| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9225% | 701 |
| Cost of funding earning assets | 0.5922% | 4,080 |
| Net interest margin | 5.3303% | 226 |
| Noninterest income to average assets | 2.1500% | 251 |
| Noninterest expense to average assets | 3.0920% | 973 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 2.8632% | 180 |
| Return on assets (ROA) | 2.6735% | 210 |
| Pretax return on assets | 3.6860% | 134 |
| Return on Equity (ROE) | 24.2000% | 347 |
| Retained earnings to average equity (ytd only) | 24.1955% | 82 |
| Net charge-offs to loans | 0.1558% | 668 |
| Credit loss provision to net charge-offs | 151.2391% | 1,466 |
| Earnings coverage of net charge-offs (x) | 38.7172% | 1,465 |
| Efficiency ratio | 43.2333% | 4,277 |
| Assets per employee ($millions) | 9.8016% | 753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0793% | 2,940 |
| Loan loss allowance to noncurrent loans | 135.7638% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 0.5396% | 1,033 |
| Noncurrent loans to loans | 0.7949% | 975 |
| Net loans and leases to total assets | 67.1400% | 2,133 |
| Net loans and leases to deposits | 79.7416% | 2,133 |
| Net loans and leases to core deposits | 84.3755% | 2,428 |
| Total domestic deposits to total assets | 84.2000% | 2,562 |
| Equity capital to assets | 12.2332% | 1,053 |
| Core capital (leverage) ratio | 13.5848% | 890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7632% | 713 |
| Memoranda: |
| Average total assets | $1,308,414,200 | 801 |
| Average earning assets | $1,226,737,600 | 779 |
| Average equity | $144,572,200 | 692 |
| Average total loans | $880,456,600 | 803 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8534% | 642 |
| Cost of funding earning assets | 0.5250% | 4,095 |
| Net interest margin | 5.3284% | 219 |
| Noninterest income to average assets | 2.1800% | 260 |
| Noninterest expense to average assets | 3.0311% | 1,028 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 2.9519% | 188 |
| Return on assets (ROA) | 2.7869% | 205 |
| Pretax return on assets | 3.8352% | 138 |
| Return on Equity (ROE) | 25.9500% | 355 |
| Retained earnings to average equity (ytd only) | 25.9539% | 126 |
| Net charge-offs to loans | 0.0929% | 830 |
| Credit loss provision to net charge-offs | 202.1452% | 1,113 |
| Earnings coverage of net charge-offs (x) | 66.4307% | 1,147 |
| Efficiency ratio | 42.2383% | 4,301 |
| Assets per employee ($millions) | 10.2923% | 609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1067% | 2,834 |
| Loan loss allowance to noncurrent loans | 133.6214% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 0.5666% | 1,036 |
| Noncurrent loans to loans | 0.8282% | 995 |
| Net loans and leases to total assets | 67.6500% | 2,085 |
| Net loans and leases to deposits | 77.9214% | 2,252 |
| Net loans and leases to core deposits | 82.9779% | 2,396 |
| Total domestic deposits to total assets | 86.8200% | 1,944 |
| Equity capital to assets | 11.3618% | 1,221 |
| Core capital (leverage) ratio | 13.4890% | 946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3940% | 774 |
| Memoranda: |
| Average total assets | $1,294,913,000 | 811 |
| Average earning assets | $1,214,700,500 | 790 |
| Average equity | $139,048,250 | 713 |
| Average total loans | $869,392,500 | 809 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7454% | 601 |
| Cost of funding earning assets | 0.4594% | 4,059 |
| Net interest margin | 5.2860% | 217 |
| Noninterest income to average assets | 2.2800% | 219 |
| Noninterest expense to average assets | 2.9994% | 1,047 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 3.0208% | 149 |
| Return on assets (ROA) | 2.7726% | 181 |
| Pretax return on assets | 3.8098% | 122 |
| Return on Equity (ROE) | 26.3400% | 313 |
| Retained earnings to average equity (ytd only) | 26.3368% | 104 |
| Net charge-offs to loans | 0.1243% | 589 |
| Credit loss provision to net charge-offs | 191.5888% | 1,073 |
| Earnings coverage of net charge-offs (x) | 51.2991% | 1,276 |
| Efficiency ratio | 41.3618% | 4,354 |
| Assets per employee ($millions) | 10.9441% | 516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1203% | 2,845 |
| Loan loss allowance to noncurrent loans | 130.4528% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 0.5749% | 941 |
| Noncurrent loans to loans | 0.8588% | 885 |
| Net loans and leases to total assets | 66.1900% | 2,138 |
| Net loans and leases to deposits | 79.6768% | 2,007 |
| Net loans and leases to core deposits | 84.8168% | 2,154 |
| Total domestic deposits to total assets | 83.0700% | 3,033 |
| Equity capital to assets | 11.1242% | 1,334 |
| Core capital (leverage) ratio | 12.1560% | 1,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8767% | 833 |
| Memoranda: |
| Average total assets | $1,290,844,667 | 799 |
| Average earning assets | $1,214,642,333 | 782 |
| Average equity | $135,893,667 | 721 |
| Average total loans | $861,121,333 | 805 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4353% | 681 |
| Cost of funding earning assets | 0.4183% | 3,913 |
| Net interest margin | 5.0170% | 296 |
| Noninterest income to average assets | 1.8300% | 256 |
| Noninterest expense to average assets | 2.6551% | 1,791 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 2.8878% | 165 |
| Return on assets (ROA) | 2.5632% | 225 |
| Pretax return on assets | 3.4410% | 150 |
| Return on Equity (ROE) | 25.0700% | 401 |
| Retained earnings to average equity (ytd only) | 25.0680% | 178 |
| Net charge-offs to loans | 0.1898% | 379 |
| Credit loss provision to net charge-offs | 98.5222% | 1,147 |
| Earnings coverage of net charge-offs (x) | 31.0148% | 1,290 |
| Efficiency ratio | 40.3844% | 4,438 |
| Assets per employee ($millions) | 11.9348% | 405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0806% | 3,145 |
| Loan loss allowance to noncurrent loans | 68.1140% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 1.0658% | 373 |
| Noncurrent loans to loans | 1.5864% | 407 |
| Net loans and leases to total assets | 66.4600% | 2,014 |
| Net loans and leases to deposits | 76.9386% | 2,046 |
| Net loans and leases to core deposits | 80.2407% | 2,239 |
| Total domestic deposits to total assets | 86.3800% | 2,485 |
| Equity capital to assets | 10.6379% | 1,495 |
| Core capital (leverage) ratio | 12.2891% | 1,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2723% | 953 |
| Memoranda: |
| Average total assets | $1,285,091,000 | 819 |
| Average earning assets | $1,215,540,500 | 792 |
| Average equity | $131,402,500 | 751 |
| Average total loans | $855,789,000 | 823 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6492% | 562 |
| Cost of funding earning assets | 0.1091% | 4,350 |
| Net interest margin | 4.5401% | 273 |
| Noninterest income to average assets | 1.1800% | 488 |
| Noninterest expense to average assets | 2.1538% | 3,145 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 2.4216% | 158 |
| Return on assets (ROA) | 2.4008% | 158 |
| Pretax return on assets | 3.2714% | 110 |
| Return on Equity (ROE) | 22.7400% | 291 |
| Retained earnings to average equity (ytd only) | 20.2942% | 85 |
| Net charge-offs to loans | 0.0226% | 1,611 |
| Credit loss provision to net charge-offs | 175.4386% | 1,193 |
| Earnings coverage of net charge-offs (x) | 225.6374% | 595 |
| Efficiency ratio | 39.3219% | 4,552 |
| Assets per employee ($millions) | 12.5549% | 341 |
| Cash dividends to net income (ytd only)* | 10.7635% | 3,208 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1614% | 2,572 |
| Loan loss allowance to noncurrent loans | 53.9919% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 1.4199% | 237 |
| Noncurrent loans to loans | 2.1511% | 243 |
| Net loans and leases to total assets | 65.2400% | 2,118 |
| Net loans and leases to deposits | 77.7623% | 1,970 |
| Net loans and leases to core deposits | 80.7456% | 2,094 |
| Total domestic deposits to total assets | 83.9000% | 3,227 |
| Equity capital to assets | 9.8176% | 1,812 |
| Core capital (leverage) ratio | 11.6843% | 1,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3822% | 1,271 |
| Memoranda: |
| Average total assets | $1,160,947,800 | 873 |
| Average earning assets | $1,100,069,200 | 853 |
| Average equity | $122,557,000 | 797 |
| Average total loans | $755,359,200 | 854 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4668% | 523 |
| Cost of funding earning assets | 0.0765% | 4,443 |
| Net interest margin | 4.3902% | 286 |
| Noninterest income to average assets | 1.2300% | 490 |
| Noninterest expense to average assets | 2.1500% | 3,076 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.3544% | 178 |
| Return on assets (ROA) | 2.3544% | 174 |
| Pretax return on assets | 3.2418% | 117 |
| Return on Equity (ROE) | 21.8600% | 297 |
| Retained earnings to average equity (ytd only) | 21.8640% | 66 |
| Net charge-offs to loans | 0.0086% | 1,818 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 583.4894% | 270 |
| Efficiency ratio | 39.8755% | 4,576 |
| Assets per employee ($millions) | 11.9927% | 384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2588% | 2,220 |
| Loan loss allowance to noncurrent loans | 59.1365% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 1.3870% | 261 |
| Noncurrent loans to loans | 2.1287% | 275 |
| Net loans and leases to total assets | 64.3400% | 2,055 |
| Net loans and leases to deposits | 73.0051% | 2,127 |
| Net loans and leases to core deposits | 74.0461% | 2,346 |
| Total domestic deposits to total assets | 88.1200% | 2,387 |
| Equity capital to assets | 10.0019% | 1,624 |
| Core capital (leverage) ratio | 12.0685% | 1,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3622% | 1,110 |
| Memoranda: |
| Average total assets | $1,127,895,250 | 891 |
| Average earning assets | $1,068,098,000 | 875 |
| Average equity | $121,457,000 | 814 |
| Average total loans | $730,795,000 | 870 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2889% | 533 |
| Cost of funding earning assets | 0.0758% | 4,418 |
| Net interest margin | 4.2130% | 329 |
| Noninterest income to average assets | 1.2179% | 464 |
| Noninterest expense to average assets | 2.0558% | 3,276 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.2868% | 142 |
| Return on assets (ROA) | 2.2868% | 139 |
| Pretax return on assets | 3.1645% | 83 |
| Return on Equity (ROE) | 20.7095% | 263 |
| Retained earnings to average equity (ytd only) | 20.7095% | 64 |
| Net charge-offs to loans | 0.0084% | 1,676 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 584.4333% | 226 |
| Efficiency ratio | 39.3804% | 4,627 |
| Assets per employee ($millions) | 12.1628% | 363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3432% | 1,990 |
| Loan loss allowance to noncurrent loans | 71.1940% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 1.1985% | 351 |
| Noncurrent loans to loans | 1.8866% | 352 |
| Net loans and leases to total assets | 62.6707% | 2,048 |
| Net loans and leases to deposits | 71.2548% | 2,085 |
| Net loans and leases to core deposits | 72.3228% | 2,306 |
| Total domestic deposits to total assets | 87.9530% | 2,594 |
| Equity capital to assets | 10.3976% | 1,482 |
| Core capital (leverage) ratio | 12.3448% | 1,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9578% | 998 |
| Memoranda: |
| Average total assets | $1,108,102,667 | 900 |
| Average earning assets | $1,052,682,667 | 884 |
| Average equity | $122,359,333 | 819 |
| Average total loans | $716,535,667 | 872 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3108% | 426 |
| Cost of funding earning assets | 0.0799% | 4,358 |
| Net interest margin | 4.2309% | 270 |
| Noninterest income to average assets | 1.1947% | 490 |
| Noninterest expense to average assets | 2.1517% | 2,976 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.2467% | 156 |
| Return on assets (ROA) | 2.2467% | 153 |
| Pretax return on assets | 3.0808% | 96 |
| Return on Equity (ROE) | 19.7421% | 238 |
| Retained earnings to average equity (ytd only) | 19.7421% | 101 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.1216% | 4,622 |
| Assets per employee ($millions) | 12.8099% | 322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4054% | 1,882 |
| Loan loss allowance to noncurrent loans | 51.6332% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 1.7202% | 193 |
| Noncurrent loans to loans | 2.7219% | 210 |
| Net loans and leases to total assets | 62.3124% | 1,819 |
| Net loans and leases to deposits | 71.2272% | 1,840 |
| Net loans and leases to core deposits | 72.9756% | 2,023 |
| Total domestic deposits to total assets | 87.4840% | 2,753 |
| Equity capital to assets | 11.1098% | 1,283 |
| Core capital (leverage) ratio | 11.8167% | 1,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1083% | 1,025 |
| Memoranda: |
| Average total assets | $1,090,500,500 | 914 |
| Average earning assets | $1,040,728,000 | 895 |
| Average equity | $124,100,500 | 833 |
| Average total loans | $711,666,500 | 868 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3925% | 726 |
| Cost of funding earning assets | 0.0911% | 4,449 |
| Net interest margin | 4.3014% | 403 |
| Noninterest income to average assets | 0.9834% | 1,035 |
| Noninterest expense to average assets | 1.8828% | 3,960 |
| Loan and lease loss provision to assets | 0.2033% | 520 |
| Net operating income to assets | 2.2006% | 243 |
| Return on assets (ROA) | 2.2243% | 244 |
| Pretax return on assets | 3.0639% | 137 |
| Return on Equity (ROE) | 19.1475% | 367 |
| Retained earnings to average equity (ytd only) | 19.1475% | 74 |
| Net charge-offs to loans | 0.0093% | 2,226 |
| Credit loss provision to net charge-offs | 3,125.0000% | 215 |
| Earnings coverage of net charge-offs (x) | 497.6094% | 277 |
| Efficiency ratio | 36.7739% | 4,743 |
| Assets per employee ($millions) | 13.8378% | 251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3458% | 2,158 |
| Loan loss allowance to noncurrent loans | 332.8231% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.2724% | 2,187 |
| Noncurrent loans to loans | 0.4044% | 2,147 |
| Net loans and leases to total assets | 66.4565% | 1,423 |
| Net loans and leases to deposits | 76.4080% | 1,534 |
| Net loans and leases to core deposits | 78.2159% | 1,738 |
| Total domestic deposits to total assets | 86.9759% | 2,533 |
| Equity capital to assets | 11.6561% | 1,418 |
| Core capital (leverage) ratio | 11.4388% | 1,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3557% | 1,185 |
| Memoranda: |
| Average total assets | $983,788,000 | 972 |
| Average earning assets | $946,084,400 | 949 |
| Average equity | $114,281,000 | 909 |
| Average total loans | $686,801,600 | 891 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3954% | 813 |
| Cost of funding earning assets | 0.0935% | 4,549 |
| Net interest margin | 4.3019% | 449 |
| Noninterest income to average assets | 1.0276% | 1,022 |
| Noninterest expense to average assets | 1.8502% | 4,057 |
| Loan and lease loss provision to assets | 0.2778% | 304 |
| Net operating income to assets | 2.2100% | 320 |
| Return on assets (ROA) | 2.2424% | 314 |
| Pretax return on assets | 3.0819% | 162 |
| Return on Equity (ROE) | 19.3223% | 481 |
| Retained earnings to average equity (ytd only) | 19.3223% | 155 |
| Net charge-offs to loans | 0.0126% | 1,864 |
| Credit loss provision to net charge-offs | 3,125.0000% | 230 |
| Earnings coverage of net charge-offs (x) | 373.3281% | 377 |
| Efficiency ratio | 35.7939% | 4,813 |
| Assets per employee ($millions) | 13.4564% | 270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3973% | 2,031 |
| Loan loss allowance to noncurrent loans | 158.1031% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 0.6052% | 1,264 |
| Noncurrent loans to loans | 0.8838% | 1,299 |
| Net loans and leases to total assets | 67.5182% | 1,373 |
| Net loans and leases to deposits | 77.0358% | 1,569 |
| Net loans and leases to core deposits | 79.0583% | 1,815 |
| Total domestic deposits to total assets | 87.6453% | 2,035 |
| Equity capital to assets | 11.7754% | 1,502 |
| Core capital (leverage) ratio | 11.4938% | 1,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4477% | 1,058 |
| Memoranda: |
| Average total assets | $959,897,500 | 1,000 |
| Average earning assets | $924,072,750 | 978 |
| Average equity | $111,398,750 | 941 |
| Average total loans | $676,731,250 | 924 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4417% | 804 |
| Cost of funding earning assets | 0.0974% | 4,597 |
| Net interest margin | 4.3443% | 458 |
| Noninterest income to average assets | 1.0867% | 945 |
| Noninterest expense to average assets | 1.8961% | 3,976 |
| Loan and lease loss provision to assets | 0.3408% | 224 |
| Net operating income to assets | 2.2029% | 337 |
| Return on assets (ROA) | 2.2529% | 326 |
| Pretax return on assets | 3.0853% | 174 |
| Return on Equity (ROE) | 19.5166% | 497 |
| Retained earnings to average equity (ytd only) | 19.5166% | 170 |
| Net charge-offs to loans | 0.0191% | 1,557 |
| Credit loss provision to net charge-offs | 2,500.0000% | 239 |
| Earnings coverage of net charge-offs (x) | 246.6875% | 438 |
| Efficiency ratio | 36.0551% | 4,838 |
| Assets per employee ($millions) | 14.3190% | 221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3358% | 2,263 |
| Loan loss allowance to noncurrent loans | 921.0010% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.1031% | 3,533 |
| Noncurrent loans to loans | 0.1450% | 3,478 |
| Net loans and leases to total assets | 70.1591% | 1,174 |
| Net loans and leases to deposits | 79.8906% | 1,433 |
| Net loans and leases to core deposits | 85.6581% | 1,443 |
| Total domestic deposits to total assets | 87.8190% | 1,929 |
| Equity capital to assets | 11.5985% | 1,571 |
| Core capital (leverage) ratio | 11.3254% | 1,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4121% | 898 |
| Memoranda: |
| Average total assets | $938,968,333 | 1,017 |
| Average earning assets | $901,769,000 | 993 |
| Average equity | $108,390,000 | 957 |
| Average total loans | $668,880,333 | 931 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5218% | 749 |
| Cost of funding earning assets | 0.1038% | 4,629 |
| Net interest margin | 4.4180% | 414 |
| Noninterest income to average assets | 0.6413% | 2,060 |
| Noninterest expense to average assets | 1.9408% | 3,880 |
| Loan and lease loss provision to assets | 0.3718% | 216 |
| Net operating income to assets | 1.8733% | 693 |
| Return on assets (ROA) | 1.9811% | 628 |
| Pretax return on assets | 2.7098% | 332 |
| Return on Equity (ROE) | 17.2062% | 819 |
| Retained earnings to average equity (ytd only) | 17.2062% | 408 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.7225% | 4,749 |
| Assets per employee ($millions) | 15.4380% | 183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2660% | 2,582 |
| Loan loss allowance to noncurrent loans | 583.7584% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.1557% | 3,384 |
| Noncurrent loans to loans | 0.2169% | 3,330 |
| Net loans and leases to total assets | 70.8702% | 1,174 |
| Net loans and leases to deposits | 80.7209% | 1,451 |
| Net loans and leases to core deposits | 84.5256% | 1,631 |
| Total domestic deposits to total assets | 87.7966% | 1,947 |
| Equity capital to assets | 11.1173% | 1,774 |
| Core capital (leverage) ratio | 11.5062% | 1,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0365% | 678 |
| Memoranda: |
| Average total assets | $914,445,500 | 1,022 |
| Average earning assets | $878,580,500 | 999 |
| Average equity | $105,287,500 | 968 |
| Average total loans | $652,037,000 | 945 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2188% | 2,083 |
| Cost of funding earning assets | 0.1462% | 4,739 |
| Net interest margin | 4.0726% | 836 |
| Noninterest income to average assets | 0.9890% | 1,065 |
| Noninterest expense to average assets | 2.1768% | 3,731 |
| Loan and lease loss provision to assets | 0.4654% | 587 |
| Net operating income to assets | 1.6535% | 567 |
| Return on assets (ROA) | 1.6602% | 599 |
| Pretax return on assets | 2.2673% | 267 |
| Return on Equity (ROE) | 17.6955% | 352 |
| Retained earnings to average equity (ytd only) | 17.6955% | 93 |
| Net charge-offs to loans | -0.0012% | 3,956 |
| Credit loss provision to net charge-offs | -55,000.0000% | 4,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4147% | 4,774 |
| Assets per employee ($millions) | 15.0299% | 177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2719% | 2,562 |
| Loan loss allowance to noncurrent loans | 464.6536% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.1938% | 3,308 |
| Noncurrent loans to loans | 0.2737% | 3,212 |
| Net loans and leases to total assets | 69.8825% | 1,580 |
| Net loans and leases to deposits | 83.4681% | 1,502 |
| Net loans and leases to core deposits | 86.4808% | 1,830 |
| Total domestic deposits to total assets | 83.7236% | 3,195 |
| Equity capital to assets | 11.9492% | 1,599 |
| Core capital (leverage) ratio | 11.5861% | 1,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0249% | 582 |
| Memoranda: |
| Average total assets | $709,077,200 | 1,167 |
| Average earning assets | $681,113,400 | 1,129 |
| Average equity | $66,525,400 | 1,353 |
| Average total loans | $518,207,600 | 1,109 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2116% | 2,373 |
| Cost of funding earning assets | 0.1596% | 4,775 |
| Net interest margin | 4.0521% | 1,001 |
| Noninterest income to average assets | 0.9792% | 1,061 |
| Noninterest expense to average assets | 2.2249% | 3,623 |
| Loan and lease loss provision to assets | 0.3890% | 935 |
| Net operating income to assets | 1.6460% | 653 |
| Return on assets (ROA) | 1.6554% | 711 |
| Pretax return on assets | 2.2628% | 303 |
| Return on Equity (ROE) | 19.3731% | 269 |
| Retained earnings to average equity (ytd only) | 19.3731% | 89 |
| Net charge-offs to loans | -0.0127% | 4,286 |
| Credit loss provision to net charge-offs | -4,148.9362% | 4,199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7356% | 4,728 |
| Assets per employee ($millions) | 13.6215% | 222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0669% | 3,377 |
| Loan loss allowance to noncurrent loans | 611.5996% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.1287% | 3,783 |
| Noncurrent loans to loans | 0.1744% | 3,685 |
| Net loans and leases to total assets | 72.9650% | 1,507 |
| Net loans and leases to deposits | 80.3486% | 2,282 |
| Net loans and leases to core deposits | 89.9058% | 1,978 |
| Total domestic deposits to total assets | 90.8106% | 209 |
| Equity capital to assets | 7.5909% | 4,837 |
| Core capital (leverage) ratio | 7.6108% | 4,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7912% | 1,562 |
| Memoranda: |
| Average total assets | $668,412,750 | 1,204 |
| Average earning assets | $640,942,250 | 1,175 |
| Average equity | $57,115,500 | 1,494 |
| Average total loans | $493,500,000 | 1,141 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3922% | 2,231 |
| Cost of funding earning assets | 0.1819% | 4,805 |
| Net interest margin | 4.2103% | 900 |
| Noninterest income to average assets | 1.0344% | 922 |
| Noninterest expense to average assets | 2.3535% | 3,390 |
| Loan and lease loss provision to assets | 0.3907% | 1,048 |
| Net operating income to assets | 1.6943% | 628 |
| Return on assets (ROA) | 1.7097% | 665 |
| Pretax return on assets | 2.3424% | 285 |
| Return on Equity (ROE) | 19.0497% | 301 |
| Retained earnings to average equity (ytd only) | 19.0497% | 101 |
| Net charge-offs to loans | -0.0207% | 4,415 |
| Credit loss provision to net charge-offs | -2,553.1915% | 3,955 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4465% | 4,705 |
| Assets per employee ($millions) | 12.8248% | 262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9875% | 3,636 |
| Loan loss allowance to noncurrent loans | 263.0909% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.2908% | 3,153 |
| Noncurrent loans to loans | 0.3753% | 3,068 |
| Net loans and leases to total assets | 76.6966% | 1,043 |
| Net loans and leases to deposits | 85.3080% | 1,847 |
| Net loans and leases to core deposits | 90.4231% | 2,039 |
| Total domestic deposits to total assets | 89.9055% | 423 |
| Equity capital to assets | 7.8299% | 4,798 |
| Core capital (leverage) ratio | 8.0568% | 4,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2525% | 1,426 |
| Memoranda: |
| Average total assets | $614,246,000 | 1,270 |
| Average earning assets | $588,317,333 | 1,240 |
| Average equity | $55,129,333 | 1,522 |
| Average total loans | $453,728,667 | 1,205 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7486% | 1,560 |
| Cost of funding earning assets | 0.2320% | 4,819 |
| Net interest margin | 4.5166% | 484 |
| Noninterest income to average assets | 1.0202% | 820 |
| Noninterest expense to average assets | 2.7829% | 2,477 |
| Loan and lease loss provision to assets | 0.2946% | 1,051 |
| Net operating income to assets | 1.6342% | 584 |
| Return on assets (ROA) | 1.6691% | 599 |
| Pretax return on assets | 2.2886% | 240 |
| Return on Equity (ROE) | 17.0790% | 332 |
| Retained earnings to average equity (ytd only) | 17.0790% | 109 |
| Net charge-offs to loans | -0.0031% | 3,732 |
| Credit loss provision to net charge-offs | -13,333.3333% | 3,993 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2907% | 4,534 |
| Assets per employee ($millions) | 9.9592% | 389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2405% | 2,448 |
| Loan loss allowance to noncurrent loans | 431.5009% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.2092% | 3,640 |
| Noncurrent loans to loans | 0.2875% | 3,464 |
| Net loans and leases to total assets | 71.8721% | 1,937 |
| Net loans and leases to deposits | 83.4100% | 2,293 |
| Net loans and leases to core deposits | 86.0805% | 2,675 |
| Total domestic deposits to total assets | 86.1672% | 1,935 |
| Equity capital to assets | 10.0899% | 3,695 |
| Core capital (leverage) ratio | 10.0430% | 3,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8902% | 1,630 |
| Memoranda: |
| Average total assets | $543,038,500 | 1,369 |
| Average earning assets | $517,202,000 | 1,336 |
| Average equity | $53,071,000 | 1,569 |
| Average total loans | $387,532,500 | 1,328 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9431% | 1,629 |
| Cost of funding earning assets | 0.2224% | 4,911 |
| Net interest margin | 4.7206% | 448 |
| Noninterest income to average assets | 0.8168% | 1,397 |
| Noninterest expense to average assets | 2.5919% | 3,197 |
| Loan and lease loss provision to assets | 0.1303% | 1,645 |
| Net operating income to assets | 1.8647% | 461 |
| Return on assets (ROA) | 1.8656% | 484 |
| Pretax return on assets | 2.5620% | 188 |
| Return on Equity (ROE) | 20.1623% | 206 |
| Retained earnings to average equity (ytd only) | 20.1623% | 31 |
| Net charge-offs to loans | 0.0454% | 2,475 |
| Credit loss provision to net charge-offs | 424.3421% | 673 |
| Earnings coverage of net charge-offs (x) | 87.6579% | 745 |
| Efficiency ratio | 49.0614% | 4,782 |
| Assets per employee ($millions) | 9.6128% | 397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2066% | 2,400 |
| Loan loss allowance to noncurrent loans | 733.7641% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.1150% | 4,060 |
| Noncurrent loans to loans | 0.1644% | 3,871 |
| Net loans and leases to total assets | 69.0841% | 2,533 |
| Net loans and leases to deposits | 76.8555% | 3,100 |
| Net loans and leases to core deposits | 79.7766% | 3,312 |
| Total domestic deposits to total assets | 89.8883% | 356 |
| Equity capital to assets | 9.4505% | 4,389 |
| Core capital (leverage) ratio | 9.3590% | 4,214 |
| Tier 1 risk-based capital ratio | 14.8505% | 2,845 |
| Total risk-based capital ratio | 16.1014% | 2,773 |
| Memoranda: |
| Average total assets | $495,113,800 | 1,438 |
| Average earning assets | $468,434,800 | 1,420 |
| Average equity | $45,813,200 | 1,730 |
| Average total loans | $335,166,600 | 1,480 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9384% | 1,709 |
| Cost of funding earning assets | 0.2169% | 4,997 |
| Net interest margin | 4.7215% | 473 |
| Noninterest income to average assets | 0.6827% | 1,860 |
| Noninterest expense to average assets | 2.5437% | 3,316 |
| Loan and lease loss provision to assets | 0.0647% | 2,598 |
| Net operating income to assets | 1.8325% | 574 |
| Return on assets (ROA) | 1.8338% | 598 |
| Pretax return on assets | 2.5413% | 232 |
| Return on Equity (ROE) | 19.9360% | 248 |
| Retained earnings to average equity (ytd only) | 19.9360% | 47 |
| Net charge-offs to loans | 0.0632% | 1,920 |
| Credit loss provision to net charge-offs | 152.5974% | 1,607 |
| Earnings coverage of net charge-offs (x) | 61.4280% | 1,038 |
| Efficiency ratio | 49.4118% | 4,780 |
| Assets per employee ($millions) | 10.3588% | 316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1380% | 2,836 |
| Loan loss allowance to noncurrent loans | 538.4615% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.1424% | 4,027 |
| Noncurrent loans to loans | 0.2113% | 3,780 |
| Net loans and leases to total assets | 66.6084% | 2,974 |
| Net loans and leases to deposits | 73.6410% | 3,507 |
| Net loans and leases to core deposits | 76.4606% | 3,665 |
| Total domestic deposits to total assets | 90.4501% | 180 |
| Equity capital to assets | 9.0093% | 4,777 |
| Core capital (leverage) ratio | 9.6245% | 4,047 |
| Tier 1 risk-based capital ratio | 15.1843% | 2,764 |
| Total risk-based capital ratio | 16.4352% | 2,695 |
| Memoranda: |
| Average total assets | $484,312,500 | 1,472 |
| Average earning assets | $458,033,000 | 1,445 |
| Average equity | $44,548,000 | 1,776 |
| Average total loans | $324,849,500 | 1,526 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9794% | 1,536 |
| Cost of funding earning assets | 0.2088% | 5,054 |
| Net interest margin | 4.7706% | 432 |
| Noninterest income to average assets | 0.6581% | 1,882 |
| Noninterest expense to average assets | 2.5393% | 3,356 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.8924% | 489 |
| Return on assets (ROA) | 1.8945% | 510 |
| Pretax return on assets | 2.6405% | 200 |
| Return on Equity (ROE) | 20.4345% | 228 |
| Retained earnings to average equity (ytd only) | 20.4345% | 55 |
| Net charge-offs to loans | 0.1006% | 1,375 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 39.1656% | 1,260 |
| Efficiency ratio | 49.0471% | 4,833 |
| Assets per employee ($millions) | 9.5827% | 382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2483% | 2,266 |
| Loan loss allowance to noncurrent loans | 489.5597% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.1728% | 3,895 |
| Noncurrent loans to loans | 0.2550% | 3,618 |
| Net loans and leases to total assets | 66.9397% | 2,974 |
| Net loans and leases to deposits | 74.9120% | 3,435 |
| Net loans and leases to core deposits | 77.0193% | 3,649 |
| Total domestic deposits to total assets | 89.3577% | 517 |
| Equity capital to assets | 10.0057% | 3,974 |
| Core capital (leverage) ratio | 10.0569% | 3,528 |
| Tier 1 risk-based capital ratio | 17.2694% | 2,005 |
| Total risk-based capital ratio | 18.5223% | 1,960 |
| Memoranda: |
| Average total assets | $466,198,000 | 1,520 |
| Average earning assets | $441,622,000 | 1,491 |
| Average equity | $43,221,000 | 1,820 |
| Average total loans | $312,159,330 | 1,568 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8614% | 1,723 |
| Cost of funding earning assets | 0.1875% | 5,145 |
| Net interest margin | 4.6739% | 524 |
| Noninterest income to average assets | 0.5702% | 2,182 |
| Noninterest expense to average assets | 2.4870% | 3,547 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8171% | 558 |
| Return on assets (ROA) | 1.8171% | 575 |
| Pretax return on assets | 2.5228% | 234 |
| Return on Equity (ROE) | 20.3922% | 245 |
| Retained earnings to average equity (ytd only) | 20.3922% | 98 |
| Net charge-offs to loans | -0.0026% | 3,899 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6427% | 4,858 |
| Assets per employee ($millions) | 10.4772% | 295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2777% | 2,198 |
| Loan loss allowance to noncurrent loans | 124.5312% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 0.6900% | 2,030 |
| Noncurrent loans to loans | 1.0260% | 1,628 |
| Net loans and leases to total assets | 66.3877% | 2,994 |
| Net loans and leases to deposits | 73.5829% | 3,480 |
| Net loans and leases to core deposits | 76.0053% | 3,662 |
| Total domestic deposits to total assets | 90.2216% | 374 |
| Equity capital to assets | 9.1561% | 4,571 |
| Core capital (leverage) ratio | 9.3442% | 4,324 |
| Tier 1 risk-based capital ratio | 16.3745% | 2,311 |
| Total risk-based capital ratio | 17.6283% | 2,254 |
| Memoranda: |
| Average total assets | $469,313,000 | 1,525 |
| Average earning assets | $445,796,000 | 1,490 |
| Average equity | $41,820,000 | 1,864 |
| Average total loans | $312,342,500 | 1,580 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6538% | 1,981 |
| Cost of funding earning assets | 0.1551% | 5,158 |
| Net interest margin | 4.4987% | 764 |
| Noninterest income to average assets | 0.5642% | 2,473 |
| Noninterest expense to average assets | 2.6181% | 3,279 |
| Loan and lease loss provision to assets | 0.2218% | 811 |
| Net operating income to assets | 1.4714% | 1,200 |
| Return on assets (ROA) | 1.4688% | 1,197 |
| Pretax return on assets | 1.9816% | 583 |
| Return on Equity (ROE) | 16.9635% | 497 |
| Retained earnings to average equity (ytd only) | 16.9635% | 68 |
| Net charge-offs to loans | 0.0940% | 1,825 |
| Credit loss provision to net charge-offs | 359.8485% | 892 |
| Earnings coverage of net charge-offs (x) | 35.7955% | 1,424 |
| Efficiency ratio | 54.2639% | 4,593 |
| Assets per employee ($millions) | 10.6170% | 287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3162% | 1,964 |
| Loan loss allowance to noncurrent loans | 125.7453% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 0.6893% | 2,008 |
| Noncurrent loans to loans | 1.0467% | 1,564 |
| Net loans and leases to total assets | 64.9862% | 3,257 |
| Net loans and leases to deposits | 71.5186% | 3,709 |
| Net loans and leases to core deposits | 74.0159% | 3,851 |
| Total domestic deposits to total assets | 90.8661% | 236 |
| Equity capital to assets | 8.6634% | 4,833 |
| Core capital (leverage) ratio | 8.7376% | 4,851 |
| Tier 1 risk-based capital ratio | 15.3443% | 2,681 |
| Total risk-based capital ratio | 16.5975% | 2,605 |
| Memoranda: |
| Average total assets | $428,244,000 | 1,598 |
| Average earning assets | $405,579,800 | 1,566 |
| Average equity | $37,079,600 | 1,980 |
| Average total loans | $280,950,200 | 1,673 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5959% | 1,986 |
| Cost of funding earning assets | 0.1442% | 5,237 |
| Net interest margin | 4.4517% | 817 |
| Noninterest income to average assets | 0.4113% | 3,414 |
| Noninterest expense to average assets | 2.4734% | 3,669 |
| Loan and lease loss provision to assets | 0.0956% | 2,068 |
| Net operating income to assets | 1.4891% | 1,224 |
| Return on assets (ROA) | 1.4871% | 1,227 |
| Pretax return on assets | 2.0481% | 551 |
| Return on Equity (ROE) | 17.1779% | 526 |
| Retained earnings to average equity (ytd only) | 17.1779% | 103 |
| Net charge-offs to loans | -0.0024% | 4,114 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,864 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5411% | 4,650 |
| Assets per employee ($millions) | 10.5569% | 282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2959% | 2,112 |
| Loan loss allowance to noncurrent loans | 116.2599% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 0.7116% | 2,071 |
| Noncurrent loans to loans | 1.1146% | 1,527 |
| Net loans and leases to total assets | 63.0120% | 3,543 |
| Net loans and leases to deposits | 69.3190% | 3,972 |
| Net loans and leases to core deposits | 72.0846% | 4,079 |
| Total domestic deposits to total assets | 90.9015% | 242 |
| Equity capital to assets | 8.6527% | 4,829 |
| Core capital (leverage) ratio | 9.0027% | 4,698 |
| Tier 1 risk-based capital ratio | 16.1120% | 2,404 |
| Total risk-based capital ratio | 17.3654% | 2,344 |
| Memoranda: |
| Average total assets | $418,517,500 | 1,639 |
| Average earning assets | $395,645,250 | 1,614 |
| Average equity | $36,231,750 | 2,023 |
| Average total loans | $274,279,750 | 1,706 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4813% | 2,157 |
| Cost of funding earning assets | 0.1421% | 5,275 |
| Net interest margin | 4.3391% | 959 |
| Noninterest income to average assets | 0.4032% | 3,459 |
| Noninterest expense to average assets | 2.4923% | 3,651 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4743% | 1,215 |
| Return on assets (ROA) | 1.4743% | 1,214 |
| Pretax return on assets | 2.0194% | 580 |
| Return on Equity (ROE) | 17.0267% | 520 |
| Retained earnings to average equity (ytd only) | 17.0267% | 124 |
| Net charge-offs to loans | -0.0022% | 3,958 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2410% | 4,563 |
| Assets per employee ($millions) | 9.8456% | 333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2024% | 2,697 |
| Loan loss allowance to noncurrent loans | 114.9983% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 0.7078% | 2,110 |
| Noncurrent loans to loans | 1.0456% | 1,677 |
| Net loans and leases to total assets | 66.8838% | 3,031 |
| Net loans and leases to deposits | 73.7079% | 3,568 |
| Net loans and leases to core deposits | 76.9844% | 3,662 |
| Total domestic deposits to total assets | 90.7418% | 314 |
| Equity capital to assets | 8.9107% | 4,630 |
| Core capital (leverage) ratio | 9.3151% | 4,345 |
| Tier 1 risk-based capital ratio | 15.9219% | 2,466 |
| Total risk-based capital ratio | 17.1743% | 2,405 |
| Memoranda: |
| Average total assets | $410,226,670 | 1,677 |
| Average earning assets | $388,418,330 | 1,643 |
| Average equity | $35,520,670 | 2,068 |
| Average total loans | $271,354,000 | 1,729 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3742% | 2,281 |
| Cost of funding earning assets | 0.1424% | 5,303 |
| Net interest margin | 4.2318% | 1,100 |
| Noninterest income to average assets | 0.3975% | 3,492 |
| Noninterest expense to average assets | 2.4729% | 3,736 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4391% | 1,228 |
| Return on assets (ROA) | 1.4391% | 1,233 |
| Pretax return on assets | 1.9394% | 661 |
| Return on Equity (ROE) | 16.8687% | 523 |
| Retained earnings to average equity (ytd only) | 16.8687% | 197 |
| Net charge-offs to loans | -0.0015% | 3,783 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0462% | 4,573 |
| Assets per employee ($millions) | 9.9949% | 328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2452% | 2,544 |
| Loan loss allowance to noncurrent loans | 114.9300% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 0.7143% | 2,180 |
| Noncurrent loans to loans | 1.0835% | 1,693 |
| Net loans and leases to total assets | 65.1025% | 3,163 |
| Net loans and leases to deposits | 71.5581% | 3,654 |
| Net loans and leases to core deposits | 76.1436% | 3,659 |
| Total domestic deposits to total assets | 90.9786% | 329 |
| Equity capital to assets | 8.6449% | 4,863 |
| Core capital (leverage) ratio | 8.7712% | 4,926 |
| Tier 1 risk-based capital ratio | 15.7055% | 2,588 |
| Total risk-based capital ratio | 16.9583% | 2,539 |
| Memoranda: |
| Average total assets | $408,583,000 | 1,696 |
| Average earning assets | $387,640,500 | 1,660 |
| Average equity | $34,857,500 | 2,109 |
| Average total loans | $267,061,000 | 1,760 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2746% | 2,412 |
| Cost of funding earning assets | 0.1343% | 5,351 |
| Net interest margin | 4.1404% | 1,325 |
| Noninterest income to average assets | 0.4881% | 3,073 |
| Noninterest expense to average assets | 2.4653% | 3,895 |
| Loan and lease loss provision to assets | 0.2227% | 886 |
| Net operating income to assets | 0.9806% | 2,327 |
| Return on assets (ROA) | 1.0011% | 2,275 |
| Pretax return on assets | 1.8041% | 788 |
| Return on Equity (ROE) | 11.4817% | 1,346 |
| Retained earnings to average equity (ytd only) | 11.4817% | 213 |
| Net charge-offs to loans | 0.1391% | 1,676 |
| Credit loss provision to net charge-offs | 241.2281% | 1,148 |
| Earnings coverage of net charge-offs (x) | 21.6023% | 1,891 |
| Efficiency ratio | 55.2757% | 4,835 |
| Assets per employee ($millions) | 10.1844% | 303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2740% | 2,351 |
| Loan loss allowance to noncurrent loans | 114.8173% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 0.7190% | 2,175 |
| Noncurrent loans to loans | 1.1096% | 1,593 |
| Net loans and leases to total assets | 63.9732% | 3,370 |
| Net loans and leases to deposits | 70.1513% | 3,859 |
| Net loans and leases to core deposits | 76.3536% | 3,712 |
| Total domestic deposits to total assets | 91.1931% | 198 |
| Equity capital to assets | 8.4171% | 5,180 |
| Core capital (leverage) ratio | 8.5997% | 5,039 |
| Tier 1 risk-based capital ratio | 15.6477% | 2,566 |
| Total risk-based capital ratio | 16.9019% | 2,505 |
| Memoranda: |
| Average total assets | $370,379,000 | 1,831 |
| Average earning assets | $355,305,800 | 1,782 |
| Average equity | $32,295,000 | 2,206 |
| Average total loans | $245,932,200 | 1,844 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3173% | 2,218 |
| Cost of funding earning assets | 0.1315% | 5,419 |
| Net interest margin | 4.1858% | 1,188 |
| Noninterest income to average assets | 0.5161% | 2,931 |
| Noninterest expense to average assets | 2.5560% | 3,549 |
| Loan and lease loss provision to assets | 0.3046% | 513 |
| Net operating income to assets | 1.0164% | 2,488 |
| Return on assets (ROA) | 1.0445% | 2,393 |
| Pretax return on assets | 1.7183% | 1,078 |
| Return on Equity (ROE) | 11.8627% | 1,377 |
| Retained earnings to average equity (ytd only) | 11.8627% | 308 |
| Net charge-offs to loans | 0.1977% | 1,077 |
| Credit loss provision to net charge-offs | 230.4469% | 1,211 |
| Earnings coverage of net charge-offs (x) | 14.9721% | 2,264 |
| Efficiency ratio | 56.3625% | 4,690 |
| Assets per employee ($millions) | 9.1951% | 404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3658% | 2,050 |
| Loan loss allowance to noncurrent loans | 114.2711% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 0.7769% | 2,194 |
| Noncurrent loans to loans | 1.1952% | 1,603 |
| Net loans and leases to total assets | 64.1156% | 3,381 |
| Net loans and leases to deposits | 70.6254% | 3,908 |
| Net loans and leases to core deposits | 75.9655% | 3,803 |
| Total domestic deposits to total assets | 90.7828% | 234 |
| Equity capital to assets | 8.9109% | 4,989 |
| Core capital (leverage) ratio | 8.9188% | 4,839 |
| Tier 1 risk-based capital ratio | 15.3092% | 2,789 |
| Total risk-based capital ratio | 16.5631% | 2,726 |
| Memoranda: |
| Average total assets | $361,130,250 | 1,875 |
| Average earning assets | $346,720,750 | 1,826 |
| Average equity | $31,796,500 | 2,249 |
| Average total loans | $241,422,000 | 1,880 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2525% | 2,277 |
| Cost of funding earning assets | 0.1296% | 5,447 |
| Net interest margin | 4.1229% | 1,263 |
| Noninterest income to average assets | 0.4907% | 3,081 |
| Noninterest expense to average assets | 2.5910% | 3,461 |
| Loan and lease loss provision to assets | 0.2670% | 608 |
| Net operating income to assets | 0.9862% | 2,496 |
| Return on assets (ROA) | 0.9898% | 2,526 |
| Pretax return on assets | 1.6254% | 1,260 |
| Return on Equity (ROE) | 11.2894% | 1,534 |
| Retained earnings to average equity (ytd only) | 11.2894% | 401 |
| Net charge-offs to loans | 0.2723% | 744 |
| Credit loss provision to net charge-offs | 145.2599% | 1,552 |
| Earnings coverage of net charge-offs (x) | 10.2661% | 2,353 |
| Efficiency ratio | 57.8637% | 4,611 |
| Assets per employee ($millions) | 8.5852% | 489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2213% | 2,888 |
| Loan loss allowance to noncurrent loans | 103.3095% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 0.8327% | 2,132 |
| Noncurrent loans to loans | 1.1822% | 1,654 |
| Net loans and leases to total assets | 69.5757% | 2,586 |
| Net loans and leases to deposits | 76.8966% | 3,234 |
| Net loans and leases to core deposits | 83.1952% | 3,154 |
| Total domestic deposits to total assets | 90.4796% | 367 |
| Equity capital to assets | 9.2650% | 4,660 |
| Core capital (leverage) ratio | 9.1807% | 4,515 |
| Tier 1 risk-based capital ratio | 15.3440% | 2,782 |
| Total risk-based capital ratio | 16.5965% | 2,716 |
| Memoranda: |
| Average total assets | $355,840,330 | 1,899 |
| Average earning assets | $344,126,000 | 1,842 |
| Average equity | $31,197,330 | 2,279 |
| Average total loans | $240,208,330 | 1,886 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1138% | 2,602 |
| Cost of funding earning assets | 0.1314% | 5,479 |
| Net interest margin | 3.9824% | 1,514 |
| Noninterest income to average assets | 0.3388% | 4,136 |
| Noninterest expense to average assets | 2.5760% | 3,571 |
| Loan and lease loss provision to assets | 0.0894% | 2,051 |
| Net operating income to assets | 0.9342% | 2,588 |
| Return on assets (ROA) | 0.9414% | 2,615 |
| Pretax return on assets | 1.5463% | 1,388 |
| Return on Equity (ROE) | 11.0462% | 1,542 |
| Retained earnings to average equity (ytd only) | 11.0462% | 595 |
| Net charge-offs to loans | 0.0017% | 2,908 |
| Credit loss provision to net charge-offs | 8,000.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 1,453.0000% | 23 |
| Efficiency ratio | 61.3255% | 4,260 |
| Assets per employee ($millions) | 8.3809% | 527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2055% | 3,100 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 68.8931% | 2,550 |
| Net loans and leases to deposits | 75.9346% | 3,206 |
| Net loans and leases to core deposits | 81.1035% | 3,185 |
| Total domestic deposits to total assets | 90.7269% | 385 |
| Equity capital to assets | 8.8867% | 4,918 |
| Core capital (leverage) ratio | 8.8235% | 4,937 |
| Tier 1 risk-based capital ratio | 14.8777% | 3,029 |
| Total risk-based capital ratio | 16.1302% | 2,955 |
| Memoranda: |
| Average total assets | $357,764,500 | 1,902 |
| Average earning assets | $346,927,500 | 1,840 |
| Average equity | $30,490,000 | 2,339 |
| Average total loans | $236,348,000 | 1,919 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2704% | 2,247 |
| Cost of funding earning assets | 0.1512% | 5,416 |
| Net interest margin | 4.1191% | 1,336 |
| Noninterest income to average assets | 0.5457% | 2,942 |
| Noninterest expense to average assets | 2.4547% | 4,148 |
| Loan and lease loss provision to assets | 0.4001% | 389 |
| Net operating income to assets | 0.9802% | 2,436 |
| Return on assets (ROA) | 0.9818% | 2,531 |
| Pretax return on assets | 1.6356% | 1,178 |
| Return on Equity (ROE) | 10.9316% | 1,602 |
| Retained earnings to average equity (ytd only) | 10.9316% | 311 |
| Net charge-offs to loans | 0.9434% | 198 |
| Credit loss provision to net charge-offs | 65.1905% | 3,180 |
| Earnings coverage of net charge-offs (x) | 3.3131% | 3,688 |
| Efficiency ratio | 54.6965% | 5,183 |
| Assets per employee ($millions) | 9.8252% | 323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2674% | 2,721 |
| Loan loss allowance to noncurrent loans | 976.2712% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.0811% | 5,017 |
| Noncurrent loans to loans | 0.1298% | 4,714 |
| Net loans and leases to total assets | 61.7154% | 3,646 |
| Net loans and leases to deposits | 67.4696% | 4,132 |
| Net loans and leases to core deposits | 73.2912% | 3,981 |
| Total domestic deposits to total assets | 91.4715% | 164 |
| Equity capital to assets | 8.1695% | 5,487 |
| Core capital (leverage) ratio | 8.4480% | 5,318 |
| Tier 1 risk-based capital ratio | 14.8299% | 3,037 |
| Total risk-based capital ratio | 16.0826% | 2,976 |
| Memoranda: |
| Average total assets | $316,457,600 | 2,083 |
| Average earning assets | $302,853,800 | 2,027 |
| Average equity | $28,422,200 | 2,482 |
| Average total loans | $205,852,000 | 2,074 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3429% | 2,022 |
| Cost of funding earning assets | 0.1538% | 5,465 |
| Net interest margin | 4.1891% | 1,147 |
| Noninterest income to average assets | 0.5571% | 2,884 |
| Noninterest expense to average assets | 2.5310% | 3,893 |
| Loan and lease loss provision to assets | 0.4770% | 270 |
| Net operating income to assets | 0.9473% | 2,669 |
| Return on assets (ROA) | 0.9496% | 2,796 |
| Pretax return on assets | 1.5465% | 1,552 |
| Return on Equity (ROE) | 10.2952% | 1,930 |
| Retained earnings to average equity (ytd only) | 10.2952% | 513 |
| Net charge-offs to loans | 1.3040% | 116 |
| Credit loss provision to net charge-offs | 55.5839% | 2,964 |
| Earnings coverage of net charge-offs (x) | 2.3539% | 3,583 |
| Efficiency ratio | 55.6154% | 5,099 |
| Assets per employee ($millions) | 9.0125% | 409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2528% | 2,939 |
| Loan loss allowance to noncurrent loans | 910.1695% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.0885% | 5,088 |
| Noncurrent loans to loans | 0.1376% | 4,791 |
| Net loans and leases to total assets | 63.4655% | 3,462 |
| Net loans and leases to deposits | 69.7229% | 4,010 |
| Net loans and leases to core deposits | 77.0464% | 3,749 |
| Total domestic deposits to total assets | 91.0254% | 193 |
| Equity capital to assets | 8.8121% | 5,310 |
| Core capital (leverage) ratio | 9.0263% | 4,805 |
| Tier 1 risk-based capital ratio | 14.1702% | 3,469 |
| Total risk-based capital ratio | 15.4212% | 3,396 |
| Memoranda: |
| Average total assets | $304,688,750 | 2,147 |
| Average earning assets | $290,490,500 | 2,101 |
| Average equity | $28,103,000 | 2,526 |
| Average total loans | $200,506,000 | 2,122 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3354% | 2,032 |
| Cost of funding earning assets | 0.1558% | 5,508 |
| Net interest margin | 4.1796% | 1,160 |
| Noninterest income to average assets | 0.5632% | 2,832 |
| Noninterest expense to average assets | 2.5815% | 3,788 |
| Loan and lease loss provision to assets | 0.3558% | 458 |
| Net operating income to assets | 0.9867% | 2,444 |
| Return on assets (ROA) | 0.9902% | 2,574 |
| Pretax return on assets | 1.6130% | 1,332 |
| Return on Equity (ROE) | 10.5580% | 1,826 |
| Retained earnings to average equity (ytd only) | 10.5580% | 497 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7999% | 5,051 |
| Assets per employee ($millions) | 7.9005% | 591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9671% | 791 |
| Loan loss allowance to noncurrent loans | 172.9237% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.8073% | 2,575 |
| Noncurrent loans to loans | 1.1375% | 2,026 |
| Net loans and leases to total assets | 69.5766% | 2,535 |
| Net loans and leases to deposits | 78.9563% | 3,061 |
| Net loans and leases to core deposits | 87.7647% | 2,748 |
| Total domestic deposits to total assets | 88.1205% | 1,371 |
| Equity capital to assets | 9.7818% | 4,472 |
| Core capital (leverage) ratio | 9.5191% | 4,184 |
| Tier 1 risk-based capital ratio | 14.6632% | 3,226 |
| Total risk-based capital ratio | 15.9246% | 3,162 |
| Memoranda: |
| Average total assets | $295,097,330 | 2,210 |
| Average earning assets | $281,124,670 | 2,166 |
| Average equity | $27,675,670 | 2,556 |
| Average total loans | $195,901,670 | 2,157 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2186% | 2,406 |
| Cost of funding earning assets | 0.1562% | 5,566 |
| Net interest margin | 4.0624% | 1,443 |
| Noninterest income to average assets | 0.5181% | 3,006 |
| Noninterest expense to average assets | 2.5404% | 3,942 |
| Loan and lease loss provision to assets | 0.2833% | 582 |
| Net operating income to assets | 0.9541% | 2,495 |
| Return on assets (ROA) | 0.9592% | 2,581 |
| Pretax return on assets | 1.5623% | 1,398 |
| Return on Equity (ROE) | 10.4495% | 1,796 |
| Retained earnings to average equity (ytd only) | 10.4495% | 752 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0277% | 4,995 |
| Assets per employee ($millions) | 8.7423% | 432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9631% | 872 |
| Loan loss allowance to noncurrent loans | 159.5763% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 0.7940% | 2,711 |
| Noncurrent loans to loans | 1.2302% | 1,965 |
| Net loans and leases to total assets | 63.2752% | 3,347 |
| Net loans and leases to deposits | 69.9063% | 3,866 |
| Net loans and leases to core deposits | 76.2527% | 3,660 |
| Total domestic deposits to total assets | 90.5143% | 427 |
| Equity capital to assets | 9.3252% | 4,864 |
| Core capital (leverage) ratio | 9.0909% | 4,745 |
| Tier 1 risk-based capital ratio | 15.2265% | 3,049 |
| Total risk-based capital ratio | 16.4873% | 2,983 |
| Memoranda: |
| Average total assets | $296,487,000 | 2,206 |
| Average earning assets | $281,704,500 | 2,169 |
| Average equity | $27,216,500 | 2,583 |
| Average total loans | $190,119,500 | 2,211 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2515% | 2,384 |
| Cost of funding earning assets | 0.1625% | 5,587 |
| Net interest margin | 4.0890% | 1,438 |
| Noninterest income to average assets | 0.4615% | 3,585 |
| Noninterest expense to average assets | 2.7629% | 3,375 |
| Loan and lease loss provision to assets | 0.0991% | 2,329 |
| Net operating income to assets | 0.9174% | 2,772 |
| Return on assets (ROA) | 0.9333% | 2,772 |
| Pretax return on assets | 1.5203% | 1,492 |
| Return on Equity (ROE) | 9.9667% | 2,025 |
| Retained earnings to average equity (ytd only) | 9.9667% | 463 |
| Net charge-offs to loans | -0.1380% | 5,871 |
| Credit loss provision to net charge-offs | -111.1111% | 5,165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4083% | 4,381 |
| Assets per employee ($millions) | 9.2418% | 354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8875% | 977 |
| Loan loss allowance to noncurrent loans | 150.6141% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.7983% | 2,677 |
| Noncurrent loans to loans | 1.2532% | 1,882 |
| Net loans and leases to total assets | 62.5014% | 3,488 |
| Net loans and leases to deposits | 68.8798% | 4,038 |
| Net loans and leases to core deposits | 75.6696% | 3,784 |
| Total domestic deposits to total assets | 90.7397% | 361 |
| Equity capital to assets | 9.0334% | 5,091 |
| Core capital (leverage) ratio | 8.7765% | 5,133 |
| Tier 1 risk-based capital ratio | 15.3917% | 2,993 |
| Total risk-based capital ratio | 16.6521% | 2,921 |
| Memoranda: |
| Average total assets | $272,572,800 | 2,319 |
| Average earning assets | $259,694,400 | 2,267 |
| Average equity | $25,525,000 | 2,650 |
| Average total loans | $176,133,600 | 2,282 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2974% | 2,238 |
| Cost of funding earning assets | 0.1628% | 5,680 |
| Net interest margin | 4.1345% | 1,314 |
| Noninterest income to average assets | 0.5158% | 3,255 |
| Noninterest expense to average assets | 2.7273% | 3,470 |
| Loan and lease loss provision to assets | 0.1349% | 1,664 |
| Net operating income to assets | 0.9817% | 2,567 |
| Return on assets (ROA) | 1.0005% | 2,558 |
| Pretax return on assets | 1.6298% | 1,297 |
| Return on Equity (ROE) | 10.5808% | 1,871 |
| Retained earnings to average equity (ytd only) | 10.5808% | 542 |
| Net charge-offs to loans | -0.1849% | 5,975 |
| Credit loss provision to net charge-offs | -112.5000% | 5,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1155% | 4,708 |
| Assets per employee ($millions) | 10.0555% | 264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9853% | 934 |
| Loan loss allowance to noncurrent loans | 149.4741% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 0.8151% | 2,844 |
| Noncurrent loans to loans | 1.3282% | 1,924 |
| Net loans and leases to total assets | 60.1518% | 3,864 |
| Net loans and leases to deposits | 66.2742% | 4,362 |
| Net loans and leases to core deposits | 71.2881% | 4,247 |
| Total domestic deposits to total assets | 90.7619% | 319 |
| Equity capital to assets | 9.0189% | 5,293 |
| Core capital (leverage) ratio | 9.3057% | 4,577 |
| Tier 1 risk-based capital ratio | 15.7749% | 2,908 |
| Total risk-based capital ratio | 17.0366% | 2,839 |
| Memoranda: |
| Average total assets | $266,782,000 | 2,386 |
| Average earning assets | $254,662,250 | 2,317 |
| Average equity | $25,227,500 | 2,699 |
| Average total loans | $173,068,250 | 2,331 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3746% | 1,934 |
| Cost of funding earning assets | 0.1670% | 5,725 |
| Net interest margin | 4.2076% | 1,097 |
| Noninterest income to average assets | 0.5586% | 2,983 |
| Noninterest expense to average assets | 2.7442% | 3,434 |
| Loan and lease loss provision to assets | 0.2089% | 931 |
| Net operating income to assets | 0.9944% | 2,414 |
| Return on assets (ROA) | 1.0236% | 2,386 |
| Pretax return on assets | 1.6673% | 1,150 |
| Return on Equity (ROE) | 10.6393% | 1,796 |
| Retained earnings to average equity (ytd only) | 10.6393% | 557 |
| Net charge-offs to loans | -0.2653% | 6,095 |
| Credit loss provision to net charge-offs | -118.9427% | 4,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9865% | 4,984 |
| Assets per employee ($millions) | 8.5518% | 430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9741% | 1,023 |
| Loan loss allowance to noncurrent loans | 144.9631% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.9518% | 2,630 |
| Noncurrent loans to loans | 1.3618% | 1,984 |
| Net loans and leases to total assets | 68.5147% | 2,565 |
| Net loans and leases to deposits | 76.2621% | 3,238 |
| Net loans and leases to core deposits | 82.9185% | 3,091 |
| Total domestic deposits to total assets | 89.8412% | 732 |
| Equity capital to assets | 9.9133% | 4,134 |
| Core capital (leverage) ratio | 9.9127% | 3,723 |
| Tier 1 risk-based capital ratio | 15.8880% | 2,910 |
| Total risk-based capital ratio | 17.1504% | 2,866 |
| Memoranda: |
| Average total assets | $258,506,330 | 2,467 |
| Average earning assets | $246,741,330 | 2,400 |
| Average equity | $24,870,000 | 2,731 |
| Average total loans | $171,104,000 | 2,360 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3231% | 2,020 |
| Cost of funding earning assets | 0.1727% | 5,751 |
| Net interest margin | 4.1504% | 1,163 |
| Noninterest income to average assets | 0.4995% | 3,290 |
| Noninterest expense to average assets | 2.7100% | 3,551 |
| Loan and lease loss provision to assets | 0.2235% | 785 |
| Net operating income to assets | 0.9376% | 2,571 |
| Return on assets (ROA) | 0.9958% | 2,417 |
| Pretax return on assets | 1.6217% | 1,215 |
| Return on Equity (ROE) | 10.5090% | 1,795 |
| Retained earnings to average equity (ytd only) | 10.5090% | 811 |
| Net charge-offs to loans | -0.0407% | 5,417 |
| Credit loss provision to net charge-offs | -852.9412% | 4,943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7044% | 5,002 |
| Assets per employee ($millions) | 8.2905% | 478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8680% | 1,346 |
| Loan loss allowance to noncurrent loans | 6,540.8163% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0185% | 5,873 |
| Noncurrent loans to loans | 0.0286% | 5,694 |
| Net loans and leases to total assets | 63.4637% | 3,171 |
| Net loans and leases to deposits | 70.3642% | 3,714 |
| Net loans and leases to core deposits | 76.6202% | 3,530 |
| Total domestic deposits to total assets | 90.1932% | 653 |
| Equity capital to assets | 9.4254% | 4,836 |
| Core capital (leverage) ratio | 9.6381% | 4,101 |
| Tier 1 risk-based capital ratio | 16.2362% | 2,808 |
| Total risk-based capital ratio | 17.4994% | 2,745 |
| Memoranda: |
| Average total assets | $259,482,000 | 2,474 |
| Average earning assets | $247,879,000 | 2,398 |
| Average equity | $24,588,500 | 2,780 |
| Average total loans | $166,997,000 | 2,409 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4067% | 2,197 |
| Cost of funding earning assets | 0.1865% | 5,863 |
| Net interest margin | 4.2202% | 1,247 |
| Noninterest income to average assets | 0.4917% | 3,574 |
| Noninterest expense to average assets | 2.8949% | 3,169 |
| Loan and lease loss provision to assets | 0.1587% | 1,655 |
| Net operating income to assets | 0.9128% | 2,815 |
| Return on assets (ROA) | 0.8847% | 3,032 |
| Pretax return on assets | 1.3827% | 1,944 |
| Return on Equity (ROE) | 9.2065% | 2,482 |
| Retained earnings to average equity (ytd only) | 5.4726% | 2,278 |
| Net charge-offs to loans | -0.0936% | 6,095 |
| Credit loss provision to net charge-offs | -271.4286% | 5,686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6154% | 4,473 |
| Assets per employee ($millions) | 7.2477% | 736 |
| Cash dividends to net income (ytd only)* | 40.5571% | 2,812 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8735% | 1,376 |
| Loan loss allowance to noncurrent loans | 6,210.2041% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 5,966 |
| Noncurrent loans to loans | 0.0302% | 5,767 |
| Net loans and leases to total assets | 62.8299% | 3,390 |
| Net loans and leases to deposits | 69.7817% | 3,945 |
| Net loans and leases to core deposits | 76.2431% | 3,681 |
| Total domestic deposits to total assets | 90.0378% | 716 |
| Equity capital to assets | 9.5290% | 4,690 |
| Core capital (leverage) ratio | 9.0607% | 4,889 |
| Tier 1 risk-based capital ratio | 17.0232% | 2,507 |
| Total risk-based capital ratio | 18.2845% | 2,451 |
| Memoranda: |
| Average total assets | $239,389,800 | 2,619 |
| Average earning assets | $226,247,400 | 2,560 |
| Average equity | $23,005,400 | 2,848 |
| Average total loans | $149,613,000 | 2,574 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4091% | 2,185 |
| Cost of funding earning assets | 0.1878% | 5,940 |
| Net interest margin | 4.2213% | 1,221 |
| Noninterest income to average assets | 0.5303% | 3,319 |
| Noninterest expense to average assets | 2.8597% | 3,260 |
| Loan and lease loss provision to assets | 0.2148% | 1,068 |
| Net operating income to assets | 0.9312% | 2,775 |
| Return on assets (ROA) | 0.8933% | 3,042 |
| Pretax return on assets | 1.3745% | 2,101 |
| Return on Equity (ROE) | 9.2746% | 2,554 |
| Retained earnings to average equity (ytd only) | 7.4901% | 1,579 |
| Net charge-offs to loans | -0.1275% | 6,200 |
| Credit loss provision to net charge-offs | -271.4286% | 5,623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4471% | 4,639 |
| Assets per employee ($millions) | 7.3809% | 677 |
| Cash dividends to net income (ytd only)* | 19.2404% | 3,238 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9487% | 1,358 |
| Loan loss allowance to noncurrent loans | 6,210.2041% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 6,096 |
| Noncurrent loans to loans | 0.0314% | 5,909 |
| Net loans and leases to total assets | 59.2695% | 3,893 |
| Net loans and leases to deposits | 65.5270% | 4,383 |
| Net loans and leases to core deposits | 71.9057% | 4,159 |
| Total domestic deposits to total assets | 90.4506% | 547 |
| Equity capital to assets | 9.2308% | 5,111 |
| Core capital (leverage) ratio | 9.6190% | 4,208 |
| Tier 1 risk-based capital ratio | 17.5585% | 2,376 |
| Total risk-based capital ratio | 18.8213% | 2,327 |
| Memoranda: |
| Average total assets | $235,820,000 | 2,664 |
| Average earning assets | $222,169,750 | 2,614 |
| Average equity | $22,713,750 | 2,882 |
| Average total loans | $146,410,500 | 2,637 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4779% | 1,903 |
| Cost of funding earning assets | 0.1924% | 5,979 |
| Net interest margin | 4.2854% | 1,054 |
| Noninterest income to average assets | 0.6684% | 2,436 |
| Noninterest expense to average assets | 2.9293% | 3,070 |
| Loan and lease loss provision to assets | 0.3329% | 560 |
| Net operating income to assets | 0.9262% | 2,675 |
| Return on assets (ROA) | 0.8795% | 2,995 |
| Pretax return on assets | 1.3534% | 2,072 |
| Return on Equity (ROE) | 8.9898% | 2,606 |
| Retained earnings to average equity (ytd only) | 7.6288% | 1,467 |
| Net charge-offs to loans | -0.0014% | 5,036 |
| Credit loss provision to net charge-offs | -38,000.0000% | 5,969 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4930% | 4,943 |
| Assets per employee ($millions) | 6.7780% | 885 |
| Cash dividends to net income (ytd only)* | 15.1394% | 3,318 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9345% | 1,497 |
| Loan loss allowance to noncurrent loans | 5,926.5306% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.0201% | 6,169 |
| Noncurrent loans to loans | 0.0326% | 5,961 |
| Net loans and leases to total assets | 60.3322% | 3,666 |
| Net loans and leases to deposits | 66.8680% | 4,176 |
| Net loans and leases to core deposits | 75.1892% | 3,715 |
| Total domestic deposits to total assets | 90.2258% | 700 |
| Equity capital to assets | 9.5144% | 4,731 |
| Core capital (leverage) ratio | 10.3532% | 3,136 |
| Tier 1 risk-based capital ratio | 17.5700% | 2,392 |
| Total risk-based capital ratio | 18.8314% | 2,360 |
| Memoranda: |
| Average total assets | $228,316,670 | 2,743 |
| Average earning assets | $214,120,330 | 2,696 |
| Average equity | $22,336,330 | 2,910 |
| Average total loans | $143,162,670 | 2,684 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4788% | 1,872 |
| Cost of funding earning assets | 0.1969% | 6,028 |
| Net interest margin | 4.2819% | 1,036 |
| Noninterest income to average assets | 0.9271% | 1,312 |
| Noninterest expense to average assets | 2.9265% | 3,132 |
| Loan and lease loss provision to assets | 0.3629% | 478 |
| Net operating income to assets | 1.0795% | 1,900 |
| Return on assets (ROA) | 1.0795% | 1,967 |
| Pretax return on assets | 1.6619% | 1,044 |
| Return on Equity (ROE) | 10.8693% | 1,727 |
| Retained earnings to average equity (ytd only) | 8.0926% | 1,563 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1059% | 5,524 |
| Assets per employee ($millions) | 6.9378% | 826 |
| Cash dividends to net income (ytd only)* | 25.5462% | 2,406 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9003% | 1,753 |
| Loan loss allowance to noncurrent loans | 5,557.1429% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0221% | 6,236 |
| Noncurrent loans to loans | 0.0342% | 6,047 |
| Net loans and leases to total assets | 63.3180% | 3,012 |
| Net loans and leases to deposits | 71.0335% | 3,475 |
| Net loans and leases to core deposits | 80.2772% | 2,936 |
| Total domestic deposits to total assets | 89.1382% | 1,565 |
| Equity capital to assets | 10.0595% | 3,776 |
| Core capital (leverage) ratio | 10.3213% | 3,149 |
| Tier 1 risk-based capital ratio | 17.2954% | 2,557 |
| Total risk-based capital ratio | 18.5551% | 2,517 |
| Memoranda: |
| Average total assets | $220,470,500 | 2,826 |
| Average earning assets | $207,198,000 | 2,777 |
| Average equity | $21,896,500 | 2,954 |
| Average total loans | $139,684,000 | 2,746 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2412% | 3,186 |
| Cost of funding earning assets | 0.2332% | 6,074 |
| Net interest margin | 4.0080% | 1,925 |
| Noninterest income to average assets | 0.4273% | 4,250 |
| Noninterest expense to average assets | 2.6150% | 4,406 |
| Loan and lease loss provision to assets | 1.5163% | 85 |
| Net operating income to assets | 0.0070% | 6,202 |
| Return on assets (ROA) | 0.0120% | 6,233 |
| Pretax return on assets | 0.0204% | 6,199 |
| Return on Equity (ROE) | 0.1181% | 6,232 |
| Retained earnings to average equity (ytd only) | -1.2673% | 6,094 |
| Net charge-offs to loans | 2.6590% | 101 |
| Credit loss provision to net charge-offs | 100.7692% | 2,397 |
| Earnings coverage of net charge-offs (x) | 1.0160% | 4,739 |
| Efficiency ratio | 63.1061% | 5,040 |
| Assets per employee ($millions) | 7.0624% | 736 |
| Cash dividends to net income (ytd only)* | 1,173.0769% | 7 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8541% | 1,912 |
| Loan loss allowance to noncurrent loans | 5,148.9796% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.9464% | 3,536 |
| Noncurrent loans to loans | 0.0360% | 6,140 |
| Net loans and leases to total assets | 61.0009% | 3,539 |
| Net loans and leases to deposits | 67.7914% | 4,085 |
| Net loans and leases to core deposits | 75.8166% | 3,623 |
| Total domestic deposits to total assets | 89.9832% | 1,089 |
| Equity capital to assets | 9.8021% | 4,038 |
| Core capital (leverage) ratio | 9.8259% | 3,808 |
| Tier 1 risk-based capital ratio | 17.6363% | 2,364 |
| Total risk-based capital ratio | 18.8953% | 2,338 |
| Memoranda: |
| Average total assets | $215,986,800 | 2,847 |
| Average earning assets | $200,272,800 | 2,823 |
| Average equity | $22,015,400 | 2,926 |
| Average total loans | $122,228,000 | 2,996 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1344% | 3,622 |
| Cost of funding earning assets | 0.2409% | 6,152 |
| Net interest margin | 3.8935% | 2,300 |
| Noninterest income to average assets | 0.5333% | 3,570 |
| Noninterest expense to average assets | 2.6307% | 4,275 |
| Loan and lease loss provision to assets | 2.0286% | 39 |
| Net operating income to assets | -0.3065% | 6,525 |
| Return on assets (ROA) | -0.2998% | 6,538 |
| Pretax return on assets | -0.5116% | 6,602 |
| Return on Equity (ROE) | -2.9128% | 6,518 |
| Retained earnings to average equity (ytd only) | -4.7484% | 6,482 |
| Net charge-offs to loans | 3.6519% | 52 |
| Credit loss provision to net charge-offs | 100.6763% | 2,323 |
| Earnings coverage of net charge-offs (x) | 0.7476% | 4,600 |
| Efficiency ratio | 63.5874% | 4,871 |
| Assets per employee ($millions) | 7.1806% | 677 |
| Cash dividends to net income (ytd only)* | -63.0168% | 6,871 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9277% | 1,914 |
| Loan loss allowance to noncurrent loans | 5,142.8571% | 128 |
| Noncurrent assets plus other real estate owned to assets | 1.0207% | 3,609 |
| Noncurrent loans to loans | 0.0375% | 6,231 |
| Net loans and leases to total assets | 57.5943% | 4,078 |
| Net loans and leases to deposits | 63.7991% | 4,540 |
| Net loans and leases to core deposits | 71.2104% | 4,191 |
| Total domestic deposits to total assets | 90.2745% | 854 |
| Equity capital to assets | 9.4663% | 4,594 |
| Core capital (leverage) ratio | 9.8033% | 3,953 |
| Tier 1 risk-based capital ratio | 17.2949% | 2,587 |
| Total risk-based capital ratio | 18.5452% | 2,556 |
| Memoranda: |
| Average total assets | $215,250,250 | 2,883 |
| Average earning assets | $199,234,750 | 2,862 |
| Average equity | $22,154,250 | 2,947 |
| Average total loans | $118,766,500 | 3,084 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0332% | 3,995 |
| Cost of funding earning assets | 0.2470% | 6,196 |
| Net interest margin | 3.7861% | 2,607 |
| Noninterest income to average assets | 0.6269% | 3,037 |
| Noninterest expense to average assets | 2.6729% | 4,131 |
| Loan and lease loss provision to assets | 3.0780% | 19 |
| Net operating income to assets | -0.9416% | 6,743 |
| Return on assets (ROA) | -0.9314% | 6,746 |
| Pretax return on assets | -1.5789% | 6,811 |
| Return on Equity (ROE) | -8.8030% | 6,720 |
| Retained earnings to average equity (ytd only) | -10.1532% | 6,669 |
| Net charge-offs to loans | 5.7013% | 25 |
| Credit loss provision to net charge-offs | 100.0917% | 2,194 |
| Earnings coverage of net charge-offs (x) | 0.4823% | 4,376 |
| Efficiency ratio | 64.3148% | 4,824 |
| Assets per employee ($millions) | 7.0833% | 696 |
| Cash dividends to net income (ytd only)* | -15.3380% | 6,915 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1287% | 1,563 |
| Loan loss allowance to noncurrent loans | 5,104.0816% | 133 |
| Noncurrent assets plus other real estate owned to assets | 1.0692% | 3,603 |
| Noncurrent loans to loans | 0.0417% | 6,272 |
| Net loans and leases to total assets | 54.1113% | 4,575 |
| Net loans and leases to deposits | 60.2349% | 4,952 |
| Net loans and leases to core deposits | 67.6998% | 4,531 |
| Total domestic deposits to total assets | 89.8338% | 1,133 |
| Equity capital to assets | 9.9045% | 4,046 |
| Core capital (leverage) ratio | 9.9570% | 3,577 |
| Tier 1 risk-based capital ratio | 17.6259% | 2,466 |
| Total risk-based capital ratio | 18.8865% | 2,426 |
| Memoranda: |
| Average total assets | $212,800,330 | 2,930 |
| Average earning assets | $198,355,670 | 2,889 |
| Average equity | $22,515,000 | 2,928 |
| Average total loans | $114,780,330 | 3,171 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9141% | 4,424 |
| Cost of funding earning assets | 0.2518% | 6,277 |
| Net interest margin | 3.6623% | 3,021 |
| Noninterest income to average assets | 0.5954% | 3,169 |
| Noninterest expense to average assets | 2.8044% | 3,682 |
| Loan and lease loss provision to assets | 0.7044% | 341 |
| Net operating income to assets | 0.2933% | 5,595 |
| Return on assets (ROA) | 0.3137% | 5,649 |
| Pretax return on assets | 0.5335% | 5,165 |
| Return on Equity (ROE) | 2.8732% | 5,635 |
| Retained earnings to average equity (ytd only) | 0.2581% | 5,703 |
| Net charge-offs to loans | -0.0106% | 5,463 |
| Credit loss provision to net charge-offs | -12,500.0000% | 5,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9297% | 3,991 |
| Assets per employee ($millions) | 6.9555% | 781 |
| Cash dividends to net income (ytd only)* | 91.0180% | 736 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4395% | 1,194 |
| Loan loss allowance to noncurrent loans | 149.9479% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 1.9205% | 2,448 |
| Noncurrent loans to loans | 1.6269% | 3,098 |
| Net loans and leases to total assets | 53.3420% | 4,509 |
| Net loans and leases to deposits | 59.9560% | 4,799 |
| Net loans and leases to core deposits | 68.0061% | 4,303 |
| Total domestic deposits to total assets | 88.9686% | 1,700 |
| Equity capital to assets | 10.7736% | 3,229 |
| Core capital (leverage) ratio | 10.8009% | 2,457 |
| Tier 1 risk-based capital ratio | 18.8154% | 2,090 |
| Total risk-based capital ratio | 20.0799% | 2,067 |
| Memoranda: |
| Average total assets | $212,951,000 | 2,953 |
| Average earning assets | $198,563,000 | 2,916 |
| Average equity | $23,249,000 | 2,891 |
| Average total loans | $113,427,000 | 3,221 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4837% | 3,468 |
| Cost of funding earning assets | 0.3304% | 6,311 |
| Net interest margin | 4.1533% | 1,807 |
| Noninterest income to average assets | 0.6462% | 3,014 |
| Noninterest expense to average assets | 3.0715% | 3,008 |
| Loan and lease loss provision to assets | 0.4220% | 1,508 |
| Net operating income to assets | 0.5963% | 4,256 |
| Return on assets (ROA) | 0.6311% | 4,352 |
| Pretax return on assets | 1.0687% | 3,278 |
| Return on Equity (ROE) | 5.6269% | 4,354 |
| Retained earnings to average equity (ytd only) | 5.1320% | 2,616 |
| Net charge-offs to loans | 1.0340% | 1,041 |
| Credit loss provision to net charge-offs | 72.6345% | 4,083 |
| Earnings coverage of net charge-offs (x) | 2.4722% | 4,176 |
| Efficiency ratio | 68.1373% | 4,119 |
| Assets per employee ($millions) | 6.7833% | 862 |
| Cash dividends to net income (ytd only)* | 8.7959% | 4,102 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2925% | 1,386 |
| Loan loss allowance to noncurrent loans | 149.8500% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 1.8499% | 2,639 |
| Noncurrent loans to loans | 1.5299% | 3,314 |
| Net loans and leases to total assets | 50.6292% | 5,089 |
| Net loans and leases to deposits | 57.1104% | 5,326 |
| Net loans and leases to core deposits | 65.2005% | 4,817 |
| Total domestic deposits to total assets | 88.6514% | 1,808 |
| Equity capital to assets | 11.0651% | 2,875 |
| Core capital (leverage) ratio | 10.8441% | 2,398 |
| Tier 1 risk-based capital ratio | 20.9471% | 1,474 |
| Total risk-based capital ratio | 22.2104% | 1,442 |
| Memoranda: |
| Average total assets | $185,545,800 | 3,232 |
| Average earning assets | $172,514,800 | 3,195 |
| Average equity | $20,810,800 | 3,105 |
| Average total loans | $104,256,800 | 3,418 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5901% | 3,250 |
| Cost of funding earning assets | 0.3435% | 6,412 |
| Net interest margin | 4.2465% | 1,605 |
| Noninterest income to average assets | 0.5538% | 3,583 |
| Noninterest expense to average assets | 3.0656% | 2,994 |
| Loan and lease loss provision to assets | 0.3464% | 1,893 |
| Net operating income to assets | 0.6486% | 4,150 |
| Return on assets (ROA) | 0.6757% | 4,290 |
| Pretax return on assets | 1.1448% | 3,181 |
| Return on Equity (ROE) | 6.0009% | 4,329 |
| Retained earnings to average equity (ytd only) | 5.4728% | 3,055 |
| Net charge-offs to loans | 0.5730% | 1,904 |
| Credit loss provision to net charge-offs | 105.1919% | 2,793 |
| Earnings coverage of net charge-offs (x) | 4.3996% | 3,310 |
| Efficiency ratio | 67.9071% | 4,084 |
| Assets per employee ($millions) | 6.9658% | 756 |
| Cash dividends to net income (ytd only)* | 8.8005% | 3,473 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6461% | 1,040 |
| Loan loss allowance to noncurrent loans | 87.4263% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 1.6514% | 3,105 |
| Noncurrent loans to loans | 3.0267% | 1,838 |
| Net loans and leases to total assets | 53.1185% | 4,892 |
| Net loans and leases to deposits | 61.2922% | 5,047 |
| Net loans and leases to core deposits | 70.9495% | 4,382 |
| Total domestic deposits to total assets | 86.6645% | 2,873 |
| Equity capital to assets | 12.8715% | 1,663 |
| Core capital (leverage) ratio | 13.4738% | 1,020 |
| Tier 1 risk-based capital ratio | 23.8702% | 1,038 |
| Total risk-based capital ratio | 25.1394% | 1,017 |
| Memoranda: |
| Average total assets | $179,361,750 | 3,362 |
| Average earning assets | $167,284,750 | 3,300 |
| Average equity | $20,196,500 | 3,210 |
| Average total loans | $103,080,500 | 3,484 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8006% | 2,508 |
| Cost of funding earning assets | 0.3638% | 6,453 |
| Net interest margin | 4.4368% | 1,113 |
| Noninterest income to average assets | 0.5662% | 3,481 |
| Noninterest expense to average assets | 3.1757% | 2,665 |
| Loan and lease loss provision to assets | 0.3560% | 1,854 |
| Net operating income to assets | 0.6811% | 3,977 |
| Return on assets (ROA) | 0.6811% | 4,237 |
| Pretax return on assets | 1.1531% | 3,109 |
| Return on Equity (ROE) | 6.3900% | 4,109 |
| Retained earnings to average equity (ytd only) | 5.8081% | 2,823 |
| Net charge-offs to loans | 0.8709% | 1,266 |
| Credit loss provision to net charge-offs | 69.8198% | 3,567 |
| Earnings coverage of net charge-offs (x) | 2.9595% | 3,563 |
| Efficiency ratio | 67.7862% | 4,166 |
| Assets per employee ($millions) | 6.1847% | 1,120 |
| Cash dividends to net income (ytd only)* | 9.1062% | 3,320 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6043% | 1,145 |
| Loan loss allowance to noncurrent loans | 551.6598% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.2783% | 6,081 |
| Noncurrent loans to loans | 0.4721% | 5,590 |
| Net loans and leases to total assets | 57.4227% | 4,257 |
| Net loans and leases to deposits | 64.9536% | 4,649 |
| Net loans and leases to core deposits | 75.6313% | 3,801 |
| Total domestic deposits to total assets | 88.4057% | 1,880 |
| Equity capital to assets | 10.9296% | 3,196 |
| Core capital (leverage) ratio | 10.6311% | 2,687 |
| Tier 1 risk-based capital ratio | 18.8376% | 2,012 |
| Total risk-based capital ratio | 20.1039% | 1,986 |
| Memoranda: |
| Average total assets | $174,134,670 | 3,445 |
| Average earning assets | $161,647,000 | 3,390 |
| Average equity | $18,560,330 | 3,418 |
| Average total loans | $101,967,330 | 3,513 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7991% | 2,645 |
| Cost of funding earning assets | 0.3886% | 6,464 |
| Net interest margin | 4.4105% | 1,206 |
| Noninterest income to average assets | 0.5063% | 3,871 |
| Noninterest expense to average assets | 3.1406% | 2,786 |
| Loan and lease loss provision to assets | 0.3551% | 1,772 |
| Net operating income to assets | 0.6437% | 4,148 |
| Return on assets (ROA) | 0.6437% | 4,355 |
| Pretax return on assets | 1.0927% | 3,351 |
| Return on Equity (ROE) | 6.1163% | 4,232 |
| Retained earnings to average equity (ytd only) | 5.5286% | 3,239 |
| Net charge-offs to loans | 1.7507% | 546 |
| Credit loss provision to net charge-offs | 34.7534% | 3,542 |
| Earnings coverage of net charge-offs (x) | 1.4170% | 3,613 |
| Efficiency ratio | 68.4473% | 4,080 |
| Assets per employee ($millions) | 6.1252% | 1,207 |
| Cash dividends to net income (ytd only)* | 9.6085% | 2,568 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4136% | 1,479 |
| Loan loss allowance to noncurrent loans | 514.8148% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.2834% | 6,183 |
| Noncurrent loans to loans | 0.4688% | 5,739 |
| Net loans and leases to total assets | 58.9828% | 3,859 |
| Net loans and leases to deposits | 66.5384% | 4,299 |
| Net loans and leases to core deposits | 78.3601% | 3,279 |
| Total domestic deposits to total assets | 88.6447% | 1,924 |
| Equity capital to assets | 10.8060% | 3,137 |
| Core capital (leverage) ratio | 10.5843% | 2,660 |
| Tier 1 risk-based capital ratio | 18.0647% | 2,264 |
| Total risk-based capital ratio | 19.3189% | 2,235 |
| Memoranda: |
| Average total assets | $174,616,000 | 3,462 |
| Average earning assets | $161,613,000 | 3,414 |
| Average equity | $18,377,000 | 3,442 |
| Average total loans | $101,901,500 | 3,547 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9811% | 2,962 |
| Cost of funding earning assets | 0.4843% | 6,599 |
| Net interest margin | 4.4968% | 1,141 |
| Noninterest income to average assets | 0.5009% | 3,832 |
| Noninterest expense to average assets | 3.4215% | 2,189 |
| Loan and lease loss provision to assets | 0.3178% | 3,139 |
| Net operating income to assets | 1.2178% | 1,469 |
| Return on assets (ROA) | 1.2178% | 1,572 |
| Pretax return on assets | 0.9992% | 3,250 |
| Return on Equity (ROE) | 11.0547% | 1,679 |
| Retained earnings to average equity (ytd only) | 10.4316% | 483 |
| Net charge-offs to loans | 0.0909% | 5,431 |
| Credit loss provision to net charge-offs | 581.3953% | 392 |
| Earnings coverage of net charge-offs (x) | 24.0930% | 1,000 |
| Efficiency ratio | 72.2066% | 3,532 |
| Assets per employee ($millions) | 6.3474% | 1,031 |
| Cash dividends to net income (ytd only)* | 5.6367% | 3,968 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7890% | 990 |
| Loan loss allowance to noncurrent loans | 315.5932% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.4980% | 5,728 |
| Noncurrent loans to loans | 0.8837% | 4,923 |
| Net loans and leases to total assets | 54.7748% | 4,914 |
| Net loans and leases to deposits | 61.4154% | 5,322 |
| Net loans and leases to core deposits | 73.7520% | 4,278 |
| Total domestic deposits to total assets | 89.1873% | 1,431 |
| Equity capital to assets | 10.2523% | 3,845 |
| Core capital (leverage) ratio | 10.1747% | 3,128 |
| Tier 1 risk-based capital ratio | 18.2705% | 2,115 |
| Total risk-based capital ratio | 19.5419% | 2,074 |
| Memoranda: |
| Average total assets | $157,330,400 | 3,672 |
| Average earning assets | $148,259,400 | 3,596 |
| Average equity | $17,332,000 | 3,527 |
| Average total loans | $94,586,200 | 3,754 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0535% | 2,828 |
| Cost of funding earning assets | 0.5080% | 6,666 |
| Net interest margin | 4.5454% | 1,052 |
| Noninterest income to average assets | 0.4581% | 4,233 |
| Noninterest expense to average assets | 3.4412% | 2,099 |
| Loan and lease loss provision to assets | 0.3065% | 3,080 |
| Net operating income to assets | 1.2805% | 1,432 |
| Return on assets (ROA) | 1.2805% | 1,533 |
| Pretax return on assets | 1.0282% | 3,295 |
| Return on Equity (ROE) | 11.3928% | 1,727 |
| Retained earnings to average equity (ytd only) | 10.7694% | 668 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0521% | 3,543 |
| Assets per employee ($millions) | 5.8503% | 1,309 |
| Cash dividends to net income (ytd only)* | 5.4718% | 3,399 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7869% | 1,046 |
| Loan loss allowance to noncurrent loans | 1,499.4505% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.1111% | 6,776 |
| Noncurrent loans to loans | 0.1859% | 6,497 |
| Net loans and leases to total assets | 58.1141% | 4,494 |
| Net loans and leases to deposits | 65.6409% | 4,954 |
| Net loans and leases to core deposits | 81.0881% | 3,471 |
| Total domestic deposits to total assets | 88.5335% | 1,736 |
| Equity capital to assets | 10.9061% | 3,233 |
| Core capital (leverage) ratio | 10.6620% | 2,699 |
| Tier 1 risk-based capital ratio | 18.1107% | 2,214 |
| Total risk-based capital ratio | 19.3821% | 2,172 |
| Memoranda: |
| Average total assets | $152,231,500 | 3,787 |
| Average earning assets | $144,610,250 | 3,687 |
| Average equity | $17,109,750 | 3,566 |
| Average total loans | $93,197,250 | 3,816 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0510% | 2,921 |
| Cost of funding earning assets | 0.5279% | 6,753 |
| Net interest margin | 4.5230% | 1,077 |
| Noninterest income to average assets | 0.3343% | 5,217 |
| Noninterest expense to average assets | 3.4710% | 2,064 |
| Loan and lease loss provision to assets | 0.4044% | 2,407 |
| Net operating income to assets | 1.0366% | 2,078 |
| Return on assets (ROA) | 1.0366% | 2,175 |
| Pretax return on assets | 0.7549% | 4,196 |
| Return on Equity (ROE) | 9.1233% | 2,455 |
| Retained earnings to average equity (ytd only) | 8.4826% | 1,269 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9636% | 3,186 |
| Assets per employee ($millions) | 5.5240% | 1,551 |
| Cash dividends to net income (ytd only)* | 7.0221% | 3,193 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9190% | 964 |
| Loan loss allowance to noncurrent loans | 1,432.6203% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.1254% | 6,781 |
| Noncurrent loans to loans | 0.2038% | 6,502 |
| Net loans and leases to total assets | 59.7393% | 4,321 |
| Net loans and leases to deposits | 67.8738% | 4,726 |
| Net loans and leases to core deposits | 86.4210% | 2,841 |
| Total domestic deposits to total assets | 88.0153% | 2,124 |
| Equity capital to assets | 11.5892% | 2,422 |
| Core capital (leverage) ratio | 10.9165% | 2,324 |
| Tier 1 risk-based capital ratio | 18.5560% | 1,988 |
| Total risk-based capital ratio | 19.8284% | 1,941 |
| Memoranda: |
| Average total assets | $148,373,000 | 3,877 |
| Average earning assets | $140,923,000 | 3,776 |
| Average equity | $16,858,000 | 3,601 |
| Average total loans | $91,621,670 | 3,899 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0594% | 2,818 |
| Cost of funding earning assets | 0.5451% | 6,818 |
| Net interest margin | 4.5142% | 1,040 |
| Noninterest income to average assets | 0.2433% | 5,956 |
| Noninterest expense to average assets | 3.4355% | 2,178 |
| Loan and lease loss provision to assets | 0.2703% | 2,989 |
| Net operating income to assets | 1.1623% | 1,617 |
| Return on assets (ROA) | 1.1623% | 1,673 |
| Pretax return on assets | 0.8352% | 3,765 |
| Return on Equity (ROE) | 10.3337% | 1,982 |
| Retained earnings to average equity (ytd only) | 9.6849% | 1,185 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6548% | 3,213 |
| Assets per employee ($millions) | 6.1162% | 1,128 |
| Cash dividends to net income (ytd only)* | 6.2791% | 2,436 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6622% | 1,244 |
| Loan loss allowance to noncurrent loans | 1,291.1458% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.1256% | 6,852 |
| Noncurrent loans to loans | 0.2062% | 6,562 |
| Net loans and leases to total assets | 59.2782% | 4,406 |
| Net loans and leases to deposits | 66.8930% | 4,847 |
| Net loans and leases to core deposits | 84.4278% | 3,111 |
| Total domestic deposits to total assets | 88.6165% | 2,009 |
| Equity capital to assets | 11.0303% | 2,658 |
| Core capital (leverage) ratio | 11.2602% | 1,994 |
| Tier 1 risk-based capital ratio | 18.0163% | 2,106 |
| Total risk-based capital ratio | 19.2854% | 2,072 |
| Memoranda: |
| Average total assets | $147,985,500 | 3,911 |
| Average earning assets | $140,887,500 | 3,804 |
| Average equity | $16,644,500 | 3,617 |
| Average total loans | $91,543,000 | 3,943 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3234% | 3,016 |
| Cost of funding earning assets | 0.7196% | 6,827 |
| Net interest margin | 4.6038% | 1,002 |
| Noninterest income to average assets | 0.5861% | 3,560 |
| Noninterest expense to average assets | 3.3128% | 2,698 |
| Loan and lease loss provision to assets | 0.9566% | 1,702 |
| Net operating income to assets | 1.1334% | 1,599 |
| Return on assets (ROA) | 1.1334% | 1,677 |
| Pretax return on assets | 0.7195% | 3,904 |
| Return on Equity (ROE) | 9.7548% | 2,016 |
| Retained earnings to average equity (ytd only) | 9.0682% | 683 |
| Net charge-offs to loans | 0.4095% | 3,995 |
| Credit loss provision to net charge-offs | 366.5714% | 694 |
| Earnings coverage of net charge-offs (x) | 6.4229% | 2,362 |
| Efficiency ratio | 66.4026% | 4,894 |
| Assets per employee ($millions) | 5.7226% | 1,411 |
| Cash dividends to net income (ytd only)* | 7.0395% | 3,827 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6443% | 1,235 |
| Loan loss allowance to noncurrent loans | 1,220.0000% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.1363% | 6,897 |
| Noncurrent loans to loans | 0.2167% | 6,634 |
| Net loans and leases to total assets | 61.2225% | 4,451 |
| Net loans and leases to deposits | 69.4553% | 4,886 |
| Net loans and leases to core deposits | 86.7732% | 3,218 |
| Total domestic deposits to total assets | 88.1466% | 2,153 |
| Equity capital to assets | 11.4794% | 2,275 |
| Core capital (leverage) ratio | 11.0630% | 2,115 |
| Tier 1 risk-based capital ratio | 18.2808% | 1,913 |
| Total risk-based capital ratio | 19.5544% | 1,864 |
| Memoranda: |
| Average total assets | $134,114,200 | 4,174 |
| Average earning assets | $128,264,400 | 4,059 |
| Average equity | $15,582,000 | 3,844 |
| Average total loans | $85,462,600 | 4,169 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3186% | 3,261 |
| Cost of funding earning assets | 0.7487% | 6,916 |
| Net interest margin | 4.5698% | 1,110 |
| Noninterest income to average assets | 0.4206% | 4,795 |
| Noninterest expense to average assets | 3.2838% | 2,619 |
| Loan and lease loss provision to assets | 0.8270% | 1,831 |
| Net operating income to assets | 1.0029% | 2,227 |
| Return on assets (ROA) | 1.0029% | 2,345 |
| Pretax return on assets | 0.6723% | 4,337 |
| Return on Equity (ROE) | 8.6043% | 2,646 |
| Retained earnings to average equity (ytd only) | 7.9104% | 1,450 |
| Net charge-offs to loans | 0.5944% | 2,959 |
| Credit loss provision to net charge-offs | 217.5532% | 1,594 |
| Earnings coverage of net charge-offs (x) | 3.9441% | 3,242 |
| Efficiency ratio | 68.6536% | 4,346 |
| Assets per employee ($millions) | 6.2485% | 1,097 |
| Cash dividends to net income (ytd only)* | 8.0642% | 3,377 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0302% | 2,151 |
| Loan loss allowance to noncurrent loans | 623.1023% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.2204% | 6,812 |
| Noncurrent loans to loans | 0.3258% | 6,542 |
| Net loans and leases to total assets | 66.2765% | 3,625 |
| Net loans and leases to deposits | 75.3958% | 4,282 |
| Net loans and leases to core deposits | 94.0461% | 2,520 |
| Total domestic deposits to total assets | 87.9048% | 2,014 |
| Equity capital to assets | 11.6740% | 2,376 |
| Core capital (leverage) ratio | 11.2124% | 2,119 |
| Tier 1 risk-based capital ratio | 17.4507% | 2,191 |
| Total risk-based capital ratio | 18.7121% | 2,150 |
| Memoranda: |
| Average total assets | $131,876,500 | 4,279 |
| Average earning assets | $125,895,750 | 4,163 |
| Average equity | $15,371,750 | 3,923 |
| Average total loans | $84,336,500 | 4,274 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3087% | 3,430 |
| Cost of funding earning assets | 0.7701% | 7,004 |
| Net interest margin | 4.5386% | 1,126 |
| Noninterest income to average assets | 0.5307% | 3,871 |
| Noninterest expense to average assets | 3.2766% | 2,639 |
| Loan and lease loss provision to assets | 0.9768% | 1,483 |
| Net operating income to assets | 0.9199% | 2,473 |
| Return on assets (ROA) | 0.9199% | 2,576 |
| Pretax return on assets | 0.6107% | 4,535 |
| Return on Equity (ROE) | 7.8963% | 2,921 |
| Retained earnings to average equity (ytd only) | 7.1833% | 1,761 |
| Net charge-offs to loans | 0.8987% | 2,032 |
| Credit loss provision to net charge-offs | 173.4973% | 2,250 |
| Earnings coverage of net charge-offs (x) | 2.8197% | 3,579 |
| Efficiency ratio | 67.3624% | 4,698 |
| Assets per employee ($millions) | 6.4673% | 965 |
| Cash dividends to net income (ytd only)* | 9.0301% | 3,178 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0284% | 2,117 |
| Loan loss allowance to noncurrent loans | 487.2159% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.2592% | 6,751 |
| Noncurrent loans to loans | 0.4163% | 6,409 |
| Net loans and leases to total assets | 60.9905% | 4,877 |
| Net loans and leases to deposits | 69.1687% | 5,395 |
| Net loans and leases to core deposits | 90.2723% | 3,213 |
| Total domestic deposits to total assets | 88.1764% | 1,902 |
| Equity capital to assets | 11.4496% | 2,483 |
| Core capital (leverage) ratio | 11.0443% | 2,205 |
| Tier 1 risk-based capital ratio | 18.2701% | 1,878 |
| Total risk-based capital ratio | 19.5311% | 1,849 |
| Memoranda: |
| Average total assets | $130,012,670 | 4,350 |
| Average earning assets | $124,135,330 | 4,226 |
| Average equity | $15,146,330 | 3,962 |
| Average total loans | $81,449,670 | 4,400 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2274% | 3,887 |
| Cost of funding earning assets | 0.7910% | 7,114 |
| Net interest margin | 4.4364% | 1,280 |
| Noninterest income to average assets | 0.1636% | 6,803 |
| Noninterest expense to average assets | 3.3828% | 2,282 |
| Loan and lease loss provision to assets | 0.6136% | 2,072 |
| Net operating income to assets | 0.7804% | 3,059 |
| Return on assets (ROA) | 0.7804% | 3,166 |
| Pretax return on assets | 0.4028% | 5,285 |
| Return on Equity (ROE) | 6.6379% | 3,547 |
| Retained earnings to average equity (ytd only) | 5.9152% | 2,658 |
| Net charge-offs to loans | 1.1314% | 1,488 |
| Credit loss provision to net charge-offs | 86.2832% | 3,742 |
| Earnings coverage of net charge-offs (x) | 1.4292% | 3,890 |
| Efficiency ratio | 76.8956% | 3,074 |
| Assets per employee ($millions) | 5.7329% | 1,466 |
| Cash dividends to net income (ytd only)* | 10.8871% | 2,398 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7146% | 3,008 |
| Loan loss allowance to noncurrent loans | 375.3316% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.4156% | 6,429 |
| Noncurrent loans to loans | 0.4568% | 6,383 |
| Net loans and leases to total assets | 61.5164% | 4,853 |
| Net loans and leases to deposits | 69.7356% | 5,381 |
| Net loans and leases to core deposits | 93.0291% | 2,972 |
| Total domestic deposits to total assets | 88.2137% | 1,939 |
| Equity capital to assets | 11.4481% | 2,406 |
| Core capital (leverage) ratio | 11.3633% | 1,993 |
| Tier 1 risk-based capital ratio | 17.7600% | 2,002 |
| Total risk-based capital ratio | 19.0176% | 1,974 |
| Memoranda: |
| Average total assets | $127,112,500 | 4,476 |
| Average earning assets | $121,361,000 | 4,345 |
| Average equity | $14,944,500 | 4,030 |
| Average total loans | $79,900,500 | 4,508 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5732% | 3,741 |
| Cost of funding earning assets | 1.0567% | 7,085 |
| Net interest margin | 4.5165% | 1,146 |
| Noninterest income to average assets | 0.1641% | 6,900 |
| Noninterest expense to average assets | 3.5736% | 2,212 |
| Loan and lease loss provision to assets | 0.6166% | 3,332 |
| Net operating income to assets | 0.5462% | 3,545 |
| Return on assets (ROA) | 0.5462% | 3,633 |
| Pretax return on assets | 0.2683% | 4,850 |
| Return on Equity (ROE) | 4.5304% | 3,871 |
| Retained earnings to average equity (ytd only) | 3.9326% | 2,456 |
| Net charge-offs to loans | 0.9354% | 2,524 |
| Credit loss provision to net charge-offs | 102.8986% | 5,365 |
| Earnings coverage of net charge-offs (x) | 1.4768% | 4,650 |
| Efficiency ratio | 80.1519% | 2,863 |
| Assets per employee ($millions) | 5.5622% | 1,596 |
| Cash dividends to net income (ytd only)* | 13.1955% | 3,816 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8713% | 2,341 |
| Loan loss allowance to noncurrent loans | 383.5544% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.4478% | 6,334 |
| Noncurrent loans to loans | 0.4879% | 6,279 |
| Net loans and leases to total assets | 61.9659% | 4,994 |
| Net loans and leases to deposits | 70.8075% | 5,495 |
| Net loans and leases to core deposits | 100.0911% | 3,988 |
| Total domestic deposits to total assets | 87.5132% | 2,212 |
| Equity capital to assets | 12.0897% | 1,984 |
| Core capital (leverage) ratio | 11.4479% | 1,944 |
| Tier 1 risk-based capital ratio | 18.2050% | 1,842 |
| Total risk-based capital ratio | 19.4632% | 1,790 |
| Memoranda: |
| Average total assets | $115,151,400 | 4,696 |
| Average earning assets | $109,488,400 | 4,579 |
| Average equity | $13,884,000 | 4,286 |
| Average total loans | $73,761,400 | 4,739 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6471% | 3,590 |
| Cost of funding earning assets | 1.1289% | 7,100 |
| Net interest margin | 4.5182% | 1,147 |
| Noninterest income to average assets | 0.1529% | 7,091 |
| Noninterest expense to average assets | 3.7030% | 1,812 |
| Loan and lease loss provision to assets | 0.5364% | 3,242 |
| Net operating income to assets | 0.2070% | 5,128 |
| Return on assets (ROA) | 0.2070% | 5,214 |
| Pretax return on assets | 0.2070% | 5,283 |
| Return on Equity (ROE) | 1.7183% | 5,257 |
| Retained earnings to average equity (ytd only) | 1.4547% | 4,500 |
| Net charge-offs to loans | 0.9714% | 2,032 |
| Credit loss provision to net charge-offs | 85.8757% | 5,595 |
| Earnings coverage of net charge-offs (x) | 1.1902% | 4,872 |
| Efficiency ratio | 83.2804% | 2,392 |
| Assets per employee ($millions) | 5.5669% | 1,549 |
| Cash dividends to net income (ytd only)* | 15.3413% | 3,379 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7779% | 2,354 |
| Loan loss allowance to noncurrent loans | 409.3939% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.2694% | 6,828 |
| Noncurrent loans to loans | 0.4343% | 6,467 |
| Net loans and leases to total assets | 60.9421% | 5,436 |
| Net loans and leases to deposits | 69.6982% | 5,954 |
| Net loans and leases to core deposits | 90.5261% | 5,387 |
| Total domestic deposits to total assets | 87.4371% | 1,928 |
| Equity capital to assets | 11.9644% | 2,262 |
| Core capital (leverage) ratio | 11.4022% | 2,121 |
| Tier 1 risk-based capital ratio | 18.3958% | 1,890 |
| Total risk-based capital ratio | 19.6538% | 1,837 |
| Memoranda: |
| Average total assets | $113,347,000 | 4,770 |
| Average earning assets | $107,710,750 | 4,659 |
| Average equity | $13,656,500 | 4,373 |
| Average total loans | $72,883,500 | 4,814 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7390% | 3,349 |
| Cost of funding earning assets | 1.2299% | 7,019 |
| Net interest margin | 4.5091% | 1,150 |
| Noninterest income to average assets | 0.1487% | 7,202 |
| Noninterest expense to average assets | 3.9001% | 1,483 |
| Loan and lease loss provision to assets | 0.6455% | 2,496 |
| Net operating income to assets | -0.1160% | 6,038 |
| Return on assets (ROA) | -0.1160% | 6,072 |
| Pretax return on assets | -0.1160% | 6,011 |
| Return on Equity (ROE) | -0.9606% | 6,066 |
| Retained earnings to average equity (ytd only) | -0.9606% | 5,470 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0475% | 2,013 |
| Assets per employee ($millions) | 5.8190% | 1,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4046% | 982 |
| Loan loss allowance to noncurrent loans | 131.6100% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 1.1634% | 4,611 |
| Noncurrent loans to loans | 1.8270% | 3,771 |
| Net loans and leases to total assets | 62.1473% | 5,336 |
| Net loans and leases to deposits | 71.2462% | 5,842 |
| Net loans and leases to core deposits | 94.6850% | 5,042 |
| Total domestic deposits to total assets | 87.2289% | 2,139 |
| Equity capital to assets | 12.1576% | 2,119 |
| Core capital (leverage) ratio | 12.1316% | 1,781 |
| Tier 1 risk-based capital ratio | 17.5639% | 2,124 |
| Total risk-based capital ratio | 18.8277% | 2,079 |
| Memoranda: |
| Average total assets | $110,305,330 | 4,873 |
| Average earning assets | $104,722,330 | 4,763 |
| Average equity | $13,324,330 | 4,464 |
| Average total loans | $71,848,670 | 4,891 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7248% | 3,672 |
| Cost of funding earning assets | 1.4263% | 6,644 |
| Net interest margin | 4.2986% | 1,603 |
| Noninterest income to average assets | 0.1380% | 7,314 |
| Noninterest expense to average assets | 4.1466% | 1,002 |
| Loan and lease loss provision to assets | 1.3275% | 969 |
| Net operating income to assets | -1.2679% | 7,401 |
| Return on assets (ROA) | -1.2679% | 7,416 |
| Pretax return on assets | -1.2679% | 7,283 |
| Return on Equity (ROE) | -10.5328% | 7,396 |
| Retained earnings to average equity (ytd only) | -10.5328% | 7,160 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5816% | 1,189 |
| Assets per employee ($millions) | 5.2887% | 1,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3335% | 911 |
| Loan loss allowance to noncurrent loans | 111.5144% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 1.4388% | 3,774 |
| Noncurrent loans to loans | 2.0926% | 3,127 |
| Net loans and leases to total assets | 67.1538% | 4,312 |
| Net loans and leases to deposits | 77.2441% | 5,051 |
| Net loans and leases to core deposits | 97.4241% | 4,805 |
| Total domestic deposits to total assets | 86.9371% | 2,249 |
| Equity capital to assets | 12.5352% | 1,954 |
| Core capital (leverage) ratio | 12.2701% | 1,773 |
| Tier 1 risk-based capital ratio | 16.6683% | 2,459 |
| Total risk-based capital ratio | 17.9323% | 2,379 |
| Memoranda: |
| Average total assets | $107,268,000 | 4,975 |
| Average earning assets | $101,522,500 | 4,874 |
| Average equity | $12,912,000 | 4,601 |
| Average total loans | $70,718,500 | 4,959 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8045% | 6,410 |
| Cost of funding earning assets | 1.8160% | 6,963 |
| Net interest margin | 3.9885% | 3,172 |
| Noninterest income to average assets | 0.1472% | 7,364 |
| Noninterest expense to average assets | 5.4115% | 520 |
| Loan and lease loss provision to assets | 1.3026% | 1,091 |
| Net operating income to assets | -2.8333% | 7,781 |
| Return on assets (ROA) | -2.7744% | 7,746 |
| Pretax return on assets | -2.7744% | 7,654 |
| Return on Equity (ROE) | -17.7184% | 7,701 |
| Retained earnings to average equity (ytd only) | -17.7184% | 7,609 |
| Net charge-offs to loans | 0.7543% | 1,644 |
| Credit loss provision to net charge-offs | 283.2000% | 1,610 |
| Earnings coverage of net charge-offs (x) | -3.3280% | 6,782 |
| Efficiency ratio | 139.4437% | 405 |
| Assets per employee ($millions) | 4.9273% | 2,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1914% | 956 |
| Loan loss allowance to noncurrent loans | 89.2365% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 1.5444% | 3,132 |
| Noncurrent loans to loans | 2.4557% | 2,228 |
| Net loans and leases to total assets | 61.5098% | 5,696 |
| Net loans and leases to deposits | 69.9683% | 6,277 |
| Net loans and leases to core deposits | 82.0868% | 6,458 |
| Total domestic deposits to total assets | 87.9109% | 1,506 |
| Equity capital to assets | 11.5025% | 2,635 |
| Core capital (leverage) ratio | 11.5468% | 2,222 |
| Tier 1 risk-based capital ratio | 16.3526% | 2,534 |
| Total risk-based capital ratio | 17.6197% | 2,470 |
| Memoranda: |
| Average total assets | $81,530,600 | 5,644 |
| Average earning assets | $76,319,800 | 5,575 |
| Average equity | $12,766,400 | 4,633 |
| Average total loans | $49,713,200 | 5,718 |
