| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1555% | 1,751 |
| Cost of funding earning assets | 1.4254% | 2,160 |
| Net interest margin | 3.7301% | 1,700 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 2.6640% | 1,835 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.9197% | 2,488 |
| Return on assets (ROA) | 0.9111% | 2,480 |
| Pretax return on assets | 1.1834% | 2,185 |
| Return on Equity (ROE) | 8.5400% | 2,881 |
| Retained earnings to average equity (ytd only) | 6.8400% | 1,939 |
| Net charge-offs to loans | 0.0401% | 1,510 |
| Credit loss provision to net charge-offs | 343.4174% | 867 |
| Earnings coverage of net charge-offs (x) | 45.4342% | 1,353 |
| Efficiency ratio | 64.5834% | 2,535 |
| Assets per employee ($millions) | 7.6541% | 1,623 |
| Cash dividends to net income (ytd only)* | 19.9440% | 2,942 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1887% | 2,366 |
| Loan loss allowance to noncurrent loans | 473.8842% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.1889% | 2,283 |
| Noncurrent loans to loans | 0.2508% | 2,298 |
| Net loans and leases to total assets | 66.5500% | 2,194 |
| Net loans and leases to deposits | 76.8824% | 2,366 |
| Net loans and leases to core deposits | 88.9089% | 2,119 |
| Total domestic deposits to total assets | 86.5600% | 1,829 |
| Equity capital to assets | 10.7190% | 1,620 |
| Core capital (leverage) ratio | 10.1971% | 2,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9347% | 2,261 |
| Memoranda: |
| Average total assets | $1,293,329,800 | 808 |
| Average earning assets | $1,211,885,200 | 790 |
| Average equity | $137,908,800 | 718 |
| Average total loans | $889,375,800 | 799 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1151% | 1,603 |
| Cost of funding earning assets | 1.3324% | 2,054 |
| Net interest margin | 3.7828% | 1,636 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.6853% | 1,710 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.9673% | 2,460 |
| Return on assets (ROA) | 0.9691% | 2,448 |
| Pretax return on assets | 1.2483% | 2,173 |
| Return on Equity (ROE) | 9.1000% | 2,897 |
| Retained earnings to average equity (ytd only) | 7.3917% | 2,175 |
| Net charge-offs to loans | 0.0530% | 1,146 |
| Credit loss provision to net charge-offs | 214.7727% | 1,073 |
| Earnings coverage of net charge-offs (x) | 35.2415% | 1,515 |
| Efficiency ratio | 64.1244% | 2,481 |
| Assets per employee ($millions) | 7.7105% | 1,504 |
| Cash dividends to net income (ytd only)* | 18.7829% | 2,501 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1377% | 2,686 |
| Loan loss allowance to noncurrent loans | 558.4649% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.1610% | 2,508 |
| Noncurrent loans to loans | 0.2037% | 2,539 |
| Net loans and leases to total assets | 69.2300% | 1,913 |
| Net loans and leases to deposits | 85.4276% | 1,621 |
| Net loans and leases to core deposits | 93.6397% | 1,694 |
| Total domestic deposits to total assets | 81.0400% | 3,378 |
| Equity capital to assets | 10.7581% | 1,451 |
| Core capital (leverage) ratio | 10.0299% | 2,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5450% | 2,434 |
| Memoranda: |
| Average total assets | $1,281,793,500 | 816 |
| Average earning assets | $1,200,642,250 | 802 |
| Average equity | $136,491,500 | 724 |
| Average total loans | $886,184,500 | 805 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0399% | 1,489 |
| Cost of funding earning assets | 1.2044% | 1,976 |
| Net interest margin | 3.8355% | 1,554 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 2.6649% | 1,737 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.0047% | 2,400 |
| Return on assets (ROA) | 1.0068% | 2,393 |
| Pretax return on assets | 1.2975% | 2,086 |
| Return on Equity (ROE) | 9.4900% | 2,836 |
| Retained earnings to average equity (ytd only) | 7.9418% | 1,982 |
| Net charge-offs to loans | 0.0050% | 2,094 |
| Credit loss provision to net charge-offs | 2,754.5455% | 203 |
| Earnings coverage of net charge-offs (x) | 393.7273% | 367 |
| Efficiency ratio | 62.8699% | 2,611 |
| Assets per employee ($millions) | 7.7789% | 1,428 |
| Cash dividends to net income (ytd only)* | 16.2968% | 2,561 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1628% | 2,640 |
| Loan loss allowance to noncurrent loans | 481.7259% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.1850% | 2,270 |
| Noncurrent loans to loans | 0.2414% | 2,293 |
| Net loans and leases to total assets | 68.3000% | 1,935 |
| Net loans and leases to deposits | 83.7907% | 1,687 |
| Net loans and leases to core deposits | 92.7170% | 1,641 |
| Total domestic deposits to total assets | 81.5200% | 3,331 |
| Equity capital to assets | 10.5764% | 1,558 |
| Core capital (leverage) ratio | 9.7102% | 3,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1146% | 2,596 |
| Memoranda: |
| Average total assets | $1,279,841,667 | 806 |
| Average earning assets | $1,198,951,000 | 790 |
| Average equity | $135,813,000 | 722 |
| Average total loans | $881,000,667 | 793 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9553% | 1,316 |
| Cost of funding earning assets | 0.9768% | 2,126 |
| Net interest margin | 3.9785% | 1,306 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 2.6690% | 1,748 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.0902% | 2,262 |
| Return on assets (ROA) | 1.0920% | 2,221 |
| Pretax return on assets | 1.4028% | 1,872 |
| Return on Equity (ROE) | 10.2600% | 2,706 |
| Retained earnings to average equity (ytd only) | 9.2211% | 1,881 |
| Net charge-offs to loans | 0.0105% | 1,542 |
| Credit loss provision to net charge-offs | 1,486.9565% | 280 |
| Earnings coverage of net charge-offs (x) | 206.0435% | 496 |
| Efficiency ratio | 60.6902% | 2,860 |
| Assets per employee ($millions) | 8.0489% | 1,312 |
| Cash dividends to net income (ytd only)* | 10.0952% | 2,170 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1876% | 2,621 |
| Loan loss allowance to noncurrent loans | 730.0274% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.1316% | 2,595 |
| Noncurrent loans to loans | 0.1627% | 2,674 |
| Net loans and leases to total assets | 68.5300% | 1,782 |
| Net loans and leases to deposits | 84.2100% | 1,484 |
| Net loans and leases to core deposits | 93.1654% | 1,444 |
| Total domestic deposits to total assets | 81.3800% | 3,573 |
| Equity capital to assets | 10.5386% | 1,546 |
| Core capital (leverage) ratio | 9.6618% | 3,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7776% | 2,791 |
| Memoranda: |
| Average total assets | $1,269,998,000 | 832 |
| Average earning assets | $1,190,007,000 | 812 |
| Average equity | $135,211,500 | 727 |
| Average total loans | $872,717,000 | 815 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6973% | 519 |
| Cost of funding earning assets | 0.2376% | 3,435 |
| Net interest margin | 4.4597% | 316 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 3.0793% | 862 |
| Loan and lease loss provision to assets | 0.2200% | 456 |
| Net operating income to assets | 1.0390% | 2,424 |
| Return on assets (ROA) | 1.0381% | 2,366 |
| Pretax return on assets | 1.3124% | 2,047 |
| Return on Equity (ROE) | 9.8100% | 2,867 |
| Retained earnings to average equity (ytd only) | 9.3996% | 1,357 |
| Net charge-offs to loans | -0.0125% | 3,901 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.7765% | 2,528 |
| Assets per employee ($millions) | 7.5401% | 1,593 |
| Cash dividends to net income (ytd only)* | 4.2021% | 3,392 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6714% | 4,250 |
| Loan loss allowance to noncurrent loans | 432.6484% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.1056% | 2,787 |
| Noncurrent loans to loans | 0.1552% | 2,720 |
| Net loans and leases to total assets | 67.6000% | 1,874 |
| Net loans and leases to deposits | 79.1746% | 1,830 |
| Net loans and leases to core deposits | 83.9834% | 1,879 |
| Total domestic deposits to total assets | 85.3800% | 2,888 |
| Equity capital to assets | 10.7590% | 1,352 |
| Core capital (leverage) ratio | 9.7895% | 2,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4210% | 2,883 |
| Memoranda: |
| Average total assets | $1,031,563,600 | 957 |
| Average earning assets | $970,073,400 | 931 |
| Average equity | $109,142,800 | 891 |
| Average total loans | $671,226,400 | 941 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5174% | 485 |
| Cost of funding earning assets | 0.1620% | 3,713 |
| Net interest margin | 4.3554% | 302 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 3.1279% | 746 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | 0.9443% | 2,685 |
| Return on assets (ROA) | 0.9433% | 2,655 |
| Pretax return on assets | 1.1918% | 2,402 |
| Return on Equity (ROE) | 8.9600% | 3,043 |
| Retained earnings to average equity (ytd only) | 8.9634% | 1,660 |
| Net charge-offs to loans | -0.0189% | 3,976 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.5436% | 2,211 |
| Assets per employee ($millions) | 7.1946% | 1,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6009% | 4,380 |
| Loan loss allowance to noncurrent loans | 368.4615% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.1076% | 2,887 |
| Noncurrent loans to loans | 0.1631% | 2,787 |
| Net loans and leases to total assets | 65.5500% | 1,927 |
| Net loans and leases to deposits | 75.0185% | 1,957 |
| Net loans and leases to core deposits | 79.3008% | 1,952 |
| Total domestic deposits to total assets | 87.3800% | 2,629 |
| Equity capital to assets | 10.7667% | 1,264 |
| Core capital (leverage) ratio | 9.4374% | 3,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4514% | 2,959 |
| Memoranda: |
| Average total assets | $978,425,250 | 1,006 |
| Average earning assets | $921,708,000 | 983 |
| Average equity | $102,964,750 | 937 |
| Average total loans | $627,348,000 | 999 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0216% | 904 |
| Cost of funding earning assets | 0.1377% | 3,738 |
| Net interest margin | 3.8839% | 627 |
| Noninterest income to average assets | 0.4028% | 2,741 |
| Noninterest expense to average assets | 2.9153% | 968 |
| Loan and lease loss provision to assets | 0.1779% | 494 |
| Net operating income to assets | 0.7760% | 3,043 |
| Return on assets (ROA) | 0.7741% | 3,014 |
| Pretax return on assets | 0.9857% | 2,781 |
| Return on Equity (ROE) | 7.4328% | 3,177 |
| Retained earnings to average equity (ytd only) | 7.4328% | 1,839 |
| Net charge-offs to loans | -0.0119% | 3,643 |
| Credit loss provision to net charge-offs | -2,358.8235% | 3,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7391% | 2,136 |
| Assets per employee ($millions) | 7.2345% | 1,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5269% | 4,526 |
| Loan loss allowance to noncurrent loans | 61.7539% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 0.5845% | 959 |
| Noncurrent loans to loans | 0.8533% | 1,001 |
| Net loans and leases to total assets | 66.1959% | 1,666 |
| Net loans and leases to deposits | 75.2316% | 1,745 |
| Net loans and leases to core deposits | 77.9725% | 1,851 |
| Total domestic deposits to total assets | 87.9895% | 2,581 |
| Equity capital to assets | 10.8034% | 1,303 |
| Core capital (leverage) ratio | 10.5372% | 1,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0910% | 3,003 |
| Memoranda: |
| Average total assets | $901,669,333 | 1,075 |
| Average earning assets | $853,983,333 | 1,060 |
| Average equity | $93,907,667 | 1,011 |
| Average total loans | $570,764,000 | 1,060 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3808% | 2,144 |
| Cost of funding earning assets | 0.1251% | 3,834 |
| Net interest margin | 3.2556% | 1,699 |
| Noninterest income to average assets | 0.4516% | 2,387 |
| Noninterest expense to average assets | 2.9115% | 938 |
| Loan and lease loss provision to assets | 0.1622% | 482 |
| Net operating income to assets | 0.4122% | 3,926 |
| Return on assets (ROA) | 0.4122% | 3,892 |
| Pretax return on assets | 0.5053% | 3,866 |
| Return on Equity (ROE) | 4.0794% | 3,857 |
| Retained earnings to average equity (ytd only) | 4.0794% | 2,908 |
| Net charge-offs to loans | 0.0412% | 870 |
| Credit loss provision to net charge-offs | 648.9362% | 445 |
| Earnings coverage of net charge-offs (x) | 26.7021% | 1,182 |
| Efficiency ratio | 79.3729% | 1,194 |
| Assets per employee ($millions) | 6.9158% | 2,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7558% | 4,308 |
| Loan loss allowance to noncurrent loans | 74.1982% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 0.6697% | 867 |
| Noncurrent loans to loans | 1.0186% | 891 |
| Net loans and leases to total assets | 62.6919% | 1,780 |
| Net loans and leases to deposits | 73.5527% | 1,647 |
| Net loans and leases to core deposits | 75.1869% | 1,833 |
| Total domestic deposits to total assets | 85.2339% | 3,489 |
| Equity capital to assets | 9.7722% | 2,074 |
| Core capital (leverage) ratio | 9.0759% | 3,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7703% | 2,940 |
| Memoranda: |
| Average total assets | $752,043,500 | 1,257 |
| Average earning assets | $722,443,000 | 1,223 |
| Average equity | $75,991,500 | 1,243 |
| Average total loans | $456,560,500 | 1,243 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8864% | 1,650 |
| Cost of funding earning assets | 0.1834% | 3,615 |
| Net interest margin | 3.7030% | 1,205 |
| Noninterest income to average assets | 0.4634% | 2,754 |
| Noninterest expense to average assets | 3.2186% | 708 |
| Loan and lease loss provision to assets | 0.1619% | 730 |
| Net operating income to assets | 0.4960% | 4,097 |
| Return on assets (ROA) | 0.5143% | 4,103 |
| Pretax return on assets | 0.6550% | 4,021 |
| Return on Equity (ROE) | 4.8773% | 4,020 |
| Retained earnings to average equity (ytd only) | 4.8773% | 2,832 |
| Net charge-offs to loans | -0.0243% | 4,048 |
| Credit loss provision to net charge-offs | -1,075.9615% | 3,935 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9961% | 948 |
| Assets per employee ($millions) | 6.5783% | 2,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7800% | 4,299 |
| Loan loss allowance to noncurrent loans | 658.9844% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.1275% | 3,042 |
| Noncurrent loans to loans | 0.1184% | 3,342 |
| Net loans and leases to total assets | 57.7379% | 2,399 |
| Net loans and leases to deposits | 66.1175% | 2,502 |
| Net loans and leases to core deposits | 67.8359% | 2,664 |
| Total domestic deposits to total assets | 87.3262% | 2,373 |
| Equity capital to assets | 10.4450% | 2,227 |
| Core capital (leverage) ratio | 9.1337% | 3,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9457% | 2,648 |
| Memoranda: |
| Average total assets | $691,267,800 | 1,298 |
| Average earning assets | $662,523,200 | 1,272 |
| Average equity | $72,888,200 | 1,308 |
| Average total loans | $427,830,400 | 1,306 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9708% | 1,610 |
| Cost of funding earning assets | 0.2004% | 3,601 |
| Net interest margin | 3.7703% | 1,181 |
| Noninterest income to average assets | 0.4498% | 2,840 |
| Noninterest expense to average assets | 3.3244% | 583 |
| Loan and lease loss provision to assets | 0.1728% | 623 |
| Net operating income to assets | 0.4424% | 4,310 |
| Return on assets (ROA) | 0.4651% | 4,304 |
| Pretax return on assets | 0.5903% | 4,249 |
| Return on Equity (ROE) | 4.3997% | 4,243 |
| Retained earnings to average equity (ytd only) | 4.3997% | 3,448 |
| Net charge-offs to loans | -0.0091% | 3,636 |
| Credit loss provision to net charge-offs | -3,031.0345% | 4,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6677% | 766 |
| Assets per employee ($millions) | 6.2946% | 2,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7178% | 4,476 |
| Loan loss allowance to noncurrent loans | 1,065.8537% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.0980% | 3,447 |
| Noncurrent loans to loans | 0.0673% | 3,759 |
| Net loans and leases to total assets | 60.0152% | 2,262 |
| Net loans and leases to deposits | 70.1124% | 2,231 |
| Net loans and leases to core deposits | 71.7896% | 2,445 |
| Total domestic deposits to total assets | 85.5986% | 2,914 |
| Equity capital to assets | 10.7801% | 2,183 |
| Core capital (leverage) ratio | 9.2548% | 3,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1724% | 2,655 |
| Memoranda: |
| Average total assets | $678,248,750 | 1,326 |
| Average earning assets | $649,225,750 | 1,309 |
| Average equity | $71,699,750 | 1,343 |
| Average total loans | $426,646,750 | 1,332 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1023% | 1,346 |
| Cost of funding earning assets | 0.2171% | 3,577 |
| Net interest margin | 3.8851% | 998 |
| Noninterest income to average assets | 0.3977% | 3,116 |
| Noninterest expense to average assets | 3.3350% | 590 |
| Loan and lease loss provision to assets | 0.1506% | 786 |
| Net operating income to assets | 0.4928% | 4,236 |
| Return on assets (ROA) | 0.4963% | 4,271 |
| Pretax return on assets | 0.6326% | 4,185 |
| Return on Equity (ROE) | 4.7277% | 4,184 |
| Retained earnings to average equity (ytd only) | 4.7277% | 3,289 |
| Net charge-offs to loans | -0.0117% | 3,728 |
| Credit loss provision to net charge-offs | -2,016.0000% | 3,833 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8334% | 857 |
| Assets per employee ($millions) | 5.9805% | 2,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6381% | 4,614 |
| Loan loss allowance to noncurrent loans | 368.1319% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.1618% | 3,180 |
| Noncurrent loans to loans | 0.1733% | 3,349 |
| Net loans and leases to total assets | 59.1343% | 2,528 |
| Net loans and leases to deposits | 71.0147% | 2,303 |
| Net loans and leases to core deposits | 72.6858% | 2,549 |
| Total domestic deposits to total assets | 83.2704% | 3,649 |
| Equity capital to assets | 10.4043% | 2,483 |
| Core capital (leverage) ratio | 8.7609% | 3,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8378% | 2,762 |
| Memoranda: |
| Average total assets | $669,334,000 | 1,334 |
| Average earning assets | $640,181,667 | 1,313 |
| Average equity | $70,266,667 | 1,358 |
| Average total loans | $426,808,333 | 1,334 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2022% | 1,199 |
| Cost of funding earning assets | 0.2341% | 3,612 |
| Net interest margin | 3.9681% | 891 |
| Noninterest income to average assets | 0.3268% | 3,466 |
| Noninterest expense to average assets | 3.4339% | 510 |
| Loan and lease loss provision to assets | 0.0792% | 1,625 |
| Net operating income to assets | 0.4738% | 4,230 |
| Return on assets (ROA) | 0.4792% | 4,251 |
| Pretax return on assets | 0.6106% | 4,180 |
| Return on Equity (ROE) | 4.5422% | 4,178 |
| Retained earnings to average equity (ytd only) | 4.5422% | 3,355 |
| Net charge-offs to loans | -0.0102% | 3,672 |
| Credit loss provision to net charge-offs | -1,172.7273% | 3,402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1101% | 749 |
| Assets per employee ($millions) | 6.5597% | 2,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5189% | 4,761 |
| Loan loss allowance to noncurrent loans | 471.3992% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.1526% | 3,402 |
| Noncurrent loans to loans | 0.1101% | 3,759 |
| Net loans and leases to total assets | 63.1649% | 2,148 |
| Net loans and leases to deposits | 76.1398% | 1,893 |
| Net loans and leases to core deposits | 78.0620% | 2,180 |
| Total domestic deposits to total assets | 82.9592% | 3,695 |
| Equity capital to assets | 10.2332% | 2,495 |
| Core capital (leverage) ratio | 9.4418% | 3,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0306% | 2,651 |
| Memoranda: |
| Average total assets | $651,150,500 | 1,352 |
| Average earning assets | $621,954,500 | 1,332 |
| Average equity | $68,688,500 | 1,369 |
| Average total loans | $430,217,000 | 1,335 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4478% | 1,441 |
| Cost of funding earning assets | 0.3854% | 3,673 |
| Net interest margin | 4.0624% | 852 |
| Noninterest income to average assets | 0.3257% | 3,512 |
| Noninterest expense to average assets | 3.8282% | 445 |
| Loan and lease loss provision to assets | 0.2187% | 1,791 |
| Net operating income to assets | 0.0701% | 4,686 |
| Return on assets (ROA) | 0.3158% | 4,483 |
| Pretax return on assets | 0.4090% | 4,404 |
| Return on Equity (ROE) | 2.6140% | 4,458 |
| Retained earnings to average equity (ytd only) | 2.6140% | 3,543 |
| Net charge-offs to loans | -0.0114% | 4,286 |
| Credit loss provision to net charge-offs | -2,925.6410% | 4,254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1296% | 403 |
| Assets per employee ($millions) | 5.8930% | 2,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5134% | 4,783 |
| Loan loss allowance to noncurrent loans | 223.5967% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.2867% | 2,860 |
| Noncurrent loans to loans | 0.2296% | 3,381 |
| Net loans and leases to total assets | 68.6667% | 1,739 |
| Net loans and leases to deposits | 85.1558% | 1,330 |
| Net loans and leases to core deposits | 88.9264% | 1,615 |
| Total domestic deposits to total assets | 80.6365% | 3,938 |
| Equity capital to assets | 10.9103% | 2,331 |
| Core capital (leverage) ratio | 9.2958% | 3,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0329% | 2,913 |
| Memoranda: |
| Average total assets | $522,236,400 | 1,484 |
| Average earning assets | $490,960,800 | 1,474 |
| Average equity | $63,084,200 | 1,394 |
| Average total loans | $342,632,800 | 1,527 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5923% | 1,329 |
| Cost of funding earning assets | 0.4310% | 3,636 |
| Net interest margin | 4.1613% | 790 |
| Noninterest income to average assets | 0.3273% | 3,528 |
| Noninterest expense to average assets | 3.8209% | 451 |
| Loan and lease loss provision to assets | 0.2100% | 1,914 |
| Net operating income to assets | 0.1389% | 4,663 |
| Return on assets (ROA) | 0.3513% | 4,412 |
| Pretax return on assets | 0.4627% | 4,355 |
| Return on Equity (ROE) | 2.8250% | 4,424 |
| Retained earnings to average equity (ytd only) | 2.8250% | 3,591 |
| Net charge-offs to loans | -0.0115% | 4,262 |
| Credit loss provision to net charge-offs | -2,814.2857% | 4,144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1386% | 453 |
| Assets per employee ($millions) | 6.1474% | 2,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4406% | 4,859 |
| Loan loss allowance to noncurrent loans | 135.1740% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 0.3650% | 2,688 |
| Noncurrent loans to loans | 0.3259% | 3,118 |
| Net loans and leases to total assets | 65.6863% | 2,556 |
| Net loans and leases to deposits | 90.8933% | 1,171 |
| Net loans and leases to core deposits | 93.7683% | 1,662 |
| Total domestic deposits to total assets | 72.2675% | 4,678 |
| Equity capital to assets | 10.6087% | 2,698 |
| Core capital (leverage) ratio | 9.4296% | 3,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7687% | 2,698 |
| Memoranda: |
| Average total assets | $501,051,250 | 1,523 |
| Average earning assets | $469,295,250 | 1,516 |
| Average equity | $62,299,500 | 1,397 |
| Average total loans | $323,555,500 | 1,595 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1040% | 681 |
| Cost of funding earning assets | 0.5048% | 3,504 |
| Net interest margin | 4.5992% | 412 |
| Noninterest income to average assets | 0.3420% | 3,424 |
| Noninterest expense to average assets | 4.0470% | 390 |
| Loan and lease loss provision to assets | 0.3118% | 1,383 |
| Net operating income to assets | 0.1736% | 4,602 |
| Return on assets (ROA) | 0.5165% | 4,051 |
| Pretax return on assets | 0.6974% | 3,878 |
| Return on Equity (ROE) | 3.9004% | 4,135 |
| Retained earnings to average equity (ytd only) | 3.9004% | 2,956 |
| Net charge-offs to loans | -0.0122% | 4,261 |
| Credit loss provision to net charge-offs | -4,011.1111% | 4,061 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2956% | 625 |
| Assets per employee ($millions) | 5.6384% | 2,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4325% | 4,889 |
| Loan loss allowance to noncurrent loans | 83.7494% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 0.7458% | 1,659 |
| Noncurrent loans to loans | 0.5164% | 2,610 |
| Net loans and leases to total assets | 68.4924% | 2,267 |
| Net loans and leases to deposits | 96.6821% | 747 |
| Net loans and leases to core deposits | 102.5583% | 1,088 |
| Total domestic deposits to total assets | 70.8429% | 4,759 |
| Equity capital to assets | 11.1955% | 2,185 |
| Core capital (leverage) ratio | 10.4238% | 2,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8033% | 2,687 |
| Memoranda: |
| Average total assets | $463,155,000 | 1,620 |
| Average earning assets | $431,033,667 | 1,609 |
| Average equity | $61,327,333 | 1,400 |
| Average total loans | $296,211,667 | 1,683 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0045% | 958 |
| Cost of funding earning assets | 0.6394% | 3,229 |
| Net interest margin | 4.3651% | 672 |
| Noninterest income to average assets | 0.4273% | 2,923 |
| Noninterest expense to average assets | 4.4787% | 309 |
| Loan and lease loss provision to assets | 0.2751% | 1,134 |
| Net operating income to assets | -0.2667% | 4,876 |
| Return on assets (ROA) | 0.0049% | 4,738 |
| Pretax return on assets | 0.0413% | 4,709 |
| Return on Equity (ROE) | 0.0335% | 4,739 |
| Retained earnings to average equity (ytd only) | 0.0335% | 3,983 |
| Net charge-offs to loans | -0.0146% | 4,207 |
| Credit loss provision to net charge-offs | -3,111.1111% | 3,799 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7557% | 303 |
| Assets per employee ($millions) | 4.0847% | 3,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4834% | 4,888 |
| Loan loss allowance to noncurrent loans | 153.3496% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.7782% | 1,740 |
| Noncurrent loans to loans | 0.3152% | 3,367 |
| Net loans and leases to total assets | 61.6058% | 3,338 |
| Net loans and leases to deposits | 87.6048% | 1,795 |
| Net loans and leases to core deposits | 97.9558% | 1,630 |
| Total domestic deposits to total assets | 70.3224% | 4,842 |
| Equity capital to assets | 14.8296% | 795 |
| Core capital (leverage) ratio | 12.4150% | 1,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0293% | 2,680 |
| Memoranda: |
| Average total assets | $407,167,500 | 1,743 |
| Average earning assets | $375,342,000 | 1,763 |
| Average equity | $59,790,000 | 1,425 |
| Average total loans | $246,507,000 | 1,887 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8964% | 1,758 |
| Cost of funding earning assets | 0.6933% | 3,194 |
| Net interest margin | 4.2031% | 1,314 |
| Noninterest income to average assets | 0.4754% | 2,875 |
| Noninterest expense to average assets | 4.5694% | 286 |
| Loan and lease loss provision to assets | 0.1483% | 1,442 |
| Net operating income to assets | -0.3467% | 5,036 |
| Return on assets (ROA) | -0.3365% | 5,044 |
| Pretax return on assets | -0.3824% | 5,045 |
| Return on Equity (ROE) | -2.1728% | 5,037 |
| Retained earnings to average equity (ytd only) | -2.1728% | 4,877 |
| Net charge-offs to loans | -0.0029% | 4,260 |
| Credit loss provision to net charge-offs | -9,166.6667% | 4,701 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.8170% | 152 |
| Assets per employee ($millions) | 3.9759% | 3,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4175% | 4,975 |
| Loan loss allowance to noncurrent loans | 70.9795% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 0.9769% | 1,285 |
| Noncurrent loans to loans | 0.5882% | 2,420 |
| Net loans and leases to total assets | 58.8382% | 3,684 |
| Net loans and leases to deposits | 76.4132% | 3,139 |
| Net loans and leases to core deposits | 90.1375% | 2,412 |
| Total domestic deposits to total assets | 77.0001% | 4,489 |
| Equity capital to assets | 14.5291% | 923 |
| Core capital (leverage) ratio | 12.5171% | 1,484 |
| Tier 1 risk-based capital ratio | 12.7452% | 3,921 |
| Total risk-based capital ratio | 13.0227% | 4,360 |
| Memoranda: |
| Average total assets | $370,833,000 | 1,840 |
| Average earning assets | $339,538,600 | 1,849 |
| Average equity | $57,437,200 | 1,414 |
| Average total loans | $208,370,200 | 2,100 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9224% | 1,757 |
| Cost of funding earning assets | 0.7037% | 3,206 |
| Net interest margin | 4.2187% | 1,332 |
| Noninterest income to average assets | 0.5054% | 2,691 |
| Noninterest expense to average assets | 4.5947% | 276 |
| Loan and lease loss provision to assets | 0.1022% | 1,878 |
| Net operating income to assets | -0.2683% | 5,114 |
| Return on assets (ROA) | -0.2556% | 5,119 |
| Pretax return on assets | -0.3162% | 5,118 |
| Return on Equity (ROE) | -1.6232% | 5,109 |
| Retained earnings to average equity (ytd only) | -1.6232% | 4,901 |
| Net charge-offs to loans | -0.0125% | 4,451 |
| Credit loss provision to net charge-offs | -1,473.6842% | 4,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.3597% | 149 |
| Assets per employee ($millions) | 3.7245% | 4,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3330% | 5,100 |
| Loan loss allowance to noncurrent loans | 46.0594% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 1.0649% | 1,242 |
| Noncurrent loans to loans | 0.7229% | 2,158 |
| Net loans and leases to total assets | 58.4735% | 3,825 |
| Net loans and leases to deposits | 70.0309% | 3,771 |
| Net loans and leases to core deposits | 81.8809% | 3,258 |
| Total domestic deposits to total assets | 83.4968% | 2,995 |
| Equity capital to assets | 15.9260% | 644 |
| Core capital (leverage) ratio | 13.0408% | 1,321 |
| Tier 1 risk-based capital ratio | 14.4556% | 3,099 |
| Total risk-based capital ratio | 14.6871% | 3,513 |
| Memoranda: |
| Average total assets | $365,138,750 | 1,880 |
| Average earning assets | $334,057,750 | 1,882 |
| Average equity | $57,499,500 | 1,410 |
| Average total loans | $202,321,750 | 2,165 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8334% | 1,958 |
| Cost of funding earning assets | 0.6981% | 3,178 |
| Net interest margin | 4.1353% | 1,505 |
| Noninterest income to average assets | 0.5252% | 2,537 |
| Noninterest expense to average assets | 4.4739% | 316 |
| Loan and lease loss provision to assets | 0.1150% | 1,630 |
| Net operating income to assets | -0.2270% | 5,154 |
| Return on assets (ROA) | -0.2081% | 5,155 |
| Pretax return on assets | -0.2607% | 5,159 |
| Return on Equity (ROE) | -1.3266% | 5,148 |
| Retained earnings to average equity (ytd only) | -1.3266% | 4,861 |
| Net charge-offs to loans | -0.0091% | 4,291 |
| Credit loss provision to net charge-offs | -2,333.3333% | 4,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9695% | 165 |
| Assets per employee ($millions) | 3.9287% | 3,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3063% | 5,166 |
| Loan loss allowance to noncurrent loans | 42.0040% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 1.0738% | 1,270 |
| Noncurrent loans to loans | 0.7292% | 2,166 |
| Net loans and leases to total assets | 57.0073% | 4,010 |
| Net loans and leases to deposits | 69.5285% | 3,876 |
| Net loans and leases to core deposits | 80.6199% | 3,372 |
| Total domestic deposits to total assets | 81.9913% | 3,511 |
| Equity capital to assets | 16.0847% | 606 |
| Core capital (leverage) ratio | 12.9864% | 1,301 |
| Tier 1 risk-based capital ratio | 15.1970% | 2,755 |
| Total risk-based capital ratio | 15.4138% | 3,152 |
| Memoranda: |
| Average total assets | $365,184,670 | 1,886 |
| Average earning assets | $333,761,330 | 1,894 |
| Average equity | $57,289,330 | 1,414 |
| Average total loans | $198,381,670 | 2,198 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8890% | 1,621 |
| Cost of funding earning assets | 0.6685% | 3,212 |
| Net interest margin | 4.2204% | 1,262 |
| Noninterest income to average assets | 0.5449% | 2,312 |
| Noninterest expense to average assets | 4.6358% | 260 |
| Loan and lease loss provision to assets | 0.1155% | 1,526 |
| Net operating income to assets | -0.2615% | 5,218 |
| Return on assets (ROA) | -0.2245% | 5,208 |
| Pretax return on assets | -0.3138% | 5,218 |
| Return on Equity (ROE) | -1.4490% | 5,203 |
| Retained earnings to average equity (ytd only) | -1.4490% | 4,701 |
| Net charge-offs to loans | -0.0165% | 4,417 |
| Credit loss provision to net charge-offs | -1,325.0000% | 3,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.7446% | 163 |
| Assets per employee ($millions) | 4.2912% | 3,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.2684% | 5,261 |
| Loan loss allowance to noncurrent loans | 32.6935% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 1.1215% | 1,227 |
| Noncurrent loans to loans | 0.8209% | 2,003 |
| Net loans and leases to total assets | 51.9604% | 4,338 |
| Net loans and leases to deposits | 62.9480% | 4,245 |
| Net loans and leases to core deposits | 73.3140% | 3,838 |
| Total domestic deposits to total assets | 82.5450% | 3,563 |
| Equity capital to assets | 15.1456% | 727 |
| Core capital (leverage) ratio | 12.9548% | 1,294 |
| Tier 1 risk-based capital ratio | 16.0686% | 2,408 |
| Total risk-based capital ratio | 16.2621% | 2,805 |
| Memoranda: |
| Average total assets | $367,059,000 | 1,891 |
| Average earning assets | $334,467,500 | 1,905 |
| Average equity | $56,866,000 | 1,419 |
| Average total loans | $194,233,500 | 2,255 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.4861% | 5,343 |
| Cost of funding earning assets | 0.2372% | 4,865 |
| Net interest margin | 2.2489% | 5,295 |
| Noninterest income to average assets | 0.2715% | 4,290 |
| Noninterest expense to average assets | 2.2733% | 4,183 |
| Loan and lease loss provision to assets | 0.1131% | 1,949 |
| Net operating income to assets | -0.0109% | 5,235 |
| Return on assets (ROA) | -0.0109% | 5,234 |
| Pretax return on assets | -0.0224% | 5,231 |
| Return on Equity (ROE) | -0.0736% | 5,234 |
| Retained earnings to average equity (ytd only) | -0.0736% | 4,995 |
| Net charge-offs to loans | -0.0245% | 4,753 |
| Credit loss provision to net charge-offs | -935.0000% | 4,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1632% | 211 |
| Assets per employee ($millions) | 3.9888% | 3,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.2161% | 5,318 |
| Loan loss allowance to noncurrent loans | 11.6390% | 4,799 |
| Noncurrent assets plus other real estate owned to assets | 1.7343% | 612 |
| Noncurrent loans to loans | 1.8564% | 751 |
| Net loans and leases to total assets | 53.8569% | 4,288 |
| Net loans and leases to deposits | 70.0901% | 3,818 |
| Net loans and leases to core deposits | 74.7123% | 3,803 |
| Total domestic deposits to total assets | 76.8394% | 4,650 |
| Equity capital to assets | 15.5060% | 616 |
| Core capital (leverage) ratio | 13.3716% | 1,120 |
| Tier 1 risk-based capital ratio | 15.0039% | 2,831 |
| Total risk-based capital ratio | 15.1513% | 3,262 |
| Memoranda: |
| Average total assets | $330,754,000 | 1,987 |
| Average earning assets | $307,748,800 | 1,981 |
| Average equity | $48,935,600 | 1,539 |
| Average total loans | $162,956,000 | 2,496 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.7368% | 5,453 |
| Cost of funding earning assets | 0.1433% | 5,239 |
| Net interest margin | 1.5935% | 5,445 |
| Noninterest income to average assets | 0.1708% | 4,934 |
| Noninterest expense to average assets | 1.4688% | 5,298 |
| Loan and lease loss provision to assets | 0.0493% | 3,006 |
| Net operating income to assets | 0.0920% | 5,261 |
| Return on assets (ROA) | 0.0920% | 5,254 |
| Pretax return on assets | 0.1458% | 5,233 |
| Return on Equity (ROE) | 0.6300% | 5,257 |
| Retained earnings to average equity (ytd only) | 0.6300% | 4,926 |
| Net charge-offs to loans | -0.0240% | 4,685 |
| Credit loss provision to net charge-offs | -428.5714% | 4,461 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2774% | 392 |
| Assets per employee ($millions) | 4.1543% | 3,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0888% | 5,420 |
| Loan loss allowance to noncurrent loans | 4.0957% | 4,943 |
| Noncurrent assets plus other real estate owned to assets | 1.8962% | 587 |
| Noncurrent loans to loans | 2.1687% | 657 |
| Net loans and leases to total assets | 51.0688% | 4,525 |
| Net loans and leases to deposits | 60.9239% | 4,503 |
| Net loans and leases to core deposits | 64.0726% | 4,509 |
| Total domestic deposits to total assets | 83.8239% | 3,004 |
| Equity capital to assets | 15.3763% | 643 |
| Core capital (leverage) ratio | 13.8114% | 994 |
| Tier 1 risk-based capital ratio | 18.2091% | 1,741 |
| Total risk-based capital ratio | 18.2758% | 2,044 |
| Memoranda: |
| Average total assets | $324,691,500 | 2,028 |
| Average earning assets | $304,222,500 | 2,010 |
| Average equity | $47,407,750 | 1,589 |
| Average total loans | $155,793,000 | 2,584 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.2078% | 5,538 |
| Cost of funding earning assets | 0.0204% | 5,516 |
| Net interest margin | 0.1874% | 5,537 |
| Noninterest income to average assets | 0.0247% | 5,452 |
| Noninterest expense to average assets | 0.1620% | 5,536 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.0309% | 5,326 |
| Return on assets (ROA) | 0.0309% | 5,321 |
| Pretax return on assets | 0.0389% | 5,319 |
| Return on Equity (ROE) | 0.2157% | 5,324 |
| Retained earnings to average equity (ytd only) | -1.9413% | 5,143 |
| Net charge-offs to loans | -0.0343% | 4,788 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6154% | 948 |
| Assets per employee ($millions) | 4.0383% | 3,834 |
| Cash dividends to net income (ytd only)* | 1,000.0000% | 6 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0170% | 5,491 |
| Loan loss allowance to noncurrent loans | 7.4499% | 4,958 |
| Noncurrent assets plus other real estate owned to assets | 0.9052% | 1,661 |
| Noncurrent loans to loans | 0.2281% | 3,900 |
| Net loans and leases to total assets | 45.6393% | 4,842 |
| Net loans and leases to deposits | 54.2637% | 4,836 |
| Net loans and leases to core deposits | 57.5094% | 4,812 |
| Total domestic deposits to total assets | 84.1066% | 3,025 |
| Equity capital to assets | 15.1753% | 657 |
| Core capital (leverage) ratio | 14.3426% | 817 |
| Tier 1 risk-based capital ratio | 19.6261% | 1,397 |
| Total risk-based capital ratio | 19.6437% | 1,663 |
| Memoranda: |
| Average total assets | $323,526,330 | 2,044 |
| Average earning assets | $304,136,000 | 2,023 |
| Average equity | $46,359,670 | 1,621 |
| Average total loans | $151,807,330 | 2,647 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0680% | 3,343 |
| Cost of funding earning assets | 0.3474% | 4,013 |
| Net interest margin | 3.7206% | 2,724 |
| Noninterest income to average assets | 0.6308% | 2,125 |
| Noninterest expense to average assets | 2.6956% | 3,059 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1231% | 2,320 |
| Return on assets (ROA) | 1.1231% | 2,336 |
| Pretax return on assets | 1.4542% | 1,821 |
| Return on Equity (ROE) | 8.0893% | 3,336 |
| Retained earnings to average equity (ytd only) | 3.5550% | 3,784 |
| Net charge-offs to loans | -0.0423% | 4,893 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9575% | 3,323 |
| Assets per employee ($millions) | 4.5789% | 3,030 |
| Cash dividends to net income (ytd only)* | 56.0538% | 1,365 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0081% | 537 |
| Loan loss allowance to noncurrent loans | 1,974.6753% | 342 |
| Noncurrent assets plus other real estate owned to assets | 1.2436% | 1,207 |
| Noncurrent loans to loans | 0.1017% | 4,516 |
| Net loans and leases to total assets | 46.9675% | 4,755 |
| Net loans and leases to deposits | 55.0581% | 4,743 |
| Net loans and leases to core deposits | 58.7959% | 4,711 |
| Total domestic deposits to total assets | 85.3054% | 2,825 |
| Equity capital to assets | 14.0217% | 887 |
| Core capital (leverage) ratio | 14.0287% | 868 |
| Tier 1 risk-based capital ratio | 21.8080% | 1,083 |
| Total risk-based capital ratio | 23.0609% | 1,058 |
| Memoranda: |
| Average total assets | $317,701,500 | 2,085 |
| Average earning assets | $300,491,500 | 2,058 |
| Average equity | $44,107,500 | 1,706 |
| Average total loans | $151,212,000 | 2,671 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0544% | 3,230 |
| Cost of funding earning assets | 0.3120% | 4,022 |
| Net interest margin | 3.7424% | 2,631 |
| Noninterest income to average assets | 0.6857% | 2,028 |
| Noninterest expense to average assets | 2.8567% | 2,588 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7618% | 3,338 |
| Return on assets (ROA) | 0.7618% | 3,378 |
| Pretax return on assets | 1.3547% | 2,152 |
| Return on Equity (ROE) | 5.5173% | 3,953 |
| Retained earnings to average equity (ytd only) | 0.9443% | 4,639 |
| Net charge-offs to loans | 0.0498% | 2,794 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 57.2133% | 987 |
| Efficiency ratio | 67.8336% | 2,922 |
| Assets per employee ($millions) | 4.6298% | 2,982 |
| Cash dividends to net income (ytd only)* | 82.8844% | 738 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0034% | 538 |
| Loan loss allowance to noncurrent loans | 142.6214% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 1.5066% | 909 |
| Noncurrent loans to loans | 1.4047% | 1,221 |
| Net loans and leases to total assets | 46.3180% | 4,873 |
| Net loans and leases to deposits | 54.0675% | 4,893 |
| Net loans and leases to core deposits | 58.0719% | 4,847 |
| Total domestic deposits to total assets | 85.6669% | 2,590 |
| Equity capital to assets | 13.7465% | 974 |
| Core capital (leverage) ratio | 13.7160% | 908 |
| Tier 1 risk-based capital ratio | 22.0317% | 1,011 |
| Total risk-based capital ratio | 23.2851% | 992 |
| Memoranda: |
| Average total assets | $316,760,000 | 2,082 |
| Average earning assets | $298,414,200 | 2,048 |
| Average equity | $43,735,200 | 1,699 |
| Average total loans | $150,636,400 | 2,647 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0618% | 3,131 |
| Cost of funding earning assets | 0.3071% | 4,063 |
| Net interest margin | 3.7547% | 2,561 |
| Noninterest income to average assets | 0.7226% | 1,891 |
| Noninterest expense to average assets | 2.7464% | 2,908 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9554% | 2,741 |
| Return on assets (ROA) | 0.9554% | 2,806 |
| Pretax return on assets | 1.5093% | 1,742 |
| Return on Equity (ROE) | 6.9121% | 3,710 |
| Retained earnings to average equity (ytd only) | 0.8087% | 5,033 |
| Net charge-offs to loans | 0.1204% | 1,586 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 26.3087% | 1,686 |
| Efficiency ratio | 64.5356% | 3,445 |
| Assets per employee ($millions) | 4.7176% | 2,810 |
| Cash dividends to net income (ytd only)* | 88.3004% | 466 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9459% | 637 |
| Loan loss allowance to noncurrent loans | 53.3573% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 2.6836% | 370 |
| Noncurrent loans to loans | 3.6469% | 292 |
| Net loans and leases to total assets | 46.5583% | 4,906 |
| Net loans and leases to deposits | 54.3377% | 4,947 |
| Net loans and leases to core deposits | 57.1071% | 4,945 |
| Total domestic deposits to total assets | 85.6833% | 2,434 |
| Equity capital to assets | 13.6450% | 1,099 |
| Core capital (leverage) ratio | 13.8151% | 940 |
| Tier 1 risk-based capital ratio | 22.2663% | 1,019 |
| Total risk-based capital ratio | 23.5194% | 995 |
| Memoranda: |
| Average total assets | $316,085,750 | 2,093 |
| Average earning assets | $297,432,750 | 2,066 |
| Average equity | $43,690,500 | 1,718 |
| Average total loans | $150,547,750 | 2,666 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8612% | 3,678 |
| Cost of funding earning assets | 0.3018% | 4,064 |
| Net interest margin | 3.5594% | 3,188 |
| Noninterest income to average assets | 1.2177% | 695 |
| Noninterest expense to average assets | 2.7271% | 2,988 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1586% | 1,746 |
| Return on assets (ROA) | 1.1586% | 1,789 |
| Pretax return on assets | 1.8412% | 762 |
| Return on Equity (ROE) | 8.3167% | 2,866 |
| Retained earnings to average equity (ytd only) | -0.8075% | 5,208 |
| Net charge-offs to loans | 0.0999% | 1,623 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 38.6267% | 1,279 |
| Efficiency ratio | 59.6967% | 4,362 |
| Assets per employee ($millions) | 4.3697% | 3,313 |
| Cash dividends to net income (ytd only)* | 109.7093% | 379 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9921% | 611 |
| Loan loss allowance to noncurrent loans | 77.2669% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 2.3098% | 506 |
| Noncurrent loans to loans | 2.5783% | 559 |
| Net loans and leases to total assets | 47.9689% | 4,824 |
| Net loans and leases to deposits | 56.1870% | 4,846 |
| Net loans and leases to core deposits | 59.0374% | 4,873 |
| Total domestic deposits to total assets | 85.3736% | 2,660 |
| Equity capital to assets | 13.9682% | 977 |
| Core capital (leverage) ratio | 13.9166% | 887 |
| Tier 1 risk-based capital ratio | 22.6463% | 979 |
| Total risk-based capital ratio | 23.9003% | 965 |
| Memoranda: |
| Average total assets | $314,691,000 | 2,106 |
| Average earning assets | $296,226,330 | 2,081 |
| Average equity | $43,839,670 | 1,708 |
| Average total loans | $150,129,000 | 2,677 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9258% | 3,301 |
| Cost of funding earning assets | 0.2926% | 4,120 |
| Net interest margin | 3.6332% | 2,763 |
| Noninterest income to average assets | 1.6736% | 404 |
| Noninterest expense to average assets | 2.7932% | 2,818 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4364% | 922 |
| Return on assets (ROA) | 1.4364% | 947 |
| Pretax return on assets | 2.2972% | 304 |
| Return on Equity (ROE) | 10.3240% | 1,813 |
| Retained earnings to average equity (ytd only) | 10.3240% | 740 |
| Net charge-offs to loans | 0.0777% | 1,557 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 62.7586% | 780 |
| Efficiency ratio | 54.8723% | 5,052 |
| Assets per employee ($millions) | 4.4890% | 3,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1131% | 536 |
| Loan loss allowance to noncurrent loans | 76.6409% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 2.3416% | 517 |
| Noncurrent loans to loans | 2.7571% | 529 |
| Net loans and leases to total assets | 44.6354% | 5,005 |
| Net loans and leases to deposits | 52.4082% | 5,018 |
| Net loans and leases to core deposits | 55.1271% | 5,018 |
| Total domestic deposits to total assets | 85.1687% | 3,016 |
| Equity capital to assets | 14.0118% | 902 |
| Core capital (leverage) ratio | 14.1970% | 789 |
| Tier 1 risk-based capital ratio | 21.2861% | 1,177 |
| Total risk-based capital ratio | 22.5387% | 1,163 |
| Memoranda: |
| Average total assets | $316,913,000 | 2,111 |
| Average earning assets | $298,029,000 | 2,082 |
| Average equity | $44,091,500 | 1,708 |
| Average total loans | $149,270,000 | 2,708 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1424% | 2,688 |
| Cost of funding earning assets | 0.2868% | 4,202 |
| Net interest margin | 3.8556% | 2,113 |
| Noninterest income to average assets | 0.6731% | 2,299 |
| Noninterest expense to average assets | 2.9289% | 2,566 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8656% | 2,999 |
| Return on assets (ROA) | 0.8656% | 3,112 |
| Pretax return on assets | 1.3317% | 2,173 |
| Return on Equity (ROE) | 6.2466% | 3,870 |
| Retained earnings to average equity (ytd only) | 6.2466% | 1,583 |
| Net charge-offs to loans | 0.4102% | 646 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 6.5993% | 3,145 |
| Efficiency ratio | 68.7442% | 3,117 |
| Assets per employee ($millions) | 4.3765% | 3,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0234% | 628 |
| Loan loss allowance to noncurrent loans | 208.8949% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 1.6674% | 935 |
| Noncurrent loans to loans | 0.9686% | 2,151 |
| Net loans and leases to total assets | 47.6370% | 4,920 |
| Net loans and leases to deposits | 55.4930% | 4,942 |
| Net loans and leases to core deposits | 59.1323% | 4,898 |
| Total domestic deposits to total assets | 85.8433% | 2,656 |
| Equity capital to assets | 13.8127% | 952 |
| Core capital (leverage) ratio | 14.1875% | 766 |
| Tier 1 risk-based capital ratio | 22.1312% | 1,059 |
| Total risk-based capital ratio | 23.4009% | 1,030 |
| Memoranda: |
| Average total assets | $304,283,200 | 2,144 |
| Average earning assets | $283,118,000 | 2,136 |
| Average equity | $42,167,200 | 1,755 |
| Average total loans | $149,679,400 | 2,648 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1582% | 2,651 |
| Cost of funding earning assets | 0.2854% | 4,247 |
| Net interest margin | 3.8728% | 2,076 |
| Noninterest income to average assets | 0.7105% | 2,123 |
| Noninterest expense to average assets | 2.9935% | 2,336 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8568% | 3,114 |
| Return on assets (ROA) | 0.8568% | 3,241 |
| Pretax return on assets | 1.3162% | 2,364 |
| Return on Equity (ROE) | 6.1776% | 3,985 |
| Retained earnings to average equity (ytd only) | 6.1776% | 2,073 |
| Net charge-offs to loans | 0.5296% | 400 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 5.0372% | 3,184 |
| Efficiency ratio | 69.4604% | 2,976 |
| Assets per employee ($millions) | 4.1910% | 3,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0191% | 705 |
| Loan loss allowance to noncurrent loans | 204.3848% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 1.8817% | 859 |
| Noncurrent loans to loans | 0.9879% | 2,267 |
| Net loans and leases to total assets | 50.2237% | 4,806 |
| Net loans and leases to deposits | 58.9122% | 4,828 |
| Net loans and leases to core deposits | 62.1001% | 4,824 |
| Total domestic deposits to total assets | 85.2518% | 2,694 |
| Equity capital to assets | 14.1954% | 969 |
| Core capital (leverage) ratio | 14.1924% | 796 |
| Tier 1 risk-based capital ratio | 22.2849% | 1,097 |
| Total risk-based capital ratio | 23.5394% | 1,079 |
| Memoranda: |
| Average total assets | $301,577,000 | 2,167 |
| Average earning assets | $280,274,250 | 2,159 |
| Average equity | $41,827,750 | 1,779 |
| Average total loans | $148,797,250 | 2,659 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0117% | 3,201 |
| Cost of funding earning assets | 0.2872% | 4,274 |
| Net interest margin | 3.7245% | 2,596 |
| Noninterest income to average assets | 0.6938% | 2,170 |
| Noninterest expense to average assets | 2.9471% | 2,526 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7893% | 3,361 |
| Return on assets (ROA) | 0.7893% | 3,506 |
| Pretax return on assets | 1.2052% | 2,765 |
| Return on Equity (ROE) | 5.7360% | 4,173 |
| Retained earnings to average equity (ytd only) | 5.7360% | 2,274 |
| Net charge-offs to loans | 0.4522% | 499 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 5.4729% | 2,850 |
| Efficiency ratio | 70.9744% | 2,826 |
| Assets per employee ($millions) | 4.0691% | 3,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3184% | 451 |
| Loan loss allowance to noncurrent loans | 224.7176% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 2.3397% | 630 |
| Noncurrent loans to loans | 1.0317% | 2,219 |
| Net loans and leases to total assets | 47.3229% | 5,048 |
| Net loans and leases to deposits | 55.3334% | 5,061 |
| Net loans and leases to core deposits | 58.7166% | 5,041 |
| Total domestic deposits to total assets | 85.5232% | 2,636 |
| Equity capital to assets | 13.9789% | 1,035 |
| Core capital (leverage) ratio | 13.9344% | 839 |
| Tier 1 risk-based capital ratio | 23.2994% | 979 |
| Total risk-based capital ratio | 24.5567% | 960 |
| Memoranda: |
| Average total assets | $301,518,670 | 2,174 |
| Average earning assets | $279,980,670 | 2,171 |
| Average equity | $41,492,000 | 1,787 |
| Average total loans | $146,838,330 | 2,690 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0426% | 3,059 |
| Cost of funding earning assets | 0.2817% | 4,367 |
| Net interest margin | 3.7609% | 2,434 |
| Noninterest income to average assets | 0.6130% | 2,456 |
| Noninterest expense to average assets | 2.9509% | 2,538 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7453% | 3,509 |
| Return on assets (ROA) | 0.7453% | 3,614 |
| Pretax return on assets | 1.1438% | 2,919 |
| Return on Equity (ROE) | 5.4671% | 4,248 |
| Retained earnings to average equity (ytd only) | 5.4671% | 2,676 |
| Net charge-offs to loans | 0.7358% | 284 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 3.1882% | 2,576 |
| Efficiency ratio | 72.0660% | 2,794 |
| Assets per employee ($millions) | 4.0507% | 3,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4020% | 440 |
| Loan loss allowance to noncurrent loans | 152.4126% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 3.1675% | 386 |
| Noncurrent loans to loans | 1.5760% | 1,478 |
| Net loans and leases to total assets | 46.0477% | 5,109 |
| Net loans and leases to deposits | 53.7168% | 5,118 |
| Net loans and leases to core deposits | 57.9365% | 5,053 |
| Total domestic deposits to total assets | 85.7232% | 2,800 |
| Equity capital to assets | 13.6508% | 1,114 |
| Core capital (leverage) ratio | 13.7197% | 898 |
| Tier 1 risk-based capital ratio | 22.2330% | 1,128 |
| Total risk-based capital ratio | 23.4900% | 1,111 |
| Memoranda: |
| Average total assets | $302,143,000 | 2,169 |
| Average earning assets | $279,721,000 | 2,183 |
| Average equity | $41,192,000 | 1,793 |
| Average total loans | $147,319,500 | 2,690 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3560% | 2,040 |
| Cost of funding earning assets | 0.2641% | 4,653 |
| Net interest margin | 4.0919% | 1,429 |
| Noninterest income to average assets | 0.8742% | 1,515 |
| Noninterest expense to average assets | 3.3763% | 1,534 |
| Loan and lease loss provision to assets | 0.1848% | 1,213 |
| Net operating income to assets | 0.7148% | 3,738 |
| Return on assets (ROA) | 0.7148% | 3,847 |
| Pretax return on assets | 1.0524% | 3,261 |
| Return on Equity (ROE) | 5.4635% | 4,304 |
| Retained earnings to average equity (ytd only) | 5.4635% | 2,097 |
| Net charge-offs to loans | 0.2973% | 1,019 |
| Credit loss provision to net charge-offs | 119.7002% | 2,154 |
| Earnings coverage of net charge-offs (x) | 8.0128% | 3,008 |
| Efficiency ratio | 73.1833% | 2,718 |
| Assets per employee ($millions) | 4.0065% | 3,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4547% | 423 |
| Loan loss allowance to noncurrent loans | 113.6823% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 3.4161% | 353 |
| Noncurrent loans to loans | 2.1592% | 933 |
| Net loans and leases to total assets | 49.1168% | 4,936 |
| Net loans and leases to deposits | 57.2616% | 4,963 |
| Net loans and leases to core deposits | 62.7768% | 4,815 |
| Total domestic deposits to total assets | 85.7760% | 2,746 |
| Equity capital to assets | 13.6156% | 1,080 |
| Core capital (leverage) ratio | 13.7016% | 909 |
| Tier 1 risk-based capital ratio | 21.1221% | 1,272 |
| Total risk-based capital ratio | 22.3803% | 1,253 |
| Memoranda: |
| Average total assets | $302,457,800 | 2,135 |
| Average earning assets | $276,401,800 | 2,158 |
| Average equity | $39,571,400 | 1,816 |
| Average total loans | $157,095,000 | 2,502 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3968% | 1,926 |
| Cost of funding earning assets | 0.2624% | 4,756 |
| Net interest margin | 4.1344% | 1,315 |
| Noninterest income to average assets | 0.6637% | 2,415 |
| Noninterest expense to average assets | 3.2233% | 1,906 |
| Loan and lease loss provision to assets | 0.2460% | 702 |
| Net operating income to assets | 0.6558% | 4,099 |
| Return on assets (ROA) | 0.6558% | 4,213 |
| Pretax return on assets | 0.9599% | 3,778 |
| Return on Equity (ROE) | 5.0633% | 4,597 |
| Retained earnings to average equity (ytd only) | 5.0633% | 2,867 |
| Net charge-offs to loans | 0.3902% | 660 |
| Credit loss provision to net charge-offs | 120.4741% | 1,977 |
| Earnings coverage of net charge-offs (x) | 5.9052% | 3,134 |
| Efficiency ratio | 72.7742% | 2,752 |
| Assets per employee ($millions) | 3.9750% | 3,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3841% | 512 |
| Loan loss allowance to noncurrent loans | 71.5633% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 4.8923% | 205 |
| Noncurrent loans to loans | 3.3315% | 490 |
| Net loans and leases to total assets | 51.0492% | 4,851 |
| Net loans and leases to deposits | 59.5872% | 4,884 |
| Net loans and leases to core deposits | 64.4256% | 4,795 |
| Total domestic deposits to total assets | 85.6714% | 2,705 |
| Equity capital to assets | 13.5001% | 1,228 |
| Core capital (leverage) ratio | 13.4805% | 1,023 |
| Tier 1 risk-based capital ratio | 20.8492% | 1,372 |
| Total risk-based capital ratio | 22.1076% | 1,343 |
| Memoranda: |
| Average total assets | $302,950,750 | 2,145 |
| Average earning assets | $275,920,500 | 2,177 |
| Average equity | $39,236,000 | 1,847 |
| Average total loans | $158,543,000 | 2,498 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3924% | 1,875 |
| Cost of funding earning assets | 0.2638% | 4,786 |
| Net interest margin | 4.1286% | 1,278 |
| Noninterest income to average assets | 0.7690% | 1,920 |
| Noninterest expense to average assets | 3.2834% | 1,750 |
| Loan and lease loss provision to assets | 0.3671% | 348 |
| Net operating income to assets | 0.5969% | 4,359 |
| Return on assets (ROA) | 0.5969% | 4,453 |
| Pretax return on assets | 0.8701% | 4,068 |
| Return on Equity (ROE) | 4.6736% | 4,758 |
| Retained earnings to average equity (ytd only) | 4.6736% | 3,067 |
| Net charge-offs to loans | 0.5294% | 464 |
| Credit loss provision to net charge-offs | 132.4645% | 1,670 |
| Earnings coverage of net charge-offs (x) | 4.4645% | 3,038 |
| Efficiency ratio | 72.6322% | 2,907 |
| Assets per employee ($millions) | 4.0109% | 3,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3423% | 604 |
| Loan loss allowance to noncurrent loans | 73.3034% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 4.9904% | 221 |
| Noncurrent loans to loans | 3.1953% | 590 |
| Net loans and leases to total assets | 52.1006% | 4,746 |
| Net loans and leases to deposits | 60.4675% | 4,814 |
| Net loans and leases to core deposits | 65.0816% | 4,722 |
| Total domestic deposits to total assets | 86.1630% | 2,601 |
| Equity capital to assets | 13.1881% | 1,305 |
| Core capital (leverage) ratio | 12.9047% | 1,208 |
| Tier 1 risk-based capital ratio | 20.3680% | 1,470 |
| Total risk-based capital ratio | 21.6262% | 1,445 |
| Memoranda: |
| Average total assets | $304,559,670 | 2,152 |
| Average earning assets | $276,753,330 | 2,187 |
| Average equity | $38,899,000 | 1,864 |
| Average total loans | $159,421,670 | 2,487 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3559% | 1,923 |
| Cost of funding earning assets | 0.2646% | 4,856 |
| Net interest margin | 4.0913% | 1,299 |
| Noninterest income to average assets | 1.1707% | 836 |
| Noninterest expense to average assets | 3.2863% | 1,752 |
| Loan and lease loss provision to assets | 0.5977% | 159 |
| Net operating income to assets | 0.6630% | 3,988 |
| Return on assets (ROA) | 0.6630% | 4,112 |
| Pretax return on assets | 0.9997% | 3,509 |
| Return on Equity (ROE) | 5.2878% | 4,385 |
| Retained earnings to average equity (ytd only) | 5.2878% | 2,895 |
| Net charge-offs to loans | 0.2417% | 986 |
| Credit loss provision to net charge-offs | 477.0833% | 574 |
| Earnings coverage of net charge-offs (x) | 12.7500% | 1,773 |
| Efficiency ratio | 67.2902% | 3,937 |
| Assets per employee ($millions) | 4.0902% | 3,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5103% | 525 |
| Loan loss allowance to noncurrent loans | 114.9452% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 4.6620% | 276 |
| Noncurrent loans to loans | 2.1839% | 1,162 |
| Net loans and leases to total assets | 49.7742% | 4,876 |
| Net loans and leases to deposits | 57.3081% | 4,963 |
| Net loans and leases to core deposits | 61.4047% | 4,880 |
| Total domestic deposits to total assets | 86.8536% | 2,451 |
| Equity capital to assets | 12.5786% | 1,646 |
| Core capital (leverage) ratio | 12.8275% | 1,225 |
| Tier 1 risk-based capital ratio | 22.2869% | 1,200 |
| Total risk-based capital ratio | 23.5485% | 1,187 |
| Memoranda: |
| Average total assets | $306,485,000 | 2,157 |
| Average earning assets | $278,153,500 | 2,187 |
| Average equity | $38,428,000 | 1,905 |
| Average total loans | $158,889,500 | 2,504 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8178% | 1,082 |
| Cost of funding earning assets | 0.3080% | 4,708 |
| Net interest margin | 4.5098% | 735 |
| Noninterest income to average assets | 0.7252% | 2,192 |
| Noninterest expense to average assets | 3.4977% | 1,485 |
| Loan and lease loss provision to assets | 0.6635% | 195 |
| Net operating income to assets | 0.4219% | 5,142 |
| Return on assets (ROA) | 0.4219% | 5,219 |
| Pretax return on assets | 0.5756% | 5,015 |
| Return on Equity (ROE) | 3.3369% | 5,358 |
| Retained earnings to average equity (ytd only) | 3.3369% | 3,847 |
| Net charge-offs to loans | 0.7696% | 464 |
| Credit loss provision to net charge-offs | 151.0989% | 1,600 |
| Earnings coverage of net charge-offs (x) | 2.8218% | 4,054 |
| Efficiency ratio | 73.8412% | 2,861 |
| Assets per employee ($millions) | 3.9236% | 4,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2770% | 745 |
| Loan loss allowance to noncurrent loans | 167.1435% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 4.6959% | 314 |
| Noncurrent loans to loans | 1.3623% | 2,158 |
| Net loans and leases to total assets | 51.4531% | 4,836 |
| Net loans and leases to deposits | 59.2117% | 4,964 |
| Net loans and leases to core deposits | 63.7837% | 4,845 |
| Total domestic deposits to total assets | 86.8968% | 2,334 |
| Equity capital to assets | 12.4969% | 1,653 |
| Core capital (leverage) ratio | 12.7241% | 1,241 |
| Tier 1 risk-based capital ratio | 20.6879% | 1,471 |
| Total risk-based capital ratio | 21.9459% | 1,438 |
| Memoranda: |
| Average total assets | $290,134,400 | 2,213 |
| Average earning assets | $258,084,400 | 2,288 |
| Average equity | $36,680,800 | 1,917 |
| Average total loans | $165,539,200 | 2,370 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9072% | 916 |
| Cost of funding earning assets | 0.3102% | 4,779 |
| Net interest margin | 4.5970% | 622 |
| Noninterest income to average assets | 0.7077% | 2,289 |
| Noninterest expense to average assets | 3.5494% | 1,378 |
| Loan and lease loss provision to assets | 0.6385% | 204 |
| Net operating income to assets | 0.4072% | 5,219 |
| Return on assets (ROA) | 0.4072% | 5,294 |
| Pretax return on assets | 0.5939% | 5,051 |
| Return on Equity (ROE) | 3.2113% | 5,471 |
| Retained earnings to average equity (ytd only) | 3.2113% | 4,346 |
| Net charge-offs to loans | 0.8399% | 392 |
| Credit loss provision to net charge-offs | 130.5793% | 1,767 |
| Earnings coverage of net charge-offs (x) | 2.5204% | 3,891 |
| Efficiency ratio | 74.2280% | 2,784 |
| Assets per employee ($millions) | 3.8455% | 4,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0321% | 1,205 |
| Loan loss allowance to noncurrent loans | 49.7507% | 5,154 |
| Noncurrent assets plus other real estate owned to assets | 7.2261% | 157 |
| Noncurrent loans to loans | 4.0846% | 504 |
| Net loans and leases to total assets | 54.3202% | 4,540 |
| Net loans and leases to deposits | 62.7584% | 4,672 |
| Net loans and leases to core deposits | 66.7534% | 4,636 |
| Total domestic deposits to total assets | 86.5543% | 2,556 |
| Equity capital to assets | 12.7757% | 1,542 |
| Core capital (leverage) ratio | 12.8977% | 1,228 |
| Tier 1 risk-based capital ratio | 20.0348% | 1,666 |
| Total risk-based capital ratio | 21.2905% | 1,632 |
| Memoranda: |
| Average total assets | $287,139,000 | 2,243 |
| Average earning assets | $254,477,750 | 2,323 |
| Average equity | $36,412,250 | 1,938 |
| Average total loans | $167,156,500 | 2,365 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9683% | 797 |
| Cost of funding earning assets | 0.3086% | 4,892 |
| Net interest margin | 4.6596% | 523 |
| Noninterest income to average assets | 0.6593% | 2,487 |
| Noninterest expense to average assets | 3.4299% | 1,617 |
| Loan and lease loss provision to assets | 0.8934% | 131 |
| Net operating income to assets | 0.3244% | 5,481 |
| Return on assets (ROA) | 0.3244% | 5,559 |
| Pretax return on assets | 0.4618% | 5,383 |
| Return on Equity (ROE) | 2.5648% | 5,668 |
| Retained earnings to average equity (ytd only) | 2.5648% | 4,573 |
| Net charge-offs to loans | 0.0308% | 3,582 |
| Credit loss provision to net charge-offs | 4,903.8462% | 76 |
| Earnings coverage of net charge-offs (x) | 74.3846% | 704 |
| Efficiency ratio | 71.6796% | 3,400 |
| Assets per employee ($millions) | 3.7258% | 4,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5143% | 695 |
| Loan loss allowance to noncurrent loans | 52.9419% | 5,059 |
| Noncurrent assets plus other real estate owned to assets | 7.5901% | 151 |
| Noncurrent loans to loans | 4.7491% | 443 |
| Net loans and leases to total assets | 56.3020% | 4,244 |
| Net loans and leases to deposits | 64.8877% | 4,388 |
| Net loans and leases to core deposits | 68.0242% | 4,465 |
| Total domestic deposits to total assets | 86.7684% | 2,596 |
| Equity capital to assets | 12.7007% | 1,542 |
| Core capital (leverage) ratio | 12.8914% | 1,200 |
| Tier 1 risk-based capital ratio | 19.6478% | 1,771 |
| Total risk-based capital ratio | 20.9063% | 1,737 |
| Memoranda: |
| Average total assets | $285,432,670 | 2,251 |
| Average earning assets | $252,723,330 | 2,331 |
| Average equity | $36,103,670 | 1,947 |
| Average total loans | $168,859,330 | 2,345 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0408% | 672 |
| Cost of funding earning assets | 0.3090% | 4,978 |
| Net interest margin | 4.7318% | 435 |
| Noninterest income to average assets | 0.4950% | 3,450 |
| Noninterest expense to average assets | 3.3305% | 1,875 |
| Loan and lease loss provision to assets | 1.8031% | 43 |
| Net operating income to assets | -0.4370% | 6,449 |
| Return on assets (ROA) | -0.4370% | 6,452 |
| Pretax return on assets | -0.4370% | 6,440 |
| Return on Equity (ROE) | -3.4621% | 6,420 |
| Retained earnings to average equity (ytd only) | -3.4621% | 6,009 |
| Net charge-offs to loans | 0.1134% | 2,044 |
| Credit loss provision to net charge-offs | 2,656.2500% | 133 |
| Earnings coverage of net charge-offs (x) | 20.1250% | 1,346 |
| Efficiency ratio | 70.9124% | 3,664 |
| Assets per employee ($millions) | 3.6872% | 4,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4642% | 846 |
| Loan loss allowance to noncurrent loans | 50.6515% | 5,181 |
| Noncurrent assets plus other real estate owned to assets | 7.8400% | 175 |
| Noncurrent loans to loans | 4.8650% | 469 |
| Net loans and leases to total assets | 57.7744% | 3,881 |
| Net loans and leases to deposits | 66.3294% | 4,053 |
| Net loans and leases to core deposits | 69.6274% | 4,142 |
| Total domestic deposits to total assets | 87.1024% | 2,743 |
| Equity capital to assets | 12.4077% | 1,625 |
| Core capital (leverage) ratio | 13.1451% | 1,109 |
| Tier 1 risk-based capital ratio | 18.9206% | 1,985 |
| Total risk-based capital ratio | 20.1819% | 1,948 |
| Memoranda: |
| Average total assets | $282,841,500 | 2,279 |
| Average earning assets | $251,152,000 | 2,348 |
| Average equity | $35,700,500 | 1,957 |
| Average total loans | $169,368,000 | 2,353 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0818% | 786 |
| Cost of funding earning assets | 0.4198% | 4,435 |
| Net interest margin | 4.6620% | 541 |
| Noninterest income to average assets | 0.3471% | 4,840 |
| Noninterest expense to average assets | 3.1791% | 2,481 |
| Loan and lease loss provision to assets | 0.2214% | 1,646 |
| Net operating income to assets | 0.8665% | 2,941 |
| Return on assets (ROA) | 0.8665% | 3,021 |
| Pretax return on assets | 1.1305% | 2,849 |
| Return on Equity (ROE) | 7.1901% | 3,457 |
| Retained earnings to average equity (ytd only) | 7.1901% | 1,363 |
| Net charge-offs to loans | 0.7500% | 851 |
| Credit loss provision to net charge-offs | 50.2318% | 3,810 |
| Earnings coverage of net charge-offs (x) | 3.0672% | 3,964 |
| Efficiency ratio | 70.1624% | 3,814 |
| Assets per employee ($millions) | 3.5651% | 4,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7645% | 2,174 |
| Loan loss allowance to noncurrent loans | 29.0648% | 5,973 |
| Noncurrent assets plus other real estate owned to assets | 8.4307% | 173 |
| Noncurrent loans to loans | 6.0709% | 335 |
| Net loans and leases to total assets | 59.4814% | 3,800 |
| Net loans and leases to deposits | 69.1630% | 3,890 |
| Net loans and leases to core deposits | 72.8927% | 3,966 |
| Total domestic deposits to total assets | 86.0019% | 3,255 |
| Equity capital to assets | 12.8438% | 1,349 |
| Core capital (leverage) ratio | 13.0604% | 1,116 |
| Tier 1 risk-based capital ratio | 19.4600% | 1,801 |
| Total risk-based capital ratio | 20.7141% | 1,760 |
| Memoranda: |
| Average total assets | $293,578,000 | 2,187 |
| Average earning assets | $263,470,200 | 2,226 |
| Average equity | $35,382,000 | 1,949 |
| Average total loans | $172,532,600 | 2,276 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0553% | 841 |
| Cost of funding earning assets | 0.4466% | 4,314 |
| Net interest margin | 4.6087% | 611 |
| Noninterest income to average assets | 0.5670% | 3,351 |
| Noninterest expense to average assets | 3.3492% | 1,950 |
| Loan and lease loss provision to assets | 0.2689% | 1,311 |
| Net operating income to assets | 0.7239% | 3,734 |
| Return on assets (ROA) | 0.7239% | 3,860 |
| Pretax return on assets | 1.0982% | 3,119 |
| Return on Equity (ROE) | 6.1002% | 4,135 |
| Retained earnings to average equity (ytd only) | 6.1002% | 2,347 |
| Net charge-offs to loans | 0.9517% | 602 |
| Credit loss provision to net charge-offs | 48.4262% | 3,547 |
| Earnings coverage of net charge-offs (x) | 2.4617% | 4,012 |
| Efficiency ratio | 71.0131% | 3,603 |
| Assets per employee ($millions) | 3.6420% | 4,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7381% | 2,496 |
| Loan loss allowance to noncurrent loans | 29.2625% | 6,012 |
| Noncurrent assets plus other real estate owned to assets | 8.2901% | 215 |
| Noncurrent loans to loans | 5.9396% | 435 |
| Net loans and leases to total assets | 57.7463% | 4,054 |
| Net loans and leases to deposits | 70.3776% | 3,733 |
| Net loans and leases to core deposits | 74.0337% | 3,843 |
| Total domestic deposits to total assets | 82.0520% | 4,913 |
| Equity capital to assets | 12.0854% | 1,865 |
| Core capital (leverage) ratio | 12.2820% | 1,529 |
| Tier 1 risk-based capital ratio | 18.5822% | 2,118 |
| Total risk-based capital ratio | 19.8344% | 2,088 |
| Memoranda: |
| Average total assets | $297,452,500 | 2,171 |
| Average earning assets | $267,807,250 | 2,205 |
| Average equity | $35,298,500 | 1,968 |
| Average total loans | $173,571,500 | 2,273 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9916% | 922 |
| Cost of funding earning assets | 0.4496% | 4,434 |
| Net interest margin | 4.5420% | 660 |
| Noninterest income to average assets | 0.5843% | 3,291 |
| Noninterest expense to average assets | 3.4326% | 1,754 |
| Loan and lease loss provision to assets | 0.3005% | 1,201 |
| Net operating income to assets | 0.6331% | 4,140 |
| Return on assets (ROA) | 0.6331% | 4,290 |
| Pretax return on assets | 0.9530% | 3,705 |
| Return on Equity (ROE) | 5.3669% | 4,537 |
| Retained earnings to average equity (ytd only) | 5.3669% | 2,832 |
| Net charge-offs to loans | 0.7273% | 898 |
| Credit loss provision to net charge-offs | 70.9779% | 2,801 |
| Earnings coverage of net charge-offs (x) | 2.9606% | 3,543 |
| Efficiency ratio | 73.2507% | 3,269 |
| Assets per employee ($millions) | 3.5954% | 4,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0120% | 1,820 |
| Loan loss allowance to noncurrent loans | 32.6575% | 5,921 |
| Noncurrent assets plus other real estate owned to assets | 8.1316% | 246 |
| Noncurrent loans to loans | 6.1609% | 441 |
| Net loans and leases to total assets | 56.6758% | 4,181 |
| Net loans and leases to deposits | 69.6421% | 3,765 |
| Net loans and leases to core deposits | 73.1410% | 3,910 |
| Total domestic deposits to total assets | 81.3816% | 5,239 |
| Equity capital to assets | 11.7507% | 2,086 |
| Core capital (leverage) ratio | 11.7738% | 1,745 |
| Tier 1 risk-based capital ratio | 18.2940% | 2,213 |
| Total risk-based capital ratio | 19.5504% | 2,175 |
| Memoranda: |
| Average total assets | $299,483,670 | 2,169 |
| Average earning assets | $270,455,670 | 2,190 |
| Average equity | $35,327,330 | 1,972 |
| Average total loans | $174,353,670 | 2,263 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9223% | 1,022 |
| Cost of funding earning assets | 0.4632% | 4,447 |
| Net interest margin | 4.4591% | 727 |
| Noninterest income to average assets | 0.5063% | 3,734 |
| Noninterest expense to average assets | 3.2470% | 2,210 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8509% | 2,902 |
| Return on assets (ROA) | 0.8509% | 3,039 |
| Pretax return on assets | 1.3041% | 2,217 |
| Return on Equity (ROE) | 7.1995% | 3,383 |
| Retained earnings to average equity (ytd only) | 7.1995% | 2,070 |
| Net charge-offs to loans | 0.1248% | 2,675 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 17.8909% | 1,289 |
| Efficiency ratio | 71.3454% | 3,743 |
| Assets per employee ($millions) | 3.7724% | 4,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0459% | 1,928 |
| Loan loss allowance to noncurrent loans | 29.0494% | 6,062 |
| Noncurrent assets plus other real estate owned to assets | 7.6175% | 345 |
| Noncurrent loans to loans | 7.0429% | 416 |
| Net loans and leases to total assets | 56.4782% | 4,015 |
| Net loans and leases to deposits | 68.3216% | 3,738 |
| Net loans and leases to core deposits | 71.6587% | 3,859 |
| Total domestic deposits to total assets | 82.6652% | 4,968 |
| Equity capital to assets | 11.9245% | 2,092 |
| Core capital (leverage) ratio | 11.6891% | 1,758 |
| Tier 1 risk-based capital ratio | 17.9406% | 2,392 |
| Total risk-based capital ratio | 19.2021% | 2,351 |
| Memoranda: |
| Average total assets | $301,812,500 | 2,177 |
| Average earning assets | $273,777,000 | 2,191 |
| Average equity | $35,669,000 | 1,978 |
| Average total loans | $176,267,500 | 2,257 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4454% | 692 |
| Cost of funding earning assets | 0.6121% | 4,235 |
| Net interest margin | 4.8333% | 513 |
| Noninterest income to average assets | 0.5458% | 3,610 |
| Noninterest expense to average assets | 3.6441% | 1,511 |
| Loan and lease loss provision to assets | 0.3774% | 1,735 |
| Net operating income to assets | 0.4781% | 4,769 |
| Return on assets (ROA) | 0.4657% | 5,067 |
| Pretax return on assets | 0.8815% | 3,986 |
| Return on Equity (ROE) | 4.0212% | 5,130 |
| Retained earnings to average equity (ytd only) | 4.0212% | 3,381 |
| Net charge-offs to loans | 0.8925% | 1,281 |
| Credit loss provision to net charge-offs | 67.1729% | 4,245 |
| Earnings coverage of net charge-offs (x) | 2.2751% | 4,280 |
| Efficiency ratio | 74.0316% | 3,064 |
| Assets per employee ($millions) | 3.7729% | 4,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0249% | 1,953 |
| Loan loss allowance to noncurrent loans | 27.5051% | 6,164 |
| Noncurrent assets plus other real estate owned to assets | 7.9176% | 354 |
| Noncurrent loans to loans | 7.3618% | 418 |
| Net loans and leases to total assets | 57.9504% | 3,990 |
| Net loans and leases to deposits | 69.7277% | 3,745 |
| Net loans and leases to core deposits | 73.7315% | 3,815 |
| Total domestic deposits to total assets | 83.1096% | 4,672 |
| Equity capital to assets | 11.7121% | 2,260 |
| Core capital (leverage) ratio | 11.4144% | 1,929 |
| Tier 1 risk-based capital ratio | 17.4190% | 2,478 |
| Total risk-based capital ratio | 18.6806% | 2,452 |
| Memoranda: |
| Average total assets | $304,713,400 | 2,110 |
| Average earning assets | $275,918,800 | 2,123 |
| Average equity | $35,287,600 | 1,957 |
| Average total loans | $191,822,400 | 2,080 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5128% | 660 |
| Cost of funding earning assets | 0.6343% | 4,322 |
| Net interest margin | 4.8786% | 493 |
| Noninterest income to average assets | 0.5588% | 3,548 |
| Noninterest expense to average assets | 3.3534% | 2,121 |
| Loan and lease loss provision to assets | 0.2183% | 2,879 |
| Net operating income to assets | 0.9103% | 2,933 |
| Return on assets (ROA) | 0.8936% | 3,243 |
| Pretax return on assets | 1.3834% | 2,290 |
| Return on Equity (ROE) | 7.7378% | 3,403 |
| Retained earnings to average equity (ytd only) | 7.7378% | 1,735 |
| Net charge-offs to loans | 0.8814% | 1,243 |
| Credit loss provision to net charge-offs | 38.7597% | 4,640 |
| Earnings coverage of net charge-offs (x) | 2.8899% | 3,885 |
| Efficiency ratio | 67.3269% | 4,208 |
| Assets per employee ($millions) | 3.5787% | 4,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8313% | 2,699 |
| Loan loss allowance to noncurrent loans | 27.9825% | 6,216 |
| Noncurrent assets plus other real estate owned to assets | 7.7779% | 405 |
| Noncurrent loans to loans | 6.5445% | 582 |
| Net loans and leases to total assets | 60.3984% | 3,697 |
| Net loans and leases to deposits | 73.2407% | 3,406 |
| Net loans and leases to core deposits | 77.1791% | 3,585 |
| Total domestic deposits to total assets | 82.4656% | 4,849 |
| Equity capital to assets | 12.0549% | 2,208 |
| Core capital (leverage) ratio | 11.5718% | 1,934 |
| Tier 1 risk-based capital ratio | 17.8574% | 2,406 |
| Total risk-based capital ratio | 19.1182% | 2,369 |
| Memoranda: |
| Average total assets | $305,433,250 | 2,127 |
| Average earning assets | $276,850,500 | 2,143 |
| Average equity | $35,271,750 | 1,976 |
| Average total loans | $195,145,750 | 2,075 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5466% | 649 |
| Cost of funding earning assets | 0.6509% | 4,433 |
| Net interest margin | 4.8956% | 476 |
| Noninterest income to average assets | 0.5335% | 3,699 |
| Noninterest expense to average assets | 3.2562% | 2,419 |
| Loan and lease loss provision to assets | 0.2606% | 2,492 |
| Net operating income to assets | 0.9313% | 2,757 |
| Return on assets (ROA) | 0.9067% | 3,152 |
| Pretax return on assets | 1.4265% | 2,099 |
| Return on Equity (ROE) | 7.9657% | 3,279 |
| Retained earnings to average equity (ytd only) | 7.9657% | 1,651 |
| Net charge-offs to loans | 1.1141% | 976 |
| Credit loss provision to net charge-offs | 36.1664% | 4,338 |
| Earnings coverage of net charge-offs (x) | 2.3951% | 3,801 |
| Efficiency ratio | 65.3635% | 4,653 |
| Assets per employee ($millions) | 3.7362% | 4,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8015% | 2,851 |
| Loan loss allowance to noncurrent loans | 34.8599% | 5,929 |
| Noncurrent assets plus other real estate owned to assets | 6.8455% | 581 |
| Noncurrent loans to loans | 5.1678% | 933 |
| Net loans and leases to total assets | 62.5187% | 3,336 |
| Net loans and leases to deposits | 75.3591% | 3,067 |
| Net loans and leases to core deposits | 79.5409% | 3,281 |
| Total domestic deposits to total assets | 82.9610% | 4,771 |
| Equity capital to assets | 11.7617% | 2,355 |
| Core capital (leverage) ratio | 11.1691% | 2,149 |
| Tier 1 risk-based capital ratio | 16.6402% | 2,836 |
| Total risk-based capital ratio | 17.9001% | 2,782 |
| Memoranda: |
| Average total assets | $307,041,330 | 2,112 |
| Average earning assets | $278,983,330 | 2,130 |
| Average equity | $34,949,670 | 1,973 |
| Average total loans | $198,544,330 | 2,037 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5332% | 711 |
| Cost of funding earning assets | 0.6513% | 4,722 |
| Net interest margin | 4.8819% | 485 |
| Noninterest income to average assets | 0.4941% | 3,948 |
| Noninterest expense to average assets | 3.2725% | 2,377 |
| Loan and lease loss provision to assets | 0.1940% | 3,004 |
| Net operating income to assets | 0.9468% | 2,713 |
| Return on assets (ROA) | 0.9468% | 2,921 |
| Pretax return on assets | 1.4681% | 1,970 |
| Return on Equity (ROE) | 8.4558% | 3,078 |
| Retained earnings to average equity (ytd only) | 8.4558% | 1,797 |
| Net charge-offs to loans | 1.7014% | 567 |
| Credit loss provision to net charge-offs | 17.5029% | 3,813 |
| Earnings coverage of net charge-offs (x) | 1.4994% | 3,576 |
| Efficiency ratio | 66.3172% | 4,499 |
| Assets per employee ($millions) | 3.6862% | 4,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7587% | 3,132 |
| Loan loss allowance to noncurrent loans | 30.1765% | 6,164 |
| Noncurrent assets plus other real estate owned to assets | 7.1744% | 580 |
| Noncurrent loans to loans | 5.8279% | 881 |
| Net loans and leases to total assets | 62.6007% | 3,142 |
| Net loans and leases to deposits | 74.8349% | 2,995 |
| Net loans and leases to core deposits | 79.4304% | 3,120 |
| Total domestic deposits to total assets | 83.6518% | 4,657 |
| Equity capital to assets | 11.2930% | 2,635 |
| Core capital (leverage) ratio | 11.0445% | 2,222 |
| Tier 1 risk-based capital ratio | 15.8232% | 3,267 |
| Total risk-based capital ratio | 17.0821% | 3,231 |
| Memoranda: |
| Average total assets | $309,244,000 | 2,101 |
| Average earning assets | $281,285,500 | 2,124 |
| Average equity | $34,627,000 | 1,995 |
| Average total loans | $201,479,000 | 2,024 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0963% | 368 |
| Cost of funding earning assets | 0.8068% | 4,817 |
| Net interest margin | 5.2895% | 244 |
| Noninterest income to average assets | 0.5978% | 3,177 |
| Noninterest expense to average assets | 3.1353% | 3,085 |
| Loan and lease loss provision to assets | 1.3268% | 607 |
| Net operating income to assets | 0.6336% | 3,812 |
| Return on assets (ROA) | 0.6336% | 4,014 |
| Pretax return on assets | 0.9609% | 3,389 |
| Return on Equity (ROE) | 6.0319% | 3,857 |
| Retained earnings to average equity (ytd only) | 6.0319% | 1,997 |
| Net charge-offs to loans | 1.7329% | 872 |
| Credit loss provision to net charge-offs | 107.2471% | 3,157 |
| Earnings coverage of net charge-offs (x) | 1.8492% | 4,387 |
| Efficiency ratio | 57.8139% | 6,074 |
| Assets per employee ($millions) | 3.6335% | 4,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0311% | 2,182 |
| Loan loss allowance to noncurrent loans | 34.2546% | 5,920 |
| Noncurrent assets plus other real estate owned to assets | 6.4171% | 737 |
| Noncurrent loans to loans | 5.9295% | 846 |
| Net loans and leases to total assets | 65.2341% | 2,933 |
| Net loans and leases to deposits | 77.7810% | 2,876 |
| Net loans and leases to core deposits | 83.0611% | 3,013 |
| Total domestic deposits to total assets | 83.8690% | 4,373 |
| Equity capital to assets | 11.1013% | 2,888 |
| Core capital (leverage) ratio | 10.7555% | 2,467 |
| Tier 1 risk-based capital ratio | 15.2138% | 3,503 |
| Total risk-based capital ratio | 16.4765% | 3,457 |
| Memoranda: |
| Average total assets | $315,635,000 | 2,033 |
| Average earning assets | $287,929,200 | 2,038 |
| Average equity | $33,157,000 | 2,009 |
| Average total loans | $225,340,000 | 1,837 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3644% | 241 |
| Cost of funding earning assets | 0.8448% | 4,806 |
| Net interest margin | 5.5196% | 166 |
| Noninterest income to average assets | 0.6399% | 2,939 |
| Noninterest expense to average assets | 3.0831% | 3,223 |
| Loan and lease loss provision to assets | 1.7596% | 347 |
| Net operating income to assets | 0.5567% | 4,286 |
| Return on assets (ROA) | 0.5567% | 4,461 |
| Pretax return on assets | 0.8374% | 3,991 |
| Return on Equity (ROE) | 5.3738% | 4,351 |
| Retained earnings to average equity (ytd only) | 5.3738% | 2,929 |
| Net charge-offs to loans | 2.1523% | 571 |
| Credit loss provision to net charge-offs | 112.6715% | 2,900 |
| Earnings coverage of net charge-offs (x) | 1.6629% | 4,402 |
| Efficiency ratio | 54.2792% | 6,458 |
| Assets per employee ($millions) | 3.7355% | 4,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9763% | 2,398 |
| Loan loss allowance to noncurrent loans | 36.2481% | 5,879 |
| Noncurrent assets plus other real estate owned to assets | 6.7404% | 752 |
| Noncurrent loans to loans | 5.4521% | 1,091 |
| Net loans and leases to total assets | 68.9990% | 2,275 |
| Net loans and leases to deposits | 85.2852% | 1,785 |
| Net loans and leases to core deposits | 91.4194% | 2,062 |
| Total domestic deposits to total assets | 80.9038% | 5,466 |
| Equity capital to assets | 10.7630% | 3,408 |
| Core capital (leverage) ratio | 10.4623% | 2,913 |
| Tier 1 risk-based capital ratio | 13.9749% | 4,370 |
| Total risk-based capital ratio | 15.2368% | 4,335 |
| Memoranda: |
| Average total assets | $317,332,250 | 2,025 |
| Average earning assets | $289,769,750 | 2,028 |
| Average equity | $32,874,750 | 2,018 |
| Average total loans | $230,262,500 | 1,823 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4867% | 208 |
| Cost of funding earning assets | 0.8796% | 4,832 |
| Net interest margin | 5.6071% | 150 |
| Noninterest income to average assets | 0.6568% | 2,783 |
| Noninterest expense to average assets | 3.1465% | 3,090 |
| Loan and lease loss provision to assets | 2.4413% | 215 |
| Net operating income to assets | 0.1557% | 5,867 |
| Return on assets (ROA) | 0.1557% | 5,965 |
| Pretax return on assets | 0.1921% | 5,944 |
| Return on Equity (ROE) | 1.5226% | 5,928 |
| Retained earnings to average equity (ytd only) | 1.5226% | 5,218 |
| Net charge-offs to loans | 3.0592% | 331 |
| Credit loss provision to net charge-offs | 108.9076% | 2,816 |
| Earnings coverage of net charge-offs (x) | 1.1748% | 4,398 |
| Efficiency ratio | 54.4378% | 6,579 |
| Assets per employee ($millions) | 3.4273% | 5,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8544% | 2,816 |
| Loan loss allowance to noncurrent loans | 27.9504% | 6,383 |
| Noncurrent assets plus other real estate owned to assets | 7.6722% | 622 |
| Noncurrent loans to loans | 6.6348% | 823 |
| Net loans and leases to total assets | 72.2525% | 1,742 |
| Net loans and leases to deposits | 89.1325% | 1,364 |
| Net loans and leases to core deposits | 95.4013% | 1,740 |
| Total domestic deposits to total assets | 81.0619% | 5,506 |
| Equity capital to assets | 10.5789% | 3,408 |
| Core capital (leverage) ratio | 9.8928% | 3,396 |
| Tier 1 risk-based capital ratio | 13.3911% | 4,618 |
| Total risk-based capital ratio | 14.6476% | 4,599 |
| Memoranda: |
| Average total assets | $318,516,330 | 2,029 |
| Average earning assets | $291,025,330 | 2,031 |
| Average equity | $32,575,670 | 2,024 |
| Average total loans | $233,393,330 | 1,826 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2760% | 297 |
| Cost of funding earning assets | 0.9456% | 4,609 |
| Net interest margin | 5.3304% | 213 |
| Noninterest income to average assets | 0.5662% | 3,395 |
| Noninterest expense to average assets | 2.8744% | 4,172 |
| Loan and lease loss provision to assets | 0.7727% | 1,108 |
| Net operating income to assets | 1.1646% | 1,611 |
| Return on assets (ROA) | 1.1646% | 1,668 |
| Pretax return on assets | 1.8112% | 795 |
| Return on Equity (ROE) | 11.5767% | 1,581 |
| Retained earnings to average equity (ytd only) | 11.5767% | 803 |
| Net charge-offs to loans | 0.1302% | 3,732 |
| Credit loss provision to net charge-offs | 811.6883% | 473 |
| Earnings coverage of net charge-offs (x) | 27.1429% | 907 |
| Efficiency ratio | 52.6614% | 6,813 |
| Assets per employee ($millions) | 3.5149% | 4,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8883% | 2,730 |
| Loan loss allowance to noncurrent loans | 39.5247% | 5,656 |
| Noncurrent assets plus other real estate owned to assets | 6.1994% | 916 |
| Noncurrent loans to loans | 4.7775% | 1,433 |
| Net loans and leases to total assets | 71.3562% | 1,846 |
| Net loans and leases to deposits | 87.1455% | 1,571 |
| Net loans and leases to core deposits | 92.8876% | 2,022 |
| Total domestic deposits to total assets | 81.8816% | 5,355 |
| Equity capital to assets | 10.1998% | 3,539 |
| Core capital (leverage) ratio | 9.9725% | 3,174 |
| Tier 1 risk-based capital ratio | 13.0578% | 4,783 |
| Total risk-based capital ratio | 14.3185% | 4,756 |
| Memoranda: |
| Average total assets | $323,548,000 | 2,018 |
| Average earning assets | $296,939,000 | 2,017 |
| Average equity | $32,548,000 | 2,011 |
| Average total loans | $236,552,000 | 1,816 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7279% | 225 |
| Cost of funding earning assets | 1.2871% | 3,966 |
| Net interest margin | 5.4408% | 189 |
| Noninterest income to average assets | 0.6203% | 3,340 |
| Noninterest expense to average assets | 3.1632% | 3,219 |
| Loan and lease loss provision to assets | 0.4618% | 3,357 |
| Net operating income to assets | 1.2725% | 1,241 |
| Return on assets (ROA) | 1.2725% | 1,306 |
| Pretax return on assets | 1.9918% | 486 |
| Return on Equity (ROE) | 13.4203% | 999 |
| Retained earnings to average equity (ytd only) | 13.4203% | 190 |
| Net charge-offs to loans | 0.2814% | 4,613 |
| Credit loss provision to net charge-offs | 217.4672% | 1,389 |
| Earnings coverage of net charge-offs (x) | 11.5546% | 1,594 |
| Efficiency ratio | 56.3174% | 6,560 |
| Assets per employee ($millions) | 3.4809% | 4,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6363% | 3,445 |
| Loan loss allowance to noncurrent loans | 80.2184% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 3.6558% | 1,885 |
| Noncurrent loans to loans | 2.0398% | 3,498 |
| Net loans and leases to total assets | 72.2912% | 2,033 |
| Net loans and leases to deposits | 87.9487% | 1,798 |
| Net loans and leases to core deposits | 95.2696% | 2,092 |
| Total domestic deposits to total assets | 82.1971% | 5,125 |
| Equity capital to assets | 9.9197% | 3,855 |
| Core capital (leverage) ratio | 9.4695% | 3,740 |
| Tier 1 risk-based capital ratio | 12.1152% | 5,370 |
| Total risk-based capital ratio | 13.3721% | 5,343 |
| Memoranda: |
| Average total assets | $323,528,400 | 2,006 |
| Average earning assets | $297,108,200 | 2,000 |
| Average equity | $30,677,400 | 2,135 |
| Average total loans | $244,172,000 | 1,794 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7849% | 205 |
| Cost of funding earning assets | 1.3413% | 3,964 |
| Net interest margin | 5.4437% | 193 |
| Noninterest income to average assets | 0.6360% | 3,217 |
| Noninterest expense to average assets | 2.8943% | 4,114 |
| Loan and lease loss provision to assets | 0.4295% | 3,333 |
| Net operating income to assets | 1.4686% | 981 |
| Return on assets (ROA) | 1.4686% | 1,057 |
| Pretax return on assets | 2.3090% | 330 |
| Return on Equity (ROE) | 15.6688% | 751 |
| Retained earnings to average equity (ytd only) | 15.6688% | 181 |
| Net charge-offs to loans | 0.1601% | 5,042 |
| Credit loss provision to net charge-offs | 353.2203% | 887 |
| Earnings coverage of net charge-offs (x) | 22.5222% | 1,090 |
| Efficiency ratio | 51.3830% | 7,039 |
| Assets per employee ($millions) | 3.5234% | 4,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5813% | 3,612 |
| Loan loss allowance to noncurrent loans | 54.7259% | 4,648 |
| Noncurrent assets plus other real estate owned to assets | 4.0591% | 1,715 |
| Noncurrent loans to loans | 2.8895% | 2,764 |
| Net loans and leases to total assets | 72.0284% | 2,245 |
| Net loans and leases to deposits | 87.3725% | 2,102 |
| Net loans and leases to core deposits | 94.5219% | 2,453 |
| Total domestic deposits to total assets | 82.4383% | 4,822 |
| Equity capital to assets | 9.7185% | 4,518 |
| Core capital (leverage) ratio | 9.3316% | 4,163 |
| Tier 1 risk-based capital ratio | 12.1427% | 5,322 |
| Total risk-based capital ratio | 13.3999% | 5,283 |
| Memoranda: |
| Average total assets | $323,478,500 | 2,037 |
| Average earning assets | $296,924,500 | 2,026 |
| Average equity | $30,318,500 | 2,175 |
| Average total loans | $245,735,000 | 1,807 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.8858% | 182 |
| Cost of funding earning assets | 1.3940% | 3,911 |
| Net interest margin | 5.4918% | 173 |
| Noninterest income to average assets | 0.6033% | 3,319 |
| Noninterest expense to average assets | 2.8837% | 4,136 |
| Loan and lease loss provision to assets | 0.4363% | 3,132 |
| Net operating income to assets | 1.4758% | 953 |
| Return on assets (ROA) | 1.4758% | 1,016 |
| Pretax return on assets | 2.3191% | 323 |
| Return on Equity (ROE) | 15.9486% | 706 |
| Retained earnings to average equity (ytd only) | 15.9486% | 195 |
| Net charge-offs to loans | 0.2398% | 4,163 |
| Credit loss provision to net charge-offs | 236.4865% | 1,630 |
| Earnings coverage of net charge-offs (x) | 14.9358% | 1,492 |
| Efficiency ratio | 51.1384% | 7,137 |
| Assets per employee ($millions) | 3.5302% | 4,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4086% | 4,383 |
| Loan loss allowance to noncurrent loans | 201.6176% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 2.6729% | 2,700 |
| Noncurrent loans to loans | 0.6987% | 5,847 |
| Net loans and leases to total assets | 75.2104% | 1,647 |
| Net loans and leases to deposits | 91.3469% | 1,645 |
| Net loans and leases to core deposits | 99.4666% | 2,076 |
| Total domestic deposits to total assets | 82.3349% | 4,856 |
| Equity capital to assets | 9.4864% | 4,723 |
| Core capital (leverage) ratio | 9.0743% | 4,489 |
| Tier 1 risk-based capital ratio | 11.4229% | 5,850 |
| Total risk-based capital ratio | 12.6778% | 5,810 |
| Memoranda: |
| Average total assets | $320,903,330 | 2,069 |
| Average earning assets | $294,256,330 | 2,059 |
| Average equity | $29,695,330 | 2,209 |
| Average total loans | $246,848,670 | 1,825 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.8511% | 213 |
| Cost of funding earning assets | 1.4179% | 4,063 |
| Net interest margin | 5.4332% | 201 |
| Noninterest income to average assets | 0.5719% | 3,480 |
| Noninterest expense to average assets | 2.7439% | 4,709 |
| Loan and lease loss provision to assets | 0.5016% | 2,488 |
| Net operating income to assets | 1.4773% | 931 |
| Return on assets (ROA) | 1.4773% | 1,001 |
| Pretax return on assets | 2.2999% | 348 |
| Return on Equity (ROE) | 16.1713% | 693 |
| Retained earnings to average equity (ytd only) | 16.1713% | 329 |
| Net charge-offs to loans | 0.0195% | 5,313 |
| Credit loss provision to net charge-offs | 3,333.3333% | 140 |
| Earnings coverage of net charge-offs (x) | 186.1667% | 185 |
| Efficiency ratio | 49.4799% | 7,347 |
| Assets per employee ($millions) | 3.4348% | 5,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3861% | 4,486 |
| Loan loss allowance to noncurrent loans | 131.4415% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 2.8197% | 2,574 |
| Noncurrent loans to loans | 1.0545% | 5,233 |
| Net loans and leases to total assets | 76.5503% | 1,425 |
| Net loans and leases to deposits | 92.4031% | 1,553 |
| Net loans and leases to core deposits | 100.9509% | 2,035 |
| Total domestic deposits to total assets | 82.8439% | 4,702 |
| Equity capital to assets | 9.1981% | 4,990 |
| Core capital (leverage) ratio | 8.8524% | 4,790 |
| Tier 1 risk-based capital ratio | 10.8716% | 6,271 |
| Total risk-based capital ratio | 12.1264% | 6,252 |
| Memoranda: |
| Average total assets | $318,964,500 | 2,133 |
| Average earning assets | $291,982,000 | 2,130 |
| Average equity | $29,138,000 | 2,276 |
| Average total loans | $246,393,500 | 1,884 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.6522% | 109 |
| Cost of funding earning assets | 1.6830% | 4,598 |
| Net interest margin | 5.9692% | 114 |
| Noninterest income to average assets | 0.6945% | 3,019 |
| Noninterest expense to average assets | 3.3415% | 2,868 |
| Loan and lease loss provision to assets | 0.3314% | 4,827 |
| Net operating income to assets | 1.6486% | 485 |
| Return on assets (ROA) | 1.6486% | 517 |
| Pretax return on assets | 2.5983% | 140 |
| Return on Equity (ROE) | 19.1221% | 296 |
| Retained earnings to average equity (ytd only) | 6.1784% | 1,282 |
| Net charge-offs to loans | 0.2156% | 5,275 |
| Credit loss provision to net charge-offs | 198.0000% | 1,986 |
| Earnings coverage of net charge-offs (x) | 17.5022% | 1,181 |
| Efficiency ratio | 53.2831% | 7,298 |
| Assets per employee ($millions) | 3.3517% | 5,369 |
| Cash dividends to net income (ytd only)* | 67.6895% | 1,663 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2744% | 4,908 |
| Loan loss allowance to noncurrent loans | 153.3035% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 2.6109% | 2,693 |
| Noncurrent loans to loans | 0.8313% | 5,628 |
| Net loans and leases to total assets | 75.8807% | 1,829 |
| Net loans and leases to deposits | 91.5959% | 1,945 |
| Net loans and leases to core deposits | 117.1930% | 2,212 |
| Total domestic deposits to total assets | 82.8429% | 4,585 |
| Equity capital to assets | 9.0707% | 5,026 |
| Core capital (leverage) ratio | 8.7285% | 4,875 |
| Tier 1 risk-based capital ratio | 10.1641% | 6,717 |
| Total risk-based capital ratio | 11.3242% | 6,776 |
| Memoranda: |
| Average total assets | $268,828,400 | 2,430 |
| Average earning assets | $251,155,200 | 2,390 |
| Average equity | $23,177,400 | 2,809 |
| Average total loans | $208,759,600 | 2,214 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.9318% | 86 |
| Cost of funding earning assets | 1.7390% | 4,700 |
| Net interest margin | 6.1928% | 94 |
| Noninterest income to average assets | 0.7748% | 2,576 |
| Noninterest expense to average assets | 3.4603% | 2,392 |
| Loan and lease loss provision to assets | 0.3063% | 4,522 |
| Net operating income to assets | 1.8030% | 436 |
| Return on assets (ROA) | 1.8030% | 468 |
| Pretax return on assets | 2.8436% | 123 |
| Return on Equity (ROE) | 21.2512% | 243 |
| Retained earnings to average equity (ytd only) | 15.1428% | 157 |
| Net charge-offs to loans | 0.0852% | 5,834 |
| Credit loss provision to net charge-offs | 461.7188% | 847 |
| Earnings coverage of net charge-offs (x) | 47.4851% | 667 |
| Efficiency ratio | 52.3481% | 7,385 |
| Assets per employee ($millions) | 3.2834% | 5,443 |
| Cash dividends to net income (ytd only)* | 28.7439% | 2,926 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2699% | 4,690 |
| Loan loss allowance to noncurrent loans | 38.8840% | 5,770 |
| Noncurrent assets plus other real estate owned to assets | 2.9131% | 2,380 |
| Noncurrent loans to loans | 3.2658% | 2,319 |
| Net loans and leases to total assets | 78.2922% | 1,518 |
| Net loans and leases to deposits | 98.4895% | 1,267 |
| Net loans and leases to core deposits | 124.3404% | 1,870 |
| Total domestic deposits to total assets | 79.4929% | 5,628 |
| Equity capital to assets | 8.6413% | 6,050 |
| Core capital (leverage) ratio | 8.3635% | 5,726 |
| Tier 1 risk-based capital ratio | 9.7122% | 7,227 |
| Total risk-based capital ratio | 10.9151% | 7,224 |
| Memoranda: |
| Average total assets | $257,270,750 | 2,552 |
| Average earning assets | $242,426,750 | 2,493 |
| Average equity | $21,827,250 | 2,996 |
| Average total loans | $200,410,750 | 2,320 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.3395% | 70 |
| Cost of funding earning assets | 1.8421% | 4,548 |
| Net interest margin | 6.4974% | 70 |
| Noninterest income to average assets | 0.8411% | 2,213 |
| Noninterest expense to average assets | 3.5636% | 2,158 |
| Loan and lease loss provision to assets | 0.2998% | 4,162 |
| Net operating income to assets | 1.9838% | 307 |
| Return on assets (ROA) | 1.9838% | 340 |
| Pretax return on assets | 3.1289% | 92 |
| Return on Equity (ROE) | 23.5690% | 173 |
| Retained earnings to average equity (ytd only) | 18.6217% | 97 |
| Net charge-offs to loans | 0.1314% | 4,852 |
| Credit loss provision to net charge-offs | 295.0820% | 1,583 |
| Earnings coverage of net charge-offs (x) | 33.7459% | 920 |
| Efficiency ratio | 50.9647% | 7,599 |
| Assets per employee ($millions) | 3.1356% | 5,755 |
| Cash dividends to net income (ytd only)* | 20.9908% | 3,132 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2541% | 4,574 |
| Loan loss allowance to noncurrent loans | 83.3912% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 1.5301% | 3,928 |
| Noncurrent loans to loans | 1.5039% | 4,240 |
| Net loans and leases to total assets | 76.1789% | 2,141 |
| Net loans and leases to deposits | 92.3322% | 2,407 |
| Net loans and leases to core deposits | 116.4920% | 2,670 |
| Total domestic deposits to total assets | 82.5052% | 4,476 |
| Equity capital to assets | 8.7296% | 5,713 |
| Core capital (leverage) ratio | 8.1490% | 6,078 |
| Tier 1 risk-based capital ratio | 9.7582% | 7,175 |
| Total risk-based capital ratio | 10.9064% | 7,213 |
| Memoranda: |
| Average total assets | $240,149,330 | 2,747 |
| Average earning assets | $227,351,000 | 2,661 |
| Average equity | $20,213,000 | 3,209 |
| Average total loans | $185,632,670 | 2,506 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.8546% | 439 |
| Cost of funding earning assets | 1.4643% | 6,525 |
| Net interest margin | 5.3903% | 206 |
| Noninterest income to average assets | 0.6304% | 3,350 |
| Noninterest expense to average assets | 2.7224% | 4,908 |
| Loan and lease loss provision to assets | 0.3881% | 2,997 |
| Net operating income to assets | 1.6831% | 669 |
| Return on assets (ROA) | 1.6831% | 736 |
| Pretax return on assets | 2.6562% | 192 |
| Return on Equity (ROE) | 20.5341% | 387 |
| Retained earnings to average equity (ytd only) | 8.9851% | 1,489 |
| Net charge-offs to loans | 0.0856% | 4,310 |
| Credit loss provision to net charge-offs | 585.7143% | 968 |
| Earnings coverage of net charge-offs (x) | 45.9429% | 772 |
| Efficiency ratio | 47.2095% | 7,776 |
| Assets per employee ($millions) | 2.9792% | 6,215 |
| Cash dividends to net income (ytd only)* | 56.2430% | 1,579 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2523% | 4,408 |
| Loan loss allowance to noncurrent loans | 216.9772% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.6424% | 5,564 |
| Noncurrent loans to loans | 0.5772% | 5,960 |
| Net loans and leases to total assets | 77.0502% | 2,028 |
| Net loans and leases to deposits | 96.9685% | 1,805 |
| Net loans and leases to core deposits | 117.0055% | 2,682 |
| Total domestic deposits to total assets | 79.4590% | 5,559 |
| Equity capital to assets | 8.2563% | 6,456 |
| Core capital (leverage) ratio | 7.7252% | 6,857 |
| Tier 1 risk-based capital ratio | 9.5479% | 7,388 |
| Total risk-based capital ratio | 10.7779% | 7,348 |
| Memoranda: |
| Average total assets | $211,282,500 | 3,099 |
| Average earning assets | $201,325,500 | 3,001 |
| Average equity | $17,317,500 | 3,671 |
| Average total loans | $163,546,000 | 2,788 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1158% | 888 |
| Cost of funding earning assets | 1.9157% | 6,688 |
| Net interest margin | 5.2000% | 344 |
| Noninterest income to average assets | 0.8271% | 2,372 |
| Noninterest expense to average assets | 2.9734% | 4,172 |
| Loan and lease loss provision to assets | 0.3791% | 3,419 |
| Net operating income to assets | 1.5047% | 1,010 |
| Return on assets (ROA) | 1.5047% | 972 |
| Pretax return on assets | 2.3218% | 295 |
| Return on Equity (ROE) | 18.8972% | 458 |
| Retained earnings to average equity (ytd only) | 6.0227% | 1,523 |
| Net charge-offs to loans | 0.0859% | 5,522 |
| Credit loss provision to net charge-offs | 606.4000% | 706 |
| Earnings coverage of net charge-offs (x) | 43.2080% | 853 |
| Efficiency ratio | 52.4015% | 7,449 |
| Assets per employee ($millions) | 2.8898% | 6,337 |
| Cash dividends to net income (ytd only)* | 68.1289% | 2,266 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2059% | 4,483 |
| Loan loss allowance to noncurrent loans | 257.1429% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.6445% | 5,285 |
| Noncurrent loans to loans | 0.4689% | 5,941 |
| Net loans and leases to total assets | 75.8404% | 2,668 |
| Net loans and leases to deposits | 96.0753% | 2,437 |
| Net loans and leases to core deposits | 116.3663% | 3,083 |
| Total domestic deposits to total assets | 78.9385% | 5,398 |
| Equity capital to assets | 8.1346% | 6,648 |
| Core capital (leverage) ratio | 7.4287% | 7,286 |
| Tier 1 risk-based capital ratio | 9.6213% | 7,184 |
| Total risk-based capital ratio | 10.7884% | 7,182 |
| Memoranda: |
| Average total assets | $199,970,400 | 3,143 |
| Average earning assets | $186,403,400 | 3,094 |
| Average equity | $15,923,000 | 3,944 |
| Average total loans | $145,460,600 | 3,003 |
