| 2025-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.3082% | 112 |
| Cost of funding earning assets | 3.8611% | 52 |
| Net interest margin | 4.4471% | 688 |
| Noninterest income to average assets | 3.2000% | 181 |
| Noninterest expense to average assets | 5.1877% | 219 |
| Loan and lease loss provision to assets | 0.3900% | 259 |
| Net operating income to assets | 1.4570% | 1,167 |
| Return on assets (ROA) | 1.4570% | 1,162 |
| Pretax return on assets | 1.8473% | 885 |
| Return on Equity (ROE) | 11.2200% | 1,957 |
| Retained earnings to average equity (ytd only) | 1.5621% | 3,401 |
| Net charge-offs to loans | 0.5712% | 246 |
| Credit loss provision to net charge-offs | 95.5492% | 1,305 |
| Earnings coverage of net charge-offs (x) | 4.6458% | 1,947 |
| Efficiency ratio | 69.5431% | 1,873 |
| Assets per employee ($millions) | 5.2108% | 3,523 |
| Cash dividends to net income (ytd only)* | 86.0720% | 596 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1981% | 2,194 |
| Loan loss allowance to noncurrent loans | 44.8767% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 2.2583% | 179 |
| Noncurrent loans to loans | 2.6697% | 278 |
| Net loans and leases to total assets | 83.5800% | 277 |
| Net loans and leases to deposits | 99.7502% | 426 |
| Net loans and leases to core deposits | 124.4588% | 434 |
| Total domestic deposits to total assets | 83.7900% | 2,949 |
| Equity capital to assets | 12.6830% | 1,008 |
| Core capital (leverage) ratio | 10.7892% | 2,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4887% | 962 |
| Memoranda: |
| Average total assets | $877,150,000 | 1,153 |
| Average earning assets | $832,721,000 | 1,126 |
| Average equity | $113,952,000 | 940 |
| Average total loans | $739,459,000 | 980 |
| 2024-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.6663% | 108 |
| Cost of funding earning assets | 4.1307% | 54 |
| Net interest margin | 4.5355% | 608 |
| Noninterest income to average assets | 3.2100% | 179 |
| Noninterest expense to average assets | 5.1329% | 222 |
| Loan and lease loss provision to assets | 0.6200% | 149 |
| Net operating income to assets | 1.2372% | 1,422 |
| Return on assets (ROA) | 1.2372% | 1,431 |
| Pretax return on assets | 1.7220% | 937 |
| Return on Equity (ROE) | 8.6500% | 2,566 |
| Retained earnings to average equity (ytd only) | 5.2883% | 2,112 |
| Net charge-offs to loans | 0.2766% | 545 |
| Credit loss provision to net charge-offs | 268.3255% | 948 |
| Earnings coverage of net charge-offs (x) | 10.6985% | 2,256 |
| Efficiency ratio | 68.2908% | 2,214 |
| Assets per employee ($millions) | 4.9874% | 3,650 |
| Cash dividends to net income (ytd only)* | 38.8802% | 2,194 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2819% | 1,754 |
| Loan loss allowance to noncurrent loans | 57.6206% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 1.8687% | 236 |
| Noncurrent loans to loans | 2.2248% | 347 |
| Net loans and leases to total assets | 82.9200% | 362 |
| Net loans and leases to deposits | 98.7015% | 554 |
| Net loans and leases to core deposits | 127.6419% | 410 |
| Total domestic deposits to total assets | 84.0100% | 2,784 |
| Equity capital to assets | 13.3169% | 821 |
| Core capital (leverage) ratio | 11.4554% | 1,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8775% | 903 |
| Memoranda: |
| Average total assets | $779,597,400 | 1,243 |
| Average earning assets | $734,201,800 | 1,230 |
| Average equity | $111,471,800 | 926 |
| Average total loans | $617,562,000 | 1,105 |
| 2024-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.7019% | 110 |
| Cost of funding earning assets | 4.1793% | 60 |
| Net interest margin | 4.5226% | 624 |
| Noninterest income to average assets | 3.3600% | 168 |
| Noninterest expense to average assets | 5.2209% | 213 |
| Loan and lease loss provision to assets | 0.5600% | 146 |
| Net operating income to assets | 1.4403% | 1,030 |
| Return on assets (ROA) | 1.4403% | 1,027 |
| Pretax return on assets | 1.8333% | 826 |
| Return on Equity (ROE) | 9.8800% | 2,234 |
| Retained earnings to average equity (ytd only) | 8.6814% | 1,200 |
| Net charge-offs to loans | 0.0976% | 1,003 |
| Credit loss provision to net charge-offs | 659.4470% | 526 |
| Earnings coverage of net charge-offs (x) | 31.4562% | 1,487 |
| Efficiency ratio | 68.2251% | 2,238 |
| Assets per employee ($millions) | 4.8486% | 3,741 |
| Cash dividends to net income (ytd only)* | 12.1595% | 2,767 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3256% | 1,602 |
| Loan loss allowance to noncurrent loans | 60.2068% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 1.7298% | 260 |
| Noncurrent loans to loans | 2.2018% | 342 |
| Net loans and leases to total assets | 77.5200% | 923 |
| Net loans and leases to deposits | 94.1011% | 850 |
| Net loans and leases to core deposits | 124.7344% | 487 |
| Total domestic deposits to total assets | 82.3800% | 3,008 |
| Equity capital to assets | 13.7447% | 791 |
| Core capital (leverage) ratio | 11.9077% | 1,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1786% | 770 |
| Memoranda: |
| Average total assets | $761,287,250 | 1,258 |
| Average earning assets | $715,736,750 | 1,244 |
| Average equity | $110,946,750 | 922 |
| Average total loans | $592,865,750 | 1,134 |
| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.6747% | 112 |
| Cost of funding earning assets | 4.1586% | 53 |
| Net interest margin | 4.5160% | 611 |
| Noninterest income to average assets | 3.3900% | 168 |
| Noninterest expense to average assets | 5.2939% | 210 |
| Loan and lease loss provision to assets | 0.7000% | 116 |
| Net operating income to assets | 1.2798% | 1,299 |
| Return on assets (ROA) | 1.2798% | 1,307 |
| Pretax return on assets | 1.6300% | 1,085 |
| Return on Equity (ROE) | 8.6000% | 2,557 |
| Retained earnings to average equity (ytd only) | 6.7691% | 1,731 |
| Net charge-offs to loans | 0.1496% | 672 |
| Credit loss provision to net charge-offs | 560.8899% | 586 |
| Earnings coverage of net charge-offs (x) | 20.0726% | 1,633 |
| Efficiency ratio | 69.0563% | 2,207 |
| Assets per employee ($millions) | 4.6019% | 3,870 |
| Cash dividends to net income (ytd only)* | 21.2495% | 2,468 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3272% | 1,629 |
| Loan loss allowance to noncurrent loans | 77.5923% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 1.3879% | 376 |
| Noncurrent loans to loans | 1.7105% | 475 |
| Net loans and leases to total assets | 80.0600% | 666 |
| Net loans and leases to deposits | 98.5898% | 616 |
| Net loans and leases to core deposits | 131.0696% | 384 |
| Total domestic deposits to total assets | 81.2100% | 3,238 |
| Equity capital to assets | 14.4705% | 606 |
| Core capital (leverage) ratio | 12.0121% | 1,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4304% | 734 |
| Memoranda: |
| Average total assets | $735,444,667 | 1,293 |
| Average earning assets | $689,940,000 | 1,280 |
| Average equity | $109,498,000 | 928 |
| Average total loans | $570,821,333 | 1,168 |
| 2024-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.5010% | 123 |
| Cost of funding earning assets | 4.0864% | 60 |
| Net interest margin | 4.4146% | 654 |
| Noninterest income to average assets | 3.5400% | 155 |
| Noninterest expense to average assets | 5.4432% | 196 |
| Loan and lease loss provision to assets | 0.5100% | 153 |
| Net operating income to assets | 1.3520% | 1,143 |
| Return on assets (ROA) | 1.3520% | 1,154 |
| Pretax return on assets | 1.7137% | 939 |
| Return on Equity (ROE) | 8.9500% | 2,404 |
| Retained earnings to average equity (ytd only) | 8.9467% | 1,336 |
| Net charge-offs to loans | 0.2579% | 359 |
| Credit loss provision to net charge-offs | 220.2279% | 783 |
| Earnings coverage of net charge-offs (x) | 11.3875% | 1,593 |
| Efficiency ratio | 70.6096% | 2,086 |
| Assets per employee ($millions) | 4.6623% | 3,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1991% | 2,289 |
| Loan loss allowance to noncurrent loans | 131.8832% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 0.6634% | 957 |
| Noncurrent loans to loans | 0.9092% | 959 |
| Net loans and leases to total assets | 72.0800% | 1,548 |
| Net loans and leases to deposits | 88.6118% | 1,310 |
| Net loans and leases to core deposits | 116.1695% | 747 |
| Total domestic deposits to total assets | 81.3500% | 3,307 |
| Equity capital to assets | 14.2716% | 636 |
| Core capital (leverage) ratio | 12.7192% | 1,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6806% | 632 |
| Memoranda: |
| Average total assets | $718,910,500 | 1,319 |
| Average earning assets | $672,765,000 | 1,303 |
| Average equity | $108,643,000 | 933 |
| Average total loans | $544,452,000 | 1,206 |
| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.9877% | 121 |
| Cost of funding earning assets | 3.0786% | 127 |
| Net interest margin | 4.9092% | 357 |
| Noninterest income to average assets | 3.6900% | 159 |
| Noninterest expense to average assets | 5.4465% | 197 |
| Loan and lease loss provision to assets | 0.2100% | 579 |
| Net operating income to assets | 2.0399% | 445 |
| Return on assets (ROA) | 2.0399% | 429 |
| Pretax return on assets | 2.5986% | 303 |
| Return on Equity (ROE) | 12.5500% | 1,834 |
| Retained earnings to average equity (ytd only) | 11.5631% | 691 |
| Net charge-offs to loans | 0.1880% | 571 |
| Credit loss provision to net charge-offs | 143.6422% | 1,506 |
| Earnings coverage of net charge-offs (x) | 18.9256% | 1,918 |
| Efficiency ratio | 65.6055% | 2,399 |
| Assets per employee ($millions) | 4.2582% | 4,057 |
| Cash dividends to net income (ytd only)* | 7.8272% | 3,281 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1954% | 2,326 |
| Loan loss allowance to noncurrent loans | 245.4475% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 0.3844% | 1,438 |
| Noncurrent loans to loans | 0.4870% | 1,568 |
| Net loans and leases to total assets | 77.9800% | 871 |
| Net loans and leases to deposits | 98.1053% | 648 |
| Net loans and leases to core deposits | 127.3595% | 453 |
| Total domestic deposits to total assets | 79.4900% | 3,543 |
| Equity capital to assets | 16.0794% | 456 |
| Core capital (leverage) ratio | 14.2641% | 746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2948% | 585 |
| Memoranda: |
| Average total assets | $626,296,800 | 1,423 |
| Average earning assets | $581,729,000 | 1,414 |
| Average equity | $101,840,800 | 928 |
| Average total loans | $493,553,200 | 1,245 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.9055% | 116 |
| Cost of funding earning assets | 2.9320% | 130 |
| Net interest margin | 4.9735% | 318 |
| Noninterest income to average assets | 3.8200% | 161 |
| Noninterest expense to average assets | 5.4773% | 199 |
| Loan and lease loss provision to assets | 0.1600% | 736 |
| Net operating income to assets | 2.1946% | 379 |
| Return on assets (ROA) | 2.1946% | 373 |
| Pretax return on assets | 2.7938% | 282 |
| Return on Equity (ROE) | 13.4600% | 1,808 |
| Retained earnings to average equity (ytd only) | 12.1280% | 951 |
| Net charge-offs to loans | 0.1724% | 500 |
| Credit loss provision to net charge-offs | 115.1515% | 1,517 |
| Earnings coverage of net charge-offs (x) | 21.7448% | 1,772 |
| Efficiency ratio | 64.5714% | 2,433 |
| Assets per employee ($millions) | 4.0964% | 4,122 |
| Cash dividends to net income (ytd only)* | 9.8668% | 2,785 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2078% | 2,320 |
| Loan loss allowance to noncurrent loans | 325.2711% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.2962% | 1,827 |
| Noncurrent loans to loans | 0.3713% | 1,903 |
| Net loans and leases to total assets | 78.7900% | 778 |
| Net loans and leases to deposits | 96.5895% | 713 |
| Net loans and leases to core deposits | 124.8640% | 436 |
| Total domestic deposits to total assets | 81.5800% | 3,301 |
| Equity capital to assets | 16.7468% | 409 |
| Core capital (leverage) ratio | 14.0475% | 814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6332% | 580 |
| Memoranda: |
| Average total assets | $615,734,750 | 1,446 |
| Average earning assets | $571,066,500 | 1,438 |
| Average equity | $100,426,500 | 936 |
| Average total loans | $485,024,500 | 1,257 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.7914% | 113 |
| Cost of funding earning assets | 2.7254% | 122 |
| Net interest margin | 5.0660% | 287 |
| Noninterest income to average assets | 3.8200% | 151 |
| Noninterest expense to average assets | 5.4363% | 194 |
| Loan and lease loss provision to assets | 0.2500% | 390 |
| Net operating income to assets | 2.2255% | 342 |
| Return on assets (ROA) | 2.2255% | 334 |
| Pretax return on assets | 2.8316% | 238 |
| Return on Equity (ROE) | 13.7700% | 1,730 |
| Retained earnings to average equity (ytd only) | 11.7526% | 1,039 |
| Net charge-offs to loans | 0.2182% | 370 |
| Credit loss provision to net charge-offs | 144.7619% | 1,217 |
| Earnings coverage of net charge-offs (x) | 18.0095% | 1,772 |
| Efficiency ratio | 63.4123% | 2,552 |
| Assets per employee ($millions) | 4.1739% | 4,110 |
| Cash dividends to net income (ytd only)* | 14.6499% | 2,601 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2512% | 2,167 |
| Loan loss allowance to noncurrent loans | 295.9499% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.3380% | 1,566 |
| Noncurrent loans to loans | 0.4228% | 1,668 |
| Net loans and leases to total assets | 78.9500% | 743 |
| Net loans and leases to deposits | 96.0369% | 730 |
| Net loans and leases to core deposits | 125.5343% | 397 |
| Total domestic deposits to total assets | 82.2100% | 3,190 |
| Equity capital to assets | 16.5017% | 408 |
| Core capital (leverage) ratio | 13.7279% | 823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4124% | 596 |
| Memoranda: |
| Average total assets | $613,431,000 | 1,444 |
| Average earning assets | $569,014,667 | 1,445 |
| Average equity | $99,144,333 | 943 |
| Average total loans | $481,166,000 | 1,252 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.6750% | 74 |
| Cost of funding earning assets | 2.5353% | 89 |
| Net interest margin | 5.1396% | 240 |
| Noninterest income to average assets | 4.2200% | 144 |
| Noninterest expense to average assets | 5.4441% | 204 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 2.7462% | 196 |
| Return on assets (ROA) | 2.7462% | 192 |
| Pretax return on assets | 3.4909% | 145 |
| Return on Equity (ROE) | 17.1700% | 1,145 |
| Retained earnings to average equity (ytd only) | 17.1716% | 577 |
| Net charge-offs to loans | 0.0613% | 763 |
| Credit loss provision to net charge-offs | 58.9041% | 1,283 |
| Earnings coverage of net charge-offs (x) | 74.3973% | 924 |
| Efficiency ratio | 60.2076% | 2,933 |
| Assets per employee ($millions) | 4.3286% | 4,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2531% | 2,276 |
| Loan loss allowance to noncurrent loans | 232.5941% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 0.4051% | 1,274 |
| Noncurrent loans to loans | 0.5387% | 1,374 |
| Net loans and leases to total assets | 74.2500% | 1,171 |
| Net loans and leases to deposits | 90.0093% | 1,045 |
| Net loans and leases to core deposits | 108.7909% | 741 |
| Total domestic deposits to total assets | 82.4900% | 3,406 |
| Equity capital to assets | 15.9989% | 411 |
| Core capital (leverage) ratio | 12.5125% | 1,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4687% | 615 |
| Memoranda: |
| Average total assets | $613,363,500 | 1,468 |
| Average earning assets | $568,758,500 | 1,469 |
| Average equity | $98,092,000 | 963 |
| Average total loans | $476,461,500 | 1,276 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2313% | 81 |
| Cost of funding earning assets | 0.9319% | 220 |
| Net interest margin | 5.2994% | 106 |
| Noninterest income to average assets | 3.5100% | 157 |
| Noninterest expense to average assets | 5.3504% | 195 |
| Loan and lease loss provision to assets | 0.2200% | 456 |
| Net operating income to assets | 2.2415% | 200 |
| Return on assets (ROA) | 2.2415% | 191 |
| Pretax return on assets | 2.8368% | 148 |
| Return on Equity (ROE) | 14.3300% | 1,454 |
| Retained earnings to average equity (ytd only) | 14.3291% | 345 |
| Net charge-offs to loans | 0.1949% | 420 |
| Credit loss provision to net charge-offs | 139.9336% | 1,344 |
| Earnings coverage of net charge-offs (x) | 19.6062% | 1,907 |
| Efficiency ratio | 63.2292% | 2,598 |
| Assets per employee ($millions) | 4.3101% | 4,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9320% | 3,663 |
| Loan loss allowance to noncurrent loans | 161.0061% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 0.4645% | 1,094 |
| Noncurrent loans to loans | 0.5789% | 1,284 |
| Net loans and leases to total assets | 79.5000% | 652 |
| Net loans and leases to deposits | 96.0156% | 637 |
| Net loans and leases to core deposits | 118.1157% | 402 |
| Total domestic deposits to total assets | 82.8000% | 3,462 |
| Equity capital to assets | 15.9859% | 388 |
| Core capital (leverage) ratio | 13.4706% | 824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4242% | 680 |
| Memoranda: |
| Average total assets | $580,203,600 | 1,541 |
| Average earning assets | $535,778,200 | 1,537 |
| Average equity | $90,759,400 | 1,027 |
| Average total loans | $463,779,200 | 1,242 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9550% | 80 |
| Cost of funding earning assets | 0.6935% | 279 |
| Net interest margin | 5.2615% | 92 |
| Noninterest income to average assets | 3.6500% | 160 |
| Noninterest expense to average assets | 5.3984% | 197 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 2.3667% | 174 |
| Return on assets (ROA) | 2.3667% | 171 |
| Pretax return on assets | 2.9899% | 141 |
| Return on Equity (ROE) | 15.2200% | 1,127 |
| Retained earnings to average equity (ytd only) | 15.2174% | 345 |
| Net charge-offs to loans | 0.1337% | 486 |
| Credit loss provision to net charge-offs | 103.6957% | 1,297 |
| Earnings coverage of net charge-offs (x) | 29.0391% | 1,533 |
| Efficiency ratio | 63.0916% | 2,672 |
| Assets per employee ($millions) | 4.2573% | 4,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9075% | 3,829 |
| Loan loss allowance to noncurrent loans | 111.5899% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 0.7346% | 695 |
| Noncurrent loans to loans | 0.8132% | 981 |
| Net loans and leases to total assets | 78.6200% | 652 |
| Net loans and leases to deposits | 95.3607% | 582 |
| Net loans and leases to core deposits | 122.4894% | 222 |
| Total domestic deposits to total assets | 82.4500% | 3,762 |
| Equity capital to assets | 16.1446% | 365 |
| Core capital (leverage) ratio | 13.1237% | 871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7801% | 659 |
| Memoranda: |
| Average total assets | $574,402,500 | 1,564 |
| Average earning assets | $529,849,500 | 1,567 |
| Average equity | $89,334,250 | 1,054 |
| Average total loans | $458,665,500 | 1,248 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7061% | 89 |
| Cost of funding earning assets | 0.5189% | 468 |
| Net interest margin | 5.1871% | 92 |
| Noninterest income to average assets | 3.6266% | 129 |
| Noninterest expense to average assets | 5.3394% | 154 |
| Loan and lease loss provision to assets | 0.1145% | 879 |
| Net operating income to assets | 2.3391% | 131 |
| Return on assets (ROA) | 2.3391% | 130 |
| Pretax return on assets | 2.9500% | 107 |
| Return on Equity (ROE) | 15.2352% | 846 |
| Retained earnings to average equity (ytd only) | 15.2352% | 246 |
| Net charge-offs to loans | 0.1069% | 563 |
| Credit loss provision to net charge-offs | 133.8776% | 1,143 |
| Earnings coverage of net charge-offs (x) | 35.8286% | 1,313 |
| Efficiency ratio | 63.1065% | 2,900 |
| Assets per employee ($millions) | 4.4552% | 4,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9189% | 3,897 |
| Loan loss allowance to noncurrent loans | 144.6874% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 0.6917% | 786 |
| Noncurrent loans to loans | 0.6351% | 1,342 |
| Net loans and leases to total assets | 78.8473% | 495 |
| Net loans and leases to deposits | 95.0470% | 475 |
| Net loans and leases to core deposits | 121.9138% | 182 |
| Total domestic deposits to total assets | 82.9561% | 3,883 |
| Equity capital to assets | 15.6729% | 354 |
| Core capital (leverage) ratio | 13.0939% | 800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7806% | 745 |
| Memoranda: |
| Average total assets | $572,874,667 | 1,565 |
| Average earning assets | $527,615,000 | 1,591 |
| Average equity | $87,954,000 | 1,075 |
| Average total loans | $458,422,000 | 1,250 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7657% | 79 |
| Cost of funding earning assets | 0.5140% | 463 |
| Net interest margin | 5.2516% | 83 |
| Noninterest income to average assets | 3.8313% | 128 |
| Noninterest expense to average assets | 5.5634% | 145 |
| Loan and lease loss provision to assets | 0.2296% | 300 |
| Net operating income to assets | 2.2235% | 160 |
| Return on assets (ROA) | 2.2235% | 158 |
| Pretax return on assets | 2.8659% | 116 |
| Return on Equity (ROE) | 14.6376% | 713 |
| Retained earnings to average equity (ytd only) | 14.6376% | 320 |
| Net charge-offs to loans | 0.1094% | 488 |
| Credit loss provision to net charge-offs | 261.6000% | 705 |
| Earnings coverage of net charge-offs (x) | 35.2720% | 1,067 |
| Efficiency ratio | 63.8369% | 3,045 |
| Assets per employee ($millions) | 4.5261% | 4,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9636% | 3,867 |
| Loan loss allowance to noncurrent loans | 153.9604% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 0.6961% | 814 |
| Noncurrent loans to loans | 0.6259% | 1,499 |
| Net loans and leases to total assets | 79.7363% | 249 |
| Net loans and leases to deposits | 99.2431% | 194 |
| Net loans and leases to core deposits | 130.0351% | 91 |
| Total domestic deposits to total assets | 80.3444% | 4,263 |
| Equity capital to assets | 15.6430% | 344 |
| Core capital (leverage) ratio | 12.5526% | 895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6536% | 804 |
| Memoranda: |
| Average total assets | $569,727,000 | 1,580 |
| Average earning assets | $523,722,000 | 1,604 |
| Average equity | $86,544,500 | 1,123 |
| Average total loans | $457,185,500 | 1,242 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7433% | 104 |
| Cost of funding earning assets | 0.5346% | 771 |
| Net interest margin | 5.2087% | 108 |
| Noninterest income to average assets | 3.5133% | 159 |
| Noninterest expense to average assets | 4.9389% | 182 |
| Loan and lease loss provision to assets | 0.4050% | 168 |
| Net operating income to assets | 2.3805% | 183 |
| Return on assets (ROA) | 2.3805% | 189 |
| Pretax return on assets | 3.0439% | 140 |
| Return on Equity (ROE) | 18.3160% | 437 |
| Retained earnings to average equity (ytd only) | -11.2841% | 4,776 |
| Net charge-offs to loans | 0.2267% | 410 |
| Credit loss provision to net charge-offs | 220.7378% | 1,251 |
| Earnings coverage of net charge-offs (x) | 18.7976% | 1,900 |
| Efficiency ratio | 58.4433% | 3,374 |
| Assets per employee ($millions) | 4.5816% | 4,056 |
| Cash dividends to net income (ytd only)* | 161.6076% | 64 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8977% | 4,069 |
| Loan loss allowance to noncurrent loans | 189.7623% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 0.5659% | 1,167 |
| Noncurrent loans to loans | 0.4731% | 1,945 |
| Net loans and leases to total assets | 79.3994% | 300 |
| Net loans and leases to deposits | 101.4756% | 172 |
| Net loans and leases to core deposits | 135.4119% | 79 |
| Total domestic deposits to total assets | 78.2449% | 4,372 |
| Equity capital to assets | 14.7748% | 524 |
| Core capital (leverage) ratio | 12.0584% | 1,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9342% | 901 |
| Memoranda: |
| Average total assets | $546,658,800 | 1,585 |
| Average earning assets | $511,588,600 | 1,568 |
| Average equity | $71,047,000 | 1,336 |
| Average total loans | $442,367,200 | 1,280 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6081% | 131 |
| Cost of funding earning assets | 0.5475% | 846 |
| Net interest margin | 5.0605% | 148 |
| Noninterest income to average assets | 3.5930% | 162 |
| Noninterest expense to average assets | 4.8619% | 184 |
| Loan and lease loss provision to assets | 0.2993% | 267 |
| Net operating income to assets | 2.4905% | 215 |
| Return on assets (ROA) | 2.4905% | 217 |
| Pretax return on assets | 3.1893% | 148 |
| Return on Equity (ROE) | 19.8911% | 433 |
| Retained earnings to average equity (ytd only) | -19.0297% | 4,881 |
| Net charge-offs to loans | 0.0771% | 896 |
| Credit loss provision to net charge-offs | 478.2609% | 776 |
| Earnings coverage of net charge-offs (x) | 55.7431% | 1,174 |
| Efficiency ratio | 57.7759% | 3,305 |
| Assets per employee ($millions) | 4.8568% | 3,836 |
| Cash dividends to net income (ytd only)* | 195.6694% | 38 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8511% | 4,274 |
| Loan loss allowance to noncurrent loans | 64.5151% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 1.1543% | 526 |
| Noncurrent loans to loans | 1.3192% | 815 |
| Net loans and leases to total assets | 79.9163% | 296 |
| Net loans and leases to deposits | 106.1289% | 134 |
| Net loans and leases to core deposits | 141.5555% | 78 |
| Total domestic deposits to total assets | 75.3011% | 4,586 |
| Equity capital to assets | 14.7638% | 582 |
| Core capital (leverage) ratio | 13.1249% | 812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9976% | 958 |
| Memoranda: |
| Average total assets | $539,003,500 | 1,610 |
| Average earning assets | $506,735,000 | 1,597 |
| Average equity | $67,485,750 | 1,399 |
| Average total loans | $437,331,750 | 1,314 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0076% | 337 |
| Cost of funding earning assets | 0.5599% | 905 |
| Net interest margin | 4.4477% | 391 |
| Noninterest income to average assets | 3.6538% | 154 |
| Noninterest expense to average assets | 4.6945% | 194 |
| Loan and lease loss provision to assets | 0.2150% | 502 |
| Net operating income to assets | 2.2896% | 288 |
| Return on assets (ROA) | 2.2896% | 309 |
| Pretax return on assets | 2.9498% | 198 |
| Return on Equity (ROE) | 19.5400% | 495 |
| Retained earnings to average equity (ytd only) | 19.5400% | 169 |
| Net charge-offs to loans | 0.0943% | 768 |
| Credit loss provision to net charge-offs | 280.2956% | 919 |
| Earnings coverage of net charge-offs (x) | 41.2562% | 1,149 |
| Efficiency ratio | 59.2509% | 3,119 |
| Assets per employee ($millions) | 5.8721% | 2,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7656% | 4,429 |
| Loan loss allowance to noncurrent loans | 89.2819% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 0.6710% | 1,237 |
| Noncurrent loans to loans | 0.8575% | 1,437 |
| Net loans and leases to total assets | 77.6568% | 469 |
| Net loans and leases to deposits | 108.5206% | 128 |
| Net loans and leases to core deposits | 146.8702% | 75 |
| Total domestic deposits to total assets | 71.5595% | 4,719 |
| Equity capital to assets | 11.7564% | 1,486 |
| Core capital (leverage) ratio | 12.1816% | 1,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3378% | 778 |
| Memoranda: |
| Average total assets | $529,257,667 | 1,628 |
| Average earning assets | $500,444,000 | 1,604 |
| Average equity | $62,016,333 | 1,486 |
| Average total loans | $430,437,333 | 1,328 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1713% | 283 |
| Cost of funding earning assets | 0.6003% | 875 |
| Net interest margin | 4.5709% | 325 |
| Noninterest income to average assets | 3.9413% | 150 |
| Noninterest expense to average assets | 4.6156% | 201 |
| Loan and lease loss provision to assets | 0.3306% | 261 |
| Net operating income to assets | 2.5542% | 244 |
| Return on assets (ROA) | 2.5542% | 267 |
| Pretax return on assets | 3.3057% | 169 |
| Return on Equity (ROE) | 21.8363% | 402 |
| Retained earnings to average equity (ytd only) | 21.8363% | 211 |
| Net charge-offs to loans | 0.1964% | 414 |
| Credit loss provision to net charge-offs | 202.8436% | 882 |
| Earnings coverage of net charge-offs (x) | 22.3128% | 1,212 |
| Efficiency ratio | 55.4661% | 3,609 |
| Assets per employee ($millions) | 5.7218% | 2,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7113% | 4,552 |
| Loan loss allowance to noncurrent loans | 64.8061% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 0.9158% | 930 |
| Noncurrent loans to loans | 1.0977% | 1,216 |
| Net loans and leases to total assets | 82.8350% | 190 |
| Net loans and leases to deposits | 122.3146% | 59 |
| Net loans and leases to core deposits | 164.5672% | 57 |
| Total domestic deposits to total assets | 67.7229% | 4,811 |
| Equity capital to assets | 11.6733% | 1,459 |
| Core capital (leverage) ratio | 12.1497% | 1,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1577% | 904 |
| Memoranda: |
| Average total assets | $517,896,000 | 1,648 |
| Average earning assets | $488,391,500 | 1,621 |
| Average equity | $60,578,000 | 1,504 |
| Average total loans | $429,677,000 | 1,338 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7935% | 746 |
| Cost of funding earning assets | 1.0088% | 575 |
| Net interest margin | 3.7847% | 1,544 |
| Noninterest income to average assets | 3.6142% | 153 |
| Noninterest expense to average assets | 4.5335% | 249 |
| Loan and lease loss provision to assets | 0.3700% | 891 |
| Net operating income to assets | 1.7992% | 391 |
| Return on assets (ROA) | 1.7992% | 419 |
| Pretax return on assets | 2.2796% | 263 |
| Return on Equity (ROE) | 15.2111% | 605 |
| Retained earnings to average equity (ytd only) | 15.2111% | 151 |
| Net charge-offs to loans | 0.0475% | 2,117 |
| Credit loss provision to net charge-offs | 971.0227% | 796 |
| Earnings coverage of net charge-offs (x) | 69.5341% | 980 |
| Efficiency ratio | 62.5072% | 3,042 |
| Assets per employee ($millions) | 5.3017% | 3,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7080% | 4,578 |
| Loan loss allowance to noncurrent loans | 164.0268% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 0.3560% | 2,562 |
| Noncurrent loans to loans | 0.4316% | 2,681 |
| Net loans and leases to total assets | 81.8932% | 301 |
| Net loans and leases to deposits | 116.3076% | 97 |
| Net loans and leases to core deposits | 151.3478% | 83 |
| Total domestic deposits to total assets | 70.4109% | 4,767 |
| Equity capital to assets | 11.7219% | 1,717 |
| Core capital (leverage) ratio | 11.5814% | 1,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2452% | 1,009 |
| Memoranda: |
| Average total assets | $461,872,800 | 1,663 |
| Average earning assets | $435,546,800 | 1,637 |
| Average equity | $54,631,200 | 1,568 |
| Average total loans | $370,182,400 | 1,452 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7450% | 970 |
| Cost of funding earning assets | 1.1085% | 523 |
| Net interest margin | 3.6365% | 2,135 |
| Noninterest income to average assets | 3.8042% | 138 |
| Noninterest expense to average assets | 4.5443% | 247 |
| Loan and lease loss provision to assets | 0.5048% | 576 |
| Net operating income to assets | 1.7287% | 544 |
| Return on assets (ROA) | 1.7287% | 605 |
| Pretax return on assets | 2.1841% | 354 |
| Return on Equity (ROE) | 14.5786% | 771 |
| Retained earnings to average equity (ytd only) | 14.5786% | 220 |
| Net charge-offs to loans | 0.0665% | 1,661 |
| Credit loss provision to net charge-offs | 954.7486% | 856 |
| Earnings coverage of net charge-offs (x) | 50.8603% | 1,183 |
| Efficiency ratio | 62.2091% | 3,037 |
| Assets per employee ($millions) | 5.8077% | 2,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6919% | 4,589 |
| Loan loss allowance to noncurrent loans | 163.4947% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.3516% | 2,738 |
| Noncurrent loans to loans | 0.4232% | 2,789 |
| Net loans and leases to total assets | 82.5142% | 396 |
| Net loans and leases to deposits | 116.4860% | 144 |
| Net loans and leases to core deposits | 151.3107% | 110 |
| Total domestic deposits to total assets | 70.8362% | 4,728 |
| Equity capital to assets | 11.0809% | 2,340 |
| Core capital (leverage) ratio | 10.2162% | 2,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4831% | 1,137 |
| Memoranda: |
| Average total assets | $451,425,500 | 1,671 |
| Average earning assets | $425,675,750 | 1,653 |
| Average equity | $53,529,250 | 1,580 |
| Average total loans | $358,876,500 | 1,478 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8491% | 1,056 |
| Cost of funding earning assets | 1.2425% | 443 |
| Net interest margin | 3.6066% | 2,463 |
| Noninterest income to average assets | 3.7456% | 126 |
| Noninterest expense to average assets | 4.5460% | 245 |
| Loan and lease loss provision to assets | 0.5853% | 553 |
| Net operating income to assets | 1.5892% | 779 |
| Return on assets (ROA) | 1.5892% | 850 |
| Pretax return on assets | 2.0058% | 538 |
| Return on Equity (ROE) | 13.0641% | 1,083 |
| Retained earnings to average equity (ytd only) | 13.0641% | 348 |
| Net charge-offs to loans | 0.0730% | 1,519 |
| Credit loss provision to net charge-offs | 1,026.8293% | 776 |
| Earnings coverage of net charge-offs (x) | 45.4553% | 1,168 |
| Efficiency ratio | 63.0390% | 2,952 |
| Assets per employee ($millions) | 6.2412% | 1,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6270% | 4,705 |
| Loan loss allowance to noncurrent loans | 137.2845% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.3540% | 2,877 |
| Noncurrent loans to loans | 0.4567% | 2,779 |
| Net loans and leases to total assets | 77.0318% | 995 |
| Net loans and leases to deposits | 93.6878% | 989 |
| Net loans and leases to core deposits | 115.8869% | 537 |
| Total domestic deposits to total assets | 82.2218% | 3,310 |
| Equity capital to assets | 10.3413% | 2,892 |
| Core capital (leverage) ratio | 9.0934% | 3,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1479% | 1,218 |
| Memoranda: |
| Average total assets | $431,541,333 | 1,709 |
| Average earning assets | $405,810,000 | 1,691 |
| Average equity | $52,495,000 | 1,594 |
| Average total loans | $336,952,000 | 1,522 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6894% | 252 |
| Cost of funding earning assets | 1.4235% | 358 |
| Net interest margin | 4.2660% | 816 |
| Noninterest income to average assets | 4.6700% | 98 |
| Noninterest expense to average assets | 5.4842% | 177 |
| Loan and lease loss provision to assets | 0.8183% | 296 |
| Net operating income to assets | 1.8557% | 366 |
| Return on assets (ROA) | 1.8557% | 405 |
| Pretax return on assets | 2.3511% | 219 |
| Return on Equity (ROE) | 13.8433% | 728 |
| Retained earnings to average equity (ytd only) | 13.8433% | 266 |
| Net charge-offs to loans | -0.0331% | 4,503 |
| Credit loss provision to net charge-offs | -3,152.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7745% | 3,406 |
| Assets per employee ($millions) | 4.7859% | 2,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7318% | 4,558 |
| Loan loss allowance to noncurrent loans | 110.6076% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 0.4879% | 2,537 |
| Noncurrent loans to loans | 0.6616% | 2,334 |
| Net loans and leases to total assets | 73.1972% | 1,749 |
| Net loans and leases to deposits | 84.9506% | 2,112 |
| Net loans and leases to core deposits | 94.9842% | 1,881 |
| Total domestic deposits to total assets | 86.1644% | 1,936 |
| Equity capital to assets | 12.7690% | 1,570 |
| Core capital (leverage) ratio | 11.4366% | 2,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2885% | 1,532 |
| Memoranda: |
| Average total assets | $385,182,500 | 1,823 |
| Average earning assets | $359,684,000 | 1,816 |
| Average equity | $51,635,000 | 1,612 |
| Average total loans | $302,231,000 | 1,635 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9611% | 241 |
| Cost of funding earning assets | 1.7243% | 180 |
| Net interest margin | 4.2368% | 1,240 |
| Noninterest income to average assets | 4.4772% | 104 |
| Noninterest expense to average assets | 6.0215% | 141 |
| Loan and lease loss provision to assets | 0.4698% | 278 |
| Net operating income to assets | 1.4860% | 1,089 |
| Return on assets (ROA) | 1.4860% | 1,148 |
| Pretax return on assets | 1.9044% | 738 |
| Return on Equity (ROE) | 10.6621% | 2,019 |
| Retained earnings to average equity (ytd only) | 10.6621% | 377 |
| Net charge-offs to loans | 0.3702% | 540 |
| Credit loss provision to net charge-offs | 152.3017% | 1,676 |
| Earnings coverage of net charge-offs (x) | 7.6964% | 2,852 |
| Efficiency ratio | 70.9972% | 2,024 |
| Assets per employee ($millions) | 4.2210% | 3,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4678% | 4,928 |
| Loan loss allowance to noncurrent loans | 23.5019% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 1.6698% | 562 |
| Noncurrent loans to loans | 1.9905% | 644 |
| Net loans and leases to total assets | 83.4952% | 371 |
| Net loans and leases to deposits | 102.7470% | 431 |
| Net loans and leases to core deposits | 111.3178% | 783 |
| Total domestic deposits to total assets | 81.2629% | 3,712 |
| Equity capital to assets | 14.1354% | 1,044 |
| Core capital (leverage) ratio | 11.0921% | 2,416 |
| Tier 1 risk-based capital ratio | 15.1569% | 2,716 |
| Total risk-based capital ratio | 15.7106% | 2,933 |
| Memoranda: |
| Average total assets | $330,962,800 | 1,976 |
| Average earning assets | $306,102,600 | 1,989 |
| Average equity | $46,126,200 | 1,716 |
| Average total loans | $275,774,200 | 1,713 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9032% | 292 |
| Cost of funding earning assets | 1.7198% | 186 |
| Net interest margin | 4.1834% | 1,411 |
| Noninterest income to average assets | 4.5948% | 101 |
| Noninterest expense to average assets | 6.0915% | 135 |
| Loan and lease loss provision to assets | 0.6115% | 185 |
| Net operating income to assets | 1.3687% | 1,580 |
| Return on assets (ROA) | 1.3687% | 1,643 |
| Pretax return on assets | 1.7567% | 1,187 |
| Return on Equity (ROE) | 9.8592% | 2,493 |
| Retained earnings to average equity (ytd only) | 9.8592% | 791 |
| Net charge-offs to loans | 0.4062% | 411 |
| Credit loss provision to net charge-offs | 180.9988% | 1,420 |
| Earnings coverage of net charge-offs (x) | 7.0097% | 2,785 |
| Efficiency ratio | 71.2715% | 1,926 |
| Assets per employee ($millions) | 4.3334% | 3,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5142% | 4,951 |
| Loan loss allowance to noncurrent loans | 22.3140% | 4,598 |
| Noncurrent assets plus other real estate owned to assets | 1.9649% | 452 |
| Noncurrent loans to loans | 2.3046% | 532 |
| Net loans and leases to total assets | 84.8234% | 268 |
| Net loans and leases to deposits | 105.7872% | 334 |
| Net loans and leases to core deposits | 114.6796% | 724 |
| Total domestic deposits to total assets | 80.1831% | 3,953 |
| Equity capital to assets | 14.0082% | 1,147 |
| Core capital (leverage) ratio | 11.3269% | 2,359 |
| Tier 1 risk-based capital ratio | 14.7285% | 2,982 |
| Total risk-based capital ratio | 15.3426% | 3,191 |
| Memoranda: |
| Average total assets | $324,008,250 | 2,021 |
| Average earning assets | $299,335,000 | 2,039 |
| Average equity | $44,979,000 | 1,762 |
| Average total loans | $269,474,500 | 1,748 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8974% | 288 |
| Cost of funding earning assets | 1.6740% | 200 |
| Net interest margin | 4.2235% | 1,306 |
| Noninterest income to average assets | 4.7650% | 98 |
| Noninterest expense to average assets | 6.2455% | 135 |
| Loan and lease loss provision to assets | 0.3067% | 447 |
| Net operating income to assets | 1.6400% | 835 |
| Return on assets (ROA) | 1.6400% | 873 |
| Pretax return on assets | 2.1085% | 540 |
| Return on Equity (ROE) | 11.8535% | 1,637 |
| Retained earnings to average equity (ytd only) | 11.8535% | 421 |
| Net charge-offs to loans | 0.1926% | 859 |
| Credit loss provision to net charge-offs | 193.2000% | 1,251 |
| Earnings coverage of net charge-offs (x) | 15.2160% | 1,999 |
| Efficiency ratio | 71.3731% | 2,006 |
| Assets per employee ($millions) | 6.7092% | 1,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4069% | 5,099 |
| Loan loss allowance to noncurrent loans | 29.8785% | 4,551 |
| Noncurrent assets plus other real estate owned to assets | 1.1270% | 1,195 |
| Noncurrent loans to loans | 1.3619% | 1,140 |
| Net loans and leases to total assets | 82.4129% | 545 |
| Net loans and leases to deposits | 101.6714% | 563 |
| Net loans and leases to core deposits | 109.7854% | 989 |
| Total domestic deposits to total assets | 81.0581% | 3,790 |
| Equity capital to assets | 14.7169% | 885 |
| Core capital (leverage) ratio | 11.8031% | 1,944 |
| Tier 1 risk-based capital ratio | 14.9578% | 2,865 |
| Total risk-based capital ratio | 15.4165% | 3,150 |
| Memoranda: |
| Average total assets | $315,008,330 | 2,083 |
| Average earning assets | $290,567,000 | 2,097 |
| Average equity | $43,582,000 | 1,808 |
| Average total loans | $259,540,670 | 1,797 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7661% | 331 |
| Cost of funding earning assets | 1.6704% | 174 |
| Net interest margin | 4.0957% | 1,558 |
| Noninterest income to average assets | 5.2185% | 90 |
| Noninterest expense to average assets | 6.3076% | 125 |
| Loan and lease loss provision to assets | 0.1077% | 1,647 |
| Net operating income to assets | 2.0407% | 360 |
| Return on assets (ROA) | 2.0407% | 376 |
| Pretax return on assets | 2.5846% | 217 |
| Return on Equity (ROE) | 15.2688% | 703 |
| Retained earnings to average equity (ytd only) | 15.2688% | 261 |
| Net charge-offs to loans | 0.0284% | 1,892 |
| Credit loss provision to net charge-offs | 461.1111% | 638 |
| Earnings coverage of net charge-offs (x) | 115.2222% | 608 |
| Efficiency ratio | 69.3639% | 2,445 |
| Assets per employee ($millions) | 6.7483% | 1,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3678% | 5,203 |
| Loan loss allowance to noncurrent loans | 69.0949% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 0.5264% | 2,525 |
| Noncurrent loans to loans | 0.5323% | 2,715 |
| Net loans and leases to total assets | 81.9495% | 592 |
| Net loans and leases to deposits | 98.3964% | 749 |
| Net loans and leases to core deposits | 107.2579% | 1,086 |
| Total domestic deposits to total assets | 83.2851% | 3,288 |
| Equity capital to assets | 13.9361% | 1,065 |
| Core capital (leverage) ratio | 10.4920% | 3,058 |
| Tier 1 risk-based capital ratio | 13.3930% | 3,670 |
| Total risk-based capital ratio | 13.8005% | 4,011 |
| Memoranda: |
| Average total assets | $308,136,500 | 2,145 |
| Average earning assets | $284,491,000 | 2,145 |
| Average equity | $41,182,000 | 1,885 |
| Average total loans | $253,290,500 | 1,842 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7021% | 279 |
| Cost of funding earning assets | 1.2999% | 217 |
| Net interest margin | 4.4022% | 934 |
| Noninterest income to average assets | 3.4646% | 127 |
| Noninterest expense to average assets | 5.3116% | 166 |
| Loan and lease loss provision to assets | 0.2543% | 667 |
| Net operating income to assets | 1.5201% | 1,068 |
| Return on assets (ROA) | 1.5201% | 1,052 |
| Pretax return on assets | 1.9488% | 625 |
| Return on Equity (ROE) | 11.7911% | 1,786 |
| Retained earnings to average equity (ytd only) | 11.7911% | 336 |
| Net charge-offs to loans | 0.1021% | 1,737 |
| Credit loss provision to net charge-offs | 305.9072% | 1,016 |
| Earnings coverage of net charge-offs (x) | 26.4979% | 1,719 |
| Efficiency ratio | 69.7446% | 2,233 |
| Assets per employee ($millions) | 6.3719% | 1,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3479% | 5,254 |
| Loan loss allowance to noncurrent loans | 34.3418% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 0.8321% | 1,678 |
| Noncurrent loans to loans | 1.0129% | 1,608 |
| Net loans and leases to total assets | 81.8629% | 671 |
| Net loans and leases to deposits | 96.8138% | 993 |
| Net loans and leases to core deposits | 104.9878% | 1,345 |
| Total domestic deposits to total assets | 84.5571% | 2,812 |
| Equity capital to assets | 12.7851% | 1,448 |
| Core capital (leverage) ratio | 10.3199% | 3,232 |
| Tier 1 risk-based capital ratio | 13.0584% | 3,816 |
| Total risk-based capital ratio | 13.4488% | 4,176 |
| Memoranda: |
| Average total assets | $285,054,200 | 2,234 |
| Average earning assets | $262,254,200 | 2,249 |
| Average equity | $36,748,000 | 1,997 |
| Average total loans | $232,156,800 | 1,935 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6534% | 280 |
| Cost of funding earning assets | 1.2203% | 232 |
| Net interest margin | 4.4332% | 841 |
| Noninterest income to average assets | 3.4560% | 137 |
| Noninterest expense to average assets | 5.3884% | 167 |
| Loan and lease loss provision to assets | 0.3063% | 474 |
| Net operating income to assets | 1.4450% | 1,344 |
| Return on assets (ROA) | 1.4450% | 1,345 |
| Pretax return on assets | 1.8304% | 943 |
| Return on Equity (ROE) | 11.1836% | 2,102 |
| Retained earnings to average equity (ytd only) | 11.1836% | 609 |
| Net charge-offs to loans | 0.1478% | 1,117 |
| Credit loss provision to net charge-offs | 255.1587% | 1,160 |
| Earnings coverage of net charge-offs (x) | 17.7977% | 2,095 |
| Efficiency ratio | 70.6489% | 2,097 |
| Assets per employee ($millions) | 6.3057% | 1,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3248% | 5,344 |
| Loan loss allowance to noncurrent loans | 32.1074% | 4,705 |
| Noncurrent assets plus other real estate owned to assets | 0.8343% | 1,776 |
| Noncurrent loans to loans | 1.0117% | 1,694 |
| Net loans and leases to total assets | 82.1973% | 680 |
| Net loans and leases to deposits | 100.9138% | 709 |
| Net loans and leases to core deposits | 109.3477% | 1,075 |
| Total domestic deposits to total assets | 81.4530% | 3,751 |
| Equity capital to assets | 12.9992% | 1,340 |
| Core capital (leverage) ratio | 10.0872% | 3,539 |
| Tier 1 risk-based capital ratio | 12.6537% | 4,119 |
| Total risk-based capital ratio | 13.0061% | 4,526 |
| Memoranda: |
| Average total assets | $279,855,500 | 2,281 |
| Average earning assets | $256,875,500 | 2,297 |
| Average equity | $36,159,250 | 2,026 |
| Average total loans | $227,383,250 | 1,971 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5404% | 303 |
| Cost of funding earning assets | 1.1403% | 242 |
| Net interest margin | 4.4001% | 847 |
| Noninterest income to average assets | 3.4075% | 141 |
| Noninterest expense to average assets | 5.5821% | 158 |
| Loan and lease loss provision to assets | 0.2322% | 690 |
| Net operating income to assets | 1.2848% | 1,843 |
| Return on assets (ROA) | 1.2848% | 1,841 |
| Pretax return on assets | 1.6270% | 1,411 |
| Return on Equity (ROE) | 9.9653% | 2,574 |
| Retained earnings to average equity (ytd only) | 9.9653% | 938 |
| Net charge-offs to loans | 0.0573% | 1,787 |
| Credit loss provision to net charge-offs | 501.5625% | 699 |
| Earnings coverage of net charge-offs (x) | 40.1563% | 1,294 |
| Efficiency ratio | 74.0327% | 1,704 |
| Assets per employee ($millions) | 6.7105% | 1,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.2784% | 5,431 |
| Loan loss allowance to noncurrent loans | 28.4639% | 4,786 |
| Noncurrent assets plus other real estate owned to assets | 0.8015% | 1,864 |
| Noncurrent loans to loans | 0.9782% | 1,787 |
| Net loans and leases to total assets | 81.7114% | 742 |
| Net loans and leases to deposits | 98.9882% | 884 |
| Net loans and leases to core deposits | 107.6405% | 1,140 |
| Total domestic deposits to total assets | 82.5467% | 3,553 |
| Equity capital to assets | 12.9462% | 1,325 |
| Core capital (leverage) ratio | 9.8567% | 3,730 |
| Tier 1 risk-based capital ratio | 12.3606% | 4,269 |
| Total risk-based capital ratio | 12.6608% | 4,738 |
| Memoranda: |
| Average total assets | $276,453,000 | 2,310 |
| Average earning assets | $253,449,670 | 2,332 |
| Average equity | $35,643,670 | 2,059 |
| Average total loans | $223,444,000 | 2,000 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5457% | 257 |
| Cost of funding earning assets | 1.0644% | 271 |
| Net interest margin | 4.4812% | 644 |
| Noninterest income to average assets | 3.3314% | 141 |
| Noninterest expense to average assets | 5.6839% | 154 |
| Loan and lease loss provision to assets | 0.3565% | 337 |
| Net operating income to assets | 1.1002% | 2,418 |
| Return on assets (ROA) | 1.1002% | 2,432 |
| Pretax return on assets | 1.3939% | 2,032 |
| Return on Equity (ROE) | 8.5516% | 3,128 |
| Retained earnings to average equity (ytd only) | 8.5516% | 1,639 |
| Net charge-offs to loans | 0.1220% | 1,057 |
| Credit loss provision to net charge-offs | 364.1791% | 722 |
| Earnings coverage of net charge-offs (x) | 17.8806% | 1,556 |
| Efficiency ratio | 75.4717% | 1,671 |
| Assets per employee ($millions) | 6.6949% | 1,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.2514% | 5,507 |
| Loan loss allowance to noncurrent loans | 23.2645% | 4,890 |
| Noncurrent assets plus other real estate owned to assets | 0.8816% | 1,803 |
| Noncurrent loans to loans | 1.0804% | 1,698 |
| Net loans and leases to total assets | 81.3942% | 739 |
| Net loans and leases to deposits | 99.8896% | 714 |
| Net loans and leases to core deposits | 110.3320% | 984 |
| Total domestic deposits to total assets | 81.4842% | 4,102 |
| Equity capital to assets | 12.9411% | 1,277 |
| Core capital (leverage) ratio | 9.7003% | 3,843 |
| Tier 1 risk-based capital ratio | 11.9388% | 4,582 |
| Total risk-based capital ratio | 12.2037% | 5,059 |
| Memoranda: |
| Average total assets | $273,758,000 | 2,344 |
| Average earning assets | $250,646,000 | 2,372 |
| Average equity | $35,221,500 | 2,087 |
| Average total loans | $219,695,500 | 2,042 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4519% | 4,856 |
| Cost of funding earning assets | 0.5402% | 2,030 |
| Net interest margin | 2.9117% | 5,029 |
| Noninterest income to average assets | 2.6886% | 199 |
| Noninterest expense to average assets | 3.8715% | 638 |
| Loan and lease loss provision to assets | 0.3070% | 558 |
| Net operating income to assets | 0.9458% | 2,470 |
| Return on assets (ROA) | 0.9458% | 2,497 |
| Pretax return on assets | 1.1891% | 2,813 |
| Return on Equity (ROE) | 6.9585% | 3,300 |
| Retained earnings to average equity (ytd only) | 6.9585% | 1,095 |
| Net charge-offs to loans | 0.1857% | 1,360 |
| Credit loss provision to net charge-offs | 208.1232% | 1,314 |
| Earnings coverage of net charge-offs (x) | 10.1429% | 2,711 |
| Efficiency ratio | 71.1570% | 2,365 |
| Assets per employee ($millions) | 6.2051% | 1,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.1792% | 5,585 |
| Loan loss allowance to noncurrent loans | 16.7100% | 5,001 |
| Noncurrent assets plus other real estate owned to assets | 0.8461% | 1,845 |
| Noncurrent loans to loans | 1.0724% | 1,661 |
| Net loans and leases to total assets | 78.7555% | 1,172 |
| Net loans and leases to deposits | 98.4051% | 867 |
| Net loans and leases to core deposits | 107.6908% | 1,156 |
| Total domestic deposits to total assets | 80.0319% | 4,331 |
| Equity capital to assets | 12.7904% | 1,361 |
| Core capital (leverage) ratio | 9.9962% | 3,459 |
| Tier 1 risk-based capital ratio | 11.8086% | 4,654 |
| Total risk-based capital ratio | 11.9914% | 5,171 |
| Memoranda: |
| Average total assets | $242,024,000 | 2,552 |
| Average earning assets | $222,686,600 | 2,562 |
| Average equity | $32,894,800 | 2,171 |
| Average total loans | $192,259,400 | 2,225 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8646% | 5,494 |
| Cost of funding earning assets | 0.4118% | 3,071 |
| Net interest margin | 2.4528% | 5,500 |
| Noninterest income to average assets | 2.1678% | 279 |
| Noninterest expense to average assets | 3.0909% | 1,829 |
| Loan and lease loss provision to assets | 0.1269% | 1,708 |
| Net operating income to assets | 0.7928% | 3,547 |
| Return on assets (ROA) | 0.7928% | 3,599 |
| Pretax return on assets | 1.2111% | 2,857 |
| Return on Equity (ROE) | 5.7345% | 4,231 |
| Retained earnings to average equity (ytd only) | 5.7345% | 2,409 |
| Net charge-offs to loans | -0.0014% | 4,294 |
| Credit loss provision to net charge-offs | -11,150.0000% | 5,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7998% | 2,739 |
| Assets per employee ($millions) | 5.6987% | 1,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.1122% | 5,670 |
| Loan loss allowance to noncurrent loans | 181.4516% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.0495% | 4,987 |
| Noncurrent loans to loans | 0.0619% | 4,835 |
| Net loans and leases to total assets | 79.8519% | 1,003 |
| Net loans and leases to deposits | 98.4424% | 872 |
| Net loans and leases to core deposits | 107.5306% | 1,167 |
| Total domestic deposits to total assets | 81.1153% | 4,017 |
| Equity capital to assets | 13.5932% | 1,124 |
| Core capital (leverage) ratio | 10.1213% | 3,417 |
| Tier 1 risk-based capital ratio | 11.6996% | 4,828 |
| Total risk-based capital ratio | 11.8095% | 5,362 |
| Memoranda: |
| Average total assets | $234,273,500 | 2,633 |
| Average earning assets | $215,967,750 | 2,632 |
| Average equity | $32,388,250 | 2,217 |
| Average total loans | $186,472,000 | 2,285 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.4854% | 5,752 |
| Cost of funding earning assets | 0.2001% | 4,984 |
| Net interest margin | 1.2853% | 5,750 |
| Noninterest income to average assets | 1.1233% | 793 |
| Noninterest expense to average assets | 1.5928% | 5,501 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4353% | 4,880 |
| Return on assets (ROA) | 0.4353% | 4,906 |
| Pretax return on assets | 0.7212% | 4,492 |
| Return on Equity (ROE) | 3.1298% | 5,077 |
| Retained earnings to average equity (ytd only) | 3.1298% | 3,846 |
| Net charge-offs to loans | -0.0022% | 4,190 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8504% | 3,039 |
| Assets per employee ($millions) | 5.6754% | 1,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0011% | 5,730 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 78.0375% | 1,242 |
| Net loans and leases to deposits | 94.8880% | 1,188 |
| Net loans and leases to core deposits | 102.7766% | 1,450 |
| Total domestic deposits to total assets | 82.2417% | 3,819 |
| Equity capital to assets | 13.6083% | 1,109 |
| Core capital (leverage) ratio | 9.8558% | 3,706 |
| Tier 1 risk-based capital ratio | 11.3810% | 5,030 |
| Total risk-based capital ratio | 11.3820% | 5,542 |
| Memoranda: |
| Average total assets | $228,783,670 | 2,692 |
| Average earning assets | $211,930,000 | 2,678 |
| Average equity | $31,823,000 | 2,239 |
| Average total loans | $181,813,330 | 2,327 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1736% | 397 |
| Cost of funding earning assets | 0.6107% | 1,296 |
| Net interest margin | 4.5629% | 464 |
| Noninterest income to average assets | 6.0754% | 97 |
| Noninterest expense to average assets | 6.6180% | 137 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.4025% | 161 |
| Return on assets (ROA) | 2.4001% | 166 |
| Pretax return on assets | 3.7512% | 91 |
| Return on Equity (ROE) | 17.0514% | 405 |
| Retained earnings to average equity (ytd only) | 17.0514% | 165 |
| Net charge-offs to loans | 0.0113% | 2,598 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 415.2000% | 136 |
| Efficiency ratio | 63.8012% | 3,869 |
| Assets per employee ($millions) | 5.5898% | 1,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9217% | 4,673 |
| Loan loss allowance to noncurrent loans | 6,760.0000% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0109% | 5,314 |
| Noncurrent loans to loans | 0.0136% | 5,186 |
| Net loans and leases to total assets | 79.2707% | 937 |
| Net loans and leases to deposits | 98.2016% | 756 |
| Net loans and leases to core deposits | 106.4781% | 1,066 |
| Total domestic deposits to total assets | 80.7224% | 4,477 |
| Equity capital to assets | 13.8906% | 936 |
| Core capital (leverage) ratio | 14.1558% | 799 |
| Tier 1 risk-based capital ratio | 15.9028% | 2,591 |
| Total risk-based capital ratio | 16.7585% | 2,681 |
| Memoranda: |
| Average total assets | $221,154,000 | 2,783 |
| Average earning assets | $208,288,000 | 2,746 |
| Average equity | $31,129,500 | 2,285 |
| Average total loans | $177,496,500 | 2,383 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3714% | 309 |
| Cost of funding earning assets | 0.6337% | 1,142 |
| Net interest margin | 4.7377% | 399 |
| Noninterest income to average assets | 6.7940% | 87 |
| Noninterest expense to average assets | 7.6281% | 114 |
| Loan and lease loss provision to assets | 0.2940% | 647 |
| Net operating income to assets | 2.1352% | 252 |
| Return on assets (ROA) | 2.1352% | 258 |
| Pretax return on assets | 3.3087% | 91 |
| Return on Equity (ROE) | 15.1318% | 612 |
| Retained earnings to average equity (ytd only) | 15.1318% | 105 |
| Net charge-offs to loans | 0.2846% | 966 |
| Credit loss provision to net charge-offs | 128.6026% | 2,083 |
| Earnings coverage of net charge-offs (x) | 15.7598% | 2,178 |
| Efficiency ratio | 67.9214% | 3,247 |
| Assets per employee ($millions) | 4.9564% | 2,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9876% | 4,404 |
| Loan loss allowance to noncurrent loans | 4,346.1538% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.0183% | 5,321 |
| Noncurrent loans to loans | 0.0227% | 5,179 |
| Net loans and leases to total assets | 79.7340% | 926 |
| Net loans and leases to deposits | 96.8770% | 918 |
| Net loans and leases to core deposits | 103.4694% | 1,324 |
| Total domestic deposits to total assets | 82.3043% | 3,992 |
| Equity capital to assets | 14.2752% | 802 |
| Core capital (leverage) ratio | 14.3634% | 725 |
| Tier 1 risk-based capital ratio | 16.2765% | 2,434 |
| Total risk-based capital ratio | 17.1868% | 2,509 |
| Memoranda: |
| Average total assets | $200,352,200 | 2,950 |
| Average earning assets | $187,624,400 | 2,922 |
| Average equity | $28,271,600 | 2,494 |
| Average total loans | $160,926,200 | 2,509 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3635% | 324 |
| Cost of funding earning assets | 0.6415% | 1,089 |
| Net interest margin | 4.7220% | 420 |
| Noninterest income to average assets | 7.0506% | 85 |
| Noninterest expense to average assets | 8.0650% | 103 |
| Loan and lease loss provision to assets | 0.3003% | 565 |
| Net operating income to assets | 2.0261% | 328 |
| Return on assets (ROA) | 2.0261% | 341 |
| Pretax return on assets | 3.1054% | 112 |
| Return on Equity (ROE) | 14.4034% | 756 |
| Retained earnings to average equity (ytd only) | 14.4034% | 153 |
| Net charge-offs to loans | 0.2654% | 879 |
| Credit loss provision to net charge-offs | 140.9524% | 1,857 |
| Earnings coverage of net charge-offs (x) | 15.9873% | 2,146 |
| Efficiency ratio | 70.3101% | 2,847 |
| Assets per employee ($millions) | 5.1483% | 2,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0174% | 4,312 |
| Loan loss allowance to noncurrent loans | 3,386.0000% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.0237% | 5,415 |
| Noncurrent loans to loans | 0.0300% | 5,262 |
| Net loans and leases to total assets | 78.0321% | 1,190 |
| Net loans and leases to deposits | 95.4033% | 1,109 |
| Net loans and leases to core deposits | 108.0079% | 1,052 |
| Total domestic deposits to total assets | 81.7918% | 4,006 |
| Equity capital to assets | 13.9401% | 1,060 |
| Core capital (leverage) ratio | 13.9155% | 874 |
| Tier 1 risk-based capital ratio | 16.2306% | 2,535 |
| Total risk-based capital ratio | 17.1764% | 2,596 |
| Memoranda: |
| Average total assets | $197,159,000 | 2,999 |
| Average earning assets | $184,550,750 | 2,976 |
| Average equity | $27,733,500 | 2,545 |
| Average total loans | $158,250,750 | 2,545 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2313% | 405 |
| Cost of funding earning assets | 0.6333% | 1,125 |
| Net interest margin | 4.5980% | 511 |
| Noninterest income to average assets | 7.2596% | 85 |
| Noninterest expense to average assets | 8.7909% | 86 |
| Loan and lease loss provision to assets | 0.4613% | 302 |
| Net operating income to assets | 1.4918% | 908 |
| Return on assets (ROA) | 1.4918% | 948 |
| Pretax return on assets | 2.2990% | 304 |
| Return on Equity (ROE) | 10.5706% | 1,821 |
| Retained earnings to average equity (ytd only) | 10.5706% | 496 |
| Net charge-offs to loans | 0.4243% | 535 |
| Credit loss provision to net charge-offs | 134.5455% | 1,736 |
| Earnings coverage of net charge-offs (x) | 8.0515% | 2,555 |
| Efficiency ratio | 76.1040% | 2,063 |
| Assets per employee ($millions) | 5.1721% | 2,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0218% | 4,394 |
| Loan loss allowance to noncurrent loans | 2,796.6667% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.0290% | 5,474 |
| Noncurrent loans to loans | 0.0365% | 5,321 |
| Net loans and leases to total assets | 78.5637% | 1,127 |
| Net loans and leases to deposits | 95.4662% | 1,136 |
| Net loans and leases to core deposits | 109.1769% | 969 |
| Total domestic deposits to total assets | 82.2948% | 3,912 |
| Equity capital to assets | 13.4830% | 1,246 |
| Core capital (leverage) ratio | 13.9289% | 842 |
| Tier 1 risk-based capital ratio | 15.9127% | 2,686 |
| Total risk-based capital ratio | 16.8799% | 2,745 |
| Memoranda: |
| Average total assets | $192,518,330 | 3,063 |
| Average earning assets | $179,686,670 | 3,049 |
| Average equity | $27,169,670 | 2,583 |
| Average total loans | $155,533,000 | 2,583 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2818% | 365 |
| Cost of funding earning assets | 0.6236% | 1,195 |
| Net interest margin | 4.6582% | 453 |
| Noninterest income to average assets | 7.4934% | 81 |
| Noninterest expense to average assets | 8.8941% | 86 |
| Loan and lease loss provision to assets | 0.2698% | 627 |
| Net operating income to assets | 1.7439% | 522 |
| Return on assets (ROA) | 1.7439% | 557 |
| Pretax return on assets | 2.6827% | 179 |
| Return on Equity (ROE) | 12.0563% | 1,301 |
| Retained earnings to average equity (ytd only) | 12.0563% | 500 |
| Net charge-offs to loans | -0.0132% | 4,657 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0774% | 2,316 |
| Assets per employee ($millions) | 4.8433% | 2,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0803% | 4,166 |
| Loan loss allowance to noncurrent loans | 188.6414% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.4635% | 3,736 |
| Noncurrent loans to loans | 0.5727% | 3,475 |
| Net loans and leases to total assets | 80.0676% | 800 |
| Net loans and leases to deposits | 96.6623% | 877 |
| Net loans and leases to core deposits | 110.1254% | 849 |
| Total domestic deposits to total assets | 82.8323% | 3,956 |
| Equity capital to assets | 14.0593% | 957 |
| Core capital (leverage) ratio | 14.5507% | 687 |
| Tier 1 risk-based capital ratio | 16.7509% | 2,375 |
| Total risk-based capital ratio | 17.8017% | 2,412 |
| Memoranda: |
| Average total assets | $185,336,000 | 3,141 |
| Average earning assets | $173,198,500 | 3,117 |
| Average equity | $26,807,500 | 2,610 |
| Average total loans | $151,193,000 | 2,630 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3226% | 358 |
| Cost of funding earning assets | 0.5622% | 1,657 |
| Net interest margin | 4.7604% | 406 |
| Noninterest income to average assets | 8.5503% | 76 |
| Noninterest expense to average assets | 9.8092% | 74 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.0111% | 339 |
| Return on assets (ROA) | 2.0107% | 348 |
| Pretax return on assets | 3.1087% | 113 |
| Return on Equity (ROE) | 13.8725% | 859 |
| Retained earnings to average equity (ytd only) | 13.8725% | 167 |
| Net charge-offs to loans | 0.0927% | 2,505 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 40.4427% | 1,172 |
| Efficiency ratio | 75.9313% | 2,283 |
| Assets per employee ($millions) | 4.7822% | 2,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0743% | 4,183 |
| Loan loss allowance to noncurrent loans | 170.0000% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.5199% | 3,559 |
| Noncurrent loans to loans | 0.6320% | 3,288 |
| Net loans and leases to total assets | 81.3899% | 654 |
| Net loans and leases to deposits | 104.5049% | 416 |
| Net loans and leases to core deposits | 120.7413% | 459 |
| Total domestic deposits to total assets | 77.8815% | 5,192 |
| Equity capital to assets | 14.9077% | 685 |
| Core capital (leverage) ratio | 15.0228% | 610 |
| Tier 1 risk-based capital ratio | 17.2994% | 2,180 |
| Total risk-based capital ratio | 18.3301% | 2,210 |
| Memoranda: |
| Average total assets | $170,390,800 | 3,295 |
| Average earning assets | $156,353,400 | 3,310 |
| Average equity | $24,696,400 | 2,723 |
| Average total loans | $141,251,400 | 2,711 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3592% | 343 |
| Cost of funding earning assets | 0.5609% | 1,705 |
| Net interest margin | 4.7983% | 379 |
| Noninterest income to average assets | 8.7463% | 79 |
| Noninterest expense to average assets | 9.9370% | 79 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.1330% | 288 |
| Return on assets (ROA) | 2.1325% | 305 |
| Pretax return on assets | 3.2022% | 107 |
| Return on Equity (ROE) | 14.8236% | 750 |
| Retained earnings to average equity (ytd only) | 14.8236% | 172 |
| Net charge-offs to loans | 0.1370% | 1,763 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 28.1521% | 1,551 |
| Efficiency ratio | 75.6238% | 2,302 |
| Assets per employee ($millions) | 4.3305% | 3,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0932% | 4,266 |
| Loan loss allowance to noncurrent loans | 161.8998% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 0.5672% | 3,597 |
| Noncurrent loans to loans | 0.6752% | 3,301 |
| Net loans and leases to total assets | 83.0866% | 462 |
| Net loans and leases to deposits | 99.6400% | 687 |
| Net loans and leases to core deposits | 115.1470% | 629 |
| Total domestic deposits to total assets | 83.3868% | 3,660 |
| Equity capital to assets | 15.2194% | 692 |
| Core capital (leverage) ratio | 14.7264% | 692 |
| Tier 1 risk-based capital ratio | 17.0266% | 2,367 |
| Total risk-based capital ratio | 18.0610% | 2,395 |
| Memoranda: |
| Average total assets | $168,753,000 | 3,353 |
| Average earning assets | $154,522,250 | 3,360 |
| Average equity | $24,276,000 | 2,777 |
| Average total loans | $140,170,000 | 2,744 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3892% | 316 |
| Cost of funding earning assets | 0.5514% | 1,800 |
| Net interest margin | 4.8378% | 337 |
| Noninterest income to average assets | 8.7192% | 83 |
| Noninterest expense to average assets | 9.9842% | 78 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.1090% | 309 |
| Return on assets (ROA) | 2.1090% | 320 |
| Pretax return on assets | 3.1344% | 122 |
| Return on Equity (ROE) | 14.9496% | 739 |
| Retained earnings to average equity (ytd only) | 14.9496% | 191 |
| Net charge-offs to loans | 0.1891% | 1,323 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 20.0303% | 1,727 |
| Efficiency ratio | 76.1070% | 2,335 |
| Assets per employee ($millions) | 4.6437% | 2,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0780% | 4,448 |
| Loan loss allowance to noncurrent loans | 154.2942% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 0.5896% | 3,642 |
| Noncurrent loans to loans | 0.6987% | 3,394 |
| Net loans and leases to total assets | 83.4742% | 417 |
| Net loans and leases to deposits | 99.1593% | 712 |
| Net loans and leases to core deposits | 116.6583% | 573 |
| Total domestic deposits to total assets | 84.1819% | 3,491 |
| Equity capital to assets | 14.3921% | 845 |
| Core capital (leverage) ratio | 14.4062% | 732 |
| Tier 1 risk-based capital ratio | 16.3428% | 2,691 |
| Total risk-based capital ratio | 17.3801% | 2,747 |
| Memoranda: |
| Average total assets | $168,707,330 | 3,376 |
| Average earning assets | $153,418,000 | 3,396 |
| Average equity | $23,800,000 | 2,830 |
| Average total loans | $139,601,330 | 2,753 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5504% | 240 |
| Cost of funding earning assets | 0.5390% | 1,932 |
| Net interest margin | 5.0113% | 245 |
| Noninterest income to average assets | 8.3803% | 87 |
| Noninterest expense to average assets | 10.1655% | 79 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.7708% | 507 |
| Return on assets (ROA) | 1.7708% | 535 |
| Pretax return on assets | 2.7089% | 188 |
| Return on Equity (ROE) | 12.6843% | 1,169 |
| Retained earnings to average equity (ytd only) | 12.6843% | 484 |
| Net charge-offs to loans | -0.0088% | 4,669 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9591% | 2,050 |
| Assets per employee ($millions) | 4.7550% | 2,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1911% | 4,032 |
| Loan loss allowance to noncurrent loans | 303.7567% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.3266% | 4,680 |
| Noncurrent loans to loans | 0.3921% | 4,419 |
| Net loans and leases to total assets | 82.2895% | 432 |
| Net loans and leases to deposits | 104.4249% | 355 |
| Net loans and leases to core deposits | 123.0672% | 350 |
| Total domestic deposits to total assets | 78.8026% | 5,298 |
| Equity capital to assets | 13.8689% | 1,027 |
| Core capital (leverage) ratio | 14.4361% | 707 |
| Tier 1 risk-based capital ratio | 15.6621% | 3,074 |
| Total risk-based capital ratio | 16.7889% | 3,069 |
| Memoranda: |
| Average total assets | $167,153,000 | 3,412 |
| Average earning assets | $149,900,000 | 3,469 |
| Average equity | $23,336,000 | 2,897 |
| Average total loans | $136,909,500 | 2,790 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5648% | 286 |
| Cost of funding earning assets | 0.5309% | 2,382 |
| Net interest margin | 5.0340% | 288 |
| Noninterest income to average assets | 9.1414% | 73 |
| Noninterest expense to average assets | 10.2506% | 73 |
| Loan and lease loss provision to assets | 0.3151% | 639 |
| Net operating income to assets | 2.0026% | 327 |
| Return on assets (ROA) | 2.0013% | 339 |
| Pretax return on assets | 3.1406% | 98 |
| Return on Equity (ROE) | 14.9289% | 789 |
| Retained earnings to average equity (ytd only) | 14.9289% | 150 |
| Net charge-offs to loans | 0.8722% | 375 |
| Credit loss provision to net charge-offs | 44.1256% | 3,601 |
| Earnings coverage of net charge-offs (x) | 4.8422% | 3,553 |
| Efficiency ratio | 74.7769% | 2,702 |
| Assets per employee ($millions) | 4.6607% | 2,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2914% | 3,470 |
| Loan loss allowance to noncurrent loans | 284.8739% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.3648% | 4,611 |
| Noncurrent loans to loans | 0.4533% | 4,292 |
| Net loans and leases to total assets | 79.4250% | 817 |
| Net loans and leases to deposits | 102.3421% | 498 |
| Net loans and leases to core deposits | 123.4841% | 334 |
| Total domestic deposits to total assets | 77.6074% | 5,504 |
| Equity capital to assets | 14.0573% | 935 |
| Core capital (leverage) ratio | 13.8865% | 844 |
| Tier 1 risk-based capital ratio | 16.3527% | 2,785 |
| Total risk-based capital ratio | 17.5608% | 2,753 |
| Memoranda: |
| Average total assets | $156,146,800 | 3,551 |
| Average earning assets | $141,657,800 | 3,575 |
| Average equity | $20,932,600 | 3,062 |
| Average total loans | $127,840,600 | 2,904 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4943% | 320 |
| Cost of funding earning assets | 0.5231% | 2,540 |
| Net interest margin | 4.9711% | 318 |
| Noninterest income to average assets | 8.7864% | 74 |
| Noninterest expense to average assets | 10.2578% | 72 |
| Loan and lease loss provision to assets | 0.4249% | 384 |
| Net operating income to assets | 1.7296% | 580 |
| Return on assets (ROA) | 1.7296% | 600 |
| Pretax return on assets | 2.6415% | 174 |
| Return on Equity (ROE) | 13.0700% | 1,207 |
| Retained earnings to average equity (ytd only) | 13.0700% | 327 |
| Net charge-offs to loans | 1.1801% | 235 |
| Credit loss provision to net charge-offs | 43.7722% | 3,222 |
| Earnings coverage of net charge-offs (x) | 3.1593% | 3,720 |
| Efficiency ratio | 76.9864% | 2,356 |
| Assets per employee ($millions) | 4.7725% | 2,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2565% | 3,899 |
| Loan loss allowance to noncurrent loans | 266.7722% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.3895% | 4,758 |
| Noncurrent loans to loans | 0.4710% | 4,495 |
| Net loans and leases to total assets | 81.6530% | 545 |
| Net loans and leases to deposits | 99.9050% | 620 |
| Net loans and leases to core deposits | 120.4971% | 386 |
| Total domestic deposits to total assets | 81.7306% | 4,573 |
| Equity capital to assets | 13.3996% | 1,230 |
| Core capital (leverage) ratio | 13.4821% | 1,002 |
| Tier 1 risk-based capital ratio | 15.5378% | 3,295 |
| Total risk-based capital ratio | 16.7383% | 3,268 |
| Memoranda: |
| Average total assets | $154,402,250 | 3,601 |
| Average earning assets | $140,943,750 | 3,616 |
| Average equity | $20,433,000 | 3,122 |
| Average total loans | $126,986,500 | 2,929 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4687% | 322 |
| Cost of funding earning assets | 0.5070% | 2,760 |
| Net interest margin | 4.9617% | 301 |
| Noninterest income to average assets | 8.2052% | 78 |
| Noninterest expense to average assets | 10.4045% | 70 |
| Loan and lease loss provision to assets | 0.6483% | 214 |
| Net operating income to assets | 1.0805% | 2,007 |
| Return on assets (ROA) | 1.0805% | 2,076 |
| Pretax return on assets | 1.6656% | 1,099 |
| Return on Equity (ROE) | 8.2015% | 2,986 |
| Retained earnings to average equity (ytd only) | 8.2015% | 1,247 |
| Net charge-offs to loans | 1.7144% | 141 |
| Credit loss provision to net charge-offs | 46.0674% | 2,850 |
| Earnings coverage of net charge-offs (x) | 1.6442% | 3,749 |
| Efficiency ratio | 81.8069% | 1,764 |
| Assets per employee ($millions) | 4.5441% | 2,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3480% | 3,597 |
| Loan loss allowance to noncurrent loans | 236.3636% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.9343% | 3,211 |
| Noncurrent loans to loans | 0.5703% | 4,306 |
| Net loans and leases to total assets | 80.1578% | 672 |
| Net loans and leases to deposits | 97.6702% | 690 |
| Net loans and leases to core deposits | 118.1726% | 419 |
| Total domestic deposits to total assets | 82.0699% | 4,620 |
| Equity capital to assets | 12.9297% | 1,408 |
| Core capital (leverage) ratio | 13.3492% | 1,035 |
| Tier 1 risk-based capital ratio | 15.3363% | 3,451 |
| Total risk-based capital ratio | 16.5870% | 3,401 |
| Memoranda: |
| Average total assets | $151,781,000 | 3,652 |
| Average earning assets | $138,057,330 | 3,675 |
| Average equity | $19,996,330 | 3,170 |
| Average total loans | $124,588,330 | 2,979 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3969% | 349 |
| Cost of funding earning assets | 0.4747% | 3,179 |
| Net interest margin | 4.9222% | 311 |
| Noninterest income to average assets | 8.2971% | 73 |
| Noninterest expense to average assets | 10.3517% | 69 |
| Loan and lease loss provision to assets | 1.3284% | 78 |
| Net operating income to assets | 0.6750% | 3,817 |
| Return on assets (ROA) | 0.6750% | 3,900 |
| Pretax return on assets | 1.0962% | 2,922 |
| Return on Equity (ROE) | 5.0729% | 4,512 |
| Retained earnings to average equity (ytd only) | 5.0729% | 3,079 |
| Net charge-offs to loans | 3.5005% | 50 |
| Credit loss provision to net charge-offs | 45.9813% | 2,249 |
| Earnings coverage of net charge-offs (x) | 0.8393% | 3,253 |
| Efficiency ratio | 81.0228% | 2,047 |
| Assets per employee ($millions) | 4.3354% | 3,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3871% | 3,669 |
| Loan loss allowance to noncurrent loans | 135.0343% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 1.3589% | 2,597 |
| Noncurrent loans to loans | 1.0272% | 3,369 |
| Net loans and leases to total assets | 83.0675% | 291 |
| Net loans and leases to deposits | 103.2834% | 317 |
| Net loans and leases to core deposits | 125.8638% | 230 |
| Total domestic deposits to total assets | 80.4268% | 5,396 |
| Equity capital to assets | 13.1226% | 1,253 |
| Core capital (leverage) ratio | 13.5687% | 954 |
| Tier 1 risk-based capital ratio | 14.8394% | 3,790 |
| Total risk-based capital ratio | 16.0898% | 3,745 |
| Memoranda: |
| Average total assets | $148,149,000 | 3,733 |
| Average earning assets | $134,818,000 | 3,748 |
| Average equity | $19,712,500 | 3,200 |
| Average total loans | $122,268,000 | 3,024 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6077% | 310 |
| Cost of funding earning assets | 0.4443% | 4,170 |
| Net interest margin | 5.1635% | 229 |
| Noninterest income to average assets | 10.3120% | 63 |
| Noninterest expense to average assets | 11.6469% | 63 |
| Loan and lease loss provision to assets | 0.9367% | 201 |
| Net operating income to assets | 3.2607% | 89 |
| Return on assets (ROA) | 3.2834% | 88 |
| Pretax return on assets | 2.5713% | 185 |
| Return on Equity (ROE) | 23.9388% | 149 |
| Retained earnings to average equity (ytd only) | 23.9388% | 54 |
| Net charge-offs to loans | 0.2048% | 2,834 |
| Credit loss provision to net charge-offs | 551.6129% | 423 |
| Earnings coverage of net charge-offs (x) | 20.5253% | 1,545 |
| Efficiency ratio | 76.9676% | 2,621 |
| Assets per employee ($millions) | 4.3806% | 3,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9860% | 1,588 |
| Loan loss allowance to noncurrent loans | 309.0667% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 1.0369% | 3,351 |
| Noncurrent loans to loans | 0.6426% | 4,372 |
| Net loans and leases to total assets | 79.1367% | 694 |
| Net loans and leases to deposits | 107.1924% | 227 |
| Net loans and leases to core deposits | 127.7085% | 220 |
| Total domestic deposits to total assets | 73.8268% | 6,291 |
| Equity capital to assets | 13.4982% | 1,068 |
| Core capital (leverage) ratio | 13.9448% | 835 |
| Tier 1 risk-based capital ratio | 15.9425% | 3,121 |
| Total risk-based capital ratio | 17.1999% | 3,079 |
| Memoranda: |
| Average total assets | $127,793,400 | 4,117 |
| Average earning assets | $119,299,600 | 4,061 |
| Average equity | $17,528,000 | 3,493 |
| Average total loans | $105,949,600 | 3,327 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5629% | 339 |
| Cost of funding earning assets | 0.4338% | 4,463 |
| Net interest margin | 5.1292% | 242 |
| Noninterest income to average assets | 10.3103% | 68 |
| Noninterest expense to average assets | 11.8744% | 65 |
| Loan and lease loss provision to assets | 0.3064% | 1,107 |
| Net operating income to assets | 2.9891% | 109 |
| Return on assets (ROA) | 3.0225% | 106 |
| Pretax return on assets | 3.0225% | 138 |
| Return on Equity (ROE) | 21.9350% | 206 |
| Retained earnings to average equity (ytd only) | 21.9350% | 67 |
| Net charge-offs to loans | -0.0065% | 5,818 |
| Credit loss provision to net charge-offs | -5,680.0000% | 6,363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2763% | 2,379 |
| Assets per employee ($millions) | 4.1187% | 3,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4520% | 3,678 |
| Loan loss allowance to noncurrent loans | 150.7878% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 1.4818% | 2,709 |
| Noncurrent loans to loans | 0.9629% | 3,888 |
| Net loans and leases to total assets | 83.7857% | 259 |
| Net loans and leases to deposits | 116.3725% | 92 |
| Net loans and leases to core deposits | 129.3617% | 198 |
| Total domestic deposits to total assets | 71.9978% | 6,495 |
| Equity capital to assets | 13.7917% | 1,023 |
| Core capital (leverage) ratio | 14.3993% | 760 |
| Tier 1 risk-based capital ratio | 16.1449% | 3,105 |
| Total risk-based capital ratio | 17.3972% | 3,068 |
| Memoranda: |
| Average total assets | $123,601,750 | 4,232 |
| Average earning assets | $117,105,250 | 4,147 |
| Average equity | $17,031,750 | 3,597 |
| Average total loans | $103,257,500 | 3,401 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6027% | 317 |
| Cost of funding earning assets | 0.4303% | 4,657 |
| Net interest margin | 5.1724% | 220 |
| Noninterest income to average assets | 10.4890% | 68 |
| Noninterest expense to average assets | 12.0030% | 64 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 3.3987% | 87 |
| Return on assets (ROA) | 3.4500% | 87 |
| Pretax return on assets | 3.4500% | 109 |
| Return on Equity (ROE) | 25.0450% | 123 |
| Retained earnings to average equity (ytd only) | 25.0450% | 52 |
| Net charge-offs to loans | -0.0060% | 5,666 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9330% | 2,467 |
| Assets per employee ($millions) | 3.9299% | 3,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2862% | 4,574 |
| Loan loss allowance to noncurrent loans | 167.2070% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 1.3327% | 3,107 |
| Noncurrent loans to loans | 0.7692% | 4,381 |
| Net loans and leases to total assets | 81.8402% | 368 |
| Net loans and leases to deposits | 110.1645% | 141 |
| Net loans and leases to core deposits | 124.0391% | 254 |
| Total domestic deposits to total assets | 74.2891% | 6,420 |
| Equity capital to assets | 13.9850% | 976 |
| Core capital (leverage) ratio | 14.4079% | 722 |
| Tier 1 risk-based capital ratio | 16.7910% | 2,792 |
| Total risk-based capital ratio | 18.0399% | 2,767 |
| Memoranda: |
| Average total assets | $120,870,000 | 4,330 |
| Average earning assets | $114,801,670 | 4,236 |
| Average equity | $16,650,000 | 3,679 |
| Average total loans | $100,325,330 | 3,480 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8799% | 204 |
| Cost of funding earning assets | 0.4321% | 4,782 |
| Net interest margin | 5.4477% | 133 |
| Noninterest income to average assets | 8.7548% | 78 |
| Noninterest expense to average assets | 12.2236% | 66 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.7260% | 547 |
| Return on assets (ROA) | 1.8307% | 505 |
| Pretax return on assets | 1.8307% | 840 |
| Return on Equity (ROE) | 13.3980% | 1,079 |
| Retained earnings to average equity (ytd only) | 13.3980% | 507 |
| Net charge-offs to loans | -0.0041% | 5,229 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6271% | 1,363 |
| Assets per employee ($millions) | 4.3704% | 3,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3190% | 4,597 |
| Loan loss allowance to noncurrent loans | 778.4884% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.8548% | 4,249 |
| Noncurrent loans to loans | 0.1694% | 5,976 |
| Net loans and leases to total assets | 81.8635% | 288 |
| Net loans and leases to deposits | 112.2443% | 106 |
| Net loans and leases to core deposits | 127.5227% | 193 |
| Total domestic deposits to total assets | 72.9334% | 6,604 |
| Equity capital to assets | 13.3650% | 1,262 |
| Core capital (leverage) ratio | 13.6846% | 879 |
| Tier 1 risk-based capital ratio | 16.0999% | 3,207 |
| Total risk-based capital ratio | 17.3509% | 3,166 |
| Memoranda: |
| Average total assets | $118,427,000 | 4,430 |
| Average earning assets | $112,927,500 | 4,310 |
| Average equity | $16,181,500 | 3,788 |
| Average total loans | $98,358,000 | 3,551 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2942% | 937 |
| Cost of funding earning assets | 0.6972% | 3,514 |
| Net interest margin | 4.5970% | 791 |
| Noninterest income to average assets | 7.8360% | 92 |
| Noninterest expense to average assets | 10.5032% | 74 |
| Loan and lease loss provision to assets | -0.1399% | 6,943 |
| Net operating income to assets | 1.8581% | 461 |
| Return on assets (ROA) | 1.8572% | 514 |
| Pretax return on assets | 1.8572% | 814 |
| Return on Equity (ROE) | 15.7875% | 689 |
| Retained earnings to average equity (ytd only) | 15.7875% | 130 |
| Net charge-offs to loans | -0.1752% | 6,920 |
| Credit loss provision to net charge-offs | 109.0909% | 2,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9410% | 1,435 |
| Assets per employee ($millions) | 4.2401% | 3,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4055% | 4,148 |
| Loan loss allowance to noncurrent loans | 297.3333% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 1.1565% | 3,727 |
| Noncurrent loans to loans | 0.4727% | 5,345 |
| Net loans and leases to total assets | 81.9876% | 326 |
| Net loans and leases to deposits | 114.8653% | 101 |
| Net loans and leases to core deposits | 124.0399% | 242 |
| Total domestic deposits to total assets | 71.3772% | 6,720 |
| Equity capital to assets | 13.9830% | 1,050 |
| Core capital (leverage) ratio | 13.3861% | 988 |
| Tier 1 risk-based capital ratio | 16.3191% | 2,987 |
| Total risk-based capital ratio | 17.5707% | 2,943 |
| Memoranda: |
| Average total assets | $120,124,800 | 4,361 |
| Average earning assets | $114,596,800 | 4,233 |
| Average equity | $14,131,400 | 4,130 |
| Average total loans | $87,886,200 | 3,795 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1012% | 1,425 |
| Cost of funding earning assets | 0.7430% | 3,405 |
| Net interest margin | 4.3582% | 1,327 |
| Noninterest income to average assets | 7.3129% | 96 |
| Noninterest expense to average assets | 9.9798% | 81 |
| Loan and lease loss provision to assets | -0.1975% | 7,085 |
| Net operating income to assets | 1.6938% | 688 |
| Return on assets (ROA) | 1.6938% | 767 |
| Pretax return on assets | 1.6938% | 1,288 |
| Return on Equity (ROE) | 15.0679% | 888 |
| Retained earnings to average equity (ytd only) | 15.0679% | 231 |
| Net charge-offs to loans | -0.2370% | 7,018 |
| Credit loss provision to net charge-offs | 117.6471% | 2,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9611% | 1,307 |
| Assets per employee ($millions) | 5.6070% | 1,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4384% | 4,202 |
| Loan loss allowance to noncurrent loans | 288.0435% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 1.1182% | 4,058 |
| Noncurrent loans to loans | 0.4994% | 5,443 |
| Net loans and leases to total assets | 70.4037% | 1,827 |
| Net loans and leases to deposits | 81.0335% | 2,246 |
| Net loans and leases to core deposits | 84.3309% | 2,660 |
| Total domestic deposits to total assets | 86.8822% | 2,748 |
| Equity capital to assets | 11.8554% | 2,387 |
| Core capital (leverage) ratio | 14.1564% | 783 |
| Tier 1 risk-based capital ratio | 15.9813% | 3,273 |
| Total risk-based capital ratio | 17.2333% | 3,238 |
| Memoranda: |
| Average total assets | $121,535,500 | 4,364 |
| Average earning assets | $116,099,750 | 4,241 |
| Average equity | $13,662,250 | 4,271 |
| Average total loans | $86,058,000 | 3,886 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1482% | 1,383 |
| Cost of funding earning assets | 0.8193% | 3,039 |
| Net interest margin | 4.3289% | 1,395 |
| Noninterest income to average assets | 7.4819% | 97 |
| Noninterest expense to average assets | 10.1898% | 77 |
| Loan and lease loss provision to assets | -0.4032% | 7,194 |
| Net operating income to assets | 1.8226% | 540 |
| Return on assets (ROA) | 1.8226% | 610 |
| Pretax return on assets | 1.8226% | 997 |
| Return on Equity (ROE) | 16.5396% | 695 |
| Retained earnings to average equity (ytd only) | 16.5396% | 203 |
| Net charge-offs to loans | -0.3594% | 7,096 |
| Credit loss provision to net charge-offs | 158.9404% | 1,752 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7731% | 1,251 |
| Assets per employee ($millions) | 4.5408% | 2,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4857% | 4,079 |
| Loan loss allowance to noncurrent loans | 544.3966% | 674 |
| Noncurrent assets plus other real estate owned to assets | 1.0283% | 4,326 |
| Noncurrent loans to loans | 0.2729% | 6,032 |
| Net loans and leases to total assets | 70.9351% | 1,745 |
| Net loans and leases to deposits | 82.2596% | 2,082 |
| Net loans and leases to core deposits | 85.9259% | 2,437 |
| Total domestic deposits to total assets | 86.2333% | 3,232 |
| Equity capital to assets | 12.5097% | 1,811 |
| Core capital (leverage) ratio | 14.6283% | 672 |
| Tier 1 risk-based capital ratio | 16.6397% | 2,837 |
| Total risk-based capital ratio | 17.8926% | 2,785 |
| Memoranda: |
| Average total assets | $119,060,000 | 4,442 |
| Average earning assets | $113,515,330 | 4,317 |
| Average equity | $13,120,000 | 4,375 |
| Average total loans | $84,037,670 | 3,974 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2145% | 1,284 |
| Cost of funding earning assets | 0.8978% | 2,715 |
| Net interest margin | 4.3166% | 1,418 |
| Noninterest income to average assets | 7.4941% | 94 |
| Noninterest expense to average assets | 10.0836% | 81 |
| Loan and lease loss provision to assets | -0.3446% | 7,240 |
| Net operating income to assets | 1.8568% | 531 |
| Return on assets (ROA) | 1.8568% | 605 |
| Pretax return on assets | 1.8568% | 957 |
| Return on Equity (ROE) | 18.0554% | 542 |
| Retained earnings to average equity (ytd only) | 18.0554% | 249 |
| Net charge-offs to loans | -0.6415% | 7,169 |
| Credit loss provision to net charge-offs | 76.8657% | 2,784 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9590% | 1,381 |
| Assets per employee ($millions) | 4.6323% | 2,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6568% | 3,515 |
| Loan loss allowance to noncurrent loans | 536.0465% | 651 |
| Noncurrent assets plus other real estate owned to assets | 1.2918% | 3,980 |
| Noncurrent loans to loans | 0.3091% | 6,064 |
| Net loans and leases to total assets | 70.8854% | 1,595 |
| Net loans and leases to deposits | 81.8814% | 1,949 |
| Net loans and leases to core deposits | 88.1315% | 2,038 |
| Total domestic deposits to total assets | 86.5709% | 3,192 |
| Equity capital to assets | 12.1598% | 1,938 |
| Core capital (leverage) ratio | 14.1459% | 764 |
| Tier 1 risk-based capital ratio | 16.1711% | 3,088 |
| Total risk-based capital ratio | 17.4258% | 3,048 |
| Memoranda: |
| Average total assets | $119,560,000 | 4,460 |
| Average earning assets | $113,607,000 | 4,342 |
| Average equity | $12,295,500 | 4,555 |
| Average total loans | $83,552,000 | 4,025 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3003% | 254 |
| Cost of funding earning assets | 1.8135% | 205 |
| Net interest margin | 4.4868% | 1,168 |
| Noninterest income to average assets | 7.7741% | 81 |
| Noninterest expense to average assets | 12.6996% | 54 |
| Loan and lease loss provision to assets | -0.1881% | 7,302 |
| Net operating income to assets | -0.5150% | 6,500 |
| Return on assets (ROA) | -0.4531% | 6,508 |
| Pretax return on assets | -0.4531% | 6,454 |
| Return on Equity (ROE) | -5.1215% | 6,534 |
| Retained earnings to average equity (ytd only) | -5.1215% | 6,456 |
| Net charge-offs to loans | 0.2106% | 4,469 |
| Credit loss provision to net charge-offs | -112.6984% | 6,707 |
| Earnings coverage of net charge-offs (x) | -4.2116% | 6,357 |
| Efficiency ratio | 105.8611% | 521 |
| Assets per employee ($millions) | 5.1380% | 2,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6166% | 3,523 |
| Loan loss allowance to noncurrent loans | 1,711.3924% | 272 |
| Noncurrent assets plus other real estate owned to assets | 1.4662% | 3,770 |
| Noncurrent loans to loans | 0.0945% | 6,576 |
| Net loans and leases to total assets | 66.7234% | 2,635 |
| Net loans and leases to deposits | 73.9106% | 3,511 |
| Net loans and leases to core deposits | 78.9200% | 3,578 |
| Total domestic deposits to total assets | 90.2759% | 836 |
| Equity capital to assets | 8.5223% | 6,119 |
| Core capital (leverage) ratio | 10.2422% | 3,038 |
| Tier 1 risk-based capital ratio | 11.9758% | 5,851 |
| Total risk-based capital ratio | 13.2308% | 5,824 |
| Memoranda: |
| Average total assets | $113,208,600 | 4,566 |
| Average earning assets | $106,534,200 | 4,492 |
| Average equity | $10,016,600 | 5,014 |
| Average total loans | $89,738,000 | 3,862 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6102% | 165 |
| Cost of funding earning assets | 2.0460% | 101 |
| Net interest margin | 4.5642% | 1,015 |
| Noninterest income to average assets | 8.0287% | 78 |
| Noninterest expense to average assets | 13.7230% | 51 |
| Loan and lease loss provision to assets | -0.0711% | 7,346 |
| Net operating income to assets | -1.3371% | 6,996 |
| Return on assets (ROA) | -1.2516% | 6,997 |
| Pretax return on assets | -1.2516% | 6,955 |
| Return on Equity (ROE) | -14.0021% | 6,994 |
| Retained earnings to average equity (ytd only) | -14.0021% | 6,967 |
| Net charge-offs to loans | 0.2878% | 3,652 |
| Credit loss provision to net charge-offs | -29.9492% | 6,444 |
| Earnings coverage of net charge-offs (x) | -5.9340% | 6,110 |
| Efficiency ratio | 111.4350% | 403 |
| Assets per employee ($millions) | 4.5840% | 2,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7178% | 3,209 |
| Loan loss allowance to noncurrent loans | 1,646.1538% | 241 |
| Noncurrent assets plus other real estate owned to assets | 1.7906% | 3,410 |
| Noncurrent loans to loans | 0.1044% | 6,665 |
| Net loans and leases to total assets | 74.7869% | 1,184 |
| Net loans and leases to deposits | 83.1079% | 2,156 |
| Net loans and leases to core deposits | 90.7805% | 2,153 |
| Total domestic deposits to total assets | 89.9877% | 871 |
| Equity capital to assets | 8.7130% | 6,072 |
| Core capital (leverage) ratio | 9.5920% | 4,009 |
| Tier 1 risk-based capital ratio | 10.9943% | 6,546 |
| Total risk-based capital ratio | 12.2494% | 6,525 |
| Memoranda: |
| Average total assets | $110,682,750 | 4,651 |
| Average earning assets | $103,937,500 | 4,573 |
| Average equity | $9,893,500 | 5,062 |
| Average total loans | $91,265,000 | 3,860 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.8472% | 131 |
| Cost of funding earning assets | 2.2421% | 64 |
| Net interest margin | 4.6051% | 902 |
| Noninterest income to average assets | 8.1863% | 81 |
| Noninterest expense to average assets | 15.2079% | 46 |
| Loan and lease loss provision to assets | -0.0841% | 7,418 |
| Net operating income to assets | -2.6221% | 7,277 |
| Return on assets (ROA) | -2.6221% | 7,283 |
| Pretax return on assets | -2.6221% | 7,268 |
| Return on Equity (ROE) | -29.0784% | 7,234 |
| Retained earnings to average equity (ytd only) | -29.0784% | 7,226 |
| Net charge-offs to loans | 0.4016% | 2,949 |
| Credit loss provision to net charge-offs | -24.7312% | 6,213 |
| Earnings coverage of net charge-offs (x) | -7.9570% | 5,817 |
| Efficiency ratio | 121.6469% | 330 |
| Assets per employee ($millions) | 4.9873% | 2,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7055% | 3,308 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9640% | 3,281 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 83.7558% | 257 |
| Net loans and leases to deposits | 100.0308% | 492 |
| Net loans and leases to core deposits | 117.4502% | 491 |
| Total domestic deposits to total assets | 83.7301% | 4,461 |
| Equity capital to assets | 9.1547% | 5,351 |
| Core capital (leverage) ratio | 8.7832% | 5,076 |
| Tier 1 risk-based capital ratio | 10.2806% | 6,881 |
| Total risk-based capital ratio | 11.5356% | 6,869 |
| Memoranda: |
| Average total assets | $109,377,330 | 4,714 |
| Average earning assets | $102,495,000 | 4,638 |
| Average equity | $9,863,000 | 5,085 |
| Average total loans | $92,619,000 | 3,872 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.9428% | 119 |
| Cost of funding earning assets | 2.2197% | 84 |
| Net interest margin | 4.7231% | 670 |
| Noninterest income to average assets | 7.9606% | 88 |
| Noninterest expense to average assets | 18.8148% | 40 |
| Loan and lease loss provision to assets | 0.0680% | 5,142 |
| Net operating income to assets | -6.5103% | 7,515 |
| Return on assets (ROA) | -6.5103% | 7,515 |
| Pretax return on assets | -6.5103% | 7,511 |
| Return on Equity (ROE) | -72.7164% | 7,471 |
| Retained earnings to average equity (ytd only) | -72.7164% | 7,463 |
| Net charge-offs to loans | -0.2375% | 7,293 |
| Credit loss provision to net charge-offs | -33.9286% | 5,632 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 152.0695% | 148 |
| Assets per employee ($millions) | 4.3297% | 3,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9735% | 2,481 |
| Loan loss allowance to noncurrent loans | 510.8939% | 630 |
| Noncurrent assets plus other real estate owned to assets | 2.3937% | 2,846 |
| Noncurrent loans to loans | 0.3863% | 6,221 |
| Net loans and leases to total assets | 83.9288% | 233 |
| Net loans and leases to deposits | 98.1080% | 566 |
| Net loans and leases to core deposits | 121.0825% | 395 |
| Total domestic deposits to total assets | 85.5473% | 3,758 |
| Equity capital to assets | 8.4135% | 6,032 |
| Core capital (leverage) ratio | 8.0684% | 6,164 |
| Tier 1 risk-based capital ratio | 9.4955% | 7,143 |
| Total risk-based capital ratio | 10.7538% | 7,148 |
| Memoranda: |
| Average total assets | $111,699,500 | 4,693 |
| Average earning assets | $104,339,000 | 4,631 |
| Average equity | $10,000,500 | 5,052 |
| Average total loans | $94,307,500 | 3,874 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6462% | 252 |
| Cost of funding earning assets | 2.2392% | 267 |
| Net interest margin | 4.4070% | 1,447 |
| Noninterest income to average assets | 6.4153% | 104 |
| Noninterest expense to average assets | 10.1404% | 77 |
| Loan and lease loss provision to assets | 0.6885% | 2,388 |
| Net operating income to assets | -0.2735% | 6,191 |
| Return on assets (ROA) | -0.2735% | 6,234 |
| Pretax return on assets | -0.2735% | 6,141 |
| Return on Equity (ROE) | -3.1563% | 6,289 |
| Retained earnings to average equity (ytd only) | -3.1563% | 6,111 |
| Net charge-offs to loans | 0.7415% | 2,799 |
| Credit loss provision to net charge-offs | 104.9322% | 4,278 |
| Earnings coverage of net charge-offs (x) | 0.6326% | 5,477 |
| Efficiency ratio | 96.0678% | 963 |
| Assets per employee ($millions) | 4.6062% | 2,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8282% | 2,765 |
| Loan loss allowance to noncurrent loans | 95.9519% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 3.5769% | 1,923 |
| Noncurrent loans to loans | 1.9054% | 3,682 |
| Net loans and leases to total assets | 81.7891% | 468 |
| Net loans and leases to deposits | 98.0879% | 710 |
| Net loans and leases to core deposits | 119.5605% | 539 |
| Total domestic deposits to total assets | 83.3834% | 4,649 |
| Equity capital to assets | 9.4602% | 4,452 |
| Core capital (leverage) ratio | 9.4106% | 3,829 |
| Tier 1 risk-based capital ratio | 10.9414% | 6,371 |
| Total risk-based capital ratio | 12.1977% | 6,339 |
| Memoranda: |
| Average total assets | $123,594,800 | 4,411 |
| Average earning assets | $116,110,800 | 4,318 |
| Average equity | $10,708,600 | 4,931 |
| Average total loans | $109,374,400 | 3,558 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6473% | 262 |
| Cost of funding earning assets | 2.2447% | 327 |
| Net interest margin | 4.4026% | 1,518 |
| Noninterest income to average assets | 6.2208% | 113 |
| Noninterest expense to average assets | 10.0763% | 77 |
| Loan and lease loss provision to assets | 0.9238% | 1,629 |
| Net operating income to assets | -0.6332% | 6,686 |
| Return on assets (ROA) | -0.6332% | 6,734 |
| Pretax return on assets | -0.6332% | 6,638 |
| Return on Equity (ROE) | -7.4654% | 6,809 |
| Retained earnings to average equity (ytd only) | -7.4654% | 6,739 |
| Net charge-offs to loans | 0.9556% | 2,083 |
| Credit loss provision to net charge-offs | 107.7970% | 3,954 |
| Earnings coverage of net charge-offs (x) | 0.3391% | 5,687 |
| Efficiency ratio | 97.1966% | 858 |
| Assets per employee ($millions) | 4.7828% | 2,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7513% | 2,981 |
| Loan loss allowance to noncurrent loans | 95.1285% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 4.2505% | 1,610 |
| Noncurrent loans to loans | 1.8410% | 3,877 |
| Net loans and leases to total assets | 86.8478% | 147 |
| Net loans and leases to deposits | 111.4191% | 231 |
| Net loans and leases to core deposits | 136.4514% | 296 |
| Total domestic deposits to total assets | 77.9470% | 6,269 |
| Equity capital to assets | 9.3085% | 5,126 |
| Core capital (leverage) ratio | 9.2370% | 4,302 |
| Tier 1 risk-based capital ratio | 10.1094% | 7,006 |
| Total risk-based capital ratio | 11.3649% | 6,986 |
| Memoranda: |
| Average total assets | $125,704,500 | 4,426 |
| Average earning assets | $118,381,250 | 4,324 |
| Average equity | $10,662,250 | 5,005 |
| Average total loans | $112,733,250 | 3,537 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6099% | 286 |
| Cost of funding earning assets | 2.2322% | 423 |
| Net interest margin | 4.3777% | 1,515 |
| Noninterest income to average assets | 6.0382% | 114 |
| Noninterest expense to average assets | 9.3534% | 88 |
| Loan and lease loss provision to assets | 1.8323% | 678 |
| Net operating income to assets | -1.0051% | 6,947 |
| Return on assets (ROA) | -1.0051% | 6,967 |
| Pretax return on assets | -1.0051% | 6,892 |
| Return on Equity (ROE) | -12.2012% | 7,047 |
| Retained earnings to average equity (ytd only) | -12.2012% | 7,005 |
| Net charge-offs to loans | 1.8525% | 1,005 |
| Credit loss provision to net charge-offs | 109.8239% | 3,709 |
| Earnings coverage of net charge-offs (x) | 0.4958% | 5,228 |
| Efficiency ratio | 91.8742% | 1,196 |
| Assets per employee ($millions) | 4.6029% | 2,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7539% | 2,887 |
| Loan loss allowance to noncurrent loans | 55.6065% | 4,592 |
| Noncurrent assets plus other real estate owned to assets | 4.2843% | 1,561 |
| Noncurrent loans to loans | 3.1541% | 2,539 |
| Net loans and leases to total assets | 88.5958% | 102 |
| Net loans and leases to deposits | 117.2704% | 160 |
| Net loans and leases to core deposits | 142.8517% | 257 |
| Total domestic deposits to total assets | 75.5484% | 6,768 |
| Equity capital to assets | 9.2168% | 5,118 |
| Core capital (leverage) ratio | 8.0265% | 6,239 |
| Tier 1 risk-based capital ratio | 9.9647% | 7,045 |
| Total risk-based capital ratio | 11.2207% | 7,022 |
| Memoranda: |
| Average total assets | $129,343,670 | 4,371 |
| Average earning assets | $122,393,000 | 4,260 |
| Average equity | $10,654,670 | 5,013 |
| Average total loans | $116,488,670 | 3,466 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2876% | 540 |
| Cost of funding earning assets | 2.2372% | 527 |
| Net interest margin | 4.0504% | 2,648 |
| Noninterest income to average assets | 5.6770% | 124 |
| Noninterest expense to average assets | 9.0915% | 95 |
| Loan and lease loss provision to assets | 3.8189% | 236 |
| Net operating income to assets | -3.3968% | 7,672 |
| Return on assets (ROA) | -3.3968% | 7,674 |
| Pretax return on assets | -3.3968% | 7,633 |
| Return on Equity (ROE) | -43.4123% | 7,672 |
| Retained earnings to average equity (ytd only) | -43.4123% | 7,659 |
| Net charge-offs to loans | 3.4547% | 414 |
| Credit loss provision to net charge-offs | 122.8087% | 2,847 |
| Earnings coverage of net charge-offs (x) | 0.1357% | 4,908 |
| Efficiency ratio | 95.5638% | 1,051 |
| Assets per employee ($millions) | 4.9451% | 2,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5959% | 3,466 |
| Loan loss allowance to noncurrent loans | 42.0103% | 5,553 |
| Noncurrent assets plus other real estate owned to assets | 4.6975% | 1,410 |
| Noncurrent loans to loans | 3.7988% | 2,080 |
| Net loans and leases to total assets | 90.3323% | 62 |
| Net loans and leases to deposits | 119.6542% | 141 |
| Net loans and leases to core deposits | 140.6257% | 321 |
| Total domestic deposits to total assets | 75.4945% | 6,834 |
| Equity capital to assets | 7.5638% | 7,022 |
| Core capital (leverage) ratio | 7.0454% | 7,223 |
| Tier 1 risk-based capital ratio | 9.0947% | 7,459 |
| Total risk-based capital ratio | 10.3513% | 7,466 |
| Memoranda: |
| Average total assets | $136,479,500 | 4,261 |
| Average earning assets | $129,270,000 | 4,163 |
| Average equity | $10,679,000 | 5,051 |
| Average total loans | $122,848,500 | 3,409 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3827% | 862 |
| Cost of funding earning assets | 2.5169% | 989 |
| Net interest margin | 3.8658% | 3,410 |
| Noninterest income to average assets | 5.0476% | 142 |
| Noninterest expense to average assets | 10.4071% | 94 |
| Loan and lease loss provision to assets | 0.9892% | 2,294 |
| Net operating income to assets | -2.6447% | 7,309 |
| Return on assets (ROA) | -2.6447% | 7,315 |
| Pretax return on assets | -2.6447% | 7,191 |
| Return on Equity (ROE) | -27.0848% | 7,343 |
| Retained earnings to average equity (ytd only) | -27.0848% | 7,315 |
| Net charge-offs to loans | 1.0528% | 2,303 |
| Credit loss provision to net charge-offs | 105.8733% | 5,236 |
| Earnings coverage of net charge-offs (x) | -1.7720% | 6,988 |
| Efficiency ratio | 118.9176% | 625 |
| Assets per employee ($millions) | 4.9801% | 2,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3912% | 4,275 |
| Loan loss allowance to noncurrent loans | 45.2218% | 5,383 |
| Noncurrent assets plus other real estate owned to assets | 3.8754% | 1,716 |
| Noncurrent loans to loans | 3.0764% | 2,492 |
| Net loans and leases to total assets | 87.0749% | 219 |
| Net loans and leases to deposits | 111.9203% | 319 |
| Net loans and leases to core deposits | 194.4166% | 113 |
| Total domestic deposits to total assets | 77.8008% | 6,271 |
| Equity capital to assets | 8.0743% | 6,501 |
| Core capital (leverage) ratio | 7.5097% | 6,778 |
| Tier 1 risk-based capital ratio | 10.0772% | 6,806 |
| Total risk-based capital ratio | 11.3303% | 6,768 |
| Memoranda: |
| Average total assets | $138,501,000 | 4,155 |
| Average earning assets | $132,701,800 | 4,038 |
| Average equity | $13,524,200 | 4,378 |
| Average total loans | $122,914,000 | 3,419 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3881% | 947 |
| Cost of funding earning assets | 2.5217% | 1,234 |
| Net interest margin | 3.8664% | 3,356 |
| Noninterest income to average assets | 4.8678% | 140 |
| Noninterest expense to average assets | 8.3509% | 142 |
| Loan and lease loss provision to assets | 1.1986% | 1,622 |
| Net operating income to assets | -0.9691% | 6,807 |
| Return on assets (ROA) | -0.9691% | 6,816 |
| Pretax return on assets | -0.9691% | 6,658 |
| Return on Equity (ROE) | -9.5097% | 6,858 |
| Retained earnings to average equity (ytd only) | -9.5097% | 6,760 |
| Net charge-offs to loans | 1.1872% | 1,709 |
| Credit loss provision to net charge-offs | 113.6197% | 4,473 |
| Earnings coverage of net charge-offs (x) | 0.2176% | 5,802 |
| Efficiency ratio | 97.3252% | 1,194 |
| Assets per employee ($millions) | 4.8826% | 2,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4720% | 3,583 |
| Loan loss allowance to noncurrent loans | 38.5794% | 5,799 |
| Noncurrent assets plus other real estate owned to assets | 4.4013% | 1,395 |
| Noncurrent loans to loans | 3.8156% | 1,948 |
| Net loans and leases to total assets | 84.4739% | 492 |
| Net loans and leases to deposits | 109.9741% | 464 |
| Net loans and leases to core deposits | 179.0328% | 193 |
| Total domestic deposits to total assets | 76.8126% | 6,389 |
| Equity capital to assets | 9.8232% | 4,320 |
| Core capital (leverage) ratio | 8.6165% | 5,286 |
| Tier 1 risk-based capital ratio | 11.9084% | 5,053 |
| Total risk-based capital ratio | 13.1618% | 4,991 |
| Memoranda: |
| Average total assets | $138,265,750 | 4,181 |
| Average earning assets | $132,764,250 | 4,058 |
| Average equity | $14,090,500 | 4,273 |
| Average total loans | $122,859,500 | 3,450 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4199% | 966 |
| Cost of funding earning assets | 2.5367% | 1,490 |
| Net interest margin | 3.8831% | 3,193 |
| Noninterest income to average assets | 4.7245% | 140 |
| Noninterest expense to average assets | 8.4050% | 150 |
| Loan and lease loss provision to assets | 0.2304% | 4,740 |
| Net operating income to assets | -0.1764% | 6,147 |
| Return on assets (ROA) | -0.1764% | 6,173 |
| Pretax return on assets | -0.1764% | 6,096 |
| Return on Equity (ROE) | -1.7101% | 6,175 |
| Retained earnings to average equity (ytd only) | -1.7101% | 5,671 |
| Net charge-offs to loans | 0.2400% | 3,996 |
| Credit loss provision to net charge-offs | 106.7568% | 4,319 |
| Earnings coverage of net charge-offs (x) | 0.2500% | 5,423 |
| Efficiency ratio | 99.3622% | 1,205 |
| Assets per employee ($millions) | 4.6521% | 2,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3597% | 3,935 |
| Loan loss allowance to noncurrent loans | 47.8652% | 5,164 |
| Noncurrent assets plus other real estate owned to assets | 2.8697% | 2,233 |
| Noncurrent loans to loans | 2.8408% | 2,536 |
| Net loans and leases to total assets | 85.6610% | 418 |
| Net loans and leases to deposits | 119.7450% | 242 |
| Net loans and leases to core deposits | 192.9642% | 149 |
| Total domestic deposits to total assets | 71.5362% | 7,304 |
| Equity capital to assets | 10.5945% | 3,303 |
| Core capital (leverage) ratio | 9.4702% | 3,933 |
| Tier 1 risk-based capital ratio | 12.7307% | 4,332 |
| Total risk-based capital ratio | 13.9827% | 4,248 |
| Memoranda: |
| Average total assets | $137,156,330 | 4,231 |
| Average earning assets | $131,903,330 | 4,105 |
| Average equity | $14,151,000 | 4,269 |
| Average total loans | $123,347,000 | 3,464 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4395% | 975 |
| Cost of funding earning assets | 2.6003% | 1,564 |
| Net interest margin | 3.8392% | 3,302 |
| Noninterest income to average assets | 4.6693% | 137 |
| Noninterest expense to average assets | 8.4529% | 142 |
| Loan and lease loss provision to assets | 0.3472% | 3,243 |
| Net operating income to assets | -0.4384% | 6,818 |
| Return on assets (ROA) | -0.4384% | 6,885 |
| Pretax return on assets | -0.4384% | 6,773 |
| Return on Equity (ROE) | -4.3084% | 6,917 |
| Retained earnings to average equity (ytd only) | -4.3084% | 6,462 |
| Net charge-offs to loans | 0.4469% | 2,330 |
| Credit loss provision to net charge-offs | 84.8921% | 4,106 |
| Earnings coverage of net charge-offs (x) | -0.2230% | 5,147 |
| Efficiency ratio | 101.0908% | 1,084 |
| Assets per employee ($millions) | 4.3841% | 2,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3060% | 4,039 |
| Loan loss allowance to noncurrent loans | 85.6462% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 2.0919% | 2,762 |
| Noncurrent loans to loans | 1.5249% | 3,996 |
| Net loans and leases to total assets | 89.9107% | 138 |
| Net loans and leases to deposits | 125.6351% | 193 |
| Net loans and leases to core deposits | 200.9076% | 139 |
| Total domestic deposits to total assets | 71.5649% | 7,271 |
| Equity capital to assets | 10.8619% | 3,112 |
| Core capital (leverage) ratio | 10.5205% | 2,899 |
| Tier 1 risk-based capital ratio | 12.4079% | 4,609 |
| Total risk-based capital ratio | 13.6591% | 4,531 |
| Memoranda: |
| Average total assets | $135,953,000 | 4,287 |
| Average earning assets | $130,755,500 | 4,140 |
| Average equity | $13,833,500 | 4,379 |
| Average total loans | $124,421,000 | 3,477 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.9688% | 1,209 |
| Cost of funding earning assets | 3.4958% | 525 |
| Net interest margin | 3.4731% | 5,390 |
| Noninterest income to average assets | 6.7841% | 97 |
| Noninterest expense to average assets | 9.9703% | 143 |
| Loan and lease loss provision to assets | 0.2846% | 4,103 |
| Net operating income to assets | -0.1290% | 6,532 |
| Return on assets (ROA) | -0.1290% | 6,382 |
| Pretax return on assets | -0.1290% | 6,303 |
| Return on Equity (ROE) | -1.4468% | 6,424 |
| Retained earnings to average equity (ytd only) | -1.4468% | 5,722 |
| Net charge-offs to loans | 0.2953% | 3,427 |
| Credit loss provision to net charge-offs | 110.0264% | 4,900 |
| Earnings coverage of net charge-offs (x) | 0.6016% | 5,865 |
| Efficiency ratio | 98.4634% | 1,043 |
| Assets per employee ($millions) | 4.3871% | 2,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3101% | 3,708 |
| Loan loss allowance to noncurrent loans | 35.7486% | 6,356 |
| Noncurrent assets plus other real estate owned to assets | 3.3691% | 1,333 |
| Noncurrent loans to loans | 3.6647% | 1,376 |
| Net loans and leases to total assets | 90.7301% | 150 |
| Net loans and leases to deposits | 110.7428% | 786 |
| Net loans and leases to core deposits | 166.3674% | 468 |
| Total domestic deposits to total assets | 81.9287% | 4,233 |
| Equity capital to assets | 9.4890% | 4,707 |
| Core capital (leverage) ratio | 9.2123% | 4,424 |
| Tier 1 risk-based capital ratio | 10.8018% | 5,913 |
| Total risk-based capital ratio | 12.0531% | 5,812 |
| Memoranda: |
| Average total assets | $146,534,600 | 3,961 |
| Average earning assets | $140,999,400 | 3,826 |
| Average equity | $13,063,400 | 4,551 |
| Average total loans | $128,359,800 | 3,297 |
