| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8186% | 811 |
| Cost of funding earning assets | 3.1165% | 123 |
| Net interest margin | 2.7021% | 3,817 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 1.4816% | 4,339 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.9757% | 2,291 |
| Return on assets (ROA) | 0.9757% | 2,277 |
| Pretax return on assets | 1.1707% | 2,214 |
| Return on Equity (ROE) | 10.2600% | 2,417 |
| Retained earnings to average equity (ytd only) | 10.2611% | 950 |
| Net charge-offs to loans | 0.0391% | 1,528 |
| Credit loss provision to net charge-offs | 287.7709% | 983 |
| Earnings coverage of net charge-offs (x) | 38.8452% | 1,463 |
| Efficiency ratio | 53.4598% | 3,717 |
| Assets per employee ($millions) | 19.1603% | 111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9847% | 3,391 |
| Loan loss allowance to noncurrent loans | 294.7571% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.2791% | 1,826 |
| Noncurrent loans to loans | 0.3341% | 1,983 |
| Net loans and leases to total assets | 82.7200% | 372 |
| Net loans and leases to deposits | 97.0981% | 708 |
| Net loans and leases to core deposits | 135.1889% | 332 |
| Total domestic deposits to total assets | 85.2000% | 2,250 |
| Equity capital to assets | 9.5108% | 2,341 |
| Core capital (leverage) ratio | 9.7602% | 3,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2966% | 2,132 |
| Memoranda: |
| Average total assets | $1,945,505,800 | 588 |
| Average earning assets | $1,857,246,000 | 561 |
| Average equity | $184,990,200 | 574 |
| Average total loans | $1,652,190,800 | 484 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7006% | 789 |
| Cost of funding earning assets | 2.9594% | 122 |
| Net interest margin | 2.7412% | 3,821 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 1.5030% | 4,316 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 0.9866% | 2,405 |
| Return on assets (ROA) | 0.9866% | 2,393 |
| Pretax return on assets | 1.2065% | 2,284 |
| Return on Equity (ROE) | 10.3800% | 2,536 |
| Retained earnings to average equity (ytd only) | 10.3761% | 1,303 |
| Net charge-offs to loans | 0.0019% | 2,514 |
| Credit loss provision to net charge-offs | 6,095.6522% | 87 |
| Earnings coverage of net charge-offs (x) | 817.8261% | 193 |
| Efficiency ratio | 53.4935% | 3,626 |
| Assets per employee ($millions) | 20.8997% | 90 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0149% | 3,292 |
| Loan loss allowance to noncurrent loans | 370.7444% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.2314% | 2,104 |
| Noncurrent loans to loans | 0.2738% | 2,259 |
| Net loans and leases to total assets | 83.6600% | 308 |
| Net loans and leases to deposits | 98.3358% | 597 |
| Net loans and leases to core deposits | 135.3869% | 272 |
| Total domestic deposits to total assets | 85.0800% | 2,475 |
| Equity capital to assets | 9.5601% | 2,065 |
| Core capital (leverage) ratio | 9.8291% | 2,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3586% | 2,132 |
| Memoranda: |
| Average total assets | $1,919,344,750 | 593 |
| Average earning assets | $1,831,203,000 | 569 |
| Average equity | $182,491,500 | 576 |
| Average total loans | $1,637,026,750 | 489 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5467% | 783 |
| Cost of funding earning assets | 2.7468% | 115 |
| Net interest margin | 2.7999% | 3,821 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 1.5605% | 4,290 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.0183% | 2,368 |
| Return on assets (ROA) | 1.0183% | 2,357 |
| Pretax return on assets | 1.2462% | 2,234 |
| Return on Equity (ROE) | 10.7300% | 2,494 |
| Retained earnings to average equity (ytd only) | 10.7303% | 1,241 |
| Net charge-offs to loans | -0.0127% | 3,991 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.0847% | 3,525 |
| Assets per employee ($millions) | 19.7548% | 96 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9682% | 3,540 |
| Loan loss allowance to noncurrent loans | 1,997.6220% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.0409% | 3,366 |
| Noncurrent loans to loans | 0.0485% | 3,367 |
| Net loans and leases to total assets | 83.4700% | 307 |
| Net loans and leases to deposits | 98.0368% | 602 |
| Net loans and leases to core deposits | 131.2173% | 314 |
| Total domestic deposits to total assets | 85.1400% | 2,505 |
| Equity capital to assets | 9.4574% | 2,180 |
| Core capital (leverage) ratio | 9.8218% | 2,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2418% | 2,202 |
| Memoranda: |
| Average total assets | $1,897,301,000 | 590 |
| Average earning assets | $1,809,716,000 | 563 |
| Average equity | $180,051,000 | 576 |
| Average total loans | $1,623,315,333 | 475 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4036% | 710 |
| Cost of funding earning assets | 2.4275% | 114 |
| Net interest margin | 2.9761% | 3,648 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 1.6438% | 4,252 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.0528% | 2,370 |
| Return on assets (ROA) | 1.0528% | 2,340 |
| Pretax return on assets | 1.2852% | 2,218 |
| Return on Equity (ROE) | 11.0700% | 2,470 |
| Retained earnings to average equity (ytd only) | 11.0746% | 1,454 |
| Net charge-offs to loans | 0.0012% | 2,005 |
| Credit loss provision to net charge-offs | 5,340.0000% | 89 |
| Earnings coverage of net charge-offs (x) | 1,247.8000% | 79 |
| Efficiency ratio | 55.1667% | 3,492 |
| Assets per employee ($millions) | 17.0210% | 142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9748% | 3,622 |
| Loan loss allowance to noncurrent loans | 2,216.5738% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.0373% | 3,414 |
| Noncurrent loans to loans | 0.0440% | 3,422 |
| Net loans and leases to total assets | 84.0500% | 233 |
| Net loans and leases to deposits | 100.4174% | 427 |
| Net loans and leases to core deposits | 134.3481% | 235 |
| Total domestic deposits to total assets | 83.7000% | 3,158 |
| Equity capital to assets | 9.3622% | 2,248 |
| Core capital (leverage) ratio | 10.0170% | 2,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9274% | 2,418 |
| Memoranda: |
| Average total assets | $1,868,087,000 | 611 |
| Average earning assets | $1,781,918,500 | 582 |
| Average equity | $177,595,500 | 592 |
| Average total loans | $1,610,744,000 | 487 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2981% | 1,054 |
| Cost of funding earning assets | 1.0812% | 120 |
| Net interest margin | 3.2169% | 2,820 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 1.7010% | 4,178 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.2005% | 1,765 |
| Return on assets (ROA) | 1.2005% | 1,703 |
| Pretax return on assets | 1.4695% | 1,539 |
| Return on Equity (ROE) | 12.1100% | 2,099 |
| Retained earnings to average equity (ytd only) | 12.1062% | 647 |
| Net charge-offs to loans | 0.0166% | 1,784 |
| Credit loss provision to net charge-offs | 337.7682% | 851 |
| Earnings coverage of net charge-offs (x) | 106.8712% | 947 |
| Efficiency ratio | 52.8515% | 3,902 |
| Assets per employee ($millions) | 14.6194% | 220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0109% | 3,300 |
| Loan loss allowance to noncurrent loans | 2,107.8740% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.0420% | 3,381 |
| Noncurrent loans to loans | 0.0480% | 3,411 |
| Net loans and leases to total assets | 86.7600% | 115 |
| Net loans and leases to deposits | 102.7005% | 346 |
| Net loans and leases to core deposits | 132.0328% | 206 |
| Total domestic deposits to total assets | 84.4800% | 3,108 |
| Equity capital to assets | 9.6603% | 1,913 |
| Core capital (leverage) ratio | 9.8922% | 2,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7355% | 2,477 |
| Memoranda: |
| Average total assets | $1,640,985,200 | 660 |
| Average earning assets | $1,566,908,800 | 631 |
| Average equity | $162,727,000 | 632 |
| Average total loans | $1,407,035,400 | 509 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9782% | 1,310 |
| Cost of funding earning assets | 0.7652% | 182 |
| Net interest margin | 3.2130% | 2,585 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 1.7056% | 4,143 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.2195% | 1,635 |
| Return on assets (ROA) | 1.2195% | 1,608 |
| Pretax return on assets | 1.5038% | 1,396 |
| Return on Equity (ROE) | 12.2100% | 1,966 |
| Retained earnings to average equity (ytd only) | 12.2081% | 749 |
| Net charge-offs to loans | -0.0028% | 3,337 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.9378% | 3,921 |
| Assets per employee ($millions) | 15.4051% | 189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0531% | 3,233 |
| Loan loss allowance to noncurrent loans | 1,562.4502% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.0572% | 3,322 |
| Noncurrent loans to loans | 0.0674% | 3,394 |
| Net loans and leases to total assets | 83.9300% | 250 |
| Net loans and leases to deposits | 98.7264% | 419 |
| Net loans and leases to core deposits | 128.9833% | 159 |
| Total domestic deposits to total assets | 85.0100% | 3,286 |
| Equity capital to assets | 9.3481% | 1,982 |
| Core capital (leverage) ratio | 10.0046% | 2,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7788% | 2,561 |
| Memoranda: |
| Average total assets | $1,598,030,500 | 673 |
| Average earning assets | $1,526,622,250 | 651 |
| Average equity | $159,628,250 | 656 |
| Average total loans | $1,361,570,000 | 515 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7470% | 1,426 |
| Cost of funding earning assets | 0.6192% | 243 |
| Net interest margin | 3.1278% | 2,443 |
| Noninterest income to average assets | 0.2260% | 3,837 |
| Noninterest expense to average assets | 1.6179% | 4,284 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2948% | 1,151 |
| Return on assets (ROA) | 1.2948% | 1,132 |
| Pretax return on assets | 1.5951% | 947 |
| Return on Equity (ROE) | 12.6541% | 1,474 |
| Retained earnings to average equity (ytd only) | 12.6541% | 508 |
| Net charge-offs to loans | -0.0036% | 3,252 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3545% | 4,228 |
| Assets per employee ($millions) | 13.7760% | 247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1144% | 3,110 |
| Loan loss allowance to noncurrent loans | 1,686.4278% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.0571% | 3,407 |
| Noncurrent loans to loans | 0.0661% | 3,469 |
| Net loans and leases to total assets | 85.5089% | 108 |
| Net loans and leases to deposits | 99.8323% | 277 |
| Net loans and leases to core deposits | 132.8764% | 107 |
| Total domestic deposits to total assets | 85.6526% | 3,339 |
| Equity capital to assets | 9.8976% | 1,767 |
| Core capital (leverage) ratio | 10.0918% | 2,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3340% | 2,365 |
| Memoranda: |
| Average total assets | $1,545,314,333 | 681 |
| Average earning assets | $1,475,782,333 | 669 |
| Average equity | $158,114,333 | 667 |
| Average total loans | $1,318,903,333 | 520 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6185% | 1,455 |
| Cost of funding earning assets | 0.5253% | 438 |
| Net interest margin | 3.0932% | 2,195 |
| Noninterest income to average assets | 0.2629% | 3,551 |
| Noninterest expense to average assets | 1.6264% | 4,258 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2970% | 1,010 |
| Return on assets (ROA) | 1.2970% | 1,003 |
| Pretax return on assets | 1.5870% | 846 |
| Return on Equity (ROE) | 12.4594% | 1,175 |
| Retained earnings to average equity (ytd only) | 12.4594% | 535 |
| Net charge-offs to loans | -0.0037% | 3,258 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6133% | 4,283 |
| Assets per employee ($millions) | 13.4792% | 280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1890% | 2,914 |
| Loan loss allowance to noncurrent loans | 1,542.7435% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.0655% | 3,407 |
| Noncurrent loans to loans | 0.0771% | 3,459 |
| Net loans and leases to total assets | 83.9363% | 87 |
| Net loans and leases to deposits | 99.0540% | 198 |
| Net loans and leases to core deposits | 133.3544% | 79 |
| Total domestic deposits to total assets | 84.7379% | 3,602 |
| Equity capital to assets | 10.3749% | 1,641 |
| Core capital (leverage) ratio | 11.0621% | 1,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0061% | 2,199 |
| Memoranda: |
| Average total assets | $1,512,075,000 | 693 |
| Average earning assets | $1,442,247,000 | 681 |
| Average equity | $157,407,000 | 688 |
| Average total loans | $1,281,475,500 | 530 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6825% | 2,170 |
| Cost of funding earning assets | 0.6175% | 502 |
| Net interest margin | 3.0650% | 3,008 |
| Noninterest income to average assets | 0.7717% | 1,533 |
| Noninterest expense to average assets | 2.1495% | 3,231 |
| Loan and lease loss provision to assets | -0.1081% | 4,550 |
| Net operating income to assets | 1.3358% | 1,492 |
| Return on assets (ROA) | 1.3358% | 1,530 |
| Pretax return on assets | 1.6493% | 1,274 |
| Return on Equity (ROE) | 13.9473% | 1,205 |
| Retained earnings to average equity (ytd only) | 13.9473% | 310 |
| Net charge-offs to loans | -0.0067% | 3,623 |
| Credit loss provision to net charge-offs | 1,882.3529% | 321 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2400% | 3,410 |
| Assets per employee ($millions) | 10.6252% | 563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2331% | 2,722 |
| Loan loss allowance to noncurrent loans | 1,555.4664% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.0670% | 3,497 |
| Noncurrent loans to loans | 0.0793% | 3,530 |
| Net loans and leases to total assets | 83.5036% | 128 |
| Net loans and leases to deposits | 99.3714% | 208 |
| Net loans and leases to core deposits | 134.8664% | 81 |
| Total domestic deposits to total assets | 84.0318% | 3,554 |
| Equity capital to assets | 10.4462% | 2,224 |
| Core capital (leverage) ratio | 11.2903% | 1,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0226% | 2,242 |
| Memoranda: |
| Average total assets | $1,480,702,600 | 694 |
| Average earning assets | $1,410,147,600 | 676 |
| Average equity | $141,812,400 | 751 |
| Average total loans | $1,276,972,800 | 530 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6842% | 2,322 |
| Cost of funding earning assets | 0.6645% | 465 |
| Net interest margin | 3.0196% | 3,259 |
| Noninterest income to average assets | 0.9119% | 1,229 |
| Noninterest expense to average assets | 2.2764% | 2,821 |
| Loan and lease loss provision to assets | -0.1442% | 4,679 |
| Net operating income to assets | 1.3437% | 1,707 |
| Return on assets (ROA) | 1.3437% | 1,759 |
| Pretax return on assets | 1.6545% | 1,536 |
| Return on Equity (ROE) | 14.3571% | 1,298 |
| Retained earnings to average equity (ytd only) | 14.3571% | 475 |
| Net charge-offs to loans | -0.0067% | 3,521 |
| Credit loss provision to net charge-offs | 2,500.0000% | 275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1167% | 2,969 |
| Assets per employee ($millions) | 8.9217% | 917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2724% | 2,624 |
| Loan loss allowance to noncurrent loans | 1,531.8497% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.0750% | 3,603 |
| Noncurrent loans to loans | 0.0831% | 3,670 |
| Net loans and leases to total assets | 89.1987% | 25 |
| Net loans and leases to deposits | 103.5889% | 160 |
| Net loans and leases to core deposits | 142.6795% | 72 |
| Total domestic deposits to total assets | 86.1084% | 2,705 |
| Equity capital to assets | 11.1750% | 1,906 |
| Core capital (leverage) ratio | 11.0364% | 1,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2225% | 2,287 |
| Memoranda: |
| Average total assets | $1,478,997,000 | 701 |
| Average earning assets | $1,408,040,250 | 680 |
| Average equity | $138,418,000 | 774 |
| Average total loans | $1,281,804,750 | 537 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6272% | 2,541 |
| Cost of funding earning assets | 0.7151% | 429 |
| Net interest margin | 2.9121% | 3,550 |
| Noninterest income to average assets | 1.0624% | 974 |
| Noninterest expense to average assets | 2.3569% | 2,596 |
| Loan and lease loss provision to assets | -0.2101% | 4,769 |
| Net operating income to assets | 1.3752% | 1,641 |
| Return on assets (ROA) | 1.3752% | 1,714 |
| Pretax return on assets | 1.6895% | 1,506 |
| Return on Equity (ROE) | 15.5862% | 1,040 |
| Retained earnings to average equity (ytd only) | 15.5862% | 372 |
| Net charge-offs to loans | -0.0112% | 3,713 |
| Credit loss provision to net charge-offs | 2,191.7808% | 271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4371% | 2,806 |
| Assets per employee ($millions) | 8.0275% | 1,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1918% | 2,985 |
| Loan loss allowance to noncurrent loans | 4,738.8379% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.0218% | 4,126 |
| Noncurrent loans to loans | 0.0251% | 4,094 |
| Net loans and leases to total assets | 85.5823% | 93 |
| Net loans and leases to deposits | 109.3526% | 116 |
| Net loans and leases to core deposits | 148.2204% | 73 |
| Total domestic deposits to total assets | 78.2627% | 4,412 |
| Equity capital to assets | 9.7228% | 3,119 |
| Core capital (leverage) ratio | 9.7152% | 2,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0978% | 2,330 |
| Memoranda: |
| Average total assets | $1,522,939,333 | 678 |
| Average earning assets | $1,450,656,333 | 658 |
| Average equity | $134,375,333 | 787 |
| Average total loans | $1,303,358,000 | 534 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4910% | 2,955 |
| Cost of funding earning assets | 0.7961% | 357 |
| Net interest margin | 2.6949% | 3,982 |
| Noninterest income to average assets | 1.8753% | 413 |
| Noninterest expense to average assets | 2.3032% | 2,776 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7465% | 865 |
| Return on assets (ROA) | 1.7465% | 920 |
| Pretax return on assets | 2.1392% | 757 |
| Return on Equity (ROE) | 20.8327% | 480 |
| Retained earnings to average equity (ytd only) | 20.8327% | 243 |
| Net charge-offs to loans | -0.0193% | 3,977 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8462% | 4,007 |
| Assets per employee ($millions) | 8.8772% | 871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2081% | 2,888 |
| Loan loss allowance to noncurrent loans | 2,665.5226% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0401% | 4,088 |
| Noncurrent loans to loans | 0.0453% | 4,063 |
| Net loans and leases to total assets | 87.4435% | 58 |
| Net loans and leases to deposits | 105.5541% | 179 |
| Net loans and leases to core deposits | 147.8107% | 77 |
| Total domestic deposits to total assets | 82.8424% | 3,727 |
| Equity capital to assets | 8.2609% | 4,320 |
| Core capital (leverage) ratio | 9.3709% | 3,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1762% | 2,596 |
| Memoranda: |
| Average total assets | $1,533,842,000 | 667 |
| Average earning assets | $1,461,133,000 | 646 |
| Average equity | $128,586,500 | 808 |
| Average total loans | $1,304,936,500 | 536 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8353% | 3,201 |
| Cost of funding earning assets | 1.2055% | 269 |
| Net interest margin | 2.6298% | 4,462 |
| Noninterest income to average assets | 5.1854% | 112 |
| Noninterest expense to average assets | 3.4527% | 744 |
| Loan and lease loss provision to assets | 0.9457% | 114 |
| Net operating income to assets | 2.6927% | 118 |
| Return on assets (ROA) | 2.6927% | 122 |
| Pretax return on assets | 3.3049% | 102 |
| Return on Equity (ROE) | 29.1229% | 70 |
| Retained earnings to average equity (ytd only) | 29.1229% | 30 |
| Net charge-offs to loans | 0.1020% | 1,452 |
| Credit loss provision to net charge-offs | 1,059.7087% | 754 |
| Earnings coverage of net charge-offs (x) | 47.6291% | 1,243 |
| Efficiency ratio | 44.8210% | 4,764 |
| Assets per employee ($millions) | 8.6458% | 850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4239% | 1,872 |
| Loan loss allowance to noncurrent loans | 2,449.3525% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.0473% | 4,105 |
| Noncurrent loans to loans | 0.0581% | 4,056 |
| Net loans and leases to total assets | 80.1821% | 408 |
| Net loans and leases to deposits | 105.5733% | 234 |
| Net loans and leases to core deposits | 133.9956% | 166 |
| Total domestic deposits to total assets | 75.9493% | 4,510 |
| Equity capital to assets | 8.5163% | 4,430 |
| Core capital (leverage) ratio | 9.7429% | 2,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3090% | 2,122 |
| Memoranda: |
| Average total assets | $1,154,137,000 | 778 |
| Average earning assets | $1,105,014,600 | 746 |
| Average equity | $106,710,000 | 916 |
| Average total loans | $1,010,048,200 | 635 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9323% | 3,159 |
| Cost of funding earning assets | 1.2821% | 264 |
| Net interest margin | 2.6502% | 4,526 |
| Noninterest income to average assets | 5.7774% | 102 |
| Noninterest expense to average assets | 3.5595% | 649 |
| Loan and lease loss provision to assets | 1.1005% | 112 |
| Net operating income to assets | 2.9018% | 99 |
| Return on assets (ROA) | 2.9018% | 104 |
| Pretax return on assets | 3.6603% | 82 |
| Return on Equity (ROE) | 30.5605% | 61 |
| Retained earnings to average equity (ytd only) | 30.5605% | 32 |
| Net charge-offs to loans | 0.0721% | 1,592 |
| Credit loss provision to net charge-offs | 1,703.4549% | 555 |
| Earnings coverage of net charge-offs (x) | 73.6910% | 965 |
| Efficiency ratio | 42.7807% | 4,835 |
| Assets per employee ($millions) | 8.8412% | 735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2954% | 2,176 |
| Loan loss allowance to noncurrent loans | 2,939.6584% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.0395% | 4,254 |
| Noncurrent loans to loans | 0.0441% | 4,208 |
| Net loans and leases to total assets | 88.4183% | 70 |
| Net loans and leases to deposits | 120.1884% | 112 |
| Net loans and leases to core deposits | 145.4504% | 138 |
| Total domestic deposits to total assets | 73.5665% | 4,601 |
| Equity capital to assets | 8.7940% | 4,259 |
| Core capital (leverage) ratio | 10.8881% | 1,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8876% | 2,252 |
| Memoranda: |
| Average total assets | $1,075,223,750 | 810 |
| Average earning assets | $1,031,711,750 | 782 |
| Average equity | $102,094,500 | 939 |
| Average total loans | $963,677,250 | 657 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1672% | 2,858 |
| Cost of funding earning assets | 1.4269% | 207 |
| Net interest margin | 2.7403% | 4,518 |
| Noninterest income to average assets | 4.7069% | 111 |
| Noninterest expense to average assets | 3.4286% | 819 |
| Loan and lease loss provision to assets | 0.6322% | 483 |
| Net operating income to assets | 2.6022% | 120 |
| Return on assets (ROA) | 2.6022% | 131 |
| Pretax return on assets | 3.2817% | 88 |
| Return on Equity (ROE) | 26.5237% | 92 |
| Retained earnings to average equity (ytd only) | 26.5237% | 39 |
| Net charge-offs to loans | 0.0352% | 2,033 |
| Credit loss provision to net charge-offs | 2,003.2051% | 477 |
| Earnings coverage of net charge-offs (x) | 124.0192% | 609 |
| Efficiency ratio | 46.6951% | 4,692 |
| Assets per employee ($millions) | 8.4725% | 813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9884% | 3,631 |
| Loan loss allowance to noncurrent loans | 1,739.5869% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.0508% | 4,279 |
| Noncurrent loans to loans | 0.0568% | 4,247 |
| Net loans and leases to total assets | 88.5144% | 51 |
| Net loans and leases to deposits | 117.9949% | 108 |
| Net loans and leases to core deposits | 143.0309% | 144 |
| Total domestic deposits to total assets | 75.0155% | 4,517 |
| Equity capital to assets | 9.3239% | 3,806 |
| Core capital (leverage) ratio | 10.4424% | 2,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0087% | 2,177 |
| Memoranda: |
| Average total assets | $988,626,000 | 863 |
| Average earning assets | $950,854,333 | 828 |
| Average equity | $96,992,333 | 970 |
| Average total loans | $886,272,333 | 704 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5263% | 2,235 |
| Cost of funding earning assets | 1.5905% | 198 |
| Net interest margin | 2.9358% | 4,374 |
| Noninterest income to average assets | 1.5099% | 392 |
| Noninterest expense to average assets | 3.0097% | 1,867 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0581% | 1,977 |
| Return on assets (ROA) | 1.0581% | 2,078 |
| Pretax return on assets | 1.3325% | 1,773 |
| Return on Equity (ROE) | 10.4594% | 1,595 |
| Retained earnings to average equity (ytd only) | 10.4594% | 651 |
| Net charge-offs to loans | 0.0318% | 1,752 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 46.6923% | 949 |
| Efficiency ratio | 69.3124% | 2,462 |
| Assets per employee ($millions) | 6.9327% | 1,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8520% | 4,269 |
| Loan loss allowance to noncurrent loans | 1,016.2356% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.0738% | 4,232 |
| Noncurrent loans to loans | 0.0838% | 4,177 |
| Net loans and leases to total assets | 87.2955% | 85 |
| Net loans and leases to deposits | 108.5168% | 212 |
| Net loans and leases to core deposits | 133.9203% | 224 |
| Total domestic deposits to total assets | 80.4443% | 3,769 |
| Equity capital to assets | 10.1834% | 3,618 |
| Core capital (leverage) ratio | 10.6750% | 2,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2259% | 2,607 |
| Memoranda: |
| Average total assets | $911,043,500 | 902 |
| Average earning assets | $878,952,500 | 866 |
| Average equity | $92,165,500 | 1,012 |
| Average total loans | $818,145,000 | 732 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8177% | 1,991 |
| Cost of funding earning assets | 1.6478% | 242 |
| Net interest margin | 3.1699% | 4,252 |
| Noninterest income to average assets | 1.5515% | 388 |
| Noninterest expense to average assets | 2.7481% | 2,758 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4875% | 1,085 |
| Return on assets (ROA) | 1.4875% | 1,144 |
| Pretax return on assets | 1.8681% | 797 |
| Return on Equity (ROE) | 15.6640% | 578 |
| Retained earnings to average equity (ytd only) | 15.6640% | 77 |
| Net charge-offs to loans | -0.0189% | 4,611 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5314% | 3,763 |
| Assets per employee ($millions) | 7.1483% | 989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8854% | 4,030 |
| Loan loss allowance to noncurrent loans | 292.6609% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.2774% | 3,317 |
| Noncurrent loans to loans | 0.3025% | 3,350 |
| Net loans and leases to total assets | 90.8757% | 35 |
| Net loans and leases to deposits | 105.4874% | 316 |
| Net loans and leases to core deposits | 132.1635% | 251 |
| Total domestic deposits to total assets | 86.1485% | 2,006 |
| Equity capital to assets | 10.0447% | 3,876 |
| Core capital (leverage) ratio | 10.5786% | 2,874 |
| Tier 1 risk-based capital ratio | 11.9655% | 4,382 |
| Total risk-based capital ratio | 12.9607% | 4,403 |
| Memoranda: |
| Average total assets | $753,545,200 | 1,023 |
| Average earning assets | $728,542,600 | 981 |
| Average equity | $71,559,000 | 1,203 |
| Average total loans | $671,746,800 | 835 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8315% | 2,025 |
| Cost of funding earning assets | 1.6414% | 255 |
| Net interest margin | 3.1901% | 4,319 |
| Noninterest income to average assets | 1.3888% | 471 |
| Noninterest expense to average assets | 2.6726% | 2,935 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4320% | 1,379 |
| Return on assets (ROA) | 1.4320% | 1,436 |
| Pretax return on assets | 1.7991% | 1,095 |
| Return on Equity (ROE) | 15.3498% | 706 |
| Retained earnings to average equity (ytd only) | 15.3498% | 131 |
| Net charge-offs to loans | -0.0096% | 4,364 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7671% | 3,686 |
| Assets per employee ($millions) | 6.4345% | 1,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9803% | 3,681 |
| Loan loss allowance to noncurrent loans | 291.2505% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.3087% | 3,310 |
| Noncurrent loans to loans | 0.3366% | 3,331 |
| Net loans and leases to total assets | 90.8062% | 33 |
| Net loans and leases to deposits | 103.6459% | 427 |
| Net loans and leases to core deposits | 131.0143% | 281 |
| Total domestic deposits to total assets | 87.6119% | 1,213 |
| Equity capital to assets | 9.5187% | 4,434 |
| Core capital (leverage) ratio | 10.0318% | 3,609 |
| Tier 1 risk-based capital ratio | 11.0147% | 4,902 |
| Total risk-based capital ratio | 12.0867% | 4,875 |
| Memoranda: |
| Average total assets | $722,122,000 | 1,046 |
| Average earning assets | $697,847,250 | 1,013 |
| Average equity | $67,369,500 | 1,253 |
| Average total loans | $638,145,500 | 868 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8523% | 1,904 |
| Cost of funding earning assets | 1.5993% | 271 |
| Net interest margin | 3.2529% | 4,232 |
| Noninterest income to average assets | 1.2091% | 584 |
| Noninterest expense to average assets | 2.6545% | 3,043 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3538% | 1,560 |
| Return on assets (ROA) | 1.3538% | 1,625 |
| Pretax return on assets | 1.6992% | 1,268 |
| Return on Equity (ROE) | 14.6214% | 848 |
| Retained earnings to average equity (ytd only) | 14.6214% | 191 |
| Net charge-offs to loans | -0.0059% | 4,173 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9710% | 3,582 |
| Assets per employee ($millions) | 6.8535% | 1,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0684% | 3,246 |
| Loan loss allowance to noncurrent loans | 290.6948% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.3360% | 3,190 |
| Noncurrent loans to loans | 0.3675% | 3,207 |
| Net loans and leases to total assets | 90.4485% | 49 |
| Net loans and leases to deposits | 103.2304% | 460 |
| Net loans and leases to core deposits | 125.9682% | 392 |
| Total domestic deposits to total assets | 87.6181% | 1,276 |
| Equity capital to assets | 9.3892% | 4,515 |
| Core capital (leverage) ratio | 9.4383% | 4,210 |
| Tier 1 risk-based capital ratio | 10.7948% | 4,994 |
| Total risk-based capital ratio | 11.9484% | 4,951 |
| Memoranda: |
| Average total assets | $701,158,000 | 1,072 |
| Average earning assets | $677,788,000 | 1,035 |
| Average equity | $64,918,330 | 1,294 |
| Average total loans | $610,894,670 | 901 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7418% | 2,077 |
| Cost of funding earning assets | 1.4845% | 343 |
| Net interest margin | 3.2573% | 4,261 |
| Noninterest income to average assets | 0.9787% | 861 |
| Noninterest expense to average assets | 2.6263% | 3,136 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2024% | 2,045 |
| Return on assets (ROA) | 1.2024% | 2,097 |
| Pretax return on assets | 1.5059% | 1,743 |
| Return on Equity (ROE) | 13.0829% | 1,186 |
| Retained earnings to average equity (ytd only) | 13.0829% | 447 |
| Net charge-offs to loans | -0.0082% | 4,151 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5562% | 3,309 |
| Assets per employee ($millions) | 7.2685% | 889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1716% | 2,734 |
| Loan loss allowance to noncurrent loans | 338.0173% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.2888% | 3,449 |
| Noncurrent loans to loans | 0.3466% | 3,335 |
| Net loans and leases to total assets | 82.3366% | 554 |
| Net loans and leases to deposits | 93.4061% | 1,237 |
| Net loans and leases to core deposits | 114.6650% | 705 |
| Total domestic deposits to total assets | 88.1490% | 1,261 |
| Equity capital to assets | 8.9928% | 4,688 |
| Core capital (leverage) ratio | 9.5955% | 4,031 |
| Tier 1 risk-based capital ratio | 11.2016% | 4,879 |
| Total risk-based capital ratio | 12.4505% | 4,792 |
| Memoranda: |
| Average total assets | $691,930,500 | 1,089 |
| Average earning assets | $669,872,500 | 1,049 |
| Average equity | $63,594,500 | 1,305 |
| Average total loans | $587,388,000 | 935 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5325% | 2,362 |
| Cost of funding earning assets | 1.1584% | 401 |
| Net interest margin | 3.3740% | 4,065 |
| Noninterest income to average assets | 0.4672% | 3,010 |
| Noninterest expense to average assets | 2.5479% | 3,475 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9450% | 3,259 |
| Return on assets (ROA) | 0.9450% | 3,253 |
| Pretax return on assets | 1.1823% | 2,951 |
| Return on Equity (ROE) | 10.2753% | 2,407 |
| Retained earnings to average equity (ytd only) | 10.2753% | 578 |
| Net charge-offs to loans | -0.0083% | 4,447 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3040% | 2,492 |
| Assets per employee ($millions) | 7.0669% | 947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2187% | 2,474 |
| Loan loss allowance to noncurrent loans | 1,859.6817% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.0625% | 4,525 |
| Noncurrent loans to loans | 0.0655% | 4,456 |
| Net loans and leases to total assets | 85.5456% | 266 |
| Net loans and leases to deposits | 97.3912% | 946 |
| Net loans and leases to core deposits | 118.4223% | 603 |
| Total domestic deposits to total assets | 87.8371% | 1,376 |
| Equity capital to assets | 9.4055% | 4,213 |
| Core capital (leverage) ratio | 10.1254% | 3,428 |
| Tier 1 risk-based capital ratio | 11.1195% | 4,913 |
| Total risk-based capital ratio | 12.3698% | 4,816 |
| Memoranda: |
| Average total assets | $567,602,800 | 1,252 |
| Average earning assets | $548,928,200 | 1,218 |
| Average equity | $52,202,800 | 1,458 |
| Average total loans | $491,341,800 | 1,066 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4648% | 2,413 |
| Cost of funding earning assets | 1.0762% | 437 |
| Net interest margin | 3.3887% | 4,036 |
| Noninterest income to average assets | 0.4456% | 3,200 |
| Noninterest expense to average assets | 2.5789% | 3,347 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9188% | 3,441 |
| Return on assets (ROA) | 0.9188% | 3,445 |
| Pretax return on assets | 1.1416% | 3,233 |
| Return on Equity (ROE) | 10.0601% | 2,593 |
| Retained earnings to average equity (ytd only) | 10.0601% | 904 |
| Net charge-offs to loans | -0.0099% | 4,391 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3155% | 2,301 |
| Assets per employee ($millions) | 6.2450% | 1,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3353% | 1,938 |
| Loan loss allowance to noncurrent loans | 1,858.0902% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.0622% | 4,671 |
| Noncurrent loans to loans | 0.0719% | 4,553 |
| Net loans and leases to total assets | 85.4479% | 321 |
| Net loans and leases to deposits | 96.9021% | 1,048 |
| Net loans and leases to core deposits | 119.1585% | 601 |
| Total domestic deposits to total assets | 88.1796% | 1,162 |
| Equity capital to assets | 8.9280% | 4,612 |
| Core capital (leverage) ratio | 9.4150% | 4,261 |
| Tier 1 risk-based capital ratio | 10.7952% | 5,133 |
| Total risk-based capital ratio | 12.0474% | 5,030 |
| Memoranda: |
| Average total assets | $543,432,500 | 1,305 |
| Average earning assets | $525,187,500 | 1,259 |
| Average equity | $49,633,750 | 1,537 |
| Average total loans | $470,358,000 | 1,109 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3453% | 2,606 |
| Cost of funding earning assets | 0.9779% | 521 |
| Net interest margin | 3.3674% | 4,053 |
| Noninterest income to average assets | 0.4550% | 3,119 |
| Noninterest expense to average assets | 2.5688% | 3,418 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9130% | 3,404 |
| Return on assets (ROA) | 0.9130% | 3,408 |
| Pretax return on assets | 1.1384% | 3,170 |
| Return on Equity (ROE) | 9.9106% | 2,603 |
| Retained earnings to average equity (ytd only) | 9.9106% | 951 |
| Net charge-offs to loans | -0.0049% | 4,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2919% | 2,430 |
| Assets per employee ($millions) | 6.3440% | 1,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3852% | 1,805 |
| Loan loss allowance to noncurrent loans | 1,799.2268% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.0695% | 4,670 |
| Noncurrent loans to loans | 0.0770% | 4,573 |
| Net loans and leases to total assets | 89.0228% | 105 |
| Net loans and leases to deposits | 101.4831% | 696 |
| Net loans and leases to core deposits | 126.4326% | 398 |
| Total domestic deposits to total assets | 87.7218% | 1,521 |
| Equity capital to assets | 9.1606% | 4,422 |
| Core capital (leverage) ratio | 9.5685% | 4,030 |
| Tier 1 risk-based capital ratio | 10.7165% | 5,186 |
| Total risk-based capital ratio | 11.9696% | 5,082 |
| Memoranda: |
| Average total assets | $522,654,330 | 1,353 |
| Average earning assets | $504,779,670 | 1,307 |
| Average equity | $48,150,670 | 1,566 |
| Average total loans | $452,270,670 | 1,142 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1893% | 2,915 |
| Cost of funding earning assets | 0.9039% | 583 |
| Net interest margin | 3.2854% | 4,228 |
| Noninterest income to average assets | 0.3003% | 4,153 |
| Noninterest expense to average assets | 2.4839% | 3,699 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7947% | 3,725 |
| Return on assets (ROA) | 0.7947% | 3,731 |
| Pretax return on assets | 0.9872% | 3,581 |
| Return on Equity (ROE) | 8.5992% | 3,103 |
| Retained earnings to average equity (ytd only) | 8.5992% | 1,617 |
| Net charge-offs to loans | -0.0056% | 4,047 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5590% | 2,258 |
| Assets per employee ($millions) | 6.6147% | 1,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5915% | 1,176 |
| Loan loss allowance to noncurrent loans | 1,744.0000% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.0756% | 4,713 |
| Noncurrent loans to loans | 0.0913% | 4,567 |
| Net loans and leases to total assets | 81.5158% | 725 |
| Net loans and leases to deposits | 93.2225% | 1,309 |
| Net loans and leases to core deposits | 119.9677% | 590 |
| Total domestic deposits to total assets | 87.4422% | 1,932 |
| Equity capital to assets | 9.3878% | 4,196 |
| Core capital (leverage) ratio | 10.2108% | 3,290 |
| Tier 1 risk-based capital ratio | 11.7993% | 4,686 |
| Total risk-based capital ratio | 13.0547% | 4,557 |
| Memoranda: |
| Average total assets | $504,845,000 | 1,414 |
| Average earning assets | $487,243,500 | 1,359 |
| Average equity | $46,655,500 | 1,623 |
| Average total loans | $426,420,500 | 1,200 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0567% | 3,216 |
| Cost of funding earning assets | 0.7801% | 696 |
| Net interest margin | 3.2767% | 4,226 |
| Noninterest income to average assets | 0.1632% | 5,143 |
| Noninterest expense to average assets | 2.3044% | 4,318 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4500% | 4,534 |
| Return on assets (ROA) | 0.4500% | 4,564 |
| Pretax return on assets | 1.0036% | 3,553 |
| Return on Equity (ROE) | 4.6524% | 4,304 |
| Retained earnings to average equity (ytd only) | 4.6524% | 2,354 |
| Net charge-offs to loans | -0.0118% | 4,829 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6619% | 2,609 |
| Assets per employee ($millions) | 7.5080% | 765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6815% | 976 |
| Loan loss allowance to noncurrent loans | 1,482.9787% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.0978% | 4,639 |
| Noncurrent loans to loans | 0.1134% | 4,478 |
| Net loans and leases to total assets | 84.8119% | 362 |
| Net loans and leases to deposits | 97.0411% | 989 |
| Net loans and leases to core deposits | 112.9179% | 844 |
| Total domestic deposits to total assets | 87.3979% | 1,818 |
| Equity capital to assets | 9.0805% | 4,641 |
| Core capital (leverage) ratio | 9.3705% | 4,200 |
| Tier 1 risk-based capital ratio | 10.6531% | 5,316 |
| Total risk-based capital ratio | 11.9094% | 5,206 |
| Memoranda: |
| Average total assets | $441,728,800 | 1,573 |
| Average earning assets | $423,938,200 | 1,523 |
| Average equity | $42,731,000 | 1,743 |
| Average total loans | $382,190,000 | 1,281 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0021% | 3,350 |
| Cost of funding earning assets | 0.7395% | 802 |
| Net interest margin | 3.2626% | 4,285 |
| Noninterest income to average assets | 0.1608% | 5,214 |
| Noninterest expense to average assets | 2.3319% | 4,210 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6388% | 4,235 |
| Return on assets (ROA) | 0.6388% | 4,290 |
| Pretax return on assets | 0.9564% | 3,844 |
| Return on Equity (ROE) | 6.4931% | 3,918 |
| Retained earnings to average equity (ytd only) | 6.4931% | 1,962 |
| Net charge-offs to loans | -0.0139% | 4,740 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9151% | 2,379 |
| Assets per employee ($millions) | 7.0000% | 953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7487% | 947 |
| Loan loss allowance to noncurrent loans | 670.9056% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.2317% | 4,134 |
| Noncurrent loans to loans | 0.2606% | 4,028 |
| Net loans and leases to total assets | 87.3401% | 180 |
| Net loans and leases to deposits | 102.4738% | 586 |
| Net loans and leases to core deposits | 116.9189% | 712 |
| Total domestic deposits to total assets | 85.2316% | 2,626 |
| Equity capital to assets | 9.7532% | 4,189 |
| Core capital (leverage) ratio | 9.9940% | 3,570 |
| Tier 1 risk-based capital ratio | 10.9653% | 5,265 |
| Total risk-based capital ratio | 12.2227% | 5,151 |
| Memoranda: |
| Average total assets | $432,032,500 | 1,612 |
| Average earning assets | $414,137,750 | 1,562 |
| Average equity | $42,505,500 | 1,766 |
| Average total loans | $374,111,750 | 1,312 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9287% | 3,452 |
| Cost of funding earning assets | 0.7180% | 810 |
| Net interest margin | 3.2107% | 4,386 |
| Noninterest income to average assets | 0.1561% | 5,277 |
| Noninterest expense to average assets | 2.3534% | 4,202 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5868% | 4,361 |
| Return on assets (ROA) | 0.5868% | 4,415 |
| Pretax return on assets | 0.8816% | 3,989 |
| Return on Equity (ROE) | 5.9464% | 4,070 |
| Retained earnings to average equity (ytd only) | 5.9464% | 2,151 |
| Net charge-offs to loans | -0.0180% | 4,744 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7470% | 2,227 |
| Assets per employee ($millions) | 7.0562% | 906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8629% | 774 |
| Loan loss allowance to noncurrent loans | 634.2753% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.2549% | 4,107 |
| Noncurrent loans to loans | 0.2937% | 3,989 |
| Net loans and leases to total assets | 85.1578% | 330 |
| Net loans and leases to deposits | 98.9614% | 814 |
| Net loans and leases to core deposits | 112.2578% | 895 |
| Total domestic deposits to total assets | 86.0516% | 2,357 |
| Equity capital to assets | 9.9482% | 3,972 |
| Core capital (leverage) ratio | 10.1577% | 3,327 |
| Tier 1 risk-based capital ratio | 11.3453% | 5,058 |
| Total risk-based capital ratio | 12.6041% | 4,944 |
| Memoranda: |
| Average total assets | $426,710,670 | 1,627 |
| Average earning assets | $409,193,000 | 1,586 |
| Average equity | $42,109,330 | 1,776 |
| Average total loans | $366,067,000 | 1,334 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7807% | 3,827 |
| Cost of funding earning assets | 0.7226% | 755 |
| Net interest margin | 3.0581% | 4,770 |
| Noninterest income to average assets | 0.1544% | 5,344 |
| Noninterest expense to average assets | 2.3048% | 4,396 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5188% | 4,522 |
| Return on assets (ROA) | 0.5188% | 4,554 |
| Pretax return on assets | 0.7862% | 4,160 |
| Return on Equity (ROE) | 5.2785% | 4,266 |
| Retained earnings to average equity (ytd only) | 5.2785% | 2,745 |
| Net charge-offs to loans | -0.0188% | 4,707 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5659% | 2,131 |
| Assets per employee ($millions) | 7.1548% | 879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8823% | 812 |
| Loan loss allowance to noncurrent loans | 501.2274% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.3829% | 3,676 |
| Noncurrent loans to loans | 0.3755% | 3,748 |
| Net loans and leases to total assets | 87.1981% | 148 |
| Net loans and leases to deposits | 103.3957% | 428 |
| Net loans and leases to core deposits | 117.2601% | 551 |
| Total domestic deposits to total assets | 84.3344% | 3,351 |
| Equity capital to assets | 10.1352% | 3,591 |
| Core capital (leverage) ratio | 9.8820% | 3,647 |
| Tier 1 risk-based capital ratio | 11.2162% | 5,196 |
| Total risk-based capital ratio | 12.4747% | 5,086 |
| Memoranda: |
| Average total assets | $424,852,000 | 1,647 |
| Average earning assets | $407,963,500 | 1,599 |
| Average equity | $41,754,000 | 1,785 |
| Average total loans | $362,350,000 | 1,354 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9559% | 3,359 |
| Cost of funding earning assets | 0.7975% | 511 |
| Net interest margin | 3.1584% | 4,570 |
| Noninterest income to average assets | 0.2792% | 4,740 |
| Noninterest expense to average assets | 2.4193% | 4,247 |
| Loan and lease loss provision to assets | 0.0605% | 3,166 |
| Net operating income to assets | 0.5486% | 4,441 |
| Return on assets (ROA) | 0.5486% | 4,542 |
| Pretax return on assets | 0.8235% | 4,116 |
| Return on Equity (ROE) | 5.3291% | 4,258 |
| Retained earnings to average equity (ytd only) | 5.3291% | 2,112 |
| Net charge-offs to loans | -0.0228% | 5,163 |
| Credit loss provision to net charge-offs | -306.6667% | 5,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2394% | 2,383 |
| Assets per employee ($millions) | 7.0117% | 918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9457% | 731 |
| Loan loss allowance to noncurrent loans | 983.6648% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.2089% | 4,481 |
| Noncurrent loans to loans | 0.1978% | 4,446 |
| Net loans and leases to total assets | 80.2759% | 859 |
| Net loans and leases to deposits | 92.3230% | 1,404 |
| Net loans and leases to core deposits | 103.9039% | 1,291 |
| Total domestic deposits to total assets | 86.9511% | 2,176 |
| Equity capital to assets | 9.5345% | 4,235 |
| Core capital (leverage) ratio | 9.6606% | 3,902 |
| Tier 1 risk-based capital ratio | 11.1977% | 5,221 |
| Total risk-based capital ratio | 12.4573% | 5,112 |
| Memoranda: |
| Average total assets | $380,433,400 | 1,762 |
| Average earning assets | $364,268,000 | 1,706 |
| Average equity | $39,162,600 | 1,873 |
| Average total loans | $328,621,800 | 1,413 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0529% | 3,025 |
| Cost of funding earning assets | 0.7922% | 525 |
| Net interest margin | 3.2607% | 4,310 |
| Noninterest income to average assets | 0.3147% | 4,514 |
| Noninterest expense to average assets | 2.4903% | 4,012 |
| Loan and lease loss provision to assets | 0.0836% | 2,543 |
| Net operating income to assets | 0.5753% | 4,390 |
| Return on assets (ROA) | 0.5753% | 4,502 |
| Pretax return on assets | 0.8584% | 4,128 |
| Return on Equity (ROE) | 5.4692% | 4,322 |
| Retained earnings to average equity (ytd only) | 5.4692% | 2,501 |
| Net charge-offs to loans | -0.0178% | 4,971 |
| Credit loss provision to net charge-offs | -534.8837% | 5,090 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5540% | 2,492 |
| Assets per employee ($millions) | 6.6503% | 1,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0349% | 686 |
| Loan loss allowance to noncurrent loans | 794.1244% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.2140% | 4,574 |
| Noncurrent loans to loans | 0.2562% | 4,348 |
| Net loans and leases to total assets | 81.8014% | 649 |
| Net loans and leases to deposits | 95.1027% | 1,136 |
| Net loans and leases to core deposits | 106.9792% | 1,112 |
| Total domestic deposits to total assets | 86.0137% | 2,342 |
| Equity capital to assets | 9.7336% | 4,435 |
| Core capital (leverage) ratio | 10.2841% | 3,241 |
| Tier 1 risk-based capital ratio | 11.8482% | 4,887 |
| Total risk-based capital ratio | 13.1086% | 4,775 |
| Memoranda: |
| Average total assets | $366,860,250 | 1,828 |
| Average earning assets | $350,754,000 | 1,772 |
| Average equity | $38,591,000 | 1,906 |
| Average total loans | $321,801,000 | 1,447 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1030% | 2,843 |
| Cost of funding earning assets | 0.7905% | 517 |
| Net interest margin | 3.3125% | 4,185 |
| Noninterest income to average assets | 0.2995% | 4,645 |
| Noninterest expense to average assets | 2.5305% | 3,946 |
| Loan and lease loss provision to assets | 0.1187% | 1,918 |
| Net operating income to assets | 0.5453% | 4,499 |
| Return on assets (ROA) | 0.5453% | 4,609 |
| Pretax return on assets | 0.8115% | 4,241 |
| Return on Equity (ROE) | 5.0401% | 4,499 |
| Retained earnings to average equity (ytd only) | 5.0401% | 2,710 |
| Net charge-offs to loans | 0.1373% | 1,505 |
| Credit loss provision to net charge-offs | 96.7742% | 2,168 |
| Earnings coverage of net charge-offs (x) | 7.5853% | 2,613 |
| Efficiency ratio | 73.1221% | 2,496 |
| Assets per employee ($millions) | 6.2561% | 1,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9774% | 772 |
| Loan loss allowance to noncurrent loans | 473.7106% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.3847% | 3,952 |
| Noncurrent loans to loans | 0.4174% | 3,860 |
| Net loans and leases to total assets | 90.3427% | 60 |
| Net loans and leases to deposits | 109.3566% | 271 |
| Net loans and leases to core deposits | 120.9664% | 491 |
| Total domestic deposits to total assets | 82.6129% | 3,790 |
| Equity capital to assets | 10.7089% | 3,389 |
| Core capital (leverage) ratio | 10.9150% | 2,518 |
| Tier 1 risk-based capital ratio | 11.9658% | 4,846 |
| Total risk-based capital ratio | 13.2258% | 4,755 |
| Memoranda: |
| Average total assets | $353,924,330 | 1,889 |
| Average earning assets | $337,755,000 | 1,840 |
| Average equity | $38,292,670 | 1,922 |
| Average total loans | $316,156,330 | 1,464 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0416% | 3,060 |
| Cost of funding earning assets | 0.7780% | 551 |
| Net interest margin | 3.2636% | 4,347 |
| Noninterest income to average assets | 0.2976% | 4,597 |
| Noninterest expense to average assets | 2.6143% | 3,707 |
| Loan and lease loss provision to assets | 0.0572% | 2,802 |
| Net operating income to assets | 0.4933% | 4,653 |
| Return on assets (ROA) | 0.4933% | 4,755 |
| Pretax return on assets | 0.7326% | 4,407 |
| Return on Equity (ROE) | 4.5356% | 4,686 |
| Retained earnings to average equity (ytd only) | 4.5356% | 3,216 |
| Net charge-offs to loans | -0.0599% | 5,412 |
| Credit loss provision to net charge-offs | -108.6957% | 4,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7989% | 2,068 |
| Assets per employee ($millions) | 6.7549% | 985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1702% | 615 |
| Loan loss allowance to noncurrent loans | 466.0652% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.8760% | 2,496 |
| Noncurrent loans to loans | 0.4656% | 3,781 |
| Net loans and leases to total assets | 86.1903% | 208 |
| Net loans and leases to deposits | 102.1169% | 506 |
| Net loans and leases to core deposits | 112.7499% | 723 |
| Total domestic deposits to total assets | 84.4035% | 3,357 |
| Equity capital to assets | 10.8967% | 3,050 |
| Core capital (leverage) ratio | 10.8943% | 2,516 |
| Tier 1 risk-based capital ratio | 12.4254% | 4,634 |
| Total risk-based capital ratio | 13.6870% | 4,529 |
| Memoranda: |
| Average total assets | $349,458,500 | 1,917 |
| Average earning assets | $332,641,500 | 1,869 |
| Average equity | $38,010,000 | 1,931 |
| Average total loans | $307,021,000 | 1,495 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9715% | 3,428 |
| Cost of funding earning assets | 0.7774% | 552 |
| Net interest margin | 3.1941% | 4,646 |
| Noninterest income to average assets | 0.3874% | 4,133 |
| Noninterest expense to average assets | 2.8281% | 3,116 |
| Loan and lease loss provision to assets | 0.0761% | 2,748 |
| Net operating income to assets | 0.9465% | 2,633 |
| Return on assets (ROA) | 0.9428% | 2,721 |
| Pretax return on assets | 0.5180% | 5,068 |
| Return on Equity (ROE) | 8.6558% | 2,645 |
| Retained earnings to average equity (ytd only) | 8.6558% | 741 |
| Net charge-offs to loans | -0.0189% | 5,254 |
| Credit loss provision to net charge-offs | -462.9630% | 5,429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5531% | 1,333 |
| Assets per employee ($millions) | 6.8169% | 953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1735% | 618 |
| Loan loss allowance to noncurrent loans | 413.2335% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.9314% | 2,336 |
| Noncurrent loans to loans | 0.5260% | 3,586 |
| Net loans and leases to total assets | 85.7034% | 251 |
| Net loans and leases to deposits | 101.4829% | 580 |
| Net loans and leases to core deposits | 111.5241% | 795 |
| Total domestic deposits to total assets | 84.4511% | 3,310 |
| Equity capital to assets | 10.8567% | 2,978 |
| Core capital (leverage) ratio | 11.1216% | 2,289 |
| Tier 1 risk-based capital ratio | 12.4042% | 4,698 |
| Total risk-based capital ratio | 13.6659% | 4,582 |
| Memoranda: |
| Average total assets | $328,590,800 | 2,000 |
| Average earning assets | $312,579,800 | 1,939 |
| Average equity | $35,791,000 | 1,991 |
| Average total loans | $285,987,600 | 1,527 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0146% | 3,287 |
| Cost of funding earning assets | 0.7747% | 580 |
| Net interest margin | 3.2399% | 4,556 |
| Noninterest income to average assets | 0.4492% | 3,720 |
| Noninterest expense to average assets | 2.8933% | 2,871 |
| Loan and lease loss provision to assets | 0.0823% | 2,524 |
| Net operating income to assets | 0.5558% | 4,574 |
| Return on assets (ROA) | 0.5509% | 4,683 |
| Pretax return on assets | 0.5509% | 5,095 |
| Return on Equity (ROE) | 5.0534% | 4,602 |
| Retained earnings to average equity (ytd only) | 5.0534% | 2,874 |
| Net charge-offs to loans | -0.0028% | 4,747 |
| Credit loss provision to net charge-offs | -3,333.3333% | 5,659 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9284% | 1,409 |
| Assets per employee ($millions) | 5.6802% | 1,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2441% | 623 |
| Loan loss allowance to noncurrent loans | 437.1314% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.9495% | 2,484 |
| Noncurrent loans to loans | 0.5134% | 3,813 |
| Net loans and leases to total assets | 86.2374% | 216 |
| Net loans and leases to deposits | 102.5568% | 516 |
| Net loans and leases to core deposits | 114.1430% | 663 |
| Total domestic deposits to total assets | 84.0875% | 3,387 |
| Equity capital to assets | 10.9400% | 3,091 |
| Core capital (leverage) ratio | 10.8235% | 2,685 |
| Tier 1 risk-based capital ratio | 12.5036% | 4,754 |
| Total risk-based capital ratio | 13.7660% | 4,646 |
| Memoranda: |
| Average total assets | $323,822,500 | 2,041 |
| Average earning assets | $308,068,250 | 1,988 |
| Average equity | $35,302,500 | 2,031 |
| Average total loans | $281,339,500 | 1,553 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0077% | 3,259 |
| Cost of funding earning assets | 0.7533% | 633 |
| Net interest margin | 3.2543% | 4,478 |
| Noninterest income to average assets | 0.4759% | 3,522 |
| Noninterest expense to average assets | 2.9117% | 2,858 |
| Loan and lease loss provision to assets | 0.0932% | 2,261 |
| Net operating income to assets | 0.5653% | 4,499 |
| Return on assets (ROA) | 0.5579% | 4,636 |
| Pretax return on assets | 0.5579% | 5,083 |
| Return on Equity (ROE) | 5.1232% | 4,564 |
| Retained earnings to average equity (ytd only) | 5.1232% | 2,785 |
| Net charge-offs to loans | -0.0093% | 4,906 |
| Credit loss provision to net charge-offs | -1,153.8462% | 5,379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5556% | 1,550 |
| Assets per employee ($millions) | 5.4401% | 1,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2145% | 718 |
| Loan loss allowance to noncurrent loans | 367.7639% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 1.0075% | 2,507 |
| Noncurrent loans to loans | 0.6021% | 3,662 |
| Net loans and leases to total assets | 84.8372% | 307 |
| Net loans and leases to deposits | 100.2853% | 638 |
| Net loans and leases to core deposits | 113.5249% | 689 |
| Total domestic deposits to total assets | 84.5958% | 3,299 |
| Equity capital to assets | 10.5448% | 3,393 |
| Core capital (leverage) ratio | 10.8464% | 2,571 |
| Tier 1 risk-based capital ratio | 11.8756% | 5,234 |
| Total risk-based capital ratio | 13.1370% | 5,123 |
| Memoranda: |
| Average total assets | $321,946,330 | 2,065 |
| Average earning assets | $306,114,000 | 2,010 |
| Average equity | $35,056,000 | 2,049 |
| Average total loans | $278,242,000 | 1,571 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0417% | 3,078 |
| Cost of funding earning assets | 0.7210% | 768 |
| Net interest margin | 3.3208% | 4,128 |
| Noninterest income to average assets | 0.3513% | 4,387 |
| Noninterest expense to average assets | 2.9172% | 2,846 |
| Loan and lease loss provision to assets | 0.0955% | 2,091 |
| Net operating income to assets | 0.4926% | 4,718 |
| Return on assets (ROA) | 0.4773% | 4,889 |
| Pretax return on assets | 0.4773% | 5,240 |
| Return on Equity (ROE) | 4.3102% | 4,840 |
| Retained earnings to average equity (ytd only) | 4.3102% | 3,424 |
| Net charge-offs to loans | -0.0753% | 5,723 |
| Credit loss provision to net charge-offs | -147.0588% | 4,556 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2244% | 1,461 |
| Assets per employee ($millions) | 5.1743% | 2,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3415% | 670 |
| Loan loss allowance to noncurrent loans | 320.6570% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 1.1548% | 2,330 |
| Noncurrent loans to loans | 0.7302% | 3,435 |
| Net loans and leases to total assets | 85.1245% | 241 |
| Net loans and leases to deposits | 101.7207% | 471 |
| Net loans and leases to core deposits | 116.1672% | 518 |
| Total domestic deposits to total assets | 83.6846% | 3,938 |
| Equity capital to assets | 11.0983% | 2,864 |
| Core capital (leverage) ratio | 11.1684% | 2,249 |
| Tier 1 risk-based capital ratio | 12.2265% | 5,092 |
| Total risk-based capital ratio | 13.4889% | 4,991 |
| Memoranda: |
| Average total assets | $314,277,000 | 2,115 |
| Average earning assets | $298,485,500 | 2,062 |
| Average equity | $34,801,000 | 2,079 |
| Average total loans | $271,051,500 | 1,620 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9670% | 3,847 |
| Cost of funding earning assets | 0.6423% | 1,455 |
| Net interest margin | 3.3247% | 4,489 |
| Noninterest income to average assets | 0.4452% | 3,870 |
| Noninterest expense to average assets | 3.1091% | 2,483 |
| Loan and lease loss provision to assets | 0.0981% | 2,515 |
| Net operating income to assets | 0.3750% | 5,307 |
| Return on assets (ROA) | 0.3750% | 5,375 |
| Pretax return on assets | 0.3750% | 5,549 |
| Return on Equity (ROE) | 3.6033% | 5,264 |
| Retained earnings to average equity (ytd only) | 3.6033% | 3,653 |
| Net charge-offs to loans | -0.1270% | 6,172 |
| Credit loss provision to net charge-offs | -89.9676% | 5,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7934% | 1,099 |
| Assets per employee ($millions) | 5.3037% | 1,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3657% | 654 |
| Loan loss allowance to noncurrent loans | 407.2211% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 1.0185% | 2,708 |
| Noncurrent loans to loans | 0.5809% | 3,924 |
| Net loans and leases to total assets | 83.3002% | 401 |
| Net loans and leases to deposits | 99.5250% | 653 |
| Net loans and leases to core deposits | 113.4956% | 624 |
| Total domestic deposits to total assets | 83.6978% | 3,839 |
| Equity capital to assets | 11.0482% | 2,850 |
| Core capital (leverage) ratio | 11.0334% | 2,376 |
| Tier 1 risk-based capital ratio | 12.9173% | 4,781 |
| Total risk-based capital ratio | 14.1813% | 4,689 |
| Memoranda: |
| Average total assets | $283,455,000 | 2,248 |
| Average earning assets | $267,456,200 | 2,216 |
| Average equity | $29,500,600 | 2,303 |
| Average total loans | $243,272,200 | 1,733 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8951% | 4,191 |
| Cost of funding earning assets | 0.6295% | 1,603 |
| Net interest margin | 3.2656% | 4,738 |
| Noninterest income to average assets | 0.4346% | 3,988 |
| Noninterest expense to average assets | 3.1467% | 2,329 |
| Loan and lease loss provision to assets | 0.0980% | 2,405 |
| Net operating income to assets | 0.2661% | 5,692 |
| Return on assets (ROA) | 0.2661% | 5,757 |
| Pretax return on assets | 0.2661% | 5,833 |
| Return on Equity (ROE) | 2.6021% | 5,679 |
| Retained earnings to average equity (ytd only) | 2.6021% | 4,735 |
| Net charge-offs to loans | -0.1820% | 6,291 |
| Credit loss provision to net charge-offs | -62.6543% | 5,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6286% | 870 |
| Assets per employee ($millions) | 4.7650% | 2,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4114% | 720 |
| Loan loss allowance to noncurrent loans | 167.3622% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 1.7622% | 1,695 |
| Noncurrent loans to loans | 1.4408% | 2,265 |
| Net loans and leases to total assets | 83.0186% | 406 |
| Net loans and leases to deposits | 99.4716% | 641 |
| Net loans and leases to core deposits | 120.6790% | 383 |
| Total domestic deposits to total assets | 83.4596% | 3,968 |
| Equity capital to assets | 11.1584% | 2,804 |
| Core capital (leverage) ratio | 11.1383% | 2,361 |
| Tier 1 risk-based capital ratio | 13.0680% | 4,818 |
| Total risk-based capital ratio | 14.3324% | 4,737 |
| Memoranda: |
| Average total assets | $276,088,750 | 2,326 |
| Average earning assets | $260,081,500 | 2,289 |
| Average equity | $28,232,750 | 2,407 |
| Average total loans | $237,345,500 | 1,786 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7373% | 4,742 |
| Cost of funding earning assets | 0.6293% | 1,651 |
| Net interest margin | 3.1081% | 5,230 |
| Noninterest income to average assets | 0.3813% | 4,392 |
| Noninterest expense to average assets | 3.1006% | 2,498 |
| Loan and lease loss provision to assets | 0.0961% | 2,422 |
| Net operating income to assets | 0.1058% | 6,039 |
| Return on assets (ROA) | 0.1058% | 6,072 |
| Pretax return on assets | 0.1058% | 6,089 |
| Return on Equity (ROE) | 1.0722% | 6,042 |
| Retained earnings to average equity (ytd only) | 1.0722% | 5,330 |
| Net charge-offs to loans | -0.0122% | 5,378 |
| Credit loss provision to net charge-offs | -914.2857% | 5,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8864% | 646 |
| Assets per employee ($millions) | 5.0288% | 2,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2904% | 912 |
| Loan loss allowance to noncurrent loans | 133.2199% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 2.0719% | 1,522 |
| Noncurrent loans to loans | 1.7193% | 2,008 |
| Net loans and leases to total assets | 85.8700% | 184 |
| Net loans and leases to deposits | 101.7254% | 465 |
| Net loans and leases to core deposits | 123.1376% | 316 |
| Total domestic deposits to total assets | 84.4135% | 3,766 |
| Equity capital to assets | 10.4769% | 3,467 |
| Core capital (leverage) ratio | 10.4533% | 3,003 |
| Tier 1 risk-based capital ratio | 11.7516% | 5,664 |
| Total risk-based capital ratio | 13.0142% | 5,598 |
| Memoranda: |
| Average total assets | $266,464,000 | 2,397 |
| Average earning assets | $250,445,330 | 2,353 |
| Average equity | $26,300,670 | 2,542 |
| Average total loans | $229,983,330 | 1,823 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6991% | 4,855 |
| Cost of funding earning assets | 0.6666% | 1,460 |
| Net interest margin | 3.0325% | 5,439 |
| Noninterest income to average assets | 0.2994% | 4,963 |
| Noninterest expense to average assets | 3.2537% | 2,058 |
| Loan and lease loss provision to assets | 0.0315% | 3,408 |
| Net operating income to assets | -0.1402% | 6,312 |
| Return on assets (ROA) | -0.1402% | 6,319 |
| Pretax return on assets | -0.1402% | 6,308 |
| Return on Equity (ROE) | -1.4728% | 6,330 |
| Retained earnings to average equity (ytd only) | -1.4728% | 5,795 |
| Net charge-offs to loans | -0.0258% | 5,481 |
| Credit loss provision to net charge-offs | -142.8571% | 4,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.4569% | 389 |
| Assets per employee ($millions) | 4.3408% | 3,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6471% | 679 |
| Loan loss allowance to noncurrent loans | 103.3907% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 2.8152% | 1,054 |
| Noncurrent loans to loans | 2.5603% | 1,345 |
| Net loans and leases to total assets | 82.7581% | 311 |
| Net loans and leases to deposits | 97.8685% | 550 |
| Net loans and leases to core deposits | 111.5321% | 526 |
| Total domestic deposits to total assets | 84.5604% | 4,061 |
| Equity capital to assets | 9.6647% | 4,279 |
| Core capital (leverage) ratio | 9.6379% | 4,085 |
| Tier 1 risk-based capital ratio | 11.1669% | 6,089 |
| Total risk-based capital ratio | 12.4340% | 6,030 |
| Memoranda: |
| Average total assets | $253,861,000 | 2,517 |
| Average earning assets | $238,220,500 | 2,465 |
| Average equity | $24,172,000 | 2,736 |
| Average total loans | $216,811,000 | 1,922 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4938% | 5,659 |
| Cost of funding earning assets | 0.9005% | 734 |
| Net interest margin | 2.5932% | 6,271 |
| Noninterest income to average assets | 0.4042% | 4,416 |
| Noninterest expense to average assets | 3.0940% | 2,752 |
| Loan and lease loss provision to assets | 0.2144% | 1,704 |
| Net operating income to assets | -0.4833% | 6,488 |
| Return on assets (ROA) | -0.4833% | 6,495 |
| Pretax return on assets | -0.4833% | 6,478 |
| Return on Equity (ROE) | -4.9424% | 6,484 |
| Retained earnings to average equity (ytd only) | -4.9424% | 6,365 |
| Net charge-offs to loans | 0.0022% | 5,437 |
| Credit loss provision to net charge-offs | 12,400.0000% | 17 |
| Earnings coverage of net charge-offs (x) | -155.5000% | 5,468 |
| Efficiency ratio | 109.5165% | 279 |
| Assets per employee ($millions) | 4.0583% | 3,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6534% | 697 |
| Loan loss allowance to noncurrent loans | 99.7562% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 2.9327% | 1,088 |
| Noncurrent loans to loans | 2.6599% | 1,385 |
| Net loans and leases to total assets | 83.5327% | 286 |
| Net loans and leases to deposits | 100.2380% | 471 |
| Net loans and leases to core deposits | 116.5420% | 407 |
| Total domestic deposits to total assets | 83.3344% | 4,415 |
| Equity capital to assets | 9.3763% | 4,575 |
| Core capital (leverage) ratio | 9.3402% | 4,491 |
| Tier 1 risk-based capital ratio | 10.8102% | 6,259 |
| Total risk-based capital ratio | 12.0775% | 6,200 |
| Memoranda: |
| Average total assets | $231,348,600 | 2,708 |
| Average earning assets | $215,985,000 | 2,662 |
| Average equity | $22,620,800 | 2,865 |
| Average total loans | $184,094,800 | 2,163 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4905% | 5,705 |
| Cost of funding earning assets | 0.9346% | 689 |
| Net interest margin | 2.5559% | 6,370 |
| Noninterest income to average assets | 0.3435% | 4,942 |
| Noninterest expense to average assets | 3.0445% | 2,840 |
| Loan and lease loss provision to assets | 0.4278% | 680 |
| Net operating income to assets | -0.7471% | 6,662 |
| Return on assets (ROA) | -0.7471% | 6,669 |
| Pretax return on assets | -0.7471% | 6,648 |
| Return on Equity (ROE) | -7.5548% | 6,656 |
| Retained earnings to average equity (ytd only) | -7.5548% | 6,585 |
| Net charge-offs to loans | -0.1574% | 6,604 |
| Credit loss provision to net charge-offs | -349.0385% | 5,987 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.7189% | 242 |
| Assets per employee ($millions) | 4.0207% | 3,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3894% | 377 |
| Loan loss allowance to noncurrent loans | 114.2566% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 2.7991% | 1,335 |
| Noncurrent loans to loans | 2.9665% | 1,369 |
| Net loans and leases to total assets | 71.7179% | 1,645 |
| Net loans and leases to deposits | 83.0925% | 1,989 |
| Net loans and leases to core deposits | 98.3632% | 1,216 |
| Total domestic deposits to total assets | 86.3109% | 3,072 |
| Equity capital to assets | 8.9162% | 5,284 |
| Core capital (leverage) ratio | 8.8779% | 5,281 |
| Tier 1 risk-based capital ratio | 11.9983% | 5,777 |
| Total risk-based capital ratio | 13.2750% | 5,701 |
| Memoranda: |
| Average total assets | $226,282,250 | 2,776 |
| Average earning assets | $210,854,000 | 2,731 |
| Average equity | $22,378,000 | 2,916 |
| Average total loans | $176,141,250 | 2,245 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4915% | 5,720 |
| Cost of funding earning assets | 0.9632% | 662 |
| Net interest margin | 2.5283% | 6,419 |
| Noninterest income to average assets | 0.3837% | 4,639 |
| Noninterest expense to average assets | 3.0606% | 2,795 |
| Loan and lease loss provision to assets | 0.5910% | 434 |
| Net operating income to assets | -0.9147% | 6,733 |
| Return on assets (ROA) | -0.9147% | 6,740 |
| Pretax return on assets | -0.9147% | 6,723 |
| Return on Equity (ROE) | -8.9232% | 6,723 |
| Retained earnings to average equity (ytd only) | -8.9232% | 6,638 |
| Net charge-offs to loans | -0.2044% | 6,668 |
| Credit loss provision to net charge-offs | -365.1685% | 5,850 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.8272% | 257 |
| Assets per employee ($millions) | 4.5156% | 2,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2373% | 467 |
| Loan loss allowance to noncurrent loans | 111.2844% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 2.9199% | 1,399 |
| Noncurrent loans to loans | 2.9090% | 1,541 |
| Net loans and leases to total assets | 75.7477% | 1,011 |
| Net loans and leases to deposits | 88.2491% | 1,311 |
| Net loans and leases to core deposits | 103.5488% | 860 |
| Total domestic deposits to total assets | 85.8340% | 3,450 |
| Equity capital to assets | 9.2313% | 4,949 |
| Core capital (leverage) ratio | 9.1938% | 4,704 |
| Tier 1 risk-based capital ratio | 11.8947% | 5,852 |
| Total risk-based capital ratio | 13.1699% | 5,790 |
| Memoranda: |
| Average total assets | $219,956,000 | 2,841 |
| Average earning assets | $204,726,330 | 2,814 |
| Average equity | $22,548,000 | 2,922 |
| Average total loans | $174,166,000 | 2,268 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5353% | 5,619 |
| Cost of funding earning assets | 1.0022% | 605 |
| Net interest margin | 2.5331% | 6,464 |
| Noninterest income to average assets | 0.3158% | 5,168 |
| Noninterest expense to average assets | 3.2168% | 2,298 |
| Loan and lease loss provision to assets | 0.6202% | 402 |
| Net operating income to assets | -1.1699% | 6,844 |
| Return on assets (ROA) | -1.1699% | 6,850 |
| Pretax return on assets | -1.1699% | 6,837 |
| Return on Equity (ROE) | -10.8011% | 6,819 |
| Retained earnings to average equity (ytd only) | -10.8011% | 6,644 |
| Net charge-offs to loans | -0.2841% | 6,762 |
| Credit loss provision to net charge-offs | -273.9496% | 5,334 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.6134% | 213 |
| Assets per employee ($millions) | 3.9099% | 4,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2390% | 526 |
| Loan loss allowance to noncurrent loans | 101.9559% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 3.3329% | 1,308 |
| Noncurrent loans to loans | 3.1768% | 1,558 |
| Net loans and leases to total assets | 80.3957% | 394 |
| Net loans and leases to deposits | 100.0660% | 348 |
| Net loans and leases to core deposits | 122.5171% | 253 |
| Total domestic deposits to total assets | 80.3426% | 5,679 |
| Equity capital to assets | 10.6523% | 3,377 |
| Core capital (leverage) ratio | 10.5952% | 2,655 |
| Tier 1 risk-based capital ratio | 12.9803% | 5,234 |
| Total risk-based capital ratio | 14.2554% | 5,163 |
| Memoranda: |
| Average total assets | $210,271,000 | 2,978 |
| Average earning assets | $195,174,500 | 2,955 |
| Average equity | $22,775,500 | 2,948 |
| Average total loans | $167,574,500 | 2,346 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4572% | 6,406 |
| Cost of funding earning assets | 1.1549% | 720 |
| Net interest margin | 2.3023% | 6,837 |
| Noninterest income to average assets | 0.1189% | 6,439 |
| Noninterest expense to average assets | 3.2253% | 2,533 |
| Loan and lease loss provision to assets | 0.4935% | 1,220 |
| Net operating income to assets | -1.4616% | 6,850 |
| Return on assets (ROA) | -1.3991% | 6,848 |
| Pretax return on assets | -1.3991% | 6,827 |
| Return on Equity (ROE) | -18.5213% | 6,861 |
| Retained earnings to average equity (ytd only) | -18.5213% | 6,822 |
| Net charge-offs to loans | 1.3557% | 696 |
| Credit loss provision to net charge-offs | 56.3936% | 4,538 |
| Earnings coverage of net charge-offs (x) | -1.1064% | 5,766 |
| Efficiency ratio | 142.8931% | 108 |
| Assets per employee ($millions) | 3.8074% | 4,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2788% | 519 |
| Loan loss allowance to noncurrent loans | 82.6808% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 3.7530% | 1,184 |
| Noncurrent loans to loans | 3.9656% | 1,191 |
| Net loans and leases to total assets | 73.7733% | 1,224 |
| Net loans and leases to deposits | 88.6866% | 1,200 |
| Net loans and leases to core deposits | 111.5182% | 487 |
| Total domestic deposits to total assets | 83.1843% | 4,641 |
| Equity capital to assets | 11.0122% | 2,935 |
| Core capital (leverage) ratio | 10.9654% | 2,288 |
| Tier 1 risk-based capital ratio | 14.2565% | 4,197 |
| Total risk-based capital ratio | 15.5331% | 4,134 |
| Memoranda: |
| Average total assets | $228,785,000 | 2,742 |
| Average earning assets | $212,482,800 | 2,701 |
| Average equity | $17,282,800 | 3,576 |
| Average total loans | $147,676,200 | 2,607 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5169% | 6,495 |
| Cost of funding earning assets | 1.1801% | 757 |
| Net interest margin | 2.3368% | 6,925 |
| Noninterest income to average assets | 0.3727% | 4,848 |
| Noninterest expense to average assets | 3.7591% | 1,277 |
| Loan and lease loss provision to assets | 0.5382% | 1,098 |
| Net operating income to assets | -1.7526% | 7,009 |
| Return on assets (ROA) | -1.6710% | 7,007 |
| Pretax return on assets | -1.6710% | 6,980 |
| Return on Equity (ROE) | -24.6482% | 7,035 |
| Retained earnings to average equity (ytd only) | -24.6482% | 7,024 |
| Net charge-offs to loans | 1.4848% | 581 |
| Credit loss provision to net charge-offs | 58.5351% | 4,189 |
| Earnings coverage of net charge-offs (x) | -1.3209% | 5,606 |
| Efficiency ratio | 147.7237% | 96 |
| Assets per employee ($millions) | 4.5101% | 2,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.1309% | 278 |
| Loan loss allowance to noncurrent loans | 68.9821% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 4.2811% | 1,102 |
| Noncurrent loans to loans | 5.9884% | 683 |
| Net loans and leases to total assets | 57.1495% | 4,271 |
| Net loans and leases to deposits | 68.1695% | 4,159 |
| Net loans and leases to core deposits | 86.6936% | 2,379 |
| Total domestic deposits to total assets | 83.8344% | 4,303 |
| Equity capital to assets | 10.6573% | 3,656 |
| Core capital (leverage) ratio | 10.5217% | 2,888 |
| Tier 1 risk-based capital ratio | 18.7113% | 2,100 |
| Total risk-based capital ratio | 20.0000% | 2,056 |
| Memoranda: |
| Average total assets | $233,630,000 | 2,717 |
| Average earning assets | $217,157,000 | 2,672 |
| Average equity | $15,838,500 | 3,844 |
| Average total loans | $144,664,750 | 2,681 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5592% | 6,534 |
| Cost of funding earning assets | 1.2133% | 773 |
| Net interest margin | 2.3460% | 6,987 |
| Noninterest income to average assets | 0.3145% | 5,305 |
| Noninterest expense to average assets | 3.2955% | 2,321 |
| Loan and lease loss provision to assets | 0.3364% | 1,962 |
| Net operating income to assets | -1.1386% | 6,939 |
| Return on assets (ROA) | -1.0183% | 6,935 |
| Pretax return on assets | -1.0183% | 6,903 |
| Return on Equity (ROE) | -18.2554% | 7,019 |
| Retained earnings to average equity (ytd only) | -18.2554% | 6,993 |
| Net charge-offs to loans | 1.4566% | 692 |
| Credit loss provision to net charge-offs | 36.8664% | 4,323 |
| Earnings coverage of net charge-offs (x) | -0.8793% | 5,289 |
| Efficiency ratio | 132.1754% | 154 |
| Assets per employee ($millions) | 3.8625% | 4,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.8775% | 374 |
| Loan loss allowance to noncurrent loans | 84.3527% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 3.9223% | 1,320 |
| Noncurrent loans to loans | 4.5968% | 1,139 |
| Net loans and leases to total assets | 60.1303% | 3,792 |
| Net loans and leases to deposits | 67.5838% | 4,272 |
| Net loans and leases to core deposits | 90.3147% | 1,954 |
| Total domestic deposits to total assets | 88.9714% | 1,522 |
| Equity capital to assets | 5.6118% | 7,054 |
| Core capital (leverage) ratio | 5.4705% | 7,033 |
| Tier 1 risk-based capital ratio | 9.1334% | 6,968 |
| Total risk-based capital ratio | 10.4179% | 6,965 |
| Memoranda: |
| Average total assets | $237,842,000 | 2,683 |
| Average earning assets | $220,889,670 | 2,639 |
| Average equity | $13,267,330 | 4,346 |
| Average total loans | $148,973,330 | 2,633 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5732% | 6,612 |
| Cost of funding earning assets | 1.2355% | 824 |
| Net interest margin | 2.3377% | 7,049 |
| Noninterest income to average assets | 0.2713% | 5,707 |
| Noninterest expense to average assets | 2.9990% | 3,253 |
| Loan and lease loss provision to assets | 0.3269% | 1,913 |
| Net operating income to assets | -0.8776% | 6,975 |
| Return on assets (ROA) | -0.8776% | 6,990 |
| Pretax return on assets | -0.8776% | 6,949 |
| Return on Equity (ROE) | -15.7767% | 7,071 |
| Retained earnings to average equity (ytd only) | -15.7767% | 6,987 |
| Net charge-offs to loans | 1.7446% | 550 |
| Credit loss provision to net charge-offs | 29.8954% | 3,625 |
| Earnings coverage of net charge-offs (x) | -0.5037% | 4,504 |
| Efficiency ratio | 122.4967% | 201 |
| Assets per employee ($millions) | 3.8693% | 4,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.8242% | 429 |
| Loan loss allowance to noncurrent loans | 96.2464% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 3.4656% | 1,661 |
| Noncurrent loans to loans | 3.9734% | 1,543 |
| Net loans and leases to total assets | 59.1357% | 3,831 |
| Net loans and leases to deposits | 67.9676% | 4,065 |
| Net loans and leases to core deposits | 74.5537% | 3,827 |
| Total domestic deposits to total assets | 87.0058% | 2,954 |
| Equity capital to assets | 5.5869% | 7,101 |
| Core capital (leverage) ratio | 5.3909% | 7,088 |
| Tier 1 risk-based capital ratio | 9.2656% | 6,999 |
| Total risk-based capital ratio | 10.5506% | 6,995 |
| Memoranda: |
| Average total assets | $244,749,500 | 2,615 |
| Average earning assets | $227,918,000 | 2,565 |
| Average equity | $13,615,000 | 4,274 |
| Average total loans | $153,389,000 | 2,581 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8245% | 6,702 |
| Cost of funding earning assets | 1.3100% | 1,434 |
| Net interest margin | 2.5145% | 7,053 |
| Noninterest income to average assets | 0.4958% | 3,878 |
| Noninterest expense to average assets | 3.4199% | 2,194 |
| Loan and lease loss provision to assets | 1.2457% | 684 |
| Net operating income to assets | -1.8227% | 6,994 |
| Return on assets (ROA) | -1.6924% | 6,975 |
| Pretax return on assets | -1.6924% | 6,944 |
| Return on Equity (ROE) | -28.5529% | 7,080 |
| Retained earnings to average equity (ytd only) | -28.5529% | 7,072 |
| Net charge-offs to loans | 2.3003% | 545 |
| Credit loss provision to net charge-offs | 81.9461% | 4,369 |
| Earnings coverage of net charge-offs (x) | -0.3795% | 6,042 |
| Efficiency ratio | 120.2932% | 305 |
| Assets per employee ($millions) | 3.8400% | 4,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.8362% | 424 |
| Loan loss allowance to noncurrent loans | 73.6056% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 4.2752% | 1,306 |
| Noncurrent loans to loans | 5.2119% | 1,050 |
| Net loans and leases to total assets | 61.3626% | 3,720 |
| Net loans and leases to deposits | 70.2036% | 4,062 |
| Net loans and leases to core deposits | 79.7589% | 3,476 |
| Total domestic deposits to total assets | 87.4067% | 2,523 |
| Equity capital to assets | 5.5397% | 7,126 |
| Core capital (leverage) ratio | 5.3915% | 7,107 |
| Tier 1 risk-based capital ratio | 9.0192% | 7,032 |
| Total risk-based capital ratio | 10.3047% | 7,028 |
| Memoranda: |
| Average total assets | $271,087,000 | 2,332 |
| Average earning assets | $253,049,600 | 2,281 |
| Average equity | $16,068,400 | 3,717 |
| Average total loans | $179,150,600 | 2,262 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8866% | 6,745 |
| Cost of funding earning assets | 1.3210% | 1,590 |
| Net interest margin | 2.5656% | 7,100 |
| Noninterest income to average assets | 0.4910% | 3,938 |
| Noninterest expense to average assets | 3.5462% | 1,820 |
| Loan and lease loss provision to assets | 1.0885% | 761 |
| Net operating income to assets | -1.7487% | 7,094 |
| Return on assets (ROA) | -1.6369% | 7,080 |
| Pretax return on assets | -1.6369% | 7,048 |
| Return on Equity (ROE) | -27.2132% | 7,180 |
| Retained earnings to average equity (ytd only) | -27.2132% | 7,171 |
| Net charge-offs to loans | 2.3100% | 510 |
| Credit loss provision to net charge-offs | 70.7524% | 4,459 |
| Earnings coverage of net charge-offs (x) | -0.4292% | 5,809 |
| Efficiency ratio | 122.8777% | 277 |
| Assets per employee ($millions) | 4.1877% | 3,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5272% | 552 |
| Loan loss allowance to noncurrent loans | 139.4489% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 2.5077% | 2,577 |
| Noncurrent loans to loans | 2.5294% | 2,739 |
| Net loans and leases to total assets | 61.3833% | 3,874 |
| Net loans and leases to deposits | 70.9006% | 4,154 |
| Net loans and leases to core deposits | 81.2026% | 3,452 |
| Total domestic deposits to total assets | 86.5767% | 2,891 |
| Equity capital to assets | 5.7061% | 7,213 |
| Core capital (leverage) ratio | 5.5521% | 7,179 |
| Tier 1 risk-based capital ratio | 9.1259% | 7,100 |
| Total risk-based capital ratio | 10.4058% | 7,092 |
| Memoranda: |
| Average total assets | $276,458,750 | 2,310 |
| Average earning assets | $258,074,500 | 2,261 |
| Average equity | $16,628,750 | 3,639 |
| Average total loans | $184,120,500 | 2,209 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9782% | 6,698 |
| Cost of funding earning assets | 1.3324% | 1,746 |
| Net interest margin | 2.6458% | 7,083 |
| Noninterest income to average assets | 0.4204% | 4,509 |
| Noninterest expense to average assets | 3.8152% | 1,330 |
| Loan and lease loss provision to assets | 1.3183% | 562 |
| Net operating income to assets | -2.2354% | 7,229 |
| Return on assets (ROA) | -2.2354% | 7,235 |
| Pretax return on assets | -2.2354% | 7,209 |
| Return on Equity (ROE) | -36.5753% | 7,290 |
| Retained earnings to average equity (ytd only) | -36.5753% | 7,285 |
| Net charge-offs to loans | 2.1041% | 620 |
| Credit loss provision to net charge-offs | 92.7783% | 3,384 |
| Earnings coverage of net charge-offs (x) | -0.6454% | 5,568 |
| Efficiency ratio | 131.6449% | 243 |
| Assets per employee ($millions) | 3.9483% | 3,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.7116% | 507 |
| Loan loss allowance to noncurrent loans | 115.5330% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 2.9586% | 2,266 |
| Noncurrent loans to loans | 3.2126% | 2,229 |
| Net loans and leases to total assets | 62.9743% | 3,680 |
| Net loans and leases to deposits | 72.5153% | 4,035 |
| Net loans and leases to core deposits | 85.8581% | 2,930 |
| Total domestic deposits to total assets | 86.8428% | 2,827 |
| Equity capital to assets | 5.6563% | 7,279 |
| Core capital (leverage) ratio | 5.3958% | 7,266 |
| Tier 1 risk-based capital ratio | 8.8128% | 7,194 |
| Total risk-based capital ratio | 10.0963% | 7,193 |
| Memoranda: |
| Average total assets | $280,670,330 | 2,287 |
| Average earning assets | $262,834,330 | 2,230 |
| Average equity | $17,153,670 | 3,546 |
| Average total loans | $189,539,000 | 2,180 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0195% | 6,661 |
| Cost of funding earning assets | 1.3045% | 2,150 |
| Net interest margin | 2.7150% | 6,998 |
| Noninterest income to average assets | 0.4201% | 4,540 |
| Noninterest expense to average assets | 3.0097% | 3,602 |
| Loan and lease loss provision to assets | 1.9872% | 276 |
| Net operating income to assets | -2.0395% | 7,286 |
| Return on assets (ROA) | -2.0395% | 7,286 |
| Pretax return on assets | -2.0395% | 7,259 |
| Return on Equity (ROE) | -32.1983% | 7,338 |
| Retained earnings to average equity (ytd only) | -32.1983% | 7,313 |
| Net charge-offs to loans | 3.6694% | 267 |
| Credit loss provision to net charge-offs | 78.9770% | 3,182 |
| Earnings coverage of net charge-offs (x) | -0.0208% | 4,590 |
| Efficiency ratio | 101.7695% | 680 |
| Assets per employee ($millions) | 4.2974% | 3,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4549% | 632 |
| Loan loss allowance to noncurrent loans | 119.9112% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 3.0501% | 2,263 |
| Noncurrent loans to loans | 2.8813% | 2,607 |
| Net loans and leases to total assets | 61.9656% | 3,859 |
| Net loans and leases to deposits | 72.4294% | 3,998 |
| Net loans and leases to core deposits | 87.9856% | 2,602 |
| Total domestic deposits to total assets | 85.5531% | 3,756 |
| Equity capital to assets | 5.8746% | 7,300 |
| Core capital (leverage) ratio | 5.6771% | 7,298 |
| Tier 1 risk-based capital ratio | 9.3250% | 7,184 |
| Total risk-based capital ratio | 10.6047% | 7,182 |
| Memoranda: |
| Average total assets | $282,815,000 | 2,281 |
| Average earning assets | $264,309,500 | 2,241 |
| Average equity | $17,914,000 | 3,408 |
| Average total loans | $193,929,500 | 2,164 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8438% | 5,257 |
| Cost of funding earning assets | 1.5204% | 2,529 |
| Net interest margin | 3.3234% | 5,897 |
| Noninterest income to average assets | 0.8866% | 1,901 |
| Noninterest expense to average assets | 3.2509% | 2,910 |
| Loan and lease loss provision to assets | 3.0478% | 304 |
| Net operating income to assets | -2.3675% | 7,156 |
| Return on assets (ROA) | -2.1993% | 7,126 |
| Pretax return on assets | -2.1277% | 7,067 |
| Return on Equity (ROE) | -28.7878% | 7,204 |
| Retained earnings to average equity (ytd only) | -28.7878% | 7,192 |
| Net charge-offs to loans | 2.7874% | 633 |
| Credit loss provision to net charge-offs | 136.9688% | 2,794 |
| Earnings coverage of net charge-offs (x) | 0.3379% | 5,768 |
| Efficiency ratio | 81.2180% | 2,264 |
| Assets per employee ($millions) | 3.9058% | 3,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4218% | 622 |
| Loan loss allowance to noncurrent loans | 95.8199% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 3.8997% | 1,749 |
| Noncurrent loans to loans | 3.5711% | 2,103 |
| Net loans and leases to total assets | 70.7543% | 2,363 |
| Net loans and leases to deposits | 84.4578% | 2,377 |
| Net loans and leases to core deposits | 106.8809% | 1,136 |
| Total domestic deposits to total assets | 83.7748% | 4,466 |
| Equity capital to assets | 6.8253% | 7,167 |
| Core capital (leverage) ratio | 6.5937% | 7,173 |
| Tier 1 risk-based capital ratio | 9.4054% | 7,160 |
| Total risk-based capital ratio | 10.6842% | 7,159 |
| Memoranda: |
| Average total assets | $278,136,000 | 2,299 |
| Average earning assets | $260,786,000 | 2,245 |
| Average equity | $21,248,600 | 2,975 |
| Average total loans | $222,031,200 | 1,951 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9405% | 5,078 |
| Cost of funding earning assets | 1.5642% | 2,586 |
| Net interest margin | 3.3763% | 5,761 |
| Noninterest income to average assets | 0.8306% | 2,080 |
| Noninterest expense to average assets | 3.2703% | 2,673 |
| Loan and lease loss provision to assets | 3.4855% | 210 |
| Net operating income to assets | -2.7571% | 7,402 |
| Return on assets (ROA) | -2.5337% | 7,369 |
| Pretax return on assets | -2.5294% | 7,323 |
| Return on Equity (ROE) | -32.3224% | 7,419 |
| Retained earnings to average equity (ytd only) | -32.3224% | 7,414 |
| Net charge-offs to loans | 2.9460% | 540 |
| Credit loss provision to net charge-offs | 145.2845% | 2,704 |
| Earnings coverage of net charge-offs (x) | 0.3054% | 5,725 |
| Efficiency ratio | 81.6957% | 2,098 |
| Assets per employee ($millions) | 3.9604% | 3,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3211% | 622 |
| Loan loss allowance to noncurrent loans | 91.9449% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 3.5227% | 2,019 |
| Noncurrent loans to loans | 3.6120% | 2,162 |
| Net loans and leases to total assets | 72.2490% | 2,200 |
| Net loans and leases to deposits | 85.8390% | 2,379 |
| Net loans and leases to core deposits | 107.5391% | 1,197 |
| Total domestic deposits to total assets | 84.1680% | 4,020 |
| Equity capital to assets | 6.6463% | 7,402 |
| Core capital (leverage) ratio | 6.5812% | 7,314 |
| Tier 1 risk-based capital ratio | 9.2509% | 7,312 |
| Total risk-based capital ratio | 10.5285% | 7,319 |
| Memoranda: |
| Average total assets | $279,318,000 | 2,319 |
| Average earning assets | $262,451,250 | 2,269 |
| Average equity | $21,895,500 | 2,932 |
| Average total loans | $227,463,500 | 1,939 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1071% | 4,417 |
| Cost of funding earning assets | 1.6423% | 2,423 |
| Net interest margin | 3.4648% | 5,389 |
| Noninterest income to average assets | 0.7564% | 2,348 |
| Noninterest expense to average assets | 3.2029% | 2,893 |
| Loan and lease loss provision to assets | 4.8202% | 121 |
| Net operating income to assets | -3.9849% | 7,618 |
| Return on assets (ROA) | -3.8136% | 7,612 |
| Pretax return on assets | -3.8353% | 7,582 |
| Return on Equity (ROE) | -46.2392% | 7,586 |
| Retained earnings to average equity (ytd only) | -46.2392% | 7,581 |
| Net charge-offs to loans | 3.6366% | 394 |
| Credit loss provision to net charge-offs | 158.2998% | 2,488 |
| Earnings coverage of net charge-offs (x) | 0.2666% | 5,458 |
| Efficiency ratio | 79.7773% | 2,468 |
| Assets per employee ($millions) | 3.6445% | 4,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1992% | 704 |
| Loan loss allowance to noncurrent loans | 94.7925% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 3.6621% | 1,912 |
| Noncurrent loans to loans | 3.3750% | 2,367 |
| Net loans and leases to total assets | 80.3989% | 739 |
| Net loans and leases to deposits | 96.3272% | 1,018 |
| Net loans and leases to core deposits | 123.2364% | 594 |
| Total domestic deposits to total assets | 83.4644% | 4,360 |
| Equity capital to assets | 7.0426% | 7,333 |
| Core capital (leverage) ratio | 6.8665% | 7,253 |
| Tier 1 risk-based capital ratio | 8.7319% | 7,457 |
| Total risk-based capital ratio | 10.0081% | 7,470 |
| Memoranda: |
| Average total assets | $277,374,000 | 2,354 |
| Average earning assets | $260,854,000 | 2,297 |
| Average equity | $22,876,670 | 2,813 |
| Average total loans | $232,253,000 | 1,924 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1193% | 4,443 |
| Cost of funding earning assets | 1.6524% | 2,635 |
| Net interest margin | 3.4669% | 5,298 |
| Noninterest income to average assets | 0.6872% | 2,683 |
| Noninterest expense to average assets | 3.1296% | 3,139 |
| Loan and lease loss provision to assets | 1.0523% | 1,173 |
| Net operating income to assets | -0.1918% | 6,537 |
| Return on assets (ROA) | 0.1518% | 5,979 |
| Pretax return on assets | 0.1231% | 6,081 |
| Return on Equity (ROE) | 1.7173% | 5,878 |
| Retained earnings to average equity (ytd only) | 1.7173% | 5,081 |
| Net charge-offs to loans | 3.3687% | 432 |
| Credit loss provision to net charge-offs | 37.1587% | 4,688 |
| Earnings coverage of net charge-offs (x) | 0.2937% | 4,781 |
| Efficiency ratio | 79.0025% | 2,723 |
| Assets per employee ($millions) | 3.9289% | 4,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6559% | 3,228 |
| Loan loss allowance to noncurrent loans | 37.2570% | 5,886 |
| Noncurrent assets plus other real estate owned to assets | 3.5692% | 1,965 |
| Noncurrent loans to loans | 4.4446% | 1,685 |
| Net loans and leases to total assets | 78.9750% | 984 |
| Net loans and leases to deposits | 95.7063% | 1,142 |
| Net loans and leases to core deposits | 122.8743% | 675 |
| Total domestic deposits to total assets | 82.5181% | 4,839 |
| Equity capital to assets | 8.5750% | 5,905 |
| Core capital (leverage) ratio | 8.4366% | 5,488 |
| Tier 1 risk-based capital ratio | 10.9684% | 6,193 |
| Total risk-based capital ratio | 12.2245% | 6,152 |
| Memoranda: |
| Average total assets | $279,392,500 | 2,397 |
| Average earning assets | $263,864,000 | 2,325 |
| Average equity | $24,690,000 | 2,641 |
| Average total loans | $234,868,000 | 1,961 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4982% | 4,150 |
| Cost of funding earning assets | 2.1736% | 2,143 |
| Net interest margin | 3.3246% | 5,645 |
| Noninterest income to average assets | 0.6229% | 3,470 |
| Noninterest expense to average assets | 3.1399% | 3,585 |
| Loan and lease loss provision to assets | 3.5643% | 431 |
| Net operating income to assets | -3.3914% | 7,483 |
| Return on assets (ROA) | -3.2891% | 7,459 |
| Pretax return on assets | -2.8455% | 7,253 |
| Return on Equity (ROE) | -35.1015% | 7,492 |
| Retained earnings to average equity (ytd only) | -35.1015% | 7,481 |
| Net charge-offs to loans | 3.0990% | 667 |
| Credit loss provision to net charge-offs | 133.5989% | 3,732 |
| Earnings coverage of net charge-offs (x) | 0.2311% | 5,898 |
| Efficiency ratio | 83.5891% | 2,402 |
| Assets per employee ($millions) | 3.8306% | 4,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1122% | 1,806 |
| Loan loss allowance to noncurrent loans | 45.2609% | 5,381 |
| Noncurrent assets plus other real estate owned to assets | 4.1081% | 1,602 |
| Noncurrent loans to loans | 4.6668% | 1,509 |
| Net loans and leases to total assets | 86.1685% | 268 |
| Net loans and leases to deposits | 109.7959% | 390 |
| Net loans and leases to core deposits | 120.8450% | 1,891 |
| Total domestic deposits to total assets | 78.4807% | 6,126 |
| Equity capital to assets | 9.1134% | 4,968 |
| Core capital (leverage) ratio | 8.8745% | 4,632 |
| Tier 1 risk-based capital ratio | 10.4569% | 6,443 |
| Total risk-based capital ratio | 11.7188% | 6,399 |
| Memoranda: |
| Average total assets | $277,556,600 | 2,363 |
| Average earning assets | $261,593,800 | 2,311 |
| Average equity | $26,007,400 | 2,529 |
| Average total loans | $238,945,000 | 1,963 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5085% | 4,378 |
| Cost of funding earning assets | 2.2609% | 2,148 |
| Net interest margin | 3.2476% | 5,846 |
| Noninterest income to average assets | 0.5922% | 3,766 |
| Noninterest expense to average assets | 3.2148% | 3,256 |
| Loan and lease loss provision to assets | 3.1704% | 442 |
| Net operating income to assets | -3.4074% | 7,673 |
| Return on assets (ROA) | -3.2717% | 7,650 |
| Pretax return on assets | -2.5973% | 7,385 |
| Return on Equity (ROE) | -34.6845% | 7,697 |
| Retained earnings to average equity (ytd only) | -34.6845% | 7,688 |
| Net charge-offs to loans | 3.3027% | 482 |
| Credit loss provision to net charge-offs | 112.1197% | 4,526 |
| Earnings coverage of net charge-offs (x) | 0.1547% | 5,874 |
| Efficiency ratio | 88.0251% | 1,872 |
| Assets per employee ($millions) | 3.8812% | 3,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3795% | 4,065 |
| Loan loss allowance to noncurrent loans | 30.0613% | 6,456 |
| Noncurrent assets plus other real estate owned to assets | 3.9116% | 1,645 |
| Noncurrent loans to loans | 4.5891% | 1,509 |
| Net loans and leases to total assets | 84.0622% | 531 |
| Net loans and leases to deposits | 107.2834% | 589 |
| Net loans and leases to core deposits | 117.5907% | 2,460 |
| Total domestic deposits to total assets | 78.3553% | 5,993 |
| Equity capital to assets | 9.6472% | 4,556 |
| Core capital (leverage) ratio | 9.4576% | 3,967 |
| Tier 1 risk-based capital ratio | 11.4155% | 5,512 |
| Total risk-based capital ratio | 12.6675% | 5,456 |
| Memoranda: |
| Average total assets | $278,952,250 | 2,367 |
| Average earning assets | $262,834,000 | 2,313 |
| Average equity | $26,312,750 | 2,527 |
| Average total loans | $238,828,000 | 1,988 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5920% | 4,114 |
| Cost of funding earning assets | 2.3644% | 2,108 |
| Net interest margin | 3.2276% | 5,812 |
| Noninterest income to average assets | 0.5029% | 4,420 |
| Noninterest expense to average assets | 3.2261% | 3,250 |
| Loan and lease loss provision to assets | 1.3688% | 1,263 |
| Net operating income to assets | -0.6863% | 6,737 |
| Return on assets (ROA) | -0.5538% | 6,608 |
| Pretax return on assets | -0.8544% | 6,717 |
| Return on Equity (ROE) | -5.9163% | 6,703 |
| Retained earnings to average equity (ytd only) | -5.9163% | 6,437 |
| Net charge-offs to loans | 1.9645% | 946 |
| Credit loss provision to net charge-offs | 81.2606% | 5,155 |
| Earnings coverage of net charge-offs (x) | 0.1844% | 5,486 |
| Efficiency ratio | 91.2170% | 1,707 |
| Assets per employee ($millions) | 3.7299% | 4,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8877% | 6,827 |
| Loan loss allowance to noncurrent loans | 39.2442% | 5,781 |
| Noncurrent assets plus other real estate owned to assets | 1.9393% | 3,284 |
| Noncurrent loans to loans | 2.2619% | 3,172 |
| Net loans and leases to total assets | 84.9755% | 512 |
| Net loans and leases to deposits | 109.0011% | 606 |
| Net loans and leases to core deposits | 118.8077% | 2,475 |
| Total domestic deposits to total assets | 77.9584% | 6,084 |
| Equity capital to assets | 9.1787% | 5,049 |
| Core capital (leverage) ratio | 8.4898% | 5,469 |
| Tier 1 risk-based capital ratio | 10.1559% | 6,766 |
| Total risk-based capital ratio | 11.0732% | 7,051 |
| Memoranda: |
| Average total assets | $278,786,670 | 2,386 |
| Average earning assets | $262,054,330 | 2,331 |
| Average equity | $26,097,330 | 2,551 |
| Average total loans | $239,038,330 | 2,011 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6662% | 3,963 |
| Cost of funding earning assets | 2.4413% | 2,138 |
| Net interest margin | 3.2249% | 5,778 |
| Noninterest income to average assets | 0.2199% | 6,717 |
| Noninterest expense to average assets | 3.1562% | 3,167 |
| Loan and lease loss provision to assets | 0.7905% | 1,629 |
| Net operating income to assets | -0.4423% | 6,820 |
| Return on assets (ROA) | -0.1811% | 6,614 |
| Pretax return on assets | -0.2903% | 6,663 |
| Return on Equity (ROE) | -1.9158% | 6,647 |
| Retained earnings to average equity (ytd only) | -1.9158% | 6,084 |
| Net charge-offs to loans | 1.0225% | 1,319 |
| Credit loss provision to net charge-offs | 90.1639% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.1049% | 4,899 |
| Efficiency ratio | 97.1681% | 1,263 |
| Assets per employee ($millions) | 4.0672% | 3,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0438% | 5,844 |
| Loan loss allowance to noncurrent loans | 63.0878% | 4,419 |
| Noncurrent assets plus other real estate owned to assets | 1.4795% | 3,711 |
| Noncurrent loans to loans | 1.6545% | 3,794 |
| Net loans and leases to total assets | 84.7597% | 584 |
| Net loans and leases to deposits | 106.2352% | 846 |
| Net loans and leases to core deposits | 115.1864% | 2,886 |
| Total domestic deposits to total assets | 79.7850% | 5,438 |
| Equity capital to assets | 9.3868% | 4,826 |
| Core capital (leverage) ratio | 8.9625% | 4,772 |
| Tier 1 risk-based capital ratio | 10.5967% | 6,295 |
| Total risk-based capital ratio | 11.6587% | 6,395 |
| Memoranda: |
| Average total assets | $278,308,000 | 2,396 |
| Average earning assets | $261,339,000 | 2,354 |
| Average equity | $26,307,500 | 2,542 |
| Average total loans | $238,636,000 | 2,036 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3619% | 3,629 |
| Cost of funding earning assets | 2.8931% | 2,294 |
| Net interest margin | 3.4688% | 5,408 |
| Noninterest income to average assets | 0.3019% | 6,292 |
| Noninterest expense to average assets | 2.8194% | 4,742 |
| Loan and lease loss provision to assets | 0.3308% | 3,744 |
| Net operating income to assets | 0.2923% | 5,571 |
| Return on assets (ROA) | 0.4461% | 4,790 |
| Pretax return on assets | 0.6353% | 4,585 |
| Return on Equity (ROE) | 4.8410% | 4,458 |
| Retained earnings to average equity (ytd only) | 4.8410% | 2,117 |
| Net charge-offs to loans | 0.4317% | 2,664 |
| Credit loss provision to net charge-offs | 90.6034% | 5,670 |
| Earnings coverage of net charge-offs (x) | 2.0445% | 5,051 |
| Efficiency ratio | 79.0641% | 2,742 |
| Assets per employee ($millions) | 3.9997% | 3,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0844% | 5,381 |
| Loan loss allowance to noncurrent loans | 135.3530% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.6877% | 5,162 |
| Noncurrent loans to loans | 0.8012% | 5,040 |
| Net loans and leases to total assets | 84.9075% | 747 |
| Net loans and leases to deposits | 107.3142% | 1,019 |
| Net loans and leases to core deposits | 115.9043% | 3,126 |
| Total domestic deposits to total assets | 79.1204% | 5,330 |
| Equity capital to assets | 9.5196% | 4,657 |
| Core capital (leverage) ratio | 9.1622% | 4,500 |
| Tier 1 risk-based capital ratio | 10.5068% | 6,206 |
| Total risk-based capital ratio | 11.5793% | 6,264 |
| Memoranda: |
| Average total assets | $276,868,800 | 2,330 |
| Average earning assets | $260,520,200 | 2,289 |
| Average equity | $25,511,000 | 2,599 |
| Average total loans | $234,204,000 | 2,016 |
