| 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 | 3.6932% | 4,278 |
| Cost of funding earning assets | 1.4531% | 2,069 |
| Net interest margin | 2.2401% | 4,291 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 2.2565% | 2,965 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.2138% | 4,153 |
| Return on assets (ROA) | 0.1189% | 4,261 |
| Pretax return on assets | 0.1283% | 4,255 |
| Return on Equity (ROE) | 1.4000% | 4,221 |
| Retained earnings to average equity (ytd only) | 1.3999% | 3,736 |
| Net charge-offs to loans | -0.0254% | 4,234 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 89.1092% | 443 |
| Assets per employee ($millions) | 7.3268% | 1,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9776% | 3,427 |
| Loan loss allowance to noncurrent loans | 795.3252% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.0834% | 2,987 |
| Noncurrent loans to loans | 0.1229% | 2,902 |
| Net loans and leases to total assets | 67.2000% | 2,127 |
| Net loans and leases to deposits | 87.2534% | 1,511 |
| Net loans and leases to core deposits | 92.6996% | 1,858 |
| Total domestic deposits to total assets | 77.0100% | 3,846 |
| Equity capital to assets | 8.8781% | 2,765 |
| Core capital (leverage) ratio | 10.6226% | 2,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1126% | 1,063 |
| Memoranda: |
| Average total assets | $1,133,127,400 | 893 |
| Average earning assets | $1,070,161,600 | 868 |
| Average equity | $96,220,600 | 973 |
| Average total loans | $739,962,600 | 913 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5985% | 4,309 |
| Cost of funding earning assets | 1.3824% | 1,911 |
| Net interest margin | 2.2161% | 4,346 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 2.2985% | 2,794 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.1777% | 4,256 |
| Return on assets (ROA) | 0.1982% | 4,247 |
| Pretax return on assets | 0.2228% | 4,230 |
| Return on Equity (ROE) | 2.3600% | 4,162 |
| Retained earnings to average equity (ytd only) | 2.3621% | 3,655 |
| Net charge-offs to loans | -0.0348% | 4,287 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 91.8611% | 323 |
| Assets per employee ($millions) | 6.8683% | 2,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9529% | 3,549 |
| Loan loss allowance to noncurrent loans | 783.7780% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.0817% | 3,045 |
| Noncurrent loans to loans | 0.1216% | 2,951 |
| Net loans and leases to total assets | 66.5500% | 2,195 |
| Net loans and leases to deposits | 83.7438% | 1,761 |
| Net loans and leases to core deposits | 88.7017% | 2,015 |
| Total domestic deposits to total assets | 79.4700% | 3,611 |
| Equity capital to assets | 8.0540% | 3,020 |
| Core capital (leverage) ratio | 10.8518% | 2,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9890% | 1,101 |
| Memoranda: |
| Average total assets | $1,121,504,000 | 903 |
| Average earning assets | $1,058,964,000 | 878 |
| Average equity | $94,093,750 | 987 |
| Average total loans | $724,826,750 | 926 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4379% | 4,399 |
| Cost of funding earning assets | 1.2521% | 1,843 |
| Net interest margin | 2.1858% | 4,434 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.3362% | 2,691 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.1137% | 4,354 |
| Return on assets (ROA) | 0.1921% | 4,310 |
| Pretax return on assets | 0.2226% | 4,296 |
| Return on Equity (ROE) | 2.2600% | 4,236 |
| Retained earnings to average equity (ytd only) | 2.2585% | 3,656 |
| Net charge-offs to loans | -0.0412% | 4,324 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 94.5252% | 250 |
| Assets per employee ($millions) | 6.6007% | 2,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9932% | 3,457 |
| Loan loss allowance to noncurrent loans | 451.3313% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.1439% | 2,543 |
| Noncurrent loans to loans | 0.2201% | 2,385 |
| Net loans and leases to total assets | 64.7500% | 2,304 |
| Net loans and leases to deposits | 78.5382% | 2,086 |
| Net loans and leases to core deposits | 82.4301% | 2,301 |
| Total domestic deposits to total assets | 82.4500% | 3,145 |
| Equity capital to assets | 8.5002% | 2,865 |
| Core capital (leverage) ratio | 11.0499% | 1,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6281% | 1,010 |
| Memoranda: |
| Average total assets | $1,113,003,333 | 898 |
| Average earning assets | $1,050,883,667 | 872 |
| Average equity | $94,665,000 | 979 |
| Average total loans | $709,537,333 | 928 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3578% | 4,404 |
| Cost of funding earning assets | 1.0775% | 1,819 |
| Net interest margin | 2.2803% | 4,460 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 2.3875% | 2,567 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.1382% | 4,409 |
| Return on assets (ROA) | 0.2797% | 4,237 |
| Pretax return on assets | 0.3259% | 4,239 |
| Return on Equity (ROE) | 3.2900% | 4,142 |
| Retained earnings to average equity (ytd only) | 3.2872% | 3,440 |
| Net charge-offs to loans | -0.0826% | 4,466 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 93.5388% | 271 |
| Assets per employee ($millions) | 6.6750% | 2,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0407% | 3,338 |
| Loan loss allowance to noncurrent loans | 424.5624% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.1547% | 2,422 |
| Noncurrent loans to loans | 0.2451% | 2,273 |
| Net loans and leases to total assets | 62.4500% | 2,422 |
| Net loans and leases to deposits | 74.8779% | 2,225 |
| Net loans and leases to core deposits | 78.2408% | 2,374 |
| Total domestic deposits to total assets | 83.4000% | 3,222 |
| Equity capital to assets | 8.7089% | 2,730 |
| Core capital (leverage) ratio | 11.1271% | 1,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1423% | 973 |
| Memoranda: |
| Average total assets | $1,108,448,500 | 920 |
| Average earning assets | $1,046,524,000 | 896 |
| Average equity | $94,306,500 | 991 |
| Average total loans | $697,350,000 | 960 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9659% | 4,171 |
| Cost of funding earning assets | 0.3658% | 2,359 |
| Net interest margin | 2.6001% | 4,172 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.3366% | 2,627 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.4295% | 4,208 |
| Return on assets (ROA) | 0.3135% | 4,325 |
| Pretax return on assets | 0.4043% | 4,276 |
| Return on Equity (ROE) | 3.4700% | 4,240 |
| Retained earnings to average equity (ytd only) | 3.4730% | 3,571 |
| Net charge-offs to loans | -0.0088% | 3,778 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 80.7512% | 662 |
| Assets per employee ($millions) | 6.8028% | 2,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0278% | 3,215 |
| Loan loss allowance to noncurrent loans | 349.1939% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.1846% | 2,259 |
| Noncurrent loans to loans | 0.2943% | 2,084 |
| Net loans and leases to total assets | 62.0700% | 2,431 |
| Net loans and leases to deposits | 74.9325% | 2,180 |
| Net loans and leases to core deposits | 77.5129% | 2,317 |
| Total domestic deposits to total assets | 82.8400% | 3,455 |
| Equity capital to assets | 8.3072% | 2,850 |
| Core capital (leverage) ratio | 11.1631% | 1,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0756% | 970 |
| Memoranda: |
| Average total assets | $1,084,781,400 | 914 |
| Average earning assets | $1,029,112,800 | 883 |
| Average equity | $97,927,800 | 957 |
| Average total loans | $659,022,400 | 957 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8923% | 4,069 |
| Cost of funding earning assets | 0.2806% | 2,380 |
| Net interest margin | 2.6117% | 4,084 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 2.2950% | 2,638 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.5059% | 4,060 |
| Return on assets (ROA) | 0.2799% | 4,360 |
| Pretax return on assets | 0.3280% | 4,350 |
| Return on Equity (ROE) | 3.0400% | 4,294 |
| Retained earnings to average equity (ytd only) | 3.0387% | 3,764 |
| Net charge-offs to loans | -0.0113% | 3,751 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 79.2903% | 814 |
| Assets per employee ($millions) | 6.5217% | 2,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0599% | 3,200 |
| Loan loss allowance to noncurrent loans | 344.2995% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.1912% | 2,330 |
| Noncurrent loans to loans | 0.3079% | 2,143 |
| Net loans and leases to total assets | 61.4500% | 2,358 |
| Net loans and leases to deposits | 68.9974% | 2,452 |
| Net loans and leases to core deposits | 71.5673% | 2,518 |
| Total domestic deposits to total assets | 89.0600% | 2,067 |
| Equity capital to assets | 7.9151% | 2,949 |
| Core capital (leverage) ratio | 11.1012% | 1,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3817% | 939 |
| Memoranda: |
| Average total assets | $1,078,764,500 | 923 |
| Average earning assets | $1,024,949,250 | 892 |
| Average equity | $99,381,250 | 957 |
| Average total loans | $649,919,250 | 965 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7994% | 3,979 |
| Cost of funding earning assets | 0.2416% | 2,374 |
| Net interest margin | 2.5578% | 3,984 |
| Noninterest income to average assets | 0.4162% | 2,656 |
| Noninterest expense to average assets | 2.2783% | 2,611 |
| Loan and lease loss provision to assets | 0.0050% | 2,512 |
| Net operating income to assets | 0.4607% | 3,981 |
| Return on assets (ROA) | 0.2014% | 4,378 |
| Pretax return on assets | 0.2474% | 4,352 |
| Return on Equity (ROE) | 2.0876% | 4,345 |
| Retained earnings to average equity (ytd only) | 2.0876% | 3,726 |
| Net charge-offs to loans | -0.0199% | 3,873 |
| Credit loss provision to net charge-offs | -42.1875% | 3,030 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9141% | 955 |
| Assets per employee ($millions) | 6.3914% | 2,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0703% | 3,277 |
| Loan loss allowance to noncurrent loans | 238.6989% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 0.2761% | 1,926 |
| Noncurrent loans to loans | 0.4484% | 1,776 |
| Net loans and leases to total assets | 60.9134% | 2,228 |
| Net loans and leases to deposits | 70.9745% | 2,113 |
| Net loans and leases to core deposits | 73.6853% | 2,198 |
| Total domestic deposits to total assets | 85.8244% | 3,293 |
| Equity capital to assets | 8.8146% | 2,524 |
| Core capital (leverage) ratio | 11.2569% | 1,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2762% | 952 |
| Memoranda: |
| Average total assets | $1,077,483,333 | 916 |
| Average earning assets | $1,025,644,333 | 898 |
| Average equity | $103,945,333 | 942 |
| Average total loans | $642,424,333 | 966 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7459% | 3,848 |
| Cost of funding earning assets | 0.2463% | 2,200 |
| Net interest margin | 2.4997% | 3,908 |
| Noninterest income to average assets | 0.4323% | 2,484 |
| Noninterest expense to average assets | 2.2789% | 2,581 |
| Loan and lease loss provision to assets | 0.0056% | 2,207 |
| Net operating income to assets | 0.4435% | 3,864 |
| Return on assets (ROA) | 0.3494% | 4,021 |
| Pretax return on assets | 0.4189% | 4,004 |
| Return on Equity (ROE) | 3.4714% | 4,004 |
| Retained earnings to average equity (ytd only) | 3.4714% | 3,129 |
| Net charge-offs to loans | -0.0412% | 4,194 |
| Credit loss provision to net charge-offs | -23.0769% | 2,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9053% | 1,081 |
| Assets per employee ($millions) | 6.5757% | 2,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0951% | 3,343 |
| Loan loss allowance to noncurrent loans | 231.1646% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.2850% | 1,980 |
| Noncurrent loans to loans | 0.4737% | 1,839 |
| Net loans and leases to total assets | 59.5121% | 2,113 |
| Net loans and leases to deposits | 69.2144% | 2,036 |
| Net loans and leases to core deposits | 72.1083% | 2,095 |
| Total domestic deposits to total assets | 85.9822% | 3,263 |
| Equity capital to assets | 9.4258% | 2,342 |
| Core capital (leverage) ratio | 11.4189% | 1,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7620% | 931 |
| Memoranda: |
| Average total assets | $1,076,149,500 | 920 |
| Average earning assets | $1,026,541,500 | 904 |
| Average equity | $108,312,500 | 942 |
| Average total loans | $631,099,000 | 974 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9457% | 3,974 |
| Cost of funding earning assets | 0.4152% | 1,436 |
| Net interest margin | 2.5305% | 4,150 |
| Noninterest income to average assets | 0.5289% | 2,450 |
| Noninterest expense to average assets | 2.3631% | 2,610 |
| Loan and lease loss provision to assets | 0.0050% | 2,979 |
| Net operating income to assets | 0.5279% | 4,021 |
| Return on assets (ROA) | 0.6839% | 3,718 |
| Pretax return on assets | 0.7558% | 3,826 |
| Return on Equity (ROE) | 6.4669% | 3,654 |
| Retained earnings to average equity (ytd only) | 6.4669% | 2,148 |
| Net charge-offs to loans | -0.0185% | 3,945 |
| Credit loss provision to net charge-offs | -46.0870% | 3,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0901% | 798 |
| Assets per employee ($millions) | 6.5084% | 2,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1456% | 3,143 |
| Loan loss allowance to noncurrent loans | 226.1345% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.2893% | 2,085 |
| Noncurrent loans to loans | 0.5066% | 1,855 |
| Net loans and leases to total assets | 56.4566% | 2,548 |
| Net loans and leases to deposits | 65.9648% | 2,521 |
| Net loans and leases to core deposits | 68.5786% | 2,598 |
| Total domestic deposits to total assets | 85.5860% | 3,056 |
| Equity capital to assets | 10.7066% | 2,007 |
| Core capital (leverage) ratio | 11.2668% | 1,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8542% | 779 |
| Memoranda: |
| Average total assets | $1,052,855,000 | 926 |
| Average earning assets | $1,007,531,400 | 903 |
| Average equity | $111,350,800 | 932 |
| Average total loans | $622,819,400 | 969 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9776% | 4,047 |
| Cost of funding earning assets | 0.4285% | 1,492 |
| Net interest margin | 2.5490% | 4,206 |
| Noninterest income to average assets | 0.5351% | 2,476 |
| Noninterest expense to average assets | 2.2805% | 2,805 |
| Loan and lease loss provision to assets | 0.0049% | 2,878 |
| Net operating income to assets | 0.6015% | 4,005 |
| Return on assets (ROA) | 0.7346% | 3,751 |
| Pretax return on assets | 0.8420% | 3,813 |
| Return on Equity (ROE) | 6.9680% | 3,672 |
| Retained earnings to average equity (ytd only) | 6.9680% | 2,433 |
| Net charge-offs to loans | -0.0243% | 4,053 |
| Credit loss provision to net charge-offs | -33.3333% | 3,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6709% | 989 |
| Assets per employee ($millions) | 6.5850% | 2,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1275% | 3,305 |
| Loan loss allowance to noncurrent loans | 222.6421% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.2898% | 2,323 |
| Noncurrent loans to loans | 0.5064% | 2,042 |
| Net loans and leases to total assets | 56.5871% | 2,660 |
| Net loans and leases to deposits | 67.0733% | 2,532 |
| Net loans and leases to core deposits | 69.8020% | 2,617 |
| Total domestic deposits to total assets | 84.3660% | 3,348 |
| Equity capital to assets | 10.3031% | 2,610 |
| Core capital (leverage) ratio | 11.1780% | 1,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2592% | 918 |
| Memoranda: |
| Average total assets | $1,047,598,000 | 938 |
| Average earning assets | $1,002,498,250 | 908 |
| Average equity | $110,444,500 | 955 |
| Average total loans | $625,198,250 | 987 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0301% | 3,988 |
| Cost of funding earning assets | 0.4504% | 1,517 |
| Net interest margin | 2.5798% | 4,197 |
| Noninterest income to average assets | 0.5834% | 2,284 |
| Noninterest expense to average assets | 2.2592% | 2,886 |
| Loan and lease loss provision to assets | 0.0039% | 2,804 |
| Net operating income to assets | 0.6893% | 3,785 |
| Return on assets (ROA) | 0.8987% | 3,309 |
| Pretax return on assets | 1.0253% | 3,386 |
| Return on Equity (ROE) | 8.4570% | 3,269 |
| Retained earnings to average equity (ytd only) | 8.4570% | 1,912 |
| Net charge-offs to loans | -0.0374% | 4,246 |
| Credit loss provision to net charge-offs | -17.0940% | 2,916 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0621% | 1,239 |
| Assets per employee ($millions) | 6.3276% | 2,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1284% | 3,299 |
| Loan loss allowance to noncurrent loans | 222.4873% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 0.2940% | 2,451 |
| Noncurrent loans to loans | 0.5072% | 2,157 |
| Net loans and leases to total assets | 57.3142% | 2,747 |
| Net loans and leases to deposits | 68.8482% | 2,533 |
| Net loans and leases to core deposits | 71.8879% | 2,615 |
| Total domestic deposits to total assets | 83.2471% | 3,654 |
| Equity capital to assets | 10.4607% | 2,425 |
| Core capital (leverage) ratio | 11.3371% | 1,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8254% | 834 |
| Memoranda: |
| Average total assets | $1,034,624,000 | 943 |
| Average earning assets | $989,396,000 | 916 |
| Average equity | $109,944,333 | 946 |
| Average total loans | $626,317,333 | 985 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1308% | 3,826 |
| Cost of funding earning assets | 0.4732% | 1,571 |
| Net interest margin | 2.6576% | 4,045 |
| Noninterest income to average assets | 0.4553% | 2,810 |
| Noninterest expense to average assets | 2.2213% | 3,042 |
| Loan and lease loss provision to assets | 0.0028% | 2,712 |
| Net operating income to assets | 0.6113% | 3,908 |
| Return on assets (ROA) | 0.7868% | 3,531 |
| Pretax return on assets | 0.9881% | 3,406 |
| Return on Equity (ROE) | 7.3441% | 3,514 |
| Retained earnings to average equity (ytd only) | 7.3441% | 2,466 |
| Net charge-offs to loans | -0.0788% | 4,561 |
| Credit loss provision to net charge-offs | -5.6452% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2215% | 1,294 |
| Assets per employee ($millions) | 6.3407% | 2,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0866% | 3,502 |
| Loan loss allowance to noncurrent loans | 217.2157% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.3238% | 2,522 |
| Noncurrent loans to loans | 0.5003% | 2,356 |
| Net loans and leases to total assets | 60.8178% | 2,427 |
| Net loans and leases to deposits | 73.0262% | 2,212 |
| Net loans and leases to core deposits | 76.5256% | 2,306 |
| Total domestic deposits to total assets | 83.2821% | 3,619 |
| Equity capital to assets | 10.3519% | 2,391 |
| Core capital (leverage) ratio | 11.5608% | 1,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6456% | 830 |
| Memoranda: |
| Average total assets | $1,017,255,000 | 940 |
| Average earning assets | $971,257,500 | 918 |
| Average equity | $108,985,000 | 940 |
| Average total loans | $629,530,500 | 976 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5638% | 3,892 |
| Cost of funding earning assets | 0.7070% | 1,684 |
| Net interest margin | 2.8568% | 4,180 |
| Noninterest income to average assets | 0.5815% | 2,295 |
| Noninterest expense to average assets | 2.4701% | 2,939 |
| Loan and lease loss provision to assets | 0.0249% | 4,083 |
| Net operating income to assets | 0.6497% | 3,596 |
| Return on assets (ROA) | 0.6660% | 3,664 |
| Pretax return on assets | 0.8257% | 3,564 |
| Return on Equity (ROE) | 5.9285% | 3,605 |
| Retained earnings to average equity (ytd only) | 5.9285% | 1,826 |
| Net charge-offs to loans | 0.0028% | 3,283 |
| Credit loss provision to net charge-offs | 1,311.1111% | 636 |
| Earnings coverage of net charge-offs (x) | 438.3333% | 257 |
| Efficiency ratio | 74.8374% | 1,351 |
| Assets per employee ($millions) | 6.2157% | 2,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1137% | 3,395 |
| Loan loss allowance to noncurrent loans | 147.2938% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.4883% | 2,097 |
| Noncurrent loans to loans | 0.7561% | 1,814 |
| Net loans and leases to total assets | 61.6140% | 2,653 |
| Net loans and leases to deposits | 75.2592% | 2,353 |
| Net loans and leases to core deposits | 79.4348% | 2,411 |
| Total domestic deposits to total assets | 81.8692% | 3,689 |
| Equity capital to assets | 11.0965% | 2,174 |
| Core capital (leverage) ratio | 11.7122% | 1,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6070% | 703 |
| Memoranda: |
| Average total assets | $950,006,400 | 926 |
| Average earning assets | $904,241,400 | 894 |
| Average equity | $106,721,800 | 915 |
| Average total loans | $651,081,400 | 916 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5911% | 4,031 |
| Cost of funding earning assets | 0.7582% | 1,688 |
| Net interest margin | 2.8329% | 4,286 |
| Noninterest income to average assets | 0.5361% | 2,443 |
| Noninterest expense to average assets | 2.3410% | 3,312 |
| Loan and lease loss provision to assets | 0.0310% | 3,944 |
| Net operating income to assets | 0.6932% | 3,480 |
| Return on assets (ROA) | 0.6766% | 3,648 |
| Pretax return on assets | 0.8387% | 3,547 |
| Return on Equity (ROE) | 6.0032% | 3,549 |
| Retained earnings to average equity (ytd only) | 6.0032% | 2,106 |
| Net charge-offs to loans | -0.0408% | 4,620 |
| Credit loss provision to net charge-offs | -108.4158% | 3,587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4465% | 1,587 |
| Assets per employee ($millions) | 6.5461% | 1,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0657% | 3,383 |
| Loan loss allowance to noncurrent loans | 138.6413% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.5152% | 2,147 |
| Noncurrent loans to loans | 0.7687% | 1,892 |
| Net loans and leases to total assets | 66.3156% | 2,481 |
| Net loans and leases to deposits | 81.0462% | 2,194 |
| Net loans and leases to core deposits | 85.9225% | 2,308 |
| Total domestic deposits to total assets | 81.8245% | 3,468 |
| Equity capital to assets | 11.0143% | 2,387 |
| Core capital (leverage) ratio | 11.6658% | 1,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2295% | 763 |
| Memoranda: |
| Average total assets | $940,433,250 | 921 |
| Average earning assets | $894,749,250 | 894 |
| Average equity | $105,985,500 | 916 |
| Average total loans | $659,904,500 | 904 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7174% | 4,047 |
| Cost of funding earning assets | 0.8223% | 1,719 |
| Net interest margin | 2.8952% | 4,314 |
| Noninterest income to average assets | 0.5179% | 2,499 |
| Noninterest expense to average assets | 2.3303% | 3,450 |
| Loan and lease loss provision to assets | 0.0461% | 3,721 |
| Net operating income to assets | 0.7236% | 3,306 |
| Return on assets (ROA) | 0.6597% | 3,643 |
| Pretax return on assets | 0.8126% | 3,548 |
| Return on Equity (ROE) | 5.8063% | 3,578 |
| Retained earnings to average equity (ytd only) | 5.8063% | 2,153 |
| Net charge-offs to loans | -0.0476% | 4,670 |
| Credit loss provision to net charge-offs | -135.6688% | 3,429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3075% | 1,784 |
| Assets per employee ($millions) | 6.1944% | 2,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0302% | 3,407 |
| Loan loss allowance to noncurrent loans | 135.4851% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 0.5389% | 2,200 |
| Noncurrent loans to loans | 0.7604% | 1,980 |
| Net loans and leases to total assets | 70.1392% | 2,007 |
| Net loans and leases to deposits | 86.7839% | 1,683 |
| Net loans and leases to core deposits | 91.9763% | 1,905 |
| Total domestic deposits to total assets | 80.8205% | 3,652 |
| Equity capital to assets | 11.2028% | 2,180 |
| Core capital (leverage) ratio | 11.7882% | 1,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8897% | 783 |
| Memoranda: |
| Average total assets | $924,425,667 | 921 |
| Average earning assets | $878,077,000 | 888 |
| Average equity | $105,023,333 | 916 |
| Average total loans | $659,018,667 | 898 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8798% | 4,078 |
| Cost of funding earning assets | 0.8952% | 1,897 |
| Net interest margin | 2.9846% | 4,307 |
| Noninterest income to average assets | 0.4889% | 2,608 |
| Noninterest expense to average assets | 2.5154% | 3,230 |
| Loan and lease loss provision to assets | 0.0900% | 2,559 |
| Net operating income to assets | 0.5973% | 3,603 |
| Return on assets (ROA) | 0.3393% | 4,296 |
| Pretax return on assets | 0.4037% | 4,288 |
| Return on Equity (ROE) | 2.9647% | 4,224 |
| Retained earnings to average equity (ytd only) | 2.9647% | 3,096 |
| Net charge-offs to loans | 0.0080% | 2,278 |
| Credit loss provision to net charge-offs | 1,569.2308% | 411 |
| Earnings coverage of net charge-offs (x) | 139.6154% | 456 |
| Efficiency ratio | 75.8515% | 1,579 |
| Assets per employee ($millions) | 5.8500% | 1,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0349% | 3,520 |
| Loan loss allowance to noncurrent loans | 131.4099% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 0.5661% | 2,298 |
| Noncurrent loans to loans | 0.7875% | 2,041 |
| Net loans and leases to total assets | 71.1365% | 2,065 |
| Net loans and leases to deposits | 90.0411% | 1,507 |
| Net loans and leases to core deposits | 97.1635% | 1,705 |
| Total domestic deposits to total assets | 79.0044% | 4,052 |
| Equity capital to assets | 11.4215% | 2,507 |
| Core capital (leverage) ratio | 12.2840% | 1,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4769% | 1,073 |
| Memoranda: |
| Average total assets | $906,571,500 | 906 |
| Average earning assets | $858,805,000 | 880 |
| Average equity | $103,754,000 | 923 |
| Average total loans | $648,308,000 | 886 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0651% | 4,117 |
| Cost of funding earning assets | 0.9605% | 1,906 |
| Net interest margin | 3.1046% | 4,355 |
| Noninterest income to average assets | 0.5057% | 2,699 |
| Noninterest expense to average assets | 2.7329% | 2,792 |
| Loan and lease loss provision to assets | 0.0465% | 3,095 |
| Net operating income to assets | 0.5430% | 4,306 |
| Return on assets (ROA) | 0.5882% | 4,254 |
| Pretax return on assets | 0.7101% | 4,189 |
| Return on Equity (ROE) | 5.0911% | 4,182 |
| Retained earnings to average equity (ytd only) | 5.0911% | 2,373 |
| Net charge-offs to loans | 0.0226% | 2,956 |
| Credit loss provision to net charge-offs | 281.8182% | 996 |
| Earnings coverage of net charge-offs (x) | 42.5664% | 1,256 |
| Efficiency ratio | 79.5567% | 976 |
| Assets per employee ($millions) | 5.6987% | 1,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0433% | 3,261 |
| Loan loss allowance to noncurrent loans | 152.5034% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.4866% | 2,463 |
| Noncurrent loans to loans | 0.6841% | 2,176 |
| Net loans and leases to total assets | 70.3919% | 2,331 |
| Net loans and leases to deposits | 88.3861% | 1,786 |
| Net loans and leases to core deposits | 95.8074% | 1,917 |
| Total domestic deposits to total assets | 79.6414% | 4,048 |
| Equity capital to assets | 11.4685% | 2,557 |
| Core capital (leverage) ratio | 12.1136% | 1,705 |
| Tier 1 risk-based capital ratio | 16.5899% | 2,192 |
| Total risk-based capital ratio | 16.5899% | 2,573 |
| Memoranda: |
| Average total assets | $866,784,400 | 910 |
| Average earning assets | $817,878,800 | 885 |
| Average equity | $100,136,200 | 903 |
| Average total loans | $631,548,600 | 874 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0787% | 4,201 |
| Cost of funding earning assets | 0.9616% | 1,931 |
| Net interest margin | 3.1171% | 4,449 |
| Noninterest income to average assets | 0.5223% | 2,591 |
| Noninterest expense to average assets | 2.6847% | 2,906 |
| Loan and lease loss provision to assets | 0.0295% | 3,312 |
| Net operating income to assets | 0.6143% | 4,257 |
| Return on assets (ROA) | 0.6803% | 4,138 |
| Pretax return on assets | 0.8251% | 4,059 |
| Return on Equity (ROE) | 5.8775% | 4,078 |
| Retained earnings to average equity (ytd only) | 5.8775% | 2,430 |
| Net charge-offs to loans | -0.0163% | 4,529 |
| Credit loss provision to net charge-offs | -246.7532% | 4,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6194% | 1,139 |
| Assets per employee ($millions) | 5.5228% | 2,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0556% | 3,249 |
| Loan loss allowance to noncurrent loans | 143.6258% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.6287% | 2,115 |
| Noncurrent loans to loans | 0.7350% | 2,125 |
| Net loans and leases to total assets | 70.9494% | 2,332 |
| Net loans and leases to deposits | 91.2168% | 1,540 |
| Net loans and leases to core deposits | 98.1808% | 1,815 |
| Total domestic deposits to total assets | 77.7810% | 4,389 |
| Equity capital to assets | 11.7220% | 2,485 |
| Core capital (leverage) ratio | 12.3121% | 1,675 |
| Tier 1 risk-based capital ratio | 17.2828% | 2,002 |
| Total risk-based capital ratio | 17.2828% | 2,358 |
| Memoranda: |
| Average total assets | $859,806,250 | 912 |
| Average earning assets | $810,002,500 | 892 |
| Average equity | $99,518,250 | 905 |
| Average total loans | $630,327,250 | 877 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1010% | 4,159 |
| Cost of funding earning assets | 0.9328% | 1,992 |
| Net interest margin | 3.1682% | 4,420 |
| Noninterest income to average assets | 0.5056% | 2,643 |
| Noninterest expense to average assets | 2.7174% | 2,852 |
| Loan and lease loss provision to assets | 0.0422% | 2,975 |
| Net operating income to assets | 0.5988% | 4,306 |
| Return on assets (ROA) | 0.6939% | 4,085 |
| Pretax return on assets | 0.8418% | 3,993 |
| Return on Equity (ROE) | 6.0216% | 4,040 |
| Retained earnings to average equity (ytd only) | 6.0216% | 2,275 |
| Net charge-offs to loans | -0.0232% | 4,598 |
| Credit loss provision to net charge-offs | -246.5753% | 4,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9660% | 1,158 |
| Assets per employee ($millions) | 5.2214% | 2,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0364% | 3,411 |
| Loan loss allowance to noncurrent loans | 140.0549% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 0.6582% | 2,069 |
| Noncurrent loans to loans | 0.7400% | 2,139 |
| Net loans and leases to total assets | 73.9634% | 1,899 |
| Net loans and leases to deposits | 96.4689% | 986 |
| Net loans and leases to core deposits | 103.8573% | 1,395 |
| Total domestic deposits to total assets | 76.6707% | 4,599 |
| Equity capital to assets | 11.8104% | 2,332 |
| Core capital (leverage) ratio | 12.5569% | 1,508 |
| Tier 1 risk-based capital ratio | 16.7004% | 2,177 |
| Total risk-based capital ratio | 16.7004% | 2,566 |
| Memoranda: |
| Average total assets | $853,697,330 | 911 |
| Average earning assets | $802,919,330 | 898 |
| Average equity | $98,379,330 | 907 |
| Average total loans | $630,544,000 | 876 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0628% | 4,231 |
| Cost of funding earning assets | 0.9388% | 1,843 |
| Net interest margin | 3.1239% | 4,545 |
| Noninterest income to average assets | 0.4665% | 2,759 |
| Noninterest expense to average assets | 2.7302% | 2,809 |
| Loan and lease loss provision to assets | 0.0206% | 3,171 |
| Net operating income to assets | 0.5355% | 4,423 |
| Return on assets (ROA) | 0.6814% | 4,035 |
| Pretax return on assets | 0.8259% | 3,980 |
| Return on Equity (ROE) | 5.9875% | 4,019 |
| Retained earnings to average equity (ytd only) | 5.9875% | 2,458 |
| Net charge-offs to loans | -0.0345% | 4,695 |
| Credit loss provision to net charge-offs | -81.4815% | 3,529 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3258% | 1,027 |
| Assets per employee ($millions) | 5.2503% | 2,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0300% | 3,522 |
| Loan loss allowance to noncurrent loans | 133.3676% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 0.7221% | 1,942 |
| Noncurrent loans to loans | 0.7723% | 2,101 |
| Net loans and leases to total assets | 73.1914% | 1,946 |
| Net loans and leases to deposits | 93.2573% | 1,249 |
| Net loans and leases to core deposits | 100.3904% | 1,587 |
| Total domestic deposits to total assets | 78.4833% | 4,438 |
| Equity capital to assets | 11.5561% | 2,349 |
| Core capital (leverage) ratio | 12.2304% | 1,642 |
| Tier 1 risk-based capital ratio | 16.6657% | 2,207 |
| Total risk-based capital ratio | 16.6657% | 2,606 |
| Memoranda: |
| Average total assets | $852,388,500 | 919 |
| Average earning assets | $800,145,000 | 900 |
| Average equity | $97,002,000 | 912 |
| Average total loans | $625,819,500 | 885 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9141% | 4,243 |
| Cost of funding earning assets | 0.8433% | 1,336 |
| Net interest margin | 3.0707% | 4,691 |
| Noninterest income to average assets | 0.5200% | 2,718 |
| Noninterest expense to average assets | 2.7909% | 2,725 |
| Loan and lease loss provision to assets | 0.1164% | 1,892 |
| Net operating income to assets | 0.4029% | 4,858 |
| Return on assets (ROA) | 1.0481% | 2,795 |
| Pretax return on assets | 1.2769% | 2,593 |
| Return on Equity (ROE) | 9.4514% | 2,766 |
| Retained earnings to average equity (ytd only) | 9.4514% | 747 |
| Net charge-offs to loans | 0.0705% | 2,107 |
| Credit loss provision to net charge-offs | 228.1030% | 1,293 |
| Earnings coverage of net charge-offs (x) | 11.8829% | 2,593 |
| Efficiency ratio | 82.1054% | 796 |
| Assets per employee ($millions) | 5.2407% | 2,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0247% | 3,528 |
| Loan loss allowance to noncurrent loans | 125.1717% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 0.7409% | 1,877 |
| Noncurrent loans to loans | 0.8186% | 1,972 |
| Net loans and leases to total assets | 72.1414% | 2,235 |
| Net loans and leases to deposits | 93.1974% | 1,375 |
| Net loans and leases to core deposits | 100.5873% | 1,675 |
| Total domestic deposits to total assets | 77.4070% | 4,576 |
| Equity capital to assets | 11.2047% | 2,508 |
| Core capital (leverage) ratio | 11.9583% | 1,766 |
| Tier 1 risk-based capital ratio | 16.7337% | 2,157 |
| Total risk-based capital ratio | 16.7337% | 2,551 |
| Memoranda: |
| Average total assets | $836,567,800 | 911 |
| Average earning assets | $783,917,000 | 896 |
| Average equity | $92,769,200 | 908 |
| Average total loans | $605,373,600 | 889 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8765% | 4,265 |
| Cost of funding earning assets | 0.8149% | 1,263 |
| Net interest margin | 3.0616% | 4,767 |
| Noninterest income to average assets | 0.5174% | 2,756 |
| Noninterest expense to average assets | 2.7719% | 2,738 |
| Loan and lease loss provision to assets | 0.1005% | 1,990 |
| Net operating income to assets | 0.4295% | 4,898 |
| Return on assets (ROA) | 0.7375% | 4,128 |
| Pretax return on assets | 0.8844% | 4,074 |
| Return on Equity (ROE) | 6.6685% | 4,046 |
| Retained earnings to average equity (ytd only) | 6.6685% | 2,295 |
| Net charge-offs to loans | 0.0526% | 2,073 |
| Credit loss provision to net charge-offs | 264.5570% | 1,129 |
| Earnings coverage of net charge-offs (x) | 16.1647% | 2,180 |
| Efficiency ratio | 81.8134% | 790 |
| Assets per employee ($millions) | 5.1148% | 2,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0010% | 3,752 |
| Loan loss allowance to noncurrent loans | 121.5388% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 0.8072% | 1,827 |
| Noncurrent loans to loans | 0.8236% | 2,056 |
| Net loans and leases to total assets | 72.4982% | 2,253 |
| Net loans and leases to deposits | 94.8439% | 1,283 |
| Net loans and leases to core deposits | 103.4458% | 1,494 |
| Total domestic deposits to total assets | 76.4395% | 4,736 |
| Equity capital to assets | 11.0967% | 2,580 |
| Core capital (leverage) ratio | 11.7523% | 1,963 |
| Tier 1 risk-based capital ratio | 13.7882% | 3,469 |
| Total risk-based capital ratio | 13.8082% | 4,064 |
| Memoranda: |
| Average total assets | $832,151,250 | 914 |
| Average earning assets | $779,609,000 | 899 |
| Average equity | $92,033,000 | 912 |
| Average total loans | $601,058,000 | 888 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8076% | 4,330 |
| Cost of funding earning assets | 0.7766% | 1,246 |
| Net interest margin | 3.0310% | 4,836 |
| Noninterest income to average assets | 0.5147% | 2,778 |
| Noninterest expense to average assets | 2.7695% | 2,764 |
| Loan and lease loss provision to assets | 0.1091% | 1,799 |
| Net operating income to assets | 0.3900% | 4,977 |
| Return on assets (ROA) | 0.7867% | 3,901 |
| Pretax return on assets | 0.9510% | 3,803 |
| Return on Equity (ROE) | 7.1212% | 3,863 |
| Retained earnings to average equity (ytd only) | 7.1212% | 2,016 |
| Net charge-offs to loans | 0.0666% | 1,669 |
| Credit loss provision to net charge-offs | 227.7778% | 1,201 |
| Earnings coverage of net charge-offs (x) | 12.1515% | 2,221 |
| Efficiency ratio | 82.5572% | 796 |
| Assets per employee ($millions) | 5.2009% | 2,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0043% | 3,814 |
| Loan loss allowance to noncurrent loans | 116.9485% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 1.0403% | 1,443 |
| Noncurrent loans to loans | 0.8587% | 2,007 |
| Net loans and leases to total assets | 72.0924% | 2,257 |
| Net loans and leases to deposits | 96.4988% | 1,096 |
| Net loans and leases to core deposits | 103.3880% | 1,444 |
| Total domestic deposits to total assets | 74.7081% | 4,979 |
| Equity capital to assets | 11.0265% | 2,615 |
| Core capital (leverage) ratio | 11.7825% | 1,850 |
| Tier 1 risk-based capital ratio | 13.6208% | 3,551 |
| Total risk-based capital ratio | 13.6208% | 4,151 |
| Memoranda: |
| Average total assets | $826,515,670 | 926 |
| Average earning assets | $773,617,330 | 909 |
| Average equity | $91,305,000 | 917 |
| Average total loans | $594,152,000 | 899 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8012% | 4,216 |
| Cost of funding earning assets | 0.7562% | 1,160 |
| Net interest margin | 3.0450% | 4,808 |
| Noninterest income to average assets | 0.5021% | 2,786 |
| Noninterest expense to average assets | 2.7879% | 2,738 |
| Loan and lease loss provision to assets | 0.0928% | 1,964 |
| Net operating income to assets | 0.3820% | 4,962 |
| Return on assets (ROA) | 1.1334% | 2,291 |
| Pretax return on assets | 1.3889% | 2,051 |
| Return on Equity (ROE) | 10.2504% | 2,300 |
| Retained earnings to average equity (ytd only) | 10.2504% | 1,084 |
| Net charge-offs to loans | 0.0680% | 1,430 |
| Credit loss provision to net charge-offs | 191.0000% | 1,076 |
| Earnings coverage of net charge-offs (x) | 11.6400% | 1,836 |
| Efficiency ratio | 83.0702% | 857 |
| Assets per employee ($millions) | 5.1121% | 2,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9990% | 3,969 |
| Loan loss allowance to noncurrent loans | 103.9467% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 1.0637% | 1,467 |
| Noncurrent loans to loans | 0.9610% | 1,899 |
| Net loans and leases to total assets | 71.8018% | 2,200 |
| Net loans and leases to deposits | 94.8123% | 1,158 |
| Net loans and leases to core deposits | 101.1636% | 1,600 |
| Total domestic deposits to total assets | 75.7305% | 4,990 |
| Equity capital to assets | 11.0645% | 2,520 |
| Core capital (leverage) ratio | 11.5761% | 1,955 |
| Tier 1 risk-based capital ratio | 13.5320% | 3,641 |
| Total risk-based capital ratio | 13.5320% | 4,284 |
| Memoranda: |
| Average total assets | $823,700,000 | 932 |
| Average earning assets | $771,232,000 | 918 |
| Average equity | $91,079,000 | 927 |
| Average total loans | $588,227,500 | 909 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7070% | 4,317 |
| Cost of funding earning assets | 0.7650% | 762 |
| Net interest margin | 2.9420% | 4,984 |
| Noninterest income to average assets | 0.5024% | 2,982 |
| Noninterest expense to average assets | 2.8245% | 2,694 |
| Loan and lease loss provision to assets | 0.0640% | 2,947 |
| Net operating income to assets | 0.1890% | 5,132 |
| Return on assets (ROA) | 0.3293% | 4,895 |
| Pretax return on assets | 0.5780% | 4,788 |
| Return on Equity (ROE) | 3.0401% | 4,818 |
| Retained earnings to average equity (ytd only) | 3.0401% | 3,485 |
| Net charge-offs to loans | 0.0992% | 2,084 |
| Credit loss provision to net charge-offs | 92.4162% | 2,738 |
| Earnings coverage of net charge-offs (x) | 6.1093% | 3,228 |
| Efficiency ratio | 86.9052% | 588 |
| Assets per employee ($millions) | 5.1842% | 2,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0003% | 3,947 |
| Loan loss allowance to noncurrent loans | 90.5198% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 1.0222% | 1,497 |
| Noncurrent loans to loans | 1.1050% | 1,603 |
| Net loans and leases to total assets | 69.6115% | 2,584 |
| Net loans and leases to deposits | 94.1402% | 1,255 |
| Net loans and leases to core deposits | 100.1947% | 1,697 |
| Total domestic deposits to total assets | 73.9445% | 5,185 |
| Equity capital to assets | 11.0502% | 2,580 |
| Core capital (leverage) ratio | 11.3792% | 2,034 |
| Tier 1 risk-based capital ratio | 13.2080% | 3,787 |
| Total risk-based capital ratio | 13.2080% | 4,444 |
| Memoranda: |
| Average total assets | $819,326,400 | 912 |
| Average earning assets | $764,439,400 | 898 |
| Average equity | $88,747,600 | 911 |
| Average total loans | $571,493,400 | 905 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6853% | 4,365 |
| Cost of funding earning assets | 0.7717% | 681 |
| Net interest margin | 2.9136% | 5,070 |
| Noninterest income to average assets | 0.4762% | 3,175 |
| Noninterest expense to average assets | 2.8346% | 2,618 |
| Loan and lease loss provision to assets | 0.0553% | 2,984 |
| Net operating income to assets | 0.2271% | 5,326 |
| Return on assets (ROA) | 0.4074% | 5,018 |
| Pretax return on assets | 0.5392% | 4,952 |
| Return on Equity (ROE) | 3.7809% | 4,924 |
| Retained earnings to average equity (ytd only) | 3.7809% | 3,674 |
| Net charge-offs to loans | 0.1013% | 1,765 |
| Credit loss provision to net charge-offs | 78.4722% | 2,607 |
| Earnings coverage of net charge-offs (x) | 5.0648% | 3,155 |
| Efficiency ratio | 88.7332% | 463 |
| Assets per employee ($millions) | 4.9819% | 2,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9946% | 4,095 |
| Loan loss allowance to noncurrent loans | 91.7950% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 1.0551% | 1,594 |
| Noncurrent loans to loans | 1.0835% | 1,775 |
| Net loans and leases to total assets | 70.0449% | 2,550 |
| Net loans and leases to deposits | 92.4344% | 1,505 |
| Net loans and leases to core deposits | 97.2856% | 1,948 |
| Total domestic deposits to total assets | 75.7780% | 5,045 |
| Equity capital to assets | 11.0189% | 2,846 |
| Core capital (leverage) ratio | 11.3244% | 2,165 |
| Tier 1 risk-based capital ratio | 13.0487% | 3,976 |
| Total risk-based capital ratio | 13.0487% | 4,636 |
| Memoranda: |
| Average total assets | $816,790,750 | 916 |
| Average earning assets | $761,273,250 | 911 |
| Average equity | $88,020,000 | 925 |
| Average total loans | $568,556,750 | 901 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6678% | 4,322 |
| Cost of funding earning assets | 0.7811% | 575 |
| Net interest margin | 2.8867% | 5,123 |
| Noninterest income to average assets | 0.5050% | 2,996 |
| Noninterest expense to average assets | 2.8445% | 2,602 |
| Loan and lease loss provision to assets | 0.0783% | 2,417 |
| Net operating income to assets | 0.1976% | 5,398 |
| Return on assets (ROA) | 0.4557% | 4,862 |
| Pretax return on assets | 0.6179% | 4,768 |
| Return on Equity (ROE) | 4.2607% | 4,749 |
| Retained earnings to average equity (ytd only) | 4.2607% | 3,176 |
| Net charge-offs to loans | 0.1521% | 1,242 |
| Credit loss provision to net charge-offs | 74.3590% | 2,330 |
| Earnings coverage of net charge-offs (x) | 3.3007% | 3,064 |
| Efficiency ratio | 89.0375% | 502 |
| Assets per employee ($millions) | 4.8609% | 2,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0320% | 3,948 |
| Loan loss allowance to noncurrent loans | 60.9426% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 1.5722% | 951 |
| Noncurrent loans to loans | 1.6934% | 1,074 |
| Net loans and leases to total assets | 68.5414% | 2,735 |
| Net loans and leases to deposits | 90.9678% | 1,613 |
| Net loans and leases to core deposits | 95.6628% | 2,007 |
| Total domestic deposits to total assets | 75.3469% | 5,164 |
| Equity capital to assets | 11.0300% | 2,777 |
| Core capital (leverage) ratio | 11.3325% | 2,099 |
| Tier 1 risk-based capital ratio | 13.1945% | 3,885 |
| Total risk-based capital ratio | 13.1945% | 4,564 |
| Memoranda: |
| Average total assets | $815,051,670 | 926 |
| Average earning assets | $758,653,000 | 918 |
| Average equity | $87,168,000 | 939 |
| Average total loans | $564,222,670 | 909 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5622% | 4,513 |
| Cost of funding earning assets | 0.7917% | 513 |
| Net interest margin | 2.7705% | 5,302 |
| Noninterest income to average assets | 0.4795% | 3,120 |
| Noninterest expense to average assets | 3.0276% | 2,086 |
| Loan and lease loss provision to assets | 0.1514% | 1,221 |
| Net operating income to assets | -0.0957% | 5,647 |
| Return on assets (ROA) | 0.3233% | 5,166 |
| Pretax return on assets | 0.4146% | 5,138 |
| Return on Equity (ROE) | 3.0701% | 5,079 |
| Retained earnings to average equity (ytd only) | 3.0701% | 3,878 |
| Net charge-offs to loans | 0.3034% | 613 |
| Credit loss provision to net charge-offs | 72.0930% | 1,820 |
| Earnings coverage of net charge-offs (x) | 0.1372% | 2,843 |
| Efficiency ratio | 98.9775% | 240 |
| Assets per employee ($millions) | 5.0556% | 2,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0170% | 4,180 |
| Loan loss allowance to noncurrent loans | 46.8016% | 4,715 |
| Noncurrent assets plus other real estate owned to assets | 1.8278% | 767 |
| Noncurrent loans to loans | 2.1731% | 784 |
| Net loans and leases to total assets | 68.8489% | 2,555 |
| Net loans and leases to deposits | 91.0572% | 1,423 |
| Net loans and leases to core deposits | 96.1668% | 1,809 |
| Total domestic deposits to total assets | 75.6106% | 5,271 |
| Equity capital to assets | 10.6581% | 3,003 |
| Core capital (leverage) ratio | 11.0464% | 2,313 |
| Tier 1 risk-based capital ratio | 12.9021% | 4,143 |
| Total risk-based capital ratio | 12.9021% | 4,841 |
| Memoranda: |
| Average total assets | $819,123,500 | 923 |
| Average earning assets | $761,894,500 | 916 |
| Average equity | $86,251,000 | 943 |
| Average total loans | $566,917,500 | 910 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9289% | 3,460 |
| Cost of funding earning assets | 0.9301% | 249 |
| Net interest margin | 2.9988% | 4,964 |
| Noninterest income to average assets | 0.5475% | 2,928 |
| Noninterest expense to average assets | 3.0646% | 2,129 |
| Loan and lease loss provision to assets | 0.1383% | 1,804 |
| Net operating income to assets | 0.1090% | 5,550 |
| Return on assets (ROA) | 0.4360% | 4,926 |
| Pretax return on assets | 0.5136% | 4,995 |
| Return on Equity (ROE) | 4.1411% | 4,785 |
| Retained earnings to average equity (ytd only) | 4.1411% | 2,959 |
| Net charge-offs to loans | 0.2547% | 1,084 |
| Credit loss provision to net charge-offs | 76.8963% | 3,028 |
| Earnings coverage of net charge-offs (x) | 1.4857% | 3,980 |
| Efficiency ratio | 91.9073% | 461 |
| Assets per employee ($millions) | 5.0262% | 2,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0354% | 4,107 |
| Loan loss allowance to noncurrent loans | 44.8531% | 4,786 |
| Noncurrent assets plus other real estate owned to assets | 1.7854% | 829 |
| Noncurrent loans to loans | 2.3085% | 719 |
| Net loans and leases to total assets | 68.1555% | 2,748 |
| Net loans and leases to deposits | 92.8738% | 1,315 |
| Net loans and leases to core deposits | 97.9235% | 1,769 |
| Total domestic deposits to total assets | 73.3850% | 5,483 |
| Equity capital to assets | 10.4029% | 3,268 |
| Core capital (leverage) ratio | 11.2164% | 2,159 |
| Tier 1 risk-based capital ratio | 13.4814% | 3,780 |
| Total risk-based capital ratio | 13.4814% | 4,431 |
| Memoranda: |
| Average total assets | $799,257,600 | 907 |
| Average earning assets | $742,057,400 | 899 |
| Average equity | $84,156,000 | 949 |
| Average total loans | $564,232,000 | 879 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8079% | 3,898 |
| Cost of funding earning assets | 0.9492% | 223 |
| Net interest margin | 2.8588% | 5,251 |
| Noninterest income to average assets | 0.5244% | 3,082 |
| Noninterest expense to average assets | 2.9403% | 2,497 |
| Loan and lease loss provision to assets | 0.0782% | 2,662 |
| Net operating income to assets | 0.1292% | 5,584 |
| Return on assets (ROA) | 0.2468% | 5,467 |
| Pretax return on assets | 0.3057% | 5,454 |
| Return on Equity (ROE) | 2.3368% | 5,398 |
| Retained earnings to average equity (ytd only) | 2.3368% | 4,519 |
| Net charge-offs to loans | 0.1818% | 1,289 |
| Credit loss provision to net charge-offs | 60.5469% | 2,900 |
| Earnings coverage of net charge-offs (x) | 1.8477% | 3,652 |
| Efficiency ratio | 92.4155% | 449 |
| Assets per employee ($millions) | 4.8824% | 2,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0300% | 4,245 |
| Loan loss allowance to noncurrent loans | 51.3563% | 4,698 |
| Noncurrent assets plus other real estate owned to assets | 1.4938% | 1,208 |
| Noncurrent loans to loans | 2.0056% | 977 |
| Net loans and leases to total assets | 70.0308% | 2,484 |
| Net loans and leases to deposits | 97.5517% | 897 |
| Net loans and leases to core deposits | 102.9356% | 1,420 |
| Total domestic deposits to total assets | 71.7884% | 5,604 |
| Equity capital to assets | 10.5283% | 3,534 |
| Core capital (leverage) ratio | 10.9346% | 2,527 |
| Tier 1 risk-based capital ratio | 12.8331% | 4,259 |
| Total risk-based capital ratio | 12.8331% | 4,950 |
| Memoranda: |
| Average total assets | $792,997,250 | 910 |
| Average earning assets | $736,336,000 | 900 |
| Average equity | $83,757,250 | 958 |
| Average total loans | $563,369,250 | 880 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8450% | 3,789 |
| Cost of funding earning assets | 0.9534% | 215 |
| Net interest margin | 2.8916% | 5,283 |
| Noninterest income to average assets | 0.5397% | 2,958 |
| Noninterest expense to average assets | 2.9917% | 2,378 |
| Loan and lease loss provision to assets | 0.0945% | 2,266 |
| Net operating income to assets | 0.1199% | 5,645 |
| Return on assets (ROA) | 0.2922% | 5,431 |
| Pretax return on assets | 0.3270% | 5,455 |
| Return on Equity (ROE) | 2.7633% | 5,309 |
| Retained earnings to average equity (ytd only) | 2.7633% | 4,138 |
| Net charge-offs to loans | 0.1450% | 1,457 |
| Credit loss provision to net charge-offs | 91.6256% | 2,221 |
| Earnings coverage of net charge-offs (x) | 2.2094% | 3,312 |
| Efficiency ratio | 92.8425% | 456 |
| Assets per employee ($millions) | 4.8478% | 2,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0828% | 4,038 |
| Loan loss allowance to noncurrent loans | 52.1581% | 4,752 |
| Noncurrent assets plus other real estate owned to assets | 1.6099% | 1,146 |
| Noncurrent loans to loans | 2.0760% | 946 |
| Net loans and leases to total assets | 70.9524% | 2,333 |
| Net loans and leases to deposits | 99.5635% | 728 |
| Net loans and leases to core deposits | 104.6779% | 1,270 |
| Total domestic deposits to total assets | 71.2634% | 5,714 |
| Equity capital to assets | 10.6437% | 3,479 |
| Core capital (leverage) ratio | 11.0951% | 2,331 |
| Tier 1 risk-based capital ratio | 12.7484% | 4,353 |
| Total risk-based capital ratio | 12.7484% | 5,042 |
| Memoranda: |
| Average total assets | $787,168,000 | 915 |
| Average earning assets | $729,568,000 | 908 |
| Average equity | $83,233,000 | 959 |
| Average total loans | $559,993,670 | 882 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8850% | 3,641 |
| Cost of funding earning assets | 0.9635% | 206 |
| Net interest margin | 2.9215% | 5,284 |
| Noninterest income to average assets | 0.5807% | 2,636 |
| Noninterest expense to average assets | 2.9652% | 2,501 |
| Loan and lease loss provision to assets | 0.0031% | 3,628 |
| Net operating income to assets | 0.2475% | 5,440 |
| Return on assets (ROA) | 0.4949% | 4,744 |
| Pretax return on assets | 0.6348% | 4,717 |
| Return on Equity (ROE) | 4.6960% | 4,626 |
| Retained earnings to average equity (ytd only) | 4.6960% | 3,124 |
| Net charge-offs to loans | 0.0368% | 2,248 |
| Credit loss provision to net charge-offs | 11.7647% | 2,352 |
| Earnings coverage of net charge-offs (x) | 12.3137% | 1,803 |
| Efficiency ratio | 90.1616% | 667 |
| Assets per employee ($millions) | 4.7631% | 2,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1242% | 3,923 |
| Loan loss allowance to noncurrent loans | 53.7034% | 4,740 |
| Noncurrent assets plus other real estate owned to assets | 1.5955% | 1,252 |
| Noncurrent loans to loans | 2.0933% | 1,007 |
| Net loans and leases to total assets | 69.3944% | 2,440 |
| Net loans and leases to deposits | 97.8021% | 774 |
| Net loans and leases to core deposits | 103.0085% | 1,262 |
| Total domestic deposits to total assets | 70.9539% | 5,823 |
| Equity capital to assets | 10.6741% | 3,286 |
| Core capital (leverage) ratio | 11.0892% | 2,324 |
| Tier 1 risk-based capital ratio | 13.0272% | 4,252 |
| Total risk-based capital ratio | 13.0272% | 4,969 |
| Memoranda: |
| Average total assets | $783,230,500 | 923 |
| Average earning assets | $725,251,000 | 912 |
| Average equity | $82,538,500 | 967 |
| Average total loans | $554,852,000 | 888 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9846% | 3,362 |
| Cost of funding earning assets | 0.9999% | 178 |
| Net interest margin | 2.9848% | 5,177 |
| Noninterest income to average assets | 0.5641% | 2,938 |
| Noninterest expense to average assets | 2.9046% | 2,845 |
| Loan and lease loss provision to assets | 0.2025% | 1,057 |
| Net operating income to assets | 0.1938% | 5,589 |
| Return on assets (ROA) | 0.3079% | 5,417 |
| Pretax return on assets | 0.3388% | 5,441 |
| Return on Equity (ROE) | 2.9487% | 5,319 |
| Retained earnings to average equity (ytd only) | 2.9487% | 3,965 |
| Net charge-offs to loans | 0.2224% | 1,328 |
| Credit loss provision to net charge-offs | 128.3961% | 2,036 |
| Earnings coverage of net charge-offs (x) | 2.6367% | 3,859 |
| Efficiency ratio | 87.3999% | 878 |
| Assets per employee ($millions) | 4.8476% | 2,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1060% | 4,017 |
| Loan loss allowance to noncurrent loans | 50.5371% | 4,869 |
| Noncurrent assets plus other real estate owned to assets | 1.7765% | 1,072 |
| Noncurrent loans to loans | 2.1885% | 914 |
| Net loans and leases to total assets | 70.7053% | 2,264 |
| Net loans and leases to deposits | 99.5031% | 712 |
| Net loans and leases to core deposits | 105.1658% | 1,154 |
| Total domestic deposits to total assets | 71.0584% | 5,848 |
| Equity capital to assets | 10.4030% | 3,482 |
| Core capital (leverage) ratio | 11.1736% | 2,244 |
| Tier 1 risk-based capital ratio | 12.8296% | 4,435 |
| Total risk-based capital ratio | 12.9501% | 5,053 |
| Memoranda: |
| Average total assets | $774,900,000 | 894 |
| Average earning assets | $715,602,200 | 892 |
| Average equity | $80,918,000 | 939 |
| Average total loans | $549,546,600 | 853 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0001% | 3,345 |
| Cost of funding earning assets | 1.0070% | 175 |
| Net interest margin | 2.9931% | 5,209 |
| Noninterest income to average assets | 0.5564% | 3,012 |
| Noninterest expense to average assets | 2.9359% | 2,724 |
| Loan and lease loss provision to assets | 0.1866% | 1,100 |
| Net operating income to assets | 0.1684% | 5,739 |
| Return on assets (ROA) | 0.3648% | 5,359 |
| Pretax return on assets | 0.4256% | 5,409 |
| Return on Equity (ROE) | 3.4900% | 5,220 |
| Retained earnings to average equity (ytd only) | 3.4900% | 3,983 |
| Net charge-offs to loans | 0.1871% | 1,364 |
| Credit loss provision to net charge-offs | 140.9387% | 1,763 |
| Earnings coverage of net charge-offs (x) | 2.8983% | 3,586 |
| Efficiency ratio | 88.3613% | 810 |
| Assets per employee ($millions) | 4.9330% | 2,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0968% | 4,244 |
| Loan loss allowance to noncurrent loans | 55.5496% | 4,802 |
| Noncurrent assets plus other real estate owned to assets | 1.6459% | 1,335 |
| Noncurrent loans to loans | 1.9744% | 1,178 |
| Net loans and leases to total assets | 70.5623% | 2,304 |
| Net loans and leases to deposits | 99.1932% | 711 |
| Net loans and leases to core deposits | 104.6121% | 1,191 |
| Total domestic deposits to total assets | 71.1362% | 5,920 |
| Equity capital to assets | 10.1539% | 3,992 |
| Core capital (leverage) ratio | 11.1837% | 2,319 |
| Tier 1 risk-based capital ratio | 12.5089% | 4,751 |
| Total risk-based capital ratio | 12.6180% | 5,358 |
| Memoranda: |
| Average total assets | $772,295,250 | 897 |
| Average earning assets | $712,995,250 | 895 |
| Average equity | $80,723,250 | 948 |
| Average total loans | $546,565,250 | 862 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0284% | 3,168 |
| Cost of funding earning assets | 1.0118% | 170 |
| Net interest margin | 3.0166% | 5,182 |
| Noninterest income to average assets | 0.5658% | 2,940 |
| Noninterest expense to average assets | 2.9811% | 2,612 |
| Loan and lease loss provision to assets | 0.1938% | 1,026 |
| Net operating income to assets | 0.1455% | 5,819 |
| Return on assets (ROA) | 0.3934% | 5,263 |
| Pretax return on assets | 0.4725% | 5,296 |
| Return on Equity (ROE) | 3.7273% | 5,130 |
| Retained earnings to average equity (ytd only) | 3.7273% | 3,651 |
| Net charge-offs to loans | 0.1808% | 1,374 |
| Credit loss provision to net charge-offs | 151.9427% | 1,519 |
| Earnings coverage of net charge-offs (x) | 2.8814% | 3,278 |
| Efficiency ratio | 88.9452% | 832 |
| Assets per employee ($millions) | 4.7896% | 2,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1045% | 4,298 |
| Loan loss allowance to noncurrent loans | 53.3176% | 4,899 |
| Noncurrent assets plus other real estate owned to assets | 1.8673% | 1,223 |
| Noncurrent loans to loans | 2.0715% | 1,162 |
| Net loans and leases to total assets | 71.0056% | 2,165 |
| Net loans and leases to deposits | 100.9735% | 595 |
| Net loans and leases to core deposits | 106.1891% | 1,064 |
| Total domestic deposits to total assets | 70.3210% | 6,024 |
| Equity capital to assets | 10.5146% | 3,422 |
| Core capital (leverage) ratio | 11.2909% | 2,171 |
| Tier 1 risk-based capital ratio | 12.6625% | 4,705 |
| Total risk-based capital ratio | 12.8855% | 5,299 |
| Memoranda: |
| Average total assets | $766,635,000 | 908 |
| Average earning assets | $707,226,670 | 904 |
| Average equity | $80,917,000 | 949 |
| Average total loans | $541,051,330 | 870 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0323% | 3,115 |
| Cost of funding earning assets | 1.0075% | 175 |
| Net interest margin | 3.0248% | 5,136 |
| Noninterest income to average assets | 0.5474% | 2,966 |
| Noninterest expense to average assets | 3.0895% | 2,303 |
| Loan and lease loss provision to assets | 0.1167% | 1,765 |
| Net operating income to assets | 0.1038% | 5,867 |
| Return on assets (ROA) | 0.5406% | 4,625 |
| Pretax return on assets | 0.6986% | 4,596 |
| Return on Equity (ROE) | 5.1116% | 4,471 |
| Retained earnings to average equity (ytd only) | 5.1116% | 2,991 |
| Net charge-offs to loans | 0.0957% | 1,763 |
| Credit loss provision to net charge-offs | 174.2188% | 1,148 |
| Earnings coverage of net charge-offs (x) | 3.7031% | 2,577 |
| Efficiency ratio | 92.4898% | 684 |
| Assets per employee ($millions) | 4.6262% | 2,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0929% | 4,552 |
| Loan loss allowance to noncurrent loans | 50.0378% | 5,024 |
| Noncurrent assets plus other real estate owned to assets | 1.8889% | 1,285 |
| Noncurrent loans to loans | 2.1842% | 1,161 |
| Net loans and leases to total assets | 69.7799% | 2,169 |
| Net loans and leases to deposits | 99.2734% | 602 |
| Net loans and leases to core deposits | 104.6136% | 1,027 |
| Total domestic deposits to total assets | 70.2907% | 6,113 |
| Equity capital to assets | 10.5326% | 3,499 |
| Core capital (leverage) ratio | 11.4445% | 2,042 |
| Tier 1 risk-based capital ratio | 12.7067% | 4,782 |
| Total risk-based capital ratio | 12.9280% | 5,355 |
| Memoranda: |
| Average total assets | $764,390,000 | 911 |
| Average earning assets | $705,099,000 | 910 |
| Average equity | $80,835,000 | 948 |
| Average total loans | $534,748,500 | 878 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1487% | 3,132 |
| Cost of funding earning assets | 1.1003% | 132 |
| Net interest margin | 3.0483% | 5,320 |
| Noninterest income to average assets | 0.5694% | 3,058 |
| Noninterest expense to average assets | 2.9271% | 3,057 |
| Loan and lease loss provision to assets | 0.1898% | 1,350 |
| Net operating income to assets | 0.2109% | 5,743 |
| Return on assets (ROA) | 0.4349% | 5,181 |
| Pretax return on assets | 0.5400% | 5,143 |
| Return on Equity (ROE) | 3.9965% | 5,117 |
| Retained earnings to average equity (ytd only) | 3.9965% | 3,365 |
| Net charge-offs to loans | 0.2301% | 1,825 |
| Credit loss provision to net charge-offs | 119.6324% | 2,011 |
| Earnings coverage of net charge-offs (x) | 2.8571% | 4,045 |
| Efficiency ratio | 86.5112% | 1,118 |
| Assets per employee ($millions) | 4.6110% | 2,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1178% | 4,457 |
| Loan loss allowance to noncurrent loans | 46.1975% | 5,212 |
| Noncurrent assets plus other real estate owned to assets | 2.0542% | 1,219 |
| Noncurrent loans to loans | 2.4195% | 1,068 |
| Net loans and leases to total assets | 68.5761% | 2,478 |
| Net loans and leases to deposits | 97.0317% | 829 |
| Net loans and leases to core deposits | 102.0536% | 1,243 |
| Total domestic deposits to total assets | 70.6739% | 6,162 |
| Equity capital to assets | 10.6185% | 3,339 |
| Core capital (leverage) ratio | 11.4365% | 2,030 |
| Tier 1 risk-based capital ratio | 14.9082% | 3,537 |
| Total risk-based capital ratio | 16.1627% | 3,469 |
| Memoranda: |
| Average total assets | $754,660,000 | 897 |
| Average earning assets | $695,888,800 | 884 |
| Average equity | $82,121,000 | 891 |
| Average total loans | $520,308,400 | 854 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1461% | 3,187 |
| Cost of funding earning assets | 1.1180% | 128 |
| Net interest margin | 3.0281% | 5,442 |
| Noninterest income to average assets | 0.5527% | 3,190 |
| Noninterest expense to average assets | 2.8915% | 3,153 |
| Loan and lease loss provision to assets | 0.2358% | 933 |
| Net operating income to assets | 0.1722% | 5,902 |
| Return on assets (ROA) | 0.4723% | 5,064 |
| Pretax return on assets | 0.5980% | 5,039 |
| Return on Equity (ROE) | 4.3143% | 5,034 |
| Retained earnings to average equity (ytd only) | 4.3143% | 3,583 |
| Net charge-offs to loans | 0.2562% | 1,512 |
| Credit loss provision to net charge-offs | 133.6673% | 1,739 |
| Earnings coverage of net charge-offs (x) | 2.5731% | 3,878 |
| Efficiency ratio | 86.3521% | 1,152 |
| Assets per employee ($millions) | 4.7119% | 2,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1405% | 4,557 |
| Loan loss allowance to noncurrent loans | 42.5898% | 5,372 |
| Noncurrent assets plus other real estate owned to assets | 2.2631% | 1,209 |
| Noncurrent loans to loans | 2.6779% | 1,070 |
| Net loans and leases to total assets | 67.7130% | 2,579 |
| Net loans and leases to deposits | 94.5041% | 993 |
| Net loans and leases to core deposits | 99.3192% | 1,428 |
| Total domestic deposits to total assets | 71.6508% | 6,192 |
| Equity capital to assets | 10.9806% | 2,976 |
| Core capital (leverage) ratio | 11.2336% | 2,280 |
| Tier 1 risk-based capital ratio | 14.8060% | 3,701 |
| Total risk-based capital ratio | 16.0472% | 3,642 |
| Memoranda: |
| Average total assets | $754,273,250 | 910 |
| Average earning assets | $695,646,250 | 886 |
| Average equity | $82,576,750 | 891 |
| Average total loans | $519,275,750 | 861 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1623% | 3,092 |
| Cost of funding earning assets | 1.1221% | 134 |
| Net interest margin | 3.0402% | 5,419 |
| Noninterest income to average assets | 0.5261% | 3,299 |
| Noninterest expense to average assets | 2.8845% | 3,222 |
| Loan and lease loss provision to assets | 0.2186% | 1,066 |
| Net operating income to assets | 0.1805% | 5,891 |
| Return on assets (ROA) | 0.4550% | 5,070 |
| Pretax return on assets | 0.5726% | 5,045 |
| Return on Equity (ROE) | 4.1600% | 5,079 |
| Retained earnings to average equity (ytd only) | 4.1600% | 3,523 |
| Net charge-offs to loans | 0.1841% | 1,920 |
| Credit loss provision to net charge-offs | 172.1174% | 1,325 |
| Earnings coverage of net charge-offs (x) | 3.4948% | 3,289 |
| Efficiency ratio | 86.5861% | 1,213 |
| Assets per employee ($millions) | 4.7265% | 2,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1305% | 4,763 |
| Loan loss allowance to noncurrent loans | 39.2545% | 5,527 |
| Noncurrent assets plus other real estate owned to assets | 2.4908% | 1,140 |
| Noncurrent loans to loans | 2.8800% | 1,035 |
| Net loans and leases to total assets | 68.6214% | 2,307 |
| Net loans and leases to deposits | 97.3376% | 712 |
| Net loans and leases to core deposits | 102.2221% | 1,121 |
| Total domestic deposits to total assets | 70.4983% | 6,333 |
| Equity capital to assets | 11.0753% | 2,805 |
| Core capital (leverage) ratio | 11.1650% | 2,278 |
| Tier 1 risk-based capital ratio | 14.3733% | 4,008 |
| Total risk-based capital ratio | 15.7213% | 3,889 |
| Memoranda: |
| Average total assets | $751,252,670 | 909 |
| Average earning assets | $692,451,670 | 890 |
| Average equity | $82,162,670 | 891 |
| Average total loans | $518,087,670 | 851 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1300% | 3,166 |
| Cost of funding earning assets | 1.1291% | 138 |
| Net interest margin | 3.0009% | 5,517 |
| Noninterest income to average assets | 0.4807% | 3,560 |
| Noninterest expense to average assets | 2.9046% | 3,195 |
| Loan and lease loss provision to assets | 0.2047% | 1,131 |
| Net operating income to assets | 0.1035% | 6,023 |
| Return on assets (ROA) | 0.4818% | 4,853 |
| Pretax return on assets | 0.6195% | 4,768 |
| Return on Equity (ROE) | 4.4338% | 4,825 |
| Retained earnings to average equity (ytd only) | 4.4338% | 3,464 |
| Net charge-offs to loans | 0.2846% | 1,210 |
| Credit loss provision to net charge-offs | 104.6575% | 1,597 |
| Earnings coverage of net charge-offs (x) | 1.7342% | 3,028 |
| Efficiency ratio | 89.4598% | 1,085 |
| Assets per employee ($millions) | 4.5538% | 2,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0203% | 5,442 |
| Loan loss allowance to noncurrent loans | 31.0156% | 5,832 |
| Noncurrent assets plus other real estate owned to assets | 2.6330% | 1,170 |
| Noncurrent loans to loans | 3.2898% | 928 |
| Net loans and leases to total assets | 67.6023% | 2,282 |
| Net loans and leases to deposits | 95.8094% | 669 |
| Net loans and leases to core deposits | 100.9512% | 1,040 |
| Total domestic deposits to total assets | 70.5592% | 6,427 |
| Equity capital to assets | 10.8064% | 2,931 |
| Core capital (leverage) ratio | 11.1885% | 2,235 |
| Tier 1 risk-based capital ratio | 14.4500% | 4,027 |
| Total risk-based capital ratio | 15.5606% | 4,074 |
| Memoranda: |
| Average total assets | $746,397,000 | 914 |
| Average earning assets | $687,257,500 | 899 |
| Average equity | $81,104,500 | 904 |
| Average total loans | $513,054,000 | 858 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3311% | 2,844 |
| Cost of funding earning assets | 1.2801% | 121 |
| Net interest margin | 3.0511% | 5,448 |
| Noninterest income to average assets | 0.7127% | 2,465 |
| Noninterest expense to average assets | 3.1165% | 2,684 |
| Loan and lease loss provision to assets | 0.2157% | 1,696 |
| Net operating income to assets | 0.1464% | 5,948 |
| Return on assets (ROA) | 0.4333% | 5,146 |
| Pretax return on assets | 0.5183% | 5,146 |
| Return on Equity (ROE) | 4.1648% | 5,028 |
| Retained earnings to average equity (ytd only) | 4.1648% | 3,209 |
| Net charge-offs to loans | 0.3061% | 2,156 |
| Credit loss provision to net charge-offs | 99.0584% | 2,505 |
| Earnings coverage of net charge-offs (x) | 1.8023% | 4,443 |
| Efficiency ratio | 88.7361% | 1,140 |
| Assets per employee ($millions) | 4.3861% | 3,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1037% | 5,126 |
| Loan loss allowance to noncurrent loans | 33.1273% | 5,853 |
| Noncurrent assets plus other real estate owned to assets | 2.7389% | 1,214 |
| Noncurrent loans to loans | 3.3318% | 977 |
| Net loans and leases to total assets | 68.4233% | 2,277 |
| Net loans and leases to deposits | 95.5319% | 765 |
| Net loans and leases to core deposits | 100.7469% | 1,099 |
| Total domestic deposits to total assets | 71.6235% | 6,448 |
| Equity capital to assets | 10.9274% | 2,679 |
| Core capital (leverage) ratio | 11.1147% | 2,279 |
| Tier 1 risk-based capital ratio | 14.5423% | 3,934 |
| Total risk-based capital ratio | 15.7671% | 3,876 |
| Memoranda: |
| Average total assets | $731,420,600 | 908 |
| Average earning assets | $670,357,800 | 901 |
| Average equity | $76,089,600 | 936 |
| Average total loans | $520,374,400 | 818 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3540% | 2,763 |
| Cost of funding earning assets | 1.3101% | 115 |
| Net interest margin | 3.0439% | 5,481 |
| Noninterest income to average assets | 0.7360% | 2,432 |
| Noninterest expense to average assets | 3.1441% | 2,519 |
| Loan and lease loss provision to assets | 0.2076% | 1,749 |
| Net operating income to assets | 0.1430% | 6,048 |
| Return on assets (ROA) | 0.4589% | 5,127 |
| Pretax return on assets | 0.5523% | 5,200 |
| Return on Equity (ROE) | 4.4685% | 4,990 |
| Retained earnings to average equity (ytd only) | 4.4685% | 3,491 |
| Net charge-offs to loans | 0.2083% | 2,576 |
| Credit loss provision to net charge-offs | 139.1677% | 1,681 |
| Earnings coverage of net charge-offs (x) | 2.5422% | 3,986 |
| Efficiency ratio | 89.1567% | 1,071 |
| Assets per employee ($millions) | 4.3267% | 3,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0357% | 5,577 |
| Loan loss allowance to noncurrent loans | 27.8303% | 6,062 |
| Noncurrent assets plus other real estate owned to assets | 2.9101% | 1,274 |
| Noncurrent loans to loans | 3.7214% | 994 |
| Net loans and leases to total assets | 68.4641% | 2,230 |
| Net loans and leases to deposits | 96.2809% | 672 |
| Net loans and leases to core deposits | 101.7398% | 1,012 |
| Total domestic deposits to total assets | 71.1087% | 6,544 |
| Equity capital to assets | 10.1439% | 3,710 |
| Core capital (leverage) ratio | 11.0043% | 2,475 |
| Tier 1 risk-based capital ratio | 14.2147% | 4,277 |
| Total risk-based capital ratio | 15.2989% | 4,338 |
| Memoranda: |
| Average total assets | $730,059,750 | 917 |
| Average earning assets | $668,552,000 | 906 |
| Average equity | $74,982,000 | 963 |
| Average total loans | $523,014,500 | 819 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3849% | 2,628 |
| Cost of funding earning assets | 1.3217% | 127 |
| Net interest margin | 3.0632% | 5,385 |
| Noninterest income to average assets | 0.7607% | 2,362 |
| Noninterest expense to average assets | 3.2274% | 2,283 |
| Loan and lease loss provision to assets | 0.1759% | 2,156 |
| Net operating income to assets | 0.1258% | 6,070 |
| Return on assets (ROA) | 0.5275% | 4,845 |
| Pretax return on assets | 0.6692% | 4,780 |
| Return on Equity (ROE) | 5.1141% | 4,662 |
| Retained earnings to average equity (ytd only) | 5.1141% | 2,976 |
| Net charge-offs to loans | 0.1560% | 2,853 |
| Credit loss provision to net charge-offs | 155.6098% | 1,484 |
| Earnings coverage of net charge-offs (x) | 2.9780% | 3,539 |
| Efficiency ratio | 90.4766% | 1,026 |
| Assets per employee ($millions) | 4.0896% | 3,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0088% | 5,782 |
| Loan loss allowance to noncurrent loans | 26.6287% | 6,127 |
| Noncurrent assets plus other real estate owned to assets | 3.0671% | 1,318 |
| Noncurrent loans to loans | 3.7885% | 1,075 |
| Net loans and leases to total assets | 70.6336% | 1,777 |
| Net loans and leases to deposits | 100.2130% | 415 |
| Net loans and leases to core deposits | 105.0881% | 790 |
| Total domestic deposits to total assets | 70.4834% | 6,639 |
| Equity capital to assets | 10.2893% | 3,557 |
| Core capital (leverage) ratio | 11.1828% | 2,189 |
| Tier 1 risk-based capital ratio | 14.0426% | 4,389 |
| Total risk-based capital ratio | 15.1168% | 4,485 |
| Memoranda: |
| Average total assets | $725,348,670 | 922 |
| Average earning assets | $663,819,000 | 910 |
| Average equity | $74,812,670 | 972 |
| Average total loans | $525,740,330 | 794 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4093% | 2,491 |
| Cost of funding earning assets | 1.3242% | 141 |
| Net interest margin | 3.0851% | 5,320 |
| Noninterest income to average assets | 0.7673% | 2,261 |
| Noninterest expense to average assets | 3.2152% | 2,307 |
| Loan and lease loss provision to assets | 0.0028% | 4,389 |
| Net operating income to assets | 0.2739% | 5,648 |
| Return on assets (ROA) | 0.7657% | 3,498 |
| Pretax return on assets | 1.0392% | 3,190 |
| Return on Equity (ROE) | 7.4148% | 3,257 |
| Retained earnings to average equity (ytd only) | 7.4148% | 1,977 |
| Net charge-offs to loans | 0.0159% | 3,837 |
| Credit loss provision to net charge-offs | 23.8095% | 2,981 |
| Earnings coverage of net charge-offs (x) | 32.5238% | 923 |
| Efficiency ratio | 89.4203% | 1,196 |
| Assets per employee ($millions) | 4.0565% | 3,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0676% | 5,725 |
| Loan loss allowance to noncurrent loans | 28.5671% | 6,075 |
| Noncurrent assets plus other real estate owned to assets | 3.1738% | 1,376 |
| Noncurrent loans to loans | 3.7373% | 1,247 |
| Net loans and leases to total assets | 72.6087% | 1,262 |
| Net loans and leases to deposits | 103.7774% | 235 |
| Net loans and leases to core deposits | 108.2749% | 552 |
| Total domestic deposits to total assets | 69.9658% | 6,763 |
| Equity capital to assets | 10.5738% | 3,457 |
| Core capital (leverage) ratio | 11.0546% | 2,219 |
| Tier 1 risk-based capital ratio | 14.2341% | 4,334 |
| Total risk-based capital ratio | 15.4456% | 4,330 |
| Memoranda: |
| Average total assets | $724,051,000 | 930 |
| Average earning assets | $663,052,500 | 918 |
| Average equity | $74,769,000 | 979 |
| Average total loans | $528,904,000 | 793 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6464% | 2,814 |
| Cost of funding earning assets | 1.4856% | 173 |
| Net interest margin | 3.1608% | 5,665 |
| Noninterest income to average assets | 0.9541% | 1,687 |
| Noninterest expense to average assets | 2.9029% | 3,627 |
| Loan and lease loss provision to assets | 0.4246% | 1,498 |
| Net operating income to assets | 0.4031% | 5,091 |
| Return on assets (ROA) | 0.5533% | 4,714 |
| Pretax return on assets | 0.7022% | 4,658 |
| Return on Equity (ROE) | 5.6044% | 4,365 |
| Retained earnings to average equity (ytd only) | 5.6044% | 2,308 |
| Net charge-offs to loans | 0.5407% | 2,107 |
| Credit loss provision to net charge-offs | 109.5949% | 2,674 |
| Earnings coverage of net charge-offs (x) | 2.4176% | 4,201 |
| Efficiency ratio | 75.5334% | 2,824 |
| Assets per employee ($millions) | 4.1720% | 3,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0628% | 5,706 |
| Loan loss allowance to noncurrent loans | 30.1003% | 6,062 |
| Noncurrent assets plus other real estate owned to assets | 2.8926% | 1,645 |
| Noncurrent loans to loans | 3.5310% | 1,409 |
| Net loans and leases to total assets | 71.9365% | 1,501 |
| Net loans and leases to deposits | 102.9473% | 298 |
| Net loans and leases to core deposits | 107.7088% | 620 |
| Total domestic deposits to total assets | 69.8770% | 6,790 |
| Equity capital to assets | 10.0832% | 4,056 |
| Core capital (leverage) ratio | 10.7946% | 2,447 |
| Tier 1 risk-based capital ratio | 13.9341% | 4,421 |
| Total risk-based capital ratio | 15.0349% | 4,498 |
| Memoranda: |
| Average total assets | $726,308,800 | 912 |
| Average earning assets | $663,031,000 | 908 |
| Average equity | $71,712,000 | 985 |
| Average total loans | $520,393,600 | 795 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6871% | 2,853 |
| Cost of funding earning assets | 1.5078% | 194 |
| Net interest margin | 3.1793% | 5,748 |
| Noninterest income to average assets | 0.8560% | 1,996 |
| Noninterest expense to average assets | 3.0570% | 3,032 |
| Loan and lease loss provision to assets | 0.2443% | 2,610 |
| Net operating income to assets | 0.3604% | 5,404 |
| Return on assets (ROA) | 0.5266% | 4,995 |
| Pretax return on assets | 0.6663% | 4,964 |
| Return on Equity (ROE) | 5.3623% | 4,659 |
| Retained earnings to average equity (ytd only) | 5.3623% | 3,117 |
| Net charge-offs to loans | 0.5763% | 1,896 |
| Credit loss provision to net charge-offs | 59.3834% | 4,156 |
| Earnings coverage of net charge-offs (x) | 1.7020% | 4,419 |
| Efficiency ratio | 81.2916% | 1,898 |
| Assets per employee ($millions) | 4.2100% | 3,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8638% | 6,474 |
| Loan loss allowance to noncurrent loans | 22.3447% | 6,435 |
| Noncurrent assets plus other real estate owned to assets | 2.9038% | 1,805 |
| Noncurrent loans to loans | 3.8656% | 1,346 |
| Net loans and leases to total assets | 69.4783% | 2,018 |
| Net loans and leases to deposits | 101.2097% | 390 |
| Net loans and leases to core deposits | 106.3401% | 718 |
| Total domestic deposits to total assets | 68.6479% | 6,898 |
| Equity capital to assets | 10.0393% | 4,435 |
| Core capital (leverage) ratio | 10.6459% | 2,760 |
| Tier 1 risk-based capital ratio | 13.8471% | 4,657 |
| Total risk-based capital ratio | 14.8145% | 4,802 |
| Memoranda: |
| Average total assets | $725,362,750 | 919 |
| Average earning assets | $661,888,250 | 916 |
| Average equity | $71,235,750 | 996 |
| Average total loans | $517,780,750 | 806 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7250% | 2,822 |
| Cost of funding earning assets | 1.5193% | 224 |
| Net interest margin | 3.2057% | 5,721 |
| Noninterest income to average assets | 0.8082% | 2,145 |
| Noninterest expense to average assets | 3.0229% | 3,174 |
| Loan and lease loss provision to assets | 0.3653% | 1,805 |
| Net operating income to assets | 0.2716% | 5,699 |
| Return on assets (ROA) | 0.5000% | 5,077 |
| Pretax return on assets | 0.6281% | 5,038 |
| Return on Equity (ROE) | 5.1304% | 4,741 |
| Retained earnings to average equity (ytd only) | 5.1304% | 3,200 |
| Net charge-offs to loans | 0.5893% | 1,842 |
| Credit loss provision to net charge-offs | 86.3130% | 3,152 |
| Earnings coverage of net charge-offs (x) | 1.6726% | 4,151 |
| Efficiency ratio | 80.9510% | 2,036 |
| Assets per employee ($millions) | 4.2367% | 3,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9889% | 6,202 |
| Loan loss allowance to noncurrent loans | 27.4511% | 6,260 |
| Noncurrent assets plus other real estate owned to assets | 2.8080% | 1,962 |
| Noncurrent loans to loans | 3.6024% | 1,589 |
| Net loans and leases to total assets | 71.3539% | 1,668 |
| Net loans and leases to deposits | 103.2979% | 300 |
| Net loans and leases to core deposits | 108.2339% | 653 |
| Total domestic deposits to total assets | 69.0758% | 6,950 |
| Equity capital to assets | 9.8508% | 4,546 |
| Core capital (leverage) ratio | 10.6474% | 2,663 |
| Tier 1 risk-based capital ratio | 13.7437% | 4,628 |
| Total risk-based capital ratio | 14.7004% | 4,822 |
| Memoranda: |
| Average total assets | $721,566,330 | 924 |
| Average earning assets | $657,819,000 | 926 |
| Average equity | $70,326,000 | 999 |
| Average total loans | $518,260,000 | 801 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7590% | 2,813 |
| Cost of funding earning assets | 1.5307% | 248 |
| Net interest margin | 3.2284% | 5,707 |
| Noninterest income to average assets | 0.7604% | 2,345 |
| Noninterest expense to average assets | 3.3334% | 2,192 |
| Loan and lease loss provision to assets | 0.0033% | 5,226 |
| Net operating income to assets | 0.2788% | 5,724 |
| Return on assets (ROA) | 0.5866% | 4,629 |
| Pretax return on assets | 0.7693% | 4,531 |
| Return on Equity (ROE) | 6.0511% | 4,262 |
| Retained earnings to average equity (ytd only) | 6.0511% | 2,927 |
| Net charge-offs to loans | 0.1844% | 3,002 |
| Credit loss provision to net charge-offs | 2.5210% | 3,976 |
| Earnings coverage of net charge-offs (x) | 2.7815% | 3,067 |
| Efficiency ratio | 89.9895% | 1,098 |
| Assets per employee ($millions) | 4.2606% | 3,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9834% | 6,311 |
| Loan loss allowance to noncurrent loans | 45.2306% | 5,339 |
| Noncurrent assets plus other real estate owned to assets | 1.7098% | 3,294 |
| Noncurrent loans to loans | 2.1741% | 2,941 |
| Net loans and leases to total assets | 70.6237% | 1,644 |
| Net loans and leases to deposits | 101.6860% | 316 |
| Net loans and leases to core deposits | 106.7384% | 649 |
| Total domestic deposits to total assets | 69.4527% | 7,004 |
| Equity capital to assets | 9.6951% | 4,526 |
| Core capital (leverage) ratio | 10.6449% | 2,602 |
| Tier 1 risk-based capital ratio | 13.6605% | 4,708 |
| Total risk-based capital ratio | 14.7223% | 4,837 |
| Memoranda: |
| Average total assets | $720,115,000 | 929 |
| Average earning assets | $655,929,500 | 930 |
| Average equity | $69,806,000 | 999 |
| Average total loans | $516,340,000 | 804 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0846% | 2,510 |
| Cost of funding earning assets | 1.6333% | 420 |
| Net interest margin | 3.4513% | 5,325 |
| Noninterest income to average assets | 1.1672% | 967 |
| Noninterest expense to average assets | 3.0309% | 3,476 |
| Loan and lease loss provision to assets | 0.2718% | 3,498 |
| Net operating income to assets | 0.7187% | 3,396 |
| Return on assets (ROA) | 0.8502% | 2,971 |
| Pretax return on assets | 1.1726% | 2,565 |
| Return on Equity (ROE) | 8.5635% | 2,647 |
| Retained earnings to average equity (ytd only) | 8.5635% | 910 |
| Net charge-offs to loans | 0.3224% | 3,778 |
| Credit loss provision to net charge-offs | 115.2375% | 2,833 |
| Earnings coverage of net charge-offs (x) | 5.3603% | 2,820 |
| Efficiency ratio | 70.5376% | 3,838 |
| Assets per employee ($millions) | 4.2873% | 3,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0533% | 5,985 |
| Loan loss allowance to noncurrent loans | 44.4040% | 5,344 |
| Noncurrent assets plus other real estate owned to assets | 2.2078% | 2,729 |
| Noncurrent loans to loans | 2.3722% | 2,759 |
| Net loans and leases to total assets | 71.3340% | 1,761 |
| Net loans and leases to deposits | 102.7277% | 346 |
| Net loans and leases to core deposits | 108.0504% | 697 |
| Total domestic deposits to total assets | 69.4399% | 7,014 |
| Equity capital to assets | 9.6923% | 4,611 |
| Core capital (leverage) ratio | 10.6397% | 2,570 |
| Tier 1 risk-based capital ratio | 13.8213% | 4,467 |
| Total risk-based capital ratio | 14.8119% | 4,621 |
| Memoranda: |
| Average total assets | $687,260,400 | 948 |
| Average earning assets | $622,861,200 | 950 |
| Average equity | $68,231,800 | 986 |
| Average total loans | $502,744,800 | 830 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1557% | 2,363 |
| Cost of funding earning assets | 1.6417% | 496 |
| Net interest margin | 3.5140% | 5,127 |
| Noninterest income to average assets | 1.2131% | 894 |
| Noninterest expense to average assets | 3.0523% | 3,343 |
| Loan and lease loss provision to assets | 0.0025% | 6,382 |
| Net operating income to assets | 0.9489% | 2,536 |
| Return on assets (ROA) | 1.0888% | 2,155 |
| Pretax return on assets | 1.5398% | 1,544 |
| Return on Equity (ROE) | 10.8994% | 1,897 |
| Retained earnings to average equity (ytd only) | 10.8994% | 648 |
| Net charge-offs to loans | 0.0157% | 5,932 |
| Credit loss provision to net charge-offs | 22.0339% | 5,534 |
| Earnings coverage of net charge-offs (x) | 116.6850% | 307 |
| Efficiency ratio | 69.3938% | 4,061 |
| Assets per employee ($millions) | 4.1530% | 3,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9984% | 6,277 |
| Loan loss allowance to noncurrent loans | 49.0013% | 5,077 |
| Noncurrent assets plus other real estate owned to assets | 1.6090% | 3,668 |
| Noncurrent loans to loans | 2.0374% | 3,320 |
| Net loans and leases to total assets | 72.6046% | 1,585 |
| Net loans and leases to deposits | 105.0445% | 279 |
| Net loans and leases to core deposits | 110.1643% | 666 |
| Total domestic deposits to total assets | 69.1179% | 7,083 |
| Equity capital to assets | 9.9674% | 4,386 |
| Core capital (leverage) ratio | 10.5723% | 2,790 |
| Tier 1 risk-based capital ratio | 13.6749% | 4,596 |
| Total risk-based capital ratio | 14.6311% | 4,791 |
| Memoranda: |
| Average total assets | $682,224,250 | 962 |
| Average earning assets | $618,280,750 | 964 |
| Average equity | $68,148,750 | 992 |
| Average total loans | $500,933,000 | 847 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1816% | 2,339 |
| Cost of funding earning assets | 1.6574% | 557 |
| Net interest margin | 3.5242% | 5,051 |
| Noninterest income to average assets | 0.7641% | 2,185 |
| Noninterest expense to average assets | 3.1251% | 3,162 |
| Loan and lease loss provision to assets | 0.0006% | 6,215 |
| Net operating income to assets | 0.6041% | 4,047 |
| Return on assets (ROA) | 0.8060% | 3,169 |
| Pretax return on assets | 1.1125% | 2,802 |
| Return on Equity (ROE) | 8.0623% | 2,925 |
| Retained earnings to average equity (ytd only) | 8.0623% | 1,442 |
| Net charge-offs to loans | 0.0554% | 5,096 |
| Credit loss provision to net charge-offs | 1.4493% | 5,325 |
| Earnings coverage of net charge-offs (x) | 20.4710% | 1,188 |
| Efficiency ratio | 78.9587% | 2,567 |
| Assets per employee ($millions) | 3.8843% | 4,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9941% | 6,362 |
| Loan loss allowance to noncurrent loans | 64.6198% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 1.4307% | 4,066 |
| Noncurrent loans to loans | 1.5383% | 4,103 |
| Net loans and leases to total assets | 73.5046% | 1,503 |
| Net loans and leases to deposits | 107.7910% | 217 |
| Net loans and leases to core deposits | 112.2784% | 638 |
| Total domestic deposits to total assets | 68.1917% | 7,184 |
| Equity capital to assets | 10.3066% | 3,742 |
| Core capital (leverage) ratio | 10.6360% | 2,579 |
| Tier 1 risk-based capital ratio | 13.7101% | 4,377 |
| Total risk-based capital ratio | 14.8006% | 4,473 |
| Memoranda: |
| Average total assets | $678,447,670 | 975 |
| Average earning assets | $614,828,330 | 974 |
| Average equity | $67,822,000 | 997 |
| Average total loans | $498,367,330 | 867 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1517% | 2,428 |
| Cost of funding earning assets | 1.6621% | 648 |
| Net interest margin | 3.4896% | 5,057 |
| Noninterest income to average assets | 0.8468% | 1,862 |
| Noninterest expense to average assets | 3.2307% | 2,778 |
| Loan and lease loss provision to assets | 0.0012% | 5,835 |
| Net operating income to assets | 0.5639% | 4,219 |
| Return on assets (ROA) | 0.7685% | 3,251 |
| Pretax return on assets | 1.0645% | 2,886 |
| Return on Equity (ROE) | 7.8083% | 3,003 |
| Retained earnings to average equity (ytd only) | 7.8083% | 1,807 |
| Net charge-offs to loans | 0.0677% | 4,245 |
| Credit loss provision to net charge-offs | 2.3810% | 4,456 |
| Earnings coverage of net charge-offs (x) | 15.8095% | 1,297 |
| Efficiency ratio | 80.5221% | 2,437 |
| Assets per employee ($millions) | 3.9288% | 3,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0210% | 6,308 |
| Loan loss allowance to noncurrent loans | 65.0116% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 1.4623% | 4,069 |
| Noncurrent loans to loans | 1.5706% | 4,121 |
| Net loans and leases to total assets | 71.8967% | 1,743 |
| Net loans and leases to deposits | 104.3792% | 301 |
| Net loans and leases to core deposits | 109.0584% | 782 |
| Total domestic deposits to total assets | 68.8803% | 7,236 |
| Equity capital to assets | 10.0074% | 3,763 |
| Core capital (leverage) ratio | 10.4013% | 2,701 |
| Tier 1 risk-based capital ratio | 13.5795% | 4,370 |
| Total risk-based capital ratio | 14.7219% | 4,420 |
| Memoranda: |
| Average total assets | $679,736,000 | 981 |
| Average earning assets | $616,577,000 | 983 |
| Average equity | $66,903,500 | 1,004 |
| Average total loans | $496,659,000 | 887 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4300% | 2,548 |
| Cost of funding earning assets | 1.8138% | 1,117 |
| Net interest margin | 3.6162% | 4,738 |
| Noninterest income to average assets | 0.6848% | 2,936 |
| Noninterest expense to average assets | 3.1063% | 3,431 |
| Loan and lease loss provision to assets | 0.1244% | 5,917 |
| Net operating income to assets | 0.5286% | 3,972 |
| Return on assets (ROA) | 0.6493% | 3,588 |
| Pretax return on assets | 0.8861% | 3,348 |
| Return on Equity (ROE) | 6.8424% | 3,188 |
| Retained earnings to average equity (ytd only) | 6.8424% | 1,391 |
| Net charge-offs to loans | 0.2371% | 4,863 |
| Credit loss provision to net charge-offs | 69.3277% | 5,882 |
| Earnings coverage of net charge-offs (x) | 4.7092% | 2,836 |
| Efficiency ratio | 78.6131% | 2,596 |
| Assets per employee ($millions) | 4.0464% | 3,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0256% | 6,255 |
| Loan loss allowance to noncurrent loans | 59.8319% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 1.6146% | 3,894 |
| Noncurrent loans to loans | 1.7142% | 3,932 |
| Net loans and leases to total assets | 72.7407% | 1,936 |
| Net loans and leases to deposits | 105.0230% | 360 |
| Net loans and leases to core deposits | 109.3041% | 961 |
| Total domestic deposits to total assets | 69.2617% | 7,274 |
| Equity capital to assets | 9.6777% | 4,173 |
| Core capital (leverage) ratio | 10.1892% | 2,876 |
| Tier 1 risk-based capital ratio | 13.3268% | 4,354 |
| Total risk-based capital ratio | 14.3608% | 4,475 |
| Memoranda: |
| Average total assets | $663,132,000 | 1,000 |
| Average earning assets | $599,027,600 | 1,011 |
| Average equity | $62,931,200 | 1,066 |
| Average total loans | $501,985,600 | 893 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4762% | 2,532 |
| Cost of funding earning assets | 1.8413% | 1,256 |
| Net interest margin | 3.6349% | 4,704 |
| Noninterest income to average assets | 0.6626% | 3,056 |
| Noninterest expense to average assets | 3.1491% | 3,113 |
| Loan and lease loss provision to assets | 0.1655% | 5,389 |
| Net operating income to assets | 0.4630% | 4,474 |
| Return on assets (ROA) | 0.5886% | 4,088 |
| Pretax return on assets | 0.7978% | 3,914 |
| Return on Equity (ROE) | 6.2339% | 3,713 |
| Retained earnings to average equity (ytd only) | 6.2339% | 2,244 |
| Net charge-offs to loans | 0.1995% | 4,754 |
| Credit loss provision to net charge-offs | 108.7766% | 3,913 |
| Earnings coverage of net charge-offs (x) | 5.2154% | 2,811 |
| Efficiency ratio | 79.8727% | 2,356 |
| Assets per employee ($millions) | 4.0555% | 3,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1056% | 5,915 |
| Loan loss allowance to noncurrent loans | 64.8302% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 1.8150% | 3,727 |
| Noncurrent loans to loans | 1.7054% | 4,080 |
| Net loans and leases to total assets | 72.9141% | 2,030 |
| Net loans and leases to deposits | 105.0528% | 398 |
| Net loans and leases to core deposits | 109.3678% | 1,072 |
| Total domestic deposits to total assets | 69.4071% | 7,305 |
| Equity capital to assets | 9.4196% | 4,962 |
| Core capital (leverage) ratio | 9.9257% | 3,325 |
| Tier 1 risk-based capital ratio | 13.0696% | 4,521 |
| Total risk-based capital ratio | 14.1475% | 4,643 |
| Memoranda: |
| Average total assets | $658,968,250 | 1,020 |
| Average earning assets | $594,626,500 | 1,025 |
| Average equity | $62,217,000 | 1,079 |
| Average total loans | $502,580,500 | 894 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5478% | 2,336 |
| Cost of funding earning assets | 1.8771% | 1,317 |
| Net interest margin | 3.6707% | 4,498 |
| Noninterest income to average assets | 0.6434% | 3,042 |
| Noninterest expense to average assets | 3.3583% | 2,376 |
| Loan and lease loss provision to assets | 0.0034% | 6,847 |
| Net operating income to assets | 0.4363% | 4,596 |
| Return on assets (ROA) | 0.6032% | 4,002 |
| Pretax return on assets | 0.8095% | 3,848 |
| Return on Equity (ROE) | 6.3837% | 3,603 |
| Retained earnings to average equity (ytd only) | 6.3837% | 2,126 |
| Net charge-offs to loans | 0.3060% | 3,783 |
| Credit loss provision to net charge-offs | 1.4304% | 6,000 |
| Earnings coverage of net charge-offs (x) | 2.5007% | 3,750 |
| Efficiency ratio | 85.0501% | 1,813 |
| Assets per employee ($millions) | 3.9749% | 3,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9429% | 6,619 |
| Loan loss allowance to noncurrent loans | 58.6703% | 4,419 |
| Noncurrent assets plus other real estate owned to assets | 1.8109% | 3,743 |
| Noncurrent loans to loans | 1.6070% | 4,304 |
| Net loans and leases to total assets | 74.8609% | 1,724 |
| Net loans and leases to deposits | 108.2970% | 316 |
| Net loans and leases to core deposits | 112.9962% | 977 |
| Total domestic deposits to total assets | 69.1255% | 7,380 |
| Equity capital to assets | 9.2082% | 5,136 |
| Core capital (leverage) ratio | 9.7186% | 3,514 |
| Tier 1 risk-based capital ratio | 12.8190% | 4,588 |
| Total risk-based capital ratio | 13.7618% | 4,822 |
| Memoranda: |
| Average total assets | $651,517,330 | 1,040 |
| Average earning assets | $586,646,330 | 1,046 |
| Average equity | $61,563,330 | 1,077 |
| Average total loans | $502,663,000 | 904 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5995% | 2,155 |
| Cost of funding earning assets | 1.9347% | 1,308 |
| Net interest margin | 3.6648% | 4,413 |
| Noninterest income to average assets | 0.6334% | 3,056 |
| Noninterest expense to average assets | 3.1052% | 3,245 |
| Loan and lease loss provision to assets | 0.0031% | 6,544 |
| Net operating income to assets | 0.6005% | 3,897 |
| Return on assets (ROA) | 0.6892% | 3,605 |
| Pretax return on assets | 0.9433% | 3,300 |
| Return on Equity (ROE) | 7.1994% | 3,243 |
| Retained earnings to average equity (ytd only) | 7.1994% | 2,047 |
| Net charge-offs to loans | 0.3434% | 3,035 |
| Credit loss provision to net charge-offs | 1.1574% | 5,117 |
| Earnings coverage of net charge-offs (x) | 3.0810% | 3,024 |
| Efficiency ratio | 79.0096% | 2,721 |
| Assets per employee ($millions) | 3.8841% | 4,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0050% | 6,440 |
| Loan loss allowance to noncurrent loans | 66.4522% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 1.6588% | 3,981 |
| Noncurrent loans to loans | 1.5123% | 4,479 |
| Net loans and leases to total assets | 75.9489% | 1,551 |
| Net loans and leases to deposits | 110.3394% | 283 |
| Net loans and leases to core deposits | 115.5404% | 970 |
| Total domestic deposits to total assets | 68.8321% | 7,476 |
| Equity capital to assets | 9.5453% | 4,457 |
| Core capital (leverage) ratio | 10.2450% | 2,877 |
| Tier 1 risk-based capital ratio | 12.5019% | 4,750 |
| Total risk-based capital ratio | 13.4654% | 4,951 |
| Memoranda: |
| Average total assets | $645,369,000 | 1,071 |
| Average earning assets | $580,550,500 | 1,078 |
| Average equity | $61,782,500 | 1,083 |
| Average total loans | $503,161,000 | 930 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6601% | 3,292 |
| Cost of funding earning assets | 2.3252% | 1,561 |
| Net interest margin | 3.3350% | 5,605 |
| Noninterest income to average assets | 0.8097% | 2,357 |
| Noninterest expense to average assets | 2.6808% | 5,479 |
| Loan and lease loss provision to assets | 0.1963% | 5,768 |
| Net operating income to assets | 0.7976% | 2,546 |
| Return on assets (ROA) | 0.4753% | 3,940 |
| Pretax return on assets | 0.5732% | 3,977 |
| Return on Equity (ROE) | 5.5233% | 3,412 |
| Retained earnings to average equity (ytd only) | 5.5233% | 1,567 |
| Net charge-offs to loans | 0.1579% | 5,696 |
| Credit loss provision to net charge-offs | 157.5646% | 2,850 |
| Earnings coverage of net charge-offs (x) | 9.2952% | 1,822 |
| Efficiency ratio | 69.8372% | 4,660 |
| Assets per employee ($millions) | 3.7757% | 4,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0919% | 5,937 |
| Loan loss allowance to noncurrent loans | 75.3776% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 1.6361% | 3,919 |
| Noncurrent loans to loans | 1.4485% | 4,496 |
| Net loans and leases to total assets | 78.3878% | 1,303 |
| Net loans and leases to deposits | 115.5291% | 244 |
| Net loans and leases to core deposits | 134.4334% | 1,030 |
| Total domestic deposits to total assets | 67.8512% | 7,558 |
| Equity capital to assets | 9.6021% | 4,268 |
| Core capital (leverage) ratio | 9.9882% | 3,104 |
| Tier 1 risk-based capital ratio | 12.7595% | 4,317 |
| Total risk-based capital ratio | 13.8533% | 4,384 |
| Memoranda: |
| Average total assets | $652,676,200 | 1,063 |
| Average earning assets | $592,776,400 | 1,059 |
| Average equity | $56,161,800 | 1,172 |
| Average total loans | $514,761,600 | 929 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6432% | 3,612 |
| Cost of funding earning assets | 2.3898% | 1,666 |
| Net interest margin | 3.2534% | 5,817 |
| Noninterest income to average assets | 0.8510% | 2,195 |
| Noninterest expense to average assets | 2.5619% | 5,850 |
| Loan and lease loss provision to assets | 0.0024% | 7,278 |
| Net operating income to assets | 0.9792% | 2,134 |
| Return on assets (ROA) | 0.5712% | 3,790 |
| Pretax return on assets | 0.7283% | 3,763 |
| Return on Equity (ROE) | 6.8296% | 3,148 |
| Retained earnings to average equity (ytd only) | 6.8296% | 1,578 |
| Net charge-offs to loans | 0.1411% | 5,291 |
| Credit loss provision to net charge-offs | 2.1898% | 6,653 |
| Earnings coverage of net charge-offs (x) | 11.2773% | 1,868 |
| Efficiency ratio | 67.1434% | 5,153 |
| Assets per employee ($millions) | 3.9331% | 3,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8939% | 6,783 |
| Loan loss allowance to noncurrent loans | 41.4871% | 5,560 |
| Noncurrent assets plus other real estate owned to assets | 1.7314% | 3,767 |
| Noncurrent loans to loans | 2.1548% | 3,439 |
| Net loans and leases to total assets | 76.6360% | 1,864 |
| Net loans and leases to deposits | 113.9717% | 328 |
| Net loans and leases to core deposits | 132.5470% | 1,306 |
| Total domestic deposits to total assets | 67.2413% | 7,623 |
| Equity capital to assets | 9.0921% | 5,355 |
| Core capital (leverage) ratio | 9.6998% | 3,644 |
| Tier 1 risk-based capital ratio | 12.2901% | 4,719 |
| Total risk-based capital ratio | 13.1659% | 4,985 |
| Memoranda: |
| Average total assets | $657,265,500 | 1,070 |
| Average earning assets | $598,912,250 | 1,062 |
| Average equity | $54,975,250 | 1,215 |
| Average total loans | $517,772,500 | 938 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6645% | 3,741 |
| Cost of funding earning assets | 2.4149% | 1,907 |
| Net interest margin | 3.2496% | 5,739 |
| Noninterest income to average assets | 0.9412% | 1,792 |
| Noninterest expense to average assets | 2.5399% | 5,987 |
| Loan and lease loss provision to assets | 0.0024% | 7,145 |
| Net operating income to assets | 1.1060% | 1,755 |
| Return on assets (ROA) | 0.4715% | 4,325 |
| Pretax return on assets | 0.5812% | 4,368 |
| Return on Equity (ROE) | 5.8025% | 3,745 |
| Retained earnings to average equity (ytd only) | 5.8025% | 2,113 |
| Net charge-offs to loans | 0.0199% | 6,239 |
| Credit loss provision to net charge-offs | 15.3846% | 6,159 |
| Earnings coverage of net charge-offs (x) | 86.7500% | 446 |
| Efficiency ratio | 65.0120% | 5,719 |
| Assets per employee ($millions) | 3.9319% | 3,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9773% | 6,406 |
| Loan loss allowance to noncurrent loans | 56.5440% | 4,642 |
| Noncurrent assets plus other real estate owned to assets | 1.4112% | 4,135 |
| Noncurrent loans to loans | 1.7285% | 3,916 |
| Net loans and leases to total assets | 77.7271% | 1,811 |
| Net loans and leases to deposits | 116.7421% | 310 |
| Net loans and leases to core deposits | 135.8328% | 1,219 |
| Total domestic deposits to total assets | 66.5801% | 7,706 |
| Equity capital to assets | 8.6001% | 5,891 |
| Core capital (leverage) ratio | 9.2165% | 4,284 |
| Tier 1 risk-based capital ratio | 11.5585% | 5,322 |
| Total risk-based capital ratio | 12.5168% | 5,533 |
| Memoranda: |
| Average total assets | $660,035,000 | 1,080 |
| Average earning assets | $602,352,670 | 1,070 |
| Average equity | $53,632,330 | 1,257 |
| Average total loans | $523,089,670 | 943 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7031% | 3,787 |
| Cost of funding earning assets | 2.4290% | 2,178 |
| Net interest margin | 3.2742% | 5,599 |
| Noninterest income to average assets | 0.8743% | 1,967 |
| Noninterest expense to average assets | 2.5971% | 5,461 |
| Loan and lease loss provision to assets | 0.0030% | 6,736 |
| Net operating income to assets | 0.8975% | 2,712 |
| Return on assets (ROA) | -0.0973% | 6,522 |
| Pretax return on assets | -0.2914% | 6,665 |
| Return on Equity (ROE) | -1.2331% | 6,574 |
| Retained earnings to average equity (ytd only) | -1.2331% | 5,939 |
| Net charge-offs to loans | 0.0038% | 5,665 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 421.4000% | 82 |
| Efficiency ratio | 67.2266% | 5,098 |
| Assets per employee ($millions) | 4.0209% | 3,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9549% | 6,463 |
| Loan loss allowance to noncurrent loans | 54.4823% | 4,919 |
| Noncurrent assets plus other real estate owned to assets | 1.4293% | 3,793 |
| Noncurrent loans to loans | 1.7527% | 3,637 |
| Net loans and leases to total assets | 78.9593% | 1,593 |
| Net loans and leases to deposits | 117.6035% | 344 |
| Net loans and leases to core deposits | 136.5379% | 1,268 |
| Total domestic deposits to total assets | 67.1403% | 7,661 |
| Equity capital to assets | 7.9154% | 6,939 |
| Core capital (leverage) ratio | 8.4193% | 5,679 |
| Tier 1 risk-based capital ratio | 10.6919% | 6,195 |
| Total risk-based capital ratio | 11.6405% | 6,413 |
| Memoranda: |
| Average total assets | $665,672,000 | 1,066 |
| Average earning assets | $607,665,000 | 1,058 |
| Average equity | $52,551,500 | 1,300 |
| Average total loans | $530,014,500 | 944 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1312% | 4,890 |
| Cost of funding earning assets | 2.6653% | 3,336 |
| Net interest margin | 3.4659% | 5,416 |
| Noninterest income to average assets | 0.5361% | 4,351 |
| Noninterest expense to average assets | 2.6454% | 5,465 |
| Loan and lease loss provision to assets | 0.6207% | 2,349 |
| Net operating income to assets | 0.3885% | 5,199 |
| Return on assets (ROA) | -0.3818% | 6,682 |
| Pretax return on assets | -0.7544% | 6,852 |
| Return on Equity (ROE) | -4.0914% | 6,756 |
| Retained earnings to average equity (ytd only) | -4.0914% | 6,341 |
| Net charge-offs to loans | 0.6544% | 1,895 |
| Credit loss provision to net charge-offs | 123.3659% | 4,351 |
| Earnings coverage of net charge-offs (x) | 2.1266% | 5,008 |
| Efficiency ratio | 71.2031% | 4,085 |
| Assets per employee ($millions) | 4.0971% | 3,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9397% | 6,450 |
| Loan loss allowance to noncurrent loans | 54.2928% | 5,264 |
| Noncurrent assets plus other real estate owned to assets | 1.4078% | 3,384 |
| Noncurrent loans to loans | 1.7308% | 3,169 |
| Net loans and leases to total assets | 78.7760% | 1,941 |
| Net loans and leases to deposits | 116.7589% | 490 |
| Net loans and leases to core deposits | 134.7315% | 1,551 |
| Total domestic deposits to total assets | 67.4689% | 7,520 |
| Equity capital to assets | 7.8740% | 7,004 |
| Core capital (leverage) ratio | 8.4076% | 5,745 |
| Tier 1 risk-based capital ratio | 10.8193% | 5,887 |
| Total risk-based capital ratio | 11.7625% | 6,083 |
| Memoranda: |
| Average total assets | $672,031,800 | 991 |
| Average earning assets | $616,438,400 | 980 |
| Average equity | $62,716,200 | 1,072 |
| Average total loans | $516,667,000 | 921 |
