| 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 | 7.4734% | 167 |
| Cost of funding earning assets | 1.7243% | 1,402 |
| Net interest margin | 5.7491% | 142 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 2.6296% | 1,923 |
| Loan and lease loss provision to assets | 0.4000% | 240 |
| Net operating income to assets | 2.1729% | 358 |
| Return on assets (ROA) | 2.1780% | 344 |
| Pretax return on assets | 2.7315% | 271 |
| Return on Equity (ROE) | 7.5300% | 3,152 |
| Retained earnings to average equity (ytd only) | 4.4584% | 2,809 |
| Net charge-offs to loans | 0.4858% | 212 |
| Credit loss provision to net charge-offs | 98.7921% | 1,865 |
| Earnings coverage of net charge-offs (x) | 8.0922% | 2,365 |
| Efficiency ratio | 45.7023% | 4,202 |
| Assets per employee ($millions) | 5.3930% | 3,332 |
| Cash dividends to net income (ytd only)* | 40.7821% | 2,050 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2518% | 261 |
| Loan loss allowance to noncurrent loans | 138.3212% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 1.3240% | 310 |
| Noncurrent loans to loans | 1.6280% | 397 |
| Net loans and leases to total assets | 79.2400% | 733 |
| Net loans and leases to deposits | 123.2420% | 66 |
| Net loans and leases to core deposits | 148.3773% | 214 |
| Total domestic deposits to total assets | 64.2900% | 4,400 |
| Equity capital to assets | 29.3539% | 158 |
| Core capital (leverage) ratio | 29.0873% | 123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.0875% | 164 |
| Memoranda: |
| Average total assets | $407,433,800 | 1,991 |
| Average earning assets | $394,425,200 | 1,928 |
| Average equity | $117,868,200 | 839 |
| Average total loans | $323,779,200 | 1,709 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.4197% | 154 |
| Cost of funding earning assets | 1.6203% | 1,332 |
| Net interest margin | 5.7993% | 123 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 2.4937% | 2,250 |
| Loan and lease loss provision to assets | 0.4200% | 190 |
| Net operating income to assets | 2.2724% | 339 |
| Return on assets (ROA) | 2.2726% | 331 |
| Pretax return on assets | 2.8964% | 256 |
| Return on Equity (ROE) | 7.8900% | 3,211 |
| Retained earnings to average equity (ytd only) | 4.7932% | 3,003 |
| Net charge-offs to loans | 0.6222% | 143 |
| Credit loss provision to net charge-offs | 83.2888% | 1,744 |
| Earnings coverage of net charge-offs (x) | 6.7340% | 2,267 |
| Efficiency ratio | 42.9364% | 4,275 |
| Assets per employee ($millions) | 5.1297% | 3,494 |
| Cash dividends to net income (ytd only)* | 39.2878% | 1,686 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2808% | 262 |
| Loan loss allowance to noncurrent loans | 127.9693% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 1.5970% | 225 |
| Noncurrent loans to loans | 1.7823% | 365 |
| Net loans and leases to total assets | 78.6800% | 797 |
| Net loans and leases to deposits | 117.9596% | 97 |
| Net loans and leases to core deposits | 140.3008% | 217 |
| Total domestic deposits to total assets | 66.7000% | 4,394 |
| Equity capital to assets | 29.1911% | 166 |
| Core capital (leverage) ratio | 28.8631% | 126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $405,279,250 | 1,994 |
| Average earning assets | $392,172,250 | 1,940 |
| Average equity | $116,663,500 | 841 |
| Average total loans | $320,570,500 | 1,714 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.3705% | 139 |
| Cost of funding earning assets | 1.4630% | 1,311 |
| Net interest margin | 5.9075% | 115 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 2.5966% | 1,939 |
| Loan and lease loss provision to assets | 0.6000% | 120 |
| Net operating income to assets | 2.1918% | 360 |
| Return on assets (ROA) | 2.2069% | 343 |
| Pretax return on assets | 2.7371% | 272 |
| Return on Equity (ROE) | 7.7000% | 3,316 |
| Retained earnings to average equity (ytd only) | 4.5979% | 3,054 |
| Net charge-offs to loans | 0.9368% | 93 |
| Credit loss provision to net charge-offs | 80.1201% | 1,551 |
| Earnings coverage of net charge-offs (x) | 4.5083% | 2,213 |
| Efficiency ratio | 43.8798% | 4,256 |
| Assets per employee ($millions) | 5.1694% | 3,437 |
| Cash dividends to net income (ytd only)* | 40.3028% | 1,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3559% | 253 |
| Loan loss allowance to noncurrent loans | 168.4976% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 1.0774% | 413 |
| Noncurrent loans to loans | 1.3982% | 496 |
| Net loans and leases to total assets | 74.1000% | 1,280 |
| Net loans and leases to deposits | 112.3862% | 168 |
| Net loans and leases to core deposits | 135.7940% | 255 |
| Total domestic deposits to total assets | 65.9300% | 4,432 |
| Equity capital to assets | 28.8110% | 161 |
| Core capital (leverage) ratio | 28.6053% | 129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $406,999,333 | 1,991 |
| Average earning assets | $394,109,667 | 1,929 |
| Average equity | $116,618,333 | 838 |
| Average total loans | $320,040,000 | 1,704 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.0675% | 112 |
| Cost of funding earning assets | 1.2685% | 1,301 |
| Net interest margin | 5.7990% | 114 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 2.7146% | 1,634 |
| Loan and lease loss provision to assets | 0.6000% | 119 |
| Net operating income to assets | 2.0867% | 439 |
| Return on assets (ROA) | 2.1074% | 415 |
| Pretax return on assets | 2.5205% | 347 |
| Return on Equity (ROE) | 7.3900% | 3,437 |
| Retained earnings to average equity (ytd only) | 4.2622% | 3,193 |
| Net charge-offs to loans | 0.9954% | 80 |
| Credit loss provision to net charge-offs | 72.4351% | 1,237 |
| Earnings coverage of net charge-offs (x) | 3.8850% | 1,873 |
| Efficiency ratio | 46.7017% | 4,179 |
| Assets per employee ($millions) | 5.1354% | 3,542 |
| Cash dividends to net income (ytd only)* | 42.3293% | 1,395 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2948% | 288 |
| Loan loss allowance to noncurrent loans | 140.0228% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 1.3032% | 273 |
| Noncurrent loans to loans | 1.6389% | 388 |
| Net loans and leases to total assets | 77.4000% | 829 |
| Net loans and leases to deposits | 117.1880% | 108 |
| Net loans and leases to core deposits | 140.3106% | 182 |
| Total domestic deposits to total assets | 66.0500% | 4,483 |
| Equity capital to assets | 28.6508% | 125 |
| Core capital (leverage) ratio | 27.8544% | 140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $405,799,000 | 2,024 |
| Average earning assets | $392,275,500 | 1,962 |
| Average equity | $115,715,500 | 852 |
| Average total loans | $325,108,500 | 1,706 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7057% | 58 |
| Cost of funding earning assets | 0.5492% | 1,112 |
| Net interest margin | 6.1565% | 50 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 2.5953% | 1,838 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 2.7055% | 131 |
| Return on assets (ROA) | 2.6512% | 129 |
| Pretax return on assets | 3.3571% | 105 |
| Return on Equity (ROE) | 9.4800% | 2,976 |
| Retained earnings to average equity (ytd only) | 6.6981% | 2,369 |
| Net charge-offs to loans | 0.0433% | 1,255 |
| Credit loss provision to net charge-offs | 406.7164% | 768 |
| Earnings coverage of net charge-offs (x) | 108.8060% | 931 |
| Efficiency ratio | 42.1704% | 4,485 |
| Assets per employee ($millions) | 5.1380% | 3,567 |
| Cash dividends to net income (ytd only)* | 29.3251% | 2,458 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1284% | 340 |
| Loan loss allowance to noncurrent loans | 120.6308% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 1.4738% | 217 |
| Noncurrent loans to loans | 1.7644% | 343 |
| Net loans and leases to total assets | 79.2900% | 670 |
| Net loans and leases to deposits | 119.2478% | 73 |
| Net loans and leases to core deposits | 142.1086% | 131 |
| Total domestic deposits to total assets | 66.4900% | 4,527 |
| Equity capital to assets | 28.3802% | 122 |
| Core capital (leverage) ratio | 28.6182% | 135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $409,671,200 | 1,992 |
| Average earning assets | $397,513,400 | 1,926 |
| Average equity | $114,599,600 | 848 |
| Average total loans | $309,542,000 | 1,679 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6047% | 48 |
| Cost of funding earning assets | 0.4884% | 797 |
| Net interest margin | 6.1163% | 43 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 2.4317% | 2,221 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 2.7710% | 122 |
| Return on assets (ROA) | 2.7402% | 122 |
| Pretax return on assets | 3.4939% | 107 |
| Return on Equity (ROE) | 9.8300% | 2,782 |
| Retained earnings to average equity (ytd only) | 7.1750% | 2,311 |
| Net charge-offs to loans | 0.0687% | 811 |
| Credit loss provision to net charge-offs | 299.3631% | 817 |
| Earnings coverage of net charge-offs (x) | 72.2930% | 1,093 |
| Efficiency ratio | 39.7526% | 4,578 |
| Assets per employee ($millions) | 4.8615% | 3,795 |
| Cash dividends to net income (ytd only)* | 27.0174% | 2,158 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2272% | 335 |
| Loan loss allowance to noncurrent loans | 116.1393% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 1.5638% | 208 |
| Noncurrent loans to loans | 1.9177% | 318 |
| Net loans and leases to total assets | 77.9000% | 714 |
| Net loans and leases to deposits | 112.4678% | 98 |
| Net loans and leases to core deposits | 134.0210% | 127 |
| Total domestic deposits to total assets | 69.2600% | 4,543 |
| Equity capital to assets | 28.7625% | 115 |
| Core capital (leverage) ratio | 28.0999% | 129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $410,613,500 | 2,001 |
| Average earning assets | $398,877,500 | 1,934 |
| Average equity | $114,450,500 | 866 |
| Average total loans | $304,718,000 | 1,692 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3652% | 52 |
| Cost of funding earning assets | 0.4876% | 555 |
| Net interest margin | 5.8777% | 54 |
| Noninterest income to average assets | 0.1603% | 4,214 |
| Noninterest expense to average assets | 2.4387% | 2,118 |
| Loan and lease loss provision to assets | 0.1915% | 454 |
| Net operating income to assets | 2.5665% | 104 |
| Return on assets (ROA) | 2.5162% | 105 |
| Pretax return on assets | 3.1792% | 82 |
| Return on Equity (ROE) | 9.1178% | 2,663 |
| Retained earnings to average equity (ytd only) | 6.4815% | 2,179 |
| Net charge-offs to loans | 0.1214% | 510 |
| Credit loss provision to net charge-offs | 217.3913% | 935 |
| Earnings coverage of net charge-offs (x) | 38.9946% | 1,271 |
| Efficiency ratio | 41.5240% | 4,582 |
| Assets per employee ($millions) | 4.9254% | 3,739 |
| Cash dividends to net income (ytd only)* | 28.9138% | 2,139 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2311% | 365 |
| Loan loss allowance to noncurrent loans | 115.9114% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 1.4970% | 236 |
| Noncurrent loans to loans | 1.9248% | 338 |
| Net loans and leases to total assets | 73.8223% | 933 |
| Net loans and leases to deposits | 104.6716% | 152 |
| Net loans and leases to core deposits | 123.3146% | 163 |
| Total domestic deposits to total assets | 70.5275% | 4,609 |
| Equity capital to assets | 27.5053% | 74 |
| Core capital (leverage) ratio | 26.8966% | 90 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.9778% | 122 |
| Memoranda: |
| Average total assets | $417,845,000 | 1,984 |
| Average earning assets | $406,111,667 | 1,919 |
| Average equity | $115,313,000 | 868 |
| Average total loans | $303,007,333 | 1,691 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1281% | 62 |
| Cost of funding earning assets | 0.5089% | 471 |
| Net interest margin | 5.6192% | 65 |
| Noninterest income to average assets | 0.1817% | 4,072 |
| Noninterest expense to average assets | 2.4236% | 2,093 |
| Loan and lease loss provision to assets | 0.2354% | 286 |
| Net operating income to assets | 2.4275% | 128 |
| Return on assets (ROA) | 2.4603% | 123 |
| Pretax return on assets | 3.0215% | 103 |
| Return on Equity (ROE) | 8.9010% | 2,353 |
| Retained earnings to average equity (ytd only) | 6.3121% | 2,136 |
| Net charge-offs to loans | 0.2914% | 217 |
| Credit loss provision to net charge-offs | 113.6364% | 951 |
| Earnings coverage of net charge-offs (x) | 15.5273% | 1,350 |
| Efficiency ratio | 42.9716% | 4,583 |
| Assets per employee ($millions) | 5.1481% | 3,626 |
| Cash dividends to net income (ytd only)* | 29.0853% | 1,781 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1737% | 456 |
| Loan loss allowance to noncurrent loans | 74.6447% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 2.1464% | 127 |
| Noncurrent loans to loans | 2.9121% | 188 |
| Net loans and leases to total assets | 70.5539% | 965 |
| Net loans and leases to deposits | 99.9406% | 174 |
| Net loans and leases to core deposits | 118.8105% | 155 |
| Total domestic deposits to total assets | 70.5958% | 4,652 |
| Equity capital to assets | 27.1628% | 71 |
| Core capital (leverage) ratio | 26.1457% | 83 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $424,826,500 | 1,965 |
| Average earning assets | $412,655,000 | 1,907 |
| Average equity | $117,425,000 | 877 |
| Average total loans | $302,031,500 | 1,694 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4702% | 55 |
| Cost of funding earning assets | 0.6080% | 523 |
| Net interest margin | 5.8622% | 59 |
| Noninterest income to average assets | 0.1326% | 4,485 |
| Noninterest expense to average assets | 2.2099% | 3,050 |
| Loan and lease loss provision to assets | 0.3538% | 206 |
| Net operating income to assets | 2.5666% | 146 |
| Return on assets (ROA) | 2.5892% | 148 |
| Pretax return on assets | 3.2806% | 112 |
| Return on Equity (ROE) | 9.4924% | 2,723 |
| Retained earnings to average equity (ytd only) | 6.8814% | 1,970 |
| Net charge-offs to loans | 0.3834% | 218 |
| Credit loss provision to net charge-offs | 129.5026% | 1,584 |
| Earnings coverage of net charge-offs (x) | 13.1998% | 2,084 |
| Efficiency ratio | 37.9995% | 4,722 |
| Assets per employee ($millions) | 5.0894% | 3,656 |
| Cash dividends to net income (ytd only)* | 27.5063% | 2,685 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1989% | 452 |
| Loan loss allowance to noncurrent loans | 106.3267% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 1.7324% | 215 |
| Noncurrent loans to loans | 2.0680% | 379 |
| Net loans and leases to total assets | 68.5408% | 1,205 |
| Net loans and leases to deposits | 98.9257% | 221 |
| Net loans and leases to core deposits | 117.7498% | 183 |
| Total domestic deposits to total assets | 69.2851% | 4,699 |
| Equity capital to assets | 28.1126% | 69 |
| Core capital (leverage) ratio | 25.7985% | 89 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $426,847,600 | 1,906 |
| Average earning assets | $413,805,800 | 1,858 |
| Average equity | $116,429,400 | 897 |
| Average total loans | $304,120,400 | 1,693 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5331% | 55 |
| Cost of funding earning assets | 0.6312% | 537 |
| Net interest margin | 5.9018% | 61 |
| Noninterest income to average assets | 0.1834% | 4,279 |
| Noninterest expense to average assets | 2.2108% | 3,036 |
| Loan and lease loss provision to assets | 0.3797% | 179 |
| Net operating income to assets | 2.5781% | 194 |
| Return on assets (ROA) | 2.5948% | 194 |
| Pretax return on assets | 3.3348% | 130 |
| Return on Equity (ROE) | 9.5867% | 2,890 |
| Retained earnings to average equity (ytd only) | 6.9545% | 2,436 |
| Net charge-offs to loans | 0.3521% | 221 |
| Credit loss provision to net charge-offs | 150.7444% | 1,355 |
| Earnings coverage of net charge-offs (x) | 14.6638% | 1,885 |
| Efficiency ratio | 37.4457% | 4,784 |
| Assets per employee ($millions) | 5.1911% | 3,513 |
| Cash dividends to net income (ytd only)* | 27.4566% | 2,203 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1910% | 463 |
| Loan loss allowance to noncurrent loans | 93.9689% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 1.7993% | 230 |
| Noncurrent loans to loans | 2.3316% | 346 |
| Net loans and leases to total assets | 69.7734% | 1,101 |
| Net loans and leases to deposits | 100.9051% | 204 |
| Net loans and leases to core deposits | 120.3177% | 182 |
| Total domestic deposits to total assets | 69.1476% | 4,754 |
| Equity capital to assets | 27.8565% | 77 |
| Core capital (leverage) ratio | 25.5933% | 92 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $426,682,250 | 1,924 |
| Average earning assets | $413,578,250 | 1,876 |
| Average equity | $115,490,750 | 911 |
| Average total loans | $305,249,000 | 1,712 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4312% | 62 |
| Cost of funding earning assets | 0.6550% | 551 |
| Net interest margin | 5.7762% | 72 |
| Noninterest income to average assets | 0.2140% | 4,123 |
| Noninterest expense to average assets | 2.2261% | 2,993 |
| Loan and lease loss provision to assets | 0.1991% | 560 |
| Net operating income to assets | 2.6208% | 189 |
| Return on assets (ROA) | 2.6256% | 200 |
| Pretax return on assets | 3.3961% | 127 |
| Return on Equity (ROE) | 9.7954% | 2,830 |
| Retained earnings to average equity (ytd only) | 7.1395% | 2,379 |
| Net charge-offs to loans | 0.1158% | 668 |
| Credit loss provision to net charge-offs | 240.1130% | 976 |
| Earnings coverage of net charge-offs (x) | 43.2938% | 1,123 |
| Efficiency ratio | 38.2813% | 4,796 |
| Assets per employee ($millions) | 5.0464% | 3,623 |
| Cash dividends to net income (ytd only)* | 27.1138% | 2,200 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1135% | 489 |
| Loan loss allowance to noncurrent loans | 69.2776% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 2.2767% | 167 |
| Noncurrent loans to loans | 3.0508% | 238 |
| Net loans and leases to total assets | 70.9302% | 1,095 |
| Net loans and leases to deposits | 101.8920% | 221 |
| Net loans and leases to core deposits | 125.3665% | 163 |
| Total domestic deposits to total assets | 69.6132% | 4,763 |
| Equity capital to assets | 27.4604% | 73 |
| Core capital (leverage) ratio | 25.0553% | 89 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $427,020,333 | 1,919 |
| Average earning assets | $414,076,333 | 1,866 |
| Average equity | $114,462,333 | 908 |
| Average total loans | $305,780,000 | 1,715 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5743% | 61 |
| Cost of funding earning assets | 0.6903% | 569 |
| Net interest margin | 5.8840% | 73 |
| Noninterest income to average assets | 0.2240% | 4,044 |
| Noninterest expense to average assets | 2.1569% | 3,246 |
| Loan and lease loss provision to assets | 0.2800% | 348 |
| Net operating income to assets | 2.7824% | 182 |
| Return on assets (ROA) | 2.8242% | 201 |
| Pretax return on assets | 3.5438% | 141 |
| Return on Equity (ROE) | 10.6651% | 2,473 |
| Retained earnings to average equity (ytd only) | 7.9865% | 2,244 |
| Net charge-offs to loans | -0.0865% | 4,588 |
| Credit loss provision to net charge-offs | -454.5455% | 3,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.3822% | 4,840 |
| Assets per employee ($millions) | 4.9841% | 3,677 |
| Cash dividends to net income (ytd only)* | 25.1157% | 1,857 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1591% | 454 |
| Loan loss allowance to noncurrent loans | 65.1167% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 2.5490% | 153 |
| Noncurrent loans to loans | 3.3158% | 219 |
| Net loans and leases to total assets | 70.7029% | 1,195 |
| Net loans and leases to deposits | 100.6441% | 272 |
| Net loans and leases to core deposits | 124.7198% | 197 |
| Total domestic deposits to total assets | 70.2504% | 4,763 |
| Equity capital to assets | 26.7667% | 77 |
| Core capital (leverage) ratio | 24.3051% | 105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $428,583,500 | 1,907 |
| Average earning assets | $415,498,000 | 1,852 |
| Average equity | $113,492,000 | 905 |
| Average total loans | $305,089,500 | 1,721 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.8403% | 48 |
| Cost of funding earning assets | 1.0285% | 534 |
| Net interest margin | 5.8118% | 50 |
| Noninterest income to average assets | 0.1521% | 4,533 |
| Noninterest expense to average assets | 2.2888% | 3,435 |
| Loan and lease loss provision to assets | 0.4996% | 495 |
| Net operating income to assets | 2.3647% | 159 |
| Return on assets (ROA) | 2.3819% | 165 |
| Pretax return on assets | 3.0046% | 121 |
| Return on Equity (ROE) | 9.1836% | 2,322 |
| Retained earnings to average equity (ytd only) | 6.3270% | 1,656 |
| Net charge-offs to loans | 0.3769% | 456 |
| Credit loss provision to net charge-offs | 181.2555% | 2,256 |
| Earnings coverage of net charge-offs (x) | 12.6340% | 2,324 |
| Efficiency ratio | 39.6579% | 4,879 |
| Assets per employee ($millions) | 5.2231% | 3,127 |
| Cash dividends to net income (ytd only)* | 31.1061% | 2,789 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0537% | 529 |
| Loan loss allowance to noncurrent loans | 59.1232% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 2.6241% | 165 |
| Noncurrent loans to loans | 3.4736% | 204 |
| Net loans and leases to total assets | 68.6922% | 1,738 |
| Net loans and leases to deposits | 98.7348% | 427 |
| Net loans and leases to core deposits | 127.5826% | 218 |
| Total domestic deposits to total assets | 69.5724% | 4,782 |
| Equity capital to assets | 26.2012% | 84 |
| Core capital (leverage) ratio | 23.5486% | 111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $410,306,200 | 1,828 |
| Average earning assets | $396,706,800 | 1,777 |
| Average equity | $106,417,600 | 920 |
| Average total loans | $300,040,000 | 1,682 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.9006% | 51 |
| Cost of funding earning assets | 1.0965% | 547 |
| Net interest margin | 5.8041% | 53 |
| Noninterest income to average assets | 0.1388% | 4,606 |
| Noninterest expense to average assets | 2.2341% | 3,596 |
| Loan and lease loss provision to assets | 0.6692% | 343 |
| Net operating income to assets | 2.2295% | 196 |
| Return on assets (ROA) | 2.2417% | 204 |
| Pretax return on assets | 2.8624% | 134 |
| Return on Equity (ROE) | 8.6669% | 2,538 |
| Retained earnings to average equity (ytd only) | 5.7614% | 2,204 |
| Net charge-offs to loans | 0.4463% | 353 |
| Credit loss provision to net charge-offs | 202.7972% | 2,108 |
| Earnings coverage of net charge-offs (x) | 10.6563% | 2,344 |
| Efficiency ratio | 38.8535% | 4,919 |
| Assets per employee ($millions) | 5.0801% | 3,144 |
| Cash dividends to net income (ytd only)* | 33.5245% | 2,205 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1220% | 403 |
| Loan loss allowance to noncurrent loans | 55.1314% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 2.8334% | 164 |
| Noncurrent loans to loans | 3.8490% | 173 |
| Net loans and leases to total assets | 67.8819% | 2,262 |
| Net loans and leases to deposits | 96.9896% | 688 |
| Net loans and leases to core deposits | 125.2444% | 318 |
| Total domestic deposits to total assets | 69.9888% | 4,757 |
| Equity capital to assets | 25.6846% | 93 |
| Core capital (leverage) ratio | 23.3482% | 121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $404,503,250 | 1,826 |
| Average earning assets | $391,068,750 | 1,773 |
| Average equity | $104,625,250 | 924 |
| Average total loans | $299,040,750 | 1,684 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.0450% | 62 |
| Cost of funding earning assets | 1.1478% | 613 |
| Net interest margin | 5.8972% | 71 |
| Noninterest income to average assets | 0.1452% | 4,581 |
| Noninterest expense to average assets | 2.4193% | 3,202 |
| Loan and lease loss provision to assets | 0.8245% | 291 |
| Net operating income to assets | 2.0471% | 299 |
| Return on assets (ROA) | 2.0587% | 326 |
| Pretax return on assets | 2.6125% | 177 |
| Return on Equity (ROE) | 7.9391% | 2,769 |
| Retained earnings to average equity (ytd only) | 4.9741% | 2,486 |
| Net charge-offs to loans | 0.0877% | 1,373 |
| Credit loss provision to net charge-offs | 1,244.2748% | 687 |
| Earnings coverage of net charge-offs (x) | 51.6489% | 1,080 |
| Efficiency ratio | 41.4148% | 4,875 |
| Assets per employee ($millions) | 4.9450% | 3,244 |
| Cash dividends to net income (ytd only)* | 37.3464% | 2,043 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2496% | 310 |
| Loan loss allowance to noncurrent loans | 56.6285% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 3.0555% | 152 |
| Noncurrent loans to loans | 3.9725% | 172 |
| Net loans and leases to total assets | 70.5662% | 1,942 |
| Net loans and leases to deposits | 102.9128% | 418 |
| Net loans and leases to core deposits | 136.7208% | 195 |
| Total domestic deposits to total assets | 68.5690% | 4,830 |
| Equity capital to assets | 25.8154% | 91 |
| Core capital (leverage) ratio | 23.9572% | 109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $395,400,333 | 1,828 |
| Average earning assets | $381,943,667 | 1,778 |
| Average equity | $102,530,667 | 929 |
| Average total loans | $298,895,333 | 1,668 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.2553% | 55 |
| Cost of funding earning assets | 1.2069% | 757 |
| Net interest margin | 6.0485% | 55 |
| Noninterest income to average assets | 0.1546% | 4,601 |
| Noninterest expense to average assets | 2.7952% | 2,446 |
| Loan and lease loss provision to assets | 1.1386% | 173 |
| Net operating income to assets | 1.6458% | 567 |
| Return on assets (ROA) | 1.6567% | 610 |
| Pretax return on assets | 2.0714% | 389 |
| Return on Equity (ROE) | 6.3732% | 3,186 |
| Retained earnings to average equity (ytd only) | 3.3192% | 2,950 |
| Net charge-offs to loans | 0.0243% | 1,878 |
| Credit loss provision to net charge-offs | 6,055.5556% | 124 |
| Earnings coverage of net charge-offs (x) | 170.0000% | 385 |
| Efficiency ratio | 46.6527% | 4,811 |
| Assets per employee ($millions) | 4.4539% | 3,329 |
| Cash dividends to net income (ytd only)* | 47.9193% | 1,691 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1301% | 412 |
| Loan loss allowance to noncurrent loans | 57.3901% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 3.2300% | 168 |
| Noncurrent loans to loans | 3.7116% | 236 |
| Net loans and leases to total assets | 76.7586% | 1,175 |
| Net loans and leases to deposits | 110.0851% | 187 |
| Net loans and leases to core deposits | 153.1294% | 106 |
| Total domestic deposits to total assets | 69.7266% | 4,862 |
| Equity capital to assets | 25.1055% | 111 |
| Core capital (leverage) ratio | 24.5663% | 118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.7299% | 220 |
| Memoranda: |
| Average total assets | $382,937,000 | 1,829 |
| Average earning assets | $369,548,000 | 1,779 |
| Average equity | $99,541,500 | 947 |
| Average total loans | $296,625,500 | 1,657 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.2530% | 64 |
| Cost of funding earning assets | 1.1781% | 1,076 |
| Net interest margin | 6.0749% | 62 |
| Noninterest income to average assets | 0.2077% | 4,417 |
| Noninterest expense to average assets | 2.5851% | 3,217 |
| Loan and lease loss provision to assets | 0.4147% | 339 |
| Net operating income to assets | 2.4456% | 145 |
| Return on assets (ROA) | 2.4579% | 152 |
| Pretax return on assets | 3.0877% | 93 |
| Return on Equity (ROE) | 9.5048% | 2,518 |
| Retained earnings to average equity (ytd only) | 6.3898% | 1,676 |
| Net charge-offs to loans | 0.7510% | 222 |
| Credit loss provision to net charge-offs | 72.3867% | 2,882 |
| Earnings coverage of net charge-offs (x) | 6.0870% | 3,005 |
| Efficiency ratio | 42.5729% | 5,015 |
| Assets per employee ($millions) | 4.4004% | 3,369 |
| Cash dividends to net income (ytd only)* | 32.7727% | 2,954 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8191% | 634 |
| Loan loss allowance to noncurrent loans | 39.6295% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 3.7342% | 114 |
| Noncurrent loans to loans | 4.5902% | 120 |
| Net loans and leases to total assets | 75.1002% | 1,569 |
| Net loans and leases to deposits | 111.5321% | 156 |
| Net loans and leases to core deposits | 157.5391% | 88 |
| Total domestic deposits to total assets | 67.3350% | 4,996 |
| Equity capital to assets | 26.8834% | 100 |
| Core capital (leverage) ratio | 24.8733% | 124 |
| Tier 1 risk-based capital ratio | 30.7901% | 448 |
| Total risk-based capital ratio | 32.0470% | 441 |
| Memoranda: |
| Average total assets | $377,396,800 | 1,813 |
| Average earning assets | $364,320,400 | 1,766 |
| Average equity | $97,593,200 | 918 |
| Average total loans | $287,874,200 | 1,656 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.3110% | 60 |
| Cost of funding earning assets | 1.1689% | 1,118 |
| Net interest margin | 6.1421% | 59 |
| Noninterest income to average assets | 0.2103% | 4,466 |
| Noninterest expense to average assets | 2.4600% | 3,538 |
| Loan and lease loss provision to assets | 0.3723% | 352 |
| Net operating income to assets | 2.6276% | 135 |
| Return on assets (ROA) | 2.6390% | 139 |
| Pretax return on assets | 3.3226% | 91 |
| Return on Equity (ROE) | 10.3092% | 2,298 |
| Retained earnings to average equity (ytd only) | 7.1512% | 1,787 |
| Net charge-offs to loans | 0.4866% | 348 |
| Credit loss provision to net charge-offs | 100.3824% | 2,239 |
| Earnings coverage of net charge-offs (x) | 9.9235% | 2,538 |
| Efficiency ratio | 40.0624% | 5,124 |
| Assets per employee ($millions) | 4.3207% | 3,454 |
| Cash dividends to net income (ytd only)* | 30.6328% | 2,578 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1358% | 370 |
| Loan loss allowance to noncurrent loans | 45.3898% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 3.6163% | 132 |
| Noncurrent loans to loans | 4.7054% | 117 |
| Net loans and leases to total assets | 71.4274% | 2,258 |
| Net loans and leases to deposits | 106.1663% | 315 |
| Net loans and leases to core deposits | 154.3003% | 107 |
| Total domestic deposits to total assets | 67.2788% | 5,077 |
| Equity capital to assets | 26.7511% | 106 |
| Core capital (leverage) ratio | 24.5022% | 128 |
| Tier 1 risk-based capital ratio | 34.1094% | 370 |
| Total risk-based capital ratio | 35.3719% | 366 |
| Memoranda: |
| Average total assets | $376,036,500 | 1,834 |
| Average earning assets | $363,061,750 | 1,786 |
| Average equity | $96,261,500 | 930 |
| Average total loans | $286,633,000 | 1,671 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.3061% | 60 |
| Cost of funding earning assets | 1.1434% | 1,153 |
| Net interest margin | 6.1627% | 61 |
| Noninterest income to average assets | 0.2135% | 4,462 |
| Noninterest expense to average assets | 2.5085% | 3,445 |
| Loan and lease loss provision to assets | 0.2749% | 541 |
| Net operating income to assets | 2.8739% | 99 |
| Return on assets (ROA) | 2.8844% | 102 |
| Pretax return on assets | 3.3958% | 93 |
| Return on Equity (ROE) | 11.4417% | 1,810 |
| Retained earnings to average equity (ytd only) | 8.2229% | 1,305 |
| Net charge-offs to loans | 0.3052% | 562 |
| Credit loss provision to net charge-offs | 116.5158% | 1,782 |
| Earnings coverage of net charge-offs (x) | 15.5045% | 1,982 |
| Efficiency ratio | 40.6769% | 5,148 |
| Assets per employee ($millions) | 4.3979% | 3,288 |
| Cash dividends to net income (ytd only)* | 28.1325% | 2,710 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0717% | 412 |
| Loan loss allowance to noncurrent loans | 47.3693% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 3.5332% | 142 |
| Noncurrent loans to loans | 4.3735% | 144 |
| Net loans and leases to total assets | 74.9387% | 1,735 |
| Net loans and leases to deposits | 109.9039% | 225 |
| Net loans and leases to core deposits | 163.9916% | 84 |
| Total domestic deposits to total assets | 68.1856% | 5,098 |
| Equity capital to assets | 26.1541% | 110 |
| Core capital (leverage) ratio | 24.2609% | 128 |
| Tier 1 risk-based capital ratio | 32.4826% | 405 |
| Total risk-based capital ratio | 33.7443% | 398 |
| Memoranda: |
| Average total assets | $374,640,670 | 1,849 |
| Average earning assets | $361,917,330 | 1,794 |
| Average equity | $94,444,000 | 938 |
| Average total loans | $289,673,670 | 1,663 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.2277% | 62 |
| Cost of funding earning assets | 1.0962% | 1,197 |
| Net interest margin | 6.1316% | 64 |
| Noninterest income to average assets | 0.1266% | 4,973 |
| Noninterest expense to average assets | 2.5694% | 3,297 |
| Loan and lease loss provision to assets | 0.5107% | 209 |
| Net operating income to assets | 2.4473% | 178 |
| Return on assets (ROA) | 2.4632% | 181 |
| Pretax return on assets | 3.0006% | 129 |
| Return on Equity (ROE) | 9.9603% | 2,388 |
| Retained earnings to average equity (ytd only) | 6.6633% | 2,174 |
| Net charge-offs to loans | 0.5894% | 252 |
| Credit loss provision to net charge-offs | 111.4754% | 1,484 |
| Earnings coverage of net charge-offs (x) | 7.6230% | 2,120 |
| Efficiency ratio | 42.3894% | 5,154 |
| Assets per employee ($millions) | 5.7537% | 1,746 |
| Cash dividends to net income (ytd only)* | 33.1010% | 2,135 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0615% | 443 |
| Loan loss allowance to noncurrent loans | 45.9314% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 3.6367% | 141 |
| Noncurrent loans to loans | 4.4882% | 151 |
| Net loans and leases to total assets | 75.8637% | 1,511 |
| Net loans and leases to deposits | 109.7401% | 223 |
| Net loans and leases to core deposits | 157.8171% | 97 |
| Total domestic deposits to total assets | 69.1304% | 5,135 |
| Equity capital to assets | 25.1101% | 114 |
| Core capital (leverage) ratio | 23.6151% | 137 |
| Tier 1 risk-based capital ratio | 32.8621% | 392 |
| Total risk-based capital ratio | 34.1248% | 383 |
| Memoranda: |
| Average total assets | $372,853,000 | 1,865 |
| Average earning assets | $360,887,000 | 1,806 |
| Average equity | $92,206,500 | 947 |
| Average total loans | $289,797,500 | 1,663 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.2865% | 61 |
| Cost of funding earning assets | 1.0436% | 625 |
| Net interest margin | 6.2430% | 64 |
| Noninterest income to average assets | 0.3100% | 4,042 |
| Noninterest expense to average assets | 2.5306% | 3,520 |
| Loan and lease loss provision to assets | 0.3727% | 392 |
| Net operating income to assets | 2.7135% | 109 |
| Return on assets (ROA) | 2.7803% | 104 |
| Pretax return on assets | 3.5254% | 66 |
| Return on Equity (ROE) | 12.2499% | 1,630 |
| Retained earnings to average equity (ytd only) | 12.2499% | 303 |
| Net charge-offs to loans | 0.4205% | 436 |
| Credit loss provision to net charge-offs | 114.5082% | 2,267 |
| Earnings coverage of net charge-offs (x) | 11.7172% | 2,606 |
| Efficiency ratio | 39.8890% | 5,285 |
| Assets per employee ($millions) | 4.1766% | 3,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0431% | 439 |
| Loan loss allowance to noncurrent loans | 48.0023% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 3.4914% | 150 |
| Noncurrent loans to loans | 4.2563% | 165 |
| Net loans and leases to total assets | 76.3963% | 1,538 |
| Net loans and leases to deposits | 106.7707% | 340 |
| Net loans and leases to core deposits | 159.5239% | 91 |
| Total domestic deposits to total assets | 71.5517% | 5,099 |
| Equity capital to assets | 24.3476% | 119 |
| Core capital (leverage) ratio | 22.8500% | 148 |
| Tier 1 risk-based capital ratio | 32.4600% | 385 |
| Total risk-based capital ratio | 33.7228% | 379 |
| Memoranda: |
| Average total assets | $374,849,600 | 1,814 |
| Average earning assets | $362,311,400 | 1,760 |
| Average equity | $85,078,400 | 982 |
| Average total loans | $290,121,600 | 1,634 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.2421% | 58 |
| Cost of funding earning assets | 1.0399% | 504 |
| Net interest margin | 6.2022% | 66 |
| Noninterest income to average assets | 0.3507% | 3,787 |
| Noninterest expense to average assets | 2.4463% | 3,745 |
| Loan and lease loss provision to assets | 0.4408% | 272 |
| Net operating income to assets | 2.7267% | 111 |
| Return on assets (ROA) | 2.7572% | 107 |
| Pretax return on assets | 3.4934% | 75 |
| Return on Equity (ROE) | 12.3708% | 1,654 |
| Retained earnings to average equity (ytd only) | 12.3708% | 431 |
| Net charge-offs to loans | 0.3864% | 420 |
| Credit loss provision to net charge-offs | 147.6813% | 1,729 |
| Earnings coverage of net charge-offs (x) | 13.0499% | 2,399 |
| Efficiency ratio | 38.5739% | 5,359 |
| Assets per employee ($millions) | 4.1776% | 3,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0990% | 412 |
| Loan loss allowance to noncurrent loans | 52.6014% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 3.2977% | 198 |
| Noncurrent loans to loans | 3.9904% | 204 |
| Net loans and leases to total assets | 77.1121% | 1,482 |
| Net loans and leases to deposits | 106.7191% | 412 |
| Net loans and leases to core deposits | 151.5763% | 124 |
| Total domestic deposits to total assets | 72.2571% | 5,109 |
| Equity capital to assets | 23.4312% | 133 |
| Core capital (leverage) ratio | 22.4183% | 154 |
| Tier 1 risk-based capital ratio | 31.3239% | 421 |
| Total risk-based capital ratio | 32.5875% | 416 |
| Memoranda: |
| Average total assets | $375,632,750 | 1,818 |
| Average earning assets | $362,848,500 | 1,763 |
| Average equity | $83,722,000 | 990 |
| Average total loans | $290,176,750 | 1,642 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1424% | 60 |
| Cost of funding earning assets | 1.0044% | 466 |
| Net interest margin | 6.1379% | 67 |
| Noninterest income to average assets | 0.3927% | 3,537 |
| Noninterest expense to average assets | 2.5003% | 3,631 |
| Loan and lease loss provision to assets | 0.4733% | 246 |
| Net operating income to assets | 2.6821% | 114 |
| Return on assets (ROA) | 2.6983% | 107 |
| Pretax return on assets | 3.3700% | 80 |
| Return on Equity (ROE) | 12.3138% | 1,615 |
| Retained earnings to average equity (ytd only) | 12.3138% | 473 |
| Net charge-offs to loans | 0.5441% | 269 |
| Credit loss provision to net charge-offs | 113.3418% | 1,857 |
| Earnings coverage of net charge-offs (x) | 9.1550% | 2,416 |
| Efficiency ratio | 39.5402% | 5,412 |
| Assets per employee ($millions) | 4.3520% | 3,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0265% | 495 |
| Loan loss allowance to noncurrent loans | 49.1019% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 3.2785% | 208 |
| Noncurrent loans to loans | 4.1272% | 207 |
| Net loans and leases to total assets | 74.6969% | 1,833 |
| Net loans and leases to deposits | 101.0450% | 730 |
| Net loans and leases to core deposits | 148.9660% | 129 |
| Total domestic deposits to total assets | 73.9243% | 5,050 |
| Equity capital to assets | 22.2412% | 157 |
| Core capital (leverage) ratio | 21.3405% | 183 |
| Tier 1 risk-based capital ratio | 30.6248% | 456 |
| Total risk-based capital ratio | 31.8871% | 449 |
| Memoranda: |
| Average total assets | $376,909,330 | 1,825 |
| Average earning assets | $364,193,330 | 1,756 |
| Average equity | $82,590,000 | 1,002 |
| Average total loans | $289,285,000 | 1,649 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.0877% | 57 |
| Cost of funding earning assets | 0.9869% | 390 |
| Net interest margin | 6.1008% | 63 |
| Noninterest income to average assets | 0.2936% | 4,200 |
| Noninterest expense to average assets | 2.5252% | 3,571 |
| Loan and lease loss provision to assets | 0.6297% | 159 |
| Net operating income to assets | 2.3801% | 179 |
| Return on assets (ROA) | 2.3943% | 177 |
| Pretax return on assets | 3.0549% | 110 |
| Return on Equity (ROE) | 11.0100% | 1,964 |
| Retained earnings to average equity (ytd only) | 11.0100% | 896 |
| Net charge-offs to loans | 0.6961% | 215 |
| Credit loss provision to net charge-offs | 117.4603% | 1,399 |
| Earnings coverage of net charge-offs (x) | 6.8393% | 2,133 |
| Efficiency ratio | 40.7834% | 5,440 |
| Assets per employee ($millions) | 4.4714% | 3,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0304% | 507 |
| Loan loss allowance to noncurrent loans | 46.4898% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 3.6033% | 198 |
| Noncurrent loans to loans | 4.3675% | 208 |
| Net loans and leases to total assets | 74.9446% | 1,715 |
| Net loans and leases to deposits | 101.1655% | 631 |
| Net loans and leases to core deposits | 145.3297% | 163 |
| Total domestic deposits to total assets | 74.0812% | 5,147 |
| Equity capital to assets | 21.9079% | 159 |
| Core capital (leverage) ratio | 20.7604% | 188 |
| Tier 1 risk-based capital ratio | 30.9600% | 439 |
| Total risk-based capital ratio | 32.2238% | 433 |
| Memoranda: |
| Average total assets | $376,053,500 | 1,839 |
| Average earning assets | $363,559,000 | 1,774 |
| Average equity | $81,780,000 | 1,016 |
| Average total loans | $289,593,500 | 1,656 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1511% | 55 |
| Cost of funding earning assets | 1.0392% | 179 |
| Net interest margin | 6.1119% | 64 |
| Noninterest income to average assets | 0.4546% | 3,280 |
| Noninterest expense to average assets | 2.6103% | 3,410 |
| Loan and lease loss provision to assets | 0.4107% | 355 |
| Net operating income to assets | 2.5883% | 110 |
| Return on assets (ROA) | 2.5419% | 114 |
| Pretax return on assets | 3.2763% | 85 |
| Return on Equity (ROE) | 13.0234% | 949 |
| Retained earnings to average equity (ytd only) | 13.0234% | 132 |
| Net charge-offs to loans | 0.4316% | 564 |
| Credit loss provision to net charge-offs | 126.6077% | 2,079 |
| Earnings coverage of net charge-offs (x) | 11.5482% | 2,563 |
| Efficiency ratio | 41.0626% | 5,508 |
| Assets per employee ($millions) | 4.4295% | 3,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9687% | 568 |
| Loan loss allowance to noncurrent loans | 92.6774% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 1.8162% | 679 |
| Noncurrent loans to loans | 2.1243% | 703 |
| Net loans and leases to total assets | 75.9919% | 1,597 |
| Net loans and leases to deposits | 100.4004% | 701 |
| Net loans and leases to core deposits | 141.6306% | 195 |
| Total domestic deposits to total assets | 75.6889% | 5,015 |
| Equity capital to assets | 21.5863% | 163 |
| Core capital (leverage) ratio | 20.1235% | 195 |
| Tier 1 risk-based capital ratio | 29.4549% | 481 |
| Total risk-based capital ratio | 30.7176% | 475 |
| Memoranda: |
| Average total assets | $383,445,800 | 1,780 |
| Average earning assets | $370,294,000 | 1,704 |
| Average equity | $74,842,400 | 1,071 |
| Average total loans | $288,237,600 | 1,616 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.0971% | 55 |
| Cost of funding earning assets | 1.0538% | 149 |
| Net interest margin | 6.0433% | 67 |
| Noninterest income to average assets | 0.4119% | 3,610 |
| Noninterest expense to average assets | 2.4684% | 3,828 |
| Loan and lease loss provision to assets | 0.5030% | 234 |
| Net operating income to assets | 2.2785% | 184 |
| Return on assets (ROA) | 2.2199% | 208 |
| Pretax return on assets | 3.1870% | 101 |
| Return on Equity (ROE) | 11.6754% | 1,435 |
| Retained earnings to average equity (ytd only) | 11.6754% | 324 |
| Net charge-offs to loans | 0.5035% | 408 |
| Credit loss provision to net charge-offs | 133.9171% | 1,841 |
| Earnings coverage of net charge-offs (x) | 10.0479% | 2,637 |
| Efficiency ratio | 39.5442% | 5,590 |
| Assets per employee ($millions) | 4.6382% | 2,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9918% | 576 |
| Loan loss allowance to noncurrent loans | 98.1834% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 1.7284% | 825 |
| Noncurrent loans to loans | 2.0287% | 834 |
| Net loans and leases to total assets | 73.9164% | 1,927 |
| Net loans and leases to deposits | 98.1079% | 903 |
| Net loans and leases to core deposits | 139.9782% | 202 |
| Total domestic deposits to total assets | 75.3420% | 5,093 |
| Equity capital to assets | 20.2813% | 218 |
| Core capital (leverage) ratio | 19.2936% | 237 |
| Tier 1 risk-based capital ratio | 28.4077% | 542 |
| Total risk-based capital ratio | 29.6705% | 538 |
| Memoranda: |
| Average total assets | $385,180,500 | 1,785 |
| Average earning assets | $371,597,750 | 1,713 |
| Average equity | $73,234,500 | 1,096 |
| Average total loans | $287,331,750 | 1,632 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.9953% | 61 |
| Cost of funding earning assets | 1.0807% | 110 |
| Net interest margin | 5.9145% | 78 |
| Noninterest income to average assets | 0.4091% | 3,629 |
| Noninterest expense to average assets | 2.5485% | 3,581 |
| Loan and lease loss provision to assets | 0.5202% | 220 |
| Net operating income to assets | 2.1915% | 216 |
| Return on assets (ROA) | 2.1067% | 259 |
| Pretax return on assets | 2.9389% | 118 |
| Return on Equity (ROE) | 11.3320% | 1,522 |
| Retained earnings to average equity (ytd only) | 11.3320% | 396 |
| Net charge-offs to loans | 0.6300% | 315 |
| Credit loss provision to net charge-offs | 111.0865% | 1,876 |
| Earnings coverage of net charge-offs (x) | 7.6386% | 2,583 |
| Efficiency ratio | 41.6052% | 5,588 |
| Assets per employee ($millions) | 4.6144% | 2,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8860% | 741 |
| Loan loss allowance to noncurrent loans | 103.3546% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 1.6669% | 884 |
| Noncurrent loans to loans | 1.8248% | 982 |
| Net loans and leases to total assets | 74.9087% | 1,711 |
| Net loans and leases to deposits | 98.2349% | 875 |
| Net loans and leases to core deposits | 146.9373% | 144 |
| Total domestic deposits to total assets | 76.2546% | 5,062 |
| Equity capital to assets | 19.6302% | 236 |
| Core capital (leverage) ratio | 18.4903% | 271 |
| Tier 1 risk-based capital ratio | 27.2483% | 595 |
| Total risk-based capital ratio | 28.5092% | 585 |
| Memoranda: |
| Average total assets | $385,250,670 | 1,783 |
| Average earning assets | $372,336,670 | 1,716 |
| Average equity | $71,620,330 | 1,112 |
| Average total loans | $286,329,330 | 1,630 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.8851% | 64 |
| Cost of funding earning assets | 1.1154% | 88 |
| Net interest margin | 5.7697% | 89 |
| Noninterest income to average assets | 0.3810% | 3,798 |
| Noninterest expense to average assets | 2.7351% | 3,014 |
| Loan and lease loss provision to assets | 0.4969% | 208 |
| Net operating income to assets | 2.0289% | 287 |
| Return on assets (ROA) | 2.0167% | 305 |
| Pretax return on assets | 2.7124% | 165 |
| Return on Equity (ROE) | 11.1571% | 1,515 |
| Retained earnings to average equity (ytd only) | 11.1571% | 581 |
| Net charge-offs to loans | 0.6566% | 271 |
| Credit loss provision to net charge-offs | 103.2258% | 1,533 |
| Earnings coverage of net charge-offs (x) | 6.7011% | 2,196 |
| Efficiency ratio | 45.8840% | 5,536 |
| Assets per employee ($millions) | 4.6404% | 2,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9306% | 750 |
| Loan loss allowance to noncurrent loans | 102.5888% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 1.6075% | 970 |
| Noncurrent loans to loans | 1.8819% | 977 |
| Net loans and leases to total assets | 70.7500% | 2,255 |
| Net loans and leases to deposits | 93.8669% | 1,120 |
| Net loans and leases to core deposits | 141.3840% | 161 |
| Total domestic deposits to total assets | 75.3728% | 5,300 |
| Equity capital to assets | 18.2189% | 292 |
| Core capital (leverage) ratio | 17.7302% | 308 |
| Tier 1 risk-based capital ratio | 26.8119% | 637 |
| Total risk-based capital ratio | 28.0731% | 625 |
| Memoranda: |
| Average total assets | $386,377,500 | 1,789 |
| Average earning assets | $373,675,500 | 1,719 |
| Average equity | $69,839,000 | 1,135 |
| Average total loans | $283,287,500 | 1,653 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1606% | 53 |
| Cost of funding earning assets | 1.1244% | 83 |
| Net interest margin | 6.0362% | 67 |
| Noninterest income to average assets | 0.6906% | 2,216 |
| Noninterest expense to average assets | 2.4915% | 4,039 |
| Loan and lease loss provision to assets | 0.4669% | 300 |
| Net operating income to assets | 2.4251% | 158 |
| Return on assets (ROA) | 2.4453% | 157 |
| Pretax return on assets | 3.5938% | 84 |
| Return on Equity (ROE) | 13.6944% | 823 |
| Retained earnings to average equity (ytd only) | 13.6944% | 141 |
| Net charge-offs to loans | 0.4731% | 526 |
| Credit loss provision to net charge-offs | 131.1550% | 2,050 |
| Earnings coverage of net charge-offs (x) | 11.3237% | 2,548 |
| Efficiency ratio | 38.1993% | 5,811 |
| Assets per employee ($millions) | 4.7870% | 2,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8975% | 807 |
| Loan loss allowance to noncurrent loans | 87.5788% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 1.8138% | 806 |
| Noncurrent loans to loans | 2.1667% | 791 |
| Net loans and leases to total assets | 73.1018% | 1,998 |
| Net loans and leases to deposits | 96.6936% | 937 |
| Net loans and leases to core deposits | 150.4113% | 110 |
| Total domestic deposits to total assets | 75.6016% | 5,283 |
| Equity capital to assets | 17.9291% | 305 |
| Core capital (leverage) ratio | 17.1979% | 347 |
| Tier 1 risk-based capital ratio | 26.4434% | 661 |
| Total risk-based capital ratio | 27.7050% | 644 |
| Memoranda: |
| Average total assets | $369,691,000 | 1,811 |
| Average earning assets | $357,177,400 | 1,735 |
| Average equity | $66,012,400 | 1,188 |
| Average total loans | $278,171,000 | 1,627 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1931% | 50 |
| Cost of funding earning assets | 1.1133% | 86 |
| Net interest margin | 6.0799% | 65 |
| Noninterest income to average assets | 0.8225% | 1,680 |
| Noninterest expense to average assets | 2.5958% | 3,677 |
| Loan and lease loss provision to assets | 0.3912% | 381 |
| Net operating income to assets | 2.5528% | 150 |
| Return on assets (ROA) | 2.5736% | 147 |
| Pretax return on assets | 3.7385% | 84 |
| Return on Equity (ROE) | 14.4286% | 751 |
| Retained earnings to average equity (ytd only) | 14.4286% | 152 |
| Net charge-offs to loans | 0.4380% | 490 |
| Credit loss provision to net charge-offs | 118.3921% | 2,114 |
| Earnings coverage of net charge-offs (x) | 12.4063% | 2,396 |
| Efficiency ratio | 38.7705% | 5,854 |
| Assets per employee ($millions) | 4.9661% | 2,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8273% | 961 |
| Loan loss allowance to noncurrent loans | 114.7836% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 1.2967% | 1,482 |
| Noncurrent loans to loans | 1.5920% | 1,356 |
| Net loans and leases to total assets | 70.8122% | 2,373 |
| Net loans and leases to deposits | 94.5279% | 1,204 |
| Net loans and leases to core deposits | 146.3493% | 151 |
| Total domestic deposits to total assets | 74.9114% | 5,347 |
| Equity capital to assets | 17.9038% | 351 |
| Core capital (leverage) ratio | 16.9354% | 371 |
| Tier 1 risk-based capital ratio | 25.6495% | 749 |
| Total risk-based capital ratio | 26.9095% | 729 |
| Memoranda: |
| Average total assets | $366,373,000 | 1,830 |
| Average earning assets | $353,902,000 | 1,755 |
| Average equity | $65,350,000 | 1,210 |
| Average total loans | $276,371,750 | 1,632 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1339% | 51 |
| Cost of funding earning assets | 1.1072% | 88 |
| Net interest margin | 6.0267% | 70 |
| Noninterest income to average assets | 0.9997% | 1,115 |
| Noninterest expense to average assets | 2.6316% | 3,607 |
| Loan and lease loss provision to assets | 0.3718% | 420 |
| Net operating income to assets | 2.6320% | 127 |
| Return on assets (ROA) | 2.6529% | 121 |
| Pretax return on assets | 3.8421% | 77 |
| Return on Equity (ROE) | 14.8933% | 685 |
| Retained earnings to average equity (ytd only) | 14.8933% | 151 |
| Net charge-offs to loans | 0.3691% | 624 |
| Credit loss provision to net charge-offs | 131.4229% | 1,759 |
| Earnings coverage of net charge-offs (x) | 14.7885% | 2,038 |
| Efficiency ratio | 38.6136% | 5,934 |
| Assets per employee ($millions) | 4.4690% | 3,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8343% | 1,019 |
| Loan loss allowance to noncurrent loans | 120.4524% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 1.3650% | 1,449 |
| Noncurrent loans to loans | 1.5228% | 1,429 |
| Net loans and leases to total assets | 75.4297% | 1,575 |
| Net loans and leases to deposits | 102.4746% | 537 |
| Net loans and leases to core deposits | 140.0896% | 183 |
| Total domestic deposits to total assets | 73.6081% | 5,559 |
| Equity capital to assets | 18.5592% | 290 |
| Core capital (leverage) ratio | 17.2353% | 347 |
| Tier 1 risk-based capital ratio | 25.9494% | 728 |
| Total risk-based capital ratio | 27.2107% | 706 |
| Memoranda: |
| Average total assets | $357,724,670 | 1,876 |
| Average earning assets | $345,197,330 | 1,800 |
| Average equity | $63,720,000 | 1,238 |
| Average total loans | $274,169,000 | 1,647 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.0197% | 55 |
| Cost of funding earning assets | 1.1102% | 91 |
| Net interest margin | 5.9095% | 75 |
| Noninterest income to average assets | 1.2871% | 662 |
| Noninterest expense to average assets | 2.7507% | 3,234 |
| Loan and lease loss provision to assets | 0.3826% | 373 |
| Net operating income to assets | 2.5680% | 144 |
| Return on assets (ROA) | 2.5900% | 145 |
| Pretax return on assets | 3.8929% | 81 |
| Return on Equity (ROE) | 14.8633% | 696 |
| Retained earnings to average equity (ytd only) | 14.8633% | 259 |
| Net charge-offs to loans | 0.5413% | 402 |
| Credit loss provision to net charge-offs | 92.3497% | 1,744 |
| Earnings coverage of net charge-offs (x) | 10.2404% | 1,935 |
| Efficiency ratio | 39.3331% | 5,980 |
| Assets per employee ($millions) | 4.3698% | 3,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8161% | 1,121 |
| Loan loss allowance to noncurrent loans | 130.3483% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 1.3376% | 1,595 |
| Noncurrent loans to loans | 1.3933% | 1,714 |
| Net loans and leases to total assets | 75.1049% | 1,535 |
| Net loans and leases to deposits | 99.7199% | 641 |
| Net loans and leases to core deposits | 136.5653% | 204 |
| Total domestic deposits to total assets | 75.3158% | 5,486 |
| Equity capital to assets | 17.6093% | 365 |
| Core capital (leverage) ratio | 16.7529% | 393 |
| Tier 1 risk-based capital ratio | 25.5925% | 764 |
| Total risk-based capital ratio | 26.8537% | 750 |
| Memoranda: |
| Average total assets | $353,360,000 | 1,894 |
| Average earning assets | $341,212,500 | 1,821 |
| Average equity | $61,574,500 | 1,271 |
| Average total loans | $270,463,500 | 1,668 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.6048% | 45 |
| Cost of funding earning assets | 1.0101% | 169 |
| Net interest margin | 6.5948% | 52 |
| Noninterest income to average assets | 1.0593% | 1,050 |
| Noninterest expense to average assets | 2.8507% | 3,029 |
| Loan and lease loss provision to assets | 0.4972% | 226 |
| Net operating income to assets | 2.7456% | 112 |
| Return on assets (ROA) | 2.7572% | 109 |
| Pretax return on assets | 4.0745% | 72 |
| Return on Equity (ROE) | 16.6903% | 487 |
| Retained earnings to average equity (ytd only) | 16.6903% | 99 |
| Net charge-offs to loans | 0.5055% | 516 |
| Credit loss provision to net charge-offs | 128.2129% | 2,037 |
| Earnings coverage of net charge-offs (x) | 11.7452% | 2,530 |
| Efficiency ratio | 38.4955% | 6,083 |
| Assets per employee ($millions) | 3.9818% | 3,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8606% | 1,033 |
| Loan loss allowance to noncurrent loans | 85.2811% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 2.3211% | 692 |
| Noncurrent loans to loans | 2.1817% | 918 |
| Net loans and leases to total assets | 75.3567% | 1,516 |
| Net loans and leases to deposits | 99.9485% | 677 |
| Net loans and leases to core deposits | 133.1486% | 230 |
| Total domestic deposits to total assets | 75.3956% | 5,510 |
| Equity capital to assets | 17.5287% | 358 |
| Core capital (leverage) ratio | 16.9084% | 374 |
| Tier 1 risk-based capital ratio | 25.9502% | 745 |
| Total risk-based capital ratio | 27.2124% | 724 |
| Memoranda: |
| Average total assets | $339,106,000 | 1,926 |
| Average earning assets | $326,318,400 | 1,859 |
| Average equity | $56,020,400 | 1,335 |
| Average total loans | $260,160,600 | 1,670 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.6262% | 45 |
| Cost of funding earning assets | 0.9945% | 187 |
| Net interest margin | 6.6317% | 53 |
| Noninterest income to average assets | 1.1506% | 901 |
| Noninterest expense to average assets | 2.9308% | 2,740 |
| Loan and lease loss provision to assets | 0.6015% | 152 |
| Net operating income to assets | 2.7487% | 113 |
| Return on assets (ROA) | 2.7643% | 112 |
| Pretax return on assets | 4.0183% | 78 |
| Return on Equity (ROE) | 17.0033% | 468 |
| Retained earnings to average equity (ytd only) | 17.0033% | 105 |
| Net charge-offs to loans | 0.5634% | 408 |
| Credit loss provision to net charge-offs | 139.1743% | 1,778 |
| Earnings coverage of net charge-offs (x) | 10.6376% | 2,580 |
| Efficiency ratio | 38.9319% | 6,147 |
| Assets per employee ($millions) | 4.0548% | 3,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8996% | 1,074 |
| Loan loss allowance to noncurrent loans | 101.5854% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 2.2906% | 803 |
| Noncurrent loans to loans | 1.8699% | 1,240 |
| Net loans and leases to total assets | 75.8479% | 1,407 |
| Net loans and leases to deposits | 99.6584% | 684 |
| Net loans and leases to core deposits | 130.6311% | 265 |
| Total domestic deposits to total assets | 76.1079% | 5,471 |
| Equity capital to assets | 16.8440% | 449 |
| Core capital (leverage) ratio | 16.4001% | 439 |
| Tier 1 risk-based capital ratio | 24.9165% | 863 |
| Total risk-based capital ratio | 26.1792% | 852 |
| Memoranda: |
| Average total assets | $336,283,500 | 1,961 |
| Average earning assets | $323,386,000 | 1,882 |
| Average equity | $54,670,500 | 1,373 |
| Average total loans | $257,937,500 | 1,689 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.6084% | 46 |
| Cost of funding earning assets | 0.9762% | 199 |
| Net interest margin | 6.6322% | 52 |
| Noninterest income to average assets | 1.2102% | 829 |
| Noninterest expense to average assets | 2.9848% | 2,605 |
| Loan and lease loss provision to assets | 0.4294% | 256 |
| Net operating income to assets | 2.9001% | 99 |
| Return on assets (ROA) | 2.9266% | 97 |
| Pretax return on assets | 4.2190% | 78 |
| Return on Equity (ROE) | 18.2286% | 401 |
| Retained earnings to average equity (ytd only) | 18.2286% | 99 |
| Net charge-offs to loans | 0.4312% | 597 |
| Credit loss provision to net charge-offs | 130.1818% | 1,696 |
| Earnings coverage of net charge-offs (x) | 13.9764% | 2,091 |
| Efficiency ratio | 39.3004% | 6,217 |
| Assets per employee ($millions) | 3.7582% | 4,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8423% | 1,288 |
| Loan loss allowance to noncurrent loans | 83.4057% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 2.5293% | 742 |
| Noncurrent loans to loans | 2.2089% | 1,083 |
| Net loans and leases to total assets | 76.4587% | 1,303 |
| Net loans and leases to deposits | 98.1279% | 780 |
| Net loans and leases to core deposits | 127.7903% | 313 |
| Total domestic deposits to total assets | 77.9174% | 5,294 |
| Equity capital to assets | 16.5155% | 464 |
| Core capital (leverage) ratio | 16.0596% | 459 |
| Tier 1 risk-based capital ratio | 24.9409% | 869 |
| Total risk-based capital ratio | 26.2030% | 853 |
| Memoranda: |
| Average total assets | $333,490,670 | 1,993 |
| Average earning assets | $321,039,670 | 1,909 |
| Average equity | $53,542,330 | 1,409 |
| Average total loans | $255,089,670 | 1,713 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.4703% | 49 |
| Cost of funding earning assets | 0.9601% | 216 |
| Net interest margin | 6.5102% | 55 |
| Noninterest income to average assets | 0.7760% | 1,806 |
| Noninterest expense to average assets | 2.9117% | 2,868 |
| Loan and lease loss provision to assets | 0.0745% | 2,455 |
| Net operating income to assets | 2.6940% | 109 |
| Return on assets (ROA) | 2.7027% | 122 |
| Pretax return on assets | 4.0745% | 89 |
| Return on Equity (ROE) | 17.0801% | 463 |
| Retained earnings to average equity (ytd only) | 17.0801% | 175 |
| Net charge-offs to loans | 0.2821% | 853 |
| Credit loss provision to net charge-offs | 34.8315% | 2,229 |
| Earnings coverage of net charge-offs (x) | 19.3427% | 1,450 |
| Efficiency ratio | 41.3158% | 6,239 |
| Assets per employee ($millions) | 3.9912% | 3,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7837% | 1,530 |
| Loan loss allowance to noncurrent loans | 72.6644% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 2.6337% | 789 |
| Noncurrent loans to loans | 2.4546% | 995 |
| Net loans and leases to total assets | 74.2212% | 1,465 |
| Net loans and leases to deposits | 95.3709% | 876 |
| Net loans and leases to core deposits | 123.6506% | 335 |
| Total domestic deposits to total assets | 77.8237% | 5,483 |
| Equity capital to assets | 16.1359% | 529 |
| Core capital (leverage) ratio | 15.4598% | 543 |
| Tier 1 risk-based capital ratio | 24.5751% | 929 |
| Total risk-based capital ratio | 25.8366% | 913 |
| Memoranda: |
| Average total assets | $332,996,000 | 1,998 |
| Average earning assets | $320,788,500 | 1,919 |
| Average equity | $52,693,000 | 1,440 |
| Average total loans | $252,365,000 | 1,724 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.9911% | 29 |
| Cost of funding earning assets | 0.9430% | 303 |
| Net interest margin | 8.0481% | 33 |
| Noninterest income to average assets | 0.6219% | 2,727 |
| Noninterest expense to average assets | 3.4438% | 1,616 |
| Loan and lease loss provision to assets | 0.3853% | 475 |
| Net operating income to assets | 2.9994% | 92 |
| Return on assets (ROA) | 2.9830% | 92 |
| Pretax return on assets | 4.4852% | 65 |
| Return on Equity (ROE) | 22.0218% | 176 |
| Retained earnings to average equity (ytd only) | 22.0218% | 52 |
| Net charge-offs to loans | 0.3806% | 1,125 |
| Credit loss provision to net charge-offs | 131.7149% | 1,808 |
| Earnings coverage of net charge-offs (x) | 16.7335% | 1,988 |
| Efficiency ratio | 41.2988% | 6,376 |
| Assets per employee ($millions) | 3.7583% | 4,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8439% | 1,439 |
| Loan loss allowance to noncurrent loans | 71.8828% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 2.6656% | 840 |
| Noncurrent loans to loans | 2.5651% | 981 |
| Net loans and leases to total assets | 74.6048% | 1,478 |
| Net loans and leases to deposits | 95.2609% | 960 |
| Net loans and leases to core deposits | 120.0612% | 408 |
| Total domestic deposits to total assets | 78.3163% | 5,372 |
| Equity capital to assets | 15.5076% | 605 |
| Core capital (leverage) ratio | 14.7513% | 656 |
| Tier 1 risk-based capital ratio | 22.8402% | 1,106 |
| Total risk-based capital ratio | 24.1016% | 1,083 |
| Memoranda: |
| Average total assets | $330,911,200 | 1,962 |
| Average earning assets | $317,291,800 | 1,889 |
| Average equity | $44,823,800 | 1,612 |
| Average total loans | $254,322,800 | 1,664 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.3760% | 26 |
| Cost of funding earning assets | 0.9368% | 327 |
| Net interest margin | 8.4393% | 30 |
| Noninterest income to average assets | 0.7965% | 1,907 |
| Noninterest expense to average assets | 3.3554% | 1,780 |
| Loan and lease loss provision to assets | 0.4943% | 304 |
| Net operating income to assets | 3.3499% | 78 |
| Return on assets (ROA) | 3.3297% | 79 |
| Pretax return on assets | 4.9955% | 61 |
| Return on Equity (ROE) | 25.5040% | 95 |
| Retained earnings to average equity (ytd only) | 25.5040% | 34 |
| Net charge-offs to loans | 0.3602% | 1,119 |
| Credit loss provision to net charge-offs | 178.0842% | 1,402 |
| Earnings coverage of net charge-offs (x) | 19.8869% | 1,765 |
| Efficiency ratio | 37.8058% | 6,486 |
| Assets per employee ($millions) | 4.0351% | 3,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9543% | 1,340 |
| Loan loss allowance to noncurrent loans | 78.1561% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 2.9842% | 794 |
| Noncurrent loans to loans | 2.5005% | 1,171 |
| Net loans and leases to total assets | 73.7809% | 1,557 |
| Net loans and leases to deposits | 93.4923% | 1,081 |
| Net loans and leases to core deposits | 117.8151% | 441 |
| Total domestic deposits to total assets | 78.9166% | 5,345 |
| Equity capital to assets | 14.7270% | 800 |
| Core capital (leverage) ratio | 14.1343% | 810 |
| Tier 1 risk-based capital ratio | 22.6845% | 1,162 |
| Total risk-based capital ratio | 23.9484% | 1,141 |
| Memoranda: |
| Average total assets | $330,957,000 | 1,973 |
| Average earning assets | $316,828,000 | 1,900 |
| Average equity | $43,207,750 | 1,670 |
| Average total loans | $255,060,000 | 1,668 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 10.2789% | 20 |
| Cost of funding earning assets | 0.9276% | 366 |
| Net interest margin | 9.3513% | 21 |
| Noninterest income to average assets | 0.5052% | 3,447 |
| Noninterest expense to average assets | 3.2165% | 2,144 |
| Loan and lease loss provision to assets | 0.4840% | 310 |
| Net operating income to assets | 3.5770% | 70 |
| Return on assets (ROA) | 3.5863% | 71 |
| Pretax return on assets | 5.7435% | 50 |
| Return on Equity (ROE) | 28.6941% | 69 |
| Retained earnings to average equity (ytd only) | 28.6941% | 33 |
| Net charge-offs to loans | 0.6130% | 653 |
| Credit loss provision to net charge-offs | 101.6497% | 1,954 |
| Earnings coverage of net charge-offs (x) | 13.0482% | 2,006 |
| Efficiency ratio | 34.1109% | 6,587 |
| Assets per employee ($millions) | 4.0472% | 3,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7031% | 2,125 |
| Loan loss allowance to noncurrent loans | 67.6801% | 4,584 |
| Noncurrent assets plus other real estate owned to assets | 3.0963% | 822 |
| Noncurrent loans to loans | 2.5164% | 1,234 |
| Net loans and leases to total assets | 74.5862% | 1,364 |
| Net loans and leases to deposits | 93.0130% | 1,051 |
| Net loans and leases to core deposits | 116.4791% | 466 |
| Total domestic deposits to total assets | 80.1890% | 5,198 |
| Equity capital to assets | 13.5818% | 1,128 |
| Core capital (leverage) ratio | 13.3917% | 1,016 |
| Tier 1 risk-based capital ratio | 20.6100% | 1,539 |
| Total risk-based capital ratio | 21.8694% | 1,511 |
| Memoranda: |
| Average total assets | $330,982,330 | 1,972 |
| Average earning assets | $315,869,330 | 1,898 |
| Average equity | $41,367,330 | 1,736 |
| Average total loans | $257,082,330 | 1,649 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.9163% | 43 |
| Cost of funding earning assets | 0.9279% | 394 |
| Net interest margin | 6.9883% | 46 |
| Noninterest income to average assets | 0.5954% | 2,762 |
| Noninterest expense to average assets | 3.1999% | 2,236 |
| Loan and lease loss provision to assets | 0.5114% | 285 |
| Net operating income to assets | 2.3596% | 184 |
| Return on assets (ROA) | 2.3768% | 193 |
| Pretax return on assets | 3.5578% | 102 |
| Return on Equity (ROE) | 19.8986% | 293 |
| Retained earnings to average equity (ytd only) | 19.8986% | 120 |
| Net charge-offs to loans | 0.5593% | 660 |
| Credit loss provision to net charge-offs | 116.3435% | 1,490 |
| Earnings coverage of net charge-offs (x) | 9.1994% | 1,956 |
| Efficiency ratio | 44.1755% | 6,494 |
| Assets per employee ($millions) | 4.1719% | 3,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6935% | 2,372 |
| Loan loss allowance to noncurrent loans | 58.7384% | 4,892 |
| Noncurrent assets plus other real estate owned to assets | 3.7582% | 666 |
| Noncurrent loans to loans | 2.8830% | 1,133 |
| Net loans and leases to total assets | 76.2875% | 970 |
| Net loans and leases to deposits | 92.6246% | 906 |
| Net loans and leases to core deposits | 114.2871% | 457 |
| Total domestic deposits to total assets | 82.3621% | 4,831 |
| Equity capital to assets | 12.1719% | 1,763 |
| Core capital (leverage) ratio | 12.3042% | 1,476 |
| Tier 1 risk-based capital ratio | 18.4334% | 2,142 |
| Total risk-based capital ratio | 19.6925% | 2,102 |
| Memoranda: |
| Average total assets | $328,513,500 | 1,989 |
| Average earning assets | $312,520,500 | 1,928 |
| Average equity | $39,239,000 | 1,799 |
| Average total loans | $258,178,000 | 1,647 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.7599% | 52 |
| Cost of funding earning assets | 1.0592% | 341 |
| Net interest margin | 6.7007% | 52 |
| Noninterest income to average assets | 0.8084% | 2,044 |
| Noninterest expense to average assets | 3.0807% | 2,799 |
| Loan and lease loss provision to assets | 0.4449% | 653 |
| Net operating income to assets | 2.4344% | 183 |
| Return on assets (ROA) | 2.3884% | 197 |
| Pretax return on assets | 3.5818% | 82 |
| Return on Equity (ROE) | 22.4037% | 192 |
| Retained earnings to average equity (ytd only) | 22.4037% | 67 |
| Net charge-offs to loans | 0.6897% | 946 |
| Credit loss provision to net charge-offs | 82.2472% | 2,981 |
| Earnings coverage of net charge-offs (x) | 7.5708% | 2,813 |
| Efficiency ratio | 42.9297% | 6,640 |
| Assets per employee ($millions) | 3.9424% | 3,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6817% | 2,458 |
| Loan loss allowance to noncurrent loans | 57.0750% | 4,971 |
| Noncurrent assets plus other real estate owned to assets | 3.8150% | 718 |
| Noncurrent loans to loans | 2.9465% | 1,179 |
| Net loans and leases to total assets | 78.2711% | 789 |
| Net loans and leases to deposits | 95.1241% | 788 |
| Net loans and leases to core deposits | 109.1992% | 641 |
| Total domestic deposits to total assets | 82.2832% | 4,770 |
| Equity capital to assets | 11.7095% | 2,022 |
| Core capital (leverage) ratio | 11.9911% | 1,612 |
| Tier 1 risk-based capital ratio | 17.0146% | 2,598 |
| Total risk-based capital ratio | 18.2728% | 2,567 |
| Memoranda: |
| Average total assets | $329,053,200 | 1,960 |
| Average earning assets | $312,698,000 | 1,895 |
| Average equity | $35,079,000 | 1,968 |
| Average total loans | $258,081,600 | 1,608 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.7377% | 54 |
| Cost of funding earning assets | 1.0892% | 329 |
| Net interest margin | 6.6486% | 55 |
| Noninterest income to average assets | 0.9513% | 1,598 |
| Noninterest expense to average assets | 2.9369% | 3,179 |
| Loan and lease loss provision to assets | 0.2021% | 1,798 |
| Net operating income to assets | 2.6707% | 146 |
| Return on assets (ROA) | 2.6311% | 157 |
| Pretax return on assets | 4.0754% | 77 |
| Return on Equity (ROE) | 25.2893% | 115 |
| Retained earnings to average equity (ytd only) | 25.2893% | 46 |
| Net charge-offs to loans | 0.4734% | 1,358 |
| Credit loss provision to net charge-offs | 54.6347% | 3,402 |
| Earnings coverage of net charge-offs (x) | 11.7273% | 2,209 |
| Efficiency ratio | 40.3682% | 6,746 |
| Assets per employee ($millions) | 3.9174% | 4,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6550% | 2,778 |
| Loan loss allowance to noncurrent loans | 53.9031% | 5,061 |
| Noncurrent assets plus other real estate owned to assets | 3.8695% | 827 |
| Noncurrent loans to loans | 3.0704% | 1,299 |
| Net loans and leases to total assets | 78.1746% | 728 |
| Net loans and leases to deposits | 94.2695% | 811 |
| Net loans and leases to core deposits | 109.4650% | 597 |
| Total domestic deposits to total assets | 82.9267% | 4,606 |
| Equity capital to assets | 11.3932% | 2,389 |
| Core capital (leverage) ratio | 11.5738% | 1,983 |
| Tier 1 risk-based capital ratio | 17.1972% | 2,625 |
| Total risk-based capital ratio | 18.4558% | 2,591 |
| Memoranda: |
| Average total assets | $330,497,750 | 1,960 |
| Average earning assets | $314,365,250 | 1,899 |
| Average equity | $34,385,250 | 2,017 |
| Average total loans | $258,262,250 | 1,606 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.4742% | 54 |
| Cost of funding earning assets | 1.1251% | 301 |
| Net interest margin | 6.3490% | 62 |
| Noninterest income to average assets | 1.1235% | 1,209 |
| Noninterest expense to average assets | 2.8604% | 3,473 |
| Loan and lease loss provision to assets | 0.0366% | 4,218 |
| Net operating income to assets | 2.7725% | 132 |
| Return on assets (ROA) | 2.7495% | 143 |
| Pretax return on assets | 4.2166% | 76 |
| Return on Equity (ROE) | 27.2589% | 96 |
| Retained earnings to average equity (ytd only) | 27.2589% | 42 |
| Net charge-offs to loans | 0.3873% | 1,669 |
| Credit loss provision to net charge-offs | 12.1514% | 3,868 |
| Earnings coverage of net charge-offs (x) | 14.2490% | 1,837 |
| Efficiency ratio | 40.0117% | 6,801 |
| Assets per employee ($millions) | 3.8019% | 4,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6348% | 3,027 |
| Loan loss allowance to noncurrent loans | 53.7694% | 5,035 |
| Noncurrent assets plus other real estate owned to assets | 4.1466% | 821 |
| Noncurrent loans to loans | 3.0404% | 1,459 |
| Net loans and leases to total assets | 78.2191% | 719 |
| Net loans and leases to deposits | 93.3627% | 854 |
| Net loans and leases to core deposits | 107.1345% | 680 |
| Total domestic deposits to total assets | 83.7798% | 4,423 |
| Equity capital to assets | 10.8993% | 2,847 |
| Core capital (leverage) ratio | 10.7288% | 2,639 |
| Tier 1 risk-based capital ratio | 15.6797% | 3,376 |
| Total risk-based capital ratio | 16.9374% | 3,322 |
| Memoranda: |
| Average total assets | $333,588,330 | 1,945 |
| Average earning assets | $316,583,000 | 1,894 |
| Average equity | $33,647,670 | 2,072 |
| Average total loans | $259,235,330 | 1,603 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.2866% | 54 |
| Cost of funding earning assets | 1.1545% | 283 |
| Net interest margin | 6.1321% | 67 |
| Noninterest income to average assets | 0.5018% | 3,757 |
| Noninterest expense to average assets | 2.8134% | 3,648 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.2709% | 208 |
| Return on assets (ROA) | 2.2786% | 233 |
| Pretax return on assets | 3.4947% | 109 |
| Return on Equity (ROE) | 23.4933% | 152 |
| Retained earnings to average equity (ytd only) | 23.4933% | 76 |
| Net charge-offs to loans | 0.4348% | 1,366 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 10.4240% | 1,744 |
| Efficiency ratio | 44.6840% | 6,745 |
| Assets per employee ($millions) | 4.0626% | 3,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6880% | 3,059 |
| Loan loss allowance to noncurrent loans | 53.1132% | 5,025 |
| Noncurrent assets plus other real estate owned to assets | 5.4680% | 633 |
| Noncurrent loans to loans | 3.1782% | 1,555 |
| Net loans and leases to total assets | 75.2891% | 925 |
| Net loans and leases to deposits | 89.1264% | 1,039 |
| Net loans and leases to core deposits | 102.0427% | 821 |
| Total domestic deposits to total assets | 84.4746% | 4,276 |
| Equity capital to assets | 10.0046% | 4,145 |
| Core capital (leverage) ratio | 9.6834% | 3,818 |
| Tier 1 risk-based capital ratio | 13.9776% | 4,522 |
| Total risk-based capital ratio | 15.2352% | 4,477 |
| Memoranda: |
| Average total assets | $338,803,000 | 1,940 |
| Average earning assets | $320,151,500 | 1,896 |
| Average equity | $32,860,500 | 2,132 |
| Average total loans | $260,366,500 | 1,612 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.3327% | 63 |
| Cost of funding earning assets | 1.5642% | 122 |
| Net interest margin | 5.7685% | 111 |
| Noninterest income to average assets | 0.2478% | 5,688 |
| Noninterest expense to average assets | 2.8070% | 4,000 |
| Loan and lease loss provision to assets | 0.2572% | 2,592 |
| Net operating income to assets | 1.7411% | 565 |
| Return on assets (ROA) | 1.7255% | 660 |
| Pretax return on assets | 2.5570% | 237 |
| Return on Equity (ROE) | 21.2637% | 250 |
| Retained earnings to average equity (ytd only) | 21.2637% | 52 |
| Net charge-offs to loans | 0.8364% | 1,385 |
| Credit loss provision to net charge-offs | 41.0560% | 4,919 |
| Earnings coverage of net charge-offs (x) | 4.5294% | 3,340 |
| Efficiency ratio | 49.7297% | 6,607 |
| Assets per employee ($millions) | 4.1013% | 3,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7684% | 2,697 |
| Loan loss allowance to noncurrent loans | 57.5074% | 4,775 |
| Noncurrent assets plus other real estate owned to assets | 5.2698% | 722 |
| Noncurrent loans to loans | 3.0750% | 1,690 |
| Net loans and leases to total assets | 75.7498% | 955 |
| Net loans and leases to deposits | 88.8694% | 1,182 |
| Net loans and leases to core deposits | 103.2328% | 825 |
| Total domestic deposits to total assets | 85.2372% | 3,751 |
| Equity capital to assets | 9.3963% | 5,004 |
| Core capital (leverage) ratio | 8.9023% | 5,039 |
| Tier 1 risk-based capital ratio | 13.2598% | 4,928 |
| Total risk-based capital ratio | 14.5192% | 4,866 |
| Memoranda: |
| Average total assets | $350,690,800 | 1,847 |
| Average earning assets | $328,091,400 | 1,805 |
| Average equity | $28,457,000 | 2,353 |
| Average total loans | $262,680,200 | 1,578 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.3245% | 67 |
| Cost of funding earning assets | 1.6480% | 105 |
| Net interest margin | 5.6765% | 145 |
| Noninterest income to average assets | 0.2797% | 5,538 |
| Noninterest expense to average assets | 2.5423% | 4,951 |
| Loan and lease loss provision to assets | 0.1883% | 3,235 |
| Net operating income to assets | 1.8761% | 482 |
| Return on assets (ROA) | 1.8524% | 586 |
| Pretax return on assets | 2.8107% | 189 |
| Return on Equity (ROE) | 23.7313% | 174 |
| Retained earnings to average equity (ytd only) | 23.7313% | 53 |
| Net charge-offs to loans | 0.7531% | 1,471 |
| Credit loss provision to net charge-offs | 33.6253% | 4,733 |
| Earnings coverage of net charge-offs (x) | 5.4185% | 3,033 |
| Efficiency ratio | 45.5844% | 6,836 |
| Assets per employee ($millions) | 4.0299% | 3,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8874% | 2,523 |
| Loan loss allowance to noncurrent loans | 55.3841% | 4,880 |
| Noncurrent assets plus other real estate owned to assets | 6.0162% | 664 |
| Noncurrent loans to loans | 3.4078% | 1,604 |
| Net loans and leases to total assets | 73.4388% | 1,330 |
| Net loans and leases to deposits | 85.5778% | 1,655 |
| Net loans and leases to core deposits | 105.9733% | 741 |
| Total domestic deposits to total assets | 85.8152% | 3,353 |
| Equity capital to assets | 8.7401% | 6,076 |
| Core capital (leverage) ratio | 8.2541% | 6,081 |
| Tier 1 risk-based capital ratio | 12.5290% | 5,618 |
| Total risk-based capital ratio | 13.7898% | 5,577 |
| Memoranda: |
| Average total assets | $353,261,000 | 1,850 |
| Average earning assets | $329,679,000 | 1,819 |
| Average equity | $27,574,750 | 2,451 |
| Average total loans | $262,724,750 | 1,585 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.2501% | 72 |
| Cost of funding earning assets | 1.7252% | 92 |
| Net interest margin | 5.5248% | 174 |
| Noninterest income to average assets | 0.4591% | 4,215 |
| Noninterest expense to average assets | 2.4227% | 5,376 |
| Loan and lease loss provision to assets | 0.2818% | 2,325 |
| Net operating income to assets | 1.9282% | 439 |
| Return on assets (ROA) | 1.8913% | 535 |
| Pretax return on assets | 2.8457% | 185 |
| Return on Equity (ROE) | 25.2260% | 142 |
| Retained earnings to average equity (ytd only) | 25.2260% | 55 |
| Net charge-offs to loans | 0.9139% | 1,205 |
| Credit loss provision to net charge-offs | 41.5487% | 4,232 |
| Earnings coverage of net charge-offs (x) | 4.6936% | 3,015 |
| Efficiency ratio | 43.2155% | 6,982 |
| Assets per employee ($millions) | 3.8804% | 4,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9828% | 2,273 |
| Loan loss allowance to noncurrent loans | 86.9313% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 5.2463% | 884 |
| Noncurrent loans to loans | 2.2809% | 2,637 |
| Net loans and leases to total assets | 72.4906% | 1,472 |
| Net loans and leases to deposits | 82.9653% | 1,987 |
| Net loans and leases to core deposits | 114.2901% | 439 |
| Total domestic deposits to total assets | 87.3746% | 2,549 |
| Equity capital to assets | 7.9976% | 6,567 |
| Core capital (leverage) ratio | 7.7418% | 6,491 |
| Tier 1 risk-based capital ratio | 11.6418% | 6,147 |
| Total risk-based capital ratio | 12.9039% | 6,122 |
| Memoranda: |
| Average total assets | $354,147,670 | 1,854 |
| Average earning assets | $329,927,670 | 1,822 |
| Average equity | $26,552,000 | 2,527 |
| Average total loans | $262,823,000 | 1,586 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.3192% | 77 |
| Cost of funding earning assets | 1.8112% | 82 |
| Net interest margin | 5.5080% | 182 |
| Noninterest income to average assets | 0.7246% | 2,534 |
| Noninterest expense to average assets | 2.4881% | 5,186 |
| Loan and lease loss provision to assets | 0.1372% | 3,637 |
| Net operating income to assets | 2.1002% | 353 |
| Return on assets (ROA) | 2.0537% | 441 |
| Pretax return on assets | 3.1390% | 163 |
| Return on Equity (ROE) | 28.3495% | 123 |
| Retained earnings to average equity (ytd only) | 28.3495% | 64 |
| Net charge-offs to loans | 1.5361% | 653 |
| Credit loss provision to net charge-offs | 12.0159% | 3,874 |
| Earnings coverage of net charge-offs (x) | 2.9315% | 3,009 |
| Efficiency ratio | 42.6351% | 7,037 |
| Assets per employee ($millions) | 4.1576% | 3,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9298% | 2,591 |
| Loan loss allowance to noncurrent loans | 83.0347% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 5.6815% | 855 |
| Noncurrent loans to loans | 2.3241% | 2,786 |
| Net loans and leases to total assets | 72.6353% | 1,290 |
| Net loans and leases to deposits | 82.6850% | 1,837 |
| Net loans and leases to core deposits | 116.1206% | 381 |
| Total domestic deposits to total assets | 87.8458% | 2,422 |
| Equity capital to assets | 7.4999% | 6,778 |
| Core capital (leverage) ratio | 7.2004% | 6,768 |
| Tier 1 risk-based capital ratio | 10.7410% | 6,645 |
| Total risk-based capital ratio | 12.0018% | 6,634 |
| Memoranda: |
| Average total assets | $352,724,500 | 1,877 |
| Average earning assets | $327,303,500 | 1,841 |
| Average equity | $25,552,500 | 2,620 |
| Average total loans | $262,223,500 | 1,598 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1961% | 81 |
| Cost of funding earning assets | 2.2127% | 53 |
| Net interest margin | 4.9834% | 422 |
| Noninterest income to average assets | -0.8098% | 7,309 |
| Noninterest expense to average assets | 2.5701% | 5,198 |
| Loan and lease loss provision to assets | 0.3977% | 2,608 |
| Net operating income to assets | 0.5737% | 4,126 |
| Return on assets (ROA) | 0.5634% | 4,363 |
| Pretax return on assets | 0.7940% | 4,003 |
| Return on Equity (ROE) | 9.1188% | 2,398 |
| Retained earnings to average equity (ytd only) | 9.1188% | 770 |
| Net charge-offs to loans | 0.9819% | 1,764 |
| Credit loss provision to net charge-offs | 55.3208% | 5,292 |
| Earnings coverage of net charge-offs (x) | 1.6777% | 4,512 |
| Efficiency ratio | 68.0603% | 4,345 |
| Assets per employee ($millions) | 4.2934% | 3,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2599% | 1,692 |
| Loan loss allowance to noncurrent loans | 94.7797% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 5.8741% | 848 |
| Noncurrent loans to loans | 2.3844% | 2,741 |
| Net loans and leases to total assets | 72.9347% | 1,468 |
| Net loans and leases to deposits | 82.7274% | 2,103 |
| Net loans and leases to core deposits | 104.8302% | 849 |
| Total domestic deposits to total assets | 88.1627% | 2,048 |
| Equity capital to assets | 6.9878% | 6,969 |
| Core capital (leverage) ratio | 6.3872% | 7,001 |
| Tier 1 risk-based capital ratio | 9.5207% | 6,960 |
| Total risk-based capital ratio | 10.7860% | 6,948 |
| Memoranda: |
| Average total assets | $368,626,800 | 1,766 |
| Average earning assets | $339,223,800 | 1,750 |
| Average equity | $22,777,200 | 2,809 |
| Average total loans | $269,882,600 | 1,566 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1753% | 83 |
| Cost of funding earning assets | 2.2769% | 52 |
| Net interest margin | 4.8984% | 511 |
| Noninterest income to average assets | -0.3112% | 7,300 |
| Noninterest expense to average assets | 2.5953% | 5,093 |
| Loan and lease loss provision to assets | 0.2203% | 3,812 |
| Net operating income to assets | 0.9116% | 2,696 |
| Return on assets (ROA) | 0.9024% | 2,870 |
| Pretax return on assets | 1.3638% | 2,071 |
| Return on Equity (ROE) | 15.0705% | 830 |
| Retained earnings to average equity (ytd only) | 15.0705% | 226 |
| Net charge-offs to loans | 0.3170% | 3,516 |
| Credit loss provision to net charge-offs | 95.3560% | 3,590 |
| Earnings coverage of net charge-offs (x) | 6.9164% | 2,455 |
| Efficiency ratio | 61.8901% | 5,427 |
| Assets per employee ($millions) | 4.2943% | 3,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6889% | 1,143 |
| Loan loss allowance to noncurrent loans | 111.3169% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 6.3600% | 822 |
| Noncurrent loans to loans | 2.4155% | 2,866 |
| Net loans and leases to total assets | 69.4985% | 2,179 |
| Net loans and leases to deposits | 78.5106% | 2,888 |
| Net loans and leases to core deposits | 98.8294% | 1,355 |
| Total domestic deposits to total assets | 88.5212% | 1,744 |
| Equity capital to assets | 6.7077% | 7,102 |
| Core capital (leverage) ratio | 6.1133% | 7,120 |
| Tier 1 risk-based capital ratio | 7.2535% | 7,228 |
| Total risk-based capital ratio | 8.5161% | 7,228 |
| Memoranda: |
| Average total assets | $372,769,500 | 1,747 |
| Average earning assets | $342,795,500 | 1,740 |
| Average equity | $22,321,250 | 2,857 |
| Average total loans | $271,676,250 | 1,574 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.2002% | 87 |
| Cost of funding earning assets | 2.3442% | 52 |
| Net interest margin | 4.8560% | 545 |
| Noninterest income to average assets | -0.3557% | 7,398 |
| Noninterest expense to average assets | 2.8829% | 4,090 |
| Loan and lease loss provision to assets | 0.7841% | 1,183 |
| Net operating income to assets | 0.3297% | 5,247 |
| Return on assets (ROA) | 0.3145% | 5,452 |
| Pretax return on assets | 0.4188% | 5,337 |
| Return on Equity (ROE) | 5.4687% | 4,228 |
| Retained earnings to average equity (ytd only) | 5.4687% | 2,703 |
| Net charge-offs to loans | 0.6365% | 2,244 |
| Credit loss provision to net charge-offs | 167.9267% | 1,799 |
| Earnings coverage of net charge-offs (x) | 2.6197% | 3,518 |
| Efficiency ratio | 70.2097% | 4,075 |
| Assets per employee ($millions) | 4.9081% | 2,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8849% | 1,001 |
| Loan loss allowance to noncurrent loans | 59.0495% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 8.4466% | 520 |
| Noncurrent loans to loans | 4.8855% | 1,349 |
| Net loans and leases to total assets | 69.6356% | 2,293 |
| Net loans and leases to deposits | 77.8332% | 3,146 |
| Net loans and leases to core deposits | 96.2722% | 1,652 |
| Total domestic deposits to total assets | 89.4676% | 1,262 |
| Equity capital to assets | 6.0513% | 7,235 |
| Core capital (leverage) ratio | 5.4451% | 7,261 |
| Tier 1 risk-based capital ratio | 8.3696% | 7,226 |
| Total risk-based capital ratio | 9.6439% | 7,224 |
| Memoranda: |
| Average total assets | $373,923,670 | 1,751 |
| Average earning assets | $343,575,000 | 1,746 |
| Average equity | $21,504,330 | 2,926 |
| Average total loans | $274,316,670 | 1,580 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1815% | 95 |
| Cost of funding earning assets | 2.3806% | 52 |
| Net interest margin | 4.8008% | 572 |
| Noninterest income to average assets | -0.0524% | 7,357 |
| Noninterest expense to average assets | 3.0130% | 3,587 |
| Loan and lease loss provision to assets | 1.4018% | 471 |
| Net operating income to assets | 0.1732% | 5,876 |
| Return on assets (ROA) | 0.1506% | 6,000 |
| Pretax return on assets | -0.0919% | 6,440 |
| Return on Equity (ROE) | 2.6895% | 5,518 |
| Retained earnings to average equity (ytd only) | 2.6895% | 4,549 |
| Net charge-offs to loans | 0.4537% | 2,335 |
| Credit loss provision to net charge-offs | 416.5079% | 819 |
| Earnings coverage of net charge-offs (x) | 3.9968% | 2,583 |
| Efficiency ratio | 69.1346% | 4,448 |
| Assets per employee ($millions) | 5.0258% | 2,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9717% | 938 |
| Loan loss allowance to noncurrent loans | 99.9754% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 7.0028% | 765 |
| Noncurrent loans to loans | 2.9724% | 2,527 |
| Net loans and leases to total assets | 71.2787% | 1,860 |
| Net loans and leases to deposits | 79.3159% | 2,841 |
| Net loans and leases to core deposits | 99.1487% | 1,413 |
| Total domestic deposits to total assets | 89.8669% | 1,234 |
| Equity capital to assets | 5.6898% | 7,321 |
| Core capital (leverage) ratio | 5.4026% | 7,319 |
| Tier 1 risk-based capital ratio | 7.9047% | 7,302 |
| Total risk-based capital ratio | 9.1790% | 7,305 |
| Memoranda: |
| Average total assets | $374,379,500 | 1,758 |
| Average earning assets | $343,940,000 | 1,750 |
| Average equity | $20,970,500 | 2,988 |
| Average total loans | $277,742,500 | 1,575 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.4232% | 87 |
| Cost of funding earning assets | 2.6547% | 66 |
| Net interest margin | 4.7685% | 704 |
| Noninterest income to average assets | -0.0131% | 7,313 |
| Noninterest expense to average assets | 2.7982% | 4,617 |
| Loan and lease loss provision to assets | 1.2278% | 1,267 |
| Net operating income to assets | 0.3602% | 4,708 |
| Return on assets (ROA) | 0.1745% | 5,528 |
| Pretax return on assets | 0.1433% | 5,615 |
| Return on Equity (ROE) | 3.4127% | 4,787 |
| Retained earnings to average equity (ytd only) | 3.4127% | 3,478 |
| Net charge-offs to loans | 2.2345% | 871 |
| Credit loss provision to net charge-offs | 74.0268% | 5,763 |
| Earnings coverage of net charge-offs (x) | 0.9386% | 5,173 |
| Efficiency ratio | 64.2534% | 5,304 |
| Assets per employee ($millions) | 5.2340% | 1,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5231% | 1,386 |
| Loan loss allowance to noncurrent loans | 65.1303% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 6.2906% | 913 |
| Noncurrent loans to loans | 3.8739% | 1,894 |
| Net loans and leases to total assets | 73.0137% | 1,867 |
| Net loans and leases to deposits | 82.3663% | 2,736 |
| Net loans and leases to core deposits | 133.5041% | 293 |
| Total domestic deposits to total assets | 88.6451% | 1,860 |
| Equity capital to assets | 5.5141% | 7,396 |
| Core capital (leverage) ratio | 5.2223% | 7,392 |
| Tier 1 risk-based capital ratio | 7.6774% | 7,374 |
| Total risk-based capital ratio | 9.1885% | 7,358 |
| Memoranda: |
| Average total assets | $396,467,200 | 1,665 |
| Average earning assets | $363,172,800 | 1,654 |
| Average equity | $20,277,400 | 3,111 |
| Average total loans | $294,293,600 | 1,521 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.4366% | 87 |
| Cost of funding earning assets | 2.6933% | 69 |
| Net interest margin | 4.7433% | 757 |
| Noninterest income to average assets | 0.3873% | 5,060 |
| Noninterest expense to average assets | 2.8329% | 4,338 |
| Loan and lease loss provision to assets | 0.6285% | 2,422 |
| Net operating income to assets | 0.8814% | 2,692 |
| Return on assets (ROA) | 0.7205% | 3,476 |
| Pretax return on assets | 1.0318% | 3,066 |
| Return on Equity (ROE) | 14.3508% | 962 |
| Retained earnings to average equity (ytd only) | 14.3508% | 252 |
| Net charge-offs to loans | 1.2759% | 1,599 |
| Credit loss provision to net charge-offs | 66.5026% | 5,526 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 4,216 |
| Efficiency ratio | 59.9803% | 5,958 |
| Assets per employee ($millions) | 4.6545% | 2,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7300% | 1,057 |
| Loan loss allowance to noncurrent loans | 49.0229% | 5,024 |
| Noncurrent assets plus other real estate owned to assets | 8.4790% | 568 |
| Noncurrent loans to loans | 5.5689% | 1,182 |
| Net loans and leases to total assets | 73.5330% | 1,903 |
| Net loans and leases to deposits | 83.1523% | 2,880 |
| Net loans and leases to core deposits | 126.2274% | 448 |
| Total domestic deposits to total assets | 88.4317% | 1,713 |
| Equity capital to assets | 5.8226% | 7,508 |
| Core capital (leverage) ratio | 5.6536% | 7,476 |
| Tier 1 risk-based capital ratio | 8.4584% | 7,437 |
| Total risk-based capital ratio | 9.7306% | 7,444 |
| Memoranda: |
| Average total assets | $401,371,500 | 1,671 |
| Average earning assets | $366,879,250 | 1,668 |
| Average equity | $20,151,750 | 3,173 |
| Average total loans | $297,298,500 | 1,522 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.5966% | 84 |
| Cost of funding earning assets | 2.7291% | 82 |
| Net interest margin | 4.8675% | 577 |
| Noninterest income to average assets | 0.5197% | 3,957 |
| Noninterest expense to average assets | 2.5195% | 5,649 |
| Loan and lease loss provision to assets | 0.5971% | 2,395 |
| Net operating income to assets | 1.0492% | 2,020 |
| Return on assets (ROA) | 0.8408% | 2,930 |
| Pretax return on assets | 1.5370% | 1,458 |
| Return on Equity (ROE) | 17.6247% | 505 |
| Retained earnings to average equity (ytd only) | 17.6247% | 137 |
| Net charge-offs to loans | 0.8960% | 2,044 |
| Credit loss provision to net charge-offs | 90.5576% | 4,410 |
| Earnings coverage of net charge-offs (x) | 3.7301% | 3,199 |
| Efficiency ratio | 50.6006% | 7,186 |
| Assets per employee ($millions) | 5.7314% | 1,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9541% | 858 |
| Loan loss allowance to noncurrent loans | 67.8148% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 6.8259% | 787 |
| Noncurrent loans to loans | 4.3562% | 1,699 |
| Net loans and leases to total assets | 71.2541% | 2,602 |
| Net loans and leases to deposits | 82.1179% | 3,254 |
| Net loans and leases to core deposits | 131.7249% | 394 |
| Total domestic deposits to total assets | 86.7705% | 2,667 |
| Equity capital to assets | 5.2735% | 7,613 |
| Core capital (leverage) ratio | 4.9998% | 7,604 |
| Tier 1 risk-based capital ratio | 7.8112% | 7,538 |
| Total risk-based capital ratio | 9.0870% | 7,543 |
| Memoranda: |
| Average total assets | $407,938,330 | 1,663 |
| Average earning assets | $373,747,330 | 1,651 |
| Average equity | $19,461,330 | 3,247 |
| Average total loans | $300,221,000 | 1,530 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.8848% | 81 |
| Cost of funding earning assets | 2.7224% | 110 |
| Net interest margin | 5.1624% | 316 |
| Noninterest income to average assets | 0.7021% | 2,585 |
| Noninterest expense to average assets | 2.8280% | 4,382 |
| Loan and lease loss provision to assets | 0.5738% | 2,203 |
| Net operating income to assets | 1.2144% | 1,498 |
| Return on assets (ROA) | 0.8422% | 2,875 |
| Pretax return on assets | 1.4471% | 1,641 |
| Return on Equity (ROE) | 18.6101% | 471 |
| Retained earnings to average equity (ytd only) | 18.6101% | 225 |
| Net charge-offs to loans | 0.2627% | 3,363 |
| Credit loss provision to net charge-offs | 296.4824% | 1,338 |
| Earnings coverage of net charge-offs (x) | 13.4472% | 1,494 |
| Efficiency ratio | 52.0774% | 7,145 |
| Assets per employee ($millions) | 5.6619% | 1,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0555% | 782 |
| Loan loss allowance to noncurrent loans | 48.5571% | 5,099 |
| Noncurrent assets plus other real estate owned to assets | 7.6260% | 660 |
| Noncurrent loans to loans | 6.2927% | 1,015 |
| Net loans and leases to total assets | 71.7659% | 2,511 |
| Net loans and leases to deposits | 82.0207% | 3,280 |
| Net loans and leases to core deposits | 136.7969% | 373 |
| Total domestic deposits to total assets | 87.4973% | 2,357 |
| Equity capital to assets | 4.6429% | 7,748 |
| Core capital (leverage) ratio | 4.8090% | 7,718 |
| Tier 1 risk-based capital ratio | 7.4691% | 7,660 |
| Total risk-based capital ratio | 8.7471% | 7,666 |
| Memoranda: |
| Average total assets | $411,310,000 | 1,695 |
| Average earning assets | $376,724,000 | 1,677 |
| Average equity | $18,613,500 | 3,376 |
| Average total loans | $303,046,500 | 1,554 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.3691% | 161 |
| Cost of funding earning assets | 3.3164% | 90 |
| Net interest margin | 4.0527% | 2,641 |
| Noninterest income to average assets | -0.2519% | 7,883 |
| Noninterest expense to average assets | 1.8578% | 7,559 |
| Loan and lease loss provision to assets | 4.1383% | 307 |
| Net operating income to assets | -1.6729% | 6,948 |
| Return on assets (ROA) | -2.6926% | 7,328 |
| Pretax return on assets | -4.0745% | 7,546 |
| Return on Equity (ROE) | -42.2632% | 7,605 |
| Retained earnings to average equity (ytd only) | -42.2632% | 7,592 |
| Net charge-offs to loans | 4.3060% | 353 |
| Credit loss provision to net charge-offs | 126.8878% | 4,099 |
| Earnings coverage of net charge-offs (x) | 0.4933% | 5,617 |
| Efficiency ratio | 53.5930% | 7,267 |
| Assets per employee ($millions) | 6.5867% | 952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9016% | 843 |
| Loan loss allowance to noncurrent loans | 38.7145% | 5,840 |
| Noncurrent assets plus other real estate owned to assets | 9.7045% | 390 |
| Noncurrent loans to loans | 7.4949% | 706 |
| Net loans and leases to total assets | 71.2071% | 2,953 |
| Net loans and leases to deposits | 82.1193% | 3,598 |
| Net loans and leases to core deposits | 144.3907% | 657 |
| Total domestic deposits to total assets | 86.7119% | 2,648 |
| Equity capital to assets | 4.4100% | 7,825 |
| Core capital (leverage) ratio | 4.4463% | 7,812 |
| Tier 1 risk-based capital ratio | 6.9260% | 7,758 |
| Total risk-based capital ratio | 8.2010% | 7,760 |
| Memoranda: |
| Average total assets | $425,127,600 | 1,629 |
| Average earning assets | $390,060,200 | 1,621 |
| Average equity | $27,085,000 | 2,444 |
| Average total loans | $321,991,000 | 1,493 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.4348% | 161 |
| Cost of funding earning assets | 3.4115% | 101 |
| Net interest margin | 4.0233% | 2,712 |
| Noninterest income to average assets | -0.1973% | 7,979 |
| Noninterest expense to average assets | 1.8288% | 7,635 |
| Loan and lease loss provision to assets | 1.2654% | 1,522 |
| Net operating income to assets | 0.3144% | 4,744 |
| Return on assets (ROA) | -1.0070% | 6,844 |
| Pretax return on assets | -1.2916% | 6,858 |
| Return on Equity (ROE) | -14.7076% | 7,176 |
| Retained earnings to average equity (ytd only) | -14.7076% | 7,119 |
| Net charge-offs to loans | 1.4329% | 1,444 |
| Credit loss provision to net charge-offs | 115.7070% | 4,388 |
| Earnings coverage of net charge-offs (x) | 1.5251% | 4,641 |
| Efficiency ratio | 52.3003% | 7,387 |
| Assets per employee ($millions) | 4.9080% | 2,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7727% | 2,375 |
| Loan loss allowance to noncurrent loans | 23.5952% | 6,869 |
| Noncurrent assets plus other real estate owned to assets | 9.3391% | 398 |
| Noncurrent loans to loans | 7.5132% | 686 |
| Net loans and leases to total assets | 73.3445% | 2,701 |
| Net loans and leases to deposits | 87.8816% | 2,985 |
| Net loans and leases to core deposits | 151.1878% | 556 |
| Total domestic deposits to total assets | 83.4582% | 3,984 |
| Equity capital to assets | 6.6910% | 7,717 |
| Core capital (leverage) ratio | 6.7840% | 7,548 |
| Tier 1 risk-based capital ratio | 10.0107% | 6,972 |
| Total risk-based capital ratio | 11.2549% | 6,927 |
| Memoranda: |
| Average total assets | $427,668,500 | 1,635 |
| Average earning assets | $392,665,250 | 1,630 |
| Average equity | $29,281,250 | 2,303 |
| Average total loans | $326,410,250 | 1,492 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.4777% | 162 |
| Cost of funding earning assets | 3.5741% | 83 |
| Net interest margin | 3.9036% | 3,100 |
| Noninterest income to average assets | -0.3244% | 8,098 |
| Noninterest expense to average assets | 1.8458% | 7,693 |
| Loan and lease loss provision to assets | 0.8455% | 1,983 |
| Net operating income to assets | 0.4048% | 4,496 |
| Return on assets (ROA) | -0.7268% | 6,775 |
| Pretax return on assets | -0.5866% | 6,511 |
| Return on Equity (ROE) | -10.5358% | 7,078 |
| Retained earnings to average equity (ytd only) | -10.5358% | 6,929 |
| Net charge-offs to loans | 0.8172% | 2,052 |
| Credit loss provision to net charge-offs | 134.5982% | 3,465 |
| Earnings coverage of net charge-offs (x) | 2.2135% | 3,959 |
| Efficiency ratio | 57.0335% | 6,982 |
| Assets per employee ($millions) | 4.9616% | 2,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7309% | 2,243 |
| Loan loss allowance to noncurrent loans | 24.7812% | 6,857 |
| Noncurrent assets plus other real estate owned to assets | 8.2238% | 454 |
| Noncurrent loans to loans | 6.9846% | 699 |
| Net loans and leases to total assets | 73.7459% | 2,773 |
| Net loans and leases to deposits | 90.2368% | 2,799 |
| Net loans and leases to core deposits | 155.6039% | 535 |
| Total domestic deposits to total assets | 81.7248% | 4,807 |
| Equity capital to assets | 6.4092% | 7,837 |
| Core capital (leverage) ratio | 7.0912% | 7,463 |
| Tier 1 risk-based capital ratio | 10.3020% | 6,591 |
| Total risk-based capital ratio | 11.5596% | 6,522 |
| Memoranda: |
| Average total assets | $427,894,000 | 1,656 |
| Average earning assets | $390,304,670 | 1,663 |
| Average equity | $29,518,330 | 2,303 |
| Average total loans | $328,938,000 | 1,516 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.4176% | 184 |
| Cost of funding earning assets | 3.6090% | 111 |
| Net interest margin | 3.8086% | 3,411 |
| Noninterest income to average assets | -0.1052% | 8,139 |
| Noninterest expense to average assets | 1.8939% | 7,558 |
| Loan and lease loss provision to assets | 1.1577% | 1,124 |
| Net operating income to assets | 0.1424% | 5,849 |
| Return on assets (ROA) | 0.1502% | 5,987 |
| Pretax return on assets | 0.3324% | 5,587 |
| Return on Equity (ROE) | 2.1022% | 5,736 |
| Retained earnings to average equity (ytd only) | 2.1022% | 4,699 |
| Net charge-offs to loans | 0.9534% | 1,398 |
| Credit loss provision to net charge-offs | 156.0759% | 2,693 |
| Earnings coverage of net charge-offs (x) | 1.9924% | 3,727 |
| Efficiency ratio | 56.1682% | 6,953 |
| Assets per employee ($millions) | 5.1667% | 1,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6989% | 2,153 |
| Loan loss allowance to noncurrent loans | 28.2139% | 6,672 |
| Noncurrent assets plus other real estate owned to assets | 7.4309% | 433 |
| Noncurrent loans to loans | 6.0216% | 796 |
| Net loans and leases to total assets | 73.9396% | 2,777 |
| Net loans and leases to deposits | 90.9412% | 2,785 |
| Net loans and leases to core deposits | 162.5788% | 455 |
| Total domestic deposits to total assets | 81.3048% | 4,835 |
| Equity capital to assets | 6.9313% | 7,710 |
| Core capital (leverage) ratio | 7.6806% | 6,914 |
| Tier 1 risk-based capital ratio | 10.5555% | 6,336 |
| Total risk-based capital ratio | 11.8122% | 6,241 |
| Memoranda: |
| Average total assets | $426,010,000 | 1,675 |
| Average earning assets | $388,913,500 | 1,679 |
| Average equity | $30,444,500 | 2,238 |
| Average total loans | $331,437,000 | 1,519 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.2937% | 128 |
| Cost of funding earning assets | 3.6841% | 283 |
| Net interest margin | 4.6096% | 1,152 |
| Noninterest income to average assets | 0.4512% | 5,032 |
| Noninterest expense to average assets | 1.6103% | 7,953 |
| Loan and lease loss provision to assets | 3.1728% | 280 |
| Net operating income to assets | 0.0671% | 6,191 |
| Return on assets (ROA) | -0.0537% | 6,296 |
| Pretax return on assets | -0.2131% | 6,381 |
| Return on Equity (ROE) | -0.6575% | 6,317 |
| Retained earnings to average equity (ytd only) | -0.6575% | 5,493 |
| Net charge-offs to loans | 3.8144% | 185 |
| Credit loss provision to net charge-offs | 98.3051% | 5,440 |
| Earnings coverage of net charge-offs (x) | 0.9755% | 5,644 |
| Efficiency ratio | 33.8391% | 8,211 |
| Assets per employee ($millions) | 4.9764% | 1,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5165% | 2,601 |
| Loan loss allowance to noncurrent loans | 35.8488% | 6,346 |
| Noncurrent assets plus other real estate owned to assets | 5.6629% | 559 |
| Noncurrent loans to loans | 4.2303% | 1,150 |
| Net loans and leases to total assets | 79.2613% | 1,822 |
| Net loans and leases to deposits | 100.5997% | 1,769 |
| Net loans and leases to core deposits | 179.7930% | 287 |
| Total domestic deposits to total assets | 78.7888% | 5,452 |
| Equity capital to assets | 7.3697% | 7,492 |
| Core capital (leverage) ratio | 7.7577% | 6,855 |
| Tier 1 risk-based capital ratio | 10.3446% | 6,372 |
| Total risk-based capital ratio | 11.5991% | 6,238 |
| Memoranda: |
| Average total assets | $405,828,800 | 1,676 |
| Average earning assets | $379,229,000 | 1,642 |
| Average equity | $33,157,600 | 2,041 |
| Average total loans | $343,386,400 | 1,413 |
