| 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 | 6.1607% | 525 |
| Cost of funding earning assets | 2.5540% | 330 |
| Net interest margin | 3.6067% | 1,951 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 2.1444% | 3,278 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 1.2241% | 1,594 |
| Return on assets (ROA) | 1.2241% | 1,570 |
| Pretax return on assets | 1.7247% | 1,012 |
| Return on Equity (ROE) | 9.4300% | 2,653 |
| Retained earnings to average equity (ytd only) | 3.7719% | 3,038 |
| Net charge-offs to loans | -0.0475% | 4,358 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 55.4975% | 3,548 |
| Assets per employee ($millions) | 10.3314% | 641 |
| Cash dividends to net income (ytd only)* | 59.9809% | 1,188 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1824% | 2,395 |
| Loan loss allowance to noncurrent loans | 703.0899% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.2321% | 2,057 |
| Noncurrent loans to loans | 0.1682% | 2,679 |
| Net loans and leases to total assets | 82.4900% | 389 |
| Net loans and leases to deposits | 97.5482% | 674 |
| Net loans and leases to core deposits | 155.5342% | 179 |
| Total domestic deposits to total assets | 84.5600% | 2,451 |
| Equity capital to assets | 12.2459% | 1,047 |
| Core capital (leverage) ratio | 13.1567% | 1,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0709% | 1,258 |
| Memoranda: |
| Average total assets | $2,566,823,200 | 454 |
| Average earning assets | $2,453,887,600 | 431 |
| Average equity | $333,361,600 | 362 |
| Average total loans | $2,162,812,800 | 381 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1178% | 460 |
| Cost of funding earning assets | 2.4225% | 324 |
| Net interest margin | 3.6953% | 1,783 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.1667% | 3,158 |
| Loan and lease loss provision to assets | -0.1000% | 4,540 |
| Net operating income to assets | 1.3456% | 1,432 |
| Return on assets (ROA) | 1.3456% | 1,419 |
| Pretax return on assets | 1.8995% | 860 |
| Return on Equity (ROE) | 10.2000% | 2,583 |
| Retained earnings to average equity (ytd only) | 3.7576% | 3,324 |
| Net charge-offs to loans | -0.0646% | 4,424 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 54.5897% | 3,538 |
| Assets per employee ($millions) | 9.5108% | 786 |
| Cash dividends to net income (ytd only)* | 63.1575% | 849 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1773% | 2,488 |
| Loan loss allowance to noncurrent loans | 686.3003% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.1453% | 2,604 |
| Noncurrent loans to loans | 0.1715% | 2,678 |
| Net loans and leases to total assets | 83.6800% | 303 |
| Net loans and leases to deposits | 97.6597% | 635 |
| Net loans and leases to core deposits | 144.7398% | 175 |
| Total domestic deposits to total assets | 85.6800% | 2,286 |
| Equity capital to assets | 12.9950% | 817 |
| Core capital (leverage) ratio | 13.4447% | 960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1062% | 1,079 |
| Memoranda: |
| Average total assets | $2,511,161,250 | 464 |
| Average earning assets | $2,402,241,750 | 440 |
| Average equity | $331,303,250 | 367 |
| Average total loans | $2,121,364,250 | 387 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9885% | 445 |
| Cost of funding earning assets | 2.2858% | 285 |
| Net interest margin | 3.7027% | 1,806 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 2.1543% | 3,200 |
| Loan and lease loss provision to assets | -0.2100% | 4,613 |
| Net operating income to assets | 1.4563% | 1,198 |
| Return on assets (ROA) | 1.4563% | 1,183 |
| Pretax return on assets | 2.0494% | 691 |
| Return on Equity (ROE) | 10.9800% | 2,425 |
| Retained earnings to average equity (ytd only) | 3.6544% | 3,303 |
| Net charge-offs to loans | -0.1063% | 4,520 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 53.9024% | 3,622 |
| Assets per employee ($millions) | 9.3981% | 803 |
| Cash dividends to net income (ytd only)* | 66.7218% | 814 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1645% | 2,629 |
| Loan loss allowance to noncurrent loans | 646.7360% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.1504% | 2,492 |
| Noncurrent loans to loans | 0.1801% | 2,578 |
| Net loans and leases to total assets | 82.5700% | 369 |
| Net loans and leases to deposits | 96.1315% | 724 |
| Net loans and leases to core deposits | 138.5087% | 229 |
| Total domestic deposits to total assets | 85.8900% | 2,268 |
| Equity capital to assets | 13.0267% | 803 |
| Core capital (leverage) ratio | 13.5481% | 864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2296% | 1,078 |
| Memoranda: |
| Average total assets | $2,492,247,333 | 454 |
| Average earning assets | $2,383,713,667 | 433 |
| Average equity | $330,504,667 | 358 |
| Average total loans | $2,103,719,667 | 376 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8763% | 370 |
| Cost of funding earning assets | 2.0624% | 258 |
| Net interest margin | 3.8138% | 1,659 |
| Noninterest income to average assets | 0.4900% | 1,878 |
| Noninterest expense to average assets | 2.1970% | 3,107 |
| Loan and lease loss provision to assets | -0.4500% | 4,655 |
| Net operating income to assets | 1.7021% | 817 |
| Return on assets (ROA) | 1.7021% | 812 |
| Pretax return on assets | 2.3900% | 417 |
| Return on Equity (ROE) | 12.7200% | 2,042 |
| Retained earnings to average equity (ytd only) | 1.4432% | 3,793 |
| Net charge-offs to loans | -0.2111% | 4,597 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.1276% | 3,693 |
| Assets per employee ($millions) | 9.0596% | 911 |
| Cash dividends to net income (ytd only)* | 88.6522% | 537 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1721% | 2,707 |
| Loan loss allowance to noncurrent loans | 834.2568% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.1184% | 2,685 |
| Noncurrent loans to loans | 0.1405% | 2,792 |
| Net loans and leases to total assets | 83.2700% | 282 |
| Net loans and leases to deposits | 96.8983% | 609 |
| Net loans and leases to core deposits | 140.9431% | 178 |
| Total domestic deposits to total assets | 85.9300% | 2,614 |
| Equity capital to assets | 13.1849% | 717 |
| Core capital (leverage) ratio | 13.6163% | 810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2703% | 1,119 |
| Memoranda: |
| Average total assets | $2,460,228,000 | 471 |
| Average earning assets | $2,350,803,500 | 450 |
| Average equity | $329,257,500 | 370 |
| Average total loans | $2,087,834,000 | 391 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6572% | 552 |
| Cost of funding earning assets | 0.5547% | 1,089 |
| Net interest margin | 4.1025% | 653 |
| Noninterest income to average assets | 0.6300% | 1,531 |
| Noninterest expense to average assets | 2.1945% | 3,043 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 1.5573% | 767 |
| Return on assets (ROA) | 1.5573% | 730 |
| Pretax return on assets | 2.1989% | 319 |
| Return on Equity (ROE) | 11.9600% | 2,152 |
| Retained earnings to average equity (ytd only) | 6.3918% | 2,497 |
| Net charge-offs to loans | 0.0553% | 1,109 |
| Credit loss provision to net charge-offs | 346.0134% | 844 |
| Earnings coverage of net charge-offs (x) | 51.7935% | 1,332 |
| Efficiency ratio | 48.2220% | 4,226 |
| Assets per employee ($millions) | 8.8970% | 952 |
| Cash dividends to net income (ytd only)* | 46.5776% | 1,559 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2056% | 2,360 |
| Loan loss allowance to noncurrent loans | 339.0241% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.3040% | 1,639 |
| Noncurrent loans to loans | 0.3556% | 1,870 |
| Net loans and leases to total assets | 84.4600% | 226 |
| Net loans and leases to deposits | 99.5807% | 457 |
| Net loans and leases to core deposits | 131.7280% | 209 |
| Total domestic deposits to total assets | 84.8200% | 3,037 |
| Equity capital to assets | 13.5881% | 618 |
| Core capital (leverage) ratio | 14.0518% | 713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5152% | 1,048 |
| Memoranda: |
| Average total assets | $2,288,171,400 | 495 |
| Average earning assets | $2,184,801,800 | 469 |
| Average equity | $297,817,800 | 391 |
| Average total loans | $1,884,051,200 | 398 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3446% | 664 |
| Cost of funding earning assets | 0.2976% | 2,193 |
| Net interest margin | 4.0470% | 583 |
| Noninterest income to average assets | 0.7200% | 1,256 |
| Noninterest expense to average assets | 2.2067% | 2,911 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.5827% | 682 |
| Return on assets (ROA) | 1.5827% | 663 |
| Pretax return on assets | 2.2287% | 306 |
| Return on Equity (ROE) | 12.3100% | 1,938 |
| Retained earnings to average equity (ytd only) | 7.8702% | 2,050 |
| Net charge-offs to loans | 0.0778% | 759 |
| Credit loss provision to net charge-offs | 228.6114% | 925 |
| Earnings coverage of net charge-offs (x) | 37.4194% | 1,416 |
| Efficiency ratio | 48.1769% | 4,262 |
| Assets per employee ($millions) | 8.4926% | 1,069 |
| Cash dividends to net income (ytd only)* | 36.0427% | 1,758 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2011% | 2,518 |
| Loan loss allowance to noncurrent loans | 321.2683% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.3178% | 1,670 |
| Noncurrent loans to loans | 0.3739% | 1,891 |
| Net loans and leases to total assets | 83.9900% | 243 |
| Net loans and leases to deposits | 98.4890% | 430 |
| Net loans and leases to core deposits | 121.6942% | 233 |
| Total domestic deposits to total assets | 85.2800% | 3,221 |
| Equity capital to assets | 14.0223% | 566 |
| Core capital (leverage) ratio | 14.4652% | 617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0207% | 983 |
| Memoranda: |
| Average total assets | $2,255,215,000 | 498 |
| Average earning assets | $2,153,533,750 | 478 |
| Average equity | $290,064,250 | 394 |
| Average total loans | $1,837,845,500 | 403 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0641% | 836 |
| Cost of funding earning assets | 0.1871% | 3,084 |
| Net interest margin | 3.8771% | 641 |
| Noninterest income to average assets | 0.8008% | 1,039 |
| Noninterest expense to average assets | 2.1393% | 3,030 |
| Loan and lease loss provision to assets | -0.1165% | 4,616 |
| Net operating income to assets | 1.7611% | 371 |
| Return on assets (ROA) | 1.7611% | 363 |
| Pretax return on assets | 2.4839% | 169 |
| Return on Equity (ROE) | 14.1359% | 1,081 |
| Retained earnings to average equity (ytd only) | 10.6106% | 870 |
| Net charge-offs to loans | 0.0011% | 2,108 |
| Credit loss provision to net charge-offs | -13,000.0000% | 3,866 |
| Earnings coverage of net charge-offs (x) | 2,641.1000% | 29 |
| Efficiency ratio | 47.4701% | 4,370 |
| Assets per employee ($millions) | 8.6513% | 1,003 |
| Cash dividends to net income (ytd only)* | 24.9389% | 2,275 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1435% | 2,961 |
| Loan loss allowance to noncurrent loans | 1,722.8945% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.0866% | 3,116 |
| Noncurrent loans to loans | 0.0664% | 3,465 |
| Net loans and leases to total assets | 77.6953% | 577 |
| Net loans and leases to deposits | 90.9098% | 672 |
| Net loans and leases to core deposits | 105.7401% | 460 |
| Total domestic deposits to total assets | 85.4642% | 3,377 |
| Equity capital to assets | 13.9986% | 514 |
| Core capital (leverage) ratio | 15.0918% | 466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9205% | 866 |
| Memoranda: |
| Average total assets | $2,231,293,667 | 500 |
| Average earning assets | $2,132,746,667 | 483 |
| Average equity | $277,986,667 | 410 |
| Average total loans | $1,791,054,333 | 400 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0177% | 749 |
| Cost of funding earning assets | 0.1732% | 3,181 |
| Net interest margin | 3.8445% | 577 |
| Noninterest income to average assets | 0.9723% | 720 |
| Noninterest expense to average assets | 2.1877% | 2,876 |
| Loan and lease loss provision to assets | -0.2191% | 4,702 |
| Net operating income to assets | 1.9061% | 266 |
| Return on assets (ROA) | 1.9061% | 266 |
| Pretax return on assets | 2.6812% | 140 |
| Return on Equity (ROE) | 16.3919% | 494 |
| Retained earnings to average equity (ytd only) | 12.5166% | 525 |
| Net charge-offs to loans | -0.0018% | 3,094 |
| Credit loss provision to net charge-offs | 14,887.5000% | 36 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0491% | 4,453 |
| Assets per employee ($millions) | 8.5925% | 1,064 |
| Cash dividends to net income (ytd only)* | 23.6418% | 1,907 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2035% | 2,842 |
| Loan loss allowance to noncurrent loans | 1,494.9224% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.0645% | 3,412 |
| Noncurrent loans to loans | 0.0805% | 3,438 |
| Net loans and leases to total assets | 79.1069% | 288 |
| Net loans and leases to deposits | 90.8014% | 470 |
| Net loans and leases to core deposits | 108.2466% | 300 |
| Total domestic deposits to total assets | 87.1207% | 2,883 |
| Equity capital to assets | 11.5918% | 1,096 |
| Core capital (leverage) ratio | 11.9423% | 1,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6271% | 1,608 |
| Memoranda: |
| Average total assets | $2,174,691,000 | 513 |
| Average earning assets | $2,080,286,000 | 498 |
| Average equity | $252,881,000 | 450 |
| Average total loans | $1,765,263,000 | 405 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0987% | 1,160 |
| Cost of funding earning assets | 0.2181% | 3,281 |
| Net interest margin | 3.8806% | 868 |
| Noninterest income to average assets | 0.8960% | 1,211 |
| Noninterest expense to average assets | 2.0634% | 3,490 |
| Loan and lease loss provision to assets | -0.2234% | 4,729 |
| Net operating income to assets | 1.9748% | 354 |
| Return on assets (ROA) | 1.9748% | 379 |
| Pretax return on assets | 2.8049% | 178 |
| Return on Equity (ROE) | 17.0272% | 591 |
| Retained earnings to average equity (ytd only) | 9.3268% | 1,092 |
| Net charge-offs to loans | -0.0274% | 4,085 |
| Credit loss provision to net charge-offs | 986.2661% | 541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4231% | 4,558 |
| Assets per employee ($millions) | 8.7033% | 1,015 |
| Cash dividends to net income (ytd only)* | 45.2243% | 1,765 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2650% | 2,534 |
| Loan loss allowance to noncurrent loans | 2,251.6097% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.0462% | 3,671 |
| Noncurrent loans to loans | 0.0562% | 3,675 |
| Net loans and leases to total assets | 81.2601% | 213 |
| Net loans and leases to deposits | 93.2854% | 407 |
| Net loans and leases to core deposits | 115.2787% | 214 |
| Total domestic deposits to total assets | 87.1091% | 2,472 |
| Equity capital to assets | 11.6658% | 1,414 |
| Core capital (leverage) ratio | 11.8492% | 1,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7266% | 1,609 |
| Memoranda: |
| Average total assets | $2,057,541,600 | 516 |
| Average earning assets | $1,987,742,600 | 498 |
| Average equity | $238,635,600 | 467 |
| Average total loans | $1,702,416,400 | 411 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0928% | 1,318 |
| Cost of funding earning assets | 0.2325% | 3,295 |
| Net interest margin | 3.8604% | 1,005 |
| Noninterest income to average assets | 0.8910% | 1,277 |
| Noninterest expense to average assets | 2.0619% | 3,481 |
| Loan and lease loss provision to assets | -0.2054% | 4,755 |
| Net operating income to assets | 1.9554% | 496 |
| Return on assets (ROA) | 1.9554% | 523 |
| Pretax return on assets | 2.7726% | 237 |
| Return on Equity (ROE) | 16.8853% | 779 |
| Retained earnings to average equity (ytd only) | 7.6178% | 2,176 |
| Net charge-offs to loans | -0.0341% | 4,193 |
| Credit loss provision to net charge-offs | 727.1462% | 628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5418% | 4,563 |
| Assets per employee ($millions) | 8.4523% | 1,072 |
| Cash dividends to net income (ytd only)* | 54.8849% | 1,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3707% | 2,143 |
| Loan loss allowance to noncurrent loans | 2,133.2437% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.0530% | 3,784 |
| Noncurrent loans to loans | 0.0643% | 3,776 |
| Net loans and leases to total assets | 81.3962% | 226 |
| Net loans and leases to deposits | 93.2171% | 443 |
| Net loans and leases to core deposits | 113.4789% | 264 |
| Total domestic deposits to total assets | 87.3190% | 2,203 |
| Equity capital to assets | 11.5190% | 1,657 |
| Core capital (leverage) ratio | 11.6616% | 1,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0085% | 1,612 |
| Memoranda: |
| Average total assets | $2,034,501,250 | 524 |
| Average earning assets | $1,970,088,000 | 504 |
| Average equity | $235,599,500 | 472 |
| Average total loans | $1,685,712,750 | 420 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0394% | 1,471 |
| Cost of funding earning assets | 0.2563% | 3,232 |
| Net interest margin | 3.7832% | 1,166 |
| Noninterest income to average assets | 0.7964% | 1,546 |
| Noninterest expense to average assets | 2.0290% | 3,606 |
| Loan and lease loss provision to assets | -0.2069% | 4,762 |
| Net operating income to assets | 1.8592% | 637 |
| Return on assets (ROA) | 1.8592% | 667 |
| Pretax return on assets | 2.6353% | 289 |
| Return on Equity (ROE) | 16.0251% | 951 |
| Retained earnings to average equity (ytd only) | 4.3176% | 3,424 |
| Net charge-offs to loans | -0.0551% | 4,420 |
| Credit loss provision to net charge-offs | 452.3913% | 713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5201% | 4,539 |
| Assets per employee ($millions) | 8.3062% | 1,076 |
| Cash dividends to net income (ytd only)* | 73.0570% | 622 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4379% | 1,819 |
| Loan loss allowance to noncurrent loans | 1,721.2310% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.0702% | 3,743 |
| Noncurrent loans to loans | 0.0835% | 3,772 |
| Net loans and leases to total assets | 82.8189% | 181 |
| Net loans and leases to deposits | 94.6627% | 434 |
| Net loans and leases to core deposits | 116.5470% | 258 |
| Total domestic deposits to total assets | 87.4883% | 2,099 |
| Equity capital to assets | 11.3743% | 1,716 |
| Core capital (leverage) ratio | 11.5321% | 1,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1315% | 1,590 |
| Memoranda: |
| Average total assets | $2,011,124,333 | 524 |
| Average earning assets | $1,946,207,667 | 507 |
| Average equity | $233,321,667 | 473 |
| Average total loans | $1,668,651,000 | 426 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0114% | 1,586 |
| Cost of funding earning assets | 0.2999% | 2,993 |
| Net interest margin | 3.7114% | 1,309 |
| Noninterest income to average assets | 0.5752% | 2,310 |
| Noninterest expense to average assets | 1.9131% | 3,960 |
| Loan and lease loss provision to assets | -0.2309% | 4,830 |
| Net operating income to assets | 1.7464% | 867 |
| Return on assets (ROA) | 1.7464% | 921 |
| Pretax return on assets | 2.4805% | 450 |
| Return on Equity (ROE) | 14.9018% | 1,237 |
| Retained earnings to average equity (ytd only) | 11.8953% | 1,173 |
| Net charge-offs to loans | -0.0369% | 4,273 |
| Credit loss provision to net charge-offs | 759.6026% | 490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9589% | 4,474 |
| Assets per employee ($millions) | 8.3358% | 1,058 |
| Cash dividends to net income (ytd only)* | 20.1752% | 1,998 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5102% | 1,573 |
| Loan loss allowance to noncurrent loans | 1,746.3381% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.1852% | 3,239 |
| Noncurrent loans to loans | 0.0865% | 3,873 |
| Net loans and leases to total assets | 81.1452% | 271 |
| Net loans and leases to deposits | 94.6427% | 460 |
| Net loans and leases to core deposits | 116.6625% | 282 |
| Total domestic deposits to total assets | 85.7384% | 2,839 |
| Equity capital to assets | 11.4985% | 1,544 |
| Core capital (leverage) ratio | 11.8081% | 1,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8765% | 1,339 |
| Memoranda: |
| Average total assets | $1,986,714,500 | 521 |
| Average earning assets | $1,920,334,000 | 504 |
| Average equity | $232,830,500 | 470 |
| Average total loans | $1,637,521,000 | 436 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3369% | 1,752 |
| Cost of funding earning assets | 0.7379% | 1,521 |
| Net interest margin | 3.5990% | 2,144 |
| Noninterest income to average assets | 0.6171% | 2,152 |
| Noninterest expense to average assets | 2.1502% | 3,824 |
| Loan and lease loss provision to assets | 0.6949% | 235 |
| Net operating income to assets | 0.8800% | 2,784 |
| Return on assets (ROA) | 0.8800% | 2,921 |
| Pretax return on assets | 1.2517% | 2,150 |
| Return on Equity (ROE) | 7.4488% | 3,020 |
| Retained earnings to average equity (ytd only) | 1.3968% | 4,067 |
| Net charge-offs to loans | 0.0710% | 1,780 |
| Credit loss provision to net charge-offs | 1,213.8659% | 678 |
| Earnings coverage of net charge-offs (x) | 34.0028% | 1,503 |
| Efficiency ratio | 52.4837% | 4,350 |
| Assets per employee ($millions) | 7.7222% | 1,158 |
| Cash dividends to net income (ytd only)* | 81.2474% | 609 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6720% | 1,100 |
| Loan loss allowance to noncurrent loans | 838.1284% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.2374% | 3,102 |
| Noncurrent loans to loans | 0.1995% | 3,496 |
| Net loans and leases to total assets | 81.0813% | 359 |
| Net loans and leases to deposits | 97.5180% | 484 |
| Net loans and leases to core deposits | 124.7196% | 258 |
| Total domestic deposits to total assets | 83.1450% | 3,365 |
| Equity capital to assets | 11.9549% | 1,595 |
| Core capital (leverage) ratio | 11.7375% | 1,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9526% | 1,273 |
| Memoranda: |
| Average total assets | $1,902,166,600 | 498 |
| Average earning assets | $1,839,104,600 | 478 |
| Average equity | $224,722,200 | 462 |
| Average total loans | $1,534,592,800 | 441 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3772% | 1,904 |
| Cost of funding earning assets | 0.8334% | 1,345 |
| Net interest margin | 3.5438% | 2,443 |
| Noninterest income to average assets | 0.5072% | 2,589 |
| Noninterest expense to average assets | 2.0744% | 3,998 |
| Loan and lease loss provision to assets | 0.7785% | 240 |
| Net operating income to assets | 0.7612% | 3,246 |
| Return on assets (ROA) | 0.7612% | 3,357 |
| Pretax return on assets | 1.0828% | 2,801 |
| Return on Equity (ROE) | 6.4626% | 3,388 |
| Retained earnings to average equity (ytd only) | -0.6087% | 4,568 |
| Net charge-offs to loans | 0.0798% | 1,506 |
| Credit loss provision to net charge-offs | 1,215.9166% | 727 |
| Earnings coverage of net charge-offs (x) | 29.0703% | 1,618 |
| Efficiency ratio | 52.7064% | 4,282 |
| Assets per employee ($millions) | 8.0203% | 985 |
| Cash dividends to net income (ytd only)* | 109.4183% | 234 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5249% | 1,318 |
| Loan loss allowance to noncurrent loans | 683.3519% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.1963% | 3,456 |
| Noncurrent loans to loans | 0.2231% | 3,501 |
| Net loans and leases to total assets | 78.4286% | 780 |
| Net loans and leases to deposits | 96.0224% | 757 |
| Net loans and leases to core deposits | 121.7847% | 376 |
| Total domestic deposits to total assets | 81.6774% | 3,499 |
| Equity capital to assets | 11.1606% | 2,275 |
| Core capital (leverage) ratio | 11.2140% | 1,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5966% | 1,353 |
| Memoranda: |
| Average total assets | $1,897,003,500 | 487 |
| Average earning assets | $1,835,301,500 | 467 |
| Average equity | $223,434,750 | 454 |
| Average total loans | $1,521,851,750 | 439 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5290% | 1,834 |
| Cost of funding earning assets | 0.9702% | 1,071 |
| Net interest margin | 3.5589% | 2,615 |
| Noninterest income to average assets | 0.5329% | 2,426 |
| Noninterest expense to average assets | 2.1330% | 3,964 |
| Loan and lease loss provision to assets | 0.7276% | 370 |
| Net operating income to assets | 0.7838% | 3,094 |
| Return on assets (ROA) | 0.7838% | 3,211 |
| Pretax return on assets | 1.1136% | 2,673 |
| Return on Equity (ROE) | 6.5301% | 3,321 |
| Retained earnings to average equity (ytd only) | -2.5395% | 4,627 |
| Net charge-offs to loans | 0.1183% | 1,138 |
| Credit loss provision to net charge-offs | 764.5527% | 941 |
| Earnings coverage of net charge-offs (x) | 19.3465% | 1,725 |
| Efficiency ratio | 53.6707% | 4,217 |
| Assets per employee ($millions) | 8.0507% | 950 |
| Cash dividends to net income (ytd only)* | 138.8889% | 243 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2999% | 2,001 |
| Loan loss allowance to noncurrent loans | 453.3811% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.2396% | 3,360 |
| Noncurrent loans to loans | 0.2867% | 3,350 |
| Net loans and leases to total assets | 76.0841% | 1,129 |
| Net loans and leases to deposits | 93.1483% | 1,036 |
| Net loans and leases to core deposits | 117.5108% | 487 |
| Total domestic deposits to total assets | 81.6806% | 3,453 |
| Equity capital to assets | 11.0639% | 2,283 |
| Core capital (leverage) ratio | 11.3036% | 1,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8274% | 1,294 |
| Memoranda: |
| Average total assets | $1,855,631,667 | 492 |
| Average earning assets | $1,794,342,667 | 469 |
| Average equity | $222,723,000 | 454 |
| Average total loans | $1,492,575,000 | 439 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0552% | 874 |
| Cost of funding earning assets | 1.1891% | 801 |
| Net interest margin | 3.8661% | 1,772 |
| Noninterest income to average assets | 0.4571% | 2,752 |
| Noninterest expense to average assets | 2.3284% | 3,704 |
| Loan and lease loss provision to assets | 0.6533% | 407 |
| Net operating income to assets | 0.8453% | 2,730 |
| Return on assets (ROA) | 0.8453% | 2,819 |
| Pretax return on assets | 1.2126% | 2,147 |
| Return on Equity (ROE) | 6.7422% | 3,050 |
| Retained earnings to average equity (ytd only) | -8.1925% | 4,699 |
| Net charge-offs to loans | 0.1649% | 799 |
| Credit loss provision to net charge-offs | 481.0631% | 906 |
| Earnings coverage of net charge-offs (x) | 13.7392% | 1,636 |
| Efficiency ratio | 55.5131% | 4,255 |
| Assets per employee ($millions) | 6.9493% | 1,113 |
| Cash dividends to net income (ytd only)* | 221.5105% | 255 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1364% | 3,010 |
| Loan loss allowance to noncurrent loans | 408.3762% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.2477% | 3,464 |
| Noncurrent loans to loans | 0.2783% | 3,493 |
| Net loans and leases to total assets | 80.5919% | 620 |
| Net loans and leases to deposits | 97.9522% | 720 |
| Net loans and leases to core deposits | 128.4353% | 291 |
| Total domestic deposits to total assets | 82.2767% | 3,336 |
| Equity capital to assets | 12.2561% | 1,882 |
| Core capital (leverage) ratio | 12.3702% | 1,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4690% | 1,485 |
| Memoranda: |
| Average total assets | $1,773,090,000 | 500 |
| Average earning assets | $1,713,969,000 | 474 |
| Average equity | $222,300,000 | 455 |
| Average total loans | $1,460,017,000 | 432 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6173% | 462 |
| Cost of funding earning assets | 1.4451% | 474 |
| Net interest margin | 4.1722% | 1,369 |
| Noninterest income to average assets | 0.6444% | 2,030 |
| Noninterest expense to average assets | 2.4143% | 3,646 |
| Loan and lease loss provision to assets | 0.2467% | 753 |
| Net operating income to assets | 1.4020% | 1,337 |
| Return on assets (ROA) | 1.4381% | 1,289 |
| Pretax return on assets | 2.0488% | 536 |
| Return on Equity (ROE) | 11.3051% | 1,768 |
| Retained earnings to average equity (ytd only) | 5.8352% | 1,958 |
| Net charge-offs to loans | 0.2181% | 937 |
| Credit loss provision to net charge-offs | 140.1124% | 1,848 |
| Earnings coverage of net charge-offs (x) | 12.7768% | 2,396 |
| Efficiency ratio | 51.7640% | 4,620 |
| Assets per employee ($millions) | 6.8482% | 1,108 |
| Cash dividends to net income (ytd only)* | 48.3845% | 2,167 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9898% | 3,577 |
| Loan loss allowance to noncurrent loans | 509.2068% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.1617% | 3,833 |
| Noncurrent loans to loans | 0.1944% | 3,759 |
| Net loans and leases to total assets | 82.3698% | 506 |
| Net loans and leases to deposits | 97.0540% | 837 |
| Net loans and leases to core deposits | 130.7696% | 265 |
| Total domestic deposits to total assets | 84.8701% | 2,546 |
| Equity capital to assets | 12.8274% | 1,622 |
| Core capital (leverage) ratio | 13.0639% | 1,208 |
| Tier 1 risk-based capital ratio | 15.6760% | 2,514 |
| Total risk-based capital ratio | 16.7069% | 2,524 |
| Memoranda: |
| Average total assets | $1,717,374,000 | 491 |
| Average earning assets | $1,654,619,000 | 465 |
| Average equity | $218,467,200 | 442 |
| Average total loans | $1,386,353,000 | 432 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7206% | 405 |
| Cost of funding earning assets | 1.4810% | 433 |
| Net interest margin | 4.2397% | 1,284 |
| Noninterest income to average assets | 0.6430% | 2,020 |
| Noninterest expense to average assets | 2.4464% | 3,580 |
| Loan and lease loss provision to assets | 0.0161% | 3,585 |
| Net operating income to assets | 1.5914% | 950 |
| Return on assets (ROA) | 1.5914% | 995 |
| Pretax return on assets | 2.2638% | 402 |
| Return on Equity (ROE) | 12.5368% | 1,428 |
| Retained earnings to average equity (ytd only) | 6.3194% | 2,210 |
| Net charge-offs to loans | 0.0273% | 2,546 |
| Credit loss provision to net charge-offs | 73.9286% | 2,577 |
| Earnings coverage of net charge-offs (x) | 104.4404% | 728 |
| Efficiency ratio | 51.7617% | 4,615 |
| Assets per employee ($millions) | 6.8249% | 1,104 |
| Cash dividends to net income (ytd only)* | 49.5934% | 1,700 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9411% | 3,865 |
| Loan loss allowance to noncurrent loans | 710.4721% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.1085% | 4,168 |
| Noncurrent loans to loans | 0.1325% | 4,059 |
| Net loans and leases to total assets | 81.1065% | 698 |
| Net loans and leases to deposits | 96.0645% | 1,011 |
| Net loans and leases to core deposits | 124.6787% | 400 |
| Total domestic deposits to total assets | 84.4292% | 2,658 |
| Equity capital to assets | 13.0664% | 1,593 |
| Core capital (leverage) ratio | 12.7216% | 1,475 |
| Tier 1 risk-based capital ratio | 16.1098% | 2,387 |
| Total risk-based capital ratio | 17.0769% | 2,441 |
| Memoranda: |
| Average total assets | $1,710,142,000 | 494 |
| Average earning assets | $1,647,070,000 | 468 |
| Average equity | $217,082,750 | 448 |
| Average total loans | $1,369,740,000 | 438 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6900% | 416 |
| Cost of funding earning assets | 1.4699% | 417 |
| Net interest margin | 4.2201% | 1,312 |
| Noninterest income to average assets | 0.6376% | 1,985 |
| Noninterest expense to average assets | 2.4310% | 3,653 |
| Loan and lease loss provision to assets | 0.0361% | 3,097 |
| Net operating income to assets | 1.5728% | 966 |
| Return on assets (ROA) | 1.5728% | 1,003 |
| Pretax return on assets | 2.2371% | 414 |
| Return on Equity (ROE) | 12.5119% | 1,406 |
| Retained earnings to average equity (ytd only) | 9.6023% | 880 |
| Net charge-offs to loans | 0.0217% | 2,412 |
| Credit loss provision to net charge-offs | 208.7838% | 1,167 |
| Earnings coverage of net charge-offs (x) | 131.6081% | 556 |
| Efficiency ratio | 51.6771% | 4,676 |
| Assets per employee ($millions) | 6.9615% | 1,015 |
| Cash dividends to net income (ytd only)* | 23.2544% | 2,906 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9547% | 3,860 |
| Loan loss allowance to noncurrent loans | 932.6802% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.1057% | 4,230 |
| Noncurrent loans to loans | 0.1024% | 4,210 |
| Net loans and leases to total assets | 80.0873% | 867 |
| Net loans and leases to deposits | 95.4710% | 1,098 |
| Net loans and leases to core deposits | 122.7977% | 465 |
| Total domestic deposits to total assets | 83.8865% | 2,912 |
| Equity capital to assets | 12.8362% | 1,671 |
| Core capital (leverage) ratio | 12.6410% | 1,467 |
| Tier 1 risk-based capital ratio | 16.0681% | 2,380 |
| Total risk-based capital ratio | 17.0502% | 2,434 |
| Memoranda: |
| Average total assets | $1,713,724,330 | 493 |
| Average earning assets | $1,651,381,000 | 466 |
| Average equity | $215,427,000 | 449 |
| Average total loans | $1,362,515,670 | 440 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5780% | 446 |
| Cost of funding earning assets | 1.4093% | 439 |
| Net interest margin | 4.1687% | 1,376 |
| Noninterest income to average assets | 0.5644% | 2,208 |
| Noninterest expense to average assets | 2.3618% | 3,868 |
| Loan and lease loss provision to assets | -0.0199% | 5,225 |
| Net operating income to assets | 1.5720% | 955 |
| Return on assets (ROA) | 1.5720% | 983 |
| Pretax return on assets | 2.2411% | 407 |
| Return on Equity (ROE) | 12.6404% | 1,343 |
| Retained earnings to average equity (ytd only) | 10.7566% | 858 |
| Net charge-offs to loans | -0.0163% | 4,413 |
| Credit loss provision to net charge-offs | 154.5455% | 1,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5336% | 4,728 |
| Assets per employee ($millions) | 6.8163% | 1,082 |
| Cash dividends to net income (ytd only)* | 14.9031% | 2,570 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9752% | 3,843 |
| Loan loss allowance to noncurrent loans | 1,033.5956% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.0970% | 4,328 |
| Noncurrent loans to loans | 0.0944% | 4,324 |
| Net loans and leases to total assets | 77.6583% | 1,214 |
| Net loans and leases to deposits | 92.0454% | 1,393 |
| Net loans and leases to core deposits | 123.2824% | 440 |
| Total domestic deposits to total assets | 84.3696% | 2,914 |
| Equity capital to assets | 12.5549% | 1,703 |
| Core capital (leverage) ratio | 12.7382% | 1,383 |
| Tier 1 risk-based capital ratio | 16.4064% | 2,301 |
| Total risk-based capital ratio | 17.4169% | 2,324 |
| Memoranda: |
| Average total assets | $1,707,360,500 | 495 |
| Average earning assets | $1,645,897,000 | 469 |
| Average equity | $212,335,000 | 452 |
| Average total loans | $1,345,775,000 | 446 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4270% | 463 |
| Cost of funding earning assets | 1.1639% | 393 |
| Net interest margin | 4.2632% | 1,242 |
| Noninterest income to average assets | 0.6532% | 2,035 |
| Noninterest expense to average assets | 2.4562% | 3,736 |
| Loan and lease loss provision to assets | 0.0769% | 2,589 |
| Net operating income to assets | 1.5590% | 972 |
| Return on assets (ROA) | 1.5590% | 963 |
| Pretax return on assets | 2.2291% | 335 |
| Return on Equity (ROE) | 14.7140% | 895 |
| Retained earnings to average equity (ytd only) | 13.7149% | 186 |
| Net charge-offs to loans | 0.0226% | 2,962 |
| Credit loss provision to net charge-offs | 427.4306% | 784 |
| Earnings coverage of net charge-offs (x) | 128.1250% | 625 |
| Efficiency ratio | 51.5767% | 4,830 |
| Assets per employee ($millions) | 6.8705% | 1,039 |
| Cash dividends to net income (ytd only)* | 6.7904% | 3,904 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9794% | 3,814 |
| Loan loss allowance to noncurrent loans | 1,240.9991% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.0625% | 4,524 |
| Noncurrent loans to loans | 0.0789% | 4,396 |
| Net loans and leases to total assets | 78.4498% | 1,192 |
| Net loans and leases to deposits | 92.1307% | 1,531 |
| Net loans and leases to core deposits | 118.7312% | 592 |
| Total domestic deposits to total assets | 85.1505% | 2,588 |
| Equity capital to assets | 12.3165% | 1,688 |
| Core capital (leverage) ratio | 12.5259% | 1,441 |
| Tier 1 risk-based capital ratio | 16.1852% | 2,348 |
| Total risk-based capital ratio | 17.2128% | 2,358 |
| Memoranda: |
| Average total assets | $1,600,165,200 | 513 |
| Average earning assets | $1,542,281,800 | 481 |
| Average equity | $169,546,000 | 516 |
| Average total loans | $1,273,296,200 | 456 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3103% | 513 |
| Cost of funding earning assets | 1.1044% | 392 |
| Net interest margin | 4.2059% | 1,344 |
| Noninterest income to average assets | 0.6950% | 1,883 |
| Noninterest expense to average assets | 2.4874% | 3,629 |
| Loan and lease loss provision to assets | 0.0793% | 2,368 |
| Net operating income to assets | 1.5250% | 1,134 |
| Return on assets (ROA) | 1.5250% | 1,135 |
| Pretax return on assets | 2.1802% | 409 |
| Return on Equity (ROE) | 15.0514% | 867 |
| Retained earnings to average equity (ytd only) | 13.6370% | 288 |
| Net charge-offs to loans | 0.0068% | 3,190 |
| Credit loss provision to net charge-offs | 1,464.0625% | 281 |
| Earnings coverage of net charge-offs (x) | 417.3027% | 224 |
| Efficiency ratio | 52.4007% | 4,768 |
| Assets per employee ($millions) | 6.7636% | 1,039 |
| Cash dividends to net income (ytd only)* | 9.3975% | 3,397 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9906% | 3,828 |
| Loan loss allowance to noncurrent loans | 824.2291% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.0955% | 4,499 |
| Noncurrent loans to loans | 0.1202% | 4,351 |
| Net loans and leases to total assets | 78.6722% | 1,222 |
| Net loans and leases to deposits | 92.0514% | 1,619 |
| Net loans and leases to core deposits | 117.6125% | 654 |
| Total domestic deposits to total assets | 85.4655% | 2,421 |
| Equity capital to assets | 12.0526% | 1,878 |
| Core capital (leverage) ratio | 12.4479% | 1,530 |
| Tier 1 risk-based capital ratio | 15.8915% | 2,485 |
| Total risk-based capital ratio | 16.9292% | 2,516 |
| Memoranda: |
| Average total assets | $1,575,955,500 | 517 |
| Average earning assets | $1,518,240,000 | 489 |
| Average equity | $159,679,500 | 539 |
| Average total loans | $1,255,504,500 | 459 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2311% | 528 |
| Cost of funding earning assets | 1.0465% | 368 |
| Net interest margin | 4.1846% | 1,322 |
| Noninterest income to average assets | 0.7288% | 1,749 |
| Noninterest expense to average assets | 2.5615% | 3,444 |
| Loan and lease loss provision to assets | 0.0672% | 2,546 |
| Net operating income to assets | 1.4965% | 1,172 |
| Return on assets (ROA) | 1.4965% | 1,164 |
| Pretax return on assets | 2.1314% | 452 |
| Return on Equity (ROE) | 15.8469% | 700 |
| Retained earnings to average equity (ytd only) | 14.4173% | 241 |
| Net charge-offs to loans | 0.0199% | 2,489 |
| Credit loss provision to net charge-offs | 422.7642% | 790 |
| Earnings coverage of net charge-offs (x) | 138.2358% | 553 |
| Efficiency ratio | 53.8113% | 4,712 |
| Assets per employee ($millions) | 6.9787% | 927 |
| Cash dividends to net income (ytd only)* | 9.0210% | 3,324 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9897% | 3,913 |
| Loan loss allowance to noncurrent loans | 616.2598% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.1265% | 4,366 |
| Noncurrent loans to loans | 0.1606% | 4,187 |
| Net loans and leases to total assets | 77.9813% | 1,319 |
| Net loans and leases to deposits | 88.4188% | 2,058 |
| Net loans and leases to core deposits | 112.4395% | 863 |
| Total domestic deposits to total assets | 88.1954% | 1,276 |
| Equity capital to assets | 9.3050% | 4,277 |
| Core capital (leverage) ratio | 9.5309% | 4,082 |
| Tier 1 risk-based capital ratio | 12.3660% | 4,263 |
| Total risk-based capital ratio | 13.4016% | 4,282 |
| Memoranda: |
| Average total assets | $1,546,658,670 | 528 |
| Average earning assets | $1,490,040,670 | 495 |
| Average equity | $146,060,330 | 578 |
| Average total loans | $1,233,312,330 | 467 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1036% | 580 |
| Cost of funding earning assets | 0.9134% | 557 |
| Net interest margin | 4.1902% | 1,194 |
| Noninterest income to average assets | 0.8903% | 1,173 |
| Noninterest expense to average assets | 2.4496% | 3,815 |
| Loan and lease loss provision to assets | 0.0252% | 3,189 |
| Net operating income to assets | 1.7327% | 640 |
| Return on assets (ROA) | 1.7327% | 650 |
| Pretax return on assets | 2.4657% | 231 |
| Return on Equity (ROE) | 18.2049% | 391 |
| Retained earnings to average equity (ytd only) | 16.7525% | 202 |
| Net charge-offs to loans | -0.0172% | 4,479 |
| Credit loss provision to net charge-offs | -182.6923% | 3,792 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5819% | 5,109 |
| Assets per employee ($millions) | 6.9251% | 989 |
| Cash dividends to net income (ytd only)* | 7.9780% | 2,630 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0062% | 3,912 |
| Loan loss allowance to noncurrent loans | 516.1035% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.1518% | 4,321 |
| Noncurrent loans to loans | 0.1950% | 4,087 |
| Net loans and leases to total assets | 77.0835% | 1,372 |
| Net loans and leases to deposits | 88.0141% | 1,927 |
| Net loans and leases to core deposits | 111.6906% | 905 |
| Total domestic deposits to total assets | 87.5809% | 1,858 |
| Equity capital to assets | 9.2692% | 4,300 |
| Core capital (leverage) ratio | 10.0285% | 3,501 |
| Tier 1 risk-based capital ratio | 12.2519% | 4,405 |
| Total risk-based capital ratio | 13.2901% | 4,411 |
| Memoranda: |
| Average total assets | $1,510,456,500 | 540 |
| Average earning assets | $1,459,981,500 | 512 |
| Average equity | $143,763,500 | 590 |
| Average total loans | $1,212,375,000 | 474 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0517% | 584 |
| Cost of funding earning assets | 0.7815% | 690 |
| Net interest margin | 4.2702% | 1,036 |
| Noninterest income to average assets | 1.0319% | 957 |
| Noninterest expense to average assets | 2.6346% | 3,335 |
| Loan and lease loss provision to assets | 0.1359% | 1,688 |
| Net operating income to assets | 1.2397% | 1,393 |
| Return on assets (ROA) | 1.2397% | 1,411 |
| Pretax return on assets | 2.3651% | 233 |
| Return on Equity (ROE) | 12.3961% | 1,107 |
| Retained earnings to average equity (ytd only) | 11.2314% | 227 |
| Net charge-offs to loans | 0.0834% | 2,266 |
| Credit loss provision to net charge-offs | 197.9415% | 1,380 |
| Earnings coverage of net charge-offs (x) | 36.4280% | 1,340 |
| Efficiency ratio | 51.3014% | 5,144 |
| Assets per employee ($millions) | 6.4955% | 1,213 |
| Cash dividends to net income (ytd only)* | 9.3958% | 3,954 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0227% | 3,793 |
| Loan loss allowance to noncurrent loans | 377.8671% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.2312% | 3,983 |
| Noncurrent loans to loans | 0.2706% | 3,817 |
| Net loans and leases to total assets | 82.0439% | 678 |
| Net loans and leases to deposits | 94.4735% | 1,223 |
| Net loans and leases to core deposits | 121.9766% | 525 |
| Total domestic deposits to total assets | 86.8433% | 2,068 |
| Equity capital to assets | 9.7902% | 3,932 |
| Core capital (leverage) ratio | 9.9385% | 3,533 |
| Tier 1 risk-based capital ratio | 12.0638% | 4,484 |
| Total risk-based capital ratio | 13.1172% | 4,501 |
| Memoranda: |
| Average total assets | $1,344,409,400 | 575 |
| Average earning assets | $1,291,984,400 | 546 |
| Average equity | $134,453,600 | 613 |
| Average total loans | $1,106,876,200 | 492 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9868% | 627 |
| Cost of funding earning assets | 0.7532% | 743 |
| Net interest margin | 4.2335% | 1,073 |
| Noninterest income to average assets | 1.0628% | 905 |
| Noninterest expense to average assets | 2.6188% | 3,353 |
| Loan and lease loss provision to assets | 0.0115% | 3,911 |
| Net operating income to assets | 1.4405% | 1,007 |
| Return on assets (ROA) | 1.4405% | 1,022 |
| Pretax return on assets | 2.4967% | 206 |
| Return on Equity (ROE) | 14.3208% | 770 |
| Retained earnings to average equity (ytd only) | 13.2724% | 202 |
| Net charge-offs to loans | -0.0267% | 4,960 |
| Credit loss provision to net charge-offs | -52.5346% | 4,446 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0786% | 5,176 |
| Assets per employee ($millions) | 6.1302% | 1,413 |
| Cash dividends to net income (ytd only)* | 7.3207% | 3,548 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0138% | 3,985 |
| Loan loss allowance to noncurrent loans | 771.0788% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.1177% | 4,659 |
| Noncurrent loans to loans | 0.1315% | 4,531 |
| Net loans and leases to total assets | 81.0358% | 835 |
| Net loans and leases to deposits | 93.6928% | 1,332 |
| Net loans and leases to core deposits | 117.3843% | 691 |
| Total domestic deposits to total assets | 86.4910% | 2,106 |
| Equity capital to assets | 9.9467% | 3,967 |
| Core capital (leverage) ratio | 10.0830% | 3,461 |
| Tier 1 risk-based capital ratio | 12.2814% | 4,445 |
| Total risk-based capital ratio | 13.3221% | 4,450 |
| Memoranda: |
| Average total assets | $1,320,012,250 | 585 |
| Average earning assets | $1,267,211,250 | 555 |
| Average equity | $132,773,500 | 623 |
| Average total loans | $1,084,771,250 | 501 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8901% | 708 |
| Cost of funding earning assets | 0.7184% | 806 |
| Net interest margin | 4.1718% | 1,144 |
| Noninterest income to average assets | 1.0936% | 837 |
| Noninterest expense to average assets | 2.6436% | 3,296 |
| Loan and lease loss provision to assets | -0.0731% | 5,624 |
| Net operating income to assets | 1.4539% | 944 |
| Return on assets (ROA) | 1.4539% | 970 |
| Pretax return on assets | 2.5249% | 205 |
| Return on Equity (ROE) | 14.3968% | 757 |
| Retained earnings to average equity (ytd only) | 13.5968% | 212 |
| Net charge-offs to loans | -0.0340% | 5,016 |
| Credit loss provision to net charge-offs | 260.7735% | 1,053 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8819% | 5,189 |
| Assets per employee ($millions) | 6.3401% | 1,237 |
| Cash dividends to net income (ytd only)* | 5.5573% | 3,461 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0123% | 4,070 |
| Loan loss allowance to noncurrent loans | 764.8405% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.1211% | 4,705 |
| Noncurrent loans to loans | 0.1323% | 4,591 |
| Net loans and leases to total assets | 79.1200% | 1,077 |
| Net loans and leases to deposits | 91.4739% | 1,560 |
| Net loans and leases to core deposits | 113.9289% | 803 |
| Total domestic deposits to total assets | 86.4945% | 2,167 |
| Equity capital to assets | 9.9115% | 4,013 |
| Core capital (leverage) ratio | 10.3081% | 3,135 |
| Tier 1 risk-based capital ratio | 12.5637% | 4,264 |
| Total risk-based capital ratio | 13.6060% | 4,272 |
| Memoranda: |
| Average total assets | $1,292,077,670 | 596 |
| Average earning assets | $1,239,475,670 | 570 |
| Average equity | $130,487,000 | 633 |
| Average total loans | $1,063,280,000 | 507 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8482% | 686 |
| Cost of funding earning assets | 0.7121% | 793 |
| Net interest margin | 4.1361% | 1,125 |
| Noninterest income to average assets | 1.1103% | 809 |
| Noninterest expense to average assets | 2.6778% | 3,228 |
| Loan and lease loss provision to assets | -0.0630% | 5,728 |
| Net operating income to assets | 1.4201% | 958 |
| Return on assets (ROA) | 1.4201% | 985 |
| Pretax return on assets | 2.4652% | 227 |
| Return on Equity (ROE) | 13.9214% | 823 |
| Retained earnings to average equity (ytd only) | 13.9214% | 302 |
| Net charge-offs to loans | -0.0735% | 5,344 |
| Credit loss provision to net charge-offs | 102.5907% | 1,539 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7134% | 5,232 |
| Assets per employee ($millions) | 6.1552% | 1,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0604% | 3,928 |
| Loan loss allowance to noncurrent loans | 665.5882% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.1714% | 4,558 |
| Noncurrent loans to loans | 0.1593% | 4,547 |
| Net loans and leases to total assets | 82.0662% | 559 |
| Net loans and leases to deposits | 92.0401% | 1,325 |
| Net loans and leases to core deposits | 116.0473% | 593 |
| Total domestic deposits to total assets | 89.1635% | 1,069 |
| Equity capital to assets | 10.1466% | 3,575 |
| Core capital (leverage) ratio | 10.3856% | 3,023 |
| Tier 1 risk-based capital ratio | 12.4907% | 4,395 |
| Total risk-based capital ratio | 13.5897% | 4,389 |
| Memoranda: |
| Average total assets | $1,256,551,500 | 610 |
| Average earning assets | $1,205,978,000 | 581 |
| Average equity | $128,177,000 | 645 |
| Average total loans | $1,050,151,500 | 511 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8533% | 799 |
| Cost of funding earning assets | 0.6472% | 1,072 |
| Net interest margin | 4.2061% | 1,101 |
| Noninterest income to average assets | 1.2015% | 790 |
| Noninterest expense to average assets | 2.8382% | 2,885 |
| Loan and lease loss provision to assets | 0.2019% | 1,139 |
| Net operating income to assets | 1.2576% | 1,337 |
| Return on assets (ROA) | 1.2580% | 1,414 |
| Pretax return on assets | 2.1925% | 332 |
| Return on Equity (ROE) | 12.9536% | 1,003 |
| Retained earnings to average equity (ytd only) | 12.9536% | 170 |
| Net charge-offs to loans | 0.0323% | 3,376 |
| Credit loss provision to net charge-offs | 741.2338% | 490 |
| Earnings coverage of net charge-offs (x) | 87.8929% | 668 |
| Efficiency ratio | 54.2488% | 5,225 |
| Assets per employee ($millions) | 5.7862% | 1,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0956% | 3,735 |
| Loan loss allowance to noncurrent loans | 612.5541% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.1919% | 4,556 |
| Noncurrent loans to loans | 0.1789% | 4,518 |
| Net loans and leases to total assets | 83.3102% | 449 |
| Net loans and leases to deposits | 93.4988% | 1,246 |
| Net loans and leases to core deposits | 117.5509% | 559 |
| Total domestic deposits to total assets | 89.1029% | 1,058 |
| Equity capital to assets | 10.2574% | 3,437 |
| Core capital (leverage) ratio | 10.3792% | 3,018 |
| Tier 1 risk-based capital ratio | 12.3515% | 4,474 |
| Total risk-based capital ratio | 13.4754% | 4,436 |
| Memoranda: |
| Average total assets | $1,130,966,200 | 635 |
| Average earning assets | $1,083,720,400 | 611 |
| Average equity | $109,837,800 | 731 |
| Average total loans | $952,983,400 | 534 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7754% | 945 |
| Cost of funding earning assets | 0.6287% | 1,149 |
| Net interest margin | 4.1467% | 1,261 |
| Noninterest income to average assets | 1.1976% | 801 |
| Noninterest expense to average assets | 2.9075% | 2,621 |
| Loan and lease loss provision to assets | 0.2002% | 1,054 |
| Net operating income to assets | 1.1858% | 1,690 |
| Return on assets (ROA) | 1.1864% | 1,786 |
| Pretax return on assets | 2.0656% | 499 |
| Return on Equity (ROE) | 12.4095% | 1,198 |
| Retained earnings to average equity (ytd only) | 12.4095% | 257 |
| Net charge-offs to loans | 0.0023% | 3,857 |
| Credit loss provision to net charge-offs | 10,387.5000% | 46 |
| Earnings coverage of net charge-offs (x) | 1,175.4669% | 57 |
| Efficiency ratio | 56.2125% | 5,044 |
| Assets per employee ($millions) | 5.6326% | 1,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0866% | 3,906 |
| Loan loss allowance to noncurrent loans | 519.9149% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.2226% | 4,546 |
| Noncurrent loans to loans | 0.2090% | 4,519 |
| Net loans and leases to total assets | 84.9930% | 326 |
| Net loans and leases to deposits | 95.6086% | 1,087 |
| Net loans and leases to core deposits | 121.0604% | 475 |
| Total domestic deposits to total assets | 88.8968% | 964 |
| Equity capital to assets | 10.3860% | 3,697 |
| Core capital (leverage) ratio | 10.5776% | 2,903 |
| Tier 1 risk-based capital ratio | 12.2919% | 4,616 |
| Total risk-based capital ratio | 13.4189% | 4,588 |
| Memoranda: |
| Average total assets | $1,107,040,000 | 649 |
| Average earning assets | $1,061,131,250 | 619 |
| Average equity | $105,841,000 | 754 |
| Average total loans | $932,913,750 | 543 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7725% | 934 |
| Cost of funding earning assets | 0.6155% | 1,219 |
| Net interest margin | 4.1570% | 1,209 |
| Noninterest income to average assets | 1.0980% | 931 |
| Noninterest expense to average assets | 2.9013% | 2,668 |
| Loan and lease loss provision to assets | 0.1587% | 1,434 |
| Net operating income to assets | 1.1655% | 1,718 |
| Return on assets (ROA) | 1.1664% | 1,816 |
| Pretax return on assets | 2.0281% | 540 |
| Return on Equity (ROE) | 12.5939% | 1,136 |
| Retained earnings to average equity (ytd only) | 12.5939% | 263 |
| Net charge-offs to loans | 0.0042% | 3,560 |
| Credit loss provision to net charge-offs | 4,526.3158% | 96 |
| Earnings coverage of net charge-offs (x) | 623.2105% | 99 |
| Efficiency ratio | 57.0371% | 5,021 |
| Assets per employee ($millions) | 5.4711% | 1,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0532% | 4,209 |
| Loan loss allowance to noncurrent loans | 456.7713% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.2451% | 4,513 |
| Noncurrent loans to loans | 0.2306% | 4,519 |
| Net loans and leases to total assets | 85.7379% | 267 |
| Net loans and leases to deposits | 95.3336% | 1,154 |
| Net loans and leases to core deposits | 123.4543% | 426 |
| Total domestic deposits to total assets | 89.9346% | 515 |
| Equity capital to assets | 9.3332% | 4,939 |
| Core capital (leverage) ratio | 9.5336% | 4,159 |
| Tier 1 risk-based capital ratio | 11.3900% | 5,224 |
| Total risk-based capital ratio | 12.5276% | 5,190 |
| Memoranda: |
| Average total assets | $1,083,648,670 | 662 |
| Average earning assets | $1,039,780,330 | 631 |
| Average equity | $100,366,330 | 792 |
| Average total loans | $906,704,670 | 552 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7823% | 889 |
| Cost of funding earning assets | 0.6110% | 1,264 |
| Net interest margin | 4.1713% | 1,164 |
| Noninterest income to average assets | 1.1122% | 881 |
| Noninterest expense to average assets | 2.9555% | 2,527 |
| Loan and lease loss provision to assets | 0.1840% | 1,085 |
| Net operating income to assets | 1.1399% | 1,749 |
| Return on assets (ROA) | 1.1399% | 1,869 |
| Pretax return on assets | 1.9816% | 593 |
| Return on Equity (ROE) | 12.3577% | 1,201 |
| Retained earnings to average equity (ytd only) | 12.3577% | 455 |
| Net charge-offs to loans | -0.0484% | 5,310 |
| Credit loss provision to net charge-offs | -463.2075% | 4,538 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7126% | 5,032 |
| Assets per employee ($millions) | 5.6892% | 1,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0966% | 4,071 |
| Loan loss allowance to noncurrent loans | 458.6255% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.2448% | 4,578 |
| Noncurrent loans to loans | 0.2391% | 4,573 |
| Net loans and leases to total assets | 82.0956% | 547 |
| Net loans and leases to deposits | 91.1449% | 1,450 |
| Net loans and leases to core deposits | 116.2599% | 580 |
| Total domestic deposits to total assets | 90.0716% | 573 |
| Equity capital to assets | 9.1928% | 4,992 |
| Core capital (leverage) ratio | 9.4793% | 4,232 |
| Tier 1 risk-based capital ratio | 11.6307% | 5,150 |
| Total risk-based capital ratio | 12.8044% | 5,104 |
| Memoranda: |
| Average total assets | $1,067,418,000 | 673 |
| Average earning assets | $1,025,868,500 | 642 |
| Average equity | $98,465,000 | 802 |
| Average total loans | $876,499,500 | 572 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6184% | 1,288 |
| Cost of funding earning assets | 0.6651% | 990 |
| Net interest margin | 3.9534% | 1,856 |
| Noninterest income to average assets | 1.3107% | 706 |
| Noninterest expense to average assets | 2.8598% | 2,996 |
| Loan and lease loss provision to assets | 0.0438% | 3,452 |
| Net operating income to assets | 1.2749% | 1,332 |
| Return on assets (ROA) | 1.2749% | 1,378 |
| Pretax return on assets | 2.2061% | 345 |
| Return on Equity (ROE) | 13.7538% | 899 |
| Retained earnings to average equity (ytd only) | 13.7538% | 174 |
| Net charge-offs to loans | 0.0626% | 2,974 |
| Credit loss provision to net charge-offs | 85.5711% | 2,841 |
| Earnings coverage of net charge-offs (x) | 43.9599% | 1,089 |
| Efficiency ratio | 55.9686% | 5,345 |
| Assets per employee ($millions) | 5.4869% | 1,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1060% | 4,021 |
| Loan loss allowance to noncurrent loans | 394.6037% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.2275% | 4,682 |
| Noncurrent loans to loans | 0.2803% | 4,457 |
| Net loans and leases to total assets | 80.2823% | 805 |
| Net loans and leases to deposits | 88.9470% | 1,755 |
| Net loans and leases to core deposits | 110.2093% | 841 |
| Total domestic deposits to total assets | 90.2586% | 522 |
| Equity capital to assets | 9.2572% | 4,841 |
| Core capital (leverage) ratio | 9.2493% | 4,547 |
| Tier 1 risk-based capital ratio | 12.0652% | 4,907 |
| Total risk-based capital ratio | 13.2486% | 4,851 |
| Memoranda: |
| Average total assets | $974,983,800 | 710 |
| Average earning assets | $936,919,800 | 676 |
| Average equity | $90,375,200 | 844 |
| Average total loans | $796,690,800 | 586 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6059% | 1,313 |
| Cost of funding earning assets | 0.6682% | 989 |
| Net interest margin | 3.9377% | 1,906 |
| Noninterest income to average assets | 1.3416% | 677 |
| Noninterest expense to average assets | 2.8417% | 3,034 |
| Loan and lease loss provision to assets | -0.0028% | 5,788 |
| Net operating income to assets | 1.3201% | 1,290 |
| Return on assets (ROA) | 1.3201% | 1,349 |
| Pretax return on assets | 2.2857% | 342 |
| Return on Equity (ROE) | 14.2361% | 856 |
| Retained earnings to average equity (ytd only) | 14.2361% | 197 |
| Net charge-offs to loans | 0.0362% | 3,183 |
| Credit loss provision to net charge-offs | -9.3897% | 4,845 |
| Earnings coverage of net charge-offs (x) | 77.0196% | 764 |
| Efficiency ratio | 55.4515% | 5,413 |
| Assets per employee ($millions) | 5.6223% | 1,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1336% | 4,038 |
| Loan loss allowance to noncurrent loans | 329.1234% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.2717% | 4,680 |
| Noncurrent loans to loans | 0.3444% | 4,382 |
| Net loans and leases to total assets | 77.9750% | 1,102 |
| Net loans and leases to deposits | 86.2453% | 2,117 |
| Net loans and leases to core deposits | 108.2153% | 970 |
| Total domestic deposits to total assets | 90.4108% | 417 |
| Equity capital to assets | 9.1224% | 5,193 |
| Core capital (leverage) ratio | 9.1749% | 4,770 |
| Tier 1 risk-based capital ratio | 12.1781% | 4,981 |
| Total risk-based capital ratio | 13.3896% | 4,909 |
| Memoranda: |
| Average total assets | $958,102,500 | 728 |
| Average earning assets | $920,443,750 | 692 |
| Average equity | $88,842,250 | 865 |
| Average total loans | $784,286,000 | 597 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6305% | 1,214 |
| Cost of funding earning assets | 0.6630% | 1,035 |
| Net interest margin | 3.9675% | 1,746 |
| Noninterest income to average assets | 1.3928% | 649 |
| Noninterest expense to average assets | 2.9357% | 2,765 |
| Loan and lease loss provision to assets | -0.0246% | 5,984 |
| Net operating income to assets | 1.3323% | 1,232 |
| Return on assets (ROA) | 1.3323% | 1,281 |
| Pretax return on assets | 2.2895% | 345 |
| Return on Equity (ROE) | 14.2824% | 848 |
| Retained earnings to average equity (ytd only) | 14.2824% | 224 |
| Net charge-offs to loans | 0.0152% | 3,405 |
| Credit loss provision to net charge-offs | -194.9153% | 5,033 |
| Earnings coverage of net charge-offs (x) | 179.3729% | 373 |
| Efficiency ratio | 56.4486% | 5,388 |
| Assets per employee ($millions) | 5.6075% | 1,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1602% | 4,024 |
| Loan loss allowance to noncurrent loans | 330.4069% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.2807% | 4,753 |
| Noncurrent loans to loans | 0.3511% | 4,441 |
| Net loans and leases to total assets | 79.0193% | 938 |
| Net loans and leases to deposits | 87.3265% | 1,904 |
| Net loans and leases to core deposits | 110.6994% | 796 |
| Total domestic deposits to total assets | 90.4872% | 459 |
| Equity capital to assets | 9.0500% | 5,188 |
| Core capital (leverage) ratio | 9.4974% | 4,286 |
| Tier 1 risk-based capital ratio | 11.9223% | 5,200 |
| Total risk-based capital ratio | 13.1621% | 5,111 |
| Memoranda: |
| Average total assets | $934,507,670 | 744 |
| Average earning assets | $896,884,330 | 710 |
| Average equity | $87,170,000 | 886 |
| Average total loans | $775,223,330 | 604 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6250% | 1,170 |
| Cost of funding earning assets | 0.6844% | 925 |
| Net interest margin | 3.9406% | 1,741 |
| Noninterest income to average assets | 1.3010% | 680 |
| Noninterest expense to average assets | 2.9512% | 2,732 |
| Loan and lease loss provision to assets | -0.1254% | 6,223 |
| Net operating income to assets | 1.3249% | 1,196 |
| Return on assets (ROA) | 1.3249% | 1,276 |
| Pretax return on assets | 2.2564% | 349 |
| Return on Equity (ROE) | 13.9737% | 886 |
| Retained earnings to average equity (ytd only) | 13.9737% | 363 |
| Net charge-offs to loans | -0.1215% | 5,923 |
| Credit loss provision to net charge-offs | 121.9828% | 1,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0696% | 5,327 |
| Assets per employee ($millions) | 5.2684% | 2,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2063% | 3,945 |
| Loan loss allowance to noncurrent loans | 167.3983% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.6149% | 3,645 |
| Noncurrent loans to loans | 0.7206% | 3,459 |
| Net loans and leases to total assets | 84.2930% | 291 |
| Net loans and leases to deposits | 93.6537% | 1,024 |
| Net loans and leases to core deposits | 118.0032% | 457 |
| Total domestic deposits to total assets | 90.0050% | 746 |
| Equity capital to assets | 9.5698% | 4,667 |
| Core capital (leverage) ratio | 9.5569% | 4,193 |
| Tier 1 risk-based capital ratio | 11.7858% | 5,382 |
| Total risk-based capital ratio | 13.0362% | 5,280 |
| Memoranda: |
| Average total assets | $902,693,500 | 782 |
| Average earning assets | $866,168,500 | 740 |
| Average equity | $85,589,500 | 900 |
| Average total loans | $763,846,000 | 608 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7962% | 1,124 |
| Cost of funding earning assets | 0.6473% | 1,423 |
| Net interest margin | 4.1489% | 1,436 |
| Noninterest income to average assets | 1.5038% | 540 |
| Noninterest expense to average assets | 3.0458% | 2,704 |
| Loan and lease loss provision to assets | -0.0822% | 6,112 |
| Net operating income to assets | 1.4331% | 1,017 |
| Return on assets (ROA) | 1.4320% | 1,048 |
| Pretax return on assets | 2.4879% | 192 |
| Return on Equity (ROE) | 14.5269% | 846 |
| Retained earnings to average equity (ytd only) | 5.8065% | 2,061 |
| Net charge-offs to loans | 0.2617% | 1,652 |
| Credit loss provision to net charge-offs | -37.9252% | 5,395 |
| Earnings coverage of net charge-offs (x) | 11.1139% | 2,541 |
| Efficiency ratio | 55.8525% | 5,679 |
| Assets per employee ($millions) | 5.2224% | 2,044 |
| Cash dividends to net income (ytd only)* | 60.0292% | 1,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3558% | 3,150 |
| Loan loss allowance to noncurrent loans | 155.7171% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 0.7316% | 3,381 |
| Noncurrent loans to loans | 0.8707% | 3,141 |
| Net loans and leases to total assets | 82.8843% | 443 |
| Net loans and leases to deposits | 91.9128% | 1,298 |
| Net loans and leases to core deposits | 116.2012% | 521 |
| Total domestic deposits to total assets | 90.1771% | 661 |
| Equity capital to assets | 9.3602% | 4,898 |
| Core capital (leverage) ratio | 9.5374% | 4,192 |
| Tier 1 risk-based capital ratio | 12.0484% | 5,325 |
| Total risk-based capital ratio | 13.3012% | 5,234 |
| Memoranda: |
| Average total assets | $814,343,200 | 832 |
| Average earning assets | $775,190,200 | 786 |
| Average equity | $80,271,800 | 917 |
| Average total loans | $673,939,800 | 642 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7849% | 1,131 |
| Cost of funding earning assets | 0.6408% | 1,523 |
| Net interest margin | 4.1440% | 1,449 |
| Noninterest income to average assets | 1.5974% | 501 |
| Noninterest expense to average assets | 3.0481% | 2,645 |
| Loan and lease loss provision to assets | -0.2973% | 6,457 |
| Net operating income to assets | 1.6115% | 733 |
| Return on assets (ROA) | 1.6097% | 767 |
| Pretax return on assets | 2.7789% | 143 |
| Return on Equity (ROE) | 16.1018% | 666 |
| Retained earnings to average equity (ytd only) | 4.3536% | 3,559 |
| Net charge-offs to loans | 0.1851% | 1,980 |
| Credit loss provision to net charge-offs | -194.9395% | 5,554 |
| Earnings coverage of net charge-offs (x) | 16.2904% | 1,988 |
| Efficiency ratio | 55.0933% | 5,735 |
| Assets per employee ($millions) | 5.0578% | 2,172 |
| Cash dividends to net income (ytd only)* | 72.9623% | 926 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3760% | 3,284 |
| Loan loss allowance to noncurrent loans | 298.8558% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.4528% | 4,545 |
| Noncurrent loans to loans | 0.4604% | 4,523 |
| Net loans and leases to total assets | 83.2237% | 383 |
| Net loans and leases to deposits | 92.4963% | 1,187 |
| Net loans and leases to core deposits | 120.8298% | 381 |
| Total domestic deposits to total assets | 89.9751% | 742 |
| Equity capital to assets | 9.5026% | 4,792 |
| Core capital (leverage) ratio | 9.8322% | 3,901 |
| Tier 1 risk-based capital ratio | 12.1016% | 5,425 |
| Total risk-based capital ratio | 13.3545% | 5,343 |
| Memoranda: |
| Average total assets | $794,671,500 | 856 |
| Average earning assets | $754,606,250 | 811 |
| Average equity | $79,442,500 | 928 |
| Average total loans | $654,836,000 | 661 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7819% | 1,101 |
| Cost of funding earning assets | 0.6421% | 1,574 |
| Net interest margin | 4.1398% | 1,404 |
| Noninterest income to average assets | 1.3839% | 631 |
| Noninterest expense to average assets | 3.0724% | 2,590 |
| Loan and lease loss provision to assets | -0.2837% | 6,521 |
| Net operating income to assets | 1.5225% | 834 |
| Return on assets (ROA) | 1.5197% | 872 |
| Pretax return on assets | 2.5111% | 204 |
| Return on Equity (ROE) | 14.9299% | 802 |
| Retained earnings to average equity (ytd only) | -2.8257% | 6,081 |
| Net charge-offs to loans | 0.3193% | 1,270 |
| Credit loss provision to net charge-offs | -108.8119% | 5,272 |
| Earnings coverage of net charge-offs (x) | 8.5584% | 2,475 |
| Efficiency ratio | 57.9245% | 5,562 |
| Assets per employee ($millions) | 4.9421% | 2,289 |
| Cash dividends to net income (ytd only)* | 118.9263% | 372 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5909% | 2,495 |
| Loan loss allowance to noncurrent loans | 196.4259% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 0.6634% | 3,999 |
| Noncurrent loans to loans | 0.8099% | 3,684 |
| Net loans and leases to total assets | 80.6054% | 615 |
| Net loans and leases to deposits | 89.6479% | 1,404 |
| Net loans and leases to core deposits | 115.9716% | 474 |
| Total domestic deposits to total assets | 89.9134% | 854 |
| Equity capital to assets | 9.6172% | 4,604 |
| Core capital (leverage) ratio | 10.0489% | 3,536 |
| Tier 1 risk-based capital ratio | 12.5372% | 5,207 |
| Total risk-based capital ratio | 13.7926% | 5,128 |
| Memoranda: |
| Average total assets | $774,639,000 | 876 |
| Average earning assets | $733,563,670 | 838 |
| Average equity | $78,848,330 | 927 |
| Average total loans | $632,683,000 | 678 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7332% | 1,187 |
| Cost of funding earning assets | 0.6606% | 1,507 |
| Net interest margin | 4.0726% | 1,537 |
| Noninterest income to average assets | 1.1634% | 821 |
| Noninterest expense to average assets | 3.0006% | 2,857 |
| Loan and lease loss provision to assets | -0.2034% | 6,567 |
| Net operating income to assets | 1.3393% | 1,124 |
| Return on assets (ROA) | 1.3335% | 1,181 |
| Pretax return on assets | 2.2061% | 348 |
| Return on Equity (ROE) | 12.7287% | 1,228 |
| Retained earnings to average equity (ytd only) | 12.7287% | 521 |
| Net charge-offs to loans | 0.2229% | 1,430 |
| Credit loss provision to net charge-offs | -111.8841% | 4,857 |
| Earnings coverage of net charge-offs (x) | 11.0667% | 1,807 |
| Efficiency ratio | 59.8654% | 5,427 |
| Assets per employee ($millions) | 4.7953% | 2,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8797% | 1,811 |
| Loan loss allowance to noncurrent loans | 151.1584% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 1.1838% | 2,890 |
| Noncurrent loans to loans | 1.2435% | 2,966 |
| Net loans and leases to total assets | 81.3006% | 421 |
| Net loans and leases to deposits | 91.3351% | 1,003 |
| Net loans and leases to core deposits | 118.1282% | 358 |
| Total domestic deposits to total assets | 89.0135% | 1,651 |
| Equity capital to assets | 10.6142% | 3,122 |
| Core capital (leverage) ratio | 10.7874% | 2,614 |
| Tier 1 risk-based capital ratio | 13.7133% | 4,529 |
| Total risk-based capital ratio | 14.9726% | 4,478 |
| Memoranda: |
| Average total assets | $759,178,500 | 898 |
| Average earning assets | $717,478,500 | 865 |
| Average equity | $79,536,500 | 922 |
| Average total loans | $619,113,500 | 694 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8222% | 1,269 |
| Cost of funding earning assets | 0.6727% | 2,020 |
| Net interest margin | 4.1495% | 1,501 |
| Noninterest income to average assets | 1.6343% | 536 |
| Noninterest expense to average assets | 3.1138% | 2,690 |
| Loan and lease loss provision to assets | 0.1030% | 3,078 |
| Net operating income to assets | 3.1395% | 100 |
| Return on assets (ROA) | 3.1389% | 98 |
| Pretax return on assets | 2.3481% | 245 |
| Return on Equity (ROE) | 28.1495% | 88 |
| Retained earnings to average equity (ytd only) | 12.4659% | 276 |
| Net charge-offs to loans | 0.4923% | 1,349 |
| Credit loss provision to net charge-offs | 25.5419% | 4,337 |
| Earnings coverage of net charge-offs (x) | 6.0777% | 3,132 |
| Efficiency ratio | 55.9480% | 5,954 |
| Assets per employee ($millions) | 4.7842% | 2,470 |
| Cash dividends to net income (ytd only)* | 55.7155% | 1,982 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0786% | 1,372 |
| Loan loss allowance to noncurrent loans | 142.2960% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 1.2898% | 2,844 |
| Noncurrent loans to loans | 1.4607% | 2,703 |
| Net loans and leases to total assets | 78.5639% | 760 |
| Net loans and leases to deposits | 88.0635% | 1,454 |
| Net loans and leases to core deposits | 113.5367% | 479 |
| Total domestic deposits to total assets | 89.2127% | 1,479 |
| Equity capital to assets | 10.3379% | 3,355 |
| Core capital (leverage) ratio | 10.6074% | 2,774 |
| Tier 1 risk-based capital ratio | 13.5460% | 4,621 |
| Total risk-based capital ratio | 14.8076% | 4,558 |
| Memoranda: |
| Average total assets | $686,168,200 | 968 |
| Average earning assets | $650,071,600 | 931 |
| Average equity | $76,513,000 | 930 |
| Average total loans | $562,305,000 | 747 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7883% | 1,381 |
| Cost of funding earning assets | 0.6740% | 2,147 |
| Net interest margin | 4.1143% | 1,590 |
| Noninterest income to average assets | 1.5739% | 591 |
| Noninterest expense to average assets | 3.0967% | 2,663 |
| Loan and lease loss provision to assets | 0.2791% | 1,250 |
| Net operating income to assets | 3.6851% | 72 |
| Return on assets (ROA) | 3.6843% | 69 |
| Pretax return on assets | 2.1016% | 466 |
| Return on Equity (ROE) | 32.3738% | 56 |
| Retained earnings to average equity (ytd only) | 32.3738% | 26 |
| Net charge-offs to loans | 0.3306% | 1,890 |
| Credit loss provision to net charge-offs | 102.4140% | 2,288 |
| Earnings coverage of net charge-offs (x) | 8.7381% | 2,582 |
| Efficiency ratio | 56.5273% | 5,847 |
| Assets per employee ($millions) | 4.8075% | 2,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4601% | 977 |
| Loan loss allowance to noncurrent loans | 153.1729% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 1.3250% | 2,990 |
| Noncurrent loans to loans | 1.6061% | 2,764 |
| Net loans and leases to total assets | 79.7610% | 577 |
| Net loans and leases to deposits | 91.0240% | 1,064 |
| Net loans and leases to core deposits | 113.5929% | 462 |
| Total domestic deposits to total assets | 87.6264% | 2,344 |
| Equity capital to assets | 11.9186% | 1,972 |
| Core capital (leverage) ratio | 12.6586% | 1,345 |
| Tier 1 risk-based capital ratio | 15.2479% | 3,594 |
| Total risk-based capital ratio | 16.5144% | 3,539 |
| Memoranda: |
| Average total assets | $668,732,750 | 999 |
| Average earning assets | $634,612,250 | 960 |
| Average equity | $76,105,000 | 948 |
| Average total loans | $551,261,750 | 763 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7823% | 1,369 |
| Cost of funding earning assets | 0.6866% | 2,164 |
| Net interest margin | 4.0957% | 1,553 |
| Noninterest income to average assets | 1.6289% | 604 |
| Noninterest expense to average assets | 3.1407% | 2,551 |
| Loan and lease loss provision to assets | 0.3481% | 958 |
| Net operating income to assets | 2.0414% | 336 |
| Return on assets (ROA) | 2.0396% | 355 |
| Pretax return on assets | 2.0501% | 544 |
| Return on Equity (ROE) | 18.2463% | 447 |
| Retained earnings to average equity (ytd only) | 18.2463% | 121 |
| Net charge-offs to loans | 0.0422% | 4,088 |
| Credit loss provision to net charge-offs | 998.2301% | 313 |
| Earnings coverage of net charge-offs (x) | 68.8230% | 646 |
| Efficiency ratio | 56.6837% | 5,878 |
| Assets per employee ($millions) | 4.6316% | 2,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7612% | 742 |
| Loan loss allowance to noncurrent loans | 204.5389% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 1.1386% | 3,466 |
| Noncurrent loans to loans | 1.3500% | 3,298 |
| Net loans and leases to total assets | 81.1129% | 426 |
| Net loans and leases to deposits | 91.5437% | 1,009 |
| Net loans and leases to core deposits | 110.5588% | 542 |
| Total domestic deposits to total assets | 88.6057% | 1,846 |
| Equity capital to assets | 11.0033% | 2,745 |
| Core capital (leverage) ratio | 11.4082% | 2,014 |
| Tier 1 risk-based capital ratio | 14.1900% | 4,301 |
| Total risk-based capital ratio | 15.4609% | 4,240 |
| Memoranda: |
| Average total assets | $648,064,000 | 1,038 |
| Average earning assets | $618,988,330 | 994 |
| Average equity | $72,442,000 | 993 |
| Average total loans | $535,834,000 | 780 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8270% | 1,236 |
| Cost of funding earning assets | 0.6953% | 2,260 |
| Net interest margin | 4.1317% | 1,371 |
| Noninterest income to average assets | 1.5502% | 641 |
| Noninterest expense to average assets | 3.0699% | 2,770 |
| Loan and lease loss provision to assets | 0.3622% | 894 |
| Net operating income to assets | 2.0726% | 305 |
| Return on assets (ROA) | 2.0764% | 332 |
| Pretax return on assets | 2.0764% | 517 |
| Return on Equity (ROE) | 18.4199% | 406 |
| Retained earnings to average equity (ytd only) | 18.4199% | 184 |
| Net charge-offs to loans | -0.0593% | 6,210 |
| Credit loss provision to net charge-offs | -742.8571% | 5,573 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7690% | 6,080 |
| Assets per employee ($millions) | 4.5630% | 2,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8681% | 758 |
| Loan loss allowance to noncurrent loans | 211.5762% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 1.1224% | 3,693 |
| Noncurrent loans to loans | 1.3556% | 3,534 |
| Net loans and leases to total assets | 79.4932% | 472 |
| Net loans and leases to deposits | 89.7913% | 989 |
| Net loans and leases to core deposits | 107.1424% | 595 |
| Total domestic deposits to total assets | 88.5311% | 1,982 |
| Equity capital to assets | 11.1500% | 2,796 |
| Core capital (leverage) ratio | 11.5255% | 1,865 |
| Tier 1 risk-based capital ratio | 14.4902% | 4,182 |
| Total risk-based capital ratio | 15.7633% | 4,131 |
| Memoranda: |
| Average total assets | $631,675,500 | 1,079 |
| Average earning assets | $604,593,000 | 1,031 |
| Average equity | $71,205,500 | 1,022 |
| Average total loans | $519,785,000 | 809 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8461% | 2,036 |
| Cost of funding earning assets | 0.7809% | 2,824 |
| Net interest margin | 4.0652% | 2,132 |
| Noninterest income to average assets | 1.8388% | 494 |
| Noninterest expense to average assets | 3.0804% | 2,982 |
| Loan and lease loss provision to assets | 1.2032% | 301 |
| Net operating income to assets | 1.3902% | 1,116 |
| Return on assets (ROA) | 1.3902% | 1,228 |
| Pretax return on assets | 1.4372% | 1,911 |
| Return on Equity (ROE) | 12.4787% | 1,366 |
| Retained earnings to average equity (ytd only) | 12.4787% | 286 |
| Net charge-offs to loans | 1.6410% | 514 |
| Credit loss provision to net charge-offs | 91.7033% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.0124% | 4,406 |
| Efficiency ratio | 53.8457% | 6,283 |
| Assets per employee ($millions) | 4.3631% | 3,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9012% | 733 |
| Loan loss allowance to noncurrent loans | 170.3880% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 1.4349% | 3,243 |
| Noncurrent loans to loans | 1.7027% | 3,066 |
| Net loans and leases to total assets | 80.3623% | 437 |
| Net loans and leases to deposits | 91.0751% | 976 |
| Net loans and leases to core deposits | 108.4673% | 592 |
| Total domestic deposits to total assets | 88.2373% | 2,073 |
| Equity capital to assets | 11.4033% | 2,535 |
| Core capital (leverage) ratio | 11.3161% | 2,004 |
| Tier 1 risk-based capital ratio | 14.6237% | 3,948 |
| Total risk-based capital ratio | 15.8965% | 3,898 |
| Memoranda: |
| Average total assets | $588,853,000 | 1,126 |
| Average earning assets | $562,311,800 | 1,079 |
| Average equity | $65,599,600 | 1,077 |
| Average total loans | $470,821,600 | 868 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8983% | 2,009 |
| Cost of funding earning assets | 0.7987% | 2,951 |
| Net interest margin | 4.0996% | 2,085 |
| Noninterest income to average assets | 1.7923% | 497 |
| Noninterest expense to average assets | 2.9943% | 3,253 |
| Loan and lease loss provision to assets | 1.2587% | 285 |
| Net operating income to assets | 1.4529% | 1,122 |
| Return on assets (ROA) | 1.4529% | 1,248 |
| Pretax return on assets | 1.4529% | 2,066 |
| Return on Equity (ROE) | 13.1234% | 1,310 |
| Retained earnings to average equity (ytd only) | 13.1234% | 383 |
| Net charge-offs to loans | 1.8421% | 420 |
| Credit loss provision to net charge-offs | 86.2490% | 3,425 |
| Earnings coverage of net charge-offs (x) | 1.8581% | 4,332 |
| Efficiency ratio | 52.4775% | 6,408 |
| Assets per employee ($millions) | 4.3990% | 3,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9274% | 779 |
| Loan loss allowance to noncurrent loans | 124.6868% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 2.1327% | 2,513 |
| Noncurrent loans to loans | 2.3478% | 2,455 |
| Net loans and leases to total assets | 78.8220% | 630 |
| Net loans and leases to deposits | 89.1179% | 1,244 |
| Net loans and leases to core deposits | 105.8055% | 750 |
| Total domestic deposits to total assets | 88.4468% | 1,755 |
| Equity capital to assets | 11.1787% | 3,060 |
| Core capital (leverage) ratio | 11.5331% | 1,961 |
| Tier 1 risk-based capital ratio | 14.4223% | 4,238 |
| Total risk-based capital ratio | 15.6951% | 4,193 |
| Memoranda: |
| Average total assets | $583,356,250 | 1,151 |
| Average earning assets | $556,882,500 | 1,098 |
| Average equity | $64,585,500 | 1,106 |
| Average total loans | $462,139,000 | 892 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8938% | 2,134 |
| Cost of funding earning assets | 0.8310% | 2,939 |
| Net interest margin | 4.0628% | 2,238 |
| Noninterest income to average assets | 1.6665% | 537 |
| Noninterest expense to average assets | 3.0352% | 3,138 |
| Loan and lease loss provision to assets | 0.8682% | 553 |
| Net operating income to assets | 1.6425% | 770 |
| Return on assets (ROA) | 1.6425% | 858 |
| Pretax return on assets | 1.6425% | 1,420 |
| Return on Equity (ROE) | 14.8866% | 953 |
| Retained earnings to average equity (ytd only) | 14.8866% | 288 |
| Net charge-offs to loans | 1.2264% | 880 |
| Credit loss provision to net charge-offs | 90.1480% | 3,045 |
| Earnings coverage of net charge-offs (x) | 2.6070% | 3,702 |
| Efficiency ratio | 54.7283% | 6,250 |
| Assets per employee ($millions) | 4.5403% | 2,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2590% | 615 |
| Loan loss allowance to noncurrent loans | 175.5810% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 1.5396% | 3,393 |
| Noncurrent loans to loans | 1.8562% | 3,138 |
| Net loans and leases to total assets | 75.0356% | 1,095 |
| Net loans and leases to deposits | 84.7857% | 1,748 |
| Net loans and leases to core deposits | 100.9409% | 1,044 |
| Total domestic deposits to total assets | 88.5003% | 1,816 |
| Equity capital to assets | 11.1219% | 2,991 |
| Core capital (leverage) ratio | 11.3321% | 2,021 |
| Tier 1 risk-based capital ratio | 15.2479% | 3,603 |
| Total risk-based capital ratio | 16.5255% | 3,551 |
| Memoranda: |
| Average total assets | $575,454,000 | 1,170 |
| Average earning assets | $549,472,000 | 1,108 |
| Average equity | $63,493,330 | 1,119 |
| Average total loans | $451,875,670 | 917 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8411% | 2,483 |
| Cost of funding earning assets | 0.8150% | 3,351 |
| Net interest margin | 4.0261% | 2,393 |
| Noninterest income to average assets | 1.1736% | 1,038 |
| Noninterest expense to average assets | 2.9799% | 3,333 |
| Loan and lease loss provision to assets | 0.7282% | 703 |
| Net operating income to assets | 1.3037% | 1,451 |
| Return on assets (ROA) | 1.3037% | 1,619 |
| Pretax return on assets | 1.3037% | 2,525 |
| Return on Equity (ROE) | 11.8653% | 1,709 |
| Retained earnings to average equity (ytd only) | 11.8653% | 837 |
| Net charge-offs to loans | 1.2846% | 795 |
| Credit loss provision to net charge-offs | 71.7270% | 2,873 |
| Earnings coverage of net charge-offs (x) | 2.0014% | 3,342 |
| Efficiency ratio | 59.4583% | 5,701 |
| Assets per employee ($millions) | 4.5745% | 2,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2533% | 647 |
| Loan loss allowance to noncurrent loans | 149.3935% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 1.8732% | 3,086 |
| Noncurrent loans to loans | 2.1777% | 2,937 |
| Net loans and leases to total assets | 75.6830% | 837 |
| Net loans and leases to deposits | 86.8498% | 1,311 |
| Net loans and leases to core deposits | 100.4673% | 962 |
| Total domestic deposits to total assets | 87.1424% | 2,866 |
| Equity capital to assets | 10.7797% | 3,174 |
| Core capital (leverage) ratio | 11.1703% | 2,132 |
| Tier 1 risk-based capital ratio | 14.7837% | 3,902 |
| Total risk-based capital ratio | 16.0617% | 3,842 |
| Memoranda: |
| Average total assets | $565,791,500 | 1,194 |
| Average earning assets | $539,383,500 | 1,131 |
| Average equity | $62,164,500 | 1,140 |
| Average total loans | $447,148,000 | 928 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0677% | 2,577 |
| Cost of funding earning assets | 0.9652% | 3,610 |
| Net interest margin | 4.1024% | 2,419 |
| Noninterest income to average assets | 1.8226% | 435 |
| Noninterest expense to average assets | 3.3900% | 2,268 |
| Loan and lease loss provision to assets | 2.1084% | 261 |
| Net operating income to assets | 0.2101% | 5,562 |
| Return on assets (ROA) | 0.2101% | 5,697 |
| Pretax return on assets | 0.2056% | 5,769 |
| Return on Equity (ROE) | 1.9173% | 5,693 |
| Retained earnings to average equity (ytd only) | 1.9173% | 4,842 |
| Net charge-offs to loans | 2.5899% | 432 |
| Credit loss provision to net charge-offs | 98.4852% | 3,648 |
| Earnings coverage of net charge-offs (x) | 1.0809% | 4,975 |
| Efficiency ratio | 59.4315% | 5,838 |
| Assets per employee ($millions) | 4.4758% | 2,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5091% | 532 |
| Loan loss allowance to noncurrent loans | 138.9489% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 2.2621% | 2,659 |
| Noncurrent loans to loans | 2.5254% | 2,607 |
| Net loans and leases to total assets | 77.0877% | 814 |
| Net loans and leases to deposits | 87.2708% | 1,477 |
| Net loans and leases to core deposits | 101.7764% | 1,047 |
| Total domestic deposits to total assets | 88.3316% | 1,952 |
| Equity capital to assets | 11.2097% | 2,783 |
| Core capital (leverage) ratio | 11.1373% | 2,165 |
| Tier 1 risk-based capital ratio | 14.8944% | 3,703 |
| Total risk-based capital ratio | 16.1752% | 3,651 |
| Memoranda: |
| Average total assets | $533,478,600 | 1,251 |
| Average earning assets | $504,749,800 | 1,198 |
| Average equity | $58,468,200 | 1,165 |
| Average total loans | $440,988,800 | 947 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1087% | 2,568 |
| Cost of funding earning assets | 0.9995% | 3,679 |
| Net interest margin | 4.1092% | 2,435 |
| Noninterest income to average assets | 1.9253% | 405 |
| Noninterest expense to average assets | 3.4106% | 2,163 |
| Loan and lease loss provision to assets | 2.2918% | 210 |
| Net operating income to assets | 0.1089% | 5,941 |
| Return on assets (ROA) | 0.1089% | 6,060 |
| Pretax return on assets | 0.1028% | 6,087 |
| Return on Equity (ROE) | 0.9991% | 6,066 |
| Retained earnings to average equity (ytd only) | 0.9991% | 5,609 |
| Net charge-offs to loans | 2.4071% | 465 |
| Credit loss provision to net charge-offs | 114.1927% | 2,863 |
| Earnings coverage of net charge-offs (x) | 1.1932% | 4,731 |
| Efficiency ratio | 58.7502% | 5,898 |
| Assets per employee ($millions) | 4.2784% | 3,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.8555% | 438 |
| Loan loss allowance to noncurrent loans | 136.0131% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 3.2846% | 1,931 |
| Noncurrent loans to loans | 2.8347% | 2,457 |
| Net loans and leases to total assets | 76.2479% | 942 |
| Net loans and leases to deposits | 86.2940% | 1,646 |
| Net loans and leases to core deposits | 100.2686% | 1,223 |
| Total domestic deposits to total assets | 88.3582% | 1,833 |
| Equity capital to assets | 11.1359% | 3,013 |
| Core capital (leverage) ratio | 11.5274% | 2,008 |
| Tier 1 risk-based capital ratio | 14.8832% | 3,730 |
| Total risk-based capital ratio | 16.1686% | 3,681 |
| Memoranda: |
| Average total assets | $530,336,500 | 1,264 |
| Average earning assets | $500,752,000 | 1,214 |
| Average equity | $57,782,750 | 1,178 |
| Average total loans | $442,175,250 | 956 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1193% | 2,593 |
| Cost of funding earning assets | 1.0491% | 3,607 |
| Net interest margin | 4.0703% | 2,534 |
| Noninterest income to average assets | 2.2867% | 302 |
| Noninterest expense to average assets | 3.2955% | 2,586 |
| Loan and lease loss provision to assets | 3.1670% | 135 |
| Net operating income to assets | -0.3331% | 6,572 |
| Return on assets (ROA) | -0.3331% | 6,602 |
| Pretax return on assets | -0.3327% | 6,551 |
| Return on Equity (ROE) | -3.0805% | 6,595 |
| Retained earnings to average equity (ytd only) | -3.0805% | 6,381 |
| Net charge-offs to loans | 2.5345% | 460 |
| Credit loss provision to net charge-offs | 147.3898% | 2,075 |
| Earnings coverage of net charge-offs (x) | 1.3191% | 4,293 |
| Efficiency ratio | 53.7622% | 6,642 |
| Assets per employee ($millions) | 3.9529% | 3,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.1680% | 367 |
| Loan loss allowance to noncurrent loans | 133.0037% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 3.6131% | 1,817 |
| Noncurrent loans to loans | 3.1337% | 2,296 |
| Net loans and leases to total assets | 81.2484% | 427 |
| Net loans and leases to deposits | 92.2425% | 1,029 |
| Net loans and leases to core deposits | 105.2547% | 969 |
| Total domestic deposits to total assets | 88.0813% | 2,093 |
| Equity capital to assets | 11.5064% | 2,495 |
| Core capital (leverage) ratio | 11.3293% | 2,030 |
| Tier 1 risk-based capital ratio | 14.2558% | 3,977 |
| Total risk-based capital ratio | 15.5448% | 3,918 |
| Memoranda: |
| Average total assets | $525,994,670 | 1,280 |
| Average earning assets | $496,625,670 | 1,227 |
| Average equity | $56,874,330 | 1,178 |
| Average total loans | $445,928,330 | 966 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0556% | 2,825 |
| Cost of funding earning assets | 1.1235% | 3,346 |
| Net interest margin | 3.9320% | 2,990 |
| Noninterest income to average assets | 2.0502% | 346 |
| Noninterest expense to average assets | 3.2275% | 2,790 |
| Loan and lease loss provision to assets | 5.2875% | 57 |
| Net operating income to assets | -2.7531% | 7,373 |
| Return on assets (ROA) | -2.7531% | 7,374 |
| Pretax return on assets | -2.7524% | 7,354 |
| Return on Equity (ROE) | -26.2759% | 7,293 |
| Retained earnings to average equity (ytd only) | -26.2759% | 7,257 |
| Net charge-offs to loans | 2.6055% | 422 |
| Credit loss provision to net charge-offs | 239.3805% | 1,294 |
| Earnings coverage of net charge-offs (x) | 1.1477% | 3,801 |
| Efficiency ratio | 56.0078% | 6,509 |
| Assets per employee ($millions) | 4.1096% | 3,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.3475% | 332 |
| Loan loss allowance to noncurrent loans | 110.2066% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 4.6007% | 1,404 |
| Noncurrent loans to loans | 3.9449% | 1,855 |
| Net loans and leases to total assets | 81.8775% | 353 |
| Net loans and leases to deposits | 94.2924% | 799 |
| Net loans and leases to core deposits | 109.9041% | 732 |
| Total domestic deposits to total assets | 86.8337% | 3,031 |
| Equity capital to assets | 10.4689% | 3,211 |
| Core capital (leverage) ratio | 10.2809% | 2,825 |
| Tier 1 risk-based capital ratio | 12.8567% | 4,939 |
| Total risk-based capital ratio | 14.1479% | 4,889 |
| Memoranda: |
| Average total assets | $532,051,500 | 1,271 |
| Average earning assets | $502,338,500 | 1,225 |
| Average equity | $55,747,000 | 1,185 |
| Average total loans | $451,053,000 | 970 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3724% | 2,799 |
| Cost of funding earning assets | 1.4500% | 2,952 |
| Net interest margin | 3.9225% | 3,387 |
| Noninterest income to average assets | 1.1619% | 1,093 |
| Noninterest expense to average assets | 2.8634% | 4,366 |
| Loan and lease loss provision to assets | 4.4242% | 120 |
| Net operating income to assets | -3.1433% | 7,324 |
| Return on assets (ROA) | -3.1433% | 7,341 |
| Pretax return on assets | -2.4024% | 7,135 |
| Return on Equity (ROE) | -31.9308% | 7,257 |
| Retained earnings to average equity (ytd only) | -31.9308% | 7,246 |
| Net charge-offs to loans | 5.4823% | 132 |
| Credit loss provision to net charge-offs | 91.9953% | 5,045 |
| Earnings coverage of net charge-offs (x) | 0.4204% | 5,689 |
| Efficiency ratio | 58.6145% | 6,261 |
| Assets per employee ($millions) | 4.4104% | 3,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4263% | 620 |
| Loan loss allowance to noncurrent loans | 61.0137% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 5.5394% | 1,113 |
| Noncurrent loans to loans | 5.6156% | 1,160 |
| Net loans and leases to total assets | 81.0947% | 533 |
| Net loans and leases to deposits | 92.7715% | 1,164 |
| Net loans and leases to core deposits | 109.1162% | 979 |
| Total domestic deposits to total assets | 87.4134% | 2,604 |
| Equity capital to assets | 10.4863% | 3,171 |
| Core capital (leverage) ratio | 10.3268% | 2,742 |
| Tier 1 risk-based capital ratio | 13.0381% | 4,576 |
| Total risk-based capital ratio | 14.3171% | 4,507 |
| Memoranda: |
| Average total assets | $543,695,400 | 1,235 |
| Average earning assets | $516,079,400 | 1,193 |
| Average equity | $53,522,000 | 1,250 |
| Average total loans | $476,931,400 | 942 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4665% | 2,573 |
| Cost of funding earning assets | 1.4973% | 2,997 |
| Net interest margin | 3.9692% | 3,239 |
| Noninterest income to average assets | 0.9696% | 1,555 |
| Noninterest expense to average assets | 2.8009% | 4,486 |
| Loan and lease loss provision to assets | 4.2181% | 136 |
| Net operating income to assets | -3.2879% | 7,487 |
| Return on assets (ROA) | -3.2879% | 7,501 |
| Pretax return on assets | -2.2887% | 7,271 |
| Return on Equity (ROE) | -33.9458% | 7,439 |
| Retained earnings to average equity (ytd only) | -33.9458% | 7,435 |
| Net charge-offs to loans | 5.1631% | 163 |
| Credit loss provision to net charge-offs | 92.1601% | 4,684 |
| Earnings coverage of net charge-offs (x) | 0.4215% | 5,601 |
| Efficiency ratio | 59.2120% | 6,079 |
| Assets per employee ($millions) | 4.5971% | 2,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3856% | 585 |
| Loan loss allowance to noncurrent loans | 87.6238% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 3.4349% | 2,070 |
| Noncurrent loans to loans | 3.8637% | 1,972 |
| Net loans and leases to total assets | 85.4595% | 240 |
| Net loans and leases to deposits | 96.3835% | 936 |
| Net loans and leases to core deposits | 110.3885% | 1,015 |
| Total domestic deposits to total assets | 88.6661% | 1,585 |
| Equity capital to assets | 8.2810% | 6,530 |
| Core capital (leverage) ratio | 8.1335% | 6,144 |
| Tier 1 risk-based capital ratio | 9.8317% | 7,146 |
| Total risk-based capital ratio | 11.1105% | 7,128 |
| Memoranda: |
| Average total assets | $545,101,500 | 1,240 |
| Average earning assets | $516,462,750 | 1,201 |
| Average equity | $52,796,500 | 1,271 |
| Average total loans | $483,207,250 | 936 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4497% | 2,753 |
| Cost of funding earning assets | 1.5217% | 3,121 |
| Net interest margin | 3.9280% | 3,326 |
| Noninterest income to average assets | 0.5852% | 3,447 |
| Noninterest expense to average assets | 2.7451% | 4,715 |
| Loan and lease loss provision to assets | 2.8518% | 360 |
| Net operating income to assets | -1.3026% | 7,067 |
| Return on assets (ROA) | -1.3026% | 7,084 |
| Pretax return on assets | -1.3022% | 7,012 |
| Return on Equity (ROE) | -12.8392% | 7,065 |
| Retained earnings to average equity (ytd only) | -12.8392% | 7,026 |
| Net charge-offs to loans | 3.6867% | 379 |
| Credit loss provision to net charge-offs | 87.1998% | 4,514 |
| Earnings coverage of net charge-offs (x) | 0.4738% | 5,242 |
| Efficiency ratio | 63.9194% | 5,354 |
| Assets per employee ($millions) | 4.8787% | 2,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3484% | 615 |
| Loan loss allowance to noncurrent loans | 110.3587% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 2.9261% | 2,457 |
| Noncurrent loans to loans | 3.0341% | 2,656 |
| Net loans and leases to total assets | 87.5638% | 150 |
| Net loans and leases to deposits | 101.5614% | 618 |
| Net loans and leases to core deposits | 114.7358% | 889 |
| Total domestic deposits to total assets | 86.2177% | 2,961 |
| Equity capital to assets | 10.0382% | 3,974 |
| Core capital (leverage) ratio | 9.4419% | 3,908 |
| Tier 1 risk-based capital ratio | 11.0332% | 6,204 |
| Total risk-based capital ratio | 12.3111% | 6,161 |
| Memoranda: |
| Average total assets | $547,516,670 | 1,242 |
| Average earning assets | $517,055,000 | 1,199 |
| Average equity | $55,548,670 | 1,187 |
| Average total loans | $485,691,000 | 939 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3306% | 3,391 |
| Cost of funding earning assets | 1.5552% | 3,232 |
| Net interest margin | 3.7755% | 3,892 |
| Noninterest income to average assets | 0.7113% | 2,523 |
| Noninterest expense to average assets | 2.7211% | 4,810 |
| Loan and lease loss provision to assets | 1.1153% | 1,098 |
| Net operating income to assets | 0.2514% | 5,486 |
| Return on assets (ROA) | 0.2514% | 5,610 |
| Pretax return on assets | 0.4345% | 5,181 |
| Return on Equity (ROE) | 2.4651% | 5,572 |
| Retained earnings to average equity (ytd only) | 2.4651% | 4,655 |
| Net charge-offs to loans | 3.1397% | 480 |
| Credit loss provision to net charge-offs | 40.4693% | 4,634 |
| Earnings coverage of net charge-offs (x) | 0.5624% | 4,529 |
| Efficiency ratio | 63.7121% | 5,544 |
| Assets per employee ($millions) | 5.2718% | 1,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1780% | 705 |
| Loan loss allowance to noncurrent loans | 132.9398% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 2.3289% | 3,116 |
| Noncurrent loans to loans | 2.3906% | 3,285 |
| Net loans and leases to total assets | 82.7221% | 506 |
| Net loans and leases to deposits | 94.5210% | 1,289 |
| Net loans and leases to core deposits | 109.1609% | 1,340 |
| Total domestic deposits to total assets | 87.5172% | 2,350 |
| Equity capital to assets | 10.1971% | 3,615 |
| Core capital (leverage) ratio | 9.9118% | 3,273 |
| Tier 1 risk-based capital ratio | 11.5099% | 5,663 |
| Total risk-based capital ratio | 12.7847% | 5,618 |
| Memoranda: |
| Average total assets | $550,508,000 | 1,268 |
| Average earning assets | $519,036,500 | 1,221 |
| Average equity | $56,143,000 | 1,182 |
| Average total loans | $483,228,500 | 974 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6571% | 3,316 |
| Cost of funding earning assets | 2.3753% | 1,379 |
| Net interest margin | 3.2817% | 5,810 |
| Noninterest income to average assets | 0.8650% | 2,110 |
| Noninterest expense to average assets | 2.6504% | 5,593 |
| Loan and lease loss provision to assets | 4.7985% | 219 |
| Net operating income to assets | -2.8070% | 7,354 |
| Return on assets (ROA) | -2.8070% | 7,361 |
| Pretax return on assets | -3.4747% | 7,418 |
| Return on Equity (ROE) | -25.8926% | 7,312 |
| Retained earnings to average equity (ytd only) | -27.9596% | 7,343 |
| Net charge-offs to loans | 3.4908% | 555 |
| Credit loss provision to net charge-offs | 150.5505% | 3,075 |
| Earnings coverage of net charge-offs (x) | 0.4154% | 5,691 |
| Efficiency ratio | 66.6891% | 5,251 |
| Assets per employee ($millions) | 5.0181% | 2,194 |
| Cash dividends to net income (ytd only)* | -7.9832% | 7,583 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6271% | 480 |
| Loan loss allowance to noncurrent loans | 176.9967% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 2.1502% | 3,203 |
| Noncurrent loans to loans | 2.0492% | 3,589 |
| Net loans and leases to total assets | 86.9653% | 223 |
| Net loans and leases to deposits | 97.4382% | 1,162 |
| Net loans and leases to core deposits | 140.3144% | 800 |
| Total domestic deposits to total assets | 89.2518% | 1,358 |
| Equity capital to assets | 10.1997% | 3,513 |
| Core capital (leverage) ratio | 9.6610% | 3,508 |
| Tier 1 risk-based capital ratio | 10.7217% | 6,183 |
| Total risk-based capital ratio | 12.0016% | 6,127 |
| Memoranda: |
| Average total assets | $561,378,600 | 1,236 |
| Average earning assets | $531,884,800 | 1,195 |
| Average equity | $60,859,200 | 1,091 |
| Average total loans | $512,582,800 | 933 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6341% | 3,672 |
| Cost of funding earning assets | 2.5452% | 1,165 |
| Net interest margin | 3.0889% | 6,341 |
| Noninterest income to average assets | 0.7370% | 2,781 |
| Noninterest expense to average assets | 2.6441% | 5,545 |
| Loan and lease loss provision to assets | 4.7255% | 197 |
| Net operating income to assets | -2.8210% | 7,548 |
| Return on assets (ROA) | -2.8210% | 7,550 |
| Pretax return on assets | -3.7016% | 7,639 |
| Return on Equity (ROE) | -25.6625% | 7,517 |
| Retained earnings to average equity (ytd only) | -28.3513% | 7,558 |
| Net charge-offs to loans | 3.2799% | 485 |
| Credit loss provision to net charge-offs | 157.3541% | 3,030 |
| Earnings coverage of net charge-offs (x) | 0.3409% | 5,684 |
| Efficiency ratio | 72.0856% | 4,228 |
| Assets per employee ($millions) | 5.1788% | 1,923 |
| Cash dividends to net income (ytd only)* | -10.4772% | 7,767 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1759% | 575 |
| Loan loss allowance to noncurrent loans | 157.4037% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 2.1840% | 3,117 |
| Noncurrent loans to loans | 2.0177% | 3,616 |
| Net loans and leases to total assets | 90.6458% | 90 |
| Net loans and leases to deposits | 102.1694% | 910 |
| Net loans and leases to core deposits | 145.7082% | 703 |
| Total domestic deposits to total assets | 88.7210% | 1,330 |
| Equity capital to assets | 10.6026% | 3,398 |
| Core capital (leverage) ratio | 9.7380% | 3,589 |
| Tier 1 risk-based capital ratio | 10.7359% | 6,220 |
| Total risk-based capital ratio | 12.0098% | 6,162 |
| Memoranda: |
| Average total assets | $567,489,250 | 1,232 |
| Average earning assets | $538,473,250 | 1,187 |
| Average equity | $62,382,500 | 1,073 |
| Average total loans | $519,598,000 | 933 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5380% | 4,396 |
| Cost of funding earning assets | 2.6594% | 1,141 |
| Net interest margin | 2.8785% | 6,849 |
| Noninterest income to average assets | 0.5528% | 4,016 |
| Noninterest expense to average assets | 2.6328% | 5,610 |
| Loan and lease loss provision to assets | 3.8045% | 342 |
| Net operating income to assets | -1.8523% | 7,384 |
| Return on assets (ROA) | -1.8523% | 7,381 |
| Pretax return on assets | -3.1473% | 7,604 |
| Return on Equity (ROE) | -16.6686% | 7,407 |
| Retained earnings to average equity (ytd only) | -18.4035% | 7,403 |
| Net charge-offs to loans | 2.7910% | 592 |
| Credit loss provision to net charge-offs | 149.9115% | 3,084 |
| Earnings coverage of net charge-offs (x) | 0.2590% | 5,412 |
| Efficiency ratio | 80.0252% | 3,038 |
| Assets per employee ($millions) | 5.5246% | 1,562 |
| Cash dividends to net income (ytd only)* | -10.4085% | 7,872 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3953% | 999 |
| Loan loss allowance to noncurrent loans | 85.9347% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 2.4824% | 2,601 |
| Noncurrent loans to loans | 2.7873% | 2,584 |
| Net loans and leases to total assets | 86.4886% | 332 |
| Net loans and leases to deposits | 97.8137% | 1,547 |
| Net loans and leases to core deposits | 147.2747% | 720 |
| Total domestic deposits to total assets | 88.4217% | 1,564 |
| Equity capital to assets | 10.7782% | 3,137 |
| Core capital (leverage) ratio | 10.2879% | 3,009 |
| Tier 1 risk-based capital ratio | 11.3824% | 5,515 |
| Total risk-based capital ratio | 12.6462% | 5,408 |
| Memoranda: |
| Average total assets | $578,846,330 | 1,227 |
| Average earning assets | $550,419,330 | 1,176 |
| Average equity | $64,324,670 | 1,054 |
| Average total loans | $526,337,000 | 936 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5410% | 4,689 |
| Cost of funding earning assets | 2.7278% | 1,185 |
| Net interest margin | 2.8132% | 6,965 |
| Noninterest income to average assets | 0.2919% | 6,099 |
| Noninterest expense to average assets | 2.5839% | 5,522 |
| Loan and lease loss provision to assets | 2.6809% | 417 |
| Net operating income to assets | -1.3515% | 7,440 |
| Return on assets (ROA) | -1.3515% | 7,452 |
| Pretax return on assets | -2.2961% | 7,614 |
| Return on Equity (ROE) | -11.9835% | 7,472 |
| Retained earnings to average equity (ytd only) | -14.0408% | 7,384 |
| Net charge-offs to loans | 1.6577% | 871 |
| Credit loss provision to net charge-offs | 175.6428% | 2,455 |
| Earnings coverage of net charge-offs (x) | 0.2521% | 4,773 |
| Efficiency ratio | 87.0362% | 1,970 |
| Assets per employee ($millions) | 5.5883% | 1,484 |
| Cash dividends to net income (ytd only)* | -17.1676% | 8,090 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9327% | 1,553 |
| Loan loss allowance to noncurrent loans | 72.5631% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 2.4325% | 2,357 |
| Noncurrent loans to loans | 2.6635% | 2,465 |
| Net loans and leases to total assets | 89.1052% | 191 |
| Net loans and leases to deposits | 101.1605% | 1,266 |
| Net loans and leases to core deposits | 156.5856% | 554 |
| Total domestic deposits to total assets | 88.0830% | 1,712 |
| Equity capital to assets | 11.2582% | 2,756 |
| Core capital (leverage) ratio | 11.3025% | 2,277 |
| Tier 1 risk-based capital ratio | 12.2666% | 4,735 |
| Total risk-based capital ratio | 13.5251% | 4,638 |
| Memoranda: |
| Average total assets | $580,990,500 | 1,227 |
| Average earning assets | $552,824,500 | 1,175 |
| Average equity | $65,523,500 | 1,037 |
| Average total loans | $534,944,500 | 935 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1338% | 850 |
| Cost of funding earning assets | 3.1843% | 1,242 |
| Net interest margin | 3.9495% | 3,363 |
| Noninterest income to average assets | 0.8357% | 2,322 |
| Noninterest expense to average assets | 2.9527% | 4,250 |
| Loan and lease loss provision to assets | 1.3175% | 1,077 |
| Net operating income to assets | 0.1838% | 5,897 |
| Return on assets (ROA) | 0.1849% | 5,719 |
| Pretax return on assets | 0.2998% | 5,513 |
| Return on Equity (ROE) | 1.9876% | 5,625 |
| Retained earnings to average equity (ytd only) | 1.5912% | 4,258 |
| Net charge-offs to loans | 0.9887% | 1,253 |
| Credit loss provision to net charge-offs | 144.9402% | 3,643 |
| Earnings coverage of net charge-offs (x) | 1.7773% | 5,187 |
| Efficiency ratio | 64.6342% | 5,414 |
| Assets per employee ($millions) | 5.3285% | 1,608 |
| Cash dividends to net income (ytd only)* | 19.9402% | 4,449 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5741% | 2,347 |
| Loan loss allowance to noncurrent loans | 67.6905% | 4,647 |
| Noncurrent assets plus other real estate owned to assets | 2.1694% | 2,255 |
| Noncurrent loans to loans | 2.3255% | 2,377 |
| Net loans and leases to total assets | 91.8201% | 89 |
| Net loans and leases to deposits | 105.3918% | 1,177 |
| Net loans and leases to core deposits | 166.1818% | 474 |
| Total domestic deposits to total assets | 87.1227% | 1,880 |
| Equity capital to assets | 11.2976% | 2,804 |
| Core capital (leverage) ratio | 11.4047% | 2,309 |
| Tier 1 risk-based capital ratio | 11.9494% | 4,861 |
| Total risk-based capital ratio | 13.2033% | 4,742 |
| Memoranda: |
| Average total assets | $542,451,600 | 1,255 |
| Average earning assets | $512,670,600 | 1,206 |
| Average equity | $50,463,800 | 1,338 |
| Average total loans | $498,712,600 | 962 |
