513 |
| Average total loans | $1,198,365,250 | 496 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9218% | 1,689 |
| Cost of funding earning assets | 1.1999% | 996 |
| Net interest margin | 3.7219% | 2,865 |
| Noninterest income to average assets | 0.1804% | 4,669 |
| Noninterest expense to average assets | 1.9257% | 4,713 |
| Loan and lease loss provision to assets | 0.1441% | 1,287 |
| Net operating income to assets | 1.2786% | 1,859 |
| Return on assets (ROA) | 1.2786% | 1,915 |
| Pretax return on assets | 1.6271% | 1,463 |
| Return on Equity (ROE) | 10.0741% | 2,354 |
| Retained earnings to average equity (ytd only) | 10.0741% | 734 |
| Net charge-offs to loans | 0.0309% | 2,236 |
| Credit loss provision to net charge-offs | 557.3770% | 553 |
| Earnings coverage of net charge-offs (x) | 68.5137% | 908 |
| Efficiency ratio | 51.3336% | 4,699 |
| Assets per employee ($millions) | 11.7589% | 220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8098% | 4,411 |
| Loan loss allowance to noncurrent loans | 100.0701% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 0.9351% | 1,484 |
| Noncurrent loans to loans | 0.8092% | 1,976 |
| Net loans and leases to total assets | 82.6378% | 524 |
| Net loans and leases to deposits | 95.9994% | 1,038 |
| Net loans and leases to core deposits | 117.4574% | 628 |
| Total domestic deposits to total assets | 86.0816% | 1,986 |
| Equity capital to assets | 12.5256% | 1,841 |
| Core capital (leverage) ratio | 12.1017% | 1,758 |
| Tier 1 risk-based capital ratio | 12.4894% | 4,130 |
| Total risk-based capital ratio | 13.2120% | 4,324 |
| Memoranda: |
| Average total assets | $1,415,800,330 | 576 |
| Average earning assets | $1,337,651,670 | 562 |
| Average equity | $179,689,000 | 516 |
| Average total loans | $1,183,352,000 | 501 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8606% | 1,726 |
| Cost of funding earning assets | 1.1587% | 1,019 |
| Net interest margin | 3.7018% | 2,886 |
| Noninterest income to average assets | 0.2135% | 4,466 |
| Noninterest expense to average assets | 1.9134% | 4,775 |
| Loan and lease loss provision to assets | 0.1490% | 1,134 |
| Net operating income to assets | 1.2901% | 1,736 |
| Return on assets (ROA) | 1.2901% | 1,777 |
| Pretax return on assets | 1.6635% | 1,302 |
| Return on Equity (ROE) | 10.0938% | 2,331 |
| Retained earnings to average equity (ytd only) | 10.0938% | 1,015 |
| Net charge-offs to loans | 0.0560% | 1,487 |
| Credit loss provision to net charge-offs | 317.9012% | 793 |
| Earnings coverage of net charge-offs (x) | 38.6790% | 1,169 |
| Efficiency ratio | 50.5784% | 4,784 |
| Assets per employee ($millions) | 10.8991% | 266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8068% | 4,499 |
| Loan loss allowance to noncurrent loans | 250.9101% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.5404% | 2,478 |
| Noncurrent loans to loans | 0.3216% | 3,415 |
| Net loans and leases to total assets | 82.5356% | 522 |
| Net loans and leases to deposits | 95.9359% | 970 |
| Net loans and leases to core deposits | 118.4335% | 570 |
| Total domestic deposits to total assets | 86.0320% | 2,269 |
| Equity capital to assets | 12.6766% | 1,638 |
| Core capital (leverage) ratio | 12.5608% | 1,471 |
| Tier 1 risk-based capital ratio | 12.7559% | 4,009 |
| Total risk-based capital ratio | 13.4778% | 4,204 |
| Memoranda: |
| Average total assets | $1,382,892,000 | 591 |
| Average earning assets | $1,312,104,500 | 577 |
| Average equity | $176,742,500 | 520 |
| Average total loans | $1,157,842,000 | 512 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6647% | 1,942 |
| Cost of funding earning assets | 0.9472% | 931 |
| Net interest margin | 3.7176% | 2,968 |
| Noninterest income to average assets | 0.1834% | 4,806 |
| Noninterest expense to average assets | 2.1180% | 4,520 |
| Loan and lease loss provision to assets | 0.1659% | 1,219 |
| Net operating income to assets | 1.1966% | 2,187 |
| Return on assets (ROA) | 1.1643% | 2,327 |
| Pretax return on assets | 1.4298% | 2,035 |
| Return on Equity (ROE) | 10.0104% | 2,514 |
| Retained earnings to average equity (ytd only) | 10.0104% | 616 |
| Net charge-offs to loans | 0.0498% | 2,443 |
| Credit loss provision to net charge-offs | 395.0617% | 833 |
| Earnings coverage of net charge-offs (x) | 38.9588% | 1,342 |
| Efficiency ratio | 56.1549% | 4,387 |
| Assets per employee ($millions) | 10.5413% | 292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8057% | 4,517 |
| Loan loss allowance to noncurrent loans | 205.7740% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.6429% | 2,115 |
| Noncurrent loans to loans | 0.3916% | 3,129 |
| Net loans and leases to total assets | 83.5686% | 451 |
| Net loans and leases to deposits | 96.4826% | 1,028 |
| Net loans and leases to core deposits | 118.7980% | 589 |
| Total domestic deposits to total assets | 86.6153% | 1,958 |
| Equity capital to assets | 12.9148% | 1,389 |
| Core capital (leverage) ratio | 12.4149% | 1,503 |
| Tier 1 risk-based capital ratio | 13.2738% | 3,680 |
| Total risk-based capital ratio | 14.0170% | 3,864 |
| Memoranda: |
| Average total assets | $1,157,635,000 | 663 |
| Average earning assets | $1,111,753,400 | 638 |
| Average equity | $134,639,800 | 644 |
| Average total loans | $976,119,200 | 570 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5227% | 2,217 |
| Cost of funding earning assets | 0.8865% | 976 |
| Net interest margin | 3.6363% | 3,242 |
| Noninterest income to average assets | 0.1796% | 4,886 |
| Noninterest expense to average assets | 1.8735% | 4,948 |
| Loan and lease loss provision to assets | 0.1189% | 1,704 |
| Net operating income to assets | 1.3340% | 1,726 |
| Return on assets (ROA) | 1.3340% | 1,735 |
| Pretax return on assets | 1.6875% | 1,307 |
| Return on Equity (ROE) | 11.8680% | 1,841 |
| Retained earnings to average equity (ytd only) | 11.8680% | 495 |
| Net charge-offs to loans | 0.0198% | 2,746 |
| Credit loss provision to net charge-offs | 712.2302% | 525 |
| Earnings coverage of net charge-offs (x) | 108.1647% | 711 |
| Efficiency ratio | 50.8620% | 4,893 |
| Assets per employee ($millions) | 11.8449% | 203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8766% | 4,353 |
| Loan loss allowance to noncurrent loans | 424.3444% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.5020% | 2,696 |
| Noncurrent loans to loans | 0.2066% | 3,975 |
| Net loans and leases to total assets | 82.6957% | 602 |
| Net loans and leases to deposits | 95.2564% | 1,238 |
| Net loans and leases to core deposits | 115.0502% | 761 |
| Total domestic deposits to total assets | 86.8138% | 1,815 |
| Equity capital to assets | 11.6831% | 2,119 |
| Core capital (leverage) ratio | 12.3193% | 1,597 |
| Tier 1 risk-based capital ratio | 13.0500% | 3,877 |
| Total risk-based capital ratio | 13.8472% | 4,043 |
| Memoranda: |
| Average total assets | $1,109,721,000 | 689 |
| Average earning assets | $1,068,203,250 | 658 |
| Average equity | $124,735,250 | 688 |
| Average total loans | $935,963,250 | 589 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4609% | 2,218 |
| Cost of funding earning assets | 0.8590% | 878 |
| Net interest margin | 3.6019% | 3,305 |
| Noninterest income to average assets | 0.1372% | 5,126 |
| Noninterest expense to average assets | 1.8699% | 5,002 |
| Loan and lease loss provision to assets | 0.1174% | 1,685 |
| Net operating income to assets | 1.3116% | 1,727 |
| Return on assets (ROA) | 1.3116% | 1,725 |
| Pretax return on assets | 1.6176% | 1,448 |
| Return on Equity (ROE) | 11.8362% | 1,785 |
| Retained earnings to average equity (ytd only) | 11.8362% | 544 |
| Net charge-offs to loans | 0.0143% | 2,661 |
| Credit loss provision to net charge-offs | 968.1818% | 422 |
| Earnings coverage of net charge-offs (x) | 143.1061% | 536 |
| Efficiency ratio | 51.8192% | 4,908 |
| Assets per employee ($millions) | 11.8434% | 198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8683% | 4,483 |
| Loan loss allowance to noncurrent loans | 877.1670% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.4232% | 3,030 |
| Noncurrent loans to loans | 0.0990% | 4,465 |
| Net loans and leases to total assets | 83.3223% | 542 |
| Net loans and leases to deposits | 93.6822% | 1,390 |
| Net loans and leases to core deposits | 116.5000% | 691 |
| Total domestic deposits to total assets | 88.9414% | 959 |
| Equity capital to assets | 10.8686% | 2,766 |
| Core capital (leverage) ratio | 11.5835% | 1,999 |
| Tier 1 risk-based capital ratio | 11.9834% | 4,507 |
| Total risk-based capital ratio | 12.7700% | 4,672 |
| Memoranda: |
| Average total assets | $1,088,746,000 | 703 |
| Average earning assets | $1,048,181,330 | 671 |
| Average equity | $120,646,670 | 710 |
| Average total loans | $921,849,670 | 598 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4225% | 2,122 |
| Cost of funding earning assets | 0.8525% | 756 |
| Net interest margin | 3.5700% | 3,284 |
| Noninterest income to average assets | 0.1443% | 5,148 |
| Noninterest expense to average assets | 1.8759% | 5,060 |
| Loan and lease loss provision to assets | 0.1345% | 1,403 |
| Net operating income to assets | 1.2534% | 1,795 |
| Return on assets (ROA) | 1.2534% | 1,808 |
| Pretax return on assets | 1.5686% | 1,475 |
| Return on Equity (ROE) | 11.1961% | 1,885 |
| Retained earnings to average equity (ytd only) | 11.1961% | 845 |
| Net charge-offs to loans | -0.0080% | 4,166 |
| Credit loss provision to net charge-offs | -1,988.8889% | 4,294 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3620% | 4,934 |
| Assets per employee ($millions) | 12.1083% | 192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8795% | 4,534 |
| Loan loss allowance to noncurrent loans | 807.7767% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.4518% | 3,036 |
| Noncurrent loans to loans | 0.1089% | 4,486 |
| Net loans and leases to total assets | 84.7343% | 362 |
| Net loans and leases to deposits | 96.9665% | 940 |
| Net loans and leases to core deposits | 148.6360% | 136 |
| Total domestic deposits to total assets | 87.3851% | 1,960 |
| Equity capital to assets | 11.1500% | 2,434 |
| Core capital (leverage) ratio | 11.6231% | 1,914 |
| Tier 1 risk-based capital ratio | 12.1677% | 4,452 |
| Total risk-based capital ratio | 12.9718% | 4,614 |
| Memoranda: |
| Average total assets | $1,064,638,000 | 721 |
| Average earning assets | $1,024,308,500 | 693 |
| Average equity | $119,184,000 | 719 |
| Average total loans | $904,954,000 | 607 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3073% | 2,299 |
| Cost of funding earning assets | 0.7081% | 982 |
| Net interest margin | 3.5991% | 3,170 |
| Noninterest income to average assets | 0.2900% | 4,389 |
| Noninterest expense to average assets | 1.9041% | 5,109 |
| Loan and lease loss provision to assets | 0.1238% | 1,847 |
| Net operating income to assets | 0.9734% | 2,354 |
| Return on assets (ROA) | 0.9764% | 2,384 |
| Pretax return on assets | 1.7352% | 925 |
| Return on Equity (ROE) | 8.6389% | 2,480 |
| Retained earnings to average equity (ytd only) | 8.6389% | 577 |
| Net charge-offs to loans | -0.0090% | 4,762 |
| Credit loss provision to net charge-offs | -1,643.8356% | 5,135 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6629% | 5,189 |
| Assets per employee ($millions) | 11.8162% | 196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8693% | 4,597 |
| Loan loss allowance to noncurrent loans | 979.0875% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.4426% | 3,098 |
| Noncurrent loans to loans | 0.0888% | 4,602 |
| Net loans and leases to total assets | 83.7695% | 467 |
| Net loans and leases to deposits | 94.6632% | 1,200 |
| Net loans and leases to core deposits | 138.8728% | 225 |
| Total domestic deposits to total assets | 88.4921% | 1,255 |
| Equity capital to assets | 11.2407% | 2,401 |
| Core capital (leverage) ratio | 11.7949% | 1,730 |
| Tier 1 risk-based capital ratio | 12.0475% | 4,494 |
| Total risk-based capital ratio | 12.8276% | 4,698 |
| Memoranda: |
| Average total assets | $969,367,200 | 765 |
| Average earning assets | $934,167,200 | 728 |
| Average equity | $109,562,200 | 749 |
| Average total loans | $810,629,000 | 650 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2936% | 2,280 |
| Cost of funding earning assets | 0.6794% | 1,076 |
| Net interest margin | 3.6142% | 3,093 |
| Noninterest income to average assets | 0.1925% | 5,051 |
| Noninterest expense to average assets | 1.9312% | 5,091 |
| Loan and lease loss provision to assets | 0.1075% | 1,978 |
| Net operating income to assets | 1.0940% | 2,115 |
| Return on assets (ROA) | 1.0954% | 2,165 |
| Pretax return on assets | 1.6395% | 1,284 |
| Return on Equity (ROE) | 9.6770% | 2,268 |
| Retained earnings to average equity (ytd only) | 9.6770% | 658 |
| Net charge-offs to loans | -0.0091% | 4,612 |
| Credit loss provision to net charge-offs | -1,416.6667% | 5,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5344% | 5,055 |
| Assets per employee ($millions) | 11.1978% | 218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8791% | 4,654 |
| Loan loss allowance to noncurrent loans | 236.1481% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.3089% | 3,829 |
| Noncurrent loans to loans | 0.3723% | 3,618 |
| Net loans and leases to total assets | 82.2623% | 639 |
| Net loans and leases to deposits | 96.4453% | 1,075 |
| Net loans and leases to core deposits | 136.8249% | 247 |
| Total domestic deposits to total assets | 85.2943% | 2,601 |
| Equity capital to assets | 11.7699% | 2,133 |
| Core capital (leverage) ratio | 12.2164% | 1,559 |
| Tier 1 risk-based capital ratio | 12.8850% | 4,093 |
| Total risk-based capital ratio | 13.6815% | 4,266 |
| Memoranda: |
| Average total assets | $948,799,500 | 785 |
| Average earning assets | $914,511,750 | 748 |
| Average equity | $107,400,000 | 765 |
| Average total loans | $791,117,000 | 665 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2587% | 2,252 |
| Cost of funding earning assets | 0.6478% | 1,155 |
| Net interest margin | 3.6109% | 2,998 |
| Noninterest income to average assets | 0.2213% | 4,924 |
| Noninterest expense to average assets | 1.9467% | 5,092 |
| Loan and lease loss provision to assets | 0.1104% | 1,848 |
| Net operating income to assets | 1.1112% | 1,922 |
| Return on assets (ROA) | 1.1112% | 1,972 |
| Pretax return on assets | 1.6463% | 1,205 |
| Return on Equity (ROE) | 9.9577% | 2,056 |
| Retained earnings to average equity (ytd only) | 9.9577% | 595 |
| Net charge-offs to loans | -0.0116% | 4,585 |
| Credit loss provision to net charge-offs | -1,144.4444% | 4,853 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5645% | 5,131 |
| Assets per employee ($millions) | 10.8961% | 232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8781% | 4,721 |
| Loan loss allowance to noncurrent loans | 242.0435% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.2987% | 3,937 |
| Noncurrent loans to loans | 0.3628% | 3,729 |
| Net loans and leases to total assets | 81.6184% | 724 |
| Net loans and leases to deposits | 92.3129% | 1,452 |
| Net loans and leases to core deposits | 124.0950% | 435 |
| Total domestic deposits to total assets | 88.4150% | 1,252 |
| Equity capital to assets | 11.0173% | 2,787 |
| Core capital (leverage) ratio | 11.4953% | 1,972 |
| Tier 1 risk-based capital ratio | 12.3026% | 4,427 |
| Total risk-based capital ratio | 13.1051% | 4,616 |
| Memoranda: |
| Average total assets | $932,864,670 | 806 |
| Average earning assets | $899,615,670 | 762 |
| Average equity | $104,100,330 | 787 |
| Average total loans | $779,122,670 | 675 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2424% | 2,124 |
| Cost of funding earning assets | 0.6319% | 1,177 |
| Net interest margin | 3.6105% | 2,851 |
| Noninterest income to average assets | 0.3045% | 4,382 |
| Noninterest expense to average assets | 1.9606% | 5,130 |
| Loan and lease loss provision to assets | 0.1531% | 1,205 |
| Net operating income to assets | 1.1671% | 1,605 |
| Return on assets (ROA) | 1.1671% | 1,648 |
| Pretax return on assets | 1.6798% | 1,046 |
| Return on Equity (ROE) | 10.3884% | 1,784 |
| Retained earnings to average equity (ytd only) | 10.3884% | 731 |
| Net charge-offs to loans | 0.0130% | 2,545 |
| Credit loss provision to net charge-offs | 1,400.0000% | 240 |
| Earnings coverage of net charge-offs (x) | 167.6000% | 327 |
| Efficiency ratio | 51.6836% | 5,280 |
| Assets per employee ($millions) | 10.8359% | 232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8793% | 4,832 |
| Loan loss allowance to noncurrent loans | 1,062.2257% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.0693% | 4,994 |
| Noncurrent loans to loans | 0.0828% | 4,865 |
| Net loans and leases to total assets | 82.9461% | 468 |
| Net loans and leases to deposits | 93.7358% | 1,136 |
| Net loans and leases to core deposits | 120.9848% | 440 |
| Total domestic deposits to total assets | 88.4892% | 1,429 |
| Equity capital to assets | 11.3021% | 2,351 |
| Core capital (leverage) ratio | 11.5940% | 1,884 |
| Tier 1 risk-based capital ratio | 12.5962% | 4,324 |
| Total risk-based capital ratio | 13.4082% | 4,510 |
| Memoranda: |
| Average total assets | $914,420,000 | 826 |
| Average earning assets | $883,651,500 | 777 |
| Average equity | $102,730,000 | 797 |
| Average total loans | $769,429,000 | 683 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2010% | 2,482 |
| Cost of funding earning assets | 0.5860% | 1,447 |
| Net interest margin | 3.6150% | 3,019 |
| Noninterest income to average assets | 0.1429% | 5,477 |
| Noninterest expense to average assets | 1.9213% | 5,330 |
| Loan and lease loss provision to assets | 0.1830% | 1,294 |
| Net operating income to assets | 1.0161% | 2,283 |
| Return on assets (ROA) | 1.0220% | 2,358 |
| Pretax return on assets | 1.5354% | 1,473 |
| Return on Equity (ROE) | 9.1382% | 2,349 |
| Retained earnings to average equity (ytd only) | 9.1382% | 562 |
| Net charge-offs to loans | 0.1858% | 1,490 |
| Credit loss provision to net charge-offs | 117.0247% | 2,260 |
| Earnings coverage of net charge-offs (x) | 10.9332% | 2,584 |
| Efficiency ratio | 52.9156% | 5,317 |
| Assets per employee ($millions) | 10.9372% | 231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8401% | 4,987 |
| Loan loss allowance to noncurrent loans | 2,591.5663% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0274% | 5,271 |
| Noncurrent loans to loans | 0.0324% | 5,136 |
| Net loans and leases to total assets | 83.9019% | 391 |
| Net loans and leases to deposits | 98.0571% | 822 |
| Net loans and leases to core deposits | 123.4217% | 396 |
| Total domestic deposits to total assets | 85.5643% | 2,799 |
| Equity capital to assets | 11.1657% | 2,459 |
| Core capital (leverage) ratio | 11.8941% | 1,668 |
| Tier 1 risk-based capital ratio | 12.3746% | 4,460 |
| Total risk-based capital ratio | 13.1550% | 4,681 |
| Memoranda: |
| Average total assets | $803,883,000 | 901 |
| Average earning assets | $775,625,800 | 869 |
| Average equity | $89,908,400 | 888 |
| Average total loans | $676,624,000 | 737 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2355% | 2,392 |
| Cost of funding earning assets | 0.5842% | 1,463 |
| Net interest margin | 3.6512% | 2,883 |
| Noninterest income to average assets | 0.1585% | 5,480 |
| Noninterest expense to average assets | 1.9738% | 5,256 |
| Loan and lease loss provision to assets | 0.1560% | 1,490 |
| Net operating income to assets | 1.0150% | 2,365 |
| Return on assets (ROA) | 1.0150% | 2,502 |
| Pretax return on assets | 1.5496% | 1,537 |
| Return on Equity (ROE) | 9.0709% | 2,454 |
| Retained earnings to average equity (ytd only) | 9.0709% | 798 |
| Net charge-offs to loans | 0.2564% | 916 |
| Credit loss provision to net charge-offs | 72.3946% | 2,755 |
| Earnings coverage of net charge-offs (x) | 7.9165% | 2,827 |
| Efficiency ratio | 53.6451% | 5,263 |
| Assets per employee ($millions) | 11.1601% | 208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8566% | 5,016 |
| Loan loss allowance to noncurrent loans | 8,069.8630% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 5,495 |
| Noncurrent loans to loans | 0.0106% | 5,365 |
| Net loans and leases to total assets | 81.4605% | 695 |
| Net loans and leases to deposits | 93.1052% | 1,357 |
| Net loans and leases to core deposits | 117.6288% | 587 |
| Total domestic deposits to total assets | 87.4930% | 1,668 |
| Equity capital to assets | 12.0475% | 2,087 |
| Core capital (leverage) ratio | 12.4097% | 1,434 |
| Tier 1 risk-based capital ratio | 13.6898% | 3,753 |
| Total risk-based capital ratio | 14.4943% | 3,920 |
| Memoranda: |
| Average total assets | $777,907,500 | 924 |
| Average earning assets | $750,123,250 | 887 |
| Average equity | $87,045,250 | 912 |
| Average total loans | $653,754,500 | 761 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2327% | 2,393 |
| Cost of funding earning assets | 0.5945% | 1,356 |
| Net interest margin | 3.6382% | 2,939 |
| Noninterest income to average assets | 0.1467% | 5,572 |
| Noninterest expense to average assets | 2.0166% | 5,240 |
| Loan and lease loss provision to assets | 0.0857% | 2,434 |
| Net operating income to assets | 1.0134% | 2,331 |
| Return on assets (ROA) | 1.0256% | 2,410 |
| Pretax return on assets | 1.5658% | 1,472 |
| Return on Equity (ROE) | 9.4315% | 2,306 |
| Retained earnings to average equity (ytd only) | 9.4315% | 737 |
| Net charge-offs to loans | 0.0700% | 2,188 |
| Credit loss provision to net charge-offs | 144.4444% | 1,638 |
| Earnings coverage of net charge-offs (x) | 27.5111% | 1,454 |
| Efficiency ratio | 55.2584% | 5,218 |
| Assets per employee ($millions) | 10.7676% | 219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9545% | 4,739 |
| Loan loss allowance to noncurrent loans | 205.4115% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.3873% | 3,942 |
| Noncurrent loans to loans | 0.4647% | 3,703 |
| Net loans and leases to total assets | 82.5519% | 568 |
| Net loans and leases to deposits | 96.9449% | 972 |
| Net loans and leases to core deposits | 122.1622% | 457 |
| Total domestic deposits to total assets | 85.1534% | 2,797 |
| Equity capital to assets | 12.4082% | 1,837 |
| Core capital (leverage) ratio | 12.8544% | 1,213 |
| Tier 1 risk-based capital ratio | 13.6633% | 3,794 |
| Total risk-based capital ratio | 14.5463% | 3,938 |
| Memoranda: |
| Average total assets | $758,207,000 | 948 |
| Average earning assets | $729,979,330 | 907 |
| Average equity | $82,447,330 | 969 |
| Average total loans | $642,431,670 | 773 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3055% | 2,114 |
| Cost of funding earning assets | 0.5898% | 1,408 |
| Net interest margin | 3.7156% | 2,607 |
| Noninterest income to average assets | 0.1413% | 5,642 |
| Noninterest expense to average assets | 2.0473% | 5,229 |
| Loan and lease loss provision to assets | 0.1218% | 1,736 |
| Net operating income to assets | 1.0567% | 2,064 |
| Return on assets (ROA) | 1.0567% | 2,173 |
| Pretax return on assets | 1.5596% | 1,407 |
| Return on Equity (ROE) | 10.5177% | 1,775 |
| Retained earnings to average equity (ytd only) | 10.5177% | 738 |
| Net charge-offs to loans | 0.1425% | 1,255 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 13.8044% | 1,723 |
| Efficiency ratio | 54.9071% | 5,293 |
| Assets per employee ($millions) | 10.0122% | 276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9754% | 4,734 |
| Loan loss allowance to noncurrent loans | 333.9936% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.2521% | 4,546 |
| Noncurrent loans to loans | 0.2920% | 4,388 |
| Net loans and leases to total assets | 85.4879% | 259 |
| Net loans and leases to deposits | 95.8659% | 956 |
| Net loans and leases to core deposits | 122.3458% | 406 |
| Total domestic deposits to total assets | 89.1744% | 1,013 |
| Equity capital to assets | 10.2056% | 3,834 |
| Core capital (leverage) ratio | 10.3151% | 3,173 |
| Tier 1 risk-based capital ratio | 11.0809% | 5,465 |
| Total risk-based capital ratio | 12.0007% | 5,542 |
| Memoranda: |
| Average total assets | $738,909,500 | 980 |
| Average earning assets | $713,416,500 | 933 |
| Average equity | $74,236,500 | 1,071 |
| Average total loans | $631,590,500 | 782 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1824% | 2,614 |
| Cost of funding earning assets | 0.5772% | 1,528 |
| Net interest margin | 3.6052% | 3,114 |
| Noninterest income to average assets | 0.1660% | 5,589 |
| Noninterest expense to average assets | 2.1979% | 5,050 |
| Loan and lease loss provision to assets | 0.1630% | 1,413 |
| Net operating income to assets | 0.8509% | 3,112 |
| Return on assets (ROA) | 0.8576% | 3,146 |
| Pretax return on assets | 1.2920% | 2,318 |
| Return on Equity (ROE) | 8.0732% | 2,923 |
| Retained earnings to average equity (ytd only) | 8.0732% | 893 |
| Net charge-offs to loans | 0.0717% | 2,810 |
| Credit loss provision to net charge-offs | 268.9223% | 1,078 |
| Earnings coverage of net charge-offs (x) | 23.8421% | 1,705 |
| Efficiency ratio | 60.3377% | 4,867 |
| Assets per employee ($millions) | 10.3791% | 238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0005% | 4,613 |
| Loan loss allowance to noncurrent loans | 243.8062% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.3473% | 4,200 |
| Noncurrent loans to loans | 0.4104% | 3,982 |
| Net loans and leases to total assets | 83.7709% | 413 |
| Net loans and leases to deposits | 98.5127% | 781 |
| Net loans and leases to core deposits | 128.8642% | 286 |
| Total domestic deposits to total assets | 85.0356% | 3,074 |
| Equity capital to assets | 9.8870% | 4,089 |
| Core capital (leverage) ratio | 10.8178% | 2,588 |
| Tier 1 risk-based capital ratio | 11.2466% | 5,400 |
| Total risk-based capital ratio | 12.2046% | 5,451 |
| Memoranda: |
| Average total assets | $658,440,000 | 1,038 |
| Average earning assets | $634,964,400 | 998 |
| Average equity | $69,947,600 | 1,090 |
| Average total loans | $556,200,600 | 844 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2488% | 2,406 |
| Cost of funding earning assets | 0.5936% | 1,443 |
| Net interest margin | 3.6552% | 2,938 |
| Noninterest income to average assets | 0.1730% | 5,613 |
| Noninterest expense to average assets | 2.2875% | 4,810 |
| Loan and lease loss provision to assets | 0.0476% | 3,255 |
| Net operating income to assets | 0.8978% | 2,970 |
| Return on assets (ROA) | 0.9162% | 2,968 |
| Pretax return on assets | 1.3884% | 2,062 |
| Return on Equity (ROE) | 8.4560% | 2,843 |
| Retained earnings to average equity (ytd only) | 8.4560% | 1,069 |
| Net charge-offs to loans | 0.1016% | 2,125 |
| Credit loss provision to net charge-offs | 55.4745% | 2,969 |
| Earnings coverage of net charge-offs (x) | 16.4135% | 2,117 |
| Efficiency ratio | 61.8999% | 4,587 |
| Assets per employee ($millions) | 9.4738% | 328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9570% | 4,950 |
| Loan loss allowance to noncurrent loans | 154.2120% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 0.5116% | 3,783 |
| Noncurrent loans to loans | 0.6206% | 3,459 |
| Net loans and leases to total assets | 81.6592% | 619 |
| Net loans and leases to deposits | 93.4207% | 1,267 |
| Net loans and leases to core deposits | 119.7386% | 476 |
| Total domestic deposits to total assets | 87.4101% | 1,841 |
| Equity capital to assets | 10.5335% | 3,573 |
| Core capital (leverage) ratio | 11.0436% | 2,441 |
| Tier 1 risk-based capital ratio | 12.0393% | 5,058 |
| Total risk-based capital ratio | 12.9409% | 5,193 |
| Memoranda: |
| Average total assets | $638,821,250 | 1,080 |
| Average earning assets | $615,619,500 | 1,030 |
| Average equity | $69,219,750 | 1,105 |
| Average total loans | $539,361,000 | 879 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2829% | 2,222 |
| Cost of funding earning assets | 0.5952% | 1,451 |
| Net interest margin | 3.6877% | 2,764 |
| Noninterest income to average assets | 0.1816% | 5,599 |
| Noninterest expense to average assets | 2.3175% | 4,802 |
| Loan and lease loss provision to assets | 0.0538% | 3,041 |
| Net operating income to assets | 0.8980% | 2,886 |
| Return on assets (ROA) | 0.9263% | 2,875 |
| Pretax return on assets | 1.4036% | 1,967 |
| Return on Equity (ROE) | 8.4632% | 2,816 |
| Retained earnings to average equity (ytd only) | 8.4632% | 1,092 |
| Net charge-offs to loans | 0.0591% | 2,550 |
| Credit loss provision to net charge-offs | 107.0064% | 1,962 |
| Earnings coverage of net charge-offs (x) | 28.1274% | 1,428 |
| Efficiency ratio | 62.0977% | 4,667 |
| Assets per employee ($millions) | 9.6176% | 302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9957% | 4,885 |
| Loan loss allowance to noncurrent loans | 381.9178% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.2200% | 4,987 |
| Noncurrent loans to loans | 0.2607% | 4,741 |
| Net loans and leases to total assets | 83.5511% | 410 |
| Net loans and leases to deposits | 94.2827% | 1,125 |
| Net loans and leases to core deposits | 118.9597% | 497 |
| Total domestic deposits to total assets | 88.6176% | 1,349 |
| Equity capital to assets | 10.5028% | 3,437 |
| Core capital (leverage) ratio | 11.3178% | 2,149 |
| Tier 1 risk-based capital ratio | 11.9972% | 5,154 |
| Total risk-based capital ratio | 12.9503% | 5,252 |
| Memoranda: |
| Average total assets | $624,391,000 | 1,103 |
| Average earning assets | $601,134,330 | 1,057 |
| Average equity | $68,343,000 | 1,124 |
| Average total loans | $531,685,000 | 893 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3402% | 1,968 |
| Cost of funding earning assets | 0.6108% | 1,362 |
| Net interest margin | 3.7294% | 2,516 |
| Noninterest income to average assets | 0.1892% | 5,570 |
| Noninterest expense to average assets | 2.4055% | 4,577 |
| Loan and lease loss provision to assets | 0.0417% | 3,081 |
| Net operating income to assets | 0.8794% | 2,848 |
| Return on assets (ROA) | 0.9379% | 2,704 |
| Pretax return on assets | 1.4207% | 1,806 |
| Return on Equity (ROE) | 8.3824% | 2,761 |
| Retained earnings to average equity (ytd only) | 8.3824% | 1,421 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6507% | 4,530 |
| Assets per employee ($millions) | 8.7653% | 396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0718% | 4,653 |
| Loan loss allowance to noncurrent loans | 323.0769% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.2880% | 4,810 |
| Noncurrent loans to loans | 0.3318% | 4,605 |
| Net loans and leases to total assets | 85.8885% | 201 |
| Net loans and leases to deposits | 97.6485% | 706 |
| Net loans and leases to core deposits | 128.4888% | 262 |
| Total domestic deposits to total assets | 87.9567% | 1,851 |
| Equity capital to assets | 11.3286% | 2,619 |
| Core capital (leverage) ratio | 11.3600% | 2,111 |
| Tier 1 risk-based capital ratio | 12.6179% | 4,831 |
| Total risk-based capital ratio | 13.6543% | 4,882 |
| Memoranda: |
| Average total assets | $604,779,500 | 1,144 |
| Average earning assets | $582,185,000 | 1,090 |
| Average equity | $67,665,500 | 1,137 |
| Average total loans | $517,511,000 | 912 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2696% | 2,707 |
| Cost of funding earning assets | 0.6245% | 1,578 |
| Net interest margin | 3.6451% | 3,233 |
| Noninterest income to average assets | 0.2251% | 5,518 |
| Noninterest expense to average assets | 2.4249% | 4,776 |
| Loan and lease loss provision to assets | 0.1613% | 1,630 |
| Net operating income to assets | 0.7434% | 3,659 |
| Return on assets (ROA) | 0.7526% | 3,718 |
| Pretax return on assets | 1.1465% | 2,888 |
| Return on Equity (ROE) | 6.4824% | 3,908 |
| Retained earnings to average equity (ytd only) | 6.4824% | 1,653 |
| Net charge-offs to loans | 0.0251% | 4,331 |
| Credit loss provision to net charge-offs | 784.0708% | 345 |
| Earnings coverage of net charge-offs (x) | 62.8761% | 762 |
| Efficiency ratio | 65.2074% | 4,371 |
| Assets per employee ($millions) | 8.7646% | 385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0913% | 4,578 |
| Loan loss allowance to noncurrent loans | 347.5953% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.2647% | 4,970 |
| Noncurrent loans to loans | 0.3140% | 4,720 |
| Net loans and leases to total assets | 83.4011% | 386 |
| Net loans and leases to deposits | 100.0303% | 618 |
| Net loans and leases to core deposits | 133.8612% | 212 |
| Total domestic deposits to total assets | 83.3758% | 3,954 |
| Equity capital to assets | 11.0483% | 2,849 |
| Core capital (leverage) ratio | 10.9588% | 2,443 |
| Tier 1 risk-based capital ratio | 12.5344% | 5,018 |
| Total risk-based capital ratio | 13.6233% | 5,033 |
| Memoranda: |
| Average total assets | $549,131,600 | 1,216 |
| Average earning assets | $526,320,000 | 1,155 |
| Average equity | $63,757,200 | 1,145 |
| Average total loans | $450,753,400 | 978 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2427% | 2,831 |
| Cost of funding earning assets | 0.6310% | 1,592 |
| Net interest margin | 3.6118% | 3,381 |
| Noninterest income to average assets | 0.1838% | 5,821 |
| Noninterest expense to average assets | 2.4388% | 4,703 |
| Loan and lease loss provision to assets | 0.1318% | 1,904 |
| Net operating income to assets | 0.7070% | 3,908 |
| Return on assets (ROA) | 0.7222% | 3,931 |
| Pretax return on assets | 1.0941% | 3,211 |
| Return on Equity (ROE) | 6.1360% | 4,165 |
| Retained earnings to average equity (ytd only) | 6.1360% | 2,321 |
| Net charge-offs to loans | 0.0315% | 3,857 |
| Credit loss provision to net charge-offs | 513.5922% | 557 |
| Earnings coverage of net charge-offs (x) | 46.8835% | 1,019 |
| Efficiency ratio | 66.9676% | 4,051 |
| Assets per employee ($millions) | 8.4077% | 440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0984% | 4,756 |
| Loan loss allowance to noncurrent loans | 339.4925% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.2688% | 5,180 |
| Noncurrent loans to loans | 0.3235% | 4,940 |
| Net loans and leases to total assets | 82.1800% | 493 |
| Net loans and leases to deposits | 96.4841% | 844 |
| Net loans and leases to core deposits | 125.7876% | 286 |
| Total domestic deposits to total assets | 85.1746% | 3,268 |
| Equity capital to assets | 11.3600% | 2,619 |
| Core capital (leverage) ratio | 11.5030% | 2,060 |
| Tier 1 risk-based capital ratio | 13.0496% | 4,836 |
| Total risk-based capital ratio | 14.1326% | 4,846 |
| Memoranda: |
| Average total assets | $535,225,500 | 1,258 |
| Average earning assets | $512,424,500 | 1,201 |
| Average equity | $62,992,750 | 1,167 |
| Average total loans | $435,957,250 | 1,012 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1692% | 3,072 |
| Cost of funding earning assets | 0.6290% | 1,654 |
| Net interest margin | 3.5403% | 3,610 |
| Noninterest income to average assets | 0.1835% | 5,852 |
| Noninterest expense to average assets | 2.5033% | 4,565 |
| Loan and lease loss provision to assets | 0.0650% | 2,967 |
| Net operating income to assets | 0.6675% | 4,008 |
| Return on assets (ROA) | 0.6902% | 3,984 |
| Pretax return on assets | 1.0458% | 3,297 |
| Return on Equity (ROE) | 5.7907% | 4,279 |
| Retained earnings to average equity (ytd only) | 5.7907% | 2,454 |
| Net charge-offs to loans | 0.0534% | 3,203 |
| Credit loss provision to net charge-offs | 150.4425% | 1,448 |
| Earnings coverage of net charge-offs (x) | 24.9115% | 1,410 |
| Efficiency ratio | 69.9316% | 3,670 |
| Assets per employee ($millions) | 8.4853% | 403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1077% | 4,871 |
| Loan loss allowance to noncurrent loans | 209.2792% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.4334% | 4,715 |
| Noncurrent loans to loans | 0.5293% | 4,425 |
| Net loans and leases to total assets | 80.9785% | 579 |
| Net loans and leases to deposits | 92.7661% | 1,072 |
| Net loans and leases to core deposits | 122.3443% | 333 |
| Total domestic deposits to total assets | 87.2933% | 2,299 |
| Equity capital to assets | 11.9517% | 2,021 |
| Core capital (leverage) ratio | 11.6288% | 1,901 |
| Tier 1 risk-based capital ratio | 14.3733% | 4,009 |
| Total risk-based capital ratio | 15.5019% | 4,028 |
| Memoranda: |
| Average total assets | $523,059,670 | 1,282 |
| Average earning assets | $501,769,670 | 1,231 |
| Average equity | $62,341,000 | 1,168 |
| Average total loans | $422,923,000 | 1,035 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0735% | 3,382 |
| Cost of funding earning assets | 0.6159% | 1,849 |
| Net interest margin | 3.4576% | 3,870 |
| Noninterest income to average assets | 0.1686% | 5,965 |
| Noninterest expense to average assets | 2.5625% | 4,405 |
| Loan and lease loss provision to assets | 0.0263% | 3,492 |
| Net operating income to assets | 0.5914% | 4,234 |
| Return on assets (ROA) | 0.6271% | 4,140 |
| Pretax return on assets | 0.9503% | 3,515 |
| Return on Equity (ROE) | 5.2691% | 4,413 |
| Retained earnings to average equity (ytd only) | 5.2691% | 2,948 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5301% | 3,226 |
| Assets per employee ($millions) | 7.8789% | 513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1491% | 4,882 |
| Loan loss allowance to noncurrent loans | 165.4439% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 0.5526% | 4,496 |
| Noncurrent loans to loans | 0.6945% | 4,130 |
| Net loans and leases to total assets | 78.6462% | 695 |
| Net loans and leases to deposits | 90.3569% | 1,106 |
| Net loans and leases to core deposits | 120.5884% | 315 |
| Total domestic deposits to total assets | 87.0395% | 2,784 |
| Equity capital to assets | 11.7881% | 2,020 |
| Core capital (leverage) ratio | 11.8785% | 1,716 |
| Tier 1 risk-based capital ratio | 14.5361% | 3,989 |
| Total risk-based capital ratio | 15.6965% | 3,990 |
| Memoranda: |
| Average total assets | $517,302,000 | 1,303 |
| Average earning assets | $496,181,000 | 1,248 |
| Average equity | $61,566,000 | 1,177 |
| Average total loans | $415,514,500 | 1,055 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2150% | 3,295 |
| Cost of funding earning assets | 0.6750% | 2,001 |
| Net interest margin | 3.5400% | 3,727 |
| Noninterest income to average assets | 0.1801% | 6,008 |
| Noninterest expense to average assets | 2.6816% | 4,154 |
| Loan and lease loss provision to assets | 0.1761% | 2,100 |
| Net operating income to assets | 0.4600% | 4,910 |
| Return on assets (ROA) | 0.4887% | 4,927 |
| Pretax return on assets | 0.7732% | 4,251 |
| Return on Equity (ROE) | 4.2817% | 4,980 |
| Retained earnings to average equity (ytd only) | 4.2817% | 3,128 |
| Net charge-offs to loans | -0.0643% | 6,389 |
| Credit loss provision to net charge-offs | -347.6190% | 6,081 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7768% | 2,998 |
| Assets per employee ($millions) | 7.6775% | 555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1658% | 4,828 |
| Loan loss allowance to noncurrent loans | 160.3748% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 0.5897% | 4,471 |
| Noncurrent loans to loans | 0.7269% | 4,145 |
| Net loans and leases to total assets | 80.1726% | 578 |
| Net loans and leases to deposits | 94.4787% | 838 |
| Net loans and leases to core deposits | 124.3756% | 264 |
| Total domestic deposits to total assets | 84.8578% | 3,826 |
| Equity capital to assets | 12.0193% | 1,791 |
| Core capital (leverage) ratio | 12.5837% | 1,311 |
| Tier 1 risk-based capital ratio | 14.7064% | 3,837 |
| Total risk-based capital ratio | 15.8863% | 3,827 |
| Memoranda: |
| Average total assets | $455,920,400 | 1,454 |
| Average earning assets | $438,668,600 | 1,386 |
| Average equity | $52,035,800 | 1,364 |
| Average total loans | $359,349,000 | 1,190 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2108% | 3,347 |
| Cost of funding earning assets | 0.6911% | 2,012 |
| Net interest margin | 3.5198% | 3,793 |
| Noninterest income to average assets | 0.1781% | 6,127 |
| Noninterest expense to average assets | 2.7889% | 3,699 |
| Loan and lease loss provision to assets | 0.1483% | 2,422 |
| Net operating income to assets | 0.4138% | 5,191 |
| Return on assets (ROA) | 0.4545% | 5,148 |
| Pretax return on assets | 0.6886% | 4,724 |
| Return on Equity (ROE) | 4.0439% | 5,206 |
| Retained earnings to average equity (ytd only) | 4.0439% | 3,819 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2495% | 2,383 |
| Assets per employee ($millions) | 7.9081% | 480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1433% | 5,148 |
| Loan loss allowance to noncurrent loans | 86.8096% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 1.0418% | 3,567 |
| Noncurrent loans to loans | 1.3170% | 3,213 |
| Net loans and leases to total assets | 78.1987% | 725 |
| Net loans and leases to deposits | 90.5009% | 1,110 |
| Net loans and leases to core deposits | 116.5037% | 383 |
| Total domestic deposits to total assets | 86.4066% | 3,024 |
| Equity capital to assets | 12.7787% | 1,435 |
| Core capital (leverage) ratio | 12.9862% | 1,213 |
| Tier 1 risk-based capital ratio | 16.2463% | 3,062 |
| Total risk-based capital ratio | 17.4281% | 3,052 |
| Memoranda: |
| Average total assets | $443,221,250 | 1,503 |
| Average earning assets | $426,380,000 | 1,438 |
| Average equity | $49,818,750 | 1,430 |
| Average total loans | $346,426,250 | 1,229 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2524% | 3,145 |
| Cost of funding earning assets | 0.7041% | 2,039 |
| Net interest margin | 3.5483% | 3,569 |
| Noninterest income to average assets | 0.1811% | 6,122 |
| Noninterest expense to average assets | 2.8249% | 3,588 |
| Loan and lease loss provision to assets | 0.1446% | 2,531 |
| Net operating income to assets | 0.4088% | 5,183 |
| Return on assets (ROA) | 0.4561% | 5,159 |
| Pretax return on assets | 0.6904% | 4,712 |
| Return on Equity (ROE) | 4.2714% | 5,103 |
| Retained earnings to average equity (ytd only) | 4.2714% | 3,576 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7250% | 2,342 |
| Assets per employee ($millions) | 7.3571% | 606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1832% | 5,077 |
| Loan loss allowance to noncurrent loans | 81.6935% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 1.1029% | 3,520 |
| Noncurrent loans to loans | 1.4483% | 3,130 |
| Net loans and leases to total assets | 75.2510% | 1,079 |
| Net loans and leases to deposits | 87.3433% | 1,420 |
| Net loans and leases to core deposits | 115.6852% | 399 |
| Total domestic deposits to total assets | 86.1554% | 3,283 |
| Equity capital to assets | 13.1167% | 1,304 |
| Core capital (leverage) ratio | 13.4377% | 1,005 |
| Tier 1 risk-based capital ratio | 17.1261% | 2,667 |
| Total risk-based capital ratio | 18.3339% | 2,655 |
| Memoranda: |
| Average total assets | $432,799,670 | 1,541 |
| Average earning assets | $415,580,670 | 1,468 |
| Average equity | $46,214,000 | 1,530 |
| Average total loans | $336,790,670 | 1,262 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3658% | 2,636 |
| Cost of funding earning assets | 0.7385% | 1,935 |
| Net interest margin | 3.6274% | 3,151 |
| Noninterest income to average assets | 0.1795% | 6,192 |
| Noninterest expense to average assets | 2.8238% | 3,618 |
| Loan and lease loss provision to assets | 0.0988% | 3,034 |
| Net operating income to assets | 0.4993% | 4,670 |
| Return on assets (ROA) | 0.5965% | 4,382 |
| Pretax return on assets | 0.9033% | 3,751 |
| Return on Equity (ROE) | 6.3747% | 3,836 |
| Retained earnings to average equity (ytd only) | 6.3747% | 2,467 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7622% | 2,801 |
| Assets per employee ($millions) | 7.3596% | 643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1644% | 5,352 |
| Loan loss allowance to noncurrent loans | 89.2304% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 1.0315% | 3,870 |
| Noncurrent loans to loans | 1.3050% | 3,606 |
| Net loans and leases to total assets | 78.1225% | 598 |
| Net loans and leases to deposits | 87.3983% | 1,201 |
| Net loans and leases to core deposits | 114.5382% | 377 |
| Total domestic deposits to total assets | 89.3868% | 1,427 |
| Equity capital to assets | 9.4561% | 4,915 |
| Core capital (leverage) ratio | 8.9331% | 4,998 |
| Tier 1 risk-based capital ratio | 11.3927% | 6,243 |
| Total risk-based capital ratio | 12.5845% | 6,242 |
| Memoranda: |
| Average total assets | $421,128,000 | 1,597 |
| Average earning assets | $406,246,500 | 1,510 |
| Average equity | $39,405,500 | 1,800 |
| Average total loans | $331,505,000 | 1,283 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8819% | 1,900 |
| Cost of funding earning assets | 0.8144% | 2,549 |
| Net interest margin | 4.0676% | 2,128 |
| Noninterest income to average assets | 0.3357% | 5,056 |
| Noninterest expense to average assets | 3.1715% | 2,708 |
| Loan and lease loss provision to assets | 0.3828% | 1,709 |
| Net operating income to assets | 0.4564% | 4,854 |
| Return on assets (ROA) | 0.4611% | 5,083 |
| Pretax return on assets | 0.7122% | 4,628 |
| Return on Equity (ROE) | 4.1211% | 5,092 |
| Retained earnings to average equity (ytd only) | 4.1211% | 3,324 |
| Net charge-offs to loans | 0.0862% | 4,817 |
| Credit loss provision to net charge-offs | 547.7679% | 445 |
| Earnings coverage of net charge-offs (x) | 15.5670% | 1,641 |
| Efficiency ratio | 74.4598% | 2,997 |
| Assets per employee ($millions) | 6.7105% | 894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1336% | 5,423 |
| Loan loss allowance to noncurrent loans | 81.3556% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 1.0923% | 3,828 |
| Noncurrent loans to loans | 1.3934% | 3,515 |
| Net loans and leases to total assets | 77.5076% | 728 |
| Net loans and leases to deposits | 86.5250% | 1,441 |
| Net loans and leases to core deposits | 115.0744% | 381 |
| Total domestic deposits to total assets | 89.5783% | 1,205 |
| Equity capital to assets | 9.2589% | 5,198 |
| Core capital (leverage) ratio | 9.1634% | 4,639 |
| Tier 1 risk-based capital ratio | 11.1310% | 6,301 |
| Total risk-based capital ratio | 12.2874% | 6,304 |
| Memoranda: |
| Average total assets | $320,546,000 | 2,007 |
| Average earning assets | $309,202,800 | 1,916 |
| Average equity | $35,863,800 | 1,929 |
| Average total loans | $259,902,400 | 1,593 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0070% | 1,682 |
| Cost of funding earning assets | 0.8232% | 2,749 |
| Net interest margin | 4.1837% | 1,781 |
| Noninterest income to average assets | 0.1957% | 6,126 |
| Noninterest expense to average assets | 3.1806% | 2,630 |
| Loan and lease loss provision to assets | 0.3250% | 2,021 |
| Net operating income to assets | 0.4494% | 5,036 |
| Return on assets (ROA) | 0.4488% | 5,289 |
| Pretax return on assets | 0.7250% | 4,771 |
| Return on Equity (ROE) | 3.7780% | 5,378 |
| Retained earnings to average equity (ytd only) | 3.7780% | 4,235 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1656% | 2,796 |
| Assets per employee ($millions) | 6.6920% | 869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2763% | 4,917 |
| Loan loss allowance to noncurrent loans | 75.0270% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 1.3834% | 3,532 |
| Noncurrent loans to loans | 1.7012% | 3,232 |
| Net loans and leases to total assets | 80.2843% | 483 |
| Net loans and leases to deposits | 91.8105% | 990 |
| Net loans and leases to core deposits | 132.8835% | 169 |
| Total domestic deposits to total assets | 87.4456% | 2,383 |
| Equity capital to assets | 10.7462% | 3,558 |
| Core capital (leverage) ratio | 10.4669% | 2,957 |
| Tier 1 risk-based capital ratio | 12.6053% | 5,561 |
| Total risk-based capital ratio | 13.8554% | 5,522 |
| Memoranda: |
| Average total assets | $294,992,250 | 2,194 |
| Average earning assets | $284,557,250 | 2,100 |
| Average equity | $35,044,000 | 1,994 |
| Average total loans | $242,020,750 | 1,716 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0639% | 1,621 |
| Cost of funding earning assets | 0.8150% | 3,075 |
| Net interest margin | 4.2489% | 1,605 |
| Noninterest income to average assets | 0.1938% | 6,172 |
| Noninterest expense to average assets | 3.1776% | 2,663 |
| Loan and lease loss provision to assets | 0.3620% | 1,827 |
| Net operating income to assets | 0.4926% | 4,850 |
| Return on assets (ROA) | 0.4911% | 5,110 |
| Pretax return on assets | 0.7445% | 4,680 |
| Return on Equity (ROE) | 3.9839% | 5,270 |
| Retained earnings to average equity (ytd only) | 3.9839% | 3,963 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1348% | 3,053 |
| Assets per employee ($millions) | 6.3227% | 1,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2990% | 4,897 |
| Loan loss allowance to noncurrent loans | 57.9854% | 4,745 |
| Noncurrent assets plus other real estate owned to assets | 1.8169% | 3,017 |
| Noncurrent loans to loans | 2.2402% | 2,684 |
| Net loans and leases to total assets | 80.0522% | 507 |
| Net loans and leases to deposits | 92.4145% | 901 |
| Net loans and leases to core deposits | 139.4313% | 153 |
| Total domestic deposits to total assets | 86.6229% | 2,996 |
| Equity capital to assets | 11.4643% | 2,623 |
| Core capital (leverage) ratio | 12.0025% | 1,597 |
| Tier 1 risk-based capital ratio | 13.5160% | 4,810 |
| Total risk-based capital ratio | 14.7661% | 4,768 |
| Memoranda: |
| Average total assets | $281,789,330 | 2,290 |
| Average earning assets | $271,413,000 | 2,178 |
| Average equity | $34,739,670 | 1,984 |
| Average total loans | $231,992,670 | 1,771 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1882% | 1,343 |
| Cost of funding earning assets | 0.8644% | 2,961 |
| Net interest margin | 4.3238% | 1,394 |
| Noninterest income to average assets | 0.1793% | 6,308 |
| Noninterest expense to average assets | 3.2251% | 2,519 |
| Loan and lease loss provision to assets | 0.3092% | 2,038 |
| Net operating income to assets | 0.5273% | 4,702 |
| Return on assets (ROA) | 0.5273% | 4,913 |
| Pretax return on assets | 0.7992% | 4,416 |
| Return on Equity (ROE) | 4.1106% | 5,244 |
| Retained earnings to average equity (ytd only) | 4.1106% | 4,127 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4226% | 3,029 |
| Assets per employee ($millions) | 6.2390% | 1,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2785% | 5,114 |
| Loan loss allowance to noncurrent loans | 50.8411% | 5,018 |
| Noncurrent assets plus other real estate owned to assets | 2.1223% | 2,758 |
| Noncurrent loans to loans | 2.5147% | 2,595 |
| Net loans and leases to total assets | 83.3162% | 204 |
| Net loans and leases to deposits | 98.1745% | 437 |
| Net loans and leases to core deposits | 146.0440% | 124 |
| Total domestic deposits to total assets | 84.8655% | 4,100 |
| Equity capital to assets | 12.7190% | 1,590 |
| Core capital (leverage) ratio | 12.8225% | 1,194 |
| Tier 1 risk-based capital ratio | 14.1860% | 4,330 |
| Total risk-based capital ratio | 15.4355% | 4,305 |
| Memoranda: |
| Average total assets | $267,777,500 | 2,406 |
| Average earning assets | $257,274,000 | 2,306 |
| Average equity | $34,350,500 | 2,011 |
| Average total loans | $222,351,000 | 1,838 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2251% | 1,964 |
| Cost of funding earning assets | 0.9807% | 3,510 |
| Net interest margin | 4.2444% | 1,910 |
| Noninterest income to average assets | 0.1919% | 6,130 |
| Noninterest expense to average assets | 3.4129% | 2,208 |
| Loan and lease loss provision to assets | 0.2684% | 3,530 |
| Net operating income to assets | 0.8290% | 2,914 |
| Return on assets (ROA) | 0.8270% | 3,087 |
| Pretax return on assets | 0.5958% | 4,709 |
| Return on Equity (ROE) | 7.3201% | 3,234 |
| Retained earnings to average equity (ytd only) | 7.3201% | 1,357 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7565% | 2,336 |
| Assets per employee ($millions) | 6.3668% | 1,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2928% | 4,938 |
| Loan loss allowance to noncurrent loans | 46.6542% | 5,210 |
| Noncurrent assets plus other real estate owned to assets | 2.2614% | 2,661 |
| Noncurrent loans to loans | 2.7711% | 2,361 |
| Net loans and leases to total assets | 80.5510% | 438 |
| Net loans and leases to deposits | 94.1348% | 809 |
| Net loans and leases to core deposits | 146.6672% | 142 |
| Total domestic deposits to total assets | 85.5699% | 3,557 |
| Equity capital to assets | 12.9426% | 1,521 |
| Core capital (leverage) ratio | 12.4411% | 1,373 |
| Tier 1 risk-based capital ratio | 13.1418% | 4,961 |
| Total risk-based capital ratio | 14.2703% | 5,028 |
| Memoranda: |
| Average total assets | $241,846,600 | 2,616 |
| Average earning assets | $232,894,800 | 2,475 |
| Average equity | $27,322,200 | 2,371 |
| Average total loans | $191,768,600 | 2,112 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2120% | 2,163 |
| Cost of funding earning assets | 1.0101% | 3,612 |
| Net interest margin | 4.2018% | 2,089 |
| Noninterest income to average assets | 0.1974% | 6,183 |
| Noninterest expense to average assets | 3.4766% | 1,998 |
| Loan and lease loss provision to assets | 0.2992% | 3,133 |
| Net operating income to assets | 0.4668% | 4,690 |
| Return on assets (ROA) | 0.4697% | 4,871 |
| Pretax return on assets | 0.4697% | 5,262 |
| Return on Equity (ROE) | 4.3309% | 4,850 |
| Retained earnings to average equity (ytd only) | 4.3309% | 3,647 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9435% | 1,984 |
| Assets per employee ($millions) | 5.9455% | 1,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2752% | 5,122 |
| Loan loss allowance to noncurrent loans | 53.4347% | 4,799 |
| Noncurrent assets plus other real estate owned to assets | 1.9763% | 3,170 |
| Noncurrent loans to loans | 2.3864% | 2,902 |
| Net loans and leases to total assets | 81.7586% | 376 |
| Net loans and leases to deposits | 94.0206% | 836 |
| Net loans and leases to core deposits | 151.1710% | 132 |
| Total domestic deposits to total assets | 86.9582% | 2,681 |
| Equity capital to assets | 10.6302% | 3,537 |
| Core capital (leverage) ratio | 10.3793% | 3,006 |
| Tier 1 risk-based capital ratio | 11.0807% | 6,495 |
| Total risk-based capital ratio | 12.2069% | 6,543 |
| Memoranda: |
| Average total assets | $237,049,000 | 2,676 |
| Average earning assets | $228,212,000 | 2,535 |
| Average equity | $25,706,500 | 2,509 |
| Average total loans | $186,455,250 | 2,184 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0780% | 2,787 |
| Cost of funding earning assets | 1.0177% | 3,833 |
| Net interest margin | 4.0603% | 2,570 |
| Noninterest income to average assets | 0.1941% | 6,278 |
| Noninterest expense to average assets | 3.4455% | 2,134 |
| Loan and lease loss provision to assets | 0.2809% | 3,132 |
| Net operating income to assets | 0.3917% | 4,986 |
| Return on assets (ROA) | 0.3960% | 5,112 |
| Pretax return on assets | 0.3960% | 5,407 |
| Return on Equity (ROE) | 3.6261% | 5,103 |
| Retained earnings to average equity (ytd only) | 3.6261% | 3,923 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6671% | 1,862 |
| Assets per employee ($millions) | 6.1210% | 1,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2506% | 5,301 |
| Loan loss allowance to noncurrent loans | 54.3464% | 4,760 |
| Noncurrent assets plus other real estate owned to assets | 1.7831% | 3,533 |
| Noncurrent loans to loans | 2.3012% | 3,099 |
| Net loans and leases to total assets | 76.5181% | 995 |
| Net loans and leases to deposits | 88.3373% | 1,449 |
| Net loans and leases to core deposits | 124.8412% | 329 |
| Total domestic deposits to total assets | 86.6203% | 2,978 |
| Equity capital to assets | 10.3338% | 3,706 |
| Core capital (leverage) ratio | 10.5656% | 2,648 |
| Tier 1 risk-based capital ratio | 11.4564% | 6,198 |
| Total risk-based capital ratio | 12.5464% | 6,313 |
| Memoranda: |
| Average total assets | $232,828,000 | 2,728 |
| Average earning assets | $225,010,670 | 2,582 |
| Average equity | $25,427,000 | 2,519 |
| Average total loans | $179,674,330 | 2,288 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1062% | 2,618 |
| Cost of funding earning assets | 1.0353% | 3,953 |
| Net interest margin | 4.0709% | 2,387 |
| Noninterest income to average assets | 0.1734% | 6,489 |
| Noninterest expense to average assets | 3.7004% | 1,535 |
| Loan and lease loss provision to assets | 0.2378% | 3,286 |
| Net operating income to assets | 0.1788% | 5,854 |
| Return on assets (ROA) | 0.1877% | 5,884 |
| Pretax return on assets | 0.1877% | 5,969 |
| Return on Equity (ROE) | 1.6684% | 5,922 |
| Retained earnings to average equity (ytd only) | 1.6684% | 5,119 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8828% | 1,340 |
| Assets per employee ($millions) | 6.6715% | 855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2494% | 5,398 |
| Loan loss allowance to noncurrent loans | 44.4577% | 5,335 |
| Noncurrent assets plus other real estate owned to assets | 2.0960% | 3,200 |
| Noncurrent loans to loans | 2.8102% | 2,686 |
| Net loans and leases to total assets | 73.6519% | 1,399 |
| Net loans and leases to deposits | 84.7712% | 1,913 |
| Net loans and leases to core deposits | 143.0528% | 179 |
| Total domestic deposits to total assets | 86.8832% | 3,006 |
| Equity capital to assets | 10.5491% | 3,130 |
| Core capital (leverage) ratio | 11.2404% | 2,010 |
| Tier 1 risk-based capital ratio | 12.1060% | 5,594 |
| Total risk-based capital ratio | 13.1832% | 5,742 |
| Memoranda: |
| Average total assets | $223,760,500 | 2,839 |
| Average earning assets | $216,758,000 | 2,704 |
| Average equity | $25,173,500 | 2,525 |
| Average total loans | $172,279,500 | 2,405 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3882% | 2,730 |
| Cost of funding earning assets | 1.1747% | 4,703 |
| Net interest margin | 4.2135% | 2,133 |
| Noninterest income to average assets | 0.1929% | 6,388 |
| Noninterest expense to average assets | 3.5370% | 2,079 |
| Loan and lease loss provision to assets | 0.5544% | 2,916 |
| Net operating income to assets | 0.3391% | 4,794 |
| Return on assets (ROA) | 0.4771% | 4,362 |
| Pretax return on assets | 0.2990% | 5,231 |
| Return on Equity (ROE) | 3.8832% | 4,581 |
| Retained earnings to average equity (ytd only) | 3.8832% | 3,152 |
| Net charge-offs to loans | 0.5292% | 3,507 |
| Credit loss provision to net charge-offs | 131.2849% | 3,015 |
| Earnings coverage of net charge-offs (x) | 1.6941% | 4,458 |
| Efficiency ratio | 83.1761% | 2,033 |
| Assets per employee ($millions) | 6.0985% | 1,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2724% | 5,148 |
| Loan loss allowance to noncurrent loans | 53.6990% | 4,807 |
| Noncurrent assets plus other real estate owned to assets | 1.8905% | 3,497 |
| Noncurrent loans to loans | 2.3696% | 3,151 |
| Net loans and leases to total assets | 78.7681% | 842 |
| Net loans and leases to deposits | 92.6251% | 1,189 |
| Net loans and leases to core deposits | 160.6618% | 139 |
| Total domestic deposits to total assets | 85.0396% | 3,831 |
| Equity capital to assets | 12.0623% | 1,881 |
| Core capital (leverage) ratio | 12.4327% | 1,338 |
| Tier 1 risk-based capital ratio | 13.0687% | 4,548 |
| Total risk-based capital ratio | 14.1774% | 4,633 |
| Memoranda: |
| Average total assets | $169,552,400 | 3,546 |
| Average earning assets | $163,357,600 | 3,388 |
| Average equity | $20,833,200 | 3,032 |
| Average total loans | $135,303,200 | 3,027 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3566% | 3,089 |
| Cost of funding earning assets | 1.2181% | 4,757 |
| Net interest margin | 4.1385% | 2,453 |
| Noninterest income to average assets | 0.1774% | 6,611 |
| Noninterest expense to average assets | 3.6059% | 1,779 |
| Loan and lease loss provision to assets | 0.5172% | 2,873 |
| Net operating income to assets | 0.0325% | 5,922 |
| Return on assets (ROA) | 0.1549% | 5,784 |
| Pretax return on assets | 0.1549% | 5,824 |
| Return on Equity (ROE) | 1.2532% | 5,834 |
| Retained earnings to average equity (ytd only) | 1.2532% | 5,309 |
| Net charge-offs to loans | 0.1774% | 4,892 |
| Credit loss provision to net charge-offs | 365.2941% | 848 |
| Earnings coverage of net charge-offs (x) | 3.8824% | 3,267 |
| Efficiency ratio | 86.7735% | 1,552 |
| Assets per employee ($millions) | 5.5971% | 1,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5206% | 3,865 |
| Loan loss allowance to noncurrent loans | 75.8868% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 1.7157% | 3,869 |
| Noncurrent loans to loans | 2.0038% | 3,671 |
| Net loans and leases to total assets | 84.3233% | 314 |
| Net loans and leases to deposits | 102.9116% | 484 |
| Net loans and leases to core deposits | 142.9725% | 231 |
| Total domestic deposits to total assets | 81.9376% | 5,021 |
| Equity capital to assets | 13.6952% | 1,279 |
| Core capital (leverage) ratio | 14.1199% | 896 |
| Tier 1 risk-based capital ratio | 14.1509% | 3,722 |
| Total risk-based capital ratio | 15.4022% | 3,694 |
| Memoranda: |
| Average total assets | $160,103,500 | 3,750 |
| Average earning assets | $153,899,250 | 3,626 |
| Average equity | $19,788,750 | 3,216 |
| Average total loans | $127,771,750 | 3,205 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3238% | 3,353 |
| Cost of funding earning assets | 1.2738% | 4,695 |
| Net interest margin | 4.0501% | 2,790 |
| Noninterest income to average assets | 0.1236% | 6,980 |
| Noninterest expense to average assets | 3.7290% | 1,500 |
| Loan and lease loss provision to assets | 0.3265% | 3,788 |
| Net operating income to assets | -0.0403% | 6,133 |
| Return on assets (ROA) | 0.0845% | 6,013 |
| Pretax return on assets | 0.0845% | 6,007 |
| Return on Equity (ROE) | 0.7139% | 6,025 |
| Retained earnings to average equity (ytd only) | 0.7139% | 5,477 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8733% | 1,133 |
| Assets per employee ($millions) | 5.6424% | 1,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6648% | 3,210 |
| Loan loss allowance to noncurrent loans | 59.9045% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 2.1025% | 3,374 |
| Noncurrent loans to loans | 2.7791% | 2,882 |
| Net loans and leases to total assets | 74.3945% | 1,829 |
| Net loans and leases to deposits | 86.7375% | 2,388 |
| Net loans and leases to core deposits | 127.0765% | 484 |
| Total domestic deposits to total assets | 85.7696% | 3,221 |
| Equity capital to assets | 10.8518% | 3,022 |
| Core capital (leverage) ratio | 11.4222% | 1,959 |
| Tier 1 risk-based capital ratio | 12.2275% | 5,098 |
| Total risk-based capital ratio | 13.4795% | 5,069 |
| Memoranda: |
| Average total assets | $153,769,000 | 3,888 |
| Average earning assets | $147,751,000 | 3,747 |
| Average equity | $18,208,670 | 3,431 |
| Average total loans | $119,242,000 | 3,415 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3725% | 3,180 |
| Cost of funding earning assets | 1.3117% | 4,742 |
| Net interest margin | 4.0608% | 2,607 |
| Noninterest income to average assets | 0.0959% | 7,225 |
| Noninterest expense to average assets | 3.7804% | 1,354 |
| Loan and lease loss provision to assets | 0.4191% | 2,859 |
| Net operating income to assets | -0.2109% | 6,554 |
| Return on assets (ROA) | 0.0520% | 6,262 |
| Pretax return on assets | 0.0520% | 6,249 |
| Return on Equity (ROE) | 0.4192% | 6,301 |
| Retained earnings to average equity (ytd only) | 0.4192% | 5,668 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7802% | 1,093 |
| Assets per employee ($millions) | 4.8419% | 2,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6686% | 3,178 |
| Loan loss allowance to noncurrent loans | 58.7352% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 2.3071% | 3,140 |
| Noncurrent loans to loans | 2.8408% | 2,830 |
| Net loans and leases to total assets | 79.8581% | 861 |
| Net loans and leases to deposits | 95.0888% | 1,220 |
| Net loans and leases to core deposits | 145.4644% | 274 |
| Total domestic deposits to total assets | 83.9827% | 4,154 |
| Equity capital to assets | 12.1046% | 1,985 |
| Core capital (leverage) ratio | 12.3570% | 1,468 |
| Tier 1 risk-based capital ratio | 13.0360% | 4,307 |
| Total risk-based capital ratio | 14.2888% | 4,277 |
| Memoranda: |
| Average total assets | $146,017,500 | 4,095 |
| Average earning assets | $139,972,000 | 3,964 |
| Average equity | $18,128,500 | 3,460 |
| Average total loans | $114,832,500 | 3,578 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2715% | 5,319 |
| Cost of funding earning assets | 1.6176% | 4,951 |
| Net interest margin | 3.6538% | 4,338 |
| Noninterest income to average assets | 0.1136% | 7,190 |
| Noninterest expense to average assets | 4.0691% | 1,275 |
| Loan and lease loss provision to assets | 1.0013% | 2,268 |
| Net operating income to assets | -1.4763% | 6,841 |
| Return on assets (ROA) | -1.2972% | 6,764 |
| Pretax return on assets | -1.2972% | 6,593 |
| Return on Equity (ROE) | -8.2876% | 6,492 |
| Retained earnings to average equity (ytd only) | -8.2876% | 6,377 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.2149% | 734 |
| Assets per employee ($millions) | 4.7312% | 2,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7455% | 2,730 |
| Loan loss allowance to noncurrent loans | 1,106.4706% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.1198% | 7,184 |
| Noncurrent loans to loans | 0.1578% | 7,033 |
| Net loans and leases to total assets | 74.5996% | 2,122 |
| Net loans and leases to deposits | 89.6964% | 2,261 |
| Net loans and leases to core deposits | 163.3594% | 307 |
| Total domestic deposits to total assets | 83.1691% | 4,439 |
| Equity capital to assets | 12.7439% | 1,619 |
| Core capital (leverage) ratio | 13.0379% | 1,239 |
| Tier 1 risk-based capital ratio | 13.6040% | 3,757 |
| Total risk-based capital ratio | 14.8560% | 3,690 |
| Memoranda: |
| Average total assets | $120,640,200 | 4,544 |
| Average earning assets | $114,920,600 | 4,423 |
| Average equity | $18,883,600 | 3,359 |
| Average total loans | $82,801,400 | 4,421 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1739% | 5,993 |
| Cost of funding earning assets | 1.6715% | 5,055 |
| Net interest margin | 3.5024% | 4,854 |
| Noninterest income to average assets | 0.1110% | 7,345 |
| Noninterest expense to average assets | 4.2745% | 941 |
| Loan and lease loss provision to assets | 0.6787% | 2,705 |
| Net operating income to assets | -1.5135% | 7,122 |
| Return on assets (ROA) | -1.3400% | 7,030 |
| Pretax return on assets | -1.3400% | 6,881 |
| Return on Equity (ROE) | -8.0979% | 6,741 |
| Retained earnings to average equity (ytd only) | -8.0979% | 6,614 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.2689% | 540 |
| Assets per employee ($millions) | 4.7295% | 2,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2899% | 4,570 |
| Loan loss allowance to noncurrent loans | 342.3913% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.2779% | 6,807 |
| Noncurrent loans to loans | 0.3767% | 6,596 |
| Net loans and leases to total assets | 72.8140% | 2,844 |
| Net loans and leases to deposits | 85.6052% | 3,398 |
| Net loans and leases to core deposits | 144.7221% | 737 |
| Total domestic deposits to total assets | 85.0580% | 3,208 |
| Equity capital to assets | 14.1038% | 1,274 |
| Core capital (leverage) ratio | 14.2432% | 1,023 |
| Tier 1 risk-based capital ratio | 16.9415% | 2,294 |
| Total risk-based capital ratio | 18.1040% | 2,271 |
| Memoranda: |
| Average total assets | $115,316,500 | 4,710 |
| Average earning assets | $109,598,250 | 4,606 |
| Average equity | $19,082,500 | 3,361 |
| Average total loans | $76,560,750 | 4,670 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0406% | 6,649 |
| Cost of funding earning assets | 1.6673% | 5,439 |
| Net interest margin | 3.3733% | 5,272 |
| Noninterest income to average assets | 0.1040% | 7,458 |
| Noninterest expense to average assets | 4.5560% | 736 |
| Loan and lease loss provision to assets | 0.4945% | 3,064 |
| Net operating income to assets | -1.7607% | 7,348 |
| Return on assets (ROA) | -1.5345% | 7,267 |
| Pretax return on assets | -1.5345% | 7,102 |
| Return on Equity (ROE) | -8.7524% | 6,951 |
| Retained earnings to average equity (ytd only) | -8.7524% | 6,746 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 138.4914% | 446 |
| Assets per employee ($millions) | 4.5852% | 2,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1616% | 5,182 |
| Loan loss allowance to noncurrent loans | 536.9318% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.1422% | 7,209 |
| Noncurrent loans to loans | 0.2163% | 6,971 |
| Net loans and leases to total assets | 64.9475% | 4,772 |
| Net loans and leases to deposits | 77.2427% | 4,987 |
| Net loans and leases to core deposits | 122.5611% | 2,149 |
| Total domestic deposits to total assets | 84.0824% | 3,719 |
| Equity capital to assets | 15.1099% | 1,010 |
| Core capital (leverage) ratio | 16.5556% | 667 |
| Tier 1 risk-based capital ratio | 20.2044% | 1,536 |
| Total risk-based capital ratio | 21.2278% | 1,546 |
| Memoranda: |
| Average total assets | $109,613,670 | 4,891 |
| Average earning assets | $103,519,670 | 4,803 |
| Average equity | $19,217,670 | 3,364 |
| Average total loans | $69,519,670 | 4,979 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9206% | 7,123 |
| Cost of funding earning assets | 1.6853% | 5,662 |
| Net interest margin | 3.2353% | 5,737 |
| Noninterest income to average assets | 0.1014% | 7,532 |
| Noninterest expense to average assets | 4.6469% | 623 |
| Loan and lease loss provision to assets | 0.4487% | 2,678 |
| Net operating income to assets | -1.9157% | 7,634 |
| Return on assets (ROA) | -1.8962% | 7,633 |
| Pretax return on assets | -1.8962% | 7,503 |
| Return on Equity (ROE) | -9.9828% | 7,363 |
| Retained earnings to average equity (ytd only) | -9.9828% | 7,107 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 146.1350% | 378 |
| Assets per employee ($millions) | 3.9393% | 3,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1406% | 5,181 |
| Loan loss allowance to noncurrent loans | 440.7821% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.1748% | 7,013 |
| Noncurrent loans to loans | 0.2588% | 6,790 |
| Net loans and leases to total assets | 66.7679% | 4,393 |
| Net loans and leases to deposits | 83.3009% | 4,092 |
| Net loans and leases to core deposits | 131.5830% | 1,564 |
| Total domestic deposits to total assets | 80.1527% | 5,309 |
| Equity capital to assets | 18.8700% | 509 |
| Core capital (leverage) ratio | 17.7750% | 582 |
| Tier 1 risk-based capital ratio | 22.4247% | 1,253 |
| Total risk-based capital ratio | 23.3568% | 1,258 |
| Memoranda: |
| Average total assets | $102,520,500 | 5,112 |
| Average earning assets | $97,549,000 | 4,987 |
| Average equity | $19,473,500 | 3,348 |
| Average total loans | $63,604,500 | 5,226 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6981% | 7,979 |
| Cost of funding earning assets | 1.7543% | 7,127 |
| Net interest margin | 2.9438% | 7,048 |
| Noninterest income to average assets | 0.3056% | 6,266 |
| Noninterest expense to average assets | 7.6326% | 244 |
| Loan and lease loss provision to assets | 1.1117% | 1,304 |
| Net operating income to assets | -5.7081% | 8,132 |
| Return on assets (ROA) | -5.7081% | 8,124 |
| Pretax return on assets | -5.7081% | 8,081 |
| Return on Equity (ROE) | -15.9531% | 7,626 |
| Retained earnings to average equity (ytd only) | -15.9531% | 7,517 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 251.3827% | 138 |
| Assets per employee ($millions) | 4.1048% | 3,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1614% | 4,835 |
| Loan loss allowance to noncurrent loans | 370.3297% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.1774% | 6,854 |
| Noncurrent loans to loans | 0.3136% | 6,435 |
| Net loans and leases to total assets | 55.8971% | 6,451 |
| Net loans and leases to deposits | 69.8264% | 6,288 |
| Net loans and leases to core deposits | 91.1737% | 5,703 |
| Total domestic deposits to total assets | 80.0515% | 5,001 |
| Equity capital to assets | 19.1193% | 532 |
| Core capital (leverage) ratio | 21.2448% | 360 |
| Tier 1 risk-based capital ratio | 26.5983% | 856 |
| Total risk-based capital ratio | 27.5193% | 861 |
| Memoranda: |
| Average total assets | $59,547,000 | 6,398 |
| Average earning assets | $55,234,800 | 6,360 |
| Average equity | $21,306,200 | 3,065 |
| Average total loans | $26,335,200 | 6,945 |
