Home > Providence Bank > Performance and Condition Ratios
Providence Bank, Performance and Condition Ratios
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8318% | 4,869 |
| Cost of funding earning assets | 0.1016% | 4,636 |
| Net interest margin | 1.7302% | 4,830 |
| Noninterest income to average assets | 0.2510% | 3,895 |
| Noninterest expense to average assets | 1.7146% | 4,348 |
| Loan and lease loss provision to assets | 4.1689% | 3 |
| Net operating income to assets | -2.8959% | 4,960 |
| Return on assets (ROA) | -2.8959% | 4,960 |
| Pretax return on assets | -4.0662% | 4,964 |
| Return on Equity (ROE) | -20.0566% | 4,961 |
| Retained earnings to average equity (ytd only) | -20.0566% | 4,919 |
| Net charge-offs to loans | 0.0418% | 1,047 |
| Credit loss provision to net charge-offs | 12,506.8182% | 43 |
| Earnings coverage of net charge-offs (x) | 3.1477% | 1,778 |
| Efficiency ratio | 93.7360% | 288 |
| Assets per employee ($millions) | 6.1015% | 2,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5898% | 1,321 |
| Loan loss allowance to noncurrent loans | 354.4884% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 1.3951% | 481 |
| Noncurrent loans to loans | 0.4485% | 2,513 |
| Net loans and leases to total assets | 77.0816% | 533 |
| Net loans and leases to deposits | 92.4090% | 570 |
| Net loans and leases to core deposits | 99.3837% | 739 |
| Total domestic deposits to total assets | 83.4135% | 3,586 |
| Equity capital to assets | 13.2690% | 846 |
| Core capital (leverage) ratio | 12.0782% | 1,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8487% | 1,347 |
| Memoranda: | ||
| Average total assets | $1,078,749,000 | 897 |
| Average earning assets | $976,542,500 | 914 |
| Average equity | $155,759,500 | 687 |
| Average total loans | $841,594,500 | 777 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3543% | 1,706 |
| Cost of funding earning assets | 0.8912% | 878 |
| Net interest margin | 3.4630% | 2,585 |
| Noninterest income to average assets | 0.5201% | 2,546 |
| Noninterest expense to average assets | 2.6104% | 2,516 |
| Loan and lease loss provision to assets | 0.1889% | 2,062 |
| Net operating income to assets | 0.8767% | 2,803 |
| Return on assets (ROA) | 0.9006% | 2,827 |
| Pretax return on assets | 0.9006% | 3,363 |
| Return on Equity (ROE) | 6.0605% | 3,565 |
| Retained earnings to average equity (ytd only) | 4.8721% | 2,333 |
| Net charge-offs to loans | 0.2130% | 817 |
| Credit loss provision to net charge-offs | 114.5075% | 2,687 |
| Earnings coverage of net charge-offs (x) | 6.4604% | 2,781 |
| Efficiency ratio | 70.7423% | 1,846 |
| Assets per employee ($millions) | 6.2593% | 2,116 |
| Cash dividends to net income (ytd only)* | 19.6098% | 3,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9922% | 3,901 |
| Loan loss allowance to noncurrent loans | 214.3713% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 1.1168% | 814 |
| Noncurrent loans to loans | 0.4628% | 2,577 |
| Net loans and leases to total assets | 76.9534% | 699 |
| Net loans and leases to deposits | 95.7095% | 566 |
| Net loans and leases to core deposits | 109.2115% | 535 |
| Total domestic deposits to total assets | 80.4031% | 3,978 |
| Equity capital to assets | 15.5344% | 484 |
| Core capital (leverage) ratio | 13.3799% | 811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7998% | 1,311 |
| Memoranda: | ||
| Average total assets | $1,132,478,400 | 791 |
| Average earning assets | $1,032,045,200 | 798 |
| Average equity | $168,286,000 | 610 |
| Average total loans | $876,910,400 | 731 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4064% | 1,835 |
| Cost of funding earning assets | 0.9587% | 882 |
| Net interest margin | 3.4477% | 2,758 |
| Noninterest income to average assets | 0.4641% | 2,767 |
| Noninterest expense to average assets | 2.6307% | 2,446 |
| Loan and lease loss provision to assets | 0.2203% | 1,825 |
| Net operating income to assets | 0.7574% | 3,259 |
| Return on assets (ROA) | 0.7890% | 3,251 |
| Pretax return on assets | 0.7890% | 3,674 |
| Return on Equity (ROE) | 5.3695% | 3,763 |
| Retained earnings to average equity (ytd only) | 3.7736% | 3,155 |
| Net charge-offs to loans | 0.2161% | 709 |
| Credit loss provision to net charge-offs | 131.7672% | 2,437 |
| Earnings coverage of net charge-offs (x) | 5.8471% | 2,702 |
| Efficiency ratio | 72.6221% | 1,560 |
| Assets per employee ($millions) | 6.0539% | 2,219 |
| Cash dividends to net income (ytd only)* | 29.7221% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9322% | 3,971 |
| Loan loss allowance to noncurrent loans | 88.3674% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 1.3100% | 712 |
| Noncurrent loans to loans | 1.0550% | 1,415 |
| Net loans and leases to total assets | 78.1811% | 808 |
| Net loans and leases to deposits | 99.6693% | 549 |
| Net loans and leases to core deposits | 116.3337% | 492 |
| Total domestic deposits to total assets | 78.4405% | 4,131 |
| Equity capital to assets | 14.2554% | 796 |
| Core capital (leverage) ratio | 12.7876% | 1,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6328% | 1,616 |
| Memoranda: | ||
| Average total assets | $1,137,060,500 | 776 |
| Average earning assets | $1,036,981,500 | 777 |
| Average equity | $167,088,250 | 606 |
| Average total loans | $879,646,000 | 722 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5663% | 1,737 |
| Cost of funding earning assets | 1.0759% | 778 |
| Net interest margin | 3.4904% | 2,821 |
| Noninterest income to average assets | 0.4232% | 2,954 |
| Noninterest expense to average assets | 2.6007% | 2,662 |
| Loan and lease loss provision to assets | 0.2773% | 1,543 |
| Net operating income to assets | 0.7240% | 3,302 |
| Return on assets (ROA) | 0.7240% | 3,411 |
| Pretax return on assets | 0.7240% | 3,814 |
| Return on Equity (ROE) | 4.8750% | 3,861 |
| Retained earnings to average equity (ytd only) | 3.6710% | 3,080 |
| Net charge-offs to loans | 0.2794% | 570 |
| Credit loss provision to net charge-offs | 129.2500% | 2,239 |
| Earnings coverage of net charge-offs (x) | 4.6667% | 2,577 |
| Efficiency ratio | 71.9037% | 1,694 |
| Assets per employee ($millions) | 6.2623% | 1,982 |
| Cash dividends to net income (ytd only)* | 24.6975% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9401% | 3,836 |
| Loan loss allowance to noncurrent loans | 121.8491% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 1.0784% | 1,066 |
| Noncurrent loans to loans | 0.7715% | 1,955 |
| Net loans and leases to total assets | 77.2075% | 962 |
| Net loans and leases to deposits | 100.5698% | 517 |
| Net loans and leases to core deposits | 114.9010% | 566 |
| Total domestic deposits to total assets | 76.7701% | 4,347 |
| Equity capital to assets | 14.2811% | 783 |
| Core capital (leverage) ratio | 12.8913% | 1,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5917% | 1,603 |
| Memoranda: | ||
| Average total assets | $1,118,541,333 | 775 |
| Average earning assets | $1,018,688,000 | 774 |
| Average equity | $166,113,333 | 604 |
| Average total loans | $859,136,000 | 725 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6954% | 1,724 |
| Cost of funding earning assets | 1.2385% | 680 |
| Net interest margin | 3.4569% | 3,135 |
| Noninterest income to average assets | 0.4202% | 2,967 |
| Noninterest expense to average assets | 2.7045% | 2,697 |
| Loan and lease loss provision to assets | 0.2199% | 1,405 |
| Net operating income to assets | 0.6364% | 3,486 |
| Return on assets (ROA) | 0.6364% | 3,550 |
| Pretax return on assets | 0.6364% | 3,847 |
| Return on Equity (ROE) | 4.1978% | 3,901 |
| Retained earnings to average equity (ytd only) | 1.7685% | 3,525 |
| Net charge-offs to loans | 0.2117% | 660 |
| Credit loss provision to net charge-offs | 136.3014% | 1,638 |
| Earnings coverage of net charge-offs (x) | 5.3082% | 2,070 |
| Efficiency ratio | 75.6309% | 1,606 |
| Assets per employee ($millions) | 5.6802% | 1,948 |
| Cash dividends to net income (ytd only)* | 57.8704% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9998% | 3,719 |
| Loan loss allowance to noncurrent loans | 79.4454% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 1.1888% | 1,053 |
| Noncurrent loans to loans | 1.2584% | 1,298 |
| Net loans and leases to total assets | 76.2018% | 1,266 |
| Net loans and leases to deposits | 100.8415% | 499 |
| Net loans and leases to core deposits | 115.9767% | 588 |
| Total domestic deposits to total assets | 75.5660% | 4,528 |
| Equity capital to assets | 15.1472% | 730 |
| Core capital (leverage) ratio | 13.5164% | 1,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4446% | 1,773 |
| Memoranda: | ||
| Average total assets | $1,086,028,500 | 768 |
| Average earning assets | $986,670,500 | 767 |
| Average equity | $164,657,000 | 603 |
| Average total loans | $827,467,000 | 726 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0099% | 1,450 |
| Cost of funding earning assets | 1.4008% | 565 |
| Net interest margin | 3.6092% | 3,105 |
| Noninterest income to average assets | 0.6001% | 2,219 |
| Noninterest expense to average assets | 2.8073% | 2,574 |
| Loan and lease loss provision to assets | 0.2043% | 990 |
| Net operating income to assets | 0.8583% | 3,362 |
| Return on assets (ROA) | 0.8659% | 3,426 |
| Pretax return on assets | 0.8659% | 3,837 |
| Return on Equity (ROE) | 5.7454% | 3,991 |
| Retained earnings to average equity (ytd only) | 5.1074% | 2,362 |
| Net charge-offs to loans | 0.3791% | 522 |
| Credit loss provision to net charge-offs | 71.5007% | 2,893 |
| Earnings coverage of net charge-offs (x) | 3.7184% | 3,291 |
| Efficiency ratio | 72.1811% | 1,844 |
| Assets per employee ($millions) | 5.3773% | 2,170 |
| Cash dividends to net income (ytd only)* | 11.1049% | 3,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0314% | 3,314 |
| Loan loss allowance to noncurrent loans | 151.8154% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 0.7389% | 1,755 |
| Noncurrent loans to loans | 0.6794% | 2,186 |
| Net loans and leases to total assets | 74.6119% | 1,649 |
| Net loans and leases to deposits | 99.8004% | 618 |
| Net loans and leases to core deposits | 113.1647% | 707 |
| Total domestic deposits to total assets | 74.7611% | 4,719 |
| Equity capital to assets | 15.1760% | 753 |
| Core capital (leverage) ratio | 13.5805% | 1,031 |
| Tier 1 risk-based capital ratio | 14.9034% | 2,819 |
| Total risk-based capital ratio | 15.8659% | 2,857 |
| Memoranda: | ||
| Average total assets | $1,039,968,800 | 755 |
| Average earning assets | $942,186,600 | 757 |
| Average equity | $156,734,200 | 600 |
| Average total loans | $784,032,600 | 726 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9981% | 1,545 |
| Cost of funding earning assets | 1.4258% | 525 |
| Net interest margin | 3.5722% | 3,322 |
| Noninterest income to average assets | 0.5668% | 2,370 |
| Noninterest expense to average assets | 2.8202% | 2,514 |
| Loan and lease loss provision to assets | 0.0848% | 2,210 |
| Net operating income to assets | 0.8969% | 3,357 |
| Return on assets (ROA) | 0.9071% | 3,396 |
| Pretax return on assets | 0.9071% | 3,855 |
| Return on Equity (ROE) | 6.0296% | 4,038 |
| Retained earnings to average equity (ytd only) | 5.1712% | 2,808 |
| Net charge-offs to loans | 0.1446% | 1,120 |
| Credit loss provision to net charge-offs | 77.8436% | 2,531 |
| Earnings coverage of net charge-offs (x) | 9.0071% | 2,602 |
| Efficiency ratio | 73.7976% | 1,601 |
| Assets per employee ($millions) | 5.2782% | 2,252 |
| Cash dividends to net income (ytd only)* | 14.2369% | 3,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1036% | 3,011 |
| Loan loss allowance to noncurrent loans | 158.7871% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.9337% | 1,445 |
| Noncurrent loans to loans | 0.6950% | 2,217 |
| Net loans and leases to total assets | 75.4860% | 1,567 |
| Net loans and leases to deposits | 95.4087% | 1,083 |
| Net loans and leases to core deposits | 108.2361% | 1,040 |
| Total domestic deposits to total assets | 79.1186% | 4,162 |
| Equity capital to assets | 15.0666% | 834 |
| Core capital (leverage) ratio | 13.5819% | 1,105 |
| Tier 1 risk-based capital ratio | 15.0756% | 2,815 |
| Total risk-based capital ratio | 16.1350% | 2,833 |
| Memoranda: | ||
| Average total assets | $1,032,438,500 | 760 |
| Average earning assets | $935,005,250 | 769 |
| Average equity | $155,318,500 | 604 |
| Average total loans | $778,357,000 | 731 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9803% | 1,532 |
| Cost of funding earning assets | 1.4247% | 487 |
| Net interest margin | 3.5556% | 3,417 |
| Noninterest income to average assets | 0.4142% | 3,174 |
| Noninterest expense to average assets | 2.8917% | 2,302 |
| Loan and lease loss provision to assets | 0.0858% | 2,128 |
| Net operating income to assets | 0.6553% | 4,149 |
| Return on assets (ROA) | 0.6688% | 4,153 |
| Pretax return on assets | 0.6688% | 4,404 |
| Return on Equity (ROE) | 4.4482% | 4,481 |
| Retained earnings to average equity (ytd only) | 3.1457% | 3,648 |
| Net charge-offs to loans | 0.1792% | 915 |
| Credit loss provision to net charge-offs | 63.7555% | 2,376 |
| Earnings coverage of net charge-offs (x) | 5.5080% | 2,651 |
| Efficiency ratio | 79.1903% | 1,040 |
| Assets per employee ($millions) | 5.1920% | 2,262 |
| Cash dividends to net income (ytd only)* | 29.2826% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1359% | 2,867 |
| Loan loss allowance to noncurrent loans | 291.6612% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.7085% | 1,934 |
| Noncurrent loans to loans | 0.3894% | 3,132 |
| Net loans and leases to total assets | 74.7595% | 1,758 |
| Net loans and leases to deposits | 93.9645% | 1,266 |
| Net loans and leases to core deposits | 106.7693% | 1,194 |
| Total domestic deposits to total assets | 79.5614% | 4,127 |
| Equity capital to assets | 15.0701% | 790 |
| Core capital (leverage) ratio | 13.5511% | 1,091 |
| Tier 1 risk-based capital ratio | 15.1574% | 2,767 |
| Total risk-based capital ratio | 16.2443% | 2,764 |
| Memoranda: | ||
| Average total assets | $1,021,182,670 | 769 |
| Average earning assets | $924,394,330 | 777 |
| Average equity | $153,544,330 | 608 |
| Average total loans | $766,537,000 | 746 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9937% | 1,351 |
| Cost of funding earning assets | 1.3924% | 475 |
| Net interest margin | 3.6013% | 3,244 |
| Noninterest income to average assets | 0.3626% | 3,427 |
| Noninterest expense to average assets | 2.8363% | 2,455 |
| Loan and lease loss provision to assets | 0.0869% | 1,968 |
| Net operating income to assets | 0.6996% | 3,934 |
| Return on assets (ROA) | 0.6996% | 3,976 |
| Pretax return on assets | 0.6996% | 4,300 |
| Return on Equity (ROE) | 4.6583% | 4,421 |
| Retained earnings to average equity (ytd only) | 2.0280% | 4,059 |
| Net charge-offs to loans | 0.2039% | 684 |
| Credit loss provision to net charge-offs | 56.9948% | 1,928 |
| Earnings coverage of net charge-offs (x) | 5.1580% | 2,273 |
| Efficiency ratio | 77.8650% | 1,281 |
| Assets per employee ($millions) | 4.9709% | 2,559 |
| Cash dividends to net income (ytd only)* | 56.4653% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2038% | 2,554 |
| Loan loss allowance to noncurrent loans | 184.0900% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 0.6711% | 2,087 |
| Noncurrent loans to loans | 0.6539% | 2,382 |
| Net loans and leases to total assets | 73.5771% | 1,887 |
| Net loans and leases to deposits | 88.3034% | 1,835 |
| Net loans and leases to core deposits | 101.9309% | 1,471 |
| Total domestic deposits to total assets | 83.3231% | 3,275 |
| Equity capital to assets | 15.2502% | 700 |
| Core capital (leverage) ratio | 13.4825% | 1,094 |
| Tier 1 risk-based capital ratio | 15.4901% | 2,657 |
| Total risk-based capital ratio | 16.6245% | 2,630 |
| Memoranda: | ||
| Average total assets | $1,012,577,000 | 775 |
| Average earning assets | $916,671,500 | 785 |
| Average equity | $152,073,000 | 606 |
| Average total loans | $757,197,000 | 762 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7147% | 1,775 |
| Cost of funding earning assets | 0.9300% | 997 |
| Net interest margin | 3.7848% | 2,721 |
| Noninterest income to average assets | 0.4015% | 3,432 |
| Noninterest expense to average assets | 2.9332% | 2,233 |
| Loan and lease loss provision to assets | 0.1883% | 1,021 |
| Net operating income to assets | 0.6968% | 4,147 |
| Return on assets (ROA) | 0.6968% | 4,150 |
| Pretax return on assets | 0.6968% | 4,426 |
| Return on Equity (ROE) | 4.5866% | 4,565 |
| Retained earnings to average equity (ytd only) | 3.9087% | 3,432 |
| Net charge-offs to loans | 0.3520% | 537 |
| Credit loss provision to net charge-offs | 72.6550% | 2,957 |
| Earnings coverage of net charge-offs (x) | 3.4157% | 3,413 |
| Efficiency ratio | 76.3405% | 1,311 |
| Assets per employee ($millions) | 5.0051% | 2,496 |
| Cash dividends to net income (ytd only)* | 14.7798% | 3,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 2,589 |
| Loan loss allowance to noncurrent loans | 108.9613% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 1.0052% | 1,368 |
| Noncurrent loans to loans | 1.0976% | 1,476 |
| Net loans and leases to total assets | 74.1818% | 1,908 |
| Net loans and leases to deposits | 93.6970% | 1,315 |
| Net loans and leases to core deposits | 107.8919% | 1,122 |
| Total domestic deposits to total assets | 79.1720% | 4,275 |
| Equity capital to assets | 14.7905% | 763 |
| Core capital (leverage) ratio | 13.5303% | 1,067 |
| Tier 1 risk-based capital ratio | 15.1173% | 2,775 |
| Total risk-based capital ratio | 16.2500% | 2,758 |
| Memoranda: | ||
| Average total assets | $971,022,600 | 791 |
| Average earning assets | $876,593,800 | 805 |
| Average equity | $147,515,600 | 583 |
| Average total loans | $714,859,000 | 771 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6578% | 1,804 |
| Cost of funding earning assets | 0.8375% | 1,160 |
| Net interest margin | 3.8203% | 2,570 |
| Noninterest income to average assets | 0.3956% | 3,508 |
| Noninterest expense to average assets | 3.0236% | 1,943 |
| Loan and lease loss provision to assets | 0.0477% | 3,037 |
| Net operating income to assets | 0.7708% | 4,008 |
| Return on assets (ROA) | 0.7708% | 4,018 |
| Pretax return on assets | 0.7708% | 4,371 |
| Return on Equity (ROE) | 5.0381% | 4,545 |
| Retained earnings to average equity (ytd only) | 4.1288% | 3,708 |
| Net charge-offs to loans | 0.0862% | 1,644 |
| Credit loss provision to net charge-offs | 75.5507% | 2,575 |
| Earnings coverage of net charge-offs (x) | 12.9603% | 2,409 |
| Efficiency ratio | 78.2050% | 1,100 |
| Assets per employee ($millions) | 4.6631% | 2,893 |
| Cash dividends to net income (ytd only)* | 18.0473% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3838% | 1,764 |
| Loan loss allowance to noncurrent loans | 152.0755% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 0.8629% | 1,712 |
| Noncurrent loans to loans | 0.9099% | 1,882 |
| Net loans and leases to total assets | 72.2962% | 2,287 |
| Net loans and leases to deposits | 90.1139% | 1,880 |
| Net loans and leases to core deposits | 100.0310% | 1,794 |
| Total domestic deposits to total assets | 80.2275% | 4,062 |
| Equity capital to assets | 15.3739% | 644 |
| Core capital (leverage) ratio | 14.0393% | 929 |
| Tier 1 risk-based capital ratio | 16.1301% | 2,392 |
| Total risk-based capital ratio | 17.3805% | 2,340 |
| Memoranda: | ||
| Average total assets | $958,518,250 | 797 |
| Average earning assets | $864,734,000 | 815 |
| Average equity | $146,640,250 | 581 |
| Average total loans | $701,925,250 | 786 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6013% | 1,783 |
| Cost of funding earning assets | 0.8005% | 1,122 |
| Net interest margin | 3.8007% | 2,565 |
| Noninterest income to average assets | 0.4134% | 3,401 |
| Noninterest expense to average assets | 2.9738% | 2,123 |
| Loan and lease loss provision to assets | 0.0919% | 2,087 |
| Net operating income to assets | 0.7778% | 3,928 |
| Return on assets (ROA) | 0.7778% | 3,933 |
| Pretax return on assets | 0.7778% | 4,312 |
| Return on Equity (ROE) | 5.0925% | 4,527 |
| Retained earnings to average equity (ytd only) | 3.7254% | 3,738 |
| Net charge-offs to loans | 0.0445% | 1,976 |
| Credit loss provision to net charge-offs | 282.0513% | 1,054 |
| Earnings coverage of net charge-offs (x) | 26.6987% | 1,592 |
| Efficiency ratio | 76.8675% | 1,332 |
| Assets per employee ($millions) | 4.7217% | 2,792 |
| Cash dividends to net income (ytd only)* | 26.8456% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4512% | 1,553 |
| Loan loss allowance to noncurrent loans | 153.7528% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.9277% | 1,624 |
| Noncurrent loans to loans | 0.9439% | 1,844 |
| Net loans and leases to total assets | 72.5546% | 2,186 |
| Net loans and leases to deposits | 88.9992% | 1,982 |
| Net loans and leases to core deposits | 96.4752% | 2,016 |
| Total domestic deposits to total assets | 81.5227% | 3,863 |
| Equity capital to assets | 15.4707% | 597 |
| Core capital (leverage) ratio | 13.7988% | 965 |
| Tier 1 risk-based capital ratio | 16.0867% | 2,406 |
| Total risk-based capital ratio | 17.3380% | 2,344 |
| Memoranda: | ||
| Average total assets | $957,822,000 | 799 |
| Average earning assets | $864,415,000 | 820 |
| Average equity | $146,292,670 | 577 |
| Average total loans | $701,158,000 | 784 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5152% | 1,818 |
| Cost of funding earning assets | 0.7663% | 1,114 |
| Net interest margin | 3.7488% | 2,617 |
| Noninterest income to average assets | 0.4007% | 3,463 |
| Noninterest expense to average assets | 2.9029% | 2,360 |
| Loan and lease loss provision to assets | 0.0935% | 1,952 |
| Net operating income to assets | 0.7882% | 3,761 |
| Return on assets (ROA) | 0.7882% | 3,759 |
| Pretax return on assets | 0.7882% | 4,180 |
| Return on Equity (ROE) | 5.1936% | 4,423 |
| Retained earnings to average equity (ytd only) | 2.4544% | 4,190 |
| Net charge-offs to loans | 0.0399% | 1,737 |
| Credit loss provision to net charge-offs | 321.4286% | 780 |
| Earnings coverage of net charge-offs (x) | 30.3000% | 1,233 |
| Efficiency ratio | 76.1753% | 1,570 |
| Assets per employee ($millions) | 4.8589% | 2,665 |
| Cash dividends to net income (ytd only)* | 52.7426% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4474% | 1,673 |
| Loan loss allowance to noncurrent loans | 856.3730% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.3653% | 3,377 |
| Noncurrent loans to loans | 0.1690% | 4,220 |
| Net loans and leases to total assets | 71.2092% | 2,297 |
| Net loans and leases to deposits | 86.1077% | 2,154 |
| Net loans and leases to core deposits | 101.6968% | 1,559 |
| Total domestic deposits to total assets | 82.6978% | 3,759 |
| Equity capital to assets | 15.2161% | 620 |
| Core capital (leverage) ratio | 13.4971% | 1,012 |
| Tier 1 risk-based capital ratio | 15.9464% | 2,502 |
| Total risk-based capital ratio | 17.1976% | 2,439 |
| Memoranda: | ||
| Average total assets | $962,204,000 | 798 |
| Average earning assets | $868,539,000 | 817 |
| Average equity | $146,026,000 | 581 |
| Average total loans | $702,374,500 | 780 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7191% | 1,153 |
| Cost of funding earning assets | 0.6649% | 1,219 |
| Net interest margin | 4.0542% | 1,575 |
| Noninterest income to average assets | 0.3320% | 4,097 |
| Noninterest expense to average assets | 2.9301% | 2,350 |
| Loan and lease loss provision to assets | 0.0299% | 3,680 |
| Net operating income to assets | 1.0199% | 2,154 |
| Return on assets (ROA) | 1.0199% | 2,189 |
| Pretax return on assets | 1.0199% | 3,494 |
| Return on Equity (ROE) | 6.8170% | 3,367 |
| Retained earnings to average equity (ytd only) | 6.8170% | 1,152 |
| Net charge-offs to loans | 0.1236% | 1,816 |
| Credit loss provision to net charge-offs | 33.1010% | 3,510 |
| Earnings coverage of net charge-offs (x) | 11.6249% | 2,551 |
| Efficiency ratio | 73.0663% | 2,052 |
| Assets per employee ($millions) | 4.8848% | 2,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3821% | 1,832 |
| Loan loss allowance to noncurrent loans | 671.8473% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.3866% | 3,315 |
| Noncurrent loans to loans | 0.2057% | 4,089 |
| Net loans and leases to total assets | 72.7111% | 2,130 |
| Net loans and leases to deposits | 93.4482% | 1,334 |
| Net loans and leases to core deposits | 104.3046% | 1,392 |
| Total domestic deposits to total assets | 77.8090% | 4,746 |
| Equity capital to assets | 15.1367% | 652 |
| Core capital (leverage) ratio | 13.3383% | 1,025 |
| Tier 1 risk-based capital ratio | 15.6308% | 2,570 |
| Total risk-based capital ratio | 16.8815% | 2,510 |
| Memoranda: | ||
| Average total assets | $953,410,000 | 777 |
| Average earning assets | $857,879,200 | 798 |
| Average equity | $142,644,200 | 568 |
| Average total loans | $696,546,800 | 751 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7486% | 1,034 |
| Cost of funding earning assets | 0.6374% | 1,320 |
| Net interest margin | 4.1111% | 1,366 |
| Noninterest income to average assets | 0.2650% | 4,614 |
| Noninterest expense to average assets | 2.9276% | 2,314 |
| Loan and lease loss provision to assets | 0.0445% | 3,208 |
| Net operating income to assets | 0.9899% | 2,600 |
| Return on assets (ROA) | 0.9899% | 2,658 |
| Pretax return on assets | 0.9899% | 3,725 |
| Return on Equity (ROE) | 6.6362% | 3,846 |
| Retained earnings to average equity (ytd only) | 6.6362% | 1,887 |
| Net charge-offs to loans | 0.1949% | 1,091 |
| Credit loss provision to net charge-offs | 31.3241% | 3,072 |
| Earnings coverage of net charge-offs (x) | 7.2826% | 2,895 |
| Efficiency ratio | 73.3218% | 1,998 |
| Assets per employee ($millions) | 5.0593% | 2,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3585% | 2,086 |
| Loan loss allowance to noncurrent loans | 421.8804% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.5707% | 2,814 |
| Noncurrent loans to loans | 0.3220% | 3,795 |
| Net loans and leases to total assets | 72.4068% | 2,201 |
| Net loans and leases to deposits | 90.6220% | 1,735 |
| Net loans and leases to core deposits | 101.2781% | 1,602 |
| Total domestic deposits to total assets | 79.8997% | 4,333 |
| Equity capital to assets | 14.8283% | 769 |
| Core capital (leverage) ratio | 13.0157% | 1,200 |
| Tier 1 risk-based capital ratio | 15.3107% | 2,788 |
| Total risk-based capital ratio | 16.5612% | 2,727 |
| Memoranda: | ||
| Average total assets | $949,962,500 | 784 |
| Average earning assets | $854,273,500 | 807 |
| Average equity | $141,704,750 | 577 |
| Average total loans | $692,404,000 | 756 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9014% | 692 |
| Cost of funding earning assets | 0.5994% | 1,452 |
| Net interest margin | 4.3020% | 856 |
| Noninterest income to average assets | 0.4767% | 3,170 |
| Noninterest expense to average assets | 3.0478% | 1,983 |
| Loan and lease loss provision to assets | 0.0387% | 3,238 |
| Net operating income to assets | 1.2538% | 1,426 |
| Return on assets (ROA) | 1.2538% | 1,449 |
| Pretax return on assets | 1.2538% | 2,565 |
| Return on Equity (ROE) | 8.3881% | 2,834 |
| Retained earnings to average equity (ytd only) | 8.3881% | 1,038 |
| Net charge-offs to loans | 0.1853% | 1,072 |
| Credit loss provision to net charge-offs | 28.7066% | 2,733 |
| Earnings coverage of net charge-offs (x) | 9.5931% | 2,419 |
| Efficiency ratio | 69.6827% | 2,725 |
| Assets per employee ($millions) | 5.0583% | 2,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4367% | 1,791 |
| Loan loss allowance to noncurrent loans | 243.8309% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.8526% | 2,077 |
| Noncurrent loans to loans | 0.5892% | 2,962 |
| Net loans and leases to total assets | 70.8671% | 2,397 |
| Net loans and leases to deposits | 90.1032% | 1,712 |
| Net loans and leases to core deposits | 99.0994% | 1,719 |
| Total domestic deposits to total assets | 78.6510% | 4,697 |
| Equity capital to assets | 14.8509% | 726 |
| Core capital (leverage) ratio | 13.3346% | 1,041 |
| Tier 1 risk-based capital ratio | 15.4772% | 2,715 |
| Total risk-based capital ratio | 16.7284% | 2,649 |
| Memoranda: | ||
| Average total assets | $941,133,330 | 800 |
| Average earning assets | $845,236,330 | 825 |
| Average equity | $140,676,000 | 581 |
| Average total loans | $684,287,670 | 767 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5835% | 205 |
| Cost of funding earning assets | 0.5668% | 1,609 |
| Net interest margin | 5.0167% | 224 |
| Noninterest income to average assets | 0.4712% | 3,182 |
| Noninterest expense to average assets | 3.1267% | 1,797 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.8436% | 415 |
| Return on assets (ROA) | 1.8436% | 428 |
| Pretax return on assets | 1.8436% | 731 |
| Return on Equity (ROE) | 12.2923% | 1,165 |
| Retained earnings to average equity (ytd only) | 12.2923% | 446 |
| Net charge-offs to loans | 0.0560% | 1,771 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 45.0526% | 952 |
| Efficiency ratio | 62.4231% | 4,090 |
| Assets per employee ($millions) | 4.9810% | 2,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5567% | 1,492 |
| Loan loss allowance to noncurrent loans | 190.8604% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 1.0797% | 1,655 |
| Noncurrent loans to loans | 0.8156% | 2,410 |
| Net loans and leases to total assets | 71.3228% | 2,166 |
| Net loans and leases to deposits | 89.7649% | 1,566 |
| Net loans and leases to core deposits | 99.8014% | 1,516 |
| Total domestic deposits to total assets | 79.4551% | 4,722 |
| Equity capital to assets | 15.4518% | 568 |
| Core capital (leverage) ratio | 13.4927% | 979 |
| Tier 1 risk-based capital ratio | 15.9630% | 2,563 |
| Total risk-based capital ratio | 17.2157% | 2,515 |
| Memoranda: | ||
| Average total assets | $928,635,000 | 808 |
| Average earning assets | $832,813,500 | 841 |
| Average equity | $139,274,500 | 580 |
| Average total loans | $679,107,500 | 770 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1618% | 2,618 |
| Cost of funding earning assets | 0.4730% | 2,326 |
| Net interest margin | 3.6888% | 2,748 |
| Noninterest income to average assets | 0.5286% | 3,038 |
| Noninterest expense to average assets | 3.0456% | 2,199 |
| Loan and lease loss provision to assets | 0.0520% | 3,346 |
| Net operating income to assets | 0.7394% | 3,593 |
| Return on assets (ROA) | 0.7643% | 3,579 |
| Pretax return on assets | 0.7643% | 4,288 |
| Return on Equity (ROE) | 5.2153% | 4,324 |
| Retained earnings to average equity (ytd only) | 5.2153% | 2,195 |
| Net charge-offs to loans | 0.0356% | 3,312 |
| Credit loss provision to net charge-offs | 204.7009% | 1,379 |
| Earnings coverage of net charge-offs (x) | 31.1667% | 1,396 |
| Efficiency ratio | 78.6844% | 1,592 |
| Assets per employee ($millions) | 5.0579% | 2,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5027% | 1,654 |
| Loan loss allowance to noncurrent loans | 108.6893% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 1.4570% | 1,162 |
| Noncurrent loans to loans | 1.3826% | 1,477 |
| Net loans and leases to total assets | 72.6822% | 2,067 |
| Net loans and leases to deposits | 92.7768% | 1,331 |
| Net loans and leases to core deposits | 103.0510% | 1,353 |
| Total domestic deposits to total assets | 78.3409% | 4,926 |
| Equity capital to assets | 14.5555% | 716 |
| Core capital (leverage) ratio | 12.6865% | 1,259 |
| Tier 1 risk-based capital ratio | 14.8208% | 3,041 |
| Total risk-based capital ratio | 16.0729% | 2,987 |
| Memoranda: | ||
| Average total assets | $921,525,400 | 780 |
| Average earning assets | $826,494,800 | 804 |
| Average equity | $135,046,200 | 586 |
| Average total loans | $657,697,400 | 756 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8871% | 3,632 |
| Cost of funding earning assets | 0.4505% | 2,558 |
| Net interest margin | 3.4367% | 3,718 |
| Noninterest income to average assets | 0.5505% | 2,915 |
| Noninterest expense to average assets | 3.1094% | 2,004 |
| Loan and lease loss provision to assets | 0.0058% | 4,111 |
| Net operating income to assets | 0.5166% | 4,637 |
| Return on assets (ROA) | 0.5464% | 4,618 |
| Pretax return on assets | 0.5464% | 5,015 |
| Return on Equity (ROE) | 3.7223% | 5,020 |
| Retained earnings to average equity (ytd only) | 3.7223% | 3,659 |
| Net charge-offs to loans | 0.0372% | 2,883 |
| Credit loss provision to net charge-offs | 22.0994% | 3,280 |
| Earnings coverage of net charge-offs (x) | 19.8451% | 1,912 |
| Efficiency ratio | 84.8704% | 916 |
| Assets per employee ($millions) | 4.9969% | 2,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4942% | 1,782 |
| Loan loss allowance to noncurrent loans | 186.3131% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 1.0968% | 1,857 |
| Noncurrent loans to loans | 0.8020% | 2,662 |
| Net loans and leases to total assets | 71.2583% | 2,305 |
| Net loans and leases to deposits | 91.6240% | 1,548 |
| Net loans and leases to core deposits | 98.0058% | 1,815 |
| Total domestic deposits to total assets | 77.7725% | 4,953 |
| Equity capital to assets | 14.7615% | 797 |
| Core capital (leverage) ratio | 12.7989% | 1,268 |
| Tier 1 risk-based capital ratio | 15.2082% | 2,953 |
| Total risk-based capital ratio | 16.4605% | 2,891 |
| Memoranda: | ||
| Average total assets | $916,716,500 | 786 |
| Average earning assets | $821,939,250 | 808 |
| Average equity | $134,574,750 | 591 |
| Average total loans | $648,572,250 | 768 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8512% | 3,772 |
| Cost of funding earning assets | 0.4311% | 2,727 |
| Net interest margin | 3.4201% | 3,805 |
| Noninterest income to average assets | 0.3897% | 3,955 |
| Noninterest expense to average assets | 3.0015% | 2,339 |
| Loan and lease loss provision to assets | 0.0296% | 3,539 |
| Net operating income to assets | 0.4261% | 4,954 |
| Return on assets (ROA) | 0.4270% | 5,040 |
| Pretax return on assets | 0.4270% | 5,290 |
| Return on Equity (ROE) | 2.9140% | 5,265 |
| Retained earnings to average equity (ytd only) | 2.9140% | 4,058 |
| Net charge-offs to loans | 0.0190% | 3,117 |
| Credit loss provision to net charge-offs | 221.3115% | 1,214 |
| Earnings coverage of net charge-offs (x) | 34.0820% | 1,286 |
| Efficiency ratio | 86.0204% | 879 |
| Assets per employee ($millions) | 5.0041% | 2,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5452% | 1,696 |
| Loan loss allowance to noncurrent loans | 150.4987% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 1.2554% | 1,631 |
| Noncurrent loans to loans | 1.0268% | 2,235 |
| Net loans and leases to total assets | 70.2408% | 2,442 |
| Net loans and leases to deposits | 91.8089% | 1,537 |
| Net loans and leases to core deposits | 97.6362% | 1,840 |
| Total domestic deposits to total assets | 76.5076% | 5,220 |
| Equity capital to assets | 14.5934% | 847 |
| Core capital (leverage) ratio | 12.8859% | 1,195 |
| Tier 1 risk-based capital ratio | 15.1054% | 3,032 |
| Total risk-based capital ratio | 16.3582% | 2,959 |
| Memoranda: | ||
| Average total assets | $912,481,330 | 788 |
| Average earning assets | $818,397,670 | 810 |
| Average equity | $133,700,670 | 595 |
| Average total loans | $640,651,000 | 775 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8801% | 3,661 |
| Cost of funding earning assets | 0.4279% | 2,785 |
| Net interest margin | 3.4522% | 3,658 |
| Noninterest income to average assets | 0.3618% | 4,138 |
| Noninterest expense to average assets | 2.9615% | 2,509 |
| Loan and lease loss provision to assets | 0.0376% | 3,154 |
| Net operating income to assets | 0.4601% | 4,781 |
| Return on assets (ROA) | 0.4618% | 4,860 |
| Pretax return on assets | 0.4618% | 5,178 |
| Return on Equity (ROE) | 3.1455% | 5,187 |
| Retained earnings to average equity (ytd only) | 3.1455% | 3,946 |
| Net charge-offs to loans | 0.0998% | 1,527 |
| Credit loss provision to net charge-offs | 54.1401% | 2,019 |
| Earnings coverage of net charge-offs (x) | 7.1592% | 2,167 |
| Efficiency ratio | 84.7926% | 1,086 |
| Assets per employee ($millions) | 4.8214% | 2,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6267% | 1,536 |
| Loan loss allowance to noncurrent loans | 182.3180% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 1.2577% | 1,726 |
| Noncurrent loans to loans | 0.8922% | 2,615 |
| Net loans and leases to total assets | 68.2111% | 2,617 |
| Net loans and leases to deposits | 85.0839% | 2,184 |
| Net loans and leases to core deposits | 90.5565% | 2,317 |
| Total domestic deposits to total assets | 80.1692% | 4,706 |
| Equity capital to assets | 14.9619% | 702 |
| Core capital (leverage) ratio | 12.7277% | 1,261 |
| Tier 1 risk-based capital ratio | 15.5663% | 2,879 |
| Total risk-based capital ratio | 16.8195% | 2,810 |
| Memoranda: | ||
| Average total assets | $903,340,500 | 801 |
| Average earning assets | $810,496,000 | 820 |
| Average equity | $132,636,000 | 599 |
| Average total loans | $628,958,500 | 785 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2426% | 2,412 |
| Cost of funding earning assets | 0.4168% | 2,980 |
| Net interest margin | 3.8258% | 2,283 |
| Noninterest income to average assets | 0.6449% | 2,489 |
| Noninterest expense to average assets | 3.2990% | 1,722 |
| Loan and lease loss provision to assets | 0.3057% | 555 |
| Net operating income to assets | 0.4955% | 4,707 |
| Return on assets (ROA) | 0.4955% | 4,803 |
| Pretax return on assets | 0.4955% | 5,122 |
| Return on Equity (ROE) | 3.8231% | 5,020 |
| Retained earnings to average equity (ytd only) | 3.8231% | 3,318 |
| Net charge-offs to loans | 0.1816% | 1,587 |
| Credit loss provision to net charge-offs | 254.4008% | 1,132 |
| Earnings coverage of net charge-offs (x) | 6.6670% | 3,188 |
| Efficiency ratio | 80.0417% | 1,668 |
| Assets per employee ($millions) | 5.0270% | 2,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6015% | 1,610 |
| Loan loss allowance to noncurrent loans | 191.5930% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 1.2229% | 1,769 |
| Noncurrent loans to loans | 0.8359% | 2,696 |
| Net loans and leases to total assets | 68.7889% | 2,576 |
| Net loans and leases to deposits | 86.6228% | 2,047 |
| Net loans and leases to core deposits | 92.0094% | 2,220 |
| Total domestic deposits to total assets | 79.4121% | 4,882 |
| Equity capital to assets | 14.4078% | 797 |
| Core capital (leverage) ratio | 12.5155% | 1,342 |
| Tier 1 risk-based capital ratio | 15.0482% | 3,159 |
| Total risk-based capital ratio | 16.3010% | 3,085 |
| Memoranda: | ||
| Average total assets | $784,628,200 | 881 |
| Average earning assets | $708,669,200 | 899 |
| Average equity | $101,698,600 | 757 |
| Average total loans | $519,368,400 | 901 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1882% | 2,620 |
| Cost of funding earning assets | 0.4273% | 2,936 |
| Net interest margin | 3.7608% | 2,524 |
| Noninterest income to average assets | 0.5581% | 2,998 |
| Noninterest expense to average assets | 3.3687% | 1,536 |
| Loan and lease loss provision to assets | 0.2113% | 922 |
| Net operating income to assets | 0.3770% | 5,241 |
| Return on assets (ROA) | 0.3770% | 5,323 |
| Pretax return on assets | 0.3770% | 5,507 |
| Return on Equity (ROE) | 3.0100% | 5,386 |
| Retained earnings to average equity (ytd only) | 3.0100% | 4,302 |
| Net charge-offs to loans | 0.2747% | 972 |
| Credit loss provision to net charge-offs | 118.2178% | 2,012 |
| Earnings coverage of net charge-offs (x) | 3.2911% | 3,524 |
| Efficiency ratio | 84.8280% | 1,095 |
| Assets per employee ($millions) | 4.9656% | 2,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4424% | 2,400 |
| Loan loss allowance to noncurrent loans | 153.8395% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 1.1667% | 2,031 |
| Noncurrent loans to loans | 0.9376% | 2,626 |
| Net loans and leases to total assets | 66.6694% | 2,902 |
| Net loans and leases to deposits | 79.9121% | 2,896 |
| Net loans and leases to core deposits | 85.9117% | 2,861 |
| Total domestic deposits to total assets | 83.4284% | 3,640 |
| Equity capital to assets | 14.3420% | 905 |
| Core capital (leverage) ratio | 12.0685% | 1,641 |
| Tier 1 risk-based capital ratio | 16.0575% | 2,770 |
| Total risk-based capital ratio | 17.3094% | 2,722 |
| Memoranda: | ||
| Average total assets | $753,312,250 | 925 |
| Average earning assets | $680,822,500 | 947 |
| Average equity | $94,349,500 | 814 |
| Average total loans | $490,187,500 | 961 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1943% | 2,555 |
| Cost of funding earning assets | 0.4395% | 2,847 |
| Net interest margin | 3.7548% | 2,501 |
| Noninterest income to average assets | 0.6533% | 2,458 |
| Noninterest expense to average assets | 3.6745% | 1,021 |
| Loan and lease loss provision to assets | 0.1486% | 1,445 |
| Net operating income to assets | 0.2235% | 5,637 |
| Return on assets (ROA) | 0.2235% | 5,710 |
| Pretax return on assets | 0.2235% | 5,778 |
| Return on Equity (ROE) | 1.9045% | 5,702 |
| Retained earnings to average equity (ytd only) | 1.9045% | 4,745 |
| Net charge-offs to loans | 0.2847% | 925 |
| Credit loss provision to net charge-offs | 81.6327% | 2,308 |
| Earnings coverage of net charge-offs (x) | 2.0440% | 3,414 |
| Efficiency ratio | 90.8051% | 698 |
| Assets per employee ($millions) | 4.6720% | 2,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9003% | 1,162 |
| Loan loss allowance to noncurrent loans | 118.8958% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 2.1849% | 965 |
| Noncurrent loans to loans | 1.5983% | 1,641 |
| Net loans and leases to total assets | 60.6247% | 3,737 |
| Net loans and leases to deposits | 70.2794% | 3,900 |
| Net loans and leases to core deposits | 74.3724% | 3,925 |
| Total domestic deposits to total assets | 86.2624% | 2,551 |
| Equity capital to assets | 11.1848% | 2,684 |
| Core capital (leverage) ratio | 11.3693% | 2,102 |
| Tier 1 risk-based capital ratio | 15.6560% | 3,018 |
| Total risk-based capital ratio | 16.9129% | 2,973 |
| Memoranda: | ||
| Average total assets | $699,857,670 | 1,000 |
| Average earning assets | $632,471,670 | 1,011 |
| Average equity | $82,119,670 | 937 |
| Average total loans | $447,564,330 | 1,036 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7902% | 880 |
| Cost of funding earning assets | 0.4524% | 2,745 |
| Net interest margin | 4.3378% | 813 |
| Noninterest income to average assets | 0.5030% | 3,265 |
| Noninterest expense to average assets | 4.0115% | 682 |
| Loan and lease loss provision to assets | 0.0843% | 2,290 |
| Net operating income to assets | 0.3039% | 5,398 |
| Return on assets (ROA) | 0.3039% | 5,501 |
| Pretax return on assets | 0.3039% | 5,643 |
| Return on Equity (ROE) | 2.5268% | 5,532 |
| Retained earnings to average equity (ytd only) | 2.5268% | 4,424 |
| Net charge-offs to loans | 0.3094% | 765 |
| Credit loss provision to net charge-offs | 41.8605% | 2,175 |
| Earnings coverage of net charge-offs (x) | 1.9273% | 2,847 |
| Efficiency ratio | 91.1753% | 765 |
| Assets per employee ($millions) | 4.3854% | 3,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9164% | 1,249 |
| Loan loss allowance to noncurrent loans | 98.1364% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 3.4777% | 479 |
| Noncurrent loans to loans | 1.9528% | 1,358 |
| Net loans and leases to total assets | 63.8223% | 3,116 |
| Net loans and leases to deposits | 74.9116% | 3,170 |
| Net loans and leases to core deposits | 79.3965% | 3,235 |
| Total domestic deposits to total assets | 85.1968% | 3,313 |
| Equity capital to assets | 12.1160% | 1,948 |
| Core capital (leverage) ratio | 11.4618% | 2,031 |
| Tier 1 risk-based capital ratio | 16.2532% | 2,799 |
| Total risk-based capital ratio | 17.5106% | 2,740 |
| Memoranda: | ||
| Average total assets | $683,034,000 | 1,021 |
| Average earning assets | $613,587,500 | 1,040 |
| Average equity | $82,159,000 | 931 |
| Average total loans | $444,697,000 | 1,041 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0667% | 681 |
| Cost of funding earning assets | 0.4990% | 2,688 |
| Net interest margin | 4.5677% | 661 |
| Noninterest income to average assets | 0.4329% | 3,946 |
| Noninterest expense to average assets | 4.0331% | 727 |
| Loan and lease loss provision to assets | 0.4023% | 438 |
| Net operating income to assets | 0.0354% | 6,049 |
| Return on assets (ROA) | 0.0354% | 6,072 |
| Pretax return on assets | 0.0354% | 6,057 |
| Return on Equity (ROE) | 0.2967% | 6,072 |
| Retained earnings to average equity (ytd only) | 0.2967% | 5,645 |
| Net charge-offs to loans | 0.9447% | 333 |
| Credit loss provision to net charge-offs | 67.5958% | 3,120 |
| Earnings coverage of net charge-offs (x) | 0.7354% | 4,576 |
| Efficiency ratio | 90.1892% | 832 |
| Assets per employee ($millions) | 4.2095% | 3,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9654% | 1,171 |
| Loan loss allowance to noncurrent loans | 52.1191% | 5,036 |
| Noncurrent assets plus other real estate owned to assets | 4.5530% | 334 |
| Noncurrent loans to loans | 3.7710% | 519 |
| Net loans and leases to total assets | 63.8628% | 3,246 |
| Net loans and leases to deposits | 75.5966% | 3,245 |
| Net loans and leases to core deposits | 80.2442% | 3,272 |
| Total domestic deposits to total assets | 84.4784% | 3,517 |
| Equity capital to assets | 11.9408% | 2,054 |
| Core capital (leverage) ratio | 11.4633% | 1,999 |
| Tier 1 risk-based capital ratio | 17.2533% | 2,399 |
| Total risk-based capital ratio | 18.5127% | 2,356 |
| Memoranda: | ||
| Average total assets | $675,059,200 | 989 |
| Average earning assets | $596,778,600 | 1,029 |
| Average equity | $80,549,600 | 915 |
| Average total loans | $425,323,400 | 1,032 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4350% | 350 |
| Cost of funding earning assets | 0.5073% | 2,686 |
| Net interest margin | 4.9277% | 337 |
| Noninterest income to average assets | 0.4194% | 4,102 |
| Noninterest expense to average assets | 4.4278% | 497 |
| Loan and lease loss provision to assets | 0.3612% | 484 |
| Net operating income to assets | -0.0285% | 6,163 |
| Return on assets (ROA) | -0.0285% | 6,177 |
| Pretax return on assets | -0.0285% | 6,163 |
| Return on Equity (ROE) | -0.2390% | 6,174 |
| Retained earnings to average equity (ytd only) | -0.2390% | 5,841 |
| Net charge-offs to loans | 0.6844% | 514 |
| Credit loss provision to net charge-offs | 84.4836% | 2,514 |
| Earnings coverage of net charge-offs (x) | 0.7781% | 4,318 |
| Efficiency ratio | 92.9870% | 648 |
| Assets per employee ($millions) | 4.1969% | 3,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2210% | 916 |
| Loan loss allowance to noncurrent loans | 66.0177% | 4,609 |
| Noncurrent assets plus other real estate owned to assets | 4.4528% | 412 |
| Noncurrent loans to loans | 3.3643% | 733 |
| Net loans and leases to total assets | 62.7971% | 3,375 |
| Net loans and leases to deposits | 73.5319% | 3,491 |
| Net loans and leases to core deposits | 78.0482% | 3,531 |
| Total domestic deposits to total assets | 85.4012% | 3,158 |
| Equity capital to assets | 11.7923% | 2,223 |
| Core capital (leverage) ratio | 11.5239% | 2,044 |
| Tier 1 risk-based capital ratio | 17.6520% | 2,334 |
| Total risk-based capital ratio | 18.9148% | 2,289 |
| Memoranda: | ||
| Average total assets | $673,339,000 | 1,000 |
| Average earning assets | $593,172,250 | 1,040 |
| Average equity | $80,329,750 | 912 |
| Average total loans | $420,595,000 | 1,041 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0811% | 138 |
| Cost of funding earning assets | 0.5197% | 2,640 |
| Net interest margin | 5.5614% | 122 |
| Noninterest income to average assets | 0.3996% | 4,248 |
| Noninterest expense to average assets | 4.6502% | 402 |
| Loan and lease loss provision to assets | 0.4687% | 331 |
| Net operating income to assets | 0.1535% | 5,947 |
| Return on assets (ROA) | 0.1535% | 5,980 |
| Pretax return on assets | 0.1535% | 6,021 |
| Return on Equity (ROE) | 1.2814% | 5,995 |
| Retained earnings to average equity (ytd only) | 1.2814% | 5,234 |
| Net charge-offs to loans | 0.4527% | 895 |
| Credit loss provision to net charge-offs | 167.3404% | 1,346 |
| Earnings coverage of net charge-offs (x) | 2.2213% | 3,602 |
| Efficiency ratio | 88.1648% | 1,075 |
| Assets per employee ($millions) | 4.2370% | 3,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4907% | 720 |
| Loan loss allowance to noncurrent loans | 58.2778% | 4,873 |
| Noncurrent assets plus other real estate owned to assets | 5.2187% | 333 |
| Noncurrent loans to loans | 4.2739% | 527 |
| Net loans and leases to total assets | 61.2124% | 3,538 |
| Net loans and leases to deposits | 71.6663% | 3,616 |
| Net loans and leases to core deposits | 75.3970% | 3,689 |
| Total domestic deposits to total assets | 85.4132% | 3,322 |
| Equity capital to assets | 11.9283% | 2,040 |
| Core capital (leverage) ratio | 11.5568% | 1,959 |
| Tier 1 risk-based capital ratio | 17.9587% | 2,260 |
| Total risk-based capital ratio | 19.2243% | 2,219 |
| Memoranda: | ||
| Average total assets | $671,155,000 | 1,005 |
| Average earning assets | $588,052,670 | 1,049 |
| Average equity | $80,381,330 | 908 |
| Average total loans | $415,243,330 | 1,050 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2506% | 38 |
| Cost of funding earning assets | 0.5320% | 2,582 |
| Net interest margin | 7.7186% | 36 |
| Noninterest income to average assets | 0.3593% | 4,514 |
| Noninterest expense to average assets | 5.5542% | 232 |
| Loan and lease loss provision to assets | 0.6292% | 207 |
| Net operating income to assets | 0.8803% | 2,740 |
| Return on assets (ROA) | 0.8803% | 2,808 |
| Pretax return on assets | 0.8803% | 3,778 |
| Return on Equity (ROE) | 7.3354% | 3,292 |
| Retained earnings to average equity (ytd only) | 7.3354% | 1,888 |
| Net charge-offs to loans | 0.0206% | 3,168 |
| Credit loss provision to net charge-offs | 4,985.7143% | 77 |
| Earnings coverage of net charge-offs (x) | 119.6190% | 401 |
| Efficiency ratio | 78.5793% | 2,397 |
| Assets per employee ($millions) | 4.2039% | 3,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6664% | 662 |
| Loan loss allowance to noncurrent loans | 51.2394% | 5,153 |
| Noncurrent assets plus other real estate owned to assets | 7.2766% | 203 |
| Noncurrent loans to loans | 5.2037% | 410 |
| Net loans and leases to total assets | 59.6464% | 3,615 |
| Net loans and leases to deposits | 69.8397% | 3,623 |
| Net loans and leases to core deposits | 73.7598% | 3,672 |
| Total domestic deposits to total assets | 85.4048% | 3,670 |
| Equity capital to assets | 11.9650% | 1,893 |
| Core capital (leverage) ratio | 11.8270% | 1,749 |
| Tier 1 risk-based capital ratio | 18.9006% | 1,991 |
| Total risk-based capital ratio | 20.1685% | 1,952 |
| Memoranda: | ||
| Average total assets | $665,654,000 | 1,027 |
| Average earning assets | $578,189,000 | 1,072 |
| Average equity | $79,887,000 | 917 |
| Average total loans | $408,749,500 | 1,070 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6793% | 274 |
| Cost of funding earning assets | 0.5664% | 2,963 |
| Net interest margin | 5.1129% | 249 |
| Noninterest income to average assets | 0.4152% | 4,341 |
| Noninterest expense to average assets | 4.6742% | 455 |
| Loan and lease loss provision to assets | 0.4493% | 643 |
| Net operating income to assets | -0.3343% | 6,434 |
| Return on assets (ROA) | -0.3343% | 6,449 |
| Pretax return on assets | -0.3343% | 6,428 |
| Return on Equity (ROE) | -2.7241% | 6,415 |
| Retained earnings to average equity (ytd only) | -2.7241% | 6,246 |
| Net charge-offs to loans | 1.2649% | 412 |
| Credit loss provision to net charge-offs | 63.1300% | 3,472 |
| Earnings coverage of net charge-offs (x) | 0.1616% | 5,026 |
| Efficiency ratio | 93.2595% | 791 |
| Assets per employee ($millions) | 4.0905% | 3,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4912% | 833 |
| Loan loss allowance to noncurrent loans | 47.2965% | 5,366 |
| Noncurrent assets plus other real estate owned to assets | 7.5351% | 216 |
| Noncurrent loans to loans | 5.2672% | 448 |
| Net loans and leases to total assets | 60.0023% | 3,722 |
| Net loans and leases to deposits | 70.3677% | 3,735 |
| Net loans and leases to core deposits | 74.3451% | 3,806 |
| Total domestic deposits to total assets | 85.2697% | 3,611 |
| Equity capital to assets | 12.0388% | 1,778 |
| Core capital (leverage) ratio | 11.7200% | 1,812 |
| Tier 1 risk-based capital ratio | 19.4018% | 1,821 |
| Total risk-based capital ratio | 20.6683% | 1,775 |
| Memoranda: | ||
| Average total assets | $663,529,600 | 1,006 |
| Average earning assets | $567,642,400 | 1,070 |
| Average equity | $81,420,400 | 878 |
| Average total loans | $373,323,600 | 1,141 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9705% | 190 |
| Cost of funding earning assets | 0.5724% | 3,067 |
| Net interest margin | 5.3981% | 158 |
| Noninterest income to average assets | 0.3284% | 5,062 |
| Noninterest expense to average assets | 4.6532% | 458 |
| Loan and lease loss provision to assets | 0.6661% | 329 |
| Net operating income to assets | -0.3831% | 6,560 |
| Return on assets (ROA) | -0.3831% | 6,571 |
| Pretax return on assets | -0.3831% | 6,554 |
| Return on Equity (ROE) | -3.1076% | 6,527 |
| Retained earnings to average equity (ytd only) | -3.1076% | 6,363 |
| Net charge-offs to loans | 1.6664% | 256 |
| Credit loss provision to net charge-offs | 72.7153% | 3,011 |
| Earnings coverage of net charge-offs (x) | 0.3089% | 4,761 |
| Efficiency ratio | 90.2795% | 969 |
| Assets per employee ($millions) | 4.1275% | 3,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9184% | 607 |
| Loan loss allowance to noncurrent loans | 52.2693% | 5,130 |
| Noncurrent assets plus other real estate owned to assets | 7.7261% | 243 |
| Noncurrent loans to loans | 5.5835% | 485 |
| Net loans and leases to total assets | 52.3655% | 4,829 |
| Net loans and leases to deposits | 61.3112% | 4,829 |
| Net loans and leases to core deposits | 64.5652% | 4,838 |
| Total domestic deposits to total assets | 85.4093% | 3,538 |
| Equity capital to assets | 11.9125% | 1,975 |
| Core capital (leverage) ratio | 11.7685% | 1,841 |
| Tier 1 risk-based capital ratio | 21.9171% | 1,333 |
| Total risk-based capital ratio | 23.1901% | 1,315 |
| Memoranda: | ||
| Average total assets | $665,791,250 | 1,007 |
| Average earning assets | $568,310,250 | 1,080 |
| Average equity | $82,077,500 | 870 |
| Average total loans | $365,970,000 | 1,171 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3391% | 115 |
| Cost of funding earning assets | 0.5894% | 3,043 |
| Net interest margin | 5.7497% | 102 |
| Noninterest income to average assets | 0.2716% | 5,511 |
| Noninterest expense to average assets | 4.7901% | 419 |
| Loan and lease loss provision to assets | 0.6805% | 348 |
| Net operating income to assets | -0.2948% | 6,546 |
| Return on assets (ROA) | -0.2948% | 6,579 |
| Pretax return on assets | -0.2948% | 6,552 |
| Return on Equity (ROE) | -2.3647% | 6,542 |
| Retained earnings to average equity (ytd only) | -2.3647% | 6,231 |
| Net charge-offs to loans | 2.0645% | 216 |
| Credit loss provision to net charge-offs | 59.5890% | 3,029 |
| Earnings coverage of net charge-offs (x) | 0.3377% | 4,429 |
| Efficiency ratio | 88.8463% | 1,143 |
| Assets per employee ($millions) | 4.4690% | 2,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8236% | 690 |
| Loan loss allowance to noncurrent loans | 34.5130% | 5,866 |
| Noncurrent assets plus other real estate owned to assets | 9.2751% | 175 |
| Noncurrent loans to loans | 8.1813% | 246 |
| Net loans and leases to total assets | 53.2822% | 4,699 |
| Net loans and leases to deposits | 62.5479% | 4,677 |
| Net loans and leases to core deposits | 65.9301% | 4,697 |
| Total domestic deposits to total assets | 85.1862% | 3,804 |
| Equity capital to assets | 12.1846% | 1,782 |
| Core capital (leverage) ratio | 11.7625% | 1,756 |
| Tier 1 risk-based capital ratio | 22.8349% | 1,160 |
| Total risk-based capital ratio | 24.1077% | 1,142 |
| Memoranda: | ||
| Average total assets | $664,835,670 | 1,005 |
| Average earning assets | $567,055,330 | 1,079 |
| Average equity | $82,885,330 | 868 |
| Average total loans | $367,736,000 | 1,153 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5474% | 87 |
| Cost of funding earning assets | 0.6193% | 2,928 |
| Net interest margin | 5.9281% | 86 |
| Noninterest income to average assets | 0.2484% | 5,682 |
| Noninterest expense to average assets | 5.4058% | 280 |
| Loan and lease loss provision to assets | 0.3823% | 834 |
| Net operating income to assets | -0.4693% | 6,660 |
| Return on assets (ROA) | -0.4693% | 6,688 |
| Pretax return on assets | -0.4675% | 6,666 |
| Return on Equity (ROE) | -3.7224% | 6,640 |
| Retained earnings to average equity (ytd only) | -3.7224% | 6,255 |
| Net charge-offs to loans | 0.6665% | 916 |
| Credit loss provision to net charge-offs | 103.2415% | 1,784 |
| Earnings coverage of net charge-offs (x) | -0.2301% | 3,879 |
| Efficiency ratio | 98.0149% | 633 |
| Assets per employee ($millions) | 4.4770% | 3,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1367% | 581 |
| Loan loss allowance to noncurrent loans | 23.7926% | 6,233 |
| Noncurrent assets plus other real estate owned to assets | 12.2721% | 123 |
| Noncurrent loans to loans | 13.1837% | 110 |
| Net loans and leases to total assets | 55.3397% | 4,193 |
| Net loans and leases to deposits | 65.8994% | 4,066 |
| Net loans and leases to core deposits | 69.6919% | 4,122 |
| Total domestic deposits to total assets | 83.9760% | 4,482 |
| Equity capital to assets | 12.6828% | 1,604 |
| Core capital (leverage) ratio | 11.8195% | 1,670 |
| Tier 1 risk-based capital ratio | 22.4710% | 1,246 |
| Total risk-based capital ratio | 23.7489% | 1,226 |
| Memoranda: | ||
| Average total assets | $666,545,500 | 1,009 |
| Average earning assets | $570,302,000 | 1,084 |
| Average equity | $84,032,500 | 857 |
| Average total loans | $370,275,500 | 1,151 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6022% | 56 |
| Cost of funding earning assets | 0.8077% | 2,610 |
| Net interest margin | 6.7944% | 55 |
| Noninterest income to average assets | 1.0837% | 1,320 |
| Noninterest expense to average assets | 6.6996% | 163 |
| Loan and lease loss provision to assets | 2.3240% | 70 |
| Net operating income to assets | -2.3075% | 6,959 |
| Return on assets (ROA) | -2.2490% | 6,958 |
| Pretax return on assets | -2.2475% | 6,956 |
| Return on Equity (ROE) | -16.0982% | 6,839 |
| Retained earnings to average equity (ytd only) | -16.0982% | 6,790 |
| Net charge-offs to loans | 3.3664% | 119 |
| Credit loss provision to net charge-offs | 135.8521% | 2,042 |
| Earnings coverage of net charge-offs (x) | 0.0105% | 5,478 |
| Efficiency ratio | 96.9369% | 667 |
| Assets per employee ($millions) | 4.5606% | 2,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2297% | 535 |
| Loan loss allowance to noncurrent loans | 27.5486% | 6,161 |
| Noncurrent assets plus other real estate owned to assets | 11.4791% | 162 |
| Noncurrent loans to loans | 11.7236% | 158 |
| Net loans and leases to total assets | 52.2662% | 4,888 |
| Net loans and leases to deposits | 61.9881% | 4,786 |
| Net loans and leases to core deposits | 65.8031% | 4,758 |
| Total domestic deposits to total assets | 84.3164% | 4,176 |
| Equity capital to assets | 12.5334% | 1,683 |
| Core capital (leverage) ratio | 11.6136% | 1,796 |
| Tier 1 risk-based capital ratio | 25.5241% | 805 |
| Total risk-based capital ratio | 26.8071% | 795 |
| Memoranda: | ||
| Average total assets | $678,439,800 | 965 |
| Average earning assets | $562,563,200 | 1,076 |
| Average equity | $94,781,000 | 747 |
| Average total loans | $344,755,800 | 1,223 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4193% | 60 |
| Cost of funding earning assets | 0.8374% | 2,649 |
| Net interest margin | 6.5819% | 62 |
| Noninterest income to average assets | 1.0821% | 1,285 |
| Noninterest expense to average assets | 4.4723% | 556 |
| Loan and lease loss provision to assets | 2.1358% | 97 |
| Net operating income to assets | -0.0952% | 6,401 |
| Return on assets (ROA) | -0.0952% | 6,494 |
| Pretax return on assets | -0.0940% | 6,477 |
| Return on Equity (ROE) | -0.6644% | 6,472 |
| Retained earnings to average equity (ytd only) | -0.6644% | 6,211 |
| Net charge-offs to loans | 2.8910% | 193 |
| Credit loss provision to net charge-offs | 147.6927% | 1,920 |
| Earnings coverage of net charge-offs (x) | 1.4119% | 4,587 |
| Efficiency ratio | 65.7778% | 4,486 |
| Assets per employee ($millions) | 4.5858% | 2,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2777% | 562 |
| Loan loss allowance to noncurrent loans | 25.4494% | 6,328 |
| Noncurrent assets plus other real estate owned to assets | 12.2359% | 157 |
| Noncurrent loans to loans | 12.8793% | 143 |
| Net loans and leases to total assets | 48.0540% | 5,539 |
| Net loans and leases to deposits | 57.5221% | 5,480 |
| Net loans and leases to core deposits | 61.8381% | 5,376 |
| Total domestic deposits to total assets | 83.5401% | 4,418 |
| Equity capital to assets | 14.6604% | 924 |
| Core capital (leverage) ratio | 13.8866% | 871 |
| Tier 1 risk-based capital ratio | 30.0892% | 529 |
| Total risk-based capital ratio | 31.3690% | 516 |
| Memoranda: | ||
| Average total assets | $679,306,750 | 971 |
| Average earning assets | $560,630,500 | 1,090 |
| Average equity | $97,327,000 | 732 |
| Average total loans | $339,805,750 | 1,253 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1275% | 76 |
| Cost of funding earning assets | 0.8777% | 2,583 |
| Net interest margin | 6.2497% | 75 |
| Noninterest income to average assets | 0.9555% | 1,595 |
| Noninterest expense to average assets | 3.8160% | 1,193 |
| Loan and lease loss provision to assets | 3.3500% | 42 |
| Net operating income to assets | -1.0735% | 6,928 |
| Return on assets (ROA) | -1.0735% | 6,944 |
| Pretax return on assets | -1.0729% | 6,916 |
| Return on Equity (ROE) | -7.5515% | 6,851 |
| Retained earnings to average equity (ytd only) | -7.5515% | 6,746 |
| Net charge-offs to loans | 3.7892% | 127 |
| Credit loss provision to net charge-offs | 176.3354% | 1,601 |
| Earnings coverage of net charge-offs (x) | 1.1986% | 4,409 |
| Efficiency ratio | 59.5449% | 5,647 |
| Assets per employee ($millions) | 3.7383% | 4,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7686% | 401 |
| Loan loss allowance to noncurrent loans | 28.6194% | 6,206 |
| Noncurrent assets plus other real estate owned to assets | 12.0419% | 180 |
| Noncurrent loans to loans | 13.1679% | 138 |
| Net loans and leases to total assets | 46.7657% | 5,748 |
| Net loans and leases to deposits | 55.5588% | 5,698 |
| Net loans and leases to core deposits | 60.0974% | 5,577 |
| Total domestic deposits to total assets | 84.1734% | 4,244 |
| Equity capital to assets | 14.0633% | 1,073 |
| Core capital (leverage) ratio | 13.1614% | 1,102 |
| Tier 1 risk-based capital ratio | 30.5555% | 496 |
| Total risk-based capital ratio | 31.8449% | 488 |
| Memoranda: | ||
| Average total assets | $677,979,000 | 971 |
| Average earning assets | $557,336,330 | 1,090 |
| Average equity | $96,378,330 | 740 |
| Average total loans | $339,916,000 | 1,252 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1155% | 1,532 |
| Cost of funding earning assets | 0.9201% | 2,519 |
| Net interest margin | 4.1954% | 1,769 |
| Noninterest income to average assets | 4.1410% | 162 |
| Noninterest expense to average assets | 4.1991% | 742 |
| Loan and lease loss provision to assets | 3.4007% | 50 |
| Net operating income to assets | -0.0362% | 6,467 |
| Return on assets (ROA) | -0.0362% | 6,564 |
| Pretax return on assets | -0.0350% | 6,560 |
| Return on Equity (ROE) | -0.2529% | 6,556 |
| Retained earnings to average equity (ytd only) | -0.2529% | 6,037 |
| Net charge-offs to loans | 6.8699% | 48 |
| Credit loss provision to net charge-offs | 97.2213% | 2,420 |
| Earnings coverage of net charge-offs (x) | 0.9622% | 3,848 |
| Efficiency ratio | 53.0163% | 6,433 |
| Assets per employee ($millions) | 3.6191% | 4,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2369% | 1,802 |
| Loan loss allowance to noncurrent loans | 17.9789% | 6,621 |
| Noncurrent assets plus other real estate owned to assets | 12.1777% | 197 |
| Noncurrent loans to loans | 12.4419% | 182 |
| Net loans and leases to total assets | 47.8487% | 5,575 |
| Net loans and leases to deposits | 57.2396% | 5,463 |
| Net loans and leases to core deposits | 62.0262% | 5,323 |
| Total domestic deposits to total assets | 83.5937% | 4,678 |
| Equity capital to assets | 14.6245% | 828 |
| Core capital (leverage) ratio | 13.7423% | 868 |
| Tier 1 risk-based capital ratio | 31.7226% | 444 |
| Total risk-based capital ratio | 32.9908% | 438 |
| Memoranda: | ||
| Average total assets | $674,911,500 | 977 |
| Average earning assets | $550,795,000 | 1,105 |
| Average equity | $96,463,000 | 736 |
| Average total loans | $343,644,000 | 1,225 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8122% | 628 |
| Cost of funding earning assets | 0.8598% | 4,398 |
| Net interest margin | 4.9525% | 456 |
| Noninterest income to average assets | 0.9030% | 1,665 |
| Noninterest expense to average assets | 3.4906% | 2,006 |
| Loan and lease loss provision to assets | 2.3896% | 195 |
| Net operating income to assets | -0.8520% | 6,675 |
| Return on assets (ROA) | -0.8520% | 6,707 |
| Pretax return on assets | -0.8509% | 6,669 |
| Return on Equity (ROE) | -6.3074% | 6,599 |
| Retained earnings to average equity (ytd only) | -6.7095% | 6,554 |
| Net charge-offs to loans | 3.5724% | 206 |
| Credit loss provision to net charge-offs | 128.7177% | 2,392 |
| Earnings coverage of net charge-offs (x) | 0.8288% | 5,178 |
| Efficiency ratio | 65.9655% | 4,780 |
| Assets per employee ($millions) | 3.5049% | 5,001 |
| Cash dividends to net income (ytd only)* | -6.3755% | 7,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1488% | 1,896 |
| Loan loss allowance to noncurrent loans | 10.8352% | 6,809 |
| Noncurrent assets plus other real estate owned to assets | 13.6452% | 166 |
| Noncurrent loans to loans | 19.8321% | 52 |
| Net loans and leases to total assets | 51.7853% | 5,345 |
| Net loans and leases to deposits | 61.4473% | 5,318 |
| Net loans and leases to core deposits | 66.2708% | 5,221 |
| Total domestic deposits to total assets | 84.2759% | 4,202 |
| Equity capital to assets | 13.9554% | 1,080 |
| Core capital (leverage) ratio | 12.7990% | 1,221 |
| Tier 1 risk-based capital ratio | 30.5938% | 488 |
| Total risk-based capital ratio | 31.8637% | 477 |
| Memoranda: | ||
| Average total assets | $736,403,000 | 891 |
| Average earning assets | $613,550,200 | 959 |
| Average equity | $99,470,600 | 689 |
| Average total loans | $382,686,400 | 1,113 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2042% | 322 |
| Cost of funding earning assets | 0.8451% | 4,804 |
| Net interest margin | 5.3590% | 220 |
| Noninterest income to average assets | 0.1685% | 6,382 |
| Noninterest expense to average assets | 3.0441% | 3,380 |
| Loan and lease loss provision to assets | 1.3738% | 536 |
| Net operating income to assets | 0.2218% | 5,643 |
| Return on assets (ROA) | 0.2218% | 5,777 |
| Pretax return on assets | 0.2218% | 5,858 |
| Return on Equity (ROE) | 1.6544% | 5,884 |
| Retained earnings to average equity (ytd only) | 1.1262% | 5,563 |
| Net charge-offs to loans | 2.6674% | 395 |
| Credit loss provision to net charge-offs | 99.5127% | 3,435 |
| Earnings coverage of net charge-offs (x) | 1.1558% | 4,754 |
| Efficiency ratio | 61.9658% | 5,413 |
| Assets per employee ($millions) | 3.5493% | 4,880 |
| Cash dividends to net income (ytd only)* | 31.9235% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0069% | 6,228 |
| Loan loss allowance to noncurrent loans | 5.1599% | 6,936 |
| Noncurrent assets plus other real estate owned to assets | 12.3448% | 214 |
| Noncurrent loans to loans | 19.5142% | 60 |
| Net loans and leases to total assets | 52.9184% | 5,334 |
| Net loans and leases to deposits | 63.5108% | 5,238 |
| Net loans and leases to core deposits | 68.0810% | 5,172 |
| Total domestic deposits to total assets | 83.3219% | 4,550 |
| Equity capital to assets | 14.8988% | 877 |
| Core capital (leverage) ratio | 13.5198% | 1,037 |
| Tier 1 risk-based capital ratio | 33.2608% | 410 |
| Total risk-based capital ratio | 34.5134% | 403 |
| Memoranda: | ||
| Average total assets | $753,144,000 | 878 |
| Average earning assets | $628,356,250 | 948 |
| Average equity | $100,982,500 | 689 |
| Average total loans | $389,787,000 | 1,105 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4830% | 211 |
| Cost of funding earning assets | 0.8327% | 5,178 |
| Net interest margin | 5.6503% | 141 |
| Noninterest income to average assets | 0.1503% | 6,571 |
| Noninterest expense to average assets | 2.9835% | 3,704 |
| Loan and lease loss provision to assets | 1.3531% | 542 |
| Net operating income to assets | 0.5569% | 4,278 |
| Return on assets (ROA) | 0.5569% | 4,402 |
| Pretax return on assets | 0.5569% | 4,890 |
| Return on Equity (ROE) | 4.2921% | 4,798 |
| Retained earnings to average equity (ytd only) | 3.4998% | 4,024 |
| Net charge-offs to loans | 2.5243% | 462 |
| Credit loss provision to net charge-offs | 104.5680% | 2,952 |
| Earnings coverage of net charge-offs (x) | 1.4761% | 4,176 |
| Efficiency ratio | 57.6230% | 6,211 |
| Assets per employee ($millions) | 4.2469% | 3,263 |
| Cash dividends to net income (ytd only)* | 18.4587% | 2,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0206% | 6,248 |
| Loan loss allowance to noncurrent loans | 5.3056% | 6,984 |
| Noncurrent assets plus other real estate owned to assets | 11.3278% | 291 |
| Noncurrent loans to loans | 19.2365% | 72 |
| Net loans and leases to total assets | 50.8211% | 5,714 |
| Net loans and leases to deposits | 60.0330% | 5,720 |
| Net loans and leases to core deposits | 63.8395% | 5,736 |
| Total domestic deposits to total assets | 84.6553% | 4,051 |
| Equity capital to assets | 13.6088% | 1,241 |
| Core capital (leverage) ratio | 12.4370% | 1,393 |
| Tier 1 risk-based capital ratio | 32.1840% | 446 |
| Total risk-based capital ratio | 33.4369% | 438 |
| Memoranda: | ||
| Average total assets | $778,219,000 | 860 |
| Average earning assets | $653,276,000 | 924 |
| Average equity | $100,976,000 | 684 |
| Average total loans | $398,918,330 | 1,084 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5667% | 73 |
| Cost of funding earning assets | 0.8166% | 5,490 |
| Net interest margin | 6.7501% | 60 |
| Noninterest income to average assets | 0.0938% | 6,950 |
| Noninterest expense to average assets | 2.9617% | 3,807 |
| Loan and lease loss provision to assets | 1.7142% | 344 |
| Net operating income to assets | 1.1210% | 1,762 |
| Return on assets (ROA) | 1.1210% | 1,812 |
| Pretax return on assets | 1.1220% | 2,673 |
| Return on Equity (ROE) | 8.8426% | 2,536 |
| Retained earnings to average equity (ytd only) | 8.8426% | 1,428 |
| Net charge-offs to loans | 3.0860% | 344 |
| Credit loss provision to net charge-offs | 108.4503% | 2,459 |
| Earnings coverage of net charge-offs (x) | 1.7943% | 3,407 |
| Efficiency ratio | 48.3178% | 7,107 |
| Assets per employee ($millions) | 4.5639% | 2,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9659% | 6,499 |
| Loan loss allowance to noncurrent loans | 5.4771% | 7,046 |
| Noncurrent assets plus other real estate owned to assets | 9.5340% | 442 |
| Noncurrent loans to loans | 17.6358% | 95 |
| Net loans and leases to total assets | 52.5330% | 5,512 |
| Net loans and leases to deposits | 61.6992% | 5,541 |
| Net loans and leases to core deposits | 65.7923% | 5,533 |
| Total domestic deposits to total assets | 85.1437% | 3,974 |
| Equity capital to assets | 13.1959% | 1,301 |
| Core capital (leverage) ratio | 11.9906% | 1,578 |
| Tier 1 risk-based capital ratio | 32.0438% | 435 |
| Total risk-based capital ratio | 33.2958% | 425 |
| Memoranda: | ||
| Average total assets | $793,597,000 | 845 |
| Average earning assets | $670,625,500 | 908 |
| Average equity | $100,603,500 | 678 |
| Average total loans | $406,484,500 | 1,070 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2046% | 3,581 |
| Cost of funding earning assets | 1.2362% | 4,316 |
| Net interest margin | 3.9684% | 3,161 |
| Noninterest income to average assets | 3.3708% | 205 |
| Noninterest expense to average assets | 2.6300% | 5,299 |
| Loan and lease loss provision to assets | 0.7942% | 2,053 |
| Net operating income to assets | 3.4548% | 51 |
| Return on assets (ROA) | 3.4548% | 53 |
| Pretax return on assets | 3.4548% | 90 |
| Return on Equity (ROE) | 29.9852% | 42 |
| Retained earnings to average equity (ytd only) | 29.9852% | 12 |
| Net charge-offs to loans | 0.0532% | 6,260 |
| Credit loss provision to net charge-offs | 2,422.8261% | 95 |
| Earnings coverage of net charge-offs (x) | 129.6196% | 194 |
| Efficiency ratio | 36.8176% | 7,536 |
| Assets per employee ($millions) | 4.9150% | 2,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9130% | 6,691 |
| Loan loss allowance to noncurrent loans | 5.3953% | 7,125 |
| Noncurrent assets plus other real estate owned to assets | 8.3793% | 568 |
| Noncurrent loans to loans | 16.9223% | 110 |
| Net loans and leases to total assets | 49.0435% | 6,271 |
| Net loans and leases to deposits | 58.3331% | 6,222 |
| Net loans and leases to core deposits | 62.0480% | 6,233 |
| Total domestic deposits to total assets | 84.0750% | 4,327 |
| Equity capital to assets | 12.1863% | 1,806 |
| Core capital (leverage) ratio | 12.7252% | 1,229 |
| Tier 1 risk-based capital ratio | 30.9955% | 465 |
| Total risk-based capital ratio | 32.2464% | 458 |
| Memoranda: | ||
| Average total assets | $280,649,600 | 2,278 |
| Average earning assets | $248,107,000 | 2,352 |
| Average equity | $32,336,000 | 2,034 |
| Average total loans | $173,032,000 | 2,430 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1818% | 3,930 |
| Cost of funding earning assets | 1.5030% | 2,960 |
| Net interest margin | 3.6789% | 4,507 |
| Noninterest income to average assets | 0.1979% | 6,476 |
| Noninterest expense to average assets | 2.1701% | 6,684 |
| Loan and lease loss provision to assets | 0.3986% | 3,517 |
| Net operating income to assets | 1.0297% | 2,141 |
| Return on assets (ROA) | 1.0297% | 2,247 |
| Pretax return on assets | 1.0297% | 3,074 |
| Return on Equity (ROE) | 9.7149% | 2,242 |
| Retained earnings to average equity (ytd only) | 9.7149% | 860 |
| Net charge-offs to loans | 0.0012% | 6,665 |
| Credit loss provision to net charge-offs | 43,900.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 1,576.9023% | 16 |
| Efficiency ratio | 58.9200% | 6,119 |
| Assets per employee ($millions) | 5.6509% | 1,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5787% | 3,620 |
| Loan loss allowance to noncurrent loans | 222.8700% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.6353% | 5,857 |
| Noncurrent loans to loans | 0.7083% | 5,795 |
| Net loans and leases to total assets | 73.1100% | 1,995 |
| Net loans and leases to deposits | 86.7188% | 2,199 |
| Net loans and leases to core deposits | 97.4394% | 2,101 |
| Total domestic deposits to total assets | 84.3070% | 3,958 |
| Equity capital to assets | 9.5300% | 4,793 |
| Core capital (leverage) ratio | 7.4508% | 6,881 |
| Tier 1 risk-based capital ratio | 9.2117% | 7,325 |
| Total risk-based capital ratio | 10.4660% | 7,334 |
| Memoranda: | ||
| Average total assets | $146,839,000 | 3,985 |
| Average earning assets | $135,727,250 | 3,953 |
| Average equity | $15,563,250 | 3,889 |
| Average total loans | $115,332,750 | 3,471 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3331% | 3,300 |
| Cost of funding earning assets | 1.5340% | 3,042 |
| Net interest margin | 3.7991% | 3,894 |
| Noninterest income to average assets | 0.1896% | 6,548 |
| Noninterest expense to average assets | 2.1899% | 6,670 |
| Loan and lease loss provision to assets | 0.4308% | 3,165 |
| Net operating income to assets | 1.0612% | 1,977 |
| Return on assets (ROA) | 1.0612% | 2,051 |
| Pretax return on assets | 1.0612% | 2,896 |
| Return on Equity (ROE) | 9.6188% | 2,237 |
| Retained earnings to average equity (ytd only) | 9.6188% | 935 |
| Net charge-offs to loans | 0.0036% | 6,327 |
| Credit loss provision to net charge-offs | 15,000.0000% | 23 |
| Earnings coverage of net charge-offs (x) | 519.5000% | 61 |
| Efficiency ratio | 58.0343% | 6,368 |
| Assets per employee ($millions) | 5.7799% | 1,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5994% | 3,448 |
| Loan loss allowance to noncurrent loans | 1,579.4872% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.1903% | 6,919 |
| Noncurrent loans to loans | 0.1013% | 7,064 |
| Net loans and leases to total assets | 75.6578% | 1,555 |
| Net loans and leases to deposits | 91.6512% | 1,586 |
| Net loans and leases to core deposits | 103.9354% | 1,647 |
| Total domestic deposits to total assets | 82.5497% | 4,764 |
| Equity capital to assets | 10.4726% | 3,444 |
| Core capital (leverage) ratio | 7.8352% | 6,456 |
| Tier 1 risk-based capital ratio | 9.4670% | 7,273 |
| Total risk-based capital ratio | 10.7208% | 7,276 |
| Memoranda: | ||
| Average total assets | $139,276,000 | 4,150 |
| Average earning assets | $128,030,000 | 4,134 |
| Average equity | $15,365,670 | 3,919 |
| Average total loans | $111,800,330 | 3,587 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4004% | 3,033 |
| Cost of funding earning assets | 1.5603% | 3,207 |
| Net interest margin | 3.8401% | 3,622 |
| Noninterest income to average assets | 0.1645% | 6,794 |
| Noninterest expense to average assets | 2.2276% | 6,613 |
| Loan and lease loss provision to assets | 0.3738% | 3,129 |
| Net operating income to assets | 1.0734% | 1,923 |
| Return on assets (ROA) | 1.0734% | 1,993 |
| Pretax return on assets | 1.0734% | 2,827 |
| Return on Equity (ROE) | 9.4601% | 2,313 |
| Retained earnings to average equity (ytd only) | 9.4601% | 1,279 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1538% | 6,315 |
| Assets per employee ($millions) | 5.4085% | 1,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5296% | 3,753 |
| Loan loss allowance to noncurrent loans | 167,500.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.1457% | 7,119 |
| Noncurrent loans to loans | 0.0009% | 7,424 |
| Net loans and leases to total assets | 79.7497% | 869 |
| Net loans and leases to deposits | 98.4659% | 866 |
| Net loans and leases to core deposits | 116.6925% | 921 |
| Total domestic deposits to total assets | 80.9922% | 5,467 |
| Equity capital to assets | 11.3591% | 2,457 |
| Core capital (leverage) ratio | 8.1175% | 6,039 |
| Tier 1 risk-based capital ratio | 9.8057% | 7,151 |
| Total risk-based capital ratio | 11.0587% | 7,143 |
| Memoranda: | ||
| Average total assets | $133,775,000 | 4,328 |
| Average earning assets | $122,287,000 | 4,320 |
| Average equity | $15,179,500 | 3,984 |
| Average total loans | $109,928,000 | 3,683 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5617% | 3,804 |
| Cost of funding earning assets | 1.7542% | 4,232 |
| Net interest margin | 3.8074% | 3,672 |
| Noninterest income to average assets | 0.1691% | 6,870 |
| Noninterest expense to average assets | 2.3455% | 6,615 |
| Loan and lease loss provision to assets | 0.5148% | 3,801 |
| Net operating income to assets | 0.7609% | 2,673 |
| Return on assets (ROA) | 0.7609% | 2,769 |
| Pretax return on assets | 0.7626% | 3,365 |
| Return on Equity (ROE) | 6.2509% | 3,102 |
| Retained earnings to average equity (ytd only) | 6.2509% | 1,251 |
| Net charge-offs to loans | 0.0021% | 7,224 |
| Credit loss provision to net charge-offs | 30,750.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 763.0000% | 32 |
| Efficiency ratio | 63.0545% | 5,957 |
| Assets per employee ($millions) | 5.0899% | 2,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4046% | 4,214 |
| Loan loss allowance to noncurrent loans | 534.4828% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.3672% | 6,533 |
| Noncurrent loans to loans | 0.2628% | 6,771 |
| Net loans and leases to total assets | 82.2136% | 654 |
| Net loans and leases to deposits | 106.6176% | 516 |
| Net loans and leases to core deposits | 147.2705% | 577 |
| Total domestic deposits to total assets | 77.1107% | 6,447 |
| Equity capital to assets | 11.3347% | 2,446 |
| Core capital (leverage) ratio | 7.8067% | 6,446 |
| Tier 1 risk-based capital ratio | 9.5578% | 7,192 |
| Total risk-based capital ratio | 10.8097% | 7,172 |
| Memoranda: | ||
| Average total assets | $119,461,600 | 4,584 |
| Average earning assets | $108,366,800 | 4,620 |
| Average equity | $14,542,000 | 4,136 |
| Average total loans | $94,494,200 | 4,095 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5026% | 4,406 |
| Cost of funding earning assets | 1.7650% | 4,554 |
| Net interest margin | 3.7376% | 3,922 |
| Noninterest income to average assets | 0.2363% | 6,535 |
| Noninterest expense to average assets | 2.3112% | 6,669 |
| Loan and lease loss provision to assets | 0.5162% | 3,323 |
| Net operating income to assets | 0.7949% | 2,836 |
| Return on assets (ROA) | 0.7949% | 2,898 |
| Pretax return on assets | 0.7972% | 3,552 |
| Return on Equity (ROE) | 6.4043% | 3,347 |
| Retained earnings to average equity (ytd only) | 6.4043% | 1,762 |
| Net charge-offs to loans | 0.0015% | 6,975 |
| Credit loss provision to net charge-offs | 45,000.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 1,147.8421% | 17 |
| Efficiency ratio | 62.0253% | 6,095 |
| Assets per employee ($millions) | 5.2714% | 1,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3067% | 4,461 |
| Loan loss allowance to noncurrent loans | 505.8394% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.3976% | 6,462 |
| Noncurrent loans to loans | 0.2583% | 6,866 |
| Net loans and leases to total assets | 76.3768% | 1,921 |
| Net loans and leases to deposits | 98.1169% | 1,317 |
| Net loans and leases to core deposits | 132.9156% | 1,275 |
| Total domestic deposits to total assets | 77.8426% | 6,130 |
| Equity capital to assets | 10.8153% | 3,196 |
| Core capital (leverage) ratio | 8.3528% | 5,746 |
| Tier 1 risk-based capital ratio | 9.5684% | 7,327 |
| Total risk-based capital ratio | 10.8196% | 7,286 |
| Memoranda: | ||
| Average total assets | $116,242,750 | 4,693 |
| Average earning assets | $105,377,500 | 4,725 |
| Average equity | $14,427,500 | 4,204 |
| Average total loans | $90,530,500 | 4,233 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6773% | 3,681 |
| Cost of funding earning assets | 1.8044% | 4,731 |
| Net interest margin | 3.8729% | 3,234 |
| Noninterest income to average assets | 0.2360% | 6,594 |
| Noninterest expense to average assets | 2.3951% | 6,476 |
| Loan and lease loss provision to assets | 0.4593% | 3,229 |
| Net operating income to assets | 0.8655% | 2,589 |
| Return on assets (ROA) | 0.8728% | 2,668 |
| Pretax return on assets | 0.8764% | 3,418 |
| Return on Equity (ROE) | 6.6733% | 3,349 |
| Retained earnings to average equity (ytd only) | 6.6733% | 1,710 |
| Net charge-offs to loans | 0.0023% | 6,596 |
| Credit loss provision to net charge-offs | 25,100.0000% | 13 |
| Earnings coverage of net charge-offs (x) | 726.0000% | 39 |
| Efficiency ratio | 62.5061% | 6,165 |
| Assets per employee ($millions) | 4.9542% | 2,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3009% | 4,265 |
| Loan loss allowance to noncurrent loans | 860.1449% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.3302% | 6,637 |
| Noncurrent loans to loans | 0.1512% | 7,145 |
| Net loans and leases to total assets | 72.7119% | 3,033 |
| Net loans and leases to deposits | 96.0680% | 1,788 |
| Net loans and leases to core deposits | 130.9287% | 1,490 |
| Total domestic deposits to total assets | 75.6879% | 6,618 |
| Equity capital to assets | 11.7524% | 2,352 |
| Core capital (leverage) ratio | 8.5410% | 5,369 |
| Tier 1 risk-based capital ratio | 10.6972% | 6,186 |
| Total risk-based capital ratio | 11.9471% | 6,128 |
| Memoranda: | ||
| Average total assets | $109,305,000 | 4,903 |
| Average earning assets | $98,426,670 | 4,941 |
| Average equity | $14,295,670 | 4,244 |
| Average total loans | $85,352,330 | 4,420 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9331% | 2,632 |
| Cost of funding earning assets | 1.8445% | 4,905 |
| Net interest margin | 4.0886% | 2,321 |
| Noninterest income to average assets | 0.2940% | 6,084 |
| Noninterest expense to average assets | 2.6110% | 5,414 |
| Loan and lease loss provision to assets | 0.6508% | 1,939 |
| Net operating income to assets | 0.6783% | 3,669 |
| Return on assets (ROA) | 0.6861% | 3,811 |
| Pretax return on assets | 0.6900% | 4,468 |
| Return on Equity (ROE) | 4.9416% | 4,497 |
| Retained earnings to average equity (ytd only) | 4.9416% | 3,162 |
| Net charge-offs to loans | 0.0049% | 5,636 |
| Credit loss provision to net charge-offs | 16,600.0000% | 30 |
| Earnings coverage of net charge-offs (x) | 340.0000% | 113 |
| Efficiency ratio | 64.4135% | 5,608 |
| Assets per employee ($millions) | 4.2952% | 3,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2695% | 4,278 |
| Loan loss allowance to noncurrent loans | 822.3881% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.3772% | 6,373 |
| Noncurrent loans to loans | 0.1544% | 7,080 |
| Net loans and leases to total assets | 79.8130% | 1,427 |
| Net loans and leases to deposits | 114.7064% | 418 |
| Net loans and leases to core deposits | 124.7402% | 2,016 |
| Total domestic deposits to total assets | 69.5803% | 7,465 |
| Equity capital to assets | 13.2826% | 1,626 |
| Core capital (leverage) ratio | 9.9124% | 3,504 |
| Tier 1 risk-based capital ratio | 11.3338% | 5,562 |
| Total risk-based capital ratio | 12.5842% | 5,477 |
| Memoranda: | ||
| Average total assets | $102,029,500 | 5,123 |
| Average earning assets | $91,082,000 | 5,183 |
| Average equity | $14,165,500 | 4,301 |
| Average total loans | $82,406,000 | 4,545 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3282% | 3,803 |
| Cost of funding earning assets | 2.5164% | 4,108 |
| Net interest margin | 3.8118% | 3,971 |
| Noninterest income to average assets | 0.3094% | 6,238 |
| Noninterest expense to average assets | 2.5634% | 5,780 |
| Loan and lease loss provision to assets | 0.7909% | 1,885 |
| Net operating income to assets | 0.2658% | 5,660 |
| Return on assets (ROA) | 0.2744% | 5,447 |
| Pretax return on assets | 0.2782% | 5,557 |
| Return on Equity (ROE) | 1.7155% | 5,704 |
| Retained earnings to average equity (ytd only) | 1.7155% | 4,188 |
| Net charge-offs to loans | 0.1450% | 4,763 |
| Credit loss provision to net charge-offs | 745.8824% | 565 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 2,588 |
| Efficiency ratio | 68.1928% | 4,690 |
| Assets per employee ($millions) | 4.0283% | 3,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 4,525 |
| Loan loss allowance to noncurrent loans | 787.3950% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.4882% | 5,745 |
| Noncurrent loans to loans | 0.1526% | 6,952 |
| Net loans and leases to total assets | 79.7172% | 1,721 |
| Net loans and leases to deposits | 111.3038% | 748 |
| Net loans and leases to core deposits | 118.8309% | 2,807 |
| Total domestic deposits to total assets | 71.6213% | 7,073 |
| Equity capital to assets | 14.5514% | 1,281 |
| Core capital (leverage) ratio | 10.6711% | 2,844 |
| Tier 1 risk-based capital ratio | 12.4642% | 4,464 |
| Total risk-based capital ratio | 13.7024% | 4,373 |
| Memoranda: | ||
| Average total assets | $80,166,400 | 5,702 |
| Average earning assets | $69,703,800 | 5,831 |
| Average equity | $12,824,400 | 4,618 |
| Average total loans | $58,631,000 | 5,337 |