| 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 | 4.8473% | 2,384 |
| Cost of funding earning assets | 0.5446% | 4,149 |
| Net interest margin | 4.3027% | 806 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 3.6142% | 500 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.6587% | 3,296 |
| Return on assets (ROA) | 0.6587% | 3,273 |
| Pretax return on assets | 0.8907% | 2,988 |
| Return on Equity (ROE) | 3.7400% | 3,926 |
| Retained earnings to average equity (ytd only) | 3.7417% | 3,046 |
| Net charge-offs to loans | 0.0241% | 1,832 |
| Credit loss provision to net charge-offs | -1,178.0488% | 4,569 |
| Earnings coverage of net charge-offs (x) | 46.5854% | 1,337 |
| Efficiency ratio | 80.1104% | 910 |
| Assets per employee ($millions) | 4.8619% | 3,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7361% | 4,073 |
| Loan loss allowance to noncurrent loans | 377.8426% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.1603% | 2,465 |
| Noncurrent loans to loans | 0.1948% | 2,540 |
| Net loans and leases to total assets | 81.7000% | 460 |
| Net loans and leases to deposits | 106.1629% | 287 |
| Net loans and leases to core deposits | 117.6000% | 699 |
| Total domestic deposits to total assets | 76.9600% | 3,849 |
| Equity capital to assets | 20.6270% | 270 |
| Core capital (leverage) ratio | 20.6496% | 245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.2820% | 147 |
| Memoranda: |
| Average total assets | $212,855,600 | 2,891 |
| Average earning assets | $204,198,200 | 2,833 |
| Average equity | $37,469,200 | 1,958 |
| Average total loans | $169,871,800 | 2,523 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6903% | 2,490 |
| Cost of funding earning assets | 0.5025% | 4,131 |
| Net interest margin | 4.1878% | 939 |
| Noninterest income to average assets | 0.1800% | 3,904 |
| Noninterest expense to average assets | 3.4574% | 584 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.5328% | 3,699 |
| Return on assets (ROA) | 0.5328% | 3,682 |
| Pretax return on assets | 0.7244% | 3,497 |
| Return on Equity (ROE) | 3.1600% | 4,086 |
| Retained earnings to average equity (ytd only) | 3.1578% | 3,475 |
| Net charge-offs to loans | 0.0341% | 1,402 |
| Credit loss provision to net charge-offs | 44.1860% | 1,922 |
| Earnings coverage of net charge-offs (x) | 27.2558% | 1,645 |
| Efficiency ratio | 82.4419% | 703 |
| Assets per employee ($millions) | 5.4539% | 3,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0399% | 3,155 |
| Loan loss allowance to noncurrent loans | 835.3488% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.0986% | 2,919 |
| Noncurrent loans to loans | 0.1245% | 2,933 |
| Net loans and leases to total assets | 78.3400% | 841 |
| Net loans and leases to deposits | 103.5430% | 368 |
| Net loans and leases to core deposits | 116.8876% | 639 |
| Total domestic deposits to total assets | 75.6600% | 4,044 |
| Equity capital to assets | 19.8974% | 286 |
| Core capital (leverage) ratio | 20.5351% | 260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.9887% | 152 |
| Memoranda: |
| Average total assets | $212,213,750 | 2,901 |
| Average earning assets | $203,508,000 | 2,855 |
| Average equity | $35,805,000 | 2,019 |
| Average total loans | $168,321,750 | 2,541 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5125% | 2,614 |
| Cost of funding earning assets | 0.3895% | 4,185 |
| Net interest margin | 4.1230% | 1,048 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 3.3696% | 631 |
| Loan and lease loss provision to assets | -0.0200% | 4,411 |
| Net operating income to assets | 0.6850% | 3,371 |
| Return on assets (ROA) | 0.6850% | 3,375 |
| Pretax return on assets | 0.9332% | 3,088 |
| Return on Equity (ROE) | 4.3300% | 3,978 |
| Retained earnings to average equity (ytd only) | 4.3281% | 3,121 |
| Net charge-offs to loans | 0.0539% | 982 |
| Credit loss provision to net charge-offs | -53.3333% | 4,530 |
| Earnings coverage of net charge-offs (x) | 21.2667% | 1,726 |
| Efficiency ratio | 78.7286% | 946 |
| Assets per employee ($millions) | 5.6285% | 3,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0220% | 3,332 |
| Loan loss allowance to noncurrent loans | 3,303.7736% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.0254% | 3,535 |
| Noncurrent loans to loans | 0.0309% | 3,521 |
| Net loans and leases to total assets | 81.4300% | 479 |
| Net loans and leases to deposits | 102.6879% | 408 |
| Net loans and leases to core deposits | 115.8517% | 629 |
| Total domestic deposits to total assets | 79.3000% | 3,680 |
| Equity capital to assets | 16.0303% | 443 |
| Core capital (leverage) ratio | 16.5565% | 423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.6806% | 249 |
| Memoranda: |
| Average total assets | $210,233,667 | 2,934 |
| Average earning assets | $201,795,333 | 2,878 |
| Average equity | $33,271,000 | 2,133 |
| Average total loans | $166,861,667 | 2,545 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2627% | 2,896 |
| Cost of funding earning assets | 0.1989% | 4,382 |
| Net interest margin | 4.0639% | 1,152 |
| Noninterest income to average assets | 0.6500% | 1,252 |
| Noninterest expense to average assets | 3.4599% | 570 |
| Loan and lease loss provision to assets | -0.0900% | 4,566 |
| Net operating income to assets | 0.8654% | 2,974 |
| Return on assets (ROA) | 0.8654% | 2,921 |
| Pretax return on assets | 1.1893% | 2,451 |
| Return on Equity (ROE) | 5.5000% | 3,802 |
| Retained earnings to average equity (ytd only) | 5.5036% | 2,888 |
| Net charge-offs to loans | 0.1142% | 552 |
| Credit loss provision to net charge-offs | -100.0000% | 4,592 |
| Earnings coverage of net charge-offs (x) | 12.3617% | 1,611 |
| Efficiency ratio | 75.8721% | 1,179 |
| Assets per employee ($millions) | 5.8754% | 2,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0334% | 3,370 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 78.1500% | 749 |
| Net loans and leases to deposits | 95.2764% | 700 |
| Net loans and leases to core deposits | 105.9725% | 837 |
| Total domestic deposits to total assets | 82.0200% | 3,485 |
| Equity capital to assets | 15.6915% | 427 |
| Core capital (leverage) ratio | 16.3573% | 440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.4574% | 236 |
| Memoranda: |
| Average total assets | $211,222,500 | 2,964 |
| Average earning assets | $203,156,500 | 2,913 |
| Average equity | $33,214,500 | 2,158 |
| Average total loans | $164,624,000 | 2,591 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5976% | 2,813 |
| Cost of funding earning assets | 0.1166% | 4,304 |
| Net interest margin | 3.4809% | 1,990 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 2.8669% | 1,182 |
| Loan and lease loss provision to assets | 0.1900% | 578 |
| Net operating income to assets | 0.5162% | 4,064 |
| Return on assets (ROA) | 0.5162% | 4,017 |
| Pretax return on assets | 0.6955% | 3,851 |
| Return on Equity (ROE) | 3.4300% | 4,245 |
| Retained earnings to average equity (ytd only) | 3.4347% | 3,584 |
| Net charge-offs to loans | 0.0156% | 1,805 |
| Credit loss provision to net charge-offs | 1,762.5000% | 284 |
| Earnings coverage of net charge-offs (x) | 80.6667% | 1,083 |
| Efficiency ratio | 76.3122% | 978 |
| Assets per employee ($millions) | 6.2038% | 2,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7933% | 4,046 |
| Loan loss allowance to noncurrent loans | 2,428.3019% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.0251% | 3,583 |
| Noncurrent loans to loans | 0.0327% | 3,548 |
| Net loans and leases to total assets | 76.3000% | 978 |
| Net loans and leases to deposits | 92.3880% | 895 |
| Net loans and leases to core deposits | 100.1213% | 1,001 |
| Total domestic deposits to total assets | 82.5900% | 3,517 |
| Equity capital to assets | 15.7584% | 407 |
| Core capital (leverage) ratio | 15.9094% | 462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.7059% | 207 |
| Memoranda: |
| Average total assets | $217,549,600 | 2,921 |
| Average earning assets | $210,892,000 | 2,856 |
| Average equity | $32,696,000 | 2,208 |
| Average total loans | $153,603,800 | 2,602 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2657% | 3,266 |
| Cost of funding earning assets | 0.1122% | 4,178 |
| Net interest margin | 3.1535% | 2,766 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 2.8131% | 1,227 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 0.4166% | 4,211 |
| Return on assets (ROA) | 0.4166% | 4,155 |
| Pretax return on assets | 0.5632% | 4,048 |
| Return on Equity (ROE) | 2.8000% | 4,324 |
| Retained earnings to average equity (ytd only) | 2.8050% | 3,832 |
| Net charge-offs to loans | 0.0475% | 1,008 |
| Credit loss provision to net charge-offs | 451.8519% | 644 |
| Earnings coverage of net charge-offs (x) | 21.6667% | 1,682 |
| Efficiency ratio | 79.8102% | 781 |
| Assets per employee ($millions) | 6.1265% | 2,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6692% | 4,304 |
| Loan loss allowance to noncurrent loans | 282.4607% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.1834% | 2,376 |
| Noncurrent loans to loans | 0.2369% | 2,442 |
| Net loans and leases to total assets | 76.8900% | 814 |
| Net loans and leases to deposits | 93.0459% | 696 |
| Net loans and leases to core deposits | 97.4345% | 925 |
| Total domestic deposits to total assets | 82.6300% | 3,738 |
| Equity capital to assets | 15.7249% | 392 |
| Core capital (leverage) ratio | 15.9114% | 461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.3320% | 234 |
| Memoranda: |
| Average total assets | $219,204,750 | 2,928 |
| Average earning assets | $212,710,250 | 2,862 |
| Average equity | $32,560,250 | 2,248 |
| Average total loans | $151,448,500 | 2,623 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0290% | 3,478 |
| Cost of funding earning assets | 0.1351% | 3,771 |
| Net interest margin | 2.8938% | 3,187 |
| Noninterest income to average assets | 0.5825% | 1,813 |
| Noninterest expense to average assets | 2.7203% | 1,341 |
| Loan and lease loss provision to assets | 0.1607% | 580 |
| Net operating income to assets | 0.3734% | 4,161 |
| Return on assets (ROA) | 0.3734% | 4,119 |
| Pretax return on assets | 0.5080% | 3,983 |
| Return on Equity (ROE) | 2.5604% | 4,283 |
| Retained earnings to average equity (ytd only) | 2.5604% | 3,598 |
| Net charge-offs to loans | 0.0324% | 1,084 |
| Credit loss provision to net charge-offs | 745.8333% | 497 |
| Earnings coverage of net charge-offs (x) | 31.0417% | 1,373 |
| Efficiency ratio | 80.2701% | 923 |
| Assets per employee ($millions) | 6.8791% | 2,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6651% | 4,392 |
| Loan loss allowance to noncurrent loans | 296.3068% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.1599% | 2,588 |
| Noncurrent loans to loans | 0.2245% | 2,603 |
| Net loans and leases to total assets | 70.7655% | 1,228 |
| Net loans and leases to deposits | 84.5873% | 1,082 |
| Net loans and leases to core deposits | 92.5299% | 992 |
| Total domestic deposits to total assets | 83.6597% | 3,754 |
| Equity capital to assets | 14.7840% | 424 |
| Core capital (leverage) ratio | 14.9074% | 483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.2480% | 202 |
| Memoranda: |
| Average total assets | $222,839,667 | 2,923 |
| Average earning assets | $216,113,667 | 2,877 |
| Average equity | $32,495,333 | 2,294 |
| Average total loans | $148,185,667 | 2,666 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8860% | 3,567 |
| Cost of funding earning assets | 0.1382% | 3,659 |
| Net interest margin | 2.7478% | 3,285 |
| Noninterest income to average assets | 0.8207% | 992 |
| Noninterest expense to average assets | 2.7887% | 1,182 |
| Loan and lease loss provision to assets | 0.0892% | 926 |
| Net operating income to assets | 0.4407% | 3,873 |
| Return on assets (ROA) | 0.4407% | 3,836 |
| Pretax return on assets | 0.6030% | 3,624 |
| Return on Equity (ROE) | 3.0427% | 4,078 |
| Retained earnings to average equity (ytd only) | 3.0427% | 3,245 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1128% | 1,145 |
| Assets per employee ($millions) | 8.0910% | 1,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6546% | 4,456 |
| Loan loss allowance to noncurrent loans | 358.3969% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.1156% | 3,002 |
| Noncurrent loans to loans | 0.1826% | 2,902 |
| Net loans and leases to total assets | 62.9088% | 1,751 |
| Net loans and leases to deposits | 76.8959% | 1,374 |
| Net loans and leases to core deposits | 83.4991% | 1,269 |
| Total domestic deposits to total assets | 81.8104% | 4,099 |
| Equity capital to assets | 14.3507% | 470 |
| Core capital (leverage) ratio | 14.7487% | 471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.7420% | 194 |
| Memoranda: |
| Average total assets | $224,194,500 | 2,930 |
| Average earning assets | $217,049,500 | 2,883 |
| Average equity | $32,471,000 | 2,359 |
| Average total loans | $143,869,000 | 2,701 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5064% | 2,640 |
| Cost of funding earning assets | 0.1657% | 3,815 |
| Net interest margin | 3.3407% | 2,206 |
| Noninterest income to average assets | 0.3042% | 3,589 |
| Noninterest expense to average assets | 2.8694% | 1,221 |
| Loan and lease loss provision to assets | -0.0621% | 4,414 |
| Net operating income to assets | 0.5265% | 4,024 |
| Return on assets (ROA) | 0.5265% | 4,074 |
| Pretax return on assets | 0.6976% | 3,932 |
| Return on Equity (ROE) | 3.3354% | 4,314 |
| Retained earnings to average equity (ytd only) | 3.3354% | 3,480 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8681% | 686 |
| Assets per employee ($millions) | 7.1562% | 1,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6162% | 4,537 |
| Loan loss allowance to noncurrent loans | 339.3130% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.1181% | 3,099 |
| Noncurrent loans to loans | 0.1816% | 3,033 |
| Net loans and leases to total assets | 64.6370% | 1,630 |
| Net loans and leases to deposits | 78.6007% | 1,340 |
| Net loans and leases to core deposits | 85.2144% | 1,247 |
| Total domestic deposits to total assets | 82.2347% | 3,928 |
| Equity capital to assets | 14.6190% | 553 |
| Core capital (leverage) ratio | 14.9086% | 475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.2388% | 196 |
| Memoranda: |
| Average total assets | $202,832,000 | 3,044 |
| Average earning assets | $194,328,800 | 3,001 |
| Average equity | $32,020,400 | 2,421 |
| Average total loans | $144,534,000 | 2,682 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6151% | 2,512 |
| Cost of funding earning assets | 0.1753% | 3,867 |
| Net interest margin | 3.4398% | 2,042 |
| Noninterest income to average assets | 0.2800% | 3,757 |
| Noninterest expense to average assets | 2.9119% | 1,107 |
| Loan and lease loss provision to assets | -0.1126% | 4,631 |
| Net operating income to assets | 0.5809% | 4,039 |
| Return on assets (ROA) | 0.5809% | 4,085 |
| Pretax return on assets | 0.7694% | 3,944 |
| Return on Equity (ROE) | 3.6050% | 4,366 |
| Retained earnings to average equity (ytd only) | 3.6050% | 3,708 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5919% | 660 |
| Assets per employee ($millions) | 6.6622% | 2,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6149% | 4,617 |
| Loan loss allowance to noncurrent loans | 320.8333% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.1278% | 3,262 |
| Noncurrent loans to loans | 0.1917% | 3,176 |
| Net loans and leases to total assets | 66.2842% | 1,506 |
| Net loans and leases to deposits | 81.6276% | 1,147 |
| Net loans and leases to core deposits | 89.1534% | 1,083 |
| Total domestic deposits to total assets | 81.2031% | 4,060 |
| Equity capital to assets | 15.6172% | 457 |
| Core capital (leverage) ratio | 16.1074% | 384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.9162% | 197 |
| Memoranda: |
| Average total assets | $198,079,500 | 3,115 |
| Average earning assets | $189,386,750 | 3,072 |
| Average equity | $31,917,750 | 2,463 |
| Average total loans | $144,597,250 | 2,719 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8168% | 2,024 |
| Cost of funding earning assets | 0.1858% | 3,893 |
| Net interest margin | 3.6309% | 1,518 |
| Noninterest income to average assets | 0.2694% | 3,790 |
| Noninterest expense to average assets | 2.9642% | 1,042 |
| Loan and lease loss provision to assets | -0.1711% | 4,731 |
| Net operating income to assets | 0.7078% | 3,742 |
| Return on assets (ROA) | 0.7078% | 3,809 |
| Pretax return on assets | 0.9382% | 3,574 |
| Return on Equity (ROE) | 4.3451% | 4,263 |
| Retained earnings to average equity (ytd only) | 4.3451% | 3,411 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4400% | 819 |
| Assets per employee ($millions) | 6.7958% | 1,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6081% | 4,652 |
| Loan loss allowance to noncurrent loans | 279.5380% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.1438% | 3,289 |
| Noncurrent loans to loans | 0.2175% | 3,177 |
| Net loans and leases to total assets | 65.7175% | 1,718 |
| Net loans and leases to deposits | 80.6415% | 1,365 |
| Net loans and leases to core deposits | 87.8822% | 1,269 |
| Total domestic deposits to total assets | 81.4933% | 4,016 |
| Equity capital to assets | 15.2290% | 494 |
| Core capital (leverage) ratio | 16.6204% | 327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.2386% | 200 |
| Memoranda: |
| Average total assets | $195,263,000 | 3,136 |
| Average earning assets | $186,177,667 | 3,098 |
| Average equity | $31,805,667 | 2,458 |
| Average total loans | $146,882,000 | 2,718 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2729% | 1,085 |
| Cost of funding earning assets | 0.2187% | 3,733 |
| Net interest margin | 4.0541% | 781 |
| Noninterest income to average assets | 0.1834% | 4,278 |
| Noninterest expense to average assets | 3.0561% | 906 |
| Loan and lease loss provision to assets | -0.3562% | 4,884 |
| Net operating income to assets | 0.9938% | 2,828 |
| Return on assets (ROA) | 0.9938% | 2,922 |
| Pretax return on assets | 1.3180% | 2,519 |
| Return on Equity (ROE) | 5.8863% | 3,888 |
| Retained earnings to average equity (ytd only) | 5.8863% | 2,933 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0616% | 1,128 |
| Assets per employee ($millions) | 6.1297% | 2,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5683% | 4,719 |
| Loan loss allowance to noncurrent loans | 325.7692% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.1414% | 3,469 |
| Noncurrent loans to loans | 0.1744% | 3,488 |
| Net loans and leases to total assets | 80.5927% | 303 |
| Net loans and leases to deposits | 102.2266% | 237 |
| Net loans and leases to core deposits | 113.2792% | 340 |
| Total domestic deposits to total assets | 78.8373% | 4,351 |
| Equity capital to assets | 17.3250% | 285 |
| Core capital (leverage) ratio | 16.8683% | 318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.0256% | 193 |
| Memoranda: |
| Average total assets | $187,559,500 | 3,183 |
| Average earning assets | $177,399,000 | 3,146 |
| Average equity | $31,667,000 | 2,452 |
| Average total loans | $150,676,000 | 2,681 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4310% | 1,496 |
| Cost of funding earning assets | 0.3521% | 3,858 |
| Net interest margin | 4.0789% | 826 |
| Noninterest income to average assets | 0.3897% | 3,152 |
| Noninterest expense to average assets | 3.5964% | 602 |
| Loan and lease loss provision to assets | 0.0649% | 3,563 |
| Net operating income to assets | 0.4253% | 4,197 |
| Return on assets (ROA) | 0.4253% | 4,275 |
| Pretax return on assets | 0.5520% | 4,173 |
| Return on Equity (ROE) | 2.5608% | 4,467 |
| Retained earnings to average equity (ytd only) | 2.5608% | 3,569 |
| Net charge-offs to loans | 0.0091% | 2,999 |
| Credit loss provision to net charge-offs | 871.4286% | 850 |
| Earnings coverage of net charge-offs (x) | 82.7857% | 879 |
| Efficiency ratio | 85.3569% | 553 |
| Assets per employee ($millions) | 5.9759% | 2,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6658% | 4,640 |
| Loan loss allowance to noncurrent loans | 132.5490% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 0.4000% | 2,388 |
| Noncurrent loans to loans | 0.5023% | 2,464 |
| Net loans and leases to total assets | 79.1140% | 492 |
| Net loans and leases to deposits | 102.4965% | 300 |
| Net loans and leases to core deposits | 113.3616% | 426 |
| Total domestic deposits to total assets | 77.1870% | 4,393 |
| Equity capital to assets | 16.4593% | 384 |
| Core capital (leverage) ratio | 16.8060% | 328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.6351% | 206 |
| Memoranda: |
| Average total assets | $187,854,400 | 3,040 |
| Average earning assets | $176,099,400 | 3,025 |
| Average equity | $31,200,600 | 2,418 |
| Average total loans | $153,788,200 | 2,627 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5115% | 1,541 |
| Cost of funding earning assets | 0.3804% | 3,914 |
| Net interest margin | 4.1311% | 843 |
| Noninterest income to average assets | 0.4021% | 3,069 |
| Noninterest expense to average assets | 3.3152% | 888 |
| Loan and lease loss provision to assets | 0.0872% | 3,223 |
| Net operating income to assets | 0.6752% | 3,540 |
| Return on assets (ROA) | 0.6752% | 3,652 |
| Pretax return on assets | 0.8791% | 3,435 |
| Return on Equity (ROE) | 4.0557% | 4,145 |
| Retained earnings to average equity (ytd only) | 4.0557% | 3,019 |
| Net charge-offs to loans | 0.0130% | 2,640 |
| Credit loss provision to net charge-offs | 813.3333% | 967 |
| Earnings coverage of net charge-offs (x) | 90.3333% | 848 |
| Efficiency ratio | 77.4355% | 1,094 |
| Assets per employee ($millions) | 5.7745% | 2,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6680% | 4,625 |
| Loan loss allowance to noncurrent loans | 313.6223% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.1748% | 3,555 |
| Noncurrent loans to loans | 0.2130% | 3,528 |
| Net loans and leases to total assets | 81.5147% | 480 |
| Net loans and leases to deposits | 111.5722% | 202 |
| Net loans and leases to core deposits | 124.4718% | 333 |
| Total domestic deposits to total assets | 73.0600% | 4,633 |
| Equity capital to assets | 17.1118% | 362 |
| Core capital (leverage) ratio | 17.1232% | 326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.9181% | 205 |
| Memoranda: |
| Average total assets | $187,010,750 | 3,038 |
| Average earning assets | $175,608,000 | 3,020 |
| Average equity | $31,132,000 | 2,417 |
| Average total loans | $154,159,500 | 2,629 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5922% | 1,661 |
| Cost of funding earning assets | 0.3903% | 4,073 |
| Net interest margin | 4.2019% | 915 |
| Noninterest income to average assets | 0.4378% | 2,871 |
| Noninterest expense to average assets | 3.4045% | 844 |
| Loan and lease loss provision to assets | 0.1300% | 2,721 |
| Net operating income to assets | 0.6626% | 3,539 |
| Return on assets (ROA) | 0.6626% | 3,628 |
| Pretax return on assets | 0.8596% | 3,430 |
| Return on Equity (ROE) | 4.0169% | 4,100 |
| Retained earnings to average equity (ytd only) | 4.0169% | 2,894 |
| Net charge-offs to loans | 0.0219% | 2,283 |
| Credit loss provision to net charge-offs | 717.6471% | 987 |
| Earnings coverage of net charge-offs (x) | 54.6471% | 1,039 |
| Efficiency ratio | 77.4788% | 1,109 |
| Assets per employee ($millions) | 6.0634% | 2,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6431% | 4,682 |
| Loan loss allowance to noncurrent loans | 144.6352% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.3719% | 2,811 |
| Noncurrent loans to loans | 0.4446% | 2,824 |
| Net loans and leases to total assets | 83.1032% | 322 |
| Net loans and leases to deposits | 118.7681% | 105 |
| Net loans and leases to core deposits | 132.8929% | 230 |
| Total domestic deposits to total assets | 69.9710% | 4,784 |
| Equity capital to assets | 16.6536% | 407 |
| Core capital (leverage) ratio | 17.0070% | 351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.4750% | 234 |
| Memoranda: |
| Average total assets | $187,752,667 | 3,013 |
| Average earning assets | $176,776,333 | 2,992 |
| Average equity | $30,969,333 | 2,412 |
| Average total loans | $154,999,333 | 2,614 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7161% | 1,666 |
| Cost of funding earning assets | 0.4306% | 4,234 |
| Net interest margin | 4.2855% | 785 |
| Noninterest income to average assets | 0.4882% | 2,614 |
| Noninterest expense to average assets | 3.3702% | 1,113 |
| Loan and lease loss provision to assets | 0.2494% | 1,243 |
| Net operating income to assets | 0.6715% | 3,362 |
| Return on assets (ROA) | 0.6715% | 3,430 |
| Pretax return on assets | 0.8996% | 3,143 |
| Return on Equity (ROE) | 4.0906% | 3,921 |
| Retained earnings to average equity (ytd only) | 4.0906% | 2,644 |
| Net charge-offs to loans | 0.0156% | 2,059 |
| Credit loss provision to net charge-offs | 1,950.0000% | 350 |
| Earnings coverage of net charge-offs (x) | 89.8333% | 623 |
| Efficiency ratio | 74.5755% | 1,741 |
| Assets per employee ($millions) | 5.5002% | 2,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6398% | 4,705 |
| Loan loss allowance to noncurrent loans | 500.9852% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.1118% | 4,062 |
| Noncurrent loans to loans | 0.1277% | 4,009 |
| Net loans and leases to total assets | 87.0094% | 97 |
| Net loans and leases to deposits | 114.9235% | 122 |
| Net loans and leases to core deposits | 128.2651% | 296 |
| Total domestic deposits to total assets | 75.7107% | 4,514 |
| Equity capital to assets | 17.0714% | 434 |
| Core capital (leverage) ratio | 16.4715% | 463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.9138% | 249 |
| Memoranda: |
| Average total assets | $187,646,500 | 2,974 |
| Average earning assets | $176,503,500 | 2,952 |
| Average equity | $30,802,500 | 2,414 |
| Average total loans | $153,891,000 | 2,601 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8592% | 1,873 |
| Cost of funding earning assets | 0.4740% | 4,193 |
| Net interest margin | 4.3852% | 924 |
| Noninterest income to average assets | 0.4922% | 2,787 |
| Noninterest expense to average assets | 3.6984% | 766 |
| Loan and lease loss provision to assets | 0.0393% | 3,233 |
| Net operating income to assets | 0.6529% | 4,009 |
| Return on assets (ROA) | 0.6529% | 4,083 |
| Pretax return on assets | 0.8756% | 3,814 |
| Return on Equity (ROE) | 3.8221% | 4,510 |
| Retained earnings to average equity (ytd only) | 3.8221% | 3,067 |
| Net charge-offs to loans | 0.0028% | 3,587 |
| Credit loss provision to net charge-offs | 1,725.0000% | 215 |
| Earnings coverage of net charge-offs (x) | 401.5000% | 227 |
| Efficiency ratio | 80.1679% | 929 |
| Assets per employee ($millions) | 5.5367% | 2,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6087% | 4,724 |
| Loan loss allowance to noncurrent loans | 283.1250% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.1651% | 3,816 |
| Noncurrent loans to loans | 0.2150% | 3,686 |
| Net loans and leases to total assets | 76.3372% | 1,354 |
| Net loans and leases to deposits | 102.2930% | 457 |
| Net loans and leases to core deposits | 114.7625% | 641 |
| Total domestic deposits to total assets | 74.6260% | 4,729 |
| Equity capital to assets | 15.8005% | 640 |
| Core capital (leverage) ratio | 16.2930% | 485 |
| Tier 1 risk-based capital ratio | 29.3919% | 499 |
| Total risk-based capital ratio | 30.2610% | 505 |
| Memoranda: |
| Average total assets | $175,534,200 | 3,061 |
| Average earning assets | $164,965,200 | 3,040 |
| Average equity | $29,983,400 | 2,392 |
| Average total loans | $143,536,400 | 2,683 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8182% | 2,063 |
| Cost of funding earning assets | 0.4524% | 4,316 |
| Net interest margin | 4.3659% | 1,018 |
| Noninterest income to average assets | 0.5014% | 2,724 |
| Noninterest expense to average assets | 3.7853% | 672 |
| Loan and lease loss provision to assets | 0.0460% | 2,983 |
| Net operating income to assets | 0.5755% | 4,362 |
| Return on assets (ROA) | 0.5755% | 4,408 |
| Pretax return on assets | 0.7720% | 4,188 |
| Return on Equity (ROE) | 3.2992% | 4,715 |
| Retained earnings to average equity (ytd only) | 3.2992% | 3,761 |
| Net charge-offs to loans | 0.0037% | 3,275 |
| Credit loss provision to net charge-offs | 1,475.0000% | 255 |
| Earnings coverage of net charge-offs (x) | 262.4071% | 351 |
| Efficiency ratio | 82.2294% | 741 |
| Assets per employee ($millions) | 5.3800% | 2,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6052% | 4,810 |
| Loan loss allowance to noncurrent loans | 77.5758% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 0.6506% | 2,060 |
| Noncurrent loans to loans | 0.7802% | 2,011 |
| Net loans and leases to total assets | 82.8809% | 467 |
| Net loans and leases to deposits | 111.3924% | 194 |
| Net loans and leases to core deposits | 120.3471% | 528 |
| Total domestic deposits to total assets | 74.4045% | 4,790 |
| Equity capital to assets | 17.0098% | 484 |
| Core capital (leverage) ratio | 17.6904% | 374 |
| Tier 1 risk-based capital ratio | 30.2177% | 477 |
| Total risk-based capital ratio | 31.1133% | 481 |
| Memoranda: |
| Average total assets | $170,971,500 | 3,135 |
| Average earning assets | $160,636,000 | 3,110 |
| Average equity | $29,824,500 | 2,420 |
| Average total loans | $142,211,500 | 2,724 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8411% | 1,933 |
| Cost of funding earning assets | 0.3957% | 4,531 |
| Net interest margin | 4.4454% | 860 |
| Noninterest income to average assets | 0.5463% | 2,408 |
| Noninterest expense to average assets | 3.8914% | 605 |
| Loan and lease loss provision to assets | 0.0107% | 3,539 |
| Net operating income to assets | 0.6387% | 4,199 |
| Return on assets (ROA) | 0.6387% | 4,245 |
| Pretax return on assets | 0.8247% | 4,031 |
| Return on Equity (ROE) | 3.6297% | 4,663 |
| Retained earnings to average equity (ytd only) | 3.6297% | 3,433 |
| Net charge-offs to loans | 0.0057% | 2,946 |
| Credit loss provision to net charge-offs | 225.0000% | 1,112 |
| Earnings coverage of net charge-offs (x) | 176.2500% | 429 |
| Efficiency ratio | 82.3264% | 780 |
| Assets per employee ($millions) | 4.8567% | 2,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6019% | 4,872 |
| Loan loss allowance to noncurrent loans | 58.8194% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 0.8720% | 1,611 |
| Noncurrent loans to loans | 1.0232% | 1,599 |
| Net loans and leases to total assets | 84.7107% | 309 |
| Net loans and leases to deposits | 120.3679% | 85 |
| Net loans and leases to core deposits | 122.8501% | 463 |
| Total domestic deposits to total assets | 70.3765% | 5,036 |
| Equity capital to assets | 18.1646% | 365 |
| Core capital (leverage) ratio | 18.2983% | 323 |
| Tier 1 risk-based capital ratio | 32.9645% | 391 |
| Total risk-based capital ratio | 33.8943% | 393 |
| Memoranda: |
| Average total assets | $168,782,330 | 3,170 |
| Average earning assets | $158,725,000 | 3,142 |
| Average equity | $29,699,670 | 2,419 |
| Average total loans | $140,268,000 | 2,762 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0310% | 1,265 |
| Cost of funding earning assets | 0.3645% | 4,624 |
| Net interest margin | 4.6665% | 529 |
| Noninterest income to average assets | 0.5602% | 2,227 |
| Noninterest expense to average assets | 3.7293% | 720 |
| Loan and lease loss provision to assets | 0.0492% | 2,675 |
| Net operating income to assets | 0.8673% | 3,369 |
| Return on assets (ROA) | 0.8673% | 3,417 |
| Pretax return on assets | 1.1626% | 2,931 |
| Return on Equity (ROE) | 5.0030% | 4,324 |
| Retained earnings to average equity (ytd only) | 5.0030% | 2,904 |
| Net charge-offs to loans | 0.0114% | 2,280 |
| Credit loss provision to net charge-offs | 525.0000% | 594 |
| Earnings coverage of net charge-offs (x) | 129.2500% | 562 |
| Efficiency ratio | 75.4744% | 1,560 |
| Assets per employee ($millions) | 4.8887% | 2,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6073% | 4,916 |
| Loan loss allowance to noncurrent loans | 166.6019% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.3010% | 3,404 |
| Noncurrent loans to loans | 0.3645% | 3,274 |
| Net loans and leases to total assets | 82.0747% | 581 |
| Net loans and leases to deposits | 109.7750% | 222 |
| Net loans and leases to core deposits | 117.6874% | 590 |
| Total domestic deposits to total assets | 74.7664% | 4,876 |
| Equity capital to assets | 17.4069% | 404 |
| Core capital (leverage) ratio | 17.7137% | 352 |
| Tier 1 risk-based capital ratio | 33.1730% | 378 |
| Total risk-based capital ratio | 34.1261% | 382 |
| Memoranda: |
| Average total assets | $170,649,000 | 3,189 |
| Average earning assets | $160,207,000 | 3,165 |
| Average equity | $29,582,000 | 2,428 |
| Average total loans | $140,077,500 | 2,798 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5851% | 2,172 |
| Cost of funding earning assets | 0.3454% | 4,311 |
| Net interest margin | 4.2397% | 1,301 |
| Noninterest income to average assets | 0.5010% | 2,831 |
| Noninterest expense to average assets | 3.6723% | 805 |
| Loan and lease loss provision to assets | -0.0275% | 5,148 |
| Net operating income to assets | 0.6022% | 4,414 |
| Return on assets (ROA) | 0.6022% | 4,420 |
| Pretax return on assets | 0.8070% | 4,152 |
| Return on Equity (ROE) | 3.5753% | 4,802 |
| Retained earnings to average equity (ytd only) | 3.5753% | 3,620 |
| Net charge-offs to loans | -0.0187% | 4,681 |
| Credit loss provision to net charge-offs | 180.7692% | 1,564 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4898% | 749 |
| Assets per employee ($millions) | 4.7276% | 2,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6056% | 4,960 |
| Loan loss allowance to noncurrent loans | 106.7259% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 0.4630% | 2,711 |
| Noncurrent loans to loans | 0.5675% | 2,568 |
| Net loans and leases to total assets | 81.0973% | 793 |
| Net loans and leases to deposits | 99.0527% | 818 |
| Net loans and leases to core deposits | 115.0059% | 735 |
| Total domestic deposits to total assets | 81.8729% | 3,676 |
| Equity capital to assets | 17.2628% | 400 |
| Core capital (leverage) ratio | 16.9347% | 414 |
| Tier 1 risk-based capital ratio | 32.3551% | 392 |
| Total risk-based capital ratio | 33.2777% | 392 |
| Memoranda: |
| Average total assets | $170,873,000 | 3,158 |
| Average earning assets | $159,232,600 | 3,150 |
| Average equity | $28,781,000 | 2,410 |
| Average total loans | $139,001,800 | 2,780 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3962% | 2,637 |
| Cost of funding earning assets | 0.3637% | 4,091 |
| Net interest margin | 4.0325% | 1,850 |
| Noninterest income to average assets | 0.4950% | 2,903 |
| Noninterest expense to average assets | 3.6349% | 812 |
| Loan and lease loss provision to assets | -0.0226% | 5,244 |
| Net operating income to assets | 0.4708% | 4,818 |
| Return on assets (ROA) | 0.4708% | 4,823 |
| Pretax return on assets | 0.6337% | 4,674 |
| Return on Equity (ROE) | 2.8127% | 5,030 |
| Retained earnings to average equity (ytd only) | 2.8127% | 4,310 |
| Net charge-offs to loans | 0.0067% | 3,192 |
| Credit loss provision to net charge-offs | -414.2857% | 4,458 |
| Earnings coverage of net charge-offs (x) | 112.0375% | 690 |
| Efficiency ratio | 85.6068% | 537 |
| Assets per employee ($millions) | 4.6080% | 2,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6037% | 5,037 |
| Loan loss allowance to noncurrent loans | 42.2723% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 1.1779% | 1,193 |
| Noncurrent loans to loans | 1.4282% | 1,158 |
| Net loans and leases to total assets | 81.9775% | 720 |
| Net loans and leases to deposits | 102.3628% | 624 |
| Net loans and leases to core deposits | 119.7896% | 579 |
| Total domestic deposits to total assets | 80.0852% | 4,100 |
| Equity capital to assets | 17.4203% | 386 |
| Core capital (leverage) ratio | 18.1102% | 321 |
| Tier 1 risk-based capital ratio | 32.2992% | 387 |
| Total risk-based capital ratio | 33.2170% | 394 |
| Memoranda: |
| Average total assets | $171,043,000 | 3,186 |
| Average earning assets | $159,102,250 | 3,178 |
| Average equity | $28,631,250 | 2,426 |
| Average total loans | $139,036,500 | 2,800 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3397% | 2,629 |
| Cost of funding earning assets | 0.3714% | 3,931 |
| Net interest margin | 3.9682% | 1,971 |
| Noninterest income to average assets | 0.5152% | 2,775 |
| Noninterest expense to average assets | 3.6663% | 802 |
| Loan and lease loss provision to assets | -0.0058% | 5,295 |
| Net operating income to assets | 0.3901% | 4,976 |
| Return on assets (ROA) | 0.3901% | 4,982 |
| Pretax return on assets | 0.5279% | 4,856 |
| Return on Equity (ROE) | 2.3614% | 5,126 |
| Retained earnings to average equity (ytd only) | 2.3614% | 4,331 |
| Net charge-offs to loans | 0.0114% | 2,749 |
| Credit loss provision to net charge-offs | -62.5000% | 4,031 |
| Earnings coverage of net charge-offs (x) | 56.3750% | 1,034 |
| Efficiency ratio | 87.5345% | 493 |
| Assets per employee ($millions) | 4.4017% | 3,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6061% | 5,099 |
| Loan loss allowance to noncurrent loans | 32.5287% | 4,723 |
| Noncurrent assets plus other real estate owned to assets | 1.6026% | 798 |
| Noncurrent loans to loans | 1.8634% | 826 |
| Net loans and leases to total assets | 85.4811% | 307 |
| Net loans and leases to deposits | 107.1765% | 385 |
| Net loans and leases to core deposits | 125.6265% | 419 |
| Total domestic deposits to total assets | 79.7573% | 4,295 |
| Equity capital to assets | 17.5932% | 359 |
| Core capital (leverage) ratio | 17.4231% | 353 |
| Tier 1 risk-based capital ratio | 31.6777% | 420 |
| Total risk-based capital ratio | 32.6115% | 429 |
| Memoranda: |
| Average total assets | $172,761,670 | 3,187 |
| Average earning assets | $159,920,670 | 3,190 |
| Average equity | $28,542,330 | 2,443 |
| Average total loans | $139,776,670 | 2,799 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1493% | 3,066 |
| Cost of funding earning assets | 0.3484% | 4,004 |
| Net interest margin | 3.8008% | 2,421 |
| Noninterest income to average assets | 0.4884% | 2,875 |
| Noninterest expense to average assets | 3.4663% | 1,054 |
| Loan and lease loss provision to assets | -0.0360% | 5,450 |
| Net operating income to assets | 0.4232% | 4,878 |
| Return on assets (ROA) | 0.4232% | 4,884 |
| Pretax return on assets | 0.5695% | 4,753 |
| Return on Equity (ROE) | 2.6398% | 5,088 |
| Retained earnings to average equity (ytd only) | 2.6398% | 4,124 |
| Net charge-offs to loans | 0.0143% | 2,249 |
| Credit loss provision to net charge-offs | -320.0000% | 3,902 |
| Earnings coverage of net charge-offs (x) | 47.4000% | 973 |
| Efficiency ratio | 86.6629% | 597 |
| Assets per employee ($millions) | 4.8549% | 2,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6005% | 5,182 |
| Loan loss allowance to noncurrent loans | 66.5610% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 0.7221% | 2,153 |
| Noncurrent loans to loans | 0.9022% | 2,014 |
| Net loans and leases to total assets | 79.5515% | 1,006 |
| Net loans and leases to deposits | 100.9328% | 643 |
| Net loans and leases to core deposits | 117.4587% | 671 |
| Total domestic deposits to total assets | 78.8163% | 4,605 |
| Equity capital to assets | 16.3203% | 463 |
| Core capital (leverage) ratio | 16.3612% | 446 |
| Tier 1 risk-based capital ratio | 30.6322% | 451 |
| Total risk-based capital ratio | 31.5303% | 458 |
| Memoranda: |
| Average total assets | $177,710,500 | 3,154 |
| Average earning assets | $164,174,000 | 3,160 |
| Average equity | $28,487,000 | 2,467 |
| Average total loans | $139,631,500 | 2,816 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2980% | 2,340 |
| Cost of funding earning assets | 0.3903% | 3,330 |
| Net interest margin | 3.9076% | 2,070 |
| Noninterest income to average assets | 0.4311% | 3,428 |
| Noninterest expense to average assets | 3.2435% | 1,523 |
| Loan and lease loss provision to assets | -0.0201% | 5,331 |
| Net operating income to assets | 0.4529% | 4,524 |
| Return on assets (ROA) | 0.4529% | 4,554 |
| Pretax return on assets | 0.8304% | 4,162 |
| Return on Equity (ROE) | 2.8898% | 4,861 |
| Retained earnings to average equity (ytd only) | 2.8898% | 3,582 |
| Net charge-offs to loans | -0.0147% | 4,876 |
| Credit loss provision to net charge-offs | 171.4286% | 1,577 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0110% | 1,100 |
| Assets per employee ($millions) | 5.1613% | 2,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6184% | 5,210 |
| Loan loss allowance to noncurrent loans | 38.9516% | 4,708 |
| Noncurrent assets plus other real estate owned to assets | 1.2251% | 1,198 |
| Noncurrent loans to loans | 1.5877% | 1,059 |
| Net loans and leases to total assets | 76.6830% | 1,483 |
| Net loans and leases to deposits | 96.3773% | 1,054 |
| Net loans and leases to core deposits | 121.3409% | 544 |
| Total domestic deposits to total assets | 79.5654% | 4,428 |
| Equity capital to assets | 15.7491% | 546 |
| Core capital (leverage) ratio | 14.7583% | 670 |
| Tier 1 risk-based capital ratio | 30.5923% | 441 |
| Total risk-based capital ratio | 31.5171% | 449 |
| Memoranda: |
| Average total assets | $179,067,000 | 3,129 |
| Average earning assets | $166,009,000 | 3,129 |
| Average equity | $28,064,200 | 2,485 |
| Average total loans | $142,793,200 | 2,739 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1841% | 2,667 |
| Cost of funding earning assets | 0.3930% | 3,269 |
| Net interest margin | 3.7910% | 2,439 |
| Noninterest income to average assets | 0.4365% | 3,430 |
| Noninterest expense to average assets | 3.2229% | 1,509 |
| Loan and lease loss provision to assets | 0.0142% | 3,865 |
| Net operating income to assets | 0.4283% | 4,932 |
| Return on assets (ROA) | 0.4283% | 4,963 |
| Pretax return on assets | 0.7119% | 4,579 |
| Return on Equity (ROE) | 2.7364% | 5,168 |
| Retained earnings to average equity (ytd only) | 2.7364% | 4,265 |
| Net charge-offs to loans | 0.0121% | 3,305 |
| Credit loss provision to net charge-offs | 146.1538% | 1,722 |
| Earnings coverage of net charge-offs (x) | 74.8586% | 856 |
| Efficiency ratio | 81.6138% | 951 |
| Assets per employee ($millions) | 4.9382% | 2,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6225% | 5,286 |
| Loan loss allowance to noncurrent loans | 30.2326% | 4,935 |
| Noncurrent assets plus other real estate owned to assets | 1.5183% | 998 |
| Noncurrent loans to loans | 2.0590% | 824 |
| Net loans and leases to total assets | 73.2790% | 2,049 |
| Net loans and leases to deposits | 93.4876% | 1,358 |
| Net loans and leases to core deposits | 110.5638% | 992 |
| Total domestic deposits to total assets | 78.3836% | 4,652 |
| Equity capital to assets | 14.6591% | 818 |
| Core capital (leverage) ratio | 15.3964% | 596 |
| Tier 1 risk-based capital ratio | 29.1679% | 510 |
| Total risk-based capital ratio | 30.0794% | 520 |
| Memoranda: |
| Average total assets | $178,672,500 | 3,157 |
| Average earning assets | $165,545,000 | 3,159 |
| Average equity | $27,967,750 | 2,508 |
| Average total loans | $143,645,000 | 2,744 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3384% | 2,005 |
| Cost of funding earning assets | 0.3909% | 3,163 |
| Net interest margin | 3.9475% | 1,789 |
| Noninterest income to average assets | 0.4953% | 3,055 |
| Noninterest expense to average assets | 3.4120% | 1,143 |
| Loan and lease loss provision to assets | 0.0184% | 3,600 |
| Net operating income to assets | 0.4424% | 4,866 |
| Return on assets (ROA) | 0.4424% | 4,891 |
| Pretax return on assets | 0.7206% | 4,495 |
| Return on Equity (ROE) | 2.7619% | 5,178 |
| Retained earnings to average equity (ytd only) | 2.7619% | 4,054 |
| Net charge-offs to loans | 0.0083% | 3,158 |
| Credit loss provision to net charge-offs | 266.6667% | 1,038 |
| Earnings coverage of net charge-offs (x) | 107.1667% | 622 |
| Efficiency ratio | 82.1982% | 985 |
| Assets per employee ($millions) | 4.5217% | 3,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6128% | 5,357 |
| Loan loss allowance to noncurrent loans | 45.3708% | 4,690 |
| Noncurrent assets plus other real estate owned to assets | 1.1086% | 1,569 |
| Noncurrent loans to loans | 1.3507% | 1,432 |
| Net loans and leases to total assets | 81.5770% | 731 |
| Net loans and leases to deposits | 110.7316% | 249 |
| Net loans and leases to core deposits | 134.1086% | 252 |
| Total domestic deposits to total assets | 73.6709% | 5,323 |
| Equity capital to assets | 15.9114% | 542 |
| Core capital (leverage) ratio | 16.0152% | 475 |
| Tier 1 risk-based capital ratio | 29.8241% | 469 |
| Total risk-based capital ratio | 30.7656% | 481 |
| Memoranda: |
| Average total assets | $174,033,330 | 3,236 |
| Average earning assets | $161,163,670 | 3,227 |
| Average equity | $27,879,670 | 2,514 |
| Average total loans | $144,189,330 | 2,742 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6344% | 1,058 |
| Cost of funding earning assets | 0.3929% | 3,069 |
| Net interest margin | 4.2415% | 903 |
| Noninterest income to average assets | 0.5461% | 2,684 |
| Noninterest expense to average assets | 3.2254% | 1,538 |
| Loan and lease loss provision to assets | 0.0069% | 3,468 |
| Net operating income to assets | 0.7427% | 3,509 |
| Return on assets (ROA) | 0.7427% | 3,561 |
| Pretax return on assets | 1.2101% | 2,553 |
| Return on Equity (ROE) | 4.6204% | 4,553 |
| Retained earnings to average equity (ytd only) | 4.6204% | 3,106 |
| Net charge-offs to loans | -0.0028% | 4,049 |
| Credit loss provision to net charge-offs | -300.0000% | 4,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6042% | 2,469 |
| Assets per employee ($millions) | 4.1361% | 3,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6142% | 5,457 |
| Loan loss allowance to noncurrent loans | 46.6914% | 4,719 |
| Noncurrent assets plus other real estate owned to assets | 1.1139% | 1,593 |
| Noncurrent loans to loans | 1.3154% | 1,539 |
| Net loans and leases to total assets | 84.1622% | 354 |
| Net loans and leases to deposits | 111.3752% | 194 |
| Net loans and leases to core deposits | 135.2193% | 211 |
| Total domestic deposits to total assets | 75.5664% | 5,276 |
| Equity capital to assets | 16.4953% | 433 |
| Core capital (leverage) ratio | 16.5199% | 403 |
| Tier 1 risk-based capital ratio | 30.3723% | 465 |
| Total risk-based capital ratio | 31.3276% | 478 |
| Memoranda: |
| Average total assets | $172,877,500 | 3,280 |
| Average earning assets | $158,812,000 | 3,285 |
| Average equity | $27,790,000 | 2,530 |
| Average total loans | $143,912,000 | 2,765 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8836% | 3,633 |
| Cost of funding earning assets | 0.4568% | 2,477 |
| Net interest margin | 3.4267% | 3,722 |
| Noninterest income to average assets | 0.4161% | 3,769 |
| Noninterest expense to average assets | 3.1403% | 1,923 |
| Loan and lease loss provision to assets | -0.0478% | 5,584 |
| Net operating income to assets | 0.3060% | 5,206 |
| Return on assets (ROA) | 0.3060% | 5,273 |
| Pretax return on assets | 0.4977% | 5,030 |
| Return on Equity (ROE) | 1.9741% | 5,411 |
| Retained earnings to average equity (ytd only) | 1.9741% | 4,418 |
| Net charge-offs to loans | 0.0035% | 4,136 |
| Credit loss provision to net charge-offs | -1,640.0000% | 5,361 |
| Earnings coverage of net charge-offs (x) | 154.4000% | 420 |
| Efficiency ratio | 87.4675% | 719 |
| Assets per employee ($millions) | 4.8937% | 2,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6088% | 5,512 |
| Loan loss allowance to noncurrent loans | 42.6214% | 4,832 |
| Noncurrent assets plus other real estate owned to assets | 1.1693% | 1,560 |
| Noncurrent loans to loans | 1.4284% | 1,423 |
| Net loans and leases to total assets | 81.3632% | 689 |
| Net loans and leases to deposits | 107.6215% | 283 |
| Net loans and leases to core deposits | 136.4766% | 207 |
| Total domestic deposits to total assets | 75.6013% | 5,284 |
| Equity capital to assets | 15.6704% | 540 |
| Core capital (leverage) ratio | 16.0587% | 455 |
| Tier 1 risk-based capital ratio | 30.3221% | 469 |
| Total risk-based capital ratio | 31.2843% | 477 |
| Memoranda: |
| Average total assets | $171,573,800 | 3,265 |
| Average earning assets | $158,926,200 | 3,252 |
| Average equity | $26,594,800 | 2,596 |
| Average total loans | $141,371,200 | 2,761 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8502% | 3,768 |
| Cost of funding earning assets | 0.3891% | 3,137 |
| Net interest margin | 3.4611% | 3,621 |
| Noninterest income to average assets | 0.4240% | 3,739 |
| Noninterest expense to average assets | 3.1622% | 1,874 |
| Loan and lease loss provision to assets | -0.0571% | 5,733 |
| Net operating income to assets | 0.3333% | 5,207 |
| Return on assets (ROA) | 0.3333% | 5,285 |
| Pretax return on assets | 0.5414% | 5,034 |
| Return on Equity (ROE) | 2.1562% | 5,444 |
| Retained earnings to average equity (ytd only) | 2.1562% | 4,614 |
| Net charge-offs to loans | -0.0009% | 4,439 |
| Credit loss provision to net charge-offs | 7,300.0000% | 79 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7196% | 762 |
| Assets per employee ($millions) | 4.8621% | 2,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6187% | 5,571 |
| Loan loss allowance to noncurrent loans | 44.9421% | 4,864 |
| Noncurrent assets plus other real estate owned to assets | 1.1352% | 1,776 |
| Noncurrent loans to loans | 1.3767% | 1,600 |
| Net loans and leases to total assets | 81.9450% | 628 |
| Net loans and leases to deposits | 112.3026% | 219 |
| Net loans and leases to core deposits | 143.9970% | 161 |
| Total domestic deposits to total assets | 72.9680% | 5,526 |
| Equity capital to assets | 15.1865% | 693 |
| Core capital (leverage) ratio | 15.6106% | 540 |
| Tier 1 risk-based capital ratio | 29.7232% | 492 |
| Total risk-based capital ratio | 30.7222% | 496 |
| Memoranda: |
| Average total assets | $170,424,000 | 3,294 |
| Average earning assets | $158,672,000 | 3,272 |
| Average equity | $26,341,750 | 2,630 |
| Average total loans | $140,659,500 | 2,772 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8118% | 3,915 |
| Cost of funding earning assets | 0.3572% | 3,486 |
| Net interest margin | 3.4547% | 3,664 |
| Noninterest income to average assets | 0.4524% | 3,505 |
| Noninterest expense to average assets | 3.2578% | 1,674 |
| Loan and lease loss provision to assets | -0.1255% | 5,896 |
| Net operating income to assets | 0.3316% | 5,233 |
| Return on assets (ROA) | 0.3316% | 5,314 |
| Pretax return on assets | 0.5388% | 5,051 |
| Return on Equity (ROE) | 2.1324% | 5,480 |
| Retained earnings to average equity (ytd only) | 2.1324% | 4,507 |
| Net charge-offs to loans | -0.0186% | 4,919 |
| Credit loss provision to net charge-offs | 815.3846% | 442 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7419% | 672 |
| Assets per employee ($millions) | 4.8017% | 2,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6021% | 5,678 |
| Loan loss allowance to noncurrent loans | 37.6511% | 5,111 |
| Noncurrent assets plus other real estate owned to assets | 1.3398% | 1,494 |
| Noncurrent loans to loans | 1.5991% | 1,341 |
| Net loans and leases to total assets | 83.2818% | 484 |
| Net loans and leases to deposits | 114.5621% | 169 |
| Net loans and leases to core deposits | 131.2519% | 286 |
| Total domestic deposits to total assets | 72.6958% | 5,625 |
| Equity capital to assets | 15.2852% | 674 |
| Core capital (leverage) ratio | 15.5709% | 516 |
| Tier 1 risk-based capital ratio | 29.1995% | 528 |
| Total risk-based capital ratio | 30.1631% | 536 |
| Memoranda: |
| Average total assets | $168,886,330 | 3,325 |
| Average earning assets | $157,351,670 | 3,308 |
| Average equity | $26,261,670 | 2,644 |
| Average total loans | $139,437,000 | 2,799 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7572% | 4,112 |
| Cost of funding earning assets | 0.2813% | 4,375 |
| Net interest margin | 3.4759% | 3,569 |
| Noninterest income to average assets | 0.4817% | 3,243 |
| Noninterest expense to average assets | 3.2019% | 1,828 |
| Loan and lease loss provision to assets | -0.1821% | 6,017 |
| Net operating income to assets | 0.4242% | 4,925 |
| Return on assets (ROA) | 0.4242% | 4,999 |
| Pretax return on assets | 0.6902% | 4,553 |
| Return on Equity (ROE) | 2.7042% | 5,330 |
| Retained earnings to average equity (ytd only) | 2.7042% | 4,162 |
| Net charge-offs to loans | -0.0205% | 4,874 |
| Credit loss provision to net charge-offs | 1,085.7143% | 351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3049% | 949 |
| Assets per employee ($millions) | 5.0296% | 2,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6491% | 5,673 |
| Loan loss allowance to noncurrent loans | 38.4880% | 5,111 |
| Noncurrent assets plus other real estate owned to assets | 1.3224% | 1,619 |
| Noncurrent loans to loans | 1.6865% | 1,339 |
| Net loans and leases to total assets | 77.9052% | 1,119 |
| Net loans and leases to deposits | 106.1208% | 338 |
| Net loans and leases to core deposits | 128.3044% | 297 |
| Total domestic deposits to total assets | 73.4118% | 5,661 |
| Equity capital to assets | 14.9281% | 707 |
| Core capital (leverage) ratio | 16.1256% | 456 |
| Tier 1 risk-based capital ratio | 29.5020% | 527 |
| Total risk-based capital ratio | 30.5063% | 529 |
| Memoranda: |
| Average total assets | $166,899,500 | 3,369 |
| Average earning assets | $155,010,500 | 3,352 |
| Average equity | $26,181,500 | 2,645 |
| Average total loans | $136,739,000 | 2,842 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6736% | 4,447 |
| Cost of funding earning assets | 0.2444% | 4,840 |
| Net interest margin | 3.4292% | 3,801 |
| Noninterest income to average assets | 0.3473% | 4,423 |
| Noninterest expense to average assets | 2.9170% | 2,798 |
| Loan and lease loss provision to assets | 0.0603% | 3,096 |
| Net operating income to assets | 0.3448% | 5,227 |
| Return on assets (ROA) | 0.3448% | 5,321 |
| Pretax return on assets | 0.5594% | 4,964 |
| Return on Equity (ROE) | 2.7353% | 5,391 |
| Retained earnings to average equity (ytd only) | 2.7353% | 4,126 |
| Net charge-offs to loans | 0.0089% | 4,142 |
| Credit loss provision to net charge-offs | 863.6364% | 392 |
| Earnings coverage of net charge-offs (x) | 88.7273% | 638 |
| Efficiency ratio | 82.4776% | 1,345 |
| Assets per employee ($millions) | 4.6401% | 2,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7125% | 5,615 |
| Loan loss allowance to noncurrent loans | 46.2830% | 4,959 |
| Noncurrent assets plus other real estate owned to assets | 1.3216% | 1,609 |
| Noncurrent loans to loans | 1.5394% | 1,500 |
| Net loans and leases to total assets | 85.2392% | 292 |
| Net loans and leases to deposits | 110.9301% | 221 |
| Net loans and leases to core deposits | 128.8852% | 285 |
| Total domestic deposits to total assets | 76.8404% | 5,340 |
| Equity capital to assets | 16.5338% | 462 |
| Core capital (leverage) ratio | 16.3589% | 426 |
| Tier 1 risk-based capital ratio | 31.3757% | 449 |
| Total risk-based capital ratio | 32.5335% | 446 |
| Memoranda: |
| Average total assets | $157,490,400 | 3,463 |
| Average earning assets | $146,477,600 | 3,451 |
| Average equity | $19,851,400 | 3,188 |
| Average total loans | $123,406,800 | 3,003 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5810% | 4,794 |
| Cost of funding earning assets | 0.2475% | 4,907 |
| Net interest margin | 3.3335% | 4,207 |
| Noninterest income to average assets | 0.3286% | 4,584 |
| Noninterest expense to average assets | 2.8525% | 2,999 |
| Loan and lease loss provision to assets | 0.0517% | 3,166 |
| Net operating income to assets | 0.3235% | 5,390 |
| Return on assets (ROA) | 0.3235% | 5,470 |
| Pretax return on assets | 0.5268% | 5,158 |
| Return on Equity (ROE) | 2.7842% | 5,460 |
| Retained earnings to average equity (ytd only) | 2.7842% | 4,449 |
| Net charge-offs to loans | 0.0033% | 4,068 |
| Credit loss provision to net charge-offs | 2,033.3333% | 184 |
| Earnings coverage of net charge-offs (x) | 227.6600% | 318 |
| Efficiency ratio | 83.1400% | 1,248 |
| Assets per employee ($millions) | 5.2083% | 2,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7313% | 5,656 |
| Loan loss allowance to noncurrent loans | 43.4521% | 5,130 |
| Noncurrent assets plus other real estate owned to assets | 1.3831% | 1,663 |
| Noncurrent loans to loans | 1.6829% | 1,447 |
| Net loans and leases to total assets | 81.5806% | 628 |
| Net loans and leases to deposits | 106.2561% | 355 |
| Net loans and leases to core deposits | 119.7018% | 479 |
| Total domestic deposits to total assets | 76.7773% | 5,383 |
| Equity capital to assets | 16.6018% | 479 |
| Core capital (leverage) ratio | 17.0143% | 380 |
| Tier 1 risk-based capital ratio | 32.3657% | 434 |
| Total risk-based capital ratio | 33.5351% | 429 |
| Memoranda: |
| Average total assets | $157,422,500 | 3,502 |
| Average earning assets | $146,511,000 | 3,482 |
| Average equity | $18,293,250 | 3,368 |
| Average total loans | $120,398,500 | 3,069 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5563% | 4,843 |
| Cost of funding earning assets | 0.2375% | 5,076 |
| Net interest margin | 3.3187% | 4,217 |
| Noninterest income to average assets | 0.3422% | 4,507 |
| Noninterest expense to average assets | 2.8096% | 3,191 |
| Loan and lease loss provision to assets | 0.0672% | 2,774 |
| Net operating income to assets | 0.3460% | 5,308 |
| Return on assets (ROA) | 0.3460% | 5,414 |
| Pretax return on assets | 0.5640% | 5,065 |
| Return on Equity (ROE) | 3.4679% | 5,244 |
| Retained earnings to average equity (ytd only) | 3.4679% | 3,833 |
| Net charge-offs to loans | -0.0085% | 4,881 |
| Credit loss provision to net charge-offs | -1,060.0000% | 5,364 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6575% | 1,533 |
| Assets per employee ($millions) | 4.9460% | 2,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7542% | 5,706 |
| Loan loss allowance to noncurrent loans | 49.7615% | 5,001 |
| Noncurrent assets plus other real estate owned to assets | 1.4153% | 1,770 |
| Noncurrent loans to loans | 1.5156% | 1,755 |
| Net loans and leases to total assets | 83.2768% | 439 |
| Net loans and leases to deposits | 112.2959% | 220 |
| Net loans and leases to core deposits | 123.6325% | 379 |
| Total domestic deposits to total assets | 74.1584% | 5,774 |
| Equity capital to assets | 10.6287% | 3,290 |
| Core capital (leverage) ratio | 10.5900% | 2,856 |
| Tier 1 risk-based capital ratio | 20.4276% | 1,463 |
| Total risk-based capital ratio | 21.6355% | 1,443 |
| Memoranda: |
| Average total assets | $157,814,000 | 3,522 |
| Average earning assets | $147,345,330 | 3,499 |
| Average equity | $15,744,330 | 3,765 |
| Average total loans | $117,729,000 | 3,129 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2860% | 5,479 |
| Cost of funding earning assets | 0.2714% | 4,769 |
| Net interest margin | 3.0145% | 5,175 |
| Noninterest income to average assets | 0.3421% | 4,461 |
| Noninterest expense to average assets | 2.8327% | 3,130 |
| Loan and lease loss provision to assets | 0.0689% | 2,567 |
| Net operating income to assets | 0.1575% | 5,775 |
| Return on assets (ROA) | 0.1575% | 5,846 |
| Pretax return on assets | 0.2560% | 5,743 |
| Return on Equity (ROE) | 1.6274% | 5,773 |
| Retained earnings to average equity (ytd only) | 1.6274% | 4,825 |
| Net charge-offs to loans | -0.0105% | 4,736 |
| Credit loss provision to net charge-offs | -933.3333% | 4,957 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7116% | 867 |
| Assets per employee ($millions) | 5.3656% | 1,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7792% | 5,740 |
| Loan loss allowance to noncurrent loans | 49.0586% | 5,049 |
| Noncurrent assets plus other real estate owned to assets | 1.2872% | 2,070 |
| Noncurrent loans to loans | 1.5883% | 1,761 |
| Net loans and leases to total assets | 72.1468% | 1,784 |
| Net loans and leases to deposits | 97.3291% | 740 |
| Net loans and leases to core deposits | 109.3510% | 780 |
| Total domestic deposits to total assets | 74.1267% | 5,896 |
| Equity capital to assets | 9.7075% | 4,497 |
| Core capital (leverage) ratio | 9.8312% | 3,848 |
| Tier 1 risk-based capital ratio | 18.7295% | 1,934 |
| Total risk-based capital ratio | 19.8195% | 1,936 |
| Memoranda: |
| Average total assets | $162,530,500 | 3,478 |
| Average earning assets | $151,797,500 | 3,435 |
| Average equity | $15,731,000 | 3,793 |
| Average total loans | $114,340,500 | 3,192 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0999% | 5,958 |
| Cost of funding earning assets | 0.3610% | 4,129 |
| Net interest margin | 2.7390% | 5,886 |
| Noninterest income to average assets | 0.2660% | 5,227 |
| Noninterest expense to average assets | 2.5440% | 4,411 |
| Loan and lease loss provision to assets | -0.1254% | 6,189 |
| Net operating income to assets | 0.4200% | 5,154 |
| Return on assets (ROA) | 0.4200% | 5,226 |
| Pretax return on assets | 0.4224% | 5,435 |
| Return on Equity (ROE) | 4.4804% | 4,900 |
| Retained earnings to average equity (ytd only) | 4.4804% | 2,986 |
| Net charge-offs to loans | -0.0467% | 5,909 |
| Credit loss provision to net charge-offs | 414.0000% | 627 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5478% | 875 |
| Assets per employee ($millions) | 5.4697% | 1,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7892% | 5,802 |
| Loan loss allowance to noncurrent loans | 46.5153% | 5,205 |
| Noncurrent assets plus other real estate owned to assets | 1.2840% | 2,193 |
| Noncurrent loans to loans | 1.6966% | 1,725 |
| Net loans and leases to total assets | 67.4951% | 2,647 |
| Net loans and leases to deposits | 77.8625% | 2,989 |
| Net loans and leases to core deposits | 97.4098% | 1,600 |
| Total domestic deposits to total assets | 86.6849% | 2,463 |
| Equity capital to assets | 9.6507% | 4,531 |
| Core capital (leverage) ratio | 9.4605% | 4,292 |
| Tier 1 risk-based capital ratio | 20.0465% | 1,598 |
| Total risk-based capital ratio | 21.1593% | 1,586 |
| Memoranda: |
| Average total assets | $165,014,600 | 3,412 |
| Average earning assets | $155,132,000 | 3,359 |
| Average equity | $15,467,200 | 3,754 |
| Average total loans | $107,027,600 | 3,289 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0416% | 6,093 |
| Cost of funding earning assets | 0.3662% | 4,174 |
| Net interest margin | 2.6754% | 6,036 |
| Noninterest income to average assets | 0.4067% | 4,197 |
| Noninterest expense to average assets | 2.5400% | 4,393 |
| Loan and lease loss provision to assets | -0.2776% | 6,444 |
| Net operating income to assets | 0.6640% | 4,135 |
| Return on assets (ROA) | 0.6640% | 4,235 |
| Pretax return on assets | 0.6673% | 4,814 |
| Return on Equity (ROE) | 7.1370% | 3,641 |
| Retained earnings to average equity (ytd only) | 7.1370% | 1,745 |
| Net charge-offs to loans | -0.0529% | 5,929 |
| Credit loss provision to net charge-offs | 819.0476% | 383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6979% | 1,120 |
| Assets per employee ($millions) | 5.5326% | 1,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6596% | 6,152 |
| Loan loss allowance to noncurrent loans | 37.5127% | 5,519 |
| Noncurrent assets plus other real estate owned to assets | 1.3104% | 2,364 |
| Noncurrent loans to loans | 1.7583% | 1,846 |
| Net loans and leases to total assets | 66.7835% | 2,724 |
| Net loans and leases to deposits | 81.0005% | 2,548 |
| Net loans and leases to core deposits | 104.2138% | 1,095 |
| Total domestic deposits to total assets | 82.4483% | 4,320 |
| Equity capital to assets | 9.5711% | 4,706 |
| Core capital (leverage) ratio | 9.8471% | 3,876 |
| Tier 1 risk-based capital ratio | 20.4157% | 1,572 |
| Total risk-based capital ratio | 21.3548% | 1,614 |
| Memoranda: |
| Average total assets | $165,245,250 | 3,434 |
| Average earning assets | $155,833,250 | 3,363 |
| Average equity | $15,375,000 | 3,790 |
| Average total loans | $105,875,750 | 3,336 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9823% | 6,199 |
| Cost of funding earning assets | 0.3676% | 4,234 |
| Net interest margin | 2.6146% | 6,155 |
| Noninterest income to average assets | 0.4388% | 3,961 |
| Noninterest expense to average assets | 2.5054% | 4,558 |
| Loan and lease loss provision to assets | -0.4012% | 6,561 |
| Net operating income to assets | 0.8000% | 3,335 |
| Return on assets (ROA) | 0.8000% | 3,439 |
| Pretax return on assets | 0.8000% | 4,265 |
| Return on Equity (ROE) | 8.6815% | 2,734 |
| Retained earnings to average equity (ytd only) | 8.6815% | 1,080 |
| Net charge-offs to loans | -0.0731% | 6,033 |
| Credit loss provision to net charge-offs | 871.0526% | 376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2688% | 1,248 |
| Assets per employee ($millions) | 5.5472% | 1,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6814% | 6,202 |
| Loan loss allowance to noncurrent loans | 37.3621% | 5,583 |
| Noncurrent assets plus other real estate owned to assets | 1.3262% | 2,465 |
| Noncurrent loans to loans | 1.8237% | 1,882 |
| Net loans and leases to total assets | 65.2527% | 2,873 |
| Net loans and leases to deposits | 81.6738% | 2,288 |
| Net loans and leases to core deposits | 107.4478% | 800 |
| Total domestic deposits to total assets | 79.8944% | 5,267 |
| Equity capital to assets | 9.4390% | 4,801 |
| Core capital (leverage) ratio | 9.7356% | 3,988 |
| Tier 1 risk-based capital ratio | 20.6560% | 1,523 |
| Total risk-based capital ratio | 21.6275% | 1,569 |
| Memoranda: |
| Average total assets | $165,001,000 | 3,460 |
| Average earning assets | $155,585,330 | 3,384 |
| Average equity | $15,204,670 | 3,820 |
| Average total loans | $103,973,670 | 3,377 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9043% | 6,321 |
| Cost of funding earning assets | 0.3753% | 4,248 |
| Net interest margin | 2.5290% | 6,310 |
| Noninterest income to average assets | 0.4553% | 3,746 |
| Noninterest expense to average assets | 2.6148% | 4,222 |
| Loan and lease loss provision to assets | -0.2873% | 6,612 |
| Net operating income to assets | 0.5064% | 4,658 |
| Return on assets (ROA) | 0.5064% | 4,741 |
| Pretax return on assets | 0.5064% | 5,153 |
| Return on Equity (ROE) | 5.5641% | 4,249 |
| Retained earnings to average equity (ytd only) | 5.5641% | 2,760 |
| Net charge-offs to loans | -0.0711% | 5,963 |
| Credit loss provision to net charge-offs | 655.5556% | 435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2680% | 863 |
| Assets per employee ($millions) | 5.6009% | 1,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8967% | 5,878 |
| Loan loss allowance to noncurrent loans | 45.0962% | 5,387 |
| Noncurrent assets plus other real estate owned to assets | 1.4117% | 2,507 |
| Noncurrent loans to loans | 1.9884% | 1,882 |
| Net loans and leases to total assets | 63.8262% | 2,924 |
| Net loans and leases to deposits | 73.2989% | 3,152 |
| Net loans and leases to core deposits | 95.0073% | 1,466 |
| Total domestic deposits to total assets | 87.0767% | 2,758 |
| Equity capital to assets | 9.3488% | 4,701 |
| Core capital (leverage) ratio | 9.4968% | 4,280 |
| Tier 1 risk-based capital ratio | 20.1277% | 1,689 |
| Total risk-based capital ratio | 21.3548% | 1,662 |
| Memoranda: |
| Average total assets | $164,293,500 | 3,491 |
| Average earning assets | $154,530,500 | 3,426 |
| Average equity | $14,953,000 | 3,869 |
| Average total loans | $101,292,500 | 3,441 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0540% | 6,285 |
| Cost of funding earning assets | 0.4380% | 4,240 |
| Net interest margin | 2.6159% | 6,248 |
| Noninterest income to average assets | 0.4500% | 4,090 |
| Noninterest expense to average assets | 2.6168% | 4,400 |
| Loan and lease loss provision to assets | -0.1108% | 6,500 |
| Net operating income to assets | 0.3279% | 5,423 |
| Return on assets (ROA) | 0.3279% | 5,532 |
| Pretax return on assets | 0.3279% | 5,653 |
| Return on Equity (ROE) | 3.4108% | 5,361 |
| Retained earnings to average equity (ytd only) | 3.4108% | 3,808 |
| Net charge-offs to loans | -0.0669% | 6,395 |
| Credit loss provision to net charge-offs | 275.4098% | 824 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3399% | 850 |
| Assets per employee ($millions) | 5.5387% | 1,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0594% | 5,308 |
| Loan loss allowance to noncurrent loans | 68.9243% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 1.0069% | 3,405 |
| Noncurrent loans to loans | 1.5371% | 2,588 |
| Net loans and leases to total assets | 58.3402% | 3,974 |
| Net loans and leases to deposits | 66.4223% | 4,252 |
| Net loans and leases to core deposits | 85.7373% | 2,480 |
| Total domestic deposits to total assets | 87.8322% | 2,285 |
| Equity capital to assets | 8.8595% | 5,191 |
| Core capital (leverage) ratio | 9.5046% | 4,259 |
| Tier 1 risk-based capital ratio | 20.8292% | 1,458 |
| Total risk-based capital ratio | 22.0814% | 1,439 |
| Memoranda: |
| Average total assets | $151,559,200 | 3,676 |
| Average earning assets | $138,114,800 | 3,695 |
| Average equity | $14,571,400 | 3,954 |
| Average total loans | $91,188,800 | 3,661 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1334% | 6,280 |
| Cost of funding earning assets | 0.4541% | 4,235 |
| Net interest margin | 2.6793% | 6,208 |
| Noninterest income to average assets | 0.4534% | 4,132 |
| Noninterest expense to average assets | 2.6538% | 4,186 |
| Loan and lease loss provision to assets | -0.1100% | 6,640 |
| Net operating income to assets | 0.3245% | 5,517 |
| Return on assets (ROA) | 0.3245% | 5,642 |
| Pretax return on assets | 0.3245% | 5,811 |
| Return on Equity (ROE) | 3.3025% | 5,496 |
| Retained earnings to average equity (ytd only) | 3.3025% | 4,327 |
| Net charge-offs to loans | -0.1341% | 6,573 |
| Credit loss provision to net charge-offs | 135.5556% | 1,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5204% | 821 |
| Assets per employee ($millions) | 5.0056% | 2,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1964% | 4,878 |
| Loan loss allowance to noncurrent loans | 48.0570% | 5,300 |
| Noncurrent assets plus other real estate owned to assets | 1.7121% | 2,399 |
| Noncurrent loans to loans | 2.4896% | 1,736 |
| Net loans and leases to total assets | 61.2072% | 3,491 |
| Net loans and leases to deposits | 70.5904% | 3,703 |
| Net loans and leases to core deposits | 94.5140% | 1,527 |
| Total domestic deposits to total assets | 86.7075% | 2,848 |
| Equity capital to assets | 9.7272% | 4,271 |
| Core capital (leverage) ratio | 10.1211% | 3,497 |
| Tier 1 risk-based capital ratio | 22.2382% | 1,275 |
| Total risk-based capital ratio | 23.4930% | 1,250 |
| Memoranda: |
| Average total assets | $147,909,000 | 3,780 |
| Average earning assets | $133,314,750 | 3,810 |
| Average equity | $14,534,000 | 4,004 |
| Average total loans | $89,492,000 | 3,731 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2257% | 6,198 |
| Cost of funding earning assets | 0.4701% | 4,203 |
| Net interest margin | 2.7556% | 6,088 |
| Noninterest income to average assets | 0.4906% | 3,895 |
| Noninterest expense to average assets | 2.6679% | 4,147 |
| Loan and lease loss provision to assets | -0.1033% | 6,717 |
| Net operating income to assets | 0.3398% | 5,449 |
| Return on assets (ROA) | 0.3398% | 5,617 |
| Pretax return on assets | 0.3398% | 5,773 |
| Return on Equity (ROE) | 3.4460% | 5,451 |
| Retained earnings to average equity (ytd only) | 3.4460% | 4,126 |
| Net charge-offs to loans | -0.1427% | 6,586 |
| Credit loss provision to net charge-offs | 120.6349% | 1,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8577% | 901 |
| Assets per employee ($millions) | 5.6257% | 1,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2214% | 4,879 |
| Loan loss allowance to noncurrent loans | 54.9781% | 5,005 |
| Noncurrent assets plus other real estate owned to assets | 1.4979% | 2,856 |
| Noncurrent loans to loans | 2.2216% | 2,147 |
| Net loans and leases to total assets | 62.5896% | 3,183 |
| Net loans and leases to deposits | 72.3980% | 3,396 |
| Net loans and leases to core deposits | 97.9081% | 1,221 |
| Total domestic deposits to total assets | 86.4522% | 3,139 |
| Equity capital to assets | 9.9312% | 3,999 |
| Core capital (leverage) ratio | 9.7814% | 3,817 |
| Tier 1 risk-based capital ratio | 22.1217% | 1,262 |
| Total risk-based capital ratio | 23.3770% | 1,238 |
| Memoranda: |
| Average total assets | $147,156,330 | 3,817 |
| Average earning assets | $128,902,000 | 3,923 |
| Average equity | $14,509,670 | 4,046 |
| Average total loans | $88,314,000 | 3,763 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3876% | 5,971 |
| Cost of funding earning assets | 0.5022% | 4,062 |
| Net interest margin | 2.8853% | 5,840 |
| Noninterest income to average assets | 0.5176% | 3,652 |
| Noninterest expense to average assets | 2.8265% | 3,608 |
| Loan and lease loss provision to assets | -0.1870% | 6,891 |
| Net operating income to assets | 0.2602% | 5,695 |
| Return on assets (ROA) | 0.2602% | 5,819 |
| Pretax return on assets | 0.2602% | 5,933 |
| Return on Equity (ROE) | 2.6480% | 5,725 |
| Retained earnings to average equity (ytd only) | 2.6480% | 4,695 |
| Net charge-offs to loans | -0.2415% | 6,723 |
| Credit loss provision to net charge-offs | 132.6923% | 1,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4766% | 660 |
| Assets per employee ($millions) | 5.1229% | 2,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2776% | 4,808 |
| Loan loss allowance to noncurrent loans | 57.9353% | 4,817 |
| Noncurrent assets plus other real estate owned to assets | 1.3105% | 3,342 |
| Noncurrent loans to loans | 2.2052% | 2,380 |
| Net loans and leases to total assets | 58.6713% | 3,671 |
| Net loans and leases to deposits | 67.6852% | 3,804 |
| Net loans and leases to core deposits | 90.5234% | 1,654 |
| Total domestic deposits to total assets | 86.6826% | 3,139 |
| Equity capital to assets | 9.7823% | 4,451 |
| Core capital (leverage) ratio | 9.9183% | 3,505 |
| Tier 1 risk-based capital ratio | 21.8466% | 1,361 |
| Total risk-based capital ratio | 23.1025% | 1,330 |
| Memoranda: |
| Average total assets | $147,601,000 | 3,852 |
| Average earning assets | $121,857,500 | 4,120 |
| Average equity | $14,501,500 | 4,093 |
| Average total loans | $86,131,000 | 3,838 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7445% | 5,958 |
| Cost of funding earning assets | 0.6228% | 4,152 |
| Net interest margin | 3.1217% | 5,760 |
| Noninterest income to average assets | 0.4880% | 3,978 |
| Noninterest expense to average assets | 2.7560% | 4,193 |
| Loan and lease loss provision to assets | 0.4503% | 1,397 |
| Net operating income to assets | -0.3062% | 6,446 |
| Return on assets (ROA) | -0.3062% | 6,500 |
| Pretax return on assets | -0.3062% | 6,482 |
| Return on Equity (ROE) | -2.7879% | 6,491 |
| Retained earnings to average equity (ytd only) | -2.7879% | 6,246 |
| Net charge-offs to loans | 0.6127% | 1,907 |
| Credit loss provision to net charge-offs | 122.3361% | 2,334 |
| Earnings coverage of net charge-offs (x) | 0.3914% | 5,288 |
| Efficiency ratio | 95.0325% | 750 |
| Assets per employee ($millions) | 5.0564% | 2,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3636% | 4,339 |
| Loan loss allowance to noncurrent loans | 53.2558% | 4,972 |
| Noncurrent assets plus other real estate owned to assets | 1.4662% | 3,185 |
| Noncurrent loans to loans | 2.5605% | 2,064 |
| Net loans and leases to total assets | 56.4823% | 4,209 |
| Net loans and leases to deposits | 63.1170% | 4,647 |
| Net loans and leases to core deposits | 82.0657% | 2,762 |
| Total domestic deposits to total assets | 89.4883% | 1,250 |
| Equity capital to assets | 9.8679% | 4,356 |
| Core capital (leverage) ratio | 9.6899% | 3,819 |
| Tier 1 risk-based capital ratio | 14.6950% | 3,898 |
| Total risk-based capital ratio | 15.8583% | 3,914 |
| Memoranda: |
| Average total assets | $132,585,800 | 4,093 |
| Average earning assets | $102,442,800 | 4,532 |
| Average equity | $14,562,800 | 4,050 |
| Average total loans | $79,650,400 | 4,052 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7241% | 6,185 |
| Cost of funding earning assets | 0.6170% | 4,480 |
| Net interest margin | 3.1071% | 5,929 |
| Noninterest income to average assets | 0.4586% | 4,221 |
| Noninterest expense to average assets | 2.8448% | 3,823 |
| Loan and lease loss provision to assets | 0.6580% | 796 |
| Net operating income to assets | -0.5630% | 6,726 |
| Return on assets (ROA) | -0.5630% | 6,753 |
| Pretax return on assets | -0.5630% | 6,730 |
| Return on Equity (ROE) | -4.9818% | 6,714 |
| Retained earnings to average equity (ytd only) | -4.9818% | 6,613 |
| Net charge-offs to loans | 0.8587% | 1,281 |
| Credit loss provision to net charge-offs | 125.8893% | 2,287 |
| Earnings coverage of net charge-offs (x) | 0.1818% | 5,238 |
| Efficiency ratio | 96.7674% | 647 |
| Assets per employee ($millions) | 5.4866% | 1,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4431% | 4,182 |
| Loan loss allowance to noncurrent loans | 60.8446% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 1.3445% | 3,608 |
| Noncurrent loans to loans | 2.3718% | 2,431 |
| Net loans and leases to total assets | 55.8695% | 4,475 |
| Net loans and leases to deposits | 62.5223% | 4,901 |
| Net loans and leases to core deposits | 95.0812% | 1,480 |
| Total domestic deposits to total assets | 89.3594% | 1,210 |
| Equity capital to assets | 10.0622% | 4,401 |
| Core capital (leverage) ratio | 10.7087% | 2,691 |
| Tier 1 risk-based capital ratio | 17.5186% | 2,537 |
| Total risk-based capital ratio | 18.7709% | 2,499 |
| Memoranda: |
| Average total assets | $129,073,000 | 4,208 |
| Average earning assets | $103,073,250 | 4,571 |
| Average equity | $14,586,000 | 4,080 |
| Average total loans | $78,570,750 | 4,124 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7232% | 6,296 |
| Cost of funding earning assets | 0.6011% | 4,892 |
| Net interest margin | 3.1221% | 5,940 |
| Noninterest income to average assets | 0.5524% | 3,570 |
| Noninterest expense to average assets | 3.0719% | 3,009 |
| Loan and lease loss provision to assets | 1.0245% | 429 |
| Net operating income to assets | -1.0085% | 6,914 |
| Return on assets (ROA) | -1.0085% | 6,932 |
| Pretax return on assets | -1.0085% | 6,896 |
| Return on Equity (ROE) | -8.5656% | 6,874 |
| Retained earnings to average equity (ytd only) | -8.5656% | 6,791 |
| Net charge-offs to loans | 1.3058% | 814 |
| Credit loss provision to net charge-offs | 125.5906% | 2,187 |
| Earnings coverage of net charge-offs (x) | 0.0197% | 5,072 |
| Efficiency ratio | 99.4800% | 581 |
| Assets per employee ($millions) | 5.1512% | 1,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4724% | 4,150 |
| Loan loss allowance to noncurrent loans | 59.5810% | 4,653 |
| Noncurrent assets plus other real estate owned to assets | 1.5197% | 3,424 |
| Noncurrent loans to loans | 2.4713% | 2,432 |
| Net loans and leases to total assets | 60.5875% | 3,717 |
| Net loans and leases to deposits | 68.6571% | 4,095 |
| Net loans and leases to core deposits | 85.1029% | 2,544 |
| Total domestic deposits to total assets | 88.2465% | 1,990 |
| Equity capital to assets | 11.0748% | 3,042 |
| Core capital (leverage) ratio | 10.8441% | 2,441 |
| Tier 1 risk-based capital ratio | 18.4300% | 2,153 |
| Total risk-based capital ratio | 19.6827% | 2,112 |
| Memoranda: |
| Average total assets | $124,546,670 | 4,321 |
| Average earning assets | $101,148,670 | 4,640 |
| Average equity | $14,663,330 | 4,056 |
| Average total loans | $77,805,670 | 4,159 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6883% | 6,457 |
| Cost of funding earning assets | 0.5218% | 5,668 |
| Net interest margin | 3.1665% | 5,858 |
| Noninterest income to average assets | 0.6273% | 3,069 |
| Noninterest expense to average assets | 3.2051% | 2,577 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0392% | 6,354 |
| Return on assets (ROA) | 0.0392% | 6,471 |
| Pretax return on assets | 0.0392% | 6,469 |
| Return on Equity (ROE) | 0.3229% | 6,471 |
| Retained earnings to average equity (ytd only) | 0.3229% | 5,883 |
| Net charge-offs to loans | 0.0778% | 3,718 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.8000% | 3,936 |
| Efficiency ratio | 98.7915% | 597 |
| Assets per employee ($millions) | 5.1740% | 2,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3116% | 4,970 |
| Loan loss allowance to noncurrent loans | 52.4127% | 4,930 |
| Noncurrent assets plus other real estate owned to assets | 1.4481% | 3,696 |
| Noncurrent loans to loans | 2.5025% | 2,606 |
| Net loans and leases to total assets | 57.1046% | 4,199 |
| Net loans and leases to deposits | 64.6328% | 4,550 |
| Net loans and leases to core deposits | 86.6417% | 2,213 |
| Total domestic deposits to total assets | 88.3524% | 2,096 |
| Equity capital to assets | 11.0552% | 2,843 |
| Core capital (leverage) ratio | 12.3141% | 1,429 |
| Tier 1 risk-based capital ratio | 23.0779% | 1,120 |
| Total risk-based capital ratio | 24.3324% | 1,106 |
| Memoranda: |
| Average total assets | $122,430,500 | 4,397 |
| Average earning assets | $101,184,500 | 4,669 |
| Average equity | $14,864,000 | 4,020 |
| Average total loans | $77,113,500 | 4,211 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3449% | 5,616 |
| Cost of funding earning assets | 0.4937% | 6,560 |
| Net interest margin | 3.8512% | 3,560 |
| Noninterest income to average assets | 0.5662% | 3,385 |
| Noninterest expense to average assets | 3.3664% | 2,323 |
| Loan and lease loss provision to assets | -0.2280% | 7,309 |
| Net operating income to assets | 0.5072% | 4,395 |
| Return on assets (ROA) | 0.5634% | 4,365 |
| Pretax return on assets | 0.5998% | 4,696 |
| Return on Equity (ROE) | 4.1105% | 4,799 |
| Retained earnings to average equity (ytd only) | 4.1105% | 3,262 |
| Net charge-offs to loans | -0.1638% | 7,192 |
| Credit loss provision to net charge-offs | 200.0000% | 1,243 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5164% | 1,077 |
| Assets per employee ($millions) | 4.2437% | 3,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3563% | 4,642 |
| Loan loss allowance to noncurrent loans | 51.6708% | 4,932 |
| Noncurrent assets plus other real estate owned to assets | 1.8172% | 3,237 |
| Noncurrent loans to loans | 2.6248% | 2,485 |
| Net loans and leases to total assets | 68.2914% | 2,337 |
| Net loans and leases to deposits | 79.6040% | 2,596 |
| Net loans and leases to core deposits | 91.7828% | 1,910 |
| Total domestic deposits to total assets | 85.7889% | 3,434 |
| Equity capital to assets | 13.4643% | 1,286 |
| Core capital (leverage) ratio | 13.5386% | 950 |
| Tier 1 risk-based capital ratio | 23.4018% | 1,045 |
| Total risk-based capital ratio | 24.6546% | 1,026 |
| Memoranda: |
| Average total assets | $107,028,600 | 4,706 |
| Average earning assets | $86,491,600 | 5,046 |
| Average equity | $14,669,800 | 3,977 |
| Average total loans | $74,460,600 | 4,331 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3435% | 5,799 |
| Cost of funding earning assets | 0.4888% | 6,748 |
| Net interest margin | 3.8547% | 3,589 |
| Noninterest income to average assets | 0.6001% | 3,159 |
| Noninterest expense to average assets | 3.4148% | 2,153 |
| Loan and lease loss provision to assets | -0.3314% | 7,400 |
| Net operating income to assets | 0.6353% | 3,943 |
| Return on assets (ROA) | 0.7131% | 3,717 |
| Pretax return on assets | 0.7131% | 4,424 |
| Return on Equity (ROE) | 5.1788% | 4,466 |
| Retained earnings to average equity (ytd only) | 5.1788% | 3,077 |
| Net charge-offs to loans | -0.2271% | 7,275 |
| Credit loss provision to net charge-offs | 209.5238% | 1,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8298% | 1,041 |
| Assets per employee ($millions) | 3.9094% | 4,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3220% | 4,906 |
| Loan loss allowance to noncurrent loans | 49.4905% | 5,048 |
| Noncurrent assets plus other real estate owned to assets | 2.1319% | 3,000 |
| Noncurrent loans to loans | 2.6713% | 2,609 |
| Net loans and leases to total assets | 74.9009% | 1,158 |
| Net loans and leases to deposits | 88.3326% | 1,391 |
| Net loans and leases to core deposits | 97.8448% | 1,433 |
| Total domestic deposits to total assets | 84.7941% | 3,873 |
| Equity capital to assets | 14.5959% | 958 |
| Core capital (leverage) ratio | 14.3249% | 811 |
| Tier 1 risk-based capital ratio | 23.6164% | 1,056 |
| Total risk-based capital ratio | 24.8714% | 1,040 |
| Memoranda: |
| Average total assets | $106,201,750 | 4,759 |
| Average earning assets | $85,918,750 | 5,094 |
| Average equity | $14,623,250 | 3,995 |
| Average total loans | $73,979,250 | 4,386 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2531% | 6,152 |
| Cost of funding earning assets | 0.4927% | 6,867 |
| Net interest margin | 3.7604% | 3,988 |
| Noninterest income to average assets | 0.6647% | 2,741 |
| Noninterest expense to average assets | 3.2993% | 2,566 |
| Loan and lease loss provision to assets | -0.5626% | 7,483 |
| Net operating income to assets | 0.9747% | 2,333 |
| Return on assets (ROA) | 0.9747% | 2,437 |
| Pretax return on assets | 0.9747% | 3,338 |
| Return on Equity (ROE) | 7.2153% | 3,342 |
| Retained earnings to average equity (ytd only) | 7.2153% | 1,780 |
| Net charge-offs to loans | -0.4608% | 7,393 |
| Credit loss provision to net charge-offs | 180.3571% | 1,675 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8944% | 1,333 |
| Assets per employee ($millions) | 4.2506% | 3,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3487% | 4,837 |
| Loan loss allowance to noncurrent loans | 41.5685% | 5,544 |
| Noncurrent assets plus other real estate owned to assets | 2.3705% | 2,782 |
| Noncurrent loans to loans | 3.2445% | 2,197 |
| Net loans and leases to total assets | 70.4180% | 2,129 |
| Net loans and leases to deposits | 84.4514% | 2,041 |
| Net loans and leases to core deposits | 93.4451% | 1,967 |
| Total domestic deposits to total assets | 83.3829% | 4,593 |
| Equity capital to assets | 13.9408% | 1,115 |
| Core capital (leverage) ratio | 13.8432% | 912 |
| Tier 1 risk-based capital ratio | 23.0502% | 1,110 |
| Total risk-based capital ratio | 24.3046% | 1,094 |
| Memoranda: |
| Average total assets | $107,720,670 | 4,765 |
| Average earning assets | $87,277,000 | 5,088 |
| Average equity | $14,552,330 | 3,998 |
| Average total loans | $72,921,330 | 4,463 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1379% | 6,425 |
| Cost of funding earning assets | 0.4801% | 7,038 |
| Net interest margin | 3.6579% | 4,292 |
| Noninterest income to average assets | 0.6565% | 2,800 |
| Noninterest expense to average assets | 3.2900% | 2,590 |
| Loan and lease loss provision to assets | -0.7782% | 7,553 |
| Net operating income to assets | 1.0954% | 1,857 |
| Return on assets (ROA) | 1.0954% | 1,901 |
| Pretax return on assets | 1.0954% | 2,772 |
| Return on Equity (ROE) | 8.2377% | 2,812 |
| Retained earnings to average equity (ytd only) | 8.2377% | 1,644 |
| Net charge-offs to loans | -0.6046% | 7,433 |
| Credit loss provision to net charge-offs | 195.3704% | 1,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2065% | 1,227 |
| Assets per employee ($millions) | 4.0773% | 3,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4583% | 4,402 |
| Loan loss allowance to noncurrent loans | 43.6183% | 5,390 |
| Noncurrent assets plus other real estate owned to assets | 2.1992% | 3,066 |
| Noncurrent loans to loans | 3.3433% | 2,243 |
| Net loans and leases to total assets | 64.8196% | 3,280 |
| Net loans and leases to deposits | 75.4792% | 3,497 |
| Net loans and leases to core deposits | 87.1452% | 2,711 |
| Total domestic deposits to total assets | 85.8775% | 3,593 |
| Equity capital to assets | 13.2286% | 1,290 |
| Core capital (leverage) ratio | 13.4745% | 975 |
| Tier 1 risk-based capital ratio | 22.2569% | 1,183 |
| Total risk-based capital ratio | 23.5107% | 1,157 |
| Memoranda: |
| Average total assets | $108,449,000 | 4,778 |
| Average earning assets | $87,483,000 | 5,110 |
| Average equity | $14,421,500 | 4,016 |
| Average total loans | $71,456,000 | 4,562 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0556% | 7,088 |
| Cost of funding earning assets | 0.6172% | 7,089 |
| Net interest margin | 3.4384% | 5,480 |
| Noninterest income to average assets | 0.5118% | 4,078 |
| Noninterest expense to average assets | 3.8490% | 1,391 |
| Loan and lease loss provision to assets | 0.9737% | 1,664 |
| Net operating income to assets | -0.9900% | 6,675 |
| Return on assets (ROA) | -0.9900% | 6,717 |
| Pretax return on assets | -1.0961% | 6,692 |
| Return on Equity (ROE) | -6.6077% | 6,535 |
| Retained earnings to average equity (ytd only) | -6.6077% | 6,435 |
| Net charge-offs to loans | 1.1432% | 1,947 |
| Credit loss provision to net charge-offs | 116.7482% | 3,671 |
| Earnings coverage of net charge-offs (x) | -0.1467% | 6,258 |
| Efficiency ratio | 103.2832% | 689 |
| Assets per employee ($millions) | 3.9560% | 3,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6426% | 3,416 |
| Loan loss allowance to noncurrent loans | 38.2431% | 5,754 |
| Noncurrent assets plus other real estate owned to assets | 3.4378% | 2,032 |
| Noncurrent loans to loans | 4.2952% | 1,678 |
| Net loans and leases to total assets | 64.9184% | 3,680 |
| Net loans and leases to deposits | 76.0632% | 3,827 |
| Net loans and leases to core deposits | 88.9522% | 2,909 |
| Total domestic deposits to total assets | 85.3480% | 3,693 |
| Equity capital to assets | 13.3694% | 1,231 |
| Core capital (leverage) ratio | 13.8200% | 886 |
| Tier 1 risk-based capital ratio | 23.9504% | 936 |
| Total risk-based capital ratio | 25.2659% | 914 |
| Memoranda: |
| Average total assets | $98,076,200 | 5,046 |
| Average earning assets | $91,699,800 | 4,954 |
| Average equity | $14,695,000 | 3,994 |
| Average total loans | $71,554,000 | 4,621 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0511% | 7,247 |
| Cost of funding earning assets | 0.6464% | 7,190 |
| Net interest margin | 3.4047% | 5,663 |
| Noninterest income to average assets | 0.5103% | 4,096 |
| Noninterest expense to average assets | 3.8389% | 1,302 |
| Loan and lease loss provision to assets | 1.1819% | 1,216 |
| Net operating income to assets | -1.2847% | 7,021 |
| Return on assets (ROA) | -1.2847% | 7,050 |
| Pretax return on assets | -1.2222% | 6,944 |
| Return on Equity (ROE) | -8.3248% | 6,851 |
| Retained earnings to average equity (ytd only) | -8.3248% | 6,791 |
| Net charge-offs to loans | 1.4406% | 1,414 |
| Credit loss provision to net charge-offs | 109.5361% | 3,878 |
| Earnings coverage of net charge-offs (x) | -0.0374% | 6,061 |
| Efficiency ratio | 101.0615% | 711 |
| Assets per employee ($millions) | 3.7505% | 4,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5747% | 3,640 |
| Loan loss allowance to noncurrent loans | 25.5041% | 6,610 |
| Noncurrent assets plus other real estate owned to assets | 5.5086% | 1,120 |
| Noncurrent loans to loans | 6.1741% | 996 |
| Net loans and leases to total assets | 74.1974% | 1,758 |
| Net loans and leases to deposits | 88.6320% | 1,922 |
| Net loans and leases to core deposits | 108.6472% | 1,116 |
| Total domestic deposits to total assets | 83.7141% | 4,266 |
| Equity capital to assets | 15.2855% | 827 |
| Core capital (leverage) ratio | 15.3030% | 661 |
| Tier 1 risk-based capital ratio | 31.5106% | 450 |
| Total risk-based capital ratio | 32.7747% | 443 |
| Memoranda: |
| Average total assets | $95,892,500 | 5,158 |
| Average earning assets | $92,615,000 | 4,989 |
| Average equity | $14,798,750 | 4,032 |
| Average total loans | $71,818,000 | 4,685 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0804% | 7,300 |
| Cost of funding earning assets | 0.6790% | 7,235 |
| Net interest margin | 3.4014% | 5,641 |
| Noninterest income to average assets | 0.5652% | 3,584 |
| Noninterest expense to average assets | 4.0123% | 1,026 |
| Loan and lease loss provision to assets | 1.3043% | 1,052 |
| Net operating income to assets | -1.5134% | 7,153 |
| Return on assets (ROA) | -1.5134% | 7,165 |
| Pretax return on assets | -1.4637% | 7,065 |
| Return on Equity (ROE) | -9.7764% | 6,959 |
| Retained earnings to average equity (ytd only) | -9.7764% | 6,905 |
| Net charge-offs to loans | 1.6289% | 1,165 |
| Credit loss provision to net charge-offs | 107.1429% | 3,802 |
| Earnings coverage of net charge-offs (x) | -0.1310% | 5,826 |
| Efficiency ratio | 104.1376% | 678 |
| Assets per employee ($millions) | 3.7861% | 4,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4956% | 3,959 |
| Loan loss allowance to noncurrent loans | 26.5816% | 6,577 |
| Noncurrent assets plus other real estate owned to assets | 4.8018% | 1,349 |
| Noncurrent loans to loans | 5.6263% | 1,169 |
| Net loans and leases to total assets | 73.9699% | 1,914 |
| Net loans and leases to deposits | 89.3127% | 1,960 |
| Net loans and leases to core deposits | 111.3171% | 1,077 |
| Total domestic deposits to total assets | 82.8213% | 4,644 |
| Equity capital to assets | 15.3531% | 805 |
| Core capital (leverage) ratio | 15.0567% | 712 |
| Tier 1 risk-based capital ratio | 29.4788% | 541 |
| Total risk-based capital ratio | 30.7406% | 518 |
| Memoranda: |
| Average total assets | $96,602,670 | 5,175 |
| Average earning assets | $93,374,330 | 5,003 |
| Average equity | $14,954,330 | 4,002 |
| Average total loans | $72,196,670 | 4,705 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2047% | 7,258 |
| Cost of funding earning assets | 0.7213% | 7,290 |
| Net interest margin | 3.4834% | 5,228 |
| Noninterest income to average assets | 0.5862% | 3,365 |
| Noninterest expense to average assets | 3.6853% | 1,543 |
| Loan and lease loss provision to assets | 1.0166% | 1,227 |
| Net operating income to assets | -0.8240% | 7,016 |
| Return on assets (ROA) | -0.8240% | 7,045 |
| Pretax return on assets | -0.7502% | 6,926 |
| Return on Equity (ROE) | -5.3015% | 6,899 |
| Retained earnings to average equity (ytd only) | -5.3015% | 6,606 |
| Net charge-offs to loans | 0.6927% | 2,108 |
| Credit loss provision to net charge-offs | 196.8254% | 1,884 |
| Earnings coverage of net charge-offs (x) | 0.5159% | 4,575 |
| Efficiency ratio | 93.2573% | 1,183 |
| Assets per employee ($millions) | 3.7686% | 4,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5754% | 3,549 |
| Loan loss allowance to noncurrent loans | 56.0294% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 2.0953% | 3,393 |
| Noncurrent loans to loans | 2.8118% | 2,851 |
| Net loans and leases to total assets | 70.1795% | 2,887 |
| Net loans and leases to deposits | 85.2614% | 2,717 |
| Net loans and leases to core deposits | 101.1373% | 2,016 |
| Total domestic deposits to total assets | 82.3109% | 4,927 |
| Equity capital to assets | 14.8056% | 930 |
| Core capital (leverage) ratio | 15.3155% | 685 |
| Tier 1 risk-based capital ratio | 30.9679% | 476 |
| Total risk-based capital ratio | 32.2323% | 467 |
| Memoranda: |
| Average total assets | $97,578,000 | 5,222 |
| Average earning assets | $94,274,500 | 5,039 |
| Average equity | $15,165,500 | 3,986 |
| Average total loans | $72,756,500 | 4,752 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1158% | 6,022 |
| Cost of funding earning assets | 0.8375% | 7,500 |
| Net interest margin | 4.2783% | 1,786 |
| Noninterest income to average assets | 0.6737% | 3,126 |
| Noninterest expense to average assets | 4.2155% | 1,078 |
| Loan and lease loss provision to assets | 0.9548% | 2,365 |
| Net operating income to assets | -0.8664% | 6,487 |
| Return on assets (ROA) | -0.8664% | 6,485 |
| Pretax return on assets | -0.3805% | 5,901 |
| Return on Equity (ROE) | -4.5361% | 6,169 |
| Retained earnings to average equity (ytd only) | -4.5361% | 5,956 |
| Net charge-offs to loans | 1.7019% | 1,482 |
| Credit loss provision to net charge-offs | 65.0702% | 6,565 |
| Earnings coverage of net charge-offs (x) | 0.3914% | 5,726 |
| Efficiency ratio | 88.0091% | 1,879 |
| Assets per employee ($millions) | 3.5925% | 4,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3994% | 4,243 |
| Loan loss allowance to noncurrent loans | 58.8134% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 1.9764% | 3,428 |
| Noncurrent loans to loans | 2.3794% | 3,190 |
| Net loans and leases to total assets | 77.0203% | 1,579 |
| Net loans and leases to deposits | 98.7292% | 1,029 |
| Net loans and leases to core deposits | 120.9157% | 1,887 |
| Total domestic deposits to total assets | 78.0116% | 6,215 |
| Equity capital to assets | 16.3441% | 651 |
| Core capital (leverage) ratio | 17.2479% | 462 |
| Tier 1 risk-based capital ratio | 30.7666% | 486 |
| Total risk-based capital ratio | 32.0264% | 477 |
| Memoranda: |
| Average total assets | $82,528,400 | 5,651 |
| Average earning assets | $79,400,600 | 5,476 |
| Average equity | $15,762,600 | 3,906 |
| Average total loans | $71,156,400 | 4,830 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2426% | 5,715 |
| Cost of funding earning assets | 0.8645% | 7,610 |
| Net interest margin | 4.3781% | 1,500 |
| Noninterest income to average assets | 0.6983% | 3,024 |
| Noninterest expense to average assets | 4.2751% | 940 |
| Loan and lease loss provision to assets | 1.1494% | 1,693 |
| Net operating income to assets | -0.3224% | 6,231 |
| Return on assets (ROA) | -0.3224% | 6,246 |
| Pretax return on assets | -0.5212% | 6,321 |
| Return on Equity (ROE) | -1.6198% | 6,039 |
| Retained earnings to average equity (ytd only) | -1.6198% | 5,638 |
| Net charge-offs to loans | 2.2044% | 874 |
| Credit loss provision to net charge-offs | 58.8537% | 6,190 |
| Earnings coverage of net charge-offs (x) | 0.3216% | 5,699 |
| Efficiency ratio | 87.1891% | 1,945 |
| Assets per employee ($millions) | 3.2372% | 5,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3319% | 4,307 |
| Loan loss allowance to noncurrent loans | 50.2607% | 4,964 |
| Noncurrent assets plus other real estate owned to assets | 2.3699% | 2,903 |
| Noncurrent loans to loans | 2.6500% | 2,856 |
| Net loans and leases to total assets | 88.2406% | 193 |
| Net loans and leases to deposits | 119.1902% | 220 |
| Net loans and leases to core deposits | 142.8966% | 801 |
| Total domestic deposits to total assets | 74.0334% | 6,939 |
| Equity capital to assets | 19.5104% | 373 |
| Core capital (leverage) ratio | 18.8181% | 391 |
| Tier 1 risk-based capital ratio | 31.0082% | 515 |
| Total risk-based capital ratio | 32.2666% | 503 |
| Memoranda: |
| Average total assets | $79,809,500 | 5,772 |
| Average earning assets | $76,652,000 | 5,609 |
| Average equity | $15,886,750 | 3,930 |
| Average total loans | $70,705,250 | 4,890 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2779% | 5,753 |
| Cost of funding earning assets | 0.8573% | 7,752 |
| Net interest margin | 4.4206% | 1,360 |
| Noninterest income to average assets | 0.7730% | 2,568 |
| Noninterest expense to average assets | 4.3406% | 906 |
| Loan and lease loss provision to assets | 1.3621% | 1,268 |
| Net operating income to assets | -0.4331% | 6,479 |
| Return on assets (ROA) | -0.4331% | 6,487 |
| Pretax return on assets | -0.6974% | 6,598 |
| Return on Equity (ROE) | -2.1609% | 6,248 |
| Retained earnings to average equity (ytd only) | -2.1609% | 5,777 |
| Net charge-offs to loans | 2.9566% | 556 |
| Credit loss provision to net charge-offs | 52.1697% | 5,736 |
| Earnings coverage of net charge-offs (x) | 0.2546% | 5,417 |
| Efficiency ratio | 86.7203% | 2,154 |
| Assets per employee ($millions) | 3.8857% | 3,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3368% | 4,061 |
| Loan loss allowance to noncurrent loans | 73.4520% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 2.0282% | 3,162 |
| Noncurrent loans to loans | 1.8200% | 3,783 |
| Net loans and leases to total assets | 85.8333% | 392 |
| Net loans and leases to deposits | 130.4113% | 119 |
| Net loans and leases to core deposits | 152.1484% | 597 |
| Total domestic deposits to total assets | 65.8174% | 7,750 |
| Equity capital to assets | 19.3787% | 427 |
| Core capital (leverage) ratio | 19.1666% | 407 |
| Tier 1 risk-based capital ratio | 31.1713% | 530 |
| Total risk-based capital ratio | 32.4307% | 519 |
| Memoranda: |
| Average total assets | $79,435,670 | 5,818 |
| Average earning assets | $76,052,330 | 5,667 |
| Average equity | $15,919,000 | 3,939 |
| Average total loans | $70,147,670 | 4,956 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4090% | 5,378 |
| Cost of funding earning assets | 0.8605% | 7,854 |
| Net interest margin | 4.5485% | 1,040 |
| Noninterest income to average assets | 0.8117% | 2,275 |
| Noninterest expense to average assets | 4.4618% | 741 |
| Loan and lease loss provision to assets | 1.0414% | 1,256 |
| Net operating income to assets | -0.2144% | 6,579 |
| Return on assets (ROA) | -0.2144% | 6,656 |
| Pretax return on assets | -0.3471% | 6,709 |
| Return on Equity (ROE) | -1.0518% | 6,541 |
| Retained earnings to average equity (ytd only) | -1.0518% | 5,894 |
| Net charge-offs to loans | 0.0803% | 4,371 |
| Credit loss provision to net charge-offs | 1,457.1429% | 441 |
| Earnings coverage of net charge-offs (x) | 9.7143% | 2,030 |
| Efficiency ratio | 86.5347% | 2,011 |
| Assets per employee ($millions) | 3.5064% | 4,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2799% | 970 |
| Loan loss allowance to noncurrent loans | 42.1175% | 5,725 |
| Noncurrent assets plus other real estate owned to assets | 4.8136% | 961 |
| Noncurrent loans to loans | 5.4132% | 971 |
| Net loans and leases to total assets | 86.8960% | 343 |
| Net loans and leases to deposits | 128.1620% | 159 |
| Net loans and leases to core deposits | 145.9128% | 866 |
| Total domestic deposits to total assets | 67.8017% | 7,608 |
| Equity capital to assets | 19.7775% | 429 |
| Core capital (leverage) ratio | 20.1443% | 392 |
| Tier 1 risk-based capital ratio | 31.1769% | 576 |
| Total risk-based capital ratio | 32.4532% | 561 |
| Memoranda: |
| Average total assets | $78,353,500 | 5,880 |
| Average earning assets | $74,838,000 | 5,738 |
| Average equity | $15,972,000 | 3,946 |
| Average total loans | $69,727,000 | 4,994 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9830% | 5,632 |
| Cost of funding earning assets | 1.0862% | 8,016 |
| Net interest margin | 4.8968% | 636 |
| Noninterest income to average assets | 0.5770% | 4,029 |
| Noninterest expense to average assets | 4.2126% | 1,134 |
| Loan and lease loss provision to assets | 1.4318% | 959 |
| Net operating income to assets | -0.2358% | 6,661 |
| Return on assets (ROA) | -0.2358% | 6,506 |
| Pretax return on assets | -0.3701% | 6,520 |
| Return on Equity (ROE) | -1.1125% | 6,381 |
| Retained earnings to average equity (ytd only) | -1.1125% | 5,630 |
| Net charge-offs to loans | 0.6293% | 1,955 |
| Credit loss provision to net charge-offs | 260.6715% | 1,778 |
| Earnings coverage of net charge-offs (x) | 1.9329% | 5,100 |
| Efficiency ratio | 79.8701% | 2,617 |
| Assets per employee ($millions) | 3.3070% | 5,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1332% | 1,025 |
| Loan loss allowance to noncurrent loans | 40.4422% | 6,031 |
| Noncurrent assets plus other real estate owned to assets | 5.0224% | 688 |
| Noncurrent loans to loans | 5.2746% | 802 |
| Net loans and leases to total assets | 87.1615% | 458 |
| Net loans and leases to deposits | 122.1465% | 345 |
| Net loans and leases to core deposits | 137.7215% | 1,392 |
| Total domestic deposits to total assets | 71.3581% | 7,113 |
| Equity capital to assets | 21.0281% | 399 |
| Core capital (leverage) ratio | 20.5440% | 401 |
| Tier 1 risk-based capital ratio | 34.1650% | 474 |
| Total risk-based capital ratio | 35.4379% | 464 |
| Memoranda: |
| Average total assets | $75,915,800 | 5,841 |
| Average earning assets | $72,823,600 | 5,717 |
| Average equity | $16,090,200 | 3,912 |
| Average total loans | $66,269,000 | 5,007 |
