| 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 | 3.7379% | 3,705 |
| Cost of funding earning assets | 0.2894% | 4,352 |
| Net interest margin | 3.4485% | 2,756 |
| Noninterest income to average assets | 0.3748% | 3,207 |
| Noninterest expense to average assets | 2.2567% | 3,540 |
| Loan and lease loss provision to assets | 0.0988% | 3,093 |
| Net operating income to assets | 0.8467% | 2,922 |
| Return on assets (ROA) | 0.8467% | 3,045 |
| Pretax return on assets | 1.1577% | 2,538 |
| Return on Equity (ROE) | 5.8522% | 3,603 |
| Retained earnings to average equity (ytd only) | 3.7355% | 3,177 |
| Net charge-offs to loans | 0.0105% | 2,729 |
| Credit loss provision to net charge-offs | 1,371.4286% | 664 |
| Earnings coverage of net charge-offs (x) | 174.4762% | 536 |
| Efficiency ratio | 63.3382% | 2,857 |
| Assets per employee ($millions) | 10.3353% | 454 |
| Cash dividends to net income (ytd only)* | 36.1685% | 2,079 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7761% | 4,418 |
| Loan loss allowance to noncurrent loans | 294.4669% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.8381% | 1,384 |
| Noncurrent loans to loans | 0.2636% | 3,350 |
| Net loans and leases to total assets | 69.2052% | 2,075 |
| Net loans and leases to deposits | 82.0471% | 2,098 |
| Net loans and leases to core deposits | 85.5751% | 2,336 |
| Total domestic deposits to total assets | 84.3482% | 2,694 |
| Equity capital to assets | 14.2409% | 798 |
| Core capital (leverage) ratio | 13.2650% | 885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5613% | 620 |
| Memoranda: |
| Average total assets | $388,815,750 | 1,881 |
| Average earning assets | $353,846,000 | 1,907 |
| Average equity | $56,251,000 | 1,509 |
| Average total loans | $265,838,000 | 1,837 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7335% | 4,017 |
| Cost of funding earning assets | 0.3133% | 4,425 |
| Net interest margin | 3.4202% | 3,036 |
| Noninterest income to average assets | 0.3994% | 3,086 |
| Noninterest expense to average assets | 2.2507% | 3,651 |
| Loan and lease loss provision to assets | 0.1500% | 2,504 |
| Net operating income to assets | 0.8072% | 3,024 |
| Return on assets (ROA) | 0.8072% | 3,134 |
| Pretax return on assets | 1.1024% | 2,703 |
| Return on Equity (ROE) | 5.5489% | 3,654 |
| Retained earnings to average equity (ytd only) | 2.6849% | 3,508 |
| Net charge-offs to loans | 0.0153% | 2,436 |
| Credit loss provision to net charge-offs | 1,440.0000% | 617 |
| Earnings coverage of net charge-offs (x) | 120.2500% | 623 |
| Efficiency ratio | 63.2674% | 2,918 |
| Assets per employee ($millions) | 9.3113% | 620 |
| Cash dividends to net income (ytd only)* | 51.6129% | 1,503 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7718% | 4,411 |
| Loan loss allowance to noncurrent loans | 296.6033% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.8424% | 1,473 |
| Noncurrent loans to loans | 0.2602% | 3,452 |
| Net loans and leases to total assets | 70.0940% | 2,014 |
| Net loans and leases to deposits | 82.9891% | 2,094 |
| Net loans and leases to core deposits | 86.5032% | 2,392 |
| Total domestic deposits to total assets | 84.4617% | 2,572 |
| Equity capital to assets | 14.1412% | 824 |
| Core capital (leverage) ratio | 13.3133% | 922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8930% | 687 |
| Memoranda: |
| Average total assets | $384,061,667 | 1,873 |
| Average earning assets | $348,520,667 | 1,905 |
| Average equity | $55,867,333 | 1,501 |
| Average total loans | $260,739,667 | 1,840 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8965% | 4,041 |
| Cost of funding earning assets | 0.3590% | 4,490 |
| Net interest margin | 3.5374% | 2,858 |
| Noninterest income to average assets | 0.4342% | 2,886 |
| Noninterest expense to average assets | 2.5581% | 3,108 |
| Loan and lease loss provision to assets | 0.3065% | 1,013 |
| Net operating income to assets | 0.5895% | 3,625 |
| Return on assets (ROA) | 0.5895% | 3,682 |
| Pretax return on assets | 0.7672% | 3,497 |
| Return on Equity (ROE) | 3.9934% | 3,953 |
| Retained earnings to average equity (ytd only) | 0.9299% | 3,762 |
| Net charge-offs to loans | 0.0320% | 1,749 |
| Credit loss provision to net charge-offs | 1,440.0000% | 457 |
| Earnings coverage of net charge-offs (x) | 50.4500% | 892 |
| Efficiency ratio | 69.4111% | 2,447 |
| Assets per employee ($millions) | 8.5755% | 615 |
| Cash dividends to net income (ytd only)* | 76.7148% | 1,081 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8772% | 4,196 |
| Loan loss allowance to noncurrent loans | 302.3546% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.8902% | 1,508 |
| Noncurrent loans to loans | 0.2901% | 3,459 |
| Net loans and leases to total assets | 65.3786% | 2,888 |
| Net loans and leases to deposits | 78.1209% | 2,872 |
| Net loans and leases to core deposits | 82.5112% | 2,975 |
| Total domestic deposits to total assets | 83.6890% | 2,890 |
| Equity capital to assets | 14.7956% | 806 |
| Core capital (leverage) ratio | 13.9376% | 928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8888% | 760 |
| Memoranda: |
| Average total assets | $375,900,500 | 1,866 |
| Average earning assets | $339,793,000 | 1,890 |
| Average equity | $55,491,500 | 1,511 |
| Average total loans | $249,695,500 | 1,857 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1490% | 3,930 |
| Cost of funding earning assets | 0.3839% | 4,496 |
| Net interest margin | 3.7651% | 2,625 |
| Noninterest income to average assets | 0.5203% | 2,624 |
| Noninterest expense to average assets | 2.4553% | 3,562 |
| Loan and lease loss provision to assets | -0.0021% | 4,905 |
| Net operating income to assets | 1.0876% | 2,490 |
| Return on assets (ROA) | 1.0876% | 2,588 |
| Pretax return on assets | 1.5037% | 1,799 |
| Return on Equity (ROE) | 7.6308% | 3,311 |
| Retained earnings to average equity (ytd only) | 4.1902% | 2,863 |
| Net charge-offs to loans | -0.0020% | 4,225 |
| Credit loss provision to net charge-offs | 160.0000% | 1,611 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8186% | 3,565 |
| Assets per employee ($millions) | 8.9162% | 518 |
| Cash dividends to net income (ytd only)* | 45.0890% | 2,324 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7644% | 4,408 |
| Loan loss allowance to noncurrent loans | 340.7473% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.8543% | 1,505 |
| Noncurrent loans to loans | 0.2243% | 3,647 |
| Net loans and leases to total assets | 66.3870% | 2,908 |
| Net loans and leases to deposits | 79.2602% | 2,873 |
| Net loans and leases to core deposits | 84.3699% | 2,913 |
| Total domestic deposits to total assets | 83.7583% | 2,928 |
| Equity capital to assets | 14.7287% | 862 |
| Core capital (leverage) ratio | 13.5821% | 1,029 |
| Tier 1 risk-based capital ratio | 20.1025% | 1,314 |
| Total risk-based capital ratio | 20.8899% | 1,356 |
| Memoranda: |
| Average total assets | $377,262,200 | 1,814 |
| Average earning assets | $344,347,400 | 1,834 |
| Average equity | $53,768,600 | 1,504 |
| Average total loans | $250,591,400 | 1,827 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1505% | 4,039 |
| Cost of funding earning assets | 0.3737% | 4,585 |
| Net interest margin | 3.7768% | 2,665 |
| Noninterest income to average assets | 0.5041% | 2,704 |
| Noninterest expense to average assets | 2.5247% | 3,366 |
| Loan and lease loss provision to assets | -0.0099% | 5,053 |
| Net operating income to assets | 1.0791% | 2,655 |
| Return on assets (ROA) | 1.0791% | 2,746 |
| Pretax return on assets | 1.4403% | 2,153 |
| Return on Equity (ROE) | 7.6346% | 3,463 |
| Retained earnings to average equity (ytd only) | 4.1405% | 3,337 |
| Net charge-offs to loans | -0.0021% | 4,064 |
| Credit loss provision to net charge-offs | 700.0000% | 475 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5401% | 3,241 |
| Assets per employee ($millions) | 9.4277% | 414 |
| Cash dividends to net income (ytd only)* | 45.7666% | 1,892 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7630% | 4,515 |
| Loan loss allowance to noncurrent loans | 56.0687% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 0.8958% | 1,518 |
| Noncurrent loans to loans | 1.3609% | 1,133 |
| Net loans and leases to total assets | 65.3202% | 3,137 |
| Net loans and leases to deposits | 77.8243% | 3,113 |
| Net loans and leases to core deposits | 82.9147% | 3,184 |
| Total domestic deposits to total assets | 83.9329% | 2,848 |
| Equity capital to assets | 14.4988% | 977 |
| Core capital (leverage) ratio | 13.6886% | 1,081 |
| Tier 1 risk-based capital ratio | 20.1653% | 1,339 |
| Total risk-based capital ratio | 20.9582% | 1,382 |
| Memoranda: |
| Average total assets | $377,957,750 | 1,824 |
| Average earning assets | $345,367,250 | 1,847 |
| Average equity | $53,421,750 | 1,511 |
| Average total loans | $250,609,000 | 1,836 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2102% | 3,903 |
| Cost of funding earning assets | 0.3562% | 4,664 |
| Net interest margin | 3.8540% | 2,393 |
| Noninterest income to average assets | 0.5303% | 2,502 |
| Noninterest expense to average assets | 2.6327% | 3,110 |
| Loan and lease loss provision to assets | -0.0148% | 5,127 |
| Net operating income to assets | 1.0750% | 2,628 |
| Return on assets (ROA) | 1.0750% | 2,693 |
| Pretax return on assets | 1.4308% | 2,101 |
| Return on Equity (ROE) | 7.6712% | 3,429 |
| Retained earnings to average equity (ytd only) | 4.0865% | 3,203 |
| Net charge-offs to loans | -0.0024% | 3,986 |
| Credit loss provision to net charge-offs | 933.3333% | 365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7064% | 3,177 |
| Assets per employee ($millions) | 8.0358% | 660 |
| Cash dividends to net income (ytd only)* | 46.7290% | 1,938 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7613% | 4,577 |
| Loan loss allowance to noncurrent loans | 55.5295% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 0.9222% | 1,506 |
| Noncurrent loans to loans | 1.3710% | 1,132 |
| Net loans and leases to total assets | 66.7555% | 3,011 |
| Net loans and leases to deposits | 79.6197% | 2,998 |
| Net loans and leases to core deposits | 84.8581% | 3,046 |
| Total domestic deposits to total assets | 83.8429% | 2,933 |
| Equity capital to assets | 14.5983% | 921 |
| Core capital (leverage) ratio | 13.3115% | 1,185 |
| Tier 1 risk-based capital ratio | 19.7424% | 1,399 |
| Total risk-based capital ratio | 20.5289% | 1,455 |
| Memoranda: |
| Average total assets | $378,241,330 | 1,835 |
| Average earning assets | $345,303,000 | 1,853 |
| Average equity | $53,003,670 | 1,511 |
| Average total loans | $251,405,000 | 1,837 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1654% | 3,962 |
| Cost of funding earning assets | 0.3259% | 4,751 |
| Net interest margin | 3.8395% | 2,379 |
| Noninterest income to average assets | 0.4183% | 3,066 |
| Noninterest expense to average assets | 2.6277% | 3,132 |
| Loan and lease loss provision to assets | -0.0293% | 5,237 |
| Net operating income to assets | 0.9934% | 2,872 |
| Return on assets (ROA) | 0.9934% | 2,908 |
| Pretax return on assets | 1.3311% | 2,328 |
| Return on Equity (ROE) | 7.2347% | 3,580 |
| Retained earnings to average equity (ytd only) | 3.4270% | 3,543 |
| Net charge-offs to loans | -0.0063% | 4,083 |
| Credit loss provision to net charge-offs | 700.0000% | 485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4604% | 3,013 |
| Assets per employee ($millions) | 8.2486% | 613 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,555 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7587% | 4,642 |
| Loan loss allowance to noncurrent loans | 42.9284% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 1.2660% | 1,044 |
| Noncurrent loans to loans | 1.7673% | 877 |
| Net loans and leases to total assets | 63.9074% | 3,294 |
| Net loans and leases to deposits | 75.2698% | 3,327 |
| Net loans and leases to core deposits | 79.8110% | 3,388 |
| Total domestic deposits to total assets | 84.9044% | 2,715 |
| Equity capital to assets | 13.6591% | 1,149 |
| Core capital (leverage) ratio | 12.7692% | 1,371 |
| Tier 1 risk-based capital ratio | 19.7040% | 1,400 |
| Total risk-based capital ratio | 20.4888% | 1,468 |
| Memoranda: |
| Average total assets | $382,539,000 | 1,827 |
| Average earning assets | $349,833,000 | 1,850 |
| Average equity | $52,524,500 | 1,513 |
| Average total loans | $252,781,500 | 1,845 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2269% | 3,366 |
| Cost of funding earning assets | 0.2980% | 4,581 |
| Net interest margin | 3.9290% | 2,231 |
| Noninterest income to average assets | 0.5686% | 2,456 |
| Noninterest expense to average assets | 2.5842% | 3,383 |
| Loan and lease loss provision to assets | 0.0472% | 3,241 |
| Net operating income to assets | 1.1239% | 2,502 |
| Return on assets (ROA) | 1.1239% | 2,499 |
| Pretax return on assets | 1.4931% | 1,801 |
| Return on Equity (ROE) | 7.9562% | 3,460 |
| Retained earnings to average equity (ytd only) | 7.9562% | 1,254 |
| Net charge-offs to loans | 0.0382% | 2,635 |
| Credit loss provision to net charge-offs | 175.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 57.1146% | 1,051 |
| Efficiency ratio | 60.9249% | 3,706 |
| Assets per employee ($millions) | 7.8624% | 690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7495% | 4,676 |
| Loan loss allowance to noncurrent loans | 45.6341% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 1.2838% | 996 |
| Noncurrent loans to loans | 1.6424% | 891 |
| Net loans and leases to total assets | 67.3016% | 2,965 |
| Net loans and leases to deposits | 79.4878% | 3,006 |
| Net loans and leases to core deposits | 84.7073% | 3,022 |
| Total domestic deposits to total assets | 84.6691% | 2,777 |
| Equity capital to assets | 13.8038% | 1,029 |
| Core capital (leverage) ratio | 13.0702% | 1,218 |
| Tier 1 risk-based capital ratio | 19.0132% | 1,517 |
| Total risk-based capital ratio | 19.8833% | 1,548 |
| Memoranda: |
| Average total assets | $355,977,600 | 1,894 |
| Average earning assets | $322,171,200 | 1,916 |
| Average equity | $50,288,000 | 1,515 |
| Average total loans | $251,627,000 | 1,815 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1915% | 3,346 |
| Cost of funding earning assets | 0.2848% | 4,611 |
| Net interest margin | 3.9068% | 2,275 |
| Noninterest income to average assets | 0.5103% | 2,804 |
| Noninterest expense to average assets | 2.6311% | 3,196 |
| Loan and lease loss provision to assets | 0.0464% | 3,055 |
| Net operating income to assets | 1.0282% | 2,973 |
| Return on assets (ROA) | 1.0282% | 2,985 |
| Pretax return on assets | 1.3594% | 2,381 |
| Return on Equity (ROE) | 7.2342% | 3,846 |
| Retained earnings to average equity (ytd only) | 7.2342% | 2,007 |
| Net charge-offs to loans | 0.0500% | 2,114 |
| Credit loss provision to net charge-offs | 129.7872% | 1,899 |
| Earnings coverage of net charge-offs (x) | 39.3298% | 1,371 |
| Efficiency ratio | 63.3195% | 3,289 |
| Assets per employee ($millions) | 7.3788% | 813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7411% | 4,777 |
| Loan loss allowance to noncurrent loans | 39.4859% | 4,584 |
| Noncurrent assets plus other real estate owned to assets | 1.5108% | 841 |
| Noncurrent loans to loans | 1.8768% | 809 |
| Net loans and leases to total assets | 70.8689% | 2,519 |
| Net loans and leases to deposits | 84.3768% | 2,554 |
| Net loans and leases to core deposits | 90.4324% | 2,624 |
| Total domestic deposits to total assets | 83.9910% | 2,942 |
| Equity capital to assets | 14.3618% | 863 |
| Core capital (leverage) ratio | 13.5160% | 1,099 |
| Tier 1 risk-based capital ratio | 18.5096% | 1,666 |
| Total risk-based capital ratio | 19.3641% | 1,715 |
| Memoranda: |
| Average total assets | $350,623,250 | 1,931 |
| Average earning assets | $316,502,750 | 1,951 |
| Average equity | $49,836,250 | 1,530 |
| Average total loans | $250,556,000 | 1,822 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1471% | 3,290 |
| Cost of funding earning assets | 0.2760% | 4,592 |
| Net interest margin | 3.8711% | 2,309 |
| Noninterest income to average assets | 0.5294% | 2,694 |
| Noninterest expense to average assets | 2.6288% | 3,228 |
| Loan and lease loss provision to assets | 0.0424% | 3,051 |
| Net operating income to assets | 1.0297% | 2,895 |
| Return on assets (ROA) | 1.0297% | 2,897 |
| Pretax return on assets | 1.3582% | 2,298 |
| Return on Equity (ROE) | 7.2698% | 3,809 |
| Retained earnings to average equity (ytd only) | 7.2698% | 1,944 |
| Net charge-offs to loans | 0.0769% | 1,559 |
| Credit loss provision to net charge-offs | 77.0833% | 2,290 |
| Earnings coverage of net charge-offs (x) | 25.4896% | 1,640 |
| Efficiency ratio | 63.3097% | 3,414 |
| Assets per employee ($millions) | 7.1631% | 870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7216% | 4,889 |
| Loan loss allowance to noncurrent loans | 34.1893% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 1.7404% | 691 |
| Noncurrent loans to loans | 2.1107% | 674 |
| Net loans and leases to total assets | 72.9835% | 2,118 |
| Net loans and leases to deposits | 87.1125% | 2,206 |
| Net loans and leases to core deposits | 92.7127% | 2,336 |
| Total domestic deposits to total assets | 83.7806% | 3,136 |
| Equity capital to assets | 14.5767% | 788 |
| Core capital (leverage) ratio | 13.2323% | 1,147 |
| Tier 1 risk-based capital ratio | 18.2208% | 1,745 |
| Total risk-based capital ratio | 19.0623% | 1,818 |
| Memoranda: |
| Average total assets | $349,437,000 | 1,940 |
| Average earning assets | $315,931,330 | 1,964 |
| Average equity | $49,492,670 | 1,543 |
| Average total loans | $249,781,670 | 1,835 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0736% | 3,326 |
| Cost of funding earning assets | 0.2695% | 4,585 |
| Net interest margin | 3.8041% | 2,410 |
| Noninterest income to average assets | 0.5031% | 2,778 |
| Noninterest expense to average assets | 2.6028% | 3,328 |
| Loan and lease loss provision to assets | 0.0511% | 2,755 |
| Net operating income to assets | 0.9743% | 2,968 |
| Return on assets (ROA) | 0.9743% | 2,996 |
| Pretax return on assets | 1.2957% | 2,382 |
| Return on Equity (ROE) | 6.9785% | 3,790 |
| Retained earnings to average equity (ytd only) | 6.9785% | 2,285 |
| Net charge-offs to loans | -0.0032% | 3,892 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8873% | 3,499 |
| Assets per employee ($millions) | 7.1406% | 912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7637% | 4,880 |
| Loan loss allowance to noncurrent loans | 32.3650% | 4,770 |
| Noncurrent assets plus other real estate owned to assets | 1.7182% | 738 |
| Noncurrent loans to loans | 2.3597% | 601 |
| Net loans and leases to total assets | 70.3379% | 2,423 |
| Net loans and leases to deposits | 83.4012% | 2,462 |
| Net loans and leases to core deposits | 88.6319% | 2,580 |
| Total domestic deposits to total assets | 84.3368% | 3,175 |
| Equity capital to assets | 14.0704% | 870 |
| Core capital (leverage) ratio | 12.7503% | 1,273 |
| Tier 1 risk-based capital ratio | 18.0950% | 1,809 |
| Total risk-based capital ratio | 18.9865% | 1,857 |
| Memoranda: |
| Average total assets | $352,240,500 | 1,943 |
| Average earning assets | $319,126,000 | 1,962 |
| Average equity | $49,179,500 | 1,556 |
| Average total loans | $248,291,000 | 1,864 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2437% | 2,521 |
| Cost of funding earning assets | 0.2266% | 4,742 |
| Net interest margin | 4.0171% | 1,698 |
| Noninterest income to average assets | 0.4829% | 3,109 |
| Noninterest expense to average assets | 2.7012% | 3,122 |
| Loan and lease loss provision to assets | 0.0969% | 2,271 |
| Net operating income to assets | 1.4109% | 990 |
| Return on assets (ROA) | 1.4109% | 1,009 |
| Pretax return on assets | 1.2880% | 2,400 |
| Return on Equity (ROE) | 9.8986% | 1,932 |
| Retained earnings to average equity (ytd only) | 9.8986% | 362 |
| Net charge-offs to loans | 0.0412% | 2,961 |
| Credit loss provision to net charge-offs | 321.0000% | 895 |
| Earnings coverage of net charge-offs (x) | 45.8600% | 1,164 |
| Efficiency ratio | 63.7056% | 3,643 |
| Assets per employee ($millions) | 7.0918% | 933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7426% | 4,971 |
| Loan loss allowance to noncurrent loans | 33.3936% | 4,803 |
| Noncurrent assets plus other real estate owned to assets | 1.6532% | 791 |
| Noncurrent loans to loans | 2.2238% | 645 |
| Net loans and leases to total assets | 69.5835% | 2,592 |
| Net loans and leases to deposits | 82.3049% | 2,691 |
| Net loans and leases to core deposits | 87.2167% | 2,798 |
| Total domestic deposits to total assets | 84.5436% | 3,022 |
| Equity capital to assets | 13.8549% | 947 |
| Core capital (leverage) ratio | 12.6296% | 1,296 |
| Tier 1 risk-based capital ratio | 17.7449% | 1,875 |
| Total risk-based capital ratio | 18.6077% | 1,931 |
| Memoranda: |
| Average total assets | $331,144,800 | 2,004 |
| Average earning assets | $297,028,800 | 2,056 |
| Average equity | $47,198,400 | 1,592 |
| Average total loans | $242,673,600 | 1,861 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2922% | 2,287 |
| Cost of funding earning assets | 0.2094% | 4,886 |
| Net interest margin | 4.0828% | 1,435 |
| Noninterest income to average assets | 0.5435% | 2,758 |
| Noninterest expense to average assets | 2.7163% | 3,003 |
| Loan and lease loss provision to assets | 0.0266% | 3,597 |
| Net operating income to assets | 1.3330% | 1,242 |
| Return on assets (ROA) | 1.3330% | 1,268 |
| Pretax return on assets | 1.4526% | 1,936 |
| Return on Equity (ROE) | 9.2814% | 2,455 |
| Retained earnings to average equity (ytd only) | 9.2814% | 768 |
| Net charge-offs to loans | 0.0276% | 2,886 |
| Credit loss provision to net charge-offs | 130.0000% | 1,890 |
| Earnings coverage of net charge-offs (x) | 72.1746% | 870 |
| Efficiency ratio | 62.2997% | 3,834 |
| Assets per employee ($millions) | 6.8299% | 1,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6790% | 5,186 |
| Loan loss allowance to noncurrent loans | 32.5914% | 4,897 |
| Noncurrent assets plus other real estate owned to assets | 1.6926% | 855 |
| Noncurrent loans to loans | 2.0834% | 803 |
| Net loans and leases to total assets | 73.1729% | 2,067 |
| Net loans and leases to deposits | 87.4616% | 2,133 |
| Net loans and leases to core deposits | 93.2774% | 2,324 |
| Total domestic deposits to total assets | 83.6629% | 3,241 |
| Equity capital to assets | 14.5932% | 831 |
| Core capital (leverage) ratio | 13.5885% | 992 |
| Tier 1 risk-based capital ratio | 17.8635% | 1,888 |
| Total risk-based capital ratio | 18.6506% | 1,989 |
| Memoranda: |
| Average total assets | $325,283,500 | 2,050 |
| Average earning assets | $290,971,250 | 2,106 |
| Average equity | $46,716,000 | 1,625 |
| Average total loans | $241,196,500 | 1,883 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2742% | 2,214 |
| Cost of funding earning assets | 0.2018% | 4,961 |
| Net interest margin | 4.0725% | 1,397 |
| Noninterest income to average assets | 0.5382% | 2,774 |
| Noninterest expense to average assets | 2.6724% | 3,189 |
| Loan and lease loss provision to assets | 0.0080% | 3,768 |
| Net operating income to assets | 1.5714% | 753 |
| Return on assets (ROA) | 1.5714% | 772 |
| Pretax return on assets | 1.5035% | 1,622 |
| Return on Equity (ROE) | 11.0011% | 1,651 |
| Retained earnings to average equity (ytd only) | 11.0011% | 441 |
| Net charge-offs to loans | 0.0183% | 2,882 |
| Credit loss provision to net charge-offs | 59.0909% | 2,471 |
| Earnings coverage of net charge-offs (x) | 111.4545% | 607 |
| Efficiency ratio | 61.3526% | 4,112 |
| Assets per employee ($millions) | 6.5981% | 1,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6714% | 5,262 |
| Loan loss allowance to noncurrent loans | 21.2828% | 5,098 |
| Noncurrent assets plus other real estate owned to assets | 2.4379% | 459 |
| Noncurrent loans to loans | 3.1548% | 397 |
| Net loans and leases to total assets | 73.9430% | 1,880 |
| Net loans and leases to deposits | 88.4579% | 1,930 |
| Net loans and leases to core deposits | 93.7711% | 2,173 |
| Total domestic deposits to total assets | 83.5911% | 3,368 |
| Equity capital to assets | 14.6981% | 767 |
| Core capital (leverage) ratio | 13.2539% | 1,075 |
| Tier 1 risk-based capital ratio | 17.3834% | 2,045 |
| Total risk-based capital ratio | 18.1578% | 2,138 |
| Memoranda: |
| Average total assets | $324,432,330 | 2,056 |
| Average earning assets | $290,437,000 | 2,111 |
| Average equity | $46,340,670 | 1,634 |
| Average total loans | $241,086,000 | 1,877 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1955% | 2,292 |
| Cost of funding earning assets | 0.1921% | 5,045 |
| Net interest margin | 4.0035% | 1,464 |
| Noninterest income to average assets | 0.3902% | 3,737 |
| Noninterest expense to average assets | 2.6056% | 3,479 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.0960% | 262 |
| Return on assets (ROA) | 2.0960% | 269 |
| Pretax return on assets | 1.3760% | 1,969 |
| Return on Equity (ROE) | 14.8893% | 662 |
| Retained earnings to average equity (ytd only) | 14.8893% | 238 |
| Net charge-offs to loans | 0.0365% | 2,058 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 50.8182% | 888 |
| Efficiency ratio | 62.7202% | 4,036 |
| Assets per employee ($millions) | 7.0748% | 918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6647% | 5,376 |
| Loan loss allowance to noncurrent loans | 27.8831% | 5,082 |
| Noncurrent assets plus other real estate owned to assets | 1.9103% | 714 |
| Noncurrent loans to loans | 2.3838% | 681 |
| Net loans and leases to total assets | 73.6124% | 1,803 |
| Net loans and leases to deposits | 87.6523% | 1,844 |
| Net loans and leases to core deposits | 93.1098% | 2,057 |
| Total domestic deposits to total assets | 83.9824% | 3,487 |
| Equity capital to assets | 14.3104% | 812 |
| Core capital (leverage) ratio | 13.1003% | 1,102 |
| Tier 1 risk-based capital ratio | 17.3219% | 2,090 |
| Total risk-based capital ratio | 18.1114% | 2,196 |
| Memoranda: |
| Average total assets | $324,995,500 | 2,066 |
| Average earning assets | $291,547,000 | 2,127 |
| Average equity | $45,751,000 | 1,652 |
| Average total loans | $241,290,000 | 1,887 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3116% | 2,106 |
| Cost of funding earning assets | 0.1502% | 5,423 |
| Net interest margin | 4.1614% | 1,207 |
| Noninterest income to average assets | 0.4730% | 3,394 |
| Noninterest expense to average assets | 2.8696% | 2,783 |
| Loan and lease loss provision to assets | 0.0555% | 3,272 |
| Net operating income to assets | 2.6082% | 127 |
| Return on assets (ROA) | 2.6558% | 117 |
| Pretax return on assets | 1.3398% | 2,143 |
| Return on Equity (ROE) | 19.9948% | 210 |
| Retained earnings to average equity (ytd only) | 19.9948% | 47 |
| Net charge-offs to loans | 0.0178% | 3,713 |
| Credit loss provision to net charge-offs | 426.8293% | 752 |
| Earnings coverage of net charge-offs (x) | 103.6098% | 585 |
| Efficiency ratio | 65.0718% | 3,746 |
| Assets per employee ($millions) | 6.6222% | 1,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6735% | 5,407 |
| Loan loss allowance to noncurrent loans | 29.8294% | 5,080 |
| Noncurrent assets plus other real estate owned to assets | 1.9323% | 728 |
| Noncurrent loans to loans | 2.2580% | 744 |
| Net loans and leases to total assets | 73.8963% | 1,866 |
| Net loans and leases to deposits | 87.5793% | 1,978 |
| Net loans and leases to core deposits | 92.4462% | 2,255 |
| Total domestic deposits to total assets | 84.3764% | 3,281 |
| Equity capital to assets | 13.8753% | 928 |
| Core capital (leverage) ratio | 12.8145% | 1,206 |
| Tier 1 risk-based capital ratio | 16.8955% | 2,190 |
| Total risk-based capital ratio | 17.6937% | 2,309 |
| Memoranda: |
| Average total assets | $315,201,800 | 2,094 |
| Average earning assets | $283,604,600 | 2,134 |
| Average equity | $41,865,800 | 1,773 |
| Average total loans | $230,909,200 | 1,899 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3094% | 2,133 |
| Cost of funding earning assets | 0.1386% | 5,554 |
| Net interest margin | 4.1708% | 1,199 |
| Noninterest income to average assets | 0.5152% | 3,149 |
| Noninterest expense to average assets | 2.9131% | 2,602 |
| Loan and lease loss provision to assets | 0.0639% | 2,956 |
| Net operating income to assets | 3.0861% | 81 |
| Return on assets (ROA) | 3.1500% | 80 |
| Pretax return on assets | 1.3594% | 2,196 |
| Return on Equity (ROE) | 23.9938% | 100 |
| Retained earnings to average equity (ytd only) | 23.9938% | 32 |
| Net charge-offs to loans | 0.0193% | 3,319 |
| Credit loss provision to net charge-offs | 454.5455% | 761 |
| Earnings coverage of net charge-offs (x) | 96.6643% | 680 |
| Efficiency ratio | 65.1606% | 3,738 |
| Assets per employee ($millions) | 6.2942% | 1,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6815% | 5,461 |
| Loan loss allowance to noncurrent loans | 29.0096% | 5,196 |
| Noncurrent assets plus other real estate owned to assets | 2.1312% | 706 |
| Noncurrent loans to loans | 2.3493% | 778 |
| Net loans and leases to total assets | 74.4607% | 1,795 |
| Net loans and leases to deposits | 88.9483% | 1,895 |
| Net loans and leases to core deposits | 94.1797% | 2,180 |
| Total domestic deposits to total assets | 83.7124% | 3,317 |
| Equity capital to assets | 14.1266% | 992 |
| Core capital (leverage) ratio | 12.8708% | 1,238 |
| Tier 1 risk-based capital ratio | 16.5024% | 2,417 |
| Total risk-based capital ratio | 17.2888% | 2,552 |
| Memoranda: |
| Average total assets | $312,879,750 | 2,103 |
| Average earning assets | $281,855,250 | 2,150 |
| Average equity | $41,076,250 | 1,814 |
| Average total loans | $228,283,500 | 1,921 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2654% | 2,273 |
| Cost of funding earning assets | 0.1278% | 5,707 |
| Net interest margin | 4.1377% | 1,270 |
| Noninterest income to average assets | 0.5367% | 2,973 |
| Noninterest expense to average assets | 2.9071% | 2,651 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 3.7916% | 57 |
| Return on assets (ROA) | 3.8877% | 56 |
| Pretax return on assets | 1.4590% | 1,810 |
| Return on Equity (ROE) | 30.3887% | 42 |
| Retained earnings to average equity (ytd only) | 30.3887% | 20 |
| Net charge-offs to loans | 0.0266% | 2,948 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 70.9333% | 769 |
| Efficiency ratio | 64.9918% | 3,852 |
| Assets per employee ($millions) | 6.2431% | 1,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6428% | 5,627 |
| Loan loss allowance to noncurrent loans | 26.4626% | 5,331 |
| Noncurrent assets plus other real estate owned to assets | 2.1790% | 712 |
| Noncurrent loans to loans | 2.4289% | 735 |
| Net loans and leases to total assets | 73.8257% | 1,877 |
| Net loans and leases to deposits | 88.3704% | 1,939 |
| Net loans and leases to core deposits | 94.0640% | 2,163 |
| Total domestic deposits to total assets | 83.5411% | 3,447 |
| Equity capital to assets | 14.3106% | 929 |
| Core capital (leverage) ratio | 12.4875% | 1,359 |
| Tier 1 risk-based capital ratio | 16.4798% | 2,441 |
| Total risk-based capital ratio | 17.2318% | 2,589 |
| Memoranda: |
| Average total assets | $312,269,330 | 2,117 |
| Average earning assets | $281,753,000 | 2,162 |
| Average equity | $39,949,000 | 1,859 |
| Average total loans | $225,730,000 | 1,947 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1876% | 2,518 |
| Cost of funding earning assets | 0.1261% | 5,782 |
| Net interest margin | 4.0615% | 1,446 |
| Noninterest income to average assets | 0.4654% | 3,372 |
| Noninterest expense to average assets | 2.8112% | 3,024 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3302% | 1,185 |
| Return on assets (ROA) | 1.3327% | 1,260 |
| Pretax return on assets | 1.3327% | 2,169 |
| Return on Equity (ROE) | 11.0531% | 1,581 |
| Retained earnings to average equity (ytd only) | 11.0531% | 641 |
| Net charge-offs to loans | -0.0889% | 5,586 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6663% | 4,021 |
| Assets per employee ($millions) | 6.2920% | 1,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6746% | 5,639 |
| Loan loss allowance to noncurrent loans | 26.3014% | 5,357 |
| Noncurrent assets plus other real estate owned to assets | 2.1704% | 770 |
| Noncurrent loans to loans | 2.5649% | 721 |
| Net loans and leases to total assets | 72.1193% | 2,019 |
| Net loans and leases to deposits | 84.2898% | 2,275 |
| Net loans and leases to core deposits | 88.5735% | 2,507 |
| Total domestic deposits to total assets | 85.5611% | 2,881 |
| Equity capital to assets | 12.3070% | 1,827 |
| Core capital (leverage) ratio | 11.3496% | 2,095 |
| Tier 1 risk-based capital ratio | 15.4743% | 2,934 |
| Total risk-based capital ratio | 16.2636% | 3,087 |
| Memoranda: |
| Average total assets | $315,447,000 | 2,108 |
| Average earning assets | $285,511,500 | 2,149 |
| Average equity | $38,034,500 | 1,929 |
| Average total loans | $224,943,000 | 1,951 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0705% | 3,028 |
| Cost of funding earning assets | 0.2097% | 5,196 |
| Net interest margin | 3.8607% | 2,162 |
| Noninterest income to average assets | 0.5368% | 3,093 |
| Noninterest expense to average assets | 3.4468% | 1,392 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6010% | 4,263 |
| Return on assets (ROA) | 0.6068% | 4,336 |
| Pretax return on assets | 0.6068% | 4,817 |
| Return on Equity (ROE) | 5.2520% | 4,393 |
| Retained earnings to average equity (ytd only) | 5.2520% | 2,241 |
| Net charge-offs to loans | -0.0075% | 5,049 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8720% | 1,284 |
| Assets per employee ($millions) | 6.3259% | 1,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6733% | 5,687 |
| Loan loss allowance to noncurrent loans | 23.7951% | 5,429 |
| Noncurrent assets plus other real estate owned to assets | 2.5584% | 600 |
| Noncurrent loans to loans | 2.8294% | 596 |
| Net loans and leases to total assets | 69.5450% | 2,438 |
| Net loans and leases to deposits | 80.9919% | 2,711 |
| Net loans and leases to core deposits | 84.9149% | 2,888 |
| Total domestic deposits to total assets | 85.8666% | 2,701 |
| Equity capital to assets | 11.8090% | 2,102 |
| Core capital (leverage) ratio | 10.8821% | 2,513 |
| Tier 1 risk-based capital ratio | 15.8032% | 2,780 |
| Total risk-based capital ratio | 16.6053% | 2,945 |
| Memoranda: |
| Average total assets | $242,744,800 | 2,555 |
| Average earning assets | $220,760,600 | 2,578 |
| Average equity | $28,046,600 | 2,456 |
| Average total loans | $159,279,200 | 2,483 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8762% | 3,825 |
| Cost of funding earning assets | 0.2404% | 4,991 |
| Net interest margin | 3.6359% | 3,013 |
| Noninterest income to average assets | 0.4843% | 3,479 |
| Noninterest expense to average assets | 3.6120% | 1,099 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1896% | 5,698 |
| Return on assets (ROA) | 0.1931% | 5,752 |
| Pretax return on assets | 0.1931% | 5,800 |
| Return on Equity (ROE) | 1.6847% | 5,735 |
| Retained earnings to average equity (ytd only) | 1.6847% | 5,028 |
| Net charge-offs to loans | -0.0111% | 5,028 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2312% | 512 |
| Assets per employee ($millions) | 6.7754% | 954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6913% | 5,749 |
| Loan loss allowance to noncurrent loans | 24.7880% | 5,522 |
| Noncurrent assets plus other real estate owned to assets | 2.1721% | 883 |
| Noncurrent loans to loans | 2.7888% | 673 |
| Net loans and leases to total assets | 67.2614% | 2,810 |
| Net loans and leases to deposits | 77.7739% | 3,118 |
| Net loans and leases to core deposits | 82.4470% | 3,208 |
| Total domestic deposits to total assets | 86.4833% | 2,291 |
| Equity capital to assets | 11.5468% | 2,466 |
| Core capital (leverage) ratio | 10.5258% | 3,017 |
| Tier 1 risk-based capital ratio | 15.8302% | 2,881 |
| Total risk-based capital ratio | 16.6490% | 3,021 |
| Memoranda: |
| Average total assets | $224,357,750 | 2,733 |
| Average earning assets | $204,694,500 | 2,744 |
| Average equity | $25,720,500 | 2,660 |
| Average total loans | $143,734,750 | 2,702 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5086% | 4,961 |
| Cost of funding earning assets | 0.2455% | 4,990 |
| Net interest margin | 3.2631% | 4,441 |
| Noninterest income to average assets | 0.5192% | 3,231 |
| Noninterest expense to average assets | 2.8063% | 3,213 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6881% | 3,946 |
| Return on assets (ROA) | 0.6943% | 4,032 |
| Pretax return on assets | 0.6943% | 4,673 |
| Return on Equity (ROE) | 6.0806% | 4,088 |
| Retained earnings to average equity (ytd only) | 6.0806% | 2,185 |
| Net charge-offs to loans | -0.0150% | 5,063 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3084% | 1,712 |
| Assets per employee ($millions) | 6.2201% | 1,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2646% | 3,431 |
| Loan loss allowance to noncurrent loans | 26.9810% | 5,560 |
| Noncurrent assets plus other real estate owned to assets | 3.3710% | 438 |
| Noncurrent loans to loans | 4.6870% | 276 |
| Net loans and leases to total assets | 60.2511% | 3,790 |
| Net loans and leases to deposits | 69.8786% | 3,948 |
| Net loans and leases to core deposits | 75.8367% | 3,788 |
| Total domestic deposits to total assets | 86.2226% | 2,569 |
| Equity capital to assets | 11.5204% | 2,396 |
| Core capital (leverage) ratio | 11.5577% | 1,956 |
| Tier 1 risk-based capital ratio | 17.7009% | 2,158 |
| Total risk-based capital ratio | 18.9510% | 2,105 |
| Memoranda: |
| Average total assets | $192,995,670 | 3,066 |
| Average earning assets | $175,967,000 | 3,086 |
| Average equity | $22,037,330 | 2,993 |
| Average total loans | $119,752,670 | 3,085 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5839% | 4,742 |
| Cost of funding earning assets | 0.2748% | 4,728 |
| Net interest margin | 3.3091% | 4,177 |
| Noninterest income to average assets | 0.4288% | 3,771 |
| Noninterest expense to average assets | 2.8133% | 3,205 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6339% | 4,123 |
| Return on assets (ROA) | 0.6464% | 4,183 |
| Pretax return on assets | 0.6464% | 4,777 |
| Return on Equity (ROE) | 5.6859% | 4,192 |
| Retained earnings to average equity (ytd only) | 5.6859% | 2,669 |
| Net charge-offs to loans | -0.0033% | 4,413 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6106% | 1,668 |
| Assets per employee ($millions) | 5.8885% | 1,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2156% | 3,876 |
| Loan loss allowance to noncurrent loans | 58.7302% | 4,759 |
| Noncurrent assets plus other real estate owned to assets | 1.8058% | 1,359 |
| Noncurrent loans to loans | 2.0698% | 1,254 |
| Net loans and leases to total assets | 61.8940% | 3,382 |
| Net loans and leases to deposits | 71.6030% | 3,573 |
| Net loans and leases to core deposits | 77.9278% | 3,386 |
| Total domestic deposits to total assets | 86.4405% | 2,695 |
| Equity capital to assets | 11.3261% | 2,621 |
| Core capital (leverage) ratio | 11.3303% | 2,132 |
| Tier 1 risk-based capital ratio | 17.4097% | 2,335 |
| Total risk-based capital ratio | 18.6568% | 2,287 |
| Memoranda: |
| Average total assets | $193,082,000 | 3,079 |
| Average earning assets | $176,120,500 | 3,102 |
| Average equity | $21,949,000 | 3,029 |
| Average total loans | $120,796,000 | 3,086 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6834% | 4,839 |
| Cost of funding earning assets | 0.3411% | 4,354 |
| Net interest margin | 3.3423% | 4,433 |
| Noninterest income to average assets | 0.4777% | 3,663 |
| Noninterest expense to average assets | 2.8229% | 3,404 |
| Loan and lease loss provision to assets | 0.0261% | 4,088 |
| Net operating income to assets | 0.6592% | 4,092 |
| Return on assets (ROA) | 0.6592% | 4,192 |
| Pretax return on assets | 0.6592% | 4,763 |
| Return on Equity (ROE) | 5.9896% | 4,156 |
| Retained earnings to average equity (ytd only) | 5.9896% | 1,937 |
| Net charge-offs to loans | 0.3652% | 1,192 |
| Credit loss provision to net charge-offs | 11.9617% | 4,077 |
| Earnings coverage of net charge-offs (x) | 3.1435% | 3,965 |
| Efficiency ratio | 80.4668% | 1,853 |
| Assets per employee ($millions) | 5.6424% | 1,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2333% | 3,803 |
| Loan loss allowance to noncurrent loans | 62.0487% | 4,748 |
| Noncurrent assets plus other real estate owned to assets | 1.7572% | 1,500 |
| Noncurrent loans to loans | 1.9877% | 1,400 |
| Net loans and leases to total assets | 61.6968% | 3,541 |
| Net loans and leases to deposits | 71.4266% | 3,744 |
| Net loans and leases to core deposits | 78.3645% | 3,479 |
| Total domestic deposits to total assets | 86.3779% | 2,630 |
| Equity capital to assets | 11.4099% | 2,507 |
| Core capital (leverage) ratio | 11.3245% | 2,109 |
| Tier 1 risk-based capital ratio | 18.6637% | 1,941 |
| Total risk-based capital ratio | 19.9144% | 1,907 |
| Memoranda: |
| Average total assets | $191,755,000 | 3,087 |
| Average earning assets | $173,862,400 | 3,113 |
| Average equity | $21,103,200 | 3,041 |
| Average total loans | $114,443,400 | 3,133 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6621% | 4,963 |
| Cost of funding earning assets | 0.3486% | 4,355 |
| Net interest margin | 3.3134% | 4,556 |
| Noninterest income to average assets | 0.5834% | 2,971 |
| Noninterest expense to average assets | 2.8768% | 3,208 |
| Loan and lease loss provision to assets | 0.0348% | 3,708 |
| Net operating income to assets | 0.6724% | 4,094 |
| Return on assets (ROA) | 0.6724% | 4,182 |
| Pretax return on assets | 0.6724% | 4,797 |
| Return on Equity (ROE) | 6.1669% | 4,147 |
| Retained earnings to average equity (ytd only) | 6.1669% | 2,296 |
| Net charge-offs to loans | 0.4775% | 829 |
| Credit loss provision to net charge-offs | 12.3457% | 3,678 |
| Earnings coverage of net charge-offs (x) | 2.5111% | 3,894 |
| Efficiency ratio | 80.2678% | 1,874 |
| Assets per employee ($millions) | 5.6024% | 1,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2459% | 3,980 |
| Loan loss allowance to noncurrent loans | 50.6449% | 5,126 |
| Noncurrent assets plus other real estate owned to assets | 1.9493% | 1,493 |
| Noncurrent loans to loans | 2.4601% | 1,201 |
| Net loans and leases to total assets | 62.0846% | 3,474 |
| Net loans and leases to deposits | 71.9068% | 3,691 |
| Net loans and leases to core deposits | 78.9410% | 3,447 |
| Total domestic deposits to total assets | 86.3404% | 2,678 |
| Equity capital to assets | 11.2882% | 2,668 |
| Core capital (leverage) ratio | 11.3230% | 2,194 |
| Tier 1 risk-based capital ratio | 18.7496% | 1,970 |
| Total risk-based capital ratio | 20.0007% | 1,935 |
| Memoranda: |
| Average total assets | $191,733,000 | 3,108 |
| Average earning assets | $173,631,750 | 3,141 |
| Average equity | $20,906,750 | 3,074 |
| Average total loans | $113,094,500 | 3,180 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6573% | 4,984 |
| Cost of funding earning assets | 0.3535% | 4,401 |
| Net interest margin | 3.3037% | 4,571 |
| Noninterest income to average assets | 0.6287% | 2,662 |
| Noninterest expense to average assets | 2.9123% | 3,121 |
| Loan and lease loss provision to assets | 0.0520% | 3,263 |
| Net operating income to assets | 0.6505% | 4,094 |
| Return on assets (ROA) | 0.6505% | 4,196 |
| Pretax return on assets | 0.6505% | 4,784 |
| Return on Equity (ROE) | 6.0362% | 4,128 |
| Retained earnings to average equity (ytd only) | 6.0362% | 2,300 |
| Net charge-offs to loans | 0.6458% | 602 |
| Credit loss provision to net charge-offs | 13.9665% | 3,268 |
| Earnings coverage of net charge-offs (x) | 1.8855% | 3,692 |
| Efficiency ratio | 80.5644% | 1,938 |
| Assets per employee ($millions) | 5.6921% | 1,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3207% | 3,749 |
| Loan loss allowance to noncurrent loans | 25.4759% | 5,893 |
| Noncurrent assets plus other real estate owned to assets | 3.4402% | 686 |
| Noncurrent loans to loans | 5.1840% | 369 |
| Net loans and leases to total assets | 59.4173% | 3,800 |
| Net loans and leases to deposits | 68.4558% | 4,000 |
| Net loans and leases to core deposits | 75.3034% | 3,704 |
| Total domestic deposits to total assets | 86.7966% | 2,579 |
| Equity capital to assets | 10.9490% | 2,925 |
| Core capital (leverage) ratio | 11.1449% | 2,294 |
| Tier 1 risk-based capital ratio | 18.5835% | 2,043 |
| Total risk-based capital ratio | 19.8355% | 1,996 |
| Memoranda: |
| Average total assets | $192,150,000 | 3,123 |
| Average earning assets | $173,682,330 | 3,153 |
| Average equity | $20,708,330 | 3,095 |
| Average total loans | $110,875,330 | 3,223 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7285% | 4,748 |
| Cost of funding earning assets | 0.3601% | 4,434 |
| Net interest margin | 3.3684% | 4,261 |
| Noninterest income to average assets | 0.6163% | 2,640 |
| Noninterest expense to average assets | 2.9186% | 3,155 |
| Loan and lease loss provision to assets | 0.1045% | 2,179 |
| Net operating income to assets | 0.6226% | 4,080 |
| Return on assets (ROA) | 0.6226% | 4,166 |
| Pretax return on assets | 0.6226% | 4,754 |
| Return on Equity (ROE) | 5.8239% | 4,120 |
| Retained earnings to average equity (ytd only) | 5.8239% | 2,638 |
| Net charge-offs to loans | 1.4327% | 225 |
| Credit loss provision to net charge-offs | 12.9199% | 2,586 |
| Earnings coverage of net charge-offs (x) | 0.8992% | 3,238 |
| Efficiency ratio | 80.0573% | 2,201 |
| Assets per employee ($millions) | 5.6613% | 1,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4009% | 3,597 |
| Loan loss allowance to noncurrent loans | 61.3572% | 4,794 |
| Noncurrent assets plus other real estate owned to assets | 1.5991% | 2,201 |
| Noncurrent loans to loans | 2.2832% | 1,569 |
| Net loans and leases to total assets | 55.2142% | 4,253 |
| Net loans and leases to deposits | 63.4721% | 4,376 |
| Net loans and leases to core deposits | 69.9517% | 4,101 |
| Total domestic deposits to total assets | 86.9896% | 2,819 |
| Equity capital to assets | 10.7458% | 2,990 |
| Core capital (leverage) ratio | 10.9422% | 2,445 |
| Tier 1 risk-based capital ratio | 19.6287% | 1,806 |
| Total risk-based capital ratio | 20.8813% | 1,779 |
| Memoranda: |
| Average total assets | $191,458,500 | 3,148 |
| Average earning assets | $172,188,000 | 3,192 |
| Average equity | $20,467,500 | 3,121 |
| Average total loans | $108,047,500 | 3,300 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5844% | 5,447 |
| Cost of funding earning assets | 0.5739% | 2,893 |
| Net interest margin | 3.0105% | 5,556 |
| Noninterest income to average assets | -1.6349% | 6,810 |
| Noninterest expense to average assets | 3.1480% | 2,597 |
| Loan and lease loss provision to assets | 1.8402% | 58 |
| Net operating income to assets | -3.9825% | 6,785 |
| Return on assets (ROA) | -3.9825% | 6,784 |
| Pretax return on assets | -3.9825% | 6,784 |
| Return on Equity (ROE) | -41.1995% | 6,762 |
| Retained earnings to average equity (ytd only) | -41.1995% | 6,759 |
| Net charge-offs to loans | 3.7063% | 45 |
| Credit loss provision to net charge-offs | 90.5149% | 2,740 |
| Earnings coverage of net charge-offs (x) | -1.0537% | 5,266 |
| Efficiency ratio | 312.9980% | 10 |
| Assets per employee ($millions) | 5.6009% | 1,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7054% | 2,386 |
| Loan loss allowance to noncurrent loans | 31.8284% | 5,897 |
| Noncurrent assets plus other real estate owned to assets | 5.4408% | 401 |
| Noncurrent loans to loans | 5.3580% | 433 |
| Net loans and leases to total assets | 55.9039% | 4,333 |
| Net loans and leases to deposits | 64.1868% | 4,489 |
| Net loans and leases to core deposits | 70.9978% | 4,188 |
| Total domestic deposits to total assets | 87.0957% | 2,672 |
| Equity capital to assets | 10.6342% | 2,997 |
| Core capital (leverage) ratio | 10.6719% | 2,700 |
| Tier 1 risk-based capital ratio | 18.3614% | 2,128 |
| Total risk-based capital ratio | 19.6171% | 2,084 |
| Memoranda: |
| Average total assets | $199,650,200 | 3,034 |
| Average earning assets | $175,122,200 | 3,146 |
| Average equity | $19,298,800 | 3,246 |
| Average total loans | $109,517,600 | 3,254 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5521% | 5,572 |
| Cost of funding earning assets | 0.6114% | 2,723 |
| Net interest margin | 2.9407% | 5,712 |
| Noninterest income to average assets | 0.5896% | 3,224 |
| Noninterest expense to average assets | 3.0329% | 2,877 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1287% | 6,080 |
| Return on assets (ROA) | 0.1287% | 6,148 |
| Pretax return on assets | 0.1287% | 6,177 |
| Return on Equity (ROE) | 1.3640% | 6,107 |
| Retained earnings to average equity (ytd only) | 1.3640% | 5,438 |
| Net charge-offs to loans | 0.1615% | 2,942 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 1.4661% | 4,349 |
| Efficiency ratio | 95.9282% | 629 |
| Assets per employee ($millions) | 5.4065% | 1,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9527% | 1,843 |
| Loan loss allowance to noncurrent loans | 19.8486% | 6,251 |
| Noncurrent assets plus other real estate owned to assets | 10.1354% | 134 |
| Noncurrent loans to loans | 9.8380% | 143 |
| Net loans and leases to total assets | 54.1236% | 4,594 |
| Net loans and leases to deposits | 61.5368% | 4,811 |
| Net loans and leases to core deposits | 67.8595% | 4,539 |
| Total domestic deposits to total assets | 87.9533% | 2,160 |
| Equity capital to assets | 9.7717% | 4,219 |
| Core capital (leverage) ratio | 9.8075% | 3,945 |
| Tier 1 risk-based capital ratio | 16.6410% | 2,884 |
| Total risk-based capital ratio | 17.8985% | 2,839 |
| Memoranda: |
| Average total assets | $201,954,750 | 3,036 |
| Average earning assets | $176,643,250 | 3,149 |
| Average equity | $19,060,750 | 3,306 |
| Average total loans | $109,820,500 | 3,273 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5432% | 5,601 |
| Cost of funding earning assets | 0.6301% | 2,680 |
| Net interest margin | 2.9131% | 5,774 |
| Noninterest income to average assets | 0.6732% | 2,777 |
| Noninterest expense to average assets | 2.9629% | 3,112 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2662% | 5,727 |
| Return on assets (ROA) | 0.2662% | 5,861 |
| Pretax return on assets | 0.2662% | 5,961 |
| Return on Equity (ROE) | 2.8519% | 5,679 |
| Retained earnings to average equity (ytd only) | 2.8519% | 4,496 |
| Net charge-offs to loans | 0.3020% | 1,978 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 1.6287% | 3,981 |
| Efficiency ratio | 91.7576% | 909 |
| Assets per employee ($millions) | 5.4138% | 1,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9307% | 2,018 |
| Loan loss allowance to noncurrent loans | 18.3581% | 6,337 |
| Noncurrent assets plus other real estate owned to assets | 10.1578% | 143 |
| Noncurrent loans to loans | 10.5169% | 141 |
| Net loans and leases to total assets | 52.3389% | 4,812 |
| Net loans and leases to deposits | 59.3450% | 5,036 |
| Net loans and leases to core deposits | 65.2335% | 4,771 |
| Total domestic deposits to total assets | 88.1943% | 2,111 |
| Equity capital to assets | 9.6565% | 4,376 |
| Core capital (leverage) ratio | 9.6501% | 4,010 |
| Tier 1 risk-based capital ratio | 16.7317% | 2,824 |
| Total risk-based capital ratio | 17.9893% | 2,792 |
| Memoranda: |
| Average total assets | $204,395,000 | 3,012 |
| Average earning assets | $179,329,670 | 3,123 |
| Average equity | $19,074,670 | 3,323 |
| Average total loans | $110,613,670 | 3,258 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6634% | 5,272 |
| Cost of funding earning assets | 0.6623% | 2,548 |
| Net interest margin | 3.0011% | 5,568 |
| Noninterest income to average assets | 0.6375% | 2,946 |
| Noninterest expense to average assets | 2.9530% | 3,149 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3275% | 5,455 |
| Return on assets (ROA) | 0.3275% | 5,590 |
| Pretax return on assets | 0.3275% | 5,787 |
| Return on Equity (ROE) | 3.5691% | 5,304 |
| Retained earnings to average equity (ytd only) | 3.5691% | 4,095 |
| Net charge-offs to loans | 0.1600% | 2,446 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 3.7556% | 2,684 |
| Efficiency ratio | 90.0177% | 1,145 |
| Assets per employee ($millions) | 5.5530% | 1,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9823% | 2,095 |
| Loan loss allowance to noncurrent loans | 21.2007% | 6,317 |
| Noncurrent assets plus other real estate owned to assets | 8.8407% | 265 |
| Noncurrent loans to loans | 9.3501% | 244 |
| Net loans and leases to total assets | 52.6093% | 4,611 |
| Net loans and leases to deposits | 59.4102% | 4,861 |
| Net loans and leases to core deposits | 64.8844% | 4,660 |
| Total domestic deposits to total assets | 88.5525% | 1,973 |
| Equity capital to assets | 9.2933% | 5,141 |
| Core capital (leverage) ratio | 9.1652% | 4,618 |
| Tier 1 risk-based capital ratio | 15.8937% | 3,325 |
| Total risk-based capital ratio | 17.1520% | 3,286 |
| Memoranda: |
| Average total assets | $206,437,500 | 3,021 |
| Average earning assets | $181,797,500 | 3,120 |
| Average equity | $18,940,500 | 3,385 |
| Average total loans | $112,468,500 | 3,243 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7304% | 5,993 |
| Cost of funding earning assets | 0.9288% | 1,764 |
| Net interest margin | 2.8016% | 6,382 |
| Noninterest income to average assets | 0.1509% | 6,285 |
| Noninterest expense to average assets | 3.0578% | 3,060 |
| Loan and lease loss provision to assets | 0.6861% | 763 |
| Net operating income to assets | -1.1005% | 6,771 |
| Return on assets (ROA) | -0.9448% | 6,743 |
| Pretax return on assets | -0.9448% | 6,719 |
| Return on Equity (ROE) | -10.2897% | 6,728 |
| Retained earnings to average equity (ytd only) | -10.2897% | 6,648 |
| Net charge-offs to loans | 2.1433% | 324 |
| Credit loss provision to net charge-offs | 55.9102% | 4,550 |
| Earnings coverage of net charge-offs (x) | -0.3377% | 5,629 |
| Efficiency ratio | 115.6759% | 253 |
| Assets per employee ($millions) | 5.1854% | 2,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9466% | 2,160 |
| Loan loss allowance to noncurrent loans | 20.1063% | 6,387 |
| Noncurrent assets plus other real estate owned to assets | 9.0003% | 269 |
| Noncurrent loans to loans | 9.6817% | 251 |
| Net loans and leases to total assets | 54.2044% | 4,593 |
| Net loans and leases to deposits | 61.0130% | 4,911 |
| Net loans and leases to core deposits | 66.8510% | 4,650 |
| Total domestic deposits to total assets | 88.8407% | 1,678 |
| Equity capital to assets | 9.0577% | 5,457 |
| Core capital (leverage) ratio | 8.8398% | 5,115 |
| Tier 1 risk-based capital ratio | 15.1978% | 3,611 |
| Total risk-based capital ratio | 16.4558% | 3,552 |
| Memoranda: |
| Average total assets | $206,815,400 | 2,964 |
| Average earning assets | $183,999,400 | 3,040 |
| Average equity | $18,989,800 | 3,336 |
| Average total loans | $118,415,600 | 3,114 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8022% | 6,023 |
| Cost of funding earning assets | 0.9799% | 1,680 |
| Net interest margin | 2.8223% | 6,469 |
| Noninterest income to average assets | 0.3142% | 5,270 |
| Noninterest expense to average assets | 3.0296% | 3,130 |
| Loan and lease loss provision to assets | 0.2761% | 2,369 |
| Net operating income to assets | -0.4774% | 6,691 |
| Return on assets (ROA) | -0.2697% | 6,615 |
| Pretax return on assets | -0.2697% | 6,584 |
| Return on Equity (ROE) | -2.9270% | 6,621 |
| Retained earnings to average equity (ytd only) | -2.9270% | 6,477 |
| Net charge-offs to loans | 1.1852% | 837 |
| Credit loss provision to net charge-offs | 40.3393% | 4,612 |
| Earnings coverage of net charge-offs (x) | -0.2941% | 5,443 |
| Efficiency ratio | 107.1168% | 359 |
| Assets per employee ($millions) | 4.9973% | 2,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3317% | 1,462 |
| Loan loss allowance to noncurrent loans | 17.9205% | 6,540 |
| Noncurrent assets plus other real estate owned to assets | 9.5394% | 265 |
| Noncurrent loans to loans | 13.0112% | 136 |
| Net loans and leases to total assets | 54.2437% | 4,717 |
| Net loans and leases to deposits | 61.2431% | 5,053 |
| Net loans and leases to core deposits | 67.0722% | 4,831 |
| Total domestic deposits to total assets | 88.5710% | 1,680 |
| Equity capital to assets | 9.2278% | 5,563 |
| Core capital (leverage) ratio | 9.1278% | 4,869 |
| Tier 1 risk-based capital ratio | 15.8815% | 3,334 |
| Total risk-based capital ratio | 17.1444% | 3,295 |
| Memoranda: |
| Average total assets | $206,665,500 | 3,000 |
| Average earning assets | $184,100,750 | 3,065 |
| Average equity | $19,040,500 | 3,354 |
| Average total loans | $119,354,500 | 3,126 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9228% | 5,857 |
| Cost of funding earning assets | 1.0278% | 1,596 |
| Net interest margin | 2.8951% | 6,436 |
| Noninterest income to average assets | 0.2967% | 5,432 |
| Noninterest expense to average assets | 3.0128% | 3,215 |
| Loan and lease loss provision to assets | 0.1926% | 3,165 |
| Net operating income to assets | -0.3356% | 6,642 |
| Return on assets (ROA) | -0.0856% | 6,530 |
| Pretax return on assets | -0.0856% | 6,513 |
| Return on Equity (ROE) | -0.9297% | 6,536 |
| Retained earnings to average equity (ytd only) | -0.9297% | 6,198 |
| Net charge-offs to loans | 1.1523% | 939 |
| Credit loss provision to net charge-offs | 28.5714% | 4,461 |
| Earnings coverage of net charge-offs (x) | -0.2121% | 5,164 |
| Efficiency ratio | 104.9831% | 416 |
| Assets per employee ($millions) | 5.0744% | 2,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3941% | 1,425 |
| Loan loss allowance to noncurrent loans | 23.1931% | 6,431 |
| Noncurrent assets plus other real estate owned to assets | 8.1206% | 420 |
| Noncurrent loans to loans | 10.3227% | 249 |
| Net loans and leases to total assets | 54.6325% | 4,687 |
| Net loans and leases to deposits | 61.4832% | 5,070 |
| Net loans and leases to core deposits | 67.3451% | 4,862 |
| Total domestic deposits to total assets | 88.8577% | 1,600 |
| Equity capital to assets | 9.0703% | 5,621 |
| Core capital (leverage) ratio | 9.2322% | 4,553 |
| Tier 1 risk-based capital ratio | 15.7088% | 3,324 |
| Total risk-based capital ratio | 16.9728% | 3,285 |
| Memoranda: |
| Average total assets | $205,591,330 | 3,026 |
| Average earning assets | $182,724,670 | 3,089 |
| Average equity | $18,931,330 | 3,363 |
| Average total loans | $120,283,000 | 3,128 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0265% | 5,683 |
| Cost of funding earning assets | 1.1026% | 1,399 |
| Net interest margin | 2.9238% | 6,451 |
| Noninterest income to average assets | 0.3112% | 5,393 |
| Noninterest expense to average assets | 3.0581% | 3,059 |
| Loan and lease loss provision to assets | 0.3924% | 1,611 |
| Net operating income to assets | -0.5589% | 6,861 |
| Return on assets (ROA) | -0.2814% | 6,735 |
| Pretax return on assets | -0.2814% | 6,719 |
| Return on Equity (ROE) | -3.0323% | 6,757 |
| Retained earnings to average equity (ytd only) | -3.0323% | 6,400 |
| Net charge-offs to loans | 0.1623% | 3,115 |
| Credit loss provision to net charge-offs | 404.0816% | 779 |
| Earnings coverage of net charge-offs (x) | -1.7143% | 4,601 |
| Efficiency ratio | 105.7574% | 413 |
| Assets per employee ($millions) | 5.0688% | 2,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9038% | 909 |
| Loan loss allowance to noncurrent loans | 26.9646% | 6,302 |
| Noncurrent assets plus other real estate owned to assets | 9.1876% | 375 |
| Noncurrent loans to loans | 10.7691% | 261 |
| Net loans and leases to total assets | 57.7210% | 4,081 |
| Net loans and leases to deposits | 65.1796% | 4,466 |
| Net loans and leases to core deposits | 71.1736% | 4,266 |
| Total domestic deposits to total assets | 88.5569% | 1,980 |
| Equity capital to assets | 9.2443% | 5,171 |
| Core capital (leverage) ratio | 9.2724% | 4,408 |
| Tier 1 risk-based capital ratio | 14.9156% | 3,813 |
| Total risk-based capital ratio | 16.1856% | 3,760 |
| Memoranda: |
| Average total assets | $201,825,000 | 3,086 |
| Average earning assets | $178,121,500 | 3,171 |
| Average equity | $18,731,500 | 3,389 |
| Average total loans | $120,779,000 | 3,139 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3158% | 5,715 |
| Cost of funding earning assets | 1.3069% | 1,452 |
| Net interest margin | 3.0090% | 6,517 |
| Noninterest income to average assets | -0.1683% | 7,146 |
| Noninterest expense to average assets | 2.9786% | 3,673 |
| Loan and lease loss provision to assets | 0.4527% | 2,337 |
| Net operating income to assets | -0.9869% | 6,736 |
| Return on assets (ROA) | -0.7442% | 6,663 |
| Pretax return on assets | -0.7442% | 6,620 |
| Return on Equity (ROE) | -6.8722% | 6,624 |
| Retained earnings to average equity (ytd only) | -6.8722% | 6,563 |
| Net charge-offs to loans | 1.9157% | 746 |
| Credit loss provision to net charge-offs | 39.2036% | 5,641 |
| Earnings coverage of net charge-offs (x) | -0.4626% | 6,065 |
| Efficiency ratio | 121.8538% | 295 |
| Assets per employee ($millions) | 5.0225% | 2,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7688% | 1,011 |
| Loan loss allowance to noncurrent loans | 24.3638% | 6,458 |
| Noncurrent assets plus other real estate owned to assets | 9.9438% | 337 |
| Noncurrent loans to loans | 11.3643% | 250 |
| Net loans and leases to total assets | 58.5752% | 4,269 |
| Net loans and leases to deposits | 66.2342% | 4,700 |
| Net loans and leases to core deposits | 72.2335% | 4,492 |
| Total domestic deposits to total assets | 88.4365% | 1,887 |
| Equity capital to assets | 9.3181% | 5,124 |
| Core capital (leverage) ratio | 9.0444% | 4,700 |
| Tier 1 risk-based capital ratio | 14.7824% | 3,773 |
| Total risk-based capital ratio | 16.0508% | 3,741 |
| Memoranda: |
| Average total assets | $210,972,200 | 2,933 |
| Average earning assets | $183,185,600 | 3,050 |
| Average equity | $22,845,600 | 2,799 |
| Average total loans | $127,159,400 | 3,035 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2994% | 5,955 |
| Cost of funding earning assets | 1.3446% | 1,480 |
| Net interest margin | 2.9548% | 6,661 |
| Noninterest income to average assets | -0.0718% | 7,193 |
| Noninterest expense to average assets | 2.7023% | 4,717 |
| Loan and lease loss provision to assets | 0.5964% | 1,655 |
| Net operating income to assets | -0.5811% | 6,686 |
| Return on assets (ROA) | -0.4166% | 6,646 |
| Pretax return on assets | -0.5889% | 6,672 |
| Return on Equity (ROE) | -3.7245% | 6,611 |
| Retained earnings to average equity (ytd only) | -3.7245% | 6,490 |
| Net charge-offs to loans | 1.4059% | 1,059 |
| Credit loss provision to net charge-offs | 70.3758% | 4,474 |
| Earnings coverage of net charge-offs (x) | -0.2646% | 5,750 |
| Efficiency ratio | 109.0474% | 448 |
| Assets per employee ($millions) | 5.1506% | 1,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5385% | 548 |
| Loan loss allowance to noncurrent loans | 28.6787% | 6,331 |
| Noncurrent assets plus other real estate owned to assets | 10.3990% | 338 |
| Noncurrent loans to loans | 12.3383% | 221 |
| Net loans and leases to total assets | 57.1876% | 4,647 |
| Net loans and leases to deposits | 66.0050% | 4,906 |
| Net loans and leases to core deposits | 71.9882% | 4,716 |
| Total domestic deposits to total assets | 86.6414% | 2,863 |
| Equity capital to assets | 11.3238% | 2,837 |
| Core capital (leverage) ratio | 9.1921% | 4,639 |
| Tier 1 risk-based capital ratio | 14.0746% | 4,301 |
| Total risk-based capital ratio | 15.3510% | 4,253 |
| Memoranda: |
| Average total assets | $213,490,500 | 2,916 |
| Average earning assets | $184,238,000 | 3,046 |
| Average equity | $23,877,000 | 2,686 |
| Average total loans | $128,692,250 | 3,034 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3277% | 5,921 |
| Cost of funding earning assets | 1.3865% | 1,475 |
| Net interest margin | 2.9412% | 6,712 |
| Noninterest income to average assets | -0.2091% | 7,343 |
| Noninterest expense to average assets | 2.8283% | 4,319 |
| Loan and lease loss provision to assets | 0.7598% | 1,227 |
| Net operating income to assets | -0.8857% | 6,904 |
| Return on assets (ROA) | -0.6721% | 6,808 |
| Pretax return on assets | -0.9614% | 6,889 |
| Return on Equity (ROE) | -6.0339% | 6,780 |
| Retained earnings to average equity (ytd only) | -6.0339% | 6,656 |
| Net charge-offs to loans | 1.3291% | 1,150 |
| Credit loss provision to net charge-offs | 94.3221% | 3,333 |
| Earnings coverage of net charge-offs (x) | -0.6292% | 5,561 |
| Efficiency ratio | 121.8335% | 326 |
| Assets per employee ($millions) | 4.5858% | 2,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6714% | 522 |
| Loan loss allowance to noncurrent loans | 28.8567% | 6,331 |
| Noncurrent assets plus other real estate owned to assets | 11.0781% | 306 |
| Noncurrent loans to loans | 12.7227% | 216 |
| Net loans and leases to total assets | 59.4914% | 4,378 |
| Net loans and leases to deposits | 68.6311% | 4,611 |
| Net loans and leases to core deposits | 75.0686% | 4,424 |
| Total domestic deposits to total assets | 86.6830% | 2,937 |
| Equity capital to assets | 11.2412% | 2,730 |
| Core capital (leverage) ratio | 9.0845% | 4,598 |
| Tier 1 risk-based capital ratio | 13.4842% | 4,538 |
| Total risk-based capital ratio | 14.7622% | 4,499 |
| Memoranda: |
| Average total assets | $214,262,330 | 2,922 |
| Average earning assets | $184,346,330 | 3,067 |
| Average equity | $23,865,000 | 2,669 |
| Average total loans | $129,857,670 | 3,041 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3642% | 5,809 |
| Cost of funding earning assets | 1.4325% | 1,459 |
| Net interest margin | 2.9317% | 6,699 |
| Noninterest income to average assets | 0.3946% | 4,745 |
| Noninterest expense to average assets | 2.8362% | 4,310 |
| Loan and lease loss provision to assets | 1.5080% | 424 |
| Net operating income to assets | -0.8640% | 6,991 |
| Return on assets (ROA) | -0.4798% | 6,802 |
| Pretax return on assets | -0.8281% | 6,935 |
| Return on Equity (ROE) | -4.3273% | 6,770 |
| Retained earnings to average equity (ytd only) | -4.3273% | 6,460 |
| Net charge-offs to loans | 1.2526% | 1,107 |
| Credit loss provision to net charge-offs | 200.4926% | 1,477 |
| Earnings coverage of net charge-offs (x) | 0.1059% | 4,518 |
| Efficiency ratio | 97.2681% | 864 |
| Assets per employee ($millions) | 4.7385% | 2,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.1471% | 382 |
| Loan loss allowance to noncurrent loans | 38.7803% | 5,714 |
| Noncurrent assets plus other real estate owned to assets | 10.2663% | 391 |
| Noncurrent loans to loans | 10.6939% | 352 |
| Net loans and leases to total assets | 56.7982% | 4,849 |
| Net loans and leases to deposits | 65.4674% | 5,050 |
| Net loans and leases to core deposits | 71.6139% | 4,839 |
| Total domestic deposits to total assets | 86.7581% | 3,085 |
| Equity capital to assets | 11.1414% | 2,544 |
| Core capital (leverage) ratio | 9.2810% | 4,149 |
| Tier 1 risk-based capital ratio | 13.6610% | 4,319 |
| Total risk-based capital ratio | 14.9420% | 4,265 |
| Memoranda: |
| Average total assets | $215,919,500 | 2,924 |
| Average earning assets | $185,692,500 | 3,073 |
| Average equity | $23,941,000 | 2,645 |
| Average total loans | $129,647,000 | 3,071 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5996% | 6,117 |
| Cost of funding earning assets | 1.7700% | 1,302 |
| Net interest margin | 2.8296% | 6,997 |
| Noninterest income to average assets | 0.2492% | 6,019 |
| Noninterest expense to average assets | 2.9030% | 4,211 |
| Loan and lease loss provision to assets | 5.3442% | 63 |
| Net operating income to assets | -3.6305% | 7,388 |
| Return on assets (ROA) | -3.6245% | 7,406 |
| Pretax return on assets | -5.4899% | 7,560 |
| Return on Equity (ROE) | -29.2875% | 7,216 |
| Retained earnings to average equity (ytd only) | -29.2875% | 7,204 |
| Net charge-offs to loans | 6.5403% | 75 |
| Credit loss provision to net charge-offs | 123.5794% | 3,349 |
| Earnings coverage of net charge-offs (x) | -0.0358% | 6,160 |
| Efficiency ratio | 105.6325% | 631 |
| Assets per employee ($millions) | 4.7523% | 2,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6347% | 536 |
| Loan loss allowance to noncurrent loans | 25.1877% | 6,590 |
| Noncurrent assets plus other real estate owned to assets | 11.6945% | 298 |
| Noncurrent loans to loans | 14.4304% | 182 |
| Net loans and leases to total assets | 58.6029% | 4,938 |
| Net loans and leases to deposits | 67.4501% | 5,176 |
| Net loans and leases to core deposits | 74.9571% | 4,854 |
| Total domestic deposits to total assets | 86.8833% | 2,890 |
| Equity capital to assets | 11.0358% | 2,654 |
| Core capital (leverage) ratio | 9.3181% | 3,980 |
| Tier 1 risk-based capital ratio | 13.2981% | 4,376 |
| Total risk-based capital ratio | 14.5738% | 4,318 |
| Memoranda: |
| Average total assets | $228,694,600 | 2,772 |
| Average earning assets | $201,972,400 | 2,852 |
| Average equity | $28,302,200 | 2,298 |
| Average total loans | $151,216,800 | 2,750 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6597% | 6,152 |
| Cost of funding earning assets | 1.7889% | 1,463 |
| Net interest margin | 2.8708% | 7,050 |
| Noninterest income to average assets | 0.3281% | 5,532 |
| Noninterest expense to average assets | 2.6249% | 5,222 |
| Loan and lease loss provision to assets | 5.9631% | 52 |
| Net operating income to assets | -3.5826% | 7,530 |
| Return on assets (ROA) | -3.5764% | 7,542 |
| Pretax return on assets | -5.7025% | 7,680 |
| Return on Equity (ROE) | -28.1776% | 7,360 |
| Retained earnings to average equity (ytd only) | -28.1776% | 7,351 |
| Net charge-offs to loans | 6.1947% | 89 |
| Credit loss provision to net charge-offs | 142.8710% | 2,753 |
| Earnings coverage of net charge-offs (x) | 0.0601% | 5,969 |
| Efficiency ratio | 91.2773% | 1,189 |
| Assets per employee ($millions) | 4.2253% | 3,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.1026% | 336 |
| Loan loss allowance to noncurrent loans | 40.5838% | 5,583 |
| Noncurrent assets plus other real estate owned to assets | 9.5660% | 441 |
| Noncurrent loans to loans | 10.1090% | 411 |
| Net loans and leases to total assets | 58.4835% | 5,186 |
| Net loans and leases to deposits | 67.9404% | 5,427 |
| Net loans and leases to core deposits | 75.6852% | 5,094 |
| Total domestic deposits to total assets | 86.0806% | 3,030 |
| Equity capital to assets | 11.8518% | 2,249 |
| Core capital (leverage) ratio | 12.0793% | 1,627 |
| Tier 1 risk-based capital ratio | 16.4872% | 2,559 |
| Total risk-based capital ratio | 17.7660% | 2,507 |
| Memoranda: |
| Average total assets | $231,216,500 | 2,768 |
| Average earning assets | $205,188,750 | 2,850 |
| Average equity | $29,346,500 | 2,249 |
| Average total loans | $155,785,500 | 2,714 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9475% | 5,190 |
| Cost of funding earning assets | 1.8274% | 1,536 |
| Net interest margin | 3.1201% | 6,549 |
| Noninterest income to average assets | 0.3227% | 5,573 |
| Noninterest expense to average assets | 2.5013% | 5,715 |
| Loan and lease loss provision to assets | 7.5466% | 32 |
| Net operating income to assets | -4.2614% | 7,647 |
| Return on assets (ROA) | -4.2587% | 7,649 |
| Pretax return on assets | -6.9234% | 7,758 |
| Return on Equity (ROE) | -32.8582% | 7,469 |
| Retained earnings to average equity (ytd only) | -32.8582% | 7,460 |
| Net charge-offs to loans | 8.5221% | 49 |
| Credit loss provision to net charge-offs | 127.5648% | 3,153 |
| Earnings coverage of net charge-offs (x) | 0.1046% | 5,621 |
| Efficiency ratio | 80.1646% | 2,425 |
| Assets per employee ($millions) | 4.6839% | 2,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9129% | 904 |
| Loan loss allowance to noncurrent loans | 16.8091% | 7,078 |
| Noncurrent assets plus other real estate owned to assets | 12.5314% | 244 |
| Noncurrent loans to loans | 17.3293% | 126 |
| Net loans and leases to total assets | 63.9701% | 4,272 |
| Net loans and leases to deposits | 74.4235% | 4,609 |
| Net loans and leases to core deposits | 84.7201% | 4,035 |
| Total domestic deposits to total assets | 85.9541% | 3,119 |
| Equity capital to assets | 12.0582% | 2,065 |
| Core capital (leverage) ratio | 11.8525% | 1,731 |
| Tier 1 risk-based capital ratio | 16.0672% | 2,640 |
| Total risk-based capital ratio | 17.3343% | 2,594 |
| Memoranda: |
| Average total assets | $233,642,000 | 2,763 |
| Average earning assets | $209,478,330 | 2,819 |
| Average equity | $30,281,670 | 2,177 |
| Average total loans | $162,190,330 | 2,661 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1370% | 4,360 |
| Cost of funding earning assets | 1.8222% | 1,788 |
| Net interest margin | 3.3148% | 5,912 |
| Noninterest income to average assets | 0.3038% | 5,722 |
| Noninterest expense to average assets | 1.7649% | 7,504 |
| Loan and lease loss provision to assets | 6.0516% | 112 |
| Net operating income to assets | -2.9754% | 7,637 |
| Return on assets (ROA) | -2.9698% | 7,631 |
| Pretax return on assets | -4.5005% | 7,723 |
| Return on Equity (ROE) | -22.1624% | 7,469 |
| Retained earnings to average equity (ytd only) | -22.1624% | 7,417 |
| Net charge-offs to loans | 4.8141% | 256 |
| Credit loss provision to net charge-offs | 176.7096% | 2,064 |
| Earnings coverage of net charge-offs (x) | 0.4504% | 4,620 |
| Efficiency ratio | 53.3607% | 7,035 |
| Assets per employee ($millions) | 4.9542% | 2,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4773% | 1,329 |
| Loan loss allowance to noncurrent loans | 31.6473% | 6,308 |
| Noncurrent assets plus other real estate owned to assets | 5.7025% | 1,072 |
| Noncurrent loans to loans | 7.8278% | 702 |
| Net loans and leases to total assets | 65.6452% | 3,946 |
| Net loans and leases to deposits | 76.8111% | 4,256 |
| Net loans and leases to core deposits | 89.1847% | 3,473 |
| Total domestic deposits to total assets | 85.4631% | 3,431 |
| Equity capital to assets | 12.6448% | 1,683 |
| Core capital (leverage) ratio | 13.3645% | 1,113 |
| Tier 1 risk-based capital ratio | 16.9229% | 2,287 |
| Total risk-based capital ratio | 18.1826% | 2,237 |
| Memoranda: |
| Average total assets | $235,707,000 | 2,807 |
| Average earning assets | $213,586,500 | 2,821 |
| Average equity | $31,585,000 | 2,106 |
| Average total loans | $167,673,500 | 2,647 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5223% | 4,027 |
| Cost of funding earning assets | 2.2677% | 1,780 |
| Net interest margin | 3.2546% | 5,911 |
| Noninterest income to average assets | 0.5007% | 4,406 |
| Noninterest expense to average assets | 2.5424% | 5,978 |
| Loan and lease loss provision to assets | 1.7650% | 1,292 |
| Net operating income to assets | -0.3910% | 6,068 |
| Return on assets (ROA) | -0.3876% | 6,052 |
| Pretax return on assets | -0.8320% | 6,293 |
| Return on Equity (ROE) | -2.6976% | 5,947 |
| Retained earnings to average equity (ytd only) | -6.4773% | 6,194 |
| Net charge-offs to loans | 2.1169% | 1,148 |
| Credit loss provision to net charge-offs | 110.8844% | 4,960 |
| Earnings coverage of net charge-offs (x) | 0.5829% | 5,519 |
| Efficiency ratio | 73.2651% | 4,044 |
| Assets per employee ($millions) | 4.6665% | 2,664 |
| Cash dividends to net income (ytd only)* | -140.1117% | 7,919 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4540% | 3,952 |
| Loan loss allowance to noncurrent loans | 27.1887% | 6,665 |
| Noncurrent assets plus other real estate owned to assets | 4.3519% | 1,498 |
| Noncurrent loans to loans | 5.3477% | 1,224 |
| Net loans and leases to total assets | 74.1025% | 2,251 |
| Net loans and leases to deposits | 88.6022% | 2,456 |
| Net loans and leases to core deposits | 117.2723% | 2,201 |
| Total domestic deposits to total assets | 83.6350% | 4,211 |
| Equity capital to assets | 14.2019% | 1,104 |
| Core capital (leverage) ratio | 14.1965% | 948 |
| Tier 1 risk-based capital ratio | 18.2451% | 1,830 |
| Total risk-based capital ratio | 19.4974% | 1,782 |
| Memoranda: |
| Average total assets | $230,881,600 | 2,812 |
| Average earning assets | $210,653,400 | 2,832 |
| Average equity | $33,177,600 | 2,021 |
| Average total loans | $173,599,800 | 2,589 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5226% | 4,308 |
| Cost of funding earning assets | 2.3478% | 1,816 |
| Net interest margin | 3.1748% | 6,102 |
| Noninterest income to average assets | 0.5461% | 4,111 |
| Noninterest expense to average assets | 2.2525% | 6,831 |
| Loan and lease loss provision to assets | 0.5813% | 3,065 |
| Net operating income to assets | 0.4284% | 4,284 |
| Return on assets (ROA) | 0.4321% | 4,372 |
| Pretax return on assets | 0.6193% | 4,130 |
| Return on Equity (ROE) | 2.9981% | 4,795 |
| Retained earnings to average equity (ytd only) | -0.7475% | 5,420 |
| Net charge-offs to loans | 0.4858% | 3,284 |
| Credit loss provision to net charge-offs | 159.1483% | 2,983 |
| Earnings coverage of net charge-offs (x) | 3.2729% | 3,602 |
| Efficiency ratio | 65.3300% | 5,491 |
| Assets per employee ($millions) | 4.9984% | 2,146 |
| Cash dividends to net income (ytd only)* | 124.9325% | 383 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4413% | 3,730 |
| Loan loss allowance to noncurrent loans | 19.4514% | 7,120 |
| Noncurrent assets plus other real estate owned to assets | 6.0885% | 872 |
| Noncurrent loans to loans | 7.4100% | 699 |
| Net loans and leases to total assets | 73.6066% | 2,642 |
| Net loans and leases to deposits | 88.9781% | 2,784 |
| Net loans and leases to core deposits | 119.0657% | 2,330 |
| Total domestic deposits to total assets | 82.7244% | 4,350 |
| Equity capital to assets | 14.5317% | 1,135 |
| Core capital (leverage) ratio | 15.1666% | 825 |
| Tier 1 risk-based capital ratio | 19.5061% | 1,645 |
| Total risk-based capital ratio | 20.7585% | 1,605 |
| Memoranda: |
| Average total assets | $231,437,250 | 2,826 |
| Average earning assets | $211,536,000 | 2,832 |
| Average equity | $33,353,500 | 2,038 |
| Average total loans | $174,014,250 | 2,615 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6363% | 3,881 |
| Cost of funding earning assets | 2.3860% | 2,022 |
| Net interest margin | 3.2503% | 5,735 |
| Noninterest income to average assets | 0.3182% | 5,959 |
| Noninterest expense to average assets | 2.2273% | 6,982 |
| Loan and lease loss provision to assets | 0.6114% | 2,606 |
| Net operating income to assets | 0.3290% | 4,765 |
| Return on assets (ROA) | 0.3346% | 4,853 |
| Pretax return on assets | 0.4639% | 4,737 |
| Return on Equity (ROE) | 2.3280% | 5,168 |
| Retained earnings to average equity (ytd only) | -1.4760% | 5,606 |
| Net charge-offs to loans | 0.0915% | 5,269 |
| Credit loss provision to net charge-offs | 886.2500% | 542 |
| Earnings coverage of net charge-offs (x) | 15.4750% | 1,597 |
| Efficiency ratio | 67.6001% | 5,228 |
| Assets per employee ($millions) | 4.6335% | 2,549 |
| Cash dividends to net income (ytd only)* | 163.4021% | 319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5784% | 2,832 |
| Loan loss allowance to noncurrent loans | 23.4712% | 6,938 |
| Noncurrent assets plus other real estate owned to assets | 5.1761% | 1,000 |
| Noncurrent loans to loans | 6.7249% | 761 |
| Net loans and leases to total assets | 74.9487% | 2,450 |
| Net loans and leases to deposits | 90.7706% | 2,702 |
| Net loans and leases to core deposits | 120.7092% | 2,300 |
| Total domestic deposits to total assets | 82.5693% | 4,443 |
| Equity capital to assets | 14.5920% | 1,144 |
| Core capital (leverage) ratio | 14.9388% | 938 |
| Tier 1 risk-based capital ratio | 18.4845% | 1,876 |
| Total risk-based capital ratio | 19.7378% | 1,831 |
| Memoranda: |
| Average total assets | $231,941,330 | 2,837 |
| Average earning assets | $212,409,670 | 2,834 |
| Average equity | $33,334,000 | 2,040 |
| Average total loans | $174,780,670 | 2,642 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5618% | 4,568 |
| Cost of funding earning assets | 2.4156% | 2,229 |
| Net interest margin | 3.1462% | 6,035 |
| Noninterest income to average assets | 0.3191% | 5,898 |
| Noninterest expense to average assets | 2.0922% | 7,133 |
| Loan and lease loss provision to assets | 0.4488% | 2,674 |
| Net operating income to assets | 0.4586% | 4,622 |
| Return on assets (ROA) | 0.4693% | 4,757 |
| Pretax return on assets | 0.6741% | 4,513 |
| Return on Equity (ROE) | 3.2899% | 5,251 |
| Retained earnings to average equity (ytd only) | -0.5623% | 5,778 |
| Net charge-offs to loans | 0.1434% | 3,816 |
| Credit loss provision to net charge-offs | 417.4603% | 1,263 |
| Earnings coverage of net charge-offs (x) | 10.3016% | 1,963 |
| Efficiency ratio | 65.3867% | 5,435 |
| Assets per employee ($millions) | 4.6742% | 2,474 |
| Cash dividends to net income (ytd only)* | 117.0909% | 607 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3128% | 4,005 |
| Loan loss allowance to noncurrent loans | 32.8103% | 6,351 |
| Noncurrent assets plus other real estate owned to assets | 3.1152% | 1,807 |
| Noncurrent loans to loans | 4.0013% | 1,505 |
| Net loans and leases to total assets | 75.4877% | 2,394 |
| Net loans and leases to deposits | 91.5180% | 2,691 |
| Net loans and leases to core deposits | 126.5816% | 1,883 |
| Total domestic deposits to total assets | 82.4840% | 4,379 |
| Equity capital to assets | 14.6470% | 1,197 |
| Core capital (leverage) ratio | 14.9987% | 973 |
| Tier 1 risk-based capital ratio | 18.5174% | 1,929 |
| Total risk-based capital ratio | 19.7679% | 1,888 |
| Memoranda: |
| Average total assets | $234,391,000 | 2,827 |
| Average earning assets | $214,606,500 | 2,831 |
| Average equity | $33,436,000 | 2,029 |
| Average total loans | $175,724,000 | 2,645 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3172% | 3,869 |
| Cost of funding earning assets | 2.5863% | 3,752 |
| Net interest margin | 3.7309% | 4,321 |
| Noninterest income to average assets | 0.2980% | 6,330 |
| Noninterest expense to average assets | 2.0646% | 7,314 |
| Loan and lease loss provision to assets | 0.8866% | 1,685 |
| Net operating income to assets | 0.5479% | 4,537 |
| Return on assets (ROA) | 0.5639% | 4,317 |
| Pretax return on assets | 0.7820% | 4,133 |
| Return on Equity (ROE) | 3.7382% | 4,924 |
| Retained earnings to average equity (ytd only) | -1.3458% | 5,693 |
| Net charge-offs to loans | 0.6370% | 1,935 |
| Credit loss provision to net charge-offs | 195.7854% | 2,506 |
| Earnings coverage of net charge-offs (x) | 3.6360% | 4,276 |
| Efficiency ratio | 55.6335% | 7,067 |
| Assets per employee ($millions) | 4.7009% | 2,324 |
| Cash dividends to net income (ytd only)* | 136.0000% | 552 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1915% | 4,609 |
| Loan loss allowance to noncurrent loans | 33.1283% | 6,512 |
| Noncurrent assets plus other real estate owned to assets | 2.6440% | 1,809 |
| Noncurrent loans to loans | 3.5965% | 1,402 |
| Net loans and leases to total assets | 72.6410% | 3,451 |
| Net loans and leases to deposits | 92.0680% | 3,124 |
| Net loans and leases to core deposits | 125.6269% | 2,193 |
| Total domestic deposits to total assets | 78.8993% | 5,407 |
| Equity capital to assets | 13.9001% | 1,460 |
| Core capital (leverage) ratio | 15.0943% | 1,006 |
| Tier 1 risk-based capital ratio | 18.8250% | 1,851 |
| Total risk-based capital ratio | 19.9529% | 1,820 |
| Memoranda: |
| Average total assets | $230,556,200 | 2,760 |
| Average earning assets | $210,917,000 | 2,763 |
| Average equity | $34,776,000 | 1,948 |
| Average total loans | $163,886,000 | 2,714 |
