| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0113% | 41 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 154,361.0000% | 15 |
| Cost of funding earning assets | -467.0000% | 4,611 |
| Net interest margin | 3.0000% | 3,281 |
| Noninterest income to average assets | 0.0198% | 4,510 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 0.8341% | 2,743 |
| Pretax return on assets | 1.1010% | 2,404 |
| Return on Equity (ROE) | 4.8800% | 3,744 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0013% | 2,800 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 13.7944% | 4,539 |
| Assets per employee ($millions) | 0.2216% | 4,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,493 |
| Total domestic deposits to total assets | 6.0000% | 4,517 |
| Equity capital to assets | 26,747.0000% | 23 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $3,355,000 | 4,590 |
| Average earning assets | $7,946 | 4,558 |
| Average equity | $0 | 4,538 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7950% | 4,124 |
| Cost of funding earning assets | 0.9330% | 3,196 |
| Net interest margin | 2.8620% | 3,612 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 1.8350% | 3,914 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 0.8259% | 2,945 |
| Return on assets (ROA) | 0.8241% | 2,936 |
| Pretax return on assets | 1.0572% | 2,691 |
| Return on Equity (ROE) | 4.9000% | 3,826 |
| Retained earnings to average equity (ytd only) | 4.9040% | 2,968 |
| Net charge-offs to loans | 0.0024% | 2,465 |
| Credit loss provision to net charge-offs | -900.0000% | 4,595 |
| Earnings coverage of net charge-offs (x) | 776.8571% | 206 |
| Efficiency ratio | 63.6643% | 2,537 |
| Assets per employee ($millions) | 11.1464% | 481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5865% | 4,285 |
| Loan loss allowance to noncurrent loans | 22.7425% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 1.9524% | 150 |
| Noncurrent loans to loans | 2.5790% | 190 |
| Net loans and leases to total assets | 57.6300% | 3,057 |
| Net loans and leases to deposits | 88.6558% | 1,329 |
| Net loans and leases to core deposits | 92.3252% | 1,773 |
| Total domestic deposits to total assets | 65.0100% | 4,418 |
| Equity capital to assets | 17.2656% | 381 |
| Core capital (leverage) ratio | 18.1127% | 347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.9199% | 220 |
| Memoranda: |
| Average total assets | $692,281,500 | 1,316 |
| Average earning assets | $643,501,000 | 1,306 |
| Average equity | $116,337,750 | 842 |
| Average total loans | $394,429,000 | 1,479 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6885% | 4,150 |
| Cost of funding earning assets | 0.8548% | 3,061 |
| Net interest margin | 2.8336% | 3,773 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 1.8099% | 3,980 |
| Loan and lease loss provision to assets | -0.0200% | 4,411 |
| Net operating income to assets | 0.8376% | 2,964 |
| Return on assets (ROA) | 0.8349% | 2,986 |
| Pretax return on assets | 1.0373% | 2,809 |
| Return on Equity (ROE) | 5.0100% | 3,873 |
| Retained earnings to average equity (ytd only) | 5.0127% | 2,935 |
| Net charge-offs to loans | 0.0035% | 2,185 |
| Credit loss provision to net charge-offs | -900.0000% | 4,616 |
| Earnings coverage of net charge-offs (x) | 508.7143% | 289 |
| Efficiency ratio | 63.8954% | 2,498 |
| Assets per employee ($millions) | 11.4978% | 438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5935% | 4,307 |
| Loan loss allowance to noncurrent loans | 25.3537% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 1.7725% | 169 |
| Noncurrent loans to loans | 2.3407% | 206 |
| Net loans and leases to total assets | 56.1400% | 3,114 |
| Net loans and leases to deposits | 83.0360% | 1,756 |
| Net loans and leases to core deposits | 86.2611% | 2,054 |
| Total domestic deposits to total assets | 67.6100% | 4,417 |
| Equity capital to assets | 16.9866% | 391 |
| Core capital (leverage) ratio | 17.7693% | 354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.6938% | 212 |
| Memoranda: |
| Average total assets | $696,398,000 | 1,305 |
| Average earning assets | $647,859,333 | 1,302 |
| Average equity | $115,985,667 | 841 |
| Average total loans | $394,513,000 | 1,467 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6118% | 4,142 |
| Cost of funding earning assets | 0.7460% | 2,904 |
| Net interest margin | 2.8658% | 3,839 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 1.7843% | 4,058 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9430% | 2,710 |
| Return on assets (ROA) | 0.9370% | 2,688 |
| Pretax return on assets | 1.0782% | 2,772 |
| Return on Equity (ROE) | 5.6800% | 3,778 |
| Retained earnings to average equity (ytd only) | 5.6818% | 2,851 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.1837% | 2,663 |
| Assets per employee ($millions) | 11.8465% | 413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5960% | 4,365 |
| Loan loss allowance to noncurrent loans | 64.9577% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 0.9695% | 432 |
| Noncurrent loans to loans | 0.9175% | 821 |
| Net loans and leases to total assets | 56.8400% | 2,973 |
| Net loans and leases to deposits | 83.6955% | 1,518 |
| Net loans and leases to core deposits | 86.3242% | 1,844 |
| Total domestic deposits to total assets | 67.9200% | 4,462 |
| Equity capital to assets | 16.6614% | 363 |
| Core capital (leverage) ratio | 17.5047% | 374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.3852% | 223 |
| Memoranda: |
| Average total assets | $699,663,500 | 1,315 |
| Average earning assets | $651,968,500 | 1,307 |
| Average equity | $115,386,000 | 855 |
| Average total loans | $396,979,000 | 1,480 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1067% | 3,979 |
| Cost of funding earning assets | 0.4002% | 2,101 |
| Net interest margin | 2.7064% | 4,047 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 1.7350% | 4,116 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7752% | 3,410 |
| Return on assets (ROA) | 0.7752% | 3,346 |
| Pretax return on assets | 1.0599% | 2,892 |
| Return on Equity (ROE) | 4.7600% | 4,055 |
| Retained earnings to average equity (ytd only) | 4.7600% | 3,153 |
| Net charge-offs to loans | 0.0003% | 2,608 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 7,408.0000% | 19 |
| Efficiency ratio | 62.0783% | 2,753 |
| Assets per employee ($millions) | 11.4817% | 454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3645% | 4,520 |
| Loan loss allowance to noncurrent loans | 22.0500% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 0.9305% | 468 |
| Noncurrent loans to loans | 1.6529% | 384 |
| Net loans and leases to total assets | 56.0900% | 3,019 |
| Net loans and leases to deposits | 78.5152% | 1,893 |
| Net loans and leases to core deposits | 80.7666% | 2,090 |
| Total domestic deposits to total assets | 71.4400% | 4,440 |
| Equity capital to assets | 16.3222% | 367 |
| Core capital (leverage) ratio | 17.4910% | 355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.6296% | 209 |
| Memoranda: |
| Average total assets | $698,952,000 | 1,313 |
| Average earning assets | $655,367,200 | 1,296 |
| Average equity | $113,822,600 | 854 |
| Average total loans | $394,017,200 | 1,415 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9851% | 3,908 |
| Cost of funding earning assets | 0.3617% | 1,604 |
| Net interest margin | 2.6233% | 4,067 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 1.9545% | 3,613 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5808% | 3,883 |
| Return on assets (ROA) | 0.5808% | 3,837 |
| Pretax return on assets | 0.7829% | 3,623 |
| Return on Equity (ROE) | 3.5700% | 4,218 |
| Retained earnings to average equity (ytd only) | 3.5684% | 3,596 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.4007% | 1,601 |
| Assets per employee ($millions) | 11.1005% | 482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3719% | 4,556 |
| Loan loss allowance to noncurrent loans | 22.7208% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 0.9347% | 491 |
| Noncurrent loans to loans | 1.6370% | 408 |
| Net loans and leases to total assets | 56.8900% | 2,814 |
| Net loans and leases to deposits | 79.5864% | 1,599 |
| Net loans and leases to core deposits | 80.6523% | 1,858 |
| Total domestic deposits to total assets | 71.4800% | 4,516 |
| Equity capital to assets | 16.3258% | 354 |
| Core capital (leverage) ratio | 17.2857% | 360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.8011% | 225 |
| Memoranda: |
| Average total assets | $698,594,000 | 1,317 |
| Average earning assets | $655,382,250 | 1,306 |
| Average equity | $113,698,750 | 871 |
| Average total loans | $393,952,750 | 1,403 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8542% | 3,884 |
| Cost of funding earning assets | 0.3643% | 1,160 |
| Net interest margin | 2.4899% | 4,099 |
| Noninterest income to average assets | 0.3233% | 3,238 |
| Noninterest expense to average assets | 1.9829% | 3,476 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5115% | 3,863 |
| Return on assets (ROA) | 0.5115% | 3,820 |
| Pretax return on assets | 0.6821% | 3,621 |
| Return on Equity (ROE) | 3.1460% | 4,193 |
| Retained earnings to average equity (ytd only) | 3.1460% | 3,400 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4045% | 1,467 |
| Assets per employee ($millions) | 12.2834% | 347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3662% | 4,630 |
| Loan loss allowance to noncurrent loans | 22.4898% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 0.9295% | 529 |
| Noncurrent loans to loans | 1.6284% | 441 |
| Net loans and leases to total assets | 56.8741% | 2,655 |
| Net loans and leases to deposits | 79.0101% | 1,465 |
| Net loans and leases to core deposits | 80.0023% | 1,715 |
| Total domestic deposits to total assets | 71.9834% | 4,583 |
| Equity capital to assets | 16.3934% | 308 |
| Core capital (leverage) ratio | 16.8048% | 331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.6374% | 198 |
| Memoranda: |
| Average total assets | $705,749,000 | 1,311 |
| Average earning assets | $663,733,667 | 1,301 |
| Average equity | $114,749,333 | 871 |
| Average total loans | $396,393,667 | 1,392 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7266% | 3,890 |
| Cost of funding earning assets | 0.3690% | 1,065 |
| Net interest margin | 2.3576% | 4,138 |
| Noninterest income to average assets | 0.4416% | 2,436 |
| Noninterest expense to average assets | 2.0014% | 3,425 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4942% | 3,731 |
| Return on assets (ROA) | 0.4942% | 3,695 |
| Pretax return on assets | 0.6610% | 3,495 |
| Return on Equity (ROE) | 3.0516% | 4,075 |
| Retained earnings to average equity (ytd only) | 3.0516% | 3,241 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1734% | 1,615 |
| Assets per employee ($millions) | 12.5188% | 347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3649% | 4,661 |
| Loan loss allowance to noncurrent loans | 24.5602% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 0.8205% | 665 |
| Noncurrent loans to loans | 1.4856% | 561 |
| Net loans and leases to total assets | 55.0293% | 2,630 |
| Net loans and leases to deposits | 76.5539% | 1,396 |
| Net loans and leases to core deposits | 77.5220% | 1,651 |
| Total domestic deposits to total assets | 71.8830% | 4,627 |
| Equity capital to assets | 15.9821% | 320 |
| Core capital (leverage) ratio | 16.4294% | 315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.0216% | 189 |
| Memoranda: |
| Average total assets | $714,688,500 | 1,301 |
| Average earning assets | $673,217,500 | 1,286 |
| Average equity | $115,741,500 | 886 |
| Average total loans | $398,261,500 | 1,374 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8628% | 4,115 |
| Cost of funding earning assets | 0.4334% | 1,301 |
| Net interest margin | 2.4294% | 4,284 |
| Noninterest income to average assets | 0.2055% | 4,136 |
| Noninterest expense to average assets | 1.7964% | 4,154 |
| Loan and lease loss provision to assets | -0.0450% | 4,327 |
| Net operating income to assets | 0.5481% | 3,986 |
| Return on assets (ROA) | 0.5481% | 4,033 |
| Pretax return on assets | 0.7435% | 3,853 |
| Return on Equity (ROE) | 3.4022% | 4,309 |
| Retained earnings to average equity (ytd only) | 3.4022% | 3,458 |
| Net charge-offs to loans | 0.0014% | 2,610 |
| Credit loss provision to net charge-offs | -5,383.3333% | 4,176 |
| Earnings coverage of net charge-offs (x) | 836.0000% | 177 |
| Efficiency ratio | 72.0027% | 1,514 |
| Assets per employee ($millions) | 11.7346% | 426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3573% | 4,705 |
| Loan loss allowance to noncurrent loans | 21.6860% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 0.9264% | 619 |
| Noncurrent loans to loans | 1.6478% | 521 |
| Net loans and leases to total assets | 56.0171% | 2,610 |
| Net loans and leases to deposits | 78.3404% | 1,369 |
| Net loans and leases to core deposits | 79.3735% | 1,650 |
| Total domestic deposits to total assets | 71.5048% | 4,653 |
| Equity capital to assets | 16.4066% | 339 |
| Core capital (leverage) ratio | 16.3171% | 334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.0318% | 217 |
| Memoranda: |
| Average total assets | $718,114,800 | 1,263 |
| Average earning assets | $676,718,000 | 1,253 |
| Average equity | $115,689,200 | 902 |
| Average total loans | $421,162,800 | 1,324 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9061% | 4,163 |
| Cost of funding earning assets | 0.4481% | 1,365 |
| Net interest margin | 2.4580% | 4,335 |
| Noninterest income to average assets | 0.2050% | 4,175 |
| Noninterest expense to average assets | 1.8440% | 4,070 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5009% | 4,203 |
| Return on assets (ROA) | 0.5009% | 4,244 |
| Pretax return on assets | 0.6771% | 4,109 |
| Return on Equity (ROE) | 3.1235% | 4,445 |
| Retained earnings to average equity (ytd only) | 3.1235% | 3,861 |
| Net charge-offs to loans | 0.0013% | 2,387 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 912.5000% | 179 |
| Efficiency ratio | 73.1420% | 1,293 |
| Assets per employee ($millions) | 11.3656% | 440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4241% | 4,756 |
| Loan loss allowance to noncurrent loans | 24.6296% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 0.9991% | 666 |
| Noncurrent loans to loans | 1.7220% | 583 |
| Net loans and leases to total assets | 57.7735% | 2,524 |
| Net loans and leases to deposits | 80.7375% | 1,218 |
| Net loans and leases to core deposits | 81.7956% | 1,586 |
| Total domestic deposits to total assets | 71.5572% | 4,694 |
| Equity capital to assets | 16.2537% | 391 |
| Core capital (leverage) ratio | 15.9678% | 390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.5397% | 240 |
| Memoranda: |
| Average total assets | $718,691,500 | 1,283 |
| Average earning assets | $677,218,750 | 1,269 |
| Average equity | $115,251,500 | 914 |
| Average total loans | $425,850,250 | 1,334 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8335% | 4,304 |
| Cost of funding earning assets | 0.4598% | 1,450 |
| Net interest margin | 2.3736% | 4,445 |
| Noninterest income to average assets | 0.2040% | 4,182 |
| Noninterest expense to average assets | 1.9917% | 3,722 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3391% | 4,477 |
| Return on assets (ROA) | 0.3391% | 4,502 |
| Pretax return on assets | 0.4475% | 4,454 |
| Return on Equity (ROE) | 2.1241% | 4,583 |
| Retained earnings to average equity (ytd only) | 2.1241% | 4,086 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6545% | 696 |
| Assets per employee ($millions) | 10.9805% | 462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4126% | 4,788 |
| Loan loss allowance to noncurrent loans | 27.6223% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 0.8827% | 884 |
| Noncurrent loans to loans | 1.4938% | 760 |
| Net loans and leases to total assets | 58.8479% | 2,559 |
| Net loans and leases to deposits | 82.8963% | 1,135 |
| Net loans and leases to core deposits | 83.9763% | 1,565 |
| Total domestic deposits to total assets | 70.9899% | 4,733 |
| Equity capital to assets | 15.9255% | 420 |
| Core capital (leverage) ratio | 15.8940% | 386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6581% | 256 |
| Memoranda: |
| Average total assets | $719,577,333 | 1,270 |
| Average earning assets | $677,616,000 | 1,262 |
| Average equity | $114,874,667 | 907 |
| Average total loans | $429,320,333 | 1,331 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8896% | 4,273 |
| Cost of funding earning assets | 0.4737% | 1,569 |
| Net interest margin | 2.4159% | 4,400 |
| Noninterest income to average assets | 0.2047% | 4,157 |
| Noninterest expense to average assets | 1.9950% | 3,728 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3632% | 4,426 |
| Return on assets (ROA) | 0.3632% | 4,457 |
| Pretax return on assets | 0.4831% | 4,376 |
| Return on Equity (ROE) | 2.2722% | 4,577 |
| Retained earnings to average equity (ytd only) | 2.2722% | 3,955 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5043% | 794 |
| Assets per employee ($millions) | 10.7702% | 478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4163% | 4,818 |
| Loan loss allowance to noncurrent loans | 36.9125% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 0.6634% | 1,426 |
| Noncurrent loans to loans | 1.1277% | 1,189 |
| Net loans and leases to total assets | 58.5804% | 2,729 |
| Net loans and leases to deposits | 82.6043% | 1,286 |
| Net loans and leases to core deposits | 83.6849% | 1,702 |
| Total domestic deposits to total assets | 70.9170% | 4,745 |
| Equity capital to assets | 15.8501% | 401 |
| Core capital (leverage) ratio | 15.9750% | 385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.9771% | 257 |
| Memoranda: |
| Average total assets | $717,010,000 | 1,261 |
| Average earning assets | $674,704,000 | 1,251 |
| Average equity | $114,605,000 | 899 |
| Average total loans | $429,858,000 | 1,336 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3335% | 4,283 |
| Cost of funding earning assets | 0.6617% | 1,919 |
| Net interest margin | 2.6718% | 4,412 |
| Noninterest income to average assets | 0.3107% | 3,626 |
| Noninterest expense to average assets | 1.9722% | 4,195 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.6452% | 3,611 |
| Return on assets (ROA) | 0.6452% | 3,736 |
| Pretax return on assets | 0.8508% | 3,499 |
| Return on Equity (ROE) | 4.0090% | 4,154 |
| Retained earnings to average equity (ytd only) | 4.0090% | 2,814 |
| Net charge-offs to loans | 0.0007% | 3,411 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 1,982.3333% | 54 |
| Efficiency ratio | 69.8611% | 1,969 |
| Assets per employee ($millions) | 10.9602% | 404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4060% | 4,853 |
| Loan loss allowance to noncurrent loans | 29.9898% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 0.8270% | 1,232 |
| Noncurrent loans to loans | 1.3538% | 1,002 |
| Net loans and leases to total assets | 60.8441% | 2,752 |
| Net loans and leases to deposits | 86.2941% | 1,230 |
| Net loans and leases to core deposits | 87.4471% | 1,749 |
| Total domestic deposits to total assets | 70.5079% | 4,762 |
| Equity capital to assets | 16.1191% | 412 |
| Core capital (leverage) ratio | 15.8500% | 404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6546% | 253 |
| Memoranda: |
| Average total assets | $698,981,400 | 1,182 |
| Average earning assets | $657,236,800 | 1,168 |
| Average equity | $112,497,200 | 873 |
| Average total loans | $457,088,800 | 1,213 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4317% | 4,310 |
| Cost of funding earning assets | 0.7020% | 2,012 |
| Net interest margin | 2.7298% | 4,427 |
| Noninterest income to average assets | 0.3366% | 3,462 |
| Noninterest expense to average assets | 1.9943% | 4,156 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.6971% | 3,469 |
| Return on assets (ROA) | 0.6971% | 3,568 |
| Pretax return on assets | 0.9085% | 3,359 |
| Return on Equity (ROE) | 4.3330% | 4,087 |
| Retained earnings to average equity (ytd only) | 4.3330% | 2,879 |
| Net charge-offs to loans | 0.0009% | 3,210 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 1,580.0000% | 75 |
| Efficiency ratio | 68.7025% | 2,085 |
| Assets per employee ($millions) | 10.5957% | 422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3978% | 4,885 |
| Loan loss allowance to noncurrent loans | 31.5761% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 0.7883% | 1,464 |
| Noncurrent loans to loans | 1.2598% | 1,187 |
| Net loans and leases to total assets | 62.3211% | 2,967 |
| Net loans and leases to deposits | 90.4006% | 1,230 |
| Net loans and leases to core deposits | 91.6857% | 1,822 |
| Total domestic deposits to total assets | 68.9388% | 4,789 |
| Equity capital to assets | 16.0082% | 464 |
| Core capital (leverage) ratio | 15.6585% | 447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.4325% | 267 |
| Memoranda: |
| Average total assets | $695,623,250 | 1,166 |
| Average earning assets | $653,961,500 | 1,153 |
| Average equity | $111,912,750 | 872 |
| Average total loans | $462,553,750 | 1,200 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4850% | 4,427 |
| Cost of funding earning assets | 0.7420% | 2,168 |
| Net interest margin | 2.7430% | 4,515 |
| Noninterest income to average assets | 0.3998% | 3,080 |
| Noninterest expense to average assets | 2.0001% | 4,236 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7654% | 3,174 |
| Return on assets (ROA) | 0.7654% | 3,284 |
| Pretax return on assets | 0.9776% | 3,091 |
| Return on Equity (ROE) | 4.7496% | 3,897 |
| Retained earnings to average equity (ytd only) | 4.7496% | 2,587 |
| Net charge-offs to loans | 0.0013% | 2,981 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 1,125.6667% | 78 |
| Efficiency ratio | 67.1690% | 2,356 |
| Assets per employee ($millions) | 11.2580% | 363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3797% | 4,915 |
| Loan loss allowance to noncurrent loans | 39.2754% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 0.6244% | 1,949 |
| Noncurrent loans to loans | 0.9667% | 1,600 |
| Net loans and leases to total assets | 64.3445% | 2,838 |
| Net loans and leases to deposits | 92.0434% | 1,154 |
| Net loans and leases to core deposits | 93.6942% | 1,771 |
| Total domestic deposits to total assets | 69.9066% | 4,788 |
| Equity capital to assets | 15.6415% | 521 |
| Core capital (leverage) ratio | 16.0804% | 432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.6107% | 292 |
| Memoranda: |
| Average total assets | $690,860,333 | 1,156 |
| Average earning assets | $649,295,000 | 1,139 |
| Average equity | $111,335,667 | 866 |
| Average total loans | $468,674,333 | 1,179 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6531% | 4,468 |
| Cost of funding earning assets | 0.8071% | 2,340 |
| Net interest margin | 2.8460% | 4,506 |
| Noninterest income to average assets | 0.3603% | 3,361 |
| Noninterest expense to average assets | 2.0721% | 4,272 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7390% | 3,139 |
| Return on assets (ROA) | 0.7390% | 3,218 |
| Pretax return on assets | 0.9568% | 2,978 |
| Return on Equity (ROE) | 4.5150% | 3,815 |
| Retained earnings to average equity (ytd only) | 4.5150% | 2,495 |
| Net charge-offs to loans | 0.0009% | 2,569 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 1,617.0000% | 20 |
| Efficiency ratio | 68.4118% | 2,600 |
| Assets per employee ($millions) | 9.5442% | 441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3809% | 4,958 |
| Loan loss allowance to noncurrent loans | 33.7660% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 0.7731% | 1,749 |
| Noncurrent loans to loans | 1.1280% | 1,471 |
| Net loans and leases to total assets | 68.2806% | 2,502 |
| Net loans and leases to deposits | 96.9417% | 824 |
| Net loans and leases to core deposits | 98.9328% | 1,558 |
| Total domestic deposits to total assets | 70.4347% | 4,840 |
| Equity capital to assets | 16.4456% | 515 |
| Core capital (leverage) ratio | 16.2995% | 475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.0325% | 330 |
| Memoranda: |
| Average total assets | $676,035,000 | 1,147 |
| Average earning assets | $633,865,500 | 1,136 |
| Average equity | $110,654,000 | 865 |
| Average total loans | $470,323,500 | 1,148 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9548% | 4,339 |
| Cost of funding earning assets | 0.7498% | 2,920 |
| Net interest margin | 3.2051% | 4,173 |
| Noninterest income to average assets | 0.2692% | 4,068 |
| Noninterest expense to average assets | 2.2505% | 4,062 |
| Loan and lease loss provision to assets | 0.0006% | 3,970 |
| Net operating income to assets | 0.7442% | 3,721 |
| Return on assets (ROA) | 0.7442% | 3,796 |
| Pretax return on assets | 1.0200% | 3,416 |
| Return on Equity (ROE) | 4.5675% | 4,333 |
| Retained earnings to average equity (ytd only) | 4.5675% | 2,670 |
| Net charge-offs to loans | 0.0085% | 3,375 |
| Credit loss provision to net charge-offs | 9.5238% | 3,359 |
| Earnings coverage of net charge-offs (x) | 160.6667% | 465 |
| Efficiency ratio | 68.7983% | 2,347 |
| Assets per employee ($millions) | 8.8741% | 521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3717% | 5,003 |
| Loan loss allowance to noncurrent loans | 38.7818% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 0.6767% | 1,901 |
| Noncurrent loans to loans | 0.9585% | 1,597 |
| Net loans and leases to total assets | 70.3426% | 2,339 |
| Net loans and leases to deposits | 99.6689% | 627 |
| Net loans and leases to core deposits | 102.5430% | 1,353 |
| Total domestic deposits to total assets | 70.5762% | 4,910 |
| Equity capital to assets | 16.2902% | 555 |
| Core capital (leverage) ratio | 15.8833% | 542 |
| Tier 1 risk-based capital ratio | 26.8628% | 623 |
| Total risk-based capital ratio | 27.2975% | 657 |
| Memoranda: |
| Average total assets | $661,155,000 | 1,134 |
| Average earning assets | $619,241,200 | 1,114 |
| Average equity | $107,718,600 | 844 |
| Average total loans | $493,449,400 | 1,088 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0084% | 4,347 |
| Cost of funding earning assets | 0.7261% | 3,085 |
| Net interest margin | 3.2823% | 4,119 |
| Noninterest income to average assets | 0.2694% | 4,129 |
| Noninterest expense to average assets | 2.2497% | 4,070 |
| Loan and lease loss provision to assets | 0.0008% | 3,831 |
| Net operating income to assets | 0.7965% | 3,686 |
| Return on assets (ROA) | 0.7965% | 3,759 |
| Pretax return on assets | 1.0935% | 3,311 |
| Return on Equity (ROE) | 4.8888% | 4,356 |
| Retained earnings to average equity (ytd only) | 4.8888% | 2,943 |
| Net charge-offs to loans | 0.0113% | 2,958 |
| Credit loss provision to net charge-offs | 9.5238% | 3,006 |
| Earnings coverage of net charge-offs (x) | 128.5445% | 611 |
| Efficiency ratio | 67.2768% | 2,529 |
| Assets per employee ($millions) | 8.9463% | 493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3636% | 5,084 |
| Loan loss allowance to noncurrent loans | 37.8743% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 0.7063% | 1,939 |
| Noncurrent loans to loans | 0.9601% | 1,673 |
| Net loans and leases to total assets | 73.3012% | 1,947 |
| Net loans and leases to deposits | 104.4411% | 390 |
| Net loans and leases to core deposits | 106.4380% | 1,155 |
| Total domestic deposits to total assets | 70.1843% | 4,988 |
| Equity capital to assets | 16.5010% | 559 |
| Core capital (leverage) ratio | 16.2512% | 529 |
| Tier 1 risk-based capital ratio | 26.6415% | 669 |
| Total risk-based capital ratio | 27.0768% | 705 |
| Memoranda: |
| Average total assets | $657,836,000 | 1,137 |
| Average earning assets | $616,221,750 | 1,117 |
| Average equity | $107,181,750 | 848 |
| Average total loans | $497,766,250 | 1,085 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0507% | 4,280 |
| Cost of funding earning assets | 0.6898% | 3,221 |
| Net interest margin | 3.3608% | 4,007 |
| Noninterest income to average assets | 0.2757% | 4,093 |
| Noninterest expense to average assets | 2.2759% | 4,069 |
| Loan and lease loss provision to assets | 0.0012% | 3,676 |
| Net operating income to assets | 0.8312% | 3,540 |
| Return on assets (ROA) | 0.8312% | 3,601 |
| Pretax return on assets | 1.1483% | 3,085 |
| Return on Equity (ROE) | 5.1232% | 4,316 |
| Retained earnings to average equity (ytd only) | 5.1232% | 2,709 |
| Net charge-offs to loans | 0.0128% | 2,679 |
| Credit loss provision to net charge-offs | 12.5000% | 2,687 |
| Earnings coverage of net charge-offs (x) | 117.9063% | 614 |
| Efficiency ratio | 66.4413% | 2,759 |
| Assets per employee ($millions) | 8.9743% | 469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3565% | 5,142 |
| Loan loss allowance to noncurrent loans | 28.3982% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 0.9568% | 1,456 |
| Noncurrent loans to loans | 1.2553% | 1,265 |
| Net loans and leases to total assets | 75.9467% | 1,557 |
| Net loans and leases to deposits | 108.2870% | 263 |
| Net loans and leases to core deposits | 110.2488% | 961 |
| Total domestic deposits to total assets | 70.1347% | 5,043 |
| Equity capital to assets | 16.4907% | 536 |
| Core capital (leverage) ratio | 16.3743% | 498 |
| Tier 1 risk-based capital ratio | 26.0596% | 685 |
| Total risk-based capital ratio | 26.4924% | 722 |
| Memoranda: |
| Average total assets | $656,439,330 | 1,135 |
| Average earning assets | $615,209,000 | 1,118 |
| Average equity | $106,495,330 | 845 |
| Average total loans | $501,340,330 | 1,076 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0252% | 4,316 |
| Cost of funding earning assets | 0.6667% | 3,223 |
| Net interest margin | 3.3586% | 4,012 |
| Noninterest income to average assets | 0.2478% | 4,240 |
| Noninterest expense to average assets | 2.2785% | 4,077 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8023% | 3,612 |
| Return on assets (ROA) | 0.8023% | 3,655 |
| Pretax return on assets | 1.1189% | 3,094 |
| Return on Equity (ROE) | 4.9865% | 4,330 |
| Retained earnings to average equity (ytd only) | 4.9865% | 2,914 |
| Net charge-offs to loans | -0.0733% | 4,947 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0668% | 2,787 |
| Assets per employee ($millions) | 8.3594% | 589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3826% | 5,191 |
| Loan loss allowance to noncurrent loans | 28.1857% | 4,647 |
| Noncurrent assets plus other real estate owned to assets | 1.0338% | 1,349 |
| Noncurrent loans to loans | 1.3576% | 1,195 |
| Net loans and leases to total assets | 75.8611% | 1,512 |
| Net loans and leases to deposits | 106.2766% | 315 |
| Net loans and leases to core deposits | 108.1961% | 1,042 |
| Total domestic deposits to total assets | 71.3808% | 5,065 |
| Equity capital to assets | 16.3291% | 527 |
| Core capital (leverage) ratio | 16.0005% | 531 |
| Tier 1 risk-based capital ratio | 25.9424% | 690 |
| Total risk-based capital ratio | 26.4084% | 732 |
| Memoranda: |
| Average total assets | $657,098,500 | 1,142 |
| Average earning assets | $616,211,500 | 1,119 |
| Average equity | $105,726,000 | 846 |
| Average total loans | $502,349,000 | 1,075 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7755% | 4,544 |
| Cost of funding earning assets | 0.5214% | 3,219 |
| Net interest margin | 3.2541% | 4,367 |
| Noninterest income to average assets | 0.3559% | 3,718 |
| Noninterest expense to average assets | 2.2192% | 4,293 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8612% | 3,572 |
| Return on assets (ROA) | 0.8686% | 3,539 |
| Pretax return on assets | 1.1913% | 2,913 |
| Return on Equity (ROE) | 5.6429% | 4,278 |
| Retained earnings to average equity (ytd only) | 5.6429% | 2,390 |
| Net charge-offs to loans | -0.0014% | 4,205 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2493% | 2,996 |
| Assets per employee ($millions) | 7.9779% | 659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3558% | 5,248 |
| Loan loss allowance to noncurrent loans | 36.7256% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 0.7669% | 1,823 |
| Noncurrent loans to loans | 0.9688% | 1,673 |
| Net loans and leases to total assets | 76.4691% | 1,526 |
| Net loans and leases to deposits | 106.1335% | 366 |
| Net loans and leases to core deposits | 107.5169% | 1,158 |
| Total domestic deposits to total assets | 72.0499% | 5,069 |
| Equity capital to assets | 15.8543% | 560 |
| Core capital (leverage) ratio | 15.9431% | 518 |
| Tier 1 risk-based capital ratio | 24.9548% | 750 |
| Total risk-based capital ratio | 25.3868% | 794 |
| Memoranda: |
| Average total assets | $661,730,200 | 1,097 |
| Average earning assets | $619,252,200 | 1,085 |
| Average equity | $101,862,400 | 836 |
| Average total loans | $499,693,600 | 1,048 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7431% | 4,560 |
| Cost of funding earning assets | 0.4950% | 3,229 |
| Net interest margin | 3.2482% | 4,403 |
| Noninterest income to average assets | 0.3857% | 3,565 |
| Noninterest expense to average assets | 2.2355% | 4,246 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8689% | 3,666 |
| Return on assets (ROA) | 0.8786% | 3,635 |
| Pretax return on assets | 1.2003% | 2,981 |
| Return on Equity (ROE) | 5.7509% | 4,339 |
| Retained earnings to average equity (ytd only) | 5.7509% | 2,791 |
| Net charge-offs to loans | -0.0021% | 4,094 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2990% | 2,985 |
| Assets per employee ($millions) | 7.7744% | 700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3620% | 5,321 |
| Loan loss allowance to noncurrent loans | 40.8168% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 0.6868% | 2,142 |
| Noncurrent loans to loans | 0.8868% | 1,925 |
| Net loans and leases to total assets | 77.1736% | 1,474 |
| Net loans and leases to deposits | 106.0001% | 442 |
| Net loans and leases to core deposits | 107.4875% | 1,200 |
| Total domestic deposits to total assets | 72.8052% | 5,072 |
| Equity capital to assets | 15.9729% | 545 |
| Core capital (leverage) ratio | 15.6678% | 569 |
| Tier 1 risk-based capital ratio | 25.2038% | 734 |
| Total risk-based capital ratio | 25.6462% | 784 |
| Memoranda: |
| Average total assets | $661,622,000 | 1,102 |
| Average earning assets | $618,753,250 | 1,090 |
| Average equity | $101,082,750 | 840 |
| Average total loans | $497,577,500 | 1,056 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7108% | 4,557 |
| Cost of funding earning assets | 0.4766% | 3,182 |
| Net interest margin | 3.2342% | 4,425 |
| Noninterest income to average assets | 0.4341% | 3,263 |
| Noninterest expense to average assets | 2.2285% | 4,303 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9132% | 3,401 |
| Return on assets (ROA) | 0.9132% | 3,403 |
| Pretax return on assets | 1.2290% | 2,830 |
| Return on Equity (ROE) | 6.0665% | 4,211 |
| Retained earnings to average equity (ytd only) | 6.0665% | 2,520 |
| Net charge-offs to loans | -0.0012% | 3,902 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4554% | 3,256 |
| Assets per employee ($millions) | 8.1999% | 582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3620% | 5,387 |
| Loan loss allowance to noncurrent loans | 61.9080% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 0.4387% | 2,969 |
| Noncurrent loans to loans | 0.5848% | 2,668 |
| Net loans and leases to total assets | 74.7498% | 1,825 |
| Net loans and leases to deposits | 101.2210% | 720 |
| Net loans and leases to core deposits | 102.9546% | 1,492 |
| Total domestic deposits to total assets | 73.8481% | 5,058 |
| Equity capital to assets | 15.3371% | 621 |
| Core capital (leverage) ratio | 15.3029% | 615 |
| Tier 1 risk-based capital ratio | 23.7529% | 857 |
| Total risk-based capital ratio | 24.1742% | 924 |
| Memoranda: |
| Average total assets | $667,071,000 | 1,101 |
| Average earning assets | $623,581,000 | 1,087 |
| Average equity | $100,420,670 | 848 |
| Average total loans | $496,839,670 | 1,056 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6832% | 4,504 |
| Cost of funding earning assets | 0.4692% | 3,051 |
| Net interest margin | 3.2140% | 4,417 |
| Noninterest income to average assets | 0.6181% | 2,179 |
| Noninterest expense to average assets | 2.2217% | 4,363 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0333% | 2,721 |
| Return on assets (ROA) | 1.0333% | 2,739 |
| Pretax return on assets | 1.3965% | 2,019 |
| Return on Equity (ROE) | 6.9290% | 3,814 |
| Retained earnings to average equity (ytd only) | 6.9290% | 2,311 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4023% | 3,888 |
| Assets per employee ($millions) | 7.7845% | 687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3635% | 5,456 |
| Loan loss allowance to noncurrent loans | 59.8737% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 0.4546% | 3,022 |
| Noncurrent loans to loans | 0.6071% | 2,729 |
| Net loans and leases to total assets | 74.6082% | 1,773 |
| Net loans and leases to deposits | 99.8610% | 719 |
| Net loans and leases to core deposits | 101.3091% | 1,586 |
| Total domestic deposits to total assets | 74.7120% | 5,087 |
| Equity capital to assets | 15.1884% | 627 |
| Core capital (leverage) ratio | 14.9995% | 659 |
| Tier 1 risk-based capital ratio | 23.6374% | 873 |
| Total risk-based capital ratio | 24.0614% | 944 |
| Memoranda: |
| Average total assets | $668,510,500 | 1,109 |
| Average earning assets | $624,020,000 | 1,098 |
| Average equity | $99,697,000 | 852 |
| Average total loans | $496,116,500 | 1,058 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6312% | 4,503 |
| Cost of funding earning assets | 0.4793% | 2,511 |
| Net interest margin | 3.1519% | 4,570 |
| Noninterest income to average assets | 0.3170% | 4,195 |
| Noninterest expense to average assets | 2.2523% | 4,435 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4177% | 4,633 |
| Return on assets (ROA) | 0.4177% | 4,657 |
| Pretax return on assets | 0.9944% | 3,595 |
| Return on Equity (ROE) | 2.8737% | 4,869 |
| Retained earnings to average equity (ytd only) | 2.8737% | 3,591 |
| Net charge-offs to loans | 0.0151% | 3,588 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 91.9726% | 685 |
| Efficiency ratio | 69.3718% | 2,641 |
| Assets per employee ($millions) | 7.6743% | 709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3625% | 5,516 |
| Loan loss allowance to noncurrent loans | 47.5574% | 4,536 |
| Noncurrent assets plus other real estate owned to assets | 0.5608% | 2,675 |
| Noncurrent loans to loans | 0.7623% | 2,297 |
| Net loans and leases to total assets | 73.2908% | 2,048 |
| Net loans and leases to deposits | 97.1224% | 982 |
| Net loans and leases to core deposits | 98.3553% | 1,837 |
| Total domestic deposits to total assets | 75.4623% | 5,035 |
| Equity capital to assets | 14.6439% | 744 |
| Core capital (leverage) ratio | 14.7056% | 679 |
| Tier 1 risk-based capital ratio | 23.7381% | 841 |
| Total risk-based capital ratio | 24.1711% | 905 |
| Memoranda: |
| Average total assets | $675,179,400 | 1,078 |
| Average earning assets | $627,596,000 | 1,074 |
| Average equity | $98,131,600 | 841 |
| Average total loans | $483,955,200 | 1,062 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6251% | 4,504 |
| Cost of funding earning assets | 0.4792% | 2,437 |
| Net interest margin | 3.1459% | 4,585 |
| Noninterest income to average assets | 0.3158% | 4,277 |
| Noninterest expense to average assets | 2.2444% | 4,431 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6614% | 4,151 |
| Return on assets (ROA) | 0.6614% | 4,205 |
| Pretax return on assets | 0.9963% | 3,702 |
| Return on Equity (ROE) | 4.5591% | 4,688 |
| Retained earnings to average equity (ytd only) | 4.5591% | 3,180 |
| Net charge-offs to loans | 0.0208% | 3,072 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 67.2650% | 922 |
| Efficiency ratio | 69.2566% | 2,662 |
| Assets per employee ($millions) | 7.3668% | 806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3685% | 5,581 |
| Loan loss allowance to noncurrent loans | 69.1923% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 0.3878% | 3,472 |
| Noncurrent loans to loans | 0.5326% | 3,102 |
| Net loans and leases to total assets | 72.5498% | 2,175 |
| Net loans and leases to deposits | 96.4162% | 1,078 |
| Net loans and leases to core deposits | 97.6058% | 1,917 |
| Total domestic deposits to total assets | 75.2465% | 5,104 |
| Equity capital to assets | 14.8568% | 761 |
| Core capital (leverage) ratio | 14.7684% | 706 |
| Tier 1 risk-based capital ratio | 23.0212% | 945 |
| Total risk-based capital ratio | 23.4384% | 1,007 |
| Memoranda: |
| Average total assets | $675,139,250 | 1,086 |
| Average earning assets | $627,724,250 | 1,079 |
| Average equity | $97,940,500 | 846 |
| Average total loans | $480,753,250 | 1,071 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5747% | 4,575 |
| Cost of funding earning assets | 0.4751% | 2,375 |
| Net interest margin | 3.0996% | 4,687 |
| Noninterest income to average assets | 0.3443% | 4,087 |
| Noninterest expense to average assets | 2.2163% | 4,534 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6812% | 3,930 |
| Return on assets (ROA) | 0.6812% | 3,997 |
| Pretax return on assets | 1.0084% | 3,533 |
| Return on Equity (ROE) | 4.7336% | 4,592 |
| Retained earnings to average equity (ytd only) | 4.7336% | 2,897 |
| Net charge-offs to loans | 0.0013% | 3,479 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 1,137.3333% | 57 |
| Efficiency ratio | 68.7288% | 2,889 |
| Assets per employee ($millions) | 7.6483% | 699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3837% | 5,617 |
| Loan loss allowance to noncurrent loans | 61.1238% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 0.4497% | 3,312 |
| Noncurrent loans to loans | 0.6277% | 2,849 |
| Net loans and leases to total assets | 71.3662% | 2,308 |
| Net loans and leases to deposits | 93.5643% | 1,310 |
| Net loans and leases to core deposits | 94.3153% | 2,124 |
| Total domestic deposits to total assets | 76.2750% | 5,059 |
| Equity capital to assets | 14.4754% | 832 |
| Core capital (leverage) ratio | 14.4045% | 764 |
| Tier 1 risk-based capital ratio | 22.6961% | 974 |
| Total risk-based capital ratio | 23.1284% | 1,045 |
| Memoranda: |
| Average total assets | $676,726,330 | 1,082 |
| Average earning assets | $628,857,000 | 1,074 |
| Average equity | $97,388,330 | 855 |
| Average total loans | $478,285,330 | 1,080 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5453% | 4,562 |
| Cost of funding earning assets | 0.4752% | 2,304 |
| Net interest margin | 3.0702% | 4,733 |
| Noninterest income to average assets | 0.4322% | 3,431 |
| Noninterest expense to average assets | 2.2254% | 4,581 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7470% | 3,490 |
| Return on assets (ROA) | 0.7470% | 3,542 |
| Pretax return on assets | 1.0564% | 3,150 |
| Return on Equity (ROE) | 5.2058% | 4,301 |
| Retained earnings to average equity (ytd only) | 5.2058% | 2,784 |
| Net charge-offs to loans | 0.0051% | 2,797 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 297.0000% | 201 |
| Efficiency ratio | 67.8107% | 3,230 |
| Assets per employee ($millions) | 7.4138% | 782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3941% | 5,689 |
| Loan loss allowance to noncurrent loans | 78.2900% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 0.3537% | 3,789 |
| Noncurrent loans to loans | 0.5033% | 3,298 |
| Net loans and leases to total assets | 69.9873% | 2,381 |
| Net loans and leases to deposits | 90.6367% | 1,468 |
| Net loans and leases to core deposits | 91.4534% | 2,221 |
| Total domestic deposits to total assets | 77.2174% | 5,089 |
| Equity capital to assets | 14.4423% | 777 |
| Core capital (leverage) ratio | 14.3064% | 764 |
| Tier 1 risk-based capital ratio | 22.9990% | 979 |
| Total risk-based capital ratio | 23.4410% | 1,046 |
| Memoranda: |
| Average total assets | $674,742,000 | 1,086 |
| Average earning assets | $626,287,500 | 1,079 |
| Average equity | $96,816,000 | 852 |
| Average total loans | $473,599,500 | 1,083 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5954% | 4,515 |
| Cost of funding earning assets | 0.5840% | 1,463 |
| Net interest margin | 3.0114% | 4,937 |
| Noninterest income to average assets | 0.2650% | 4,833 |
| Noninterest expense to average assets | 2.3075% | 4,542 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4941% | 4,655 |
| Return on assets (ROA) | 0.4941% | 4,730 |
| Pretax return on assets | 0.7523% | 4,334 |
| Return on Equity (ROE) | 3.5330% | 5,002 |
| Retained earnings to average equity (ytd only) | 3.5330% | 3,419 |
| Net charge-offs to loans | 0.0434% | 3,165 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 25.1733% | 1,599 |
| Efficiency ratio | 75.4146% | 2,074 |
| Assets per employee ($millions) | 7.3351% | 787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3961% | 5,738 |
| Loan loss allowance to noncurrent loans | 62.9070% | 4,376 |
| Noncurrent assets plus other real estate owned to assets | 0.4414% | 3,501 |
| Noncurrent loans to loans | 0.6296% | 2,963 |
| Net loans and leases to total assets | 69.8375% | 2,505 |
| Net loans and leases to deposits | 90.2601% | 1,653 |
| Net loans and leases to core deposits | 90.8109% | 2,425 |
| Total domestic deposits to total assets | 77.3737% | 5,068 |
| Equity capital to assets | 14.2549% | 805 |
| Core capital (leverage) ratio | 14.2353% | 750 |
| Tier 1 risk-based capital ratio | 22.4859% | 1,015 |
| Total risk-based capital ratio | 22.9252% | 1,101 |
| Memoranda: |
| Average total assets | $675,961,000 | 1,049 |
| Average earning assets | $627,352,000 | 1,037 |
| Average equity | $94,536,600 | 847 |
| Average total loans | $465,553,000 | 1,040 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6154% | 4,504 |
| Cost of funding earning assets | 0.6200% | 1,207 |
| Net interest margin | 2.9955% | 5,021 |
| Noninterest income to average assets | 0.2652% | 4,878 |
| Noninterest expense to average assets | 2.3488% | 4,414 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4606% | 4,835 |
| Return on assets (ROA) | 0.4606% | 4,914 |
| Pretax return on assets | 0.6970% | 4,615 |
| Return on Equity (ROE) | 3.3091% | 5,141 |
| Retained earnings to average equity (ytd only) | 3.3091% | 3,919 |
| Net charge-offs to loans | 0.0009% | 3,923 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 1,178.3050% | 56 |
| Efficiency ratio | 77.1168% | 1,820 |
| Assets per employee ($millions) | 6.9005% | 924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4390% | 5,777 |
| Loan loss allowance to noncurrent loans | 67.3708% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 0.4799% | 3,515 |
| Noncurrent loans to loans | 0.6517% | 3,067 |
| Net loans and leases to total assets | 69.5167% | 2,565 |
| Net loans and leases to deposits | 89.1584% | 1,863 |
| Net loans and leases to core deposits | 89.6955% | 2,599 |
| Total domestic deposits to total assets | 77.9698% | 4,919 |
| Equity capital to assets | 14.0828% | 1,003 |
| Core capital (leverage) ratio | 14.0368% | 834 |
| Tier 1 risk-based capital ratio | 22.1807% | 1,116 |
| Total risk-based capital ratio | 22.6655% | 1,189 |
| Memoranda: |
| Average total assets | $676,244,000 | 1,048 |
| Average earning assets | $627,736,250 | 1,035 |
| Average equity | $94,121,750 | 851 |
| Average total loans | $463,651,750 | 1,048 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5789% | 4,654 |
| Cost of funding earning assets | 0.6150% | 1,226 |
| Net interest margin | 2.9639% | 5,145 |
| Noninterest income to average assets | 0.2671% | 4,876 |
| Noninterest expense to average assets | 2.3075% | 4,590 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4688% | 4,806 |
| Return on assets (ROA) | 0.4688% | 4,898 |
| Pretax return on assets | 0.7107% | 4,581 |
| Return on Equity (ROE) | 3.3813% | 5,133 |
| Retained earnings to average equity (ytd only) | 3.3813% | 3,740 |
| Net charge-offs to loans | 0.0004% | 3,684 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 2,403.0000% | 18 |
| Efficiency ratio | 76.4527% | 2,015 |
| Assets per employee ($millions) | 6.7108% | 994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4381% | 5,855 |
| Loan loss allowance to noncurrent loans | 62.1444% | 4,524 |
| Noncurrent assets plus other real estate owned to assets | 0.5174% | 3,489 |
| Noncurrent loans to loans | 0.7050% | 2,961 |
| Net loans and leases to total assets | 69.5690% | 2,539 |
| Net loans and leases to deposits | 89.2752% | 1,832 |
| Net loans and leases to core deposits | 89.8581% | 2,545 |
| Total domestic deposits to total assets | 77.9264% | 5,013 |
| Equity capital to assets | 13.9456% | 1,044 |
| Core capital (leverage) ratio | 13.9230% | 845 |
| Tier 1 risk-based capital ratio | 21.6155% | 1,181 |
| Total risk-based capital ratio | 22.0916% | 1,273 |
| Memoranda: |
| Average total assets | $676,243,670 | 1,054 |
| Average earning assets | $627,684,000 | 1,042 |
| Average equity | $93,751,000 | 852 |
| Average total loans | $460,810,330 | 1,052 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5263% | 4,825 |
| Cost of funding earning assets | 0.6073% | 1,290 |
| Net interest margin | 2.9190% | 5,289 |
| Noninterest income to average assets | 0.2617% | 4,853 |
| Noninterest expense to average assets | 2.2746% | 4,724 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4589% | 4,788 |
| Return on assets (ROA) | 0.4589% | 4,873 |
| Pretax return on assets | 0.6940% | 4,546 |
| Return on Equity (ROE) | 3.3203% | 5,118 |
| Retained earnings to average equity (ytd only) | 3.3203% | 3,835 |
| Net charge-offs to loans | -0.0018% | 4,112 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6208% | 2,092 |
| Assets per employee ($millions) | 6.6789% | 1,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4499% | 5,910 |
| Loan loss allowance to noncurrent loans | 83.6554% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 0.4928% | 3,633 |
| Noncurrent loans to loans | 0.5378% | 3,572 |
| Net loans and leases to total assets | 68.1617% | 2,628 |
| Net loans and leases to deposits | 87.4122% | 1,895 |
| Net loans and leases to core deposits | 87.9834% | 2,567 |
| Total domestic deposits to total assets | 77.9773% | 5,150 |
| Equity capital to assets | 13.9043% | 1,022 |
| Core capital (leverage) ratio | 13.8216% | 858 |
| Tier 1 risk-based capital ratio | 22.6626% | 1,063 |
| Total risk-based capital ratio | 23.1669% | 1,148 |
| Memoranda: |
| Average total assets | $675,469,000 | 1,049 |
| Average earning assets | $626,378,500 | 1,045 |
| Average equity | $93,365,500 | 851 |
| Average total loans | $454,411,000 | 1,068 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6277% | 4,597 |
| Cost of funding earning assets | 0.5822% | 1,481 |
| Net interest margin | 3.0455% | 5,036 |
| Noninterest income to average assets | 0.3582% | 4,341 |
| Noninterest expense to average assets | 2.3713% | 4,585 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5513% | 4,491 |
| Return on assets (ROA) | 0.5513% | 4,590 |
| Pretax return on assets | 0.7977% | 4,197 |
| Return on Equity (ROE) | 4.0574% | 4,922 |
| Retained earnings to average equity (ytd only) | 4.0574% | 3,125 |
| Net charge-offs to loans | 0.0233% | 3,796 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 50.7714% | 988 |
| Efficiency ratio | 74.8277% | 2,453 |
| Assets per employee ($millions) | 7.0455% | 871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4645% | 5,945 |
| Loan loss allowance to noncurrent loans | 67.8653% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 0.5766% | 3,364 |
| Noncurrent loans to loans | 0.6844% | 3,148 |
| Net loans and leases to total assets | 65.7734% | 3,017 |
| Net loans and leases to deposits | 83.1582% | 2,457 |
| Net loans and leases to core deposits | 83.6116% | 2,996 |
| Total domestic deposits to total assets | 79.0943% | 4,956 |
| Equity capital to assets | 13.7405% | 1,023 |
| Core capital (leverage) ratio | 13.7956% | 878 |
| Tier 1 risk-based capital ratio | 22.8305% | 1,034 |
| Total risk-based capital ratio | 23.3422% | 1,110 |
| Memoranda: |
| Average total assets | $668,278,400 | 1,026 |
| Average earning assets | $616,777,000 | 1,021 |
| Average equity | $90,796,400 | 836 |
| Average total loans | $451,082,000 | 1,022 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6667% | 4,535 |
| Cost of funding earning assets | 0.5832% | 1,516 |
| Net interest margin | 3.0836% | 5,005 |
| Noninterest income to average assets | 0.2832% | 4,921 |
| Noninterest expense to average assets | 2.4252% | 4,436 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4625% | 4,927 |
| Return on assets (ROA) | 0.4625% | 5,021 |
| Pretax return on assets | 0.7002% | 4,681 |
| Return on Equity (ROE) | 3.4137% | 5,249 |
| Retained earnings to average equity (ytd only) | 3.4137% | 4,044 |
| Net charge-offs to loans | 0.0289% | 3,361 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 35.7050% | 1,342 |
| Efficiency ratio | 77.5964% | 2,005 |
| Assets per employee ($millions) | 6.6104% | 1,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4631% | 6,046 |
| Loan loss allowance to noncurrent loans | 75.0360% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 0.5457% | 3,667 |
| Noncurrent loans to loans | 0.6171% | 3,466 |
| Net loans and leases to total assets | 67.7326% | 2,723 |
| Net loans and leases to deposits | 85.4031% | 2,219 |
| Net loans and leases to core deposits | 86.0638% | 2,848 |
| Total domestic deposits to total assets | 79.3093% | 4,909 |
| Equity capital to assets | 13.8295% | 1,092 |
| Core capital (leverage) ratio | 13.7300% | 934 |
| Tier 1 risk-based capital ratio | 22.4450% | 1,136 |
| Total risk-based capital ratio | 22.9574% | 1,209 |
| Memoranda: |
| Average total assets | $666,255,250 | 1,035 |
| Average earning assets | $614,116,500 | 1,031 |
| Average equity | $90,261,250 | 848 |
| Average total loans | $452,115,500 | 1,023 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6354% | 4,620 |
| Cost of funding earning assets | 0.5810% | 1,552 |
| Net interest margin | 3.0544% | 5,079 |
| Noninterest income to average assets | 0.2599% | 5,093 |
| Noninterest expense to average assets | 2.3638% | 4,683 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4692% | 4,894 |
| Return on assets (ROA) | 0.4692% | 4,993 |
| Pretax return on assets | 0.7135% | 4,613 |
| Return on Equity (ROE) | 3.4871% | 5,235 |
| Retained earnings to average equity (ytd only) | 3.4871% | 3,822 |
| Net charge-offs to loans | 0.0640% | 2,465 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 16.4345% | 1,910 |
| Efficiency ratio | 76.8146% | 2,227 |
| Assets per employee ($millions) | 6.4531% | 1,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4482% | 6,134 |
| Loan loss allowance to noncurrent loans | 45.7015% | 5,123 |
| Noncurrent assets plus other real estate owned to assets | 0.7702% | 3,080 |
| Noncurrent loans to loans | 0.9807% | 2,683 |
| Net loans and leases to total assets | 68.0413% | 2,637 |
| Net loans and leases to deposits | 85.4477% | 2,116 |
| Net loans and leases to core deposits | 86.0670% | 2,760 |
| Total domestic deposits to total assets | 79.6291% | 4,946 |
| Equity capital to assets | 13.6383% | 1,115 |
| Core capital (leverage) ratio | 13.5140% | 983 |
| Tier 1 risk-based capital ratio | 22.0862% | 1,195 |
| Total risk-based capital ratio | 22.5831% | 1,287 |
| Memoranda: |
| Average total assets | $667,993,000 | 1,041 |
| Average earning assets | $616,156,670 | 1,031 |
| Average equity | $89,875,330 | 856 |
| Average total loans | $452,879,330 | 1,024 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5768% | 4,761 |
| Cost of funding earning assets | 0.5801% | 1,581 |
| Net interest margin | 2.9968% | 5,224 |
| Noninterest income to average assets | 0.2527% | 5,152 |
| Noninterest expense to average assets | 2.3385% | 4,772 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4474% | 4,885 |
| Return on assets (ROA) | 0.4474% | 4,999 |
| Pretax return on assets | 0.6792% | 4,657 |
| Return on Equity (ROE) | 3.3479% | 5,236 |
| Retained earnings to average equity (ytd only) | 3.3479% | 3,977 |
| Net charge-offs to loans | 0.1407% | 1,405 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 7.1509% | 2,204 |
| Efficiency ratio | 77.4941% | 2,269 |
| Assets per employee ($millions) | 6.5387% | 1,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4506% | 6,204 |
| Loan loss allowance to noncurrent loans | 42.4465% | 5,230 |
| Noncurrent assets plus other real estate owned to assets | 0.8142% | 3,064 |
| Noncurrent loans to loans | 1.0615% | 2,640 |
| Net loans and leases to total assets | 67.0182% | 2,605 |
| Net loans and leases to deposits | 83.3826% | 2,157 |
| Net loans and leases to core deposits | 84.0211% | 2,769 |
| Total domestic deposits to total assets | 80.3744% | 4,965 |
| Equity capital to assets | 13.4779% | 1,179 |
| Core capital (leverage) ratio | 13.3335% | 1,041 |
| Tier 1 risk-based capital ratio | 22.0318% | 1,238 |
| Total risk-based capital ratio | 22.5287% | 1,350 |
| Memoranda: |
| Average total assets | $669,654,500 | 1,041 |
| Average earning assets | $617,868,000 | 1,036 |
| Average equity | $89,488,000 | 862 |
| Average total loans | $452,176,000 | 1,030 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8535% | 4,304 |
| Cost of funding earning assets | 0.6498% | 1,409 |
| Net interest margin | 3.2037% | 4,905 |
| Noninterest income to average assets | 0.3131% | 4,883 |
| Noninterest expense to average assets | 2.3691% | 4,923 |
| Loan and lease loss provision to assets | -0.0294% | 5,963 |
| Net operating income to assets | 0.6157% | 4,295 |
| Return on assets (ROA) | 0.6326% | 4,327 |
| Pretax return on assets | 0.9594% | 3,650 |
| Return on Equity (ROE) | 4.9430% | 4,695 |
| Retained earnings to average equity (ytd only) | 4.9430% | 2,640 |
| Net charge-offs to loans | -0.0630% | 6,006 |
| Credit loss provision to net charge-offs | 68.0272% | 3,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3734% | 3,142 |
| Assets per employee ($millions) | 6.5918% | 1,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4790% | 6,274 |
| Loan loss allowance to noncurrent loans | 90.7238% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 0.4324% | 4,377 |
| Noncurrent loans to loans | 0.5279% | 4,086 |
| Net loans and leases to total assets | 67.4000% | 2,668 |
| Net loans and leases to deposits | 83.5969% | 2,263 |
| Net loans and leases to core deposits | 84.2284% | 2,877 |
| Total domestic deposits to total assets | 80.6250% | 4,849 |
| Equity capital to assets | 13.2496% | 1,250 |
| Core capital (leverage) ratio | 12.8540% | 1,195 |
| Tier 1 risk-based capital ratio | 21.5357% | 1,305 |
| Total risk-based capital ratio | 22.0723% | 1,413 |
| Memoranda: |
| Average total assets | $681,271,400 | 979 |
| Average earning assets | $629,530,200 | 976 |
| Average equity | $87,193,600 | 850 |
| Average total loans | $467,032,800 | 951 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8758% | 4,252 |
| Cost of funding earning assets | 0.6650% | 1,355 |
| Net interest margin | 3.2107% | 4,930 |
| Noninterest income to average assets | 0.2596% | 5,355 |
| Noninterest expense to average assets | 2.3890% | 4,867 |
| Loan and lease loss provision to assets | -0.0390% | 6,149 |
| Net operating income to assets | 0.5745% | 4,570 |
| Return on assets (ROA) | 0.5967% | 4,544 |
| Pretax return on assets | 0.9114% | 3,942 |
| Return on Equity (ROE) | 4.7031% | 4,859 |
| Retained earnings to average equity (ytd only) | 4.7031% | 3,281 |
| Net charge-offs to loans | -0.1160% | 6,186 |
| Credit loss provision to net charge-offs | 48.8998% | 3,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0268% | 2,816 |
| Assets per employee ($millions) | 6.4725% | 1,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5058% | 6,332 |
| Loan loss allowance to noncurrent loans | 59.2280% | 4,818 |
| Noncurrent assets plus other real estate owned to assets | 0.6477% | 3,893 |
| Noncurrent loans to loans | 0.8539% | 3,431 |
| Net loans and leases to total assets | 67.0664% | 2,677 |
| Net loans and leases to deposits | 82.7043% | 2,337 |
| Net loans and leases to core deposits | 83.2913% | 2,964 |
| Total domestic deposits to total assets | 81.0918% | 4,797 |
| Equity capital to assets | 12.9779% | 1,436 |
| Core capital (leverage) ratio | 12.5820% | 1,360 |
| Tier 1 risk-based capital ratio | 21.2719% | 1,396 |
| Total risk-based capital ratio | 21.8441% | 1,494 |
| Memoranda: |
| Average total assets | $683,498,000 | 989 |
| Average earning assets | $631,739,500 | 982 |
| Average equity | $86,720,500 | 855 |
| Average total loans | $469,952,250 | 948 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8222% | 4,440 |
| Cost of funding earning assets | 0.6727% | 1,357 |
| Net interest margin | 3.1495% | 5,092 |
| Noninterest income to average assets | 0.2564% | 5,362 |
| Noninterest expense to average assets | 2.3537% | 5,012 |
| Loan and lease loss provision to assets | -0.0584% | 6,310 |
| Net operating income to assets | 0.5861% | 4,425 |
| Return on assets (ROA) | 0.6203% | 4,345 |
| Pretax return on assets | 0.9261% | 3,780 |
| Return on Equity (ROE) | 4.9265% | 4,710 |
| Retained earnings to average equity (ytd only) | 4.9265% | 3,005 |
| Net charge-offs to loans | -0.0612% | 5,965 |
| Credit loss provision to net charge-offs | 137.9310% | 1,542 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2423% | 2,933 |
| Assets per employee ($millions) | 6.7524% | 897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4335% | 6,467 |
| Loan loss allowance to noncurrent loans | 58.5067% | 4,867 |
| Noncurrent assets plus other real estate owned to assets | 0.5806% | 4,244 |
| Noncurrent loans to loans | 0.7409% | 3,849 |
| Net loans and leases to total assets | 68.4700% | 2,331 |
| Net loans and leases to deposits | 84.2062% | 2,016 |
| Net loans and leases to core deposits | 84.8564% | 2,635 |
| Total domestic deposits to total assets | 81.3123% | 4,874 |
| Equity capital to assets | 12.6718% | 1,552 |
| Core capital (leverage) ratio | 12.4864% | 1,404 |
| Tier 1 risk-based capital ratio | 20.4676% | 1,574 |
| Total risk-based capital ratio | 20.9601% | 1,723 |
| Memoranda: |
| Average total assets | $684,792,000 | 987 |
| Average earning assets | $633,563,330 | 976 |
| Average equity | $86,227,330 | 855 |
| Average total loans | $473,899,330 | 935 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8398% | 4,322 |
| Cost of funding earning assets | 0.6843% | 1,338 |
| Net interest margin | 3.1555% | 5,069 |
| Noninterest income to average assets | 0.2460% | 5,391 |
| Noninterest expense to average assets | 2.3339% | 5,117 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5483% | 4,464 |
| Return on assets (ROA) | 0.5483% | 4,534 |
| Pretax return on assets | 0.8295% | 3,980 |
| Return on Equity (ROE) | 4.3686% | 4,856 |
| Retained earnings to average equity (ytd only) | 4.3686% | 3,506 |
| Net charge-offs to loans | -0.0245% | 5,448 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7778% | 3,183 |
| Assets per employee ($millions) | 6.6028% | 966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4537% | 6,533 |
| Loan loss allowance to noncurrent loans | 68.8366% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 0.5770% | 4,417 |
| Noncurrent loans to loans | 0.6590% | 4,216 |
| Net loans and leases to total assets | 68.9180% | 2,069 |
| Net loans and leases to deposits | 84.8808% | 1,735 |
| Net loans and leases to core deposits | 85.5905% | 2,358 |
| Total domestic deposits to total assets | 81.1939% | 5,182 |
| Equity capital to assets | 12.6733% | 1,471 |
| Core capital (leverage) ratio | 12.2345% | 1,516 |
| Tier 1 risk-based capital ratio | 20.4848% | 1,590 |
| Total risk-based capital ratio | 21.0259% | 1,742 |
| Memoranda: |
| Average total assets | $682,818,000 | 996 |
| Average earning assets | $631,276,500 | 986 |
| Average equity | $85,703,000 | 856 |
| Average total loans | $474,032,500 | 939 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8247% | 4,720 |
| Cost of funding earning assets | 0.7821% | 1,309 |
| Net interest margin | 3.0427% | 5,471 |
| Noninterest income to average assets | 0.3153% | 5,085 |
| Noninterest expense to average assets | 2.4616% | 4,887 |
| Loan and lease loss provision to assets | -0.0997% | 6,483 |
| Net operating income to assets | 0.5382% | 4,565 |
| Return on assets (ROA) | 0.5382% | 4,690 |
| Pretax return on assets | 0.7584% | 4,306 |
| Return on Equity (ROE) | 4.5030% | 4,893 |
| Retained earnings to average equity (ytd only) | 4.5030% | 2,974 |
| Net charge-offs to loans | -0.1580% | 6,578 |
| Credit loss provision to net charge-offs | 96.2343% | 2,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8899% | 2,340 |
| Assets per employee ($millions) | 6.5290% | 977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4415% | 6,613 |
| Loan loss allowance to noncurrent loans | 74.7163% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 0.5680% | 4,535 |
| Noncurrent loans to loans | 0.5909% | 4,505 |
| Net loans and leases to total assets | 69.3049% | 2,124 |
| Net loans and leases to deposits | 85.3272% | 1,768 |
| Net loans and leases to core deposits | 86.2731% | 2,412 |
| Total domestic deposits to total assets | 81.2226% | 5,113 |
| Equity capital to assets | 12.4304% | 1,548 |
| Core capital (leverage) ratio | 12.0350% | 1,582 |
| Tier 1 risk-based capital ratio | 20.1034% | 1,631 |
| Total risk-based capital ratio | 20.6257% | 1,780 |
| Memoranda: |
| Average total assets | $692,277,600 | 955 |
| Average earning assets | $638,192,800 | 952 |
| Average equity | $82,744,800 | 862 |
| Average total loans | $453,762,400 | 938 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7950% | 4,871 |
| Cost of funding earning assets | 0.8031% | 1,302 |
| Net interest margin | 2.9919% | 5,618 |
| Noninterest income to average assets | 0.3472% | 4,909 |
| Noninterest expense to average assets | 2.4600% | 4,839 |
| Loan and lease loss provision to assets | 0.0901% | 3,259 |
| Net operating income to assets | 0.3837% | 5,307 |
| Return on assets (ROA) | 0.3837% | 5,450 |
| Pretax return on assets | 0.5528% | 5,198 |
| Return on Equity (ROE) | 3.2421% | 5,514 |
| Retained earnings to average equity (ytd only) | 3.2421% | 4,369 |
| Net charge-offs to loans | 0.1301% | 3,231 |
| Credit loss provision to net charge-offs | 107.3227% | 2,187 |
| Earnings coverage of net charge-offs (x) | 7.6568% | 2,763 |
| Efficiency ratio | 79.2817% | 2,224 |
| Assets per employee ($millions) | 6.4619% | 947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4450% | 6,692 |
| Loan loss allowance to noncurrent loans | 50.7326% | 5,197 |
| Noncurrent assets plus other real estate owned to assets | 0.7574% | 4,210 |
| Noncurrent loans to loans | 0.8772% | 4,064 |
| Net loans and leases to total assets | 68.3357% | 2,252 |
| Net loans and leases to deposits | 83.6866% | 1,917 |
| Net loans and leases to core deposits | 84.6796% | 2,577 |
| Total domestic deposits to total assets | 81.6567% | 5,042 |
| Equity capital to assets | 12.0295% | 1,899 |
| Core capital (leverage) ratio | 11.6921% | 1,893 |
| Tier 1 risk-based capital ratio | 19.6226% | 1,833 |
| Total risk-based capital ratio | 20.1386% | 1,985 |
| Memoranda: |
| Average total assets | $693,960,250 | 960 |
| Average earning assets | $639,169,250 | 955 |
| Average equity | $82,127,000 | 869 |
| Average total loans | $447,896,750 | 959 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8096% | 4,795 |
| Cost of funding earning assets | 0.8319% | 1,247 |
| Net interest margin | 2.9777% | 5,619 |
| Noninterest income to average assets | 0.2735% | 5,492 |
| Noninterest expense to average assets | 2.4816% | 4,798 |
| Loan and lease loss provision to assets | 0.0979% | 3,158 |
| Net operating income to assets | 0.3086% | 5,582 |
| Return on assets (ROA) | 0.3086% | 5,727 |
| Pretax return on assets | 0.4398% | 5,551 |
| Return on Equity (ROE) | 2.6217% | 5,747 |
| Retained earnings to average equity (ytd only) | 2.6217% | 4,641 |
| Net charge-offs to loans | 0.2018% | 2,545 |
| Credit loss provision to net charge-offs | 76.7494% | 2,692 |
| Earnings coverage of net charge-offs (x) | 4.2167% | 3,185 |
| Efficiency ratio | 82.1909% | 1,859 |
| Assets per employee ($millions) | 6.4014% | 959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4376% | 6,749 |
| Loan loss allowance to noncurrent loans | 36.2022% | 5,793 |
| Noncurrent assets plus other real estate owned to assets | 1.1526% | 3,441 |
| Noncurrent loans to loans | 1.2089% | 3,534 |
| Net loans and leases to total assets | 65.6621% | 2,650 |
| Net loans and leases to deposits | 80.3665% | 2,274 |
| Net loans and leases to core deposits | 81.3259% | 2,882 |
| Total domestic deposits to total assets | 81.7033% | 5,143 |
| Equity capital to assets | 12.0100% | 1,908 |
| Core capital (leverage) ratio | 11.3772% | 2,037 |
| Tier 1 risk-based capital ratio | 19.6492% | 1,810 |
| Total risk-based capital ratio | 20.1491% | 1,982 |
| Memoranda: |
| Average total assets | $694,807,330 | 958 |
| Average earning assets | $640,697,670 | 956 |
| Average equity | $81,778,000 | 878 |
| Average total loans | $438,996,330 | 972 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7929% | 4,843 |
| Cost of funding earning assets | 0.8566% | 1,220 |
| Net interest margin | 2.9363% | 5,738 |
| Noninterest income to average assets | 0.2772% | 5,471 |
| Noninterest expense to average assets | 2.4461% | 4,963 |
| Loan and lease loss provision to assets | 0.0314% | 4,055 |
| Net operating income to assets | 0.3464% | 5,369 |
| Return on assets (ROA) | 0.3464% | 5,514 |
| Pretax return on assets | 0.5059% | 5,235 |
| Return on Equity (ROE) | 2.9729% | 5,592 |
| Retained earnings to average equity (ytd only) | 2.9729% | 4,498 |
| Net charge-offs to loans | 0.2071% | 2,179 |
| Credit loss provision to net charge-offs | 24.5536% | 2,970 |
| Earnings coverage of net charge-offs (x) | 4.1964% | 2,601 |
| Efficiency ratio | 81.9889% | 2,039 |
| Assets per employee ($millions) | 6.8060% | 848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4373% | 6,834 |
| Loan loss allowance to noncurrent loans | 34.7961% | 5,832 |
| Noncurrent assets plus other real estate owned to assets | 1.2714% | 3,434 |
| Noncurrent loans to loans | 1.2567% | 3,677 |
| Net loans and leases to total assets | 62.6777% | 2,939 |
| Net loans and leases to deposits | 77.7476% | 2,376 |
| Net loans and leases to core deposits | 78.6728% | 2,975 |
| Total domestic deposits to total assets | 80.6170% | 5,594 |
| Equity capital to assets | 11.7879% | 2,187 |
| Core capital (leverage) ratio | 11.3595% | 1,968 |
| Tier 1 risk-based capital ratio | 19.8522% | 1,812 |
| Total risk-based capital ratio | 20.3332% | 1,999 |
| Memoranda: |
| Average total assets | $699,733,500 | 958 |
| Average earning assets | $644,888,500 | 948 |
| Average equity | $81,535,500 | 898 |
| Average total loans | $432,628,000 | 989 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9942% | 5,327 |
| Cost of funding earning assets | 1.0085% | 1,313 |
| Net interest margin | 2.9857% | 6,079 |
| Noninterest income to average assets | 0.2621% | 5,592 |
| Noninterest expense to average assets | 2.5667% | 4,877 |
| Loan and lease loss provision to assets | 0.0222% | 5,620 |
| Net operating income to assets | 0.2841% | 5,520 |
| Return on assets (ROA) | 0.2841% | 5,734 |
| Pretax return on assets | 0.4265% | 5,497 |
| Return on Equity (ROE) | 2.4493% | 5,775 |
| Retained earnings to average equity (ytd only) | 2.4493% | 4,515 |
| Net charge-offs to loans | 0.0937% | 4,736 |
| Credit loss provision to net charge-offs | 40.2089% | 4,931 |
| Earnings coverage of net charge-offs (x) | 8.1227% | 2,466 |
| Efficiency ratio | 85.1198% | 1,504 |
| Assets per employee ($millions) | 6.9827% | 771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4855% | 6,847 |
| Loan loss allowance to noncurrent loans | 27.5328% | 6,162 |
| Noncurrent assets plus other real estate owned to assets | 1.5477% | 3,068 |
| Noncurrent loans to loans | 1.7633% | 2,970 |
| Net loans and leases to total assets | 60.4249% | 3,529 |
| Net loans and leases to deposits | 74.8200% | 2,987 |
| Net loans and leases to core deposits | 75.7392% | 3,566 |
| Total domestic deposits to total assets | 80.7603% | 5,467 |
| Equity capital to assets | 11.5189% | 2,426 |
| Core capital (leverage) ratio | 11.2049% | 2,088 |
| Tier 1 risk-based capital ratio | 19.6007% | 1,787 |
| Total risk-based capital ratio | 20.1200% | 1,963 |
| Memoranda: |
| Average total assets | $693,344,800 | 949 |
| Average earning assets | $639,370,800 | 941 |
| Average equity | $80,430,600 | 870 |
| Average total loans | $408,967,000 | 1,026 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0749% | 5,281 |
| Cost of funding earning assets | 1.0401% | 1,343 |
| Net interest margin | 3.0348% | 6,095 |
| Noninterest income to average assets | 0.2800% | 5,536 |
| Noninterest expense to average assets | 2.5792% | 4,807 |
| Loan and lease loss provision to assets | 0.0073% | 5,714 |
| Net operating income to assets | 0.3295% | 5,511 |
| Return on assets (ROA) | 0.3295% | 5,716 |
| Pretax return on assets | 0.4925% | 5,488 |
| Return on Equity (ROE) | 2.8352% | 5,732 |
| Retained earnings to average equity (ytd only) | 2.8352% | 4,848 |
| Net charge-offs to loans | 0.0858% | 4,530 |
| Credit loss provision to net charge-offs | 14.6154% | 5,024 |
| Earnings coverage of net charge-offs (x) | 9.9538% | 2,251 |
| Efficiency ratio | 83.7672% | 1,620 |
| Assets per employee ($millions) | 6.7424% | 840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5062% | 6,948 |
| Loan loss allowance to noncurrent loans | 23.7721% | 6,388 |
| Noncurrent assets plus other real estate owned to assets | 1.9023% | 2,780 |
| Noncurrent loans to loans | 2.1295% | 2,693 |
| Net loans and leases to total assets | 59.0362% | 3,957 |
| Net loans and leases to deposits | 73.3953% | 3,386 |
| Net loans and leases to core deposits | 74.3491% | 3,932 |
| Total domestic deposits to total assets | 80.4359% | 5,538 |
| Equity capital to assets | 11.6819% | 2,552 |
| Core capital (leverage) ratio | 11.3072% | 2,129 |
| Tier 1 risk-based capital ratio | 20.0660% | 1,738 |
| Total risk-based capital ratio | 20.5979% | 1,883 |
| Memoranda: |
| Average total assets | $690,366,750 | 963 |
| Average earning assets | $636,729,500 | 953 |
| Average equity | $80,228,750 | 873 |
| Average total loans | $404,151,250 | 1,039 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0239% | 5,574 |
| Cost of funding earning assets | 1.0767% | 1,325 |
| Net interest margin | 2.9472% | 6,345 |
| Noninterest income to average assets | 0.2787% | 5,581 |
| Noninterest expense to average assets | 2.5599% | 4,923 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3022% | 5,615 |
| Return on assets (ROA) | 0.3022% | 5,816 |
| Pretax return on assets | 0.4369% | 5,611 |
| Return on Equity (ROE) | 2.6048% | 5,841 |
| Retained earnings to average equity (ytd only) | 2.6048% | 4,880 |
| Net charge-offs to loans | 0.0025% | 5,481 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 301.0000% | 144 |
| Efficiency ratio | 85.4223% | 1,485 |
| Assets per employee ($millions) | 6.7552% | 833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5633% | 6,967 |
| Loan loss allowance to noncurrent loans | 20.1135% | 6,514 |
| Noncurrent assets plus other real estate owned to assets | 2.2410% | 2,500 |
| Noncurrent loans to loans | 2.8007% | 2,133 |
| Net loans and leases to total assets | 58.9996% | 3,994 |
| Net loans and leases to deposits | 73.3282% | 3,409 |
| Net loans and leases to core deposits | 74.2514% | 3,991 |
| Total domestic deposits to total assets | 80.4596% | 5,627 |
| Equity capital to assets | 11.6753% | 2,435 |
| Core capital (leverage) ratio | 11.2715% | 2,066 |
| Tier 1 risk-based capital ratio | 20.0374% | 1,697 |
| Total risk-based capital ratio | 20.6280% | 1,850 |
| Memoranda: |
| Average total assets | $689,000,000 | 960 |
| Average earning assets | $635,455,000 | 952 |
| Average equity | $79,929,330 | 868 |
| Average total loans | $401,510,670 | 1,049 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9514% | 5,901 |
| Cost of funding earning assets | 1.1065% | 1,372 |
| Net interest margin | 2.8449% | 6,560 |
| Noninterest income to average assets | 0.2752% | 5,671 |
| Noninterest expense to average assets | 2.4720% | 5,240 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3100% | 5,628 |
| Return on assets (ROA) | 0.3100% | 5,791 |
| Pretax return on assets | 0.4273% | 5,647 |
| Return on Equity (ROE) | 2.6810% | 5,836 |
| Retained earnings to average equity (ytd only) | 2.6810% | 4,918 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2623% | 1,551 |
| Assets per employee ($millions) | 6.8688% | 807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5745% | 7,005 |
| Loan loss allowance to noncurrent loans | 18.0355% | 6,619 |
| Noncurrent assets plus other real estate owned to assets | 2.2864% | 2,605 |
| Noncurrent loans to loans | 3.1854% | 2,017 |
| Net loans and leases to total assets | 57.5770% | 4,117 |
| Net loans and leases to deposits | 71.4333% | 3,521 |
| Net loans and leases to core deposits | 72.5473% | 4,072 |
| Total domestic deposits to total assets | 80.6025% | 5,700 |
| Equity capital to assets | 11.5181% | 2,427 |
| Core capital (leverage) ratio | 11.1272% | 2,163 |
| Tier 1 risk-based capital ratio | 19.5766% | 1,818 |
| Total risk-based capital ratio | 20.1653% | 1,977 |
| Memoranda: |
| Average total assets | $688,983,000 | 960 |
| Average earning assets | $635,529,500 | 950 |
| Average equity | $79,670,500 | 868 |
| Average total loans | $397,851,000 | 1,062 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0072% | 6,442 |
| Cost of funding earning assets | 1.2304% | 1,837 |
| Net interest margin | 2.7768% | 6,845 |
| Noninterest income to average assets | 0.2960% | 5,412 |
| Noninterest expense to average assets | 2.5904% | 5,134 |
| Loan and lease loss provision to assets | 0.0942% | 5,415 |
| Net operating income to assets | 0.1260% | 5,803 |
| Return on assets (ROA) | 0.1938% | 5,736 |
| Pretax return on assets | 0.2712% | 5,631 |
| Return on Equity (ROE) | 1.6596% | 5,785 |
| Retained earnings to average equity (ytd only) | 1.6596% | 5,024 |
| Net charge-offs to loans | 0.7728% | 2,221 |
| Credit loss provision to net charge-offs | 23.6930% | 5,868 |
| Earnings coverage of net charge-offs (x) | 0.6789% | 5,306 |
| Efficiency ratio | 90.5648% | 1,144 |
| Assets per employee ($millions) | 6.7745% | 828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6341% | 6,981 |
| Loan loss allowance to noncurrent loans | 16.2810% | 6,714 |
| Noncurrent assets plus other real estate owned to assets | 2.3003% | 2,625 |
| Noncurrent loans to loans | 3.8946% | 1,607 |
| Net loans and leases to total assets | 57.2123% | 4,512 |
| Net loans and leases to deposits | 71.3504% | 3,894 |
| Net loans and leases to core deposits | 72.4523% | 4,448 |
| Total domestic deposits to total assets | 80.1849% | 5,689 |
| Equity capital to assets | 11.6095% | 2,414 |
| Core capital (leverage) ratio | 11.1343% | 2,168 |
| Tier 1 risk-based capital ratio | 19.7941% | 1,685 |
| Total risk-based capital ratio | 20.4424% | 1,809 |
| Memoranda: |
| Average total assets | $678,456,000 | 955 |
| Average earning assets | $626,543,600 | 945 |
| Average equity | $79,236,000 | 848 |
| Average total loans | $349,009,400 | 1,212 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0298% | 6,543 |
| Cost of funding earning assets | 1.2497% | 1,999 |
| Net interest margin | 2.7801% | 6,909 |
| Noninterest income to average assets | 0.3051% | 5,419 |
| Noninterest expense to average assets | 2.5372% | 5,326 |
| Loan and lease loss provision to assets | 0.1759% | 4,282 |
| Net operating income to assets | 0.1184% | 5,922 |
| Return on assets (ROA) | 0.2141% | 5,795 |
| Pretax return on assets | 0.2873% | 5,730 |
| Return on Equity (ROE) | 1.8302% | 5,830 |
| Retained earnings to average equity (ytd only) | 1.8302% | 5,221 |
| Net charge-offs to loans | 1.0354% | 1,543 |
| Credit loss provision to net charge-offs | 34.0450% | 5,356 |
| Earnings coverage of net charge-offs (x) | 0.6496% | 5,137 |
| Efficiency ratio | 88.3184% | 1,315 |
| Assets per employee ($millions) | 6.2943% | 1,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7680% | 6,867 |
| Loan loss allowance to noncurrent loans | 15.7210% | 6,795 |
| Noncurrent assets plus other real estate owned to assets | 2.6444% | 2,450 |
| Noncurrent loans to loans | 4.8852% | 1,295 |
| Net loans and leases to total assets | 53.7140% | 5,207 |
| Net loans and leases to deposits | 67.2389% | 4,732 |
| Net loans and leases to core deposits | 68.3527% | 5,140 |
| Total domestic deposits to total assets | 79.8853% | 5,767 |
| Equity capital to assets | 11.7391% | 2,460 |
| Core capital (leverage) ratio | 11.3363% | 2,135 |
| Tier 1 risk-based capital ratio | 21.9954% | 1,290 |
| Total risk-based capital ratio | 22.8045% | 1,329 |
| Memoranda: |
| Average total assets | $677,014,500 | 968 |
| Average earning assets | $625,288,500 | 953 |
| Average equity | $79,186,250 | 854 |
| Average total loans | $337,772,500 | 1,266 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0373% | 6,602 |
| Cost of funding earning assets | 1.2620% | 2,170 |
| Net interest margin | 2.7754% | 6,955 |
| Noninterest income to average assets | 0.3071% | 5,440 |
| Noninterest expense to average assets | 2.4452% | 5,712 |
| Loan and lease loss provision to assets | 0.2310% | 3,600 |
| Net operating income to assets | 0.1511% | 5,880 |
| Return on assets (ROA) | 0.1719% | 5,927 |
| Pretax return on assets | 0.2207% | 5,886 |
| Return on Equity (ROE) | 1.4712% | 5,948 |
| Retained earnings to average equity (ytd only) | 1.4712% | 5,247 |
| Net charge-offs to loans | 0.4144% | 2,895 |
| Credit loss provision to net charge-offs | 115.0221% | 2,665 |
| Earnings coverage of net charge-offs (x) | 2.1163% | 3,788 |
| Efficiency ratio | 85.1901% | 1,683 |
| Assets per employee ($millions) | 6.2289% | 1,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3332% | 4,910 |
| Loan loss allowance to noncurrent loans | 20.9001% | 6,693 |
| Noncurrent assets plus other real estate owned to assets | 3.3130% | 2,009 |
| Noncurrent loans to loans | 6.3787% | 890 |
| Net loans and leases to total assets | 51.2455% | 5,663 |
| Net loans and leases to deposits | 63.9900% | 5,274 |
| Net loans and leases to core deposits | 65.0860% | 5,603 |
| Total domestic deposits to total assets | 80.0835% | 5,802 |
| Equity capital to assets | 11.7975% | 2,249 |
| Core capital (leverage) ratio | 11.3190% | 2,037 |
| Tier 1 risk-based capital ratio | 22.6402% | 1,174 |
| Total risk-based capital ratio | 23.8918% | 1,155 |
| Memoranda: |
| Average total assets | $676,090,670 | 980 |
| Average earning assets | $624,425,670 | 962 |
| Average equity | $78,981,330 | 857 |
| Average total loans | $327,708,000 | 1,316 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1403% | 6,418 |
| Cost of funding earning assets | 1.2753% | 2,335 |
| Net interest margin | 2.8650% | 6,810 |
| Noninterest income to average assets | 0.2998% | 5,522 |
| Noninterest expense to average assets | 2.4256% | 5,810 |
| Loan and lease loss provision to assets | 0.2815% | 2,895 |
| Net operating income to assets | 0.1779% | 5,859 |
| Return on assets (ROA) | 0.2178% | 5,789 |
| Pretax return on assets | 0.2910% | 5,681 |
| Return on Equity (ROE) | 1.8733% | 5,832 |
| Retained earnings to average equity (ytd only) | 1.8733% | 4,993 |
| Net charge-offs to loans | 0.6097% | 1,977 |
| Credit loss provision to net charge-offs | 98.7578% | 2,768 |
| Earnings coverage of net charge-offs (x) | 1.8219% | 3,396 |
| Efficiency ratio | 82.3647% | 2,173 |
| Assets per employee ($millions) | 6.7653% | 823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3959% | 4,685 |
| Loan loss allowance to noncurrent loans | 22.1035% | 6,685 |
| Noncurrent assets plus other real estate owned to assets | 3.0427% | 2,269 |
| Noncurrent loans to loans | 6.3155% | 971 |
| Net loans and leases to total assets | 47.5063% | 6,134 |
| Net loans and leases to deposits | 59.3304% | 5,788 |
| Net loans and leases to core deposits | 60.3739% | 6,067 |
| Total domestic deposits to total assets | 80.0707% | 5,929 |
| Equity capital to assets | 11.6738% | 2,140 |
| Core capital (leverage) ratio | 11.5256% | 1,831 |
| Tier 1 risk-based capital ratio | 23.5251% | 1,021 |
| Total risk-based capital ratio | 24.7766% | 1,001 |
| Memoranda: |
| Average total assets | $677,776,500 | 987 |
| Average earning assets | $625,751,500 | 968 |
| Average equity | $78,790,000 | 847 |
| Average total loans | $316,864,000 | 1,377 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7237% | 7,297 |
| Cost of funding earning assets | 1.4375% | 3,032 |
| Net interest margin | 2.2862% | 7,378 |
| Noninterest income to average assets | 0.4359% | 4,627 |
| Noninterest expense to average assets | 2.4029% | 6,084 |
| Loan and lease loss provision to assets | 0.2054% | 5,187 |
| Net operating income to assets | -0.0379% | 5,908 |
| Return on assets (ROA) | 0.0337% | 5,882 |
| Pretax return on assets | 0.0034% | 5,891 |
| Return on Equity (ROE) | 0.2832% | 5,886 |
| Retained earnings to average equity (ytd only) | 0.2832% | 5,440 |
| Net charge-offs to loans | 0.2898% | 4,570 |
| Credit loss provision to net charge-offs | 163.6798% | 2,115 |
| Earnings coverage of net charge-offs (x) | 1.0932% | 5,021 |
| Efficiency ratio | 94.6002% | 1,030 |
| Assets per employee ($millions) | 6.5924% | 906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4803% | 4,120 |
| Loan loss allowance to noncurrent loans | 19.0747% | 6,847 |
| Noncurrent assets plus other real estate owned to assets | 3.5176% | 1,966 |
| Noncurrent loans to loans | 7.7604% | 681 |
| Net loans and leases to total assets | 44.6564% | 6,661 |
| Net loans and leases to deposits | 55.8972% | 6,453 |
| Net loans and leases to core deposits | 56.8498% | 6,639 |
| Total domestic deposits to total assets | 79.8903% | 5,865 |
| Equity capital to assets | 11.5759% | 2,199 |
| Core capital (leverage) ratio | 11.3167% | 1,947 |
| Tier 1 risk-based capital ratio | 23.7737% | 951 |
| Total risk-based capital ratio | 25.0255% | 938 |
| Memoranda: |
| Average total assets | $667,102,800 | 997 |
| Average earning assets | $613,985,800 | 985 |
| Average equity | $79,458,400 | 830 |
| Average total loans | $288,863,000 | 1,549 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7911% | 7,407 |
| Cost of funding earning assets | 1.4620% | 3,210 |
| Net interest margin | 2.3291% | 7,471 |
| Noninterest income to average assets | 0.4782% | 4,343 |
| Noninterest expense to average assets | 2.4164% | 5,981 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.1516% | 5,636 |
| Return on assets (ROA) | 0.2226% | 5,604 |
| Pretax return on assets | 0.3001% | 5,507 |
| Return on Equity (ROE) | 1.8559% | 5,662 |
| Retained earnings to average equity (ytd only) | 1.8559% | 5,034 |
| Net charge-offs to loans | 0.2285% | 4,562 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 2.0883% | 4,158 |
| Efficiency ratio | 92.2087% | 1,113 |
| Assets per employee ($millions) | 6.4479% | 993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2429% | 5,276 |
| Loan loss allowance to noncurrent loans | 17.7465% | 6,983 |
| Noncurrent assets plus other real estate owned to assets | 2.9152% | 2,490 |
| Noncurrent loans to loans | 7.0033% | 806 |
| Net loans and leases to total assets | 41.1092% | 7,018 |
| Net loans and leases to deposits | 52.2265% | 6,883 |
| Net loans and leases to core deposits | 53.1768% | 7,001 |
| Total domestic deposits to total assets | 78.7132% | 6,087 |
| Equity capital to assets | 11.7924% | 2,288 |
| Core capital (leverage) ratio | 11.5812% | 1,893 |
| Tier 1 risk-based capital ratio | 24.3880% | 904 |
| Total risk-based capital ratio | 25.4859% | 898 |
| Memoranda: |
| Average total assets | $664,123,500 | 1,012 |
| Average earning assets | $610,854,500 | 1,000 |
| Average equity | $79,672,250 | 825 |
| Average total loans | $284,133,250 | 1,590 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9017% | 7,425 |
| Cost of funding earning assets | 1.4870% | 3,324 |
| Net interest margin | 2.4147% | 7,465 |
| Noninterest income to average assets | 0.5684% | 3,557 |
| Noninterest expense to average assets | 2.4088% | 6,046 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.2671% | 5,304 |
| Return on assets (ROA) | 0.3689% | 5,059 |
| Pretax return on assets | 0.5243% | 4,831 |
| Return on Equity (ROE) | 3.0568% | 5,190 |
| Retained earnings to average equity (ytd only) | 3.0568% | 4,155 |
| Net charge-offs to loans | 0.0310% | 5,907 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 28.3182% | 954 |
| Efficiency ratio | 86.4078% | 1,661 |
| Assets per employee ($millions) | 6.6932% | 882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4316% | 4,276 |
| Loan loss allowance to noncurrent loans | 19.2222% | 6,988 |
| Noncurrent assets plus other real estate owned to assets | 3.0927% | 2,294 |
| Noncurrent loans to loans | 7.4476% | 723 |
| Net loans and leases to total assets | 40.9316% | 7,105 |
| Net loans and leases to deposits | 52.1839% | 6,968 |
| Net loans and leases to core deposits | 53.2123% | 7,075 |
| Total domestic deposits to total assets | 78.4372% | 6,170 |
| Equity capital to assets | 11.9575% | 2,125 |
| Core capital (leverage) ratio | 11.8884% | 1,710 |
| Tier 1 risk-based capital ratio | 24.6262% | 880 |
| Total risk-based capital ratio | 25.8720% | 863 |
| Memoranda: |
| Average total assets | $657,673,000 | 1,030 |
| Average earning assets | $604,452,670 | 1,018 |
| Average equity | $79,363,670 | 823 |
| Average total loans | $284,008,670 | 1,608 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1295% | 7,348 |
| Cost of funding earning assets | 1.5154% | 3,454 |
| Net interest margin | 2.6141% | 7,379 |
| Noninterest income to average assets | 0.3056% | 5,693 |
| Noninterest expense to average assets | 2.3466% | 6,263 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2498% | 5,495 |
| Return on assets (ROA) | 0.3958% | 5,000 |
| Pretax return on assets | 0.5695% | 4,721 |
| Return on Equity (ROE) | 3.2646% | 5,218 |
| Retained earnings to average equity (ytd only) | 3.2646% | 4,186 |
| Net charge-offs to loans | 0.0056% | 5,535 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 147.0000% | 223 |
| Efficiency ratio | 86.6727% | 1,723 |
| Assets per employee ($millions) | 6.4269% | 1,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4264% | 4,287 |
| Loan loss allowance to noncurrent loans | 20.8238% | 6,966 |
| Noncurrent assets plus other real estate owned to assets | 2.9441% | 2,440 |
| Noncurrent loans to loans | 6.8498% | 882 |
| Net loans and leases to total assets | 42.3681% | 7,103 |
| Net loans and leases to deposits | 54.1983% | 6,904 |
| Net loans and leases to core deposits | 55.5319% | 7,015 |
| Total domestic deposits to total assets | 78.1724% | 6,280 |
| Equity capital to assets | 12.0928% | 1,993 |
| Core capital (leverage) ratio | 12.0018% | 1,649 |
| Tier 1 risk-based capital ratio | 24.4359% | 921 |
| Total risk-based capital ratio | 25.6878% | 899 |
| Memoranda: |
| Average total assets | $651,850,000 | 1,062 |
| Average earning assets | $598,910,000 | 1,050 |
| Average equity | $79,028,500 | 832 |
| Average total loans | $287,042,000 | 1,646 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6004% | 7,289 |
| Cost of funding earning assets | 1.9346% | 3,277 |
| Net interest margin | 2.6658% | 7,256 |
| Noninterest income to average assets | 0.3128% | 5,843 |
| Noninterest expense to average assets | 2.6525% | 5,587 |
| Loan and lease loss provision to assets | 0.2537% | 5,366 |
| Net operating income to assets | -0.1156% | 5,700 |
| Return on assets (ROA) | 0.1251% | 5,188 |
| Pretax return on assets | 0.1069% | 5,206 |
| Return on Equity (ROE) | 0.9993% | 5,232 |
| Retained earnings to average equity (ytd only) | 0.9993% | 4,333 |
| Net charge-offs to loans | 0.0974% | 6,159 |
| Credit loss provision to net charge-offs | 564.6643% | 532 |
| Earnings coverage of net charge-offs (x) | 2.6678% | 3,776 |
| Efficiency ratio | 95.6761% | 1,326 |
| Assets per employee ($millions) | 6.2323% | 1,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3762% | 4,361 |
| Loan loss allowance to noncurrent loans | 19.5253% | 7,085 |
| Noncurrent assets plus other real estate owned to assets | 3.1789% | 2,174 |
| Noncurrent loans to loans | 7.0484% | 791 |
| Net loans and leases to total assets | 44.4801% | 7,084 |
| Net loans and leases to deposits | 57.6184% | 6,810 |
| Net loans and leases to core deposits | 64.3964% | 7,067 |
| Total domestic deposits to total assets | 77.1977% | 6,416 |
| Equity capital to assets | 12.1550% | 1,930 |
| Core capital (leverage) ratio | 11.9144% | 1,700 |
| Tier 1 risk-based capital ratio | 23.9163% | 957 |
| Total risk-based capital ratio | 25.1618% | 935 |
| Memoranda: |
| Average total assets | $629,812,400 | 1,102 |
| Average earning assets | $581,102,600 | 1,087 |
| Average equity | $78,857,600 | 820 |
| Average total loans | $290,632,600 | 1,649 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6974% | 7,289 |
| Cost of funding earning assets | 2.0194% | 3,255 |
| Net interest margin | 2.6780% | 7,247 |
| Noninterest income to average assets | 0.3128% | 5,979 |
| Noninterest expense to average assets | 2.7083% | 5,283 |
| Loan and lease loss provision to assets | 0.2017% | 5,371 |
| Net operating income to assets | -0.0572% | 5,819 |
| Return on assets (ROA) | -0.0572% | 5,867 |
| Pretax return on assets | -0.1233% | 5,874 |
| Return on Equity (ROE) | -0.4530% | 5,848 |
| Retained earnings to average equity (ytd only) | -0.4530% | 5,330 |
| Net charge-offs to loans | 0.1070% | 5,600 |
| Credit loss provision to net charge-offs | 406.0086% | 979 |
| Earnings coverage of net charge-offs (x) | 1.5794% | 4,611 |
| Efficiency ratio | 97.1840% | 1,199 |
| Assets per employee ($millions) | 6.1363% | 1,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1749% | 5,266 |
| Loan loss allowance to noncurrent loans | 17.0055% | 7,240 |
| Noncurrent assets plus other real estate owned to assets | 3.0928% | 2,220 |
| Noncurrent loans to loans | 6.9088% | 785 |
| Net loans and leases to total assets | 44.2403% | 7,231 |
| Net loans and leases to deposits | 57.6629% | 6,986 |
| Net loans and leases to core deposits | 65.5917% | 7,177 |
| Total domestic deposits to total assets | 76.7222% | 6,415 |
| Equity capital to assets | 12.1361% | 2,167 |
| Core capital (leverage) ratio | 11.7648% | 1,923 |
| Tier 1 risk-based capital ratio | 23.9855% | 1,002 |
| Total risk-based capital ratio | 25.0650% | 996 |
| Memoranda: |
| Average total assets | $625,226,750 | 1,124 |
| Average earning assets | $577,587,750 | 1,104 |
| Average equity | $78,876,250 | 832 |
| Average total loans | $290,210,000 | 1,673 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7486% | 7,321 |
| Cost of funding earning assets | 2.0942% | 3,298 |
| Net interest margin | 2.6544% | 7,293 |
| Noninterest income to average assets | 0.3158% | 5,981 |
| Noninterest expense to average assets | 2.5343% | 6,003 |
| Loan and lease loss provision to assets | 0.2805% | 4,330 |
| Net operating income to assets | -0.0071% | 5,857 |
| Return on assets (ROA) | -0.0071% | 5,934 |
| Pretax return on assets | -0.0483% | 5,937 |
| Return on Equity (ROE) | -0.0558% | 5,938 |
| Retained earnings to average equity (ytd only) | -0.0558% | 5,230 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6081% | 1,671 |
| Assets per employee ($millions) | 5.8921% | 1,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1846% | 5,047 |
| Loan loss allowance to noncurrent loans | 14.1220% | 7,393 |
| Noncurrent assets plus other real estate owned to assets | 3.9395% | 1,521 |
| Noncurrent loans to loans | 8.3883% | 499 |
| Net loans and leases to total assets | 46.4080% | 7,167 |
| Net loans and leases to deposits | 60.7536% | 6,836 |
| Net loans and leases to core deposits | 69.3706% | 7,056 |
| Total domestic deposits to total assets | 76.3873% | 6,469 |
| Equity capital to assets | 12.2476% | 2,057 |
| Core capital (leverage) ratio | 12.1644% | 1,766 |
| Tier 1 risk-based capital ratio | 23.7359% | 1,068 |
| Total risk-based capital ratio | 24.8422% | 1,057 |
| Memoranda: |
| Average total assets | $616,819,670 | 1,156 |
| Average earning assets | $569,473,000 | 1,139 |
| Average equity | $78,855,330 | 840 |
| Average total loans | $289,886,330 | 1,706 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9025% | 7,171 |
| Cost of funding earning assets | 2.1475% | 3,422 |
| Net interest margin | 2.7550% | 7,083 |
| Noninterest income to average assets | 0.3152% | 5,926 |
| Noninterest expense to average assets | 2.4373% | 6,065 |
| Loan and lease loss provision to assets | 0.0589% | 6,220 |
| Net operating income to assets | 0.2615% | 5,430 |
| Return on assets (ROA) | 0.2615% | 5,600 |
| Pretax return on assets | 0.3595% | 5,514 |
| Return on Equity (ROE) | 2.0012% | 5,774 |
| Retained earnings to average equity (ytd only) | 2.0012% | 4,748 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3466% | 2,150 |
| Assets per employee ($millions) | 5.4209% | 1,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9554% | 6,461 |
| Loan loss allowance to noncurrent loans | 22.1492% | 7,057 |
| Noncurrent assets plus other real estate owned to assets | 2.0434% | 2,833 |
| Noncurrent loans to loans | 4.3133% | 1,357 |
| Net loans and leases to total assets | 46.9229% | 7,114 |
| Net loans and leases to deposits | 62.2232% | 6,721 |
| Net loans and leases to core deposits | 70.7743% | 6,975 |
| Total domestic deposits to total assets | 75.4106% | 6,623 |
| Equity capital to assets | 12.8379% | 1,813 |
| Core capital (leverage) ratio | 12.8719% | 1,529 |
| Tier 1 risk-based capital ratio | 24.7432% | 1,004 |
| Total risk-based capital ratio | 25.6410% | 1,012 |
| Memoranda: |
| Average total assets | $604,110,500 | 1,183 |
| Average earning assets | $557,103,500 | 1,172 |
| Average equity | $78,953,500 | 832 |
| Average total loans | $284,018,000 | 1,749 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3741% | 7,499 |
| Cost of funding earning assets | 2.2953% | 5,174 |
| Net interest margin | 3.0788% | 6,710 |
| Noninterest income to average assets | 0.3472% | 5,962 |
| Noninterest expense to average assets | 2.7658% | 4,985 |
| Loan and lease loss provision to assets | 0.0724% | 6,488 |
| Net operating income to assets | 0.2489% | 5,714 |
| Return on assets (ROA) | 0.2489% | 5,524 |
| Pretax return on assets | 0.3317% | 5,440 |
| Return on Equity (ROE) | 1.8174% | 5,665 |
| Retained earnings to average equity (ytd only) | 1.8174% | 4,102 |
| Net charge-offs to loans | 0.1551% | 4,645 |
| Credit loss provision to net charge-offs | 101.9900% | 5,221 |
| Earnings coverage of net charge-offs (x) | 5.6940% | 3,560 |
| Efficiency ratio | 87.2522% | 1,744 |
| Assets per employee ($millions) | 5.6213% | 1,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9838% | 6,182 |
| Loan loss allowance to noncurrent loans | 62.3532% | 4,881 |
| Noncurrent assets plus other real estate owned to assets | 0.7358% | 5,013 |
| Noncurrent loans to loans | 1.5778% | 3,414 |
| Net loans and leases to total assets | 46.1772% | 7,314 |
| Net loans and leases to deposits | 62.6135% | 6,902 |
| Net loans and leases to core deposits | 71.4811% | 7,108 |
| Total domestic deposits to total assets | 73.7496% | 6,695 |
| Equity capital to assets | 13.3117% | 1,666 |
| Core capital (leverage) ratio | 13.1319% | 1,508 |
| Tier 1 risk-based capital ratio | 25.6145% | 936 |
| Total risk-based capital ratio | 26.5189% | 942 |
| Memoranda: |
| Average total assets | $566,463,200 | 1,188 |
| Average earning assets | $519,323,200 | 1,190 |
| Average equity | $77,584,200 | 855 |
| Average total loans | $259,134,600 | 1,842 |
