| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0303% | 2,018 |
| Cost of funding earning assets | 2.3283% | 520 |
| Net interest margin | 2.7019% | 3,818 |
| Noninterest income to average assets | 0.7300% | 1,109 |
| Noninterest expense to average assets | 2.3391% | 2,746 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.9042% | 2,538 |
| Return on assets (ROA) | 0.9106% | 2,482 |
| Pretax return on assets | 0.9188% | 2,911 |
| Return on Equity (ROE) | 10.1100% | 2,471 |
| Retained earnings to average equity (ytd only) | 10.1108% | 993 |
| Net charge-offs to loans | 0.0069% | 2,419 |
| Credit loss provision to net charge-offs | 2,425.0000% | 197 |
| Earnings coverage of net charge-offs (x) | 172.2931% | 648 |
| Efficiency ratio | 70.3062% | 1,836 |
| Assets per employee ($millions) | 7.5272% | 1,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9939% | 3,350 |
| Loan loss allowance to noncurrent loans | 472.4120% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.1729% | 2,375 |
| Noncurrent loans to loans | 0.2104% | 2,469 |
| Net loans and leases to total assets | 81.3600% | 489 |
| Net loans and leases to deposits | 90.1589% | 1,247 |
| Net loans and leases to core deposits | 135.6350% | 325 |
| Total domestic deposits to total assets | 90.2400% | 700 |
| Equity capital to assets | 9.0162% | 2,666 |
| Core capital (leverage) ratio | 9.5149% | 3,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1430% | 2,538 |
| Memoranda: |
| Average total assets | $2,023,034,200 | 565 |
| Average earning assets | $1,940,834,600 | 540 |
| Average equity | $182,192,000 | 583 |
| Average total loans | $1,678,101,800 | 475 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8631% | 2,141 |
| Cost of funding earning assets | 2.1867% | 508 |
| Net interest margin | 2.6764% | 3,909 |
| Noninterest income to average assets | 0.7300% | 1,090 |
| Noninterest expense to average assets | 2.3705% | 2,593 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 0.8094% | 2,997 |
| Return on assets (ROA) | 0.8141% | 2,969 |
| Pretax return on assets | 0.8259% | 3,274 |
| Return on Equity (ROE) | 9.0400% | 2,916 |
| Retained earnings to average equity (ytd only) | 9.0422% | 1,673 |
| Net charge-offs to loans | 0.0111% | 1,987 |
| Credit loss provision to net charge-offs | 1,902.1739% | 248 |
| Earnings coverage of net charge-offs (x) | 100.1522% | 915 |
| Efficiency ratio | 71.8777% | 1,585 |
| Assets per employee ($millions) | 7.2721% | 1,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9948% | 3,404 |
| Loan loss allowance to noncurrent loans | 463.1022% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.1791% | 2,389 |
| Noncurrent loans to loans | 0.2148% | 2,490 |
| Net loans and leases to total assets | 82.5700% | 391 |
| Net loans and leases to deposits | 91.2441% | 1,122 |
| Net loans and leases to core deposits | 136.5496% | 260 |
| Total domestic deposits to total assets | 90.4900% | 813 |
| Equity capital to assets | 8.7884% | 2,544 |
| Core capital (leverage) ratio | 9.5641% | 3,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9005% | 2,636 |
| Memoranda: |
| Average total assets | $1,986,836,250 | 577 |
| Average earning assets | $1,906,144,000 | 548 |
| Average equity | $178,876,000 | 589 |
| Average total loans | $1,652,264,250 | 482 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7174% | 2,174 |
| Cost of funding earning assets | 2.0090% | 486 |
| Net interest margin | 2.7084% | 3,959 |
| Noninterest income to average assets | 0.7800% | 903 |
| Noninterest expense to average assets | 2.4384% | 2,380 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 0.7759% | 3,151 |
| Return on assets (ROA) | 0.7820% | 3,151 |
| Pretax return on assets | 0.8021% | 3,394 |
| Return on Equity (ROE) | 8.6100% | 3,083 |
| Retained earnings to average equity (ytd only) | 8.6113% | 1,787 |
| Net charge-offs to loans | 0.0207% | 1,478 |
| Credit loss provision to net charge-offs | 1,306.5868% | 340 |
| Earnings coverage of net charge-offs (x) | 54.7904% | 1,238 |
| Efficiency ratio | 72.1690% | 1,534 |
| Assets per employee ($millions) | 6.4248% | 2,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9947% | 3,443 |
| Loan loss allowance to noncurrent loans | 440.8079% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.1948% | 2,219 |
| Noncurrent loans to loans | 0.2256% | 2,360 |
| Net loans and leases to total assets | 82.9400% | 334 |
| Net loans and leases to deposits | 91.6984% | 1,046 |
| Net loans and leases to core deposits | 130.2844% | 321 |
| Total domestic deposits to total assets | 90.4500% | 798 |
| Equity capital to assets | 8.8803% | 2,600 |
| Core capital (leverage) ratio | 9.4683% | 3,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8583% | 2,668 |
| Memoranda: |
| Average total assets | $1,946,147,333 | 573 |
| Average earning assets | $1,867,877,667 | 548 |
| Average equity | $176,722,000 | 586 |
| Average total loans | $1,616,754,000 | 478 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5026% | 2,309 |
| Cost of funding earning assets | 1.7544% | 491 |
| Net interest margin | 2.7482% | 4,012 |
| Noninterest income to average assets | 0.7700% | 918 |
| Noninterest expense to average assets | 2.4811% | 2,294 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.8685% | 2,965 |
| Return on assets (ROA) | 0.8748% | 2,893 |
| Pretax return on assets | 0.8880% | 3,274 |
| Return on Equity (ROE) | 9.5200% | 2,919 |
| Retained earnings to average equity (ytd only) | 9.5201% | 1,813 |
| Net charge-offs to loans | 0.0357% | 1,018 |
| Credit loss provision to net charge-offs | 304.2857% | 687 |
| Earnings coverage of net charge-offs (x) | 30.9857% | 1,292 |
| Efficiency ratio | 73.0710% | 1,426 |
| Assets per employee ($millions) | 6.7415% | 2,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9460% | 3,729 |
| Loan loss allowance to noncurrent loans | 1,851.6949% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.0596% | 3,188 |
| Noncurrent loans to loans | 0.0511% | 3,377 |
| Net loans and leases to total assets | 81.0800% | 449 |
| Net loans and leases to deposits | 89.8083% | 1,070 |
| Net loans and leases to core deposits | 122.6897% | 386 |
| Total domestic deposits to total assets | 90.2800% | 1,054 |
| Equity capital to assets | 9.0522% | 2,477 |
| Core capital (leverage) ratio | 10.1602% | 2,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1012% | 2,702 |
| Memoranda: |
| Average total assets | $1,897,682,500 | 601 |
| Average earning assets | $1,815,561,000 | 575 |
| Average equity | $174,367,500 | 605 |
| Average total loans | $1,569,366,500 | 500 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4079% | 3,324 |
| Cost of funding earning assets | 0.5888% | 944 |
| Net interest margin | 2.8191% | 3,848 |
| Noninterest income to average assets | 0.9000% | 783 |
| Noninterest expense to average assets | 2.5112% | 2,077 |
| Loan and lease loss provision to assets | 0.3000% | 278 |
| Net operating income to assets | 0.7644% | 3,441 |
| Return on assets (ROA) | 0.7613% | 3,391 |
| Pretax return on assets | 0.7744% | 3,684 |
| Return on Equity (ROE) | 9.2100% | 3,064 |
| Retained earnings to average equity (ytd only) | 9.2064% | 1,418 |
| Net charge-offs to loans | 0.0649% | 1,000 |
| Credit loss provision to net charge-offs | 686.7188% | 549 |
| Earnings coverage of net charge-offs (x) | 24.3997% | 1,795 |
| Efficiency ratio | 69.8851% | 1,700 |
| Assets per employee ($millions) | 6.5471% | 2,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9491% | 3,603 |
| Loan loss allowance to noncurrent loans | 1,590.8590% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.0563% | 3,245 |
| Noncurrent loans to loans | 0.0597% | 3,325 |
| Net loans and leases to total assets | 82.8200% | 340 |
| Net loans and leases to deposits | 94.5691% | 745 |
| Net loans and leases to core deposits | 105.7549% | 757 |
| Total domestic deposits to total assets | 87.5800% | 2,206 |
| Equity capital to assets | 9.3363% | 2,122 |
| Core capital (leverage) ratio | 10.4476% | 2,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1927% | 2,677 |
| Memoranda: |
| Average total assets | $1,731,714,000 | 626 |
| Average earning assets | $1,653,639,400 | 601 |
| Average equity | $143,194,600 | 703 |
| Average total loans | $1,183,759,800 | 589 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1051% | 3,668 |
| Cost of funding earning assets | 0.3947% | 1,326 |
| Net interest margin | 2.7104% | 3,907 |
| Noninterest income to average assets | 0.9800% | 698 |
| Noninterest expense to average assets | 2.5019% | 2,010 |
| Loan and lease loss provision to assets | 0.2900% | 248 |
| Net operating income to assets | 0.7584% | 3,391 |
| Return on assets (ROA) | 0.7547% | 3,356 |
| Pretax return on assets | 0.7714% | 3,649 |
| Return on Equity (ROE) | 9.4500% | 2,889 |
| Retained earnings to average equity (ytd only) | 9.4515% | 1,499 |
| Net charge-offs to loans | 0.0093% | 1,779 |
| Credit loss provision to net charge-offs | 4,805.1948% | 114 |
| Earnings coverage of net charge-offs (x) | 177.1299% | 671 |
| Efficiency ratio | 70.1684% | 1,738 |
| Assets per employee ($millions) | 5.9886% | 2,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0587% | 3,210 |
| Loan loss allowance to noncurrent loans | 434.9262% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.2746% | 1,850 |
| Noncurrent loans to loans | 0.2434% | 2,408 |
| Net loans and leases to total assets | 73.9900% | 1,095 |
| Net loans and leases to deposits | 81.6654% | 1,470 |
| Net loans and leases to core deposits | 93.0172% | 1,143 |
| Total domestic deposits to total assets | 90.6100% | 1,401 |
| Equity capital to assets | 8.8060% | 2,345 |
| Core capital (leverage) ratio | 9.4234% | 3,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9364% | 2,499 |
| Memoranda: |
| Average total assets | $1,709,619,000 | 638 |
| Average earning assets | $1,633,281,250 | 613 |
| Average equity | $136,511,000 | 732 |
| Average total loans | $1,099,221,250 | 624 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8040% | 3,968 |
| Cost of funding earning assets | 0.3388% | 1,377 |
| Net interest margin | 2.4652% | 4,139 |
| Noninterest income to average assets | 0.9032% | 844 |
| Noninterest expense to average assets | 2.3954% | 2,236 |
| Loan and lease loss provision to assets | 0.2288% | 337 |
| Net operating income to assets | 0.6148% | 3,590 |
| Return on assets (ROA) | 0.6087% | 3,548 |
| Pretax return on assets | 0.6299% | 3,749 |
| Return on Equity (ROE) | 7.8943% | 3,047 |
| Retained earnings to average equity (ytd only) | 7.8943% | 1,660 |
| Net charge-offs to loans | -0.0004% | 2,978 |
| Credit loss provision to net charge-offs | -97,750.0000% | 3,922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4688% | 1,574 |
| Assets per employee ($millions) | 6.0393% | 2,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0464% | 3,399 |
| Loan loss allowance to noncurrent loans | 405.1431% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.2555% | 2,039 |
| Noncurrent loans to loans | 0.2583% | 2,443 |
| Net loans and leases to total assets | 63.5683% | 1,956 |
| Net loans and leases to deposits | 69.1475% | 2,292 |
| Net loans and leases to core deposits | 82.4563% | 1,563 |
| Total domestic deposits to total assets | 91.9315% | 863 |
| Equity capital to assets | 7.5256% | 3,457 |
| Core capital (leverage) ratio | 8.3321% | 4,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6313% | 2,642 |
| Memoranda: |
| Average total assets | $1,708,582,333 | 633 |
| Average earning assets | $1,633,807,000 | 611 |
| Average equity | $131,740,333 | 760 |
| Average total loans | $1,038,670,667 | 649 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6735% | 3,993 |
| Cost of funding earning assets | 0.3217% | 1,446 |
| Net interest margin | 2.3518% | 4,147 |
| Noninterest income to average assets | 0.8355% | 962 |
| Noninterest expense to average assets | 2.4265% | 2,084 |
| Loan and lease loss provision to assets | 0.0262% | 1,894 |
| Net operating income to assets | 0.5842% | 3,449 |
| Return on assets (ROA) | 0.5806% | 3,439 |
| Pretax return on assets | 0.6286% | 3,557 |
| Return on Equity (ROE) | 7.4366% | 2,894 |
| Retained earnings to average equity (ytd only) | 7.4366% | 1,751 |
| Net charge-offs to loans | 0.0008% | 1,815 |
| Credit loss provision to net charge-offs | 5,500.0000% | 87 |
| Earnings coverage of net charge-offs (x) | 1,381.5000% | 57 |
| Efficiency ratio | 78.6526% | 1,260 |
| Assets per employee ($millions) | 6.1954% | 2,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0081% | 3,688 |
| Loan loss allowance to noncurrent loans | 421.8304% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.2345% | 2,237 |
| Noncurrent loans to loans | 0.2390% | 2,639 |
| Net loans and leases to total assets | 58.3353% | 2,261 |
| Net loans and leases to deposits | 63.6390% | 2,562 |
| Net loans and leases to core deposits | 73.2655% | 2,000 |
| Total domestic deposits to total assets | 91.6660% | 715 |
| Equity capital to assets | 7.7602% | 3,760 |
| Core capital (leverage) ratio | 8.2359% | 4,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6552% | 2,361 |
| Memoranda: |
| Average total assets | $1,678,119,500 | 649 |
| Average earning assets | $1,605,214,500 | 621 |
| Average equity | $131,027,500 | 783 |
| Average total loans | $989,635,500 | 673 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8535% | 4,129 |
| Cost of funding earning assets | 0.3386% | 2,036 |
| Net interest margin | 2.5150% | 4,170 |
| Noninterest income to average assets | 1.1896% | 749 |
| Noninterest expense to average assets | 2.5516% | 2,020 |
| Loan and lease loss provision to assets | 0.0546% | 1,960 |
| Net operating income to assets | 0.9405% | 2,906 |
| Return on assets (ROA) | 0.9471% | 2,951 |
| Pretax return on assets | 0.9934% | 3,274 |
| Return on Equity (ROE) | 11.8008% | 1,878 |
| Retained earnings to average equity (ytd only) | 11.8008% | 559 |
| Net charge-offs to loans | 0.0997% | 857 |
| Credit loss provision to net charge-offs | 89.5397% | 1,885 |
| Earnings coverage of net charge-offs (x) | 17.0628% | 1,955 |
| Efficiency ratio | 71.0236% | 1,614 |
| Assets per employee ($millions) | 6.2123% | 2,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0114% | 3,698 |
| Loan loss allowance to noncurrent loans | 315.0919% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.2846% | 2,120 |
| Noncurrent loans to loans | 0.3210% | 2,443 |
| Net loans and leases to total assets | 58.4202% | 2,329 |
| Net loans and leases to deposits | 63.6867% | 2,711 |
| Net loans and leases to core deposits | 73.8712% | 2,088 |
| Total domestic deposits to total assets | 91.7306% | 259 |
| Equity capital to assets | 7.8565% | 4,443 |
| Core capital (leverage) ratio | 7.6625% | 4,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3419% | 2,513 |
| Memoranda: |
| Average total assets | $1,566,951,400 | 660 |
| Average earning assets | $1,497,188,000 | 641 |
| Average equity | $125,763,000 | 824 |
| Average total loans | $959,327,200 | 681 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9243% | 4,126 |
| Cost of funding earning assets | 0.3339% | 2,260 |
| Net interest margin | 2.5905% | 4,144 |
| Noninterest income to average assets | 1.2284% | 759 |
| Noninterest expense to average assets | 2.6221% | 1,780 |
| Loan and lease loss provision to assets | 0.0025% | 2,917 |
| Net operating income to assets | 1.0668% | 2,666 |
| Return on assets (ROA) | 1.0737% | 2,702 |
| Pretax return on assets | 1.0840% | 3,233 |
| Return on Equity (ROE) | 13.3016% | 1,617 |
| Retained earnings to average equity (ytd only) | 13.3016% | 594 |
| Net charge-offs to loans | 0.1335% | 606 |
| Credit loss provision to net charge-offs | 3.0366% | 2,042 |
| Earnings coverage of net charge-offs (x) | 13.0775% | 1,936 |
| Efficiency ratio | 70.8364% | 1,511 |
| Assets per employee ($millions) | 5.9251% | 2,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9984% | 3,853 |
| Loan loss allowance to noncurrent loans | 170.2859% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.3284% | 2,140 |
| Noncurrent loans to loans | 0.5863% | 1,845 |
| Net loans and leases to total assets | 55.4531% | 2,798 |
| Net loans and leases to deposits | 60.5435% | 3,185 |
| Net loans and leases to core deposits | 71.3423% | 2,486 |
| Total domestic deposits to total assets | 91.5923% | 215 |
| Equity capital to assets | 8.0222% | 4,513 |
| Core capital (leverage) ratio | 7.9939% | 4,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8804% | 2,404 |
| Memoranda: |
| Average total assets | $1,542,462,750 | 679 |
| Average earning assets | $1,472,706,000 | 657 |
| Average equity | $124,502,750 | 846 |
| Average total loans | $953,514,250 | 704 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9549% | 4,131 |
| Cost of funding earning assets | 0.3325% | 2,469 |
| Net interest margin | 2.6223% | 4,127 |
| Noninterest income to average assets | 1.3739% | 625 |
| Noninterest expense to average assets | 2.7371% | 1,487 |
| Loan and lease loss provision to assets | 0.0144% | 2,664 |
| Net operating income to assets | 1.1144% | 2,489 |
| Return on assets (ROA) | 1.1211% | 2,534 |
| Pretax return on assets | 1.1312% | 3,111 |
| Return on Equity (ROE) | 13.8590% | 1,454 |
| Retained earnings to average equity (ytd only) | 13.8590% | 567 |
| Net charge-offs to loans | -0.0136% | 3,808 |
| Credit loss provision to net charge-offs | -165.1515% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6181% | 1,569 |
| Assets per employee ($millions) | 5.0642% | 3,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0922% | 3,456 |
| Loan loss allowance to noncurrent loans | 136.0645% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 0.4908% | 1,705 |
| Noncurrent loans to loans | 0.8027% | 1,523 |
| Net loans and leases to total assets | 60.4734% | 2,366 |
| Net loans and leases to deposits | 66.2374% | 2,803 |
| Net loans and leases to core deposits | 75.7267% | 2,264 |
| Total domestic deposits to total assets | 91.2980% | 284 |
| Equity capital to assets | 8.2812% | 4,366 |
| Core capital (leverage) ratio | 7.9905% | 4,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9752% | 2,375 |
| Memoranda: |
| Average total assets | $1,513,484,000 | 684 |
| Average earning assets | $1,444,053,667 | 661 |
| Average equity | $122,432,667 | 852 |
| Average total loans | $967,130,667 | 696 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0366% | 4,010 |
| Cost of funding earning assets | 0.3330% | 2,682 |
| Net interest margin | 2.7036% | 3,958 |
| Noninterest income to average assets | 1.4257% | 656 |
| Noninterest expense to average assets | 2.7876% | 1,395 |
| Loan and lease loss provision to assets | 0.0189% | 2,533 |
| Net operating income to assets | 1.1883% | 2,194 |
| Return on assets (ROA) | 1.2012% | 2,219 |
| Pretax return on assets | 1.2099% | 2,824 |
| Return on Equity (ROE) | 15.0295% | 1,206 |
| Retained earnings to average equity (ytd only) | 15.0295% | 621 |
| Net charge-offs to loans | -0.0020% | 3,140 |
| Credit loss provision to net charge-offs | -1,420.0000% | 3,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6310% | 1,745 |
| Assets per employee ($millions) | 5.4054% | 3,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0371% | 3,702 |
| Loan loss allowance to noncurrent loans | 167.5779% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.3946% | 2,224 |
| Noncurrent loans to loans | 0.6189% | 2,018 |
| Net loans and leases to total assets | 63.0954% | 2,158 |
| Net loans and leases to deposits | 69.0476% | 2,596 |
| Net loans and leases to core deposits | 78.2170% | 2,163 |
| Total domestic deposits to total assets | 91.3795% | 265 |
| Equity capital to assets | 7.9630% | 4,514 |
| Core capital (leverage) ratio | 7.9364% | 4,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8488% | 2,344 |
| Memoranda: |
| Average total assets | $1,505,534,500 | 675 |
| Average earning assets | $1,435,408,000 | 659 |
| Average equity | $120,323,000 | 859 |
| Average total loans | $983,154,500 | 686 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5357% | 3,952 |
| Cost of funding earning assets | 0.4584% | 3,233 |
| Net interest margin | 3.0773% | 3,685 |
| Noninterest income to average assets | 1.2165% | 756 |
| Noninterest expense to average assets | 2.9398% | 1,571 |
| Loan and lease loss provision to assets | 0.1726% | 2,232 |
| Net operating income to assets | 0.9947% | 2,312 |
| Return on assets (ROA) | 0.9923% | 2,464 |
| Pretax return on assets | 1.0069% | 3,024 |
| Return on Equity (ROE) | 11.8342% | 1,374 |
| Retained earnings to average equity (ytd only) | 11.8342% | 340 |
| Net charge-offs to loans | 0.0229% | 2,592 |
| Credit loss provision to net charge-offs | 1,060.0000% | 753 |
| Earnings coverage of net charge-offs (x) | 72.6000% | 949 |
| Efficiency ratio | 71.3254% | 1,770 |
| Assets per employee ($millions) | 5.4261% | 2,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0131% | 3,818 |
| Loan loss allowance to noncurrent loans | 162.8548% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 0.4179% | 2,329 |
| Noncurrent loans to loans | 0.6221% | 2,138 |
| Net loans and leases to total assets | 66.2215% | 2,072 |
| Net loans and leases to deposits | 72.5578% | 2,635 |
| Net loans and leases to core deposits | 88.2012% | 1,668 |
| Total domestic deposits to total assets | 91.2673% | 164 |
| Equity capital to assets | 8.0221% | 4,698 |
| Core capital (leverage) ratio | 7.8983% | 4,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4487% | 2,473 |
| Memoranda: |
| Average total assets | $1,320,705,400 | 694 |
| Average earning assets | $1,246,826,400 | 679 |
| Average equity | $110,747,200 | 883 |
| Average total loans | $940,894,000 | 684 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6397% | 3,930 |
| Cost of funding earning assets | 0.4856% | 3,321 |
| Net interest margin | 3.1542% | 3,608 |
| Noninterest income to average assets | 1.2615% | 685 |
| Noninterest expense to average assets | 3.0016% | 1,441 |
| Loan and lease loss provision to assets | 0.2183% | 1,838 |
| Net operating income to assets | 0.9986% | 2,344 |
| Return on assets (ROA) | 0.9927% | 2,497 |
| Pretax return on assets | 1.0077% | 3,043 |
| Return on Equity (ROE) | 11.6915% | 1,454 |
| Retained earnings to average equity (ytd only) | 11.6915% | 474 |
| Net charge-offs to loans | 0.0247% | 2,341 |
| Credit loss provision to net charge-offs | 1,218.6047% | 724 |
| Earnings coverage of net charge-offs (x) | 68.7849% | 1,010 |
| Efficiency ratio | 70.9019% | 1,762 |
| Assets per employee ($millions) | 5.0254% | 3,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0146% | 3,638 |
| Loan loss allowance to noncurrent loans | 156.5059% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 0.4619% | 2,336 |
| Noncurrent loans to loans | 0.6483% | 2,169 |
| Net loans and leases to total assets | 67.4332% | 2,328 |
| Net loans and leases to deposits | 73.9829% | 2,958 |
| Net loans and leases to core deposits | 86.6981% | 2,257 |
| Total domestic deposits to total assets | 91.1470% | 142 |
| Equity capital to assets | 8.0420% | 4,697 |
| Core capital (leverage) ratio | 7.9422% | 4,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3447% | 2,477 |
| Memoranda: |
| Average total assets | $1,280,547,750 | 695 |
| Average earning assets | $1,206,545,750 | 681 |
| Average equity | $108,725,500 | 891 |
| Average total loans | $928,366,750 | 684 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8118% | 3,831 |
| Cost of funding earning assets | 0.5435% | 3,274 |
| Net interest margin | 3.2684% | 3,468 |
| Noninterest income to average assets | 1.1550% | 749 |
| Noninterest expense to average assets | 2.9934% | 1,586 |
| Loan and lease loss provision to assets | 0.2371% | 1,783 |
| Net operating income to assets | 0.9841% | 2,386 |
| Return on assets (ROA) | 0.9779% | 2,534 |
| Pretax return on assets | 0.9935% | 3,052 |
| Return on Equity (ROE) | 11.2861% | 1,546 |
| Retained earnings to average equity (ytd only) | 11.2861% | 569 |
| Net charge-offs to loans | 0.0088% | 2,630 |
| Credit loss provision to net charge-offs | 3,645.0000% | 303 |
| Earnings coverage of net charge-offs (x) | 190.1750% | 473 |
| Efficiency ratio | 70.7603% | 1,856 |
| Assets per employee ($millions) | 4.7889% | 3,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9530% | 3,788 |
| Loan loss allowance to noncurrent loans | 136.0266% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 0.5246% | 2,259 |
| Noncurrent loans to loans | 0.7006% | 2,123 |
| Net loans and leases to total assets | 72.2927% | 1,655 |
| Net loans and leases to deposits | 79.5175% | 2,486 |
| Net loans and leases to core deposits | 90.9855% | 1,990 |
| Total domestic deposits to total assets | 90.9142% | 164 |
| Equity capital to assets | 8.2456% | 4,613 |
| Core capital (leverage) ratio | 8.2540% | 4,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6170% | 2,764 |
| Memoranda: |
| Average total assets | $1,229,987,667 | 713 |
| Average earning assets | $1,157,340,667 | 697 |
| Average equity | $106,574,000 | 902 |
| Average total loans | $912,590,333 | 685 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0156% | 3,748 |
| Cost of funding earning assets | 0.6813% | 3,010 |
| Net interest margin | 3.3344% | 3,502 |
| Noninterest income to average assets | 1.0587% | 762 |
| Noninterest expense to average assets | 2.9634% | 1,974 |
| Loan and lease loss provision to assets | 0.3447% | 891 |
| Net operating income to assets | 0.8552% | 2,681 |
| Return on assets (ROA) | 0.8364% | 2,855 |
| Pretax return on assets | 0.8528% | 3,275 |
| Return on Equity (ROE) | 9.3911% | 1,961 |
| Retained earnings to average equity (ytd only) | 9.3911% | 873 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8933% | 2,235 |
| Assets per employee ($millions) | 4.5165% | 3,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9966% | 3,732 |
| Loan loss allowance to noncurrent loans | 134.4709% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 0.5796% | 2,260 |
| Noncurrent loans to loans | 0.7412% | 2,150 |
| Net loans and leases to total assets | 75.4177% | 1,400 |
| Net loans and leases to deposits | 83.2493% | 2,310 |
| Net loans and leases to core deposits | 93.3019% | 2,036 |
| Total domestic deposits to total assets | 90.5926% | 169 |
| Equity capital to assets | 8.8532% | 4,672 |
| Core capital (leverage) ratio | 9.0389% | 4,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2442% | 3,024 |
| Memoranda: |
| Average total assets | $1,169,748,000 | 716 |
| Average earning assets | $1,095,022,500 | 700 |
| Average equity | $104,184,000 | 917 |
| Average total loans | $876,044,000 | 688 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2574% | 3,656 |
| Cost of funding earning assets | 0.8052% | 2,658 |
| Net interest margin | 3.4521% | 3,584 |
| Noninterest income to average assets | 1.2000% | 656 |
| Noninterest expense to average assets | 3.2837% | 1,331 |
| Loan and lease loss provision to assets | 0.1152% | 1,832 |
| Net operating income to assets | 1.0021% | 2,841 |
| Return on assets (ROA) | 1.0407% | 2,787 |
| Pretax return on assets | 1.0603% | 3,297 |
| Return on Equity (ROE) | 11.2643% | 1,787 |
| Retained earnings to average equity (ytd only) | 7.6399% | 1,100 |
| Net charge-offs to loans | 0.3193% | 646 |
| Credit loss provision to net charge-offs | 48.7590% | 3,142 |
| Earnings coverage of net charge-offs (x) | 4.8082% | 3,166 |
| Efficiency ratio | 74.2943% | 1,575 |
| Assets per employee ($millions) | 4.4813% | 3,252 |
| Cash dividends to net income (ytd only)* | 32.1760% | 2,985 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9376% | 3,797 |
| Loan loss allowance to noncurrent loans | 115.3768% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 0.6230% | 2,022 |
| Noncurrent loans to loans | 0.8127% | 1,880 |
| Net loans and leases to total assets | 72.8864% | 1,937 |
| Net loans and leases to deposits | 80.6169% | 2,710 |
| Net loans and leases to core deposits | 94.9221% | 1,988 |
| Total domestic deposits to total assets | 90.4108% | 213 |
| Equity capital to assets | 8.9611% | 4,706 |
| Core capital (leverage) ratio | 8.7258% | 4,711 |
| Tier 1 risk-based capital ratio | 11.5771% | 4,588 |
| Total risk-based capital ratio | 12.4866% | 4,656 |
| Memoranda: |
| Average total assets | $1,057,167,200 | 748 |
| Average earning assets | $986,032,200 | 733 |
| Average equity | $97,671,600 | 916 |
| Average total loans | $782,231,200 | 727 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2698% | 3,752 |
| Cost of funding earning assets | 0.7890% | 2,770 |
| Net interest margin | 3.4807% | 3,631 |
| Noninterest income to average assets | 1.2249% | 608 |
| Noninterest expense to average assets | 3.3852% | 1,123 |
| Loan and lease loss provision to assets | 0.1153% | 1,688 |
| Net operating income to assets | 0.9524% | 3,156 |
| Return on assets (ROA) | 0.9874% | 3,103 |
| Pretax return on assets | 1.0080% | 3,572 |
| Return on Equity (ROE) | 10.5984% | 2,172 |
| Retained earnings to average equity (ytd only) | 5.6915% | 2,512 |
| Net charge-offs to loans | -0.0054% | 4,224 |
| Credit loss provision to net charge-offs | -2,880.6452% | 4,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6857% | 1,362 |
| Assets per employee ($millions) | 4.4227% | 3,312 |
| Cash dividends to net income (ytd only)* | 46.2987% | 1,869 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2313% | 2,327 |
| Loan loss allowance to noncurrent loans | 104.0262% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 0.8473% | 1,620 |
| Noncurrent loans to loans | 1.1836% | 1,327 |
| Net loans and leases to total assets | 68.8954% | 2,641 |
| Net loans and leases to deposits | 75.7968% | 3,314 |
| Net loans and leases to core deposits | 90.8697% | 2,478 |
| Total domestic deposits to total assets | 90.8948% | 113 |
| Equity capital to assets | 8.4820% | 5,010 |
| Core capital (leverage) ratio | 8.7117% | 4,829 |
| Tier 1 risk-based capital ratio | 11.5225% | 4,659 |
| Total risk-based capital ratio | 12.7136% | 4,585 |
| Memoranda: |
| Average total assets | $1,032,416,250 | 761 |
| Average earning assets | $963,334,750 | 748 |
| Average equity | $96,188,000 | 931 |
| Average total loans | $765,122,250 | 745 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3263% | 3,554 |
| Cost of funding earning assets | 0.7380% | 2,956 |
| Net interest margin | 3.5883% | 3,299 |
| Noninterest income to average assets | 1.2712% | 537 |
| Noninterest expense to average assets | 3.5708% | 880 |
| Loan and lease loss provision to assets | 0.1310% | 1,432 |
| Net operating income to assets | 0.8864% | 3,336 |
| Return on assets (ROA) | 0.9158% | 3,282 |
| Pretax return on assets | 0.9384% | 3,749 |
| Return on Equity (ROE) | 9.4871% | 2,643 |
| Retained earnings to average equity (ytd only) | 2.0140% | 4,112 |
| Net charge-offs to loans | -0.0054% | 4,143 |
| Credit loss provision to net charge-offs | -3,215.0000% | 4,443 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4531% | 1,222 |
| Assets per employee ($millions) | 3.5510% | 4,434 |
| Cash dividends to net income (ytd only)* | 78.7717% | 855 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2458% | 2,282 |
| Loan loss allowance to noncurrent loans | 106.0402% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 0.9417% | 1,476 |
| Noncurrent loans to loans | 1.1748% | 1,368 |
| Net loans and leases to total assets | 76.0940% | 1,534 |
| Net loans and leases to deposits | 84.6287% | 2,415 |
| Net loans and leases to core deposits | 94.6557% | 2,188 |
| Total domestic deposits to total assets | 89.9151% | 361 |
| Equity capital to assets | 9.3970% | 4,506 |
| Core capital (leverage) ratio | 9.2141% | 4,442 |
| Tier 1 risk-based capital ratio | 11.5466% | 4,661 |
| Total risk-based capital ratio | 12.7474% | 4,582 |
| Memoranda: |
| Average total assets | $981,464,330 | 795 |
| Average earning assets | $913,290,670 | 784 |
| Average equity | $94,739,000 | 936 |
| Average total loans | $744,570,330 | 765 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3023% | 3,546 |
| Cost of funding earning assets | 0.7158% | 2,969 |
| Net interest margin | 3.5865% | 3,301 |
| Noninterest income to average assets | 1.1458% | 613 |
| Noninterest expense to average assets | 3.5411% | 912 |
| Loan and lease loss provision to assets | 0.0695% | 2,266 |
| Net operating income to assets | 0.8394% | 3,487 |
| Return on assets (ROA) | 0.9025% | 3,273 |
| Pretax return on assets | 0.9239% | 3,681 |
| Return on Equity (ROE) | 9.2179% | 2,702 |
| Retained earnings to average equity (ytd only) | -3.6085% | 4,844 |
| Net charge-offs to loans | -0.0028% | 3,910 |
| Credit loss provision to net charge-offs | -3,320.0000% | 4,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2190% | 1,131 |
| Assets per employee ($millions) | 3.7670% | 4,243 |
| Cash dividends to net income (ytd only)* | 139.1466% | 374 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2938% | 2,117 |
| Loan loss allowance to noncurrent loans | 102.7018% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 0.9421% | 1,492 |
| Noncurrent loans to loans | 1.2598% | 1,306 |
| Net loans and leases to total assets | 71.7720% | 2,205 |
| Net loans and leases to deposits | 79.7526% | 2,867 |
| Net loans and leases to core deposits | 86.5759% | 2,821 |
| Total domestic deposits to total assets | 89.9933% | 446 |
| Equity capital to assets | 9.3313% | 4,401 |
| Core capital (leverage) ratio | 9.5508% | 4,072 |
| Tier 1 risk-based capital ratio | 11.9443% | 4,491 |
| Total risk-based capital ratio | 13.1479% | 4,418 |
| Memoranda: |
| Average total assets | $955,527,500 | 818 |
| Average earning assets | $885,665,500 | 812 |
| Average equity | $93,557,000 | 940 |
| Average total loans | $718,742,000 | 790 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0127% | 3,992 |
| Cost of funding earning assets | 0.4645% | 3,583 |
| Net interest margin | 3.5482% | 3,549 |
| Noninterest income to average assets | 1.3758% | 482 |
| Noninterest expense to average assets | 3.2799% | 1,372 |
| Loan and lease loss provision to assets | 0.1542% | 1,368 |
| Net operating income to assets | 1.2279% | 2,056 |
| Return on assets (ROA) | 1.2403% | 2,002 |
| Pretax return on assets | 1.2543% | 2,679 |
| Return on Equity (ROE) | 13.0686% | 1,315 |
| Retained earnings to average equity (ytd only) | 7.6513% | 1,394 |
| Net charge-offs to loans | 0.0249% | 2,909 |
| Credit loss provision to net charge-offs | 857.0588% | 418 |
| Earnings coverage of net charge-offs (x) | 77.5765% | 874 |
| Efficiency ratio | 70.1447% | 2,153 |
| Assets per employee ($millions) | 3.6654% | 4,375 |
| Cash dividends to net income (ytd only)* | 41.4526% | 2,441 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3057% | 2,009 |
| Loan loss allowance to noncurrent loans | 100.0108% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 1.0555% | 1,288 |
| Noncurrent loans to loans | 1.3056% | 1,207 |
| Net loans and leases to total assets | 76.9642% | 1,449 |
| Net loans and leases to deposits | 86.5739% | 2,208 |
| Net loans and leases to core deposits | 89.1163% | 2,639 |
| Total domestic deposits to total assets | 88.9000% | 898 |
| Equity capital to assets | 10.2980% | 3,376 |
| Core capital (leverage) ratio | 9.7322% | 3,876 |
| Tier 1 risk-based capital ratio | 12.6036% | 4,074 |
| Total risk-based capital ratio | 13.8480% | 3,957 |
| Memoranda: |
| Average total assets | $944,687,600 | 805 |
| Average earning assets | $878,640,200 | 802 |
| Average equity | $89,657,800 | 939 |
| Average total loans | $683,143,200 | 807 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8889% | 4,239 |
| Cost of funding earning assets | 0.4171% | 3,744 |
| Net interest margin | 3.4719% | 3,799 |
| Noninterest income to average assets | 1.4137% | 475 |
| Noninterest expense to average assets | 3.2171% | 1,485 |
| Loan and lease loss provision to assets | 0.0860% | 2,252 |
| Net operating income to assets | 1.3266% | 1,756 |
| Return on assets (ROA) | 1.3429% | 1,703 |
| Pretax return on assets | 1.3568% | 2,396 |
| Return on Equity (ROE) | 14.4428% | 1,000 |
| Retained earnings to average equity (ytd only) | 8.4627% | 1,440 |
| Net charge-offs to loans | 0.0034% | 3,353 |
| Credit loss provision to net charge-offs | 3,617.6471% | 117 |
| Earnings coverage of net charge-offs (x) | 599.9554% | 145 |
| Efficiency ratio | 69.2833% | 2,307 |
| Assets per employee ($millions) | 4.0256% | 3,841 |
| Cash dividends to net income (ytd only)* | 41.4055% | 1,983 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2184% | 2,521 |
| Loan loss allowance to noncurrent loans | 118.9531% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 0.7567% | 1,961 |
| Noncurrent loans to loans | 1.0243% | 1,678 |
| Net loans and leases to total assets | 70.4231% | 2,581 |
| Net loans and leases to deposits | 78.2140% | 3,218 |
| Net loans and leases to core deposits | 81.7006% | 3,352 |
| Total domestic deposits to total assets | 90.0390% | 500 |
| Equity capital to assets | 9.2435% | 4,331 |
| Core capital (leverage) ratio | 9.4934% | 4,182 |
| Tier 1 risk-based capital ratio | 12.3897% | 4,259 |
| Total risk-based capital ratio | 13.5383% | 4,213 |
| Memoranda: |
| Average total assets | $953,602,250 | 800 |
| Average earning assets | $887,073,000 | 796 |
| Average equity | $88,669,250 | 943 |
| Average total loans | $676,708,250 | 817 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8243% | 4,290 |
| Cost of funding earning assets | 0.3914% | 3,797 |
| Net interest margin | 3.4329% | 3,849 |
| Noninterest income to average assets | 1.4456% | 456 |
| Noninterest expense to average assets | 3.2572% | 1,420 |
| Loan and lease loss provision to assets | 0.1029% | 1,887 |
| Net operating income to assets | 1.2647% | 1,917 |
| Return on assets (ROA) | 1.2895% | 1,812 |
| Pretax return on assets | 1.3035% | 2,498 |
| Return on Equity (ROE) | 13.8393% | 1,118 |
| Retained earnings to average equity (ytd only) | 6.6054% | 2,258 |
| Net charge-offs to loans | 0.0063% | 2,918 |
| Credit loss provision to net charge-offs | 2,309.5238% | 182 |
| Earnings coverage of net charge-offs (x) | 310.0476% | 297 |
| Efficiency ratio | 70.2205% | 2,277 |
| Assets per employee ($millions) | 3.8152% | 4,185 |
| Cash dividends to net income (ytd only)* | 52.2705% | 1,584 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2179% | 2,613 |
| Loan loss allowance to noncurrent loans | 117.9111% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 0.7597% | 1,962 |
| Noncurrent loans to loans | 1.0329% | 1,707 |
| Net loans and leases to total assets | 69.2220% | 2,688 |
| Net loans and leases to deposits | 76.7523% | 3,270 |
| Net loans and leases to core deposits | 79.5735% | 3,456 |
| Total domestic deposits to total assets | 90.1888% | 511 |
| Equity capital to assets | 9.0179% | 4,546 |
| Core capital (leverage) ratio | 9.1921% | 4,473 |
| Tier 1 risk-based capital ratio | 12.0980% | 4,444 |
| Total risk-based capital ratio | 13.2373% | 4,382 |
| Memoranda: |
| Average total assets | $942,713,330 | 809 |
| Average earning assets | $876,814,330 | 805 |
| Average equity | $87,837,000 | 951 |
| Average total loans | $667,901,670 | 826 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7933% | 4,237 |
| Cost of funding earning assets | 0.3489% | 4,002 |
| Net interest margin | 3.4445% | 3,725 |
| Noninterest income to average assets | 1.3596% | 509 |
| Noninterest expense to average assets | 3.2639% | 1,422 |
| Loan and lease loss provision to assets | 0.1000% | 1,856 |
| Net operating income to assets | 1.1801% | 2,092 |
| Return on assets (ROA) | 1.2309% | 1,897 |
| Pretax return on assets | 1.2452% | 2,581 |
| Return on Equity (ROE) | 12.9862% | 1,263 |
| Retained earnings to average equity (ytd only) | 1.6560% | 4,446 |
| Net charge-offs to loans | 0.0018% | 2,668 |
| Credit loss provision to net charge-offs | 7,666.6667% | 38 |
| Earnings coverage of net charge-offs (x) | 992.0000% | 58 |
| Efficiency ratio | 71.6112% | 2,247 |
| Assets per employee ($millions) | 3.8088% | 4,277 |
| Cash dividends to net income (ytd only)* | 87.2483% | 725 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2343% | 2,609 |
| Loan loss allowance to noncurrent loans | 117.9111% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 0.7695% | 2,030 |
| Noncurrent loans to loans | 1.0468% | 1,748 |
| Net loans and leases to total assets | 69.7132% | 2,526 |
| Net loans and leases to deposits | 77.3359% | 3,080 |
| Net loans and leases to core deposits | 99.7339% | 1,711 |
| Total domestic deposits to total assets | 90.1434% | 603 |
| Equity capital to assets | 9.2185% | 4,343 |
| Core capital (leverage) ratio | 9.3024% | 4,324 |
| Tier 1 risk-based capital ratio | 12.1797% | 4,447 |
| Total risk-based capital ratio | 13.3259% | 4,396 |
| Memoranda: |
| Average total assets | $919,996,000 | 836 |
| Average earning assets | $854,233,500 | 833 |
| Average equity | $87,200,500 | 961 |
| Average total loans | $655,628,000 | 839 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5931% | 4,588 |
| Cost of funding earning assets | 0.3154% | 3,998 |
| Net interest margin | 3.2777% | 4,223 |
| Noninterest income to average assets | 1.4142% | 531 |
| Noninterest expense to average assets | 3.2015% | 1,606 |
| Loan and lease loss provision to assets | 0.3514% | 446 |
| Net operating income to assets | 0.8869% | 2,785 |
| Return on assets (ROA) | 0.9017% | 2,732 |
| Pretax return on assets | 0.9146% | 3,864 |
| Return on Equity (ROE) | 10.8091% | 1,551 |
| Retained earnings to average equity (ytd only) | 6.9596% | 1,094 |
| Net charge-offs to loans | 0.1867% | 1,350 |
| Credit loss provision to net charge-offs | 277.3231% | 1,009 |
| Earnings coverage of net charge-offs (x) | 9.8747% | 2,738 |
| Efficiency ratio | 71.9023% | 2,238 |
| Assets per employee ($millions) | 3.7467% | 4,367 |
| Cash dividends to net income (ytd only)* | 35.6133% | 3,047 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2313% | 2,592 |
| Loan loss allowance to noncurrent loans | 112.9233% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 0.8168% | 1,911 |
| Noncurrent loans to loans | 1.0904% | 1,627 |
| Net loans and leases to total assets | 71.0893% | 2,366 |
| Net loans and leases to deposits | 79.3533% | 2,990 |
| Net loans and leases to core deposits | 94.3425% | 2,164 |
| Total domestic deposits to total assets | 89.5858% | 739 |
| Equity capital to assets | 9.7502% | 3,966 |
| Core capital (leverage) ratio | 8.9382% | 4,719 |
| Tier 1 risk-based capital ratio | 12.4998% | 4,206 |
| Total risk-based capital ratio | 13.6483% | 4,176 |
| Memoranda: |
| Average total assets | $925,840,600 | 804 |
| Average earning assets | $858,253,400 | 797 |
| Average equity | $77,231,400 | 1,045 |
| Average total loans | $628,156,200 | 835 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4874% | 4,834 |
| Cost of funding earning assets | 0.3088% | 4,044 |
| Net interest margin | 3.1786% | 4,512 |
| Noninterest income to average assets | 1.4104% | 535 |
| Noninterest expense to average assets | 3.1902% | 1,580 |
| Loan and lease loss provision to assets | 0.2699% | 611 |
| Net operating income to assets | 0.8900% | 3,076 |
| Return on assets (ROA) | 0.9095% | 3,043 |
| Pretax return on assets | 0.9224% | 3,960 |
| Return on Equity (ROE) | 11.3657% | 1,541 |
| Retained earnings to average equity (ytd only) | 6.0536% | 2,194 |
| Net charge-offs to loans | 0.2513% | 863 |
| Credit loss provision to net charge-offs | 160.6809% | 1,596 |
| Earnings coverage of net charge-offs (x) | 6.9796% | 2,922 |
| Efficiency ratio | 73.1229% | 2,020 |
| Assets per employee ($millions) | 3.9127% | 4,129 |
| Cash dividends to net income (ytd only)* | 46.7379% | 1,929 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0324% | 3,894 |
| Loan loss allowance to noncurrent loans | 92.3744% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 0.7511% | 2,255 |
| Noncurrent loans to loans | 1.1176% | 1,721 |
| Net loans and leases to total assets | 63.9352% | 3,409 |
| Net loans and leases to deposits | 70.5171% | 3,917 |
| Net loans and leases to core deposits | 91.4199% | 2,499 |
| Total domestic deposits to total assets | 90.6662% | 269 |
| Equity capital to assets | 8.6998% | 5,147 |
| Core capital (leverage) ratio | 8.8085% | 4,956 |
| Tier 1 risk-based capital ratio | 12.4561% | 4,346 |
| Total risk-based capital ratio | 13.4287% | 4,404 |
| Memoranda: |
| Average total assets | $932,497,250 | 800 |
| Average earning assets | $866,132,500 | 789 |
| Average equity | $74,620,500 | 1,079 |
| Average total loans | $623,391,750 | 845 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4547% | 4,862 |
| Cost of funding earning assets | 0.3093% | 3,988 |
| Net interest margin | 3.1455% | 4,559 |
| Noninterest income to average assets | 1.4242% | 535 |
| Noninterest expense to average assets | 3.2491% | 1,476 |
| Loan and lease loss provision to assets | 0.1364% | 1,521 |
| Net operating income to assets | 0.9389% | 2,725 |
| Return on assets (ROA) | 0.9534% | 2,700 |
| Pretax return on assets | 0.9665% | 3,699 |
| Return on Equity (ROE) | 12.3017% | 1,208 |
| Retained earnings to average equity (ytd only) | 5.7948% | 2,233 |
| Net charge-offs to loans | 0.0201% | 2,837 |
| Credit loss provision to net charge-offs | 1,004.8387% | 383 |
| Earnings coverage of net charge-offs (x) | 80.1613% | 768 |
| Efficiency ratio | 74.9091% | 1,868 |
| Assets per employee ($millions) | 3.4096% | 4,851 |
| Cash dividends to net income (ytd only)* | 52.8939% | 1,747 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9961% | 4,174 |
| Loan loss allowance to noncurrent loans | 139.8439% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 0.5393% | 2,968 |
| Noncurrent loans to loans | 0.7123% | 2,616 |
| Net loans and leases to total assets | 66.2172% | 3,070 |
| Net loans and leases to deposits | 72.1140% | 3,724 |
| Net loans and leases to core deposits | 93.3001% | 2,216 |
| Total domestic deposits to total assets | 91.8230% | 87 |
| Equity capital to assets | 7.5580% | 5,646 |
| Core capital (leverage) ratio | 7.5254% | 5,653 |
| Tier 1 risk-based capital ratio | 10.5302% | 5,442 |
| Total risk-based capital ratio | 11.4793% | 5,502 |
| Memoranda: |
| Average total assets | $913,356,000 | 824 |
| Average earning assets | $845,910,670 | 823 |
| Average equity | $70,787,000 | 1,129 |
| Average total loans | $618,019,000 | 855 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4511% | 4,827 |
| Cost of funding earning assets | 0.3079% | 3,961 |
| Net interest margin | 3.1432% | 4,522 |
| Noninterest income to average assets | 1.2616% | 644 |
| Noninterest expense to average assets | 3.2398% | 1,503 |
| Loan and lease loss provision to assets | 0.1413% | 1,335 |
| Net operating income to assets | 0.7567% | 3,447 |
| Return on assets (ROA) | 0.7545% | 3,508 |
| Pretax return on assets | 0.7681% | 4,221 |
| Return on Equity (ROE) | 9.6052% | 2,139 |
| Retained earnings to average equity (ytd only) | -1.2818% | 5,100 |
| Net charge-offs to loans | -0.0139% | 4,557 |
| Credit loss provision to net charge-offs | -1,490.4762% | 4,496 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0400% | 1,623 |
| Assets per employee ($millions) | 3.5957% | 4,654 |
| Cash dividends to net income (ytd only)* | 113.3453% | 589 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0152% | 4,191 |
| Loan loss allowance to noncurrent loans | 130.2092% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 0.6828% | 2,586 |
| Noncurrent loans to loans | 0.7796% | 2,513 |
| Net loans and leases to total assets | 66.9762% | 2,818 |
| Net loans and leases to deposits | 73.0803% | 3,499 |
| Net loans and leases to core deposits | 89.2345% | 2,429 |
| Total domestic deposits to total assets | 91.6473% | 156 |
| Equity capital to assets | 7.6766% | 5,635 |
| Core capital (leverage) ratio | 7.9946% | 5,561 |
| Tier 1 risk-based capital ratio | 10.4961% | 5,543 |
| Total risk-based capital ratio | 11.4383% | 5,603 |
| Memoranda: |
| Average total assets | $885,864,500 | 859 |
| Average earning assets | $814,460,500 | 859 |
| Average equity | $69,587,000 | 1,140 |
| Average total loans | $603,199,500 | 876 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4540% | 4,881 |
| Cost of funding earning assets | 0.3306% | 3,740 |
| Net interest margin | 3.1234% | 4,659 |
| Noninterest income to average assets | 1.5444% | 506 |
| Noninterest expense to average assets | 3.4049% | 1,345 |
| Loan and lease loss provision to assets | 0.0675% | 3,019 |
| Net operating income to assets | 0.9230% | 2,708 |
| Return on assets (ROA) | 0.9413% | 2,736 |
| Pretax return on assets | 0.9540% | 3,640 |
| Return on Equity (ROE) | 11.6229% | 1,359 |
| Retained earnings to average equity (ytd only) | 7.2766% | 1,124 |
| Net charge-offs to loans | 0.0127% | 3,848 |
| Credit loss provision to net charge-offs | 790.2778% | 467 |
| Earnings coverage of net charge-offs (x) | 117.4583% | 512 |
| Efficiency ratio | 77.2459% | 1,805 |
| Assets per employee ($millions) | 3.4904% | 4,774 |
| Cash dividends to net income (ytd only)* | 37.3945% | 2,992 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9928% | 4,376 |
| Loan loss allowance to noncurrent loans | 118.9178% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 0.7555% | 2,476 |
| Noncurrent loans to loans | 0.8348% | 2,434 |
| Net loans and leases to total assets | 67.8598% | 2,790 |
| Net loans and leases to deposits | 74.3731% | 3,474 |
| Net loans and leases to core deposits | 87.5862% | 2,714 |
| Total domestic deposits to total assets | 91.2424% | 216 |
| Equity capital to assets | 8.0423% | 5,547 |
| Core capital (leverage) ratio | 8.0539% | 5,593 |
| Tier 1 risk-based capital ratio | 10.7434% | 5,467 |
| Total risk-based capital ratio | 11.6547% | 5,553 |
| Memoranda: |
| Average total assets | $843,189,600 | 858 |
| Average earning assets | $773,046,400 | 872 |
| Average equity | $68,287,600 | 1,144 |
| Average total loans | $568,930,200 | 873 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4272% | 4,961 |
| Cost of funding earning assets | 0.3336% | 3,735 |
| Net interest margin | 3.0935% | 4,790 |
| Noninterest income to average assets | 1.6108% | 473 |
| Noninterest expense to average assets | 3.4293% | 1,289 |
| Loan and lease loss provision to assets | 0.0651% | 2,925 |
| Net operating income to assets | 0.9412% | 2,698 |
| Return on assets (ROA) | 0.9675% | 2,715 |
| Pretax return on assets | 0.9798% | 3,706 |
| Return on Equity (ROE) | 11.9252% | 1,351 |
| Retained earnings to average equity (ytd only) | 7.2693% | 1,493 |
| Net charge-offs to loans | -0.0185% | 4,978 |
| Credit loss provision to net charge-offs | -524.3590% | 5,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1045% | 1,823 |
| Assets per employee ($millions) | 3.3113% | 5,030 |
| Cash dividends to net income (ytd only)* | 39.0424% | 2,399 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0068% | 4,362 |
| Loan loss allowance to noncurrent loans | 112.3901% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 0.8219% | 2,492 |
| Noncurrent loans to loans | 0.8958% | 2,464 |
| Net loans and leases to total assets | 67.1281% | 2,934 |
| Net loans and leases to deposits | 73.6793% | 3,624 |
| Net loans and leases to core deposits | 89.3151% | 2,640 |
| Total domestic deposits to total assets | 91.1085% | 168 |
| Equity capital to assets | 8.1897% | 5,674 |
| Core capital (leverage) ratio | 7.9282% | 5,715 |
| Tier 1 risk-based capital ratio | 10.5673% | 5,591 |
| Total risk-based capital ratio | 11.4757% | 5,665 |
| Memoranda: |
| Average total assets | $837,581,250 | 865 |
| Average earning assets | $768,082,500 | 872 |
| Average equity | $67,955,500 | 1,157 |
| Average total loans | $562,837,750 | 881 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4211% | 5,037 |
| Cost of funding earning assets | 0.3383% | 3,714 |
| Net interest margin | 3.0829% | 4,879 |
| Noninterest income to average assets | 1.5703% | 493 |
| Noninterest expense to average assets | 3.4276% | 1,324 |
| Loan and lease loss provision to assets | 0.0844% | 2,456 |
| Net operating income to assets | 0.8629% | 3,034 |
| Return on assets (ROA) | 0.8903% | 3,039 |
| Pretax return on assets | 0.9022% | 3,946 |
| Return on Equity (ROE) | 11.0097% | 1,642 |
| Retained earnings to average equity (ytd only) | 5.7015% | 2,297 |
| Net charge-offs to loans | 0.0072% | 3,440 |
| Credit loss provision to net charge-offs | 1,750.0000% | 232 |
| Earnings coverage of net charge-offs (x) | 198.9000% | 329 |
| Efficiency ratio | 78.1417% | 1,766 |
| Assets per employee ($millions) | 3.1761% | 5,240 |
| Cash dividends to net income (ytd only)* | 48.2133% | 2,056 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0118% | 4,447 |
| Loan loss allowance to noncurrent loans | 105.1461% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 0.8107% | 2,560 |
| Noncurrent loans to loans | 0.9623% | 2,355 |
| Net loans and leases to total assets | 62.2696% | 3,593 |
| Net loans and leases to deposits | 67.9390% | 4,188 |
| Net loans and leases to core deposits | 82.0209% | 3,267 |
| Total domestic deposits to total assets | 91.6551% | 112 |
| Equity capital to assets | 7.6844% | 5,878 |
| Core capital (leverage) ratio | 7.6224% | 5,851 |
| Tier 1 risk-based capital ratio | 10.5836% | 5,635 |
| Total risk-based capital ratio | 11.4764% | 5,707 |
| Memoranda: |
| Average total assets | $829,795,330 | 874 |
| Average earning assets | $757,999,670 | 885 |
| Average equity | $67,104,670 | 1,172 |
| Average total loans | $555,847,000 | 888 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5185% | 4,847 |
| Cost of funding earning assets | 0.3365% | 3,766 |
| Net interest margin | 3.1820% | 4,637 |
| Noninterest income to average assets | 1.3424% | 614 |
| Noninterest expense to average assets | 3.4343% | 1,312 |
| Loan and lease loss provision to assets | 0.1182% | 1,785 |
| Net operating income to assets | 0.6644% | 3,907 |
| Return on assets (ROA) | 0.6644% | 4,029 |
| Pretax return on assets | 0.6765% | 4,601 |
| Return on Equity (ROE) | 7.9913% | 2,917 |
| Retained earnings to average equity (ytd only) | -0.7864% | 5,251 |
| Net charge-offs to loans | 0.0167% | 2,603 |
| Credit loss provision to net charge-offs | 1,021.7391% | 358 |
| Earnings coverage of net charge-offs (x) | 68.6957% | 707 |
| Efficiency ratio | 81.2084% | 1,458 |
| Assets per employee ($millions) | 3.3542% | 5,044 |
| Cash dividends to net income (ytd only)* | 109.8410% | 607 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0013% | 4,605 |
| Loan loss allowance to noncurrent loans | 100.6646% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 0.9116% | 2,412 |
| Noncurrent loans to loans | 0.9946% | 2,398 |
| Net loans and leases to total assets | 67.1529% | 2,788 |
| Net loans and leases to deposits | 73.5763% | 3,491 |
| Net loans and leases to core deposits | 85.9749% | 2,751 |
| Total domestic deposits to total assets | 91.2698% | 206 |
| Equity capital to assets | 8.0442% | 5,810 |
| Core capital (leverage) ratio | 8.3400% | 5,527 |
| Tier 1 risk-based capital ratio | 10.2777% | 5,839 |
| Total risk-based capital ratio | 11.1539% | 5,898 |
| Memoranda: |
| Average total assets | $795,269,500 | 911 |
| Average earning assets | $721,440,500 | 916 |
| Average equity | $66,121,500 | 1,187 |
| Average total loans | $551,056,000 | 893 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6063% | 4,657 |
| Cost of funding earning assets | 0.3177% | 4,064 |
| Net interest margin | 3.2885% | 4,332 |
| Noninterest income to average assets | 1.4538% | 577 |
| Noninterest expense to average assets | 3.5869% | 1,152 |
| Loan and lease loss provision to assets | 0.0779% | 2,725 |
| Net operating income to assets | 0.7774% | 3,436 |
| Return on assets (ROA) | 0.7871% | 3,470 |
| Pretax return on assets | 0.7962% | 4,203 |
| Return on Equity (ROE) | 8.6950% | 2,631 |
| Retained earnings to average equity (ytd only) | 5.1019% | 2,346 |
| Net charge-offs to loans | 0.0933% | 2,499 |
| Credit loss provision to net charge-offs | 115.3846% | 2,212 |
| Earnings coverage of net charge-offs (x) | 12.8004% | 2,425 |
| Efficiency ratio | 80.5822% | 1,600 |
| Assets per employee ($millions) | 3.5273% | 4,787 |
| Cash dividends to net income (ytd only)* | 41.3233% | 2,779 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9941% | 4,652 |
| Loan loss allowance to noncurrent loans | 99.0994% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 0.9428% | 2,314 |
| Noncurrent loans to loans | 1.0031% | 2,335 |
| Net loans and leases to total assets | 70.1607% | 2,339 |
| Net loans and leases to deposits | 77.1558% | 3,145 |
| Net loans and leases to core deposits | 84.6112% | 2,923 |
| Total domestic deposits to total assets | 90.9338% | 297 |
| Equity capital to assets | 8.6056% | 5,461 |
| Core capital (leverage) ratio | 9.1322% | 4,710 |
| Tier 1 risk-based capital ratio | 10.5049% | 5,773 |
| Total risk-based capital ratio | 11.3642% | 5,851 |
| Memoranda: |
| Average total assets | $712,346,600 | 974 |
| Average earning assets | $649,288,800 | 981 |
| Average equity | $64,485,600 | 1,172 |
| Average total loans | $515,405,400 | 910 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6084% | 4,708 |
| Cost of funding earning assets | 0.3176% | 4,137 |
| Net interest margin | 3.2908% | 4,395 |
| Noninterest income to average assets | 1.5309% | 530 |
| Noninterest expense to average assets | 3.6466% | 1,048 |
| Loan and lease loss provision to assets | 0.1059% | 2,100 |
| Net operating income to assets | 0.7920% | 3,468 |
| Return on assets (ROA) | 0.8052% | 3,499 |
| Pretax return on assets | 0.8138% | 4,295 |
| Return on Equity (ROE) | 8.7764% | 2,690 |
| Retained earnings to average equity (ytd only) | 4.6044% | 3,197 |
| Net charge-offs to loans | 0.0613% | 2,718 |
| Credit loss provision to net charge-offs | 237.1795% | 1,181 |
| Earnings coverage of net charge-offs (x) | 20.3078% | 1,877 |
| Efficiency ratio | 80.0938% | 1,650 |
| Assets per employee ($millions) | 3.0006% | 5,543 |
| Cash dividends to net income (ytd only)* | 47.5367% | 1,976 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0674% | 4,402 |
| Loan loss allowance to noncurrent loans | 77.9837% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 1.1096% | 2,135 |
| Noncurrent loans to loans | 1.3688% | 1,872 |
| Net loans and leases to total assets | 73.4941% | 1,822 |
| Net loans and leases to deposits | 81.4001% | 2,715 |
| Net loans and leases to core deposits | 89.0558% | 2,554 |
| Total domestic deposits to total assets | 90.2875% | 471 |
| Equity capital to assets | 9.2206% | 5,095 |
| Core capital (leverage) ratio | 9.0967% | 4,887 |
| Tier 1 risk-based capital ratio | 10.8709% | 5,725 |
| Total risk-based capital ratio | 11.8153% | 5,787 |
| Memoranda: |
| Average total assets | $699,078,750 | 999 |
| Average earning assets | $641,970,000 | 993 |
| Average equity | $64,139,750 | 1,185 |
| Average total loans | $508,653,000 | 919 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5905% | 4,743 |
| Cost of funding earning assets | 0.3208% | 4,148 |
| Net interest margin | 3.2697% | 4,419 |
| Noninterest income to average assets | 1.5656% | 524 |
| Noninterest expense to average assets | 3.6227% | 1,084 |
| Loan and lease loss provision to assets | 0.1050% | 2,079 |
| Net operating income to assets | 0.8301% | 3,213 |
| Return on assets (ROA) | 0.8546% | 3,214 |
| Pretax return on assets | 0.8632% | 4,086 |
| Return on Equity (ROE) | 9.3305% | 2,376 |
| Retained earnings to average equity (ytd only) | 5.8528% | 2,323 |
| Net charge-offs to loans | 0.0980% | 2,034 |
| Credit loss provision to net charge-offs | 148.3740% | 1,548 |
| Earnings coverage of net charge-offs (x) | 13.3293% | 2,143 |
| Efficiency ratio | 79.3371% | 1,862 |
| Assets per employee ($millions) | 3.0433% | 5,541 |
| Cash dividends to net income (ytd only)* | 37.2727% | 2,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0824% | 4,426 |
| Loan loss allowance to noncurrent loans | 62.5734% | 4,680 |
| Noncurrent assets plus other real estate owned to assets | 1.3289% | 1,892 |
| Noncurrent loans to loans | 1.7298% | 1,487 |
| Net loans and leases to total assets | 69.1822% | 2,454 |
| Net loans and leases to deposits | 76.4371% | 3,217 |
| Net loans and leases to core deposits | 82.2075% | 3,153 |
| Total domestic deposits to total assets | 90.5086% | 448 |
| Equity capital to assets | 9.0266% | 5,210 |
| Core capital (leverage) ratio | 8.9054% | 5,090 |
| Tier 1 risk-based capital ratio | 11.7043% | 5,339 |
| Total risk-based capital ratio | 12.6906% | 5,422 |
| Memoranda: |
| Average total assets | $695,057,330 | 1,003 |
| Average earning assets | $637,851,330 | 1,000 |
| Average equity | $63,662,330 | 1,201 |
| Average total loans | $502,108,330 | 934 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5471% | 4,839 |
| Cost of funding earning assets | 0.3296% | 4,098 |
| Net interest margin | 3.2174% | 4,541 |
| Noninterest income to average assets | 1.5164% | 531 |
| Noninterest expense to average assets | 3.5963% | 1,144 |
| Loan and lease loss provision to assets | 0.1229% | 1,695 |
| Net operating income to assets | 0.7479% | 3,549 |
| Return on assets (ROA) | 0.8012% | 3,381 |
| Pretax return on assets | 0.8100% | 4,201 |
| Return on Equity (ROE) | 8.6812% | 2,609 |
| Retained earnings to average equity (ytd only) | 3.8301% | 3,706 |
| Net charge-offs to loans | 0.1657% | 1,283 |
| Credit loss provision to net charge-offs | 100.9615% | 1,595 |
| Earnings coverage of net charge-offs (x) | 7.2212% | 2,195 |
| Efficiency ratio | 80.3583% | 1,853 |
| Assets per employee ($millions) | 2.9881% | 5,678 |
| Cash dividends to net income (ytd only)* | 55.8802% | 1,546 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0684% | 4,668 |
| Loan loss allowance to noncurrent loans | 54.8058% | 4,876 |
| Noncurrent assets plus other real estate owned to assets | 1.5150% | 1,721 |
| Noncurrent loans to loans | 1.9493% | 1,364 |
| Net loans and leases to total assets | 71.9939% | 1,802 |
| Net loans and leases to deposits | 79.7733% | 2,583 |
| Net loans and leases to core deposits | 85.1428% | 2,638 |
| Total domestic deposits to total assets | 90.2482% | 630 |
| Equity capital to assets | 9.2937% | 4,979 |
| Core capital (leverage) ratio | 9.2413% | 4,661 |
| Tier 1 risk-based capital ratio | 12.4464% | 4,948 |
| Total risk-based capital ratio | 13.4923% | 4,989 |
| Memoranda: |
| Average total assets | $683,482,000 | 1,018 |
| Average earning assets | $628,575,500 | 1,016 |
| Average equity | $63,078,500 | 1,211 |
| Average total loans | $502,008,000 | 933 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6302% | 4,997 |
| Cost of funding earning assets | 0.3555% | 4,195 |
| Net interest margin | 3.2747% | 4,669 |
| Noninterest income to average assets | 1.3972% | 624 |
| Noninterest expense to average assets | 3.6497% | 1,218 |
| Loan and lease loss provision to assets | 0.1076% | 2,359 |
| Net operating income to assets | 0.6320% | 4,225 |
| Return on assets (ROA) | 0.6544% | 4,222 |
| Pretax return on assets | 0.6673% | 4,734 |
| Return on Equity (ROE) | 7.2360% | 3,496 |
| Retained earnings to average equity (ytd only) | 6.2856% | 1,761 |
| Net charge-offs to loans | -0.0041% | 5,443 |
| Credit loss provision to net charge-offs | -3,600.0000% | 6,034 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9145% | 1,542 |
| Assets per employee ($millions) | 3.1173% | 5,538 |
| Cash dividends to net income (ytd only)* | 13.1339% | 4,037 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0509% | 4,808 |
| Loan loss allowance to noncurrent loans | 85.5396% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 1.0125% | 2,726 |
| Noncurrent loans to loans | 1.2285% | 2,395 |
| Net loans and leases to total assets | 73.3484% | 1,697 |
| Net loans and leases to deposits | 81.2055% | 2,577 |
| Net loans and leases to core deposits | 87.0277% | 2,605 |
| Total domestic deposits to total assets | 90.3245% | 605 |
| Equity capital to assets | 9.1642% | 5,115 |
| Core capital (leverage) ratio | 9.3451% | 4,470 |
| Tier 1 risk-based capital ratio | 12.3018% | 5,149 |
| Total risk-based capital ratio | 13.3501% | 5,201 |
| Memoranda: |
| Average total assets | $668,962,800 | 996 |
| Average earning assets | $613,773,200 | 999 |
| Average equity | $60,503,000 | 1,209 |
| Average total loans | $483,148,000 | 919 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6107% | 5,113 |
| Cost of funding earning assets | 0.3631% | 4,201 |
| Net interest margin | 3.2475% | 4,798 |
| Noninterest income to average assets | 1.3607% | 666 |
| Noninterest expense to average assets | 3.6215% | 1,259 |
| Loan and lease loss provision to assets | 0.0435% | 3,529 |
| Net operating income to assets | 0.6594% | 4,162 |
| Return on assets (ROA) | 0.6743% | 4,171 |
| Pretax return on assets | 0.6886% | 4,737 |
| Return on Equity (ROE) | 7.4813% | 3,448 |
| Retained earnings to average equity (ytd only) | 6.8701% | 1,890 |
| Net charge-offs to loans | -0.0112% | 5,448 |
| Credit loss provision to net charge-offs | -542.5000% | 5,768 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4773% | 1,451 |
| Assets per employee ($millions) | 3.0354% | 5,693 |
| Cash dividends to net income (ytd only)* | 8.1700% | 3,621 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9622% | 5,379 |
| Loan loss allowance to noncurrent loans | 65.6615% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 1.2578% | 2,450 |
| Noncurrent loans to loans | 1.4654% | 2,221 |
| Net loans and leases to total assets | 74.8468% | 1,389 |
| Net loans and leases to deposits | 82.9265% | 2,302 |
| Net loans and leases to core deposits | 87.7811% | 2,455 |
| Total domestic deposits to total assets | 90.2568% | 626 |
| Equity capital to assets | 9.2734% | 5,059 |
| Core capital (leverage) ratio | 9.1918% | 4,800 |
| Tier 1 risk-based capital ratio | 12.3112% | 5,289 |
| Total risk-based capital ratio | 13.2747% | 5,382 |
| Memoranda: |
| Average total assets | $665,533,500 | 1,016 |
| Average earning assets | $610,212,750 | 1,018 |
| Average equity | $59,988,250 | 1,224 |
| Average total loans | $477,421,750 | 935 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5503% | 5,289 |
| Cost of funding earning assets | 0.3664% | 4,248 |
| Net interest margin | 3.1840% | 4,993 |
| Noninterest income to average assets | 1.3527% | 655 |
| Noninterest expense to average assets | 3.6191% | 1,263 |
| Loan and lease loss provision to assets | 0.0273% | 3,719 |
| Net operating income to assets | 0.6040% | 4,339 |
| Return on assets (ROA) | 0.6404% | 4,254 |
| Pretax return on assets | 0.6573% | 4,767 |
| Return on Equity (ROE) | 7.1741% | 3,529 |
| Retained earnings to average equity (ytd only) | 7.1741% | 1,682 |
| Net charge-offs to loans | -0.0158% | 5,455 |
| Credit loss provision to net charge-offs | -245.9459% | 5,431 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8331% | 1,406 |
| Assets per employee ($millions) | 2.8866% | 5,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9908% | 5,392 |
| Loan loss allowance to noncurrent loans | 74.2506% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 1.0755% | 2,914 |
| Noncurrent loans to loans | 1.3344% | 2,580 |
| Net loans and leases to total assets | 68.4534% | 2,334 |
| Net loans and leases to deposits | 75.4633% | 3,129 |
| Net loans and leases to core deposits | 79.4458% | 3,270 |
| Total domestic deposits to total assets | 90.7108% | 504 |
| Equity capital to assets | 8.8598% | 5,458 |
| Core capital (leverage) ratio | 8.7652% | 5,314 |
| Tier 1 risk-based capital ratio | 12.6353% | 5,134 |
| Total risk-based capital ratio | 13.6133% | 5,244 |
| Memoranda: |
| Average total assets | $665,794,670 | 1,016 |
| Average earning assets | $609,240,330 | 1,022 |
| Average equity | $59,436,000 | 1,231 |
| Average total loans | $469,103,000 | 943 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5859% | 5,213 |
| Cost of funding earning assets | 0.3692% | 4,325 |
| Net interest margin | 3.2167% | 4,875 |
| Noninterest income to average assets | 1.2931% | 671 |
| Noninterest expense to average assets | 3.6270% | 1,258 |
| Loan and lease loss provision to assets | 0.0476% | 3,139 |
| Net operating income to assets | 0.5510% | 4,456 |
| Return on assets (ROA) | 0.6258% | 4,147 |
| Pretax return on assets | 0.6416% | 4,692 |
| Return on Equity (ROE) | 6.9822% | 3,480 |
| Retained earnings to average equity (ytd only) | 6.9822% | 2,053 |
| Net charge-offs to loans | -0.0240% | 5,439 |
| Credit loss provision to net charge-offs | -278.5714% | 5,024 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5436% | 1,495 |
| Assets per employee ($millions) | 2.9629% | 5,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0079% | 5,488 |
| Loan loss allowance to noncurrent loans | 74.8283% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 1.1651% | 2,930 |
| Noncurrent loans to loans | 1.3470% | 2,790 |
| Net loans and leases to total assets | 69.6396% | 1,958 |
| Net loans and leases to deposits | 76.8709% | 2,703 |
| Net loans and leases to core deposits | 81.4130% | 2,805 |
| Total domestic deposits to total assets | 90.5929% | 744 |
| Equity capital to assets | 8.9715% | 5,148 |
| Core capital (leverage) ratio | 9.1987% | 4,723 |
| Tier 1 risk-based capital ratio | 12.3993% | 5,367 |
| Total risk-based capital ratio | 13.3725% | 5,491 |
| Memoranda: |
| Average total assets | $655,192,500 | 1,041 |
| Average earning assets | $600,240,000 | 1,046 |
| Average equity | $58,720,500 | 1,243 |
| Average total loans | $466,164,500 | 953 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4830% | 5,676 |
| Cost of funding earning assets | 0.3930% | 4,729 |
| Net interest margin | 3.0900% | 5,336 |
| Noninterest income to average assets | 1.4581% | 655 |
| Noninterest expense to average assets | 3.7756% | 1,176 |
| Loan and lease loss provision to assets | 0.0300% | 4,511 |
| Net operating income to assets | 0.4695% | 4,872 |
| Return on assets (ROA) | 0.4977% | 4,880 |
| Pretax return on assets | 0.4977% | 5,209 |
| Return on Equity (ROE) | 5.5971% | 4,329 |
| Retained earnings to average equity (ytd only) | 5.5971% | 2,221 |
| Net charge-offs to loans | -0.0581% | 6,360 |
| Credit loss provision to net charge-offs | -79.0984% | 5,839 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3175% | 1,182 |
| Assets per employee ($millions) | 2.8874% | 6,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9792% | 5,662 |
| Loan loss allowance to noncurrent loans | 69.0706% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 1.2837% | 2,851 |
| Noncurrent loans to loans | 1.4177% | 2,765 |
| Net loans and leases to total assets | 71.2587% | 1,802 |
| Net loans and leases to deposits | 78.6285% | 2,643 |
| Net loans and leases to core deposits | 84.2414% | 2,651 |
| Total domestic deposits to total assets | 90.6271% | 740 |
| Equity capital to assets | 8.9530% | 5,094 |
| Core capital (leverage) ratio | 8.9389% | 5,096 |
| Tier 1 risk-based capital ratio | 11.8967% | 5,678 |
| Total risk-based capital ratio | 12.8230% | 5,808 |
| Memoranda: |
| Average total assets | $644,141,800 | 1,038 |
| Average earning assets | $587,218,400 | 1,042 |
| Average equity | $57,279,400 | 1,257 |
| Average total loans | $419,823,200 | 1,017 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4321% | 5,818 |
| Cost of funding earning assets | 0.3950% | 4,860 |
| Net interest margin | 3.0371% | 5,499 |
| Noninterest income to average assets | 1.4844% | 670 |
| Noninterest expense to average assets | 3.7844% | 1,103 |
| Loan and lease loss provision to assets | 0.0224% | 4,558 |
| Net operating income to assets | 0.4433% | 5,050 |
| Return on assets (ROA) | 0.4810% | 5,041 |
| Pretax return on assets | 0.4810% | 5,412 |
| Return on Equity (ROE) | 5.4189% | 4,511 |
| Retained earnings to average equity (ytd only) | 5.4189% | 2,785 |
| Net charge-offs to loans | -0.0696% | 6,406 |
| Credit loss provision to net charge-offs | -50.7042% | 5,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0429% | 1,082 |
| Assets per employee ($millions) | 2.8189% | 6,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9966% | 5,735 |
| Loan loss allowance to noncurrent loans | 65.2816% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 1.3457% | 2,948 |
| Noncurrent loans to loans | 1.5267% | 2,877 |
| Net loans and leases to total assets | 69.2683% | 2,091 |
| Net loans and leases to deposits | 76.3692% | 2,901 |
| Net loans and leases to core deposits | 80.5239% | 3,069 |
| Total domestic deposits to total assets | 90.7018% | 653 |
| Equity capital to assets | 8.9214% | 5,278 |
| Core capital (leverage) ratio | 8.6172% | 5,634 |
| Tier 1 risk-based capital ratio | 12.0473% | 5,756 |
| Total risk-based capital ratio | 12.9781% | 5,893 |
| Memoranda: |
| Average total assets | $642,760,000 | 1,049 |
| Average earning assets | $585,324,750 | 1,053 |
| Average equity | $57,058,000 | 1,266 |
| Average total loans | $407,898,000 | 1,046 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3420% | 6,018 |
| Cost of funding earning assets | 0.3933% | 4,999 |
| Net interest margin | 2.9487% | 5,698 |
| Noninterest income to average assets | 1.5675% | 639 |
| Noninterest expense to average assets | 3.8076% | 1,082 |
| Loan and lease loss provision to assets | 0.0028% | 4,752 |
| Net operating income to assets | 0.4474% | 5,025 |
| Return on assets (ROA) | 0.4474% | 5,195 |
| Pretax return on assets | 0.4474% | 5,528 |
| Return on Equity (ROE) | 5.0484% | 4,706 |
| Retained earnings to average equity (ytd only) | 5.0484% | 3,025 |
| Net charge-offs to loans | -0.1054% | 6,514 |
| Credit loss provision to net charge-offs | -4.3269% | 5,434 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4264% | 1,089 |
| Assets per employee ($millions) | 2.6307% | 6,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0310% | 5,707 |
| Loan loss allowance to noncurrent loans | 81.6529% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 1.1683% | 3,417 |
| Noncurrent loans to loans | 1.2626% | 3,442 |
| Net loans and leases to total assets | 62.3481% | 3,231 |
| Net loans and leases to deposits | 68.3982% | 3,950 |
| Net loans and leases to core deposits | 71.9497% | 4,049 |
| Total domestic deposits to total assets | 91.1546% | 493 |
| Equity capital to assets | 8.4494% | 5,818 |
| Core capital (leverage) ratio | 8.3112% | 5,874 |
| Tier 1 risk-based capital ratio | 12.3539% | 5,597 |
| Total risk-based capital ratio | 13.2985% | 5,717 |
| Memoranda: |
| Average total assets | $643,717,000 | 1,045 |
| Average earning assets | $587,309,670 | 1,051 |
| Average equity | $57,048,330 | 1,266 |
| Average total loans | $394,630,000 | 1,086 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3093% | 6,141 |
| Cost of funding earning assets | 0.4053% | 5,049 |
| Net interest margin | 2.9040% | 5,801 |
| Noninterest income to average assets | 1.5209% | 667 |
| Noninterest expense to average assets | 3.8117% | 1,096 |
| Loan and lease loss provision to assets | -0.0812% | 6,823 |
| Net operating income to assets | 0.4373% | 4,967 |
| Return on assets (ROA) | 0.4373% | 5,132 |
| Pretax return on assets | 0.4373% | 5,443 |
| Return on Equity (ROE) | 4.8155% | 4,680 |
| Retained earnings to average equity (ytd only) | 4.8155% | 3,346 |
| Net charge-offs to loans | 0.0221% | 3,731 |
| Credit loss provision to net charge-offs | -609.5238% | 5,529 |
| Earnings coverage of net charge-offs (x) | 26.7143% | 1,020 |
| Efficiency ratio | 91.4560% | 1,030 |
| Assets per employee ($millions) | 2.6885% | 6,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0384% | 5,841 |
| Loan loss allowance to noncurrent loans | 69.6806% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 1.3189% | 3,319 |
| Noncurrent loans to loans | 1.4902% | 3,318 |
| Net loans and leases to total assets | 59.4572% | 3,524 |
| Net loans and leases to deposits | 65.5888% | 4,109 |
| Net loans and leases to core deposits | 69.1199% | 4,172 |
| Total domestic deposits to total assets | 90.6514% | 693 |
| Equity capital to assets | 8.9482% | 5,558 |
| Core capital (leverage) ratio | 8.9276% | 5,011 |
| Tier 1 risk-based capital ratio | 13.1619% | 5,095 |
| Total risk-based capital ratio | 14.0965% | 5,288 |
| Memoranda: |
| Average total assets | $630,162,000 | 1,082 |
| Average earning assets | $574,376,000 | 1,073 |
| Average equity | $57,232,000 | 1,276 |
| Average total loans | $380,642,500 | 1,122 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6205% | 6,190 |
| Cost of funding earning assets | 0.5154% | 5,112 |
| Net interest margin | 3.1051% | 5,802 |
| Noninterest income to average assets | 1.7271% | 547 |
| Noninterest expense to average assets | 4.0067% | 964 |
| Loan and lease loss provision to assets | 0.0307% | 5,512 |
| Net operating income to assets | 0.5057% | 4,666 |
| Return on assets (ROA) | 0.4972% | 4,950 |
| Pretax return on assets | 0.4972% | 5,289 |
| Return on Equity (ROE) | 5.4062% | 4,477 |
| Retained earnings to average equity (ytd only) | 5.4062% | 2,443 |
| Net charge-offs to loans | 0.2044% | 3,746 |
| Credit loss provision to net charge-offs | 25.4144% | 5,196 |
| Earnings coverage of net charge-offs (x) | 4.4365% | 3,368 |
| Efficiency ratio | 87.5423% | 1,283 |
| Assets per employee ($millions) | 2.7213% | 6,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0988% | 5,559 |
| Loan loss allowance to noncurrent loans | 120.7993% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 0.9877% | 4,056 |
| Noncurrent loans to loans | 0.9096% | 4,360 |
| Net loans and leases to total assets | 60.0694% | 3,596 |
| Net loans and leases to deposits | 66.4971% | 4,204 |
| Net loans and leases to core deposits | 69.8977% | 4,326 |
| Total domestic deposits to total assets | 90.3340% | 781 |
| Equity capital to assets | 9.2202% | 5,245 |
| Core capital (leverage) ratio | 8.9291% | 5,005 |
| Tier 1 risk-based capital ratio | 13.4423% | 4,796 |
| Total risk-based capital ratio | 14.4447% | 4,910 |
| Memoranda: |
| Average total assets | $598,799,000 | 1,110 |
| Average earning assets | $543,042,000 | 1,113 |
| Average equity | $55,066,000 | 1,297 |
| Average total loans | $354,279,800 | 1,178 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6326% | 6,344 |
| Cost of funding earning assets | 0.5365% | 5,193 |
| Net interest margin | 3.0961% | 5,947 |
| Noninterest income to average assets | 1.7468% | 517 |
| Noninterest expense to average assets | 3.9650% | 985 |
| Loan and lease loss provision to assets | 0.0683% | 4,824 |
| Net operating income to assets | 0.5235% | 4,741 |
| Return on assets (ROA) | 0.5121% | 5,056 |
| Pretax return on assets | 0.5121% | 5,429 |
| Return on Equity (ROE) | 5.5723% | 4,557 |
| Retained earnings to average equity (ytd only) | 5.5723% | 2,986 |
| Net charge-offs to loans | 0.2849% | 3,017 |
| Credit loss provision to net charge-offs | 40.8054% | 4,597 |
| Earnings coverage of net charge-offs (x) | 3.5356% | 3,604 |
| Efficiency ratio | 86.3560% | 1,352 |
| Assets per employee ($millions) | 2.6183% | 6,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1800% | 5,372 |
| Loan loss allowance to noncurrent loans | 121.9442% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.9878% | 4,308 |
| Noncurrent loans to loans | 0.9676% | 4,502 |
| Net loans and leases to total assets | 57.9572% | 4,144 |
| Net loans and leases to deposits | 64.1097% | 4,703 |
| Net loans and leases to core deposits | 67.4851% | 4,778 |
| Total domestic deposits to total assets | 90.4031% | 630 |
| Equity capital to assets | 9.1626% | 5,639 |
| Core capital (leverage) ratio | 8.5086% | 5,736 |
| Tier 1 risk-based capital ratio | 13.4411% | 4,914 |
| Total risk-based capital ratio | 14.4801% | 5,039 |
| Memoranda: |
| Average total assets | $593,383,250 | 1,132 |
| Average earning assets | $538,555,000 | 1,139 |
| Average equity | $54,530,500 | 1,318 |
| Average total loans | $348,637,500 | 1,209 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6598% | 6,402 |
| Cost of funding earning assets | 0.5590% | 5,239 |
| Net interest margin | 3.1008% | 6,008 |
| Noninterest income to average assets | 1.7879% | 487 |
| Noninterest expense to average assets | 3.9097% | 1,064 |
| Loan and lease loss provision to assets | 0.1196% | 4,036 |
| Net operating income to assets | 0.5711% | 4,495 |
| Return on assets (ROA) | 0.5326% | 4,947 |
| Pretax return on assets | 0.5326% | 5,363 |
| Return on Equity (ROE) | 5.7894% | 4,427 |
| Retained earnings to average equity (ytd only) | 5.7894% | 2,830 |
| Net charge-offs to loans | 0.1188% | 3,988 |
| Credit loss provision to net charge-offs | 171.2195% | 1,639 |
| Earnings coverage of net charge-offs (x) | 9.8878% | 2,121 |
| Efficiency ratio | 84.3345% | 1,597 |
| Assets per employee ($millions) | 2.8049% | 6,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3587% | 4,625 |
| Loan loss allowance to noncurrent loans | 100.7304% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 1.2094% | 3,996 |
| Noncurrent loans to loans | 1.3488% | 3,904 |
| Net loans and leases to total assets | 56.0259% | 4,465 |
| Net loans and leases to deposits | 61.7211% | 5,036 |
| Net loans and leases to core deposits | 64.7649% | 5,124 |
| Total domestic deposits to total assets | 90.7727% | 535 |
| Equity capital to assets | 8.7965% | 5,916 |
| Core capital (leverage) ratio | 8.6450% | 5,455 |
| Tier 1 risk-based capital ratio | 13.3057% | 4,962 |
| Total risk-based capital ratio | 14.4918% | 4,980 |
| Memoranda: |
| Average total assets | $586,952,670 | 1,146 |
| Average earning assets | $532,380,000 | 1,150 |
| Average equity | $53,995,000 | 1,320 |
| Average total loans | $345,073,670 | 1,217 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8217% | 6,201 |
| Cost of funding earning assets | 0.5912% | 5,206 |
| Net interest margin | 3.2305% | 5,699 |
| Noninterest income to average assets | 1.5925% | 568 |
| Noninterest expense to average assets | 3.9861% | 954 |
| Loan and lease loss provision to assets | 0.1430% | 3,569 |
| Net operating income to assets | 0.3819% | 5,336 |
| Return on assets (ROA) | 0.3819% | 5,519 |
| Pretax return on assets | 0.3819% | 5,777 |
| Return on Equity (ROE) | 4.0537% | 5,273 |
| Retained earnings to average equity (ytd only) | 4.0537% | 4,160 |
| Net charge-offs to loans | 0.3106% | 2,412 |
| Credit loss provision to net charge-offs | 76.8939% | 2,783 |
| Earnings coverage of net charge-offs (x) | 2.8220% | 3,053 |
| Efficiency ratio | 87.6757% | 1,312 |
| Assets per employee ($millions) | 2.8602% | 6,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3325% | 4,871 |
| Loan loss allowance to noncurrent loans | 95.0422% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 1.3180% | 3,918 |
| Noncurrent loans to loans | 1.4021% | 4,010 |
| Net loans and leases to total assets | 58.3417% | 3,982 |
| Net loans and leases to deposits | 64.5788% | 4,553 |
| Net loans and leases to core deposits | 68.0343% | 4,672 |
| Total domestic deposits to total assets | 90.3419% | 893 |
| Equity capital to assets | 9.1868% | 5,251 |
| Core capital (leverage) ratio | 9.1732% | 4,563 |
| Tier 1 risk-based capital ratio | 12.4991% | 5,600 |
| Total risk-based capital ratio | 13.5869% | 5,691 |
| Memoranda: |
| Average total assets | $567,678,000 | 1,186 |
| Average earning assets | $512,866,500 | 1,202 |
| Average equity | $53,481,500 | 1,325 |
| Average total loans | $339,975,500 | 1,246 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6435% | 6,899 |
| Cost of funding earning assets | 0.6620% | 5,759 |
| Net interest margin | 2.9814% | 6,558 |
| Noninterest income to average assets | 2.5042% | 270 |
| Noninterest expense to average assets | 4.8319% | 443 |
| Loan and lease loss provision to assets | 0.1011% | 5,322 |
| Net operating income to assets | 0.2567% | 5,411 |
| Return on assets (ROA) | 0.3651% | 5,179 |
| Pretax return on assets | 0.3651% | 5,388 |
| Return on Equity (ROE) | 4.0119% | 4,841 |
| Retained earnings to average equity (ytd only) | 4.0119% | 3,338 |
| Net charge-offs to loans | 0.6801% | 2,458 |
| Credit loss provision to net charge-offs | 27.9653% | 5,811 |
| Earnings coverage of net charge-offs (x) | 0.9899% | 5,055 |
| Efficiency ratio | 92.5123% | 1,015 |
| Assets per employee ($millions) | 2.8154% | 6,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4047% | 4,433 |
| Loan loss allowance to noncurrent loans | 88.7225% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 1.5370% | 3,644 |
| Noncurrent loans to loans | 1.5832% | 3,788 |
| Net loans and leases to total assets | 59.8470% | 4,020 |
| Net loans and leases to deposits | 66.6970% | 4,637 |
| Net loans and leases to core deposits | 70.3884% | 4,733 |
| Total domestic deposits to total assets | 89.7296% | 1,143 |
| Equity capital to assets | 9.6713% | 4,646 |
| Core capital (leverage) ratio | 9.8463% | 3,521 |
| Tier 1 risk-based capital ratio | 12.5843% | 5,383 |
| Total risk-based capital ratio | 13.7064% | 5,466 |
| Memoranda: |
| Average total assets | $573,872,600 | 1,147 |
| Average earning assets | $516,897,600 | 1,157 |
| Average equity | $52,219,000 | 1,308 |
| Average total loans | $304,963,800 | 1,392 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5770% | 7,047 |
| Cost of funding earning assets | 0.6769% | 5,896 |
| Net interest margin | 2.9000% | 6,750 |
| Noninterest income to average assets | 2.7037% | 247 |
| Noninterest expense to average assets | 5.0717% | 351 |
| Loan and lease loss provision to assets | 0.0262% | 6,122 |
| Net operating income to assets | 0.2190% | 5,650 |
| Return on assets (ROA) | 0.3620% | 5,341 |
| Pretax return on assets | 0.3620% | 5,572 |
| Return on Equity (ROE) | 4.0384% | 4,975 |
| Retained earnings to average equity (ytd only) | 4.0384% | 3,851 |
| Net charge-offs to loans | 0.6745% | 2,223 |
| Credit loss provision to net charge-offs | 7.5647% | 5,685 |
| Earnings coverage of net charge-offs (x) | 0.7080% | 5,094 |
| Efficiency ratio | 94.8126% | 874 |
| Assets per employee ($millions) | 2.6983% | 6,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6003% | 3,665 |
| Loan loss allowance to noncurrent loans | 82.3489% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 1.4754% | 3,911 |
| Noncurrent loans to loans | 1.9434% | 3,436 |
| Net loans and leases to total assets | 55.5953% | 4,905 |
| Net loans and leases to deposits | 62.1895% | 5,376 |
| Net loans and leases to core deposits | 65.5182% | 5,466 |
| Total domestic deposits to total assets | 89.3967% | 1,195 |
| Equity capital to assets | 10.0230% | 4,308 |
| Core capital (leverage) ratio | 9.2080% | 4,618 |
| Tier 1 risk-based capital ratio | 13.9205% | 4,410 |
| Total risk-based capital ratio | 15.1711% | 4,370 |
| Memoranda: |
| Average total assets | $580,089,000 | 1,142 |
| Average earning assets | $522,738,000 | 1,150 |
| Average equity | $51,999,750 | 1,309 |
| Average total loans | $297,893,500 | 1,440 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3690% | 7,223 |
| Cost of funding earning assets | 0.6781% | 6,081 |
| Net interest margin | 2.6909% | 7,041 |
| Noninterest income to average assets | 3.2336% | 207 |
| Noninterest expense to average assets | 5.4190% | 277 |
| Loan and lease loss provision to assets | -0.0630% | 7,404 |
| Net operating income to assets | 0.3071% | 5,349 |
| Return on assets (ROA) | 0.3463% | 5,324 |
| Pretax return on assets | 0.3463% | 5,561 |
| Return on Equity (ROE) | 4.0028% | 4,943 |
| Retained earnings to average equity (ytd only) | 4.0028% | 3,653 |
| Net charge-offs to loans | 0.8885% | 1,750 |
| Credit loss provision to net charge-offs | -14.2209% | 6,190 |
| Earnings coverage of net charge-offs (x) | 0.5514% | 4,890 |
| Efficiency ratio | 95.1683% | 916 |
| Assets per employee ($millions) | 2.8983% | 6,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6210% | 3,617 |
| Loan loss allowance to noncurrent loans | 48.3370% | 5,117 |
| Noncurrent assets plus other real estate owned to assets | 1.9908% | 3,248 |
| Noncurrent loans to loans | 3.3536% | 2,126 |
| Net loans and leases to total assets | 45.2237% | 6,333 |
| Net loans and leases to deposits | 49.7045% | 6,624 |
| Net loans and leases to core deposits | 51.9497% | 6,668 |
| Total domestic deposits to total assets | 90.9850% | 508 |
| Equity capital to assets | 8.4126% | 6,290 |
| Core capital (leverage) ratio | 8.2498% | 5,952 |
| Tier 1 risk-based capital ratio | 14.3781% | 3,880 |
| Total risk-based capital ratio | 15.6286% | 3,852 |
| Memoranda: |
| Average total assets | $597,161,330 | 1,111 |
| Average earning assets | $539,147,330 | 1,128 |
| Average equity | $51,663,330 | 1,301 |
| Average total loans | $297,588,000 | 1,461 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4253% | 7,252 |
| Cost of funding earning assets | 0.7210% | 6,023 |
| Net interest margin | 2.7042% | 7,015 |
| Noninterest income to average assets | 3.4754% | 184 |
| Noninterest expense to average assets | 5.8305% | 210 |
| Loan and lease loss provision to assets | -0.3027% | 7,523 |
| Net operating income to assets | 0.3933% | 4,980 |
| Return on assets (ROA) | 0.4016% | 5,029 |
| Pretax return on assets | 0.4016% | 5,338 |
| Return on Equity (ROE) | 4.5737% | 4,612 |
| Retained earnings to average equity (ytd only) | 4.5737% | 3,436 |
| Net charge-offs to loans | 1.8209% | 712 |
| Credit loss provision to net charge-offs | -32.0261% | 5,628 |
| Earnings coverage of net charge-offs (x) | 0.0959% | 4,525 |
| Efficiency ratio | 97.9597% | 832 |
| Assets per employee ($millions) | 2.6846% | 6,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4769% | 4,312 |
| Loan loss allowance to noncurrent loans | 36.5275% | 5,866 |
| Noncurrent assets plus other real estate owned to assets | 2.5453% | 2,685 |
| Noncurrent loans to loans | 4.0433% | 1,792 |
| Net loans and leases to total assets | 48.3331% | 6,043 |
| Net loans and leases to deposits | 53.2329% | 6,364 |
| Net loans and leases to core deposits | 55.4537% | 6,454 |
| Total domestic deposits to total assets | 90.7955% | 717 |
| Equity capital to assets | 8.5535% | 5,833 |
| Core capital (leverage) ratio | 8.1774% | 5,998 |
| Tier 1 risk-based capital ratio | 14.1178% | 3,991 |
| Total risk-based capital ratio | 15.3281% | 3,998 |
| Memoranda: |
| Average total assets | $582,724,500 | 1,154 |
| Average earning assets | $527,025,500 | 1,161 |
| Average equity | $51,162,000 | 1,303 |
| Average total loans | $302,491,500 | 1,448 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8499% | 7,230 |
| Cost of funding earning assets | 0.8806% | 6,239 |
| Net interest margin | 2.9694% | 6,797 |
| Noninterest income to average assets | 3.9611% | 168 |
| Noninterest expense to average assets | 6.1302% | 216 |
| Loan and lease loss provision to assets | 0.8806% | 1,859 |
| Net operating income to assets | -0.3698% | 6,284 |
| Return on assets (ROA) | -0.3532% | 6,295 |
| Pretax return on assets | -0.3550% | 6,205 |
| Return on Equity (ROE) | -4.0600% | 6,361 |
| Retained earnings to average equity (ytd only) | -4.0600% | 6,207 |
| Net charge-offs to loans | 1.3631% | 1,638 |
| Credit loss provision to net charge-offs | 113.8455% | 3,817 |
| Earnings coverage of net charge-offs (x) | 0.6578% | 5,449 |
| Efficiency ratio | 91.8890% | 1,191 |
| Assets per employee ($millions) | 2.4211% | 7,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9921% | 2,324 |
| Loan loss allowance to noncurrent loans | 37.9416% | 5,780 |
| Noncurrent assets plus other real estate owned to assets | 3.4887% | 1,989 |
| Noncurrent loans to loans | 5.2504% | 1,270 |
| Net loans and leases to total assets | 53.8558% | 5,649 |
| Net loans and leases to deposits | 59.7682% | 6,081 |
| Net loans and leases to core deposits | 62.4659% | 6,198 |
| Total domestic deposits to total assets | 90.1077% | 1,032 |
| Equity capital to assets | 9.0210% | 5,111 |
| Core capital (leverage) ratio | 7.8243% | 6,409 |
| Tier 1 risk-based capital ratio | 13.5045% | 4,196 |
| Total risk-based capital ratio | 14.7597% | 4,166 |
| Memoranda: |
| Average total assets | $595,738,800 | 1,127 |
| Average earning assets | $537,254,400 | 1,131 |
| Average equity | $51,822,400 | 1,286 |
| Average total loans | $338,061,200 | 1,320 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8932% | 7,347 |
| Cost of funding earning assets | 0.8875% | 6,446 |
| Net interest margin | 3.0057% | 6,818 |
| Noninterest income to average assets | 4.0548% | 169 |
| Noninterest expense to average assets | 6.1745% | 209 |
| Loan and lease loss provision to assets | 0.4771% | 3,085 |
| Net operating income to assets | 0.1155% | 5,733 |
| Return on assets (ROA) | 0.1376% | 5,832 |
| Pretax return on assets | 0.1376% | 5,855 |
| Return on Equity (ROE) | 1.5957% | 5,738 |
| Retained earnings to average equity (ytd only) | 1.5957% | 5,156 |
| Net charge-offs to loans | 0.3605% | 3,858 |
| Credit loss provision to net charge-offs | 231.5113% | 1,478 |
| Earnings coverage of net charge-offs (x) | 2.8757% | 3,692 |
| Efficiency ratio | 90.8088% | 1,222 |
| Assets per employee ($millions) | 2.5578% | 7,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0893% | 2,026 |
| Loan loss allowance to noncurrent loans | 50.5947% | 4,913 |
| Noncurrent assets plus other real estate owned to assets | 2.8402% | 2,553 |
| Noncurrent loans to loans | 4.1295% | 1,786 |
| Net loans and leases to total assets | 52.7347% | 6,008 |
| Net loans and leases to deposits | 58.8347% | 6,397 |
| Net loans and leases to core deposits | 61.2519% | 6,522 |
| Total domestic deposits to total assets | 89.6320% | 1,061 |
| Equity capital to assets | 8.7087% | 5,995 |
| Core capital (leverage) ratio | 7.7159% | 6,657 |
| Tier 1 risk-based capital ratio | 13.4044% | 4,265 |
| Total risk-based capital ratio | 14.6608% | 4,228 |
| Memoranda: |
| Average total assets | $603,647,250 | 1,114 |
| Average earning assets | $544,726,500 | 1,121 |
| Average equity | $52,056,000 | 1,287 |
| Average total loans | $345,082,000 | 1,316 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8651% | 7,453 |
| Cost of funding earning assets | 0.8947% | 6,602 |
| Net interest margin | 2.9704% | 6,896 |
| Noninterest income to average assets | 4.2035% | 160 |
| Noninterest expense to average assets | 6.3113% | 193 |
| Loan and lease loss provision to assets | 0.5320% | 2,656 |
| Net operating income to assets | 0.0394% | 6,009 |
| Return on assets (ROA) | 0.0725% | 6,044 |
| Pretax return on assets | 0.0725% | 6,029 |
| Return on Equity (ROE) | 0.8430% | 5,996 |
| Retained earnings to average equity (ytd only) | 0.8430% | 5,431 |
| Net charge-offs to loans | 0.5542% | 2,869 |
| Credit loss provision to net charge-offs | 164.7541% | 2,386 |
| Earnings coverage of net charge-offs (x) | 1.7695% | 4,194 |
| Efficiency ratio | 91.2753% | 1,238 |
| Assets per employee ($millions) | 2.2683% | 7,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8072% | 2,698 |
| Loan loss allowance to noncurrent loans | 46.4079% | 5,205 |
| Noncurrent assets plus other real estate owned to assets | 2.9568% | 2,413 |
| Noncurrent loans to loans | 3.8942% | 1,962 |
| Net loans and leases to total assets | 57.4973% | 5,490 |
| Net loans and leases to deposits | 64.4349% | 5,982 |
| Net loans and leases to core deposits | 66.9515% | 6,160 |
| Total domestic deposits to total assets | 89.2331% | 1,312 |
| Equity capital to assets | 8.8939% | 5,613 |
| Core capital (leverage) ratio | 7.6303% | 6,696 |
| Tier 1 risk-based capital ratio | 12.8877% | 4,535 |
| Total risk-based capital ratio | 14.1415% | 4,483 |
| Memoranda: |
| Average total assets | $604,500,330 | 1,120 |
| Average earning assets | $545,239,670 | 1,123 |
| Average equity | $51,959,000 | 1,281 |
| Average total loans | $352,194,000 | 1,305 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8668% | 7,541 |
| Cost of funding earning assets | 0.8950% | 6,787 |
| Net interest margin | 2.9718% | 6,894 |
| Noninterest income to average assets | 4.1692% | 157 |
| Noninterest expense to average assets | 6.2581% | 192 |
| Loan and lease loss provision to assets | 0.2633% | 3,927 |
| Net operating income to assets | 0.3290% | 5,172 |
| Return on assets (ROA) | 0.3290% | 5,301 |
| Pretax return on assets | 0.3290% | 5,526 |
| Return on Equity (ROE) | 3.8912% | 4,941 |
| Retained earnings to average equity (ytd only) | 3.8912% | 3,809 |
| Net charge-offs to loans | 0.1913% | 3,772 |
| Credit loss provision to net charge-offs | 236.8421% | 1,616 |
| Earnings coverage of net charge-offs (x) | 5.3275% | 2,423 |
| Efficiency ratio | 90.9367% | 1,356 |
| Assets per employee ($millions) | 2.3610% | 7,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6462% | 3,266 |
| Loan loss allowance to noncurrent loans | 47.4823% | 5,172 |
| Noncurrent assets plus other real estate owned to assets | 2.5267% | 2,877 |
| Noncurrent loans to loans | 3.4670% | 2,301 |
| Net loans and leases to total assets | 55.7390% | 5,784 |
| Net loans and leases to deposits | 62.6397% | 6,213 |
| Net loans and leases to core deposits | 64.4367% | 6,425 |
| Total domestic deposits to total assets | 88.9835% | 1,526 |
| Equity capital to assets | 8.4364% | 6,093 |
| Core capital (leverage) ratio | 7.9069% | 6,373 |
| Tier 1 risk-based capital ratio | 12.5951% | 4,644 |
| Total risk-based capital ratio | 13.8471% | 4,607 |
| Memoranda: |
| Average total assets | $615,270,500 | 1,116 |
| Average earning assets | $555,090,000 | 1,125 |
| Average equity | $52,014,500 | 1,289 |
| Average total loans | $357,613,500 | 1,324 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5251% | 7,360 |
| Cost of funding earning assets | 1.1999% | 6,659 |
| Net interest margin | 3.3252% | 5,637 |
| Noninterest income to average assets | 4.1426% | 164 |
| Noninterest expense to average assets | 6.4728% | 250 |
| Loan and lease loss provision to assets | 0.5537% | 3,600 |
| Net operating income to assets | 0.1005% | 5,213 |
| Return on assets (ROA) | 0.1620% | 5,088 |
| Pretax return on assets | 0.1625% | 5,083 |
| Return on Equity (ROE) | 1.9192% | 4,940 |
| Retained earnings to average equity (ytd only) | 1.9192% | 3,754 |
| Net charge-offs to loans | 0.4958% | 3,784 |
| Credit loss provision to net charge-offs | 173.4908% | 2,438 |
| Earnings coverage of net charge-offs (x) | 2.0514% | 4,188 |
| Efficiency ratio | 90.1627% | 1,693 |
| Assets per employee ($millions) | 2.4876% | 7,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5184% | 3,632 |
| Loan loss allowance to noncurrent loans | 36.4756% | 6,002 |
| Noncurrent assets plus other real estate owned to assets | 2.8430% | 2,468 |
| Noncurrent loans to loans | 4.1627% | 1,756 |
| Net loans and leases to total assets | 58.6849% | 5,535 |
| Net loans and leases to deposits | 65.9015% | 6,060 |
| Net loans and leases to core deposits | 72.7900% | 6,605 |
| Total domestic deposits to total assets | 89.0494% | 1,460 |
| Equity capital to assets | 8.4717% | 5,922 |
| Core capital (leverage) ratio | 7.7455% | 6,508 |
| Tier 1 risk-based capital ratio | 12.0405% | 4,917 |
| Total risk-based capital ratio | 13.2914% | 4,870 |
| Memoranda: |
| Average total assets | $596,869,600 | 1,159 |
| Average earning assets | $535,783,800 | 1,182 |
| Average equity | $50,386,000 | 1,331 |
| Average total loans | $384,228,400 | 1,250 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6779% | 7,315 |
| Cost of funding earning assets | 1.2510% | 6,721 |
| Net interest margin | 3.4269% | 5,162 |
| Noninterest income to average assets | 4.3052% | 151 |
| Noninterest expense to average assets | 6.5894% | 236 |
| Loan and lease loss provision to assets | 0.3950% | 3,946 |
| Net operating income to assets | 0.3992% | 4,404 |
| Return on assets (ROA) | 0.4818% | 4,165 |
| Pretax return on assets | 0.4824% | 4,571 |
| Return on Equity (ROE) | 5.7120% | 3,648 |
| Retained earnings to average equity (ytd only) | 5.7120% | 2,095 |
| Net charge-offs to loans | 0.2080% | 4,736 |
| Credit loss provision to net charge-offs | 289.4563% | 1,436 |
| Earnings coverage of net charge-offs (x) | 5.8254% | 2,725 |
| Efficiency ratio | 88.5564% | 1,814 |
| Assets per employee ($millions) | 2.4002% | 7,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4051% | 3,910 |
| Loan loss allowance to noncurrent loans | 44.1319% | 5,369 |
| Noncurrent assets plus other real estate owned to assets | 2.5203% | 2,750 |
| Noncurrent loans to loans | 3.1838% | 2,374 |
| Net loans and leases to total assets | 62.8325% | 5,102 |
| Net loans and leases to deposits | 71.3533% | 5,758 |
| Net loans and leases to core deposits | 78.8808% | 6,430 |
| Total domestic deposits to total assets | 88.0583% | 1,629 |
| Equity capital to assets | 8.5692% | 6,154 |
| Core capital (leverage) ratio | 7.4088% | 7,071 |
| Tier 1 risk-based capital ratio | 11.4079% | 5,521 |
| Total risk-based capital ratio | 12.6331% | 5,496 |
| Memoranda: |
| Average total assets | $593,097,500 | 1,176 |
| Average earning assets | $532,901,500 | 1,203 |
| Average equity | $50,021,750 | 1,367 |
| Average total loans | $389,119,500 | 1,252 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8154% | 7,199 |
| Cost of funding earning assets | 1.2927% | 6,831 |
| Net interest margin | 3.5227% | 4,687 |
| Noninterest income to average assets | 4.3496% | 153 |
| Noninterest expense to average assets | 6.7117% | 246 |
| Loan and lease loss provision to assets | 0.2397% | 4,667 |
| Net operating income to assets | 0.5536% | 3,864 |
| Return on assets (ROA) | 0.5546% | 3,980 |
| Pretax return on assets | 0.5556% | 4,453 |
| Return on Equity (ROE) | 6.6105% | 3,382 |
| Retained earnings to average equity (ytd only) | 6.6105% | 1,740 |
| Net charge-offs to loans | 0.2293% | 4,063 |
| Credit loss provision to net charge-offs | 157.8714% | 2,920 |
| Earnings coverage of net charge-offs (x) | 5.2306% | 2,880 |
| Efficiency ratio | 88.7538% | 1,930 |
| Assets per employee ($millions) | 2.2230% | 7,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1567% | 5,226 |
| Loan loss allowance to noncurrent loans | 49.5103% | 5,057 |
| Noncurrent assets plus other real estate owned to assets | 2.1704% | 2,972 |
| Noncurrent loans to loans | 2.3362% | 3,096 |
| Net loans and leases to total assets | 67.8974% | 4,167 |
| Net loans and leases to deposits | 78.7499% | 4,744 |
| Net loans and leases to core deposits | 87.3111% | 5,785 |
| Total domestic deposits to total assets | 86.2190% | 2,665 |
| Equity capital to assets | 9.1138% | 5,147 |
| Core capital (leverage) ratio | 7.3521% | 7,189 |
| Tier 1 risk-based capital ratio | 11.1930% | 5,681 |
| Total risk-based capital ratio | 12.2048% | 5,865 |
| Memoranda: |
| Average total assets | $593,979,330 | 1,195 |
| Average earning assets | $532,206,000 | 1,219 |
| Average equity | $49,830,000 | 1,383 |
| Average total loans | $393,398,330 | 1,261 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7148% | 7,487 |
| Cost of funding earning assets | 1.3109% | 6,990 |
| Net interest margin | 3.4038% | 5,125 |
| Noninterest income to average assets | 4.0801% | 163 |
| Noninterest expense to average assets | 6.4109% | 249 |
| Loan and lease loss provision to assets | 0.0671% | 6,109 |
| Net operating income to assets | 0.6591% | 3,760 |
| Return on assets (ROA) | 0.6591% | 3,937 |
| Pretax return on assets | 0.6610% | 4,556 |
| Return on Equity (ROE) | 8.1743% | 3,065 |
| Retained earnings to average equity (ytd only) | 8.1743% | 1,744 |
| Net charge-offs to loans | 0.2710% | 3,041 |
| Credit loss provision to net charge-offs | 38.0074% | 4,841 |
| Earnings coverage of net charge-offs (x) | 4.1255% | 2,971 |
| Efficiency ratio | 89.1261% | 1,797 |
| Assets per employee ($millions) | 2.4165% | 7,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0009% | 6,170 |
| Loan loss allowance to noncurrent loans | 29.3761% | 6,597 |
| Noncurrent assets plus other real estate owned to assets | 2.7052% | 2,102 |
| Noncurrent loans to loans | 3.4072% | 1,877 |
| Net loans and leases to total assets | 63.9603% | 4,992 |
| Net loans and leases to deposits | 72.3357% | 5,704 |
| Net loans and leases to core deposits | 79.4909% | 6,423 |
| Total domestic deposits to total assets | 88.4214% | 1,516 |
| Equity capital to assets | 8.1291% | 6,630 |
| Core capital (leverage) ratio | 7.7153% | 6,867 |
| Tier 1 risk-based capital ratio | 10.5327% | 6,362 |
| Total risk-based capital ratio | 11.4045% | 6,665 |
| Memoranda: |
| Average total assets | $614,203,000 | 1,161 |
| Average earning assets | $551,967,000 | 1,177 |
| Average equity | $49,521,000 | 1,388 |
| Average total loans | $399,981,500 | 1,255 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9667% | 5,718 |
| Cost of funding earning assets | 2.1405% | 5,872 |
| Net interest margin | 3.8262% | 3,912 |
| Noninterest income to average assets | 2.3022% | 281 |
| Noninterest expense to average assets | 4.9814% | 629 |
| Loan and lease loss provision to assets | 0.4098% | 3,235 |
| Net operating income to assets | 0.2482% | 5,716 |
| Return on assets (ROA) | 0.2564% | 5,503 |
| Pretax return on assets | 0.2610% | 5,604 |
| Return on Equity (ROE) | 3.0313% | 5,226 |
| Retained earnings to average equity (ytd only) | 3.0313% | 3,284 |
| Net charge-offs to loans | 0.4284% | 2,677 |
| Credit loss provision to net charge-offs | 127.0956% | 4,202 |
| Earnings coverage of net charge-offs (x) | 2.0543% | 5,049 |
| Efficiency ratio | 87.4030% | 1,733 |
| Assets per employee ($millions) | 2.4198% | 7,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0255% | 5,814 |
| Loan loss allowance to noncurrent loans | 33.8765% | 6,469 |
| Noncurrent assets plus other real estate owned to assets | 2.5985% | 1,853 |
| Noncurrent loans to loans | 3.0271% | 1,769 |
| Net loans and leases to total assets | 64.9634% | 5,071 |
| Net loans and leases to deposits | 73.1279% | 5,934 |
| Net loans and leases to core deposits | 80.5892% | 6,572 |
| Total domestic deposits to total assets | 88.8353% | 1,103 |
| Equity capital to assets | 7.9963% | 6,847 |
| Core capital (leverage) ratio | 8.3117% | 5,927 |
| Tier 1 risk-based capital ratio | 10.0745% | 6,654 |
| Total risk-based capital ratio | 10.9605% | 6,977 |
| Memoranda: |
| Average total assets | $525,356,000 | 1,286 |
| Average earning assets | $458,812,800 | 1,360 |
| Average equity | $44,436,400 | 1,516 |
| Average total loans | $395,404,800 | 1,225 |
