| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.2920% | 182 |
| Cost of funding earning assets | 2.8161% | 203 |
| Net interest margin | 4.4759% | 639 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 2.4989% | 2,300 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.3818% | 1,248 |
| Return on assets (ROA) | 1.3818% | 1,221 |
| Pretax return on assets | 1.9559% | 715 |
| Return on Equity (ROE) | 11.1900% | 2,174 |
| Retained earnings to average equity (ytd only) | 11.1914% | 753 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 55.3023% | 3,568 |
| Assets per employee ($millions) | 8.7924% | 1,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2266% | 2,132 |
| Loan loss allowance to noncurrent loans | 247.9200% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.3759% | 1,466 |
| Noncurrent loans to loans | 0.4948% | 1,549 |
| Net loans and leases to total assets | 75.0500% | 1,236 |
| Net loans and leases to deposits | 88.7775% | 1,364 |
| Net loans and leases to core deposits | 147.6954% | 220 |
| Total domestic deposits to total assets | 84.5400% | 2,456 |
| Equity capital to assets | 12.5601% | 974 |
| Core capital (leverage) ratio | 12.9514% | 1,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $471,844,000 | 1,791 |
| Average earning assets | $445,297,000 | 1,764 |
| Average equity | $58,258,800 | 1,421 |
| Average total loans | $355,687,800 | 1,593 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1769% | 174 |
| Cost of funding earning assets | 2.6527% | 211 |
| Net interest margin | 4.5242% | 595 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.5760% | 2,015 |
| Loan and lease loss provision to assets | -0.1000% | 4,540 |
| Net operating income to assets | 1.4813% | 1,159 |
| Return on assets (ROA) | 1.4813% | 1,140 |
| Pretax return on assets | 2.0963% | 662 |
| Return on Equity (ROE) | 12.0500% | 2,113 |
| Retained earnings to average equity (ytd only) | 12.0517% | 962 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 56.3105% | 3,376 |
| Assets per employee ($millions) | 8.7181% | 1,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1638% | 2,553 |
| Loan loss allowance to noncurrent loans | 209.0639% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.4289% | 1,357 |
| Noncurrent loans to loans | 0.5566% | 1,438 |
| Net loans and leases to total assets | 76.1500% | 1,103 |
| Net loans and leases to deposits | 90.7837% | 1,167 |
| Net loans and leases to core deposits | 148.5831% | 156 |
| Total domestic deposits to total assets | 83.8800% | 2,807 |
| Equity capital to assets | 12.7378% | 864 |
| Core capital (leverage) ratio | 13.4387% | 962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $466,711,000 | 1,803 |
| Average earning assets | $439,643,000 | 1,776 |
| Average equity | $57,362,750 | 1,425 |
| Average total loans | $351,079,750 | 1,608 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1242% | 165 |
| Cost of funding earning assets | 2.5293% | 183 |
| Net interest margin | 4.5949% | 531 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 2.6066% | 1,914 |
| Loan and lease loss provision to assets | -0.1600% | 4,598 |
| Net operating income to assets | 1.4909% | 1,118 |
| Return on assets (ROA) | 1.4909% | 1,115 |
| Pretax return on assets | 2.1081% | 616 |
| Return on Equity (ROE) | 12.2800% | 2,071 |
| Retained earnings to average equity (ytd only) | 12.2808% | 936 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.1846% | 3,280 |
| Assets per employee ($millions) | 8.4109% | 1,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1780% | 2,553 |
| Loan loss allowance to noncurrent loans | 228.0389% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.4075% | 1,307 |
| Noncurrent loans to loans | 0.5166% | 1,428 |
| Net loans and leases to total assets | 77.9700% | 837 |
| Net loans and leases to deposits | 92.9869% | 955 |
| Net loans and leases to core deposits | 153.7561% | 127 |
| Total domestic deposits to total assets | 83.8500% | 2,856 |
| Equity capital to assets | 12.8463% | 849 |
| Core capital (leverage) ratio | 12.9360% | 1,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $465,355,000 | 1,810 |
| Average earning assets | $437,271,000 | 1,791 |
| Average equity | $56,494,667 | 1,445 |
| Average total loans | $347,204,333 | 1,609 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.0064% | 119 |
| Cost of funding earning assets | 2.3535% | 130 |
| Net interest margin | 4.6528% | 479 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 2.6194% | 1,900 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3403% | 1,567 |
| Return on assets (ROA) | 1.3403% | 1,539 |
| Pretax return on assets | 1.8941% | 916 |
| Return on Equity (ROE) | 11.3600% | 2,386 |
| Retained earnings to average equity (ytd only) | 11.3589% | 1,385 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.0354% | 3,192 |
| Assets per employee ($millions) | 8.5270% | 1,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2187% | 2,462 |
| Loan loss allowance to noncurrent loans | 228.0389% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 0.3947% | 1,309 |
| Noncurrent loans to loans | 0.5344% | 1,385 |
| Net loans and leases to total assets | 72.9500% | 1,322 |
| Net loans and leases to deposits | 85.9657% | 1,352 |
| Net loans and leases to core deposits | 138.8698% | 193 |
| Total domestic deposits to total assets | 84.8600% | 2,892 |
| Equity capital to assets | 12.0596% | 980 |
| Core capital (leverage) ratio | 12.1568% | 1,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $470,939,500 | 1,815 |
| Average earning assets | $442,227,000 | 1,797 |
| Average equity | $55,569,000 | 1,476 |
| Average total loans | $341,642,000 | 1,647 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9355% | 340 |
| Cost of funding earning assets | 0.8413% | 339 |
| Net interest margin | 4.0942% | 667 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.4331% | 2,329 |
| Loan and lease loss provision to assets | -0.0200% | 4,323 |
| Net operating income to assets | 1.3678% | 1,217 |
| Return on assets (ROA) | 1.3678% | 1,175 |
| Pretax return on assets | 1.9064% | 575 |
| Return on Equity (ROE) | 11.7600% | 2,225 |
| Retained earnings to average equity (ytd only) | 11.7556% | 722 |
| Net charge-offs to loans | -0.0094% | 3,808 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.3754% | 3,543 |
| Assets per employee ($millions) | 9.4676% | 792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5009% | 1,194 |
| Loan loss allowance to noncurrent loans | 82.6172% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 1.2930% | 277 |
| Noncurrent loans to loans | 1.8166% | 326 |
| Net loans and leases to total assets | 70.1100% | 1,632 |
| Net loans and leases to deposits | 83.5189% | 1,500 |
| Net loans and leases to core deposits | 140.7999% | 140 |
| Total domestic deposits to total assets | 83.9400% | 3,222 |
| Equity capital to assets | 11.5299% | 1,074 |
| Core capital (leverage) ratio | 12.4362% | 1,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $444,657,200 | 1,867 |
| Average earning assets | $422,426,000 | 1,839 |
| Average equity | $51,737,000 | 1,571 |
| Average total loans | $339,072,800 | 1,580 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4822% | 511 |
| Cost of funding earning assets | 0.5428% | 599 |
| Net interest margin | 3.9394% | 722 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 2.3507% | 2,472 |
| Loan and lease loss provision to assets | -0.0300% | 4,434 |
| Net operating income to assets | 1.2547% | 1,509 |
| Return on assets (ROA) | 1.2547% | 1,478 |
| Pretax return on assets | 1.7442% | 820 |
| Return on Equity (ROE) | 10.7600% | 2,481 |
| Retained earnings to average equity (ytd only) | 10.7576% | 1,119 |
| Net charge-offs to loans | -0.0126% | 3,804 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.8576% | 3,396 |
| Assets per employee ($millions) | 9.1763% | 834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4812% | 1,346 |
| Loan loss allowance to noncurrent loans | 82.9016% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 1.4144% | 252 |
| Noncurrent loans to loans | 1.7867% | 360 |
| Net loans and leases to total assets | 77.9900% | 706 |
| Net loans and leases to deposits | 92.7833% | 715 |
| Net loans and leases to core deposits | 152.6557% | 61 |
| Total domestic deposits to total assets | 84.0600% | 3,493 |
| Equity capital to assets | 12.1791% | 850 |
| Core capital (leverage) ratio | 12.6417% | 1,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $437,476,750 | 1,906 |
| Average earning assets | $416,804,750 | 1,865 |
| Average equity | $51,026,250 | 1,622 |
| Average total loans | $339,605,500 | 1,567 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1682% | 681 |
| Cost of funding earning assets | 0.4231% | 789 |
| Net interest margin | 3.7451% | 844 |
| Noninterest income to average assets | 0.3008% | 3,356 |
| Noninterest expense to average assets | 2.3579% | 2,376 |
| Loan and lease loss provision to assets | -0.0478% | 4,511 |
| Net operating income to assets | 1.1289% | 1,669 |
| Return on assets (ROA) | 1.1289% | 1,646 |
| Pretax return on assets | 1.5630% | 1,024 |
| Return on Equity (ROE) | 9.8207% | 2,396 |
| Retained earnings to average equity (ytd only) | 9.8207% | 1,065 |
| Net charge-offs to loans | -0.0189% | 3,842 |
| Credit loss provision to net charge-offs | 328.1250% | 770 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8788% | 3,194 |
| Assets per employee ($millions) | 8.3179% | 1,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4964% | 1,416 |
| Loan loss allowance to noncurrent loans | 209.0533% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 0.5816% | 966 |
| Noncurrent loans to loans | 0.7158% | 1,207 |
| Net loans and leases to total assets | 80.0433% | 401 |
| Net loans and leases to deposits | 95.4844% | 453 |
| Net loans and leases to core deposits | 151.4313% | 51 |
| Total domestic deposits to total assets | 83.8286% | 3,716 |
| Equity capital to assets | 12.3707% | 784 |
| Core capital (leverage) ratio | 12.1169% | 1,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $439,540,000 | 1,905 |
| Average earning assets | $419,270,667 | 1,881 |
| Average equity | $50,526,000 | 1,669 |
| Average total loans | $339,001,667 | 1,569 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8436% | 1,009 |
| Cost of funding earning assets | 0.4202% | 773 |
| Net interest margin | 3.4234% | 1,250 |
| Noninterest income to average assets | 0.1932% | 4,003 |
| Noninterest expense to average assets | 2.2191% | 2,785 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9181% | 2,211 |
| Return on assets (ROA) | 0.9181% | 2,207 |
| Pretax return on assets | 1.2451% | 1,671 |
| Return on Equity (ROE) | 8.2773% | 2,590 |
| Retained earnings to average equity (ytd only) | 8.2773% | 1,493 |
| Net charge-offs to loans | -0.0377% | 4,171 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0573% | 3,020 |
| Assets per employee ($millions) | 8.9322% | 944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4868% | 1,590 |
| Loan loss allowance to noncurrent loans | 278.8763% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.4145% | 1,463 |
| Noncurrent loans to loans | 0.5331% | 1,701 |
| Net loans and leases to total assets | 76.5835% | 467 |
| Net loans and leases to deposits | 89.8023% | 521 |
| Net loans and leases to core deposits | 142.6440% | 54 |
| Total domestic deposits to total assets | 85.2802% | 3,474 |
| Equity capital to assets | 11.2651% | 1,212 |
| Core capital (leverage) ratio | 11.3704% | 1,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $451,362,500 | 1,880 |
| Average earning assets | $431,262,500 | 1,853 |
| Average equity | $50,064,500 | 1,742 |
| Average total loans | $339,526,000 | 1,556 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7409% | 2,002 |
| Cost of funding earning assets | 0.5000% | 930 |
| Net interest margin | 3.2408% | 2,481 |
| Noninterest income to average assets | 0.6650% | 1,885 |
| Noninterest expense to average assets | 2.1632% | 3,194 |
| Loan and lease loss provision to assets | -0.0432% | 4,320 |
| Net operating income to assets | 1.2689% | 1,692 |
| Return on assets (ROA) | 1.2707% | 1,745 |
| Pretax return on assets | 1.6384% | 1,317 |
| Return on Equity (ROE) | 11.8054% | 1,877 |
| Retained earnings to average equity (ytd only) | 11.8054% | 556 |
| Net charge-offs to loans | -0.0186% | 3,946 |
| Credit loss provision to net charge-offs | 293.7500% | 1,077 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5915% | 3,507 |
| Assets per employee ($millions) | 9.7046% | 726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5458% | 1,407 |
| Loan loss allowance to noncurrent loans | 277.1475% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.4058% | 1,612 |
| Noncurrent loans to loans | 0.5578% | 1,731 |
| Net loans and leases to total assets | 71.6333% | 864 |
| Net loans and leases to deposits | 85.2807% | 840 |
| Net loans and leases to core deposits | 135.5477% | 77 |
| Total domestic deposits to total assets | 83.9971% | 3,566 |
| Equity capital to assets | 10.9222% | 1,835 |
| Core capital (leverage) ratio | 11.3563% | 1,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $434,862,800 | 1,880 |
| Average earning assets | $414,770,800 | 1,855 |
| Average equity | $46,809,000 | 1,866 |
| Average total loans | $344,134,800 | 1,539 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7163% | 2,229 |
| Cost of funding earning assets | 0.5199% | 956 |
| Net interest margin | 3.1964% | 2,740 |
| Noninterest income to average assets | 0.5298% | 2,500 |
| Noninterest expense to average assets | 1.9707% | 3,760 |
| Loan and lease loss provision to assets | -0.0584% | 4,484 |
| Net operating income to assets | 1.1413% | 2,399 |
| Return on assets (ROA) | 1.1413% | 2,461 |
| Pretax return on assets | 1.6634% | 1,513 |
| Return on Equity (ROE) | 10.6446% | 2,502 |
| Retained earnings to average equity (ytd only) | 10.6446% | 1,137 |
| Net charge-offs to loans | -0.0369% | 4,226 |
| Credit loss provision to net charge-offs | 195.8333% | 1,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1128% | 3,643 |
| Assets per employee ($millions) | 9.7894% | 683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4978% | 1,644 |
| Loan loss allowance to noncurrent loans | 83.5925% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 1.3710% | 388 |
| Noncurrent loans to loans | 1.7918% | 540 |
| Net loans and leases to total assets | 75.3696% | 589 |
| Net loans and leases to deposits | 89.4191% | 635 |
| Net loans and leases to core deposits | 144.4391% | 68 |
| Total domestic deposits to total assets | 84.2881% | 3,375 |
| Equity capital to assets | 10.6643% | 2,301 |
| Core capital (leverage) ratio | 10.7895% | 1,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $429,549,500 | 1,918 |
| Average earning assets | $409,321,750 | 1,889 |
| Average equity | $46,056,750 | 1,910 |
| Average total loans | $347,203,250 | 1,558 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7108% | 2,301 |
| Cost of funding earning assets | 0.5339% | 1,016 |
| Net interest margin | 3.1768% | 2,824 |
| Noninterest income to average assets | 0.6062% | 2,189 |
| Noninterest expense to average assets | 1.9459% | 3,848 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1660% | 2,308 |
| Return on assets (ROA) | 1.1660% | 2,368 |
| Pretax return on assets | 1.6927% | 1,496 |
| Return on Equity (ROE) | 10.8544% | 2,479 |
| Retained earnings to average equity (ytd only) | 10.8544% | 1,161 |
| Net charge-offs to loans | -0.0098% | 3,659 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4790% | 3,870 |
| Assets per employee ($millions) | 9.4902% | 716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5021% | 1,584 |
| Loan loss allowance to noncurrent loans | 108.6580% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 1.1112% | 654 |
| Noncurrent loans to loans | 1.3824% | 846 |
| Net loans and leases to total assets | 79.1769% | 367 |
| Net loans and leases to deposits | 94.1825% | 452 |
| Net loans and leases to core deposits | 153.0764% | 63 |
| Total domestic deposits to total assets | 84.0675% | 3,418 |
| Equity capital to assets | 10.7360% | 2,200 |
| Core capital (leverage) ratio | 10.9873% | 1,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $422,627,667 | 1,929 |
| Average earning assets | $403,419,000 | 1,898 |
| Average equity | $45,401,000 | 1,916 |
| Average total loans | $348,084,000 | 1,567 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5131% | 2,880 |
| Cost of funding earning assets | 0.5547% | 1,073 |
| Net interest margin | 2.9585% | 3,358 |
| Noninterest income to average assets | 0.4120% | 3,030 |
| Noninterest expense to average assets | 2.2488% | 2,950 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7047% | 3,691 |
| Return on assets (ROA) | 0.7047% | 3,753 |
| Pretax return on assets | 0.9925% | 3,392 |
| Return on Equity (ROE) | 6.5552% | 3,719 |
| Retained earnings to average equity (ytd only) | 6.5552% | 2,709 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3793% | 1,774 |
| Assets per employee ($millions) | 8.8701% | 874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4998% | 1,608 |
| Loan loss allowance to noncurrent loans | 55.1196% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 2.2864% | 195 |
| Noncurrent loans to loans | 2.7210% | 318 |
| Net loans and leases to total assets | 82.7693% | 193 |
| Net loans and leases to deposits | 100.3137% | 279 |
| Net loans and leases to core deposits | 148.6260% | 76 |
| Total domestic deposits to total assets | 82.5105% | 3,795 |
| Equity capital to assets | 10.8063% | 2,005 |
| Core capital (leverage) ratio | 10.9269% | 1,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $415,511,500 | 1,943 |
| Average earning assets | $397,367,000 | 1,910 |
| Average equity | $44,667,000 | 1,929 |
| Average total loans | $346,668,000 | 1,571 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8024% | 3,294 |
| Cost of funding earning assets | 1.0415% | 507 |
| Net interest margin | 2.7610% | 4,311 |
| Noninterest income to average assets | 0.4309% | 2,955 |
| Noninterest expense to average assets | 2.4174% | 3,091 |
| Loan and lease loss provision to assets | 0.5645% | 381 |
| Net operating income to assets | 0.0606% | 4,695 |
| Return on assets (ROA) | 0.0916% | 4,711 |
| Pretax return on assets | 0.1264% | 4,692 |
| Return on Equity (ROE) | 0.8425% | 4,692 |
| Retained earnings to average equity (ytd only) | 0.8425% | 4,274 |
| Net charge-offs to loans | 0.0055% | 3,149 |
| Credit loss provision to net charge-offs | 12,527.7778% | 79 |
| Earnings coverage of net charge-offs (x) | 144.6111% | 600 |
| Efficiency ratio | 78.7666% | 978 |
| Assets per employee ($millions) | 8.8112% | 791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5317% | 1,474 |
| Loan loss allowance to noncurrent loans | 54.3611% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 2.3338% | 208 |
| Noncurrent loans to loans | 2.8176% | 329 |
| Net loans and leases to total assets | 81.5610% | 325 |
| Net loans and leases to deposits | 98.7395% | 425 |
| Net loans and leases to core deposits | 140.1257% | 117 |
| Total domestic deposits to total assets | 82.6022% | 3,514 |
| Equity capital to assets | 10.6931% | 2,531 |
| Core capital (leverage) ratio | 10.8418% | 1,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $399,441,600 | 1,868 |
| Average earning assets | $381,675,600 | 1,826 |
| Average equity | $43,441,800 | 1,892 |
| Average total loans | $329,354,600 | 1,581 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8877% | 3,290 |
| Cost of funding earning assets | 1.1496% | 439 |
| Net interest margin | 2.7380% | 4,417 |
| Noninterest income to average assets | 0.3227% | 3,553 |
| Noninterest expense to average assets | 2.3959% | 3,143 |
| Loan and lease loss provision to assets | 0.7598% | 258 |
| Net operating income to assets | -0.1560% | 4,829 |
| Return on assets (ROA) | -0.1142% | 4,828 |
| Pretax return on assets | -0.1627% | 4,830 |
| Return on Equity (ROE) | -1.0455% | 4,837 |
| Retained earnings to average equity (ytd only) | -1.0455% | 4,619 |
| Net charge-offs to loans | 0.0045% | 2,990 |
| Credit loss provision to net charge-offs | 20,500.0000% | 71 |
| Earnings coverage of net charge-offs (x) | 146.8182% | 614 |
| Efficiency ratio | 81.4942% | 756 |
| Assets per employee ($millions) | 9.3868% | 621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5070% | 1,363 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 85.1853% | 199 |
| Net loans and leases to deposits | 112.1404% | 195 |
| Net loans and leases to core deposits | 166.5094% | 68 |
| Total domestic deposits to total assets | 75.9631% | 4,429 |
| Equity capital to assets | 10.7870% | 2,558 |
| Core capital (leverage) ratio | 10.6905% | 2,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $395,770,250 | 1,858 |
| Average earning assets | $378,315,000 | 1,818 |
| Average equity | $43,231,500 | 1,887 |
| Average total loans | $325,938,250 | 1,589 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9490% | 3,466 |
| Cost of funding earning assets | 1.2841% | 386 |
| Net interest margin | 2.6650% | 4,592 |
| Noninterest income to average assets | 0.2874% | 3,738 |
| Noninterest expense to average assets | 2.2424% | 3,673 |
| Loan and lease loss provision to assets | 1.2133% | 137 |
| Net operating income to assets | -0.4458% | 4,908 |
| Return on assets (ROA) | -0.3948% | 4,898 |
| Pretax return on assets | -0.5560% | 4,905 |
| Return on Equity (ROE) | -3.5985% | 4,908 |
| Retained earnings to average equity (ytd only) | -3.5985% | 4,700 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0956% | 954 |
| Assets per employee ($millions) | 9.2731% | 629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5425% | 1,141 |
| Loan loss allowance to noncurrent loans | 108,040.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 4,597 |
| Noncurrent loans to loans | 0.0014% | 4,529 |
| Net loans and leases to total assets | 84.5080% | 222 |
| Net loans and leases to deposits | 112.9626% | 174 |
| Net loans and leases to core deposits | 169.0313% | 65 |
| Total domestic deposits to total assets | 74.8106% | 4,533 |
| Equity capital to assets | 10.5356% | 2,722 |
| Core capital (leverage) ratio | 10.8361% | 2,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $393,149,000 | 1,840 |
| Average earning assets | $375,841,333 | 1,803 |
| Average equity | $43,128,667 | 1,879 |
| Average total loans | $318,218,333 | 1,604 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0765% | 3,588 |
| Cost of funding earning assets | 1.5188% | 247 |
| Net interest margin | 2.5577% | 4,785 |
| Noninterest income to average assets | 0.0954% | 4,841 |
| Noninterest expense to average assets | 2.5760% | 3,060 |
| Loan and lease loss provision to assets | 1.5556% | 94 |
| Net operating income to assets | -1.1395% | 5,002 |
| Return on assets (ROA) | -1.0609% | 4,979 |
| Pretax return on assets | -1.4933% | 4,994 |
| Return on Equity (ROE) | -9.4723% | 4,995 |
| Retained earnings to average equity (ytd only) | -9.4723% | 4,748 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.4706% | 214 |
| Assets per employee ($millions) | 7.9464% | 749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4471% | 1,533 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 80.6541% | 611 |
| Net loans and leases to deposits | 103.7495% | 374 |
| Net loans and leases to core deposits | 159.2858% | 82 |
| Total domestic deposits to total assets | 77.7393% | 4,260 |
| Equity capital to assets | 11.2158% | 2,662 |
| Core capital (leverage) ratio | 10.7640% | 2,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6303% | 1,436 |
| Memoranda: |
| Average total assets | $385,715,000 | 1,818 |
| Average earning assets | $368,456,000 | 1,785 |
| Average equity | $43,199,500 | 1,874 |
| Average total loans | $302,223,000 | 1,636 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6002% | 2,614 |
| Cost of funding earning assets | 1.6565% | 236 |
| Net interest margin | 2.9438% | 4,593 |
| Noninterest income to average assets | 0.0571% | 5,021 |
| Noninterest expense to average assets | 2.3088% | 3,925 |
| Loan and lease loss provision to assets | -0.1662% | 5,110 |
| Net operating income to assets | 0.5217% | 4,355 |
| Return on assets (ROA) | 0.5465% | 4,358 |
| Pretax return on assets | 0.7547% | 4,069 |
| Return on Equity (ROE) | 4.6045% | 4,322 |
| Retained earnings to average equity (ytd only) | 4.6045% | 2,647 |
| Net charge-offs to loans | -0.0352% | 4,745 |
| Credit loss provision to net charge-offs | 600.0000% | 512 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5566% | 899 |
| Assets per employee ($millions) | 8.1248% | 680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0325% | 3,310 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 74.1752% | 1,721 |
| Net loans and leases to deposits | 89.0264% | 1,696 |
| Net loans and leases to core deposits | 133.0812% | 239 |
| Total domestic deposits to total assets | 83.3183% | 3,096 |
| Equity capital to assets | 11.2749% | 2,738 |
| Core capital (leverage) ratio | 11.9113% | 1,834 |
| Tier 1 risk-based capital ratio | 16.7835% | 2,129 |
| Total risk-based capital ratio | 18.0337% | 2,064 |
| Memoranda: |
| Average total assets | $361,051,800 | 1,872 |
| Average earning assets | $344,525,600 | 1,832 |
| Average equity | $42,849,600 | 1,820 |
| Average total loans | $283,792,600 | 1,674 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7706% | 2,214 |
| Cost of funding earning assets | 1.6623% | 231 |
| Net interest margin | 3.1082% | 4,463 |
| Noninterest income to average assets | 0.0558% | 5,105 |
| Noninterest expense to average assets | 2.2478% | 4,080 |
| Loan and lease loss provision to assets | -0.2261% | 5,212 |
| Net operating income to assets | 0.7080% | 3,987 |
| Return on assets (ROA) | 0.7416% | 3,940 |
| Pretax return on assets | 1.0423% | 3,469 |
| Return on Equity (ROE) | 6.1639% | 3,994 |
| Retained earnings to average equity (ytd only) | 6.1639% | 2,295 |
| Net charge-offs to loans | -0.0473% | 4,823 |
| Credit loss provision to net charge-offs | 600.0000% | 537 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3951% | 1,509 |
| Assets per employee ($millions) | 7.7759% | 754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1153% | 2,949 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 76.4465% | 1,408 |
| Net loans and leases to deposits | 95.5207% | 1,070 |
| Net loans and leases to core deposits | 146.2803% | 141 |
| Total domestic deposits to total assets | 80.0314% | 3,987 |
| Equity capital to assets | 12.5582% | 1,871 |
| Core capital (leverage) ratio | 12.7404% | 1,465 |
| Tier 1 risk-based capital ratio | 18.5707% | 1,672 |
| Total risk-based capital ratio | 19.8225% | 1,639 |
| Memoranda: |
| Average total assets | $353,817,250 | 1,910 |
| Average earning assets | $337,588,000 | 1,869 |
| Average equity | $42,569,250 | 1,838 |
| Average total loans | $281,667,250 | 1,695 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8055% | 2,045 |
| Cost of funding earning assets | 1.6375% | 239 |
| Net interest margin | 3.1681% | 4,421 |
| Noninterest income to average assets | 0.0563% | 5,147 |
| Noninterest expense to average assets | 2.2646% | 4,092 |
| Loan and lease loss provision to assets | -0.1971% | 5,248 |
| Net operating income to assets | 0.7192% | 3,938 |
| Return on assets (ROA) | 0.7192% | 3,997 |
| Pretax return on assets | 1.0115% | 3,503 |
| Return on Equity (ROE) | 6.0649% | 4,030 |
| Retained earnings to average equity (ytd only) | 6.0649% | 2,251 |
| Net charge-offs to loans | -0.0701% | 4,925 |
| Credit loss provision to net charge-offs | 350.0000% | 804 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5504% | 1,691 |
| Assets per employee ($millions) | 7.5966% | 777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2042% | 2,502 |
| Loan loss allowance to noncurrent loans | 1,957.5581% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.0503% | 4,510 |
| Noncurrent loans to loans | 0.0615% | 4,408 |
| Net loans and leases to total assets | 80.8090% | 756 |
| Net loans and leases to deposits | 101.2361% | 593 |
| Net loans and leases to core deposits | 156.0774% | 102 |
| Total domestic deposits to total assets | 79.8223% | 4,069 |
| Equity capital to assets | 12.6720% | 1,762 |
| Core capital (leverage) ratio | 12.3424% | 1,614 |
| Tier 1 risk-based capital ratio | 17.7543% | 1,869 |
| Total risk-based capital ratio | 19.0073% | 1,817 |
| Memoranda: |
| Average total assets | $355,118,330 | 1,911 |
| Average earning assets | $338,818,670 | 1,874 |
| Average equity | $42,111,330 | 1,856 |
| Average total loans | $285,385,000 | 1,686 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6899% | 2,259 |
| Cost of funding earning assets | 1.5594% | 262 |
| Net interest margin | 3.1305% | 4,531 |
| Noninterest income to average assets | 0.0542% | 5,201 |
| Noninterest expense to average assets | 2.2026% | 4,251 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5938% | 4,265 |
| Return on assets (ROA) | 0.5938% | 4,298 |
| Pretax return on assets | 0.8348% | 3,960 |
| Return on Equity (ROE) | 5.1750% | 4,273 |
| Retained earnings to average equity (ytd only) | 5.1750% | 2,827 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5155% | 1,958 |
| Assets per employee ($millions) | 7.7269% | 742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2831% | 2,168 |
| Loan loss allowance to noncurrent loans | 124.0315% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 0.8207% | 1,729 |
| Noncurrent loans to loans | 1.0345% | 1,616 |
| Net loans and leases to total assets | 78.3113% | 1,106 |
| Net loans and leases to deposits | 95.1292% | 1,049 |
| Net loans and leases to core deposits | 142.8173% | 166 |
| Total domestic deposits to total assets | 82.3210% | 3,638 |
| Equity capital to assets | 11.8156% | 2,144 |
| Core capital (leverage) ratio | 11.8190% | 1,892 |
| Tier 1 risk-based capital ratio | 17.2671% | 2,029 |
| Total risk-based capital ratio | 18.5211% | 1,966 |
| Memoranda: |
| Average total assets | $361,754,000 | 1,909 |
| Average earning assets | $344,738,000 | 1,871 |
| Average equity | $41,507,500 | 1,873 |
| Average total loans | $288,272,500 | 1,677 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6885% | 1,861 |
| Cost of funding earning assets | 1.2472% | 275 |
| Net interest margin | 3.4412% | 3,878 |
| Noninterest income to average assets | 0.1035% | 5,140 |
| Noninterest expense to average assets | 2.1345% | 4,484 |
| Loan and lease loss provision to assets | 0.1648% | 1,232 |
| Net operating income to assets | 0.8122% | 3,757 |
| Return on assets (ROA) | 0.8117% | 3,760 |
| Pretax return on assets | 1.1003% | 3,265 |
| Return on Equity (ROE) | 6.9563% | 3,840 |
| Retained earnings to average equity (ytd only) | 6.9563% | 1,689 |
| Net charge-offs to loans | 0.3705% | 515 |
| Credit loss provision to net charge-offs | 56.3910% | 3,134 |
| Earnings coverage of net charge-offs (x) | 4.3318% | 3,307 |
| Efficiency ratio | 62.7766% | 3,392 |
| Assets per employee ($millions) | 8.1803% | 622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2279% | 2,422 |
| Loan loss allowance to noncurrent loans | 123.9973% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 0.7924% | 1,762 |
| Noncurrent loans to loans | 0.9902% | 1,638 |
| Net loans and leases to total assets | 79.0411% | 1,088 |
| Net loans and leases to deposits | 98.3701% | 863 |
| Net loans and leases to core deposits | 142.2588% | 178 |
| Total domestic deposits to total assets | 80.3507% | 4,029 |
| Equity capital to assets | 11.1427% | 2,562 |
| Core capital (leverage) ratio | 11.2841% | 2,276 |
| Tier 1 risk-based capital ratio | 16.1833% | 2,350 |
| Total risk-based capital ratio | 17.4362% | 2,291 |
| Memoranda: |
| Average total assets | $364,166,600 | 1,861 |
| Average earning assets | $348,857,000 | 1,816 |
| Average equity | $42,493,800 | 1,761 |
| Average total loans | $287,148,000 | 1,651 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6534% | 1,816 |
| Cost of funding earning assets | 1.1592% | 310 |
| Net interest margin | 3.4941% | 3,714 |
| Noninterest income to average assets | 0.0778% | 5,278 |
| Noninterest expense to average assets | 2.1465% | 4,441 |
| Loan and lease loss provision to assets | 0.1652% | 1,144 |
| Net operating income to assets | 0.7958% | 3,920 |
| Return on assets (ROA) | 0.7952% | 3,928 |
| Pretax return on assets | 1.1105% | 3,354 |
| Return on Equity (ROE) | 6.7376% | 4,023 |
| Retained earnings to average equity (ytd only) | 6.7376% | 2,268 |
| Net charge-offs to loans | 0.4973% | 316 |
| Credit loss provision to net charge-offs | 42.2932% | 2,888 |
| Earnings coverage of net charge-offs (x) | 3.2679% | 3,176 |
| Efficiency ratio | 62.7091% | 3,392 |
| Assets per employee ($millions) | 8.0430% | 643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1296% | 3,027 |
| Loan loss allowance to noncurrent loans | 1,386.8000% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.0661% | 4,649 |
| Noncurrent loans to loans | 0.0815% | 4,509 |
| Net loans and leases to total assets | 80.2755% | 977 |
| Net loans and leases to deposits | 99.3631% | 839 |
| Net loans and leases to core deposits | 135.8273% | 243 |
| Total domestic deposits to total assets | 80.7901% | 3,925 |
| Equity capital to assets | 11.5718% | 2,209 |
| Core capital (leverage) ratio | 12.2055% | 1,665 |
| Tier 1 risk-based capital ratio | 16.6052% | 2,244 |
| Total risk-based capital ratio | 17.8567% | 2,186 |
| Memoranda: |
| Average total assets | $363,179,500 | 1,871 |
| Average earning assets | $347,697,500 | 1,822 |
| Average equity | $42,862,750 | 1,743 |
| Average total loans | $285,290,250 | 1,663 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6249% | 1,711 |
| Cost of funding earning assets | 1.0847% | 312 |
| Net interest margin | 3.5402% | 3,502 |
| Noninterest income to average assets | 0.0804% | 5,323 |
| Noninterest expense to average assets | 2.1450% | 4,500 |
| Loan and lease loss provision to assets | 0.1675% | 1,100 |
| Net operating income to assets | 0.8285% | 3,756 |
| Return on assets (ROA) | 0.8285% | 3,762 |
| Pretax return on assets | 1.1534% | 3,122 |
| Return on Equity (ROE) | 6.9722% | 3,913 |
| Retained earnings to average equity (ytd only) | 6.9722% | 2,084 |
| Net charge-offs to loans | 0.1798% | 874 |
| Credit loss provision to net charge-offs | 120.0000% | 1,797 |
| Earnings coverage of net charge-offs (x) | 9.4640% | 2,389 |
| Efficiency ratio | 61.8879% | 3,636 |
| Assets per employee ($millions) | 7.7820% | 683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4295% | 1,644 |
| Loan loss allowance to noncurrent loans | 177.7204% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.6357% | 2,314 |
| Noncurrent loans to loans | 0.8044% | 2,120 |
| Net loans and leases to total assets | 77.8990% | 1,334 |
| Net loans and leases to deposits | 96.9742% | 1,040 |
| Net loans and leases to core deposits | 110.7639% | 952 |
| Total domestic deposits to total assets | 80.3296% | 4,172 |
| Equity capital to assets | 11.8246% | 1,977 |
| Core capital (leverage) ratio | 12.0403% | 1,687 |
| Tier 1 risk-based capital ratio | 17.1273% | 2,058 |
| Total risk-based capital ratio | 18.3829% | 2,001 |
| Memoranda: |
| Average total assets | $358,231,670 | 1,896 |
| Average earning assets | $342,579,670 | 1,856 |
| Average equity | $42,569,000 | 1,761 |
| Average total loans | $278,078,000 | 1,703 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4960% | 1,880 |
| Cost of funding earning assets | 0.9769% | 416 |
| Net interest margin | 3.5190% | 3,467 |
| Noninterest income to average assets | 0.0767% | 5,405 |
| Noninterest expense to average assets | 2.1880% | 4,447 |
| Loan and lease loss provision to assets | 0.1693% | 1,050 |
| Net operating income to assets | 0.7798% | 3,792 |
| Return on assets (ROA) | 0.7798% | 3,791 |
| Pretax return on assets | 1.0810% | 3,243 |
| Return on Equity (ROE) | 6.5453% | 3,964 |
| Retained earnings to average equity (ytd only) | 6.5453% | 2,477 |
| Net charge-offs to loans | 0.3668% | 428 |
| Credit loss provision to net charge-offs | 60.0000% | 1,888 |
| Earnings coverage of net charge-offs (x) | 4.4320% | 2,304 |
| Efficiency ratio | 63.6364% | 3,539 |
| Assets per employee ($millions) | 7.4305% | 793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4463% | 1,677 |
| Loan loss allowance to noncurrent loans | 75.4167% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 1.4804% | 951 |
| Noncurrent loans to loans | 1.9177% | 850 |
| Net loans and leases to total assets | 76.0779% | 1,531 |
| Net loans and leases to deposits | 89.5796% | 1,735 |
| Net loans and leases to core deposits | 103.3613% | 1,428 |
| Total domestic deposits to total assets | 84.9277% | 2,959 |
| Equity capital to assets | 11.9657% | 1,816 |
| Core capital (leverage) ratio | 12.1145% | 1,580 |
| Tier 1 risk-based capital ratio | 16.5351% | 2,260 |
| Total risk-based capital ratio | 17.7897% | 2,210 |
| Memoranda: |
| Average total assets | $354,471,000 | 1,924 |
| Average earning assets | $338,614,500 | 1,880 |
| Average equity | $42,229,000 | 1,786 |
| Average total loans | $272,592,000 | 1,725 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1973% | 2,693 |
| Cost of funding earning assets | 0.8444% | 495 |
| Net interest margin | 3.3528% | 4,003 |
| Noninterest income to average assets | 0.0855% | 5,446 |
| Noninterest expense to average assets | 2.1805% | 4,565 |
| Loan and lease loss provision to assets | 0.0598% | 3,036 |
| Net operating income to assets | 0.4631% | 4,483 |
| Return on assets (ROA) | 0.4587% | 4,526 |
| Pretax return on assets | 1.0535% | 3,370 |
| Return on Equity (ROE) | 3.7824% | 4,568 |
| Retained earnings to average equity (ytd only) | 2.2857% | 3,951 |
| Net charge-offs to loans | -0.0691% | 5,270 |
| Credit loss provision to net charge-offs | -113.6364% | 4,729 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0627% | 3,254 |
| Assets per employee ($millions) | 7.4953% | 772 |
| Cash dividends to net income (ytd only)* | 39.5698% | 2,880 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5123% | 1,369 |
| Loan loss allowance to noncurrent loans | 241.4793% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.4797% | 2,962 |
| Noncurrent loans to loans | 0.6262% | 2,654 |
| Net loans and leases to total assets | 75.4457% | 1,687 |
| Net loans and leases to deposits | 95.3310% | 1,146 |
| Net loans and leases to core deposits | 133.2137% | 285 |
| Total domestic deposits to total assets | 79.1407% | 4,516 |
| Equity capital to assets | 11.8602% | 1,937 |
| Core capital (leverage) ratio | 12.6839% | 1,270 |
| Tier 1 risk-based capital ratio | 16.3577% | 2,314 |
| Total risk-based capital ratio | 17.6128% | 2,250 |
| Memoranda: |
| Average total assets | $334,414,200 | 1,984 |
| Average earning assets | $320,682,600 | 1,934 |
| Average equity | $40,556,600 | 1,838 |
| Average total loans | $254,587,400 | 1,792 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1662% | 2,730 |
| Cost of funding earning assets | 0.8529% | 448 |
| Net interest margin | 3.3133% | 4,124 |
| Noninterest income to average assets | 0.0630% | 5,574 |
| Noninterest expense to average assets | 2.1930% | 4,532 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6101% | 4,353 |
| Return on assets (ROA) | 0.6041% | 4,418 |
| Pretax return on assets | 1.0381% | 3,529 |
| Return on Equity (ROE) | 4.9522% | 4,544 |
| Retained earnings to average equity (ytd only) | 4.9522% | 2,921 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6768% | 2,933 |
| Assets per employee ($millions) | 7.0446% | 934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4915% | 1,562 |
| Loan loss allowance to noncurrent loans | 217.6160% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.5143% | 3,005 |
| Noncurrent loans to loans | 0.6854% | 2,653 |
| Net loans and leases to total assets | 73.9261% | 1,925 |
| Net loans and leases to deposits | 84.6529% | 2,475 |
| Net loans and leases to core deposits | 126.7919% | 391 |
| Total domestic deposits to total assets | 87.3285% | 1,711 |
| Equity capital to assets | 12.3797% | 1,730 |
| Core capital (leverage) ratio | 12.5582% | 1,396 |
| Tier 1 risk-based capital ratio | 17.5816% | 1,983 |
| Total risk-based capital ratio | 18.8371% | 1,921 |
| Memoranda: |
| Average total assets | $329,947,750 | 2,020 |
| Average earning assets | $316,413,250 | 1,966 |
| Average equity | $40,250,500 | 1,866 |
| Average total loans | $250,769,000 | 1,821 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1046% | 2,813 |
| Cost of funding earning assets | 0.8478% | 410 |
| Net interest margin | 3.2569% | 4,248 |
| Noninterest income to average assets | 0.0625% | 5,619 |
| Noninterest expense to average assets | 2.1774% | 4,605 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5916% | 4,347 |
| Return on assets (ROA) | 0.5850% | 4,423 |
| Pretax return on assets | 1.0104% | 3,524 |
| Return on Equity (ROE) | 4.8195% | 4,556 |
| Retained earnings to average equity (ytd only) | 4.8195% | 2,835 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0835% | 3,000 |
| Assets per employee ($millions) | 7.4949% | 741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4972% | 1,582 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 73.9355% | 1,882 |
| Net loans and leases to deposits | 84.5235% | 2,401 |
| Net loans and leases to core deposits | 127.5997% | 355 |
| Total domestic deposits to total assets | 87.4732% | 1,737 |
| Equity capital to assets | 12.2945% | 1,737 |
| Core capital (leverage) ratio | 12.3425% | 1,447 |
| Tier 1 risk-based capital ratio | 17.4325% | 2,026 |
| Total risk-based capital ratio | 18.6881% | 1,982 |
| Memoranda: |
| Average total assets | $329,564,330 | 2,025 |
| Average earning assets | $317,300,330 | 1,969 |
| Average equity | $40,004,330 | 1,870 |
| Average total loans | $251,534,000 | 1,816 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9925% | 3,062 |
| Cost of funding earning assets | 0.8363% | 397 |
| Net interest margin | 3.1562% | 4,480 |
| Noninterest income to average assets | 0.0874% | 5,622 |
| Noninterest expense to average assets | 2.2036% | 4,630 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5242% | 4,496 |
| Return on assets (ROA) | 0.5063% | 4,603 |
| Pretax return on assets | 0.8984% | 3,776 |
| Return on Equity (ROE) | 4.1979% | 4,709 |
| Retained earnings to average equity (ytd only) | 4.1979% | 3,356 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4034% | 2,831 |
| Assets per employee ($millions) | 7.6511% | 715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4601% | 1,827 |
| Loan loss allowance to noncurrent loans | 101.1739% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 1.1134% | 1,596 |
| Noncurrent loans to loans | 1.4431% | 1,396 |
| Net loans and leases to total assets | 76.0230% | 1,416 |
| Net loans and leases to deposits | 86.8871% | 1,926 |
| Net loans and leases to core deposits | 135.5277% | 207 |
| Total domestic deposits to total assets | 87.4963% | 1,990 |
| Equity capital to assets | 12.1383% | 1,747 |
| Core capital (leverage) ratio | 12.2139% | 1,500 |
| Tier 1 risk-based capital ratio | 17.2668% | 2,105 |
| Total risk-based capital ratio | 18.5223% | 2,051 |
| Memoranda: |
| Average total assets | $329,459,500 | 2,044 |
| Average earning assets | $317,593,000 | 1,979 |
| Average equity | $39,734,500 | 1,878 |
| Average total loans | $253,538,000 | 1,815 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9004% | 3,570 |
| Cost of funding earning assets | 0.8074% | 481 |
| Net interest margin | 3.0930% | 4,747 |
| Noninterest income to average assets | 0.1016% | 5,643 |
| Noninterest expense to average assets | 2.2184% | 4,732 |
| Loan and lease loss provision to assets | -0.0643% | 5,620 |
| Net operating income to assets | 0.5594% | 4,391 |
| Return on assets (ROA) | 0.5857% | 4,377 |
| Pretax return on assets | 0.9656% | 3,597 |
| Return on Equity (ROE) | 4.7196% | 4,559 |
| Retained earnings to average equity (ytd only) | 4.7196% | 2,538 |
| Net charge-offs to loans | 0.1309% | 1,935 |
| Credit loss provision to net charge-offs | -66.6667% | 4,838 |
| Earnings coverage of net charge-offs (x) | 8.9133% | 2,819 |
| Efficiency ratio | 72.0614% | 2,580 |
| Assets per employee ($millions) | 7.6749% | 686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4831% | 1,736 |
| Loan loss allowance to noncurrent loans | 96.7543% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 1.1763% | 1,544 |
| Noncurrent loans to loans | 1.5328% | 1,304 |
| Net loans and leases to total assets | 75.6014% | 1,581 |
| Net loans and leases to deposits | 86.1896% | 2,141 |
| Net loans and leases to core deposits | 117.4948% | 562 |
| Total domestic deposits to total assets | 87.7153% | 1,783 |
| Equity capital to assets | 11.9793% | 1,823 |
| Core capital (leverage) ratio | 11.9809% | 1,612 |
| Tier 1 risk-based capital ratio | 16.7866% | 2,234 |
| Total risk-based capital ratio | 18.0417% | 2,182 |
| Memoranda: |
| Average total assets | $310,905,600 | 2,109 |
| Average earning assets | $299,223,600 | 2,049 |
| Average equity | $38,583,800 | 1,906 |
| Average total loans | $229,119,200 | 1,912 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7821% | 3,973 |
| Cost of funding earning assets | 0.7923% | 522 |
| Net interest margin | 2.9898% | 5,031 |
| Noninterest income to average assets | 0.0571% | 5,817 |
| Noninterest expense to average assets | 2.2578% | 4,631 |
| Loan and lease loss provision to assets | -0.0871% | 5,773 |
| Net operating income to assets | 0.4521% | 4,868 |
| Return on assets (ROA) | 0.4521% | 4,953 |
| Pretax return on assets | 0.7626% | 4,432 |
| Return on Equity (ROE) | 3.6091% | 5,051 |
| Retained earnings to average equity (ytd only) | 3.6091% | 3,725 |
| Net charge-offs to loans | 0.1793% | 1,300 |
| Credit loss provision to net charge-offs | -66.6667% | 4,705 |
| Earnings coverage of net charge-offs (x) | 5.1700% | 3,166 |
| Efficiency ratio | 76.9710% | 1,839 |
| Assets per employee ($millions) | 8.1445% | 552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5894% | 1,510 |
| Loan loss allowance to noncurrent loans | 75.1952% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 1.5332% | 1,159 |
| Noncurrent loans to loans | 2.1136% | 906 |
| Net loans and leases to total assets | 71.3875% | 2,283 |
| Net loans and leases to deposits | 82.1704% | 2,707 |
| Net loans and leases to core deposits | 113.1537% | 758 |
| Total domestic deposits to total assets | 86.8774% | 1,947 |
| Equity capital to assets | 11.9086% | 2,179 |
| Core capital (leverage) ratio | 12.1071% | 1,600 |
| Tier 1 risk-based capital ratio | 16.7943% | 2,300 |
| Total risk-based capital ratio | 18.0498% | 2,253 |
| Memoranda: |
| Average total assets | $306,127,250 | 2,137 |
| Average earning assets | $294,503,250 | 2,083 |
| Average equity | $38,346,250 | 1,919 |
| Average total loans | $223,085,250 | 1,965 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8158% | 3,897 |
| Cost of funding earning assets | 0.7626% | 592 |
| Net interest margin | 3.0532% | 4,969 |
| Noninterest income to average assets | 0.0614% | 5,884 |
| Noninterest expense to average assets | 2.3413% | 4,495 |
| Loan and lease loss provision to assets | -0.1335% | 5,898 |
| Net operating income to assets | 0.4760% | 4,781 |
| Return on assets (ROA) | 0.4760% | 4,877 |
| Pretax return on assets | 0.7938% | 4,309 |
| Return on Equity (ROE) | 3.7333% | 5,011 |
| Retained earnings to average equity (ytd only) | 3.7333% | 3,523 |
| Net charge-offs to loans | -0.0210% | 4,965 |
| Credit loss provision to net charge-offs | 869.5652% | 415 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0027% | 1,792 |
| Assets per employee ($millions) | 7.3129% | 759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7344% | 1,202 |
| Loan loss allowance to noncurrent loans | 81.6617% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 1.5885% | 1,172 |
| Noncurrent loans to loans | 2.1239% | 909 |
| Net loans and leases to total assets | 73.4925% | 1,931 |
| Net loans and leases to deposits | 83.9973% | 2,468 |
| Net loans and leases to core deposits | 117.7928% | 581 |
| Total domestic deposits to total assets | 87.4939% | 1,669 |
| Equity capital to assets | 12.2644% | 1,930 |
| Core capital (leverage) ratio | 12.7079% | 1,266 |
| Tier 1 risk-based capital ratio | 16.9161% | 2,246 |
| Total risk-based capital ratio | 18.1738% | 2,201 |
| Memoranda: |
| Average total assets | $299,576,000 | 2,188 |
| Average earning assets | $288,484,670 | 2,125 |
| Average equity | $38,196,330 | 1,928 |
| Average total loans | $218,672,670 | 1,995 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8164% | 3,888 |
| Cost of funding earning assets | 0.7391% | 667 |
| Net interest margin | 3.0773% | 4,929 |
| Noninterest income to average assets | 0.0548% | 5,954 |
| Noninterest expense to average assets | 2.4222% | 4,306 |
| Loan and lease loss provision to assets | -0.2738% | 6,044 |
| Net operating income to assets | 0.5121% | 4,579 |
| Return on assets (ROA) | 0.5121% | 4,686 |
| Pretax return on assets | 0.8708% | 3,965 |
| Return on Equity (ROE) | 3.9357% | 4,911 |
| Retained earnings to average equity (ytd only) | 3.9357% | 3,523 |
| Net charge-offs to loans | -0.0152% | 4,723 |
| Credit loss provision to net charge-offs | 2,500.0000% | 166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2268% | 1,580 |
| Assets per employee ($millions) | 6.4416% | 1,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8866% | 990 |
| Loan loss allowance to noncurrent loans | 79.3393% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 1.7232% | 1,111 |
| Noncurrent loans to loans | 2.3779% | 823 |
| Net loans and leases to total assets | 71.0993% | 2,174 |
| Net loans and leases to deposits | 82.2342% | 2,514 |
| Net loans and leases to core deposits | 116.9982% | 565 |
| Total domestic deposits to total assets | 86.4595% | 2,468 |
| Equity capital to assets | 13.1958% | 1,322 |
| Core capital (leverage) ratio | 13.1467% | 1,105 |
| Tier 1 risk-based capital ratio | 18.1525% | 1,943 |
| Total risk-based capital ratio | 19.4118% | 1,903 |
| Memoranda: |
| Average total assets | $292,137,000 | 2,235 |
| Average earning assets | $281,415,000 | 2,171 |
| Average equity | $38,011,500 | 1,930 |
| Average total loans | $210,419,500 | 2,049 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0897% | 2,962 |
| Cost of funding earning assets | 0.7210% | 732 |
| Net interest margin | 3.3687% | 4,043 |
| Noninterest income to average assets | 0.0467% | 6,018 |
| Noninterest expense to average assets | 2.3926% | 4,528 |
| Loan and lease loss provision to assets | -0.1210% | 5,882 |
| Net operating income to assets | 0.6042% | 4,249 |
| Return on assets (ROA) | 0.6228% | 4,264 |
| Pretax return on assets | 1.0482% | 3,275 |
| Return on Equity (ROE) | 4.8819% | 4,561 |
| Retained earnings to average equity (ytd only) | 4.8819% | 2,505 |
| Net charge-offs to loans | -0.5615% | 6,092 |
| Credit loss provision to net charge-offs | 30.2245% | 3,656 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7053% | 2,787 |
| Assets per employee ($millions) | 6.5423% | 1,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0187% | 778 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 70.1503% | 2,344 |
| Net loans and leases to deposits | 80.6927% | 2,744 |
| Net loans and leases to core deposits | 117.4333% | 561 |
| Total domestic deposits to total assets | 86.9352% | 2,172 |
| Equity capital to assets | 12.8301% | 1,445 |
| Core capital (leverage) ratio | 12.3515% | 1,424 |
| Tier 1 risk-based capital ratio | 18.3095% | 1,882 |
| Total risk-based capital ratio | 19.5706% | 1,833 |
| Memoranda: |
| Average total assets | $289,352,600 | 2,212 |
| Average earning assets | $278,653,600 | 2,147 |
| Average equity | $36,911,600 | 1,932 |
| Average total loans | $206,233,000 | 2,016 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1487% | 2,755 |
| Cost of funding earning assets | 0.7041% | 822 |
| Net interest margin | 3.4446% | 3,771 |
| Noninterest income to average assets | 0.0458% | 6,109 |
| Noninterest expense to average assets | 2.4214% | 4,454 |
| Loan and lease loss provision to assets | -0.1157% | 6,024 |
| Net operating income to assets | 0.6271% | 4,254 |
| Return on assets (ROA) | 0.6354% | 4,325 |
| Pretax return on assets | 1.0700% | 3,327 |
| Return on Equity (ROE) | 4.9885% | 4,632 |
| Retained earnings to average equity (ytd only) | 4.9885% | 2,927 |
| Net charge-offs to loans | -0.6774% | 6,180 |
| Credit loss provision to net charge-offs | 23.9923% | 3,332 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0066% | 2,880 |
| Assets per employee ($millions) | 6.9874% | 877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1127% | 758 |
| Loan loss allowance to noncurrent loans | 241.9521% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.5699% | 3,589 |
| Noncurrent loans to loans | 0.8732% | 2,799 |
| Net loans and leases to total assets | 63.8835% | 3,326 |
| Net loans and leases to deposits | 74.3785% | 3,500 |
| Net loans and leases to core deposits | 98.6103% | 1,641 |
| Total domestic deposits to total assets | 85.8898% | 2,590 |
| Equity capital to assets | 12.1977% | 1,963 |
| Core capital (leverage) ratio | 12.1702% | 1,583 |
| Tier 1 risk-based capital ratio | 18.7422% | 1,838 |
| Total risk-based capital ratio | 20.0043% | 1,801 |
| Memoranda: |
| Average total assets | $288,090,250 | 2,236 |
| Average earning assets | $277,412,250 | 2,165 |
| Average equity | $36,696,500 | 1,959 |
| Average total loans | $205,096,500 | 2,040 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1902% | 2,574 |
| Cost of funding earning assets | 0.6950% | 864 |
| Net interest margin | 3.4952% | 3,521 |
| Noninterest income to average assets | 0.0497% | 6,177 |
| Noninterest expense to average assets | 2.4783% | 4,305 |
| Loan and lease loss provision to assets | -0.1775% | 6,167 |
| Net operating income to assets | 0.6576% | 4,089 |
| Return on assets (ROA) | 0.6704% | 4,139 |
| Pretax return on assets | 1.1291% | 3,053 |
| Return on Equity (ROE) | 5.1828% | 4,530 |
| Retained earnings to average equity (ytd only) | 5.1828% | 2,739 |
| Net charge-offs to loans | -0.9943% | 6,269 |
| Credit loss provision to net charge-offs | 24.3427% | 2,977 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6781% | 2,901 |
| Assets per employee ($millions) | 6.8714% | 878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0310% | 940 |
| Loan loss allowance to noncurrent loans | 63.6049% | 4,656 |
| Noncurrent assets plus other real estate owned to assets | 2.1965% | 960 |
| Noncurrent loans to loans | 3.1932% | 591 |
| Net loans and leases to total assets | 67.3913% | 2,732 |
| Net loans and leases to deposits | 78.7340% | 2,932 |
| Net loans and leases to core deposits | 103.7186% | 1,206 |
| Total domestic deposits to total assets | 85.5937% | 2,880 |
| Equity capital to assets | 12.2283% | 1,854 |
| Core capital (leverage) ratio | 12.8102% | 1,252 |
| Tier 1 risk-based capital ratio | 18.4089% | 1,947 |
| Total risk-based capital ratio | 19.6708% | 1,909 |
| Memoranda: |
| Average total assets | $281,639,000 | 2,291 |
| Average earning assets | $270,774,670 | 2,227 |
| Average equity | $36,428,330 | 1,975 |
| Average total loans | $206,580,330 | 2,036 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1748% | 2,552 |
| Cost of funding earning assets | 0.6986% | 856 |
| Net interest margin | 3.4762% | 3,524 |
| Noninterest income to average assets | 0.0501% | 6,232 |
| Noninterest expense to average assets | 2.5419% | 4,131 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5029% | 4,669 |
| Return on assets (ROA) | 0.5293% | 4,664 |
| Pretax return on assets | 0.8876% | 3,935 |
| Return on Equity (ROE) | 3.9716% | 4,991 |
| Retained earnings to average equity (ytd only) | 3.9716% | 3,617 |
| Net charge-offs to loans | -0.2487% | 6,104 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0218% | 2,651 |
| Assets per employee ($millions) | 6.0573% | 1,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7315% | 1,664 |
| Loan loss allowance to noncurrent loans | 66.1207% | 4,551 |
| Noncurrent assets plus other real estate owned to assets | 1.9935% | 1,188 |
| Noncurrent loans to loans | 2.6186% | 912 |
| Net loans and leases to total assets | 74.8111% | 1,388 |
| Net loans and leases to deposits | 90.4843% | 1,341 |
| Net loans and leases to core deposits | 113.8353% | 587 |
| Total domestic deposits to total assets | 82.6785% | 4,284 |
| Equity capital to assets | 13.3627% | 1,233 |
| Core capital (leverage) ratio | 13.4126% | 1,004 |
| Tier 1 risk-based capital ratio | 18.2762% | 2,071 |
| Total risk-based capital ratio | 19.5339% | 2,022 |
| Memoranda: |
| Average total assets | $271,288,500 | 2,376 |
| Average earning assets | $260,516,500 | 2,306 |
| Average equity | $36,157,000 | 1,999 |
| Average total loans | $205,883,000 | 2,042 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2388% | 2,822 |
| Cost of funding earning assets | 0.7212% | 996 |
| Net interest margin | 3.5176% | 3,729 |
| Noninterest income to average assets | 0.1407% | 5,996 |
| Noninterest expense to average assets | 2.3365% | 5,006 |
| Loan and lease loss provision to assets | 0.4292% | 400 |
| Net operating income to assets | 0.4186% | 5,159 |
| Return on assets (ROA) | 0.4369% | 5,174 |
| Pretax return on assets | 0.7693% | 4,369 |
| Return on Equity (ROE) | 3.3930% | 5,334 |
| Retained earnings to average equity (ytd only) | 3.3930% | 3,800 |
| Net charge-offs to loans | 0.6168% | 638 |
| Credit loss provision to net charge-offs | 94.7925% | 2,540 |
| Earnings coverage of net charge-offs (x) | 2.5834% | 4,115 |
| Efficiency ratio | 66.6386% | 4,126 |
| Assets per employee ($millions) | 6.2790% | 1,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6959% | 1,782 |
| Loan loss allowance to noncurrent loans | 138.8933% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 0.9237% | 2,903 |
| Noncurrent loans to loans | 1.2210% | 2,406 |
| Net loans and leases to total assets | 74.3671% | 1,522 |
| Net loans and leases to deposits | 90.6284% | 1,450 |
| Net loans and leases to core deposits | 111.6381% | 702 |
| Total domestic deposits to total assets | 82.0572% | 4,400 |
| Equity capital to assets | 13.2927% | 1,230 |
| Core capital (leverage) ratio | 13.4302% | 992 |
| Tier 1 risk-based capital ratio | 18.1517% | 2,093 |
| Total risk-based capital ratio | 19.4088% | 2,050 |
| Memoranda: |
| Average total assets | $271,429,800 | 2,351 |
| Average earning assets | $259,696,000 | 2,278 |
| Average equity | $34,954,600 | 2,001 |
| Average total loans | $199,240,000 | 2,048 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1858% | 3,042 |
| Cost of funding earning assets | 0.7270% | 1,007 |
| Net interest margin | 3.4589% | 3,981 |
| Noninterest income to average assets | 0.1320% | 6,113 |
| Noninterest expense to average assets | 2.3429% | 4,983 |
| Loan and lease loss provision to assets | 0.5396% | 271 |
| Net operating income to assets | 0.3480% | 5,433 |
| Return on assets (ROA) | 0.3606% | 5,470 |
| Pretax return on assets | 0.5764% | 5,102 |
| Return on Equity (ROE) | 2.8225% | 5,607 |
| Retained earnings to average equity (ytd only) | 2.8225% | 4,596 |
| Net charge-offs to loans | 0.8970% | 364 |
| Credit loss provision to net charge-offs | 82.5826% | 2,549 |
| Earnings coverage of net charge-offs (x) | 1.6779% | 4,103 |
| Efficiency ratio | 68.1215% | 3,833 |
| Assets per employee ($millions) | 6.4206% | 1,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6424% | 2,158 |
| Loan loss allowance to noncurrent loans | 140.5803% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 0.8563% | 3,277 |
| Noncurrent loans to loans | 1.1683% | 2,726 |
| Net loans and leases to total assets | 72.0856% | 1,834 |
| Net loans and leases to deposits | 85.7639% | 1,932 |
| Net loans and leases to core deposits | 105.0189% | 1,029 |
| Total domestic deposits to total assets | 84.0513% | 3,737 |
| Equity capital to assets | 13.1293% | 1,365 |
| Core capital (leverage) ratio | 13.0518% | 1,153 |
| Tier 1 risk-based capital ratio | 18.6172% | 2,009 |
| Total risk-based capital ratio | 19.8743% | 1,976 |
| Memoranda: |
| Average total assets | $271,788,000 | 2,363 |
| Average earning assets | $259,886,000 | 2,294 |
| Average equity | $34,720,750 | 2,019 |
| Average total loans | $197,986,750 | 2,067 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1057% | 3,319 |
| Cost of funding earning assets | 0.7258% | 1,046 |
| Net interest margin | 3.3799% | 4,260 |
| Noninterest income to average assets | 0.0499% | 6,446 |
| Noninterest expense to average assets | 2.3611% | 4,993 |
| Loan and lease loss provision to assets | 0.6973% | 193 |
| Net operating income to assets | 0.1265% | 5,994 |
| Return on assets (ROA) | 0.1453% | 5,994 |
| Pretax return on assets | 0.2473% | 5,877 |
| Return on Equity (ROE) | 1.1481% | 6,026 |
| Retained earnings to average equity (ytd only) | 1.1481% | 5,295 |
| Net charge-offs to loans | 1.1206% | 288 |
| Credit loss provision to net charge-offs | 85.5856% | 2,254 |
| Earnings coverage of net charge-offs (x) | 1.1234% | 3,885 |
| Efficiency ratio | 72.0654% | 3,325 |
| Assets per employee ($millions) | 6.5858% | 970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5868% | 2,517 |
| Loan loss allowance to noncurrent loans | 128.8932% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 0.9309% | 3,214 |
| Noncurrent loans to loans | 1.2311% | 2,770 |
| Net loans and leases to total assets | 74.4188% | 1,383 |
| Net loans and leases to deposits | 87.5583% | 1,646 |
| Net loans and leases to core deposits | 107.7124% | 784 |
| Total domestic deposits to total assets | 84.9934% | 3,515 |
| Equity capital to assets | 12.6234% | 1,576 |
| Core capital (leverage) ratio | 12.2028% | 1,552 |
| Tier 1 risk-based capital ratio | 17.3269% | 2,490 |
| Total risk-based capital ratio | 18.5827% | 2,449 |
| Memoranda: |
| Average total assets | $272,496,000 | 2,356 |
| Average earning assets | $260,127,670 | 2,288 |
| Average equity | $34,492,670 | 2,019 |
| Average total loans | $198,104,000 | 2,065 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0411% | 3,517 |
| Cost of funding earning assets | 0.6569% | 1,542 |
| Net interest margin | 3.3842% | 4,203 |
| Noninterest income to average assets | 0.0547% | 6,474 |
| Noninterest expense to average assets | 2.4227% | 4,864 |
| Loan and lease loss provision to assets | 0.2588% | 818 |
| Net operating income to assets | 0.3565% | 5,290 |
| Return on assets (ROA) | 0.3565% | 5,349 |
| Pretax return on assets | 0.5887% | 4,864 |
| Return on Equity (ROE) | 2.8121% | 5,524 |
| Retained earnings to average equity (ytd only) | 2.8121% | 4,405 |
| Net charge-offs to loans | -0.0125% | 5,133 |
| Credit loss provision to net charge-offs | -2,916.6667% | 5,535 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0841% | 3,127 |
| Assets per employee ($millions) | 7.4478% | 648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8553% | 1,882 |
| Loan loss allowance to noncurrent loans | 99.3954% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 1.2528% | 2,770 |
| Noncurrent loans to loans | 1.8666% | 2,043 |
| Net loans and leases to total assets | 65.8722% | 2,586 |
| Net loans and leases to deposits | 78.0564% | 2,546 |
| Net loans and leases to core deposits | 97.6598% | 1,262 |
| Total domestic deposits to total assets | 84.3905% | 4,128 |
| Equity capital to assets | 11.8968% | 1,943 |
| Core capital (leverage) ratio | 13.2672% | 1,058 |
| Tier 1 risk-based capital ratio | 17.9668% | 2,311 |
| Total risk-based capital ratio | 19.2260% | 2,285 |
| Memoranda: |
| Average total assets | $270,441,500 | 2,376 |
| Average earning assets | $256,961,500 | 2,305 |
| Average equity | $34,280,500 | 2,019 |
| Average total loans | $192,573,500 | 2,116 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2880% | 3,009 |
| Cost of funding earning assets | 0.7167% | 1,699 |
| Net interest margin | 3.5713% | 3,599 |
| Noninterest income to average assets | 0.0544% | 6,540 |
| Noninterest expense to average assets | 2.3707% | 5,162 |
| Loan and lease loss provision to assets | 0.2871% | 1,200 |
| Net operating income to assets | 0.4216% | 5,072 |
| Return on assets (ROA) | 0.4382% | 5,120 |
| Pretax return on assets | 0.8204% | 4,072 |
| Return on Equity (ROE) | 3.4175% | 5,358 |
| Retained earnings to average equity (ytd only) | 3.4175% | 3,802 |
| Net charge-offs to loans | 0.2639% | 2,382 |
| Credit loss provision to net charge-offs | 149.3069% | 1,556 |
| Earnings coverage of net charge-offs (x) | 5.6257% | 3,256 |
| Efficiency ratio | 68.6700% | 4,068 |
| Assets per employee ($millions) | 6.2605% | 1,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8071% | 2,046 |
| Loan loss allowance to noncurrent loans | 93.1184% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 1.4739% | 2,524 |
| Noncurrent loans to loans | 1.9406% | 2,060 |
| Net loans and leases to total assets | 74.5782% | 1,270 |
| Net loans and leases to deposits | 93.3911% | 921 |
| Net loans and leases to core deposits | 109.9845% | 608 |
| Total domestic deposits to total assets | 79.8558% | 5,477 |
| Equity capital to assets | 13.5792% | 1,039 |
| Core capital (leverage) ratio | 13.8667% | 865 |
| Tier 1 risk-based capital ratio | 19.2217% | 1,858 |
| Total risk-based capital ratio | 20.4811% | 1,818 |
| Memoranda: |
| Average total assets | $262,662,800 | 2,409 |
| Average earning assets | $249,907,200 | 2,326 |
| Average equity | $33,680,000 | 2,047 |
| Average total loans | $191,377,400 | 2,084 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2127% | 3,341 |
| Cost of funding earning assets | 0.7355% | 1,701 |
| Net interest margin | 3.4772% | 3,984 |
| Noninterest income to average assets | 0.0497% | 6,635 |
| Noninterest expense to average assets | 2.2484% | 5,480 |
| Loan and lease loss provision to assets | 0.5289% | 508 |
| Net operating income to assets | 0.3980% | 5,250 |
| Return on assets (ROA) | 0.4185% | 5,315 |
| Pretax return on assets | 0.6066% | 4,989 |
| Return on Equity (ROE) | 3.3096% | 5,495 |
| Retained earnings to average equity (ytd only) | 3.3096% | 4,320 |
| Net charge-offs to loans | 0.8285% | 707 |
| Credit loss provision to net charge-offs | 88.4971% | 2,666 |
| Earnings coverage of net charge-offs (x) | 1.8505% | 4,212 |
| Efficiency ratio | 67.0307% | 4,300 |
| Assets per employee ($millions) | 6.2742% | 1,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5803% | 3,095 |
| Loan loss allowance to noncurrent loans | 61.3065% | 4,772 |
| Noncurrent assets plus other real estate owned to assets | 1.9823% | 2,039 |
| Noncurrent loans to loans | 2.5777% | 1,654 |
| Net loans and leases to total assets | 75.6870% | 1,045 |
| Net loans and leases to deposits | 87.8508% | 1,379 |
| Net loans and leases to core deposits | 103.2988% | 917 |
| Total domestic deposits to total assets | 86.1541% | 3,162 |
| Equity capital to assets | 13.4335% | 1,145 |
| Core capital (leverage) ratio | 13.2196% | 1,122 |
| Tier 1 risk-based capital ratio | 18.9540% | 2,005 |
| Total risk-based capital ratio | 20.2108% | 1,958 |
| Memoranda: |
| Average total assets | $265,723,750 | 2,399 |
| Average earning assets | $252,534,500 | 2,316 |
| Average equity | $33,598,750 | 2,070 |
| Average total loans | $191,673,000 | 2,081 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0748% | 3,832 |
| Cost of funding earning assets | 0.7501% | 1,711 |
| Net interest margin | 3.3247% | 4,470 |
| Noninterest income to average assets | 0.0443% | 6,686 |
| Noninterest expense to average assets | 2.2229% | 5,569 |
| Loan and lease loss provision to assets | 0.3355% | 1,023 |
| Net operating income to assets | 0.4288% | 5,112 |
| Return on assets (ROA) | 0.4493% | 5,183 |
| Pretax return on assets | 0.6776% | 4,753 |
| Return on Equity (ROE) | 3.6233% | 5,373 |
| Retained earnings to average equity (ytd only) | 3.6233% | 4,008 |
| Net charge-offs to loans | 0.6714% | 979 |
| Credit loss provision to net charge-offs | 70.7165% | 2,806 |
| Earnings coverage of net charge-offs (x) | 2.0701% | 3,828 |
| Efficiency ratio | 69.3567% | 3,950 |
| Assets per employee ($millions) | 6.9252% | 743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5506% | 3,360 |
| Loan loss allowance to noncurrent loans | 60.8026% | 4,761 |
| Noncurrent assets plus other real estate owned to assets | 1.8268% | 2,373 |
| Noncurrent loans to loans | 2.5503% | 1,807 |
| Net loans and leases to total assets | 70.5218% | 1,799 |
| Net loans and leases to deposits | 81.9376% | 2,066 |
| Net loans and leases to core deposits | 94.7791% | 1,457 |
| Total domestic deposits to total assets | 86.0677% | 3,326 |
| Equity capital to assets | 12.3836% | 1,647 |
| Core capital (leverage) ratio | 12.7132% | 1,282 |
| Tier 1 risk-based capital ratio | 18.2301% | 2,231 |
| Total risk-based capital ratio | 19.4857% | 2,195 |
| Memoranda: |
| Average total assets | $270,642,000 | 2,368 |
| Average earning assets | $257,286,000 | 2,289 |
| Average equity | $33,560,330 | 2,078 |
| Average total loans | $191,230,330 | 2,089 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1439% | 3,539 |
| Cost of funding earning assets | 0.7919% | 1,575 |
| Net interest margin | 3.3520% | 4,307 |
| Noninterest income to average assets | 0.0369% | 6,775 |
| Noninterest expense to average assets | 2.3106% | 5,393 |
| Loan and lease loss provision to assets | 0.2215% | 1,671 |
| Net operating income to assets | 0.4326% | 4,990 |
| Return on assets (ROA) | 0.4326% | 5,149 |
| Pretax return on assets | 0.7235% | 4,472 |
| Return on Equity (ROE) | 3.4863% | 5,350 |
| Retained earnings to average equity (ytd only) | 3.4863% | 4,158 |
| Net charge-offs to loans | -0.0084% | 5,386 |
| Credit loss provision to net charge-offs | -3,750.0000% | 5,846 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9751% | 3,791 |
| Assets per employee ($millions) | 7.1634% | 719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7777% | 2,704 |
| Loan loss allowance to noncurrent loans | 58.7656% | 4,775 |
| Noncurrent assets plus other real estate owned to assets | 2.0892% | 2,247 |
| Noncurrent loans to loans | 3.0250% | 1,659 |
| Net loans and leases to total assets | 67.8360% | 2,044 |
| Net loans and leases to deposits | 77.7626% | 2,370 |
| Net loans and leases to core deposits | 89.4075% | 1,766 |
| Total domestic deposits to total assets | 87.2348% | 2,805 |
| Equity capital to assets | 12.4166% | 1,763 |
| Core capital (leverage) ratio | 12.3734% | 1,393 |
| Tier 1 risk-based capital ratio | 18.3345% | 2,250 |
| Total risk-based capital ratio | 19.5932% | 2,210 |
| Memoranda: |
| Average total assets | $270,921,000 | 2,380 |
| Average earning assets | $260,143,500 | 2,288 |
| Average equity | $33,617,500 | 2,101 |
| Average total loans | $190,111,500 | 2,111 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4955% | 3,407 |
| Cost of funding earning assets | 0.8392% | 2,365 |
| Net interest margin | 3.6563% | 3,848 |
| Noninterest income to average assets | 0.0131% | 6,791 |
| Noninterest expense to average assets | 2.5551% | 4,917 |
| Loan and lease loss provision to assets | 0.4483% | 1,412 |
| Net operating income to assets | 0.3186% | 5,400 |
| Return on assets (ROA) | 0.4271% | 5,231 |
| Pretax return on assets | 0.6893% | 4,703 |
| Return on Equity (ROE) | 3.0822% | 5,524 |
| Retained earnings to average equity (ytd only) | 3.0822% | 4,062 |
| Net charge-offs to loans | 0.4246% | 2,536 |
| Credit loss provision to net charge-offs | 143.2432% | 1,907 |
| Earnings coverage of net charge-offs (x) | 3.0932% | 3,887 |
| Efficiency ratio | 72.5243% | 3,318 |
| Assets per employee ($millions) | 6.9137% | 799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6585% | 3,090 |
| Loan loss allowance to noncurrent loans | 65.9359% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 1.7932% | 2,721 |
| Noncurrent loans to loans | 2.5153% | 2,097 |
| Net loans and leases to total assets | 70.1091% | 1,820 |
| Net loans and leases to deposits | 80.2914% | 2,243 |
| Net loans and leases to core deposits | 91.5904% | 1,668 |
| Total domestic deposits to total assets | 87.3184% | 2,636 |
| Equity capital to assets | 12.4005% | 1,786 |
| Core capital (leverage) ratio | 12.7403% | 1,225 |
| Tier 1 risk-based capital ratio | 18.3784% | 2,142 |
| Total risk-based capital ratio | 19.6342% | 2,105 |
| Memoranda: |
| Average total assets | $236,465,200 | 2,667 |
| Average earning assets | $227,002,600 | 2,538 |
| Average equity | $32,768,800 | 2,107 |
| Average total loans | $174,299,200 | 2,267 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5119% | 3,591 |
| Cost of funding earning assets | 0.8405% | 2,625 |
| Net interest margin | 3.6714% | 3,916 |
| Noninterest income to average assets | 0.0064% | 6,915 |
| Noninterest expense to average assets | 2.5582% | 4,887 |
| Loan and lease loss provision to assets | 0.4383% | 1,440 |
| Net operating income to assets | 0.2466% | 5,792 |
| Return on assets (ROA) | 0.3319% | 5,706 |
| Pretax return on assets | 0.6656% | 4,966 |
| Return on Equity (ROE) | 2.3229% | 5,937 |
| Retained earnings to average equity (ytd only) | 2.3229% | 5,177 |
| Net charge-offs to loans | 0.1343% | 4,046 |
| Credit loss provision to net charge-offs | 438.5965% | 610 |
| Earnings coverage of net charge-offs (x) | 9.7136% | 2,281 |
| Efficiency ratio | 72.4954% | 3,232 |
| Assets per employee ($millions) | 6.3807% | 1,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8127% | 2,759 |
| Loan loss allowance to noncurrent loans | 56.4712% | 4,827 |
| Noncurrent assets plus other real estate owned to assets | 2.3916% | 2,229 |
| Noncurrent loans to loans | 3.2099% | 1,717 |
| Net loans and leases to total assets | 73.1555% | 1,367 |
| Net loans and leases to deposits | 85.0037% | 1,725 |
| Net loans and leases to core deposits | 97.4881% | 1,302 |
| Total domestic deposits to total assets | 86.0615% | 3,218 |
| Equity capital to assets | 12.9519% | 1,612 |
| Core capital (leverage) ratio | 13.4139% | 1,041 |
| Tier 1 risk-based capital ratio | 17.8831% | 2,396 |
| Total risk-based capital ratio | 19.1417% | 2,357 |
| Memoranda: |
| Average total assets | $228,173,000 | 2,770 |
| Average earning assets | $218,913,750 | 2,653 |
| Average equity | $32,602,000 | 2,136 |
| Average total loans | $169,817,500 | 2,340 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6173% | 3,288 |
| Cost of funding earning assets | 0.8504% | 2,791 |
| Net interest margin | 3.7669% | 3,506 |
| Noninterest income to average assets | 0.0411% | 6,889 |
| Noninterest expense to average assets | 2.6301% | 4,682 |
| Loan and lease loss provision to assets | 0.3650% | 1,806 |
| Net operating income to assets | 0.3373% | 5,473 |
| Return on assets (ROA) | 0.4307% | 5,338 |
| Pretax return on assets | 0.7940% | 4,495 |
| Return on Equity (ROE) | 2.9091% | 5,726 |
| Retained earnings to average equity (ytd only) | 2.9091% | 4,698 |
| Net charge-offs to loans | 0.2110% | 3,303 |
| Credit loss provision to net charge-offs | 232.5581% | 1,224 |
| Earnings coverage of net charge-offs (x) | 6.4535% | 2,637 |
| Efficiency ratio | 72.1944% | 3,396 |
| Assets per employee ($millions) | 6.5508% | 931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7679% | 2,961 |
| Loan loss allowance to noncurrent loans | 203.4166% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 1.0058% | 4,365 |
| Noncurrent loans to loans | 0.8691% | 4,760 |
| Net loans and leases to total assets | 75.0287% | 1,097 |
| Net loans and leases to deposits | 87.7276% | 1,395 |
| Net loans and leases to core deposits | 98.7679% | 1,195 |
| Total domestic deposits to total assets | 85.5246% | 3,591 |
| Equity capital to assets | 14.3009% | 977 |
| Core capital (leverage) ratio | 14.8234% | 635 |
| Tier 1 risk-based capital ratio | 18.6343% | 2,092 |
| Total risk-based capital ratio | 19.8919% | 2,044 |
| Memoranda: |
| Average total assets | $219,154,330 | 2,877 |
| Average earning assets | $209,560,330 | 2,767 |
| Average equity | $32,450,330 | 2,123 |
| Average total loans | $163,036,330 | 2,425 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6240% | 3,389 |
| Cost of funding earning assets | 0.8861% | 2,793 |
| Net interest margin | 3.7378% | 3,652 |
| Noninterest income to average assets | 0.0448% | 6,954 |
| Noninterest expense to average assets | 2.5970% | 4,826 |
| Loan and lease loss provision to assets | 0.3737% | 1,690 |
| Net operating income to assets | 0.3732% | 5,375 |
| Return on assets (ROA) | 0.4521% | 5,217 |
| Pretax return on assets | 0.7754% | 4,511 |
| Return on Equity (ROE) | 2.9987% | 5,717 |
| Retained earnings to average equity (ytd only) | 2.9987% | 4,752 |
| Net charge-offs to loans | -0.0051% | 5,797 |
| Credit loss provision to net charge-offs | -10,000.0000% | 6,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6864% | 3,498 |
| Assets per employee ($millions) | 6.1622% | 1,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8612% | 2,806 |
| Loan loss allowance to noncurrent loans | 221.1816% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 1.0071% | 4,473 |
| Noncurrent loans to loans | 0.8415% | 4,993 |
| Net loans and leases to total assets | 75.0548% | 911 |
| Net loans and leases to deposits | 88.5459% | 1,102 |
| Net loans and leases to core deposits | 99.1371% | 1,040 |
| Total domestic deposits to total assets | 84.7638% | 4,136 |
| Equity capital to assets | 15.0396% | 741 |
| Core capital (leverage) ratio | 14.8599% | 625 |
| Tier 1 risk-based capital ratio | 19.2008% | 1,933 |
| Total risk-based capital ratio | 20.4602% | 1,896 |
| Memoranda: |
| Average total assets | $214,092,000 | 2,955 |
| Average earning assets | $204,931,500 | 2,837 |
| Average equity | $32,281,000 | 2,132 |
| Average total loans | $156,994,000 | 2,524 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1315% | 2,324 |
| Cost of funding earning assets | 1.0439% | 3,071 |
| Net interest margin | 4.0876% | 2,486 |
| Noninterest income to average assets | 0.0406% | 6,873 |
| Noninterest expense to average assets | 2.5522% | 5,282 |
| Loan and lease loss provision to assets | 0.3296% | 3,046 |
| Net operating income to assets | 1.1140% | 1,780 |
| Return on assets (ROA) | 1.1382% | 1,818 |
| Pretax return on assets | 1.0849% | 2,895 |
| Return on Equity (ROE) | 7.3562% | 3,214 |
| Retained earnings to average equity (ytd only) | 7.3562% | 1,338 |
| Net charge-offs to loans | -0.0070% | 6,858 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7346% | 5,000 |
| Assets per employee ($millions) | 6.0716% | 1,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9243% | 2,493 |
| Loan loss allowance to noncurrent loans | 286,800.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.3694% | 6,055 |
| Noncurrent loans to loans | 0.0007% | 6,878 |
| Net loans and leases to total assets | 68.7855% | 2,254 |
| Net loans and leases to deposits | 82.2094% | 2,172 |
| Net loans and leases to core deposits | 92.0868% | 1,876 |
| Total domestic deposits to total assets | 83.6711% | 4,460 |
| Equity capital to assets | 15.1171% | 748 |
| Core capital (leverage) ratio | 15.2736% | 564 |
| Tier 1 risk-based capital ratio | 20.3166% | 1,560 |
| Total risk-based capital ratio | 21.5742% | 1,536 |
| Memoranda: |
| Average total assets | $182,042,400 | 3,303 |
| Average earning assets | $173,768,200 | 3,176 |
| Average equity | $28,166,600 | 2,324 |
| Average total loans | $142,689,600 | 2,745 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2923% | 1,893 |
| Cost of funding earning assets | 1.0356% | 3,424 |
| Net interest margin | 4.2567% | 1,887 |
| Noninterest income to average assets | 0.0405% | 6,984 |
| Noninterest expense to average assets | 2.5210% | 5,399 |
| Loan and lease loss provision to assets | 0.3593% | 2,712 |
| Net operating income to assets | 0.7422% | 3,416 |
| Return on assets (ROA) | 0.7422% | 3,586 |
| Pretax return on assets | 1.2230% | 2,550 |
| Return on Equity (ROE) | 4.7637% | 4,633 |
| Retained earnings to average equity (ytd only) | 4.7637% | 3,340 |
| Net charge-offs to loans | -0.0076% | 6,749 |
| Credit loss provision to net charge-offs | -5,875.0000% | 6,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4382% | 5,492 |
| Assets per employee ($millions) | 6.4702% | 960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8564% | 2,762 |
| Loan loss allowance to noncurrent loans | 287.3950% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.8944% | 4,945 |
| Noncurrent loans to loans | 0.6459% | 5,594 |
| Net loans and leases to total assets | 74.5200% | 1,230 |
| Net loans and leases to deposits | 89.4412% | 1,274 |
| Net loans and leases to core deposits | 105.7423% | 884 |
| Total domestic deposits to total assets | 83.3173% | 4,552 |
| Equity capital to assets | 15.9218% | 640 |
| Core capital (leverage) ratio | 16.2500% | 473 |
| Tier 1 risk-based capital ratio | 20.3064% | 1,618 |
| Total risk-based capital ratio | 21.5638% | 1,584 |
| Memoranda: |
| Average total assets | $174,426,250 | 3,443 |
| Average earning assets | $166,477,250 | 3,308 |
| Average equity | $27,177,000 | 2,381 |
| Average total loans | $141,101,500 | 2,793 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3882% | 1,601 |
| Cost of funding earning assets | 1.0726% | 3,447 |
| Net interest margin | 4.3155% | 1,609 |
| Noninterest income to average assets | 0.0417% | 7,076 |
| Noninterest expense to average assets | 2.5949% | 5,210 |
| Loan and lease loss provision to assets | 0.3813% | 2,510 |
| Net operating income to assets | 0.7280% | 3,395 |
| Return on assets (ROA) | 0.7280% | 3,513 |
| Pretax return on assets | 1.1831% | 2,548 |
| Return on Equity (ROE) | 4.7119% | 4,584 |
| Retained earnings to average equity (ytd only) | 4.7119% | 3,189 |
| Net charge-offs to loans | -0.0086% | 6,654 |
| Credit loss provision to net charge-offs | -5,333.3333% | 6,777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3890% | 5,525 |
| Assets per employee ($millions) | 6.2304% | 1,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7609% | 3,116 |
| Loan loss allowance to noncurrent loans | 267.2182% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 1.0037% | 4,869 |
| Noncurrent loans to loans | 0.6590% | 5,596 |
| Net loans and leases to total assets | 82.6381% | 326 |
| Net loans and leases to deposits | 102.4278% | 372 |
| Net loans and leases to core deposits | 123.2847% | 356 |
| Total domestic deposits to total assets | 80.6794% | 5,629 |
| Equity capital to assets | 17.4370% | 435 |
| Core capital (leverage) ratio | 17.9214% | 335 |
| Tier 1 risk-based capital ratio | 20.3283% | 1,548 |
| Total risk-based capital ratio | 21.5851% | 1,519 |
| Memoranda: |
| Average total assets | $167,866,670 | 3,573 |
| Average earning assets | $160,166,000 | 3,440 |
| Average equity | $25,934,330 | 2,472 |
| Average total loans | $139,007,670 | 2,867 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3863% | 1,609 |
| Cost of funding earning assets | 1.1451% | 3,191 |
| Net interest margin | 4.2412% | 1,783 |
| Noninterest income to average assets | 0.0462% | 7,151 |
| Noninterest expense to average assets | 2.7027% | 4,826 |
| Loan and lease loss provision to assets | 0.4132% | 2,127 |
| Net operating income to assets | 0.9722% | 2,274 |
| Return on assets (ROA) | 0.9722% | 2,340 |
| Pretax return on assets | 0.9722% | 3,246 |
| Return on Equity (ROE) | 6.7533% | 3,507 |
| Retained earnings to average equity (ytd only) | 6.7533% | 2,257 |
| Net charge-offs to loans | -0.0118% | 6,411 |
| Credit loss provision to net charge-offs | -4,250.0000% | 6,351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1118% | 5,019 |
| Assets per employee ($millions) | 5.6654% | 1,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7912% | 3,040 |
| Loan loss allowance to noncurrent loans | 247.4059% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 1.0755% | 4,772 |
| Noncurrent loans to loans | 0.7240% | 5,562 |
| Net loans and leases to total assets | 81.1620% | 428 |
| Net loans and leases to deposits | 99.8248% | 476 |
| Net loans and leases to core deposits | 114.8564% | 568 |
| Total domestic deposits to total assets | 81.3045% | 5,570 |
| Equity capital to assets | 16.7210% | 475 |
| Core capital (leverage) ratio | 16.6645% | 422 |
| Tier 1 risk-based capital ratio | 19.7806% | 1,632 |
| Total risk-based capital ratio | 21.0371% | 1,606 |
| Memoranda: |
| Average total assets | $164,574,500 | 3,636 |
| Average earning assets | $156,843,000 | 3,526 |
| Average equity | $23,692,000 | 2,673 |
| Average total loans | $135,138,000 | 2,981 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1702% | 3,749 |
| Cost of funding earning assets | 1.4641% | 2,869 |
| Net interest margin | 3.7060% | 4,315 |
| Noninterest income to average assets | 0.0449% | 7,131 |
| Noninterest expense to average assets | 2.6877% | 5,041 |
| Loan and lease loss provision to assets | 0.5364% | 3,003 |
| Net operating income to assets | 0.9629% | 2,156 |
| Return on assets (ROA) | 1.0690% | 1,897 |
| Pretax return on assets | 0.4821% | 4,683 |
| Return on Equity (ROE) | 9.0538% | 2,269 |
| Retained earnings to average equity (ytd only) | 9.0538% | 687 |
| Net charge-offs to loans | 0.1458% | 5,485 |
| Credit loss provision to net charge-offs | 463.9344% | 495 |
| Earnings coverage of net charge-offs (x) | 7.8907% | 2,050 |
| Efficiency ratio | 74.6578% | 3,266 |
| Assets per employee ($millions) | 6.5941% | 905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6788% | 3,295 |
| Loan loss allowance to noncurrent loans | 226.2525% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 1.0810% | 4,847 |
| Noncurrent loans to loans | 0.7420% | 5,559 |
| Net loans and leases to total assets | 80.2169% | 641 |
| Net loans and leases to deposits | 92.1629% | 1,255 |
| Net loans and leases to core deposits | 108.2435% | 1,028 |
| Total domestic deposits to total assets | 87.0381% | 2,797 |
| Equity capital to assets | 12.0786% | 1,867 |
| Core capital (leverage) ratio | 11.8639% | 1,639 |
| Tier 1 risk-based capital ratio | 14.4864% | 3,551 |
| Total risk-based capital ratio | 15.7411% | 3,505 |
| Memoranda: |
| Average total assets | $158,278,600 | 3,730 |
| Average earning assets | $151,833,000 | 3,608 |
| Average equity | $18,688,200 | 3,314 |
| Average total loans | $125,529,800 | 3,207 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0941% | 4,352 |
| Cost of funding earning assets | 1.5181% | 2,860 |
| Net interest margin | 3.5761% | 4,987 |
| Noninterest income to average assets | 0.0358% | 7,344 |
| Noninterest expense to average assets | 2.5885% | 5,367 |
| Loan and lease loss provision to assets | 0.5354% | 2,795 |
| Net operating income to assets | 0.3499% | 4,971 |
| Return on assets (ROA) | 0.4665% | 4,651 |
| Pretax return on assets | 0.4673% | 5,020 |
| Return on Equity (ROE) | 3.9748% | 4,795 |
| Retained earnings to average equity (ytd only) | 3.9748% | 3,682 |
| Net charge-offs to loans | 0.0443% | 6,096 |
| Credit loss provision to net charge-offs | 1,534.1463% | 203 |
| Earnings coverage of net charge-offs (x) | 25.3881% | 996 |
| Efficiency ratio | 74.4978% | 3,228 |
| Assets per employee ($millions) | 6.8881% | 804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6370% | 3,384 |
| Loan loss allowance to noncurrent loans | 4,113.2075% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.5267% | 6,110 |
| Noncurrent loans to loans | 0.0398% | 7,149 |
| Net loans and leases to total assets | 76.0659% | 1,397 |
| Net loans and leases to deposits | 86.1439% | 2,306 |
| Net loans and leases to core deposits | 100.0642% | 1,842 |
| Total domestic deposits to total assets | 88.3009% | 1,793 |
| Equity capital to assets | 10.9360% | 3,018 |
| Core capital (leverage) ratio | 10.9439% | 2,301 |
| Tier 1 risk-based capital ratio | 13.5409% | 4,169 |
| Total risk-based capital ratio | 14.7954% | 4,118 |
| Memoranda: |
| Average total assets | $156,635,000 | 3,820 |
| Average earning assets | $150,626,750 | 3,670 |
| Average equity | $18,382,250 | 3,412 |
| Average total loans | $123,287,750 | 3,300 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1078% | 4,414 |
| Cost of funding earning assets | 1.5284% | 3,087 |
| Net interest margin | 3.5795% | 4,903 |
| Noninterest income to average assets | 0.0423% | 7,368 |
| Noninterest expense to average assets | 2.6531% | 5,114 |
| Loan and lease loss provision to assets | 0.6088% | 2,362 |
| Net operating income to assets | 0.2153% | 5,512 |
| Return on assets (ROA) | 0.3671% | 5,066 |
| Pretax return on assets | 0.3684% | 5,314 |
| Return on Equity (ROE) | 3.0495% | 5,196 |
| Retained earnings to average equity (ytd only) | 3.0495% | 4,165 |
| Net charge-offs to loans | 0.0683% | 5,459 |
| Credit loss provision to net charge-offs | 1,124.3902% | 337 |
| Earnings coverage of net charge-offs (x) | 15.2439% | 1,464 |
| Efficiency ratio | 76.2718% | 3,026 |
| Assets per employee ($millions) | 6.4113% | 996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5441% | 3,694 |
| Loan loss allowance to noncurrent loans | 3,796.2264% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.5815% | 6,030 |
| Noncurrent loans to loans | 0.0407% | 7,215 |
| Net loans and leases to total assets | 80.0384% | 793 |
| Net loans and leases to deposits | 90.6764% | 1,745 |
| Net loans and leases to core deposits | 105.9881% | 1,452 |
| Total domestic deposits to total assets | 88.2683% | 1,842 |
| Equity capital to assets | 11.5508% | 2,400 |
| Core capital (leverage) ratio | 11.5977% | 1,858 |
| Tier 1 risk-based capital ratio | 13.7120% | 3,927 |
| Total risk-based capital ratio | 14.9656% | 3,888 |
| Memoranda: |
| Average total assets | $151,446,000 | 3,929 |
| Average earning assets | $145,384,670 | 3,789 |
| Average equity | $18,232,330 | 3,428 |
| Average total loans | $119,994,670 | 3,409 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0828% | 4,614 |
| Cost of funding earning assets | 1.5166% | 3,448 |
| Net interest margin | 3.5662% | 4,876 |
| Noninterest income to average assets | 0.0462% | 7,480 |
| Noninterest expense to average assets | 2.7451% | 4,706 |
| Loan and lease loss provision to assets | 0.4761% | 2,598 |
| Net operating income to assets | 0.2476% | 5,503 |
| Return on assets (ROA) | 0.3346% | 5,268 |
| Pretax return on assets | 0.3346% | 5,509 |
| Return on Equity (ROE) | 2.7195% | 5,468 |
| Retained earnings to average equity (ytd only) | 2.7195% | 4,503 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1373% | 2,696 |
| Assets per employee ($millions) | 6.1937% | 1,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4793% | 4,018 |
| Loan loss allowance to noncurrent loans | 1,880.8511% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.6284% | 5,945 |
| Noncurrent loans to loans | 0.0786% | 7,197 |
| Net loans and leases to total assets | 76.0461% | 1,536 |
| Net loans and leases to deposits | 88.2732% | 2,180 |
| Net loans and leases to core deposits | 104.2247% | 1,721 |
| Total domestic deposits to total assets | 86.1486% | 3,070 |
| Equity capital to assets | 11.7558% | 2,197 |
| Core capital (leverage) ratio | 12.6872% | 1,333 |
| Tier 1 risk-based capital ratio | 14.4378% | 3,420 |
| Total risk-based capital ratio | 15.6905% | 3,384 |
| Memoranda: |
| Average total assets | $147,027,500 | 4,065 |
| Average earning assets | $141,102,500 | 3,938 |
| Average equity | $18,091,500 | 3,463 |
| Average total loans | $114,842,000 | 3,577 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6245% | 7,255 |
| Cost of funding earning assets | 1.7626% | 4,192 |
| Net interest margin | 2.8619% | 6,936 |
| Noninterest income to average assets | 0.0425% | 7,531 |
| Noninterest expense to average assets | 4.6330% | 694 |
| Loan and lease loss provision to assets | 1.3153% | 1,751 |
| Net operating income to assets | -3.2719% | 7,457 |
| Return on assets (ROA) | -3.2392% | 7,451 |
| Pretax return on assets | -3.2381% | 7,355 |
| Return on Equity (ROE) | -15.3357% | 6,952 |
| Retained earnings to average equity (ytd only) | -15.3357% | 6,900 |
| Net charge-offs to loans | 0.1651% | 5,633 |
| Credit loss provision to net charge-offs | 1,067.2566% | 275 |
| Earnings coverage of net charge-offs (x) | -15.8673% | 7,178 |
| Efficiency ratio | 173.0346% | 209 |
| Assets per employee ($millions) | 6.0527% | 1,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4451% | 4,004 |
| Loan loss allowance to noncurrent loans | 1,693.6170% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.6932% | 5,719 |
| Noncurrent loans to loans | 0.0853% | 7,203 |
| Net loans and leases to total assets | 77.9904% | 1,388 |
| Net loans and leases to deposits | 91.2209% | 2,010 |
| Net loans and leases to core deposits | 168.4253% | 248 |
| Total domestic deposits to total assets | 85.4962% | 3,295 |
| Equity capital to assets | 12.9156% | 1,540 |
| Core capital (leverage) ratio | 13.9171% | 1,001 |
| Tier 1 risk-based capital ratio | 15.7452% | 2,624 |
| Total risk-based capital ratio | 16.9973% | 2,560 |
| Memoranda: |
| Average total assets | $91,689,400 | 5,347 |
| Average earning assets | $84,419,800 | 5,320 |
| Average equity | $19,366,600 | 3,296 |
| Average total loans | $68,463,800 | 4,925 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4751% | 7,538 |
| Cost of funding earning assets | 1.7945% | 4,407 |
| Net interest margin | 2.6806% | 7,242 |
| Noninterest income to average assets | 0.0501% | 7,651 |
| Noninterest expense to average assets | 5.2207% | 421 |
| Loan and lease loss provision to assets | 0.9289% | 2,073 |
| Net operating income to assets | -3.6754% | 7,711 |
| Return on assets (ROA) | -3.6754% | 7,709 |
| Pretax return on assets | -3.6737% | 7,635 |
| Return on Equity (ROE) | -14.8796% | 7,182 |
| Retained earnings to average equity (ytd only) | -14.8796% | 7,126 |
| Net charge-offs to loans | 0.2596% | 4,426 |
| Credit loss provision to net charge-offs | 492.0354% | 802 |
| Earnings coverage of net charge-offs (x) | -14.5401% | 6,926 |
| Efficiency ratio | 210.8637% | 129 |
| Assets per employee ($millions) | 4.4856% | 2,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1833% | 5,203 |
| Loan loss allowance to noncurrent loans | 1,003.1915% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.9149% | 5,243 |
| Noncurrent loans to loans | 0.1180% | 7,182 |
| Net loans and leases to total assets | 70.2223% | 3,457 |
| Net loans and leases to deposits | 85.5640% | 3,403 |
| Net loans and leases to core deposits | 106.4623% | 3,648 |
| Total domestic deposits to total assets | 82.0699% | 4,651 |
| Equity capital to assets | 16.7227% | 667 |
| Core capital (leverage) ratio | 18.6157% | 405 |
| Tier 1 risk-based capital ratio | 22.1501% | 1,206 |
| Total risk-based capital ratio | 23.4010% | 1,186 |
| Memoranda: |
| Average total assets | $79,808,750 | 5,773 |
| Average earning assets | $72,220,250 | 5,778 |
| Average equity | $19,713,250 | 3,285 |
| Average total loans | $58,038,750 | 5,379 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3393% | 7,759 |
| Cost of funding earning assets | 1.7377% | 5,071 |
| Net interest margin | 2.6016% | 7,359 |
| Noninterest income to average assets | 0.0493% | 7,742 |
| Noninterest expense to average assets | 5.2904% | 427 |
| Loan and lease loss provision to assets | 1.4631% | 1,184 |
| Net operating income to assets | -4.4125% | 7,885 |
| Return on assets (ROA) | -4.4125% | 7,884 |
| Pretax return on assets | -4.4096% | 7,795 |
| Return on Equity (ROE) | -15.2047% | 7,340 |
| Retained earnings to average equity (ytd only) | -15.2047% | 7,250 |
| Net charge-offs to loans | 0.4447% | 3,035 |
| Credit loss provision to net charge-offs | 446.9027% | 1,044 |
| Earnings coverage of net charge-offs (x) | -9.0000% | 6,515 |
| Efficiency ratio | 225.7108% | 146 |
| Assets per employee ($millions) | 3.2812% | 5,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2480% | 4,618 |
| Loan loss allowance to noncurrent loans | 947.8723% | 376 |
| Noncurrent assets plus other real estate owned to assets | 1.3139% | 4,314 |
| Noncurrent loans to loans | 0.1317% | 7,189 |
| Net loans and leases to total assets | 79.5808% | 1,380 |
| Net loans and leases to deposits | 103.5226% | 943 |
| Net loans and leases to core deposits | 137.4167% | 1,133 |
| Total domestic deposits to total assets | 76.8729% | 6,358 |
| Equity capital to assets | 21.7749% | 291 |
| Core capital (leverage) ratio | 25.3213% | 199 |
| Tier 1 risk-based capital ratio | 25.2012% | 925 |
| Total risk-based capital ratio | 26.4177% | 908 |
| Memoranda: |
| Average total assets | $69,031,330 | 6,109 |
| Average earning assets | $60,885,000 | 6,189 |
| Average equity | $20,033,330 | 3,236 |
| Average total loans | $50,821,330 | 5,732 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3096% | 7,845 |
| Cost of funding earning assets | 1.6581% | 5,785 |
| Net interest margin | 2.6514% | 7,295 |
| Noninterest income to average assets | 0.0608% | 7,768 |
| Noninterest expense to average assets | 5.9679% | 291 |
| Loan and lease loss provision to assets | 0.8101% | 1,592 |
| Net operating income to assets | -4.4827% | 8,012 |
| Return on assets (ROA) | -4.4827% | 8,005 |
| Pretax return on assets | -4.4827% | 7,950 |
| Return on Equity (ROE) | -13.0167% | 7,522 |
| Retained earnings to average equity (ytd only) | -13.0167% | 7,327 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 260.0000% | 120 |
| Assets per employee ($millions) | 2.3354% | 7,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4442% | 3,262 |
| Loan loss allowance to noncurrent loans | 49.6397% | 5,211 |
| Noncurrent assets plus other real estate owned to assets | 2.1392% | 2,690 |
| Noncurrent loans to loans | 2.9093% | 2,247 |
| Net loans and leases to total assets | 72.4677% | 3,134 |
| Net loans and leases to deposits | 110.8430% | 575 |
| Net loans and leases to core deposits | 237.2624% | 79 |
| Total domestic deposits to total assets | 65.3787% | 7,768 |
| Equity capital to assets | 34.4175% | 111 |
| Core capital (leverage) ratio | 36.1712% | 111 |
| Tier 1 risk-based capital ratio | 41.8540% | 286 |
| Total risk-based capital ratio | 43.1059% | 284 |
| Memoranda: |
| Average total assets | $59,250,500 | 6,497 |
| Average earning assets | $49,935,500 | 6,661 |
| Average equity | $20,404,500 | 3,202 |
| Average total loans | $40,535,000 | 6,213 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0544% | 8,099 |
| Cost of funding earning assets | 1.6030% | 7,444 |
| Net interest margin | 2.4514% | 7,805 |
| Noninterest income to average assets | 0.2156% | 6,891 |
| Noninterest expense to average assets | 6.6901% | 314 |
| Loan and lease loss provision to assets | 1.2247% | 1,171 |
| Net operating income to assets | -5.4986% | 8,121 |
| Return on assets (ROA) | -5.4986% | 8,111 |
| Pretax return on assets | -5.4967% | 8,061 |
| Return on Equity (ROE) | -13.0810% | 7,499 |
| Retained earnings to average equity (ytd only) | -13.0810% | 7,338 |
| Net charge-offs to loans | 0.4913% | 2,396 |
| Credit loss provision to net charge-offs | 500.0000% | 870 |
| Earnings coverage of net charge-offs (x) | -17.4400% | 6,938 |
| Efficiency ratio | 276.6613% | 122 |
| Assets per employee ($millions) | 2.6137% | 6,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3110% | 3,703 |
| Loan loss allowance to noncurrent loans | 40.0320% | 6,059 |
| Noncurrent assets plus other real estate owned to assets | 2.0777% | 2,370 |
| Noncurrent loans to loans | 3.2749% | 1,595 |
| Net loans and leases to total assets | 62.6117% | 5,522 |
| Net loans and leases to deposits | 116.5547% | 502 |
| Net loans and leases to core deposits | 213.1434% | 130 |
| Total domestic deposits to total assets | 53.7187% | 8,091 |
| Equity capital to assets | 34.4573% | 127 |
| Core capital (leverage) ratio | 36.7957% | 127 |
| Tier 1 risk-based capital ratio | 47.4110% | 240 |
| Total risk-based capital ratio | 48.6477% | 239 |
| Memoranda: |
| Average total assets | $51,031,000 | 6,731 |
| Average earning assets | $45,851,250 | 6,775 |
| Average equity | $21,451,000 | 3,045 |
| Average total loans | $25,442,750 | 6,998 |
