Home > Executive National Bank > Performance and Condition Ratios
Executive National Bank, Performance and Condition Ratios
| 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 | 3.6395% | 3,931 |
| Cost of funding earning assets | 0.5569% | 2,886 |
| Net interest margin | 3.0826% | 3,777 |
| Noninterest income to average assets | 0.2679% | 3,865 |
| Noninterest expense to average assets | 2.5497% | 2,692 |
| Loan and lease loss provision to assets | 0.0263% | 4,010 |
| Net operating income to assets | 0.3807% | 4,304 |
| Return on assets (ROA) | 0.3807% | 4,364 |
| Pretax return on assets | 0.5096% | 4,260 |
| Return on Equity (ROE) | 3.6190% | 4,265 |
| Retained earnings to average equity (ytd only) | 1.0722% | 4,235 |
| Net charge-offs to loans | -0.0037% | 3,985 |
| Credit loss provision to net charge-offs | -990.0000% | 3,921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6344% | 703 |
| Assets per employee ($millions) | 7.3106% | 1,318 |
| Cash dividends to net income (ytd only)* | 70.3730% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4485% | 1,538 |
| Loan loss allowance to noncurrent loans | 684.3836% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.4354% | 2,436 |
| Noncurrent loans to loans | 0.2116% | 3,538 |
| Net loans and leases to total assets | 66.4233% | 2,460 |
| Net loans and leases to deposits | 78.8048% | 2,447 |
| Net loans and leases to core deposits | 82.9594% | 2,587 |
| Total domestic deposits to total assets | 84.2885% | 2,719 |
| Equity capital to assets | 10.3565% | 2,916 |
| Core capital (leverage) ratio | 10.2773% | 2,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2108% | 1,020 |
| Memoranda: | ||
| Average total assets | $497,659,000 | 1,535 |
| Average earning assets | $454,881,500 | 1,559 |
| Average equity | $52,352,000 | 1,610 |
| Average total loans | $360,482,000 | 1,471 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7737% | 3,937 |
| Cost of funding earning assets | 0.6359% | 2,780 |
| Net interest margin | 3.1379% | 3,818 |
| Noninterest income to average assets | 0.2722% | 3,843 |
| Noninterest expense to average assets | 2.6189% | 2,602 |
| Loan and lease loss provision to assets | 0.2507% | 1,675 |
| Net operating income to assets | 0.2195% | 4,547 |
| Return on assets (ROA) | 0.2195% | 4,588 |
| Pretax return on assets | 0.2937% | 4,545 |
| Return on Equity (ROE) | 2.0753% | 4,520 |
| Retained earnings to average equity (ytd only) | -1.7608% | 4,563 |
| Net charge-offs to loans | -0.0044% | 3,978 |
| Credit loss provision to net charge-offs | -7,725.0000% | 4,172 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7883% | 709 |
| Assets per employee ($millions) | 7.1556% | 1,360 |
| Cash dividends to net income (ytd only)* | 184.8429% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5435% | 1,139 |
| Loan loss allowance to noncurrent loans | 747.0190% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.4281% | 2,592 |
| Noncurrent loans to loans | 0.2066% | 3,643 |
| Net loans and leases to total assets | 67.3242% | 2,450 |
| Net loans and leases to deposits | 79.3460% | 2,507 |
| Net loans and leases to core deposits | 83.7671% | 2,628 |
| Total domestic deposits to total assets | 84.8488% | 2,451 |
| Equity capital to assets | 9.9775% | 3,227 |
| Core capital (leverage) ratio | 10.1446% | 2,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3633% | 1,168 |
| Memoranda: | ||
| Average total assets | $492,963,667 | 1,517 |
| Average earning assets | $454,190,667 | 1,528 |
| Average equity | $52,136,333 | 1,604 |
| Average total loans | $365,671,333 | 1,443 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0213% | 3,732 |
| Cost of funding earning assets | 0.7218% | 2,827 |
| Net interest margin | 3.2995% | 3,595 |
| Noninterest income to average assets | 0.3412% | 3,475 |
| Noninterest expense to average assets | 2.8319% | 2,333 |
| Loan and lease loss provision to assets | 0.0694% | 2,881 |
| Net operating income to assets | 0.3981% | 4,141 |
| Return on assets (ROA) | 0.3981% | 4,178 |
| Pretax return on assets | 0.5328% | 4,066 |
| Return on Equity (ROE) | 3.6513% | 4,051 |
| Retained earnings to average equity (ytd only) | -4.0195% | 4,441 |
| Net charge-offs to loans | -0.0043% | 3,816 |
| Credit loss provision to net charge-offs | -2,075.0000% | 3,721 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4647% | 943 |
| Assets per employee ($millions) | 6.9876% | 1,095 |
| Cash dividends to net income (ytd only)* | 210.0840% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3642% | 1,840 |
| Loan loss allowance to noncurrent loans | 667.6510% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.4586% | 2,635 |
| Noncurrent loans to loans | 0.2043% | 3,751 |
| Net loans and leases to total assets | 73.5273% | 1,690 |
| Net loans and leases to deposits | 87.5973% | 1,800 |
| Net loans and leases to core deposits | 93.9084% | 1,988 |
| Total domestic deposits to total assets | 83.9378% | 2,808 |
| Equity capital to assets | 10.6434% | 3,195 |
| Core capital (leverage) ratio | 10.7727% | 2,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4512% | 1,244 |
| Memoranda: | ||
| Average total assets | $478,267,500 | 1,513 |
| Average earning assets | $448,312,500 | 1,497 |
| Average equity | $52,145,500 | 1,594 |
| Average total loans | $369,914,500 | 1,386 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4447% | 3,129 |
| Cost of funding earning assets | 0.6741% | 3,290 |
| Net interest margin | 3.7706% | 2,607 |
| Noninterest income to average assets | 0.4902% | 2,795 |
| Noninterest expense to average assets | 3.1843% | 1,561 |
| Loan and lease loss provision to assets | 0.0567% | 2,898 |
| Net operating income to assets | 0.6374% | 4,052 |
| Return on assets (ROA) | 0.6374% | 4,119 |
| Pretax return on assets | 0.8269% | 3,921 |
| Return on Equity (ROE) | 5.7679% | 3,984 |
| Retained earnings to average equity (ytd only) | 5.7679% | 1,993 |
| Net charge-offs to loans | 0.0387% | 2,610 |
| Credit loss provision to net charge-offs | 177.2414% | 1,469 |
| Earnings coverage of net charge-offs (x) | 27.6000% | 1,658 |
| Efficiency ratio | 78.2783% | 1,119 |
| Assets per employee ($millions) | 6.2321% | 1,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3025% | 1,909 |
| Loan loss allowance to noncurrent loans | 788.2258% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.4531% | 2,587 |
| Noncurrent loans to loans | 0.1652% | 3,868 |
| Net loans and leases to total assets | 79.2298% | 893 |
| Net loans and leases to deposits | 93.9520% | 1,156 |
| Net loans and leases to core deposits | 100.7018% | 1,507 |
| Total domestic deposits to total assets | 84.3301% | 2,743 |
| Equity capital to assets | 11.1747% | 2,840 |
| Core capital (leverage) ratio | 10.9412% | 2,549 |
| Tier 1 risk-based capital ratio | 16.2858% | 2,299 |
| Total risk-based capital ratio | 17.5419% | 2,241 |
| Memoranda: | ||
| Average total assets | $452,913,200 | 1,545 |
| Average earning assets | $429,744,000 | 1,504 |
| Average equity | $50,053,000 | 1,599 |
| Average total loans | $374,711,600 | 1,342 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4778% | 3,135 |
| Cost of funding earning assets | 0.6442% | 3,478 |
| Net interest margin | 3.8336% | 2,492 |
| Noninterest income to average assets | 0.4997% | 2,734 |
| Noninterest expense to average assets | 3.1522% | 1,573 |
| Loan and lease loss provision to assets | 0.0959% | 1,995 |
| Net operating income to assets | 0.6659% | 4,121 |
| Return on assets (ROA) | 0.6659% | 4,179 |
| Pretax return on assets | 0.8915% | 3,897 |
| Return on Equity (ROE) | 6.0433% | 4,036 |
| Retained earnings to average equity (ytd only) | 6.0433% | 2,354 |
| Net charge-offs to loans | 0.0530% | 2,075 |
| Credit loss provision to net charge-offs | 216.7785% | 1,234 |
| Earnings coverage of net charge-offs (x) | 22.3291% | 1,874 |
| Efficiency ratio | 76.1488% | 1,313 |
| Assets per employee ($millions) | 5.9852% | 1,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2908% | 2,005 |
| Loan loss allowance to noncurrent loans | 262.2682% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.4042% | 2,889 |
| Noncurrent loans to loans | 0.4922% | 2,818 |
| Net loans and leases to total assets | 81.0688% | 701 |
| Net loans and leases to deposits | 96.4166% | 967 |
| Net loans and leases to core deposits | 103.0381% | 1,407 |
| Total domestic deposits to total assets | 84.0818% | 2,790 |
| Equity capital to assets | 11.0763% | 3,035 |
| Core capital (leverage) ratio | 11.1303% | 2,531 |
| Tier 1 risk-based capital ratio | 15.6919% | 2,564 |
| Total risk-based capital ratio | 16.9481% | 2,496 |
| Memoranda: | ||
| Average total assets | $449,290,250 | 1,563 |
| Average earning assets | $426,570,250 | 1,527 |
| Average equity | $49,508,500 | 1,618 |
| Average total loans | $374,586,750 | 1,351 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4931% | 3,037 |
| Cost of funding earning assets | 0.6138% | 3,582 |
| Net interest margin | 3.8793% | 2,306 |
| Noninterest income to average assets | 0.5196% | 2,570 |
| Noninterest expense to average assets | 2.8987% | 2,286 |
| Loan and lease loss provision to assets | 0.0771% | 2,269 |
| Net operating income to assets | 0.9165% | 3,219 |
| Return on assets (ROA) | 0.9165% | 3,279 |
| Pretax return on assets | 1.2268% | 2,823 |
| Return on Equity (ROE) | 8.3321% | 3,142 |
| Retained earnings to average equity (ytd only) | 8.3321% | 1,268 |
| Net charge-offs to loans | -0.0038% | 4,067 |
| Credit loss provision to net charge-offs | -2,442.8571% | 4,402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9740% | 2,383 |
| Assets per employee ($millions) | 5.5525% | 1,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2935% | 2,044 |
| Loan loss allowance to noncurrent loans | 241.3743% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.4507% | 2,713 |
| Noncurrent loans to loans | 0.5359% | 2,671 |
| Net loans and leases to total assets | 83.0100% | 475 |
| Net loans and leases to deposits | 98.4650% | 801 |
| Net loans and leases to core deposits | 104.1653% | 1,372 |
| Total domestic deposits to total assets | 84.3041% | 2,756 |
| Equity capital to assets | 11.2846% | 2,791 |
| Core capital (leverage) ratio | 11.2708% | 2,358 |
| Tier 1 risk-based capital ratio | 15.6250% | 2,576 |
| Total risk-based capital ratio | 16.8808% | 2,503 |
| Memoranda: | ||
| Average total assets | $443,439,000 | 1,581 |
| Average earning assets | $421,000,670 | 1,552 |
| Average equity | $48,775,000 | 1,636 |
| Average total loans | $371,644,330 | 1,363 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4397% | 3,085 |
| Cost of funding earning assets | 0.5778% | 3,688 |
| Net interest margin | 3.8620% | 2,305 |
| Noninterest income to average assets | 0.4580% | 2,807 |
| Noninterest expense to average assets | 2.8928% | 2,294 |
| Loan and lease loss provision to assets | 0.0018% | 3,394 |
| Net operating income to assets | 0.9280% | 3,128 |
| Return on assets (ROA) | 0.9280% | 3,165 |
| Pretax return on assets | 1.2425% | 2,656 |
| Return on Equity (ROE) | 8.5522% | 3,012 |
| Retained earnings to average equity (ytd only) | 8.5522% | 1,467 |
| Net charge-offs to loans | -0.0131% | 4,332 |
| Credit loss provision to net charge-offs | -16.6667% | 3,437 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9227% | 2,354 |
| Assets per employee ($millions) | 5.5792% | 1,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2946% | 2,112 |
| Loan loss allowance to noncurrent loans | 232.3629% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.4561% | 2,772 |
| Noncurrent loans to loans | 0.5571% | 2,656 |
| Net loans and leases to total assets | 80.7985% | 738 |
| Net loans and leases to deposits | 95.3565% | 1,029 |
| Net loans and leases to core deposits | 100.3529% | 1,592 |
| Total domestic deposits to total assets | 84.7331% | 2,778 |
| Equity capital to assets | 11.0866% | 2,761 |
| Core capital (leverage) ratio | 11.2624% | 2,329 |
| Tier 1 risk-based capital ratio | 15.9983% | 2,439 |
| Total risk-based capital ratio | 17.2534% | 2,384 |
| Memoranda: | ||
| Average total assets | $437,507,000 | 1,606 |
| Average earning assets | $416,780,500 | 1,565 |
| Average equity | $47,473,000 | 1,655 |
| Average total loans | $366,016,500 | 1,388 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2526% | 3,266 |
| Cost of funding earning assets | 0.3445% | 4,316 |
| Net interest margin | 3.9081% | 2,302 |
| Noninterest income to average assets | 0.4205% | 3,310 |
| Noninterest expense to average assets | 2.9282% | 2,249 |
| Loan and lease loss provision to assets | 0.1676% | 1,205 |
| Net operating income to assets | 0.7739% | 3,900 |
| Return on assets (ROA) | 0.7747% | 3,899 |
| Pretax return on assets | 1.0371% | 3,486 |
| Return on Equity (ROE) | 7.5046% | 3,659 |
| Retained earnings to average equity (ytd only) | 7.5046% | 1,456 |
| Net charge-offs to loans | 0.0456% | 2,522 |
| Credit loss provision to net charge-offs | 452.9032% | 756 |
| Earnings coverage of net charge-offs (x) | 32.5226% | 1,516 |
| Efficiency ratio | 70.8663% | 2,060 |
| Assets per employee ($millions) | 5.1598% | 2,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3187% | 1,956 |
| Loan loss allowance to noncurrent loans | 2,825.4438% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.0399% | 4,647 |
| Noncurrent loans to loans | 0.0467% | 4,537 |
| Net loans and leases to total assets | 84.4550% | 375 |
| Net loans and leases to deposits | 97.9024% | 911 |
| Net loans and leases to core deposits | 103.0604% | 1,504 |
| Total domestic deposits to total assets | 86.2645% | 2,105 |
| Equity capital to assets | 10.5989% | 3,082 |
| Core capital (leverage) ratio | 10.4307% | 3,109 |
| Tier 1 risk-based capital ratio | 14.6702% | 2,981 |
| Total risk-based capital ratio | 15.9256% | 2,906 |
| Memoranda: | ||
| Average total assets | $418,755,000 | 1,636 |
| Average earning assets | $397,688,400 | 1,599 |
| Average equity | $43,226,800 | 1,734 |
| Average total loans | $339,677,200 | 1,441 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1655% | 3,420 |
| Cost of funding earning assets | 0.3043% | 4,489 |
| Net interest margin | 3.8612% | 2,429 |
| Noninterest income to average assets | 0.4096% | 3,423 |
| Noninterest expense to average assets | 2.8705% | 2,396 |
| Loan and lease loss provision to assets | 0.1692% | 1,104 |
| Net operating income to assets | 0.7706% | 4,011 |
| Return on assets (ROA) | 0.7716% | 4,012 |
| Pretax return on assets | 1.0330% | 3,625 |
| Return on Equity (ROE) | 7.5255% | 3,738 |
| Retained earnings to average equity (ytd only) | 7.5255% | 1,874 |
| Net charge-offs to loans | 0.0639% | 1,919 |
| Credit loss provision to net charge-offs | 331.2500% | 954 |
| Earnings coverage of net charge-offs (x) | 23.5123% | 1,840 |
| Efficiency ratio | 70.5034% | 2,118 |
| Assets per employee ($millions) | 4.9946% | 2,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3143% | 2,036 |
| Loan loss allowance to noncurrent loans | 2,526.3736% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.0429% | 4,757 |
| Noncurrent loans to loans | 0.0520% | 4,661 |
| Net loans and leases to total assets | 81.3205% | 823 |
| Net loans and leases to deposits | 91.5919% | 1,673 |
| Net loans and leases to core deposits | 97.8308% | 1,947 |
| Total domestic deposits to total assets | 88.7856% | 918 |
| Equity capital to assets | 10.3431% | 3,292 |
| Core capital (leverage) ratio | 10.3261% | 3,261 |
| Tier 1 risk-based capital ratio | 14.7751% | 2,983 |
| Total risk-based capital ratio | 16.0303% | 2,903 |
| Memoranda: | ||
| Average total assets | $417,668,500 | 1,647 |
| Average earning assets | $396,105,250 | 1,610 |
| Average equity | $42,822,500 | 1,750 |
| Average total loans | $334,070,250 | 1,465 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0610% | 3,578 |
| Cost of funding earning assets | 0.2757% | 4,593 |
| Net interest margin | 3.7852% | 2,618 |
| Noninterest income to average assets | 0.4112% | 3,418 |
| Noninterest expense to average assets | 2.8668% | 2,444 |
| Loan and lease loss provision to assets | 0.2070% | 812 |
| Net operating income to assets | 0.6919% | 4,216 |
| Return on assets (ROA) | 0.6919% | 4,221 |
| Pretax return on assets | 0.9264% | 3,884 |
| Return on Equity (ROE) | 6.7688% | 3,967 |
| Retained earnings to average equity (ytd only) | 6.7688% | 2,177 |
| Net charge-offs to loans | 0.1040% | 1,315 |
| Credit loss provision to net charge-offs | 251.4620% | 1,133 |
| Earnings coverage of net charge-offs (x) | 13.7661% | 2,134 |
| Efficiency ratio | 71.6659% | 2,055 |
| Assets per employee ($millions) | 5.2283% | 2,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3187% | 2,082 |
| Loan loss allowance to noncurrent loans | 1,901.2712% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.0550% | 4,748 |
| Noncurrent loans to loans | 0.0694% | 4,609 |
| Net loans and leases to total assets | 78.3209% | 1,261 |
| Net loans and leases to deposits | 87.7632% | 2,135 |
| Net loans and leases to core deposits | 93.5661% | 2,259 |
| Total domestic deposits to total assets | 89.2412% | 834 |
| Equity capital to assets | 10.0290% | 3,592 |
| Core capital (leverage) ratio | 10.1307% | 3,446 |
| Tier 1 risk-based capital ratio | 14.8292% | 2,959 |
| Total risk-based capital ratio | 16.0843% | 2,879 |
| Memoranda: | ||
| Average total assets | $415,376,330 | 1,659 |
| Average earning assets | $393,846,670 | 1,628 |
| Average equity | $42,459,670 | 1,768 |
| Average total loans | $328,813,670 | 1,487 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9883% | 3,646 |
| Cost of funding earning assets | 0.2454% | 4,743 |
| Net interest margin | 3.7429% | 2,639 |
| Noninterest income to average assets | 0.4394% | 3,186 |
| Noninterest expense to average assets | 2.9175% | 2,299 |
| Loan and lease loss provision to assets | -0.0480% | 5,460 |
| Net operating income to assets | 0.8270% | 3,601 |
| Return on assets (ROA) | 0.8270% | 3,612 |
| Pretax return on assets | 1.1079% | 3,145 |
| Return on Equity (ROE) | 8.0111% | 3,363 |
| Retained earnings to average equity (ytd only) | 8.0111% | 1,830 |
| Net charge-offs to loans | -0.0186% | 4,515 |
| Credit loss provision to net charge-offs | 326.6667% | 775 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3514% | 1,989 |
| Assets per employee ($millions) | 4.9261% | 2,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3015% | 2,237 |
| Loan loss allowance to noncurrent loans | 342.6471% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.2958% | 3,669 |
| Noncurrent loans to loans | 0.3798% | 3,421 |
| Net loans and leases to total assets | 76.8643% | 1,405 |
| Net loans and leases to deposits | 86.3615% | 2,113 |
| Net loans and leases to core deposits | 92.1419% | 2,288 |
| Total domestic deposits to total assets | 89.0030% | 1,086 |
| Equity capital to assets | 10.2706% | 3,312 |
| Core capital (leverage) ratio | 10.4998% | 2,943 |
| Tier 1 risk-based capital ratio | 15.2848% | 2,745 |
| Total risk-based capital ratio | 16.5395% | 2,680 |
| Memoranda: | ||
| Average total assets | $408,706,000 | 1,695 |
| Average earning assets | $386,328,000 | 1,669 |
| Average equity | $42,191,500 | 1,789 |
| Average total loans | $323,089,500 | 1,513 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9491% | 3,573 |
| Cost of funding earning assets | 0.2643% | 4,445 |
| Net interest margin | 3.6848% | 2,858 |
| Noninterest income to average assets | 0.5284% | 2,829 |
| Noninterest expense to average assets | 3.1416% | 1,743 |
| Loan and lease loss provision to assets | -0.0972% | 5,474 |
| Net operating income to assets | 0.5400% | 4,259 |
| Return on assets (ROA) | 0.5479% | 4,261 |
| Pretax return on assets | 0.9941% | 3,596 |
| Return on Equity (ROE) | 5.3244% | 4,032 |
| Retained earnings to average equity (ytd only) | 4.9277% | 2,170 |
| Net charge-offs to loans | -0.1644% | 5,482 |
| Credit loss provision to net charge-offs | 75.3398% | 3,008 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0272% | 1,347 |
| Assets per employee ($millions) | 4.8050% | 2,730 |
| Cash dividends to net income (ytd only)* | 7.4497% | 3,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3052% | 2,189 |
| Loan loss allowance to noncurrent loans | 344.2997% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.3042% | 3,667 |
| Noncurrent loans to loans | 0.3791% | 3,400 |
| Net loans and leases to total assets | 79.2079% | 1,076 |
| Net loans and leases to deposits | 88.8961% | 1,909 |
| Net loans and leases to core deposits | 94.4949% | 2,151 |
| Total domestic deposits to total assets | 89.1016% | 961 |
| Equity capital to assets | 10.3771% | 3,300 |
| Core capital (leverage) ratio | 10.1396% | 3,258 |
| Tier 1 risk-based capital ratio | 14.9257% | 2,879 |
| Total risk-based capital ratio | 16.1803% | 2,812 |
| Memoranda: | ||
| Average total assets | $399,352,000 | 1,705 |
| Average earning assets | $379,102,000 | 1,675 |
| Average equity | $41,094,000 | 1,814 |
| Average total loans | $313,271,600 | 1,517 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9347% | 3,574 |
| Cost of funding earning assets | 0.2630% | 4,453 |
| Net interest margin | 3.6717% | 2,857 |
| Noninterest income to average assets | 0.5346% | 2,807 |
| Noninterest expense to average assets | 3.1106% | 1,770 |
| Loan and lease loss provision to assets | -0.1165% | 5,606 |
| Net operating income to assets | 0.6470% | 4,202 |
| Return on assets (ROA) | 0.6575% | 4,219 |
| Pretax return on assets | 1.0434% | 3,514 |
| Return on Equity (ROE) | 6.4030% | 3,948 |
| Retained earnings to average equity (ytd only) | 5.8716% | 2,323 |
| Net charge-offs to loans | -0.1919% | 5,531 |
| Credit loss provision to net charge-offs | 77.8523% | 2,614 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3560% | 1,413 |
| Assets per employee ($millions) | 4.8472% | 2,632 |
| Cash dividends to net income (ytd only)* | 8.2995% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3192% | 2,269 |
| Loan loss allowance to noncurrent loans | 1,641.0156% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.0621% | 4,922 |
| Noncurrent loans to loans | 0.0804% | 4,750 |
| Net loans and leases to total assets | 76.2699% | 1,543 |
| Net loans and leases to deposits | 86.6146% | 2,225 |
| Net loans and leases to core deposits | 91.6460% | 2,476 |
| Total domestic deposits to total assets | 88.0565% | 1,334 |
| Equity capital to assets | 10.1530% | 3,749 |
| Core capital (leverage) ratio | 10.1295% | 3,406 |
| Tier 1 risk-based capital ratio | 15.2731% | 2,806 |
| Total risk-based capital ratio | 16.5282% | 2,739 |
| Memoranda: | ||
| Average total assets | $398,285,250 | 1,719 |
| Average earning assets | $378,197,250 | 1,688 |
| Average equity | $40,896,500 | 1,835 |
| Average total loans | $310,608,000 | 1,531 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8832% | 3,614 |
| Cost of funding earning assets | 0.2497% | 4,542 |
| Net interest margin | 3.6335% | 2,897 |
| Noninterest income to average assets | 0.5598% | 2,655 |
| Noninterest expense to average assets | 3.0378% | 2,020 |
| Loan and lease loss provision to assets | 0.0137% | 3,678 |
| Net operating income to assets | 0.6049% | 4,282 |
| Return on assets (ROA) | 0.6091% | 4,307 |
| Pretax return on assets | 0.9667% | 3,697 |
| Return on Equity (ROE) | 5.9086% | 4,086 |
| Retained earnings to average equity (ytd only) | 5.9086% | 2,172 |
| Net charge-offs to loans | -0.0201% | 4,782 |
| Credit loss provision to net charge-offs | -87.0968% | 4,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7250% | 1,766 |
| Assets per employee ($millions) | 4.8291% | 2,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3170% | 2,328 |
| Loan loss allowance to noncurrent loans | 13,863.3333% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0074% | 5,274 |
| Noncurrent loans to loans | 0.0095% | 5,145 |
| Net loans and leases to total assets | 76.8228% | 1,410 |
| Net loans and leases to deposits | 87.2204% | 2,076 |
| Net loans and leases to core deposits | 92.4443% | 2,297 |
| Total domestic deposits to total assets | 88.0790% | 1,416 |
| Equity capital to assets | 10.1954% | 3,673 |
| Core capital (leverage) ratio | 10.2576% | 3,191 |
| Tier 1 risk-based capital ratio | 15.2089% | 2,839 |
| Total risk-based capital ratio | 16.4646% | 2,768 |
| Memoranda: | ||
| Average total assets | $393,708,330 | 1,745 |
| Average earning assets | $374,024,330 | 1,709 |
| Average equity | $40,584,670 | 1,847 |
| Average total loans | $307,995,670 | 1,538 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8732% | 3,492 |
| Cost of funding earning assets | 0.2360% | 4,672 |
| Net interest margin | 3.6371% | 2,746 |
| Noninterest income to average assets | 0.4910% | 3,037 |
| Noninterest expense to average assets | 3.0235% | 2,097 |
| Loan and lease loss provision to assets | 0.0309% | 3,163 |
| Net operating income to assets | 0.5701% | 4,280 |
| Return on assets (ROA) | 0.5787% | 4,282 |
| Pretax return on assets | 0.9150% | 3,710 |
| Return on Equity (ROE) | 5.5797% | 4,103 |
| Retained earnings to average equity (ytd only) | 5.5797% | 2,551 |
| Net charge-offs to loans | -0.0447% | 5,131 |
| Credit loss provision to net charge-offs | -88.2353% | 3,928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4276% | 1,849 |
| Assets per employee ($millions) | 4.7902% | 2,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3627% | 2,246 |
| Loan loss allowance to noncurrent loans | 3,179.3893% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.0334% | 5,177 |
| Noncurrent loans to loans | 0.0429% | 5,025 |
| Net loans and leases to total assets | 76.7535% | 1,296 |
| Net loans and leases to deposits | 87.4258% | 1,870 |
| Net loans and leases to core deposits | 92.6902% | 2,101 |
| Total domestic deposits to total assets | 87.7927% | 1,830 |
| Equity capital to assets | 10.3213% | 3,383 |
| Core capital (leverage) ratio | 10.3935% | 3,014 |
| Tier 1 risk-based capital ratio | 15.4071% | 2,792 |
| Total risk-based capital ratio | 16.6633% | 2,723 |
| Memoranda: | ||
| Average total assets | $387,759,500 | 1,785 |
| Average earning assets | $369,414,500 | 1,736 |
| Average equity | $40,217,500 | 1,862 |
| Average total loans | $304,100,500 | 1,558 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8685% | 3,683 |
| Cost of funding earning assets | 0.2259% | 4,774 |
| Net interest margin | 3.6426% | 2,918 |
| Noninterest income to average assets | 0.6719% | 2,308 |
| Noninterest expense to average assets | 3.2180% | 1,746 |
| Loan and lease loss provision to assets | 0.0715% | 2,925 |
| Net operating income to assets | 0.5176% | 4,559 |
| Return on assets (ROA) | 0.5269% | 4,614 |
| Pretax return on assets | 0.8527% | 4,000 |
| Return on Equity (ROE) | 5.2889% | 4,281 |
| Retained earnings to average equity (ytd only) | 5.2889% | 2,139 |
| Net charge-offs to loans | -0.0517% | 5,400 |
| Credit loss provision to net charge-offs | -177.8523% | 4,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9609% | 1,697 |
| Assets per employee ($millions) | 4.7840% | 2,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3555% | 2,278 |
| Loan loss allowance to noncurrent loans | 468.6857% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.2286% | 4,392 |
| Noncurrent loans to loans | 0.2892% | 4,115 |
| Net loans and leases to total assets | 77.9808% | 1,199 |
| Net loans and leases to deposits | 88.8185% | 1,827 |
| Net loans and leases to core deposits | 93.9843% | 2,111 |
| Total domestic deposits to total assets | 87.7979% | 1,745 |
| Equity capital to assets | 10.4235% | 3,243 |
| Core capital (leverage) ratio | 10.0987% | 3,372 |
| Tier 1 risk-based capital ratio | 15.2730% | 2,850 |
| Total risk-based capital ratio | 16.5293% | 2,779 |
| Memoranda: | ||
| Average total assets | $370,451,200 | 1,807 |
| Average earning assets | $351,456,200 | 1,764 |
| Average equity | $36,907,600 | 1,979 |
| Average total loans | $288,108,800 | 1,570 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8895% | 3,619 |
| Cost of funding earning assets | 0.2252% | 4,832 |
| Net interest margin | 3.6643% | 2,845 |
| Noninterest income to average assets | 0.7309% | 2,042 |
| Noninterest expense to average assets | 3.3454% | 1,464 |
| Loan and lease loss provision to assets | 0.0494% | 3,259 |
| Net operating income to assets | 0.5086% | 4,668 |
| Return on assets (ROA) | 0.5211% | 4,718 |
| Pretax return on assets | 0.8282% | 4,220 |
| Return on Equity (ROE) | 5.2947% | 4,388 |
| Retained earnings to average equity (ytd only) | 5.2947% | 2,634 |
| Net charge-offs to loans | -0.0272% | 5,121 |
| Credit loss provision to net charge-offs | -234.4828% | 4,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5890% | 1,484 |
| Assets per employee ($millions) | 4.8878% | 2,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3076% | 2,643 |
| Loan loss allowance to noncurrent loans | 140.0577% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 0.7086% | 2,788 |
| Noncurrent loans to loans | 0.9336% | 2,381 |
| Net loans and leases to total assets | 74.9115% | 1,719 |
| Net loans and leases to deposits | 85.9143% | 2,272 |
| Net loans and leases to core deposits | 90.5859% | 2,519 |
| Total domestic deposits to total assets | 87.1932% | 1,806 |
| Equity capital to assets | 10.2328% | 3,879 |
| Core capital (leverage) ratio | 10.1366% | 3,396 |
| Tier 1 risk-based capital ratio | 15.2966% | 2,918 |
| Total risk-based capital ratio | 16.5530% | 2,845 |
| Memoranda: | ||
| Average total assets | $367,384,000 | 1,824 |
| Average earning assets | $348,146,250 | 1,788 |
| Average equity | $36,161,250 | 2,026 |
| Average total loans | $284,498,750 | 1,595 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8877% | 3,638 |
| Cost of funding earning assets | 0.2225% | 4,915 |
| Net interest margin | 3.6652% | 2,839 |
| Noninterest income to average assets | 0.7260% | 2,026 |
| Noninterest expense to average assets | 3.4247% | 1,329 |
| Loan and lease loss provision to assets | 0.0300% | 3,529 |
| Net operating income to assets | 0.4687% | 4,807 |
| Return on assets (ROA) | 0.4879% | 4,829 |
| Pretax return on assets | 0.7744% | 4,375 |
| Return on Equity (ROE) | 5.0291% | 4,504 |
| Retained earnings to average equity (ytd only) | 5.0291% | 2,722 |
| Net charge-offs to loans | -0.0649% | 5,463 |
| Credit loss provision to net charge-offs | -59.3407% | 4,544 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5580% | 1,323 |
| Assets per employee ($millions) | 4.6319% | 2,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3190% | 2,681 |
| Loan loss allowance to noncurrent loans | 346.1608% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.2951% | 4,321 |
| Noncurrent loans to loans | 0.3810% | 4,000 |
| Net loans and leases to total assets | 76.4153% | 1,423 |
| Net loans and leases to deposits | 88.4218% | 1,930 |
| Net loans and leases to core deposits | 93.2606% | 2,235 |
| Total domestic deposits to total assets | 86.4213% | 2,208 |
| Equity capital to assets | 9.4524% | 4,815 |
| Core capital (leverage) ratio | 9.3344% | 4,415 |
| Tier 1 risk-based capital ratio | 13.8802% | 3,675 |
| Total risk-based capital ratio | 15.1370% | 3,587 |
| Memoranda: | ||
| Average total assets | $359,503,000 | 1,864 |
| Average earning assets | $340,660,330 | 1,827 |
| Average equity | $34,877,330 | 2,094 |
| Average total loans | $280,396,670 | 1,618 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8958% | 3,604 |
| Cost of funding earning assets | 0.2174% | 5,031 |
| Net interest margin | 3.6784% | 2,761 |
| Noninterest income to average assets | 0.6222% | 2,401 |
| Noninterest expense to average assets | 3.4897% | 1,200 |
| Loan and lease loss provision to assets | -0.0068% | 5,879 |
| Net operating income to assets | 0.4038% | 4,986 |
| Return on assets (ROA) | 0.4038% | 5,062 |
| Pretax return on assets | 0.6415% | 4,698 |
| Return on Equity (ROE) | 4.1059% | 4,855 |
| Retained earnings to average equity (ytd only) | 4.1059% | 3,437 |
| Net charge-offs to loans | -0.0450% | 5,275 |
| Credit loss provision to net charge-offs | 19.3548% | 2,305 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6111% | 1,102 |
| Assets per employee ($millions) | 4.5782% | 2,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3229% | 2,782 |
| Loan loss allowance to noncurrent loans | 388.6911% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.2607% | 4,514 |
| Noncurrent loans to loans | 0.3403% | 4,217 |
| Net loans and leases to total assets | 75.5986% | 1,452 |
| Net loans and leases to deposits | 89.1329% | 1,686 |
| Net loans and leases to core deposits | 93.6391% | 2,032 |
| Total domestic deposits to total assets | 84.8156% | 3,198 |
| Equity capital to assets | 9.5113% | 4,660 |
| Core capital (leverage) ratio | 9.6309% | 3,997 |
| Tier 1 risk-based capital ratio | 14.2562% | 3,533 |
| Total risk-based capital ratio | 15.5126% | 3,447 |
| Memoranda: | ||
| Average total assets | $351,662,500 | 1,903 |
| Average earning assets | $334,823,500 | 1,856 |
| Average equity | $34,584,000 | 2,112 |
| Average total loans | $275,330,000 | 1,636 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0773% | 3,016 |
| Cost of funding earning assets | 0.1992% | 5,294 |
| Net interest margin | 3.8781% | 2,103 |
| Noninterest income to average assets | 0.6471% | 2,473 |
| Noninterest expense to average assets | 3.5003% | 1,287 |
| Loan and lease loss provision to assets | -0.0801% | 5,813 |
| Net operating income to assets | 0.5643% | 4,444 |
| Return on assets (ROA) | 0.5942% | 4,401 |
| Pretax return on assets | 0.9647% | 3,596 |
| Return on Equity (ROE) | 5.9381% | 4,059 |
| Retained earnings to average equity (ytd only) | 5.9381% | 1,827 |
| Net charge-offs to loans | -0.1268% | 5,844 |
| Credit loss provision to net charge-offs | 81.7073% | 2,916 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6852% | 1,585 |
| Assets per employee ($millions) | 4.4351% | 3,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3652% | 2,584 |
| Loan loss allowance to noncurrent loans | 375.8410% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.2910% | 4,425 |
| Noncurrent loans to loans | 0.3632% | 4,148 |
| Net loans and leases to total assets | 79.0273% | 984 |
| Net loans and leases to deposits | 92.1588% | 1,384 |
| Net loans and leases to core deposits | 96.7598% | 1,769 |
| Total domestic deposits to total assets | 85.7512% | 2,752 |
| Equity capital to assets | 10.1855% | 3,763 |
| Core capital (leverage) ratio | 9.7359% | 3,856 |
| Tier 1 risk-based capital ratio | 14.9270% | 3,210 |
| Total risk-based capital ratio | 16.1836% | 3,139 |
| Memoranda: | ||
| Average total assets | $334,397,200 | 1,967 |
| Average earning assets | $318,276,200 | 1,901 |
| Average equity | $33,461,600 | 2,122 |
| Average total loans | $258,658,200 | 1,678 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0854% | 3,002 |
| Cost of funding earning assets | 0.1988% | 5,387 |
| Net interest margin | 3.8866% | 2,082 |
| Noninterest income to average assets | 0.6728% | 2,370 |
| Noninterest expense to average assets | 3.3967% | 1,485 |
| Loan and lease loss provision to assets | 0.0260% | 3,751 |
| Net operating income to assets | 0.5768% | 4,496 |
| Return on assets (ROA) | 0.6009% | 4,488 |
| Pretax return on assets | 0.9824% | 3,681 |
| Return on Equity (ROE) | 6.0320% | 4,135 |
| Retained earnings to average equity (ytd only) | 6.0320% | 2,226 |
| Net charge-offs to loans | -0.1845% | 5,974 |
| Credit loss provision to net charge-offs | -18.3616% | 4,880 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7717% | 1,973 |
| Assets per employee ($millions) | 4.2946% | 3,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5005% | 2,161 |
| Loan loss allowance to noncurrent loans | 595.8763% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.2001% | 4,953 |
| Noncurrent loans to loans | 0.2518% | 4,670 |
| Net loans and leases to total assets | 78.2863% | 1,055 |
| Net loans and leases to deposits | 90.6971% | 1,566 |
| Net loans and leases to core deposits | 94.7009% | 2,011 |
| Total domestic deposits to total assets | 86.3162% | 2,374 |
| Equity capital to assets | 10.0377% | 4,110 |
| Core capital (leverage) ratio | 9.7483% | 3,968 |
| Tier 1 risk-based capital ratio | 14.5180% | 3,562 |
| Total risk-based capital ratio | 15.7748% | 3,475 |
| Memoranda: | ||
| Average total assets | $333,729,750 | 1,981 |
| Average earning assets | $317,255,000 | 1,924 |
| Average equity | $33,244,000 | 2,148 |
| Average total loans | $255,807,250 | 1,702 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9988% | 3,293 |
| Cost of funding earning assets | 0.1998% | 5,435 |
| Net interest margin | 3.7990% | 2,312 |
| Noninterest income to average assets | 0.7147% | 2,152 |
| Noninterest expense to average assets | 3.4036% | 1,466 |
| Loan and lease loss provision to assets | 0.0482% | 3,156 |
| Net operating income to assets | 0.5296% | 4,651 |
| Return on assets (ROA) | 0.5659% | 4,596 |
| Pretax return on assets | 0.9286% | 3,852 |
| Return on Equity (ROE) | 5.6955% | 4,279 |
| Retained earnings to average equity (ytd only) | 5.6955% | 2,411 |
| Net charge-offs to loans | -0.1704% | 5,976 |
| Credit loss provision to net charge-offs | -37.3832% | 4,784 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7178% | 1,964 |
| Assets per employee ($millions) | 4.3355% | 3,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4828% | 2,369 |
| Loan loss allowance to noncurrent loans | 463.4752% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.2502% | 4,870 |
| Noncurrent loans to loans | 0.3199% | 4,550 |
| Net loans and leases to total assets | 77.0359% | 1,212 |
| Net loans and leases to deposits | 88.8250% | 1,741 |
| Net loans and leases to core deposits | 92.4727% | 2,109 |
| Total domestic deposits to total assets | 86.7278% | 2,309 |
| Equity capital to assets | 9.8613% | 4,200 |
| Core capital (leverage) ratio | 9.6784% | 4,033 |
| Tier 1 risk-based capital ratio | 14.5096% | 3,633 |
| Total risk-based capital ratio | 15.7657% | 3,555 |
| Memoranda: | ||
| Average total assets | $331,883,000 | 2,001 |
| Average earning assets | $315,292,670 | 1,951 |
| Average equity | $32,973,670 | 2,170 |
| Average total loans | $251,193,670 | 1,733 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9514% | 3,411 |
| Cost of funding earning assets | 0.1996% | 5,514 |
| Net interest margin | 3.7518% | 2,428 |
| Noninterest income to average assets | 0.5901% | 2,699 |
| Noninterest expense to average assets | 3.4520% | 1,403 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4281% | 4,956 |
| Return on assets (ROA) | 0.5013% | 4,796 |
| Pretax return on assets | 0.8213% | 4,165 |
| Return on Equity (ROE) | 5.0265% | 4,514 |
| Retained earnings to average equity (ytd only) | 5.0265% | 3,041 |
| Net charge-offs to loans | -0.3206% | 6,163 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0018% | 1,494 |
| Assets per employee ($millions) | 4.3422% | 3,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5405% | 2,278 |
| Loan loss allowance to noncurrent loans | 296.3566% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.3809% | 4,494 |
| Noncurrent loans to loans | 0.5198% | 4,017 |
| Net loans and leases to total assets | 72.1418% | 1,787 |
| Net loans and leases to deposits | 83.2590% | 2,170 |
| Net loans and leases to core deposits | 86.6578% | 2,474 |
| Total domestic deposits to total assets | 86.6474% | 2,574 |
| Equity capital to assets | 9.7670% | 4,416 |
| Core capital (leverage) ratio | 9.9473% | 3,668 |
| Tier 1 risk-based capital ratio | 15.1629% | 3,341 |
| Total risk-based capital ratio | 16.4196% | 3,263 |
| Memoranda: | ||
| Average total assets | $328,738,500 | 2,030 |
| Average earning assets | $312,703,000 | 1,975 |
| Average equity | $32,786,500 | 2,194 |
| Average total loans | $244,573,000 | 1,779 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0305% | 3,598 |
| Cost of funding earning assets | 0.2665% | 5,142 |
| Net interest margin | 3.7641% | 2,756 |
| Noninterest income to average assets | 0.7065% | 2,272 |
| Noninterest expense to average assets | 3.3804% | 1,741 |
| Loan and lease loss provision to assets | -0.2566% | 6,340 |
| Net operating income to assets | 0.7179% | 3,804 |
| Return on assets (ROA) | 0.6557% | 4,212 |
| Pretax return on assets | 1.0259% | 3,399 |
| Return on Equity (ROE) | 6.7000% | 3,789 |
| Retained earnings to average equity (ytd only) | 6.7000% | 1,548 |
| Net charge-offs to loans | -0.2929% | 6,327 |
| Credit loss provision to net charge-offs | 123.1689% | 1,944 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5968% | 1,991 |
| Assets per employee ($millions) | 3.9355% | 4,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5051% | 2,448 |
| Loan loss allowance to noncurrent loans | 207.3756% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.5487% | 3,970 |
| Noncurrent loans to loans | 0.7258% | 3,509 |
| Net loans and leases to total assets | 74.4597% | 1,503 |
| Net loans and leases to deposits | 87.8759% | 1,747 |
| Net loans and leases to core deposits | 91.7894% | 2,113 |
| Total domestic deposits to total assets | 84.7328% | 3,405 |
| Equity capital to assets | 10.1893% | 3,867 |
| Core capital (leverage) ratio | 9.9985% | 3,577 |
| Tier 1 risk-based capital ratio | 15.3688% | 3,283 |
| Total risk-based capital ratio | 16.6248% | 3,232 |
| Memoranda: | ||
| Average total assets | $321,175,400 | 2,020 |
| Average earning assets | $302,094,600 | 1,987 |
| Average equity | $31,432,800 | 2,198 |
| Average total loans | $228,429,600 | 1,833 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0303% | 3,641 |
| Cost of funding earning assets | 0.2782% | 5,117 |
| Net interest margin | 3.7521% | 2,805 |
| Noninterest income to average assets | 0.6493% | 2,577 |
| Noninterest expense to average assets | 3.3729% | 1,734 |
| Loan and lease loss provision to assets | -0.3999% | 6,506 |
| Net operating income to assets | 0.7643% | 3,601 |
| Return on assets (ROA) | 0.7802% | 3,619 |
| Pretax return on assets | 1.2219% | 2,692 |
| Return on Equity (ROE) | 8.0543% | 3,176 |
| Retained earnings to average equity (ytd only) | 8.0543% | 1,336 |
| Net charge-offs to loans | -0.3604% | 6,419 |
| Credit loss provision to net charge-offs | 158.4565% | 1,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8824% | 1,778 |
| Assets per employee ($millions) | 4.0169% | 3,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4999% | 2,708 |
| Loan loss allowance to noncurrent loans | 233.5378% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.7360% | 3,605 |
| Noncurrent loans to loans | 0.6423% | 4,011 |
| Net loans and leases to total assets | 70.0123% | 2,187 |
| Net loans and leases to deposits | 82.8154% | 2,318 |
| Net loans and leases to core deposits | 85.3845% | 2,735 |
| Total domestic deposits to total assets | 84.5401% | 3,527 |
| Equity capital to assets | 10.0175% | 4,144 |
| Core capital (leverage) ratio | 9.4474% | 4,439 |
| Tier 1 risk-based capital ratio | 15.9091% | 3,099 |
| Total risk-based capital ratio | 17.1653% | 3,043 |
| Memoranda: | ||
| Average total assets | $321,775,500 | 2,031 |
| Average earning assets | $301,939,500 | 2,002 |
| Average equity | $31,170,750 | 2,218 |
| Average total loans | $225,290,500 | 1,868 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9986% | 3,734 |
| Cost of funding earning assets | 0.2792% | 5,199 |
| Net interest margin | 3.7194% | 2,884 |
| Noninterest income to average assets | 0.6573% | 2,498 |
| Noninterest expense to average assets | 3.3300% | 1,840 |
| Loan and lease loss provision to assets | -0.1025% | 6,380 |
| Net operating income to assets | 0.5825% | 4,440 |
| Return on assets (ROA) | 0.6064% | 4,425 |
| Pretax return on assets | 0.9512% | 3,675 |
| Return on Equity (ROE) | 6.3314% | 3,974 |
| Retained earnings to average equity (ytd only) | 6.3314% | 2,132 |
| Net charge-offs to loans | -0.1356% | 6,234 |
| Credit loss provision to net charge-offs | 108.5526% | 1,848 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4080% | 1,960 |
| Assets per employee ($millions) | 4.3062% | 3,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6678% | 2,241 |
| Loan loss allowance to noncurrent loans | 222.6226% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.7616% | 3,684 |
| Noncurrent loans to loans | 0.7492% | 3,832 |
| Net loans and leases to total assets | 65.3208% | 2,860 |
| Net loans and leases to deposits | 76.4178% | 2,999 |
| Net loans and leases to core deposits | 79.4801% | 3,265 |
| Total domestic deposits to total assets | 85.4785% | 3,294 |
| Equity capital to assets | 9.2465% | 5,042 |
| Core capital (leverage) ratio | 9.1238% | 4,847 |
| Tier 1 risk-based capital ratio | 15.7598% | 3,220 |
| Total risk-based capital ratio | 17.0187% | 3,150 |
| Memoranda: | ||
| Average total assets | $321,918,000 | 2,027 |
| Average earning assets | $301,557,670 | 2,000 |
| Average equity | $30,830,670 | 2,225 |
| Average total loans | $224,251,000 | 1,872 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1003% | 3,283 |
| Cost of funding earning assets | 0.2838% | 5,232 |
| Net interest margin | 3.8165% | 2,400 |
| Noninterest income to average assets | 0.6624% | 2,387 |
| Noninterest expense to average assets | 3.3774% | 1,758 |
| Loan and lease loss provision to assets | -0.2110% | 6,573 |
| Net operating income to assets | 0.6837% | 3,762 |
| Return on assets (ROA) | 0.7328% | 3,609 |
| Pretax return on assets | 1.1497% | 2,701 |
| Return on Equity (ROE) | 7.5103% | 3,197 |
| Retained earnings to average equity (ytd only) | 7.5103% | 1,814 |
| Net charge-offs to loans | -0.1809% | 6,352 |
| Credit loss provision to net charge-offs | 163.3663% | 1,191 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6682% | 2,250 |
| Assets per employee ($millions) | 4.1176% | 3,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6576% | 2,480 |
| Loan loss allowance to noncurrent loans | 218.7059% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.7887% | 3,769 |
| Noncurrent loans to loans | 0.7579% | 3,969 |
| Net loans and leases to total assets | 66.9638% | 2,404 |
| Net loans and leases to deposits | 78.2084% | 2,525 |
| Net loans and leases to core deposits | 81.0534% | 2,847 |
| Total domestic deposits to total assets | 85.6223% | 3,548 |
| Equity capital to assets | 9.3614% | 4,683 |
| Core capital (leverage) ratio | 9.5296% | 4,239 |
| Tier 1 risk-based capital ratio | 15.7727% | 3,286 |
| Total risk-based capital ratio | 17.0317% | 3,243 |
| Memoranda: | ||
| Average total assets | $312,781,000 | 2,093 |
| Average earning assets | $293,149,000 | 2,059 |
| Average equity | $30,518,000 | 2,238 |
| Average total loans | $223,384,000 | 1,877 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1914% | 3,376 |
| Cost of funding earning assets | 0.3005% | 5,593 |
| Net interest margin | 3.8909% | 2,320 |
| Noninterest income to average assets | 0.8168% | 1,998 |
| Noninterest expense to average assets | 3.6577% | 1,356 |
| Loan and lease loss provision to assets | 0.0264% | 4,597 |
| Net operating income to assets | 0.5165% | 4,667 |
| Return on assets (ROA) | 0.5257% | 4,738 |
| Pretax return on assets | 0.7982% | 4,149 |
| Return on Equity (ROE) | 5.1919% | 4,543 |
| Retained earnings to average equity (ytd only) | 5.1919% | 2,481 |
| Net charge-offs to loans | 0.0611% | 4,356 |
| Credit loss provision to net charge-offs | 62.4000% | 3,497 |
| Earnings coverage of net charge-offs (x) | 19.1360% | 1,621 |
| Efficiency ratio | 81.8568% | 1,896 |
| Assets per employee ($millions) | 3.8462% | 4,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7000% | 2,403 |
| Loan loss allowance to noncurrent loans | 121.4125% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 1.0518% | 3,313 |
| Noncurrent loans to loans | 1.4002% | 2,793 |
| Net loans and leases to total assets | 73.8412% | 1,372 |
| Net loans and leases to deposits | 87.7366% | 1,497 |
| Net loans and leases to core deposits | 89.3128% | 2,106 |
| Total domestic deposits to total assets | 84.1625% | 4,103 |
| Equity capital to assets | 10.1970% | 3,508 |
| Core capital (leverage) ratio | 9.9025% | 3,697 |
| Tier 1 risk-based capital ratio | 15.6040% | 3,305 |
| Total risk-based capital ratio | 16.8636% | 3,257 |
| Memoranda: | ||
| Average total assets | $295,051,400 | 2,174 |
| Average earning assets | $276,900,200 | 2,132 |
| Average equity | $29,873,400 | 2,257 |
| Average total loans | $204,519,800 | 1,968 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1714% | 3,484 |
| Cost of funding earning assets | 0.3029% | 5,706 |
| Net interest margin | 3.8685% | 2,385 |
| Noninterest income to average assets | 0.8381% | 1,983 |
| Noninterest expense to average assets | 3.6823% | 1,274 |
| Loan and lease loss provision to assets | 0.0353% | 4,310 |
| Net operating income to assets | 0.4682% | 4,940 |
| Return on assets (ROA) | 0.4740% | 5,067 |
| Pretax return on assets | 0.7576% | 4,467 |
| Return on Equity (ROE) | 4.6902% | 4,879 |
| Retained earnings to average equity (ytd only) | 4.6902% | 3,320 |
| Net charge-offs to loans | 0.1126% | 3,418 |
| Credit loss provision to net charge-offs | 46.1538% | 3,593 |
| Earnings coverage of net charge-offs (x) | 10.2543% | 2,384 |
| Efficiency ratio | 82.4489% | 1,770 |
| Assets per employee ($millions) | 3.8774% | 4,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7588% | 2,426 |
| Loan loss allowance to noncurrent loans | 111.1177% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 1.1123% | 3,429 |
| Noncurrent loans to loans | 1.5828% | 2,793 |
| Net loans and leases to total assets | 69.0390% | 2,137 |
| Net loans and leases to deposits | 81.6255% | 2,183 |
| Net loans and leases to core deposits | 83.0587% | 2,755 |
| Total domestic deposits to total assets | 84.5802% | 3,939 |
| Equity capital to assets | 9.8358% | 4,120 |
| Core capital (leverage) ratio | 9.8188% | 3,931 |
| Tier 1 risk-based capital ratio | 15.9932% | 3,198 |
| Total risk-based capital ratio | 17.2513% | 3,150 |
| Memoranda: | ||
| Average total assets | $294,775,000 | 2,190 |
| Average earning assets | $276,449,750 | 2,147 |
| Average equity | $29,792,000 | 2,280 |
| Average total loans | $200,032,750 | 2,002 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1595% | 3,504 |
| Cost of funding earning assets | 0.3068% | 5,773 |
| Net interest margin | 3.8527% | 2,370 |
| Noninterest income to average assets | 0.9116% | 1,779 |
| Noninterest expense to average assets | 3.6103% | 1,397 |
| Loan and lease loss provision to assets | 0.0431% | 4,096 |
| Net operating income to assets | 0.5482% | 4,559 |
| Return on assets (ROA) | 0.5482% | 4,726 |
| Pretax return on assets | 0.8767% | 4,000 |
| Return on Equity (ROE) | 5.3746% | 4,532 |
| Retained earnings to average equity (ytd only) | 5.3746% | 2,824 |
| Net charge-offs to loans | 0.1726% | 2,739 |
| Credit loss provision to net charge-offs | 37.2781% | 3,468 |
| Earnings coverage of net charge-offs (x) | 7.9527% | 2,475 |
| Efficiency ratio | 79.6948% | 2,201 |
| Assets per employee ($millions) | 3.7910% | 4,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8081% | 2,412 |
| Loan loss allowance to noncurrent loans | 133.6324% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 0.9186% | 3,951 |
| Noncurrent loans to loans | 1.3530% | 3,290 |
| Net loans and leases to total assets | 66.6668% | 2,473 |
| Net loans and leases to deposits | 78.8707% | 2,472 |
| Net loans and leases to core deposits | 80.5967% | 2,969 |
| Total domestic deposits to total assets | 84.5267% | 4,117 |
| Equity capital to assets | 9.9152% | 4,021 |
| Core capital (leverage) ratio | 9.8860% | 3,665 |
| Tier 1 risk-based capital ratio | 14.5718% | 4,053 |
| Total risk-based capital ratio | 15.8285% | 4,014 |
| Memoranda: | ||
| Average total assets | $292,221,670 | 2,209 |
| Average earning assets | $274,457,330 | 2,158 |
| Average equity | $29,807,000 | 2,288 |
| Average total loans | $195,865,000 | 2,043 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1902% | 3,347 |
| Cost of funding earning assets | 0.3139% | 5,855 |
| Net interest margin | 3.8763% | 2,195 |
| Noninterest income to average assets | 0.8762% | 1,841 |
| Noninterest expense to average assets | 3.6234% | 1,378 |
| Loan and lease loss provision to assets | 0.0879% | 3,199 |
| Net operating income to assets | 0.5009% | 4,655 |
| Return on assets (ROA) | 0.5009% | 4,806 |
| Pretax return on assets | 0.8009% | 4,164 |
| Return on Equity (ROE) | 4.8391% | 4,670 |
| Retained earnings to average equity (ytd only) | 4.8391% | 3,336 |
| Net charge-offs to loans | 0.3458% | 1,607 |
| Credit loss provision to net charge-offs | 38.1818% | 2,774 |
| Earnings coverage of net charge-offs (x) | 3.8606% | 2,656 |
| Efficiency ratio | 80.3030% | 2,280 |
| Assets per employee ($millions) | 3.5510% | 4,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9115% | 2,271 |
| Loan loss allowance to noncurrent loans | 129.4097% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 1.0516% | 3,832 |
| Noncurrent loans to loans | 1.4771% | 3,346 |
| Net loans and leases to total assets | 65.6815% | 2,429 |
| Net loans and leases to deposits | 78.2623% | 2,305 |
| Net loans and leases to core deposits | 80.4526% | 2,751 |
| Total domestic deposits to total assets | 83.9248% | 4,508 |
| Equity capital to assets | 10.2647% | 3,840 |
| Core capital (leverage) ratio | 9.9700% | 3,423 |
| Tier 1 risk-based capital ratio | 15.0095% | 3,828 |
| Total risk-based capital ratio | 16.2688% | 3,783 |
| Memoranda: | ||
| Average total assets | $286,691,000 | 2,271 |
| Average earning assets | $268,913,500 | 2,222 |
| Average equity | $29,675,000 | 2,323 |
| Average total loans | $190,841,500 | 2,100 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5871% | 3,053 |
| Cost of funding earning assets | 0.4298% | 5,723 |
| Net interest margin | 4.1573% | 1,789 |
| Noninterest income to average assets | 0.8923% | 1,891 |
| Noninterest expense to average assets | 3.6397% | 1,525 |
| Loan and lease loss provision to assets | 0.0213% | 5,631 |
| Net operating income to assets | 0.6461% | 4,013 |
| Return on assets (ROA) | 0.5732% | 4,624 |
| Pretax return on assets | 0.8564% | 4,079 |
| Return on Equity (ROE) | 5.6995% | 4,306 |
| Retained earnings to average equity (ytd only) | 5.6995% | 2,253 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6742% | 2,329 |
| Assets per employee ($millions) | 3.4840% | 5,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0508% | 1,890 |
| Loan loss allowance to noncurrent loans | 130.9956% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 1.1031% | 3,805 |
| Noncurrent loans to loans | 1.5656% | 3,272 |
| Net loans and leases to total assets | 64.8031% | 2,755 |
| Net loans and leases to deposits | 77.9837% | 2,533 |
| Net loans and leases to core deposits | 80.1756% | 2,981 |
| Total domestic deposits to total assets | 83.0982% | 4,679 |
| Equity capital to assets | 10.4397% | 3,604 |
| Core capital (leverage) ratio | 10.0397% | 3,350 |
| Tier 1 risk-based capital ratio | 15.2530% | 3,578 |
| Total risk-based capital ratio | 16.5082% | 3,522 |
| Memoranda: | ||
| Average total assets | $281,069,000 | 2,258 |
| Average earning assets | $252,448,800 | 2,295 |
| Average equity | $28,265,400 | 2,376 |
| Average total loans | $177,011,000 | 2,238 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6272% | 3,106 |
| Cost of funding earning assets | 0.4630% | 5,696 |
| Net interest margin | 4.1642% | 1,851 |
| Noninterest income to average assets | 0.8647% | 1,966 |
| Noninterest expense to average assets | 3.8078% | 1,198 |
| Loan and lease loss provision to assets | 0.0285% | 5,425 |
| Net operating income to assets | 0.4559% | 5,013 |
| Return on assets (ROA) | 0.4416% | 5,310 |
| Pretax return on assets | 0.7042% | 4,851 |
| Return on Equity (ROE) | 4.4338% | 5,078 |
| Retained earnings to average equity (ytd only) | 4.4338% | 3,775 |
| Net charge-offs to loans | -0.0382% | 6,638 |
| Credit loss provision to net charge-offs | -120.0000% | 6,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4530% | 1,647 |
| Assets per employee ($millions) | 3.6626% | 4,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1571% | 1,789 |
| Loan loss allowance to noncurrent loans | 160.8209% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.9709% | 4,342 |
| Noncurrent loans to loans | 1.3413% | 3,786 |
| Net loans and leases to total assets | 64.0519% | 3,019 |
| Net loans and leases to deposits | 77.1154% | 2,792 |
| Net loans and leases to core deposits | 79.1998% | 3,303 |
| Total domestic deposits to total assets | 83.0598% | 4,621 |
| Equity capital to assets | 10.4497% | 3,901 |
| Core capital (leverage) ratio | 9.4399% | 4,362 |
| Tier 1 risk-based capital ratio | 14.6898% | 4,057 |
| Total risk-based capital ratio | 15.9498% | 4,013 |
| Memoranda: | ||
| Average total assets | $280,786,000 | 2,293 |
| Average earning assets | $249,358,500 | 2,353 |
| Average equity | $27,966,500 | 2,414 |
| Average total loans | $174,587,750 | 2,290 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6121% | 3,306 |
| Cost of funding earning assets | 0.4768% | 5,784 |
| Net interest margin | 4.1354% | 1,954 |
| Noninterest income to average assets | 0.8408% | 1,999 |
| Noninterest expense to average assets | 3.8322% | 1,165 |
| Loan and lease loss provision to assets | 0.0424% | 5,140 |
| Net operating income to assets | 0.3877% | 5,257 |
| Return on assets (ROA) | 0.3402% | 5,687 |
| Pretax return on assets | 0.5417% | 5,331 |
| Return on Equity (ROE) | 3.4704% | 5,497 |
| Retained earnings to average equity (ytd only) | 3.4704% | 4,287 |
| Net charge-offs to loans | -0.0694% | 6,754 |
| Credit loss provision to net charge-offs | -100.0000% | 6,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3386% | 1,492 |
| Assets per employee ($millions) | 3.6489% | 4,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1973% | 1,774 |
| Loan loss allowance to noncurrent loans | 156.3731% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 1.0553% | 4,271 |
| Noncurrent loans to loans | 1.4052% | 3,812 |
| Net loans and leases to total assets | 60.0504% | 3,808 |
| Net loans and leases to deposits | 73.6861% | 3,343 |
| Net loans and leases to core deposits | 75.6165% | 3,804 |
| Total domestic deposits to total assets | 81.4949% | 5,300 |
| Equity capital to assets | 9.7804% | 4,654 |
| Core capital (leverage) ratio | 9.2051% | 4,605 |
| Tier 1 risk-based capital ratio | 14.5594% | 4,059 |
| Total risk-based capital ratio | 15.8203% | 4,016 |
| Memoranda: | ||
| Average total assets | $282,816,000 | 2,281 |
| Average earning assets | $249,602,000 | 2,358 |
| Average equity | $27,720,330 | 2,422 |
| Average total loans | $172,841,330 | 2,321 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6475% | 3,280 |
| Cost of funding earning assets | 0.5035% | 5,790 |
| Net interest margin | 4.1440% | 1,957 |
| Noninterest income to average assets | 0.7755% | 2,272 |
| Noninterest expense to average assets | 3.9187% | 1,040 |
| Loan and lease loss provision to assets | -0.0286% | 7,129 |
| Net operating income to assets | 0.3580% | 5,441 |
| Return on assets (ROA) | 0.2785% | 5,890 |
| Pretax return on assets | 0.4399% | 5,617 |
| Return on Equity (ROE) | 2.8380% | 5,773 |
| Retained earnings to average equity (ytd only) | 2.8380% | 4,827 |
| Net charge-offs to loans | -0.0632% | 6,628 |
| Credit loss provision to net charge-offs | 74.0741% | 2,844 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9769% | 1,285 |
| Assets per employee ($millions) | 3.6035% | 4,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2051% | 1,871 |
| Loan loss allowance to noncurrent loans | 187.3016% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 1.0528% | 4,387 |
| Noncurrent loans to loans | 1.1773% | 4,367 |
| Net loans and leases to total assets | 58.8275% | 3,898 |
| Net loans and leases to deposits | 71.8069% | 3,459 |
| Net loans and leases to core deposits | 73.7193% | 3,931 |
| Total domestic deposits to total assets | 81.9245% | 5,327 |
| Equity capital to assets | 9.7217% | 4,491 |
| Core capital (leverage) ratio | 9.2995% | 4,366 |
| Tier 1 risk-based capital ratio | 14.8062% | 3,887 |
| Total risk-based capital ratio | 16.0682% | 3,839 |
| Memoranda: | ||
| Average total assets | $280,093,500 | 2,312 |
| Average earning assets | $248,650,000 | 2,375 |
| Average equity | $27,484,000 | 2,434 |
| Average total loans | $170,766,500 | 2,354 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6353% | 4,525 |
| Cost of funding earning assets | 0.6365% | 5,892 |
| Net interest margin | 3.9988% | 2,883 |
| Noninterest income to average assets | 0.6772% | 2,741 |
| Noninterest expense to average assets | 3.7840% | 1,379 |
| Loan and lease loss provision to assets | 0.2368% | 3,838 |
| Net operating income to assets | 0.3029% | 5,238 |
| Return on assets (ROA) | 0.3792% | 5,127 |
| Pretax return on assets | 0.4440% | 5,152 |
| Return on Equity (ROE) | 4.0164% | 4,836 |
| Retained earnings to average equity (ytd only) | 4.0164% | 3,334 |
| Net charge-offs to loans | 0.6266% | 2,582 |
| Credit loss provision to net charge-offs | 63.5755% | 5,068 |
| Earnings coverage of net charge-offs (x) | 1.5870% | 4,582 |
| Efficiency ratio | 86.4898% | 1,500 |
| Assets per employee ($millions) | 3.4439% | 5,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2133% | 1,780 |
| Loan loss allowance to noncurrent loans | 166.6962% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 1.5277% | 3,665 |
| Noncurrent loans to loans | 1.3277% | 4,158 |
| Net loans and leases to total assets | 60.4405% | 3,909 |
| Net loans and leases to deposits | 73.9690% | 3,502 |
| Net loans and leases to core deposits | 76.2149% | 3,956 |
| Total domestic deposits to total assets | 81.7105% | 5,226 |
| Equity capital to assets | 9.9062% | 4,297 |
| Core capital (leverage) ratio | 9.1748% | 4,501 |
| Tier 1 risk-based capital ratio | 14.6888% | 3,837 |
| Total risk-based capital ratio | 15.9501% | 3,809 |
| Memoranda: | ||
| Average total assets | $280,842,200 | 2,260 |
| Average earning assets | $259,702,400 | 2,238 |
| Average equity | $26,516,000 | 2,432 |
| Average total loans | $166,924,200 | 2,402 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6102% | 4,831 |
| Cost of funding earning assets | 0.6599% | 5,984 |
| Net interest margin | 3.9503% | 3,156 |
| Noninterest income to average assets | 0.7503% | 2,312 |
| Noninterest expense to average assets | 3.7881% | 1,317 |
| Loan and lease loss provision to assets | 0.2873% | 3,217 |
| Net operating income to assets | 0.2503% | 5,570 |
| Return on assets (ROA) | 0.3393% | 5,429 |
| Pretax return on assets | 0.4848% | 5,208 |
| Return on Equity (ROE) | 3.6370% | 5,158 |
| Retained earnings to average equity (ytd only) | 3.6370% | 4,162 |
| Net charge-offs to loans | 0.8068% | 1,946 |
| Credit loss provision to net charge-offs | 60.4975% | 4,798 |
| Earnings coverage of net charge-offs (x) | 1.3582% | 4,599 |
| Efficiency ratio | 85.4509% | 1,584 |
| Assets per employee ($millions) | 3.4330% | 5,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2341% | 1,804 |
| Loan loss allowance to noncurrent loans | 139.8286% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 1.8636% | 3,316 |
| Noncurrent loans to loans | 1.5978% | 3,900 |
| Net loans and leases to total assets | 58.3403% | 4,451 |
| Net loans and leases to deposits | 72.0065% | 3,991 |
| Net loans and leases to core deposits | 74.9229% | 4,329 |
| Total domestic deposits to total assets | 81.0209% | 5,425 |
| Equity capital to assets | 9.6076% | 4,922 |
| Core capital (leverage) ratio | 9.0263% | 4,887 |
| Tier 1 risk-based capital ratio | 14.6155% | 3,892 |
| Total risk-based capital ratio | 15.8784% | 3,862 |
| Memoranda: | ||
| Average total assets | $282,174,250 | 2,255 |
| Average earning assets | $263,064,250 | 2,227 |
| Average equity | $26,321,750 | 2,451 |
| Average total loans | $166,082,500 | 2,429 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5345% | 5,246 |
| Cost of funding earning assets | 0.6900% | 6,020 |
| Net interest margin | 3.8446% | 3,559 |
| Noninterest income to average assets | 0.7691% | 2,162 |
| Noninterest expense to average assets | 3.7621% | 1,419 |
| Loan and lease loss provision to assets | 0.3739% | 2,556 |
| Net operating income to assets | 0.1926% | 5,760 |
| Return on assets (ROA) | 0.3329% | 5,376 |
| Pretax return on assets | 0.4759% | 5,148 |
| Return on Equity (ROE) | 3.6042% | 5,113 |
| Retained earnings to average equity (ytd only) | 3.6042% | 3,944 |
| Net charge-offs to loans | 0.3445% | 3,181 |
| Credit loss provision to net charge-offs | 185.2632% | 1,629 |
| Earnings coverage of net charge-offs (x) | 3.2175% | 3,263 |
| Efficiency ratio | 85.2785% | 1,673 |
| Assets per employee ($millions) | 3.5956% | 4,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6557% | 1,232 |
| Loan loss allowance to noncurrent loans | 74.9275% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 2.4087% | 2,746 |
| Noncurrent loans to loans | 3.5444% | 1,996 |
| Net loans and leases to total assets | 56.6879% | 4,868 |
| Net loans and leases to deposits | 69.9562% | 4,446 |
| Net loans and leases to core deposits | 72.7765% | 4,736 |
| Total domestic deposits to total assets | 81.0334% | 5,519 |
| Equity capital to assets | 9.3599% | 5,054 |
| Core capital (leverage) ratio | 8.7785% | 5,081 |
| Tier 1 risk-based capital ratio | 14.4271% | 3,846 |
| Total risk-based capital ratio | 15.6933% | 3,800 |
| Memoranda: | ||
| Average total assets | $282,397,330 | 2,267 |
| Average earning assets | $267,547,330 | 2,201 |
| Average equity | $26,080,330 | 2,455 |
| Average total loans | $165,448,670 | 2,463 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6275% | 4,836 |
| Cost of funding earning assets | 0.7600% | 5,802 |
| Net interest margin | 3.8675% | 3,311 |
| Noninterest income to average assets | 0.8311% | 1,922 |
| Noninterest expense to average assets | 3.7319% | 1,473 |
| Loan and lease loss provision to assets | 0.3750% | 2,316 |
| Net operating income to assets | 0.2674% | 5,551 |
| Return on assets (ROA) | 0.2415% | 5,706 |
| Pretax return on assets | 0.3452% | 5,525 |
| Return on Equity (ROE) | 2.6329% | 5,550 |
| Retained earnings to average equity (ytd only) | 2.6329% | 4,589 |
| Net charge-offs to loans | 0.0483% | 4,457 |
| Credit loss provision to net charge-offs | 1,320.0000% | 304 |
| Earnings coverage of net charge-offs (x) | 26.6500% | 917 |
| Efficiency ratio | 83.1329% | 2,061 |
| Assets per employee ($millions) | 3.7551% | 4,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6494% | 1,261 |
| Loan loss allowance to noncurrent loans | 98.5865% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 2.3263% | 2,921 |
| Noncurrent loans to loans | 2.6874% | 2,806 |
| Net loans and leases to total assets | 56.5752% | 4,897 |
| Net loans and leases to deposits | 69.1986% | 4,494 |
| Net loans and leases to core deposits | 73.5092% | 4,589 |
| Total domestic deposits to total assets | 81.7576% | 5,408 |
| Equity capital to assets | 9.0993% | 5,054 |
| Core capital (leverage) ratio | 8.8769% | 4,810 |
| Tier 1 risk-based capital ratio | 13.6845% | 4,299 |
| Total risk-based capital ratio | 14.9500% | 4,258 |
| Memoranda: | ||
| Average total assets | $281,570,000 | 2,289 |
| Average earning assets | $266,323,000 | 2,225 |
| Average equity | $25,827,000 | 2,466 |
| Average total loans | $165,465,000 | 2,495 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0306% | 4,407 |
| Cost of funding earning assets | 1.0208% | 5,586 |
| Net interest margin | 4.0098% | 2,982 |
| Noninterest income to average assets | 0.6762% | 2,987 |
| Noninterest expense to average assets | 3.7829% | 1,519 |
| Loan and lease loss provision to assets | 0.3613% | 3,955 |
| Net operating income to assets | 0.2306% | 5,179 |
| Return on assets (ROA) | 0.2213% | 5,362 |
| Pretax return on assets | 0.2733% | 5,305 |
| Return on Equity (ROE) | 2.2919% | 5,265 |
| Retained earnings to average equity (ytd only) | 2.2919% | 4,276 |
| Net charge-offs to loans | 0.7721% | 2,707 |
| Credit loss provision to net charge-offs | 74.7886% | 5,742 |
| Earnings coverage of net charge-offs (x) | 1.3374% | 4,765 |
| Efficiency ratio | 85.4125% | 1,757 |
| Assets per employee ($millions) | 3.8049% | 4,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5139% | 1,396 |
| Loan loss allowance to noncurrent loans | 232.8844% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 1.4272% | 4,203 |
| Noncurrent loans to loans | 1.0795% | 4,934 |
| Net loans and leases to total assets | 57.9392% | 5,032 |
| Net loans and leases to deposits | 73.4849% | 4,280 |
| Net loans and leases to core deposits | 79.2473% | 4,313 |
| Total domestic deposits to total assets | 78.8450% | 6,119 |
| Equity capital to assets | 9.2477% | 4,760 |
| Core capital (leverage) ratio | 8.8716% | 4,747 |
| Tier 1 risk-based capital ratio | 13.6306% | 4,110 |
| Total risk-based capital ratio | 14.8942% | 4,070 |
| Memoranda: | ||
| Average total assets | $269,315,600 | 2,364 |
| Average earning assets | $252,056,400 | 2,325 |
| Average equity | $26,005,000 | 2,456 |
| Average total loans | $168,492,200 | 2,489 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0745% | 4,455 |
| Cost of funding earning assets | 1.0476% | 5,709 |
| Net interest margin | 4.0269% | 2,969 |
| Noninterest income to average assets | 0.6961% | 2,838 |
| Noninterest expense to average assets | 3.7833% | 1,401 |
| Loan and lease loss provision to assets | 0.2754% | 4,384 |
| Net operating income to assets | 0.2595% | 5,316 |
| Return on assets (ROA) | 0.2495% | 5,510 |
| Pretax return on assets | 0.3812% | 5,277 |
| Return on Equity (ROE) | 2.5557% | 5,409 |
| Retained earnings to average equity (ytd only) | 2.5557% | 4,632 |
| Net charge-offs to loans | 0.9857% | 2,033 |
| Credit loss provision to net charge-offs | 44.0895% | 5,966 |
| Earnings coverage of net charge-offs (x) | 1.0759% | 4,978 |
| Efficiency ratio | 84.9143% | 1,739 |
| Assets per employee ($millions) | 3.5300% | 4,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2447% | 1,710 |
| Loan loss allowance to noncurrent loans | 121.7924% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 1.8579% | 3,668 |
| Noncurrent loans to loans | 1.8430% | 3,873 |
| Net loans and leases to total assets | 60.5328% | 4,810 |
| Net loans and leases to deposits | 77.9644% | 3,834 |
| Net loans and leases to core deposits | 84.1412% | 3,913 |
| Total domestic deposits to total assets | 77.6416% | 6,335 |
| Equity capital to assets | 9.7385% | 4,485 |
| Core capital (leverage) ratio | 9.0403% | 4,619 |
| Tier 1 risk-based capital ratio | 13.2008% | 4,423 |
| Total risk-based capital ratio | 14.4608% | 4,392 |
| Memoranda: | ||
| Average total assets | $267,205,750 | 2,421 |
| Average earning assets | $249,449,500 | 2,381 |
| Average equity | $26,084,750 | 2,489 |
| Average total loans | $169,345,500 | 2,524 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1571% | 4,158 |
| Cost of funding earning assets | 1.0719% | 5,816 |
| Net interest margin | 4.0852% | 2,629 |
| Noninterest income to average assets | 0.7009% | 2,699 |
| Noninterest expense to average assets | 3.8491% | 1,268 |
| Loan and lease loss provision to assets | 0.1483% | 5,414 |
| Net operating income to assets | 0.3305% | 5,059 |
| Return on assets (ROA) | 0.3305% | 5,221 |
| Pretax return on assets | 0.5051% | 4,886 |
| Return on Equity (ROE) | 3.3826% | 5,067 |
| Retained earnings to average equity (ytd only) | 3.3826% | 3,958 |
| Net charge-offs to loans | 1.0831% | 1,740 |
| Credit loss provision to net charge-offs | 21.4363% | 5,837 |
| Earnings coverage of net charge-offs (x) | 0.9445% | 4,833 |
| Efficiency ratio | 85.4874% | 1,774 |
| Assets per employee ($millions) | 3.6056% | 4,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2673% | 1,641 |
| Loan loss allowance to noncurrent loans | 66.8446% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 2.3060% | 3,126 |
| Noncurrent loans to loans | 3.3919% | 2,352 |
| Net loans and leases to total assets | 59.8706% | 5,085 |
| Net loans and leases to deposits | 77.7713% | 4,027 |
| Net loans and leases to core deposits | 84.3741% | 4,090 |
| Total domestic deposits to total assets | 76.9828% | 6,509 |
| Equity capital to assets | 9.7556% | 4,330 |
| Core capital (leverage) ratio | 9.1302% | 4,408 |
| Tier 1 risk-based capital ratio | 13.1199% | 4,346 |
| Total risk-based capital ratio | 14.3795% | 4,298 |
| Memoranda: | ||
| Average total assets | $265,671,670 | 2,457 |
| Average earning assets | $247,234,000 | 2,421 |
| Average equity | $25,956,330 | 2,496 |
| Average total loans | $169,690,330 | 2,548 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2589% | 3,738 |
| Cost of funding earning assets | 1.1089% | 5,857 |
| Net interest margin | 4.1500% | 2,237 |
| Noninterest income to average assets | 0.6244% | 3,124 |
| Noninterest expense to average assets | 3.8253% | 1,290 |
| Loan and lease loss provision to assets | 0.4998% | 2,499 |
| Net operating income to assets | 0.0942% | 6,040 |
| Return on assets (ROA) | 0.0942% | 6,139 |
| Pretax return on assets | 0.1428% | 6,035 |
| Return on Equity (ROE) | 0.9633% | 6,126 |
| Retained earnings to average equity (ytd only) | 0.9633% | 5,430 |
| Net charge-offs to loans | 1.5725% | 1,103 |
| Credit loss provision to net charge-offs | 48.7407% | 4,508 |
| Earnings coverage of net charge-offs (x) | 0.6267% | 4,466 |
| Efficiency ratio | 85.6171% | 1,836 |
| Assets per employee ($millions) | 3.3888% | 5,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4293% | 1,390 |
| Loan loss allowance to noncurrent loans | 59.5046% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 3.1571% | 2,273 |
| Noncurrent loans to loans | 4.0825% | 1,905 |
| Net loans and leases to total assets | 62.7872% | 4,591 |
| Net loans and leases to deposits | 81.3901% | 3,391 |
| Net loans and leases to core deposits | 88.4960% | 3,570 |
| Total domestic deposits to total assets | 77.1435% | 6,526 |
| Equity capital to assets | 9.7736% | 4,146 |
| Core capital (leverage) ratio | 9.0730% | 4,433 |
| Tier 1 risk-based capital ratio | 11.9522% | 5,248 |
| Total risk-based capital ratio | 13.2128% | 5,196 |
| Memoranda: | ||
| Average total assets | $263,297,500 | 2,536 |
| Average earning assets | $243,855,500 | 2,503 |
| Average equity | $25,744,000 | 2,536 |
| Average total loans | $171,706,500 | 2,584 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4905% | 4,194 |
| Cost of funding earning assets | 1.4532% | 5,709 |
| Net interest margin | 4.0373% | 2,707 |
| Noninterest income to average assets | 0.0505% | 7,501 |
| Noninterest expense to average assets | 4.0390% | 1,310 |
| Loan and lease loss provision to assets | 2.3464% | 865 |
| Net operating income to assets | -1.5611% | 6,892 |
| Return on assets (ROA) | -1.4826% | 6,859 |
| Pretax return on assets | -2.4593% | 7,135 |
| Return on Equity (ROE) | -15.8030% | 6,975 |
| Retained earnings to average equity (ytd only) | -15.8030% | 6,927 |
| Net charge-offs to loans | 2.8091% | 790 |
| Credit loss provision to net charge-offs | 129.4163% | 3,965 |
| Earnings coverage of net charge-offs (x) | -0.1299% | 6,366 |
| Efficiency ratio | 106.1913% | 906 |
| Assets per employee ($millions) | 3.4061% | 5,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5837% | 1,135 |
| Loan loss allowance to noncurrent loans | 49.8164% | 5,062 |
| Noncurrent assets plus other real estate owned to assets | 4.1171% | 1,595 |
| Noncurrent loans to loans | 5.1864% | 1,283 |
| Net loans and leases to total assets | 64.3767% | 4,520 |
| Net loans and leases to deposits | 84.2059% | 3,217 |
| Net loans and leases to core deposits | 104.1772% | 3,555 |
| Total domestic deposits to total assets | 76.4515% | 6,597 |
| Equity capital to assets | 9.7814% | 4,031 |
| Core capital (leverage) ratio | 9.3184% | 3,950 |
| Tier 1 risk-based capital ratio | 11.4337% | 5,470 |
| Total risk-based capital ratio | 12.6947% | 5,422 |
| Memoranda: | ||
| Average total assets | $285,368,600 | 2,307 |
| Average earning assets | $265,274,600 | 2,281 |
| Average equity | $26,773,400 | 2,466 |
| Average total loans | $184,189,400 | 2,468 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5192% | 4,324 |
| Cost of funding earning assets | 1.5163% | 5,759 |
| Net interest margin | 4.0030% | 2,808 |
| Noninterest income to average assets | -0.2555% | 8,001 |
| Noninterest expense to average assets | 4.1133% | 1,121 |
| Loan and lease loss provision to assets | 2.7537% | 570 |
| Net operating income to assets | -2.2080% | 7,385 |
| Return on assets (ROA) | -2.1038% | 7,355 |
| Pretax return on assets | -3.2409% | 7,557 |
| Return on Equity (ROE) | -22.6412% | 7,459 |
| Retained earnings to average equity (ytd only) | -22.6412% | 7,428 |
| Net charge-offs to loans | 3.1915% | 503 |
| Credit loss provision to net charge-offs | 134.3987% | 3,703 |
| Earnings coverage of net charge-offs (x) | -0.3160% | 6,369 |
| Efficiency ratio | 118.6839% | 610 |
| Assets per employee ($millions) | 3.3490% | 5,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5052% | 1,053 |
| Loan loss allowance to noncurrent loans | 49.1956% | 5,032 |
| Noncurrent assets plus other real estate owned to assets | 3.6501% | 1,799 |
| Noncurrent loans to loans | 5.0922% | 1,276 |
| Net loans and leases to total assets | 63.7005% | 4,926 |
| Net loans and leases to deposits | 82.1982% | 3,985 |
| Net loans and leases to core deposits | 100.3108% | 4,334 |
| Total domestic deposits to total assets | 77.4963% | 6,219 |
| Equity capital to assets | 9.1468% | 5,265 |
| Core capital (leverage) ratio | 8.3118% | 5,813 |
| Tier 1 risk-based capital ratio | 10.5942% | 6,353 |
| Total risk-based capital ratio | 11.8543% | 6,313 |
| Memoranda: | ||
| Average total assets | $291,142,750 | 2,296 |
| Average earning assets | $270,659,750 | 2,254 |
| Average equity | $27,053,250 | 2,468 |
| Average total loans | $186,906,750 | 2,460 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4943% | 4,667 |
| Cost of funding earning assets | 1.5295% | 6,018 |
| Net interest margin | 3.9649% | 2,843 |
| Noninterest income to average assets | -0.2690% | 8,089 |
| Noninterest expense to average assets | 4.1200% | 1,164 |
| Loan and lease loss provision to assets | 1.7125% | 978 |
| Net operating income to assets | -1.5312% | 7,263 |
| Return on assets (ROA) | -1.5527% | 7,274 |
| Pretax return on assets | -2.4049% | 7,395 |
| Return on Equity (ROE) | -16.6294% | 7,406 |
| Retained earnings to average equity (ytd only) | -16.6294% | 7,329 |
| Net charge-offs to loans | 1.9293% | 972 |
| Credit loss provision to net charge-offs | 139.0257% | 3,358 |
| Earnings coverage of net charge-offs (x) | -0.5353% | 6,091 |
| Efficiency ratio | 119.0532% | 680 |
| Assets per employee ($millions) | 3.2950% | 5,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9872% | 1,598 |
| Loan loss allowance to noncurrent loans | 63.3788% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 3.9042% | 1,539 |
| Noncurrent loans to loans | 3.1354% | 2,277 |
| Net loans and leases to total assets | 63.1261% | 5,158 |
| Net loans and leases to deposits | 84.5886% | 3,777 |
| Net loans and leases to core deposits | 103.7388% | 4,092 |
| Total domestic deposits to total assets | 74.6272% | 6,838 |
| Equity capital to assets | 9.4164% | 4,722 |
| Core capital (leverage) ratio | 9.1559% | 4,372 |
| Tier 1 risk-based capital ratio | 12.6269% | 4,417 |
| Total risk-based capital ratio | 13.8832% | 4,335 |
| Memoranda: | ||
| Average total assets | $296,650,000 | 2,273 |
| Average earning assets | $279,051,670 | 2,230 |
| Average equity | $27,698,000 | 2,425 |
| Average total loans | $189,399,000 | 2,464 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4944% | 4,943 |
| Cost of funding earning assets | 1.5466% | 6,250 |
| Net interest margin | 3.9478% | 2,856 |
| Noninterest income to average assets | -2.0846% | 8,234 |
| Noninterest expense to average assets | 3.9822% | 1,208 |
| Loan and lease loss provision to assets | 0.9216% | 1,411 |
| Net operating income to assets | -2.1138% | 7,689 |
| Return on assets (ROA) | -2.1138% | 7,688 |
| Pretax return on assets | -3.2582% | 7,803 |
| Return on Equity (ROE) | -22.7308% | 7,806 |
| Retained earnings to average equity (ytd only) | -22.7308% | 7,715 |
| Net charge-offs to loans | 2.3193% | 627 |
| Credit loss provision to net charge-offs | 62.5000% | 4,474 |
| Earnings coverage of net charge-offs (x) | -1.5845% | 5,436 |
| Efficiency ratio | 241.9823% | 134 |
| Assets per employee ($millions) | 3.2288% | 5,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3391% | 3,861 |
| Loan loss allowance to noncurrent loans | 23.8561% | 6,971 |
| Noncurrent assets plus other real estate owned to assets | 4.5705% | 1,044 |
| Noncurrent loans to loans | 5.6134% | 899 |
| Net loans and leases to total assets | 62.9724% | 5,170 |
| Net loans and leases to deposits | 86.2430% | 3,585 |
| Net loans and leases to core deposits | 104.9907% | 4,029 |
| Total domestic deposits to total assets | 73.0174% | 7,050 |
| Equity capital to assets | 9.2165% | 5,069 |
| Core capital (leverage) ratio | 9.0831% | 4,583 |
| Tier 1 risk-based capital ratio | 12.6517% | 4,435 |
| Total risk-based capital ratio | 13.8466% | 4,399 |
| Memoranda: | ||
| Average total assets | $301,640,500 | 2,256 |
| Average earning assets | $285,016,500 | 2,213 |
| Average equity | $28,050,000 | 2,414 |
| Average total loans | $191,782,500 | 2,448 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8675% | 6,194 |
| Cost of funding earning assets | 1.7501% | 7,133 |
| Net interest margin | 4.1173% | 2,634 |
| Noninterest income to average assets | 0.7506% | 2,781 |
| Noninterest expense to average assets | 3.7429% | 1,870 |
| Loan and lease loss provision to assets | 0.5224% | 2,724 |
| Net operating income to assets | 0.3520% | 5,344 |
| Return on assets (ROA) | 0.0772% | 6,009 |
| Pretax return on assets | 0.0847% | 5,977 |
| Return on Equity (ROE) | 0.8275% | 5,967 |
| Retained earnings to average equity (ytd only) | 0.7746% | 4,762 |
| Net charge-offs to loans | 0.2630% | 3,649 |
| Credit loss provision to net charge-offs | 329.3996% | 1,373 |
| Earnings coverage of net charge-offs (x) | 5.7329% | 3,553 |
| Efficiency ratio | 80.4573% | 2,535 |
| Assets per employee ($millions) | 3.2928% | 5,228 |
| Cash dividends to net income (ytd only)* | 6.3830% | 4,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5240% | 2,571 |
| Loan loss allowance to noncurrent loans | 33.6789% | 6,485 |
| Noncurrent assets plus other real estate owned to assets | 4.3432% | 891 |
| Noncurrent loans to loans | 4.5251% | 1,054 |
| Net loans and leases to total assets | 62.3746% | 5,562 |
| Net loans and leases to deposits | 92.4244% | 3,065 |
| Net loans and leases to core deposits | 107.4600% | 4,026 |
| Total domestic deposits to total assets | 67.4872% | 7,517 |
| Equity capital to assets | 9.3793% | 4,843 |
| Core capital (leverage) ratio | 9.4792% | 4,038 |
| Tier 1 risk-based capital ratio | 12.9801% | 4,123 |
| Total risk-based capital ratio | 14.2279% | 4,041 |
| Memoranda: | ||
| Average total assets | $304,573,800 | 2,181 |
| Average earning assets | $288,608,400 | 2,111 |
| Average equity | $28,400,200 | 2,378 |
| Average total loans | $183,619,000 | 2,463 |