| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.0896% | 87 |
| Cost of funding earning assets | 3.3142% | 96 |
| Net interest margin | 5.7754% | 138 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 2.4094% | 2,562 |
| Loan and lease loss provision to assets | 0.3300% | 321 |
| Net operating income to assets | 2.7544% | 196 |
| Return on assets (ROA) | 2.7544% | 195 |
| Pretax return on assets | 2.8937% | 223 |
| Return on Equity (ROE) | 29.6400% | 189 |
| Retained earnings to average equity (ytd only) | 19.3406% | 146 |
| Net charge-offs to loans | 0.2359% | 458 |
| Credit loss provision to net charge-offs | 162.4043% | 1,394 |
| Earnings coverage of net charge-offs (x) | 18.7218% | 1,925 |
| Efficiency ratio | 42.7397% | 4,296 |
| Assets per employee ($millions) | 18.2166% | 124 |
| Cash dividends to net income (ytd only)* | 34.7585% | 2,352 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5523% | 935 |
| Loan loss allowance to noncurrent loans | 65.9405% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 1.6663% | 206 |
| Noncurrent loans to loans | 2.3540% | 216 |
| Net loans and leases to total assets | 69.6900% | 1,844 |
| Net loans and leases to deposits | 80.0059% | 2,107 |
| Net loans and leases to core deposits | 92.6428% | 1,860 |
| Total domestic deposits to total assets | 87.1000% | 1,646 |
| Equity capital to assets | 10.6509% | 1,653 |
| Core capital (leverage) ratio | 10.7906% | 2,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9923% | 2,249 |
| Memoranda: |
| Average total assets | $4,771,546,800 | 283 |
| Average earning assets | $4,567,344,400 | 270 |
| Average equity | $443,341,800 | 293 |
| Average total loans | $3,488,106,000 | 263 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.9563% | 84 |
| Cost of funding earning assets | 3.1838% | 95 |
| Net interest margin | 5.7726% | 128 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 2.3190% | 2,732 |
| Loan and lease loss provision to assets | 0.4200% | 190 |
| Net operating income to assets | 3.1958% | 159 |
| Return on assets (ROA) | 3.1958% | 159 |
| Pretax return on assets | 3.1972% | 201 |
| Return on Equity (ROE) | 35.7900% | 154 |
| Retained earnings to average equity (ytd only) | 24.1195% | 147 |
| Net charge-offs to loans | 0.3156% | 281 |
| Credit loss provision to net charge-offs | 144.2902% | 1,348 |
| Earnings coverage of net charge-offs (x) | 15.5461% | 1,956 |
| Efficiency ratio | 39.0685% | 4,380 |
| Assets per employee ($millions) | 18.3776% | 114 |
| Cash dividends to net income (ytd only)* | 32.6146% | 1,965 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5066% | 1,094 |
| Loan loss allowance to noncurrent loans | 117.8430% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 0.9058% | 595 |
| Noncurrent loans to loans | 1.2785% | 596 |
| Net loans and leases to total assets | 69.7800% | 1,859 |
| Net loans and leases to deposits | 79.6476% | 2,079 |
| Net loans and leases to core deposits | 92.0507% | 1,792 |
| Total domestic deposits to total assets | 87.6100% | 1,703 |
| Equity capital to assets | 9.0042% | 2,410 |
| Core capital (leverage) ratio | 9.2585% | 3,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $4,707,488,750 | 287 |
| Average earning assets | $4,514,183,500 | 275 |
| Average equity | $420,301,500 | 307 |
| Average total loans | $3,470,416,000 | 266 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.7815% | 84 |
| Cost of funding earning assets | 2.9236% | 97 |
| Net interest margin | 5.8579% | 121 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.5266% | 2,129 |
| Loan and lease loss provision to assets | 0.4500% | 169 |
| Net operating income to assets | 3.4607% | 121 |
| Return on assets (ROA) | 3.4607% | 123 |
| Pretax return on assets | 2.9551% | 215 |
| Return on Equity (ROE) | 38.8800% | 113 |
| Retained earnings to average equity (ytd only) | 25.6531% | 116 |
| Net charge-offs to loans | -0.0011% | 3,451 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 42.5803% | 4,312 |
| Assets per employee ($millions) | 19.6736% | 97 |
| Cash dividends to net income (ytd only)* | 34.0217% | 1,943 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5950% | 943 |
| Loan loss allowance to noncurrent loans | 106.7857% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 1.0583% | 421 |
| Noncurrent loans to loans | 1.4937% | 446 |
| Net loans and leases to total assets | 69.7200% | 1,778 |
| Net loans and leases to deposits | 78.2383% | 2,109 |
| Net loans and leases to core deposits | 96.3806% | 1,446 |
| Total domestic deposits to total assets | 89.1100% | 1,215 |
| Equity capital to assets | 8.5786% | 2,800 |
| Core capital (leverage) ratio | 9.3649% | 3,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $4,598,168,667 | 284 |
| Average earning assets | $4,414,781,667 | 271 |
| Average equity | $409,268,667 | 303 |
| Average total loans | $3,438,072,000 | 260 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.5839% | 45 |
| Cost of funding earning assets | 2.6773% | 71 |
| Net interest margin | 5.9066% | 105 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 1.9513% | 3,744 |
| Loan and lease loss provision to assets | 0.5700% | 126 |
| Net operating income to assets | 3.5658% | 115 |
| Return on assets (ROA) | 3.5658% | 115 |
| Pretax return on assets | 3.5658% | 134 |
| Return on Equity (ROE) | 39.2400% | 117 |
| Retained earnings to average equity (ytd only) | 17.8966% | 521 |
| Net charge-offs to loans | -0.0006% | 3,282 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 32.0599% | 4,590 |
| Assets per employee ($millions) | 18.2166% | 116 |
| Cash dividends to net income (ytd only)* | 54.3861% | 1,082 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5484% | 1,125 |
| Loan loss allowance to noncurrent loans | 103.4425% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 1.1533% | 322 |
| Noncurrent loans to loans | 1.4969% | 433 |
| Net loans and leases to total assets | 75.8600% | 985 |
| Net loans and leases to deposits | 85.2929% | 1,405 |
| Net loans and leases to core deposits | 111.7830% | 646 |
| Total domestic deposits to total assets | 88.9400% | 1,567 |
| Equity capital to assets | 9.0330% | 2,495 |
| Core capital (leverage) ratio | 9.4437% | 3,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $4,359,358,500 | 306 |
| Average earning assets | $4,188,847,500 | 290 |
| Average equity | $396,186,000 | 317 |
| Average total loans | $3,358,967,500 | 269 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7231% | 55 |
| Cost of funding earning assets | 1.3086% | 48 |
| Net interest margin | 5.4144% | 92 |
| Noninterest income to average assets | 0.8900% | 806 |
| Noninterest expense to average assets | 2.3258% | 2,655 |
| Loan and lease loss provision to assets | 0.4100% | 166 |
| Net operating income to assets | 3.3653% | 95 |
| Return on assets (ROA) | 3.3653% | 91 |
| Pretax return on assets | 3.3653% | 104 |
| Return on Equity (ROE) | 37.3900% | 65 |
| Retained earnings to average equity (ytd only) | 20.8879% | 75 |
| Net charge-offs to loans | -0.0028% | 3,511 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 38.1326% | 4,577 |
| Assets per employee ($millions) | 17.2193% | 136 |
| Cash dividends to net income (ytd only)* | 44.1413% | 1,689 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5293% | 1,120 |
| Loan loss allowance to noncurrent loans | 884.2245% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.1696% | 2,358 |
| Noncurrent loans to loans | 0.1730% | 2,618 |
| Net loans and leases to total assets | 75.8600% | 1,025 |
| Net loans and leases to deposits | 84.9363% | 1,395 |
| Net loans and leases to core deposits | 122.6170% | 328 |
| Total domestic deposits to total assets | 89.3200% | 1,628 |
| Equity capital to assets | 9.0457% | 2,329 |
| Core capital (leverage) ratio | 9.3126% | 3,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $3,392,863,000 | 355 |
| Average earning assets | $3,263,379,800 | 333 |
| Average equity | $305,343,800 | 386 |
| Average total loans | $2,616,758,800 | 309 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0372% | 77 |
| Cost of funding earning assets | 0.8915% | 105 |
| Net interest margin | 5.1457% | 101 |
| Noninterest income to average assets | 1.2900% | 438 |
| Noninterest expense to average assets | 2.5798% | 1,766 |
| Loan and lease loss provision to assets | 0.4300% | 126 |
| Net operating income to assets | 3.2241% | 100 |
| Return on assets (ROA) | 3.2241% | 97 |
| Pretax return on assets | 3.2241% | 119 |
| Return on Equity (ROE) | 35.8900% | 58 |
| Retained earnings to average equity (ytd only) | 18.9717% | 132 |
| Net charge-offs to loans | -0.0036% | 3,400 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 41.3739% | 4,537 |
| Assets per employee ($millions) | 18.4895% | 119 |
| Cash dividends to net income (ytd only)* | 47.1345% | 1,313 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4305% | 1,505 |
| Loan loss allowance to noncurrent loans | 1,205.5959% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.1196% | 2,768 |
| Noncurrent loans to loans | 0.1187% | 3,053 |
| Net loans and leases to total assets | 78.4800% | 667 |
| Net loans and leases to deposits | 87.6691% | 1,056 |
| Net loans and leases to core deposits | 138.9944% | 100 |
| Total domestic deposits to total assets | 89.5100% | 1,870 |
| Equity capital to assets | 8.6031% | 2,477 |
| Core capital (leverage) ratio | 9.5447% | 3,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $3,177,789,000 | 376 |
| Average earning assets | $3,054,798,750 | 354 |
| Average equity | $285,498,250 | 399 |
| Average total loans | $2,451,794,000 | 319 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5883% | 96 |
| Cost of funding earning assets | 0.4811% | 584 |
| Net interest margin | 5.1072% | 99 |
| Noninterest income to average assets | 1.0900% | 564 |
| Noninterest expense to average assets | 2.4834% | 1,979 |
| Loan and lease loss provision to assets | 0.2632% | 265 |
| Net operating income to assets | 3.2525% | 61 |
| Return on assets (ROA) | 3.2525% | 59 |
| Pretax return on assets | 3.2525% | 77 |
| Return on Equity (ROE) | 35.4890% | 39 |
| Retained earnings to average equity (ytd only) | 19.0615% | 94 |
| Net charge-offs to loans | -0.0031% | 3,214 |
| Credit loss provision to net charge-offs | -11,126.4706% | 3,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3969% | 4,584 |
| Assets per employee ($millions) | 15.3077% | 189 |
| Cash dividends to net income (ytd only)* | 46.2891% | 1,467 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5480% | 1,278 |
| Loan loss allowance to noncurrent loans | 502.1968% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.2959% | 1,821 |
| Noncurrent loans to loans | 0.3083% | 2,231 |
| Net loans and leases to total assets | 79.1467% | 470 |
| Net loans and leases to deposits | 92.8078% | 566 |
| Net loans and leases to core deposits | 108.8360% | 372 |
| Total domestic deposits to total assets | 85.2802% | 3,419 |
| Equity capital to assets | 8.8735% | 2,474 |
| Core capital (leverage) ratio | 9.7247% | 2,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $2,874,990,333 | 398 |
| Average earning assets | $2,763,450,667 | 388 |
| Average equity | $263,484,333 | 427 |
| Average total loans | $2,184,646,667 | 339 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4227% | 99 |
| Cost of funding earning assets | 0.4003% | 868 |
| Net interest margin | 5.0224% | 96 |
| Noninterest income to average assets | 1.5428% | 343 |
| Noninterest expense to average assets | 2.9743% | 850 |
| Loan and lease loss provision to assets | 0.3337% | 177 |
| Net operating income to assets | 3.0604% | 76 |
| Return on assets (ROA) | 3.0604% | 73 |
| Pretax return on assets | 3.0604% | 99 |
| Return on Equity (ROE) | 32.7741% | 46 |
| Retained earnings to average equity (ytd only) | 15.1907% | 276 |
| Net charge-offs to loans | -0.0008% | 3,002 |
| Credit loss provision to net charge-offs | -56,425.0000% | 3,622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7041% | 4,464 |
| Assets per employee ($millions) | 14.6889% | 216 |
| Cash dividends to net income (ytd only)* | 53.6503% | 1,190 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8719% | 781 |
| Loan loss allowance to noncurrent loans | 519.0900% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.3225% | 1,824 |
| Noncurrent loans to loans | 0.3606% | 2,188 |
| Net loans and leases to total assets | 72.6027% | 782 |
| Net loans and leases to deposits | 85.1719% | 792 |
| Net loans and leases to core deposits | 97.4912% | 595 |
| Total domestic deposits to total assets | 85.2426% | 3,486 |
| Equity capital to assets | 9.2108% | 2,517 |
| Core capital (leverage) ratio | 9.7580% | 2,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $2,705,180,500 | 425 |
| Average earning assets | $2,599,145,500 | 408 |
| Average equity | $252,602,000 | 452 |
| Average total loans | $1,984,839,000 | 369 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5866% | 124 |
| Cost of funding earning assets | 0.5076% | 900 |
| Net interest margin | 5.0790% | 128 |
| Noninterest income to average assets | 2.0233% | 314 |
| Noninterest expense to average assets | 2.9091% | 1,129 |
| Loan and lease loss provision to assets | 0.3704% | 189 |
| Net operating income to assets | 3.6189% | 72 |
| Return on assets (ROA) | 3.6189% | 76 |
| Pretax return on assets | 3.6189% | 96 |
| Return on Equity (ROE) | 35.1124% | 41 |
| Retained earnings to average equity (ytd only) | 17.1682% | 116 |
| Net charge-offs to loans | -0.0748% | 4,487 |
| Credit loss provision to net charge-offs | -677.1429% | 3,827 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1711% | 4,637 |
| Assets per employee ($millions) | 15.1388% | 200 |
| Cash dividends to net income (ytd only)* | 51.1050% | 1,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8891% | 742 |
| Loan loss allowance to noncurrent loans | 556.1395% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.3057% | 2,009 |
| Noncurrent loans to loans | 0.3397% | 2,361 |
| Net loans and leases to total assets | 71.3489% | 897 |
| Net loans and leases to deposits | 84.4646% | 884 |
| Net loans and leases to core deposits | 107.2520% | 341 |
| Total domestic deposits to total assets | 84.4719% | 3,432 |
| Equity capital to assets | 9.4714% | 3,169 |
| Core capital (leverage) ratio | 10.4570% | 1,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $2,111,762,200 | 508 |
| Average earning assets | $2,026,983,600 | 485 |
| Average equity | $217,652,200 | 502 |
| Average total loans | $1,543,248,800 | 462 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6890% | 122 |
| Cost of funding earning assets | 0.5484% | 840 |
| Net interest margin | 5.1406% | 133 |
| Noninterest income to average assets | 2.4475% | 249 |
| Noninterest expense to average assets | 3.0452% | 897 |
| Loan and lease loss provision to assets | 0.3346% | 223 |
| Net operating income to assets | 3.9974% | 66 |
| Return on assets (ROA) | 3.9974% | 66 |
| Pretax return on assets | 3.9974% | 86 |
| Return on Equity (ROE) | 37.7674% | 45 |
| Retained earnings to average equity (ytd only) | 20.9476% | 105 |
| Net charge-offs to loans | -0.0908% | 4,578 |
| Credit loss provision to net charge-offs | -503.1377% | 3,655 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2788% | 4,680 |
| Assets per employee ($millions) | 13.8239% | 254 |
| Cash dividends to net income (ytd only)* | 44.5352% | 1,420 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0556% | 577 |
| Loan loss allowance to noncurrent loans | 187.4809% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 0.8334% | 843 |
| Noncurrent loans to loans | 1.0964% | 1,028 |
| Net loans and leases to total assets | 68.4621% | 1,262 |
| Net loans and leases to deposits | 80.5675% | 1,233 |
| Net loans and leases to core deposits | 92.3505% | 912 |
| Total domestic deposits to total assets | 84.9749% | 3,122 |
| Equity capital to assets | 10.1727% | 2,739 |
| Core capital (leverage) ratio | 11.1175% | 1,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $1,981,164,250 | 539 |
| Average earning assets | $1,899,846,000 | 521 |
| Average equity | $209,692,250 | 518 |
| Average total loans | $1,450,154,000 | 485 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3184% | 211 |
| Cost of funding earning assets | 0.5972% | 755 |
| Net interest margin | 4.7213% | 251 |
| Noninterest income to average assets | 2.9683% | 189 |
| Noninterest expense to average assets | 3.0354% | 924 |
| Loan and lease loss provision to assets | 0.2949% | 291 |
| Net operating income to assets | 4.1662% | 69 |
| Return on assets (ROA) | 4.1662% | 69 |
| Pretax return on assets | 4.1662% | 86 |
| Return on Equity (ROE) | 38.7426% | 49 |
| Retained earnings to average equity (ytd only) | 24.6945% | 77 |
| Net charge-offs to loans | -0.1192% | 4,678 |
| Credit loss provision to net charge-offs | -331.7308% | 3,347 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.4914% | 4,737 |
| Assets per employee ($millions) | 12.5488% | 311 |
| Cash dividends to net income (ytd only)* | 36.2601% | 1,770 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0251% | 579 |
| Loan loss allowance to noncurrent loans | 164.5073% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 0.9910% | 761 |
| Noncurrent loans to loans | 1.2310% | 975 |
| Net loans and leases to total assets | 72.8608% | 869 |
| Net loans and leases to deposits | 87.2460% | 830 |
| Net loans and leases to core deposits | 94.0843% | 898 |
| Total domestic deposits to total assets | 83.5119% | 3,570 |
| Equity capital to assets | 11.0836% | 1,925 |
| Core capital (leverage) ratio | 11.8720% | 1,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $1,872,021,667 | 566 |
| Average earning assets | $1,795,456,333 | 548 |
| Average equity | $201,308,000 | 534 |
| Average total loans | $1,395,644,667 | 500 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9774% | 372 |
| Cost of funding earning assets | 0.6597% | 650 |
| Net interest margin | 4.3177% | 502 |
| Noninterest income to average assets | 2.8022% | 221 |
| Noninterest expense to average assets | 2.8858% | 1,185 |
| Loan and lease loss provision to assets | 0.3710% | 218 |
| Net operating income to assets | 3.6897% | 94 |
| Return on assets (ROA) | 3.6897% | 100 |
| Pretax return on assets | 3.6897% | 124 |
| Return on Equity (ROE) | 34.9255% | 87 |
| Retained earnings to average equity (ytd only) | 24.5908% | 147 |
| Net charge-offs to loans | -0.0141% | 3,832 |
| Credit loss provision to net charge-offs | -3,523.4043% | 3,667 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.5430% | 4,686 |
| Assets per employee ($millions) | 12.4581% | 310 |
| Cash dividends to net income (ytd only)* | 29.5907% | 1,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1041% | 497 |
| Loan loss allowance to noncurrent loans | 154.5595% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 1.0911% | 732 |
| Noncurrent loans to loans | 1.3613% | 939 |
| Net loans and leases to total assets | 72.4757% | 958 |
| Net loans and leases to deposits | 82.5942% | 1,287 |
| Net loans and leases to core deposits | 89.3937% | 1,264 |
| Total domestic deposits to total assets | 87.7492% | 1,980 |
| Equity capital to assets | 10.4362% | 2,328 |
| Core capital (leverage) ratio | 10.8271% | 1,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $1,785,303,000 | 583 |
| Average earning assets | $1,713,590,000 | 561 |
| Average equity | $188,607,000 | 566 |
| Average total loans | $1,332,896,500 | 524 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2213% | 324 |
| Cost of funding earning assets | 1.4161% | 120 |
| Net interest margin | 3.8051% | 1,487 |
| Noninterest income to average assets | 1.6916% | 442 |
| Noninterest expense to average assets | 2.6020% | 2,542 |
| Loan and lease loss provision to assets | 0.5751% | 365 |
| Net operating income to assets | 2.1764% | 190 |
| Return on assets (ROA) | 2.1989% | 195 |
| Pretax return on assets | 2.1989% | 301 |
| Return on Equity (ROE) | 20.2460% | 219 |
| Retained earnings to average equity (ytd only) | 7.7370% | 1,135 |
| Net charge-offs to loans | 0.0611% | 1,905 |
| Credit loss provision to net charge-offs | 1,221.0174% | 673 |
| Earnings coverage of net charge-offs (x) | 58.4190% | 1,083 |
| Efficiency ratio | 48.6038% | 4,605 |
| Assets per employee ($millions) | 11.6623% | 344 |
| Cash dividends to net income (ytd only)* | 61.7853% | 1,282 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1069% | 484 |
| Loan loss allowance to noncurrent loans | 144.6677% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 1.1874% | 734 |
| Noncurrent loans to loans | 1.4564% | 923 |
| Net loans and leases to total assets | 73.7499% | 1,059 |
| Net loans and leases to deposits | 84.5945% | 1,400 |
| Net loans and leases to core deposits | 90.8689% | 1,466 |
| Total domestic deposits to total assets | 87.1805% | 1,853 |
| Equity capital to assets | 10.7032% | 2,519 |
| Core capital (leverage) ratio | 9.2236% | 3,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $1,585,992,400 | 588 |
| Average earning assets | $1,526,333,000 | 564 |
| Average equity | $172,251,000 | 588 |
| Average total loans | $1,222,684,800 | 541 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0638% | 542 |
| Cost of funding earning assets | 1.2459% | 310 |
| Net interest margin | 3.8179% | 1,569 |
| Noninterest income to average assets | 1.3196% | 625 |
| Noninterest expense to average assets | 2.5097% | 2,811 |
| Loan and lease loss provision to assets | 0.7188% | 286 |
| Net operating income to assets | 1.7567% | 503 |
| Return on assets (ROA) | 1.7567% | 562 |
| Pretax return on assets | 1.7567% | 853 |
| Return on Equity (ROE) | 15.1762% | 668 |
| Retained earnings to average equity (ytd only) | 2.6340% | 3,673 |
| Net charge-offs to loans | 0.2032% | 753 |
| Credit loss provision to net charge-offs | 464.1598% | 1,341 |
| Earnings coverage of net charge-offs (x) | 15.9853% | 2,077 |
| Efficiency ratio | 50.3431% | 4,466 |
| Assets per employee ($millions) | 12.2350% | 307 |
| Cash dividends to net income (ytd only)* | 82.6436% | 540 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8593% | 636 |
| Loan loss allowance to noncurrent loans | 652.4889% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.3120% | 2,910 |
| Noncurrent loans to loans | 0.2849% | 3,267 |
| Net loans and leases to total assets | 76.6039% | 1,018 |
| Net loans and leases to deposits | 86.9439% | 1,595 |
| Net loans and leases to core deposits | 93.3318% | 1,685 |
| Total domestic deposits to total assets | 88.1073% | 1,172 |
| Equity capital to assets | 10.0508% | 3,186 |
| Core capital (leverage) ratio | 10.3370% | 2,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $1,465,364,750 | 610 |
| Average earning assets | $1,406,929,000 | 587 |
| Average equity | $169,620,750 | 589 |
| Average total loans | $1,116,932,000 | 571 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2121% | 557 |
| Cost of funding earning assets | 1.3703% | 253 |
| Net interest margin | 3.8418% | 1,707 |
| Noninterest income to average assets | 1.4081% | 535 |
| Noninterest expense to average assets | 2.5968% | 2,676 |
| Loan and lease loss provision to assets | 0.9284% | 238 |
| Net operating income to assets | 1.5637% | 822 |
| Return on assets (ROA) | 1.5637% | 891 |
| Pretax return on assets | 1.5637% | 1,312 |
| Return on Equity (ROE) | 12.8056% | 1,148 |
| Retained earnings to average equity (ytd only) | -0.6189% | 4,424 |
| Net charge-offs to loans | 0.3295% | 494 |
| Credit loss provision to net charge-offs | 373.3956% | 1,466 |
| Earnings coverage of net charge-offs (x) | 10.0233% | 2,180 |
| Efficiency ratio | 51.0290% | 4,436 |
| Assets per employee ($millions) | 11.5740% | 347 |
| Cash dividends to net income (ytd only)* | 104.8330% | 435 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9268% | 501 |
| Loan loss allowance to noncurrent loans | 536.2207% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.2707% | 3,238 |
| Noncurrent loans to loans | 0.3593% | 3,111 |
| Net loans and leases to total assets | 73.8948% | 1,426 |
| Net loans and leases to deposits | 84.3036% | 1,967 |
| Net loans and leases to core deposits | 91.0890% | 1,983 |
| Total domestic deposits to total assets | 87.6533% | 1,348 |
| Equity capital to assets | 10.4200% | 2,821 |
| Core capital (leverage) ratio | 10.5823% | 2,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4973% | 2,400 |
| Memoranda: |
| Average total assets | $1,378,773,333 | 634 |
| Average earning assets | $1,320,994,667 | 607 |
| Average equity | $168,364,333 | 592 |
| Average total loans | $1,040,389,333 | 593 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6061% | 293 |
| Cost of funding earning assets | 1.5121% | 254 |
| Net interest margin | 4.0940% | 1,145 |
| Noninterest income to average assets | 1.2506% | 560 |
| Noninterest expense to average assets | 2.8357% | 2,320 |
| Loan and lease loss provision to assets | 0.9539% | 226 |
| Net operating income to assets | 1.3670% | 1,063 |
| Return on assets (ROA) | 1.3670% | 1,143 |
| Pretax return on assets | 1.3670% | 1,662 |
| Return on Equity (ROE) | 10.2281% | 1,668 |
| Retained earnings to average equity (ytd only) | -4.7917% | 4,506 |
| Net charge-offs to loans | 0.4564% | 317 |
| Credit loss provision to net charge-offs | 276.7528% | 1,233 |
| Earnings coverage of net charge-offs (x) | 6.7334% | 1,969 |
| Efficiency ratio | 54.9917% | 4,308 |
| Assets per employee ($millions) | 9.2785% | 482 |
| Cash dividends to net income (ytd only)* | 146.8481% | 474 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1074% | 429 |
| Loan loss allowance to noncurrent loans | 279.3271% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.5775% | 2,271 |
| Noncurrent loans to loans | 0.7544% | 2,116 |
| Net loans and leases to total assets | 74.7513% | 1,498 |
| Net loans and leases to deposits | 88.1935% | 1,738 |
| Net loans and leases to core deposits | 95.7314% | 1,819 |
| Total domestic deposits to total assets | 84.7582% | 2,506 |
| Equity capital to assets | 12.9724% | 1,443 |
| Core capital (leverage) ratio | 13.1663% | 1,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3662% | 2,127 |
| Memoranda: |
| Average total assets | $1,257,981,500 | 660 |
| Average earning assets | $1,200,187,000 | 640 |
| Average equity | $168,125,500 | 588 |
| Average total loans | $950,142,000 | 626 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3811% | 128 |
| Cost of funding earning assets | 1.4093% | 545 |
| Net interest margin | 4.9717% | 285 |
| Noninterest income to average assets | 1.8270% | 301 |
| Noninterest expense to average assets | 3.9696% | 547 |
| Loan and lease loss provision to assets | 0.4609% | 289 |
| Net operating income to assets | 2.0912% | 279 |
| Return on assets (ROA) | 2.0912% | 289 |
| Pretax return on assets | 2.0912% | 487 |
| Return on Equity (ROE) | 12.7479% | 1,260 |
| Retained earnings to average equity (ytd only) | 3.9715% | 2,974 |
| Net charge-offs to loans | 0.1864% | 1,085 |
| Credit loss provision to net charge-offs | 316.0403% | 878 |
| Earnings coverage of net charge-offs (x) | 17.5013% | 2,106 |
| Efficiency ratio | 60.8677% | 3,556 |
| Assets per employee ($millions) | 9.3041% | 454 |
| Cash dividends to net income (ytd only)* | 68.8459% | 1,179 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0578% | 419 |
| Loan loss allowance to noncurrent loans | 217.1778% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.7077% | 1,829 |
| Noncurrent loans to loans | 0.9475% | 1,618 |
| Net loans and leases to total assets | 73.0062% | 1,922 |
| Net loans and leases to deposits | 85.8747% | 2,107 |
| Net loans and leases to core deposits | 93.6003% | 2,105 |
| Total domestic deposits to total assets | 85.0148% | 2,486 |
| Equity capital to assets | 13.8702% | 1,149 |
| Core capital (leverage) ratio | 12.7775% | 1,342 |
| Tier 1 risk-based capital ratio | 14.1172% | 3,207 |
| Total risk-based capital ratio | 15.3935% | 3,108 |
| Memoranda: |
| Average total assets | $1,021,799,600 | 766 |
| Average earning assets | $964,855,200 | 746 |
| Average equity | $167,620,400 | 551 |
| Average total loans | $799,420,400 | 716 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4286% | 122 |
| Cost of funding earning assets | 1.3366% | 705 |
| Net interest margin | 5.0921% | 239 |
| Noninterest income to average assets | 1.3377% | 525 |
| Noninterest expense to average assets | 3.7545% | 696 |
| Loan and lease loss provision to assets | 0.4947% | 242 |
| Net operating income to assets | 1.8863% | 512 |
| Return on assets (ROA) | 1.8863% | 532 |
| Pretax return on assets | 1.8863% | 894 |
| Return on Equity (ROE) | 10.9626% | 2,032 |
| Retained earnings to average equity (ytd only) | 4.3208% | 3,234 |
| Net charge-offs to loans | 0.0765% | 1,731 |
| Credit loss provision to net charge-offs | 814.4796% | 430 |
| Earnings coverage of net charge-offs (x) | 39.1990% | 1,390 |
| Efficiency ratio | 61.1934% | 3,452 |
| Assets per employee ($millions) | 8.0740% | 673 |
| Cash dividends to net income (ytd only)* | 60.5857% | 1,255 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0951% | 394 |
| Loan loss allowance to noncurrent loans | 201.7080% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.8494% | 1,610 |
| Noncurrent loans to loans | 1.0387% | 1,544 |
| Net loans and leases to total assets | 79.9095% | 858 |
| Net loans and leases to deposits | 96.5941% | 945 |
| Net loans and leases to core deposits | 104.9494% | 1,263 |
| Total domestic deposits to total assets | 82.7272% | 3,242 |
| Equity capital to assets | 15.4042% | 748 |
| Core capital (leverage) ratio | 14.9276% | 753 |
| Tier 1 risk-based capital ratio | 16.0521% | 2,410 |
| Total risk-based capital ratio | 17.3314% | 2,344 |
| Memoranda: |
| Average total assets | $970,215,250 | 806 |
| Average earning assets | $914,158,750 | 785 |
| Average equity | $166,939,250 | 552 |
| Average total loans | $770,412,000 | 737 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4944% | 112 |
| Cost of funding earning assets | 1.2884% | 768 |
| Net interest margin | 5.2060% | 198 |
| Noninterest income to average assets | 1.5865% | 367 |
| Noninterest expense to average assets | 4.0188% | 523 |
| Loan and lease loss provision to assets | 0.1294% | 1,442 |
| Net operating income to assets | 2.3284% | 202 |
| Return on assets (ROA) | 2.3284% | 211 |
| Pretax return on assets | 2.3284% | 336 |
| Return on Equity (ROE) | 12.9949% | 1,248 |
| Retained earnings to average equity (ytd only) | 7.3813% | 1,661 |
| Net charge-offs to loans | -0.0744% | 4,941 |
| Credit loss provision to net charge-offs | -221.4022% | 4,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0514% | 3,424 |
| Assets per employee ($millions) | 7.7643% | 728 |
| Cash dividends to net income (ytd only)* | 43.1984% | 2,086 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1483% | 359 |
| Loan loss allowance to noncurrent loans | 144.8779% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 1.1123% | 1,218 |
| Noncurrent loans to loans | 1.4828% | 1,041 |
| Net loans and leases to total assets | 73.2870% | 2,006 |
| Net loans and leases to deposits | 92.8761% | 1,388 |
| Net loans and leases to core deposits | 100.7381% | 1,654 |
| Total domestic deposits to total assets | 78.9084% | 4,240 |
| Equity capital to assets | 16.6790% | 509 |
| Core capital (leverage) ratio | 15.7309% | 583 |
| Tier 1 risk-based capital ratio | 17.9167% | 1,830 |
| Total risk-based capital ratio | 19.1999% | 1,777 |
| Memoranda: |
| Average total assets | $927,600,670 | 841 |
| Average earning assets | $871,309,000 | 829 |
| Average equity | $166,203,330 | 551 |
| Average total loans | $728,472,330 | 779 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5301% | 116 |
| Cost of funding earning assets | 1.1787% | 958 |
| Net interest margin | 5.3514% | 159 |
| Noninterest income to average assets | 1.1341% | 630 |
| Noninterest expense to average assets | 4.0462% | 506 |
| Loan and lease loss provision to assets | 0.2731% | 502 |
| Net operating income to assets | 1.8212% | 550 |
| Return on assets (ROA) | 1.8212% | 569 |
| Pretax return on assets | 1.8212% | 939 |
| Return on Equity (ROE) | 9.7708% | 2,465 |
| Retained earnings to average equity (ytd only) | 1.6529% | 4,152 |
| Net charge-offs to loans | 0.2460% | 590 |
| Credit loss provision to net charge-offs | 137.6147% | 1,311 |
| Earnings coverage of net charge-offs (x) | 10.5550% | 1,955 |
| Efficiency ratio | 65.8934% | 2,951 |
| Assets per employee ($millions) | 7.3463% | 862 |
| Cash dividends to net income (ytd only)* | 83.0835% | 878 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1869% | 363 |
| Loan loss allowance to noncurrent loans | 135.7911% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 1.2592% | 1,052 |
| Noncurrent loans to loans | 1.6105% | 983 |
| Net loans and leases to total assets | 76.2623% | 1,436 |
| Net loans and leases to deposits | 94.1732% | 1,153 |
| Net loans and leases to core deposits | 106.7571% | 1,121 |
| Total domestic deposits to total assets | 80.9808% | 3,974 |
| Equity capital to assets | 17.7662% | 365 |
| Core capital (leverage) ratio | 17.0862% | 415 |
| Tier 1 risk-based capital ratio | 18.2399% | 1,731 |
| Total risk-based capital ratio | 19.5254% | 1,674 |
| Memoranda: |
| Average total assets | $878,957,000 | 896 |
| Average earning assets | $822,290,500 | 874 |
| Average equity | $163,834,500 | 556 |
| Average total loans | $708,908,500 | 800 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1459% | 138 |
| Cost of funding earning assets | 0.9776% | 826 |
| Net interest margin | 5.1682% | 200 |
| Noninterest income to average assets | 3.1015% | 148 |
| Noninterest expense to average assets | 4.4081% | 326 |
| Loan and lease loss provision to assets | 0.2647% | 639 |
| Net operating income to assets | 3.2282% | 69 |
| Return on assets (ROA) | 3.2282% | 69 |
| Pretax return on assets | 3.2282% | 81 |
| Return on Equity (ROE) | 18.3556% | 358 |
| Retained earnings to average equity (ytd only) | 2.9017% | 3,949 |
| Net charge-offs to loans | 0.0183% | 3,086 |
| Credit loss provision to net charge-offs | 1,800.8929% | 241 |
| Earnings coverage of net charge-offs (x) | 237.6071% | 393 |
| Efficiency ratio | 55.7918% | 4,434 |
| Assets per employee ($millions) | 6.6582% | 1,136 |
| Cash dividends to net income (ytd only)* | 84.1919% | 578 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2437% | 307 |
| Loan loss allowance to noncurrent loans | 130.1800% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 1.4576% | 811 |
| Noncurrent loans to loans | 1.7236% | 836 |
| Net loans and leases to total assets | 81.7641% | 685 |
| Net loans and leases to deposits | 103.1723% | 530 |
| Net loans and leases to core deposits | 109.8897% | 1,011 |
| Total domestic deposits to total assets | 79.2500% | 4,257 |
| Equity capital to assets | 19.6111% | 247 |
| Core capital (leverage) ratio | 17.4594% | 369 |
| Tier 1 risk-based capital ratio | 19.6488% | 1,374 |
| Total risk-based capital ratio | 20.9399% | 1,329 |
| Memoranda: |
| Average total assets | $761,888,400 | 986 |
| Average earning assets | $707,532,800 | 979 |
| Average equity | $133,991,800 | 648 |
| Average total loans | $611,543,000 | 877 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9384% | 172 |
| Cost of funding earning assets | 0.8973% | 933 |
| Net interest margin | 5.0412% | 245 |
| Noninterest income to average assets | 3.0335% | 159 |
| Noninterest expense to average assets | 4.2654% | 367 |
| Loan and lease loss provision to assets | 0.2592% | 597 |
| Net operating income to assets | 3.1859% | 69 |
| Return on assets (ROA) | 3.1859% | 70 |
| Pretax return on assets | 3.1859% | 97 |
| Return on Equity (ROE) | 18.7178% | 364 |
| Retained earnings to average equity (ytd only) | 5.0160% | 3,225 |
| Net charge-offs to loans | 0.0257% | 2,603 |
| Credit loss provision to net charge-offs | 1,269.2982% | 321 |
| Earnings coverage of net charge-offs (x) | 168.6976% | 494 |
| Efficiency ratio | 55.3191% | 4,470 |
| Assets per employee ($millions) | 6.3401% | 1,263 |
| Cash dividends to net income (ytd only)* | 73.2021% | 752 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4588% | 259 |
| Loan loss allowance to noncurrent loans | 94.3090% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 2.0464% | 516 |
| Noncurrent loans to loans | 2.6072% | 488 |
| Net loans and leases to total assets | 75.9275% | 1,670 |
| Net loans and leases to deposits | 92.4936% | 1,566 |
| Net loans and leases to core deposits | 102.0898% | 1,607 |
| Total domestic deposits to total assets | 82.0894% | 3,584 |
| Equity capital to assets | 16.1188% | 521 |
| Core capital (leverage) ratio | 13.9033% | 966 |
| Tier 1 risk-based capital ratio | 15.5428% | 2,633 |
| Total risk-based capital ratio | 16.8407% | 2,546 |
| Memoranda: |
| Average total assets | $744,292,000 | 1,004 |
| Average earning assets | $690,534,750 | 998 |
| Average equity | $126,685,250 | 677 |
| Average total loans | $590,398,750 | 908 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8297% | 195 |
| Cost of funding earning assets | 0.8419% | 954 |
| Net interest margin | 4.9877% | 252 |
| Noninterest income to average assets | 3.4247% | 139 |
| Noninterest expense to average assets | 4.2545% | 384 |
| Loan and lease loss provision to assets | 0.2799% | 516 |
| Net operating income to assets | 3.5107% | 61 |
| Return on assets (ROA) | 3.5107% | 61 |
| Pretax return on assets | 3.5107% | 77 |
| Return on Equity (ROE) | 20.2410% | 251 |
| Retained earnings to average equity (ytd only) | 17.1070% | 122 |
| Net charge-offs to loans | 0.1053% | 1,306 |
| Credit loss provision to net charge-offs | 332.8990% | 942 |
| Earnings coverage of net charge-offs (x) | 45.0879% | 1,207 |
| Efficiency ratio | 52.8831% | 4,798 |
| Assets per employee ($millions) | 6.5803% | 1,138 |
| Cash dividends to net income (ytd only)* | 15.4836% | 3,141 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4534% | 258 |
| Loan loss allowance to noncurrent loans | 88.1860% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 2.0380% | 521 |
| Noncurrent loans to loans | 2.7821% | 435 |
| Net loans and leases to total assets | 70.8798% | 2,453 |
| Net loans and leases to deposits | 91.9741% | 1,585 |
| Net loans and leases to core deposits | 107.5056% | 1,153 |
| Total domestic deposits to total assets | 77.0650% | 4,726 |
| Equity capital to assets | 16.3671% | 459 |
| Core capital (leverage) ratio | 15.4637% | 575 |
| Tier 1 risk-based capital ratio | 17.6670% | 1,899 |
| Total risk-based capital ratio | 18.9674% | 1,840 |
| Memoranda: |
| Average total assets | $730,333,670 | 1,018 |
| Average earning assets | $676,541,330 | 1,020 |
| Average equity | $126,673,330 | 676 |
| Average total loans | $583,210,330 | 920 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0960% | 119 |
| Cost of funding earning assets | 0.7824% | 1,032 |
| Net interest margin | 5.3137% | 136 |
| Noninterest income to average assets | 2.2304% | 236 |
| Noninterest expense to average assets | 4.1053% | 465 |
| Loan and lease loss provision to assets | 0.3023% | 427 |
| Net operating income to assets | 2.7307% | 102 |
| Return on assets (ROA) | 2.7307% | 104 |
| Pretax return on assets | 2.7307% | 149 |
| Return on Equity (ROE) | 15.2406% | 765 |
| Retained earnings to average equity (ytd only) | 15.2406% | 309 |
| Net charge-offs to loans | 0.2741% | 567 |
| Credit loss provision to net charge-offs | 131.1558% | 1,328 |
| Earnings coverage of net charge-offs (x) | 13.1608% | 1,766 |
| Efficiency ratio | 57.5114% | 4,411 |
| Assets per employee ($millions) | 5.8109% | 1,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3938% | 287 |
| Loan loss allowance to noncurrent loans | 105.1999% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 1.8864% | 632 |
| Noncurrent loans to loans | 2.2755% | 638 |
| Net loans and leases to total assets | 80.9179% | 806 |
| Net loans and leases to deposits | 100.2502% | 685 |
| Net loans and leases to core deposits | 105.2455% | 1,298 |
| Total domestic deposits to total assets | 80.7160% | 4,272 |
| Equity capital to assets | 18.1010% | 304 |
| Core capital (leverage) ratio | 15.5176% | 553 |
| Tier 1 risk-based capital ratio | 17.5395% | 1,960 |
| Total risk-based capital ratio | 18.8378% | 1,901 |
| Memoranda: |
| Average total assets | $690,814,000 | 1,081 |
| Average earning assets | $638,054,000 | 1,078 |
| Average equity | $123,774,500 | 693 |
| Average total loans | $580,760,000 | 926 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4238% | 79 |
| Cost of funding earning assets | 0.6216% | 1,460 |
| Net interest margin | 5.8022% | 82 |
| Noninterest income to average assets | 2.4921% | 220 |
| Noninterest expense to average assets | 4.4399% | 331 |
| Loan and lease loss provision to assets | 0.7863% | 145 |
| Net operating income to assets | 2.6224% | 103 |
| Return on assets (ROA) | 2.6224% | 103 |
| Pretax return on assets | 2.6224% | 152 |
| Return on Equity (ROE) | 16.0830% | 472 |
| Retained earnings to average equity (ytd only) | 8.1856% | 696 |
| Net charge-offs to loans | 0.1114% | 1,950 |
| Credit loss provision to net charge-offs | 841.8495% | 414 |
| Earnings coverage of net charge-offs (x) | 36.4953% | 1,337 |
| Efficiency ratio | 56.5694% | 4,707 |
| Assets per employee ($millions) | 5.7506% | 1,709 |
| Cash dividends to net income (ytd only)* | 49.1040% | 2,351 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3505% | 295 |
| Loan loss allowance to noncurrent loans | 101.4124% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 1.9761% | 571 |
| Noncurrent loans to loans | 2.3178% | 606 |
| Net loans and leases to total assets | 83.2536% | 519 |
| Net loans and leases to deposits | 114.1095% | 177 |
| Net loans and leases to core deposits | 122.4325% | 513 |
| Total domestic deposits to total assets | 72.9593% | 5,262 |
| Equity capital to assets | 17.7299% | 335 |
| Core capital (leverage) ratio | 14.1615% | 799 |
| Tier 1 risk-based capital ratio | 17.0684% | 2,066 |
| Total risk-based capital ratio | 18.3673% | 2,014 |
| Memoranda: |
| Average total assets | $683,075,400 | 1,065 |
| Average earning assets | $630,607,400 | 1,072 |
| Average equity | $111,378,400 | 738 |
| Average total loans | $572,554,600 | 901 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4572% | 76 |
| Cost of funding earning assets | 0.5767% | 1,698 |
| Net interest margin | 5.8805% | 75 |
| Noninterest income to average assets | 2.1983% | 277 |
| Noninterest expense to average assets | 4.2784% | 383 |
| Loan and lease loss provision to assets | 0.4337% | 304 |
| Net operating income to assets | 2.9181% | 86 |
| Return on assets (ROA) | 2.9181% | 86 |
| Pretax return on assets | 2.9181% | 122 |
| Return on Equity (ROE) | 18.2968% | 310 |
| Retained earnings to average equity (ytd only) | 9.5188% | 700 |
| Net charge-offs to loans | 0.1331% | 1,463 |
| Credit loss provision to net charge-offs | 390.3339% | 780 |
| Earnings coverage of net charge-offs (x) | 30.1651% | 1,545 |
| Efficiency ratio | 56.0720% | 4,728 |
| Assets per employee ($millions) | 5.9780% | 1,510 |
| Cash dividends to net income (ytd only)* | 47.9757% | 1,865 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9352% | 654 |
| Loan loss allowance to noncurrent loans | 83.6059% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 1.8581% | 725 |
| Noncurrent loans to loans | 2.3147% | 685 |
| Net loans and leases to total assets | 78.3761% | 1,216 |
| Net loans and leases to deposits | 103.7202% | 512 |
| Net loans and leases to core deposits | 117.5987% | 678 |
| Total domestic deposits to total assets | 75.5649% | 5,069 |
| Equity capital to assets | 17.4748% | 380 |
| Core capital (leverage) ratio | 15.9231% | 501 |
| Tier 1 risk-based capital ratio | 17.3728% | 2,046 |
| Total risk-based capital ratio | 18.6648% | 1,987 |
| Memoranda: |
| Average total assets | $682,763,000 | 1,074 |
| Average earning assets | $630,680,500 | 1,072 |
| Average equity | $108,890,500 | 755 |
| Average total loans | $569,833,500 | 898 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5363% | 75 |
| Cost of funding earning assets | 0.5779% | 1,592 |
| Net interest margin | 5.9585% | 76 |
| Noninterest income to average assets | 2.2091% | 273 |
| Noninterest expense to average assets | 4.3685% | 346 |
| Loan and lease loss provision to assets | 0.4172% | 306 |
| Net operating income to assets | 2.9240% | 87 |
| Return on assets (ROA) | 2.9240% | 86 |
| Pretax return on assets | 2.9240% | 122 |
| Return on Equity (ROE) | 18.9438% | 265 |
| Retained earnings to average equity (ytd only) | 10.7778% | 474 |
| Net charge-offs to loans | 0.2261% | 898 |
| Credit loss provision to net charge-offs | 217.9448% | 1,189 |
| Earnings coverage of net charge-offs (x) | 17.4540% | 1,923 |
| Efficiency ratio | 56.6625% | 4,747 |
| Assets per employee ($millions) | 5.9471% | 1,503 |
| Cash dividends to net income (ytd only)* | 43.1067% | 2,186 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7717% | 940 |
| Loan loss allowance to noncurrent loans | 174.3250% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 0.8795% | 2,017 |
| Noncurrent loans to loans | 1.0163% | 1,933 |
| Net loans and leases to total assets | 84.1633% | 427 |
| Net loans and leases to deposits | 105.3786% | 424 |
| Net loans and leases to core deposits | 115.1816% | 746 |
| Total domestic deposits to total assets | 79.8675% | 4,442 |
| Equity capital to assets | 18.3600% | 299 |
| Core capital (leverage) ratio | 14.8981% | 656 |
| Tier 1 risk-based capital ratio | 17.1357% | 2,125 |
| Total risk-based capital ratio | 18.4264% | 2,053 |
| Memoranda: |
| Average total assets | $681,192,330 | 1,078 |
| Average earning assets | $628,853,000 | 1,075 |
| Average equity | $105,142,330 | 783 |
| Average total loans | $576,628,330 | 901 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3404% | 86 |
| Cost of funding earning assets | 0.5459% | 1,740 |
| Net interest margin | 5.7946% | 88 |
| Noninterest income to average assets | 2.1814% | 281 |
| Noninterest expense to average assets | 4.3377% | 372 |
| Loan and lease loss provision to assets | 0.4973% | 207 |
| Net operating income to assets | 2.6918% | 107 |
| Return on assets (ROA) | 2.6918% | 112 |
| Pretax return on assets | 2.6918% | 171 |
| Return on Equity (ROE) | 19.0984% | 279 |
| Retained earnings to average equity (ytd only) | 10.5801% | 680 |
| Net charge-offs to loans | 0.5080% | 360 |
| Credit loss provision to net charge-offs | 116.2884% | 1,429 |
| Earnings coverage of net charge-offs (x) | 7.4579% | 2,134 |
| Efficiency ratio | 57.6305% | 4,759 |
| Assets per employee ($millions) | 6.5728% | 1,149 |
| Cash dividends to net income (ytd only)* | 44.6023% | 1,861 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5752% | 1,442 |
| Loan loss allowance to noncurrent loans | 232.2786% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.5832% | 2,901 |
| Noncurrent loans to loans | 0.6782% | 2,816 |
| Net loans and leases to total assets | 82.4152% | 525 |
| Net loans and leases to deposits | 108.6171% | 247 |
| Net loans and leases to core deposits | 116.8302% | 566 |
| Total domestic deposits to total assets | 75.8768% | 5,242 |
| Equity capital to assets | 16.6870% | 412 |
| Core capital (leverage) ratio | 14.4210% | 738 |
| Tier 1 risk-based capital ratio | 16.2786% | 2,447 |
| Total risk-based capital ratio | 17.5677% | 2,373 |
| Memoranda: |
| Average total assets | $700,645,500 | 1,054 |
| Average earning assets | $646,326,500 | 1,049 |
| Average equity | $98,751,500 | 835 |
| Average total loans | $589,783,000 | 889 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2429% | 90 |
| Cost of funding earning assets | 0.5100% | 2,015 |
| Net interest margin | 5.7329% | 78 |
| Noninterest income to average assets | 1.6775% | 426 |
| Noninterest expense to average assets | 3.7997% | 776 |
| Loan and lease loss provision to assets | 1.0793% | 91 |
| Net operating income to assets | 2.0454% | 289 |
| Return on assets (ROA) | 2.0472% | 299 |
| Pretax return on assets | 2.0501% | 446 |
| Return on Equity (ROE) | 17.0079% | 402 |
| Retained earnings to average equity (ytd only) | 5.7903% | 1,831 |
| Net charge-offs to loans | 0.7425% | 284 |
| Credit loss provision to net charge-offs | 168.1002% | 1,644 |
| Earnings coverage of net charge-offs (x) | 4.8712% | 3,432 |
| Efficiency ratio | 54.8511% | 5,165 |
| Assets per employee ($millions) | 6.7729% | 1,019 |
| Cash dividends to net income (ytd only)* | 65.9552% | 1,501 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4926% | 1,698 |
| Loan loss allowance to noncurrent loans | 112.6992% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 1.1206% | 1,661 |
| Noncurrent loans to loans | 1.3245% | 1,554 |
| Net loans and leases to total assets | 83.3440% | 446 |
| Net loans and leases to deposits | 95.9091% | 1,006 |
| Net loans and leases to core deposits | 108.2992% | 1,003 |
| Total domestic deposits to total assets | 86.8990% | 2,202 |
| Equity capital to assets | 11.5783% | 2,100 |
| Core capital (leverage) ratio | 9.9075% | 3,612 |
| Tier 1 risk-based capital ratio | 10.8305% | 5,415 |
| Total risk-based capital ratio | 12.1126% | 5,304 |
| Memoranda: |
| Average total assets | $659,130,200 | 1,079 |
| Average earning assets | $603,586,200 | 1,079 |
| Average equity | $79,339,400 | 998 |
| Average total loans | $569,984,600 | 871 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9205% | 134 |
| Cost of funding earning assets | 0.5025% | 2,088 |
| Net interest margin | 5.4180% | 127 |
| Noninterest income to average assets | 1.7420% | 419 |
| Noninterest expense to average assets | 4.0763% | 536 |
| Loan and lease loss provision to assets | 0.8434% | 126 |
| Net operating income to assets | 1.7682% | 518 |
| Return on assets (ROA) | 1.7707% | 541 |
| Pretax return on assets | 1.7753% | 938 |
| Return on Equity (ROE) | 14.5580% | 729 |
| Retained earnings to average equity (ytd only) | 3.1420% | 4,031 |
| Net charge-offs to loans | 0.1976% | 1,184 |
| Credit loss provision to net charge-offs | 490.6363% | 721 |
| Earnings coverage of net charge-offs (x) | 15.2197% | 2,196 |
| Efficiency ratio | 60.9090% | 4,406 |
| Assets per employee ($millions) | 6.6308% | 1,032 |
| Cash dividends to net income (ytd only)* | 78.4175% | 786 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5473% | 1,615 |
| Loan loss allowance to noncurrent loans | 70.3339% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 1.9662% | 796 |
| Noncurrent loans to loans | 2.1999% | 849 |
| Net loans and leases to total assets | 87.9931% | 133 |
| Net loans and leases to deposits | 113.1343% | 198 |
| Net loans and leases to core deposits | 120.6515% | 487 |
| Total domestic deposits to total assets | 77.7775% | 4,952 |
| Equity capital to assets | 11.7688% | 2,286 |
| Core capital (leverage) ratio | 9.6791% | 3,963 |
| Tier 1 risk-based capital ratio | 10.5311% | 5,603 |
| Total risk-based capital ratio | 11.8148% | 5,512 |
| Memoranda: |
| Average total assets | $646,125,250 | 1,103 |
| Average earning assets | $590,360,000 | 1,107 |
| Average equity | $78,589,500 | 1,014 |
| Average total loans | $562,060,250 | 882 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8700% | 146 |
| Cost of funding earning assets | 0.4803% | 2,270 |
| Net interest margin | 5.3897% | 134 |
| Noninterest income to average assets | 1.7241% | 428 |
| Noninterest expense to average assets | 3.9997% | 593 |
| Loan and lease loss provision to assets | 1.0490% | 94 |
| Net operating income to assets | 1.5801% | 756 |
| Return on assets (ROA) | 1.5838% | 792 |
| Pretax return on assets | 1.5907% | 1,395 |
| Return on Equity (ROE) | 12.8735% | 1,063 |
| Retained earnings to average equity (ytd only) | 0.6952% | 5,096 |
| Net charge-offs to loans | 0.1836% | 1,244 |
| Credit loss provision to net charge-offs | 663.2207% | 524 |
| Earnings coverage of net charge-offs (x) | 16.6660% | 1,919 |
| Efficiency ratio | 60.2758% | 4,612 |
| Assets per employee ($millions) | 7.0559% | 853 |
| Cash dividends to net income (ytd only)* | 94.6000% | 596 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5289% | 1,759 |
| Loan loss allowance to noncurrent loans | 110.6130% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 1.1723% | 1,792 |
| Noncurrent loans to loans | 1.3822% | 1,616 |
| Net loans and leases to total assets | 83.1954% | 491 |
| Net loans and leases to deposits | 107.4864% | 316 |
| Net loans and leases to core deposits | 115.0067% | 678 |
| Total domestic deposits to total assets | 77.4008% | 5,094 |
| Equity capital to assets | 11.2827% | 2,761 |
| Core capital (leverage) ratio | 10.0806% | 3,474 |
| Tier 1 risk-based capital ratio | 10.5462% | 5,656 |
| Total risk-based capital ratio | 11.8320% | 5,551 |
| Memoranda: |
| Average total assets | $636,053,000 | 1,113 |
| Average earning assets | $579,625,670 | 1,129 |
| Average equity | $78,253,670 | 1,019 |
| Average total loans | $547,918,000 | 898 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0759% | 112 |
| Cost of funding earning assets | 0.4667% | 2,410 |
| Net interest margin | 5.6093% | 96 |
| Noninterest income to average assets | 1.7201% | 419 |
| Noninterest expense to average assets | 4.0734% | 565 |
| Loan and lease loss provision to assets | 0.4110% | 332 |
| Net operating income to assets | 2.3336% | 195 |
| Return on assets (ROA) | 2.3414% | 203 |
| Pretax return on assets | 2.3414% | 303 |
| Return on Equity (ROE) | 18.1749% | 341 |
| Retained earnings to average equity (ytd only) | 6.4002% | 2,185 |
| Net charge-offs to loans | 0.1805% | 1,074 |
| Credit loss provision to net charge-offs | 261.5063% | 925 |
| Earnings coverage of net charge-offs (x) | 17.4644% | 1,575 |
| Efficiency ratio | 59.7454% | 4,783 |
| Assets per employee ($millions) | 6.2926% | 1,225 |
| Cash dividends to net income (ytd only)* | 64.7852% | 1,318 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2278% | 3,322 |
| Loan loss allowance to noncurrent loans | 617.6190% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.1753% | 4,867 |
| Noncurrent loans to loans | 0.1988% | 4,703 |
| Net loans and leases to total assets | 84.5989% | 318 |
| Net loans and leases to deposits | 100.6203% | 588 |
| Net loans and leases to core deposits | 108.3653% | 954 |
| Total domestic deposits to total assets | 84.0774% | 3,485 |
| Equity capital to assets | 12.8105% | 1,505 |
| Core capital (leverage) ratio | 10.5336% | 2,922 |
| Tier 1 risk-based capital ratio | 11.3460% | 5,314 |
| Total risk-based capital ratio | 12.5487% | 5,248 |
| Memoranda: |
| Average total assets | $608,341,500 | 1,160 |
| Average earning assets | $552,868,500 | 1,172 |
| Average equity | $78,372,000 | 1,018 |
| Average total loans | $529,773,000 | 925 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6623% | 211 |
| Cost of funding earning assets | 0.4642% | 2,492 |
| Net interest margin | 5.1982% | 183 |
| Noninterest income to average assets | 1.7277% | 444 |
| Noninterest expense to average assets | 3.8600% | 797 |
| Loan and lease loss provision to assets | 0.2883% | 607 |
| Net operating income to assets | 2.3082% | 205 |
| Return on assets (ROA) | 2.3297% | 201 |
| Pretax return on assets | 2.3330% | 279 |
| Return on Equity (ROE) | 20.2564% | 241 |
| Retained earnings to average equity (ytd only) | 6.8386% | 1,358 |
| Net charge-offs to loans | 0.1393% | 1,959 |
| Credit loss provision to net charge-offs | 273.0435% | 1,061 |
| Earnings coverage of net charge-offs (x) | 24.6203% | 1,662 |
| Efficiency ratio | 59.7527% | 4,937 |
| Assets per employee ($millions) | 6.1225% | 1,305 |
| Cash dividends to net income (ytd only)* | 66.2397% | 1,421 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1478% | 3,767 |
| Loan loss allowance to noncurrent loans | 474.6304% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.3168% | 4,328 |
| Noncurrent loans to loans | 0.2418% | 4,565 |
| Net loans and leases to total assets | 87.5425% | 143 |
| Net loans and leases to deposits | 101.3202% | 586 |
| Net loans and leases to core deposits | 107.9420% | 974 |
| Total domestic deposits to total assets | 86.4018% | 2,428 |
| Equity capital to assets | 12.9573% | 1,374 |
| Core capital (leverage) ratio | 10.3130% | 3,145 |
| Tier 1 risk-based capital ratio | 12.1043% | 4,885 |
| Total risk-based capital ratio | 13.2473% | 4,852 |
| Memoranda: |
| Average total assets | $653,398,000 | 1,048 |
| Average earning assets | $594,826,800 | 1,050 |
| Average equity | $75,146,600 | 1,017 |
| Average total loans | $495,379,600 | 948 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5347% | 246 |
| Cost of funding earning assets | 0.4552% | 2,637 |
| Net interest margin | 5.0795% | 217 |
| Noninterest income to average assets | 1.8915% | 390 |
| Noninterest expense to average assets | 3.6103% | 1,100 |
| Loan and lease loss provision to assets | 0.2768% | 573 |
| Net operating income to assets | 2.6330% | 138 |
| Return on assets (ROA) | 2.6588% | 134 |
| Pretax return on assets | 2.6632% | 184 |
| Return on Equity (ROE) | 23.7963% | 141 |
| Retained earnings to average equity (ytd only) | 12.2293% | 339 |
| Net charge-offs to loans | 0.1891% | 1,347 |
| Credit loss provision to net charge-offs | 200.5797% | 1,329 |
| Earnings coverage of net charge-offs (x) | 21.1202% | 1,839 |
| Efficiency ratio | 55.3345% | 5,420 |
| Assets per employee ($millions) | 7.0152% | 863 |
| Cash dividends to net income (ytd only)* | 48.6086% | 1,940 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1505% | 3,920 |
| Loan loss allowance to noncurrent loans | 691.2346% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.2213% | 4,882 |
| Noncurrent loans to loans | 0.1664% | 4,986 |
| Net loans and leases to total assets | 72.1826% | 2,035 |
| Net loans and leases to deposits | 82.6720% | 2,570 |
| Net loans and leases to core deposits | 100.4762% | 1,475 |
| Total domestic deposits to total assets | 87.3120% | 1,888 |
| Equity capital to assets | 11.9200% | 2,168 |
| Core capital (leverage) ratio | 9.1571% | 4,796 |
| Tier 1 risk-based capital ratio | 12.9468% | 4,457 |
| Total risk-based capital ratio | 14.0565% | 4,457 |
| Memoranda: |
| Average total assets | $666,745,750 | 1,034 |
| Average earning assets | $608,126,250 | 1,040 |
| Average equity | $74,497,000 | 1,031 |
| Average total loans | $486,384,500 | 966 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1790% | 443 |
| Cost of funding earning assets | 0.4247% | 2,991 |
| Net interest margin | 4.7544% | 394 |
| Noninterest income to average assets | 1.2384% | 794 |
| Noninterest expense to average assets | 3.3897% | 1,485 |
| Loan and lease loss provision to assets | 0.2996% | 517 |
| Net operating income to assets | 1.8874% | 438 |
| Return on assets (ROA) | 1.9237% | 440 |
| Pretax return on assets | 1.9237% | 701 |
| Return on Equity (ROE) | 17.6089% | 439 |
| Retained earnings to average equity (ytd only) | 5.8834% | 2,310 |
| Net charge-offs to loans | 0.2464% | 1,055 |
| Credit loss provision to net charge-offs | 166.7780% | 1,426 |
| Earnings coverage of net charge-offs (x) | 12.1736% | 2,235 |
| Efficiency ratio | 60.7830% | 4,863 |
| Assets per employee ($millions) | 6.6757% | 970 |
| Cash dividends to net income (ytd only)* | 66.5887% | 1,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0728% | 4,471 |
| Loan loss allowance to noncurrent loans | 304.0115% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.3855% | 4,359 |
| Noncurrent loans to loans | 0.3529% | 4,437 |
| Net loans and leases to total assets | 77.1354% | 1,193 |
| Net loans and leases to deposits | 88.0913% | 1,826 |
| Net loans and leases to core deposits | 98.5301% | 1,610 |
| Total domestic deposits to total assets | 87.5630% | 1,872 |
| Equity capital to assets | 11.7865% | 2,174 |
| Core capital (leverage) ratio | 9.9576% | 3,668 |
| Tier 1 risk-based capital ratio | 12.0483% | 5,111 |
| Total risk-based capital ratio | 13.1066% | 5,142 |
| Memoranda: |
| Average total assets | $666,846,670 | 1,044 |
| Average earning assets | $608,490,670 | 1,045 |
| Average equity | $72,849,330 | 1,058 |
| Average total loans | $486,294,330 | 964 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9916% | 575 |
| Cost of funding earning assets | 0.3916% | 3,392 |
| Net interest margin | 4.5999% | 497 |
| Noninterest income to average assets | -0.7131% | 6,404 |
| Noninterest expense to average assets | 2.9539% | 2,727 |
| Loan and lease loss provision to assets | 0.2483% | 672 |
| Net operating income to assets | 0.3074% | 5,389 |
| Return on assets (ROA) | 0.3408% | 5,390 |
| Pretax return on assets | 0.3408% | 5,556 |
| Return on Equity (ROE) | 3.2379% | 5,287 |
| Retained earnings to average equity (ytd only) | -7.8610% | 6,072 |
| Net charge-offs to loans | 0.2895% | 825 |
| Credit loss provision to net charge-offs | 121.4900% | 1,431 |
| Earnings coverage of net charge-offs (x) | 2.7192% | 2,711 |
| Efficiency ratio | 84.1675% | 1,364 |
| Assets per employee ($millions) | 7.9907% | 551 |
| Cash dividends to net income (ytd only)* | 342.7835% | 80 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0231% | 4,908 |
| Loan loss allowance to noncurrent loans | 224.9322% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 0.3016% | 4,764 |
| Noncurrent loans to loans | 0.4548% | 4,220 |
| Net loans and leases to total assets | 62.1573% | 3,343 |
| Net loans and leases to deposits | 68.8228% | 3,878 |
| Net loans and leases to core deposits | 92.0721% | 1,940 |
| Total domestic deposits to total assets | 90.3151% | 600 |
| Equity capital to assets | 9.1850% | 5,107 |
| Core capital (leverage) ratio | 9.9362% | 3,687 |
| Tier 1 risk-based capital ratio | 12.0041% | 5,231 |
| Total risk-based capital ratio | 13.0496% | 5,268 |
| Memoranda: |
| Average total assets | $683,173,000 | 1,020 |
| Average earning assets | $627,137,500 | 1,019 |
| Average equity | $71,899,500 | 1,071 |
| Average total loans | $482,195,000 | 970 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7292% | 218 |
| Cost of funding earning assets | 0.5105% | 2,568 |
| Net interest margin | 5.2187% | 205 |
| Noninterest income to average assets | 1.3203% | 707 |
| Noninterest expense to average assets | 4.1647% | 625 |
| Loan and lease loss provision to assets | 0.1256% | 2,085 |
| Net operating income to assets | 1.6475% | 642 |
| Return on assets (ROA) | 1.7662% | 519 |
| Pretax return on assets | 1.7662% | 855 |
| Return on Equity (ROE) | 13.3229% | 1,074 |
| Retained earnings to average equity (ytd only) | 1.8265% | 4,892 |
| Net charge-offs to loans | 0.2363% | 1,789 |
| Credit loss provision to net charge-offs | 67.4326% | 3,126 |
| Earnings coverage of net charge-offs (x) | 9.5175% | 2,738 |
| Efficiency ratio | 70.1385% | 3,507 |
| Assets per employee ($millions) | 6.2236% | 1,231 |
| Cash dividends to net income (ytd only)* | 86.2908% | 685 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0269% | 4,915 |
| Loan loss allowance to noncurrent loans | 312.4204% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.3329% | 4,717 |
| Noncurrent loans to loans | 0.3287% | 4,661 |
| Net loans and leases to total assets | 79.9538% | 746 |
| Net loans and leases to deposits | 91.8376% | 1,304 |
| Net loans and leases to core deposits | 109.5948% | 798 |
| Total domestic deposits to total assets | 87.0600% | 2,245 |
| Equity capital to assets | 12.2802% | 1,803 |
| Core capital (leverage) ratio | 11.7634% | 1,786 |
| Tier 1 risk-based capital ratio | 13.7356% | 4,275 |
| Total risk-based capital ratio | 14.7548% | 4,351 |
| Memoranda: |
| Average total assets | $537,302,800 | 1,245 |
| Average earning assets | $475,407,800 | 1,284 |
| Average equity | $71,230,600 | 1,032 |
| Average total loans | $423,624,400 | 1,037 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7648% | 203 |
| Cost of funding earning assets | 0.5333% | 2,432 |
| Net interest margin | 5.2315% | 193 |
| Noninterest income to average assets | 1.5249% | 540 |
| Noninterest expense to average assets | 3.9336% | 808 |
| Loan and lease loss provision to assets | 0.1273% | 1,971 |
| Net operating income to assets | 2.0656% | 306 |
| Return on assets (ROA) | 2.0656% | 317 |
| Pretax return on assets | 2.0656% | 487 |
| Return on Equity (ROE) | 15.2634% | 779 |
| Retained earnings to average equity (ytd only) | 4.0533% | 3,765 |
| Net charge-offs to loans | 0.1443% | 2,357 |
| Credit loss provision to net charge-offs | 112.6126% | 2,008 |
| Earnings coverage of net charge-offs (x) | 19.4030% | 1,787 |
| Efficiency ratio | 64.2071% | 4,506 |
| Assets per employee ($millions) | 6.2414% | 1,172 |
| Cash dividends to net income (ytd only)* | 73.4443% | 912 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2360% | 4,041 |
| Loan loss allowance to noncurrent loans | 229.0728% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.4856% | 4,429 |
| Noncurrent loans to loans | 0.5396% | 4,316 |
| Net loans and leases to total assets | 74.3806% | 1,460 |
| Net loans and leases to deposits | 92.5903% | 1,172 |
| Net loans and leases to core deposits | 118.4588% | 426 |
| Total domestic deposits to total assets | 80.3331% | 5,000 |
| Equity capital to assets | 12.9335% | 1,463 |
| Core capital (leverage) ratio | 12.3829% | 1,471 |
| Tier 1 risk-based capital ratio | 14.3304% | 4,005 |
| Total risk-based capital ratio | 15.4692% | 3,999 |
| Memoranda: |
| Average total assets | $523,817,250 | 1,293 |
| Average earning assets | $460,736,000 | 1,342 |
| Average equity | $70,886,750 | 1,036 |
| Average total loans | $410,123,500 | 1,072 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7968% | 186 |
| Cost of funding earning assets | 0.5603% | 2,257 |
| Net interest margin | 5.2365% | 187 |
| Noninterest income to average assets | 0.2813% | 5,176 |
| Noninterest expense to average assets | 3.8884% | 862 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9786% | 2,418 |
| Return on assets (ROA) | 0.9786% | 2,495 |
| Pretax return on assets | 0.9786% | 3,566 |
| Return on Equity (ROE) | 7.1141% | 3,567 |
| Retained earnings to average equity (ytd only) | -5.6633% | 6,274 |
| Net charge-offs to loans | 0.0663% | 3,044 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 18.5896% | 1,672 |
| Efficiency ratio | 79.8935% | 2,040 |
| Assets per employee ($millions) | 5.7257% | 1,502 |
| Cash dividends to net income (ytd only)* | 179.6066% | 156 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2331% | 4,260 |
| Loan loss allowance to noncurrent loans | 140.1045% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 0.7735% | 3,655 |
| Noncurrent loans to loans | 0.8802% | 3,499 |
| Net loans and leases to total assets | 76.6659% | 1,089 |
| Net loans and leases to deposits | 88.6869% | 1,509 |
| Net loans and leases to core deposits | 103.8055% | 1,035 |
| Total domestic deposits to total assets | 86.4456% | 2,793 |
| Equity capital to assets | 13.0180% | 1,364 |
| Core capital (leverage) ratio | 11.9729% | 1,671 |
| Tier 1 risk-based capital ratio | 13.7027% | 4,449 |
| Total risk-based capital ratio | 14.8221% | 4,479 |
| Memoranda: |
| Average total assets | $509,101,330 | 1,328 |
| Average earning assets | $445,835,330 | 1,382 |
| Average equity | $70,029,670 | 1,041 |
| Average total loans | $404,250,330 | 1,082 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8015% | 188 |
| Cost of funding earning assets | 0.5746% | 2,205 |
| Net interest margin | 5.2269% | 176 |
| Noninterest income to average assets | -0.3973% | 6,707 |
| Noninterest expense to average assets | 3.4113% | 1,670 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7487% | 3,425 |
| Return on assets (ROA) | 0.7487% | 3,507 |
| Pretax return on assets | 0.7487% | 4,316 |
| Return on Equity (ROE) | 5.2909% | 4,396 |
| Retained earnings to average equity (ytd only) | -10.4398% | 6,375 |
| Net charge-offs to loans | 0.0380% | 2,850 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 24.5000% | 1,172 |
| Efficiency ratio | 82.0027% | 1,925 |
| Assets per employee ($millions) | 5.9723% | 1,323 |
| Cash dividends to net income (ytd only)* | 297.3147% | 120 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2645% | 4,312 |
| Loan loss allowance to noncurrent loans | 139.0734% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.8251% | 3,668 |
| Noncurrent loans to loans | 0.9092% | 3,608 |
| Net loans and leases to total assets | 78.9473% | 662 |
| Net loans and leases to deposits | 96.9019% | 601 |
| Net loans and leases to core deposits | 122.2175% | 285 |
| Total domestic deposits to total assets | 81.4714% | 5,103 |
| Equity capital to assets | 13.5249% | 1,088 |
| Core capital (leverage) ratio | 12.8466% | 1,227 |
| Tier 1 risk-based capital ratio | 14.6249% | 3,934 |
| Total risk-based capital ratio | 15.8358% | 3,904 |
| Memoranda: |
| Average total assets | $497,406,000 | 1,361 |
| Average earning assets | $433,681,500 | 1,428 |
| Average equity | $70,384,500 | 1,033 |
| Average total loans | $399,707,000 | 1,098 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1926% | 649 |
| Cost of funding earning assets | 0.6068% | 2,600 |
| Net interest margin | 4.5858% | 630 |
| Noninterest income to average assets | 6.1173% | 108 |
| Noninterest expense to average assets | 4.9999% | 349 |
| Loan and lease loss provision to assets | 0.0741% | 3,632 |
| Net operating income to assets | 5.0602% | 47 |
| Return on assets (ROA) | 5.0602% | 46 |
| Pretax return on assets | 5.0598% | 54 |
| Return on Equity (ROE) | 41.3305% | 25 |
| Retained earnings to average equity (ytd only) | 30.1271% | 31 |
| Net charge-offs to loans | 0.0236% | 4,955 |
| Credit loss provision to net charge-offs | 446.4286% | 513 |
| Earnings coverage of net charge-offs (x) | 309.1429% | 146 |
| Efficiency ratio | 49.3386% | 6,427 |
| Assets per employee ($millions) | 5.1191% | 2,048 |
| Cash dividends to net income (ytd only)* | 27.1069% | 3,411 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3457% | 3,910 |
| Loan loss allowance to noncurrent loans | 99.5812% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 1.2016% | 2,996 |
| Noncurrent loans to loans | 1.3513% | 2,878 |
| Net loans and leases to total assets | 79.6980% | 625 |
| Net loans and leases to deposits | 100.9540% | 438 |
| Net loans and leases to core deposits | 111.7205% | 548 |
| Total domestic deposits to total assets | 78.9449% | 5,663 |
| Equity capital to assets | 14.8179% | 705 |
| Core capital (leverage) ratio | 12.9000% | 1,176 |
| Tier 1 risk-based capital ratio | 15.9512% | 3,117 |
| Total risk-based capital ratio | 17.2008% | 3,078 |
| Memoranda: |
| Average total assets | $505,811,200 | 1,318 |
| Average earning assets | $443,015,800 | 1,368 |
| Average equity | $61,927,600 | 1,166 |
| Average total loans | $355,985,800 | 1,205 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9745% | 987 |
| Cost of funding earning assets | 0.5981% | 2,824 |
| Net interest margin | 4.3764% | 940 |
| Noninterest income to average assets | 6.1685% | 108 |
| Noninterest expense to average assets | 5.4627% | 255 |
| Loan and lease loss provision to assets | 0.0651% | 3,755 |
| Net operating income to assets | 4.4827% | 50 |
| Return on assets (ROA) | 4.4827% | 49 |
| Pretax return on assets | 4.4822% | 61 |
| Return on Equity (ROE) | 38.5174% | 34 |
| Retained earnings to average equity (ytd only) | 25.4873% | 44 |
| Net charge-offs to loans | 0.0268% | 4,591 |
| Credit loss provision to net charge-offs | 357.1429% | 736 |
| Earnings coverage of net charge-offs (x) | 249.4455% | 237 |
| Efficiency ratio | 54.5724% | 6,051 |
| Assets per employee ($millions) | 5.4932% | 1,628 |
| Cash dividends to net income (ytd only)* | 33.8291% | 2,525 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4223% | 3,801 |
| Loan loss allowance to noncurrent loans | 90.1726% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 1.1996% | 3,252 |
| Noncurrent loans to loans | 1.5773% | 2,804 |
| Net loans and leases to total assets | 68.0013% | 2,294 |
| Net loans and leases to deposits | 78.7927% | 2,549 |
| Net loans and leases to core deposits | 99.1650% | 1,169 |
| Total domestic deposits to total assets | 86.3041% | 3,075 |
| Equity capital to assets | 12.2710% | 1,730 |
| Core capital (leverage) ratio | 11.7230% | 1,874 |
| Tier 1 risk-based capital ratio | 14.8843% | 3,824 |
| Total risk-based capital ratio | 16.1350% | 3,777 |
| Memoranda: |
| Average total assets | $511,965,250 | 1,305 |
| Average earning assets | $449,403,000 | 1,363 |
| Average equity | $59,583,750 | 1,219 |
| Average total loans | $347,798,750 | 1,226 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8914% | 1,116 |
| Cost of funding earning assets | 0.6114% | 2,835 |
| Net interest margin | 4.2799% | 1,072 |
| Noninterest income to average assets | 7.4115% | 92 |
| Noninterest expense to average assets | 5.2828% | 294 |
| Loan and lease loss provision to assets | 0.0983% | 3,151 |
| Net operating income to assets | 5.8045% | 35 |
| Return on assets (ROA) | 5.8045% | 35 |
| Pretax return on assets | 5.8038% | 50 |
| Return on Equity (ROE) | 50.8196% | 18 |
| Retained earnings to average equity (ytd only) | 41.6250% | 13 |
| Net charge-offs to loans | 0.1338% | 3,037 |
| Credit loss provision to net charge-offs | 108.6957% | 2,042 |
| Earnings coverage of net charge-offs (x) | 65.2652% | 666 |
| Efficiency ratio | 47.2317% | 6,584 |
| Assets per employee ($millions) | 5.0827% | 2,019 |
| Cash dividends to net income (ytd only)* | 18.0925% | 3,063 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3752% | 4,144 |
| Loan loss allowance to noncurrent loans | 123.2604% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 0.9875% | 3,790 |
| Noncurrent loans to loans | 1.1157% | 3,697 |
| Net loans and leases to total assets | 74.4503% | 1,184 |
| Net loans and leases to deposits | 89.5437% | 1,185 |
| Net loans and leases to core deposits | 97.8575% | 1,224 |
| Total domestic deposits to total assets | 83.1441% | 4,648 |
| Equity capital to assets | 13.5498% | 1,110 |
| Core capital (leverage) ratio | 10.5626% | 2,809 |
| Tier 1 risk-based capital ratio | 15.3473% | 3,566 |
| Total risk-based capital ratio | 16.5977% | 3,525 |
| Memoranda: |
| Average total assets | $508,670,330 | 1,312 |
| Average earning assets | $448,463,330 | 1,362 |
| Average equity | $58,099,670 | 1,249 |
| Average total loans | $343,736,670 | 1,232 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5295% | 2,065 |
| Cost of funding earning assets | 0.5902% | 3,203 |
| Net interest margin | 3.9393% | 1,981 |
| Noninterest income to average assets | 5.0645% | 146 |
| Noninterest expense to average assets | 5.1904% | 324 |
| Loan and lease loss provision to assets | 0.1145% | 2,803 |
| Net operating income to assets | 3.2550% | 89 |
| Return on assets (ROA) | 3.2550% | 94 |
| Pretax return on assets | 3.2542% | 127 |
| Return on Equity (ROE) | 31.1425% | 67 |
| Retained earnings to average equity (ytd only) | 31.1425% | 41 |
| Net charge-offs to loans | 0.1098% | 2,774 |
| Credit loss provision to net charge-offs | 163.0435% | 1,286 |
| Earnings coverage of net charge-offs (x) | 47.9783% | 695 |
| Efficiency ratio | 60.6420% | 5,497 |
| Assets per employee ($millions) | 6.1785% | 1,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4918% | 3,864 |
| Loan loss allowance to noncurrent loans | 121.6354% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.8079% | 4,349 |
| Noncurrent loans to loans | 1.2264% | 3,725 |
| Net loans and leases to total assets | 55.6434% | 4,142 |
| Net loans and leases to deposits | 62.4168% | 4,486 |
| Net loans and leases to core deposits | 75.8336% | 3,348 |
| Total domestic deposits to total assets | 89.1482% | 1,598 |
| Equity capital to assets | 9.5952% | 4,713 |
| Core capital (leverage) ratio | 10.5816% | 2,671 |
| Tier 1 risk-based capital ratio | 14.0488% | 4,475 |
| Total risk-based capital ratio | 15.2546% | 4,458 |
| Memoranda: |
| Average total assets | $524,116,500 | 1,291 |
| Average earning assets | $464,955,000 | 1,322 |
| Average equity | $54,780,500 | 1,331 |
| Average total loans | $335,271,500 | 1,270 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9068% | 1,819 |
| Cost of funding earning assets | 0.7649% | 2,966 |
| Net interest margin | 4.1419% | 1,853 |
| Noninterest income to average assets | 4.6625% | 159 |
| Noninterest expense to average assets | 6.2883% | 199 |
| Loan and lease loss provision to assets | 0.3661% | 1,794 |
| Net operating income to assets | 1.6462% | 692 |
| Return on assets (ROA) | 1.6462% | 768 |
| Pretax return on assets | 1.6485% | 1,267 |
| Return on Equity (ROE) | 13.4118% | 1,123 |
| Retained earnings to average equity (ytd only) | 4.6514% | 2,942 |
| Net charge-offs to loans | 0.2865% | 3,229 |
| Credit loss provision to net charge-offs | 189.7983% | 1,377 |
| Earnings coverage of net charge-offs (x) | 10.4437% | 2,140 |
| Efficiency ratio | 75.7359% | 2,791 |
| Assets per employee ($millions) | 4.6917% | 2,654 |
| Cash dividends to net income (ytd only)* | 65.3183% | 1,545 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4724% | 3,851 |
| Loan loss allowance to noncurrent loans | 70.9668% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 1.7410% | 2,782 |
| Noncurrent loans to loans | 2.0748% | 2,608 |
| Net loans and leases to total assets | 72.6360% | 1,399 |
| Net loans and leases to deposits | 83.3515% | 1,832 |
| Net loans and leases to core deposits | 97.5993% | 1,174 |
| Total domestic deposits to total assets | 87.1442% | 2,744 |
| Equity capital to assets | 11.5686% | 2,376 |
| Core capital (leverage) ratio | 10.8124% | 2,432 |
| Tier 1 risk-based capital ratio | 12.9416% | 5,150 |
| Total risk-based capital ratio | 14.1823% | 5,100 |
| Memoranda: |
| Average total assets | $436,998,800 | 1,514 |
| Average earning assets | $384,100,600 | 1,565 |
| Average equity | $53,639,200 | 1,325 |
| Average total loans | $294,199,000 | 1,427 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8781% | 2,093 |
| Cost of funding earning assets | 0.7793% | 3,118 |
| Net interest margin | 4.0988% | 2,093 |
| Noninterest income to average assets | 5.1800% | 137 |
| Noninterest expense to average assets | 6.4449% | 181 |
| Loan and lease loss provision to assets | 0.1541% | 3,597 |
| Net operating income to assets | 2.1907% | 286 |
| Return on assets (ROA) | 2.1907% | 325 |
| Pretax return on assets | 2.1938% | 486 |
| Return on Equity (ROE) | 17.5820% | 543 |
| Retained earnings to average equity (ytd only) | 17.5820% | 135 |
| Net charge-offs to loans | 0.2546% | 3,195 |
| Credit loss provision to net charge-offs | 92.2509% | 3,227 |
| Earnings coverage of net charge-offs (x) | 14.0516% | 1,865 |
| Efficiency ratio | 73.2969% | 3,101 |
| Assets per employee ($millions) | 4.1200% | 3,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4401% | 4,192 |
| Loan loss allowance to noncurrent loans | 57.5139% | 4,773 |
| Noncurrent assets plus other real estate owned to assets | 1.8498% | 2,863 |
| Noncurrent loans to loans | 2.5039% | 2,290 |
| Net loans and leases to total assets | 66.1442% | 2,624 |
| Net loans and leases to deposits | 78.3485% | 2,614 |
| Net loans and leases to core deposits | 90.2475% | 1,958 |
| Total domestic deposits to total assets | 84.4230% | 4,020 |
| Equity capital to assets | 13.3633% | 1,404 |
| Core capital (leverage) ratio | 12.0373% | 1,634 |
| Tier 1 risk-based capital ratio | 16.4780% | 3,014 |
| Total risk-based capital ratio | 17.7289% | 2,976 |
| Memoranda: |
| Average total assets | $432,475,000 | 1,539 |
| Average earning assets | $381,204,000 | 1,586 |
| Average equity | $53,887,000 | 1,334 |
| Average total loans | $283,873,250 | 1,484 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9540% | 1,920 |
| Cost of funding earning assets | 0.7834% | 3,331 |
| Net interest margin | 4.1706% | 1,837 |
| Noninterest income to average assets | 4.7860% | 141 |
| Noninterest expense to average assets | 6.3839% | 185 |
| Loan and lease loss provision to assets | 0.1614% | 3,496 |
| Net operating income to assets | 1.9161% | 449 |
| Return on assets (ROA) | 1.9161% | 513 |
| Pretax return on assets | 1.9174% | 820 |
| Return on Equity (ROE) | 15.7535% | 803 |
| Retained earnings to average equity (ytd only) | 15.7535% | 239 |
| Net charge-offs to loans | 0.3170% | 2,759 |
| Credit loss provision to net charge-offs | 78.1250% | 3,370 |
| Earnings coverage of net charge-offs (x) | 10.0647% | 2,103 |
| Efficiency ratio | 75.4358% | 2,836 |
| Assets per employee ($millions) | 4.3814% | 3,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3834% | 4,524 |
| Loan loss allowance to noncurrent loans | 53.0864% | 4,948 |
| Noncurrent assets plus other real estate owned to assets | 1.7732% | 3,075 |
| Noncurrent loans to loans | 2.6059% | 2,304 |
| Net loans and leases to total assets | 62.1171% | 3,406 |
| Net loans and leases to deposits | 71.3792% | 3,706 |
| Net loans and leases to core deposits | 80.5857% | 3,135 |
| Total domestic deposits to total assets | 87.0241% | 2,751 |
| Equity capital to assets | 11.5845% | 2,505 |
| Core capital (leverage) ratio | 11.7258% | 1,770 |
| Tier 1 risk-based capital ratio | 14.9675% | 3,789 |
| Total risk-based capital ratio | 16.2175% | 3,737 |
| Memoranda: |
| Average total assets | $433,807,000 | 1,531 |
| Average earning assets | $382,435,670 | 1,581 |
| Average equity | $52,763,000 | 1,348 |
| Average total loans | $282,646,000 | 1,489 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1219% | 1,522 |
| Cost of funding earning assets | 0.8493% | 3,072 |
| Net interest margin | 4.2726% | 1,551 |
| Noninterest income to average assets | 6.1118% | 112 |
| Noninterest expense to average assets | 6.0782% | 195 |
| Loan and lease loss provision to assets | 0.2402% | 2,547 |
| Net operating income to assets | 3.5301% | 82 |
| Return on assets (ROA) | 3.5301% | 93 |
| Pretax return on assets | 3.5301% | 119 |
| Return on Equity (ROE) | 28.2670% | 126 |
| Retained earnings to average equity (ytd only) | 28.2670% | 65 |
| Net charge-offs to loans | 0.4430% | 1,983 |
| Credit loss provision to net charge-offs | 81.6993% | 2,698 |
| Earnings coverage of net charge-offs (x) | 12.8235% | 1,573 |
| Efficiency ratio | 61.7171% | 5,323 |
| Assets per employee ($millions) | 4.2077% | 3,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4113% | 4,561 |
| Loan loss allowance to noncurrent loans | 77.4732% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 1.8473% | 3,116 |
| Noncurrent loans to loans | 1.8216% | 3,376 |
| Net loans and leases to total assets | 68.5193% | 2,019 |
| Net loans and leases to deposits | 79.6717% | 2,249 |
| Net loans and leases to core deposits | 98.8772% | 1,057 |
| Total domestic deposits to total assets | 86.0021% | 3,524 |
| Equity capital to assets | 12.7925% | 1,550 |
| Core capital (leverage) ratio | 12.1226% | 1,521 |
| Tier 1 risk-based capital ratio | 14.7502% | 3,925 |
| Total risk-based capital ratio | 16.0004% | 3,884 |
| Memoranda: |
| Average total assets | $416,306,500 | 1,598 |
| Average earning assets | $364,084,000 | 1,667 |
| Average equity | $51,990,000 | 1,364 |
| Average total loans | $276,321,500 | 1,526 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3235% | 5,684 |
| Cost of funding earning assets | 0.9959% | 3,410 |
| Net interest margin | 3.3276% | 5,732 |
| Noninterest income to average assets | 4.2761% | 144 |
| Noninterest expense to average assets | 5.0778% | 364 |
| Loan and lease loss provision to assets | 0.9196% | 1,040 |
| Net operating income to assets | 1.2032% | 1,506 |
| Return on assets (ROA) | 1.3174% | 1,299 |
| Pretax return on assets | 1.3174% | 2,061 |
| Return on Equity (ROE) | 12.8436% | 1,198 |
| Retained earnings to average equity (ytd only) | 12.8436% | 241 |
| Net charge-offs to loans | 1.6663% | 931 |
| Credit loss provision to net charge-offs | 103.4237% | 3,346 |
| Earnings coverage of net charge-offs (x) | 2.3874% | 4,018 |
| Efficiency ratio | 70.5190% | 3,840 |
| Assets per employee ($millions) | 4.6800% | 2,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6076% | 3,556 |
| Loan loss allowance to noncurrent loans | 59.3249% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 1.9869% | 2,985 |
| Noncurrent loans to loans | 2.7098% | 2,395 |
| Net loans and leases to total assets | 62.1655% | 3,571 |
| Net loans and leases to deposits | 71.6250% | 3,858 |
| Net loans and leases to core deposits | 111.6083% | 575 |
| Total domestic deposits to total assets | 86.7931% | 2,881 |
| Equity capital to assets | 12.1777% | 1,990 |
| Core capital (leverage) ratio | 10.5158% | 2,710 |
| Tier 1 risk-based capital ratio | 15.7301% | 3,206 |
| Total risk-based capital ratio | 16.9826% | 3,159 |
| Memoranda: |
| Average total assets | $489,442,800 | 1,367 |
| Average earning assets | $430,164,000 | 1,405 |
| Average equity | $50,204,000 | 1,358 |
| Average total loans | $261,176,600 | 1,612 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2560% | 6,069 |
| Cost of funding earning assets | 1.0155% | 3,570 |
| Net interest margin | 3.2406% | 6,044 |
| Noninterest income to average assets | 4.9334% | 127 |
| Noninterest expense to average assets | 4.8941% | 413 |
| Loan and lease loss provision to assets | 1.0486% | 803 |
| Net operating income to assets | 1.8413% | 480 |
| Return on assets (ROA) | 1.8413% | 515 |
| Pretax return on assets | 1.8413% | 878 |
| Return on Equity (ROE) | 18.6573% | 408 |
| Retained earnings to average equity (ytd only) | 18.6573% | 102 |
| Net charge-offs to loans | 1.7504% | 776 |
| Credit loss provision to net charge-offs | 116.6084% | 2,800 |
| Earnings coverage of net charge-offs (x) | 3.2136% | 3,537 |
| Efficiency ratio | 62.8741% | 5,264 |
| Assets per employee ($millions) | 5.0252% | 2,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8369% | 2,810 |
| Loan loss allowance to noncurrent loans | 70.0015% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 1.7328% | 3,498 |
| Noncurrent loans to loans | 2.6242% | 2,648 |
| Net loans and leases to total assets | 54.3994% | 5,111 |
| Net loans and leases to deposits | 62.1307% | 5,389 |
| Net loans and leases to core deposits | 105.6717% | 889 |
| Total domestic deposits to total assets | 87.5564% | 2,323 |
| Equity capital to assets | 11.2173% | 2,949 |
| Core capital (leverage) ratio | 9.8852% | 3,597 |
| Tier 1 risk-based capital ratio | 15.9159% | 3,160 |
| Total risk-based capital ratio | 17.1706% | 3,113 |
| Memoranda: |
| Average total assets | $508,842,500 | 1,319 |
| Average earning assets | $447,602,750 | 1,367 |
| Average equity | $50,216,750 | 1,361 |
| Average total loans | $261,418,750 | 1,625 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2681% | 6,116 |
| Cost of funding earning assets | 0.9917% | 4,002 |
| Net interest margin | 3.2764% | 5,924 |
| Noninterest income to average assets | 7.2859% | 93 |
| Noninterest expense to average assets | 5.0354% | 360 |
| Loan and lease loss provision to assets | 0.9683% | 914 |
| Net operating income to assets | 4.1758% | 61 |
| Return on assets (ROA) | 4.1758% | 61 |
| Pretax return on assets | 4.1758% | 90 |
| Return on Equity (ROE) | 44.0324% | 26 |
| Retained earnings to average equity (ytd only) | 44.0324% | 17 |
| Net charge-offs to loans | 1.5773% | 933 |
| Credit loss provision to net charge-offs | 122.2488% | 2,490 |
| Earnings coverage of net charge-offs (x) | 6.4943% | 2,389 |
| Efficiency ratio | 49.4657% | 6,971 |
| Assets per employee ($millions) | 5.6223% | 1,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7462% | 3,165 |
| Loan loss allowance to noncurrent loans | 61.4366% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 1.5312% | 3,906 |
| Noncurrent loans to loans | 2.8422% | 2,569 |
| Net loans and leases to total assets | 48.9422% | 5,954 |
| Net loans and leases to deposits | 55.4420% | 6,184 |
| Net loans and leases to core deposits | 96.6340% | 1,616 |
| Total domestic deposits to total assets | 88.2764% | 1,978 |
| Equity capital to assets | 10.5661% | 3,422 |
| Core capital (leverage) ratio | 10.2779% | 2,951 |
| Tier 1 risk-based capital ratio | 16.5331% | 2,723 |
| Total risk-based capital ratio | 17.7864% | 2,676 |
| Memoranda: |
| Average total assets | $527,702,000 | 1,270 |
| Average earning assets | $466,062,330 | 1,321 |
| Average equity | $50,045,000 | 1,346 |
| Average total loans | $265,014,000 | 1,626 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3460% | 5,871 |
| Cost of funding earning assets | 1.0193% | 4,066 |
| Net interest margin | 3.3267% | 5,689 |
| Noninterest income to average assets | 9.1697% | 73 |
| Noninterest expense to average assets | 4.9620% | 376 |
| Loan and lease loss provision to assets | 0.9810% | 788 |
| Net operating income to assets | 6.1637% | 42 |
| Return on assets (ROA) | 6.1637% | 44 |
| Pretax return on assets | 6.1637% | 57 |
| Return on Equity (ROE) | 68.8046% | 19 |
| Retained earnings to average equity (ytd only) | 68.8046% | 13 |
| Net charge-offs to loans | 1.0525% | 1,298 |
| Credit loss provision to net charge-offs | 184.8656% | 1,588 |
| Earnings coverage of net charge-offs (x) | 13.4639% | 1,435 |
| Efficiency ratio | 40.9857% | 7,372 |
| Assets per employee ($millions) | 6.1357% | 1,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7774% | 3,075 |
| Loan loss allowance to noncurrent loans | 62.2013% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 1.4483% | 4,099 |
| Noncurrent loans to loans | 2.8575% | 2,638 |
| Net loans and leases to total assets | 47.9721% | 6,081 |
| Net loans and leases to deposits | 53.6326% | 6,330 |
| Net loans and leases to core deposits | 99.7072% | 1,364 |
| Total domestic deposits to total assets | 89.4459% | 1,509 |
| Equity capital to assets | 9.7096% | 4,160 |
| Core capital (leverage) ratio | 9.1717% | 4,332 |
| Tier 1 risk-based capital ratio | 13.4552% | 4,454 |
| Total risk-based capital ratio | 14.7064% | 4,433 |
| Memoranda: |
| Average total assets | $532,928,500 | 1,262 |
| Average earning assets | $470,502,000 | 1,313 |
| Average equity | $47,741,000 | 1,401 |
| Average total loans | $268,695,000 | 1,625 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0628% | 4,270 |
| Cost of funding earning assets | 1.1369% | 4,925 |
| Net interest margin | 3.9259% | 3,368 |
| Noninterest income to average assets | 5.7378% | 116 |
| Noninterest expense to average assets | 5.7196% | 266 |
| Loan and lease loss provision to assets | 2.0755% | 624 |
| Net operating income to assets | 1.3163% | 1,130 |
| Return on assets (ROA) | 1.1697% | 1,564 |
| Pretax return on assets | 1.1697% | 2,330 |
| Return on Equity (ROE) | 9.9663% | 1,940 |
| Retained earnings to average equity (ytd only) | 1.9703% | 4,487 |
| Net charge-offs to loans | 2.8733% | 601 |
| Credit loss provision to net charge-offs | 123.4279% | 3,363 |
| Earnings coverage of net charge-offs (x) | 2.0171% | 4,222 |
| Efficiency ratio | 62.7742% | 5,560 |
| Assets per employee ($millions) | 6.1866% | 1,091 |
| Cash dividends to net income (ytd only)* | 80.2299% | 841 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4580% | 4,235 |
| Loan loss allowance to noncurrent loans | 75.6422% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 1.0815% | 4,843 |
| Noncurrent loans to loans | 1.9275% | 3,658 |
| Net loans and leases to total assets | 51.2440% | 6,018 |
| Net loans and leases to deposits | 58.1023% | 6,243 |
| Net loans and leases to core deposits | 182.0295% | 103 |
| Total domestic deposits to total assets | 88.1962% | 2,123 |
| Equity capital to assets | 8.2044% | 6,256 |
| Core capital (leverage) ratio | 8.4026% | 5,528 |
| Tier 1 risk-based capital ratio | 11.6794% | 5,744 |
| Total risk-based capital ratio | 12.9087% | 5,770 |
| Memoranda: |
| Average total assets | $379,240,200 | 1,734 |
| Average earning assets | $325,884,400 | 1,833 |
| Average equity | $44,510,200 | 1,500 |
| Average total loans | $221,939,200 | 1,952 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4664% | 2,575 |
| Cost of funding earning assets | 1.1852% | 4,945 |
| Net interest margin | 4.2812% | 1,909 |
| Noninterest income to average assets | 6.9574% | 97 |
| Noninterest expense to average assets | 5.6282% | 256 |
| Loan and lease loss provision to assets | 2.3121% | 478 |
| Net operating income to assets | 2.6464% | 118 |
| Return on assets (ROA) | 2.6475% | 122 |
| Pretax return on assets | 2.6475% | 185 |
| Return on Equity (ROE) | 20.1881% | 298 |
| Retained earnings to average equity (ytd only) | 11.6323% | 507 |
| Net charge-offs to loans | 3.0987% | 483 |
| Credit loss provision to net charge-offs | 122.1901% | 3,363 |
| Earnings coverage of net charge-offs (x) | 2.6205% | 3,841 |
| Efficiency ratio | 53.1630% | 6,876 |
| Assets per employee ($millions) | 4.1493% | 3,548 |
| Cash dividends to net income (ytd only)* | 42.3804% | 1,978 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5550% | 3,714 |
| Loan loss allowance to noncurrent loans | 56.4511% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 1.7099% | 3,883 |
| Noncurrent loans to loans | 2.7546% | 2,884 |
| Net loans and leases to total assets | 56.2661% | 5,511 |
| Net loans and leases to deposits | 67.5108% | 5,487 |
| Net loans and leases to core deposits | 162.9091% | 138 |
| Total domestic deposits to total assets | 83.3439% | 4,438 |
| Equity capital to assets | 11.4071% | 2,599 |
| Core capital (leverage) ratio | 9.6783% | 3,655 |
| Tier 1 risk-based capital ratio | 14.4912% | 3,515 |
| Total risk-based capital ratio | 15.7449% | 3,488 |
| Memoranda: |
| Average total assets | $341,038,500 | 1,943 |
| Average earning assets | $289,104,750 | 2,084 |
| Average equity | $44,725,000 | 1,499 |
| Average total loans | $208,255,000 | 2,115 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1034% | 4,436 |
| Cost of funding earning assets | 1.1274% | 5,537 |
| Net interest margin | 3.9760% | 3,134 |
| Noninterest income to average assets | 7.5382% | 93 |
| Noninterest expense to average assets | 4.9459% | 392 |
| Loan and lease loss provision to assets | 2.7772% | 380 |
| Net operating income to assets | 3.1632% | 75 |
| Return on assets (ROA) | 3.1632% | 77 |
| Pretax return on assets | 3.1632% | 109 |
| Return on Equity (ROE) | 22.8563% | 177 |
| Retained earnings to average equity (ytd only) | 12.8227% | 397 |
| Net charge-offs to loans | 3.1538% | 492 |
| Credit loss provision to net charge-offs | 140.3864% | 2,853 |
| Earnings coverage of net charge-offs (x) | 3.0029% | 3,498 |
| Efficiency ratio | 45.4326% | 7,463 |
| Assets per employee ($millions) | 4.6258% | 2,692 |
| Cash dividends to net income (ytd only)* | 43.8986% | 1,910 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6274% | 3,338 |
| Loan loss allowance to noncurrent loans | 25.5355% | 6,643 |
| Noncurrent assets plus other real estate owned to assets | 4.0491% | 1,697 |
| Noncurrent loans to loans | 6.3730% | 958 |
| Net loans and leases to total assets | 57.9686% | 5,422 |
| Net loans and leases to deposits | 69.1787% | 5,393 |
| Net loans and leases to core deposits | 201.2848% | 93 |
| Total domestic deposits to total assets | 83.7954% | 4,200 |
| Equity capital to assets | 11.4341% | 2,493 |
| Core capital (leverage) ratio | 11.8202% | 1,743 |
| Tier 1 risk-based capital ratio | 13.6875% | 3,950 |
| Total risk-based capital ratio | 14.9381% | 3,910 |
| Memoranda: |
| Average total assets | $319,174,000 | 2,078 |
| Average earning assets | $268,762,330 | 2,241 |
| Average equity | $44,171,670 | 1,511 |
| Average total loans | $200,203,330 | 2,215 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5212% | 2,492 |
| Cost of funding earning assets | 1.1182% | 5,811 |
| Net interest margin | 4.4030% | 1,383 |
| Noninterest income to average assets | 9.9539% | 71 |
| Noninterest expense to average assets | 5.3228% | 295 |
| Loan and lease loss provision to assets | 3.4461% | 271 |
| Net operating income to assets | 4.8826% | 42 |
| Return on assets (ROA) | 4.8826% | 45 |
| Pretax return on assets | 4.8826% | 63 |
| Return on Equity (ROE) | 31.4014% | 79 |
| Retained earnings to average equity (ytd only) | 23.5878% | 121 |
| Net charge-offs to loans | 4.1094% | 318 |
| Credit loss provision to net charge-offs | 128.1765% | 2,751 |
| Earnings coverage of net charge-offs (x) | 3.0978% | 3,021 |
| Efficiency ratio | 38.9907% | 7,758 |
| Assets per employee ($millions) | 4.1407% | 3,578 |
| Cash dividends to net income (ytd only)* | 24.8829% | 2,125 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5859% | 3,515 |
| Loan loss allowance to noncurrent loans | 23.3816% | 6,839 |
| Noncurrent assets plus other real estate owned to assets | 4.5341% | 1,489 |
| Noncurrent loans to loans | 6.7827% | 899 |
| Net loans and leases to total assets | 61.3450% | 4,885 |
| Net loans and leases to deposits | 74.1102% | 4,723 |
| Net loans and leases to core deposits | 113.3448% | 1,071 |
| Total domestic deposits to total assets | 82.7754% | 4,728 |
| Equity capital to assets | 14.6174% | 975 |
| Core capital (leverage) ratio | 13.4824% | 1,087 |
| Tier 1 risk-based capital ratio | 17.3207% | 2,140 |
| Total risk-based capital ratio | 18.5715% | 2,102 |
| Memoranda: |
| Average total assets | $279,851,500 | 2,394 |
| Average earning assets | $235,023,000 | 2,592 |
| Average equity | $43,514,000 | 1,540 |
| Average total loans | $183,092,500 | 2,453 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.9477% | 7,927 |
| Cost of funding earning assets | 0.4099% | 7,871 |
| Net interest margin | 1.5378% | 7,858 |
| Noninterest income to average assets | 5.3895% | 131 |
| Noninterest expense to average assets | 3.1572% | 3,519 |
| Loan and lease loss provision to assets | 2.4357% | 827 |
| Net operating income to assets | 1.1604% | 1,357 |
| Return on assets (ROA) | 1.1604% | 1,383 |
| Pretax return on assets | 1.1604% | 2,060 |
| Return on Equity (ROE) | 11.6569% | 1,252 |
| Retained earnings to average equity (ytd only) | 11.6569% | 237 |
| Net charge-offs to loans | 1.3987% | 1,794 |
| Credit loss provision to net charge-offs | 232.5678% | 1,575 |
| Earnings coverage of net charge-offs (x) | 3.4337% | 3,347 |
| Efficiency ratio | 46.7503% | 7,677 |
| Assets per employee ($millions) | 3.3220% | 5,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4716% | 3,885 |
| Loan loss allowance to noncurrent loans | 21.8551% | 6,965 |
| Noncurrent assets plus other real estate owned to assets | 5.0139% | 1,228 |
| Noncurrent loans to loans | 6.7333% | 874 |
| Net loans and leases to total assets | 68.2586% | 3,644 |
| Net loans and leases to deposits | 85.9326% | 2,922 |
| Net loans and leases to core deposits | 142.7786% | 718 |
| Total domestic deposits to total assets | 79.4327% | 5,868 |
| Equity capital to assets | 16.7101% | 589 |
| Core capital (leverage) ratio | 16.1900% | 589 |
| Tier 1 risk-based capital ratio | 18.5613% | 1,737 |
| Total risk-based capital ratio | 19.8116% | 1,701 |
| Memoranda: |
| Average total assets | $182,947,400 | 3,390 |
| Average earning assets | $162,240,200 | 3,478 |
| Average equity | $18,212,400 | 3,475 |
| Average total loans | $136,986,000 | 3,136 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.5859% | 8,076 |
| Cost of funding earning assets | 0.1365% | 8,046 |
| Net interest margin | 0.4494% | 8,060 |
| Noninterest income to average assets | 0.2468% | 6,472 |
| Noninterest expense to average assets | 0.9463% | 8,040 |
| Loan and lease loss provision to assets | 1.0184% | 1,887 |
| Net operating income to assets | -1.3117% | 7,017 |
| Return on assets (ROA) | -1.3117% | 7,016 |
| Pretax return on assets | -1.3117% | 6,868 |
| Return on Equity (ROE) | -17.6626% | 7,298 |
| Retained earnings to average equity (ytd only) | -17.6626% | 7,261 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 144.9080% | 341 |
| Assets per employee ($millions) | 2.9711% | 6,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8668% | 6,900 |
| Loan loss allowance to noncurrent loans | 11.4216% | 7,423 |
| Noncurrent assets plus other real estate owned to assets | 5.8100% | 949 |
| Noncurrent loans to loans | 7.5889% | 671 |
| Net loans and leases to total assets | 68.9105% | 3,741 |
| Net loans and leases to deposits | 86.4603% | 3,238 |
| Net loans and leases to core deposits | 119.9947% | 2,242 |
| Total domestic deposits to total assets | 79.7019% | 5,558 |
| Equity capital to assets | 15.7675% | 833 |
| Core capital (leverage) ratio | 14.5394% | 948 |
| Tier 1 risk-based capital ratio | 18.9229% | 1,763 |
| Total risk-based capital ratio | 19.6963% | 1,826 |
| Memoranda: |
| Average total assets | $166,397,250 | 3,687 |
| Average earning assets | $150,420,250 | 3,719 |
| Average equity | $12,357,250 | 4,695 |
| Average total loans | $128,081,250 | 3,340 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6175% | 7,505 |
| Cost of funding earning assets | 3.4967% | 114 |
| Net interest margin | 1.1208% | 8,084 |
| Noninterest income to average assets | 0.1386% | 7,262 |
| Noninterest expense to average assets | 4.1281% | 1,159 |
| Loan and lease loss provision to assets | 2.4309% | 648 |
| Net operating income to assets | -5.3752% | 7,967 |
| Return on assets (ROA) | -5.3752% | 7,957 |
| Pretax return on assets | -5.3752% | 7,908 |
| Return on Equity (ROE) | -151.1505% | 8,127 |
| Retained earnings to average equity (ytd only) | -151.1505% | 8,125 |
| Net charge-offs to loans | 0.4053% | 3,172 |
| Credit loss provision to net charge-offs | 745.7490% | 638 |
| Earnings coverage of net charge-offs (x) | -9.0324% | 6,517 |
| Efficiency ratio | 348.3835% | 64 |
| Assets per employee ($millions) | 4.8081% | 2,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.8132% | 141 |
| Loan loss allowance to noncurrent loans | 36.1271% | 6,018 |
| Noncurrent assets plus other real estate owned to assets | 10.6616% | 245 |
| Noncurrent loans to loans | 13.3229% | 174 |
| Net loans and leases to total assets | 72.4678% | 3,096 |
| Net loans and leases to deposits | 80.2781% | 4,504 |
| Net loans and leases to core deposits | 129.1499% | 1,637 |
| Total domestic deposits to total assets | 90.2710% | 723 |
| Equity capital to assets | 2.2163% | 8,139 |
| Core capital (leverage) ratio | 2.2256% | 8,143 |
| Tier 1 risk-based capital ratio | 3.4891% | 8,132 |
| Total risk-based capital ratio | 4.7948% | 8,133 |
| Memoranda: |
| Average total assets | $151,547,670 | 3,969 |
| Average earning assets | $141,332,670 | 3,920 |
| Average equity | $5,389,330 | 6,930 |
| Average total loans | $121,896,670 | 3,493 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7414% | 7,449 |
| Cost of funding earning assets | 3.6998% | 91 |
| Net interest margin | 1.0417% | 8,156 |
| Noninterest income to average assets | 0.1596% | 7,167 |
| Noninterest expense to average assets | 3.8007% | 1,472 |
| Loan and lease loss provision to assets | 3.2635% | 329 |
| Net operating income to assets | -5.9551% | 8,085 |
| Return on assets (ROA) | -5.9551% | 8,077 |
| Pretax return on assets | -5.9551% | 8,045 |
| Return on Equity (ROE) | -140.3982% | 8,173 |
| Retained earnings to average equity (ytd only) | -140.3982% | 8,171 |
| Net charge-offs to loans | 0.4152% | 2,443 |
| Credit loss provision to net charge-offs | 951.1628% | 655 |
| Earnings coverage of net charge-offs (x) | -7.8450% | 5,604 |
| Efficiency ratio | 342.4460% | 65 |
| Assets per employee ($millions) | 4.6947% | 2,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.1754% | 191 |
| Loan loss allowance to noncurrent loans | 34.8141% | 6,229 |
| Noncurrent assets plus other real estate owned to assets | 10.0862% | 222 |
| Noncurrent loans to loans | 11.9935% | 180 |
| Net loans and leases to total assets | 76.1561% | 2,236 |
| Net loans and leases to deposits | 85.3806% | 3,739 |
| Net loans and leases to core deposits | 141.2610% | 1,051 |
| Total domestic deposits to total assets | 89.1960% | 1,143 |
| Equity capital to assets | 3.3913% | 8,191 |
| Core capital (leverage) ratio | 3.4090% | 8,190 |
| Tier 1 risk-based capital ratio | 4.8744% | 8,178 |
| Total risk-based capital ratio | 6.1686% | 8,171 |
| Memoranda: |
| Average total assets | $150,391,500 | 4,003 |
| Average earning assets | $137,090,000 | 4,015 |
| Average equity | $6,379,000 | 6,628 |
| Average total loans | $124,276,500 | 3,480 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6901% | 2,063 |
| Cost of funding earning assets | 3.9517% | 116 |
| Net interest margin | 2.7384% | 7,433 |
| Noninterest income to average assets | 0.1968% | 7,044 |
| Noninterest expense to average assets | 4.0733% | 1,318 |
| Loan and lease loss provision to assets | 2.7277% | 360 |
| Net operating income to assets | -4.0528% | 7,995 |
| Return on assets (ROA) | -4.0528% | 7,981 |
| Pretax return on assets | -4.0528% | 7,899 |
| Return on Equity (ROE) | -56.6529% | 8,186 |
| Retained earnings to average equity (ytd only) | -56.6529% | 8,171 |
| Net charge-offs to loans | 2.1435% | 493 |
| Credit loss provision to net charge-offs | 145.3043% | 3,632 |
| Earnings coverage of net charge-offs (x) | -0.7059% | 6,544 |
| Efficiency ratio | 143.2244% | 383 |
| Assets per employee ($millions) | 4.2900% | 2,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2234% | 357 |
| Loan loss allowance to noncurrent loans | 29.6974% | 6,722 |
| Noncurrent assets plus other real estate owned to assets | 9.6696% | 182 |
| Noncurrent loans to loans | 10.8540% | 176 |
| Net loans and leases to total assets | 83.2208% | 1,010 |
| Net loans and leases to deposits | 95.6104% | 2,506 |
| Net loans and leases to core deposits | 149.0887% | 886 |
| Total domestic deposits to total assets | 87.0416% | 1,914 |
| Equity capital to assets | 5.1447% | 8,170 |
| Core capital (leverage) ratio | 5.1222% | 8,197 |
| Tier 1 risk-based capital ratio | 6.8512% | 8,181 |
| Total risk-based capital ratio | 8.1325% | 8,188 |
| Memoranda: |
| Average total assets | $151,449,000 | 3,872 |
| Average earning assets | $141,104,000 | 3,824 |
| Average equity | $10,834,400 | 5,174 |
| Average total loans | $132,636,400 | 3,224 |
