| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2349% | 1,117 |
| Cost of funding earning assets | 0.2964% | 2,807 |
| Net interest margin | 3.9385% | 908 |
| Noninterest income to average assets | 0.6782% | 1,896 |
| Noninterest expense to average assets | 2.9846% | 1,013 |
| Loan and lease loss provision to assets | 0.0133% | 2,688 |
| Net operating income to assets | 1.0683% | 2,653 |
| Return on assets (ROA) | 1.0723% | 2,715 |
| Pretax return on assets | 1.2733% | 2,701 |
| Return on Equity (ROE) | 9.9174% | 2,771 |
| Retained earnings to average equity (ytd only) | 5.6225% | 2,954 |
| Net charge-offs to loans | 0.0510% | 1,112 |
| Credit loss provision to net charge-offs | 37.7358% | 1,672 |
| Earnings coverage of net charge-offs (x) | 36.4566% | 1,211 |
| Efficiency ratio | 68.9088% | 1,772 |
| Assets per employee ($millions) | 5.1939% | 3,460 |
| Cash dividends to net income (ytd only)* | 43.3061% | 1,459 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5736% | 4,682 |
| Loan loss allowance to noncurrent loans | 113.7239% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 0.4128% | 1,960 |
| Noncurrent loans to loans | 0.5044% | 2,163 |
| Net loans and leases to total assets | 64.1191% | 1,933 |
| Net loans and leases to deposits | 74.0663% | 1,996 |
| Net loans and leases to core deposits | 75.5471% | 2,283 |
| Total domestic deposits to total assets | 86.5699% | 2,519 |
| Equity capital to assets | 10.9264% | 2,041 |
| Core capital (leverage) ratio | 9.3808% | 3,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7227% | 1,716 |
| Memoranda: |
| Average total assets | $1,507,457,333 | 685 |
| Average earning assets | $1,373,355,667 | 691 |
| Average equity | $162,987,000 | 665 |
| Average total loans | $1,039,801,667 | 650 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3574% | 956 |
| Cost of funding earning assets | 0.3257% | 2,745 |
| Net interest margin | 4.0318% | 807 |
| Noninterest income to average assets | 0.6643% | 1,979 |
| Noninterest expense to average assets | 3.0608% | 894 |
| Loan and lease loss provision to assets | 0.0133% | 2,608 |
| Net operating income to assets | 1.1256% | 2,398 |
| Return on assets (ROA) | 1.1341% | 2,450 |
| Pretax return on assets | 1.2672% | 2,661 |
| Return on Equity (ROE) | 10.5454% | 2,518 |
| Retained earnings to average equity (ytd only) | 1.8834% | 4,031 |
| Net charge-offs to loans | 0.0090% | 1,589 |
| Credit loss provision to net charge-offs | 208.3333% | 875 |
| Earnings coverage of net charge-offs (x) | 198.9583% | 399 |
| Efficiency ratio | 69.6221% | 1,748 |
| Assets per employee ($millions) | 4.8583% | 3,792 |
| Cash dividends to net income (ytd only)* | 82.1403% | 561 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5453% | 4,741 |
| Loan loss allowance to noncurrent loans | 115.4658% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 0.4449% | 2,051 |
| Noncurrent loans to loans | 0.4723% | 2,438 |
| Net loans and leases to total assets | 70.2465% | 1,254 |
| Net loans and leases to deposits | 82.5667% | 1,294 |
| Net loans and leases to core deposits | 84.1219% | 1,669 |
| Total domestic deposits to total assets | 85.0784% | 3,063 |
| Equity capital to assets | 10.7461% | 2,041 |
| Core capital (leverage) ratio | 9.1593% | 3,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6167% | 2,039 |
| Memoranda: |
| Average total assets | $1,502,873,500 | 676 |
| Average earning assets | $1,367,046,500 | 690 |
| Average equity | $161,624,500 | 663 |
| Average total loans | $1,070,674,500 | 633 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7532% | 802 |
| Cost of funding earning assets | 0.5527% | 2,594 |
| Net interest margin | 4.2005% | 636 |
| Noninterest income to average assets | 0.7386% | 1,723 |
| Noninterest expense to average assets | 3.1537% | 1,137 |
| Loan and lease loss provision to assets | 0.0694% | 3,512 |
| Net operating income to assets | 1.0418% | 2,133 |
| Return on assets (ROA) | 1.0418% | 2,278 |
| Pretax return on assets | 1.3187% | 1,921 |
| Return on Equity (ROE) | 9.4768% | 2,203 |
| Retained earnings to average equity (ytd only) | 2.2185% | 3,741 |
| Net charge-offs to loans | 0.0449% | 2,168 |
| Credit loss provision to net charge-offs | 203.2520% | 2,145 |
| Earnings coverage of net charge-offs (x) | 40.6646% | 1,379 |
| Efficiency ratio | 68.4056% | 2,177 |
| Assets per employee ($millions) | 4.7609% | 3,646 |
| Cash dividends to net income (ytd only)* | 76.5901% | 757 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5359% | 4,767 |
| Loan loss allowance to noncurrent loans | 105.8080% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 0.4797% | 2,123 |
| Noncurrent loans to loans | 0.5065% | 2,454 |
| Net loans and leases to total assets | 71.4695% | 1,371 |
| Net loans and leases to deposits | 84.8555% | 1,377 |
| Net loans and leases to core deposits | 89.1165% | 1,596 |
| Total domestic deposits to total assets | 84.2250% | 3,044 |
| Equity capital to assets | 10.7627% | 2,469 |
| Core capital (leverage) ratio | 9.1224% | 3,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2461% | 2,147 |
| Memoranda: |
| Average total assets | $1,441,311,200 | 637 |
| Average earning assets | $1,304,987,400 | 647 |
| Average equity | $158,438,800 | 643 |
| Average total loans | $1,095,732,200 | 586 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8324% | 837 |
| Cost of funding earning assets | 0.6070% | 2,569 |
| Net interest margin | 4.2253% | 694 |
| Noninterest income to average assets | 0.7229% | 1,727 |
| Noninterest expense to average assets | 3.1920% | 1,084 |
| Loan and lease loss provision to assets | 0.0561% | 3,649 |
| Net operating income to assets | 1.0257% | 2,232 |
| Return on assets (ROA) | 1.0257% | 2,372 |
| Pretax return on assets | 1.2984% | 2,054 |
| Return on Equity (ROE) | 9.2800% | 2,291 |
| Retained earnings to average equity (ytd only) | 2.5162% | 3,732 |
| Net charge-offs to loans | 0.0092% | 2,778 |
| Credit loss provision to net charge-offs | 789.4737% | 991 |
| Earnings coverage of net charge-offs (x) | 190.7105% | 508 |
| Efficiency ratio | 69.1682% | 2,013 |
| Assets per employee ($millions) | 4.7677% | 3,515 |
| Cash dividends to net income (ytd only)* | 72.8863% | 752 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5061% | 4,809 |
| Loan loss allowance to noncurrent loans | 106.9634% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 0.4777% | 2,292 |
| Noncurrent loans to loans | 0.4731% | 2,633 |
| Net loans and leases to total assets | 74.8600% | 1,259 |
| Net loans and leases to deposits | 88.6624% | 1,411 |
| Net loans and leases to core deposits | 95.0126% | 1,541 |
| Total domestic deposits to total assets | 84.4326% | 2,661 |
| Equity capital to assets | 10.5913% | 2,711 |
| Core capital (leverage) ratio | 9.0020% | 3,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1575% | 2,129 |
| Memoranda: |
| Average total assets | $1,426,717,500 | 628 |
| Average earning assets | $1,291,098,500 | 640 |
| Average equity | $157,697,000 | 638 |
| Average total loans | $1,100,267,000 | 575 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0932% | 694 |
| Cost of funding earning assets | 0.6731% | 2,537 |
| Net interest margin | 4.4201% | 595 |
| Noninterest income to average assets | 0.6361% | 1,990 |
| Noninterest expense to average assets | 3.2805% | 1,027 |
| Loan and lease loss provision to assets | 0.0287% | 3,893 |
| Net operating income to assets | 1.0433% | 2,174 |
| Return on assets (ROA) | 1.0433% | 2,307 |
| Pretax return on assets | 1.3207% | 1,963 |
| Return on Equity (ROE) | 9.2982% | 2,253 |
| Retained earnings to average equity (ytd only) | -0.9210% | 4,469 |
| Net charge-offs to loans | 0.0282% | 2,151 |
| Credit loss provision to net charge-offs | 130.7190% | 2,230 |
| Earnings coverage of net charge-offs (x) | 61.5294% | 947 |
| Efficiency ratio | 69.8121% | 1,983 |
| Assets per employee ($millions) | 4.8142% | 3,403 |
| Cash dividends to net income (ytd only)* | 109.9052% | 393 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4606% | 4,867 |
| Loan loss allowance to noncurrent loans | 86.0010% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 0.5543% | 2,150 |
| Noncurrent loans to loans | 0.5355% | 2,561 |
| Net loans and leases to total assets | 75.7339% | 1,181 |
| Net loans and leases to deposits | 93.1751% | 1,031 |
| Net loans and leases to core deposits | 101.8487% | 1,123 |
| Total domestic deposits to total assets | 81.2812% | 3,544 |
| Equity capital to assets | 10.3818% | 2,853 |
| Core capital (leverage) ratio | 8.9349% | 3,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3045% | 2,480 |
| Memoranda: |
| Average total assets | $1,395,328,333 | 623 |
| Average earning assets | $1,260,738,000 | 640 |
| Average equity | $156,568,667 | 640 |
| Average total loans | $1,085,581,000 | 577 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1909% | 672 |
| Cost of funding earning assets | 0.7472% | 2,684 |
| Net interest margin | 4.4437% | 572 |
| Noninterest income to average assets | 0.6039% | 2,024 |
| Noninterest expense to average assets | 3.3040% | 1,219 |
| Loan and lease loss provision to assets | 0.0300% | 3,403 |
| Net operating income to assets | 1.0183% | 2,120 |
| Return on assets (ROA) | 1.0183% | 2,222 |
| Pretax return on assets | 1.2889% | 1,898 |
| Return on Equity (ROE) | 8.7053% | 2,233 |
| Retained earnings to average equity (ytd only) | -2.8232% | 4,334 |
| Net charge-offs to loans | 0.0441% | 1,587 |
| Credit loss provision to net charge-offs | 86.2069% | 1,911 |
| Earnings coverage of net charge-offs (x) | 37.9397% | 1,054 |
| Efficiency ratio | 70.3747% | 2,298 |
| Assets per employee ($millions) | 4.2814% | 3,553 |
| Cash dividends to net income (ytd only)* | 132.4308% | 536 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5029% | 4,873 |
| Loan loss allowance to noncurrent loans | 81.8423% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 0.6389% | 2,083 |
| Noncurrent loans to loans | 0.6145% | 2,450 |
| Net loans and leases to total assets | 76.7906% | 1,168 |
| Net loans and leases to deposits | 94.3049% | 1,049 |
| Net loans and leases to core deposits | 104.8126% | 1,129 |
| Total domestic deposits to total assets | 81.4280% | 3,565 |
| Equity capital to assets | 11.4674% | 2,465 |
| Core capital (leverage) ratio | 10.0645% | 3,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2331% | 2,602 |
| Memoranda: |
| Average total assets | $1,334,761,000 | 626 |
| Average earning assets | $1,207,193,500 | 634 |
| Average equity | $156,135,000 | 638 |
| Average total loans | $1,051,476,500 | 571 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3618% | 725 |
| Cost of funding earning assets | 0.8723% | 2,322 |
| Net interest margin | 4.4896% | 733 |
| Noninterest income to average assets | 0.4418% | 3,048 |
| Noninterest expense to average assets | 3.0446% | 1,899 |
| Loan and lease loss provision to assets | 0.0291% | 3,431 |
| Net operating income to assets | 1.1246% | 2,353 |
| Return on assets (ROA) | 1.1370% | 2,402 |
| Pretax return on assets | 1.4527% | 1,967 |
| Return on Equity (ROE) | 9.8394% | 2,369 |
| Retained earnings to average equity (ytd only) | 6.2472% | 1,742 |
| Net charge-offs to loans | 0.0247% | 2,907 |
| Credit loss provision to net charge-offs | 148.0769% | 1,737 |
| Earnings coverage of net charge-offs (x) | 74.7077% | 839 |
| Efficiency ratio | 66.3660% | 2,713 |
| Assets per employee ($millions) | 4.3309% | 3,462 |
| Cash dividends to net income (ytd only)* | 36.5085% | 2,775 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4975% | 4,893 |
| Loan loss allowance to noncurrent loans | 101.6207% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 0.5603% | 2,208 |
| Noncurrent loans to loans | 0.4895% | 2,717 |
| Net loans and leases to total assets | 80.0181% | 790 |
| Net loans and leases to deposits | 97.8745% | 771 |
| Net loans and leases to core deposits | 104.7733% | 1,180 |
| Total domestic deposits to total assets | 81.7559% | 3,574 |
| Equity capital to assets | 11.9341% | 2,177 |
| Core capital (leverage) ratio | 9.9613% | 3,562 |
| Tier 1 risk-based capital ratio | 12.5535% | 4,037 |
| Total risk-based capital ratio | 13.0570% | 4,347 |
| Memoranda: |
| Average total assets | $1,324,954,600 | 611 |
| Average earning assets | $1,200,779,800 | 607 |
| Average equity | $153,109,600 | 611 |
| Average total loans | $1,052,742,600 | 548 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3928% | 709 |
| Cost of funding earning assets | 0.8939% | 2,262 |
| Net interest margin | 4.4989% | 766 |
| Noninterest income to average assets | 0.4318% | 3,131 |
| Noninterest expense to average assets | 3.0304% | 1,884 |
| Loan and lease loss provision to assets | 0.0352% | 3,197 |
| Net operating income to assets | 1.1386% | 2,422 |
| Return on assets (ROA) | 1.1386% | 2,506 |
| Pretax return on assets | 1.4413% | 2,151 |
| Return on Equity (ROE) | 9.9340% | 2,462 |
| Retained earnings to average equity (ytd only) | 7.3044% | 1,709 |
| Net charge-offs to loans | 0.0285% | 2,525 |
| Credit loss provision to net charge-offs | 155.5556% | 1,589 |
| Earnings coverage of net charge-offs (x) | 65.3116% | 1,005 |
| Efficiency ratio | 66.1056% | 2,712 |
| Assets per employee ($millions) | 4.4917% | 3,220 |
| Cash dividends to net income (ytd only)* | 26.4714% | 2,764 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4969% | 4,974 |
| Loan loss allowance to noncurrent loans | 108.4861% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 0.5527% | 2,350 |
| Noncurrent loans to loans | 0.4580% | 2,932 |
| Net loans and leases to total assets | 78.0078% | 1,144 |
| Net loans and leases to deposits | 94.4966% | 1,175 |
| Net loans and leases to core deposits | 102.8769% | 1,423 |
| Total domestic deposits to total assets | 82.5509% | 3,302 |
| Equity capital to assets | 11.5531% | 2,628 |
| Core capital (leverage) ratio | 9.7419% | 3,919 |
| Tier 1 risk-based capital ratio | 12.3050% | 4,258 |
| Total risk-based capital ratio | 12.8077% | 4,541 |
| Memoranda: |
| Average total assets | $1,327,046,250 | 608 |
| Average earning assets | $1,202,023,000 | 609 |
| Average equity | $152,106,250 | 615 |
| Average total loans | $1,051,234,250 | 548 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4482% | 620 |
| Cost of funding earning assets | 0.8949% | 2,172 |
| Net interest margin | 4.5532% | 679 |
| Noninterest income to average assets | 0.3506% | 3,593 |
| Noninterest expense to average assets | 3.0208% | 1,952 |
| Loan and lease loss provision to assets | 0.0455% | 2,907 |
| Net operating income to assets | 1.1177% | 2,453 |
| Return on assets (ROA) | 1.1177% | 2,528 |
| Pretax return on assets | 1.4149% | 2,154 |
| Return on Equity (ROE) | 9.7783% | 2,492 |
| Retained earnings to average equity (ytd only) | 9.7783% | 819 |
| Net charge-offs to loans | 0.0338% | 2,185 |
| Credit loss provision to net charge-offs | 169.4915% | 1,367 |
| Earnings coverage of net charge-offs (x) | 54.4011% | 1,041 |
| Efficiency ratio | 66.2605% | 2,779 |
| Assets per employee ($millions) | 4.4100% | 3,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4964% | 5,023 |
| Loan loss allowance to noncurrent loans | 112.6685% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 0.5121% | 2,500 |
| Noncurrent loans to loans | 0.4406% | 2,946 |
| Net loans and leases to total assets | 79.5109% | 962 |
| Net loans and leases to deposits | 94.5714% | 1,199 |
| Net loans and leases to core deposits | 106.5792% | 1,208 |
| Total domestic deposits to total assets | 84.0750% | 2,829 |
| Equity capital to assets | 11.6887% | 2,454 |
| Core capital (leverage) ratio | 9.7610% | 3,869 |
| Tier 1 risk-based capital ratio | 12.2341% | 4,279 |
| Total risk-based capital ratio | 12.7436% | 4,583 |
| Memoranda: |
| Average total assets | $1,318,724,330 | 613 |
| Average earning assets | $1,196,289,000 | 613 |
| Average equity | $150,742,000 | 616 |
| Average total loans | $1,048,331,670 | 550 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3037% | 754 |
| Cost of funding earning assets | 0.8682% | 2,169 |
| Net interest margin | 4.4355% | 834 |
| Noninterest income to average assets | 0.3561% | 3,475 |
| Noninterest expense to average assets | 3.0223% | 1,928 |
| Loan and lease loss provision to assets | 0.0304% | 3,013 |
| Net operating income to assets | 1.0521% | 2,653 |
| Return on assets (ROA) | 1.0521% | 2,694 |
| Pretax return on assets | 1.3317% | 2,324 |
| Return on Equity (ROE) | 9.3096% | 2,669 |
| Retained earnings to average equity (ytd only) | 9.3096% | 1,222 |
| Net charge-offs to loans | 0.0495% | 1,576 |
| Credit loss provision to net charge-offs | 77.5194% | 1,800 |
| Earnings coverage of net charge-offs (x) | 34.6977% | 1,244 |
| Efficiency ratio | 67.7448% | 2,676 |
| Assets per employee ($millions) | 4.3076% | 3,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4891% | 5,091 |
| Loan loss allowance to noncurrent loans | 91.4996% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 0.5746% | 2,347 |
| Noncurrent loans to loans | 0.5345% | 2,709 |
| Net loans and leases to total assets | 79.1831% | 963 |
| Net loans and leases to deposits | 94.5811% | 1,105 |
| Net loans and leases to core deposits | 107.4065% | 1,077 |
| Total domestic deposits to total assets | 83.7198% | 3,138 |
| Equity capital to assets | 11.4622% | 2,431 |
| Core capital (leverage) ratio | 9.4379% | 4,217 |
| Tier 1 risk-based capital ratio | 12.0748% | 4,415 |
| Total risk-based capital ratio | 12.5824% | 4,728 |
| Memoranda: |
| Average total assets | $1,314,380,000 | 616 |
| Average earning assets | $1,193,737,500 | 615 |
| Average equity | $148,534,500 | 620 |
| Average total loans | $1,042,146,000 | 557 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2153% | 681 |
| Cost of funding earning assets | 0.7458% | 1,815 |
| Net interest margin | 4.4695% | 808 |
| Noninterest income to average assets | 0.3752% | 3,581 |
| Noninterest expense to average assets | 3.2883% | 1,349 |
| Loan and lease loss provision to assets | 0.0431% | 3,324 |
| Net operating income to assets | 0.7790% | 3,879 |
| Return on assets (ROA) | 0.7790% | 3,886 |
| Pretax return on assets | 1.1325% | 3,161 |
| Return on Equity (ROE) | 7.3771% | 3,701 |
| Retained earnings to average equity (ytd only) | 5.7454% | 2,325 |
| Net charge-offs to loans | 0.0425% | 2,564 |
| Credit loss provision to net charge-offs | 126.2626% | 2,083 |
| Earnings coverage of net charge-offs (x) | 34.4571% | 1,461 |
| Efficiency ratio | 72.7964% | 1,796 |
| Assets per employee ($millions) | 4.5658% | 3,065 |
| Cash dividends to net income (ytd only)* | 22.1190% | 3,402 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4950% | 5,128 |
| Loan loss allowance to noncurrent loans | 101.2803% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 0.6233% | 2,175 |
| Noncurrent loans to loans | 0.4887% | 2,808 |
| Net loans and leases to total assets | 78.6130% | 1,163 |
| Net loans and leases to deposits | 93.9403% | 1,293 |
| Net loans and leases to core deposits | 108.7903% | 1,068 |
| Total domestic deposits to total assets | 83.6840% | 3,088 |
| Equity capital to assets | 11.1394% | 2,567 |
| Core capital (leverage) ratio | 9.0204% | 4,635 |
| Tier 1 risk-based capital ratio | 11.7049% | 4,623 |
| Total risk-based capital ratio | 12.2226% | 4,881 |
| Memoranda: |
| Average total assets | $1,160,721,200 | 661 |
| Average earning assets | $1,061,823,000 | 661 |
| Average equity | $122,568,000 | 705 |
| Average total loans | $931,913,400 | 594 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0906% | 773 |
| Cost of funding earning assets | 0.7290% | 1,687 |
| Net interest margin | 4.3616% | 987 |
| Noninterest income to average assets | 0.3486% | 3,805 |
| Noninterest expense to average assets | 3.3124% | 1,274 |
| Loan and lease loss provision to assets | 0.0238% | 3,549 |
| Net operating income to assets | 0.7990% | 3,903 |
| Return on assets (ROA) | 0.7990% | 3,911 |
| Pretax return on assets | 1.0115% | 3,684 |
| Return on Equity (ROE) | 7.6905% | 3,670 |
| Retained earnings to average equity (ytd only) | 5.4034% | 3,006 |
| Net charge-offs to loans | 0.0137% | 2,935 |
| Credit loss provision to net charge-offs | 215.0538% | 1,309 |
| Earnings coverage of net charge-offs (x) | 93.6858% | 794 |
| Efficiency ratio | 75.4291% | 1,415 |
| Assets per employee ($millions) | 4.3449% | 3,367 |
| Cash dividends to net income (ytd only)* | 29.7398% | 2,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5177% | 5,168 |
| Loan loss allowance to noncurrent loans | 113.6765% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 0.5335% | 2,606 |
| Noncurrent loans to loans | 0.4554% | 3,020 |
| Net loans and leases to total assets | 79.0084% | 1,165 |
| Net loans and leases to deposits | 94.9717% | 1,274 |
| Net loans and leases to core deposits | 109.9812% | 1,035 |
| Total domestic deposits to total assets | 83.1915% | 3,238 |
| Equity capital to assets | 10.7962% | 2,845 |
| Core capital (leverage) ratio | 8.5883% | 5,041 |
| Tier 1 risk-based capital ratio | 11.4034% | 4,846 |
| Total risk-based capital ratio | 11.9474% | 5,080 |
| Memoranda: |
| Average total assets | $1,122,163,750 | 680 |
| Average earning assets | $1,028,904,250 | 683 |
| Average equity | $116,590,750 | 729 |
| Average total loans | $905,175,750 | 607 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8314% | 1,175 |
| Cost of funding earning assets | 0.7147% | 1,545 |
| Net interest margin | 4.1167% | 1,502 |
| Noninterest income to average assets | 0.2838% | 4,284 |
| Noninterest expense to average assets | 3.2814% | 1,368 |
| Loan and lease loss provision to assets | 0.0278% | 3,362 |
| Net operating income to assets | 0.6031% | 4,486 |
| Return on assets (ROA) | 0.6031% | 4,492 |
| Pretax return on assets | 0.7634% | 4,356 |
| Return on Equity (ROE) | 5.8938% | 4,274 |
| Retained earnings to average equity (ytd only) | 2.2713% | 4,374 |
| Net charge-offs to loans | 0.0201% | 2,484 |
| Credit loss provision to net charge-offs | 170.4545% | 1,452 |
| Earnings coverage of net charge-offs (x) | 48.5114% | 1,147 |
| Efficiency ratio | 79.8990% | 1,026 |
| Assets per employee ($millions) | 5.4558% | 1,935 |
| Cash dividends to net income (ytd only)* | 61.4628% | 1,264 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5083% | 5,249 |
| Loan loss allowance to noncurrent loans | 101.4925% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 0.5889% | 2,462 |
| Noncurrent loans to loans | 0.5008% | 2,917 |
| Net loans and leases to total assets | 78.5302% | 1,241 |
| Net loans and leases to deposits | 96.9047% | 1,049 |
| Net loans and leases to core deposits | 116.1386% | 708 |
| Total domestic deposits to total assets | 81.0386% | 3,987 |
| Equity capital to assets | 10.4688% | 3,157 |
| Core capital (leverage) ratio | 8.3155% | 5,203 |
| Tier 1 risk-based capital ratio | 10.5351% | 5,260 |
| Total risk-based capital ratio | 11.0597% | 5,418 |
| Memoranda: |
| Average total assets | $1,079,105,330 | 711 |
| Average earning assets | $993,174,330 | 711 |
| Average equity | $110,422,000 | 768 |
| Average total loans | $875,631,670 | 626 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8613% | 950 |
| Cost of funding earning assets | 0.6750% | 1,566 |
| Net interest margin | 4.1863% | 1,203 |
| Noninterest income to average assets | 0.2567% | 4,460 |
| Noninterest expense to average assets | 3.0533% | 1,937 |
| Loan and lease loss provision to assets | 0.0203% | 3,265 |
| Net operating income to assets | 0.8349% | 3,577 |
| Return on assets (ROA) | 0.8349% | 3,591 |
| Pretax return on assets | 1.0567% | 3,329 |
| Return on Equity (ROE) | 8.2831% | 3,251 |
| Retained earnings to average equity (ytd only) | 0.2099% | 4,772 |
| Net charge-offs to loans | 0.0138% | 2,267 |
| Credit loss provision to net charge-offs | 178.5714% | 1,122 |
| Earnings coverage of net charge-offs (x) | 94.5357% | 640 |
| Efficiency ratio | 73.3130% | 1,995 |
| Assets per employee ($millions) | 4.3276% | 3,436 |
| Cash dividends to net income (ytd only)* | 97.4659% | 604 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6228% | 5,143 |
| Loan loss allowance to noncurrent loans | 116.5362% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 0.6991% | 2,229 |
| Noncurrent loans to loans | 0.5344% | 2,920 |
| Net loans and leases to total assets | 82.1883% | 643 |
| Net loans and leases to deposits | 99.8094% | 722 |
| Net loans and leases to core deposits | 133.5932% | 288 |
| Total domestic deposits to total assets | 82.3453% | 3,862 |
| Equity capital to assets | 10.0684% | 3,537 |
| Core capital (leverage) ratio | 9.1460% | 4,511 |
| Tier 1 risk-based capital ratio | 11.0936% | 5,086 |
| Total risk-based capital ratio | 11.7263% | 5,268 |
| Memoranda: |
| Average total assets | $983,058,000 | 774 |
| Average earning assets | $909,627,000 | 771 |
| Average equity | $99,093,000 | 855 |
| Average total loans | $811,759,500 | 679 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8898% | 814 |
| Cost of funding earning assets | 0.6134% | 1,520 |
| Net interest margin | 4.2764% | 1,018 |
| Noninterest income to average assets | 0.3640% | 3,863 |
| Noninterest expense to average assets | 2.9014% | 2,453 |
| Loan and lease loss provision to assets | 0.0629% | 2,973 |
| Net operating income to assets | 0.6821% | 3,671 |
| Return on assets (ROA) | 0.6970% | 3,668 |
| Pretax return on assets | 1.3295% | 2,251 |
| Return on Equity (ROE) | 7.0636% | 3,240 |
| Retained earnings to average equity (ytd only) | -0.0775% | 5,039 |
| Net charge-offs to loans | 0.0711% | 2,431 |
| Credit loss provision to net charge-offs | 110.4240% | 2,360 |
| Earnings coverage of net charge-offs (x) | 24.0300% | 1,774 |
| Efficiency ratio | 67.3503% | 3,027 |
| Assets per employee ($millions) | 4.4598% | 3,252 |
| Cash dividends to net income (ytd only)* | 101.0976% | 335 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6211% | 5,204 |
| Loan loss allowance to noncurrent loans | 196.1838% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.6244% | 2,455 |
| Noncurrent loans to loans | 0.3166% | 3,646 |
| Net loans and leases to total assets | 82.1517% | 664 |
| Net loans and leases to deposits | 98.4439% | 865 |
| Net loans and leases to core deposits | 127.4519% | 404 |
| Total domestic deposits to total assets | 83.4502% | 3,401 |
| Equity capital to assets | 9.9086% | 3,808 |
| Core capital (leverage) ratio | 9.0497% | 4,587 |
| Tier 1 risk-based capital ratio | 11.1100% | 5,081 |
| Total risk-based capital ratio | 11.7382% | 5,277 |
| Memoranda: |
| Average total assets | $993,391,400 | 743 |
| Average earning assets | $907,467,200 | 745 |
| Average equity | $98,023,600 | 842 |
| Average total loans | $795,614,600 | 659 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8456% | 847 |
| Cost of funding earning assets | 0.5971% | 1,543 |
| Net interest margin | 4.2485% | 1,048 |
| Noninterest income to average assets | 0.3411% | 4,096 |
| Noninterest expense to average assets | 2.8558% | 2,549 |
| Loan and lease loss provision to assets | 0.0535% | 3,029 |
| Net operating income to assets | 0.8721% | 3,168 |
| Return on assets (ROA) | 0.8755% | 3,192 |
| Pretax return on assets | 1.3062% | 2,454 |
| Return on Equity (ROE) | 8.8814% | 2,679 |
| Retained earnings to average equity (ytd only) | 2.5017% | 4,399 |
| Net charge-offs to loans | 0.0488% | 2,459 |
| Credit loss provision to net charge-offs | 137.9310% | 1,793 |
| Earnings coverage of net charge-offs (x) | 34.9101% | 1,425 |
| Efficiency ratio | 67.2323% | 3,013 |
| Assets per employee ($millions) | 4.3392% | 3,409 |
| Cash dividends to net income (ytd only)* | 71.8325% | 901 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6297% | 5,274 |
| Loan loss allowance to noncurrent loans | 166.0359% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.7396% | 2,284 |
| Noncurrent loans to loans | 0.3793% | 3,590 |
| Net loans and leases to total assets | 79.4305% | 1,062 |
| Net loans and leases to deposits | 95.9840% | 1,114 |
| Net loans and leases to core deposits | 124.4445% | 447 |
| Total domestic deposits to total assets | 82.7539% | 3,536 |
| Equity capital to assets | 9.8624% | 4,073 |
| Core capital (leverage) ratio | 8.8788% | 4,892 |
| Tier 1 risk-based capital ratio | 11.0252% | 5,233 |
| Total risk-based capital ratio | 11.6524% | 5,422 |
| Memoranda: |
| Average total assets | $996,449,000 | 744 |
| Average earning assets | $907,527,500 | 753 |
| Average equity | $98,224,750 | 845 |
| Average total loans | $791,748,750 | 664 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7619% | 945 |
| Cost of funding earning assets | 0.5646% | 1,686 |
| Net interest margin | 4.1973% | 1,079 |
| Noninterest income to average assets | 0.2880% | 4,493 |
| Noninterest expense to average assets | 2.8056% | 2,739 |
| Loan and lease loss provision to assets | 0.0403% | 3,202 |
| Net operating income to assets | 0.8296% | 3,249 |
| Return on assets (ROA) | 0.8296% | 3,303 |
| Pretax return on assets | 1.2570% | 2,544 |
| Return on Equity (ROE) | 8.4171% | 2,819 |
| Retained earnings to average equity (ytd only) | 2.2777% | 4,317 |
| Net charge-offs to loans | 0.0221% | 2,778 |
| Credit loss provision to net charge-offs | 229.8851% | 1,141 |
| Earnings coverage of net charge-offs (x) | 73.9310% | 816 |
| Efficiency ratio | 67.7662% | 3,057 |
| Assets per employee ($millions) | 4.3552% | 3,334 |
| Cash dividends to net income (ytd only)* | 72.9395% | 1,033 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6440% | 5,315 |
| Loan loss allowance to noncurrent loans | 135.8591% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 0.7619% | 2,302 |
| Noncurrent loans to loans | 0.4740% | 3,325 |
| Net loans and leases to total assets | 76.7541% | 1,423 |
| Net loans and leases to deposits | 92.4538% | 1,438 |
| Net loans and leases to core deposits | 126.2520% | 389 |
| Total domestic deposits to total assets | 83.0188% | 3,560 |
| Equity capital to assets | 9.6808% | 4,245 |
| Core capital (leverage) ratio | 9.1473% | 4,560 |
| Tier 1 risk-based capital ratio | 11.1552% | 5,175 |
| Total risk-based capital ratio | 11.7950% | 5,364 |
| Memoranda: |
| Average total assets | $991,591,330 | 749 |
| Average earning assets | $901,242,330 | 761 |
| Average equity | $97,729,330 | 850 |
| Average total loans | $786,282,000 | 668 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7245% | 892 |
| Cost of funding earning assets | 0.5387% | 1,799 |
| Net interest margin | 4.1858% | 1,018 |
| Noninterest income to average assets | 0.3321% | 4,174 |
| Noninterest expense to average assets | 2.8383% | 2,658 |
| Loan and lease loss provision to assets | 0.0615% | 2,578 |
| Net operating income to assets | 0.8454% | 3,011 |
| Return on assets (ROA) | 0.8454% | 3,056 |
| Pretax return on assets | 1.2808% | 2,302 |
| Return on Equity (ROE) | 8.4984% | 2,676 |
| Retained earnings to average equity (ytd only) | -3.8659% | 5,324 |
| Net charge-offs to loans | 0.0122% | 2,569 |
| Credit loss provision to net charge-offs | 625.0000% | 496 |
| Earnings coverage of net charge-offs (x) | 136.4167% | 401 |
| Efficiency ratio | 67.2845% | 3,303 |
| Assets per employee ($millions) | 4.4020% | 3,330 |
| Cash dividends to net income (ytd only)* | 145.4898% | 405 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6491% | 5,404 |
| Loan loss allowance to noncurrent loans | 136.8633% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 0.8425% | 2,193 |
| Noncurrent loans to loans | 0.4743% | 3,390 |
| Net loans and leases to total assets | 80.3145% | 801 |
| Net loans and leases to deposits | 94.8486% | 1,034 |
| Net loans and leases to core deposits | 123.0233% | 389 |
| Total domestic deposits to total assets | 84.6765% | 3,226 |
| Equity capital to assets | 9.9449% | 3,819 |
| Core capital (leverage) ratio | 8.8692% | 4,884 |
| Tier 1 risk-based capital ratio | 11.0293% | 5,293 |
| Total risk-based capital ratio | 11.6863% | 5,493 |
| Memoranda: |
| Average total assets | $975,649,500 | 771 |
| Average earning assets | $897,029,500 | 766 |
| Average equity | $97,053,500 | 846 |
| Average total loans | $784,097,500 | 673 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8003% | 885 |
| Cost of funding earning assets | 0.5272% | 1,888 |
| Net interest margin | 4.2730% | 979 |
| Noninterest income to average assets | 0.4697% | 3,410 |
| Noninterest expense to average assets | 3.2929% | 1,592 |
| Loan and lease loss provision to assets | 0.0700% | 2,959 |
| Net operating income to assets | 0.6937% | 3,813 |
| Return on assets (ROA) | 0.7052% | 3,873 |
| Pretax return on assets | 1.0655% | 3,237 |
| Return on Equity (ROE) | 6.5561% | 3,714 |
| Retained earnings to average equity (ytd only) | -6.2602% | 5,713 |
| Net charge-offs to loans | 0.0834% | 2,499 |
| Credit loss provision to net charge-offs | 102.7397% | 2,517 |
| Earnings coverage of net charge-offs (x) | 16.4195% | 2,112 |
| Efficiency ratio | 74.1344% | 2,271 |
| Assets per employee ($millions) | 4.4074% | 3,264 |
| Cash dividends to net income (ytd only)* | 195.4869% | 88 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6369% | 5,473 |
| Loan loss allowance to noncurrent loans | 120.7323% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 0.9102% | 2,086 |
| Noncurrent loans to loans | 0.5275% | 3,269 |
| Net loans and leases to total assets | 79.3880% | 983 |
| Net loans and leases to deposits | 94.2569% | 1,171 |
| Net loans and leases to core deposits | 119.2586% | 504 |
| Total domestic deposits to total assets | 84.2252% | 3,341 |
| Equity capital to assets | 9.9502% | 3,768 |
| Core capital (leverage) ratio | 9.2419% | 4,422 |
| Tier 1 risk-based capital ratio | 11.2772% | 5,182 |
| Total risk-based capital ratio | 11.9186% | 5,416 |
| Memoranda: |
| Average total assets | $857,748,400 | 848 |
| Average earning assets | $791,124,200 | 847 |
| Average equity | $92,265,400 | 866 |
| Average total loans | $700,153,200 | 722 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7793% | 938 |
| Cost of funding earning assets | 0.5255% | 1,905 |
| Net interest margin | 4.2538% | 1,021 |
| Noninterest income to average assets | 0.4727% | 3,415 |
| Noninterest expense to average assets | 3.3970% | 1,346 |
| Loan and lease loss provision to assets | 0.0564% | 3,114 |
| Net operating income to assets | 0.6209% | 4,207 |
| Return on assets (ROA) | 0.6367% | 4,264 |
| Pretax return on assets | 0.9713% | 3,733 |
| Return on Equity (ROE) | 5.7908% | 4,173 |
| Retained earnings to average equity (ytd only) | -11.5362% | 5,859 |
| Net charge-offs to loans | 0.0965% | 1,982 |
| Credit loss provision to net charge-offs | 71.1382% | 2,771 |
| Earnings coverage of net charge-offs (x) | 12.6627% | 2,371 |
| Efficiency ratio | 76.7198% | 1,875 |
| Assets per employee ($millions) | 4.3842% | 3,277 |
| Cash dividends to net income (ytd only)* | 299.2156% | 39 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6371% | 5,553 |
| Loan loss allowance to noncurrent loans | 103.2998% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 0.8303% | 2,468 |
| Noncurrent loans to loans | 0.6168% | 3,166 |
| Net loans and leases to total assets | 78.6689% | 1,088 |
| Net loans and leases to deposits | 93.0294% | 1,366 |
| Net loans and leases to core deposits | 113.5056% | 746 |
| Total domestic deposits to total assets | 84.5635% | 3,005 |
| Equity capital to assets | 10.0632% | 4,077 |
| Core capital (leverage) ratio | 9.2812% | 4,481 |
| Tier 1 risk-based capital ratio | 10.9872% | 5,375 |
| Total risk-based capital ratio | 11.6074% | 5,598 |
| Memoranda: |
| Average total assets | $827,572,750 | 879 |
| Average earning assets | $764,200,500 | 879 |
| Average equity | $90,992,250 | 888 |
| Average total loans | $679,753,500 | 734 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7901% | 903 |
| Cost of funding earning assets | 0.5239% | 1,915 |
| Net interest margin | 4.2662% | 990 |
| Noninterest income to average assets | 0.3802% | 4,023 |
| Noninterest expense to average assets | 3.6101% | 993 |
| Loan and lease loss provision to assets | 0.0382% | 3,393 |
| Net operating income to assets | 0.4424% | 4,894 |
| Return on assets (ROA) | 0.4605% | 4,920 |
| Pretax return on assets | 0.7087% | 4,586 |
| Return on Equity (ROE) | 4.0487% | 4,894 |
| Retained earnings to average equity (ytd only) | 4.0487% | 3,328 |
| Net charge-offs to loans | 0.1290% | 1,560 |
| Credit loss provision to net charge-offs | 35.5450% | 2,811 |
| Earnings coverage of net charge-offs (x) | 6.6872% | 2,717 |
| Efficiency ratio | 82.9360% | 1,155 |
| Assets per employee ($millions) | 4.2544% | 3,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6466% | 5,620 |
| Loan loss allowance to noncurrent loans | 141.2952% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 0.7661% | 2,687 |
| Noncurrent loans to loans | 0.4576% | 3,728 |
| Net loans and leases to total assets | 81.0683% | 737 |
| Net loans and leases to deposits | 97.4782% | 932 |
| Net loans and leases to core deposits | 124.1892% | 404 |
| Total domestic deposits to total assets | 83.1655% | 3,589 |
| Equity capital to assets | 11.0904% | 2,960 |
| Core capital (leverage) ratio | 10.7287% | 2,716 |
| Tier 1 risk-based capital ratio | 11.9559% | 4,855 |
| Total risk-based capital ratio | 12.5902% | 5,153 |
| Memoranda: |
| Average total assets | $784,848,330 | 919 |
| Average earning assets | $726,500,330 | 910 |
| Average equity | $89,263,330 | 903 |
| Average total loans | $654,106,000 | 757 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8807% | 719 |
| Cost of funding earning assets | 0.5358% | 1,822 |
| Net interest margin | 4.3449% | 839 |
| Noninterest income to average assets | 0.2883% | 4,667 |
| Noninterest expense to average assets | 3.1490% | 1,960 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7763% | 3,369 |
| Return on assets (ROA) | 0.8113% | 3,307 |
| Pretax return on assets | 1.2300% | 2,581 |
| Return on Equity (ROE) | 7.0269% | 3,438 |
| Retained earnings to average equity (ytd only) | 7.0269% | 1,874 |
| Net charge-offs to loans | 0.1164% | 1,419 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 11.9778% | 1,825 |
| Efficiency ratio | 72.4129% | 2,738 |
| Assets per employee ($millions) | 4.0970% | 3,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7733% | 5,435 |
| Loan loss allowance to noncurrent loans | 278.5673% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.6035% | 3,252 |
| Noncurrent loans to loans | 0.2776% | 4,438 |
| Net loans and leases to total assets | 84.1579% | 356 |
| Net loans and leases to deposits | 103.3478% | 444 |
| Net loans and leases to core deposits | 129.3065% | 282 |
| Total domestic deposits to total assets | 81.4317% | 4,369 |
| Equity capital to assets | 11.7160% | 2,228 |
| Core capital (leverage) ratio | 10.6387% | 2,808 |
| Tier 1 risk-based capital ratio | 12.1197% | 4,837 |
| Total risk-based capital ratio | 12.8673% | 5,067 |
| Memoranda: |
| Average total assets | $732,688,000 | 988 |
| Average earning assets | $680,891,000 | 973 |
| Average equity | $84,589,000 | 939 |
| Average total loans | $618,396,500 | 804 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8479% | 851 |
| Cost of funding earning assets | 0.5741% | 1,563 |
| Net interest margin | 4.2738% | 1,014 |
| Noninterest income to average assets | 0.4305% | 3,816 |
| Noninterest expense to average assets | 2.9166% | 2,800 |
| Loan and lease loss provision to assets | 0.1574% | 1,480 |
| Net operating income to assets | 0.9060% | 2,835 |
| Return on assets (ROA) | 0.9496% | 2,693 |
| Pretax return on assets | 1.3636% | 2,056 |
| Return on Equity (ROE) | 8.6244% | 2,658 |
| Retained earnings to average equity (ytd only) | 8.6244% | 748 |
| Net charge-offs to loans | 0.2123% | 1,387 |
| Credit loss provision to net charge-offs | 89.6337% | 2,767 |
| Earnings coverage of net charge-offs (x) | 8.3094% | 2,970 |
| Efficiency ratio | 66.2820% | 3,859 |
| Assets per employee ($millions) | 4.2550% | 3,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8027% | 5,404 |
| Loan loss allowance to noncurrent loans | 195.4707% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.6606% | 3,063 |
| Noncurrent loans to loans | 0.4107% | 3,980 |
| Net loans and leases to total assets | 83.3180% | 452 |
| Net loans and leases to deposits | 100.2326% | 656 |
| Net loans and leases to core deposits | 127.2189% | 312 |
| Total domestic deposits to total assets | 83.1247% | 3,801 |
| Equity capital to assets | 11.3757% | 2,467 |
| Core capital (leverage) ratio | 10.5618% | 2,869 |
| Tier 1 risk-based capital ratio | 12.1749% | 4,840 |
| Total risk-based capital ratio | 12.9570% | 5,048 |
| Memoranda: |
| Average total assets | $730,851,200 | 944 |
| Average earning assets | $674,594,800 | 945 |
| Average equity | $80,469,000 | 946 |
| Average total loans | $604,467,200 | 770 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8195% | 905 |
| Cost of funding earning assets | 0.5801% | 1,544 |
| Net interest margin | 4.2394% | 1,080 |
| Noninterest income to average assets | 0.4096% | 4,010 |
| Noninterest expense to average assets | 2.8573% | 2,983 |
| Loan and lease loss provision to assets | 0.1462% | 1,495 |
| Net operating income to assets | 0.8659% | 3,106 |
| Return on assets (ROA) | 0.9143% | 2,978 |
| Pretax return on assets | 1.3879% | 2,064 |
| Return on Equity (ROE) | 8.3746% | 2,895 |
| Retained earnings to average equity (ytd only) | 8.3746% | 1,098 |
| Net charge-offs to loans | 0.0353% | 3,205 |
| Credit loss provision to net charge-offs | 503.1447% | 643 |
| Earnings coverage of net charge-offs (x) | 50.2652% | 1,046 |
| Efficiency ratio | 65.7919% | 3,929 |
| Assets per employee ($millions) | 4.4161% | 3,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9127% | 5,161 |
| Loan loss allowance to noncurrent loans | 69.8306% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 1.3833% | 1,662 |
| Noncurrent loans to loans | 1.3070% | 1,952 |
| Net loans and leases to total assets | 81.5506% | 631 |
| Net loans and leases to deposits | 97.6062% | 848 |
| Net loans and leases to core deposits | 109.2563% | 916 |
| Total domestic deposits to total assets | 83.5507% | 3,590 |
| Equity capital to assets | 10.9999% | 3,029 |
| Core capital (leverage) ratio | 9.9134% | 3,755 |
| Tier 1 risk-based capital ratio | 11.3545% | 5,457 |
| Total risk-based capital ratio | 12.2288% | 5,572 |
| Memoranda: |
| Average total assets | $729,535,000 | 954 |
| Average earning assets | $672,563,000 | 961 |
| Average equity | $79,651,750 | 959 |
| Average total loans | $601,014,000 | 782 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8288% | 844 |
| Cost of funding earning assets | 0.5772% | 1,592 |
| Net interest margin | 4.2516% | 1,015 |
| Noninterest income to average assets | 0.4702% | 3,560 |
| Noninterest expense to average assets | 2.8596% | 3,031 |
| Loan and lease loss provision to assets | 0.1381% | 1,584 |
| Net operating income to assets | 0.9223% | 2,773 |
| Return on assets (ROA) | 0.9714% | 2,639 |
| Pretax return on assets | 1.4742% | 1,715 |
| Return on Equity (ROE) | 8.9196% | 2,592 |
| Retained earnings to average equity (ytd only) | 8.9196% | 945 |
| Net charge-offs to loans | 0.0148% | 3,420 |
| Credit loss provision to net charge-offs | 1,136.3636% | 314 |
| Earnings coverage of net charge-offs (x) | 126.5227% | 497 |
| Efficiency ratio | 64.6501% | 4,247 |
| Assets per employee ($millions) | 4.4529% | 3,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8908% | 5,329 |
| Loan loss allowance to noncurrent loans | 56.2928% | 4,833 |
| Noncurrent assets plus other real estate owned to assets | 1.6563% | 1,446 |
| Noncurrent loans to loans | 1.5825% | 1,662 |
| Net loans and leases to total assets | 83.0925% | 461 |
| Net loans and leases to deposits | 102.2066% | 541 |
| Net loans and leases to core deposits | 122.7655% | 396 |
| Total domestic deposits to total assets | 81.2986% | 4,517 |
| Equity capital to assets | 11.0907% | 2,792 |
| Core capital (leverage) ratio | 9.9077% | 3,730 |
| Tier 1 risk-based capital ratio | 11.0730% | 5,676 |
| Total risk-based capital ratio | 11.9208% | 5,793 |
| Memoranda: |
| Average total assets | $723,937,330 | 963 |
| Average earning assets | $668,742,670 | 969 |
| Average equity | $78,837,330 | 976 |
| Average total loans | $596,605,000 | 788 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9969% | 568 |
| Cost of funding earning assets | 0.5847% | 1,545 |
| Net interest margin | 4.4122% | 712 |
| Noninterest income to average assets | 0.3325% | 4,530 |
| Noninterest expense to average assets | 2.8764% | 2,985 |
| Loan and lease loss provision to assets | 0.1660% | 1,209 |
| Net operating income to assets | 0.8965% | 2,757 |
| Return on assets (ROA) | 0.9001% | 2,865 |
| Pretax return on assets | 1.3660% | 2,017 |
| Return on Equity (ROE) | 8.3429% | 2,784 |
| Retained earnings to average equity (ytd only) | 8.3429% | 1,437 |
| Net charge-offs to loans | -0.0562% | 5,577 |
| Credit loss provision to net charge-offs | -361.4458% | 4,748 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9535% | 4,327 |
| Assets per employee ($millions) | 4.3786% | 3,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9077% | 5,420 |
| Loan loss allowance to noncurrent loans | 45.3144% | 5,144 |
| Noncurrent assets plus other real estate owned to assets | 2.0100% | 1,176 |
| Noncurrent loans to loans | 2.0031% | 1,304 |
| Net loans and leases to total assets | 81.3026% | 536 |
| Net loans and leases to deposits | 97.4205% | 728 |
| Net loans and leases to core deposits | 119.1584% | 429 |
| Total domestic deposits to total assets | 83.4553% | 4,024 |
| Equity capital to assets | 10.9943% | 2,978 |
| Core capital (leverage) ratio | 9.4815% | 4,306 |
| Tier 1 risk-based capital ratio | 11.6005% | 5,497 |
| Total risk-based capital ratio | 12.5142% | 5,595 |
| Memoranda: |
| Average total assets | $722,995,000 | 959 |
| Average earning assets | $666,975,000 | 965 |
| Average equity | $78,006,500 | 983 |
| Average total loans | $590,645,000 | 791 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7332% | 1,231 |
| Cost of funding earning assets | 0.6819% | 1,198 |
| Net interest margin | 4.0513% | 1,733 |
| Noninterest income to average assets | 0.4449% | 3,871 |
| Noninterest expense to average assets | 3.0146% | 2,800 |
| Loan and lease loss provision to assets | 0.1787% | 1,441 |
| Net operating income to assets | 0.6573% | 4,104 |
| Return on assets (ROA) | 0.6631% | 4,170 |
| Pretax return on assets | 1.0023% | 3,486 |
| Return on Equity (ROE) | 6.0229% | 4,137 |
| Retained earnings to average equity (ytd only) | 1.5834% | 5,036 |
| Net charge-offs to loans | 0.1404% | 2,622 |
| Credit loss provision to net charge-offs | 152.1498% | 1,594 |
| Earnings coverage of net charge-offs (x) | 9.9792% | 2,673 |
| Efficiency ratio | 72.0028% | 3,214 |
| Assets per employee ($millions) | 4.6961% | 2,729 |
| Cash dividends to net income (ytd only)* | 73.7101% | 1,146 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8385% | 5,663 |
| Loan loss allowance to noncurrent loans | 126.0472% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 0.9547% | 2,844 |
| Noncurrent loans to loans | 0.6652% | 3,687 |
| Net loans and leases to total assets | 80.6638% | 652 |
| Net loans and leases to deposits | 96.3840% | 878 |
| Net loans and leases to core deposits | 118.1533% | 456 |
| Total domestic deposits to total assets | 83.6900% | 3,847 |
| Equity capital to assets | 10.5871% | 3,378 |
| Core capital (leverage) ratio | 9.2154% | 4,657 |
| Tier 1 risk-based capital ratio | 11.1024% | 5,872 |
| Total risk-based capital ratio | 11.9367% | 5,970 |
| Memoranda: |
| Average total assets | $613,808,800 | 1,080 |
| Average earning assets | $566,933,400 | 1,068 |
| Average equity | $67,575,600 | 1,091 |
| Average total loans | $513,367,400 | 866 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8440% | 1,026 |
| Cost of funding earning assets | 0.7173% | 1,062 |
| Net interest margin | 4.1267% | 1,497 |
| Noninterest income to average assets | 0.4294% | 4,027 |
| Noninterest expense to average assets | 2.8826% | 3,187 |
| Loan and lease loss provision to assets | 0.1041% | 2,305 |
| Net operating income to assets | 0.8324% | 3,273 |
| Return on assets (ROA) | 0.8324% | 3,359 |
| Pretax return on assets | 1.2591% | 2,539 |
| Return on Equity (ROE) | 7.4718% | 3,456 |
| Retained earnings to average equity (ytd only) | 7.4718% | 1,586 |
| Net charge-offs to loans | -0.0157% | 5,546 |
| Credit loss provision to net charge-offs | -787.9310% | 5,832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8936% | 3,875 |
| Assets per employee ($millions) | 4.8742% | 2,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9977% | 5,232 |
| Loan loss allowance to noncurrent loans | 189.3878% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 0.7508% | 3,562 |
| Noncurrent loans to loans | 0.5268% | 4,354 |
| Net loans and leases to total assets | 83.7985% | 345 |
| Net loans and leases to deposits | 102.8400% | 460 |
| Net loans and leases to core deposits | 119.8310% | 397 |
| Total domestic deposits to total assets | 81.4843% | 4,670 |
| Equity capital to assets | 11.1055% | 2,855 |
| Core capital (leverage) ratio | 10.3570% | 3,203 |
| Tier 1 risk-based capital ratio | 12.0276% | 5,463 |
| Total risk-based capital ratio | 13.0244% | 5,548 |
| Memoranda: |
| Average total assets | $585,288,000 | 1,138 |
| Average earning assets | $541,273,250 | 1,124 |
| Average equity | $65,203,750 | 1,131 |
| Average total loans | $493,681,750 | 911 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8751% | 948 |
| Cost of funding earning assets | 0.7258% | 1,047 |
| Net interest margin | 4.1493% | 1,386 |
| Noninterest income to average assets | 0.4533% | 3,851 |
| Noninterest expense to average assets | 2.9220% | 3,092 |
| Loan and lease loss provision to assets | 0.1036% | 2,293 |
| Net operating income to assets | 0.8305% | 3,175 |
| Return on assets (ROA) | 0.8305% | 3,270 |
| Pretax return on assets | 1.2554% | 2,433 |
| Return on Equity (ROE) | 7.4468% | 3,391 |
| Retained earnings to average equity (ytd only) | 7.4468% | 1,540 |
| Net charge-offs to loans | -0.0258% | 5,633 |
| Credit loss provision to net charge-offs | -476.1905% | 5,555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2537% | 3,958 |
| Assets per employee ($millions) | 4.5973% | 2,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9959% | 5,370 |
| Loan loss allowance to noncurrent loans | 186.7270% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.7815% | 3,623 |
| Noncurrent loans to loans | 0.5333% | 4,411 |
| Net loans and leases to total assets | 83.6600% | 324 |
| Net loans and leases to deposits | 101.4892% | 480 |
| Net loans and leases to core deposits | 123.1267% | 317 |
| Total domestic deposits to total assets | 82.4324% | 4,494 |
| Equity capital to assets | 11.2010% | 2,695 |
| Core capital (leverage) ratio | 10.4955% | 2,957 |
| Tier 1 risk-based capital ratio | 11.8972% | 5,596 |
| Total risk-based capital ratio | 12.8814% | 5,678 |
| Memoranda: |
| Average total assets | $578,917,000 | 1,143 |
| Average earning assets | $534,064,000 | 1,135 |
| Average equity | $64,564,330 | 1,135 |
| Average total loans | $487,714,670 | 915 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9043% | 868 |
| Cost of funding earning assets | 0.7361% | 1,039 |
| Net interest margin | 4.1682% | 1,301 |
| Noninterest income to average assets | 0.4591% | 3,719 |
| Noninterest expense to average assets | 3.0355% | 2,748 |
| Loan and lease loss provision to assets | 0.1219% | 1,973 |
| Net operating income to assets | 0.7664% | 3,329 |
| Return on assets (ROA) | 0.7664% | 3,412 |
| Pretax return on assets | 1.1558% | 2,674 |
| Return on Equity (ROE) | 6.8868% | 3,535 |
| Retained earnings to average equity (ytd only) | 6.8868% | 2,094 |
| Net charge-offs to loans | -0.0331% | 5,617 |
| Credit loss provision to net charge-offs | -437.5000% | 5,156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3764% | 3,761 |
| Assets per employee ($millions) | 4.5234% | 2,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9938% | 5,552 |
| Loan loss allowance to noncurrent loans | 322.1999% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.6316% | 4,236 |
| Noncurrent loans to loans | 0.3084% | 5,183 |
| Net loans and leases to total assets | 82.6630% | 317 |
| Net loans and leases to deposits | 100.3039% | 424 |
| Net loans and leases to core deposits | 118.3064% | 355 |
| Total domestic deposits to total assets | 82.4125% | 4,809 |
| Equity capital to assets | 11.1406% | 2,582 |
| Core capital (leverage) ratio | 10.0985% | 3,428 |
| Tier 1 risk-based capital ratio | 11.7614% | 5,783 |
| Total risk-based capital ratio | 12.7431% | 5,863 |
| Memoranda: |
| Average total assets | $574,146,000 | 1,159 |
| Average earning assets | $530,883,000 | 1,156 |
| Average equity | $63,890,000 | 1,149 |
| Average total loans | $482,943,500 | 927 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9992% | 923 |
| Cost of funding earning assets | 0.8069% | 1,183 |
| Net interest margin | 4.1923% | 1,373 |
| Noninterest income to average assets | 0.6134% | 3,010 |
| Noninterest expense to average assets | 2.8447% | 3,549 |
| Loan and lease loss provision to assets | 0.2965% | 1,142 |
| Net operating income to assets | 1.2831% | 1,298 |
| Return on assets (ROA) | 1.2959% | 1,313 |
| Pretax return on assets | 1.3395% | 2,010 |
| Return on Equity (ROE) | 11.6404% | 1,539 |
| Retained earnings to average equity (ytd only) | 6.7828% | 1,535 |
| Net charge-offs to loans | 0.4827% | 1,379 |
| Credit loss provision to net charge-offs | 73.6677% | 3,210 |
| Earnings coverage of net charge-offs (x) | 4.0318% | 3,696 |
| Efficiency ratio | 63.6741% | 4,962 |
| Assets per employee ($millions) | 4.4476% | 2,995 |
| Cash dividends to net income (ytd only)* | 41.7304% | 2,724 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9512% | 5,755 |
| Loan loss allowance to noncurrent loans | 226.7292% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.6865% | 4,188 |
| Noncurrent loans to loans | 0.4195% | 4,946 |
| Net loans and leases to total assets | 83.9420% | 261 |
| Net loans and leases to deposits | 102.0361% | 397 |
| Net loans and leases to core deposits | 120.7559% | 318 |
| Total domestic deposits to total assets | 82.2670% | 4,780 |
| Equity capital to assets | 11.1148% | 2,510 |
| Core capital (leverage) ratio | 10.0120% | 3,555 |
| Tier 1 risk-based capital ratio | 11.4951% | 5,909 |
| Total risk-based capital ratio | 12.4382% | 6,032 |
| Memoranda: |
| Average total assets | $554,759,200 | 1,194 |
| Average earning assets | $510,001,400 | 1,193 |
| Average equity | $61,759,000 | 1,168 |
| Average total loans | $462,639,600 | 915 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9892% | 961 |
| Cost of funding earning assets | 0.8255% | 1,188 |
| Net interest margin | 4.1638% | 1,441 |
| Noninterest income to average assets | 0.6399% | 2,929 |
| Noninterest expense to average assets | 2.8641% | 3,427 |
| Loan and lease loss provision to assets | 0.2056% | 1,765 |
| Net operating income to assets | 0.9194% | 2,739 |
| Return on assets (ROA) | 0.9241% | 2,830 |
| Pretax return on assets | 1.3932% | 1,952 |
| Return on Equity (ROE) | 8.2979% | 2,975 |
| Retained earnings to average equity (ytd only) | 8.2979% | 1,297 |
| Net charge-offs to loans | 0.3231% | 1,925 |
| Credit loss provision to net charge-offs | 76.6456% | 2,929 |
| Earnings coverage of net charge-offs (x) | 5.9324% | 3,072 |
| Efficiency ratio | 64.2795% | 4,757 |
| Assets per employee ($millions) | 4.4793% | 2,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0411% | 5,551 |
| Loan loss allowance to noncurrent loans | 114.0274% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 1.2192% | 3,203 |
| Noncurrent loans to loans | 0.9131% | 3,992 |
| Net loans and leases to total assets | 82.8234% | 304 |
| Net loans and leases to deposits | 100.8226% | 440 |
| Net loans and leases to core deposits | 118.0785% | 352 |
| Total domestic deposits to total assets | 82.1476% | 4,871 |
| Equity capital to assets | 11.1696% | 2,595 |
| Core capital (leverage) ratio | 10.1974% | 3,404 |
| Tier 1 risk-based capital ratio | 11.6954% | 5,948 |
| Total risk-based capital ratio | 12.7151% | 6,038 |
| Memoranda: |
| Average total assets | $551,125,500 | 1,213 |
| Average earning assets | $505,075,000 | 1,217 |
| Average equity | $61,379,750 | 1,181 |
| Average total loans | $457,683,000 | 934 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0147% | 889 |
| Cost of funding earning assets | 0.8365% | 1,220 |
| Net interest margin | 4.1782% | 1,338 |
| Noninterest income to average assets | 0.7050% | 2,610 |
| Noninterest expense to average assets | 2.9504% | 3,162 |
| Loan and lease loss provision to assets | 0.1738% | 2,167 |
| Net operating income to assets | 0.9250% | 2,678 |
| Return on assets (ROA) | 0.9288% | 2,805 |
| Pretax return on assets | 1.4000% | 1,930 |
| Return on Equity (ROE) | 8.3484% | 2,917 |
| Retained earnings to average equity (ytd only) | 8.3484% | 1,348 |
| Net charge-offs to loans | 0.2279% | 2,366 |
| Credit loss provision to net charge-offs | 92.0543% | 2,396 |
| Earnings coverage of net charge-offs (x) | 8.3062% | 2,418 |
| Efficiency ratio | 65.2984% | 4,669 |
| Assets per employee ($millions) | 4.3199% | 3,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1277% | 5,333 |
| Loan loss allowance to noncurrent loans | 128.9480% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 1.1690% | 3,414 |
| Noncurrent loans to loans | 0.8746% | 4,174 |
| Net loans and leases to total assets | 81.4333% | 394 |
| Net loans and leases to deposits | 99.2858% | 467 |
| Net loans and leases to core deposits | 117.4135% | 365 |
| Total domestic deposits to total assets | 82.0191% | 5,056 |
| Equity capital to assets | 11.1834% | 2,569 |
| Core capital (leverage) ratio | 10.1463% | 3,299 |
| Tier 1 risk-based capital ratio | 11.7444% | 5,958 |
| Total risk-based capital ratio | 12.8446% | 6,015 |
| Memoranda: |
| Average total assets | $546,704,000 | 1,228 |
| Average earning assets | $498,972,670 | 1,229 |
| Average equity | $60,826,330 | 1,198 |
| Average total loans | $452,789,000 | 938 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0019% | 883 |
| Cost of funding earning assets | 0.8377% | 1,322 |
| Net interest margin | 4.1642% | 1,291 |
| Noninterest income to average assets | 0.5548% | 3,403 |
| Noninterest expense to average assets | 2.9574% | 3,136 |
| Loan and lease loss provision to assets | 0.2759% | 1,277 |
| Net operating income to assets | 0.7403% | 3,471 |
| Return on assets (ROA) | 0.7403% | 3,608 |
| Pretax return on assets | 1.1148% | 2,896 |
| Return on Equity (ROE) | 6.6711% | 3,680 |
| Retained earnings to average equity (ytd only) | 6.6711% | 2,329 |
| Net charge-offs to loans | 0.4926% | 1,218 |
| Credit loss provision to net charge-offs | 67.4460% | 2,329 |
| Earnings coverage of net charge-offs (x) | 3.3993% | 2,777 |
| Efficiency ratio | 68.0149% | 4,305 |
| Assets per employee ($millions) | 4.2973% | 3,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1006% | 5,604 |
| Loan loss allowance to noncurrent loans | 130.3418% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 1.4143% | 3,152 |
| Noncurrent loans to loans | 0.8444% | 4,430 |
| Net loans and leases to total assets | 82.9091% | 242 |
| Net loans and leases to deposits | 102.3879% | 268 |
| Net loans and leases to core deposits | 113.5649% | 401 |
| Total domestic deposits to total assets | 80.9754% | 5,504 |
| Equity capital to assets | 11.2373% | 2,695 |
| Core capital (leverage) ratio | 9.9470% | 3,462 |
| Tier 1 risk-based capital ratio | 11.3720% | 6,249 |
| Total risk-based capital ratio | 12.4439% | 6,297 |
| Memoranda: |
| Average total assets | $543,579,500 | 1,243 |
| Average earning assets | $495,174,500 | 1,252 |
| Average equity | $60,320,000 | 1,219 |
| Average total loans | $451,471,500 | 945 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1703% | 1,170 |
| Cost of funding earning assets | 0.9737% | 1,501 |
| Net interest margin | 4.1966% | 1,671 |
| Noninterest income to average assets | 0.6918% | 2,761 |
| Noninterest expense to average assets | 2.8849% | 3,698 |
| Loan and lease loss provision to assets | 0.1800% | 3,375 |
| Net operating income to assets | 1.5017% | 912 |
| Return on assets (ROA) | 1.5017% | 1,003 |
| Pretax return on assets | 1.4017% | 2,034 |
| Return on Equity (ROE) | 14.1362% | 969 |
| Retained earnings to average equity (ytd only) | 14.1362% | 198 |
| Net charge-offs to loans | 0.2309% | 3,551 |
| Credit loss provision to net charge-offs | 96.6258% | 3,216 |
| Earnings coverage of net charge-offs (x) | 8.4908% | 2,401 |
| Efficiency ratio | 64.5885% | 4,778 |
| Assets per employee ($millions) | 4.5099% | 2,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1529% | 5,333 |
| Loan loss allowance to noncurrent loans | 110.4309% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 1.4477% | 3,212 |
| Noncurrent loans to loans | 1.0440% | 4,130 |
| Net loans and leases to total assets | 81.3361% | 373 |
| Net loans and leases to deposits | 98.9939% | 459 |
| Net loans and leases to core deposits | 109.1555% | 565 |
| Total domestic deposits to total assets | 82.1628% | 5,039 |
| Equity capital to assets | 10.9574% | 3,005 |
| Core capital (leverage) ratio | 9.6274% | 3,921 |
| Tier 1 risk-based capital ratio | 11.1001% | 6,313 |
| Total risk-based capital ratio | 12.2118% | 6,326 |
| Memoranda: |
| Average total assets | $525,017,800 | 1,267 |
| Average earning assets | $472,236,800 | 1,292 |
| Average equity | $55,771,600 | 1,279 |
| Average total loans | $423,491,200 | 987 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1757% | 1,243 |
| Cost of funding earning assets | 0.9892% | 1,628 |
| Net interest margin | 4.1865% | 1,774 |
| Noninterest income to average assets | 0.6897% | 2,756 |
| Noninterest expense to average assets | 2.8762% | 3,683 |
| Loan and lease loss provision to assets | 0.2039% | 3,036 |
| Net operating income to assets | 1.6869% | 699 |
| Return on assets (ROA) | 1.6869% | 783 |
| Pretax return on assets | 1.3816% | 2,295 |
| Return on Equity (ROE) | 16.0120% | 738 |
| Retained earnings to average equity (ytd only) | 16.0120% | 192 |
| Net charge-offs to loans | 0.2749% | 3,074 |
| Credit loss provision to net charge-offs | 92.4419% | 3,222 |
| Earnings coverage of net charge-offs (x) | 7.1884% | 2,643 |
| Efficiency ratio | 64.4631% | 4,722 |
| Assets per employee ($millions) | 4.5522% | 2,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1860% | 5,347 |
| Loan loss allowance to noncurrent loans | 97.2590% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 1.5978% | 3,201 |
| Noncurrent loans to loans | 1.2194% | 4,016 |
| Net loans and leases to total assets | 77.8225% | 755 |
| Net loans and leases to deposits | 94.2141% | 777 |
| Net loans and leases to core deposits | 105.5597% | 765 |
| Total domestic deposits to total assets | 82.6018% | 4,789 |
| Equity capital to assets | 10.6084% | 3,724 |
| Core capital (leverage) ratio | 9.2638% | 4,656 |
| Tier 1 risk-based capital ratio | 10.8918% | 6,518 |
| Total risk-based capital ratio | 12.0192% | 6,555 |
| Memoranda: |
| Average total assets | $519,848,250 | 1,301 |
| Average earning assets | $468,381,000 | 1,319 |
| Average equity | $54,766,000 | 1,312 |
| Average total loans | $417,107,750 | 1,006 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2426% | 1,155 |
| Cost of funding earning assets | 0.9991% | 1,769 |
| Net interest margin | 4.2436% | 1,626 |
| Noninterest income to average assets | 0.6885% | 2,726 |
| Noninterest expense to average assets | 2.9455% | 3,456 |
| Loan and lease loss provision to assets | 0.2532% | 2,549 |
| Net operating income to assets | 2.0600% | 358 |
| Return on assets (ROA) | 2.0600% | 398 |
| Pretax return on assets | 1.3279% | 2,455 |
| Return on Equity (ROE) | 19.6027% | 379 |
| Retained earnings to average equity (ytd only) | 19.6027% | 114 |
| Net charge-offs to loans | 0.3951% | 2,439 |
| Credit loss provision to net charge-offs | 79.3358% | 3,337 |
| Earnings coverage of net charge-offs (x) | 4.9545% | 2,950 |
| Efficiency ratio | 65.0711% | 4,717 |
| Assets per employee ($millions) | 4.4781% | 2,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2025% | 5,338 |
| Loan loss allowance to noncurrent loans | 94.6854% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 1.6878% | 3,192 |
| Noncurrent loans to loans | 1.2700% | 4,016 |
| Net loans and leases to total assets | 79.0655% | 610 |
| Net loans and leases to deposits | 96.4068% | 604 |
| Net loans and leases to core deposits | 109.1247% | 609 |
| Total domestic deposits to total assets | 82.0124% | 5,126 |
| Equity capital to assets | 10.8658% | 3,273 |
| Core capital (leverage) ratio | 9.5165% | 4,118 |
| Tier 1 risk-based capital ratio | 10.8939% | 6,546 |
| Total risk-based capital ratio | 12.0435% | 6,570 |
| Memoranda: |
| Average total assets | $509,525,670 | 1,329 |
| Average earning assets | $460,836,000 | 1,342 |
| Average equity | $53,543,670 | 1,333 |
| Average total loans | $411,542,330 | 1,021 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1407% | 1,460 |
| Cost of funding earning assets | 0.9959% | 2,007 |
| Net interest margin | 4.1448% | 1,954 |
| Noninterest income to average assets | 0.4810% | 4,054 |
| Noninterest expense to average assets | 2.9224% | 3,528 |
| Loan and lease loss provision to assets | 0.3942% | 1,606 |
| Net operating income to assets | 0.6370% | 4,186 |
| Return on assets (ROA) | 0.6370% | 4,398 |
| Pretax return on assets | 0.9556% | 3,846 |
| Return on Equity (ROE) | 6.1716% | 4,200 |
| Retained earnings to average equity (ytd only) | 6.1716% | 2,855 |
| Net charge-offs to loans | 0.3572% | 2,231 |
| Credit loss provision to net charge-offs | 135.9890% | 1,809 |
| Earnings coverage of net charge-offs (x) | 4.6566% | 2,532 |
| Efficiency ratio | 68.4063% | 4,094 |
| Assets per employee ($millions) | 4.4420% | 3,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2893% | 5,066 |
| Loan loss allowance to noncurrent loans | 119.8071% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 1.5704% | 3,505 |
| Noncurrent loans to loans | 1.0762% | 4,547 |
| Net loans and leases to total assets | 80.7497% | 349 |
| Net loans and leases to deposits | 98.0729% | 440 |
| Net loans and leases to core deposits | 108.9786% | 571 |
| Total domestic deposits to total assets | 82.3365% | 5,180 |
| Equity capital to assets | 10.3459% | 3,677 |
| Core capital (leverage) ratio | 9.2286% | 4,469 |
| Tier 1 risk-based capital ratio | 10.7173% | 6,661 |
| Total risk-based capital ratio | 11.9660% | 6,647 |
| Memoranda: |
| Average total assets | $502,319,000 | 1,347 |
| Average earning assets | $459,467,000 | 1,349 |
| Average equity | $51,850,500 | 1,367 |
| Average total loans | $407,665,000 | 1,029 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3112% | 1,667 |
| Cost of funding earning assets | 1.1842% | 2,137 |
| Net interest margin | 4.1269% | 2,323 |
| Noninterest income to average assets | 0.5188% | 3,727 |
| Noninterest expense to average assets | 2.8849% | 4,022 |
| Loan and lease loss provision to assets | 0.4672% | 2,267 |
| Net operating income to assets | 0.5397% | 4,275 |
| Return on assets (ROA) | 0.5396% | 4,467 |
| Pretax return on assets | 0.8061% | 3,962 |
| Return on Equity (ROE) | 5.2867% | 4,259 |
| Retained earnings to average equity (ytd only) | 5.2867% | 2,463 |
| Net charge-offs to loans | 0.9416% | 1,845 |
| Credit loss provision to net charge-offs | 62.8072% | 5,096 |
| Earnings coverage of net charge-offs (x) | 1.7119% | 4,496 |
| Efficiency ratio | 69.3747% | 4,075 |
| Assets per employee ($millions) | 4.2953% | 3,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2990% | 4,907 |
| Loan loss allowance to noncurrent loans | 94.8998% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 1.7365% | 3,346 |
| Noncurrent loans to loans | 1.3688% | 4,091 |
| Net loans and leases to total assets | 79.4525% | 548 |
| Net loans and leases to deposits | 96.5488% | 651 |
| Net loans and leases to core deposits | 107.4710% | 732 |
| Total domestic deposits to total assets | 82.2926% | 5,029 |
| Equity capital to assets | 10.2981% | 3,788 |
| Core capital (leverage) ratio | 9.2407% | 4,405 |
| Tier 1 risk-based capital ratio | 10.6507% | 6,625 |
| Total risk-based capital ratio | 11.9008% | 6,598 |
| Memoranda: |
| Average total assets | $492,259,600 | 1,357 |
| Average earning assets | $434,123,600 | 1,398 |
| Average equity | $50,239,200 | 1,356 |
| Average total loans | $388,932,000 | 1,099 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2876% | 1,909 |
| Cost of funding earning assets | 1.2411% | 2,056 |
| Net interest margin | 4.0466% | 2,706 |
| Noninterest income to average assets | 0.6083% | 3,119 |
| Noninterest expense to average assets | 2.8806% | 4,010 |
| Loan and lease loss provision to assets | 0.2717% | 3,331 |
| Net operating income to assets | 0.6626% | 3,807 |
| Return on assets (ROA) | 0.6626% | 3,983 |
| Pretax return on assets | 0.9922% | 3,431 |
| Return on Equity (ROE) | 6.5076% | 3,763 |
| Retained earnings to average equity (ytd only) | 6.5076% | 2,239 |
| Net charge-offs to loans | 0.6133% | 2,413 |
| Credit loss provision to net charge-offs | 56.3380% | 4,888 |
| Earnings coverage of net charge-offs (x) | 2.6208% | 3,807 |
| Efficiency ratio | 69.5051% | 4,037 |
| Assets per employee ($millions) | 4.3736% | 3,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4798% | 4,203 |
| Loan loss allowance to noncurrent loans | 97.3631% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 2.2395% | 2,848 |
| Noncurrent loans to loans | 1.5199% | 4,000 |
| Net loans and leases to total assets | 77.4066% | 783 |
| Net loans and leases to deposits | 94.0100% | 837 |
| Net loans and leases to core deposits | 105.3257% | 900 |
| Total domestic deposits to total assets | 82.3387% | 4,960 |
| Equity capital to assets | 10.2785% | 3,986 |
| Core capital (leverage) ratio | 8.7932% | 5,279 |
| Tier 1 risk-based capital ratio | 10.5314% | 6,766 |
| Total risk-based capital ratio | 11.7834% | 6,751 |
| Memoranda: |
| Average total assets | $490,760,750 | 1,364 |
| Average earning assets | $428,863,500 | 1,419 |
| Average equity | $49,971,250 | 1,367 |
| Average total loans | $385,893,500 | 1,120 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1801% | 2,344 |
| Cost of funding earning assets | 1.2858% | 2,030 |
| Net interest margin | 3.8943% | 3,340 |
| Noninterest income to average assets | 0.6109% | 3,067 |
| Noninterest expense to average assets | 2.8893% | 4,064 |
| Loan and lease loss provision to assets | 0.2458% | 3,445 |
| Net operating income to assets | 0.5896% | 4,110 |
| Return on assets (ROA) | 0.5896% | 4,243 |
| Pretax return on assets | 0.8809% | 3,706 |
| Return on Equity (ROE) | 5.8088% | 4,057 |
| Retained earnings to average equity (ytd only) | 5.8088% | 2,536 |
| Net charge-offs to loans | 0.5516% | 2,449 |
| Credit loss provision to net charge-offs | 56.6572% | 4,426 |
| Earnings coverage of net charge-offs (x) | 2.5968% | 3,529 |
| Efficiency ratio | 71.9445% | 3,743 |
| Assets per employee ($millions) | 4.3591% | 3,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5490% | 3,908 |
| Loan loss allowance to noncurrent loans | 86.0501% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 2.4179% | 2,740 |
| Noncurrent loans to loans | 1.8001% | 3,755 |
| Net loans and leases to total assets | 78.8775% | 664 |
| Net loans and leases to deposits | 95.8373% | 738 |
| Net loans and leases to core deposits | 111.2972% | 680 |
| Total domestic deposits to total assets | 82.3035% | 5,059 |
| Equity capital to assets | 10.2152% | 3,864 |
| Core capital (leverage) ratio | 8.5101% | 5,540 |
| Tier 1 risk-based capital ratio | 10.2103% | 6,911 |
| Total risk-based capital ratio | 11.4634% | 6,896 |
| Memoranda: |
| Average total assets | $488,150,000 | 1,379 |
| Average earning assets | $426,826,000 | 1,432 |
| Average equity | $49,545,670 | 1,363 |
| Average total loans | $383,944,330 | 1,143 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2251% | 2,139 |
| Cost of funding earning assets | 1.2923% | 2,228 |
| Net interest margin | 3.9329% | 2,987 |
| Noninterest income to average assets | 0.0922% | 6,961 |
| Noninterest expense to average assets | 2.8514% | 4,262 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4354% | 4,779 |
| Return on assets (ROA) | 0.4354% | 4,861 |
| Pretax return on assets | 0.6454% | 4,510 |
| Return on Equity (ROE) | 4.3044% | 4,744 |
| Retained earnings to average equity (ytd only) | 4.3044% | 3,589 |
| Net charge-offs to loans | 0.4533% | 2,336 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.8275% | 3,391 |
| Efficiency ratio | 81.5443% | 2,290 |
| Assets per employee ($millions) | 4.5644% | 2,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6410% | 3,569 |
| Loan loss allowance to noncurrent loans | 62.3086% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 3.0307% | 2,279 |
| Noncurrent loans to loans | 2.6336% | 2,866 |
| Net loans and leases to total assets | 74.6944% | 1,237 |
| Net loans and leases to deposits | 90.5181% | 1,179 |
| Net loans and leases to core deposits | 109.0859% | 781 |
| Total domestic deposits to total assets | 82.5188% | 5,102 |
| Equity capital to assets | 10.0167% | 3,753 |
| Core capital (leverage) ratio | 8.5413% | 5,366 |
| Tier 1 risk-based capital ratio | 10.2856% | 6,903 |
| Total risk-based capital ratio | 11.5396% | 6,894 |
| Memoranda: |
| Average total assets | $485,935,500 | 1,387 |
| Average earning assets | $420,660,500 | 1,459 |
| Average equity | $49,159,500 | 1,356 |
| Average total loans | $378,593,000 | 1,167 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2461% | 3,382 |
| Cost of funding earning assets | 1.4847% | 2,735 |
| Net interest margin | 3.7614% | 4,103 |
| Noninterest income to average assets | -0.0286% | 7,333 |
| Noninterest expense to average assets | 2.6734% | 5,111 |
| Loan and lease loss provision to assets | 1.3016% | 1,180 |
| Net operating income to assets | -0.0109% | 5,854 |
| Return on assets (ROA) | 0.0166% | 5,920 |
| Pretax return on assets | -0.6843% | 6,449 |
| Return on Equity (ROE) | 0.1662% | 5,918 |
| Retained earnings to average equity (ytd only) | 0.1662% | 5,494 |
| Net charge-offs to loans | 1.3375% | 1,670 |
| Credit loss provision to net charge-offs | 127.1518% | 3,174 |
| Earnings coverage of net charge-offs (x) | 0.5610% | 5,549 |
| Efficiency ratio | 82.3159% | 2,123 |
| Assets per employee ($millions) | 4.3537% | 3,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7167% | 3,149 |
| Loan loss allowance to noncurrent loans | 110.9948% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 2.3977% | 2,870 |
| Noncurrent loans to loans | 1.5466% | 4,177 |
| Net loans and leases to total assets | 78.5652% | 867 |
| Net loans and leases to deposits | 95.7270% | 895 |
| Net loans and leases to core deposits | 120.1162% | 527 |
| Total domestic deposits to total assets | 82.0721% | 5,164 |
| Equity capital to assets | 10.2192% | 3,477 |
| Core capital (leverage) ratio | 8.0858% | 6,051 |
| Tier 1 risk-based capital ratio | 9.9221% | 7,015 |
| Total risk-based capital ratio | 11.1775% | 7,001 |
| Memoranda: |
| Average total assets | $499,369,200 | 1,346 |
| Average earning assets | $434,969,800 | 1,397 |
| Average equity | $49,939,600 | 1,341 |
| Average total loans | $382,192,000 | 1,188 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1889% | 3,889 |
| Cost of funding earning assets | 1.5083% | 2,926 |
| Net interest margin | 3.6805% | 4,504 |
| Noninterest income to average assets | 0.4807% | 4,328 |
| Noninterest expense to average assets | 3.1932% | 2,950 |
| Loan and lease loss provision to assets | 1.2422% | 1,139 |
| Net operating income to assets | 0.4354% | 4,605 |
| Return on assets (ROA) | 0.4718% | 4,632 |
| Pretax return on assets | -0.7022% | 6,681 |
| Return on Equity (ROE) | 4.7419% | 4,429 |
| Retained earnings to average equity (ytd only) | 4.7419% | 3,166 |
| Net charge-offs to loans | 1.5663% | 1,273 |
| Credit loss provision to net charge-offs | 104.7237% | 4,093 |
| Earnings coverage of net charge-offs (x) | 0.4073% | 5,615 |
| Efficiency ratio | 86.8584% | 1,544 |
| Assets per employee ($millions) | 4.6208% | 2,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4108% | 4,400 |
| Loan loss allowance to noncurrent loans | 121.3402% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 2.0449% | 3,412 |
| Noncurrent loans to loans | 1.1627% | 4,924 |
| Net loans and leases to total assets | 75.5581% | 1,484 |
| Net loans and leases to deposits | 91.7220% | 1,485 |
| Net loans and leases to core deposits | 121.9035% | 558 |
| Total domestic deposits to total assets | 82.3773% | 4,848 |
| Equity capital to assets | 10.1617% | 3,929 |
| Core capital (leverage) ratio | 8.1022% | 6,194 |
| Tier 1 risk-based capital ratio | 10.3015% | 6,893 |
| Total risk-based capital ratio | 11.5530% | 6,883 |
| Memoranda: |
| Average total assets | $504,483,500 | 1,337 |
| Average earning assets | $438,004,500 | 1,405 |
| Average equity | $50,189,250 | 1,338 |
| Average total loans | $382,032,500 | 1,199 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1408% | 4,243 |
| Cost of funding earning assets | 1.5027% | 3,243 |
| Net interest margin | 3.6381% | 4,640 |
| Noninterest income to average assets | 0.4594% | 4,439 |
| Noninterest expense to average assets | 3.4111% | 2,233 |
| Loan and lease loss provision to assets | 1.4616% | 912 |
| Net operating income to assets | 0.5781% | 3,963 |
| Return on assets (ROA) | 0.6324% | 3,862 |
| Pretax return on assets | -1.1551% | 6,955 |
| Return on Equity (ROE) | 6.4021% | 3,593 |
| Retained earnings to average equity (ytd only) | 6.4021% | 2,117 |
| Net charge-offs to loans | 1.3376% | 1,417 |
| Credit loss provision to net charge-offs | 144.8708% | 2,745 |
| Earnings coverage of net charge-offs (x) | 0.2197% | 5,507 |
| Efficiency ratio | 93.8995% | 1,072 |
| Assets per employee ($millions) | 4.7700% | 2,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6460% | 3,267 |
| Loan loss allowance to noncurrent loans | 62.2174% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 3.1646% | 2,237 |
| Noncurrent loans to loans | 2.6455% | 2,993 |
| Net loans and leases to total assets | 75.5211% | 1,588 |
| Net loans and leases to deposits | 91.4289% | 1,627 |
| Net loans and leases to core deposits | 128.2051% | 458 |
| Total domestic deposits to total assets | 82.6009% | 4,736 |
| Equity capital to assets | 9.9278% | 4,102 |
| Core capital (leverage) ratio | 7.9825% | 6,291 |
| Tier 1 risk-based capital ratio | 9.9081% | 7,074 |
| Total risk-based capital ratio | 11.1623% | 7,049 |
| Memoranda: |
| Average total assets | $506,295,000 | 1,343 |
| Average earning assets | $441,601,330 | 1,404 |
| Average equity | $50,015,000 | 1,337 |
| Average total loans | $381,887,330 | 1,208 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0557% | 4,755 |
| Cost of funding earning assets | 1.4817% | 3,682 |
| Net interest margin | 3.5740% | 4,839 |
| Noninterest income to average assets | 0.4511% | 4,456 |
| Noninterest expense to average assets | 2.7252% | 4,785 |
| Loan and lease loss provision to assets | 0.7072% | 1,798 |
| Net operating income to assets | 2.8188% | 107 |
| Return on assets (ROA) | 2.9877% | 101 |
| Pretax return on assets | 0.3434% | 5,482 |
| Return on Equity (ROE) | 30.3184% | 88 |
| Retained earnings to average equity (ytd only) | 30.3184% | 65 |
| Net charge-offs to loans | 1.4590% | 1,184 |
| Credit loss provision to net charge-offs | 64.8415% | 4,209 |
| Earnings coverage of net charge-offs (x) | 0.8084% | 4,320 |
| Efficiency ratio | 75.5556% | 3,296 |
| Assets per employee ($millions) | 4.8789% | 2,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2455% | 5,250 |
| Loan loss allowance to noncurrent loans | 52.0217% | 4,850 |
| Noncurrent assets plus other real estate owned to assets | 3.3332% | 2,138 |
| Noncurrent loans to loans | 2.3941% | 3,280 |
| Net loans and leases to total assets | 74.0961% | 1,953 |
| Net loans and leases to deposits | 90.0727% | 1,888 |
| Net loans and leases to core deposits | 142.4147% | 302 |
| Total domestic deposits to total assets | 82.2625% | 4,951 |
| Equity capital to assets | 10.3444% | 3,417 |
| Core capital (leverage) ratio | 8.4306% | 5,499 |
| Tier 1 risk-based capital ratio | 10.6664% | 6,477 |
| Total risk-based capital ratio | 11.8605% | 6,524 |
| Memoranda: |
| Average total assets | $509,018,500 | 1,359 |
| Average earning assets | $449,469,000 | 1,410 |
| Average equity | $50,161,000 | 1,331 |
| Average total loans | $380,543,000 | 1,246 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3570% | 4,911 |
| Cost of funding earning assets | 1.6788% | 4,619 |
| Net interest margin | 3.6783% | 4,227 |
| Noninterest income to average assets | 0.6684% | 3,166 |
| Noninterest expense to average assets | 2.6644% | 5,536 |
| Loan and lease loss provision to assets | 0.7537% | 2,853 |
| Net operating income to assets | 0.3823% | 4,195 |
| Return on assets (ROA) | 0.5861% | 3,458 |
| Pretax return on assets | 0.8627% | 3,039 |
| Return on Equity (ROE) | 6.3259% | 3,064 |
| Retained earnings to average equity (ytd only) | 6.3259% | 1,215 |
| Net charge-offs to loans | 0.7312% | 3,001 |
| Credit loss provision to net charge-offs | 134.4477% | 3,700 |
| Earnings coverage of net charge-offs (x) | 2.3488% | 3,968 |
| Efficiency ratio | 66.6888% | 5,252 |
| Assets per employee ($millions) | 5.1552% | 2,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3499% | 4,478 |
| Loan loss allowance to noncurrent loans | 36.0827% | 6,028 |
| Noncurrent assets plus other real estate owned to assets | 3.9064% | 1,698 |
| Noncurrent loans to loans | 3.7410% | 2,006 |
| Net loans and leases to total assets | 73.4910% | 2,384 |
| Net loans and leases to deposits | 88.1424% | 2,536 |
| Net loans and leases to core deposits | 96.2360% | 4,442 |
| Total domestic deposits to total assets | 83.3776% | 4,345 |
| Equity capital to assets | 9.3768% | 4,595 |
| Core capital (leverage) ratio | 8.3800% | 5,473 |
| Tier 1 risk-based capital ratio | 10.2383% | 6,648 |
| Total risk-based capital ratio | 11.4887% | 6,613 |
| Memoranda: |
| Average total assets | $490,879,400 | 1,410 |
| Average earning assets | $442,112,000 | 1,424 |
| Average equity | $45,480,000 | 1,478 |
| Average total loans | $376,368,800 | 1,278 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3122% | 5,362 |
| Cost of funding earning assets | 1.7203% | 4,800 |
| Net interest margin | 3.5920% | 4,508 |
| Noninterest income to average assets | 0.7088% | 2,960 |
| Noninterest expense to average assets | 2.6338% | 5,582 |
| Loan and lease loss provision to assets | 0.3851% | 4,015 |
| Net operating income to assets | 0.6390% | 3,454 |
| Return on assets (ROA) | 0.7595% | 3,053 |
| Pretax return on assets | 1.1231% | 2,494 |
| Return on Equity (ROE) | 8.2234% | 2,547 |
| Retained earnings to average equity (ytd only) | 8.2234% | 1,072 |
| Net charge-offs to loans | 0.5683% | 2,979 |
| Credit loss provision to net charge-offs | 87.7193% | 5,546 |
| Earnings coverage of net charge-offs (x) | 3.0320% | 3,713 |
| Efficiency ratio | 66.1093% | 5,338 |
| Assets per employee ($millions) | 5.2921% | 1,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0523% | 5,994 |
| Loan loss allowance to noncurrent loans | 37.6199% | 5,866 |
| Noncurrent assets plus other real estate owned to assets | 3.2005% | 2,117 |
| Noncurrent loans to loans | 2.7973% | 2,717 |
| Net loans and leases to total assets | 73.9996% | 2,517 |
| Net loans and leases to deposits | 88.9108% | 2,803 |
| Net loans and leases to core deposits | 94.3612% | 4,985 |
| Total domestic deposits to total assets | 83.2290% | 4,098 |
| Equity capital to assets | 9.4611% | 4,799 |
| Core capital (leverage) ratio | 8.3210% | 5,803 |
| Tier 1 risk-based capital ratio | 10.4026% | 6,568 |
| Total risk-based capital ratio | 11.4001% | 6,771 |
| Memoranda: |
| Average total assets | $484,720,500 | 1,438 |
| Average earning assets | $439,378,000 | 1,449 |
| Average equity | $44,765,250 | 1,519 |
| Average total loans | $374,450,750 | 1,299 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2838% | 5,730 |
| Cost of funding earning assets | 1.7975% | 4,775 |
| Net interest margin | 3.4863% | 4,861 |
| Noninterest income to average assets | 0.3477% | 5,721 |
| Noninterest expense to average assets | 2.6853% | 5,441 |
| Loan and lease loss provision to assets | 0.2946% | 4,207 |
| Net operating income to assets | 0.3771% | 4,594 |
| Return on assets (ROA) | 0.3771% | 4,697 |
| Pretax return on assets | 0.5392% | 4,498 |
| Return on Equity (ROE) | 4.1197% | 4,447 |
| Retained earnings to average equity (ytd only) | 4.1197% | 2,997 |
| Net charge-offs to loans | 0.4622% | 2,979 |
| Credit loss provision to net charge-offs | 81.5851% | 5,151 |
| Earnings coverage of net charge-offs (x) | 2.3089% | 3,913 |
| Efficiency ratio | 75.8402% | 3,720 |
| Assets per employee ($millions) | 4.9671% | 2,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0969% | 5,627 |
| Loan loss allowance to noncurrent loans | 43.5405% | 5,461 |
| Noncurrent assets plus other real estate owned to assets | 2.8002% | 2,299 |
| Noncurrent loans to loans | 2.5192% | 2,872 |
| Net loans and leases to total assets | 72.5777% | 3,069 |
| Net loans and leases to deposits | 87.1006% | 3,338 |
| Net loans and leases to core deposits | 92.6399% | 5,279 |
| Total domestic deposits to total assets | 83.3263% | 4,099 |
| Equity capital to assets | 9.1733% | 5,059 |
| Core capital (leverage) ratio | 8.1155% | 6,131 |
| Tier 1 risk-based capital ratio | 10.0287% | 6,885 |
| Total risk-based capital ratio | 11.0704% | 7,054 |
| Memoranda: |
| Average total assets | $475,182,670 | 1,498 |
| Average earning assets | $432,260,670 | 1,495 |
| Average equity | $43,498,000 | 1,564 |
| Average total loans | $371,299,330 | 1,334 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3293% | 5,759 |
| Cost of funding earning assets | 1.9759% | 4,256 |
| Net interest margin | 3.3534% | 5,311 |
| Noninterest income to average assets | 0.3361% | 5,766 |
| Noninterest expense to average assets | 2.6867% | 5,070 |
| Loan and lease loss provision to assets | 0.4788% | 2,560 |
| Net operating income to assets | 0.1602% | 5,786 |
| Return on assets (ROA) | 0.1602% | 5,954 |
| Pretax return on assets | 0.2098% | 5,912 |
| Return on Equity (ROE) | 1.7520% | 5,858 |
| Retained earnings to average equity (ytd only) | 1.7520% | 4,877 |
| Net charge-offs to loans | 0.0367% | 4,999 |
| Credit loss provision to net charge-offs | 1,617.6471% | 383 |
| Earnings coverage of net charge-offs (x) | 23.2647% | 1,283 |
| Efficiency ratio | 79.0818% | 2,986 |
| Assets per employee ($millions) | 4.6228% | 2,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2819% | 4,181 |
| Loan loss allowance to noncurrent loans | 37.4232% | 6,058 |
| Noncurrent assets plus other real estate owned to assets | 3.1298% | 1,792 |
| Noncurrent loans to loans | 3.4254% | 1,865 |
| Net loans and leases to total assets | 78.3774% | 1,724 |
| Net loans and leases to deposits | 94.5511% | 2,181 |
| Net loans and leases to core deposits | 101.6291% | 4,385 |
| Total domestic deposits to total assets | 82.8942% | 4,195 |
| Equity capital to assets | 9.0390% | 5,310 |
| Core capital (leverage) ratio | 7.9556% | 6,536 |
| Tier 1 risk-based capital ratio | 9.4072% | 7,506 |
| Total risk-based capital ratio | 10.6572% | 7,459 |
| Memoranda: |
| Average total assets | $459,453,000 | 1,553 |
| Average earning assets | $416,417,500 | 1,562 |
| Average equity | $42,009,000 | 1,623 |
| Average total loans | $371,055,500 | 1,360 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1926% | 4,557 |
| Cost of funding earning assets | 2.9397% | 2,099 |
| Net interest margin | 3.2529% | 6,202 |
| Noninterest income to average assets | 0.2817% | 6,449 |
| Noninterest expense to average assets | 2.8202% | 4,739 |
| Loan and lease loss provision to assets | 0.5333% | 2,685 |
| Net operating income to assets | -0.0276% | 6,409 |
| Return on assets (ROA) | -0.0181% | 6,257 |
| Pretax return on assets | -0.0686% | 6,233 |
| Return on Equity (ROE) | -0.1894% | 6,260 |
| Retained earnings to average equity (ytd only) | -0.1894% | 5,337 |
| Net charge-offs to loans | 0.5965% | 2,041 |
| Credit loss provision to net charge-offs | 106.4322% | 5,038 |
| Earnings coverage of net charge-offs (x) | 0.8977% | 5,686 |
| Efficiency ratio | 85.6910% | 1,888 |
| Assets per employee ($millions) | 4.5201% | 2,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1405% | 4,988 |
| Loan loss allowance to noncurrent loans | 66.6457% | 4,686 |
| Noncurrent assets plus other real estate owned to assets | 1.5551% | 3,116 |
| Noncurrent loans to loans | 1.7113% | 3,200 |
| Net loans and leases to total assets | 81.2332% | 1,378 |
| Net loans and leases to deposits | 98.5737% | 2,040 |
| Net loans and leases to core deposits | 104.9206% | 4,310 |
| Total domestic deposits to total assets | 82.4086% | 4,040 |
| Equity capital to assets | 9.2510% | 5,001 |
| Core capital (leverage) ratio | 8.0934% | 6,334 |
| Tier 1 risk-based capital ratio | 9.3219% | 7,498 |
| Total risk-based capital ratio | 10.4439% | 7,577 |
| Memoranda: |
| Average total assets | $431,277,000 | 1,585 |
| Average earning assets | $396,199,200 | 1,573 |
| Average equity | $41,192,600 | 1,624 |
| Average total loans | $362,288,800 | 1,338 |
