| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.3961% | 172 |
| Cost of funding earning assets | 1.7373% | 1,376 |
| Net interest margin | 5.6588% | 156 |
| Noninterest income to average assets | 1.0600% | 582 |
| Noninterest expense to average assets | 4.0419% | 355 |
| Loan and lease loss provision to assets | 0.1500% | 868 |
| Net operating income to assets | 1.7272% | 694 |
| Return on assets (ROA) | 1.7272% | 668 |
| Pretax return on assets | 2.1786% | 506 |
| Return on Equity (ROE) | 11.6400% | 2,053 |
| Retained earnings to average equity (ytd only) | 11.6399% | 678 |
| Net charge-offs to loans | 0.1723% | 617 |
| Credit loss provision to net charge-offs | 126.3889% | 1,625 |
| Earnings coverage of net charge-offs (x) | 19.8900% | 1,884 |
| Efficiency ratio | 63.4688% | 2,674 |
| Assets per employee ($millions) | 5.6241% | 3,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0367% | 3,123 |
| Loan loss allowance to noncurrent loans | 112.5437% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 0.6870% | 760 |
| Noncurrent loans to loans | 0.9211% | 810 |
| Net loans and leases to total assets | 73.8100% | 1,387 |
| Net loans and leases to deposits | 89.7844% | 1,284 |
| Net loans and leases to core deposits | 106.8681% | 1,074 |
| Total domestic deposits to total assets | 82.2100% | 3,088 |
| Equity capital to assets | 12.7918% | 903 |
| Core capital (leverage) ratio | 14.0637% | 789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $738,692,200 | 1,257 |
| Average earning assets | $693,374,600 | 1,245 |
| Average equity | $109,614,000 | 891 |
| Average total loans | $501,319,000 | 1,233 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.3276% | 165 |
| Cost of funding earning assets | 1.4865% | 1,649 |
| Net interest margin | 5.8411% | 120 |
| Noninterest income to average assets | 1.2200% | 488 |
| Noninterest expense to average assets | 4.4546% | 285 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.6595% | 848 |
| Return on assets (ROA) | 1.6595% | 844 |
| Pretax return on assets | 2.1110% | 646 |
| Return on Equity (ROE) | 10.7000% | 2,450 |
| Retained earnings to average equity (ytd only) | 10.6960% | 1,218 |
| Net charge-offs to loans | 0.2528% | 351 |
| Credit loss provision to net charge-offs | 73.3796% | 1,786 |
| Earnings coverage of net charge-offs (x) | 13.4549% | 2,037 |
| Efficiency ratio | 66.6121% | 2,205 |
| Assets per employee ($millions) | 4.4729% | 3,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2701% | 2,011 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.1481% | 2,586 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 70.6900% | 1,741 |
| Net loans and leases to deposits | 85.6617% | 1,606 |
| Net loans and leases to core deposits | 99.5576% | 1,340 |
| Total domestic deposits to total assets | 82.5200% | 3,114 |
| Equity capital to assets | 15.5166% | 489 |
| Core capital (leverage) ratio | 16.1792% | 471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $694,183,750 | 1,314 |
| Average earning assets | $649,288,750 | 1,303 |
| Average equity | $107,701,000 | 895 |
| Average total loans | $455,718,250 | 1,326 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.0633% | 170 |
| Cost of funding earning assets | 1.2877% | 1,743 |
| Net interest margin | 5.7756% | 129 |
| Noninterest income to average assets | 1.5500% | 310 |
| Noninterest expense to average assets | 4.4844% | 277 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 1.8721% | 589 |
| Return on assets (ROA) | 1.8721% | 582 |
| Pretax return on assets | 2.3664% | 423 |
| Return on Equity (ROE) | 12.0700% | 2,136 |
| Retained earnings to average equity (ytd only) | 12.0670% | 972 |
| Net charge-offs to loans | 0.0461% | 1,046 |
| Credit loss provision to net charge-offs | 408.0000% | 728 |
| Earnings coverage of net charge-offs (x) | 84.8400% | 1,020 |
| Efficiency ratio | 64.3350% | 2,447 |
| Assets per employee ($millions) | 4.3329% | 4,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5777% | 972 |
| Loan loss allowance to noncurrent loans | 100.7024% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 1.0397% | 431 |
| Noncurrent loans to loans | 1.5667% | 414 |
| Net loans and leases to total assets | 65.3200% | 2,232 |
| Net loans and leases to deposits | 79.4782% | 2,018 |
| Net loans and leases to core deposits | 87.9357% | 1,933 |
| Total domestic deposits to total assets | 82.1800% | 3,196 |
| Equity capital to assets | 15.9098% | 454 |
| Core capital (leverage) ratio | 15.9187% | 482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $682,551,000 | 1,323 |
| Average earning assets | $640,660,000 | 1,309 |
| Average equity | $105,891,667 | 897 |
| Average total loans | $433,616,000 | 1,363 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.8801% | 127 |
| Cost of funding earning assets | 0.9772% | 2,125 |
| Net interest margin | 5.9028% | 106 |
| Noninterest income to average assets | 1.8000% | 263 |
| Noninterest expense to average assets | 4.6953% | 255 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.1552% | 399 |
| Return on assets (ROA) | 2.1552% | 393 |
| Pretax return on assets | 2.6411% | 306 |
| Return on Equity (ROE) | 14.0700% | 1,759 |
| Retained earnings to average equity (ytd only) | 14.0719% | 929 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.0000% | 2,459 |
| Assets per employee ($millions) | 4.5368% | 4,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5553% | 1,102 |
| Loan loss allowance to noncurrent loans | 959.4406% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.1044% | 2,795 |
| Noncurrent loans to loans | 0.1621% | 2,676 |
| Net loans and leases to total assets | 63.3800% | 2,307 |
| Net loans and leases to deposits | 76.7130% | 2,061 |
| Net loans and leases to core deposits | 80.8729% | 2,188 |
| Total domestic deposits to total assets | 82.6200% | 3,375 |
| Equity capital to assets | 15.5036% | 439 |
| Core capital (leverage) ratio | 15.9722% | 470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $681,528,000 | 1,341 |
| Average earning assets | $639,760,500 | 1,326 |
| Average equity | $104,378,500 | 919 |
| Average total loans | $423,259,500 | 1,409 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7115% | 503 |
| Cost of funding earning assets | 0.3830% | 2,238 |
| Net interest margin | 4.3285% | 399 |
| Noninterest income to average assets | 2.5700% | 197 |
| Noninterest expense to average assets | 3.9444% | 347 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | 1.9298% | 339 |
| Return on assets (ROA) | 1.9298% | 328 |
| Pretax return on assets | 2.4984% | 211 |
| Return on Equity (ROE) | 12.9200% | 1,839 |
| Retained earnings to average equity (ytd only) | 12.9247% | 524 |
| Net charge-offs to loans | 0.1698% | 493 |
| Credit loss provision to net charge-offs | 211.4600% | 1,088 |
| Earnings coverage of net charge-offs (x) | 27.4082% | 1,733 |
| Efficiency ratio | 59.2992% | 3,152 |
| Assets per employee ($millions) | 4.6438% | 3,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6920% | 813 |
| Loan loss allowance to noncurrent loans | 1,147.1572% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.0882% | 2,931 |
| Noncurrent loans to loans | 0.1475% | 2,771 |
| Net loans and leases to total assets | 58.7900% | 2,751 |
| Net loans and leases to deposits | 70.5533% | 2,536 |
| Net loans and leases to core deposits | 72.0854% | 2,718 |
| Total domestic deposits to total assets | 83.3200% | 3,350 |
| Equity capital to assets | 15.1252% | 457 |
| Core capital (leverage) ratio | 15.0778% | 557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $644,895,800 | 1,393 |
| Average earning assets | $608,381,000 | 1,372 |
| Average equity | $96,288,200 | 970 |
| Average total loans | $375,241,400 | 1,476 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1537% | 973 |
| Cost of funding earning assets | 0.2918% | 2,257 |
| Net interest margin | 3.8618% | 866 |
| Noninterest income to average assets | 2.9100% | 188 |
| Noninterest expense to average assets | 3.9018% | 349 |
| Loan and lease loss provision to assets | 0.2700% | 282 |
| Net operating income to assets | 1.8330% | 400 |
| Return on assets (ROA) | 1.8330% | 391 |
| Pretax return on assets | 2.3832% | 244 |
| Return on Equity (ROE) | 12.3200% | 1,932 |
| Retained earnings to average equity (ytd only) | 12.3191% | 725 |
| Net charge-offs to loans | 0.2310% | 301 |
| Credit loss provision to net charge-offs | 202.0408% | 973 |
| Earnings coverage of net charge-offs (x) | 19.8838% | 1,716 |
| Efficiency ratio | 59.5284% | 3,175 |
| Assets per employee ($millions) | 4.8190% | 3,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6912% | 894 |
| Loan loss allowance to noncurrent loans | 152.2274% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 0.6717% | 782 |
| Noncurrent loans to loans | 1.1109% | 672 |
| Net loans and leases to total assets | 59.4400% | 2,564 |
| Net loans and leases to deposits | 71.1420% | 2,271 |
| Net loans and leases to core deposits | 73.0580% | 2,420 |
| Total domestic deposits to total assets | 83.5500% | 3,597 |
| Equity capital to assets | 14.8667% | 465 |
| Core capital (leverage) ratio | 14.9359% | 556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $636,619,250 | 1,419 |
| Average earning assets | $601,254,500 | 1,388 |
| Average equity | $94,723,000 | 996 |
| Average total loans | $367,690,250 | 1,487 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6439% | 1,703 |
| Cost of funding earning assets | 0.2140% | 2,718 |
| Net interest margin | 3.4299% | 1,516 |
| Noninterest income to average assets | 3.2187% | 142 |
| Noninterest expense to average assets | 3.7978% | 325 |
| Loan and lease loss provision to assets | 0.2612% | 268 |
| Net operating income to assets | 1.8254% | 320 |
| Return on assets (ROA) | 1.8254% | 314 |
| Pretax return on assets | 2.3953% | 191 |
| Return on Equity (ROE) | 12.2646% | 1,597 |
| Retained earnings to average equity (ytd only) | 12.2646% | 568 |
| Net charge-offs to loans | 0.1050% | 568 |
| Credit loss provision to net charge-offs | 437.9679% | 667 |
| Earnings coverage of net charge-offs (x) | 44.5455% | 1,207 |
| Efficiency ratio | 58.8418% | 3,454 |
| Assets per employee ($millions) | 4.9226% | 3,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7881% | 830 |
| Loan loss allowance to noncurrent loans | 145.1316% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 0.7359% | 722 |
| Noncurrent loans to loans | 1.2320% | 645 |
| Net loans and leases to total assets | 58.6616% | 2,467 |
| Net loans and leases to deposits | 70.3688% | 2,164 |
| Net loans and leases to core deposits | 72.5112% | 2,282 |
| Total domestic deposits to total assets | 83.3630% | 3,807 |
| Equity capital to assets | 15.0937% | 395 |
| Core capital (leverage) ratio | 15.2213% | 450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $627,151,000 | 1,439 |
| Average earning assets | $591,625,667 | 1,429 |
| Average equity | $93,341,667 | 1,018 |
| Average total loans | $356,223,667 | 1,513 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3645% | 2,198 |
| Cost of funding earning assets | 0.1980% | 2,829 |
| Net interest margin | 3.1665% | 1,979 |
| Noninterest income to average assets | 3.8163% | 130 |
| Noninterest expense to average assets | 3.7335% | 336 |
| Loan and lease loss provision to assets | 0.0359% | 1,711 |
| Net operating income to assets | 2.3157% | 146 |
| Return on assets (ROA) | 2.3157% | 145 |
| Pretax return on assets | 3.0339% | 101 |
| Return on Equity (ROE) | 15.6718% | 561 |
| Retained earnings to average equity (ytd only) | 15.6718% | 249 |
| Net charge-offs to loans | 0.1230% | 450 |
| Credit loss provision to net charge-offs | 52.8302% | 1,188 |
| Earnings coverage of net charge-offs (x) | 45.1226% | 960 |
| Efficiency ratio | 54.8774% | 3,991 |
| Assets per employee ($millions) | 5.3081% | 3,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8311% | 833 |
| Loan loss allowance to noncurrent loans | 2,046.9799% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.0476% | 3,563 |
| Noncurrent loans to loans | 0.0895% | 3,391 |
| Net loans and leases to total assets | 52.2131% | 2,966 |
| Net loans and leases to deposits | 63.0506% | 2,622 |
| Net loans and leases to core deposits | 64.7240% | 2,740 |
| Total domestic deposits to total assets | 82.8114% | 3,966 |
| Equity capital to assets | 14.9839% | 395 |
| Core capital (leverage) ratio | 15.0345% | 427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $623,220,500 | 1,448 |
| Average earning assets | $587,911,500 | 1,435 |
| Average equity | $92,089,000 | 1,063 |
| Average total loans | $344,690,500 | 1,533 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6875% | 2,148 |
| Cost of funding earning assets | 0.2119% | 3,348 |
| Net interest margin | 3.4756% | 1,805 |
| Noninterest income to average assets | 3.5817% | 156 |
| Noninterest expense to average assets | 3.8121% | 346 |
| Loan and lease loss provision to assets | 0.1995% | 542 |
| Net operating income to assets | 2.1978% | 246 |
| Return on assets (ROA) | 2.1978% | 255 |
| Pretax return on assets | 2.8918% | 160 |
| Return on Equity (ROE) | 17.2248% | 555 |
| Retained earnings to average equity (ytd only) | 17.2248% | 114 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2202% | 3,796 |
| Assets per employee ($millions) | 5.9056% | 2,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7263% | 991 |
| Loan loss allowance to noncurrent loans | 1,915.8879% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.0518% | 3,621 |
| Noncurrent loans to loans | 0.0901% | 3,476 |
| Net loans and leases to total assets | 56.4585% | 2,546 |
| Net loans and leases to deposits | 67.2134% | 2,386 |
| Net loans and leases to core deposits | 68.9852% | 2,553 |
| Total domestic deposits to total assets | 83.9989% | 3,565 |
| Equity capital to assets | 14.5666% | 563 |
| Core capital (leverage) ratio | 15.7088% | 387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $541,806,400 | 1,597 |
| Average earning assets | $517,805,600 | 1,551 |
| Average equity | $69,132,800 | 1,365 |
| Average total loans | $323,093,400 | 1,615 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6646% | 2,366 |
| Cost of funding earning assets | 0.2212% | 3,411 |
| Net interest margin | 3.4434% | 2,029 |
| Noninterest income to average assets | 3.3093% | 176 |
| Noninterest expense to average assets | 3.8447% | 321 |
| Loan and lease loss provision to assets | 0.2122% | 468 |
| Net operating income to assets | 1.9424% | 513 |
| Return on assets (ROA) | 1.9424% | 538 |
| Pretax return on assets | 2.5556% | 311 |
| Return on Equity (ROE) | 15.8907% | 971 |
| Retained earnings to average equity (ytd only) | 15.8907% | 309 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1429% | 3,241 |
| Assets per employee ($millions) | 4.9851% | 3,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8360% | 865 |
| Loan loss allowance to noncurrent loans | 502.9838% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.2120% | 2,719 |
| Noncurrent loans to loans | 0.3650% | 2,476 |
| Net loans and leases to total assets | 57.0084% | 2,612 |
| Net loans and leases to deposits | 66.1331% | 2,618 |
| Net loans and leases to core deposits | 67.8278% | 2,796 |
| Total domestic deposits to total assets | 86.2025% | 2,665 |
| Equity capital to assets | 12.2952% | 1,262 |
| Core capital (leverage) ratio | 12.4095% | 1,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $522,235,750 | 1,655 |
| Average earning assets | $500,958,000 | 1,610 |
| Average equity | $63,834,500 | 1,459 |
| Average total loans | $314,806,000 | 1,674 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6385% | 2,504 |
| Cost of funding earning assets | 0.2178% | 3,574 |
| Net interest margin | 3.4207% | 2,080 |
| Noninterest income to average assets | 3.2864% | 166 |
| Noninterest expense to average assets | 3.8002% | 335 |
| Loan and lease loss provision to assets | 0.3071% | 273 |
| Net operating income to assets | 1.8708% | 620 |
| Return on assets (ROA) | 1.8708% | 648 |
| Pretax return on assets | 2.4616% | 375 |
| Return on Equity (ROE) | 15.3377% | 1,081 |
| Retained earnings to average equity (ytd only) | 15.3377% | 392 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8515% | 3,306 |
| Assets per employee ($millions) | 5.0812% | 3,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9387% | 687 |
| Loan loss allowance to noncurrent loans | 547.7081% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.1966% | 2,967 |
| Noncurrent loans to loans | 0.3540% | 2,633 |
| Net loans and leases to total assets | 54.4713% | 3,082 |
| Net loans and leases to deposits | 63.0508% | 3,099 |
| Net loans and leases to core deposits | 64.6650% | 3,226 |
| Total domestic deposits to total assets | 86.3927% | 2,595 |
| Equity capital to assets | 11.9950% | 1,363 |
| Core capital (leverage) ratio | 11.8940% | 1,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $511,866,000 | 1,670 |
| Average earning assets | $491,189,000 | 1,633 |
| Average equity | $62,434,333 | 1,474 |
| Average total loans | $312,623,667 | 1,688 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6443% | 2,509 |
| Cost of funding earning assets | 0.2251% | 3,677 |
| Net interest margin | 3.4192% | 2,062 |
| Noninterest income to average assets | 1.9131% | 402 |
| Noninterest expense to average assets | 3.6124% | 406 |
| Loan and lease loss provision to assets | 0.2710% | 365 |
| Net operating income to assets | 0.9969% | 2,813 |
| Return on assets (ROA) | 0.9969% | 2,909 |
| Pretax return on assets | 1.3122% | 2,532 |
| Return on Equity (ROE) | 8.0991% | 3,294 |
| Retained earnings to average equity (ytd only) | 8.0991% | 2,203 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5281% | 1,757 |
| Assets per employee ($millions) | 5.3181% | 3,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6352% | 1,204 |
| Loan loss allowance to noncurrent loans | 494.9634% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.2095% | 3,104 |
| Noncurrent loans to loans | 0.3304% | 2,910 |
| Net loans and leases to total assets | 62.3838% | 2,246 |
| Net loans and leases to deposits | 72.6686% | 2,248 |
| Net loans and leases to core deposits | 74.6667% | 2,455 |
| Total domestic deposits to total assets | 85.8470% | 2,790 |
| Equity capital to assets | 11.8321% | 1,375 |
| Core capital (leverage) ratio | 12.9968% | 844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $495,953,000 | 1,712 |
| Average earning assets | $476,135,500 | 1,660 |
| Average equity | $61,043,500 | 1,494 |
| Average total loans | $317,930,000 | 1,673 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4052% | 1,580 |
| Cost of funding earning assets | 0.3962% | 3,603 |
| Net interest margin | 4.0089% | 957 |
| Noninterest income to average assets | 3.0175% | 191 |
| Noninterest expense to average assets | 3.8656% | 426 |
| Loan and lease loss provision to assets | 0.5029% | 484 |
| Net operating income to assets | 1.8522% | 351 |
| Return on assets (ROA) | 1.8522% | 373 |
| Pretax return on assets | 2.4703% | 199 |
| Return on Equity (ROE) | 15.2722% | 593 |
| Retained earnings to average equity (ytd only) | 15.2722% | 146 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5241% | 3,918 |
| Assets per employee ($millions) | 5.6040% | 2,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6602% | 1,138 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 63.7853% | 2,389 |
| Net loans and leases to deposits | 75.2168% | 2,357 |
| Net loans and leases to core deposits | 77.7782% | 2,572 |
| Total domestic deposits to total assets | 84.8020% | 2,841 |
| Equity capital to assets | 12.8355% | 1,162 |
| Core capital (leverage) ratio | 13.9695% | 694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $400,066,000 | 1,867 |
| Average earning assets | $381,347,400 | 1,830 |
| Average equity | $48,519,600 | 1,740 |
| Average total loans | $290,728,200 | 1,722 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4247% | 1,788 |
| Cost of funding earning assets | 0.4454% | 3,549 |
| Net interest margin | 3.9793% | 1,162 |
| Noninterest income to average assets | 2.2960% | 274 |
| Noninterest expense to average assets | 3.8559% | 432 |
| Loan and lease loss provision to assets | 0.6109% | 406 |
| Net operating income to assets | 1.2660% | 1,432 |
| Return on assets (ROA) | 1.2660% | 1,551 |
| Pretax return on assets | 1.6171% | 1,140 |
| Return on Equity (ROE) | 10.6297% | 1,807 |
| Retained earnings to average equity (ytd only) | 10.6297% | 649 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3790% | 2,850 |
| Assets per employee ($millions) | 5.4461% | 2,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3573% | 1,921 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 81.2302% | 500 |
| Net loans and leases to deposits | 96.4549% | 730 |
| Net loans and leases to core deposits | 100.0157% | 1,162 |
| Total domestic deposits to total assets | 84.2157% | 2,751 |
| Equity capital to assets | 11.7705% | 1,824 |
| Core capital (leverage) ratio | 12.4221% | 1,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $382,399,500 | 1,896 |
| Average earning assets | $364,012,000 | 1,867 |
| Average equity | $45,544,250 | 1,821 |
| Average total loans | $287,078,500 | 1,736 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4541% | 2,064 |
| Cost of funding earning assets | 0.5233% | 3,397 |
| Net interest margin | 3.9308% | 1,496 |
| Noninterest income to average assets | 1.4714% | 484 |
| Noninterest expense to average assets | 3.7347% | 544 |
| Loan and lease loss provision to assets | 0.3013% | 1,430 |
| Net operating income to assets | 0.9344% | 2,558 |
| Return on assets (ROA) | 0.9344% | 2,693 |
| Pretax return on assets | 1.1827% | 2,418 |
| Return on Equity (ROE) | 7.8093% | 2,823 |
| Retained earnings to average equity (ytd only) | 7.8093% | 1,368 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5645% | 1,752 |
| Assets per employee ($millions) | 5.1857% | 2,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1221% | 2,914 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 77.6298% | 901 |
| Net loans and leases to deposits | 91.3508% | 1,228 |
| Net loans and leases to core deposits | 94.9337% | 1,665 |
| Total domestic deposits to total assets | 84.9799% | 2,408 |
| Equity capital to assets | 11.1570% | 2,204 |
| Core capital (leverage) ratio | 11.7201% | 1,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0355% | 901 |
| Memoranda: |
| Average total assets | $366,451,000 | 1,931 |
| Average earning assets | $349,344,333 | 1,902 |
| Average equity | $43,845,000 | 1,861 |
| Average total loans | $264,672,000 | 1,819 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0922% | 809 |
| Cost of funding earning assets | 0.7328% | 2,769 |
| Net interest margin | 4.3593% | 681 |
| Noninterest income to average assets | 1.3455% | 493 |
| Noninterest expense to average assets | 3.9462% | 534 |
| Loan and lease loss provision to assets | 0.3097% | 1,005 |
| Net operating income to assets | 0.9825% | 2,237 |
| Return on assets (ROA) | 0.9825% | 2,338 |
| Pretax return on assets | 1.2435% | 2,054 |
| Return on Equity (ROE) | 7.8949% | 2,559 |
| Retained earnings to average equity (ytd only) | 7.8949% | 1,256 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7570% | 2,114 |
| Assets per employee ($millions) | 3.9313% | 4,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3707% | 1,804 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 69.1370% | 2,377 |
| Net loans and leases to deposits | 80.4846% | 2,629 |
| Net loans and leases to core deposits | 84.2816% | 2,827 |
| Total domestic deposits to total assets | 85.9009% | 2,036 |
| Equity capital to assets | 12.9622% | 1,446 |
| Core capital (leverage) ratio | 12.7371% | 1,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5161% | 696 |
| Memoranda: |
| Average total assets | $344,841,500 | 1,980 |
| Average earning assets | $328,584,000 | 1,939 |
| Average equity | $42,914,000 | 1,884 |
| Average total loans | $236,190,500 | 1,957 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0132% | 223 |
| Cost of funding earning assets | 0.7661% | 2,844 |
| Net interest margin | 5.2472% | 174 |
| Noninterest income to average assets | 1.8326% | 299 |
| Noninterest expense to average assets | 3.7028% | 761 |
| Loan and lease loss provision to assets | 0.5197% | 244 |
| Net operating income to assets | 2.0237% | 334 |
| Return on assets (ROA) | 2.0237% | 348 |
| Pretax return on assets | 2.5709% | 187 |
| Return on Equity (ROE) | 15.8777% | 555 |
| Retained earnings to average equity (ytd only) | 15.8777% | 71 |
| Net charge-offs to loans | 0.3348% | 617 |
| Credit loss provision to net charge-offs | 213.7283% | 1,235 |
| Earnings coverage of net charge-offs (x) | 12.7095% | 2,400 |
| Efficiency ratio | 54.5055% | 4,374 |
| Assets per employee ($millions) | 5.0549% | 2,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3298% | 1,797 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 65.9874% | 2,956 |
| Net loans and leases to deposits | 75.9163% | 3,192 |
| Net loans and leases to core deposits | 79.0974% | 3,373 |
| Total domestic deposits to total assets | 86.9212% | 1,649 |
| Equity capital to assets | 11.9236% | 2,182 |
| Core capital (leverage) ratio | 12.1484% | 1,685 |
| Tier 1 risk-based capital ratio | 18.8793% | 1,543 |
| Total risk-based capital ratio | 20.1358% | 1,509 |
| Memoranda: |
| Average total assets | $284,571,400 | 2,253 |
| Average earning assets | $269,040,200 | 2,215 |
| Average equity | $36,271,000 | 2,084 |
| Average total loans | $206,685,200 | 2,115 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1906% | 176 |
| Cost of funding earning assets | 0.7289% | 3,074 |
| Net interest margin | 5.4616% | 129 |
| Noninterest income to average assets | 2.0737% | 248 |
| Noninterest expense to average assets | 3.9251% | 578 |
| Loan and lease loss provision to assets | 0.6548% | 167 |
| Net operating income to assets | 2.0797% | 337 |
| Return on assets (ROA) | 2.0797% | 352 |
| Pretax return on assets | 2.6445% | 187 |
| Return on Equity (ROE) | 15.9878% | 605 |
| Retained earnings to average equity (ytd only) | 15.9878% | 106 |
| Net charge-offs to loans | 0.4593% | 368 |
| Credit loss provision to net charge-offs | 191.4740% | 1,369 |
| Earnings coverage of net charge-offs (x) | 9.6474% | 2,558 |
| Efficiency ratio | 54.3303% | 4,360 |
| Assets per employee ($millions) | 4.8882% | 2,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3466% | 1,779 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 67.9828% | 2,794 |
| Net loans and leases to deposits | 78.3137% | 3,066 |
| Net loans and leases to core deposits | 83.1855% | 3,162 |
| Total domestic deposits to total assets | 86.8082% | 1,615 |
| Equity capital to assets | 11.9640% | 2,291 |
| Core capital (leverage) ratio | 12.1470% | 1,761 |
| Tier 1 risk-based capital ratio | 18.7589% | 1,621 |
| Total risk-based capital ratio | 20.0192% | 1,586 |
| Memoranda: |
| Average total assets | $269,781,500 | 2,350 |
| Average earning assets | $254,424,000 | 2,323 |
| Average equity | $35,092,500 | 2,147 |
| Average total loans | $200,887,500 | 2,175 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2790% | 151 |
| Cost of funding earning assets | 0.6413% | 3,459 |
| Net interest margin | 5.6377% | 101 |
| Noninterest income to average assets | 2.0742% | 253 |
| Noninterest expense to average assets | 4.1202% | 457 |
| Loan and lease loss provision to assets | 1.0124% | 94 |
| Net operating income to assets | 1.7618% | 644 |
| Return on assets (ROA) | 1.7618% | 671 |
| Pretax return on assets | 2.2488% | 393 |
| Return on Equity (ROE) | 13.1143% | 1,202 |
| Retained earnings to average equity (ytd only) | 13.1143% | 292 |
| Net charge-offs to loans | 0.7062% | 215 |
| Credit loss provision to net charge-offs | 186.8497% | 1,280 |
| Earnings coverage of net charge-offs (x) | 6.0188% | 2,604 |
| Efficiency ratio | 55.8184% | 4,269 |
| Assets per employee ($millions) | 4.3572% | 3,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3190% | 1,929 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 78.2512% | 1,173 |
| Net loans and leases to deposits | 91.1959% | 1,599 |
| Net loans and leases to core deposits | 93.5557% | 2,277 |
| Total domestic deposits to total assets | 85.8056% | 2,134 |
| Equity capital to assets | 12.9219% | 1,622 |
| Core capital (leverage) ratio | 13.1055% | 1,254 |
| Tier 1 risk-based capital ratio | 17.2342% | 2,015 |
| Total risk-based capital ratio | 18.4926% | 1,968 |
| Memoranda: |
| Average total assets | $255,426,330 | 2,449 |
| Average earning assets | $240,453,670 | 2,430 |
| Average equity | $34,313,670 | 2,175 |
| Average total loans | $195,988,330 | 2,223 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1269% | 182 |
| Cost of funding earning assets | 0.5176% | 3,987 |
| Net interest margin | 5.6092% | 99 |
| Noninterest income to average assets | 2.1083% | 229 |
| Noninterest expense to average assets | 4.0718% | 484 |
| Loan and lease loss provision to assets | 1.1013% | 76 |
| Net operating income to assets | 1.7471% | 663 |
| Return on assets (ROA) | 1.7471% | 683 |
| Pretax return on assets | 2.2238% | 426 |
| Return on Equity (ROE) | 12.7345% | 1,312 |
| Retained earnings to average equity (ytd only) | 12.7345% | 507 |
| Net charge-offs to loans | 0.0864% | 1,240 |
| Credit loss provision to net charge-offs | 1,692.5000% | 239 |
| Earnings coverage of net charge-offs (x) | 51.1000% | 1,011 |
| Efficiency ratio | 55.0473% | 4,428 |
| Assets per employee ($millions) | 4.0206% | 3,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4420% | 1,534 |
| Loan loss allowance to noncurrent loans | 217.5898% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.5274% | 2,522 |
| Noncurrent loans to loans | 0.6627% | 2,359 |
| Net loans and leases to total assets | 78.4396% | 1,082 |
| Net loans and leases to deposits | 92.0026% | 1,398 |
| Net loans and leases to core deposits | 93.8114% | 2,143 |
| Total domestic deposits to total assets | 85.2581% | 2,575 |
| Equity capital to assets | 13.5319% | 1,198 |
| Core capital (leverage) ratio | 14.0250% | 944 |
| Tier 1 risk-based capital ratio | 17.4104% | 1,970 |
| Total risk-based capital ratio | 18.6703% | 1,914 |
| Memoranda: |
| Average total assets | $245,888,000 | 2,545 |
| Average earning assets | $231,831,500 | 2,511 |
| Average equity | $33,735,000 | 2,200 |
| Average total loans | $185,146,000 | 2,319 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3653% | 512 |
| Cost of funding earning assets | 0.3568% | 4,242 |
| Net interest margin | 5.0085% | 259 |
| Noninterest income to average assets | 2.3581% | 217 |
| Noninterest expense to average assets | 4.0520% | 496 |
| Loan and lease loss provision to assets | 0.1792% | 1,099 |
| Net operating income to assets | 2.2260% | 240 |
| Return on assets (ROA) | 2.2260% | 235 |
| Pretax return on assets | 2.8172% | 127 |
| Return on Equity (ROE) | 16.2922% | 566 |
| Retained earnings to average equity (ytd only) | 16.2922% | 80 |
| Net charge-offs to loans | -0.0007% | 4,171 |
| Credit loss provision to net charge-offs | -40,000.0000% | 5,001 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4887% | 4,218 |
| Assets per employee ($millions) | 4.0420% | 3,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3456% | 1,846 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 69.7880% | 2,597 |
| Net loans and leases to deposits | 82.5144% | 2,676 |
| Net loans and leases to core deposits | 83.6121% | 3,127 |
| Total domestic deposits to total assets | 84.5768% | 2,808 |
| Equity capital to assets | 13.9191% | 1,000 |
| Core capital (leverage) ratio | 13.5973% | 1,042 |
| Tier 1 risk-based capital ratio | 19.6698% | 1,362 |
| Total risk-based capital ratio | 20.9277% | 1,333 |
| Memoranda: |
| Average total assets | $223,273,800 | 2,667 |
| Average earning assets | $209,085,000 | 2,643 |
| Average equity | $30,505,400 | 2,307 |
| Average total loans | $142,122,800 | 2,742 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2390% | 577 |
| Cost of funding earning assets | 0.3257% | 4,342 |
| Net interest margin | 4.9133% | 310 |
| Noninterest income to average assets | 2.3115% | 227 |
| Noninterest expense to average assets | 4.0672% | 481 |
| Loan and lease loss provision to assets | 0.0990% | 2,014 |
| Net operating income to assets | 2.1445% | 284 |
| Return on assets (ROA) | 2.1445% | 281 |
| Pretax return on assets | 2.7368% | 153 |
| Return on Equity (ROE) | 15.7762% | 732 |
| Retained earnings to average equity (ytd only) | 15.7762% | 145 |
| Net charge-offs to loans | -0.0010% | 4,014 |
| Credit loss provision to net charge-offs | -16,300.0000% | 4,925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9193% | 3,974 |
| Assets per employee ($millions) | 4.0202% | 3,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4424% | 1,546 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 60.6208% | 3,784 |
| Net loans and leases to deposits | 71.4454% | 3,812 |
| Net loans and leases to core deposits | 72.2815% | 4,064 |
| Total domestic deposits to total assets | 84.8492% | 2,668 |
| Equity capital to assets | 13.8565% | 1,001 |
| Core capital (leverage) ratio | 13.9169% | 963 |
| Tier 1 risk-based capital ratio | 21.6742% | 1,094 |
| Total risk-based capital ratio | 22.9310% | 1,076 |
| Memoranda: |
| Average total assets | $219,472,750 | 2,714 |
| Average earning assets | $205,099,000 | 2,692 |
| Average equity | $29,833,250 | 2,349 |
| Average total loans | $135,478,750 | 2,837 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9048% | 1,011 |
| Cost of funding earning assets | 0.3130% | 4,324 |
| Net interest margin | 4.5918% | 559 |
| Noninterest income to average assets | 2.1799% | 250 |
| Noninterest expense to average assets | 4.0898% | 479 |
| Loan and lease loss provision to assets | 0.0666% | 2,562 |
| Net operating income to assets | 1.8155% | 559 |
| Return on assets (ROA) | 1.8155% | 564 |
| Pretax return on assets | 2.3112% | 318 |
| Return on Equity (ROE) | 13.4481% | 1,227 |
| Retained earnings to average equity (ytd only) | 13.4481% | 323 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2347% | 3,426 |
| Assets per employee ($millions) | 4.4038% | 3,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3859% | 1,800 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 62.7228% | 3,528 |
| Net loans and leases to deposits | 73.6906% | 3,569 |
| Net loans and leases to core deposits | 74.5281% | 3,844 |
| Total domestic deposits to total assets | 85.1164% | 2,630 |
| Equity capital to assets | 13.7083% | 1,024 |
| Core capital (leverage) ratio | 13.6546% | 1,012 |
| Tier 1 risk-based capital ratio | 21.0928% | 1,160 |
| Total risk-based capital ratio | 22.3484% | 1,131 |
| Memoranda: |
| Average total assets | $216,247,330 | 2,757 |
| Average earning assets | $201,925,000 | 2,737 |
| Average equity | $29,193,670 | 2,404 |
| Average total loans | $133,656,670 | 2,873 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6302% | 1,487 |
| Cost of funding earning assets | 0.2753% | 4,542 |
| Net interest margin | 4.3549% | 846 |
| Noninterest income to average assets | 2.1225% | 253 |
| Noninterest expense to average assets | 3.9743% | 550 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7566% | 611 |
| Return on assets (ROA) | 1.7566% | 617 |
| Pretax return on assets | 2.2233% | 362 |
| Return on Equity (ROE) | 13.1157% | 1,232 |
| Retained earnings to average equity (ytd only) | 13.1157% | 504 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1265% | 3,463 |
| Assets per employee ($millions) | 4.1540% | 3,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4301% | 1,731 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 58.5143% | 3,891 |
| Net loans and leases to deposits | 68.2180% | 3,932 |
| Net loans and leases to core deposits | 72.2020% | 3,937 |
| Total domestic deposits to total assets | 85.7753% | 2,645 |
| Equity capital to assets | 13.2472% | 1,137 |
| Core capital (leverage) ratio | 14.1810% | 838 |
| Tier 1 risk-based capital ratio | 21.2379% | 1,168 |
| Total risk-based capital ratio | 22.4932% | 1,138 |
| Memoranda: |
| Average total assets | $214,277,000 | 2,799 |
| Average earning assets | $200,509,000 | 2,782 |
| Average equity | $28,698,500 | 2,453 |
| Average total loans | $130,460,500 | 2,927 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1260% | 505 |
| Cost of funding earning assets | 0.2170% | 4,811 |
| Net interest margin | 4.9090% | 279 |
| Noninterest income to average assets | 3.0964% | 170 |
| Noninterest expense to average assets | 4.3996% | 343 |
| Loan and lease loss provision to assets | 0.0995% | 2,234 |
| Net operating income to assets | 1.5853% | 672 |
| Return on assets (ROA) | 1.5853% | 685 |
| Pretax return on assets | 3.0987% | 92 |
| Return on Equity (ROE) | 10.4355% | 1,700 |
| Retained earnings to average equity (ytd only) | 10.4355% | 293 |
| Net charge-offs to loans | -0.0182% | 4,931 |
| Credit loss provision to net charge-offs | -769.5652% | 5,024 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9068% | 4,539 |
| Assets per employee ($millions) | 4.2529% | 3,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4352% | 1,634 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 61.5939% | 3,668 |
| Net loans and leases to deposits | 72.0202% | 3,702 |
| Net loans and leases to core deposits | 75.9892% | 3,748 |
| Total domestic deposits to total assets | 85.5231% | 2,648 |
| Equity capital to assets | 13.5474% | 1,043 |
| Core capital (leverage) ratio | 14.1597% | 801 |
| Tier 1 risk-based capital ratio | 20.0464% | 1,309 |
| Total risk-based capital ratio | 21.3011% | 1,271 |
| Memoranda: |
| Average total assets | $177,947,400 | 3,144 |
| Average earning assets | $163,169,600 | 3,161 |
| Average equity | $27,032,800 | 2,544 |
| Average total loans | $126,227,600 | 2,977 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2252% | 401 |
| Cost of funding earning assets | 0.2092% | 4,890 |
| Net interest margin | 5.0159% | 225 |
| Noninterest income to average assets | 3.5568% | 153 |
| Noninterest expense to average assets | 4.5846% | 297 |
| Loan and lease loss provision to assets | 0.1385% | 1,543 |
| Net operating income to assets | 2.2520% | 191 |
| Return on assets (ROA) | 2.2520% | 189 |
| Pretax return on assets | 3.4120% | 90 |
| Return on Equity (ROE) | 14.3489% | 767 |
| Retained earnings to average equity (ytd only) | 14.3489% | 141 |
| Net charge-offs to loans | -0.0245% | 4,920 |
| Credit loss provision to net charge-offs | -769.5652% | 4,904 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3552% | 4,694 |
| Assets per employee ($millions) | 4.0410% | 3,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4428% | 1,727 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 68.6810% | 2,744 |
| Net loans and leases to deposits | 82.2517% | 2,752 |
| Net loans and leases to core deposits | 82.8824% | 3,223 |
| Total domestic deposits to total assets | 83.5010% | 3,288 |
| Equity capital to assets | 15.1977% | 691 |
| Core capital (leverage) ratio | 14.6975% | 722 |
| Tier 1 risk-based capital ratio | 19.0783% | 1,561 |
| Total risk-based capital ratio | 20.3331% | 1,523 |
| Memoranda: |
| Average total assets | $170,335,750 | 3,269 |
| Average earning assets | $155,474,500 | 3,283 |
| Average equity | $26,733,000 | 2,581 |
| Average total loans | $125,227,750 | 3,011 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2968% | 336 |
| Cost of funding earning assets | 0.1968% | 5,014 |
| Net interest margin | 5.1001% | 190 |
| Noninterest income to average assets | 3.3472% | 169 |
| Noninterest expense to average assets | 4.5158% | 315 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.2948% | 182 |
| Return on assets (ROA) | 2.2948% | 180 |
| Pretax return on assets | 3.4768% | 91 |
| Return on Equity (ROE) | 14.4506% | 745 |
| Retained earnings to average equity (ytd only) | 14.4506% | 161 |
| Net charge-offs to loans | -0.0275% | 4,913 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5000% | 4,764 |
| Assets per employee ($millions) | 3.8349% | 4,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3542% | 2,154 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 72.7883% | 2,082 |
| Net loans and leases to deposits | 87.7781% | 2,014 |
| Net loans and leases to core deposits | 88.0474% | 2,696 |
| Total domestic deposits to total assets | 82.9230% | 3,593 |
| Equity capital to assets | 16.1525% | 517 |
| Core capital (leverage) ratio | 15.2273% | 588 |
| Tier 1 risk-based capital ratio | 18.7528% | 1,652 |
| Total risk-based capital ratio | 20.0035% | 1,613 |
| Memoranda: |
| Average total assets | $165,153,000 | 3,338 |
| Average earning assets | $150,429,670 | 3,362 |
| Average equity | $26,227,330 | 2,615 |
| Average total loans | $123,791,670 | 3,042 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0314% | 497 |
| Cost of funding earning assets | 0.1883% | 5,083 |
| Net interest margin | 4.8430% | 291 |
| Noninterest income to average assets | 3.0509% | 192 |
| Noninterest expense to average assets | 4.5910% | 306 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.8927% | 371 |
| Return on assets (ROA) | 1.8927% | 384 |
| Pretax return on assets | 2.8673% | 148 |
| Return on Equity (ROE) | 12.0248% | 1,231 |
| Retained earnings to average equity (ytd only) | 12.0248% | 469 |
| Net charge-offs to loans | -0.0292% | 4,918 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5561% | 4,216 |
| Assets per employee ($millions) | 4.0898% | 3,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3456% | 2,321 |
| 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 | 73.3665% | 1,843 |
| Net loans and leases to deposits | 87.6930% | 1,840 |
| Net loans and leases to core deposits | 87.9444% | 2,553 |
| Total domestic deposits to total assets | 83.6629% | 3,598 |
| Equity capital to assets | 15.5707% | 561 |
| Core capital (leverage) ratio | 13.9409% | 863 |
| Tier 1 risk-based capital ratio | 17.4250% | 2,053 |
| Total risk-based capital ratio | 18.6804% | 2,003 |
| Memoranda: |
| Average total assets | $163,361,500 | 3,389 |
| Average earning assets | $148,667,500 | 3,415 |
| Average equity | $25,713,500 | 2,670 |
| Average total loans | $123,434,500 | 3,065 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5431% | 1,420 |
| Cost of funding earning assets | 0.1780% | 5,231 |
| Net interest margin | 4.3651% | 832 |
| Noninterest income to average assets | 2.5709% | 244 |
| Noninterest expense to average assets | 3.5862% | 1,035 |
| Loan and lease loss provision to assets | 0.1892% | 1,242 |
| Net operating income to assets | 1.8311% | 421 |
| Return on assets (ROA) | 1.8612% | 413 |
| Pretax return on assets | 2.8157% | 134 |
| Return on Equity (ROE) | 12.4642% | 1,127 |
| Retained earnings to average equity (ytd only) | 12.4642% | 194 |
| Net charge-offs to loans | 0.0258% | 3,521 |
| Credit loss provision to net charge-offs | 1,021.4286% | 373 |
| Earnings coverage of net charge-offs (x) | 159.7857% | 406 |
| Efficiency ratio | 54.7898% | 5,171 |
| Assets per employee ($millions) | 4.1853% | 3,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3661% | 2,233 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 75.7663% | 1,546 |
| Net loans and leases to deposits | 90.8228% | 1,592 |
| Net loans and leases to core deposits | 90.8872% | 2,418 |
| Total domestic deposits to total assets | 83.4221% | 3,622 |
| Equity capital to assets | 15.9190% | 504 |
| Core capital (leverage) ratio | 14.0672% | 801 |
| Tier 1 risk-based capital ratio | 16.6586% | 2,288 |
| Total risk-based capital ratio | 17.9217% | 2,224 |
| Memoranda: |
| Average total assets | $151,189,400 | 3,505 |
| Average earning assets | $137,659,400 | 3,521 |
| Average equity | $22,576,600 | 2,937 |
| Average total loans | $108,594,200 | 3,229 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3756% | 1,927 |
| Cost of funding earning assets | 0.1743% | 5,310 |
| Net interest margin | 4.2013% | 1,115 |
| Noninterest income to average assets | 2.5598% | 253 |
| Noninterest expense to average assets | 3.5266% | 1,103 |
| Loan and lease loss provision to assets | 0.1921% | 1,129 |
| Net operating income to assets | 1.7677% | 520 |
| Return on assets (ROA) | 1.8084% | 510 |
| Pretax return on assets | 2.7358% | 154 |
| Return on Equity (ROE) | 12.3273% | 1,220 |
| Retained earnings to average equity (ytd only) | 12.3273% | 266 |
| Net charge-offs to loans | -0.0368% | 5,245 |
| Credit loss provision to net charge-offs | -741.3793% | 5,155 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1642% | 5,139 |
| Assets per employee ($millions) | 4.4312% | 3,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3410% | 2,482 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 76.3305% | 1,470 |
| Net loans and leases to deposits | 94.6262% | 1,189 |
| Net loans and leases to core deposits | 94.8488% | 2,120 |
| Total domestic deposits to total assets | 80.6654% | 4,333 |
| Equity capital to assets | 15.3791% | 654 |
| Core capital (leverage) ratio | 14.4446% | 730 |
| Tier 1 risk-based capital ratio | 16.3191% | 2,485 |
| Total risk-based capital ratio | 17.5826% | 2,436 |
| Memoranda: |
| Average total assets | $149,226,000 | 3,552 |
| Average earning assets | $136,145,250 | 3,566 |
| Average equity | $21,891,250 | 3,020 |
| Average total loans | $105,200,250 | 3,299 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2669% | 2,268 |
| Cost of funding earning assets | 0.1718% | 5,395 |
| Net interest margin | 4.0952% | 1,379 |
| Noninterest income to average assets | 1.9356% | 351 |
| Noninterest expense to average assets | 3.4460% | 1,273 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4685% | 946 |
| Return on assets (ROA) | 1.5309% | 889 |
| Pretax return on assets | 2.3129% | 299 |
| Return on Equity (ROE) | 10.6232% | 1,795 |
| Retained earnings to average equity (ytd only) | 10.6232% | 490 |
| Net charge-offs to loans | -0.0363% | 5,222 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8380% | 4,532 |
| Assets per employee ($millions) | 4.3835% | 3,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3727% | 2,422 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 70.9770% | 2,331 |
| Net loans and leases to deposits | 85.0461% | 2,346 |
| Net loans and leases to core deposits | 85.2516% | 2,967 |
| Total domestic deposits to total assets | 83.4571% | 3,482 |
| Equity capital to assets | 15.6097% | 604 |
| Core capital (leverage) ratio | 13.0192% | 1,145 |
| Tier 1 risk-based capital ratio | 16.7716% | 2,324 |
| Total risk-based capital ratio | 18.0391% | 2,265 |
| Memoranda: |
| Average total assets | $145,794,000 | 3,618 |
| Average earning assets | $132,741,330 | 3,648 |
| Average equity | $21,010,670 | 3,095 |
| Average total loans | $99,127,330 | 3,423 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1561% | 2,632 |
| Cost of funding earning assets | 0.1678% | 5,485 |
| Net interest margin | 3.9883% | 1,649 |
| Noninterest income to average assets | 2.0934% | 321 |
| Noninterest expense to average assets | 3.3287% | 1,532 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5933% | 708 |
| Return on assets (ROA) | 1.5933% | 751 |
| Pretax return on assets | 2.4022% | 278 |
| Return on Equity (ROE) | 11.5297% | 1,455 |
| Retained earnings to average equity (ytd only) | 11.5297% | 576 |
| Net charge-offs to loans | -0.0373% | 5,172 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0830% | 4,987 |
| Assets per employee ($millions) | 4.8180% | 2,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4319% | 2,279 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 65.4474% | 3,038 |
| Net loans and leases to deposits | 76.6434% | 3,147 |
| Net loans and leases to core deposits | 76.8072% | 3,601 |
| Total domestic deposits to total assets | 85.3921% | 2,960 |
| Equity capital to assets | 13.7522% | 1,071 |
| Core capital (leverage) ratio | 11.9829% | 1,613 |
| Tier 1 risk-based capital ratio | 14.8793% | 3,209 |
| Total risk-based capital ratio | 16.1485% | 3,139 |
| Memoranda: |
| Average total assets | $146,364,000 | 3,631 |
| Average earning assets | $133,492,000 | 3,659 |
| Average equity | $20,226,000 | 3,175 |
| Average total loans | $96,641,000 | 3,481 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6991% | 4,369 |
| Cost of funding earning assets | 0.1771% | 5,485 |
| Net interest margin | 3.5220% | 3,445 |
| Noninterest income to average assets | 1.4387% | 587 |
| Noninterest expense to average assets | 3.4121% | 1,460 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 5.4819% | 38 |
| Return on assets (ROA) | 5.4819% | 37 |
| Pretax return on assets | 1.3190% | 2,204 |
| Return on Equity (ROE) | 48.4929% | 11 |
| Retained earnings to average equity (ytd only) | 48.4929% | 1 |
| Net charge-offs to loans | 0.0398% | 3,430 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 54.7419% | 941 |
| Efficiency ratio | 72.1209% | 2,890 |
| Assets per employee ($millions) | 5.3100% | 1,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4993% | 2,014 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 64.6579% | 3,172 |
| Net loans and leases to deposits | 75.7452% | 3,286 |
| Net loans and leases to core deposits | 75.9133% | 3,763 |
| Total domestic deposits to total assets | 85.3623% | 2,919 |
| Equity capital to assets | 13.8885% | 970 |
| Core capital (leverage) ratio | 11.8329% | 1,733 |
| Tier 1 risk-based capital ratio | 14.7452% | 3,305 |
| Total risk-based capital ratio | 15.9967% | 3,235 |
| Memoranda: |
| Average total assets | $128,659,200 | 3,915 |
| Average earning assets | $120,273,400 | 3,874 |
| Average equity | $14,544,400 | 3,898 |
| Average total loans | $77,877,600 | 3,887 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6195% | 4,670 |
| Cost of funding earning assets | 0.1805% | 5,552 |
| Net interest margin | 3.4391% | 3,800 |
| Noninterest income to average assets | 1.0529% | 1,078 |
| Noninterest expense to average assets | 3.3508% | 1,574 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9345% | 2,781 |
| Return on assets (ROA) | 0.9345% | 2,876 |
| Pretax return on assets | 0.9345% | 3,870 |
| Return on Equity (ROE) | 8.8466% | 2,658 |
| Retained earnings to average equity (ytd only) | 8.8466% | 958 |
| Net charge-offs to loans | 0.0795% | 2,419 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 19.9074% | 1,904 |
| Efficiency ratio | 78.1927% | 1,924 |
| Assets per employee ($millions) | 5.3474% | 1,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6460% | 1,621 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 62.4860% | 3,539 |
| Net loans and leases to deposits | 70.2075% | 3,961 |
| Net loans and leases to core deposits | 70.3654% | 4,339 |
| Total domestic deposits to total assets | 89.0018% | 1,027 |
| Equity capital to assets | 10.2860% | 3,829 |
| Core capital (leverage) ratio | 10.5789% | 2,948 |
| Tier 1 risk-based capital ratio | 15.1936% | 3,191 |
| Total risk-based capital ratio | 16.4474% | 3,129 |
| Memoranda: |
| Average total assets | $124,981,500 | 4,022 |
| Average earning assets | $117,470,250 | 3,971 |
| Average equity | $13,202,500 | 4,141 |
| Average total loans | $73,819,250 | 4,038 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5598% | 4,836 |
| Cost of funding earning assets | 0.1833% | 5,587 |
| Net interest margin | 3.3764% | 3,979 |
| Noninterest income to average assets | 0.5406% | 3,104 |
| Noninterest expense to average assets | 3.1832% | 2,024 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5259% | 4,665 |
| Return on assets (ROA) | 0.5259% | 4,765 |
| Pretax return on assets | 0.5259% | 5,157 |
| Return on Equity (ROE) | 4.9310% | 4,648 |
| Retained earnings to average equity (ytd only) | 4.9310% | 2,897 |
| Net charge-offs to loans | -0.1312% | 5,879 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8216% | 1,073 |
| Assets per employee ($millions) | 5.0514% | 2,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9792% | 1,016 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 58.3548% | 4,062 |
| Net loans and leases to deposits | 65.6909% | 4,364 |
| Net loans and leases to core deposits | 65.8447% | 4,670 |
| Total domestic deposits to total assets | 88.8325% | 1,231 |
| Equity capital to assets | 10.4406% | 3,508 |
| Core capital (leverage) ratio | 10.5847% | 2,861 |
| Tier 1 risk-based capital ratio | 16.3695% | 2,672 |
| Total risk-based capital ratio | 17.6271% | 2,624 |
| Memoranda: |
| Average total assets | $122,080,000 | 4,115 |
| Average earning assets | $114,558,330 | 4,059 |
| Average equity | $13,019,670 | 4,207 |
| Average total loans | $70,114,670 | 4,155 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5564% | 4,810 |
| Cost of funding earning assets | 0.1844% | 5,651 |
| Net interest margin | 3.3720% | 3,944 |
| Noninterest income to average assets | 0.2600% | 5,097 |
| Noninterest expense to average assets | 3.0739% | 2,347 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3567% | 5,234 |
| Return on assets (ROA) | 0.3567% | 5,347 |
| Pretax return on assets | 0.3567% | 5,523 |
| Return on Equity (ROE) | 3.3083% | 5,248 |
| Retained earnings to average equity (ytd only) | 3.3083% | 3,998 |
| Net charge-offs to loans | -0.2368% | 6,093 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6016% | 882 |
| Assets per employee ($millions) | 4.9222% | 2,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1568% | 848 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 54.6362% | 4,352 |
| Net loans and leases to deposits | 61.5785% | 4,614 |
| Net loans and leases to core deposits | 61.7266% | 4,858 |
| Total domestic deposits to total assets | 88.7261% | 1,441 |
| Equity capital to assets | 10.5490% | 3,480 |
| Core capital (leverage) ratio | 10.9903% | 2,421 |
| Tier 1 risk-based capital ratio | 17.7981% | 2,201 |
| Total risk-based capital ratio | 19.0576% | 2,153 |
| Memoranda: |
| Average total assets | $119,977,000 | 4,183 |
| Average earning assets | $112,810,500 | 4,125 |
| Average equity | $12,937,000 | 4,246 |
| Average total loans | $67,581,000 | 4,247 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4793% | 5,366 |
| Cost of funding earning assets | 0.1994% | 5,750 |
| Net interest margin | 3.2799% | 4,654 |
| Noninterest income to average assets | 0.5195% | 3,365 |
| Noninterest expense to average assets | 3.2718% | 2,002 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3504% | 5,376 |
| Return on assets (ROA) | 0.3504% | 5,443 |
| Pretax return on assets | 0.3141% | 5,675 |
| Return on Equity (ROE) | 3.2914% | 5,379 |
| Retained earnings to average equity (ytd only) | 3.2914% | 3,887 |
| Net charge-offs to loans | 0.1773% | 2,254 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 3.2500% | 3,935 |
| Efficiency ratio | 91.2395% | 764 |
| Assets per employee ($millions) | 5.0826% | 2,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1716% | 856 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 55.6074% | 4,380 |
| Net loans and leases to deposits | 63.0455% | 4,629 |
| Net loans and leases to core deposits | 63.2062% | 4,899 |
| Total domestic deposits to total assets | 88.2019% | 1,661 |
| Equity capital to assets | 11.0291% | 2,862 |
| Core capital (leverage) ratio | 10.5686% | 2,880 |
| Tier 1 risk-based capital ratio | 18.4053% | 2,014 |
| Total risk-based capital ratio | 19.6662% | 1,981 |
| Memoranda: |
| Average total assets | $115,870,000 | 4,261 |
| Average earning assets | $108,325,200 | 4,223 |
| Average equity | $12,335,000 | 4,294 |
| Average total loans | $63,165,400 | 4,392 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4671% | 5,456 |
| Cost of funding earning assets | 0.1965% | 5,862 |
| Net interest margin | 3.2706% | 4,719 |
| Noninterest income to average assets | 0.5974% | 2,891 |
| Noninterest expense to average assets | 3.2983% | 1,902 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3506% | 5,422 |
| Return on assets (ROA) | 0.3506% | 5,496 |
| Pretax return on assets | 0.3506% | 5,675 |
| Return on Equity (ROE) | 3.3235% | 5,422 |
| Retained earnings to average equity (ytd only) | 3.3235% | 4,255 |
| Net charge-offs to loans | 0.2524% | 1,534 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 2.5762% | 3,876 |
| Efficiency ratio | 90.3919% | 821 |
| Assets per employee ($millions) | 5.4059% | 1,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3310% | 801 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 48.3926% | 5,166 |
| Net loans and leases to deposits | 54.3930% | 5,353 |
| Net loans and leases to core deposits | 54.5221% | 5,531 |
| Total domestic deposits to total assets | 88.9685% | 1,258 |
| Equity capital to assets | 10.2618% | 3,841 |
| Core capital (leverage) ratio | 10.6368% | 2,878 |
| Tier 1 risk-based capital ratio | 19.3778% | 1,806 |
| Total risk-based capital ratio | 20.6392% | 1,779 |
| Memoranda: |
| Average total assets | $115,612,500 | 4,305 |
| Average earning assets | $107,868,000 | 4,267 |
| Average equity | $12,195,500 | 4,345 |
| Average total loans | $62,344,750 | 4,449 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5083% | 5,396 |
| Cost of funding earning assets | 0.1942% | 5,961 |
| Net interest margin | 3.3141% | 4,531 |
| Noninterest income to average assets | 0.2786% | 5,200 |
| Noninterest expense to average assets | 3.3823% | 1,722 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.0142% | 6,195 |
| Return on assets (ROA) | -0.0142% | 6,216 |
| Pretax return on assets | -0.0142% | 6,205 |
| Return on Equity (ROE) | -0.1332% | 6,218 |
| Retained earnings to average equity (ytd only) | -0.1332% | 5,710 |
| Net charge-offs to loans | -0.0032% | 5,103 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4215% | 390 |
| Assets per employee ($millions) | 5.4359% | 1,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4767% | 738 |
| Loan loss allowance to noncurrent loans | 80.5699% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 4.2224% | 483 |
| Noncurrent loans to loans | 3.0739% | 927 |
| Net loans and leases to total assets | 53.6389% | 4,582 |
| Net loans and leases to deposits | 60.4410% | 4,828 |
| Net loans and leases to core deposits | 60.5972% | 5,093 |
| Total domestic deposits to total assets | 88.7459% | 1,506 |
| Equity capital to assets | 10.4394% | 3,515 |
| Core capital (leverage) ratio | 10.4345% | 3,036 |
| Tier 1 risk-based capital ratio | 17.0117% | 2,614 |
| Total risk-based capital ratio | 18.2741% | 2,566 |
| Memoranda: |
| Average total assets | $112,705,000 | 4,395 |
| Average earning assets | $105,064,670 | 4,347 |
| Average equity | $12,007,670 | 4,396 |
| Average total loans | $62,591,330 | 4,464 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4260% | 5,589 |
| Cost of funding earning assets | 0.1897% | 6,081 |
| Net interest margin | 3.2363% | 4,789 |
| Noninterest income to average assets | 0.2536% | 5,338 |
| Noninterest expense to average assets | 3.5185% | 1,452 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.2179% | 6,365 |
| Return on assets (ROA) | -0.2179% | 6,369 |
| Pretax return on assets | -0.2179% | 6,356 |
| Return on Equity (ROE) | -2.0244% | 6,356 |
| Retained earnings to average equity (ytd only) | -2.0244% | 5,860 |
| Net charge-offs to loans | -0.0704% | 5,961 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.6017% | 323 |
| Assets per employee ($millions) | 5.6140% | 1,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5295% | 786 |
| Loan loss allowance to noncurrent loans | 32.3347% | 5,791 |
| Noncurrent assets plus other real estate owned to assets | 4.3107% | 525 |
| Noncurrent loans to loans | 7.8230% | 177 |
| Net loans and leases to total assets | 53.7091% | 4,461 |
| Net loans and leases to deposits | 61.2634% | 4,631 |
| Net loans and leases to core deposits | 61.4263% | 4,932 |
| Total domestic deposits to total assets | 87.6691% | 2,424 |
| Equity capital to assets | 11.3797% | 2,351 |
| Core capital (leverage) ratio | 11.7425% | 1,808 |
| Tier 1 risk-based capital ratio | 19.4440% | 1,847 |
| Total risk-based capital ratio | 20.7085% | 1,814 |
| Memoranda: |
| Average total assets | $111,980,500 | 4,445 |
| Average earning assets | $105,428,000 | 4,378 |
| Average equity | $12,053,000 | 4,410 |
| Average total loans | $62,494,000 | 4,511 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6793% | 5,196 |
| Cost of funding earning assets | 0.2119% | 6,221 |
| Net interest margin | 3.4675% | 4,036 |
| Noninterest income to average assets | 0.5454% | 3,434 |
| Noninterest expense to average assets | 3.5684% | 1,509 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2281% | 5,755 |
| Return on assets (ROA) | 0.2216% | 5,831 |
| Pretax return on assets | 0.2216% | 5,899 |
| Return on Equity (ROE) | 2.3687% | 5,715 |
| Retained earnings to average equity (ytd only) | 2.3687% | 4,556 |
| Net charge-offs to loans | 3.2511% | 69 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 0.1217% | 5,042 |
| Efficiency ratio | 93.9922% | 751 |
| Assets per employee ($millions) | 5.0765% | 2,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4620% | 864 |
| Loan loss allowance to noncurrent loans | 31.8312% | 5,896 |
| Noncurrent assets plus other real estate owned to assets | 4.3713% | 585 |
| Noncurrent loans to loans | 7.7346% | 206 |
| Net loans and leases to total assets | 55.1253% | 4,445 |
| Net loans and leases to deposits | 61.9665% | 4,727 |
| Net loans and leases to core deposits | 62.1298% | 5,044 |
| Total domestic deposits to total assets | 88.9597% | 1,657 |
| Equity capital to assets | 10.1440% | 3,575 |
| Core capital (leverage) ratio | 10.0130% | 3,550 |
| Tier 1 risk-based capital ratio | 17.0976% | 2,564 |
| Total risk-based capital ratio | 18.3615% | 2,534 |
| Memoranda: |
| Average total assets | $108,731,200 | 4,527 |
| Average earning assets | $101,947,600 | 4,461 |
| Average equity | $10,174,200 | 4,804 |
| Average total loans | $62,655,000 | 4,525 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7188% | 5,114 |
| Cost of funding earning assets | 0.2097% | 6,358 |
| Net interest margin | 3.5091% | 3,842 |
| Noninterest income to average assets | 0.6296% | 2,997 |
| Noninterest expense to average assets | 3.7051% | 1,240 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2087% | 5,891 |
| Return on assets (ROA) | 0.2000% | 5,994 |
| Pretax return on assets | 0.2000% | 6,042 |
| Return on Equity (ROE) | 2.1849% | 5,883 |
| Retained earnings to average equity (ytd only) | 2.1849% | 5,009 |
| Net charge-offs to loans | 1.4007% | 355 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.2572% | 4,778 |
| Efficiency ratio | 94.6688% | 698 |
| Assets per employee ($millions) | 5.7324% | 1,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.7072% | 142 |
| Loan loss allowance to noncurrent loans | 52.1878% | 5,135 |
| Noncurrent assets plus other real estate owned to assets | 4.9037% | 577 |
| Noncurrent loans to loans | 9.0197% | 173 |
| Net loans and leases to total assets | 51.8077% | 4,892 |
| Net loans and leases to deposits | 57.9185% | 5,203 |
| Net loans and leases to core deposits | 58.0663% | 5,448 |
| Total domestic deposits to total assets | 89.4494% | 1,329 |
| Equity capital to assets | 9.5973% | 4,423 |
| Core capital (leverage) ratio | 10.0992% | 3,521 |
| Tier 1 risk-based capital ratio | 16.9568% | 2,724 |
| Total risk-based capital ratio | 18.2474% | 2,673 |
| Memoranda: |
| Average total assets | $107,993,500 | 4,591 |
| Average earning assets | $101,069,500 | 4,525 |
| Average equity | $9,885,500 | 4,928 |
| Average total loans | $62,539,000 | 4,564 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8670% | 4,597 |
| Cost of funding earning assets | 0.2140% | 6,411 |
| Net interest margin | 3.6529% | 3,166 |
| Noninterest income to average assets | 0.7922% | 2,221 |
| Noninterest expense to average assets | 3.8931% | 988 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3195% | 5,525 |
| Return on assets (ROA) | 0.3063% | 5,736 |
| Pretax return on assets | 0.3063% | 5,865 |
| Return on Equity (ROE) | 3.4059% | 5,464 |
| Retained earnings to average equity (ytd only) | 3.4059% | 4,149 |
| Net charge-offs to loans | 2.1371% | 198 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.2526% | 4,465 |
| Efficiency ratio | 92.4147% | 866 |
| Assets per employee ($millions) | 5.3250% | 1,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.0781% | 107 |
| Loan loss allowance to noncurrent loans | 48.6432% | 5,261 |
| Noncurrent assets plus other real estate owned to assets | 5.8714% | 473 |
| Noncurrent loans to loans | 10.4395% | 144 |
| Net loans and leases to total assets | 51.2854% | 4,955 |
| Net loans and leases to deposits | 57.1867% | 5,226 |
| Net loans and leases to core deposits | 57.6454% | 5,454 |
| Total domestic deposits to total assets | 89.6808% | 1,214 |
| Equity capital to assets | 9.3268% | 4,818 |
| Core capital (leverage) ratio | 9.7158% | 3,912 |
| Tier 1 risk-based capital ratio | 16.6454% | 2,867 |
| Total risk-based capital ratio | 17.9407% | 2,814 |
| Memoranda: |
| Average total assets | $105,775,670 | 4,676 |
| Average earning assets | $99,044,330 | 4,620 |
| Average equity | $9,513,000 | 5,054 |
| Average total loans | $62,608,670 | 4,583 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0318% | 3,993 |
| Cost of funding earning assets | 0.2075% | 6,538 |
| Net interest margin | 3.8243% | 2,362 |
| Noninterest income to average assets | 1.2750% | 939 |
| Noninterest expense to average assets | 4.2651% | 655 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5768% | 4,331 |
| Return on assets (ROA) | 0.5502% | 4,607 |
| Pretax return on assets | 0.5502% | 5,112 |
| Return on Equity (ROE) | 6.2345% | 3,920 |
| Retained earnings to average equity (ytd only) | 6.2345% | 2,546 |
| Net charge-offs to loans | -0.0368% | 5,987 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0878% | 1,322 |
| Assets per employee ($millions) | 4.7371% | 2,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.4929% | 102 |
| Loan loss allowance to noncurrent loans | 52.5109% | 5,054 |
| Noncurrent assets plus other real estate owned to assets | 7.1632% | 388 |
| Noncurrent loans to loans | 10.4604% | 194 |
| Net loans and leases to total assets | 62.2115% | 3,022 |
| Net loans and leases to deposits | 69.5777% | 3,559 |
| Net loans and leases to core deposits | 70.1773% | 4,056 |
| Total domestic deposits to total assets | 89.4129% | 1,406 |
| Equity capital to assets | 9.4451% | 4,932 |
| Core capital (leverage) ratio | 9.2423% | 4,491 |
| Tier 1 risk-based capital ratio | 14.3313% | 4,274 |
| Total risk-based capital ratio | 15.6347% | 4,218 |
| Memoranda: |
| Average total assets | $105,413,500 | 4,734 |
| Average earning assets | $98,317,500 | 4,675 |
| Average equity | $9,303,000 | 5,155 |
| Average total loans | $65,142,500 | 4,522 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2958% | 4,205 |
| Cost of funding earning assets | 0.2439% | 6,697 |
| Net interest margin | 4.0519% | 2,189 |
| Noninterest income to average assets | 0.5666% | 3,468 |
| Noninterest expense to average assets | 3.9432% | 1,047 |
| Loan and lease loss provision to assets | 0.0778% | 4,739 |
| Net operating income to assets | 0.2685% | 5,579 |
| Return on assets (ROA) | 0.2685% | 5,792 |
| Pretax return on assets | 0.2685% | 5,881 |
| Return on Equity (ROE) | 3.3226% | 5,419 |
| Retained earnings to average equity (ytd only) | 3.3226% | 3,885 |
| Net charge-offs to loans | 1.5895% | 534 |
| Credit loss provision to net charge-offs | 7.6853% | 5,418 |
| Earnings coverage of net charge-offs (x) | 0.3422% | 5,306 |
| Efficiency ratio | 91.9275% | 925 |
| Assets per employee ($millions) | 4.6395% | 2,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.5417% | 93 |
| Loan loss allowance to noncurrent loans | 51.9983% | 5,030 |
| Noncurrent assets plus other real estate owned to assets | 8.6819% | 300 |
| Noncurrent loans to loans | 10.6574% | 201 |
| Net loans and leases to total assets | 54.9714% | 4,455 |
| Net loans and leases to deposits | 60.5688% | 4,964 |
| Net loans and leases to core deposits | 61.0277% | 5,267 |
| Total domestic deposits to total assets | 90.7586% | 589 |
| Equity capital to assets | 8.2714% | 6,223 |
| Core capital (leverage) ratio | 8.6131% | 5,444 |
| Tier 1 risk-based capital ratio | 13.4553% | 4,784 |
| Total risk-based capital ratio | 14.7560% | 4,699 |
| Memoranda: |
| Average total assets | $108,010,000 | 4,636 |
| Average earning assets | $99,237,200 | 4,608 |
| Average equity | $8,728,200 | 5,294 |
| Average total loans | $68,765,200 | 4,399 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3881% | 4,100 |
| Cost of funding earning assets | 0.2615% | 6,765 |
| Net interest margin | 4.1266% | 1,997 |
| Noninterest income to average assets | 0.4727% | 4,120 |
| Noninterest expense to average assets | 4.0021% | 927 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2600% | 5,750 |
| Return on assets (ROA) | 0.2600% | 5,939 |
| Pretax return on assets | 0.2600% | 6,021 |
| Return on Equity (ROE) | 3.2373% | 5,598 |
| Retained earnings to average equity (ytd only) | 3.2373% | 4,592 |
| Net charge-offs to loans | 0.4129% | 2,439 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.9676% | 4,835 |
| Efficiency ratio | 93.8996% | 781 |
| Assets per employee ($millions) | 4.5379% | 2,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.3739% | 56 |
| Loan loss allowance to noncurrent loans | 66.2236% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 7.7894% | 403 |
| Noncurrent loans to loans | 9.6249% | 269 |
| Net loans and leases to total assets | 61.6985% | 3,444 |
| Net loans and leases to deposits | 68.1973% | 4,153 |
| Net loans and leases to core deposits | 68.9827% | 4,612 |
| Total domestic deposits to total assets | 90.4706% | 607 |
| Equity capital to assets | 8.4582% | 6,300 |
| Core capital (leverage) ratio | 8.4245% | 5,867 |
| Tier 1 risk-based capital ratio | 12.4977% | 5,646 |
| Total risk-based capital ratio | 13.8099% | 5,556 |
| Memoranda: |
| Average total assets | $107,175,750 | 4,704 |
| Average earning assets | $98,415,250 | 4,683 |
| Average equity | $8,607,750 | 5,379 |
| Average total loans | $69,756,500 | 4,405 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3506% | 4,377 |
| Cost of funding earning assets | 0.2709% | 6,835 |
| Net interest margin | 4.0797% | 2,169 |
| Noninterest income to average assets | 0.4236% | 4,470 |
| Noninterest expense to average assets | 3.9737% | 976 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1831% | 5,968 |
| Return on assets (ROA) | 0.1831% | 6,141 |
| Pretax return on assets | 0.1831% | 6,172 |
| Return on Equity (ROE) | 2.3200% | 5,944 |
| Retained earnings to average equity (ytd only) | 2.3200% | 5,031 |
| Net charge-offs to loans | 0.6278% | 1,750 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.4500% | 4,854 |
| Efficiency ratio | 95.5941% | 719 |
| Assets per employee ($millions) | 4.5602% | 2,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.4512% | 65 |
| Loan loss allowance to noncurrent loans | 62.4822% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 8.7544% | 362 |
| Noncurrent loans to loans | 10.3249% | 248 |
| Net loans and leases to total assets | 60.5564% | 3,723 |
| Net loans and leases to deposits | 66.6919% | 4,420 |
| Net loans and leases to core deposits | 67.1452% | 4,881 |
| Total domestic deposits to total assets | 90.8003% | 527 |
| Equity capital to assets | 8.2291% | 6,428 |
| Core capital (leverage) ratio | 7.9880% | 6,292 |
| Tier 1 risk-based capital ratio | 12.2160% | 5,782 |
| Total risk-based capital ratio | 13.5270% | 5,714 |
| Memoranda: |
| Average total assets | $108,110,330 | 4,715 |
| Average earning assets | $98,928,670 | 4,695 |
| Average equity | $8,534,330 | 5,406 |
| Average total loans | $70,082,000 | 4,416 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4541% | 4,095 |
| Cost of funding earning assets | 0.2824% | 6,898 |
| Net interest margin | 4.1717% | 1,845 |
| Noninterest income to average assets | 0.3864% | 4,776 |
| Noninterest expense to average assets | 4.0064% | 927 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2041% | 5,974 |
| Return on assets (ROA) | 0.2041% | 6,119 |
| Pretax return on assets | 0.2041% | 6,194 |
| Return on Equity (ROE) | 2.6396% | 5,849 |
| Retained earnings to average equity (ytd only) | 2.6396% | 4,938 |
| Net charge-offs to loans | 1.2420% | 818 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.2534% | 4,240 |
| Efficiency ratio | 95.1515% | 759 |
| Assets per employee ($millions) | 4.8444% | 2,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.3684% | 63 |
| Loan loss allowance to noncurrent loans | 53.3504% | 4,878 |
| Noncurrent assets plus other real estate owned to assets | 9.3707% | 349 |
| Noncurrent loans to loans | 11.9370% | 209 |
| Net loans and leases to total assets | 57.7821% | 4,069 |
| Net loans and leases to deposits | 63.2306% | 4,739 |
| Net loans and leases to core deposits | 63.6299% | 5,161 |
| Total domestic deposits to total assets | 91.3832% | 411 |
| Equity capital to assets | 7.6565% | 6,712 |
| Core capital (leverage) ratio | 7.8556% | 6,371 |
| Tier 1 risk-based capital ratio | 11.8364% | 6,059 |
| Total risk-based capital ratio | 13.1457% | 6,017 |
| Memoranda: |
| Average total assets | $109,723,500 | 4,716 |
| Average earning assets | $100,581,500 | 4,689 |
| Average equity | $8,486,000 | 5,435 |
| Average total loans | $71,176,000 | 4,410 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4231% | 5,334 |
| Cost of funding earning assets | 0.3752% | 6,952 |
| Net interest margin | 4.0479% | 2,640 |
| Noninterest income to average assets | 0.4191% | 4,460 |
| Noninterest expense to average assets | 3.8449% | 1,267 |
| Loan and lease loss provision to assets | 2.4573% | 183 |
| Net operating income to assets | -2.1083% | 7,046 |
| Return on assets (ROA) | -2.1083% | 7,058 |
| Pretax return on assets | -2.1083% | 7,052 |
| Return on Equity (ROE) | -25.5374% | 7,050 |
| Retained earnings to average equity (ytd only) | -25.7114% | 7,042 |
| Net charge-offs to loans | 3.8454% | 173 |
| Credit loss provision to net charge-offs | 96.9333% | 3,718 |
| Earnings coverage of net charge-offs (x) | 0.1377% | 5,730 |
| Efficiency ratio | 91.6784% | 1,067 |
| Assets per employee ($millions) | 4.3210% | 3,215 |
| Cash dividends to net income (ytd only)* | -0.6814% | 7,231 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.2508% | 77 |
| Loan loss allowance to noncurrent loans | 49.0771% | 5,081 |
| Noncurrent assets plus other real estate owned to assets | 10.6762% | 283 |
| Noncurrent loans to loans | 12.7366% | 188 |
| Net loans and leases to total assets | 63.8658% | 3,218 |
| Net loans and leases to deposits | 70.0310% | 4,094 |
| Net loans and leases to core deposits | 70.4882% | 4,723 |
| Total domestic deposits to total assets | 91.1965% | 430 |
| Equity capital to assets | 7.8139% | 6,679 |
| Core capital (leverage) ratio | 7.4159% | 6,693 |
| Tier 1 risk-based capital ratio | 11.0095% | 6,452 |
| Total risk-based capital ratio | 12.3178% | 6,400 |
| Memoranda: |
| Average total assets | $118,339,800 | 4,450 |
| Average earning assets | $110,352,200 | 4,384 |
| Average equity | $9,770,000 | 5,079 |
| Average total loans | $78,014,400 | 4,212 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3734% | 5,693 |
| Cost of funding earning assets | 0.3816% | 7,055 |
| Net interest margin | 3.9918% | 2,949 |
| Noninterest income to average assets | 0.4510% | 4,285 |
| Noninterest expense to average assets | 3.8229% | 1,274 |
| Loan and lease loss provision to assets | 2.7489% | 140 |
| Net operating income to assets | -2.3839% | 7,196 |
| Return on assets (ROA) | -2.3839% | 7,201 |
| Pretax return on assets | -2.3839% | 7,182 |
| Return on Equity (ROE) | -28.5341% | 7,187 |
| Retained earnings to average equity (ytd only) | -28.7585% | 7,181 |
| Net charge-offs to loans | 3.4310% | 238 |
| Credit loss provision to net charge-offs | 122.4460% | 2,644 |
| Earnings coverage of net charge-offs (x) | 0.1626% | 5,483 |
| Efficiency ratio | 91.2849% | 1,085 |
| Assets per employee ($millions) | 4.8380% | 2,413 |
| Cash dividends to net income (ytd only)* | -0.7864% | 7,333 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.5581% | 64 |
| Loan loss allowance to noncurrent loans | 39.6718% | 5,645 |
| Noncurrent assets plus other real estate owned to assets | 11.1779% | 277 |
| Noncurrent loans to loans | 16.5308% | 105 |
| Net loans and leases to total assets | 63.1841% | 3,479 |
| Net loans and leases to deposits | 69.0689% | 4,441 |
| Net loans and leases to core deposits | 73.3489% | 4,546 |
| Total domestic deposits to total assets | 91.4799% | 301 |
| Equity capital to assets | 7.5840% | 6,902 |
| Core capital (leverage) ratio | 7.4476% | 6,788 |
| Tier 1 risk-based capital ratio | 11.1281% | 6,465 |
| Total risk-based capital ratio | 12.4432% | 6,417 |
| Memoranda: |
| Average total assets | $120,918,500 | 4,396 |
| Average earning assets | $113,196,500 | 4,321 |
| Average equity | $10,102,250 | 5,011 |
| Average total loans | $79,120,250 | 4,205 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4152% | 5,635 |
| Cost of funding earning assets | 0.3939% | 7,139 |
| Net interest margin | 4.0213% | 2,736 |
| Noninterest income to average assets | 0.5289% | 3,636 |
| Noninterest expense to average assets | 3.7888% | 1,362 |
| Loan and lease loss provision to assets | 1.2390% | 618 |
| Net operating income to assets | -0.7493% | 6,843 |
| Return on assets (ROA) | -0.7493% | 6,858 |
| Pretax return on assets | -0.7493% | 6,800 |
| Return on Equity (ROE) | -8.7144% | 6,890 |
| Retained earnings to average equity (ytd only) | -9.3978% | 6,852 |
| Net charge-offs to loans | 0.5169% | 2,549 |
| Credit loss provision to net charge-offs | 370.2439% | 824 |
| Earnings coverage of net charge-offs (x) | 1.4634% | 4,187 |
| Efficiency ratio | 88.5540% | 1,356 |
| Assets per employee ($millions) | 4.9220% | 2,231 |
| Cash dividends to net income (ytd only)* | -7.8431% | 7,440 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.5488% | 70 |
| Loan loss allowance to noncurrent loans | 43.7495% | 5,408 |
| Noncurrent assets plus other real estate owned to assets | 10.8152% | 327 |
| Noncurrent loans to loans | 14.9689% | 138 |
| Net loans and leases to total assets | 60.8376% | 4,120 |
| Net loans and leases to deposits | 67.1637% | 4,828 |
| Net loans and leases to core deposits | 71.1185% | 4,932 |
| Total domestic deposits to total assets | 90.5810% | 685 |
| Equity capital to assets | 8.4495% | 6,237 |
| Core capital (leverage) ratio | 8.8265% | 5,008 |
| Tier 1 risk-based capital ratio | 12.3761% | 5,453 |
| Total risk-based capital ratio | 13.6874% | 5,390 |
| Memoranda: |
| Average total assets | $122,520,330 | 4,375 |
| Average earning assets | $114,243,000 | 4,326 |
| Average equity | $10,534,330 | 4,915 |
| Average total loans | $79,322,330 | 4,243 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4370% | 5,567 |
| Cost of funding earning assets | 0.4151% | 7,195 |
| Net interest margin | 4.0219% | 2,600 |
| Noninterest income to average assets | 0.6511% | 2,839 |
| Noninterest expense to average assets | 3.8738% | 1,214 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5497% | 4,273 |
| Return on assets (ROA) | 0.5497% | 4,357 |
| Pretax return on assets | 0.5497% | 4,864 |
| Return on Equity (ROE) | 6.3378% | 3,707 |
| Retained earnings to average equity (ytd only) | 4.9797% | 3,208 |
| Net charge-offs to loans | -0.0051% | 6,240 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5740% | 1,560 |
| Assets per employee ($millions) | 4.8194% | 2,396 |
| Cash dividends to net income (ytd only)* | 21.4286% | 2,178 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.9656% | 106 |
| Loan loss allowance to noncurrent loans | 38.8944% | 5,703 |
| Noncurrent assets plus other real estate owned to assets | 11.1075% | 326 |
| Noncurrent loans to loans | 15.3379% | 141 |
| Net loans and leases to total assets | 61.3972% | 3,987 |
| Net loans and leases to deposits | 68.1904% | 4,650 |
| Net loans and leases to core deposits | 72.4982% | 4,725 |
| Total domestic deposits to total assets | 90.0378% | 1,132 |
| Equity capital to assets | 9.0085% | 5,195 |
| Core capital (leverage) ratio | 9.0562% | 4,516 |
| Tier 1 risk-based capital ratio | 12.9755% | 4,844 |
| Total risk-based capital ratio | 14.2796% | 4,789 |
| Memoranda: |
| Average total assets | $122,256,000 | 4,410 |
| Average earning assets | $114,673,000 | 4,333 |
| Average equity | $10,603,000 | 4,891 |
| Average total loans | $78,930,500 | 4,294 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4919% | 6,418 |
| Cost of funding earning assets | 0.8158% | 6,499 |
| Net interest margin | 3.6760% | 4,460 |
| Noninterest income to average assets | 0.3401% | 5,358 |
| Noninterest expense to average assets | 4.0318% | 1,116 |
| Loan and lease loss provision to assets | 0.8104% | 2,013 |
| Net operating income to assets | -1.0882% | 6,733 |
| Return on assets (ROA) | -1.0882% | 6,760 |
| Pretax return on assets | -1.0882% | 6,687 |
| Return on Equity (ROE) | -14.1725% | 6,891 |
| Retained earnings to average equity (ytd only) | -15.6906% | 6,907 |
| Net charge-offs to loans | 2.7404% | 655 |
| Credit loss provision to net charge-offs | 45.4545% | 6,323 |
| Earnings coverage of net charge-offs (x) | -0.1558% | 6,263 |
| Efficiency ratio | 107.4011% | 591 |
| Assets per employee ($millions) | 4.5936% | 2,719 |
| Cash dividends to net income (ytd only)* | -10.7117% | 7,494 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.9248% | 111 |
| Loan loss allowance to noncurrent loans | 42.9042% | 5,453 |
| Noncurrent assets plus other real estate owned to assets | 9.8794% | 421 |
| Noncurrent loans to loans | 13.8093% | 202 |
| Net loans and leases to total assets | 60.0689% | 4,667 |
| Net loans and leases to deposits | 68.2831% | 5,066 |
| Net loans and leases to core deposits | 72.5706% | 5,153 |
| Total domestic deposits to total assets | 87.9703% | 2,260 |
| Equity capital to assets | 8.3466% | 6,080 |
| Core capital (leverage) ratio | 8.9172% | 4,665 |
| Tier 1 risk-based capital ratio | 12.4663% | 5,050 |
| Total risk-based capital ratio | 13.7704% | 4,992 |
| Memoranda: |
| Average total assets | $125,253,200 | 4,369 |
| Average earning assets | $116,320,600 | 4,308 |
| Average equity | $9,617,200 | 5,230 |
| Average total loans | $81,485,000 | 4,297 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5401% | 6,496 |
| Cost of funding earning assets | 0.8765% | 6,484 |
| Net interest margin | 3.6635% | 4,579 |
| Noninterest income to average assets | 0.3430% | 5,428 |
| Noninterest expense to average assets | 4.1838% | 846 |
| Loan and lease loss provision to assets | 1.0778% | 1,358 |
| Net operating income to assets | -1.5323% | 7,115 |
| Return on assets (ROA) | -1.5323% | 7,125 |
| Pretax return on assets | -1.5323% | 7,049 |
| Return on Equity (ROE) | -20.3949% | 7,228 |
| Retained earnings to average equity (ytd only) | -21.9354% | 7,244 |
| Net charge-offs to loans | 2.3495% | 747 |
| Credit loss provision to net charge-offs | 70.1936% | 5,414 |
| Earnings coverage of net charge-offs (x) | -0.2960% | 6,243 |
| Efficiency ratio | 112.1868% | 487 |
| Assets per employee ($millions) | 4.5508% | 2,840 |
| Cash dividends to net income (ytd only)* | -7.5537% | 7,616 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.6817% | 74 |
| Loan loss allowance to noncurrent loans | 40.1098% | 5,617 |
| Noncurrent assets plus other real estate owned to assets | 11.5449% | 298 |
| Noncurrent loans to loans | 16.6585% | 126 |
| Net loans and leases to total assets | 64.6724% | 3,981 |
| Net loans and leases to deposits | 71.7449% | 4,874 |
| Net loans and leases to core deposits | 78.6727% | 4,717 |
| Total domestic deposits to total assets | 90.1421% | 810 |
| Equity capital to assets | 8.8497% | 5,779 |
| Core capital (leverage) ratio | 8.2483% | 5,960 |
| Tier 1 risk-based capital ratio | 12.1200% | 5,347 |
| Total risk-based capital ratio | 13.4330% | 5,254 |
| Memoranda: |
| Average total assets | $125,560,000 | 4,428 |
| Average earning assets | $116,059,500 | 4,384 |
| Average equity | $9,433,500 | 5,368 |
| Average total loans | $82,058,000 | 4,350 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5289% | 6,639 |
| Cost of funding earning assets | 0.9449% | 6,401 |
| Net interest margin | 3.5840% | 4,883 |
| Noninterest income to average assets | 0.2454% | 6,158 |
| Noninterest expense to average assets | 4.3509% | 679 |
| Loan and lease loss provision to assets | -0.3407% | 7,797 |
| Net operating income to assets | -0.4751% | 6,626 |
| Return on assets (ROA) | -0.4751% | 6,665 |
| Pretax return on assets | -0.4751% | 6,568 |
| Return on Equity (ROE) | -6.6904% | 6,816 |
| Retained earnings to average equity (ytd only) | -8.2970% | 6,834 |
| Net charge-offs to loans | 1.1550% | 1,645 |
| Credit loss provision to net charge-offs | -45.9916% | 6,627 |
| Earnings coverage of net charge-offs (x) | -1.1013% | 6,133 |
| Efficiency ratio | 123.0769% | 378 |
| Assets per employee ($millions) | 4.7774% | 2,473 |
| Cash dividends to net income (ytd only)* | -24.0132% | 7,741 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.3274% | 88 |
| Loan loss allowance to noncurrent loans | 40.9512% | 5,605 |
| Noncurrent assets plus other real estate owned to assets | 9.1971% | 476 |
| Noncurrent loans to loans | 15.4510% | 154 |
| Net loans and leases to total assets | 55.7577% | 5,738 |
| Net loans and leases to deposits | 60.9311% | 6,319 |
| Net loans and leases to core deposits | 65.8060% | 6,258 |
| Total domestic deposits to total assets | 91.5096% | 324 |
| Equity capital to assets | 7.5832% | 7,070 |
| Core capital (leverage) ratio | 8.2152% | 5,916 |
| Tier 1 risk-based capital ratio | 11.8804% | 5,418 |
| Total risk-based capital ratio | 13.1870% | 5,340 |
| Memoranda: |
| Average total assets | $127,973,000 | 4,405 |
| Average earning assets | $117,466,670 | 4,385 |
| Average equity | $9,087,670 | 5,479 |
| Average total loans | $82,077,330 | 4,382 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5291% | 6,732 |
| Cost of funding earning assets | 1.0246% | 6,251 |
| Net interest margin | 3.5045% | 5,133 |
| Noninterest income to average assets | 0.2119% | 6,449 |
| Noninterest expense to average assets | 4.6786% | 481 |
| Loan and lease loss provision to assets | 0.3423% | 3,332 |
| Net operating income to assets | -1.5193% | 7,338 |
| Return on assets (ROA) | -1.5193% | 7,344 |
| Pretax return on assets | -1.5193% | 7,263 |
| Return on Equity (ROE) | -22.2474% | 7,471 |
| Retained earnings to average equity (ytd only) | -23.9661% | 7,443 |
| Net charge-offs to loans | -0.3078% | 7,749 |
| Credit loss provision to net charge-offs | -166.6667% | 6,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.6127% | 302 |
| Assets per employee ($millions) | 3.9271% | 4,037 |
| Cash dividends to net income (ytd only)* | -7.7253% | 7,827 |
| Condition Ratios (%) |
| Loss allowance to loans | 7.1966% | 55 |
| Loan loss allowance to noncurrent loans | 44.9357% | 5,357 |
| Noncurrent assets plus other real estate owned to assets | 10.7633% | 349 |
| Noncurrent loans to loans | 16.0153% | 150 |
| Net loans and leases to total assets | 62.3699% | 4,681 |
| Net loans and leases to deposits | 67.4582% | 5,653 |
| Net loans and leases to core deposits | 74.5338% | 5,440 |
| Total domestic deposits to total assets | 92.4571% | 171 |
| Equity capital to assets | 6.5506% | 7,516 |
| Core capital (leverage) ratio | 7.0948% | 7,179 |
| Tier 1 risk-based capital ratio | 9.8371% | 7,126 |
| Total risk-based capital ratio | 11.1592% | 7,079 |
| Memoranda: |
| Average total assets | $122,687,500 | 4,566 |
| Average earning assets | $115,166,000 | 4,497 |
| Average equity | $8,378,500 | 5,718 |
| Average total loans | $81,882,500 | 4,447 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0432% | 6,298 |
| Cost of funding earning assets | 1.3223% | 6,233 |
| Net interest margin | 3.7209% | 4,037 |
| Noninterest income to average assets | 0.1163% | 7,178 |
| Noninterest expense to average assets | 4.0693% | 1,274 |
| Loan and lease loss provision to assets | 8.8338% | 26 |
| Net operating income to assets | -9.2795% | 7,965 |
| Return on assets (ROA) | -9.0958% | 7,961 |
| Pretax return on assets | -9.0958% | 7,950 |
| Return on Equity (ROE) | -73.7902% | 7,830 |
| Retained earnings to average equity (ytd only) | -74.5259% | 7,833 |
| Net charge-offs to loans | 8.6891% | 59 |
| Credit loss provision to net charge-offs | 163.3042% | 2,687 |
| Earnings coverage of net charge-offs (x) | -0.0824% | 6,314 |
| Efficiency ratio | 112.2995% | 763 |
| Assets per employee ($millions) | 3.5208% | 4,966 |
| Cash dividends to net income (ytd only)* | -0.9970% | 7,392 |
| Condition Ratios (%) |
| Loss allowance to loans | 7.4520% | 50 |
| Loan loss allowance to noncurrent loans | 55.3215% | 4,677 |
| Noncurrent assets plus other real estate owned to assets | 8.9243% | 449 |
| Noncurrent loans to loans | 13.4703% | 221 |
| Net loans and leases to total assets | 61.3147% | 5,139 |
| Net loans and leases to deposits | 66.8415% | 5,964 |
| Net loans and leases to core deposits | 72.8278% | 6,602 |
| Total domestic deposits to total assets | 91.7315% | 322 |
| Equity capital to assets | 7.1216% | 7,314 |
| Core capital (leverage) ratio | 6.3392% | 7,542 |
| Tier 1 risk-based capital ratio | 10.6377% | 6,261 |
| Total risk-based capital ratio | 11.9584% | 6,175 |
| Memoranda: |
| Average total assets | $129,015,600 | 4,355 |
| Average earning assets | $121,609,200 | 4,274 |
| Average equity | $15,903,200 | 3,883 |
| Average total loans | $80,319,000 | 4,497 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1616% | 6,058 |
| Cost of funding earning assets | 1.3081% | 6,532 |
| Net interest margin | 3.8535% | 3,417 |
| Noninterest income to average assets | 0.0853% | 7,468 |
| Noninterest expense to average assets | 3.9357% | 1,376 |
| Loan and lease loss provision to assets | 4.3884% | 239 |
| Net operating income to assets | -4.5965% | 7,803 |
| Return on assets (ROA) | -4.3559% | 7,786 |
| Pretax return on assets | -4.3559% | 7,738 |
| Return on Equity (ROE) | -32.2361% | 7,650 |
| Retained earnings to average equity (ytd only) | -32.8371% | 7,651 |
| Net charge-offs to loans | 3.9748% | 357 |
| Credit loss provision to net charge-offs | 179.9750% | 2,553 |
| Earnings coverage of net charge-offs (x) | -0.0853% | 6,161 |
| Efficiency ratio | 105.5828% | 865 |
| Assets per employee ($millions) | 4.2390% | 3,307 |
| Cash dividends to net income (ytd only)* | -1.8643% | 7,635 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.1224% | 272 |
| Loan loss allowance to noncurrent loans | 34.4852% | 6,128 |
| Noncurrent assets plus other real estate owned to assets | 7.0749% | 678 |
| Noncurrent loans to loans | 11.9542% | 278 |
| Net loans and leases to total assets | 56.7440% | 6,062 |
| Net loans and leases to deposits | 64.8291% | 6,416 |
| Net loans and leases to core deposits | 70.1517% | 6,961 |
| Total domestic deposits to total assets | 87.5286% | 1,870 |
| Equity capital to assets | 11.5385% | 2,553 |
| Core capital (leverage) ratio | 12.0069% | 1,798 |
| Tier 1 risk-based capital ratio | 17.1959% | 2,218 |
| Total risk-based capital ratio | 18.4748% | 2,152 |
| Memoranda: |
| Average total assets | $131,342,750 | 4,347 |
| Average earning assets | $124,145,250 | 4,241 |
| Average equity | $17,747,750 | 3,569 |
| Average total loans | $80,571,750 | 4,536 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3999% | 5,153 |
| Cost of funding earning assets | 1.3640% | 6,606 |
| Net interest margin | 4.0359% | 2,550 |
| Noninterest income to average assets | 0.0809% | 7,574 |
| Noninterest expense to average assets | 3.9099% | 1,466 |
| Loan and lease loss provision to assets | 2.4639% | 641 |
| Net operating income to assets | -2.4888% | 7,554 |
| Return on assets (ROA) | -2.4888% | 7,547 |
| Pretax return on assets | -2.4888% | 7,417 |
| Return on Equity (ROE) | -17.4913% | 7,438 |
| Retained earnings to average equity (ytd only) | -17.9617% | 7,392 |
| Net charge-offs to loans | 4.3566% | 305 |
| Credit loss provision to net charge-offs | 91.0293% | 4,888 |
| Earnings coverage of net charge-offs (x) | -0.0092% | 5,699 |
| Efficiency ratio | 100.6410% | 1,146 |
| Assets per employee ($millions) | 4.3031% | 3,114 |
| Cash dividends to net income (ytd only)* | -2.6892% | 7,776 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6114% | 2,688 |
| Loan loss allowance to noncurrent loans | 53.2059% | 4,827 |
| Noncurrent assets plus other real estate owned to assets | 1.8824% | 3,359 |
| Noncurrent loans to loans | 3.0286% | 2,382 |
| Net loans and leases to total assets | 61.1510% | 5,494 |
| Net loans and leases to deposits | 71.9834% | 5,736 |
| Net loans and leases to core deposits | 77.7115% | 6,559 |
| Total domestic deposits to total assets | 84.9516% | 3,289 |
| Equity capital to assets | 14.0499% | 1,298 |
| Core capital (leverage) ratio | 13.3113% | 1,324 |
| Tier 1 risk-based capital ratio | 19.5601% | 1,664 |
| Total risk-based capital ratio | 20.8113% | 1,622 |
| Memoranda: |
| Average total assets | $128,494,330 | 4,425 |
| Average earning assets | $121,114,330 | 4,341 |
| Average equity | $18,283,330 | 3,507 |
| Average total loans | $79,832,000 | 4,587 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6023% | 4,337 |
| Cost of funding earning assets | 1.3972% | 6,741 |
| Net interest margin | 4.2051% | 1,878 |
| Noninterest income to average assets | 0.0762% | 7,670 |
| Noninterest expense to average assets | 3.4877% | 2,133 |
| Loan and lease loss provision to assets | 1.7613% | 701 |
| Net operating income to assets | -1.2091% | 7,364 |
| Return on assets (ROA) | -1.2091% | 7,382 |
| Pretax return on assets | -1.2091% | 7,258 |
| Return on Equity (ROE) | -8.4413% | 7,265 |
| Retained earnings to average equity (ytd only) | -8.5964% | 6,971 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3315% | 2,033 |
| Assets per employee ($millions) | 4.0732% | 3,501 |
| Cash dividends to net income (ytd only)* | -1.8373% | 8,032 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5322% | 743 |
| Loan loss allowance to noncurrent loans | 117.3066% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 1.3388% | 3,987 |
| Noncurrent loans to loans | 2.1586% | 3,041 |
| Net loans and leases to total assets | 60.4505% | 5,580 |
| Net loans and leases to deposits | 71.1488% | 5,847 |
| Net loans and leases to core deposits | 78.8316% | 6,474 |
| Total domestic deposits to total assets | 84.9635% | 3,222 |
| Equity capital to assets | 14.6091% | 1,206 |
| Core capital (leverage) ratio | 15.5067% | 862 |
| Tier 1 risk-based capital ratio | 21.6080% | 1,356 |
| Total risk-based capital ratio | 22.8698% | 1,322 |
| Memoranda: |
| Average total assets | $126,043,500 | 4,493 |
| Average earning assets | $118,808,000 | 4,419 |
| Average equity | $18,054,000 | 3,558 |
| Average total loans | $78,293,500 | 4,669 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8611% | 6,230 |
| Cost of funding earning assets | 1.2503% | 7,890 |
| Net interest margin | 4.6108% | 1,147 |
| Noninterest income to average assets | 0.1327% | 7,443 |
| Noninterest expense to average assets | 4.9101% | 660 |
| Loan and lease loss provision to assets | 1.6106% | 815 |
| Net operating income to assets | -2.0349% | 7,611 |
| Return on assets (ROA) | -2.0349% | 7,571 |
| Pretax return on assets | -2.0349% | 7,443 |
| Return on Equity (ROE) | -9.2986% | 7,222 |
| Retained earnings to average equity (ytd only) | -9.2986% | 7,002 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.4584% | 718 |
| Assets per employee ($millions) | 4.8698% | 2,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9697% | 1,284 |
| Loan loss allowance to noncurrent loans | 149.7992% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 0.8181% | 4,803 |
| Noncurrent loans to loans | 1.3149% | 3,884 |
| Net loans and leases to total assets | 60.9927% | 5,772 |
| Net loans and leases to deposits | 80.2028% | 5,009 |
| Net loans and leases to core deposits | 88.3672% | 5,939 |
| Total domestic deposits to total assets | 76.0481% | 6,227 |
| Equity capital to assets | 14.0179% | 1,418 |
| Core capital (leverage) ratio | 17.4368% | 655 |
| Tier 1 risk-based capital ratio | 20.3687% | 1,556 |
| Total risk-based capital ratio | 21.6238% | 1,521 |
| Memoranda: |
| Average total assets | $84,376,800 | 5,543 |
| Average earning assets | $79,660,200 | 5,443 |
| Average equity | $18,465,200 | 3,485 |
| Average total loans | $47,179,000 | 5,817 |
