Home > Arizona Bank & Trust > Performance and Condition Ratios
Arizona Bank & Trust, Performance and Condition Ratios
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3852% | 2,953 |
| Cost of funding earning assets | 0.1699% | 3,629 |
| Net interest margin | 3.2153% | 2,581 |
| Noninterest income to average assets | 0.7000% | 1,324 |
| Noninterest expense to average assets | 1.7888% | 4,004 |
| Loan and lease loss provision to assets | 0.2500% | 322 |
| Net operating income to assets | 1.2926% | 1,373 |
| Return on assets (ROA) | 1.2741% | 1,410 |
| Pretax return on assets | 1.6376% | 1,035 |
| Return on Equity (ROE) | 16.8400% | 826 |
| Retained earnings to average equity (ytd only) | 12.3300% | 722 |
| Net charge-offs to loans | 0.0518% | 965 |
| Credit loss provision to net charge-offs | 841.3514% | 455 |
| Earnings coverage of net charge-offs (x) | 75.6757% | 1,072 |
| Efficiency ratio | 47.8172% | 4,285 |
| Assets per employee ($millions) | 27.4672% | 56 |
| Cash dividends to net income (ytd only)* | 26.7982% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1459% | 2,812 |
| Loan loss allowance to noncurrent loans | 174.3396% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 0.3273% | 1,629 |
| Noncurrent loans to loans | 0.6573% | 1,240 |
| Net loans and leases to total assets | 49.2300% | 3,514 |
| Net loans and leases to deposits | 53.2874% | 3,646 |
| Net loans and leases to core deposits | 57.1989% | 3,550 |
| Total domestic deposits to total assets | 92.3800% | 753 |
| Equity capital to assets | 5.8076% | 4,029 |
| Core capital (leverage) ratio | 7.9580% | 4,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6038% | 2,618 |
| Memoranda: | ||
| Average total assets | $1,952,508,250 | 566 |
| Average earning assets | $1,824,497,750 | 550 |
| Average equity | $147,689,750 | 692 |
| Average total loans | $952,290,250 | 714 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1557% | 3,172 |
| Cost of funding earning assets | 0.0805% | 4,373 |
| Net interest margin | 3.0752% | 2,625 |
| Noninterest income to average assets | 0.6779% | 1,437 |
| Noninterest expense to average assets | 1.7963% | 3,961 |
| Loan and lease loss provision to assets | 0.2742% | 248 |
| Net operating income to assets | 1.1720% | 1,530 |
| Return on assets (ROA) | 1.1569% | 1,562 |
| Pretax return on assets | 1.4796% | 1,226 |
| Return on Equity (ROE) | 14.1784% | 1,068 |
| Retained earnings to average equity (ytd only) | 7.8747% | 1,666 |
| Net charge-offs to loans | 0.0338% | 1,059 |
| Credit loss provision to net charge-offs | 1,423.8994% | 318 |
| Earnings coverage of net charge-offs (x) | 108.3836% | 782 |
| Efficiency ratio | 49.6599% | 4,268 |
| Assets per employee ($millions) | 27.9390% | 50 |
| Cash dividends to net income (ytd only)* | 44.4603% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1008% | 3,157 |
| Loan loss allowance to noncurrent loans | 189.4484% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 0.2874% | 1,860 |
| Noncurrent loans to loans | 0.5811% | 1,456 |
| Net loans and leases to total assets | 48.9099% | 3,473 |
| Net loans and leases to deposits | 53.7557% | 3,557 |
| Net loans and leases to core deposits | 55.8862% | 3,575 |
| Total domestic deposits to total assets | 90.9856% | 1,251 |
| Equity capital to assets | 6.6083% | 3,971 |
| Core capital (leverage) ratio | 7.7231% | 4,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1422% | 2,775 |
| Memoranda: | ||
| Average total assets | $1,944,131,000 | 561 |
| Average earning assets | $1,827,801,667 | 552 |
| Average equity | $158,635,333 | 664 |
| Average total loans | $941,450,000 | 706 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0677% | 3,059 |
| Cost of funding earning assets | 0.0369% | 4,682 |
| Net interest margin | 3.0307% | 2,403 |
| Noninterest income to average assets | 0.6265% | 1,579 |
| Noninterest expense to average assets | 1.7916% | 3,955 |
| Loan and lease loss provision to assets | 0.0545% | 1,404 |
| Net operating income to assets | 1.2788% | 1,048 |
| Return on assets (ROA) | 1.2803% | 1,038 |
| Pretax return on assets | 1.6445% | 764 |
| Return on Equity (ROE) | 14.3170% | 771 |
| Retained earnings to average equity (ytd only) | 14.3170% | 347 |
| Net charge-offs to loans | -0.0052% | 3,347 |
| Credit loss provision to net charge-offs | -1,416.6667% | 3,318 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0115% | 4,256 |
| Assets per employee ($millions) | 26.8659% | 57 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9218% | 3,985 |
| Loan loss allowance to noncurrent loans | 2,364.2276% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 3,865 |
| Noncurrent loans to loans | 0.0390% | 3,694 |
| Net loans and leases to total assets | 49.1609% | 3,257 |
| Net loans and leases to deposits | 54.1358% | 3,409 |
| Net loans and leases to core deposits | 54.9567% | 3,529 |
| Total domestic deposits to total assets | 90.8103% | 1,133 |
| Equity capital to assets | 8.2934% | 3,327 |
| Core capital (leverage) ratio | 7.8557% | 4,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6976% | 2,717 |
| Memoranda: | ||
| Average total assets | $1,938,331,000 | 564 |
| Average earning assets | $1,830,586,500 | 554 |
| Average equity | $173,332,500 | 626 |
| Average total loans | $928,578,500 | 707 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1589% | 3,564 |
| Cost of funding earning assets | 0.0343% | 4,745 |
| Net interest margin | 3.1247% | 2,824 |
| Noninterest income to average assets | 0.6212% | 2,070 |
| Noninterest expense to average assets | 1.9676% | 3,776 |
| Loan and lease loss provision to assets | 0.0448% | 2,162 |
| Net operating income to assets | 1.2112% | 1,889 |
| Return on assets (ROA) | 1.2303% | 1,868 |
| Pretax return on assets | 1.5658% | 1,522 |
| Return on Equity (ROE) | 12.6154% | 1,600 |
| Retained earnings to average equity (ytd only) | 12.6154% | 453 |
| Net charge-offs to loans | 0.0114% | 2,136 |
| Credit loss provision to net charge-offs | 353.6082% | 985 |
| Earnings coverage of net charge-offs (x) | 280.2784% | 431 |
| Efficiency ratio | 54.9437% | 3,830 |
| Assets per employee ($millions) | 27.3498% | 59 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9380% | 3,969 |
| Loan loss allowance to noncurrent loans | 2,366.2050% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.0183% | 3,956 |
| Noncurrent loans to loans | 0.0396% | 3,791 |
| Net loans and leases to total assets | 45.8137% | 3,709 |
| Net loans and leases to deposits | 51.0041% | 3,800 |
| Net loans and leases to core deposits | 51.3521% | 3,940 |
| Total domestic deposits to total assets | 89.8237% | 1,048 |
| Equity capital to assets | 9.5710% | 3,072 |
| Core capital (leverage) ratio | 7.9939% | 4,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6123% | 2,751 |
| Memoranda: | ||
| Average total assets | $1,713,696,600 | 611 |
| Average earning assets | $1,608,518,000 | 597 |
| Average equity | $167,129,200 | 647 |
| Average total loans | $850,518,600 | 761 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2421% | 3,527 |
| Cost of funding earning assets | 0.0365% | 4,825 |
| Net interest margin | 3.2056% | 2,712 |
| Noninterest income to average assets | 0.6257% | 2,114 |
| Noninterest expense to average assets | 2.0472% | 3,530 |
| Loan and lease loss provision to assets | 0.0625% | 1,749 |
| Net operating income to assets | 1.1973% | 2,180 |
| Return on assets (ROA) | 1.2073% | 2,203 |
| Pretax return on assets | 1.5278% | 1,912 |
| Return on Equity (ROE) | 12.3108% | 1,934 |
| Retained earnings to average equity (ytd only) | 12.3108% | 771 |
| Net charge-offs to loans | 0.0179% | 1,704 |
| Credit loss provision to net charge-offs | 756.2500% | 610 |
| Earnings coverage of net charge-offs (x) | 174.2946% | 609 |
| Efficiency ratio | 56.0475% | 3,524 |
| Assets per employee ($millions) | 25.8420% | 63 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0256% | 3,754 |
| Loan loss allowance to noncurrent loans | 1,881.4583% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.1047% | 3,407 |
| Noncurrent loans to loans | 0.0545% | 3,834 |
| Net loans and leases to total assets | 48.1795% | 3,612 |
| Net loans and leases to deposits | 53.8742% | 3,750 |
| Net loans and leases to core deposits | 54.2749% | 3,900 |
| Total domestic deposits to total assets | 89.4297% | 1,051 |
| Equity capital to assets | 9.8917% | 3,007 |
| Core capital (leverage) ratio | 8.1750% | 4,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2783% | 2,912 |
| Memoranda: | ||
| Average total assets | $1,649,824,750 | 634 |
| Average earning assets | $1,543,559,000 | 627 |
| Average equity | $161,793,750 | 676 |
| Average total loans | $835,473,500 | 784 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2648% | 3,527 |
| Cost of funding earning assets | 0.0394% | 4,858 |
| Net interest margin | 3.2253% | 2,677 |
| Noninterest income to average assets | 0.6372% | 2,056 |
| Noninterest expense to average assets | 2.0857% | 3,428 |
| Loan and lease loss provision to assets | -0.0967% | 4,620 |
| Net operating income to assets | 1.2919% | 1,894 |
| Return on assets (ROA) | 1.3049% | 1,924 |
| Pretax return on assets | 1.6760% | 1,541 |
| Return on Equity (ROE) | 13.3496% | 1,609 |
| Retained earnings to average equity (ytd only) | 13.3496% | 659 |
| Net charge-offs to loans | 0.0061% | 1,925 |
| Credit loss provision to net charge-offs | -2,704.0000% | 3,885 |
| Earnings coverage of net charge-offs (x) | 499.1200% | 266 |
| Efficiency ratio | 56.7216% | 3,444 |
| Assets per employee ($millions) | 23.1805% | 77 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8817% | 4,208 |
| Loan loss allowance to noncurrent loans | 1,063.7255% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.0434% | 3,964 |
| Noncurrent loans to loans | 0.0829% | 3,776 |
| Net loans and leases to total assets | 51.8799% | 3,353 |
| Net loans and leases to deposits | 58.8759% | 3,468 |
| Net loans and leases to core deposits | 59.3858% | 3,667 |
| Total domestic deposits to total assets | 88.1173% | 1,763 |
| Equity capital to assets | 10.0721% | 2,790 |
| Core capital (leverage) ratio | 7.4764% | 4,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7102% | 3,009 |
| Memoranda: | ||
| Average total assets | $1,596,785,333 | 652 |
| Average earning assets | $1,490,885,667 | 640 |
| Average equity | $156,080,000 | 690 |
| Average total loans | $820,441,000 | 804 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2111% | 3,666 |
| Cost of funding earning assets | 0.0409% | 4,895 |
| Net interest margin | 3.1702% | 2,787 |
| Noninterest income to average assets | 0.5717% | 2,321 |
| Noninterest expense to average assets | 2.1042% | 3,413 |
| Loan and lease loss provision to assets | -0.0633% | 4,672 |
| Net operating income to assets | 1.1760% | 2,248 |
| Return on assets (ROA) | 1.1861% | 2,276 |
| Pretax return on assets | 1.5023% | 1,988 |
| Return on Equity (ROE) | 12.3304% | 1,891 |
| Retained earnings to average equity (ytd only) | 12.3304% | 1,066 |
| Net charge-offs to loans | -0.0360% | 4,258 |
| Credit loss provision to net charge-offs | 358.3333% | 689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1410% | 3,136 |
| Assets per employee ($millions) | 20.1843% | 93 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9848% | 3,901 |
| Loan loss allowance to noncurrent loans | 825.8656% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.0608% | 3,944 |
| Noncurrent loans to loans | 0.1192% | 3,717 |
| Net loans and leases to total assets | 50.5001% | 3,580 |
| Net loans and leases to deposits | 56.0873% | 3,781 |
| Net loans and leases to core deposits | 56.5515% | 3,936 |
| Total domestic deposits to total assets | 90.0385% | 799 |
| Equity capital to assets | 9.2005% | 3,494 |
| Core capital (leverage) ratio | 7.1724% | 4,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0329% | 2,928 |
| Memoranda: | ||
| Average total assets | $1,572,270,000 | 648 |
| Average earning assets | $1,467,410,500 | 642 |
| Average equity | $151,236,000 | 707 |
| Average total loans | $799,940,500 | 815 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8118% | 3,267 |
| Cost of funding earning assets | 0.1190% | 4,816 |
| Net interest margin | 3.6928% | 1,822 |
| Noninterest income to average assets | 0.7502% | 1,690 |
| Noninterest expense to average assets | 2.3112% | 3,377 |
| Loan and lease loss provision to assets | 0.3861% | 834 |
| Net operating income to assets | 1.1516% | 1,717 |
| Return on assets (ROA) | 1.1952% | 1,674 |
| Pretax return on assets | 1.5671% | 1,140 |
| Return on Equity (ROE) | 12.6692% | 1,128 |
| Retained earnings to average equity (ytd only) | 12.6692% | 263 |
| Net charge-offs to loans | 0.0797% | 1,676 |
| Credit loss provision to net charge-offs | 773.7452% | 928 |
| Earnings coverage of net charge-offs (x) | 38.0328% | 1,425 |
| Efficiency ratio | 54.7148% | 4,126 |
| Assets per employee ($millions) | 19.6128% | 94 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0686% | 3,606 |
| Loan loss allowance to noncurrent loans | 1,249.3976% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.0434% | 4,133 |
| Noncurrent loans to loans | 0.0855% | 3,952 |
| Net loans and leases to total assets | 50.2045% | 3,815 |
| Net loans and leases to deposits | 56.5910% | 3,962 |
| Net loans and leases to core deposits | 57.0933% | 4,092 |
| Total domestic deposits to total assets | 88.7147% | 1,115 |
| Equity capital to assets | 10.0607% | 3,076 |
| Core capital (leverage) ratio | 9.0854% | 3,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1625% | 2,876 |
| Memoranda: | ||
| Average total assets | $1,038,035,000 | 849 |
| Average earning assets | $972,292,400 | 840 |
| Average equity | $97,930,400 | 974 |
| Average total loans | $649,710,800 | 918 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1648% | 2,483 |
| Cost of funding earning assets | 0.1555% | 4,790 |
| Net interest margin | 4.0093% | 1,095 |
| Noninterest income to average assets | 0.8158% | 1,433 |
| Noninterest expense to average assets | 2.4417% | 3,019 |
| Loan and lease loss provision to assets | 0.3177% | 1,249 |
| Net operating income to assets | 1.3738% | 1,170 |
| Return on assets (ROA) | 1.4334% | 1,116 |
| Pretax return on assets | 1.8918% | 647 |
| Return on Equity (ROE) | 15.6274% | 589 |
| Retained earnings to average equity (ytd only) | 15.6274% | 173 |
| Net charge-offs to loans | 0.1076% | 1,259 |
| Credit loss provision to net charge-offs | 436.8737% | 1,391 |
| Earnings coverage of net charge-offs (x) | 29.3507% | 1,608 |
| Efficiency ratio | 53.1939% | 4,231 |
| Assets per employee ($millions) | 19.9856% | 90 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9176% | 4,017 |
| Loan loss allowance to noncurrent loans | 903.0435% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.0664% | 4,107 |
| Noncurrent loans to loans | 0.1016% | 3,965 |
| Net loans and leases to total assets | 64.7381% | 2,674 |
| Net loans and leases to deposits | 75.9211% | 2,759 |
| Net loans and leases to core deposits | 76.4808% | 3,128 |
| Total domestic deposits to total assets | 85.2703% | 2,330 |
| Equity capital to assets | 8.7939% | 4,260 |
| Core capital (leverage) ratio | 8.3305% | 4,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2629% | 2,854 |
| Memoranda: | ||
| Average total assets | $915,093,750 | 942 |
| Average earning assets | $858,156,750 | 927 |
| Average equity | $83,936,000 | 1,100 |
| Average total loans | $618,057,250 | 948 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3713% | 2,278 |
| Cost of funding earning assets | 0.2108% | 4,737 |
| Net interest margin | 4.1605% | 998 |
| Noninterest income to average assets | 0.8477% | 1,295 |
| Noninterest expense to average assets | 2.6437% | 2,541 |
| Loan and lease loss provision to assets | 0.5530% | 604 |
| Net operating income to assets | 1.1662% | 1,738 |
| Return on assets (ROA) | 1.2560% | 1,593 |
| Pretax return on assets | 1.6552% | 1,092 |
| Return on Equity (ROE) | 13.4731% | 983 |
| Retained earnings to average equity (ytd only) | 13.4731% | 313 |
| Net charge-offs to loans | 0.1476% | 979 |
| Credit loss provision to net charge-offs | 547.8458% | 1,164 |
| Earnings coverage of net charge-offs (x) | 20.7483% | 1,677 |
| Efficiency ratio | 55.6210% | 3,989 |
| Assets per employee ($millions) | 17.0311% | 118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9666% | 3,726 |
| Loan loss allowance to noncurrent loans | 1,456.4732% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.0461% | 4,303 |
| Noncurrent loans to loans | 0.0664% | 4,207 |
| Net loans and leases to total assets | 68.8632% | 2,206 |
| Net loans and leases to deposits | 77.2456% | 2,730 |
| Net loans and leases to core deposits | 77.8512% | 3,122 |
| Total domestic deposits to total assets | 89.1484% | 692 |
| Equity capital to assets | 8.9215% | 4,155 |
| Core capital (leverage) ratio | 8.0779% | 4,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7361% | 3,038 |
| Memoranda: | ||
| Average total assets | $873,707,333 | 964 |
| Average earning assets | $817,012,667 | 956 |
| Average equity | $81,451,000 | 1,125 |
| Average total loans | $597,735,000 | 963 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5121% | 2,283 |
| Cost of funding earning assets | 0.3640% | 4,474 |
| Net interest margin | 4.1481% | 1,029 |
| Noninterest income to average assets | 0.9855% | 889 |
| Noninterest expense to average assets | 2.8421% | 2,300 |
| Loan and lease loss provision to assets | 0.7707% | 327 |
| Net operating income to assets | 0.9333% | 2,408 |
| Return on assets (ROA) | 0.9230% | 2,552 |
| Pretax return on assets | 1.2211% | 2,123 |
| Return on Equity (ROE) | 9.6561% | 1,857 |
| Retained earnings to average equity (ytd only) | 9.6561% | 815 |
| Net charge-offs to loans | 0.1545% | 837 |
| Credit loss provision to net charge-offs | 735.6481% | 703 |
| Earnings coverage of net charge-offs (x) | 19.1481% | 1,442 |
| Efficiency ratio | 58.4558% | 3,944 |
| Assets per employee ($millions) | 16.0390% | 114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0436% | 3,475 |
| Loan loss allowance to noncurrent loans | 250.1267% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.4986% | 2,500 |
| Noncurrent loans to loans | 0.4172% | 3,001 |
| Net loans and leases to total assets | 64.8474% | 2,963 |
| Net loans and leases to deposits | 74.4432% | 3,225 |
| Net loans and leases to core deposits | 75.1116% | 3,561 |
| Total domestic deposits to total assets | 87.1099% | 1,513 |
| Equity capital to assets | 9.1967% | 4,468 |
| Core capital (leverage) ratio | 9.0467% | 4,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0737% | 3,320 |
| Memoranda: | ||
| Average total assets | $825,173,500 | 981 |
| Average earning assets | $768,158,500 | 973 |
| Average equity | $78,872,500 | 1,152 |
| Average total loans | $559,086,500 | 997 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7783% | 2,108 |
| Cost of funding earning assets | 0.4411% | 4,304 |
| Net interest margin | 4.3372% | 1,011 |
| Noninterest income to average assets | 1.2008% | 655 |
| Noninterest expense to average assets | 3.0395% | 1,911 |
| Loan and lease loss provision to assets | 0.3534% | 428 |
| Net operating income to assets | 1.3762% | 1,427 |
| Return on assets (ROA) | 1.4268% | 1,318 |
| Pretax return on assets | 1.8829% | 773 |
| Return on Equity (ROE) | 13.8626% | 925 |
| Retained earnings to average equity (ytd only) | 13.1766% | 160 |
| Net charge-offs to loans | 0.0561% | 2,300 |
| Credit loss provision to net charge-offs | 893.9286% | 378 |
| Earnings coverage of net charge-offs (x) | 54.9429% | 1,044 |
| Efficiency ratio | 58.0466% | 3,956 |
| Assets per employee ($millions) | 13.0707% | 178 |
| Cash dividends to net income (ytd only)* | 4.9480% | 3,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0583% | 3,172 |
| Loan loss allowance to noncurrent loans | 85.9186% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 1.1134% | 1,090 |
| Noncurrent loans to loans | 1.2317% | 1,215 |
| Net loans and leases to total assets | 69.4653% | 2,486 |
| Net loans and leases to deposits | 78.5008% | 2,956 |
| Net loans and leases to core deposits | 79.4752% | 3,344 |
| Total domestic deposits to total assets | 88.4900% | 891 |
| Equity capital to assets | 9.9577% | 3,963 |
| Core capital (leverage) ratio | 9.8670% | 3,653 |
| Tier 1 risk-based capital ratio | 10.3217% | 5,072 |
| Total risk-based capital ratio | 11.1887% | 5,091 |
| Memoranda: | ||
| Average total assets | $708,207,600 | 1,056 |
| Average earning assets | $654,942,800 | 1,053 |
| Average equity | $72,894,200 | 1,182 |
| Average total loans | $499,022,400 | 1,079 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9050% | 1,807 |
| Cost of funding earning assets | 0.4663% | 4,279 |
| Net interest margin | 4.4386% | 872 |
| Noninterest income to average assets | 1.2979% | 551 |
| Noninterest expense to average assets | 3.0274% | 1,902 |
| Loan and lease loss provision to assets | 0.1314% | 1,469 |
| Net operating income to assets | 1.6932% | 757 |
| Return on assets (ROA) | 1.7628% | 693 |
| Pretax return on assets | 2.3315% | 348 |
| Return on Equity (ROE) | 16.9692% | 481 |
| Retained earnings to average equity (ytd only) | 16.0380% | 105 |
| Net charge-offs to loans | 0.0595% | 1,967 |
| Credit loss provision to net charge-offs | 312.9032% | 927 |
| Earnings coverage of net charge-offs (x) | 56.5707% | 1,098 |
| Efficiency ratio | 55.7565% | 4,186 |
| Assets per employee ($millions) | 10.8631% | 278 |
| Cash dividends to net income (ytd only)* | 5.4873% | 3,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8126% | 4,380 |
| Loan loss allowance to noncurrent loans | 107.1128% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 0.5460% | 2,376 |
| Noncurrent loans to loans | 0.7587% | 2,067 |
| Net loans and leases to total assets | 71.3828% | 2,267 |
| Net loans and leases to deposits | 85.7584% | 2,222 |
| Net loans and leases to core deposits | 86.7669% | 2,843 |
| Total domestic deposits to total assets | 83.2371% | 3,086 |
| Equity capital to assets | 11.1907% | 2,942 |
| Core capital (leverage) ratio | 9.9417% | 3,692 |
| Tier 1 risk-based capital ratio | 11.5031% | 4,667 |
| Total risk-based capital ratio | 12.1887% | 4,818 |
| Memoranda: | ||
| Average total assets | $689,199,500 | 1,082 |
| Average earning assets | $637,295,000 | 1,082 |
| Average equity | $71,594,750 | 1,198 |
| Average total loans | $486,127,500 | 1,107 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8268% | 1,980 |
| Cost of funding earning assets | 0.4526% | 4,313 |
| Net interest margin | 4.3742% | 987 |
| Noninterest income to average assets | 1.2425% | 557 |
| Noninterest expense to average assets | 2.9680% | 2,090 |
| Loan and lease loss provision to assets | 0.1147% | 1,636 |
| Net operating income to assets | 1.6689% | 770 |
| Return on assets (ROA) | 1.7142% | 738 |
| Pretax return on assets | 2.2643% | 382 |
| Return on Equity (ROE) | 16.9434% | 470 |
| Retained earnings to average equity (ytd only) | 15.5079% | 149 |
| Net charge-offs to loans | 0.0794% | 1,568 |
| Credit loss provision to net charge-offs | 206.2827% | 1,178 |
| Earnings coverage of net charge-offs (x) | 41.7644% | 1,215 |
| Efficiency ratio | 55.8184% | 4,268 |
| Assets per employee ($millions) | 11.1028% | 262 |
| Cash dividends to net income (ytd only)* | 8.4720% | 3,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7851% | 4,493 |
| Loan loss allowance to noncurrent loans | 168.1537% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.3090% | 3,299 |
| Noncurrent loans to loans | 0.4669% | 2,884 |
| Net loans and leases to total assets | 65.6534% | 3,151 |
| Net loans and leases to deposits | 74.3894% | 3,489 |
| Net loans and leases to core deposits | 75.0744% | 3,812 |
| Total domestic deposits to total assets | 88.2564% | 988 |
| Equity capital to assets | 10.0753% | 3,912 |
| Core capital (leverage) ratio | 9.5554% | 4,097 |
| Tier 1 risk-based capital ratio | 11.4747% | 4,697 |
| Total risk-based capital ratio | 12.1455% | 4,872 |
| Memoranda: | ||
| Average total assets | $687,187,330 | 1,086 |
| Average earning assets | $635,821,670 | 1,086 |
| Average equity | $69,525,670 | 1,217 |
| Average total loans | $481,388,330 | 1,121 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9543% | 1,464 |
| Cost of funding earning assets | 0.4495% | 4,287 |
| Net interest margin | 4.5048% | 734 |
| Noninterest income to average assets | 1.2457% | 530 |
| Noninterest expense to average assets | 3.1006% | 1,734 |
| Loan and lease loss provision to assets | 0.2017% | 791 |
| Net operating income to assets | 1.5957% | 906 |
| Return on assets (ROA) | 1.6737% | 799 |
| Pretax return on assets | 2.2174% | 430 |
| Return on Equity (ROE) | 16.5050% | 529 |
| Retained earnings to average equity (ytd only) | 13.5365% | 400 |
| Net charge-offs to loans | 0.1243% | 1,001 |
| Credit loss provision to net charge-offs | 224.8322% | 980 |
| Earnings coverage of net charge-offs (x) | 25.8658% | 1,415 |
| Efficiency ratio | 56.8969% | 4,225 |
| Assets per employee ($millions) | 9.5687% | 393 |
| Cash dividends to net income (ytd only)* | 17.9856% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7793% | 4,581 |
| Loan loss allowance to noncurrent loans | 154.5047% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 0.3662% | 3,135 |
| Noncurrent loans to loans | 0.5044% | 2,799 |
| Net loans and leases to total assets | 72.0388% | 2,158 |
| Net loans and leases to deposits | 81.3571% | 2,686 |
| Net loans and leases to core deposits | 81.6379% | 3,212 |
| Total domestic deposits to total assets | 88.5464% | 1,064 |
| Equity capital to assets | 10.3345% | 3,489 |
| Core capital (leverage) ratio | 9.3979% | 4,257 |
| Tier 1 risk-based capital ratio | 11.2371% | 4,869 |
| Total risk-based capital ratio | 11.9252% | 5,018 |
| Memoranda: | ||
| Average total assets | $664,389,500 | 1,123 |
| Average earning assets | $615,785,000 | 1,121 |
| Average equity | $67,373,500 | 1,241 |
| Average total loans | $479,630,500 | 1,124 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7440% | 1,695 |
| Cost of funding earning assets | 0.3344% | 4,381 |
| Net interest margin | 4.4095% | 914 |
| Noninterest income to average assets | 1.4298% | 441 |
| Noninterest expense to average assets | 3.4880% | 1,008 |
| Loan and lease loss provision to assets | -0.1299% | 5,292 |
| Net operating income to assets | 1.6284% | 819 |
| Return on assets (ROA) | 1.6162% | 833 |
| Pretax return on assets | 2.1190% | 419 |
| Return on Equity (ROE) | 16.0209% | 629 |
| Retained earnings to average equity (ytd only) | 4.3981% | 3,119 |
| Net charge-offs to loans | 0.0413% | 2,588 |
| Credit loss provision to net charge-offs | -451.6304% | 4,615 |
| Earnings coverage of net charge-offs (x) | 69.6848% | 936 |
| Efficiency ratio | 63.1458% | 3,315 |
| Assets per employee ($millions) | 8.6707% | 517 |
| Cash dividends to net income (ytd only)* | 72.5479% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7620% | 4,643 |
| Loan loss allowance to noncurrent loans | 99.8891% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 0.5853% | 2,276 |
| Noncurrent loans to loans | 0.7629% | 2,096 |
| Net loans and leases to total assets | 71.2240% | 2,393 |
| Net loans and leases to deposits | 81.6594% | 2,777 |
| Net loans and leases to core deposits | 81.9504% | 3,264 |
| Total domestic deposits to total assets | 87.2209% | 1,675 |
| Equity capital to assets | 9.9437% | 3,733 |
| Core capital (leverage) ratio | 9.1984% | 4,461 |
| Tier 1 risk-based capital ratio | 11.2225% | 4,853 |
| Total risk-based capital ratio | 11.8984% | 5,024 |
| Memoranda: | ||
| Average total assets | $639,651,400 | 1,135 |
| Average earning assets | $589,338,600 | 1,135 |
| Average equity | $64,528,200 | 1,242 |
| Average total loans | $445,409,800 | 1,155 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7602% | 1,521 |
| Cost of funding earning assets | 0.2875% | 4,602 |
| Net interest margin | 4.4728% | 786 |
| Noninterest income to average assets | 1.5359% | 414 |
| Noninterest expense to average assets | 3.4421% | 1,066 |
| Loan and lease loss provision to assets | -0.1195% | 5,361 |
| Net operating income to assets | 1.7807% | 620 |
| Return on assets (ROA) | 1.7615% | 650 |
| Pretax return on assets | 2.3034% | 338 |
| Return on Equity (ROE) | 17.3967% | 499 |
| Retained earnings to average equity (ytd only) | 8.0626% | 1,615 |
| Net charge-offs to loans | 0.0474% | 2,147 |
| Credit loss provision to net charge-offs | -364.7436% | 4,430 |
| Earnings coverage of net charge-offs (x) | 67.3990% | 980 |
| Efficiency ratio | 60.5583% | 3,732 |
| Assets per employee ($millions) | 8.1254% | 623 |
| Cash dividends to net income (ytd only)* | 53.6545% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8639% | 4,396 |
| Loan loss allowance to noncurrent loans | 87.8412% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 0.8087% | 1,824 |
| Noncurrent loans to loans | 0.9835% | 1,729 |
| Net loans and leases to total assets | 68.7449% | 2,831 |
| Net loans and leases to deposits | 81.1698% | 2,905 |
| Net loans and leases to core deposits | 81.5008% | 3,363 |
| Total domestic deposits to total assets | 84.6928% | 2,725 |
| Equity capital to assets | 9.9755% | 3,673 |
| Core capital (leverage) ratio | 9.4679% | 4,216 |
| Tier 1 risk-based capital ratio | 12.0737% | 4,460 |
| Total risk-based capital ratio | 12.8467% | 4,623 |
| Memoranda: | ||
| Average total assets | $634,821,000 | 1,148 |
| Average earning assets | $583,964,500 | 1,148 |
| Average equity | $64,278,750 | 1,245 |
| Average total loans | $438,524,500 | 1,166 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8346% | 1,160 |
| Cost of funding earning assets | 0.2608% | 4,698 |
| Net interest margin | 4.5739% | 591 |
| Noninterest income to average assets | 1.5628% | 398 |
| Noninterest expense to average assets | 3.5160% | 977 |
| Loan and lease loss provision to assets | -0.1550% | 5,453 |
| Net operating income to assets | 1.8447% | 529 |
| Return on assets (ROA) | 1.8188% | 562 |
| Pretax return on assets | 2.3749% | 285 |
| Return on Equity (ROE) | 17.8717% | 430 |
| Retained earnings to average equity (ytd only) | 13.1908% | 353 |
| Net charge-offs to loans | 0.0428% | 2,010 |
| Credit loss provision to net charge-offs | -524.7312% | 4,376 |
| Earnings coverage of net charge-offs (x) | 76.2688% | 847 |
| Efficiency ratio | 60.5924% | 3,838 |
| Assets per employee ($millions) | 7.9707% | 631 |
| Cash dividends to net income (ytd only)* | 26.1917% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9078% | 4,310 |
| Loan loss allowance to noncurrent loans | 87.0822% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 0.8355% | 1,788 |
| Noncurrent loans to loans | 1.0425% | 1,681 |
| Net loans and leases to total assets | 67.4375% | 2,957 |
| Net loans and leases to deposits | 78.8644% | 3,066 |
| Net loans and leases to core deposits | 79.2170% | 3,479 |
| Total domestic deposits to total assets | 85.5108% | 2,491 |
| Equity capital to assets | 10.0559% | 3,571 |
| Core capital (leverage) ratio | 9.4838% | 4,133 |
| Tier 1 risk-based capital ratio | 12.4140% | 4,237 |
| Total risk-based capital ratio | 13.2343% | 4,386 |
| Memoranda: | ||
| Average total assets | $629,750,670 | 1,155 |
| Average earning assets | $579,070,000 | 1,164 |
| Average equity | $64,090,330 | 1,249 |
| Average total loans | $434,446,670 | 1,178 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4892% | 1,902 |
| Cost of funding earning assets | 0.2345% | 4,803 |
| Net interest margin | 4.2547% | 1,035 |
| Noninterest income to average assets | 1.5733% | 394 |
| Noninterest expense to average assets | 3.6949% | 764 |
| Loan and lease loss provision to assets | 0.0240% | 3,211 |
| Net operating income to assets | 1.3622% | 1,445 |
| Return on assets (ROA) | 1.3622% | 1,459 |
| Pretax return on assets | 1.7668% | 970 |
| Return on Equity (ROE) | 13.3011% | 1,181 |
| Retained earnings to average equity (ytd only) | 10.1402% | 1,122 |
| Net charge-offs to loans | -0.0037% | 3,919 |
| Credit loss provision to net charge-offs | -925.0000% | 4,156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9775% | 3,010 |
| Assets per employee ($millions) | 7.5414% | 754 |
| Cash dividends to net income (ytd only)* | 23.7643% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0726% | 3,535 |
| Loan loss allowance to noncurrent loans | 58.0830% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 1.3964% | 1,042 |
| Noncurrent loans to loans | 1.8467% | 894 |
| Net loans and leases to total assets | 67.8481% | 2,785 |
| Net loans and leases to deposits | 75.7337% | 3,243 |
| Net loans and leases to core deposits | 81.7480% | 3,165 |
| Total domestic deposits to total assets | 89.5877% | 841 |
| Equity capital to assets | 10.0031% | 3,586 |
| Core capital (leverage) ratio | 9.5755% | 3,988 |
| Tier 1 risk-based capital ratio | 12.3175% | 4,369 |
| Total risk-based capital ratio | 13.3037% | 4,407 |
| Memoranda: | ||
| Average total assets | $617,828,000 | 1,190 |
| Average earning assets | $568,121,000 | 1,192 |
| Average equity | $63,273,000 | 1,267 |
| Average total loans | $429,266,500 | 1,191 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3828% | 2,074 |
| Cost of funding earning assets | 0.2028% | 4,926 |
| Net interest margin | 4.1800% | 1,230 |
| Noninterest income to average assets | 1.5739% | 423 |
| Noninterest expense to average assets | 3.6211% | 877 |
| Loan and lease loss provision to assets | 0.3812% | 395 |
| Net operating income to assets | 0.6402% | 3,852 |
| Return on assets (ROA) | 0.6745% | 3,761 |
| Pretax return on assets | 1.4114% | 1,953 |
| Return on Equity (ROE) | 6.2272% | 3,661 |
| Retained earnings to average equity (ytd only) | 0.6487% | 4,781 |
| Net charge-offs to loans | 0.3382% | 754 |
| Credit loss provision to net charge-offs | 165.2695% | 1,625 |
| Earnings coverage of net charge-offs (x) | 7.5404% | 3,028 |
| Efficiency ratio | 67.0918% | 3,063 |
| Assets per employee ($millions) | 6.7661% | 1,071 |
| Cash dividends to net income (ytd only)* | 89.5828% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0892% | 3,408 |
| Loan loss allowance to noncurrent loans | 52.4053% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 1.6005% | 831 |
| Noncurrent loans to loans | 2.0784% | 723 |
| Net loans and leases to total assets | 69.6557% | 2,574 |
| Net loans and leases to deposits | 80.2798% | 2,883 |
| Net loans and leases to core deposits | 85.9880% | 2,906 |
| Total domestic deposits to total assets | 86.7661% | 2,102 |
| Equity capital to assets | 10.4917% | 3,176 |
| Core capital (leverage) ratio | 9.9378% | 3,534 |
| Tier 1 risk-based capital ratio | 12.3723% | 4,280 |
| Total risk-based capital ratio | 13.3904% | 4,332 |
| Memoranda: | ||
| Average total assets | $579,266,800 | 1,234 |
| Average earning assets | $524,709,600 | 1,247 |
| Average equity | $62,741,000 | 1,261 |
| Average total loans | $395,048,600 | 1,247 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4194% | 1,901 |
| Cost of funding earning assets | 0.2009% | 4,968 |
| Net interest margin | 4.2185% | 1,114 |
| Noninterest income to average assets | 1.5573% | 449 |
| Noninterest expense to average assets | 3.6488% | 818 |
| Loan and lease loss provision to assets | 0.4270% | 314 |
| Net operating income to assets | 0.8859% | 3,100 |
| Return on assets (ROA) | 0.9320% | 2,930 |
| Pretax return on assets | 1.3562% | 2,255 |
| Return on Equity (ROE) | 8.5344% | 2,850 |
| Retained earnings to average equity (ytd only) | 1.0836% | 4,952 |
| Net charge-offs to loans | 0.5470% | 366 |
| Credit loss provision to net charge-offs | 115.4620% | 2,071 |
| Earnings coverage of net charge-offs (x) | 4.6411% | 3,197 |
| Efficiency ratio | 67.5303% | 2,959 |
| Assets per employee ($millions) | 6.4426% | 1,215 |
| Cash dividends to net income (ytd only)* | 87.3036% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9945% | 4,096 |
| Loan loss allowance to noncurrent loans | 50.8533% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 1.8346% | 742 |
| Noncurrent loans to loans | 1.9556% | 876 |
| Net loans and leases to total assets | 70.1152% | 2,540 |
| Net loans and leases to deposits | 79.4607% | 3,020 |
| Net loans and leases to core deposits | 86.4124% | 2,928 |
| Total domestic deposits to total assets | 88.2388% | 1,235 |
| Equity capital to assets | 11.1366% | 2,730 |
| Core capital (leverage) ratio | 9.9341% | 3,644 |
| Tier 1 risk-based capital ratio | 13.1323% | 3,921 |
| Total risk-based capital ratio | 14.0866% | 4,024 |
| Memoranda: | ||
| Average total assets | $573,538,000 | 1,254 |
| Average earning assets | $517,739,250 | 1,274 |
| Average equity | $62,631,500 | 1,268 |
| Average total loans | $387,792,500 | 1,274 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4214% | 1,750 |
| Cost of funding earning assets | 0.1904% | 5,066 |
| Net interest margin | 4.2309% | 1,008 |
| Noninterest income to average assets | 1.5372% | 461 |
| Noninterest expense to average assets | 3.5857% | 882 |
| Loan and lease loss provision to assets | 0.5110% | 226 |
| Net operating income to assets | 0.8743% | 3,050 |
| Return on assets (ROA) | 0.8890% | 3,024 |
| Pretax return on assets | 1.2818% | 2,458 |
| Return on Equity (ROE) | 8.1937% | 2,920 |
| Retained earnings to average equity (ytd only) | 3.3908% | 3,695 |
| Net charge-offs to loans | 0.2463% | 831 |
| Credit loss provision to net charge-offs | 311.6525% | 938 |
| Earnings coverage of net charge-offs (x) | 10.8051% | 2,321 |
| Efficiency ratio | 66.4570% | 3,274 |
| Assets per employee ($millions) | 6.5853% | 1,107 |
| Cash dividends to net income (ytd only)* | 58.6166% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2568% | 2,645 |
| Loan loss allowance to noncurrent loans | 52.2975% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 2.1298% | 577 |
| Noncurrent loans to loans | 2.4032% | 649 |
| Net loans and leases to total assets | 65.8390% | 3,131 |
| Net loans and leases to deposits | 75.5690% | 3,395 |
| Net loans and leases to core deposits | 83.6480% | 3,108 |
| Total domestic deposits to total assets | 87.1243% | 1,896 |
| Equity capital to assets | 11.1403% | 2,664 |
| Core capital (leverage) ratio | 9.7364% | 3,855 |
| Tier 1 risk-based capital ratio | 13.8804% | 3,483 |
| Total risk-based capital ratio | 15.0678% | 3,446 |
| Memoranda: | ||
| Average total assets | $575,734,000 | 1,256 |
| Average earning assets | $519,841,000 | 1,276 |
| Average equity | $62,462,330 | 1,275 |
| Average total loans | $383,219,670 | 1,291 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2696% | 2,045 |
| Cost of funding earning assets | 0.1850% | 5,112 |
| Net interest margin | 4.0846% | 1,251 |
| Noninterest income to average assets | 1.4224% | 530 |
| Noninterest expense to average assets | 3.3520% | 1,281 |
| Loan and lease loss provision to assets | 0.2846% | 499 |
| Net operating income to assets | 1.0128% | 2,250 |
| Return on assets (ROA) | 1.0241% | 2,259 |
| Pretax return on assets | 1.4989% | 1,534 |
| Return on Equity (ROE) | 9.5643% | 2,160 |
| Retained earnings to average equity (ytd only) | 6.3462% | 2,167 |
| Net charge-offs to loans | 0.3523% | 521 |
| Credit loss provision to net charge-offs | 121.4706% | 1,388 |
| Earnings coverage of net charge-offs (x) | 7.5412% | 2,126 |
| Efficiency ratio | 64.9838% | 3,665 |
| Assets per employee ($millions) | 7.3240% | 813 |
| Cash dividends to net income (ytd only)* | 33.6474% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9894% | 4,353 |
| Loan loss allowance to noncurrent loans | 50.9741% | 4,619 |
| Noncurrent assets plus other real estate owned to assets | 1.7598% | 826 |
| Noncurrent loans to loans | 1.9409% | 930 |
| Net loans and leases to total assets | 66.0719% | 2,957 |
| Net loans and leases to deposits | 76.2885% | 3,166 |
| Net loans and leases to core deposits | 84.5967% | 2,847 |
| Total domestic deposits to total assets | 86.6079% | 2,396 |
| Equity capital to assets | 10.8485% | 2,798 |
| Core capital (leverage) ratio | 9.7470% | 3,818 |
| Tier 1 risk-based capital ratio | 13.8184% | 3,591 |
| Total risk-based capital ratio | 14.7724% | 3,674 |
| Memoranda: | ||
| Average total assets | $580,431,500 | 1,242 |
| Average earning assets | $525,294,000 | 1,262 |
| Average equity | $62,147,500 | 1,276 |
| Average total loans | $386,020,500 | 1,287 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4382% | 1,717 |
| Cost of funding earning assets | 0.1909% | 5,100 |
| Net interest margin | 4.2474% | 1,019 |
| Noninterest income to average assets | 1.2007% | 791 |
| Noninterest expense to average assets | 3.3361% | 1,495 |
| Loan and lease loss provision to assets | -0.0801% | 5,659 |
| Net operating income to assets | 1.1803% | 1,566 |
| Return on assets (ROA) | 1.2661% | 1,389 |
| Pretax return on assets | 1.9301% | 585 |
| Return on Equity (ROE) | 12.0305% | 1,235 |
| Retained earnings to average equity (ytd only) | 7.0871% | 1,194 |
| Net charge-offs to loans | -0.1998% | 5,742 |
| Credit loss provision to net charge-offs | 57.4627% | 3,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4239% | 3,692 |
| Assets per employee ($millions) | 7.3705% | 770 |
| Cash dividends to net income (ytd only)* | 41.0903% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9709% | 4,470 |
| Loan loss allowance to noncurrent loans | 161.9974% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 0.8649% | 2,185 |
| Noncurrent loans to loans | 0.5993% | 3,054 |
| Net loans and leases to total assets | 65.6374% | 3,128 |
| Net loans and leases to deposits | 80.0867% | 2,877 |
| Net loans and leases to core deposits | 88.3168% | 2,640 |
| Total domestic deposits to total assets | 81.9579% | 4,087 |
| Equity capital to assets | 10.5666% | 3,081 |
| Core capital (leverage) ratio | 9.5925% | 3,975 |
| Tier 1 risk-based capital ratio | 13.6963% | 3,652 |
| Total risk-based capital ratio | 14.6359% | 3,743 |
| Memoranda: | ||
| Average total assets | $576,652,800 | 1,211 |
| Average earning assets | $523,431,600 | 1,228 |
| Average equity | $60,687,400 | 1,280 |
| Average total loans | $402,427,200 | 1,197 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4529% | 1,687 |
| Cost of funding earning assets | 0.2003% | 5,065 |
| Net interest margin | 4.2527% | 1,023 |
| Noninterest income to average assets | 1.1478% | 871 |
| Noninterest expense to average assets | 3.2194% | 1,730 |
| Loan and lease loss provision to assets | -0.1527% | 5,842 |
| Net operating income to assets | 1.2691% | 1,386 |
| Return on assets (ROA) | 1.3897% | 1,145 |
| Pretax return on assets | 2.1305% | 438 |
| Return on Equity (ROE) | 13.2189% | 992 |
| Retained earnings to average equity (ytd only) | 6.6050% | 1,842 |
| Net charge-offs to loans | -0.2699% | 5,823 |
| Credit loss provision to net charge-offs | 80.0729% | 2,658 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6620% | 3,974 |
| Assets per employee ($millions) | 7.2729% | 795 |
| Cash dividends to net income (ytd only)* | 50.0333% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9209% | 4,803 |
| Loan loss allowance to noncurrent loans | 299.4128% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.6955% | 2,830 |
| Noncurrent loans to loans | 0.3076% | 4,149 |
| Net loans and leases to total assets | 66.8312% | 2,982 |
| Net loans and leases to deposits | 77.8354% | 3,199 |
| Net loans and leases to core deposits | 85.1731% | 3,023 |
| Total domestic deposits to total assets | 85.8622% | 2,428 |
| Equity capital to assets | 10.9010% | 3,130 |
| Core capital (leverage) ratio | 9.6671% | 3,974 |
| Tier 1 risk-based capital ratio | 13.3944% | 3,922 |
| Total risk-based capital ratio | 14.2935% | 4,046 |
| Memoranda: | ||
| Average total assets | $575,249,500 | 1,216 |
| Average earning assets | $522,638,500 | 1,225 |
| Average equity | $60,477,750 | 1,291 |
| Average total loans | $406,551,250 | 1,187 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4971% | 1,521 |
| Cost of funding earning assets | 0.2088% | 5,057 |
| Net interest margin | 4.2883% | 944 |
| Noninterest income to average assets | 1.0513% | 1,011 |
| Noninterest expense to average assets | 3.1727% | 1,878 |
| Loan and lease loss provision to assets | -0.3461% | 5,991 |
| Net operating income to assets | 1.3623% | 1,133 |
| Return on assets (ROA) | 1.3769% | 1,172 |
| Pretax return on assets | 2.1440% | 424 |
| Return on Equity (ROE) | 13.2599% | 966 |
| Retained earnings to average equity (ytd only) | 3.2196% | 3,844 |
| Net charge-offs to loans | -0.3618% | 5,909 |
| Credit loss provision to net charge-offs | 133.3333% | 1,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5361% | 4,094 |
| Assets per employee ($millions) | 7.3975% | 733 |
| Cash dividends to net income (ytd only)* | 75.7193% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8075% | 5,266 |
| Loan loss allowance to noncurrent loans | 526.8781% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.5898% | 3,254 |
| Noncurrent loans to loans | 0.1533% | 4,827 |
| Net loans and leases to total assets | 67.1928% | 2,916 |
| Net loans and leases to deposits | 77.9149% | 3,166 |
| Net loans and leases to core deposits | 86.0778% | 2,891 |
| Total domestic deposits to total assets | 86.2387% | 2,305 |
| Equity capital to assets | 10.6022% | 3,531 |
| Core capital (leverage) ratio | 9.1907% | 4,611 |
| Tier 1 risk-based capital ratio | 12.6583% | 4,416 |
| Total risk-based capital ratio | 13.4389% | 4,628 |
| Memoranda: | ||
| Average total assets | $575,479,000 | 1,219 |
| Average earning assets | $522,866,330 | 1,228 |
| Average equity | $59,759,330 | 1,304 |
| Average total loans | $412,883,330 | 1,177 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5112% | 1,474 |
| Cost of funding earning assets | 0.2114% | 5,092 |
| Net interest margin | 4.2999% | 931 |
| Noninterest income to average assets | 0.9779% | 1,128 |
| Noninterest expense to average assets | 3.0248% | 2,315 |
| Loan and lease loss provision to assets | -0.1225% | 5,997 |
| Net operating income to assets | 1.2800% | 1,307 |
| Return on assets (ROA) | 1.2813% | 1,390 |
| Pretax return on assets | 1.9857% | 586 |
| Return on Equity (ROE) | 12.4705% | 1,163 |
| Retained earnings to average equity (ytd only) | -7.8508% | 5,743 |
| Net charge-offs to loans | -0.0462% | 5,289 |
| Credit loss provision to net charge-offs | 359.1837% | 760 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3105% | 4,555 |
| Assets per employee ($millions) | 7.4449% | 725 |
| Cash dividends to net income (ytd only)* | 162.9549% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8139% | 5,329 |
| Loan loss allowance to noncurrent loans | 327.4725% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.6814% | 3,014 |
| Noncurrent loans to loans | 0.2485% | 4,541 |
| Net loans and leases to total assets | 71.5455% | 2,108 |
| Net loans and leases to deposits | 85.3038% | 2,149 |
| Net loans and leases to core deposits | 94.1625% | 1,975 |
| Total domestic deposits to total assets | 83.8714% | 3,569 |
| Equity capital to assets | 10.5756% | 3,396 |
| Core capital (leverage) ratio | 8.7569% | 5,115 |
| Tier 1 risk-based capital ratio | 11.9758% | 4,931 |
| Total risk-based capital ratio | 12.7795% | 5,123 |
| Memoranda: | ||
| Average total assets | $574,717,500 | 1,220 |
| Average earning assets | $522,341,000 | 1,235 |
| Average equity | $59,051,500 | 1,311 |
| Average total loans | $423,895,000 | 1,148 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2298% | 2,459 |
| Cost of funding earning assets | 0.2392% | 4,906 |
| Net interest margin | 3.9906% | 1,746 |
| Noninterest income to average assets | 0.7482% | 1,995 |
| Noninterest expense to average assets | 3.4395% | 1,409 |
| Loan and lease loss provision to assets | -0.0607% | 5,774 |
| Net operating income to assets | 0.6768% | 3,918 |
| Return on assets (ROA) | 0.7326% | 3,753 |
| Pretax return on assets | 1.0707% | 3,187 |
| Return on Equity (ROE) | 6.6664% | 3,703 |
| Retained earnings to average equity (ytd only) | -17.2827% | 6,110 |
| Net charge-offs to loans | -0.1187% | 5,824 |
| Credit loss provision to net charge-offs | 68.7234% | 3,144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1785% | 1,939 |
| Assets per employee ($millions) | 7.9874% | 555 |
| Cash dividends to net income (ytd only)* | 359.2507% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7651% | 5,498 |
| Loan loss allowance to noncurrent loans | 294.5502% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.7647% | 2,771 |
| Noncurrent loans to loans | 0.2598% | 4,510 |
| Net loans and leases to total assets | 74.7157% | 1,610 |
| Net loans and leases to deposits | 88.2373% | 1,849 |
| Net loans and leases to core deposits | 95.2798% | 1,914 |
| Total domestic deposits to total assets | 84.6758% | 3,221 |
| Equity capital to assets | 9.9908% | 3,966 |
| Core capital (leverage) ratio | 8.5049% | 5,428 |
| Tier 1 risk-based capital ratio | 11.8585% | 5,040 |
| Total risk-based capital ratio | 12.6594% | 5,209 |
| Memoranda: | ||
| Average total assets | $531,966,200 | 1,271 |
| Average earning assets | $482,479,400 | 1,287 |
| Average equity | $58,457,400 | 1,284 |
| Average total loans | $396,039,600 | 1,164 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1390% | 2,783 |
| Cost of funding earning assets | 0.2505% | 4,876 |
| Net interest margin | 3.8885% | 2,076 |
| Noninterest income to average assets | 1.1988% | 844 |
| Noninterest expense to average assets | 3.5586% | 1,181 |
| Loan and lease loss provision to assets | 0.1088% | 2,067 |
| Net operating income to assets | 0.7299% | 3,764 |
| Return on assets (ROA) | 0.7548% | 3,759 |
| Pretax return on assets | 1.0894% | 3,270 |
| Return on Equity (ROE) | 6.6952% | 3,785 |
| Retained earnings to average equity (ytd only) | 6.6952% | 1,839 |
| Net charge-offs to loans | -0.0427% | 5,493 |
| Credit loss provision to net charge-offs | -343.0894% | 5,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8908% | 2,418 |
| Assets per employee ($millions) | 8.1064% | 515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8522% | 5,363 |
| Loan loss allowance to noncurrent loans | 203.6958% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 1.2291% | 1,911 |
| Noncurrent loans to loans | 0.4184% | 4,102 |
| Net loans and leases to total assets | 73.7572% | 1,778 |
| Net loans and leases to deposits | 90.0650% | 1,642 |
| Net loans and leases to core deposits | 96.1695% | 1,861 |
| Total domestic deposits to total assets | 81.8933% | 4,198 |
| Equity capital to assets | 12.2055% | 1,956 |
| Core capital (leverage) ratio | 11.8109% | 1,809 |
| Tier 1 risk-based capital ratio | 14.1379% | 3,771 |
| Total risk-based capital ratio | 15.0121% | 3,926 |
| Memoranda: | ||
| Average total assets | $517,191,250 | 1,307 |
| Average earning assets | $468,445,250 | 1,327 |
| Average equity | $58,308,750 | 1,300 |
| Average total loans | $383,793,500 | 1,206 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2239% | 2,460 |
| Cost of funding earning assets | 0.2751% | 4,667 |
| Net interest margin | 3.9488% | 1,812 |
| Noninterest income to average assets | 1.2969% | 724 |
| Noninterest expense to average assets | 3.6795% | 1,013 |
| Loan and lease loss provision to assets | 0.2149% | 890 |
| Net operating income to assets | 0.6695% | 4,039 |
| Return on assets (ROA) | 0.6842% | 4,077 |
| Pretax return on assets | 0.9885% | 3,628 |
| Return on Equity (ROE) | 6.2805% | 3,999 |
| Retained earnings to average equity (ytd only) | 6.2805% | 2,072 |
| Net charge-offs to loans | 0.0463% | 2,771 |
| Credit loss provision to net charge-offs | 626.1905% | 529 |
| Earnings coverage of net charge-offs (x) | 34.4524% | 1,246 |
| Efficiency ratio | 75.2142% | 2,512 |
| Assets per employee ($millions) | 5.8717% | 1,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9598% | 5,061 |
| Loan loss allowance to noncurrent loans | 368.8933% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 1.2761% | 1,971 |
| Noncurrent loans to loans | 0.2602% | 4,745 |
| Net loans and leases to total assets | 74.7386% | 1,544 |
| Net loans and leases to deposits | 94.1119% | 1,141 |
| Net loans and leases to core deposits | 100.2255% | 1,473 |
| Total domestic deposits to total assets | 79.4146% | 5,002 |
| Equity capital to assets | 10.6406% | 3,281 |
| Core capital (leverage) ratio | 10.2857% | 3,234 |
| Tier 1 risk-based capital ratio | 13.4071% | 4,271 |
| Total risk-based capital ratio | 14.4004% | 4,345 |
| Memoranda: | ||
| Average total assets | $489,631,330 | 1,391 |
| Average earning assets | $442,003,670 | 1,417 |
| Average equity | $53,339,330 | 1,419 |
| Average total loans | $362,974,330 | 1,262 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2614% | 2,228 |
| Cost of funding earning assets | 0.2967% | 4,477 |
| Net interest margin | 3.9647% | 1,674 |
| Noninterest income to average assets | 1.3202% | 657 |
| Noninterest expense to average assets | 3.8411% | 835 |
| Loan and lease loss provision to assets | 0.2680% | 588 |
| Net operating income to assets | 0.5558% | 4,458 |
| Return on assets (ROA) | 0.5653% | 4,526 |
| Pretax return on assets | 0.7949% | 4,264 |
| Return on Equity (ROE) | 5.1258% | 4,465 |
| Retained earnings to average equity (ytd only) | 5.1258% | 2,984 |
| Net charge-offs to loans | 0.0136% | 2,905 |
| Credit loss provision to net charge-offs | 2,675.0000% | 149 |
| Earnings coverage of net charge-offs (x) | 104.7500% | 479 |
| Efficiency ratio | 78.0604% | 2,177 |
| Assets per employee ($millions) | 5.3523% | 1,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9935% | 5,065 |
| Loan loss allowance to noncurrent loans | 353.1683% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 1.4048% | 1,888 |
| Noncurrent loans to loans | 0.2813% | 4,770 |
| Net loans and leases to total assets | 72.9819% | 1,658 |
| Net loans and leases to deposits | 93.9332% | 989 |
| Net loans and leases to core deposits | 107.1320% | 866 |
| Total domestic deposits to total assets | 77.6955% | 5,506 |
| Equity capital to assets | 10.9514% | 3,026 |
| Core capital (leverage) ratio | 10.4248% | 3,068 |
| Tier 1 risk-based capital ratio | 13.2468% | 4,464 |
| Total risk-based capital ratio | 14.2196% | 4,536 |
| Memoranda: | ||
| Average total assets | $479,028,000 | 1,427 |
| Average earning assets | $431,406,000 | 1,455 |
| Average equity | $52,831,000 | 1,435 |
| Average total loans | $351,715,000 | 1,288 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5947% | 1,571 |
| Cost of funding earning assets | 0.3555% | 4,196 |
| Net interest margin | 4.2392% | 1,189 |
| Noninterest income to average assets | 1.3992% | 620 |
| Noninterest expense to average assets | 4.1887% | 609 |
| Loan and lease loss provision to assets | -0.1417% | 6,220 |
| Net operating income to assets | 0.7955% | 3,397 |
| Return on assets (ROA) | 0.8122% | 3,399 |
| Pretax return on assets | 1.1817% | 2,726 |
| Return on Equity (ROE) | 7.5519% | 3,346 |
| Retained earnings to average equity (ytd only) | 7.5519% | 1,178 |
| Net charge-offs to loans | 0.0634% | 3,584 |
| Credit loss provision to net charge-offs | -308.8785% | 5,706 |
| Earnings coverage of net charge-offs (x) | 22.1495% | 1,637 |
| Efficiency ratio | 79.9588% | 1,937 |
| Assets per employee ($millions) | 4.9062% | 2,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9460% | 5,301 |
| Loan loss allowance to noncurrent loans | 151.1132% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 1.7977% | 1,452 |
| Noncurrent loans to loans | 0.6260% | 3,813 |
| Net loans and leases to total assets | 72.4293% | 1,842 |
| Net loans and leases to deposits | 97.0154% | 831 |
| Net loans and leases to core deposits | 108.2009% | 881 |
| Total domestic deposits to total assets | 74.6576% | 5,893 |
| Equity capital to assets | 11.1088% | 2,795 |
| Core capital (leverage) ratio | 10.2490% | 3,248 |
| Tier 1 risk-based capital ratio | 13.6431% | 4,330 |
| Total risk-based capital ratio | 14.5747% | 4,454 |
| Memoranda: | ||
| Average total assets | $466,617,200 | 1,428 |
| Average earning assets | $418,851,800 | 1,467 |
| Average equity | $50,185,800 | 1,436 |
| Average total loans | $337,684,200 | 1,291 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6056% | 1,545 |
| Cost of funding earning assets | 0.3643% | 4,192 |
| Net interest margin | 4.2413% | 1,179 |
| Noninterest income to average assets | 1.4217% | 621 |
| Noninterest expense to average assets | 4.2916% | 556 |
| Loan and lease loss provision to assets | -0.1120% | 6,297 |
| Net operating income to assets | 0.7255% | 3,812 |
| Return on assets (ROA) | 0.7535% | 3,748 |
| Pretax return on assets | 1.0843% | 3,249 |
| Return on Equity (ROE) | 7.0650% | 3,683 |
| Retained earnings to average equity (ytd only) | 7.0650% | 1,786 |
| Net charge-offs to loans | 0.1230% | 2,585 |
| Credit loss provision to net charge-offs | -126.1290% | 5,485 |
| Earnings coverage of net charge-offs (x) | 10.4936% | 2,536 |
| Efficiency ratio | 81.6308% | 1,666 |
| Assets per employee ($millions) | 4.4920% | 2,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0152% | 5,145 |
| Loan loss allowance to noncurrent loans | 125.6223% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 2.0371% | 1,392 |
| Noncurrent loans to loans | 0.8082% | 3,556 |
| Net loans and leases to total assets | 70.9446% | 2,035 |
| Net loans and leases to deposits | 85.7628% | 1,933 |
| Net loans and leases to core deposits | 100.6624% | 1,317 |
| Total domestic deposits to total assets | 82.7219% | 4,229 |
| Equity capital to assets | 10.8548% | 3,121 |
| Core capital (leverage) ratio | 10.0657% | 3,576 |
| Tier 1 risk-based capital ratio | 13.5633% | 4,496 |
| Total risk-based capital ratio | 14.5707% | 4,599 |
| Memoranda: | ||
| Average total assets | $465,522,250 | 1,450 |
| Average earning assets | $417,248,500 | 1,478 |
| Average equity | $49,651,750 | 1,454 |
| Average total loans | $336,005,750 | 1,304 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6498% | 1,401 |
| Cost of funding earning assets | 0.3586% | 4,336 |
| Net interest margin | 4.2913% | 1,040 |
| Noninterest income to average assets | 1.4050% | 613 |
| Noninterest expense to average assets | 4.3282% | 531 |
| Loan and lease loss provision to assets | -0.3172% | 6,537 |
| Net operating income to assets | 0.8459% | 3,092 |
| Return on assets (ROA) | 0.8976% | 2,919 |
| Pretax return on assets | 1.3174% | 2,192 |
| Return on Equity (ROE) | 8.4662% | 2,852 |
| Retained earnings to average equity (ytd only) | 8.4662% | 1,151 |
| Net charge-offs to loans | -0.2123% | 6,354 |
| Credit loss provision to net charge-offs | 206.4607% | 1,137 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8600% | 1,760 |
| Assets per employee ($millions) | 4.1783% | 3,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1369% | 4,728 |
| Loan loss allowance to noncurrent loans | 127.4270% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 2.1149% | 1,467 |
| Noncurrent loans to loans | 0.8922% | 3,468 |
| Net loans and leases to total assets | 69.7574% | 2,127 |
| Net loans and leases to deposits | 85.4533% | 1,872 |
| Net loans and leases to core deposits | 100.8060% | 1,219 |
| Total domestic deposits to total assets | 81.6322% | 4,771 |
| Equity capital to assets | 10.8181% | 3,068 |
| Core capital (leverage) ratio | 9.8211% | 3,856 |
| Tier 1 risk-based capital ratio | 13.4604% | 4,611 |
| Total risk-based capital ratio | 14.5667% | 4,645 |
| Memoranda: | ||
| Average total assets | $463,476,000 | 1,451 |
| Average earning assets | $415,540,330 | 1,481 |
| Average equity | $49,136,330 | 1,460 |
| Average total loans | $335,324,330 | 1,306 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5375% | 1,684 |
| Cost of funding earning assets | 0.3782% | 4,217 |
| Net interest margin | 4.1593% | 1,321 |
| Noninterest income to average assets | 1.2228% | 738 |
| Noninterest expense to average assets | 4.4082% | 498 |
| Loan and lease loss provision to assets | -0.3296% | 6,628 |
| Net operating income to assets | 0.6206% | 4,097 |
| Return on assets (ROA) | 0.7259% | 3,642 |
| Pretax return on assets | 1.0450% | 3,151 |
| Return on Equity (ROE) | 6.9185% | 3,519 |
| Retained earnings to average equity (ytd only) | 6.9185% | 2,083 |
| Net charge-offs to loans | -0.1894% | 6,368 |
| Credit loss provision to net charge-offs | 237.5000% | 932 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1019% | 1,218 |
| Assets per employee ($millions) | 4.0702% | 3,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1333% | 4,962 |
| Loan loss allowance to noncurrent loans | 122.2813% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 2.3989% | 1,351 |
| Noncurrent loans to loans | 0.9268% | 3,565 |
| Net loans and leases to total assets | 72.2998% | 1,535 |
| Net loans and leases to deposits | 89.5668% | 1,200 |
| Net loans and leases to core deposits | 113.7739% | 471 |
| Total domestic deposits to total assets | 80.7216% | 5,308 |
| Equity capital to assets | 10.3821% | 3,359 |
| Core capital (leverage) ratio | 9.4222% | 4,386 |
| Tier 1 risk-based capital ratio | 12.6407% | 5,228 |
| Total risk-based capital ratio | 13.8086% | 5,219 |
| Memoranda: | ||
| Average total assets | $461,231,000 | 1,461 |
| Average earning assets | $415,648,500 | 1,491 |
| Average equity | $48,392,000 | 1,480 |
| Average total loans | $337,889,000 | 1,303 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6188% | 1,805 |
| Cost of funding earning assets | 0.5104% | 3,496 |
| Net interest margin | 4.1084% | 1,615 |
| Noninterest income to average assets | 2.7043% | 257 |
| Noninterest expense to average assets | 5.3340% | 275 |
| Loan and lease loss provision to assets | -0.2438% | 6,636 |
| Net operating income to assets | 0.8693% | 2,928 |
| Return on assets (ROA) | 0.9106% | 2,815 |
| Pretax return on assets | 1.3511% | 1,965 |
| Return on Equity (ROE) | 7.9964% | 3,035 |
| Retained earnings to average equity (ytd only) | 7.9964% | 1,060 |
| Net charge-offs to loans | -0.2520% | 6,648 |
| Credit loss provision to net charge-offs | 144.2390% | 1,614 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2171% | 1,722 |
| Assets per employee ($millions) | 4.2086% | 3,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 4,385 |
| Loan loss allowance to noncurrent loans | 93.6551% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 2.5693% | 1,323 |
| Noncurrent loans to loans | 1.3352% | 2,905 |
| Net loans and leases to total assets | 72.4761% | 1,602 |
| Net loans and leases to deposits | 88.6749% | 1,387 |
| Net loans and leases to core deposits | 109.7288% | 617 |
| Total domestic deposits to total assets | 81.7324% | 4,957 |
| Equity capital to assets | 10.6071% | 3,037 |
| Core capital (leverage) ratio | 10.3284% | 3,120 |
| Tier 1 risk-based capital ratio | 13.3338% | 4,761 |
| Total risk-based capital ratio | 14.5868% | 4,705 |
| Memoranda: | ||
| Average total assets | $415,895,600 | 1,586 |
| Average earning assets | $372,069,000 | 1,626 |
| Average equity | $47,358,800 | 1,482 |
| Average total loans | $278,915,000 | 1,513 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6636% | 1,706 |
| Cost of funding earning assets | 0.5449% | 3,320 |
| Net interest margin | 4.1187% | 1,576 |
| Noninterest income to average assets | 3.2255% | 217 |
| Noninterest expense to average assets | 5.5599% | 246 |
| Loan and lease loss provision to assets | -0.3761% | 6,799 |
| Net operating income to assets | 1.1348% | 1,867 |
| Return on assets (ROA) | 1.1988% | 1,712 |
| Pretax return on assets | 1.8080% | 887 |
| Return on Equity (ROE) | 10.3319% | 2,056 |
| Retained earnings to average equity (ytd only) | 10.3319% | 722 |
| Net charge-offs to loans | -0.2737% | 6,710 |
| Credit loss provision to net charge-offs | 210.4396% | 1,151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2583% | 2,056 |
| Assets per employee ($millions) | 3.4598% | 4,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3672% | 4,041 |
| Loan loss allowance to noncurrent loans | 206.2836% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 2.2518% | 1,760 |
| Noncurrent loans to loans | 0.6628% | 4,544 |
| Net loans and leases to total assets | 66.7409% | 2,511 |
| Net loans and leases to deposits | 86.3920% | 1,572 |
| Net loans and leases to core deposits | 97.7545% | 1,260 |
| Total domestic deposits to total assets | 77.2536% | 6,010 |
| Equity capital to assets | 11.4672% | 2,326 |
| Core capital (leverage) ratio | 10.8158% | 2,654 |
| Tier 1 risk-based capital ratio | 14.2900% | 4,223 |
| Total risk-based capital ratio | 15.5440% | 4,163 |
| Memoranda: | ||
| Average total assets | $407,289,250 | 1,631 |
| Average earning assets | $362,860,000 | 1,667 |
| Average equity | $47,257,000 | 1,495 |
| Average total loans | $266,016,750 | 1,575 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5578% | 2,007 |
| Cost of funding earning assets | 0.5627% | 3,283 |
| Net interest margin | 3.9951% | 1,874 |
| Noninterest income to average assets | 3.8338% | 191 |
| Noninterest expense to average assets | 5.6887% | 235 |
| Loan and lease loss provision to assets | -0.6361% | 6,891 |
| Net operating income to assets | 1.5264% | 859 |
| Return on assets (ROA) | 1.6221% | 788 |
| Pretax return on assets | 2.4934% | 276 |
| Return on Equity (ROE) | 13.9246% | 1,024 |
| Retained earnings to average equity (ytd only) | 13.9246% | 303 |
| Net charge-offs to loans | -0.3187% | 6,769 |
| Credit loss provision to net charge-offs | 309.3750% | 832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5264% | 2,706 |
| Assets per employee ($millions) | 3.6131% | 4,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3944% | 4,058 |
| Loan loss allowance to noncurrent loans | 159.5089% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 2.4010% | 1,771 |
| Noncurrent loans to loans | 0.8742% | 4,175 |
| Net loans and leases to total assets | 64.1580% | 2,886 |
| Net loans and leases to deposits | 78.5155% | 2,512 |
| Net loans and leases to core deposits | 87.3301% | 2,192 |
| Total domestic deposits to total assets | 81.7139% | 5,140 |
| Equity capital to assets | 12.0849% | 1,856 |
| Core capital (leverage) ratio | 10.8952% | 2,460 |
| Tier 1 risk-based capital ratio | 15.0108% | 3,770 |
| Total risk-based capital ratio | 16.2680% | 3,732 |
| Memoranda: | ||
| Average total assets | $404,661,000 | 1,641 |
| Average earning assets | $361,091,330 | 1,680 |
| Average equity | $47,139,670 | 1,505 |
| Average total loans | $261,045,000 | 1,596 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4730% | 2,265 |
| Cost of funding earning assets | 0.6210% | 2,914 |
| Net interest margin | 3.8520% | 2,276 |
| Noninterest income to average assets | 4.0061% | 185 |
| Noninterest expense to average assets | 5.6448% | 244 |
| Loan and lease loss provision to assets | -0.5901% | 6,969 |
| Net operating income to assets | 1.5908% | 719 |
| Return on assets (ROA) | 1.6719% | 688 |
| Pretax return on assets | 2.5293% | 258 |
| Return on Equity (ROE) | 14.6144% | 837 |
| Retained earnings to average equity (ytd only) | 14.6144% | 382 |
| Net charge-offs to loans | -0.3431% | 6,800 |
| Credit loss provision to net charge-offs | 267.6991% | 876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3040% | 3,041 |
| Assets per employee ($millions) | 4.2581% | 3,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5519% | 3,608 |
| Loan loss allowance to noncurrent loans | 120.3019% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 2.3878% | 1,947 |
| Noncurrent loans to loans | 1.2900% | 3,624 |
| Net loans and leases to total assets | 63.7492% | 2,762 |
| Net loans and leases to deposits | 75.8915% | 2,653 |
| Net loans and leases to core deposits | 83.5454% | 2,380 |
| Total domestic deposits to total assets | 84.0005% | 4,479 |
| Equity capital to assets | 11.7790% | 2,199 |
| Core capital (leverage) ratio | 10.2881% | 3,026 |
| Tier 1 risk-based capital ratio | 14.8592% | 3,933 |
| Total risk-based capital ratio | 16.1212% | 3,888 |
| Memoranda: | ||
| Average total assets | $410,077,000 | 1,636 |
| Average earning assets | $367,806,000 | 1,664 |
| Average equity | $46,912,500 | 1,533 |
| Average total loans | $263,444,500 | 1,593 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7059% | 2,569 |
| Cost of funding earning assets | 0.7836% | 2,796 |
| Net interest margin | 3.9223% | 2,734 |
| Noninterest income to average assets | 4.9854% | 146 |
| Noninterest expense to average assets | 6.7067% | 161 |
| Loan and lease loss provision to assets | -0.2704% | 7,003 |
| Net operating income to assets | 1.3101% | 1,272 |
| Return on assets (ROA) | 1.3827% | 1,241 |
| Pretax return on assets | 2.0816% | 510 |
| Return on Equity (ROE) | 13.8817% | 1,012 |
| Retained earnings to average equity (ytd only) | 13.8817% | 205 |
| Net charge-offs to loans | -0.2894% | 6,973 |
| Credit loss provision to net charge-offs | 134.2750% | 2,080 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6446% | 2,189 |
| Assets per employee ($millions) | 3.2407% | 5,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1696% | 1,604 |
| Loan loss allowance to noncurrent loans | 125.1831% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 3.1848% | 1,461 |
| Noncurrent loans to loans | 1.7331% | 3,013 |
| Net loans and leases to total assets | 65.0892% | 2,698 |
| Net loans and leases to deposits | 82.4504% | 1,941 |
| Net loans and leases to core deposits | 93.3518% | 1,517 |
| Total domestic deposits to total assets | 78.9434% | 5,904 |
| Equity capital to assets | 9.9289% | 4,271 |
| Core capital (leverage) ratio | 9.9292% | 3,500 |
| Tier 1 risk-based capital ratio | 12.8534% | 5,214 |
| Total risk-based capital ratio | 14.1275% | 5,135 |
| Memoranda: | ||
| Average total assets | $263,690,800 | 2,402 |
| Average earning assets | $230,096,200 | 2,509 |
| Average equity | $26,264,800 | 2,544 |
| Average total loans | $183,473,800 | 2,157 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8077% | 2,365 |
| Cost of funding earning assets | 0.8119% | 2,846 |
| Net interest margin | 3.9958% | 2,513 |
| Noninterest income to average assets | 4.7095% | 151 |
| Noninterest expense to average assets | 6.9007% | 153 |
| Loan and lease loss provision to assets | -0.2992% | 7,115 |
| Net operating income to assets | 1.0681% | 2,225 |
| Return on assets (ROA) | 1.2138% | 1,866 |
| Pretax return on assets | 1.8059% | 1,034 |
| Return on Equity (ROE) | 12.1743% | 1,577 |
| Retained earnings to average equity (ytd only) | 12.1743% | 505 |
| Net charge-offs to loans | -0.4970% | 7,095 |
| Credit loss provision to net charge-offs | 85.3916% | 3,451 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1614% | 1,576 |
| Assets per employee ($millions) | 2.9576% | 6,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4125% | 1,337 |
| Loan loss allowance to noncurrent loans | 87.3013% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 3.0532% | 1,704 |
| Noncurrent loans to loans | 2.7634% | 2,042 |
| Net loans and leases to total assets | 69.4591% | 2,025 |
| Net loans and leases to deposits | 88.1020% | 1,336 |
| Net loans and leases to core deposits | 98.0216% | 1,262 |
| Total domestic deposits to total assets | 78.8394% | 5,909 |
| Equity capital to assets | 10.6499% | 3,671 |
| Core capital (leverage) ratio | 9.8577% | 3,748 |
| Tier 1 risk-based capital ratio | 13.1661% | 5,118 |
| Total risk-based capital ratio | 14.4446% | 5,066 |
| Memoranda: | ||
| Average total assets | $252,646,000 | 2,532 |
| Average earning assets | $220,060,000 | 2,644 |
| Average equity | $25,189,000 | 2,663 |
| Average total loans | $178,133,750 | 2,259 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9189% | 2,031 |
| Cost of funding earning assets | 0.8225% | 3,007 |
| Net interest margin | 4.0964% | 2,111 |
| Noninterest income to average assets | 3.4563% | 212 |
| Noninterest expense to average assets | 6.1825% | 205 |
| Loan and lease loss provision to assets | 0.1411% | 3,752 |
| Net operating income to assets | 0.5026% | 4,811 |
| Return on assets (ROA) | 0.6240% | 4,503 |
| Pretax return on assets | 0.8582% | 4,242 |
| Return on Equity (ROE) | 6.4229% | 4,080 |
| Retained earnings to average equity (ytd only) | 6.4229% | 2,425 |
| Net charge-offs to loans | -0.6862% | 7,163 |
| Credit loss provision to net charge-offs | -29.2724% | 5,965 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9884% | 1,236 |
| Assets per employee ($millions) | 2.8522% | 6,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8132% | 931 |
| Loan loss allowance to noncurrent loans | 95.4827% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 3.4886% | 1,529 |
| Noncurrent loans to loans | 2.9463% | 2,021 |
| Net loans and leases to total assets | 69.4525% | 2,017 |
| Net loans and leases to deposits | 88.1160% | 1,358 |
| Net loans and leases to core deposits | 98.4545% | 1,226 |
| Total domestic deposits to total assets | 78.8194% | 5,991 |
| Equity capital to assets | 10.2468% | 3,994 |
| Core capital (leverage) ratio | 10.0537% | 3,350 |
| Tier 1 risk-based capital ratio | 12.5470% | 5,538 |
| Total risk-based capital ratio | 13.8295% | 5,496 |
| Memoranda: | ||
| Average total assets | $245,176,670 | 2,600 |
| Average earning assets | $213,015,670 | 2,722 |
| Average equity | $23,821,000 | 2,787 |
| Average total loans | $172,254,000 | 2,326 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0569% | 1,701 |
| Cost of funding earning assets | 0.8349% | 3,185 |
| Net interest margin | 4.2220% | 1,698 |
| Noninterest income to average assets | 3.1783% | 218 |
| Noninterest expense to average assets | 6.9898% | 145 |
| Loan and lease loss provision to assets | 0.8335% | 569 |
| Net operating income to assets | -0.5382% | 6,848 |
| Return on assets (ROA) | -0.3663% | 6,788 |
| Pretax return on assets | -0.7240% | 6,906 |
| Return on Equity (ROE) | -3.8917% | 6,800 |
| Retained earnings to average equity (ytd only) | -3.8917% | 6,480 |
| Net charge-offs to loans | -0.4970% | 7,149 |
| Credit loss provision to net charge-offs | -241.0891% | 5,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.1548% | 492 |
| Assets per employee ($millions) | 2.5203% | 6,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1051% | 758 |
| Loan loss allowance to noncurrent loans | 92.3545% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 4.0404% | 1,357 |
| Noncurrent loans to loans | 3.3622% | 1,887 |
| Net loans and leases to total assets | 69.2695% | 1,895 |
| Net loans and leases to deposits | 90.4729% | 922 |
| Net loans and leases to core deposits | 96.5306% | 1,252 |
| Total domestic deposits to total assets | 76.5638% | 6,476 |
| Equity capital to assets | 9.5814% | 4,677 |
| Core capital (leverage) ratio | 9.0129% | 4,822 |
| Tier 1 risk-based capital ratio | 10.7572% | 6,642 |
| Total risk-based capital ratio | 12.0395% | 6,617 |
| Memoranda: | ||
| Average total assets | $233,713,000 | 2,732 |
| Average earning assets | $202,178,000 | 2,871 |
| Average equity | $21,995,500 | 2,980 |
| Average total loans | $162,583,500 | 2,445 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1238% | 2,361 |
| Cost of funding earning assets | 1.0195% | 3,241 |
| Net interest margin | 4.1043% | 2,408 |
| Noninterest income to average assets | 1.4154% | 647 |
| Noninterest expense to average assets | 4.8481% | 437 |
| Loan and lease loss provision to assets | 2.8178% | 139 |
| Net operating income to assets | -1.6084% | 6,934 |
| Return on assets (ROA) | -1.3621% | 6,893 |
| Pretax return on assets | -2.3037% | 7,087 |
| Return on Equity (ROE) | -13.5476% | 6,852 |
| Retained earnings to average equity (ytd only) | -13.5476% | 6,827 |
| Net charge-offs to loans | 5.1466% | 75 |
| Credit loss provision to net charge-offs | 89.0432% | 4,051 |
| Earnings coverage of net charge-offs (x) | 0.0408% | 5,791 |
| Efficiency ratio | 96.9227% | 773 |
| Assets per employee ($millions) | 2.7469% | 6,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0039% | 812 |
| Loan loss allowance to noncurrent loans | 58.3575% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 4.7813% | 1,136 |
| Noncurrent loans to loans | 5.1475% | 1,081 |
| Net loans and leases to total assets | 65.5160% | 2,876 |
| Net loans and leases to deposits | 84.1741% | 1,901 |
| Net loans and leases to core deposits | 90.1053% | 2,117 |
| Total domestic deposits to total assets | 77.8340% | 6,227 |
| Equity capital to assets | 9.2327% | 5,237 |
| Core capital (leverage) ratio | 8.5042% | 5,554 |
| Tier 1 risk-based capital ratio | 10.8179% | 6,549 |
| Total risk-based capital ratio | 12.1007% | 6,514 |
| Memoranda: | ||
| Average total assets | $225,243,200 | 2,781 |
| Average earning assets | $195,479,400 | 2,908 |
| Average equity | $22,646,000 | 2,821 |
| Average total loans | $138,499,800 | 2,821 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2289% | 2,097 |
| Cost of funding earning assets | 1.0430% | 3,368 |
| Net interest margin | 4.1858% | 2,159 |
| Noninterest income to average assets | 1.2552% | 818 |
| Noninterest expense to average assets | 4.4193% | 620 |
| Loan and lease loss provision to assets | 2.7508% | 139 |
| Net operating income to assets | -1.3540% | 7,002 |
| Return on assets (ROA) | -1.1085% | 6,950 |
| Pretax return on assets | -1.8976% | 7,103 |
| Return on Equity (ROE) | -10.8018% | 6,915 |
| Retained earnings to average equity (ytd only) | -10.8018% | 6,882 |
| Net charge-offs to loans | 4.4072% | 130 |
| Credit loss provision to net charge-offs | 104.1124% | 3,203 |
| Earnings coverage of net charge-offs (x) | 0.1778% | 5,466 |
| Efficiency ratio | 89.8834% | 1,172 |
| Assets per employee ($millions) | 3.8186% | 4,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9927% | 393 |
| Loan loss allowance to noncurrent loans | 51.7066% | 4,903 |
| Noncurrent assets plus other real estate owned to assets | 5.8149% | 937 |
| Noncurrent loans to loans | 7.7219% | 592 |
| Net loans and leases to total assets | 60.6887% | 4,009 |
| Net loans and leases to deposits | 74.9367% | 3,515 |
| Net loans and leases to core deposits | 80.3373% | 3,587 |
| Total domestic deposits to total assets | 80.9866% | 5,434 |
| Equity capital to assets | 10.1887% | 4,103 |
| Core capital (leverage) ratio | 9.1674% | 4,678 |
| Tier 1 risk-based capital ratio | 12.2402% | 5,714 |
| Total risk-based capital ratio | 13.5330% | 5,665 |
| Memoranda: | ||
| Average total assets | $224,555,750 | 2,795 |
| Average earning assets | $194,939,000 | 2,926 |
| Average equity | $23,045,000 | 2,773 |
| Average total loans | $134,625,250 | 2,928 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3597% | 1,690 |
| Cost of funding earning assets | 1.0677% | 3,493 |
| Net interest margin | 4.2921% | 1,697 |
| Noninterest income to average assets | 1.1916% | 910 |
| Noninterest expense to average assets | 4.4046% | 666 |
| Loan and lease loss provision to assets | 2.5756% | 201 |
| Net operating income to assets | -1.2226% | 7,009 |
| Return on assets (ROA) | -0.8033% | 6,881 |
| Pretax return on assets | -1.4088% | 7,033 |
| Return on Equity (ROE) | -7.8088% | 6,859 |
| Retained earnings to average equity (ytd only) | -7.8088% | 6,765 |
| Net charge-offs to loans | 4.2309% | 177 |
| Credit loss provision to net charge-offs | 103.3808% | 2,990 |
| Earnings coverage of net charge-offs (x) | 0.2053% | 5,159 |
| Efficiency ratio | 89.0352% | 1,320 |
| Assets per employee ($millions) | 3.8973% | 3,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9782% | 422 |
| Loan loss allowance to noncurrent loans | 135.7178% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 3.3226% | 1,998 |
| Noncurrent loans to loans | 2.9312% | 2,485 |
| Net loans and leases to total assets | 59.7813% | 4,313 |
| Net loans and leases to deposits | 73.8266% | 3,830 |
| Net loans and leases to core deposits | 79.1262% | 3,911 |
| Total domestic deposits to total assets | 80.9753% | 5,536 |
| Equity capital to assets | 10.4358% | 3,594 |
| Core capital (leverage) ratio | 9.5208% | 3,926 |
| Tier 1 risk-based capital ratio | 12.8200% | 5,077 |
| Total risk-based capital ratio | 14.1066% | 5,013 |
| Memoranda: | ||
| Average total assets | $225,580,670 | 2,801 |
| Average earning assets | $195,756,000 | 2,926 |
| Average equity | $23,204,670 | 2,743 |
| Average total loans | $132,832,330 | 2,985 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1313% | 2,507 |
| Cost of funding earning assets | 1.0712% | 3,712 |
| Net interest margin | 4.0601% | 2,430 |
| Noninterest income to average assets | 0.7585% | 2,225 |
| Noninterest expense to average assets | 4.9257% | 390 |
| Loan and lease loss provision to assets | 3.9121% | 106 |
| Net operating income to assets | -2.7906% | 7,377 |
| Return on assets (ROA) | -2.5552% | 7,349 |
| Pretax return on assets | -4.1831% | 7,443 |
| Return on Equity (ROE) | -25.0178% | 7,278 |
| Retained earnings to average equity (ytd only) | -25.0178% | 7,241 |
| Net charge-offs to loans | 4.9594% | 153 |
| Credit loss provision to net charge-offs | 137.8177% | 2,034 |
| Earnings coverage of net charge-offs (x) | -0.2250% | 4,706 |
| Efficiency ratio | 114.2447% | 424 |
| Assets per employee ($millions) | 4.0530% | 3,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4611% | 295 |
| Loan loss allowance to noncurrent loans | 86.4636% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 4.3550% | 1,500 |
| Noncurrent loans to loans | 5.1596% | 1,297 |
| Net loans and leases to total assets | 55.7783% | 5,027 |
| Net loans and leases to deposits | 68.3907% | 4,625 |
| Net loans and leases to core deposits | 73.0887% | 4,639 |
| Total domestic deposits to total assets | 81.5583% | 5,475 |
| Equity capital to assets | 9.6870% | 4,193 |
| Core capital (leverage) ratio | 9.2720% | 4,167 |
| Tier 1 risk-based capital ratio | 12.6742% | 5,093 |
| Total risk-based capital ratio | 13.9630% | 5,029 |
| Memoranda: | ||
| Average total assets | $227,297,000 | 2,797 |
| Average earning assets | $197,532,500 | 2,918 |
| Average equity | $23,215,500 | 2,725 |
| Average total loans | $130,096,000 | 3,062 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0122% | 4,499 |
| Cost of funding earning assets | 1.3980% | 3,281 |
| Net interest margin | 3.6142% | 4,747 |
| Noninterest income to average assets | 0.9562% | 1,650 |
| Noninterest expense to average assets | 3.4638% | 2,263 |
| Loan and lease loss provision to assets | 4.4433% | 114 |
| Net operating income to assets | -2.3106% | 7,140 |
| Return on assets (ROA) | -2.0106% | 7,071 |
| Pretax return on assets | -3.2878% | 7,337 |
| Return on Equity (ROE) | -23.5223% | 7,100 |
| Retained earnings to average equity (ytd only) | -23.5223% | 7,078 |
| Net charge-offs to loans | 7.3851% | 46 |
| Credit loss provision to net charge-offs | 116.3548% | 3,697 |
| Earnings coverage of net charge-offs (x) | 0.1799% | 5,926 |
| Efficiency ratio | 82.7658% | 2,073 |
| Assets per employee ($millions) | 4.2995% | 3,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3147% | 304 |
| Loan loss allowance to noncurrent loans | 61.4641% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 5.2618% | 1,184 |
| Noncurrent loans to loans | 7.0199% | 802 |
| Net loans and leases to total assets | 53.6328% | 5,684 |
| Net loans and leases to deposits | 65.4247% | 5,463 |
| Net loans and leases to core deposits | 69.9700% | 5,445 |
| Total domestic deposits to total assets | 81.9764% | 5,197 |
| Equity capital to assets | 10.7580% | 2,896 |
| Core capital (leverage) ratio | 9.4517% | 3,764 |
| Tier 1 risk-based capital ratio | 14.3752% | 3,630 |
| Total risk-based capital ratio | 15.6654% | 3,559 |
| Memoranda: | ||
| Average total assets | $253,302,200 | 2,515 |
| Average earning assets | $223,891,600 | 2,586 |
| Average equity | $21,651,800 | 2,920 |
| Average total loans | $130,979,800 | 3,106 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0165% | 4,735 |
| Cost of funding earning assets | 1.4514% | 3,268 |
| Net interest margin | 3.5651% | 5,038 |
| Noninterest income to average assets | 1.0018% | 1,461 |
| Noninterest expense to average assets | 3.2753% | 2,658 |
| Loan and lease loss provision to assets | 5.2236% | 78 |
| Net operating income to assets | -2.5998% | 7,373 |
| Return on assets (ROA) | -2.4862% | 7,360 |
| Pretax return on assets | -4.1569% | 7,581 |
| Return on Equity (ROE) | -30.7932% | 7,401 |
| Retained earnings to average equity (ytd only) | -30.7932% | 7,393 |
| Net charge-offs to loans | 8.1833% | 41 |
| Credit loss provision to net charge-offs | 125.7076% | 3,255 |
| Earnings coverage of net charge-offs (x) | 0.2140% | 5,798 |
| Efficiency ratio | 77.9592% | 2,628 |
| Assets per employee ($millions) | 4.7405% | 2,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5349% | 243 |
| Loan loss allowance to noncurrent loans | 102.7266% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 2.7750% | 2,611 |
| Noncurrent loans to loans | 4.4146% | 1,647 |
| Net loans and leases to total assets | 49.5600% | 6,369 |
| Net loans and leases to deposits | 60.8400% | 6,238 |
| Net loans and leases to core deposits | 67.6907% | 5,978 |
| Total domestic deposits to total assets | 81.4595% | 5,215 |
| Equity capital to assets | 9.7077% | 4,537 |
| Core capital (leverage) ratio | 8.5726% | 5,382 |
| Tier 1 risk-based capital ratio | 13.4778% | 4,222 |
| Total risk-based capital ratio | 14.7712% | 4,138 |
| Memoranda: | ||
| Average total assets | $260,734,250 | 2,478 |
| Average earning assets | $231,312,500 | 2,547 |
| Average equity | $21,051,750 | 3,044 |
| Average total loans | $132,395,750 | 3,136 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9873% | 4,998 |
| Cost of funding earning assets | 1.5285% | 3,085 |
| Net interest margin | 3.4588% | 5,408 |
| Noninterest income to average assets | 0.9921% | 1,399 |
| Noninterest expense to average assets | 3.1823% | 2,968 |
| Loan and lease loss provision to assets | 7.1634% | 45 |
| Net operating income to assets | -3.7952% | 7,603 |
| Return on assets (ROA) | -3.7166% | 7,603 |
| Pretax return on assets | -6.1577% | 7,735 |
| Return on Equity (ROE) | -49.1900% | 7,603 |
| Retained earnings to average equity (ytd only) | -49.1900% | 7,598 |
| Net charge-offs to loans | 8.0661% | 59 |
| Credit loss provision to net charge-offs | 176.1461% | 2,225 |
| Earnings coverage of net charge-offs (x) | 0.2171% | 5,509 |
| Efficiency ratio | 77.5541% | 2,802 |
| Assets per employee ($millions) | 5.2149% | 1,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1123% | 100 |
| Loan loss allowance to noncurrent loans | 153.2146% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 2.3816% | 3,027 |
| Noncurrent loans to loans | 3.9894% | 1,899 |
| Net loans and leases to total assets | 45.6954% | 6,794 |
| Net loans and leases to deposits | 52.8658% | 6,930 |
| Net loans and leases to core deposits | 58.4573% | 6,801 |
| Total domestic deposits to total assets | 86.4366% | 2,854 |
| Equity capital to assets | 7.3241% | 7,212 |
| Core capital (leverage) ratio | 6.3680% | 7,412 |
| Tier 1 risk-based capital ratio | 10.5854% | 6,620 |
| Total risk-based capital ratio | 11.8911% | 6,570 |
| Memoranda: | ||
| Average total assets | $263,897,330 | 2,475 |
| Average earning assets | $234,476,670 | 2,548 |
| Average equity | $19,939,000 | 3,182 |
| Average total loans | $133,050,330 | 3,153 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9958% | 5,040 |
| Cost of funding earning assets | 1.5905% | 3,018 |
| Net interest margin | 3.4053% | 5,562 |
| Noninterest income to average assets | 0.9024% | 1,612 |
| Noninterest expense to average assets | 3.4101% | 2,203 |
| Loan and lease loss provision to assets | 7.9858% | 59 |
| Net operating income to assets | -4.5327% | 7,752 |
| Return on assets (ROA) | -4.4129% | 7,749 |
| Pretax return on assets | -7.2797% | 7,842 |
| Return on Equity (ROE) | -57.5140% | 7,738 |
| Retained earnings to average equity (ytd only) | -57.5140% | 7,729 |
| Net charge-offs to loans | 5.9857% | 178 |
| Credit loss provision to net charge-offs | 260.0595% | 1,501 |
| Earnings coverage of net charge-offs (x) | 0.1690% | 4,884 |
| Efficiency ratio | 85.9799% | 1,797 |
| Assets per employee ($millions) | 5.3491% | 1,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3818% | 136 |
| Loan loss allowance to noncurrent loans | 143.3564% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 2.0591% | 3,433 |
| Noncurrent loans to loans | 3.7542% | 2,114 |
| Net loans and leases to total assets | 46.3827% | 6,807 |
| Net loans and leases to deposits | 53.7725% | 6,931 |
| Net loans and leases to core deposits | 59.6003% | 6,778 |
| Total domestic deposits to total assets | 86.2574% | 3,003 |
| Equity capital to assets | 7.5310% | 7,048 |
| Core capital (leverage) ratio | 7.3531% | 6,984 |
| Tier 1 risk-based capital ratio | 11.2145% | 5,941 |
| Total risk-based capital ratio | 12.5187% | 5,842 |
| Memoranda: | ||
| Average total assets | $262,866,500 | 2,540 |
| Average earning assets | $233,636,000 | 2,605 |
| Average equity | $20,169,000 | 3,182 |
| Average total loans | $134,854,000 | 3,163 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6176% | 3,511 |
| Cost of funding earning assets | 2.1967% | 2,051 |
| Net interest margin | 3.4209% | 5,286 |
| Noninterest income to average assets | 0.6390% | 3,362 |
| Noninterest expense to average assets | 6.0056% | 310 |
| Loan and lease loss provision to assets | 3.1828% | 518 |
| Net operating income to assets | -4.2059% | 7,639 |
| Return on assets (ROA) | -4.1554% | 7,629 |
| Pretax return on assets | -5.5419% | 7,765 |
| Return on Equity (ROE) | -41.5830% | 7,592 |
| Retained earnings to average equity (ytd only) | -41.5830% | 7,578 |
| Net charge-offs to loans | 4.5390% | 321 |
| Credit loss provision to net charge-offs | 123.7318% | 4,257 |
| Earnings coverage of net charge-offs (x) | -0.9432% | 6,872 |
| Efficiency ratio | 108.1577% | 838 |
| Assets per employee ($millions) | 5.8700% | 1,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7605% | 967 |
| Loan loss allowance to noncurrent loans | 74.1760% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 2.2367% | 3,085 |
| Noncurrent loans to loans | 3.7215% | 2,021 |
| Net loans and leases to total assets | 52.1814% | 6,404 |
| Net loans and leases to deposits | 66.4792% | 6,002 |
| Net loans and leases to core deposits | 74.1711% | 6,523 |
| Total domestic deposits to total assets | 78.4927% | 6,120 |
| Equity capital to assets | 7.8194% | 6,747 |
| Core capital (leverage) ratio | 6.9844% | 7,251 |
| Tier 1 risk-based capital ratio | 10.2598% | 6,628 |
| Total risk-based capital ratio | 11.5389% | 6,568 |
| Memoranda: | ||
| Average total assets | $245,222,400 | 2,660 |
| Average earning assets | $210,766,200 | 2,830 |
| Average equity | $24,505,200 | 2,659 |
| Average total loans | $138,972,800 | 3,105 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6168% | 3,762 |
| Cost of funding earning assets | 2.2691% | 2,112 |
| Net interest margin | 3.3477% | 5,451 |
| Noninterest income to average assets | 0.3196% | 5,924 |
| Noninterest expense to average assets | 4.1830% | 1,051 |
| Loan and lease loss provision to assets | 3.7135% | 345 |
| Net operating income to assets | -2.8531% | 7,559 |
| Return on assets (ROA) | -2.7949% | 7,543 |
| Pretax return on assets | -4.6365% | 7,770 |
| Return on Equity (ROE) | -26.4341% | 7,538 |
| Retained earnings to average equity (ytd only) | -26.4341% | 7,520 |
| Net charge-offs to loans | 4.4946% | 283 |
| Credit loss provision to net charge-offs | 143.7500% | 3,400 |
| Earnings coverage of net charge-offs (x) | -0.3925% | 6,422 |
| Efficiency ratio | 130.8294% | 465 |
| Assets per employee ($millions) | 6.5512% | 963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0731% | 632 |
| Loan loss allowance to noncurrent loans | 65.9241% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 3.0298% | 2,287 |
| Noncurrent loans to loans | 4.6616% | 1,477 |
| Net loans and leases to total assets | 51.4319% | 6,662 |
| Net loans and leases to deposits | 64.2265% | 6,471 |
| Net loans and leases to core deposits | 75.1226% | 6,660 |
| Total domestic deposits to total assets | 80.0789% | 5,402 |
| Equity capital to assets | 9.4345% | 4,831 |
| Core capital (leverage) ratio | 7.2435% | 7,230 |
| Tier 1 risk-based capital ratio | 10.1776% | 6,808 |
| Total risk-based capital ratio | 11.4551% | 6,714 |
| Memoranda: | ||
| Average total assets | $241,958,000 | 2,715 |
| Average earning assets | $205,946,750 | 2,909 |
| Average equity | $25,582,500 | 2,581 |
| Average total loans | $139,066,000 | 3,138 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6503% | 3,813 |
| Cost of funding earning assets | 2.2840% | 2,429 |
| Net interest margin | 3.3663% | 5,296 |
| Noninterest income to average assets | 0.0395% | 7,791 |
| Noninterest expense to average assets | 4.4689% | 796 |
| Loan and lease loss provision to assets | 3.9695% | 315 |
| Net operating income to assets | -3.3685% | 7,738 |
| Return on assets (ROA) | -3.2993% | 7,726 |
| Pretax return on assets | -5.4591% | 7,917 |
| Return on Equity (ROE) | -29.9653% | 7,703 |
| Retained earnings to average equity (ytd only) | -29.9653% | 7,680 |
| Net charge-offs to loans | 6.4316% | 154 |
| Credit loss provision to net charge-offs | 104.3067% | 4,405 |
| Earnings coverage of net charge-offs (x) | -0.4198% | 6,027 |
| Efficiency ratio | 154.3335% | 350 |
| Assets per employee ($millions) | 5.7173% | 1,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8616% | 1,882 |
| Loan loss allowance to noncurrent loans | 43.4034% | 5,471 |
| Noncurrent assets plus other real estate owned to assets | 2.3080% | 2,821 |
| Noncurrent loans to loans | 4.2890% | 1,530 |
| Net loans and leases to total assets | 52.8100% | 6,588 |
| Net loans and leases to deposits | 66.9914% | 6,293 |
| Net loans and leases to core deposits | 80.3379% | 6,379 |
| Total domestic deposits to total assets | 78.8311% | 5,854 |
| Equity capital to assets | 10.2587% | 3,658 |
| Core capital (leverage) ratio | 8.0964% | 6,171 |
| Tier 1 risk-based capital ratio | 10.9833% | 5,889 |
| Total risk-based capital ratio | 12.2478% | 5,810 |
| Memoranda: | ||
| Average total assets | $233,077,330 | 2,824 |
| Average earning assets | $196,062,000 | 3,059 |
| Average equity | $25,663,000 | 2,587 |
| Average total loans | $137,912,670 | 3,182 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9208% | 2,694 |
| Cost of funding earning assets | 2.2268% | 3,028 |
| Net interest margin | 3.6940% | 3,915 |
| Noninterest income to average assets | 0.8792% | 1,935 |
| Noninterest expense to average assets | 4.5909% | 654 |
| Loan and lease loss provision to assets | 7.4805% | 81 |
| Net operating income to assets | -4.9602% | 8,038 |
| Return on assets (ROA) | -4.8160% | 8,020 |
| Pretax return on assets | -7.9255% | 8,108 |
| Return on Equity (ROE) | -42.1242% | 8,007 |
| Retained earnings to average equity (ytd only) | -42.1242% | 7,987 |
| Net charge-offs to loans | 7.4204% | 106 |
| Credit loss provision to net charge-offs | 162.1224% | 2,623 |
| Earnings coverage of net charge-offs (x) | -0.1452% | 5,107 |
| Efficiency ratio | 116.0893% | 689 |
| Assets per employee ($millions) | 4.1425% | 3,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8367% | 561 |
| Loan loss allowance to noncurrent loans | 75.1433% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 4.9838% | 905 |
| Noncurrent loans to loans | 3.7751% | 1,632 |
| Net loans and leases to total assets | 59.1266% | 5,791 |
| Net loans and leases to deposits | 76.3715% | 5,167 |
| Net loans and leases to core deposits | 88.7479% | 5,675 |
| Total domestic deposits to total assets | 77.4197% | 6,175 |
| Equity capital to assets | 10.7492% | 3,234 |
| Core capital (leverage) ratio | 8.9006% | 4,861 |
| Tier 1 risk-based capital ratio | 10.5692% | 6,321 |
| Total risk-based capital ratio | 11.8379% | 6,224 |
| Memoranda: | ||
| Average total assets | $223,835,000 | 2,947 |
| Average earning assets | $184,300,500 | 3,233 |
| Average equity | $25,591,000 | 2,600 |
| Average total loans | $139,184,000 | 3,182 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5272% | 2,829 |
| Cost of funding earning assets | 2.7301% | 3,020 |
| Net interest margin | 3.7971% | 4,037 |
| Noninterest income to average assets | 1.1331% | 1,215 |
| Noninterest expense to average assets | 4.5376% | 861 |
| Loan and lease loss provision to assets | 2.7242% | 361 |
| Net operating income to assets | -1.7730% | 7,549 |
| Return on assets (ROA) | -1.7464% | 7,495 |
| Pretax return on assets | -2.9022% | 7,684 |
| Return on Equity (ROE) | -13.2067% | 7,506 |
| Retained earnings to average equity (ytd only) | -13.2067% | 7,349 |
| Net charge-offs to loans | 4.9909% | 102 |
| Credit loss provision to net charge-offs | 82.4990% | 5,851 |
| Earnings coverage of net charge-offs (x) | -0.0665% | 6,296 |
| Efficiency ratio | 104.1221% | 865 |
| Assets per employee ($millions) | 3.8567% | 3,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6669% | 2,010 |
| Loan loss allowance to noncurrent loans | 28.1382% | 6,824 |
| Noncurrent assets plus other real estate owned to assets | 5.6835% | 551 |
| Noncurrent loans to loans | 5.9239% | 615 |
| Net loans and leases to total assets | 62.4992% | 5,536 |
| Net loans and leases to deposits | 88.1232% | 3,787 |
| Net loans and leases to core deposits | 95.1297% | 5,335 |
| Total domestic deposits to total assets | 70.9225% | 7,169 |
| Equity capital to assets | 12.1417% | 2,196 |
| Core capital (leverage) ratio | 10.2786% | 3,189 |
| Tier 1 risk-based capital ratio | 11.9841% | 4,839 |
| Total risk-based capital ratio | 13.2387% | 4,720 |
| Memoranda: | ||
| Average total assets | $220,801,400 | 2,868 |
| Average earning assets | $185,195,200 | 3,114 |
| Average equity | $29,197,200 | 2,316 |
| Average total loans | $146,087,200 | 2,992 |