Home > Artisans' Bank > Performance and Condition Ratios
Artisans' Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1388% | 2,849 |
| Cost of funding earning assets | 2.1037% | 1,651 |
| Net interest margin | 3.0351% | 3,326 |
| Noninterest income to average assets | 0.3100% | 2,795 |
| Noninterest expense to average assets | 2.7973% | 1,528 |
| Loan and lease loss provision to assets | -0.0200% | 4,187 |
| Net operating income to assets | 0.2918% | 3,869 |
| Return on assets (ROA) | 0.2918% | 3,897 |
| Pretax return on assets | 0.3805% | 3,854 |
| Return on Equity (ROE) | 3.4100% | 3,797 |
| Retained earnings to average equity (ytd only) | 3.4071% | 2,993 |
| Net charge-offs to loans | 0.0072% | 1,976 |
| Credit loss provision to net charge-offs | -255.5556% | 4,403 |
| Earnings coverage of net charge-offs (x) | 69.3333% | 848 |
| Efficiency ratio | 88.6214% | 550 |
| Assets per employee ($millions) | 5.7873% | 3,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9814% | 3,329 |
| Loan loss allowance to noncurrent loans | 281.9229% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.2501% | 2,289 |
| Noncurrent loans to loans | 0.3481% | 2,258 |
| Net loans and leases to total assets | 71.1400% | 1,711 |
| Net loans and leases to deposits | 78.9799% | 2,146 |
| Net loans and leases to core deposits | 85.9406% | 2,331 |
| Total domestic deposits to total assets | 90.0800% | 792 |
| Equity capital to assets | 8.7486% | 3,124 |
| Core capital (leverage) ratio | 9.9800% | 2,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7029% | 1,973 |
| Memoranda: | ||
| Average total assets | $694,945,000 | 1,369 |
| Average earning assets | $651,980,500 | 1,355 |
| Average equity | $59,523,000 | 1,555 |
| Average total loans | $503,286,500 | 1,306 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1276% | 2,872 |
| Cost of funding earning assets | 2.0461% | 2,118 |
| Net interest margin | 3.0815% | 2,982 |
| Noninterest income to average assets | 0.3700% | 2,639 |
| Noninterest expense to average assets | 2.7234% | 1,696 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 0.3905% | 3,695 |
| Return on assets (ROA) | 0.3905% | 3,722 |
| Pretax return on assets | 0.5091% | 3,630 |
| Return on Equity (ROE) | 4.7100% | 3,567 |
| Retained earnings to average equity (ytd only) | 4.7072% | 2,353 |
| Net charge-offs to loans | 0.0050% | 2,761 |
| Credit loss provision to net charge-offs | 628.0000% | 535 |
| Earnings coverage of net charge-offs (x) | 146.2800% | 631 |
| Efficiency ratio | 83.6141% | 820 |
| Assets per employee ($millions) | 5.7001% | 3,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9710% | 3,376 |
| Loan loss allowance to noncurrent loans | 307.6779% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.2304% | 2,354 |
| Noncurrent loans to loans | 0.3156% | 2,321 |
| Net loans and leases to total assets | 72.2800% | 1,637 |
| Net loans and leases to deposits | 81.5394% | 1,993 |
| Net loans and leases to core deposits | 88.8927% | 2,191 |
| Total domestic deposits to total assets | 88.6500% | 1,282 |
| Equity capital to assets | 8.3819% | 3,294 |
| Core capital (leverage) ratio | 9.9810% | 2,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3414% | 2,102 |
| Memoranda: | ||
| Average total assets | $685,197,400 | 1,364 |
| Average earning assets | $641,702,200 | 1,348 |
| Average equity | $56,849,400 | 1,560 |
| Average total loans | $496,040,800 | 1,300 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1040% | 2,852 |
| Cost of funding earning assets | 1.9909% | 2,243 |
| Net interest margin | 3.1131% | 2,866 |
| Noninterest income to average assets | 0.3700% | 2,610 |
| Noninterest expense to average assets | 2.7358% | 1,599 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 0.4022% | 3,677 |
| Return on assets (ROA) | 0.4022% | 3,705 |
| Pretax return on assets | 0.5240% | 3,609 |
| Return on Equity (ROE) | 4.8600% | 3,567 |
| Retained earnings to average equity (ytd only) | 4.8598% | 2,524 |
| Net charge-offs to loans | 0.0014% | 2,757 |
| Credit loss provision to net charge-offs | 2,480.0000% | 191 |
| Earnings coverage of net charge-offs (x) | 563.0000% | 222 |
| Efficiency ratio | 83.2660% | 862 |
| Assets per employee ($millions) | 5.6988% | 3,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9844% | 3,321 |
| Loan loss allowance to noncurrent loans | 126.2455% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.5647% | 1,274 |
| Noncurrent loans to loans | 0.7798% | 1,271 |
| Net loans and leases to total assets | 71.7100% | 1,641 |
| Net loans and leases to deposits | 82.3313% | 1,949 |
| Net loans and leases to core deposits | 89.4311% | 2,184 |
| Total domestic deposits to total assets | 87.1000% | 1,560 |
| Equity capital to assets | 8.7324% | 3,229 |
| Core capital (leverage) ratio | 9.9673% | 2,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3275% | 2,145 |
| Memoranda: | ||
| Average total assets | $682,642,750 | 1,358 |
| Average earning assets | $639,168,750 | 1,348 |
| Average equity | $56,489,500 | 1,560 |
| Average total loans | $493,152,000 | 1,297 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0450% | 2,870 |
| Cost of funding earning assets | 1.9079% | 2,343 |
| Net interest margin | 3.1372% | 2,779 |
| Noninterest income to average assets | 0.3800% | 2,498 |
| Noninterest expense to average assets | 2.7524% | 1,561 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 0.3966% | 3,668 |
| Return on assets (ROA) | 0.3966% | 3,707 |
| Pretax return on assets | 0.5159% | 3,599 |
| Return on Equity (ROE) | 4.8800% | 3,545 |
| Retained earnings to average equity (ytd only) | 4.8834% | 2,375 |
| Net charge-offs to loans | 0.0012% | 2,547 |
| Credit loss provision to net charge-offs | 5,766.6667% | 91 |
| Earnings coverage of net charge-offs (x) | 644.6667% | 188 |
| Efficiency ratio | 82.8804% | 931 |
| Assets per employee ($millions) | 5.7108% | 3,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9946% | 3,314 |
| Loan loss allowance to noncurrent loans | 110.3042% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 0.6571% | 1,026 |
| Noncurrent loans to loans | 0.9017% | 1,046 |
| Net loans and leases to total assets | 72.1500% | 1,628 |
| Net loans and leases to deposits | 80.5827% | 2,150 |
| Net loans and leases to core deposits | 87.3722% | 2,321 |
| Total domestic deposits to total assets | 89.5400% | 832 |
| Equity capital to assets | 8.1366% | 3,345 |
| Core capital (leverage) ratio | 9.9140% | 2,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0661% | 2,232 |
| Memoranda: | ||
| Average total assets | $680,340,667 | 1,360 |
| Average earning assets | $636,941,333 | 1,346 |
| Average equity | $55,248,000 | 1,568 |
| Average total loans | $491,077,000 | 1,305 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9614% | 2,859 |
| Cost of funding earning assets | 1.8209% | 2,444 |
| Net interest margin | 3.1405% | 2,694 |
| Noninterest income to average assets | 0.4100% | 2,241 |
| Noninterest expense to average assets | 2.7787% | 1,516 |
| Loan and lease loss provision to assets | 0.0100% | 2,366 |
| Net operating income to assets | 0.4255% | 3,551 |
| Return on assets (ROA) | 0.4255% | 3,569 |
| Pretax return on assets | 0.5594% | 3,466 |
| Return on Equity (ROE) | 5.2400% | 3,399 |
| Retained earnings to average equity (ytd only) | 5.2444% | 2,330 |
| Net charge-offs to loans | -0.0008% | 3,429 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 83.0365% | 980 |
| Assets per employee ($millions) | 5.5531% | 3,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9809% | 3,390 |
| Loan loss allowance to noncurrent loans | 239.3728% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.2941% | 1,940 |
| Noncurrent loans to loans | 0.4098% | 1,907 |
| Net loans and leases to total assets | 71.0700% | 1,678 |
| Net loans and leases to deposits | 79.0144% | 2,141 |
| Net loans and leases to core deposits | 85.4311% | 2,343 |
| Total domestic deposits to total assets | 89.9500% | 811 |
| Equity capital to assets | 8.0626% | 3,326 |
| Core capital (leverage) ratio | 9.9324% | 2,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0710% | 2,216 |
| Memoranda: | ||
| Average total assets | $677,862,000 | 1,369 |
| Average earning assets | $634,420,000 | 1,357 |
| Average equity | $54,992,000 | 1,563 |
| Average total loans | $486,907,000 | 1,309 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7883% | 2,497 |
| Cost of funding earning assets | 1.2606% | 2,629 |
| Net interest margin | 3.5277% | 2,126 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.6932% | 1,753 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.7240% | 3,120 |
| Return on assets (ROA) | 0.7240% | 3,101 |
| Pretax return on assets | 0.9557% | 2,795 |
| Return on Equity (ROE) | 9.5700% | 2,620 |
| Retained earnings to average equity (ytd only) | 9.5707% | 1,121 |
| Net charge-offs to loans | 0.0042% | 2,579 |
| Credit loss provision to net charge-offs | -340.0000% | 4,524 |
| Earnings coverage of net charge-offs (x) | 317.4500% | 416 |
| Efficiency ratio | 74.0136% | 1,459 |
| Assets per employee ($millions) | 5.2968% | 3,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9921% | 3,360 |
| Loan loss allowance to noncurrent loans | 225.8475% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 0.3157% | 1,684 |
| Noncurrent loans to loans | 0.4393% | 1,678 |
| Net loans and leases to total assets | 71.1700% | 1,676 |
| Net loans and leases to deposits | 79.2604% | 2,164 |
| Net loans and leases to core deposits | 85.6566% | 2,327 |
| Total domestic deposits to total assets | 89.7900% | 814 |
| Equity capital to assets | 8.1633% | 3,302 |
| Core capital (leverage) ratio | 9.8350% | 2,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2440% | 2,156 |
| Memoranda: | ||
| Average total assets | $671,429,800 | 1,351 |
| Average earning assets | $627,295,800 | 1,329 |
| Average equity | $50,790,600 | 1,589 |
| Average total loans | $475,287,600 | 1,286 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7311% | 2,405 |
| Cost of funding earning assets | 1.1351% | 2,644 |
| Net interest margin | 3.5960% | 2,019 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.6963% | 1,669 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7683% | 3,114 |
| Return on assets (ROA) | 0.7683% | 3,109 |
| Pretax return on assets | 1.0150% | 2,812 |
| Return on Equity (ROE) | 10.3600% | 2,542 |
| Retained earnings to average equity (ytd only) | 10.3615% | 1,308 |
| Net charge-offs to loans | 0.0099% | 2,035 |
| Credit loss provision to net charge-offs | -45.7143% | 4,501 |
| Earnings coverage of net charge-offs (x) | 145.5143% | 748 |
| Efficiency ratio | 72.7136% | 1,483 |
| Assets per employee ($millions) | 5.2172% | 3,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0260% | 3,229 |
| Loan loss allowance to noncurrent loans | 231.9070% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 0.3220% | 1,736 |
| Noncurrent loans to loans | 0.4424% | 1,721 |
| Net loans and leases to total assets | 72.0200% | 1,574 |
| Net loans and leases to deposits | 79.9095% | 2,060 |
| Net loans and leases to core deposits | 87.1043% | 2,117 |
| Total domestic deposits to total assets | 90.1300% | 909 |
| Equity capital to assets | 7.4055% | 3,410 |
| Core capital (leverage) ratio | 9.6977% | 3,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9577% | 2,282 |
| Memoranda: | ||
| Average total assets | $671,114,000 | 1,343 |
| Average earning assets | $626,895,250 | 1,329 |
| Average equity | $49,759,750 | 1,598 |
| Average total loans | $473,223,750 | 1,286 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6315% | 2,346 |
| Cost of funding earning assets | 1.0264% | 2,515 |
| Net interest margin | 3.6051% | 2,027 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 2.6947% | 1,654 |
| Loan and lease loss provision to assets | -0.0400% | 4,482 |
| Net operating income to assets | 0.8060% | 3,062 |
| Return on assets (ROA) | 0.8060% | 3,070 |
| Pretax return on assets | 1.0651% | 2,735 |
| Return on Equity (ROE) | 10.8700% | 2,454 |
| Retained earnings to average equity (ytd only) | 10.8661% | 1,214 |
| Net charge-offs to loans | 0.0094% | 1,854 |
| Credit loss provision to net charge-offs | -677.2727% | 4,608 |
| Earnings coverage of net charge-offs (x) | 155.9545% | 736 |
| Efficiency ratio | 72.5256% | 1,505 |
| Assets per employee ($millions) | 5.4822% | 3,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0443% | 3,227 |
| Loan loss allowance to noncurrent loans | 319.5666% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.2259% | 2,057 |
| Noncurrent loans to loans | 0.3268% | 1,960 |
| Net loans and leases to total assets | 68.3900% | 1,926 |
| Net loans and leases to deposits | 75.9829% | 2,315 |
| Net loans and leases to core deposits | 82.4946% | 2,293 |
| Total domestic deposits to total assets | 90.0100% | 918 |
| Equity capital to assets | 7.5265% | 3,499 |
| Core capital (leverage) ratio | 9.5180% | 3,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1121% | 2,254 |
| Memoranda: | ||
| Average total assets | $672,219,667 | 1,343 |
| Average earning assets | $627,998,000 | 1,329 |
| Average equity | $49,861,667 | 1,599 |
| Average total loans | $468,982,667 | 1,283 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5262% | 2,259 |
| Cost of funding earning assets | 0.8805% | 2,434 |
| Net interest margin | 3.6457% | 2,022 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 2.7355% | 1,582 |
| Loan and lease loss provision to assets | -0.0100% | 4,432 |
| Net operating income to assets | 0.7748% | 3,277 |
| Return on assets (ROA) | 0.7748% | 3,233 |
| Pretax return on assets | 1.0251% | 2,918 |
| Return on Equity (ROE) | 10.5200% | 2,628 |
| Retained earnings to average equity (ytd only) | 10.5228% | 1,576 |
| Net charge-offs to loans | 0.0170% | 1,344 |
| Credit loss provision to net charge-offs | -115.0000% | 4,600 |
| Earnings coverage of net charge-offs (x) | 84.8500% | 870 |
| Efficiency ratio | 73.0078% | 1,432 |
| Assets per employee ($millions) | 5.5740% | 3,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0586% | 3,257 |
| Loan loss allowance to noncurrent loans | 428.6695% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.1713% | 2,306 |
| Noncurrent loans to loans | 0.2470% | 2,262 |
| Net loans and leases to total assets | 68.6400% | 1,773 |
| Net loans and leases to deposits | 76.2020% | 2,096 |
| Net loans and leases to core deposits | 82.4424% | 2,096 |
| Total domestic deposits to total assets | 90.0700% | 1,134 |
| Equity capital to assets | 7.5027% | 3,555 |
| Core capital (leverage) ratio | 9.2953% | 3,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8061% | 2,466 |
| Memoranda: | ||
| Average total assets | $671,175,000 | 1,360 |
| Average earning assets | $626,934,000 | 1,351 |
| Average equity | $49,416,500 | 1,629 |
| Average total loans | $470,451,500 | 1,287 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7168% | 2,481 |
| Cost of funding earning assets | 0.2421% | 3,392 |
| Net interest margin | 3.4747% | 2,012 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 2.6139% | 1,793 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.7183% | 3,568 |
| Return on assets (ROA) | 0.7183% | 3,514 |
| Pretax return on assets | 0.9463% | 3,230 |
| Return on Equity (ROE) | 9.3700% | 3,005 |
| Retained earnings to average equity (ytd only) | 9.3713% | 1,368 |
| Net charge-offs to loans | -0.0038% | 3,573 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.3596% | 1,401 |
| Assets per employee ($millions) | 5.2565% | 3,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0625% | 3,070 |
| Loan loss allowance to noncurrent loans | 456.9203% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.1647% | 2,390 |
| Noncurrent loans to loans | 0.2325% | 2,343 |
| Net loans and leases to total assets | 70.0800% | 1,635 |
| Net loans and leases to deposits | 77.6614% | 1,982 |
| Net loans and leases to core deposits | 81.7795% | 2,022 |
| Total domestic deposits to total assets | 90.2400% | 1,264 |
| Equity capital to assets | 7.2189% | 3,543 |
| Core capital (leverage) ratio | 9.2556% | 3,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4575% | 2,585 |
| Memoranda: | ||
| Average total assets | $667,305,200 | 1,349 |
| Average earning assets | $624,107,400 | 1,340 |
| Average equity | $51,145,600 | 1,592 |
| Average total loans | $445,167,600 | 1,281 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5232% | 2,536 |
| Cost of funding earning assets | 0.1835% | 3,474 |
| Net interest margin | 3.3397% | 2,170 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 2.5304% | 1,925 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.6926% | 3,584 |
| Return on assets (ROA) | 0.6926% | 3,546 |
| Pretax return on assets | 0.9108% | 3,285 |
| Return on Equity (ROE) | 8.9100% | 3,057 |
| Retained earnings to average equity (ytd only) | 8.9085% | 1,677 |
| Net charge-offs to loans | 0.0027% | 2,154 |
| Credit loss provision to net charge-offs | 3,100.0000% | 178 |
| Earnings coverage of net charge-offs (x) | 538.4444% | 292 |
| Efficiency ratio | 72.3623% | 1,468 |
| Assets per employee ($millions) | 5.2738% | 3,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0789% | 3,109 |
| Loan loss allowance to noncurrent loans | 337.0090% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.2184% | 2,149 |
| Noncurrent loans to loans | 0.3201% | 2,092 |
| Net loans and leases to total assets | 67.4700% | 1,734 |
| Net loans and leases to deposits | 74.5555% | 1,997 |
| Net loans and leases to core deposits | 76.8427% | 2,126 |
| Total domestic deposits to total assets | 90.5000% | 1,437 |
| Equity capital to assets | 6.8332% | 3,598 |
| Core capital (leverage) ratio | 8.9401% | 3,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4898% | 2,655 |
| Memoranda: | ||
| Average total assets | $668,552,000 | 1,355 |
| Average earning assets | $625,670,250 | 1,344 |
| Average equity | $51,979,000 | 1,593 |
| Average total loans | $439,170,250 | 1,285 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3326% | 2,631 |
| Cost of funding earning assets | 0.1812% | 3,166 |
| Net interest margin | 3.1514% | 2,359 |
| Noninterest income to average assets | 0.3732% | 2,909 |
| Noninterest expense to average assets | 2.4648% | 2,042 |
| Loan and lease loss provision to assets | 0.0558% | 1,582 |
| Net operating income to assets | 0.6156% | 3,585 |
| Return on assets (ROA) | 0.6156% | 3,531 |
| Pretax return on assets | 0.8076% | 3,304 |
| Return on Equity (ROE) | 7.6131% | 3,128 |
| Retained earnings to average equity (ytd only) | 7.6131% | 1,762 |
| Net charge-offs to loans | 0.0041% | 1,870 |
| Credit loss provision to net charge-offs | 2,077.7778% | 238 |
| Earnings coverage of net charge-offs (x) | 321.3333% | 380 |
| Efficiency ratio | 74.0581% | 1,500 |
| Assets per employee ($millions) | 5.6291% | 3,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0718% | 3,271 |
| Loan loss allowance to noncurrent loans | 353.8348% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.2024% | 2,311 |
| Noncurrent loans to loans | 0.3029% | 2,246 |
| Net loans and leases to total assets | 66.1142% | 1,674 |
| Net loans and leases to deposits | 73.5498% | 1,913 |
| Net loans and leases to core deposits | 75.7248% | 2,040 |
| Total domestic deposits to total assets | 89.8904% | 1,757 |
| Equity capital to assets | 7.4543% | 3,503 |
| Core capital (leverage) ratio | 8.7586% | 3,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3690% | 2,711 |
| Memoranda: | ||
| Average total assets | $669,905,000 | 1,361 |
| Average earning assets | $628,159,333 | 1,355 |
| Average equity | $54,170,000 | 1,573 |
| Average total loans | $434,477,667 | 1,290 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1974% | 2,697 |
| Cost of funding earning assets | 0.1836% | 3,040 |
| Net interest margin | 3.0138% | 2,458 |
| Noninterest income to average assets | 0.3833% | 2,790 |
| Noninterest expense to average assets | 2.4236% | 2,094 |
| Loan and lease loss provision to assets | 0.0657% | 1,245 |
| Net operating income to assets | 0.5559% | 3,538 |
| Return on assets (ROA) | 0.5559% | 3,513 |
| Pretax return on assets | 0.7266% | 3,316 |
| Return on Equity (ROE) | 6.6160% | 3,152 |
| Retained earnings to average equity (ytd only) | 6.6160% | 2,027 |
| Net charge-offs to loans | -0.0019% | 3,100 |
| Credit loss provision to net charge-offs | -5,500.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3620% | 1,593 |
| Assets per employee ($millions) | 5.8697% | 2,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0895% | 3,369 |
| Loan loss allowance to noncurrent loans | 425.9226% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.1646% | 2,645 |
| Noncurrent loans to loans | 0.2558% | 2,563 |
| Net loans and leases to total assets | 63.6427% | 1,664 |
| Net loans and leases to deposits | 71.1582% | 1,847 |
| Net loans and leases to core deposits | 73.3165% | 1,990 |
| Total domestic deposits to total assets | 89.4383% | 1,852 |
| Equity capital to assets | 7.8655% | 3,671 |
| Core capital (leverage) ratio | 8.7486% | 3,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3458% | 2,818 |
| Memoranda: | ||
| Average total assets | $669,924,000 | 1,367 |
| Average earning assets | $629,627,000 | 1,362 |
| Average equity | $56,288,000 | 1,563 |
| Average total loans | $427,879,000 | 1,300 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2463% | 3,353 |
| Cost of funding earning assets | 0.2512% | 2,920 |
| Net interest margin | 2.9951% | 3,203 |
| Noninterest income to average assets | 0.6504% | 1,940 |
| Noninterest expense to average assets | 2.6034% | 1,859 |
| Loan and lease loss provision to assets | -0.0614% | 4,413 |
| Net operating income to assets | 0.7031% | 3,621 |
| Return on assets (ROA) | 0.7031% | 3,675 |
| Pretax return on assets | 0.9244% | 3,438 |
| Return on Equity (ROE) | 7.7240% | 3,311 |
| Retained earnings to average equity (ytd only) | 7.7240% | 1,652 |
| Net charge-offs to loans | -0.0155% | 3,888 |
| Credit loss provision to net charge-offs | 617.1875% | 712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1043% | 1,200 |
| Assets per employee ($millions) | 5.6823% | 3,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0963% | 3,370 |
| Loan loss allowance to noncurrent loans | 431.7757% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.1609% | 2,816 |
| Noncurrent loans to loans | 0.2539% | 2,707 |
| Net loans and leases to total assets | 62.6936% | 1,858 |
| Net loans and leases to deposits | 70.7497% | 2,046 |
| Net loans and leases to core deposits | 72.8575% | 2,178 |
| Total domestic deposits to total assets | 88.6132% | 1,731 |
| Equity capital to assets | 8.9471% | 3,679 |
| Core capital (leverage) ratio | 8.7403% | 3,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7390% | 2,716 |
| Memoranda: | ||
| Average total assets | $643,115,600 | 1,374 |
| Average earning assets | $604,658,600 | 1,365 |
| Average equity | $58,544,800 | 1,540 |
| Average total loans | $412,572,600 | 1,342 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2553% | 3,500 |
| Cost of funding earning assets | 0.2705% | 2,889 |
| Net interest margin | 2.9848% | 3,346 |
| Noninterest income to average assets | 0.6385% | 2,058 |
| Noninterest expense to average assets | 2.6363% | 1,733 |
| Loan and lease loss provision to assets | 0.0563% | 1,857 |
| Net operating income to assets | 0.5727% | 4,061 |
| Return on assets (ROA) | 0.5727% | 4,102 |
| Pretax return on assets | 0.7496% | 3,990 |
| Return on Equity (ROE) | 6.2629% | 3,854 |
| Retained earnings to average equity (ytd only) | 6.2629% | 2,715 |
| Net charge-offs to loans | -0.0198% | 3,966 |
| Credit loss provision to net charge-offs | -440.9836% | 3,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5899% | 993 |
| Assets per employee ($millions) | 5.4189% | 3,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2711% | 2,628 |
| Loan loss allowance to noncurrent loans | 286.2331% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.2814% | 2,369 |
| Noncurrent loans to loans | 0.4441% | 2,229 |
| Net loans and leases to total assets | 62.5565% | 1,931 |
| Net loans and leases to deposits | 70.6702% | 2,172 |
| Net loans and leases to core deposits | 72.9906% | 2,317 |
| Total domestic deposits to total assets | 88.5190% | 1,556 |
| Equity capital to assets | 8.9814% | 3,849 |
| Core capital (leverage) ratio | 8.5507% | 3,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7861% | 2,781 |
| Memoranda: | ||
| Average total assets | $637,686,250 | 1,398 |
| Average earning assets | $598,975,500 | 1,395 |
| Average equity | $58,310,250 | 1,570 |
| Average total loans | $410,358,750 | 1,377 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2903% | 3,456 |
| Cost of funding earning assets | 0.3030% | 2,749 |
| Net interest margin | 2.9872% | 3,359 |
| Noninterest income to average assets | 0.6133% | 2,159 |
| Noninterest expense to average assets | 2.6592% | 1,692 |
| Loan and lease loss provision to assets | 0.0510% | 2,017 |
| Net operating income to assets | 0.5405% | 4,134 |
| Return on assets (ROA) | 0.5405% | 4,180 |
| Pretax return on assets | 0.7060% | 4,054 |
| Return on Equity (ROE) | 5.8744% | 3,932 |
| Retained earnings to average equity (ytd only) | 5.8744% | 2,852 |
| Net charge-offs to loans | -0.0440% | 4,310 |
| Credit loss provision to net charge-offs | -178.8889% | 3,179 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8406% | 923 |
| Assets per employee ($millions) | 5.4323% | 3,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2615% | 2,632 |
| Loan loss allowance to noncurrent loans | 157.6364% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 0.5148% | 1,624 |
| Noncurrent loans to loans | 0.8002% | 1,530 |
| Net loans and leases to total assets | 63.5210% | 2,008 |
| Net loans and leases to deposits | 71.9317% | 2,212 |
| Net loans and leases to core deposits | 73.8771% | 2,420 |
| Total domestic deposits to total assets | 88.3074% | 1,663 |
| Equity capital to assets | 9.1442% | 3,662 |
| Core capital (leverage) ratio | 8.5784% | 3,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6713% | 2,817 |
| Memoranda: | ||
| Average total assets | $631,685,000 | 1,402 |
| Average earning assets | $592,720,000 | 1,398 |
| Average equity | $58,117,000 | 1,567 |
| Average total loans | $408,659,000 | 1,386 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3474% | 3,347 |
| Cost of funding earning assets | 0.3648% | 2,404 |
| Net interest margin | 2.9826% | 3,308 |
| Noninterest income to average assets | 0.6647% | 1,977 |
| Noninterest expense to average assets | 2.6398% | 1,768 |
| Loan and lease loss provision to assets | 0.1027% | 1,321 |
| Net operating income to assets | 0.5467% | 4,084 |
| Return on assets (ROA) | 0.5467% | 4,126 |
| Pretax return on assets | 0.7177% | 3,982 |
| Return on Equity (ROE) | 5.9238% | 3,882 |
| Retained earnings to average equity (ytd only) | 5.9238% | 2,926 |
| Net charge-offs to loans | -0.0138% | 3,815 |
| Credit loss provision to net charge-offs | -1,150.0000% | 3,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2906% | 1,105 |
| Assets per employee ($millions) | 5.3571% | 3,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2510% | 2,660 |
| Loan loss allowance to noncurrent loans | 195.4251% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.4149% | 2,157 |
| Noncurrent loans to loans | 0.6402% | 1,972 |
| Net loans and leases to total assets | 64.0077% | 2,041 |
| Net loans and leases to deposits | 72.5079% | 2,265 |
| Net loans and leases to core deposits | 74.4898% | 2,468 |
| Total domestic deposits to total assets | 88.2768% | 1,709 |
| Equity capital to assets | 9.1325% | 3,559 |
| Core capital (leverage) ratio | 8.6487% | 3,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6736% | 2,773 |
| Memoranda: | ||
| Average total assets | $627,022,500 | 1,397 |
| Average earning assets | $587,674,500 | 1,387 |
| Average equity | $57,868,000 | 1,563 |
| Average total loans | $406,799,500 | 1,395 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7565% | 3,425 |
| Cost of funding earning assets | 0.7756% | 1,319 |
| Net interest margin | 2.9810% | 3,933 |
| Noninterest income to average assets | 0.7275% | 1,756 |
| Noninterest expense to average assets | 2.8558% | 1,803 |
| Loan and lease loss provision to assets | 0.2021% | 1,941 |
| Net operating income to assets | 0.3485% | 4,348 |
| Return on assets (ROA) | 0.3552% | 4,407 |
| Pretax return on assets | 0.4531% | 4,348 |
| Return on Equity (ROE) | 3.7949% | 4,201 |
| Retained earnings to average equity (ytd only) | 3.7949% | 2,922 |
| Net charge-offs to loans | 0.0030% | 3,271 |
| Credit loss provision to net charge-offs | 9,891.6667% | 106 |
| Earnings coverage of net charge-offs (x) | 316.5000% | 334 |
| Efficiency ratio | 81.5353% | 775 |
| Assets per employee ($millions) | 5.2704% | 3,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2259% | 2,813 |
| Loan loss allowance to noncurrent loans | 147.1322% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 0.5411% | 1,935 |
| Noncurrent loans to loans | 0.8332% | 1,681 |
| Net loans and leases to total assets | 64.1423% | 2,336 |
| Net loans and leases to deposits | 72.8866% | 2,601 |
| Net loans and leases to core deposits | 75.0351% | 2,815 |
| Total domestic deposits to total assets | 88.0028% | 1,471 |
| Equity capital to assets | 9.3271% | 3,766 |
| Core capital (leverage) ratio | 8.6576% | 4,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5478% | 2,787 |
| Memoranda: | ||
| Average total assets | $587,250,800 | 1,351 |
| Average earning assets | $546,699,400 | 1,360 |
| Average equity | $54,968,000 | 1,561 |
| Average total loans | $399,754,800 | 1,355 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8297% | 3,475 |
| Cost of funding earning assets | 0.8497% | 1,263 |
| Net interest margin | 2.9800% | 4,021 |
| Noninterest income to average assets | 0.7077% | 1,772 |
| Noninterest expense to average assets | 2.8973% | 1,710 |
| Loan and lease loss provision to assets | 0.2406% | 1,686 |
| Net operating income to assets | 0.2662% | 4,497 |
| Return on assets (ROA) | 0.2717% | 4,533 |
| Pretax return on assets | 0.3470% | 4,494 |
| Return on Equity (ROE) | 2.8998% | 4,407 |
| Retained earnings to average equity (ytd only) | 2.8998% | 3,558 |
| Net charge-offs to loans | -0.0017% | 3,866 |
| Credit loss provision to net charge-offs | -20,880.0000% | 4,413 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3035% | 654 |
| Assets per employee ($millions) | 4.9241% | 3,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1948% | 2,693 |
| Loan loss allowance to noncurrent loans | 152.5451% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 0.5222% | 2,133 |
| Noncurrent loans to loans | 0.7833% | 1,865 |
| Net loans and leases to total assets | 65.8783% | 2,536 |
| Net loans and leases to deposits | 75.1175% | 2,836 |
| Net loans and leases to core deposits | 77.5399% | 3,053 |
| Total domestic deposits to total assets | 87.7003% | 1,342 |
| Equity capital to assets | 9.1376% | 4,010 |
| Core capital (leverage) ratio | 8.4953% | 4,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1389% | 2,887 |
| Memoranda: | ||
| Average total assets | $578,587,250 | 1,352 |
| Average earning assets | $537,884,750 | 1,356 |
| Average equity | $54,208,500 | 1,566 |
| Average total loans | $398,729,750 | 1,347 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9069% | 3,595 |
| Cost of funding earning assets | 0.9159% | 1,296 |
| Net interest margin | 2.9910% | 4,142 |
| Noninterest income to average assets | 0.7160% | 1,684 |
| Noninterest expense to average assets | 2.9816% | 1,627 |
| Loan and lease loss provision to assets | 0.2490% | 1,689 |
| Net operating income to assets | 0.2082% | 4,568 |
| Return on assets (ROA) | 0.2167% | 4,591 |
| Pretax return on assets | 0.2721% | 4,567 |
| Return on Equity (ROE) | 2.2924% | 4,474 |
| Retained earnings to average equity (ytd only) | 2.2924% | 3,644 |
| Net charge-offs to loans | -0.0091% | 4,180 |
| Credit loss provision to net charge-offs | -3,938.8889% | 4,054 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3796% | 568 |
| Assets per employee ($millions) | 4.9487% | 3,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1088% | 3,004 |
| Loan loss allowance to noncurrent loans | 124.1864% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 0.5957% | 2,022 |
| Noncurrent loans to loans | 0.8928% | 1,713 |
| Net loans and leases to total assets | 65.9794% | 2,631 |
| Net loans and leases to deposits | 75.1123% | 2,959 |
| Net loans and leases to core deposits | 77.7472% | 3,133 |
| Total domestic deposits to total assets | 87.8411% | 1,265 |
| Equity capital to assets | 9.0198% | 4,076 |
| Core capital (leverage) ratio | 8.7042% | 4,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0940% | 2,945 |
| Memoranda: | ||
| Average total assets | $569,561,667 | 1,350 |
| Average earning assets | $528,651,333 | 1,351 |
| Average equity | $53,830,333 | 1,564 |
| Average total loans | $397,031,000 | 1,332 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1278% | 3,442 |
| Cost of funding earning assets | 0.9649% | 1,584 |
| Net interest margin | 3.1630% | 3,947 |
| Noninterest income to average assets | 0.6364% | 1,875 |
| Noninterest expense to average assets | 3.0655% | 1,735 |
| Loan and lease loss provision to assets | 0.1869% | 1,603 |
| Net operating income to assets | 0.2446% | 4,455 |
| Return on assets (ROA) | 0.2618% | 4,452 |
| Pretax return on assets | 0.3382% | 4,394 |
| Return on Equity (ROE) | 2.7020% | 4,290 |
| Retained earnings to average equity (ytd only) | 2.7020% | 3,196 |
| Net charge-offs to loans | -0.0092% | 4,046 |
| Credit loss provision to net charge-offs | -2,855.5556% | 3,775 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8977% | 717 |
| Assets per employee ($millions) | 4.6590% | 3,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0263% | 3,565 |
| Loan loss allowance to noncurrent loans | 103.3495% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 0.6995% | 1,914 |
| Noncurrent loans to loans | 0.9930% | 1,664 |
| Net loans and leases to total assets | 69.7244% | 2,292 |
| Net loans and leases to deposits | 80.3147% | 2,646 |
| Net loans and leases to core deposits | 83.4740% | 2,892 |
| Total domestic deposits to total assets | 86.8139% | 1,645 |
| Equity capital to assets | 9.7306% | 4,012 |
| Core capital (leverage) ratio | 9.1855% | 4,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4034% | 2,968 |
| Memoranda: | ||
| Average total assets | $549,994,500 | 1,358 |
| Average earning assets | $509,903,500 | 1,350 |
| Average equity | $53,294,000 | 1,566 |
| Average total loans | $392,488,000 | 1,312 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3318% | 3,451 |
| Cost of funding earning assets | 0.9149% | 2,134 |
| Net interest margin | 3.4169% | 3,696 |
| Noninterest income to average assets | 0.4893% | 2,802 |
| Noninterest expense to average assets | 2.9733% | 2,084 |
| Loan and lease loss provision to assets | 0.0055% | 3,897 |
| Net operating income to assets | 0.5119% | 4,383 |
| Return on assets (ROA) | 0.5214% | 4,405 |
| Pretax return on assets | 0.6735% | 4,275 |
| Return on Equity (ROE) | 5.5673% | 4,047 |
| Retained earnings to average equity (ytd only) | 5.5673% | 2,122 |
| Net charge-offs to loans | 0.0029% | 3,583 |
| Credit loss provision to net charge-offs | 272.7273% | 1,028 |
| Earnings coverage of net charge-offs (x) | 328.0909% | 265 |
| Efficiency ratio | 81.6756% | 817 |
| Assets per employee ($millions) | 4.5454% | 3,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9654% | 3,668 |
| Loan loss allowance to noncurrent loans | 80.3404% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 0.8689% | 1,477 |
| Noncurrent loans to loans | 1.2017% | 1,255 |
| Net loans and leases to total assets | 71.6097% | 2,148 |
| Net loans and leases to deposits | 82.5102% | 2,496 |
| Net loans and leases to core deposits | 85.4322% | 2,831 |
| Total domestic deposits to total assets | 86.7888% | 1,712 |
| Equity capital to assets | 9.6479% | 4,218 |
| Core capital (leverage) ratio | 9.2066% | 4,356 |
| Tier 1 risk-based capital ratio | 11.4204% | 4,669 |
| Total risk-based capital ratio | 12.2949% | 4,741 |
| Memoranda: | ||
| Average total assets | $541,017,000 | 1,326 |
| Average earning assets | $498,938,200 | 1,331 |
| Average equity | $50,671,200 | 1,579 |
| Average total loans | $384,729,400 | 1,308 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3517% | 3,508 |
| Cost of funding earning assets | 0.8910% | 2,269 |
| Net interest margin | 3.4607% | 3,695 |
| Noninterest income to average assets | 0.4643% | 2,934 |
| Noninterest expense to average assets | 2.9872% | 2,016 |
| Loan and lease loss provision to assets | 0.0099% | 3,696 |
| Net operating income to assets | 0.5109% | 4,487 |
| Return on assets (ROA) | 0.5148% | 4,536 |
| Pretax return on assets | 0.6612% | 4,427 |
| Return on Equity (ROE) | 5.5381% | 4,186 |
| Retained earnings to average equity (ytd only) | 5.5381% | 2,607 |
| Net charge-offs to loans | -0.0153% | 4,508 |
| Credit loss provision to net charge-offs | -90.9091% | 4,068 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7673% | 772 |
| Assets per employee ($millions) | 4.5196% | 3,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9906% | 3,621 |
| Loan loss allowance to noncurrent loans | 80.6594% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 0.8780% | 1,562 |
| Noncurrent loans to loans | 1.2281% | 1,269 |
| Net loans and leases to total assets | 70.7871% | 2,355 |
| Net loans and leases to deposits | 81.4140% | 2,754 |
| Net loans and leases to core deposits | 84.4302% | 3,054 |
| Total domestic deposits to total assets | 86.9470% | 1,545 |
| Equity capital to assets | 9.6808% | 4,308 |
| Core capital (leverage) ratio | 9.0665% | 4,585 |
| Tier 1 risk-based capital ratio | 11.2782% | 4,774 |
| Total risk-based capital ratio | 12.1706% | 4,829 |
| Memoranda: | ||
| Average total assets | $541,044,750 | 1,337 |
| Average earning assets | $498,580,750 | 1,339 |
| Average equity | $50,292,500 | 1,592 |
| Average total loans | $383,132,500 | 1,321 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3370% | 3,521 |
| Cost of funding earning assets | 0.8569% | 2,368 |
| Net interest margin | 3.4801% | 3,656 |
| Noninterest income to average assets | 0.4488% | 2,965 |
| Noninterest expense to average assets | 3.0369% | 1,897 |
| Loan and lease loss provision to assets | 0.0148% | 3,482 |
| Net operating income to assets | 0.4739% | 4,584 |
| Return on assets (ROA) | 0.4739% | 4,613 |
| Pretax return on assets | 0.6049% | 4,536 |
| Return on Equity (ROE) | 5.1700% | 4,302 |
| Retained earnings to average equity (ytd only) | 5.1700% | 2,685 |
| Net charge-offs to loans | -0.0210% | 4,556 |
| Credit loss provision to net charge-offs | -100.0000% | 3,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0534% | 726 |
| Assets per employee ($millions) | 4.4519% | 3,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0050% | 3,589 |
| Loan loss allowance to noncurrent loans | 74.5483% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 0.9728% | 1,428 |
| Noncurrent loans to loans | 1.3481% | 1,155 |
| Net loans and leases to total assets | 70.1633% | 2,510 |
| Net loans and leases to deposits | 80.6107% | 2,889 |
| Net loans and leases to core deposits | 82.9967% | 3,196 |
| Total domestic deposits to total assets | 87.0397% | 1,582 |
| Equity capital to assets | 9.5443% | 4,363 |
| Core capital (leverage) ratio | 8.8675% | 4,742 |
| Tier 1 risk-based capital ratio | 11.2643% | 4,801 |
| Total risk-based capital ratio | 12.1729% | 4,858 |
| Memoranda: | ||
| Average total assets | $540,609,000 | 1,336 |
| Average earning assets | $498,316,000 | 1,336 |
| Average equity | $49,555,330 | 1,606 |
| Average total loans | $381,591,330 | 1,329 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2861% | 3,599 |
| Cost of funding earning assets | 0.8255% | 2,394 |
| Net interest margin | 3.4607% | 3,715 |
| Noninterest income to average assets | 0.4232% | 3,028 |
| Noninterest expense to average assets | 3.0371% | 1,886 |
| Loan and lease loss provision to assets | 0.0148% | 3,243 |
| Net operating income to assets | 0.4343% | 4,661 |
| Return on assets (ROA) | 0.4343% | 4,677 |
| Pretax return on assets | 0.5606% | 4,583 |
| Return on Equity (ROE) | 4.8369% | 4,371 |
| Retained earnings to average equity (ytd only) | 4.8369% | 2,977 |
| Net charge-offs to loans | 0.0042% | 2,563 |
| Credit loss provision to net charge-offs | 500.0000% | 602 |
| Earnings coverage of net charge-offs (x) | 194.7500% | 398 |
| Efficiency ratio | 84.0728% | 703 |
| Assets per employee ($millions) | 4.4943% | 3,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9851% | 3,800 |
| Loan loss allowance to noncurrent loans | 71.3907% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 0.9983% | 1,404 |
| Noncurrent loans to loans | 1.3798% | 1,174 |
| Net loans and leases to total assets | 69.1663% | 2,600 |
| Net loans and leases to deposits | 78.9374% | 2,957 |
| Net loans and leases to core deposits | 81.3566% | 3,235 |
| Total domestic deposits to total assets | 87.6218% | 1,509 |
| Equity capital to assets | 9.0226% | 4,663 |
| Core capital (leverage) ratio | 8.6913% | 4,878 |
| Tier 1 risk-based capital ratio | 11.0537% | 4,951 |
| Total risk-based capital ratio | 11.9465% | 5,013 |
| Memoranda: | ||
| Average total assets | $541,576,000 | 1,335 |
| Average earning assets | $499,096,500 | 1,341 |
| Average equity | $48,626,500 | 1,615 |
| Average total loans | $381,492,500 | 1,339 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1262% | 3,660 |
| Cost of funding earning assets | 0.5842% | 2,826 |
| Net interest margin | 3.5420% | 3,570 |
| Noninterest income to average assets | 0.5208% | 2,715 |
| Noninterest expense to average assets | 3.1603% | 1,647 |
| Loan and lease loss provision to assets | -0.1229% | 5,286 |
| Net operating income to assets | 0.5753% | 4,488 |
| Return on assets (ROA) | 0.5753% | 4,491 |
| Pretax return on assets | 0.7332% | 4,333 |
| Return on Equity (ROE) | 6.7684% | 3,903 |
| Retained earnings to average equity (ytd only) | 6.7684% | 1,772 |
| Net charge-offs to loans | -0.0721% | 5,074 |
| Credit loss provision to net charge-offs | 241.8519% | 1,224 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8133% | 664 |
| Assets per employee ($millions) | 4.4945% | 3,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9888% | 3,770 |
| Loan loss allowance to noncurrent loans | 68.2347% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 1.0648% | 1,274 |
| Noncurrent loans to loans | 1.4491% | 1,063 |
| Net loans and leases to total assets | 70.3402% | 2,521 |
| Net loans and leases to deposits | 81.0067% | 2,852 |
| Net loans and leases to core deposits | 83.3898% | 3,141 |
| Total domestic deposits to total assets | 86.8326% | 1,856 |
| Equity capital to assets | 8.9337% | 4,628 |
| Core capital (leverage) ratio | 8.6591% | 4,913 |
| Tier 1 risk-based capital ratio | 10.8570% | 5,042 |
| Total risk-based capital ratio | 11.7439% | 5,078 |
| Memoranda: | ||
| Average total assets | $531,333,800 | 1,329 |
| Average earning assets | $487,520,800 | 1,341 |
| Average equity | $45,166,000 | 1,659 |
| Average total loans | $374,505,200 | 1,325 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0827% | 3,690 |
| Cost of funding earning assets | 0.5547% | 2,835 |
| Net interest margin | 3.5279% | 3,604 |
| Noninterest income to average assets | 0.5396% | 2,620 |
| Noninterest expense to average assets | 3.1750% | 1,583 |
| Loan and lease loss provision to assets | -0.1641% | 5,389 |
| Net operating income to assets | 0.5987% | 4,505 |
| Return on assets (ROA) | 0.5987% | 4,513 |
| Pretax return on assets | 0.7641% | 4,389 |
| Return on Equity (ROE) | 7.1349% | 3,888 |
| Retained earnings to average equity (ytd only) | 7.1349% | 2,059 |
| Net charge-offs to loans | -0.1040% | 5,175 |
| Credit loss provision to net charge-offs | 224.3986% | 1,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1068% | 633 |
| Assets per employee ($millions) | 4.4475% | 3,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0146% | 3,669 |
| Loan loss allowance to noncurrent loans | 63.8068% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 1.1267% | 1,266 |
| Noncurrent loans to loans | 1.5901% | 999 |
| Net loans and leases to total assets | 69.0634% | 2,792 |
| Net loans and leases to deposits | 78.5460% | 3,184 |
| Net loans and leases to core deposits | 80.5566% | 3,452 |
| Total domestic deposits to total assets | 87.9273% | 1,266 |
| Equity capital to assets | 8.4163% | 4,973 |
| Core capital (leverage) ratio | 8.4193% | 5,135 |
| Tier 1 risk-based capital ratio | 10.8289% | 5,117 |
| Total risk-based capital ratio | 11.7359% | 5,158 |
| Memoranda: | ||
| Average total assets | $530,456,750 | 1,333 |
| Average earning assets | $486,468,000 | 1,351 |
| Average equity | $44,512,250 | 1,680 |
| Average total loans | $373,140,000 | 1,331 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9974% | 3,792 |
| Cost of funding earning assets | 0.5378% | 2,708 |
| Net interest margin | 3.4595% | 3,769 |
| Noninterest income to average assets | 0.5588% | 2,528 |
| Noninterest expense to average assets | 3.2011% | 1,534 |
| Loan and lease loss provision to assets | -0.2184% | 5,476 |
| Net operating income to assets | 0.5901% | 4,523 |
| Return on assets (ROA) | 0.5901% | 4,525 |
| Pretax return on assets | 0.7473% | 4,399 |
| Return on Equity (ROE) | 7.0397% | 3,889 |
| Retained earnings to average equity (ytd only) | 7.0397% | 2,057 |
| Net charge-offs to loans | -0.1205% | 5,214 |
| Credit loss provision to net charge-offs | 256.8889% | 1,119 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8199% | 579 |
| Assets per employee ($millions) | 4.4373% | 3,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0089% | 3,777 |
| Loan loss allowance to noncurrent loans | 45.4186% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 1.5530% | 845 |
| Noncurrent loans to loans | 2.2213% | 622 |
| Net loans and leases to total assets | 69.2081% | 2,692 |
| Net loans and leases to deposits | 78.5736% | 3,102 |
| Net loans and leases to core deposits | 80.4583% | 3,378 |
| Total domestic deposits to total assets | 88.0806% | 1,332 |
| Equity capital to assets | 8.3156% | 5,068 |
| Core capital (leverage) ratio | 8.3362% | 5,194 |
| Tier 1 risk-based capital ratio | 10.6655% | 5,204 |
| Total risk-based capital ratio | 11.5809% | 5,247 |
| Memoranda: | ||
| Average total assets | $529,375,000 | 1,340 |
| Average earning assets | $485,267,000 | 1,354 |
| Average equity | $44,377,000 | 1,694 |
| Average total loans | $373,396,330 | 1,327 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9605% | 3,757 |
| Cost of funding earning assets | 0.5242% | 2,596 |
| Net interest margin | 3.4362% | 3,752 |
| Noninterest income to average assets | 0.4680% | 3,006 |
| Noninterest expense to average assets | 3.3401% | 1,269 |
| Loan and lease loss provision to assets | -0.0883% | 5,501 |
| Net operating income to assets | 0.2877% | 5,116 |
| Return on assets (ROA) | 0.2877% | 5,119 |
| Pretax return on assets | 0.3638% | 5,083 |
| Return on Equity (ROE) | 3.4176% | 4,917 |
| Retained earnings to average equity (ytd only) | 3.4176% | 3,843 |
| Net charge-offs to loans | -0.0376% | 4,842 |
| Credit loss provision to net charge-offs | 331.4286% | 770 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3806% | 354 |
| Assets per employee ($millions) | 4.4743% | 3,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0864% | 3,471 |
| Loan loss allowance to noncurrent loans | 51.1338% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 1.5397% | 891 |
| Noncurrent loans to loans | 2.1246% | 728 |
| Net loans and leases to total assets | 69.9975% | 2,490 |
| Net loans and leases to deposits | 79.5129% | 2,867 |
| Net loans and leases to core deposits | 81.3997% | 3,199 |
| Total domestic deposits to total assets | 88.0328% | 1,599 |
| Equity capital to assets | 8.3056% | 5,101 |
| Core capital (leverage) ratio | 8.1747% | 5,330 |
| Tier 1 risk-based capital ratio | 10.4469% | 5,367 |
| Total risk-based capital ratio | 11.4386% | 5,381 |
| Memoranda: | ||
| Average total assets | $525,608,500 | 1,359 |
| Average earning assets | $481,458,500 | 1,378 |
| Average equity | $44,242,000 | 1,700 |
| Average total loans | $372,409,000 | 1,334 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9037% | 3,714 |
| Cost of funding earning assets | 0.4629% | 2,663 |
| Net interest margin | 3.4408% | 3,721 |
| Noninterest income to average assets | 0.5380% | 2,782 |
| Noninterest expense to average assets | 3.0210% | 2,110 |
| Loan and lease loss provision to assets | -0.0542% | 5,408 |
| Net operating income to assets | -0.3515% | 5,490 |
| Return on assets (ROA) | -0.3515% | 5,488 |
| Pretax return on assets | 0.6982% | 4,512 |
| Return on Equity (ROE) | -3.8532% | 5,516 |
| Retained earnings to average equity (ytd only) | -3.8532% | 5,389 |
| Net charge-offs to loans | 0.1132% | 1,925 |
| Credit loss provision to net charge-offs | -68.6131% | 4,672 |
| Earnings coverage of net charge-offs (x) | 8.1582% | 2,950 |
| Efficiency ratio | 82.4266% | 897 |
| Assets per employee ($millions) | 4.3244% | 3,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1153% | 3,265 |
| Loan loss allowance to noncurrent loans | 66.8389% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 1.2203% | 1,202 |
| Noncurrent loans to loans | 1.6687% | 985 |
| Net loans and leases to total assets | 70.1491% | 2,503 |
| Net loans and leases to deposits | 79.9473% | 2,926 |
| Net loans and leases to core deposits | 81.6968% | 3,269 |
| Total domestic deposits to total assets | 87.7442% | 1,633 |
| Equity capital to assets | 8.5300% | 5,101 |
| Core capital (leverage) ratio | 8.0556% | 5,421 |
| Tier 1 risk-based capital ratio | 10.3938% | 5,404 |
| Total risk-based capital ratio | 11.4102% | 5,419 |
| Memoranda: | ||
| Average total assets | $520,593,400 | 1,346 |
| Average earning assets | $473,120,800 | 1,375 |
| Average equity | $47,493,400 | 1,580 |
| Average total loans | $362,922,400 | 1,338 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8764% | 3,750 |
| Cost of funding earning assets | 0.4494% | 2,723 |
| Net interest margin | 3.4270% | 3,750 |
| Noninterest income to average assets | 0.5542% | 2,708 |
| Noninterest expense to average assets | 3.0324% | 2,023 |
| Loan and lease loss provision to assets | -0.0723% | 5,557 |
| Net operating income to assets | 0.4608% | 4,849 |
| Return on assets (ROA) | 0.4608% | 4,881 |
| Pretax return on assets | 0.7037% | 4,597 |
| Return on Equity (ROE) | 4.9700% | 4,539 |
| Retained earnings to average equity (ytd only) | 4.9700% | 2,907 |
| Net charge-offs to loans | 0.0499% | 2,430 |
| Credit loss provision to net charge-offs | -208.8889% | 4,640 |
| Earnings coverage of net charge-offs (x) | 18.2366% | 2,065 |
| Efficiency ratio | 82.7676% | 858 |
| Assets per employee ($millions) | 4.4090% | 3,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1898% | 2,991 |
| Loan loss allowance to noncurrent loans | 94.3993% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 0.9095% | 1,878 |
| Noncurrent loans to loans | 1.2604% | 1,518 |
| Net loans and leases to total assets | 69.3139% | 2,661 |
| Net loans and leases to deposits | 80.2472% | 2,949 |
| Net loans and leases to core deposits | 82.1014% | 3,273 |
| Total domestic deposits to total assets | 86.3755% | 2,146 |
| Equity capital to assets | 9.3250% | 4,628 |
| Core capital (leverage) ratio | 8.3585% | 5,337 |
| Tier 1 risk-based capital ratio | 10.6201% | 5,408 |
| Total risk-based capital ratio | 11.6980% | 5,404 |
| Memoranda: | ||
| Average total assets | $519,929,750 | 1,359 |
| Average earning assets | $471,769,750 | 1,389 |
| Average equity | $48,208,500 | 1,578 |
| Average total loans | $360,854,500 | 1,354 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8267% | 3,801 |
| Cost of funding earning assets | 0.4391% | 2,703 |
| Net interest margin | 3.3876% | 3,817 |
| Noninterest income to average assets | 0.5700% | 2,604 |
| Noninterest expense to average assets | 3.0158% | 2,069 |
| Loan and lease loss provision to assets | -0.0813% | 5,632 |
| Net operating income to assets | 0.4663% | 4,808 |
| Return on assets (ROA) | 0.4663% | 4,835 |
| Pretax return on assets | 0.7073% | 4,528 |
| Return on Equity (ROE) | 5.0384% | 4,462 |
| Retained earnings to average equity (ytd only) | 5.0384% | 2,685 |
| Net charge-offs to loans | 0.0772% | 1,850 |
| Credit loss provision to net charge-offs | -152.1739% | 4,420 |
| Earnings coverage of net charge-offs (x) | 11.7246% | 2,251 |
| Efficiency ratio | 82.8092% | 937 |
| Assets per employee ($millions) | 4.3666% | 3,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2317% | 2,820 |
| Loan loss allowance to noncurrent loans | 96.0591% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 0.8910% | 1,991 |
| Noncurrent loans to loans | 1.2823% | 1,501 |
| Net loans and leases to total assets | 68.6339% | 2,716 |
| Net loans and leases to deposits | 77.9475% | 3,122 |
| Net loans and leases to core deposits | 79.7650% | 3,440 |
| Total domestic deposits to total assets | 88.0515% | 1,432 |
| Equity capital to assets | 9.2880% | 4,637 |
| Core capital (leverage) ratio | 8.3733% | 5,303 |
| Tier 1 risk-based capital ratio | 10.5974% | 5,428 |
| Total risk-based capital ratio | 11.7106% | 5,400 |
| Memoranda: | ||
| Average total assets | $516,878,670 | 1,373 |
| Average earning assets | $468,704,670 | 1,406 |
| Average equity | $47,832,330 | 1,593 |
| Average total loans | $357,424,670 | 1,370 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7872% | 3,805 |
| Cost of funding earning assets | 0.4375% | 2,642 |
| Net interest margin | 3.3497% | 3,848 |
| Noninterest income to average assets | 0.5065% | 2,936 |
| Noninterest expense to average assets | 2.9954% | 2,173 |
| Loan and lease loss provision to assets | -0.0452% | 5,712 |
| Net operating income to assets | 0.3842% | 4,993 |
| Return on assets (ROA) | 0.3842% | 5,018 |
| Pretax return on assets | 0.5930% | 4,747 |
| Return on Equity (ROE) | 4.1591% | 4,727 |
| Retained earnings to average equity (ytd only) | 4.1591% | 3,378 |
| Net charge-offs to loans | -0.0599% | 5,262 |
| Credit loss provision to net charge-offs | 109.4340% | 1,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5393% | 926 |
| Assets per employee ($millions) | 4.2670% | 3,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3582% | 2,271 |
| Loan loss allowance to noncurrent loans | 95.2080% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 0.9822% | 1,866 |
| Noncurrent loans to loans | 1.4266% | 1,417 |
| Net loans and leases to total assets | 67.9124% | 2,698 |
| Net loans and leases to deposits | 76.2863% | 3,167 |
| Net loans and leases to core deposits | 78.2021% | 3,448 |
| Total domestic deposits to total assets | 89.0230% | 1,127 |
| Equity capital to assets | 9.2373% | 4,580 |
| Core capital (leverage) ratio | 8.2748% | 5,395 |
| Tier 1 risk-based capital ratio | 10.6250% | 5,495 |
| Total risk-based capital ratio | 11.8535% | 5,417 |
| Memoranda: | ||
| Average total assets | $513,323,500 | 1,384 |
| Average earning assets | $465,353,500 | 1,419 |
| Average equity | $47,414,500 | 1,602 |
| Average total loans | $354,077,500 | 1,386 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8707% | 3,677 |
| Cost of funding earning assets | 0.4329% | 2,682 |
| Net interest margin | 3.4378% | 3,673 |
| Noninterest income to average assets | 0.7505% | 1,955 |
| Noninterest expense to average assets | 3.1373% | 1,936 |
| Loan and lease loss provision to assets | -0.1013% | 5,691 |
| Net operating income to assets | 0.5292% | 4,514 |
| Return on assets (ROA) | 0.5311% | 4,597 |
| Pretax return on assets | 0.8179% | 4,138 |
| Return on Equity (ROE) | 5.7375% | 4,103 |
| Retained earnings to average equity (ytd only) | 5.7375% | 1,861 |
| Net charge-offs to loans | -0.0982% | 5,587 |
| Credit loss provision to net charge-offs | 148.1268% | 1,853 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4688% | 1,264 |
| Assets per employee ($millions) | 4.3619% | 3,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3703% | 2,221 |
| Loan loss allowance to noncurrent loans | 88.9236% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 1.0650% | 1,769 |
| Noncurrent loans to loans | 1.5410% | 1,296 |
| Net loans and leases to total assets | 68.1619% | 2,747 |
| Net loans and leases to deposits | 76.6127% | 3,249 |
| Net loans and leases to core deposits | 78.5688% | 3,525 |
| Total domestic deposits to total assets | 88.9695% | 1,139 |
| Equity capital to assets | 9.2362% | 4,530 |
| Core capital (leverage) ratio | 8.1943% | 5,507 |
| Tier 1 risk-based capital ratio | 10.5176% | 5,564 |
| Total risk-based capital ratio | 11.7562% | 5,503 |
| Memoranda: | ||
| Average total assets | $507,417,600 | 1,353 |
| Average earning assets | $457,620,400 | 1,398 |
| Average equity | $46,971,600 | 1,611 |
| Average total loans | $353,396,600 | 1,329 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8800% | 3,655 |
| Cost of funding earning assets | 0.4270% | 2,763 |
| Net interest margin | 3.4530% | 3,659 |
| Noninterest income to average assets | 0.7486% | 1,972 |
| Noninterest expense to average assets | 3.1303% | 1,954 |
| Loan and lease loss provision to assets | -0.0737% | 5,758 |
| Net operating income to assets | 0.5250% | 4,593 |
| Return on assets (ROA) | 0.5276% | 4,691 |
| Pretax return on assets | 0.8089% | 4,283 |
| Return on Equity (ROE) | 5.6962% | 4,215 |
| Retained earnings to average equity (ytd only) | 5.6962% | 2,356 |
| Net charge-offs to loans | -0.1241% | 5,646 |
| Credit loss provision to net charge-offs | 85.1064% | 2,604 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0630% | 1,292 |
| Assets per employee ($millions) | 4.1625% | 3,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4199% | 2,110 |
| Loan loss allowance to noncurrent loans | 74.6231% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 1.3323% | 1,421 |
| Noncurrent loans to loans | 1.9028% | 1,053 |
| Net loans and leases to total assets | 69.0270% | 2,636 |
| Net loans and leases to deposits | 78.3891% | 3,148 |
| Net loans and leases to core deposits | 80.2819% | 3,418 |
| Total domestic deposits to total assets | 88.0568% | 1,374 |
| Equity capital to assets | 9.4861% | 4,675 |
| Core capital (leverage) ratio | 8.0426% | 5,665 |
| Tier 1 risk-based capital ratio | 10.2611% | 5,715 |
| Total risk-based capital ratio | 11.5201% | 5,645 |
| Memoranda: | ||
| Average total assets | $506,687,250 | 1,359 |
| Average earning assets | $456,794,500 | 1,404 |
| Average equity | $46,930,500 | 1,618 |
| Average total loans | $353,573,250 | 1,327 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8687% | 3,708 |
| Cost of funding earning assets | 0.4199% | 2,836 |
| Net interest margin | 3.4489% | 3,691 |
| Noninterest income to average assets | 0.7549% | 1,907 |
| Noninterest expense to average assets | 3.1222% | 2,002 |
| Loan and lease loss provision to assets | -0.0490% | 5,823 |
| Net operating income to assets | 0.5167% | 4,613 |
| Return on assets (ROA) | 0.5206% | 4,719 |
| Pretax return on assets | 0.7928% | 4,314 |
| Return on Equity (ROE) | 5.6668% | 4,213 |
| Retained earnings to average equity (ytd only) | 5.6668% | 2,325 |
| Net charge-offs to loans | -0.1094% | 5,654 |
| Credit loss provision to net charge-offs | 64.2487% | 2,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8842% | 1,394 |
| Assets per employee ($millions) | 4.1921% | 3,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4227% | 2,198 |
| Loan loss allowance to noncurrent loans | 75.3643% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 1.3579% | 1,465 |
| Noncurrent loans to loans | 1.8878% | 1,076 |
| Net loans and leases to total assets | 69.2388% | 2,600 |
| Net loans and leases to deposits | 79.2615% | 3,027 |
| Net loans and leases to core deposits | 81.0893% | 3,356 |
| Total domestic deposits to total assets | 87.3550% | 1,737 |
| Equity capital to assets | 9.4387% | 4,829 |
| Core capital (leverage) ratio | 7.9328% | 5,763 |
| Tier 1 risk-based capital ratio | 10.0748% | 5,831 |
| Total risk-based capital ratio | 11.3342% | 5,767 |
| Memoranda: | ||
| Average total assets | $506,306,670 | 1,365 |
| Average earning assets | $455,858,000 | 1,407 |
| Average equity | $46,516,330 | 1,632 |
| Average total loans | $352,901,670 | 1,324 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8693% | 3,699 |
| Cost of funding earning assets | 0.4160% | 2,891 |
| Net interest margin | 3.4532% | 3,655 |
| Noninterest income to average assets | 0.7038% | 2,026 |
| Noninterest expense to average assets | 3.1204% | 2,045 |
| Loan and lease loss provision to assets | 0.0206% | 3,420 |
| Net operating income to assets | 0.4292% | 4,905 |
| Return on assets (ROA) | 0.4302% | 4,979 |
| Pretax return on assets | 0.6690% | 4,624 |
| Return on Equity (ROE) | 4.7474% | 4,604 |
| Retained earnings to average equity (ytd only) | 4.7474% | 3,092 |
| Net charge-offs to loans | 0.0171% | 2,593 |
| Credit loss provision to net charge-offs | 173.3333% | 1,180 |
| Earnings coverage of net charge-offs (x) | 58.0000% | 802 |
| Efficiency ratio | 81.9352% | 1,374 |
| Assets per employee ($millions) | 4.2582% | 3,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4080% | 2,384 |
| Loan loss allowance to noncurrent loans | 61.6056% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 1.6236% | 1,216 |
| Noncurrent loans to loans | 2.2855% | 878 |
| Net loans and leases to total assets | 68.6699% | 2,547 |
| Net loans and leases to deposits | 79.5944% | 2,854 |
| Net loans and leases to core deposits | 81.5336% | 3,178 |
| Total domestic deposits to total assets | 86.2748% | 2,553 |
| Equity capital to assets | 9.1258% | 5,060 |
| Core capital (leverage) ratio | 7.6991% | 5,876 |
| Tier 1 risk-based capital ratio | 9.7230% | 5,966 |
| Total risk-based capital ratio | 10.9826% | 5,938 |
| Memoranda: | ||
| Average total assets | $505,835,000 | 1,369 |
| Average earning assets | $454,764,000 | 1,408 |
| Average equity | $45,835,500 | 1,645 |
| Average total loans | $351,211,000 | 1,327 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8463% | 3,897 |
| Cost of funding earning assets | 0.4032% | 3,120 |
| Net interest margin | 3.4430% | 3,748 |
| Noninterest income to average assets | 0.6415% | 2,507 |
| Noninterest expense to average assets | 3.4929% | 1,298 |
| Loan and lease loss provision to assets | -0.2135% | 5,996 |
| Net operating income to assets | 3.2398% | 77 |
| Return on assets (ROA) | 3.2423% | 77 |
| Pretax return on assets | 0.5044% | 5,105 |
| Return on Equity (ROE) | 46.9574% | 13 |
| Retained earnings to average equity (ytd only) | 46.9574% | 3 |
| Net charge-offs to loans | -0.1375% | 5,869 |
| Credit loss provision to net charge-offs | 223.6842% | 1,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3728% | 552 |
| Assets per employee ($millions) | 4.2075% | 3,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4429% | 2,240 |
| Loan loss allowance to noncurrent loans | 57.1233% | 4,699 |
| Noncurrent assets plus other real estate owned to assets | 1.8496% | 1,013 |
| Noncurrent loans to loans | 2.5260% | 723 |
| Net loans and leases to total assets | 68.2102% | 2,678 |
| Net loans and leases to deposits | 78.1195% | 3,039 |
| Net loans and leases to core deposits | 80.0352% | 3,341 |
| Total domestic deposits to total assets | 87.3152% | 1,974 |
| Equity capital to assets | 8.9956% | 5,127 |
| Core capital (leverage) ratio | 7.8753% | 5,883 |
| Tier 1 risk-based capital ratio | 9.7026% | 6,019 |
| Total risk-based capital ratio | 10.9682% | 5,992 |
| Memoranda: | ||
| Average total assets | $477,803,400 | 1,418 |
| Average earning assets | $435,721,400 | 1,434 |
| Average equity | $32,991,600 | 2,148 |
| Average total loans | $331,683,600 | 1,353 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8526% | 3,924 |
| Cost of funding earning assets | 0.4022% | 3,206 |
| Net interest margin | 3.4505% | 3,751 |
| Noninterest income to average assets | 0.6445% | 2,507 |
| Noninterest expense to average assets | 3.6058% | 1,110 |
| Loan and lease loss provision to assets | -0.2881% | 6,151 |
| Net operating income to assets | 0.4633% | 4,922 |
| Return on assets (ROA) | 0.4657% | 5,010 |
| Pretax return on assets | 0.4892% | 5,247 |
| Return on Equity (ROE) | 7.3337% | 3,447 |
| Retained earnings to average equity (ytd only) | 7.3337% | 1,530 |
| Net charge-offs to loans | -0.1602% | 5,936 |
| Credit loss provision to net charge-offs | 258.8832% | 1,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7810% | 461 |
| Assets per employee ($millions) | 3.9690% | 3,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4737% | 2,263 |
| Loan loss allowance to noncurrent loans | 80.2144% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 1.4469% | 1,565 |
| Noncurrent loans to loans | 1.8372% | 1,282 |
| Net loans and leases to total assets | 69.8959% | 2,401 |
| Net loans and leases to deposits | 77.0566% | 3,190 |
| Net loans and leases to core deposits | 78.8915% | 3,520 |
| Total domestic deposits to total assets | 90.7072% | 338 |
| Equity capital to assets | 6.6632% | 6,170 |
| Core capital (leverage) ratio | 6.6177% | 6,163 |
| Tier 1 risk-based capital ratio | 8.5097% | 6,210 |
| Total risk-based capital ratio | 9.7610% | 6,209 |
| Memoranda: | ||
| Average total assets | $472,081,250 | 1,435 |
| Average earning assets | $432,318,750 | 1,446 |
| Average equity | $29,979,500 | 2,332 |
| Average total loans | $327,973,750 | 1,367 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8478% | 3,885 |
| Cost of funding earning assets | 0.4044% | 3,228 |
| Net interest margin | 3.4434% | 3,743 |
| Noninterest income to average assets | 0.7203% | 2,131 |
| Noninterest expense to average assets | 3.6063% | 1,117 |
| Loan and lease loss provision to assets | -0.2280% | 6,197 |
| Net operating income to assets | 0.4651% | 4,919 |
| Return on assets (ROA) | 0.4686% | 4,996 |
| Pretax return on assets | 0.4991% | 5,232 |
| Return on Equity (ROE) | 7.5028% | 3,320 |
| Retained earnings to average equity (ytd only) | 7.5028% | 1,476 |
| Net charge-offs to loans | -0.2260% | 6,055 |
| Credit loss provision to net charge-offs | 146.1957% | 1,561 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0978% | 567 |
| Assets per employee ($millions) | 3.9647% | 3,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6277% | 1,818 |
| Loan loss allowance to noncurrent loans | 97.9481% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 1.5774% | 1,533 |
| Noncurrent loans to loans | 1.6618% | 1,571 |
| Net loans and leases to total assets | 69.0979% | 2,468 |
| Net loans and leases to deposits | 75.9830% | 3,276 |
| Net loans and leases to core deposits | 77.8215% | 3,598 |
| Total domestic deposits to total assets | 90.9387% | 312 |
| Equity capital to assets | 6.3264% | 6,257 |
| Core capital (leverage) ratio | 6.5071% | 6,242 |
| Tier 1 risk-based capital ratio | 8.4392% | 6,281 |
| Total risk-based capital ratio | 9.6921% | 6,280 |
| Memoranda: | ||
| Average total assets | $472,003,670 | 1,443 |
| Average earning assets | $432,242,000 | 1,451 |
| Average equity | $29,482,330 | 2,376 |
| Average total loans | $325,609,670 | 1,374 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8352% | 3,873 |
| Cost of funding earning assets | 0.4143% | 3,144 |
| Net interest margin | 3.4209% | 3,756 |
| Noninterest income to average assets | 0.5626% | 2,870 |
| Noninterest expense to average assets | 3.5585% | 1,192 |
| Loan and lease loss provision to assets | -0.2101% | 6,271 |
| Net operating income to assets | 0.3240% | 5,325 |
| Return on assets (ROA) | 0.3313% | 5,414 |
| Pretax return on assets | 0.3491% | 5,543 |
| Return on Equity (ROE) | 5.3380% | 4,358 |
| Retained earnings to average equity (ytd only) | 5.3380% | 2,871 |
| Net charge-offs to loans | -0.5057% | 6,240 |
| Credit loss provision to net charge-offs | 60.7843% | 1,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4409% | 489 |
| Assets per employee ($millions) | 3.9968% | 3,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7626% | 1,578 |
| Loan loss allowance to noncurrent loans | 100.1049% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 1.6797% | 1,501 |
| Noncurrent loans to loans | 1.7607% | 1,546 |
| Net loans and leases to total assets | 67.6433% | 2,508 |
| Net loans and leases to deposits | 73.9994% | 3,315 |
| Net loans and leases to core deposits | 76.1734% | 3,579 |
| Total domestic deposits to total assets | 91.4106% | 249 |
| Equity capital to assets | 6.3853% | 6,317 |
| Core capital (leverage) ratio | 6.3563% | 6,310 |
| Tier 1 risk-based capital ratio | 8.2903% | 6,345 |
| Total risk-based capital ratio | 9.5445% | 6,346 |
| Memoranda: | ||
| Average total assets | $472,107,000 | 1,445 |
| Average earning assets | $431,586,500 | 1,454 |
| Average equity | $29,299,500 | 2,411 |
| Average total loans | $322,716,500 | 1,389 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7752% | 4,567 |
| Cost of funding earning assets | 0.4459% | 3,212 |
| Net interest margin | 3.3294% | 4,476 |
| Noninterest income to average assets | 0.7106% | 2,253 |
| Noninterest expense to average assets | 3.4685% | 1,551 |
| Loan and lease loss provision to assets | 0.0980% | 2,516 |
| Net operating income to assets | 0.1934% | 5,776 |
| Return on assets (ROA) | 0.2014% | 5,819 |
| Pretax return on assets | 0.2049% | 5,865 |
| Return on Equity (ROE) | 3.4529% | 5,306 |
| Retained earnings to average equity (ytd only) | 3.4529% | 3,750 |
| Net charge-offs to loans | 0.4141% | 1,030 |
| Credit loss provision to net charge-offs | 36.2462% | 3,746 |
| Earnings coverage of net charge-offs (x) | 1.0897% | 4,497 |
| Efficiency ratio | 92.1678% | 692 |
| Assets per employee ($millions) | 4.0392% | 3,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7628% | 1,621 |
| Loan loss allowance to noncurrent loans | 88.4248% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 1.8248% | 1,427 |
| Noncurrent loans to loans | 1.9935% | 1,393 |
| Net loans and leases to total assets | 66.6610% | 2,779 |
| Net loans and leases to deposits | 72.6058% | 3,609 |
| Net loans and leases to core deposits | 74.8357% | 3,839 |
| Total domestic deposits to total assets | 91.8123% | 173 |
| Equity capital to assets | 6.4191% | 6,384 |
| Core capital (leverage) ratio | 6.1620% | 6,399 |
| Tier 1 risk-based capital ratio | 8.2708% | 6,435 |
| Total risk-based capital ratio | 9.5250% | 6,437 |
| Memoranda: | ||
| Average total assets | $486,522,800 | 1,364 |
| Average earning assets | $446,092,400 | 1,372 |
| Average equity | $28,382,000 | 2,382 |
| Average total loans | $317,776,800 | 1,363 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7458% | 4,725 |
| Cost of funding earning assets | 0.4420% | 3,347 |
| Net interest margin | 3.3038% | 4,589 |
| Noninterest income to average assets | 0.7290% | 2,190 |
| Noninterest expense to average assets | 3.3988% | 1,673 |
| Loan and lease loss provision to assets | -0.0756% | 6,237 |
| Net operating income to assets | 0.4015% | 5,244 |
| Return on assets (ROA) | 0.4060% | 5,304 |
| Pretax return on assets | 0.4430% | 5,489 |
| Return on Equity (ROE) | 7.1317% | 3,644 |
| Retained earnings to average equity (ytd only) | 7.1317% | 1,749 |
| Net charge-offs to loans | -0.0614% | 5,988 |
| Credit loss provision to net charge-offs | 190.4110% | 1,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3639% | 823 |
| Assets per employee ($millions) | 4.0519% | 3,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0191% | 1,222 |
| Loan loss allowance to noncurrent loans | 73.5770% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 2.2233% | 1,240 |
| Noncurrent loans to loans | 2.7443% | 1,024 |
| Net loans and leases to total assets | 64.5490% | 3,103 |
| Net loans and leases to deposits | 70.1648% | 3,904 |
| Net loans and leases to core deposits | 72.5332% | 4,098 |
| Total domestic deposits to total assets | 91.9962% | 161 |
| Equity capital to assets | 6.2279% | 6,466 |
| Core capital (leverage) ratio | 6.2590% | 6,459 |
| Tier 1 risk-based capital ratio | 8.5512% | 6,498 |
| Total risk-based capital ratio | 9.8081% | 6,502 |
| Memoranda: | ||
| Average total assets | $490,006,500 | 1,370 |
| Average earning assets | $449,734,250 | 1,379 |
| Average equity | $27,893,500 | 2,426 |
| Average total loans | $317,049,750 | 1,381 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7416% | 4,726 |
| Cost of funding earning assets | 0.4353% | 3,491 |
| Net interest margin | 3.3063% | 4,558 |
| Noninterest income to average assets | 0.6749% | 2,404 |
| Noninterest expense to average assets | 3.3650% | 1,771 |
| Loan and lease loss provision to assets | -0.1219% | 6,400 |
| Net operating income to assets | 0.4262% | 5,109 |
| Return on assets (ROA) | 0.4328% | 5,170 |
| Pretax return on assets | 0.4741% | 5,348 |
| Return on Equity (ROE) | 7.8414% | 3,189 |
| Retained earnings to average equity (ytd only) | 7.8414% | 1,385 |
| Net charge-offs to loans | -0.0906% | 6,113 |
| Credit loss provision to net charge-offs | 209.0278% | 1,120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7017% | 857 |
| Assets per employee ($millions) | 4.0974% | 3,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0212% | 1,326 |
| Loan loss allowance to noncurrent loans | 81.5630% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 2.1466% | 1,433 |
| Noncurrent loans to loans | 2.4781% | 1,256 |
| Net loans and leases to total assets | 64.0582% | 3,065 |
| Net loans and leases to deposits | 69.6537% | 3,864 |
| Net loans and leases to core deposits | 71.9561% | 4,055 |
| Total domestic deposits to total assets | 91.9666% | 176 |
| Equity capital to assets | 6.2532% | 6,511 |
| Core capital (leverage) ratio | 6.1064% | 6,527 |
| Tier 1 risk-based capital ratio | 8.3970% | 6,560 |
| Total risk-based capital ratio | 9.6537% | 6,563 |
| Memoranda: | ||
| Average total assets | $493,967,000 | 1,358 |
| Average earning assets | $453,437,000 | 1,355 |
| Average equity | $27,265,670 | 2,456 |
| Average total loans | $317,738,000 | 1,368 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7016% | 4,845 |
| Cost of funding earning assets | 0.4256% | 3,692 |
| Net interest margin | 3.2760% | 4,639 |
| Noninterest income to average assets | 0.6743% | 2,325 |
| Noninterest expense to average assets | 3.3197% | 1,902 |
| Loan and lease loss provision to assets | -0.2402% | 6,594 |
| Net operating income to assets | 0.5586% | 4,417 |
| Return on assets (ROA) | 0.5586% | 4,496 |
| Pretax return on assets | 0.6049% | 4,814 |
| Return on Equity (ROE) | 10.8068% | 1,752 |
| Retained earnings to average equity (ytd only) | 10.8068% | 782 |
| Net charge-offs to loans | -0.0563% | 5,856 |
| Credit loss provision to net charge-offs | 668.8889% | 421 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1018% | 1,028 |
| Assets per employee ($millions) | 4.0279% | 3,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9435% | 1,637 |
| Loan loss allowance to noncurrent loans | 79.1873% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 2.1361% | 1,570 |
| Noncurrent loans to loans | 2.4543% | 1,420 |
| Net loans and leases to total assets | 65.6412% | 2,620 |
| Net loans and leases to deposits | 71.0944% | 3,461 |
| Net loans and leases to core deposits | 73.3497% | 3,725 |
| Total domestic deposits to total assets | 92.3296% | 193 |
| Equity capital to assets | 5.8664% | 6,579 |
| Core capital (leverage) ratio | 5.7396% | 6,612 |
| Tier 1 risk-based capital ratio | 8.1099% | 6,619 |
| Total risk-based capital ratio | 9.3659% | 6,624 |
| Memoranda: | ||
| Average total assets | $501,250,500 | 1,349 |
| Average earning assets | $460,563,500 | 1,339 |
| Average equity | $25,909,500 | 2,560 |
| Average total loans | $319,892,000 | 1,363 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8214% | 4,733 |
| Cost of funding earning assets | 0.4208% | 4,426 |
| Net interest margin | 3.4005% | 4,272 |
| Noninterest income to average assets | 0.4526% | 4,077 |
| Noninterest expense to average assets | 3.8175% | 1,107 |
| Loan and lease loss provision to assets | 1.0282% | 173 |
| Net operating income to assets | -1.2989% | 6,647 |
| Return on assets (ROA) | -1.1325% | 6,627 |
| Pretax return on assets | -1.1325% | 6,617 |
| Return on Equity (ROE) | -18.0126% | 6,674 |
| Retained earnings to average equity (ytd only) | -18.0126% | 6,652 |
| Net charge-offs to loans | 1.8520% | 216 |
| Credit loss provision to net charge-offs | 86.4529% | 2,856 |
| Earnings coverage of net charge-offs (x) | -0.2277% | 5,156 |
| Efficiency ratio | 107.6345% | 310 |
| Assets per employee ($millions) | 3.9337% | 3,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0356% | 1,474 |
| Loan loss allowance to noncurrent loans | 82.3440% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 2.1146% | 1,693 |
| Noncurrent loans to loans | 2.4721% | 1,539 |
| Net loans and leases to total assets | 59.7164% | 3,769 |
| Net loans and leases to deposits | 63.7647% | 4,530 |
| Net loans and leases to core deposits | 65.5849% | 4,730 |
| Total domestic deposits to total assets | 93.6511% | 92 |
| Equity capital to assets | 4.5300% | 6,722 |
| Core capital (leverage) ratio | 5.9220% | 6,659 |
| Tier 1 risk-based capital ratio | 7.9283% | 6,698 |
| Total risk-based capital ratio | 9.1851% | 6,699 |
| Memoranda: | ||
| Average total assets | $487,863,800 | 1,360 |
| Average earning assets | $443,900,000 | 1,365 |
| Average equity | $30,673,000 | 2,216 |
| Average total loans | $313,284,400 | 1,350 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9208% | 4,425 |
| Cost of funding earning assets | 0.4242% | 4,566 |
| Net interest margin | 3.4966% | 3,899 |
| Noninterest income to average assets | 0.4631% | 4,052 |
| Noninterest expense to average assets | 3.8012% | 1,079 |
| Loan and lease loss provision to assets | 1.4693% | 80 |
| Net operating income to assets | -1.6366% | 6,773 |
| Return on assets (ROA) | -1.4106% | 6,751 |
| Pretax return on assets | -1.4106% | 6,746 |
| Return on Equity (ROE) | -20.8450% | 6,778 |
| Retained earnings to average equity (ytd only) | -20.8450% | 6,764 |
| Net charge-offs to loans | 2.2880% | 147 |
| Credit loss provision to net charge-offs | 98.6360% | 2,418 |
| Earnings coverage of net charge-offs (x) | -0.1123% | 4,888 |
| Efficiency ratio | 104.6032% | 355 |
| Assets per employee ($millions) | 3.5122% | 4,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3463% | 1,112 |
| Loan loss allowance to noncurrent loans | 73.3781% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 3.0278% | 1,217 |
| Noncurrent loans to loans | 3.1976% | 1,229 |
| Net loans and leases to total assets | 63.7158% | 3,040 |
| Net loans and leases to deposits | 70.5409% | 3,710 |
| Net loans and leases to core deposits | 72.6894% | 4,008 |
| Total domestic deposits to total assets | 90.3247% | 831 |
| Equity capital to assets | 5.7617% | 6,715 |
| Core capital (leverage) ratio | 6.0277% | 6,715 |
| Tier 1 risk-based capital ratio | 8.0910% | 6,761 |
| Total risk-based capital ratio | 9.3504% | 6,762 |
| Memoranda: | ||
| Average total assets | $479,034,750 | 1,392 |
| Average earning assets | $434,391,750 | 1,405 |
| Average equity | $32,416,250 | 2,128 |
| Average total loans | $311,876,500 | 1,362 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9207% | 4,399 |
| Cost of funding earning assets | 0.4168% | 4,784 |
| Net interest margin | 3.5038% | 3,768 |
| Noninterest income to average assets | 0.4433% | 4,218 |
| Noninterest expense to average assets | 3.7175% | 1,224 |
| Loan and lease loss provision to assets | 2.2016% | 43 |
| Net operating income to assets | -2.3008% | 6,868 |
| Return on assets (ROA) | -1.9638% | 6,849 |
| Pretax return on assets | -1.9638% | 6,840 |
| Return on Equity (ROE) | -27.6807% | 6,855 |
| Retained earnings to average equity (ytd only) | -27.6807% | 6,839 |
| Net charge-offs to loans | 3.4255% | 80 |
| Credit loss provision to net charge-offs | 98.7893% | 2,270 |
| Earnings coverage of net charge-offs (x) | -0.0445% | 4,563 |
| Efficiency ratio | 102.7418% | 408 |
| Assets per employee ($millions) | 3.5514% | 4,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3726% | 1,131 |
| Loan loss allowance to noncurrent loans | 109.1886% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 2.3348% | 1,842 |
| Noncurrent loans to loans | 2.1730% | 2,209 |
| Net loans and leases to total assets | 61.9046% | 3,301 |
| Net loans and leases to deposits | 67.0724% | 4,135 |
| Net loans and leases to core deposits | 68.9039% | 4,405 |
| Total domestic deposits to total assets | 92.2951% | 210 |
| Equity capital to assets | 5.7820% | 6,760 |
| Core capital (leverage) ratio | 6.1726% | 6,737 |
| Tier 1 risk-based capital ratio | 8.2706% | 6,795 |
| Total risk-based capital ratio | 9.5302% | 6,796 |
| Memoranda: | ||
| Average total assets | $481,833,000 | 1,381 |
| Average earning assets | $436,610,670 | 1,400 |
| Average equity | $34,182,670 | 2,034 |
| Average total loans | $313,476,330 | 1,352 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9219% | 4,399 |
| Cost of funding earning assets | 0.4181% | 4,924 |
| Net interest margin | 3.5038% | 3,677 |
| Noninterest income to average assets | 0.2658% | 5,558 |
| Noninterest expense to average assets | 3.7497% | 1,175 |
| Loan and lease loss provision to assets | 0.7519% | 299 |
| Net operating income to assets | -1.0575% | 6,823 |
| Return on assets (ROA) | -0.7246% | 6,758 |
| Pretax return on assets | -0.7246% | 6,737 |
| Return on Equity (ROE) | -9.3549% | 6,790 |
| Retained earnings to average equity (ytd only) | -9.3549% | 6,585 |
| Net charge-offs to loans | 1.2445% | 461 |
| Credit loss provision to net charge-offs | 91.7172% | 1,996 |
| Earnings coverage of net charge-offs (x) | -0.3727% | 3,907 |
| Efficiency ratio | 108.8723% | 344 |
| Assets per employee ($millions) | 3.5047% | 4,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2628% | 1,469 |
| Loan loss allowance to noncurrent loans | 80.7995% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 3.0899% | 1,432 |
| Noncurrent loans to loans | 2.8005% | 1,810 |
| Net loans and leases to total assets | 66.1839% | 2,341 |
| Net loans and leases to deposits | 73.3204% | 3,009 |
| Net loans and leases to core deposits | 75.2159% | 3,434 |
| Total domestic deposits to total assets | 90.2667% | 896 |
| Equity capital to assets | 7.7735% | 6,484 |
| Core capital (leverage) ratio | 6.9808% | 6,647 |
| Tier 1 risk-based capital ratio | 9.1354% | 6,800 |
| Total risk-based capital ratio | 10.3945% | 6,793 |
| Memoranda: | ||
| Average total assets | $483,030,500 | 1,390 |
| Average earning assets | $438,154,500 | 1,409 |
| Average equity | $37,413,500 | 1,894 |
| Average total loans | $318,211,000 | 1,334 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0623% | 5,097 |
| Cost of funding earning assets | 0.6895% | 3,573 |
| Net interest margin | 3.3728% | 4,983 |
| Noninterest income to average assets | 0.2041% | 5,955 |
| Noninterest expense to average assets | 3.4661% | 1,910 |
| Loan and lease loss provision to assets | -0.0375% | 6,854 |
| Net operating income to assets | -0.1636% | 6,350 |
| Return on assets (ROA) | -0.0840% | 6,374 |
| Pretax return on assets | -0.0840% | 6,351 |
| Return on Equity (ROE) | -1.1229% | 6,396 |
| Retained earnings to average equity (ytd only) | -1.1229% | 6,033 |
| Net charge-offs to loans | 1.1464% | 902 |
| Credit loss provision to net charge-offs | -5.1012% | 6,207 |
| Earnings coverage of net charge-offs (x) | -0.2737% | 5,604 |
| Efficiency ratio | 106.1576% | 407 |
| Assets per employee ($millions) | 3.7325% | 4,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2858% | 1,393 |
| Loan loss allowance to noncurrent loans | 46.8008% | 5,285 |
| Noncurrent assets plus other real estate owned to assets | 4.4824% | 925 |
| Noncurrent loans to loans | 4.8840% | 835 |
| Net loans and leases to total assets | 62.6731% | 3,128 |
| Net loans and leases to deposits | 69.2872% | 3,793 |
| Net loans and leases to core deposits | 71.1571% | 4,149 |
| Total domestic deposits to total assets | 90.4540% | 726 |
| Equity capital to assets | 7.7192% | 6,541 |
| Core capital (leverage) ratio | 6.9238% | 6,725 |
| Tier 1 risk-based capital ratio | 9.2814% | 6,828 |
| Total risk-based capital ratio | 10.5403% | 6,823 |
| Memoranda: | ||
| Average total assets | $517,785,600 | 1,290 |
| Average earning assets | $469,900,600 | 1,297 |
| Average equity | $38,737,600 | 1,796 |
| Average total loans | $331,725,800 | 1,266 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1051% | 5,170 |
| Cost of funding earning assets | 0.7154% | 3,633 |
| Net interest margin | 3.3898% | 5,069 |
| Noninterest income to average assets | 0.3020% | 5,366 |
| Noninterest expense to average assets | 3.4288% | 1,934 |
| Loan and lease loss provision to assets | 0.3711% | 1,746 |
| Net operating income to assets | -0.4205% | 6,654 |
| Return on assets (ROA) | -0.4185% | 6,700 |
| Pretax return on assets | -0.4185% | 6,665 |
| Return on Equity (ROE) | -5.6364% | 6,742 |
| Retained earnings to average equity (ytd only) | -5.6364% | 6,655 |
| Net charge-offs to loans | 1.1246% | 897 |
| Credit loss provision to net charge-offs | 51.5216% | 4,363 |
| Earnings coverage of net charge-offs (x) | -0.0686% | 5,363 |
| Efficiency ratio | 101.4632% | 500 |
| Assets per employee ($millions) | 3.7371% | 4,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1221% | 643 |
| Loan loss allowance to noncurrent loans | 46.6821% | 5,303 |
| Noncurrent assets plus other real estate owned to assets | 5.7204% | 728 |
| Noncurrent loans to loans | 6.6881% | 561 |
| Net loans and leases to total assets | 61.3748% | 3,498 |
| Net loans and leases to deposits | 70.7368% | 3,797 |
| Net loans and leases to core deposits | 72.7158% | 4,167 |
| Total domestic deposits to total assets | 86.7650% | 2,820 |
| Equity capital to assets | 7.6356% | 6,735 |
| Core capital (leverage) ratio | 6.5069% | 6,883 |
| Tier 1 risk-based capital ratio | 8.9105% | 6,948 |
| Total risk-based capital ratio | 10.1781% | 6,947 |
| Memoranda: | ||
| Average total assets | $523,125,250 | 1,290 |
| Average earning assets | $474,904,000 | 1,302 |
| Average equity | $38,842,000 | 1,806 |
| Average total loans | $335,056,250 | 1,267 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1123% | 5,275 |
| Cost of funding earning assets | 0.7207% | 3,843 |
| Net interest margin | 3.3916% | 5,115 |
| Noninterest income to average assets | 0.2250% | 5,960 |
| Noninterest expense to average assets | 3.4080% | 2,013 |
| Loan and lease loss provision to assets | 0.3883% | 1,686 |
| Net operating income to assets | -0.4900% | 6,730 |
| Return on assets (ROA) | -0.4874% | 6,770 |
| Pretax return on assets | -0.4874% | 6,743 |
| Return on Equity (ROE) | -6.6234% | 6,820 |
| Retained earnings to average equity (ytd only) | -6.6234% | 6,701 |
| Net charge-offs to loans | 0.6915% | 1,605 |
| Credit loss provision to net charge-offs | 87.3622% | 3,121 |
| Earnings coverage of net charge-offs (x) | -0.2290% | 5,170 |
| Efficiency ratio | 103.0783% | 456 |
| Assets per employee ($millions) | 3.8528% | 4,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3598% | 564 |
| Loan loss allowance to noncurrent loans | 47.4942% | 5,254 |
| Noncurrent assets plus other real estate owned to assets | 5.5834% | 792 |
| Noncurrent loans to loans | 7.0740% | 546 |
| Net loans and leases to total assets | 61.9875% | 3,439 |
| Net loans and leases to deposits | 71.3794% | 3,705 |
| Net loans and leases to core deposits | 73.2245% | 4,136 |
| Total domestic deposits to total assets | 86.8422% | 2,866 |
| Equity capital to assets | 7.5165% | 6,793 |
| Core capital (leverage) ratio | 6.4059% | 6,947 |
| Tier 1 risk-based capital ratio | 8.7094% | 6,999 |
| Total risk-based capital ratio | 9.9799% | 7,001 |
| Memoranda: | ||
| Average total assets | $530,576,670 | 1,276 |
| Average earning assets | $482,015,330 | 1,285 |
| Average equity | $39,043,670 | 1,779 |
| Average total loans | $340,991,000 | 1,244 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0926% | 5,483 |
| Cost of funding earning assets | 0.7376% | 3,969 |
| Net interest margin | 3.3550% | 5,289 |
| Noninterest income to average assets | 0.2618% | 5,775 |
| Noninterest expense to average assets | 3.3645% | 2,107 |
| Loan and lease loss provision to assets | 0.6606% | 819 |
| Net operating income to assets | -0.7216% | 6,923 |
| Return on assets (ROA) | -0.7216% | 6,944 |
| Pretax return on assets | -0.7216% | 6,905 |
| Return on Equity (ROE) | -9.9074% | 6,987 |
| Retained earnings to average equity (ytd only) | -9.9074% | 6,838 |
| Net charge-offs to loans | 0.7701% | 1,336 |
| Credit loss provision to net charge-offs | 133.3333% | 1,827 |
| Earnings coverage of net charge-offs (x) | -0.1231% | 4,414 |
| Efficiency ratio | 101.8464% | 500 |
| Assets per employee ($millions) | 4.0572% | 3,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3879% | 580 |
| Loan loss allowance to noncurrent loans | 57.3445% | 4,663 |
| Noncurrent assets plus other real estate owned to assets | 5.2764% | 962 |
| Noncurrent loans to loans | 5.9079% | 855 |
| Net loans and leases to total assets | 61.6864% | 3,321 |
| Net loans and leases to deposits | 70.5217% | 3,650 |
| Net loans and leases to core deposits | 72.1662% | 4,129 |
| Total domestic deposits to total assets | 87.4716% | 2,672 |
| Equity capital to assets | 7.2811% | 6,856 |
| Core capital (leverage) ratio | 6.2566% | 7,002 |
| Tier 1 risk-based capital ratio | 8.4939% | 7,075 |
| Total risk-based capital ratio | 9.7644% | 7,074 |
| Memoranda: | ||
| Average total assets | $537,725,000 | 1,260 |
| Average earning assets | $487,517,500 | 1,270 |
| Average equity | $39,162,500 | 1,771 |
| Average total loans | $345,909,000 | 1,218 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5454% | 4,894 |
| Cost of funding earning assets | 0.9902% | 3,449 |
| Net interest margin | 3.5552% | 4,908 |
| Noninterest income to average assets | 0.1434% | 6,433 |
| Noninterest expense to average assets | 3.1854% | 2,916 |
| Loan and lease loss provision to assets | 0.5779% | 1,791 |
| Net operating income to assets | -0.3774% | 6,397 |
| Return on assets (ROA) | -0.2032% | 6,332 |
| Pretax return on assets | -0.2032% | 6,288 |
| Return on Equity (ROE) | -3.1127% | 6,422 |
| Retained earnings to average equity (ytd only) | -3.1127% | 6,289 |
| Net charge-offs to loans | 1.0696% | 1,613 |
| Credit loss provision to net charge-offs | 78.5632% | 4,519 |
| Earnings coverage of net charge-offs (x) | 0.2725% | 5,628 |
| Efficiency ratio | 94.0791% | 920 |
| Assets per employee ($millions) | 4.1209% | 3,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1989% | 682 |
| Loan loss allowance to noncurrent loans | 58.9327% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 4.9247% | 1,089 |
| Noncurrent loans to loans | 5.4281% | 982 |
| Net loans and leases to total assets | 62.7231% | 3,463 |
| Net loans and leases to deposits | 71.6172% | 3,861 |
| Net loans and leases to core deposits | 73.4301% | 4,315 |
| Total domestic deposits to total assets | 87.5811% | 2,426 |
| Equity capital to assets | 7.2848% | 6,882 |
| Core capital (leverage) ratio | 6.3424% | 7,008 |
| Tier 1 risk-based capital ratio | 8.5434% | 7,080 |
| Total risk-based capital ratio | 9.8124% | 7,079 |
| Memoranda: | ||
| Average total assets | $586,607,600 | 1,127 |
| Average earning assets | $535,026,000 | 1,120 |
| Average equity | $38,295,200 | 1,759 |
| Average total loans | $403,426,600 | 1,056 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6007% | 4,863 |
| Cost of funding earning assets | 1.0472% | 3,335 |
| Net interest margin | 3.5534% | 4,964 |
| Noninterest income to average assets | 0.3049% | 5,421 |
| Noninterest expense to average assets | 3.2043% | 2,819 |
| Loan and lease loss provision to assets | 0.6038% | 1,629 |
| Net operating income to assets | -0.2574% | 6,446 |
| Return on assets (ROA) | -0.0292% | 6,296 |
| Pretax return on assets | -0.0292% | 6,262 |
| Return on Equity (ROE) | -0.4601% | 6,313 |
| Retained earnings to average equity (ytd only) | -0.4601% | 6,061 |
| Net charge-offs to loans | 1.0960% | 1,449 |
| Credit loss provision to net charge-offs | 79.0704% | 4,167 |
| Earnings coverage of net charge-offs (x) | 0.4537% | 5,285 |
| Efficiency ratio | 90.2427% | 1,149 |
| Assets per employee ($millions) | 4.1298% | 3,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9811% | 874 |
| Loan loss allowance to noncurrent loans | 60.3659% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 4.9547% | 1,169 |
| Noncurrent loans to loans | 4.9383% | 1,272 |
| Net loans and leases to total assets | 67.5378% | 2,564 |
| Net loans and leases to deposits | 77.1819% | 3,138 |
| Net loans and leases to core deposits | 79.1050% | 3,758 |
| Total domestic deposits to total assets | 87.5047% | 2,350 |
| Equity capital to assets | 7.4998% | 6,931 |
| Core capital (leverage) ratio | 6.2777% | 7,102 |
| Tier 1 risk-based capital ratio | 8.1370% | 7,180 |
| Total risk-based capital ratio | 9.4041% | 7,184 |
| Memoranda: | ||
| Average total assets | $597,271,000 | 1,110 |
| Average earning assets | $545,560,000 | 1,096 |
| Average equity | $37,962,500 | 1,779 |
| Average total loans | $416,168,250 | 1,013 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5912% | 5,000 |
| Cost of funding earning assets | 1.1053% | 3,206 |
| Net interest margin | 3.4859% | 5,223 |
| Noninterest income to average assets | 0.4690% | 4,120 |
| Noninterest expense to average assets | 3.1996% | 2,900 |
| Loan and lease loss provision to assets | 0.5217% | 1,876 |
| Net operating income to assets | -0.0608% | 6,309 |
| Return on assets (ROA) | 0.0722% | 6,159 |
| Pretax return on assets | 0.0722% | 6,147 |
| Return on Equity (ROE) | 1.2017% | 6,033 |
| Retained earnings to average equity (ytd only) | 1.2017% | 5,377 |
| Net charge-offs to loans | 1.0139% | 1,555 |
| Credit loss provision to net charge-offs | 73.8205% | 3,955 |
| Earnings coverage of net charge-offs (x) | 0.6522% | 4,808 |
| Efficiency ratio | 87.4096% | 1,470 |
| Assets per employee ($millions) | 4.3738% | 3,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8130% | 1,068 |
| Loan loss allowance to noncurrent loans | 57.8173% | 4,572 |
| Noncurrent assets plus other real estate owned to assets | 4.6765% | 1,334 |
| Noncurrent loans to loans | 4.8653% | 1,354 |
| Net loans and leases to total assets | 68.0737% | 2,596 |
| Net loans and leases to deposits | 76.9632% | 3,296 |
| Net loans and leases to core deposits | 78.8709% | 3,952 |
| Total domestic deposits to total assets | 88.4496% | 1,881 |
| Equity capital to assets | 6.4190% | 7,199 |
| Core capital (leverage) ratio | 5.8812% | 7,215 |
| Tier 1 risk-based capital ratio | 7.6801% | 7,270 |
| Total risk-based capital ratio | 8.9453% | 7,274 |
| Memoranda: | ||
| Average total assets | $611,897,670 | 1,080 |
| Average earning assets | $560,205,000 | 1,078 |
| Average equity | $36,782,330 | 1,819 |
| Average total loans | $426,480,330 | 1,009 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5587% | 5,133 |
| Cost of funding earning assets | 1.1383% | 3,241 |
| Net interest margin | 3.4204% | 5,349 |
| Noninterest income to average assets | 0.3746% | 4,912 |
| Noninterest expense to average assets | 3.1763% | 2,977 |
| Loan and lease loss provision to assets | 0.0932% | 4,850 |
| Net operating income to assets | 0.2403% | 5,645 |
| Return on assets (ROA) | 0.2403% | 5,715 |
| Pretax return on assets | 0.2403% | 5,834 |
| Return on Equity (ROE) | 4.1300% | 4,834 |
| Retained earnings to average equity (ytd only) | 4.1300% | 3,690 |
| Net charge-offs to loans | 0.1460% | 3,613 |
| Credit loss provision to net charge-offs | 91.7722% | 2,913 |
| Earnings coverage of net charge-offs (x) | 3.2848% | 2,790 |
| Efficiency ratio | 90.4997% | 1,293 |
| Assets per employee ($millions) | 4.3036% | 3,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8565% | 1,050 |
| Loan loss allowance to noncurrent loans | 50.4909% | 4,982 |
| Noncurrent assets plus other real estate owned to assets | 4.9209% | 1,284 |
| Noncurrent loans to loans | 5.6574% | 1,153 |
| Net loans and leases to total assets | 67.3464% | 2,687 |
| Net loans and leases to deposits | 75.5766% | 3,480 |
| Net loans and leases to core deposits | 77.9368% | 4,027 |
| Total domestic deposits to total assets | 89.1100% | 1,705 |
| Equity capital to assets | 5.9316% | 7,292 |
| Core capital (leverage) ratio | 5.7966% | 7,283 |
| Tier 1 risk-based capital ratio | 7.4304% | 7,331 |
| Total risk-based capital ratio | 8.6961% | 7,333 |
| Memoranda: | ||
| Average total assets | $622,613,500 | 1,068 |
| Average earning assets | $570,688,000 | 1,068 |
| Average equity | $36,222,500 | 1,826 |
| Average total loans | $432,927,500 | 1,010 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8285% | 5,320 |
| Cost of funding earning assets | 1.5207% | 2,526 |
| Net interest margin | 3.3078% | 5,955 |
| Noninterest income to average assets | 0.3311% | 5,427 |
| Noninterest expense to average assets | 3.0861% | 3,520 |
| Loan and lease loss provision to assets | 2.4348% | 468 |
| Net operating income to assets | -3.1282% | 7,321 |
| Return on assets (ROA) | -2.8584% | 7,285 |
| Pretax return on assets | -1.8938% | 6,988 |
| Return on Equity (ROE) | -36.9295% | 7,312 |
| Retained earnings to average equity (ytd only) | -36.9295% | 7,302 |
| Net charge-offs to loans | 3.1433% | 509 |
| Credit loss provision to net charge-offs | 108.3491% | 4,081 |
| Earnings coverage of net charge-offs (x) | 0.1206% | 6,001 |
| Efficiency ratio | 91.9252% | 1,189 |
| Assets per employee ($millions) | 4.4353% | 2,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7777% | 1,086 |
| Loan loss allowance to noncurrent loans | 46.8061% | 5,200 |
| Noncurrent assets plus other real estate owned to assets | 5.1848% | 1,214 |
| Noncurrent loans to loans | 5.9345% | 1,057 |
| Net loans and leases to total assets | 67.7993% | 3,029 |
| Net loans and leases to deposits | 75.8717% | 3,863 |
| Net loans and leases to core deposits | 78.3862% | 4,411 |
| Total domestic deposits to total assets | 89.3605% | 1,458 |
| Equity capital to assets | 5.7066% | 7,379 |
| Core capital (leverage) ratio | 5.5183% | 7,363 |
| Tier 1 risk-based capital ratio | 7.0826% | 7,412 |
| Total risk-based capital ratio | 8.3471% | 7,416 |
| Memoranda: | ||
| Average total assets | $657,718,000 | 1,012 |
| Average earning assets | $601,692,600 | 1,007 |
| Average equity | $50,907,800 | 1,307 |
| Average total loans | $470,211,600 | 957 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8452% | 5,487 |
| Cost of funding earning assets | 1.6013% | 2,381 |
| Net interest margin | 3.2440% | 6,194 |
| Noninterest income to average assets | 0.3679% | 5,209 |
| Noninterest expense to average assets | 3.0732% | 3,454 |
| Loan and lease loss provision to assets | 1.5275% | 861 |
| Net operating income to assets | -1.2675% | 7,010 |
| Return on assets (ROA) | -1.0031% | 6,951 |
| Pretax return on assets | -1.0031% | 6,868 |
| Return on Equity (ROE) | -12.2011% | 7,018 |
| Retained earnings to average equity (ytd only) | -12.2011% | 6,979 |
| Net charge-offs to loans | 1.4651% | 1,378 |
| Credit loss provision to net charge-offs | 144.9924% | 2,710 |
| Earnings coverage of net charge-offs (x) | 0.2468% | 5,770 |
| Efficiency ratio | 92.2008% | 1,114 |
| Assets per employee ($millions) | 4.4374% | 3,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8595% | 946 |
| Loan loss allowance to noncurrent loans | 48.0809% | 5,087 |
| Noncurrent assets plus other real estate owned to assets | 4.8979% | 1,328 |
| Noncurrent loans to loans | 5.9473% | 1,056 |
| Net loans and leases to total assets | 69.8907% | 2,755 |
| Net loans and leases to deposits | 80.5913% | 3,340 |
| Net loans and leases to core deposits | 83.3063% | 4,049 |
| Total domestic deposits to total assets | 86.7224% | 2,679 |
| Equity capital to assets | 8.0288% | 6,781 |
| Core capital (leverage) ratio | 7.0152% | 7,157 |
| Tier 1 risk-based capital ratio | 8.5221% | 7,432 |
| Total risk-based capital ratio | 9.7872% | 7,441 |
| Memoranda: | ||
| Average total assets | $664,693,500 | 1,010 |
| Average earning assets | $607,590,250 | 1,004 |
| Average equity | $54,649,500 | 1,223 |
| Average total loans | $477,961,750 | 947 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8479% | 5,611 |
| Cost of funding earning assets | 1.6939% | 2,147 |
| Net interest margin | 3.1540% | 6,452 |
| Noninterest income to average assets | 0.3315% | 5,509 |
| Noninterest expense to average assets | 3.0440% | 3,540 |
| Loan and lease loss provision to assets | 1.2051% | 1,162 |
| Net operating income to assets | -1.0321% | 6,960 |
| Return on assets (ROA) | -0.6388% | 6,795 |
| Pretax return on assets | -0.6388% | 6,692 |
| Return on Equity (ROE) | -7.7115% | 6,872 |
| Retained earnings to average equity (ytd only) | -7.7115% | 6,789 |
| Net charge-offs to loans | 1.9199% | 962 |
| Credit loss provision to net charge-offs | 87.3109% | 4,506 |
| Earnings coverage of net charge-offs (x) | 0.1254% | 5,597 |
| Efficiency ratio | 94.6207% | 1,035 |
| Assets per employee ($millions) | 4.5798% | 2,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1977% | 1,759 |
| Loan loss allowance to noncurrent loans | 35.2189% | 6,013 |
| Noncurrent assets plus other real estate owned to assets | 4.7786% | 1,358 |
| Noncurrent loans to loans | 6.2402% | 993 |
| Net loans and leases to total assets | 70.0358% | 2,889 |
| Net loans and leases to deposits | 80.7761% | 3,466 |
| Net loans and leases to core deposits | 83.1201% | 4,265 |
| Total domestic deposits to total assets | 86.7037% | 2,703 |
| Equity capital to assets | 8.2435% | 6,490 |
| Core capital (leverage) ratio | 7.8822% | 6,407 |
| Tier 1 risk-based capital ratio | 9.4415% | 7,289 |
| Total risk-based capital ratio | 10.6992% | 7,290 |
| Memoranda: | ||
| Average total assets | $670,302,330 | 1,008 |
| Average earning assets | $613,252,330 | 1,004 |
| Average equity | $55,527,330 | 1,188 |
| Average total loans | $481,906,330 | 950 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8383% | 5,732 |
| Cost of funding earning assets | 1.7586% | 2,084 |
| Net interest margin | 3.0797% | 6,645 |
| Noninterest income to average assets | 0.3049% | 5,705 |
| Noninterest expense to average assets | 3.0161% | 3,618 |
| Loan and lease loss provision to assets | 0.5529% | 2,289 |
| Net operating income to assets | -0.4381% | 6,792 |
| Return on assets (ROA) | 0.0379% | 6,309 |
| Pretax return on assets | 0.0379% | 6,286 |
| Return on Equity (ROE) | 0.4563% | 6,283 |
| Retained earnings to average equity (ytd only) | 0.4563% | 5,651 |
| Net charge-offs to loans | 0.6772% | 2,139 |
| Credit loss provision to net charge-offs | 113.3495% | 3,062 |
| Earnings coverage of net charge-offs (x) | 0.2354% | 4,831 |
| Efficiency ratio | 96.3320% | 1,007 |
| Assets per employee ($millions) | 4.6349% | 2,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2860% | 1,599 |
| Loan loss allowance to noncurrent loans | 33.0026% | 6,207 |
| Noncurrent assets plus other real estate owned to assets | 5.0463% | 1,267 |
| Noncurrent loans to loans | 6.9268% | 866 |
| Net loans and leases to total assets | 70.4451% | 2,813 |
| Net loans and leases to deposits | 81.1806% | 3,432 |
| Net loans and leases to core deposits | 83.3978% | 4,280 |
| Total domestic deposits to total assets | 86.7758% | 2,749 |
| Equity capital to assets | 8.3226% | 6,275 |
| Core capital (leverage) ratio | 8.1200% | 6,036 |
| Tier 1 risk-based capital ratio | 9.5441% | 7,283 |
| Total risk-based capital ratio | 10.8026% | 7,271 |
| Memoranda: | ||
| Average total assets | $675,704,500 | 1,018 |
| Average earning assets | $620,053,500 | 1,010 |
| Average equity | $56,108,000 | 1,185 |
| Average total loans | $486,727,500 | 962 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2171% | 5,575 |
| Cost of funding earning assets | 2.2028% | 2,021 |
| Net interest margin | 3.0143% | 6,608 |
| Noninterest income to average assets | 0.3734% | 5,421 |
| Noninterest expense to average assets | 3.0358% | 4,007 |
| Loan and lease loss provision to assets | 0.8518% | 2,606 |
| Net operating income to assets | -0.4806% | 6,158 |
| Return on assets (ROA) | -0.4806% | 6,150 |
| Pretax return on assets | -0.7622% | 6,244 |
| Return on Equity (ROE) | -5.5463% | 6,270 |
| Retained earnings to average equity (ytd only) | -5.5463% | 6,092 |
| Net charge-offs to loans | 0.5552% | 3,559 |
| Credit loss provision to net charge-offs | 218.2202% | 1,738 |
| Earnings coverage of net charge-offs (x) | 0.2294% | 5,901 |
| Efficiency ratio | 97.1352% | 1,263 |
| Assets per employee ($millions) | 4.6214% | 2,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2428% | 1,576 |
| Loan loss allowance to noncurrent loans | 71.9412% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 2.2957% | 3,010 |
| Noncurrent loans to loans | 3.1175% | 2,456 |
| Net loans and leases to total assets | 70.3585% | 3,168 |
| Net loans and leases to deposits | 81.0211% | 3,794 |
| Net loans and leases to core deposits | 102.1237% | 3,793 |
| Total domestic deposits to total assets | 86.8396% | 2,591 |
| Equity capital to assets | 8.2848% | 6,218 |
| Core capital (leverage) ratio | 8.0383% | 6,102 |
| Tier 1 risk-based capital ratio | 9.3306% | 7,312 |
| Total risk-based capital ratio | 10.5884% | 7,294 |
| Memoranda: | ||
| Average total assets | $667,900,800 | 1,036 |
| Average earning assets | $609,766,200 | 1,028 |
| Average equity | $57,876,200 | 1,143 |
| Average total loans | $469,532,600 | 1,028 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2330% | 5,746 |
| Cost of funding earning assets | 2.3053% | 1,966 |
| Net interest margin | 2.9277% | 6,784 |
| Noninterest income to average assets | 0.3877% | 5,408 |
| Noninterest expense to average assets | 3.0700% | 3,766 |
| Loan and lease loss provision to assets | 0.6011% | 2,990 |
| Net operating income to assets | -0.3817% | 6,293 |
| Return on assets (ROA) | -0.3817% | 6,292 |
| Pretax return on assets | -0.6155% | 6,407 |
| Return on Equity (ROE) | -4.3563% | 6,381 |
| Retained earnings to average equity (ytd only) | -4.3563% | 6,164 |
| Net charge-offs to loans | 0.4863% | 3,281 |
| Credit loss provision to net charge-offs | 176.8732% | 2,611 |
| Earnings coverage of net charge-offs (x) | -0.0425% | 6,117 |
| Efficiency ratio | 100.4724% | 1,039 |
| Assets per employee ($millions) | 4.5776% | 2,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9239% | 1,967 |
| Loan loss allowance to noncurrent loans | 57.5230% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 2.3416% | 2,937 |
| Noncurrent loans to loans | 3.3446% | 2,258 |
| Net loans and leases to total assets | 68.6649% | 3,803 |
| Net loans and leases to deposits | 79.1064% | 4,543 |
| Net loans and leases to core deposits | 99.6835% | 4,408 |
| Total domestic deposits to total assets | 86.8007% | 2,282 |
| Equity capital to assets | 8.5412% | 6,200 |
| Core capital (leverage) ratio | 8.2396% | 5,945 |
| Tier 1 risk-based capital ratio | 9.5256% | 7,354 |
| Total risk-based capital ratio | 10.7796% | 7,319 |
| Memoranda: | ||
| Average total assets | $665,038,250 | 1,053 |
| Average earning assets | $606,010,000 | 1,044 |
| Average equity | $58,274,500 | 1,150 |
| Average total loans | $464,679,000 | 1,053 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2827% | 5,737 |
| Cost of funding earning assets | 2.4192% | 1,882 |
| Net interest margin | 2.8635% | 6,876 |
| Noninterest income to average assets | 0.3876% | 5,397 |
| Noninterest expense to average assets | 3.1864% | 3,369 |
| Loan and lease loss provision to assets | 0.7064% | 2,313 |
| Net operating income to assets | -0.5733% | 6,623 |
| Return on assets (ROA) | -0.5733% | 6,633 |
| Pretax return on assets | -0.9115% | 6,755 |
| Return on Equity (ROE) | -6.4859% | 6,757 |
| Retained earnings to average equity (ytd only) | -6.4859% | 6,509 |
| Net charge-offs to loans | 0.2124% | 4,186 |
| Credit loss provision to net charge-offs | 476.2781% | 976 |
| Earnings coverage of net charge-offs (x) | -1.3824% | 6,304 |
| Efficiency ratio | 106.8776% | 944 |
| Assets per employee ($millions) | 4.5562% | 2,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0739% | 1,435 |
| Loan loss allowance to noncurrent loans | 63.0160% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 2.3422% | 2,773 |
| Noncurrent loans to loans | 3.2910% | 2,148 |
| Net loans and leases to total assets | 68.0923% | 4,139 |
| Net loans and leases to deposits | 78.4659% | 4,791 |
| Net loans and leases to core deposits | 98.3353% | 4,666 |
| Total domestic deposits to total assets | 86.7795% | 2,364 |
| Equity capital to assets | 8.5069% | 6,036 |
| Core capital (leverage) ratio | 8.2902% | 5,818 |
| Tier 1 risk-based capital ratio | 9.6041% | 7,312 |
| Total risk-based capital ratio | 10.8594% | 7,261 |
| Memoranda: | ||
| Average total assets | $659,364,670 | 1,082 |
| Average earning assets | $597,231,670 | 1,081 |
| Average equity | $58,280,670 | 1,163 |
| Average total loans | $460,398,000 | 1,085 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3202% | 5,810 |
| Cost of funding earning assets | 2.4461% | 2,119 |
| Net interest margin | 2.8741% | 6,821 |
| Noninterest income to average assets | 0.3995% | 5,212 |
| Noninterest expense to average assets | 3.2294% | 2,860 |
| Loan and lease loss provision to assets | 0.0442% | 6,413 |
| Net operating income to assets | -0.2743% | 6,653 |
| Return on assets (ROA) | -0.2743% | 6,726 |
| Pretax return on assets | -0.2743% | 6,646 |
| Return on Equity (ROE) | -3.0439% | 6,785 |
| Retained earnings to average equity (ytd only) | -3.0439% | 6,288 |
| Net charge-offs to loans | 0.0745% | 4,437 |
| Credit loss provision to net charge-offs | 84.7059% | 4,112 |
| Earnings coverage of net charge-offs (x) | -4.4118% | 5,556 |
| Efficiency ratio | 107.6718% | 877 |
| Assets per employee ($millions) | 4.4729% | 2,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7350% | 2,024 |
| Loan loss allowance to noncurrent loans | 54.4517% | 4,921 |
| Noncurrent assets plus other real estate owned to assets | 2.2086% | 2,587 |
| Noncurrent loans to loans | 3.1862% | 2,032 |
| Net loans and leases to total assets | 66.4445% | 4,479 |
| Net loans and leases to deposits | 76.9244% | 5,095 |
| Net loans and leases to core deposits | 95.7993% | 4,991 |
| Total domestic deposits to total assets | 86.3765% | 2,508 |
| Equity capital to assets | 8.7575% | 5,683 |
| Core capital (leverage) ratio | 8.7905% | 5,007 |
| Tier 1 risk-based capital ratio | 9.9765% | 6,955 |
| Total risk-based capital ratio | 11.2281% | 6,852 |
| Memoranda: | ||
| Average total assets | $651,890,000 | 1,091 |
| Average earning assets | $589,677,500 | 1,101 |
| Average equity | $58,739,500 | 1,159 |
| Average total loans | $456,157,000 | 1,101 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8435% | 6,285 |
| Cost of funding earning assets | 2.7507% | 2,922 |
| Net interest margin | 3.0927% | 6,669 |
| Noninterest income to average assets | 0.3356% | 6,056 |
| Noninterest expense to average assets | 3.0414% | 3,935 |
| Loan and lease loss provision to assets | 0.7994% | 1,856 |
| Net operating income to assets | -0.4145% | 6,840 |
| Return on assets (ROA) | -0.3994% | 6,702 |
| Pretax return on assets | -0.6423% | 6,767 |
| Return on Equity (ROE) | -4.0267% | 6,748 |
| Retained earnings to average equity (ytd only) | -4.0267% | 6,329 |
| Net charge-offs to loans | 0.9862% | 1,257 |
| Credit loss provision to net charge-offs | 110.9837% | 4,860 |
| Earnings coverage of net charge-offs (x) | 0.1853% | 6,132 |
| Efficiency ratio | 95.7967% | 1,172 |
| Assets per employee ($millions) | 4.1910% | 3,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7190% | 1,849 |
| Loan loss allowance to noncurrent loans | 73.1287% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 1.7609% | 2,774 |
| Noncurrent loans to loans | 2.3506% | 2,338 |
| Net loans and leases to total assets | 71.2274% | 3,742 |
| Net loans and leases to deposits | 83.4532% | 4,506 |
| Net loans and leases to core deposits | 102.3073% | 4,577 |
| Total domestic deposits to total assets | 85.3501% | 2,686 |
| Equity capital to assets | 9.2790% | 4,960 |
| Core capital (leverage) ratio | 9.4792% | 4,037 |
| Tier 1 risk-based capital ratio | 10.0627% | 6,673 |
| Total risk-based capital ratio | 11.3143% | 6,545 |
| Memoranda: | ||
| Average total assets | $605,482,800 | 1,116 |
| Average earning assets | $555,849,600 | 1,107 |
| Average equity | $60,048,600 | 1,122 |
| Average total loans | $442,219,600 | 1,087 |