| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8516% | 2,376 |
| Cost of funding earning assets | 1.6306% | 1,610 |
| Net interest margin | 3.2210% | 2,830 |
| Noninterest income to average assets | 0.9700% | 666 |
| Noninterest expense to average assets | 3.0730% | 1,004 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.6556% | 3,300 |
| Return on assets (ROA) | 0.6867% | 3,205 |
| Pretax return on assets | 0.8455% | 3,104 |
| Return on Equity (ROE) | 8.0400% | 3,009 |
| Retained earnings to average equity (ytd only) | 8.0413% | 1,525 |
| Net charge-offs to loans | 0.0638% | 1,215 |
| Credit loss provision to net charge-offs | 156.2036% | 1,436 |
| Earnings coverage of net charge-offs (x) | 19.8791% | 1,885 |
| Efficiency ratio | 77.2552% | 1,133 |
| Assets per employee ($millions) | 6.8056% | 2,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1500% | 2,549 |
| Loan loss allowance to noncurrent loans | 164.5845% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.7308% | 708 |
| Noncurrent loans to loans | 0.6987% | 1,122 |
| Net loans and leases to total assets | 69.1100% | 1,909 |
| Net loans and leases to deposits | 85.9325% | 1,619 |
| Net loans and leases to core deposits | 89.2163% | 2,105 |
| Total domestic deposits to total assets | 80.4300% | 3,392 |
| Equity capital to assets | 8.8076% | 2,819 |
| Core capital (leverage) ratio | 8.8091% | 3,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1616% | 2,190 |
| Memoranda: |
| Average total assets | $2,139,820,800 | 536 |
| Average earning assets | $1,980,678,600 | 527 |
| Average equity | $182,732,400 | 582 |
| Average total loans | $1,477,281,200 | 521 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7434% | 2,384 |
| Cost of funding earning assets | 1.4775% | 1,672 |
| Net interest margin | 3.2659% | 2,763 |
| Noninterest income to average assets | 1.0000% | 646 |
| Noninterest expense to average assets | 2.9913% | 1,080 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.7847% | 3,072 |
| Return on assets (ROA) | 0.7473% | 3,175 |
| Pretax return on assets | 0.9182% | 3,059 |
| Return on Equity (ROE) | 8.8300% | 2,972 |
| Retained earnings to average equity (ytd only) | 8.8255% | 1,734 |
| Net charge-offs to loans | 0.0361% | 1,375 |
| Credit loss provision to net charge-offs | 300.2532% | 886 |
| Earnings coverage of net charge-offs (x) | 41.8228% | 1,420 |
| Efficiency ratio | 73.6616% | 1,391 |
| Assets per employee ($millions) | 6.9207% | 2,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1909% | 2,408 |
| Loan loss allowance to noncurrent loans | 130.6312% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.9194% | 582 |
| Noncurrent loans to loans | 0.9116% | 903 |
| Net loans and leases to total assets | 68.6900% | 1,977 |
| Net loans and leases to deposits | 86.2777% | 1,538 |
| Net loans and leases to core deposits | 89.3090% | 1,976 |
| Total domestic deposits to total assets | 79.6100% | 3,586 |
| Equity capital to assets | 8.3869% | 2,802 |
| Core capital (leverage) ratio | 8.7688% | 3,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0479% | 2,256 |
| Memoranda: |
| Average total assets | $2,121,780,000 | 543 |
| Average earning assets | $1,965,753,000 | 531 |
| Average equity | $179,671,250 | 587 |
| Average total loans | $1,459,982,250 | 525 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6060% | 2,405 |
| Cost of funding earning assets | 1.2517% | 1,844 |
| Net interest margin | 3.3544% | 2,629 |
| Noninterest income to average assets | 1.0900% | 500 |
| Noninterest expense to average assets | 3.0250% | 1,003 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.9088% | 2,728 |
| Return on assets (ROA) | 0.8877% | 2,790 |
| Pretax return on assets | 1.0878% | 2,676 |
| Return on Equity (ROE) | 10.4500% | 2,572 |
| Retained earnings to average equity (ytd only) | 10.4481% | 1,294 |
| Net charge-offs to loans | 0.0196% | 1,502 |
| Credit loss provision to net charge-offs | 353.9007% | 783 |
| Earnings coverage of net charge-offs (x) | 87.0993% | 1,004 |
| Efficiency ratio | 71.5397% | 1,613 |
| Assets per employee ($millions) | 6.9173% | 1,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1957% | 2,466 |
| Loan loss allowance to noncurrent loans | 126.6317% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 0.8970% | 547 |
| Noncurrent loans to loans | 0.9442% | 804 |
| Net loans and leases to total assets | 67.6700% | 1,991 |
| Net loans and leases to deposits | 84.3284% | 1,640 |
| Net loans and leases to core deposits | 87.2095% | 1,991 |
| Total domestic deposits to total assets | 80.2400% | 3,539 |
| Equity capital to assets | 8.4507% | 2,899 |
| Core capital (leverage) ratio | 8.9756% | 3,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1687% | 2,227 |
| Memoranda: |
| Average total assets | $2,102,367,333 | 535 |
| Average earning assets | $1,947,661,667 | 526 |
| Average equity | $178,616,333 | 581 |
| Average total loans | $1,441,477,667 | 519 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4646% | 2,403 |
| Cost of funding earning assets | 0.9087% | 2,345 |
| Net interest margin | 3.5559% | 2,231 |
| Noninterest income to average assets | 0.9400% | 633 |
| Noninterest expense to average assets | 2.9472% | 1,149 |
| Loan and lease loss provision to assets | -0.0300% | 4,479 |
| Net operating income to assets | 1.0444% | 2,404 |
| Return on assets (ROA) | 0.9708% | 2,584 |
| Pretax return on assets | 1.2218% | 2,375 |
| Return on Equity (ROE) | 11.4000% | 2,373 |
| Retained earnings to average equity (ytd only) | 11.3950% | 1,377 |
| Net charge-offs to loans | 0.0244% | 1,198 |
| Credit loss provision to net charge-offs | -202.2989% | 4,607 |
| Earnings coverage of net charge-offs (x) | 77.0115% | 909 |
| Efficiency ratio | 68.9596% | 1,863 |
| Assets per employee ($millions) | 6.8102% | 2,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2384% | 2,345 |
| Loan loss allowance to noncurrent loans | 137.9070% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 0.8586% | 539 |
| Noncurrent loans to loans | 0.8980% | 842 |
| Net loans and leases to total assets | 68.0800% | 1,827 |
| Net loans and leases to deposits | 81.0608% | 1,742 |
| Net loans and leases to core deposits | 84.8654% | 1,936 |
| Total domestic deposits to total assets | 83.9900% | 3,097 |
| Equity capital to assets | 8.6689% | 2,766 |
| Core capital (leverage) ratio | 8.8934% | 3,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9560% | 2,407 |
| Memoranda: |
| Average total assets | $2,077,906,000 | 553 |
| Average earning assets | $1,926,604,000 | 543 |
| Average equity | $177,024,500 | 595 |
| Average total loans | $1,425,531,500 | 535 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9526% | 1,847 |
| Cost of funding earning assets | 0.3818% | 2,244 |
| Net interest margin | 3.5707% | 1,726 |
| Noninterest income to average assets | 0.7500% | 1,126 |
| Noninterest expense to average assets | 2.6607% | 1,650 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.1347% | 2,033 |
| Return on assets (ROA) | 1.0004% | 2,513 |
| Pretax return on assets | 1.2536% | 2,268 |
| Return on Equity (ROE) | 12.0000% | 2,135 |
| Retained earnings to average equity (ytd only) | 10.7438% | 948 |
| Net charge-offs to loans | 0.0137% | 1,869 |
| Credit loss provision to net charge-offs | 146.1988% | 1,317 |
| Earnings coverage of net charge-offs (x) | 160.5556% | 755 |
| Efficiency ratio | 64.6342% | 2,412 |
| Assets per employee ($millions) | 7.4797% | 1,631 |
| Cash dividends to net income (ytd only)* | 10.4455% | 3,221 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1942% | 2,420 |
| Loan loss allowance to noncurrent loans | 262.8696% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.5415% | 924 |
| Noncurrent loans to loans | 0.4543% | 1,574 |
| Net loans and leases to total assets | 67.4600% | 1,888 |
| Net loans and leases to deposits | 79.1184% | 1,833 |
| Net loans and leases to core deposits | 80.8643% | 2,084 |
| Total domestic deposits to total assets | 85.2600% | 2,922 |
| Equity capital to assets | 8.3689% | 2,798 |
| Core capital (leverage) ratio | 8.7369% | 3,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1956% | 2,288 |
| Memoranda: |
| Average total assets | $1,913,899,800 | 581 |
| Average earning assets | $1,790,528,000 | 563 |
| Average equity | $159,599,000 | 650 |
| Average total loans | $1,245,324,800 | 564 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4146% | 2,876 |
| Cost of funding earning assets | 0.2854% | 2,326 |
| Net interest margin | 3.1292% | 2,832 |
| Noninterest income to average assets | 0.6800% | 1,395 |
| Noninterest expense to average assets | 2.6534% | 1,584 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.7589% | 3,388 |
| Return on assets (ROA) | 0.5296% | 3,955 |
| Pretax return on assets | 0.6636% | 3,875 |
| Return on Equity (ROE) | 6.3600% | 3,726 |
| Retained earnings to average equity (ytd only) | 4.6501% | 3,218 |
| Net charge-offs to loans | -0.0064% | 3,557 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.1563% | 1,369 |
| Assets per employee ($millions) | 7.7074% | 1,477 |
| Cash dividends to net income (ytd only)* | 26.8601% | 2,165 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2362% | 2,344 |
| Loan loss allowance to noncurrent loans | 285.8270% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.5023% | 1,092 |
| Noncurrent loans to loans | 0.4325% | 1,732 |
| Net loans and leases to total assets | 64.3900% | 2,052 |
| Net loans and leases to deposits | 75.7071% | 1,902 |
| Net loans and leases to core deposits | 77.4919% | 2,077 |
| Total domestic deposits to total assets | 85.0600% | 3,269 |
| Equity capital to assets | 7.6367% | 3,131 |
| Core capital (leverage) ratio | 8.2826% | 4,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0840% | 2,436 |
| Memoranda: |
| Average total assets | $1,874,405,000 | 592 |
| Average earning assets | $1,757,274,000 | 573 |
| Average equity | $156,150,250 | 666 |
| Average total loans | $1,203,035,000 | 574 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0942% | 3,320 |
| Cost of funding earning assets | 0.1616% | 3,425 |
| Net interest margin | 2.9326% | 3,081 |
| Noninterest income to average assets | 0.6302% | 1,619 |
| Noninterest expense to average assets | 2.5579% | 1,757 |
| Loan and lease loss provision to assets | -0.0167% | 4,418 |
| Net operating income to assets | 0.6807% | 3,377 |
| Return on assets (ROA) | 0.4125% | 4,033 |
| Pretax return on assets | 0.5155% | 3,969 |
| Return on Equity (ROE) | 4.7953% | 3,858 |
| Retained earnings to average equity (ytd only) | 2.2054% | 3,690 |
| Net charge-offs to loans | -0.0290% | 4,026 |
| Credit loss provision to net charge-offs | 90.3614% | 1,339 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4130% | 1,344 |
| Assets per employee ($millions) | 6.9743% | 1,957 |
| Cash dividends to net income (ytd only)* | 54.0103% | 1,238 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4205% | 1,666 |
| Loan loss allowance to noncurrent loans | 347.2045% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.5160% | 1,108 |
| Noncurrent loans to loans | 0.4091% | 1,895 |
| Net loans and leases to total assets | 63.4324% | 1,972 |
| Net loans and leases to deposits | 72.5465% | 1,989 |
| Net loans and leases to core deposits | 72.8733% | 2,248 |
| Total domestic deposits to total assets | 87.4369% | 2,788 |
| Equity capital to assets | 8.2918% | 2,917 |
| Core capital (leverage) ratio | 8.9817% | 3,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1746% | 1,982 |
| Memoranda: |
| Average total assets | $1,795,266,667 | 605 |
| Average earning assets | $1,690,645,333 | 593 |
| Average equity | $154,442,333 | 679 |
| Average total loans | $1,145,075,667 | 591 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9463% | 3,413 |
| Cost of funding earning assets | 0.1492% | 3,515 |
| Net interest margin | 2.7970% | 3,152 |
| Noninterest income to average assets | 0.5918% | 1,726 |
| Noninterest expense to average assets | 2.5969% | 1,612 |
| Loan and lease loss provision to assets | 0.0959% | 862 |
| Net operating income to assets | 0.4346% | 3,887 |
| Return on assets (ROA) | 0.2921% | 4,134 |
| Pretax return on assets | 0.3625% | 4,094 |
| Return on Equity (ROE) | 3.3323% | 4,027 |
| Retained earnings to average equity (ytd only) | 3.3323% | 3,162 |
| Net charge-offs to loans | 0.4220% | 162 |
| Credit loss provision to net charge-offs | 35.8045% | 1,241 |
| Earnings coverage of net charge-offs (x) | 2.3682% | 1,708 |
| Efficiency ratio | 80.3660% | 1,122 |
| Assets per employee ($millions) | 6.8919% | 2,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4258% | 1,817 |
| Loan loss allowance to noncurrent loans | 235.1450% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.6357% | 941 |
| Noncurrent loans to loans | 0.6063% | 1,543 |
| Net loans and leases to total assets | 61.4563% | 1,921 |
| Net loans and leases to deposits | 70.6516% | 1,896 |
| Net loans and leases to core deposits | 71.0714% | 2,203 |
| Total domestic deposits to total assets | 86.9851% | 2,934 |
| Equity capital to assets | 8.5390% | 3,122 |
| Core capital (leverage) ratio | 9.2825% | 3,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8495% | 1,857 |
| Memoranda: |
| Average total assets | $1,772,294,000 | 612 |
| Average earning assets | $1,672,486,000 | 599 |
| Average equity | $155,328,500 | 694 |
| Average total loans | $1,125,236,500 | 593 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1668% | 3,546 |
| Cost of funding earning assets | 0.2353% | 3,081 |
| Net interest margin | 2.9314% | 3,369 |
| Noninterest income to average assets | 0.8257% | 1,391 |
| Noninterest expense to average assets | 2.7173% | 1,589 |
| Loan and lease loss provision to assets | 0.0272% | 2,512 |
| Net operating income to assets | 0.6888% | 3,656 |
| Return on assets (ROA) | 0.7803% | 3,460 |
| Pretax return on assets | 0.9779% | 3,320 |
| Return on Equity (ROE) | 9.5868% | 2,684 |
| Retained earnings to average equity (ytd only) | 9.5868% | 1,022 |
| Net charge-offs to loans | -0.0607% | 4,409 |
| Credit loss provision to net charge-offs | -65.5172% | 3,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3109% | 1,172 |
| Assets per employee ($millions) | 6.5128% | 2,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4950% | 1,576 |
| Loan loss allowance to noncurrent loans | 130.9910% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 0.7382% | 837 |
| Noncurrent loans to loans | 1.1413% | 846 |
| Net loans and leases to total assets | 63.7126% | 1,740 |
| Net loans and leases to deposits | 73.4376% | 1,776 |
| Net loans and leases to core deposits | 74.0652% | 2,072 |
| Total domestic deposits to total assets | 86.7575% | 2,593 |
| Equity capital to assets | 8.9982% | 3,619 |
| Core capital (leverage) ratio | 9.1677% | 3,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2402% | 1,759 |
| Memoranda: |
| Average total assets | $1,745,250,800 | 600 |
| Average earning assets | $1,656,553,200 | 578 |
| Average equity | $142,050,000 | 748 |
| Average total loans | $1,194,924,800 | 562 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1711% | 3,657 |
| Cost of funding earning assets | 0.2545% | 3,075 |
| Net interest margin | 2.9166% | 3,515 |
| Noninterest income to average assets | 0.8159% | 1,476 |
| Noninterest expense to average assets | 2.6033% | 1,824 |
| Loan and lease loss provision to assets | 0.0325% | 2,345 |
| Net operating income to assets | 0.7565% | 3,638 |
| Return on assets (ROA) | 0.8471% | 3,457 |
| Pretax return on assets | 1.0628% | 3,291 |
| Return on Equity (ROE) | 10.6890% | 2,483 |
| Retained earnings to average equity (ytd only) | 10.6890% | 1,124 |
| Net charge-offs to loans | 0.0075% | 2,042 |
| Credit loss provision to net charge-offs | 625.0000% | 690 |
| Earnings coverage of net charge-offs (x) | 189.1912% | 576 |
| Efficiency ratio | 72.6119% | 1,350 |
| Assets per employee ($millions) | 6.6007% | 2,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3790% | 2,111 |
| Loan loss allowance to noncurrent loans | 97.2417% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 0.9215% | 736 |
| Noncurrent loans to loans | 1.4181% | 750 |
| Net loans and leases to total assets | 64.0870% | 1,765 |
| Net loans and leases to deposits | 74.2784% | 1,828 |
| Net loans and leases to core deposits | 74.9901% | 2,141 |
| Total domestic deposits to total assets | 86.2794% | 2,641 |
| Equity capital to assets | 8.0903% | 4,472 |
| Core capital (leverage) ratio | 8.9305% | 3,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0996% | 1,936 |
| Memoranda: |
| Average total assets | $1,746,836,000 | 604 |
| Average earning assets | $1,658,665,750 | 582 |
| Average equity | $138,444,750 | 773 |
| Average total loans | $1,212,476,250 | 572 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1683% | 3,733 |
| Cost of funding earning assets | 0.2747% | 3,048 |
| Net interest margin | 2.8936% | 3,588 |
| Noninterest income to average assets | 0.7897% | 1,566 |
| Noninterest expense to average assets | 2.5762% | 1,923 |
| Loan and lease loss provision to assets | 0.0403% | 2,197 |
| Net operating income to assets | 0.7314% | 3,681 |
| Return on assets (ROA) | 0.8825% | 3,346 |
| Pretax return on assets | 1.1079% | 3,187 |
| Return on Equity (ROE) | 11.2150% | 2,338 |
| Retained earnings to average equity (ytd only) | 11.2150% | 1,075 |
| Net charge-offs to loans | 0.0124% | 1,712 |
| Credit loss provision to net charge-offs | 460.5263% | 710 |
| Earnings coverage of net charge-offs (x) | 109.5000% | 709 |
| Efficiency ratio | 72.8669% | 1,346 |
| Assets per employee ($millions) | 6.5876% | 2,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3200% | 2,340 |
| Loan loss allowance to noncurrent loans | 93.9670% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 0.9541% | 796 |
| Noncurrent loans to loans | 1.4048% | 831 |
| Net loans and leases to total assets | 67.0215% | 1,578 |
| Net loans and leases to deposits | 77.8053% | 1,651 |
| Net loans and leases to core deposits | 78.8509% | 1,973 |
| Total domestic deposits to total assets | 86.1401% | 2,690 |
| Equity capital to assets | 7.9338% | 4,565 |
| Core capital (leverage) ratio | 9.0388% | 3,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9290% | 1,994 |
| Memoranda: |
| Average total assets | $1,735,050,000 | 602 |
| Average earning assets | $1,646,372,000 | 582 |
| Average equity | $136,531,333 | 776 |
| Average total loans | $1,230,593,667 | 555 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2494% | 3,580 |
| Cost of funding earning assets | 0.2996% | 2,999 |
| Net interest margin | 2.9498% | 3,384 |
| Noninterest income to average assets | 0.6991% | 1,869 |
| Noninterest expense to average assets | 2.5966% | 1,896 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7152% | 3,673 |
| Return on assets (ROA) | 0.9251% | 3,134 |
| Pretax return on assets | 1.1635% | 2,942 |
| Return on Equity (ROE) | 11.8066% | 2,089 |
| Retained earnings to average equity (ytd only) | 11.8066% | 1,201 |
| Net charge-offs to loans | 0.0277% | 1,216 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 44.9651% | 941 |
| Efficiency ratio | 74.2372% | 1,291 |
| Assets per employee ($millions) | 6.5364% | 2,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2407% | 2,715 |
| Loan loss allowance to noncurrent loans | 92.6538% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 0.9460% | 889 |
| Noncurrent loans to loans | 1.3390% | 962 |
| Net loans and leases to total assets | 69.7718% | 1,325 |
| Net loans and leases to deposits | 80.6220% | 1,459 |
| Net loans and leases to core deposits | 86.4473% | 1,491 |
| Total domestic deposits to total assets | 86.5419% | 2,507 |
| Equity capital to assets | 7.7637% | 4,609 |
| Core capital (leverage) ratio | 8.8602% | 3,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7493% | 1,986 |
| Memoranda: |
| Average total assets | $1,716,543,500 | 605 |
| Average earning assets | $1,628,589,500 | 586 |
| Average equity | $134,501,000 | 780 |
| Average total loans | $1,244,115,000 | 554 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7199% | 3,525 |
| Cost of funding earning assets | 0.4563% | 3,249 |
| Net interest margin | 3.2636% | 3,175 |
| Noninterest income to average assets | 0.8108% | 1,500 |
| Noninterest expense to average assets | 3.0587% | 1,309 |
| Loan and lease loss provision to assets | 0.3161% | 1,179 |
| Net operating income to assets | 0.4238% | 4,199 |
| Return on assets (ROA) | 0.5109% | 4,088 |
| Pretax return on assets | 0.6359% | 4,001 |
| Return on Equity (ROE) | 6.3593% | 3,465 |
| Retained earnings to average equity (ytd only) | 5.5482% | 2,025 |
| Net charge-offs to loans | 0.1235% | 1,265 |
| Credit loss provision to net charge-offs | 317.6162% | 1,675 |
| Earnings coverage of net charge-offs (x) | 8.4722% | 2,600 |
| Efficiency ratio | 78.3919% | 1,006 |
| Assets per employee ($millions) | 6.0208% | 2,323 |
| Cash dividends to net income (ytd only)* | 12.7551% | 3,492 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2624% | 2,606 |
| Loan loss allowance to noncurrent loans | 92.5544% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 1.0151% | 930 |
| Noncurrent loans to loans | 1.3639% | 995 |
| Net loans and leases to total assets | 73.4887% | 1,091 |
| Net loans and leases to deposits | 86.3002% | 1,229 |
| Net loans and leases to core deposits | 94.3028% | 1,227 |
| Total domestic deposits to total assets | 85.1547% | 2,702 |
| Equity capital to assets | 7.9122% | 4,744 |
| Core capital (leverage) ratio | 9.1035% | 3,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3008% | 2,125 |
| Memoranda: |
| Average total assets | $1,534,439,600 | 604 |
| Average earning assets | $1,453,318,800 | 581 |
| Average equity | $123,283,800 | 798 |
| Average total loans | $1,236,618,200 | 532 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7521% | 3,679 |
| Cost of funding earning assets | 0.4954% | 3,255 |
| Net interest margin | 3.2567% | 3,317 |
| Noninterest income to average assets | 0.7848% | 1,551 |
| Noninterest expense to average assets | 2.9820% | 1,480 |
| Loan and lease loss provision to assets | 0.4304% | 774 |
| Net operating income to assets | 0.3693% | 4,324 |
| Return on assets (ROA) | 0.3332% | 4,442 |
| Pretax return on assets | 0.4150% | 4,412 |
| Return on Equity (ROE) | 4.1296% | 4,127 |
| Retained earnings to average equity (ytd only) | 3.0299% | 3,511 |
| Net charge-offs to loans | 0.0289% | 2,254 |
| Credit loss provision to net charge-offs | 1,809.7015% | 525 |
| Earnings coverage of net charge-offs (x) | 37.4478% | 1,412 |
| Efficiency ratio | 77.0043% | 1,120 |
| Assets per employee ($millions) | 6.1620% | 2,125 |
| Cash dividends to net income (ytd only)* | 26.6312% | 2,509 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2887% | 2,203 |
| Loan loss allowance to noncurrent loans | 154.5904% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 0.6659% | 1,731 |
| Noncurrent loans to loans | 0.8336% | 1,761 |
| Net loans and leases to total assets | 78.8478% | 733 |
| Net loans and leases to deposits | 92.3244% | 1,046 |
| Net loans and leases to core deposits | 100.8733% | 1,101 |
| Total domestic deposits to total assets | 85.4030% | 2,283 |
| Equity capital to assets | 7.5280% | 4,852 |
| Core capital (leverage) ratio | 8.8410% | 3,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8339% | 2,273 |
| Memoranda: |
| Average total assets | $1,502,617,750 | 600 |
| Average earning assets | $1,424,624,250 | 575 |
| Average equity | $121,235,000 | 806 |
| Average total loans | $1,236,574,000 | 522 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9148% | 3,574 |
| Cost of funding earning assets | 0.5480% | 3,251 |
| Net interest margin | 3.3668% | 3,203 |
| Noninterest income to average assets | 0.7452% | 1,591 |
| Noninterest expense to average assets | 3.0382% | 1,487 |
| Loan and lease loss provision to assets | 0.5559% | 596 |
| Net operating income to assets | 0.2776% | 4,458 |
| Return on assets (ROA) | 0.1397% | 4,678 |
| Pretax return on assets | 0.1696% | 4,660 |
| Return on Equity (ROE) | 1.6894% | 4,588 |
| Retained earnings to average equity (ytd only) | 0.0299% | 4,300 |
| Net charge-offs to loans | 0.0594% | 1,656 |
| Credit loss provision to net charge-offs | 1,125.0000% | 729 |
| Earnings coverage of net charge-offs (x) | 18.0861% | 1,782 |
| Efficiency ratio | 77.2708% | 1,126 |
| Assets per employee ($millions) | 6.3000% | 1,948 |
| Cash dividends to net income (ytd only)* | 98.2318% | 500 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2064% | 2,482 |
| Loan loss allowance to noncurrent loans | 124.9707% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 0.7867% | 1,582 |
| Noncurrent loans to loans | 0.9653% | 1,602 |
| Net loans and leases to total assets | 80.5117% | 535 |
| Net loans and leases to deposits | 94.1845% | 948 |
| Net loans and leases to core deposits | 102.9896% | 1,062 |
| Total domestic deposits to total assets | 85.4829% | 2,211 |
| Equity capital to assets | 7.3914% | 4,905 |
| Core capital (leverage) ratio | 8.9304% | 3,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4926% | 2,405 |
| Memoranda: |
| Average total assets | $1,457,122,667 | 605 |
| Average earning assets | $1,379,168,667 | 583 |
| Average equity | $120,516,333 | 803 |
| Average total loans | $1,212,342,667 | 528 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1362% | 3,416 |
| Cost of funding earning assets | 0.6598% | 3,117 |
| Net interest margin | 3.4764% | 3,061 |
| Noninterest income to average assets | 0.8539% | 1,159 |
| Noninterest expense to average assets | 3.4028% | 1,062 |
| Loan and lease loss provision to assets | 0.5244% | 558 |
| Net operating income to assets | 0.1780% | 4,558 |
| Return on assets (ROA) | -0.5311% | 4,910 |
| Pretax return on assets | -0.6797% | 4,918 |
| Return on Equity (ROE) | -6.0412% | 4,946 |
| Retained earnings to average equity (ytd only) | -9.3551% | 4,745 |
| Net charge-offs to loans | 0.0298% | 1,786 |
| Credit loss provision to net charge-offs | 2,093.0233% | 331 |
| Earnings coverage of net charge-offs (x) | 29.6279% | 1,191 |
| Efficiency ratio | 82.0917% | 967 |
| Assets per employee ($millions) | 5.2026% | 2,423 |
| Cash dividends to net income (ytd only)* | -54.8546% | 5,086 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2083% | 2,622 |
| Loan loss allowance to noncurrent loans | 151.9696% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 0.6659% | 2,001 |
| Noncurrent loans to loans | 0.7951% | 2,018 |
| Net loans and leases to total assets | 82.7372% | 377 |
| Net loans and leases to deposits | 105.1399% | 326 |
| Net loans and leases to core deposits | 108.2523% | 939 |
| Total domestic deposits to total assets | 78.6925% | 4,107 |
| Equity capital to assets | 8.4629% | 4,848 |
| Core capital (leverage) ratio | 10.2128% | 3,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4312% | 2,515 |
| Memoranda: |
| Average total assets | $1,372,978,500 | 611 |
| Average earning assets | $1,299,837,000 | 594 |
| Average equity | $120,704,000 | 790 |
| Average total loans | $1,156,201,000 | 527 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3433% | 3,413 |
| Cost of funding earning assets | 0.8304% | 2,527 |
| Net interest margin | 3.5128% | 3,410 |
| Noninterest income to average assets | 0.6718% | 1,914 |
| Noninterest expense to average assets | 3.1445% | 1,655 |
| Loan and lease loss provision to assets | 0.1589% | 1,318 |
| Net operating income to assets | 0.5602% | 4,267 |
| Return on assets (ROA) | 0.7145% | 3,883 |
| Pretax return on assets | 0.8868% | 3,779 |
| Return on Equity (ROE) | 7.7124% | 3,286 |
| Retained earnings to average equity (ytd only) | 5.4824% | 2,173 |
| Net charge-offs to loans | 0.1023% | 1,704 |
| Credit loss provision to net charge-offs | 186.5079% | 1,415 |
| Earnings coverage of net charge-offs (x) | 10.0379% | 2,603 |
| Efficiency ratio | 78.6199% | 1,078 |
| Assets per employee ($millions) | 5.0261% | 2,559 |
| Cash dividends to net income (ytd only)* | 28.9139% | 3,130 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0655% | 3,139 |
| Loan loss allowance to noncurrent loans | 119.3436% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 0.7561% | 1,713 |
| Noncurrent loans to loans | 0.8928% | 1,720 |
| Net loans and leases to total assets | 83.7783% | 338 |
| Net loans and leases to deposits | 102.6584% | 434 |
| Net loans and leases to core deposits | 112.5103% | 737 |
| Total domestic deposits to total assets | 81.6088% | 3,615 |
| Equity capital to assets | 9.1252% | 4,626 |
| Core capital (leverage) ratio | 10.5191% | 2,935 |
| Tier 1 risk-based capital ratio | 12.5891% | 4,017 |
| Total risk-based capital ratio | 13.6771% | 3,985 |
| Memoranda: |
| Average total assets | $1,331,131,200 | 608 |
| Average earning assets | $1,261,031,200 | 588 |
| Average equity | $123,320,800 | 738 |
| Average total loans | $1,108,067,200 | 525 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3654% | 3,459 |
| Cost of funding earning assets | 0.8585% | 2,421 |
| Net interest margin | 3.5069% | 3,545 |
| Noninterest income to average assets | 0.6501% | 1,986 |
| Noninterest expense to average assets | 3.0022% | 1,974 |
| Loan and lease loss provision to assets | 0.0806% | 2,296 |
| Net operating income to assets | 0.7069% | 3,989 |
| Return on assets (ROA) | 0.8665% | 3,542 |
| Pretax return on assets | 1.0913% | 3,317 |
| Return on Equity (ROE) | 9.3174% | 2,751 |
| Retained earnings to average equity (ytd only) | 8.5049% | 1,201 |
| Net charge-offs to loans | 0.0560% | 2,028 |
| Credit loss provision to net charge-offs | 173.5358% | 1,472 |
| Earnings coverage of net charge-offs (x) | 20.8807% | 1,935 |
| Efficiency ratio | 75.5840% | 1,373 |
| Assets per employee ($millions) | 5.3859% | 2,136 |
| Cash dividends to net income (ytd only)* | 8.7200% | 3,391 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0481% | 3,299 |
| Loan loss allowance to noncurrent loans | 100.3705% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 0.8688% | 1,578 |
| Noncurrent loans to loans | 1.0442% | 1,535 |
| Net loans and leases to total assets | 82.3334% | 525 |
| Net loans and leases to deposits | 100.5131% | 596 |
| Net loans and leases to core deposits | 105.1510% | 1,248 |
| Total domestic deposits to total assets | 81.9131% | 3,493 |
| Equity capital to assets | 9.3803% | 4,541 |
| Core capital (leverage) ratio | 10.7030% | 2,932 |
| Tier 1 risk-based capital ratio | 13.2678% | 3,706 |
| Total risk-based capital ratio | 14.3462% | 3,704 |
| Memoranda: |
| Average total assets | $1,323,398,500 | 610 |
| Average earning assets | $1,253,587,250 | 594 |
| Average equity | $123,078,250 | 737 |
| Average total loans | $1,096,733,500 | 532 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3639% | 3,441 |
| Cost of funding earning assets | 0.8641% | 2,327 |
| Net interest margin | 3.4999% | 3,595 |
| Noninterest income to average assets | 0.6164% | 2,078 |
| Noninterest expense to average assets | 2.9889% | 2,034 |
| Loan and lease loss provision to assets | 0.0758% | 2,300 |
| Net operating income to assets | 0.6902% | 4,035 |
| Return on assets (ROA) | 0.8887% | 3,392 |
| Pretax return on assets | 1.1200% | 3,176 |
| Return on Equity (ROE) | 9.5832% | 2,601 |
| Retained earnings to average equity (ytd only) | 8.3571% | 1,258 |
| Net charge-offs to loans | 0.0601% | 1,788 |
| Credit loss provision to net charge-offs | 152.4390% | 1,468 |
| Earnings coverage of net charge-offs (x) | 18.9970% | 1,837 |
| Efficiency ratio | 75.9857% | 1,398 |
| Assets per employee ($millions) | 5.4571% | 2,002 |
| Cash dividends to net income (ytd only)* | 12.7943% | 3,224 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0504% | 3,333 |
| Loan loss allowance to noncurrent loans | 163.8972% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.5261% | 2,451 |
| Noncurrent loans to loans | 0.6409% | 2,338 |
| Net loans and leases to total assets | 81.2229% | 705 |
| Net loans and leases to deposits | 98.6595% | 781 |
| Net loans and leases to core deposits | 103.7322% | 1,405 |
| Total domestic deposits to total assets | 82.3265% | 3,431 |
| Equity capital to assets | 9.3033% | 4,574 |
| Core capital (leverage) ratio | 10.6764% | 2,907 |
| Tier 1 risk-based capital ratio | 13.1449% | 3,764 |
| Total risk-based capital ratio | 14.2186% | 3,765 |
| Memoranda: |
| Average total assets | $1,319,293,000 | 611 |
| Average earning assets | $1,250,388,330 | 594 |
| Average equity | $122,339,670 | 734 |
| Average total loans | $1,091,849,000 | 529 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3661% | 3,353 |
| Cost of funding earning assets | 0.8908% | 2,050 |
| Net interest margin | 3.4753% | 3,665 |
| Noninterest income to average assets | 0.5523% | 2,276 |
| Noninterest expense to average assets | 3.0025% | 1,990 |
| Loan and lease loss provision to assets | 0.0609% | 2,439 |
| Net operating income to assets | 0.6233% | 4,171 |
| Return on assets (ROA) | 0.9032% | 3,271 |
| Pretax return on assets | 1.1371% | 3,020 |
| Return on Equity (ROE) | 9.7556% | 2,470 |
| Retained earnings to average equity (ytd only) | 7.2879% | 1,934 |
| Net charge-offs to loans | 0.0110% | 2,293 |
| Credit loss provision to net charge-offs | 666.6667% | 496 |
| Earnings coverage of net charge-offs (x) | 92.3333% | 702 |
| Efficiency ratio | 78.0629% | 1,258 |
| Assets per employee ($millions) | 5.2944% | 2,181 |
| Cash dividends to net income (ytd only)* | 25.2951% | 2,341 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0565% | 3,375 |
| Loan loss allowance to noncurrent loans | 183.8699% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.4698% | 2,736 |
| Noncurrent loans to loans | 0.5746% | 2,605 |
| Net loans and leases to total assets | 80.8951% | 723 |
| Net loans and leases to deposits | 97.9376% | 794 |
| Net loans and leases to core deposits | 104.0045% | 1,317 |
| Total domestic deposits to total assets | 82.5986% | 3,538 |
| Equity capital to assets | 9.2020% | 4,533 |
| Core capital (leverage) ratio | 10.3716% | 3,196 |
| Tier 1 risk-based capital ratio | 13.0371% | 3,863 |
| Total risk-based capital ratio | 14.1242% | 3,841 |
| Memoranda: |
| Average total assets | $1,313,172,500 | 617 |
| Average earning assets | $1,244,685,500 | 597 |
| Average equity | $121,571,500 | 738 |
| Average total loans | $1,091,277,500 | 533 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1225% | 3,674 |
| Cost of funding earning assets | 0.6784% | 2,222 |
| Net interest margin | 3.4441% | 3,870 |
| Noninterest income to average assets | 0.6199% | 2,193 |
| Noninterest expense to average assets | 2.8901% | 2,390 |
| Loan and lease loss provision to assets | 0.0857% | 2,424 |
| Net operating income to assets | 0.7214% | 4,071 |
| Return on assets (ROA) | 0.7172% | 4,095 |
| Pretax return on assets | 0.9039% | 3,887 |
| Return on Equity (ROE) | 7.6754% | 3,581 |
| Retained earnings to average equity (ytd only) | 7.2583% | 1,556 |
| Net charge-offs to loans | 0.0165% | 3,137 |
| Credit loss provision to net charge-offs | 625.0000% | 550 |
| Earnings coverage of net charge-offs (x) | 72.5341% | 910 |
| Efficiency ratio | 74.3886% | 1,576 |
| Assets per employee ($millions) | 5.2106% | 2,253 |
| Cash dividends to net income (ytd only)* | 5.4342% | 3,934 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0318% | 3,491 |
| Loan loss allowance to noncurrent loans | 169.8813% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 0.5131% | 2,543 |
| Noncurrent loans to loans | 0.6074% | 2,457 |
| Net loans and leases to total assets | 83.6068% | 449 |
| Net loans and leases to deposits | 102.5327% | 559 |
| Net loans and leases to core deposits | 112.0000% | 880 |
| Total domestic deposits to total assets | 81.5416% | 3,775 |
| Equity capital to assets | 9.3151% | 4,306 |
| Core capital (leverage) ratio | 10.4161% | 3,124 |
| Tier 1 risk-based capital ratio | 12.8371% | 3,949 |
| Total risk-based capital ratio | 13.9273% | 3,918 |
| Memoranda: |
| Average total assets | $1,282,970,600 | 612 |
| Average earning assets | $1,216,333,200 | 592 |
| Average equity | $119,875,800 | 719 |
| Average total loans | $1,069,634,600 | 528 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0378% | 3,821 |
| Cost of funding earning assets | 0.6362% | 2,237 |
| Net interest margin | 3.4017% | 4,001 |
| Noninterest income to average assets | 0.6404% | 2,114 |
| Noninterest expense to average assets | 2.7905% | 2,666 |
| Loan and lease loss provision to assets | 0.0938% | 2,102 |
| Net operating income to assets | 0.7780% | 3,979 |
| Return on assets (ROA) | 0.7938% | 3,936 |
| Pretax return on assets | 1.0027% | 3,716 |
| Return on Equity (ROE) | 8.4893% | 3,336 |
| Retained earnings to average equity (ytd only) | 7.9320% | 1,687 |
| Net charge-offs to loans | 0.0041% | 3,308 |
| Credit loss provision to net charge-offs | 2,727.2727% | 150 |
| Earnings coverage of net charge-offs (x) | 312.9923% | 300 |
| Efficiency ratio | 72.1628% | 1,857 |
| Assets per employee ($millions) | 5.3364% | 2,089 |
| Cash dividends to net income (ytd only)* | 6.5643% | 3,486 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0259% | 3,615 |
| Loan loss allowance to noncurrent loans | 131.2799% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 0.6529% | 2,236 |
| Noncurrent loans to loans | 0.7815% | 2,143 |
| Net loans and leases to total assets | 82.6890% | 604 |
| Net loans and leases to deposits | 101.7992% | 663 |
| Net loans and leases to core deposits | 110.9497% | 980 |
| Total domestic deposits to total assets | 81.2275% | 3,810 |
| Equity capital to assets | 9.4231% | 4,162 |
| Core capital (leverage) ratio | 10.2388% | 3,359 |
| Tier 1 risk-based capital ratio | 12.7388% | 4,058 |
| Total risk-based capital ratio | 13.8800% | 4,027 |
| Memoranda: |
| Average total assets | $1,279,352,000 | 610 |
| Average earning assets | $1,213,490,000 | 592 |
| Average equity | $119,630,250 | 711 |
| Average total loans | $1,063,028,000 | 529 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9474% | 3,937 |
| Cost of funding earning assets | 0.5813% | 2,353 |
| Net interest margin | 3.3662% | 4,056 |
| Noninterest income to average assets | 0.6316% | 2,173 |
| Noninterest expense to average assets | 2.7893% | 2,691 |
| Loan and lease loss provision to assets | 0.1262% | 1,572 |
| Net operating income to assets | 0.7185% | 4,144 |
| Return on assets (ROA) | 0.7185% | 4,149 |
| Pretax return on assets | 0.9098% | 3,935 |
| Return on Equity (ROE) | 7.7042% | 3,621 |
| Retained earnings to average equity (ytd only) | 7.7042% | 1,752 |
| Net charge-offs to loans | 0.0082% | 2,834 |
| Credit loss provision to net charge-offs | 1,860.4651% | 227 |
| Earnings coverage of net charge-offs (x) | 152.7674% | 516 |
| Efficiency ratio | 72.9180% | 1,860 |
| Assets per employee ($millions) | 5.3358% | 2,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0279% | 3,660 |
| Loan loss allowance to noncurrent loans | 128.0837% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 0.6682% | 2,233 |
| Noncurrent loans to loans | 0.8025% | 2,125 |
| Net loans and leases to total assets | 82.3989% | 666 |
| Net loans and leases to deposits | 101.9773% | 662 |
| Net loans and leases to core deposits | 110.3073% | 978 |
| Total domestic deposits to total assets | 80.8012% | 4,055 |
| Equity capital to assets | 9.2756% | 4,310 |
| Core capital (leverage) ratio | 10.4409% | 3,089 |
| Tier 1 risk-based capital ratio | 12.5777% | 4,133 |
| Total risk-based capital ratio | 13.7088% | 4,106 |
| Memoranda: |
| Average total assets | $1,268,216,670 | 614 |
| Average earning assets | $1,203,213,000 | 596 |
| Average equity | $118,272,670 | 719 |
| Average total loans | $1,051,784,670 | 530 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8998% | 3,922 |
| Cost of funding earning assets | 0.5490% | 2,413 |
| Net interest margin | 3.3508% | 4,048 |
| Noninterest income to average assets | 0.5856% | 2,332 |
| Noninterest expense to average assets | 2.8357% | 2,588 |
| Loan and lease loss provision to assets | 0.0959% | 1,914 |
| Net operating income to assets | 0.6550% | 4,262 |
| Return on assets (ROA) | 0.6550% | 4,273 |
| Pretax return on assets | 0.8340% | 4,072 |
| Return on Equity (ROE) | 7.0035% | 3,780 |
| Retained earnings to average equity (ytd only) | 7.0035% | 2,275 |
| Net charge-offs to loans | -0.0324% | 4,777 |
| Credit loss provision to net charge-offs | -357.1429% | 3,922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3056% | 1,701 |
| Assets per employee ($millions) | 5.1354% | 2,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0425% | 3,712 |
| Loan loss allowance to noncurrent loans | 124.7567% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 0.6975% | 2,237 |
| Noncurrent loans to loans | 0.8356% | 2,150 |
| Net loans and leases to total assets | 82.5969% | 587 |
| Net loans and leases to deposits | 101.2330% | 628 |
| Net loans and leases to core deposits | 114.0904% | 802 |
| Total domestic deposits to total assets | 81.5908% | 4,069 |
| Equity capital to assets | 9.5472% | 4,048 |
| Core capital (leverage) ratio | 10.4190% | 3,041 |
| Tier 1 risk-based capital ratio | 12.9540% | 3,973 |
| Total risk-based capital ratio | 14.1152% | 3,918 |
| Memoranda: |
| Average total assets | $1,251,351,500 | 635 |
| Average earning assets | $1,187,553,500 | 609 |
| Average equity | $117,027,500 | 730 |
| Average total loans | $1,035,711,000 | 542 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8082% | 4,026 |
| Cost of funding earning assets | 0.5467% | 1,980 |
| Net interest margin | 3.2615% | 4,283 |
| Noninterest income to average assets | 0.6196% | 2,349 |
| Noninterest expense to average assets | 2.7980% | 2,785 |
| Loan and lease loss provision to assets | 0.1057% | 2,120 |
| Net operating income to assets | 0.2646% | 4,996 |
| Return on assets (ROA) | 0.2646% | 5,014 |
| Pretax return on assets | 0.8104% | 4,215 |
| Return on Equity (ROE) | 3.0662% | 4,808 |
| Retained earnings to average equity (ytd only) | 3.0662% | 3,465 |
| Net charge-offs to loans | 0.0181% | 3,497 |
| Credit loss provision to net charge-offs | 704.7872% | 463 |
| Earnings coverage of net charge-offs (x) | 61.0585% | 946 |
| Efficiency ratio | 75.3341% | 1,710 |
| Assets per employee ($millions) | 5.2492% | 2,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0001% | 3,950 |
| Loan loss allowance to noncurrent loans | 122.7106% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 0.6690% | 2,306 |
| Noncurrent loans to loans | 0.8150% | 2,171 |
| Net loans and leases to total assets | 81.2620% | 786 |
| Net loans and leases to deposits | 99.7217% | 747 |
| Net loans and leases to core deposits | 112.6223% | 862 |
| Total domestic deposits to total assets | 81.4888% | 4,000 |
| Equity capital to assets | 9.1612% | 4,565 |
| Core capital (leverage) ratio | 9.9459% | 3,525 |
| Tier 1 risk-based capital ratio | 12.8538% | 4,002 |
| Total risk-based capital ratio | 14.0045% | 3,954 |
| Memoranda: |
| Average total assets | $1,253,016,400 | 607 |
| Average earning assets | $1,188,837,800 | 591 |
| Average equity | $108,113,000 | 757 |
| Average total loans | $1,036,455,800 | 524 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7684% | 4,113 |
| Cost of funding earning assets | 0.5365% | 1,981 |
| Net interest margin | 3.2319% | 4,381 |
| Noninterest income to average assets | 0.6323% | 2,303 |
| Noninterest expense to average assets | 2.7405% | 2,928 |
| Loan and lease loss provision to assets | 0.0960% | 2,181 |
| Net operating income to assets | 0.5832% | 4,449 |
| Return on assets (ROA) | 0.5832% | 4,488 |
| Pretax return on assets | 0.8647% | 4,158 |
| Return on Equity (ROE) | 6.8670% | 3,737 |
| Retained earnings to average equity (ytd only) | 6.8670% | 1,763 |
| Net charge-offs to loans | -0.0084% | 4,583 |
| Credit loss provision to net charge-offs | -1,384.6154% | 5,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0432% | 1,884 |
| Assets per employee ($millions) | 5.3098% | 2,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9696% | 4,237 |
| Loan loss allowance to noncurrent loans | 98.2870% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 0.8325% | 2,066 |
| Noncurrent loans to loans | 0.9865% | 1,956 |
| Net loans and leases to total assets | 81.5155% | 765 |
| Net loans and leases to deposits | 102.6871% | 568 |
| Net loans and leases to core deposits | 113.2644% | 877 |
| Total domestic deposits to total assets | 79.3824% | 4,466 |
| Equity capital to assets | 9.1386% | 4,789 |
| Core capital (leverage) ratio | 10.0056% | 3,554 |
| Tier 1 risk-based capital ratio | 12.6487% | 4,235 |
| Total risk-based capital ratio | 13.7596% | 4,222 |
| Memoranda: |
| Average total assets | $1,250,003,250 | 609 |
| Average earning assets | $1,186,964,500 | 593 |
| Average equity | $106,167,500 | 771 |
| Average total loans | $1,035,968,250 | 522 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7240% | 4,145 |
| Cost of funding earning assets | 0.5166% | 2,042 |
| Net interest margin | 3.2074% | 4,398 |
| Noninterest income to average assets | 0.6311% | 2,311 |
| Noninterest expense to average assets | 2.7704% | 2,859 |
| Loan and lease loss provision to assets | 0.0968% | 2,067 |
| Net operating income to assets | 0.5464% | 4,537 |
| Return on assets (ROA) | 0.5464% | 4,575 |
| Pretax return on assets | 0.8080% | 4,237 |
| Return on Equity (ROE) | 6.6059% | 3,777 |
| Retained earnings to average equity (ytd only) | 6.6059% | 1,792 |
| Net charge-offs to loans | -0.0149% | 4,667 |
| Credit loss provision to net charge-offs | -779.2208% | 4,772 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3818% | 1,811 |
| Assets per employee ($millions) | 5.3069% | 2,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9369% | 4,484 |
| Loan loss allowance to noncurrent loans | 105.0598% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 0.7634% | 2,299 |
| Noncurrent loans to loans | 0.8917% | 2,192 |
| Net loans and leases to total assets | 82.3981% | 619 |
| Net loans and leases to deposits | 103.7920% | 504 |
| Net loans and leases to core deposits | 114.6854% | 768 |
| Total domestic deposits to total assets | 79.3877% | 4,535 |
| Equity capital to assets | 8.2219% | 5,435 |
| Core capital (leverage) ratio | 9.2203% | 4,466 |
| Tier 1 risk-based capital ratio | 11.2879% | 5,095 |
| Total risk-based capital ratio | 12.3493% | 5,094 |
| Memoranda: |
| Average total assets | $1,240,118,330 | 614 |
| Average earning assets | $1,176,958,670 | 596 |
| Average equity | $102,575,670 | 806 |
| Average total loans | $1,030,180,330 | 523 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6556% | 4,256 |
| Cost of funding earning assets | 0.4998% | 2,086 |
| Net interest margin | 3.1558% | 4,481 |
| Noninterest income to average assets | 0.6242% | 2,300 |
| Noninterest expense to average assets | 2.8574% | 2,591 |
| Loan and lease loss provision to assets | 0.0981% | 1,926 |
| Net operating income to assets | 0.4509% | 4,773 |
| Return on assets (ROA) | 0.4509% | 4,794 |
| Pretax return on assets | 0.6644% | 4,548 |
| Return on Equity (ROE) | 5.4343% | 4,178 |
| Retained earnings to average equity (ytd only) | 5.4343% | 2,640 |
| Net charge-offs to loans | 0.0272% | 2,214 |
| Credit loss provision to net charge-offs | 434.7826% | 619 |
| Earnings coverage of net charge-offs (x) | 33.7971% | 1,140 |
| Efficiency ratio | 78.9360% | 1,499 |
| Assets per employee ($millions) | 5.2788% | 2,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9201% | 4,678 |
| Loan loss allowance to noncurrent loans | 91.2583% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 0.8606% | 2,154 |
| Noncurrent loans to loans | 1.0082% | 2,036 |
| Net loans and leases to total assets | 82.2873% | 538 |
| Net loans and leases to deposits | 102.3125% | 484 |
| Net loans and leases to core deposits | 112.2477% | 760 |
| Total domestic deposits to total assets | 80.4274% | 4,541 |
| Equity capital to assets | 8.2552% | 5,381 |
| Core capital (leverage) ratio | 9.3255% | 4,311 |
| Tier 1 risk-based capital ratio | 11.3936% | 5,094 |
| Total risk-based capital ratio | 12.4187% | 5,117 |
| Memoranda: |
| Average total assets | $1,223,345,500 | 626 |
| Average earning assets | $1,161,288,500 | 609 |
| Average equity | $101,504,000 | 810 |
| Average total loans | $1,015,570,500 | 531 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7597% | 4,024 |
| Cost of funding earning assets | 0.4994% | 2,092 |
| Net interest margin | 3.2602% | 4,268 |
| Noninterest income to average assets | 0.7222% | 2,068 |
| Noninterest expense to average assets | 3.0633% | 2,133 |
| Loan and lease loss provision to assets | 0.1120% | 2,194 |
| Net operating income to assets | 0.4617% | 4,763 |
| Return on assets (ROA) | 0.6007% | 4,313 |
| Pretax return on assets | 0.8337% | 4,075 |
| Return on Equity (ROE) | 7.3055% | 3,312 |
| Retained earnings to average equity (ytd only) | 7.3055% | 1,111 |
| Net charge-offs to loans | 0.4550% | 559 |
| Credit loss provision to net charge-offs | 29.8507% | 3,592 |
| Earnings coverage of net charge-offs (x) | 2.0057% | 3,902 |
| Efficiency ratio | 80.2786% | 1,387 |
| Assets per employee ($millions) | 5.1326% | 2,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9240% | 4,678 |
| Loan loss allowance to noncurrent loans | 88.7013% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 0.8895% | 2,129 |
| Noncurrent loans to loans | 1.0417% | 1,997 |
| Net loans and leases to total assets | 82.2125% | 576 |
| Net loans and leases to deposits | 101.3936% | 575 |
| Net loans and leases to core deposits | 111.6168% | 793 |
| Total domestic deposits to total assets | 81.0826% | 4,315 |
| Equity capital to assets | 8.3404% | 5,395 |
| Core capital (leverage) ratio | 9.2548% | 4,399 |
| Tier 1 risk-based capital ratio | 11.5562% | 5,017 |
| Total risk-based capital ratio | 12.5430% | 5,071 |
| Memoranda: |
| Average total assets | $1,160,756,600 | 625 |
| Average earning assets | $1,101,422,400 | 606 |
| Average equity | $95,448,600 | 837 |
| Average total loans | $957,196,400 | 531 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6551% | 4,394 |
| Cost of funding earning assets | 0.4938% | 2,141 |
| Net interest margin | 3.1613% | 4,600 |
| Noninterest income to average assets | 0.7954% | 1,782 |
| Noninterest expense to average assets | 2.9325% | 2,532 |
| Loan and lease loss provision to assets | 0.0899% | 2,429 |
| Net operating income to assets | 0.5195% | 4,621 |
| Return on assets (ROA) | 0.5823% | 4,476 |
| Pretax return on assets | 0.8648% | 4,102 |
| Return on Equity (ROE) | 7.1082% | 3,502 |
| Retained earnings to average equity (ytd only) | 7.1082% | 1,568 |
| Net charge-offs to loans | 0.0492% | 2,670 |
| Credit loss provision to net charge-offs | 222.0630% | 1,326 |
| Earnings coverage of net charge-offs (x) | 21.2665% | 1,825 |
| Efficiency ratio | 77.3041% | 1,794 |
| Assets per employee ($millions) | 5.0150% | 2,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2931% | 2,725 |
| Loan loss allowance to noncurrent loans | 95.0990% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 1.1576% | 1,735 |
| Noncurrent loans to loans | 1.3598% | 1,622 |
| Net loans and leases to total assets | 82.0969% | 608 |
| Net loans and leases to deposits | 102.7418% | 525 |
| Net loans and leases to core deposits | 113.0598% | 764 |
| Total domestic deposits to total assets | 79.9060% | 4,531 |
| Equity capital to assets | 8.1352% | 5,695 |
| Core capital (leverage) ratio | 9.2946% | 4,463 |
| Tier 1 risk-based capital ratio | 11.6677% | 5,000 |
| Total risk-based capital ratio | 12.9758% | 4,866 |
| Memoranda: |
| Average total assets | $1,149,403,250 | 626 |
| Average earning assets | $1,090,017,500 | 608 |
| Average equity | $94,160,750 | 850 |
| Average total loans | $946,277,750 | 535 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6604% | 4,412 |
| Cost of funding earning assets | 0.4907% | 2,183 |
| Net interest margin | 3.1697% | 4,642 |
| Noninterest income to average assets | 0.7757% | 1,824 |
| Noninterest expense to average assets | 2.9911% | 2,380 |
| Loan and lease loss provision to assets | 0.0791% | 2,563 |
| Net operating income to assets | 0.4788% | 4,771 |
| Return on assets (ROA) | 0.5740% | 4,505 |
| Pretax return on assets | 0.8522% | 4,115 |
| Return on Equity (ROE) | 6.9896% | 3,546 |
| Retained earnings to average equity (ytd only) | 6.9896% | 1,606 |
| Net charge-offs to loans | 0.0420% | 2,623 |
| Credit loss provision to net charge-offs | 229.5918% | 1,186 |
| Earnings coverage of net charge-offs (x) | 22.9133% | 1,610 |
| Efficiency ratio | 79.1223% | 1,619 |
| Assets per employee ($millions) | 4.9147% | 2,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3084% | 2,738 |
| Loan loss allowance to noncurrent loans | 93.8000% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 1.1776% | 1,775 |
| Noncurrent loans to loans | 1.3949% | 1,601 |
| Net loans and leases to total assets | 81.3156% | 706 |
| Net loans and leases to deposits | 103.5289% | 479 |
| Net loans and leases to core deposits | 113.0940% | 768 |
| Total domestic deposits to total assets | 78.5439% | 4,884 |
| Equity capital to assets | 8.0852% | 5,776 |
| Core capital (leverage) ratio | 9.4348% | 4,288 |
| Tier 1 risk-based capital ratio | 11.7235% | 5,018 |
| Total risk-based capital ratio | 13.0191% | 4,870 |
| Memoranda: |
| Average total assets | $1,138,027,000 | 635 |
| Average earning assets | $1,078,783,670 | 614 |
| Average equity | $93,453,330 | 854 |
| Average total loans | $933,579,670 | 540 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6795% | 4,394 |
| Cost of funding earning assets | 0.4990% | 2,118 |
| Net interest margin | 3.1806% | 4,640 |
| Noninterest income to average assets | 0.7871% | 1,670 |
| Noninterest expense to average assets | 3.0722% | 2,171 |
| Loan and lease loss provision to assets | 0.0800% | 2,358 |
| Net operating income to assets | 0.4325% | 4,891 |
| Return on assets (ROA) | 0.5609% | 4,470 |
| Pretax return on assets | 0.8447% | 4,047 |
| Return on Equity (ROE) | 6.7761% | 3,575 |
| Retained earnings to average equity (ytd only) | 6.7761% | 1,991 |
| Net charge-offs to loans | 0.0417% | 2,169 |
| Credit loss provision to net charge-offs | 234.3750% | 980 |
| Earnings coverage of net charge-offs (x) | 21.3854% | 1,432 |
| Efficiency ratio | 80.7969% | 1,510 |
| Assets per employee ($millions) | 4.8110% | 2,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3466% | 2,674 |
| Loan loss allowance to noncurrent loans | 98.7137% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 1.1394% | 1,938 |
| Noncurrent loans to loans | 1.3642% | 1,742 |
| Net loans and leases to total assets | 80.2153% | 782 |
| Net loans and leases to deposits | 100.8098% | 578 |
| Net loans and leases to core deposits | 109.9890% | 853 |
| Total domestic deposits to total assets | 79.5709% | 4,842 |
| Equity capital to assets | 8.2029% | 5,745 |
| Core capital (leverage) ratio | 9.4517% | 4,275 |
| Tier 1 risk-based capital ratio | 12.0309% | 4,895 |
| Total risk-based capital ratio | 13.3317% | 4,774 |
| Memoranda: |
| Average total assets | $1,124,650,000 | 644 |
| Average earning assets | $1,066,224,500 | 625 |
| Average equity | $93,092,500 | 855 |
| Average total loans | $920,516,500 | 544 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7082% | 4,346 |
| Cost of funding earning assets | 0.4484% | 2,639 |
| Net interest margin | 3.2598% | 4,440 |
| Noninterest income to average assets | 0.7426% | 2,013 |
| Noninterest expense to average assets | 3.3415% | 1,625 |
| Loan and lease loss provision to assets | 0.1319% | 1,814 |
| Net operating income to assets | 0.2551% | 5,471 |
| Return on assets (ROA) | 0.3249% | 5,368 |
| Pretax return on assets | 0.4614% | 5,198 |
| Return on Equity (ROE) | 3.8008% | 5,026 |
| Retained earnings to average equity (ytd only) | 3.8008% | 3,328 |
| Net charge-offs to loans | 0.1539% | 1,836 |
| Credit loss provision to net charge-offs | 104.5488% | 2,402 |
| Earnings coverage of net charge-offs (x) | 3.9120% | 3,642 |
| Efficiency ratio | 87.1023% | 899 |
| Assets per employee ($millions) | 4.6607% | 2,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3404% | 2,707 |
| Loan loss allowance to noncurrent loans | 101.8123% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 1.1169% | 1,963 |
| Noncurrent loans to loans | 1.3166% | 1,792 |
| Net loans and leases to total assets | 81.2940% | 668 |
| Net loans and leases to deposits | 105.7524% | 372 |
| Net loans and leases to core deposits | 115.7026% | 611 |
| Total domestic deposits to total assets | 76.8720% | 5,337 |
| Equity capital to assets | 8.3534% | 5,666 |
| Core capital (leverage) ratio | 9.5228% | 4,141 |
| Tier 1 risk-based capital ratio | 12.0308% | 4,926 |
| Total risk-based capital ratio | 13.3655% | 4,780 |
| Memoranda: |
| Average total assets | $1,080,189,600 | 651 |
| Average earning assets | $1,024,761,800 | 628 |
| Average equity | $92,348,800 | 818 |
| Average total loans | $885,853,200 | 535 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7051% | 4,404 |
| Cost of funding earning assets | 0.4330% | 2,868 |
| Net interest margin | 3.2721% | 4,453 |
| Noninterest income to average assets | 0.7473% | 2,037 |
| Noninterest expense to average assets | 3.3389% | 1,599 |
| Loan and lease loss provision to assets | 0.0746% | 2,683 |
| Net operating income to assets | 0.2913% | 5,477 |
| Return on assets (ROA) | 0.3732% | 5,332 |
| Pretax return on assets | 0.5599% | 5,073 |
| Return on Equity (ROE) | 4.3395% | 4,895 |
| Retained earnings to average equity (ytd only) | 4.3395% | 3,384 |
| Net charge-offs to loans | 0.2000% | 1,289 |
| Credit loss provision to net charge-offs | 45.5581% | 3,088 |
| Earnings coverage of net charge-offs (x) | 3.1268% | 3,551 |
| Efficiency ratio | 86.6686% | 959 |
| Assets per employee ($millions) | 4.6726% | 2,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2851% | 3,177 |
| Loan loss allowance to noncurrent loans | 95.0747% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 1.1376% | 2,098 |
| Noncurrent loans to loans | 1.3516% | 1,896 |
| Net loans and leases to total assets | 80.6183% | 735 |
| Net loans and leases to deposits | 105.0290% | 406 |
| Net loans and leases to core deposits | 113.6594% | 686 |
| Total domestic deposits to total assets | 76.7581% | 5,384 |
| Equity capital to assets | 8.4290% | 5,749 |
| Core capital (leverage) ratio | 9.7184% | 4,009 |
| Tier 1 risk-based capital ratio | 11.9869% | 5,094 |
| Total risk-based capital ratio | 13.3136% | 4,956 |
| Memoranda: |
| Average total assets | $1,071,758,750 | 659 |
| Average earning assets | $1,016,663,750 | 638 |
| Average equity | $92,173,500 | 829 |
| Average total loans | $877,854,750 | 540 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7253% | 4,336 |
| Cost of funding earning assets | 0.4410% | 2,828 |
| Net interest margin | 3.2843% | 4,357 |
| Noninterest income to average assets | 0.7362% | 2,056 |
| Noninterest expense to average assets | 3.3556% | 1,564 |
| Loan and lease loss provision to assets | 0.0564% | 2,971 |
| Net operating income to assets | 0.2932% | 5,455 |
| Return on assets (ROA) | 0.4171% | 5,190 |
| Pretax return on assets | 0.6252% | 4,909 |
| Return on Equity (ROE) | 4.8171% | 4,695 |
| Retained earnings to average equity (ytd only) | 4.8171% | 2,978 |
| Net charge-offs to loans | 0.0399% | 2,882 |
| Credit loss provision to net charge-offs | 172.4138% | 1,389 |
| Earnings coverage of net charge-offs (x) | 15.1724% | 1,991 |
| Efficiency ratio | 87.0672% | 971 |
| Assets per employee ($millions) | 4.4450% | 3,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4117% | 2,702 |
| Loan loss allowance to noncurrent loans | 103.0669% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 1.1755% | 2,158 |
| Noncurrent loans to loans | 1.3697% | 1,975 |
| Net loans and leases to total assets | 81.9812% | 556 |
| Net loans and leases to deposits | 102.1018% | 545 |
| Net loans and leases to core deposits | 109.5577% | 858 |
| Total domestic deposits to total assets | 80.2936% | 4,798 |
| Equity capital to assets | 8.8156% | 5,419 |
| Core capital (leverage) ratio | 9.7463% | 3,945 |
| Tier 1 risk-based capital ratio | 12.4676% | 4,831 |
| Total risk-based capital ratio | 13.8268% | 4,675 |
| Memoranda: |
| Average total assets | $1,062,994,000 | 670 |
| Average earning assets | $1,008,553,000 | 644 |
| Average equity | $92,046,330 | 833 |
| Average total loans | $871,554,330 | 543 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7128% | 4,320 |
| Cost of funding earning assets | 0.4389% | 2,887 |
| Net interest margin | 3.2739% | 4,329 |
| Noninterest income to average assets | 0.6889% | 2,210 |
| Noninterest expense to average assets | 3.4056% | 1,480 |
| Loan and lease loss provision to assets | 0.1124% | 1,837 |
| Net operating income to assets | 0.1888% | 5,702 |
| Return on assets (ROA) | 0.1888% | 5,788 |
| Pretax return on assets | 0.2783% | 5,692 |
| Return on Equity (ROE) | 2.2000% | 5,638 |
| Retained earnings to average equity (ytd only) | 2.2000% | 4,583 |
| Net charge-offs to loans | 0.0506% | 2,276 |
| Credit loss provision to net charge-offs | 272.7273% | 872 |
| Earnings coverage of net charge-offs (x) | 9.4818% | 2,009 |
| Efficiency ratio | 89.6487% | 873 |
| Assets per employee ($millions) | 4.5196% | 3,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4303% | 2,784 |
| Loan loss allowance to noncurrent loans | 104.3657% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 1.1394% | 2,353 |
| Noncurrent loans to loans | 1.3705% | 2,100 |
| Net loans and leases to total assets | 79.3072% | 765 |
| Net loans and leases to deposits | 98.1545% | 669 |
| Net loans and leases to core deposits | 106.9629% | 877 |
| Total domestic deposits to total assets | 80.7983% | 4,865 |
| Equity capital to assets | 8.5008% | 5,742 |
| Core capital (leverage) ratio | 9.4941% | 4,286 |
| Tier 1 risk-based capital ratio | 12.1531% | 5,149 |
| Total risk-based capital ratio | 13.5782% | 4,939 |
| Memoranda: |
| Average total assets | $1,067,760,000 | 663 |
| Average earning assets | $1,013,476,500 | 635 |
| Average equity | $91,635,000 | 840 |
| Average total loans | $869,327,500 | 541 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7926% | 4,519 |
| Cost of funding earning assets | 0.4203% | 3,473 |
| Net interest margin | 3.3723% | 4,316 |
| Noninterest income to average assets | 0.7428% | 2,113 |
| Noninterest expense to average assets | 3.3275% | 1,858 |
| Loan and lease loss provision to assets | 0.1474% | 1,790 |
| Net operating income to assets | 0.3355% | 5,427 |
| Return on assets (ROA) | 0.4213% | 5,221 |
| Pretax return on assets | 0.5997% | 4,942 |
| Return on Equity (ROE) | 4.3921% | 4,939 |
| Retained earnings to average equity (ytd only) | 1.3193% | 5,184 |
| Net charge-offs to loans | 0.0536% | 3,762 |
| Credit loss provision to net charge-offs | 334.8214% | 783 |
| Earnings coverage of net charge-offs (x) | 14.1897% | 2,189 |
| Efficiency ratio | 84.1243% | 1,397 |
| Assets per employee ($millions) | 4.4528% | 3,115 |
| Cash dividends to net income (ytd only)* | 69.9627% | 1,294 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4077% | 2,914 |
| Loan loss allowance to noncurrent loans | 73.8968% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 1.6086% | 1,677 |
| Noncurrent loans to loans | 1.9050% | 1,485 |
| Net loans and leases to total assets | 81.2367% | 603 |
| Net loans and leases to deposits | 103.8193% | 441 |
| Net loans and leases to core deposits | 110.5937% | 750 |
| Total domestic deposits to total assets | 78.2481% | 5,388 |
| Equity capital to assets | 8.6651% | 5,601 |
| Core capital (leverage) ratio | 9.5566% | 4,164 |
| Tier 1 risk-based capital ratio | 12.5628% | 4,998 |
| Total risk-based capital ratio | 13.9859% | 4,806 |
| Memoranda: |
| Average total assets | $1,017,834,400 | 664 |
| Average earning assets | $968,619,000 | 631 |
| Average equity | $97,629,200 | 751 |
| Average total loans | $836,156,000 | 535 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7731% | 4,648 |
| Cost of funding earning assets | 0.4171% | 3,613 |
| Net interest margin | 3.3559% | 4,407 |
| Noninterest income to average assets | 0.7347% | 2,159 |
| Noninterest expense to average assets | 3.2687% | 1,971 |
| Loan and lease loss provision to assets | 0.1487% | 1,683 |
| Net operating income to assets | 0.3422% | 5,454 |
| Return on assets (ROA) | 0.4330% | 5,211 |
| Pretax return on assets | 0.6493% | 4,876 |
| Return on Equity (ROE) | 4.4029% | 5,005 |
| Retained earnings to average equity (ytd only) | 0.3697% | 5,699 |
| Net charge-offs to loans | 0.0564% | 3,413 |
| Credit loss provision to net charge-offs | 321.4286% | 869 |
| Earnings coverage of net charge-offs (x) | 14.3170% | 2,154 |
| Efficiency ratio | 83.0665% | 1,484 |
| Assets per employee ($millions) | 4.3806% | 3,161 |
| Cash dividends to net income (ytd only)* | 91.6030% | 492 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3933% | 3,210 |
| Loan loss allowance to noncurrent loans | 68.0933% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 1.7187% | 1,747 |
| Noncurrent loans to loans | 2.0461% | 1,533 |
| Net loans and leases to total assets | 80.8756% | 625 |
| Net loans and leases to deposits | 105.3705% | 353 |
| Net loans and leases to core deposits | 112.1186% | 657 |
| Total domestic deposits to total assets | 76.7536% | 5,716 |
| Equity capital to assets | 9.4599% | 4,844 |
| Core capital (leverage) ratio | 9.6344% | 4,179 |
| Tier 1 risk-based capital ratio | 12.5264% | 5,155 |
| Total risk-based capital ratio | 13.9540% | 4,950 |
| Memoranda: |
| Average total assets | $1,008,461,750 | 666 |
| Average earning assets | $960,542,000 | 631 |
| Average equity | $99,175,250 | 742 |
| Average total loans | $827,807,000 | 533 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7754% | 4,607 |
| Cost of funding earning assets | 0.4206% | 3,650 |
| Net interest margin | 3.3548% | 4,378 |
| Noninterest income to average assets | 0.7081% | 2,243 |
| Noninterest expense to average assets | 3.2958% | 1,935 |
| Loan and lease loss provision to assets | 0.1507% | 1,634 |
| Net operating income to assets | 0.3054% | 5,550 |
| Return on assets (ROA) | 0.3087% | 5,609 |
| Pretax return on assets | 0.4612% | 5,388 |
| Return on Equity (ROE) | 3.0982% | 5,493 |
| Retained earnings to average equity (ytd only) | -2.9490% | 6,094 |
| Net charge-offs to loans | 0.0795% | 2,897 |
| Credit loss provision to net charge-offs | 230.7692% | 1,047 |
| Earnings coverage of net charge-offs (x) | 9.2954% | 2,376 |
| Efficiency ratio | 84.3576% | 1,459 |
| Assets per employee ($millions) | 4.3612% | 3,158 |
| Cash dividends to net income (ytd only)* | 195.1854% | 128 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3832% | 3,438 |
| Loan loss allowance to noncurrent loans | 71.7933% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 1.6281% | 2,009 |
| Noncurrent loans to loans | 1.9266% | 1,768 |
| Net loans and leases to total assets | 81.1411% | 558 |
| Net loans and leases to deposits | 104.2650% | 353 |
| Net loans and leases to core deposits | 107.4273% | 803 |
| Total domestic deposits to total assets | 77.8219% | 5,668 |
| Equity capital to assets | 9.6224% | 4,595 |
| Core capital (leverage) ratio | 9.7399% | 3,981 |
| Tier 1 risk-based capital ratio | 12.6674% | 5,108 |
| Total risk-based capital ratio | 14.1721% | 4,902 |
| Memoranda: |
| Average total assets | $995,629,670 | 672 |
| Average earning assets | $948,087,000 | 641 |
| Average equity | $99,220,000 | 737 |
| Average total loans | $817,510,000 | 533 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8015% | 4,485 |
| Cost of funding earning assets | 0.4250% | 3,698 |
| Net interest margin | 3.3765% | 4,233 |
| Noninterest income to average assets | 0.6436% | 2,496 |
| Noninterest expense to average assets | 3.3454% | 1,842 |
| Loan and lease loss provision to assets | 0.1526% | 1,587 |
| Net operating income to assets | 0.2403% | 5,692 |
| Return on assets (ROA) | 0.2433% | 5,731 |
| Pretax return on assets | 0.3629% | 5,565 |
| Return on Equity (ROE) | 2.3985% | 5,673 |
| Retained earnings to average equity (ytd only) | 2.3985% | 4,637 |
| Net charge-offs to loans | 0.0590% | 2,571 |
| Credit loss provision to net charge-offs | 315.1261% | 771 |
| Earnings coverage of net charge-offs (x) | 10.5546% | 1,852 |
| Efficiency ratio | 86.6336% | 1,377 |
| Assets per employee ($millions) | 4.3807% | 3,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3986% | 3,605 |
| Loan loss allowance to noncurrent loans | 69.5491% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 1.6854% | 2,093 |
| Noncurrent loans to loans | 2.0110% | 1,854 |
| Net loans and leases to total assets | 80.4303% | 500 |
| Net loans and leases to deposits | 100.1230% | 430 |
| Net loans and leases to core deposits | 103.8958% | 863 |
| Total domestic deposits to total assets | 80.3315% | 5,417 |
| Equity capital to assets | 9.9780% | 3,868 |
| Core capital (leverage) ratio | 10.1553% | 3,344 |
| Tier 1 risk-based capital ratio | 13.2759% | 4,838 |
| Total risk-based capital ratio | 14.7519% | 4,618 |
| Memoranda: |
| Average total assets | $983,188,000 | 685 |
| Average earning assets | $935,525,000 | 656 |
| Average equity | $99,731,000 | 730 |
| Average total loans | $806,430,500 | 540 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9459% | 4,300 |
| Cost of funding earning assets | 0.4684% | 3,933 |
| Net interest margin | 3.4775% | 3,994 |
| Noninterest income to average assets | 0.7827% | 2,155 |
| Noninterest expense to average assets | 3.7291% | 1,242 |
| Loan and lease loss provision to assets | 0.1553% | 2,331 |
| Net operating income to assets | 0.1377% | 5,965 |
| Return on assets (ROA) | 0.1984% | 5,893 |
| Pretax return on assets | 0.2771% | 5,788 |
| Return on Equity (ROE) | 2.1945% | 5,770 |
| Retained earnings to average equity (ytd only) | 2.1945% | 4,689 |
| Net charge-offs to loans | 0.1059% | 3,771 |
| Credit loss provision to net charge-offs | 182.0388% | 1,265 |
| Earnings coverage of net charge-offs (x) | 4.0801% | 3,680 |
| Efficiency ratio | 91.3367% | 921 |
| Assets per employee ($millions) | 4.2061% | 3,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4082% | 3,612 |
| Loan loss allowance to noncurrent loans | 67.6154% | 4,560 |
| Noncurrent assets plus other real estate owned to assets | 1.7663% | 2,098 |
| Noncurrent loans to loans | 2.0827% | 1,904 |
| Net loans and leases to total assets | 81.3299% | 465 |
| Net loans and leases to deposits | 103.9510% | 323 |
| Net loans and leases to core deposits | 106.9739% | 744 |
| Total domestic deposits to total assets | 78.2387% | 5,791 |
| Equity capital to assets | 10.3161% | 3,380 |
| Core capital (leverage) ratio | 10.3150% | 3,129 |
| Tier 1 risk-based capital ratio | 13.7449% | 4,485 |
| Total risk-based capital ratio | 15.2142% | 4,258 |
| Memoranda: |
| Average total assets | $965,682,600 | 680 |
| Average earning assets | $914,879,000 | 651 |
| Average equity | $87,309,000 | 806 |
| Average total loans | $778,108,600 | 540 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9721% | 4,233 |
| Cost of funding earning assets | 0.4822% | 3,943 |
| Net interest margin | 3.4899% | 3,921 |
| Noninterest income to average assets | 0.8188% | 2,062 |
| Noninterest expense to average assets | 3.6069% | 1,384 |
| Loan and lease loss provision to assets | 0.1552% | 2,322 |
| Net operating income to assets | 0.2472% | 5,785 |
| Return on assets (ROA) | 0.3111% | 5,693 |
| Pretax return on assets | 0.4528% | 5,489 |
| Return on Equity (ROE) | 3.5667% | 5,411 |
| Retained earnings to average equity (ytd only) | 3.5667% | 4,162 |
| Net charge-offs to loans | 0.1249% | 3,284 |
| Credit loss provision to net charge-offs | 155.1724% | 1,523 |
| Earnings coverage of net charge-offs (x) | 5.1517% | 3,269 |
| Efficiency ratio | 87.3711% | 1,226 |
| Assets per employee ($millions) | 4.2977% | 3,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3750% | 4,004 |
| Loan loss allowance to noncurrent loans | 60.1931% | 4,811 |
| Noncurrent assets plus other real estate owned to assets | 1.9074% | 2,126 |
| Noncurrent loans to loans | 2.2844% | 1,918 |
| Net loans and leases to total assets | 80.2342% | 526 |
| Net loans and leases to deposits | 99.6966% | 477 |
| Net loans and leases to core deposits | 103.7228% | 890 |
| Total domestic deposits to total assets | 80.4784% | 5,368 |
| Equity capital to assets | 8.6970% | 5,526 |
| Core capital (leverage) ratio | 10.3764% | 3,138 |
| Tier 1 risk-based capital ratio | 13.5897% | 4,697 |
| Total risk-based capital ratio | 15.0151% | 4,548 |
| Memoranda: |
| Average total assets | $966,302,250 | 683 |
| Average earning assets | $914,697,000 | 651 |
| Average equity | $84,295,000 | 849 |
| Average total loans | $773,995,250 | 540 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0210% | 4,028 |
| Cost of funding earning assets | 0.4976% | 3,924 |
| Net interest margin | 3.5234% | 3,687 |
| Noninterest income to average assets | 0.8976% | 1,817 |
| Noninterest expense to average assets | 3.5523% | 1,498 |
| Loan and lease loss provision to assets | 0.1557% | 2,369 |
| Net operating income to assets | 0.3599% | 5,361 |
| Return on assets (ROA) | 0.4159% | 5,316 |
| Pretax return on assets | 0.6055% | 4,994 |
| Return on Equity (ROE) | 4.7627% | 4,858 |
| Retained earnings to average equity (ytd only) | 4.7627% | 3,213 |
| Net charge-offs to loans | 0.1858% | 2,639 |
| Credit loss provision to net charge-offs | 105.1893% | 2,108 |
| Earnings coverage of net charge-offs (x) | 4.5933% | 3,090 |
| Efficiency ratio | 83.7953% | 1,656 |
| Assets per employee ($millions) | 4.2072% | 3,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3535% | 4,252 |
| Loan loss allowance to noncurrent loans | 57.9288% | 4,891 |
| Noncurrent assets plus other real estate owned to assets | 1.9245% | 2,254 |
| Noncurrent loans to loans | 2.3364% | 2,017 |
| Net loans and leases to total assets | 79.1183% | 623 |
| Net loans and leases to deposits | 97.4979% | 573 |
| Net loans and leases to core deposits | 99.9328% | 1,082 |
| Total domestic deposits to total assets | 81.1487% | 5,301 |
| Equity capital to assets | 8.7133% | 5,531 |
| Core capital (leverage) ratio | 10.3213% | 3,077 |
| Tier 1 risk-based capital ratio | 13.8246% | 4,543 |
| Total risk-based capital ratio | 15.2480% | 4,389 |
| Memoranda: |
| Average total assets | $963,211,330 | 687 |
| Average earning assets | $911,616,670 | 654 |
| Average equity | $84,111,330 | 851 |
| Average total loans | $767,441,000 | 543 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0502% | 3,920 |
| Cost of funding earning assets | 0.5062% | 4,025 |
| Net interest margin | 3.5441% | 3,502 |
| Noninterest income to average assets | 0.8777% | 1,840 |
| Noninterest expense to average assets | 3.5500% | 1,524 |
| Loan and lease loss provision to assets | 0.1564% | 2,303 |
| Net operating income to assets | 0.3601% | 5,307 |
| Return on assets (ROA) | 0.4272% | 5,172 |
| Pretax return on assets | 0.6216% | 4,870 |
| Return on Equity (ROE) | 4.8863% | 4,641 |
| Retained earnings to average equity (ytd only) | 4.8863% | 3,305 |
| Net charge-offs to loans | 0.2107% | 2,153 |
| Credit loss provision to net charge-offs | 93.5162% | 1,962 |
| Earnings coverage of net charge-offs (x) | 4.0698% | 2,621 |
| Efficiency ratio | 83.7606% | 1,802 |
| Assets per employee ($millions) | 4.2611% | 3,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3768% | 4,346 |
| Loan loss allowance to noncurrent loans | 54.7882% | 4,942 |
| Noncurrent assets plus other real estate owned to assets | 2.0133% | 2,330 |
| Noncurrent loans to loans | 2.5129% | 2,057 |
| Net loans and leases to total assets | 76.9871% | 723 |
| Net loans and leases to deposits | 95.1851% | 589 |
| Net loans and leases to core deposits | 98.7969% | 1,024 |
| Total domestic deposits to total assets | 80.8815% | 5,530 |
| Equity capital to assets | 8.6745% | 5,835 |
| Core capital (leverage) ratio | 10.3772% | 2,934 |
| Tier 1 risk-based capital ratio | 13.8166% | 4,641 |
| Total risk-based capital ratio | 15.2815% | 4,445 |
| Memoranda: |
| Average total assets | $958,882,000 | 694 |
| Average earning assets | $907,210,500 | 664 |
| Average equity | $83,826,000 | 863 |
| Average total loans | $761,423,000 | 546 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4278% | 3,707 |
| Cost of funding earning assets | 0.6692% | 3,746 |
| Net interest margin | 3.7586% | 3,398 |
| Noninterest income to average assets | 0.9179% | 1,802 |
| Noninterest expense to average assets | 3.7445% | 1,334 |
| Loan and lease loss provision to assets | 0.2866% | 2,370 |
| Net operating income to assets | 0.3194% | 5,398 |
| Return on assets (ROA) | 0.3185% | 5,613 |
| Pretax return on assets | 0.4512% | 5,422 |
| Return on Equity (ROE) | 3.5884% | 5,309 |
| Retained earnings to average equity (ytd only) | 3.5884% | 3,684 |
| Net charge-offs to loans | 0.1771% | 3,956 |
| Credit loss provision to net charge-offs | 201.1923% | 1,287 |
| Earnings coverage of net charge-offs (x) | 5.1878% | 3,116 |
| Efficiency ratio | 83.3539% | 1,705 |
| Assets per employee ($millions) | 4.1866% | 3,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3812% | 4,258 |
| Loan loss allowance to noncurrent loans | 44.0095% | 5,433 |
| Noncurrent assets plus other real estate owned to assets | 2.5910% | 1,873 |
| Noncurrent loans to loans | 3.1385% | 1,643 |
| Net loans and leases to total assets | 79.6851% | 503 |
| Net loans and leases to deposits | 98.8580% | 464 |
| Net loans and leases to core deposits | 101.7729% | 901 |
| Total domestic deposits to total assets | 80.6056% | 5,508 |
| Equity capital to assets | 8.8120% | 5,735 |
| Core capital (leverage) ratio | 10.4278% | 2,850 |
| Tier 1 risk-based capital ratio | 13.8283% | 4,515 |
| Total risk-based capital ratio | 15.2266% | 4,361 |
| Memoranda: |
| Average total assets | $941,921,000 | 700 |
| Average earning assets | $893,585,200 | 662 |
| Average equity | $83,603,800 | 837 |
| Average total loans | $757,623,600 | 543 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4174% | 3,980 |
| Cost of funding earning assets | 0.7049% | 3,718 |
| Net interest margin | 3.7125% | 3,738 |
| Noninterest income to average assets | 0.8827% | 1,898 |
| Noninterest expense to average assets | 3.5402% | 1,669 |
| Loan and lease loss provision to assets | 0.2477% | 2,583 |
| Net operating income to assets | 0.4236% | 5,144 |
| Return on assets (ROA) | 0.4221% | 5,392 |
| Pretax return on assets | 0.6176% | 5,115 |
| Return on Equity (ROE) | 4.7472% | 4,946 |
| Retained earnings to average equity (ytd only) | 4.7472% | 3,561 |
| Net charge-offs to loans | 0.1443% | 3,958 |
| Credit loss provision to net charge-offs | 213.6752% | 1,301 |
| Earnings coverage of net charge-offs (x) | 7.4823% | 2,597 |
| Efficiency ratio | 80.1497% | 2,074 |
| Assets per employee ($millions) | 4.2518% | 3,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3262% | 4,692 |
| Loan loss allowance to noncurrent loans | 45.9143% | 5,344 |
| Noncurrent assets plus other real estate owned to assets | 2.3729% | 2,240 |
| Noncurrent loans to loans | 2.8883% | 1,936 |
| Net loans and leases to total assets | 79.1488% | 583 |
| Net loans and leases to deposits | 98.2797% | 528 |
| Net loans and leases to core deposits | 102.1519% | 974 |
| Total domestic deposits to total assets | 80.5342% | 5,502 |
| Equity capital to assets | 9.0469% | 5,780 |
| Core capital (leverage) ratio | 10.3820% | 3,061 |
| Tier 1 risk-based capital ratio | 13.7875% | 4,695 |
| Total risk-based capital ratio | 15.2011% | 4,514 |
| Memoranda: |
| Average total assets | $941,907,500 | 705 |
| Average earning assets | $894,320,250 | 668 |
| Average equity | $83,753,000 | 838 |
| Average total loans | $756,747,750 | 540 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4475% | 3,987 |
| Cost of funding earning assets | 0.7498% | 3,607 |
| Net interest margin | 3.6977% | 3,832 |
| Noninterest income to average assets | 0.8382% | 2,014 |
| Noninterest expense to average assets | 3.4749% | 1,844 |
| Loan and lease loss provision to assets | 0.2234% | 2,847 |
| Net operating income to assets | 0.4432% | 5,064 |
| Return on assets (ROA) | 0.4484% | 5,274 |
| Pretax return on assets | 0.6593% | 4,946 |
| Return on Equity (ROE) | 5.0724% | 4,778 |
| Retained earnings to average equity (ytd only) | 5.0724% | 3,243 |
| Net charge-offs to loans | 0.0953% | 4,207 |
| Credit loss provision to net charge-offs | 291.6667% | 1,003 |
| Earnings coverage of net charge-offs (x) | 11.4222% | 1,963 |
| Efficiency ratio | 79.7026% | 2,233 |
| Assets per employee ($millions) | 4.1107% | 3,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2938% | 4,915 |
| Loan loss allowance to noncurrent loans | 42.2423% | 5,544 |
| Noncurrent assets plus other real estate owned to assets | 2.5010% | 2,235 |
| Noncurrent loans to loans | 3.0628% | 1,919 |
| Net loans and leases to total assets | 78.7567% | 645 |
| Net loans and leases to deposits | 96.2586% | 612 |
| Net loans and leases to core deposits | 98.4180% | 1,230 |
| Total domestic deposits to total assets | 81.8179% | 5,197 |
| Equity capital to assets | 8.8407% | 5,865 |
| Core capital (leverage) ratio | 10.2135% | 3,124 |
| Tier 1 risk-based capital ratio | 13.7318% | 4,635 |
| Total risk-based capital ratio | 15.0950% | 4,537 |
| Memoranda: |
| Average total assets | $939,823,000 | 705 |
| Average earning assets | $892,543,670 | 668 |
| Average equity | $83,077,670 | 835 |
| Average total loans | $755,482,330 | 537 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4758% | 4,016 |
| Cost of funding earning assets | 0.7827% | 3,605 |
| Net interest margin | 3.6931% | 3,863 |
| Noninterest income to average assets | 0.7727% | 2,286 |
| Noninterest expense to average assets | 3.4143% | 1,974 |
| Loan and lease loss provision to assets | 0.2358% | 2,582 |
| Net operating income to assets | 0.4269% | 5,136 |
| Return on assets (ROA) | 0.4283% | 5,319 |
| Pretax return on assets | 0.6329% | 5,000 |
| Return on Equity (ROE) | 4.8460% | 4,857 |
| Retained earnings to average equity (ytd only) | 4.8460% | 3,644 |
| Net charge-offs to loans | 0.1546% | 3,165 |
| Credit loss provision to net charge-offs | 189.0034% | 1,393 |
| Earnings coverage of net charge-offs (x) | 6.9450% | 2,137 |
| Efficiency ratio | 79.5573% | 2,258 |
| Assets per employee ($millions) | 4.2802% | 3,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2455% | 5,278 |
| Loan loss allowance to noncurrent loans | 39.5297% | 5,648 |
| Noncurrent assets plus other real estate owned to assets | 2.5638% | 2,306 |
| Noncurrent loans to loans | 3.1508% | 2,036 |
| Net loans and leases to total assets | 78.5545% | 539 |
| Net loans and leases to deposits | 96.6764% | 498 |
| Net loans and leases to core deposits | 100.5526% | 956 |
| Total domestic deposits to total assets | 81.2551% | 5,533 |
| Equity capital to assets | 8.7800% | 5,772 |
| Core capital (leverage) ratio | 10.3832% | 2,892 |
| Tier 1 risk-based capital ratio | 13.8360% | 4,582 |
| Total risk-based capital ratio | 15.2154% | 4,460 |
| Memoranda: |
| Average total assets | $932,889,000 | 711 |
| Average earning assets | $886,181,500 | 678 |
| Average equity | $82,460,000 | 838 |
| Average total loans | $752,753,000 | 538 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6652% | 4,397 |
| Cost of funding earning assets | 0.8974% | 4,134 |
| Net interest margin | 3.7678% | 3,992 |
| Noninterest income to average assets | 0.7271% | 2,464 |
| Noninterest expense to average assets | 3.4166% | 2,199 |
| Loan and lease loss provision to assets | 0.3210% | 3,112 |
| Net operating income to assets | 0.3892% | 4,916 |
| Return on assets (ROA) | 0.3892% | 5,081 |
| Pretax return on assets | 0.5764% | 4,759 |
| Return on Equity (ROE) | 4.1357% | 4,787 |
| Retained earnings to average equity (ytd only) | 4.1357% | 3,238 |
| Net charge-offs to loans | 0.1818% | 4,698 |
| Credit loss provision to net charge-offs | 220.1694% | 1,104 |
| Earnings coverage of net charge-offs (x) | 6.1547% | 2,579 |
| Efficiency ratio | 78.9691% | 2,455 |
| Assets per employee ($millions) | 4.4230% | 3,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2212% | 5,287 |
| Loan loss allowance to noncurrent loans | 38.5717% | 5,692 |
| Noncurrent assets plus other real estate owned to assets | 2.6520% | 2,295 |
| Noncurrent loans to loans | 3.1661% | 2,048 |
| Net loans and leases to total assets | 80.8792% | 415 |
| Net loans and leases to deposits | 99.8510% | 461 |
| Net loans and leases to core deposits | 102.1884% | 1,012 |
| Total domestic deposits to total assets | 80.9999% | 5,445 |
| Equity capital to assets | 8.9007% | 5,675 |
| Core capital (leverage) ratio | 10.2261% | 3,058 |
| Tier 1 risk-based capital ratio | 13.5783% | 4,636 |
| Total risk-based capital ratio | 14.8725% | 4,575 |
| Memoranda: |
| Average total assets | $890,908,000 | 737 |
| Average earning assets | $848,127,400 | 692 |
| Average equity | $83,832,000 | 800 |
| Average total loans | $714,608,000 | 579 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6780% | 4,556 |
| Cost of funding earning assets | 0.9231% | 4,251 |
| Net interest margin | 3.7549% | 4,088 |
| Noninterest income to average assets | 0.7008% | 2,603 |
| Noninterest expense to average assets | 3.4234% | 2,130 |
| Loan and lease loss provision to assets | 0.3112% | 3,037 |
| Net operating income to assets | 0.3609% | 5,158 |
| Return on assets (ROA) | 0.3609% | 5,346 |
| Pretax return on assets | 0.5428% | 5,000 |
| Return on Equity (ROE) | 3.7827% | 5,086 |
| Retained earnings to average equity (ytd only) | 3.7827% | 4,049 |
| Net charge-offs to loans | 0.1385% | 4,676 |
| Credit loss provision to net charge-offs | 281.7190% | 1,018 |
| Earnings coverage of net charge-offs (x) | 7.7312% | 2,308 |
| Efficiency ratio | 79.7950% | 2,282 |
| Assets per employee ($millions) | 4.4987% | 2,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2233% | 5,377 |
| Loan loss allowance to noncurrent loans | 41.4527% | 5,542 |
| Noncurrent assets plus other real estate owned to assets | 2.4165% | 2,666 |
| Noncurrent loans to loans | 2.9510% | 2,360 |
| Net loans and leases to total assets | 78.5374% | 654 |
| Net loans and leases to deposits | 97.5038% | 608 |
| Net loans and leases to core deposits | 101.2057% | 1,144 |
| Total domestic deposits to total assets | 80.5480% | 5,585 |
| Equity capital to assets | 9.2746% | 5,415 |
| Core capital (leverage) ratio | 10.2093% | 3,181 |
| Tier 1 risk-based capital ratio | 13.8066% | 4,495 |
| Total risk-based capital ratio | 15.0575% | 4,458 |
| Memoranda: |
| Average total assets | $884,742,500 | 747 |
| Average earning assets | $842,756,500 | 707 |
| Average equity | $84,417,000 | 800 |
| Average total loans | $705,844,750 | 590 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7218% | 4,439 |
| Cost of funding earning assets | 0.9537% | 4,284 |
| Net interest margin | 3.7681% | 3,949 |
| Noninterest income to average assets | 0.6927% | 2,598 |
| Noninterest expense to average assets | 3.4655% | 2,078 |
| Loan and lease loss provision to assets | 0.2781% | 3,155 |
| Net operating income to assets | 0.3569% | 5,147 |
| Return on assets (ROA) | 0.3569% | 5,284 |
| Pretax return on assets | 0.5368% | 4,946 |
| Return on Equity (ROE) | 3.7038% | 5,060 |
| Retained earnings to average equity (ytd only) | 3.7038% | 3,858 |
| Net charge-offs to loans | 0.0404% | 5,283 |
| Credit loss provision to net charge-offs | 861.7021% | 375 |
| Earnings coverage of net charge-offs (x) | 25.2482% | 1,043 |
| Efficiency ratio | 80.7112% | 2,282 |
| Assets per employee ($millions) | 4.3524% | 3,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2109% | 5,499 |
| Loan loss allowance to noncurrent loans | 58.3243% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 1.6791% | 3,662 |
| Noncurrent loans to loans | 2.0761% | 3,380 |
| Net loans and leases to total assets | 79.8987% | 543 |
| Net loans and leases to deposits | 98.5705% | 561 |
| Net loans and leases to core deposits | 100.3634% | 1,313 |
| Total domestic deposits to total assets | 81.0575% | 5,508 |
| Equity capital to assets | 9.6284% | 4,626 |
| Core capital (leverage) ratio | 10.3388% | 2,893 |
| Tier 1 risk-based capital ratio | 13.7501% | 4,343 |
| Total risk-based capital ratio | 15.0730% | 4,262 |
| Memoranda: |
| Average total assets | $873,745,330 | 760 |
| Average earning assets | $831,926,000 | 725 |
| Average equity | $84,184,000 | 801 |
| Average total loans | $697,896,330 | 607 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7383% | 4,340 |
| Cost of funding earning assets | 0.9737% | 4,397 |
| Net interest margin | 3.7646% | 3,781 |
| Noninterest income to average assets | 0.6606% | 2,779 |
| Noninterest expense to average assets | 3.5012% | 1,997 |
| Loan and lease loss provision to assets | 0.1726% | 3,903 |
| Net operating income to assets | 0.3775% | 5,037 |
| Return on assets (ROA) | 0.3775% | 5,119 |
| Pretax return on assets | 0.5700% | 4,802 |
| Return on Equity (ROE) | 3.9169% | 4,947 |
| Retained earnings to average equity (ytd only) | 3.9169% | 3,820 |
| Net charge-offs to loans | -0.0360% | 6,771 |
| Credit loss provision to net charge-offs | -604.8387% | 6,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2304% | 2,190 |
| Assets per employee ($millions) | 4.2195% | 3,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1308% | 5,924 |
| Loan loss allowance to noncurrent loans | 45.8172% | 5,259 |
| Noncurrent assets plus other real estate owned to assets | 1.9520% | 3,372 |
| Noncurrent loans to loans | 2.4682% | 3,026 |
| Net loans and leases to total assets | 78.1940% | 705 |
| Net loans and leases to deposits | 96.5806% | 655 |
| Net loans and leases to core deposits | 100.6021% | 1,289 |
| Total domestic deposits to total assets | 80.9624% | 5,670 |
| Equity capital to assets | 9.5026% | 4,431 |
| Core capital (leverage) ratio | 10.4910% | 2,622 |
| Tier 1 risk-based capital ratio | 13.9358% | 4,117 |
| Total risk-based capital ratio | 15.2196% | 4,068 |
| Memoranda: |
| Average total assets | $868,845,000 | 769 |
| Average earning assets | $826,959,500 | 732 |
| Average equity | $83,740,500 | 792 |
| Average total loans | $689,547,000 | 622 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9076% | 4,997 |
| Cost of funding earning assets | 1.1250% | 4,997 |
| Net interest margin | 3.7826% | 4,016 |
| Noninterest income to average assets | 0.7084% | 2,795 |
| Noninterest expense to average assets | 3.3628% | 2,549 |
| Loan and lease loss provision to assets | 0.3529% | 4,012 |
| Net operating income to assets | 0.3758% | 4,657 |
| Return on assets (ROA) | 0.4228% | 4,577 |
| Pretax return on assets | 0.6341% | 4,215 |
| Return on Equity (ROE) | 4.4227% | 4,331 |
| Retained earnings to average equity (ytd only) | 4.4227% | 2,758 |
| Net charge-offs to loans | 0.5074% | 3,585 |
| Credit loss provision to net charge-offs | 92.1284% | 5,037 |
| Earnings coverage of net charge-offs (x) | 2.3936% | 3,938 |
| Efficiency ratio | 78.2863% | 2,658 |
| Assets per employee ($millions) | 4.1140% | 3,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1040% | 5,940 |
| Loan loss allowance to noncurrent loans | 47.8619% | 5,118 |
| Noncurrent assets plus other real estate owned to assets | 1.8372% | 3,579 |
| Noncurrent loans to loans | 2.3065% | 3,215 |
| Net loans and leases to total assets | 78.7707% | 841 |
| Net loans and leases to deposits | 96.4397% | 833 |
| Net loans and leases to core deposits | 98.7910% | 1,722 |
| Total domestic deposits to total assets | 81.6787% | 5,301 |
| Equity capital to assets | 9.7791% | 4,021 |
| Core capital (leverage) ratio | 10.5296% | 2,527 |
| Tier 1 risk-based capital ratio | 14.1497% | 3,768 |
| Total risk-based capital ratio | 15.3732% | 3,749 |
| Memoranda: |
| Average total assets | $862,279,000 | 782 |
| Average earning assets | $814,132,800 | 744 |
| Average equity | $82,438,800 | 798 |
| Average total loans | $650,970,600 | 675 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9217% | 5,163 |
| Cost of funding earning assets | 1.1592% | 5,093 |
| Net interest margin | 3.7625% | 4,125 |
| Noninterest income to average assets | 0.7122% | 2,752 |
| Noninterest expense to average assets | 3.3339% | 2,470 |
| Loan and lease loss provision to assets | 0.1608% | 5,424 |
| Net operating income to assets | 0.5039% | 4,296 |
| Return on assets (ROA) | 0.5051% | 4,481 |
| Pretax return on assets | 0.7658% | 4,030 |
| Return on Equity (ROE) | 5.3135% | 4,136 |
| Retained earnings to average equity (ytd only) | 5.3135% | 2,760 |
| Net charge-offs to loans | 0.4610% | 3,446 |
| Credit loss provision to net charge-offs | 46.8343% | 5,930 |
| Earnings coverage of net charge-offs (x) | 2.6938% | 3,798 |
| Efficiency ratio | 77.9889% | 2,624 |
| Assets per employee ($millions) | 4.1440% | 3,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0095% | 6,353 |
| Loan loss allowance to noncurrent loans | 48.1443% | 5,083 |
| Noncurrent assets plus other real estate owned to assets | 1.5894% | 4,067 |
| Noncurrent loans to loans | 2.0968% | 3,573 |
| Net loans and leases to total assets | 75.0349% | 1,581 |
| Net loans and leases to deposits | 92.1352% | 1,428 |
| Net loans and leases to core deposits | 95.9054% | 2,271 |
| Total domestic deposits to total assets | 81.4400% | 5,224 |
| Equity capital to assets | 9.8320% | 4,370 |
| Core capital (leverage) ratio | 10.5116% | 2,674 |
| Tier 1 risk-based capital ratio | 14.4066% | 3,567 |
| Total risk-based capital ratio | 15.4660% | 3,649 |
| Memoranda: |
| Average total assets | $864,951,500 | 781 |
| Average earning assets | $815,282,000 | 747 |
| Average equity | $82,229,000 | 801 |
| Average total loans | $644,140,500 | 685 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9615% | 5,123 |
| Cost of funding earning assets | 1.2080% | 5,079 |
| Net interest margin | 3.7536% | 4,115 |
| Noninterest income to average assets | 0.6563% | 2,975 |
| Noninterest expense to average assets | 3.3759% | 2,327 |
| Loan and lease loss provision to assets | 0.1224% | 5,674 |
| Net operating income to assets | 0.4543% | 4,533 |
| Return on assets (ROA) | 0.4561% | 4,680 |
| Pretax return on assets | 0.6918% | 4,270 |
| Return on Equity (ROE) | 4.8525% | 4,357 |
| Retained earnings to average equity (ytd only) | 4.8525% | 2,981 |
| Net charge-offs to loans | 0.5787% | 2,802 |
| Credit loss provision to net charge-offs | 28.5791% | 5,755 |
| Earnings coverage of net charge-offs (x) | 1.8940% | 4,104 |
| Efficiency ratio | 80.3073% | 2,405 |
| Assets per employee ($millions) | 4.0197% | 3,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0001% | 6,403 |
| Loan loss allowance to noncurrent loans | 60.9203% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 1.2368% | 4,674 |
| Noncurrent loans to loans | 1.6417% | 4,246 |
| Net loans and leases to total assets | 74.5867% | 1,791 |
| Net loans and leases to deposits | 90.1626% | 1,823 |
| Net loans and leases to core deposits | 92.7354% | 2,885 |
| Total domestic deposits to total assets | 82.7247% | 4,685 |
| Equity capital to assets | 9.7158% | 4,385 |
| Core capital (leverage) ratio | 10.3286% | 2,792 |
| Tier 1 risk-based capital ratio | 14.0473% | 3,691 |
| Total risk-based capital ratio | 15.0660% | 3,827 |
| Memoranda: |
| Average total assets | $867,333,670 | 780 |
| Average earning assets | $815,915,000 | 747 |
| Average equity | $81,525,670 | 802 |
| Average total loans | $642,115,000 | 694 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9106% | 5,409 |
| Cost of funding earning assets | 1.2887% | 4,880 |
| Net interest margin | 3.6219% | 4,614 |
| Noninterest income to average assets | 0.5701% | 3,486 |
| Noninterest expense to average assets | 3.3306% | 2,428 |
| Loan and lease loss provision to assets | 0.1372% | 5,190 |
| Net operating income to assets | 0.3283% | 5,174 |
| Return on assets (ROA) | 0.3283% | 5,306 |
| Pretax return on assets | 0.4983% | 4,965 |
| Return on Equity (ROE) | 3.5505% | 5,091 |
| Retained earnings to average equity (ytd only) | 3.5505% | 4,021 |
| Net charge-offs to loans | 0.0430% | 4,992 |
| Credit loss provision to net charge-offs | 434.7826% | 956 |
| Earnings coverage of net charge-offs (x) | 20.1449% | 1,170 |
| Efficiency ratio | 83.6311% | 2,057 |
| Assets per employee ($millions) | 4.3262% | 3,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2462% | 5,241 |
| Loan loss allowance to noncurrent loans | 43.2982% | 5,467 |
| Noncurrent assets plus other real estate owned to assets | 2.1087% | 3,372 |
| Noncurrent loans to loans | 2.8782% | 2,800 |
| Net loans and leases to total assets | 72.3525% | 2,372 |
| Net loans and leases to deposits | 89.5224% | 1,983 |
| Net loans and leases to core deposits | 94.1414% | 2,825 |
| Total domestic deposits to total assets | 80.8205% | 5,514 |
| Equity capital to assets | 9.3197% | 4,803 |
| Core capital (leverage) ratio | 9.9498% | 3,225 |
| Tier 1 risk-based capital ratio | 13.7138% | 3,854 |
| Total risk-based capital ratio | 14.9702% | 3,803 |
| Memoranda: |
| Average total assets | $874,912,500 | 790 |
| Average earning assets | $820,350,500 | 758 |
| Average equity | $80,890,500 | 813 |
| Average total loans | $642,157,000 | 712 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5031% | 4,125 |
| Cost of funding earning assets | 1.7531% | 4,235 |
| Net interest margin | 3.7500% | 3,913 |
| Noninterest income to average assets | 0.7821% | 2,495 |
| Noninterest expense to average assets | 3.7555% | 1,784 |
| Loan and lease loss provision to assets | 0.5071% | 3,841 |
| Net operating income to assets | 0.0277% | 5,404 |
| Return on assets (ROA) | 0.1505% | 5,117 |
| Pretax return on assets | 0.1816% | 5,046 |
| Return on Equity (ROE) | 1.6431% | 5,039 |
| Retained earnings to average equity (ytd only) | 1.6431% | 3,934 |
| Net charge-offs to loans | 0.3211% | 4,631 |
| Credit loss provision to net charge-offs | 209.0122% | 1,839 |
| Earnings coverage of net charge-offs (x) | 2.2291% | 4,048 |
| Efficiency ratio | 87.0493% | 1,986 |
| Assets per employee ($millions) | 4.3363% | 3,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2564% | 5,009 |
| Loan loss allowance to noncurrent loans | 47.9839% | 5,187 |
| Noncurrent assets plus other real estate owned to assets | 1.9253% | 3,495 |
| Noncurrent loans to loans | 2.6184% | 2,941 |
| Net loans and leases to total assets | 72.6038% | 2,602 |
| Net loans and leases to deposits | 89.8217% | 2,239 |
| Net loans and leases to core deposits | 100.8562% | 3,914 |
| Total domestic deposits to total assets | 80.8309% | 5,397 |
| Equity capital to assets | 9.1715% | 4,886 |
| Core capital (leverage) ratio | 9.6351% | 3,544 |
| Tier 1 risk-based capital ratio | 13.2140% | 4,003 |
| Total risk-based capital ratio | 14.4641% | 3,949 |
| Memoranda: |
| Average total assets | $809,473,600 | 845 |
| Average earning assets | $758,588,600 | 817 |
| Average equity | $74,126,000 | 874 |
| Average total loans | $611,710,800 | 766 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6431% | 3,615 |
| Cost of funding earning assets | 1.8639% | 4,080 |
| Net interest margin | 3.7791% | 3,742 |
| Noninterest income to average assets | 0.8163% | 2,352 |
| Noninterest expense to average assets | 3.8436% | 1,519 |
| Loan and lease loss provision to assets | 0.1744% | 5,617 |
| Net operating income to assets | 0.2264% | 5,070 |
| Return on assets (ROA) | 0.2265% | 5,150 |
| Pretax return on assets | 0.3410% | 4,955 |
| Return on Equity (ROE) | 2.4747% | 5,003 |
| Retained earnings to average equity (ytd only) | 2.4747% | 3,941 |
| Net charge-offs to loans | 0.2017% | 4,793 |
| Credit loss provision to net charge-offs | 113.5816% | 4,474 |
| Earnings coverage of net charge-offs (x) | 3.3560% | 3,562 |
| Efficiency ratio | 87.8086% | 1,893 |
| Assets per employee ($millions) | 4.3497% | 3,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9441% | 6,575 |
| Loan loss allowance to noncurrent loans | 42.1231% | 5,516 |
| Noncurrent assets plus other real estate owned to assets | 1.6414% | 3,899 |
| Noncurrent loans to loans | 2.2413% | 3,331 |
| Net loans and leases to total assets | 72.5425% | 2,907 |
| Net loans and leases to deposits | 90.7915% | 2,433 |
| Net loans and leases to core deposits | 103.2239% | 4,033 |
| Total domestic deposits to total assets | 79.9001% | 5,471 |
| Equity capital to assets | 9.1125% | 5,316 |
| Core capital (leverage) ratio | 9.5952% | 3,792 |
| Tier 1 risk-based capital ratio | 12.9216% | 4,250 |
| Total risk-based capital ratio | 13.9164% | 4,370 |
| Memoranda: |
| Average total assets | $792,857,500 | 875 |
| Average earning assets | $743,219,750 | 848 |
| Average equity | $72,573,250 | 911 |
| Average total loans | $603,624,500 | 796 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3319% | 5,492 |
| Cost of funding earning assets | 1.7689% | 4,913 |
| Net interest margin | 3.5630% | 4,527 |
| Noninterest income to average assets | 0.8162% | 2,332 |
| Noninterest expense to average assets | 3.5161% | 2,291 |
| Loan and lease loss provision to assets | 0.1424% | 5,643 |
| Net operating income to assets | 0.3285% | 4,768 |
| Return on assets (ROA) | 0.3287% | 4,888 |
| Pretax return on assets | 0.4951% | 4,633 |
| Return on Equity (ROE) | 3.5847% | 4,672 |
| Retained earnings to average equity (ytd only) | 3.5847% | 3,306 |
| Net charge-offs to loans | 0.0776% | 5,425 |
| Credit loss provision to net charge-offs | 237.5546% | 1,959 |
| Earnings coverage of net charge-offs (x) | 10.6332% | 1,976 |
| Efficiency ratio | 84.6576% | 2,403 |
| Assets per employee ($millions) | 4.2940% | 3,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0333% | 5,998 |
| Loan loss allowance to noncurrent loans | 43.2112% | 5,484 |
| Noncurrent assets plus other real estate owned to assets | 1.7739% | 3,516 |
| Noncurrent loans to loans | 2.3912% | 3,019 |
| Net loans and leases to total assets | 73.4191% | 2,860 |
| Net loans and leases to deposits | 91.3765% | 2,591 |
| Net loans and leases to core deposits | 101.7387% | 4,303 |
| Total domestic deposits to total assets | 80.3478% | 5,336 |
| Equity capital to assets | 8.8687% | 5,495 |
| Core capital (leverage) ratio | 10.2745% | 3,017 |
| Tier 1 risk-based capital ratio | 13.3434% | 3,902 |
| Total risk-based capital ratio | 14.3864% | 3,964 |
| Memoranda: |
| Average total assets | $764,264,000 | 922 |
| Average earning assets | $715,807,670 | 894 |
| Average equity | $70,075,670 | 952 |
| Average total loans | $590,345,670 | 842 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4871% | 4,979 |
| Cost of funding earning assets | 1.7912% | 5,157 |
| Net interest margin | 3.6959% | 3,906 |
| Noninterest income to average assets | 0.6326% | 3,332 |
| Noninterest expense to average assets | 3.5580% | 1,958 |
| Loan and lease loss provision to assets | 0.1052% | 5,619 |
| Net operating income to assets | 0.2857% | 5,350 |
| Return on assets (ROA) | 0.2857% | 5,521 |
| Pretax return on assets | 0.4285% | 5,319 |
| Return on Equity (ROE) | 3.0616% | 5,348 |
| Retained earnings to average equity (ytd only) | 3.0616% | 4,175 |
| Net charge-offs to loans | 0.0919% | 4,256 |
| Credit loss provision to net charge-offs | 145.1852% | 2,845 |
| Earnings coverage of net charge-offs (x) | 7.3630% | 2,356 |
| Efficiency ratio | 86.9554% | 1,974 |
| Assets per employee ($millions) | 4.0994% | 3,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0052% | 6,138 |
| Loan loss allowance to noncurrent loans | 41.5915% | 5,771 |
| Noncurrent assets plus other real estate owned to assets | 1.8708% | 3,106 |
| Noncurrent loans to loans | 2.4168% | 2,726 |
| Net loans and leases to total assets | 76.6322% | 2,134 |
| Net loans and leases to deposits | 96.0330% | 1,942 |
| Net loans and leases to core deposits | 105.9281% | 3,929 |
| Total domestic deposits to total assets | 79.7978% | 5,429 |
| Equity capital to assets | 9.2350% | 5,033 |
| Core capital (leverage) ratio | 10.6413% | 2,796 |
| Tier 1 risk-based capital ratio | 13.3556% | 3,955 |
| Total risk-based capital ratio | 14.3645% | 4,019 |
| Memoranda: |
| Average total assets | $744,911,000 | 939 |
| Average earning assets | $697,203,000 | 915 |
| Average equity | $69,507,000 | 968 |
| Average total loans | $587,674,500 | 848 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1060% | 5,009 |
| Cost of funding earning assets | 2.2422% | 5,408 |
| Net interest margin | 3.8638% | 3,729 |
| Noninterest income to average assets | 0.6723% | 3,310 |
| Noninterest expense to average assets | 3.2787% | 3,039 |
| Loan and lease loss provision to assets | 0.1956% | 4,922 |
| Net operating income to assets | 0.5120% | 4,677 |
| Return on assets (ROA) | 0.5593% | 4,341 |
| Pretax return on assets | 0.8631% | 3,841 |
| Return on Equity (ROE) | 5.6346% | 4,100 |
| Retained earnings to average equity (ytd only) | 5.6346% | 1,698 |
| Net charge-offs to loans | 0.2066% | 4,139 |
| Credit loss provision to net charge-offs | 118.6579% | 4,542 |
| Earnings coverage of net charge-offs (x) | 5.9804% | 3,476 |
| Efficiency ratio | 76.8822% | 3,098 |
| Assets per employee ($millions) | 3.8295% | 3,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0374% | 5,732 |
| Loan loss allowance to noncurrent loans | 38.1748% | 6,169 |
| Noncurrent assets plus other real estate owned to assets | 2.2832% | 2,130 |
| Noncurrent loans to loans | 2.7176% | 1,996 |
| Net loans and leases to total assets | 79.5937% | 1,753 |
| Net loans and leases to deposits | 101.3393% | 1,665 |
| Net loans and leases to core deposits | 111.0764% | 3,673 |
| Total domestic deposits to total assets | 78.5418% | 5,530 |
| Equity capital to assets | 9.4304% | 4,784 |
| Core capital (leverage) ratio | 10.6692% | 2,848 |
| Tier 1 risk-based capital ratio | 14.1313% | 3,483 |
| Total risk-based capital ratio | 15.2323% | 3,475 |
| Memoranda: |
| Average total assets | $741,280,600 | 904 |
| Average earning assets | $689,174,800 | 888 |
| Average equity | $73,581,000 | 903 |
| Average total loans | $591,414,200 | 810 |
