| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0732% | 1,913 |
| Cost of funding earning assets | 2.6008% | 297 |
| Net interest margin | 2.4725% | 4,117 |
| Noninterest income to average assets | 0.6300% | 1,422 |
| Noninterest expense to average assets | 2.8390% | 1,410 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 0.0358% | 4,299 |
| Return on assets (ROA) | 0.0245% | 4,336 |
| Pretax return on assets | -0.0188% | 4,367 |
| Return on Equity (ROE) | 0.3100% | 4,320 |
| Retained earnings to average equity (ytd only) | 0.3067% | 3,985 |
| Net charge-offs to loans | -0.0197% | 4,151 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 96.5469% | 244 |
| Assets per employee ($millions) | 7.5724% | 1,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4085% | 1,365 |
| Loan loss allowance to noncurrent loans | 736.2885% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.1689% | 2,412 |
| Noncurrent loans to loans | 0.1913% | 2,556 |
| Net loans and leases to total assets | 87.0400% | 115 |
| Net loans and leases to deposits | 100.9563% | 481 |
| Net loans and leases to core deposits | 130.7692% | 388 |
| Total domestic deposits to total assets | 86.2100% | 1,947 |
| Equity capital to assets | 8.3044% | 3,194 |
| Core capital (leverage) ratio | 8.7585% | 3,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6670% | 2,665 |
| Memoranda: |
| Average total assets | $1,038,002,600 | 953 |
| Average earning assets | $970,211,400 | 934 |
| Average equity | $82,804,800 | 1,104 |
| Average total loans | $922,774,200 | 780 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9773% | 1,878 |
| Cost of funding earning assets | 2.4907% | 281 |
| Net interest margin | 2.4867% | 4,158 |
| Noninterest income to average assets | 0.6300% | 1,403 |
| Noninterest expense to average assets | 2.7782% | 1,481 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 0.0810% | 4,331 |
| Return on assets (ROA) | 0.0810% | 4,352 |
| Pretax return on assets | 0.0670% | 4,357 |
| Return on Equity (ROE) | 1.0300% | 4,313 |
| Retained earnings to average equity (ytd only) | 1.0265% | 3,945 |
| Net charge-offs to loans | -0.0317% | 4,261 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 94.0049% | 264 |
| Assets per employee ($millions) | 7.0693% | 1,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4065% | 1,423 |
| Loan loss allowance to noncurrent loans | 675.4107% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.1862% | 2,352 |
| Noncurrent loans to loans | 0.2082% | 2,521 |
| Net loans and leases to total assets | 88.1500% | 75 |
| Net loans and leases to deposits | 98.6888% | 573 |
| Net loans and leases to core deposits | 124.8845% | 434 |
| Total domestic deposits to total assets | 89.3200% | 1,151 |
| Equity capital to assets | 8.3177% | 2,843 |
| Core capital (leverage) ratio | 8.8372% | 3,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8794% | 2,645 |
| Memoranda: |
| Average total assets | $1,028,681,500 | 960 |
| Average earning assets | $960,304,000 | 940 |
| Average equity | $81,182,000 | 1,117 |
| Average total loans | $916,144,250 | 786 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8612% | 1,856 |
| Cost of funding earning assets | 2.2845% | 287 |
| Net interest margin | 2.5766% | 4,134 |
| Noninterest income to average assets | 0.6400% | 1,305 |
| Noninterest expense to average assets | 2.8940% | 1,223 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 0.0129% | 4,408 |
| Return on assets (ROA) | 0.0129% | 4,442 |
| Pretax return on assets | -0.0194% | 4,466 |
| Return on Equity (ROE) | 0.1700% | 4,422 |
| Retained earnings to average equity (ytd only) | 0.1666% | 4,039 |
| Net charge-offs to loans | -0.0178% | 4,090 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 95.1707% | 243 |
| Assets per employee ($millions) | 7.2476% | 1,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3813% | 1,599 |
| Loan loss allowance to noncurrent loans | 391.1084% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.3146% | 1,660 |
| Noncurrent loans to loans | 0.3532% | 1,873 |
| Net loans and leases to total assets | 87.8500% | 85 |
| Net loans and leases to deposits | 108.6939% | 230 |
| Net loans and leases to core deposits | 128.6459% | 350 |
| Total domestic deposits to total assets | 80.8200% | 3,456 |
| Equity capital to assets | 7.7064% | 3,401 |
| Core capital (leverage) ratio | 8.2412% | 4,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8776% | 2,859 |
| Memoranda: |
| Average total assets | $1,022,822,667 | 948 |
| Average earning assets | $953,103,000 | 937 |
| Average equity | $79,234,333 | 1,127 |
| Average total loans | $909,704,333 | 775 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7184% | 1,801 |
| Cost of funding earning assets | 2.0518% | 265 |
| Net interest margin | 2.6666% | 4,122 |
| Noninterest income to average assets | 0.5800% | 1,496 |
| Noninterest expense to average assets | 2.9273% | 1,178 |
| Loan and lease loss provision to assets | 0.2000% | 511 |
| Net operating income to assets | -0.0215% | 4,504 |
| Return on assets (ROA) | -0.0215% | 4,486 |
| Pretax return on assets | -0.0637% | 4,492 |
| Return on Equity (ROE) | -0.2800% | 4,461 |
| Retained earnings to average equity (ytd only) | -0.2766% | 4,062 |
| Net charge-offs to loans | -0.0475% | 4,346 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 95.5821% | 226 |
| Assets per employee ($millions) | 7.0914% | 1,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3724% | 1,727 |
| Loan loss allowance to noncurrent loans | 394.4997% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.3108% | 1,618 |
| Noncurrent loans to loans | 0.3479% | 1,898 |
| Net loans and leases to total assets | 88.1200% | 68 |
| Net loans and leases to deposits | 102.3923% | 349 |
| Net loans and leases to core deposits | 118.9429% | 466 |
| Total domestic deposits to total assets | 86.0600% | 2,568 |
| Equity capital to assets | 7.8859% | 3,320 |
| Core capital (leverage) ratio | 8.6078% | 4,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9993% | 2,947 |
| Memoranda: |
| Average total assets | $1,005,161,500 | 985 |
| Average earning assets | $935,575,500 | 972 |
| Average equity | $78,079,000 | 1,150 |
| Average total loans | $893,272,000 | 801 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4009% | 883 |
| Cost of funding earning assets | 0.5954% | 917 |
| Net interest margin | 3.8055% | 1,150 |
| Noninterest income to average assets | 0.7900% | 1,028 |
| Noninterest expense to average assets | 3.0522% | 896 |
| Loan and lease loss provision to assets | 0.2400% | 394 |
| Net operating income to assets | 0.8819% | 3,040 |
| Return on assets (ROA) | 0.8819% | 2,978 |
| Pretax return on assets | 1.0203% | 3,019 |
| Return on Equity (ROE) | 10.7800% | 2,553 |
| Retained earnings to average equity (ytd only) | 9.0962% | 1,456 |
| Net charge-offs to loans | 0.0475% | 1,211 |
| Credit loss provision to net charge-offs | 595.2381% | 608 |
| Earnings coverage of net charge-offs (x) | 30.8319% | 1,666 |
| Efficiency ratio | 70.7089% | 1,597 |
| Assets per employee ($millions) | 6.9641% | 2,001 |
| Cash dividends to net income (ytd only)* | 15.6311% | 3,053 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2611% | 2,092 |
| Loan loss allowance to noncurrent loans | 367.6819% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.3031% | 1,642 |
| Noncurrent loans to loans | 0.3430% | 1,918 |
| Net loans and leases to total assets | 87.2500% | 94 |
| Net loans and leases to deposits | 109.6786% | 161 |
| Net loans and leases to core deposits | 121.8827% | 338 |
| Total domestic deposits to total assets | 79.5500% | 3,942 |
| Equity capital to assets | 7.6424% | 3,297 |
| Core capital (leverage) ratio | 8.3169% | 4,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7080% | 3,010 |
| Memoranda: |
| Average total assets | $870,548,400 | 1,112 |
| Average earning assets | $807,853,200 | 1,100 |
| Average equity | $71,205,200 | 1,231 |
| Average total loans | $751,536,400 | 858 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2908% | 751 |
| Cost of funding earning assets | 0.3147% | 2,019 |
| Net interest margin | 3.9761% | 670 |
| Noninterest income to average assets | 0.8300% | 974 |
| Noninterest expense to average assets | 3.2371% | 648 |
| Loan and lease loss provision to assets | 0.2800% | 264 |
| Net operating income to assets | 0.8414% | 3,094 |
| Return on assets (ROA) | 0.8414% | 3,068 |
| Pretax return on assets | 1.0110% | 2,984 |
| Return on Equity (ROE) | 10.1000% | 2,688 |
| Retained earnings to average equity (ytd only) | 7.8222% | 2,073 |
| Net charge-offs to loans | 0.0790% | 749 |
| Credit loss provision to net charge-offs | 407.9254% | 693 |
| Earnings coverage of net charge-offs (x) | 19.0047% | 1,739 |
| Efficiency ratio | 71.5477% | 1,584 |
| Assets per employee ($millions) | 6.6616% | 2,190 |
| Cash dividends to net income (ytd only)* | 22.5183% | 2,367 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2830% | 2,115 |
| Loan loss allowance to noncurrent loans | 367.6076% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.3083% | 1,712 |
| Noncurrent loans to loans | 0.3490% | 1,979 |
| Net loans and leases to total assets | 87.2000% | 86 |
| Net loans and leases to deposits | 110.7054% | 122 |
| Net loans and leases to core deposits | 111.4136% | 426 |
| Total domestic deposits to total assets | 78.7700% | 4,196 |
| Equity capital to assets | 7.5417% | 3,193 |
| Core capital (leverage) ratio | 8.4729% | 4,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6137% | 3,088 |
| Memoranda: |
| Average total assets | $844,442,500 | 1,148 |
| Average earning assets | $784,293,500 | 1,141 |
| Average equity | $70,378,750 | 1,259 |
| Average total loans | $724,039,000 | 875 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1722% | 676 |
| Cost of funding earning assets | 0.1970% | 2,955 |
| Net interest margin | 3.9752% | 521 |
| Noninterest income to average assets | 0.8740% | 893 |
| Noninterest expense to average assets | 3.2994% | 551 |
| Loan and lease loss provision to assets | 0.1220% | 814 |
| Net operating income to assets | 0.9652% | 2,292 |
| Return on assets (ROA) | 0.9652% | 2,265 |
| Pretax return on assets | 1.1463% | 2,251 |
| Return on Equity (ROE) | 11.1837% | 1,924 |
| Retained earnings to average equity (ytd only) | 7.7904% | 1,696 |
| Net charge-offs to loans | 0.0466% | 928 |
| Credit loss provision to net charge-offs | 308.6420% | 794 |
| Earnings coverage of net charge-offs (x) | 32.0802% | 1,362 |
| Efficiency ratio | 72.2323% | 1,716 |
| Assets per employee ($millions) | 6.3452% | 2,441 |
| Cash dividends to net income (ytd only)* | 30.3413% | 2,081 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2930% | 2,221 |
| Loan loss allowance to noncurrent loans | 202.7288% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 0.5599% | 1,014 |
| Noncurrent loans to loans | 0.6378% | 1,334 |
| Net loans and leases to total assets | 86.6521% | 72 |
| Net loans and leases to deposits | 101.6935% | 222 |
| Net loans and leases to core deposits | 102.2633% | 577 |
| Total domestic deposits to total assets | 85.2091% | 3,438 |
| Equity capital to assets | 8.4302% | 2,814 |
| Core capital (leverage) ratio | 8.9669% | 3,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3565% | 2,957 |
| Memoranda: |
| Average total assets | $819,491,000 | 1,172 |
| Average earning assets | $761,464,333 | 1,176 |
| Average equity | $70,728,000 | 1,283 |
| Average total loans | $694,712,333 | 892 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0547% | 693 |
| Cost of funding earning assets | 0.1620% | 3,344 |
| Net interest margin | 3.8928% | 509 |
| Noninterest income to average assets | 0.8318% | 968 |
| Noninterest expense to average assets | 3.2556% | 563 |
| Loan and lease loss provision to assets | 0.1229% | 677 |
| Net operating income to assets | 0.9420% | 2,102 |
| Return on assets (ROA) | 0.9420% | 2,092 |
| Pretax return on assets | 1.0811% | 2,202 |
| Return on Equity (ROE) | 10.7860% | 1,689 |
| Retained earnings to average equity (ytd only) | 10.7860% | 821 |
| Net charge-offs to loans | 0.0969% | 534 |
| Credit loss provision to net charge-offs | 152.4390% | 858 |
| Earnings coverage of net charge-offs (x) | 14.9329% | 1,360 |
| Efficiency ratio | 73.0019% | 1,856 |
| Assets per employee ($millions) | 6.4374% | 2,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3463% | 2,131 |
| Loan loss allowance to noncurrent loans | 247.8543% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.4462% | 1,367 |
| Noncurrent loans to loans | 0.5432% | 1,684 |
| Net loans and leases to total assets | 81.0301% | 199 |
| Net loans and leases to deposits | 89.1502% | 552 |
| Net loans and leases to core deposits | 89.6185% | 940 |
| Total domestic deposits to total assets | 90.8916% | 1,088 |
| Equity capital to assets | 8.5364% | 3,126 |
| Core capital (leverage) ratio | 9.2706% | 3,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8549% | 2,922 |
| Memoranda: |
| Average total assets | $813,623,500 | 1,178 |
| Average earning assets | $758,224,000 | 1,180 |
| Average equity | $71,055,000 | 1,318 |
| Average total loans | $677,213,500 | 910 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5264% | 579 |
| Cost of funding earning assets | 0.2083% | 3,387 |
| Net interest margin | 4.3182% | 389 |
| Noninterest income to average assets | 1.9446% | 332 |
| Noninterest expense to average assets | 3.8862% | 321 |
| Loan and lease loss provision to assets | 0.2692% | 325 |
| Net operating income to assets | 1.4834% | 1,052 |
| Return on assets (ROA) | 1.4834% | 1,106 |
| Pretax return on assets | 1.8077% | 902 |
| Return on Equity (ROE) | 16.5224% | 670 |
| Retained earnings to average equity (ytd only) | 16.0127% | 174 |
| Net charge-offs to loans | 0.0289% | 1,660 |
| Credit loss provision to net charge-offs | 1,075.2688% | 508 |
| Earnings coverage of net charge-offs (x) | 82.9570% | 973 |
| Efficiency ratio | 65.1709% | 2,375 |
| Assets per employee ($millions) | 6.5853% | 2,253 |
| Cash dividends to net income (ytd only)* | 3.0850% | 3,548 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3530% | 2,117 |
| Loan loss allowance to noncurrent loans | 226.1810% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.5048% | 1,321 |
| Noncurrent loans to loans | 0.5982% | 1,639 |
| Net loans and leases to total assets | 83.2373% | 140 |
| Net loans and leases to deposits | 94.2612% | 374 |
| Net loans and leases to core deposits | 94.9765% | 732 |
| Total domestic deposits to total assets | 88.3049% | 1,871 |
| Equity capital to assets | 8.9382% | 3,692 |
| Core capital (leverage) ratio | 8.9968% | 3,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7762% | 2,937 |
| Memoranda: |
| Average total assets | $742,938,800 | 1,232 |
| Average earning assets | $691,383,400 | 1,233 |
| Average equity | $66,703,400 | 1,401 |
| Average total loans | $642,564,800 | 945 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5901% | 583 |
| Cost of funding earning assets | 0.2153% | 3,464 |
| Net interest margin | 4.3748% | 384 |
| Noninterest income to average assets | 2.1798% | 300 |
| Noninterest expense to average assets | 3.9202% | 304 |
| Loan and lease loss provision to assets | 0.1919% | 547 |
| Net operating income to assets | 1.7605% | 732 |
| Return on assets (ROA) | 1.7605% | 761 |
| Pretax return on assets | 2.1348% | 633 |
| Return on Equity (ROE) | 19.5846% | 456 |
| Retained earnings to average equity (ytd only) | 18.8933% | 166 |
| Net charge-offs to loans | 0.0197% | 1,657 |
| Credit loss provision to net charge-offs | 1,117.0213% | 487 |
| Earnings coverage of net charge-offs (x) | 135.4255% | 720 |
| Efficiency ratio | 62.7538% | 2,571 |
| Assets per employee ($millions) | 6.0391% | 2,655 |
| Cash dividends to net income (ytd only)* | 3.5299% | 3,172 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2625% | 2,664 |
| Loan loss allowance to noncurrent loans | 216.3603% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 0.4926% | 1,549 |
| Noncurrent loans to loans | 0.5835% | 1,854 |
| Net loans and leases to total assets | 83.3597% | 130 |
| Net loans and leases to deposits | 92.3714% | 477 |
| Net loans and leases to core deposits | 93.0437% | 868 |
| Total domestic deposits to total assets | 90.2441% | 661 |
| Equity capital to assets | 9.0725% | 3,764 |
| Core capital (leverage) ratio | 9.1599% | 3,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0609% | 2,952 |
| Memoranda: |
| Average total assets | $729,466,750 | 1,264 |
| Average earning assets | $678,171,000 | 1,268 |
| Average equity | $65,573,750 | 1,433 |
| Average total loans | $635,117,500 | 968 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6045% | 619 |
| Cost of funding earning assets | 0.2263% | 3,502 |
| Net interest margin | 4.3781% | 425 |
| Noninterest income to average assets | 2.2077% | 290 |
| Noninterest expense to average assets | 4.0741% | 270 |
| Loan and lease loss provision to assets | 0.2098% | 522 |
| Net operating income to assets | 1.6812% | 901 |
| Return on assets (ROA) | 1.6812% | 947 |
| Pretax return on assets | 1.9873% | 859 |
| Return on Equity (ROE) | 18.7652% | 564 |
| Retained earnings to average equity (ytd only) | 17.7036% | 235 |
| Net charge-offs to loans | -0.0486% | 4,363 |
| Credit loss provision to net charge-offs | -490.1961% | 3,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9657% | 2,304 |
| Assets per employee ($millions) | 5.5251% | 3,100 |
| Cash dividends to net income (ytd only)* | 5.6572% | 2,988 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2884% | 2,496 |
| Loan loss allowance to noncurrent loans | 179.5569% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 0.6347% | 1,306 |
| Noncurrent loans to loans | 0.7175% | 1,647 |
| Net loans and leases to total assets | 87.3220% | 53 |
| Net loans and leases to deposits | 96.9234% | 355 |
| Net loans and leases to core deposits | 100.5939% | 645 |
| Total domestic deposits to total assets | 90.0938% | 727 |
| Equity capital to assets | 9.2806% | 3,526 |
| Core capital (leverage) ratio | 9.0090% | 3,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1362% | 2,936 |
| Memoranda: |
| Average total assets | $714,953,000 | 1,281 |
| Average earning assets | $663,575,333 | 1,281 |
| Average equity | $64,054,667 | 1,447 |
| Average total loans | $629,284,667 | 978 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6530% | 604 |
| Cost of funding earning assets | 0.2439% | 3,526 |
| Net interest margin | 4.4090% | 419 |
| Noninterest income to average assets | 2.6025% | 255 |
| Noninterest expense to average assets | 4.1604% | 253 |
| Loan and lease loss provision to assets | 0.2804% | 347 |
| Net operating income to assets | 1.7642% | 838 |
| Return on assets (ROA) | 1.7642% | 890 |
| Pretax return on assets | 2.2465% | 642 |
| Return on Equity (ROE) | 20.0534% | 530 |
| Retained earnings to average equity (ytd only) | 20.0534% | 271 |
| Net charge-offs to loans | -0.0677% | 4,506 |
| Credit loss provision to net charge-offs | -471.6981% | 3,156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2138% | 2,724 |
| Assets per employee ($millions) | 5.1758% | 3,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2373% | 2,730 |
| Loan loss allowance to noncurrent loans | 154.5241% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 0.7097% | 1,307 |
| Noncurrent loans to loans | 0.8007% | 1,656 |
| Net loans and leases to total assets | 87.5357% | 55 |
| Net loans and leases to deposits | 96.7414% | 385 |
| Net loans and leases to core deposits | 99.5185% | 732 |
| Total domestic deposits to total assets | 90.4843% | 588 |
| Equity capital to assets | 8.8725% | 3,814 |
| Core capital (leverage) ratio | 8.8435% | 3,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9365% | 2,942 |
| Memoranda: |
| Average total assets | $713,300,500 | 1,267 |
| Average earning assets | $660,824,000 | 1,276 |
| Average equity | $62,752,500 | 1,458 |
| Average total loans | $626,235,500 | 980 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8484% | 674 |
| Cost of funding earning assets | 0.6000% | 2,309 |
| Net interest margin | 4.2484% | 567 |
| Noninterest income to average assets | 2.4478% | 250 |
| Noninterest expense to average assets | 4.4345% | 265 |
| Loan and lease loss provision to assets | 0.2245% | 1,738 |
| Net operating income to assets | 1.3862% | 1,051 |
| Return on assets (ROA) | 1.3927% | 1,127 |
| Pretax return on assets | 1.7150% | 832 |
| Return on Equity (ROE) | 16.6617% | 442 |
| Retained earnings to average equity (ytd only) | 16.6617% | 110 |
| Net charge-offs to loans | 0.1658% | 999 |
| Credit loss provision to net charge-offs | 158.5624% | 2,378 |
| Earnings coverage of net charge-offs (x) | 13.6438% | 2,268 |
| Efficiency ratio | 69.6599% | 1,998 |
| Assets per employee ($millions) | 4.9452% | 3,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1846% | 3,032 |
| Loan loss allowance to noncurrent loans | 122.4651% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 0.8410% | 1,192 |
| Noncurrent loans to loans | 0.9673% | 1,460 |
| Net loans and leases to total assets | 85.9113% | 99 |
| Net loans and leases to deposits | 95.1569% | 589 |
| Net loans and leases to core deposits | 100.7284% | 872 |
| Total domestic deposits to total assets | 90.2838% | 455 |
| Equity capital to assets | 8.7212% | 4,278 |
| Core capital (leverage) ratio | 8.6364% | 4,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8241% | 2,962 |
| Memoranda: |
| Average total assets | $668,267,000 | 1,221 |
| Average earning assets | $616,302,200 | 1,237 |
| Average equity | $55,858,600 | 1,533 |
| Average total loans | $570,531,800 | 1,026 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8981% | 733 |
| Cost of funding earning assets | 0.6940% | 2,058 |
| Net interest margin | 4.2041% | 726 |
| Noninterest income to average assets | 2.2208% | 286 |
| Noninterest expense to average assets | 4.4179% | 264 |
| Loan and lease loss provision to assets | 0.1519% | 2,494 |
| Net operating income to assets | 1.2628% | 1,442 |
| Return on assets (ROA) | 1.2719% | 1,530 |
| Pretax return on assets | 1.5399% | 1,355 |
| Return on Equity (ROE) | 15.3953% | 629 |
| Retained earnings to average equity (ytd only) | 15.3953% | 179 |
| Net charge-offs to loans | -0.0212% | 4,437 |
| Credit loss provision to net charge-offs | -842.6966% | 3,890 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4397% | 1,589 |
| Assets per employee ($millions) | 4.9873% | 3,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2345% | 2,474 |
| Loan loss allowance to noncurrent loans | 136.4341% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.7888% | 1,463 |
| Noncurrent loans to loans | 0.9048% | 1,650 |
| Net loans and leases to total assets | 86.1041% | 148 |
| Net loans and leases to deposits | 95.2884% | 816 |
| Net loans and leases to core deposits | 103.8478% | 934 |
| Total domestic deposits to total assets | 90.3616% | 316 |
| Equity capital to assets | 8.3505% | 4,546 |
| Core capital (leverage) ratio | 8.1218% | 4,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9399% | 2,928 |
| Memoranda: |
| Average total assets | $658,543,500 | 1,220 |
| Average earning assets | $607,460,500 | 1,231 |
| Average equity | $54,405,000 | 1,562 |
| Average total loans | $559,461,250 | 1,039 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9697% | 876 |
| Cost of funding earning assets | 0.8186% | 1,740 |
| Net interest margin | 4.1512% | 1,018 |
| Noninterest income to average assets | 1.9622% | 297 |
| Noninterest expense to average assets | 4.4235% | 273 |
| Loan and lease loss provision to assets | 0.1554% | 2,445 |
| Net operating income to assets | 0.9657% | 2,440 |
| Return on assets (ROA) | 0.9657% | 2,569 |
| Pretax return on assets | 1.2047% | 2,352 |
| Return on Equity (ROE) | 11.7358% | 1,413 |
| Retained earnings to average equity (ytd only) | 11.7358% | 492 |
| Net charge-offs to loans | -0.0214% | 4,425 |
| Credit loss provision to net charge-offs | -862.0690% | 3,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4842% | 1,221 |
| Assets per employee ($millions) | 5.0156% | 3,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2155% | 2,435 |
| Loan loss allowance to noncurrent loans | 121.7914% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 0.8583% | 1,448 |
| Noncurrent loans to loans | 0.9981% | 1,558 |
| Net loans and leases to total assets | 84.9556% | 191 |
| Net loans and leases to deposits | 95.6361% | 826 |
| Net loans and leases to core deposits | 99.8782% | 1,263 |
| Total domestic deposits to total assets | 88.8322% | 809 |
| Equity capital to assets | 7.9766% | 4,729 |
| Core capital (leverage) ratio | 7.7318% | 4,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2874% | 3,125 |
| Memoranda: |
| Average total assets | $643,655,667 | 1,224 |
| Average earning assets | $592,506,333 | 1,233 |
| Average equity | $52,966,333 | 1,582 |
| Average total loans | $541,595,667 | 1,051 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0331% | 906 |
| Cost of funding earning assets | 1.0068% | 1,387 |
| Net interest margin | 4.0263% | 1,318 |
| Noninterest income to average assets | 1.5626% | 366 |
| Noninterest expense to average assets | 4.3910% | 335 |
| Loan and lease loss provision to assets | 0.1621% | 1,789 |
| Net operating income to assets | 0.5952% | 3,607 |
| Return on assets (ROA) | 0.5952% | 3,665 |
| Pretax return on assets | 0.7074% | 3,662 |
| Return on Equity (ROE) | 7.1101% | 2,898 |
| Retained earnings to average equity (ytd only) | 7.1101% | 1,499 |
| Net charge-offs to loans | -0.0047% | 3,848 |
| Credit loss provision to net charge-offs | -4,166.6667% | 3,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4710% | 865 |
| Assets per employee ($millions) | 4.6041% | 3,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3108% | 2,092 |
| Loan loss allowance to noncurrent loans | 97.2574% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 1.1224% | 1,147 |
| Noncurrent loans to loans | 1.3478% | 1,197 |
| Net loans and leases to total assets | 82.1872% | 421 |
| Net loans and leases to deposits | 90.1875% | 1,485 |
| Net loans and leases to core deposits | 94.8202% | 1,901 |
| Total domestic deposits to total assets | 91.1293% | 97 |
| Equity capital to assets | 8.1913% | 4,932 |
| Core capital (leverage) ratio | 8.3705% | 4,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7128% | 3,362 |
| Memoranda: |
| Average total assets | $616,901,000 | 1,235 |
| Average earning assets | $566,572,000 | 1,240 |
| Average equity | $51,644,500 | 1,610 |
| Average total loans | $512,609,000 | 1,075 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2017% | 988 |
| Cost of funding earning assets | 1.0986% | 1,330 |
| Net interest margin | 4.1030% | 1,533 |
| Noninterest income to average assets | 1.8185% | 304 |
| Noninterest expense to average assets | 4.6262% | 271 |
| Loan and lease loss provision to assets | 0.2120% | 944 |
| Net operating income to assets | 0.5928% | 4,182 |
| Return on assets (ROA) | 0.5928% | 4,236 |
| Pretax return on assets | 0.7710% | 4,045 |
| Return on Equity (ROE) | 6.9418% | 3,566 |
| Retained earnings to average equity (ytd only) | 5.6029% | 2,100 |
| Net charge-offs to loans | 0.1271% | 1,501 |
| Credit loss provision to net charge-offs | 193.4189% | 1,370 |
| Earnings coverage of net charge-offs (x) | 8.9695% | 2,715 |
| Efficiency ratio | 82.4756% | 770 |
| Assets per employee ($millions) | 3.9589% | 3,951 |
| Cash dividends to net income (ytd only)* | 19.2878% | 3,495 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3672% | 1,640 |
| Loan loss allowance to noncurrent loans | 140.1791% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 0.8327% | 1,545 |
| Noncurrent loans to loans | 0.9753% | 1,567 |
| Net loans and leases to total assets | 81.7619% | 581 |
| Net loans and leases to deposits | 90.3158% | 1,549 |
| Net loans and leases to core deposits | 95.3393% | 1,955 |
| Total domestic deposits to total assets | 90.5289% | 192 |
| Equity capital to assets | 8.5659% | 4,884 |
| Core capital (leverage) ratio | 8.3992% | 4,896 |
| Tier 1 risk-based capital ratio | 9.9635% | 5,126 |
| Total risk-based capital ratio | 11.2145% | 5,087 |
| Memoranda: |
| Average total assets | $568,475,800 | 1,273 |
| Average earning assets | $525,197,600 | 1,279 |
| Average equity | $48,546,600 | 1,642 |
| Average total loans | $490,156,200 | 1,097 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2306% | 978 |
| Cost of funding earning assets | 1.1044% | 1,334 |
| Net interest margin | 4.1263% | 1,560 |
| Noninterest income to average assets | 1.7817% | 314 |
| Noninterest expense to average assets | 4.6301% | 271 |
| Loan and lease loss provision to assets | 0.1008% | 1,905 |
| Net operating income to assets | 0.6767% | 4,085 |
| Return on assets (ROA) | 0.6767% | 4,148 |
| Pretax return on assets | 0.8712% | 3,952 |
| Return on Equity (ROE) | 7.9303% | 3,345 |
| Retained earnings to average equity (ytd only) | 6.1236% | 2,315 |
| Net charge-offs to loans | 0.1618% | 1,036 |
| Credit loss provision to net charge-offs | 71.5488% | 2,600 |
| Earnings coverage of net charge-offs (x) | 6.8990% | 2,795 |
| Efficiency ratio | 82.6496% | 709 |
| Assets per employee ($millions) | 3.9552% | 3,960 |
| Cash dividends to net income (ytd only)* | 22.7832% | 2,925 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2086% | 2,463 |
| Loan loss allowance to noncurrent loans | 169.4925% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.7231% | 1,896 |
| Noncurrent loans to loans | 0.7130% | 2,182 |
| Net loans and leases to total assets | 81.2813% | 664 |
| Net loans and leases to deposits | 89.3688% | 1,769 |
| Net loans and leases to core deposits | 94.2664% | 2,156 |
| Total domestic deposits to total assets | 90.9503% | 105 |
| Equity capital to assets | 8.2459% | 5,078 |
| Core capital (leverage) ratio | 8.0889% | 5,096 |
| Tier 1 risk-based capital ratio | 9.6675% | 5,221 |
| Total risk-based capital ratio | 10.8558% | 5,203 |
| Memoranda: |
| Average total assets | $562,137,500 | 1,293 |
| Average earning assets | $520,458,750 | 1,291 |
| Average equity | $47,966,500 | 1,663 |
| Average total loans | $489,631,250 | 1,097 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1732% | 1,036 |
| Cost of funding earning assets | 1.0653% | 1,430 |
| Net interest margin | 4.1079% | 1,586 |
| Noninterest income to average assets | 1.7133% | 327 |
| Noninterest expense to average assets | 4.5950% | 279 |
| Loan and lease loss provision to assets | 0.0637% | 2,539 |
| Net operating income to assets | 0.6800% | 4,071 |
| Return on assets (ROA) | 0.6800% | 4,122 |
| Pretax return on assets | 0.8749% | 3,923 |
| Return on Equity (ROE) | 7.8725% | 3,340 |
| Retained earnings to average equity (ytd only) | 5.1317% | 2,704 |
| Net charge-offs to loans | 0.0492% | 1,944 |
| Credit loss provision to net charge-offs | 145.8333% | 1,525 |
| Earnings coverage of net charge-offs (x) | 21.4750% | 1,733 |
| Efficiency ratio | 83.0382% | 728 |
| Assets per employee ($millions) | 3.6200% | 4,358 |
| Cash dividends to net income (ytd only)* | 34.8152% | 2,427 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2369% | 2,319 |
| Loan loss allowance to noncurrent loans | 220.2415% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.5019% | 2,538 |
| Noncurrent loans to loans | 0.5616% | 2,581 |
| Net loans and leases to total assets | 88.2592% | 100 |
| Net loans and leases to deposits | 99.3590% | 723 |
| Net loans and leases to core deposits | 105.4337% | 1,280 |
| Total domestic deposits to total assets | 88.8286% | 735 |
| Equity capital to assets | 8.6525% | 4,979 |
| Core capital (leverage) ratio | 8.6260% | 4,893 |
| Tier 1 risk-based capital ratio | 9.7459% | 5,254 |
| Total risk-based capital ratio | 10.9961% | 5,227 |
| Memoranda: |
| Average total assets | $549,118,670 | 1,315 |
| Average earning assets | $510,674,000 | 1,312 |
| Average equity | $47,430,670 | 1,666 |
| Average total loans | $487,963,000 | 1,105 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0992% | 1,098 |
| Cost of funding earning assets | 1.0138% | 1,515 |
| Net interest margin | 4.0854% | 1,591 |
| Noninterest income to average assets | 1.3544% | 466 |
| Noninterest expense to average assets | 4.6103% | 263 |
| Loan and lease loss provision to assets | 0.0736% | 2,202 |
| Net operating income to assets | 0.3609% | 4,813 |
| Return on assets (ROA) | 0.3609% | 4,822 |
| Pretax return on assets | 0.4662% | 4,750 |
| Return on Equity (ROE) | 4.1816% | 4,536 |
| Retained earnings to average equity (ytd only) | 0.7681% | 4,369 |
| Net charge-offs to loans | -0.0025% | 3,897 |
| Credit loss provision to net charge-offs | -3,333.3333% | 4,151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5181% | 416 |
| Assets per employee ($millions) | 3.7828% | 4,219 |
| Cash dividends to net income (ytd only)* | 81.6327% | 903 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2649% | 2,253 |
| Loan loss allowance to noncurrent loans | 208.6115% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.5551% | 2,425 |
| Noncurrent loans to loans | 0.6063% | 2,519 |
| Net loans and leases to total assets | 87.7360% | 108 |
| Net loans and leases to deposits | 100.7813% | 572 |
| Net loans and leases to core deposits | 107.0002% | 1,103 |
| Total domestic deposits to total assets | 87.0558% | 1,783 |
| Equity capital to assets | 8.4771% | 5,000 |
| Core capital (leverage) ratio | 8.7018% | 4,867 |
| Tier 1 risk-based capital ratio | 9.5087% | 5,331 |
| Total risk-based capital ratio | 10.7591% | 5,314 |
| Memoranda: |
| Average total assets | $543,130,500 | 1,331 |
| Average earning assets | $504,629,000 | 1,333 |
| Average equity | $46,871,500 | 1,671 |
| Average total loans | $481,234,500 | 1,121 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0701% | 905 |
| Cost of funding earning assets | 0.7311% | 1,893 |
| Net interest margin | 4.3390% | 1,069 |
| Noninterest income to average assets | 1.3539% | 499 |
| Noninterest expense to average assets | 4.2357% | 389 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9258% | 3,343 |
| Return on assets (ROA) | 0.9286% | 3,327 |
| Pretax return on assets | 1.1910% | 2,914 |
| Return on Equity (ROE) | 10.5035% | 2,281 |
| Retained earnings to average equity (ytd only) | 8.6071% | 1,011 |
| Net charge-offs to loans | 0.0035% | 3,611 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 376.2500% | 271 |
| Efficiency ratio | 78.1043% | 1,119 |
| Assets per employee ($millions) | 3.7076% | 4,305 |
| Cash dividends to net income (ytd only)* | 18.0544% | 3,550 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3125% | 1,982 |
| Loan loss allowance to noncurrent loans | 205.0367% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.5826% | 2,293 |
| Noncurrent loans to loans | 0.6401% | 2,385 |
| Net loans and leases to total assets | 87.1759% | 158 |
| Net loans and leases to deposits | 96.7075% | 1,005 |
| Net loans and leases to core deposits | 102.2929% | 1,558 |
| Total domestic deposits to total assets | 90.1439% | 428 |
| Equity capital to assets | 8.7901% | 4,742 |
| Core capital (leverage) ratio | 8.8025% | 4,807 |
| Tier 1 risk-based capital ratio | 9.9663% | 5,313 |
| Total risk-based capital ratio | 11.2172% | 5,266 |
| Memoranda: |
| Average total assets | $506,973,800 | 1,395 |
| Average earning assets | $475,455,400 | 1,373 |
| Average equity | $44,823,200 | 1,667 |
| Average total loans | $462,410,800 | 1,127 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0374% | 869 |
| Cost of funding earning assets | 0.6421% | 2,193 |
| Net interest margin | 4.3953% | 907 |
| Noninterest income to average assets | 1.4164% | 473 |
| Noninterest expense to average assets | 4.2321% | 381 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0248% | 2,989 |
| Return on assets (ROA) | 1.0298% | 2,976 |
| Pretax return on assets | 1.3209% | 2,540 |
| Return on Equity (ROE) | 11.6301% | 1,942 |
| Retained earnings to average equity (ytd only) | 9.8274% | 975 |
| Net charge-offs to loans | 0.0026% | 3,387 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 548.9867% | 165 |
| Efficiency ratio | 76.3010% | 1,317 |
| Assets per employee ($millions) | 4.0064% | 3,878 |
| Cash dividends to net income (ytd only)* | 15.4999% | 3,189 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2901% | 2,140 |
| Loan loss allowance to noncurrent loans | 286.7661% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.4897% | 2,736 |
| Noncurrent loans to loans | 0.4499% | 3,044 |
| Net loans and leases to total assets | 89.0324% | 108 |
| Net loans and leases to deposits | 100.1634% | 772 |
| Net loans and leases to core deposits | 105.3592% | 1,351 |
| Total domestic deposits to total assets | 88.8872% | 880 |
| Equity capital to assets | 8.6633% | 4,821 |
| Core capital (leverage) ratio | 8.7093% | 4,948 |
| Tier 1 risk-based capital ratio | 9.8213% | 5,409 |
| Total risk-based capital ratio | 11.0721% | 5,370 |
| Memoranda: |
| Average total assets | $501,170,250 | 1,410 |
| Average earning assets | $470,943,750 | 1,387 |
| Average equity | $44,378,000 | 1,683 |
| Average total loans | $460,927,750 | 1,126 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9448% | 933 |
| Cost of funding earning assets | 0.5363% | 2,724 |
| Net interest margin | 4.4085% | 833 |
| Noninterest income to average assets | 1.4282% | 466 |
| Noninterest expense to average assets | 4.2497% | 385 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0375% | 2,864 |
| Return on assets (ROA) | 1.0452% | 2,826 |
| Pretax return on assets | 1.3388% | 2,370 |
| Return on Equity (ROE) | 11.7133% | 1,839 |
| Retained earnings to average equity (ytd only) | 9.8910% | 957 |
| Net charge-offs to loans | -0.0162% | 4,485 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1769% | 1,403 |
| Assets per employee ($millions) | 4.0818% | 3,757 |
| Cash dividends to net income (ytd only)* | 15.5581% | 3,140 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3004% | 2,167 |
| Loan loss allowance to noncurrent loans | 288.9096% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.4919% | 2,788 |
| Noncurrent loans to loans | 0.4501% | 3,089 |
| Net loans and leases to total assets | 89.3666% | 88 |
| Net loans and leases to deposits | 119.9106% | 107 |
| Net loans and leases to core deposits | 120.8411% | 545 |
| Total domestic deposits to total assets | 74.5277% | 4,996 |
| Equity capital to assets | 8.5406% | 4,916 |
| Core capital (leverage) ratio | 8.8664% | 4,822 |
| Tier 1 risk-based capital ratio | 9.5578% | 5,489 |
| Total risk-based capital ratio | 10.8087% | 5,466 |
| Memoranda: |
| Average total assets | $491,944,000 | 1,438 |
| Average earning assets | $463,150,670 | 1,415 |
| Average equity | $43,898,670 | 1,708 |
| Average total loans | $455,570,000 | 1,136 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9533% | 773 |
| Cost of funding earning assets | 0.4515% | 3,193 |
| Net interest margin | 4.5018% | 616 |
| Noninterest income to average assets | 1.2093% | 633 |
| Noninterest expense to average assets | 4.2003% | 409 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9810% | 2,933 |
| Return on assets (ROA) | 0.9970% | 2,890 |
| Pretax return on assets | 1.2810% | 2,437 |
| Return on Equity (ROE) | 10.9127% | 2,007 |
| Retained earnings to average equity (ytd only) | 9.0677% | 1,440 |
| Net charge-offs to loans | -0.0342% | 4,800 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9136% | 1,471 |
| Assets per employee ($millions) | 3.9775% | 4,019 |
| Cash dividends to net income (ytd only)* | 16.9062% | 2,459 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3769% | 1,933 |
| Loan loss allowance to noncurrent loans | 293.6997% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.5265% | 2,767 |
| Noncurrent loans to loans | 0.4688% | 3,124 |
| Net loans and leases to total assets | 91.5170% | 34 |
| Net loans and leases to deposits | 116.6575% | 146 |
| Net loans and leases to core deposits | 118.1030% | 646 |
| Total domestic deposits to total assets | 78.4493% | 4,658 |
| Equity capital to assets | 9.0325% | 4,526 |
| Core capital (leverage) ratio | 9.3689% | 4,227 |
| Tier 1 risk-based capital ratio | 10.0541% | 5,492 |
| Total risk-based capital ratio | 11.3063% | 5,425 |
| Memoranda: |
| Average total assets | $474,638,000 | 1,492 |
| Average earning assets | $448,267,500 | 1,466 |
| Average equity | $43,362,500 | 1,734 |
| Average total loans | $444,972,500 | 1,163 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7723% | 1,026 |
| Cost of funding earning assets | 0.3454% | 3,756 |
| Net interest margin | 4.4270% | 721 |
| Noninterest income to average assets | 1.1274% | 799 |
| Noninterest expense to average assets | 3.9393% | 586 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8466% | 2,970 |
| Return on assets (ROA) | 0.8473% | 2,991 |
| Pretax return on assets | 1.4036% | 1,973 |
| Return on Equity (ROE) | 9.3330% | 2,165 |
| Retained earnings to average equity (ytd only) | 7.4027% | 951 |
| Net charge-offs to loans | 0.0451% | 2,883 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 32.8359% | 1,453 |
| Efficiency ratio | 73.7442% | 1,933 |
| Assets per employee ($millions) | 3.7726% | 4,323 |
| Cash dividends to net income (ytd only)* | 20.6825% | 3,654 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4018% | 1,760 |
| Loan loss allowance to noncurrent loans | 221.8503% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.7638% | 2,049 |
| Noncurrent loans to loans | 0.6319% | 2,637 |
| Net loans and leases to total assets | 93.4206% | 12 |
| Net loans and leases to deposits | 117.3654% | 137 |
| Net loans and leases to core deposits | 118.4095% | 636 |
| Total domestic deposits to total assets | 79.5981% | 4,414 |
| Equity capital to assets | 9.2441% | 4,483 |
| Core capital (leverage) ratio | 9.3911% | 4,177 |
| Tier 1 risk-based capital ratio | 10.0809% | 5,512 |
| Total risk-based capital ratio | 11.3335% | 5,449 |
| Memoranda: |
| Average total assets | $456,525,800 | 1,526 |
| Average earning assets | $434,607,800 | 1,493 |
| Average equity | $41,444,400 | 1,798 |
| Average total loans | $432,536,400 | 1,159 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7621% | 1,000 |
| Cost of funding earning assets | 0.3263% | 3,879 |
| Net interest margin | 4.4358% | 681 |
| Noninterest income to average assets | 1.1408% | 778 |
| Noninterest expense to average assets | 4.0153% | 509 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9064% | 2,998 |
| Return on assets (ROA) | 0.9073% | 3,056 |
| Pretax return on assets | 1.3563% | 2,254 |
| Return on Equity (ROE) | 10.0415% | 2,116 |
| Retained earnings to average equity (ytd only) | 8.0942% | 1,180 |
| Net charge-offs to loans | 0.0235% | 2,981 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 60.7900% | 983 |
| Efficiency ratio | 74.7706% | 1,779 |
| Assets per employee ($millions) | 3.6263% | 4,550 |
| Cash dividends to net income (ytd only)* | 19.3924% | 3,167 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4663% | 1,657 |
| Loan loss allowance to noncurrent loans | 203.4650% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.8647% | 1,987 |
| Noncurrent loans to loans | 0.7206% | 2,556 |
| Net loans and leases to total assets | 93.8978% | 10 |
| Net loans and leases to deposits | 118.9076% | 115 |
| Net loans and leases to core deposits | 119.7504% | 598 |
| Total domestic deposits to total assets | 78.9670% | 4,535 |
| Equity capital to assets | 9.4142% | 4,530 |
| Core capital (leverage) ratio | 9.5737% | 4,063 |
| Tier 1 risk-based capital ratio | 10.2108% | 5,543 |
| Total risk-based capital ratio | 11.4641% | 5,496 |
| Memoranda: |
| Average total assets | $454,650,750 | 1,543 |
| Average earning assets | $433,493,500 | 1,503 |
| Average equity | $41,081,750 | 1,829 |
| Average total loans | $430,755,750 | 1,172 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7438% | 974 |
| Cost of funding earning assets | 0.2965% | 4,112 |
| Net interest margin | 4.4473% | 640 |
| Noninterest income to average assets | 1.0396% | 946 |
| Noninterest expense to average assets | 3.9350% | 573 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9001% | 2,911 |
| Return on assets (ROA) | 0.9016% | 2,956 |
| Pretax return on assets | 1.3478% | 2,219 |
| Return on Equity (ROE) | 10.1168% | 1,980 |
| Retained earnings to average equity (ytd only) | 8.1495% | 1,102 |
| Net charge-offs to loans | 0.0463% | 2,289 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 30.7000% | 1,445 |
| Efficiency ratio | 74.5186% | 1,921 |
| Assets per employee ($millions) | 3.8274% | 4,237 |
| Cash dividends to net income (ytd only)* | 19.4458% | 3,134 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4705% | 1,684 |
| Loan loss allowance to noncurrent loans | 762.2412% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.4721% | 3,215 |
| Noncurrent loans to loans | 0.1929% | 4,348 |
| Net loans and leases to total assets | 92.8416% | 21 |
| Net loans and leases to deposits | 116.9371% | 138 |
| Net loans and leases to core deposits | 118.1753% | 635 |
| Total domestic deposits to total assets | 79.3944% | 4,532 |
| Equity capital to assets | 9.1882% | 4,729 |
| Core capital (leverage) ratio | 9.1198% | 4,588 |
| Tier 1 risk-based capital ratio | 10.6695% | 5,394 |
| Total risk-based capital ratio | 11.9240% | 5,323 |
| Memoranda: |
| Average total assets | $456,314,000 | 1,539 |
| Average earning assets | $435,136,670 | 1,506 |
| Average equity | $40,665,000 | 1,843 |
| Average total loans | $431,506,000 | 1,178 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6933% | 947 |
| Cost of funding earning assets | 0.2770% | 4,281 |
| Net interest margin | 4.4162% | 619 |
| Noninterest income to average assets | 0.8660% | 1,342 |
| Noninterest expense to average assets | 3.7475% | 725 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8988% | 2,768 |
| Return on assets (ROA) | 0.9018% | 2,808 |
| Pretax return on assets | 1.3492% | 2,063 |
| Return on Equity (ROE) | 10.2760% | 1,836 |
| Retained earnings to average equity (ytd only) | 8.2884% | 1,345 |
| Net charge-offs to loans | -0.0064% | 4,261 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5914% | 2,300 |
| Assets per employee ($millions) | 4.1275% | 3,794 |
| Cash dividends to net income (ytd only)* | 19.3424% | 2,550 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4799% | 1,769 |
| Loan loss allowance to noncurrent loans | 434.9966% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.6110% | 2,806 |
| Noncurrent loans to loans | 0.3402% | 3,880 |
| Net loans and leases to total assets | 93.3107% | 11 |
| Net loans and leases to deposits | 116.9231% | 108 |
| Net loans and leases to core deposits | 118.1481% | 520 |
| Total domestic deposits to total assets | 79.8052% | 4,658 |
| Equity capital to assets | 8.9575% | 4,850 |
| Core capital (leverage) ratio | 8.8444% | 4,912 |
| Tier 1 risk-based capital ratio | 10.1091% | 5,673 |
| Total risk-based capital ratio | 11.3633% | 5,625 |
| Memoranda: |
| Average total assets | $458,653,500 | 1,538 |
| Average earning assets | $438,926,000 | 1,487 |
| Average equity | $40,249,000 | 1,861 |
| Average total loans | $434,477,500 | 1,172 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4771% | 1,607 |
| Cost of funding earning assets | 0.2168% | 4,868 |
| Net interest margin | 4.2603% | 997 |
| Noninterest income to average assets | 1.8475% | 381 |
| Noninterest expense to average assets | 4.3222% | 443 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1042% | 1,890 |
| Return on assets (ROA) | 1.1094% | 1,957 |
| Pretax return on assets | 1.6217% | 1,216 |
| Return on Equity (ROE) | 13.0080% | 992 |
| Retained earnings to average equity (ytd only) | 10.0819% | 396 |
| Net charge-offs to loans | 0.3433% | 795 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 5.1402% | 3,386 |
| Efficiency ratio | 72.8110% | 2,457 |
| Assets per employee ($millions) | 4.1365% | 3,728 |
| Cash dividends to net income (ytd only)* | 22.4949% | 3,637 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4485% | 1,876 |
| Loan loss allowance to noncurrent loans | 444.3047% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.6106% | 2,899 |
| Noncurrent loans to loans | 0.3260% | 3,975 |
| Net loans and leases to total assets | 93.3727% | 15 |
| Net loans and leases to deposits | 114.6077% | 148 |
| Net loans and leases to core deposits | 115.7968% | 627 |
| Total domestic deposits to total assets | 81.4716% | 4,214 |
| Equity capital to assets | 8.5971% | 5,192 |
| Core capital (leverage) ratio | 8.9567% | 4,791 |
| Tier 1 risk-based capital ratio | 9.4989% | 5,818 |
| Total risk-based capital ratio | 10.7522% | 5,806 |
| Memoranda: |
| Average total assets | $440,767,000 | 1,536 |
| Average earning assets | $423,021,600 | 1,491 |
| Average equity | $37,592,200 | 1,949 |
| Average total loans | $403,149,200 | 1,195 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2570% | 2,310 |
| Cost of funding earning assets | 0.2198% | 4,881 |
| Net interest margin | 4.0372% | 1,561 |
| Noninterest income to average assets | 2.1881% | 313 |
| Noninterest expense to average assets | 4.4328% | 406 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1015% | 1,990 |
| Return on assets (ROA) | 1.1015% | 2,092 |
| Pretax return on assets | 1.6325% | 1,295 |
| Return on Equity (ROE) | 12.9431% | 1,074 |
| Retained earnings to average equity (ytd only) | 8.9827% | 824 |
| Net charge-offs to loans | 0.1840% | 1,274 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 9.7940% | 2,652 |
| Efficiency ratio | 73.0841% | 2,428 |
| Assets per employee ($millions) | 3.7450% | 4,395 |
| Cash dividends to net income (ytd only)* | 30.5981% | 2,808 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7472% | 1,109 |
| Loan loss allowance to noncurrent loans | 243.8347% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 1.0100% | 2,045 |
| Noncurrent loans to loans | 0.7165% | 2,885 |
| Net loans and leases to total assets | 93.9860% | 10 |
| Net loans and leases to deposits | 104.2401% | 441 |
| Net loans and leases to core deposits | 105.2635% | 1,256 |
| Total domestic deposits to total assets | 90.1630% | 421 |
| Equity capital to assets | 8.9603% | 5,211 |
| Core capital (leverage) ratio | 9.1267% | 4,685 |
| Tier 1 risk-based capital ratio | 9.8098% | 5,831 |
| Total risk-based capital ratio | 11.0668% | 5,809 |
| Memoranda: |
| Average total assets | $435,137,750 | 1,556 |
| Average earning assets | $417,900,750 | 1,508 |
| Average equity | $37,033,000 | 1,987 |
| Average total loans | $394,201,750 | 1,211 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2553% | 2,312 |
| Cost of funding earning assets | 0.2246% | 4,889 |
| Net interest margin | 4.0306% | 1,552 |
| Noninterest income to average assets | 2.1735% | 307 |
| Noninterest expense to average assets | 4.3163% | 440 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1685% | 1,708 |
| Return on assets (ROA) | 1.1685% | 1,806 |
| Pretax return on assets | 1.7283% | 1,031 |
| Return on Equity (ROE) | 13.9727% | 833 |
| Retained earnings to average equity (ytd only) | 7.9476% | 1,186 |
| Net charge-offs to loans | 0.2807% | 850 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 6.9229% | 2,688 |
| Efficiency ratio | 71.4080% | 2,758 |
| Assets per employee ($millions) | 3.3133% | 5,044 |
| Cash dividends to net income (ytd only)* | 43.1203% | 2,280 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8438% | 997 |
| Loan loss allowance to noncurrent loans | 236.3547% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 1.1364% | 1,857 |
| Noncurrent loans to loans | 0.7801% | 2,799 |
| Net loans and leases to total assets | 91.0498% | 39 |
| Net loans and leases to deposits | 100.8954% | 637 |
| Net loans and leases to core deposits | 101.7242% | 1,493 |
| Total domestic deposits to total assets | 90.2418% | 401 |
| Equity capital to assets | 8.9251% | 5,294 |
| Core capital (leverage) ratio | 8.7285% | 5,139 |
| Tier 1 risk-based capital ratio | 10.0990% | 5,821 |
| Total risk-based capital ratio | 11.3575% | 5,757 |
| Memoranda: |
| Average total assets | $436,624,000 | 1,554 |
| Average earning assets | $419,340,000 | 1,505 |
| Average equity | $36,514,000 | 2,017 |
| Average total loans | $388,277,000 | 1,229 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1860% | 2,525 |
| Cost of funding earning assets | 0.2289% | 4,911 |
| Net interest margin | 3.9571% | 1,758 |
| Noninterest income to average assets | 1.5162% | 495 |
| Noninterest expense to average assets | 4.0950% | 551 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7639% | 3,422 |
| Return on assets (ROA) | 0.7639% | 3,531 |
| Pretax return on assets | 1.2165% | 2,634 |
| Return on Equity (ROE) | 9.4352% | 2,221 |
| Retained earnings to average equity (ytd only) | -2.7894% | 5,455 |
| Net charge-offs to loans | 1.0846% | 168 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1.2876% | 2,840 |
| Efficiency ratio | 77.0964% | 2,029 |
| Assets per employee ($millions) | 3.6094% | 4,634 |
| Cash dividends to net income (ytd only)* | 129.5642% | 472 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7186% | 1,316 |
| Loan loss allowance to noncurrent loans | 140.4112% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 1.4398% | 1,439 |
| Noncurrent loans to loans | 1.2240% | 1,976 |
| Net loans and leases to total assets | 84.1473% | 359 |
| Net loans and leases to deposits | 91.9924% | 1,346 |
| Net loans and leases to core deposits | 92.2049% | 2,167 |
| Total domestic deposits to total assets | 91.4721% | 161 |
| Equity capital to assets | 7.8819% | 5,866 |
| Core capital (leverage) ratio | 7.9313% | 5,801 |
| Tier 1 risk-based capital ratio | 9.1827% | 6,047 |
| Total risk-based capital ratio | 10.4386% | 6,037 |
| Memoranda: |
| Average total assets | $444,539,500 | 1,540 |
| Average earning assets | $426,374,500 | 1,489 |
| Average equity | $35,993,000 | 2,036 |
| Average total loans | $387,251,500 | 1,226 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4269% | 1,810 |
| Cost of funding earning assets | 0.2035% | 5,257 |
| Net interest margin | 4.2234% | 1,118 |
| Noninterest income to average assets | 1.7314% | 441 |
| Noninterest expense to average assets | 4.3603% | 455 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8980% | 2,882 |
| Return on assets (ROA) | 0.8980% | 2,960 |
| Pretax return on assets | 1.3687% | 2,034 |
| Return on Equity (ROE) | 10.2106% | 1,926 |
| Retained earnings to average equity (ytd only) | 10.2106% | 440 |
| Net charge-offs to loans | -0.2100% | 5,958 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1092% | 2,254 |
| Assets per employee ($millions) | 3.5023% | 4,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0103% | 788 |
| Loan loss allowance to noncurrent loans | 249.3398% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 1.0746% | 2,039 |
| Noncurrent loans to loans | 0.8062% | 2,767 |
| Net loans and leases to total assets | 86.8950% | 174 |
| Net loans and leases to deposits | 95.6656% | 1,049 |
| Net loans and leases to core deposits | 95.8980% | 1,860 |
| Total domestic deposits to total assets | 90.8320% | 326 |
| Equity capital to assets | 8.3216% | 5,689 |
| Core capital (leverage) ratio | 8.6483% | 5,282 |
| Tier 1 risk-based capital ratio | 9.4189% | 6,057 |
| Total risk-based capital ratio | 10.6784% | 6,041 |
| Memoranda: |
| Average total assets | $389,857,200 | 1,685 |
| Average earning assets | $369,014,600 | 1,645 |
| Average equity | $34,287,800 | 2,074 |
| Average total loans | $358,542,400 | 1,261 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4700% | 1,693 |
| Cost of funding earning assets | 0.2045% | 5,337 |
| Net interest margin | 4.2655% | 1,029 |
| Noninterest income to average assets | 1.7531% | 430 |
| Noninterest expense to average assets | 4.5461% | 395 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8297% | 3,286 |
| Return on assets (ROA) | 0.8297% | 3,370 |
| Pretax return on assets | 1.2381% | 2,662 |
| Return on Equity (ROE) | 9.2908% | 2,423 |
| Retained earnings to average equity (ytd only) | 9.2908% | 793 |
| Net charge-offs to loans | -0.2637% | 6,061 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5953% | 1,876 |
| Assets per employee ($millions) | 3.2199% | 5,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0642% | 829 |
| Loan loss allowance to noncurrent loans | 220.2006% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 1.2452% | 1,883 |
| Noncurrent loans to loans | 0.9374% | 2,629 |
| Net loans and leases to total assets | 89.8724% | 69 |
| Net loans and leases to deposits | 99.3277% | 704 |
| Net loans and leases to core deposits | 99.5870% | 1,551 |
| Total domestic deposits to total assets | 90.4807% | 390 |
| Equity capital to assets | 8.6285% | 5,623 |
| Core capital (leverage) ratio | 8.4714% | 5,571 |
| Tier 1 risk-based capital ratio | 9.3097% | 6,169 |
| Total risk-based capital ratio | 10.5709% | 6,151 |
| Memoranda: |
| Average total assets | $378,748,750 | 1,745 |
| Average earning assets | $357,934,500 | 1,698 |
| Average equity | $33,824,750 | 2,114 |
| Average total loans | $351,898,250 | 1,289 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5023% | 1,530 |
| Cost of funding earning assets | 0.2052% | 5,394 |
| Net interest margin | 4.2971% | 925 |
| Noninterest income to average assets | 1.8612% | 410 |
| Noninterest expense to average assets | 4.6289% | 380 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8568% | 3,099 |
| Return on assets (ROA) | 0.8568% | 3,205 |
| Pretax return on assets | 1.2759% | 2,449 |
| Return on Equity (ROE) | 9.4762% | 2,311 |
| Retained earnings to average equity (ytd only) | 9.4762% | 787 |
| Net charge-offs to loans | -0.0609% | 5,618 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3915% | 2,006 |
| Assets per employee ($millions) | 3.0990% | 5,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9331% | 1,102 |
| Loan loss allowance to noncurrent loans | 184.4254% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 1.4221% | 1,760 |
| Noncurrent loans to loans | 1.0482% | 2,547 |
| Net loans and leases to total assets | 91.4272% | 35 |
| Net loans and leases to deposits | 101.1017% | 589 |
| Net loans and leases to core deposits | 101.3740% | 1,371 |
| Total domestic deposits to total assets | 90.4309% | 484 |
| Equity capital to assets | 8.7004% | 5,522 |
| Core capital (leverage) ratio | 8.6040% | 5,437 |
| Tier 1 risk-based capital ratio | 9.0644% | 6,250 |
| Total risk-based capital ratio | 10.3230% | 6,229 |
| Memoranda: |
| Average total assets | $369,764,330 | 1,797 |
| Average earning assets | $347,957,670 | 1,762 |
| Average equity | $33,431,000 | 2,136 |
| Average total loans | $345,098,000 | 1,309 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5279% | 1,387 |
| Cost of funding earning assets | 0.2123% | 5,397 |
| Net interest margin | 4.3155% | 848 |
| Noninterest income to average assets | 1.8085% | 415 |
| Noninterest expense to average assets | 4.7348% | 363 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7578% | 3,497 |
| Return on assets (ROA) | 0.7578% | 3,631 |
| Pretax return on assets | 1.1178% | 3,002 |
| Return on Equity (ROE) | 8.2118% | 2,852 |
| Retained earnings to average equity (ytd only) | 8.2118% | 1,487 |
| Net charge-offs to loans | -0.0850% | 5,780 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9015% | 1,770 |
| Assets per employee ($millions) | 2.9396% | 5,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0575% | 984 |
| Loan loss allowance to noncurrent loans | 164.6606% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 1.6432% | 1,543 |
| Noncurrent loans to loans | 1.2495% | 2,289 |
| Net loans and leases to total assets | 91.4486% | 35 |
| Net loans and leases to deposits | 107.0443% | 283 |
| Net loans and leases to core deposits | 108.1635% | 816 |
| Total domestic deposits to total assets | 85.4306% | 3,205 |
| Equity capital to assets | 9.0797% | 5,212 |
| Core capital (leverage) ratio | 8.9576% | 5,002 |
| Tier 1 risk-based capital ratio | 9.3748% | 6,285 |
| Total risk-based capital ratio | 10.6350% | 6,270 |
| Memoranda: |
| Average total assets | $357,861,500 | 1,855 |
| Average earning assets | $335,346,500 | 1,835 |
| Average equity | $33,025,500 | 2,179 |
| Average total loans | $334,185,500 | 1,347 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2967% | 2,618 |
| Cost of funding earning assets | 0.2709% | 5,088 |
| Net interest margin | 4.0258% | 1,817 |
| Noninterest income to average assets | 1.7163% | 436 |
| Noninterest expense to average assets | 4.8344% | 354 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3392% | 5,405 |
| Return on assets (ROA) | 0.3392% | 5,477 |
| Pretax return on assets | 0.5452% | 5,117 |
| Return on Equity (ROE) | 3.6886% | 5,236 |
| Retained earnings to average equity (ytd only) | -2.5527% | 6,059 |
| Net charge-offs to loans | 0.6414% | 608 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 0.9916% | 4,522 |
| Efficiency ratio | 89.8650% | 850 |
| Assets per employee ($millions) | 2.7427% | 5,989 |
| Cash dividends to net income (ytd only)* | 169.2047% | 118 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1459% | 887 |
| Loan loss allowance to noncurrent loans | 125.3453% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 2.6051% | 867 |
| Noncurrent loans to loans | 1.7120% | 1,705 |
| Net loans and leases to total assets | 91.4842% | 36 |
| Net loans and leases to deposits | 102.1196% | 507 |
| Net loans and leases to core deposits | 103.1136% | 1,176 |
| Total domestic deposits to total assets | 89.5854% | 930 |
| Equity capital to assets | 9.3845% | 4,863 |
| Core capital (leverage) ratio | 9.1323% | 4,776 |
| Tier 1 risk-based capital ratio | 10.0458% | 6,249 |
| Total risk-based capital ratio | 11.3081% | 6,191 |
| Memoranda: |
| Average total assets | $348,484,200 | 1,868 |
| Average earning assets | $317,105,400 | 1,890 |
| Average equity | $32,044,800 | 2,160 |
| Average total loans | $298,705,600 | 1,433 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1929% | 3,016 |
| Cost of funding earning assets | 0.2894% | 4,996 |
| Net interest margin | 3.9035% | 2,225 |
| Noninterest income to average assets | 1.8210% | 401 |
| Noninterest expense to average assets | 4.8175% | 355 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3738% | 5,350 |
| Return on assets (ROA) | 0.3738% | 5,427 |
| Pretax return on assets | 0.5329% | 5,225 |
| Return on Equity (ROE) | 4.0855% | 5,138 |
| Retained earnings to average equity (ytd only) | -4.2779% | 6,224 |
| Net charge-offs to loans | -0.6179% | 6,478 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0400% | 841 |
| Assets per employee ($millions) | 2.6159% | 6,143 |
| Cash dividends to net income (ytd only)* | 204.7089% | 87 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4085% | 245 |
| Loan loss allowance to noncurrent loans | 80.5924% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 4.6965% | 380 |
| Noncurrent loans to loans | 4.2293% | 476 |
| Net loans and leases to total assets | 82.9208% | 418 |
| Net loans and leases to deposits | 92.5668% | 1,176 |
| Net loans and leases to core deposits | 94.0016% | 1,863 |
| Total domestic deposits to total assets | 89.5794% | 947 |
| Equity capital to assets | 9.2681% | 5,064 |
| Core capital (leverage) ratio | 8.9807% | 5,100 |
| Tier 1 risk-based capital ratio | 10.7763% | 6,099 |
| Total risk-based capital ratio | 12.0549% | 6,034 |
| Memoranda: |
| Average total assets | $348,525,500 | 1,875 |
| Average earning assets | $315,129,250 | 1,909 |
| Average equity | $31,884,000 | 2,179 |
| Average total loans | $291,970,750 | 1,475 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2826% | 2,648 |
| Cost of funding earning assets | 0.3193% | 4,767 |
| Net interest margin | 3.9633% | 1,922 |
| Noninterest income to average assets | 1.6196% | 487 |
| Noninterest expense to average assets | 4.7882% | 360 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2743% | 5,649 |
| Return on assets (ROA) | 0.2743% | 5,723 |
| Pretax return on assets | 0.3708% | 5,636 |
| Return on Equity (ROE) | 3.0111% | 5,528 |
| Retained earnings to average equity (ytd only) | -9.6141% | 6,411 |
| Net charge-offs to loans | -0.9163% | 6,568 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8118% | 712 |
| Assets per employee ($millions) | 2.5341% | 6,267 |
| Cash dividends to net income (ytd only)* | 419.2872% | 39 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4531% | 250 |
| Loan loss allowance to noncurrent loans | 69.5498% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 5.0746% | 349 |
| Noncurrent loans to loans | 4.9650% | 400 |
| Net loans and leases to total assets | 82.9759% | 382 |
| Net loans and leases to deposits | 92.4419% | 1,105 |
| Net loans and leases to core deposits | 94.2038% | 1,753 |
| Total domestic deposits to total assets | 89.7600% | 929 |
| Equity capital to assets | 9.2859% | 4,996 |
| Core capital (leverage) ratio | 8.4880% | 5,643 |
| Tier 1 risk-based capital ratio | 11.0361% | 6,036 |
| Total risk-based capital ratio | 12.3169% | 5,961 |
| Memoranda: |
| Average total assets | $347,855,000 | 1,877 |
| Average earning assets | $310,651,330 | 1,937 |
| Average equity | $31,682,670 | 2,177 |
| Average total loans | $288,986,000 | 1,482 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2057% | 2,855 |
| Cost of funding earning assets | 0.4054% | 3,902 |
| Net interest margin | 3.8004% | 2,469 |
| Noninterest income to average assets | 1.3999% | 591 |
| Noninterest expense to average assets | 4.6574% | 396 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0458% | 6,140 |
| Return on assets (ROA) | 0.0458% | 6,159 |
| Pretax return on assets | 0.0584% | 6,144 |
| Return on Equity (ROE) | 0.5076% | 6,138 |
| Retained earnings to average equity (ytd only) | -24.8711% | 6,583 |
| Net charge-offs to loans | -0.5186% | 6,561 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7621% | 511 |
| Assets per employee ($millions) | 2.4841% | 6,375 |
| Cash dividends to net income (ytd only)* | 5,000.0000% | 3 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3182% | 312 |
| Loan loss allowance to noncurrent loans | 66.0824% | 4,631 |
| Noncurrent assets plus other real estate owned to assets | 4.9347% | 419 |
| Noncurrent loans to loans | 5.0213% | 440 |
| Net loans and leases to total assets | 78.8253% | 674 |
| Net loans and leases to deposits | 87.6566% | 1,400 |
| Net loans and leases to core deposits | 89.4828% | 1,960 |
| Total domestic deposits to total assets | 89.9250% | 1,111 |
| Equity capital to assets | 9.2036% | 4,870 |
| Core capital (leverage) ratio | 8.2707% | 5,878 |
| Tier 1 risk-based capital ratio | 11.7728% | 5,779 |
| Total risk-based capital ratio | 13.0531% | 5,693 |
| Memoranda: |
| Average total assets | $349,462,500 | 1,876 |
| Average earning assets | $304,917,500 | 1,982 |
| Average equity | $31,522,500 | 2,181 |
| Average total loans | $285,381,000 | 1,503 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7387% | 1,473 |
| Cost of funding earning assets | 0.4975% | 3,640 |
| Net interest margin | 4.2412% | 1,244 |
| Noninterest income to average assets | 1.7575% | 485 |
| Noninterest expense to average assets | 5.3125% | 280 |
| Loan and lease loss provision to assets | 2.6023% | 26 |
| Net operating income to assets | -1.4328% | 6,668 |
| Return on assets (ROA) | -1.2078% | 6,640 |
| Pretax return on assets | -1.9188% | 6,702 |
| Return on Equity (ROE) | -12.3141% | 6,610 |
| Retained earnings to average equity (ytd only) | -12.5807% | 6,579 |
| Net charge-offs to loans | 1.7273% | 246 |
| Credit loss provision to net charge-offs | 178.2584% | 1,289 |
| Earnings coverage of net charge-offs (x) | 0.2273% | 5,009 |
| Efficiency ratio | 94.1205% | 741 |
| Assets per employee ($millions) | 2.5621% | 6,358 |
| Cash dividends to net income (ytd only)* | -2.1649% | 6,748 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0569% | 439 |
| Loan loss allowance to noncurrent loans | 78.3527% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 3.7422% | 742 |
| Noncurrent loans to loans | 3.9015% | 753 |
| Net loans and leases to total assets | 79.2899% | 672 |
| Net loans and leases to deposits | 92.8663% | 972 |
| Net loans and leases to core deposits | 95.0261% | 1,528 |
| Total domestic deposits to total assets | 85.3807% | 3,563 |
| Equity capital to assets | 8.8438% | 5,209 |
| Core capital (leverage) ratio | 8.3359% | 5,838 |
| Tier 1 risk-based capital ratio | 10.9754% | 6,183 |
| Total risk-based capital ratio | 12.2509% | 6,118 |
| Memoranda: |
| Average total assets | $359,491,400 | 1,803 |
| Average earning assets | $329,458,200 | 1,801 |
| Average equity | $35,260,400 | 1,958 |
| Average total loans | $303,832,000 | 1,391 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7114% | 1,567 |
| Cost of funding earning assets | 0.4891% | 3,877 |
| Net interest margin | 4.2223% | 1,273 |
| Noninterest income to average assets | 1.8434% | 465 |
| Noninterest expense to average assets | 4.9501% | 348 |
| Loan and lease loss provision to assets | 0.9931% | 169 |
| Net operating income to assets | -0.1176% | 6,401 |
| Return on assets (ROA) | 0.1095% | 6,187 |
| Pretax return on assets | 0.1158% | 6,196 |
| Return on Equity (ROE) | 1.0902% | 6,162 |
| Retained earnings to average equity (ytd only) | 0.7440% | 5,676 |
| Net charge-offs to loans | 0.5373% | 1,185 |
| Credit loss provision to net charge-offs | 216.9766% | 1,117 |
| Earnings coverage of net charge-offs (x) | 1.9006% | 4,190 |
| Efficiency ratio | 85.0531% | 1,464 |
| Assets per employee ($millions) | 2.5327% | 6,451 |
| Cash dividends to net income (ytd only)* | 31.7564% | 2,622 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0326% | 1,647 |
| Loan loss allowance to noncurrent loans | 48.4971% | 5,288 |
| Noncurrent assets plus other real estate owned to assets | 4.2224% | 732 |
| Noncurrent loans to loans | 4.1911% | 825 |
| Net loans and leases to total assets | 86.1070% | 148 |
| Net loans and leases to deposits | 102.2568% | 368 |
| Net loans and leases to core deposits | 104.3508% | 862 |
| Total domestic deposits to total assets | 84.2066% | 4,110 |
| Equity capital to assets | 10.3361% | 3,464 |
| Core capital (leverage) ratio | 10.1978% | 3,403 |
| Tier 1 risk-based capital ratio | 12.7323% | 5,305 |
| Total risk-based capital ratio | 13.9974% | 5,236 |
| Memoranda: |
| Average total assets | $360,333,000 | 1,812 |
| Average earning assets | $339,364,500 | 1,766 |
| Average equity | $36,201,750 | 1,920 |
| Average total loans | $306,971,250 | 1,380 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9489% | 1,001 |
| Cost of funding earning assets | 0.3637% | 5,285 |
| Net interest margin | 4.5853% | 611 |
| Noninterest income to average assets | 2.2193% | 382 |
| Noninterest expense to average assets | 5.6704% | 239 |
| Loan and lease loss provision to assets | 0.8023% | 270 |
| Net operating income to assets | 0.0701% | 6,201 |
| Return on assets (ROA) | 0.0701% | 6,280 |
| Pretax return on assets | 0.1062% | 6,221 |
| Return on Equity (ROE) | 0.6706% | 6,279 |
| Retained earnings to average equity (ytd only) | 0.6706% | 5,630 |
| Net charge-offs to loans | -0.0103% | 5,774 |
| Credit loss provision to net charge-offs | -8,875.0000% | 6,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1903% | 1,399 |
| Assets per employee ($millions) | 2.4498% | 6,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7369% | 2,635 |
| Loan loss allowance to noncurrent loans | 66.9261% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 2.5971% | 1,616 |
| Noncurrent loans to loans | 2.5953% | 1,775 |
| Net loans and leases to total assets | 89.3686% | 55 |
| Net loans and leases to deposits | 102.3850% | 317 |
| Net loans and leases to core deposits | 107.1791% | 677 |
| Total domestic deposits to total assets | 87.2868% | 2,667 |
| Equity capital to assets | 9.3027% | 4,853 |
| Core capital (leverage) ratio | 9.8962% | 3,656 |
| Tier 1 risk-based capital ratio | 11.6581% | 6,028 |
| Total risk-based capital ratio | 12.9385% | 5,953 |
| Memoranda: |
| Average total assets | $88,495,330 | 5,088 |
| Average earning assets | $84,139,330 | 5,004 |
| Average equity | $9,246,000 | 5,116 |
| Average total loans | $77,951,000 | 4,044 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9429% | 985 |
| Cost of funding earning assets | 0.3837% | 5,248 |
| Net interest margin | 4.5591% | 608 |
| Noninterest income to average assets | 3.3339% | 221 |
| Noninterest expense to average assets | 5.8128% | 231 |
| Loan and lease loss provision to assets | 0.3582% | 901 |
| Net operating income to assets | 0.9744% | 2,338 |
| Return on assets (ROA) | 0.9744% | 2,465 |
| Pretax return on assets | 1.4759% | 1,631 |
| Return on Equity (ROE) | 8.7638% | 2,599 |
| Retained earnings to average equity (ytd only) | 8.7638% | 1,463 |
| Net charge-offs to loans | -0.0111% | 5,479 |
| Credit loss provision to net charge-offs | -3,750.0000% | 5,846 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0150% | 2,925 |
| Assets per employee ($millions) | 2.2565% | 6,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6969% | 3,024 |
| Loan loss allowance to noncurrent loans | 52.4658% | 5,055 |
| Noncurrent assets plus other real estate owned to assets | 3.0847% | 1,439 |
| Noncurrent loans to loans | 3.2342% | 1,512 |
| Net loans and leases to total assets | 85.5340% | 135 |
| Net loans and leases to deposits | 102.6609% | 262 |
| Net loans and leases to core deposits | 106.8845% | 610 |
| Total domestic deposits to total assets | 83.3170% | 4,754 |
| Equity capital to assets | 10.9591% | 3,001 |
| Core capital (leverage) ratio | 11.2784% | 2,027 |
| Tier 1 risk-based capital ratio | 14.0269% | 4,488 |
| Total risk-based capital ratio | 15.3163% | 4,420 |
| Memoranda: |
| Average total assets | $83,746,500 | 5,275 |
| Average earning assets | $79,225,500 | 5,177 |
| Average equity | $9,311,000 | 5,152 |
| Average total loans | $72,365,000 | 4,255 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1389% | 1,231 |
| Cost of funding earning assets | 0.4563% | 5,531 |
| Net interest margin | 4.6826% | 672 |
| Noninterest income to average assets | 3.6125% | 202 |
| Noninterest expense to average assets | 6.6016% | 169 |
| Loan and lease loss provision to assets | 0.0462% | 5,259 |
| Net operating income to assets | 0.9193% | 2,718 |
| Return on assets (ROA) | 0.9193% | 2,956 |
| Pretax return on assets | 1.3697% | 2,147 |
| Return on Equity (ROE) | 7.8057% | 3,183 |
| Retained earnings to average equity (ytd only) | 7.8057% | 1,190 |
| Net charge-offs to loans | 0.1916% | 3,842 |
| Credit loss provision to net charge-offs | 29.4118% | 5,127 |
| Earnings coverage of net charge-offs (x) | 9.0084% | 2,318 |
| Efficiency ratio | 82.3394% | 1,826 |
| Assets per employee ($millions) | 2.0961% | 6,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6956% | 2,950 |
| Loan loss allowance to noncurrent loans | 49.2340% | 5,169 |
| Noncurrent assets plus other real estate owned to assets | 3.2380% | 1,427 |
| Noncurrent loans to loans | 3.4440% | 1,455 |
| Net loans and leases to total assets | 84.3248% | 200 |
| Net loans and leases to deposits | 98.8088% | 466 |
| Net loans and leases to core deposits | 102.9727% | 837 |
| Total domestic deposits to total assets | 85.3414% | 3,696 |
| Equity capital to assets | 11.2848% | 2,643 |
| Core capital (leverage) ratio | 11.5749% | 1,825 |
| Tier 1 risk-based capital ratio | 14.4573% | 4,063 |
| Total risk-based capital ratio | 15.7358% | 3,991 |
| Memoranda: |
| Average total assets | $75,709,200 | 5,465 |
| Average earning assets | $71,221,400 | 5,387 |
| Average equity | $8,916,600 | 5,246 |
| Average total loans | $62,098,600 | 4,629 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0788% | 1,477 |
| Cost of funding earning assets | 0.4786% | 5,572 |
| Net interest margin | 4.6002% | 818 |
| Noninterest income to average assets | 4.1598% | 178 |
| Noninterest expense to average assets | 6.7330% | 159 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1518% | 1,898 |
| Return on assets (ROA) | 1.1518% | 2,094 |
| Pretax return on assets | 1.7448% | 1,171 |
| Return on Equity (ROE) | 9.6685% | 2,511 |
| Retained earnings to average equity (ytd only) | 9.6685% | 1,006 |
| Net charge-offs to loans | 0.2197% | 3,411 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 9.8078% | 2,268 |
| Efficiency ratio | 79.4192% | 2,185 |
| Assets per employee ($millions) | 1.9754% | 7,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8166% | 2,740 |
| Loan loss allowance to noncurrent loans | 49.2037% | 5,173 |
| Noncurrent assets plus other real estate owned to assets | 3.9459% | 1,226 |
| Noncurrent loans to loans | 3.6920% | 1,447 |
| Net loans and leases to total assets | 82.3603% | 315 |
| Net loans and leases to deposits | 103.0952% | 309 |
| Net loans and leases to core deposits | 108.0420% | 650 |
| Total domestic deposits to total assets | 79.8876% | 5,682 |
| Equity capital to assets | 11.9766% | 2,278 |
| Core capital (leverage) ratio | 12.0722% | 1,611 |
| Tier 1 risk-based capital ratio | 15.2413% | 3,682 |
| Total risk-based capital ratio | 16.5188% | 3,614 |
| Memoranda: |
| Average total assets | $74,199,750 | 5,564 |
| Average earning assets | $69,646,750 | 5,501 |
| Average equity | $8,839,500 | 5,312 |
| Average total loans | $60,092,750 | 4,762 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0586% | 1,635 |
| Cost of funding earning assets | 0.4983% | 5,633 |
| Net interest margin | 4.5604% | 888 |
| Noninterest income to average assets | 3.8470% | 193 |
| Noninterest expense to average assets | 6.6346% | 166 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9802% | 2,544 |
| Return on assets (ROA) | 0.9802% | 2,786 |
| Pretax return on assets | 1.4853% | 1,891 |
| Return on Equity (ROE) | 8.2431% | 3,147 |
| Retained earnings to average equity (ytd only) | 8.2431% | 1,555 |
| Net charge-offs to loans | -0.0205% | 6,437 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7081% | 1,925 |
| Assets per employee ($millions) | 1.8642% | 7,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1527% | 1,878 |
| Loan loss allowance to noncurrent loans | 47.3528% | 5,264 |
| Noncurrent assets plus other real estate owned to assets | 4.6146% | 1,057 |
| Noncurrent loans to loans | 4.5460% | 1,157 |
| Net loans and leases to total assets | 79.9626% | 515 |
| Net loans and leases to deposits | 98.1198% | 521 |
| Net loans and leases to core deposits | 105.2369% | 782 |
| Total domestic deposits to total assets | 81.4948% | 5,301 |
| Equity capital to assets | 12.2387% | 1,973 |
| Core capital (leverage) ratio | 12.3238% | 1,436 |
| Tier 1 risk-based capital ratio | 15.7036% | 3,330 |
| Total risk-based capital ratio | 17.0029% | 3,273 |
| Memoranda: |
| Average total assets | $73,252,330 | 5,630 |
| Average earning assets | $68,635,000 | 5,569 |
| Average equity | $8,710,330 | 5,349 |
| Average total loans | $58,581,670 | 4,848 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0682% | 1,668 |
| Cost of funding earning assets | 0.5173% | 5,704 |
| Net interest margin | 4.5509% | 914 |
| Noninterest income to average assets | 3.3240% | 206 |
| Noninterest expense to average assets | 6.2834% | 183 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8596% | 3,110 |
| Return on assets (ROA) | 0.8596% | 3,341 |
| Pretax return on assets | 1.3002% | 2,537 |
| Return on Equity (ROE) | 7.3348% | 3,589 |
| Retained earnings to average equity (ytd only) | 7.3348% | 2,263 |
| Net charge-offs to loans | 0.1238% | 3,367 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 13.2778% | 1,548 |
| Efficiency ratio | 82.8551% | 1,820 |
| Assets per employee ($millions) | 2.1920% | 7,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1620% | 1,960 |
| Loan loss allowance to noncurrent loans | 51.3502% | 4,991 |
| Noncurrent assets plus other real estate owned to assets | 4.2828% | 1,270 |
| Noncurrent loans to loans | 4.2102% | 1,435 |
| Net loans and leases to total assets | 78.5142% | 541 |
| Net loans and leases to deposits | 101.9824% | 308 |
| Net loans and leases to core deposits | 109.3538% | 554 |
| Total domestic deposits to total assets | 76.9879% | 6,407 |
| Equity capital to assets | 12.0327% | 2,014 |
| Core capital (leverage) ratio | 11.8461% | 1,675 |
| Tier 1 risk-based capital ratio | 15.8208% | 3,269 |
| Total risk-based capital ratio | 17.1291% | 3,205 |
| Memoranda: |
| Average total assets | $73,526,500 | 5,663 |
| Average earning assets | $68,821,500 | 5,606 |
| Average equity | $8,616,500 | 5,396 |
| Average total loans | $58,165,000 | 4,896 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1665% | 2,196 |
| Cost of funding earning assets | 0.9141% | 4,018 |
| Net interest margin | 4.2524% | 1,872 |
| Noninterest income to average assets | 2.5727% | 255 |
| Noninterest expense to average assets | 5.9672% | 213 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.3941% | 4,894 |
| Return on assets (ROA) | 0.3941% | 5,059 |
| Pretax return on assets | 0.5701% | 4,782 |
| Return on Equity (ROE) | 3.2529% | 5,178 |
| Retained earnings to average equity (ytd only) | 3.2529% | 3,909 |
| Net charge-offs to loans | 0.7525% | 2,270 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 1.0077% | 5,034 |
| Efficiency ratio | 91.2792% | 1,097 |
| Assets per employee ($millions) | 2.0755% | 7,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1842% | 1,827 |
| Loan loss allowance to noncurrent loans | 51.2274% | 4,953 |
| Noncurrent assets plus other real estate owned to assets | 4.2012% | 1,342 |
| Noncurrent loans to loans | 4.2638% | 1,434 |
| Net loans and leases to total assets | 76.2986% | 910 |
| Net loans and leases to deposits | 93.9703% | 815 |
| Net loans and leases to core deposits | 103.2585% | 950 |
| Total domestic deposits to total assets | 81.1944% | 5,388 |
| Equity capital to assets | 11.4151% | 2,583 |
| Core capital (leverage) ratio | 11.6133% | 1,813 |
| Tier 1 risk-based capital ratio | 15.4686% | 3,349 |
| Total risk-based capital ratio | 16.7628% | 3,268 |
| Memoranda: |
| Average total assets | $68,759,600 | 5,784 |
| Average earning assets | $64,105,200 | 5,728 |
| Average equity | $8,331,000 | 5,468 |
| Average total loans | $51,697,400 | 5,203 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1669% | 2,321 |
| Cost of funding earning assets | 0.9582% | 3,979 |
| Net interest margin | 4.2087% | 2,061 |
| Noninterest income to average assets | 2.3427% | 293 |
| Noninterest expense to average assets | 5.5397% | 252 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.4816% | 4,625 |
| Return on assets (ROA) | 0.4816% | 4,823 |
| Pretax return on assets | 0.7294% | 4,379 |
| Return on Equity (ROE) | 3.9122% | 5,033 |
| Retained earnings to average equity (ytd only) | 3.9122% | 3,935 |
| Net charge-offs to loans | 1.0442% | 1,529 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 0.9388% | 4,920 |
| Efficiency ratio | 88.3655% | 1,307 |
| Assets per employee ($millions) | 1.9407% | 7,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3717% | 1,581 |
| Loan loss allowance to noncurrent loans | 50.4569% | 4,980 |
| Noncurrent assets plus other real estate owned to assets | 4.5388% | 1,315 |
| Noncurrent loans to loans | 4.7005% | 1,373 |
| Net loans and leases to total assets | 74.8272% | 1,179 |
| Net loans and leases to deposits | 90.8645% | 1,122 |
| Net loans and leases to core deposits | 100.3628% | 1,212 |
| Total domestic deposits to total assets | 82.3502% | 4,950 |
| Equity capital to assets | 12.2107% | 2,090 |
| Core capital (leverage) ratio | 12.4886% | 1,441 |
| Tier 1 risk-based capital ratio | 17.1016% | 2,606 |
| Total risk-based capital ratio | 18.3773% | 2,554 |
| Memoranda: |
| Average total assets | $67,270,250 | 5,862 |
| Average earning assets | $62,756,750 | 5,815 |
| Average equity | $8,281,500 | 5,513 |
| Average total loans | $50,051,500 | 5,304 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9793% | 3,255 |
| Cost of funding earning assets | 1.0017% | 3,937 |
| Net interest margin | 3.9776% | 2,956 |
| Noninterest income to average assets | 2.1926% | 319 |
| Noninterest expense to average assets | 5.4393% | 272 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2952% | 5,386 |
| Return on assets (ROA) | 0.2952% | 5,526 |
| Pretax return on assets | 0.4488% | 5,236 |
| Return on Equity (ROE) | 2.3907% | 5,650 |
| Retained earnings to average equity (ytd only) | 2.3907% | 4,769 |
| Net charge-offs to loans | 1.5465% | 950 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 0.3942% | 5,007 |
| Efficiency ratio | 92.3785% | 1,076 |
| Assets per employee ($millions) | 1.9768% | 7,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6133% | 1,298 |
| Loan loss allowance to noncurrent loans | 50.7711% | 4,977 |
| Noncurrent assets plus other real estate owned to assets | 4.8794% | 1,262 |
| Noncurrent loans to loans | 5.1471% | 1,257 |
| Net loans and leases to total assets | 73.3524% | 1,527 |
| Net loans and leases to deposits | 85.7942% | 1,818 |
| Net loans and leases to core deposits | 95.0083% | 1,792 |
| Total domestic deposits to total assets | 85.4981% | 3,627 |
| Equity capital to assets | 12.7711% | 1,636 |
| Core capital (leverage) ratio | 12.5128% | 1,351 |
| Tier 1 risk-based capital ratio | 16.7152% | 2,643 |
| Total risk-based capital ratio | 18.0010% | 2,585 |
| Memoranda: |
| Average total assets | $66,405,330 | 5,947 |
| Average earning assets | $61,695,000 | 5,897 |
| Average equity | $8,198,330 | 5,552 |
| Average total loans | $48,886,000 | 5,399 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8426% | 3,857 |
| Cost of funding earning assets | 1.0511% | 3,845 |
| Net interest margin | 3.7915% | 3,655 |
| Noninterest income to average assets | 2.3107% | 300 |
| Noninterest expense to average assets | 5.1410% | 323 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4478% | 4,727 |
| Return on assets (ROA) | 0.4478% | 4,812 |
| Pretax return on assets | 0.6807% | 4,379 |
| Return on Equity (ROE) | 3.6891% | 5,048 |
| Retained earnings to average equity (ytd only) | 3.6891% | 3,962 |
| Net charge-offs to loans | 0.1230% | 3,792 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 7.6000% | 1,929 |
| Efficiency ratio | 88.3077% | 1,473 |
| Assets per employee ($millions) | 2.1045% | 7,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4100% | 657 |
| Loan loss allowance to noncurrent loans | 44.2029% | 5,353 |
| Noncurrent assets plus other real estate owned to assets | 5.7848% | 1,021 |
| Noncurrent loans to loans | 7.7144% | 667 |
| Net loans and leases to total assets | 71.5083% | 1,812 |
| Net loans and leases to deposits | 83.4368% | 2,113 |
| Net loans and leases to core deposits | 92.3528% | 2,086 |
| Total domestic deposits to total assets | 85.7036% | 3,689 |
| Equity capital to assets | 12.5123% | 1,624 |
| Core capital (leverage) ratio | 12.2015% | 1,458 |
| Tier 1 risk-based capital ratio | 14.5955% | 3,678 |
| Total risk-based capital ratio | 15.9439% | 3,573 |
| Memoranda: |
| Average total assets | $66,991,500 | 5,969 |
| Average earning assets | $62,033,000 | 5,933 |
| Average equity | $8,132,000 | 5,568 |
| Average total loans | $48,762,000 | 5,450 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3502% | 2,894 |
| Cost of funding earning assets | 1.1538% | 4,830 |
| Net interest margin | 4.1964% | 2,201 |
| Noninterest income to average assets | 2.7304% | 257 |
| Noninterest expense to average assets | 5.7317% | 263 |
| Loan and lease loss provision to assets | 1.8938% | 719 |
| Net operating income to assets | -0.6358% | 6,474 |
| Return on assets (ROA) | -0.6358% | 6,503 |
| Pretax return on assets | -0.9781% | 6,628 |
| Return on Equity (ROE) | -4.9316% | 6,428 |
| Retained earnings to average equity (ytd only) | -4.9316% | 6,291 |
| Net charge-offs to loans | 0.5577% | 3,387 |
| Credit loss provision to net charge-offs | 415.0000% | 578 |
| Earnings coverage of net charge-offs (x) | 2.0067% | 4,233 |
| Efficiency ratio | 86.2243% | 1,669 |
| Assets per employee ($millions) | 2.0219% | 7,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3763% | 642 |
| Loan loss allowance to noncurrent loans | 64.0956% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 7.2575% | 738 |
| Noncurrent loans to loans | 5.2676% | 1,266 |
| Net loans and leases to total assets | 69.1896% | 2,728 |
| Net loans and leases to deposits | 80.2007% | 3,135 |
| Net loans and leases to core deposits | 87.9802% | 3,055 |
| Total domestic deposits to total assets | 86.2706% | 3,217 |
| Equity capital to assets | 11.7845% | 2,051 |
| Core capital (leverage) ratio | 11.9377% | 1,596 |
| Tier 1 risk-based capital ratio | 12.2055% | 5,291 |
| Total risk-based capital ratio | 13.5593% | 5,167 |
| Memoranda: |
| Average total assets | $65,740,200 | 6,012 |
| Average earning assets | $61,361,800 | 5,945 |
| Average equity | $8,476,000 | 5,557 |
| Average total loans | $53,790,800 | 5,326 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5019% | 2,428 |
| Cost of funding earning assets | 1.1559% | 5,111 |
| Net interest margin | 4.3460% | 1,690 |
| Noninterest income to average assets | 2.5809% | 267 |
| Noninterest expense to average assets | 5.4900% | 274 |
| Loan and lease loss provision to assets | 1.1386% | 1,274 |
| Net operating income to assets | 0.0205% | 5,956 |
| Return on assets (ROA) | 0.0205% | 6,076 |
| Pretax return on assets | 0.0328% | 6,037 |
| Return on Equity (ROE) | 0.1555% | 6,083 |
| Retained earnings to average equity (ytd only) | 0.1555% | 5,713 |
| Net charge-offs to loans | 0.3180% | 4,066 |
| Credit loss provision to net charge-offs | 423.6641% | 716 |
| Earnings coverage of net charge-offs (x) | 4.3588% | 3,083 |
| Efficiency ratio | 82.4145% | 2,016 |
| Assets per employee ($millions) | 1.9622% | 7,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9995% | 2,221 |
| Loan loss allowance to noncurrent loans | 19.8366% | 6,911 |
| Noncurrent assets plus other real estate owned to assets | 8.6502% | 546 |
| Noncurrent loans to loans | 10.0797% | 414 |
| Net loans and leases to total assets | 83.8252% | 342 |
| Net loans and leases to deposits | 98.4733% | 768 |
| Net loans and leases to core deposits | 108.4660% | 1,127 |
| Total domestic deposits to total assets | 85.1248% | 3,558 |
| Equity capital to assets | 12.8292% | 1,663 |
| Core capital (leverage) ratio | 12.5785% | 1,376 |
| Tier 1 risk-based capital ratio | 17.1524% | 2,289 |
| Total risk-based capital ratio | 18.4160% | 2,246 |
| Memoranda: |
| Average total assets | $64,989,500 | 6,098 |
| Average earning assets | $61,020,000 | 6,027 |
| Average equity | $8,569,750 | 5,608 |
| Average total loans | $54,932,250 | 5,346 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6806% | 1,836 |
| Cost of funding earning assets | 1.1164% | 5,590 |
| Net interest margin | 4.5642% | 1,077 |
| Noninterest income to average assets | 2.0554% | 343 |
| Noninterest expense to average assets | 5.3901% | 289 |
| Loan and lease loss provision to assets | 0.1863% | 5,007 |
| Net operating income to assets | 0.5030% | 4,313 |
| Return on assets (ROA) | 0.5030% | 4,461 |
| Pretax return on assets | 0.7824% | 3,939 |
| Return on Equity (ROE) | 3.7792% | 4,883 |
| Retained earnings to average equity (ytd only) | 3.7792% | 3,686 |
| Net charge-offs to loans | 0.5164% | 2,982 |
| Credit loss provision to net charge-offs | 42.8571% | 5,558 |
| Earnings coverage of net charge-offs (x) | 2.2286% | 3,895 |
| Efficiency ratio | 84.7656% | 1,839 |
| Assets per employee ($millions) | 2.0832% | 7,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0989% | 5,940 |
| Loan loss allowance to noncurrent loans | 30.4348% | 6,338 |
| Noncurrent assets plus other real estate owned to assets | 3.0722% | 2,314 |
| Noncurrent loans to loans | 3.6108% | 2,182 |
| Net loans and leases to total assets | 83.3922% | 402 |
| Net loans and leases to deposits | 102.6170% | 562 |
| Net loans and leases to core deposits | 113.1198% | 973 |
| Total domestic deposits to total assets | 81.2655% | 5,309 |
| Equity capital to assets | 12.6831% | 1,691 |
| Core capital (leverage) ratio | 12.9893% | 1,215 |
| Tier 1 risk-based capital ratio | 17.3059% | 2,167 |
| Total risk-based capital ratio | 18.5562% | 2,132 |
| Memoranda: |
| Average total assets | $64,414,330 | 6,162 |
| Average earning assets | $60,733,000 | 6,073 |
| Average equity | $8,573,330 | 5,617 |
| Average total loans | $54,221,330 | 5,413 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7976% | 1,467 |
| Cost of funding earning assets | 1.1243% | 5,776 |
| Net interest margin | 4.6733% | 831 |
| Noninterest income to average assets | 2.0884% | 323 |
| Noninterest expense to average assets | 5.7832% | 238 |
| Loan and lease loss provision to assets | 0.1928% | 4,574 |
| Net operating income to assets | 0.3598% | 5,021 |
| Return on assets (ROA) | 0.3598% | 5,151 |
| Pretax return on assets | 0.5462% | 4,795 |
| Return on Equity (ROE) | 2.6351% | 5,510 |
| Retained earnings to average equity (ytd only) | 2.6351% | 4,566 |
| Net charge-offs to loans | 0.6418% | 2,218 |
| Credit loss provision to net charge-offs | 35.7143% | 4,725 |
| Earnings coverage of net charge-offs (x) | 1.3690% | 3,926 |
| Efficiency ratio | 88.6700% | 1,529 |
| Assets per employee ($millions) | 1.8391% | 7,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2153% | 5,425 |
| Loan loss allowance to noncurrent loans | 34.6576% | 6,076 |
| Noncurrent assets plus other real estate owned to assets | 3.0014% | 2,387 |
| Noncurrent loans to loans | 3.5065% | 2,272 |
| Net loans and leases to total assets | 83.7251% | 396 |
| Net loans and leases to deposits | 111.9924% | 252 |
| Net loans and leases to core deposits | 121.5202% | 725 |
| Total domestic deposits to total assets | 74.7596% | 6,935 |
| Equity capital to assets | 13.2750% | 1,408 |
| Core capital (leverage) ratio | 13.4949% | 1,085 |
| Tier 1 risk-based capital ratio | 17.7211% | 2,016 |
| Total risk-based capital ratio | 18.9734% | 1,988 |
| Memoranda: |
| Average total assets | $62,249,000 | 6,298 |
| Average earning assets | $59,059,000 | 6,204 |
| Average equity | $8,500,500 | 5,688 |
| Average total loans | $52,349,500 | 5,565 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0737% | 1,592 |
| Cost of funding earning assets | 1.5378% | 5,347 |
| Net interest margin | 4.5359% | 1,105 |
| Noninterest income to average assets | 1.6672% | 519 |
| Noninterest expense to average assets | 5.2687% | 441 |
| Loan and lease loss provision to assets | 0.2728% | 5,229 |
| Net operating income to assets | 0.2766% | 4,619 |
| Return on assets (ROA) | 0.2365% | 4,851 |
| Pretax return on assets | 0.3148% | 4,722 |
| Return on Equity (ROE) | 1.4877% | 5,094 |
| Retained earnings to average equity (ytd only) | 1.4877% | 4,025 |
| Net charge-offs to loans | 0.0701% | 6,417 |
| Credit loss provision to net charge-offs | 461.2903% | 675 |
| Earnings coverage of net charge-offs (x) | 10.8387% | 1,644 |
| Efficiency ratio | 89.1543% | 1,779 |
| Assets per employee ($millions) | 1.7180% | 7,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4299% | 4,074 |
| Loan loss allowance to noncurrent loans | 37.6378% | 5,921 |
| Noncurrent assets plus other real estate owned to assets | 3.1998% | 2,149 |
| Noncurrent loans to loans | 3.7991% | 1,968 |
| Net loans and leases to total assets | 82.1999% | 658 |
| Net loans and leases to deposits | 101.7394% | 770 |
| Net loans and leases to core deposits | 124.4423% | 1,609 |
| Total domestic deposits to total assets | 80.7946% | 5,408 |
| Equity capital to assets | 14.0631% | 1,149 |
| Core capital (leverage) ratio | 14.2678% | 935 |
| Tier 1 risk-based capital ratio | 18.8606% | 1,685 |
| Total risk-based capital ratio | 20.1149% | 1,653 |
| Memoranda: |
| Average total assets | $52,422,400 | 6,618 |
| Average earning assets | $49,031,000 | 6,562 |
| Average equity | $8,335,200 | 5,824 |
| Average total loans | $44,237,400 | 5,922 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0297% | 1,918 |
| Cost of funding earning assets | 1.5960% | 5,422 |
| Net interest margin | 4.4337% | 1,357 |
| Noninterest income to average assets | 1.4786% | 678 |
| Noninterest expense to average assets | 5.2597% | 412 |
| Loan and lease loss provision to assets | 0.2456% | 4,997 |
| Net operating income to assets | 0.0732% | 5,547 |
| Return on assets (ROA) | 0.0132% | 5,735 |
| Pretax return on assets | 0.0185% | 5,669 |
| Return on Equity (ROE) | 0.0803% | 5,751 |
| Retained earnings to average equity (ytd only) | 0.0803% | 5,170 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7853% | 1,414 |
| Assets per employee ($millions) | 1.9691% | 7,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4980% | 3,458 |
| Loan loss allowance to noncurrent loans | 33.0649% | 6,225 |
| Noncurrent assets plus other real estate owned to assets | 3.6056% | 1,826 |
| Noncurrent loans to loans | 4.5305% | 1,533 |
| Net loans and leases to total assets | 77.6941% | 1,635 |
| Net loans and leases to deposits | 94.5589% | 1,783 |
| Net loans and leases to core deposits | 118.7257% | 2,353 |
| Total domestic deposits to total assets | 82.1647% | 4,606 |
| Equity capital to assets | 14.1467% | 1,257 |
| Core capital (leverage) ratio | 15.0019% | 858 |
| Tier 1 risk-based capital ratio | 19.7903% | 1,597 |
| Total risk-based capital ratio | 21.0466% | 1,557 |
| Memoranda: |
| Average total assets | $50,495,750 | 6,737 |
| Average earning assets | $47,033,000 | 6,686 |
| Average equity | $8,305,000 | 5,887 |
| Average total loans | $42,761,000 | 6,032 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9831% | 2,253 |
| Cost of funding earning assets | 1.6497% | 5,516 |
| Net interest margin | 4.3334% | 1,565 |
| Noninterest income to average assets | 1.3645% | 822 |
| Noninterest expense to average assets | 5.5126% | 378 |
| Loan and lease loss provision to assets | 0.2225% | 4,808 |
| Net operating income to assets | -0.2137% | 6,213 |
| Return on assets (ROA) | -0.3107% | 6,351 |
| Pretax return on assets | -0.4702% | 6,391 |
| Return on Equity (ROE) | -1.7858% | 6,189 |
| Retained earnings to average equity (ytd only) | -1.7858% | 5,691 |
| Net charge-offs to loans | 0.0289% | 6,068 |
| Credit loss provision to net charge-offs | 883.3333% | 545 |
| Earnings coverage of net charge-offs (x) | -4.0000% | 6,434 |
| Efficiency ratio | 101.8619% | 1,098 |
| Assets per employee ($millions) | 1.6962% | 8,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4875% | 3,263 |
| Loan loss allowance to noncurrent loans | 32.4701% | 6,302 |
| Noncurrent assets plus other real estate owned to assets | 4.1208% | 1,416 |
| Noncurrent loans to loans | 4.5810% | 1,398 |
| Net loans and leases to total assets | 87.7841% | 249 |
| Net loans and leases to deposits | 109.1725% | 593 |
| Net loans and leases to core deposits | 148.6335% | 687 |
| Total domestic deposits to total assets | 80.4086% | 5,316 |
| Equity capital to assets | 16.7209% | 706 |
| Core capital (leverage) ratio | 17.0015% | 611 |
| Tier 1 risk-based capital ratio | 21.3572% | 1,338 |
| Total risk-based capital ratio | 22.6140% | 1,309 |
| Memoranda: |
| Average total assets | $47,636,330 | 6,915 |
| Average earning assets | $44,491,670 | 6,861 |
| Average equity | $8,287,670 | 5,921 |
| Average total loans | $41,483,000 | 6,136 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4929% | 876 |
| Cost of funding earning assets | 1.6507% | 5,812 |
| Net interest margin | 4.8421% | 558 |
| Noninterest income to average assets | 1.5109% | 618 |
| Noninterest expense to average assets | 5.4375% | 376 |
| Loan and lease loss provision to assets | 0.1793% | 4,661 |
| Net operating income to assets | 0.2646% | 5,420 |
| Return on assets (ROA) | 0.2646% | 5,587 |
| Pretax return on assets | 0.4012% | 5,394 |
| Return on Equity (ROE) | 1.4906% | 5,966 |
| Retained earnings to average equity (ytd only) | 1.4906% | 5,017 |
| Net charge-offs to loans | -0.0099% | 7,272 |
| Credit loss provision to net charge-offs | -2,100.0000% | 6,631 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3546% | 1,695 |
| Assets per employee ($millions) | 1.6994% | 8,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4989% | 2,999 |
| Loan loss allowance to noncurrent loans | 78.4731% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 2.0365% | 2,840 |
| Noncurrent loans to loans | 1.9101% | 3,394 |
| Net loans and leases to total assets | 86.5937% | 378 |
| Net loans and leases to deposits | 108.7581% | 686 |
| Net loans and leases to core deposits | 147.2324% | 804 |
| Total domestic deposits to total assets | 79.6204% | 5,500 |
| Equity capital to assets | 17.5129% | 668 |
| Core capital (leverage) ratio | 17.9601% | 559 |
| Tier 1 risk-based capital ratio | 22.1786% | 1,282 |
| Total risk-based capital ratio | 23.4326% | 1,249 |
| Memoranda: |
| Average total assets | $46,859,500 | 6,996 |
| Average earning assets | $43,617,000 | 6,953 |
| Average equity | $8,319,000 | 5,948 |
| Average total loans | $40,308,000 | 6,224 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5681% | 2,633 |
| Cost of funding earning assets | 1.7394% | 7,163 |
| Net interest margin | 4.8287% | 735 |
| Noninterest income to average assets | 1.7542% | 442 |
| Noninterest expense to average assets | 5.9349% | 412 |
| Loan and lease loss provision to assets | 0.2257% | 4,628 |
| Net operating income to assets | 0.0417% | 6,253 |
| Return on assets (ROA) | 0.0417% | 6,110 |
| Pretax return on assets | 0.0343% | 6,088 |
| Return on Equity (ROE) | 0.2042% | 6,164 |
| Retained earnings to average equity (ytd only) | 0.2042% | 5,108 |
| Net charge-offs to loans | 0.1926% | 4,265 |
| Credit loss provision to net charge-offs | 146.0317% | 3,613 |
| Earnings coverage of net charge-offs (x) | 1.6825% | 5,243 |
| Efficiency ratio | 95.8020% | 1,171 |
| Assets per employee ($millions) | 1.7088% | 8,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5598% | 2,400 |
| Loan loss allowance to noncurrent loans | 876.8116% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.5180% | 5,626 |
| Noncurrent loans to loans | 0.1779% | 6,855 |
| Net loans and leases to total assets | 82.7557% | 1,090 |
| Net loans and leases to deposits | 104.6370% | 1,277 |
| Net loans and leases to core deposits | 136.4777% | 1,465 |
| Total domestic deposits to total assets | 79.0884% | 5,346 |
| Equity capital to assets | 18.0007% | 651 |
| Core capital (leverage) ratio | 18.7100% | 536 |
| Tier 1 risk-based capital ratio | 23.6237% | 1,127 |
| Total risk-based capital ratio | 24.8788% | 1,098 |
| Memoranda: |
| Average total assets | $40,759,200 | 7,183 |
| Average earning assets | $37,484,400 | 7,172 |
| Average equity | $8,323,600 | 5,970 |
| Average total loans | $32,718,200 | 6,568 |
