| 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 | 5.1933% | 1,675 |
| Cost of funding earning assets | 2.2189% | 621 |
| Net interest margin | 2.9744% | 3,344 |
| Noninterest income to average assets | 0.1400% | 4,103 |
| Noninterest expense to average assets | 2.5048% | 2,284 |
| Loan and lease loss provision to assets | 0.7300% | 107 |
| Net operating income to assets | -0.2909% | 4,483 |
| Return on assets (ROA) | -0.2909% | 4,467 |
| Pretax return on assets | -0.3104% | 4,459 |
| Return on Equity (ROE) | -2.7100% | 4,435 |
| Retained earnings to average equity (ytd only) | -2.7134% | 4,311 |
| Net charge-offs to loans | 0.7859% | 130 |
| Credit loss provision to net charge-offs | 112.9294% | 1,739 |
| Earnings coverage of net charge-offs (x) | 0.6570% | 2,801 |
| Efficiency ratio | 85.6238% | 584 |
| Assets per employee ($millions) | 11.3571% | 488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2822% | 1,864 |
| Loan loss allowance to noncurrent loans | 261.0245% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.9055% | 550 |
| Noncurrent loans to loans | 0.4912% | 1,558 |
| Net loans and leases to total assets | 77.8900% | 880 |
| Net loans and leases to deposits | 94.1188% | 929 |
| Net loans and leases to core deposits | 108.4695% | 1,017 |
| Total domestic deposits to total assets | 82.7600% | 2,951 |
| Equity capital to assets | 10.8945% | 1,527 |
| Core capital (leverage) ratio | 11.6557% | 1,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7861% | 1,597 |
| Memoranda: |
| Average total assets | $577,566,600 | 1,531 |
| Average earning assets | $541,391,600 | 1,522 |
| Average equity | $61,914,600 | 1,360 |
| Average total loans | $470,398,600 | 1,297 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0930% | 1,645 |
| Cost of funding earning assets | 2.0721% | 626 |
| Net interest margin | 3.0209% | 3,305 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 2.3586% | 2,632 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.3537% | 4,041 |
| Return on assets (ROA) | 0.3537% | 4,045 |
| Pretax return on assets | 0.5443% | 3,834 |
| Return on Equity (ROE) | 3.2900% | 4,074 |
| Retained earnings to average equity (ytd only) | 3.2898% | 3,445 |
| Net charge-offs to loans | 0.0889% | 857 |
| Credit loss provision to net charge-offs | 102.8481% | 1,597 |
| Earnings coverage of net charge-offs (x) | 8.3513% | 2,197 |
| Efficiency ratio | 79.4822% | 892 |
| Assets per employee ($millions) | 11.4219% | 448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1226% | 2,748 |
| Loan loss allowance to noncurrent loans | 54.3064% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 1.7042% | 192 |
| Noncurrent loans to loans | 2.0672% | 283 |
| Net loans and leases to total assets | 81.5100% | 478 |
| Net loans and leases to deposits | 97.3451% | 650 |
| Net loans and leases to core deposits | 113.4141% | 756 |
| Total domestic deposits to total assets | 83.7400% | 2,851 |
| Equity capital to assets | 11.0419% | 1,331 |
| Core capital (leverage) ratio | 12.1112% | 1,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4665% | 1,435 |
| Memoranda: |
| Average total assets | $577,905,250 | 1,531 |
| Average earning assets | $542,246,500 | 1,518 |
| Average equity | $62,129,500 | 1,350 |
| Average total loans | $473,741,500 | 1,284 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0101% | 1,546 |
| Cost of funding earning assets | 1.9204% | 580 |
| Net interest margin | 3.0896% | 3,247 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 2.4332% | 2,394 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.4414% | 3,927 |
| Return on assets (ROA) | 0.4414% | 3,934 |
| Pretax return on assets | 0.5771% | 3,837 |
| Return on Equity (ROE) | 4.1400% | 4,010 |
| Retained earnings to average equity (ytd only) | 4.1434% | 3,178 |
| Net charge-offs to loans | 0.1323% | 561 |
| Credit loss provision to net charge-offs | 48.0769% | 1,682 |
| Earnings coverage of net charge-offs (x) | 5.7564% | 2,155 |
| Efficiency ratio | 79.6094% | 864 |
| Assets per employee ($millions) | 11.3942% | 454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0889% | 3,002 |
| Loan loss allowance to noncurrent loans | 158.6626% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 0.5662% | 957 |
| Noncurrent loans to loans | 0.6863% | 1,091 |
| Net loans and leases to total assets | 81.6000% | 465 |
| Net loans and leases to deposits | 96.4960% | 703 |
| Net loans and leases to core deposits | 110.3506% | 812 |
| Total domestic deposits to total assets | 84.5600% | 2,671 |
| Equity capital to assets | 11.2066% | 1,303 |
| Core capital (leverage) ratio | 12.1021% | 1,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3705% | 1,465 |
| Memoranda: |
| Average total assets | $576,367,333 | 1,542 |
| Average earning assets | $540,710,333 | 1,526 |
| Average equity | $61,399,000 | 1,363 |
| Average total loans | $471,583,333 | 1,273 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9105% | 1,390 |
| Cost of funding earning assets | 1.7521% | 496 |
| Net interest margin | 3.1584% | 3,212 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 2.5399% | 2,133 |
| Loan and lease loss provision to assets | 1.6700% | 47 |
| Net operating income to assets | -0.8896% | 4,614 |
| Return on assets (ROA) | -0.8896% | 4,605 |
| Pretax return on assets | -1.1153% | 4,615 |
| Return on Equity (ROE) | -8.4700% | 4,588 |
| Retained earnings to average equity (ytd only) | -8.4694% | 4,446 |
| Net charge-offs to loans | 2.4752% | 35 |
| Credit loss provision to net charge-offs | 82.6731% | 1,199 |
| Earnings coverage of net charge-offs (x) | 0.2752% | 2,003 |
| Efficiency ratio | 82.0247% | 700 |
| Assets per employee ($millions) | 9.2450% | 859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1640% | 2,744 |
| Loan loss allowance to noncurrent loans | 135.2869% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 0.7085% | 691 |
| Noncurrent loans to loans | 0.8604% | 882 |
| Net loans and leases to total assets | 81.3900% | 427 |
| Net loans and leases to deposits | 96.7181% | 616 |
| Net loans and leases to core deposits | 110.2492% | 699 |
| Total domestic deposits to total assets | 84.1500% | 3,062 |
| Equity capital to assets | 11.3577% | 1,202 |
| Core capital (leverage) ratio | 12.1323% | 1,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5951% | 1,466 |
| Memoranda: |
| Average total assets | $574,202,000 | 1,571 |
| Average earning assets | $539,013,000 | 1,541 |
| Average equity | $60,311,500 | 1,390 |
| Average total loans | $469,138,000 | 1,290 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5034% | 712 |
| Cost of funding earning assets | 0.8171% | 363 |
| Net interest margin | 3.6864% | 1,410 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 2.3559% | 2,566 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 0.8758% | 3,060 |
| Return on assets (ROA) | 0.8758% | 2,998 |
| Pretax return on assets | 1.1061% | 2,755 |
| Return on Equity (ROE) | 8.8500% | 3,164 |
| Retained earnings to average equity (ytd only) | 8.8539% | 1,523 |
| Net charge-offs to loans | 0.0144% | 1,844 |
| Credit loss provision to net charge-offs | 1,200.0000% | 377 |
| Earnings coverage of net charge-offs (x) | 107.8923% | 941 |
| Efficiency ratio | 65.4345% | 2,302 |
| Assets per employee ($millions) | 8.9987% | 915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2963% | 1,911 |
| Loan loss allowance to noncurrent loans | 88.9347% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 1.1800% | 325 |
| Noncurrent loans to loans | 1.4575% | 452 |
| Net loans and leases to total assets | 79.9100% | 604 |
| Net loans and leases to deposits | 90.9925% | 983 |
| Net loans and leases to core deposits | 96.4012% | 1,182 |
| Total domestic deposits to total assets | 87.8200% | 2,135 |
| Equity capital to assets | 9.6561% | 1,916 |
| Core capital (leverage) ratio | 10.7393% | 1,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0663% | 1,953 |
| Memoranda: |
| Average total assets | $563,515,000 | 1,574 |
| Average earning assets | $527,729,800 | 1,557 |
| Average equity | $55,738,400 | 1,487 |
| Average total loans | $452,538,600 | 1,263 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4209% | 556 |
| Cost of funding earning assets | 0.5761% | 496 |
| Net interest margin | 3.8448% | 885 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 2.3404% | 2,514 |
| Loan and lease loss provision to assets | 0.1900% | 485 |
| Net operating income to assets | 0.9248% | 2,776 |
| Return on assets (ROA) | 0.9248% | 2,746 |
| Pretax return on assets | 1.2231% | 2,278 |
| Return on Equity (ROE) | 9.2900% | 2,936 |
| Retained earnings to average equity (ytd only) | 9.2927% | 1,556 |
| Net charge-offs to loans | 0.0059% | 1,948 |
| Credit loss provision to net charge-offs | 3,900.0000% | 144 |
| Earnings coverage of net charge-offs (x) | 296.0500% | 475 |
| Efficiency ratio | 62.4254% | 2,776 |
| Assets per employee ($millions) | 8.9363% | 916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3103% | 1,984 |
| Loan loss allowance to noncurrent loans | 85.0636% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 1.2514% | 312 |
| Noncurrent loans to loans | 1.5403% | 446 |
| Net loans and leases to total assets | 80.1800% | 514 |
| Net loans and leases to deposits | 97.4825% | 476 |
| Net loans and leases to core deposits | 104.3089% | 641 |
| Total domestic deposits to total assets | 82.2500% | 3,801 |
| Equity capital to assets | 9.4996% | 1,884 |
| Core capital (leverage) ratio | 10.5245% | 2,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $560,414,500 | 1,593 |
| Average earning assets | $524,650,000 | 1,582 |
| Average equity | $55,770,250 | 1,499 |
| Average total loans | $449,106,750 | 1,267 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3460% | 485 |
| Cost of funding earning assets | 0.3907% | 979 |
| Net interest margin | 3.9553% | 550 |
| Noninterest income to average assets | 0.1567% | 4,236 |
| Noninterest expense to average assets | 2.3569% | 2,381 |
| Loan and lease loss provision to assets | 0.2354% | 322 |
| Net operating income to assets | 0.9609% | 2,308 |
| Return on assets (ROA) | 0.9609% | 2,287 |
| Pretax return on assets | 1.2713% | 1,837 |
| Return on Equity (ROE) | 9.5075% | 2,522 |
| Retained earnings to average equity (ytd only) | 9.5075% | 1,136 |
| Net charge-offs to loans | 0.0099% | 1,617 |
| Credit loss provision to net charge-offs | 2,977.2727% | 185 |
| Earnings coverage of net charge-offs (x) | 190.5909% | 554 |
| Efficiency ratio | 61.0026% | 3,178 |
| Assets per employee ($millions) | 8.8399% | 940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2902% | 2,235 |
| Loan loss allowance to noncurrent loans | 114.8555% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 0.9032% | 555 |
| Noncurrent loans to loans | 1.1233% | 728 |
| Net loans and leases to total assets | 79.3727% | 447 |
| Net loans and leases to deposits | 99.5493% | 290 |
| Net loans and leases to core deposits | 105.4970% | 467 |
| Total domestic deposits to total assets | 79.7321% | 4,248 |
| Equity capital to assets | 9.6408% | 1,913 |
| Core capital (leverage) ratio | 10.3133% | 2,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4990% | 2,291 |
| Memoranda: |
| Average total assets | $556,579,000 | 1,605 |
| Average earning assets | $521,635,000 | 1,604 |
| Average equity | $56,250,333 | 1,519 |
| Average total loans | $443,930,667 | 1,273 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2467% | 484 |
| Cost of funding earning assets | 0.3193% | 1,472 |
| Net interest margin | 3.9274% | 469 |
| Noninterest income to average assets | 0.2023% | 3,950 |
| Noninterest expense to average assets | 2.3098% | 2,464 |
| Loan and lease loss provision to assets | 0.3689% | 152 |
| Net operating income to assets | 0.9197% | 2,203 |
| Return on assets (ROA) | 0.9197% | 2,199 |
| Pretax return on assets | 1.2170% | 1,747 |
| Return on Equity (ROE) | 8.8853% | 2,360 |
| Retained earnings to average equity (ytd only) | 8.8853% | 1,301 |
| Net charge-offs to loans | -0.0018% | 3,098 |
| Credit loss provision to net charge-offs | -25,250.0000% | 3,607 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2912% | 3,557 |
| Assets per employee ($millions) | 8.4838% | 1,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2849% | 2,430 |
| Loan loss allowance to noncurrent loans | 110.9949% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 0.9249% | 578 |
| Noncurrent loans to loans | 1.1576% | 765 |
| Net loans and leases to total assets | 78.8688% | 307 |
| Net loans and leases to deposits | 99.4207% | 188 |
| Net loans and leases to core deposits | 101.5098% | 454 |
| Total domestic deposits to total assets | 79.3283% | 4,330 |
| Equity capital to assets | 9.8292% | 2,028 |
| Core capital (leverage) ratio | 10.4281% | 1,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3277% | 2,471 |
| Memoranda: |
| Average total assets | $547,572,500 | 1,639 |
| Average earning assets | $514,944,000 | 1,631 |
| Average equity | $56,678,000 | 1,552 |
| Average total loans | $434,881,000 | 1,282 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5698% | 531 |
| Cost of funding earning assets | 0.3687% | 1,772 |
| Net interest margin | 4.2011% | 488 |
| Noninterest income to average assets | 0.2974% | 3,621 |
| Noninterest expense to average assets | 3.1666% | 764 |
| Loan and lease loss provision to assets | 0.1030% | 1,220 |
| Net operating income to assets | 0.7533% | 3,480 |
| Return on assets (ROA) | 0.7862% | 3,442 |
| Pretax return on assets | 0.9932% | 3,275 |
| Return on Equity (ROE) | 7.4250% | 3,400 |
| Retained earnings to average equity (ytd only) | 7.4250% | 1,753 |
| Net charge-offs to loans | -0.0019% | 3,350 |
| Credit loss provision to net charge-offs | -7,142.8571% | 4,197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5389% | 1,250 |
| Assets per employee ($millions) | 7.9807% | 1,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2819% | 2,448 |
| Loan loss allowance to noncurrent loans | 121.5328% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 0.8323% | 709 |
| Noncurrent loans to loans | 1.0548% | 926 |
| Net loans and leases to total assets | 77.8951% | 383 |
| Net loans and leases to deposits | 92.4877% | 441 |
| Net loans and leases to core deposits | 95.0620% | 729 |
| Total domestic deposits to total assets | 84.2221% | 3,497 |
| Equity capital to assets | 10.9136% | 1,846 |
| Core capital (leverage) ratio | 10.9016% | 1,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0756% | 2,214 |
| Memoranda: |
| Average total assets | $485,506,400 | 1,733 |
| Average earning assets | $453,458,000 | 1,730 |
| Average equity | $51,407,200 | 1,722 |
| Average total loans | $375,628,400 | 1,441 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6051% | 561 |
| Cost of funding earning assets | 0.3871% | 1,807 |
| Net interest margin | 4.2179% | 523 |
| Noninterest income to average assets | 0.3333% | 3,439 |
| Noninterest expense to average assets | 2.7059% | 1,573 |
| Loan and lease loss provision to assets | 0.0701% | 1,612 |
| Net operating income to assets | 1.1255% | 2,457 |
| Return on assets (ROA) | 1.1703% | 2,335 |
| Pretax return on assets | 1.5451% | 1,863 |
| Return on Equity (ROE) | 11.1474% | 2,328 |
| Retained earnings to average equity (ytd only) | 11.1474% | 1,025 |
| Net charge-offs to loans | -0.0018% | 3,199 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2739% | 2,496 |
| Assets per employee ($millions) | 8.6371% | 1,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2940% | 2,518 |
| Loan loss allowance to noncurrent loans | 112.5998% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 0.8846% | 780 |
| Noncurrent loans to loans | 1.1492% | 977 |
| Net loans and leases to total assets | 75.9794% | 549 |
| Net loans and leases to deposits | 92.2552% | 485 |
| Net loans and leases to core deposits | 95.1735% | 785 |
| Total domestic deposits to total assets | 82.3578% | 3,852 |
| Equity capital to assets | 11.1586% | 1,912 |
| Core capital (leverage) ratio | 11.5591% | 1,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2371% | 1,884 |
| Memoranda: |
| Average total assets | $475,200,750 | 1,780 |
| Average earning assets | $442,891,750 | 1,779 |
| Average equity | $49,887,750 | 1,784 |
| Average total loans | $365,629,500 | 1,500 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4837% | 745 |
| Cost of funding earning assets | 0.4135% | 1,772 |
| Net interest margin | 4.0702% | 733 |
| Noninterest income to average assets | 0.3260% | 3,470 |
| Noninterest expense to average assets | 2.7585% | 1,448 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0220% | 2,815 |
| Return on assets (ROA) | 1.0588% | 2,758 |
| Pretax return on assets | 1.3965% | 2,353 |
| Return on Equity (ROE) | 10.3232% | 2,647 |
| Retained earnings to average equity (ytd only) | 10.3232% | 1,307 |
| Net charge-offs to loans | -0.0017% | 3,163 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9536% | 2,022 |
| Assets per employee ($millions) | 8.2714% | 1,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3440% | 2,221 |
| Loan loss allowance to noncurrent loans | 175.6737% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.5627% | 1,483 |
| Noncurrent loans to loans | 0.7650% | 1,577 |
| Net loans and leases to total assets | 72.5621% | 901 |
| Net loans and leases to deposits | 85.2760% | 961 |
| Net loans and leases to core deposits | 88.0551% | 1,264 |
| Total domestic deposits to total assets | 85.0909% | 3,053 |
| Equity capital to assets | 11.3473% | 1,732 |
| Core capital (leverage) ratio | 11.9239% | 1,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1640% | 1,573 |
| Memoranda: |
| Average total assets | $463,737,333 | 1,803 |
| Average earning assets | $430,937,000 | 1,813 |
| Average equity | $47,562,667 | 1,848 |
| Average total loans | $356,752,667 | 1,536 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7535% | 526 |
| Cost of funding earning assets | 0.4334% | 1,839 |
| Net interest margin | 4.3200% | 499 |
| Noninterest income to average assets | 0.2861% | 3,693 |
| Noninterest expense to average assets | 2.7396% | 1,521 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1993% | 2,151 |
| Return on assets (ROA) | 1.1993% | 2,227 |
| Pretax return on assets | 1.5810% | 1,779 |
| Return on Equity (ROE) | 12.4061% | 1,870 |
| Retained earnings to average equity (ytd only) | 12.4061% | 1,050 |
| Net charge-offs to loans | -0.0022% | 3,160 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2226% | 2,574 |
| Assets per employee ($millions) | 8.1093% | 1,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3481% | 2,206 |
| Loan loss allowance to noncurrent loans | 176.2148% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 0.5921% | 1,612 |
| Noncurrent loans to loans | 0.7650% | 1,709 |
| Net loans and leases to total assets | 76.3543% | 601 |
| Net loans and leases to deposits | 87.9249% | 833 |
| Net loans and leases to core deposits | 92.4601% | 1,085 |
| Total domestic deposits to total assets | 86.8404% | 2,376 |
| Equity capital to assets | 9.5253% | 3,172 |
| Core capital (leverage) ratio | 9.7629% | 2,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4076% | 2,526 |
| Memoranda: |
| Average total assets | $451,600,500 | 1,837 |
| Average earning assets | $421,754,500 | 1,833 |
| Average equity | $43,656,000 | 1,960 |
| Average total loans | $355,661,500 | 1,544 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8994% | 596 |
| Cost of funding earning assets | 0.9420% | 733 |
| Net interest margin | 3.9574% | 1,066 |
| Noninterest income to average assets | 0.2072% | 4,234 |
| Noninterest expense to average assets | 2.8861% | 1,722 |
| Loan and lease loss provision to assets | 0.4491% | 621 |
| Net operating income to assets | 0.4267% | 4,191 |
| Return on assets (ROA) | 0.4285% | 4,264 |
| Pretax return on assets | 0.5507% | 4,176 |
| Return on Equity (ROE) | 4.3953% | 4,061 |
| Retained earnings to average equity (ytd only) | 4.3953% | 2,595 |
| Net charge-offs to loans | 0.0135% | 2,859 |
| Credit loss provision to net charge-offs | 4,320.0000% | 241 |
| Earnings coverage of net charge-offs (x) | 95.9556% | 804 |
| Efficiency ratio | 74.1062% | 1,429 |
| Assets per employee ($millions) | 7.4741% | 1,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3635% | 2,129 |
| Loan loss allowance to noncurrent loans | 181.7188% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.6016% | 1,756 |
| Noncurrent loans to loans | 0.7504% | 1,825 |
| Net loans and leases to total assets | 79.0861% | 497 |
| Net loans and leases to deposits | 93.8415% | 667 |
| Net loans and leases to core deposits | 101.0047% | 859 |
| Total domestic deposits to total assets | 84.2762% | 3,021 |
| Equity capital to assets | 9.8154% | 3,302 |
| Core capital (leverage) ratio | 9.4109% | 3,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1499% | 2,568 |
| Memoranda: |
| Average total assets | $432,864,600 | 1,755 |
| Average earning assets | $402,131,800 | 1,761 |
| Average equity | $42,204,600 | 1,938 |
| Average total loans | $333,456,400 | 1,565 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9005% | 730 |
| Cost of funding earning assets | 1.0505% | 637 |
| Net interest margin | 3.8500% | 1,478 |
| Noninterest income to average assets | 0.1934% | 4,315 |
| Noninterest expense to average assets | 2.8384% | 1,858 |
| Loan and lease loss provision to assets | 0.4779% | 641 |
| Net operating income to assets | 0.3476% | 4,363 |
| Return on assets (ROA) | 0.3500% | 4,415 |
| Pretax return on assets | 0.4527% | 4,370 |
| Return on Equity (ROE) | 3.5960% | 4,270 |
| Retained earnings to average equity (ytd only) | 3.5960% | 3,257 |
| Net charge-offs to loans | 0.0191% | 2,477 |
| Credit loss provision to net charge-offs | 3,285.1064% | 329 |
| Earnings coverage of net charge-offs (x) | 63.7660% | 1,059 |
| Efficiency ratio | 75.1500% | 1,283 |
| Assets per employee ($millions) | 7.8783% | 1,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2453% | 2,415 |
| Loan loss allowance to noncurrent loans | 141.4986% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.6719% | 1,716 |
| Noncurrent loans to loans | 0.8800% | 1,698 |
| Net loans and leases to total assets | 75.3950% | 1,177 |
| Net loans and leases to deposits | 95.8226% | 771 |
| Net loans and leases to core deposits | 104.8426% | 888 |
| Total domestic deposits to total assets | 78.6819% | 4,106 |
| Equity capital to assets | 9.1825% | 3,969 |
| Core capital (leverage) ratio | 9.0389% | 3,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6484% | 2,743 |
| Memoranda: |
| Average total assets | $430,838,500 | 1,741 |
| Average earning assets | $399,787,250 | 1,746 |
| Average equity | $41,935,000 | 1,935 |
| Average total loans | $328,429,000 | 1,578 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0587% | 748 |
| Cost of funding earning assets | 1.1729% | 558 |
| Net interest margin | 3.8858% | 1,606 |
| Noninterest income to average assets | 0.1507% | 4,548 |
| Noninterest expense to average assets | 2.7532% | 2,201 |
| Loan and lease loss provision to assets | 0.5001% | 718 |
| Net operating income to assets | 0.3829% | 4,268 |
| Return on assets (ROA) | 0.3866% | 4,321 |
| Pretax return on assets | 0.5015% | 4,246 |
| Return on Equity (ROE) | 3.8910% | 4,138 |
| Retained earnings to average equity (ytd only) | 3.8910% | 2,964 |
| Net charge-offs to loans | -0.0031% | 3,889 |
| Credit loss provision to net charge-offs | -20,980.0000% | 4,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1884% | 1,543 |
| Assets per employee ($millions) | 7.7536% | 1,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1316% | 2,870 |
| Loan loss allowance to noncurrent loans | 119.3277% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 0.7284% | 1,689 |
| Noncurrent loans to loans | 0.9484% | 1,633 |
| Net loans and leases to total assets | 75.9341% | 1,148 |
| Net loans and leases to deposits | 104.4436% | 359 |
| Net loans and leases to core deposits | 113.9736% | 594 |
| Total domestic deposits to total assets | 72.7034% | 4,671 |
| Equity capital to assets | 9.1714% | 3,952 |
| Core capital (leverage) ratio | 9.2992% | 3,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5729% | 2,784 |
| Memoranda: |
| Average total assets | $419,512,333 | 1,752 |
| Average earning assets | $388,596,667 | 1,759 |
| Average equity | $41,686,000 | 1,929 |
| Average total loans | $319,616,000 | 1,595 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3863% | 471 |
| Cost of funding earning assets | 1.2928% | 578 |
| Net interest margin | 4.0935% | 1,146 |
| Noninterest income to average assets | 0.2966% | 3,742 |
| Noninterest expense to average assets | 3.1977% | 1,427 |
| Loan and lease loss provision to assets | 0.4714% | 627 |
| Net operating income to assets | 0.3166% | 4,311 |
| Return on assets (ROA) | 0.3166% | 4,336 |
| Pretax return on assets | 0.4095% | 4,276 |
| Return on Equity (ROE) | 3.0517% | 4,207 |
| Retained earnings to average equity (ytd only) | 3.0517% | 3,064 |
| Net charge-offs to loans | -0.0040% | 3,789 |
| Credit loss provision to net charge-offs | -15,733.3333% | 4,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1832% | 1,312 |
| Assets per employee ($millions) | 7.1552% | 1,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0859% | 3,281 |
| Loan loss allowance to noncurrent loans | 99.6188% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 0.8361% | 1,607 |
| Noncurrent loans to loans | 1.0900% | 1,527 |
| Net loans and leases to total assets | 75.8727% | 1,324 |
| Net loans and leases to deposits | 100.3932% | 534 |
| Net loans and leases to core deposits | 110.2256% | 843 |
| Total domestic deposits to total assets | 75.5755% | 4,525 |
| Equity capital to assets | 10.3392% | 3,478 |
| Core capital (leverage) ratio | 10.3623% | 3,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0045% | 2,282 |
| Memoranda: |
| Average total assets | $400,536,500 | 1,766 |
| Average earning assets | $370,048,000 | 1,777 |
| Average equity | $41,551,000 | 1,928 |
| Average total loans | $303,750,500 | 1,627 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3852% | 685 |
| Cost of funding earning assets | 1.3949% | 576 |
| Net interest margin | 3.9903% | 1,884 |
| Noninterest income to average assets | 0.3017% | 3,883 |
| Noninterest expense to average assets | 3.2588% | 1,383 |
| Loan and lease loss provision to assets | 0.0060% | 3,888 |
| Net operating income to assets | 0.5361% | 4,323 |
| Return on assets (ROA) | 0.2080% | 4,858 |
| Pretax return on assets | 0.3812% | 4,742 |
| Return on Equity (ROE) | 1.9937% | 4,800 |
| Retained earnings to average equity (ytd only) | 1.9937% | 4,003 |
| Net charge-offs to loans | 0.0007% | 3,707 |
| Credit loss provision to net charge-offs | 1,150.0000% | 300 |
| Earnings coverage of net charge-offs (x) | 1,369.0000% | 65 |
| Efficiency ratio | 81.7447% | 811 |
| Assets per employee ($millions) | 7.0219% | 1,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9916% | 3,567 |
| Loan loss allowance to noncurrent loans | 83.3428% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 0.8916% | 1,429 |
| Noncurrent loans to loans | 1.1898% | 1,271 |
| Net loans and leases to total assets | 74.1908% | 1,719 |
| Net loans and leases to deposits | 95.3040% | 1,022 |
| Net loans and leases to core deposits | 106.2860% | 1,093 |
| Total domestic deposits to total assets | 77.8464% | 4,385 |
| Equity capital to assets | 10.4097% | 3,531 |
| Core capital (leverage) ratio | 10.2987% | 3,191 |
| Tier 1 risk-based capital ratio | 13.5795% | 3,471 |
| Total risk-based capital ratio | 14.5855% | 3,500 |
| Memoranda: |
| Average total assets | $382,778,600 | 1,794 |
| Average earning assets | $352,283,000 | 1,807 |
| Average equity | $39,925,400 | 1,937 |
| Average total loans | $302,285,600 | 1,592 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3634% | 758 |
| Cost of funding earning assets | 1.3846% | 601 |
| Net interest margin | 3.9787% | 2,021 |
| Noninterest income to average assets | 0.3195% | 3,833 |
| Noninterest expense to average assets | 3.2620% | 1,350 |
| Loan and lease loss provision to assets | 0.0607% | 2,687 |
| Net operating income to assets | 0.4987% | 4,517 |
| Return on assets (ROA) | 0.0786% | 5,045 |
| Pretax return on assets | 0.2339% | 4,961 |
| Return on Equity (ROE) | 0.7528% | 5,033 |
| Retained earnings to average equity (ytd only) | 0.7528% | 4,616 |
| Net charge-offs to loans | 0.0013% | 3,407 |
| Credit loss provision to net charge-offs | 5,766.6667% | 72 |
| Earnings coverage of net charge-offs (x) | 679.3175% | 145 |
| Efficiency ratio | 81.7621% | 773 |
| Assets per employee ($millions) | 6.6337% | 1,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0099% | 3,518 |
| Loan loss allowance to noncurrent loans | 86.1914% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 0.9260% | 1,460 |
| Noncurrent loans to loans | 1.1716% | 1,350 |
| Net loans and leases to total assets | 78.2399% | 1,100 |
| Net loans and leases to deposits | 101.0310% | 559 |
| Net loans and leases to core deposits | 112.2856% | 834 |
| Total domestic deposits to total assets | 77.4415% | 4,450 |
| Equity capital to assets | 10.5218% | 3,524 |
| Core capital (leverage) ratio | 10.3770% | 3,228 |
| Tier 1 risk-based capital ratio | 13.3178% | 3,676 |
| Total risk-based capital ratio | 14.3763% | 3,685 |
| Memoranda: |
| Average total assets | $380,166,250 | 1,818 |
| Average earning assets | $349,448,250 | 1,832 |
| Average equity | $39,673,250 | 1,955 |
| Average total loans | $304,191,750 | 1,596 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3396% | 750 |
| Cost of funding earning assets | 1.3589% | 615 |
| Net interest margin | 3.9807% | 1,983 |
| Noninterest income to average assets | 0.2419% | 4,305 |
| Noninterest expense to average assets | 3.1682% | 1,573 |
| Loan and lease loss provision to assets | 0.0914% | 2,025 |
| Net operating income to assets | 0.4918% | 4,536 |
| Return on assets (ROA) | -0.1410% | 5,140 |
| Pretax return on assets | 0.0058% | 5,106 |
| Return on Equity (ROE) | -1.3552% | 5,151 |
| Retained earnings to average equity (ytd only) | -1.3552% | 4,865 |
| Net charge-offs to loans | 0.0039% | 3,025 |
| Credit loss provision to net charge-offs | 2,883.3333% | 133 |
| Earnings coverage of net charge-offs (x) | 230.3333% | 349 |
| Efficiency ratio | 81.0027% | 885 |
| Assets per employee ($millions) | 5.9380% | 1,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0378% | 3,401 |
| Loan loss allowance to noncurrent loans | 86.6667% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 0.9315% | 1,493 |
| Noncurrent loans to loans | 1.1975% | 1,340 |
| Net loans and leases to total assets | 76.9803% | 1,393 |
| Net loans and leases to deposits | 103.0069% | 472 |
| Net loans and leases to core deposits | 114.9857% | 728 |
| Total domestic deposits to total assets | 74.7331% | 4,784 |
| Equity capital to assets | 10.4494% | 3,562 |
| Core capital (leverage) ratio | 9.8802% | 3,731 |
| Tier 1 risk-based capital ratio | 13.3243% | 3,682 |
| Total risk-based capital ratio | 14.4102% | 3,665 |
| Memoranda: |
| Average total assets | $378,636,670 | 1,831 |
| Average earning assets | $347,775,670 | 1,846 |
| Average equity | $39,403,330 | 1,961 |
| Average total loans | $304,221,330 | 1,601 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3989% | 635 |
| Cost of funding earning assets | 1.4486% | 386 |
| Net interest margin | 3.9502% | 2,020 |
| Noninterest income to average assets | 3.1106% | 136 |
| Noninterest expense to average assets | 6.5915% | 117 |
| Loan and lease loss provision to assets | 0.0931% | 1,869 |
| Net operating income to assets | 0.0455% | 5,121 |
| Return on assets (ROA) | 0.0455% | 5,124 |
| Pretax return on assets | 0.0508% | 5,121 |
| Return on Equity (ROE) | 0.4382% | 5,123 |
| Retained earnings to average equity (ytd only) | 0.4382% | 4,448 |
| Net charge-offs to loans | 0.0104% | 2,318 |
| Credit loss provision to net charge-offs | 1,100.0000% | 342 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,677 |
| Efficiency ratio | 97.7058% | 200 |
| Assets per employee ($millions) | 2.6104% | 5,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9791% | 3,828 |
| Loan loss allowance to noncurrent loans | 83.9009% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 0.9518% | 1,478 |
| Noncurrent loans to loans | 1.1669% | 1,423 |
| Net loans and leases to total assets | 80.7669% | 749 |
| Net loans and leases to deposits | 110.4412% | 207 |
| Net loans and leases to core deposits | 124.2223% | 420 |
| Total domestic deposits to total assets | 73.1312% | 4,988 |
| Equity capital to assets | 10.5697% | 3,287 |
| Core capital (leverage) ratio | 10.2365% | 3,345 |
| Tier 1 risk-based capital ratio | 13.4150% | 3,656 |
| Total risk-based capital ratio | 14.4671% | 3,668 |
| Memoranda: |
| Average total assets | $377,939,500 | 1,848 |
| Average earning assets | $346,814,500 | 1,863 |
| Average equity | $39,249,500 | 1,955 |
| Average total loans | $308,523,500 | 1,597 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3352% | 545 |
| Cost of funding earning assets | 1.1147% | 469 |
| Net interest margin | 4.2205% | 1,350 |
| Noninterest income to average assets | 4.1952% | 106 |
| Noninterest expense to average assets | 7.5382% | 96 |
| Loan and lease loss provision to assets | 0.0879% | 2,387 |
| Net operating income to assets | 0.3040% | 5,003 |
| Return on assets (ROA) | 0.3040% | 4,995 |
| Pretax return on assets | 0.4236% | 4,916 |
| Return on Equity (ROE) | 2.6141% | 4,966 |
| Retained earnings to average equity (ytd only) | -8.7930% | 5,305 |
| Net charge-offs to loans | 0.1816% | 1,056 |
| Credit loss provision to net charge-offs | 59.5506% | 3,107 |
| Earnings coverage of net charge-offs (x) | 3.4663% | 3,409 |
| Efficiency ratio | 93.4777% | 249 |
| Assets per employee ($millions) | 2.3048% | 5,265 |
| Cash dividends to net income (ytd only)* | 436.3636% | 13 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9281% | 4,054 |
| Loan loss allowance to noncurrent loans | 79.6103% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 0.9524% | 1,438 |
| Noncurrent loans to loans | 1.1658% | 1,380 |
| Net loans and leases to total assets | 80.9407% | 810 |
| Net loans and leases to deposits | 114.4283% | 163 |
| Net loans and leases to core deposits | 131.2805% | 296 |
| Total domestic deposits to total assets | 70.7349% | 5,131 |
| Equity capital to assets | 10.2050% | 3,465 |
| Core capital (leverage) ratio | 10.2853% | 3,261 |
| Tier 1 risk-based capital ratio | 13.4644% | 3,565 |
| Total risk-based capital ratio | 14.5018% | 3,577 |
| Memoranda: |
| Average total assets | $361,889,800 | 1,867 |
| Average earning assets | $330,505,800 | 1,886 |
| Average equity | $42,079,000 | 1,779 |
| Average total loans | $294,100,400 | 1,620 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3016% | 523 |
| Cost of funding earning assets | 1.0259% | 532 |
| Net interest margin | 4.2757% | 1,170 |
| Noninterest income to average assets | 4.2591% | 110 |
| Noninterest expense to average assets | 7.6878% | 95 |
| Loan and lease loss provision to assets | 0.0348% | 3,312 |
| Net operating income to assets | 0.3442% | 5,038 |
| Return on assets (ROA) | 0.3442% | 5,035 |
| Pretax return on assets | 0.4373% | 4,991 |
| Return on Equity (ROE) | 2.8666% | 5,019 |
| Retained earnings to average equity (ytd only) | 2.8666% | 4,287 |
| Net charge-offs to loans | -0.0111% | 4,429 |
| Credit loss provision to net charge-offs | -387.5000% | 4,448 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0406% | 241 |
| Assets per employee ($millions) | 2.3445% | 5,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0649% | 3,379 |
| Loan loss allowance to noncurrent loans | 60.5165% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 1.4336% | 920 |
| Noncurrent loans to loans | 1.7597% | 879 |
| Net loans and leases to total assets | 80.5982% | 930 |
| Net loans and leases to deposits | 118.9563% | 113 |
| Net loans and leases to core deposits | 136.8508% | 234 |
| Total domestic deposits to total assets | 67.7545% | 5,287 |
| Equity capital to assets | 11.5971% | 2,183 |
| Core capital (leverage) ratio | 11.6623% | 2,034 |
| Tier 1 risk-based capital ratio | 15.2953% | 2,744 |
| Total risk-based capital ratio | 16.5371% | 2,672 |
| Memoranda: |
| Average total assets | $356,713,500 | 1,899 |
| Average earning assets | $325,428,250 | 1,919 |
| Average equity | $42,837,750 | 1,749 |
| Average total loans | $289,481,500 | 1,646 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1911% | 558 |
| Cost of funding earning assets | 0.9169% | 685 |
| Net interest margin | 4.2742% | 1,096 |
| Noninterest income to average assets | 4.4359% | 106 |
| Noninterest expense to average assets | 7.7220% | 96 |
| Loan and lease loss provision to assets | 0.0529% | 2,856 |
| Net operating income to assets | 0.4343% | 4,889 |
| Return on assets (ROA) | 0.4343% | 4,898 |
| Pretax return on assets | 0.5590% | 4,798 |
| Return on Equity (ROE) | 3.5732% | 4,913 |
| Retained earnings to average equity (ytd only) | 3.5732% | 3,814 |
| Net charge-offs to loans | 0.0077% | 2,851 |
| Credit loss provision to net charge-offs | 845.4545% | 473 |
| Earnings coverage of net charge-offs (x) | 97.7273% | 703 |
| Efficiency ratio | 92.4800% | 296 |
| Assets per employee ($millions) | 2.0396% | 5,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0626% | 3,468 |
| Loan loss allowance to noncurrent loans | 57.2682% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 1.4804% | 901 |
| Noncurrent loans to loans | 1.8554% | 834 |
| Net loans and leases to total assets | 78.9399% | 1,170 |
| Net loans and leases to deposits | 120.2939% | 100 |
| Net loans and leases to core deposits | 141.0662% | 186 |
| Total domestic deposits to total assets | 65.6225% | 5,393 |
| Equity capital to assets | 11.4069% | 2,262 |
| Core capital (leverage) ratio | 12.2536% | 1,568 |
| Tier 1 risk-based capital ratio | 15.2435% | 2,761 |
| Total risk-based capital ratio | 16.4723% | 2,696 |
| Memoranda: |
| Average total assets | $351,360,000 | 1,935 |
| Average earning assets | $320,432,330 | 1,940 |
| Average equity | $42,706,670 | 1,752 |
| Average total loans | $284,747,670 | 1,665 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3214% | 392 |
| Cost of funding earning assets | 0.8603% | 722 |
| Net interest margin | 4.4612% | 666 |
| Noninterest income to average assets | 4.1930% | 114 |
| Noninterest expense to average assets | 7.6673% | 97 |
| Loan and lease loss provision to assets | 0.0260% | 3,178 |
| Net operating income to assets | 0.4433% | 4,832 |
| Return on assets (ROA) | 0.4433% | 4,833 |
| Pretax return on assets | 0.5580% | 4,773 |
| Return on Equity (ROE) | 3.5262% | 4,884 |
| Retained earnings to average equity (ytd only) | 3.5262% | 3,793 |
| Net charge-offs to loans | 0.0246% | 2,013 |
| Credit loss provision to net charge-offs | 129.4118% | 1,340 |
| Earnings coverage of net charge-offs (x) | 29.0588% | 1,259 |
| Efficiency ratio | 92.7364% | 343 |
| Assets per employee ($millions) | 1.8034% | 5,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1281% | 3,216 |
| Loan loss allowance to noncurrent loans | 54.8200% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 1.6709% | 782 |
| Noncurrent loans to loans | 2.0579% | 761 |
| Net loans and leases to total assets | 80.2775% | 899 |
| Net loans and leases to deposits | 110.7393% | 234 |
| Net loans and leases to core deposits | 123.9274% | 471 |
| Total domestic deposits to total assets | 72.4924% | 5,252 |
| Equity capital to assets | 12.5135% | 1,479 |
| Core capital (leverage) ratio | 12.4864% | 1,399 |
| Tier 1 risk-based capital ratio | 16.0907% | 2,430 |
| Total risk-based capital ratio | 17.3411% | 2,382 |
| Memoranda: |
| Average total assets | $338,373,000 | 1,984 |
| Average earning assets | $307,811,500 | 2,009 |
| Average equity | $42,539,000 | 1,772 |
| Average total loans | $276,588,500 | 1,709 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1351% | 497 |
| Cost of funding earning assets | 0.7508% | 816 |
| Net interest margin | 4.3842% | 802 |
| Noninterest income to average assets | 3.5429% | 143 |
| Noninterest expense to average assets | 6.6158% | 130 |
| Loan and lease loss provision to assets | 0.1692% | 1,298 |
| Net operating income to assets | 0.2223% | 5,063 |
| Return on assets (ROA) | 0.1892% | 5,146 |
| Pretax return on assets | 0.7229% | 4,454 |
| Return on Equity (ROE) | 1.5309% | 5,151 |
| Retained earnings to average equity (ytd only) | 1.5309% | 4,384 |
| Net charge-offs to loans | -0.0133% | 4,859 |
| Credit loss provision to net charge-offs | -1,597.2222% | 5,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2728% | 574 |
| Assets per employee ($millions) | 2.3166% | 5,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1276% | 3,199 |
| Loan loss allowance to noncurrent loans | 57.3294% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 1.6186% | 818 |
| Noncurrent loans to loans | 1.9668% | 779 |
| Net loans and leases to total assets | 81.3680% | 764 |
| Net loans and leases to deposits | 112.7581% | 196 |
| Net loans and leases to core deposits | 123.3845% | 490 |
| Total domestic deposits to total assets | 72.1616% | 5,311 |
| Equity capital to assets | 12.6306% | 1,442 |
| Core capital (leverage) ratio | 11.9643% | 1,620 |
| Tier 1 risk-based capital ratio | 15.9619% | 2,440 |
| Total risk-based capital ratio | 17.2129% | 2,386 |
| Memoranda: |
| Average total assets | $339,866,600 | 1,961 |
| Average earning assets | $311,388,600 | 1,983 |
| Average equity | $42,002,800 | 1,775 |
| Average total loans | $271,638,400 | 1,703 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0258% | 579 |
| Cost of funding earning assets | 0.7125% | 910 |
| Net interest margin | 4.3132% | 891 |
| Noninterest income to average assets | 3.3174% | 169 |
| Noninterest expense to average assets | 6.4800% | 134 |
| Loan and lease loss provision to assets | 0.2151% | 872 |
| Net operating income to assets | 0.3829% | 5,030 |
| Return on assets (ROA) | 0.3829% | 5,059 |
| Pretax return on assets | 0.5813% | 4,878 |
| Return on Equity (ROE) | 3.1155% | 5,081 |
| Retained earnings to average equity (ytd only) | 3.1155% | 4,059 |
| Net charge-offs to loans | -0.0054% | 4,478 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,168 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7915% | 461 |
| Assets per employee ($millions) | 2.5909% | 5,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0969% | 3,495 |
| Loan loss allowance to noncurrent loans | 52.8520% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 1.5999% | 925 |
| Noncurrent loans to loans | 2.0754% | 809 |
| Net loans and leases to total assets | 76.2393% | 1,547 |
| Net loans and leases to deposits | 111.7430% | 221 |
| Net loans and leases to core deposits | 121.8258% | 522 |
| Total domestic deposits to total assets | 68.2274% | 5,530 |
| Equity capital to assets | 11.7732% | 2,131 |
| Core capital (leverage) ratio | 11.9471% | 1,722 |
| Tier 1 risk-based capital ratio | 15.7017% | 2,627 |
| Total risk-based capital ratio | 16.9268% | 2,582 |
| Memoranda: |
| Average total assets | $340,856,750 | 1,976 |
| Average earning assets | $312,860,250 | 1,985 |
| Average equity | $41,896,750 | 1,795 |
| Average total loans | $270,438,750 | 1,716 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9901% | 571 |
| Cost of funding earning assets | 0.6830% | 973 |
| Net interest margin | 4.3071% | 842 |
| Noninterest income to average assets | 2.8666% | 193 |
| Noninterest expense to average assets | 6.4670% | 139 |
| Loan and lease loss provision to assets | 0.2398% | 708 |
| Net operating income to assets | 0.1013% | 5,491 |
| Return on assets (ROA) | 0.1013% | 5,494 |
| Pretax return on assets | 0.1145% | 5,498 |
| Return on Equity (ROE) | 0.8120% | 5,493 |
| Retained earnings to average equity (ytd only) | 0.8120% | 4,888 |
| Net charge-offs to loans | -0.0105% | 4,551 |
| Credit loss provision to net charge-offs | -2,857.1429% | 5,001 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5065% | 294 |
| Assets per employee ($millions) | 2.5631% | 5,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0577% | 3,805 |
| Loan loss allowance to noncurrent loans | 49.7614% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 1.7344% | 817 |
| Noncurrent loans to loans | 2.1255% | 778 |
| Net loans and leases to total assets | 80.7360% | 842 |
| Net loans and leases to deposits | 115.5857% | 166 |
| Net loans and leases to core deposits | 120.9531% | 521 |
| Total domestic deposits to total assets | 69.8494% | 5,539 |
| Equity capital to assets | 12.3670% | 1,690 |
| Core capital (leverage) ratio | 11.9560% | 1,655 |
| Tier 1 risk-based capital ratio | 15.7495% | 2,600 |
| Total risk-based capital ratio | 16.9544% | 2,557 |
| Memoranda: |
| Average total assets | $333,568,670 | 2,008 |
| Average earning assets | $306,288,000 | 2,021 |
| Average equity | $41,627,670 | 1,798 |
| Average total loans | $267,384,000 | 1,733 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7805% | 781 |
| Cost of funding earning assets | 0.6530% | 1,063 |
| Net interest margin | 4.1274% | 1,149 |
| Noninterest income to average assets | 2.5255% | 230 |
| Noninterest expense to average assets | 6.3674% | 147 |
| Loan and lease loss provision to assets | 0.3019% | 443 |
| Net operating income to assets | -0.2029% | 5,681 |
| Return on assets (ROA) | -0.2029% | 5,682 |
| Pretax return on assets | -0.3575% | 5,700 |
| Return on Equity (ROE) | -1.6185% | 5,672 |
| Retained earnings to average equity (ytd only) | -1.6185% | 5,138 |
| Net charge-offs to loans | -0.0106% | 4,453 |
| Credit loss provision to net charge-offs | -3,571.4286% | 4,670 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.5549% | 215 |
| Assets per employee ($millions) | 2.4025% | 5,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0312% | 4,092 |
| Loan loss allowance to noncurrent loans | 46.7988% | 4,716 |
| Noncurrent assets plus other real estate owned to assets | 1.7680% | 819 |
| Noncurrent loans to loans | 2.2034% | 770 |
| Net loans and leases to total assets | 79.4095% | 917 |
| Net loans and leases to deposits | 111.6625% | 181 |
| Net loans and leases to core deposits | 116.6084% | 571 |
| Total domestic deposits to total assets | 71.1157% | 5,589 |
| Equity capital to assets | 12.4122% | 1,589 |
| Core capital (leverage) ratio | 12.0853% | 1,569 |
| Tier 1 risk-based capital ratio | 15.8914% | 2,593 |
| Total risk-based capital ratio | 17.0513% | 2,569 |
| Memoranda: |
| Average total assets | $331,185,500 | 2,036 |
| Average earning assets | $303,820,000 | 2,050 |
| Average equity | $41,520,500 | 1,796 |
| Average total loans | $263,037,000 | 1,762 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9317% | 681 |
| Cost of funding earning assets | 0.6218% | 1,194 |
| Net interest margin | 4.3099% | 916 |
| Noninterest income to average assets | 3.7411% | 155 |
| Noninterest expense to average assets | 6.9500% | 133 |
| Loan and lease loss provision to assets | 0.3415% | 510 |
| Net operating income to assets | 0.3801% | 5,008 |
| Return on assets (ROA) | 0.3801% | 5,089 |
| Pretax return on assets | 0.4129% | 5,203 |
| Return on Equity (ROE) | 3.5741% | 4,992 |
| Retained earnings to average equity (ytd only) | 3.5741% | 3,382 |
| Net charge-offs to loans | 0.1756% | 1,562 |
| Credit loss provision to net charge-offs | 250.3686% | 1,153 |
| Earnings coverage of net charge-offs (x) | 5.5307% | 3,323 |
| Efficiency ratio | 89.8595% | 564 |
| Assets per employee ($millions) | 2.3346% | 5,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9708% | 4,472 |
| Loan loss allowance to noncurrent loans | 41.9836% | 4,852 |
| Noncurrent assets plus other real estate owned to assets | 1.8394% | 789 |
| Noncurrent loans to loans | 2.3124% | 716 |
| Net loans and leases to total assets | 78.7706% | 1,078 |
| Net loans and leases to deposits | 110.2547% | 221 |
| Net loans and leases to core deposits | 115.0436% | 657 |
| Total domestic deposits to total assets | 71.4442% | 5,596 |
| Equity capital to assets | 11.6446% | 2,049 |
| Core capital (leverage) ratio | 11.3514% | 2,037 |
| Tier 1 risk-based capital ratio | 16.1507% | 2,488 |
| Total risk-based capital ratio | 17.2470% | 2,482 |
| Memoranda: |
| Average total assets | $298,357,600 | 2,175 |
| Average earning assets | $274,368,600 | 2,183 |
| Average equity | $31,728,000 | 2,241 |
| Average total loans | $231,718,000 | 1,893 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9364% | 677 |
| Cost of funding earning assets | 0.6002% | 1,329 |
| Net interest margin | 4.3361% | 869 |
| Noninterest income to average assets | 3.6095% | 168 |
| Noninterest expense to average assets | 6.9407% | 136 |
| Loan and lease loss provision to assets | 0.1398% | 1,677 |
| Net operating income to assets | 0.4870% | 4,739 |
| Return on assets (ROA) | 0.4870% | 4,832 |
| Pretax return on assets | 0.5062% | 5,110 |
| Return on Equity (ROE) | 4.7043% | 4,642 |
| Retained earnings to average equity (ytd only) | 4.7043% | 3,012 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1051% | 506 |
| Assets per employee ($millions) | 2.4906% | 5,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8743% | 4,959 |
| Loan loss allowance to noncurrent loans | 179.2991% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 0.3732% | 3,929 |
| Noncurrent loans to loans | 0.4876% | 3,544 |
| Net loans and leases to total assets | 75.8735% | 1,539 |
| Net loans and leases to deposits | 101.7139% | 594 |
| Net loans and leases to core deposits | 105.7981% | 1,203 |
| Total domestic deposits to total assets | 74.5951% | 5,376 |
| Equity capital to assets | 9.4149% | 4,751 |
| Core capital (leverage) ratio | 9.9137% | 3,675 |
| Tier 1 risk-based capital ratio | 13.3775% | 3,934 |
| Total risk-based capital ratio | 14.3510% | 4,009 |
| Memoranda: |
| Average total assets | $291,819,000 | 2,224 |
| Average earning assets | $267,666,250 | 2,233 |
| Average equity | $30,213,000 | 2,353 |
| Average total loans | $225,116,000 | 1,950 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0235% | 562 |
| Cost of funding earning assets | 0.5936% | 1,367 |
| Net interest margin | 4.4299% | 719 |
| Noninterest income to average assets | 3.2271% | 185 |
| Noninterest expense to average assets | 6.8270% | 144 |
| Loan and lease loss provision to assets | 0.1080% | 2,058 |
| Net operating income to assets | 0.3399% | 5,207 |
| Return on assets (ROA) | 0.3399% | 5,295 |
| Pretax return on assets | 0.3506% | 5,418 |
| Return on Equity (ROE) | 3.1702% | 5,193 |
| Retained earnings to average equity (ytd only) | 3.1702% | 3,882 |
| Net charge-offs to loans | -0.0999% | 5,615 |
| Credit loss provision to net charge-offs | -139.8148% | 4,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2823% | 437 |
| Assets per employee ($millions) | 2.0701% | 5,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9408% | 4,802 |
| Loan loss allowance to noncurrent loans | 160.4322% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.5345% | 3,429 |
| Noncurrent loans to loans | 0.5864% | 3,310 |
| Net loans and leases to total assets | 78.7858% | 1,102 |
| Net loans and leases to deposits | 99.7988% | 709 |
| Net loans and leases to core deposits | 105.2454% | 1,236 |
| Total domestic deposits to total assets | 78.9446% | 4,800 |
| Equity capital to assets | 10.5755% | 3,553 |
| Core capital (leverage) ratio | 10.8857% | 2,548 |
| Tier 1 risk-based capital ratio | 14.8489% | 3,140 |
| Total risk-based capital ratio | 15.9093% | 3,170 |
| Memoranda: |
| Average total assets | $279,507,000 | 2,305 |
| Average earning assets | $256,078,000 | 2,331 |
| Average equity | $29,966,670 | 2,371 |
| Average total loans | $216,275,330 | 2,008 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8713% | 732 |
| Cost of funding earning assets | 0.6024% | 1,317 |
| Net interest margin | 4.2690% | 973 |
| Noninterest income to average assets | 2.6973% | 229 |
| Noninterest expense to average assets | 6.5160% | 151 |
| Loan and lease loss provision to assets | 0.0755% | 2,446 |
| Net operating income to assets | -0.0145% | 5,796 |
| Return on assets (ROA) | -0.0145% | 5,822 |
| Pretax return on assets | 0.0073% | 5,803 |
| Return on Equity (ROE) | -0.1345% | 5,824 |
| Retained earnings to average equity (ytd only) | -0.1345% | 5,127 |
| Net charge-offs to loans | -0.2019% | 5,854 |
| Credit loss provision to net charge-offs | -49.0566% | 4,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2831% | 335 |
| Assets per employee ($millions) | 2.2881% | 5,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9564% | 4,816 |
| Loan loss allowance to noncurrent loans | 151.7751% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 0.6642% | 3,068 |
| Noncurrent loans to loans | 0.6301% | 3,277 |
| Net loans and leases to total assets | 76.1255% | 1,375 |
| Net loans and leases to deposits | 90.2647% | 1,551 |
| Net loans and leases to core deposits | 95.2095% | 1,869 |
| Total domestic deposits to total assets | 84.3359% | 3,381 |
| Equity capital to assets | 10.6933% | 3,268 |
| Core capital (leverage) ratio | 11.0886% | 2,325 |
| Tier 1 risk-based capital ratio | 15.2052% | 3,061 |
| Total risk-based capital ratio | 16.2580% | 3,088 |
| Memoranda: |
| Average total assets | $275,385,500 | 2,340 |
| Average earning assets | $251,677,500 | 2,373 |
| Average equity | $29,734,500 | 2,385 |
| Average total loans | $209,983,500 | 2,056 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1078% | 507 |
| Cost of funding earning assets | 0.6027% | 1,342 |
| Net interest margin | 4.5050% | 643 |
| Noninterest income to average assets | 1.8712% | 394 |
| Noninterest expense to average assets | 5.5299% | 208 |
| Loan and lease loss provision to assets | 0.1295% | 1,857 |
| Net operating income to assets | 0.3226% | 5,290 |
| Return on assets (ROA) | 0.3248% | 5,370 |
| Pretax return on assets | 0.3324% | 5,452 |
| Return on Equity (ROE) | 2.8989% | 5,336 |
| Retained earnings to average equity (ytd only) | 2.8989% | 3,992 |
| Net charge-offs to loans | 0.0774% | 2,718 |
| Credit loss provision to net charge-offs | 220.7792% | 1,288 |
| Earnings coverage of net charge-offs (x) | 7.8377% | 3,032 |
| Efficiency ratio | 91.6778% | 586 |
| Assets per employee ($millions) | 2.7764% | 5,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9205% | 5,008 |
| Loan loss allowance to noncurrent loans | 127.1141% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 0.7012% | 2,949 |
| Noncurrent loans to loans | 0.7241% | 3,014 |
| Net loans and leases to total assets | 74.9285% | 1,585 |
| Net loans and leases to deposits | 90.0515% | 1,606 |
| Net loans and leases to core deposits | 94.8591% | 1,963 |
| Total domestic deposits to total assets | 83.2063% | 3,769 |
| Equity capital to assets | 11.0353% | 2,785 |
| Core capital (leverage) ratio | 11.2071% | 2,210 |
| Tier 1 risk-based capital ratio | 16.0890% | 2,649 |
| Total risk-based capital ratio | 17.1015% | 2,699 |
| Memoranda: |
| Average total assets | $262,607,200 | 2,403 |
| Average earning assets | $240,066,400 | 2,427 |
| Average equity | $29,425,200 | 2,358 |
| Average total loans | $198,950,000 | 2,079 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9740% | 658 |
| Cost of funding earning assets | 0.5967% | 1,427 |
| Net interest margin | 4.3772% | 831 |
| Noninterest income to average assets | 1.6169% | 481 |
| Noninterest expense to average assets | 5.2951% | 232 |
| Loan and lease loss provision to assets | 0.1537% | 1,414 |
| Net operating income to assets | 0.1706% | 5,735 |
| Return on assets (ROA) | 0.1737% | 5,781 |
| Pretax return on assets | 0.1737% | 5,822 |
| Return on Equity (ROE) | 1.5439% | 5,767 |
| Retained earnings to average equity (ytd only) | 1.5439% | 5,094 |
| Net charge-offs to loans | 0.1041% | 2,094 |
| Credit loss provision to net charge-offs | 194.8052% | 1,365 |
| Earnings coverage of net charge-offs (x) | 4.1104% | 3,398 |
| Efficiency ratio | 93.4902% | 503 |
| Assets per employee ($millions) | 2.5838% | 5,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8860% | 5,251 |
| Loan loss allowance to noncurrent loans | 230.5970% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.4548% | 3,977 |
| Noncurrent loans to loans | 0.3842% | 4,235 |
| Net loans and leases to total assets | 77.1836% | 1,225 |
| Net loans and leases to deposits | 97.3581% | 874 |
| Net loans and leases to core deposits | 102.2783% | 1,363 |
| Total domestic deposits to total assets | 79.2780% | 4,916 |
| Equity capital to assets | 11.0303% | 2,986 |
| Core capital (leverage) ratio | 11.1826% | 2,321 |
| Tier 1 risk-based capital ratio | 15.6021% | 2,996 |
| Total risk-based capital ratio | 16.5806% | 3,053 |
| Memoranda: |
| Average total assets | $260,236,500 | 2,442 |
| Average earning assets | $237,953,500 | 2,462 |
| Average equity | $29,275,000 | 2,385 |
| Average total loans | $197,245,750 | 2,104 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9586% | 639 |
| Cost of funding earning assets | 0.5975% | 1,432 |
| Net interest margin | 4.3611% | 817 |
| Noninterest income to average assets | 1.5974% | 506 |
| Noninterest expense to average assets | 5.3036% | 237 |
| Loan and lease loss provision to assets | 0.1360% | 1,610 |
| Net operating income to assets | 0.1445% | 5,823 |
| Return on assets (ROA) | 0.1336% | 5,875 |
| Pretax return on assets | 0.1336% | 5,903 |
| Return on Equity (ROE) | 1.1800% | 5,869 |
| Retained earnings to average equity (ytd only) | 1.1800% | 5,091 |
| Net charge-offs to loans | -0.1915% | 6,012 |
| Credit loss provision to net charge-offs | -94.5946% | 4,886 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2118% | 508 |
| Assets per employee ($millions) | 3.5678% | 4,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0324% | 4,701 |
| Loan loss allowance to noncurrent loans | 182.8470% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 0.6561% | 3,437 |
| Noncurrent loans to loans | 0.5646% | 3,763 |
| Net loans and leases to total assets | 73.1138% | 1,802 |
| Net loans and leases to deposits | 93.5772% | 1,193 |
| Net loans and leases to core deposits | 98.4325% | 1,618 |
| Total domestic deposits to total assets | 78.1320% | 5,256 |
| Equity capital to assets | 10.8169% | 3,091 |
| Core capital (leverage) ratio | 11.2930% | 2,169 |
| Tier 1 risk-based capital ratio | 14.9762% | 3,372 |
| Total risk-based capital ratio | 16.0308% | 3,414 |
| Memoranda: |
| Average total assets | $257,410,330 | 2,476 |
| Average earning assets | $235,306,330 | 2,497 |
| Average equity | $29,153,330 | 2,407 |
| Average total loans | $193,241,670 | 2,149 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9600% | 616 |
| Cost of funding earning assets | 0.6137% | 1,343 |
| Net interest margin | 4.3463% | 801 |
| Noninterest income to average assets | 1.2533% | 725 |
| Noninterest expense to average assets | 5.4139% | 237 |
| Loan and lease loss provision to assets | 0.1597% | 1,267 |
| Net operating income to assets | -0.3512% | 6,205 |
| Return on assets (ROA) | -0.3736% | 6,227 |
| Pretax return on assets | -0.3736% | 6,214 |
| Return on Equity (ROE) | -3.2204% | 6,220 |
| Retained earnings to average equity (ytd only) | -3.2204% | 5,810 |
| Net charge-offs to loans | -0.3859% | 6,200 |
| Credit loss provision to net charge-offs | -54.6448% | 4,406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.0572% | 286 |
| Assets per employee ($millions) | 3.5199% | 4,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0248% | 4,901 |
| Loan loss allowance to noncurrent loans | 134.3455% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 0.8294% | 3,018 |
| Noncurrent loans to loans | 0.7628% | 3,350 |
| Net loans and leases to total assets | 75.8740% | 1,226 |
| Net loans and leases to deposits | 95.3446% | 879 |
| Net loans and leases to core deposits | 100.4639% | 1,290 |
| Total domestic deposits to total assets | 79.5787% | 5,151 |
| Equity capital to assets | 11.4206% | 2,540 |
| Core capital (leverage) ratio | 11.6237% | 1,908 |
| Tier 1 risk-based capital ratio | 15.4882% | 3,148 |
| Total risk-based capital ratio | 16.5538% | 3,191 |
| Memoranda: |
| Average total assets | $250,540,500 | 2,556 |
| Average earning assets | $228,792,000 | 2,568 |
| Average equity | $29,065,000 | 2,427 |
| Average total loans | $189,704,500 | 2,187 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6278% | 1,478 |
| Cost of funding earning assets | 0.7887% | 685 |
| Net interest margin | 3.8391% | 2,472 |
| Noninterest income to average assets | 3.2045% | 178 |
| Noninterest expense to average assets | 6.1530% | 170 |
| Loan and lease loss provision to assets | 0.0249% | 4,105 |
| Net operating income to assets | 0.4133% | 5,179 |
| Return on assets (ROA) | 0.2695% | 5,668 |
| Pretax return on assets | 0.3064% | 5,692 |
| Return on Equity (ROE) | 2.1485% | 5,731 |
| Retained earnings to average equity (ytd only) | -7.7840% | 6,265 |
| Net charge-offs to loans | 0.0564% | 3,702 |
| Credit loss provision to net charge-offs | 66.6667% | 3,140 |
| Earnings coverage of net charge-offs (x) | 13.2400% | 2,290 |
| Efficiency ratio | 92.2818% | 688 |
| Assets per employee ($millions) | 3.3019% | 5,251 |
| Cash dividends to net income (ytd only)* | 462.2921% | 21 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9221% | 5,397 |
| Loan loss allowance to noncurrent loans | 208.9351% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.6610% | 3,593 |
| Noncurrent loans to loans | 0.4413% | 4,317 |
| Net loans and leases to total assets | 74.0653% | 1,573 |
| Net loans and leases to deposits | 90.4727% | 1,470 |
| Net loans and leases to core deposits | 95.7572% | 1,747 |
| Total domestic deposits to total assets | 81.8648% | 4,469 |
| Equity capital to assets | 11.7854% | 2,187 |
| Core capital (leverage) ratio | 11.6787% | 1,841 |
| Tier 1 risk-based capital ratio | 16.1346% | 2,899 |
| Total risk-based capital ratio | 17.0887% | 2,991 |
| Memoranda: |
| Average total assets | $200,749,200 | 2,986 |
| Average earning assets | $180,041,000 | 3,044 |
| Average equity | $25,180,000 | 2,643 |
| Average total loans | $132,907,200 | 2,807 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3357% | 2,472 |
| Cost of funding earning assets | 0.7876% | 734 |
| Net interest margin | 3.5481% | 3,636 |
| Noninterest income to average assets | 3.9789% | 147 |
| Noninterest expense to average assets | 5.5878% | 221 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.5560% | 830 |
| Return on assets (ROA) | 1.5765% | 821 |
| Pretax return on assets | 1.5765% | 1,402 |
| Return on Equity (ROE) | 12.3247% | 1,389 |
| Retained earnings to average equity (ytd only) | -1.4668% | 6,028 |
| Net charge-offs to loans | 0.0723% | 3,164 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 33.9402% | 1,266 |
| Efficiency ratio | 78.1299% | 2,164 |
| Assets per employee ($millions) | 3.0659% | 5,655 |
| Cash dividends to net income (ytd only)* | 111.9013% | 251 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9631% | 5,376 |
| Loan loss allowance to noncurrent loans | 272.5490% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.5627% | 4,169 |
| Noncurrent loans to loans | 0.3534% | 4,848 |
| Net loans and leases to total assets | 67.4066% | 2,625 |
| Net loans and leases to deposits | 83.5047% | 2,222 |
| Net loans and leases to core deposits | 89.1165% | 2,312 |
| Total domestic deposits to total assets | 80.7220% | 4,913 |
| Equity capital to assets | 11.9214% | 2,128 |
| Core capital (leverage) ratio | 12.0190% | 1,693 |
| Tier 1 risk-based capital ratio | 17.0487% | 2,600 |
| Total risk-based capital ratio | 17.9859% | 2,663 |
| Memoranda: |
| Average total assets | $189,025,250 | 3,138 |
| Average earning assets | $168,610,750 | 3,200 |
| Average equity | $24,178,500 | 2,747 |
| Average total loans | $119,852,500 | 3,054 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7372% | 1,204 |
| Cost of funding earning assets | 0.8766% | 489 |
| Net interest margin | 3.8606% | 2,330 |
| Noninterest income to average assets | 1.9795% | 353 |
| Noninterest expense to average assets | 6.0235% | 178 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.6411% | 6,471 |
| Return on assets (ROA) | -0.6064% | 6,466 |
| Pretax return on assets | -0.6064% | 6,447 |
| Return on Equity (ROE) | -4.5828% | 6,421 |
| Retained earnings to average equity (ytd only) | -4.5828% | 6,205 |
| Net charge-offs to loans | 0.1724% | 2,012 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -6.0909% | 4,299 |
| Efficiency ratio | 111.9111% | 206 |
| Assets per employee ($millions) | 2.5899% | 6,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5974% | 2,469 |
| Loan loss allowance to noncurrent loans | 371.1061% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.7603% | 3,687 |
| Noncurrent loans to loans | 0.4304% | 4,694 |
| Net loans and leases to total assets | 60.1601% | 3,687 |
| Net loans and leases to deposits | 74.8048% | 3,222 |
| Net loans and leases to core deposits | 78.0818% | 3,428 |
| Total domestic deposits to total assets | 80.4228% | 5,152 |
| Equity capital to assets | 13.0340% | 1,355 |
| Core capital (leverage) ratio | 13.3607% | 1,031 |
| Tier 1 risk-based capital ratio | 22.6382% | 1,163 |
| Total risk-based capital ratio | 23.8934% | 1,146 |
| Memoranda: |
| Average total assets | $167,211,670 | 3,421 |
| Average earning assets | $147,386,000 | 3,528 |
| Average equity | $22,126,000 | 2,933 |
| Average total loans | $102,071,670 | 3,416 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7393% | 1,166 |
| Cost of funding earning assets | 0.8726% | 525 |
| Net interest margin | 3.8667% | 2,208 |
| Noninterest income to average assets | 1.5794% | 486 |
| Noninterest expense to average assets | 5.7823% | 210 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.8185% | 6,542 |
| Return on assets (ROA) | -0.7489% | 6,529 |
| Pretax return on assets | -0.7297% | 6,515 |
| Return on Equity (ROE) | -5.6171% | 6,482 |
| Retained earnings to average equity (ytd only) | -5.6171% | 6,162 |
| Net charge-offs to loans | -0.1181% | 6,185 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.0405% | 207 |
| Assets per employee ($millions) | 2.7683% | 6,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7000% | 2,354 |
| Loan loss allowance to noncurrent loans | 299.8299% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.8983% | 3,490 |
| Noncurrent loans to loans | 0.5670% | 4,459 |
| Net loans and leases to total assets | 61.3744% | 3,335 |
| Net loans and leases to deposits | 76.3043% | 2,782 |
| Net loans and leases to core deposits | 79.9073% | 2,982 |
| Total domestic deposits to total assets | 80.4337% | 5,395 |
| Equity capital to assets | 13.3247% | 1,164 |
| Core capital (leverage) ratio | 13.8043% | 886 |
| Tier 1 risk-based capital ratio | 22.5346% | 1,202 |
| Total risk-based capital ratio | 23.7905% | 1,180 |
| Memoranda: |
| Average total assets | $166,645,500 | 3,452 |
| Average earning assets | $146,687,500 | 3,574 |
| Average equity | $22,218,000 | 2,923 |
| Average total loans | $101,647,500 | 3,433 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5761% | 1,944 |
| Cost of funding earning assets | 1.0194% | 407 |
| Net interest margin | 3.5567% | 3,648 |
| Noninterest income to average assets | 1.7010% | 505 |
| Noninterest expense to average assets | 5.3496% | 272 |
| Loan and lease loss provision to assets | -0.1683% | 6,566 |
| Net operating income to assets | -0.3147% | 6,423 |
| Return on assets (ROA) | -0.3712% | 6,462 |
| Pretax return on assets | -0.3974% | 6,455 |
| Return on Equity (ROE) | -2.8199% | 6,422 |
| Retained earnings to average equity (ytd only) | -2.8199% | 6,253 |
| Net charge-offs to loans | 0.1122% | 3,704 |
| Credit loss provision to net charge-offs | -259.6491% | 6,029 |
| Earnings coverage of net charge-offs (x) | -7.7895% | 5,414 |
| Efficiency ratio | 110.4201% | 263 |
| Assets per employee ($millions) | 2.8338% | 6,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7401% | 2,267 |
| Loan loss allowance to noncurrent loans | 287.8738% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 1.1298% | 3,138 |
| Noncurrent loans to loans | 0.6045% | 4,469 |
| Net loans and leases to total assets | 58.5296% | 3,947 |
| Net loans and leases to deposits | 74.4207% | 3,201 |
| Net loans and leases to core deposits | 77.8288% | 3,390 |
| Total domestic deposits to total assets | 78.6470% | 5,719 |
| Equity capital to assets | 13.3402% | 1,126 |
| Core capital (leverage) ratio | 13.8887% | 856 |
| Tier 1 risk-based capital ratio | 23.4360% | 1,025 |
| Total risk-based capital ratio | 24.6916% | 1,004 |
| Memoranda: |
| Average total assets | $175,899,400 | 3,322 |
| Average earning assets | $155,482,200 | 3,408 |
| Average equity | $23,157,200 | 2,802 |
| Average total loans | $101,581,600 | 3,411 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5350% | 2,100 |
| Cost of funding earning assets | 1.0456% | 395 |
| Net interest margin | 3.4894% | 3,922 |
| Noninterest income to average assets | 1.8239% | 471 |
| Noninterest expense to average assets | 5.3714% | 269 |
| Loan and lease loss provision to assets | -0.2216% | 6,734 |
| Net operating income to assets | -0.2055% | 6,474 |
| Return on assets (ROA) | -0.2576% | 6,512 |
| Pretax return on assets | -0.2972% | 6,515 |
| Return on Equity (ROE) | -1.9626% | 6,481 |
| Retained earnings to average equity (ytd only) | -1.9626% | 6,261 |
| Net charge-offs to loans | 0.0300% | 4,529 |
| Credit loss provision to net charge-offs | -1,286.9565% | 6,229 |
| Earnings coverage of net charge-offs (x) | -26.6485% | 5,185 |
| Efficiency ratio | 109.3431% | 280 |
| Assets per employee ($millions) | 2.9827% | 5,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9110% | 1,968 |
| Loan loss allowance to noncurrent loans | 269.4239% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 1.1185% | 3,415 |
| Noncurrent loans to loans | 0.7093% | 4,438 |
| Net loans and leases to total assets | 54.1183% | 4,596 |
| Net loans and leases to deposits | 68.8612% | 3,955 |
| Net loans and leases to core deposits | 71.9109% | 4,105 |
| Total domestic deposits to total assets | 78.5904% | 5,815 |
| Equity capital to assets | 12.4441% | 1,616 |
| Core capital (leverage) ratio | 13.5177% | 1,018 |
| Tier 1 risk-based capital ratio | 24.0524% | 995 |
| Total risk-based capital ratio | 25.3101% | 975 |
| Memoranda: |
| Average total assets | $178,075,750 | 3,322 |
| Average earning assets | $157,615,250 | 3,415 |
| Average equity | $23,370,500 | 2,811 |
| Average total loans | $102,079,250 | 3,425 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5586% | 2,003 |
| Cost of funding earning assets | 1.0637% | 398 |
| Net interest margin | 3.4949% | 3,800 |
| Noninterest income to average assets | 1.9347% | 470 |
| Noninterest expense to average assets | 5.4948% | 262 |
| Loan and lease loss provision to assets | -0.3293% | 6,837 |
| Net operating income to assets | -0.0923% | 6,400 |
| Return on assets (ROA) | -0.1491% | 6,494 |
| Pretax return on assets | -0.2181% | 6,510 |
| Return on Equity (ROE) | -1.1174% | 6,466 |
| Retained earnings to average equity (ytd only) | -1.1174% | 6,069 |
| Net charge-offs to loans | 0.0441% | 4,065 |
| Credit loss provision to net charge-offs | -1,286.9565% | 6,068 |
| Earnings coverage of net charge-offs (x) | -18.1304% | 4,879 |
| Efficiency ratio | 109.2216% | 293 |
| Assets per employee ($millions) | 2.6455% | 6,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8704% | 2,193 |
| Loan loss allowance to noncurrent loans | 241.9098% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 1.2291% | 3,297 |
| Noncurrent loans to loans | 0.7732% | 4,372 |
| Net loans and leases to total assets | 54.8075% | 4,477 |
| Net loans and leases to deposits | 70.2377% | 3,687 |
| Net loans and leases to core deposits | 73.4789% | 3,875 |
| Total domestic deposits to total assets | 78.0314% | 5,971 |
| Equity capital to assets | 13.3886% | 1,188 |
| Core capital (leverage) ratio | 13.6305% | 930 |
| Tier 1 risk-based capital ratio | 24.5147% | 934 |
| Total risk-based capital ratio | 25.7719% | 915 |
| Memoranda: |
| Average total assets | $179,768,670 | 3,312 |
| Average earning assets | $159,259,000 | 3,409 |
| Average equity | $23,984,670 | 2,773 |
| Average total loans | $104,290,000 | 3,395 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5693% | 1,924 |
| Cost of funding earning assets | 1.0786% | 414 |
| Net interest margin | 3.4907% | 3,740 |
| Noninterest income to average assets | 1.7768% | 512 |
| Noninterest expense to average assets | 4.8500% | 404 |
| Loan and lease loss provision to assets | -0.2194% | 6,901 |
| Net operating income to assets | 0.2180% | 5,829 |
| Return on assets (ROA) | 0.1667% | 6,090 |
| Pretax return on assets | 0.1843% | 6,107 |
| Return on Equity (ROE) | 1.2516% | 6,160 |
| Retained earnings to average equity (ytd only) | 1.2516% | 5,349 |
| Net charge-offs to loans | -0.2229% | 6,706 |
| Credit loss provision to net charge-offs | 166.6667% | 1,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5498% | 566 |
| Assets per employee ($millions) | 2.7746% | 6,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0853% | 1,830 |
| Loan loss allowance to noncurrent loans | 138.7203% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 1.7439% | 2,677 |
| Noncurrent loans to loans | 1.5032% | 3,299 |
| Net loans and leases to total assets | 54.7536% | 4,281 |
| Net loans and leases to deposits | 70.5228% | 3,392 |
| Net loans and leases to core deposits | 73.6828% | 3,619 |
| Total domestic deposits to total assets | 77.6396% | 6,167 |
| Equity capital to assets | 13.4514% | 1,230 |
| Core capital (leverage) ratio | 13.3736% | 985 |
| Tier 1 risk-based capital ratio | 24.2437% | 987 |
| Total risk-based capital ratio | 25.5043% | 970 |
| Memoranda: |
| Average total assets | $182,351,000 | 3,319 |
| Average earning assets | $161,686,500 | 3,405 |
| Average equity | $24,288,500 | 2,777 |
| Average total loans | $107,675,000 | 3,341 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9190% | 1,775 |
| Cost of funding earning assets | 1.2558% | 446 |
| Net interest margin | 3.6632% | 3,813 |
| Noninterest income to average assets | 1.5835% | 629 |
| Noninterest expense to average assets | 5.0131% | 371 |
| Loan and lease loss provision to assets | 0.2912% | 2,344 |
| Net operating income to assets | -0.9882% | 6,742 |
| Return on assets (ROA) | -0.9915% | 6,759 |
| Pretax return on assets | -0.5082% | 6,576 |
| Return on Equity (ROE) | -7.3904% | 6,666 |
| Retained earnings to average equity (ytd only) | -7.3904% | 6,543 |
| Net charge-offs to loans | 1.1612% | 884 |
| Credit loss provision to net charge-offs | 38.5387% | 4,961 |
| Earnings coverage of net charge-offs (x) | -0.2830% | 5,611 |
| Efficiency ratio | 104.4542% | 435 |
| Assets per employee ($millions) | 2.9735% | 6,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8716% | 2,379 |
| Loan loss allowance to noncurrent loans | 47.1922% | 5,267 |
| Noncurrent assets plus other real estate owned to assets | 2.9465% | 1,610 |
| Noncurrent loans to loans | 3.9659% | 1,190 |
| Net loans and leases to total assets | 60.9462% | 3,428 |
| Net loans and leases to deposits | 78.0812% | 2,519 |
| Net loans and leases to core deposits | 81.0377% | 2,876 |
| Total domestic deposits to total assets | 78.0550% | 6,069 |
| Equity capital to assets | 13.1908% | 1,360 |
| Core capital (leverage) ratio | 13.0498% | 1,103 |
| Tier 1 risk-based capital ratio | 22.3674% | 1,204 |
| Total risk-based capital ratio | 23.6264% | 1,172 |
| Memoranda: |
| Average total assets | $184,776,800 | 3,247 |
| Average earning assets | $162,206,400 | 3,344 |
| Average equity | $24,788,800 | 2,678 |
| Average total loans | $120,219,400 | 3,069 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0164% | 1,660 |
| Cost of funding earning assets | 1.2838% | 472 |
| Net interest margin | 3.7327% | 3,646 |
| Noninterest income to average assets | 1.3695% | 793 |
| Noninterest expense to average assets | 5.0965% | 345 |
| Loan and lease loss provision to assets | 0.2618% | 2,480 |
| Net operating income to assets | -1.3507% | 6,936 |
| Return on assets (ROA) | -1.3507% | 6,954 |
| Pretax return on assets | -0.7219% | 6,784 |
| Return on Equity (ROE) | -10.0266% | 6,862 |
| Retained earnings to average equity (ytd only) | -10.0266% | 6,816 |
| Net charge-offs to loans | 1.0719% | 968 |
| Credit loss provision to net charge-offs | 37.1166% | 4,678 |
| Earnings coverage of net charge-offs (x) | -0.6524% | 5,530 |
| Efficiency ratio | 109.9238% | 311 |
| Assets per employee ($millions) | 3.0597% | 5,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9623% | 2,284 |
| Loan loss allowance to noncurrent loans | 51.0160% | 5,073 |
| Noncurrent assets plus other real estate owned to assets | 3.4859% | 1,440 |
| Noncurrent loans to loans | 3.8463% | 1,364 |
| Net loans and leases to total assets | 63.8443% | 3,051 |
| Net loans and leases to deposits | 81.6342% | 2,172 |
| Net loans and leases to core deposits | 85.4450% | 2,531 |
| Total domestic deposits to total assets | 78.2078% | 6,031 |
| Equity capital to assets | 13.0492% | 1,576 |
| Core capital (leverage) ratio | 12.8695% | 1,243 |
| Tier 1 risk-based capital ratio | 21.1607% | 1,489 |
| Total risk-based capital ratio | 22.4213% | 1,452 |
| Memoranda: |
| Average total assets | $184,882,000 | 3,273 |
| Average earning assets | $161,811,000 | 3,391 |
| Average equity | $24,906,500 | 2,697 |
| Average total loans | $121,649,000 | 3,082 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0789% | 1,568 |
| Cost of funding earning assets | 1.3114% | 500 |
| Net interest margin | 3.7674% | 3,504 |
| Noninterest income to average assets | 1.0201% | 1,402 |
| Noninterest expense to average assets | 5.1906% | 332 |
| Loan and lease loss provision to assets | 0.3939% | 1,668 |
| Net operating income to assets | -2.1476% | 7,087 |
| Return on assets (ROA) | -2.1476% | 7,096 |
| Pretax return on assets | -1.2816% | 6,966 |
| Return on Equity (ROE) | -15.7750% | 6,988 |
| Retained earnings to average equity (ytd only) | -15.7750% | 6,955 |
| Net charge-offs to loans | 1.5220% | 647 |
| Credit loss provision to net charge-offs | 39.2009% | 4,278 |
| Earnings coverage of net charge-offs (x) | -0.8834% | 5,290 |
| Efficiency ratio | 120.6305% | 225 |
| Assets per employee ($millions) | 3.0773% | 5,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0209% | 2,176 |
| Loan loss allowance to noncurrent loans | 63.9129% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 3.1781% | 1,714 |
| Noncurrent loans to loans | 3.1620% | 1,845 |
| Net loans and leases to total assets | 63.9899% | 3,033 |
| Net loans and leases to deposits | 81.8543% | 2,130 |
| Net loans and leases to core deposits | 84.4932% | 2,629 |
| Total domestic deposits to total assets | 78.1754% | 6,123 |
| Equity capital to assets | 12.9929% | 1,523 |
| Core capital (leverage) ratio | 12.9344% | 1,172 |
| Tier 1 risk-based capital ratio | 20.8006% | 1,522 |
| Total risk-based capital ratio | 22.0618% | 1,490 |
| Memoranda: |
| Average total assets | $184,296,000 | 3,293 |
| Average earning assets | $160,586,670 | 3,413 |
| Average equity | $25,090,330 | 2,660 |
| Average total loans | $121,684,000 | 3,101 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9771% | 1,967 |
| Cost of funding earning assets | 1.3460% | 527 |
| Net interest margin | 3.6311% | 4,123 |
| Noninterest income to average assets | 1.2774% | 867 |
| Noninterest expense to average assets | 5.8048% | 228 |
| Loan and lease loss provision to assets | 0.7886% | 630 |
| Net operating income to assets | -1.3317% | 7,060 |
| Return on assets (ROA) | -1.3317% | 7,075 |
| Pretax return on assets | -2.1746% | 7,150 |
| Return on Equity (ROE) | -9.5630% | 6,982 |
| Retained earnings to average equity (ytd only) | -9.5630% | 6,827 |
| Net charge-offs to loans | 0.2029% | 2,904 |
| Credit loss provision to net charge-offs | 585.4839% | 584 |
| Earnings coverage of net charge-offs (x) | -10.2903% | 4,691 |
| Efficiency ratio | 131.3668% | 160 |
| Assets per employee ($millions) | 3.2419% | 5,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7461% | 1,061 |
| Loan loss allowance to noncurrent loans | 56.9629% | 4,682 |
| Noncurrent assets plus other real estate owned to assets | 4.8853% | 1,079 |
| Noncurrent loans to loans | 4.8208% | 1,176 |
| Net loans and leases to total assets | 62.1742% | 3,225 |
| Net loans and leases to deposits | 79.8759% | 2,216 |
| Net loans and leases to core deposits | 82.7052% | 2,728 |
| Total domestic deposits to total assets | 77.8385% | 6,286 |
| Equity capital to assets | 13.4928% | 1,244 |
| Core capital (leverage) ratio | 13.3886% | 985 |
| Tier 1 risk-based capital ratio | 21.3879% | 1,399 |
| Total risk-based capital ratio | 22.6571% | 1,372 |
| Memoranda: |
| Average total assets | $184,124,000 | 3,317 |
| Average earning assets | $159,289,500 | 3,449 |
| Average equity | $25,640,500 | 2,606 |
| Average total loans | $122,232,000 | 3,099 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5159% | 1,131 |
| Cost of funding earning assets | 1.5187% | 664 |
| Net interest margin | 3.9972% | 2,894 |
| Noninterest income to average assets | 0.8927% | 1,697 |
| Noninterest expense to average assets | 3.8270% | 1,295 |
| Loan and lease loss provision to assets | 2.2960% | 219 |
| Net operating income to assets | -1.0866% | 6,780 |
| Return on assets (ROA) | -1.0852% | 6,804 |
| Pretax return on assets | -1.7480% | 6,957 |
| Return on Equity (ROE) | -7.3375% | 6,652 |
| Retained earnings to average equity (ytd only) | -7.3375% | 6,593 |
| Net charge-offs to loans | 1.2880% | 1,284 |
| Credit loss provision to net charge-offs | 242.2834% | 995 |
| Earnings coverage of net charge-offs (x) | 0.5760% | 5,399 |
| Efficiency ratio | 87.5171% | 1,397 |
| Assets per employee ($millions) | 3.1617% | 5,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4144% | 1,442 |
| Loan loss allowance to noncurrent loans | 72.0288% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 4.7909% | 1,132 |
| Noncurrent loans to loans | 3.3520% | 1,932 |
| Net loans and leases to total assets | 67.2835% | 2,520 |
| Net loans and leases to deposits | 87.8806% | 1,393 |
| Net loans and leases to core deposits | 92.6021% | 1,829 |
| Total domestic deposits to total assets | 76.5624% | 6,395 |
| Equity capital to assets | 14.3773% | 943 |
| Core capital (leverage) ratio | 14.3188% | 751 |
| Tier 1 risk-based capital ratio | 22.0537% | 1,231 |
| Total risk-based capital ratio | 23.3203% | 1,202 |
| Memoranda: |
| Average total assets | $183,928,600 | 3,275 |
| Average earning assets | $160,137,400 | 3,404 |
| Average equity | $27,202,800 | 2,384 |
| Average total loans | $135,327,800 | 2,891 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4858% | 1,282 |
| Cost of funding earning assets | 1.5488% | 721 |
| Net interest margin | 3.9369% | 3,199 |
| Noninterest income to average assets | 0.8374% | 1,889 |
| Noninterest expense to average assets | 3.7477% | 1,403 |
| Loan and lease loss provision to assets | 1.1879% | 661 |
| Net operating income to assets | -0.4021% | 6,585 |
| Return on assets (ROA) | -0.4003% | 6,633 |
| Pretax return on assets | -0.6578% | 6,714 |
| Return on Equity (ROE) | -2.6883% | 6,541 |
| Retained earnings to average equity (ytd only) | -2.6883% | 6,383 |
| Net charge-offs to loans | 0.3572% | 3,305 |
| Credit loss provision to net charge-offs | 445.1351% | 625 |
| Earnings coverage of net charge-offs (x) | 1.9757% | 4,170 |
| Efficiency ratio | 87.6666% | 1,374 |
| Assets per employee ($millions) | 3.5023% | 4,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3006% | 5,011 |
| Loan loss allowance to noncurrent loans | 29.4929% | 6,280 |
| Noncurrent assets plus other real estate owned to assets | 5.3245% | 1,064 |
| Noncurrent loans to loans | 4.4097% | 1,474 |
| Net loans and leases to total assets | 74.8824% | 1,161 |
| Net loans and leases to deposits | 98.9042% | 521 |
| Net loans and leases to core deposits | 104.0236% | 982 |
| Total domestic deposits to total assets | 75.7120% | 6,561 |
| Equity capital to assets | 15.0978% | 832 |
| Core capital (leverage) ratio | 15.0012% | 663 |
| Tier 1 risk-based capital ratio | 21.1677% | 1,425 |
| Total risk-based capital ratio | 22.4197% | 1,402 |
| Memoranda: |
| Average total assets | $184,857,000 | 3,279 |
| Average earning assets | $161,407,250 | 3,397 |
| Average equity | $27,526,000 | 2,358 |
| Average total loans | $138,096,000 | 2,854 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3673% | 1,661 |
| Cost of funding earning assets | 1.5930% | 712 |
| Net interest margin | 3.7742% | 3,914 |
| Noninterest income to average assets | 0.8064% | 1,991 |
| Noninterest expense to average assets | 3.6486% | 1,628 |
| Loan and lease loss provision to assets | 1.7732% | 380 |
| Net operating income to assets | -0.8005% | 6,872 |
| Return on assets (ROA) | -0.7978% | 6,880 |
| Pretax return on assets | -1.3156% | 7,001 |
| Return on Equity (ROE) | -5.3820% | 6,736 |
| Retained earnings to average equity (ytd only) | -5.3820% | 6,595 |
| Net charge-offs to loans | 0.5504% | 2,451 |
| Credit loss provision to net charge-offs | 433.4211% | 697 |
| Earnings coverage of net charge-offs (x) | 1.1079% | 4,447 |
| Efficiency ratio | 88.9501% | 1,325 |
| Assets per employee ($millions) | 3.3998% | 5,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2764% | 5,168 |
| Loan loss allowance to noncurrent loans | 25.6091% | 6,492 |
| Noncurrent assets plus other real estate owned to assets | 5.3397% | 1,126 |
| Noncurrent loans to loans | 4.9840% | 1,311 |
| Net loans and leases to total assets | 75.2881% | 1,186 |
| Net loans and leases to deposits | 100.5061% | 469 |
| Net loans and leases to core deposits | 106.1630% | 930 |
| Total domestic deposits to total assets | 74.9090% | 6,735 |
| Equity capital to assets | 14.8158% | 859 |
| Core capital (leverage) ratio | 14.7694% | 712 |
| Tier 1 risk-based capital ratio | 21.1878% | 1,385 |
| Total risk-based capital ratio | 22.4395% | 1,365 |
| Memoranda: |
| Average total assets | $185,769,670 | 3,290 |
| Average earning assets | $162,205,670 | 3,401 |
| Average equity | $27,536,000 | 2,345 |
| Average total loans | $138,070,670 | 2,886 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3151% | 1,819 |
| Cost of funding earning assets | 1.6445% | 690 |
| Net interest margin | 3.6706% | 4,245 |
| Noninterest income to average assets | 0.7214% | 2,440 |
| Noninterest expense to average assets | 3.9495% | 1,101 |
| Loan and lease loss provision to assets | 1.0725% | 693 |
| Net operating income to assets | -0.5801% | 6,858 |
| Return on assets (ROA) | -0.5801% | 6,859 |
| Pretax return on assets | -1.1088% | 7,029 |
| Return on Equity (ROE) | -3.9128% | 6,733 |
| Retained earnings to average equity (ytd only) | -3.9128% | 6,404 |
| Net charge-offs to loans | 0.1634% | 3,503 |
| Credit loss provision to net charge-offs | 894.6429% | 433 |
| Earnings coverage of net charge-offs (x) | -0.3036% | 4,731 |
| Efficiency ratio | 100.9300% | 708 |
| Assets per employee ($millions) | 3.3233% | 5,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6976% | 7,078 |
| Loan loss allowance to noncurrent loans | 11.4036% | 6,991 |
| Noncurrent assets plus other real estate owned to assets | 5.8925% | 997 |
| Noncurrent loans to loans | 6.1177% | 1,023 |
| Net loans and leases to total assets | 72.5879% | 1,593 |
| Net loans and leases to deposits | 95.0781% | 746 |
| Net loans and leases to core deposits | 103.5337% | 1,091 |
| Total domestic deposits to total assets | 76.3455% | 6,621 |
| Equity capital to assets | 14.5824% | 860 |
| Core capital (leverage) ratio | 14.5535% | 732 |
| Tier 1 risk-based capital ratio | 21.5281% | 1,309 |
| Total risk-based capital ratio | 22.2827% | 1,362 |
| Memoranda: |
| Average total assets | $186,860,500 | 3,287 |
| Average earning assets | $162,482,000 | 3,414 |
| Average equity | $27,704,000 | 2,321 |
| Average total loans | $137,102,500 | 2,944 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7077% | 1,541 |
| Cost of funding earning assets | 2.0479% | 510 |
| Net interest margin | 3.6599% | 4,532 |
| Noninterest income to average assets | 0.9746% | 1,589 |
| Noninterest expense to average assets | 3.5607% | 2,032 |
| Loan and lease loss provision to assets | 0.4710% | 3,309 |
| Net operating income to assets | 0.1099% | 5,564 |
| Return on assets (ROA) | 0.1230% | 5,676 |
| Pretax return on assets | 0.1914% | 5,506 |
| Return on Equity (ROE) | 0.7826% | 5,759 |
| Retained earnings to average equity (ytd only) | -2.7267% | 6,071 |
| Net charge-offs to loans | 0.6025% | 3,222 |
| Credit loss provision to net charge-offs | 98.6143% | 4,693 |
| Earnings coverage of net charge-offs (x) | 1.3441% | 4,760 |
| Efficiency ratio | 84.7244% | 1,833 |
| Assets per employee ($millions) | 3.0716% | 5,944 |
| Cash dividends to net income (ytd only)* | 448.4305% | 44 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3831% | 7,434 |
| Loan loss allowance to noncurrent loans | 7.6313% | 7,107 |
| Noncurrent assets plus other real estate owned to assets | 4.9747% | 1,293 |
| Noncurrent loans to loans | 5.0200% | 1,336 |
| Net loans and leases to total assets | 73.3708% | 1,794 |
| Net loans and leases to deposits | 97.0613% | 781 |
| Net loans and leases to core deposits | 106.5019% | 1,156 |
| Total domestic deposits to total assets | 75.5923% | 6,681 |
| Equity capital to assets | 15.0765% | 766 |
| Core capital (leverage) ratio | 15.0926% | 648 |
| Tier 1 risk-based capital ratio | 22.4690% | 1,110 |
| Total risk-based capital ratio | 22.8890% | 1,202 |
| Memoranda: |
| Average total assets | $181,313,800 | 3,355 |
| Average earning assets | $159,923,000 | 3,455 |
| Average equity | $28,495,600 | 2,284 |
| Average total loans | $143,723,200 | 2,872 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7971% | 1,404 |
| Cost of funding earning assets | 2.0774% | 583 |
| Net interest margin | 3.7198% | 4,306 |
| Noninterest income to average assets | 0.8669% | 1,924 |
| Noninterest expense to average assets | 3.5000% | 2,032 |
| Loan and lease loss provision to assets | 0.5176% | 2,866 |
| Net operating income to assets | 0.0916% | 5,797 |
| Return on assets (ROA) | 0.0916% | 5,937 |
| Pretax return on assets | 0.1521% | 5,830 |
| Return on Equity (ROE) | 0.5766% | 5,997 |
| Retained earnings to average equity (ytd only) | 0.5766% | 5,569 |
| Net charge-offs to loans | 0.6432% | 2,824 |
| Credit loss provision to net charge-offs | 99.7155% | 4,378 |
| Earnings coverage of net charge-offs (x) | 1.2902% | 4,788 |
| Efficiency ratio | 83.9384% | 1,847 |
| Assets per employee ($millions) | 3.6432% | 4,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3740% | 7,552 |
| Loan loss allowance to noncurrent loans | 6.9636% | 7,213 |
| Noncurrent assets plus other real estate owned to assets | 5.1577% | 1,233 |
| Noncurrent loans to loans | 5.3715% | 1,257 |
| Net loans and leases to total assets | 74.5140% | 1,688 |
| Net loans and leases to deposits | 100.8271% | 597 |
| Net loans and leases to core deposits | 109.7110% | 1,051 |
| Total domestic deposits to total assets | 73.9027% | 6,925 |
| Equity capital to assets | 15.1416% | 857 |
| Core capital (leverage) ratio | 15.1537% | 685 |
| Tier 1 risk-based capital ratio | 22.6006% | 1,118 |
| Total risk-based capital ratio | 23.0178% | 1,220 |
| Memoranda: |
| Average total assets | $180,568,750 | 3,414 |
| Average earning assets | $160,328,250 | 3,491 |
| Average equity | $28,673,250 | 2,296 |
| Average total loans | $145,719,500 | 2,882 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9233% | 1,131 |
| Cost of funding earning assets | 2.1135% | 629 |
| Net interest margin | 3.8098% | 3,854 |
| Noninterest income to average assets | 0.7477% | 2,409 |
| Noninterest expense to average assets | 3.6834% | 1,585 |
| Loan and lease loss provision to assets | 0.4561% | 3,040 |
| Net operating income to assets | -0.0191% | 6,106 |
| Return on assets (ROA) | -0.0191% | 6,200 |
| Pretax return on assets | -0.0079% | 6,163 |
| Return on Equity (ROE) | -0.1186% | 6,199 |
| Retained earnings to average equity (ytd only) | -0.1186% | 5,759 |
| Net charge-offs to loans | 0.5290% | 2,949 |
| Credit loss provision to net charge-offs | 104.1131% | 3,916 |
| Earnings coverage of net charge-offs (x) | 1.0231% | 4,765 |
| Efficiency ratio | 89.1524% | 1,402 |
| Assets per employee ($millions) | 3.2343% | 5,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3811% | 7,606 |
| Loan loss allowance to noncurrent loans | 8.5772% | 7,279 |
| Noncurrent assets plus other real estate owned to assets | 3.6048% | 1,947 |
| Noncurrent loans to loans | 4.4431% | 1,641 |
| Net loans and leases to total assets | 79.0898% | 938 |
| Net loans and leases to deposits | 106.1922% | 385 |
| Net loans and leases to core deposits | 111.8923% | 1,039 |
| Total domestic deposits to total assets | 74.4780% | 6,913 |
| Equity capital to assets | 15.7960% | 708 |
| Core capital (leverage) ratio | 15.7746% | 597 |
| Tier 1 risk-based capital ratio | 23.1332% | 1,047 |
| Total risk-based capital ratio | 23.5771% | 1,129 |
| Memoranda: |
| Average total assets | $177,610,000 | 3,473 |
| Average earning assets | $157,749,670 | 3,559 |
| Average equity | $28,669,330 | 2,290 |
| Average total loans | $147,061,670 | 2,883 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0517% | 882 |
| Cost of funding earning assets | 2.1377% | 720 |
| Net interest margin | 3.9140% | 3,263 |
| Noninterest income to average assets | 0.6983% | 2,611 |
| Noninterest expense to average assets | 3.2572% | 2,684 |
| Loan and lease loss provision to assets | 0.1729% | 4,793 |
| Net operating income to assets | 0.4981% | 4,396 |
| Return on assets (ROA) | 0.4981% | 4,536 |
| Pretax return on assets | 0.7665% | 4,000 |
| Return on Equity (ROE) | 3.0524% | 5,317 |
| Retained earnings to average equity (ytd only) | 3.0524% | 4,305 |
| Net charge-offs to loans | -0.3013% | 7,744 |
| Credit loss provision to net charge-offs | -67.8571% | 6,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6152% | 2,959 |
| Assets per employee ($millions) | 3.4064% | 5,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4876% | 7,597 |
| Loan loss allowance to noncurrent loans | 9.7022% | 7,341 |
| Noncurrent assets plus other real estate owned to assets | 4.3363% | 1,569 |
| Noncurrent loans to loans | 5.0257% | 1,437 |
| Net loans and leases to total assets | 82.9546% | 475 |
| Net loans and leases to deposits | 112.5167% | 243 |
| Net loans and leases to core deposits | 118.0383% | 865 |
| Total domestic deposits to total assets | 73.7265% | 7,081 |
| Equity capital to assets | 16.2607% | 637 |
| Core capital (leverage) ratio | 16.2557% | 541 |
| Tier 1 risk-based capital ratio | 22.9295% | 1,088 |
| Total risk-based capital ratio | 23.5029% | 1,148 |
| Memoranda: |
| Average total assets | $175,854,000 | 3,561 |
| Average earning assets | $157,178,500 | 3,624 |
| Average equity | $28,699,000 | 2,315 |
| Average total loans | $148,694,000 | 2,920 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1405% | 1,403 |
| Cost of funding earning assets | 2.3776% | 1,370 |
| Net interest margin | 3.7629% | 3,862 |
| Noninterest income to average assets | 0.5993% | 3,639 |
| Noninterest expense to average assets | 3.1330% | 3,605 |
| Loan and lease loss provision to assets | 0.3056% | 4,990 |
| Net operating income to assets | 0.3715% | 4,243 |
| Return on assets (ROA) | 0.3719% | 4,343 |
| Pretax return on assets | 0.6378% | 3,783 |
| Return on Equity (ROE) | 2.2004% | 4,832 |
| Retained earnings to average equity (ytd only) | -1.3034% | 5,349 |
| Net charge-offs to loans | 0.3272% | 4,600 |
| Credit loss provision to net charge-offs | 107.2765% | 5,163 |
| Earnings coverage of net charge-offs (x) | 3.3098% | 3,409 |
| Efficiency ratio | 76.8672% | 3,378 |
| Assets per employee ($millions) | 3.3572% | 5,351 |
| Cash dividends to net income (ytd only)* | 159.2357% | 264 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3553% | 7,789 |
| Loan loss allowance to noncurrent loans | 6.5212% | 7,412 |
| Noncurrent assets plus other real estate owned to assets | 4.7103% | 1,345 |
| Noncurrent loans to loans | 5.4485% | 1,196 |
| Net loans and leases to total assets | 85.4624% | 309 |
| Net loans and leases to deposits | 118.8358% | 189 |
| Net loans and leases to core deposits | 154.3098% | 423 |
| Total domestic deposits to total assets | 71.9164% | 7,252 |
| Equity capital to assets | 16.3798% | 644 |
| Core capital (leverage) ratio | 16.3646% | 565 |
| Tier 1 risk-based capital ratio | 22.6844% | 1,075 |
| Total risk-based capital ratio | 23.1070% | 1,145 |
| Memoranda: |
| Average total assets | $168,850,400 | 3,633 |
| Average earning assets | $155,996,400 | 3,595 |
| Average equity | $28,540,400 | 2,329 |
| Average total loans | $147,005,600 | 2,967 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1605% | 1,473 |
| Cost of funding earning assets | 2.4089% | 1,606 |
| Net interest margin | 3.7517% | 3,859 |
| Noninterest income to average assets | 0.5622% | 3,995 |
| Noninterest expense to average assets | 3.1736% | 3,388 |
| Loan and lease loss provision to assets | 0.3902% | 3,975 |
| Net operating income to assets | 0.2742% | 4,887 |
| Return on assets (ROA) | 0.2748% | 4,992 |
| Pretax return on assets | 0.4858% | 4,561 |
| Return on Equity (ROE) | 1.6125% | 5,296 |
| Retained earnings to average equity (ytd only) | -3.0614% | 5,945 |
| Net charge-offs to loans | 0.4365% | 3,495 |
| Credit loss provision to net charge-offs | 102.2965% | 4,971 |
| Earnings coverage of net charge-offs (x) | 2.2944% | 4,106 |
| Efficiency ratio | 78.3832% | 3,106 |
| Assets per employee ($millions) | 3.5848% | 4,724 |
| Cash dividends to net income (ytd only)* | 289.8541% | 119 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3273% | 7,888 |
| Loan loss allowance to noncurrent loans | 9.2723% | 7,464 |
| Noncurrent assets plus other real estate owned to assets | 3.0586% | 2,252 |
| Noncurrent loans to loans | 3.5301% | 2,121 |
| Net loans and leases to total assets | 86.3619% | 322 |
| Net loans and leases to deposits | 120.7320% | 186 |
| Net loans and leases to core deposits | 158.3055% | 411 |
| Total domestic deposits to total assets | 71.5319% | 7,276 |
| Equity capital to assets | 16.4468% | 716 |
| Core capital (leverage) ratio | 16.4297% | 620 |
| Tier 1 risk-based capital ratio | 23.7393% | 1,029 |
| Total risk-based capital ratio | 24.1493% | 1,090 |
| Memoranda: |
| Average total assets | $167,419,250 | 3,672 |
| Average earning assets | $155,588,250 | 3,625 |
| Average equity | $28,526,750 | 2,356 |
| Average total loans | $146,325,000 | 3,009 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2135% | 1,413 |
| Cost of funding earning assets | 2.4446% | 1,798 |
| Net interest margin | 3.7689% | 3,684 |
| Noninterest income to average assets | 0.5076% | 4,380 |
| Noninterest expense to average assets | 3.1941% | 3,352 |
| Loan and lease loss provision to assets | 0.5462% | 2,835 |
| Net operating income to assets | 0.1331% | 5,468 |
| Return on assets (ROA) | 0.1338% | 5,571 |
| Pretax return on assets | 0.2653% | 5,283 |
| Return on Equity (ROE) | 0.7762% | 5,703 |
| Retained earnings to average equity (ytd only) | -6.2163% | 6,478 |
| Net charge-offs to loans | 0.6547% | 2,398 |
| Credit loss provision to net charge-offs | 95.1681% | 4,769 |
| Earnings coverage of net charge-offs (x) | 1.4118% | 4,469 |
| Efficiency ratio | 79.7651% | 3,083 |
| Assets per employee ($millions) | 3.7765% | 4,159 |
| Cash dividends to net income (ytd only)* | 900.9009% | 41 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3057% | 7,986 |
| Loan loss allowance to noncurrent loans | 9.1413% | 7,507 |
| Noncurrent assets plus other real estate owned to assets | 3.0728% | 2,049 |
| Noncurrent loans to loans | 3.3445% | 2,107 |
| Net loans and leases to total assets | 85.3862% | 453 |
| Net loans and leases to deposits | 120.1167% | 232 |
| Net loans and leases to core deposits | 157.3214% | 491 |
| Total domestic deposits to total assets | 71.0860% | 7,354 |
| Equity capital to assets | 16.4656% | 758 |
| Core capital (leverage) ratio | 16.4635% | 683 |
| Tier 1 risk-based capital ratio | 24.0482% | 1,031 |
| Total risk-based capital ratio | 24.4307% | 1,098 |
| Memoranda: |
| Average total assets | $165,869,000 | 3,707 |
| Average earning assets | $153,891,670 | 3,667 |
| Average equity | $28,602,330 | 2,366 |
| Average total loans | $145,403,000 | 3,064 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3042% | 1,287 |
| Cost of funding earning assets | 2.4695% | 2,028 |
| Net interest margin | 3.8347% | 3,319 |
| Noninterest income to average assets | 0.4444% | 4,843 |
| Noninterest expense to average assets | 3.1203% | 3,302 |
| Loan and lease loss provision to assets | 0.2197% | 4,256 |
| Net operating income to assets | 0.3866% | 4,906 |
| Return on assets (ROA) | 0.3882% | 5,079 |
| Pretax return on assets | 0.6592% | 4,560 |
| Return on Equity (ROE) | 2.1997% | 5,704 |
| Retained earnings to average equity (ytd only) | 2.1997% | 4,649 |
| Net charge-offs to loans | 0.0303% | 5,099 |
| Credit loss provision to net charge-offs | 818.1818% | 734 |
| Earnings coverage of net charge-offs (x) | 32.6364% | 999 |
| Efficiency ratio | 78.0696% | 3,154 |
| Assets per employee ($millions) | 3.9437% | 3,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3770% | 7,973 |
| Loan loss allowance to noncurrent loans | 19.9489% | 7,173 |
| Noncurrent assets plus other real estate owned to assets | 1.7098% | 3,353 |
| Noncurrent loans to loans | 1.8901% | 3,429 |
| Net loans and leases to total assets | 87.2568% | 321 |
| Net loans and leases to deposits | 126.4896% | 185 |
| Net loans and leases to core deposits | 164.5793% | 427 |
| Total domestic deposits to total assets | 68.9834% | 7,520 |
| Equity capital to assets | 17.5109% | 669 |
| Core capital (leverage) ratio | 17.3111% | 620 |
| Tier 1 risk-based capital ratio | 25.4771% | 934 |
| Total risk-based capital ratio | 25.9635% | 985 |
| Memoranda: |
| Average total assets | $163,832,500 | 3,766 |
| Average earning assets | $151,772,500 | 3,713 |
| Average equity | $28,912,500 | 2,353 |
| Average total loans | $145,328,500 | 3,084 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3724% | 3,561 |
| Cost of funding earning assets | 2.7422% | 2,966 |
| Net interest margin | 3.6303% | 4,752 |
| Noninterest income to average assets | 0.4243% | 5,267 |
| Noninterest expense to average assets | 3.3255% | 2,880 |
| Loan and lease loss provision to assets | 0.1262% | 5,752 |
| Net operating income to assets | 0.2135% | 5,809 |
| Return on assets (ROA) | 0.4660% | 4,704 |
| Pretax return on assets | 0.7343% | 4,291 |
| Return on Equity (ROE) | 2.3589% | 5,474 |
| Retained earnings to average equity (ytd only) | -1.1514% | 5,643 |
| Net charge-offs to loans | 0.0136% | 6,711 |
| Credit loss provision to net charge-offs | 1,070.5882% | 417 |
| Earnings coverage of net charge-offs (x) | 39.5294% | 944 |
| Efficiency ratio | 87.7103% | 1,700 |
| Assets per employee ($millions) | 3.6007% | 4,411 |
| Cash dividends to net income (ytd only)* | 148.8095% | 480 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3215% | 8,069 |
| Loan loss allowance to noncurrent loans | 19.8980% | 7,246 |
| Noncurrent assets plus other real estate owned to assets | 1.5435% | 3,135 |
| Noncurrent loans to loans | 1.6156% | 3,346 |
| Net loans and leases to total assets | 89.5600% | 227 |
| Net loans and leases to deposits | 134.9242% | 152 |
| Net loans and leases to core deposits | 174.7047% | 340 |
| Total domestic deposits to total assets | 66.3780% | 7,633 |
| Equity capital to assets | 17.7873% | 677 |
| Core capital (leverage) ratio | 17.5793% | 643 |
| Tier 1 risk-based capital ratio | 25.6582% | 933 |
| Total risk-based capital ratio | 26.0801% | 981 |
| Memoranda: |
| Average total assets | $144,221,000 | 4,001 |
| Average earning assets | $133,763,400 | 3,977 |
| Average equity | $28,487,800 | 2,374 |
| Average total loans | $125,341,600 | 3,340 |
