Home > BNC National Bank > Performance and Condition Ratios
BNC National Bank, Performance and Condition Ratios
| 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 | 5.2656% | 2,524 |
| Cost of funding earning assets | 1.6319% | 3,103 |
| Net interest margin | 3.6337% | 1,777 |
| Noninterest income to average assets | 0.6700% | 1,244 |
| Noninterest expense to average assets | 2.7870% | 1,482 |
| Loan and lease loss provision to assets | 0.0500% | 2,008 |
| Net operating income to assets | 0.9504% | 2,213 |
| Return on assets (ROA) | 0.9504% | 2,221 |
| Pretax return on assets | 1.2423% | 1,899 |
| Return on Equity (ROE) | 8.0900% | 2,747 |
| Retained earnings to average equity (ytd only) | 8.0876% | 1,366 |
| Net charge-offs to loans | 0.0291% | 1,740 |
| Credit loss provision to net charge-offs | 266.8919% | 912 |
| Earnings coverage of net charge-offs (x) | 61.1149% | 1,085 |
| Efficiency ratio | 68.3087% | 2,227 |
| Assets per employee ($millions) | 6.9909% | 2,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3951% | 1,360 |
| Loan loss allowance to noncurrent loans | 162.2850% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 0.6364% | 1,131 |
| Noncurrent loans to loans | 0.8596% | 1,169 |
| Net loans and leases to total assets | 73.0000% | 1,486 |
| Net loans and leases to deposits | 83.8818% | 1,828 |
| Net loans and leases to core deposits | 91.3145% | 2,054 |
| Total domestic deposits to total assets | 87.0300% | 1,588 |
| Equity capital to assets | 12.4968% | 1,108 |
| Core capital (leverage) ratio | 13.3297% | 991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2434% | 1,246 |
| Memoranda: | ||
| Average total assets | $932,685,500 | 1,067 |
| Average earning assets | $875,749,750 | 1,053 |
| Average equity | $109,596,750 | 935 |
| Average total loans | $679,222,000 | 1,033 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2220% | 2,496 |
| Cost of funding earning assets | 1.5945% | 3,086 |
| Net interest margin | 3.6276% | 1,738 |
| Noninterest income to average assets | 0.6800% | 1,149 |
| Noninterest expense to average assets | 2.8340% | 1,392 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 0.9158% | 2,264 |
| Return on assets (ROA) | 0.9158% | 2,271 |
| Pretax return on assets | 1.1972% | 1,932 |
| Return on Equity (ROE) | 7.9600% | 2,744 |
| Retained earnings to average equity (ytd only) | 7.9600% | 1,378 |
| Net charge-offs to loans | 0.0298% | 1,558 |
| Credit loss provision to net charge-offs | 262.3762% | 873 |
| Earnings coverage of net charge-offs (x) | 57.9010% | 1,030 |
| Efficiency ratio | 69.3998% | 2,180 |
| Assets per employee ($millions) | 6.8228% | 2,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3752% | 1,459 |
| Loan loss allowance to noncurrent loans | 318.1145% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.3249% | 1,866 |
| Noncurrent loans to loans | 0.4323% | 1,914 |
| Net loans and leases to total assets | 74.1100% | 1,397 |
| Net loans and leases to deposits | 84.7127% | 1,770 |
| Net loans and leases to core deposits | 90.2892% | 2,128 |
| Total domestic deposits to total assets | 87.4800% | 1,485 |
| Equity capital to assets | 11.9913% | 1,169 |
| Core capital (leverage) ratio | 13.3642% | 973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8603% | 1,304 |
| Memoranda: | ||
| Average total assets | $935,980,333 | 1,069 |
| Average earning assets | $878,546,000 | 1,051 |
| Average equity | $107,688,667 | 941 |
| Average total loans | $677,895,667 | 1,030 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2610% | 2,268 |
| Cost of funding earning assets | 1.6192% | 2,940 |
| Net interest margin | 3.6418% | 1,657 |
| Noninterest income to average assets | 0.6800% | 1,089 |
| Noninterest expense to average assets | 2.8537% | 1,332 |
| Loan and lease loss provision to assets | 0.0900% | 1,130 |
| Net operating income to assets | 0.8850% | 2,274 |
| Return on assets (ROA) | 0.8850% | 2,288 |
| Pretax return on assets | 1.1571% | 1,992 |
| Return on Equity (ROE) | 7.8500% | 2,733 |
| Retained earnings to average equity (ytd only) | 7.8525% | 1,589 |
| Net charge-offs to loans | 0.0303% | 1,266 |
| Credit loss provision to net charge-offs | 450.9804% | 541 |
| Earnings coverage of net charge-offs (x) | 57.9216% | 909 |
| Efficiency ratio | 69.5746% | 2,196 |
| Assets per employee ($millions) | 6.8658% | 2,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3960% | 1,408 |
| Loan loss allowance to noncurrent loans | 275.7284% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.3703% | 1,644 |
| Noncurrent loans to loans | 0.5063% | 1,654 |
| Net loans and leases to total assets | 72.1100% | 1,547 |
| Net loans and leases to deposits | 82.1321% | 1,877 |
| Net loans and leases to core deposits | 84.0941% | 2,447 |
| Total domestic deposits to total assets | 87.8000% | 1,493 |
| Equity capital to assets | 11.5896% | 1,263 |
| Core capital (leverage) ratio | 12.4859% | 1,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5782% | 1,376 |
| Memoranda: | ||
| Average total assets | $946,842,500 | 1,071 |
| Average earning assets | $888,353,500 | 1,049 |
| Average equity | $106,717,500 | 949 |
| Average total loans | $673,339,000 | 1,040 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9852% | 2,096 |
| Cost of funding earning assets | 1.1618% | 2,906 |
| Net interest margin | 3.8234% | 1,529 |
| Noninterest income to average assets | 1.1100% | 542 |
| Noninterest expense to average assets | 3.6246% | 492 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.7476% | 3,048 |
| Return on assets (ROA) | 0.7485% | 3,033 |
| Pretax return on assets | 0.9691% | 2,753 |
| Return on Equity (ROE) | 6.9100% | 3,304 |
| Retained earnings to average equity (ytd only) | 6.9140% | 1,914 |
| Net charge-offs to loans | 0.0463% | 1,418 |
| Credit loss provision to net charge-offs | 265.7051% | 1,029 |
| Earnings coverage of net charge-offs (x) | 31.4423% | 1,606 |
| Efficiency ratio | 77.4452% | 1,122 |
| Assets per employee ($millions) | 6.9554% | 2,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3881% | 1,421 |
| Loan loss allowance to noncurrent loans | 277.0516% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.3466% | 1,577 |
| Noncurrent loans to loans | 0.5010% | 1,535 |
| Net loans and leases to total assets | 68.2200% | 2,012 |
| Net loans and leases to deposits | 77.1984% | 2,339 |
| Net loans and leases to core deposits | 79.1029% | 2,760 |
| Total domestic deposits to total assets | 88.3700% | 1,240 |
| Equity capital to assets | 10.9654% | 1,497 |
| Core capital (leverage) ratio | 12.5409% | 1,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3991% | 1,419 |
| Memoranda: | ||
| Average total assets | $929,321,000 | 1,053 |
| Average earning assets | $868,635,000 | 1,034 |
| Average equity | $100,608,000 | 942 |
| Average total loans | $673,277,600 | 995 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9361% | 1,981 |
| Cost of funding earning assets | 1.0545% | 2,877 |
| Net interest margin | 3.8817% | 1,442 |
| Noninterest income to average assets | 1.2600% | 473 |
| Noninterest expense to average assets | 3.9372% | 374 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.6531% | 3,422 |
| Return on assets (ROA) | 0.6544% | 3,411 |
| Pretax return on assets | 0.8554% | 3,203 |
| Return on Equity (ROE) | 6.0600% | 3,627 |
| Retained earnings to average equity (ytd only) | 6.0649% | 2,605 |
| Net charge-offs to loans | 0.0490% | 1,190 |
| Credit loss provision to net charge-offs | 252.8226% | 977 |
| Earnings coverage of net charge-offs (x) | 26.3145% | 1,671 |
| Efficiency ratio | 80.6304% | 826 |
| Assets per employee ($millions) | 6.5158% | 2,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3750% | 1,561 |
| Loan loss allowance to noncurrent loans | 650.9609% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.1540% | 2,550 |
| Noncurrent loans to loans | 0.2112% | 2,504 |
| Net loans and leases to total assets | 71.9100% | 1,584 |
| Net loans and leases to deposits | 81.2918% | 1,957 |
| Net loans and leases to core deposits | 83.0991% | 2,389 |
| Total domestic deposits to total assets | 88.4600% | 1,424 |
| Equity capital to assets | 10.9175% | 1,378 |
| Core capital (leverage) ratio | 12.3516% | 1,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1442% | 1,523 |
| Memoranda: | ||
| Average total assets | $919,949,500 | 1,068 |
| Average earning assets | $859,164,000 | 1,043 |
| Average equity | $99,256,500 | 949 |
| Average total loans | $674,395,000 | 992 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8085% | 1,975 |
| Cost of funding earning assets | 0.8797% | 2,992 |
| Net interest margin | 3.9289% | 1,374 |
| Noninterest income to average assets | 1.6200% | 299 |
| Noninterest expense to average assets | 4.4343% | 280 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 0.5880% | 3,611 |
| Return on assets (ROA) | 0.5899% | 3,611 |
| Pretax return on assets | 0.7711% | 3,462 |
| Return on Equity (ROE) | 5.4900% | 3,802 |
| Retained earnings to average equity (ytd only) | 5.4889% | 2,789 |
| Net charge-offs to loans | 0.0440% | 1,066 |
| Credit loss provision to net charge-offs | 271.8121% | 910 |
| Earnings coverage of net charge-offs (x) | 26.5168% | 1,610 |
| Efficiency ratio | 83.8107% | 608 |
| Assets per employee ($millions) | 4.5977% | 3,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2708% | 2,063 |
| Loan loss allowance to noncurrent loans | 627.6151% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.1544% | 2,467 |
| Noncurrent loans to loans | 0.2025% | 2,455 |
| Net loans and leases to total assets | 75.2900% | 1,125 |
| Net loans and leases to deposits | 85.0484% | 1,582 |
| Net loans and leases to core deposits | 86.4967% | 2,030 |
| Total domestic deposits to total assets | 88.5200% | 1,417 |
| Equity capital to assets | 10.7587% | 1,482 |
| Core capital (leverage) ratio | 12.0842% | 1,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7591% | 1,635 |
| Memoranda: | ||
| Average total assets | $922,527,333 | 1,055 |
| Average earning assets | $861,469,000 | 1,036 |
| Average equity | $99,145,000 | 942 |
| Average total loans | $677,478,000 | 979 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6747% | 1,912 |
| Cost of funding earning assets | 0.6317% | 3,286 |
| Net interest margin | 4.0430% | 1,192 |
| Noninterest income to average assets | 1.6100% | 302 |
| Noninterest expense to average assets | 4.2466% | 313 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 0.7819% | 3,248 |
| Return on assets (ROA) | 0.7857% | 3,185 |
| Pretax return on assets | 1.0272% | 2,912 |
| Return on Equity (ROE) | 7.3100% | 3,456 |
| Retained earnings to average equity (ytd only) | 7.3149% | 2,415 |
| Net charge-offs to loans | 0.0308% | 1,092 |
| Credit loss provision to net charge-offs | 431.3725% | 595 |
| Earnings coverage of net charge-offs (x) | 50.7843% | 1,099 |
| Efficiency ratio | 79.0300% | 902 |
| Assets per employee ($millions) | 4.3305% | 4,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3341% | 1,880 |
| Loan loss allowance to noncurrent loans | 608.7193% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.1638% | 2,362 |
| Noncurrent loans to loans | 0.2192% | 2,380 |
| Net loans and leases to total assets | 73.7200% | 1,237 |
| Net loans and leases to deposits | 83.6292% | 1,527 |
| Net loans and leases to core deposits | 84.7711% | 1,941 |
| Total domestic deposits to total assets | 88.1600% | 1,869 |
| Equity capital to assets | 11.2177% | 1,262 |
| Core capital (leverage) ratio | 12.1719% | 1,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9638% | 1,638 |
| Memoranda: | ||
| Average total assets | $919,426,000 | 1,072 |
| Average earning assets | $856,691,000 | 1,063 |
| Average equity | $98,758,000 | 955 |
| Average total loans | $662,108,500 | 1,007 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7107% | 2,499 |
| Cost of funding earning assets | 0.2406% | 3,411 |
| Net interest margin | 3.4701% | 2,037 |
| Noninterest income to average assets | 2.0100% | 240 |
| Noninterest expense to average assets | 4.2893% | 275 |
| Loan and lease loss provision to assets | -0.0200% | 4,323 |
| Net operating income to assets | 0.7647% | 3,439 |
| Return on assets (ROA) | 0.7647% | 3,381 |
| Pretax return on assets | 0.9830% | 3,122 |
| Return on Equity (ROE) | 6.7500% | 3,684 |
| Retained earnings to average equity (ytd only) | -5.5693% | 4,585 |
| Net charge-offs to loans | 0.0158% | 1,799 |
| Credit loss provision to net charge-offs | -151.5152% | 4,592 |
| Earnings coverage of net charge-offs (x) | 94.5657% | 996 |
| Efficiency ratio | 81.5948% | 620 |
| Assets per employee ($millions) | 4.6887% | 3,907 |
| Cash dividends to net income (ytd only)* | 182.4571% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3495% | 1,687 |
| Loan loss allowance to noncurrent loans | 651.7343% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.1438% | 2,528 |
| Noncurrent loans to loans | 0.2071% | 2,460 |
| Net loans and leases to total assets | 68.5000% | 1,785 |
| Net loans and leases to deposits | 77.0574% | 2,033 |
| Net loans and leases to core deposits | 78.4499% | 2,244 |
| Total domestic deposits to total assets | 88.9000% | 1,747 |
| Equity capital to assets | 10.2881% | 1,562 |
| Core capital (leverage) ratio | 11.9696% | 1,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1862% | 1,571 |
| Memoranda: | ||
| Average total assets | $967,613,200 | 1,010 |
| Average earning assets | $906,348,800 | 989 |
| Average equity | $109,546,000 | 889 |
| Average total loans | $626,009,400 | 1,008 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4946% | 2,638 |
| Cost of funding earning assets | 0.1854% | 3,448 |
| Net interest margin | 3.3092% | 2,266 |
| Noninterest income to average assets | 2.1900% | 243 |
| Noninterest expense to average assets | 4.3453% | 272 |
| Loan and lease loss provision to assets | -0.0500% | 4,490 |
| Net operating income to assets | 0.7706% | 3,351 |
| Return on assets (ROA) | 0.7706% | 3,309 |
| Pretax return on assets | 1.0073% | 2,992 |
| Return on Equity (ROE) | 6.6600% | 3,662 |
| Retained earnings to average equity (ytd only) | 6.6598% | 2,489 |
| Net charge-offs to loans | 0.0136% | 1,614 |
| Credit loss provision to net charge-offs | -634.9206% | 4,705 |
| Earnings coverage of net charge-offs (x) | 110.4444% | 892 |
| Efficiency ratio | 82.0197% | 650 |
| Assets per employee ($millions) | 3.7807% | 4,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3318% | 1,880 |
| Loan loss allowance to noncurrent loans | 653.2980% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.1396% | 2,627 |
| Noncurrent loans to loans | 0.2039% | 2,581 |
| Net loans and leases to total assets | 67.5400% | 1,723 |
| Net loans and leases to deposits | 77.0533% | 1,793 |
| Net loans and leases to core deposits | 78.3826% | 2,014 |
| Total domestic deposits to total assets | 87.6600% | 2,531 |
| Equity capital to assets | 11.4192% | 1,032 |
| Core capital (leverage) ratio | 12.9652% | 917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7742% | 1,220 |
| Memoranda: | ||
| Average total assets | $973,907,000 | 1,010 |
| Average earning assets | $914,123,750 | 990 |
| Average equity | $112,692,750 | 880 |
| Average total loans | $618,909,500 | 1,012 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2690% | 2,837 |
| Cost of funding earning assets | 0.1444% | 3,642 |
| Net interest margin | 3.1246% | 2,458 |
| Noninterest income to average assets | 2.3331% | 198 |
| Noninterest expense to average assets | 4.3421% | 231 |
| Loan and lease loss provision to assets | -0.1118% | 4,613 |
| Net operating income to assets | 0.7943% | 2,981 |
| Return on assets (ROA) | 0.7943% | 2,951 |
| Pretax return on assets | 1.0383% | 2,614 |
| Return on Equity (ROE) | 6.8358% | 3,350 |
| Retained earnings to average equity (ytd only) | 6.8358% | 2,039 |
| Net charge-offs to loans | 0.0141% | 1,486 |
| Credit loss provision to net charge-offs | -1,279.0698% | 3,605 |
| Earnings coverage of net charge-offs (x) | 105.9535% | 786 |
| Efficiency ratio | 82.4147% | 769 |
| Assets per employee ($millions) | 3.5709% | 4,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3603% | 1,923 |
| Loan loss allowance to noncurrent loans | 603.6273% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.1532% | 2,640 |
| Noncurrent loans to loans | 0.2254% | 2,594 |
| Net loans and leases to total assets | 67.0589% | 1,574 |
| Net loans and leases to deposits | 77.0332% | 1,605 |
| Net loans and leases to core deposits | 78.4770% | 1,820 |
| Total domestic deposits to total assets | 87.0519% | 2,919 |
| Equity capital to assets | 12.1204% | 838 |
| Core capital (leverage) ratio | 12.5690% | 953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9177% | 1,202 |
| Memoranda: | ||
| Average total assets | $983,485,667 | 990 |
| Average earning assets | $923,958,333 | 984 |
| Average equity | $114,280,000 | 875 |
| Average total loans | $609,538,667 | 1,009 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0562% | 3,094 |
| Cost of funding earning assets | 0.1414% | 3,607 |
| Net interest margin | 2.9148% | 2,788 |
| Noninterest income to average assets | 2.2027% | 206 |
| Noninterest expense to average assets | 4.3028% | 230 |
| Loan and lease loss provision to assets | -0.2165% | 4,699 |
| Net operating income to assets | 0.6572% | 3,205 |
| Return on assets (ROA) | 0.6572% | 3,181 |
| Pretax return on assets | 0.8591% | 2,913 |
| Return on Equity (ROE) | 5.7683% | 3,409 |
| Retained earnings to average equity (ytd only) | 5.7683% | 2,326 |
| Net charge-offs to loans | 0.0365% | 931 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,262 |
| Earnings coverage of net charge-offs (x) | 29.6909% | 1,137 |
| Efficiency ratio | 87.0046% | 678 |
| Assets per employee ($millions) | 3.5733% | 4,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4268% | 1,812 |
| Loan loss allowance to noncurrent loans | 578.1037% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.1486% | 2,757 |
| Noncurrent loans to loans | 0.2468% | 2,609 |
| Net loans and leases to total assets | 59.3697% | 2,138 |
| Net loans and leases to deposits | 67.6386% | 2,191 |
| Net loans and leases to core deposits | 69.2056% | 2,358 |
| Total domestic deposits to total assets | 87.7749% | 2,636 |
| Equity capital to assets | 11.4934% | 1,127 |
| Core capital (leverage) ratio | 11.0347% | 1,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3833% | 982 |
| Memoranda: | ||
| Average total assets | $1,016,370,500 | 964 |
| Average earning assets | $956,362,000 | 958 |
| Average equity | $115,804,500 | 884 |
| Average total loans | $602,359,500 | 1,018 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2652% | 3,311 |
| Cost of funding earning assets | 0.1888% | 3,569 |
| Net interest margin | 3.0764% | 2,975 |
| Noninterest income to average assets | 4.1332% | 132 |
| Noninterest expense to average assets | 4.3479% | 230 |
| Loan and lease loss provision to assets | -0.0322% | 4,281 |
| Net operating income to assets | 2.0743% | 300 |
| Return on assets (ROA) | 2.0743% | 313 |
| Pretax return on assets | 2.7150% | 196 |
| Return on Equity (ROE) | 18.1951% | 448 |
| Retained earnings to average equity (ytd only) | -1.9545% | 4,623 |
| Net charge-offs to loans | 0.1284% | 714 |
| Credit loss provision to net charge-offs | -39.1499% | 3,233 |
| Earnings coverage of net charge-offs (x) | 32.6600% | 1,551 |
| Efficiency ratio | 61.8417% | 2,894 |
| Assets per employee ($millions) | 3.7917% | 4,499 |
| Cash dividends to net income (ytd only)* | 110.7420% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4868% | 1,607 |
| Loan loss allowance to noncurrent loans | 542.7376% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.1599% | 2,822 |
| Noncurrent loans to loans | 0.2739% | 2,626 |
| Net loans and leases to total assets | 57.4902% | 2,428 |
| Net loans and leases to deposits | 65.5451% | 2,553 |
| Net loans and leases to core deposits | 66.8552% | 2,743 |
| Total domestic deposits to total assets | 87.7110% | 2,188 |
| Equity capital to assets | 11.3001% | 1,605 |
| Core capital (leverage) ratio | 10.6492% | 1,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2746% | 992 |
| Memoranda: | ||
| Average total assets | $1,088,333,800 | 901 |
| Average earning assets | $1,025,049,800 | 886 |
| Average equity | $124,072,000 | 835 |
| Average total loans | $696,396,800 | 882 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3106% | 3,362 |
| Cost of funding earning assets | 0.2030% | 3,574 |
| Net interest margin | 3.1076% | 3,036 |
| Noninterest income to average assets | 4.5115% | 125 |
| Noninterest expense to average assets | 4.3825% | 232 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.3219% | 268 |
| Return on assets (ROA) | 2.3219% | 275 |
| Pretax return on assets | 3.0543% | 169 |
| Return on Equity (ROE) | 20.3246% | 403 |
| Retained earnings to average equity (ytd only) | -6.2296% | 4,805 |
| Net charge-offs to loans | 0.0139% | 1,814 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 335.6133% | 406 |
| Efficiency ratio | 58.9300% | 3,133 |
| Assets per employee ($millions) | 3.8306% | 4,532 |
| Cash dividends to net income (ytd only)* | 130.6506% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6169% | 1,297 |
| Loan loss allowance to noncurrent loans | 406.5450% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.2359% | 2,597 |
| Noncurrent loans to loans | 0.3977% | 2,369 |
| Net loans and leases to total assets | 58.3511% | 2,442 |
| Net loans and leases to deposits | 66.2537% | 2,609 |
| Net loans and leases to core deposits | 67.7656% | 2,800 |
| Total domestic deposits to total assets | 88.0722% | 1,798 |
| Equity capital to assets | 10.9131% | 2,080 |
| Core capital (leverage) ratio | 10.3320% | 2,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0428% | 1,124 |
| Memoranda: | ||
| Average total assets | $1,098,792,000 | 899 |
| Average earning assets | $1,034,349,250 | 886 |
| Average equity | $125,526,000 | 839 |
| Average total loans | $717,817,000 | 875 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4055% | 3,169 |
| Cost of funding earning assets | 0.2244% | 3,520 |
| Net interest margin | 3.1811% | 2,810 |
| Noninterest income to average assets | 4.9210% | 117 |
| Noninterest expense to average assets | 4.5052% | 221 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.5784% | 201 |
| Return on assets (ROA) | 2.5784% | 212 |
| Pretax return on assets | 3.4069% | 124 |
| Return on Equity (ROE) | 22.2507% | 300 |
| Retained earnings to average equity (ytd only) | 6.6853% | 2,545 |
| Net charge-offs to loans | 0.0083% | 1,829 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 609.2903% | 223 |
| Efficiency ratio | 56.9406% | 3,414 |
| Assets per employee ($millions) | 3.5691% | 4,638 |
| Cash dividends to net income (ytd only)* | 69.9545% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5884% | 1,303 |
| Loan loss allowance to noncurrent loans | 395.7324% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.2530% | 2,660 |
| Noncurrent loans to loans | 0.4014% | 2,473 |
| Net loans and leases to total assets | 62.0387% | 2,173 |
| Net loans and leases to deposits | 71.7841% | 2,233 |
| Net loans and leases to core deposits | 73.3588% | 2,479 |
| Total domestic deposits to total assets | 86.4240% | 2,583 |
| Equity capital to assets | 12.4317% | 1,165 |
| Core capital (leverage) ratio | 10.5106% | 1,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9132% | 821 |
| Memoranda: | ||
| Average total assets | $1,108,808,000 | 887 |
| Average earning assets | $1,042,610,333 | 872 |
| Average equity | $128,490,333 | 816 |
| Average total loans | $745,798,333 | 855 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6014% | 2,636 |
| Cost of funding earning assets | 0.2267% | 3,667 |
| Net interest margin | 3.3747% | 2,174 |
| Noninterest income to average assets | 6.1142% | 104 |
| Noninterest expense to average assets | 4.7060% | 187 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 3.4593% | 113 |
| Return on assets (ROA) | 3.4593% | 122 |
| Pretax return on assets | 4.5790% | 82 |
| Return on Equity (ROE) | 30.8564% | 127 |
| Retained earnings to average equity (ytd only) | 30.8564% | 72 |
| Net charge-offs to loans | 0.0237% | 1,273 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 279.9149% | 314 |
| Efficiency ratio | 50.6841% | 4,127 |
| Assets per employee ($millions) | 3.9413% | 4,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3374% | 2,263 |
| Loan loss allowance to noncurrent loans | 394.5106% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.2125% | 3,096 |
| Noncurrent loans to loans | 0.3390% | 2,882 |
| Net loans and leases to total assets | 61.8525% | 2,302 |
| Net loans and leases to deposits | 70.6483% | 2,443 |
| Net loans and leases to core deposits | 79.1008% | 2,088 |
| Total domestic deposits to total assets | 87.5499% | 2,068 |
| Equity capital to assets | 10.8486% | 1,968 |
| Core capital (leverage) ratio | 11.4889% | 1,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0767% | 917 |
| Memoranda: | ||
| Average total assets | $1,149,257,000 | 852 |
| Average earning assets | $1,079,792,000 | 839 |
| Average equity | $128,842,000 | 805 |
| Average total loans | $794,700,000 | 817 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7200% | 3,524 |
| Cost of funding earning assets | 0.3981% | 3,593 |
| Net interest margin | 3.3219% | 3,016 |
| Noninterest income to average assets | 8.0482% | 87 |
| Noninterest expense to average assets | 5.2779% | 171 |
| Loan and lease loss provision to assets | 0.2527% | 1,532 |
| Net operating income to assets | 4.2735% | 52 |
| Return on assets (ROA) | 4.3579% | 52 |
| Pretax return on assets | 5.7147% | 46 |
| Return on Equity (ROE) | 38.8226% | 32 |
| Retained earnings to average equity (ytd only) | 13.5266% | 215 |
| Net charge-offs to loans | 0.0639% | 1,864 |
| Credit loss provision to net charge-offs | 548.2546% | 1,180 |
| Earnings coverage of net charge-offs (x) | 127.1437% | 673 |
| Efficiency ratio | 47.3845% | 4,657 |
| Assets per employee ($millions) | 3.4165% | 4,683 |
| Cash dividends to net income (ytd only)* | 65.1579% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2575% | 2,629 |
| Loan loss allowance to noncurrent loans | 395.2527% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.2435% | 3,068 |
| Noncurrent loans to loans | 0.3182% | 3,062 |
| Net loans and leases to total assets | 75.5656% | 835 |
| Net loans and leases to deposits | 91.1079% | 847 |
| Net loans and leases to core deposits | 93.7013% | 1,265 |
| Total domestic deposits to total assets | 82.9408% | 3,430 |
| Equity capital to assets | 11.6249% | 1,792 |
| Core capital (leverage) ratio | 10.9205% | 1,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7200% | 1,335 |
| Memoranda: | ||
| Average total assets | $1,056,529,000 | 839 |
| Average earning assets | $982,865,600 | 832 |
| Average equity | $118,596,000 | 829 |
| Average total loans | $762,015,200 | 813 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7176% | 3,762 |
| Cost of funding earning assets | 0.4417% | 3,578 |
| Net interest margin | 3.2759% | 3,258 |
| Noninterest income to average assets | 7.7756% | 82 |
| Noninterest expense to average assets | 5.0576% | 183 |
| Loan and lease loss provision to assets | 0.3040% | 1,327 |
| Net operating income to assets | 4.1204% | 50 |
| Return on assets (ROA) | 4.2332% | 49 |
| Pretax return on assets | 5.6069% | 45 |
| Return on Equity (ROE) | 38.0579% | 35 |
| Retained earnings to average equity (ytd only) | 20.9742% | 74 |
| Net charge-offs to loans | 0.0956% | 1,349 |
| Credit loss provision to net charge-offs | 447.7612% | 1,370 |
| Earnings coverage of net charge-offs (x) | 84.9459% | 888 |
| Efficiency ratio | 46.7187% | 4,678 |
| Assets per employee ($millions) | 3.5707% | 4,627 |
| Cash dividends to net income (ytd only)* | 44.8887% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1834% | 2,760 |
| Loan loss allowance to noncurrent loans | 269.8220% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.3372% | 2,793 |
| Noncurrent loans to loans | 0.4386% | 2,740 |
| Net loans and leases to total assets | 75.9659% | 1,102 |
| Net loans and leases to deposits | 92.5262% | 1,031 |
| Net loans and leases to core deposits | 100.3180% | 1,143 |
| Total domestic deposits to total assets | 82.1020% | 3,395 |
| Equity capital to assets | 11.6262% | 1,919 |
| Core capital (leverage) ratio | 10.8778% | 1,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2649% | 1,194 |
| Memoranda: | ||
| Average total assets | $1,052,467,500 | 823 |
| Average earning assets | $979,889,750 | 817 |
| Average equity | $117,067,750 | 837 |
| Average total loans | $747,275,750 | 825 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8505% | 3,740 |
| Cost of funding earning assets | 0.5132% | 3,452 |
| Net interest margin | 3.3373% | 3,285 |
| Noninterest income to average assets | 6.9683% | 82 |
| Noninterest expense to average assets | 4.9970% | 192 |
| Loan and lease loss provision to assets | 0.3955% | 1,027 |
| Net operating income to assets | 3.5283% | 62 |
| Return on assets (ROA) | 3.7002% | 59 |
| Pretax return on assets | 4.9009% | 46 |
| Return on Equity (ROE) | 33.8064% | 47 |
| Retained earnings to average equity (ytd only) | 33.8064% | 24 |
| Net charge-offs to loans | 0.1430% | 1,005 |
| Credit loss provision to net charge-offs | 401.1742% | 1,401 |
| Earnings coverage of net charge-offs (x) | 51.5186% | 1,081 |
| Efficiency ratio | 49.5941% | 4,521 |
| Assets per employee ($millions) | 3.6886% | 4,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2024% | 2,503 |
| Loan loss allowance to noncurrent loans | 232.5246% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.3775% | 2,788 |
| Noncurrent loans to loans | 0.5171% | 2,608 |
| Net loans and leases to total assets | 72.1150% | 1,686 |
| Net loans and leases to deposits | 84.1346% | 1,987 |
| Net loans and leases to core deposits | 95.6389% | 1,601 |
| Total domestic deposits to total assets | 85.7139% | 2,118 |
| Equity capital to assets | 11.5302% | 1,952 |
| Core capital (leverage) ratio | 10.8135% | 2,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4075% | 1,155 |
| Memoranda: | ||
| Average total assets | $1,036,697,000 | 818 |
| Average earning assets | $965,332,667 | 815 |
| Average equity | $113,469,667 | 857 |
| Average total loans | $714,547,000 | 842 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8603% | 4,111 |
| Cost of funding earning assets | 0.6255% | 3,306 |
| Net interest margin | 3.2348% | 3,769 |
| Noninterest income to average assets | 3.9382% | 110 |
| Noninterest expense to average assets | 4.6589% | 268 |
| Loan and lease loss provision to assets | 0.2192% | 1,414 |
| Net operating income to assets | 1.5611% | 681 |
| Return on assets (ROA) | 1.8681% | 397 |
| Pretax return on assets | 2.4580% | 179 |
| Return on Equity (ROE) | 17.5838% | 296 |
| Retained earnings to average equity (ytd only) | 17.5838% | 95 |
| Net charge-offs to loans | 0.1655% | 796 |
| Credit loss provision to net charge-offs | 198.5560% | 1,424 |
| Earnings coverage of net charge-offs (x) | 20.7292% | 1,403 |
| Efficiency ratio | 67.0587% | 2,808 |
| Assets per employee ($millions) | 3.4730% | 4,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2143% | 2,589 |
| Loan loss allowance to noncurrent loans | 261.9552% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.3083% | 3,213 |
| Noncurrent loans to loans | 0.4635% | 2,859 |
| Net loans and leases to total assets | 65.6988% | 2,853 |
| Net loans and leases to deposits | 75.7136% | 3,098 |
| Net loans and leases to core deposits | 90.0965% | 2,332 |
| Total domestic deposits to total assets | 86.7728% | 1,658 |
| Equity capital to assets | 10.5853% | 3,244 |
| Core capital (leverage) ratio | 10.8658% | 2,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5574% | 1,739 |
| Memoranda: | ||
| Average total assets | $1,003,595,000 | 816 |
| Average earning assets | $933,595,000 | 811 |
| Average equity | $106,621,000 | 900 |
| Average total loans | $669,302,000 | 862 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0240% | 4,203 |
| Cost of funding earning assets | 0.8435% | 2,464 |
| Net interest margin | 3.1805% | 4,235 |
| Noninterest income to average assets | 3.0505% | 147 |
| Noninterest expense to average assets | 4.2682% | 389 |
| Loan and lease loss provision to assets | 0.0697% | 2,611 |
| Net operating income to assets | 1.3115% | 1,644 |
| Return on assets (ROA) | 1.2095% | 2,113 |
| Pretax return on assets | 1.5621% | 1,610 |
| Return on Equity (ROE) | 11.9131% | 1,545 |
| Retained earnings to average equity (ytd only) | 2.1049% | 3,945 |
| Net charge-offs to loans | 0.0445% | 2,496 |
| Credit loss provision to net charge-offs | 278.8845% | 1,012 |
| Earnings coverage of net charge-offs (x) | 70.4502% | 883 |
| Efficiency ratio | 70.7931% | 2,052 |
| Assets per employee ($millions) | 3.4975% | 4,483 |
| Cash dividends to net income (ytd only)* | 82.3316% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2608% | 2,116 |
| Loan loss allowance to noncurrent loans | 400.4427% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.2106% | 3,623 |
| Noncurrent loans to loans | 0.3149% | 3,309 |
| Net loans and leases to total assets | 66.0458% | 2,944 |
| Net loans and leases to deposits | 77.1115% | 3,083 |
| Net loans and leases to core deposits | 93.3612% | 2,123 |
| Total domestic deposits to total assets | 85.6497% | 2,221 |
| Equity capital to assets | 10.6655% | 3,290 |
| Core capital (leverage) ratio | 9.8101% | 3,722 |
| Tier 1 risk-based capital ratio | 14.6927% | 2,912 |
| Total risk-based capital ratio | 15.8781% | 2,853 |
| Memoranda: | ||
| Average total assets | $1,004,197,200 | 781 |
| Average earning assets | $940,463,000 | 761 |
| Average equity | $101,954,800 | 886 |
| Average total loans | $564,654,200 | 960 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9652% | 4,427 |
| Cost of funding earning assets | 0.8481% | 2,476 |
| Net interest margin | 3.1171% | 4,450 |
| Noninterest income to average assets | 2.8510% | 165 |
| Noninterest expense to average assets | 4.2251% | 401 |
| Loan and lease loss provision to assets | 0.0657% | 2,572 |
| Net operating income to assets | 1.1083% | 2,541 |
| Return on assets (ROA) | 1.3182% | 1,849 |
| Pretax return on assets | 1.7459% | 1,210 |
| Return on Equity (ROE) | 13.1410% | 1,222 |
| Retained earnings to average equity (ytd only) | 13.1410% | 267 |
| Net charge-offs to loans | 0.0554% | 2,042 |
| Credit loss provision to net charge-offs | 221.2389% | 1,215 |
| Earnings coverage of net charge-offs (x) | 52.0214% | 1,159 |
| Efficiency ratio | 73.2107% | 1,671 |
| Assets per employee ($millions) | 3.9968% | 3,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 2,235 |
| Loan loss allowance to noncurrent loans | 351.8993% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.2090% | 3,732 |
| Noncurrent loans to loans | 0.3553% | 3,268 |
| Net loans and leases to total assets | 58.0990% | 3,875 |
| Net loans and leases to deposits | 70.6373% | 3,720 |
| Net loans and leases to core deposits | 83.8332% | 3,110 |
| Total domestic deposits to total assets | 82.2497% | 3,401 |
| Equity capital to assets | 10.2169% | 3,803 |
| Core capital (leverage) ratio | 10.5105% | 3,096 |
| Tier 1 risk-based capital ratio | 15.9543% | 2,444 |
| Total risk-based capital ratio | 17.1228% | 2,421 |
| Memoranda: | ||
| Average total assets | $1,013,920,250 | 777 |
| Average earning assets | $949,844,500 | 758 |
| Average equity | $101,704,750 | 887 |
| Average total loans | $544,396,750 | 990 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9983% | 4,379 |
| Cost of funding earning assets | 0.8509% | 2,389 |
| Net interest margin | 3.1475% | 4,458 |
| Noninterest income to average assets | 2.2867% | 218 |
| Noninterest expense to average assets | 3.9851% | 549 |
| Loan and lease loss provision to assets | 0.0404% | 3,005 |
| Net operating income to assets | 0.9223% | 3,201 |
| Return on assets (ROA) | 0.9733% | 3,084 |
| Pretax return on assets | 1.2722% | 2,667 |
| Return on Equity (ROE) | 9.7692% | 2,498 |
| Retained earnings to average equity (ytd only) | 9.7692% | 822 |
| Net charge-offs to loans | 0.0004% | 3,168 |
| Credit loss provision to net charge-offs | 20,000.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 6,183.0000% | 4 |
| Efficiency ratio | 76.1514% | 1,377 |
| Assets per employee ($millions) | 3.8405% | 4,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4518% | 1,410 |
| Loan loss allowance to noncurrent loans | 386.2947% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.2038% | 3,761 |
| Noncurrent loans to loans | 0.3758% | 3,179 |
| Net loans and leases to total assets | 53.4431% | 4,251 |
| Net loans and leases to deposits | 61.1569% | 4,368 |
| Net loans and leases to core deposits | 72.8519% | 3,956 |
| Total domestic deposits to total assets | 87.3868% | 1,393 |
| Equity capital to assets | 10.4931% | 3,520 |
| Core capital (leverage) ratio | 10.1967% | 3,386 |
| Tier 1 risk-based capital ratio | 16.3426% | 2,289 |
| Total risk-based capital ratio | 17.5879% | 2,233 |
| Memoranda: | ||
| Average total assets | $990,849,000 | 785 |
| Average earning assets | $927,533,000 | 771 |
| Average equity | $98,718,670 | 905 |
| Average total loans | $513,443,330 | 1,048 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9643% | 4,445 |
| Cost of funding earning assets | 0.8109% | 2,475 |
| Net interest margin | 3.1534% | 4,491 |
| Noninterest income to average assets | 1.8195% | 281 |
| Noninterest expense to average assets | 3.8673% | 616 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7182% | 3,877 |
| Return on assets (ROA) | 0.7390% | 3,857 |
| Pretax return on assets | 0.9295% | 3,663 |
| Return on Equity (ROE) | 7.6240% | 3,413 |
| Retained earnings to average equity (ytd only) | 7.6240% | 1,799 |
| Net charge-offs to loans | 0.0120% | 2,259 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 148.3333% | 506 |
| Efficiency ratio | 81.0622% | 963 |
| Assets per employee ($millions) | 4.1153% | 3,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5189% | 1,277 |
| Loan loss allowance to noncurrent loans | 356.2877% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.2155% | 3,763 |
| Noncurrent loans to loans | 0.4263% | 3,060 |
| Net loans and leases to total assets | 49.7799% | 4,483 |
| Net loans and leases to deposits | 56.1083% | 4,595 |
| Net loans and leases to core deposits | 66.5640% | 4,255 |
| Total domestic deposits to total assets | 88.7211% | 989 |
| Equity capital to assets | 9.8342% | 3,983 |
| Core capital (leverage) ratio | 10.0677% | 3,528 |
| Tier 1 risk-based capital ratio | 16.9476% | 2,121 |
| Total risk-based capital ratio | 18.1982% | 2,070 |
| Memoranda: | ||
| Average total assets | $985,092,500 | 797 |
| Average earning assets | $921,925,000 | 782 |
| Average equity | $95,488,500 | 927 |
| Average total loans | $498,372,500 | 1,084 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7641% | 4,563 |
| Cost of funding earning assets | 0.5405% | 3,108 |
| Net interest margin | 3.2235% | 4,437 |
| Noninterest income to average assets | 1.7381% | 325 |
| Noninterest expense to average assets | 3.9422% | 580 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6593% | 4,261 |
| Return on assets (ROA) | 0.8469% | 3,616 |
| Pretax return on assets | 1.0531% | 3,434 |
| Return on Equity (ROE) | 8.9329% | 3,028 |
| Retained earnings to average equity (ytd only) | 6.2351% | 2,074 |
| Net charge-offs to loans | 0.0347% | 2,709 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 47.6190% | 1,168 |
| Efficiency ratio | 82.8072% | 721 |
| Assets per employee ($millions) | 3.9437% | 3,969 |
| Cash dividends to net income (ytd only)* | 30.2005% | 3,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5658% | 1,107 |
| Loan loss allowance to noncurrent loans | 456.2278% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.1738% | 3,937 |
| Noncurrent loans to loans | 0.3432% | 3,319 |
| Net loans and leases to total assets | 49.8437% | 4,532 |
| Net loans and leases to deposits | 56.3237% | 4,649 |
| Net loans and leases to core deposits | 66.2126% | 4,341 |
| Total domestic deposits to total assets | 88.4951% | 1,072 |
| Equity capital to assets | 9.5482% | 4,087 |
| Core capital (leverage) ratio | 9.9225% | 3,675 |
| Tier 1 risk-based capital ratio | 17.1892% | 2,000 |
| Total risk-based capital ratio | 18.4402% | 1,946 |
| Memoranda: | ||
| Average total assets | $977,389,800 | 785 |
| Average earning assets | $916,480,000 | 768 |
| Average equity | $92,668,800 | 910 |
| Average total loans | $483,611,000 | 1,080 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6827% | 4,685 |
| Cost of funding earning assets | 0.4956% | 3,223 |
| Net interest margin | 3.1870% | 4,538 |
| Noninterest income to average assets | 1.8366% | 312 |
| Noninterest expense to average assets | 3.9694% | 544 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6727% | 4,314 |
| Return on assets (ROA) | 0.9172% | 3,457 |
| Pretax return on assets | 1.1676% | 3,132 |
| Return on Equity (ROE) | 9.6907% | 2,757 |
| Retained earnings to average equity (ytd only) | 9.6907% | 1,003 |
| Net charge-offs to loans | 0.0368% | 2,339 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 47.3832% | 1,210 |
| Efficiency ratio | 82.2249% | 763 |
| Assets per employee ($millions) | 3.9747% | 3,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5292% | 1,258 |
| Loan loss allowance to noncurrent loans | 448.2599% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.1742% | 4,081 |
| Noncurrent loans to loans | 0.3411% | 3,434 |
| Net loans and leases to total assets | 50.2810% | 4,572 |
| Net loans and leases to deposits | 57.1625% | 4,693 |
| Net loans and leases to core deposits | 65.9400% | 4,410 |
| Total domestic deposits to total assets | 87.9616% | 1,252 |
| Equity capital to assets | 9.2379% | 4,338 |
| Core capital (leverage) ratio | 10.1429% | 3,478 |
| Tier 1 risk-based capital ratio | 17.0276% | 2,104 |
| Total risk-based capital ratio | 18.2785% | 2,043 |
| Memoranda: | ||
| Average total assets | $979,197,000 | 782 |
| Average earning assets | $918,947,500 | 762 |
| Average equity | $92,677,750 | 904 |
| Average total loans | $481,699,750 | 1,084 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6158% | 4,741 |
| Cost of funding earning assets | 0.4485% | 3,368 |
| Net interest margin | 3.1673% | 4,582 |
| Noninterest income to average assets | 1.9381% | 287 |
| Noninterest expense to average assets | 3.9877% | 544 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7206% | 4,136 |
| Return on assets (ROA) | 1.0887% | 2,628 |
| Pretax return on assets | 1.3869% | 2,196 |
| Return on Equity (ROE) | 11.4099% | 1,948 |
| Retained earnings to average equity (ytd only) | 11.4099% | 600 |
| Net charge-offs to loans | 0.0308% | 2,243 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 61.5479% | 981 |
| Efficiency ratio | 81.2377% | 897 |
| Assets per employee ($millions) | 3.9160% | 4,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5666% | 1,187 |
| Loan loss allowance to noncurrent loans | 440.2487% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.1793% | 4,084 |
| Noncurrent loans to loans | 0.3558% | 3,421 |
| Net loans and leases to total assets | 49.5881% | 4,630 |
| Net loans and leases to deposits | 56.3213% | 4,734 |
| Net loans and leases to core deposits | 65.7237% | 4,381 |
| Total domestic deposits to total assets | 88.0450% | 1,356 |
| Equity capital to assets | 9.4237% | 4,173 |
| Core capital (leverage) ratio | 10.0496% | 3,527 |
| Tier 1 risk-based capital ratio | 17.0230% | 2,089 |
| Total risk-based capital ratio | 18.2742% | 2,041 |
| Memoranda: | ||
| Average total assets | $975,700,000 | 782 |
| Average earning assets | $915,097,000 | 767 |
| Average equity | $93,095,000 | 897 |
| Average total loans | $473,815,330 | 1,105 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5266% | 4,829 |
| Cost of funding earning assets | 0.3900% | 3,663 |
| Net interest margin | 3.1365% | 4,628 |
| Noninterest income to average assets | 1.5957% | 385 |
| Noninterest expense to average assets | 3.9586% | 557 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4596% | 4,793 |
| Return on assets (ROA) | 1.1367% | 2,277 |
| Pretax return on assets | 1.4353% | 1,881 |
| Return on Equity (ROE) | 11.8397% | 1,639 |
| Retained earnings to average equity (ytd only) | 11.8397% | 711 |
| Net charge-offs to loans | 0.0433% | 1,683 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 28.0400% | 1,282 |
| Efficiency ratio | 87.2580% | 572 |
| Assets per employee ($millions) | 4.0957% | 3,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7003% | 945 |
| Loan loss allowance to noncurrent loans | 400.5641% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.1959% | 4,102 |
| Noncurrent loans to loans | 0.4245% | 3,266 |
| Net loans and leases to total assets | 45.3723% | 4,827 |
| Net loans and leases to deposits | 51.4502% | 4,903 |
| Net loans and leases to core deposits | 69.0467% | 4,145 |
| Total domestic deposits to total assets | 88.1867% | 1,514 |
| Equity capital to assets | 9.2893% | 4,274 |
| Core capital (leverage) ratio | 10.0900% | 3,435 |
| Tier 1 risk-based capital ratio | 17.5134% | 1,971 |
| Total risk-based capital ratio | 18.7657% | 1,925 |
| Memoranda: | ||
| Average total assets | $970,136,500 | 788 |
| Average earning assets | $909,667,000 | 770 |
| Average equity | $93,144,500 | 903 |
| Average total loans | $462,154,500 | 1,132 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4766% | 4,817 |
| Cost of funding earning assets | 0.2828% | 4,291 |
| Net interest margin | 3.1938% | 4,459 |
| Noninterest income to average assets | 1.9675% | 306 |
| Noninterest expense to average assets | 3.9974% | 535 |
| Loan and lease loss provision to assets | 0.0363% | 3,540 |
| Net operating income to assets | 0.5752% | 4,117 |
| Return on assets (ROA) | 0.6246% | 3,951 |
| Pretax return on assets | 1.0047% | 3,547 |
| Return on Equity (ROE) | 6.3718% | 3,590 |
| Retained earnings to average equity (ytd only) | 4.2584% | 2,608 |
| Net charge-offs to loans | 0.1697% | 1,453 |
| Credit loss provision to net charge-offs | 45.2196% | 3,385 |
| Earnings coverage of net charge-offs (x) | 12.0207% | 2,514 |
| Efficiency ratio | 80.5742% | 1,053 |
| Assets per employee ($millions) | 3.8572% | 4,189 |
| Cash dividends to net income (ytd only)* | 33.1675% | 3,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6908% | 963 |
| Loan loss allowance to noncurrent loans | 397.4216% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.2093% | 4,092 |
| Noncurrent loans to loans | 0.4254% | 3,257 |
| Net loans and leases to total assets | 48.3660% | 4,743 |
| Net loans and leases to deposits | 55.4789% | 4,824 |
| Net loans and leases to core deposits | 70.3828% | 4,149 |
| Total domestic deposits to total assets | 87.1791% | 1,909 |
| Equity capital to assets | 9.9296% | 3,779 |
| Core capital (leverage) ratio | 9.6193% | 3,900 |
| Tier 1 risk-based capital ratio | 17.0599% | 2,069 |
| Total risk-based capital ratio | 18.3122% | 2,024 |
| Memoranda: | ||
| Average total assets | $965,403,000 | 766 |
| Average earning assets | $904,914,800 | 748 |
| Average equity | $94,636,200 | 865 |
| Average total loans | $456,197,400 | 1,111 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4340% | 4,920 |
| Cost of funding earning assets | 0.2706% | 4,402 |
| Net interest margin | 3.1634% | 4,552 |
| Noninterest income to average assets | 1.9243% | 326 |
| Noninterest expense to average assets | 4.0081% | 514 |
| Loan and lease loss provision to assets | 0.0343% | 3,435 |
| Net operating income to assets | 0.6157% | 4,330 |
| Return on assets (ROA) | 0.7401% | 3,848 |
| Pretax return on assets | 1.0198% | 3,607 |
| Return on Equity (ROE) | 7.5736% | 3,356 |
| Retained earnings to average equity (ytd only) | 7.5736% | 1,401 |
| Net charge-offs to loans | 0.2020% | 1,054 |
| Credit loss provision to net charge-offs | 36.3372% | 3,029 |
| Earnings coverage of net charge-offs (x) | 9.3503% | 2,703 |
| Efficiency ratio | 81.9338% | 923 |
| Assets per employee ($millions) | 3.7707% | 4,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7027% | 1,028 |
| Loan loss allowance to noncurrent loans | 381.2925% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.2132% | 4,225 |
| Noncurrent loans to loans | 0.4466% | 3,364 |
| Net loans and leases to total assets | 46.9303% | 4,888 |
| Net loans and leases to deposits | 53.7123% | 4,978 |
| Net loans and leases to core deposits | 70.9174% | 4,193 |
| Total domestic deposits to total assets | 87.3735% | 1,684 |
| Equity capital to assets | 10.1768% | 3,713 |
| Core capital (leverage) ratio | 9.5342% | 4,117 |
| Tier 1 risk-based capital ratio | 17.3584% | 2,049 |
| Total risk-based capital ratio | 18.6108% | 1,998 |
| Memoranda: | ||
| Average total assets | $970,500,500 | 768 |
| Average earning assets | $910,440,000 | 751 |
| Average equity | $94,836,250 | 867 |
| Average total loans | $454,015,250 | 1,122 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3371% | 5,049 |
| Cost of funding earning assets | 0.2508% | 4,535 |
| Net interest margin | 3.0863% | 4,719 |
| Noninterest income to average assets | 1.9682% | 318 |
| Noninterest expense to average assets | 4.0517% | 497 |
| Loan and lease loss provision to assets | 0.0309% | 3,385 |
| Net operating income to assets | 0.5716% | 4,423 |
| Return on assets (ROA) | 0.6387% | 4,180 |
| Pretax return on assets | 0.8739% | 4,017 |
| Return on Equity (ROE) | 6.6273% | 3,766 |
| Retained earnings to average equity (ytd only) | 6.6273% | 1,782 |
| Net charge-offs to loans | 0.2378% | 857 |
| Credit loss provision to net charge-offs | 27.9330% | 2,740 |
| Earnings coverage of net charge-offs (x) | 7.3575% | 2,613 |
| Efficiency ratio | 83.2917% | 899 |
| Assets per employee ($millions) | 3.8186% | 4,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7023% | 1,059 |
| Loan loss allowance to noncurrent loans | 368.7208% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.2141% | 4,303 |
| Noncurrent loans to loans | 0.4617% | 3,359 |
| Net loans and leases to total assets | 45.5836% | 4,966 |
| Net loans and leases to deposits | 51.6382% | 5,075 |
| Net loans and leases to core deposits | 69.1257% | 4,289 |
| Total domestic deposits to total assets | 88.2749% | 1,318 |
| Equity capital to assets | 9.6574% | 4,270 |
| Core capital (leverage) ratio | 9.1498% | 4,557 |
| Tier 1 risk-based capital ratio | 17.1168% | 2,131 |
| Total risk-based capital ratio | 18.3695% | 2,075 |
| Memoranda: | ||
| Average total assets | $972,237,000 | 772 |
| Average earning assets | $912,342,330 | 752 |
| Average equity | $93,703,000 | 878 |
| Average total loans | $451,733,330 | 1,129 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2618% | 5,162 |
| Cost of funding earning assets | 0.2380% | 4,655 |
| Net interest margin | 3.0239% | 4,843 |
| Noninterest income to average assets | 1.8883% | 334 |
| Noninterest expense to average assets | 4.0450% | 514 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4956% | 4,616 |
| Return on assets (ROA) | 0.5782% | 4,289 |
| Pretax return on assets | 0.7895% | 4,145 |
| Return on Equity (ROE) | 6.0058% | 3,905 |
| Retained earnings to average equity (ytd only) | 6.0058% | 2,331 |
| Net charge-offs to loans | 0.2199% | 809 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 6.6122% | 2,203 |
| Efficiency ratio | 85.6751% | 822 |
| Assets per employee ($millions) | 3.5976% | 4,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8401% | 887 |
| Loan loss allowance to noncurrent loans | 300.7856% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.2866% | 4,063 |
| Noncurrent loans to loans | 0.6118% | 2,993 |
| Net loans and leases to total assets | 42.5776% | 5,129 |
| Net loans and leases to deposits | 47.9808% | 5,222 |
| Net loans and leases to core deposits | 66.6051% | 4,390 |
| Total domestic deposits to total assets | 88.7390% | 1,293 |
| Equity capital to assets | 9.2377% | 4,579 |
| Core capital (leverage) ratio | 9.9163% | 3,609 |
| Tier 1 risk-based capital ratio | 17.5291% | 2,026 |
| Total risk-based capital ratio | 18.7829% | 1,975 |
| Memoranda: | ||
| Average total assets | $958,113,000 | 788 |
| Average earning assets | $897,658,500 | 765 |
| Average equity | $92,244,000 | 887 |
| Average total loans | $445,622,500 | 1,142 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4113% | 4,956 |
| Cost of funding earning assets | 0.2789% | 4,264 |
| Net interest margin | 3.1324% | 4,636 |
| Noninterest income to average assets | 2.7393% | 228 |
| Noninterest expense to average assets | 4.3786% | 418 |
| Loan and lease loss provision to assets | 0.0869% | 2,628 |
| Net operating income to assets | 0.8627% | 3,013 |
| Return on assets (ROA) | 0.9196% | 2,842 |
| Pretax return on assets | 1.2797% | 2,357 |
| Return on Equity (ROE) | 9.0915% | 2,373 |
| Retained earnings to average equity (ytd only) | 6.4080% | 1,496 |
| Net charge-offs to loans | 0.2470% | 1,120 |
| Credit loss provision to net charge-offs | 71.0480% | 3,118 |
| Earnings coverage of net charge-offs (x) | 10.5302% | 2,633 |
| Efficiency ratio | 77.2785% | 1,802 |
| Assets per employee ($millions) | 3.1892% | 5,160 |
| Cash dividends to net income (ytd only)* | 29.5159% | 3,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8236% | 909 |
| Loan loss allowance to noncurrent loans | 338.7163% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.2927% | 4,102 |
| Noncurrent loans to loans | 0.5384% | 3,236 |
| Net loans and leases to total assets | 49.0729% | 4,829 |
| Net loans and leases to deposits | 58.9756% | 4,737 |
| Net loans and leases to core deposits | 72.4569% | 4,057 |
| Total domestic deposits to total assets | 83.2088% | 3,695 |
| Equity capital to assets | 10.0598% | 3,664 |
| Core capital (leverage) ratio | 9.6698% | 3,892 |
| Tier 1 risk-based capital ratio | 17.1595% | 2,105 |
| Total risk-based capital ratio | 18.4138% | 2,065 |
| Memoranda: | ||
| Average total assets | $921,012,000 | 781 |
| Average earning assets | $860,513,200 | 759 |
| Average equity | $93,164,400 | 859 |
| Average total loans | $455,838,000 | 1,079 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3860% | 5,055 |
| Cost of funding earning assets | 0.2836% | 4,269 |
| Net interest margin | 3.1023% | 4,772 |
| Noninterest income to average assets | 2.9290% | 213 |
| Noninterest expense to average assets | 4.3912% | 417 |
| Loan and lease loss provision to assets | 0.1154% | 2,001 |
| Net operating income to assets | 0.8958% | 2,926 |
| Return on assets (ROA) | 0.9673% | 2,716 |
| Pretax return on assets | 1.4282% | 1,943 |
| Return on Equity (ROE) | 9.5499% | 2,246 |
| Retained earnings to average equity (ytd only) | 9.5499% | 674 |
| Net charge-offs to loans | 0.2125% | 1,095 |
| Credit loss provision to net charge-offs | 110.0413% | 2,223 |
| Earnings coverage of net charge-offs (x) | 13.7125% | 2,289 |
| Efficiency ratio | 75.3255% | 2,057 |
| Assets per employee ($millions) | 3.1499% | 5,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8214% | 975 |
| Loan loss allowance to noncurrent loans | 455.3749% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.2264% | 4,537 |
| Noncurrent loans to loans | 0.4000% | 3,842 |
| Net loans and leases to total assets | 49.7000% | 4,838 |
| Net loans and leases to deposits | 61.6196% | 4,655 |
| Net loans and leases to core deposits | 74.9756% | 3,924 |
| Total domestic deposits to total assets | 80.6561% | 4,336 |
| Equity capital to assets | 10.3505% | 3,745 |
| Core capital (leverage) ratio | 9.7584% | 3,864 |
| Tier 1 risk-based capital ratio | 16.9022% | 2,257 |
| Total risk-based capital ratio | 18.1568% | 2,215 |
| Memoranda: | ||
| Average total assets | $924,037,250 | 779 |
| Average earning assets | $863,978,250 | 758 |
| Average equity | $93,596,750 | 857 |
| Average total loans | $456,219,000 | 1,067 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3828% | 5,117 |
| Cost of funding earning assets | 0.3029% | 4,094 |
| Net interest margin | 3.0799% | 4,886 |
| Noninterest income to average assets | 2.7831% | 225 |
| Noninterest expense to average assets | 4.3552% | 431 |
| Loan and lease loss provision to assets | 0.0871% | 2,402 |
| Net operating income to assets | 0.8254% | 3,192 |
| Return on assets (ROA) | 0.8901% | 3,040 |
| Pretax return on assets | 1.3175% | 2,337 |
| Return on Equity (ROE) | 8.8536% | 2,556 |
| Retained earnings to average equity (ytd only) | 8.8536% | 889 |
| Net charge-offs to loans | 0.1273% | 1,571 |
| Credit loss provision to net charge-offs | 139.8601% | 1,687 |
| Earnings coverage of net charge-offs (x) | 21.0175% | 1,705 |
| Efficiency ratio | 76.8843% | 1,948 |
| Assets per employee ($millions) | 3.2850% | 5,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9017% | 893 |
| Loan loss allowance to noncurrent loans | 372.7040% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.2770% | 4,384 |
| Noncurrent loans to loans | 0.5102% | 3,554 |
| Net loans and leases to total assets | 48.5855% | 4,941 |
| Net loans and leases to deposits | 59.0910% | 4,847 |
| Net loans and leases to core deposits | 72.4020% | 4,135 |
| Total domestic deposits to total assets | 82.2216% | 3,930 |
| Equity capital to assets | 10.4067% | 3,740 |
| Core capital (leverage) ratio | 9.4983% | 4,210 |
| Tier 1 risk-based capital ratio | 17.0498% | 2,198 |
| Total risk-based capital ratio | 18.3055% | 2,155 |
| Memoranda: | ||
| Average total assets | $918,112,000 | 785 |
| Average earning assets | $858,987,000 | 766 |
| Average equity | $92,301,670 | 865 |
| Average total loans | $449,370,330 | 1,083 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3589% | 5,207 |
| Cost of funding earning assets | 0.3129% | 4,030 |
| Net interest margin | 3.0460% | 5,013 |
| Noninterest income to average assets | 2.4911% | 254 |
| Noninterest expense to average assets | 4.1808% | 498 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7777% | 3,365 |
| Return on assets (ROA) | 0.7777% | 3,467 |
| Pretax return on assets | 1.1606% | 2,850 |
| Return on Equity (ROE) | 7.8759% | 2,993 |
| Retained earnings to average equity (ytd only) | 7.8759% | 1,515 |
| Net charge-offs to loans | 0.1187% | 1,404 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 20.0909% | 1,480 |
| Efficiency ratio | 78.2712% | 1,856 |
| Assets per employee ($millions) | 3.3994% | 4,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8475% | 1,063 |
| Loan loss allowance to noncurrent loans | 1,261.7560% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.0988% | 5,183 |
| Noncurrent loans to loans | 0.1464% | 4,890 |
| Net loans and leases to total assets | 48.7188% | 4,908 |
| Net loans and leases to deposits | 59.8116% | 4,729 |
| Net loans and leases to core deposits | 72.9009% | 3,983 |
| Total domestic deposits to total assets | 81.4538% | 4,366 |
| Equity capital to assets | 10.0187% | 4,055 |
| Core capital (leverage) ratio | 9.5317% | 4,132 |
| Tier 1 risk-based capital ratio | 16.5560% | 2,457 |
| Total risk-based capital ratio | 17.8110% | 2,408 |
| Memoranda: | ||
| Average total assets | $913,977,500 | 792 |
| Average earning assets | $855,286,000 | 776 |
| Average equity | $90,249,500 | 885 |
| Average total loans | $444,649,500 | 1,094 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2426% | 5,448 |
| Cost of funding earning assets | 0.2538% | 4,740 |
| Net interest margin | 2.9888% | 5,166 |
| Noninterest income to average assets | 2.5614% | 258 |
| Noninterest expense to average assets | 4.0121% | 664 |
| Loan and lease loss provision to assets | -0.0436% | 5,726 |
| Net operating income to assets | 0.9867% | 2,436 |
| Return on assets (ROA) | 1.1148% | 1,921 |
| Pretax return on assets | 1.5810% | 1,308 |
| Return on Equity (ROE) | 10.7989% | 1,684 |
| Retained earnings to average equity (ytd only) | -2.9334% | 5,816 |
| Net charge-offs to loans | -0.0991% | 5,772 |
| Credit loss provision to net charge-offs | 97.5610% | 2,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7268% | 2,474 |
| Assets per employee ($millions) | 3.5149% | 4,812 |
| Cash dividends to net income (ytd only)* | 127.1642% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0009% | 799 |
| Loan loss allowance to noncurrent loans | 1,524.0708% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.0893% | 5,264 |
| Noncurrent loans to loans | 0.1313% | 4,965 |
| Net loans and leases to total assets | 46.6875% | 5,117 |
| Net loans and leases to deposits | 53.7039% | 5,179 |
| Net loans and leases to core deposits | 66.4320% | 4,560 |
| Total domestic deposits to total assets | 86.9351% | 2,173 |
| Equity capital to assets | 9.7266% | 4,264 |
| Core capital (leverage) ratio | 9.4514% | 4,247 |
| Tier 1 risk-based capital ratio | 17.4534% | 2,140 |
| Total risk-based capital ratio | 18.7104% | 2,089 |
| Memoranda: | ||
| Average total assets | $916,999,200 | 750 |
| Average earning assets | $861,413,200 | 733 |
| Average equity | $94,667,400 | 803 |
| Average total loans | $413,839,400 | 1,108 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2352% | 5,531 |
| Cost of funding earning assets | 0.2588% | 4,783 |
| Net interest margin | 2.9764% | 5,255 |
| Noninterest income to average assets | 2.6114% | 251 |
| Noninterest expense to average assets | 4.0062% | 656 |
| Loan and lease loss provision to assets | -0.0579% | 5,931 |
| Net operating income to assets | 0.9799% | 2,572 |
| Return on assets (ROA) | 1.1480% | 1,904 |
| Pretax return on assets | 1.7134% | 1,069 |
| Return on Equity (ROE) | 10.9646% | 1,723 |
| Retained earnings to average equity (ytd only) | 10.9646% | 484 |
| Net charge-offs to loans | -0.1295% | 5,880 |
| Credit loss provision to net charge-offs | 100.5025% | 2,251 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0416% | 2,548 |
| Assets per employee ($millions) | 3.2792% | 5,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2192% | 642 |
| Loan loss allowance to noncurrent loans | 2,521.7009% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.0668% | 5,497 |
| Noncurrent loans to loans | 0.0880% | 5,276 |
| Net loans and leases to total assets | 43.4367% | 5,390 |
| Net loans and leases to deposits | 50.7495% | 5,435 |
| Net loans and leases to core deposits | 62.7174% | 4,884 |
| Total domestic deposits to total assets | 85.5904% | 2,739 |
| Equity capital to assets | 11.4611% | 2,536 |
| Core capital (leverage) ratio | 10.6681% | 2,859 |
| Tier 1 risk-based capital ratio | 20.6953% | 1,401 |
| Total risk-based capital ratio | 21.9533% | 1,369 |
| Memoranda: | ||
| Average total assets | $920,419,500 | 757 |
| Average earning assets | $865,677,250 | 738 |
| Average equity | $96,368,750 | 797 |
| Average total loans | $409,712,250 | 1,122 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2539% | 5,523 |
| Cost of funding earning assets | 0.2693% | 4,727 |
| Net interest margin | 2.9846% | 5,260 |
| Noninterest income to average assets | 2.7557% | 241 |
| Noninterest expense to average assets | 4.0232% | 660 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0332% | 2,209 |
| Return on assets (ROA) | 1.2564% | 1,495 |
| Pretax return on assets | 1.8751% | 777 |
| Return on Equity (ROE) | 12.3634% | 1,267 |
| Retained earnings to average equity (ytd only) | 12.3634% | 364 |
| Net charge-offs to loans | 0.0048% | 3,735 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 722.0000% | 87 |
| Efficiency ratio | 72.2926% | 2,963 |
| Assets per employee ($millions) | 3.4909% | 4,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0699% | 894 |
| Loan loss allowance to noncurrent loans | 1,189.8892% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.1070% | 5,436 |
| Noncurrent loans to loans | 0.1740% | 5,075 |
| Net loans and leases to total assets | 45.1278% | 5,311 |
| Net loans and leases to deposits | 52.9906% | 5,314 |
| Net loans and leases to core deposits | 65.9105% | 4,665 |
| Total domestic deposits to total assets | 85.1619% | 3,057 |
| Equity capital to assets | 10.7070% | 3,210 |
| Core capital (leverage) ratio | 9.9440% | 3,690 |
| Tier 1 risk-based capital ratio | 19.4136% | 1,693 |
| Total risk-based capital ratio | 20.6706% | 1,656 |
| Memoranda: | ||
| Average total assets | $936,471,000 | 742 |
| Average earning assets | $881,524,330 | 728 |
| Average equity | $95,168,000 | 814 |
| Average total loans | $417,122,330 | 1,099 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2113% | 5,631 |
| Cost of funding earning assets | 0.2450% | 5,076 |
| Net interest margin | 2.9663% | 5,303 |
| Noninterest income to average assets | 2.9695% | 219 |
| Noninterest expense to average assets | 3.9075% | 761 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2820% | 1,332 |
| Return on assets (ROA) | 1.4544% | 991 |
| Pretax return on assets | 2.1078% | 476 |
| Return on Equity (ROE) | 14.6824% | 756 |
| Retained earnings to average equity (ytd only) | 14.6824% | 312 |
| Net charge-offs to loans | -0.1291% | 5,940 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7741% | 3,864 |
| Assets per employee ($millions) | 3.8094% | 4,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0391% | 1,012 |
| Loan loss allowance to noncurrent loans | 3,043.9024% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.0542% | 5,716 |
| Noncurrent loans to loans | 0.0670% | 5,507 |
| Net loans and leases to total assets | 43.0358% | 5,426 |
| Net loans and leases to deposits | 49.2671% | 5,503 |
| Net loans and leases to core deposits | 62.8573% | 4,787 |
| Total domestic deposits to total assets | 87.3518% | 2,186 |
| Equity capital to assets | 9.9658% | 4,186 |
| Core capital (leverage) ratio | 9.2070% | 4,701 |
| Tier 1 risk-based capital ratio | 18.0598% | 2,121 |
| Total risk-based capital ratio | 19.3169% | 2,069 |
| Memoranda: | ||
| Average total assets | $954,374,500 | 729 |
| Average earning assets | $899,566,500 | 705 |
| Average equity | $94,535,000 | 817 |
| Average total loans | $418,163,000 | 1,095 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4747% | 5,381 |
| Cost of funding earning assets | 0.2918% | 4,871 |
| Net interest margin | 3.1829% | 4,977 |
| Noninterest income to average assets | 2.2888% | 268 |
| Noninterest expense to average assets | 3.7294% | 1,100 |
| Loan and lease loss provision to assets | -0.0888% | 6,126 |
| Net operating income to assets | 1.0990% | 1,980 |
| Return on assets (ROA) | 1.1030% | 2,017 |
| Pretax return on assets | 1.6313% | 1,150 |
| Return on Equity (ROE) | 11.0650% | 1,706 |
| Retained earnings to average equity (ytd only) | 2.7111% | 4,319 |
| Net charge-offs to loans | 0.1205% | 2,829 |
| Credit loss provision to net charge-offs | -179.3722% | 5,607 |
| Earnings coverage of net charge-offs (x) | 31.0291% | 1,301 |
| Efficiency ratio | 70.8204% | 3,409 |
| Assets per employee ($millions) | 3.8260% | 4,300 |
| Cash dividends to net income (ytd only)* | 75.4983% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1086% | 935 |
| Loan loss allowance to noncurrent loans | 14,100.0000% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0340% | 5,907 |
| Noncurrent loans to loans | 0.0150% | 5,846 |
| Net loans and leases to total assets | 42.7727% | 5,560 |
| Net loans and leases to deposits | 48.8483% | 5,640 |
| Net loans and leases to core deposits | 58.3023% | 5,245 |
| Total domestic deposits to total assets | 87.5624% | 1,997 |
| Equity capital to assets | 9.8424% | 4,296 |
| Core capital (leverage) ratio | 9.1299% | 4,779 |
| Tier 1 risk-based capital ratio | 18.4755% | 1,996 |
| Total risk-based capital ratio | 19.7329% | 1,966 |
| Memoranda: | ||
| Average total assets | $900,618,400 | 737 |
| Average earning assets | $842,430,400 | 725 |
| Average equity | $89,778,200 | 817 |
| Average total loans | $370,017,800 | 1,191 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5077% | 5,381 |
| Cost of funding earning assets | 0.2995% | 4,893 |
| Net interest margin | 3.2083% | 4,940 |
| Noninterest income to average assets | 2.1034% | 315 |
| Noninterest expense to average assets | 3.6724% | 1,166 |
| Loan and lease loss provision to assets | -0.1195% | 6,310 |
| Net operating income to assets | 1.0357% | 2,299 |
| Return on assets (ROA) | 1.0886% | 2,150 |
| Pretax return on assets | 1.6259% | 1,245 |
| Return on Equity (ROE) | 10.8842% | 1,833 |
| Retained earnings to average equity (ytd only) | 10.8842% | 535 |
| Net charge-offs to loans | 0.1376% | 2,419 |
| Credit loss provision to net charge-offs | -215.0538% | 5,575 |
| Earnings coverage of net charge-offs (x) | 25.6827% | 1,503 |
| Efficiency ratio | 72.0103% | 3,175 |
| Assets per employee ($millions) | 3.5965% | 4,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2962% | 826 |
| Loan loss allowance to noncurrent loans | 6,378.6765% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.1326% | 5,644 |
| Noncurrent loans to loans | 0.0360% | 5,880 |
| Net loans and leases to total assets | 41.0546% | 5,749 |
| Net loans and leases to deposits | 47.5957% | 5,789 |
| Net loans and leases to core deposits | 57.4776% | 5,365 |
| Total domestic deposits to total assets | 86.2570% | 2,723 |
| Equity capital to assets | 10.5698% | 3,468 |
| Core capital (leverage) ratio | 10.1172% | 3,510 |
| Tier 1 risk-based capital ratio | 20.3391% | 1,590 |
| Total risk-based capital ratio | 21.5976% | 1,554 |
| Memoranda: | ||
| Average total assets | $892,390,000 | 751 |
| Average earning assets | $833,495,500 | 735 |
| Average equity | $89,252,250 | 823 |
| Average total loans | $360,547,750 | 1,234 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4587% | 5,498 |
| Cost of funding earning assets | 0.3073% | 4,900 |
| Net interest margin | 3.1514% | 5,086 |
| Noninterest income to average assets | 2.0682% | 327 |
| Noninterest expense to average assets | 3.5866% | 1,318 |
| Loan and lease loss provision to assets | -0.1348% | 6,408 |
| Net operating income to assets | 1.0609% | 2,075 |
| Return on assets (ROA) | 1.1416% | 1,868 |
| Pretax return on assets | 1.6795% | 1,058 |
| Return on Equity (ROE) | 11.6370% | 1,538 |
| Retained earnings to average equity (ytd only) | 11.6370% | 465 |
| Net charge-offs to loans | 0.2362% | 1,627 |
| Credit loss provision to net charge-offs | -143.1981% | 5,334 |
| Earnings coverage of net charge-offs (x) | 15.1480% | 1,871 |
| Efficiency ratio | 71.5509% | 3,423 |
| Assets per employee ($millions) | 3.6384% | 4,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4387% | 775 |
| Loan loss allowance to noncurrent loans | 271.5472% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.5546% | 4,327 |
| Noncurrent loans to loans | 0.8981% | 3,461 |
| Net loans and leases to total assets | 39.1397% | 5,885 |
| Net loans and leases to deposits | 45.2535% | 5,924 |
| Net loans and leases to core deposits | 57.1176% | 5,334 |
| Total domestic deposits to total assets | 86.4899% | 2,765 |
| Equity capital to assets | 10.2531% | 3,755 |
| Core capital (leverage) ratio | 9.7530% | 3,961 |
| Tier 1 risk-based capital ratio | 20.5147% | 1,564 |
| Total risk-based capital ratio | 21.7744% | 1,531 |
| Memoranda: | ||
| Average total assets | $890,146,000 | 754 |
| Average earning assets | $831,696,000 | 736 |
| Average equity | $87,324,670 | 836 |
| Average total loans | $354,795,000 | 1,239 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4409% | 5,556 |
| Cost of funding earning assets | 0.2973% | 5,093 |
| Net interest margin | 3.1436% | 5,107 |
| Noninterest income to average assets | 1.7157% | 428 |
| Noninterest expense to average assets | 3.4988% | 1,489 |
| Loan and lease loss provision to assets | -0.0905% | 6,485 |
| Net operating income to assets | 0.8458% | 2,923 |
| Return on assets (ROA) | 1.0067% | 2,251 |
| Pretax return on assets | 1.4818% | 1,483 |
| Return on Equity (ROE) | 10.5040% | 1,863 |
| Retained earnings to average equity (ytd only) | 10.5040% | 839 |
| Net charge-offs to loans | -0.2403% | 6,431 |
| Credit loss provision to net charge-offs | 94.7867% | 1,752 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1872% | 2,930 |
| Assets per employee ($millions) | 3.7216% | 4,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8038% | 540 |
| Loan loss allowance to noncurrent loans | 195.6341% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.6577% | 4,146 |
| Noncurrent loans to loans | 1.4332% | 2,633 |
| Net loans and leases to total assets | 36.8779% | 6,026 |
| Net loans and leases to deposits | 42.1537% | 6,072 |
| Net loans and leases to core deposits | 50.6593% | 5,715 |
| Total domestic deposits to total assets | 87.4844% | 2,521 |
| Equity capital to assets | 9.3672% | 4,672 |
| Core capital (leverage) ratio | 10.2124% | 3,277 |
| Tier 1 risk-based capital ratio | 20.6525% | 1,547 |
| Total risk-based capital ratio | 21.9164% | 1,516 |
| Memoranda: | ||
| Average total assets | $884,062,500 | 766 |
| Average earning assets | $826,177,000 | 750 |
| Average equity | $84,729,500 | 871 |
| Average total loans | $351,197,000 | 1,251 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1902% | 6,138 |
| Cost of funding earning assets | 0.3650% | 5,001 |
| Net interest margin | 2.8252% | 5,938 |
| Noninterest income to average assets | 3.4910% | 187 |
| Noninterest expense to average assets | 4.3982% | 573 |
| Loan and lease loss provision to assets | 0.0868% | 3,369 |
| Net operating income to assets | 1.0993% | 1,939 |
| Return on assets (ROA) | 1.2044% | 1,623 |
| Pretax return on assets | 1.7630% | 826 |
| Return on Equity (ROE) | 11.3726% | 1,647 |
| Retained earnings to average equity (ytd only) | 5.5201% | 2,266 |
| Net charge-offs to loans | 0.2653% | 2,372 |
| Credit loss provision to net charge-offs | 74.1525% | 3,195 |
| Earnings coverage of net charge-offs (x) | 14.4862% | 1,939 |
| Efficiency ratio | 72.1804% | 3,443 |
| Assets per employee ($millions) | 3.6269% | 4,621 |
| Cash dividends to net income (ytd only)* | 51.4615% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8070% | 592 |
| Loan loss allowance to noncurrent loans | 175.3071% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.7930% | 3,902 |
| Noncurrent loans to loans | 1.6012% | 2,506 |
| Net loans and leases to total assets | 40.5194% | 5,924 |
| Net loans and leases to deposits | 46.5593% | 5,975 |
| Net loans and leases to core deposits | 57.3755% | 5,434 |
| Total domestic deposits to total assets | 87.0275% | 2,708 |
| Equity capital to assets | 9.8230% | 3,995 |
| Core capital (leverage) ratio | 10.0592% | 3,488 |
| Tier 1 risk-based capital ratio | 20.1343% | 1,624 |
| Total risk-based capital ratio | 21.3981% | 1,587 |
| Memoranda: | ||
| Average total assets | $806,712,400 | 823 |
| Average earning assets | $743,090,200 | 816 |
| Average equity | $85,433,600 | 836 |
| Average total loans | $355,816,400 | 1,207 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0516% | 6,365 |
| Cost of funding earning assets | 0.3778% | 5,019 |
| Net interest margin | 2.6738% | 6,217 |
| Noninterest income to average assets | 3.9214% | 179 |
| Noninterest expense to average assets | 4.5608% | 491 |
| Loan and lease loss provision to assets | 0.1170% | 2,833 |
| Net operating income to assets | 1.1437% | 1,840 |
| Return on assets (ROA) | 1.2833% | 1,462 |
| Pretax return on assets | 1.9068% | 697 |
| Return on Equity (ROE) | 11.8905% | 1,504 |
| Retained earnings to average equity (ytd only) | 11.8905% | 434 |
| Net charge-offs to loans | 0.3338% | 1,875 |
| Credit loss provision to net charge-offs | 78.2998% | 2,887 |
| Earnings coverage of net charge-offs (x) | 12.1544% | 2,167 |
| Efficiency ratio | 71.5281% | 3,502 |
| Assets per employee ($millions) | 3.1747% | 5,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0062% | 548 |
| Loan loss allowance to noncurrent loans | 97.6999% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 1.4864% | 2,707 |
| Noncurrent loans to loans | 3.0770% | 1,296 |
| Net loans and leases to total assets | 38.5378% | 6,139 |
| Net loans and leases to deposits | 44.8523% | 6,164 |
| Net loans and leases to core deposits | 55.5926% | 5,661 |
| Total domestic deposits to total assets | 85.9216% | 3,306 |
| Equity capital to assets | 10.5542% | 3,211 |
| Core capital (leverage) ratio | 10.7031% | 2,787 |
| Tier 1 risk-based capital ratio | 22.1651% | 1,291 |
| Total risk-based capital ratio | 23.4310% | 1,266 |
| Memoranda: | ||
| Average total assets | $798,027,750 | 838 |
| Average earning assets | $732,665,750 | 833 |
| Average equity | $86,128,000 | 828 |
| Average total loans | $357,071,000 | 1,201 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1069% | 6,336 |
| Cost of funding earning assets | 0.3933% | 5,000 |
| Net interest margin | 2.7136% | 6,158 |
| Noninterest income to average assets | 4.6987% | 155 |
| Noninterest expense to average assets | 4.6017% | 484 |
| Loan and lease loss provision to assets | 0.1777% | 2,136 |
| Net operating income to assets | 1.5466% | 827 |
| Return on assets (ROA) | 1.7430% | 630 |
| Pretax return on assets | 2.7115% | 205 |
| Return on Equity (ROE) | 16.0258% | 665 |
| Retained earnings to average equity (ytd only) | 16.0258% | 190 |
| Net charge-offs to loans | 0.4875% | 1,347 |
| Credit loss provision to net charge-offs | 78.3875% | 2,662 |
| Earnings coverage of net charge-offs (x) | 11.3908% | 2,054 |
| Efficiency ratio | 64.0553% | 4,863 |
| Assets per employee ($millions) | 2.9099% | 6,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7080% | 785 |
| Loan loss allowance to noncurrent loans | 97.2012% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 1.6491% | 2,631 |
| Noncurrent loans to loans | 2.7859% | 1,631 |
| Net loans and leases to total assets | 44.6013% | 5,689 |
| Net loans and leases to deposits | 52.1009% | 5,684 |
| Net loans and leases to core deposits | 65.2829% | 4,767 |
| Total domestic deposits to total assets | 85.6057% | 3,578 |
| Equity capital to assets | 10.6805% | 3,084 |
| Core capital (leverage) ratio | 10.6981% | 2,669 |
| Tier 1 risk-based capital ratio | 21.6341% | 1,360 |
| Total risk-based capital ratio | 22.8996% | 1,329 |
| Memoranda: | ||
| Average total assets | $787,838,330 | 852 |
| Average earning assets | $721,553,670 | 844 |
| Average equity | $85,686,670 | 831 |
| Average total loans | $366,354,670 | 1,165 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1525% | 6,350 |
| Cost of funding earning assets | 0.4079% | 5,029 |
| Net interest margin | 2.7446% | 6,135 |
| Noninterest income to average assets | 5.1789% | 140 |
| Noninterest expense to average assets | 4.6778% | 462 |
| Loan and lease loss provision to assets | 0.3576% | 905 |
| Net operating income to assets | 1.7148% | 565 |
| Return on assets (ROA) | 2.1162% | 308 |
| Pretax return on assets | 3.2732% | 125 |
| Return on Equity (ROE) | 19.2808% | 343 |
| Retained earnings to average equity (ytd only) | 19.2808% | 161 |
| Net charge-offs to loans | 1.0012% | 609 |
| Credit loss provision to net charge-offs | 76.2527% | 2,211 |
| Earnings coverage of net charge-offs (x) | 6.4259% | 2,220 |
| Efficiency ratio | 60.8222% | 5,473 |
| Assets per employee ($millions) | 2.9323% | 6,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8291% | 793 |
| Loan loss allowance to noncurrent loans | 96.1344% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 1.7059% | 2,735 |
| Noncurrent loans to loans | 2.9428% | 1,706 |
| Net loans and leases to total assets | 42.5177% | 5,808 |
| Net loans and leases to deposits | 49.4702% | 5,826 |
| Net loans and leases to core deposits | 61.5380% | 4,995 |
| Total domestic deposits to total assets | 85.9462% | 3,554 |
| Equity capital to assets | 10.9747% | 2,981 |
| Core capital (leverage) ratio | 10.6390% | 2,606 |
| Tier 1 risk-based capital ratio | 21.8853% | 1,352 |
| Total risk-based capital ratio | 23.1519% | 1,320 |
| Memoranda: | ||
| Average total assets | $783,096,500 | 869 |
| Average earning assets | $716,758,500 | 855 |
| Average equity | $85,951,000 | 837 |
| Average total loans | $366,775,000 | 1,165 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7191% | 6,013 |
| Cost of funding earning assets | 0.6099% | 4,253 |
| Net interest margin | 3.1092% | 5,794 |
| Noninterest income to average assets | 5.7707% | 126 |
| Noninterest expense to average assets | 5.2919% | 311 |
| Loan and lease loss provision to assets | 0.0141% | 5,731 |
| Net operating income to assets | 3.5933% | 73 |
| Return on assets (ROA) | 3.6325% | 73 |
| Pretax return on assets | 3.3246% | 116 |
| Return on Equity (ROE) | 33.3050% | 48 |
| Retained earnings to average equity (ytd only) | 20.4111% | 56 |
| Net charge-offs to loans | 0.1779% | 3,949 |
| Credit loss provision to net charge-offs | 15.6495% | 5,335 |
| Earnings coverage of net charge-offs (x) | 36.7152% | 863 |
| Efficiency ratio | 61.5960% | 5,298 |
| Assets per employee ($millions) | 2.6055% | 6,537 |
| Cash dividends to net income (ytd only)* | 38.7147% | 2,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6240% | 998 |
| Loan loss allowance to noncurrent loans | 95.9951% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 2.0352% | 2,408 |
| Noncurrent loans to loans | 2.7335% | 1,937 |
| Net loans and leases to total assets | 48.7206% | 5,340 |
| Net loans and leases to deposits | 56.5472% | 5,385 |
| Net loans and leases to core deposits | 68.8825% | 4,447 |
| Total domestic deposits to total assets | 86.1592% | 3,272 |
| Equity capital to assets | 10.9769% | 2,977 |
| Core capital (leverage) ratio | 10.6773% | 2,569 |
| Tier 1 risk-based capital ratio | 19.7974% | 1,730 |
| Total risk-based capital ratio | 21.0632% | 1,696 |
| Memoranda: | ||
| Average total assets | $711,073,600 | 925 |
| Average earning assets | $645,048,000 | 934 |
| Average equity | $77,556,000 | 907 |
| Average total loans | $359,253,400 | 1,162 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8229% | 5,964 |
| Cost of funding earning assets | 0.6651% | 4,062 |
| Net interest margin | 3.1578% | 5,802 |
| Noninterest income to average assets | 5.9991% | 116 |
| Noninterest expense to average assets | 5.4625% | 272 |
| Loan and lease loss provision to assets | 0.0191% | 5,561 |
| Net operating income to assets | 3.9460% | 63 |
| Return on assets (ROA) | 3.9994% | 65 |
| Pretax return on assets | 3.4366% | 108 |
| Return on Equity (ROE) | 36.7335% | 36 |
| Retained earnings to average equity (ytd only) | 36.7335% | 17 |
| Net charge-offs to loans | 0.0790% | 4,608 |
| Credit loss provision to net charge-offs | 47.8469% | 4,449 |
| Earnings coverage of net charge-offs (x) | 85.0621% | 486 |
| Efficiency ratio | 61.6200% | 5,213 |
| Assets per employee ($millions) | 2.6230% | 6,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8101% | 877 |
| Loan loss allowance to noncurrent loans | 216.6152% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 1.4487% | 3,430 |
| Noncurrent loans to loans | 1.2973% | 3,868 |
| Net loans and leases to total assets | 49.1934% | 5,416 |
| Net loans and leases to deposits | 58.1389% | 5,422 |
| Net loans and leases to core deposits | 71.0285% | 4,371 |
| Total domestic deposits to total assets | 84.6136% | 3,924 |
| Equity capital to assets | 12.3163% | 2,023 |
| Core capital (leverage) ratio | 11.7251% | 1,828 |
| Tier 1 risk-based capital ratio | 21.1380% | 1,495 |
| Total risk-based capital ratio | 22.4052% | 1,461 |
| Memoranda: | ||
| Average total assets | $696,688,750 | 953 |
| Average earning assets | $632,243,250 | 959 |
| Average equity | $75,852,500 | 933 |
| Average total loans | $352,925,750 | 1,188 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8830% | 5,949 |
| Cost of funding earning assets | 0.7170% | 3,885 |
| Net interest margin | 3.1661% | 5,831 |
| Noninterest income to average assets | 4.2978% | 164 |
| Noninterest expense to average assets | 4.8898% | 408 |
| Loan and lease loss provision to assets | 0.0293% | 5,300 |
| Net operating income to assets | 2.2246% | 275 |
| Return on assets (ROA) | 2.2531% | 297 |
| Pretax return on assets | 2.2833% | 429 |
| Return on Equity (ROE) | 21.7241% | 260 |
| Retained earnings to average equity (ytd only) | 21.7241% | 75 |
| Net charge-offs to loans | 0.0954% | 4,204 |
| Credit loss provision to net charge-offs | 60.6061% | 3,780 |
| Earnings coverage of net charge-offs (x) | 47.2242% | 766 |
| Efficiency ratio | 68.1634% | 4,088 |
| Assets per employee ($millions) | 2.5219% | 6,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1173% | 702 |
| Loan loss allowance to noncurrent loans | 215.9648% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 1.8424% | 2,979 |
| Noncurrent loans to loans | 1.4435% | 3,747 |
| Net loans and leases to total assets | 47.1723% | 5,696 |
| Net loans and leases to deposits | 55.0113% | 5,769 |
| Net loans and leases to core deposits | 65.8050% | 5,026 |
| Total domestic deposits to total assets | 85.7502% | 3,484 |
| Equity capital to assets | 10.8542% | 3,287 |
| Core capital (leverage) ratio | 10.1271% | 3,230 |
| Tier 1 risk-based capital ratio | 18.5952% | 2,104 |
| Total risk-based capital ratio | 19.8654% | 2,052 |
| Memoranda: | ||
| Average total assets | $682,356,330 | 967 |
| Average earning assets | $619,825,670 | 973 |
| Average equity | $70,769,330 | 993 |
| Average total loans | $345,768,330 | 1,214 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9966% | 5,765 |
| Cost of funding earning assets | 0.7256% | 4,071 |
| Net interest margin | 3.2710% | 5,571 |
| Noninterest income to average assets | 2.9560% | 248 |
| Noninterest expense to average assets | 4.6519% | 480 |
| Loan and lease loss provision to assets | 0.0592% | 4,670 |
| Net operating income to assets | 1.2145% | 1,696 |
| Return on assets (ROA) | 1.2145% | 1,878 |
| Pretax return on assets | 1.2157% | 2,854 |
| Return on Equity (ROE) | 11.9979% | 1,676 |
| Retained earnings to average equity (ytd only) | 11.9979% | 823 |
| Net charge-offs to loans | 0.2096% | 2,870 |
| Credit loss provision to net charge-offs | 54.6448% | 3,205 |
| Earnings coverage of net charge-offs (x) | 11.7650% | 1,650 |
| Efficiency ratio | 78.4894% | 2,431 |
| Assets per employee ($millions) | 2.5598% | 6,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1337% | 731 |
| Loan loss allowance to noncurrent loans | 210.3930% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 2.0997% | 2,777 |
| Noncurrent loans to loans | 1.4895% | 3,886 |
| Net loans and leases to total assets | 47.3461% | 5,641 |
| Net loans and leases to deposits | 54.3093% | 5,778 |
| Net loans and leases to core deposits | 65.0443% | 5,015 |
| Total domestic deposits to total assets | 87.1786% | 2,845 |
| Equity capital to assets | 10.1172% | 3,969 |
| Core capital (leverage) ratio | 9.6018% | 3,916 |
| Tier 1 risk-based capital ratio | 17.9433% | 2,314 |
| Total risk-based capital ratio | 19.2138% | 2,281 |
| Memoranda: | ||
| Average total assets | $675,507,500 | 975 |
| Average earning assets | $613,522,000 | 979 |
| Average equity | $68,378,500 | 1,023 |
| Average total loans | $349,197,500 | 1,204 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2012% | 6,047 |
| Cost of funding earning assets | 0.8010% | 4,865 |
| Net interest margin | 3.4002% | 5,478 |
| Noninterest income to average assets | 2.2992% | 307 |
| Noninterest expense to average assets | 4.6647% | 505 |
| Loan and lease loss provision to assets | 0.2399% | 3,808 |
| Net operating income to assets | 0.4707% | 4,537 |
| Return on assets (ROA) | 0.8886% | 2,783 |
| Pretax return on assets | 0.8894% | 3,639 |
| Return on Equity (ROE) | 9.6859% | 2,172 |
| Retained earnings to average equity (ytd only) | 9.6859% | 632 |
| Net charge-offs to loans | 1.5757% | 1,004 |
| Credit loss provision to net charge-offs | 27.8253% | 5,813 |
| Earnings coverage of net charge-offs (x) | 0.8250% | 5,180 |
| Efficiency ratio | 86.7670% | 1,468 |
| Assets per employee ($millions) | 2.5876% | 6,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9378% | 866 |
| Loan loss allowance to noncurrent loans | 172.3132% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 2.4627% | 2,475 |
| Noncurrent loans to loans | 1.7049% | 3,604 |
| Net loans and leases to total assets | 53.0168% | 5,170 |
| Net loans and leases to deposits | 60.8786% | 5,383 |
| Net loans and leases to core deposits | 73.4922% | 4,305 |
| Total domestic deposits to total assets | 87.0862% | 2,715 |
| Equity capital to assets | 10.1281% | 3,997 |
| Core capital (leverage) ratio | 9.4106% | 4,166 |
| Tier 1 risk-based capital ratio | 16.9463% | 2,631 |
| Total risk-based capital ratio | 18.2182% | 2,581 |
| Memoranda: | ||
| Average total assets | $677,233,800 | 957 |
| Average earning assets | $612,848,200 | 961 |
| Average equity | $62,131,800 | 1,085 |
| Average total loans | $370,618,600 | 1,143 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1881% | 6,234 |
| Cost of funding earning assets | 0.8400% | 4,857 |
| Net interest margin | 3.3482% | 5,727 |
| Noninterest income to average assets | 2.1574% | 344 |
| Noninterest expense to average assets | 4.6433% | 504 |
| Loan and lease loss provision to assets | 0.2692% | 3,352 |
| Net operating income to assets | 0.2753% | 5,489 |
| Return on assets (ROA) | 0.8100% | 3,277 |
| Pretax return on assets | 0.8102% | 4,092 |
| Return on Equity (ROE) | 9.0585% | 2,570 |
| Retained earnings to average equity (ytd only) | 9.0585% | 1,123 |
| Net charge-offs to loans | 1.8618% | 706 |
| Credit loss provision to net charge-offs | 26.4118% | 5,469 |
| Earnings coverage of net charge-offs (x) | 0.5344% | 5,231 |
| Efficiency ratio | 89.5003% | 1,200 |
| Assets per employee ($millions) | 2.5161% | 6,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1709% | 749 |
| Loan loss allowance to noncurrent loans | 127.0797% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 3.4049% | 1,857 |
| Noncurrent loans to loans | 2.4952% | 2,776 |
| Net loans and leases to total assets | 50.4420% | 5,648 |
| Net loans and leases to deposits | 58.6703% | 5,780 |
| Net loans and leases to core deposits | 70.8549% | 4,850 |
| Total domestic deposits to total assets | 85.9753% | 3,226 |
| Equity capital to assets | 9.6605% | 4,837 |
| Core capital (leverage) ratio | 9.4635% | 4,206 |
| Tier 1 risk-based capital ratio | 16.3271% | 2,956 |
| Total risk-based capital ratio | 17.5977% | 2,912 |
| Memoranda: | ||
| Average total assets | $680,933,000 | 965 |
| Average earning assets | $616,361,750 | 968 |
| Average equity | $60,891,750 | 1,112 |
| Average total loans | $372,815,000 | 1,150 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2314% | 6,215 |
| Cost of funding earning assets | 0.8497% | 5,064 |
| Net interest margin | 3.3817% | 5,606 |
| Noninterest income to average assets | 2.0728% | 344 |
| Noninterest expense to average assets | 4.5685% | 552 |
| Loan and lease loss provision to assets | 0.3209% | 2,860 |
| Net operating income to assets | 0.2509% | 5,559 |
| Return on assets (ROA) | 0.5997% | 4,203 |
| Pretax return on assets | 0.6006% | 4,739 |
| Return on Equity (ROE) | 6.8857% | 3,491 |
| Retained earnings to average equity (ytd only) | 6.8857% | 1,926 |
| Net charge-offs to loans | 2.5701% | 446 |
| Credit loss provision to net charge-offs | 22.4490% | 5,100 |
| Earnings coverage of net charge-offs (x) | 0.4006% | 5,003 |
| Efficiency ratio | 88.8624% | 1,337 |
| Assets per employee ($millions) | 2.5302% | 6,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2168% | 750 |
| Loan loss allowance to noncurrent loans | 101.4047% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 3.9434% | 1,635 |
| Noncurrent loans to loans | 3.1723% | 2,260 |
| Net loans and leases to total assets | 52.7461% | 5,468 |
| Net loans and leases to deposits | 60.4627% | 5,681 |
| Net loans and leases to core deposits | 74.1718% | 4,561 |
| Total domestic deposits to total assets | 87.2375% | 2,604 |
| Equity capital to assets | 9.6827% | 4,564 |
| Core capital (leverage) ratio | 8.8112% | 5,028 |
| Tier 1 risk-based capital ratio | 15.7904% | 3,085 |
| Total risk-based capital ratio | 17.0614% | 3,057 |
| Memoranda: | ||
| Average total assets | $685,655,330 | 965 |
| Average earning assets | $622,118,000 | 965 |
| Average equity | $59,718,000 | 1,119 |
| Average total loans | $381,305,330 | 1,145 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2565% | 6,132 |
| Cost of funding earning assets | 0.8732% | 5,106 |
| Net interest margin | 3.3833% | 5,494 |
| Noninterest income to average assets | 1.9280% | 376 |
| Noninterest expense to average assets | 4.3331% | 703 |
| Loan and lease loss provision to assets | 0.3364% | 2,540 |
| Net operating income to assets | 0.3364% | 5,241 |
| Return on assets (ROA) | 0.5388% | 4,403 |
| Pretax return on assets | 0.5388% | 4,901 |
| Return on Equity (ROE) | 6.5069% | 3,628 |
| Retained earnings to average equity (ytd only) | 6.5069% | 2,370 |
| Net charge-offs to loans | 1.1882% | 1,168 |
| Credit loss provision to net charge-offs | 50.4626% | 3,739 |
| Earnings coverage of net charge-offs (x) | 1.0093% | 3,905 |
| Efficiency ratio | 86.5606% | 1,650 |
| Assets per employee ($millions) | 2.6323% | 6,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1023% | 392 |
| Loan loss allowance to noncurrent loans | 71.4192% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 4.7456% | 1,337 |
| Noncurrent loans to loans | 5.7440% | 1,128 |
| Net loans and leases to total assets | 48.6061% | 6,006 |
| Net loans and leases to deposits | 54.8351% | 6,226 |
| Net loans and leases to core deposits | 67.7820% | 5,319 |
| Total domestic deposits to total assets | 88.6405% | 1,993 |
| Equity capital to assets | 8.5710% | 5,812 |
| Core capital (leverage) ratio | 7.6675% | 6,582 |
| Tier 1 risk-based capital ratio | 15.0444% | 3,401 |
| Total risk-based capital ratio | 16.3243% | 3,344 |
| Memoranda: | ||
| Average total assets | $713,478,000 | 934 |
| Average earning assets | $649,079,000 | 936 |
| Average equity | $59,076,000 | 1,122 |
| Average total loans | $400,282,500 | 1,090 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6726% | 5,889 |
| Cost of funding earning assets | 1.2508% | 4,213 |
| Net interest margin | 3.4218% | 5,539 |
| Noninterest income to average assets | 2.1508% | 355 |
| Noninterest expense to average assets | 7.6928% | 123 |
| Loan and lease loss provision to assets | 0.7282% | 2,253 |
| Net operating income to assets | -3.0753% | 7,309 |
| Return on assets (ROA) | -2.7973% | 7,266 |
| Pretax return on assets | -2.8619% | 7,266 |
| Return on Equity (ROE) | -33.0516% | 7,268 |
| Retained earnings to average equity (ytd only) | -33.0516% | 7,258 |
| Net charge-offs to loans | 1.3930% | 1,599 |
| Credit loss provision to net charge-offs | 78.5412% | 5,611 |
| Earnings coverage of net charge-offs (x) | -2.6072% | 6,729 |
| Efficiency ratio | 145.8227% | 236 |
| Assets per employee ($millions) | 2.6805% | 6,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2450% | 709 |
| Loan loss allowance to noncurrent loans | 82.6615% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 4.1021% | 1,649 |
| Noncurrent loans to loans | 3.9257% | 1,861 |
| Net loans and leases to total assets | 59.0782% | 4,828 |
| Net loans and leases to deposits | 66.5032% | 5,335 |
| Net loans and leases to core deposits | 81.6740% | 3,954 |
| Total domestic deposits to total assets | 88.8351% | 1,752 |
| Equity capital to assets | 8.0137% | 6,485 |
| Core capital (leverage) ratio | 7.5274% | 6,684 |
| Tier 1 risk-based capital ratio | 11.5330% | 5,875 |
| Total risk-based capital ratio | 12.8001% | 5,869 |
| Memoranda: | ||
| Average total assets | $789,582,000 | 854 |
| Average earning assets | $721,030,000 | 848 |
| Average equity | $66,825,800 | 1,004 |
| Average total loans | $525,537,600 | 853 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7431% | 5,880 |
| Cost of funding earning assets | 1.2829% | 4,344 |
| Net interest margin | 3.4602% | 5,454 |
| Noninterest income to average assets | 1.8652% | 422 |
| Noninterest expense to average assets | 8.5405% | 101 |
| Loan and lease loss provision to assets | 0.7910% | 1,925 |
| Net operating income to assets | -4.0739% | 7,579 |
| Return on assets (ROA) | -3.7196% | 7,556 |
| Pretax return on assets | -3.9282% | 7,555 |
| Return on Equity (ROE) | -43.4120% | 7,518 |
| Retained earnings to average equity (ytd only) | -43.4120% | 7,516 |
| Net charge-offs to loans | 1.4826% | 1,359 |
| Credit loss provision to net charge-offs | 78.6424% | 5,181 |
| Earnings coverage of net charge-offs (x) | -3.4901% | 6,571 |
| Efficiency ratio | 169.7828% | 134 |
| Assets per employee ($millions) | 2.7269% | 6,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2898% | 646 |
| Loan loss allowance to noncurrent loans | 80.5586% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 4.1987% | 1,635 |
| Noncurrent loans to loans | 4.0838% | 1,820 |
| Net loans and leases to total assets | 65.9301% | 3,705 |
| Net loans and leases to deposits | 74.3043% | 4,454 |
| Net loans and leases to core deposits | 93.4892% | 2,595 |
| Total domestic deposits to total assets | 88.7299% | 1,545 |
| Equity capital to assets | 7.8975% | 6,868 |
| Core capital (leverage) ratio | 7.4288% | 6,901 |
| Tier 1 risk-based capital ratio | 10.6439% | 6,676 |
| Total risk-based capital ratio | 11.9173% | 6,649 |
| Memoranda: | ||
| Average total assets | $800,681,500 | 846 |
| Average earning assets | $732,378,750 | 839 |
| Average equity | $68,603,000 | 969 |
| Average total loans | $543,170,500 | 834 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7451% | 5,993 |
| Cost of funding earning assets | 1.3357% | 4,291 |
| Net interest margin | 3.4094% | 5,606 |
| Noninterest income to average assets | 1.8221% | 406 |
| Noninterest expense to average assets | 10.4813% | 72 |
| Loan and lease loss provision to assets | 0.8552% | 1,702 |
| Net operating income to assets | -6.0570% | 7,735 |
| Return on assets (ROA) | -5.6570% | 7,727 |
| Pretax return on assets | -5.9713% | 7,727 |
| Return on Equity (ROE) | -64.4888% | 7,667 |
| Retained earnings to average equity (ytd only) | -64.4888% | 7,665 |
| Net charge-offs to loans | 1.2182% | 1,568 |
| Credit loss provision to net charge-offs | 103.6423% | 3,936 |
| Earnings coverage of net charge-offs (x) | -6.7104% | 6,300 |
| Efficiency ratio | 211.9891% | 84 |
| Assets per employee ($millions) | 2.5839% | 6,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4777% | 553 |
| Loan loss allowance to noncurrent loans | 80.3982% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 4.6596% | 1,400 |
| Noncurrent loans to loans | 4.3255% | 1,716 |
| Net loans and leases to total assets | 67.3023% | 3,551 |
| Net loans and leases to deposits | 75.1151% | 4,496 |
| Net loans and leases to core deposits | 95.1949% | 2,557 |
| Total domestic deposits to total assets | 89.5990% | 1,128 |
| Equity capital to assets | 7.8817% | 6,862 |
| Core capital (leverage) ratio | 7.1725% | 7,086 |
| Tier 1 risk-based capital ratio | 9.9532% | 7,050 |
| Total risk-based capital ratio | 11.2275% | 7,017 |
| Memoranda: | ||
| Average total assets | $818,522,000 | 832 |
| Average earning assets | $749,575,000 | 822 |
| Average equity | $71,801,670 | 923 |
| Average total loans | $554,440,670 | 828 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7394% | 6,115 |
| Cost of funding earning assets | 1.3637% | 4,397 |
| Net interest margin | 3.3757% | 5,687 |
| Noninterest income to average assets | 1.6171% | 477 |
| Noninterest expense to average assets | 3.8194% | 1,299 |
| Loan and lease loss provision to assets | 0.9377% | 1,345 |
| Net operating income to assets | -0.0070% | 6,309 |
| Return on assets (ROA) | 0.1599% | 5,948 |
| Pretax return on assets | 0.1374% | 6,042 |
| Return on Equity (ROE) | 1.7448% | 5,867 |
| Retained earnings to average equity (ytd only) | 1.7448% | 5,069 |
| Net charge-offs to loans | 1.2987% | 1,317 |
| Credit loss provision to net charge-offs | 107.9914% | 3,189 |
| Earnings coverage of net charge-offs (x) | 1.0459% | 4,140 |
| Efficiency ratio | 80.7894% | 2,441 |
| Assets per employee ($millions) | 2.7075% | 6,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2429% | 671 |
| Loan loss allowance to noncurrent loans | 57.2981% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 4.5408% | 1,486 |
| Noncurrent loans to loans | 5.6597% | 1,209 |
| Net loans and leases to total assets | 64.6800% | 4,176 |
| Net loans and leases to deposits | 73.0968% | 4,884 |
| Net loans and leases to core deposits | 100.2962% | 2,101 |
| Total domestic deposits to total assets | 88.4854% | 1,796 |
| Equity capital to assets | 9.6638% | 4,284 |
| Core capital (leverage) ratio | 9.1056% | 4,367 |
| Tier 1 risk-based capital ratio | 12.9777% | 4,347 |
| Total risk-based capital ratio | 14.2500% | 4,304 |
| Memoranda: | ||
| Average total assets | $853,123,500 | 807 |
| Average earning assets | $786,086,500 | 789 |
| Average equity | $78,173,000 | 843 |
| Average total loans | $570,421,500 | 821 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4832% | 4,237 |
| Cost of funding earning assets | 1.8473% | 3,748 |
| Net interest margin | 3.6359% | 4,404 |
| Noninterest income to average assets | 0.6105% | 3,547 |
| Noninterest expense to average assets | 3.4410% | 2,551 |
| Loan and lease loss provision to assets | 3.0352% | 569 |
| Net operating income to assets | -2.2314% | 7,174 |
| Return on assets (ROA) | -1.9595% | 7,077 |
| Pretax return on assets | -2.2316% | 7,035 |
| Return on Equity (ROE) | -23.8127% | 7,258 |
| Retained earnings to average equity (ytd only) | -23.8127% | 7,232 |
| Net charge-offs to loans | 2.9732% | 718 |
| Credit loss provision to net charge-offs | 152.5079% | 3,008 |
| Earnings coverage of net charge-offs (x) | 0.2479% | 5,872 |
| Efficiency ratio | 86.7335% | 2,033 |
| Assets per employee ($millions) | 2.7348% | 6,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1128% | 701 |
| Loan loss allowance to noncurrent loans | 53.4425% | 4,783 |
| Noncurrent assets plus other real estate owned to assets | 4.7319% | 1,336 |
| Noncurrent loans to loans | 5.8245% | 1,084 |
| Net loans and leases to total assets | 64.7954% | 4,419 |
| Net loans and leases to deposits | 73.8817% | 5,054 |
| Net loans and leases to core deposits | 79.3306% | 6,162 |
| Total domestic deposits to total assets | 87.7015% | 2,121 |
| Equity capital to assets | 8.6784% | 5,621 |
| Core capital (leverage) ratio | 8.5413% | 5,215 |
| Tier 1 risk-based capital ratio | 12.2271% | 4,744 |
| Total risk-based capital ratio | 13.4947% | 4,688 |
| Memoranda: | ||
| Average total assets | $889,556,600 | 759 |
| Average earning assets | $813,199,200 | 747 |
| Average equity | $73,200,400 | 890 |
| Average total loans | $595,452,400 | 794 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4994% | 4,423 |
| Cost of funding earning assets | 1.8706% | 4,044 |
| Net interest margin | 3.6288% | 4,379 |
| Noninterest income to average assets | -0.2301% | 7,989 |
| Noninterest expense to average assets | 2.7587% | 5,070 |
| Loan and lease loss provision to assets | 3.8723% | 317 |
| Net operating income to assets | -3.2244% | 7,634 |
| Return on assets (ROA) | -2.9614% | 7,582 |
| Pretax return on assets | -3.2589% | 7,561 |
| Return on Equity (ROE) | -36.4709% | 7,718 |
| Retained earnings to average equity (ytd only) | -36.4709% | 7,709 |
| Net charge-offs to loans | 3.0616% | 530 |
| Credit loss provision to net charge-offs | 188.9123% | 2,409 |
| Earnings coverage of net charge-offs (x) | 0.1577% | 5,866 |
| Efficiency ratio | 88.5571% | 1,813 |
| Assets per employee ($millions) | 2.7927% | 6,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4938% | 426 |
| Loan loss allowance to noncurrent loans | 57.2145% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 5.2248% | 1,112 |
| Noncurrent loans to loans | 6.1064% | 955 |
| Net loans and leases to total assets | 64.2707% | 4,807 |
| Net loans and leases to deposits | 74.0256% | 5,363 |
| Net loans and leases to core deposits | 79.1892% | 6,405 |
| Total domestic deposits to total assets | 86.8223% | 2,273 |
| Equity capital to assets | 6.6438% | 7,723 |
| Core capital (leverage) ratio | 6.5279% | 7,661 |
| Tier 1 risk-based capital ratio | 8.9432% | 7,644 |
| Total risk-based capital ratio | 12.4621% | 5,691 |
| Memoranda: | ||
| Average total assets | $895,215,750 | 764 |
| Average earning assets | $817,107,500 | 759 |
| Average equity | $72,691,750 | 908 |
| Average total loans | $599,372,750 | 805 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4254% | 5,009 |
| Cost of funding earning assets | 1.8549% | 4,491 |
| Net interest margin | 3.5705% | 4,496 |
| Noninterest income to average assets | 0.2529% | 6,474 |
| Noninterest expense to average assets | 2.6898% | 5,422 |
| Loan and lease loss provision to assets | 0.8287% | 2,024 |
| Net operating income to assets | -0.0083% | 5,861 |
| Return on assets (ROA) | 0.3145% | 4,942 |
| Pretax return on assets | 0.4016% | 4,931 |
| Return on Equity (ROE) | 3.6493% | 4,643 |
| Retained earnings to average equity (ytd only) | 3.6493% | 3,268 |
| Net charge-offs to loans | 0.7053% | 2,289 |
| Credit loss provision to net charge-offs | 175.1894% | 2,615 |
| Earnings coverage of net charge-offs (x) | 1.7325% | 4,255 |
| Efficiency ratio | 76.6467% | 3,574 |
| Assets per employee ($millions) | 2.9324% | 6,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6992% | 2,353 |
| Loan loss allowance to noncurrent loans | 35.4537% | 6,073 |
| Noncurrent assets plus other real estate owned to assets | 4.6065% | 1,203 |
| Noncurrent loans to loans | 4.7927% | 1,302 |
| Net loans and leases to total assets | 65.3753% | 4,686 |
| Net loans and leases to deposits | 80.7077% | 4,435 |
| Net loans and leases to core deposits | 86.0902% | 5,894 |
| Total domestic deposits to total assets | 81.0025% | 5,080 |
| Equity capital to assets | 8.5317% | 6,002 |
| Core capital (leverage) ratio | 8.9423% | 4,723 |
| Tier 1 risk-based capital ratio | 11.8617% | 5,031 |
| Total risk-based capital ratio | 15.3178% | 3,418 |
| Memoranda: | ||
| Average total assets | $892,944,670 | 787 |
| Average earning assets | $814,387,000 | 784 |
| Average equity | $76,946,000 | 866 |
| Average total loans | $598,921,000 | 822 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3138% | 5,838 |
| Cost of funding earning assets | 1.8053% | 5,092 |
| Net interest margin | 3.5085% | 4,691 |
| Noninterest income to average assets | 0.4708% | 4,586 |
| Noninterest expense to average assets | 2.7616% | 4,732 |
| Loan and lease loss provision to assets | 0.7710% | 1,671 |
| Net operating income to assets | 0.0956% | 5,991 |
| Return on assets (ROA) | 0.3823% | 5,118 |
| Pretax return on assets | 0.5374% | 4,957 |
| Return on Equity (ROE) | 4.4142% | 4,742 |
| Retained earnings to average equity (ytd only) | 4.4142% | 3,461 |
| Net charge-offs to loans | 0.5231% | 2,150 |
| Credit loss provision to net charge-offs | 218.7902% | 2,065 |
| Earnings coverage of net charge-offs (x) | 2.5740% | 3,467 |
| Efficiency ratio | 75.2751% | 3,605 |
| Assets per employee ($millions) | 3.1779% | 5,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6028% | 2,509 |
| Loan loss allowance to noncurrent loans | 40.7721% | 5,827 |
| Noncurrent assets plus other real estate owned to assets | 4.3069% | 1,148 |
| Noncurrent loans to loans | 3.9312% | 1,547 |
| Net loans and leases to total assets | 65.8030% | 4,628 |
| Net loans and leases to deposits | 85.6083% | 3,703 |
| Net loans and leases to core deposits | 91.7019% | 5,377 |
| Total domestic deposits to total assets | 76.8652% | 6,312 |
| Equity capital to assets | 8.5264% | 6,033 |
| Core capital (leverage) ratio | 9.1638% | 4,460 |
| Tier 1 risk-based capital ratio | 11.7132% | 5,195 |
| Total risk-based capital ratio | 15.1557% | 3,569 |
| Memoranda: | ||
| Average total assets | $881,959,000 | 801 |
| Average earning assets | $803,866,000 | 795 |
| Average equity | $76,390,000 | 869 |
| Average total loans | $594,147,500 | 834 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3113% | 3,904 |
| Cost of funding earning assets | 2.4073% | 4,694 |
| Net interest margin | 3.9040% | 3,535 |
| Noninterest income to average assets | 1.2680% | 914 |
| Noninterest expense to average assets | 3.2744% | 3,056 |
| Loan and lease loss provision to assets | 0.9723% | 1,515 |
| Net operating income to assets | 0.4243% | 5,057 |
| Return on assets (ROA) | 0.4382% | 4,818 |
| Pretax return on assets | 0.6163% | 4,644 |
| Return on Equity (ROE) | 4.3701% | 4,647 |
| Retained earnings to average equity (ytd only) | -1.5901% | 5,761 |
| Net charge-offs to loans | 1.0072% | 1,227 |
| Credit loss provision to net charge-offs | 138.4423% | 3,839 |
| Earnings coverage of net charge-offs (x) | 2.2292% | 4,963 |
| Efficiency ratio | 67.6525% | 4,783 |
| Assets per employee ($millions) | 3.6346% | 4,329 |
| Cash dividends to net income (ytd only)* | 136.3871% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4966% | 2,713 |
| Loan loss allowance to noncurrent loans | 38.1990% | 6,167 |
| Noncurrent assets plus other real estate owned to assets | 3.8423% | 1,099 |
| Noncurrent loans to loans | 3.9178% | 1,257 |
| Net loans and leases to total assets | 66.8663% | 4,668 |
| Net loans and leases to deposits | 85.0685% | 4,243 |
| Net loans and leases to core deposits | 90.7432% | 5,740 |
| Total domestic deposits to total assets | 78.6028% | 5,513 |
| Equity capital to assets | 8.8028% | 5,648 |
| Core capital (leverage) ratio | 9.3423% | 4,246 |
| Tier 1 risk-based capital ratio | 11.5553% | 5,195 |
| Total risk-based capital ratio | 12.8057% | 5,082 |
| Memoranda: | ||
| Average total assets | $797,052,200 | 849 |
| Average earning assets | $729,276,600 | 836 |
| Average equity | $79,930,400 | 837 |
| Average total loans | $555,815,800 | 859 |