| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4151% | 381 |
| Cost of funding earning assets | 2.9980% | 142 |
| Net interest margin | 3.4172% | 2,368 |
| Noninterest income to average assets | 0.6500% | 1,355 |
| Noninterest expense to average assets | 2.0619% | 3,493 |
| Loan and lease loss provision to assets | 0.3500% | 287 |
| Net operating income to assets | 1.1526% | 1,776 |
| Return on assets (ROA) | 1.1526% | 1,744 |
| Pretax return on assets | 1.5092% | 1,394 |
| Return on Equity (ROE) | 13.5100% | 1,601 |
| Retained earnings to average equity (ytd only) | 13.5053% | 447 |
| Net charge-offs to loans | 0.0235% | 1,841 |
| Credit loss provision to net charge-offs | 1,672.0430% | 271 |
| Earnings coverage of net charge-offs (x) | 89.5341% | 960 |
| Efficiency ratio | 52.4263% | 3,794 |
| Assets per employee ($millions) | 7.5953% | 1,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2290% | 2,120 |
| Loan loss allowance to noncurrent loans | 244.3667% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.4351% | 1,272 |
| Noncurrent loans to loans | 0.5029% | 1,526 |
| Net loans and leases to total assets | 85.4600% | 184 |
| Net loans and leases to deposits | 100.7329% | 499 |
| Net loans and leases to core deposits | 133.0056% | 357 |
| Total domestic deposits to total assets | 84.8300% | 2,360 |
| Equity capital to assets | 8.2476% | 3,243 |
| Core capital (leverage) ratio | 8.5978% | 4,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7025% | 2,854 |
| Memoranda: |
| Average total assets | $1,346,089,000 | 775 |
| Average earning assets | $1,288,606,400 | 745 |
| Average equity | $114,880,800 | 859 |
| Average total loans | $1,185,531,000 | 638 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2719% | 376 |
| Cost of funding earning assets | 2.7855% | 165 |
| Net interest margin | 3.4864% | 2,241 |
| Noninterest income to average assets | 0.6400% | 1,370 |
| Noninterest expense to average assets | 2.0329% | 3,511 |
| Loan and lease loss provision to assets | 0.3600% | 243 |
| Net operating income to assets | 1.2154% | 1,751 |
| Return on assets (ROA) | 1.2154% | 1,740 |
| Pretax return on assets | 1.5920% | 1,376 |
| Return on Equity (ROE) | 14.1000% | 1,631 |
| Retained earnings to average equity (ytd only) | 14.1043% | 662 |
| Net charge-offs to loans | 0.0244% | 1,592 |
| Credit loss provision to net charge-offs | 1,646.9194% | 290 |
| Earnings coverage of net charge-offs (x) | 90.3033% | 973 |
| Efficiency ratio | 50.8704% | 3,845 |
| Assets per employee ($millions) | 7.1193% | 1,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2260% | 2,244 |
| Loan loss allowance to noncurrent loans | 249.0007% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 0.4259% | 1,363 |
| Noncurrent loans to loans | 0.4924% | 1,590 |
| Net loans and leases to total assets | 85.4500% | 182 |
| Net loans and leases to deposits | 100.3456% | 496 |
| Net loans and leases to core deposits | 133.2992% | 304 |
| Total domestic deposits to total assets | 85.1500% | 2,456 |
| Equity capital to assets | 8.5639% | 2,686 |
| Core capital (leverage) ratio | 9.0316% | 3,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0870% | 2,811 |
| Memoranda: |
| Average total assets | $1,304,745,000 | 807 |
| Average earning assets | $1,248,557,250 | 766 |
| Average equity | $112,436,000 | 868 |
| Average total loans | $1,154,987,750 | 652 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0508% | 420 |
| Cost of funding earning assets | 2.6228% | 150 |
| Net interest margin | 3.4280% | 2,455 |
| Noninterest income to average assets | 0.6200% | 1,378 |
| Noninterest expense to average assets | 1.9981% | 3,605 |
| Loan and lease loss provision to assets | 0.3200% | 285 |
| Net operating income to assets | 1.2145% | 1,793 |
| Return on assets (ROA) | 1.2145% | 1,776 |
| Pretax return on assets | 1.5911% | 1,427 |
| Return on Equity (ROE) | 14.0600% | 1,668 |
| Retained earnings to average equity (ytd only) | 14.0615% | 667 |
| Net charge-offs to loans | 0.0136% | 1,680 |
| Credit loss provision to net charge-offs | 2,629.8701% | 207 |
| Earnings coverage of net charge-offs (x) | 157.4935% | 729 |
| Efficiency ratio | 50.9088% | 3,856 |
| Assets per employee ($millions) | 7.2129% | 1,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1375% | 2,764 |
| Loan loss allowance to noncurrent loans | 196.8524% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.5163% | 1,052 |
| Noncurrent loans to loans | 0.5778% | 1,295 |
| Net loans and leases to total assets | 88.3300% | 73 |
| Net loans and leases to deposits | 104.2584% | 360 |
| Net loans and leases to core deposits | 133.9892% | 275 |
| Total domestic deposits to total assets | 84.7200% | 2,616 |
| Equity capital to assets | 8.5371% | 2,832 |
| Core capital (leverage) ratio | 8.8561% | 3,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7887% | 2,872 |
| Memoranda: |
| Average total assets | $1,269,784,000 | 813 |
| Average earning assets | $1,216,566,000 | 779 |
| Average equity | $109,675,000 | 877 |
| Average total loans | $1,133,513,000 | 650 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7623% | 439 |
| Cost of funding earning assets | 2.3249% | 141 |
| Net interest margin | 3.4375% | 2,539 |
| Noninterest income to average assets | 0.6500% | 1,252 |
| Noninterest expense to average assets | 1.9512% | 3,745 |
| Loan and lease loss provision to assets | 0.3200% | 260 |
| Net operating income to assets | 1.2812% | 1,721 |
| Return on assets (ROA) | 1.2812% | 1,692 |
| Pretax return on assets | 1.6783% | 1,321 |
| Return on Equity (ROE) | 14.7400% | 1,615 |
| Retained earnings to average equity (ytd only) | 14.7399% | 840 |
| Net charge-offs to loans | 0.0207% | 1,263 |
| Credit loss provision to net charge-offs | 1,710.5263% | 230 |
| Earnings coverage of net charge-offs (x) | 107.9298% | 752 |
| Efficiency ratio | 49.2318% | 4,005 |
| Assets per employee ($millions) | 7.4812% | 1,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1001% | 3,054 |
| Loan loss allowance to noncurrent loans | 817.9104% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.1205% | 2,666 |
| Noncurrent loans to loans | 0.1345% | 2,836 |
| Net loans and leases to total assets | 88.5800% | 60 |
| Net loans and leases to deposits | 105.3492% | 271 |
| Net loans and leases to core deposits | 135.2169% | 226 |
| Total domestic deposits to total assets | 84.0800% | 3,078 |
| Equity capital to assets | 8.6785% | 2,758 |
| Core capital (leverage) ratio | 9.2547% | 3,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6413% | 2,981 |
| Memoranda: |
| Average total assets | $1,233,878,000 | 848 |
| Average earning assets | $1,183,545,000 | 815 |
| Average equity | $107,246,000 | 901 |
| Average total loans | $1,100,957,000 | 671 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0417% | 284 |
| Cost of funding earning assets | 1.2102% | 68 |
| Net interest margin | 3.8315% | 1,098 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 2.2445% | 2,911 |
| Loan and lease loss provision to assets | 0.3300% | 233 |
| Net operating income to assets | 1.1221% | 2,081 |
| Return on assets (ROA) | 1.1221% | 2,024 |
| Pretax return on assets | 1.4596% | 1,575 |
| Return on Equity (ROE) | 11.6300% | 2,264 |
| Retained earnings to average equity (ytd only) | 11.6298% | 757 |
| Net charge-offs to loans | 0.1437% | 568 |
| Credit loss provision to net charge-offs | 252.3474% | 994 |
| Earnings coverage of net charge-offs (x) | 13.6706% | 2,059 |
| Efficiency ratio | 55.3583% | 3,647 |
| Assets per employee ($millions) | 6.9097% | 2,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0496% | 3,125 |
| Loan loss allowance to noncurrent loans | 709.7311% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.1314% | 2,595 |
| Noncurrent loans to loans | 0.1479% | 2,767 |
| Net loans and leases to total assets | 87.9400% | 72 |
| Net loans and leases to deposits | 101.6471% | 377 |
| Net loans and leases to core deposits | 131.5505% | 210 |
| Total domestic deposits to total assets | 86.5100% | 2,567 |
| Equity capital to assets | 8.7061% | 2,557 |
| Core capital (leverage) ratio | 9.1690% | 3,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5733% | 3,023 |
| Memoranda: |
| Average total assets | $976,012,200 | 1,000 |
| Average earning assets | $931,594,800 | 969 |
| Average equity | $94,171,800 | 981 |
| Average total loans | $889,116,800 | 755 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8861% | 248 |
| Cost of funding earning assets | 0.9299% | 89 |
| Net interest margin | 3.9562% | 701 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 2.2760% | 2,700 |
| Loan and lease loss provision to assets | 0.3400% | 190 |
| Net operating income to assets | 1.1649% | 1,838 |
| Return on assets (ROA) | 1.1649% | 1,812 |
| Pretax return on assets | 1.5308% | 1,323 |
| Return on Equity (ROE) | 11.7000% | 2,139 |
| Retained earnings to average equity (ytd only) | 11.7046% | 865 |
| Net charge-offs to loans | 0.0346% | 1,168 |
| Credit loss provision to net charge-offs | 1,056.8182% | 396 |
| Earnings coverage of net charge-offs (x) | 58.7318% | 1,181 |
| Efficiency ratio | 54.6574% | 3,762 |
| Assets per employee ($millions) | 6.3750% | 2,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1438% | 2,822 |
| Loan loss allowance to noncurrent loans | 331.3882% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.3168% | 1,672 |
| Noncurrent loans to loans | 0.3452% | 1,992 |
| Net loans and leases to total assets | 90.7400% | 17 |
| Net loans and leases to deposits | 109.7849% | 126 |
| Net loans and leases to core deposits | 140.6595% | 97 |
| Total domestic deposits to total assets | 82.6500% | 3,733 |
| Equity capital to assets | 9.4133% | 1,940 |
| Core capital (leverage) ratio | 9.6974% | 2,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1320% | 3,020 |
| Memoranda: |
| Average total assets | $922,897,250 | 1,058 |
| Average earning assets | $878,635,750 | 1,028 |
| Average equity | $91,847,500 | 1,026 |
| Average total loans | $847,352,000 | 781 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7674% | 233 |
| Cost of funding earning assets | 0.7163% | 145 |
| Net interest margin | 4.0511% | 445 |
| Noninterest income to average assets | 0.3489% | 3,064 |
| Noninterest expense to average assets | 2.2674% | 2,645 |
| Loan and lease loss provision to assets | 0.3263% | 195 |
| Net operating income to assets | 1.2196% | 1,365 |
| Return on assets (ROA) | 1.2196% | 1,353 |
| Pretax return on assets | 1.6038% | 931 |
| Return on Equity (ROE) | 11.9899% | 1,671 |
| Retained earnings to average equity (ytd only) | 11.9899% | 607 |
| Net charge-offs to loans | 0.0456% | 935 |
| Credit loss provision to net charge-offs | 778.6885% | 480 |
| Earnings coverage of net charge-offs (x) | 46.0656% | 1,198 |
| Efficiency ratio | 53.7228% | 3,990 |
| Assets per employee ($millions) | 6.1376% | 2,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1496% | 2,928 |
| Loan loss allowance to noncurrent loans | 215.7763% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.4869% | 1,167 |
| Noncurrent loans to loans | 0.5328% | 1,552 |
| Net loans and leases to total assets | 90.3345% | 17 |
| Net loans and leases to deposits | 107.1434% | 116 |
| Net loans and leases to core deposits | 136.9943% | 88 |
| Total domestic deposits to total assets | 84.3118% | 3,621 |
| Equity capital to assets | 9.2122% | 2,223 |
| Core capital (leverage) ratio | 9.7490% | 2,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9984% | 3,014 |
| Memoranda: |
| Average total assets | $873,530,667 | 1,106 |
| Average earning assets | $829,842,000 | 1,082 |
| Average equity | $88,858,000 | 1,063 |
| Average total loans | $802,127,000 | 804 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7527% | 213 |
| Cost of funding earning assets | 0.6575% | 195 |
| Net interest margin | 4.0952% | 341 |
| Noninterest income to average assets | 0.3568% | 2,953 |
| Noninterest expense to average assets | 2.1499% | 2,984 |
| Loan and lease loss provision to assets | 0.2573% | 250 |
| Net operating income to assets | 1.4006% | 796 |
| Return on assets (ROA) | 1.4006% | 792 |
| Pretax return on assets | 1.8446% | 498 |
| Return on Equity (ROE) | 13.0247% | 1,028 |
| Retained earnings to average equity (ytd only) | 13.0247% | 465 |
| Net charge-offs to loans | 0.0921% | 556 |
| Credit loss provision to net charge-offs | 303.4682% | 659 |
| Earnings coverage of net charge-offs (x) | 24.7919% | 1,206 |
| Efficiency ratio | 50.2536% | 4,304 |
| Assets per employee ($millions) | 5.8651% | 2,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1934% | 2,894 |
| Loan loss allowance to noncurrent loans | 251.3506% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.4380% | 1,386 |
| Noncurrent loans to loans | 0.4748% | 1,837 |
| Net loans and leases to total assets | 91.1437% | 7 |
| Net loans and leases to deposits | 107.5085% | 85 |
| Net loans and leases to core deposits | 137.2406% | 70 |
| Total domestic deposits to total assets | 84.7781% | 3,590 |
| Equity capital to assets | 10.3338% | 1,672 |
| Core capital (leverage) ratio | 10.6453% | 1,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0474% | 2,881 |
| Memoranda: |
| Average total assets | $816,219,000 | 1,176 |
| Average earning assets | $776,324,500 | 1,159 |
| Average equity | $87,771,500 | 1,106 |
| Average total loans | $751,678,000 | 827 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2087% | 191 |
| Cost of funding earning assets | 0.9110% | 105 |
| Net interest margin | 4.2977% | 406 |
| Noninterest income to average assets | 0.5598% | 2,322 |
| Noninterest expense to average assets | 2.4475% | 2,340 |
| Loan and lease loss provision to assets | 0.2566% | 352 |
| Net operating income to assets | 1.5847% | 848 |
| Return on assets (ROA) | 1.5847% | 882 |
| Pretax return on assets | 1.9556% | 663 |
| Return on Equity (ROE) | 15.6053% | 819 |
| Retained earnings to average equity (ytd only) | 15.6053% | 191 |
| Net charge-offs to loans | 0.0372% | 1,506 |
| Credit loss provision to net charge-offs | 759.4937% | 629 |
| Earnings coverage of net charge-offs (x) | 65.4810% | 1,123 |
| Efficiency ratio | 52.1949% | 4,099 |
| Assets per employee ($millions) | 6.0177% | 2,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2907% | 2,406 |
| Loan loss allowance to noncurrent loans | 298.5626% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.4039% | 1,619 |
| Noncurrent loans to loans | 0.4323% | 2,060 |
| Net loans and leases to total assets | 90.7362% | 14 |
| Net loans and leases to deposits | 107.8290% | 94 |
| Net loans and leases to core deposits | 132.7212% | 93 |
| Total domestic deposits to total assets | 84.1483% | 3,521 |
| Equity capital to assets | 11.2231% | 1,650 |
| Core capital (leverage) ratio | 11.1385% | 1,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0234% | 2,625 |
| Memoranda: |
| Average total assets | $701,527,600 | 1,283 |
| Average earning assets | $669,241,400 | 1,262 |
| Average equity | $71,238,600 | 1,332 |
| Average total loans | $636,372,000 | 952 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3122% | 192 |
| Cost of funding earning assets | 0.9663% | 98 |
| Net interest margin | 4.3459% | 410 |
| Noninterest income to average assets | 0.4448% | 2,866 |
| Noninterest expense to average assets | 2.2684% | 2,839 |
| Loan and lease loss provision to assets | 0.2630% | 336 |
| Net operating income to assets | 1.5734% | 1,090 |
| Return on assets (ROA) | 1.5734% | 1,139 |
| Pretax return on assets | 2.0705% | 708 |
| Return on Equity (ROE) | 15.9673% | 960 |
| Retained earnings to average equity (ytd only) | 15.9673% | 303 |
| Net charge-offs to loans | 0.0487% | 1,175 |
| Credit loss provision to net charge-offs | 597.3451% | 707 |
| Earnings coverage of net charge-offs (x) | 52.9956% | 1,210 |
| Efficiency ratio | 48.9500% | 4,300 |
| Assets per employee ($millions) | 6.3812% | 2,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3449% | 2,250 |
| Loan loss allowance to noncurrent loans | 211.2676% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 0.5747% | 1,341 |
| Noncurrent loans to loans | 0.6366% | 1,715 |
| Net loans and leases to total assets | 86.2134% | 64 |
| Net loans and leases to deposits | 103.4944% | 161 |
| Net loans and leases to core deposits | 129.7209% | 122 |
| Total domestic deposits to total assets | 83.3025% | 3,633 |
| Equity capital to assets | 11.2839% | 1,828 |
| Core capital (leverage) ratio | 11.6737% | 1,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7785% | 2,439 |
| Memoranda: |
| Average total assets | $684,341,750 | 1,320 |
| Average earning assets | $654,602,750 | 1,302 |
| Average equity | $67,436,250 | 1,400 |
| Average total loans | $618,451,500 | 990 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0621% | 312 |
| Cost of funding earning assets | 1.0228% | 97 |
| Net interest margin | 4.0392% | 766 |
| Noninterest income to average assets | 0.4576% | 2,810 |
| Noninterest expense to average assets | 2.2301% | 2,982 |
| Loan and lease loss provision to assets | 0.2704% | 345 |
| Net operating income to assets | 1.3838% | 1,611 |
| Return on assets (ROA) | 1.3838% | 1,686 |
| Pretax return on assets | 1.8200% | 1,189 |
| Return on Equity (ROE) | 14.8405% | 1,205 |
| Retained earnings to average equity (ytd only) | 14.8405% | 457 |
| Net charge-offs to loans | 0.0696% | 933 |
| Credit loss provision to net charge-offs | 424.5283% | 737 |
| Earnings coverage of net charge-offs (x) | 32.8208% | 1,262 |
| Efficiency ratio | 51.2412% | 4,119 |
| Assets per employee ($millions) | 6.4747% | 2,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2974% | 2,451 |
| Loan loss allowance to noncurrent loans | 209.3212% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.5951% | 1,407 |
| Noncurrent loans to loans | 0.6198% | 1,858 |
| Net loans and leases to total assets | 91.6055% | 13 |
| Net loans and leases to deposits | 108.9635% | 122 |
| Net loans and leases to core deposits | 136.9897% | 94 |
| Total domestic deposits to total assets | 84.0699% | 3,417 |
| Equity capital to assets | 9.4843% | 3,342 |
| Core capital (leverage) ratio | 9.2523% | 3,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2031% | 3,069 |
| Memoranda: |
| Average total assets | $665,716,667 | 1,340 |
| Average earning assets | $636,655,667 | 1,318 |
| Average equity | $62,073,333 | 1,483 |
| Average total loans | $608,980,000 | 1,018 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9479% | 380 |
| Cost of funding earning assets | 1.0721% | 95 |
| Net interest margin | 3.8758% | 1,023 |
| Noninterest income to average assets | 0.4187% | 2,993 |
| Noninterest expense to average assets | 2.1721% | 3,194 |
| Loan and lease loss provision to assets | 0.2746% | 353 |
| Net operating income to assets | 1.2761% | 1,901 |
| Return on assets (ROA) | 1.2761% | 1,977 |
| Pretax return on assets | 1.6765% | 1,548 |
| Return on Equity (ROE) | 13.8102% | 1,471 |
| Retained earnings to average equity (ytd only) | 13.8102% | 778 |
| Net charge-offs to loans | 0.1338% | 560 |
| Credit loss provision to net charge-offs | 226.1307% | 851 |
| Earnings coverage of net charge-offs (x) | 16.0653% | 1,324 |
| Efficiency ratio | 52.2795% | 3,968 |
| Assets per employee ($millions) | 6.3215% | 2,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2793% | 2,530 |
| Loan loss allowance to noncurrent loans | 200.3327% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.6022% | 1,586 |
| Noncurrent loans to loans | 0.6386% | 1,980 |
| Net loans and leases to total assets | 89.2990% | 29 |
| Net loans and leases to deposits | 107.2647% | 157 |
| Net loans and leases to core deposits | 135.8320% | 108 |
| Total domestic deposits to total assets | 83.2511% | 3,629 |
| Equity capital to assets | 9.2506% | 3,444 |
| Core capital (leverage) ratio | 9.3179% | 3,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3211% | 3,037 |
| Memoranda: |
| Average total assets | $655,417,500 | 1,342 |
| Average earning assets | $626,445,500 | 1,326 |
| Average equity | $60,564,000 | 1,505 |
| Average total loans | $594,987,000 | 1,044 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3827% | 228 |
| Cost of funding earning assets | 1.4645% | 96 |
| Net interest margin | 3.9182% | 1,166 |
| Noninterest income to average assets | 0.4678% | 2,782 |
| Noninterest expense to average assets | 2.3441% | 3,289 |
| Loan and lease loss provision to assets | 0.3787% | 854 |
| Net operating income to assets | 1.1265% | 1,812 |
| Return on assets (ROA) | 1.1265% | 1,937 |
| Pretax return on assets | 1.4764% | 1,419 |
| Return on Equity (ROE) | 11.8882% | 1,351 |
| Retained earnings to average equity (ytd only) | 11.8882% | 328 |
| Net charge-offs to loans | 0.0201% | 2,664 |
| Credit loss provision to net charge-offs | 2,095.2381% | 425 |
| Earnings coverage of net charge-offs (x) | 102.6476% | 771 |
| Efficiency ratio | 55.3798% | 4,058 |
| Assets per employee ($millions) | 6.4085% | 1,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3104% | 2,361 |
| Loan loss allowance to noncurrent loans | 191.1201% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.6579% | 1,592 |
| Noncurrent loans to loans | 0.6857% | 1,971 |
| Net loans and leases to total assets | 89.9308% | 30 |
| Net loans and leases to deposits | 108.8081% | 178 |
| Net loans and leases to core deposits | 135.6471% | 154 |
| Total domestic deposits to total assets | 82.6508% | 3,505 |
| Equity capital to assets | 9.2297% | 3,857 |
| Core capital (leverage) ratio | 9.0166% | 3,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1009% | 3,075 |
| Memoranda: |
| Average total assets | $581,002,600 | 1,366 |
| Average earning assets | $553,289,200 | 1,340 |
| Average equity | $55,054,400 | 1,558 |
| Average total loans | $522,277,200 | 1,099 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3596% | 307 |
| Cost of funding earning assets | 1.5517% | 99 |
| Net interest margin | 3.8078% | 1,600 |
| Noninterest income to average assets | 0.4658% | 2,759 |
| Noninterest expense to average assets | 2.3359% | 3,324 |
| Loan and lease loss provision to assets | 0.3465% | 1,101 |
| Net operating income to assets | 1.0755% | 2,062 |
| Return on assets (ROA) | 1.0755% | 2,195 |
| Pretax return on assets | 1.4084% | 1,703 |
| Return on Equity (ROE) | 11.2686% | 1,599 |
| Retained earnings to average equity (ytd only) | 11.2686% | 527 |
| Net charge-offs to loans | -0.0052% | 4,058 |
| Credit loss provision to net charge-offs | -7,375.0000% | 4,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6376% | 3,839 |
| Assets per employee ($millions) | 6.1628% | 2,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2522% | 2,385 |
| Loan loss allowance to noncurrent loans | 184.0148% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.6747% | 1,707 |
| Noncurrent loans to loans | 0.6805% | 2,092 |
| Net loans and leases to total assets | 91.0900% | 24 |
| Net loans and leases to deposits | 111.0369% | 214 |
| Net loans and leases to core deposits | 138.8347% | 172 |
| Total domestic deposits to total assets | 82.0358% | 3,411 |
| Equity capital to assets | 9.3718% | 3,796 |
| Core capital (leverage) ratio | 9.1308% | 3,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5073% | 3,029 |
| Memoranda: |
| Average total assets | $567,643,500 | 1,378 |
| Average earning assets | $540,380,000 | 1,349 |
| Average equity | $54,178,750 | 1,569 |
| Average total loans | $508,313,500 | 1,114 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3531% | 441 |
| Cost of funding earning assets | 1.6600% | 87 |
| Net interest margin | 3.6931% | 2,187 |
| Noninterest income to average assets | 0.3373% | 3,452 |
| Noninterest expense to average assets | 2.2839% | 3,563 |
| Loan and lease loss provision to assets | 0.3420% | 1,246 |
| Net operating income to assets | 0.9148% | 2,638 |
| Return on assets (ROA) | 0.9148% | 2,758 |
| Pretax return on assets | 1.2276% | 2,263 |
| Return on Equity (ROE) | 9.5220% | 2,139 |
| Retained earnings to average equity (ytd only) | 9.5220% | 871 |
| Net charge-offs to loans | 0.0175% | 2,378 |
| Credit loss provision to net charge-offs | 2,209.3023% | 444 |
| Earnings coverage of net charge-offs (x) | 101.3953% | 695 |
| Efficiency ratio | 58.7631% | 3,586 |
| Assets per employee ($millions) | 6.1572% | 2,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2193% | 2,420 |
| Loan loss allowance to noncurrent loans | 146.7494% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 0.7967% | 1,558 |
| Noncurrent loans to loans | 0.8309% | 1,833 |
| Net loans and leases to total assets | 88.4743% | 52 |
| Net loans and leases to deposits | 108.1182% | 267 |
| Net loans and leases to core deposits | 134.0937% | 215 |
| Total domestic deposits to total assets | 81.8312% | 3,415 |
| Equity capital to assets | 9.3574% | 3,773 |
| Core capital (leverage) ratio | 9.0157% | 3,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7741% | 3,026 |
| Memoranda: |
| Average total assets | $555,541,333 | 1,380 |
| Average earning assets | $528,926,667 | 1,349 |
| Average equity | $53,371,333 | 1,574 |
| Average total loans | $492,046,667 | 1,129 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5151% | 370 |
| Cost of funding earning assets | 1.8335% | 70 |
| Net interest margin | 3.6817% | 2,390 |
| Noninterest income to average assets | 0.3409% | 3,478 |
| Noninterest expense to average assets | 2.2868% | 3,796 |
| Loan and lease loss provision to assets | 0.3143% | 987 |
| Net operating income to assets | 0.9237% | 2,442 |
| Return on assets (ROA) | 0.9237% | 2,548 |
| Pretax return on assets | 1.2403% | 2,065 |
| Return on Equity (ROE) | 9.4819% | 1,921 |
| Retained earnings to average equity (ytd only) | 9.4819% | 849 |
| Net charge-offs to loans | 0.0370% | 1,679 |
| Credit loss provision to net charge-offs | 965.9091% | 592 |
| Earnings coverage of net charge-offs (x) | 47.7727% | 926 |
| Efficiency ratio | 59.0104% | 3,869 |
| Assets per employee ($millions) | 5.7975% | 1,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2154% | 2,583 |
| Loan loss allowance to noncurrent loans | 153.2950% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.7608% | 1,775 |
| Noncurrent loans to loans | 0.7928% | 2,026 |
| Net loans and leases to total assets | 86.5078% | 119 |
| Net loans and leases to deposits | 107.3126% | 253 |
| Net loans and leases to core deposits | 134.8266% | 213 |
| Total domestic deposits to total assets | 80.6129% | 3,740 |
| Equity capital to assets | 9.6976% | 4,045 |
| Core capital (leverage) ratio | 9.4596% | 4,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7157% | 3,179 |
| Memoranda: |
| Average total assets | $540,847,000 | 1,376 |
| Average earning assets | $514,221,000 | 1,344 |
| Average equity | $52,690,000 | 1,583 |
| Average total loans | $476,119,500 | 1,136 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6057% | 472 |
| Cost of funding earning assets | 1.9224% | 85 |
| Net interest margin | 3.6833% | 2,856 |
| Noninterest income to average assets | 0.4061% | 3,258 |
| Noninterest expense to average assets | 2.3773% | 3,743 |
| Loan and lease loss provision to assets | 0.2982% | 564 |
| Net operating income to assets | 0.9201% | 3,122 |
| Return on assets (ROA) | 0.9201% | 3,196 |
| Pretax return on assets | 1.2294% | 2,734 |
| Return on Equity (ROE) | 9.5886% | 2,484 |
| Retained earnings to average equity (ytd only) | 9.5886% | 573 |
| Net charge-offs to loans | 0.2209% | 925 |
| Credit loss provision to net charge-offs | 151.9757% | 1,679 |
| Earnings coverage of net charge-offs (x) | 7.7862% | 2,843 |
| Efficiency ratio | 60.3309% | 3,642 |
| Assets per employee ($millions) | 5.7710% | 1,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1664% | 2,607 |
| Loan loss allowance to noncurrent loans | 148.7785% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 0.7670% | 1,689 |
| Noncurrent loans to loans | 0.7840% | 1,940 |
| Net loans and leases to total assets | 87.4771% | 100 |
| Net loans and leases to deposits | 108.0065% | 224 |
| Net loans and leases to core deposits | 135.3166% | 218 |
| Total domestic deposits to total assets | 80.9924% | 3,773 |
| Equity capital to assets | 9.7883% | 4,116 |
| Core capital (leverage) ratio | 9.3551% | 4,218 |
| Tier 1 risk-based capital ratio | 10.6660% | 4,965 |
| Total risk-based capital ratio | 11.8557% | 4,912 |
| Memoranda: |
| Average total assets | $503,097,200 | 1,419 |
| Average earning assets | $477,886,800 | 1,387 |
| Average equity | $48,276,200 | 1,654 |
| Average total loans | $446,881,000 | 1,166 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5871% | 506 |
| Cost of funding earning assets | 1.9046% | 92 |
| Net interest margin | 3.6826% | 2,984 |
| Noninterest income to average assets | 0.3502% | 3,633 |
| Noninterest expense to average assets | 2.3512% | 3,820 |
| Loan and lease loss provision to assets | 0.3023% | 488 |
| Net operating income to assets | 0.8933% | 3,370 |
| Return on assets (ROA) | 0.8933% | 3,444 |
| Pretax return on assets | 1.1921% | 3,006 |
| Return on Equity (ROE) | 9.3593% | 2,735 |
| Retained earnings to average equity (ytd only) | 9.3593% | 941 |
| Net charge-offs to loans | 0.2361% | 757 |
| Credit loss provision to net charge-offs | 144.0461% | 1,689 |
| Earnings coverage of net charge-offs (x) | 7.1203% | 2,771 |
| Efficiency ratio | 60.5730% | 3,528 |
| Assets per employee ($millions) | 5.8624% | 1,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1489% | 2,779 |
| Loan loss allowance to noncurrent loans | 368.6329% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.3826% | 2,979 |
| Noncurrent loans to loans | 0.3117% | 3,408 |
| Net loans and leases to total assets | 87.5973% | 113 |
| Net loans and leases to deposits | 108.0518% | 268 |
| Net loans and leases to core deposits | 134.2521% | 250 |
| Total domestic deposits to total assets | 81.0697% | 3,734 |
| Equity capital to assets | 9.7074% | 4,286 |
| Core capital (leverage) ratio | 9.2693% | 4,403 |
| Tier 1 risk-based capital ratio | 10.7288% | 5,010 |
| Total risk-based capital ratio | 11.9208% | 4,948 |
| Memoranda: |
| Average total assets | $496,138,750 | 1,440 |
| Average earning assets | $470,926,500 | 1,417 |
| Average equity | $47,353,000 | 1,678 |
| Average total loans | $441,120,250 | 1,183 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4992% | 568 |
| Cost of funding earning assets | 1.8542% | 100 |
| Net interest margin | 3.6449% | 3,115 |
| Noninterest income to average assets | 0.3437% | 3,639 |
| Noninterest expense to average assets | 2.3991% | 3,736 |
| Loan and lease loss provision to assets | 0.3076% | 443 |
| Net operating income to assets | 0.8220% | 3,579 |
| Return on assets (ROA) | 0.8220% | 3,635 |
| Pretax return on assets | 1.0943% | 3,251 |
| Return on Equity (ROE) | 8.6651% | 2,995 |
| Retained earnings to average equity (ytd only) | 8.6651% | 1,140 |
| Net charge-offs to loans | 0.3769% | 439 |
| Credit loss provision to net charge-offs | 91.6870% | 2,117 |
| Earnings coverage of net charge-offs (x) | 4.1785% | 2,757 |
| Efficiency ratio | 62.5337% | 3,347 |
| Assets per employee ($millions) | 5.4180% | 2,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0947% | 3,103 |
| Loan loss allowance to noncurrent loans | 261.7521% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.4461% | 2,736 |
| Noncurrent loans to loans | 0.4182% | 3,037 |
| Net loans and leases to total assets | 87.8645% | 119 |
| Net loans and leases to deposits | 109.3287% | 232 |
| Net loans and leases to core deposits | 136.7903% | 226 |
| Total domestic deposits to total assets | 80.3673% | 3,963 |
| Equity capital to assets | 9.7825% | 4,155 |
| Core capital (leverage) ratio | 9.2775% | 4,382 |
| Tier 1 risk-based capital ratio | 10.6328% | 5,058 |
| Total risk-based capital ratio | 11.7542% | 5,020 |
| Memoranda: |
| Average total assets | $487,599,330 | 1,464 |
| Average earning assets | $462,507,670 | 1,444 |
| Average equity | $46,254,330 | 1,709 |
| Average total loans | $434,041,330 | 1,199 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3777% | 660 |
| Cost of funding earning assets | 1.7744% | 110 |
| Net interest margin | 3.6034% | 3,237 |
| Noninterest income to average assets | 0.2811% | 4,001 |
| Noninterest expense to average assets | 2.4336% | 3,672 |
| Loan and lease loss provision to assets | 0.3129% | 404 |
| Net operating income to assets | 0.7133% | 3,892 |
| Return on assets (ROA) | 0.7133% | 3,937 |
| Pretax return on assets | 0.9469% | 3,625 |
| Return on Equity (ROE) | 7.6449% | 3,403 |
| Retained earnings to average equity (ytd only) | 7.6449% | 1,789 |
| Net charge-offs to loans | 0.0075% | 2,428 |
| Credit loss provision to net charge-offs | 4,687.5000% | 85 |
| Earnings coverage of net charge-offs (x) | 188.7500% | 412 |
| Efficiency ratio | 65.2812% | 3,045 |
| Assets per employee ($millions) | 5.5477% | 1,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2098% | 2,525 |
| Loan loss allowance to noncurrent loans | 95.4383% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 1.2095% | 1,103 |
| Noncurrent loans to loans | 1.2676% | 1,299 |
| Net loans and leases to total assets | 88.2324% | 90 |
| Net loans and leases to deposits | 109.1189% | 240 |
| Net loans and leases to core deposits | 138.2593% | 204 |
| Total domestic deposits to total assets | 80.8590% | 3,996 |
| Equity capital to assets | 9.3149% | 4,418 |
| Core capital (leverage) ratio | 9.1015% | 4,571 |
| Tier 1 risk-based capital ratio | 10.1485% | 5,256 |
| Total risk-based capital ratio | 11.3984% | 5,206 |
| Memoranda: |
| Average total assets | $479,460,000 | 1,492 |
| Average earning assets | $454,020,500 | 1,466 |
| Average equity | $44,735,500 | 1,743 |
| Average total loans | $427,247,000 | 1,219 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0286% | 989 |
| Cost of funding earning assets | 1.3774% | 154 |
| Net interest margin | 3.6512% | 3,217 |
| Noninterest income to average assets | 0.5240% | 2,694 |
| Noninterest expense to average assets | 2.4835% | 3,658 |
| Loan and lease loss provision to assets | 0.3658% | 403 |
| Net operating income to assets | 0.8556% | 3,593 |
| Return on assets (ROA) | 0.8556% | 3,586 |
| Pretax return on assets | 1.1351% | 3,157 |
| Return on Equity (ROE) | 9.2239% | 2,875 |
| Retained earnings to average equity (ytd only) | 9.2239% | 799 |
| Net charge-offs to loans | 0.1914% | 1,001 |
| Credit loss provision to net charge-offs | 215.9888% | 1,340 |
| Earnings coverage of net charge-offs (x) | 8.8626% | 2,856 |
| Efficiency ratio | 61.6870% | 3,589 |
| Assets per employee ($millions) | 5.4090% | 2,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2014% | 2,564 |
| Loan loss allowance to noncurrent loans | 110.5966% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 1.0478% | 1,300 |
| Noncurrent loans to loans | 1.0863% | 1,504 |
| Net loans and leases to total assets | 87.8267% | 124 |
| Net loans and leases to deposits | 108.2138% | 298 |
| Net loans and leases to core deposits | 136.5036% | 237 |
| Total domestic deposits to total assets | 81.1604% | 3,855 |
| Equity capital to assets | 9.3468% | 4,271 |
| Core capital (leverage) ratio | 9.0244% | 4,633 |
| Tier 1 risk-based capital ratio | 10.1890% | 5,259 |
| Total risk-based capital ratio | 11.4266% | 5,197 |
| Memoranda: |
| Average total assets | $421,015,000 | 1,622 |
| Average earning assets | $399,021,400 | 1,594 |
| Average equity | $39,050,600 | 1,905 |
| Average total loans | $372,555,800 | 1,329 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9027% | 1,147 |
| Cost of funding earning assets | 1.2721% | 179 |
| Net interest margin | 3.6306% | 3,266 |
| Noninterest income to average assets | 0.5795% | 2,420 |
| Noninterest expense to average assets | 2.4674% | 3,683 |
| Loan and lease loss provision to assets | 0.3789% | 341 |
| Net operating income to assets | 0.8869% | 3,594 |
| Return on assets (ROA) | 0.8869% | 3,595 |
| Pretax return on assets | 1.1776% | 3,080 |
| Return on Equity (ROE) | 9.5824% | 2,804 |
| Retained earnings to average equity (ytd only) | 9.5824% | 1,032 |
| Net charge-offs to loans | 0.2226% | 764 |
| Credit loss provision to net charge-offs | 192.5620% | 1,428 |
| Earnings coverage of net charge-offs (x) | 7.9107% | 2,762 |
| Efficiency ratio | 60.6643% | 3,710 |
| Assets per employee ($millions) | 5.1744% | 2,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1990% | 2,631 |
| Loan loss allowance to noncurrent loans | 96.4901% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 1.1607% | 1,222 |
| Noncurrent loans to loans | 1.2426% | 1,356 |
| Net loans and leases to total assets | 88.0766% | 140 |
| Net loans and leases to deposits | 107.8335% | 361 |
| Net loans and leases to core deposits | 130.1140% | 328 |
| Total domestic deposits to total assets | 81.6784% | 3,697 |
| Equity capital to assets | 9.3749% | 4,204 |
| Core capital (leverage) ratio | 9.1301% | 4,587 |
| Tier 1 risk-based capital ratio | 10.2355% | 5,317 |
| Total risk-based capital ratio | 11.4772% | 5,252 |
| Memoranda: |
| Average total assets | $409,975,250 | 1,675 |
| Average earning assets | $388,944,500 | 1,634 |
| Average equity | $37,943,500 | 1,947 |
| Average total loans | $362,316,000 | 1,353 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8388% | 1,152 |
| Cost of funding earning assets | 1.1848% | 193 |
| Net interest margin | 3.6540% | 3,102 |
| Noninterest income to average assets | 0.6430% | 2,126 |
| Noninterest expense to average assets | 2.4658% | 3,728 |
| Loan and lease loss provision to assets | 0.3950% | 312 |
| Net operating income to assets | 0.9119% | 3,409 |
| Return on assets (ROA) | 0.9119% | 3,416 |
| Pretax return on assets | 1.2469% | 2,737 |
| Return on Equity (ROE) | 9.9004% | 2,613 |
| Retained earnings to average equity (ytd only) | 9.9004% | 954 |
| Net charge-offs to loans | 0.3405% | 472 |
| Credit loss provision to net charge-offs | 131.6667% | 1,709 |
| Earnings coverage of net charge-offs (x) | 5.4733% | 2,706 |
| Efficiency ratio | 59.3720% | 4,030 |
| Assets per employee ($millions) | 5.1294% | 2,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1789% | 2,840 |
| Loan loss allowance to noncurrent loans | 77.8257% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 1.4049% | 979 |
| Noncurrent loans to loans | 1.5148% | 1,104 |
| Net loans and leases to total assets | 87.3783% | 180 |
| Net loans and leases to deposits | 107.1028% | 389 |
| Net loans and leases to core deposits | 127.4350% | 383 |
| Total domestic deposits to total assets | 81.5836% | 3,847 |
| Equity capital to assets | 9.2391% | 4,344 |
| Core capital (leverage) ratio | 8.8868% | 4,803 |
| Tier 1 risk-based capital ratio | 10.0201% | 5,427 |
| Total risk-based capital ratio | 11.2315% | 5,378 |
| Memoranda: |
| Average total assets | $400,025,670 | 1,727 |
| Average earning assets | $379,306,000 | 1,690 |
| Average equity | $36,847,000 | 1,993 |
| Average total loans | $352,393,670 | 1,387 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7786% | 1,126 |
| Cost of funding earning assets | 1.1070% | 222 |
| Net interest margin | 3.6716% | 2,912 |
| Noninterest income to average assets | 0.3864% | 3,559 |
| Noninterest expense to average assets | 2.4981% | 3,649 |
| Loan and lease loss provision to assets | 0.2294% | 681 |
| Net operating income to assets | 0.8585% | 3,468 |
| Return on assets (ROA) | 0.8585% | 3,478 |
| Pretax return on assets | 1.1389% | 3,006 |
| Return on Equity (ROE) | 9.3356% | 2,748 |
| Retained earnings to average equity (ytd only) | 9.3356% | 1,348 |
| Net charge-offs to loans | 0.6495% | 231 |
| Credit loss provision to net charge-offs | 40.1786% | 2,013 |
| Earnings coverage of net charge-offs (x) | 2.3964% | 2,465 |
| Efficiency ratio | 63.8977% | 3,496 |
| Assets per employee ($millions) | 4.7844% | 2,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0807% | 3,499 |
| Loan loss allowance to noncurrent loans | 72.3523% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 1.3810% | 1,059 |
| Noncurrent loans to loans | 1.4937% | 1,181 |
| Net loans and leases to total assets | 86.9203% | 198 |
| Net loans and leases to deposits | 107.1180% | 341 |
| Net loans and leases to core deposits | 128.2295% | 369 |
| Total domestic deposits to total assets | 81.1444% | 4,166 |
| Equity capital to assets | 9.1752% | 4,389 |
| Core capital (leverage) ratio | 8.7118% | 4,979 |
| Tier 1 risk-based capital ratio | 10.1740% | 5,454 |
| Total risk-based capital ratio | 11.3087% | 5,423 |
| Memoranda: |
| Average total assets | $392,297,000 | 1,770 |
| Average earning assets | $371,825,500 | 1,732 |
| Average equity | $36,077,000 | 2,036 |
| Average total loans | $344,904,000 | 1,424 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8634% | 864 |
| Cost of funding earning assets | 0.9729% | 253 |
| Net interest margin | 3.8905% | 2,116 |
| Noninterest income to average assets | 0.3969% | 3,659 |
| Noninterest expense to average assets | 2.8223% | 2,702 |
| Loan and lease loss provision to assets | 0.0821% | 2,557 |
| Net operating income to assets | 1.0659% | 1,987 |
| Return on assets (ROA) | 1.0659% | 2,015 |
| Pretax return on assets | 1.1805% | 2,849 |
| Return on Equity (ROE) | 11.4988% | 1,340 |
| Retained earnings to average equity (ytd only) | 11.4988% | 209 |
| Net charge-offs to loans | 0.0314% | 3,166 |
| Credit loss provision to net charge-offs | 303.0303% | 932 |
| Earnings coverage of net charge-offs (x) | 46.6263% | 1,149 |
| Efficiency ratio | 68.3696% | 2,824 |
| Assets per employee ($millions) | 4.7838% | 2,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2046% | 2,747 |
| Loan loss allowance to noncurrent loans | 79.7436% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 1.3990% | 1,003 |
| Noncurrent loans to loans | 1.5105% | 1,125 |
| Net loans and leases to total assets | 86.9099% | 199 |
| Net loans and leases to deposits | 106.9033% | 363 |
| Net loans and leases to core deposits | 129.0472% | 364 |
| Total domestic deposits to total assets | 81.2976% | 4,054 |
| Equity capital to assets | 9.2180% | 4,508 |
| Core capital (leverage) ratio | 8.6730% | 4,977 |
| Tier 1 risk-based capital ratio | 10.1769% | 5,489 |
| Total risk-based capital ratio | 11.4268% | 5,410 |
| Memoranda: |
| Average total assets | $365,618,000 | 1,847 |
| Average earning assets | $346,588,400 | 1,813 |
| Average equity | $33,890,400 | 2,137 |
| Average total loans | $314,838,600 | 1,504 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8478% | 841 |
| Cost of funding earning assets | 0.9297% | 295 |
| Net interest margin | 3.9181% | 1,977 |
| Noninterest income to average assets | 0.4380% | 3,420 |
| Noninterest expense to average assets | 2.9280% | 2,313 |
| Loan and lease loss provision to assets | 0.0555% | 2,979 |
| Net operating income to assets | 1.1562% | 1,855 |
| Return on assets (ROA) | 1.1562% | 1,899 |
| Pretax return on assets | 1.1662% | 3,038 |
| Return on Equity (ROE) | 12.4544% | 1,199 |
| Retained earnings to average equity (ytd only) | 12.4544% | 264 |
| Net charge-offs to loans | -0.0091% | 4,610 |
| Credit loss provision to net charge-offs | -714.2857% | 4,885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8367% | 2,560 |
| Assets per employee ($millions) | 4.7938% | 2,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2656% | 2,549 |
| Loan loss allowance to noncurrent loans | 98.9320% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 1.0759% | 1,553 |
| Noncurrent loans to loans | 1.2793% | 1,498 |
| Net loans and leases to total assets | 82.9132% | 556 |
| Net loans and leases to deposits | 101.4336% | 652 |
| Net loans and leases to core deposits | 128.4059% | 367 |
| Total domestic deposits to total assets | 81.7414% | 3,856 |
| Equity capital to assets | 9.1432% | 4,786 |
| Core capital (leverage) ratio | 8.7818% | 4,988 |
| Tier 1 risk-based capital ratio | 10.4225% | 5,479 |
| Total risk-based capital ratio | 11.6732% | 5,414 |
| Memoranda: |
| Average total assets | $360,149,750 | 1,880 |
| Average earning assets | $341,178,750 | 1,848 |
| Average equity | $33,433,250 | 2,171 |
| Average total loans | $308,329,750 | 1,540 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8477% | 776 |
| Cost of funding earning assets | 0.8824% | 343 |
| Net interest margin | 3.9653% | 1,724 |
| Noninterest income to average assets | 0.4910% | 3,079 |
| Noninterest expense to average assets | 2.3754% | 4,133 |
| Loan and lease loss provision to assets | 0.0851% | 2,285 |
| Net operating income to assets | 1.1409% | 1,821 |
| Return on assets (ROA) | 1.1409% | 1,871 |
| Pretax return on assets | 1.8004% | 836 |
| Return on Equity (ROE) | 12.2228% | 1,231 |
| Retained earnings to average equity (ytd only) | 12.2228% | 301 |
| Net charge-offs to loans | -0.1086% | 5,435 |
| Credit loss provision to net charge-offs | -90.9091% | 4,338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0286% | 4,920 |
| Assets per employee ($millions) | 4.6918% | 2,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3263% | 2,291 |
| Loan loss allowance to noncurrent loans | 127.4539% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 0.9182% | 1,916 |
| Noncurrent loans to loans | 1.0406% | 1,890 |
| Net loans and leases to total assets | 86.9066% | 215 |
| Net loans and leases to deposits | 107.3290% | 346 |
| Net loans and leases to core deposits | 130.0409% | 307 |
| Total domestic deposits to total assets | 80.9721% | 4,191 |
| Equity capital to assets | 9.4039% | 4,508 |
| Core capital (leverage) ratio | 8.8216% | 4,926 |
| Tier 1 risk-based capital ratio | 10.3468% | 5,520 |
| Total risk-based capital ratio | 11.5984% | 5,450 |
| Memoranda: |
| Average total assets | $352,364,000 | 1,914 |
| Average earning assets | $335,004,330 | 1,880 |
| Average equity | $32,889,330 | 2,192 |
| Average total loans | $303,755,000 | 1,559 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8200% | 716 |
| Cost of funding earning assets | 0.8566% | 367 |
| Net interest margin | 3.9634% | 1,569 |
| Noninterest income to average assets | 0.5944% | 2,446 |
| Noninterest expense to average assets | 2.3615% | 4,225 |
| Loan and lease loss provision to assets | 0.1725% | 1,023 |
| Net operating income to assets | 1.1532% | 1,653 |
| Return on assets (ROA) | 1.1532% | 1,689 |
| Pretax return on assets | 1.8269% | 744 |
| Return on Equity (ROE) | 12.4028% | 1,136 |
| Retained earnings to average equity (ytd only) | 12.4028% | 433 |
| Net charge-offs to loans | -0.1848% | 5,606 |
| Credit loss provision to net charge-offs | -109.4891% | 3,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4405% | 5,173 |
| Assets per employee ($millions) | 5.0489% | 2,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3771% | 2,180 |
| Loan loss allowance to noncurrent loans | 147.4499% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.8061% | 2,287 |
| Noncurrent loans to loans | 0.9340% | 2,173 |
| Net loans and leases to total assets | 84.9442% | 292 |
| Net loans and leases to deposits | 103.3823% | 430 |
| Net loans and leases to core deposits | 123.4351% | 376 |
| Total domestic deposits to total assets | 82.1651% | 4,125 |
| Equity capital to assets | 9.3024% | 4,507 |
| Core capital (leverage) ratio | 8.7894% | 4,966 |
| Tier 1 risk-based capital ratio | 10.4194% | 5,578 |
| Total risk-based capital ratio | 11.6717% | 5,498 |
| Memoranda: |
| Average total assets | $347,913,500 | 1,946 |
| Average earning assets | $330,623,500 | 1,908 |
| Average equity | $32,347,500 | 2,223 |
| Average total loans | $296,541,000 | 1,596 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8680% | 781 |
| Cost of funding earning assets | 0.7909% | 528 |
| Net interest margin | 4.0771% | 1,434 |
| Noninterest income to average assets | 0.3527% | 4,205 |
| Noninterest expense to average assets | 2.3701% | 4,367 |
| Loan and lease loss provision to assets | 0.2131% | 1,058 |
| Net operating income to assets | 1.0888% | 1,942 |
| Return on assets (ROA) | 1.0888% | 2,047 |
| Pretax return on assets | 1.6533% | 1,124 |
| Return on Equity (ROE) | 11.5034% | 1,402 |
| Retained earnings to average equity (ytd only) | 11.5034% | 257 |
| Net charge-offs to loans | -0.0269% | 5,202 |
| Credit loss provision to net charge-offs | -924.6575% | 5,285 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1539% | 5,135 |
| Assets per employee ($millions) | 4.8226% | 2,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3527% | 2,287 |
| Loan loss allowance to noncurrent loans | 250.6418% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.4971% | 3,269 |
| Noncurrent loans to loans | 0.5397% | 3,231 |
| Net loans and leases to total assets | 83.1686% | 463 |
| Net loans and leases to deposits | 101.0758% | 594 |
| Net loans and leases to core deposits | 119.6773% | 491 |
| Total domestic deposits to total assets | 82.2834% | 4,000 |
| Equity capital to assets | 9.2926% | 4,481 |
| Core capital (leverage) ratio | 8.7624% | 5,013 |
| Tier 1 risk-based capital ratio | 10.6038% | 5,528 |
| Total risk-based capital ratio | 11.8558% | 5,450 |
| Memoranda: |
| Average total assets | $316,691,600 | 2,077 |
| Average earning assets | $301,682,200 | 2,031 |
| Average equity | $29,973,800 | 2,348 |
| Average total loans | $270,950,600 | 1,671 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8519% | 806 |
| Cost of funding earning assets | 0.7710% | 571 |
| Net interest margin | 4.0809% | 1,435 |
| Noninterest income to average assets | 0.3494% | 4,288 |
| Noninterest expense to average assets | 2.3695% | 4,356 |
| Loan and lease loss provision to assets | 0.2419% | 790 |
| Net operating income to assets | 1.0717% | 2,109 |
| Return on assets (ROA) | 1.0717% | 2,222 |
| Pretax return on assets | 1.6252% | 1,319 |
| Return on Equity (ROE) | 11.2672% | 1,572 |
| Retained earnings to average equity (ytd only) | 11.2672% | 395 |
| Net charge-offs to loans | -0.0550% | 5,396 |
| Credit loss provision to net charge-offs | -511.8182% | 5,080 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1374% | 5,142 |
| Assets per employee ($millions) | 4.6613% | 2,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3257% | 2,546 |
| Loan loss allowance to noncurrent loans | 259.2417% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.4502% | 3,617 |
| Noncurrent loans to loans | 0.5114% | 3,466 |
| Net loans and leases to total assets | 86.1135% | 249 |
| Net loans and leases to deposits | 105.1890% | 405 |
| Net loans and leases to core deposits | 125.1222% | 389 |
| Total domestic deposits to total assets | 81.8655% | 3,973 |
| Equity capital to assets | 9.3200% | 4,848 |
| Core capital (leverage) ratio | 8.6201% | 5,241 |
| Tier 1 risk-based capital ratio | 10.0310% | 5,786 |
| Total risk-based capital ratio | 11.2822% | 5,735 |
| Memoranda: |
| Average total assets | $310,264,000 | 2,115 |
| Average earning assets | $295,549,250 | 2,073 |
| Average equity | $29,512,750 | 2,402 |
| Average total loans | $266,519,250 | 1,695 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8168% | 855 |
| Cost of funding earning assets | 0.7405% | 664 |
| Net interest margin | 4.0763% | 1,427 |
| Noninterest income to average assets | 0.3422% | 4,332 |
| Noninterest expense to average assets | 2.3701% | 4,425 |
| Loan and lease loss provision to assets | 0.2967% | 609 |
| Net operating income to assets | 1.0298% | 2,253 |
| Return on assets (ROA) | 1.0298% | 2,389 |
| Pretax return on assets | 1.5552% | 1,503 |
| Return on Equity (ROE) | 10.7470% | 1,741 |
| Retained earnings to average equity (ytd only) | 10.7470% | 471 |
| Net charge-offs to loans | -0.0170% | 4,879 |
| Credit loss provision to net charge-offs | -2,045.4545% | 5,220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3404% | 5,211 |
| Assets per employee ($millions) | 4.7170% | 2,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3241% | 2,650 |
| Loan loss allowance to noncurrent loans | 260.8914% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.4377% | 3,757 |
| Noncurrent loans to loans | 0.5075% | 3,560 |
| Net loans and leases to total assets | 84.3138% | 397 |
| Net loans and leases to deposits | 104.2688% | 447 |
| Net loans and leases to core deposits | 121.0326% | 490 |
| Total domestic deposits to total assets | 80.8620% | 4,314 |
| Equity capital to assets | 9.3293% | 4,942 |
| Core capital (leverage) ratio | 8.8383% | 5,011 |
| Tier 1 risk-based capital ratio | 10.1248% | 5,809 |
| Total risk-based capital ratio | 11.3759% | 5,752 |
| Memoranda: |
| Average total assets | $303,367,000 | 2,159 |
| Average earning assets | $288,740,330 | 2,121 |
| Average equity | $29,068,670 | 2,450 |
| Average total loans | $259,083,670 | 1,746 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8029% | 840 |
| Cost of funding earning assets | 0.7184% | 734 |
| Net interest margin | 4.0846% | 1,386 |
| Noninterest income to average assets | 0.4045% | 3,798 |
| Noninterest expense to average assets | 2.3932% | 4,393 |
| Loan and lease loss provision to assets | 0.3054% | 511 |
| Net operating income to assets | 1.0452% | 2,102 |
| Return on assets (ROA) | 1.0452% | 2,215 |
| Pretax return on assets | 1.5882% | 1,329 |
| Return on Equity (ROE) | 10.7538% | 1,693 |
| Retained earnings to average equity (ytd only) | 10.7538% | 701 |
| Net charge-offs to loans | -0.0922% | 5,598 |
| Credit loss provision to net charge-offs | -387.9310% | 4,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0665% | 5,283 |
| Assets per employee ($millions) | 4.6399% | 2,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3213% | 2,794 |
| Loan loss allowance to noncurrent loans | 288.1072% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.4058% | 3,966 |
| Noncurrent loans to loans | 0.4586% | 3,801 |
| Net loans and leases to total assets | 85.1868% | 279 |
| Net loans and leases to deposits | 104.0739% | 408 |
| Net loans and leases to core deposits | 121.7516% | 421 |
| Total domestic deposits to total assets | 81.8522% | 4,269 |
| Equity capital to assets | 9.6431% | 4,512 |
| Core capital (leverage) ratio | 9.0572% | 4,785 |
| Tier 1 risk-based capital ratio | 10.3425% | 5,809 |
| Total risk-based capital ratio | 11.5937% | 5,738 |
| Memoranda: |
| Average total assets | $294,673,500 | 2,217 |
| Average earning assets | $280,078,000 | 2,180 |
| Average equity | $28,641,000 | 2,467 |
| Average total loans | $251,591,000 | 1,786 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7953% | 937 |
| Cost of funding earning assets | 0.6085% | 1,320 |
| Net interest margin | 4.1869% | 1,193 |
| Noninterest income to average assets | 0.3915% | 4,096 |
| Noninterest expense to average assets | 2.3517% | 4,643 |
| Loan and lease loss provision to assets | 0.4601% | 260 |
| Net operating income to assets | 0.9970% | 2,377 |
| Return on assets (ROA) | 1.0144% | 2,366 |
| Pretax return on assets | 1.5750% | 1,330 |
| Return on Equity (ROE) | 10.1556% | 1,956 |
| Retained earnings to average equity (ytd only) | 10.1556% | 446 |
| Net charge-offs to loans | 0.1023% | 2,391 |
| Credit loss provision to net charge-offs | 534.6320% | 614 |
| Earnings coverage of net charge-offs (x) | 23.3333% | 1,734 |
| Efficiency ratio | 53.1146% | 5,580 |
| Assets per employee ($millions) | 4.7172% | 2,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3001% | 2,901 |
| Loan loss allowance to noncurrent loans | 233.6788% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.4740% | 3,729 |
| Noncurrent loans to loans | 0.5564% | 3,502 |
| Net loans and leases to total assets | 83.2891% | 454 |
| Net loans and leases to deposits | 102.2872% | 530 |
| Net loans and leases to core deposits | 121.4513% | 440 |
| Total domestic deposits to total assets | 81.4267% | 4,362 |
| Equity capital to assets | 9.7998% | 4,189 |
| Core capital (leverage) ratio | 9.2604% | 4,530 |
| Tier 1 risk-based capital ratio | 10.5940% | 5,733 |
| Total risk-based capital ratio | 11.8443% | 5,653 |
| Memoranda: |
| Average total assets | $268,438,800 | 2,355 |
| Average earning assets | $254,414,800 | 2,310 |
| Average equity | $26,812,800 | 2,567 |
| Average total loans | $225,903,800 | 1,888 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7883% | 957 |
| Cost of funding earning assets | 0.5866% | 1,485 |
| Net interest margin | 4.2017% | 1,161 |
| Noninterest income to average assets | 0.4031% | 4,063 |
| Noninterest expense to average assets | 2.3514% | 4,647 |
| Loan and lease loss provision to assets | 0.4957% | 205 |
| Net operating income to assets | 0.9910% | 2,512 |
| Return on assets (ROA) | 1.0146% | 2,497 |
| Pretax return on assets | 1.5745% | 1,458 |
| Return on Equity (ROE) | 10.1057% | 2,064 |
| Retained earnings to average equity (ytd only) | 10.1057% | 618 |
| Net charge-offs to loans | 0.1167% | 1,960 |
| Credit loss provision to net charge-offs | 505.1546% | 641 |
| Earnings coverage of net charge-offs (x) | 20.7217% | 1,858 |
| Efficiency ratio | 52.7858% | 5,597 |
| Assets per employee ($millions) | 4.9280% | 2,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2415% | 3,422 |
| Loan loss allowance to noncurrent loans | 215.2381% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.4993% | 3,827 |
| Noncurrent loans to loans | 0.5768% | 3,605 |
| Net loans and leases to total assets | 84.6863% | 329 |
| Net loans and leases to deposits | 103.5192% | 472 |
| Net loans and leases to core deposits | 120.6853% | 449 |
| Total domestic deposits to total assets | 81.8073% | 4,224 |
| Equity capital to assets | 9.9656% | 4,192 |
| Core capital (leverage) ratio | 9.1879% | 4,743 |
| Tier 1 risk-based capital ratio | 10.9436% | 5,683 |
| Total risk-based capital ratio | 12.1939% | 5,597 |
| Memoranda: |
| Average total assets | $263,610,500 | 2,413 |
| Average earning assets | $249,797,750 | 2,361 |
| Average equity | $26,466,250 | 2,616 |
| Average total loans | $221,674,000 | 1,921 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7484% | 986 |
| Cost of funding earning assets | 0.5531% | 1,790 |
| Net interest margin | 4.1952% | 1,117 |
| Noninterest income to average assets | 0.2960% | 4,841 |
| Noninterest expense to average assets | 2.3754% | 4,635 |
| Loan and lease loss provision to assets | 0.3931% | 310 |
| Net operating income to assets | 0.9657% | 2,559 |
| Return on assets (ROA) | 1.0027% | 2,482 |
| Pretax return on assets | 1.5538% | 1,470 |
| Return on Equity (ROE) | 9.9613% | 2,089 |
| Retained earnings to average equity (ytd only) | 9.9613% | 675 |
| Net charge-offs to loans | -0.1624% | 5,957 |
| Credit loss provision to net charge-offs | -289.7727% | 5,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8066% | 5,521 |
| Assets per employee ($millions) | 4.8659% | 2,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2399% | 3,563 |
| Loan loss allowance to noncurrent loans | 212.8186% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.4943% | 3,968 |
| Noncurrent loans to loans | 0.5826% | 3,708 |
| Net loans and leases to total assets | 82.9901% | 475 |
| Net loans and leases to deposits | 99.9077% | 665 |
| Net loans and leases to core deposits | 115.9414% | 595 |
| Total domestic deposits to total assets | 83.0668% | 3,925 |
| Equity capital to assets | 9.8070% | 4,269 |
| Core capital (leverage) ratio | 9.3473% | 4,491 |
| Tier 1 risk-based capital ratio | 11.3105% | 5,574 |
| Total risk-based capital ratio | 12.5610% | 5,499 |
| Memoranda: |
| Average total assets | $259,491,330 | 2,460 |
| Average earning assets | $245,516,000 | 2,413 |
| Average equity | $26,121,000 | 2,647 |
| Average total loans | $216,683,670 | 1,961 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7486% | 950 |
| Cost of funding earning assets | 0.5343% | 1,977 |
| Net interest margin | 4.2143% | 1,032 |
| Noninterest income to average assets | 0.3194% | 4,630 |
| Noninterest expense to average assets | 2.4175% | 4,547 |
| Loan and lease loss provision to assets | 0.4032% | 283 |
| Net operating income to assets | 0.9532% | 2,489 |
| Return on assets (ROA) | 1.0293% | 2,273 |
| Pretax return on assets | 1.5937% | 1,282 |
| Return on Equity (ROE) | 10.0852% | 1,969 |
| Retained earnings to average equity (ytd only) | 10.0852% | 905 |
| Net charge-offs to loans | -0.1729% | 6,013 |
| Credit loss provision to net charge-offs | -280.2198% | 4,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3716% | 5,566 |
| Assets per employee ($millions) | 4.7290% | 2,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1585% | 4,214 |
| Loan loss allowance to noncurrent loans | 202.1845% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.8752% | 2,887 |
| Noncurrent loans to loans | 0.5730% | 3,866 |
| Net loans and leases to total assets | 83.4943% | 343 |
| Net loans and leases to deposits | 100.4277% | 541 |
| Net loans and leases to core deposits | 117.0141% | 488 |
| Total domestic deposits to total assets | 83.1387% | 4,140 |
| Equity capital to assets | 10.2516% | 3,830 |
| Core capital (leverage) ratio | 9.3320% | 4,519 |
| Tier 1 risk-based capital ratio | 11.9354% | 5,278 |
| Total risk-based capital ratio | 13.1852% | 5,171 |
| Memoranda: |
| Average total assets | $252,993,000 | 2,536 |
| Average earning assets | $238,808,000 | 2,481 |
| Average equity | $25,820,000 | 2,683 |
| Average total loans | $210,537,000 | 2,008 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1155% | 3,268 |
| Cost of funding earning assets | 0.4975% | 2,702 |
| Net interest margin | 3.6180% | 3,341 |
| Noninterest income to average assets | 0.2230% | 5,528 |
| Noninterest expense to average assets | 2.2625% | 5,211 |
| Loan and lease loss provision to assets | 0.3534% | 535 |
| Net operating income to assets | 0.6793% | 3,992 |
| Return on assets (ROA) | 0.6980% | 4,018 |
| Pretax return on assets | 1.0636% | 3,237 |
| Return on Equity (ROE) | 6.8831% | 3,701 |
| Retained earnings to average equity (ytd only) | 6.8831% | 1,457 |
| Net charge-offs to loans | 0.3243% | 1,359 |
| Credit loss provision to net charge-offs | 143.4426% | 1,660 |
| Earnings coverage of net charge-offs (x) | 5.6361% | 3,384 |
| Efficiency ratio | 61.4227% | 5,004 |
| Assets per employee ($millions) | 4.6411% | 2,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0484% | 4,817 |
| Loan loss allowance to noncurrent loans | 329.2049% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.7150% | 3,429 |
| Noncurrent loans to loans | 0.3185% | 4,700 |
| Net loans and leases to total assets | 81.0813% | 621 |
| Net loans and leases to deposits | 98.2844% | 738 |
| Net loans and leases to core deposits | 111.8058% | 696 |
| Total domestic deposits to total assets | 82.4966% | 4,248 |
| Equity capital to assets | 10.1592% | 3,910 |
| Core capital (leverage) ratio | 8.9513% | 5,060 |
| Tier 1 risk-based capital ratio | 11.5951% | 5,609 |
| Total risk-based capital ratio | 12.7095% | 5,603 |
| Memoranda: |
| Average total assets | $247,560,400 | 2,549 |
| Average earning assets | $234,574,600 | 2,471 |
| Average equity | $25,104,800 | 2,650 |
| Average total loans | $188,071,600 | 2,136 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.9711% | 6,559 |
| Cost of funding earning assets | 0.1196% | 6,338 |
| Net interest margin | 0.8514% | 6,558 |
| Noninterest income to average assets | 0.0960% | 6,261 |
| Noninterest expense to average assets | 0.6403% | 6,564 |
| Loan and lease loss provision to assets | 0.0369% | 3,667 |
| Net operating income to assets | 0.2067% | 5,837 |
| Return on assets (ROA) | 0.2713% | 5,742 |
| Pretax return on assets | 0.2713% | 5,824 |
| Return on Equity (ROE) | 1.9957% | 5,842 |
| Retained earnings to average equity (ytd only) | 1.9957% | 5,054 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4322% | 3,952 |
| Assets per employee ($millions) | 4.7360% | 2,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0522% | 6,525 |
| Loan loss allowance to noncurrent loans | 5.5866% | 6,036 |
| Noncurrent assets plus other real estate owned to assets | 1.3288% | 2,325 |
| Noncurrent loans to loans | 0.9347% | 3,220 |
| Net loans and leases to total assets | 53.8865% | 4,588 |
| Net loans and leases to deposits | 63.1148% | 4,626 |
| Net loans and leases to core deposits | 67.0608% | 4,602 |
| Total domestic deposits to total assets | 85.3787% | 3,174 |
| Equity capital to assets | 12.6239% | 1,625 |
| Core capital (leverage) ratio | 8.5344% | 5,618 |
| Tier 1 risk-based capital ratio | 12.8347% | 4,959 |
| Total risk-based capital ratio | 12.8790% | 5,635 |
| Memoranda: |
| Average total assets | $72,252,250 | 5,282 |
| Average earning assets | $66,867,250 | 5,263 |
| Average equity | $9,821,000 | 4,826 |
| Average total loans | $29,583,500 | 5,634 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2372% | 5,893 |
| Cost of funding earning assets | 0.3437% | 4,500 |
| Net interest margin | 2.8935% | 5,746 |
| Noninterest income to average assets | 0.3055% | 4,959 |
| Noninterest expense to average assets | 2.5600% | 4,382 |
| Loan and lease loss provision to assets | 0.0055% | 4,123 |
| Net operating income to assets | 0.5533% | 4,584 |
| Return on assets (ROA) | 0.5533% | 4,686 |
| Pretax return on assets | 0.4514% | 5,417 |
| Return on Equity (ROE) | 3.9781% | 5,157 |
| Retained earnings to average equity (ytd only) | -135.7501% | 6,648 |
| Net charge-offs to loans | 0.0600% | 3,117 |
| Credit loss provision to net charge-offs | 25.0000% | 3,117 |
| Earnings coverage of net charge-offs (x) | 20.7500% | 1,571 |
| Efficiency ratio | 84.8540% | 1,404 |
| Assets per employee ($millions) | 4.8813% | 2,364 |
| Cash dividends to net income (ytd only)* | 3,512.4378% | 3 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7365% | 2,019 |
| Loan loss allowance to noncurrent loans | 40.1603% | 5,490 |
| Noncurrent assets plus other real estate owned to assets | 2.3341% | 1,261 |
| Noncurrent loans to loans | 4.3239% | 518 |
| Net loans and leases to total assets | 34.8552% | 6,112 |
| Net loans and leases to deposits | 38.0649% | 6,225 |
| Net loans and leases to core deposits | 40.5733% | 6,203 |
| Total domestic deposits to total assets | 91.5679% | 246 |
| Equity capital to assets | 7.5977% | 6,326 |
| Core capital (leverage) ratio | 6.7967% | 6,458 |
| Tier 1 risk-based capital ratio | 15.0140% | 3,632 |
| Total risk-based capital ratio | 16.2664% | 3,577 |
| Memoranda: |
| Average total assets | $72,656,330 | 5,322 |
| Average earning assets | $68,083,670 | 5,265 |
| Average equity | $10,105,330 | 4,781 |
| Average total loans | $26,677,670 | 5,815 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2557% | 5,927 |
| Cost of funding earning assets | 0.3427% | 4,616 |
| Net interest margin | 2.9130% | 5,723 |
| Noninterest income to average assets | 0.3040% | 4,919 |
| Noninterest expense to average assets | 1.9897% | 5,906 |
| Loan and lease loss provision to assets | 0.0111% | 3,686 |
| Net operating income to assets | 1.3983% | 988 |
| Return on assets (ROA) | 1.3983% | 1,034 |
| Pretax return on assets | 1.0280% | 3,218 |
| Return on Equity (ROE) | 8.1768% | 2,853 |
| Retained earnings to average equity (ytd only) | 8.1768% | 1,545 |
| Net charge-offs to loans | 0.1332% | 1,914 |
| Credit loss provision to net charge-offs | 22.2222% | 2,481 |
| Earnings coverage of net charge-offs (x) | 20.8889% | 1,314 |
| Efficiency ratio | 65.6934% | 4,578 |
| Assets per employee ($millions) | 4.9220% | 2,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6923% | 2,380 |
| Loan loss allowance to noncurrent loans | 104.1667% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 1.4560% | 2,435 |
| Noncurrent loans to loans | 1.6246% | 2,393 |
| Net loans and leases to total assets | 35.4070% | 6,099 |
| Net loans and leases to deposits | 42.8478% | 6,032 |
| Net loans and leases to core deposits | 46.0091% | 5,990 |
| Total domestic deposits to total assets | 82.6344% | 4,740 |
| Equity capital to assets | 17.0039% | 398 |
| Core capital (leverage) ratio | 16.7811% | 387 |
| Tier 1 risk-based capital ratio | 35.4554% | 338 |
| Total risk-based capital ratio | 36.7060% | 332 |
| Memoranda: |
| Average total assets | $72,374,500 | 5,380 |
| Average earning assets | $67,697,000 | 5,327 |
| Average equity | $12,376,500 | 4,361 |
| Average total loans | $27,030,500 | 5,853 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4856% | 5,671 |
| Cost of funding earning assets | 0.4216% | 4,416 |
| Net interest margin | 3.0640% | 5,423 |
| Noninterest income to average assets | 0.2903% | 5,278 |
| Noninterest expense to average assets | 1.7746% | 6,364 |
| Loan and lease loss provision to assets | 0.0055% | 5,017 |
| Net operating income to assets | 1.1395% | 1,796 |
| Return on assets (ROA) | 1.1395% | 1,862 |
| Pretax return on assets | 1.4025% | 1,768 |
| Return on Equity (ROE) | 6.9566% | 3,580 |
| Retained earnings to average equity (ytd only) | 6.6404% | 1,599 |
| Net charge-offs to loans | 0.0469% | 4,566 |
| Credit loss provision to net charge-offs | 30.7692% | 4,235 |
| Earnings coverage of net charge-offs (x) | 79.4615% | 551 |
| Efficiency ratio | 55.7602% | 5,974 |
| Assets per employee ($millions) | 4.7279% | 2,543 |
| Cash dividends to net income (ytd only)* | 4.5455% | 4,185 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6636% | 2,522 |
| Loan loss allowance to noncurrent loans | 90.8549% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 1.6286% | 2,275 |
| Noncurrent loans to loans | 1.8311% | 2,194 |
| Net loans and leases to total assets | 38.0899% | 6,087 |
| Net loans and leases to deposits | 46.1666% | 5,998 |
| Net loans and leases to core deposits | 50.0019% | 5,935 |
| Total domestic deposits to total assets | 82.5054% | 4,709 |
| Equity capital to assets | 17.2013% | 379 |
| Core capital (leverage) ratio | 16.6932% | 398 |
| Tier 1 risk-based capital ratio | 34.4504% | 349 |
| Total risk-based capital ratio | 35.6999% | 343 |
| Memoranda: |
| Average total assets | $73,367,600 | 5,388 |
| Average earning assets | $69,255,400 | 5,324 |
| Average equity | $12,017,400 | 4,435 |
| Average total loans | $27,744,600 | 5,860 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4673% | 5,760 |
| Cost of funding earning assets | 0.4341% | 4,460 |
| Net interest margin | 3.0332% | 5,509 |
| Noninterest income to average assets | 0.2866% | 5,398 |
| Noninterest expense to average assets | 1.7356% | 6,435 |
| Loan and lease loss provision to assets | 0.0036% | 4,883 |
| Net operating income to assets | 1.1534% | 1,793 |
| Return on assets (ROA) | 1.1534% | 1,870 |
| Pretax return on assets | 1.4184% | 1,875 |
| Return on Equity (ROE) | 7.1275% | 3,576 |
| Retained earnings to average equity (ytd only) | 6.7044% | 2,034 |
| Net charge-offs to loans | 0.0335% | 4,460 |
| Credit loss provision to net charge-offs | 28.5714% | 3,922 |
| Earnings coverage of net charge-offs (x) | 112.7513% | 454 |
| Efficiency ratio | 54.9658% | 6,020 |
| Assets per employee ($millions) | 4.8335% | 2,386 |
| Cash dividends to net income (ytd only)* | 5.9381% | 3,591 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6781% | 2,699 |
| Loan loss allowance to noncurrent loans | 79.8960% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 1.6813% | 2,452 |
| Noncurrent loans to loans | 2.1003% | 2,128 |
| Net loans and leases to total assets | 37.2555% | 6,207 |
| Net loans and leases to deposits | 44.8762% | 6,163 |
| Net loans and leases to core deposits | 48.5993% | 6,090 |
| Total domestic deposits to total assets | 83.0184% | 4,567 |
| Equity capital to assets | 16.6409% | 460 |
| Core capital (leverage) ratio | 16.1829% | 472 |
| Tier 1 risk-based capital ratio | 33.7230% | 382 |
| Total risk-based capital ratio | 34.9579% | 373 |
| Memoranda: |
| Average total assets | $73,979,750 | 5,430 |
| Average earning assets | $70,024,000 | 5,363 |
| Average equity | $11,972,000 | 4,499 |
| Average total loans | $27,813,250 | 5,914 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3785% | 5,950 |
| Cost of funding earning assets | 0.4474% | 4,454 |
| Net interest margin | 2.9310% | 5,724 |
| Noninterest income to average assets | 0.2551% | 5,625 |
| Noninterest expense to average assets | 1.7322% | 6,464 |
| Loan and lease loss provision to assets | 0.0054% | 4,725 |
| Net operating income to assets | 1.0769% | 2,005 |
| Return on assets (ROA) | 1.0769% | 2,119 |
| Pretax return on assets | 1.2971% | 2,309 |
| Return on Equity (ROE) | 6.7164% | 3,765 |
| Retained earnings to average equity (ytd only) | 6.7164% | 2,030 |
| Net charge-offs to loans | 0.0788% | 3,591 |
| Credit loss provision to net charge-offs | 18.1818% | 3,759 |
| Earnings coverage of net charge-offs (x) | 44.0909% | 864 |
| Efficiency ratio | 57.0796% | 5,845 |
| Assets per employee ($millions) | 4.9204% | 2,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6447% | 2,993 |
| Loan loss allowance to noncurrent loans | 43.9846% | 5,459 |
| Noncurrent assets plus other real estate owned to assets | 2.2817% | 1,899 |
| Noncurrent loans to loans | 3.7392% | 1,090 |
| Net loans and leases to total assets | 37.0295% | 6,237 |
| Net loans and leases to deposits | 44.1497% | 6,217 |
| Net loans and leases to core deposits | 48.1298% | 6,125 |
| Total domestic deposits to total assets | 83.8726% | 4,372 |
| Equity capital to assets | 15.9025% | 538 |
| Core capital (leverage) ratio | 15.3968% | 546 |
| Tier 1 risk-based capital ratio | 32.4771% | 424 |
| Total risk-based capital ratio | 33.7263% | 415 |
| Memoranda: |
| Average total assets | $74,472,330 | 5,456 |
| Average earning assets | $70,623,670 | 5,373 |
| Average equity | $11,941,000 | 4,548 |
| Average total loans | $27,927,000 | 5,937 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3505% | 6,043 |
| Cost of funding earning assets | 0.4666% | 4,411 |
| Net interest margin | 2.8839% | 5,848 |
| Noninterest income to average assets | 0.2406% | 5,735 |
| Noninterest expense to average assets | 1.8715% | 6,325 |
| Loan and lease loss provision to assets | 0.0107% | 4,316 |
| Net operating income to assets | 1.0213% | 2,139 |
| Return on assets (ROA) | 1.0213% | 2,254 |
| Pretax return on assets | 1.1015% | 2,946 |
| Return on Equity (ROE) | 6.3439% | 3,860 |
| Retained earnings to average equity (ytd only) | 6.3439% | 2,487 |
| Net charge-offs to loans | 0.1857% | 2,294 |
| Credit loss provision to net charge-offs | 15.3846% | 3,099 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,381 |
| Efficiency ratio | 62.7240% | 5,195 |
| Assets per employee ($millions) | 5.0391% | 2,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6399% | 3,234 |
| Loan loss allowance to noncurrent loans | 41.5525% | 5,534 |
| Noncurrent assets plus other real estate owned to assets | 2.2531% | 2,074 |
| Noncurrent loans to loans | 3.9465% | 1,152 |
| Net loans and leases to total assets | 36.1059% | 6,286 |
| Net loans and leases to deposits | 43.3349% | 6,247 |
| Net loans and leases to core deposits | 47.1730% | 6,140 |
| Total domestic deposits to total assets | 83.3183% | 4,753 |
| Equity capital to assets | 16.0162% | 562 |
| Core capital (leverage) ratio | 15.1053% | 578 |
| Tier 1 risk-based capital ratio | 32.7377% | 424 |
| Total risk-based capital ratio | 33.9885% | 412 |
| Memoranda: |
| Average total assets | $74,805,500 | 5,492 |
| Average earning assets | $71,152,500 | 5,408 |
| Average equity | $12,043,000 | 4,566 |
| Average total loans | $27,997,000 | 5,986 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7038% | 6,046 |
| Cost of funding earning assets | 0.5644% | 4,693 |
| Net interest margin | 3.1394% | 5,723 |
| Noninterest income to average assets | 0.2734% | 5,507 |
| Noninterest expense to average assets | 1.5741% | 6,825 |
| Loan and lease loss provision to assets | 0.0959% | 4,457 |
| Net operating income to assets | 1.2580% | 1,429 |
| Return on assets (ROA) | 1.2580% | 1,586 |
| Pretax return on assets | 1.6013% | 1,384 |
| Return on Equity (ROE) | 6.3059% | 4,016 |
| Retained earnings to average equity (ytd only) | -36.1471% | 6,966 |
| Net charge-offs to loans | 0.1945% | 3,819 |
| Credit loss provision to net charge-offs | 123.3333% | 2,308 |
| Earnings coverage of net charge-offs (x) | 21.8333% | 1,286 |
| Efficiency ratio | 48.1188% | 6,706 |
| Assets per employee ($millions) | 4.9350% | 2,313 |
| Cash dividends to net income (ytd only)* | 673.2235% | 24 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6497% | 3,116 |
| Loan loss allowance to noncurrent loans | 50.6522% | 5,097 |
| Noncurrent assets plus other real estate owned to assets | 2.1047% | 2,327 |
| Noncurrent loans to loans | 3.2569% | 1,578 |
| Net loans and leases to total assets | 37.5306% | 6,335 |
| Net loans and leases to deposits | 45.1960% | 6,293 |
| Net loans and leases to core deposits | 49.2973% | 6,190 |
| Total domestic deposits to total assets | 83.0395% | 4,708 |
| Equity capital to assets | 16.1837% | 523 |
| Core capital (leverage) ratio | 14.4413% | 686 |
| Tier 1 risk-based capital ratio | 32.4359% | 418 |
| Total risk-based capital ratio | 33.6877% | 411 |
| Memoranda: |
| Average total assets | $77,188,800 | 5,426 |
| Average earning assets | $73,708,200 | 5,320 |
| Average equity | $15,398,200 | 3,879 |
| Average total loans | $30,843,600 | 5,904 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7932% | 6,041 |
| Cost of funding earning assets | 0.5687% | 4,924 |
| Net interest margin | 3.2244% | 5,636 |
| Noninterest income to average assets | 0.2684% | 5,632 |
| Noninterest expense to average assets | 1.5645% | 6,903 |
| Loan and lease loss provision to assets | 0.1265% | 3,967 |
| Net operating income to assets | 1.3097% | 1,419 |
| Return on assets (ROA) | 1.3097% | 1,556 |
| Pretax return on assets | 1.6602% | 1,388 |
| Return on Equity (ROE) | 6.2839% | 4,183 |
| Retained earnings to average equity (ytd only) | -47.3426% | 7,107 |
| Net charge-offs to loans | 0.1397% | 3,996 |
| Credit loss provision to net charge-offs | 224.2424% | 1,237 |
| Earnings coverage of net charge-offs (x) | 31.6659% | 1,056 |
| Efficiency ratio | 46.6837% | 6,786 |
| Assets per employee ($millions) | 5.2115% | 1,921 |
| Cash dividends to net income (ytd only)* | 853.3922% | 9 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6597% | 3,291 |
| Loan loss allowance to noncurrent loans | 81.7579% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 1.6822% | 3,061 |
| Noncurrent loans to loans | 2.0300% | 2,812 |
| Net loans and leases to total assets | 37.3671% | 6,456 |
| Net loans and leases to deposits | 49.3246% | 6,162 |
| Net loans and leases to core deposits | 54.0164% | 6,046 |
| Total domestic deposits to total assets | 75.7576% | 6,421 |
| Equity capital to assets | 15.1331% | 794 |
| Core capital (leverage) ratio | 13.9943% | 835 |
| Tier 1 risk-based capital ratio | 29.9396% | 539 |
| Total risk-based capital ratio | 31.1904% | 529 |
| Memoranda: |
| Average total assets | $77,979,750 | 5,462 |
| Average earning assets | $74,553,500 | 5,347 |
| Average equity | $16,252,750 | 3,779 |
| Average total loans | $31,492,500 | 5,949 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8569% | 6,019 |
| Cost of funding earning assets | 0.5878% | 5,005 |
| Net interest margin | 3.2691% | 5,535 |
| Noninterest income to average assets | 0.2695% | 5,650 |
| Noninterest expense to average assets | 1.6479% | 6,882 |
| Loan and lease loss provision to assets | 0.1848% | 3,253 |
| Net operating income to assets | 1.2295% | 1,613 |
| Return on assets (ROA) | 1.2295% | 1,804 |
| Pretax return on assets | 1.5632% | 1,660 |
| Return on Equity (ROE) | 5.4042% | 4,626 |
| Retained earnings to average equity (ytd only) | 4.9867% | 3,290 |
| Net charge-offs to loans | 0.0187% | 5,150 |
| Credit loss provision to net charge-offs | 2,400.0000% | 126 |
| Earnings coverage of net charge-offs (x) | 227.0000% | 189 |
| Efficiency ratio | 48.5261% | 6,742 |
| Assets per employee ($millions) | 5.2193% | 1,906 |
| Cash dividends to net income (ytd only)* | 7.7244% | 3,361 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6987% | 3,232 |
| Loan loss allowance to noncurrent loans | 179.6552% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 1.2211% | 3,974 |
| Noncurrent loans to loans | 0.9455% | 4,617 |
| Net loans and leases to total assets | 38.5107% | 6,438 |
| Net loans and leases to deposits | 50.4434% | 6,148 |
| Net loans and leases to core deposits | 54.6780% | 6,049 |
| Total domestic deposits to total assets | 76.3444% | 6,413 |
| Equity capital to assets | 22.9799% | 131 |
| Core capital (leverage) ratio | 21.8310% | 139 |
| Tier 1 risk-based capital ratio | 45.8014% | 166 |
| Total risk-based capital ratio | 47.0521% | 164 |
| Memoranda: |
| Average total assets | $77,915,330 | 5,498 |
| Average earning assets | $74,515,670 | 5,377 |
| Average equity | $17,727,000 | 3,537 |
| Average total loans | $32,088,670 | 5,963 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0125% | 5,719 |
| Cost of funding earning assets | 0.6140% | 5,019 |
| Net interest margin | 3.3985% | 5,129 |
| Noninterest income to average assets | 0.2676% | 5,738 |
| Noninterest expense to average assets | 1.7343% | 6,867 |
| Loan and lease loss provision to assets | 0.1853% | 3,122 |
| Net operating income to assets | 1.2968% | 1,466 |
| Return on assets (ROA) | 1.2968% | 1,633 |
| Pretax return on assets | 1.5953% | 1,595 |
| Return on Equity (ROE) | 5.7289% | 4,438 |
| Retained earnings to average equity (ytd only) | 5.7289% | 3,126 |
| Net charge-offs to loans | 0.0122% | 4,534 |
| Credit loss provision to net charge-offs | 3,600.0000% | 78 |
| Earnings coverage of net charge-offs (x) | 346.0000% | 92 |
| Efficiency ratio | 49.3411% | 6,718 |
| Assets per employee ($millions) | 5.3102% | 1,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4949% | 4,182 |
| Loan loss allowance to noncurrent loans | 63.0013% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 1.8066% | 3,165 |
| Noncurrent loans to loans | 2.3728% | 2,730 |
| Net loans and leases to total assets | 40.2885% | 6,328 |
| Net loans and leases to deposits | 52.2111% | 5,953 |
| Net loans and leases to core deposits | 56.1601% | 5,893 |
| Total domestic deposits to total assets | 77.1647% | 6,378 |
| Equity capital to assets | 22.2151% | 141 |
| Core capital (leverage) ratio | 21.7090% | 138 |
| Tier 1 risk-based capital ratio | 43.2137% | 185 |
| Total risk-based capital ratio | 44.4526% | 184 |
| Memoranda: |
| Average total assets | $77,728,000 | 5,541 |
| Average earning assets | $74,267,500 | 5,421 |
| Average equity | $17,595,000 | 3,555 |
| Average total loans | $32,797,500 | 5,963 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7915% | 6,740 |
| Cost of funding earning assets | 0.7558% | 5,166 |
| Net interest margin | 3.0357% | 6,474 |
| Noninterest income to average assets | 0.3128% | 5,305 |
| Noninterest expense to average assets | 1.6395% | 7,089 |
| Loan and lease loss provision to assets | 0.1914% | 4,270 |
| Net operating income to assets | 1.1228% | 1,744 |
| Return on assets (ROA) | 1.1445% | 1,798 |
| Pretax return on assets | 1.3979% | 1,798 |
| Return on Equity (ROE) | 5.1730% | 4,309 |
| Retained earnings to average equity (ytd only) | 4.9582% | 2,672 |
| Net charge-offs to loans | 0.2990% | 3,911 |
| Credit loss provision to net charge-offs | 146.4646% | 1,954 |
| Earnings coverage of net charge-offs (x) | 11.9596% | 1,666 |
| Efficiency ratio | 51.1954% | 6,763 |
| Assets per employee ($millions) | 5.0535% | 2,123 |
| Cash dividends to net income (ytd only)* | 4.1522% | 4,000 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3690% | 4,604 |
| Loan loss allowance to noncurrent loans | 75.3333% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 1.7480% | 3,330 |
| Noncurrent loans to loans | 1.8172% | 3,444 |
| Net loans and leases to total assets | 42.9600% | 6,304 |
| Net loans and leases to deposits | 56.4962% | 5,839 |
| Net loans and leases to core deposits | 61.0575% | 5,750 |
| Total domestic deposits to total assets | 76.0405% | 6,477 |
| Equity capital to assets | 23.0796% | 130 |
| Core capital (leverage) ratio | 21.9500% | 140 |
| Tier 1 risk-based capital ratio | 42.7008% | 186 |
| Total risk-based capital ratio | 43.8541% | 185 |
| Memoranda: |
| Average total assets | $75,755,400 | 5,584 |
| Average earning assets | $72,108,000 | 5,469 |
| Average equity | $16,760,200 | 3,614 |
| Average total loans | $33,115,600 | 6,007 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8323% | 6,803 |
| Cost of funding earning assets | 0.7698% | 5,333 |
| Net interest margin | 3.0625% | 6,465 |
| Noninterest income to average assets | 0.2957% | 5,493 |
| Noninterest expense to average assets | 1.6230% | 7,161 |
| Loan and lease loss provision to assets | 0.2148% | 3,873 |
| Net operating income to assets | 1.1361% | 1,860 |
| Return on assets (ROA) | 1.1653% | 1,876 |
| Pretax return on assets | 1.4065% | 1,926 |
| Return on Equity (ROE) | 5.3246% | 4,386 |
| Retained earnings to average equity (ytd only) | 5.0351% | 3,148 |
| Net charge-offs to loans | 0.3983% | 3,122 |
| Credit loss provision to net charge-offs | 123.2323% | 2,617 |
| Earnings coverage of net charge-offs (x) | 9.1008% | 2,094 |
| Efficiency ratio | 50.5760% | 6,798 |
| Assets per employee ($millions) | 5.1583% | 1,980 |
| Cash dividends to net income (ytd only)* | 5.4382% | 3,400 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2849% | 5,077 |
| Loan loss allowance to noncurrent loans | 66.2037% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 1.8339% | 3,354 |
| Noncurrent loans to loans | 1.9408% | 3,441 |
| Net loans and leases to total assets | 42.5964% | 6,453 |
| Net loans and leases to deposits | 55.4035% | 6,084 |
| Net loans and leases to core deposits | 60.3015% | 5,964 |
| Total domestic deposits to total assets | 76.8840% | 6,392 |
| Equity capital to assets | 22.3134% | 162 |
| Core capital (leverage) ratio | 21.5193% | 160 |
| Tier 1 risk-based capital ratio | 41.2380% | 225 |
| Total risk-based capital ratio | 42.3083% | 224 |
| Memoranda: |
| Average total assets | $75,743,500 | 5,619 |
| Average earning assets | $72,052,750 | 5,513 |
| Average equity | $16,576,500 | 3,650 |
| Average total loans | $33,140,250 | 6,062 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8710% | 6,844 |
| Cost of funding earning assets | 0.7871% | 5,462 |
| Net interest margin | 3.0839% | 6,441 |
| Noninterest income to average assets | 0.2979% | 5,507 |
| Noninterest expense to average assets | 1.6649% | 7,214 |
| Loan and lease loss provision to assets | 0.2181% | 3,737 |
| Net operating income to assets | 1.1202% | 1,817 |
| Return on assets (ROA) | 1.1356% | 1,840 |
| Pretax return on assets | 1.3617% | 1,914 |
| Return on Equity (ROE) | 5.2242% | 4,350 |
| Retained earnings to average equity (ytd only) | 4.7838% | 3,138 |
| Net charge-offs to loans | 0.3933% | 2,983 |
| Credit loss provision to net charge-offs | 126.1538% | 2,423 |
| Earnings coverage of net charge-offs (x) | 9.0308% | 1,976 |
| Efficiency ratio | 51.6076% | 6,821 |
| Assets per employee ($millions) | 5.1223% | 1,970 |
| Cash dividends to net income (ytd only)* | 8.4309% | 3,166 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2565% | 5,277 |
| Loan loss allowance to noncurrent loans | 77.0492% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 1.8351% | 3,461 |
| Noncurrent loans to loans | 1.6307% | 3,961 |
| Net loans and leases to total assets | 43.2660% | 6,498 |
| Net loans and leases to deposits | 55.7478% | 6,155 |
| Net loans and leases to core deposits | 60.1009% | 6,081 |
| Total domestic deposits to total assets | 77.6102% | 6,354 |
| Equity capital to assets | 21.8146% | 184 |
| Core capital (leverage) ratio | 21.4505% | 174 |
| Tier 1 risk-based capital ratio | 40.6486% | 236 |
| Total risk-based capital ratio | 41.7039% | 232 |
| Memoranda: |
| Average total assets | $75,199,670 | 5,682 |
| Average earning assets | $71,403,330 | 5,575 |
| Average equity | $16,347,000 | 3,674 |
| Average total loans | $33,057,670 | 6,132 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8845% | 6,841 |
| Cost of funding earning assets | 0.8098% | 5,526 |
| Net interest margin | 3.0748% | 6,409 |
| Noninterest income to average assets | 0.2527% | 5,875 |
| Noninterest expense to average assets | 1.8284% | 7,103 |
| Loan and lease loss provision to assets | 0.2151% | 3,498 |
| Net operating income to assets | 1.0164% | 2,128 |
| Return on assets (ROA) | 1.0164% | 2,175 |
| Pretax return on assets | 1.1293% | 2,649 |
| Return on Equity (ROE) | 4.6840% | 4,563 |
| Retained earnings to average equity (ytd only) | 4.6840% | 3,384 |
| Net charge-offs to loans | 0.5007% | 2,222 |
| Credit loss provision to net charge-offs | 97.5610% | 2,798 |
| Earnings coverage of net charge-offs (x) | 6.0976% | 2,157 |
| Efficiency ratio | 57.6271% | 6,310 |
| Assets per employee ($millions) | 5.0793% | 2,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2633% | 5,325 |
| Loan loss allowance to noncurrent loans | 67.7258% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 2.0344% | 3,276 |
| Noncurrent loans to loans | 1.8653% | 3,739 |
| Net loans and leases to total assets | 41.5461% | 6,664 |
| Net loans and leases to deposits | 53.0849% | 6,377 |
| Net loans and leases to core deposits | 57.2177% | 6,325 |
| Total domestic deposits to total assets | 78.2636% | 6,342 |
| Equity capital to assets | 21.4004% | 188 |
| Core capital (leverage) ratio | 21.4741% | 173 |
| Tier 1 risk-based capital ratio | 41.1314% | 220 |
| Total risk-based capital ratio | 42.1666% | 218 |
| Memoranda: |
| Average total assets | $74,382,500 | 5,747 |
| Average earning assets | $70,639,000 | 5,646 |
| Average equity | $16,140,000 | 3,702 |
| Average total loans | $32,753,500 | 6,196 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0525% | 7,091 |
| Cost of funding earning assets | 1.1907% | 4,618 |
| Net interest margin | 2.8618% | 6,953 |
| Noninterest income to average assets | 0.3562% | 5,263 |
| Noninterest expense to average assets | 1.7206% | 7,336 |
| Loan and lease loss provision to assets | 0.2043% | 5,199 |
| Net operating income to assets | 0.9894% | 2,074 |
| Return on assets (ROA) | 0.9894% | 2,182 |
| Pretax return on assets | 1.0902% | 2,606 |
| Return on Equity (ROE) | 4.7298% | 4,183 |
| Retained earnings to average equity (ytd only) | 4.5049% | 2,720 |
| Net charge-offs to loans | 0.6472% | 3,078 |
| Credit loss provision to net charge-offs | 80.8511% | 5,534 |
| Earnings coverage of net charge-offs (x) | 5.1223% | 2,707 |
| Efficiency ratio | 57.0664% | 6,451 |
| Assets per employee ($millions) | 4.8383% | 2,363 |
| Cash dividends to net income (ytd only)* | 4.7554% | 3,886 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2138% | 5,445 |
| Loan loss allowance to noncurrent loans | 47.7647% | 5,126 |
| Noncurrent assets plus other real estate owned to assets | 2.4485% | 2,826 |
| Noncurrent loans to loans | 2.5413% | 2,986 |
| Net loans and leases to total assets | 45.5281% | 6,598 |
| Net loans and leases to deposits | 58.6433% | 6,195 |
| Net loans and leases to core deposits | 63.5044% | 6,099 |
| Total domestic deposits to total assets | 77.6355% | 6,376 |
| Equity capital to assets | 22.0117% | 182 |
| Core capital (leverage) ratio | 21.5953% | 179 |
| Tier 1 risk-based capital ratio | 35.4938% | 334 |
| Total risk-based capital ratio | 36.4000% | 339 |
| Memoranda: |
| Average total assets | $74,391,200 | 5,755 |
| Average earning assets | $69,118,200 | 5,698 |
| Average equity | $15,561,000 | 3,851 |
| Average total loans | $29,047,800 | 6,444 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1403% | 7,162 |
| Cost of funding earning assets | 1.2710% | 4,429 |
| Net interest margin | 2.8693% | 7,051 |
| Noninterest income to average assets | 0.3598% | 5,284 |
| Noninterest expense to average assets | 1.7689% | 7,365 |
| Loan and lease loss provision to assets | 0.0802% | 6,244 |
| Net operating income to assets | 0.9780% | 2,306 |
| Return on assets (ROA) | 0.9780% | 2,426 |
| Pretax return on assets | 1.1650% | 2,618 |
| Return on Equity (ROE) | 4.7354% | 4,434 |
| Retained earnings to average equity (ytd only) | 4.4336% | 3,383 |
| Net charge-offs to loans | 0.6393% | 2,831 |
| Credit loss provision to net charge-offs | 33.5821% | 6,112 |
| Earnings coverage of net charge-offs (x) | 5.2165% | 2,809 |
| Efficiency ratio | 58.6879% | 6,166 |
| Assets per employee ($millions) | 4.9619% | 2,229 |
| Cash dividends to net income (ytd only)* | 6.3759% | 3,409 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1342% | 5,788 |
| Loan loss allowance to noncurrent loans | 39.7523% | 5,648 |
| Noncurrent assets plus other real estate owned to assets | 2.2397% | 3,148 |
| Noncurrent loans to loans | 2.8531% | 2,797 |
| Net loans and leases to total assets | 41.3433% | 7,008 |
| Net loans and leases to deposits | 52.7696% | 6,847 |
| Net loans and leases to core deposits | 57.8522% | 6,739 |
| Total domestic deposits to total assets | 78.3469% | 6,181 |
| Equity capital to assets | 21.1909% | 224 |
| Core capital (leverage) ratio | 20.9443% | 210 |
| Tier 1 risk-based capital ratio | 40.7456% | 234 |
| Total risk-based capital ratio | 41.6608% | 234 |
| Memoranda: |
| Average total assets | $74,845,250 | 5,810 |
| Average earning assets | $69,236,250 | 5,764 |
| Average equity | $15,457,500 | 3,915 |
| Average total loans | $27,947,750 | 6,594 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1263% | 7,256 |
| Cost of funding earning assets | 1.3210% | 4,407 |
| Net interest margin | 2.8053% | 7,137 |
| Noninterest income to average assets | 0.2934% | 5,802 |
| Noninterest expense to average assets | 1.8217% | 7,365 |
| Loan and lease loss provision to assets | 0.0800% | 6,138 |
| Net operating income to assets | 0.8588% | 2,697 |
| Return on assets (ROA) | 0.8588% | 2,841 |
| Pretax return on assets | 1.0029% | 3,107 |
| Return on Equity (ROE) | 4.1947% | 4,686 |
| Retained earnings to average equity (ytd only) | 3.7388% | 3,723 |
| Net charge-offs to loans | 0.3868% | 3,431 |
| Credit loss provision to net charge-offs | 57.6923% | 5,264 |
| Earnings coverage of net charge-offs (x) | 7.8077% | 2,231 |
| Efficiency ratio | 62.7181% | 5,571 |
| Assets per employee ($millions) | 5.0770% | 2,084 |
| Cash dividends to net income (ytd only)* | 10.8696% | 3,143 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4055% | 4,393 |
| Loan loss allowance to noncurrent loans | 33.4928% | 6,134 |
| Noncurrent assets plus other real estate owned to assets | 2.6039% | 2,779 |
| Noncurrent loans to loans | 4.1964% | 1,774 |
| Net loans and leases to total assets | 38.6882% | 7,236 |
| Net loans and leases to deposits | 48.8761% | 7,114 |
| Net loans and leases to core deposits | 52.9158% | 7,091 |
| Total domestic deposits to total assets | 79.1557% | 5,995 |
| Equity capital to assets | 20.4504% | 266 |
| Core capital (leverage) ratio | 20.3134% | 231 |
| Tier 1 risk-based capital ratio | 41.0142% | 232 |
| Total risk-based capital ratio | 42.1263% | 228 |
| Memoranda: |
| Average total assets | $74,984,330 | 5,836 |
| Average earning assets | $69,796,670 | 5,781 |
| Average equity | $15,352,670 | 3,923 |
| Average total loans | $26,889,000 | 6,701 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1227% | 7,357 |
| Cost of funding earning assets | 1.3895% | 4,246 |
| Net interest margin | 2.7332% | 7,262 |
| Noninterest income to average assets | 0.2742% | 5,959 |
| Noninterest expense to average assets | 1.9355% | 7,274 |
| Loan and lease loss provision to assets | 0.0806% | 5,835 |
| Net operating income to assets | 0.7688% | 3,115 |
| Return on assets (ROA) | 0.7688% | 3,229 |
| Pretax return on assets | 0.8280% | 3,750 |
| Return on Equity (ROE) | 3.7528% | 5,009 |
| Retained earnings to average equity (ytd only) | 3.7528% | 3,900 |
| Net charge-offs to loans | 0.0473% | 4,932 |
| Credit loss provision to net charge-offs | 500.0000% | 830 |
| Earnings coverage of net charge-offs (x) | 56.3333% | 522 |
| Efficiency ratio | 68.0529% | 4,713 |
| Assets per employee ($millions) | 5.0527% | 2,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7591% | 2,868 |
| Loan loss allowance to noncurrent loans | 30.3273% | 6,372 |
| Noncurrent assets plus other real estate owned to assets | 2.8777% | 2,504 |
| Noncurrent loans to loans | 5.8005% | 1,158 |
| Net loans and leases to total assets | 33.4525% | 7,514 |
| Net loans and leases to deposits | 42.0841% | 7,459 |
| Net loans and leases to core deposits | 42.0841% | 7,525 |
| Total domestic deposits to total assets | 79.4896% | 5,956 |
| Equity capital to assets | 20.2544% | 273 |
| Core capital (leverage) ratio | 20.5838% | 226 |
| Tier 1 risk-based capital ratio | 45.0132% | 190 |
| Total risk-based capital ratio | 46.2628% | 186 |
| Memoranda: |
| Average total assets | $74,399,000 | 5,926 |
| Average earning assets | $69,954,000 | 5,850 |
| Average equity | $15,242,000 | 3,977 |
| Average total loans | $25,392,000 | 6,854 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5027% | 7,380 |
| Cost of funding earning assets | 1.6787% | 4,621 |
| Net interest margin | 2.8240% | 7,018 |
| Noninterest income to average assets | 0.0936% | 7,298 |
| Noninterest expense to average assets | 1.7376% | 7,668 |
| Loan and lease loss provision to assets | 0.8410% | 2,626 |
| Net operating income to assets | 0.4544% | 3,907 |
| Return on assets (ROA) | 0.4544% | 4,035 |
| Pretax return on assets | 0.2075% | 4,989 |
| Return on Equity (ROE) | 2.2206% | 4,820 |
| Retained earnings to average equity (ytd only) | 1.9952% | 3,709 |
| Net charge-offs to loans | 1.7436% | 1,437 |
| Credit loss provision to net charge-offs | 142.5287% | 3,388 |
| Earnings coverage of net charge-offs (x) | 1.7770% | 4,390 |
| Efficiency ratio | 62.3661% | 6,085 |
| Assets per employee ($millions) | 4.8671% | 2,388 |
| Cash dividends to net income (ytd only)* | 10.1493% | 3,875 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7697% | 2,642 |
| Loan loss allowance to noncurrent loans | 37.4894% | 5,934 |
| Noncurrent assets plus other real estate owned to assets | 2.5107% | 2,788 |
| Noncurrent loans to loans | 4.7205% | 1,476 |
| Net loans and leases to total assets | 33.6050% | 7,608 |
| Net loans and leases to deposits | 42.5074% | 7,556 |
| Net loans and leases to core deposits | 55.1537% | 7,436 |
| Total domestic deposits to total assets | 79.0568% | 5,963 |
| Equity capital to assets | 20.7281% | 261 |
| Core capital (leverage) ratio | 20.4531% | 257 |
| Tier 1 risk-based capital ratio | 45.6215% | 185 |
| Total risk-based capital ratio | 46.8729% | 184 |
| Memoranda: |
| Average total assets | $73,721,400 | 5,896 |
| Average earning assets | $70,291,200 | 5,804 |
| Average equity | $15,086,200 | 4,046 |
| Average total loans | $24,948,200 | 6,918 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5258% | 7,481 |
| Cost of funding earning assets | 1.7338% | 4,728 |
| Net interest margin | 2.7919% | 7,074 |
| Noninterest income to average assets | 0.2688% | 6,308 |
| Noninterest expense to average assets | 1.7645% | 7,697 |
| Loan and lease loss provision to assets | 0.4547% | 3,639 |
| Net operating income to assets | 0.6531% | 3,390 |
| Return on assets (ROA) | 0.6531% | 3,452 |
| Pretax return on assets | 0.7109% | 3,819 |
| Return on Equity (ROE) | 3.2018% | 4,700 |
| Retained earnings to average equity (ytd only) | 2.9011% | 3,703 |
| Net charge-offs to loans | 0.6148% | 2,832 |
| Credit loss provision to net charge-offs | 219.1304% | 2,004 |
| Earnings coverage of net charge-offs (x) | 5.6174% | 2,775 |
| Efficiency ratio | 60.2217% | 6,382 |
| Assets per employee ($millions) | 4.6888% | 2,580 |
| Cash dividends to net income (ytd only)* | 9.3919% | 3,537 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6080% | 2,956 |
| Loan loss allowance to noncurrent loans | 32.6971% | 6,250 |
| Noncurrent assets plus other real estate owned to assets | 2.9552% | 2,342 |
| Noncurrent loans to loans | 4.9178% | 1,366 |
| Net loans and leases to total assets | 32.1368% | 7,745 |
| Net loans and leases to deposits | 40.5623% | 7,711 |
| Net loans and leases to core deposits | 52.4451% | 7,634 |
| Total domestic deposits to total assets | 79.2282% | 5,724 |
| Equity capital to assets | 20.3546% | 317 |
| Core capital (leverage) ratio | 20.2392% | 301 |
| Tier 1 risk-based capital ratio | 45.2974% | 205 |
| Total risk-based capital ratio | 46.4694% | 205 |
| Memoranda: |
| Average total assets | $73,900,000 | 5,932 |
| Average earning assets | $70,439,500 | 5,828 |
| Average equity | $15,074,500 | 4,083 |
| Average total loans | $24,941,250 | 6,982 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4751% | 7,641 |
| Cost of funding earning assets | 1.8043% | 4,732 |
| Net interest margin | 2.6708% | 7,265 |
| Noninterest income to average assets | 0.2693% | 6,343 |
| Noninterest expense to average assets | 1.8932% | 7,632 |
| Loan and lease loss provision to assets | 0.6447% | 2,500 |
| Net operating income to assets | 0.2122% | 5,222 |
| Return on assets (ROA) | 0.2122% | 5,301 |
| Pretax return on assets | 0.2802% | 5,251 |
| Return on Equity (ROE) | 1.0394% | 5,627 |
| Retained earnings to average equity (ytd only) | 0.5863% | 4,958 |
| Net charge-offs to loans | 0.4783% | 2,921 |
| Credit loss provision to net charge-offs | 395.0000% | 1,180 |
| Earnings coverage of net charge-offs (x) | 5.6667% | 2,786 |
| Efficiency ratio | 67.1815% | 5,320 |
| Assets per employee ($millions) | 5.0543% | 2,021 |
| Cash dividends to net income (ytd only)* | 43.5897% | 2,280 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7665% | 2,136 |
| Loan loss allowance to noncurrent loans | 26.6585% | 6,724 |
| Noncurrent assets plus other real estate owned to assets | 2.7409% | 2,342 |
| Noncurrent loans to loans | 6.6262% | 780 |
| Net loans and leases to total assets | 31.8345% | 7,849 |
| Net loans and leases to deposits | 39.7009% | 7,826 |
| Net loans and leases to core deposits | 51.4507% | 7,728 |
| Total domestic deposits to total assets | 80.1857% | 5,403 |
| Equity capital to assets | 19.4964% | 415 |
| Core capital (leverage) ratio | 19.8845% | 367 |
| Tier 1 risk-based capital ratio | 44.5946% | 226 |
| Total risk-based capital ratio | 45.8449% | 227 |
| Memoranda: |
| Average total assets | $73,526,670 | 5,989 |
| Average earning assets | $70,166,670 | 5,879 |
| Average equity | $15,009,330 | 4,112 |
| Average total loans | $25,087,330 | 7,023 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5406% | 7,675 |
| Cost of funding earning assets | 1.9021% | 4,622 |
| Net interest margin | 2.6385% | 7,315 |
| Noninterest income to average assets | 0.2653% | 6,326 |
| Noninterest expense to average assets | 2.0060% | 7,338 |
| Loan and lease loss provision to assets | 0.1050% | 5,623 |
| Net operating income to assets | 0.5968% | 4,028 |
| Return on assets (ROA) | 0.5968% | 4,223 |
| Pretax return on assets | 0.6687% | 4,527 |
| Return on Equity (ROE) | 2.8565% | 5,421 |
| Retained earnings to average equity (ytd only) | 2.8565% | 4,281 |
| Net charge-offs to loans | 0.1578% | 3,701 |
| Credit loss provision to net charge-offs | 190.0000% | 2,313 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,699 |
| Efficiency ratio | 72.1670% | 4,165 |
| Assets per employee ($millions) | 4.8995% | 2,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0590% | 5,760 |
| Loan loss allowance to noncurrent loans | 17.0622% | 7,308 |
| Noncurrent assets plus other real estate owned to assets | 2.7336% | 2,081 |
| Noncurrent loans to loans | 6.2067% | 746 |
| Net loans and leases to total assets | 33.8159% | 7,808 |
| Net loans and leases to deposits | 42.9341% | 7,760 |
| Net loans and leases to core deposits | 55.8008% | 7,627 |
| Total domestic deposits to total assets | 78.7623% | 5,805 |
| Equity capital to assets | 20.6403% | 381 |
| Core capital (leverage) ratio | 20.6259% | 371 |
| Tier 1 risk-based capital ratio | 45.3839% | 247 |
| Total risk-based capital ratio | 46.1883% | 250 |
| Memoranda: |
| Average total assets | $72,383,000 | 6,053 |
| Average earning assets | $68,977,500 | 5,951 |
| Average equity | $15,123,500 | 4,117 |
| Average total loans | $25,346,500 | 7,041 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0993% | 7,772 |
| Cost of funding earning assets | 2.4682% | 4,373 |
| Net interest margin | 2.6311% | 7,607 |
| Noninterest income to average assets | 0.2595% | 6,594 |
| Noninterest expense to average assets | 1.5846% | 7,977 |
| Loan and lease loss provision to assets | 0.2240% | 4,647 |
| Net operating income to assets | 0.8128% | 3,382 |
| Return on assets (ROA) | 0.8128% | 3,220 |
| Pretax return on assets | 0.9658% | 3,502 |
| Return on Equity (ROE) | 4.0373% | 4,807 |
| Retained earnings to average equity (ytd only) | 3.8134% | 2,760 |
| Net charge-offs to loans | 1.3998% | 841 |
| Credit loss provision to net charge-offs | 46.4589% | 6,386 |
| Earnings coverage of net charge-offs (x) | 2.4674% | 4,841 |
| Efficiency ratio | 57.1147% | 6,851 |
| Assets per employee ($millions) | 4.7516% | 2,236 |
| Cash dividends to net income (ytd only)* | 5.5462% | 4,774 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0049% | 5,996 |
| Loan loss allowance to noncurrent loans | 23.3849% | 7,076 |
| Noncurrent assets plus other real estate owned to assets | 2.5830% | 1,868 |
| Noncurrent loans to loans | 4.2972% | 1,124 |
| Net loans and leases to total assets | 35.5221% | 7,850 |
| Net loans and leases to deposits | 45.4363% | 7,806 |
| Net loans and leases to core deposits | 59.0287% | 7,628 |
| Total domestic deposits to total assets | 78.1800% | 5,652 |
| Equity capital to assets | 21.1550% | 393 |
| Core capital (leverage) ratio | 20.7610% | 387 |
| Tier 1 risk-based capital ratio | 44.4514% | 269 |
| Total risk-based capital ratio | 45.2181% | 272 |
| Memoranda: |
| Average total assets | $73,204,600 | 5,930 |
| Average earning assets | $69,969,800 | 5,822 |
| Average equity | $14,737,600 | 4,187 |
| Average total loans | $25,217,000 | 7,016 |
