Home > Prudential Bank > Performance and Condition Ratios
Prudential Bank, Performance and Condition Ratios
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9704% | 1,326 |
| Cost of funding earning assets | 1.2354% | 19 |
| Net interest margin | 2.7350% | 3,863 |
| Noninterest income to average assets | 0.7000% | 1,324 |
| Noninterest expense to average assets | 2.7958% | 1,256 |
| Loan and lease loss provision to assets | 0.3200% | 209 |
| Net operating income to assets | 0.1332% | 4,525 |
| Return on assets (ROA) | -1.1782% | 4,705 |
| Pretax return on assets | -1.5626% | 4,705 |
| Return on Equity (ROE) | -9.8700% | 4,699 |
| Retained earnings to average equity (ytd only) | -13.8096% | 4,709 |
| Net charge-offs to loans | 0.8728% | 61 |
| Credit loss provision to net charge-offs | 62.6010% | 1,485 |
| Earnings coverage of net charge-offs (x) | 0.8158% | 2,286 |
| Efficiency ratio | 86.7377% | 431 |
| Assets per employee ($millions) | 10.4712% | 568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2845% | 2,105 |
| Loan loss allowance to noncurrent loans | 332.2090% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.5278% | 1,024 |
| Noncurrent loans to loans | 0.3867% | 1,846 |
| Net loans and leases to total assets | 64.9700% | 1,987 |
| Net loans and leases to deposits | 133.9924% | 26 |
| Net loans and leases to core deposits | 141.4080% | 91 |
| Total domestic deposits to total assets | 48.4800% | 4,656 |
| Equity capital to assets | 12.1865% | 846 |
| Core capital (leverage) ratio | 13.4170% | 799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5505% | 677 |
| Memoranda: | ||
| Average total assets | $965,181,750 | 1,020 |
| Average earning assets | $888,007,000 | 1,017 |
| Average equity | $115,241,000 | 857 |
| Average total loans | $567,367,250 | 1,073 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7387% | 1,446 |
| Cost of funding earning assets | 1.2616% | 12 |
| Net interest margin | 2.4771% | 4,125 |
| Noninterest income to average assets | 0.9191% | 809 |
| Noninterest expense to average assets | 3.3660% | 500 |
| Loan and lease loss provision to assets | 0.4599% | 115 |
| Net operating income to assets | -0.4348% | 4,676 |
| Return on assets (ROA) | -0.4363% | 4,655 |
| Pretax return on assets | -0.6181% | 4,666 |
| Return on Equity (ROE) | -3.6751% | 4,656 |
| Retained earnings to average equity (ytd only) | -9.3510% | 4,648 |
| Net charge-offs to loans | 1.1662% | 52 |
| Credit loss provision to net charge-offs | 69.3409% | 1,434 |
| Earnings coverage of net charge-offs (x) | -0.2356% | 2,106 |
| Efficiency ratio | 104.6340% | 145 |
| Assets per employee ($millions) | 11.1954% | 464 |
| Cash dividends to net income (ytd only)* | -154.4424% | 4,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2832% | 2,265 |
| Loan loss allowance to noncurrent loans | 331.5600% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.4751% | 1,197 |
| Noncurrent loans to loans | 0.3870% | 1,977 |
| Net loans and leases to total assets | 60.1585% | 2,309 |
| Net loans and leases to deposits | 105.3604% | 142 |
| Net loans and leases to core deposits | 138.4387% | 83 |
| Total domestic deposits to total assets | 57.0978% | 4,704 |
| Equity capital to assets | 11.6942% | 963 |
| Core capital (leverage) ratio | 12.4826% | 977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4152% | 933 |
| Memoranda: | ||
| Average total assets | $1,011,167,333 | 968 |
| Average earning assets | $935,030,333 | 975 |
| Average equity | $120,051,333 | 842 |
| Average total loans | $575,020,667 | 1,052 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6186% | 1,454 |
| Cost of funding earning assets | 1.2775% | 9 |
| Net interest margin | 2.3411% | 4,168 |
| Noninterest income to average assets | 0.1326% | 4,351 |
| Noninterest expense to average assets | 4.3476% | 222 |
| Loan and lease loss provision to assets | 1.1084% | 40 |
| Net operating income to assets | -2.4474% | 4,767 |
| Return on assets (ROA) | -2.4477% | 4,767 |
| Pretax return on assets | -3.1498% | 4,770 |
| Return on Equity (ROE) | -20.4781% | 4,772 |
| Retained earnings to average equity (ytd only) | -22.3967% | 4,718 |
| Net charge-offs to loans | 2.3334% | 27 |
| Credit loss provision to net charge-offs | 86.3095% | 1,094 |
| Earnings coverage of net charge-offs (x) | -1.5893% | 1,797 |
| Efficiency ratio | 188.1690% | 25 |
| Assets per employee ($millions) | 12.0110% | 397 |
| Cash dividends to net income (ytd only)* | -9.3691% | 4,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4186% | 1,839 |
| Loan loss allowance to noncurrent loans | 245.7196% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.6990% | 812 |
| Noncurrent loans to loans | 0.5773% | 1,603 |
| Net loans and leases to total assets | 54.5634% | 2,682 |
| Net loans and leases to deposits | 81.8523% | 1,024 |
| Net loans and leases to core deposits | 128.8161% | 97 |
| Total domestic deposits to total assets | 66.6608% | 4,686 |
| Equity capital to assets | 11.7341% | 1,049 |
| Core capital (leverage) ratio | 11.4394% | 1,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2775% | 1,004 |
| Memoranda: | ||
| Average total assets | $1,046,544,500 | 946 |
| Average earning assets | $971,866,000 | 938 |
| Average equity | $125,090,000 | 823 |
| Average total loans | $575,985,000 | 1,047 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5272% | 2,583 |
| Cost of funding earning assets | 1.3234% | 15 |
| Net interest margin | 2.2038% | 4,485 |
| Noninterest income to average assets | 0.1795% | 4,255 |
| Noninterest expense to average assets | 1.5272% | 4,509 |
| Loan and lease loss provision to assets | 0.0175% | 2,721 |
| Net operating income to assets | 0.5944% | 3,888 |
| Return on assets (ROA) | 0.7199% | 3,632 |
| Pretax return on assets | 0.8384% | 3,649 |
| Return on Equity (ROE) | 6.3543% | 3,688 |
| Retained earnings to average equity (ytd only) | 1.7139% | 4,067 |
| Net charge-offs to loans | 0.0221% | 1,820 |
| Credit loss provision to net charge-offs | 147.0588% | 1,502 |
| Earnings coverage of net charge-offs (x) | 59.5735% | 1,181 |
| Efficiency ratio | 67.9096% | 1,994 |
| Assets per employee ($millions) | 11.9139% | 407 |
| Cash dividends to net income (ytd only)* | 73.0282% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4122% | 1,881 |
| Loan loss allowance to noncurrent loans | 104.0338% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 1.1222% | 462 |
| Noncurrent loans to loans | 1.3574% | 687 |
| Net loans and leases to total assets | 53.9736% | 2,858 |
| Net loans and leases to deposits | 80.8612% | 1,144 |
| Net loans and leases to core deposits | 125.8452% | 123 |
| Total domestic deposits to total assets | 66.7485% | 4,721 |
| Equity capital to assets | 12.1561% | 1,188 |
| Core capital (leverage) ratio | 11.7342% | 1,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5063% | 966 |
| Memoranda: | ||
| Average total assets | $1,141,257,000 | 866 |
| Average earning assets | $1,065,580,000 | 857 |
| Average equity | $129,297,600 | 803 |
| Average total loans | $616,368,600 | 980 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5019% | 2,839 |
| Cost of funding earning assets | 1.3332% | 19 |
| Net interest margin | 2.1686% | 4,587 |
| Noninterest income to average assets | 0.1866% | 4,266 |
| Noninterest expense to average assets | 1.5333% | 4,554 |
| Loan and lease loss provision to assets | 0.0231% | 2,529 |
| Net operating income to assets | 0.5609% | 4,079 |
| Return on assets (ROA) | 0.7243% | 3,773 |
| Pretax return on assets | 0.8478% | 3,804 |
| Return on Equity (ROE) | 6.5041% | 3,795 |
| Retained earnings to average equity (ytd only) | 0.2870% | 4,523 |
| Net charge-offs to loans | 0.0002% | 2,458 |
| Credit loss provision to net charge-offs | 20,000.0000% | 31 |
| Earnings coverage of net charge-offs (x) | 5,882.0000% | 21 |
| Efficiency ratio | 68.9583% | 1,711 |
| Assets per employee ($millions) | 12.3647% | 346 |
| Cash dividends to net income (ytd only)* | 95.5871% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3590% | 2,185 |
| Loan loss allowance to noncurrent loans | 101.6470% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 1.1347% | 543 |
| Noncurrent loans to loans | 1.3370% | 800 |
| Net loans and leases to total assets | 56.1773% | 2,708 |
| Net loans and leases to deposits | 86.5753% | 795 |
| Net loans and leases to core deposits | 136.3907% | 92 |
| Total domestic deposits to total assets | 64.8883% | 4,801 |
| Equity capital to assets | 11.6328% | 1,586 |
| Core capital (leverage) ratio | 11.2953% | 1,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5497% | 1,237 |
| Memoranda: | ||
| Average total assets | $1,155,529,500 | 866 |
| Average earning assets | $1,079,248,750 | 858 |
| Average equity | $128,674,000 | 817 |
| Average total loans | $622,074,250 | 989 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4261% | 3,097 |
| Cost of funding earning assets | 1.3312% | 23 |
| Net interest margin | 2.0949% | 4,656 |
| Noninterest income to average assets | 0.1947% | 4,223 |
| Noninterest expense to average assets | 1.4863% | 4,630 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5734% | 4,038 |
| Return on assets (ROA) | 0.7123% | 3,798 |
| Pretax return on assets | 0.8287% | 3,808 |
| Return on Equity (ROE) | 6.4875% | 3,790 |
| Retained earnings to average equity (ytd only) | 0.2809% | 4,467 |
| Net charge-offs to loans | -0.0122% | 3,753 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6630% | 1,803 |
| Assets per employee ($millions) | 11.5918% | 394 |
| Cash dividends to net income (ytd only)* | 95.6709% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3518% | 2,181 |
| Loan loss allowance to noncurrent loans | 93.6981% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 1.1339% | 627 |
| Noncurrent loans to loans | 1.4427% | 803 |
| Net loans and leases to total assets | 54.2322% | 3,105 |
| Net loans and leases to deposits | 83.0307% | 1,123 |
| Net loans and leases to core deposits | 132.4216% | 117 |
| Total domestic deposits to total assets | 65.3158% | 4,829 |
| Equity capital to assets | 11.4905% | 1,635 |
| Core capital (leverage) ratio | 10.8296% | 1,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8154% | 1,169 |
| Memoranda: | ||
| Average total assets | $1,173,887,667 | 846 |
| Average earning assets | $1,097,639,667 | 839 |
| Average equity | $128,894,000 | 812 |
| Average total loans | $620,524,667 | 991 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3676% | 3,290 |
| Cost of funding earning assets | 1.3307% | 34 |
| Net interest margin | 2.0369% | 4,713 |
| Noninterest income to average assets | 0.1942% | 4,222 |
| Noninterest expense to average assets | 1.4196% | 4,724 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5980% | 3,951 |
| Return on assets (ROA) | 0.6137% | 3,971 |
| Pretax return on assets | 0.7031% | 4,010 |
| Return on Equity (ROE) | 5.7138% | 3,944 |
| Retained earnings to average equity (ytd only) | -0.5002% | 4,412 |
| Net charge-offs to loans | -0.0225% | 4,052 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0842% | 2,061 |
| Assets per employee ($millions) | 12.2857% | 323 |
| Cash dividends to net income (ytd only)* | 108.7548% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3275% | 2,307 |
| Loan loss allowance to noncurrent loans | 63.9930% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 1.0841% | 743 |
| Noncurrent loans to loans | 2.0744% | 505 |
| Net loans and leases to total assets | 51.5678% | 3,489 |
| Net loans and leases to deposits | 77.9954% | 1,715 |
| Net loans and leases to core deposits | 124.6319% | 198 |
| Total domestic deposits to total assets | 66.1165% | 4,835 |
| Equity capital to assets | 10.6338% | 2,145 |
| Core capital (leverage) ratio | 10.4865% | 2,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7405% | 1,115 |
| Memoranda: | ||
| Average total assets | $1,198,630,000 | 824 |
| Average earning assets | $1,124,256,000 | 815 |
| Average equity | $128,741,000 | 806 |
| Average total loans | $621,715,000 | 987 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4672% | 4,083 |
| Cost of funding earning assets | 1.5522% | 63 |
| Net interest margin | 1.9150% | 4,856 |
| Noninterest income to average assets | 0.1878% | 4,351 |
| Noninterest expense to average assets | 1.3388% | 4,861 |
| Loan and lease loss provision to assets | 0.2351% | 1,655 |
| Net operating income to assets | 0.3534% | 4,337 |
| Return on assets (ROA) | 0.7577% | 3,369 |
| Pretax return on assets | 0.8738% | 3,439 |
| Return on Equity (ROE) | 7.1560% | 3,141 |
| Retained earnings to average equity (ytd only) | -7.3934% | 4,876 |
| Net charge-offs to loans | 0.0185% | 2,711 |
| Credit loss provision to net charge-offs | 2,636.3636% | 364 |
| Earnings coverage of net charge-offs (x) | 72.2364% | 955 |
| Efficiency ratio | 67.0878% | 2,350 |
| Assets per employee ($millions) | 12.5606% | 288 |
| Cash dividends to net income (ytd only)* | 203.3173% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3543% | 2,175 |
| Loan loss allowance to noncurrent loans | 64.7819% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 1.0760% | 857 |
| Noncurrent loans to loans | 2.0905% | 533 |
| Net loans and leases to total assets | 50.7754% | 3,763 |
| Net loans and leases to deposits | 80.6224% | 1,800 |
| Net loans and leases to core deposits | 122.6466% | 282 |
| Total domestic deposits to total assets | 62.9793% | 4,890 |
| Equity capital to assets | 10.8485% | 2,384 |
| Core capital (leverage) ratio | 10.4182% | 2,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0690% | 1,043 |
| Memoranda: | ||
| Average total assets | $1,233,397,800 | 735 |
| Average earning assets | $1,156,293,200 | 723 |
| Average equity | $130,589,400 | 764 |
| Average total loans | $594,863,000 | 987 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4709% | 4,256 |
| Cost of funding earning assets | 1.5944% | 77 |
| Net interest margin | 1.8765% | 4,921 |
| Noninterest income to average assets | 0.1904% | 4,336 |
| Noninterest expense to average assets | 1.3395% | 4,891 |
| Loan and lease loss provision to assets | 0.3110% | 1,287 |
| Net operating income to assets | 0.2594% | 4,509 |
| Return on assets (ROA) | 0.7936% | 3,234 |
| Pretax return on assets | 0.9134% | 3,342 |
| Return on Equity (ROE) | 7.5399% | 2,996 |
| Retained earnings to average equity (ytd only) | -8.7604% | 4,913 |
| Net charge-offs to loans | 0.0282% | 2,269 |
| Credit loss provision to net charge-offs | 2,320.0000% | 423 |
| Earnings coverage of net charge-offs (x) | 45.5360% | 1,262 |
| Efficiency ratio | 68.2688% | 2,145 |
| Assets per employee ($millions) | 13.2971% | 238 |
| Cash dividends to net income (ytd only)* | 216.1870% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3917% | 1,768 |
| Loan loss allowance to noncurrent loans | 63.6880% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 1.0657% | 1,011 |
| Noncurrent loans to loans | 2.1852% | 539 |
| Net loans and leases to total assets | 48.0899% | 4,209 |
| Net loans and leases to deposits | 75.9390% | 2,757 |
| Net loans and leases to core deposits | 108.9751% | 733 |
| Total domestic deposits to total assets | 63.3270% | 4,899 |
| Equity capital to assets | 10.3556% | 2,917 |
| Core capital (leverage) ratio | 10.5136% | 2,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0810% | 1,043 |
| Memoranda: | ||
| Average total assets | $1,243,432,000 | 718 |
| Average earning assets | $1,165,856,000 | 708 |
| Average equity | $130,874,000 | 753 |
| Average total loans | $590,028,500 | 989 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5499% | 4,353 |
| Cost of funding earning assets | 1.6567% | 89 |
| Net interest margin | 1.8932% | 4,969 |
| Noninterest income to average assets | 0.1398% | 4,601 |
| Noninterest expense to average assets | 1.3288% | 4,935 |
| Loan and lease loss provision to assets | 0.2000% | 2,049 |
| Net operating income to assets | 0.3184% | 4,385 |
| Return on assets (ROA) | 1.0810% | 2,152 |
| Pretax return on assets | 1.2938% | 2,048 |
| Return on Equity (ROE) | 10.2169% | 1,920 |
| Retained earnings to average equity (ytd only) | -13.9759% | 4,971 |
| Net charge-offs to loans | 0.0299% | 2,121 |
| Credit loss provision to net charge-offs | 1,420.4545% | 623 |
| Earnings coverage of net charge-offs (x) | 41.6136% | 1,223 |
| Efficiency ratio | 68.9672% | 2,092 |
| Assets per employee ($millions) | 13.3459% | 234 |
| Cash dividends to net income (ytd only)* | 236.7915% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1319% | 2,869 |
| Loan loss allowance to noncurrent loans | 49.0325% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 1.1829% | 927 |
| Noncurrent loans to loans | 2.3084% | 534 |
| Net loans and leases to total assets | 49.1975% | 4,195 |
| Net loans and leases to deposits | 79.9116% | 2,437 |
| Net loans and leases to core deposits | 105.3550% | 920 |
| Total domestic deposits to total assets | 61.5649% | 4,949 |
| Equity capital to assets | 10.6020% | 2,660 |
| Core capital (leverage) ratio | 10.2900% | 2,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9915% | 1,059 |
| Memoranda: | ||
| Average total assets | $1,250,131,000 | 696 |
| Average earning assets | $1,171,968,667 | 683 |
| Average equity | $132,270,667 | 744 |
| Average total loans | $587,837,000 | 978 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6617% | 4,453 |
| Cost of funding earning assets | 1.7367% | 111 |
| Net interest margin | 1.9250% | 5,030 |
| Noninterest income to average assets | 0.1136% | 4,777 |
| Noninterest expense to average assets | 1.3658% | 4,979 |
| Loan and lease loss provision to assets | 0.1561% | 1,838 |
| Net operating income to assets | 0.3359% | 4,271 |
| Return on assets (ROA) | 0.9484% | 2,453 |
| Pretax return on assets | 1.1367% | 2,408 |
| Return on Equity (ROE) | 8.9721% | 2,119 |
| Retained earnings to average equity (ytd only) | -5.7944% | 4,575 |
| Net charge-offs to loans | 0.0457% | 1,565 |
| Credit loss provision to net charge-offs | 746.2687% | 696 |
| Earnings coverage of net charge-offs (x) | 26.5224% | 1,252 |
| Efficiency ratio | 70.6925% | 2,259 |
| Assets per employee ($millions) | 14.7349% | 136 |
| Cash dividends to net income (ytd only)* | 164.5820% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0312% | 3,539 |
| Loan loss allowance to noncurrent loans | 44.3395% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 1.0930% | 1,194 |
| Noncurrent loans to loans | 2.3256% | 539 |
| Net loans and leases to total assets | 45.1484% | 4,461 |
| Net loans and leases to deposits | 77.8696% | 2,901 |
| Net loans and leases to core deposits | 108.5623% | 921 |
| Total domestic deposits to total assets | 57.9795% | 5,037 |
| Equity capital to assets | 10.2778% | 3,539 |
| Core capital (leverage) ratio | 10.1262% | 3,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9404% | 992 |
| Memoranda: | ||
| Average total assets | $1,281,302,000 | 653 |
| Average earning assets | $1,202,706,500 | 639 |
| Average equity | $135,441,500 | 720 |
| Average total loans | $586,229,500 | 957 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9971% | 4,262 |
| Cost of funding earning assets | 1.8116% | 134 |
| Net interest margin | 2.1855% | 5,059 |
| Noninterest income to average assets | 0.1979% | 4,476 |
| Noninterest expense to average assets | 1.3131% | 5,070 |
| Loan and lease loss provision to assets | 0.0185% | 3,642 |
| Net operating income to assets | 0.7634% | 3,659 |
| Return on assets (ROA) | 0.8570% | 3,455 |
| Pretax return on assets | 1.0371% | 3,370 |
| Return on Equity (ROE) | 7.8245% | 3,237 |
| Retained earnings to average equity (ytd only) | 4.0786% | 2,929 |
| Net charge-offs to loans | -0.0230% | 4,655 |
| Credit loss provision to net charge-offs | -165.4412% | 4,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7774% | 4,002 |
| Assets per employee ($millions) | 15.2400% | 116 |
| Cash dividends to net income (ytd only)* | 47.8744% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9301% | 3,844 |
| Loan loss allowance to noncurrent loans | 40.2241% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 1.0988% | 1,111 |
| Noncurrent loans to loans | 2.3122% | 512 |
| Net loans and leases to total assets | 45.4568% | 4,541 |
| Net loans and leases to deposits | 81.2741% | 2,639 |
| Net loans and leases to core deposits | 115.5120% | 621 |
| Total domestic deposits to total assets | 55.9302% | 5,108 |
| Equity capital to assets | 10.8571% | 3,129 |
| Core capital (leverage) ratio | 10.4155% | 3,054 |
| Tier 1 risk-based capital ratio | 18.3495% | 1,681 |
| Total risk-based capital ratio | 19.1864% | 1,726 |
| Memoranda: | ||
| Average total assets | $1,218,641,600 | 652 |
| Average earning assets | $1,147,447,600 | 633 |
| Average equity | $133,478,000 | 689 |
| Average total loans | $591,504,400 | 919 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0172% | 4,327 |
| Cost of funding earning assets | 1.8061% | 137 |
| Net interest margin | 2.2111% | 5,144 |
| Noninterest income to average assets | 0.2043% | 4,494 |
| Noninterest expense to average assets | 1.3385% | 5,129 |
| Loan and lease loss provision to assets | 0.0111% | 3,668 |
| Net operating income to assets | 0.7791% | 3,748 |
| Return on assets (ROA) | 0.8766% | 3,507 |
| Pretax return on assets | 1.0548% | 3,432 |
| Return on Equity (ROE) | 7.9844% | 3,312 |
| Retained earnings to average equity (ytd only) | 2.9220% | 3,926 |
| Net charge-offs to loans | -0.0284% | 4,685 |
| Credit loss provision to net charge-offs | -79.3651% | 4,058 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0956% | 3,923 |
| Assets per employee ($millions) | 14.8173% | 128 |
| Cash dividends to net income (ytd only)* | 63.4035% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9128% | 3,992 |
| Loan loss allowance to noncurrent loans | 38.7011% | 4,376 |
| Noncurrent assets plus other real estate owned to assets | 1.1080% | 1,181 |
| Noncurrent loans to loans | 2.3585% | 519 |
| Net loans and leases to total assets | 45.4158% | 4,636 |
| Net loans and leases to deposits | 78.1879% | 3,080 |
| Net loans and leases to core deposits | 117.6692% | 606 |
| Total domestic deposits to total assets | 58.0854% | 5,173 |
| Equity capital to assets | 10.6460% | 3,422 |
| Core capital (leverage) ratio | 10.4877% | 3,112 |
| Tier 1 risk-based capital ratio | 18.1014% | 1,786 |
| Total risk-based capital ratio | 18.9378% | 1,863 |
| Memoranda: | ||
| Average total assets | $1,199,451,750 | 663 |
| Average earning assets | $1,129,702,500 | 640 |
| Average equity | $131,686,750 | 696 |
| Average total loans | $590,786,500 | 920 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0690% | 4,233 |
| Cost of funding earning assets | 1.7923% | 133 |
| Net interest margin | 2.2768% | 5,196 |
| Noninterest income to average assets | 0.2090% | 4,489 |
| Noninterest expense to average assets | 1.3985% | 5,162 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7971% | 3,665 |
| Return on assets (ROA) | 0.8873% | 3,398 |
| Pretax return on assets | 1.0618% | 3,345 |
| Return on Equity (ROE) | 7.9931% | 3,295 |
| Retained earnings to average equity (ytd only) | 1.8315% | 4,167 |
| Net charge-offs to loans | -0.0552% | 4,852 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0086% | 3,859 |
| Assets per employee ($millions) | 13.8525% | 135 |
| Cash dividends to net income (ytd only)* | 77.0861% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9006% | 4,088 |
| Loan loss allowance to noncurrent loans | 40.2903% | 4,376 |
| Noncurrent assets plus other real estate owned to assets | 1.1460% | 1,172 |
| Noncurrent loans to loans | 2.2352% | 595 |
| Net loans and leases to total assets | 49.2318% | 4,512 |
| Net loans and leases to deposits | 79.9439% | 2,962 |
| Net loans and leases to core deposits | 121.6999% | 498 |
| Total domestic deposits to total assets | 61.5829% | 5,198 |
| Equity capital to assets | 11.1491% | 2,907 |
| Core capital (leverage) ratio | 10.8204% | 2,770 |
| Tier 1 risk-based capital ratio | 18.4382% | 1,689 |
| Total risk-based capital ratio | 19.2877% | 1,753 |
| Memoranda: | ||
| Average total assets | $1,169,568,000 | 675 |
| Average earning assets | $1,101,292,670 | 660 |
| Average equity | $129,836,330 | 702 |
| Average total loans | $590,765,670 | 922 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0786% | 4,186 |
| Cost of funding earning assets | 1.7622% | 120 |
| Net interest margin | 2.3164% | 5,251 |
| Noninterest income to average assets | 0.2082% | 4,502 |
| Noninterest expense to average assets | 1.4054% | 5,219 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8447% | 3,470 |
| Return on assets (ROA) | 0.8447% | 3,511 |
| Pretax return on assets | 0.9856% | 3,492 |
| Return on Equity (ROE) | 7.6264% | 3,412 |
| Retained earnings to average equity (ytd only) | 7.6264% | 1,798 |
| Net charge-offs to loans | -0.0407% | 4,769 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3598% | 4,028 |
| Assets per employee ($millions) | 14.6613% | 113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8908% | 4,200 |
| Loan loss allowance to noncurrent loans | 38.6784% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 1.1593% | 1,167 |
| Noncurrent loans to loans | 2.3031% | 593 |
| Net loans and leases to total assets | 48.3732% | 4,567 |
| Net loans and leases to deposits | 70.0801% | 3,759 |
| Net loans and leases to core deposits | 117.0114% | 614 |
| Total domestic deposits to total assets | 69.0255% | 5,140 |
| Equity capital to assets | 10.8525% | 2,993 |
| Core capital (leverage) ratio | 11.0585% | 2,518 |
| Tier 1 risk-based capital ratio | 18.9033% | 1,565 |
| Total risk-based capital ratio | 19.7340% | 1,615 |
| Memoranda: | ||
| Average total assets | $1,158,693,500 | 687 |
| Average earning assets | $1,091,844,500 | 669 |
| Average equity | $128,344,000 | 709 |
| Average total loans | $590,230,000 | 929 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8443% | 4,399 |
| Cost of funding earning assets | 1.2764% | 245 |
| Net interest margin | 2.5680% | 5,175 |
| Noninterest income to average assets | 0.3018% | 4,084 |
| Noninterest expense to average assets | 1.4991% | 5,227 |
| Loan and lease loss provision to assets | 0.0588% | 2,988 |
| Net operating income to assets | 0.9524% | 3,215 |
| Return on assets (ROA) | 0.9218% | 3,349 |
| Pretax return on assets | 1.1169% | 3,214 |
| Return on Equity (ROE) | 7.5491% | 3,640 |
| Retained earnings to average equity (ytd only) | 3.5366% | 3,642 |
| Net charge-offs to loans | 0.0183% | 3,088 |
| Credit loss provision to net charge-offs | 550.4587% | 634 |
| Earnings coverage of net charge-offs (x) | 113.5229% | 673 |
| Efficiency ratio | 54.7955% | 4,548 |
| Assets per employee ($millions) | 13.2757% | 145 |
| Cash dividends to net income (ytd only)* | 53.1519% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8703% | 4,299 |
| Loan loss allowance to noncurrent loans | 37.8036% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 1.3177% | 963 |
| Noncurrent loans to loans | 2.3023% | 551 |
| Net loans and leases to total assets | 52.7736% | 4,370 |
| Net loans and leases to deposits | 77.5411% | 3,223 |
| Net loans and leases to core deposits | 114.5761% | 758 |
| Total domestic deposits to total assets | 68.0590% | 5,205 |
| Equity capital to assets | 11.3182% | 2,400 |
| Core capital (leverage) ratio | 11.5482% | 2,063 |
| Tier 1 risk-based capital ratio | 19.2810% | 1,456 |
| Total risk-based capital ratio | 20.1247% | 1,504 |
| Memoranda: | ||
| Average total assets | $1,020,493,000 | 752 |
| Average earning assets | $957,640,400 | 734 |
| Average equity | $124,611,400 | 694 |
| Average total loans | $596,631,400 | 901 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8239% | 4,380 |
| Cost of funding earning assets | 1.1747% | 292 |
| Net interest margin | 2.6492% | 5,195 |
| Noninterest income to average assets | 0.3531% | 3,772 |
| Noninterest expense to average assets | 1.5203% | 5,264 |
| Loan and lease loss provision to assets | 0.0803% | 2,351 |
| Net operating income to assets | 1.0232% | 2,994 |
| Return on assets (ROA) | 0.9815% | 3,180 |
| Pretax return on assets | 1.1869% | 3,041 |
| Return on Equity (ROE) | 7.8768% | 3,595 |
| Retained earnings to average equity (ytd only) | 2.5097% | 4,394 |
| Net charge-offs to loans | 0.0243% | 2,642 |
| Credit loss provision to net charge-offs | 550.4587% | 641 |
| Earnings coverage of net charge-offs (x) | 90.3668% | 818 |
| Efficiency ratio | 53.0967% | 4,700 |
| Assets per employee ($millions) | 13.5051% | 138 |
| Cash dividends to net income (ytd only)* | 68.1384% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8497% | 4,462 |
| Loan loss allowance to noncurrent loans | 38.5914% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 1.3342% | 1,010 |
| Noncurrent loans to loans | 2.2018% | 640 |
| Net loans and leases to total assets | 55.8060% | 4,234 |
| Net loans and leases to deposits | 76.1493% | 3,406 |
| Net loans and leases to core deposits | 112.8826% | 872 |
| Total domestic deposits to total assets | 73.2850% | 5,038 |
| Equity capital to assets | 11.2659% | 2,417 |
| Core capital (leverage) ratio | 11.8625% | 1,868 |
| Tier 1 risk-based capital ratio | 18.7554% | 1,597 |
| Total risk-based capital ratio | 19.5902% | 1,661 |
| Memoranda: | ||
| Average total assets | $996,826,000 | 764 |
| Average earning assets | $934,906,000 | 751 |
| Average equity | $124,210,250 | 695 |
| Average total loans | $597,369,750 | 898 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8084% | 4,327 |
| Cost of funding earning assets | 1.0652% | 340 |
| Net interest margin | 2.7432% | 5,178 |
| Noninterest income to average assets | 0.4229% | 3,336 |
| Noninterest expense to average assets | 1.5427% | 5,311 |
| Loan and lease loss provision to assets | 0.0980% | 1,976 |
| Net operating income to assets | 1.0543% | 2,790 |
| Return on assets (ROA) | 0.9930% | 3,056 |
| Pretax return on assets | 1.2746% | 2,615 |
| Return on Equity (ROE) | 7.6951% | 3,627 |
| Retained earnings to average equity (ytd only) | 7.6951% | 1,756 |
| Net charge-offs to loans | 0.0370% | 2,108 |
| Credit loss provision to net charge-offs | 431.8182% | 776 |
| Earnings coverage of net charge-offs (x) | 63.8727% | 958 |
| Efficiency ratio | 51.0759% | 4,962 |
| Assets per employee ($millions) | 12.8604% | 156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8298% | 4,605 |
| Loan loss allowance to noncurrent loans | 35.3630% | 4,670 |
| Noncurrent assets plus other real estate owned to assets | 1.3938% | 997 |
| Noncurrent loans to loans | 2.3465% | 576 |
| Net loans and leases to total assets | 58.5574% | 3,947 |
| Net loans and leases to deposits | 83.2464% | 2,617 |
| Net loans and leases to core deposits | 112.1589% | 876 |
| Total domestic deposits to total assets | 70.3422% | 5,265 |
| Equity capital to assets | 12.1921% | 1,725 |
| Core capital (leverage) ratio | 12.7358% | 1,333 |
| Tier 1 risk-based capital ratio | 19.6663% | 1,388 |
| Total risk-based capital ratio | 20.4997% | 1,445 |
| Memoranda: | ||
| Average total assets | $968,965,670 | 792 |
| Average earning assets | $907,778,330 | 773 |
| Average equity | $125,041,000 | 686 |
| Average total loans | $593,793,330 | 900 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8028% | 4,210 |
| Cost of funding earning assets | 0.9683% | 432 |
| Net interest margin | 2.8345% | 5,119 |
| Noninterest income to average assets | 0.2675% | 4,388 |
| Noninterest expense to average assets | 1.6093% | 5,320 |
| Loan and lease loss provision to assets | 0.0639% | 2,491 |
| Net operating income to assets | 0.9674% | 2,997 |
| Return on assets (ROA) | 0.9674% | 3,023 |
| Pretax return on assets | 1.2464% | 2,569 |
| Return on Equity (ROE) | 7.2763% | 3,674 |
| Retained earnings to average equity (ytd only) | 7.2763% | 2,157 |
| Net charge-offs to loans | -0.0095% | 4,228 |
| Credit loss provision to net charge-offs | -1,071.4286% | 4,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6250% | 4,724 |
| Assets per employee ($millions) | 11.5162% | 213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8216% | 4,726 |
| Loan loss allowance to noncurrent loans | 34.5268% | 4,731 |
| Noncurrent assets plus other real estate owned to assets | 1.4938% | 931 |
| Noncurrent loans to loans | 2.3796% | 589 |
| Net loans and leases to total assets | 61.8831% | 3,567 |
| Net loans and leases to deposits | 85.5249% | 2,227 |
| Net loans and leases to core deposits | 110.4976% | 970 |
| Total domestic deposits to total assets | 72.3568% | 5,262 |
| Equity capital to assets | 13.2087% | 1,155 |
| Core capital (leverage) ratio | 13.0949% | 1,142 |
| Tier 1 risk-based capital ratio | 20.2084% | 1,308 |
| Total risk-based capital ratio | 21.0520% | 1,350 |
| Memoranda: | ||
| Average total assets | $939,034,000 | 813 |
| Average earning assets | $878,611,000 | 803 |
| Average equity | $124,843,500 | 689 |
| Average total loans | $586,942,000 | 914 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9002% | 3,725 |
| Cost of funding earning assets | 0.8250% | 542 |
| Net interest margin | 3.0751% | 4,737 |
| Noninterest income to average assets | 0.2743% | 4,486 |
| Noninterest expense to average assets | 2.1173% | 4,730 |
| Loan and lease loss provision to assets | 0.3658% | 417 |
| Net operating income to assets | 0.2962% | 4,935 |
| Return on assets (ROA) | 0.3145% | 4,921 |
| Pretax return on assets | 0.6850% | 4,545 |
| Return on Equity (ROE) | 2.2521% | 5,005 |
| Retained earnings to average equity (ytd only) | 2.2521% | 3,968 |
| Net charge-offs to loans | 0.3464% | 738 |
| Credit loss provision to net charge-offs | 168.1539% | 1,597 |
| Earnings coverage of net charge-offs (x) | 4.6994% | 3,427 |
| Efficiency ratio | 66.8625% | 3,104 |
| Assets per employee ($millions) | 11.5276% | 214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7998% | 4,832 |
| Loan loss allowance to noncurrent loans | 28.8838% | 4,869 |
| Noncurrent assets plus other real estate owned to assets | 1.7727% | 709 |
| Noncurrent loans to loans | 2.7689% | 436 |
| Net loans and leases to total assets | 62.1145% | 3,604 |
| Net loans and leases to deposits | 87.5018% | 2,082 |
| Net loans and leases to core deposits | 109.7037% | 1,027 |
| Total domestic deposits to total assets | 70.9865% | 5,364 |
| Equity capital to assets | 13.3820% | 1,104 |
| Core capital (leverage) ratio | 13.1381% | 1,101 |
| Tier 1 risk-based capital ratio | 20.9285% | 1,157 |
| Total risk-based capital ratio | 21.7961% | 1,193 |
| Memoranda: | ||
| Average total assets | $824,199,000 | 904 |
| Average earning assets | $767,963,200 | 895 |
| Average equity | $115,094,800 | 710 |
| Average total loans | $517,536,000 | 989 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9406% | 3,550 |
| Cost of funding earning assets | 0.7976% | 587 |
| Net interest margin | 3.1430% | 4,593 |
| Noninterest income to average assets | 0.2988% | 4,393 |
| Noninterest expense to average assets | 2.2539% | 4,411 |
| Loan and lease loss provision to assets | 0.4694% | 263 |
| Net operating income to assets | 0.3827% | 5,031 |
| Return on assets (ROA) | 0.4126% | 5,001 |
| Pretax return on assets | 0.5398% | 4,948 |
| Return on Equity (ROE) | 2.9192% | 5,128 |
| Retained earnings to average equity (ytd only) | 2.9192% | 4,168 |
| Net charge-offs to loans | 0.4774% | 431 |
| Credit loss provision to net charge-offs | 156.4417% | 1,634 |
| Earnings coverage of net charge-offs (x) | 3.2326% | 3,365 |
| Efficiency ratio | 69.3346% | 2,646 |
| Assets per employee ($millions) | 10.6951% | 255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7756% | 4,961 |
| Loan loss allowance to noncurrent loans | 29.0057% | 4,959 |
| Noncurrent assets plus other real estate owned to assets | 1.7352% | 818 |
| Noncurrent loans to loans | 2.6740% | 536 |
| Net loans and leases to total assets | 63.5962% | 3,472 |
| Net loans and leases to deposits | 88.1728% | 2,034 |
| Net loans and leases to core deposits | 91.4000% | 2,502 |
| Total domestic deposits to total assets | 72.1268% | 5,366 |
| Equity capital to assets | 13.9405% | 1,012 |
| Core capital (leverage) ratio | 13.5694% | 1,000 |
| Tier 1 risk-based capital ratio | 21.9412% | 1,049 |
| Total risk-based capital ratio | 22.8325% | 1,082 |
| Memoranda: | ||
| Average total assets | $796,814,000 | 944 |
| Average earning assets | $741,524,000 | 934 |
| Average equity | $112,630,250 | 735 |
| Average total loans | $500,754,250 | 1,030 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9764% | 3,298 |
| Cost of funding earning assets | 0.7757% | 595 |
| Net interest margin | 3.2007% | 4,421 |
| Noninterest income to average assets | 0.3127% | 4,302 |
| Noninterest expense to average assets | 2.6295% | 3,344 |
| Loan and lease loss provision to assets | 0.6278% | 178 |
| Net operating income to assets | 0.0364% | 5,535 |
| Return on assets (ROA) | 0.0548% | 5,529 |
| Pretax return on assets | 0.0493% | 5,527 |
| Return on Equity (ROE) | 0.3855% | 5,531 |
| Retained earnings to average equity (ytd only) | 0.3855% | 4,997 |
| Net charge-offs to loans | 0.7529% | 260 |
| Credit loss provision to net charge-offs | 133.7242% | 1,646 |
| Earnings coverage of net charge-offs (x) | 1.4031% | 3,285 |
| Efficiency ratio | 79.3686% | 1,284 |
| Assets per employee ($millions) | 10.1510% | 290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7399% | 5,114 |
| Loan loss allowance to noncurrent loans | 25.2191% | 5,046 |
| Noncurrent assets plus other real estate owned to assets | 1.8652% | 720 |
| Noncurrent loans to loans | 2.9337% | 447 |
| Net loans and leases to total assets | 62.3632% | 3,588 |
| Net loans and leases to deposits | 86.5368% | 2,160 |
| Net loans and leases to core deposits | 90.0627% | 2,521 |
| Total domestic deposits to total assets | 72.0656% | 5,449 |
| Equity capital to assets | 14.0697% | 938 |
| Core capital (leverage) ratio | 13.4643% | 1,006 |
| Tier 1 risk-based capital ratio | 22.4301% | 998 |
| Total risk-based capital ratio | 23.2651% | 1,032 |
| Memoranda: | ||
| Average total assets | $762,954,670 | 979 |
| Average earning assets | $709,278,000 | 977 |
| Average equity | $108,427,000 | 757 |
| Average total loans | $475,736,000 | 1,088 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0986% | 2,656 |
| Cost of funding earning assets | 0.8111% | 454 |
| Net interest margin | 3.2875% | 4,057 |
| Noninterest income to average assets | 0.3271% | 4,205 |
| Noninterest expense to average assets | 3.8133% | 673 |
| Loan and lease loss provision to assets | 1.3363% | 60 |
| Net operating income to assets | -1.1227% | 5,785 |
| Return on assets (ROA) | -1.1227% | 5,786 |
| Pretax return on assets | -1.7629% | 5,808 |
| Return on Equity (ROE) | -7.8516% | 5,770 |
| Retained earnings to average equity (ytd only) | -7.8516% | 5,519 |
| Net charge-offs to loans | 1.7507% | 88 |
| Credit loss provision to net charge-offs | 122.9849% | 1,366 |
| Earnings coverage of net charge-offs (x) | -0.3926% | 2,867 |
| Efficiency ratio | 111.9786% | 107 |
| Assets per employee ($millions) | 14.0699% | 107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7410% | 5,223 |
| Loan loss allowance to noncurrent loans | 23.7286% | 5,142 |
| Noncurrent assets plus other real estate owned to assets | 1.9677% | 672 |
| Noncurrent loans to loans | 3.1228% | 427 |
| Net loans and leases to total assets | 61.8207% | 3,562 |
| Net loans and leases to deposits | 85.6690% | 2,065 |
| Net loans and leases to core deposits | 89.7828% | 2,370 |
| Total domestic deposits to total assets | 72.1623% | 5,533 |
| Equity capital to assets | 14.1719% | 854 |
| Core capital (leverage) ratio | 14.2963% | 766 |
| Tier 1 risk-based capital ratio | 22.9042% | 988 |
| Total risk-based capital ratio | 23.7401% | 1,012 |
| Memoranda: | ||
| Average total assets | $707,940,000 | 1,042 |
| Average earning assets | $658,861,500 | 1,031 |
| Average equity | $101,227,500 | 814 |
| Average total loans | $439,364,500 | 1,159 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4235% | 4,934 |
| Cost of funding earning assets | 0.6922% | 843 |
| Net interest margin | 2.7313% | 5,382 |
| Noninterest income to average assets | 0.2264% | 5,056 |
| Noninterest expense to average assets | 1.9646% | 5,259 |
| Loan and lease loss provision to assets | 0.0747% | 2,858 |
| Net operating income to assets | 0.5408% | 4,476 |
| Return on assets (ROA) | 0.5926% | 4,352 |
| Pretax return on assets | 0.8694% | 3,946 |
| Return on Equity (ROE) | 3.3933% | 5,046 |
| Retained earnings to average equity (ytd only) | -15.3831% | 5,837 |
| Net charge-offs to loans | -0.0368% | 5,312 |
| Credit loss provision to net charge-offs | -328.0000% | 5,096 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3569% | 3,016 |
| Assets per employee ($millions) | 9.6896% | 337 |
| Cash dividends to net income (ytd only)* | 553.3354% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9786% | 4,447 |
| Loan loss allowance to noncurrent loans | 21.4734% | 5,219 |
| Noncurrent assets plus other real estate owned to assets | 2.9159% | 361 |
| Noncurrent loans to loans | 4.5573% | 198 |
| Net loans and leases to total assets | 61.1336% | 3,711 |
| Net loans and leases to deposits | 84.0112% | 2,416 |
| Net loans and leases to core deposits | 87.8070% | 2,692 |
| Total domestic deposits to total assets | 72.7684% | 5,511 |
| Equity capital to assets | 14.4864% | 735 |
| Core capital (leverage) ratio | 14.8326% | 625 |
| Tier 1 risk-based capital ratio | 26.2028% | 685 |
| Total risk-based capital ratio | 27.3049% | 678 |
| Memoranda: | ||
| Average total assets | $548,968,600 | 1,261 |
| Average earning assets | $523,821,600 | 1,227 |
| Average equity | $95,865,000 | 829 |
| Average total loans | $339,379,400 | 1,379 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4368% | 4,942 |
| Cost of funding earning assets | 0.6936% | 841 |
| Net interest margin | 2.7433% | 5,443 |
| Noninterest income to average assets | 0.2027% | 5,256 |
| Noninterest expense to average assets | 2.0205% | 5,160 |
| Loan and lease loss provision to assets | 0.0552% | 3,149 |
| Net operating income to assets | 0.5212% | 4,615 |
| Return on assets (ROA) | 0.5919% | 4,433 |
| Pretax return on assets | 0.8602% | 4,122 |
| Return on Equity (ROE) | 3.2442% | 5,159 |
| Retained earnings to average equity (ytd only) | 3.2442% | 3,964 |
| Net charge-offs to loans | -0.0496% | 5,364 |
| Credit loss provision to net charge-offs | -180.0000% | 4,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3123% | 2,680 |
| Assets per employee ($millions) | 9.0104% | 412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9388% | 4,708 |
| Loan loss allowance to noncurrent loans | 21.2507% | 5,308 |
| Noncurrent assets plus other real estate owned to assets | 2.8576% | 423 |
| Noncurrent loans to loans | 4.4176% | 222 |
| Net loans and leases to total assets | 61.7473% | 3,664 |
| Net loans and leases to deposits | 86.7816% | 2,171 |
| Net loans and leases to core deposits | 90.1208% | 2,565 |
| Total domestic deposits to total assets | 71.1525% | 5,635 |
| Equity capital to assets | 18.1421% | 333 |
| Core capital (leverage) ratio | 18.1522% | 293 |
| Tier 1 risk-based capital ratio | 34.3635% | 350 |
| Total risk-based capital ratio | 35.4937% | 348 |
| Memoranda: | ||
| Average total assets | $543,288,500 | 1,275 |
| Average earning assets | $520,974,750 | 1,230 |
| Average equity | $99,127,000 | 798 |
| Average total loans | $335,987,250 | 1,395 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4268% | 5,025 |
| Cost of funding earning assets | 0.6969% | 817 |
| Net interest margin | 2.7299% | 5,536 |
| Noninterest income to average assets | 0.2111% | 5,232 |
| Noninterest expense to average assets | 2.0339% | 5,203 |
| Loan and lease loss provision to assets | 0.0836% | 2,469 |
| Net operating income to assets | 0.4844% | 4,745 |
| Return on assets (ROA) | 0.5251% | 4,709 |
| Pretax return on assets | 0.7708% | 4,388 |
| Return on Equity (ROE) | 2.8724% | 5,275 |
| Retained earnings to average equity (ytd only) | 2.8724% | 4,076 |
| Net charge-offs to loans | -0.0753% | 5,524 |
| Credit loss provision to net charge-offs | -180.0000% | 4,704 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9091% | 2,670 |
| Assets per employee ($millions) | 8.9591% | 394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9455% | 4,779 |
| Loan loss allowance to noncurrent loans | 20.3144% | 5,409 |
| Noncurrent assets plus other real estate owned to assets | 2.9343% | 423 |
| Noncurrent loans to loans | 4.6545% | 207 |
| Net loans and leases to total assets | 61.6529% | 3,662 |
| Net loans and leases to deposits | 86.4328% | 2,199 |
| Net loans and leases to core deposits | 89.9263% | 2,539 |
| Total domestic deposits to total assets | 71.3304% | 5,709 |
| Equity capital to assets | 18.0158% | 342 |
| Core capital (leverage) ratio | 18.0181% | 296 |
| Tier 1 risk-based capital ratio | 35.7312% | 317 |
| Total risk-based capital ratio | 36.9339% | 313 |
| Memoranda: | ||
| Average total assets | $538,169,670 | 1,290 |
| Average earning assets | $515,986,000 | 1,245 |
| Average equity | $98,386,000 | 802 |
| Average total loans | $331,910,670 | 1,405 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4430% | 5,021 |
| Cost of funding earning assets | 0.7204% | 729 |
| Net interest margin | 2.7225% | 5,584 |
| Noninterest income to average assets | 0.2040% | 5,277 |
| Noninterest expense to average assets | 2.0373% | 5,251 |
| Loan and lease loss provision to assets | 0.0567% | 2,812 |
| Net operating income to assets | 0.4615% | 4,778 |
| Return on assets (ROA) | 0.4615% | 4,862 |
| Pretax return on assets | 0.7191% | 4,455 |
| Return on Equity (ROE) | 2.5055% | 5,377 |
| Retained earnings to average equity (ytd only) | 2.5055% | 4,252 |
| Net charge-offs to loans | -0.0542% | 5,368 |
| Credit loss provision to net charge-offs | -170.4545% | 4,323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4221% | 2,736 |
| Assets per employee ($millions) | 8.6604% | 447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9341% | 4,938 |
| Loan loss allowance to noncurrent loans | 19.9083% | 5,444 |
| Noncurrent assets plus other real estate owned to assets | 2.8420% | 469 |
| Noncurrent loans to loans | 4.6922% | 226 |
| Net loans and leases to total assets | 60.0030% | 3,772 |
| Net loans and leases to deposits | 81.9616% | 2,547 |
| Net loans and leases to core deposits | 85.7022% | 2,774 |
| Total domestic deposits to total assets | 73.2086% | 5,676 |
| Equity capital to assets | 18.4017% | 297 |
| Core capital (leverage) ratio | 18.4191% | 265 |
| Tier 1 risk-based capital ratio | 37.1566% | 286 |
| Total risk-based capital ratio | 38.3476% | 283 |
| Memoranda: | ||
| Average total assets | $529,523,000 | 1,314 |
| Average earning assets | $507,468,000 | 1,271 |
| Average equity | $97,543,500 | 809 |
| Average total loans | $325,002,000 | 1,424 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3647% | 5,235 |
| Cost of funding earning assets | 0.7317% | 699 |
| Net interest margin | 2.6330% | 5,729 |
| Noninterest income to average assets | 0.6277% | 2,574 |
| Noninterest expense to average assets | 2.4799% | 4,290 |
| Loan and lease loss provision to assets | 0.1291% | 1,866 |
| Net operating income to assets | 0.4880% | 4,742 |
| Return on assets (ROA) | 0.4880% | 4,830 |
| Pretax return on assets | 0.5436% | 5,007 |
| Return on Equity (ROE) | 2.6271% | 5,417 |
| Retained earnings to average equity (ytd only) | 2.6271% | 4,198 |
| Net charge-offs to loans | 0.0741% | 2,770 |
| Credit loss provision to net charge-offs | 273.8589% | 1,060 |
| Earnings coverage of net charge-offs (x) | 14.2697% | 2,316 |
| Efficiency ratio | 78.6623% | 1,866 |
| Assets per employee ($millions) | 7.9106% | 579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8988% | 5,086 |
| Loan loss allowance to noncurrent loans | 19.3941% | 5,479 |
| Noncurrent assets plus other real estate owned to assets | 2.8828% | 469 |
| Noncurrent loans to loans | 4.6342% | 225 |
| Net loans and leases to total assets | 61.6478% | 3,614 |
| Net loans and leases to deposits | 83.2503% | 2,451 |
| Net loans and leases to core deposits | 90.3328% | 2,377 |
| Total domestic deposits to total assets | 74.0512% | 5,640 |
| Equity capital to assets | 18.4409% | 284 |
| Core capital (leverage) ratio | 19.1995% | 229 |
| Tier 1 risk-based capital ratio | 39.0497% | 243 |
| Total risk-based capital ratio | 40.2708% | 240 |
| Memoranda: | ||
| Average total assets | $511,239,600 | 1,310 |
| Average earning assets | $490,230,600 | 1,274 |
| Average equity | $94,970,000 | 801 |
| Average total loans | $325,136,400 | 1,371 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3998% | 5,204 |
| Cost of funding earning assets | 0.7447% | 667 |
| Net interest margin | 2.6551% | 5,783 |
| Noninterest income to average assets | 0.7514% | 2,015 |
| Noninterest expense to average assets | 2.5973% | 3,894 |
| Loan and lease loss provision to assets | 0.1730% | 1,225 |
| Net operating income to assets | 0.5233% | 4,710 |
| Return on assets (ROA) | 0.5233% | 4,796 |
| Pretax return on assets | 0.5283% | 5,153 |
| Return on Equity (ROE) | 2.8119% | 5,450 |
| Retained earnings to average equity (ytd only) | 2.8119% | 4,432 |
| Net charge-offs to loans | 0.0943% | 2,220 |
| Credit loss provision to net charge-offs | 286.9565% | 1,005 |
| Earnings coverage of net charge-offs (x) | 11.6304% | 2,471 |
| Efficiency ratio | 78.7378% | 1,852 |
| Assets per employee ($millions) | 7.2664% | 769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9285% | 5,080 |
| Loan loss allowance to noncurrent loans | 21.0307% | 5,562 |
| Noncurrent assets plus other real estate owned to assets | 3.0402% | 491 |
| Noncurrent loans to loans | 4.4150% | 255 |
| Net loans and leases to total assets | 64.2155% | 3,275 |
| Net loans and leases to deposits | 81.9147% | 2,656 |
| Net loans and leases to core deposits | 89.5897% | 2,503 |
| Total domestic deposits to total assets | 78.3931% | 5,113 |
| Equity capital to assets | 19.7459% | 246 |
| Core capital (leverage) ratio | 19.5095% | 224 |
| Tier 1 risk-based capital ratio | 41.7548% | 228 |
| Total risk-based capital ratio | 43.0068% | 227 |
| Memoranda: | ||
| Average total assets | $508,524,250 | 1,326 |
| Average earning assets | $487,855,750 | 1,286 |
| Average equity | $94,642,500 | 812 |
| Average total loans | $325,224,750 | 1,377 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3764% | 5,279 |
| Cost of funding earning assets | 0.7483% | 654 |
| Net interest margin | 2.6281% | 5,851 |
| Noninterest income to average assets | 0.9958% | 1,193 |
| Noninterest expense to average assets | 2.5823% | 3,968 |
| Loan and lease loss provision to assets | 0.1978% | 1,000 |
| Net operating income to assets | 0.7527% | 3,631 |
| Return on assets (ROA) | 0.7527% | 3,729 |
| Pretax return on assets | 0.7395% | 4,524 |
| Return on Equity (ROE) | 4.1234% | 4,969 |
| Retained earnings to average equity (ytd only) | 4.1234% | 3,397 |
| Net charge-offs to loans | 0.2052% | 1,227 |
| Credit loss provision to net charge-offs | 151.3353% | 1,523 |
| Earnings coverage of net charge-offs (x) | 7.1721% | 2,699 |
| Efficiency ratio | 73.3693% | 2,770 |
| Assets per employee ($millions) | 6.4492% | 1,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8349% | 5,507 |
| Loan loss allowance to noncurrent loans | 17.3122% | 5,708 |
| Noncurrent assets plus other real estate owned to assets | 3.0694% | 533 |
| Noncurrent loans to loans | 4.8226% | 250 |
| Net loans and leases to total assets | 63.1143% | 3,398 |
| Net loans and leases to deposits | 79.4745% | 2,852 |
| Net loans and leases to core deposits | 86.8500% | 2,670 |
| Total domestic deposits to total assets | 79.4146% | 5,003 |
| Equity capital to assets | 18.8824% | 272 |
| Core capital (leverage) ratio | 18.7801% | 245 |
| Tier 1 risk-based capital ratio | 41.3845% | 234 |
| Total risk-based capital ratio | 42.6130% | 233 |
| Memoranda: | ||
| Average total assets | $515,749,000 | 1,323 |
| Average earning assets | $495,267,000 | 1,274 |
| Average equity | $94,145,670 | 823 |
| Average total loans | $328,445,330 | 1,363 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4345% | 5,132 |
| Cost of funding earning assets | 0.7474% | 668 |
| Net interest margin | 2.6872% | 5,823 |
| Noninterest income to average assets | 1.5736% | 496 |
| Noninterest expense to average assets | 2.5321% | 4,164 |
| Loan and lease loss provision to assets | 0.2298% | 756 |
| Net operating income to assets | 1.4097% | 1,016 |
| Return on assets (ROA) | 1.4097% | 1,072 |
| Pretax return on assets | 1.3928% | 1,912 |
| Return on Equity (ROE) | 7.8527% | 3,034 |
| Retained earnings to average equity (ytd only) | 7.8527% | 1,625 |
| Net charge-offs to loans | 0.2550% | 942 |
| Credit loss provision to net charge-offs | 141.5094% | 1,300 |
| Earnings coverage of net charge-offs (x) | 9.9906% | 1,968 |
| Efficiency ratio | 60.9441% | 4,975 |
| Assets per employee ($millions) | 6.5537% | 1,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7832% | 5,734 |
| Loan loss allowance to noncurrent loans | 16.6025% | 5,752 |
| Noncurrent assets plus other real estate owned to assets | 3.0108% | 627 |
| Noncurrent loans to loans | 4.7173% | 308 |
| Net loans and leases to total assets | 63.3243% | 3,189 |
| Net loans and leases to deposits | 79.0965% | 2,672 |
| Net loans and leases to core deposits | 86.1688% | 2,529 |
| Total domestic deposits to total assets | 80.0595% | 5,039 |
| Equity capital to assets | 18.3644% | 304 |
| Core capital (leverage) ratio | 18.2584% | 273 |
| Tier 1 risk-based capital ratio | 40.4464% | 254 |
| Total risk-based capital ratio | 41.6255% | 252 |
| Memoranda: | ||
| Average total assets | $522,106,000 | 1,313 |
| Average earning assets | $501,493,500 | 1,261 |
| Average equity | $93,726,000 | 825 |
| Average total loans | $332,588,000 | 1,353 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3332% | 5,654 |
| Cost of funding earning assets | 0.7355% | 920 |
| Net interest margin | 2.5977% | 6,076 |
| Noninterest income to average assets | 0.2252% | 5,516 |
| Noninterest expense to average assets | 2.1314% | 5,506 |
| Loan and lease loss provision to assets | 0.0605% | 3,317 |
| Net operating income to assets | 0.3749% | 5,308 |
| Return on assets (ROA) | 0.4312% | 5,194 |
| Pretax return on assets | 0.6030% | 4,927 |
| Return on Equity (ROE) | 2.4661% | 5,640 |
| Retained earnings to average equity (ytd only) | 2.4661% | 4,471 |
| Net charge-offs to loans | 0.0516% | 3,797 |
| Credit loss provision to net charge-offs | 187.5000% | 1,306 |
| Earnings coverage of net charge-offs (x) | 18.1310% | 1,862 |
| Efficiency ratio | 78.4537% | 2,143 |
| Assets per employee ($millions) | 6.8348% | 912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7469% | 5,888 |
| Loan loss allowance to noncurrent loans | 43.6910% | 5,269 |
| Noncurrent assets plus other real estate owned to assets | 1.1526% | 2,460 |
| Noncurrent loans to loans | 1.7094% | 1,709 |
| Net loans and leases to total assets | 63.1288% | 3,342 |
| Net loans and leases to deposits | 78.5358% | 2,906 |
| Net loans and leases to core deposits | 85.5572% | 2,729 |
| Total domestic deposits to total assets | 80.3822% | 4,913 |
| Equity capital to assets | 17.5151% | 362 |
| Core capital (leverage) ratio | 17.7774% | 301 |
| Tier 1 risk-based capital ratio | 38.6584% | 255 |
| Total risk-based capital ratio | 39.6994% | 259 |
| Memoranda: | ||
| Average total assets | $520,355,600 | 1,290 |
| Average earning assets | $499,102,400 | 1,235 |
| Average equity | $90,992,200 | 807 |
| Average total loans | $325,401,000 | 1,346 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3213% | 5,725 |
| Cost of funding earning assets | 0.7242% | 1,021 |
| Net interest margin | 2.5971% | 6,138 |
| Noninterest income to average assets | 0.1054% | 6,226 |
| Noninterest expense to average assets | 2.1305% | 5,507 |
| Loan and lease loss provision to assets | 0.0617% | 3,120 |
| Net operating income to assets | 0.2935% | 5,606 |
| Return on assets (ROA) | 0.4345% | 5,206 |
| Pretax return on assets | 0.5974% | 5,042 |
| Return on Equity (ROE) | 2.4859% | 5,709 |
| Retained earnings to average equity (ytd only) | 2.4859% | 4,805 |
| Net charge-offs to loans | 0.0693% | 3,207 |
| Credit loss provision to net charge-offs | 142.8571% | 1,647 |
| Earnings coverage of net charge-offs (x) | 10.7919% | 2,502 |
| Efficiency ratio | 82.0566% | 1,615 |
| Assets per employee ($millions) | 7.2899% | 705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7496% | 5,996 |
| Loan loss allowance to noncurrent loans | 41.2485% | 5,413 |
| Noncurrent assets plus other real estate owned to assets | 1.1887% | 2,582 |
| Noncurrent loans to loans | 1.8174% | 1,773 |
| Net loans and leases to total assets | 61.1700% | 3,604 |
| Net loans and leases to deposits | 75.7235% | 3,211 |
| Net loans and leases to core deposits | 81.7743% | 3,121 |
| Total domestic deposits to total assets | 80.7808% | 4,886 |
| Equity capital to assets | 17.3639% | 394 |
| Core capital (leverage) ratio | 17.9520% | 305 |
| Tier 1 risk-based capital ratio | 40.5203% | 234 |
| Total risk-based capital ratio | 41.5874% | 231 |
| Memoranda: | ||
| Average total assets | $518,875,000 | 1,307 |
| Average earning assets | $497,666,000 | 1,248 |
| Average equity | $90,695,750 | 816 |
| Average total loans | $323,068,000 | 1,359 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3158% | 5,769 |
| Cost of funding earning assets | 0.7329% | 1,006 |
| Net interest margin | 2.5830% | 6,192 |
| Noninterest income to average assets | 0.1869% | 5,838 |
| Noninterest expense to average assets | 2.1239% | 5,574 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3981% | 5,228 |
| Return on assets (ROA) | 0.4740% | 4,986 |
| Pretax return on assets | 0.6435% | 4,805 |
| Return on Equity (ROE) | 2.7057% | 5,623 |
| Retained earnings to average equity (ytd only) | 2.7057% | 4,479 |
| Net charge-offs to loans | 0.1040% | 2,643 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 8.3214% | 2,511 |
| Efficiency ratio | 79.7009% | 2,060 |
| Assets per employee ($millions) | 6.9097% | 834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6747% | 6,213 |
| Loan loss allowance to noncurrent loans | 30.0468% | 5,782 |
| Noncurrent assets plus other real estate owned to assets | 1.5122% | 2,154 |
| Noncurrent loans to loans | 2.2454% | 1,454 |
| Net loans and leases to total assets | 62.9121% | 3,251 |
| Net loans and leases to deposits | 78.2160% | 2,771 |
| Net loans and leases to core deposits | 80.5414% | 3,155 |
| Total domestic deposits to total assets | 80.4338% | 5,150 |
| Equity capital to assets | 17.7591% | 344 |
| Core capital (leverage) ratio | 17.8187% | 305 |
| Tier 1 risk-based capital ratio | 38.2616% | 276 |
| Total risk-based capital ratio | 39.1757% | 277 |
| Memoranda: | ||
| Average total assets | $516,876,670 | 1,305 |
| Average earning assets | $495,862,330 | 1,245 |
| Average equity | $90,548,330 | 811 |
| Average total loans | $322,928,000 | 1,349 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2732% | 5,894 |
| Cost of funding earning assets | 0.7398% | 1,020 |
| Net interest margin | 2.5334% | 6,307 |
| Noninterest income to average assets | 0.1678% | 5,972 |
| Noninterest expense to average assets | 2.1460% | 5,587 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3414% | 5,352 |
| Return on assets (ROA) | 0.4949% | 4,795 |
| Pretax return on assets | 0.6597% | 4,631 |
| Return on Equity (ROE) | 2.8445% | 5,513 |
| Retained earnings to average equity (ytd only) | 2.8445% | 4,385 |
| Net charge-offs to loans | -0.0459% | 5,773 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5096% | 1,864 |
| Assets per employee ($millions) | 7.0513% | 789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7447% | 6,203 |
| Loan loss allowance to noncurrent loans | 34.8193% | 5,724 |
| Noncurrent assets plus other real estate owned to assets | 1.4285% | 2,484 |
| Noncurrent loans to loans | 2.1386% | 1,711 |
| Net loans and leases to total assets | 61.8873% | 3,255 |
| Net loans and leases to deposits | 76.3604% | 2,774 |
| Net loans and leases to core deposits | 78.8104% | 3,113 |
| Total domestic deposits to total assets | 81.0463% | 5,223 |
| Equity capital to assets | 17.3805% | 360 |
| Core capital (leverage) ratio | 17.5595% | 326 |
| Tier 1 risk-based capital ratio | 40.2545% | 231 |
| Total risk-based capital ratio | 41.3149% | 230 |
| Memoranda: | ||
| Average total assets | $519,657,500 | 1,296 |
| Average earning assets | $499,085,500 | 1,241 |
| Average equity | $90,420,000 | 811 |
| Average total loans | $322,460,000 | 1,355 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3334% | 5,946 |
| Cost of funding earning assets | 0.8550% | 938 |
| Net interest margin | 2.4784% | 6,388 |
| Noninterest income to average assets | 0.2175% | 5,780 |
| Noninterest expense to average assets | 2.1308% | 5,768 |
| Loan and lease loss provision to assets | -0.0973% | 6,476 |
| Net operating income to assets | 0.2995% | 5,528 |
| Return on assets (ROA) | 0.4028% | 5,249 |
| Pretax return on assets | 0.7256% | 4,438 |
| Return on Equity (ROE) | 3.2757% | 5,409 |
| Retained earnings to average equity (ytd only) | 3.2757% | 3,900 |
| Net charge-offs to loans | -0.2616% | 6,653 |
| Credit loss provision to net charge-offs | 64.7668% | 3,433 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0280% | 1,872 |
| Assets per employee ($millions) | 7.1859% | 695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7263% | 6,314 |
| Loan loss allowance to noncurrent loans | 32.3348% | 5,884 |
| Noncurrent assets plus other real estate owned to assets | 1.4646% | 2,546 |
| Noncurrent loans to loans | 2.2462% | 1,726 |
| Net loans and leases to total assets | 61.3102% | 3,479 |
| Net loans and leases to deposits | 75.8805% | 2,979 |
| Net loans and leases to core deposits | 78.2425% | 3,327 |
| Total domestic deposits to total assets | 80.7984% | 5,242 |
| Equity capital to assets | 17.4190% | 366 |
| Core capital (leverage) ratio | 17.3887% | 339 |
| Tier 1 risk-based capital ratio | 38.9981% | 246 |
| Total risk-based capital ratio | 39.9847% | 247 |
| Memoranda: | ||
| Average total assets | $513,654,800 | 1,292 |
| Average earning assets | $493,310,200 | 1,236 |
| Average equity | $63,161,800 | 1,135 |
| Average total loans | $295,092,800 | 1,431 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3583% | 5,960 |
| Cost of funding earning assets | 0.8858% | 878 |
| Net interest margin | 2.4726% | 6,451 |
| Noninterest income to average assets | 0.2291% | 5,793 |
| Noninterest expense to average assets | 2.1414% | 5,742 |
| Loan and lease loss provision to assets | -0.1305% | 6,657 |
| Net operating income to assets | 0.2972% | 5,626 |
| Return on assets (ROA) | 0.4368% | 5,231 |
| Pretax return on assets | 0.8139% | 4,245 |
| Return on Equity (ROE) | 3.9779% | 5,230 |
| Retained earnings to average equity (ytd only) | 3.9779% | 3,863 |
| Net charge-offs to loans | -0.3576% | 6,742 |
| Credit loss provision to net charge-offs | 64.7668% | 3,185 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1504% | 1,805 |
| Assets per employee ($millions) | 8.5558% | 373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7618% | 6,348 |
| Loan loss allowance to noncurrent loans | 35.4688% | 5,790 |
| Noncurrent assets plus other real estate owned to assets | 1.1589% | 3,337 |
| Noncurrent loans to loans | 2.1478% | 2,070 |
| Net loans and leases to total assets | 50.4586% | 5,085 |
| Net loans and leases to deposits | 56.3149% | 5,346 |
| Net loans and leases to core deposits | 57.6486% | 5,477 |
| Total domestic deposits to total assets | 89.6008% | 1,224 |
| Equity capital to assets | 9.2641% | 4,845 |
| Core capital (leverage) ratio | 11.8057% | 1,812 |
| Tier 1 risk-based capital ratio | 25.1541% | 861 |
| Total risk-based capital ratio | 26.1823% | 865 |
| Memoranda: | ||
| Average total assets | $510,926,000 | 1,309 |
| Average earning assets | $491,301,000 | 1,250 |
| Average equity | $56,108,500 | 1,282 |
| Average total loans | $287,874,000 | 1,476 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6505% | 5,289 |
| Cost of funding earning assets | 0.9892% | 569 |
| Net interest margin | 2.6613% | 6,240 |
| Noninterest income to average assets | 0.2168% | 5,886 |
| Noninterest expense to average assets | 2.3407% | 5,238 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1256% | 6,072 |
| Return on assets (ROA) | 0.3505% | 5,581 |
| Pretax return on assets | 0.7787% | 4,395 |
| Return on Equity (ROE) | 2.9936% | 5,627 |
| Retained earnings to average equity (ytd only) | 2.9936% | 4,413 |
| Net charge-offs to loans | -0.4059% | 6,802 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5608% | 1,570 |
| Assets per employee ($millions) | 6.3836% | 963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9275% | 6,061 |
| Loan loss allowance to noncurrent loans | 48.0341% | 5,284 |
| Noncurrent assets plus other real estate owned to assets | 1.3294% | 3,114 |
| Noncurrent loans to loans | 1.9309% | 2,474 |
| Net loans and leases to total assets | 60.7670% | 3,526 |
| Net loans and leases to deposits | 69.8759% | 3,730 |
| Net loans and leases to core deposits | 72.6195% | 3,970 |
| Total domestic deposits to total assets | 86.9642% | 2,841 |
| Equity capital to assets | 11.9032% | 1,976 |
| Core capital (leverage) ratio | 11.8653% | 1,694 |
| Tier 1 risk-based capital ratio | 26.2154% | 754 |
| Total risk-based capital ratio | 27.4453% | 739 |
| Memoranda: | ||
| Average total assets | $478,747,330 | 1,394 |
| Average earning assets | $458,953,330 | 1,323 |
| Average equity | $56,052,670 | 1,287 |
| Average total loans | $280,875,330 | 1,512 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6618% | 5,281 |
| Cost of funding earning assets | 1.0220% | 543 |
| Net interest margin | 2.6398% | 6,311 |
| Noninterest income to average assets | 0.2061% | 6,004 |
| Noninterest expense to average assets | 2.4365% | 4,993 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0930% | 6,162 |
| Return on assets (ROA) | 0.0899% | 6,256 |
| Pretax return on assets | 0.2927% | 5,870 |
| Return on Equity (ROE) | 0.7738% | 6,265 |
| Retained earnings to average equity (ytd only) | 0.7738% | 5,525 |
| Net charge-offs to loans | -0.6193% | 6,880 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1134% | 1,223 |
| Assets per employee ($millions) | 6.5627% | 962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8947% | 6,270 |
| Loan loss allowance to noncurrent loans | 40.6604% | 5,582 |
| Noncurrent assets plus other real estate owned to assets | 1.5522% | 2,936 |
| Noncurrent loans to loans | 2.2005% | 2,389 |
| Net loans and leases to total assets | 58.0780% | 3,774 |
| Net loans and leases to deposits | 66.6487% | 3,963 |
| Net loans and leases to core deposits | 69.3550% | 4,149 |
| Total domestic deposits to total assets | 87.1404% | 2,873 |
| Equity capital to assets | 11.7827% | 2,193 |
| Core capital (leverage) ratio | 11.4723% | 1,903 |
| Tier 1 risk-based capital ratio | 25.0557% | 882 |
| Total risk-based capital ratio | 26.1891% | 887 |
| Memoranda: | ||
| Average total assets | $485,121,000 | 1,383 |
| Average earning assets | $464,577,500 | 1,323 |
| Average equity | $56,344,500 | 1,296 |
| Average total loans | $278,400,500 | 1,533 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8789% | 5,640 |
| Cost of funding earning assets | 1.1981% | 589 |
| Net interest margin | 2.6808% | 6,543 |
| Noninterest income to average assets | 0.2767% | 5,482 |
| Noninterest expense to average assets | 2.2735% | 5,760 |
| Loan and lease loss provision to assets | 0.1156% | 4,182 |
| Net operating income to assets | 0.2821% | 5,533 |
| Return on assets (ROA) | 0.5404% | 4,775 |
| Pretax return on assets | 0.8479% | 4,118 |
| Return on Equity (ROE) | 4.8723% | 4,741 |
| Retained earnings to average equity (ytd only) | 4.8723% | 2,791 |
| Net charge-offs to loans | 0.7483% | 1,567 |
| Credit loss provision to net charge-offs | 30.1521% | 5,109 |
| Earnings coverage of net charge-offs (x) | 1.4599% | 4,715 |
| Efficiency ratio | 80.2385% | 2,114 |
| Assets per employee ($millions) | 6.9178% | 796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7538% | 6,562 |
| Loan loss allowance to noncurrent loans | 16.0052% | 6,471 |
| Noncurrent assets plus other real estate owned to assets | 3.0448% | 1,552 |
| Noncurrent loans to loans | 4.7100% | 881 |
| Net loans and leases to total assets | 55.7796% | 4,332 |
| Net loans and leases to deposits | 63.6843% | 4,573 |
| Net loans and leases to core deposits | 66.3614% | 4,705 |
| Total domestic deposits to total assets | 87.5877% | 2,483 |
| Equity capital to assets | 11.4505% | 2,497 |
| Core capital (leverage) ratio | 11.2278% | 2,068 |
| Tier 1 risk-based capital ratio | 24.7486% | 879 |
| Total risk-based capital ratio | 25.6819% | 898 |
| Memoranda: | ||
| Average total assets | $497,205,600 | 1,341 |
| Average earning assets | $474,182,600 | 1,285 |
| Average equity | $55,149,000 | 1,295 |
| Average total loans | $254,860,200 | 1,620 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9249% | 5,722 |
| Cost of funding earning assets | 1.2375% | 584 |
| Net interest margin | 2.6874% | 6,662 |
| Noninterest income to average assets | 0.2893% | 5,468 |
| Noninterest expense to average assets | 2.2944% | 5,691 |
| Loan and lease loss provision to assets | 0.1537% | 3,607 |
| Net operating income to assets | 0.2722% | 5,709 |
| Return on assets (ROA) | 0.6315% | 4,485 |
| Pretax return on assets | 0.9395% | 3,961 |
| Return on Equity (ROE) | 5.7388% | 4,467 |
| Retained earnings to average equity (ytd only) | 5.7388% | 2,874 |
| Net charge-offs to loans | 1.1257% | 894 |
| Credit loss provision to net charge-offs | 27.2900% | 4,842 |
| Earnings coverage of net charge-offs (x) | 0.9886% | 4,829 |
| Efficiency ratio | 80.4688% | 2,022 |
| Assets per employee ($millions) | 6.9082% | 778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7164% | 6,732 |
| Loan loss allowance to noncurrent loans | 13.4185% | 6,618 |
| Noncurrent assets plus other real estate owned to assets | 3.2600% | 1,565 |
| Noncurrent loans to loans | 5.3389% | 820 |
| Net loans and leases to total assets | 53.1482% | 4,883 |
| Net loans and leases to deposits | 61.0317% | 5,081 |
| Net loans and leases to core deposits | 63.5303% | 5,204 |
| Total domestic deposits to total assets | 87.0830% | 2,613 |
| Equity capital to assets | 11.4075% | 2,845 |
| Core capital (leverage) ratio | 10.9530% | 2,439 |
| Tier 1 risk-based capital ratio | 25.6856% | 850 |
| Total risk-based capital ratio | 26.5694% | 872 |
| Memoranda: | ||
| Average total assets | $498,715,250 | 1,359 |
| Average earning assets | $475,444,750 | 1,301 |
| Average equity | $54,876,000 | 1,308 |
| Average total loans | $249,562,250 | 1,665 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0342% | 5,536 |
| Cost of funding earning assets | 1.2654% | 608 |
| Net interest margin | 2.7688% | 6,626 |
| Noninterest income to average assets | 0.2106% | 6,057 |
| Noninterest expense to average assets | 2.2949% | 5,757 |
| Loan and lease loss provision to assets | 0.0798% | 4,606 |
| Net operating income to assets | 0.2913% | 5,652 |
| Return on assets (ROA) | 0.2716% | 5,897 |
| Pretax return on assets | 0.4443% | 5,588 |
| Return on Equity (ROE) | 2.4983% | 5,884 |
| Retained earnings to average equity (ytd only) | 2.4983% | 4,942 |
| Net charge-offs to loans | 0.4053% | 2,406 |
| Credit loss provision to net charge-offs | 40.2414% | 4,257 |
| Earnings coverage of net charge-offs (x) | 2.7988% | 3,627 |
| Efficiency ratio | 80.5318% | 2,096 |
| Assets per employee ($millions) | 7.0968% | 700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2380% | 5,167 |
| Loan loss allowance to noncurrent loans | 25.3251% | 6,349 |
| Noncurrent assets plus other real estate owned to assets | 2.8749% | 1,920 |
| Noncurrent loans to loans | 4.8885% | 1,024 |
| Net loans and leases to total assets | 49.3331% | 5,440 |
| Net loans and leases to deposits | 56.3393% | 5,611 |
| Net loans and leases to core deposits | 58.7837% | 5,713 |
| Total domestic deposits to total assets | 87.5642% | 2,425 |
| Equity capital to assets | 10.9660% | 3,156 |
| Core capital (leverage) ratio | 10.5625% | 2,743 |
| Tier 1 risk-based capital ratio | 25.0365% | 898 |
| Total risk-based capital ratio | 26.2894% | 885 |
| Memoranda: | ||
| Average total assets | $501,458,670 | 1,346 |
| Average earning assets | $477,964,000 | 1,297 |
| Average equity | $54,517,330 | 1,304 |
| Average total loans | $245,228,000 | 1,685 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0366% | 5,646 |
| Cost of funding earning assets | 1.2941% | 647 |
| Net interest margin | 2.7425% | 6,726 |
| Noninterest income to average assets | 0.2111% | 6,111 |
| Noninterest expense to average assets | 2.2901% | 5,791 |
| Loan and lease loss provision to assets | 0.0800% | 4,396 |
| Net operating income to assets | 0.1785% | 6,045 |
| Return on assets (ROA) | 0.1447% | 6,259 |
| Pretax return on assets | 0.4030% | 5,716 |
| Return on Equity (ROE) | 1.3371% | 6,280 |
| Retained earnings to average equity (ytd only) | 1.3371% | 5,567 |
| Net charge-offs to loans | 0.7653% | 1,339 |
| Credit loss provision to net charge-offs | 21.5983% | 3,752 |
| Earnings coverage of net charge-offs (x) | 1.4471% | 3,606 |
| Efficiency ratio | 81.0413% | 2,070 |
| Assets per employee ($millions) | 6.8462% | 815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2641% | 5,185 |
| Loan loss allowance to noncurrent loans | 24.1393% | 6,417 |
| Noncurrent assets plus other real estate owned to assets | 2.9599% | 1,956 |
| Noncurrent loans to loans | 5.2366% | 1,043 |
| Net loans and leases to total assets | 47.6677% | 5,604 |
| Net loans and leases to deposits | 54.1839% | 5,791 |
| Net loans and leases to core deposits | 56.5236% | 5,858 |
| Total domestic deposits to total assets | 87.9740% | 2,339 |
| Equity capital to assets | 10.8751% | 3,057 |
| Core capital (leverage) ratio | 10.4004% | 2,876 |
| Tier 1 risk-based capital ratio | 25.1632% | 889 |
| Total risk-based capital ratio | 26.4159% | 872 |
| Memoranda: | ||
| Average total assets | $500,250,500 | 1,354 |
| Average earning assets | $476,941,000 | 1,305 |
| Average equity | $54,148,500 | 1,302 |
| Average total loans | $241,995,500 | 1,709 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3713% | 5,532 |
| Cost of funding earning assets | 1.4134% | 982 |
| Net interest margin | 2.9579% | 6,592 |
| Noninterest income to average assets | 0.2629% | 5,653 |
| Noninterest expense to average assets | 2.0837% | 6,523 |
| Loan and lease loss provision to assets | 0.8309% | 1,174 |
| Net operating income to assets | 0.2107% | 5,558 |
| Return on assets (ROA) | 0.1818% | 5,779 |
| Pretax return on assets | 0.1325% | 5,916 |
| Return on Equity (ROE) | 1.7743% | 5,741 |
| Retained earnings to average equity (ytd only) | 1.7743% | 4,950 |
| Net charge-offs to loans | 1.8322% | 797 |
| Credit loss provision to net charge-offs | 92.9615% | 3,877 |
| Earnings coverage of net charge-offs (x) | 1.1102% | 4,953 |
| Efficiency ratio | 67.7407% | 4,411 |
| Assets per employee ($millions) | 7.3636% | 610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4062% | 4,427 |
| Loan loss allowance to noncurrent loans | 24.7373% | 6,443 |
| Noncurrent assets plus other real estate owned to assets | 3.1834% | 1,877 |
| Noncurrent loans to loans | 5.6846% | 915 |
| Net loans and leases to total assets | 47.7899% | 5,844 |
| Net loans and leases to deposits | 54.1811% | 6,050 |
| Net loans and leases to core deposits | 56.5093% | 6,122 |
| Total domestic deposits to total assets | 88.2040% | 2,023 |
| Equity capital to assets | 10.7735% | 3,224 |
| Core capital (leverage) ratio | 10.3517% | 2,910 |
| Tier 1 risk-based capital ratio | 24.4200% | 933 |
| Total risk-based capital ratio | 25.6746% | 919 |
| Memoranda: | ||
| Average total assets | $505,492,000 | 1,325 |
| Average earning assets | $480,748,400 | 1,274 |
| Average equity | $51,795,400 | 1,320 |
| Average total loans | $246,591,400 | 1,694 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4371% | 5,469 |
| Cost of funding earning assets | 1.4475% | 1,032 |
| Net interest margin | 2.9896% | 6,607 |
| Noninterest income to average assets | 0.2768% | 5,637 |
| Noninterest expense to average assets | 2.0546% | 6,585 |
| Loan and lease loss provision to assets | 1.0657% | 782 |
| Net operating income to assets | 0.1264% | 5,899 |
| Return on assets (ROA) | 0.1105% | 6,056 |
| Pretax return on assets | -0.0258% | 6,257 |
| Return on Equity (ROE) | 1.0925% | 6,052 |
| Retained earnings to average equity (ytd only) | 1.0925% | 5,585 |
| Net charge-offs to loans | 2.3789% | 479 |
| Credit loss provision to net charge-offs | 91.6912% | 3,718 |
| Earnings coverage of net charge-offs (x) | 0.9160% | 4,935 |
| Efficiency ratio | 65.8681% | 4,744 |
| Assets per employee ($millions) | 7.3459% | 626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3794% | 4,640 |
| Loan loss allowance to noncurrent loans | 26.6308% | 6,429 |
| Noncurrent assets plus other real estate owned to assets | 2.9828% | 2,154 |
| Noncurrent loans to loans | 5.1797% | 1,181 |
| Net loans and leases to total assets | 48.1481% | 5,937 |
| Net loans and leases to deposits | 54.9609% | 6,126 |
| Net loans and leases to core deposits | 56.9644% | 6,224 |
| Total domestic deposits to total assets | 87.6044% | 2,288 |
| Equity capital to assets | 10.6710% | 3,490 |
| Core capital (leverage) ratio | 10.2303% | 3,155 |
| Tier 1 risk-based capital ratio | 23.6205% | 1,055 |
| Total risk-based capital ratio | 24.8744% | 1,039 |
| Memoranda: | ||
| Average total assets | $506,683,250 | 1,324 |
| Average earning assets | $481,742,250 | 1,270 |
| Average equity | $51,257,750 | 1,334 |
| Average total loans | $247,561,750 | 1,705 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5046% | 5,342 |
| Cost of funding earning assets | 1.4887% | 1,043 |
| Net interest margin | 3.0159% | 6,577 |
| Noninterest income to average assets | 0.2114% | 6,154 |
| Noninterest expense to average assets | 2.0103% | 6,767 |
| Loan and lease loss provision to assets | 1.4143% | 515 |
| Net operating income to assets | -0.1884% | 6,461 |
| Return on assets (ROA) | -0.2070% | 6,517 |
| Pretax return on assets | -0.3756% | 6,578 |
| Return on Equity (ROE) | -2.0840% | 6,527 |
| Retained earnings to average equity (ytd only) | -2.0840% | 6,264 |
| Net charge-offs to loans | 3.3570% | 279 |
| Credit loss provision to net charge-offs | 86.2069% | 3,581 |
| Earnings coverage of net charge-offs (x) | 0.6509% | 4,810 |
| Efficiency ratio | 65.3095% | 5,002 |
| Assets per employee ($millions) | 7.1098% | 688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2986% | 5,068 |
| Loan loss allowance to noncurrent loans | 22.8772% | 6,619 |
| Noncurrent assets plus other real estate owned to assets | 3.2418% | 2,065 |
| Noncurrent loans to loans | 5.6765% | 1,092 |
| Net loans and leases to total assets | 48.1814% | 6,031 |
| Net loans and leases to deposits | 54.6739% | 6,255 |
| Net loans and leases to core deposits | 56.7195% | 6,366 |
| Total domestic deposits to total assets | 88.1250% | 2,062 |
| Equity capital to assets | 10.3304% | 3,710 |
| Core capital (leverage) ratio | 9.9104% | 3,374 |
| Tier 1 risk-based capital ratio | 22.0062% | 1,258 |
| Total risk-based capital ratio | 23.2579% | 1,226 |
| Memoranda: | ||
| Average total assets | $509,070,000 | 1,327 |
| Average earning assets | $483,907,330 | 1,266 |
| Average equity | $50,575,670 | 1,329 |
| Average total loans | $248,790,670 | 1,715 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4486% | 5,515 |
| Cost of funding earning assets | 1.5259% | 1,067 |
| Net interest margin | 2.9227% | 6,719 |
| Noninterest income to average assets | 0.2106% | 6,230 |
| Noninterest expense to average assets | 2.0367% | 6,765 |
| Loan and lease loss provision to assets | 2.7974% | 173 |
| Net operating income to assets | -1.3261% | 7,142 |
| Return on assets (ROA) | -1.3513% | 7,156 |
| Pretax return on assets | -1.8781% | 7,234 |
| Return on Equity (ROE) | -13.8685% | 7,126 |
| Retained earnings to average equity (ytd only) | -13.8685% | 7,008 |
| Net charge-offs to loans | 6.6361% | 88 |
| Credit loss provision to net charge-offs | 86.2069% | 3,012 |
| Earnings coverage of net charge-offs (x) | 0.2941% | 4,395 |
| Efficiency ratio | 68.0956% | 4,637 |
| Assets per employee ($millions) | 7.0269% | 724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2775% | 5,249 |
| Loan loss allowance to noncurrent loans | 26.6785% | 6,481 |
| Noncurrent assets plus other real estate owned to assets | 2.8010% | 2,459 |
| Noncurrent loans to loans | 4.7883% | 1,425 |
| Net loans and leases to total assets | 48.1921% | 6,058 |
| Net loans and leases to deposits | 54.2072% | 6,276 |
| Net loans and leases to core deposits | 56.4488% | 6,373 |
| Total domestic deposits to total assets | 88.9035% | 1,834 |
| Equity capital to assets | 9.7363% | 4,130 |
| Core capital (leverage) ratio | 9.3725% | 4,011 |
| Tier 1 risk-based capital ratio | 20.8163% | 1,430 |
| Total risk-based capital ratio | 22.0677% | 1,405 |
| Memoranda: | ||
| Average total assets | $514,762,000 | 1,312 |
| Average earning assets | $489,685,000 | 1,254 |
| Average equity | $50,157,000 | 1,329 |
| Average total loans | $251,712,500 | 1,720 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9576% | 4,753 |
| Cost of funding earning assets | 1.8700% | 941 |
| Net interest margin | 3.0876% | 6,548 |
| Noninterest income to average assets | 0.2163% | 6,263 |
| Noninterest expense to average assets | 2.0326% | 6,970 |
| Loan and lease loss provision to assets | 0.2982% | 4,416 |
| Net operating income to assets | 0.5727% | 3,790 |
| Return on assets (ROA) | 0.5095% | 4,208 |
| Pretax return on assets | 0.7007% | 3,974 |
| Return on Equity (ROE) | 5.1959% | 3,989 |
| Retained earnings to average equity (ytd only) | -4.5819% | 6,258 |
| Net charge-offs to loans | 0.2686% | 4,683 |
| Credit loss provision to net charge-offs | 225.0362% | 1,323 |
| Earnings coverage of net charge-offs (x) | 8.1910% | 2,001 |
| Efficiency ratio | 65.1885% | 5,128 |
| Assets per employee ($millions) | 7.2721% | 656 |
| Cash dividends to net income (ytd only)* | 188.1822% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4549% | 4,255 |
| Loan loss allowance to noncurrent loans | 50.2221% | 4,985 |
| Noncurrent assets plus other real estate owned to assets | 1.8073% | 3,613 |
| Noncurrent loans to loans | 2.8969% | 2,626 |
| Net loans and leases to total assets | 48.2666% | 6,364 |
| Net loans and leases to deposits | 54.0752% | 6,603 |
| Net loans and leases to core deposits | 56.4849% | 6,670 |
| Total domestic deposits to total assets | 89.2582% | 1,512 |
| Equity capital to assets | 9.7510% | 4,051 |
| Core capital (leverage) ratio | 9.4810% | 3,725 |
| Tier 1 risk-based capital ratio | 21.0944% | 1,304 |
| Total risk-based capital ratio | 22.3485% | 1,280 |
| Memoranda: | ||
| Average total assets | $521,460,000 | 1,280 |
| Average earning assets | $490,059,200 | 1,256 |
| Average equity | $51,136,400 | 1,305 |
| Average total loans | $257,304,400 | 1,721 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0954% | 4,347 |
| Cost of funding earning assets | 1.9378% | 908 |
| Net interest margin | 3.1576% | 6,461 |
| Noninterest income to average assets | 0.2513% | 6,091 |
| Noninterest expense to average assets | 2.0143% | 7,028 |
| Loan and lease loss provision to assets | 0.2495% | 4,594 |
| Net operating income to assets | 0.7800% | 3,088 |
| Return on assets (ROA) | 0.7044% | 3,550 |
| Pretax return on assets | 0.8533% | 3,718 |
| Return on Equity (ROE) | 7.1725% | 3,273 |
| Retained earnings to average equity (ytd only) | -3.2527% | 6,382 |
| Net charge-offs to loans | 0.3578% | 3,872 |
| Credit loss provision to net charge-offs | 141.0999% | 2,805 |
| Earnings coverage of net charge-offs (x) | 6.7511% | 2,460 |
| Efficiency ratio | 62.7842% | 5,470 |
| Assets per employee ($millions) | 7.1775% | 714 |
| Cash dividends to net income (ytd only)* | 145.3489% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2202% | 5,387 |
| Loan loss allowance to noncurrent loans | 90.5720% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 1.2569% | 4,635 |
| Noncurrent loans to loans | 1.3472% | 4,607 |
| Net loans and leases to total assets | 48.0277% | 6,518 |
| Net loans and leases to deposits | 54.6654% | 6,720 |
| Net loans and leases to core deposits | 56.6152% | 6,825 |
| Total domestic deposits to total assets | 87.8577% | 2,048 |
| Equity capital to assets | 9.9103% | 4,278 |
| Core capital (leverage) ratio | 9.4639% | 3,955 |
| Tier 1 risk-based capital ratio | 21.2958% | 1,313 |
| Total risk-based capital ratio | 22.5465% | 1,291 |
| Memoranda: | ||
| Average total assets | $520,927,500 | 1,291 |
| Average earning assets | $487,828,250 | 1,276 |
| Average equity | $51,156,750 | 1,310 |
| Average total loans | $257,518,000 | 1,741 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2346% | 3,786 |
| Cost of funding earning assets | 1.9649% | 999 |
| Net interest margin | 3.2697% | 6,108 |
| Noninterest income to average assets | 0.2218% | 6,329 |
| Noninterest expense to average assets | 2.0242% | 7,063 |
| Loan and lease loss provision to assets | 0.1391% | 5,504 |
| Net operating income to assets | 0.9508% | 2,364 |
| Return on assets (ROA) | 0.8776% | 2,762 |
| Pretax return on assets | 1.0202% | 3,043 |
| Return on Equity (ROE) | 8.9651% | 2,480 |
| Retained earnings to average equity (ytd only) | -6.8254% | 6,725 |
| Net charge-offs to loans | 0.5372% | 2,916 |
| Credit loss provision to net charge-offs | 52.0984% | 5,369 |
| Earnings coverage of net charge-offs (x) | 4.6599% | 2,887 |
| Efficiency ratio | 61.9295% | 5,702 |
| Assets per employee ($millions) | 7.6887% | 571 |
| Cash dividends to net income (ytd only)* | 176.1339% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9879% | 6,457 |
| Loan loss allowance to noncurrent loans | 98.6003% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 1.0719% | 4,987 |
| Noncurrent loans to loans | 1.0019% | 5,309 |
| Net loans and leases to total assets | 47.2248% | 6,688 |
| Net loans and leases to deposits | 54.5746% | 6,822 |
| Net loans and leases to core deposits | 56.4663% | 6,913 |
| Total domestic deposits to total assets | 86.5326% | 2,798 |
| Equity capital to assets | 9.5578% | 4,621 |
| Core capital (leverage) ratio | 9.5753% | 3,708 |
| Tier 1 risk-based capital ratio | 20.0888% | 1,502 |
| Total risk-based capital ratio | 21.1018% | 1,504 |
| Memoranda: | ||
| Average total assets | $517,525,670 | 1,307 |
| Average earning assets | $482,253,330 | 1,291 |
| Average equity | $50,663,330 | 1,319 |
| Average total loans | $257,276,670 | 1,768 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3112% | 3,486 |
| Cost of funding earning assets | 1.9693% | 1,185 |
| Net interest margin | 3.3419% | 5,808 |
| Noninterest income to average assets | 0.1435% | 6,949 |
| Noninterest expense to average assets | 1.9922% | 7,175 |
| Loan and lease loss provision to assets | 0.1972% | 4,528 |
| Net operating income to assets | 0.7774% | 3,070 |
| Return on assets (ROA) | 0.7019% | 3,548 |
| Pretax return on assets | 0.9811% | 3,160 |
| Return on Equity (ROE) | 7.0811% | 3,308 |
| Retained earnings to average equity (ytd only) | -16.7878% | 7,273 |
| Net charge-offs to loans | 1.0731% | 1,557 |
| Credit loss provision to net charge-offs | 36.1795% | 4,713 |
| Earnings coverage of net charge-offs (x) | 2.3546% | 3,365 |
| Efficiency ratio | 60.8235% | 6,028 |
| Assets per employee ($millions) | 7.2597% | 733 |
| Cash dividends to net income (ytd only)* | 337.0787% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9467% | 6,679 |
| Loan loss allowance to noncurrent loans | 96.1935% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 1.5386% | 4,197 |
| Noncurrent loans to loans | 0.9842% | 5,355 |
| Net loans and leases to total assets | 49.9491% | 6,466 |
| Net loans and leases to deposits | 57.8894% | 6,629 |
| Net loans and leases to core deposits | 59.8530% | 6,763 |
| Total domestic deposits to total assets | 86.2838% | 2,992 |
| Equity capital to assets | 9.7660% | 4,153 |
| Core capital (leverage) ratio | 9.7659% | 3,436 |
| Tier 1 risk-based capital ratio | 20.0148% | 1,519 |
| Total risk-based capital ratio | 20.9930% | 1,536 |
| Memoranda: | ||
| Average total assets | $507,184,000 | 1,367 |
| Average earning assets | $475,295,500 | 1,341 |
| Average equity | $50,274,500 | 1,329 |
| Average total loans | $257,563,000 | 1,818 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5519% | 3,859 |
| Cost of funding earning assets | 2.5424% | 914 |
| Net interest margin | 3.0095% | 6,620 |
| Noninterest income to average assets | 0.1558% | 6,955 |
| Noninterest expense to average assets | 2.1041% | 7,176 |
| Loan and lease loss provision to assets | 0.2410% | 5,452 |
| Net operating income to assets | 0.3599% | 4,289 |
| Return on assets (ROA) | 0.1922% | 4,992 |
| Pretax return on assets | 0.3875% | 4,530 |
| Return on Equity (ROE) | 1.7879% | 4,984 |
| Retained earnings to average equity (ytd only) | -19.1651% | 7,076 |
| Net charge-offs to loans | 0.1024% | 6,111 |
| Credit loss provision to net charge-offs | 465.7795% | 666 |
| Earnings coverage of net charge-offs (x) | 17.2129% | 1,203 |
| Efficiency ratio | 70.2641% | 4,569 |
| Assets per employee ($millions) | 7.0304% | 784 |
| Cash dividends to net income (ytd only)* | 1,171.9550% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1075% | 5,860 |
| Loan loss allowance to noncurrent loans | 89.3703% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 1.4356% | 4,261 |
| Noncurrent loans to loans | 1.2392% | 4,880 |
| Net loans and leases to total assets | 50.5744% | 6,569 |
| Net loans and leases to deposits | 60.3232% | 6,611 |
| Net loans and leases to core deposits | 74.5927% | 6,499 |
| Total domestic deposits to total assets | 83.8390% | 4,105 |
| Equity capital to assets | 10.0595% | 3,683 |
| Core capital (leverage) ratio | 10.1501% | 2,949 |
| Tier 1 risk-based capital ratio | 22.4870% | 1,093 |
| Total risk-based capital ratio | 23.7386% | 1,072 |
| Memoranda: | ||
| Average total assets | $508,398,400 | 1,352 |
| Average earning assets | $479,548,400 | 1,316 |
| Average equity | $54,646,200 | 1,204 |
| Average total loans | $256,840,400 | 1,855 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5877% | 3,935 |
| Cost of funding earning assets | 2.6744% | 850 |
| Net interest margin | 2.9133% | 6,829 |
| Noninterest income to average assets | 0.1525% | 7,096 |
| Noninterest expense to average assets | 2.1592% | 7,083 |
| Loan and lease loss provision to assets | 0.2855% | 4,689 |
| Net operating income to assets | 0.2601% | 4,948 |
| Return on assets (ROA) | 0.0710% | 5,598 |
| Pretax return on assets | 0.1656% | 5,372 |
| Return on Equity (ROE) | 0.6501% | 5,590 |
| Retained earnings to average equity (ytd only) | -24.4192% | 7,470 |
| Net charge-offs to loans | 0.1368% | 5,334 |
| Credit loss provision to net charge-offs | 414.4487% | 961 |
| Earnings coverage of net charge-offs (x) | 10.8365% | 1,914 |
| Efficiency ratio | 74.3058% | 3,817 |
| Assets per employee ($millions) | 7.3535% | 681 |
| Cash dividends to net income (ytd only)* | 3,856.1358% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0531% | 5,990 |
| Loan loss allowance to noncurrent loans | 137.9798% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 1.0883% | 4,900 |
| Noncurrent loans to loans | 0.7632% | 5,780 |
| Net loans and leases to total assets | 49.8684% | 6,790 |
| Net loans and leases to deposits | 59.0723% | 6,895 |
| Net loans and leases to core deposits | 74.9113% | 6,672 |
| Total domestic deposits to total assets | 84.4192% | 3,521 |
| Equity capital to assets | 9.9702% | 4,124 |
| Core capital (leverage) ratio | 9.9885% | 3,299 |
| Tier 1 risk-based capital ratio | 22.6075% | 1,159 |
| Total risk-based capital ratio | 23.8063% | 1,141 |
| Memoranda: | ||
| Average total assets | $508,950,750 | 1,373 |
| Average earning assets | $480,999,000 | 1,331 |
| Average equity | $55,577,750 | 1,198 |
| Average total loans | $256,333,250 | 1,876 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6527% | 3,801 |
| Cost of funding earning assets | 2.8117% | 759 |
| Net interest margin | 2.8410% | 6,932 |
| Noninterest income to average assets | 0.1527% | 7,180 |
| Noninterest expense to average assets | 2.0484% | 7,380 |
| Loan and lease loss provision to assets | 0.3392% | 3,904 |
| Net operating income to assets | 0.1542% | 5,408 |
| Return on assets (ROA) | -0.0738% | 6,025 |
| Pretax return on assets | 0.0899% | 5,699 |
| Return on Equity (ROE) | -0.6562% | 6,022 |
| Retained earnings to average equity (ytd only) | -37.3250% | 7,801 |
| Net charge-offs to loans | 0.2060% | 4,230 |
| Credit loss provision to net charge-offs | 326.9962% | 1,428 |
| Earnings coverage of net charge-offs (x) | 7.5703% | 2,428 |
| Efficiency ratio | 72.2856% | 4,350 |
| Assets per employee ($millions) | 7.2484% | 689 |
| Cash dividends to net income (ytd only)* | -5,588.2353% | 8,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9809% | 6,372 |
| Loan loss allowance to noncurrent loans | 154.7310% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 1.1777% | 4,588 |
| Noncurrent loans to loans | 0.6340% | 5,975 |
| Net loans and leases to total assets | 49.0763% | 6,957 |
| Net loans and leases to deposits | 57.9985% | 7,029 |
| Net loans and leases to core deposits | 73.5415% | 6,816 |
| Total domestic deposits to total assets | 84.6165% | 3,438 |
| Equity capital to assets | 9.6239% | 4,462 |
| Core capital (leverage) ratio | 9.8276% | 3,481 |
| Tier 1 risk-based capital ratio | 22.1373% | 1,230 |
| Total risk-based capital ratio | 23.2225% | 1,233 |
| Memoranda: | ||
| Average total assets | $507,020,000 | 1,399 |
| Average earning assets | $478,494,670 | 1,354 |
| Average equity | $56,996,670 | 1,180 |
| Average total loans | $255,302,330 | 1,917 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8225% | 3,185 |
| Cost of funding earning assets | 2.9369% | 704 |
| Net interest margin | 2.8855% | 6,781 |
| Noninterest income to average assets | 0.1590% | 7,173 |
| Noninterest expense to average assets | 1.9936% | 7,368 |
| Loan and lease loss provision to assets | 0.0397% | 6,470 |
| Net operating income to assets | 0.3435% | 5,097 |
| Return on assets (ROA) | 0.0143% | 6,378 |
| Pretax return on assets | 0.3315% | 5,591 |
| Return on Equity (ROE) | 0.1186% | 6,386 |
| Retained earnings to average equity (ytd only) | 0.1186% | 5,613 |
| Net charge-offs to loans | 0.3414% | 2,721 |
| Credit loss provision to net charge-offs | 22.9358% | 5,041 |
| Earnings coverage of net charge-offs (x) | 5.1101% | 2,745 |
| Efficiency ratio | 69.2435% | 4,729 |
| Assets per employee ($millions) | 7.1476% | 725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6809% | 7,502 |
| Loan loss allowance to noncurrent loans | 65.0562% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 1.3124% | 4,045 |
| Noncurrent loans to loans | 1.0467% | 4,888 |
| Net loans and leases to total assets | 49.2297% | 6,928 |
| Net loans and leases to deposits | 60.1358% | 6,885 |
| Net loans and leases to core deposits | 76.4210% | 6,647 |
| Total domestic deposits to total assets | 81.8642% | 4,607 |
| Equity capital to assets | 11.6734% | 2,467 |
| Core capital (leverage) ratio | 12.2409% | 1,794 |
| Tier 1 risk-based capital ratio | 26.8117% | 829 |
| Total risk-based capital ratio | 27.5692% | 848 |
| Memoranda: | ||
| Average total assets | $503,211,500 | 1,409 |
| Average earning assets | $474,370,500 | 1,372 |
| Average equity | $60,731,000 | 1,131 |
| Average total loans | $255,420,000 | 1,932 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8717% | 6,175 |
| Cost of funding earning assets | 3.1467% | 1,363 |
| Net interest margin | 2.7250% | 7,456 |
| Noninterest income to average assets | 0.1833% | 7,136 |
| Noninterest expense to average assets | 1.7999% | 7,755 |
| Loan and lease loss provision to assets | 0.2741% | 4,204 |
| Net operating income to assets | 0.5815% | 4,389 |
| Return on assets (ROA) | -1.1579% | 7,263 |
| Pretax return on assets | -1.0343% | 7,017 |
| Return on Equity (ROE) | -8.3683% | 7,145 |
| Retained earnings to average equity (ytd only) | -15.8615% | 7,514 |
| Net charge-offs to loans | 0.2126% | 4,085 |
| Credit loss provision to net charge-offs | 262.8231% | 1,764 |
| Earnings coverage of net charge-offs (x) | 9.3877% | 2,695 |
| Efficiency ratio | 64.7665% | 5,379 |
| Assets per employee ($millions) | 7.2323% | 638 |
| Cash dividends to net income (ytd only)* | -89.5415% | 8,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7449% | 7,311 |
| Loan loss allowance to noncurrent loans | 28.8549% | 6,772 |
| Noncurrent assets plus other real estate owned to assets | 1.6450% | 2,958 |
| Noncurrent loans to loans | 2.5814% | 2,097 |
| Net loans and leases to total assets | 51.6166% | 6,879 |
| Net loans and leases to deposits | 64.9698% | 6,721 |
| Net loans and leases to core deposits | 79.9246% | 6,625 |
| Total domestic deposits to total assets | 79.4471% | 5,225 |
| Equity capital to assets | 12.4823% | 2,022 |
| Core capital (leverage) ratio | 12.5742% | 1,719 |
| Tier 1 risk-based capital ratio | 27.6329% | 778 |
| Total risk-based capital ratio | 28.4742% | 788 |
| Memoranda: | ||
| Average total assets | $482,241,800 | 1,422 |
| Average earning assets | $459,373,800 | 1,357 |
| Average equity | $66,727,800 | 1,001 |
| Average total loans | $236,612,600 | 1,996 |