| 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 | 6.2989% | 437 |
| Cost of funding earning assets | 2.8802% | 180 |
| Net interest margin | 3.4186% | 2,365 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 1.7212% | 4,109 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.2424% | 1,552 |
| Return on assets (ROA) | 1.2424% | 1,528 |
| Pretax return on assets | 1.5889% | 1,255 |
| Return on Equity (ROE) | 11.0600% | 2,207 |
| Retained earnings to average equity (ytd only) | 9.1661% | 1,220 |
| Net charge-offs to loans | 0.0031% | 2,660 |
| Credit loss provision to net charge-offs | 1,500.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 618.8095% | 238 |
| Efficiency ratio | 51.3860% | 3,880 |
| Assets per employee ($millions) | 14.8876% | 217 |
| Cash dividends to net income (ytd only)* | 17.1457% | 3,036 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4034% | 1,385 |
| Loan loss allowance to noncurrent loans | 873.5160% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.1313% | 2,654 |
| Noncurrent loans to loans | 0.1607% | 2,718 |
| Net loans and leases to total assets | 80.6000% | 568 |
| Net loans and leases to deposits | 97.9293% | 659 |
| Net loans and leases to core deposits | 121.4018% | 584 |
| Total domestic deposits to total assets | 82.3100% | 3,067 |
| Equity capital to assets | 11.1833% | 1,402 |
| Core capital (leverage) ratio | 11.3675% | 1,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6074% | 2,026 |
| Memoranda: |
| Average total assets | $798,053,400 | 1,189 |
| Average earning assets | $743,863,400 | 1,177 |
| Average equity | $89,624,200 | 1,037 |
| Average total loans | $668,009,800 | 1,006 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1803% | 431 |
| Cost of funding earning assets | 2.7424% | 179 |
| Net interest margin | 3.4379% | 2,370 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 1.6885% | 4,142 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.2241% | 1,721 |
| Return on assets (ROA) | 1.2241% | 1,717 |
| Pretax return on assets | 1.6105% | 1,333 |
| Return on Equity (ROE) | 10.8900% | 2,404 |
| Retained earnings to average equity (ytd only) | 9.0844% | 1,659 |
| Net charge-offs to loans | -0.0042% | 3,702 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 50.7542% | 3,855 |
| Assets per employee ($millions) | 14.2291% | 234 |
| Cash dividends to net income (ytd only)* | 16.5631% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4047% | 1,427 |
| Loan loss allowance to noncurrent loans | 641.1525% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.1819% | 2,379 |
| Noncurrent loans to loans | 0.2191% | 2,477 |
| Net loans and leases to total assets | 81.8400% | 450 |
| Net loans and leases to deposits | 100.9131% | 476 |
| Net loans and leases to core deposits | 125.2855% | 428 |
| Total domestic deposits to total assets | 81.1000% | 3,366 |
| Equity capital to assets | 11.2327% | 1,262 |
| Core capital (leverage) ratio | 11.4100% | 1,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3845% | 2,121 |
| Memoranda: |
| Average total assets | $789,140,000 | 1,196 |
| Average earning assets | $734,851,500 | 1,185 |
| Average equity | $88,721,250 | 1,038 |
| Average total loans | $664,622,750 | 1,005 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0276% | 432 |
| Cost of funding earning assets | 2.6317% | 147 |
| Net interest margin | 3.3959% | 2,530 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 1.6871% | 4,164 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.1667% | 1,923 |
| Return on assets (ROA) | 1.1667% | 1,919 |
| Pretax return on assets | 1.5338% | 1,531 |
| Return on Equity (ROE) | 10.3700% | 2,605 |
| Retained earnings to average equity (ytd only) | 8.3274% | 1,865 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 51.2990% | 3,827 |
| Assets per employee ($millions) | 13.9856% | 240 |
| Cash dividends to net income (ytd only)* | 19.7325% | 2,451 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4114% | 1,490 |
| Loan loss allowance to noncurrent loans | 684.5657% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.1717% | 2,353 |
| Noncurrent loans to loans | 0.2062% | 2,436 |
| Net loans and leases to total assets | 82.1200% | 415 |
| Net loans and leases to deposits | 101.4540% | 454 |
| Net loans and leases to core deposits | 126.9746% | 373 |
| Total domestic deposits to total assets | 80.9400% | 3,440 |
| Equity capital to assets | 11.0689% | 1,366 |
| Core capital (leverage) ratio | 11.2863% | 1,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0222% | 2,287 |
| Memoranda: |
| Average total assets | $781,834,333 | 1,195 |
| Average earning assets | $727,822,667 | 1,191 |
| Average equity | $87,927,000 | 1,043 |
| Average total loans | $661,745,000 | 992 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8227% | 405 |
| Cost of funding earning assets | 2.3886% | 121 |
| Net interest margin | 3.4341% | 2,547 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 1.7144% | 4,179 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.2524% | 1,792 |
| Return on assets (ROA) | 1.2524% | 1,764 |
| Pretax return on assets | 1.6403% | 1,385 |
| Return on Equity (ROE) | 11.0400% | 2,481 |
| Retained earnings to average equity (ytd only) | 11.0441% | 1,460 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.1296% | 3,922 |
| Assets per employee ($millions) | 14.0184% | 246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4210% | 1,542 |
| Loan loss allowance to noncurrent loans | 411.7441% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.2907% | 1,705 |
| Noncurrent loans to loans | 0.3451% | 1,910 |
| Net loans and leases to total assets | 83.0300% | 294 |
| Net loans and leases to deposits | 103.6187% | 312 |
| Net loans and leases to core deposits | 128.1909% | 299 |
| Total domestic deposits to total assets | 80.1300% | 3,746 |
| Equity capital to assets | 11.2166% | 1,263 |
| Core capital (leverage) ratio | 11.6391% | 1,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0592% | 2,368 |
| Memoranda: |
| Average total assets | $767,169,000 | 1,228 |
| Average earning assets | $713,548,500 | 1,221 |
| Average equity | $86,997,000 | 1,058 |
| Average total loans | $654,804,000 | 1,011 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5761% | 635 |
| Cost of funding earning assets | 0.9708% | 185 |
| Net interest margin | 3.6054% | 1,630 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 1.7978% | 4,034 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.5888% | 710 |
| Return on assets (ROA) | 1.5888% | 675 |
| Pretax return on assets | 2.0518% | 420 |
| Return on Equity (ROE) | 14.4700% | 1,414 |
| Retained earnings to average equity (ytd only) | 13.4933% | 454 |
| Net charge-offs to loans | -0.0140% | 3,935 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 45.6009% | 4,367 |
| Assets per employee ($millions) | 13.3804% | 280 |
| Cash dividends to net income (ytd only)* | 6.7597% | 3,331 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3538% | 1,669 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 85.3600% | 194 |
| Net loans and leases to deposits | 110.9062% | 145 |
| Net loans and leases to core deposits | 133.1111% | 199 |
| Total domestic deposits to total assets | 76.9700% | 4,177 |
| Equity capital to assets | 11.4693% | 1,094 |
| Core capital (leverage) ratio | 12.0066% | 1,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0126% | 2,373 |
| Memoranda: |
| Average total assets | $721,617,800 | 1,284 |
| Average earning assets | $671,528,400 | 1,273 |
| Average equity | $79,224,400 | 1,139 |
| Average total loans | $593,320,400 | 1,043 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2693% | 780 |
| Cost of funding earning assets | 0.7296% | 226 |
| Net interest margin | 3.5397% | 1,546 |
| Noninterest income to average assets | 0.7200% | 1,256 |
| Noninterest expense to average assets | 1.7564% | 4,064 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.6417% | 603 |
| Return on assets (ROA) | 1.6417% | 590 |
| Pretax return on assets | 2.1500% | 348 |
| Return on Equity (ROE) | 15.1300% | 1,144 |
| Retained earnings to average equity (ytd only) | 13.7980% | 494 |
| Net charge-offs to loans | -0.0186% | 3,971 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 43.7195% | 4,471 |
| Assets per employee ($millions) | 13.6175% | 260 |
| Cash dividends to net income (ytd only)* | 8.8068% | 2,875 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4100% | 1,579 |
| Loan loss allowance to noncurrent loans | 372.6338% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 0.3235% | 1,651 |
| Noncurrent loans to loans | 0.3784% | 1,877 |
| Net loans and leases to total assets | 84.3000% | 220 |
| Net loans and leases to deposits | 107.1613% | 171 |
| Net loans and leases to core deposits | 126.7536% | 174 |
| Total domestic deposits to total assets | 78.6600% | 4,208 |
| Equity capital to assets | 11.5303% | 995 |
| Core capital (leverage) ratio | 11.6369% | 1,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9719% | 2,487 |
| Memoranda: |
| Average total assets | $714,696,000 | 1,302 |
| Average earning assets | $665,358,500 | 1,291 |
| Average equity | $77,545,500 | 1,174 |
| Average total loans | $579,555,000 | 1,056 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8748% | 1,157 |
| Cost of funding earning assets | 0.5734% | 340 |
| Net interest margin | 3.3014% | 1,906 |
| Noninterest income to average assets | 0.9796% | 704 |
| Noninterest expense to average assets | 1.7289% | 4,094 |
| Loan and lease loss provision to assets | 0.1249% | 780 |
| Net operating income to assets | 1.6719% | 460 |
| Return on assets (ROA) | 1.6719% | 455 |
| Pretax return on assets | 2.2020% | 247 |
| Return on Equity (ROE) | 15.7425% | 748 |
| Retained earnings to average equity (ytd only) | 13.6937% | 395 |
| Net charge-offs to loans | -0.0289% | 4,024 |
| Credit loss provision to net charge-offs | -542.6829% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6277% | 4,550 |
| Assets per employee ($millions) | 15.5795% | 180 |
| Cash dividends to net income (ytd only)* | 13.0143% | 2,703 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4320% | 1,630 |
| Loan loss allowance to noncurrent loans | 333.8017% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.3575% | 1,566 |
| Noncurrent loans to loans | 0.4290% | 1,837 |
| Net loans and leases to total assets | 82.1365% | 278 |
| Net loans and leases to deposits | 103.9334% | 170 |
| Net loans and leases to core deposits | 119.6227% | 200 |
| Total domestic deposits to total assets | 79.0281% | 4,297 |
| Equity capital to assets | 11.0266% | 1,201 |
| Core capital (leverage) ratio | 10.9886% | 1,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9701% | 2,512 |
| Memoranda: |
| Average total assets | $712,352,333 | 1,303 |
| Average earning assets | $663,780,333 | 1,300 |
| Average equity | $75,655,000 | 1,219 |
| Average total loans | $567,042,000 | 1,065 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6314% | 1,424 |
| Cost of funding earning assets | 0.5652% | 334 |
| Net interest margin | 3.0662% | 2,276 |
| Noninterest income to average assets | 1.5843% | 331 |
| Noninterest expense to average assets | 1.7843% | 3,974 |
| Loan and lease loss provision to assets | 0.0817% | 1,003 |
| Net operating income to assets | 1.9420% | 244 |
| Return on assets (ROA) | 1.9420% | 248 |
| Pretax return on assets | 2.5784% | 162 |
| Return on Equity (ROE) | 18.6451% | 297 |
| Retained earnings to average equity (ytd only) | 18.6451% | 127 |
| Net charge-offs to loans | -0.0167% | 3,819 |
| Credit loss provision to net charge-offs | -630.4348% | 3,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.1470% | 4,639 |
| Assets per employee ($millions) | 15.0485% | 203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4830% | 1,609 |
| Loan loss allowance to noncurrent loans | 341.8023% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.3318% | 1,781 |
| Noncurrent loans to loans | 0.4339% | 1,946 |
| Net loans and leases to total assets | 75.3510% | 548 |
| Net loans and leases to deposits | 88.7087% | 579 |
| Net loans and leases to core deposits | 106.4838% | 339 |
| Total domestic deposits to total assets | 84.9421% | 3,546 |
| Equity capital to assets | 10.4789% | 1,598 |
| Core capital (leverage) ratio | 10.6209% | 1,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5205% | 2,407 |
| Memoranda: |
| Average total assets | $710,199,500 | 1,308 |
| Average earning assets | $662,452,500 | 1,311 |
| Average equity | $73,971,000 | 1,272 |
| Average total loans | $551,968,000 | 1,075 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0690% | 1,213 |
| Cost of funding earning assets | 0.7665% | 240 |
| Net interest margin | 3.3024% | 2,309 |
| Noninterest income to average assets | 0.3274% | 3,453 |
| Noninterest expense to average assets | 1.7363% | 4,245 |
| Loan and lease loss provision to assets | 0.2817% | 297 |
| Net operating income to assets | 1.0970% | 2,303 |
| Return on assets (ROA) | 1.1044% | 2,338 |
| Pretax return on assets | 1.3968% | 2,064 |
| Return on Equity (ROE) | 10.7405% | 2,260 |
| Retained earnings to average equity (ytd only) | 8.3338% | 1,412 |
| Net charge-offs to loans | 0.2200% | 422 |
| Credit loss provision to net charge-offs | 155.4622% | 1,469 |
| Earnings coverage of net charge-offs (x) | 9.2101% | 2,270 |
| Efficiency ratio | 50.9861% | 4,207 |
| Assets per employee ($millions) | 13.9615% | 243 |
| Cash dividends to net income (ytd only)* | 22.4076% | 2,923 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4552% | 1,711 |
| Loan loss allowance to noncurrent loans | 302.2599% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.3803% | 1,707 |
| Noncurrent loans to loans | 0.4814% | 1,924 |
| Net loans and leases to total assets | 77.8483% | 386 |
| Net loans and leases to deposits | 92.8671% | 420 |
| Net loans and leases to core deposits | 112.4411% | 254 |
| Total domestic deposits to total assets | 83.8276% | 3,609 |
| Equity capital to assets | 10.3499% | 2,322 |
| Core capital (leverage) ratio | 10.6167% | 1,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2261% | 2,553 |
| Memoranda: |
| Average total assets | $656,629,400 | 1,351 |
| Average earning assets | $612,000,400 | 1,357 |
| Average equity | $67,520,400 | 1,390 |
| Average total loans | $540,791,800 | 1,099 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0689% | 1,374 |
| Cost of funding earning assets | 0.8303% | 213 |
| Net interest margin | 3.2386% | 2,613 |
| Noninterest income to average assets | 0.2548% | 3,869 |
| Noninterest expense to average assets | 1.6659% | 4,382 |
| Loan and lease loss provision to assets | 0.2889% | 281 |
| Net operating income to assets | 1.0233% | 2,822 |
| Return on assets (ROA) | 1.0334% | 2,859 |
| Pretax return on assets | 1.3311% | 2,539 |
| Return on Equity (ROE) | 10.0674% | 2,717 |
| Retained earnings to average equity (ytd only) | 8.0073% | 2,054 |
| Net charge-offs to loans | 0.2948% | 273 |
| Credit loss provision to net charge-offs | 117.6471% | 1,474 |
| Earnings coverage of net charge-offs (x) | 6.5462% | 2,170 |
| Efficiency ratio | 50.8982% | 4,133 |
| Assets per employee ($millions) | 13.8272% | 253 |
| Cash dividends to net income (ytd only)* | 20.4632% | 2,533 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3785% | 2,114 |
| Loan loss allowance to noncurrent loans | 269.2855% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.4152% | 1,802 |
| Noncurrent loans to loans | 0.5119% | 2,025 |
| Net loans and leases to total assets | 79.9864% | 292 |
| Net loans and leases to deposits | 96.9344% | 315 |
| Net loans and leases to core deposits | 115.7921% | 229 |
| Total domestic deposits to total assets | 82.5160% | 3,821 |
| Equity capital to assets | 10.1115% | 2,796 |
| Core capital (leverage) ratio | 10.3127% | 2,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8730% | 2,747 |
| Memoranda: |
| Average total assets | $646,268,500 | 1,382 |
| Average earning assets | $602,302,750 | 1,386 |
| Average equity | $66,338,000 | 1,422 |
| Average total loans | $538,124,000 | 1,122 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0465% | 1,462 |
| Cost of funding earning assets | 0.9008% | 187 |
| Net interest margin | 3.1457% | 2,903 |
| Noninterest income to average assets | 0.2979% | 3,649 |
| Noninterest expense to average assets | 1.6513% | 4,440 |
| Loan and lease loss provision to assets | 0.3224% | 249 |
| Net operating income to assets | 0.9738% | 2,983 |
| Return on assets (ROA) | 0.9892% | 3,018 |
| Pretax return on assets | 1.2774% | 2,688 |
| Return on Equity (ROE) | 9.5863% | 2,917 |
| Retained earnings to average equity (ytd only) | 7.1936% | 2,359 |
| Net charge-offs to loans | 0.4361% | 192 |
| Credit loss provision to net charge-offs | 87.9828% | 1,446 |
| Earnings coverage of net charge-offs (x) | 4.3124% | 2,035 |
| Efficiency ratio | 51.0999% | 4,134 |
| Assets per employee ($millions) | 14.3047% | 223 |
| Cash dividends to net income (ytd only)* | 24.9603% | 2,304 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3515% | 2,182 |
| Loan loss allowance to noncurrent loans | 246.5870% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.4453% | 1,850 |
| Noncurrent loans to loans | 0.5481% | 2,030 |
| Net loans and leases to total assets | 80.1420% | 307 |
| Net loans and leases to deposits | 98.7872% | 289 |
| Net loans and leases to core deposits | 117.2755% | 249 |
| Total domestic deposits to total assets | 81.1259% | 4,078 |
| Equity capital to assets | 10.1665% | 2,708 |
| Core capital (leverage) ratio | 10.4010% | 2,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2710% | 2,623 |
| Memoranda: |
| Average total assets | $635,846,667 | 1,396 |
| Average earning assets | $593,008,000 | 1,396 |
| Average equity | $65,614,333 | 1,423 |
| Average total loans | $534,328,667 | 1,136 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0311% | 1,542 |
| Cost of funding earning assets | 0.9819% | 149 |
| Net interest margin | 3.0492% | 3,129 |
| Noninterest income to average assets | 0.5135% | 2,551 |
| Noninterest expense to average assets | 1.7030% | 4,370 |
| Loan and lease loss provision to assets | 0.4162% | 181 |
| Net operating income to assets | 0.9501% | 2,971 |
| Return on assets (ROA) | 0.9815% | 2,962 |
| Pretax return on assets | 1.2792% | 2,626 |
| Return on Equity (ROE) | 9.4378% | 2,871 |
| Retained earnings to average equity (ytd only) | 6.3596% | 2,774 |
| Net charge-offs to loans | 0.3744% | 227 |
| Credit loss provision to net charge-offs | 130.0000% | 1,019 |
| Earnings coverage of net charge-offs (x) | 5.1720% | 1,694 |
| Efficiency ratio | 50.7053% | 4,125 |
| Assets per employee ($millions) | 13.2219% | 269 |
| Cash dividends to net income (ytd only)* | 32.6158% | 1,627 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3835% | 2,035 |
| Loan loss allowance to noncurrent loans | 72.4337% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 1.6348% | 360 |
| Noncurrent loans to loans | 1.9101% | 582 |
| Net loans and leases to total assets | 84.4025% | 135 |
| Net loans and leases to deposits | 106.0148% | 169 |
| Net loans and leases to core deposits | 128.0868% | 165 |
| Total domestic deposits to total assets | 79.6139% | 4,251 |
| Equity capital to assets | 10.3581% | 2,386 |
| Core capital (leverage) ratio | 10.6876% | 1,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1643% | 2,602 |
| Memoranda: |
| Average total assets | $624,761,500 | 1,401 |
| Average earning assets | $582,972,500 | 1,400 |
| Average equity | $64,973,000 | 1,426 |
| Average total loans | $534,206,500 | 1,138 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2120% | 2,100 |
| Cost of funding earning assets | 1.3403% | 158 |
| Net interest margin | 2.8717% | 4,164 |
| Noninterest income to average assets | 0.2012% | 4,269 |
| Noninterest expense to average assets | 1.7155% | 4,602 |
| Loan and lease loss provision to assets | 0.4134% | 731 |
| Net operating income to assets | 0.5877% | 3,795 |
| Return on assets (ROA) | 0.5877% | 3,897 |
| Pretax return on assets | 0.7375% | 3,796 |
| Return on Equity (ROE) | 5.3973% | 3,778 |
| Retained earnings to average equity (ytd only) | 3.5070% | 3,075 |
| Net charge-offs to loans | 0.0844% | 1,617 |
| Credit loss provision to net charge-offs | 578.3133% | 1,133 |
| Earnings coverage of net charge-offs (x) | 16.1012% | 2,146 |
| Efficiency ratio | 59.8486% | 3,485 |
| Assets per employee ($millions) | 13.6638% | 230 |
| Cash dividends to net income (ytd only)* | 35.0234% | 2,612 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4022% | 1,964 |
| Loan loss allowance to noncurrent loans | 152.8008% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 0.7839% | 1,305 |
| Noncurrent loans to loans | 0.9177% | 1,535 |
| Net loans and leases to total assets | 84.2243% | 166 |
| Net loans and leases to deposits | 110.0832% | 164 |
| Net loans and leases to core deposits | 136.7021% | 145 |
| Total domestic deposits to total assets | 76.5097% | 4,468 |
| Equity capital to assets | 10.4425% | 2,722 |
| Core capital (leverage) ratio | 10.9692% | 1,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3554% | 2,502 |
| Memoranda: |
| Average total assets | $580,582,400 | 1,369 |
| Average earning assets | $538,837,000 | 1,377 |
| Average equity | $63,216,600 | 1,393 |
| Average total loans | $491,860,600 | 1,158 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2954% | 2,111 |
| Cost of funding earning assets | 1.4177% | 158 |
| Net interest margin | 2.8777% | 4,216 |
| Noninterest income to average assets | 0.2042% | 4,248 |
| Noninterest expense to average assets | 1.7319% | 4,586 |
| Loan and lease loss provision to assets | 0.4313% | 768 |
| Net operating income to assets | 0.5373% | 3,935 |
| Return on assets (ROA) | 0.5373% | 4,027 |
| Pretax return on assets | 0.7086% | 3,884 |
| Return on Equity (ROE) | 4.8806% | 3,926 |
| Retained earnings to average equity (ytd only) | 3.4090% | 3,354 |
| Net charge-offs to loans | 0.0593% | 1,761 |
| Credit loss provision to net charge-offs | 860.4651% | 928 |
| Earnings coverage of net charge-offs (x) | 22.7442% | 1,826 |
| Efficiency ratio | 60.3084% | 3,347 |
| Assets per employee ($millions) | 12.9721% | 257 |
| Cash dividends to net income (ytd only)* | 30.1518% | 2,360 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4026% | 1,729 |
| Loan loss allowance to noncurrent loans | 144.6690% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 0.8307% | 1,388 |
| Noncurrent loans to loans | 0.9695% | 1,547 |
| Net loans and leases to total assets | 84.4752% | 241 |
| Net loans and leases to deposits | 110.1438% | 225 |
| Net loans and leases to core deposits | 139.3697% | 168 |
| Total domestic deposits to total assets | 76.6954% | 4,363 |
| Equity capital to assets | 10.9223% | 2,450 |
| Core capital (leverage) ratio | 11.1184% | 1,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9600% | 2,219 |
| Memoranda: |
| Average total assets | $572,010,500 | 1,364 |
| Average earning assets | $530,229,750 | 1,376 |
| Average equity | $62,968,750 | 1,386 |
| Average total loans | $483,517,000 | 1,166 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4792% | 1,981 |
| Cost of funding earning assets | 1.5117% | 160 |
| Net interest margin | 2.9675% | 4,194 |
| Noninterest income to average assets | 0.2151% | 4,198 |
| Noninterest expense to average assets | 1.7655% | 4,607 |
| Loan and lease loss provision to assets | 0.3873% | 1,061 |
| Net operating income to assets | 0.6122% | 3,697 |
| Return on assets (ROA) | 0.6122% | 3,776 |
| Pretax return on assets | 0.8101% | 3,556 |
| Return on Equity (ROE) | 5.5465% | 3,656 |
| Retained earnings to average equity (ytd only) | 4.1751% | 2,833 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5889% | 3,470 |
| Assets per employee ($millions) | 12.8629% | 258 |
| Cash dividends to net income (ytd only)* | 24.7269% | 2,553 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2959% | 2,023 |
| Loan loss allowance to noncurrent loans | 125.2658% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 0.8743% | 1,413 |
| Noncurrent loans to loans | 1.0345% | 1,504 |
| Net loans and leases to total assets | 83.4121% | 300 |
| Net loans and leases to deposits | 106.2022% | 314 |
| Net loans and leases to core deposits | 132.9214% | 229 |
| Total domestic deposits to total assets | 78.5408% | 4,106 |
| Equity capital to assets | 10.7265% | 2,548 |
| Core capital (leverage) ratio | 10.8052% | 2,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8251% | 2,253 |
| Memoranda: |
| Average total assets | $568,099,667 | 1,352 |
| Average earning assets | $526,027,000 | 1,359 |
| Average equity | $62,705,667 | 1,383 |
| Average total loans | $477,978,333 | 1,159 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6792% | 1,778 |
| Cost of funding earning assets | 1.6525% | 156 |
| Net interest margin | 3.0266% | 4,236 |
| Noninterest income to average assets | 0.2107% | 4,288 |
| Noninterest expense to average assets | 1.8752% | 4,572 |
| Loan and lease loss provision to assets | 0.2157% | 1,426 |
| Net operating income to assets | 0.6917% | 3,304 |
| Return on assets (ROA) | 0.6917% | 3,373 |
| Pretax return on assets | 0.9182% | 3,085 |
| Return on Equity (ROE) | 6.1741% | 3,251 |
| Retained earnings to average equity (ytd only) | 4.5696% | 2,471 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3178% | 3,462 |
| Assets per employee ($millions) | 12.1968% | 227 |
| Cash dividends to net income (ytd only)* | 25.9875% | 2,231 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2222% | 2,549 |
| Loan loss allowance to noncurrent loans | 179.2364% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 0.5648% | 2,305 |
| Noncurrent loans to loans | 0.6819% | 2,290 |
| Net loans and leases to total assets | 81.8203% | 452 |
| Net loans and leases to deposits | 103.9075% | 368 |
| Net loans and leases to core deposits | 133.5932% | 227 |
| Total domestic deposits to total assets | 78.7434% | 4,098 |
| Equity capital to assets | 11.1879% | 2,693 |
| Core capital (leverage) ratio | 11.4929% | 2,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4543% | 2,502 |
| Memoranda: |
| Average total assets | $556,302,000 | 1,343 |
| Average earning assets | $514,366,000 | 1,342 |
| Average equity | $62,324,500 | 1,383 |
| Average total loans | $466,955,000 | 1,155 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0374% | 1,375 |
| Cost of funding earning assets | 1.7926% | 145 |
| Net interest margin | 3.2448% | 4,095 |
| Noninterest income to average assets | 0.2593% | 4,123 |
| Noninterest expense to average assets | 1.8466% | 4,720 |
| Loan and lease loss provision to assets | 0.1361% | 1,568 |
| Net operating income to assets | 1.0176% | 2,786 |
| Return on assets (ROA) | 1.0200% | 2,859 |
| Pretax return on assets | 1.2958% | 2,516 |
| Return on Equity (ROE) | 9.2349% | 2,647 |
| Retained earnings to average equity (ytd only) | 9.2349% | 660 |
| Net charge-offs to loans | 0.0398% | 2,591 |
| Credit loss provision to net charge-offs | 409.6045% | 699 |
| Earnings coverage of net charge-offs (x) | 42.9944% | 1,248 |
| Efficiency ratio | 56.3747% | 4,162 |
| Assets per employee ($millions) | 12.2566% | 205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1467% | 2,716 |
| Loan loss allowance to noncurrent loans | 173.7165% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.5615% | 2,204 |
| Noncurrent loans to loans | 0.6601% | 2,239 |
| Net loans and leases to total assets | 84.0892% | 314 |
| Net loans and leases to deposits | 106.0721% | 297 |
| Net loans and leases to core deposits | 137.3371% | 195 |
| Total domestic deposits to total assets | 79.2755% | 4,127 |
| Equity capital to assets | 11.2191% | 2,795 |
| Core capital (leverage) ratio | 11.6756% | 1,980 |
| Tier 1 risk-based capital ratio | 12.1879% | 4,252 |
| Total risk-based capital ratio | 13.2486% | 4,239 |
| Memoranda: |
| Average total assets | $532,546,800 | 1,349 |
| Average earning assets | $495,040,800 | 1,342 |
| Average equity | $58,820,400 | 1,388 |
| Average total loans | $444,998,800 | 1,169 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0699% | 1,357 |
| Cost of funding earning assets | 1.8083% | 136 |
| Net interest margin | 3.2616% | 4,166 |
| Noninterest income to average assets | 0.1816% | 4,639 |
| Noninterest expense to average assets | 1.8307% | 4,778 |
| Loan and lease loss provision to assets | 0.1326% | 1,449 |
| Net operating income to assets | 0.9244% | 3,259 |
| Return on assets (ROA) | 0.9276% | 3,315 |
| Pretax return on assets | 1.2550% | 2,801 |
| Return on Equity (ROE) | 8.4331% | 3,142 |
| Retained earnings to average equity (ytd only) | 8.4331% | 1,232 |
| Net charge-offs to loans | 0.0386% | 2,317 |
| Credit loss provision to net charge-offs | 413.3858% | 735 |
| Earnings coverage of net charge-offs (x) | 43.1257% | 1,300 |
| Efficiency ratio | 56.9554% | 4,070 |
| Assets per employee ($millions) | 11.9264% | 222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1596% | 2,720 |
| Loan loss allowance to noncurrent loans | 513.7525% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.1897% | 3,811 |
| Noncurrent loans to loans | 0.2257% | 3,737 |
| Net loans and leases to total assets | 83.0621% | 445 |
| Net loans and leases to deposits | 106.3433% | 307 |
| Net loans and leases to core deposits | 142.7141% | 160 |
| Total domestic deposits to total assets | 78.1075% | 4,325 |
| Equity capital to assets | 11.1966% | 2,931 |
| Core capital (leverage) ratio | 11.3451% | 2,345 |
| Tier 1 risk-based capital ratio | 12.0348% | 4,402 |
| Total risk-based capital ratio | 13.0828% | 4,383 |
| Memoranda: |
| Average total assets | $527,796,250 | 1,362 |
| Average earning assets | $490,749,500 | 1,355 |
| Average equity | $58,055,750 | 1,402 |
| Average total loans | $438,955,250 | 1,189 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0067% | 1,467 |
| Cost of funding earning assets | 1.7718% | 143 |
| Net interest margin | 3.2348% | 4,277 |
| Noninterest income to average assets | 0.1551% | 4,802 |
| Noninterest expense to average assets | 1.8170% | 4,860 |
| Loan and lease loss provision to assets | 0.1524% | 1,196 |
| Net operating income to assets | 0.8823% | 3,350 |
| Return on assets (ROA) | 0.8871% | 3,399 |
| Pretax return on assets | 1.2015% | 2,896 |
| Return on Equity (ROE) | 8.1147% | 3,240 |
| Retained earnings to average equity (ytd only) | 8.1147% | 1,344 |
| Net charge-offs to loans | 0.0602% | 1,785 |
| Credit loss provision to net charge-offs | 305.3435% | 890 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 1,557 |
| Efficiency ratio | 57.4112% | 4,081 |
| Assets per employee ($millions) | 11.8930% | 213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1648% | 2,702 |
| Loan loss allowance to noncurrent loans | 397.6617% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.2397% | 3,611 |
| Noncurrent loans to loans | 0.2929% | 3,481 |
| Net loans and leases to total assets | 80.8878% | 748 |
| Net loans and leases to deposits | 101.5115% | 574 |
| Net loans and leases to core deposits | 135.9891% | 237 |
| Total domestic deposits to total assets | 79.6834% | 4,099 |
| Equity capital to assets | 10.9730% | 3,095 |
| Core capital (leverage) ratio | 11.5373% | 2,128 |
| Tier 1 risk-based capital ratio | 12.1298% | 4,343 |
| Total risk-based capital ratio | 13.1839% | 4,342 |
| Memoranda: |
| Average total assets | $524,831,670 | 1,366 |
| Average earning assets | $488,309,000 | 1,361 |
| Average equity | $57,377,330 | 1,410 |
| Average total loans | $434,935,000 | 1,195 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0403% | 1,236 |
| Cost of funding earning assets | 1.7709% | 114 |
| Net interest margin | 3.2694% | 4,232 |
| Noninterest income to average assets | 0.1563% | 4,804 |
| Noninterest expense to average assets | 1.8397% | 4,874 |
| Loan and lease loss provision to assets | 0.1732% | 967 |
| Net operating income to assets | 0.8729% | 3,337 |
| Return on assets (ROA) | 0.8729% | 3,385 |
| Pretax return on assets | 1.1831% | 2,866 |
| Return on Equity (ROE) | 7.9996% | 3,262 |
| Retained earnings to average equity (ytd only) | 7.9996% | 1,657 |
| Net charge-offs to loans | 0.0951% | 1,182 |
| Credit loss provision to net charge-offs | 218.4466% | 995 |
| Earnings coverage of net charge-offs (x) | 17.1068% | 1,672 |
| Efficiency ratio | 57.5626% | 4,141 |
| Assets per employee ($millions) | 12.1400% | 203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1523% | 2,833 |
| Loan loss allowance to noncurrent loans | 385.5253% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.2462% | 3,633 |
| Noncurrent loans to loans | 0.2989% | 3,489 |
| Net loans and leases to total assets | 81.4076% | 655 |
| Net loans and leases to deposits | 103.3289% | 427 |
| Net loans and leases to core deposits | 130.3384% | 308 |
| Total domestic deposits to total assets | 78.7849% | 4,386 |
| Equity capital to assets | 10.9904% | 2,860 |
| Core capital (leverage) ratio | 11.1506% | 2,429 |
| Tier 1 risk-based capital ratio | 11.9696% | 4,476 |
| Total risk-based capital ratio | 13.0005% | 4,493 |
| Memoranda: |
| Average total assets | $519,654,000 | 1,388 |
| Average earning assets | $483,143,500 | 1,384 |
| Average equity | $56,703,000 | 1,421 |
| Average total loans | $433,401,000 | 1,203 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9573% | 1,137 |
| Cost of funding earning assets | 1.4661% | 102 |
| Net interest margin | 3.4913% | 3,733 |
| Noninterest income to average assets | 0.4381% | 3,184 |
| Noninterest expense to average assets | 2.2296% | 4,276 |
| Loan and lease loss provision to assets | 0.1873% | 1,028 |
| Net operating income to assets | 0.9808% | 3,097 |
| Return on assets (ROA) | 0.9808% | 3,094 |
| Pretax return on assets | 1.2608% | 2,649 |
| Return on Equity (ROE) | 9.7272% | 2,629 |
| Retained earnings to average equity (ytd only) | 9.7272% | 672 |
| Net charge-offs to loans | 0.0941% | 1,821 |
| Credit loss provision to net charge-offs | 234.4560% | 1,261 |
| Earnings coverage of net charge-offs (x) | 18.1269% | 2,156 |
| Efficiency ratio | 59.7805% | 3,897 |
| Assets per employee ($millions) | 12.3164% | 183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1058% | 3,065 |
| Loan loss allowance to noncurrent loans | 500.1035% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.1867% | 3,876 |
| Noncurrent loans to loans | 0.2211% | 3,784 |
| Net loans and leases to total assets | 83.5228% | 453 |
| Net loans and leases to deposits | 104.3833% | 461 |
| Net loans and leases to core deposits | 129.6533% | 330 |
| Total domestic deposits to total assets | 80.0154% | 4,104 |
| Equity capital to assets | 10.8322% | 2,861 |
| Core capital (leverage) ratio | 11.2466% | 2,310 |
| Tier 1 risk-based capital ratio | 11.6136% | 4,659 |
| Total risk-based capital ratio | 12.6086% | 4,696 |
| Memoranda: |
| Average total assets | $483,184,200 | 1,449 |
| Average earning assets | $448,345,800 | 1,454 |
| Average equity | $48,719,000 | 1,549 |
| Average total loans | $410,193,800 | 1,230 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8806% | 1,212 |
| Cost of funding earning assets | 1.3897% | 101 |
| Net interest margin | 3.4909% | 3,722 |
| Noninterest income to average assets | 0.5067% | 2,825 |
| Noninterest expense to average assets | 2.2598% | 4,201 |
| Loan and lease loss provision to assets | 0.2022% | 859 |
| Net operating income to assets | 0.9520% | 3,299 |
| Return on assets (ROA) | 0.9520% | 3,310 |
| Pretax return on assets | 1.2826% | 2,688 |
| Return on Equity (ROE) | 9.6364% | 2,785 |
| Retained earnings to average equity (ytd only) | 9.6364% | 1,015 |
| Net charge-offs to loans | 0.1067% | 1,420 |
| Credit loss provision to net charge-offs | 222.9102% | 1,281 |
| Earnings coverage of net charge-offs (x) | 16.3652% | 2,166 |
| Efficiency ratio | 60.3481% | 3,760 |
| Assets per employee ($millions) | 10.6077% | 276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0616% | 3,405 |
| Loan loss allowance to noncurrent loans | 904.0307% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.1023% | 4,464 |
| Noncurrent loans to loans | 0.1174% | 4,363 |
| Net loans and leases to total assets | 86.2136% | 247 |
| Net loans and leases to deposits | 110.0376% | 284 |
| Net loans and leases to core deposits | 135.6400% | 249 |
| Total domestic deposits to total assets | 78.3492% | 4,431 |
| Equity capital to assets | 9.5287% | 4,049 |
| Core capital (leverage) ratio | 10.1229% | 3,498 |
| Tier 1 risk-based capital ratio | 9.9180% | 5,395 |
| Total risk-based capital ratio | 10.8725% | 5,406 |
| Memoranda: |
| Average total assets | $474,658,000 | 1,478 |
| Average earning assets | $440,263,750 | 1,482 |
| Average equity | $46,890,250 | 1,596 |
| Average total loans | $403,521,000 | 1,247 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8289% | 1,179 |
| Cost of funding earning assets | 1.3255% | 101 |
| Net interest margin | 3.5033% | 3,617 |
| Noninterest income to average assets | 0.4940% | 2,895 |
| Noninterest expense to average assets | 2.2977% | 4,150 |
| Loan and lease loss provision to assets | 0.2008% | 854 |
| Net operating income to assets | 0.9189% | 3,383 |
| Return on assets (ROA) | 0.9189% | 3,385 |
| Pretax return on assets | 1.2436% | 2,749 |
| Return on Equity (ROE) | 9.1827% | 2,939 |
| Retained earnings to average equity (ytd only) | 9.1827% | 1,159 |
| Net charge-offs to loans | 0.1661% | 935 |
| Credit loss provision to net charge-offs | 143.5185% | 1,618 |
| Earnings coverage of net charge-offs (x) | 10.3241% | 2,334 |
| Efficiency ratio | 61.4009% | 3,712 |
| Assets per employee ($millions) | 9.1452% | 420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1163% | 3,168 |
| Loan loss allowance to noncurrent loans | 850.0000% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.1102% | 4,446 |
| Noncurrent loans to loans | 0.1313% | 4,318 |
| Net loans and leases to total assets | 82.9621% | 583 |
| Net loans and leases to deposits | 102.8837% | 604 |
| Net loans and leases to core deposits | 130.8633% | 317 |
| Total domestic deposits to total assets | 80.6368% | 4,090 |
| Equity capital to assets | 9.9564% | 3,671 |
| Core capital (leverage) ratio | 10.1822% | 3,380 |
| Tier 1 risk-based capital ratio | 10.4291% | 5,298 |
| Total risk-based capital ratio | 11.4033% | 5,319 |
| Memoranda: |
| Average total assets | $463,154,330 | 1,526 |
| Average earning assets | $429,417,670 | 1,517 |
| Average equity | $46,348,000 | 1,623 |
| Average total loans | $390,133,670 | 1,285 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6610% | 1,405 |
| Cost of funding earning assets | 1.2507% | 109 |
| Net interest margin | 3.4103% | 3,847 |
| Noninterest income to average assets | 0.4394% | 3,187 |
| Noninterest expense to average assets | 2.2470% | 4,308 |
| Loan and lease loss provision to assets | 0.1751% | 996 |
| Net operating income to assets | 0.8762% | 3,383 |
| Return on assets (ROA) | 0.8762% | 3,400 |
| Pretax return on assets | 1.1800% | 2,842 |
| Return on Equity (ROE) | 8.7332% | 3,035 |
| Retained earnings to average equity (ytd only) | 8.7332% | 1,562 |
| Net charge-offs to loans | 0.0259% | 1,984 |
| Credit loss provision to net charge-offs | 800.0000% | 410 |
| Earnings coverage of net charge-offs (x) | 61.9200% | 828 |
| Efficiency ratio | 62.3815% | 3,718 |
| Assets per employee ($millions) | 9.1341% | 422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1435% | 3,125 |
| Loan loss allowance to noncurrent loans | 147.6802% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 0.6524% | 2,371 |
| Noncurrent loans to loans | 0.7743% | 2,268 |
| Net loans and leases to total assets | 83.2918% | 511 |
| Net loans and leases to deposits | 106.0659% | 379 |
| Net loans and leases to core deposits | 145.8984% | 156 |
| Total domestic deposits to total assets | 78.5284% | 4,645 |
| Equity capital to assets | 9.9288% | 3,667 |
| Core capital (leverage) ratio | 10.3577% | 3,109 |
| Tier 1 risk-based capital ratio | 10.5215% | 5,346 |
| Total risk-based capital ratio | 11.5358% | 5,342 |
| Memoranda: |
| Average total assets | $456,955,500 | 1,549 |
| Average earning assets | $423,769,000 | 1,541 |
| Average equity | $45,848,000 | 1,647 |
| Average total loans | $385,709,500 | 1,300 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5864% | 1,468 |
| Cost of funding earning assets | 1.1607% | 92 |
| Net interest margin | 3.4257% | 3,769 |
| Noninterest income to average assets | 0.6364% | 2,266 |
| Noninterest expense to average assets | 2.4065% | 4,056 |
| Loan and lease loss provision to assets | 0.1664% | 1,325 |
| Net operating income to assets | 0.7208% | 3,517 |
| Return on assets (ROA) | 0.7208% | 3,559 |
| Pretax return on assets | 1.2300% | 2,637 |
| Return on Equity (ROE) | 6.9744% | 3,292 |
| Retained earnings to average equity (ytd only) | 6.9744% | 1,082 |
| Net charge-offs to loans | 0.1093% | 1,974 |
| Credit loss provision to net charge-offs | 179.4344% | 1,509 |
| Earnings coverage of net charge-offs (x) | 15.0591% | 2,271 |
| Efficiency ratio | 63.2819% | 3,718 |
| Assets per employee ($millions) | 9.1443% | 431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1382% | 3,126 |
| Loan loss allowance to noncurrent loans | 1,310.9422% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.0734% | 4,751 |
| Noncurrent loans to loans | 0.0868% | 4,612 |
| Net loans and leases to total assets | 83.6054% | 489 |
| Net loans and leases to deposits | 104.4660% | 475 |
| Net loans and leases to core deposits | 141.9370% | 190 |
| Total domestic deposits to total assets | 80.0312% | 4,332 |
| Equity capital to assets | 10.1421% | 3,545 |
| Core capital (leverage) ratio | 10.4059% | 2,957 |
| Tier 1 risk-based capital ratio | 10.7639% | 5,266 |
| Total risk-based capital ratio | 11.7830% | 5,261 |
| Memoranda: |
| Average total assets | $419,523,000 | 1,635 |
| Average earning assets | $387,779,800 | 1,638 |
| Average equity | $43,358,600 | 1,716 |
| Average total loans | $355,858,800 | 1,362 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5253% | 1,575 |
| Cost of funding earning assets | 1.1337% | 99 |
| Net interest margin | 3.3916% | 3,874 |
| Noninterest income to average assets | 0.5118% | 2,961 |
| Noninterest expense to average assets | 2.3854% | 4,055 |
| Loan and lease loss provision to assets | 0.1545% | 1,338 |
| Net operating income to assets | 0.7022% | 3,970 |
| Return on assets (ROA) | 0.7022% | 4,032 |
| Pretax return on assets | 1.1057% | 3,281 |
| Return on Equity (ROE) | 6.7603% | 3,781 |
| Retained earnings to average equity (ytd only) | 6.7603% | 1,816 |
| Net charge-offs to loans | 0.1680% | 1,237 |
| Credit loss provision to net charge-offs | 108.3900% | 2,162 |
| Earnings coverage of net charge-offs (x) | 8.8389% | 2,737 |
| Efficiency ratio | 65.4310% | 3,305 |
| Assets per employee ($millions) | 9.2167% | 399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0755% | 3,632 |
| Loan loss allowance to noncurrent loans | 78.6646% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 1.1859% | 1,389 |
| Noncurrent loans to loans | 1.3672% | 1,378 |
| Net loans and leases to total assets | 85.8015% | 268 |
| Net loans and leases to deposits | 109.8497% | 277 |
| Net loans and leases to core deposits | 144.2413% | 161 |
| Total domestic deposits to total assets | 78.1081% | 4,706 |
| Equity capital to assets | 10.3288% | 3,560 |
| Core capital (leverage) ratio | 10.6551% | 2,821 |
| Tier 1 risk-based capital ratio | 10.5246% | 5,440 |
| Total risk-based capital ratio | 11.4761% | 5,486 |
| Memoranda: |
| Average total assets | $412,385,500 | 1,674 |
| Average earning assets | $381,049,000 | 1,675 |
| Average equity | $42,837,250 | 1,750 |
| Average total loans | $350,092,000 | 1,388 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4963% | 1,518 |
| Cost of funding earning assets | 1.1039% | 99 |
| Net interest margin | 3.3924% | 3,798 |
| Noninterest income to average assets | 0.4706% | 3,217 |
| Noninterest expense to average assets | 2.3865% | 4,086 |
| Loan and lease loss provision to assets | 0.1371% | 1,510 |
| Net operating income to assets | 0.6827% | 3,921 |
| Return on assets (ROA) | 0.6827% | 3,987 |
| Pretax return on assets | 1.0788% | 3,267 |
| Return on Equity (ROE) | 6.5589% | 3,796 |
| Retained earnings to average equity (ytd only) | 6.5589% | 1,811 |
| Net charge-offs to loans | 0.0662% | 1,986 |
| Credit loss provision to net charge-offs | 246.0177% | 1,094 |
| Earnings coverage of net charge-offs (x) | 21.8142% | 1,736 |
| Efficiency ratio | 66.2467% | 3,310 |
| Assets per employee ($millions) | 8.8471% | 442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1935% | 3,059 |
| Loan loss allowance to noncurrent loans | 1,108.7766% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.0904% | 4,828 |
| Noncurrent loans to loans | 0.1076% | 4,693 |
| Net loans and leases to total assets | 83.0054% | 554 |
| Net loans and leases to deposits | 105.2415% | 429 |
| Net loans and leases to core deposits | 140.4712% | 182 |
| Total domestic deposits to total assets | 78.8714% | 4,648 |
| Equity capital to assets | 10.5691% | 3,260 |
| Core capital (leverage) ratio | 10.8616% | 2,540 |
| Tier 1 risk-based capital ratio | 10.9281% | 5,292 |
| Total risk-based capital ratio | 11.9657% | 5,306 |
| Memoranda: |
| Average total assets | $405,451,670 | 1,695 |
| Average earning assets | $374,309,000 | 1,705 |
| Average equity | $42,202,000 | 1,768 |
| Average total loans | $341,548,670 | 1,412 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4172% | 1,597 |
| Cost of funding earning assets | 1.0857% | 106 |
| Net interest margin | 3.3315% | 3,916 |
| Noninterest income to average assets | 0.3638% | 3,931 |
| Noninterest expense to average assets | 2.3344% | 4,311 |
| Loan and lease loss provision to assets | 0.0799% | 2,210 |
| Net operating income to assets | 0.6536% | 3,917 |
| Return on assets (ROA) | 0.6536% | 3,953 |
| Pretax return on assets | 1.0313% | 3,231 |
| Return on Equity (ROE) | 6.3297% | 3,749 |
| Retained earnings to average equity (ytd only) | 6.3297% | 2,173 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7494% | 3,242 |
| Assets per employee ($millions) | 9.4680% | 366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1959% | 3,158 |
| Loan loss allowance to noncurrent loans | 355.1304% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.2825% | 4,077 |
| Noncurrent loans to loans | 0.3368% | 3,896 |
| Net loans and leases to total assets | 82.8752% | 477 |
| Net loans and leases to deposits | 105.2920% | 349 |
| Net loans and leases to core deposits | 122.7718% | 394 |
| Total domestic deposits to total assets | 78.7099% | 4,880 |
| Equity capital to assets | 10.2335% | 3,480 |
| Core capital (leverage) ratio | 10.3477% | 3,064 |
| Tier 1 risk-based capital ratio | 10.5714% | 5,510 |
| Total risk-based capital ratio | 11.6129% | 5,532 |
| Memoranda: |
| Average total assets | $400,270,000 | 1,732 |
| Average earning assets | $370,280,500 | 1,733 |
| Average equity | $41,329,000 | 1,803 |
| Average total loans | $337,664,000 | 1,430 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3724% | 1,907 |
| Cost of funding earning assets | 0.9758% | 200 |
| Net interest margin | 3.3966% | 3,838 |
| Noninterest income to average assets | 1.0467% | 1,029 |
| Noninterest expense to average assets | 2.6590% | 3,490 |
| Loan and lease loss provision to assets | 0.2753% | 727 |
| Net operating income to assets | 0.8440% | 3,092 |
| Return on assets (ROA) | 0.8450% | 3,203 |
| Pretax return on assets | 1.2801% | 2,355 |
| Return on Equity (ROE) | 8.3037% | 2,778 |
| Retained earnings to average equity (ytd only) | 7.6457% | 982 |
| Net charge-offs to loans | 0.0662% | 2,747 |
| Credit loss provision to net charge-offs | 502.1053% | 659 |
| Earnings coverage of net charge-offs (x) | 28.3421% | 1,475 |
| Efficiency ratio | 63.1139% | 4,089 |
| Assets per employee ($millions) | 10.3531% | 280 |
| Cash dividends to net income (ytd only)* | 7.9235% | 4,058 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1994% | 3,131 |
| Loan loss allowance to noncurrent loans | 504.2821% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.2018% | 4,518 |
| Noncurrent loans to loans | 0.2378% | 4,296 |
| Net loans and leases to total assets | 83.8388% | 394 |
| Net loans and leases to deposits | 106.3987% | 328 |
| Net loans and leases to core deposits | 138.2166% | 192 |
| Total domestic deposits to total assets | 78.7968% | 4,839 |
| Equity capital to assets | 10.4202% | 3,247 |
| Core capital (leverage) ratio | 10.8798% | 2,460 |
| Tier 1 risk-based capital ratio | 11.0662% | 5,307 |
| Total risk-based capital ratio | 12.1461% | 5,284 |
| Memoranda: |
| Average total assets | $346,527,200 | 1,916 |
| Average earning assets | $323,027,800 | 1,905 |
| Average equity | $35,261,600 | 2,060 |
| Average total loans | $286,873,600 | 1,577 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3198% | 2,105 |
| Cost of funding earning assets | 0.9599% | 215 |
| Net interest margin | 3.3598% | 3,996 |
| Noninterest income to average assets | 1.2270% | 768 |
| Noninterest expense to average assets | 2.8637% | 2,772 |
| Loan and lease loss provision to assets | 0.2405% | 797 |
| Net operating income to assets | 0.7924% | 3,404 |
| Return on assets (ROA) | 0.7937% | 3,538 |
| Pretax return on assets | 1.2608% | 2,572 |
| Return on Equity (ROE) | 7.8552% | 3,083 |
| Retained earnings to average equity (ytd only) | 6.9408% | 1,661 |
| Net charge-offs to loans | 0.0727% | 2,276 |
| Credit loss provision to net charge-offs | 402.6667% | 835 |
| Earnings coverage of net charge-offs (x) | 25.0994% | 1,648 |
| Efficiency ratio | 65.6353% | 3,654 |
| Assets per employee ($millions) | 9.5132% | 349 |
| Cash dividends to net income (ytd only)* | 11.6409% | 3,508 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2107% | 3,169 |
| Loan loss allowance to noncurrent loans | 461.7500% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.2213% | 4,552 |
| Noncurrent loans to loans | 0.2622% | 4,324 |
| Net loans and leases to total assets | 83.3785% | 472 |
| Net loans and leases to deposits | 108.3350% | 299 |
| Net loans and leases to core deposits | 149.6012% | 128 |
| Total domestic deposits to total assets | 76.9636% | 5,098 |
| Equity capital to assets | 10.4553% | 3,611 |
| Core capital (leverage) ratio | 10.9960% | 2,451 |
| Tier 1 risk-based capital ratio | 11.4688% | 5,106 |
| Total risk-based capital ratio | 12.5958% | 5,083 |
| Memoranda: |
| Average total assets | $334,804,750 | 1,979 |
| Average earning assets | $312,509,750 | 1,961 |
| Average equity | $33,828,250 | 2,154 |
| Average total loans | $275,132,000 | 1,639 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3456% | 1,998 |
| Cost of funding earning assets | 0.9612% | 208 |
| Net interest margin | 3.3844% | 3,948 |
| Noninterest income to average assets | 0.9518% | 1,234 |
| Noninterest expense to average assets | 2.7290% | 3,277 |
| Loan and lease loss provision to assets | 0.1252% | 1,824 |
| Net operating income to assets | 0.7978% | 3,321 |
| Return on assets (ROA) | 0.7978% | 3,463 |
| Pretax return on assets | 1.2654% | 2,538 |
| Return on Equity (ROE) | 7.9986% | 2,972 |
| Retained earnings to average equity (ytd only) | 6.5712% | 1,833 |
| Net charge-offs to loans | 0.0777% | 2,083 |
| Credit loss provision to net charge-offs | 198.0583% | 1,319 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,646 |
| Efficiency ratio | 66.2446% | 3,646 |
| Assets per employee ($millions) | 8.6477% | 450 |
| Cash dividends to net income (ytd only)* | 17.8462% | 3,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2147% | 3,270 |
| Loan loss allowance to noncurrent loans | 1,270.3422% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.0780% | 5,217 |
| Noncurrent loans to loans | 0.0956% | 5,068 |
| Net loans and leases to total assets | 80.5642% | 818 |
| Net loans and leases to deposits | 103.3016% | 490 |
| Net loans and leases to core deposits | 144.0485% | 154 |
| Total domestic deposits to total assets | 77.9893% | 5,005 |
| Equity capital to assets | 11.0159% | 3,041 |
| Core capital (leverage) ratio | 11.3506% | 2,099 |
| Tier 1 risk-based capital ratio | 12.5578% | 4,476 |
| Total risk-based capital ratio | 13.6949% | 4,470 |
| Memoranda: |
| Average total assets | $325,905,670 | 2,037 |
| Average earning assets | $305,043,330 | 2,018 |
| Average equity | $32,505,670 | 2,222 |
| Average total loans | $265,139,670 | 1,698 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4614% | 1,623 |
| Cost of funding earning assets | 0.9581% | 216 |
| Net interest margin | 3.5033% | 3,468 |
| Noninterest income to average assets | 0.8282% | 1,526 |
| Noninterest expense to average assets | 2.6031% | 3,739 |
| Loan and lease loss provision to assets | 0.1374% | 1,526 |
| Net operating income to assets | 0.8606% | 2,947 |
| Return on assets (ROA) | 0.8606% | 3,061 |
| Pretax return on assets | 1.3715% | 1,996 |
| Return on Equity (ROE) | 9.1311% | 2,354 |
| Retained earnings to average equity (ytd only) | 6.0565% | 2,348 |
| Net charge-offs to loans | 0.1599% | 1,170 |
| Credit loss provision to net charge-offs | 105.7692% | 1,556 |
| Earnings coverage of net charge-offs (x) | 11.6154% | 1,848 |
| Efficiency ratio | 63.3050% | 4,259 |
| Assets per employee ($millions) | 8.7015% | 438 |
| Cash dividends to net income (ytd only)* | 33.6720% | 2,277 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2583% | 3,123 |
| Loan loss allowance to noncurrent loans | 551.1036% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.1829% | 4,834 |
| Noncurrent loans to loans | 0.2283% | 4,611 |
| Net loans and leases to total assets | 79.1167% | 934 |
| Net loans and leases to deposits | 102.9122% | 467 |
| Net loans and leases to core deposits | 142.5332% | 150 |
| Total domestic deposits to total assets | 76.8779% | 5,305 |
| Equity capital to assets | 9.4578% | 4,708 |
| Core capital (leverage) ratio | 9.6979% | 3,915 |
| Tier 1 risk-based capital ratio | 11.0163% | 5,493 |
| Total risk-based capital ratio | 12.1969% | 5,441 |
| Memoranda: |
| Average total assets | $320,229,000 | 2,085 |
| Average earning assets | $300,172,000 | 2,059 |
| Average equity | $30,182,500 | 2,356 |
| Average total loans | $260,184,000 | 1,728 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6103% | 1,308 |
| Cost of funding earning assets | 1.0315% | 142 |
| Net interest margin | 3.5789% | 3,213 |
| Noninterest income to average assets | 0.5022% | 3,311 |
| Noninterest expense to average assets | 2.2333% | 4,970 |
| Loan and lease loss provision to assets | 0.2395% | 802 |
| Net operating income to assets | 0.8835% | 2,964 |
| Return on assets (ROA) | 0.8859% | 3,034 |
| Pretax return on assets | 1.3816% | 1,974 |
| Return on Equity (ROE) | 9.3364% | 2,304 |
| Retained earnings to average equity (ytd only) | 6.3940% | 1,604 |
| Net charge-offs to loans | 0.0816% | 2,666 |
| Credit loss provision to net charge-offs | 351.2563% | 851 |
| Earnings coverage of net charge-offs (x) | 23.7236% | 1,714 |
| Efficiency ratio | 57.9982% | 5,146 |
| Assets per employee ($millions) | 8.8473% | 402 |
| Cash dividends to net income (ytd only)* | 31.5159% | 3,266 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2348% | 3,276 |
| Loan loss allowance to noncurrent loans | 964.2857% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.1055% | 5,182 |
| Noncurrent loans to loans | 0.1280% | 4,981 |
| Net loans and leases to total assets | 81.3687% | 656 |
| Net loans and leases to deposits | 103.8921% | 447 |
| Net loans and leases to core deposits | 139.5590% | 170 |
| Total domestic deposits to total assets | 78.3204% | 5,098 |
| Equity capital to assets | 9.3924% | 4,676 |
| Core capital (leverage) ratio | 9.5460% | 4,106 |
| Tier 1 risk-based capital ratio | 10.6182% | 5,721 |
| Total risk-based capital ratio | 11.7714% | 5,683 |
| Memoranda: |
| Average total assets | $291,900,200 | 2,198 |
| Average earning assets | $273,104,000 | 2,183 |
| Average equity | $27,698,000 | 2,488 |
| Average total loans | $243,820,200 | 1,769 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6194% | 1,284 |
| Cost of funding earning assets | 0.9955% | 184 |
| Net interest margin | 3.6239% | 3,063 |
| Noninterest income to average assets | 0.4833% | 3,484 |
| Noninterest expense to average assets | 2.2460% | 4,922 |
| Loan and lease loss provision to assets | 0.2730% | 589 |
| Net operating income to assets | 0.8558% | 3,147 |
| Return on assets (ROA) | 0.8591% | 3,215 |
| Pretax return on assets | 1.3574% | 2,187 |
| Return on Equity (ROE) | 9.0254% | 2,563 |
| Retained earnings to average equity (ytd only) | 7.3313% | 1,532 |
| Net charge-offs to loans | 0.0775% | 2,451 |
| Credit loss provision to net charge-offs | 420.1439% | 731 |
| Earnings coverage of net charge-offs (x) | 25.0142% | 1,676 |
| Efficiency ratio | 58.0174% | 5,118 |
| Assets per employee ($millions) | 8.7506% | 409 |
| Cash dividends to net income (ytd only)* | 18.7704% | 3,272 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2390% | 3,439 |
| Loan loss allowance to noncurrent loans | 784.4828% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.1289% | 5,235 |
| Noncurrent loans to loans | 0.1579% | 5,014 |
| Net loans and leases to total assets | 80.5895% | 737 |
| Net loans and leases to deposits | 102.4235% | 524 |
| Net loans and leases to core deposits | 137.6558% | 192 |
| Total domestic deposits to total assets | 78.6826% | 5,055 |
| Equity capital to assets | 9.1188% | 5,197 |
| Core capital (leverage) ratio | 9.2420% | 4,677 |
| Tier 1 risk-based capital ratio | 10.4793% | 5,890 |
| Total risk-based capital ratio | 11.6483% | 5,857 |
| Memoranda: |
| Average total assets | $285,242,000 | 2,254 |
| Average earning assets | $266,664,500 | 2,239 |
| Average equity | $27,152,250 | 2,545 |
| Average total loans | $239,175,000 | 1,811 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5896% | 1,305 |
| Cost of funding earning assets | 0.9774% | 197 |
| Net interest margin | 3.6122% | 3,035 |
| Noninterest income to average assets | 0.4736% | 3,531 |
| Noninterest expense to average assets | 2.2941% | 4,857 |
| Loan and lease loss provision to assets | 0.2862% | 563 |
| Net operating income to assets | 0.8020% | 3,376 |
| Return on assets (ROA) | 0.8071% | 3,449 |
| Pretax return on assets | 1.2705% | 2,469 |
| Return on Equity (ROE) | 8.3447% | 2,878 |
| Retained earnings to average equity (ytd only) | 6.6547% | 1,874 |
| Net charge-offs to loans | 0.0703% | 2,387 |
| Credit loss provision to net charge-offs | 480.4878% | 646 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,499 |
| Efficiency ratio | 59.6975% | 5,021 |
| Assets per employee ($millions) | 8.4870% | 440 |
| Cash dividends to net income (ytd only)* | 20.2520% | 3,177 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2136% | 3,710 |
| Loan loss allowance to noncurrent loans | 647.9830% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.1586% | 5,241 |
| Noncurrent loans to loans | 0.1873% | 5,029 |
| Net loans and leases to total assets | 83.6335% | 400 |
| Net loans and leases to deposits | 107.5673% | 319 |
| Net loans and leases to core deposits | 146.0923% | 127 |
| Total domestic deposits to total assets | 77.7499% | 5,321 |
| Equity capital to assets | 9.4423% | 4,722 |
| Core capital (leverage) ratio | 9.8954% | 3,745 |
| Tier 1 risk-based capital ratio | 11.0752% | 5,675 |
| Total risk-based capital ratio | 12.2847% | 5,616 |
| Memoranda: |
| Average total assets | $275,316,000 | 2,335 |
| Average earning assets | $256,799,330 | 2,316 |
| Average equity | $26,627,670 | 2,600 |
| Average total loans | $233,214,000 | 1,853 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5128% | 1,424 |
| Cost of funding earning assets | 0.9697% | 202 |
| Net interest margin | 3.5431% | 3,249 |
| Noninterest income to average assets | 0.4054% | 3,962 |
| Noninterest expense to average assets | 2.3263% | 4,806 |
| Loan and lease loss provision to assets | 0.1876% | 1,006 |
| Net operating income to assets | 0.7577% | 3,499 |
| Return on assets (ROA) | 0.7684% | 3,574 |
| Pretax return on assets | 1.2131% | 2,617 |
| Return on Equity (ROE) | 7.8403% | 3,046 |
| Retained earnings to average equity (ytd only) | 6.0654% | 2,455 |
| Net charge-offs to loans | 0.0785% | 1,918 |
| Credit loss provision to net charge-offs | 281.8182% | 850 |
| Earnings coverage of net charge-offs (x) | 20.7955% | 1,400 |
| Efficiency ratio | 62.6987% | 4,671 |
| Assets per employee ($millions) | 8.0778% | 526 |
| Cash dividends to net income (ytd only)* | 22.6378% | 2,501 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2337% | 3,770 |
| Loan loss allowance to noncurrent loans | 965.7534% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.1095% | 5,518 |
| Noncurrent loans to loans | 0.1277% | 5,317 |
| Net loans and leases to total assets | 84.6910% | 270 |
| Net loans and leases to deposits | 114.3245% | 154 |
| Net loans and leases to core deposits | 159.9071% | 78 |
| Total domestic deposits to total assets | 74.0795% | 5,899 |
| Equity capital to assets | 9.7997% | 4,386 |
| Core capital (leverage) ratio | 9.9234% | 3,708 |
| Tier 1 risk-based capital ratio | 11.1926% | 5,718 |
| Total risk-based capital ratio | 12.4087% | 5,647 |
| Memoranda: |
| Average total assets | $264,451,000 | 2,430 |
| Average earning assets | $246,677,500 | 2,410 |
| Average equity | $25,917,500 | 2,678 |
| Average total loans | $224,080,000 | 1,919 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6475% | 1,429 |
| Cost of funding earning assets | 0.9556% | 278 |
| Net interest margin | 3.6919% | 3,035 |
| Noninterest income to average assets | 0.3607% | 4,514 |
| Noninterest expense to average assets | 2.3297% | 5,024 |
| Loan and lease loss provision to assets | 0.1354% | 1,934 |
| Net operating income to assets | 0.8651% | 3,043 |
| Return on assets (ROA) | 0.8651% | 3,137 |
| Pretax return on assets | 1.3185% | 2,183 |
| Return on Equity (ROE) | 8.7208% | 2,722 |
| Retained earnings to average equity (ytd only) | 7.4797% | 1,204 |
| Net charge-offs to loans | 0.0508% | 3,815 |
| Credit loss provision to net charge-offs | 326.7327% | 805 |
| Earnings coverage of net charge-offs (x) | 35.0792% | 1,198 |
| Efficiency ratio | 61.5727% | 4,976 |
| Assets per employee ($millions) | 8.4624% | 444 |
| Cash dividends to net income (ytd only)* | 14.2315% | 4,004 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2478% | 3,730 |
| Loan loss allowance to noncurrent loans | 801.1696% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.1304% | 5,509 |
| Noncurrent loans to loans | 0.1558% | 5,273 |
| Net loans and leases to total assets | 82.6583% | 464 |
| Net loans and leases to deposits | 108.7915% | 273 |
| Net loans and leases to core deposits | 144.1861% | 134 |
| Total domestic deposits to total assets | 75.9786% | 5,733 |
| Equity capital to assets | 9.8013% | 4,353 |
| Core capital (leverage) ratio | 9.8811% | 3,734 |
| Tier 1 risk-based capital ratio | 10.6187% | 6,055 |
| Total risk-based capital ratio | 11.7644% | 6,038 |
| Memoranda: |
| Average total assets | $243,677,800 | 2,585 |
| Average earning assets | $225,929,000 | 2,566 |
| Average equity | $24,172,000 | 2,741 |
| Average total loans | $198,739,200 | 2,052 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6161% | 1,521 |
| Cost of funding earning assets | 0.9421% | 316 |
| Net interest margin | 3.6739% | 3,133 |
| Noninterest income to average assets | 0.3029% | 5,021 |
| Noninterest expense to average assets | 2.2949% | 5,126 |
| Loan and lease loss provision to assets | 0.1004% | 2,363 |
| Net operating income to assets | 0.8373% | 3,244 |
| Return on assets (ROA) | 0.8373% | 3,333 |
| Pretax return on assets | 1.3098% | 2,339 |
| Return on Equity (ROE) | 8.4133% | 2,982 |
| Retained earnings to average equity (ytd only) | 8.4133% | 1,185 |
| Net charge-offs to loans | 0.0386% | 3,728 |
| Credit loss provision to net charge-offs | 321.4286% | 869 |
| Earnings coverage of net charge-offs (x) | 45.1457% | 1,040 |
| Efficiency ratio | 61.9392% | 4,889 |
| Assets per employee ($millions) | 7.9523% | 533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2320% | 4,059 |
| Loan loss allowance to noncurrent loans | 1,021.3178% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.1014% | 5,761 |
| Noncurrent loans to loans | 0.1206% | 5,566 |
| Net loans and leases to total assets | 83.0104% | 408 |
| Net loans and leases to deposits | 110.7204% | 199 |
| Net loans and leases to core deposits | 144.7120% | 127 |
| Total domestic deposits to total assets | 74.9730% | 5,928 |
| Equity capital to assets | 9.9842% | 4,181 |
| Core capital (leverage) ratio | 10.3634% | 3,194 |
| Tier 1 risk-based capital ratio | 10.6882% | 6,134 |
| Total risk-based capital ratio | 11.8059% | 6,136 |
| Memoranda: |
| Average total assets | $239,014,000 | 2,639 |
| Average earning assets | $221,337,000 | 2,620 |
| Average equity | $23,787,000 | 2,781 |
| Average total loans | $193,529,000 | 2,096 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5604% | 1,642 |
| Cost of funding earning assets | 0.9418% | 327 |
| Net interest margin | 3.6186% | 3,287 |
| Noninterest income to average assets | 0.2095% | 5,701 |
| Noninterest expense to average assets | 2.2569% | 5,263 |
| Loan and lease loss provision to assets | 0.0171% | 3,919 |
| Net operating income to assets | 0.8270% | 3,195 |
| Return on assets (ROA) | 0.8270% | 3,292 |
| Pretax return on assets | 1.2905% | 2,288 |
| Return on Equity (ROE) | 8.3194% | 2,925 |
| Retained earnings to average equity (ytd only) | 8.3194% | 1,202 |
| Net charge-offs to loans | -0.0021% | 5,065 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3157% | 4,800 |
| Assets per employee ($millions) | 8.3014% | 440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2771% | 3,983 |
| Loan loss allowance to noncurrent loans | 931.2500% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.1130% | 5,818 |
| Noncurrent loans to loans | 0.1371% | 5,596 |
| Net loans and leases to total assets | 81.3331% | 539 |
| Net loans and leases to deposits | 108.7342% | 232 |
| Net loans and leases to core deposits | 138.5914% | 146 |
| Total domestic deposits to total assets | 74.7999% | 6,036 |
| Equity capital to assets | 10.3360% | 3,640 |
| Core capital (leverage) ratio | 10.4666% | 2,982 |
| Tier 1 risk-based capital ratio | 11.1771% | 5,974 |
| Total risk-based capital ratio | 12.3250% | 5,957 |
| Memoranda: |
| Average total assets | $233,861,000 | 2,691 |
| Average earning assets | $216,824,330 | 2,671 |
| Average equity | $23,247,000 | 2,824 |
| Average total loans | $186,747,330 | 2,163 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4879% | 1,849 |
| Cost of funding earning assets | 0.9395% | 362 |
| Net interest margin | 3.5484% | 3,491 |
| Noninterest income to average assets | 0.1701% | 5,953 |
| Noninterest expense to average assets | 2.2012% | 5,463 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8090% | 3,108 |
| Return on assets (ROA) | 0.8090% | 3,181 |
| Pretax return on assets | 1.2603% | 2,248 |
| Return on Equity (ROE) | 8.3107% | 2,789 |
| Retained earnings to average equity (ytd only) | 8.3107% | 1,493 |
| Net charge-offs to loans | -0.0022% | 4,712 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5908% | 4,926 |
| Assets per employee ($millions) | 8.7337% | 365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3461% | 3,872 |
| Loan loss allowance to noncurrent loans | 1,380.2198% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.0772% | 6,016 |
| Noncurrent loans to loans | 0.0975% | 5,834 |
| Net loans and leases to total assets | 78.0734% | 768 |
| Net loans and leases to deposits | 104.5202% | 274 |
| Net loans and leases to core deposits | 134.5849% | 154 |
| Total domestic deposits to total assets | 74.6969% | 6,187 |
| Equity capital to assets | 10.3139% | 3,444 |
| Core capital (leverage) ratio | 10.7874% | 2,613 |
| Tier 1 risk-based capital ratio | 11.5610% | 5,880 |
| Total risk-based capital ratio | 12.7629% | 5,856 |
| Memoranda: |
| Average total assets | $230,421,000 | 2,742 |
| Average earning assets | $213,729,500 | 2,713 |
| Average equity | $22,429,000 | 2,898 |
| Average total loans | $180,953,500 | 2,224 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6458% | 1,731 |
| Cost of funding earning assets | 1.0978% | 291 |
| Net interest margin | 3.5480% | 3,693 |
| Noninterest income to average assets | 0.2036% | 5,866 |
| Noninterest expense to average assets | 2.2704% | 5,459 |
| Loan and lease loss provision to assets | -0.0814% | 6,452 |
| Net operating income to assets | 0.8351% | 3,108 |
| Return on assets (ROA) | 0.8351% | 3,190 |
| Pretax return on assets | 1.2940% | 2,178 |
| Return on Equity (ROE) | 8.7193% | 2,689 |
| Retained earnings to average equity (ytd only) | 7.4687% | 1,248 |
| Net charge-offs to loans | -0.0095% | 6,009 |
| Credit loss provision to net charge-offs | 1,133.3333% | 222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9986% | 5,058 |
| Assets per employee ($millions) | 8.6551% | 373 |
| Cash dividends to net income (ytd only)* | 14.3431% | 3,894 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4325% | 3,499 |
| Loan loss allowance to noncurrent loans | 1,350.0000% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.0827% | 6,097 |
| Noncurrent loans to loans | 0.1061% | 5,892 |
| Net loans and leases to total assets | 76.7799% | 979 |
| Net loans and leases to deposits | 101.8630% | 407 |
| Net loans and leases to core deposits | 133.1453% | 174 |
| Total domestic deposits to total assets | 75.3756% | 6,155 |
| Equity capital to assets | 9.1262% | 4,896 |
| Core capital (leverage) ratio | 9.8542% | 3,767 |
| Tier 1 risk-based capital ratio | 10.6206% | 6,328 |
| Total risk-based capital ratio | 11.8714% | 6,286 |
| Memoranda: |
| Average total assets | $208,729,200 | 2,927 |
| Average earning assets | $192,927,200 | 2,916 |
| Average equity | $19,990,200 | 3,153 |
| Average total loans | $158,098,400 | 2,452 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6503% | 1,747 |
| Cost of funding earning assets | 1.0742% | 352 |
| Net interest margin | 3.5760% | 3,553 |
| Noninterest income to average assets | 0.2196% | 5,857 |
| Noninterest expense to average assets | 2.2750% | 5,421 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8111% | 3,290 |
| Return on assets (ROA) | 0.8111% | 3,423 |
| Pretax return on assets | 1.2476% | 2,521 |
| Return on Equity (ROE) | 8.3610% | 2,939 |
| Retained earnings to average equity (ytd only) | 8.3610% | 1,265 |
| Net charge-offs to loans | -0.0121% | 5,929 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3808% | 4,907 |
| Assets per employee ($millions) | 7.9714% | 467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6548% | 2,781 |
| Loan loss allowance to noncurrent loans | 1,072.0000% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.1206% | 6,064 |
| Noncurrent loans to loans | 0.1544% | 5,851 |
| Net loans and leases to total assets | 76.8480% | 890 |
| Net loans and leases to deposits | 104.8974% | 267 |
| Net loans and leases to core deposits | 123.2088% | 274 |
| Total domestic deposits to total assets | 73.2601% | 6,418 |
| Equity capital to assets | 9.8231% | 4,146 |
| Core capital (leverage) ratio | 9.8124% | 3,938 |
| Tier 1 risk-based capital ratio | 11.1725% | 6,206 |
| Total risk-based capital ratio | 12.4252% | 6,170 |
| Memoranda: |
| Average total assets | $204,653,250 | 2,995 |
| Average earning assets | $189,031,000 | 2,985 |
| Average equity | $19,853,500 | 3,204 |
| Average total loans | $153,800,250 | 2,513 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4837% | 2,261 |
| Cost of funding earning assets | 1.0877% | 354 |
| Net interest margin | 3.3960% | 4,201 |
| Noninterest income to average assets | 0.2669% | 5,543 |
| Noninterest expense to average assets | 2.2121% | 5,601 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7900% | 3,349 |
| Return on assets (ROA) | 0.7900% | 3,508 |
| Pretax return on assets | 1.1924% | 2,710 |
| Return on Equity (ROE) | 8.1788% | 3,004 |
| Retained earnings to average equity (ytd only) | 8.1788% | 1,411 |
| Net charge-offs to loans | -0.0159% | 5,889 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9755% | 4,711 |
| Assets per employee ($millions) | 8.2752% | 418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7114% | 2,738 |
| Loan loss allowance to noncurrent loans | 1,026.0536% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.1262% | 6,106 |
| Noncurrent loans to loans | 0.1668% | 5,906 |
| Net loans and leases to total assets | 74.3436% | 1,203 |
| Net loans and leases to deposits | 101.0639% | 375 |
| Net loans and leases to core deposits | 119.8600% | 319 |
| Total domestic deposits to total assets | 73.5610% | 6,469 |
| Equity capital to assets | 9.6341% | 4,408 |
| Core capital (leverage) ratio | 9.7393% | 3,884 |
| Tier 1 risk-based capital ratio | 11.3083% | 6,200 |
| Total risk-based capital ratio | 12.5621% | 6,162 |
| Memoranda: |
| Average total assets | $203,785,670 | 3,023 |
| Average earning assets | $188,280,330 | 3,013 |
| Average equity | $19,685,000 | 3,238 |
| Average total loans | $151,083,000 | 2,557 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4834% | 2,224 |
| Cost of funding earning assets | 1.1053% | 365 |
| Net interest margin | 3.3781% | 4,205 |
| Noninterest income to average assets | 0.1800% | 6,188 |
| Noninterest expense to average assets | 2.1895% | 5,720 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7397% | 3,476 |
| Return on assets (ROA) | 0.7397% | 3,612 |
| Pretax return on assets | 1.1096% | 2,918 |
| Return on Equity (ROE) | 7.6475% | 3,134 |
| Retained earnings to average equity (ytd only) | 7.6475% | 1,876 |
| Net charge-offs to loans | -0.0027% | 5,183 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3669% | 4,602 |
| Assets per employee ($millions) | 8.0098% | 487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8268% | 2,524 |
| Loan loss allowance to noncurrent loans | 218.0703% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.6108% | 4,864 |
| Noncurrent loans to loans | 0.8377% | 4,446 |
| Net loans and leases to total assets | 71.5748% | 1,421 |
| Net loans and leases to deposits | 98.1497% | 434 |
| Net loans and leases to core deposits | 114.7197% | 373 |
| Total domestic deposits to total assets | 72.9242% | 6,605 |
| Equity capital to assets | 9.8569% | 4,341 |
| Core capital (leverage) ratio | 9.3813% | 4,275 |
| Tier 1 risk-based capital ratio | 11.9376% | 5,952 |
| Total risk-based capital ratio | 13.1928% | 5,915 |
| Memoranda: |
| Average total assets | $202,238,500 | 3,075 |
| Average earning assets | $186,733,500 | 3,060 |
| Average equity | $19,562,000 | 3,305 |
| Average total loans | $148,384,500 | 2,605 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9951% | 1,570 |
| Cost of funding earning assets | 1.6008% | 106 |
| Net interest margin | 3.3943% | 4,904 |
| Noninterest income to average assets | 0.3980% | 4,627 |
| Noninterest expense to average assets | 2.3935% | 5,422 |
| Loan and lease loss provision to assets | -0.1008% | 6,927 |
| Net operating income to assets | 0.9864% | 2,398 |
| Return on assets (ROA) | 1.0159% | 2,489 |
| Pretax return on assets | 1.2670% | 2,531 |
| Return on Equity (ROE) | 9.4534% | 2,424 |
| Retained earnings to average equity (ytd only) | 9.4534% | 707 |
| Net charge-offs to loans | 0.0168% | 5,676 |
| Credit loss provision to net charge-offs | -795.4545% | 6,562 |
| Earnings coverage of net charge-offs (x) | 89.1364% | 437 |
| Efficiency ratio | 67.9418% | 4,156 |
| Assets per employee ($millions) | 8.1693% | 470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7682% | 2,698 |
| Loan loss allowance to noncurrent loans | 212.9393% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.6130% | 4,940 |
| Noncurrent loans to loans | 0.8304% | 4,532 |
| Net loans and leases to total assets | 72.5210% | 1,418 |
| Net loans and leases to deposits | 99.6012% | 428 |
| Net loans and leases to core deposits | 126.0187% | 220 |
| Total domestic deposits to total assets | 72.8113% | 6,639 |
| Equity capital to assets | 9.4921% | 4,886 |
| Core capital (leverage) ratio | 10.6541% | 2,592 |
| Tier 1 risk-based capital ratio | 11.4337% | 6,146 |
| Total risk-based capital ratio | 12.6883% | 6,109 |
| Memoranda: |
| Average total assets | $173,634,000 | 3,391 |
| Average earning assets | $159,855,400 | 3,379 |
| Average equity | $18,660,000 | 3,379 |
| Average total loans | $130,569,800 | 2,879 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1920% | 1,217 |
| Cost of funding earning assets | 1.7185% | 80 |
| Net interest margin | 3.4736% | 4,739 |
| Noninterest income to average assets | 0.4538% | 4,264 |
| Noninterest expense to average assets | 2.5391% | 4,962 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9270% | 2,844 |
| Return on assets (ROA) | 0.9270% | 3,066 |
| Pretax return on assets | 1.1133% | 3,300 |
| Return on Equity (ROE) | 8.3266% | 3,118 |
| Retained earnings to average equity (ytd only) | 8.3266% | 1,480 |
| Net charge-offs to loans | 0.0255% | 5,314 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 57.7484% | 675 |
| Efficiency ratio | 69.5184% | 3,785 |
| Assets per employee ($millions) | 7.4666% | 604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2021% | 1,699 |
| Loan loss allowance to noncurrent loans | 220.7621% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.7488% | 4,821 |
| Noncurrent loans to loans | 0.9975% | 4,457 |
| Net loans and leases to total assets | 73.4195% | 1,335 |
| Net loans and leases to deposits | 105.2885% | 253 |
| Net loans and leases to core deposits | 117.4054% | 358 |
| Total domestic deposits to total assets | 69.7317% | 6,858 |
| Equity capital to assets | 11.1197% | 3,130 |
| Core capital (leverage) ratio | 10.8177% | 2,577 |
| Tier 1 risk-based capital ratio | 12.9087% | 5,325 |
| Total risk-based capital ratio | 14.1680% | 5,280 |
| Memoranda: |
| Average total assets | $165,984,500 | 3,554 |
| Average earning assets | $152,845,500 | 3,532 |
| Average equity | $18,478,500 | 3,436 |
| Average total loans | $125,518,000 | 3,008 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1791% | 1,314 |
| Cost of funding earning assets | 1.6942% | 107 |
| Net interest margin | 3.4848% | 4,742 |
| Noninterest income to average assets | 0.2145% | 6,034 |
| Noninterest expense to average assets | 2.5026% | 5,127 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9289% | 2,765 |
| Return on assets (ROA) | 0.9289% | 3,029 |
| Pretax return on assets | 0.9289% | 3,967 |
| Return on Equity (ROE) | 8.3403% | 3,095 |
| Retained earnings to average equity (ytd only) | 8.3403% | 1,500 |
| Net charge-offs to loans | 0.0402% | 4,816 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 30.4800% | 1,055 |
| Efficiency ratio | 72.9307% | 3,253 |
| Assets per employee ($millions) | 7.1805% | 672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2311% | 1,702 |
| Loan loss allowance to noncurrent loans | 214.5125% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.8229% | 4,752 |
| Noncurrent loans to loans | 1.0401% | 4,438 |
| Net loans and leases to total assets | 75.3020% | 1,063 |
| Net loans and leases to deposits | 114.0999% | 100 |
| Net loans and leases to core deposits | 129.0759% | 216 |
| Total domestic deposits to total assets | 65.9966% | 7,048 |
| Equity capital to assets | 11.2891% | 2,802 |
| Core capital (leverage) ratio | 11.0832% | 2,224 |
| Tier 1 risk-based capital ratio | 12.9440% | 5,220 |
| Total risk-based capital ratio | 14.2041% | 5,192 |
| Memoranda: |
| Average total assets | $164,069,000 | 3,597 |
| Average earning assets | $151,455,670 | 3,574 |
| Average equity | $18,272,670 | 3,462 |
| Average total loans | $124,383,000 | 3,036 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1644% | 1,398 |
| Cost of funding earning assets | 1.7673% | 97 |
| Net interest margin | 3.3971% | 5,137 |
| Noninterest income to average assets | 0.2275% | 5,994 |
| Noninterest expense to average assets | 2.5023% | 5,141 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8659% | 3,073 |
| Return on assets (ROA) | 0.8659% | 3,305 |
| Pretax return on assets | 0.8659% | 4,169 |
| Return on Equity (ROE) | 7.8288% | 3,354 |
| Retained earnings to average equity (ytd only) | 7.8288% | 2,043 |
| Net charge-offs to loans | 0.0846% | 3,659 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 13.6154% | 1,526 |
| Efficiency ratio | 74.2919% | 3,049 |
| Assets per employee ($millions) | 7.6489% | 567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2825% | 1,710 |
| Loan loss allowance to noncurrent loans | 208.6029% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.8296% | 4,876 |
| Noncurrent loans to loans | 1.0942% | 4,503 |
| Net loans and leases to total assets | 72.1777% | 1,370 |
| Net loans and leases to deposits | 108.8539% | 156 |
| Net loans and leases to core deposits | 123.7829% | 255 |
| Total domestic deposits to total assets | 66.3069% | 7,103 |
| Equity capital to assets | 10.8382% | 3,094 |
| Core capital (leverage) ratio | 10.7491% | 2,496 |
| Tier 1 risk-based capital ratio | 12.8911% | 5,289 |
| Total risk-based capital ratio | 14.1518% | 5,255 |
| Memoranda: |
| Average total assets | $163,528,000 | 3,630 |
| Average earning assets | $151,190,000 | 3,592 |
| Average equity | $18,087,000 | 3,490 |
| Average total loans | $122,974,500 | 3,084 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3290% | 1,624 |
| Cost of funding earning assets | 1.9600% | 115 |
| Net interest margin | 3.3690% | 5,586 |
| Noninterest income to average assets | 0.2444% | 5,795 |
| Noninterest expense to average assets | 2.5607% | 5,251 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.8453% | 2,853 |
| Return on assets (ROA) | 0.8453% | 3,003 |
| Pretax return on assets | 0.8453% | 3,797 |
| Return on Equity (ROE) | 7.9252% | 2,952 |
| Retained earnings to average equity (ytd only) | 7.9252% | 1,104 |
| Net charge-offs to loans | 0.1260% | 5,134 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 8.9124% | 2,069 |
| Efficiency ratio | 75.1829% | 3,037 |
| Assets per employee ($millions) | 7.2173% | 652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3534% | 1,538 |
| Loan loss allowance to noncurrent loans | 188.8522% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 1.0077% | 4,596 |
| Noncurrent loans to loans | 1.2461% | 4,285 |
| Net loans and leases to total assets | 74.8150% | 1,124 |
| Net loans and leases to deposits | 109.5261% | 178 |
| Net loans and leases to core deposits | 129.2862% | 243 |
| Total domestic deposits to total assets | 68.3079% | 7,060 |
| Equity capital to assets | 11.2961% | 2,698 |
| Core capital (leverage) ratio | 11.3365% | 2,013 |
| Tier 1 risk-based capital ratio | 13.0124% | 5,061 |
| Total risk-based capital ratio | 14.2739% | 5,023 |
| Memoranda: |
| Average total assets | $144,450,800 | 3,901 |
| Average earning assets | $135,560,200 | 3,829 |
| Average equity | $15,406,600 | 3,834 |
| Average total loans | $108,707,200 | 3,410 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3536% | 1,663 |
| Cost of funding earning assets | 2.0181% | 111 |
| Net interest margin | 3.3354% | 5,754 |
| Noninterest income to average assets | 0.2224% | 6,030 |
| Noninterest expense to average assets | 2.5943% | 5,097 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7676% | 3,308 |
| Return on assets (ROA) | 0.7676% | 3,470 |
| Pretax return on assets | 0.7676% | 4,249 |
| Return on Equity (ROE) | 7.3189% | 3,370 |
| Retained earnings to average equity (ytd only) | 7.3189% | 1,805 |
| Net charge-offs to loans | 0.1681% | 4,448 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 6.0977% | 2,621 |
| Efficiency ratio | 77.1678% | 2,656 |
| Assets per employee ($millions) | 7.5479% | 567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6336% | 1,225 |
| Loan loss allowance to noncurrent loans | 147.3279% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 1.4155% | 4,006 |
| Noncurrent loans to loans | 1.7876% | 3,652 |
| Net loans and leases to total assets | 73.9098% | 1,334 |
| Net loans and leases to deposits | 113.6543% | 139 |
| Net loans and leases to core deposits | 137.3976% | 189 |
| Total domestic deposits to total assets | 65.0303% | 7,231 |
| Equity capital to assets | 12.2607% | 2,046 |
| Core capital (leverage) ratio | 12.2761% | 1,545 |
| Tier 1 risk-based capital ratio | 14.3436% | 4,095 |
| Total risk-based capital ratio | 15.6084% | 4,047 |
| Memoranda: |
| Average total assets | $140,868,250 | 3,979 |
| Average earning assets | $132,594,000 | 3,899 |
| Average equity | $14,774,250 | 3,965 |
| Average total loans | $105,470,250 | 3,508 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2977% | 1,903 |
| Cost of funding earning assets | 2.0614% | 119 |
| Net interest margin | 3.2363% | 6,042 |
| Noninterest income to average assets | 0.2328% | 5,976 |
| Noninterest expense to average assets | 2.5968% | 5,201 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6970% | 3,558 |
| Return on assets (ROA) | 0.6970% | 3,674 |
| Pretax return on assets | 0.6970% | 4,395 |
| Return on Equity (ROE) | 7.0530% | 3,427 |
| Retained earnings to average equity (ytd only) | 7.0530% | 1,857 |
| Net charge-offs to loans | 0.2281% | 3,758 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 4.1008% | 2,963 |
| Efficiency ratio | 78.8378% | 2,580 |
| Assets per employee ($millions) | 6.7611% | 820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7632% | 1,113 |
| Loan loss allowance to noncurrent loans | 149.4295% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 1.4445% | 4,046 |
| Noncurrent loans to loans | 1.8491% | 3,681 |
| Net loans and leases to total assets | 71.4057% | 1,904 |
| Net loans and leases to deposits | 106.3071% | 258 |
| Net loans and leases to core deposits | 130.5133% | 268 |
| Total domestic deposits to total assets | 67.1693% | 7,231 |
| Equity capital to assets | 10.0202% | 4,121 |
| Core capital (leverage) ratio | 9.6362% | 3,751 |
| Tier 1 risk-based capital ratio | 11.9354% | 5,839 |
| Total risk-based capital ratio | 13.2014% | 5,801 |
| Memoranda: |
| Average total assets | $140,021,000 | 4,027 |
| Average earning assets | $132,434,330 | 3,936 |
| Average equity | $13,838,000 | 4,153 |
| Average total loans | $104,340,000 | 3,576 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2685% | 1,983 |
| Cost of funding earning assets | 2.0530% | 143 |
| Net interest margin | 3.2154% | 6,025 |
| Noninterest income to average assets | 0.2417% | 5,969 |
| Noninterest expense to average assets | 2.5949% | 5,246 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7106% | 3,475 |
| Return on assets (ROA) | 0.7106% | 3,538 |
| Pretax return on assets | 0.7106% | 4,263 |
| Return on Equity (ROE) | 7.2415% | 3,274 |
| Retained earnings to average equity (ytd only) | 7.2415% | 2,047 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5030% | 2,769 |
| Assets per employee ($millions) | 6.8447% | 796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9453% | 960 |
| Loan loss allowance to noncurrent loans | 146.2701% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 1.5125% | 3,984 |
| Noncurrent loans to loans | 2.0136% | 3,559 |
| Net loans and leases to total assets | 68.7753% | 2,386 |
| Net loans and leases to deposits | 101.2506% | 415 |
| Net loans and leases to core deposits | 126.8324% | 307 |
| Total domestic deposits to total assets | 67.9259% | 7,266 |
| Equity capital to assets | 9.5952% | 4,318 |
| Core capital (leverage) ratio | 9.7752% | 3,417 |
| Tier 1 risk-based capital ratio | 12.2304% | 5,495 |
| Total risk-based capital ratio | 13.4993% | 5,473 |
| Memoranda: |
| Average total assets | $139,040,000 | 4,076 |
| Average earning assets | $132,486,500 | 3,966 |
| Average equity | $13,643,500 | 4,180 |
| Average total loans | $104,377,500 | 3,614 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5905% | 1,936 |
| Cost of funding earning assets | 2.4603% | 127 |
| Net interest margin | 3.1302% | 6,439 |
| Noninterest income to average assets | 0.4767% | 4,336 |
| Noninterest expense to average assets | 2.5956% | 5,437 |
| Loan and lease loss provision to assets | 0.9267% | 1,760 |
| Net operating income to assets | -0.0672% | 5,949 |
| Return on assets (ROA) | 0.0512% | 5,840 |
| Pretax return on assets | 0.0534% | 5,793 |
| Return on Equity (ROE) | 0.5332% | 5,824 |
| Retained earnings to average equity (ytd only) | 0.5332% | 5,311 |
| Net charge-offs to loans | 0.0957% | 5,892 |
| Credit loss provision to net charge-offs | 1,297.9798% | 174 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,546 |
| Efficiency ratio | 75.1828% | 3,167 |
| Assets per employee ($millions) | 6.3972% | 989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8064% | 1,045 |
| Loan loss allowance to noncurrent loans | 1,102.9412% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.2940% | 6,508 |
| Noncurrent loans to loans | 0.2544% | 6,556 |
| Net loans and leases to total assets | 77.3390% | 1,041 |
| Net loans and leases to deposits | 117.9828% | 126 |
| Net loans and leases to core deposits | 151.5144% | 173 |
| Total domestic deposits to total assets | 65.5511% | 7,401 |
| Equity capital to assets | 10.0453% | 3,695 |
| Core capital (leverage) ratio | 9.5501% | 3,644 |
| Tier 1 risk-based capital ratio | 11.6581% | 5,765 |
| Total risk-based capital ratio | 12.9263% | 5,749 |
| Memoranda: |
| Average total assets | $138,659,600 | 4,079 |
| Average earning assets | $131,811,800 | 3,976 |
| Average equity | $13,317,000 | 4,306 |
| Average total loans | $103,484,200 | 3,691 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5288% | 2,326 |
| Cost of funding earning assets | 2.5149% | 133 |
| Net interest margin | 3.0139% | 6,800 |
| Noninterest income to average assets | 0.4637% | 4,463 |
| Noninterest expense to average assets | 2.5514% | 5,510 |
| Loan and lease loss provision to assets | 1.2261% | 1,155 |
| Net operating income to assets | -0.4551% | 6,562 |
| Return on assets (ROA) | -0.2920% | 6,471 |
| Pretax return on assets | -0.2920% | 6,403 |
| Return on Equity (ROE) | -3.0739% | 6,495 |
| Retained earnings to average equity (ytd only) | -3.0739% | 6,358 |
| Net charge-offs to loans | 0.1286% | 5,262 |
| Credit loss provision to net charge-offs | 1,297.9798% | 234 |
| Earnings coverage of net charge-offs (x) | 8.1614% | 2,202 |
| Efficiency ratio | 76.7949% | 2,801 |
| Assets per employee ($millions) | 6.7257% | 874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8333% | 979 |
| Loan loss allowance to noncurrent loans | 4,285.7143% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.1366% | 7,013 |
| Noncurrent loans to loans | 0.0661% | 7,072 |
| Net loans and leases to total assets | 72.8432% | 2,048 |
| Net loans and leases to deposits | 108.4063% | 288 |
| Net loans and leases to core deposits | 144.4337% | 221 |
| Total domestic deposits to total assets | 67.1946% | 7,417 |
| Equity capital to assets | 9.4145% | 4,965 |
| Core capital (leverage) ratio | 9.1643% | 4,434 |
| Tier 1 risk-based capital ratio | 11.1898% | 6,203 |
| Total risk-based capital ratio | 12.4573% | 6,180 |
| Memoranda: |
| Average total assets | $139,739,250 | 4,112 |
| Average earning assets | $132,539,000 | 4,019 |
| Average equity | $13,272,500 | 4,374 |
| Average total loans | $102,630,750 | 3,778 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5748% | 2,229 |
| Cost of funding earning assets | 2.5839% | 131 |
| Net interest margin | 2.9910% | 6,849 |
| Noninterest income to average assets | 0.3792% | 5,090 |
| Noninterest expense to average assets | 2.5395% | 5,571 |
| Loan and lease loss provision to assets | 1.8457% | 674 |
| Net operating income to assets | -1.1778% | 7,019 |
| Return on assets (ROA) | -1.0198% | 6,975 |
| Pretax return on assets | -1.0198% | 6,900 |
| Return on Equity (ROE) | -10.7054% | 6,988 |
| Retained earnings to average equity (ytd only) | -10.7054% | 6,943 |
| Net charge-offs to loans | 0.1950% | 4,438 |
| Credit loss provision to net charge-offs | 1,297.9798% | 303 |
| Earnings coverage of net charge-offs (x) | 4.6970% | 2,878 |
| Efficiency ratio | 79.1760% | 2,549 |
| Assets per employee ($millions) | 6.6126% | 912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9151% | 900 |
| Loan loss allowance to noncurrent loans | 4,000.0000% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.1447% | 7,031 |
| Noncurrent loans to loans | 0.0729% | 7,128 |
| Net loans and leases to total assets | 71.9497% | 2,416 |
| Net loans and leases to deposits | 107.2281% | 340 |
| Net loans and leases to core deposits | 134.6319% | 350 |
| Total domestic deposits to total assets | 67.0997% | 7,473 |
| Equity capital to assets | 9.2982% | 5,007 |
| Core capital (leverage) ratio | 8.9626% | 4,668 |
| Tier 1 risk-based capital ratio | 11.0664% | 6,165 |
| Total risk-based capital ratio | 12.3352% | 6,134 |
| Memoranda: |
| Average total assets | $139,239,330 | 4,151 |
| Average earning assets | $131,663,330 | 4,063 |
| Average equity | $13,264,330 | 4,380 |
| Average total loans | $101,546,670 | 3,845 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4848% | 2,658 |
| Cost of funding earning assets | 2.6662% | 136 |
| Net interest margin | 2.8186% | 7,155 |
| Noninterest income to average assets | 0.3299% | 5,504 |
| Noninterest expense to average assets | 2.5390% | 5,580 |
| Loan and lease loss provision to assets | 0.0459% | 6,213 |
| Net operating income to assets | 0.3988% | 4,845 |
| Return on assets (ROA) | 0.3988% | 4,987 |
| Pretax return on assets | 0.3988% | 5,291 |
| Return on Equity (ROE) | 4.1368% | 4,829 |
| Retained earnings to average equity (ytd only) | 4.1368% | 3,665 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0962% | 1,896 |
| Assets per employee ($millions) | 6.8097% | 864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8406% | 2,608 |
| Loan loss allowance to noncurrent loans | 117.2325% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 1.2328% | 4,710 |
| Noncurrent loans to loans | 1.5700% | 4,389 |
| Net loans and leases to total assets | 68.2463% | 3,325 |
| Net loans and leases to deposits | 101.0436% | 691 |
| Net loans and leases to core deposits | 137.4132% | 362 |
| Total domestic deposits to total assets | 67.5415% | 7,550 |
| Equity capital to assets | 9.4683% | 4,586 |
| Core capital (leverage) ratio | 9.5612% | 3,688 |
| Tier 1 risk-based capital ratio | 12.0146% | 5,181 |
| Total risk-based capital ratio | 13.2702% | 5,137 |
| Memoranda: |
| Average total assets | $139,426,500 | 4,205 |
| Average earning assets | $131,271,500 | 4,127 |
| Average equity | $13,440,500 | 4,367 |
| Average total loans | $100,863,500 | 3,931 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7710% | 2,782 |
| Cost of funding earning assets | 3.0680% | 190 |
| Net interest margin | 2.7030% | 7,207 |
| Noninterest income to average assets | 0.2728% | 6,162 |
| Noninterest expense to average assets | 3.2595% | 3,155 |
| Loan and lease loss provision to assets | 0.5948% | 3,416 |
| Net operating income to assets | -0.9909% | 6,573 |
| Return on assets (ROA) | -0.7283% | 6,383 |
| Pretax return on assets | -0.7283% | 6,216 |
| Return on Equity (ROE) | -7.0200% | 6,384 |
| Retained earnings to average equity (ytd only) | -7.0200% | 6,240 |
| Net charge-offs to loans | 0.0119% | 7,058 |
| Credit loss provision to net charge-offs | 6,758.3333% | 48 |
| Earnings coverage of net charge-offs (x) | -45.0000% | 7,210 |
| Efficiency ratio | 113.8320% | 712 |
| Assets per employee ($millions) | 5.9065% | 1,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7732% | 2,628 |
| Loan loss allowance to noncurrent loans | 911.5578% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.2952% | 6,709 |
| Noncurrent loans to loans | 0.1945% | 6,933 |
| Net loans and leases to total assets | 73.9704% | 2,279 |
| Net loans and leases to deposits | 112.1343% | 313 |
| Net loans and leases to core deposits | 206.4256% | 89 |
| Total domestic deposits to total assets | 65.9659% | 7,641 |
| Equity capital to assets | 9.8205% | 3,985 |
| Core capital (leverage) ratio | 9.7613% | 3,380 |
| Tier 1 risk-based capital ratio | 11.7862% | 5,119 |
| Total risk-based capital ratio | 13.0413% | 5,080 |
| Memoranda: |
| Average total assets | $136,339,200 | 4,203 |
| Average earning assets | $130,670,200 | 4,074 |
| Average equity | $14,145,200 | 4,219 |
| Average total loans | $100,603,800 | 3,926 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7795% | 2,986 |
| Cost of funding earning assets | 3.1727% | 202 |
| Net interest margin | 2.6069% | 7,349 |
| Noninterest income to average assets | 0.2374% | 6,529 |
| Noninterest expense to average assets | 3.4040% | 2,564 |
| Loan and lease loss provision to assets | 0.1153% | 6,212 |
| Net operating income to assets | -0.7836% | 6,677 |
| Return on assets (ROA) | -0.4416% | 6,369 |
| Pretax return on assets | -0.4416% | 6,241 |
| Return on Equity (ROE) | -4.2007% | 6,359 |
| Retained earnings to average equity (ytd only) | -4.2007% | 6,138 |
| Net charge-offs to loans | 0.0160% | 6,693 |
| Credit loss provision to net charge-offs | 983.3333% | 381 |
| Earnings coverage of net charge-offs (x) | -56.9988% | 6,965 |
| Efficiency ratio | 124.4286% | 538 |
| Assets per employee ($millions) | 5.9314% | 1,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1055% | 5,690 |
| Loan loss allowance to noncurrent loans | 115.6863% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.9515% | 5,157 |
| Noncurrent loans to loans | 0.9556% | 5,381 |
| Net loans and leases to total assets | 73.5067% | 2,661 |
| Net loans and leases to deposits | 112.0284% | 389 |
| Net loans and leases to core deposits | 242.0001% | 53 |
| Total domestic deposits to total assets | 65.6143% | 7,705 |
| Equity capital to assets | 10.2241% | 3,821 |
| Core capital (leverage) ratio | 10.1559% | 3,110 |
| Tier 1 risk-based capital ratio | 12.4308% | 4,606 |
| Total risk-based capital ratio | 13.4760% | 4,713 |
| Memoranda: |
| Average total assets | $136,461,750 | 4,223 |
| Average earning assets | $130,780,000 | 4,088 |
| Average equity | $14,346,250 | 4,217 |
| Average total loans | $100,179,250 | 3,979 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8539% | 2,784 |
| Cost of funding earning assets | 3.2748% | 224 |
| Net interest margin | 2.5791% | 7,381 |
| Noninterest income to average assets | 0.2682% | 6,354 |
| Noninterest expense to average assets | 2.9954% | 4,100 |
| Loan and lease loss provision to assets | 0.1158% | 5,987 |
| Net operating income to assets | -0.3840% | 6,430 |
| Return on assets (ROA) | -0.1290% | 6,093 |
| Pretax return on assets | -0.1216% | 6,022 |
| Return on Equity (ROE) | -1.2156% | 6,105 |
| Retained earnings to average equity (ytd only) | -1.2156% | 5,542 |
| Net charge-offs to loans | 0.0140% | 6,348 |
| Credit loss provision to net charge-offs | 1,128.5714% | 440 |
| Earnings coverage of net charge-offs (x) | -25.4286% | 6,574 |
| Efficiency ratio | 109.5391% | 862 |
| Assets per employee ($millions) | 5.9075% | 1,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0981% | 5,618 |
| Loan loss allowance to noncurrent loans | 401.1070% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.4416% | 6,350 |
| Noncurrent loans to loans | 0.2738% | 6,838 |
| Net loans and leases to total assets | 72.0516% | 3,210 |
| Net loans and leases to deposits | 113.1887% | 438 |
| Net loans and leases to core deposits | 253.2740% | 57 |
| Total domestic deposits to total assets | 63.6562% | 7,846 |
| Equity capital to assets | 10.5312% | 3,364 |
| Core capital (leverage) ratio | 10.0475% | 3,246 |
| Tier 1 risk-based capital ratio | 12.8476% | 4,243 |
| Total risk-based capital ratio | 13.8673% | 4,345 |
| Memoranda: |
| Average total assets | $136,474,670 | 4,246 |
| Average earning assets | $130,511,670 | 4,123 |
| Average equity | $14,479,000 | 4,202 |
| Average total loans | $99,772,000 | 4,024 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8716% | 2,930 |
| Cost of funding earning assets | 3.0641% | 503 |
| Net interest margin | 2.8075% | 6,979 |
| Noninterest income to average assets | 0.3041% | 6,003 |
| Noninterest expense to average assets | 3.1468% | 3,200 |
| Loan and lease loss provision to assets | 0.1404% | 5,150 |
| Net operating income to assets | -0.2954% | 6,673 |
| Return on assets (ROA) | -0.2954% | 6,748 |
| Pretax return on assets | -0.2954% | 6,670 |
| Return on Equity (ROE) | -2.7740% | 6,753 |
| Retained earnings to average equity (ytd only) | -2.7740% | 6,238 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.1808% | 947 |
| Assets per employee ($millions) | 5.8677% | 1,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0586% | 5,764 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2438% | 6,782 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 73.6199% | 2,863 |
| Net loans and leases to deposits | 128.9032% | 153 |
| Net loans and leases to core deposits | 264.5895% | 53 |
| Total domestic deposits to total assets | 57.1126% | 8,025 |
| Equity capital to assets | 10.8263% | 3,145 |
| Core capital (leverage) ratio | 10.1401% | 3,250 |
| Tier 1 risk-based capital ratio | 12.5219% | 4,534 |
| Total risk-based capital ratio | 13.4947% | 4,659 |
| Memoranda: |
| Average total assets | $136,776,000 | 4,258 |
| Average earning assets | $130,934,500 | 4,137 |
| Average equity | $14,564,000 | 4,212 |
| Average total loans | $100,165,500 | 4,022 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2923% | 4,003 |
| Cost of funding earning assets | 3.4276% | 661 |
| Net interest margin | 2.8647% | 7,223 |
| Noninterest income to average assets | 0.1794% | 7,155 |
| Noninterest expense to average assets | 2.6515% | 5,438 |
| Loan and lease loss provision to assets | 0.2375% | 4,529 |
| Net operating income to assets | 0.0298% | 6,285 |
| Return on assets (ROA) | 0.2352% | 5,564 |
| Pretax return on assets | 0.2352% | 5,656 |
| Return on Equity (ROE) | 2.2301% | 5,532 |
| Retained earnings to average equity (ytd only) | 2.2301% | 3,826 |
| Net charge-offs to loans | 0.2136% | 4,075 |
| Credit loss provision to net charge-offs | 162.7551% | 3,172 |
| Earnings coverage of net charge-offs (x) | 1.8316% | 5,157 |
| Efficiency ratio | 90.8442% | 1,451 |
| Assets per employee ($millions) | 6.2997% | 990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0159% | 5,880 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2374% | 6,620 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 71.3573% | 3,718 |
| Net loans and leases to deposits | 127.4446% | 250 |
| Net loans and leases to core deposits | 275.7556% | 55 |
| Total domestic deposits to total assets | 55.9909% | 8,057 |
| Equity capital to assets | 10.4745% | 3,533 |
| Core capital (leverage) ratio | 10.2716% | 3,197 |
| Tier 1 risk-based capital ratio | 12.6167% | 4,356 |
| Total risk-based capital ratio | 13.5458% | 4,473 |
| Memoranda: |
| Average total assets | $134,338,600 | 4,197 |
| Average earning assets | $128,458,000 | 4,071 |
| Average equity | $14,169,800 | 4,301 |
| Average total loans | $91,778,400 | 4,166 |
