| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3203% | 1,459 |
| Cost of funding earning assets | 1.1142% | 3,028 |
| Net interest margin | 4.2061% | 926 |
| Noninterest income to average assets | 6.9800% | 104 |
| Noninterest expense to average assets | 7.6119% | 137 |
| Loan and lease loss provision to assets | -0.0400% | 4,399 |
| Net operating income to assets | 3.1335% | 142 |
| Return on assets (ROA) | 3.1437% | 139 |
| Pretax return on assets | 3.1648% | 176 |
| Return on Equity (ROE) | 18.6200% | 746 |
| Retained earnings to average equity (ytd only) | 6.7966% | 1,959 |
| Net charge-offs to loans | 0.0393% | 1,524 |
| Credit loss provision to net charge-offs | -178.0000% | 4,498 |
| Earnings coverage of net charge-offs (x) | 137.9120% | 752 |
| Efficiency ratio | 70.9654% | 1,762 |
| Assets per employee ($millions) | 2.9990% | 4,384 |
| Cash dividends to net income (ytd only)* | 63.4917% | 1,066 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5008% | 1,049 |
| Loan loss allowance to noncurrent loans | 213.8837% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.4335% | 1,285 |
| Noncurrent loans to loans | 0.7017% | 1,114 |
| Net loans and leases to total assets | 60.8500% | 2,766 |
| Net loans and leases to deposits | 76.8418% | 2,368 |
| Net loans and leases to core deposits | 80.7810% | 2,662 |
| Total domestic deposits to total assets | 79.1900% | 3,584 |
| Equity capital to assets | 16.9756% | 389 |
| Core capital (leverage) ratio | 17.9907% | 345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7137% | 313 |
| Memoranda: |
| Average total assets | $1,107,084,600 | 908 |
| Average earning assets | $985,785,000 | 921 |
| Average equity | $186,947,600 | 568 |
| Average total loans | $636,880,000 | 1,044 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2283% | 1,400 |
| Cost of funding earning assets | 1.0262% | 2,963 |
| Net interest margin | 4.2021% | 920 |
| Noninterest income to average assets | 8.7300% | 94 |
| Noninterest expense to average assets | 8.1244% | 132 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 4.3070% | 99 |
| Return on assets (ROA) | 4.2997% | 99 |
| Pretax return on assets | 4.3320% | 114 |
| Return on Equity (ROE) | 25.3200% | 379 |
| Retained earnings to average equity (ytd only) | 14.9931% | 554 |
| Net charge-offs to loans | 0.0284% | 1,510 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 270.9398% | 481 |
| Efficiency ratio | 65.1842% | 2,369 |
| Assets per employee ($millions) | 3.0129% | 4,396 |
| Cash dividends to net income (ytd only)* | 40.7831% | 1,620 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6615% | 768 |
| Loan loss allowance to noncurrent loans | 201.0403% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.4924% | 1,178 |
| Noncurrent loans to loans | 0.8265% | 999 |
| Net loans and leases to total assets | 55.8000% | 3,220 |
| Net loans and leases to deposits | 69.6001% | 2,867 |
| Net loans and leases to core deposits | 74.4256% | 2,968 |
| Total domestic deposits to total assets | 80.1700% | 3,504 |
| Equity capital to assets | 16.7417% | 410 |
| Core capital (leverage) ratio | 18.0516% | 353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.1901% | 294 |
| Memoranda: |
| Average total assets | $1,107,199,750 | 912 |
| Average earning assets | $984,684,000 | 922 |
| Average equity | $188,029,000 | 561 |
| Average total loans | $625,195,500 | 1,058 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0366% | 1,501 |
| Cost of funding earning assets | 0.8009% | 3,200 |
| Net interest margin | 4.2357% | 879 |
| Noninterest income to average assets | 9.5600% | 92 |
| Noninterest expense to average assets | 8.3868% | 127 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 4.8830% | 75 |
| Return on assets (ROA) | 4.8854% | 76 |
| Pretax return on assets | 4.9373% | 89 |
| Return on Equity (ROE) | 28.6300% | 248 |
| Retained earnings to average equity (ytd only) | 13.0215% | 805 |
| Net charge-offs to loans | 0.0058% | 2,039 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 1,499.1667% | 95 |
| Efficiency ratio | 62.9556% | 2,598 |
| Assets per employee ($millions) | 2.9187% | 4,444 |
| Cash dividends to net income (ytd only)* | 54.5107% | 1,147 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5818% | 965 |
| Loan loss allowance to noncurrent loans | 369.8681% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.3056% | 1,695 |
| Noncurrent loans to loans | 0.4277% | 1,656 |
| Net loans and leases to total assets | 60.0900% | 2,764 |
| Net loans and leases to deposits | 74.6225% | 2,435 |
| Net loans and leases to core deposits | 80.8637% | 2,419 |
| Total domestic deposits to total assets | 80.5200% | 3,499 |
| Equity capital to assets | 16.3356% | 417 |
| Core capital (leverage) ratio | 18.2628% | 331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9931% | 312 |
| Memoranda: |
| Average total assets | $1,093,629,667 | 908 |
| Average earning assets | $970,651,333 | 925 |
| Average equity | $186,645,333 | 557 |
| Average total loans | $616,482,333 | 1,058 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8701% | 1,466 |
| Cost of funding earning assets | 0.6829% | 3,109 |
| Net interest margin | 4.1872% | 968 |
| Noninterest income to average assets | 13.9600% | 83 |
| Noninterest expense to average assets | 9.2232% | 114 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 8.2566% | 47 |
| Return on assets (ROA) | 8.2811% | 48 |
| Pretax return on assets | 8.4538% | 58 |
| Return on Equity (ROE) | 47.4500% | 87 |
| Retained earnings to average equity (ytd only) | 47.4508% | 46 |
| Net charge-offs to loans | -0.0076% | 3,764 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 52.2498% | 3,754 |
| Assets per employee ($millions) | 2.7952% | 4,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8547% | 593 |
| Loan loss allowance to noncurrent loans | 492.1903% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.2248% | 2,002 |
| Noncurrent loans to loans | 0.3768% | 1,801 |
| Net loans and leases to total assets | 52.9600% | 3,279 |
| Net loans and leases to deposits | 67.2138% | 2,834 |
| Net loans and leases to core deposits | 70.5128% | 2,918 |
| Total domestic deposits to total assets | 78.7900% | 3,912 |
| Equity capital to assets | 18.0106% | 300 |
| Core capital (leverage) ratio | 19.8113% | 271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.1394% | 260 |
| Memoranda: |
| Average total assets | $1,074,210,000 | 935 |
| Average earning assets | $947,737,000 | 957 |
| Average equity | $187,470,000 | 563 |
| Average total loans | $579,010,500 | 1,113 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4823% | 3,129 |
| Cost of funding earning assets | 0.3327% | 2,611 |
| Net interest margin | 3.1496% | 3,022 |
| Noninterest income to average assets | 9.2500% | 103 |
| Noninterest expense to average assets | 9.0243% | 117 |
| Loan and lease loss provision to assets | -0.0900% | 4,511 |
| Net operating income to assets | 3.0808% | 106 |
| Return on assets (ROA) | 3.0457% | 105 |
| Pretax return on assets | 3.0586% | 126 |
| Return on Equity (ROE) | 18.8800% | 588 |
| Retained earnings to average equity (ytd only) | 13.9148% | 399 |
| Net charge-offs to loans | -0.0774% | 4,458 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 75.0466% | 1,113 |
| Assets per employee ($millions) | 2.4946% | 4,584 |
| Cash dividends to net income (ytd only)* | 26.2838% | 2,604 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5610% | 1,045 |
| Loan loss allowance to noncurrent loans | 498.1419% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.1725% | 2,342 |
| Noncurrent loans to loans | 0.3134% | 2,027 |
| Net loans and leases to total assets | 53.0000% | 3,283 |
| Net loans and leases to deposits | 66.9398% | 2,820 |
| Net loans and leases to core deposits | 70.1992% | 2,857 |
| Total domestic deposits to total assets | 79.1700% | 3,983 |
| Equity capital to assets | 16.8703% | 341 |
| Core capital (leverage) ratio | 17.1248% | 381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2947% | 324 |
| Memoranda: |
| Average total assets | $1,074,183,400 | 921 |
| Average earning assets | $945,576,400 | 954 |
| Average equity | $173,319,600 | 597 |
| Average total loans | $550,645,200 | 1,103 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0691% | 3,740 |
| Cost of funding earning assets | 0.2520% | 2,677 |
| Net interest margin | 2.8171% | 3,698 |
| Noninterest income to average assets | 10.9900% | 97 |
| Noninterest expense to average assets | 9.6854% | 107 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 3.7781% | 83 |
| Return on assets (ROA) | 3.7276% | 80 |
| Pretax return on assets | 3.7395% | 96 |
| Return on Equity (ROE) | 23.3600% | 240 |
| Retained earnings to average equity (ytd only) | 19.2211% | 128 |
| Net charge-offs to loans | -0.1017% | 4,501 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.8747% | 1,532 |
| Assets per employee ($millions) | 2.6620% | 4,608 |
| Cash dividends to net income (ytd only)* | 17.7258% | 2,564 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7659% | 774 |
| Loan loss allowance to noncurrent loans | 429.2321% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.2071% | 2,225 |
| Noncurrent loans to loans | 0.4114% | 1,790 |
| Net loans and leases to total assets | 48.6000% | 3,568 |
| Net loans and leases to deposits | 59.9227% | 3,204 |
| Net loans and leases to core deposits | 66.4522% | 2,921 |
| Total domestic deposits to total assets | 81.1100% | 3,964 |
| Equity capital to assets | 15.8718% | 379 |
| Core capital (leverage) ratio | 16.4334% | 405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9312% | 436 |
| Memoranda: |
| Average total assets | $1,079,554,000 | 922 |
| Average earning assets | $951,838,750 | 957 |
| Average equity | $172,251,000 | 608 |
| Average total loans | $546,616,750 | 1,103 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6514% | 4,217 |
| Cost of funding earning assets | 0.2162% | 2,691 |
| Net interest margin | 2.4352% | 4,182 |
| Noninterest income to average assets | 14.9088% | 44 |
| Noninterest expense to average assets | 10.6853% | 66 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 6.3033% | 28 |
| Return on assets (ROA) | 6.2547% | 26 |
| Pretax return on assets | 6.3169% | 28 |
| Return on Equity (ROE) | 39.1278% | 27 |
| Retained earnings to average equity (ytd only) | 39.1278% | 11 |
| Net charge-offs to loans | -0.0707% | 4,352 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6656% | 2,959 |
| Assets per employee ($millions) | 2.4787% | 4,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7723% | 846 |
| Loan loss allowance to noncurrent loans | 345.6670% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.2544% | 2,042 |
| Noncurrent loans to loans | 0.5127% | 1,599 |
| Net loans and leases to total assets | 48.7409% | 3,489 |
| Net loans and leases to deposits | 61.5089% | 2,924 |
| Net loans and leases to core deposits | 63.6437% | 2,998 |
| Total domestic deposits to total assets | 79.2421% | 4,282 |
| Equity capital to assets | 17.4520% | 252 |
| Core capital (leverage) ratio | 19.0624% | 233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8846% | 325 |
| Memoranda: |
| Average total assets | $1,064,059,333 | 926 |
| Average earning assets | $936,201,333 | 974 |
| Average equity | $170,094,000 | 622 |
| Average total loans | $543,116,667 | 1,104 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.4679% | 4,307 |
| Cost of funding earning assets | 0.2230% | 2,483 |
| Net interest margin | 2.2449% | 4,297 |
| Noninterest income to average assets | 9.5993% | 63 |
| Noninterest expense to average assets | 10.6070% | 67 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0340% | 1,745 |
| Return on assets (ROA) | 0.9734% | 1,983 |
| Pretax return on assets | 0.9040% | 2,762 |
| Return on Equity (ROE) | 6.3948% | 3,219 |
| Retained earnings to average equity (ytd only) | 6.3948% | 2,110 |
| Net charge-offs to loans | -0.1685% | 4,568 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6639% | 476 |
| Assets per employee ($millions) | 2.4254% | 4,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8234% | 846 |
| Loan loss allowance to noncurrent loans | 253.4139% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 0.3601% | 1,671 |
| Noncurrent loans to loans | 0.7195% | 1,320 |
| Net loans and leases to total assets | 49.1348% | 3,262 |
| Net loans and leases to deposits | 60.5620% | 2,849 |
| Net loans and leases to core deposits | 61.7866% | 2,989 |
| Total domestic deposits to total assets | 81.1314% | 4,188 |
| Equity capital to assets | 15.3040% | 367 |
| Core capital (leverage) ratio | 16.3078% | 322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8249% | 579 |
| Memoranda: |
| Average total assets | $1,049,532,000 | 942 |
| Average earning assets | $922,073,500 | 993 |
| Average equity | $159,756,000 | 680 |
| Average total loans | $543,471,500 | 1,093 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.0827% | 4,661 |
| Cost of funding earning assets | 0.3301% | 2,119 |
| Net interest margin | 1.7526% | 4,677 |
| Noninterest income to average assets | 15.7776% | 44 |
| Noninterest expense to average assets | 13.0625% | 53 |
| Loan and lease loss provision to assets | -0.0731% | 4,457 |
| Net operating income to assets | 4.2998% | 54 |
| Return on assets (ROA) | 4.3012% | 55 |
| Pretax return on assets | 4.3548% | 68 |
| Return on Equity (ROE) | 28.4634% | 80 |
| Retained earnings to average equity (ytd only) | -0.1658% | 4,514 |
| Net charge-offs to loans | -0.0104% | 3,754 |
| Credit loss provision to net charge-offs | 1,422.4138% | 407 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3195% | 1,171 |
| Assets per employee ($millions) | 2.3566% | 4,750 |
| Cash dividends to net income (ytd only)* | 100.5826% | 193 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6892% | 1,073 |
| Loan loss allowance to noncurrent loans | 213.2896% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 0.4241% | 1,547 |
| Noncurrent loans to loans | 0.7920% | 1,283 |
| Net loans and leases to total assets | 52.6391% | 2,993 |
| Net loans and leases to deposits | 65.2319% | 2,573 |
| Net loans and leases to core deposits | 67.0941% | 2,725 |
| Total domestic deposits to total assets | 80.6954% | 4,143 |
| Equity capital to assets | 15.1380% | 477 |
| Core capital (leverage) ratio | 14.7472% | 499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3873% | 612 |
| Memoranda: |
| Average total assets | $1,129,268,200 | 876 |
| Average earning assets | $1,008,567,200 | 901 |
| Average equity | $170,647,000 | 629 |
| Average total loans | $555,425,400 | 1,080 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.0177% | 4,760 |
| Cost of funding earning assets | 0.3545% | 2,071 |
| Net interest margin | 1.6632% | 4,778 |
| Noninterest income to average assets | 16.6654% | 44 |
| Noninterest expense to average assets | 13.3171% | 51 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 4.7392% | 54 |
| Return on assets (ROA) | 4.7410% | 52 |
| Pretax return on assets | 4.8371% | 67 |
| Return on Equity (ROE) | 31.3862% | 78 |
| Retained earnings to average equity (ytd only) | 16.3004% | 277 |
| Net charge-offs to loans | -0.0260% | 4,077 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3629% | 1,273 |
| Assets per employee ($millions) | 2.5933% | 4,809 |
| Cash dividends to net income (ytd only)* | 48.0652% | 1,276 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8253% | 887 |
| Loan loss allowance to noncurrent loans | 217.6284% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.4156% | 1,801 |
| Noncurrent loans to loans | 0.8387% | 1,363 |
| Net loans and leases to total assets | 48.6424% | 3,560 |
| Net loans and leases to deposits | 60.8829% | 3,149 |
| Net loans and leases to core deposits | 63.9025% | 3,151 |
| Total domestic deposits to total assets | 79.8950% | 4,241 |
| Equity capital to assets | 15.8007% | 438 |
| Core capital (leverage) ratio | 16.3507% | 367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4306% | 406 |
| Memoranda: |
| Average total assets | $1,151,184,000 | 868 |
| Average earning assets | $1,029,146,000 | 889 |
| Average equity | $173,889,250 | 629 |
| Average total loans | $554,853,500 | 1,103 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.9686% | 4,813 |
| Cost of funding earning assets | 0.3946% | 1,935 |
| Net interest margin | 1.5740% | 4,835 |
| Noninterest income to average assets | 18.0295% | 43 |
| Noninterest expense to average assets | 13.3450% | 50 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 5.9538% | 42 |
| Return on assets (ROA) | 5.9529% | 43 |
| Pretax return on assets | 6.0873% | 55 |
| Return on Equity (ROE) | 40.0148% | 43 |
| Retained earnings to average equity (ytd only) | 17.1224% | 264 |
| Net charge-offs to loans | -0.0304% | 4,161 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6714% | 1,800 |
| Assets per employee ($millions) | 2.6193% | 4,840 |
| Cash dividends to net income (ytd only)* | 57.2097% | 1,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9159% | 712 |
| Loan loss allowance to noncurrent loans | 138.2876% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 0.6688% | 1,242 |
| Noncurrent loans to loans | 1.3854% | 841 |
| Net loans and leases to total assets | 47.3503% | 3,791 |
| Net loans and leases to deposits | 59.3460% | 3,441 |
| Net loans and leases to core deposits | 61.8667% | 3,470 |
| Total domestic deposits to total assets | 79.7868% | 4,258 |
| Equity capital to assets | 15.6329% | 455 |
| Core capital (leverage) ratio | 15.7950% | 395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9850% | 380 |
| Memoranda: |
| Average total assets | $1,155,428,000 | 857 |
| Average earning assets | $1,030,390,333 | 883 |
| Average equity | $171,891,333 | 631 |
| Average total loans | $551,782,667 | 1,108 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.9826% | 4,842 |
| Cost of funding earning assets | 0.4514% | 1,713 |
| Net interest margin | 1.5312% | 4,869 |
| Noninterest income to average assets | 21.2610% | 39 |
| Noninterest expense to average assets | 14.4719% | 45 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 7.9686% | 33 |
| Return on assets (ROA) | 7.9563% | 32 |
| Pretax return on assets | 8.1359% | 42 |
| Return on Equity (ROE) | 54.7937% | 24 |
| Retained earnings to average equity (ytd only) | 54.7937% | 11 |
| Net charge-offs to loans | -0.0114% | 3,720 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9773% | 2,467 |
| Assets per employee ($millions) | 2.8681% | 4,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7435% | 953 |
| Loan loss allowance to noncurrent loans | 246.2950% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.3612% | 2,356 |
| Noncurrent loans to loans | 0.7079% | 1,823 |
| Net loans and leases to total assets | 47.6246% | 3,848 |
| Net loans and leases to deposits | 58.8986% | 3,571 |
| Net loans and leases to core deposits | 61.9816% | 3,571 |
| Total domestic deposits to total assets | 80.8585% | 4,085 |
| Equity capital to assets | 15.1345% | 476 |
| Core capital (leverage) ratio | 15.9879% | 380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1012% | 398 |
| Memoranda: |
| Average total assets | $1,177,840,000 | 837 |
| Average earning assets | $1,045,708,000 | 867 |
| Average equity | $171,027,000 | 630 |
| Average total loans | $559,601,000 | 1,099 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9699% | 4,654 |
| Cost of funding earning assets | 0.9524% | 710 |
| Net interest margin | 2.0175% | 4,822 |
| Noninterest income to average assets | 29.7965% | 32 |
| Noninterest expense to average assets | 16.1730% | 44 |
| Loan and lease loss provision to assets | 0.3085% | 1,212 |
| Net operating income to assets | 14.8234% | 13 |
| Return on assets (ROA) | 14.8337% | 13 |
| Pretax return on assets | 15.0927% | 16 |
| Return on Equity (ROE) | 101.4532% | 4 |
| Retained earnings to average equity (ytd only) | 30.8906% | 26 |
| Net charge-offs to loans | 0.0023% | 3,316 |
| Credit loss provision to net charge-offs | 22,500.0000% | 41 |
| Earnings coverage of net charge-offs (x) | 11,226.5714% | 5 |
| Efficiency ratio | 51.2392% | 4,447 |
| Assets per employee ($millions) | 2.7121% | 4,866 |
| Cash dividends to net income (ytd only)* | 69.5519% | 968 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9394% | 659 |
| Loan loss allowance to noncurrent loans | 234.3146% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.3971% | 2,398 |
| Noncurrent loans to loans | 0.8277% | 1,691 |
| Net loans and leases to total assets | 44.7954% | 4,207 |
| Net loans and leases to deposits | 55.3660% | 4,039 |
| Net loans and leases to core deposits | 58.3856% | 4,030 |
| Total domestic deposits to total assets | 80.9077% | 3,889 |
| Equity capital to assets | 13.8998% | 819 |
| Core capital (leverage) ratio | 14.4430% | 609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8284% | 515 |
| Memoranda: |
| Average total assets | $1,021,216,800 | 868 |
| Average earning assets | $894,482,600 | 905 |
| Average equity | $149,314,200 | 680 |
| Average total loans | $606,980,400 | 964 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1618% | 4,621 |
| Cost of funding earning assets | 1.0589% | 619 |
| Net interest margin | 2.1030% | 4,851 |
| Noninterest income to average assets | 30.6573% | 32 |
| Noninterest expense to average assets | 16.8360% | 43 |
| Loan and lease loss provision to assets | 0.4247% | 792 |
| Net operating income to assets | 14.8087% | 13 |
| Return on assets (ROA) | 14.8177% | 13 |
| Pretax return on assets | 15.2506% | 18 |
| Return on Equity (ROE) | 99.9111% | 4 |
| Retained earnings to average equity (ytd only) | 77.8804% | 4 |
| Net charge-offs to loans | -0.0550% | 4,697 |
| Credit loss provision to net charge-offs | -1,216.2162% | 3,969 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8001% | 4,358 |
| Assets per employee ($millions) | 2.6953% | 4,903 |
| Cash dividends to net income (ytd only)* | 22.0503% | 2,694 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6761% | 931 |
| Loan loss allowance to noncurrent loans | 224.1003% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.4173% | 2,500 |
| Noncurrent loans to loans | 0.7479% | 1,933 |
| Net loans and leases to total assets | 54.8613% | 3,727 |
| Net loans and leases to deposits | 71.3367% | 3,192 |
| Net loans and leases to core deposits | 75.7285% | 3,192 |
| Total domestic deposits to total assets | 76.9048% | 4,334 |
| Equity capital to assets | 16.8847% | 388 |
| Core capital (leverage) ratio | 18.0847% | 274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9109% | 413 |
| Memoranda: |
| Average total assets | $989,035,500 | 877 |
| Average earning assets | $867,578,000 | 917 |
| Average equity | $146,682,750 | 680 |
| Average total loans | $627,398,250 | 938 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4693% | 4,452 |
| Cost of funding earning assets | 1.1807% | 539 |
| Net interest margin | 2.2887% | 4,840 |
| Noninterest income to average assets | 31.7584% | 29 |
| Noninterest expense to average assets | 17.4821% | 41 |
| Loan and lease loss provision to assets | 0.2432% | 1,730 |
| Net operating income to assets | 15.5955% | 11 |
| Return on assets (ROA) | 15.6141% | 11 |
| Pretax return on assets | 16.0628% | 12 |
| Return on Equity (ROE) | 111.3601% | 4 |
| Retained earnings to average equity (ytd only) | 108.7964% | 2 |
| Net charge-offs to loans | -0.0783% | 4,800 |
| Credit loss provision to net charge-offs | -467.4797% | 3,605 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7698% | 4,373 |
| Assets per employee ($millions) | 2.6894% | 4,929 |
| Cash dividends to net income (ytd only)* | 2.3022% | 3,160 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2327% | 2,341 |
| Loan loss allowance to noncurrent loans | 152.7667% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 0.5166% | 2,283 |
| Noncurrent loans to loans | 0.8069% | 1,882 |
| Net loans and leases to total assets | 63.2390% | 2,972 |
| Net loans and leases to deposits | 84.9116% | 1,900 |
| Net loans and leases to core deposits | 89.8362% | 2,083 |
| Total domestic deposits to total assets | 74.4762% | 4,560 |
| Equity capital to assets | 16.3848% | 423 |
| Core capital (leverage) ratio | 17.9723% | 289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1918% | 562 |
| Memoranda: |
| Average total assets | $945,861,333 | 895 |
| Average earning assets | $830,882,333 | 934 |
| Average equity | $132,622,000 | 742 |
| Average total loans | $628,492,000 | 931 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7988% | 4,235 |
| Cost of funding earning assets | 1.3545% | 478 |
| Net interest margin | 2.4443% | 4,853 |
| Noninterest income to average assets | 22.2883% | 34 |
| Noninterest expense to average assets | 15.9474% | 45 |
| Loan and lease loss provision to assets | 0.0679% | 2,908 |
| Net operating income to assets | 8.3847% | 19 |
| Return on assets (ROA) | 8.4065% | 20 |
| Pretax return on assets | 8.4481% | 21 |
| Return on Equity (ROE) | 66.7724% | 7 |
| Retained earnings to average equity (ytd only) | 64.9746% | 3 |
| Net charge-offs to loans | -0.1573% | 4,905 |
| Credit loss provision to net charge-offs | -63.5593% | 3,147 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2467% | 3,056 |
| Assets per employee ($millions) | 2.4578% | 4,972 |
| Cash dividends to net income (ytd only)* | 2.6925% | 2,559 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1902% | 2,722 |
| Loan loss allowance to noncurrent loans | 124.6314% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 0.6390% | 2,081 |
| Noncurrent loans to loans | 0.9550% | 1,723 |
| Net loans and leases to total assets | 66.1121% | 2,803 |
| Net loans and leases to deposits | 92.8342% | 1,200 |
| Net loans and leases to core deposits | 101.4079% | 1,368 |
| Total domestic deposits to total assets | 71.2152% | 4,805 |
| Equity capital to assets | 12.9064% | 1,482 |
| Core capital (leverage) ratio | 14.5775% | 775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3635% | 1,512 |
| Memoranda: |
| Average total assets | $883,604,500 | 929 |
| Average earning assets | $778,465,500 | 962 |
| Average equity | $111,243,500 | 862 |
| Average total loans | $600,067,000 | 942 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3168% | 3,491 |
| Cost of funding earning assets | 1.7342% | 175 |
| Net interest margin | 2.5826% | 4,920 |
| Noninterest income to average assets | 18.2030% | 40 |
| Noninterest expense to average assets | 13.8713% | 48 |
| Loan and lease loss provision to assets | 0.0331% | 3,353 |
| Net operating income to assets | 6.4850% | 26 |
| Return on assets (ROA) | 6.5170% | 28 |
| Pretax return on assets | 6.6233% | 35 |
| Return on Equity (ROE) | 53.2963% | 9 |
| Retained earnings to average equity (ytd only) | 18.6200% | 44 |
| Net charge-offs to loans | 0.0270% | 2,856 |
| Credit loss provision to net charge-offs | 177.0833% | 1,470 |
| Earnings coverage of net charge-offs (x) | 354.3750% | 249 |
| Efficiency ratio | 67.6813% | 2,504 |
| Assets per employee ($millions) | 2.3149% | 5,050 |
| Cash dividends to net income (ytd only)* | 65.0633% | 1,326 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2260% | 2,302 |
| Loan loss allowance to noncurrent loans | 104.2887% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 0.8114% | 1,597 |
| Noncurrent loans to loans | 1.1755% | 1,283 |
| Net loans and leases to total assets | 68.1776% | 2,656 |
| Net loans and leases to deposits | 98.5655% | 711 |
| Net loans and leases to core deposits | 104.7445% | 1,182 |
| Total domestic deposits to total assets | 69.1699% | 4,963 |
| Equity capital to assets | 12.2305% | 1,992 |
| Core capital (leverage) ratio | 11.7757% | 1,907 |
| Tier 1 risk-based capital ratio | 12.6964% | 3,953 |
| Total risk-based capital ratio | 13.6933% | 3,979 |
| Memoranda: |
| Average total assets | $770,413,000 | 1,004 |
| Average earning assets | $683,718,800 | 1,022 |
| Average equity | $94,205,400 | 940 |
| Average total loans | $532,513,000 | 1,012 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3715% | 3,444 |
| Cost of funding earning assets | 1.7813% | 149 |
| Net interest margin | 2.5902% | 5,009 |
| Noninterest income to average assets | 17.7003% | 39 |
| Noninterest expense to average assets | 13.4524% | 50 |
| Loan and lease loss provision to assets | 0.0451% | 3,004 |
| Net operating income to assets | 6.2066% | 26 |
| Return on assets (ROA) | 6.2429% | 27 |
| Pretax return on assets | 6.5365% | 35 |
| Return on Equity (ROE) | 51.0574% | 10 |
| Retained earnings to average equity (ytd only) | 27.7943% | 18 |
| Net charge-offs to loans | 0.0049% | 3,219 |
| Credit loss provision to net charge-offs | 1,342.1053% | 278 |
| Earnings coverage of net charge-offs (x) | 1,949.6289% | 37 |
| Efficiency ratio | 67.2748% | 2,530 |
| Assets per employee ($millions) | 2.2493% | 5,131 |
| Cash dividends to net income (ytd only)* | 45.5626% | 1,898 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2824% | 2,045 |
| Loan loss allowance to noncurrent loans | 112.3513% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 0.7845% | 1,756 |
| Noncurrent loans to loans | 1.1414% | 1,390 |
| Net loans and leases to total assets | 67.8481% | 2,809 |
| Net loans and leases to deposits | 88.4724% | 1,870 |
| Net loans and leases to core deposits | 93.3251% | 2,239 |
| Total domestic deposits to total assets | 76.6885% | 4,560 |
| Equity capital to assets | 12.7531% | 1,754 |
| Core capital (leverage) ratio | 12.4753% | 1,581 |
| Tier 1 risk-based capital ratio | 14.0852% | 3,287 |
| Total risk-based capital ratio | 15.1373% | 3,294 |
| Memoranda: |
| Average total assets | $754,674,500 | 1,022 |
| Average earning assets | $668,922,250 | 1,039 |
| Average equity | $92,275,500 | 958 |
| Average total loans | $521,835,750 | 1,032 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4285% | 3,254 |
| Cost of funding earning assets | 1.8198% | 121 |
| Net interest margin | 2.6087% | 5,070 |
| Noninterest income to average assets | 14.3852% | 48 |
| Noninterest expense to average assets | 12.4563% | 53 |
| Loan and lease loss provision to assets | 0.0694% | 2,434 |
| Net operating income to assets | 4.0288% | 50 |
| Return on assets (ROA) | 4.0367% | 54 |
| Pretax return on assets | 4.1779% | 57 |
| Return on Equity (ROE) | 33.5470% | 28 |
| Retained earnings to average equity (ytd only) | 22.5765% | 41 |
| Net charge-offs to loans | -0.0192% | 4,534 |
| Credit loss provision to net charge-offs | -520.4082% | 4,144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6087% | 1,570 |
| Assets per employee ($millions) | 2.3691% | 5,156 |
| Cash dividends to net income (ytd only)* | 32.7018% | 2,517 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2942% | 2,041 |
| Loan loss allowance to noncurrent loans | 316.9291% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.2855% | 3,415 |
| Noncurrent loans to loans | 0.4084% | 3,068 |
| Net loans and leases to total assets | 69.0029% | 2,678 |
| Net loans and leases to deposits | 92.9034% | 1,385 |
| Net loans and leases to core deposits | 96.9774% | 1,979 |
| Total domestic deposits to total assets | 74.2738% | 4,813 |
| Equity capital to assets | 11.8113% | 2,331 |
| Core capital (leverage) ratio | 11.2229% | 2,400 |
| Tier 1 risk-based capital ratio | 12.3790% | 4,193 |
| Total risk-based capital ratio | 13.4676% | 4,162 |
| Memoranda: |
| Average total assets | $734,811,330 | 1,040 |
| Average earning assets | $650,746,670 | 1,062 |
| Average equity | $88,419,330 | 984 |
| Average total loans | $509,234,330 | 1,062 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4795% | 2,941 |
| Cost of funding earning assets | 1.7873% | 105 |
| Net interest margin | 2.6922% | 5,071 |
| Noninterest income to average assets | 13.1262% | 49 |
| Noninterest expense to average assets | 11.0385% | 55 |
| Loan and lease loss provision to assets | 0.1453% | 1,169 |
| Net operating income to assets | 4.3178% | 49 |
| Return on assets (ROA) | 4.3258% | 52 |
| Pretax return on assets | 4.3327% | 62 |
| Return on Equity (ROE) | 35.5760% | 32 |
| Retained earnings to average equity (ytd only) | 22.2174% | 69 |
| Net charge-offs to loans | -0.0215% | 4,518 |
| Credit loss provision to net charge-offs | -980.7692% | 3,923 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1771% | 2,163 |
| Assets per employee ($millions) | 2.3204% | 5,226 |
| Cash dividends to net income (ytd only)* | 37.5494% | 1,998 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4663% | 1,448 |
| Loan loss allowance to noncurrent loans | 304.7257% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.3295% | 3,282 |
| Noncurrent loans to loans | 0.4812% | 2,867 |
| Net loans and leases to total assets | 67.4684% | 2,830 |
| Net loans and leases to deposits | 93.2084% | 1,258 |
| Net loans and leases to core deposits | 95.8393% | 1,940 |
| Total domestic deposits to total assets | 72.3845% | 5,026 |
| Equity capital to assets | 12.2731% | 1,857 |
| Core capital (leverage) ratio | 11.7084% | 1,973 |
| Tier 1 risk-based capital ratio | 12.5251% | 4,155 |
| Total risk-based capital ratio | 13.6806% | 4,076 |
| Memoranda: |
| Average total assets | $701,833,000 | 1,078 |
| Average earning assets | $621,045,000 | 1,114 |
| Average equity | $85,338,500 | 1,014 |
| Average total loans | $483,952,500 | 1,113 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2313% | 3,352 |
| Cost of funding earning assets | 1.4209% | 128 |
| Net interest margin | 2.8104% | 5,013 |
| Noninterest income to average assets | 10.8815% | 51 |
| Noninterest expense to average assets | 11.3035% | 55 |
| Loan and lease loss provision to assets | 0.4340% | 300 |
| Net operating income to assets | 1.5701% | 947 |
| Return on assets (ROA) | 1.5834% | 906 |
| Pretax return on assets | 1.6568% | 1,291 |
| Return on Equity (ROE) | 12.6916% | 1,471 |
| Retained earnings to average equity (ytd only) | 3.9744% | 3,388 |
| Net charge-offs to loans | 0.1311% | 1,439 |
| Credit loss provision to net charge-offs | 487.0466% | 705 |
| Earnings coverage of net charge-offs (x) | 23.3092% | 1,857 |
| Efficiency ratio | 84.4779% | 620 |
| Assets per employee ($millions) | 2.1725% | 5,291 |
| Cash dividends to net income (ytd only)* | 68.6850% | 1,136 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4601% | 1,417 |
| Loan loss allowance to noncurrent loans | 390.3825% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.2598% | 3,547 |
| Noncurrent loans to loans | 0.3740% | 3,197 |
| Net loans and leases to total assets | 68.4490% | 2,815 |
| Net loans and leases to deposits | 102.6547% | 554 |
| Net loans and leases to core deposits | 105.1708% | 1,326 |
| Total domestic deposits to total assets | 66.6788% | 5,235 |
| Equity capital to assets | 12.0399% | 1,870 |
| Core capital (leverage) ratio | 11.4827% | 2,118 |
| Tier 1 risk-based capital ratio | 12.2589% | 4,257 |
| Total risk-based capital ratio | 13.4158% | 4,204 |
| Memoranda: |
| Average total assets | $649,808,800 | 1,115 |
| Average earning assets | $577,783,400 | 1,163 |
| Average equity | $81,069,200 | 1,016 |
| Average total loans | $441,559,800 | 1,161 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1697% | 3,411 |
| Cost of funding earning assets | 1.3436% | 143 |
| Net interest margin | 2.8261% | 5,059 |
| Noninterest income to average assets | 11.7677% | 52 |
| Noninterest expense to average assets | 11.7166% | 52 |
| Loan and lease loss provision to assets | 0.4928% | 230 |
| Net operating income to assets | 1.9990% | 379 |
| Return on assets (ROA) | 2.0123% | 363 |
| Pretax return on assets | 2.0849% | 503 |
| Return on Equity (ROE) | 15.9806% | 698 |
| Retained earnings to average equity (ytd only) | 5.9070% | 2,701 |
| Net charge-offs to loans | 0.0680% | 1,861 |
| Credit loss provision to net charge-offs | 1,072.3982% | 393 |
| Earnings coverage of net charge-offs (x) | 55.7917% | 1,103 |
| Efficiency ratio | 82.0456% | 772 |
| Assets per employee ($millions) | 2.0058% | 5,378 |
| Cash dividends to net income (ytd only)* | 63.0361% | 1,083 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5225% | 1,274 |
| Loan loss allowance to noncurrent loans | 232.4058% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.4521% | 2,882 |
| Noncurrent loans to loans | 0.6551% | 2,444 |
| Net loans and leases to total assets | 67.9597% | 2,949 |
| Net loans and leases to deposits | 95.1152% | 1,253 |
| Net loans and leases to core deposits | 97.6824% | 1,967 |
| Total domestic deposits to total assets | 71.4500% | 5,164 |
| Equity capital to assets | 12.5853% | 1,530 |
| Core capital (leverage) ratio | 11.4084% | 2,239 |
| Tier 1 risk-based capital ratio | 13.2422% | 3,765 |
| Total risk-based capital ratio | 14.4617% | 3,695 |
| Memoranda: |
| Average total assets | $641,173,000 | 1,128 |
| Average earning assets | $570,096,500 | 1,182 |
| Average equity | $80,737,750 | 1,016 |
| Average total loans | $433,106,500 | 1,174 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9796% | 3,844 |
| Cost of funding earning assets | 1.2191% | 169 |
| Net interest margin | 2.7605% | 5,165 |
| Noninterest income to average assets | 11.9246% | 52 |
| Noninterest expense to average assets | 11.5445% | 54 |
| Loan and lease loss provision to assets | 0.6179% | 163 |
| Net operating income to assets | 2.1441% | 281 |
| Return on assets (ROA) | 2.1603% | 267 |
| Pretax return on assets | 2.2365% | 363 |
| Return on Equity (ROE) | 17.1525% | 504 |
| Retained earnings to average equity (ytd only) | 8.5600% | 1,368 |
| Net charge-offs to loans | 0.0477% | 1,933 |
| Credit loss provision to net charge-offs | 1,931.3725% | 220 |
| Earnings coverage of net charge-offs (x) | 88.6961% | 759 |
| Efficiency ratio | 80.2687% | 984 |
| Assets per employee ($millions) | 2.1160% | 5,431 |
| Cash dividends to net income (ytd only)* | 50.0944% | 1,661 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4497% | 1,561 |
| Loan loss allowance to noncurrent loans | 251.7440% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.3939% | 3,166 |
| Noncurrent loans to loans | 0.5759% | 2,695 |
| Net loans and leases to total assets | 67.4146% | 2,960 |
| Net loans and leases to deposits | 100.7751% | 755 |
| Net loans and leases to core deposits | 103.4703% | 1,437 |
| Total domestic deposits to total assets | 66.8962% | 5,366 |
| Equity capital to assets | 12.3829% | 1,610 |
| Core capital (leverage) ratio | 12.1628% | 1,612 |
| Tier 1 risk-based capital ratio | 12.9292% | 3,931 |
| Total risk-based capital ratio | 14.0571% | 3,913 |
| Memoranda: |
| Average total assets | $637,604,000 | 1,139 |
| Average earning assets | $567,642,670 | 1,186 |
| Average equity | $80,303,330 | 1,019 |
| Average total loans | $427,520,330 | 1,192 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8770% | 3,994 |
| Cost of funding earning assets | 1.1176% | 209 |
| Net interest margin | 2.7594% | 5,197 |
| Noninterest income to average assets | 11.0414% | 53 |
| Noninterest expense to average assets | 11.1137% | 60 |
| Loan and lease loss provision to assets | 0.8765% | 100 |
| Net operating income to assets | 1.4529% | 1,188 |
| Return on assets (ROA) | 1.4689% | 1,153 |
| Pretax return on assets | 1.5258% | 1,612 |
| Return on Equity (ROE) | 11.5598% | 1,737 |
| Retained earnings to average equity (ytd only) | 1.2385% | 4,568 |
| Net charge-offs to loans | -0.1109% | 5,237 |
| Credit loss provision to net charge-offs | -1,191.3043% | 4,197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3279% | 918 |
| Assets per employee ($millions) | 2.0771% | 5,498 |
| Cash dividends to net income (ytd only)* | 89.2857% | 701 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4980% | 1,476 |
| Loan loss allowance to noncurrent loans | 196.4740% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.5086% | 2,831 |
| Noncurrent loans to loans | 0.7625% | 2,292 |
| Net loans and leases to total assets | 65.7045% | 3,085 |
| Net loans and leases to deposits | 98.4867% | 827 |
| Net loans and leases to core deposits | 98.9704% | 1,769 |
| Total domestic deposits to total assets | 66.7141% | 5,451 |
| Equity capital to assets | 12.8009% | 1,341 |
| Core capital (leverage) ratio | 12.1808% | 1,541 |
| Tier 1 risk-based capital ratio | 13.2548% | 3,809 |
| Total risk-based capital ratio | 14.3743% | 3,795 |
| Memoranda: |
| Average total assets | $625,248,000 | 1,175 |
| Average earning assets | $556,923,000 | 1,214 |
| Average equity | $79,448,000 | 1,037 |
| Average total loans | $414,747,500 | 1,227 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7256% | 4,276 |
| Cost of funding earning assets | 0.9504% | 289 |
| Net interest margin | 2.7752% | 5,202 |
| Noninterest income to average assets | 10.2282% | 56 |
| Noninterest expense to average assets | 10.9513% | 61 |
| Loan and lease loss provision to assets | 0.0804% | 2,596 |
| Net operating income to assets | 1.7193% | 506 |
| Return on assets (ROA) | 1.7293% | 506 |
| Pretax return on assets | 1.6851% | 1,043 |
| Return on Equity (ROE) | 13.9845% | 762 |
| Retained earnings to average equity (ytd only) | 11.0279% | 246 |
| Net charge-offs to loans | -0.0488% | 5,177 |
| Credit loss provision to net charge-offs | -256.5445% | 4,850 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1845% | 634 |
| Assets per employee ($millions) | 2.1928% | 5,542 |
| Cash dividends to net income (ytd only)* | 21.1420% | 3,637 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1281% | 3,198 |
| Loan loss allowance to noncurrent loans | 224.6654% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.3313% | 3,544 |
| Noncurrent loans to loans | 0.5021% | 3,017 |
| Net loans and leases to total assets | 65.2259% | 3,199 |
| Net loans and leases to deposits | 95.1874% | 1,157 |
| Net loans and leases to core deposits | 95.5766% | 2,070 |
| Total domestic deposits to total assets | 68.5237% | 5,453 |
| Equity capital to assets | 12.6143% | 1,448 |
| Core capital (leverage) ratio | 11.8508% | 1,691 |
| Tier 1 risk-based capital ratio | 14.9510% | 2,872 |
| Total risk-based capital ratio | 15.8856% | 2,945 |
| Memoranda: |
| Average total assets | $609,679,400 | 1,176 |
| Average earning assets | $544,531,800 | 1,217 |
| Average equity | $75,390,800 | 1,067 |
| Average total loans | $391,676,400 | 1,258 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6661% | 4,408 |
| Cost of funding earning assets | 0.8826% | 387 |
| Net interest margin | 2.7835% | 5,246 |
| Noninterest income to average assets | 10.2282% | 60 |
| Noninterest expense to average assets | 11.0322% | 61 |
| Loan and lease loss provision to assets | 0.0750% | 2,570 |
| Net operating income to assets | 1.6639% | 622 |
| Return on assets (ROA) | 1.6727% | 630 |
| Pretax return on assets | 1.6160% | 1,365 |
| Return on Equity (ROE) | 13.5962% | 914 |
| Retained earnings to average equity (ytd only) | 11.3914% | 354 |
| Net charge-offs to loans | -0.0543% | 5,182 |
| Credit loss provision to net charge-offs | -216.5605% | 4,646 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7694% | 586 |
| Assets per employee ($millions) | 2.3167% | 5,572 |
| Cash dividends to net income (ytd only)* | 16.2159% | 3,288 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0378% | 3,854 |
| Loan loss allowance to noncurrent loans | 222.7923% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.3028% | 3,858 |
| Noncurrent loans to loans | 0.4658% | 3,303 |
| Net loans and leases to total assets | 64.3174% | 3,347 |
| Net loans and leases to deposits | 95.5863% | 1,143 |
| Net loans and leases to core deposits | 95.9387% | 2,081 |
| Total domestic deposits to total assets | 67.2873% | 5,560 |
| Equity capital to assets | 11.7637% | 2,140 |
| Core capital (leverage) ratio | 11.5352% | 1,992 |
| Tier 1 risk-based capital ratio | 15.1308% | 2,869 |
| Total risk-based capital ratio | 16.0557% | 2,942 |
| Memoranda: |
| Average total assets | $604,117,750 | 1,196 |
| Average earning assets | $539,598,000 | 1,232 |
| Average equity | $74,323,000 | 1,082 |
| Average total loans | $385,340,500 | 1,281 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6117% | 4,483 |
| Cost of funding earning assets | 0.8194% | 477 |
| Net interest margin | 2.7923% | 5,259 |
| Noninterest income to average assets | 10.0196% | 58 |
| Noninterest expense to average assets | 10.8117% | 61 |
| Loan and lease loss provision to assets | 0.0653% | 2,666 |
| Net operating income to assets | 1.7430% | 512 |
| Return on assets (ROA) | 1.7527% | 509 |
| Pretax return on assets | 1.6431% | 1,215 |
| Return on Equity (ROE) | 14.0108% | 808 |
| Retained earnings to average equity (ytd only) | 10.6365% | 488 |
| Net charge-offs to loans | -0.0711% | 5,303 |
| Credit loss provision to net charge-offs | -145.0382% | 4,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4214% | 662 |
| Assets per employee ($millions) | 2.1830% | 5,642 |
| Cash dividends to net income (ytd only)* | 24.0839% | 2,977 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0950% | 3,612 |
| Loan loss allowance to noncurrent loans | 250.4328% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.2759% | 4,016 |
| Noncurrent loans to loans | 0.4372% | 3,444 |
| Net loans and leases to total assets | 61.4973% | 3,690 |
| Net loans and leases to deposits | 92.5339% | 1,425 |
| Net loans and leases to core deposits | 92.8986% | 2,256 |
| Total domestic deposits to total assets | 66.4592% | 5,631 |
| Equity capital to assets | 11.9120% | 1,989 |
| Core capital (leverage) ratio | 12.1473% | 1,557 |
| Tier 1 risk-based capital ratio | 16.4321% | 2,347 |
| Total risk-based capital ratio | 17.4247% | 2,381 |
| Memoranda: |
| Average total assets | $582,316,000 | 1,244 |
| Average earning assets | $519,428,000 | 1,278 |
| Average equity | $72,843,670 | 1,098 |
| Average total loans | $368,742,000 | 1,326 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5439% | 4,565 |
| Cost of funding earning assets | 0.8108% | 455 |
| Net interest margin | 2.7332% | 5,345 |
| Noninterest income to average assets | 8.2617% | 75 |
| Noninterest expense to average assets | 10.1566% | 67 |
| Loan and lease loss provision to assets | 0.1082% | 1,765 |
| Net operating income to assets | 0.4701% | 4,705 |
| Return on assets (ROA) | 0.4845% | 4,679 |
| Pretax return on assets | 0.4543% | 5,049 |
| Return on Equity (ROE) | 3.7647% | 4,857 |
| Retained earnings to average equity (ytd only) | -2.1176% | 5,178 |
| Net charge-offs to loans | -0.0721% | 5,334 |
| Credit loss provision to net charge-offs | -234.3750% | 4,067 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8808% | 350 |
| Assets per employee ($millions) | 1.8530% | 5,755 |
| Cash dividends to net income (ytd only)* | 156.2500% | 362 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2320% | 2,930 |
| Loan loss allowance to noncurrent loans | 265.5583% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.3914% | 3,633 |
| Noncurrent loans to loans | 0.4639% | 3,426 |
| Net loans and leases to total assets | 62.7185% | 3,441 |
| Net loans and leases to deposits | 77.0716% | 3,069 |
| Net loans and leases to core deposits | 77.3361% | 3,528 |
| Total domestic deposits to total assets | 81.3770% | 4,328 |
| Equity capital to assets | 13.1830% | 1,192 |
| Core capital (leverage) ratio | 12.5606% | 1,310 |
| Tier 1 risk-based capital ratio | 16.5717% | 2,331 |
| Total risk-based capital ratio | 17.6081% | 2,356 |
| Memoranda: |
| Average total assets | $554,754,500 | 1,293 |
| Average earning assets | $495,831,000 | 1,328 |
| Average equity | $71,401,000 | 1,115 |
| Average total loans | $354,939,000 | 1,381 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3725% | 5,034 |
| Cost of funding earning assets | 0.9407% | 238 |
| Net interest margin | 2.4318% | 5,622 |
| Noninterest income to average assets | 13.7263% | 53 |
| Noninterest expense to average assets | 12.9994% | 52 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.8062% | 96 |
| Return on assets (ROA) | 2.8469% | 95 |
| Pretax return on assets | 2.9392% | 118 |
| Return on Equity (ROE) | 22.7994% | 124 |
| Retained earnings to average equity (ytd only) | -8.4938% | 5,766 |
| Net charge-offs to loans | -0.0905% | 5,560 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7745% | 1,227 |
| Assets per employee ($millions) | 2.0521% | 5,789 |
| Cash dividends to net income (ytd only)* | 137.2547% | 183 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0972% | 3,729 |
| Loan loss allowance to noncurrent loans | 283.0282% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.3292% | 3,964 |
| Noncurrent loans to loans | 0.3877% | 3,754 |
| Net loans and leases to total assets | 63.7315% | 3,393 |
| Net loans and leases to deposits | 83.0211% | 2,543 |
| Net loans and leases to core deposits | 83.4757% | 3,076 |
| Total domestic deposits to total assets | 76.7654% | 5,148 |
| Equity capital to assets | 12.5735% | 1,473 |
| Core capital (leverage) ratio | 12.3137% | 1,426 |
| Tier 1 risk-based capital ratio | 16.1306% | 2,495 |
| Total risk-based capital ratio | 17.0702% | 2,545 |
| Memoranda: |
| Average total assets | $612,096,600 | 1,149 |
| Average earning assets | $546,301,000 | 1,177 |
| Average equity | $76,432,000 | 1,036 |
| Average total loans | $364,497,400 | 1,291 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3927% | 5,040 |
| Cost of funding earning assets | 1.0104% | 164 |
| Net interest margin | 2.3823% | 5,728 |
| Noninterest income to average assets | 14.0370% | 51 |
| Noninterest expense to average assets | 12.9933% | 51 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 3.1098% | 79 |
| Return on assets (ROA) | 3.1523% | 79 |
| Pretax return on assets | 3.2129% | 106 |
| Return on Equity (ROE) | 25.2851% | 79 |
| Retained earnings to average equity (ytd only) | 6.0595% | 2,158 |
| Net charge-offs to loans | -0.1029% | 5,579 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3903% | 1,394 |
| Assets per employee ($millions) | 2.1958% | 5,832 |
| Cash dividends to net income (ytd only)* | 76.0353% | 858 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0378% | 4,196 |
| Loan loss allowance to noncurrent loans | 293.6391% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.2978% | 4,227 |
| Noncurrent loans to loans | 0.3534% | 3,991 |
| Net loans and leases to total assets | 62.6921% | 3,554 |
| Net loans and leases to deposits | 83.7300% | 2,516 |
| Net loans and leases to core deposits | 84.2060% | 3,104 |
| Total domestic deposits to total assets | 74.8741% | 5,349 |
| Equity capital to assets | 13.5791% | 1,207 |
| Core capital (leverage) ratio | 13.1555% | 1,130 |
| Tier 1 risk-based capital ratio | 17.9930% | 1,923 |
| Total risk-based capital ratio | 18.8860% | 1,993 |
| Memoranda: |
| Average total assets | $623,014,500 | 1,131 |
| Average earning assets | $555,931,000 | 1,161 |
| Average equity | $77,672,250 | 1,027 |
| Average total loans | $364,050,500 | 1,289 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2795% | 5,323 |
| Cost of funding earning assets | 1.1628% | 63 |
| Net interest margin | 2.1167% | 5,929 |
| Noninterest income to average assets | 13.1795% | 54 |
| Noninterest expense to average assets | 13.1179% | 52 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.9363% | 373 |
| Return on assets (ROA) | 1.9536% | 379 |
| Pretax return on assets | 1.9724% | 601 |
| Return on Equity (ROE) | 16.1301% | 523 |
| Retained earnings to average equity (ytd only) | -13.2546% | 5,918 |
| Net charge-offs to loans | -0.0961% | 5,601 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0304% | 790 |
| Assets per employee ($millions) | 2.4191% | 5,825 |
| Cash dividends to net income (ytd only)* | 182.1731% | 140 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0065% | 4,481 |
| Loan loss allowance to noncurrent loans | 274.4136% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.4436% | 3,731 |
| Noncurrent loans to loans | 0.3668% | 4,046 |
| Net loans and leases to total assets | 58.7921% | 4,040 |
| Net loans and leases to deposits | 94.6894% | 1,219 |
| Net loans and leases to core deposits | 95.5921% | 2,013 |
| Total domestic deposits to total assets | 62.0894% | 5,955 |
| Equity capital to assets | 11.3851% | 2,661 |
| Core capital (leverage) ratio | 10.8188% | 2,624 |
| Tier 1 risk-based capital ratio | 15.7503% | 2,764 |
| Total risk-based capital ratio | 16.6162% | 2,852 |
| Memoranda: |
| Average total assets | $629,400,670 | 1,128 |
| Average earning assets | $562,948,330 | 1,158 |
| Average equity | $76,230,330 | 1,045 |
| Average total loans | $357,887,330 | 1,307 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1422% | 5,560 |
| Cost of funding earning assets | 1.1239% | 82 |
| Net interest margin | 2.0183% | 6,011 |
| Noninterest income to average assets | 9.8242% | 61 |
| Noninterest expense to average assets | 9.4797% | 76 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.1669% | 242 |
| Return on assets (ROA) | 2.1869% | 246 |
| Pretax return on assets | 2.1824% | 393 |
| Return on Equity (ROE) | 17.5101% | 394 |
| Retained earnings to average equity (ytd only) | -3.1143% | 5,483 |
| Net charge-offs to loans | -0.0510% | 5,342 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4260% | 1,430 |
| Assets per employee ($millions) | 2.6457% | 5,762 |
| Cash dividends to net income (ytd only)* | 117.7856% | 547 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9697% | 4,765 |
| Loan loss allowance to noncurrent loans | 219.9764% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.4669% | 3,729 |
| Noncurrent loans to loans | 0.4408% | 3,862 |
| Net loans and leases to total assets | 56.5040% | 4,196 |
| Net loans and leases to deposits | 97.9405% | 763 |
| Net loans and leases to core deposits | 98.9133% | 1,572 |
| Total domestic deposits to total assets | 57.6921% | 6,053 |
| Equity capital to assets | 11.4808% | 2,457 |
| Core capital (leverage) ratio | 12.6610% | 1,281 |
| Tier 1 risk-based capital ratio | 17.1420% | 2,235 |
| Total risk-based capital ratio | 17.9974% | 2,324 |
| Memoranda: |
| Average total assets | $621,157,000 | 1,136 |
| Average earning assets | $559,479,500 | 1,160 |
| Average equity | $77,578,000 | 1,029 |
| Average total loans | $345,035,000 | 1,348 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0917% | 5,642 |
| Cost of funding earning assets | 1.1883% | 60 |
| Net interest margin | 1.9034% | 6,063 |
| Noninterest income to average assets | 8.7573% | 74 |
| Noninterest expense to average assets | 8.8176% | 93 |
| Loan and lease loss provision to assets | -0.2604% | 6,036 |
| Net operating income to assets | 1.8230% | 467 |
| Return on assets (ROA) | 1.8542% | 452 |
| Pretax return on assets | 1.9395% | 613 |
| Return on Equity (ROE) | 14.0302% | 835 |
| Retained earnings to average equity (ytd only) | 2.7163% | 4,135 |
| Net charge-offs to loans | -0.2293% | 5,973 |
| Credit loss provision to net charge-offs | 216.1785% | 1,312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2636% | 1,157 |
| Assets per employee ($millions) | 2.2348% | 5,988 |
| Cash dividends to net income (ytd only)* | 80.6396% | 864 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2090% | 3,429 |
| Loan loss allowance to noncurrent loans | 243.1773% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.5315% | 3,515 |
| Noncurrent loans to loans | 0.4972% | 3,703 |
| Net loans and leases to total assets | 53.1025% | 4,586 |
| Net loans and leases to deposits | 87.2243% | 1,972 |
| Net loans and leases to core deposits | 88.3282% | 2,571 |
| Total domestic deposits to total assets | 60.8803% | 6,081 |
| Equity capital to assets | 13.6879% | 1,046 |
| Core capital (leverage) ratio | 13.2228% | 1,068 |
| Tier 1 risk-based capital ratio | 18.7672% | 1,757 |
| Total risk-based capital ratio | 19.6784% | 1,798 |
| Memoranda: |
| Average total assets | $595,308,600 | 1,145 |
| Average earning assets | $533,883,800 | 1,179 |
| Average equity | $78,673,000 | 967 |
| Average total loans | $312,651,400 | 1,415 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0688% | 5,745 |
| Cost of funding earning assets | 1.1848% | 64 |
| Net interest margin | 1.8840% | 6,155 |
| Noninterest income to average assets | 8.8563% | 76 |
| Noninterest expense to average assets | 8.7383% | 96 |
| Loan and lease loss provision to assets | -0.3432% | 6,169 |
| Net operating income to assets | 2.0826% | 315 |
| Return on assets (ROA) | 2.1168% | 318 |
| Pretax return on assets | 2.1865% | 430 |
| Return on Equity (ROE) | 16.1534% | 566 |
| Retained earnings to average equity (ytd only) | 6.0163% | 2,235 |
| Net charge-offs to loans | -0.3078% | 6,087 |
| Credit loss provision to net charge-offs | 213.4986% | 1,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8554% | 1,286 |
| Assets per employee ($millions) | 2.3385% | 6,037 |
| Cash dividends to net income (ytd only)* | 62.7549% | 1,304 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2450% | 3,398 |
| Loan loss allowance to noncurrent loans | 206.5922% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.5647% | 3,606 |
| Noncurrent loans to loans | 0.6026% | 3,510 |
| Net loans and leases to total assets | 51.4074% | 4,809 |
| Net loans and leases to deposits | 79.9289% | 2,893 |
| Net loans and leases to core deposits | 80.9350% | 3,348 |
| Total domestic deposits to total assets | 64.3164% | 6,123 |
| Equity capital to assets | 13.9895% | 1,027 |
| Core capital (leverage) ratio | 12.9257% | 1,231 |
| Tier 1 risk-based capital ratio | 19.2896% | 1,708 |
| Total risk-based capital ratio | 20.2125% | 1,753 |
| Memoranda: |
| Average total assets | $602,223,750 | 1,140 |
| Average earning assets | $540,261,250 | 1,174 |
| Average equity | $78,916,500 | 970 |
| Average total loans | $314,533,250 | 1,413 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0592% | 5,789 |
| Cost of funding earning assets | 1.1744% | 66 |
| Net interest margin | 1.8848% | 6,229 |
| Noninterest income to average assets | 8.9473% | 80 |
| Noninterest expense to average assets | 8.7753% | 96 |
| Loan and lease loss provision to assets | -0.3427% | 6,246 |
| Net operating income to assets | 2.1418% | 286 |
| Return on assets (ROA) | 2.1845% | 281 |
| Pretax return on assets | 2.2527% | 378 |
| Return on Equity (ROE) | 17.0274% | 485 |
| Retained earnings to average equity (ytd only) | 17.0274% | 124 |
| Net charge-offs to loans | -0.2840% | 6,108 |
| Credit loss provision to net charge-offs | 230.7692% | 1,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4648% | 1,433 |
| Assets per employee ($millions) | 2.5388% | 6,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1819% | 3,896 |
| Loan loss allowance to noncurrent loans | 183.1623% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.5551% | 3,759 |
| Noncurrent loans to loans | 0.6453% | 3,546 |
| Net loans and leases to total assets | 52.5746% | 4,700 |
| Net loans and leases to deposits | 85.6952% | 2,083 |
| Net loans and leases to core deposits | 86.7255% | 2,683 |
| Total domestic deposits to total assets | 61.3508% | 6,238 |
| Equity capital to assets | 13.2425% | 1,284 |
| Core capital (leverage) ratio | 12.8855% | 1,218 |
| Tier 1 risk-based capital ratio | 19.2766% | 1,723 |
| Total risk-based capital ratio | 20.2178% | 1,770 |
| Memoranda: |
| Average total assets | $612,767,330 | 1,128 |
| Average earning assets | $550,735,670 | 1,148 |
| Average equity | $78,614,330 | 978 |
| Average total loans | $320,369,330 | 1,400 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0781% | 5,806 |
| Cost of funding earning assets | 1.2161% | 57 |
| Net interest margin | 1.8620% | 6,307 |
| Noninterest income to average assets | 7.8440% | 91 |
| Noninterest expense to average assets | 8.8406% | 100 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6450% | 4,068 |
| Return on assets (ROA) | 0.7033% | 3,909 |
| Pretax return on assets | 0.7369% | 4,474 |
| Return on Equity (ROE) | 5.5740% | 4,245 |
| Retained earnings to average equity (ytd only) | 5.5740% | 2,737 |
| Net charge-offs to loans | -0.0572% | 5,584 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9007% | 656 |
| Assets per employee ($millions) | 2.7193% | 5,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3969% | 2,933 |
| Loan loss allowance to noncurrent loans | 63.8473% | 4,609 |
| Noncurrent assets plus other real estate owned to assets | 1.3705% | 1,936 |
| Noncurrent loans to loans | 2.1879% | 1,159 |
| Net loans and leases to total assets | 51.9963% | 4,664 |
| Net loans and leases to deposits | 77.5121% | 2,875 |
| Net loans and leases to core deposits | 78.2153% | 3,355 |
| Total domestic deposits to total assets | 67.0816% | 6,222 |
| Equity capital to assets | 12.4241% | 1,738 |
| Core capital (leverage) ratio | 12.2198% | 1,495 |
| Tier 1 risk-based capital ratio | 17.6942% | 2,237 |
| Total risk-based capital ratio | 18.7805% | 2,246 |
| Memoranda: |
| Average total assets | $606,883,500 | 1,141 |
| Average earning assets | $545,009,000 | 1,164 |
| Average equity | $76,569,500 | 1,001 |
| Average total loans | $314,417,000 | 1,420 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1826% | 5,854 |
| Cost of funding earning assets | 1.4798% | 30 |
| Net interest margin | 1.7028% | 6,411 |
| Noninterest income to average assets | 6.0025% | 104 |
| Noninterest expense to average assets | 7.1618% | 134 |
| Loan and lease loss provision to assets | -0.0859% | 6,120 |
| Net operating income to assets | 0.5254% | 4,704 |
| Return on assets (ROA) | 0.5761% | 4,561 |
| Pretax return on assets | 0.5227% | 5,190 |
| Return on Equity (ROE) | 4.3007% | 4,980 |
| Retained earnings to average equity (ytd only) | -21.3689% | 6,431 |
| Net charge-offs to loans | 0.2102% | 1,984 |
| Credit loss provision to net charge-offs | -85.7633% | 5,491 |
| Earnings coverage of net charge-offs (x) | 3.8542% | 3,796 |
| Efficiency ratio | 94.8848% | 552 |
| Assets per employee ($millions) | 2.6868% | 6,037 |
| Cash dividends to net income (ytd only)* | 596.8685% | 16 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4979% | 2,486 |
| Loan loss allowance to noncurrent loans | 66.6765% | 4,614 |
| Noncurrent assets plus other real estate owned to assets | 1.3771% | 2,024 |
| Noncurrent loans to loans | 2.2465% | 1,172 |
| Net loans and leases to total assets | 50.0816% | 4,969 |
| Net loans and leases to deposits | 76.4958% | 3,140 |
| Net loans and leases to core deposits | 77.2783% | 3,587 |
| Total domestic deposits to total assets | 65.4697% | 6,339 |
| Equity capital to assets | 12.8181% | 1,456 |
| Core capital (leverage) ratio | 12.1698% | 1,517 |
| Tier 1 risk-based capital ratio | 19.6056% | 1,683 |
| Total risk-based capital ratio | 20.7824% | 1,681 |
| Memoranda: |
| Average total assets | $581,987,600 | 1,136 |
| Average earning assets | $528,192,600 | 1,152 |
| Average equity | $77,963,800 | 940 |
| Average total loans | $277,417,200 | 1,535 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1679% | 5,937 |
| Cost of funding earning assets | 1.4810% | 32 |
| Net interest margin | 1.6869% | 6,494 |
| Noninterest income to average assets | 5.6437% | 108 |
| Noninterest expense to average assets | 6.9663% | 138 |
| Loan and lease loss provision to assets | -0.1151% | 6,303 |
| Net operating income to assets | 0.3811% | 5,317 |
| Return on assets (ROA) | 0.4066% | 5,300 |
| Pretax return on assets | 0.3537% | 5,668 |
| Return on Equity (ROE) | 3.0023% | 5,539 |
| Retained earnings to average equity (ytd only) | -31.0209% | 6,533 |
| Net charge-offs to loans | 0.2364% | 1,633 |
| Credit loss provision to net charge-offs | -103.9501% | 5,462 |
| Earnings coverage of net charge-offs (x) | 1.9231% | 4,040 |
| Efficiency ratio | 97.0333% | 467 |
| Assets per employee ($millions) | 2.7313% | 6,048 |
| Cash dividends to net income (ytd only)* | 1,133.2378% | 4 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5498% | 2,501 |
| Loan loss allowance to noncurrent loans | 65.6352% | 4,619 |
| Noncurrent assets plus other real estate owned to assets | 1.4331% | 2,155 |
| Noncurrent loans to loans | 2.3613% | 1,263 |
| Net loans and leases to total assets | 49.1062% | 5,103 |
| Net loans and leases to deposits | 77.6606% | 2,987 |
| Net loans and leases to core deposits | 78.3530% | 3,503 |
| Total domestic deposits to total assets | 63.2318% | 6,448 |
| Equity capital to assets | 12.6385% | 1,616 |
| Core capital (leverage) ratio | 12.0808% | 1,653 |
| Tier 1 risk-based capital ratio | 18.9460% | 1,917 |
| Total risk-based capital ratio | 20.1341% | 1,905 |
| Memoranda: |
| Average total assets | $579,040,250 | 1,151 |
| Average earning assets | $527,108,500 | 1,155 |
| Average equity | $78,427,000 | 934 |
| Average total loans | $271,297,750 | 1,574 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0979% | 6,064 |
| Cost of funding earning assets | 1.4886% | 32 |
| Net interest margin | 1.6093% | 6,571 |
| Noninterest income to average assets | 4.9383% | 122 |
| Noninterest expense to average assets | 6.8112% | 146 |
| Loan and lease loss provision to assets | -0.2095% | 6,483 |
| Net operating income to assets | -0.1267% | 6,275 |
| Return on assets (ROA) | -0.1163% | 6,279 |
| Pretax return on assets | -0.1799% | 6,302 |
| Return on Equity (ROE) | -0.8391% | 6,267 |
| Retained earnings to average equity (ytd only) | -50.2606% | 6,628 |
| Net charge-offs to loans | -0.1632% | 6,294 |
| Credit loss provision to net charge-offs | 280.3738% | 907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.3297% | 287 |
| Assets per employee ($millions) | 2.7699% | 6,064 |
| Cash dividends to net income (ytd only)* | -5,889.7898% | 6,654 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7436% | 1,995 |
| Loan loss allowance to noncurrent loans | 163.0428% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.7818% | 3,622 |
| Noncurrent loans to loans | 1.0694% | 3,093 |
| Net loans and leases to total assets | 48.2637% | 5,152 |
| Net loans and leases to deposits | 81.8863% | 2,263 |
| Net loans and leases to core deposits | 82.6694% | 2,897 |
| Total domestic deposits to total assets | 58.9399% | 6,566 |
| Equity capital to assets | 12.0364% | 1,952 |
| Core capital (leverage) ratio | 12.6498% | 1,309 |
| Tier 1 risk-based capital ratio | 18.3249% | 2,121 |
| Total risk-based capital ratio | 19.5978% | 2,078 |
| Memoranda: |
| Average total assets | $572,671,000 | 1,153 |
| Average earning assets | $522,224,000 | 1,166 |
| Average equity | $79,370,330 | 919 |
| Average total loans | $262,279,670 | 1,623 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0664% | 6,166 |
| Cost of funding earning assets | 1.5648% | 23 |
| Net interest margin | 1.5015% | 6,657 |
| Noninterest income to average assets | 4.2041% | 139 |
| Noninterest expense to average assets | 6.7037% | 154 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -1.0044% | 6,574 |
| Return on assets (ROA) | -0.9922% | 6,570 |
| Pretax return on assets | -1.1170% | 6,574 |
| Return on Equity (ROE) | -6.6762% | 6,508 |
| Retained earnings to average equity (ytd only) | -101.9009% | 6,715 |
| Net charge-offs to loans | -0.0722% | 5,967 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.2900% | 173 |
| Assets per employee ($millions) | 2.4622% | 6,394 |
| Cash dividends to net income (ytd only)* | -1,426.3273% | 6,722 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3479% | 968 |
| Loan loss allowance to noncurrent loans | 148.0346% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 0.9676% | 3,322 |
| Noncurrent loans to loans | 1.5860% | 2,436 |
| Net loans and leases to total assets | 43.3750% | 5,563 |
| Net loans and leases to deposits | 73.1676% | 3,174 |
| Net loans and leases to core deposits | 73.9501% | 3,654 |
| Total domestic deposits to total assets | 59.2817% | 6,641 |
| Equity capital to assets | 13.2899% | 1,172 |
| Core capital (leverage) ratio | 12.5794% | 1,350 |
| Tier 1 risk-based capital ratio | 19.1866% | 1,909 |
| Total risk-based capital ratio | 20.4640% | 1,866 |
| Memoranda: |
| Average total assets | $554,319,000 | 1,206 |
| Average earning assets | $505,356,000 | 1,223 |
| Average equity | $82,382,000 | 890 |
| Average total loans | $243,756,500 | 1,734 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6874% | 6,551 |
| Cost of funding earning assets | 1.5741% | 41 |
| Net interest margin | 1.1133% | 6,755 |
| Noninterest income to average assets | 9.2943% | 72 |
| Noninterest expense to average assets | 8.6779% | 98 |
| Loan and lease loss provision to assets | -0.1188% | 6,512 |
| Net operating income to assets | 1.6989% | 584 |
| Return on assets (ROA) | 1.6298% | 671 |
| Pretax return on assets | 1.6875% | 980 |
| Return on Equity (ROE) | 10.1193% | 2,064 |
| Retained earnings to average equity (ytd only) | -6.9263% | 6,459 |
| Net charge-offs to loans | -0.3396% | 6,686 |
| Credit loss provision to net charge-offs | 84.0336% | 2,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1056% | 1,616 |
| Assets per employee ($millions) | 2.3922% | 6,464 |
| Cash dividends to net income (ytd only)* | 168.4468% | 126 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2700% | 1,080 |
| Loan loss allowance to noncurrent loans | 146.4594% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.9334% | 3,570 |
| Noncurrent loans to loans | 1.5499% | 2,570 |
| Net loans and leases to total assets | 42.5614% | 5,788 |
| Net loans and leases to deposits | 76.9366% | 2,863 |
| Net loans and leases to core deposits | 77.9061% | 3,377 |
| Total domestic deposits to total assets | 55.3201% | 6,740 |
| Equity capital to assets | 16.3637% | 472 |
| Core capital (leverage) ratio | 16.2851% | 442 |
| Tier 1 risk-based capital ratio | 24.2377% | 928 |
| Total risk-based capital ratio | 25.5170% | 915 |
| Memoranda: |
| Average total assets | $589,402,400 | 1,127 |
| Average earning assets | $541,905,600 | 1,117 |
| Average equity | $94,927,400 | 742 |
| Average total loans | $245,307,200 | 1,693 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6116% | 6,660 |
| Cost of funding earning assets | 1.5791% | 42 |
| Net interest margin | 1.0325% | 6,846 |
| Noninterest income to average assets | 11.0278% | 62 |
| Noninterest expense to average assets | 9.3896% | 91 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.4696% | 178 |
| Return on assets (ROA) | 2.3938% | 204 |
| Pretax return on assets | 2.5090% | 242 |
| Return on Equity (ROE) | 14.9202% | 810 |
| Retained earnings to average equity (ytd only) | -7.6787% | 6,588 |
| Net charge-offs to loans | -0.0479% | 6,291 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3878% | 2,360 |
| Assets per employee ($millions) | 2.3212% | 6,585 |
| Cash dividends to net income (ytd only)* | 151.4650% | 131 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4013% | 1,046 |
| Loan loss allowance to noncurrent loans | 155.7859% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.9806% | 3,696 |
| Noncurrent loans to loans | 1.5414% | 2,853 |
| Net loans and leases to total assets | 40.0646% | 6,025 |
| Net loans and leases to deposits | 72.5177% | 3,453 |
| Net loans and leases to core deposits | 73.4353% | 3,915 |
| Total domestic deposits to total assets | 55.2480% | 6,816 |
| Equity capital to assets | 16.4915% | 473 |
| Core capital (leverage) ratio | 16.3927% | 442 |
| Tier 1 risk-based capital ratio | 24.6799% | 911 |
| Total risk-based capital ratio | 25.9596% | 890 |
| Memoranda: |
| Average total assets | $595,012,500 | 1,128 |
| Average earning assets | $547,808,250 | 1,114 |
| Average equity | $95,465,250 | 741 |
| Average total loans | $244,906,000 | 1,694 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5435% | 6,721 |
| Cost of funding earning assets | 1.5754% | 45 |
| Net interest margin | 0.9682% | 6,895 |
| Noninterest income to average assets | 12.7599% | 56 |
| Noninterest expense to average assets | 10.6060% | 72 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.8715% | 122 |
| Return on assets (ROA) | 2.7938% | 135 |
| Pretax return on assets | 2.9636% | 149 |
| Return on Equity (ROE) | 17.5653% | 501 |
| Retained earnings to average equity (ytd only) | -14.7174% | 6,755 |
| Net charge-offs to loans | 0.0930% | 3,434 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 79.4828% | 569 |
| Efficiency ratio | 77.6869% | 2,512 |
| Assets per employee ($millions) | 2.4514% | 6,538 |
| Cash dividends to net income (ytd only)* | 183.7867% | 117 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9368% | 1,996 |
| Loan loss allowance to noncurrent loans | 139.0808% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.9929% | 3,778 |
| Noncurrent loans to loans | 1.3926% | 3,215 |
| Net loans and leases to total assets | 46.4804% | 5,483 |
| Net loans and leases to deposits | 84.7490% | 1,711 |
| Net loans and leases to core deposits | 85.8694% | 2,343 |
| Total domestic deposits to total assets | 54.8448% | 6,865 |
| Equity capital to assets | 15.4848% | 619 |
| Core capital (leverage) ratio | 15.6349% | 500 |
| Tier 1 risk-based capital ratio | 22.9992% | 1,131 |
| Total risk-based capital ratio | 24.2776% | 1,117 |
| Memoranda: |
| Average total assets | $605,336,000 | 1,109 |
| Average earning assets | $557,968,670 | 1,097 |
| Average equity | $96,280,670 | 735 |
| Average total loans | $249,361,000 | 1,662 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.4262% | 6,837 |
| Cost of funding earning assets | 1.5595% | 46 |
| Net interest margin | 0.8667% | 6,981 |
| Noninterest income to average assets | 14.9351% | 54 |
| Noninterest expense to average assets | 11.1311% | 71 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 4.3371% | 49 |
| Return on assets (ROA) | 4.2077% | 58 |
| Pretax return on assets | 4.4687% | 69 |
| Return on Equity (ROE) | 26.1280% | 110 |
| Retained earnings to average equity (ytd only) | 26.1280% | 57 |
| Net charge-offs to loans | 0.1171% | 2,726 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 102.8551% | 372 |
| Efficiency ratio | 70.7304% | 3,845 |
| Assets per employee ($millions) | 2.4903% | 6,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4044% | 1,245 |
| Loan loss allowance to noncurrent loans | 117.2272% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 1.1787% | 3,601 |
| Noncurrent loans to loans | 2.0511% | 2,566 |
| Net loans and leases to total assets | 36.2402% | 6,279 |
| Net loans and leases to deposits | 66.1564% | 4,034 |
| Net loans and leases to core deposits | 66.9983% | 4,415 |
| Total domestic deposits to total assets | 54.7796% | 6,940 |
| Equity capital to assets | 17.1921% | 410 |
| Core capital (leverage) ratio | 17.1801% | 336 |
| Tier 1 risk-based capital ratio | 28.0411% | 641 |
| Total risk-based capital ratio | 29.3250% | 624 |
| Memoranda: |
| Average total assets | $616,292,000 | 1,099 |
| Average earning assets | $570,434,500 | 1,083 |
| Average equity | $99,250,000 | 731 |
| Average total loans | $235,774,500 | 1,756 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0341% | 6,756 |
| Cost of funding earning assets | 1.8468% | 45 |
| Net interest margin | 1.1873% | 7,022 |
| Noninterest income to average assets | 15.3868% | 49 |
| Noninterest expense to average assets | 10.9780% | 69 |
| Loan and lease loss provision to assets | 0.0564% | 5,080 |
| Net operating income to assets | 5.2585% | 41 |
| Return on assets (ROA) | 5.1577% | 43 |
| Pretax return on assets | 5.3435% | 53 |
| Return on Equity (ROE) | 44.4119% | 19 |
| Retained earnings to average equity (ytd only) | 44.4119% | 5 |
| Net charge-offs to loans | 0.1113% | 4,560 |
| Credit loss provision to net charge-offs | 119.8630% | 2,393 |
| Earnings coverage of net charge-offs (x) | 116.9726% | 328 |
| Efficiency ratio | 66.6067% | 4,394 |
| Assets per employee ($millions) | 2.7399% | 6,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2168% | 1,532 |
| Loan loss allowance to noncurrent loans | 112.0164% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 1.2243% | 3,609 |
| Noncurrent loans to loans | 1.9790% | 2,718 |
| Net loans and leases to total assets | 38.4688% | 6,268 |
| Net loans and leases to deposits | 67.3397% | 4,076 |
| Net loans and leases to core deposits | 68.6234% | 4,465 |
| Total domestic deposits to total assets | 57.1266% | 6,994 |
| Equity capital to assets | 15.0553% | 720 |
| Core capital (leverage) ratio | 15.7616% | 480 |
| Tier 1 risk-based capital ratio | 25.7805% | 786 |
| Total risk-based capital ratio | 27.0608% | 778 |
| Memoranda: |
| Average total assets | $620,588,800 | 1,067 |
| Average earning assets | $572,329,400 | 1,055 |
| Average equity | $72,070,800 | 977 |
| Average total loans | $262,260,600 | 1,580 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1170% | 6,845 |
| Cost of funding earning assets | 1.9055% | 42 |
| Net interest margin | 1.2115% | 7,129 |
| Noninterest income to average assets | 14.3833% | 55 |
| Noninterest expense to average assets | 10.7390% | 72 |
| Loan and lease loss provision to assets | 0.0754% | 4,712 |
| Net operating income to assets | 4.5314% | 52 |
| Return on assets (ROA) | 4.4014% | 55 |
| Pretax return on assets | 4.5507% | 67 |
| Return on Equity (ROE) | 40.9780% | 23 |
| Retained earnings to average equity (ytd only) | 40.9780% | 12 |
| Net charge-offs to loans | 0.3848% | 2,554 |
| Credit loss provision to net charge-offs | 45.5729% | 4,500 |
| Earnings coverage of net charge-offs (x) | 28.7697% | 1,135 |
| Efficiency ratio | 69.2878% | 3,817 |
| Assets per employee ($millions) | 2.8462% | 6,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1020% | 1,901 |
| Loan loss allowance to noncurrent loans | 43.5761% | 5,477 |
| Noncurrent assets plus other real estate owned to assets | 2.2800% | 2,338 |
| Noncurrent loans to loans | 4.8238% | 952 |
| Net loans and leases to total assets | 36.3333% | 6,530 |
| Net loans and leases to deposits | 61.1502% | 5,066 |
| Net loans and leases to core deposits | 62.1989% | 5,343 |
| Total domestic deposits to total assets | 59.4165% | 7,071 |
| Equity capital to assets | 12.3773% | 1,978 |
| Core capital (leverage) ratio | 13.6171% | 974 |
| Tier 1 risk-based capital ratio | 22.2813% | 1,280 |
| Total risk-based capital ratio | 23.5604% | 1,256 |
| Memoranda: |
| Average total assets | $618,877,250 | 1,077 |
| Average earning assets | $569,983,000 | 1,066 |
| Average equity | $66,473,000 | 1,064 |
| Average total loans | $266,116,000 | 1,566 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2008% | 6,870 |
| Cost of funding earning assets | 1.9750% | 41 |
| Net interest margin | 1.2259% | 7,197 |
| Noninterest income to average assets | 13.1339% | 60 |
| Noninterest expense to average assets | 10.1298% | 78 |
| Loan and lease loss provision to assets | 0.1144% | 4,099 |
| Net operating income to assets | 3.9079% | 66 |
| Return on assets (ROA) | 3.7643% | 71 |
| Pretax return on assets | 3.8705% | 89 |
| Return on Equity (ROE) | 37.0139% | 49 |
| Retained earnings to average equity (ytd only) | 37.0139% | 33 |
| Net charge-offs to loans | 0.4884% | 2,123 |
| Credit loss provision to net charge-offs | 52.0059% | 3,993 |
| Earnings coverage of net charge-offs (x) | 18.7831% | 1,466 |
| Efficiency ratio | 71.0222% | 3,597 |
| Assets per employee ($millions) | 2.6843% | 6,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9695% | 2,315 |
| Loan loss allowance to noncurrent loans | 36.8139% | 5,828 |
| Noncurrent assets plus other real estate owned to assets | 3.0139% | 1,829 |
| Noncurrent loans to loans | 5.3498% | 885 |
| Net loans and leases to total assets | 42.7172% | 6,128 |
| Net loans and leases to deposits | 72.2396% | 3,580 |
| Net loans and leases to core deposits | 73.4479% | 4,104 |
| Total domestic deposits to total assets | 59.1327% | 7,140 |
| Equity capital to assets | 11.3981% | 2,690 |
| Core capital (leverage) ratio | 12.4870% | 1,359 |
| Tier 1 risk-based capital ratio | 19.5358% | 1,841 |
| Total risk-based capital ratio | 20.8103% | 1,804 |
| Memoranda: |
| Average total assets | $611,701,330 | 1,089 |
| Average earning assets | $563,353,000 | 1,079 |
| Average equity | $62,209,000 | 1,143 |
| Average total loans | $275,596,000 | 1,525 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3932% | 6,815 |
| Cost of funding earning assets | 1.9922% | 51 |
| Net interest margin | 1.4010% | 7,246 |
| Noninterest income to average assets | 13.2373% | 59 |
| Noninterest expense to average assets | 10.4416% | 76 |
| Loan and lease loss provision to assets | 0.2255% | 2,694 |
| Net operating income to assets | 3.7752% | 70 |
| Return on assets (ROA) | 3.5668% | 89 |
| Pretax return on assets | 3.6506% | 110 |
| Return on Equity (ROE) | 37.2201% | 57 |
| Retained earnings to average equity (ytd only) | 37.2201% | 40 |
| Net charge-offs to loans | 0.8432% | 1,216 |
| Credit loss provision to net charge-offs | 58.4307% | 3,146 |
| Earnings coverage of net charge-offs (x) | 10.5960% | 1,743 |
| Efficiency ratio | 71.8611% | 3,468 |
| Assets per employee ($millions) | 2.7787% | 6,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9384% | 2,561 |
| Loan loss allowance to noncurrent loans | 31.1783% | 6,113 |
| Noncurrent assets plus other real estate owned to assets | 3.3504% | 1,720 |
| Noncurrent loans to loans | 6.2171% | 792 |
| Net loans and leases to total assets | 41.9791% | 6,196 |
| Net loans and leases to deposits | 67.9899% | 4,060 |
| Net loans and leases to core deposits | 69.0228% | 4,559 |
| Total domestic deposits to total assets | 61.7431% | 7,173 |
| Equity capital to assets | 10.0730% | 4,037 |
| Core capital (leverage) ratio | 11.1358% | 2,157 |
| Tier 1 risk-based capital ratio | 17.8209% | 2,351 |
| Total risk-based capital ratio | 19.0923% | 2,326 |
| Memoranda: |
| Average total assets | $620,942,000 | 1,071 |
| Average earning assets | $573,027,500 | 1,059 |
| Average equity | $59,505,500 | 1,192 |
| Average total loans | $284,145,000 | 1,493 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4524% | 7,019 |
| Cost of funding earning assets | 2.4557% | 27 |
| Net interest margin | 0.9967% | 7,318 |
| Noninterest income to average assets | 7.8137% | 79 |
| Noninterest expense to average assets | 7.6562% | 113 |
| Loan and lease loss provision to assets | 0.8503% | 1,140 |
| Net operating income to assets | 0.2267% | 5,500 |
| Return on assets (ROA) | 0.0513% | 6,068 |
| Pretax return on assets | 0.0390% | 6,061 |
| Return on Equity (ROE) | 0.5834% | 6,040 |
| Retained earnings to average equity (ytd only) | 0.5834% | 5,570 |
| Net charge-offs to loans | 2.4988% | 468 |
| Credit loss provision to net charge-offs | 74.9361% | 4,676 |
| Earnings coverage of net charge-offs (x) | 0.9383% | 5,101 |
| Efficiency ratio | 87.7912% | 1,372 |
| Assets per employee ($millions) | 2.8285% | 6,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7937% | 2,891 |
| Loan loss allowance to noncurrent loans | 30.0361% | 6,199 |
| Noncurrent assets plus other real estate owned to assets | 3.9007% | 1,475 |
| Noncurrent loans to loans | 5.9718% | 837 |
| Net loans and leases to total assets | 47.8520% | 5,837 |
| Net loans and leases to deposits | 76.6701% | 3,063 |
| Net loans and leases to core deposits | 77.7905% | 3,703 |
| Total domestic deposits to total assets | 62.4128% | 7,199 |
| Equity capital to assets | 9.0908% | 5,423 |
| Core capital (leverage) ratio | 10.3732% | 2,874 |
| Tier 1 risk-based capital ratio | 15.7476% | 3,191 |
| Total risk-based capital ratio | 16.9986% | 3,156 |
| Memoranda: |
| Average total assets | $620,255,800 | 1,047 |
| Average earning assets | $564,561,400 | 1,052 |
| Average equity | $54,506,000 | 1,246 |
| Average total loans | $281,660,000 | 1,511 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4302% | 7,124 |
| Cost of funding earning assets | 2.5566% | 26 |
| Net interest margin | 0.8737% | 7,401 |
| Noninterest income to average assets | 6.4757% | 101 |
| Noninterest expense to average assets | 7.1756% | 135 |
| Loan and lease loss provision to assets | 1.1020% | 744 |
| Net operating income to assets | -0.9493% | 6,866 |
| Return on assets (ROA) | -1.1303% | 6,958 |
| Pretax return on assets | -1.2014% | 6,941 |
| Return on Equity (ROE) | -12.9743% | 6,970 |
| Retained earnings to average equity (ytd only) | -12.9743% | 6,945 |
| Net charge-offs to loans | 3.1133% | 296 |
| Credit loss provision to net charge-offs | 79.3931% | 4,156 |
| Earnings coverage of net charge-offs (x) | 0.0670% | 5,554 |
| Efficiency ratio | 98.7199% | 708 |
| Assets per employee ($millions) | 2.8608% | 6,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0271% | 2,260 |
| Loan loss allowance to noncurrent loans | 22.7669% | 6,587 |
| Noncurrent assets plus other real estate owned to assets | 6.5710% | 781 |
| Noncurrent loans to loans | 8.9037% | 445 |
| Net loans and leases to total assets | 47.7201% | 5,988 |
| Net loans and leases to deposits | 79.2417% | 2,771 |
| Net loans and leases to core deposits | 80.6402% | 3,543 |
| Total domestic deposits to total assets | 60.2209% | 7,297 |
| Equity capital to assets | 8.7161% | 6,068 |
| Core capital (leverage) ratio | 9.6894% | 3,868 |
| Tier 1 risk-based capital ratio | 13.8370% | 4,465 |
| Total risk-based capital ratio | 15.0888% | 4,431 |
| Memoranda: |
| Average total assets | $620,457,250 | 1,059 |
| Average earning assets | $563,136,500 | 1,061 |
| Average equity | $54,054,250 | 1,258 |
| Average total loans | $276,616,750 | 1,554 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3558% | 7,229 |
| Cost of funding earning assets | 2.6078% | 25 |
| Net interest margin | 0.7481% | 7,477 |
| Noninterest income to average assets | 5.1794% | 132 |
| Noninterest expense to average assets | 6.9267% | 144 |
| Loan and lease loss provision to assets | 0.4242% | 2,312 |
| Net operating income to assets | -1.3905% | 7,067 |
| Return on assets (ROA) | -1.5819% | 7,131 |
| Pretax return on assets | -1.6965% | 7,111 |
| Return on Equity (ROE) | -18.1603% | 7,129 |
| Retained earnings to average equity (ytd only) | -18.1603% | 7,110 |
| Net charge-offs to loans | 1.7288% | 825 |
| Credit loss provision to net charge-offs | 56.6822% | 4,424 |
| Earnings coverage of net charge-offs (x) | -1.4251% | 5,676 |
| Efficiency ratio | 118.2000% | 359 |
| Assets per employee ($millions) | 2.9092% | 6,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3420% | 1,676 |
| Loan loss allowance to noncurrent loans | 18.5251% | 6,764 |
| Noncurrent assets plus other real estate owned to assets | 7.5684% | 633 |
| Noncurrent loans to loans | 12.6424% | 222 |
| Net loans and leases to total assets | 42.6329% | 6,550 |
| Net loans and leases to deposits | 68.7426% | 4,598 |
| Net loans and leases to core deposits | 70.4066% | 5,023 |
| Total domestic deposits to total assets | 62.0182% | 7,351 |
| Equity capital to assets | 8.9073% | 5,701 |
| Core capital (leverage) ratio | 9.4454% | 4,033 |
| Tier 1 risk-based capital ratio | 13.5832% | 4,467 |
| Total risk-based capital ratio | 14.8122% | 4,461 |
| Memoranda: |
| Average total assets | $629,879,330 | 1,048 |
| Average earning assets | $573,209,000 | 1,047 |
| Average equity | $54,867,000 | 1,225 |
| Average total loans | $272,675,330 | 1,587 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3433% | 7,292 |
| Cost of funding earning assets | 2.6438% | 26 |
| Net interest margin | 0.6995% | 7,540 |
| Noninterest income to average assets | 5.9026% | 116 |
| Noninterest expense to average assets | 5.9504% | 201 |
| Loan and lease loss provision to assets | 0.5593% | 1,544 |
| Net operating income to assets | 0.0186% | 6,316 |
| Return on assets (ROA) | -0.2529% | 6,627 |
| Pretax return on assets | -0.2411% | 6,570 |
| Return on Equity (ROE) | -2.9344% | 6,662 |
| Retained earnings to average equity (ytd only) | -2.9344% | 6,287 |
| Net charge-offs to loans | 0.5923% | 2,014 |
| Credit loss provision to net charge-offs | 218.9781% | 1,384 |
| Earnings coverage of net charge-offs (x) | 2.3090% | 3,155 |
| Efficiency ratio | 90.9834% | 1,243 |
| Assets per employee ($millions) | 3.0252% | 6,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1245% | 822 |
| Loan loss allowance to noncurrent loans | 21.7423% | 6,702 |
| Noncurrent assets plus other real estate owned to assets | 7.3207% | 701 |
| Noncurrent loans to loans | 14.3707% | 172 |
| Net loans and leases to total assets | 37.4178% | 6,938 |
| Net loans and leases to deposits | 58.9300% | 5,840 |
| Net loans and leases to core deposits | 60.4241% | 6,063 |
| Total domestic deposits to total assets | 63.4954% | 7,375 |
| Equity capital to assets | 9.0304% | 5,156 |
| Core capital (leverage) ratio | 9.7194% | 3,494 |
| Tier 1 risk-based capital ratio | 15.9613% | 2,917 |
| Total risk-based capital ratio | 17.2277% | 2,881 |
| Memoranda: |
| Average total assets | $643,717,000 | 1,031 |
| Average earning assets | $586,729,500 | 1,027 |
| Average equity | $55,480,500 | 1,189 |
| Average total loans | $277,566,000 | 1,576 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2453% | 6,865 |
| Cost of funding earning assets | 2.8047% | 44 |
| Net interest margin | 1.4406% | 7,553 |
| Noninterest income to average assets | 7.5544% | 88 |
| Noninterest expense to average assets | 8.0423% | 113 |
| Loan and lease loss provision to assets | 2.1995% | 560 |
| Net operating income to assets | -1.3819% | 6,864 |
| Return on assets (ROA) | -1.7855% | 7,016 |
| Pretax return on assets | -1.7995% | 6,960 |
| Return on Equity (ROE) | -20.9115% | 7,056 |
| Retained earnings to average equity (ytd only) | -20.9115% | 7,027 |
| Net charge-offs to loans | 4.1447% | 294 |
| Credit loss provision to net charge-offs | 105.5035% | 4,250 |
| Earnings coverage of net charge-offs (x) | 0.3874% | 5,719 |
| Efficiency ratio | 90.8733% | 1,249 |
| Assets per employee ($millions) | 3.0052% | 6,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3173% | 1,669 |
| Loan loss allowance to noncurrent loans | 19.7812% | 6,818 |
| Noncurrent assets plus other real estate owned to assets | 7.6827% | 667 |
| Noncurrent loans to loans | 11.7149% | 306 |
| Net loans and leases to total assets | 46.3971% | 6,524 |
| Net loans and leases to deposits | 72.0587% | 4,507 |
| Net loans and leases to core deposits | 74.1626% | 4,961 |
| Total domestic deposits to total assets | 64.3879% | 7,434 |
| Equity capital to assets | 8.2177% | 6,240 |
| Core capital (leverage) ratio | 9.1125% | 4,333 |
| Tier 1 risk-based capital ratio | 14.2335% | 3,724 |
| Total risk-based capital ratio | 15.4956% | 3,669 |
| Memoranda: |
| Average total assets | $680,688,800 | 972 |
| Average earning assets | $612,156,000 | 990 |
| Average equity | $58,121,000 | 1,147 |
| Average total loans | $342,391,600 | 1,307 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3182% | 6,951 |
| Cost of funding earning assets | 2.8236% | 48 |
| Net interest margin | 1.4946% | 7,673 |
| Noninterest income to average assets | 6.4992% | 106 |
| Noninterest expense to average assets | 7.1119% | 145 |
| Loan and lease loss provision to assets | 1.4038% | 958 |
| Net operating income to assets | -0.6582% | 6,703 |
| Return on assets (ROA) | -1.1181% | 6,986 |
| Pretax return on assets | -1.1497% | 6,920 |
| Return on Equity (ROE) | -12.9789% | 7,044 |
| Retained earnings to average equity (ytd only) | -12.9789% | 7,008 |
| Net charge-offs to loans | 3.0496% | 499 |
| Credit loss provision to net charge-offs | 90.3218% | 4,748 |
| Earnings coverage of net charge-offs (x) | 0.4686% | 5,556 |
| Efficiency ratio | 90.7111% | 1,228 |
| Assets per employee ($millions) | 2.9810% | 6,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6421% | 3,363 |
| Loan loss allowance to noncurrent loans | 13.9802% | 7,098 |
| Noncurrent assets plus other real estate owned to assets | 9.4947% | 444 |
| Noncurrent loans to loans | 11.7462% | 308 |
| Net loans and leases to total assets | 50.8743% | 6,232 |
| Net loans and leases to deposits | 80.6037% | 3,337 |
| Net loans and leases to core deposits | 83.6421% | 4,004 |
| Total domestic deposits to total assets | 63.1166% | 7,540 |
| Equity capital to assets | 8.8758% | 5,739 |
| Core capital (leverage) ratio | 9.8560% | 3,422 |
| Tier 1 risk-based capital ratio | 14.7654% | 3,359 |
| Total risk-based capital ratio | 16.0183% | 3,343 |
| Memoranda: |
| Average total assets | $687,826,500 | 974 |
| Average earning assets | $617,154,000 | 988 |
| Average equity | $59,253,500 | 1,125 |
| Average total loans | $350,551,750 | 1,294 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3203% | 7,014 |
| Cost of funding earning assets | 2.8153% | 58 |
| Net interest margin | 1.5050% | 7,744 |
| Noninterest income to average assets | 5.3248% | 131 |
| Noninterest expense to average assets | 6.2810% | 197 |
| Loan and lease loss provision to assets | 1.4446% | 923 |
| Net operating income to assets | -1.0642% | 6,973 |
| Return on assets (ROA) | -1.6930% | 7,224 |
| Pretax return on assets | -1.6798% | 7,139 |
| Return on Equity (ROE) | -19.8434% | 7,275 |
| Retained earnings to average equity (ytd only) | -19.8434% | 7,254 |
| Net charge-offs to loans | 2.8050% | 581 |
| Credit loss provision to net charge-offs | 101.5338% | 4,021 |
| Earnings coverage of net charge-offs (x) | 0.2767% | 5,450 |
| Efficiency ratio | 94.1020% | 1,064 |
| Assets per employee ($millions) | 3.1164% | 5,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7543% | 2,886 |
| Loan loss allowance to noncurrent loans | 25.2309% | 6,659 |
| Noncurrent assets plus other real estate owned to assets | 7.2584% | 713 |
| Noncurrent loans to loans | 6.9530% | 818 |
| Net loans and leases to total assets | 51.9286% | 6,218 |
| Net loans and leases to deposits | 83.3393% | 3,003 |
| Net loans and leases to core deposits | 86.6076% | 3,748 |
| Total domestic deposits to total assets | 62.3098% | 7,622 |
| Equity capital to assets | 8.3431% | 6,366 |
| Core capital (leverage) ratio | 9.8005% | 3,401 |
| Tier 1 risk-based capital ratio | 14.9573% | 3,171 |
| Total risk-based capital ratio | 16.2130% | 3,138 |
| Memoranda: |
| Average total assets | $696,508,670 | 968 |
| Average earning assets | $624,722,330 | 982 |
| Average equity | $59,425,330 | 1,113 |
| Average total loans | $353,303,330 | 1,303 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2921% | 7,145 |
| Cost of funding earning assets | 2.8787% | 65 |
| Net interest margin | 1.4134% | 7,841 |
| Noninterest income to average assets | 5.5373% | 129 |
| Noninterest expense to average assets | 5.8765% | 231 |
| Loan and lease loss provision to assets | 0.8371% | 1,514 |
| Net operating income to assets | 0.0838% | 6,065 |
| Return on assets (ROA) | 0.3570% | 5,168 |
| Pretax return on assets | 0.4053% | 5,277 |
| Return on Equity (ROE) | 4.1388% | 4,827 |
| Retained earnings to average equity (ytd only) | 4.1388% | 3,663 |
| Net charge-offs to loans | 0.4272% | 2,767 |
| Credit loss provision to net charge-offs | 394.5799% | 1,039 |
| Earnings coverage of net charge-offs (x) | 4.3930% | 2,635 |
| Efficiency ratio | 86.3114% | 1,764 |
| Assets per employee ($millions) | 3.1486% | 5,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2226% | 1,699 |
| Loan loss allowance to noncurrent loans | 24.0003% | 6,797 |
| Noncurrent assets plus other real estate owned to assets | 8.3946% | 570 |
| Noncurrent loans to loans | 9.2605% | 503 |
| Net loans and leases to total assets | 48.1877% | 6,658 |
| Net loans and leases to deposits | 73.5152% | 4,824 |
| Net loans and leases to core deposits | 76.6553% | 5,172 |
| Total domestic deposits to total assets | 65.5480% | 7,633 |
| Equity capital to assets | 8.8819% | 5,433 |
| Core capital (leverage) ratio | 10.4029% | 2,713 |
| Tier 1 risk-based capital ratio | 17.7805% | 1,998 |
| Total risk-based capital ratio | 19.0418% | 1,966 |
| Memoranda: |
| Average total assets | $695,724,000 | 985 |
| Average earning assets | $625,707,500 | 999 |
| Average equity | $60,017,500 | 1,111 |
| Average total loans | $345,467,500 | 1,370 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6093% | 7,274 |
| Cost of funding earning assets | 3.0862% | 184 |
| Net interest margin | 1.5230% | 7,861 |
| Noninterest income to average assets | 6.1866% | 117 |
| Noninterest expense to average assets | 5.6142% | 366 |
| Loan and lease loss provision to assets | 2.5278% | 784 |
| Net operating income to assets | -0.4960% | 6,175 |
| Return on assets (ROA) | -0.6524% | 6,319 |
| Pretax return on assets | -0.7168% | 6,208 |
| Return on Equity (ROE) | -8.4579% | 6,505 |
| Retained earnings to average equity (ytd only) | -8.4579% | 6,389 |
| Net charge-offs to loans | 5.3661% | 217 |
| Credit loss provision to net charge-offs | 89.2160% | 6,024 |
| Earnings coverage of net charge-offs (x) | 0.6998% | 5,400 |
| Efficiency ratio | 73.8991% | 3,916 |
| Assets per employee ($millions) | 3.3564% | 5,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8060% | 2,522 |
| Loan loss allowance to noncurrent loans | 21.6137% | 6,976 |
| Noncurrent assets plus other real estate owned to assets | 7.9076% | 578 |
| Noncurrent loans to loans | 8.3559% | 580 |
| Net loans and leases to total assets | 49.1122% | 6,717 |
| Net loans and leases to deposits | 73.8689% | 5,057 |
| Net loans and leases to core deposits | 99.0491% | 4,102 |
| Total domestic deposits to total assets | 66.4856% | 7,624 |
| Equity capital to assets | 8.3804% | 6,081 |
| Core capital (leverage) ratio | 10.1152% | 2,984 |
| Tier 1 risk-based capital ratio | 18.0100% | 1,892 |
| Total risk-based capital ratio | 19.2674% | 1,852 |
| Memoranda: |
| Average total assets | $755,348,000 | 905 |
| Average earning assets | $699,588,400 | 893 |
| Average equity | $58,265,200 | 1,134 |
| Average total loans | $398,834,200 | 1,206 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6586% | 7,341 |
| Cost of funding earning assets | 3.1313% | 224 |
| Net interest margin | 1.5273% | 7,944 |
| Noninterest income to average assets | 6.3858% | 117 |
| Noninterest expense to average assets | 5.5643% | 366 |
| Loan and lease loss provision to assets | 3.0386% | 477 |
| Net operating income to assets | -0.8290% | 6,710 |
| Return on assets (ROA) | -0.9747% | 6,819 |
| Pretax return on assets | -0.9391% | 6,637 |
| Return on Equity (ROE) | -12.8929% | 7,067 |
| Retained earnings to average equity (ytd only) | -12.8929% | 7,002 |
| Net charge-offs to loans | 5.9408% | 153 |
| Credit loss provision to net charge-offs | 95.7029% | 5,315 |
| Earnings coverage of net charge-offs (x) | 0.7071% | 5,331 |
| Efficiency ratio | 71.2505% | 4,377 |
| Assets per employee ($millions) | 3.2952% | 5,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2021% | 1,417 |
| Loan loss allowance to noncurrent loans | 18.2560% | 7,185 |
| Noncurrent assets plus other real estate owned to assets | 8.6806% | 459 |
| Noncurrent loans to loans | 12.0625% | 267 |
| Net loans and leases to total assets | 49.4169% | 6,828 |
| Net loans and leases to deposits | 75.3892% | 5,143 |
| Net loans and leases to core deposits | 100.6248% | 4,302 |
| Total domestic deposits to total assets | 65.5490% | 7,709 |
| Equity capital to assets | 8.3051% | 6,501 |
| Core capital (leverage) ratio | 9.5478% | 3,846 |
| Tier 1 risk-based capital ratio | 16.4896% | 2,435 |
| Total risk-based capital ratio | 17.7510% | 2,381 |
| Memoranda: |
| Average total assets | $767,137,250 | 906 |
| Average earning assets | $715,077,000 | 884 |
| Average equity | $57,994,250 | 1,155 |
| Average total loans | $409,991,500 | 1,193 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7089% | 7,376 |
| Cost of funding earning assets | 3.1424% | 310 |
| Net interest margin | 1.5666% | 8,002 |
| Noninterest income to average assets | 6.9127% | 102 |
| Noninterest expense to average assets | 5.5690% | 368 |
| Loan and lease loss provision to assets | 2.1545% | 742 |
| Net operating income to assets | 0.6004% | 3,671 |
| Return on assets (ROA) | 0.4776% | 4,296 |
| Pretax return on assets | 0.5222% | 4,548 |
| Return on Equity (ROE) | 6.5115% | 3,431 |
| Retained earnings to average equity (ytd only) | 6.5115% | 1,790 |
| Net charge-offs to loans | 3.5255% | 443 |
| Credit loss provision to net charge-offs | 112.4950% | 4,118 |
| Earnings coverage of net charge-offs (x) | 1.4680% | 4,433 |
| Efficiency ratio | 66.4510% | 5,464 |
| Assets per employee ($millions) | 3.6010% | 4,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2042% | 1,237 |
| Loan loss allowance to noncurrent loans | 23.4403% | 6,942 |
| Noncurrent assets plus other real estate owned to assets | 6.8803% | 634 |
| Noncurrent loans to loans | 9.4034% | 399 |
| Net loans and leases to total assets | 54.5114% | 6,382 |
| Net loans and leases to deposits | 82.8392% | 4,076 |
| Net loans and leases to core deposits | 110.8871% | 3,272 |
| Total domestic deposits to total assets | 65.8039% | 7,751 |
| Equity capital to assets | 8.5800% | 5,926 |
| Core capital (leverage) ratio | 10.3787% | 2,925 |
| Tier 1 risk-based capital ratio | 16.0424% | 2,613 |
| Total risk-based capital ratio | 17.3030% | 2,547 |
| Memoranda: |
| Average total assets | $785,594,000 | 892 |
| Average earning assets | $736,134,330 | 871 |
| Average equity | $57,621,330 | 1,173 |
| Average total loans | $426,771,000 | 1,167 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8577% | 7,271 |
| Cost of funding earning assets | 3.2689% | 288 |
| Net interest margin | 1.5887% | 8,037 |
| Noninterest income to average assets | 6.7430% | 100 |
| Noninterest expense to average assets | 4.7702% | 563 |
| Loan and lease loss provision to assets | 2.8956% | 379 |
| Net operating income to assets | 0.5282% | 4,301 |
| Return on assets (ROA) | 0.7961% | 3,309 |
| Pretax return on assets | 0.8622% | 3,852 |
| Return on Equity (ROE) | 11.8587% | 1,708 |
| Retained earnings to average equity (ytd only) | 11.8587% | 817 |
| Net charge-offs to loans | 4.7872% | 230 |
| Credit loss provision to net charge-offs | 112.8098% | 3,438 |
| Earnings coverage of net charge-offs (x) | 1.3506% | 4,064 |
| Efficiency ratio | 57.9126% | 6,713 |
| Assets per employee ($millions) | 3.6509% | 4,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3143% | 928 |
| Loan loss allowance to noncurrent loans | 21.1528% | 7,104 |
| Noncurrent assets plus other real estate owned to assets | 6.9537% | 494 |
| Noncurrent loans to loans | 10.9408% | 231 |
| Net loans and leases to total assets | 52.7374% | 6,612 |
| Net loans and leases to deposits | 76.4264% | 5,161 |
| Net loans and leases to core deposits | 102.2160% | 4,319 |
| Total domestic deposits to total assets | 69.0042% | 7,515 |
| Equity capital to assets | 7.4329% | 7,409 |
| Core capital (leverage) ratio | 9.4584% | 4,038 |
| Tier 1 risk-based capital ratio | 16.5331% | 2,502 |
| Total risk-based capital ratio | 17.7903% | 2,436 |
| Memoranda: |
| Average total assets | $785,878,000 | 893 |
| Average earning assets | $738,954,000 | 867 |
| Average equity | $52,754,500 | 1,290 |
| Average total loans | $421,369,500 | 1,203 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6010% | 7,062 |
| Cost of funding earning assets | 3.7265% | 247 |
| Net interest margin | 1.8745% | 8,115 |
| Noninterest income to average assets | 2.6141% | 243 |
| Noninterest expense to average assets | 4.0766% | 1,312 |
| Loan and lease loss provision to assets | 0.6975% | 2,102 |
| Net operating income to assets | -0.4078% | 6,833 |
| Return on assets (ROA) | -0.4734% | 6,782 |
| Pretax return on assets | -0.4565% | 6,614 |
| Return on Equity (ROE) | -6.7291% | 7,020 |
| Retained earnings to average equity (ytd only) | -6.7291% | 6,753 |
| Net charge-offs to loans | 0.6764% | 1,824 |
| Credit loss provision to net charge-offs | 190.4717% | 2,588 |
| Earnings coverage of net charge-offs (x) | 0.8372% | 5,730 |
| Efficiency ratio | 88.8422% | 1,602 |
| Assets per employee ($millions) | 4.2439% | 3,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9844% | 1,252 |
| Loan loss allowance to noncurrent loans | 39.4355% | 6,090 |
| Noncurrent assets plus other real estate owned to assets | 3.3354% | 1,356 |
| Noncurrent loans to loans | 5.0319% | 868 |
| Net loans and leases to total assets | 52.2248% | 6,827 |
| Net loans and leases to deposits | 80.1841% | 5,012 |
| Net loans and leases to core deposits | 103.3343% | 4,465 |
| Total domestic deposits to total assets | 65.1311% | 7,714 |
| Equity capital to assets | 6.0582% | 8,053 |
| Core capital (leverage) ratio | 9.4480% | 4,093 |
| Tier 1 risk-based capital ratio | 17.0674% | 2,286 |
| Total risk-based capital ratio | 18.3273% | 2,239 |
| Memoranda: |
| Average total assets | $874,114,000 | 772 |
| Average earning assets | $824,962,000 | 734 |
| Average equity | $61,494,400 | 1,092 |
| Average total loans | $473,258,600 | 1,022 |
