| 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 | 9.7646% | 75 |
| Cost of funding earning assets | 2.6958% | 250 |
| Net interest margin | 7.0688% | 57 |
| Noninterest income to average assets | 14.8400% | 80 |
| Noninterest expense to average assets | 18.2285% | 74 |
| Loan and lease loss provision to assets | 2.3100% | 23 |
| Net operating income to assets | 0.6084% | 3,423 |
| Return on assets (ROA) | 0.6084% | 3,411 |
| Pretax return on assets | 0.8278% | 3,145 |
| Return on Equity (ROE) | 3.0800% | 4,012 |
| Retained earnings to average equity (ytd only) | 0.3086% | 3,984 |
| Net charge-offs to loans | 2.6308% | 33 |
| Credit loss provision to net charge-offs | 99.7126% | 1,857 |
| Earnings coverage of net charge-offs (x) | 1.3539% | 2,762 |
| Efficiency ratio | 83.7676% | 672 |
| Assets per employee ($millions) | 2.8170% | 4,406 |
| Cash dividends to net income (ytd only)* | 89.9851% | 380 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4801% | 82 |
| Loan loss allowance to noncurrent loans | 435.2033% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.7158% | 723 |
| Noncurrent loans to loans | 0.7996% | 970 |
| Net loans and leases to total assets | 86.4000% | 142 |
| Net loans and leases to deposits | 112.7742% | 147 |
| Net loans and leases to core deposits | 371.7725% | 49 |
| Total domestic deposits to total assets | 76.6100% | 3,881 |
| Equity capital to assets | 19.1498% | 309 |
| Core capital (leverage) ratio | 18.6757% | 305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6301% | 635 |
| Memoranda: |
| Average total assets | $329,905,600 | 2,269 |
| Average earning assets | $304,846,000 | 2,278 |
| Average equity | $65,133,600 | 1,316 |
| Average total loans | $290,972,800 | 1,826 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.5887% | 73 |
| Cost of funding earning assets | 2.5299% | 260 |
| Net interest margin | 7.0588% | 54 |
| Noninterest income to average assets | 12.8700% | 84 |
| Noninterest expense to average assets | 16.7096% | 75 |
| Loan and lease loss provision to assets | 2.5200% | 22 |
| Net operating income to assets | 0.3418% | 4,066 |
| Return on assets (ROA) | 0.3418% | 4,068 |
| Pretax return on assets | 0.1429% | 4,309 |
| Return on Equity (ROE) | 1.7200% | 4,239 |
| Retained earnings to average equity (ytd only) | -1.9888% | 4,319 |
| Net charge-offs to loans | 2.6368% | 32 |
| Credit loss provision to net charge-offs | 108.8505% | 1,559 |
| Earnings coverage of net charge-offs (x) | 1.1502% | 2,545 |
| Efficiency ratio | 84.5187% | 584 |
| Assets per employee ($millions) | 2.7208% | 4,431 |
| Cash dividends to net income (ytd only)* | 215.7706% | 31 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.8819% | 60 |
| Loan loss allowance to noncurrent loans | 529.4672% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.6443% | 888 |
| Noncurrent loans to loans | 0.7332% | 1,127 |
| Net loans and leases to total assets | 84.4600% | 247 |
| Net loans and leases to deposits | 110.4319% | 192 |
| Net loans and leases to core deposits | 327.5877% | 15 |
| Total domestic deposits to total assets | 76.4800% | 3,973 |
| Equity capital to assets | 19.6142% | 294 |
| Core capital (leverage) ratio | 18.9209% | 303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4944% | 591 |
| Memoranda: |
| Average total assets | $326,463,250 | 2,290 |
| Average earning assets | $300,875,500 | 2,303 |
| Average equity | $64,963,750 | 1,306 |
| Average total loans | $286,806,750 | 1,845 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.1984% | 75 |
| Cost of funding earning assets | 2.3344% | 257 |
| Net interest margin | 6.8639% | 55 |
| Noninterest income to average assets | 12.7500% | 82 |
| Noninterest expense to average assets | 16.7435% | 74 |
| Loan and lease loss provision to assets | 2.3900% | 21 |
| Net operating income to assets | 0.3084% | 4,142 |
| Return on assets (ROA) | 0.3084% | 4,169 |
| Pretax return on assets | -0.0651% | 4,479 |
| Return on Equity (ROE) | 1.5400% | 4,319 |
| Retained earnings to average equity (ytd only) | -4.0065% | 4,390 |
| Net charge-offs to loans | 2.5897% | 30 |
| Credit loss provision to net charge-offs | 105.1850% | 1,407 |
| Earnings coverage of net charge-offs (x) | 1.0232% | 2,385 |
| Efficiency ratio | 85.8905% | 499 |
| Assets per employee ($millions) | 2.7177% | 4,469 |
| Cash dividends to net income (ytd only)* | 359.7610% | 13 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.8853% | 65 |
| Loan loss allowance to noncurrent loans | 450.8892% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.7523% | 681 |
| Noncurrent loans to loans | 0.8617% | 878 |
| Net loans and leases to total assets | 83.9200% | 276 |
| Net loans and leases to deposits | 109.7966% | 208 |
| Net loans and leases to core deposits | 304.6848% | 17 |
| Total domestic deposits to total assets | 76.4300% | 4,010 |
| Equity capital to assets | 19.5541% | 296 |
| Core capital (leverage) ratio | 18.8640% | 306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3213% | 603 |
| Memoranda: |
| Average total assets | $325,547,333 | 2,299 |
| Average earning assets | $299,857,000 | 2,315 |
| Average equity | $65,094,333 | 1,304 |
| Average total loans | $285,978,000 | 1,840 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.3207% | 33 |
| Cost of funding earning assets | 2.1192% | 223 |
| Net interest margin | 7.2015% | 40 |
| Noninterest income to average assets | 12.4800% | 86 |
| Noninterest expense to average assets | 16.4693% | 76 |
| Loan and lease loss provision to assets | 2.0800% | 28 |
| Net operating income to assets | 0.3989% | 4,090 |
| Return on assets (ROA) | 0.3989% | 4,042 |
| Pretax return on assets | 0.5434% | 3,930 |
| Return on Equity (ROE) | 1.9700% | 4,309 |
| Retained earnings to average equity (ytd only) | 1.9728% | 3,707 |
| Net charge-offs to loans | 2.2802% | 38 |
| Credit loss provision to net charge-offs | 103.5648% | 1,092 |
| Earnings coverage of net charge-offs (x) | 1.3061% | 1,974 |
| Efficiency ratio | 84.3283% | 579 |
| Assets per employee ($millions) | 2.5845% | 4,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.8797% | 66 |
| Loan loss allowance to noncurrent loans | 518.3443% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.6743% | 732 |
| Noncurrent loans to loans | 0.7485% | 1,021 |
| Net loans and leases to total assets | 86.5900% | 118 |
| Net loans and leases to deposits | 115.9614% | 115 |
| Net loans and leases to core deposits | 338.7214% | 14 |
| Total domestic deposits to total assets | 74.6700% | 4,253 |
| Equity capital to assets | 20.9196% | 212 |
| Core capital (leverage) ratio | 19.6428% | 278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1083% | 565 |
| Memoranda: |
| Average total assets | $323,900,000 | 2,345 |
| Average earning assets | $297,661,000 | 2,359 |
| Average equity | $65,490,500 | 1,309 |
| Average total loans | $285,413,000 | 1,860 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.7323% | 31 |
| Cost of funding earning assets | 0.8781% | 278 |
| Net interest margin | 6.8542% | 34 |
| Noninterest income to average assets | 12.7300% | 88 |
| Noninterest expense to average assets | 14.7792% | 81 |
| Loan and lease loss provision to assets | 1.6500% | 25 |
| Net operating income to assets | 1.9313% | 336 |
| Return on assets (ROA) | 1.9313% | 325 |
| Pretax return on assets | 2.6290% | 175 |
| Return on Equity (ROE) | 9.7200% | 2,896 |
| Retained earnings to average equity (ytd only) | 9.7180% | 1,236 |
| Net charge-offs to loans | 2.0305% | 31 |
| Credit loss provision to net charge-offs | 90.7005% | 1,628 |
| Earnings coverage of net charge-offs (x) | 2.3526% | 2,508 |
| Efficiency ratio | 75.6719% | 1,049 |
| Assets per employee ($millions) | 2.7254% | 4,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.8224% | 66 |
| Loan loss allowance to noncurrent loans | 517.5637% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.6370% | 782 |
| Noncurrent loans to loans | 0.7385% | 1,014 |
| Net loans and leases to total assets | 82.9600% | 326 |
| Net loans and leases to deposits | 109.3799% | 168 |
| Net loans and leases to core deposits | 373.0285% | 15 |
| Total domestic deposits to total assets | 75.8400% | 4,263 |
| Equity capital to assets | 19.5553% | 235 |
| Core capital (leverage) ratio | 19.2539% | 287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2969% | 603 |
| Memoranda: |
| Average total assets | $311,601,000 | 2,398 |
| Average earning assets | $287,794,600 | 2,402 |
| Average equity | $61,926,600 | 1,367 |
| Average total loans | $279,090,800 | 1,821 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.3987% | 33 |
| Cost of funding earning assets | 0.6036% | 428 |
| Net interest margin | 6.7951% | 33 |
| Noninterest income to average assets | 12.6100% | 92 |
| Noninterest expense to average assets | 14.7635% | 85 |
| Loan and lease loss provision to assets | 1.7100% | 21 |
| Net operating income to assets | 1.7725% | 452 |
| Return on assets (ROA) | 1.7725% | 440 |
| Pretax return on assets | 2.4126% | 235 |
| Return on Equity (ROE) | 8.8800% | 3,070 |
| Retained earnings to average equity (ytd only) | 8.8802% | 1,686 |
| Net charge-offs to loans | 1.9944% | 27 |
| Credit loss provision to net charge-offs | 94.8625% | 1,359 |
| Earnings coverage of net charge-offs (x) | 2.2858% | 2,251 |
| Efficiency ratio | 76.3168% | 1,047 |
| Assets per employee ($millions) | 2.7105% | 4,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.0417% | 69 |
| Loan loss allowance to noncurrent loans | 640.9892% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.5595% | 953 |
| Noncurrent loans to loans | 0.6305% | 1,290 |
| Net loans and leases to total assets | 85.1400% | 172 |
| Net loans and leases to deposits | 113.2260% | 92 |
| Net loans and leases to core deposits | 324.5659% | 13 |
| Total domestic deposits to total assets | 75.1900% | 4,398 |
| Equity capital to assets | 20.0525% | 216 |
| Core capital (leverage) ratio | 19.4369% | 255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8009% | 577 |
| Memoranda: |
| Average total assets | $306,378,000 | 2,435 |
| Average earning assets | $283,159,500 | 2,442 |
| Average equity | $61,153,250 | 1,402 |
| Average total loans | $277,167,750 | 1,821 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.2752% | 30 |
| Cost of funding earning assets | 0.4131% | 845 |
| Net interest margin | 6.8621% | 29 |
| Noninterest income to average assets | 12.4426% | 50 |
| Noninterest expense to average assets | 14.6500% | 50 |
| Loan and lease loss provision to assets | 1.5259% | 27 |
| Net operating income to assets | 1.9183% | 264 |
| Return on assets (ROA) | 1.9183% | 264 |
| Pretax return on assets | 2.6111% | 147 |
| Return on Equity (ROE) | 9.6263% | 2,479 |
| Retained earnings to average equity (ytd only) | 9.6263% | 1,111 |
| Net charge-offs to loans | 1.9098% | 30 |
| Credit loss provision to net charge-offs | 87.7319% | 1,353 |
| Earnings coverage of net charge-offs (x) | 2.3786% | 2,032 |
| Efficiency ratio | 76.0972% | 1,270 |
| Assets per employee ($millions) | 2.7008% | 4,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.0365% | 66 |
| Loan loss allowance to noncurrent loans | 647.6218% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.5699% | 989 |
| Noncurrent loans to loans | 0.6233% | 1,361 |
| Net loans and leases to total assets | 87.7495% | 50 |
| Net loans and leases to deposits | 117.7000% | 50 |
| Net loans and leases to core deposits | 312.9157% | 14 |
| Total domestic deposits to total assets | 74.5535% | 4,519 |
| Equity capital to assets | 20.4840% | 160 |
| Core capital (leverage) ratio | 19.2461% | 227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5413% | 579 |
| Memoranda: |
| Average total assets | $303,699,333 | 2,463 |
| Average earning assets | $280,788,667 | 2,480 |
| Average equity | $60,521,667 | 1,429 |
| Average total loans | $276,569,000 | 1,820 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.3649% | 30 |
| Cost of funding earning assets | 0.2951% | 1,698 |
| Net interest margin | 7.0698% | 29 |
| Noninterest income to average assets | 11.6463% | 53 |
| Noninterest expense to average assets | 14.4212% | 48 |
| Loan and lease loss provision to assets | 1.6733% | 24 |
| Net operating income to assets | 1.5445% | 580 |
| Return on assets (ROA) | 1.5445% | 573 |
| Pretax return on assets | 2.1019% | 299 |
| Return on Equity (ROE) | 7.8594% | 2,736 |
| Retained earnings to average equity (ytd only) | 7.8594% | 1,625 |
| Net charge-offs to loans | 1.5086% | 51 |
| Credit loss provision to net charge-offs | 122.0518% | 928 |
| Earnings coverage of net charge-offs (x) | 2.7536% | 1,693 |
| Efficiency ratio | 77.3098% | 1,368 |
| Assets per employee ($millions) | 2.9906% | 4,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.2763% | 61 |
| Loan loss allowance to noncurrent loans | 657.2630% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.5962% | 992 |
| Noncurrent loans to loans | 0.6506% | 1,451 |
| Net loans and leases to total assets | 87.7173% | 30 |
| Net loans and leases to deposits | 117.8689% | 39 |
| Net loans and leases to core deposits | 344.6980% | 12 |
| Total domestic deposits to total assets | 74.4194% | 4,561 |
| Equity capital to assets | 20.1814% | 157 |
| Core capital (leverage) ratio | 18.8569% | 219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1139% | 633 |
| Memoranda: |
| Average total assets | $304,302,000 | 2,480 |
| Average earning assets | $281,930,500 | 2,493 |
| Average equity | $59,801,000 | 1,490 |
| Average total loans | $276,552,500 | 1,809 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.4491% | 32 |
| Cost of funding earning assets | 0.3333% | 2,085 |
| Net interest margin | 7.1157% | 30 |
| Noninterest income to average assets | 11.6860% | 56 |
| Noninterest expense to average assets | 13.8398% | 50 |
| Loan and lease loss provision to assets | 1.7738% | 10 |
| Net operating income to assets | 1.9310% | 384 |
| Return on assets (ROA) | 1.9310% | 407 |
| Pretax return on assets | 2.6285% | 217 |
| Return on Equity (ROE) | 9.4922% | 2,724 |
| Retained earnings to average equity (ytd only) | 8.6104% | 1,312 |
| Net charge-offs to loans | 1.8147% | 27 |
| Credit loss provision to net charge-offs | 109.0187% | 1,712 |
| Earnings coverage of net charge-offs (x) | 2.7056% | 2,575 |
| Efficiency ratio | 73.6311% | 1,349 |
| Assets per employee ($millions) | 3.1267% | 4,668 |
| Cash dividends to net income (ytd only)* | 9.2902% | 3,379 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.1171% | 62 |
| Loan loss allowance to noncurrent loans | 897.5781% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.4135% | 1,585 |
| Noncurrent loans to loans | 0.4587% | 1,985 |
| Net loans and leases to total assets | 86.4400% | 53 |
| Net loans and leases to deposits | 112.9131% | 67 |
| Net loans and leases to core deposits | 340.7989% | 14 |
| Total domestic deposits to total assets | 76.5544% | 4,484 |
| Equity capital to assets | 19.1402% | 207 |
| Core capital (leverage) ratio | 18.3294% | 237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4913% | 699 |
| Memoranda: |
| Average total assets | $278,717,400 | 2,549 |
| Average earning assets | $256,797,600 | 2,574 |
| Average equity | $56,699,200 | 1,591 |
| Average total loans | $249,901,800 | 1,925 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.5044% | 34 |
| Cost of funding earning assets | 0.3505% | 2,111 |
| Net interest margin | 7.1539% | 32 |
| Noninterest income to average assets | 11.2381% | 61 |
| Noninterest expense to average assets | 13.7491% | 49 |
| Loan and lease loss provision to assets | 1.9036% | 10 |
| Net operating income to assets | 1.5813% | 1,077 |
| Return on assets (ROA) | 1.5817% | 1,123 |
| Pretax return on assets | 2.1529% | 605 |
| Return on Equity (ROE) | 7.6461% | 3,493 |
| Retained earnings to average equity (ytd only) | 7.6461% | 2,163 |
| Net charge-offs to loans | 1.9614% | 27 |
| Credit loss provision to net charge-offs | 108.4057% | 1,528 |
| Earnings coverage of net charge-offs (x) | 2.3099% | 2,355 |
| Efficiency ratio | 74.9164% | 1,137 |
| Assets per employee ($millions) | 3.2577% | 4,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.2467% | 60 |
| Loan loss allowance to noncurrent loans | 917.6613% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.4093% | 1,823 |
| Noncurrent loans to loans | 0.4628% | 2,170 |
| Net loans and leases to total assets | 84.6865% | 98 |
| Net loans and leases to deposits | 112.2919% | 79 |
| Net loans and leases to core deposits | 293.2172% | 22 |
| Total domestic deposits to total assets | 75.4164% | 4,579 |
| Equity capital to assets | 19.0182% | 226 |
| Core capital (leverage) ratio | 19.6367% | 195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5830% | 737 |
| Memoranda: |
| Average total assets | $271,011,250 | 2,614 |
| Average earning assets | $248,771,250 | 2,649 |
| Average equity | $56,062,250 | 1,623 |
| Average total loans | $242,613,000 | 2,006 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.8398% | 26 |
| Cost of funding earning assets | 0.4425% | 1,577 |
| Net interest margin | 7.3974% | 27 |
| Noninterest income to average assets | 11.0762% | 61 |
| Noninterest expense to average assets | 14.1941% | 45 |
| Loan and lease loss provision to assets | 1.2029% | 29 |
| Net operating income to assets | 1.7884% | 737 |
| Return on assets (ROA) | 1.7891% | 773 |
| Pretax return on assets | 2.4351% | 394 |
| Return on Equity (ROE) | 8.3862% | 3,287 |
| Retained earnings to average equity (ytd only) | 8.3862% | 1,943 |
| Net charge-offs to loans | 2.5085% | 25 |
| Credit loss provision to net charge-offs | 53.3197% | 1,592 |
| Earnings coverage of net charge-offs (x) | 1.6122% | 2,161 |
| Efficiency ratio | 77.1378% | 978 |
| Assets per employee ($millions) | 2.7175% | 4,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.2166% | 61 |
| Loan loss allowance to noncurrent loans | 933.5577% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.4029% | 1,996 |
| Noncurrent loans to loans | 0.4517% | 2,323 |
| Net loans and leases to total assets | 85.4304% | 95 |
| Net loans and leases to deposits | 117.0681% | 64 |
| Net loans and leases to core deposits | 231.3220% | 27 |
| Total domestic deposits to total assets | 72.9749% | 4,690 |
| Equity capital to assets | 21.9833% | 125 |
| Core capital (leverage) ratio | 20.8677% | 153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0843% | 537 |
| Memoranda: |
| Average total assets | $260,361,000 | 2,684 |
| Average earning assets | $237,760,000 | 2,704 |
| Average equity | $55,543,667 | 1,627 |
| Average total loans | $234,168,333 | 2,066 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.2358% | 26 |
| Cost of funding earning assets | 0.5833% | 948 |
| Net interest margin | 7.6525% | 24 |
| Noninterest income to average assets | 10.1231% | 71 |
| Noninterest expense to average assets | 13.9615% | 49 |
| Loan and lease loss provision to assets | 1.1382% | 32 |
| Net operating income to assets | 1.5345% | 1,255 |
| Return on assets (ROA) | 1.5345% | 1,315 |
| Pretax return on assets | 2.0883% | 822 |
| Return on Equity (ROE) | 7.3026% | 3,522 |
| Retained earnings to average equity (ytd only) | 7.3026% | 2,478 |
| Net charge-offs to loans | 2.8595% | 22 |
| Credit loss provision to net charge-offs | 44.0758% | 1,337 |
| Earnings coverage of net charge-offs (x) | 1.2494% | 1,861 |
| Efficiency ratio | 78.8874% | 903 |
| Assets per employee ($millions) | 2.7142% | 4,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.4522% | 58 |
| Loan loss allowance to noncurrent loans | 636.2210% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.6311% | 1,504 |
| Noncurrent loans to loans | 0.6998% | 1,842 |
| Net loans and leases to total assets | 86.1689% | 85 |
| Net loans and leases to deposits | 118.1939% | 79 |
| Net loans and leases to core deposits | 221.2993% | 29 |
| Total domestic deposits to total assets | 72.9046% | 4,703 |
| Equity capital to assets | 21.9499% | 128 |
| Core capital (leverage) ratio | 19.9198% | 189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6726% | 540 |
| Memoranda: |
| Average total assets | $261,461,500 | 2,661 |
| Average earning assets | $241,384,000 | 2,670 |
| Average equity | $54,939,500 | 1,634 |
| Average total loans | $236,124,500 | 2,056 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.5453% | 24 |
| Cost of funding earning assets | 1.4202% | 117 |
| Net interest margin | 7.1251% | 26 |
| Noninterest income to average assets | 8.9778% | 75 |
| Noninterest expense to average assets | 12.7027% | 58 |
| Loan and lease loss provision to assets | 3.6394% | 12 |
| Net operating income to assets | -0.5505% | 4,889 |
| Return on assets (ROA) | -0.5706% | 4,895 |
| Pretax return on assets | -0.7777% | 4,906 |
| Return on Equity (ROE) | -2.9645% | 4,865 |
| Retained earnings to average equity (ytd only) | -2.9645% | 4,762 |
| Net charge-offs to loans | 3.2489% | 26 |
| Credit loss provision to net charge-offs | 127.3137% | 2,572 |
| Earnings coverage of net charge-offs (x) | 1.0100% | 3,291 |
| Efficiency ratio | 79.1325% | 947 |
| Assets per employee ($millions) | 2.8777% | 4,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.5297% | 52 |
| Loan loss allowance to noncurrent loans | 557.9053% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.7342% | 1,407 |
| Noncurrent loans to loans | 0.8119% | 1,726 |
| Net loans and leases to total assets | 86.3305% | 88 |
| Net loans and leases to deposits | 114.6103% | 110 |
| Net loans and leases to core deposits | 227.2046% | 32 |
| Total domestic deposits to total assets | 75.3252% | 4,551 |
| Equity capital to assets | 20.1377% | 196 |
| Core capital (leverage) ratio | 19.0215% | 218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7595% | 686 |
| Memoranda: |
| Average total assets | $286,884,800 | 2,358 |
| Average earning assets | $266,227,400 | 2,360 |
| Average equity | $55,219,400 | 1,555 |
| Average total loans | $252,426,600 | 1,910 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.7455% | 23 |
| Cost of funding earning assets | 1.5900% | 79 |
| Net interest margin | 7.1555% | 26 |
| Noninterest income to average assets | 8.5580% | 76 |
| Noninterest expense to average assets | 12.4134% | 59 |
| Loan and lease loss provision to assets | 3.9236% | 15 |
| Net operating income to assets | -0.8312% | 4,931 |
| Return on assets (ROA) | -0.8312% | 4,939 |
| Pretax return on assets | -1.1332% | 4,950 |
| Return on Equity (ROE) | -4.3653% | 4,905 |
| Retained earnings to average equity (ytd only) | -4.3653% | 4,823 |
| Net charge-offs to loans | 3.3686% | 25 |
| Credit loss provision to net charge-offs | 133.2348% | 2,430 |
| Earnings coverage of net charge-offs (x) | 0.9476% | 3,105 |
| Efficiency ratio | 79.3888% | 911 |
| Assets per employee ($millions) | 2.9288% | 4,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.6832% | 45 |
| Loan loss allowance to noncurrent loans | 511.4632% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.8141% | 1,415 |
| Noncurrent loans to loans | 0.9156% | 1,631 |
| Net loans and leases to total assets | 84.7493% | 222 |
| Net loans and leases to deposits | 112.4199% | 191 |
| Net loans and leases to core deposits | 214.8908% | 33 |
| Total domestic deposits to total assets | 75.3864% | 4,476 |
| Equity capital to assets | 20.6264% | 188 |
| Core capital (leverage) ratio | 18.9396% | 238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5189% | 621 |
| Memoranda: |
| Average total assets | $290,979,250 | 2,321 |
| Average earning assets | $270,258,000 | 2,327 |
| Average equity | $55,405,750 | 1,535 |
| Average total loans | $254,380,750 | 1,896 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.0592% | 25 |
| Cost of funding earning assets | 1.7513% | 59 |
| Net interest margin | 7.3079% | 27 |
| Noninterest income to average assets | 8.1051% | 74 |
| Noninterest expense to average assets | 12.2469% | 61 |
| Loan and lease loss provision to assets | 4.4444% | 19 |
| Net operating income to assets | -1.3069% | 4,985 |
| Return on assets (ROA) | -1.3069% | 4,987 |
| Pretax return on assets | -1.7814% | 5,001 |
| Return on Equity (ROE) | -7.0349% | 4,955 |
| Retained earnings to average equity (ytd only) | -7.0349% | 4,851 |
| Net charge-offs to loans | 3.3718% | 29 |
| Credit loss provision to net charge-offs | 151.5337% | 2,118 |
| Earnings coverage of net charge-offs (x) | 0.9080% | 2,897 |
| Efficiency ratio | 79.9043% | 900 |
| Assets per employee ($millions) | 3.0379% | 4,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.6777% | 45 |
| Loan loss allowance to noncurrent loans | 462.8333% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.8877% | 1,382 |
| Noncurrent loans to loans | 1.0107% | 1,533 |
| Net loans and leases to total assets | 83.7221% | 275 |
| Net loans and leases to deposits | 110.0656% | 230 |
| Net loans and leases to core deposits | 219.6763% | 30 |
| Total domestic deposits to total assets | 76.0656% | 4,420 |
| Equity capital to assets | 20.0553% | 211 |
| Core capital (leverage) ratio | 17.6063% | 312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0427% | 666 |
| Memoranda: |
| Average total assets | $300,107,667 | 2,255 |
| Average earning assets | $279,449,333 | 2,253 |
| Average equity | $55,751,000 | 1,505 |
| Average total loans | $261,051,000 | 1,838 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.3292% | 27 |
| Cost of funding earning assets | 1.8743% | 58 |
| Net interest margin | 7.4549% | 31 |
| Noninterest income to average assets | 8.4756% | 66 |
| Noninterest expense to average assets | 12.0733% | 63 |
| Loan and lease loss provision to assets | 2.0967% | 63 |
| Net operating income to assets | 0.9232% | 2,445 |
| Return on assets (ROA) | 0.9232% | 2,551 |
| Pretax return on assets | 1.2560% | 2,016 |
| Return on Equity (ROE) | 5.1456% | 3,584 |
| Retained earnings to average equity (ytd only) | 5.1456% | 2,213 |
| Net charge-offs to loans | 3.2297% | 40 |
| Credit loss provision to net charge-offs | 74.9433% | 1,955 |
| Earnings coverage of net charge-offs (x) | 1.1984% | 2,410 |
| Efficiency ratio | 76.2081% | 1,542 |
| Assets per employee ($millions) | 3.3654% | 4,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2104% | 123 |
| Loan loss allowance to noncurrent loans | 317.9133% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.8607% | 1,553 |
| Noncurrent loans to loans | 1.0098% | 1,639 |
| Net loans and leases to total assets | 82.4980% | 396 |
| Net loans and leases to deposits | 106.6297% | 272 |
| Net loans and leases to core deposits | 212.4679% | 33 |
| Total domestic deposits to total assets | 77.3687% | 4,313 |
| Equity capital to assets | 18.7830% | 304 |
| Core capital (leverage) ratio | 16.8233% | 429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1175% | 851 |
| Memoranda: |
| Average total assets | $314,975,500 | 2,128 |
| Average earning assets | $293,659,000 | 2,116 |
| Average equity | $56,514,500 | 1,491 |
| Average total loans | $272,842,000 | 1,746 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.7200% | 25 |
| Cost of funding earning assets | 2.0558% | 47 |
| Net interest margin | 7.6642% | 30 |
| Noninterest income to average assets | 9.0052% | 64 |
| Noninterest expense to average assets | 11.6143% | 57 |
| Loan and lease loss provision to assets | 2.8384% | 27 |
| Net operating income to assets | 1.3224% | 1,605 |
| Return on assets (ROA) | 1.3224% | 1,685 |
| Pretax return on assets | 1.7999% | 938 |
| Return on Equity (ROE) | 7.5434% | 3,346 |
| Retained earnings to average equity (ytd only) | 7.5434% | 1,144 |
| Net charge-offs to loans | 2.9465% | 37 |
| Credit loss provision to net charge-offs | 106.4139% | 2,327 |
| Earnings coverage of net charge-offs (x) | 1.7389% | 3,501 |
| Efficiency ratio | 69.7264% | 2,214 |
| Assets per employee ($millions) | 3.8478% | 4,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0746% | 122 |
| Loan loss allowance to noncurrent loans | 336.5055% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.8032% | 1,614 |
| Noncurrent loans to loans | 0.9137% | 1,680 |
| Net loans and leases to total assets | 85.2066% | 225 |
| Net loans and leases to deposits | 107.8654% | 226 |
| Net loans and leases to core deposits | 224.0543% | 35 |
| Total domestic deposits to total assets | 78.9935% | 4,188 |
| Equity capital to assets | 17.1642% | 450 |
| Core capital (leverage) ratio | 16.3545% | 480 |
| Tier 1 risk-based capital ratio | 16.6946% | 2,158 |
| Total risk-based capital ratio | 17.9661% | 2,084 |
| Memoranda: |
| Average total assets | $307,466,800 | 2,123 |
| Average earning assets | $290,741,400 | 2,087 |
| Average equity | $53,901,200 | 1,496 |
| Average total loans | $278,334,200 | 1,695 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.7792% | 26 |
| Cost of funding earning assets | 2.0681% | 49 |
| Net interest margin | 7.7110% | 29 |
| Noninterest income to average assets | 8.8983% | 66 |
| Noninterest expense to average assets | 11.4925% | 58 |
| Loan and lease loss provision to assets | 2.9709% | 25 |
| Net operating income to assets | 1.2951% | 1,881 |
| Return on assets (ROA) | 1.2951% | 1,967 |
| Pretax return on assets | 1.7626% | 1,176 |
| Return on Equity (ROE) | 7.3461% | 3,571 |
| Retained earnings to average equity (ytd only) | 7.3461% | 1,695 |
| Net charge-offs to loans | 2.9647% | 35 |
| Credit loss provision to net charge-offs | 109.8403% | 2,093 |
| Earnings coverage of net charge-offs (x) | 1.7501% | 3,258 |
| Efficiency ratio | 69.6051% | 2,175 |
| Assets per employee ($millions) | 3.8053% | 4,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1591% | 116 |
| Loan loss allowance to noncurrent loans | 367.7526% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.7772% | 1,769 |
| Noncurrent loans to loans | 0.8590% | 1,868 |
| Net loans and leases to total assets | 87.6128% | 112 |
| Net loans and leases to deposits | 112.2263% | 173 |
| Net loans and leases to core deposits | 235.6968% | 35 |
| Total domestic deposits to total assets | 78.0680% | 4,329 |
| Equity capital to assets | 17.6322% | 420 |
| Core capital (leverage) ratio | 16.9472% | 453 |
| Tier 1 risk-based capital ratio | 17.7070% | 1,899 |
| Total risk-based capital ratio | 18.9803% | 1,848 |
| Memoranda: |
| Average total assets | $302,567,250 | 2,170 |
| Average earning assets | $287,528,750 | 2,112 |
| Average equity | $53,342,000 | 1,512 |
| Average total loans | $276,037,500 | 1,721 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.8633% | 25 |
| Cost of funding earning assets | 1.9701% | 68 |
| Net interest margin | 7.8931% | 31 |
| Noninterest income to average assets | 8.5788% | 63 |
| Noninterest expense to average assets | 11.3068% | 61 |
| Loan and lease loss provision to assets | 3.4381% | 22 |
| Net operating income to assets | 1.0006% | 2,919 |
| Return on assets (ROA) | 1.0006% | 2,987 |
| Pretax return on assets | 1.3620% | 2,336 |
| Return on Equity (ROE) | 5.6760% | 4,152 |
| Retained earnings to average equity (ytd only) | 5.6760% | 2,431 |
| Net charge-offs to loans | 3.1852% | 34 |
| Credit loss provision to net charge-offs | 117.9693% | 1,761 |
| Earnings coverage of net charge-offs (x) | 1.6470% | 3,006 |
| Efficiency ratio | 68.9545% | 2,385 |
| Assets per employee ($millions) | 3.8067% | 4,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1619% | 114 |
| Loan loss allowance to noncurrent loans | 407.4339% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.7154% | 1,923 |
| Noncurrent loans to loans | 0.7761% | 2,040 |
| Net loans and leases to total assets | 89.2647% | 69 |
| Net loans and leases to deposits | 113.4219% | 153 |
| Net loans and leases to core deposits | 240.0334% | 34 |
| Total domestic deposits to total assets | 78.7014% | 4,276 |
| Equity capital to assets | 17.1608% | 450 |
| Core capital (leverage) ratio | 16.6971% | 462 |
| Tier 1 risk-based capital ratio | 17.1313% | 2,050 |
| Total risk-based capital ratio | 18.4052% | 1,991 |
| Memoranda: |
| Average total assets | $299,412,330 | 2,188 |
| Average earning assets | $285,565,000 | 2,131 |
| Average equity | $52,783,330 | 1,518 |
| Average total loans | $273,950,670 | 1,737 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.9810% | 33 |
| Cost of funding earning assets | 1.9991% | 56 |
| Net interest margin | 6.9819% | 40 |
| Noninterest income to average assets | 9.0389% | 59 |
| Noninterest expense to average assets | 10.6441% | 57 |
| Loan and lease loss provision to assets | 3.6786% | 16 |
| Net operating income to assets | 0.9964% | 2,858 |
| Return on assets (ROA) | 0.9964% | 2,895 |
| Pretax return on assets | 1.3568% | 2,244 |
| Return on Equity (ROE) | 5.5734% | 4,166 |
| Retained earnings to average equity (ytd only) | 5.5734% | 2,658 |
| Net charge-offs to loans | 3.7086% | 27 |
| Credit loss provision to net charge-offs | 108.8449% | 1,503 |
| Earnings coverage of net charge-offs (x) | 1.4899% | 2,591 |
| Efficiency ratio | 63.2454% | 3,353 |
| Assets per employee ($millions) | 3.6242% | 4,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2224% | 108 |
| Loan loss allowance to noncurrent loans | 363.7255% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.8194% | 1,730 |
| Noncurrent loans to loans | 0.8860% | 1,883 |
| Net loans and leases to total assets | 89.5059% | 58 |
| Net loans and leases to deposits | 116.4062% | 124 |
| Net loans and leases to core deposits | 225.4343% | 39 |
| Total domestic deposits to total assets | 76.8910% | 4,664 |
| Equity capital to assets | 18.4309% | 312 |
| Core capital (leverage) ratio | 17.2198% | 403 |
| Tier 1 risk-based capital ratio | 18.3290% | 1,706 |
| Total risk-based capital ratio | 19.6040% | 1,644 |
| Memoranda: |
| Average total assets | $293,044,500 | 2,233 |
| Average earning assets | $278,720,500 | 2,186 |
| Average equity | $52,391,500 | 1,516 |
| Average total loans | $267,058,000 | 1,770 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.1870% | 28 |
| Cost of funding earning assets | 1.5160% | 84 |
| Net interest margin | 7.6710% | 31 |
| Noninterest income to average assets | 7.8772% | 66 |
| Noninterest expense to average assets | 10.6031% | 60 |
| Loan and lease loss provision to assets | 3.0349% | 21 |
| Net operating income to assets | 1.0909% | 2,642 |
| Return on assets (ROA) | 1.0909% | 2,635 |
| Pretax return on assets | 1.4475% | 1,960 |
| Return on Equity (ROE) | 6.5146% | 4,001 |
| Retained earnings to average equity (ytd only) | 6.0185% | 2,183 |
| Net charge-offs to loans | 3.2022% | 33 |
| Credit loss provision to net charge-offs | 105.7917% | 2,412 |
| Earnings coverage of net charge-offs (x) | 1.5625% | 3,613 |
| Efficiency ratio | 69.0530% | 2,374 |
| Assets per employee ($millions) | 3.7946% | 4,184 |
| Cash dividends to net income (ytd only)* | 7.6150% | 3,885 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0871% | 121 |
| Loan loss allowance to noncurrent loans | 326.1671% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.8503% | 1,645 |
| Noncurrent loans to loans | 0.9465% | 1,705 |
| Net loans and leases to total assets | 87.0657% | 166 |
| Net loans and leases to deposits | 112.3459% | 199 |
| Net loans and leases to core deposits | 211.5809% | 38 |
| Total domestic deposits to total assets | 77.4979% | 4,566 |
| Equity capital to assets | 17.3506% | 390 |
| Core capital (leverage) ratio | 17.0335% | 403 |
| Tier 1 risk-based capital ratio | 17.3494% | 1,935 |
| Total risk-based capital ratio | 18.6221% | 1,889 |
| Memoranda: |
| Average total assets | $300,930,400 | 2,151 |
| Average earning assets | $282,779,000 | 2,117 |
| Average equity | $50,394,400 | 1,514 |
| Average total loans | $269,594,600 | 1,729 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.9786% | 26 |
| Cost of funding earning assets | 1.4212% | 90 |
| Net interest margin | 7.5574% | 28 |
| Noninterest income to average assets | 7.7364% | 68 |
| Noninterest expense to average assets | 10.4201% | 60 |
| Loan and lease loss provision to assets | 3.1786% | 21 |
| Net operating income to assets | 0.9508% | 3,302 |
| Return on assets (ROA) | 0.9508% | 3,314 |
| Pretax return on assets | 1.2438% | 2,837 |
| Return on Equity (ROE) | 5.7291% | 4,347 |
| Retained earnings to average equity (ytd only) | 5.7291% | 2,806 |
| Net charge-offs to loans | 3.2192% | 30 |
| Credit loss provision to net charge-offs | 110.2903% | 2,106 |
| Earnings coverage of net charge-offs (x) | 1.5345% | 3,341 |
| Efficiency ratio | 69.0654% | 2,349 |
| Assets per employee ($millions) | 3.5992% | 4,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2085% | 115 |
| Loan loss allowance to noncurrent loans | 339.7677% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.8565% | 1,728 |
| Noncurrent loans to loans | 0.9443% | 1,799 |
| Net loans and leases to total assets | 87.7900% | 149 |
| Net loans and leases to deposits | 115.0631% | 163 |
| Net loans and leases to core deposits | 188.2339% | 44 |
| Total domestic deposits to total assets | 76.2973% | 4,756 |
| Equity capital to assets | 17.5281% | 374 |
| Core capital (leverage) ratio | 17.0565% | 413 |
| Tier 1 risk-based capital ratio | 17.5172% | 1,921 |
| Total risk-based capital ratio | 18.7915% | 1,875 |
| Memoranda: |
| Average total assets | $301,218,750 | 2,158 |
| Average earning assets | $283,228,250 | 2,128 |
| Average equity | $49,989,500 | 1,525 |
| Average total loans | $269,664,250 | 1,730 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.8110% | 28 |
| Cost of funding earning assets | 1.3314% | 97 |
| Net interest margin | 7.4796% | 32 |
| Noninterest income to average assets | 7.4890% | 69 |
| Noninterest expense to average assets | 10.5332% | 62 |
| Loan and lease loss provision to assets | 2.8425% | 23 |
| Net operating income to assets | 0.8271% | 3,765 |
| Return on assets (ROA) | 0.8271% | 3,769 |
| Pretax return on assets | 1.1253% | 3,209 |
| Return on Equity (ROE) | 5.0746% | 4,531 |
| Retained earnings to average equity (ytd only) | 5.0746% | 3,037 |
| Net charge-offs to loans | 3.1915% | 29 |
| Credit loss provision to net charge-offs | 99.9076% | 2,072 |
| Earnings coverage of net charge-offs (x) | 1.3946% | 3,066 |
| Efficiency ratio | 71.4642% | 2,092 |
| Assets per employee ($millions) | 3.4939% | 4,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9666% | 147 |
| Loan loss allowance to noncurrent loans | 306.9155% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.8883% | 1,693 |
| Noncurrent loans to loans | 0.9666% | 1,799 |
| Net loans and leases to total assets | 89.1744% | 100 |
| Net loans and leases to deposits | 115.3058% | 168 |
| Net loans and leases to core deposits | 175.6984% | 51 |
| Total domestic deposits to total assets | 77.3374% | 4,688 |
| Equity capital to assets | 17.5422% | 363 |
| Core capital (leverage) ratio | 16.7693% | 421 |
| Tier 1 risk-based capital ratio | 17.2978% | 2,002 |
| Total risk-based capital ratio | 18.5691% | 1,946 |
| Memoranda: |
| Average total assets | $304,447,670 | 2,143 |
| Average earning assets | $285,416,000 | 2,128 |
| Average equity | $49,619,330 | 1,538 |
| Average total loans | $271,412,330 | 1,728 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.9430% | 27 |
| Cost of funding earning assets | 1.4305% | 55 |
| Net interest margin | 7.5125% | 30 |
| Noninterest income to average assets | 7.0844% | 75 |
| Noninterest expense to average assets | 10.6157% | 65 |
| Loan and lease loss provision to assets | 2.5269% | 23 |
| Net operating income to assets | 0.7338% | 3,970 |
| Return on assets (ROA) | 0.7338% | 3,976 |
| Pretax return on assets | 0.9993% | 3,534 |
| Return on Equity (ROE) | 4.6653% | 4,586 |
| Retained earnings to average equity (ytd only) | 4.6653% | 3,325 |
| Net charge-offs to loans | 2.8199% | 38 |
| Credit loss provision to net charge-offs | 101.9567% | 1,521 |
| Earnings coverage of net charge-offs (x) | 1.4228% | 2,559 |
| Efficiency ratio | 73.9013% | 1,911 |
| Assets per employee ($millions) | 3.7718% | 4,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9585% | 163 |
| Loan loss allowance to noncurrent loans | 233.7600% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 1.1566% | 1,325 |
| Noncurrent loans to loans | 1.2656% | 1,424 |
| Net loans and leases to total assets | 88.6793% | 101 |
| Net loans and leases to deposits | 116.6026% | 147 |
| Net loans and leases to core deposits | 177.6277% | 53 |
| Total domestic deposits to total assets | 76.0526% | 4,958 |
| Equity capital to assets | 17.0697% | 394 |
| Core capital (leverage) ratio | 14.5677% | 747 |
| Tier 1 risk-based capital ratio | 16.8460% | 2,163 |
| Total risk-based capital ratio | 18.1172% | 2,107 |
| Memoranda: |
| Average total assets | $313,422,500 | 2,125 |
| Average earning assets | $294,444,000 | 2,097 |
| Average equity | $49,300,000 | 1,553 |
| Average total loans | $275,471,500 | 1,717 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.5505% | 24 |
| Cost of funding earning assets | 1.1673% | 87 |
| Net interest margin | 8.3832% | 24 |
| Noninterest income to average assets | 7.5392% | 75 |
| Noninterest expense to average assets | 11.1448% | 59 |
| Loan and lease loss provision to assets | 3.0878% | 21 |
| Net operating income to assets | 0.7567% | 3,358 |
| Return on assets (ROA) | 0.7567% | 3,398 |
| Pretax return on assets | 1.2335% | 2,620 |
| Return on Equity (ROE) | 4.8026% | 4,244 |
| Retained earnings to average equity (ytd only) | 3.9691% | 2,814 |
| Net charge-offs to loans | 2.5139% | 54 |
| Credit loss provision to net charge-offs | 137.6612% | 1,922 |
| Earnings coverage of net charge-offs (x) | 1.9265% | 3,829 |
| Efficiency ratio | 65.3174% | 3,382 |
| Assets per employee ($millions) | 4.4346% | 3,299 |
| Cash dividends to net income (ytd only)* | 17.3540% | 3,752 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9709% | 145 |
| Loan loss allowance to noncurrent loans | 284.8557% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.8855% | 1,756 |
| Noncurrent loans to loans | 1.0430% | 1,708 |
| Net loans and leases to total assets | 82.3773% | 627 |
| Net loans and leases to deposits | 102.3230% | 587 |
| Net loans and leases to core deposits | 155.2626% | 110 |
| Total domestic deposits to total assets | 80.5071% | 4,247 |
| Equity capital to assets | 14.9354% | 692 |
| Core capital (leverage) ratio | 14.7046% | 680 |
| Tier 1 risk-based capital ratio | 15.8884% | 2,474 |
| Total risk-based capital ratio | 17.1599% | 2,408 |
| Memoranda: |
| Average total assets | $307,659,600 | 2,130 |
| Average earning assets | $290,916,800 | 2,094 |
| Average equity | $48,474,200 | 1,557 |
| Average total loans | $274,517,200 | 1,692 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.4428% | 24 |
| Cost of funding earning assets | 1.1066% | 106 |
| Net interest margin | 8.3363% | 24 |
| Noninterest income to average assets | 7.6430% | 78 |
| Noninterest expense to average assets | 11.2945% | 60 |
| Loan and lease loss provision to assets | 3.3838% | 22 |
| Net operating income to assets | 0.5255% | 4,662 |
| Return on assets (ROA) | 0.5255% | 4,695 |
| Pretax return on assets | 0.8656% | 4,154 |
| Return on Equity (ROE) | 3.2880% | 5,039 |
| Retained earnings to average equity (ytd only) | 2.1671% | 4,562 |
| Net charge-offs to loans | 2.7571% | 51 |
| Credit loss provision to net charge-offs | 135.7346% | 1,816 |
| Earnings coverage of net charge-offs (x) | 1.7046% | 3,555 |
| Efficiency ratio | 64.7477% | 3,415 |
| Assets per employee ($millions) | 4.2782% | 3,510 |
| Cash dividends to net income (ytd only)* | 34.0911% | 2,558 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8630% | 180 |
| Loan loss allowance to noncurrent loans | 311.4126% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.8250% | 2,093 |
| Noncurrent loans to loans | 0.9194% | 2,087 |
| Net loans and leases to total assets | 87.1691% | 193 |
| Net loans and leases to deposits | 110.3679% | 264 |
| Net loans and leases to core deposits | 148.4409% | 130 |
| Total domestic deposits to total assets | 78.9805% | 4,533 |
| Equity capital to assets | 15.9851% | 548 |
| Core capital (leverage) ratio | 15.6351% | 556 |
| Tier 1 risk-based capital ratio | 16.3760% | 2,359 |
| Total risk-based capital ratio | 17.6462% | 2,304 |
| Memoranda: |
| Average total assets | $301,426,250 | 2,178 |
| Average earning assets | $285,684,250 | 2,135 |
| Average equity | $48,174,250 | 1,580 |
| Average total loans | $272,554,000 | 1,707 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.3940% | 27 |
| Cost of funding earning assets | 1.0351% | 140 |
| Net interest margin | 8.3589% | 26 |
| Noninterest income to average assets | 7.8855% | 79 |
| Noninterest expense to average assets | 10.9895% | 58 |
| Loan and lease loss provision to assets | 3.7252% | 20 |
| Net operating income to assets | 0.6712% | 3,975 |
| Return on assets (ROA) | 0.6712% | 4,034 |
| Pretax return on assets | 1.1109% | 3,130 |
| Return on Equity (ROE) | 4.2000% | 4,770 |
| Retained earnings to average equity (ytd only) | 2.5142% | 4,180 |
| Net charge-offs to loans | 2.7269% | 51 |
| Credit loss provision to net charge-offs | 150.6997% | 1,517 |
| Earnings coverage of net charge-offs (x) | 1.9564% | 3,225 |
| Efficiency ratio | 61.7108% | 4,047 |
| Assets per employee ($millions) | 4.0487% | 3,877 |
| Cash dividends to net income (ytd only)* | 40.1388% | 2,322 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8378% | 193 |
| Loan loss allowance to noncurrent loans | 299.7656% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.8906% | 1,992 |
| Noncurrent loans to loans | 0.9467% | 2,067 |
| Net loans and leases to total assets | 91.4042% | 50 |
| Net loans and leases to deposits | 117.0137% | 137 |
| Net loans and leases to core deposits | 159.5853% | 92 |
| Total domestic deposits to total assets | 78.1141% | 4,795 |
| Equity capital to assets | 16.8301% | 426 |
| Core capital (leverage) ratio | 15.5083% | 543 |
| Tier 1 risk-based capital ratio | 16.5436% | 2,304 |
| Total risk-based capital ratio | 17.8138% | 2,247 |
| Memoranda: |
| Average total assets | $300,651,330 | 2,187 |
| Average earning assets | $285,587,330 | 2,139 |
| Average equity | $48,047,330 | 1,585 |
| Average total loans | $272,545,000 | 1,702 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.2182% | 28 |
| Cost of funding earning assets | 0.9652% | 195 |
| Net interest margin | 8.2530% | 29 |
| Noninterest income to average assets | 7.4610% | 82 |
| Noninterest expense to average assets | 10.4788% | 64 |
| Loan and lease loss provision to assets | 3.6973% | 20 |
| Net operating income to assets | 0.6848% | 3,767 |
| Return on assets (ROA) | 0.6848% | 3,802 |
| Pretax return on assets | 1.1326% | 2,849 |
| Return on Equity (ROE) | 4.3942% | 4,632 |
| Retained earnings to average equity (ytd only) | 2.0968% | 4,306 |
| Net charge-offs to loans | 2.8157% | 58 |
| Credit loss provision to net charge-offs | 147.4559% | 1,227 |
| Earnings coverage of net charge-offs (x) | 1.9263% | 2,662 |
| Efficiency ratio | 60.6599% | 4,373 |
| Assets per employee ($millions) | 4.3932% | 3,344 |
| Cash dividends to net income (ytd only)* | 52.2814% | 1,618 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5070% | 310 |
| Loan loss allowance to noncurrent loans | 254.3627% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.8696% | 2,133 |
| Noncurrent loans to loans | 0.9856% | 2,077 |
| Net loans and leases to total assets | 86.0176% | 221 |
| Net loans and leases to deposits | 108.6365% | 245 |
| Net loans and leases to core deposits | 169.3761% | 62 |
| Total domestic deposits to total assets | 79.1793% | 4,791 |
| Equity capital to assets | 15.8377% | 520 |
| Core capital (leverage) ratio | 14.8091% | 646 |
| Tier 1 risk-based capital ratio | 16.4718% | 2,368 |
| Total risk-based capital ratio | 17.7377% | 2,309 |
| Memoranda: |
| Average total assets | $307,249,500 | 2,161 |
| Average earning assets | $292,162,000 | 2,123 |
| Average equity | $47,881,500 | 1,587 |
| Average total loans | $273,607,500 | 1,709 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.1818% | 26 |
| Cost of funding earning assets | 0.8586% | 368 |
| Net interest margin | 8.3233% | 27 |
| Noninterest income to average assets | 7.8486% | 76 |
| Noninterest expense to average assets | 11.4048% | 61 |
| Loan and lease loss provision to assets | 2.7629% | 21 |
| Net operating income to assets | 0.9421% | 2,620 |
| Return on assets (ROA) | 0.9421% | 2,730 |
| Pretax return on assets | 1.5480% | 1,437 |
| Return on Equity (ROE) | 5.1148% | 4,370 |
| Retained earnings to average equity (ytd only) | 3.7113% | 3,272 |
| Net charge-offs to loans | 2.2609% | 61 |
| Credit loss provision to net charge-offs | 137.3087% | 1,980 |
| Earnings coverage of net charge-offs (x) | 2.1424% | 3,880 |
| Efficiency ratio | 67.1572% | 3,409 |
| Assets per employee ($millions) | 4.5126% | 3,094 |
| Cash dividends to net income (ytd only)* | 27.4403% | 3,426 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0700% | 577 |
| Loan loss allowance to noncurrent loans | 217.6250% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.8546% | 2,211 |
| Noncurrent loans to loans | 0.9512% | 2,186 |
| Net loans and leases to total assets | 87.9901% | 125 |
| Net loans and leases to deposits | 110.3102% | 218 |
| Net loans and leases to core deposits | 168.8065% | 62 |
| Total domestic deposits to total assets | 79.7661% | 4,614 |
| Equity capital to assets | 15.3368% | 592 |
| Core capital (leverage) ratio | 14.7426% | 645 |
| Tier 1 risk-based capital ratio | 16.0854% | 2,508 |
| Total risk-based capital ratio | 17.3463% | 2,446 |
| Memoranda: |
| Average total assets | $253,358,600 | 2,477 |
| Average earning assets | $239,472,800 | 2,444 |
| Average equity | $46,668,600 | 1,621 |
| Average total loans | $225,480,800 | 1,943 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.1504% | 25 |
| Cost of funding earning assets | 0.8128% | 469 |
| Net interest margin | 8.3376% | 26 |
| Noninterest income to average assets | 7.7908% | 76 |
| Noninterest expense to average assets | 11.6123% | 57 |
| Loan and lease loss provision to assets | 2.8552% | 20 |
| Net operating income to assets | 0.7352% | 3,669 |
| Return on assets (ROA) | 0.7352% | 3,805 |
| Pretax return on assets | 1.1739% | 2,950 |
| Return on Equity (ROE) | 3.7846% | 4,993 |
| Retained earnings to average equity (ytd only) | 2.6208% | 4,346 |
| Net charge-offs to loans | 2.2437% | 53 |
| Credit loss provision to net charge-offs | 143.4380% | 1,830 |
| Earnings coverage of net charge-offs (x) | 2.0241% | 3,627 |
| Efficiency ratio | 69.8155% | 2,912 |
| Assets per employee ($millions) | 5.2750% | 2,073 |
| Cash dividends to net income (ytd only)* | 30.7518% | 2,803 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0539% | 662 |
| Loan loss allowance to noncurrent loans | 296.6721% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.5991% | 3,107 |
| Noncurrent loans to loans | 0.6923% | 2,956 |
| Net loans and leases to total assets | 84.7609% | 346 |
| Net loans and leases to deposits | 105.8914% | 378 |
| Net loans and leases to core deposits | 189.7419% | 51 |
| Total domestic deposits to total assets | 80.0451% | 4,505 |
| Equity capital to assets | 15.3620% | 655 |
| Core capital (leverage) ratio | 15.0779% | 614 |
| Tier 1 risk-based capital ratio | 16.6142% | 2,376 |
| Total risk-based capital ratio | 17.8743% | 2,315 |
| Memoranda: |
| Average total assets | $238,856,250 | 2,598 |
| Average earning assets | $224,903,250 | 2,560 |
| Average equity | $46,397,250 | 1,633 |
| Average total loans | $211,910,000 | 2,035 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.3244% | 35 |
| Cost of funding earning assets | 0.7454% | 647 |
| Net interest margin | 7.5790% | 35 |
| Noninterest income to average assets | 6.9499% | 88 |
| Noninterest expense to average assets | 11.4656% | 61 |
| Loan and lease loss provision to assets | 1.4781% | 63 |
| Net operating income to assets | 0.6735% | 3,943 |
| Return on assets (ROA) | 0.6735% | 4,077 |
| Pretax return on assets | 1.1077% | 3,169 |
| Return on Equity (ROE) | 3.1561% | 5,202 |
| Retained earnings to average equity (ytd only) | 1.4027% | 4,816 |
| Net charge-offs to loans | 2.1463% | 66 |
| Credit loss provision to net charge-offs | 76.7386% | 2,402 |
| Earnings coverage of net charge-offs (x) | 1.3424% | 3,421 |
| Efficiency ratio | 79.4806% | 1,566 |
| Assets per employee ($millions) | 5.5141% | 1,788 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,719 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2894% | 2,847 |
| Loan loss allowance to noncurrent loans | 245.7040% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.4739% | 3,633 |
| Noncurrent loans to loans | 0.5248% | 3,512 |
| Net loans and leases to total assets | 89.1456% | 93 |
| Net loans and leases to deposits | 111.9246% | 209 |
| Net loans and leases to core deposits | 223.5439% | 39 |
| Total domestic deposits to total assets | 79.6478% | 4,638 |
| Equity capital to assets | 15.8820% | 567 |
| Core capital (leverage) ratio | 20.8481% | 166 |
| Tier 1 risk-based capital ratio | 16.2973% | 2,505 |
| Total risk-based capital ratio | 17.5476% | 2,449 |
| Memoranda: |
| Average total assets | $216,491,670 | 2,809 |
| Average earning assets | $202,850,330 | 2,780 |
| Average equity | $46,196,330 | 1,640 |
| Average total loans | $194,292,000 | 2,172 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.9100% | 21 |
| Cost of funding earning assets | 0.8138% | 451 |
| Net interest margin | 9.0962% | 24 |
| Noninterest income to average assets | 7.4082% | 83 |
| Noninterest expense to average assets | 12.3216% | 57 |
| Loan and lease loss provision to assets | 2.1947% | 35 |
| Net operating income to assets | 0.8308% | 3,093 |
| Return on assets (ROA) | 0.8308% | 3,222 |
| Pretax return on assets | 1.3526% | 2,081 |
| Return on Equity (ROE) | 3.2200% | 5,154 |
| Retained earnings to average equity (ytd only) | 0.3558% | 5,032 |
| Net charge-offs to loans | 2.1069% | 68 |
| Credit loss provision to net charge-offs | 116.6667% | 1,462 |
| Earnings coverage of net charge-offs (x) | 1.8857% | 2,758 |
| Efficiency ratio | 75.3034% | 2,278 |
| Assets per employee ($millions) | 3.4411% | 4,898 |
| Cash dividends to net income (ytd only)* | 88.9488% | 855 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6164% | 344 |
| Loan loss allowance to noncurrent loans | 278.3690% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.8245% | 2,632 |
| Noncurrent loans to loans | 0.9399% | 2,498 |
| Net loans and leases to total assets | 85.4304% | 263 |
| Net loans and leases to deposits | 129.6568% | 39 |
| Net loans and leases to core deposits | 164.6760% | 68 |
| Total domestic deposits to total assets | 65.8896% | 5,966 |
| Equity capital to assets | 26.2794% | 79 |
| Core capital (leverage) ratio | 25.7066% | 85 |
| Tier 1 risk-based capital ratio | 28.2091% | 596 |
| Total risk-based capital ratio | 29.4752% | 580 |
| Memoranda: |
| Average total assets | $178,613,000 | 3,217 |
| Average earning assets | $166,134,500 | 3,195 |
| Average equity | $46,087,000 | 1,639 |
| Average total loans | $159,473,000 | 2,533 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.8723% | 20 |
| Cost of funding earning assets | 0.7069% | 789 |
| Net interest margin | 9.1654% | 20 |
| Noninterest income to average assets | 7.1358% | 89 |
| Noninterest expense to average assets | 11.7238% | 60 |
| Loan and lease loss provision to assets | 1.4157% | 52 |
| Net operating income to assets | 1.4339% | 974 |
| Return on assets (ROA) | 1.4339% | 1,005 |
| Pretax return on assets | 2.3647% | 264 |
| Return on Equity (ROE) | 5.7347% | 4,166 |
| Retained earnings to average equity (ytd only) | 2.5463% | 4,255 |
| Net charge-offs to loans | 2.1344% | 62 |
| Credit loss provision to net charge-offs | 76.4095% | 3,015 |
| Earnings coverage of net charge-offs (x) | 2.0404% | 3,987 |
| Efficiency ratio | 73.2589% | 2,700 |
| Assets per employee ($millions) | 3.4289% | 4,940 |
| Cash dividends to net income (ytd only)* | 55.5982% | 1,995 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3565% | 480 |
| Loan loss allowance to noncurrent loans | 279.9136% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.7643% | 2,773 |
| Noncurrent loans to loans | 0.8419% | 2,682 |
| Net loans and leases to total assets | 88.6497% | 104 |
| Net loans and leases to deposits | 131.7630% | 39 |
| Net loans and leases to core deposits | 176.5040% | 54 |
| Total domestic deposits to total assets | 67.2797% | 5,989 |
| Equity capital to assets | 25.3424% | 89 |
| Core capital (leverage) ratio | 25.6973% | 83 |
| Tier 1 risk-based capital ratio | 26.4436% | 712 |
| Total risk-based capital ratio | 27.7065% | 685 |
| Memoranda: |
| Average total assets | $181,886,200 | 3,137 |
| Average earning assets | $166,070,600 | 3,173 |
| Average equity | $45,477,400 | 1,620 |
| Average total loans | $157,889,800 | 2,497 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.8383% | 21 |
| Cost of funding earning assets | 0.6888% | 889 |
| Net interest margin | 9.1494% | 21 |
| Noninterest income to average assets | 6.9382% | 97 |
| Noninterest expense to average assets | 11.2945% | 68 |
| Loan and lease loss provision to assets | 1.2826% | 46 |
| Net operating income to assets | 1.6658% | 669 |
| Return on assets (ROA) | 1.6658% | 689 |
| Pretax return on assets | 2.6743% | 180 |
| Return on Equity (ROE) | 6.6852% | 3,790 |
| Retained earnings to average equity (ytd only) | 2.4206% | 4,661 |
| Net charge-offs to loans | 2.0847% | 53 |
| Credit loss provision to net charge-offs | 71.6919% | 2,729 |
| Earnings coverage of net charge-offs (x) | 2.2118% | 3,708 |
| Efficiency ratio | 71.5377% | 2,954 |
| Assets per employee ($millions) | 3.3881% | 5,007 |
| Cash dividends to net income (ytd only)* | 63.7925% | 1,264 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5649% | 403 |
| Loan loss allowance to noncurrent loans | 296.8030% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.7351% | 3,073 |
| Noncurrent loans to loans | 0.8642% | 2,817 |
| Net loans and leases to total assets | 82.8878% | 488 |
| Net loans and leases to deposits | 123.7880% | 74 |
| Net loans and leases to core deposits | 166.2672% | 65 |
| Total domestic deposits to total assets | 66.9594% | 6,069 |
| Equity capital to assets | 25.0048% | 96 |
| Core capital (leverage) ratio | 25.7141% | 81 |
| Tier 1 risk-based capital ratio | 27.7887% | 634 |
| Total risk-based capital ratio | 29.0542% | 618 |
| Memoranda: |
| Average total assets | $181,925,000 | 3,166 |
| Average earning assets | $165,296,000 | 3,210 |
| Average equity | $45,333,000 | 1,636 |
| Average total loans | $156,114,250 | 2,530 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.7989% | 22 |
| Cost of funding earning assets | 0.6613% | 1,041 |
| Net interest margin | 9.1375% | 20 |
| Noninterest income to average assets | 6.7970% | 101 |
| Noninterest expense to average assets | 11.1906% | 71 |
| Loan and lease loss provision to assets | 1.3988% | 44 |
| Net operating income to assets | 1.5563% | 822 |
| Return on assets (ROA) | 1.5563% | 850 |
| Pretax return on assets | 2.5014% | 252 |
| Return on Equity (ROE) | 6.2529% | 4,014 |
| Retained earnings to average equity (ytd only) | 1.1639% | 5,102 |
| Net charge-offs to loans | 2.1463% | 65 |
| Credit loss provision to net charge-offs | 75.7305% | 2,387 |
| Earnings coverage of net charge-offs (x) | 2.1115% | 3,404 |
| Efficiency ratio | 72.0166% | 2,995 |
| Assets per employee ($millions) | 3.5813% | 4,655 |
| Cash dividends to net income (ytd only)* | 81.3871% | 886 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7840% | 340 |
| Loan loss allowance to noncurrent loans | 389.7903% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.6126% | 3,578 |
| Noncurrent loans to loans | 0.7142% | 3,346 |
| Net loans and leases to total assets | 83.3859% | 426 |
| Net loans and leases to deposits | 126.9264% | 57 |
| Net loans and leases to core deposits | 157.5568% | 85 |
| Total domestic deposits to total assets | 65.6963% | 6,178 |
| Equity capital to assets | 25.2272% | 92 |
| Core capital (leverage) ratio | 26.4209% | 81 |
| Tier 1 risk-based capital ratio | 28.0435% | 634 |
| Total risk-based capital ratio | 29.3119% | 631 |
| Memoranda: |
| Average total assets | $181,581,000 | 3,199 |
| Average earning assets | $164,815,000 | 3,240 |
| Average equity | $45,194,670 | 1,645 |
| Average total loans | $156,272,000 | 2,535 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 10.1001% | 18 |
| Cost of funding earning assets | 0.6574% | 1,064 |
| Net interest margin | 9.4427% | 19 |
| Noninterest income to average assets | 6.4100% | 111 |
| Noninterest expense to average assets | 11.2099% | 70 |
| Loan and lease loss provision to assets | 1.8158% | 34 |
| Net operating income to assets | 1.2032% | 1,539 |
| Return on assets (ROA) | 1.2032% | 1,633 |
| Pretax return on assets | 1.9318% | 673 |
| Return on Equity (ROE) | 4.8667% | 4,596 |
| Retained earnings to average equity (ytd only) | 4.8667% | 3,130 |
| Net charge-offs to loans | 1.9567% | 88 |
| Credit loss provision to net charge-offs | 107.6524% | 1,531 |
| Earnings coverage of net charge-offs (x) | 2.2218% | 2,803 |
| Efficiency ratio | 72.7220% | 3,046 |
| Assets per employee ($millions) | 3.4824% | 4,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1251% | 268 |
| Loan loss allowance to noncurrent loans | 362.2613% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.7518% | 3,239 |
| Noncurrent loans to loans | 0.8627% | 3,089 |
| Net loans and leases to total assets | 84.4223% | 285 |
| Net loans and leases to deposits | 131.3670% | 31 |
| Net loans and leases to core deposits | 166.4670% | 71 |
| Total domestic deposits to total assets | 64.2645% | 6,276 |
| Equity capital to assets | 26.1278% | 85 |
| Core capital (leverage) ratio | 24.9238% | 91 |
| Tier 1 risk-based capital ratio | 28.4591% | 627 |
| Total risk-based capital ratio | 29.7313% | 612 |
| Memoranda: |
| Average total assets | $182,839,000 | 3,203 |
| Average earning assets | $165,503,500 | 3,246 |
| Average equity | $45,205,500 | 1,647 |
| Average total loans | $157,612,500 | 2,520 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 10.1471% | 21 |
| Cost of funding earning assets | 0.5731% | 2,018 |
| Net interest margin | 9.5740% | 20 |
| Noninterest income to average assets | 6.4349% | 95 |
| Noninterest expense to average assets | 10.7259% | 67 |
| Loan and lease loss provision to assets | 1.6510% | 45 |
| Net operating income to assets | 1.7398% | 534 |
| Return on assets (ROA) | 1.7398% | 544 |
| Pretax return on assets | 2.8258% | 131 |
| Return on Equity (ROE) | 7.3161% | 3,466 |
| Retained earnings to average equity (ytd only) | 7.3161% | 1,266 |
| Net charge-offs to loans | 2.2968% | 68 |
| Credit loss provision to net charge-offs | 82.5296% | 2,821 |
| Earnings coverage of net charge-offs (x) | 2.2378% | 4,214 |
| Efficiency ratio | 68.0941% | 3,888 |
| Assets per employee ($millions) | 4.1643% | 3,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8651% | 344 |
| Loan loss allowance to noncurrent loans | 375.0200% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.6520% | 3,612 |
| Noncurrent loans to loans | 0.7640% | 3,408 |
| Net loans and leases to total assets | 82.9007% | 440 |
| Net loans and leases to deposits | 121.4593% | 86 |
| Net loans and leases to core deposits | 180.3195% | 57 |
| Total domestic deposits to total assets | 68.2538% | 6,259 |
| Equity capital to assets | 23.4484% | 121 |
| Core capital (leverage) ratio | 25.0553% | 90 |
| Tier 1 risk-based capital ratio | 26.4309% | 727 |
| Total risk-based capital ratio | 27.7002% | 711 |
| Memoranda: |
| Average total assets | $181,401,200 | 3,192 |
| Average earning assets | $166,126,800 | 3,203 |
| Average equity | $43,137,800 | 1,668 |
| Average total loans | $158,002,200 | 2,454 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 10.3319% | 20 |
| Cost of funding earning assets | 0.5505% | 2,285 |
| Net interest margin | 9.7814% | 20 |
| Noninterest income to average assets | 6.3310% | 99 |
| Noninterest expense to average assets | 11.0116% | 62 |
| Loan and lease loss provision to assets | 1.6996% | 45 |
| Net operating income to assets | 1.6139% | 727 |
| Return on assets (ROA) | 1.6139% | 756 |
| Pretax return on assets | 2.6001% | 181 |
| Return on Equity (ROE) | 6.7613% | 3,823 |
| Retained earnings to average equity (ytd only) | 6.7613% | 1,949 |
| Net charge-offs to loans | 2.3383% | 73 |
| Credit loss provision to net charge-offs | 82.9996% | 2,543 |
| Earnings coverage of net charge-offs (x) | 2.0997% | 3,992 |
| Efficiency ratio | 69.3427% | 3,619 |
| Assets per employee ($millions) | 3.9968% | 3,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1290% | 316 |
| Loan loss allowance to noncurrent loans | 388.0000% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.6950% | 3,729 |
| Noncurrent loans to loans | 0.8065% | 3,561 |
| Net loans and leases to total assets | 83.4825% | 367 |
| Net loans and leases to deposits | 125.0843% | 65 |
| Net loans and leases to core deposits | 172.9281% | 58 |
| Total domestic deposits to total assets | 66.7410% | 6,386 |
| Equity capital to assets | 24.4093% | 105 |
| Core capital (leverage) ratio | 25.1324% | 88 |
| Tier 1 risk-based capital ratio | 27.3309% | 686 |
| Total risk-based capital ratio | 28.6034% | 669 |
| Memoranda: |
| Average total assets | $178,862,250 | 3,245 |
| Average earning assets | $164,212,250 | 3,257 |
| Average equity | $42,693,000 | 1,696 |
| Average total loans | $156,631,250 | 2,483 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 10.2610% | 21 |
| Cost of funding earning assets | 0.5354% | 2,485 |
| Net interest margin | 9.7257% | 20 |
| Noninterest income to average assets | 6.1446% | 99 |
| Noninterest expense to average assets | 11.0569% | 65 |
| Loan and lease loss provision to assets | 1.8260% | 41 |
| Net operating income to assets | 1.3802% | 1,110 |
| Return on assets (ROA) | 1.3802% | 1,154 |
| Pretax return on assets | 2.2159% | 350 |
| Return on Equity (ROE) | 5.8264% | 4,255 |
| Retained earnings to average equity (ytd only) | 5.8264% | 2,434 |
| Net charge-offs to loans | 2.4851% | 79 |
| Credit loss provision to net charge-offs | 83.4613% | 2,288 |
| Earnings coverage of net charge-offs (x) | 1.8474% | 3,700 |
| Efficiency ratio | 70.4630% | 3,580 |
| Assets per employee ($millions) | 3.9130% | 4,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2226% | 297 |
| Loan loss allowance to noncurrent loans | 417.2097% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.6798% | 3,954 |
| Noncurrent loans to loans | 0.7724% | 3,774 |
| Net loans and leases to total assets | 85.1707% | 229 |
| Net loans and leases to deposits | 124.0279% | 60 |
| Net loans and leases to core deposits | 167.7145% | 62 |
| Total domestic deposits to total assets | 68.6706% | 6,399 |
| Equity capital to assets | 24.4054% | 102 |
| Core capital (leverage) ratio | 24.9148% | 86 |
| Tier 1 risk-based capital ratio | 26.7729% | 716 |
| Total risk-based capital ratio | 28.0465% | 703 |
| Memoranda: |
| Average total assets | $178,530,330 | 3,266 |
| Average earning assets | $164,369,330 | 3,262 |
| Average equity | $42,290,000 | 1,698 |
| Average total loans | $157,175,000 | 2,485 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 10.3851% | 18 |
| Cost of funding earning assets | 0.5294% | 2,615 |
| Net interest margin | 9.8558% | 19 |
| Noninterest income to average assets | 5.7100% | 102 |
| Noninterest expense to average assets | 10.7770% | 66 |
| Loan and lease loss provision to assets | 2.3143% | 30 |
| Net operating income to assets | 1.0815% | 1,891 |
| Return on assets (ROA) | 1.0815% | 1,956 |
| Pretax return on assets | 1.7335% | 911 |
| Return on Equity (ROE) | 4.6343% | 4,721 |
| Retained earnings to average equity (ytd only) | 4.6343% | 3,336 |
| Net charge-offs to loans | 2.7066% | 82 |
| Credit loss provision to net charge-offs | 97.1055% | 1,725 |
| Earnings coverage of net charge-offs (x) | 1.6984% | 3,038 |
| Efficiency ratio | 69.8589% | 3,864 |
| Assets per employee ($millions) | 4.1750% | 3,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4664% | 276 |
| Loan loss allowance to noncurrent loans | 397.8179% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.7579% | 3,848 |
| Noncurrent loans to loans | 0.8713% | 3,717 |
| Net loans and leases to total assets | 83.9659% | 238 |
| Net loans and leases to deposits | 121.9509% | 63 |
| Net loans and leases to core deposits | 164.3523% | 63 |
| Total domestic deposits to total assets | 68.8522% | 6,490 |
| Equity capital to assets | 24.0660% | 108 |
| Core capital (leverage) ratio | 23.8400% | 108 |
| Tier 1 risk-based capital ratio | 26.9022% | 718 |
| Total risk-based capital ratio | 28.1777% | 707 |
| Memoranda: |
| Average total assets | $179,753,500 | 3,280 |
| Average earning assets | $166,237,500 | 3,265 |
| Average equity | $41,948,000 | 1,704 |
| Average total loans | $158,279,500 | 2,483 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 10.3560% | 24 |
| Cost of funding earning assets | 0.5337% | 3,257 |
| Net interest margin | 9.8223% | 20 |
| Noninterest income to average assets | 6.1417% | 107 |
| Noninterest expense to average assets | 10.5187% | 74 |
| Loan and lease loss provision to assets | 1.6939% | 68 |
| Net operating income to assets | 1.9179% | 386 |
| Return on assets (ROA) | 1.9179% | 393 |
| Pretax return on assets | 3.1198% | 106 |
| Return on Equity (ROE) | 8.4837% | 2,790 |
| Retained earnings to average equity (ytd only) | 8.4837% | 912 |
| Net charge-offs to loans | 2.2731% | 141 |
| Credit loss provision to net charge-offs | 83.0791% | 2,953 |
| Earnings coverage of net charge-offs (x) | 2.3609% | 4,224 |
| Efficiency ratio | 64.5321% | 4,810 |
| Assets per employee ($millions) | 4.4916% | 2,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2420% | 354 |
| Loan loss allowance to noncurrent loans | 357.8735% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.8069% | 3,866 |
| Noncurrent loans to loans | 0.9059% | 3,717 |
| Net loans and leases to total assets | 86.1873% | 145 |
| Net loans and leases to deposits | 122.1733% | 58 |
| Net loans and leases to core deposits | 175.6985% | 56 |
| Total domestic deposits to total assets | 70.5451% | 6,500 |
| Equity capital to assets | 22.6417% | 129 |
| Core capital (leverage) ratio | 23.7822% | 104 |
| Tier 1 risk-based capital ratio | 24.7351% | 878 |
| Total risk-based capital ratio | 26.0094% | 867 |
| Memoranda: |
| Average total assets | $176,808,200 | 3,308 |
| Average earning assets | $165,439,600 | 3,275 |
| Average equity | $39,970,800 | 1,744 |
| Average total loans | $158,596,800 | 2,445 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 10.3841% | 24 |
| Cost of funding earning assets | 0.5233% | 3,534 |
| Net interest margin | 9.8609% | 21 |
| Noninterest income to average assets | 6.0961% | 110 |
| Noninterest expense to average assets | 10.5135% | 77 |
| Loan and lease loss provision to assets | 1.6993% | 59 |
| Net operating income to assets | 1.9325% | 412 |
| Return on assets (ROA) | 1.9325% | 426 |
| Pretax return on assets | 3.1311% | 121 |
| Return on Equity (ROE) | 8.5516% | 2,861 |
| Retained earnings to average equity (ytd only) | 8.5516% | 1,212 |
| Net charge-offs to loans | 2.2768% | 149 |
| Credit loss provision to net charge-offs | 83.0540% | 2,777 |
| Earnings coverage of net charge-offs (x) | 2.3609% | 4,049 |
| Efficiency ratio | 64.3226% | 4,745 |
| Assets per employee ($millions) | 4.5873% | 2,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5226% | 332 |
| Loan loss allowance to noncurrent loans | 394.3084% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.7963% | 4,111 |
| Noncurrent loans to loans | 0.8934% | 4,037 |
| Net loans and leases to total assets | 85.9898% | 152 |
| Net loans and leases to deposits | 123.7464% | 56 |
| Net loans and leases to core deposits | 153.6082% | 83 |
| Total domestic deposits to total assets | 69.4887% | 6,619 |
| Equity capital to assets | 23.4465% | 113 |
| Core capital (leverage) ratio | 24.1190% | 98 |
| Tier 1 risk-based capital ratio | 25.6741% | 812 |
| Total risk-based capital ratio | 26.9483% | 801 |
| Memoranda: |
| Average total assets | $174,971,250 | 3,362 |
| Average earning assets | $164,092,250 | 3,318 |
| Average equity | $39,539,500 | 1,777 |
| Average total loans | $157,236,750 | 2,469 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 10.3337% | 21 |
| Cost of funding earning assets | 0.5219% | 3,688 |
| Net interest margin | 9.8119% | 19 |
| Noninterest income to average assets | 5.9444% | 123 |
| Noninterest expense to average assets | 10.2106% | 79 |
| Loan and lease loss provision to assets | 1.9065% | 57 |
| Net operating income to assets | 1.8757% | 448 |
| Return on assets (ROA) | 1.8757% | 478 |
| Pretax return on assets | 3.0356% | 142 |
| Return on Equity (ROE) | 8.4050% | 2,897 |
| Retained earnings to average equity (ytd only) | 8.4050% | 1,332 |
| Net charge-offs to loans | 2.4794% | 154 |
| Credit loss provision to net charge-offs | 85.3347% | 2,533 |
| Earnings coverage of net charge-offs (x) | 2.2121% | 3,790 |
| Efficiency ratio | 63.0151% | 5,016 |
| Assets per employee ($millions) | 4.6533% | 2,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6055% | 342 |
| Loan loss allowance to noncurrent loans | 401.1380% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.8166% | 4,189 |
| Noncurrent loans to loans | 0.8988% | 4,130 |
| Net loans and leases to total assets | 87.5794% | 104 |
| Net loans and leases to deposits | 127.6642% | 44 |
| Net loans and leases to core deposits | 153.9046% | 86 |
| Total domestic deposits to total assets | 68.6013% | 6,704 |
| Equity capital to assets | 23.2168% | 116 |
| Core capital (leverage) ratio | 23.8492% | 95 |
| Tier 1 risk-based capital ratio | 25.1199% | 862 |
| Total risk-based capital ratio | 26.3990% | 845 |
| Memoranda: |
| Average total assets | $175,189,670 | 3,371 |
| Average earning assets | $164,413,000 | 3,332 |
| Average equity | $39,095,670 | 1,792 |
| Average total loans | $157,860,000 | 2,468 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 10.2312% | 24 |
| Cost of funding earning assets | 0.5324% | 3,749 |
| Net interest margin | 9.6988% | 20 |
| Noninterest income to average assets | 5.6345% | 125 |
| Noninterest expense to average assets | 10.4540% | 78 |
| Loan and lease loss provision to assets | 2.1958% | 51 |
| Net operating income to assets | 1.3084% | 1,256 |
| Return on assets (ROA) | 1.3084% | 1,360 |
| Pretax return on assets | 2.0985% | 495 |
| Return on Equity (ROE) | 5.9808% | 4,059 |
| Retained earnings to average equity (ytd only) | 5.9808% | 2,686 |
| Net charge-offs to loans | 2.2828% | 192 |
| Credit loss provision to net charge-offs | 107.1823% | 1,725 |
| Earnings coverage of net charge-offs (x) | 2.0961% | 3,131 |
| Efficiency ratio | 66.4620% | 4,584 |
| Assets per employee ($millions) | 4.1342% | 3,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.9178% | 308 |
| Loan loss allowance to noncurrent loans | 387.8964% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.9115% | 4,117 |
| Noncurrent loans to loans | 1.0100% | 4,109 |
| Net loans and leases to total assets | 86.7105% | 103 |
| Net loans and leases to deposits | 121.4357% | 59 |
| Net loans and leases to core deposits | 147.7428% | 102 |
| Total domestic deposits to total assets | 71.4045% | 6,687 |
| Equity capital to assets | 22.9744% | 131 |
| Core capital (leverage) ratio | 22.2109% | 127 |
| Tier 1 risk-based capital ratio | 25.0394% | 884 |
| Total risk-based capital ratio | 26.3178% | 869 |
| Memoranda: |
| Average total assets | $176,698,000 | 3,392 |
| Average earning assets | $166,041,000 | 3,345 |
| Average equity | $38,657,000 | 1,840 |
| Average total loans | $158,576,000 | 2,467 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 10.5651% | 26 |
| Cost of funding earning assets | 0.5484% | 4,832 |
| Net interest margin | 10.0167% | 21 |
| Noninterest income to average assets | 6.6136% | 106 |
| Noninterest expense to average assets | 9.9667% | 83 |
| Loan and lease loss provision to assets | 1.6840% | 162 |
| Net operating income to assets | 2.6823% | 126 |
| Return on assets (ROA) | 2.6823% | 135 |
| Pretax return on assets | 4.3640% | 68 |
| Return on Equity (ROE) | 12.9386% | 1,242 |
| Retained earnings to average equity (ytd only) | 12.9386% | 258 |
| Net charge-offs to loans | 2.4061% | 266 |
| Credit loss provision to net charge-offs | 78.2760% | 3,880 |
| Earnings coverage of net charge-offs (x) | 2.8112% | 4,024 |
| Efficiency ratio | 58.0066% | 5,826 |
| Assets per employee ($millions) | 4.4852% | 2,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6106% | 390 |
| Loan loss allowance to noncurrent loans | 575.5340% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.5601% | 5,082 |
| Noncurrent loans to loans | 0.6273% | 4,954 |
| Net loans and leases to total assets | 86.0577% | 126 |
| Net loans and leases to deposits | 117.7186% | 82 |
| Net loans and leases to core deposits | 157.6858% | 87 |
| Total domestic deposits to total assets | 73.1046% | 6,611 |
| Equity capital to assets | 20.8664% | 189 |
| Core capital (leverage) ratio | 22.0003% | 135 |
| Tier 1 risk-based capital ratio | 23.0833% | 1,102 |
| Total risk-based capital ratio | 24.3627% | 1,082 |
| Memoranda: |
| Average total assets | $173,097,000 | 3,400 |
| Average earning assets | $162,458,800 | 3,340 |
| Average equity | $35,884,800 | 1,926 |
| Average total loans | $154,774,600 | 2,507 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 10.5275% | 23 |
| Cost of funding earning assets | 0.5575% | 5,020 |
| Net interest margin | 9.9701% | 20 |
| Noninterest income to average assets | 6.8176% | 100 |
| Noninterest expense to average assets | 10.3371% | 74 |
| Loan and lease loss provision to assets | 1.9092% | 138 |
| Net operating income to assets | 2.4483% | 193 |
| Return on assets (ROA) | 2.4483% | 209 |
| Pretax return on assets | 3.9334% | 82 |
| Return on Equity (ROE) | 11.8308% | 1,687 |
| Retained earnings to average equity (ytd only) | 11.8308% | 559 |
| Net charge-offs to loans | 2.4213% | 261 |
| Credit loss provision to net charge-offs | 88.1503% | 3,356 |
| Earnings coverage of net charge-offs (x) | 2.6976% | 3,956 |
| Efficiency ratio | 59.5996% | 5,563 |
| Assets per employee ($millions) | 4.1901% | 3,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.1359% | 276 |
| Loan loss allowance to noncurrent loans | 633.2016% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.5751% | 5,230 |
| Noncurrent loans to loans | 0.6532% | 5,142 |
| Net loans and leases to total assets | 84.3991% | 204 |
| Net loans and leases to deposits | 116.0085% | 98 |
| Net loans and leases to core deposits | 149.8950% | 111 |
| Total domestic deposits to total assets | 72.7525% | 6,697 |
| Equity capital to assets | 20.9526% | 205 |
| Core capital (leverage) ratio | 22.0908% | 140 |
| Tier 1 risk-based capital ratio | 23.5468% | 1,084 |
| Total risk-based capital ratio | 24.8328% | 1,059 |
| Memoranda: |
| Average total assets | $170,397,750 | 3,481 |
| Average earning assets | $160,008,500 | 3,416 |
| Average equity | $35,263,000 | 1,977 |
| Average total loans | $152,422,500 | 2,569 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 10.7723% | 22 |
| Cost of funding earning assets | 0.5749% | 5,118 |
| Net interest margin | 10.1973% | 19 |
| Noninterest income to average assets | 6.9516% | 102 |
| Noninterest expense to average assets | 10.5948% | 73 |
| Loan and lease loss provision to assets | 2.1004% | 130 |
| Net operating income to assets | 2.3769% | 209 |
| Return on assets (ROA) | 2.3769% | 243 |
| Pretax return on assets | 3.8330% | 92 |
| Return on Equity (ROE) | 11.5359% | 1,815 |
| Retained earnings to average equity (ytd only) | 11.5359% | 655 |
| Net charge-offs to loans | 2.3907% | 305 |
| Credit loss provision to net charge-offs | 97.6821% | 2,837 |
| Earnings coverage of net charge-offs (x) | 2.7594% | 3,640 |
| Efficiency ratio | 59.8291% | 5,603 |
| Assets per employee ($millions) | 4.0373% | 3,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.5000% | 233 |
| Loan loss allowance to noncurrent loans | 631.5094% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.6564% | 5,138 |
| Noncurrent loans to loans | 0.7126% | 5,079 |
| Net loans and leases to total assets | 87.9684% | 80 |
| Net loans and leases to deposits | 121.0646% | 68 |
| Net loans and leases to core deposits | 147.7842% | 113 |
| Total domestic deposits to total assets | 72.6624% | 6,767 |
| Equity capital to assets | 22.1330% | 152 |
| Core capital (leverage) ratio | 22.0498% | 134 |
| Tier 1 risk-based capital ratio | 23.8495% | 1,033 |
| Total risk-based capital ratio | 25.1363% | 1,009 |
| Memoranda: |
| Average total assets | $168,536,000 | 3,524 |
| Average earning assets | $158,276,670 | 3,460 |
| Average equity | $34,726,330 | 1,987 |
| Average total loans | $151,584,670 | 2,593 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 10.6637% | 22 |
| Cost of funding earning assets | 0.6000% | 5,126 |
| Net interest margin | 10.0637% | 20 |
| Noninterest income to average assets | 6.6233% | 106 |
| Noninterest expense to average assets | 10.5755% | 73 |
| Loan and lease loss provision to assets | 1.8017% | 175 |
| Net operating income to assets | 2.2667% | 252 |
| Return on assets (ROA) | 2.2667% | 304 |
| Pretax return on assets | 3.6430% | 111 |
| Return on Equity (ROE) | 11.3975% | 1,871 |
| Retained earnings to average equity (ytd only) | 11.3975% | 943 |
| Net charge-offs to loans | 2.3530% | 361 |
| Credit loss provision to net charge-offs | 86.1111% | 2,622 |
| Earnings coverage of net charge-offs (x) | 2.6022% | 3,130 |
| Efficiency ratio | 61.6746% | 5,337 |
| Assets per employee ($millions) | 3.8213% | 4,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.4745% | 251 |
| Loan loss allowance to noncurrent loans | 223.4201% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 1.8008% | 3,172 |
| Noncurrent loans to loans | 2.0027% | 3,160 |
| Net loans and leases to total assets | 85.8938% | 122 |
| Net loans and leases to deposits | 116.0587% | 92 |
| Net loans and leases to core deposits | 149.2887% | 114 |
| Total domestic deposits to total assets | 74.0089% | 6,746 |
| Equity capital to assets | 21.1200% | 176 |
| Core capital (leverage) ratio | 19.9808% | 206 |
| Tier 1 risk-based capital ratio | 23.3781% | 1,085 |
| Total risk-based capital ratio | 24.6681% | 1,061 |
| Memoranda: |
| Average total assets | $172,058,000 | 3,489 |
| Average earning assets | $160,656,500 | 3,425 |
| Average equity | $34,218,000 | 2,022 |
| Average total loans | $152,999,000 | 2,585 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 11.4196% | 21 |
| Cost of funding earning assets | 0.7596% | 5,136 |
| Net interest margin | 10.6599% | 21 |
| Noninterest income to average assets | 6.9157% | 89 |
| Noninterest expense to average assets | 10.4148% | 72 |
| Loan and lease loss provision to assets | 1.0587% | 872 |
| Net operating income to assets | 3.6569% | 59 |
| Return on assets (ROA) | 3.6569% | 62 |
| Pretax return on assets | 5.3241% | 56 |
| Return on Equity (ROE) | 19.7345% | 273 |
| Retained earnings to average equity (ytd only) | 19.7345% | 51 |
| Net charge-offs to loans | 3.1868% | 279 |
| Credit loss provision to net charge-offs | 37.1550% | 5,676 |
| Earnings coverage of net charge-offs (x) | 2.2401% | 4,106 |
| Efficiency ratio | 57.1794% | 6,168 |
| Assets per employee ($millions) | 4.1813% | 3,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.2566% | 309 |
| Loan loss allowance to noncurrent loans | 419.6885% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.8927% | 4,828 |
| Noncurrent loans to loans | 1.0142% | 4,677 |
| Net loans and leases to total assets | 84.2679% | 198 |
| Net loans and leases to deposits | 111.6851% | 148 |
| Net loans and leases to core deposits | 156.5579% | 116 |
| Total domestic deposits to total assets | 75.4513% | 6,543 |
| Equity capital to assets | 18.7611% | 293 |
| Core capital (leverage) ratio | 20.0767% | 198 |
| Tier 1 risk-based capital ratio | 21.0298% | 1,402 |
| Total risk-based capital ratio | 22.3168% | 1,376 |
| Memoranda: |
| Average total assets | $165,304,000 | 3,566 |
| Average earning assets | $153,237,200 | 3,526 |
| Average equity | $30,631,600 | 2,147 |
| Average total loans | $147,797,800 | 2,675 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 11.7553% | 21 |
| Cost of funding earning assets | 0.8114% | 5,077 |
| Net interest margin | 10.9439% | 21 |
| Noninterest income to average assets | 6.8281% | 92 |
| Noninterest expense to average assets | 9.8092% | 75 |
| Loan and lease loss provision to assets | 1.0885% | 760 |
| Net operating income to assets | 3.7802% | 64 |
| Return on assets (ROA) | 3.7802% | 66 |
| Pretax return on assets | 6.0628% | 52 |
| Return on Equity (ROE) | 20.4708% | 282 |
| Retained earnings to average equity (ytd only) | 20.4708% | 73 |
| Net charge-offs to loans | 3.3804% | 244 |
| Credit loss provision to net charge-offs | 35.8598% | 5,327 |
| Earnings coverage of net charge-offs (x) | 2.3559% | 3,949 |
| Efficiency ratio | 52.7836% | 6,612 |
| Assets per employee ($millions) | 4.2412% | 3,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.0652% | 173 |
| Loan loss allowance to noncurrent loans | 471.0983% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.9413% | 4,872 |
| Noncurrent loans to loans | 1.0752% | 4,763 |
| Net loans and leases to total assets | 83.1139% | 283 |
| Net loans and leases to deposits | 111.0602% | 160 |
| Net loans and leases to core deposits | 146.6359% | 147 |
| Total domestic deposits to total assets | 74.8368% | 6,657 |
| Equity capital to assets | 19.5196% | 280 |
| Core capital (leverage) ratio | 20.0996% | 219 |
| Tier 1 risk-based capital ratio | 21.6524% | 1,346 |
| Total risk-based capital ratio | 22.9488% | 1,308 |
| Memoranda: |
| Average total assets | $161,680,500 | 3,641 |
| Average earning assets | $149,693,750 | 3,610 |
| Average equity | $29,856,500 | 2,207 |
| Average total loans | $145,185,250 | 2,727 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 11.8921% | 23 |
| Cost of funding earning assets | 0.8624% | 4,968 |
| Net interest margin | 11.0296% | 22 |
| Noninterest income to average assets | 6.7004% | 101 |
| Noninterest expense to average assets | 9.6710% | 78 |
| Loan and lease loss provision to assets | 1.6455% | 417 |
| Net operating income to assets | 3.4830% | 78 |
| Return on assets (ROA) | 3.4830% | 79 |
| Pretax return on assets | 5.5872% | 58 |
| Return on Equity (ROE) | 19.2382% | 362 |
| Retained earnings to average equity (ytd only) | 19.2382% | 111 |
| Net charge-offs to loans | 3.7630% | 229 |
| Credit loss provision to net charge-offs | 48.2809% | 4,623 |
| Earnings coverage of net charge-offs (x) | 2.1222% | 3,781 |
| Efficiency ratio | 51.9617% | 6,786 |
| Assets per employee ($millions) | 5.6738% | 1,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.8081% | 107 |
| Loan loss allowance to noncurrent loans | 639.5367% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.8151% | 5,251 |
| Noncurrent loans to loans | 0.9082% | 5,147 |
| Net loans and leases to total assets | 84.5430% | 209 |
| Net loans and leases to deposits | 113.3809% | 140 |
| Net loans and leases to core deposits | 157.5606% | 129 |
| Total domestic deposits to total assets | 74.5655% | 6,776 |
| Equity capital to assets | 19.1846% | 307 |
| Core capital (leverage) ratio | 19.7384% | 240 |
| Tier 1 risk-based capital ratio | 21.0020% | 1,420 |
| Total risk-based capital ratio | 22.3087% | 1,386 |
| Memoranda: |
| Average total assets | $160,438,000 | 3,680 |
| Average earning assets | $148,418,330 | 3,647 |
| Average equity | $29,046,330 | 2,239 |
| Average total loans | $145,309,670 | 2,752 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 12.4859% | 22 |
| Cost of funding earning assets | 0.9677% | 4,443 |
| Net interest margin | 11.5182% | 19 |
| Noninterest income to average assets | 6.3837% | 108 |
| Noninterest expense to average assets | 8.9689% | 88 |
| Loan and lease loss provision to assets | 2.7539% | 179 |
| Net operating income to assets | 3.3171% | 97 |
| Return on assets (ROA) | 3.3171% | 99 |
| Pretax return on assets | 5.3218% | 70 |
| Return on Equity (ROE) | 18.8772% | 406 |
| Retained earnings to average equity (ytd only) | 18.8772% | 199 |
| Net charge-offs to loans | 4.3554% | 195 |
| Credit loss provision to net charge-offs | 69.5053% | 3,361 |
| Earnings coverage of net charge-offs (x) | 2.0382% | 3,281 |
| Efficiency ratio | 47.2926% | 7,143 |
| Assets per employee ($millions) | 5.8627% | 1,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.5468% | 79 |
| Loan loss allowance to noncurrent loans | 544.5890% | 599 |
| Noncurrent assets plus other real estate owned to assets | 1.1094% | 4,700 |
| Noncurrent loans to loans | 1.2021% | 4,676 |
| Net loans and leases to total assets | 86.2402% | 120 |
| Net loans and leases to deposits | 114.2222% | 129 |
| Net loans and leases to core deposits | 164.3282% | 120 |
| Total domestic deposits to total assets | 75.5022% | 6,736 |
| Equity capital to assets | 19.0232% | 305 |
| Core capital (leverage) ratio | 17.7836% | 341 |
| Tier 1 risk-based capital ratio | 20.4611% | 1,490 |
| Total risk-based capital ratio | 21.7776% | 1,451 |
| Memoranda: |
| Average total assets | $161,223,500 | 3,685 |
| Average earning assets | $149,224,500 | 3,658 |
| Average equity | $28,330,500 | 2,281 |
| Average total loans | $146,668,000 | 2,760 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 13.7016% | 22 |
| Cost of funding earning assets | 1.2436% | 4,259 |
| Net interest margin | 12.4580% | 18 |
| Noninterest income to average assets | 8.6652% | 75 |
| Noninterest expense to average assets | 9.6823% | 85 |
| Loan and lease loss provision to assets | 5.1870% | 68 |
| Net operating income to assets | 3.3584% | 59 |
| Return on assets (ROA) | 3.3584% | 60 |
| Pretax return on assets | 5.4396% | 46 |
| Return on Equity (ROE) | 21.9826% | 164 |
| Retained earnings to average equity (ytd only) | 21.9826% | 36 |
| Net charge-offs to loans | 5.1714% | 163 |
| Credit loss provision to net charge-offs | 111.4517% | 3,938 |
| Earnings coverage of net charge-offs (x) | 2.2833% | 4,011 |
| Efficiency ratio | 41.8762% | 7,466 |
| Assets per employee ($millions) | 7.7280% | 538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.3509% | 93 |
| Loan loss allowance to noncurrent loans | 400.0000% | 778 |
| Noncurrent assets plus other real estate owned to assets | 1.4257% | 4,207 |
| Noncurrent loans to loans | 1.5877% | 4,119 |
| Net loans and leases to total assets | 84.0945% | 299 |
| Net loans and leases to deposits | 105.7758% | 329 |
| Net loans and leases to core deposits | 177.8738% | 117 |
| Total domestic deposits to total assets | 79.5026% | 5,968 |
| Equity capital to assets | 16.2713% | 548 |
| Core capital (leverage) ratio | 16.9086% | 406 |
| Tier 1 risk-based capital ratio | 17.9169% | 2,029 |
| Total risk-based capital ratio | 19.2307% | 1,966 |
| Memoranda: |
| Average total assets | $161,924,200 | 3,662 |
| Average earning assets | $151,340,400 | 3,615 |
| Average equity | $24,737,800 | 2,579 |
| Average total loans | $145,724,200 | 2,845 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 14.0858% | 20 |
| Cost of funding earning assets | 1.3244% | 4,079 |
| Net interest margin | 12.7614% | 17 |
| Noninterest income to average assets | 9.2105% | 67 |
| Noninterest expense to average assets | 9.7675% | 81 |
| Loan and lease loss provision to assets | 5.5441% | 65 |
| Net operating income to assets | 3.6071% | 49 |
| Return on assets (ROA) | 3.6071% | 52 |
| Pretax return on assets | 5.8460% | 40 |
| Return on Equity (ROE) | 24.0265% | 138 |
| Retained earnings to average equity (ytd only) | 24.0265% | 37 |
| Net charge-offs to loans | 5.2957% | 151 |
| Credit loss provision to net charge-offs | 116.2616% | 3,587 |
| Earnings coverage of net charge-offs (x) | 2.3885% | 3,978 |
| Efficiency ratio | 40.1198% | 7,582 |
| Assets per employee ($millions) | 7.2352% | 697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.7920% | 71 |
| Loan loss allowance to noncurrent loans | 386.1946% | 775 |
| Noncurrent assets plus other real estate owned to assets | 1.5191% | 4,172 |
| Noncurrent loans to loans | 1.7587% | 4,003 |
| Net loans and leases to total assets | 80.5120% | 665 |
| Net loans and leases to deposits | 102.8590% | 489 |
| Net loans and leases to core deposits | 174.9200% | 113 |
| Total domestic deposits to total assets | 78.2741% | 6,204 |
| Equity capital to assets | 15.9582% | 688 |
| Core capital (leverage) ratio | 15.7260% | 604 |
| Tier 1 risk-based capital ratio | 18.1801% | 1,976 |
| Total risk-based capital ratio | 19.5006% | 1,907 |
| Memoranda: |
| Average total assets | $159,901,000 | 3,753 |
| Average earning assets | $149,697,500 | 3,688 |
| Average equity | $24,006,250 | 2,695 |
| Average total loans | $143,987,500 | 2,909 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 14.6257% | 18 |
| Cost of funding earning assets | 1.3980% | 3,887 |
| Net interest margin | 13.2277% | 18 |
| Noninterest income to average assets | 6.6886% | 106 |
| Noninterest expense to average assets | 9.6049% | 85 |
| Loan and lease loss provision to assets | 5.4713% | 88 |
| Net operating income to assets | 2.4814% | 141 |
| Return on assets (ROA) | 2.4814% | 146 |
| Pretax return on assets | 3.9815% | 72 |
| Return on Equity (ROE) | 16.9025% | 580 |
| Retained earnings to average equity (ytd only) | 16.9025% | 158 |
| Net charge-offs to loans | 5.2003% | 188 |
| Credit loss provision to net charge-offs | 115.1895% | 3,528 |
| Earnings coverage of net charge-offs (x) | 1.9901% | 4,034 |
| Efficiency ratio | 44.1184% | 7,519 |
| Assets per employee ($millions) | 6.6184% | 910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.7261% | 66 |
| Loan loss allowance to noncurrent loans | 329.4324% | 893 |
| Noncurrent assets plus other real estate owned to assets | 1.7968% | 3,759 |
| Noncurrent loans to loans | 2.0417% | 3,663 |
| Net loans and leases to total assets | 82.0828% | 526 |
| Net loans and leases to deposits | 102.7188% | 550 |
| Net loans and leases to core deposits | 175.3790% | 125 |
| Total domestic deposits to total assets | 79.9102% | 5,754 |
| Equity capital to assets | 15.2202% | 835 |
| Core capital (leverage) ratio | 14.6416% | 793 |
| Tier 1 risk-based capital ratio | 16.9572% | 2,294 |
| Total risk-based capital ratio | 18.2746% | 2,218 |
| Memoranda: |
| Average total assets | $157,731,330 | 3,831 |
| Average earning assets | $147,493,330 | 3,751 |
| Average equity | $23,156,330 | 2,775 |
| Average total loans | $144,069,000 | 2,938 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 15.5900% | 16 |
| Cost of funding earning assets | 1.3494% | 4,501 |
| Net interest margin | 14.2406% | 15 |
| Noninterest income to average assets | 6.4895% | 107 |
| Noninterest expense to average assets | 9.6834% | 79 |
| Loan and lease loss provision to assets | 6.2987% | 105 |
| Net operating income to assets | 2.3719% | 180 |
| Return on assets (ROA) | 2.3719% | 202 |
| Pretax return on assets | 3.8021% | 83 |
| Return on Equity (ROE) | 16.4617% | 658 |
| Retained earnings to average equity (ytd only) | 16.4617% | 311 |
| Net charge-offs to loans | 5.5399% | 206 |
| Credit loss provision to net charge-offs | 122.2222% | 2,861 |
| Earnings coverage of net charge-offs (x) | 1.9600% | 3,558 |
| Efficiency ratio | 43.2081% | 7,642 |
| Assets per employee ($millions) | 6.4325% | 1,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.6162% | 75 |
| Loan loss allowance to noncurrent loans | 371.7661% | 841 |
| Noncurrent assets plus other real estate owned to assets | 1.6174% | 4,062 |
| Noncurrent loans to loans | 1.7797% | 4,082 |
| Net loans and leases to total assets | 84.8712% | 302 |
| Net loans and leases to deposits | 106.2678% | 410 |
| Net loans and leases to core deposits | 194.8240% | 104 |
| Total domestic deposits to total assets | 79.8654% | 5,833 |
| Equity capital to assets | 14.9669% | 889 |
| Core capital (leverage) ratio | 14.6560% | 812 |
| Tier 1 risk-based capital ratio | 16.1008% | 2,615 |
| Total risk-based capital ratio | 17.4170% | 2,538 |
| Memoranda: |
| Average total assets | $157,176,000 | 3,891 |
| Average earning assets | $146,735,500 | 3,821 |
| Average equity | $22,646,500 | 2,856 |
| Average total loans | $146,211,500 | 2,962 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 14.1912% | 17 |
| Cost of funding earning assets | 1.8567% | 3,700 |
| Net interest margin | 12.3345% | 15 |
| Noninterest income to average assets | 5.5476% | 127 |
| Noninterest expense to average assets | 9.8683% | 105 |
| Loan and lease loss provision to assets | 8.3603% | 35 |
| Net operating income to assets | -0.9806% | 6,565 |
| Return on assets (ROA) | -0.9806% | 6,567 |
| Pretax return on assets | -1.5596% | 6,732 |
| Return on Equity (ROE) | -6.9860% | 6,383 |
| Retained earnings to average equity (ytd only) | -6.9860% | 6,239 |
| Net charge-offs to loans | 6.5344% | 146 |
| Credit loss provision to net charge-offs | 139.0249% | 3,522 |
| Earnings coverage of net charge-offs (x) | 1.1309% | 4,985 |
| Efficiency ratio | 49.2150% | 7,580 |
| Assets per employee ($millions) | 6.6655% | 917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.8068% | 108 |
| Loan loss allowance to noncurrent loans | 321.3168% | 991 |
| Noncurrent assets plus other real estate owned to assets | 1.7184% | 3,788 |
| Noncurrent loans to loans | 1.8072% | 3,919 |
| Net loans and leases to total assets | 89.5675% | 103 |
| Net loans and leases to deposits | 111.8115% | 321 |
| Net loans and leases to core deposits | 624.8942% | 20 |
| Total domestic deposits to total assets | 80.1058% | 5,642 |
| Equity capital to assets | 13.8694% | 1,205 |
| Core capital (leverage) ratio | 13.7303% | 1,034 |
| Tier 1 risk-based capital ratio | 14.2558% | 3,343 |
| Total risk-based capital ratio | 15.5608% | 3,264 |
| Memoranda: |
| Average total assets | $149,397,400 | 3,967 |
| Average earning assets | $134,703,000 | 3,997 |
| Average equity | $20,970,400 | 3,075 |
| Average total loans | $137,488,000 | 3,127 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 14.1184% | 18 |
| Cost of funding earning assets | 1.9621% | 3,558 |
| Net interest margin | 12.1563% | 17 |
| Noninterest income to average assets | 4.8179% | 141 |
| Noninterest expense to average assets | 10.1846% | 98 |
| Loan and lease loss provision to assets | 8.3812% | 36 |
| Net operating income to assets | -1.8134% | 7,240 |
| Return on assets (ROA) | -1.8134% | 7,239 |
| Pretax return on assets | -2.8900% | 7,471 |
| Return on Equity (ROE) | -12.8774% | 7,065 |
| Retained earnings to average equity (ytd only) | -12.8774% | 7,000 |
| Net charge-offs to loans | 6.7636% | 116 |
| Credit loss provision to net charge-offs | 135.8816% | 3,654 |
| Earnings coverage of net charge-offs (x) | 0.8903% | 5,166 |
| Efficiency ratio | 53.6050% | 7,279 |
| Assets per employee ($millions) | 6.2670% | 1,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.7601% | 91 |
| Loan loss allowance to noncurrent loans | 273.1527% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 1.9717% | 3,388 |
| Noncurrent loans to loans | 2.1087% | 3,497 |
| Net loans and leases to total assets | 88.1151% | 198 |
| Net loans and leases to deposits | 108.2447% | 546 |
| Net loans and leases to core deposits | 554.2174% | 22 |
| Total domestic deposits to total assets | 81.4036% | 4,919 |
| Equity capital to assets | 13.6408% | 1,437 |
| Core capital (leverage) ratio | 13.6903% | 1,169 |
| Tier 1 risk-based capital ratio | 14.2097% | 3,436 |
| Total risk-based capital ratio | 15.5149% | 3,349 |
| Memoranda: |
| Average total assets | $146,754,000 | 4,025 |
| Average earning assets | $131,078,750 | 4,083 |
| Average equity | $20,666,250 | 3,142 |
| Average total loans | $133,831,250 | 3,229 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 14.3992% | 17 |
| Cost of funding earning assets | 2.1488% | 3,050 |
| Net interest margin | 12.2504% | 15 |
| Noninterest income to average assets | 4.6781% | 142 |
| Noninterest expense to average assets | 10.1243% | 112 |
| Loan and lease loss provision to assets | 8.2506% | 66 |
| Net operating income to assets | -1.8086% | 7,370 |
| Return on assets (ROA) | -1.8086% | 7,363 |
| Pretax return on assets | -2.8992% | 7,546 |
| Return on Equity (ROE) | -12.7137% | 7,211 |
| Retained earnings to average equity (ytd only) | -12.7137% | 7,097 |
| Net charge-offs to loans | 6.4935% | 153 |
| Credit loss provision to net charge-offs | 140.4844% | 3,322 |
| Earnings coverage of net charge-offs (x) | 0.9112% | 4,851 |
| Efficiency ratio | 53.6637% | 7,365 |
| Assets per employee ($millions) | 6.2048% | 1,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.4601% | 99 |
| Loan loss allowance to noncurrent loans | 258.2786% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 1.9214% | 3,318 |
| Noncurrent loans to loans | 2.1140% | 3,364 |
| Net loans and leases to total assets | 85.9246% | 383 |
| Net loans and leases to deposits | 105.7989% | 776 |
| Net loans and leases to core deposits | 414.1829% | 28 |
| Total domestic deposits to total assets | 81.2151% | 4,990 |
| Equity capital to assets | 14.2352% | 1,238 |
| Core capital (leverage) ratio | 14.5214% | 1,020 |
| Tier 1 risk-based capital ratio | 14.9565% | 3,040 |
| Total risk-based capital ratio | 16.2565% | 2,956 |
| Memoranda: |
| Average total assets | $147,625,000 | 4,040 |
| Average earning assets | $130,118,670 | 4,130 |
| Average equity | $21,001,000 | 3,102 |
| Average total loans | $133,517,330 | 3,277 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 14.3965% | 17 |
| Cost of funding earning assets | 2.4890% | 1,962 |
| Net interest margin | 11.9075% | 17 |
| Noninterest income to average assets | 4.4749% | 148 |
| Noninterest expense to average assets | 10.0052% | 115 |
| Loan and lease loss provision to assets | 7.6225% | 77 |
| Net operating income to assets | -1.6098% | 7,546 |
| Return on assets (ROA) | -1.6098% | 7,546 |
| Pretax return on assets | -2.5826% | 7,677 |
| Return on Equity (ROE) | -11.3193% | 7,441 |
| Retained earnings to average equity (ytd only) | -11.3193% | 7,226 |
| Net charge-offs to loans | 5.3964% | 185 |
| Credit loss provision to net charge-offs | 156.5408% | 2,686 |
| Earnings coverage of net charge-offs (x) | 1.0350% | 4,247 |
| Efficiency ratio | 54.4553% | 7,173 |
| Assets per employee ($millions) | 6.3058% | 1,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.8897% | 116 |
| Loan loss allowance to noncurrent loans | 220.8333% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 1.9858% | 2,924 |
| Noncurrent loans to loans | 2.2142% | 2,957 |
| Net loans and leases to total assets | 85.2964% | 521 |
| Net loans and leases to deposits | 104.9805% | 944 |
| Net loans and leases to core deposits | 551.2834% | 21 |
| Total domestic deposits to total assets | 81.2498% | 4,865 |
| Equity capital to assets | 14.5119% | 1,232 |
| Core capital (leverage) ratio | 13.9541% | 1,198 |
| Tier 1 risk-based capital ratio | 15.0590% | 3,037 |
| Total risk-based capital ratio | 16.3515% | 2,954 |
| Memoranda: |
| Average total assets | $150,082,500 | 4,010 |
| Average earning assets | $133,227,000 | 4,085 |
| Average equity | $21,344,000 | 3,067 |
| Average total loans | $135,423,500 | 3,261 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 13.0381% | 28 |
| Cost of funding earning assets | 3.3191% | 871 |
| Net interest margin | 9.7190% | 29 |
| Noninterest income to average assets | 5.5793% | 114 |
| Noninterest expense to average assets | 9.9915% | 142 |
| Loan and lease loss provision to assets | 4.3659% | 139 |
| Net operating income to assets | 0.1205% | 6,054 |
| Return on assets (ROA) | 0.1205% | 5,898 |
| Pretax return on assets | 0.1948% | 5,744 |
| Return on Equity (ROE) | 0.7951% | 5,973 |
| Retained earnings to average equity (ytd only) | 0.7951% | 4,746 |
| Net charge-offs to loans | 4.4711% | 128 |
| Credit loss provision to net charge-offs | 107.0974% | 5,016 |
| Earnings coverage of net charge-offs (x) | 1.1187% | 5,565 |
| Efficiency ratio | 56.7206% | 6,906 |
| Assets per employee ($millions) | 6.7449% | 792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.7839% | 219 |
| Loan loss allowance to noncurrent loans | 219.7607% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 1.5625% | 3,110 |
| Noncurrent loans to loans | 1.7218% | 3,182 |
| Net loans and leases to total assets | 87.3140% | 434 |
| Net loans and leases to deposits | 106.8891% | 1,053 |
| Net loans and leases to core deposits | 764.1862% | 21 |
| Total domestic deposits to total assets | 81.6866% | 4,327 |
| Equity capital to assets | 13.9501% | 1,437 |
| Core capital (leverage) ratio | 14.6771% | 1,097 |
| Tier 1 risk-based capital ratio | 14.5082% | 3,290 |
| Total risk-based capital ratio | 15.7873% | 3,199 |
| Memoranda: |
| Average total assets | $142,741,400 | 4,030 |
| Average earning assets | $131,782,600 | 4,019 |
| Average equity | $21,632,000 | 3,021 |
| Average total loans | $130,146,400 | 3,270 |
