| 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 | 3.7539% | 4,227 |
| Cost of funding earning assets | 0.9458% | 3,420 |
| Net interest margin | 2.8081% | 3,646 |
| Noninterest income to average assets | 0.7000% | 1,184 |
| Noninterest expense to average assets | 2.5952% | 2,024 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.4845% | 3,697 |
| Return on assets (ROA) | 0.4852% | 3,694 |
| Pretax return on assets | 0.6416% | 3,558 |
| Return on Equity (ROE) | 8.2200% | 2,966 |
| Retained earnings to average equity (ytd only) | 6.0294% | 2,227 |
| Net charge-offs to loans | 0.0067% | 2,436 |
| Credit loss provision to net charge-offs | 2,970.9677% | 165 |
| Earnings coverage of net charge-offs (x) | 181.2258% | 625 |
| Efficiency ratio | 77.2458% | 1,136 |
| Assets per employee ($millions) | 6.5688% | 2,367 |
| Cash dividends to net income (ytd only)* | 26.6685% | 2,685 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2721% | 1,914 |
| Loan loss allowance to noncurrent loans | 671.3990% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.1266% | 2,694 |
| Noncurrent loans to loans | 0.1895% | 2,566 |
| Net loans and leases to total assets | 65.9900% | 2,258 |
| Net loans and leases to deposits | 73.9247% | 2,622 |
| Net loans and leases to core deposits | 86.9970% | 2,246 |
| Total domestic deposits to total assets | 89.2700% | 985 |
| Equity capital to assets | 6.3682% | 4,154 |
| Core capital (leverage) ratio | 8.4418% | 4,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3142% | 1,439 |
| Memoranda: |
| Average total assets | $734,886,800 | 1,262 |
| Average earning assets | $696,050,800 | 1,239 |
| Average equity | $43,370,600 | 1,776 |
| Average total loans | $462,225,400 | 1,318 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6381% | 4,274 |
| Cost of funding earning assets | 0.8335% | 3,445 |
| Net interest margin | 2.8047% | 3,718 |
| Noninterest income to average assets | 0.7100% | 1,148 |
| Noninterest expense to average assets | 2.5728% | 2,024 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 0.4975% | 3,771 |
| Return on assets (ROA) | 0.4951% | 3,777 |
| Pretax return on assets | 0.6563% | 3,631 |
| Return on Equity (ROE) | 8.5700% | 3,040 |
| Retained earnings to average equity (ytd only) | 6.3493% | 2,519 |
| Net charge-offs to loans | 0.0074% | 2,150 |
| Credit loss provision to net charge-offs | 2,616.0000% | 181 |
| Earnings coverage of net charge-offs (x) | 171.6400% | 665 |
| Efficiency ratio | 76.6043% | 1,121 |
| Assets per employee ($millions) | 6.3134% | 2,482 |
| Cash dividends to net income (ytd only)* | 25.8876% | 2,226 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2938% | 1,887 |
| Loan loss allowance to noncurrent loans | 1,505.5690% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.0554% | 3,256 |
| Noncurrent loans to loans | 0.0859% | 3,153 |
| Net loans and leases to total assets | 63.6700% | 2,480 |
| Net loans and leases to deposits | 70.5205% | 2,805 |
| Net loans and leases to core deposits | 81.0252% | 2,529 |
| Total domestic deposits to total assets | 90.2900% | 865 |
| Equity capital to assets | 5.5169% | 4,137 |
| Core capital (leverage) ratio | 8.5797% | 4,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6193% | 1,397 |
| Memoranda: |
| Average total assets | $728,113,750 | 1,267 |
| Average earning assets | $688,834,750 | 1,247 |
| Average equity | $42,082,250 | 1,798 |
| Average total loans | $450,456,500 | 1,344 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5528% | 4,297 |
| Cost of funding earning assets | 0.7135% | 3,445 |
| Net interest margin | 2.8393% | 3,755 |
| Noninterest income to average assets | 0.7100% | 1,093 |
| Noninterest expense to average assets | 2.5526% | 2,058 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.5761% | 3,638 |
| Return on assets (ROA) | 0.5761% | 3,643 |
| Pretax return on assets | 0.7621% | 3,481 |
| Return on Equity (ROE) | 9.8100% | 2,766 |
| Retained earnings to average equity (ytd only) | 7.6445% | 2,089 |
| Net charge-offs to loans | 0.0114% | 1,775 |
| Credit loss provision to net charge-offs | 1,348.0000% | 334 |
| Earnings coverage of net charge-offs (x) | 122.2000% | 835 |
| Efficiency ratio | 75.1140% | 1,247 |
| Assets per employee ($millions) | 6.5884% | 2,224 |
| Cash dividends to net income (ytd only)* | 22.1048% | 2,369 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2708% | 2,062 |
| Loan loss allowance to noncurrent loans | 1,428.8136% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.0560% | 3,216 |
| Noncurrent loans to loans | 0.0889% | 3,058 |
| Net loans and leases to total assets | 62.1300% | 2,565 |
| Net loans and leases to deposits | 70.5763% | 2,741 |
| Net loans and leases to core deposits | 80.0047% | 2,471 |
| Total domestic deposits to total assets | 88.0300% | 1,588 |
| Equity capital to assets | 5.7151% | 4,230 |
| Core capital (leverage) ratio | 8.4506% | 4,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6183% | 1,400 |
| Memoranda: |
| Average total assets | $722,489,667 | 1,266 |
| Average earning assets | $683,399,000 | 1,250 |
| Average equity | $42,409,667 | 1,802 |
| Average total loans | $440,413,667 | 1,347 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4246% | 4,352 |
| Cost of funding earning assets | 0.5768% | 3,457 |
| Net interest margin | 2.8478% | 3,871 |
| Noninterest income to average assets | 0.7300% | 1,008 |
| Noninterest expense to average assets | 2.5653% | 2,063 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | 0.5158% | 3,860 |
| Return on assets (ROA) | 0.5193% | 3,809 |
| Pretax return on assets | 0.6906% | 3,681 |
| Return on Equity (ROE) | 8.7300% | 3,125 |
| Retained earnings to average equity (ytd only) | 6.5650% | 2,625 |
| Net charge-offs to loans | 0.0056% | 1,758 |
| Credit loss provision to net charge-offs | 5,616.6667% | 87 |
| Earnings coverage of net charge-offs (x) | 254.6667% | 420 |
| Efficiency ratio | 75.0000% | 1,245 |
| Assets per employee ($millions) | 6.3529% | 2,449 |
| Cash dividends to net income (ytd only)* | 24.7845% | 1,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3451% | 1,838 |
| Loan loss allowance to noncurrent loans | 890.2256% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.0918% | 2,893 |
| Noncurrent loans to loans | 0.1511% | 2,738 |
| Net loans and leases to total assets | 59.9600% | 2,650 |
| Net loans and leases to deposits | 69.7963% | 2,631 |
| Net loans and leases to core deposits | 77.1248% | 2,448 |
| Total domestic deposits to total assets | 85.9000% | 2,623 |
| Equity capital to assets | 6.0920% | 4,171 |
| Core capital (leverage) ratio | 8.7011% | 3,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3401% | 1,304 |
| Memoranda: |
| Average total assets | $714,783,500 | 1,296 |
| Average earning assets | $676,169,000 | 1,273 |
| Average equity | $42,528,500 | 1,818 |
| Average total loans | $428,453,000 | 1,390 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9843% | 4,151 |
| Cost of funding earning assets | 0.1212% | 4,275 |
| Net interest margin | 2.8631% | 3,763 |
| Noninterest income to average assets | 0.6600% | 1,421 |
| Noninterest expense to average assets | 2.4616% | 2,232 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 0.5454% | 4,002 |
| Return on assets (ROA) | 0.5379% | 3,975 |
| Pretax return on assets | 0.7349% | 3,785 |
| Return on Equity (ROE) | 9.3100% | 3,030 |
| Retained earnings to average equity (ytd only) | 7.9715% | 1,846 |
| Net charge-offs to loans | 0.0005% | 2,582 |
| Credit loss provision to net charge-offs | 41,000.0000% | 15 |
| Earnings coverage of net charge-offs (x) | 2,892.5000% | 50 |
| Efficiency ratio | 73.9461% | 1,222 |
| Assets per employee ($millions) | 6.2471% | 2,556 |
| Cash dividends to net income (ytd only)* | 14.3813% | 3,097 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1128% | 2,834 |
| Loan loss allowance to noncurrent loans | 692.2388% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.0949% | 2,880 |
| Noncurrent loans to loans | 0.1608% | 2,689 |
| Net loans and leases to total assets | 58.3800% | 2,786 |
| Net loans and leases to deposits | 67.3370% | 2,784 |
| Net loans and leases to core deposits | 71.5719% | 2,754 |
| Total domestic deposits to total assets | 86.7000% | 2,497 |
| Equity capital to assets | 5.7795% | 4,159 |
| Core capital (leverage) ratio | 8.8822% | 3,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4224% | 1,258 |
| Memoranda: |
| Average total assets | $667,010,400 | 1,350 |
| Average earning assets | $621,108,000 | 1,351 |
| Average equity | $38,537,400 | 1,973 |
| Average total loans | $364,610,600 | 1,499 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8932% | 4,067 |
| Cost of funding earning assets | 0.0676% | 4,491 |
| Net interest margin | 2.8256% | 3,675 |
| Noninterest income to average assets | 0.6600% | 1,473 |
| Noninterest expense to average assets | 2.4679% | 2,101 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 0.4981% | 4,077 |
| Return on assets (ROA) | 0.4879% | 4,050 |
| Pretax return on assets | 0.6771% | 3,839 |
| Return on Equity (ROE) | 8.4400% | 3,190 |
| Retained earnings to average equity (ytd only) | 7.4404% | 2,219 |
| Net charge-offs to loans | 0.0008% | 2,304 |
| Credit loss provision to net charge-offs | 29,500.0000% | 20 |
| Earnings coverage of net charge-offs (x) | 1,996.0000% | 62 |
| Efficiency ratio | 75.2940% | 1,141 |
| Assets per employee ($millions) | 6.2089% | 2,566 |
| Cash dividends to net income (ytd only)* | 11.8919% | 2,781 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1452% | 2,816 |
| Loan loss allowance to noncurrent loans | 1,657.5188% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.0389% | 3,523 |
| Noncurrent loans to loans | 0.0691% | 3,380 |
| Net loans and leases to total assets | 55.7200% | 2,929 |
| Net loans and leases to deposits | 59.9675% | 3,202 |
| Net loans and leases to core deposits | 64.9152% | 3,040 |
| Total domestic deposits to total assets | 92.9200% | 602 |
| Equity capital to assets | 5.8054% | 4,032 |
| Core capital (leverage) ratio | 8.8347% | 3,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0887% | 1,158 |
| Memoranda: |
| Average total assets | $657,282,500 | 1,371 |
| Average earning assets | $609,409,250 | 1,379 |
| Average equity | $37,972,000 | 2,024 |
| Average total loans | $351,569,750 | 1,529 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8196% | 3,943 |
| Cost of funding earning assets | 0.0733% | 4,439 |
| Net interest margin | 2.7463% | 3,585 |
| Noninterest income to average assets | 0.6246% | 1,635 |
| Noninterest expense to average assets | 2.5401% | 1,811 |
| Loan and lease loss provision to assets | 0.1187% | 845 |
| Net operating income to assets | 0.3885% | 4,129 |
| Return on assets (ROA) | 0.3780% | 4,103 |
| Pretax return on assets | 0.4942% | 4,009 |
| Return on Equity (ROE) | 6.5539% | 3,436 |
| Retained earnings to average equity (ytd only) | 5.9659% | 2,346 |
| Net charge-offs to loans | 0.0012% | 2,100 |
| Credit loss provision to net charge-offs | 19,250.0000% | 27 |
| Earnings coverage of net charge-offs (x) | 1,015.5000% | 129 |
| Efficiency ratio | 80.2240% | 928 |
| Assets per employee ($millions) | 6.0977% | 2,654 |
| Cash dividends to net income (ytd only)* | 8.9723% | 2,789 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1712% | 2,842 |
| Loan loss allowance to noncurrent loans | 966.4368% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.0654% | 3,324 |
| Noncurrent loans to loans | 0.1212% | 3,124 |
| Net loans and leases to total assets | 53.3728% | 3,025 |
| Net loans and leases to deposits | 57.1948% | 3,293 |
| Net loans and leases to core deposits | 61.9771% | 3,118 |
| Total domestic deposits to total assets | 93.3175% | 430 |
| Equity capital to assets | 5.6648% | 4,314 |
| Core capital (leverage) ratio | 8.2446% | 4,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6713% | 1,268 |
| Memoranda: |
| Average total assets | $648,716,000 | 1,388 |
| Average earning assets | $600,360,667 | 1,405 |
| Average equity | $37,412,667 | 2,097 |
| Average total loans | $340,430,333 | 1,561 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7661% | 3,812 |
| Cost of funding earning assets | 0.0824% | 4,327 |
| Net interest margin | 2.6838% | 3,440 |
| Noninterest income to average assets | 0.5899% | 1,736 |
| Noninterest expense to average assets | 2.6082% | 1,577 |
| Loan and lease loss provision to assets | 0.1554% | 500 |
| Net operating income to assets | 0.2371% | 4,268 |
| Return on assets (ROA) | 0.2247% | 4,258 |
| Pretax return on assets | 0.2915% | 4,198 |
| Return on Equity (ROE) | 3.8613% | 3,916 |
| Retained earnings to average equity (ytd only) | 3.8613% | 2,987 |
| Net charge-offs to loans | 0.0024% | 1,723 |
| Credit loss provision to net charge-offs | 12,450.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 370.5000% | 270 |
| Efficiency ratio | 84.9360% | 789 |
| Assets per employee ($millions) | 6.1358% | 2,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2103% | 2,806 |
| Loan loss allowance to noncurrent loans | 2,086.1538% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.0297% | 3,745 |
| Noncurrent loans to loans | 0.0580% | 3,570 |
| Net loans and leases to total assets | 50.5742% | 3,120 |
| Net loans and leases to deposits | 53.7942% | 3,430 |
| Net loans and leases to core deposits | 58.0738% | 3,298 |
| Total domestic deposits to total assets | 94.0143% | 113 |
| Equity capital to assets | 4.9673% | 4,724 |
| Core capital (leverage) ratio | 6.9046% | 4,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9836% | 2,210 |
| Memoranda: |
| Average total assets | $640,750,000 | 1,409 |
| Average earning assets | $592,305,500 | 1,427 |
| Average equity | $37,293,500 | 2,162 |
| Average total loans | $331,173,000 | 1,583 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7762% | 4,236 |
| Cost of funding earning assets | 0.1295% | 4,160 |
| Net interest margin | 2.6466% | 3,970 |
| Noninterest income to average assets | 0.5601% | 2,321 |
| Noninterest expense to average assets | 2.5301% | 2,089 |
| Loan and lease loss provision to assets | 0.0840% | 1,460 |
| Net operating income to assets | 0.3777% | 4,309 |
| Return on assets (ROA) | 0.3895% | 4,323 |
| Pretax return on assets | 0.4973% | 4,263 |
| Return on Equity (ROE) | 5.4702% | 3,892 |
| Retained earnings to average equity (ytd only) | 5.4702% | 2,578 |
| Net charge-offs to loans | 0.0255% | 1,738 |
| Credit loss provision to net charge-offs | 648.7179% | 692 |
| Earnings coverage of net charge-offs (x) | 43.7564% | 1,383 |
| Efficiency ratio | 81.7086% | 701 |
| Assets per employee ($millions) | 6.0093% | 2,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1712% | 3,016 |
| Loan loss allowance to noncurrent loans | 1,713.4529% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.0357% | 3,772 |
| Noncurrent loans to loans | 0.0684% | 3,600 |
| Net loans and leases to total assets | 51.5900% | 3,112 |
| Net loans and leases to deposits | 55.6153% | 3,455 |
| Net loans and leases to core deposits | 60.6308% | 3,274 |
| Total domestic deposits to total assets | 92.7622% | 66 |
| Equity capital to assets | 6.7163% | 4,760 |
| Core capital (leverage) ratio | 6.7733% | 4,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7920% | 1,929 |
| Memoranda: |
| Average total assets | $602,595,200 | 1,449 |
| Average earning assets | $577,485,000 | 1,421 |
| Average equity | $42,905,400 | 1,980 |
| Average total loans | $306,234,800 | 1,681 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7708% | 4,331 |
| Cost of funding earning assets | 0.1358% | 4,222 |
| Net interest margin | 2.6350% | 4,084 |
| Noninterest income to average assets | 0.5570% | 2,386 |
| Noninterest expense to average assets | 2.5259% | 2,049 |
| Loan and lease loss provision to assets | 0.0665% | 1,669 |
| Net operating income to assets | 0.3779% | 4,407 |
| Return on assets (ROA) | 0.3955% | 4,412 |
| Pretax return on assets | 0.5181% | 4,347 |
| Return on Equity (ROE) | 5.4738% | 4,024 |
| Retained earnings to average equity (ytd only) | 5.4738% | 3,051 |
| Net charge-offs to loans | 0.0398% | 1,292 |
| Credit loss provision to net charge-offs | 331.1111% | 954 |
| Earnings coverage of net charge-offs (x) | 27.9778% | 1,561 |
| Efficiency ratio | 81.7906% | 645 |
| Assets per employee ($millions) | 6.3300% | 2,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1589% | 3,173 |
| Loan loss allowance to noncurrent loans | 1,525.8475% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.0377% | 3,904 |
| Noncurrent loans to loans | 0.0760% | 3,713 |
| Net loans and leases to total assets | 49.0078% | 3,525 |
| Net loans and leases to deposits | 52.8120% | 3,826 |
| Net loans and leases to core deposits | 57.1567% | 3,690 |
| Total domestic deposits to total assets | 92.7966% | 47 |
| Equity capital to assets | 6.9458% | 4,817 |
| Core capital (leverage) ratio | 7.0747% | 4,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9961% | 1,972 |
| Memoranda: |
| Average total assets | $597,002,000 | 1,472 |
| Average earning assets | $573,490,500 | 1,440 |
| Average equity | $43,138,000 | 2,001 |
| Average total loans | $301,233,000 | 1,734 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8017% | 4,337 |
| Cost of funding earning assets | 0.1433% | 4,260 |
| Net interest margin | 2.6584% | 4,063 |
| Noninterest income to average assets | 0.5593% | 2,375 |
| Noninterest expense to average assets | 2.5951% | 1,871 |
| Loan and lease loss provision to assets | 0.0409% | 2,188 |
| Net operating income to assets | 0.3725% | 4,434 |
| Return on assets (ROA) | 0.3716% | 4,471 |
| Pretax return on assets | 0.4817% | 4,414 |
| Return on Equity (ROE) | 5.0734% | 4,110 |
| Retained earnings to average equity (ytd only) | 5.0734% | 3,158 |
| Net charge-offs to loans | 0.0060% | 1,929 |
| Credit loss provision to net charge-offs | 1,333.3333% | 387 |
| Earnings coverage of net charge-offs (x) | 170.7778% | 547 |
| Efficiency ratio | 83.2114% | 597 |
| Assets per employee ($millions) | 6.2096% | 2,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1896% | 2,994 |
| Loan loss allowance to noncurrent loans | 1,112.3810% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.0523% | 3,891 |
| Noncurrent loans to loans | 0.1069% | 3,652 |
| Net loans and leases to total assets | 48.3213% | 3,697 |
| Net loans and leases to deposits | 52.1712% | 3,983 |
| Net loans and leases to core deposits | 56.2521% | 3,874 |
| Total domestic deposits to total assets | 92.6206% | 56 |
| Equity capital to assets | 7.1307% | 4,819 |
| Core capital (leverage) ratio | 7.1031% | 4,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4517% | 1,818 |
| Memoranda: |
| Average total assets | $587,114,000 | 1,483 |
| Average earning assets | $565,225,000 | 1,451 |
| Average equity | $43,008,333 | 1,993 |
| Average total loans | $298,072,000 | 1,756 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8164% | 4,362 |
| Cost of funding earning assets | 0.1529% | 4,284 |
| Net interest margin | 2.6635% | 4,032 |
| Noninterest income to average assets | 0.5460% | 2,419 |
| Noninterest expense to average assets | 2.6595% | 1,716 |
| Loan and lease loss provision to assets | 0.0469% | 2,138 |
| Net operating income to assets | 0.3080% | 4,506 |
| Return on assets (ROA) | 0.3058% | 4,541 |
| Pretax return on assets | 0.3983% | 4,486 |
| Return on Equity (ROE) | 4.1173% | 4,263 |
| Retained earnings to average equity (ytd only) | 4.1173% | 3,471 |
| Net charge-offs to loans | 0.0133% | 1,479 |
| Credit loss provision to net charge-offs | 680.0000% | 518 |
| Earnings coverage of net charge-offs (x) | 64.9000% | 789 |
| Efficiency ratio | 85.5842% | 527 |
| Assets per employee ($millions) | 6.1900% | 2,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1802% | 3,036 |
| Loan loss allowance to noncurrent loans | 1,106.0897% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.0525% | 4,004 |
| Noncurrent loans to loans | 0.1067% | 3,774 |
| Net loans and leases to total assets | 48.6281% | 3,748 |
| Net loans and leases to deposits | 52.4403% | 4,025 |
| Net loans and leases to core deposits | 57.3264% | 3,886 |
| Total domestic deposits to total assets | 92.7304% | 54 |
| Equity capital to assets | 7.0770% | 4,826 |
| Core capital (leverage) ratio | 7.5360% | 4,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4788% | 1,747 |
| Memoranda: |
| Average total assets | $579,506,500 | 1,493 |
| Average earning assets | $557,316,000 | 1,452 |
| Average equity | $43,037,500 | 1,982 |
| Average total loans | $299,829,500 | 1,751 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3601% | 4,250 |
| Cost of funding earning assets | 0.3014% | 4,134 |
| Net interest margin | 3.0587% | 3,732 |
| Noninterest income to average assets | 0.7210% | 1,785 |
| Noninterest expense to average assets | 2.9169% | 1,639 |
| Loan and lease loss provision to assets | 0.1445% | 2,559 |
| Net operating income to assets | 0.4896% | 4,047 |
| Return on assets (ROA) | 0.4938% | 4,126 |
| Pretax return on assets | 0.5878% | 4,101 |
| Return on Equity (ROE) | 5.8772% | 3,623 |
| Retained earnings to average equity (ytd only) | 5.8772% | 1,855 |
| Net charge-offs to loans | 0.1389% | 1,162 |
| Credit loss provision to net charge-offs | 174.6988% | 2,293 |
| Earnings coverage of net charge-offs (x) | 8.7928% | 2,572 |
| Efficiency ratio | 80.0405% | 893 |
| Assets per employee ($millions) | 5.9450% | 2,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1043% | 3,441 |
| Loan loss allowance to noncurrent loans | 1,431.6456% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.0420% | 4,138 |
| Noncurrent loans to loans | 0.0771% | 3,986 |
| Net loans and leases to total assets | 53.7999% | 3,506 |
| Net loans and leases to deposits | 58.5239% | 3,859 |
| Net loans and leases to core deposits | 64.1700% | 3,678 |
| Total domestic deposits to total assets | 91.9281% | 79 |
| Equity capital to assets | 7.7944% | 4,775 |
| Core capital (leverage) ratio | 7.9502% | 4,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2372% | 1,768 |
| Memoranda: |
| Average total assets | $501,669,600 | 1,549 |
| Average earning assets | $479,454,200 | 1,507 |
| Average equity | $42,146,200 | 1,942 |
| Average total loans | $298,849,800 | 1,687 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4973% | 4,217 |
| Cost of funding earning assets | 0.3440% | 4,089 |
| Net interest margin | 3.1533% | 3,611 |
| Noninterest income to average assets | 0.5639% | 2,331 |
| Noninterest expense to average assets | 3.0107% | 1,422 |
| Loan and lease loss provision to assets | 0.1712% | 2,283 |
| Net operating income to assets | 0.3129% | 4,426 |
| Return on assets (ROA) | 0.3186% | 4,465 |
| Pretax return on assets | 0.4023% | 4,428 |
| Return on Equity (ROE) | 3.7141% | 4,239 |
| Retained earnings to average equity (ytd only) | 3.7141% | 3,188 |
| Net charge-offs to loans | 0.1402% | 1,039 |
| Credit loss provision to net charge-offs | 200.0000% | 2,110 |
| Earnings coverage of net charge-offs (x) | 6.6154% | 2,639 |
| Efficiency ratio | 84.1669% | 591 |
| Assets per employee ($millions) | 5.2500% | 2,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1290% | 3,042 |
| Loan loss allowance to noncurrent loans | 1,128.2392% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.0597% | 4,140 |
| Noncurrent loans to loans | 0.1001% | 3,974 |
| Net loans and leases to total assets | 59.0102% | 3,321 |
| Net loans and leases to deposits | 64.7209% | 3,733 |
| Net loans and leases to core deposits | 72.8511% | 3,405 |
| Total domestic deposits to total assets | 91.1765% | 138 |
| Equity capital to assets | 8.5063% | 4,461 |
| Core capital (leverage) ratio | 7.9279% | 4,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5407% | 1,639 |
| Memoranda: |
| Average total assets | $485,893,500 | 1,569 |
| Average earning assets | $464,307,500 | 1,528 |
| Average equity | $41,677,500 | 1,943 |
| Average total loans | $296,752,000 | 1,692 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5513% | 4,350 |
| Cost of funding earning assets | 0.3888% | 4,084 |
| Net interest margin | 3.1625% | 3,759 |
| Noninterest income to average assets | 0.5648% | 2,283 |
| Noninterest expense to average assets | 2.9851% | 1,616 |
| Loan and lease loss provision to assets | 0.2059% | 1,993 |
| Net operating income to assets | 0.3213% | 4,382 |
| Return on assets (ROA) | 0.3297% | 4,418 |
| Pretax return on assets | 0.4114% | 4,395 |
| Return on Equity (ROE) | 3.8324% | 4,153 |
| Retained earnings to average equity (ytd only) | 3.8324% | 2,995 |
| Net charge-offs to loans | 0.2045% | 757 |
| Credit loss provision to net charge-offs | 163.5762% | 2,066 |
| Earnings coverage of net charge-offs (x) | 4.8212% | 2,568 |
| Efficiency ratio | 83.1051% | 692 |
| Assets per employee ($millions) | 5.0558% | 3,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0848% | 3,153 |
| Loan loss allowance to noncurrent loans | 1,605.3922% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.0400% | 4,341 |
| Noncurrent loans to loans | 0.0676% | 4,192 |
| Net loans and leases to total assets | 58.4812% | 3,470 |
| Net loans and leases to deposits | 64.1073% | 3,876 |
| Net loans and leases to core deposits | 73.6038% | 3,485 |
| Total domestic deposits to total assets | 91.2239% | 111 |
| Equity capital to assets | 8.3039% | 4,589 |
| Core capital (leverage) ratio | 7.9968% | 4,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3199% | 1,689 |
| Memoranda: |
| Average total assets | $479,856,667 | 1,558 |
| Average earning assets | $459,323,333 | 1,512 |
| Average equity | $41,279,333 | 1,948 |
| Average total loans | $295,399,333 | 1,685 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7207% | 4,350 |
| Cost of funding earning assets | 0.4535% | 4,141 |
| Net interest margin | 3.2671% | 3,672 |
| Noninterest income to average assets | 0.6459% | 1,843 |
| Noninterest expense to average assets | 3.1796% | 1,470 |
| Loan and lease loss provision to assets | 0.2394% | 1,299 |
| Net operating income to assets | 0.2778% | 4,392 |
| Return on assets (ROA) | 0.2928% | 4,386 |
| Pretax return on assets | 0.3789% | 4,331 |
| Return on Equity (ROE) | 3.3401% | 4,133 |
| Retained earnings to average equity (ytd only) | 3.3401% | 2,944 |
| Net charge-offs to loans | 0.0630% | 1,382 |
| Credit loss provision to net charge-offs | 604.3478% | 787 |
| Earnings coverage of net charge-offs (x) | 15.1304% | 1,576 |
| Efficiency ratio | 84.1386% | 820 |
| Assets per employee ($millions) | 4.6973% | 2,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1585% | 2,887 |
| Loan loss allowance to noncurrent loans | 1,175.5319% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.0589% | 4,296 |
| Noncurrent loans to loans | 0.0986% | 4,115 |
| Net loans and leases to total assets | 59.0304% | 3,592 |
| Net loans and leases to deposits | 65.1058% | 3,920 |
| Net loans and leases to core deposits | 73.4733% | 3,672 |
| Total domestic deposits to total assets | 90.6684% | 154 |
| Equity capital to assets | 8.7637% | 4,708 |
| Core capital (leverage) ratio | 8.6376% | 4,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5439% | 1,748 |
| Memoranda: |
| Average total assets | $464,466,000 | 1,551 |
| Average earning assets | $445,404,000 | 1,504 |
| Average equity | $40,717,500 | 1,960 |
| Average total loans | $292,148,000 | 1,672 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9847% | 4,293 |
| Cost of funding earning assets | 0.5366% | 3,940 |
| Net interest margin | 3.4482% | 3,596 |
| Noninterest income to average assets | 0.6999% | 1,823 |
| Noninterest expense to average assets | 3.1839% | 1,562 |
| Loan and lease loss provision to assets | 0.0427% | 3,154 |
| Net operating income to assets | 0.5720% | 4,243 |
| Return on assets (ROA) | 0.5577% | 4,327 |
| Pretax return on assets | 0.7544% | 4,070 |
| Return on Equity (ROE) | 6.1668% | 3,858 |
| Retained earnings to average equity (ytd only) | 6.1668% | 1,783 |
| Net charge-offs to loans | 0.0072% | 3,418 |
| Credit loss provision to net charge-offs | 885.0000% | 380 |
| Earnings coverage of net charge-offs (x) | 169.1000% | 451 |
| Efficiency ratio | 79.6167% | 972 |
| Assets per employee ($millions) | 4.5899% | 3,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0340% | 3,301 |
| Loan loss allowance to noncurrent loans | 5,138.3333% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.0133% | 4,598 |
| Noncurrent loans to loans | 0.0201% | 4,485 |
| Net loans and leases to total assets | 65.5990% | 3,003 |
| Net loans and leases to deposits | 72.2842% | 3,500 |
| Net loans and leases to core deposits | 82.6420% | 3,075 |
| Total domestic deposits to total assets | 90.7514% | 155 |
| Equity capital to assets | 8.7695% | 4,797 |
| Core capital (leverage) ratio | 9.0804% | 4,459 |
| Tier 1 risk-based capital ratio | 13.8456% | 3,343 |
| Total risk-based capital ratio | 14.9346% | 3,323 |
| Memoranda: |
| Average total assets | $414,901,800 | 1,692 |
| Average earning assets | $396,964,200 | 1,643 |
| Average equity | $37,523,800 | 2,028 |
| Average total loans | $279,208,400 | 1,689 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0225% | 4,312 |
| Cost of funding earning assets | 0.5392% | 3,984 |
| Net interest margin | 3.4834% | 3,615 |
| Noninterest income to average assets | 0.7067% | 1,753 |
| Noninterest expense to average assets | 3.3358% | 1,202 |
| Loan and lease loss provision to assets | 0.0407% | 3,092 |
| Net operating income to assets | 0.5104% | 4,490 |
| Return on assets (ROA) | 0.4904% | 4,586 |
| Pretax return on assets | 0.6345% | 4,481 |
| Return on Equity (ROE) | 5.3774% | 4,223 |
| Retained earnings to average equity (ytd only) | 5.3774% | 2,687 |
| Net charge-offs to loans | 0.0083% | 3,076 |
| Credit loss provision to net charge-offs | 729.4118% | 458 |
| Earnings coverage of net charge-offs (x) | 125.5077% | 626 |
| Efficiency ratio | 82.6448% | 710 |
| Assets per employee ($millions) | 4.4293% | 3,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0641% | 3,208 |
| Loan loss allowance to noncurrent loans | 8,665.7143% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 4,723 |
| Noncurrent loans to loans | 0.0123% | 4,626 |
| Net loans and leases to total assets | 66.3197% | 3,013 |
| Net loans and leases to deposits | 73.4121% | 3,527 |
| Net loans and leases to core deposits | 84.2976% | 3,068 |
| Total domestic deposits to total assets | 90.3390% | 204 |
| Equity capital to assets | 9.1535% | 4,697 |
| Core capital (leverage) ratio | 9.3590% | 4,315 |
| Tier 1 risk-based capital ratio | 13.9015% | 3,377 |
| Total risk-based capital ratio | 15.0000% | 3,358 |
| Memoranda: |
| Average total assets | $406,175,000 | 1,737 |
| Average earning assets | $388,236,250 | 1,681 |
| Average equity | $37,043,250 | 2,058 |
| Average total loans | $274,472,250 | 1,727 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0225% | 4,333 |
| Cost of funding earning assets | 0.5175% | 4,045 |
| Net interest margin | 3.5050% | 3,579 |
| Noninterest income to average assets | 0.7163% | 1,647 |
| Noninterest expense to average assets | 3.4230% | 1,066 |
| Loan and lease loss provision to assets | 0.0620% | 2,578 |
| Net operating income to assets | 0.4554% | 4,631 |
| Return on assets (ROA) | 0.4222% | 4,718 |
| Pretax return on assets | 0.5397% | 4,642 |
| Return on Equity (ROE) | 4.6352% | 4,435 |
| Retained earnings to average equity (ytd only) | 4.6352% | 2,957 |
| Net charge-offs to loans | 0.0103% | 2,762 |
| Credit loss provision to net charge-offs | 885.7143% | 384 |
| Earnings coverage of net charge-offs (x) | 91.9286% | 736 |
| Efficiency ratio | 84.1697% | 642 |
| Assets per employee ($millions) | 4.2322% | 3,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0845% | 3,151 |
| Loan loss allowance to noncurrent loans | 43,371.4286% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 4,818 |
| Noncurrent loans to loans | 0.0025% | 4,727 |
| Net loans and leases to total assets | 66.7650% | 3,009 |
| Net loans and leases to deposits | 73.8418% | 3,532 |
| Net loans and leases to core deposits | 84.5438% | 3,069 |
| Total domestic deposits to total assets | 90.4164% | 210 |
| Equity capital to assets | 9.1185% | 4,722 |
| Core capital (leverage) ratio | 9.3051% | 4,355 |
| Tier 1 risk-based capital ratio | 13.6715% | 3,498 |
| Total risk-based capital ratio | 14.7811% | 3,461 |
| Memoranda: |
| Average total assets | $399,829,000 | 1,759 |
| Average earning assets | $382,200,330 | 1,719 |
| Average equity | $36,417,000 | 2,086 |
| Average total loans | $270,952,000 | 1,748 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0435% | 4,277 |
| Cost of funding earning assets | 0.4712% | 4,199 |
| Net interest margin | 3.5722% | 3,358 |
| Noninterest income to average assets | 0.7422% | 1,455 |
| Noninterest expense to average assets | 3.6701% | 780 |
| Loan and lease loss provision to assets | 0.0255% | 3,098 |
| Net operating income to assets | 0.3572% | 4,816 |
| Return on assets (ROA) | 0.2895% | 4,919 |
| Pretax return on assets | 0.3690% | 4,877 |
| Return on Equity (ROE) | 3.1807% | 4,749 |
| Retained earnings to average equity (ytd only) | 3.1807% | 3,665 |
| Net charge-offs to loans | 0.0165% | 2,136 |
| Credit loss provision to net charge-offs | 227.2727% | 972 |
| Earnings coverage of net charge-offs (x) | 42.8182% | 1,111 |
| Efficiency ratio | 88.4304% | 459 |
| Assets per employee ($millions) | 4.0020% | 3,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0951% | 3,159 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 67.7040% | 2,798 |
| Net loans and leases to deposits | 74.9262% | 3,362 |
| Net loans and leases to core deposits | 85.0813% | 2,947 |
| Total domestic deposits to total assets | 90.3609% | 329 |
| Equity capital to assets | 9.2546% | 4,476 |
| Core capital (leverage) ratio | 9.3799% | 4,286 |
| Tier 1 risk-based capital ratio | 13.8732% | 3,406 |
| Total risk-based capital ratio | 14.9813% | 3,388 |
| Memoranda: |
| Average total assets | $392,363,500 | 1,799 |
| Average earning assets | $374,331,500 | 1,753 |
| Average equity | $35,715,500 | 2,111 |
| Average total loans | $266,453,000 | 1,775 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8732% | 4,331 |
| Cost of funding earning assets | 0.3889% | 4,052 |
| Net interest margin | 3.4843% | 3,758 |
| Noninterest income to average assets | 0.7289% | 1,738 |
| Noninterest expense to average assets | 3.3039% | 1,312 |
| Loan and lease loss provision to assets | 0.0261% | 3,651 |
| Net operating income to assets | 0.5291% | 4,596 |
| Return on assets (ROA) | 0.5201% | 4,618 |
| Pretax return on assets | 0.6800% | 4,459 |
| Return on Equity (ROE) | 6.0298% | 4,166 |
| Retained earnings to average equity (ytd only) | 6.0298% | 2,178 |
| Net charge-offs to loans | 0.0096% | 3,351 |
| Credit loss provision to net charge-offs | 412.0000% | 808 |
| Earnings coverage of net charge-offs (x) | 113.2400% | 676 |
| Efficiency ratio | 82.1579% | 791 |
| Assets per employee ($millions) | 4.0054% | 3,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1065% | 3,053 |
| Loan loss allowance to noncurrent loans | 4,876.6667% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0153% | 4,816 |
| Noncurrent loans to loans | 0.0227% | 4,680 |
| Net loans and leases to total assets | 66.6209% | 3,049 |
| Net loans and leases to deposits | 73.5650% | 3,540 |
| Net loans and leases to core deposits | 83.2222% | 3,162 |
| Total domestic deposits to total assets | 90.5605% | 308 |
| Equity capital to assets | 8.9508% | 4,616 |
| Core capital (leverage) ratio | 9.2331% | 4,415 |
| Tier 1 risk-based capital ratio | 13.8707% | 3,350 |
| Total risk-based capital ratio | 14.9837% | 3,344 |
| Memoranda: |
| Average total assets | $394,561,600 | 1,741 |
| Average earning assets | $372,845,600 | 1,710 |
| Average equity | $34,031,000 | 2,108 |
| Average total loans | $260,828,200 | 1,773 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8084% | 4,418 |
| Cost of funding earning assets | 0.3694% | 4,054 |
| Net interest margin | 3.4390% | 3,898 |
| Noninterest income to average assets | 0.7101% | 1,832 |
| Noninterest expense to average assets | 3.2888% | 1,324 |
| Loan and lease loss provision to assets | 0.0226% | 3,569 |
| Net operating income to assets | 0.4849% | 4,789 |
| Return on assets (ROA) | 0.4846% | 4,795 |
| Pretax return on assets | 0.6405% | 4,655 |
| Return on Equity (ROE) | 5.6721% | 4,370 |
| Retained earnings to average equity (ytd only) | 5.6721% | 2,842 |
| Net charge-offs to loans | 0.0031% | 3,364 |
| Credit loss provision to net charge-offs | 1,116.6667% | 378 |
| Earnings coverage of net charge-offs (x) | 327.6588% | 290 |
| Efficiency ratio | 83.2124% | 690 |
| Assets per employee ($millions) | 4.1246% | 3,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1069% | 3,148 |
| Loan loss allowance to noncurrent loans | 5,015.5172% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0146% | 4,928 |
| Noncurrent loans to loans | 0.0221% | 4,808 |
| Net loans and leases to total assets | 65.6343% | 3,223 |
| Net loans and leases to deposits | 72.5240% | 3,726 |
| Net loans and leases to core deposits | 81.5614% | 3,359 |
| Total domestic deposits to total assets | 90.5002% | 345 |
| Equity capital to assets | 8.5712% | 4,881 |
| Core capital (leverage) ratio | 9.0100% | 4,693 |
| Tier 1 risk-based capital ratio | 13.6387% | 3,554 |
| Total risk-based capital ratio | 14.7385% | 3,548 |
| Memoranda: |
| Average total assets | $395,068,750 | 1,742 |
| Average earning assets | $372,468,500 | 1,715 |
| Average equity | $33,755,000 | 2,128 |
| Average total loans | $259,926,500 | 1,784 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7218% | 4,533 |
| Cost of funding earning assets | 0.3670% | 3,962 |
| Net interest margin | 3.3548% | 4,089 |
| Noninterest income to average assets | 0.7452% | 1,668 |
| Noninterest expense to average assets | 3.2318% | 1,467 |
| Loan and lease loss provision to assets | 0.0111% | 3,632 |
| Net operating income to assets | 0.4950% | 4,760 |
| Return on assets (ROA) | 0.4950% | 4,760 |
| Pretax return on assets | 0.6561% | 4,622 |
| Return on Equity (ROE) | 5.7993% | 4,307 |
| Retained earnings to average equity (ytd only) | 5.7993% | 2,666 |
| Net charge-offs to loans | -0.0008% | 3,872 |
| Credit loss provision to net charge-offs | -2,200.0000% | 4,653 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8872% | 769 |
| Assets per employee ($millions) | 4.2202% | 3,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1233% | 3,132 |
| Loan loss allowance to noncurrent loans | 5,859.1837% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 4,980 |
| Noncurrent loans to loans | 0.0192% | 4,852 |
| Net loans and leases to total assets | 63.0358% | 3,507 |
| Net loans and leases to deposits | 69.5111% | 3,901 |
| Net loans and leases to core deposits | 78.0432% | 3,579 |
| Total domestic deposits to total assets | 90.6845% | 333 |
| Equity capital to assets | 8.4370% | 4,990 |
| Core capital (leverage) ratio | 8.9035% | 4,784 |
| Tier 1 risk-based capital ratio | 13.7316% | 3,491 |
| Total risk-based capital ratio | 14.8376% | 3,482 |
| Memoranda: |
| Average total assets | $394,770,000 | 1,753 |
| Average earning assets | $371,111,330 | 1,725 |
| Average equity | $33,693,670 | 2,134 |
| Average total loans | $258,969,330 | 1,798 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6717% | 4,535 |
| Cost of funding earning assets | 0.3739% | 3,788 |
| Net interest margin | 3.2978% | 4,198 |
| Noninterest income to average assets | 0.7792% | 1,522 |
| Noninterest expense to average assets | 3.1668% | 1,649 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5678% | 4,524 |
| Return on assets (ROA) | 0.5678% | 4,526 |
| Pretax return on assets | 0.7200% | 4,382 |
| Return on Equity (ROE) | 6.6136% | 3,942 |
| Retained earnings to average equity (ytd only) | 6.6136% | 2,450 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4766% | 1,003 |
| Assets per employee ($millions) | 4.3644% | 3,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0967% | 3,406 |
| Loan loss allowance to noncurrent loans | 5,696.0000% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.0123% | 5,064 |
| Noncurrent loans to loans | 0.0193% | 4,906 |
| Net loans and leases to total assets | 63.2775% | 3,400 |
| Net loans and leases to deposits | 69.6145% | 3,819 |
| Net loans and leases to core deposits | 78.5226% | 3,448 |
| Total domestic deposits to total assets | 90.8970% | 351 |
| Equity capital to assets | 8.2814% | 5,116 |
| Core capital (leverage) ratio | 8.9282% | 4,764 |
| Tier 1 risk-based capital ratio | 13.4607% | 3,683 |
| Total risk-based capital ratio | 14.5519% | 3,689 |
| Memoranda: |
| Average total assets | $391,693,500 | 1,776 |
| Average earning assets | $369,092,500 | 1,747 |
| Average equity | $33,627,500 | 2,154 |
| Average total loans | $260,656,000 | 1,791 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8282% | 3,949 |
| Cost of funding earning assets | 0.4393% | 2,878 |
| Net interest margin | 3.3889% | 3,885 |
| Noninterest income to average assets | 0.8093% | 1,536 |
| Noninterest expense to average assets | 3.3225% | 1,329 |
| Loan and lease loss provision to assets | -0.0013% | 5,284 |
| Net operating income to assets | 0.3634% | 4,801 |
| Return on assets (ROA) | 0.3646% | 4,816 |
| Pretax return on assets | 0.6711% | 4,578 |
| Return on Equity (ROE) | 4.0949% | 4,473 |
| Retained earnings to average equity (ytd only) | 4.0949% | 2,712 |
| Net charge-offs to loans | -0.0440% | 5,151 |
| Credit loss provision to net charge-offs | 4.4643% | 3,690 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2620% | 833 |
| Assets per employee ($millions) | 4.1033% | 3,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0886% | 3,413 |
| Loan loss allowance to noncurrent loans | 5,696.0000% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 5,095 |
| Noncurrent loans to loans | 0.0191% | 4,934 |
| Net loans and leases to total assets | 68.5513% | 2,744 |
| Net loans and leases to deposits | 76.4776% | 3,283 |
| Net loans and leases to core deposits | 87.8304% | 2,739 |
| Total domestic deposits to total assets | 89.6358% | 713 |
| Equity capital to assets | 8.9118% | 4,806 |
| Core capital (leverage) ratio | 9.1093% | 4,509 |
| Tier 1 risk-based capital ratio | 13.0686% | 3,869 |
| Total risk-based capital ratio | 14.1460% | 3,871 |
| Memoranda: |
| Average total assets | $374,896,400 | 1,808 |
| Average earning assets | $351,917,400 | 1,789 |
| Average equity | $33,383,000 | 2,157 |
| Average total loans | $254,697,000 | 1,790 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7995% | 4,017 |
| Cost of funding earning assets | 0.4464% | 2,748 |
| Net interest margin | 3.3531% | 4,001 |
| Noninterest income to average assets | 0.8479% | 1,426 |
| Noninterest expense to average assets | 3.3646% | 1,215 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4282% | 4,934 |
| Return on assets (ROA) | 0.4289% | 4,961 |
| Pretax return on assets | 0.6260% | 4,787 |
| Return on Equity (ROE) | 4.8181% | 4,598 |
| Retained earnings to average equity (ytd only) | 4.8181% | 3,010 |
| Net charge-offs to loans | -0.0648% | 5,248 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3365% | 730 |
| Assets per employee ($millions) | 4.2373% | 3,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1232% | 3,358 |
| Loan loss allowance to noncurrent loans | 3,768.4211% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.0197% | 5,153 |
| Noncurrent loans to loans | 0.0298% | 4,991 |
| Net loans and leases to total assets | 65.3850% | 3,194 |
| Net loans and leases to deposits | 74.5065% | 3,517 |
| Net loans and leases to core deposits | 86.0759% | 2,957 |
| Total domestic deposits to total assets | 87.7575% | 1,494 |
| Equity capital to assets | 8.8392% | 5,042 |
| Core capital (leverage) ratio | 8.9630% | 4,781 |
| Tier 1 risk-based capital ratio | 13.1403% | 3,913 |
| Total risk-based capital ratio | 14.2369% | 3,925 |
| Memoranda: |
| Average total assets | $374,245,500 | 1,825 |
| Average earning assets | $350,635,000 | 1,812 |
| Average equity | $33,318,250 | 2,176 |
| Average total loans | $252,964,000 | 1,809 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7712% | 3,999 |
| Cost of funding earning assets | 0.4547% | 2,558 |
| Net interest margin | 3.3164% | 4,058 |
| Noninterest income to average assets | 0.8978% | 1,277 |
| Noninterest expense to average assets | 3.2592% | 1,447 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5021% | 4,702 |
| Return on assets (ROA) | 0.5021% | 4,738 |
| Pretax return on assets | 0.7412% | 4,449 |
| Return on Equity (ROE) | 5.6256% | 4,213 |
| Retained earnings to average equity (ytd only) | 5.6256% | 2,334 |
| Net charge-offs to loans | -0.0182% | 4,749 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4710% | 1,054 |
| Assets per employee ($millions) | 4.1949% | 3,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0955% | 3,609 |
| Loan loss allowance to noncurrent loans | 3,498.7342% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0202% | 5,199 |
| Noncurrent loans to loans | 0.0313% | 5,033 |
| Net loans and leases to total assets | 63.9658% | 3,389 |
| Net loans and leases to deposits | 71.1706% | 3,812 |
| Net loans and leases to core deposits | 82.6855% | 3,196 |
| Total domestic deposits to total assets | 89.8767% | 577 |
| Equity capital to assets | 8.6933% | 5,148 |
| Core capital (leverage) ratio | 8.9982% | 4,730 |
| Tier 1 risk-based capital ratio | 12.8103% | 4,113 |
| Total risk-based capital ratio | 13.8506% | 4,148 |
| Memoranda: |
| Average total assets | $370,464,000 | 1,847 |
| Average earning assets | $346,575,670 | 1,831 |
| Average equity | $33,063,330 | 2,184 |
| Average total loans | $252,291,330 | 1,811 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7958% | 3,776 |
| Cost of funding earning assets | 0.4606% | 2,425 |
| Net interest margin | 3.3351% | 3,904 |
| Noninterest income to average assets | 1.1036% | 816 |
| Noninterest expense to average assets | 3.3452% | 1,298 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5823% | 4,229 |
| Return on assets (ROA) | 0.5823% | 4,275 |
| Pretax return on assets | 0.8663% | 3,881 |
| Return on Equity (ROE) | 6.4343% | 3,701 |
| Retained earnings to average equity (ytd only) | 6.4343% | 2,117 |
| Net charge-offs to loans | -0.0190% | 4,716 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4311% | 1,437 |
| Assets per employee ($millions) | 4.0557% | 3,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0759% | 3,850 |
| Loan loss allowance to noncurrent loans | 3,357.3171% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.0222% | 5,246 |
| Noncurrent loans to loans | 0.0320% | 5,079 |
| Net loans and leases to total assets | 68.5872% | 2,592 |
| Net loans and leases to deposits | 76.6230% | 3,121 |
| Net loans and leases to core deposits | 89.7251% | 2,373 |
| Total domestic deposits to total assets | 89.5126% | 892 |
| Equity capital to assets | 8.9532% | 4,858 |
| Core capital (leverage) ratio | 9.3536% | 4,275 |
| Tier 1 risk-based capital ratio | 12.8162% | 4,193 |
| Total risk-based capital ratio | 13.8667% | 4,223 |
| Memoranda: |
| Average total assets | $360,631,500 | 1,891 |
| Average earning assets | $336,057,000 | 1,883 |
| Average equity | $32,637,500 | 2,208 |
| Average total loans | $252,280,500 | 1,824 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0932% | 2,879 |
| Cost of funding earning assets | 0.4462% | 2,568 |
| Net interest margin | 3.6470% | 2,900 |
| Noninterest income to average assets | 0.5839% | 2,744 |
| Noninterest expense to average assets | 3.5917% | 1,028 |
| Loan and lease loss provision to assets | 0.0075% | 4,209 |
| Net operating income to assets | 0.2828% | 5,254 |
| Return on assets (ROA) | 0.3819% | 5,084 |
| Pretax return on assets | 0.5441% | 4,936 |
| Return on Equity (ROE) | 3.9356% | 4,857 |
| Retained earnings to average equity (ytd only) | 3.9356% | 3,122 |
| Net charge-offs to loans | -0.0130% | 5,007 |
| Credit loss provision to net charge-offs | -78.1250% | 4,860 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7528% | 573 |
| Assets per employee ($millions) | 4.0022% | 3,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1023% | 3,700 |
| Loan loss allowance to noncurrent loans | 3,224.7059% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0241% | 5,291 |
| Noncurrent loans to loans | 0.0342% | 5,126 |
| Net loans and leases to total assets | 69.8288% | 2,507 |
| Net loans and leases to deposits | 78.7409% | 3,016 |
| Net loans and leases to core deposits | 91.2240% | 2,372 |
| Total domestic deposits to total assets | 88.6817% | 1,279 |
| Equity capital to assets | 9.1516% | 4,646 |
| Core capital (leverage) ratio | 9.6648% | 3,895 |
| Tier 1 risk-based capital ratio | 12.9846% | 4,091 |
| Total risk-based capital ratio | 14.0636% | 4,088 |
| Memoranda: |
| Average total assets | $333,605,800 | 1,984 |
| Average earning assets | $312,642,600 | 1,962 |
| Average equity | $32,371,200 | 2,210 |
| Average total loans | $246,614,400 | 1,810 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1287% | 2,769 |
| Cost of funding earning assets | 0.4468% | 2,582 |
| Net interest margin | 3.6819% | 2,787 |
| Noninterest income to average assets | 0.5755% | 2,788 |
| Noninterest expense to average assets | 3.6956% | 851 |
| Loan and lease loss provision to assets | 0.0101% | 4,037 |
| Net operating income to assets | 0.2296% | 5,419 |
| Return on assets (ROA) | 0.3636% | 5,219 |
| Pretax return on assets | 0.5184% | 5,082 |
| Return on Equity (ROE) | 3.6906% | 5,028 |
| Retained earnings to average equity (ytd only) | 3.6906% | 3,678 |
| Net charge-offs to loans | -0.0125% | 4,851 |
| Credit loss provision to net charge-offs | -108.6957% | 4,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6382% | 487 |
| Assets per employee ($millions) | 3.8161% | 4,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0833% | 3,926 |
| Loan loss allowance to noncurrent loans | 3,105.6818% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.0259% | 5,399 |
| Noncurrent loans to loans | 0.0349% | 5,236 |
| Net loans and leases to total assets | 73.4778% | 1,952 |
| Net loans and leases to deposits | 83.4915% | 2,543 |
| Net loans and leases to core deposits | 96.4888% | 1,944 |
| Total domestic deposits to total assets | 88.0063% | 1,403 |
| Equity capital to assets | 9.7121% | 4,454 |
| Core capital (leverage) ratio | 9.6295% | 4,023 |
| Tier 1 risk-based capital ratio | 12.6250% | 4,390 |
| Total risk-based capital ratio | 13.6811% | 4,416 |
| Memoranda: |
| Average total assets | $328,959,750 | 2,014 |
| Average earning assets | $308,890,250 | 1,985 |
| Average equity | $32,406,250 | 2,220 |
| Average total loans | $246,100,250 | 1,819 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1727% | 2,593 |
| Cost of funding earning assets | 0.4445% | 2,623 |
| Net interest margin | 3.7283% | 2,585 |
| Noninterest income to average assets | 0.5667% | 2,814 |
| Noninterest expense to average assets | 3.7228% | 850 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2369% | 5,456 |
| Return on assets (ROA) | 0.3639% | 5,232 |
| Pretax return on assets | 0.5206% | 5,094 |
| Return on Equity (ROE) | 3.6755% | 5,023 |
| Retained earnings to average equity (ytd only) | 3.6755% | 3,549 |
| Net charge-offs to loans | -0.0123% | 4,766 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6478% | 514 |
| Assets per employee ($millions) | 3.9928% | 3,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1008% | 3,940 |
| Loan loss allowance to noncurrent loans | 2,965.9341% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.0271% | 5,484 |
| Noncurrent loans to loans | 0.0371% | 5,318 |
| Net loans and leases to total assets | 72.3008% | 2,120 |
| Net loans and leases to deposits | 82.2003% | 2,682 |
| Net loans and leases to core deposits | 95.0397% | 2,060 |
| Total domestic deposits to total assets | 87.9568% | 1,457 |
| Equity capital to assets | 9.7480% | 4,513 |
| Core capital (leverage) ratio | 9.8047% | 3,805 |
| Tier 1 risk-based capital ratio | 12.6650% | 4,408 |
| Total risk-based capital ratio | 13.7333% | 4,444 |
| Memoranda: |
| Average total assets | $325,403,330 | 2,040 |
| Average earning assets | $305,074,670 | 2,016 |
| Average equity | $32,213,330 | 2,235 |
| Average total loans | $244,038,670 | 1,835 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2579% | 2,277 |
| Cost of funding earning assets | 0.4462% | 2,625 |
| Net interest margin | 3.8117% | 2,252 |
| Noninterest income to average assets | 0.5406% | 2,864 |
| Noninterest expense to average assets | 3.6853% | 914 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2849% | 5,343 |
| Return on assets (ROA) | 0.3895% | 5,102 |
| Pretax return on assets | 0.5843% | 4,864 |
| Return on Equity (ROE) | 3.9033% | 4,920 |
| Retained earnings to average equity (ytd only) | 3.9033% | 3,541 |
| Net charge-offs to loans | -0.0131% | 4,651 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5903% | 701 |
| Assets per employee ($millions) | 3.7860% | 4,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1015% | 4,035 |
| Loan loss allowance to noncurrent loans | 2,833.6842% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.0295% | 5,524 |
| Noncurrent loans to loans | 0.0389% | 5,338 |
| Net loans and leases to total assets | 75.1089% | 1,534 |
| Net loans and leases to deposits | 85.6248% | 2,107 |
| Net loans and leases to core deposits | 99.3461% | 1,534 |
| Total domestic deposits to total assets | 87.7187% | 1,797 |
| Equity capital to assets | 10.0198% | 4,052 |
| Core capital (leverage) ratio | 9.9397% | 3,611 |
| Tier 1 risk-based capital ratio | 12.5610% | 4,541 |
| Total risk-based capital ratio | 13.6312% | 4,563 |
| Memoranda: |
| Average total assets | $320,409,000 | 2,083 |
| Average earning assets | $300,334,500 | 2,058 |
| Average equity | $31,973,000 | 2,248 |
| Average total loans | $243,463,000 | 1,841 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4076% | 1,875 |
| Cost of funding earning assets | 0.4189% | 2,955 |
| Net interest margin | 3.9888% | 1,751 |
| Noninterest income to average assets | 0.7355% | 2,039 |
| Noninterest expense to average assets | 3.5781% | 1,173 |
| Loan and lease loss provision to assets | -0.0077% | 5,616 |
| Net operating income to assets | 0.6085% | 4,229 |
| Return on assets (ROA) | 0.6911% | 3,967 |
| Pretax return on assets | 1.0420% | 3,301 |
| Return on Equity (ROE) | 6.7273% | 3,670 |
| Retained earnings to average equity (ytd only) | 6.7273% | 1,419 |
| Net charge-offs to loans | -0.0160% | 5,221 |
| Credit loss provision to net charge-offs | 65.7143% | 3,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7396% | 1,711 |
| Assets per employee ($millions) | 3.8434% | 4,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1067% | 4,013 |
| Loan loss allowance to noncurrent loans | 2,795.8333% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.0301% | 5,570 |
| Noncurrent loans to loans | 0.0396% | 5,362 |
| Net loans and leases to total assets | 75.1837% | 1,537 |
| Net loans and leases to deposits | 86.3131% | 2,091 |
| Net loans and leases to core deposits | 100.0597% | 1,491 |
| Total domestic deposits to total assets | 87.1058% | 2,073 |
| Equity capital to assets | 9.9375% | 4,036 |
| Core capital (leverage) ratio | 10.1561% | 3,312 |
| Tier 1 risk-based capital ratio | 12.5349% | 4,607 |
| Total risk-based capital ratio | 13.6094% | 4,619 |
| Memoranda: |
| Average total assets | $299,519,200 | 2,148 |
| Average earning assets | $281,714,800 | 2,125 |
| Average equity | $30,770,200 | 2,264 |
| Average total loans | $219,036,200 | 1,931 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4384% | 1,788 |
| Cost of funding earning assets | 0.4126% | 3,090 |
| Net interest margin | 4.0258% | 1,620 |
| Noninterest income to average assets | 0.7711% | 1,927 |
| Noninterest expense to average assets | 3.5544% | 1,191 |
| Loan and lease loss provision to assets | -0.0362% | 5,885 |
| Net operating income to assets | 0.5884% | 4,439 |
| Return on assets (ROA) | 0.6168% | 4,410 |
| Pretax return on assets | 1.0856% | 3,287 |
| Return on Equity (ROE) | 5.9510% | 4,176 |
| Retained earnings to average equity (ytd only) | 5.9510% | 2,279 |
| Net charge-offs to loans | -0.0163% | 5,134 |
| Credit loss provision to net charge-offs | 307.6923% | 943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9575% | 1,951 |
| Assets per employee ($millions) | 3.8265% | 4,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1649% | 3,844 |
| Loan loss allowance to noncurrent loans | 245.8216% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.3394% | 4,418 |
| Noncurrent loans to loans | 0.4739% | 3,942 |
| Net loans and leases to total assets | 70.7890% | 2,264 |
| Net loans and leases to deposits | 80.9017% | 2,775 |
| Net loans and leases to core deposits | 92.8171% | 2,187 |
| Total domestic deposits to total assets | 87.5000% | 1,804 |
| Equity capital to assets | 9.9962% | 4,155 |
| Core capital (leverage) ratio | 10.1089% | 3,490 |
| Tier 1 risk-based capital ratio | 13.2876% | 4,263 |
| Total risk-based capital ratio | 14.5040% | 4,205 |
| Memoranda: |
| Average total assets | $294,648,000 | 2,197 |
| Average earning assets | $277,273,000 | 2,168 |
| Average equity | $30,537,500 | 2,295 |
| Average total loans | $213,164,500 | 1,977 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4283% | 1,756 |
| Cost of funding earning assets | 0.4124% | 3,131 |
| Net interest margin | 4.0159% | 1,595 |
| Noninterest income to average assets | 0.7819% | 1,858 |
| Noninterest expense to average assets | 3.6174% | 1,095 |
| Loan and lease loss provision to assets | -0.0555% | 6,039 |
| Net operating income to assets | 0.5776% | 4,435 |
| Return on assets (ROA) | 0.6251% | 4,348 |
| Pretax return on assets | 1.0913% | 3,211 |
| Return on Equity (ROE) | 5.9547% | 4,150 |
| Retained earnings to average equity (ytd only) | 5.9547% | 2,270 |
| Net charge-offs to loans | -0.0191% | 5,161 |
| Credit loss provision to net charge-offs | 400.0000% | 742 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0000% | 1,914 |
| Assets per employee ($millions) | 3.7117% | 4,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2070% | 3,749 |
| Loan loss allowance to noncurrent loans | 2,560.7843% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.0352% | 5,725 |
| Noncurrent loans to loans | 0.0471% | 5,561 |
| Net loans and leases to total assets | 73.8430% | 1,687 |
| Net loans and leases to deposits | 85.0554% | 2,178 |
| Net loans and leases to core deposits | 96.1013% | 1,789 |
| Total domestic deposits to total assets | 86.8175% | 2,259 |
| Equity capital to assets | 10.6019% | 3,317 |
| Core capital (leverage) ratio | 10.4548% | 3,020 |
| Tier 1 risk-based capital ratio | 13.6388% | 4,141 |
| Total risk-based capital ratio | 14.8908% | 4,066 |
| Memoranda: |
| Average total assets | $288,274,330 | 2,249 |
| Average earning assets | $272,564,670 | 2,216 |
| Average equity | $30,261,670 | 2,321 |
| Average total loans | $209,308,670 | 2,016 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0914% | 2,872 |
| Cost of funding earning assets | 0.4166% | 3,118 |
| Net interest margin | 3.6748% | 2,717 |
| Noninterest income to average assets | 0.7412% | 1,955 |
| Noninterest expense to average assets | 3.6238% | 1,110 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3718% | 5,178 |
| Return on assets (ROA) | 0.4074% | 5,155 |
| Pretax return on assets | 0.6563% | 4,737 |
| Return on Equity (ROE) | 3.9008% | 5,022 |
| Retained earnings to average equity (ytd only) | 3.9008% | 3,663 |
| Net charge-offs to loans | -0.0233% | 5,112 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7801% | 1,201 |
| Assets per employee ($millions) | 3.7886% | 4,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3207% | 3,300 |
| Loan loss allowance to noncurrent loans | 144.9244% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 0.6267% | 3,609 |
| Noncurrent loans to loans | 0.9113% | 2,961 |
| Net loans and leases to total assets | 67.8617% | 2,463 |
| Net loans and leases to deposits | 77.6460% | 2,855 |
| Net loans and leases to core deposits | 86.4958% | 2,499 |
| Total domestic deposits to total assets | 87.3987% | 2,167 |
| Equity capital to assets | 10.2900% | 3,787 |
| Core capital (leverage) ratio | 10.2536% | 3,276 |
| Tier 1 risk-based capital ratio | 14.2731% | 3,840 |
| Total risk-based capital ratio | 15.5542% | 3,748 |
| Memoranda: |
| Average total assets | $287,655,000 | 2,266 |
| Average earning assets | $272,669,000 | 2,230 |
| Average equity | $30,045,500 | 2,349 |
| Average total loans | $205,764,500 | 2,044 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1324% | 3,194 |
| Cost of funding earning assets | 0.4893% | 2,779 |
| Net interest margin | 3.6432% | 3,244 |
| Noninterest income to average assets | 0.5681% | 3,066 |
| Noninterest expense to average assets | 3.4511% | 1,595 |
| Loan and lease loss provision to assets | 0.0368% | 3,844 |
| Net operating income to assets | 0.3370% | 5,419 |
| Return on assets (ROA) | 0.3998% | 5,292 |
| Pretax return on assets | 0.6326% | 4,829 |
| Return on Equity (ROE) | 3.8278% | 5,191 |
| Retained earnings to average equity (ytd only) | 3.8278% | 3,492 |
| Net charge-offs to loans | -0.0170% | 5,668 |
| Credit loss provision to net charge-offs | -309.0909% | 5,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7962% | 1,191 |
| Assets per employee ($millions) | 3.7307% | 4,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2827% | 3,525 |
| Loan loss allowance to noncurrent loans | 140.8540% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 0.6780% | 3,545 |
| Noncurrent loans to loans | 0.9107% | 3,039 |
| Net loans and leases to total assets | 73.4936% | 1,668 |
| Net loans and leases to deposits | 84.7193% | 2,135 |
| Net loans and leases to core deposits | 94.8427% | 1,833 |
| Total domestic deposits to total assets | 86.7495% | 2,419 |
| Equity capital to assets | 10.6086% | 3,350 |
| Core capital (leverage) ratio | 10.4090% | 3,050 |
| Tier 1 risk-based capital ratio | 13.9898% | 4,103 |
| Total risk-based capital ratio | 15.2404% | 4,029 |
| Memoranda: |
| Average total assets | $277,419,000 | 2,301 |
| Average earning assets | $263,040,600 | 2,252 |
| Average equity | $28,972,600 | 2,348 |
| Average total loans | $193,827,800 | 2,082 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1215% | 3,290 |
| Cost of funding earning assets | 0.5014% | 2,740 |
| Net interest margin | 3.6201% | 3,347 |
| Noninterest income to average assets | 0.5616% | 3,127 |
| Noninterest expense to average assets | 3.5367% | 1,399 |
| Loan and lease loss provision to assets | 0.0039% | 4,333 |
| Net operating income to assets | 0.2656% | 5,694 |
| Return on assets (ROA) | 0.3044% | 5,641 |
| Pretax return on assets | 0.5033% | 5,316 |
| Return on Equity (ROE) | 2.9264% | 5,560 |
| Retained earnings to average equity (ytd only) | 2.9264% | 4,514 |
| Net charge-offs to loans | -0.0182% | 5,589 |
| Credit loss provision to net charge-offs | -30.7692% | 5,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7908% | 937 |
| Assets per employee ($millions) | 3.7809% | 4,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3116% | 3,590 |
| Loan loss allowance to noncurrent loans | 132.3893% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 0.6849% | 3,776 |
| Noncurrent loans to loans | 0.9907% | 3,094 |
| Net loans and leases to total assets | 68.2223% | 2,494 |
| Net loans and leases to deposits | 78.3199% | 2,913 |
| Net loans and leases to core deposits | 87.1697% | 2,520 |
| Total domestic deposits to total assets | 87.1073% | 2,258 |
| Equity capital to assets | 10.2915% | 3,801 |
| Core capital (leverage) ratio | 10.2058% | 3,406 |
| Tier 1 risk-based capital ratio | 14.5411% | 3,862 |
| Total risk-based capital ratio | 15.7922% | 3,803 |
| Memoranda: |
| Average total assets | $276,823,750 | 2,316 |
| Average earning assets | $261,644,750 | 2,277 |
| Average equity | $28,795,000 | 2,368 |
| Average total loans | $190,208,000 | 2,126 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1047% | 3,321 |
| Cost of funding earning assets | 0.5131% | 2,693 |
| Net interest margin | 3.5916% | 3,393 |
| Noninterest income to average assets | 0.5638% | 3,023 |
| Noninterest expense to average assets | 3.5116% | 1,456 |
| Loan and lease loss provision to assets | 0.0765% | 2,744 |
| Net operating income to assets | 0.2148% | 5,790 |
| Return on assets (ROA) | 0.2586% | 5,767 |
| Pretax return on assets | 0.4298% | 5,482 |
| Return on Equity (ROE) | 2.4768% | 5,703 |
| Retained earnings to average equity (ytd only) | 2.4768% | 4,630 |
| Net charge-offs to loans | -0.0191% | 5,532 |
| Credit loss provision to net charge-offs | -583.3333% | 5,607 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9155% | 1,000 |
| Assets per employee ($millions) | 3.7018% | 4,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3351% | 3,664 |
| Loan loss allowance to noncurrent loans | 133.8028% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 0.7160% | 3,837 |
| Noncurrent loans to loans | 0.9978% | 3,240 |
| Net loans and leases to total assets | 70.8012% | 1,950 |
| Net loans and leases to deposits | 81.3634% | 2,338 |
| Net loans and leases to core deposits | 89.8080% | 2,142 |
| Total domestic deposits to total assets | 87.0186% | 2,443 |
| Equity capital to assets | 10.4454% | 3,506 |
| Core capital (leverage) ratio | 10.3265% | 3,173 |
| Tier 1 risk-based capital ratio | 14.2858% | 4,070 |
| Total risk-based capital ratio | 15.5367% | 4,006 |
| Memoranda: |
| Average total assets | $274,577,000 | 2,336 |
| Average earning assets | $258,828,330 | 2,293 |
| Average equity | $28,665,670 | 2,368 |
| Average total loans | $188,269,000 | 2,147 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0566% | 3,443 |
| Cost of funding earning assets | 0.5168% | 2,746 |
| Net interest margin | 3.5398% | 3,526 |
| Noninterest income to average assets | 0.6548% | 2,434 |
| Noninterest expense to average assets | 3.5481% | 1,401 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2669% | 5,606 |
| Return on assets (ROA) | 0.3194% | 5,477 |
| Pretax return on assets | 0.5098% | 5,140 |
| Return on Equity (ROE) | 3.0598% | 5,438 |
| Retained earnings to average equity (ytd only) | 3.0598% | 4,278 |
| Net charge-offs to loans | -0.0197% | 5,345 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2410% | 1,097 |
| Assets per employee ($millions) | 3.6935% | 4,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3676% | 3,753 |
| Loan loss allowance to noncurrent loans | 125.3570% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 0.7332% | 3,925 |
| Noncurrent loans to loans | 1.0910% | 3,235 |
| Net loans and leases to total assets | 66.2837% | 2,518 |
| Net loans and leases to deposits | 76.0859% | 2,802 |
| Net loans and leases to core deposits | 84.2847% | 2,484 |
| Total domestic deposits to total assets | 87.1169% | 2,738 |
| Equity capital to assets | 10.3576% | 3,388 |
| Core capital (leverage) ratio | 10.3807% | 3,078 |
| Tier 1 risk-based capital ratio | 14.8293% | 3,794 |
| Total risk-based capital ratio | 16.0802% | 3,752 |
| Memoranda: |
| Average total assets | $273,048,000 | 2,358 |
| Average earning assets | $256,174,500 | 2,312 |
| Average equity | $28,498,500 | 2,369 |
| Average total loans | $182,789,000 | 2,202 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1645% | 3,480 |
| Cost of funding earning assets | 0.6346% | 2,340 |
| Net interest margin | 3.5299% | 3,764 |
| Noninterest income to average assets | 0.5259% | 3,584 |
| Noninterest expense to average assets | 3.5919% | 1,464 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5790% | 4,362 |
| Return on assets (ROA) | 0.6255% | 4,248 |
| Pretax return on assets | 0.3230% | 5,665 |
| Return on Equity (ROE) | 6.0862% | 4,041 |
| Retained earnings to average equity (ytd only) | 6.0862% | 1,917 |
| Net charge-offs to loans | -0.0385% | 6,278 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8523% | 819 |
| Assets per employee ($millions) | 3.5878% | 4,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4140% | 3,585 |
| Loan loss allowance to noncurrent loans | 47.9131% | 5,335 |
| Noncurrent assets plus other real estate owned to assets | 1.9678% | 1,825 |
| Noncurrent loans to loans | 2.9512% | 1,171 |
| Net loans and leases to total assets | 65.7346% | 2,734 |
| Net loans and leases to deposits | 75.6602% | 3,004 |
| Net loans and leases to core deposits | 84.5175% | 2,620 |
| Total domestic deposits to total assets | 86.8813% | 2,790 |
| Equity capital to assets | 10.5191% | 3,130 |
| Core capital (leverage) ratio | 10.3296% | 3,117 |
| Tier 1 risk-based capital ratio | 15.3446% | 3,455 |
| Total risk-based capital ratio | 16.5965% | 3,406 |
| Memoranda: |
| Average total assets | $269,074,200 | 2,354 |
| Average earning assets | $254,797,200 | 2,288 |
| Average equity | $27,652,600 | 2,407 |
| Average total loans | $176,600,600 | 2,232 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1578% | 3,535 |
| Cost of funding earning assets | 0.6573% | 2,303 |
| Net interest margin | 3.5004% | 3,880 |
| Noninterest income to average assets | 0.5282% | 3,605 |
| Noninterest expense to average assets | 3.4196% | 1,775 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3032% | 5,607 |
| Return on assets (ROA) | 0.3285% | 5,629 |
| Pretax return on assets | 0.4638% | 5,464 |
| Return on Equity (ROE) | 3.2157% | 5,523 |
| Retained earnings to average equity (ytd only) | 3.2157% | 4,386 |
| Net charge-offs to loans | -0.0364% | 6,213 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8731% | 1,093 |
| Assets per employee ($millions) | 3.6982% | 4,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4025% | 3,887 |
| Loan loss allowance to noncurrent loans | 28.5763% | 6,031 |
| Noncurrent assets plus other real estate owned to assets | 3.2185% | 1,107 |
| Noncurrent loans to loans | 4.9079% | 622 |
| Net loans and leases to total assets | 64.6585% | 2,889 |
| Net loans and leases to deposits | 74.1427% | 3,212 |
| Net loans and leases to core deposits | 83.2063% | 2,740 |
| Total domestic deposits to total assets | 87.2082% | 2,564 |
| Equity capital to assets | 10.0454% | 3,838 |
| Core capital (leverage) ratio | 10.0867% | 3,546 |
| Tier 1 risk-based capital ratio | 14.6842% | 3,962 |
| Total risk-based capital ratio | 15.9352% | 3,918 |
| Memoranda: |
| Average total assets | $269,072,250 | 2,375 |
| Average earning assets | $255,162,750 | 2,295 |
| Average equity | $27,489,500 | 2,441 |
| Average total loans | $175,896,500 | 2,249 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1995% | 3,370 |
| Cost of funding earning assets | 0.6761% | 2,253 |
| Net interest margin | 3.5234% | 3,688 |
| Noninterest income to average assets | 0.3947% | 4,565 |
| Noninterest expense to average assets | 3.4313% | 1,757 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2353% | 5,808 |
| Return on assets (ROA) | 0.2751% | 5,829 |
| Pretax return on assets | 0.3715% | 5,703 |
| Return on Equity (ROE) | 2.6774% | 5,728 |
| Retained earnings to average equity (ytd only) | 2.6774% | 4,606 |
| Net charge-offs to loans | -0.0424% | 6,209 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5254% | 931 |
| Assets per employee ($millions) | 3.6117% | 4,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4093% | 3,990 |
| Loan loss allowance to noncurrent loans | 45.4068% | 5,402 |
| Noncurrent assets plus other real estate owned to assets | 2.0650% | 2,096 |
| Noncurrent loans to loans | 3.1038% | 1,424 |
| Net loans and leases to total assets | 65.5946% | 2,663 |
| Net loans and leases to deposits | 75.3069% | 2,970 |
| Net loans and leases to core deposits | 84.1712% | 2,538 |
| Total domestic deposits to total assets | 87.1030% | 2,755 |
| Equity capital to assets | 10.2124% | 3,649 |
| Core capital (leverage) ratio | 10.1829% | 3,259 |
| Tier 1 risk-based capital ratio | 14.9140% | 3,835 |
| Total risk-based capital ratio | 16.1655% | 3,800 |
| Memoranda: |
| Average total assets | $267,540,670 | 2,394 |
| Average earning assets | $254,698,670 | 2,310 |
| Average equity | $27,489,000 | 2,453 |
| Average total loans | $174,706,670 | 2,257 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2126% | 3,255 |
| Cost of funding earning assets | 0.6848% | 2,347 |
| Net interest margin | 3.5278% | 3,584 |
| Noninterest income to average assets | 0.3960% | 4,491 |
| Noninterest expense to average assets | 3.5505% | 1,521 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2002% | 5,894 |
| Return on assets (ROA) | 0.2002% | 6,001 |
| Pretax return on assets | 0.2481% | 5,964 |
| Return on Equity (ROE) | 1.9430% | 5,956 |
| Retained earnings to average equity (ytd only) | 1.9430% | 5,032 |
| Net charge-offs to loans | -0.0485% | 6,119 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4697% | 876 |
| Assets per employee ($millions) | 3.6577% | 4,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4576% | 3,985 |
| Loan loss allowance to noncurrent loans | 33.9422% | 5,875 |
| Noncurrent assets plus other real estate owned to assets | 2.7474% | 1,654 |
| Noncurrent loans to loans | 4.2945% | 1,002 |
| Net loans and leases to total assets | 63.0431% | 2,879 |
| Net loans and leases to deposits | 72.6031% | 3,106 |
| Net loans and leases to core deposits | 81.0561% | 2,687 |
| Total domestic deposits to total assets | 86.8325% | 3,057 |
| Equity capital to assets | 10.4058% | 3,659 |
| Core capital (leverage) ratio | 10.0526% | 3,314 |
| Tier 1 risk-based capital ratio | 14.9996% | 3,833 |
| Total risk-based capital ratio | 16.2511% | 3,795 |
| Memoranda: |
| Average total assets | $267,679,500 | 2,416 |
| Average earning assets | $258,177,000 | 2,301 |
| Average equity | $27,586,500 | 2,478 |
| Average total loans | $173,152,000 | 2,293 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3880% | 3,859 |
| Cost of funding earning assets | 0.8790% | 2,075 |
| Net interest margin | 3.5090% | 4,464 |
| Noninterest income to average assets | 0.5635% | 3,491 |
| Noninterest expense to average assets | 3.4357% | 1,977 |
| Loan and lease loss provision to assets | 0.0971% | 4,438 |
| Net operating income to assets | 0.3811% | 5,177 |
| Return on assets (ROA) | 0.5283% | 4,835 |
| Pretax return on assets | 0.5404% | 5,163 |
| Return on Equity (ROE) | 5.4851% | 4,434 |
| Retained earnings to average equity (ytd only) | 5.4851% | 2,389 |
| Net charge-offs to loans | 0.1762% | 3,966 |
| Credit loss provision to net charge-offs | 85.4839% | 3,654 |
| Earnings coverage of net charge-offs (x) | 4.2903% | 3,418 |
| Efficiency ratio | 87.5794% | 1,276 |
| Assets per employee ($millions) | 3.5779% | 4,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4070% | 4,139 |
| Loan loss allowance to noncurrent loans | 33.1632% | 5,931 |
| Noncurrent assets plus other real estate owned to assets | 2.7744% | 1,733 |
| Noncurrent loans to loans | 4.2426% | 1,056 |
| Net loans and leases to total assets | 64.4733% | 2,816 |
| Net loans and leases to deposits | 72.2297% | 3,376 |
| Net loans and leases to core deposits | 83.4118% | 2,620 |
| Total domestic deposits to total assets | 89.2616% | 1,399 |
| Equity capital to assets | 10.2063% | 3,878 |
| Core capital (leverage) ratio | 9.8484% | 3,609 |
| Tier 1 risk-based capital ratio | 14.5308% | 4,010 |
| Total risk-based capital ratio | 15.7820% | 3,965 |
| Memoranda: |
| Average total assets | $272,954,200 | 2,320 |
| Average earning assets | $261,327,800 | 2,221 |
| Average equity | $26,289,400 | 2,542 |
| Average total loans | $175,924,000 | 2,251 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3551% | 4,225 |
| Cost of funding earning assets | 0.9060% | 2,132 |
| Net interest margin | 3.4491% | 4,847 |
| Noninterest income to average assets | 0.4670% | 4,166 |
| Noninterest expense to average assets | 3.4949% | 1,774 |
| Loan and lease loss provision to assets | 0.1289% | 3,943 |
| Net operating income to assets | 0.1358% | 6,057 |
| Return on assets (ROA) | 0.3298% | 5,714 |
| Pretax return on assets | 0.3371% | 5,879 |
| Return on Equity (ROE) | 3.4749% | 5,502 |
| Retained earnings to average equity (ytd only) | 3.4749% | 4,420 |
| Net charge-offs to loans | 0.2113% | 3,464 |
| Credit loss provision to net charge-offs | 94.9821% | 3,145 |
| Earnings coverage of net charge-offs (x) | 1.9749% | 4,276 |
| Efficiency ratio | 92.8775% | 838 |
| Assets per employee ($millions) | 3.7050% | 4,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3739% | 4,482 |
| Loan loss allowance to noncurrent loans | 22.3994% | 6,431 |
| Noncurrent assets plus other real estate owned to assets | 4.0165% | 1,201 |
| Noncurrent loans to loans | 6.1337% | 653 |
| Net loans and leases to total assets | 64.5834% | 2,913 |
| Net loans and leases to deposits | 71.8746% | 3,627 |
| Net loans and leases to core deposits | 83.6396% | 2,737 |
| Total domestic deposits to total assets | 89.8556% | 923 |
| Equity capital to assets | 9.6251% | 5,027 |
| Core capital (leverage) ratio | 9.3581% | 4,492 |
| Tier 1 risk-based capital ratio | 13.5376% | 4,861 |
| Total risk-based capital ratio | 14.7886% | 4,817 |
| Memoranda: |
| Average total assets | $274,106,500 | 2,331 |
| Average earning assets | $261,938,750 | 2,238 |
| Average equity | $26,014,750 | 2,590 |
| Average total loans | $176,035,000 | 2,282 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3104% | 4,527 |
| Cost of funding earning assets | 0.9307% | 2,178 |
| Net interest margin | 3.3797% | 5,167 |
| Noninterest income to average assets | 0.4831% | 4,035 |
| Noninterest expense to average assets | 3.5543% | 1,671 |
| Loan and lease loss provision to assets | 0.1942% | 3,148 |
| Net operating income to assets | -0.0177% | 6,344 |
| Return on assets (ROA) | 0.2609% | 5,924 |
| Pretax return on assets | 0.2719% | 6,022 |
| Return on Equity (ROE) | 2.7628% | 5,780 |
| Retained earnings to average equity (ytd only) | 2.7628% | 4,781 |
| Net charge-offs to loans | 0.1873% | 3,456 |
| Credit loss provision to net charge-offs | 162.5767% | 1,712 |
| Earnings coverage of net charge-offs (x) | 1.4724% | 4,263 |
| Efficiency ratio | 95.2839% | 734 |
| Assets per employee ($millions) | 3.7578% | 4,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4354% | 4,312 |
| Loan loss allowance to noncurrent loans | 22.2885% | 6,453 |
| Noncurrent assets plus other real estate owned to assets | 4.2786% | 1,164 |
| Noncurrent loans to loans | 6.4401% | 652 |
| Net loans and leases to total assets | 65.4839% | 2,775 |
| Net loans and leases to deposits | 72.7098% | 3,498 |
| Net loans and leases to core deposits | 84.0110% | 2,686 |
| Total domestic deposits to total assets | 90.0619% | 889 |
| Equity capital to assets | 9.4879% | 5,085 |
| Core capital (leverage) ratio | 9.2506% | 4,526 |
| Tier 1 risk-based capital ratio | 13.7926% | 4,600 |
| Total risk-based capital ratio | 15.0448% | 4,572 |
| Memoranda: |
| Average total assets | $272,849,330 | 2,350 |
| Average earning assets | $262,156,670 | 2,243 |
| Average equity | $25,771,000 | 2,600 |
| Average total loans | $174,059,000 | 2,308 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4001% | 4,336 |
| Cost of funding earning assets | 0.9568% | 2,260 |
| Net interest margin | 3.4433% | 4,938 |
| Noninterest income to average assets | 0.3969% | 4,699 |
| Noninterest expense to average assets | 3.6352% | 1,491 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0838% | 6,270 |
| Return on assets (ROA) | 0.4204% | 5,355 |
| Pretax return on assets | 0.4204% | 5,668 |
| Return on Equity (ROE) | 4.4613% | 5,061 |
| Retained earnings to average equity (ytd only) | 4.4613% | 3,913 |
| Net charge-offs to loans | -0.0306% | 6,345 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7470% | 648 |
| Assets per employee ($millions) | 3.6995% | 4,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4838% | 4,244 |
| Loan loss allowance to noncurrent loans | 32.8737% | 6,031 |
| Noncurrent assets plus other real estate owned to assets | 2.8464% | 2,052 |
| Noncurrent loans to loans | 4.5136% | 1,293 |
| Net loans and leases to total assets | 62.1258% | 3,234 |
| Net loans and leases to deposits | 69.0294% | 3,869 |
| Net loans and leases to core deposits | 80.2265% | 3,047 |
| Total domestic deposits to total assets | 89.9991% | 1,087 |
| Equity capital to assets | 9.6092% | 4,637 |
| Core capital (leverage) ratio | 9.3686% | 4,240 |
| Tier 1 risk-based capital ratio | 14.4354% | 4,162 |
| Total risk-based capital ratio | 15.6886% | 4,120 |
| Memoranda: |
| Average total assets | $272,115,000 | 2,368 |
| Average earning assets | $262,542,000 | 2,255 |
| Average equity | $25,643,000 | 2,605 |
| Average total loans | $169,963,500 | 2,364 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6272% | 4,559 |
| Cost of funding earning assets | 1.1670% | 2,236 |
| Net interest margin | 3.4602% | 5,285 |
| Noninterest income to average assets | 0.3944% | 4,660 |
| Noninterest expense to average assets | 3.9648% | 1,096 |
| Loan and lease loss provision to assets | 0.2178% | 4,015 |
| Net operating income to assets | -0.4687% | 6,463 |
| Return on assets (ROA) | 0.3215% | 5,334 |
| Pretax return on assets | 0.3271% | 5,483 |
| Return on Equity (ROE) | 3.3918% | 5,123 |
| Retained earnings to average equity (ytd only) | 3.3918% | 3,807 |
| Net charge-offs to loans | 0.1343% | 5,072 |
| Credit loss provision to net charge-offs | 263.0137% | 913 |
| Earnings coverage of net charge-offs (x) | -3.1553% | 6,329 |
| Efficiency ratio | 107.0561% | 495 |
| Assets per employee ($millions) | 3.7557% | 4,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4821% | 4,102 |
| Loan loss allowance to noncurrent loans | 32.3012% | 6,059 |
| Noncurrent assets plus other real estate owned to assets | 2.8782% | 2,094 |
| Noncurrent loans to loans | 4.5885% | 1,298 |
| Net loans and leases to total assets | 60.9509% | 3,801 |
| Net loans and leases to deposits | 67.4024% | 4,525 |
| Net loans and leases to core deposits | 76.6116% | 3,886 |
| Total domestic deposits to total assets | 90.4284% | 754 |
| Equity capital to assets | 9.2408% | 5,228 |
| Core capital (leverage) ratio | 8.8559% | 5,013 |
| Tier 1 risk-based capital ratio | 13.9459% | 4,362 |
| Total risk-based capital ratio | 15.1982% | 4,318 |
| Memoranda: |
| Average total assets | $264,425,200 | 2,386 |
| Average earning assets | $252,872,400 | 2,284 |
| Average equity | $25,060,600 | 2,574 |
| Average total loans | $163,020,400 | 2,457 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7201% | 4,358 |
| Cost of funding earning assets | 1.2193% | 2,199 |
| Net interest margin | 3.5008% | 5,183 |
| Noninterest income to average assets | 0.4046% | 4,634 |
| Noninterest expense to average assets | 3.9451% | 1,080 |
| Loan and lease loss provision to assets | 0.2310% | 3,706 |
| Net operating income to assets | -0.4255% | 6,598 |
| Return on assets (ROA) | 0.4987% | 4,739 |
| Pretax return on assets | 0.4987% | 5,165 |
| Return on Equity (ROE) | 5.2282% | 4,435 |
| Retained earnings to average equity (ytd only) | 5.2282% | 3,041 |
| Net charge-offs to loans | 0.0834% | 5,142 |
| Credit loss provision to net charge-offs | 449.5050% | 620 |
| Earnings coverage of net charge-offs (x) | -3.7823% | 6,079 |
| Efficiency ratio | 105.1832% | 522 |
| Assets per employee ($millions) | 3.8912% | 4,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4667% | 4,262 |
| Loan loss allowance to noncurrent loans | 31.0913% | 6,195 |
| Noncurrent assets plus other real estate owned to assets | 3.1966% | 1,998 |
| Noncurrent loans to loans | 4.7174% | 1,363 |
| Net loans and leases to total assets | 61.9060% | 3,749 |
| Net loans and leases to deposits | 68.5374% | 4,518 |
| Net loans and leases to core deposits | 77.1372% | 4,028 |
| Total domestic deposits to total assets | 90.3243% | 709 |
| Equity capital to assets | 9.4345% | 5,192 |
| Core capital (leverage) ratio | 9.0468% | 4,853 |
| Tier 1 risk-based capital ratio | 13.8304% | 4,475 |
| Total risk-based capital ratio | 15.0826% | 4,442 |
| Memoranda: |
| Average total assets | $261,990,250 | 2,425 |
| Average earning assets | $250,412,750 | 2,313 |
| Average equity | $24,992,000 | 2,571 |
| Average total loans | $161,370,500 | 2,490 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7403% | 4,347 |
| Cost of funding earning assets | 1.2602% | 2,185 |
| Net interest margin | 3.4802% | 5,246 |
| Noninterest income to average assets | 0.4170% | 4,539 |
| Noninterest expense to average assets | 4.1334% | 886 |
| Loan and lease loss provision to assets | 0.2553% | 3,359 |
| Net operating income to assets | -0.6367% | 6,782 |
| Return on assets (ROA) | 0.2739% | 5,594 |
| Pretax return on assets | 0.2739% | 5,731 |
| Return on Equity (ROE) | 2.8598% | 5,455 |
| Retained earnings to average equity (ytd only) | 2.8598% | 4,464 |
| Net charge-offs to loans | -0.1606% | 7,265 |
| Credit loss provision to net charge-offs | -259.8425% | 6,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.1649% | 472 |
| Assets per employee ($millions) | 3.5545% | 4,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5771% | 3,797 |
| Loan loss allowance to noncurrent loans | 27.1359% | 6,421 |
| Noncurrent assets plus other real estate owned to assets | 3.8176% | 1,697 |
| Noncurrent loans to loans | 5.8119% | 1,048 |
| Net loans and leases to total assets | 63.7432% | 3,520 |
| Net loans and leases to deposits | 70.8876% | 4,309 |
| Net loans and leases to core deposits | 80.9882% | 3,659 |
| Total domestic deposits to total assets | 89.9215% | 1,013 |
| Equity capital to assets | 9.8272% | 4,360 |
| Core capital (leverage) ratio | 9.4897% | 3,974 |
| Tier 1 risk-based capital ratio | 14.5261% | 3,769 |
| Total risk-based capital ratio | 15.7798% | 3,743 |
| Memoranda: |
| Average total assets | $258,525,670 | 2,469 |
| Average earning assets | $247,746,000 | 2,350 |
| Average equity | $24,756,670 | 2,585 |
| Average total loans | $158,116,670 | 2,567 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7432% | 4,321 |
| Cost of funding earning assets | 1.2965% | 2,198 |
| Net interest margin | 3.4467% | 5,240 |
| Noninterest income to average assets | 0.4295% | 4,456 |
| Noninterest expense to average assets | 4.6154% | 528 |
| Loan and lease loss provision to assets | 0.2494% | 3,166 |
| Net operating income to assets | -1.1408% | 7,083 |
| Return on assets (ROA) | 0.1555% | 5,981 |
| Pretax return on assets | 0.1555% | 6,040 |
| Return on Equity (ROE) | 1.6450% | 5,930 |
| Retained earnings to average equity (ytd only) | 1.6450% | 5,129 |
| Net charge-offs to loans | -0.4588% | 7,398 |
| Credit loss provision to net charge-offs | -91.5254% | 5,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.9355% | 308 |
| Assets per employee ($millions) | 3.6610% | 4,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5628% | 3,903 |
| Loan loss allowance to noncurrent loans | 27.7920% | 6,419 |
| Noncurrent assets plus other real estate owned to assets | 3.4552% | 1,972 |
| Noncurrent loans to loans | 5.6231% | 1,160 |
| Net loans and leases to total assets | 60.4859% | 4,176 |
| Net loans and leases to deposits | 67.0735% | 4,817 |
| Net loans and leases to core deposits | 77.8295% | 4,045 |
| Total domestic deposits to total assets | 90.1785% | 1,038 |
| Equity capital to assets | 9.4060% | 4,565 |
| Core capital (leverage) ratio | 9.3105% | 4,112 |
| Tier 1 risk-based capital ratio | 14.5494% | 3,705 |
| Total risk-based capital ratio | 15.8026% | 3,670 |
| Memoranda: |
| Average total assets | $259,827,500 | 2,473 |
| Average earning assets | $248,356,000 | 2,365 |
| Average equity | $24,560,000 | 2,590 |
| Average total loans | $154,301,500 | 2,637 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6952% | 5,819 |
| Cost of funding earning assets | 1.5335% | 2,455 |
| Net interest margin | 3.1617% | 6,360 |
| Noninterest income to average assets | 0.4352% | 4,635 |
| Noninterest expense to average assets | 4.0775% | 1,053 |
| Loan and lease loss provision to assets | 0.0557% | 6,585 |
| Net operating income to assets | -0.6957% | 6,513 |
| Return on assets (ROA) | 0.0403% | 5,869 |
| Pretax return on assets | 0.0403% | 5,815 |
| Return on Equity (ROE) | 0.4159% | 5,847 |
| Retained earnings to average equity (ytd only) | 0.4159% | 5,369 |
| Net charge-offs to loans | 0.1813% | 5,225 |
| Credit loss provision to net charge-offs | 62.2318% | 6,049 |
| Earnings coverage of net charge-offs (x) | -7.1502% | 6,787 |
| Efficiency ratio | 118.6166% | 419 |
| Assets per employee ($millions) | 3.7104% | 4,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4488% | 4,288 |
| Loan loss allowance to noncurrent loans | 40.2200% | 5,619 |
| Noncurrent assets plus other real estate owned to assets | 2.0649% | 3,268 |
| Noncurrent loans to loans | 3.6021% | 2,080 |
| Net loans and leases to total assets | 56.4940% | 5,259 |
| Net loans and leases to deposits | 62.8831% | 5,757 |
| Net loans and leases to core deposits | 73.4574% | 5,047 |
| Total domestic deposits to total assets | 89.8396% | 1,192 |
| Equity capital to assets | 9.4989% | 4,407 |
| Core capital (leverage) ratio | 9.1792% | 4,211 |
| Tier 1 risk-based capital ratio | 15.0881% | 3,196 |
| Total risk-based capital ratio | 16.3397% | 3,142 |
| Memoranda: |
| Average total assets | $260,329,200 | 2,450 |
| Average earning assets | $247,212,400 | 2,361 |
| Average equity | $25,244,200 | 2,526 |
| Average total loans | $128,483,200 | 3,151 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5849% | 6,378 |
| Cost of funding earning assets | 1.5751% | 2,531 |
| Net interest margin | 3.0098% | 6,813 |
| Noninterest income to average assets | 0.4284% | 4,734 |
| Noninterest expense to average assets | 3.9598% | 1,101 |
| Loan and lease loss provision to assets | 0.0742% | 6,314 |
| Net operating income to assets | -0.7407% | 6,757 |
| Return on assets (ROA) | -0.0369% | 6,189 |
| Pretax return on assets | -0.0369% | 6,148 |
| Return on Equity (ROE) | -0.3781% | 6,194 |
| Retained earnings to average equity (ytd only) | -0.3781% | 5,879 |
| Net charge-offs to loans | 0.2334% | 4,542 |
| Credit loss provision to net charge-offs | 67.1296% | 5,505 |
| Earnings coverage of net charge-offs (x) | -6.0278% | 6,601 |
| Efficiency ratio | 120.2362% | 394 |
| Assets per employee ($millions) | 3.7623% | 4,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5851% | 3,594 |
| Loan loss allowance to noncurrent loans | 38.7937% | 5,723 |
| Noncurrent assets plus other real estate owned to assets | 2.0979% | 3,342 |
| Noncurrent loans to loans | 4.0861% | 1,817 |
| Net loans and leases to total assets | 50.5290% | 6,267 |
| Net loans and leases to deposits | 56.6439% | 6,573 |
| Net loans and leases to core deposits | 66.4113% | 6,090 |
| Total domestic deposits to total assets | 89.2046% | 1,284 |
| Equity capital to assets | 9.5697% | 4,741 |
| Core capital (leverage) ratio | 9.2044% | 4,363 |
| Tier 1 risk-based capital ratio | 15.3275% | 3,087 |
| Total risk-based capital ratio | 16.5794% | 3,049 |
| Memoranda: |
| Average total assets | $260,480,250 | 2,482 |
| Average earning assets | $247,937,500 | 2,395 |
| Average equity | $25,387,500 | 2,554 |
| Average total loans | $123,382,500 | 3,297 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6048% | 6,447 |
| Cost of funding earning assets | 1.6405% | 2,431 |
| Net interest margin | 2.9643% | 6,913 |
| Noninterest income to average assets | 0.4097% | 4,828 |
| Noninterest expense to average assets | 3.6675% | 1,630 |
| Loan and lease loss provision to assets | 0.1123% | 5,783 |
| Net operating income to assets | -0.5436% | 6,689 |
| Return on assets (ROA) | 0.0023% | 6,185 |
| Pretax return on assets | 0.0023% | 6,151 |
| Return on Equity (ROE) | 0.0237% | 6,187 |
| Retained earnings to average equity (ytd only) | 0.0237% | 5,726 |
| Net charge-offs to loans | 0.3502% | 3,602 |
| Credit loss provision to net charge-offs | 69.7115% | 4,973 |
| Earnings coverage of net charge-offs (x) | -2.6779% | 6,245 |
| Efficiency ratio | 113.3285% | 499 |
| Assets per employee ($millions) | 3.7106% | 4,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6709% | 3,180 |
| Loan loss allowance to noncurrent loans | 45.7155% | 5,253 |
| Noncurrent assets plus other real estate owned to assets | 2.7144% | 2,659 |
| Noncurrent loans to loans | 3.6550% | 2,153 |
| Net loans and leases to total assets | 50.8899% | 6,322 |
| Net loans and leases to deposits | 57.3932% | 6,625 |
| Net loans and leases to core deposits | 67.3932% | 6,104 |
| Total domestic deposits to total assets | 88.6689% | 1,628 |
| Equity capital to assets | 10.1433% | 3,841 |
| Core capital (leverage) ratio | 9.3212% | 4,079 |
| Tier 1 risk-based capital ratio | 16.5764% | 2,444 |
| Total risk-based capital ratio | 17.8299% | 2,397 |
| Memoranda: |
| Average total assets | $258,265,670 | 2,527 |
| Average earning assets | $246,265,330 | 2,429 |
| Average equity | $25,329,000 | 2,556 |
| Average total loans | $118,793,670 | 3,424 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4515% | 6,893 |
| Cost of funding earning assets | 1.6973% | 2,404 |
| Net interest margin | 2.7542% | 7,243 |
| Noninterest income to average assets | 0.4042% | 4,887 |
| Noninterest expense to average assets | 3.5049% | 1,971 |
| Loan and lease loss provision to assets | 0.0735% | 5,903 |
| Net operating income to assets | -0.5328% | 6,850 |
| Return on assets (ROA) | -0.0965% | 6,503 |
| Pretax return on assets | -0.0965% | 6,463 |
| Return on Equity (ROE) | -1.0001% | 6,528 |
| Retained earnings to average equity (ytd only) | -1.0001% | 6,049 |
| Net charge-offs to loans | 0.7476% | 2,012 |
| Credit loss provision to net charge-offs | 22.7488% | 4,917 |
| Earnings coverage of net charge-offs (x) | -1.4218% | 5,425 |
| Efficiency ratio | 115.0830% | 513 |
| Assets per employee ($millions) | 3.6241% | 4,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8419% | 2,605 |
| Loan loss allowance to noncurrent loans | 34.2491% | 6,104 |
| Noncurrent assets plus other real estate owned to assets | 2.6765% | 2,724 |
| Noncurrent loans to loans | 5.3780% | 1,315 |
| Net loans and leases to total assets | 43.1202% | 7,053 |
| Net loans and leases to deposits | 48.4820% | 7,208 |
| Net loans and leases to core deposits | 57.9661% | 6,884 |
| Total domestic deposits to total assets | 88.9406% | 1,546 |
| Equity capital to assets | 9.9121% | 3,971 |
| Core capital (leverage) ratio | 9.3496% | 3,972 |
| Tier 1 risk-based capital ratio | 18.5060% | 1,831 |
| Total risk-based capital ratio | 19.7606% | 1,799 |
| Memoranda: |
| Average total assets | $261,237,000 | 2,553 |
| Average earning assets | $250,522,000 | 2,445 |
| Average equity | $25,196,500 | 2,593 |
| Average total loans | $112,896,000 | 3,626 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6108% | 7,272 |
| Cost of funding earning assets | 2.2403% | 1,867 |
| Net interest margin | 2.3705% | 7,530 |
| Noninterest income to average assets | 0.3713% | 5,434 |
| Noninterest expense to average assets | 3.6186% | 2,102 |
| Loan and lease loss provision to assets | 0.5290% | 3,728 |
| Net operating income to assets | -1.1595% | 6,689 |
| Return on assets (ROA) | -0.8051% | 6,440 |
| Pretax return on assets | -1.0445% | 6,441 |
| Return on Equity (ROE) | -8.3424% | 6,498 |
| Retained earnings to average equity (ytd only) | -8.3424% | 6,381 |
| Net charge-offs to loans | 0.8192% | 2,779 |
| Credit loss provision to net charge-offs | 186.0372% | 2,183 |
| Earnings coverage of net charge-offs (x) | -3.4309% | 7,072 |
| Efficiency ratio | 136.9152% | 409 |
| Assets per employee ($millions) | 3.7347% | 4,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9910% | 2,051 |
| Loan loss allowance to noncurrent loans | 33.8663% | 6,179 |
| Noncurrent assets plus other real estate owned to assets | 2.7074% | 2,582 |
| Noncurrent loans to loans | 5.8790% | 1,064 |
| Net loans and leases to total assets | 41.6770% | 7,264 |
| Net loans and leases to deposits | 46.5134% | 7,418 |
| Net loans and leases to core deposits | 86.6387% | 5,458 |
| Total domestic deposits to total assets | 89.6022% | 1,156 |
| Equity capital to assets | 9.3859% | 4,582 |
| Core capital (leverage) ratio | 8.8993% | 4,586 |
| Tier 1 risk-based capital ratio | 17.5780% | 2,003 |
| Total risk-based capital ratio | 18.8334% | 1,963 |
| Memoranda: |
| Average total assets | $264,440,800 | 2,474 |
| Average earning assets | $253,404,800 | 2,376 |
| Average equity | $25,520,200 | 2,561 |
| Average total loans | $91,793,200 | 4,163 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4764% | 7,534 |
| Cost of funding earning assets | 2.3381% | 1,848 |
| Net interest margin | 2.1382% | 7,741 |
| Noninterest income to average assets | 0.3784% | 5,486 |
| Noninterest expense to average assets | 3.6493% | 1,923 |
| Loan and lease loss provision to assets | 0.3234% | 4,399 |
| Net operating income to assets | -1.5439% | 7,135 |
| Return on assets (ROA) | -1.1615% | 6,943 |
| Pretax return on assets | -1.1615% | 6,795 |
| Return on Equity (ROE) | -11.9528% | 7,017 |
| Retained earnings to average equity (ytd only) | -11.9528% | 6,941 |
| Net charge-offs to loans | 0.8827% | 2,200 |
| Credit loss provision to net charge-offs | 111.8674% | 4,538 |
| Earnings coverage of net charge-offs (x) | -4.2216% | 6,835 |
| Efficiency ratio | 150.2493% | 318 |
| Assets per employee ($millions) | 3.8529% | 4,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7262% | 2,530 |
| Loan loss allowance to noncurrent loans | 20.2086% | 7,079 |
| Noncurrent assets plus other real estate owned to assets | 3.2147% | 2,107 |
| Noncurrent loans to loans | 8.5420% | 541 |
| Net loans and leases to total assets | 34.6710% | 7,668 |
| Net loans and leases to deposits | 40.2990% | 7,722 |
| Net loans and leases to core deposits | 76.1685% | 6,601 |
| Total domestic deposits to total assets | 86.0344% | 2,696 |
| Equity capital to assets | 9.1827% | 5,194 |
| Core capital (leverage) ratio | 8.5628% | 5,369 |
| Tier 1 risk-based capital ratio | 19.0240% | 1,742 |
| Total risk-based capital ratio | 20.2755% | 1,702 |
| Memoranda: |
| Average total assets | $264,260,250 | 2,488 |
| Average earning assets | $253,413,750 | 2,396 |
| Average equity | $25,678,250 | 2,574 |
| Average total loans | $86,552,250 | 4,351 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4827% | 7,634 |
| Cost of funding earning assets | 2.4482% | 1,783 |
| Net interest margin | 2.0345% | 7,843 |
| Noninterest income to average assets | 0.3791% | 5,474 |
| Noninterest expense to average assets | 3.7494% | 1,744 |
| Loan and lease loss provision to assets | 0.3056% | 4,119 |
| Net operating income to assets | -1.7177% | 7,333 |
| Return on assets (ROA) | -1.1564% | 7,094 |
| Pretax return on assets | -1.1564% | 6,909 |
| Return on Equity (ROE) | -11.6763% | 7,153 |
| Retained earnings to average equity (ytd only) | -11.6763% | 7,029 |
| Net charge-offs to loans | 1.3552% | 1,379 |
| Credit loss provision to net charge-offs | 70.7447% | 5,402 |
| Earnings coverage of net charge-offs (x) | -3.2695% | 6,414 |
| Efficiency ratio | 160.4194% | 324 |
| Assets per employee ($millions) | 3.8034% | 4,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6478% | 2,534 |
| Loan loss allowance to noncurrent loans | 18.6686% | 7,203 |
| Noncurrent assets plus other real estate owned to assets | 2.8629% | 2,239 |
| Noncurrent loans to loans | 8.8265% | 458 |
| Net loans and leases to total assets | 31.6738% | 7,852 |
| Net loans and leases to deposits | 37.1749% | 7,884 |
| Net loans and leases to core deposits | 71.8448% | 6,910 |
| Total domestic deposits to total assets | 85.2022% | 3,162 |
| Equity capital to assets | 8.9468% | 5,388 |
| Core capital (leverage) ratio | 8.5167% | 5,420 |
| Tier 1 risk-based capital ratio | 20.0253% | 1,579 |
| Total risk-based capital ratio | 21.2758% | 1,538 |
| Memoranda: |
| Average total assets | $261,161,330 | 2,527 |
| Average earning assets | $251,365,330 | 2,428 |
| Average equity | $25,864,330 | 2,567 |
| Average total loans | $83,232,670 | 4,490 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6152% | 7,606 |
| Cost of funding earning assets | 2.4893% | 1,960 |
| Net interest margin | 2.1259% | 7,837 |
| Noninterest income to average assets | 0.3942% | 5,260 |
| Noninterest expense to average assets | 3.7722% | 1,523 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -1.3088% | 7,417 |
| Return on assets (ROA) | -1.1966% | 7,378 |
| Pretax return on assets | -1.1966% | 7,256 |
| Return on Equity (ROE) | -11.4985% | 7,448 |
| Retained earnings to average equity (ytd only) | -11.4985% | 7,237 |
| Net charge-offs to loans | -0.0246% | 7,494 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 153.1309% | 338 |
| Assets per employee ($millions) | 3.8159% | 4,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9952% | 1,431 |
| Loan loss allowance to noncurrent loans | 19.6832% | 7,185 |
| Noncurrent assets plus other real estate owned to assets | 3.1101% | 1,814 |
| Noncurrent loans to loans | 10.1368% | 278 |
| Net loans and leases to total assets | 29.0625% | 7,934 |
| Net loans and leases to deposits | 36.7432% | 7,925 |
| Net loans and leases to core deposits | 71.1075% | 6,957 |
| Total domestic deposits to total assets | 79.0965% | 5,684 |
| Equity capital to assets | 9.5738% | 4,565 |
| Core capital (leverage) ratio | 9.9214% | 3,496 |
| Tier 1 risk-based capital ratio | 21.9277% | 1,306 |
| Total risk-based capital ratio | 23.1812% | 1,279 |
| Memoranda: |
| Average total assets | $256,722,000 | 2,573 |
| Average earning assets | $249,867,500 | 2,448 |
| Average equity | $26,716,500 | 2,511 |
| Average total loans | $81,366,500 | 4,575 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6294% | 6,990 |
| Cost of funding earning assets | 3.0644% | 1,624 |
| Net interest margin | 2.5651% | 7,681 |
| Noninterest income to average assets | 0.3211% | 6,156 |
| Noninterest expense to average assets | 4.2520% | 1,097 |
| Loan and lease loss provision to assets | 0.1120% | 5,936 |
| Net operating income to assets | -1.5125% | 7,469 |
| Return on assets (ROA) | -1.8049% | 7,515 |
| Pretax return on assets | -1.8780% | 7,400 |
| Return on Equity (ROE) | -14.9014% | 7,583 |
| Retained earnings to average equity (ytd only) | -14.9014% | 7,451 |
| Net charge-offs to loans | 0.3354% | 3,156 |
| Credit loss provision to net charge-offs | 94.0972% | 5,567 |
| Earnings coverage of net charge-offs (x) | -12.2778% | 6,910 |
| Efficiency ratio | 152.3697% | 338 |
| Assets per employee ($millions) | 3.3683% | 5,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9395% | 1,335 |
| Loan loss allowance to noncurrent loans | 23.4758% | 7,073 |
| Noncurrent assets plus other real estate owned to assets | 3.0134% | 1,522 |
| Noncurrent loans to loans | 8.2617% | 316 |
| Net loans and leases to total assets | 33.3146% | 7,910 |
| Net loans and leases to deposits | 40.7795% | 7,927 |
| Net loans and leases to core deposits | 77.0193% | 6,794 |
| Total domestic deposits to total assets | 81.6946% | 4,323 |
| Equity capital to assets | 11.3373% | 2,761 |
| Core capital (leverage) ratio | 11.5088% | 2,246 |
| Tier 1 risk-based capital ratio | 24.2353% | 1,060 |
| Total risk-based capital ratio | 25.4880% | 1,039 |
| Memoranda: |
| Average total assets | $241,955,200 | 2,636 |
| Average earning assets | $232,936,200 | 2,529 |
| Average equity | $29,306,000 | 2,306 |
| Average total loans | $85,873,800 | 4,335 |
