| 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 | 4.8239% | 2,429 |
| Cost of funding earning assets | 1.6158% | 1,649 |
| Net interest margin | 3.2081% | 2,858 |
| Noninterest income to average assets | 0.5000% | 1,995 |
| Noninterest expense to average assets | 2.0581% | 3,501 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.0466% | 2,074 |
| Return on assets (ROA) | 1.0531% | 2,023 |
| Pretax return on assets | 1.3953% | 1,647 |
| Return on Equity (ROE) | 11.2600% | 2,156 |
| Retained earnings to average equity (ytd only) | 8.0940% | 1,510 |
| Net charge-offs to loans | -0.0004% | 3,540 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 59.2400% | 3,163 |
| Assets per employee ($millions) | 8.0486% | 1,408 |
| Cash dividends to net income (ytd only)* | 28.1431% | 2,625 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2294% | 2,118 |
| Loan loss allowance to noncurrent loans | 728.1984% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.1405% | 2,581 |
| Noncurrent loans to loans | 0.1688% | 2,675 |
| Net loans and leases to total assets | 82.2300% | 409 |
| Net loans and leases to deposits | 101.7428% | 449 |
| Net loans and leases to core deposits | 130.7820% | 387 |
| Total domestic deposits to total assets | 80.8200% | 3,340 |
| Equity capital to assets | 9.5403% | 2,321 |
| Core capital (leverage) ratio | 9.8050% | 2,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5069% | 2,409 |
| Memoranda: |
| Average total assets | $1,855,719,600 | 608 |
| Average earning assets | $1,718,501,400 | 604 |
| Average equity | $173,499,000 | 605 |
| Average total loans | $1,520,536,600 | 510 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7212% | 2,431 |
| Cost of funding earning assets | 1.4023% | 1,860 |
| Net interest margin | 3.3189% | 2,641 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 2.0965% | 3,364 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.0981% | 2,064 |
| Return on assets (ROA) | 1.0998% | 2,039 |
| Pretax return on assets | 1.4570% | 1,657 |
| Return on Equity (ROE) | 11.8300% | 2,170 |
| Retained earnings to average equity (ytd only) | 8.3253% | 1,859 |
| Net charge-offs to loans | -0.0008% | 3,463 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.3923% | 3,156 |
| Assets per employee ($millions) | 7.5239% | 1,615 |
| Cash dividends to net income (ytd only)* | 29.6033% | 2,084 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2325% | 2,201 |
| Loan loss allowance to noncurrent loans | 865.5142% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.1190% | 2,773 |
| Noncurrent loans to loans | 0.1424% | 2,838 |
| Net loans and leases to total assets | 82.5300% | 398 |
| Net loans and leases to deposits | 104.1792% | 350 |
| Net loans and leases to core deposits | 130.6750% | 336 |
| Total domestic deposits to total assets | 79.2200% | 3,652 |
| Equity capital to assets | 9.2583% | 2,250 |
| Core capital (leverage) ratio | 9.7536% | 3,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3752% | 2,487 |
| Memoranda: |
| Average total assets | $1,842,768,500 | 614 |
| Average earning assets | $1,704,756,750 | 606 |
| Average equity | $171,377,750 | 608 |
| Average total loans | $1,503,667,500 | 515 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5933% | 2,427 |
| Cost of funding earning assets | 1.1409% | 2,164 |
| Net interest margin | 3.4524% | 2,381 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 2.1302% | 3,268 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.1790% | 1,884 |
| Return on assets (ROA) | 1.1798% | 1,875 |
| Pretax return on assets | 1.5589% | 1,480 |
| Return on Equity (ROE) | 12.6700% | 1,972 |
| Retained earnings to average equity (ytd only) | 12.6666% | 861 |
| Net charge-offs to loans | -0.0015% | 3,495 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.8462% | 3,318 |
| Assets per employee ($millions) | 7.4073% | 1,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2631% | 2,113 |
| Loan loss allowance to noncurrent loans | 915.6177% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.1127% | 2,743 |
| Noncurrent loans to loans | 0.1379% | 2,781 |
| Net loans and leases to total assets | 80.6500% | 564 |
| Net loans and leases to deposits | 104.1610% | 363 |
| Net loans and leases to core deposits | 120.0676% | 509 |
| Total domestic deposits to total assets | 77.4300% | 3,904 |
| Equity capital to assets | 9.0736% | 2,465 |
| Core capital (leverage) ratio | 9.8685% | 2,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4282% | 2,491 |
| Memoranda: |
| Average total assets | $1,825,016,667 | 608 |
| Average earning assets | $1,686,596,667 | 603 |
| Average equity | $169,990,667 | 606 |
| Average total loans | $1,476,810,667 | 507 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5104% | 2,293 |
| Cost of funding earning assets | 0.9128% | 2,326 |
| Net interest margin | 3.5976% | 2,137 |
| Noninterest income to average assets | 0.5700% | 1,541 |
| Noninterest expense to average assets | 2.1728% | 3,178 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.2721% | 1,747 |
| Return on assets (ROA) | 1.2889% | 1,678 |
| Pretax return on assets | 1.6829% | 1,306 |
| Return on Equity (ROE) | 13.6500% | 1,845 |
| Retained earnings to average equity (ytd only) | 13.6497% | 985 |
| Net charge-offs to loans | -0.0031% | 3,517 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.7215% | 3,432 |
| Assets per employee ($millions) | 7.2145% | 1,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3092% | 1,985 |
| Loan loss allowance to noncurrent loans | 1,027.0127% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.1030% | 2,802 |
| Noncurrent loans to loans | 0.1275% | 2,875 |
| Net loans and leases to total assets | 79.7600% | 563 |
| Net loans and leases to deposits | 98.1140% | 532 |
| Net loans and leases to core deposits | 113.0359% | 612 |
| Total domestic deposits to total assets | 81.3000% | 3,591 |
| Equity capital to assets | 9.2955% | 2,299 |
| Core capital (leverage) ratio | 10.0645% | 2,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7013% | 2,496 |
| Memoranda: |
| Average total assets | $1,785,682,000 | 633 |
| Average earning assets | $1,651,121,000 | 620 |
| Average equity | $168,619,500 | 618 |
| Average total loans | $1,437,735,500 | 530 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7313% | 2,452 |
| Cost of funding earning assets | 0.3257% | 2,676 |
| Net interest margin | 3.4057% | 2,238 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 2.0780% | 3,356 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.1290% | 2,059 |
| Return on assets (ROA) | 1.1027% | 2,096 |
| Pretax return on assets | 1.4883% | 1,490 |
| Return on Equity (ROE) | 11.7500% | 2,231 |
| Retained earnings to average equity (ytd only) | 11.7485% | 725 |
| Net charge-offs to loans | -0.0022% | 3,467 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 57.1947% | 3,441 |
| Assets per employee ($millions) | 6.6369% | 2,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3689% | 1,607 |
| Loan loss allowance to noncurrent loans | 862.5847% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.1273% | 2,634 |
| Noncurrent loans to loans | 0.1587% | 2,703 |
| Net loans and leases to total assets | 79.0900% | 686 |
| Net loans and leases to deposits | 95.3313% | 690 |
| Net loans and leases to core deposits | 107.7957% | 681 |
| Total domestic deposits to total assets | 82.9700% | 3,425 |
| Equity capital to assets | 9.5981% | 1,936 |
| Core capital (leverage) ratio | 10.2149% | 2,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9984% | 2,379 |
| Memoranda: |
| Average total assets | $1,714,638,400 | 633 |
| Average earning assets | $1,590,558,400 | 623 |
| Average equity | $160,930,800 | 642 |
| Average total loans | $1,304,706,400 | 538 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5437% | 2,482 |
| Cost of funding earning assets | 0.2919% | 2,256 |
| Net interest margin | 3.2518% | 2,452 |
| Noninterest income to average assets | 0.4900% | 2,220 |
| Noninterest expense to average assets | 1.9193% | 3,703 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.1602% | 1,854 |
| Return on assets (ROA) | 1.1421% | 1,891 |
| Pretax return on assets | 1.5435% | 1,291 |
| Return on Equity (ROE) | 12.2400% | 1,957 |
| Retained earnings to average equity (ytd only) | 12.2393% | 740 |
| Net charge-offs to loans | -0.0100% | 3,715 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 54.7870% | 3,745 |
| Assets per employee ($millions) | 8.5949% | 1,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4455% | 1,464 |
| Loan loss allowance to noncurrent loans | 272.0775% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 0.4062% | 1,339 |
| Noncurrent loans to loans | 0.5313% | 1,475 |
| Net loans and leases to total assets | 75.3400% | 981 |
| Net loans and leases to deposits | 87.0188% | 1,102 |
| Net loans and leases to core deposits | 98.5310% | 881 |
| Total domestic deposits to total assets | 86.5800% | 2,894 |
| Equity capital to assets | 9.6228% | 1,813 |
| Core capital (leverage) ratio | 9.8843% | 2,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3063% | 2,354 |
| Memoranda: |
| Average total assets | $1,708,580,750 | 639 |
| Average earning assets | $1,585,784,750 | 627 |
| Average equity | $159,438,750 | 658 |
| Average total loans | $1,282,273,250 | 542 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3768% | 2,500 |
| Cost of funding earning assets | 0.2849% | 1,851 |
| Net interest margin | 3.0920% | 2,558 |
| Noninterest income to average assets | 0.5014% | 2,195 |
| Noninterest expense to average assets | 1.8910% | 3,726 |
| Loan and lease loss provision to assets | 0.0117% | 2,385 |
| Net operating income to assets | 1.0890% | 1,815 |
| Return on assets (ROA) | 1.0663% | 1,887 |
| Pretax return on assets | 1.4373% | 1,338 |
| Return on Equity (ROE) | 11.5457% | 1,818 |
| Retained earnings to average equity (ytd only) | 11.5457% | 687 |
| Net charge-offs to loans | -0.0158% | 3,782 |
| Credit loss provision to net charge-offs | -99.0099% | 3,103 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1335% | 3,758 |
| Assets per employee ($millions) | 8.8002% | 956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4754% | 1,472 |
| Loan loss allowance to noncurrent loans | 266.7142% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 0.4001% | 1,406 |
| Noncurrent loans to loans | 0.5532% | 1,510 |
| Net loans and leases to total assets | 71.2521% | 1,179 |
| Net loans and leases to deposits | 82.2785% | 1,230 |
| Net loans and leases to core deposits | 94.1780% | 903 |
| Total domestic deposits to total assets | 86.5988% | 3,080 |
| Equity capital to assets | 9.1810% | 2,250 |
| Core capital (leverage) ratio | 9.5488% | 2,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1840% | 2,419 |
| Memoranda: |
| Average total assets | $1,710,841,333 | 632 |
| Average earning assets | $1,586,570,000 | 627 |
| Average equity | $157,998,333 | 668 |
| Average total loans | $1,276,032,333 | 536 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3618% | 2,203 |
| Cost of funding earning assets | 0.2985% | 1,674 |
| Net interest margin | 3.0633% | 2,285 |
| Noninterest income to average assets | 0.4782% | 2,255 |
| Noninterest expense to average assets | 1.9124% | 3,655 |
| Loan and lease loss provision to assets | 0.0237% | 1,933 |
| Net operating income to assets | 1.0148% | 1,814 |
| Return on assets (ROA) | 0.9876% | 1,923 |
| Pretax return on assets | 1.3462% | 1,391 |
| Return on Equity (ROE) | 10.6611% | 1,742 |
| Retained earnings to average equity (ytd only) | 10.6611% | 857 |
| Net charge-offs to loans | 0.0050% | 1,579 |
| Credit loss provision to net charge-offs | 625.0000% | 457 |
| Earnings coverage of net charge-offs (x) | 371.0000% | 269 |
| Efficiency ratio | 57.6575% | 3,718 |
| Assets per employee ($millions) | 8.6779% | 1,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4396% | 1,763 |
| Loan loss allowance to noncurrent loans | 950.3071% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.1155% | 3,003 |
| Noncurrent loans to loans | 0.1515% | 3,045 |
| Net loans and leases to total assets | 75.1265% | 569 |
| Net loans and leases to deposits | 86.8107% | 686 |
| Net loans and leases to core deposits | 99.1023% | 539 |
| Total domestic deposits to total assets | 86.5405% | 3,091 |
| Equity capital to assets | 9.3007% | 2,440 |
| Core capital (leverage) ratio | 9.4823% | 2,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8353% | 2,663 |
| Memoranda: |
| Average total assets | $1,690,647,000 | 640 |
| Average earning assets | $1,566,681,000 | 637 |
| Average equity | $156,607,000 | 691 |
| Average total loans | $1,280,811,000 | 531 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4161% | 2,895 |
| Cost of funding earning assets | 0.3796% | 1,688 |
| Net interest margin | 3.0365% | 3,085 |
| Noninterest income to average assets | 0.5877% | 2,214 |
| Noninterest expense to average assets | 1.9706% | 3,766 |
| Loan and lease loss provision to assets | 0.2138% | 486 |
| Net operating income to assets | 0.9031% | 3,031 |
| Return on assets (ROA) | 0.9014% | 3,102 |
| Pretax return on assets | 1.2143% | 2,616 |
| Return on Equity (ROE) | 9.8361% | 2,588 |
| Retained earnings to average equity (ytd only) | 9.8361% | 960 |
| Net charge-offs to loans | -0.0018% | 3,346 |
| Credit loss provision to net charge-offs | -15,904.5455% | 4,257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9435% | 3,456 |
| Assets per employee ($millions) | 8.5308% | 1,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4535% | 1,720 |
| Loan loss allowance to noncurrent loans | 626.6102% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.1746% | 2,713 |
| Noncurrent loans to loans | 0.2320% | 2,798 |
| Net loans and leases to total assets | 74.1982% | 649 |
| Net loans and leases to deposits | 87.2539% | 695 |
| Net loans and leases to core deposits | 99.2214% | 573 |
| Total domestic deposits to total assets | 85.0371% | 3,256 |
| Equity capital to assets | 9.2255% | 3,392 |
| Core capital (leverage) ratio | 9.2131% | 3,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8514% | 2,687 |
| Memoranda: |
| Average total assets | $1,636,869,400 | 635 |
| Average earning assets | $1,516,462,200 | 631 |
| Average equity | $149,997,800 | 712 |
| Average total loans | $1,213,995,200 | 557 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4207% | 3,046 |
| Cost of funding earning assets | 0.3922% | 1,761 |
| Net interest margin | 3.0285% | 3,237 |
| Noninterest income to average assets | 0.5993% | 2,218 |
| Noninterest expense to average assets | 1.9631% | 3,783 |
| Loan and lease loss provision to assets | 0.1301% | 891 |
| Net operating income to assets | 0.9721% | 3,013 |
| Return on assets (ROA) | 0.9714% | 3,094 |
| Pretax return on assets | 1.3090% | 2,604 |
| Return on Equity (ROE) | 10.6186% | 2,514 |
| Retained earnings to average equity (ytd only) | 10.6186% | 1,143 |
| Net charge-offs to loans | 0.0023% | 2,291 |
| Credit loss provision to net charge-offs | 7,547.6190% | 101 |
| Earnings coverage of net charge-offs (x) | 835.1905% | 195 |
| Efficiency ratio | 57.6833% | 3,319 |
| Assets per employee ($millions) | 8.6774% | 994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3650% | 2,158 |
| Loan loss allowance to noncurrent loans | 357.9814% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.2757% | 2,403 |
| Noncurrent loans to loans | 0.3813% | 2,416 |
| Net loans and leases to total assets | 71.3131% | 949 |
| Net loans and leases to deposits | 83.9493% | 966 |
| Net loans and leases to core deposits | 95.3099% | 778 |
| Total domestic deposits to total assets | 84.9479% | 3,134 |
| Equity capital to assets | 9.1778% | 3,676 |
| Core capital (leverage) ratio | 9.2322% | 3,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $1,623,811,500 | 650 |
| Average earning assets | $1,503,358,000 | 641 |
| Average equity | $148,540,250 | 728 |
| Average total loans | $1,199,552,000 | 577 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4222% | 3,108 |
| Cost of funding earning assets | 0.4115% | 1,787 |
| Net interest margin | 3.0107% | 3,293 |
| Noninterest income to average assets | 0.6296% | 2,083 |
| Noninterest expense to average assets | 1.9795% | 3,762 |
| Loan and lease loss provision to assets | 0.0635% | 1,769 |
| Net operating income to assets | 1.0208% | 2,823 |
| Return on assets (ROA) | 1.0213% | 2,897 |
| Pretax return on assets | 1.3755% | 2,403 |
| Return on Equity (ROE) | 11.1770% | 2,360 |
| Retained earnings to average equity (ytd only) | 11.1770% | 1,082 |
| Net charge-offs to loans | -0.0005% | 3,043 |
| Credit loss provision to net charge-offs | -17,000.0000% | 4,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9170% | 3,296 |
| Assets per employee ($millions) | 8.3340% | 1,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2975% | 2,450 |
| Loan loss allowance to noncurrent loans | 319.5746% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.2935% | 2,456 |
| Noncurrent loans to loans | 0.4060% | 2,463 |
| Net loans and leases to total assets | 71.3478% | 1,036 |
| Net loans and leases to deposits | 84.0936% | 1,062 |
| Net loans and leases to core deposits | 95.1871% | 844 |
| Total domestic deposits to total assets | 84.8433% | 3,164 |
| Equity capital to assets | 9.1204% | 3,686 |
| Core capital (leverage) ratio | 9.1186% | 3,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $1,606,837,333 | 646 |
| Average earning assets | $1,488,147,667 | 643 |
| Average equity | $146,819,333 | 732 |
| Average total loans | $1,195,791,667 | 579 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4911% | 2,954 |
| Cost of funding earning assets | 0.4475% | 1,741 |
| Net interest margin | 3.0436% | 3,154 |
| Noninterest income to average assets | 0.6298% | 2,092 |
| Noninterest expense to average assets | 1.9894% | 3,752 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0848% | 2,526 |
| Return on assets (ROA) | 1.0830% | 2,611 |
| Pretax return on assets | 1.4580% | 2,112 |
| Return on Equity (ROE) | 11.8416% | 2,075 |
| Retained earnings to average equity (ytd only) | 11.8416% | 1,191 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6695% | 3,351 |
| Assets per employee ($millions) | 8.0473% | 1,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2459% | 2,686 |
| Loan loss allowance to noncurrent loans | 314.5019% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.2956% | 2,665 |
| Noncurrent loans to loans | 0.3961% | 2,685 |
| Net loans and leases to total assets | 73.6969% | 841 |
| Net loans and leases to deposits | 86.9001% | 893 |
| Net loans and leases to core deposits | 98.2393% | 794 |
| Total domestic deposits to total assets | 84.8065% | 3,184 |
| Equity capital to assets | 9.1225% | 3,568 |
| Core capital (leverage) ratio | 9.1532% | 3,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0965% | 2,255 |
| Memoranda: |
| Average total assets | $1,585,194,500 | 645 |
| Average earning assets | $1,468,646,500 | 641 |
| Average equity | $144,980,500 | 733 |
| Average total loans | $1,197,286,000 | 575 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7617% | 3,410 |
| Cost of funding earning assets | 0.9140% | 819 |
| Net interest margin | 2.8477% | 4,191 |
| Noninterest income to average assets | 0.6177% | 2,148 |
| Noninterest expense to average assets | 2.0856% | 3,962 |
| Loan and lease loss provision to assets | 0.2230% | 1,753 |
| Net operating income to assets | 0.7251% | 3,347 |
| Return on assets (ROA) | 0.7285% | 3,463 |
| Pretax return on assets | 0.9397% | 3,253 |
| Return on Equity (ROE) | 8.2840% | 2,698 |
| Retained earnings to average equity (ytd only) | 8.2840% | 975 |
| Net charge-offs to loans | -0.0096% | 4,255 |
| Credit loss provision to net charge-offs | -3,066.9643% | 4,265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2896% | 2,770 |
| Assets per employee ($millions) | 7.6893% | 1,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2538% | 2,655 |
| Loan loss allowance to noncurrent loans | 232.6854% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.4120% | 2,349 |
| Noncurrent loans to loans | 0.5388% | 2,363 |
| Net loans and leases to total assets | 75.5013% | 844 |
| Net loans and leases to deposits | 89.2913% | 983 |
| Net loans and leases to core deposits | 102.1192% | 809 |
| Total domestic deposits to total assets | 84.5562% | 2,931 |
| Equity capital to assets | 9.1701% | 3,918 |
| Core capital (leverage) ratio | 8.6930% | 4,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7152% | 2,355 |
| Memoranda: |
| Average total assets | $1,540,167,800 | 603 |
| Average earning assets | $1,420,429,800 | 597 |
| Average equity | $135,442,600 | 743 |
| Average total loans | $1,165,113,600 | 558 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8119% | 3,528 |
| Cost of funding earning assets | 0.9807% | 814 |
| Net interest margin | 2.8311% | 4,288 |
| Noninterest income to average assets | 0.5738% | 2,282 |
| Noninterest expense to average assets | 1.9845% | 4,184 |
| Loan and lease loss provision to assets | 0.2593% | 1,562 |
| Net operating income to assets | 0.7343% | 3,340 |
| Return on assets (ROA) | 0.7386% | 3,423 |
| Pretax return on assets | 0.9432% | 3,253 |
| Return on Equity (ROE) | 8.4910% | 2,604 |
| Retained earnings to average equity (ytd only) | 8.4910% | 1,145 |
| Net charge-offs to loans | -0.0129% | 4,291 |
| Credit loss provision to net charge-offs | -2,665.1786% | 4,134 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3741% | 3,013 |
| Assets per employee ($millions) | 8.0818% | 966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2297% | 2,505 |
| Loan loss allowance to noncurrent loans | 223.3954% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.3960% | 2,594 |
| Noncurrent loans to loans | 0.5505% | 2,419 |
| Net loans and leases to total assets | 71.0560% | 1,807 |
| Net loans and leases to deposits | 88.0175% | 1,484 |
| Net loans and leases to core deposits | 101.1882% | 1,080 |
| Total domestic deposits to total assets | 80.7294% | 3,716 |
| Equity capital to assets | 8.6068% | 4,398 |
| Core capital (leverage) ratio | 8.5384% | 4,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1985% | 2,109 |
| Memoranda: |
| Average total assets | $1,534,979,250 | 591 |
| Average earning assets | $1,413,906,250 | 582 |
| Average equity | $133,518,750 | 745 |
| Average total loans | $1,158,021,750 | 552 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9279% | 3,546 |
| Cost of funding earning assets | 1.0405% | 868 |
| Net interest margin | 2.8873% | 4,329 |
| Noninterest income to average assets | 0.4577% | 2,775 |
| Noninterest expense to average assets | 2.0008% | 4,233 |
| Loan and lease loss provision to assets | 0.3154% | 1,358 |
| Net operating income to assets | 0.6152% | 3,685 |
| Return on assets (ROA) | 0.6152% | 3,763 |
| Pretax return on assets | 0.7965% | 3,597 |
| Return on Equity (ROE) | 7.0445% | 3,113 |
| Retained earnings to average equity (ytd only) | 7.0445% | 1,643 |
| Net charge-offs to loans | 0.0019% | 2,953 |
| Credit loss provision to net charge-offs | 21,500.0000% | 50 |
| Earnings coverage of net charge-offs (x) | 758.0000% | 126 |
| Efficiency ratio | 64.2790% | 2,789 |
| Assets per employee ($millions) | 7.9313% | 998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1681% | 2,683 |
| Loan loss allowance to noncurrent loans | 340.9507% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.2509% | 3,306 |
| Noncurrent loans to loans | 0.3426% | 3,169 |
| Net loans and leases to total assets | 72.3690% | 1,641 |
| Net loans and leases to deposits | 89.4390% | 1,403 |
| Net loans and leases to core deposits | 101.3496% | 1,162 |
| Total domestic deposits to total assets | 80.9144% | 3,630 |
| Equity capital to assets | 8.5365% | 4,455 |
| Core capital (leverage) ratio | 8.5627% | 4,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5288% | 2,385 |
| Memoranda: |
| Average total assets | $1,499,784,333 | 592 |
| Average earning assets | $1,379,123,333 | 584 |
| Average equity | $130,968,000 | 751 |
| Average total loans | $1,150,610,333 | 550 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9793% | 3,849 |
| Cost of funding earning assets | 1.1102% | 1,013 |
| Net interest margin | 2.8691% | 4,479 |
| Noninterest income to average assets | 0.4679% | 2,710 |
| Noninterest expense to average assets | 2.1143% | 4,188 |
| Loan and lease loss provision to assets | 0.4167% | 730 |
| Net operating income to assets | 0.4339% | 4,062 |
| Return on assets (ROA) | 0.4339% | 4,103 |
| Pretax return on assets | 0.5701% | 3,981 |
| Return on Equity (ROE) | 4.9072% | 3,663 |
| Retained earnings to average equity (ytd only) | 4.9072% | 2,314 |
| Net charge-offs to loans | 0.0032% | 2,477 |
| Credit loss provision to net charge-offs | 16,722.2222% | 48 |
| Earnings coverage of net charge-offs (x) | 396.0000% | 174 |
| Efficiency ratio | 68.1786% | 2,634 |
| Assets per employee ($millions) | 7.3578% | 948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1216% | 3,082 |
| Loan loss allowance to noncurrent loans | 400.7759% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.2168% | 3,603 |
| Noncurrent loans to loans | 0.2799% | 3,488 |
| Net loans and leases to total assets | 76.5930% | 1,198 |
| Net loans and leases to deposits | 98.0508% | 706 |
| Net loans and leases to core deposits | 111.1839% | 791 |
| Total domestic deposits to total assets | 78.1156% | 4,199 |
| Equity capital to assets | 8.9204% | 4,645 |
| Core capital (leverage) ratio | 9.0990% | 4,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1670% | 2,631 |
| Memoranda: |
| Average total assets | $1,444,647,500 | 583 |
| Average earning assets | $1,325,853,000 | 582 |
| Average equity | $127,730,500 | 760 |
| Average total loans | $1,136,438,500 | 536 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0844% | 4,072 |
| Cost of funding earning assets | 1.1369% | 1,204 |
| Net interest margin | 2.9475% | 4,586 |
| Noninterest income to average assets | 0.5499% | 2,483 |
| Noninterest expense to average assets | 2.2201% | 4,122 |
| Loan and lease loss provision to assets | 0.1316% | 1,622 |
| Net operating income to assets | 0.6873% | 3,905 |
| Return on assets (ROA) | 0.6870% | 3,972 |
| Pretax return on assets | 0.9014% | 3,741 |
| Return on Equity (ROE) | 7.7918% | 3,254 |
| Retained earnings to average equity (ytd only) | -15.2090% | 5,115 |
| Net charge-offs to loans | 0.1766% | 1,146 |
| Credit loss provision to net charge-offs | 95.0311% | 2,591 |
| Earnings coverage of net charge-offs (x) | 7.4643% | 2,875 |
| Efficiency ratio | 68.2378% | 2,427 |
| Assets per employee ($millions) | 6.7779% | 1,139 |
| Cash dividends to net income (ytd only)* | 295.1914% | 35 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0179% | 3,395 |
| Loan loss allowance to noncurrent loans | 465.2404% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.1749% | 3,778 |
| Noncurrent loans to loans | 0.2188% | 3,667 |
| Net loans and leases to total assets | 79.1267% | 910 |
| Net loans and leases to deposits | 98.2090% | 743 |
| Net loans and leases to core deposits | 111.2392% | 788 |
| Total domestic deposits to total assets | 80.5698% | 3,861 |
| Equity capital to assets | 8.7582% | 4,799 |
| Core capital (leverage) ratio | 8.6645% | 4,747 |
| Tier 1 risk-based capital ratio | 11.5376% | 4,610 |
| Total risk-based capital ratio | 12.6204% | 4,574 |
| Memoranda: |
| Average total assets | $1,395,531,400 | 585 |
| Average earning assets | $1,280,026,800 | 581 |
| Average equity | $123,039,200 | 741 |
| Average total loans | $1,094,062,600 | 531 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1025% | 4,149 |
| Cost of funding earning assets | 1.1282% | 1,251 |
| Net interest margin | 2.9743% | 4,656 |
| Noninterest income to average assets | 0.5497% | 2,463 |
| Noninterest expense to average assets | 2.2225% | 4,143 |
| Loan and lease loss provision to assets | 0.0752% | 2,387 |
| Net operating income to assets | 0.7498% | 3,851 |
| Return on assets (ROA) | 0.7495% | 3,912 |
| Pretax return on assets | 0.9790% | 3,652 |
| Return on Equity (ROE) | 8.4865% | 3,115 |
| Retained earnings to average equity (ytd only) | -22.1706% | 5,216 |
| Net charge-offs to loans | 0.0012% | 3,411 |
| Credit loss provision to net charge-offs | 7,860.0000% | 50 |
| Earnings coverage of net charge-offs (x) | 1,102.6482% | 81 |
| Efficiency ratio | 67.8178% | 2,451 |
| Assets per employee ($millions) | 7.0350% | 1,012 |
| Cash dividends to net income (ytd only)* | 361.2459% | 25 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1311% | 2,867 |
| Loan loss allowance to noncurrent loans | 298.6874% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.2895% | 3,393 |
| Noncurrent loans to loans | 0.3787% | 3,197 |
| Net loans and leases to total assets | 75.5831% | 1,547 |
| Net loans and leases to deposits | 94.2888% | 1,194 |
| Net loans and leases to core deposits | 105.7057% | 1,203 |
| Total domestic deposits to total assets | 80.1613% | 3,962 |
| Equity capital to assets | 8.5511% | 4,976 |
| Core capital (leverage) ratio | 8.5738% | 4,907 |
| Tier 1 risk-based capital ratio | 11.8712% | 4,478 |
| Total risk-based capital ratio | 13.0875% | 4,382 |
| Memoranda: |
| Average total assets | $1,393,658,250 | 588 |
| Average earning assets | $1,277,976,000 | 585 |
| Average equity | $123,079,000 | 736 |
| Average total loans | $1,087,182,250 | 537 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1132% | 4,127 |
| Cost of funding earning assets | 1.1097% | 1,260 |
| Net interest margin | 3.0034% | 4,678 |
| Noninterest income to average assets | 0.5550% | 2,363 |
| Noninterest expense to average assets | 2.2822% | 4,047 |
| Loan and lease loss provision to assets | 0.1063% | 1,760 |
| Net operating income to assets | 0.7132% | 3,961 |
| Return on assets (ROA) | 0.7132% | 4,018 |
| Pretax return on assets | 0.9208% | 3,787 |
| Return on Equity (ROE) | 7.9887% | 3,297 |
| Retained earnings to average equity (ytd only) | -37.8044% | 5,283 |
| Net charge-offs to loans | 0.0013% | 3,134 |
| Credit loss provision to net charge-offs | 10,514.2857% | 24 |
| Earnings coverage of net charge-offs (x) | 1,015.7143% | 67 |
| Efficiency ratio | 68.9642% | 2,384 |
| Assets per employee ($millions) | 6.7855% | 1,097 |
| Cash dividends to net income (ytd only)* | 573.2226% | 17 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1121% | 3,009 |
| Loan loss allowance to noncurrent loans | 304.2247% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.2865% | 3,406 |
| Noncurrent loans to loans | 0.3656% | 3,213 |
| Net loans and leases to total assets | 77.4984% | 1,313 |
| Net loans and leases to deposits | 98.9564% | 753 |
| Net loans and leases to core deposits | 110.8832% | 929 |
| Total domestic deposits to total assets | 78.3157% | 4,342 |
| Equity capital to assets | 8.4188% | 5,073 |
| Core capital (leverage) ratio | 8.4517% | 4,978 |
| Tier 1 risk-based capital ratio | 11.2849% | 4,795 |
| Total risk-based capital ratio | 12.4655% | 4,717 |
| Memoranda: |
| Average total assets | $1,384,517,670 | 588 |
| Average earning assets | $1,269,680,330 | 588 |
| Average equity | $123,599,330 | 728 |
| Average total loans | $1,087,448,330 | 535 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0824% | 4,170 |
| Cost of funding earning assets | 1.0660% | 1,306 |
| Net interest margin | 3.0164% | 4,726 |
| Noninterest income to average assets | 0.4732% | 2,715 |
| Noninterest expense to average assets | 2.2638% | 4,110 |
| Loan and lease loss provision to assets | 0.1388% | 1,243 |
| Net operating income to assets | 0.5893% | 4,277 |
| Return on assets (ROA) | 0.5893% | 4,309 |
| Pretax return on assets | 0.8349% | 3,959 |
| Return on Equity (ROE) | 6.4146% | 3,870 |
| Retained earnings to average equity (ytd only) | -83.2320% | 5,350 |
| Net charge-offs to loans | -0.0011% | 3,811 |
| Credit loss provision to net charge-offs | -15,900.0000% | 4,261 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9236% | 2,353 |
| Assets per employee ($millions) | 6.7547% | 1,108 |
| Cash dividends to net income (ytd only)* | 1,397.5309% | 13 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0966% | 3,148 |
| Loan loss allowance to noncurrent loans | 286.5711% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.3037% | 3,395 |
| Noncurrent loans to loans | 0.3827% | 3,218 |
| Net loans and leases to total assets | 78.4990% | 1,075 |
| Net loans and leases to deposits | 101.3693% | 538 |
| Net loans and leases to core deposits | 114.5037% | 712 |
| Total domestic deposits to total assets | 77.4386% | 4,598 |
| Equity capital to assets | 8.2517% | 5,106 |
| Core capital (leverage) ratio | 8.4347% | 5,043 |
| Tier 1 risk-based capital ratio | 11.2007% | 4,880 |
| Total risk-based capital ratio | 12.3781% | 4,833 |
| Memoranda: |
| Average total assets | $1,374,473,000 | 595 |
| Average earning assets | $1,259,652,000 | 594 |
| Average equity | $126,273,500 | 719 |
| Average total loans | $1,080,777,500 | 539 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9714% | 4,107 |
| Cost of funding earning assets | 0.8079% | 1,483 |
| Net interest margin | 3.1634% | 4,552 |
| Noninterest income to average assets | 0.4845% | 2,918 |
| Noninterest expense to average assets | 2.1282% | 4,502 |
| Loan and lease loss provision to assets | 0.0963% | 2,234 |
| Net operating income to assets | 0.8457% | 3,623 |
| Return on assets (ROA) | 0.8946% | 3,448 |
| Pretax return on assets | 1.2226% | 2,806 |
| Return on Equity (ROE) | 9.0945% | 2,948 |
| Retained earnings to average equity (ytd only) | 9.0945% | 829 |
| Net charge-offs to loans | 0.0036% | 3,603 |
| Credit loss provision to net charge-offs | 3,421.0526% | 148 |
| Earnings coverage of net charge-offs (x) | 446.4211% | 237 |
| Efficiency ratio | 62.8675% | 3,369 |
| Assets per employee ($millions) | 6.8894% | 1,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0781% | 3,233 |
| Loan loss allowance to noncurrent loans | 282.3890% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.2974% | 3,385 |
| Noncurrent loans to loans | 0.3818% | 3,164 |
| Net loans and leases to total assets | 77.0514% | 1,432 |
| Net loans and leases to deposits | 101.1991% | 654 |
| Net loans and leases to core deposits | 114.3405% | 768 |
| Total domestic deposits to total assets | 76.1385% | 4,740 |
| Equity capital to assets | 10.1272% | 3,548 |
| Core capital (leverage) ratio | 10.5363% | 2,981 |
| Tier 1 risk-based capital ratio | 14.2200% | 3,197 |
| Total risk-based capital ratio | 15.3884% | 3,159 |
| Memoranda: |
| Average total assets | $1,349,554,400 | 586 |
| Average earning assets | $1,237,460,000 | 585 |
| Average equity | $132,751,200 | 655 |
| Average total loans | $1,053,868,600 | 535 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9513% | 4,076 |
| Cost of funding earning assets | 0.7848% | 1,408 |
| Net interest margin | 3.1664% | 4,582 |
| Noninterest income to average assets | 0.4827% | 2,965 |
| Noninterest expense to average assets | 2.0811% | 4,588 |
| Loan and lease loss provision to assets | 0.0744% | 2,471 |
| Net operating income to assets | 0.8876% | 3,593 |
| Return on assets (ROA) | 0.9531% | 3,307 |
| Pretax return on assets | 1.3134% | 2,564 |
| Return on Equity (ROE) | 9.7629% | 2,722 |
| Retained earnings to average equity (ytd only) | 9.7629% | 989 |
| Net charge-offs to loans | 0.0051% | 3,257 |
| Credit loss provision to net charge-offs | 1,875.0000% | 223 |
| Earnings coverage of net charge-offs (x) | 328.8873% | 286 |
| Efficiency ratio | 61.4630% | 3,585 |
| Assets per employee ($millions) | 6.9914% | 938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0330% | 3,572 |
| Loan loss allowance to noncurrent loans | 204.9551% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.3963% | 3,101 |
| Noncurrent loans to loans | 0.5040% | 2,876 |
| Net loans and leases to total assets | 77.8213% | 1,372 |
| Net loans and leases to deposits | 97.6103% | 981 |
| Net loans and leases to core deposits | 109.0389% | 1,098 |
| Total domestic deposits to total assets | 79.7265% | 4,169 |
| Equity capital to assets | 9.9888% | 3,661 |
| Core capital (leverage) ratio | 10.3575% | 3,228 |
| Tier 1 risk-based capital ratio | 14.5573% | 3,093 |
| Total risk-based capital ratio | 15.7158% | 3,062 |
| Memoranda: |
| Average total assets | $1,344,197,000 | 588 |
| Average earning assets | $1,232,480,750 | 583 |
| Average equity | $131,228,500 | 656 |
| Average total loans | $1,050,366,750 | 534 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9548% | 3,912 |
| Cost of funding earning assets | 0.7710% | 1,278 |
| Net interest margin | 3.1837% | 4,545 |
| Noninterest income to average assets | 0.4758% | 3,000 |
| Noninterest expense to average assets | 2.0963% | 4,617 |
| Loan and lease loss provision to assets | 0.0894% | 2,129 |
| Net operating income to assets | 0.8721% | 3,575 |
| Return on assets (ROA) | 0.9329% | 3,316 |
| Pretax return on assets | 1.2861% | 2,569 |
| Return on Equity (ROE) | 9.6306% | 2,750 |
| Retained earnings to average equity (ytd only) | 9.6306% | 1,031 |
| Net charge-offs to loans | 0.0055% | 2,957 |
| Credit loss provision to net charge-offs | 2,068.9655% | 207 |
| Earnings coverage of net charge-offs (x) | 300.5517% | 304 |
| Efficiency ratio | 61.7501% | 3,658 |
| Assets per employee ($millions) | 7.0745% | 892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0351% | 3,622 |
| Loan loss allowance to noncurrent loans | 191.1339% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.4249% | 3,025 |
| Noncurrent loans to loans | 0.5416% | 2,794 |
| Net loans and leases to total assets | 76.1720% | 1,610 |
| Net loans and leases to deposits | 95.8129% | 1,162 |
| Net loans and leases to core deposits | 106.6510% | 1,198 |
| Total domestic deposits to total assets | 79.5008% | 4,349 |
| Equity capital to assets | 9.7516% | 3,870 |
| Core capital (leverage) ratio | 10.0639% | 3,512 |
| Tier 1 risk-based capital ratio | 14.3715% | 3,171 |
| Total risk-based capital ratio | 15.5287% | 3,139 |
| Memoranda: |
| Average total assets | $1,342,481,330 | 587 |
| Average earning assets | $1,230,816,670 | 586 |
| Average equity | $130,043,670 | 658 |
| Average total loans | $1,046,809,670 | 534 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8793% | 3,986 |
| Cost of funding earning assets | 0.7530% | 1,174 |
| Net interest margin | 3.1262% | 4,652 |
| Noninterest income to average assets | 0.4790% | 2,947 |
| Noninterest expense to average assets | 2.0924% | 4,675 |
| Loan and lease loss provision to assets | 0.1349% | 1,399 |
| Net operating income to assets | 0.8065% | 3,678 |
| Return on assets (ROA) | 0.8647% | 3,448 |
| Pretax return on assets | 1.1923% | 2,784 |
| Return on Equity (ROE) | 8.9570% | 2,923 |
| Retained earnings to average equity (ytd only) | 8.9570% | 1,469 |
| Net charge-offs to loans | 0.0191% | 2,121 |
| Credit loss provision to net charge-offs | 900.0000% | 370 |
| Earnings coverage of net charge-offs (x) | 83.6400% | 688 |
| Efficiency ratio | 62.5370% | 3,701 |
| Assets per employee ($millions) | 7.2501% | 862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0187% | 3,846 |
| Loan loss allowance to noncurrent loans | 175.9623% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 0.4822% | 2,923 |
| Noncurrent loans to loans | 0.5790% | 2,806 |
| Net loans and leases to total assets | 77.1558% | 1,364 |
| Net loans and leases to deposits | 96.6129% | 967 |
| Net loans and leases to core deposits | 108.7665% | 1,074 |
| Total domestic deposits to total assets | 79.8608% | 4,441 |
| Equity capital to assets | 9.6567% | 3,935 |
| Core capital (leverage) ratio | 10.0059% | 3,532 |
| Tier 1 risk-based capital ratio | 14.0845% | 3,336 |
| Total risk-based capital ratio | 15.2295% | 3,304 |
| Memoranda: |
| Average total assets | $1,334,568,500 | 597 |
| Average earning assets | $1,223,839,500 | 589 |
| Average equity | $128,837,500 | 664 |
| Average total loans | $1,047,478,500 | 536 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8532% | 3,875 |
| Cost of funding earning assets | 0.6880% | 1,087 |
| Net interest margin | 3.1652% | 4,531 |
| Noninterest income to average assets | 0.4872% | 3,083 |
| Noninterest expense to average assets | 2.1039% | 4,753 |
| Loan and lease loss provision to assets | 0.1086% | 2,071 |
| Net operating income to assets | 0.6160% | 3,947 |
| Return on assets (ROA) | 0.8381% | 3,037 |
| Pretax return on assets | 1.5244% | 1,549 |
| Return on Equity (ROE) | 8.9600% | 2,334 |
| Retained earnings to average equity (ytd only) | 8.9600% | 517 |
| Net charge-offs to loans | 0.0251% | 3,305 |
| Credit loss provision to net charge-offs | 545.4545% | 589 |
| Earnings coverage of net charge-offs (x) | 64.6061% | 904 |
| Efficiency ratio | 62.0641% | 3,927 |
| Assets per employee ($millions) | 7.2562% | 860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9768% | 4,070 |
| Loan loss allowance to noncurrent loans | 241.7119% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.3506% | 3,465 |
| Noncurrent loans to loans | 0.4041% | 3,315 |
| Net loans and leases to total assets | 78.2599% | 1,254 |
| Net loans and leases to deposits | 99.1072% | 807 |
| Net loans and leases to core deposits | 112.1126% | 893 |
| Total domestic deposits to total assets | 78.9648% | 4,553 |
| Equity capital to assets | 9.6510% | 4,085 |
| Core capital (leverage) ratio | 9.6823% | 3,833 |
| Tier 1 risk-based capital ratio | 13.7268% | 3,506 |
| Total risk-based capital ratio | 14.8262% | 3,497 |
| Memoranda: |
| Average total assets | $1,326,269,600 | 580 |
| Average earning assets | $1,216,338,200 | 580 |
| Average equity | $124,051,600 | 663 |
| Average total loans | $1,050,200,800 | 514 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8228% | 3,930 |
| Cost of funding earning assets | 0.6645% | 1,148 |
| Net interest margin | 3.1583% | 4,561 |
| Noninterest income to average assets | 0.4879% | 3,096 |
| Noninterest expense to average assets | 2.1774% | 4,572 |
| Loan and lease loss provision to assets | 0.1373% | 1,561 |
| Net operating income to assets | 0.7019% | 3,971 |
| Return on assets (ROA) | 1.0018% | 2,595 |
| Pretax return on assets | 1.5323% | 1,662 |
| Return on Equity (ROE) | 10.7963% | 1,780 |
| Retained earnings to average equity (ytd only) | 10.7963% | 443 |
| Net charge-offs to loans | 0.0249% | 2,947 |
| Credit loss provision to net charge-offs | 696.4286% | 484 |
| Earnings coverage of net charge-offs (x) | 61.3003% | 979 |
| Efficiency ratio | 64.3133% | 3,485 |
| Assets per employee ($millions) | 7.1618% | 886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9695% | 4,239 |
| Loan loss allowance to noncurrent loans | 187.8599% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 0.4299% | 3,309 |
| Noncurrent loans to loans | 0.5161% | 3,154 |
| Net loans and leases to total assets | 78.1336% | 1,245 |
| Net loans and leases to deposits | 97.1242% | 998 |
| Net loans and leases to core deposits | 110.1865% | 1,014 |
| Total domestic deposits to total assets | 80.4471% | 4,222 |
| Equity capital to assets | 9.5385% | 4,411 |
| Core capital (leverage) ratio | 9.6834% | 3,955 |
| Tier 1 risk-based capital ratio | 13.7233% | 3,566 |
| Total risk-based capital ratio | 14.8313% | 3,575 |
| Memoranda: |
| Average total assets | $1,325,868,000 | 583 |
| Average earning assets | $1,216,486,750 | 579 |
| Average equity | $123,026,250 | 671 |
| Average total loans | $1,050,389,750 | 511 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8104% | 3,855 |
| Cost of funding earning assets | 0.6528% | 1,125 |
| Net interest margin | 3.1576% | 4,527 |
| Noninterest income to average assets | 0.4535% | 3,330 |
| Noninterest expense to average assets | 2.2874% | 4,381 |
| Loan and lease loss provision to assets | 0.1725% | 1,119 |
| Net operating income to assets | 0.5845% | 4,373 |
| Return on assets (ROA) | 1.0428% | 2,278 |
| Pretax return on assets | 1.5856% | 1,386 |
| Return on Equity (ROE) | 11.3459% | 1,516 |
| Retained earnings to average equity (ytd only) | 11.3459% | 392 |
| Net charge-offs to loans | 0.0294% | 2,621 |
| Credit loss provision to net charge-offs | 740.2597% | 480 |
| Earnings coverage of net charge-offs (x) | 45.6364% | 1,147 |
| Efficiency ratio | 68.2580% | 2,961 |
| Assets per employee ($millions) | 7.1128% | 884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9513% | 4,413 |
| Loan loss allowance to noncurrent loans | 176.2923% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.4496% | 3,313 |
| Noncurrent loans to loans | 0.5396% | 3,133 |
| Net loans and leases to total assets | 78.3411% | 1,190 |
| Net loans and leases to deposits | 94.0339% | 1,256 |
| Net loans and leases to core deposits | 107.7519% | 1,118 |
| Total domestic deposits to total assets | 83.3116% | 3,465 |
| Equity capital to assets | 9.3200% | 4,597 |
| Core capital (leverage) ratio | 9.4075% | 4,221 |
| Tier 1 risk-based capital ratio | 13.2984% | 3,802 |
| Total risk-based capital ratio | 14.3791% | 3,835 |
| Memoranda: |
| Average total assets | $1,321,406,330 | 587 |
| Average earning assets | $1,212,617,000 | 581 |
| Average equity | $121,453,670 | 682 |
| Average total loans | $1,048,303,000 | 514 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7959% | 3,774 |
| Cost of funding earning assets | 0.6537% | 1,061 |
| Net interest margin | 3.1422% | 4,523 |
| Noninterest income to average assets | 0.4419% | 3,362 |
| Noninterest expense to average assets | 2.4192% | 4,063 |
| Loan and lease loss provision to assets | 0.1553% | 1,171 |
| Net operating income to assets | 0.5083% | 4,566 |
| Return on assets (ROA) | 1.4444% | 928 |
| Pretax return on assets | 2.1485% | 387 |
| Return on Equity (ROE) | 15.8276% | 546 |
| Retained earnings to average equity (ytd only) | 15.8276% | 203 |
| Net charge-offs to loans | 0.0057% | 2,772 |
| Credit loss provision to net charge-offs | 3,400.0000% | 95 |
| Earnings coverage of net charge-offs (x) | 198.4667% | 284 |
| Efficiency ratio | 72.7406% | 2,449 |
| Assets per employee ($millions) | 7.1002% | 904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9009% | 4,753 |
| Loan loss allowance to noncurrent loans | 155.1305% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 0.4622% | 3,357 |
| Noncurrent loans to loans | 0.5808% | 3,069 |
| Net loans and leases to total assets | 78.8598% | 1,002 |
| Net loans and leases to deposits | 94.6389% | 1,052 |
| Net loans and leases to core deposits | 109.9068% | 882 |
| Total domestic deposits to total assets | 83.3270% | 3,730 |
| Equity capital to assets | 9.1664% | 4,650 |
| Core capital (leverage) ratio | 9.1892% | 4,494 |
| Tier 1 risk-based capital ratio | 13.1328% | 4,008 |
| Total risk-based capital ratio | 14.1661% | 4,028 |
| Memoranda: |
| Average total assets | $1,313,503,500 | 588 |
| Average earning assets | $1,205,511,500 | 583 |
| Average equity | $119,866,500 | 686 |
| Average total loans | $1,043,630,500 | 514 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8422% | 3,769 |
| Cost of funding earning assets | 0.5867% | 1,443 |
| Net interest margin | 3.2555% | 4,280 |
| Noninterest income to average assets | 0.5603% | 2,865 |
| Noninterest expense to average assets | 2.3001% | 4,558 |
| Loan and lease loss provision to assets | 0.1202% | 2,058 |
| Net operating income to assets | 0.7454% | 3,558 |
| Return on assets (ROA) | 0.7569% | 3,622 |
| Pretax return on assets | 1.1249% | 2,997 |
| Return on Equity (ROE) | 7.6653% | 3,136 |
| Retained earnings to average equity (ytd only) | -15.6981% | 5,840 |
| Net charge-offs to loans | 0.0193% | 3,672 |
| Credit loss provision to net charge-offs | 868.6869% | 431 |
| Earnings coverage of net charge-offs (x) | 88.7172% | 663 |
| Efficiency ratio | 64.0485% | 3,930 |
| Assets per employee ($millions) | 6.8009% | 1,005 |
| Cash dividends to net income (ytd only)* | 304.7936% | 37 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8853% | 4,838 |
| Loan loss allowance to noncurrent loans | 172.3974% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.4074% | 3,646 |
| Noncurrent loans to loans | 0.5135% | 3,308 |
| Net loans and leases to total assets | 78.6248% | 1,102 |
| Net loans and leases to deposits | 93.8707% | 1,209 |
| Net loans and leases to core deposits | 109.6062% | 924 |
| Total domestic deposits to total assets | 83.7587% | 3,519 |
| Equity capital to assets | 9.0837% | 4,727 |
| Core capital (leverage) ratio | 8.6214% | 5,150 |
| Tier 1 risk-based capital ratio | 13.0817% | 4,013 |
| Total risk-based capital ratio | 14.0984% | 4,062 |
| Memoranda: |
| Average total assets | $1,430,451,000 | 525 |
| Average earning assets | $1,304,051,600 | 523 |
| Average equity | $141,246,600 | 561 |
| Average total loans | $1,027,489,800 | 497 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7908% | 3,945 |
| Cost of funding earning assets | 0.5768% | 1,506 |
| Net interest margin | 3.2141% | 4,450 |
| Noninterest income to average assets | 0.5652% | 2,847 |
| Noninterest expense to average assets | 2.2801% | 4,581 |
| Loan and lease loss provision to assets | 0.1301% | 1,799 |
| Net operating income to assets | 0.7519% | 3,598 |
| Return on assets (ROA) | 0.7673% | 3,664 |
| Pretax return on assets | 1.1040% | 3,218 |
| Return on Equity (ROE) | 7.6359% | 3,226 |
| Retained earnings to average equity (ytd only) | 7.6359% | 1,344 |
| Net charge-offs to loans | 0.0188% | 3,337 |
| Credit loss provision to net charge-offs | 986.2069% | 415 |
| Earnings coverage of net charge-offs (x) | 91.8338% | 700 |
| Efficiency ratio | 64.0188% | 3,929 |
| Assets per employee ($millions) | 6.6353% | 1,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8309% | 5,099 |
| Loan loss allowance to noncurrent loans | 119.0463% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 0.5131% | 3,405 |
| Noncurrent loans to loans | 0.6980% | 2,940 |
| Net loans and leases to total assets | 70.6548% | 2,400 |
| Net loans and leases to deposits | 82.4799% | 2,674 |
| Net loans and leases to core deposits | 95.4548% | 2,056 |
| Total domestic deposits to total assets | 85.6631% | 2,530 |
| Equity capital to assets | 10.1920% | 3,927 |
| Core capital (leverage) ratio | 9.2638% | 4,513 |
| Tier 1 risk-based capital ratio | 14.0641% | 3,524 |
| Total risk-based capital ratio | 14.9791% | 3,637 |
| Memoranda: |
| Average total assets | $1,465,019,250 | 518 |
| Average earning assets | $1,334,098,750 | 518 |
| Average equity | $147,214,000 | 540 |
| Average total loans | $1,028,100,250 | 497 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8218% | 3,882 |
| Cost of funding earning assets | 0.5934% | 1,371 |
| Net interest margin | 3.2284% | 4,450 |
| Noninterest income to average assets | 0.5094% | 3,127 |
| Noninterest expense to average assets | 2.3083% | 4,588 |
| Loan and lease loss provision to assets | 0.1065% | 2,082 |
| Net operating income to assets | 0.7111% | 3,739 |
| Return on assets (ROA) | 0.7343% | 3,793 |
| Pretax return on assets | 1.0622% | 3,353 |
| Return on Equity (ROE) | 7.3438% | 3,346 |
| Retained earnings to average equity (ytd only) | 7.3438% | 1,455 |
| Net charge-offs to loans | 0.0193% | 3,110 |
| Credit loss provision to net charge-offs | 790.8163% | 455 |
| Earnings coverage of net charge-offs (x) | 84.2959% | 678 |
| Efficiency ratio | 65.7330% | 3,717 |
| Assets per employee ($millions) | 6.7100% | 995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7886% | 5,305 |
| Loan loss allowance to noncurrent loans | 99.8908% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 0.5711% | 3,305 |
| Noncurrent loans to loans | 0.7895% | 2,776 |
| Net loans and leases to total assets | 69.5138% | 2,550 |
| Net loans and leases to deposits | 79.8322% | 2,946 |
| Net loans and leases to core deposits | 92.9985% | 2,258 |
| Total domestic deposits to total assets | 87.0749% | 1,882 |
| Equity capital to assets | 10.0537% | 4,158 |
| Core capital (leverage) ratio | 9.1599% | 4,646 |
| Tier 1 risk-based capital ratio | 13.9683% | 3,625 |
| Total risk-based capital ratio | 14.8320% | 3,771 |
| Memoranda: |
| Average total assets | $1,455,712,330 | 523 |
| Average earning assets | $1,322,874,670 | 524 |
| Average equity | $145,565,000 | 544 |
| Average total loans | $1,016,243,000 | 499 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7406% | 4,168 |
| Cost of funding earning assets | 0.6074% | 1,287 |
| Net interest margin | 3.1331% | 4,771 |
| Noninterest income to average assets | 0.5077% | 3,064 |
| Noninterest expense to average assets | 2.2942% | 4,678 |
| Loan and lease loss provision to assets | 0.0917% | 2,150 |
| Net operating income to assets | 0.6760% | 3,842 |
| Return on assets (ROA) | 0.6692% | 3,997 |
| Pretax return on assets | 0.9628% | 3,612 |
| Return on Equity (ROE) | 6.7110% | 3,611 |
| Retained earnings to average equity (ytd only) | 6.7110% | 2,023 |
| Net charge-offs to loans | 0.0259% | 2,420 |
| Credit loss provision to net charge-offs | 507.6923% | 593 |
| Earnings coverage of net charge-offs (x) | 58.8923% | 792 |
| Efficiency ratio | 66.9619% | 3,640 |
| Assets per employee ($millions) | 6.6579% | 1,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7654% | 5,456 |
| Loan loss allowance to noncurrent loans | 84.7755% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 0.6683% | 3,054 |
| Noncurrent loans to loans | 0.9029% | 2,595 |
| Net loans and leases to total assets | 69.1995% | 2,471 |
| Net loans and leases to deposits | 79.8557% | 2,812 |
| Net loans and leases to core deposits | 94.0140% | 1,986 |
| Total domestic deposits to total assets | 86.6557% | 2,378 |
| Equity capital to assets | 9.9510% | 4,141 |
| Core capital (leverage) ratio | 9.0823% | 4,754 |
| Tier 1 risk-based capital ratio | 14.0386% | 3,667 |
| Total risk-based capital ratio | 14.8784% | 3,842 |
| Memoranda: |
| Average total assets | $1,438,753,500 | 524 |
| Average earning assets | $1,309,103,000 | 527 |
| Average equity | $143,466,000 | 548 |
| Average total loans | $1,002,499,500 | 505 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6991% | 4,367 |
| Cost of funding earning assets | 0.6110% | 1,304 |
| Net interest margin | 3.0881% | 4,931 |
| Noninterest income to average assets | 0.6209% | 2,612 |
| Noninterest expense to average assets | 2.3240% | 4,722 |
| Loan and lease loss provision to assets | 0.1355% | 1,754 |
| Net operating income to assets | 0.6915% | 3,856 |
| Return on assets (ROA) | 0.6932% | 3,954 |
| Pretax return on assets | 0.9559% | 3,627 |
| Return on Equity (ROE) | 6.3900% | 3,845 |
| Retained earnings to average equity (ytd only) | 6.3900% | 1,610 |
| Net charge-offs to loans | 0.0542% | 3,125 |
| Credit loss provision to net charge-offs | 359.2437% | 828 |
| Earnings coverage of net charge-offs (x) | 28.8739% | 1,491 |
| Efficiency ratio | 67.3337% | 3,689 |
| Assets per employee ($millions) | 6.3070% | 1,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7679% | 5,491 |
| Loan loss allowance to noncurrent loans | 72.6110% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 0.7832% | 2,721 |
| Noncurrent loans to loans | 1.0576% | 2,221 |
| Net loans and leases to total assets | 69.0867% | 2,525 |
| Net loans and leases to deposits | 79.2389% | 2,915 |
| Net loans and leases to core deposits | 93.7341% | 2,068 |
| Total domestic deposits to total assets | 87.1879% | 2,038 |
| Equity capital to assets | 9.9929% | 3,963 |
| Core capital (leverage) ratio | 9.1502% | 4,685 |
| Tier 1 risk-based capital ratio | 14.5434% | 3,421 |
| Total risk-based capital ratio | 15.3957% | 3,553 |
| Memoranda: |
| Average total assets | $1,262,092,800 | 563 |
| Average earning assets | $1,141,106,800 | 564 |
| Average equity | $136,916,000 | 552 |
| Average total loans | $877,634,400 | 541 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6567% | 4,554 |
| Cost of funding earning assets | 0.6055% | 1,374 |
| Net interest margin | 3.0512% | 5,072 |
| Noninterest income to average assets | 0.6113% | 2,686 |
| Noninterest expense to average assets | 2.2826% | 4,825 |
| Loan and lease loss provision to assets | 0.1116% | 2,020 |
| Net operating income to assets | 0.7163% | 3,840 |
| Return on assets (ROA) | 0.7190% | 3,925 |
| Pretax return on assets | 0.9734% | 3,722 |
| Return on Equity (ROE) | 6.4805% | 3,924 |
| Retained earnings to average equity (ytd only) | 6.4805% | 1,972 |
| Net charge-offs to loans | 0.0556% | 2,805 |
| Credit loss provision to net charge-offs | 288.7324% | 994 |
| Earnings coverage of net charge-offs (x) | 27.9719% | 1,562 |
| Efficiency ratio | 67.3281% | 3,663 |
| Assets per employee ($millions) | 6.3526% | 1,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7532% | 5,618 |
| Loan loss allowance to noncurrent loans | 62.9753% | 4,599 |
| Noncurrent assets plus other real estate owned to assets | 0.8280% | 2,803 |
| Noncurrent loans to loans | 1.1960% | 2,135 |
| Net loans and leases to total assets | 64.7171% | 3,199 |
| Net loans and leases to deposits | 74.0434% | 3,544 |
| Net loans and leases to core deposits | 87.3037% | 2,724 |
| Total domestic deposits to total assets | 87.4043% | 1,843 |
| Equity capital to assets | 9.8390% | 4,353 |
| Core capital (leverage) ratio | 9.1563% | 4,798 |
| Tier 1 risk-based capital ratio | 14.9143% | 3,339 |
| Total risk-based capital ratio | 15.7623% | 3,482 |
| Memoranda: |
| Average total assets | $1,224,425,250 | 577 |
| Average earning assets | $1,104,569,750 | 586 |
| Average equity | $135,851,000 | 556 |
| Average total loans | $851,146,750 | 557 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5703% | 4,807 |
| Cost of funding earning assets | 0.5916% | 1,478 |
| Net interest margin | 2.9787% | 5,274 |
| Noninterest income to average assets | 0.4386% | 3,783 |
| Noninterest expense to average assets | 2.1998% | 5,116 |
| Loan and lease loss provision to assets | 0.0907% | 2,305 |
| Net operating income to assets | 0.5683% | 4,480 |
| Return on assets (ROA) | 0.5725% | 4,562 |
| Pretax return on assets | 0.8381% | 4,176 |
| Return on Equity (ROE) | 4.9454% | 4,638 |
| Retained earnings to average equity (ytd only) | 4.9454% | 2,888 |
| Net charge-offs to loans | 0.0572% | 2,581 |
| Credit loss provision to net charge-offs | 222.4576% | 1,129 |
| Earnings coverage of net charge-offs (x) | 22.6356% | 1,638 |
| Efficiency ratio | 70.4486% | 3,266 |
| Assets per employee ($millions) | 6.0803% | 1,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7192% | 5,768 |
| Loan loss allowance to noncurrent loans | 72.7193% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 0.7150% | 3,250 |
| Noncurrent loans to loans | 0.9891% | 2,666 |
| Net loans and leases to total assets | 66.0858% | 2,932 |
| Net loans and leases to deposits | 77.0604% | 3,151 |
| Net loans and leases to core deposits | 88.1628% | 2,536 |
| Total domestic deposits to total assets | 85.7584% | 2,814 |
| Equity capital to assets | 9.8058% | 4,271 |
| Core capital (leverage) ratio | 11.4809% | 2,008 |
| Tier 1 risk-based capital ratio | 14.4870% | 3,649 |
| Total risk-based capital ratio | 15.2924% | 3,840 |
| Memoranda: |
| Average total assets | $1,157,829,000 | 612 |
| Average earning assets | $1,043,279,000 | 619 |
| Average equity | $134,024,670 | 566 |
| Average total loans | $825,409,000 | 568 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9119% | 3,550 |
| Cost of funding earning assets | 0.6448% | 1,157 |
| Net interest margin | 3.2670% | 4,357 |
| Noninterest income to average assets | 0.4640% | 3,543 |
| Noninterest expense to average assets | 2.4391% | 4,478 |
| Loan and lease loss provision to assets | 0.1147% | 1,800 |
| Net operating income to assets | 0.5942% | 4,314 |
| Return on assets (ROA) | 0.6054% | 4,360 |
| Pretax return on assets | 0.8912% | 3,920 |
| Return on Equity (ROE) | 4.7509% | 4,639 |
| Retained earnings to average equity (ytd only) | 4.7509% | 3,190 |
| Net charge-offs to loans | 0.0272% | 2,629 |
| Credit loss provision to net charge-offs | 566.0377% | 492 |
| Earnings coverage of net charge-offs (x) | 48.8491% | 850 |
| Efficiency ratio | 71.1403% | 3,303 |
| Assets per employee ($millions) | 5.8550% | 1,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8373% | 5,601 |
| Loan loss allowance to noncurrent loans | 73.9664% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 0.9188% | 2,800 |
| Noncurrent loans to loans | 1.1320% | 2,510 |
| Net loans and leases to total assets | 73.7839% | 1,538 |
| Net loans and leases to deposits | 88.1661% | 1,595 |
| Net loans and leases to core deposits | 99.3298% | 1,371 |
| Total domestic deposits to total assets | 83.6874% | 3,936 |
| Equity capital to assets | 12.7704% | 1,528 |
| Core capital (leverage) ratio | 12.6446% | 1,294 |
| Tier 1 risk-based capital ratio | 19.9551% | 1,631 |
| Total risk-based capital ratio | 20.9511% | 1,654 |
| Memoranda: |
| Average total assets | $1,046,624,500 | 676 |
| Average earning assets | $949,725,500 | 675 |
| Average equity | $133,365,000 | 569 |
| Average total loans | $778,739,000 | 595 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9976% | 3,737 |
| Cost of funding earning assets | 0.6659% | 1,294 |
| Net interest margin | 3.3317% | 4,471 |
| Noninterest income to average assets | 0.5219% | 3,346 |
| Noninterest expense to average assets | 2.3962% | 4,851 |
| Loan and lease loss provision to assets | 0.1538% | 1,710 |
| Net operating income to assets | 0.6928% | 3,931 |
| Return on assets (ROA) | 0.6922% | 4,048 |
| Pretax return on assets | 0.9812% | 3,574 |
| Return on Equity (ROE) | 5.5173% | 4,397 |
| Retained earnings to average equity (ytd only) | 5.5173% | 2,250 |
| Net charge-offs to loans | 0.1370% | 2,648 |
| Credit loss provision to net charge-offs | 152.4878% | 1,588 |
| Earnings coverage of net charge-offs (x) | 11.2615% | 2,514 |
| Efficiency ratio | 67.8396% | 3,925 |
| Assets per employee ($millions) | 5.7741% | 1,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8202% | 5,725 |
| Loan loss allowance to noncurrent loans | 78.3861% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 0.8465% | 3,093 |
| Noncurrent loans to loans | 1.0464% | 2,731 |
| Net loans and leases to total assets | 73.7924% | 1,621 |
| Net loans and leases to deposits | 88.1729% | 1,718 |
| Net loans and leases to core deposits | 99.5084% | 1,425 |
| Total domestic deposits to total assets | 83.6905% | 3,845 |
| Equity capital to assets | 12.7140% | 1,527 |
| Core capital (leverage) ratio | 12.9034% | 1,177 |
| Tier 1 risk-based capital ratio | 20.6611% | 1,478 |
| Total risk-based capital ratio | 21.6694% | 1,492 |
| Memoranda: |
| Average total assets | $1,016,154,000 | 665 |
| Average earning assets | $918,121,000 | 666 |
| Average equity | $127,489,200 | 570 |
| Average total loans | $748,247,800 | 579 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0106% | 3,716 |
| Cost of funding earning assets | 0.6649% | 1,356 |
| Net interest margin | 3.3457% | 4,447 |
| Noninterest income to average assets | 0.5178% | 3,425 |
| Noninterest expense to average assets | 2.4079% | 4,800 |
| Loan and lease loss provision to assets | 0.1000% | 2,371 |
| Net operating income to assets | 0.7275% | 3,801 |
| Return on assets (ROA) | 0.7267% | 3,910 |
| Pretax return on assets | 1.0304% | 3,466 |
| Return on Equity (ROE) | 5.8123% | 4,332 |
| Retained earnings to average equity (ytd only) | 5.8123% | 2,526 |
| Net charge-offs to loans | 0.1048% | 2,750 |
| Credit loss provision to net charge-offs | 130.0172% | 1,776 |
| Earnings coverage of net charge-offs (x) | 14.7068% | 2,120 |
| Efficiency ratio | 68.0325% | 3,846 |
| Assets per employee ($millions) | 5.6708% | 1,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7868% | 5,904 |
| Loan loss allowance to noncurrent loans | 64.4327% | 4,656 |
| Noncurrent assets plus other real estate owned to assets | 0.9632% | 3,040 |
| Noncurrent loans to loans | 1.2211% | 2,606 |
| Net loans and leases to total assets | 73.8767% | 1,547 |
| Net loans and leases to deposits | 88.5457% | 1,603 |
| Net loans and leases to core deposits | 100.1972% | 1,352 |
| Total domestic deposits to total assets | 83.4333% | 3,980 |
| Equity capital to assets | 12.7254% | 1,569 |
| Core capital (leverage) ratio | 12.8292% | 1,256 |
| Tier 1 risk-based capital ratio | 20.6018% | 1,528 |
| Total risk-based capital ratio | 21.5608% | 1,559 |
| Memoranda: |
| Average total assets | $1,010,356,000 | 663 |
| Average earning assets | $912,460,000 | 670 |
| Average equity | $126,326,000 | 570 |
| Average total loans | $741,984,500 | 585 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0268% | 3,628 |
| Cost of funding earning assets | 0.6619% | 1,423 |
| Net interest margin | 3.3649% | 4,336 |
| Noninterest income to average assets | 0.5248% | 3,307 |
| Noninterest expense to average assets | 2.3865% | 4,917 |
| Loan and lease loss provision to assets | 0.0987% | 2,380 |
| Net operating income to assets | 0.7639% | 3,494 |
| Return on assets (ROA) | 0.7657% | 3,590 |
| Pretax return on assets | 1.0825% | 3,172 |
| Return on Equity (ROE) | 6.1613% | 4,067 |
| Retained earnings to average equity (ytd only) | 6.1613% | 2,228 |
| Net charge-offs to loans | 0.1247% | 2,424 |
| Credit loss provision to net charge-offs | 108.2789% | 1,849 |
| Earnings coverage of net charge-offs (x) | 12.9281% | 2,021 |
| Efficiency ratio | 66.9397% | 4,209 |
| Assets per employee ($millions) | 5.4717% | 1,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7810% | 6,021 |
| Loan loss allowance to noncurrent loans | 70.9532% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 0.8903% | 3,319 |
| Noncurrent loans to loans | 1.1008% | 3,025 |
| Net loans and leases to total assets | 73.3283% | 1,531 |
| Net loans and leases to deposits | 88.2147% | 1,571 |
| Net loans and leases to core deposits | 100.1983% | 1,271 |
| Total domestic deposits to total assets | 83.1248% | 4,256 |
| Equity capital to assets | 12.7056% | 1,537 |
| Core capital (leverage) ratio | 12.7017% | 1,285 |
| Tier 1 risk-based capital ratio | 20.5544% | 1,554 |
| Total risk-based capital ratio | 21.4942% | 1,598 |
| Memoranda: |
| Average total assets | $1,006,894,000 | 667 |
| Average earning assets | $909,800,670 | 669 |
| Average equity | $125,136,670 | 571 |
| Average total loans | $735,956,000 | 589 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0406% | 3,520 |
| Cost of funding earning assets | 0.6556% | 1,553 |
| Net interest margin | 3.3849% | 4,196 |
| Noninterest income to average assets | 0.4943% | 3,458 |
| Noninterest expense to average assets | 2.3923% | 4,950 |
| Loan and lease loss provision to assets | 0.0797% | 2,554 |
| Net operating income to assets | 0.7417% | 3,471 |
| Return on assets (ROA) | 0.7381% | 3,582 |
| Pretax return on assets | 1.0711% | 3,028 |
| Return on Equity (ROE) | 6.0066% | 4,019 |
| Retained earnings to average equity (ytd only) | 6.0066% | 2,539 |
| Net charge-offs to loans | 0.1080% | 2,102 |
| Credit loss provision to net charge-offs | 101.5228% | 1,636 |
| Earnings coverage of net charge-offs (x) | 14.7310% | 1,587 |
| Efficiency ratio | 67.4225% | 4,290 |
| Assets per employee ($millions) | 5.3517% | 1,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7920% | 6,121 |
| Loan loss allowance to noncurrent loans | 51.9592% | 5,109 |
| Noncurrent assets plus other real estate owned to assets | 1.2158% | 2,831 |
| Noncurrent loans to loans | 1.5242% | 2,517 |
| Net loans and leases to total assets | 72.3124% | 1,534 |
| Net loans and leases to deposits | 86.4862% | 1,534 |
| Net loans and leases to core deposits | 98.5367% | 1,201 |
| Total domestic deposits to total assets | 83.6115% | 4,414 |
| Equity capital to assets | 12.4286% | 1,618 |
| Core capital (leverage) ratio | 12.4984% | 1,386 |
| Tier 1 risk-based capital ratio | 20.4553% | 1,600 |
| Total risk-based capital ratio | 21.4114% | 1,651 |
| Memoranda: |
| Average total assets | $1,004,204,500 | 671 |
| Average earning assets | $906,013,000 | 679 |
| Average equity | $123,397,500 | 583 |
| Average total loans | $729,871,000 | 595 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0732% | 3,836 |
| Cost of funding earning assets | 0.6879% | 1,902 |
| Net interest margin | 3.3853% | 4,335 |
| Noninterest income to average assets | 0.4759% | 3,920 |
| Noninterest expense to average assets | 2.3732% | 5,149 |
| Loan and lease loss provision to assets | 0.1683% | 2,175 |
| Net operating income to assets | 0.6923% | 3,829 |
| Return on assets (ROA) | 0.6884% | 3,950 |
| Pretax return on assets | 0.9840% | 3,418 |
| Return on Equity (ROE) | 5.5623% | 4,352 |
| Retained earnings to average equity (ytd only) | 5.5623% | 2,240 |
| Net charge-offs to loans | 0.0588% | 4,398 |
| Credit loss provision to net charge-offs | 403.1707% | 562 |
| Earnings coverage of net charge-offs (x) | 27.7341% | 1,263 |
| Efficiency ratio | 67.2107% | 4,342 |
| Assets per employee ($millions) | 5.3032% | 1,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7992% | 6,181 |
| Loan loss allowance to noncurrent loans | 44.9512% | 5,460 |
| Noncurrent assets plus other real estate owned to assets | 1.3824% | 2,676 |
| Noncurrent loans to loans | 1.7778% | 2,263 |
| Net loans and leases to total assets | 71.8934% | 1,701 |
| Net loans and leases to deposits | 86.8933% | 1,587 |
| Net loans and leases to core deposits | 99.6295% | 1,186 |
| Total domestic deposits to total assets | 82.7376% | 4,632 |
| Equity capital to assets | 12.1470% | 1,717 |
| Core capital (leverage) ratio | 12.3352% | 1,432 |
| Tier 1 risk-based capital ratio | 20.1907% | 1,613 |
| Total risk-based capital ratio | 21.1628% | 1,649 |
| Memoranda: |
| Average total assets | $982,124,000 | 668 |
| Average earning assets | $886,337,000 | 675 |
| Average equity | $121,550,800 | 580 |
| Average total loans | $697,158,600 | 600 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0789% | 3,842 |
| Cost of funding earning assets | 0.6968% | 1,976 |
| Net interest margin | 3.3821% | 4,350 |
| Noninterest income to average assets | 0.4824% | 3,922 |
| Noninterest expense to average assets | 2.3401% | 5,215 |
| Loan and lease loss provision to assets | 0.1161% | 2,841 |
| Net operating income to assets | 0.7324% | 3,683 |
| Return on assets (ROA) | 0.7299% | 3,828 |
| Pretax return on assets | 1.0757% | 3,204 |
| Return on Equity (ROE) | 5.8698% | 4,254 |
| Retained earnings to average equity (ytd only) | 5.8698% | 2,496 |
| Net charge-offs to loans | 0.0443% | 4,275 |
| Credit loss provision to net charge-offs | 371.6157% | 708 |
| Earnings coverage of net charge-offs (x) | 38.2571% | 1,038 |
| Efficiency ratio | 66.1868% | 4,447 |
| Assets per employee ($millions) | 5.5275% | 1,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7250% | 6,409 |
| Loan loss allowance to noncurrent loans | 33.7083% | 5,856 |
| Noncurrent assets plus other real estate owned to assets | 1.6635% | 2,470 |
| Noncurrent loans to loans | 2.1509% | 2,065 |
| Net loans and leases to total assets | 70.9480% | 1,792 |
| Net loans and leases to deposits | 87.1845% | 1,474 |
| Net loans and leases to core deposits | 99.8647% | 1,125 |
| Total domestic deposits to total assets | 81.3768% | 5,114 |
| Equity capital to assets | 12.1588% | 1,815 |
| Core capital (leverage) ratio | 12.5316% | 1,408 |
| Tier 1 risk-based capital ratio | 20.1716% | 1,694 |
| Total risk-based capital ratio | 21.0506% | 1,748 |
| Memoranda: |
| Average total assets | $977,080,500 | 676 |
| Average earning assets | $882,078,250 | 681 |
| Average equity | $121,501,250 | 590 |
| Average total loans | $689,850,500 | 608 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1399% | 3,584 |
| Cost of funding earning assets | 0.7172% | 1,937 |
| Net interest margin | 3.4227% | 4,100 |
| Noninterest income to average assets | 0.4754% | 3,992 |
| Noninterest expense to average assets | 2.2967% | 5,381 |
| Loan and lease loss provision to assets | 0.1446% | 2,530 |
| Net operating income to assets | 0.7589% | 3,517 |
| Return on assets (ROA) | 0.7550% | 3,689 |
| Pretax return on assets | 1.1221% | 3,008 |
| Return on Equity (ROE) | 6.0254% | 4,159 |
| Retained earnings to average equity (ytd only) | 6.0254% | 2,425 |
| Net charge-offs to loans | 0.0599% | 3,848 |
| Credit loss provision to net charge-offs | 343.6275% | 759 |
| Earnings coverage of net charge-offs (x) | 30.2304% | 1,143 |
| Efficiency ratio | 64.3485% | 4,820 |
| Assets per employee ($millions) | 5.4187% | 1,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7389% | 6,449 |
| Loan loss allowance to noncurrent loans | 31.1841% | 5,969 |
| Noncurrent assets plus other real estate owned to assets | 1.7949% | 2,422 |
| Noncurrent loans to loans | 2.3695% | 1,995 |
| Net loans and leases to total assets | 70.0650% | 1,865 |
| Net loans and leases to deposits | 84.6246% | 1,719 |
| Net loans and leases to core deposits | 96.5078% | 1,307 |
| Total domestic deposits to total assets | 82.7951% | 4,781 |
| Equity capital to assets | 12.3823% | 1,648 |
| Core capital (leverage) ratio | 12.4399% | 1,394 |
| Tier 1 risk-based capital ratio | 20.5803% | 1,594 |
| Total risk-based capital ratio | 21.4675% | 1,650 |
| Memoranda: |
| Average total assets | $969,284,000 | 679 |
| Average earning assets | $876,159,330 | 684 |
| Average equity | $121,453,330 | 591 |
| Average total loans | $681,468,330 | 613 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2222% | 3,206 |
| Cost of funding earning assets | 0.7303% | 1,993 |
| Net interest margin | 3.4919% | 3,731 |
| Noninterest income to average assets | 0.4607% | 4,046 |
| Noninterest expense to average assets | 2.2767% | 5,484 |
| Loan and lease loss provision to assets | 0.0706% | 3,452 |
| Net operating income to assets | 0.8492% | 2,906 |
| Return on assets (ROA) | 0.8384% | 3,098 |
| Pretax return on assets | 1.2554% | 2,394 |
| Return on Equity (ROE) | 6.6520% | 3,690 |
| Retained earnings to average equity (ytd only) | 6.6520% | 2,342 |
| Net charge-offs to loans | 0.0906% | 2,936 |
| Credit loss provision to net charge-offs | 111.0390% | 1,683 |
| Earnings coverage of net charge-offs (x) | 21.1104% | 1,167 |
| Efficiency ratio | 62.9135% | 5,165 |
| Assets per employee ($millions) | 5.5832% | 1,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6748% | 6,628 |
| Loan loss allowance to noncurrent loans | 28.3301% | 6,085 |
| Noncurrent assets plus other real estate owned to assets | 1.7698% | 2,640 |
| Noncurrent loans to loans | 2.3819% | 2,182 |
| Net loans and leases to total assets | 69.3793% | 1,768 |
| Net loans and leases to deposits | 83.6533% | 1,635 |
| Net loans and leases to core deposits | 94.3453% | 1,321 |
| Total domestic deposits to total assets | 82.9367% | 4,874 |
| Equity capital to assets | 12.6357% | 1,627 |
| Core capital (leverage) ratio | 12.4397% | 1,363 |
| Tier 1 risk-based capital ratio | 20.8461% | 1,575 |
| Total risk-based capital ratio | 21.7442% | 1,624 |
| Memoranda: |
| Average total assets | $968,948,500 | 686 |
| Average earning assets | $876,314,000 | 691 |
| Average equity | $122,128,500 | 597 |
| Average total loans | $679,873,500 | 616 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3241% | 4,109 |
| Cost of funding earning assets | 0.8966% | 1,954 |
| Net interest margin | 3.4275% | 4,791 |
| Noninterest income to average assets | 0.4895% | 3,971 |
| Noninterest expense to average assets | 2.3652% | 5,514 |
| Loan and lease loss provision to assets | 0.0712% | 4,849 |
| Net operating income to assets | 0.8168% | 3,208 |
| Return on assets (ROA) | 0.8731% | 3,186 |
| Pretax return on assets | 1.2703% | 2,522 |
| Return on Equity (ROE) | 6.9829% | 3,646 |
| Retained earnings to average equity (ytd only) | 6.9829% | 1,574 |
| Net charge-offs to loans | 0.0327% | 5,462 |
| Credit loss provision to net charge-offs | 312.3288% | 775 |
| Earnings coverage of net charge-offs (x) | 55.2694% | 633 |
| Efficiency ratio | 65.2454% | 4,659 |
| Assets per employee ($millions) | 5.5224% | 1,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6697% | 6,672 |
| Loan loss allowance to noncurrent loans | 27.1612% | 6,178 |
| Noncurrent assets plus other real estate owned to assets | 1.8173% | 2,691 |
| Noncurrent loans to loans | 2.4658% | 2,152 |
| Net loans and leases to total assets | 70.0112% | 1,838 |
| Net loans and leases to deposits | 84.8697% | 1,651 |
| Net loans and leases to core deposits | 96.1264% | 1,289 |
| Total domestic deposits to total assets | 82.4925% | 4,934 |
| Equity capital to assets | 12.5726% | 1,651 |
| Core capital (leverage) ratio | 12.1520% | 1,479 |
| Tier 1 risk-based capital ratio | 20.5526% | 1,553 |
| Total risk-based capital ratio | 21.4492% | 1,603 |
| Memoranda: |
| Average total assets | $960,707,600 | 684 |
| Average earning assets | $878,888,800 | 675 |
| Average equity | $120,121,800 | 598 |
| Average total loans | $670,676,200 | 616 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3599% | 4,207 |
| Cost of funding earning assets | 0.9280% | 1,994 |
| Net interest margin | 3.4320% | 4,914 |
| Noninterest income to average assets | 0.4695% | 4,139 |
| Noninterest expense to average assets | 2.2072% | 5,934 |
| Loan and lease loss provision to assets | 0.0687% | 4,816 |
| Net operating income to assets | 0.8914% | 3,030 |
| Return on assets (ROA) | 0.8551% | 3,439 |
| Pretax return on assets | 1.2876% | 2,649 |
| Return on Equity (ROE) | 6.8482% | 3,885 |
| Retained earnings to average equity (ytd only) | 6.8482% | 2,207 |
| Net charge-offs to loans | 0.0369% | 5,133 |
| Credit loss provision to net charge-offs | 267.0270% | 1,024 |
| Earnings coverage of net charge-offs (x) | 54.8866% | 702 |
| Efficiency ratio | 60.9972% | 5,313 |
| Assets per employee ($millions) | 5.5748% | 1,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6454% | 6,814 |
| Loan loss allowance to noncurrent loans | 33.1453% | 5,976 |
| Noncurrent assets plus other real estate owned to assets | 1.4768% | 3,386 |
| Noncurrent loans to loans | 1.9472% | 2,903 |
| Net loans and leases to total assets | 69.9250% | 1,913 |
| Net loans and leases to deposits | 85.3984% | 1,673 |
| Net loans and leases to core deposits | 96.5633% | 1,368 |
| Total domestic deposits to total assets | 81.8809% | 5,064 |
| Equity capital to assets | 12.7224% | 1,755 |
| Core capital (leverage) ratio | 12.2354% | 1,519 |
| Tier 1 risk-based capital ratio | 20.4067% | 1,654 |
| Total risk-based capital ratio | 21.3247% | 1,706 |
| Memoranda: |
| Average total assets | $959,279,500 | 693 |
| Average earning assets | $880,173,750 | 681 |
| Average equity | $119,776,250 | 599 |
| Average total loans | $668,054,250 | 619 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3907% | 4,223 |
| Cost of funding earning assets | 0.9587% | 2,004 |
| Net interest margin | 3.4320% | 4,963 |
| Noninterest income to average assets | 0.4704% | 4,131 |
| Noninterest expense to average assets | 2.1678% | 6,084 |
| Loan and lease loss provision to assets | 0.0720% | 4,728 |
| Net operating income to assets | 0.9155% | 2,833 |
| Return on assets (ROA) | 0.8775% | 3,262 |
| Pretax return on assets | 1.3234% | 2,465 |
| Return on Equity (ROE) | 7.0729% | 3,741 |
| Retained earnings to average equity (ytd only) | 7.0729% | 2,061 |
| Net charge-offs to loans | 0.0561% | 4,628 |
| Credit loss provision to net charge-offs | 184.9462% | 1,533 |
| Earnings coverage of net charge-offs (x) | 37.3280% | 923 |
| Efficiency ratio | 59.8717% | 5,596 |
| Assets per employee ($millions) | 5.5204% | 1,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6316% | 6,900 |
| Loan loss allowance to noncurrent loans | 33.7672% | 5,981 |
| Noncurrent assets plus other real estate owned to assets | 1.3956% | 3,634 |
| Noncurrent loans to loans | 1.8704% | 3,116 |
| Net loans and leases to total assets | 69.2951% | 2,056 |
| Net loans and leases to deposits | 84.9139% | 1,728 |
| Net loans and leases to core deposits | 95.3914% | 1,483 |
| Total domestic deposits to total assets | 81.6063% | 5,262 |
| Equity capital to assets | 12.5163% | 1,805 |
| Core capital (leverage) ratio | 12.1258% | 1,537 |
| Tier 1 risk-based capital ratio | 20.3739% | 1,615 |
| Total risk-based capital ratio | 21.2788% | 1,665 |
| Memoranda: |
| Average total assets | $955,701,330 | 694 |
| Average earning assets | $877,267,330 | 686 |
| Average equity | $118,565,330 | 603 |
| Average total loans | $663,176,330 | 630 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4291% | 4,203 |
| Cost of funding earning assets | 1.0069% | 1,940 |
| Net interest margin | 3.4222% | 5,019 |
| Noninterest income to average assets | 0.4722% | 4,126 |
| Noninterest expense to average assets | 2.1037% | 6,266 |
| Loan and lease loss provision to assets | 0.0505% | 4,778 |
| Net operating income to assets | 0.9657% | 2,612 |
| Return on assets (ROA) | 0.9435% | 2,935 |
| Pretax return on assets | 1.4236% | 2,109 |
| Return on Equity (ROE) | 7.6395% | 3,434 |
| Retained earnings to average equity (ytd only) | 7.6395% | 2,112 |
| Net charge-offs to loans | 0.1143% | 3,429 |
| Credit loss provision to net charge-offs | 63.8298% | 3,041 |
| Earnings coverage of net charge-offs (x) | 19.0585% | 1,238 |
| Efficiency ratio | 58.2498% | 5,878 |
| Assets per employee ($millions) | 5.8646% | 1,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6035% | 6,983 |
| Loan loss allowance to noncurrent loans | 45.3104% | 5,337 |
| Noncurrent assets plus other real estate owned to assets | 1.0689% | 4,357 |
| Noncurrent loans to loans | 1.3319% | 4,118 |
| Net loans and leases to total assets | 68.9940% | 1,948 |
| Net loans and leases to deposits | 85.1283% | 1,523 |
| Net loans and leases to core deposits | 94.8847% | 1,382 |
| Total domestic deposits to total assets | 81.0470% | 5,591 |
| Equity capital to assets | 12.3178% | 1,838 |
| Core capital (leverage) ratio | 12.0780% | 1,543 |
| Tier 1 risk-based capital ratio | 20.3020% | 1,639 |
| Total risk-based capital ratio | 21.1700% | 1,701 |
| Memoranda: |
| Average total assets | $950,517,000 | 700 |
| Average earning assets | $871,951,000 | 689 |
| Average equity | $117,390,000 | 612 |
| Average total loans | $657,917,500 | 632 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5979% | 4,687 |
| Cost of funding earning assets | 1.1466% | 2,367 |
| Net interest margin | 3.4514% | 5,324 |
| Noninterest income to average assets | 0.5176% | 3,739 |
| Noninterest expense to average assets | 2.2844% | 6,077 |
| Loan and lease loss provision to assets | 0.0524% | 5,933 |
| Net operating income to assets | 0.9124% | 2,547 |
| Return on assets (ROA) | 0.9306% | 2,598 |
| Pretax return on assets | 1.3603% | 1,913 |
| Return on Equity (ROE) | 7.7022% | 3,055 |
| Retained earnings to average equity (ytd only) | 7.7022% | 1,189 |
| Net charge-offs to loans | 0.1044% | 5,313 |
| Credit loss provision to net charge-offs | 74.4186% | 4,691 |
| Earnings coverage of net charge-offs (x) | 19.6667% | 1,160 |
| Efficiency ratio | 62.2392% | 5,421 |
| Assets per employee ($millions) | 5.7622% | 1,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6320% | 6,985 |
| Loan loss allowance to noncurrent loans | 57.7612% | 4,620 |
| Noncurrent assets plus other real estate owned to assets | 0.8964% | 4,821 |
| Noncurrent loans to loans | 1.0942% | 4,524 |
| Net loans and leases to total assets | 68.5798% | 2,296 |
| Net loans and leases to deposits | 85.0773% | 1,796 |
| Net loans and leases to core deposits | 94.1715% | 1,674 |
| Total domestic deposits to total assets | 80.6089% | 5,558 |
| Equity capital to assets | 12.3833% | 1,867 |
| Core capital (leverage) ratio | 12.0157% | 1,585 |
| Tier 1 risk-based capital ratio | 21.2960% | 1,361 |
| Total risk-based capital ratio | 22.1908% | 1,407 |
| Memoranda: |
| Average total assets | $915,249,200 | 716 |
| Average earning assets | $836,069,400 | 708 |
| Average equity | $110,579,000 | 626 |
| Average total loans | $618,031,800 | 675 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6197% | 4,789 |
| Cost of funding earning assets | 1.1717% | 2,498 |
| Net interest margin | 3.4480% | 5,401 |
| Noninterest income to average assets | 0.5107% | 3,792 |
| Noninterest expense to average assets | 2.1875% | 6,308 |
| Loan and lease loss provision to assets | 0.0528% | 5,788 |
| Net operating income to assets | 0.9400% | 2,568 |
| Return on assets (ROA) | 0.9115% | 2,830 |
| Pretax return on assets | 1.3746% | 2,027 |
| Return on Equity (ROE) | 7.5933% | 3,232 |
| Retained earnings to average equity (ytd only) | 7.5933% | 1,665 |
| Net charge-offs to loans | 0.0911% | 5,061 |
| Credit loss provision to net charge-offs | 86.3309% | 3,906 |
| Earnings coverage of net charge-offs (x) | 24.0502% | 1,094 |
| Efficiency ratio | 59.7988% | 5,757 |
| Assets per employee ($millions) | 5.7328% | 1,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6497% | 7,028 |
| Loan loss allowance to noncurrent loans | 106.6960% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 0.5553% | 5,721 |
| Noncurrent loans to loans | 0.6089% | 5,671 |
| Net loans and leases to total assets | 67.5365% | 2,565 |
| Net loans and leases to deposits | 83.5466% | 2,081 |
| Net loans and leases to core deposits | 92.9924% | 1,886 |
| Total domestic deposits to total assets | 80.8369% | 5,487 |
| Equity capital to assets | 12.1531% | 2,142 |
| Core capital (leverage) ratio | 11.8449% | 1,798 |
| Tier 1 risk-based capital ratio | 21.1207% | 1,431 |
| Total risk-based capital ratio | 22.0113% | 1,478 |
| Memoranda: |
| Average total assets | $909,250,500 | 727 |
| Average earning assets | $829,994,750 | 720 |
| Average equity | $109,146,500 | 639 |
| Average total loans | $610,482,500 | 690 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6226% | 4,878 |
| Cost of funding earning assets | 1.1891% | 2,653 |
| Net interest margin | 3.4335% | 5,428 |
| Noninterest income to average assets | 0.5144% | 3,751 |
| Noninterest expense to average assets | 2.1653% | 6,473 |
| Loan and lease loss provision to assets | 0.0533% | 5,652 |
| Net operating income to assets | 0.9485% | 2,441 |
| Return on assets (ROA) | 0.9185% | 2,660 |
| Pretax return on assets | 1.3856% | 1,839 |
| Return on Equity (ROE) | 7.6843% | 3,107 |
| Retained earnings to average equity (ytd only) | 7.6843% | 1,588 |
| Net charge-offs to loans | 0.1963% | 3,975 |
| Credit loss provision to net charge-offs | 40.6091% | 4,807 |
| Earnings coverage of net charge-offs (x) | 11.3130% | 1,728 |
| Efficiency ratio | 59.3284% | 5,976 |
| Assets per employee ($millions) | 5.6471% | 1,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6322% | 7,103 |
| Loan loss allowance to noncurrent loans | 85.3179% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 0.5403% | 5,839 |
| Noncurrent loans to loans | 0.7410% | 5,433 |
| Net loans and leases to total assets | 66.2699% | 2,973 |
| Net loans and leases to deposits | 82.4099% | 2,387 |
| Net loans and leases to core deposits | 91.6259% | 2,181 |
| Total domestic deposits to total assets | 80.4150% | 5,702 |
| Equity capital to assets | 11.9915% | 2,093 |
| Core capital (leverage) ratio | 11.9215% | 1,644 |
| Tier 1 risk-based capital ratio | 21.0814% | 1,405 |
| Total risk-based capital ratio | 22.0387% | 1,433 |
| Memoranda: |
| Average total assets | $900,853,330 | 741 |
| Average earning assets | $822,609,670 | 736 |
| Average equity | $107,674,000 | 648 |
| Average total loans | $602,238,000 | 714 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6562% | 4,716 |
| Cost of funding earning assets | 1.2122% | 2,731 |
| Net interest margin | 3.4440% | 5,249 |
| Noninterest income to average assets | 0.5071% | 3,828 |
| Noninterest expense to average assets | 2.1783% | 6,469 |
| Loan and lease loss provision to assets | 0.0540% | 5,329 |
| Net operating income to assets | 0.9471% | 2,370 |
| Return on assets (ROA) | 0.9070% | 2,591 |
| Pretax return on assets | 1.3573% | 1,860 |
| Return on Equity (ROE) | 7.6013% | 3,100 |
| Retained earnings to average equity (ytd only) | 7.6013% | 1,887 |
| Net charge-offs to loans | 0.0363% | 4,597 |
| Credit loss provision to net charge-offs | 222.2222% | 1,362 |
| Earnings coverage of net charge-offs (x) | 60.5000% | 489 |
| Efficiency ratio | 59.6866% | 6,029 |
| Assets per employee ($millions) | 5.6807% | 1,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7182% | 7,055 |
| Loan loss allowance to noncurrent loans | 89.3344% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 0.6128% | 5,747 |
| Noncurrent loans to loans | 0.8040% | 5,425 |
| Net loans and leases to total assets | 66.9861% | 2,758 |
| Net loans and leases to deposits | 83.5606% | 2,097 |
| Net loans and leases to core deposits | 92.1210% | 2,115 |
| Total domestic deposits to total assets | 80.1647% | 5,901 |
| Equity capital to assets | 12.0036% | 1,914 |
| Core capital (leverage) ratio | 12.0197% | 1,554 |
| Tier 1 risk-based capital ratio | 21.1632% | 1,365 |
| Total risk-based capital ratio | 22.1887% | 1,387 |
| Memoranda: |
| Average total assets | $888,215,500 | 756 |
| Average earning assets | $810,446,500 | 755 |
| Average equity | $105,982,500 | 653 |
| Average total loans | $594,532,000 | 729 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9243% | 4,906 |
| Cost of funding earning assets | 1.5043% | 2,614 |
| Net interest margin | 3.4200% | 5,548 |
| Noninterest income to average assets | 0.6077% | 3,423 |
| Noninterest expense to average assets | 2.3127% | 6,321 |
| Loan and lease loss provision to assets | 0.0797% | 6,357 |
| Net operating income to assets | 0.9448% | 2,220 |
| Return on assets (ROA) | 0.8904% | 2,561 |
| Pretax return on assets | 1.2709% | 2,014 |
| Return on Equity (ROE) | 7.3407% | 2,955 |
| Retained earnings to average equity (ytd only) | 7.3407% | 1,192 |
| Net charge-offs to loans | 0.0176% | 6,643 |
| Credit loss provision to net charge-offs | 646.1538% | 327 |
| Earnings coverage of net charge-offs (x) | 115.7596% | 222 |
| Efficiency ratio | 61.8222% | 5,756 |
| Assets per employee ($millions) | 5.7815% | 1,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7257% | 7,099 |
| Loan loss allowance to noncurrent loans | 83.9472% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 0.6125% | 5,796 |
| Noncurrent loans to loans | 0.8644% | 5,333 |
| Net loans and leases to total assets | 65.9142% | 3,483 |
| Net loans and leases to deposits | 82.7593% | 2,669 |
| Net loans and leases to core deposits | 91.4514% | 2,562 |
| Total domestic deposits to total assets | 79.6457% | 5,927 |
| Equity capital to assets | 11.8599% | 1,997 |
| Core capital (leverage) ratio | 12.0243% | 1,529 |
| Tier 1 risk-based capital ratio | 21.0311% | 1,314 |
| Total risk-based capital ratio | 21.9932% | 1,336 |
| Memoranda: |
| Average total assets | $842,951,800 | 801 |
| Average earning assets | $772,259,600 | 790 |
| Average equity | $102,251,600 | 661 |
| Average total loans | $590,361,400 | 755 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9977% | 4,823 |
| Cost of funding earning assets | 1.5525% | 2,652 |
| Net interest margin | 3.4451% | 5,512 |
| Noninterest income to average assets | 0.6118% | 3,369 |
| Noninterest expense to average assets | 2.2872% | 6,366 |
| Loan and lease loss provision to assets | 0.0777% | 6,269 |
| Net operating income to assets | 0.9563% | 2,388 |
| Return on assets (ROA) | 0.8574% | 2,915 |
| Pretax return on assets | 1.2607% | 2,298 |
| Return on Equity (ROE) | 7.0270% | 3,333 |
| Retained earnings to average equity (ytd only) | 7.0270% | 1,830 |
| Net charge-offs to loans | 0.0219% | 6,366 |
| Credit loss provision to net charge-offs | 500.0000% | 580 |
| Earnings coverage of net charge-offs (x) | 95.5155% | 323 |
| Efficiency ratio | 60.6532% | 5,848 |
| Assets per employee ($millions) | 5.7333% | 1,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6953% | 7,206 |
| Loan loss allowance to noncurrent loans | 85.2192% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 0.5645% | 6,024 |
| Noncurrent loans to loans | 0.8159% | 5,587 |
| Net loans and leases to total assets | 68.7046% | 3,054 |
| Net loans and leases to deposits | 87.2556% | 2,115 |
| Net loans and leases to core deposits | 96.8564% | 2,161 |
| Total domestic deposits to total assets | 78.7395% | 6,081 |
| Equity capital to assets | 12.3925% | 1,916 |
| Core capital (leverage) ratio | 12.1765% | 1,572 |
| Tier 1 risk-based capital ratio | 21.0543% | 1,350 |
| Total risk-based capital ratio | 21.9877% | 1,384 |
| Memoranda: |
| Average total assets | $832,547,750 | 811 |
| Average earning assets | $763,458,500 | 799 |
| Average equity | $101,587,250 | 656 |
| Average total loans | $591,122,250 | 759 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0225% | 4,834 |
| Cost of funding earning assets | 1.6117% | 2,591 |
| Net interest margin | 3.4108% | 5,599 |
| Noninterest income to average assets | 0.6221% | 3,176 |
| Noninterest expense to average assets | 2.2429% | 6,535 |
| Loan and lease loss provision to assets | 0.0580% | 6,374 |
| Net operating income to assets | 1.0098% | 2,157 |
| Return on assets (ROA) | 0.9030% | 2,656 |
| Pretax return on assets | 1.3058% | 2,068 |
| Return on Equity (ROE) | 7.4404% | 3,131 |
| Retained earnings to average equity (ytd only) | 7.4404% | 1,658 |
| Net charge-offs to loans | 0.0199% | 6,066 |
| Credit loss provision to net charge-offs | 406.7797% | 895 |
| Earnings coverage of net charge-offs (x) | 106.4576% | 309 |
| Efficiency ratio | 59.6285% | 6,116 |
| Assets per employee ($millions) | 5.6509% | 1,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6549% | 7,328 |
| Loan loss allowance to noncurrent loans | 92.4380% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 0.5046% | 6,194 |
| Noncurrent loans to loans | 0.7084% | 5,833 |
| Net loans and leases to total assets | 70.7687% | 2,723 |
| Net loans and leases to deposits | 90.0123% | 1,850 |
| Net loans and leases to core deposits | 98.7842% | 2,142 |
| Total domestic deposits to total assets | 78.6212% | 6,126 |
| Equity capital to assets | 12.3884% | 1,876 |
| Core capital (leverage) ratio | 11.9751% | 1,655 |
| Tier 1 risk-based capital ratio | 20.6953% | 1,393 |
| Total risk-based capital ratio | 21.5934% | 1,425 |
| Memoranda: |
| Average total assets | $827,221,000 | 822 |
| Average earning assets | $761,410,330 | 806 |
| Average equity | $100,398,330 | 654 |
| Average total loans | $592,476,330 | 757 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0533% | 4,775 |
| Cost of funding earning assets | 1.6850% | 2,461 |
| Net interest margin | 3.3683% | 5,714 |
| Noninterest income to average assets | 0.5907% | 3,339 |
| Noninterest expense to average assets | 2.2372% | 6,589 |
| Loan and lease loss provision to assets | 0.0581% | 6,072 |
| Net operating income to assets | 0.9171% | 2,481 |
| Return on assets (ROA) | 0.8286% | 2,936 |
| Pretax return on assets | 1.2666% | 2,147 |
| Return on Equity (ROE) | 6.8991% | 3,396 |
| Retained earnings to average equity (ytd only) | 6.8991% | 2,178 |
| Net charge-offs to loans | 0.0088% | 5,472 |
| Credit loss provision to net charge-offs | 923.0769% | 504 |
| Earnings coverage of net charge-offs (x) | 231.9231% | 145 |
| Efficiency ratio | 60.4953% | 6,080 |
| Assets per employee ($millions) | 5.5408% | 1,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6450% | 7,435 |
| Loan loss allowance to noncurrent loans | 151.2292% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.3377% | 6,636 |
| Noncurrent loans to loans | 0.4265% | 6,445 |
| Net loans and leases to total assets | 71.1610% | 2,661 |
| Net loans and leases to deposits | 90.3007% | 1,861 |
| Net loans and leases to core deposits | 99.2094% | 2,211 |
| Total domestic deposits to total assets | 78.8045% | 6,122 |
| Equity capital to assets | 12.1398% | 1,960 |
| Core capital (leverage) ratio | 11.8646% | 1,715 |
| Tier 1 risk-based capital ratio | 20.2250% | 1,480 |
| Total risk-based capital ratio | 21.1029% | 1,516 |
| Memoranda: |
| Average total assets | $825,490,500 | 838 |
| Average earning assets | $761,565,000 | 825 |
| Average equity | $99,143,500 | 671 |
| Average total loans | $592,845,500 | 778 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2333% | 5,497 |
| Cost of funding earning assets | 2.0445% | 2,745 |
| Net interest margin | 3.1889% | 6,133 |
| Noninterest income to average assets | 0.6506% | 3,287 |
| Noninterest expense to average assets | 2.3879% | 6,501 |
| Loan and lease loss provision to assets | 0.0893% | 6,719 |
| Net operating income to assets | 0.8054% | 2,518 |
| Return on assets (ROA) | 0.7282% | 2,895 |
| Pretax return on assets | 1.0244% | 2,511 |
| Return on Equity (ROE) | 6.2325% | 3,110 |
| Retained earnings to average equity (ytd only) | 6.2325% | 1,260 |
| Net charge-offs to loans | 0.0242% | 6,899 |
| Credit loss provision to net charge-offs | 502.0979% | 609 |
| Earnings coverage of net charge-offs (x) | 68.6993% | 394 |
| Efficiency ratio | 66.1405% | 5,373 |
| Assets per employee ($millions) | 5.5027% | 1,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6237% | 7,525 |
| Loan loss allowance to noncurrent loans | 168.8838% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 0.2659% | 6,787 |
| Noncurrent loans to loans | 0.3693% | 6,539 |
| Net loans and leases to total assets | 71.5627% | 2,873 |
| Net loans and leases to deposits | 91.0663% | 2,035 |
| Net loans and leases to core deposits | 122.9119% | 1,719 |
| Total domestic deposits to total assets | 78.5830% | 6,098 |
| Equity capital to assets | 11.8806% | 2,092 |
| Core capital (leverage) ratio | 11.6425% | 1,846 |
| Tier 1 risk-based capital ratio | 19.8403% | 1,485 |
| Total risk-based capital ratio | 20.6980% | 1,527 |
| Memoranda: |
| Average total assets | $803,622,800 | 853 |
| Average earning assets | $745,910,000 | 834 |
| Average equity | $93,894,600 | 694 |
| Average total loans | $590,005,000 | 807 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2589% | 5,638 |
| Cost of funding earning assets | 2.1260% | 2,767 |
| Net interest margin | 3.1329% | 6,221 |
| Noninterest income to average assets | 0.6276% | 3,513 |
| Noninterest expense to average assets | 2.3869% | 6,458 |
| Loan and lease loss provision to assets | 0.0992% | 6,372 |
| Net operating income to assets | 0.7570% | 2,996 |
| Return on assets (ROA) | 0.6728% | 3,365 |
| Pretax return on assets | 0.9351% | 3,114 |
| Return on Equity (ROE) | 5.7839% | 3,613 |
| Retained earnings to average equity (ytd only) | 5.7839% | 2,054 |
| Net charge-offs to loans | 0.0267% | 6,505 |
| Credit loss provision to net charge-offs | 503.3898% | 779 |
| Earnings coverage of net charge-offs (x) | 58.4065% | 559 |
| Efficiency ratio | 67.4614% | 5,079 |
| Assets per employee ($millions) | 5.4715% | 1,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6222% | 7,542 |
| Loan loss allowance to noncurrent loans | 111.6082% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.4493% | 6,334 |
| Noncurrent loans to loans | 0.5575% | 6,198 |
| Net loans and leases to total assets | 72.3267% | 2,947 |
| Net loans and leases to deposits | 92.5781% | 2,138 |
| Net loans and leases to core deposits | 126.2750% | 1,711 |
| Total domestic deposits to total assets | 78.1251% | 6,047 |
| Equity capital to assets | 11.7079% | 2,429 |
| Core capital (leverage) ratio | 11.5604% | 2,038 |
| Tier 1 risk-based capital ratio | 19.6948% | 1,618 |
| Total risk-based capital ratio | 20.5459% | 1,654 |
| Memoranda: |
| Average total assets | $798,178,000 | 868 |
| Average earning assets | $741,534,500 | 852 |
| Average equity | $92,852,500 | 702 |
| Average total loans | $588,909,500 | 824 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3054% | 5,633 |
| Cost of funding earning assets | 2.2023% | 2,779 |
| Net interest margin | 3.1032% | 6,226 |
| Noninterest income to average assets | 0.6259% | 3,491 |
| Noninterest expense to average assets | 2.4467% | 6,308 |
| Loan and lease loss provision to assets | 0.0454% | 6,777 |
| Net operating income to assets | 0.7091% | 3,211 |
| Return on assets (ROA) | 0.6090% | 3,748 |
| Pretax return on assets | 0.8750% | 3,423 |
| Return on Equity (ROE) | 5.2464% | 3,975 |
| Retained earnings to average equity (ytd only) | 5.2464% | 2,372 |
| Net charge-offs to loans | 0.0262% | 6,109 |
| Credit loss provision to net charge-offs | 233.7662% | 1,979 |
| Earnings coverage of net charge-offs (x) | 54.7273% | 646 |
| Efficiency ratio | 69.7031% | 4,843 |
| Assets per employee ($millions) | 5.2723% | 1,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6228% | 7,590 |
| Loan loss allowance to noncurrent loans | 125.3675% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 0.4187% | 6,422 |
| Noncurrent loans to loans | 0.4968% | 6,281 |
| Net loans and leases to total assets | 73.0094% | 2,951 |
| Net loans and leases to deposits | 93.4687% | 2,178 |
| Net loans and leases to core deposits | 126.8467% | 1,792 |
| Total domestic deposits to total assets | 78.1111% | 6,045 |
| Equity capital to assets | 11.5177% | 2,528 |
| Core capital (leverage) ratio | 11.2691% | 2,214 |
| Tier 1 risk-based capital ratio | 19.1238% | 1,755 |
| Total risk-based capital ratio | 19.8994% | 1,804 |
| Memoranda: |
| Average total assets | $792,484,330 | 887 |
| Average earning assets | $736,603,000 | 870 |
| Average equity | $91,986,670 | 718 |
| Average total loans | $587,432,000 | 847 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3197% | 5,811 |
| Cost of funding earning assets | 2.3048% | 2,676 |
| Net interest margin | 3.0149% | 6,441 |
| Noninterest income to average assets | 0.6193% | 3,416 |
| Noninterest expense to average assets | 2.4024% | 6,186 |
| Loan and lease loss provision to assets | 0.0305% | 6,549 |
| Net operating income to assets | 0.6863% | 3,628 |
| Return on assets (ROA) | 0.6162% | 4,142 |
| Pretax return on assets | 0.8908% | 3,752 |
| Return on Equity (ROE) | 5.2881% | 4,337 |
| Retained earnings to average equity (ytd only) | 5.2881% | 2,967 |
| Net charge-offs to loans | 0.0702% | 4,491 |
| Credit loss provision to net charge-offs | 58.2524% | 4,549 |
| Earnings coverage of net charge-offs (x) | 19.5631% | 1,415 |
| Efficiency ratio | 70.1393% | 4,547 |
| Assets per employee ($millions) | 5.4114% | 1,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5981% | 7,658 |
| Loan loss allowance to noncurrent loans | 126.0652% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.3511% | 6,464 |
| Noncurrent loans to loans | 0.4744% | 6,233 |
| Net loans and leases to total assets | 73.5634% | 2,874 |
| Net loans and leases to deposits | 94.2340% | 2,232 |
| Net loans and leases to core deposits | 127.9869% | 1,788 |
| Total domestic deposits to total assets | 78.0646% | 5,993 |
| Equity capital to assets | 11.6047% | 2,521 |
| Core capital (leverage) ratio | 11.5589% | 2,108 |
| Tier 1 risk-based capital ratio | 19.2344% | 1,770 |
| Total risk-based capital ratio | 19.9785% | 1,826 |
| Memoranda: |
| Average total assets | $788,035,500 | 889 |
| Average earning assets | $733,427,500 | 872 |
| Average equity | $91,829,500 | 720 |
| Average total loans | $586,772,500 | 850 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6052% | 7,046 |
| Cost of funding earning assets | 2.7172% | 3,079 |
| Net interest margin | 2.8880% | 7,176 |
| Noninterest income to average assets | 0.5945% | 3,875 |
| Noninterest expense to average assets | 2.1717% | 7,049 |
| Loan and lease loss provision to assets | 0.0290% | 7,041 |
| Net operating income to assets | 0.7632% | 3,602 |
| Return on assets (ROA) | 0.0077% | 6,209 |
| Pretax return on assets | -0.0985% | 6,268 |
| Return on Equity (ROE) | 0.0657% | 6,210 |
| Retained earnings to average equity (ytd only) | 0.0657% | 5,197 |
| Net charge-offs to loans | 0.0345% | 6,327 |
| Credit loss provision to net charge-offs | 111.5000% | 4,835 |
| Earnings coverage of net charge-offs (x) | 42.7300% | 866 |
| Efficiency ratio | 66.1558% | 5,099 |
| Assets per employee ($millions) | 5.2389% | 1,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6094% | 7,662 |
| Loan loss allowance to noncurrent loans | 172.2571% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.2651% | 6,520 |
| Noncurrent loans to loans | 0.3538% | 6,310 |
| Net loans and leases to total assets | 74.4664% | 2,997 |
| Net loans and leases to deposits | 95.5474% | 2,517 |
| Net loans and leases to core deposits | 128.3597% | 1,976 |
| Total domestic deposits to total assets | 77.9366% | 5,734 |
| Equity capital to assets | 11.7022% | 2,500 |
| Core capital (leverage) ratio | 11.6551% | 2,150 |
| Tier 1 risk-based capital ratio | 19.4217% | 1,723 |
| Total risk-based capital ratio | 20.2006% | 1,780 |
| Memoranda: |
| Average total assets | $769,215,200 | 882 |
| Average earning assets | $716,001,600 | 849 |
| Average equity | $89,842,800 | 743 |
| Average total loans | $579,534,000 | 825 |
