Home > Border Bank > Performance and Condition Ratios
Border Bank, Performance and Condition Ratios
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4961% | 1,583 |
| Cost of funding earning assets | 0.9796% | 819 |
| Net interest margin | 3.5164% | 2,538 |
| Noninterest income to average assets | 0.7285% | 1,711 |
| Noninterest expense to average assets | 2.9241% | 1,635 |
| Loan and lease loss provision to assets | 0.1289% | 2,736 |
| Net operating income to assets | 0.9655% | 2,467 |
| Return on assets (ROA) | 0.9801% | 2,547 |
| Pretax return on assets | 0.9828% | 3,123 |
| Return on Equity (ROE) | 9.9471% | 2,036 |
| Retained earnings to average equity (ytd only) | 3.0600% | 3,497 |
| Net charge-offs to loans | 0.1099% | 1,242 |
| Credit loss provision to net charge-offs | 152.7228% | 2,308 |
| Earnings coverage of net charge-offs (x) | 13.0050% | 2,218 |
| Efficiency ratio | 72.0584% | 1,639 |
| Assets per employee ($millions) | 4.5831% | 3,738 |
| Cash dividends to net income (ytd only)* | 69.2373% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0839% | 3,287 |
| Loan loss allowance to noncurrent loans | 138.3070% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 0.6514% | 1,786 |
| Noncurrent loans to loans | 0.7837% | 1,861 |
| Net loans and leases to total assets | 76.1394% | 1,072 |
| Net loans and leases to deposits | 88.5590% | 1,422 |
| Net loans and leases to core deposits | 100.2438% | 1,146 |
| Total domestic deposits to total assets | 85.9760% | 2,083 |
| Equity capital to assets | 9.7868% | 3,443 |
| Core capital (leverage) ratio | 9.0040% | 3,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8500% | 2,667 |
| Memoranda: | ||
| Average total assets | $638,538,500 | 1,255 |
| Average earning assets | $597,900,250 | 1,245 |
| Average equity | $62,918,000 | 1,387 |
| Average total loans | $490,152,250 | 1,151 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5949% | 1,653 |
| Cost of funding earning assets | 1.0699% | 793 |
| Net interest margin | 3.5250% | 2,713 |
| Noninterest income to average assets | 0.5781% | 2,217 |
| Noninterest expense to average assets | 2.8458% | 1,987 |
| Loan and lease loss provision to assets | 0.1574% | 2,421 |
| Net operating income to assets | 0.8695% | 2,808 |
| Return on assets (ROA) | 0.8926% | 2,837 |
| Pretax return on assets | 0.8967% | 3,321 |
| Return on Equity (ROE) | 9.0377% | 2,345 |
| Retained earnings to average equity (ytd only) | 5.0288% | 2,460 |
| Net charge-offs to loans | 0.1714% | 868 |
| Credit loss provision to net charge-offs | 119.7590% | 2,286 |
| Earnings coverage of net charge-offs (x) | 7.8434% | 2,336 |
| Efficiency ratio | 72.7102% | 1,599 |
| Assets per employee ($millions) | 4.6048% | 3,645 |
| Cash dividends to net income (ytd only)* | 44.3577% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0631% | 3,270 |
| Loan loss allowance to noncurrent loans | 141.9704% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 0.6349% | 1,916 |
| Noncurrent loans to loans | 0.7488% | 2,007 |
| Net loans and leases to total assets | 77.0422% | 993 |
| Net loans and leases to deposits | 89.8528% | 1,366 |
| Net loans and leases to core deposits | 103.9814% | 1,006 |
| Total domestic deposits to total assets | 85.7426% | 2,112 |
| Equity capital to assets | 9.9629% | 3,243 |
| Core capital (leverage) ratio | 9.2038% | 3,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0344% | 2,591 |
| Memoranda: | ||
| Average total assets | $631,395,333 | 1,248 |
| Average earning assets | $590,870,000 | 1,235 |
| Average equity | $62,360,667 | 1,387 |
| Average total loans | $484,202,333 | 1,141 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6918% | 1,736 |
| Cost of funding earning assets | 1.1764% | 830 |
| Net interest margin | 3.5154% | 2,927 |
| Noninterest income to average assets | 0.4453% | 2,812 |
| Noninterest expense to average assets | 2.8339% | 2,324 |
| Loan and lease loss provision to assets | 0.0778% | 2,749 |
| Net operating income to assets | 0.8090% | 2,875 |
| Return on assets (ROA) | 0.8013% | 2,991 |
| Pretax return on assets | 0.8097% | 3,387 |
| Return on Equity (ROE) | 8.1507% | 2,455 |
| Retained earnings to average equity (ytd only) | 8.1507% | 1,188 |
| Net charge-offs to loans | 0.3075% | 479 |
| Credit loss provision to net charge-offs | 33.2418% | 2,139 |
| Earnings coverage of net charge-offs (x) | 3.8269% | 2,185 |
| Efficiency ratio | 75.2714% | 1,649 |
| Assets per employee ($millions) | 4.4352% | 3,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0801% | 3,310 |
| Loan loss allowance to noncurrent loans | 126.1239% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 0.7563% | 1,788 |
| Noncurrent loans to loans | 0.8564% | 1,902 |
| Net loans and leases to total assets | 75.5651% | 1,374 |
| Net loans and leases to deposits | 87.9891% | 1,752 |
| Net loans and leases to core deposits | 105.9615% | 1,063 |
| Total domestic deposits to total assets | 85.8801% | 2,043 |
| Equity capital to assets | 10.0513% | 3,727 |
| Core capital (leverage) ratio | 9.3868% | 4,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1865% | 2,625 |
| Memoranda: | ||
| Average total assets | $622,454,000 | 1,227 |
| Average earning assets | $581,446,000 | 1,222 |
| Average equity | $61,197,500 | 1,401 |
| Average total loans | $473,507,000 | 1,141 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8184% | 1,990 |
| Cost of funding earning assets | 1.1676% | 1,103 |
| Net interest margin | 3.6508% | 2,963 |
| Noninterest income to average assets | 0.5045% | 2,709 |
| Noninterest expense to average assets | 2.8505% | 2,439 |
| Loan and lease loss provision to assets | 0.0999% | 2,059 |
| Net operating income to assets | 0.9508% | 3,016 |
| Return on assets (ROA) | 0.9592% | 3,067 |
| Pretax return on assets | 0.9609% | 3,570 |
| Return on Equity (ROE) | 9.8593% | 2,356 |
| Retained earnings to average equity (ytd only) | 2.1801% | 3,907 |
| Net charge-offs to loans | 0.0433% | 2,524 |
| Credit loss provision to net charge-offs | 301.4778% | 921 |
| Earnings coverage of net charge-offs (x) | 31.7685% | 1,526 |
| Efficiency ratio | 72.3316% | 1,821 |
| Assets per employee ($millions) | 4.4567% | 3,289 |
| Cash dividends to net income (ytd only)* | 77.8874% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1040% | 2,924 |
| Loan loss allowance to noncurrent loans | 105.0824% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 0.8291% | 1,551 |
| Noncurrent loans to loans | 1.0506% | 1,441 |
| Net loans and leases to total assets | 74.9259% | 1,600 |
| Net loans and leases to deposits | 85.9140% | 2,102 |
| Net loans and leases to core deposits | 105.0881% | 1,162 |
| Total domestic deposits to total assets | 87.2104% | 1,514 |
| Equity capital to assets | 9.6192% | 4,256 |
| Core capital (leverage) ratio | 9.0117% | 4,524 |
| Tier 1 risk-based capital ratio | 11.5597% | 4,597 |
| Total risk-based capital ratio | 12.6537% | 4,554 |
| Memoranda: | ||
| Average total assets | $612,884,200 | 1,206 |
| Average earning assets | $570,474,200 | 1,200 |
| Average equity | $59,629,200 | 1,380 |
| Average total loans | $468,596,000 | 1,133 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8062% | 2,097 |
| Cost of funding earning assets | 1.1548% | 1,155 |
| Net interest margin | 3.6515% | 3,088 |
| Noninterest income to average assets | 0.4799% | 2,851 |
| Noninterest expense to average assets | 2.8432% | 2,427 |
| Loan and lease loss provision to assets | 0.1029% | 1,863 |
| Net operating income to assets | 0.9286% | 3,236 |
| Return on assets (ROA) | 0.9324% | 3,300 |
| Pretax return on assets | 0.9346% | 3,780 |
| Return on Equity (ROE) | 9.5551% | 2,643 |
| Retained earnings to average equity (ytd only) | 3.9358% | 3,431 |
| Net charge-offs to loans | -0.0847% | 4,961 |
| Credit loss provision to net charge-offs | -158.4459% | 4,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6182% | 1,747 |
| Assets per employee ($millions) | 4.4864% | 3,230 |
| Cash dividends to net income (ytd only)* | 58.8097% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1488% | 2,781 |
| Loan loss allowance to noncurrent loans | 146.1837% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 0.6556% | 2,050 |
| Noncurrent loans to loans | 0.7858% | 2,003 |
| Net loans and leases to total assets | 76.8566% | 1,339 |
| Net loans and leases to deposits | 92.3034% | 1,397 |
| Net loans and leases to core deposits | 113.8076% | 766 |
| Total domestic deposits to total assets | 83.2651% | 3,075 |
| Equity capital to assets | 9.7462% | 4,252 |
| Core capital (leverage) ratio | 9.2497% | 4,428 |
| Tier 1 risk-based capital ratio | 11.2736% | 4,777 |
| Total risk-based capital ratio | 12.4033% | 4,727 |
| Memoranda: | ||
| Average total assets | $607,893,250 | 1,214 |
| Average earning assets | $565,530,250 | 1,210 |
| Average equity | $59,317,750 | 1,386 |
| Average total loans | $465,880,000 | 1,141 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7654% | 2,172 |
| Cost of funding earning assets | 1.1104% | 1,258 |
| Net interest margin | 3.6550% | 3,091 |
| Noninterest income to average assets | 0.3926% | 3,320 |
| Noninterest expense to average assets | 2.8346% | 2,469 |
| Loan and lease loss provision to assets | 0.1087% | 1,724 |
| Net operating income to assets | 0.8451% | 3,488 |
| Return on assets (ROA) | 0.8505% | 3,525 |
| Pretax return on assets | 0.8521% | 3,968 |
| Return on Equity (ROE) | 8.7120% | 2,971 |
| Retained earnings to average equity (ytd only) | 0.1708% | 4,646 |
| Net charge-offs to loans | -0.1330% | 5,060 |
| Credit loss provision to net charge-offs | -107.2368% | 3,911 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0408% | 1,643 |
| Assets per employee ($millions) | 4.3065% | 3,423 |
| Cash dividends to net income (ytd only)* | 98.0392% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1664% | 2,684 |
| Loan loss allowance to noncurrent loans | 127.1323% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 0.7555% | 1,844 |
| Noncurrent loans to loans | 0.9175% | 1,789 |
| Net loans and leases to total assets | 76.4167% | 1,488 |
| Net loans and leases to deposits | 90.9603% | 1,634 |
| Net loans and leases to core deposits | 111.4965% | 887 |
| Total domestic deposits to total assets | 84.0111% | 2,856 |
| Equity capital to assets | 9.7206% | 4,215 |
| Core capital (leverage) ratio | 9.2042% | 4,453 |
| Tier 1 risk-based capital ratio | 11.3971% | 4,734 |
| Total risk-based capital ratio | 12.5475% | 4,680 |
| Memoranda: | ||
| Average total assets | $599,665,330 | 1,228 |
| Average earning assets | $557,433,670 | 1,224 |
| Average equity | $58,539,670 | 1,394 |
| Average total loans | $457,231,000 | 1,154 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7017% | 2,218 |
| Cost of funding earning assets | 1.0527% | 1,371 |
| Net interest margin | 3.6491% | 3,076 |
| Noninterest income to average assets | 0.4204% | 3,049 |
| Noninterest expense to average assets | 2.7891% | 2,607 |
| Loan and lease loss provision to assets | 0.1233% | 1,423 |
| Net operating income to assets | 0.8906% | 3,267 |
| Return on assets (ROA) | 0.9014% | 3,279 |
| Pretax return on assets | 0.9028% | 3,759 |
| Return on Equity (ROE) | 9.2136% | 2,705 |
| Retained earnings to average equity (ytd only) | 9.2136% | 1,245 |
| Net charge-offs to loans | -0.0125% | 4,314 |
| Credit loss provision to net charge-offs | -1,307.1429% | 3,982 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5695% | 1,943 |
| Assets per employee ($millions) | 4.2415% | 3,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1237% | 2,994 |
| Loan loss allowance to noncurrent loans | 179.5406% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.7731% | 1,826 |
| Noncurrent loans to loans | 0.6259% | 2,448 |
| Net loans and leases to total assets | 75.2921% | 1,597 |
| Net loans and leases to deposits | 86.9864% | 2,001 |
| Net loans and leases to core deposits | 105.6675% | 1,198 |
| Total domestic deposits to total assets | 86.5563% | 2,036 |
| Equity capital to assets | 10.0163% | 3,806 |
| Core capital (leverage) ratio | 9.5841% | 4,039 |
| Tier 1 risk-based capital ratio | 12.1434% | 4,386 |
| Total risk-based capital ratio | 13.2490% | 4,350 |
| Memoranda: | ||
| Average total assets | $593,739,000 | 1,238 |
| Average earning assets | $550,603,500 | 1,238 |
| Average equity | $58,088,000 | 1,401 |
| Average total loans | $449,438,000 | 1,173 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5364% | 2,345 |
| Cost of funding earning assets | 0.7896% | 1,577 |
| Net interest margin | 3.7469% | 2,872 |
| Noninterest income to average assets | 0.5415% | 2,601 |
| Noninterest expense to average assets | 2.9404% | 2,213 |
| Loan and lease loss provision to assets | 0.0725% | 2,683 |
| Net operating income to assets | 0.9859% | 3,075 |
| Return on assets (ROA) | 0.9862% | 3,071 |
| Pretax return on assets | 0.9879% | 3,648 |
| Return on Equity (ROE) | 9.8637% | 2,570 |
| Retained earnings to average equity (ytd only) | 0.2377% | 4,918 |
| Net charge-offs to loans | 0.1351% | 1,407 |
| Credit loss provision to net charge-offs | 72.8223% | 2,956 |
| Earnings coverage of net charge-offs (x) | 10.6446% | 2,700 |
| Efficiency ratio | 72.7675% | 1,800 |
| Assets per employee ($millions) | 4.4303% | 3,268 |
| Cash dividends to net income (ytd only)* | 97.5897% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0936% | 3,145 |
| Loan loss allowance to noncurrent loans | 194.1574% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.7240% | 1,915 |
| Noncurrent loans to loans | 0.5632% | 2,584 |
| Net loans and leases to total assets | 74.4217% | 1,859 |
| Net loans and leases to deposits | 85.9621% | 2,277 |
| Net loans and leases to core deposits | 105.8927% | 1,277 |
| Total domestic deposits to total assets | 86.5750% | 1,975 |
| Equity capital to assets | 9.5505% | 4,085 |
| Core capital (leverage) ratio | 9.4467% | 4,175 |
| Tier 1 risk-based capital ratio | 11.9619% | 4,448 |
| Total risk-based capital ratio | 13.0358% | 4,453 |
| Memoranda: | ||
| Average total assets | $576,347,000 | 1,243 |
| Average earning assets | $532,068,600 | 1,246 |
| Average equity | $57,625,400 | 1,371 |
| Average total loans | $424,959,400 | 1,194 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5221% | 2,220 |
| Cost of funding earning assets | 0.7703% | 1,481 |
| Net interest margin | 3.7518% | 2,819 |
| Noninterest income to average assets | 0.6241% | 2,193 |
| Noninterest expense to average assets | 2.9633% | 2,132 |
| Loan and lease loss provision to assets | 0.0342% | 3,331 |
| Net operating income to assets | 1.0987% | 2,673 |
| Return on assets (ROA) | 1.0993% | 2,690 |
| Pretax return on assets | 1.1018% | 3,397 |
| Return on Equity (ROE) | 11.0241% | 2,167 |
| Retained earnings to average equity (ytd only) | 4.6222% | 3,440 |
| Net charge-offs to loans | 0.1751% | 949 |
| Credit loss provision to net charge-offs | 25.7692% | 2,988 |
| Earnings coverage of net charge-offs (x) | 8.5519% | 2,693 |
| Efficiency ratio | 71.8041% | 1,915 |
| Assets per employee ($millions) | 4.3574% | 3,345 |
| Cash dividends to net income (ytd only)* | 58.0720% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1119% | 3,126 |
| Loan loss allowance to noncurrent loans | 173.4253% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.9074% | 1,627 |
| Noncurrent loans to loans | 0.6411% | 2,480 |
| Net loans and leases to total assets | 76.5899% | 1,569 |
| Net loans and leases to deposits | 93.3983% | 1,451 |
| Net loans and leases to core deposits | 110.9017% | 982 |
| Total domestic deposits to total assets | 82.0035% | 3,606 |
| Equity capital to assets | 9.5578% | 4,027 |
| Core capital (leverage) ratio | 9.8653% | 3,778 |
| Tier 1 risk-based capital ratio | 12.2011% | 4,377 |
| Total risk-based capital ratio | 13.2946% | 4,365 |
| Memoranda: | ||
| Average total assets | $522,160,750 | 1,349 |
| Average earning assets | $483,594,500 | 1,362 |
| Average equity | $52,066,250 | 1,466 |
| Average total loans | $395,955,250 | 1,270 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4578% | 2,233 |
| Cost of funding earning assets | 0.6984% | 1,632 |
| Net interest margin | 3.7594% | 2,716 |
| Noninterest income to average assets | 0.6917% | 1,902 |
| Noninterest expense to average assets | 3.0133% | 2,008 |
| Loan and lease loss provision to assets | 0.0345% | 3,225 |
| Net operating income to assets | 1.1207% | 2,515 |
| Return on assets (ROA) | 1.1207% | 2,515 |
| Pretax return on assets | 1.1234% | 3,215 |
| Return on Equity (ROE) | 11.0789% | 2,079 |
| Retained earnings to average equity (ytd only) | 11.0789% | 653 |
| Net charge-offs to loans | 0.2698% | 591 |
| Credit loss provision to net charge-offs | 16.9847% | 2,704 |
| Earnings coverage of net charge-offs (x) | 5.7023% | 2,689 |
| Efficiency ratio | 71.7484% | 2,043 |
| Assets per employee ($millions) | 4.2092% | 3,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1355% | 3,064 |
| Loan loss allowance to noncurrent loans | 155.8903% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 0.9999% | 1,504 |
| Noncurrent loans to loans | 0.7284% | 2,287 |
| Net loans and leases to total assets | 75.5971% | 1,699 |
| Net loans and leases to deposits | 90.9219% | 1,718 |
| Net loans and leases to core deposits | 106.7777% | 1,190 |
| Total domestic deposits to total assets | 83.1450% | 3,370 |
| Equity capital to assets | 10.0301% | 3,591 |
| Core capital (leverage) ratio | 10.4172% | 3,120 |
| Tier 1 risk-based capital ratio | 12.8487% | 3,987 |
| Total risk-based capital ratio | 13.9661% | 3,963 |
| Memoranda: | ||
| Average total assets | $516,106,670 | 1,370 |
| Average earning assets | $477,679,670 | 1,381 |
| Average equity | $52,207,330 | 1,466 |
| Average total loans | $388,445,000 | 1,290 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4115% | 2,161 |
| Cost of funding earning assets | 0.6632% | 1,641 |
| Net interest margin | 3.7483% | 2,620 |
| Noninterest income to average assets | 0.4888% | 2,873 |
| Noninterest expense to average assets | 3.0343% | 1,984 |
| Loan and lease loss provision to assets | 0.0354% | 3,033 |
| Net operating income to assets | 0.8865% | 3,349 |
| Return on assets (ROA) | 0.8865% | 3,360 |
| Pretax return on assets | 0.8880% | 3,882 |
| Return on Equity (ROE) | 8.7250% | 3,040 |
| Retained earnings to average equity (ytd only) | 8.7250% | 1,566 |
| Net charge-offs to loans | 0.2253% | 667 |
| Credit loss provision to net charge-offs | 21.0280% | 2,121 |
| Earnings coverage of net charge-offs (x) | 5.4907% | 2,233 |
| Efficiency ratio | 76.1517% | 1,572 |
| Assets per employee ($millions) | 3.9929% | 3,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2904% | 2,289 |
| Loan loss allowance to noncurrent loans | 349.3544% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.9597% | 1,648 |
| Noncurrent loans to loans | 0.3694% | 3,457 |
| Net loans and leases to total assets | 72.8907% | 2,040 |
| Net loans and leases to deposits | 84.6038% | 2,331 |
| Net loans and leases to core deposits | 98.9850% | 1,766 |
| Total domestic deposits to total assets | 86.1554% | 2,475 |
| Equity capital to assets | 10.1057% | 3,494 |
| Core capital (leverage) ratio | 10.3084% | 3,183 |
| Tier 1 risk-based capital ratio | 13.3199% | 3,763 |
| Total risk-based capital ratio | 14.5699% | 3,676 |
| Memoranda: | ||
| Average total assets | $508,983,000 | 1,404 |
| Average earning assets | $471,040,500 | 1,406 |
| Average equity | $51,713,500 | 1,489 |
| Average total loans | $379,899,000 | 1,319 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3747% | 2,099 |
| Cost of funding earning assets | 0.6150% | 1,503 |
| Net interest margin | 3.7598% | 2,565 |
| Noninterest income to average assets | 0.4688% | 3,198 |
| Noninterest expense to average assets | 2.8954% | 2,472 |
| Loan and lease loss provision to assets | 0.1176% | 1,934 |
| Net operating income to assets | 0.9373% | 2,506 |
| Return on assets (ROA) | 0.9430% | 2,511 |
| Pretax return on assets | 0.9450% | 3,757 |
| Return on Equity (ROE) | 8.7354% | 2,435 |
| Retained earnings to average equity (ytd only) | 0.6652% | 4,774 |
| Net charge-offs to loans | 0.1529% | 1,578 |
| Credit loss provision to net charge-offs | 102.6549% | 2,492 |
| Earnings coverage of net charge-offs (x) | 9.2230% | 2,814 |
| Efficiency ratio | 72.7175% | 2,116 |
| Assets per employee ($millions) | 4.0877% | 3,830 |
| Cash dividends to net income (ytd only)* | 92.3855% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3180% | 2,124 |
| Loan loss allowance to noncurrent loans | 132.6316% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 1.4646% | 947 |
| Noncurrent loans to loans | 0.9937% | 1,780 |
| Net loans and leases to total assets | 74.4464% | 1,847 |
| Net loans and leases to deposits | 87.0012% | 2,133 |
| Net loans and leases to core deposits | 100.9378% | 1,637 |
| Total domestic deposits to total assets | 85.5693% | 2,625 |
| Equity capital to assets | 10.2151% | 3,479 |
| Core capital (leverage) ratio | 10.1468% | 3,248 |
| Tier 1 risk-based capital ratio | 12.8926% | 3,977 |
| Total risk-based capital ratio | 14.1429% | 3,872 |
| Memoranda: | ||
| Average total assets | $492,995,800 | 1,420 |
| Average earning assets | $456,782,400 | 1,423 |
| Average equity | $53,220,400 | 1,449 |
| Average total loans | $369,575,800 | 1,315 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3454% | 2,120 |
| Cost of funding earning assets | 0.6032% | 1,512 |
| Net interest margin | 3.7421% | 2,607 |
| Noninterest income to average assets | 0.4824% | 3,137 |
| Noninterest expense to average assets | 2.8846% | 2,461 |
| Loan and lease loss provision to assets | 0.1326% | 1,639 |
| Net operating income to assets | 0.9329% | 2,867 |
| Return on assets (ROA) | 0.9361% | 2,910 |
| Pretax return on assets | 0.9388% | 3,906 |
| Return on Equity (ROE) | 8.5526% | 2,837 |
| Retained earnings to average equity (ytd only) | 8.5526% | 987 |
| Net charge-offs to loans | -0.0801% | 5,315 |
| Credit loss provision to net charge-offs | -221.3636% | 4,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9760% | 2,048 |
| Assets per employee ($millions) | 4.0312% | 3,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5126% | 1,491 |
| Loan loss allowance to noncurrent loans | 85.7421% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 1.6895% | 856 |
| Noncurrent loans to loans | 1.7641% | 1,020 |
| Net loans and leases to total assets | 74.6505% | 1,814 |
| Net loans and leases to deposits | 88.7105% | 1,964 |
| Net loans and leases to core deposits | 110.0452% | 1,031 |
| Total domestic deposits to total assets | 84.1507% | 3,062 |
| Equity capital to assets | 11.1545% | 2,713 |
| Core capital (leverage) ratio | 10.8544% | 2,592 |
| Tier 1 risk-based capital ratio | 13.8847% | 3,499 |
| Total risk-based capital ratio | 15.1376% | 3,426 |
| Memoranda: | ||
| Average total assets | $489,525,000 | 1,442 |
| Average earning assets | $453,991,250 | 1,438 |
| Average equity | $53,581,000 | 1,446 |
| Average total loans | $366,371,500 | 1,334 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2986% | 2,131 |
| Cost of funding earning assets | 0.5831% | 1,557 |
| Net interest margin | 3.7155% | 2,598 |
| Noninterest income to average assets | 0.5460% | 2,740 |
| Noninterest expense to average assets | 2.8757% | 2,498 |
| Loan and lease loss provision to assets | 0.1617% | 1,236 |
| Net operating income to assets | 0.9509% | 2,653 |
| Return on assets (ROA) | 0.9517% | 2,707 |
| Pretax return on assets | 0.9546% | 3,750 |
| Return on Equity (ROE) | 8.7521% | 2,630 |
| Retained earnings to average equity (ytd only) | 8.7521% | 916 |
| Net charge-offs to loans | -0.0088% | 4,492 |
| Credit loss provision to net charge-offs | -2,456.2500% | 4,977 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0515% | 2,333 |
| Assets per employee ($millions) | 3.9568% | 4,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4544% | 1,746 |
| Loan loss allowance to noncurrent loans | 109.9332% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 1.4578% | 1,062 |
| Noncurrent loans to loans | 1.3230% | 1,462 |
| Net loans and leases to total assets | 74.4438% | 1,788 |
| Net loans and leases to deposits | 89.0328% | 1,860 |
| Net loans and leases to core deposits | 108.8918% | 1,056 |
| Total domestic deposits to total assets | 83.6139% | 3,359 |
| Equity capital to assets | 11.0910% | 2,713 |
| Core capital (leverage) ratio | 10.9062% | 2,496 |
| Tier 1 risk-based capital ratio | 13.7534% | 3,561 |
| Total risk-based capital ratio | 15.0054% | 3,475 |
| Memoranda: | ||
| Average total assets | $486,079,000 | 1,457 |
| Average earning assets | $450,708,670 | 1,447 |
| Average equity | $52,855,670 | 1,465 |
| Average total loans | $362,201,670 | 1,349 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2934% | 1,967 |
| Cost of funding earning assets | 0.5726% | 1,560 |
| Net interest margin | 3.7208% | 2,416 |
| Noninterest income to average assets | 0.5280% | 2,781 |
| Noninterest expense to average assets | 2.8500% | 2,614 |
| Loan and lease loss provision to assets | 0.2491% | 603 |
| Net operating income to assets | 0.8742% | 2,889 |
| Return on assets (ROA) | 0.8742% | 2,942 |
| Pretax return on assets | 0.8758% | 3,845 |
| Return on Equity (ROE) | 8.1226% | 2,857 |
| Retained earnings to average equity (ytd only) | 8.1226% | 1,410 |
| Net charge-offs to loans | -0.0079% | 4,328 |
| Credit loss provision to net charge-offs | -4,285.7143% | 4,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7001% | 2,626 |
| Assets per employee ($millions) | 4.0938% | 3,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4960% | 1,711 |
| Loan loss allowance to noncurrent loans | 95.2134% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 1.6030% | 974 |
| Noncurrent loans to loans | 1.5712% | 1,246 |
| Net loans and leases to total assets | 72.0555% | 2,069 |
| Net loans and leases to deposits | 84.6173% | 2,210 |
| Net loans and leases to core deposits | 102.2255% | 1,355 |
| Total domestic deposits to total assets | 85.1545% | 3,025 |
| Equity capital to assets | 10.8121% | 2,845 |
| Core capital (leverage) ratio | 10.7826% | 2,614 |
| Tier 1 risk-based capital ratio | 13.9244% | 3,528 |
| Total risk-based capital ratio | 15.1768% | 3,436 |
| Memoranda: | ||
| Average total assets | $481,820,000 | 1,467 |
| Average earning assets | $446,356,500 | 1,463 |
| Average equity | $51,855,500 | 1,489 |
| Average total loans | $356,487,000 | 1,375 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3063% | 2,116 |
| Cost of funding earning assets | 0.5522% | 1,668 |
| Net interest margin | 3.7541% | 2,488 |
| Noninterest income to average assets | 0.5763% | 2,779 |
| Noninterest expense to average assets | 2.8342% | 2,907 |
| Loan and lease loss provision to assets | 0.2386% | 894 |
| Net operating income to assets | 0.9517% | 2,572 |
| Return on assets (ROA) | 0.9667% | 2,607 |
| Pretax return on assets | 0.9688% | 3,587 |
| Return on Equity (ROE) | 8.7587% | 2,537 |
| Retained earnings to average equity (ytd only) | 4.4893% | 2,718 |
| Net charge-offs to loans | 0.0411% | 3,209 |
| Credit loss provision to net charge-offs | 801.4184% | 462 |
| Earnings coverage of net charge-offs (x) | 40.0567% | 1,175 |
| Efficiency ratio | 70.3875% | 2,844 |
| Assets per employee ($millions) | 4.0725% | 3,838 |
| Cash dividends to net income (ytd only)* | 48.7443% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4091% | 2,039 |
| Loan loss allowance to noncurrent loans | 142.6341% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 1.2038% | 1,501 |
| Noncurrent loans to loans | 0.9879% | 2,116 |
| Net loans and leases to total assets | 73.7896% | 1,878 |
| Net loans and leases to deposits | 87.5871% | 1,977 |
| Net loans and leases to core deposits | 104.3965% | 1,251 |
| Total domestic deposits to total assets | 84.2470% | 3,336 |
| Equity capital to assets | 10.7116% | 2,910 |
| Core capital (leverage) ratio | 10.8766% | 2,464 |
| Tier 1 risk-based capital ratio | 13.7753% | 3,596 |
| Total risk-based capital ratio | 15.0268% | 3,500 |
| Memoranda: | ||
| Average total assets | $473,681,000 | 1,444 |
| Average earning assets | $435,338,600 | 1,457 |
| Average equity | $52,279,400 | 1,469 |
| Average total loans | $343,119,400 | 1,364 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4666% | 1,646 |
| Cost of funding earning assets | 0.5374% | 1,810 |
| Net interest margin | 3.9292% | 1,881 |
| Noninterest income to average assets | 0.6801% | 2,265 |
| Noninterest expense to average assets | 2.8561% | 2,801 |
| Loan and lease loss provision to assets | 0.0604% | 3,045 |
| Net operating income to assets | 1.3937% | 1,083 |
| Return on assets (ROA) | 1.4175% | 1,087 |
| Pretax return on assets | 1.4208% | 1,968 |
| Return on Equity (ROE) | 12.8726% | 1,092 |
| Retained earnings to average equity (ytd only) | 10.3145% | 512 |
| Net charge-offs to loans | -0.0119% | 4,835 |
| Credit loss provision to net charge-offs | -666.6667% | 5,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2132% | 3,559 |
| Assets per employee ($millions) | 3.8771% | 4,171 |
| Cash dividends to net income (ytd only)* | 19.8722% | 3,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2797% | 2,802 |
| Loan loss allowance to noncurrent loans | 99.5578% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 1.2277% | 1,613 |
| Noncurrent loans to loans | 1.2854% | 1,737 |
| Net loans and leases to total assets | 76.8005% | 1,396 |
| Net loans and leases to deposits | 95.2337% | 1,121 |
| Net loans and leases to core deposits | 117.0747% | 609 |
| Total domestic deposits to total assets | 80.6443% | 4,343 |
| Equity capital to assets | 11.2628% | 2,731 |
| Core capital (leverage) ratio | 10.8808% | 2,592 |
| Tier 1 risk-based capital ratio | 13.5957% | 3,806 |
| Total risk-based capital ratio | 14.8462% | 3,715 |
| Memoranda: | ||
| Average total assets | $397,600,250 | 1,695 |
| Average earning assets | $367,669,750 | 1,695 |
| Average equity | $43,782,000 | 1,705 |
| Average total loans | $303,503,000 | 1,509 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4577% | 1,645 |
| Cost of funding earning assets | 0.5333% | 1,844 |
| Net interest margin | 3.9245% | 1,899 |
| Noninterest income to average assets | 0.7809% | 1,804 |
| Noninterest expense to average assets | 2.8633% | 2,795 |
| Loan and lease loss provision to assets | 0.0811% | 2,516 |
| Net operating income to assets | 1.4598% | 959 |
| Return on assets (ROA) | 1.4679% | 993 |
| Pretax return on assets | 1.4715% | 1,767 |
| Return on Equity (ROE) | 13.4363% | 941 |
| Retained earnings to average equity (ytd only) | 9.5377% | 704 |
| Net charge-offs to loans | -0.0087% | 4,665 |
| Credit loss provision to net charge-offs | -1,230.7692% | 5,138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9603% | 3,853 |
| Assets per employee ($millions) | 3.7606% | 4,339 |
| Cash dividends to net income (ytd only)* | 29.0155% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3119% | 2,727 |
| Loan loss allowance to noncurrent loans | 109.8388% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 1.1986% | 1,736 |
| Noncurrent loans to loans | 1.1944% | 1,925 |
| Net loans and leases to total assets | 75.8457% | 1,517 |
| Net loans and leases to deposits | 91.1497% | 1,613 |
| Net loans and leases to core deposits | 111.7700% | 830 |
| Total domestic deposits to total assets | 83.2100% | 3,569 |
| Equity capital to assets | 11.1714% | 2,878 |
| Core capital (leverage) ratio | 10.8087% | 2,637 |
| Tier 1 risk-based capital ratio | 13.4463% | 3,938 |
| Total risk-based capital ratio | 14.6968% | 3,849 |
| Memoranda: | ||
| Average total assets | $394,433,670 | 1,712 |
| Average earning assets | $364,534,670 | 1,709 |
| Average equity | $43,092,330 | 1,733 |
| Average total loans | $299,101,330 | 1,524 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4966% | 1,516 |
| Cost of funding earning assets | 0.5293% | 1,869 |
| Net interest margin | 3.9673% | 1,716 |
| Noninterest income to average assets | 0.4812% | 3,249 |
| Noninterest expense to average assets | 2.7955% | 3,086 |
| Loan and lease loss provision to assets | 0.1325% | 1,594 |
| Net operating income to assets | 1.2112% | 1,518 |
| Return on assets (ROA) | 1.2255% | 1,582 |
| Pretax return on assets | 1.2275% | 2,593 |
| Return on Equity (ROE) | 11.3470% | 1,488 |
| Retained earnings to average equity (ytd only) | 11.3470% | 595 |
| Net charge-offs to loans | -0.0244% | 4,968 |
| Credit loss provision to net charge-offs | -722.2222% | 4,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5037% | 3,542 |
| Assets per employee ($millions) | 3.8891% | 4,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3639% | 2,587 |
| Loan loss allowance to noncurrent loans | 158.4921% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 1.1887% | 1,844 |
| Noncurrent loans to loans | 0.8606% | 2,694 |
| Net loans and leases to total assets | 73.5325% | 1,810 |
| Net loans and leases to deposits | 86.7354% | 1,980 |
| Net loans and leases to core deposits | 105.4296% | 1,115 |
| Total domestic deposits to total assets | 84.7779% | 3,215 |
| Equity capital to assets | 11.0006% | 2,943 |
| Core capital (leverage) ratio | 10.7631% | 2,660 |
| Tier 1 risk-based capital ratio | 13.6736% | 3,885 |
| Total risk-based capital ratio | 14.9247% | 3,812 |
| Memoranda: | ||
| Average total assets | $392,338,000 | 1,722 |
| Average earning assets | $361,959,000 | 1,719 |
| Average equity | $42,372,500 | 1,745 |
| Average total loans | $295,472,500 | 1,539 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4971% | 1,610 |
| Cost of funding earning assets | 0.5059% | 2,109 |
| Net interest margin | 3.9912% | 1,743 |
| Noninterest income to average assets | 0.6464% | 2,477 |
| Noninterest expense to average assets | 2.8265% | 3,123 |
| Loan and lease loss provision to assets | 0.0470% | 3,384 |
| Net operating income to assets | 1.4458% | 953 |
| Return on assets (ROA) | 1.4494% | 979 |
| Pretax return on assets | 1.4520% | 1,713 |
| Return on Equity (ROE) | 13.7333% | 905 |
| Retained earnings to average equity (ytd only) | 8.7817% | 709 |
| Net charge-offs to loans | 0.0052% | 4,268 |
| Credit loss provision to net charge-offs | 1,200.0000% | 280 |
| Earnings coverage of net charge-offs (x) | 381.5333% | 175 |
| Efficiency ratio | 65.3990% | 4,006 |
| Assets per employee ($millions) | 3.8419% | 4,219 |
| Cash dividends to net income (ytd only)* | 36.0555% | 3,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2901% | 2,960 |
| Loan loss allowance to noncurrent loans | 124.7486% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 1.3555% | 1,549 |
| Noncurrent loans to loans | 1.0342% | 2,266 |
| Net loans and leases to total assets | 75.0925% | 1,555 |
| Net loans and leases to deposits | 89.5031% | 1,684 |
| Net loans and leases to core deposits | 108.6504% | 936 |
| Total domestic deposits to total assets | 83.8993% | 3,520 |
| Equity capital to assets | 10.5990% | 3,253 |
| Core capital (leverage) ratio | 10.3984% | 3,055 |
| Tier 1 risk-based capital ratio | 13.0444% | 4,279 |
| Total risk-based capital ratio | 14.2947% | 4,189 |
| Memoranda: | ||
| Average total assets | $382,705,600 | 1,717 |
| Average earning assets | $352,427,800 | 1,713 |
| Average equity | $40,391,000 | 1,783 |
| Average total loans | $290,007,600 | 1,505 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4792% | 1,663 |
| Cost of funding earning assets | 0.4998% | 2,209 |
| Net interest margin | 3.9794% | 1,772 |
| Noninterest income to average assets | 0.6947% | 2,251 |
| Noninterest expense to average assets | 2.8621% | 2,968 |
| Loan and lease loss provision to assets | 0.0631% | 2,921 |
| Net operating income to assets | 1.4356% | 1,034 |
| Return on assets (ROA) | 1.4356% | 1,084 |
| Pretax return on assets | 1.4391% | 1,867 |
| Return on Equity (ROE) | 13.6173% | 977 |
| Retained earnings to average equity (ytd only) | 13.6173% | 232 |
| Net charge-offs to loans | 0.0032% | 4,074 |
| Credit loss provision to net charge-offs | 2,571.4286% | 138 |
| Earnings coverage of net charge-offs (x) | 612.4887% | 121 |
| Efficiency ratio | 65.5798% | 3,962 |
| Assets per employee ($millions) | 3.8182% | 4,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2891% | 3,155 |
| Loan loss allowance to noncurrent loans | 131.2223% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 1.3475% | 1,730 |
| Noncurrent loans to loans | 0.9824% | 2,527 |
| Net loans and leases to total assets | 75.7740% | 1,417 |
| Net loans and leases to deposits | 92.1467% | 1,389 |
| Net loans and leases to core deposits | 112.3548% | 743 |
| Total domestic deposits to total assets | 82.2319% | 4,089 |
| Equity capital to assets | 10.9051% | 3,124 |
| Core capital (leverage) ratio | 10.6866% | 2,842 |
| Tier 1 risk-based capital ratio | 13.2113% | 4,312 |
| Total risk-based capital ratio | 14.4616% | 4,236 |
| Memoranda: | ||
| Average total assets | $380,412,500 | 1,739 |
| Average earning assets | $350,797,500 | 1,736 |
| Average equity | $40,105,000 | 1,813 |
| Average total loans | $287,980,250 | 1,518 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4490% | 1,694 |
| Cost of funding earning assets | 0.4934% | 2,312 |
| Net interest margin | 3.9556% | 1,790 |
| Noninterest income to average assets | 0.7244% | 2,112 |
| Noninterest expense to average assets | 2.8781% | 2,963 |
| Loan and lease loss provision to assets | 0.0954% | 2,219 |
| Net operating income to assets | 1.3927% | 1,105 |
| Return on assets (ROA) | 1.3927% | 1,141 |
| Pretax return on assets | 1.3964% | 1,994 |
| Return on Equity (ROE) | 13.3685% | 1,042 |
| Retained earnings to average equity (ytd only) | 13.3685% | 276 |
| Net charge-offs to loans | 0.0007% | 3,879 |
| Credit loss provision to net charge-offs | 18,000.0000% | 27 |
| Earnings coverage of net charge-offs (x) | 2,815.0000% | 14 |
| Efficiency ratio | 65.8622% | 4,034 |
| Assets per employee ($millions) | 3.5845% | 4,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3522% | 2,975 |
| Loan loss allowance to noncurrent loans | 148.0061% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 1.2822% | 1,966 |
| Noncurrent loans to loans | 0.9136% | 2,841 |
| Net loans and leases to total assets | 74.8214% | 1,533 |
| Net loans and leases to deposits | 88.2183% | 1,805 |
| Net loans and leases to core deposits | 103.9946% | 1,187 |
| Total domestic deposits to total assets | 84.8139% | 3,208 |
| Equity capital to assets | 10.7506% | 3,166 |
| Core capital (leverage) ratio | 10.4522% | 3,021 |
| Tier 1 risk-based capital ratio | 13.0862% | 4,469 |
| Total risk-based capital ratio | 14.3368% | 4,383 |
| Memoranda: | ||
| Average total assets | $377,396,330 | 1,762 |
| Average earning assets | $347,811,330 | 1,763 |
| Average equity | $39,316,330 | 1,849 |
| Average total loans | $284,319,000 | 1,537 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3828% | 1,828 |
| Cost of funding earning assets | 0.4847% | 2,422 |
| Net interest margin | 3.8981% | 1,902 |
| Noninterest income to average assets | 0.4879% | 3,364 |
| Noninterest expense to average assets | 2.8949% | 2,924 |
| Loan and lease loss provision to assets | 0.1429% | 1,430 |
| Net operating income to assets | 1.0394% | 2,082 |
| Return on assets (ROA) | 1.0394% | 2,229 |
| Pretax return on assets | 1.0426% | 3,328 |
| Return on Equity (ROE) | 10.1385% | 1,936 |
| Retained earnings to average equity (ytd only) | 10.1385% | 887 |
| Net charge-offs to loans | 0.1085% | 1,657 |
| Credit loss provision to net charge-offs | 175.3247% | 1,144 |
| Earnings coverage of net charge-offs (x) | 14.5455% | 1,666 |
| Efficiency ratio | 70.9468% | 3,327 |
| Assets per employee ($millions) | 3.5394% | 4,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3368% | 3,208 |
| Loan loss allowance to noncurrent loans | 171.2781% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 1.1811% | 2,270 |
| Noncurrent loans to loans | 0.7805% | 3,301 |
| Net loans and leases to total assets | 73.5572% | 1,565 |
| Net loans and leases to deposits | 85.6910% | 1,872 |
| Net loans and leases to core deposits | 101.4950% | 1,220 |
| Total domestic deposits to total assets | 85.8401% | 3,019 |
| Equity capital to assets | 10.5453% | 3,486 |
| Core capital (leverage) ratio | 10.0882% | 3,493 |
| Tier 1 risk-based capital ratio | 12.7044% | 4,784 |
| Total risk-based capital ratio | 13.9548% | 4,705 |
| Memoranda: | ||
| Average total assets | $377,909,000 | 1,762 |
| Average earning assets | $348,269,500 | 1,765 |
| Average equity | $38,743,500 | 1,884 |
| Average total loans | $283,745,500 | 1,546 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5671% | 1,645 |
| Cost of funding earning assets | 0.4511% | 3,163 |
| Net interest margin | 4.1160% | 1,525 |
| Noninterest income to average assets | 0.3952% | 4,218 |
| Noninterest expense to average assets | 2.9690% | 2,934 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1850% | 1,638 |
| Return on assets (ROA) | 1.1852% | 1,704 |
| Pretax return on assets | 1.1883% | 2,699 |
| Return on Equity (ROE) | 11.6896% | 1,495 |
| Retained earnings to average equity (ytd only) | 5.2719% | 2,418 |
| Net charge-offs to loans | 0.0026% | 4,916 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 615.0000% | 82 |
| Efficiency ratio | 71.4219% | 3,308 |
| Assets per employee ($millions) | 3.6252% | 4,673 |
| Cash dividends to net income (ytd only)* | 54.9010% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2791% | 3,548 |
| Loan loss allowance to noncurrent loans | 134.0984% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 1.3020% | 2,160 |
| Noncurrent loans to loans | 0.9538% | 2,941 |
| Net loans and leases to total assets | 74.6376% | 1,473 |
| Net loans and leases to deposits | 88.2766% | 1,706 |
| Net loans and leases to core deposits | 103.8092% | 1,138 |
| Total domestic deposits to total assets | 84.5497% | 3,484 |
| Equity capital to assets | 9.9631% | 4,160 |
| Core capital (leverage) ratio | 9.9035% | 3,705 |
| Tier 1 risk-based capital ratio | 11.5413% | 5,632 |
| Total risk-based capital ratio | 12.7353% | 5,589 |
| Memoranda: | ||
| Average total assets | $362,374,400 | 1,796 |
| Average earning assets | $331,197,600 | 1,812 |
| Average equity | $36,742,200 | 1,912 |
| Average total loans | $271,516,400 | 1,569 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5484% | 1,708 |
| Cost of funding earning assets | 0.4473% | 3,286 |
| Net interest margin | 4.1012% | 1,570 |
| Noninterest income to average assets | 0.4621% | 3,797 |
| Noninterest expense to average assets | 3.0112% | 2,769 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1913% | 1,702 |
| Return on assets (ROA) | 1.1913% | 1,776 |
| Pretax return on assets | 1.1954% | 2,793 |
| Return on Equity (ROE) | 11.6953% | 1,561 |
| Retained earnings to average equity (ytd only) | 3.0692% | 4,434 |
| Net charge-offs to loans | -0.0947% | 6,125 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5830% | 3,252 |
| Assets per employee ($millions) | 3.4533% | 4,948 |
| Cash dividends to net income (ytd only)* | 73.7566% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3931% | 3,212 |
| Loan loss allowance to noncurrent loans | 132.3549% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 1.5083% | 2,042 |
| Noncurrent loans to loans | 1.0525% | 2,967 |
| Net loans and leases to total assets | 74.2892% | 1,474 |
| Net loans and leases to deposits | 88.5551% | 1,602 |
| Net loans and leases to core deposits | 99.1440% | 1,438 |
| Total domestic deposits to total assets | 83.8903% | 3,802 |
| Equity capital to assets | 9.9034% | 4,297 |
| Core capital (leverage) ratio | 9.9550% | 3,737 |
| Tier 1 risk-based capital ratio | 11.5272% | 5,780 |
| Total risk-based capital ratio | 12.7776% | 5,706 |
| Memoranda: | ||
| Average total assets | $357,806,500 | 1,835 |
| Average earning assets | $326,696,750 | 1,848 |
| Average equity | $36,446,750 | 1,936 |
| Average total loans | $267,449,000 | 1,596 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5364% | 1,707 |
| Cost of funding earning assets | 0.4515% | 3,315 |
| Net interest margin | 4.0849% | 1,557 |
| Noninterest income to average assets | 0.5499% | 3,124 |
| Noninterest expense to average assets | 3.0222% | 2,756 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2450% | 1,459 |
| Return on assets (ROA) | 1.2450% | 1,521 |
| Pretax return on assets | 1.2500% | 2,453 |
| Return on Equity (ROE) | 12.1051% | 1,390 |
| Retained earnings to average equity (ytd only) | 12.1051% | 415 |
| Net charge-offs to loans | -0.2009% | 6,342 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7407% | 3,529 |
| Assets per employee ($millions) | 3.1694% | 5,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5077% | 2,864 |
| Loan loss allowance to noncurrent loans | 114.3808% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 1.9386% | 1,665 |
| Noncurrent loans to loans | 1.3181% | 2,608 |
| Net loans and leases to total assets | 73.4060% | 1,521 |
| Net loans and leases to deposits | 84.7790% | 1,958 |
| Net loans and leases to core deposits | 95.2100% | 1,669 |
| Total domestic deposits to total assets | 86.5852% | 2,712 |
| Equity capital to assets | 10.8247% | 3,060 |
| Core capital (leverage) ratio | 10.6447% | 2,773 |
| Tier 1 risk-based capital ratio | 12.5951% | 5,161 |
| Total risk-based capital ratio | 13.8468% | 5,094 |
| Memoranda: | ||
| Average total assets | $353,909,330 | 1,855 |
| Average earning assets | $322,503,670 | 1,866 |
| Average equity | $36,398,000 | 1,926 |
| Average total loans | $263,807,000 | 1,608 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5726% | 1,579 |
| Cost of funding earning assets | 0.4591% | 3,318 |
| Net interest margin | 4.1135% | 1,424 |
| Noninterest income to average assets | 0.5015% | 3,397 |
| Noninterest expense to average assets | 2.9817% | 2,927 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2610% | 1,318 |
| Return on assets (ROA) | 1.2610% | 1,372 |
| Pretax return on assets | 1.2655% | 2,229 |
| Return on Equity (ROE) | 12.5884% | 1,262 |
| Retained earnings to average equity (ytd only) | 12.5884% | 533 |
| Net charge-offs to loans | -0.2449% | 6,435 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2043% | 3,801 |
| Assets per employee ($millions) | 3.2818% | 5,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4736% | 3,267 |
| Loan loss allowance to noncurrent loans | 96.6123% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 2.2375% | 1,476 |
| Noncurrent loans to loans | 1.5253% | 2,513 |
| Net loans and leases to total assets | 73.3054% | 1,385 |
| Net loans and leases to deposits | 82.9383% | 1,954 |
| Net loans and leases to core deposits | 92.8398% | 1,651 |
| Total domestic deposits to total assets | 88.3854% | 2,000 |
| Equity capital to assets | 10.3761% | 3,361 |
| Core capital (leverage) ratio | 10.2364% | 3,241 |
| Tier 1 risk-based capital ratio | 12.2982% | 5,441 |
| Total risk-based capital ratio | 13.5496% | 5,375 |
| Memoranda: | ||
| Average total assets | $354,965,000 | 1,852 |
| Average earning assets | $323,229,500 | 1,865 |
| Average equity | $35,556,500 | 1,961 |
| Average total loans | $264,613,500 | 1,610 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5476% | 2,042 |
| Cost of funding earning assets | 0.5336% | 3,258 |
| Net interest margin | 4.0140% | 1,910 |
| Noninterest income to average assets | 0.4857% | 3,850 |
| Noninterest expense to average assets | 3.0924% | 2,761 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0604% | 2,076 |
| Return on assets (ROA) | 1.0781% | 2,090 |
| Pretax return on assets | 1.0796% | 3,032 |
| Return on Equity (ROE) | 11.1709% | 1,712 |
| Retained earnings to average equity (ytd only) | 11.1709% | 402 |
| Net charge-offs to loans | -0.0998% | 6,476 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4402% | 3,055 |
| Assets per employee ($millions) | 3.3220% | 5,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3763% | 3,760 |
| Loan loss allowance to noncurrent loans | 70.8549% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 2.5581% | 1,332 |
| Noncurrent loans to loans | 1.9424% | 2,056 |
| Net loans and leases to total assets | 73.6600% | 1,407 |
| Net loans and leases to deposits | 84.2399% | 1,903 |
| Net loans and leases to core deposits | 94.6808% | 1,549 |
| Total domestic deposits to total assets | 87.4407% | 2,502 |
| Equity capital to assets | 9.6653% | 4,202 |
| Core capital (leverage) ratio | 9.9303% | 3,666 |
| Tier 1 risk-based capital ratio | 11.6043% | 5,854 |
| Total risk-based capital ratio | 12.8538% | 5,792 |
| Memoranda: | ||
| Average total assets | $349,399,800 | 1,852 |
| Average earning assets | $319,333,000 | 1,863 |
| Average equity | $33,721,400 | 2,042 |
| Average total loans | $257,442,200 | 1,618 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5348% | 2,101 |
| Cost of funding earning assets | 0.5442% | 3,330 |
| Net interest margin | 3.9906% | 1,978 |
| Noninterest income to average assets | 0.5013% | 3,794 |
| Noninterest expense to average assets | 3.0381% | 2,863 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1183% | 1,940 |
| Return on assets (ROA) | 1.1422% | 1,918 |
| Pretax return on assets | 1.1437% | 2,928 |
| Return on Equity (ROE) | 11.8387% | 1,527 |
| Retained earnings to average equity (ytd only) | 11.8387% | 442 |
| Net charge-offs to loans | -0.1261% | 6,553 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0666% | 3,210 |
| Assets per employee ($millions) | 3.2096% | 5,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4072% | 3,863 |
| Loan loss allowance to noncurrent loans | 77.1105% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 2.7822% | 1,347 |
| Noncurrent loans to loans | 1.8249% | 2,463 |
| Net loans and leases to total assets | 74.2224% | 1,258 |
| Net loans and leases to deposits | 84.9420% | 1,752 |
| Net loans and leases to core deposits | 95.4080% | 1,439 |
| Total domestic deposits to total assets | 87.3801% | 2,471 |
| Equity capital to assets | 9.8657% | 4,088 |
| Core capital (leverage) ratio | 9.9792% | 3,706 |
| Tier 1 risk-based capital ratio | 11.7697% | 5,917 |
| Total risk-based capital ratio | 13.0205% | 5,872 |
| Memoranda: | ||
| Average total assets | $347,055,500 | 1,874 |
| Average earning assets | $318,008,750 | 1,886 |
| Average equity | $33,482,500 | 2,079 |
| Average total loans | $254,812,000 | 1,632 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4692% | 2,311 |
| Cost of funding earning assets | 0.5611% | 3,296 |
| Net interest margin | 3.9081% | 2,189 |
| Noninterest income to average assets | 0.4176% | 4,392 |
| Noninterest expense to average assets | 3.0156% | 2,953 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9873% | 2,383 |
| Return on assets (ROA) | 1.0242% | 2,343 |
| Pretax return on assets | 1.0259% | 3,391 |
| Return on Equity (ROE) | 10.6967% | 1,928 |
| Retained earnings to average equity (ytd only) | 10.6967% | 703 |
| Net charge-offs to loans | -0.2991% | 6,758 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3021% | 2,895 |
| Assets per employee ($millions) | 3.2934% | 5,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4918% | 3,627 |
| Loan loss allowance to noncurrent loans | 57.2094% | 4,926 |
| Noncurrent assets plus other real estate owned to assets | 3.5211% | 1,092 |
| Noncurrent loans to loans | 2.6077% | 1,758 |
| Net loans and leases to total assets | 72.7331% | 1,445 |
| Net loans and leases to deposits | 82.8846% | 1,945 |
| Net loans and leases to core deposits | 91.6720% | 1,744 |
| Total domestic deposits to total assets | 87.7523% | 2,411 |
| Equity capital to assets | 9.4724% | 4,617 |
| Core capital (leverage) ratio | 9.5896% | 4,095 |
| Tier 1 risk-based capital ratio | 11.5275% | 6,095 |
| Total risk-based capital ratio | 12.7789% | 6,063 |
| Memoranda: | ||
| Average total assets | $347,196,000 | 1,879 |
| Average earning assets | $318,667,670 | 1,878 |
| Average equity | $33,244,000 | 2,096 |
| Average total loans | $252,765,330 | 1,646 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4954% | 2,187 |
| Cost of funding earning assets | 0.5798% | 3,295 |
| Net interest margin | 3.9156% | 2,062 |
| Noninterest income to average assets | 0.3691% | 4,716 |
| Noninterest expense to average assets | 3.0182% | 2,932 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9382% | 2,479 |
| Return on assets (ROA) | 0.9612% | 2,523 |
| Pretax return on assets | 0.9612% | 3,517 |
| Return on Equity (ROE) | 9.9857% | 2,067 |
| Retained earnings to average equity (ytd only) | 9.9857% | 1,110 |
| Net charge-offs to loans | -0.2799% | 6,758 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2860% | 2,880 |
| Assets per employee ($millions) | 3.3639% | 5,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4567% | 3,991 |
| Loan loss allowance to noncurrent loans | 52.4197% | 5,057 |
| Noncurrent assets plus other real estate owned to assets | 3.5759% | 1,179 |
| Noncurrent loans to loans | 2.7789% | 1,825 |
| Net loans and leases to total assets | 69.7475% | 1,705 |
| Net loans and leases to deposits | 79.6965% | 2,115 |
| Net loans and leases to core deposits | 88.0535% | 1,905 |
| Total domestic deposits to total assets | 87.5164% | 2,623 |
| Equity capital to assets | 9.6738% | 4,599 |
| Core capital (leverage) ratio | 9.2773% | 4,438 |
| Tier 1 risk-based capital ratio | 11.4456% | 6,212 |
| Total risk-based capital ratio | 12.6968% | 6,185 |
| Memoranda: | ||
| Average total assets | $347,892,000 | 1,903 |
| Average earning assets | $318,729,000 | 1,904 |
| Average equity | $33,488,000 | 2,108 |
| Average total loans | $251,486,500 | 1,658 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7765% | 2,293 |
| Cost of funding earning assets | 0.8004% | 2,665 |
| Net interest margin | 3.9760% | 2,488 |
| Noninterest income to average assets | 0.1032% | 6,492 |
| Noninterest expense to average assets | 3.1297% | 2,848 |
| Loan and lease loss provision to assets | 0.0109% | 5,783 |
| Net operating income to assets | 0.5745% | 4,363 |
| Return on assets (ROA) | 0.6389% | 4,306 |
| Pretax return on assets | 0.6404% | 4,846 |
| Return on Equity (ROE) | 6.7763% | 3,772 |
| Retained earnings to average equity (ytd only) | 6.7763% | 1,680 |
| Net charge-offs to loans | 0.4380% | 2,482 |
| Credit loss provision to net charge-offs | 3.4515% | 5,461 |
| Earnings coverage of net charge-offs (x) | 1.8610% | 4,500 |
| Efficiency ratio | 84.1314% | 1,617 |
| Assets per employee ($millions) | 3.2032% | 5,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3436% | 4,440 |
| Loan loss allowance to noncurrent loans | 53.3178% | 4,968 |
| Noncurrent assets plus other real estate owned to assets | 3.7816% | 1,168 |
| Noncurrent loans to loans | 2.5200% | 2,093 |
| Net loans and leases to total assets | 72.8241% | 1,369 |
| Net loans and leases to deposits | 83.1334% | 1,867 |
| Net loans and leases to core deposits | 92.8497% | 1,566 |
| Total domestic deposits to total assets | 87.5991% | 2,478 |
| Equity capital to assets | 9.5776% | 4,783 |
| Core capital (leverage) ratio | 9.1423% | 4,673 |
| Tier 1 risk-based capital ratio | 10.8546% | 6,404 |
| Total risk-based capital ratio | 12.0880% | 6,385 |
| Memoranda: | ||
| Average total assets | $339,968,600 | 1,905 |
| Average earning assets | $308,952,200 | 1,918 |
| Average equity | $32,053,000 | 2,138 |
| Average total loans | $244,750,200 | 1,683 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7945% | 2,412 |
| Cost of funding earning assets | 0.8469% | 2,566 |
| Net interest margin | 3.9476% | 2,714 |
| Noninterest income to average assets | 0.1973% | 6,117 |
| Noninterest expense to average assets | 3.1549% | 2,702 |
| Loan and lease loss provision to assets | 0.0146% | 5,630 |
| Net operating income to assets | 0.6141% | 4,330 |
| Return on assets (ROA) | 0.6669% | 4,325 |
| Pretax return on assets | 0.6685% | 4,960 |
| Return on Equity (ROE) | 7.1022% | 3,750 |
| Retained earnings to average equity (ytd only) | 7.1022% | 2,062 |
| Net charge-offs to loans | 0.4373% | 2,351 |
| Credit loss provision to net charge-offs | 4.6599% | 5,130 |
| Earnings coverage of net charge-offs (x) | 2.0151% | 4,261 |
| Efficiency ratio | 83.2449% | 1,676 |
| Assets per employee ($millions) | 3.1033% | 5,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5060% | 3,927 |
| Loan loss allowance to noncurrent loans | 43.8468% | 5,460 |
| Noncurrent assets plus other real estate owned to assets | 4.3960% | 1,058 |
| Noncurrent loans to loans | 3.4346% | 1,587 |
| Net loans and leases to total assets | 71.7133% | 1,601 |
| Net loans and leases to deposits | 82.2599% | 2,084 |
| Net loans and leases to core deposits | 94.1974% | 1,568 |
| Total domestic deposits to total assets | 87.1788% | 2,570 |
| Equity capital to assets | 9.8253% | 4,743 |
| Core capital (leverage) ratio | 9.2351% | 4,693 |
| Tier 1 risk-based capital ratio | 11.0013% | 6,481 |
| Total risk-based capital ratio | 12.2526% | 6,463 |
| Memoranda: | ||
| Average total assets | $338,475,250 | 1,927 |
| Average earning assets | $307,621,500 | 1,943 |
| Average equity | $31,783,000 | 2,172 |
| Average total loans | $242,097,750 | 1,715 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7498% | 2,719 |
| Cost of funding earning assets | 0.9103% | 2,315 |
| Net interest margin | 3.8395% | 3,181 |
| Noninterest income to average assets | 0.5707% | 3,443 |
| Noninterest expense to average assets | 3.5812% | 1,617 |
| Loan and lease loss provision to assets | 0.0160% | 5,464 |
| Net operating income to assets | 0.4525% | 5,028 |
| Return on assets (ROA) | 0.5146% | 5,015 |
| Pretax return on assets | 0.5163% | 5,397 |
| Return on Equity (ROE) | 5.5657% | 4,545 |
| Retained earnings to average equity (ytd only) | 5.5657% | 2,947 |
| Net charge-offs to loans | 0.1421% | 3,782 |
| Credit loss provision to net charge-offs | 15.7895% | 4,671 |
| Earnings coverage of net charge-offs (x) | 4.6550% | 3,025 |
| Efficiency ratio | 88.2473% | 1,213 |
| Assets per employee ($millions) | 3.0183% | 6,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7587% | 2,991 |
| Loan loss allowance to noncurrent loans | 44.4011% | 5,425 |
| Noncurrent assets plus other real estate owned to assets | 5.0121% | 950 |
| Noncurrent loans to loans | 3.9609% | 1,402 |
| Net loans and leases to total assets | 72.7162% | 1,442 |
| Net loans and leases to deposits | 83.5502% | 1,910 |
| Net loans and leases to core deposits | 97.3755% | 1,314 |
| Total domestic deposits to total assets | 87.0329% | 2,746 |
| Equity capital to assets | 9.6489% | 4,837 |
| Core capital (leverage) ratio | 8.9676% | 4,957 |
| Tier 1 risk-based capital ratio | 10.7981% | 6,585 |
| Total risk-based capital ratio | 12.0523% | 6,566 |
| Memoranda: | ||
| Average total assets | $338,546,670 | 1,921 |
| Average earning assets | $306,917,330 | 1,941 |
| Average equity | $31,299,000 | 2,185 |
| Average total loans | $240,701,330 | 1,716 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7290% | 2,936 |
| Cost of funding earning assets | 0.9642% | 2,204 |
| Net interest margin | 3.7648% | 3,543 |
| Noninterest income to average assets | 0.5301% | 3,698 |
| Noninterest expense to average assets | 3.3188% | 2,236 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6097% | 4,301 |
| Return on assets (ROA) | 0.6097% | 4,512 |
| Pretax return on assets | 0.6109% | 5,081 |
| Return on Equity (ROE) | 6.7377% | 3,925 |
| Retained earnings to average equity (ytd only) | 6.7377% | 2,557 |
| Net charge-offs to loans | -0.3829% | 7,109 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2466% | 1,660 |
| Assets per employee ($millions) | 3.1670% | 5,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0230% | 2,291 |
| Loan loss allowance to noncurrent loans | 43.6448% | 5,427 |
| Noncurrent assets plus other real estate owned to assets | 5.3052% | 953 |
| Noncurrent loans to loans | 4.6352% | 1,236 |
| Net loans and leases to total assets | 66.4641% | 2,378 |
| Net loans and leases to deposits | 76.0881% | 2,786 |
| Net loans and leases to core deposits | 90.9503% | 1,757 |
| Total domestic deposits to total assets | 87.3514% | 2,746 |
| Equity capital to assets | 9.2147% | 5,213 |
| Core capital (leverage) ratio | 8.7296% | 5,252 |
| Tier 1 risk-based capital ratio | 11.0133% | 6,525 |
| Total risk-based capital ratio | 12.2702% | 6,511 |
| Memoranda: | ||
| Average total assets | $341,811,500 | 1,917 |
| Average earning assets | $308,649,500 | 1,936 |
| Average equity | $30,930,500 | 2,209 |
| Average total loans | $238,176,000 | 1,732 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0854% | 2,503 |
| Cost of funding earning assets | 1.2580% | 1,692 |
| Net interest margin | 3.8275% | 3,686 |
| Noninterest income to average assets | 0.5095% | 3,781 |
| Noninterest expense to average assets | 3.5544% | 1,850 |
| Loan and lease loss provision to assets | 0.2651% | 3,569 |
| Net operating income to assets | 0.1503% | 5,732 |
| Return on assets (ROA) | 0.1888% | 5,753 |
| Pretax return on assets | 0.1902% | 5,810 |
| Return on Equity (ROE) | 2.2411% | 5,567 |
| Retained earnings to average equity (ytd only) | 2.2411% | 4,617 |
| Net charge-offs to loans | 0.6003% | 2,648 |
| Credit loss provision to net charge-offs | 61.6734% | 5,128 |
| Earnings coverage of net charge-offs (x) | 0.9690% | 5,073 |
| Efficiency ratio | 89.3011% | 1,246 |
| Assets per employee ($millions) | 3.0499% | 5,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8279% | 2,780 |
| Loan loss allowance to noncurrent loans | 35.9842% | 5,840 |
| Noncurrent assets plus other real estate owned to assets | 6.4043% | 743 |
| Noncurrent loans to loans | 5.0797% | 1,105 |
| Net loans and leases to total assets | 70.2196% | 1,993 |
| Net loans and leases to deposits | 80.7554% | 2,401 |
| Net loans and leases to core deposits | 98.0702% | 1,325 |
| Total domestic deposits to total assets | 86.9534% | 2,793 |
| Equity capital to assets | 8.8830% | 5,695 |
| Core capital (leverage) ratio | 8.3332% | 5,807 |
| Tier 1 risk-based capital ratio | 10.1179% | 6,821 |
| Total risk-based capital ratio | 11.3727% | 6,806 |
| Memoranda: | ||
| Average total assets | $344,839,600 | 1,881 |
| Average earning assets | $311,851,400 | 1,890 |
| Average equity | $29,048,600 | 2,269 |
| Average total loans | $246,865,200 | 1,692 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1041% | 2,586 |
| Cost of funding earning assets | 1.2919% | 1,754 |
| Net interest margin | 3.8122% | 3,811 |
| Noninterest income to average assets | 0.4880% | 3,972 |
| Noninterest expense to average assets | 3.3991% | 2,189 |
| Loan and lease loss provision to assets | 0.4150% | 2,386 |
| Net operating income to assets | 0.1297% | 5,888 |
| Return on assets (ROA) | 0.1809% | 5,877 |
| Pretax return on assets | 0.1825% | 5,928 |
| Return on Equity (ROE) | 2.1769% | 5,712 |
| Retained earnings to average equity (ytd only) | 2.1769% | 5,034 |
| Net charge-offs to loans | 0.6874% | 2,196 |
| Credit loss provision to net charge-offs | 84.3260% | 3,990 |
| Earnings coverage of net charge-offs (x) | 1.1089% | 4,798 |
| Efficiency ratio | 85.9490% | 1,534 |
| Assets per employee ($millions) | 3.0882% | 5,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8830% | 2,665 |
| Loan loss allowance to noncurrent loans | 35.1141% | 5,954 |
| Noncurrent assets plus other real estate owned to assets | 6.7642% | 748 |
| Noncurrent loans to loans | 5.3625% | 1,123 |
| Net loans and leases to total assets | 71.9348% | 1,722 |
| Net loans and leases to deposits | 82.7540% | 2,214 |
| Net loans and leases to core deposits | 105.6047% | 890 |
| Total domestic deposits to total assets | 86.9261% | 2,698 |
| Equity capital to assets | 8.8286% | 5,949 |
| Core capital (leverage) ratio | 8.2628% | 6,032 |
| Tier 1 risk-based capital ratio | 9.7874% | 7,009 |
| Total risk-based capital ratio | 11.0430% | 7,000 |
| Memoranda: | ||
| Average total assets | $345,653,500 | 1,877 |
| Average earning assets | $313,441,000 | 1,886 |
| Average equity | $28,725,000 | 2,289 |
| Average total loans | $247,500,250 | 1,707 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0271% | 3,030 |
| Cost of funding earning assets | 1.3294% | 1,763 |
| Net interest margin | 3.6978% | 4,271 |
| Noninterest income to average assets | 0.4503% | 4,282 |
| Noninterest expense to average assets | 3.4583% | 2,097 |
| Loan and lease loss provision to assets | 0.6011% | 1,605 |
| Net operating income to assets | -0.2564% | 6,521 |
| Return on assets (ROA) | -0.2564% | 6,555 |
| Pretax return on assets | -0.2553% | 6,500 |
| Return on Equity (ROE) | -3.1486% | 6,601 |
| Retained earnings to average equity (ytd only) | -3.1486% | 6,392 |
| Net charge-offs to loans | 1.0858% | 1,454 |
| Credit loss provision to net charge-offs | 77.9182% | 3,830 |
| Earnings coverage of net charge-offs (x) | 0.4483% | 4,965 |
| Efficiency ratio | 90.6815% | 1,197 |
| Assets per employee ($millions) | 3.1391% | 5,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8601% | 2,798 |
| Loan loss allowance to noncurrent loans | 30.4409% | 6,235 |
| Noncurrent assets plus other real estate owned to assets | 7.3208% | 672 |
| Noncurrent loans to loans | 6.1104% | 964 |
| Net loans and leases to total assets | 71.4731% | 1,890 |
| Net loans and leases to deposits | 82.5288% | 2,370 |
| Net loans and leases to core deposits | 105.4526% | 961 |
| Total domestic deposits to total assets | 86.6038% | 2,985 |
| Equity capital to assets | 8.4908% | 6,198 |
| Core capital (leverage) ratio | 7.6701% | 6,613 |
| Tier 1 risk-based capital ratio | 9.4850% | 7,107 |
| Total risk-based capital ratio | 10.7403% | 7,108 |
| Memoranda: | ||
| Average total assets | $348,668,330 | 1,876 |
| Average earning assets | $316,244,330 | 1,881 |
| Average equity | $28,394,000 | 2,285 |
| Average total loans | $247,738,330 | 1,720 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0158% | 3,031 |
| Cost of funding earning assets | 1.3480% | 1,896 |
| Net interest margin | 3.6678% | 4,255 |
| Noninterest income to average assets | 0.4439% | 4,336 |
| Noninterest expense to average assets | 3.2479% | 2,713 |
| Loan and lease loss provision to assets | 0.1667% | 3,960 |
| Net operating income to assets | 0.3571% | 5,140 |
| Return on assets (ROA) | 0.3571% | 5,218 |
| Pretax return on assets | 0.3582% | 5,477 |
| Return on Equity (ROE) | 4.4756% | 4,670 |
| Retained earnings to average equity (ytd only) | 4.4756% | 3,492 |
| Net charge-offs to loans | 0.5856% | 2,026 |
| Credit loss provision to net charge-offs | 40.5479% | 3,935 |
| Earnings coverage of net charge-offs (x) | 1.2767% | 3,712 |
| Efficiency ratio | 85.8764% | 1,727 |
| Assets per employee ($millions) | 3.3828% | 5,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9009% | 2,687 |
| Loan loss allowance to noncurrent loans | 39.0289% | 5,693 |
| Noncurrent assets plus other real estate owned to assets | 6.1598% | 921 |
| Noncurrent loans to loans | 4.8704% | 1,392 |
| Net loans and leases to total assets | 67.2721% | 2,699 |
| Net loans and leases to deposits | 77.2732% | 3,195 |
| Net loans and leases to core deposits | 106.5819% | 913 |
| Total domestic deposits to total assets | 87.0574% | 2,914 |
| Equity capital to assets | 8.0579% | 6,443 |
| Core capital (leverage) ratio | 7.8160% | 6,449 |
| Tier 1 risk-based capital ratio | 9.6022% | 7,124 |
| Total risk-based capital ratio | 10.8576% | 7,129 |
| Memoranda: | ||
| Average total assets | $355,062,500 | 1,858 |
| Average earning assets | $322,264,500 | 1,867 |
| Average equity | $28,331,500 | 2,280 |
| Average total loans | $249,300,500 | 1,733 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5669% | 2,020 |
| Cost of funding earning assets | 1.6181% | 1,962 |
| Net interest margin | 3.9488% | 3,262 |
| Noninterest income to average assets | 0.4810% | 4,309 |
| Noninterest expense to average assets | 3.4626% | 2,266 |
| Loan and lease loss provision to assets | 1.5640% | 933 |
| Net operating income to assets | -1.0027% | 6,682 |
| Return on assets (ROA) | -0.8835% | 6,647 |
| Pretax return on assets | -0.8821% | 6,565 |
| Return on Equity (ROE) | -11.0624% | 6,776 |
| Retained earnings to average equity (ytd only) | -11.0624% | 6,717 |
| Net charge-offs to loans | 2.2020% | 885 |
| Credit loss provision to net charge-offs | 95.2186% | 4,884 |
| Earnings coverage of net charge-offs (x) | 0.3426% | 5,762 |
| Efficiency ratio | 85.8198% | 1,714 |
| Assets per employee ($millions) | 3.3171% | 5,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9006% | 2,564 |
| Loan loss allowance to noncurrent loans | 38.7791% | 5,713 |
| Noncurrent assets plus other real estate owned to assets | 6.3601% | 898 |
| Noncurrent loans to loans | 4.9011% | 1,398 |
| Net loans and leases to total assets | 70.4863% | 2,413 |
| Net loans and leases to deposits | 80.8121% | 3,025 |
| Net loans and leases to core deposits | 111.5750% | 840 |
| Total domestic deposits to total assets | 87.2224% | 2,708 |
| Equity capital to assets | 7.9006% | 6,583 |
| Core capital (leverage) ratio | 7.7049% | 6,542 |
| Tier 1 risk-based capital ratio | 9.1853% | 7,204 |
| Total risk-based capital ratio | 10.4407% | 7,208 |
| Memoranda: | ||
| Average total assets | $356,520,600 | 1,833 |
| Average earning assets | $319,996,200 | 1,858 |
| Average equity | $28,474,800 | 2,286 |
| Average total loans | $265,936,800 | 1,671 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6297% | 1,948 |
| Cost of funding earning assets | 1.6720% | 1,998 |
| Net interest margin | 3.9577% | 3,299 |
| Noninterest income to average assets | 0.4767% | 4,358 |
| Noninterest expense to average assets | 3.4760% | 2,095 |
| Loan and lease loss provision to assets | 1.8712% | 663 |
| Net operating income to assets | -1.3314% | 7,044 |
| Return on assets (ROA) | -1.1730% | 7,010 |
| Pretax return on assets | -1.1715% | 6,932 |
| Return on Equity (ROE) | -14.6470% | 7,094 |
| Retained earnings to average equity (ytd only) | -14.6470% | 7,066 |
| Net charge-offs to loans | 1.8928% | 1,012 |
| Credit loss provision to net charge-offs | 131.3319% | 3,072 |
| Earnings coverage of net charge-offs (x) | 0.3799% | 5,651 |
| Efficiency ratio | 86.3214% | 1,599 |
| Assets per employee ($millions) | 3.3087% | 5,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3725% | 1,511 |
| Loan loss allowance to noncurrent loans | 57.0115% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 6.1446% | 963 |
| Noncurrent loans to loans | 4.1614% | 1,769 |
| Net loans and leases to total assets | 74.8838% | 1,601 |
| Net loans and leases to deposits | 86.4451% | 2,247 |
| Net loans and leases to core deposits | 121.6914% | 567 |
| Total domestic deposits to total assets | 86.6259% | 2,733 |
| Equity capital to assets | 8.2874% | 6,523 |
| Core capital (leverage) ratio | 7.8385% | 6,534 |
| Tier 1 risk-based capital ratio | 9.0104% | 7,362 |
| Total risk-based capital ratio | 10.2713% | 7,376 |
| Memoranda: | ||
| Average total assets | $356,917,500 | 1,854 |
| Average earning assets | $319,298,500 | 1,889 |
| Average equity | $28,583,000 | 2,305 |
| Average total loans | $268,664,500 | 1,672 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6109% | 2,100 |
| Cost of funding earning assets | 1.7160% | 2,036 |
| Net interest margin | 3.8949% | 3,470 |
| Noninterest income to average assets | 0.4504% | 4,509 |
| Noninterest expense to average assets | 3.7641% | 1,429 |
| Loan and lease loss provision to assets | 2.5233% | 446 |
| Net operating income to assets | -2.3517% | 7,385 |
| Return on assets (ROA) | -2.2272% | 7,367 |
| Pretax return on assets | -2.2256% | 7,301 |
| Return on Equity (ROE) | -28.1269% | 7,409 |
| Retained earnings to average equity (ytd only) | -28.1269% | 7,396 |
| Net charge-offs to loans | 2.5413% | 671 |
| Credit loss provision to net charge-offs | 132.7198% | 3,032 |
| Earnings coverage of net charge-offs (x) | 0.0911% | 5,635 |
| Efficiency ratio | 95.3872% | 991 |
| Assets per employee ($millions) | 3.2814% | 5,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3498% | 1,510 |
| Loan loss allowance to noncurrent loans | 68.2359% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 5.7473% | 1,050 |
| Noncurrent loans to loans | 3.4437% | 2,306 |
| Net loans and leases to total assets | 73.9376% | 1,923 |
| Net loans and leases to deposits | 85.0186% | 2,701 |
| Net loans and leases to core deposits | 123.8721% | 572 |
| Total domestic deposits to total assets | 86.9664% | 2,546 |
| Equity capital to assets | 7.3690% | 7,186 |
| Core capital (leverage) ratio | 6.7706% | 7,297 |
| Tier 1 risk-based capital ratio | 8.0185% | 7,521 |
| Total risk-based capital ratio | 9.2792% | 7,529 |
| Memoranda: | ||
| Average total assets | $360,087,000 | 1,855 |
| Average earning assets | $322,371,330 | 1,879 |
| Average equity | $28,513,670 | 2,301 |
| Average total loans | $269,394,330 | 1,690 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5214% | 2,490 |
| Cost of funding earning assets | 1.7470% | 2,141 |
| Net interest margin | 3.7744% | 3,901 |
| Noninterest income to average assets | 0.4191% | 4,741 |
| Noninterest expense to average assets | 3.0578% | 3,448 |
| Loan and lease loss provision to assets | 0.8876% | 1,432 |
| Net operating income to assets | -0.1448% | 6,471 |
| Return on assets (ROA) | -0.1448% | 6,550 |
| Pretax return on assets | -0.1437% | 6,500 |
| Return on Equity (ROE) | -1.7698% | 6,615 |
| Retained earnings to average equity (ytd only) | -1.7698% | 6,176 |
| Net charge-offs to loans | 1.0355% | 1,592 |
| Credit loss provision to net charge-offs | 115.2422% | 3,025 |
| Earnings coverage of net charge-offs (x) | 0.9658% | 4,192 |
| Efficiency ratio | 80.2309% | 2,529 |
| Assets per employee ($millions) | 3.2959% | 5,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9590% | 2,286 |
| Loan loss allowance to noncurrent loans | 46.1593% | 5,273 |
| Noncurrent assets plus other real estate owned to assets | 6.4706% | 883 |
| Noncurrent loans to loans | 4.2440% | 1,803 |
| Net loans and leases to total assets | 72.9127% | 2,227 |
| Net loans and leases to deposits | 84.6070% | 2,835 |
| Net loans and leases to core deposits | 112.3033% | 1,140 |
| Total domestic deposits to total assets | 86.1781% | 3,044 |
| Equity capital to assets | 8.3113% | 6,283 |
| Core capital (leverage) ratio | 7.6991% | 6,625 |
| Tier 1 risk-based capital ratio | 9.1916% | 7,432 |
| Total risk-based capital ratio | 10.4478% | 7,434 |
| Memoranda: | ||
| Average total assets | $364,577,000 | 1,879 |
| Average earning assets | $326,729,500 | 1,912 |
| Average equity | $29,834,000 | 2,228 |
| Average total loans | $271,168,000 | 1,733 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8439% | 2,468 |
| Cost of funding earning assets | 2.1072% | 2,423 |
| Net interest margin | 3.7368% | 3,967 |
| Noninterest income to average assets | 0.5744% | 3,825 |
| Noninterest expense to average assets | 3.1278% | 3,626 |
| Loan and lease loss provision to assets | 2.0698% | 1,030 |
| Net operating income to assets | -1.2447% | 6,733 |
| Return on assets (ROA) | -0.9719% | 6,558 |
| Pretax return on assets | -0.9705% | 6,392 |
| Return on Equity (ROE) | -11.1911% | 6,710 |
| Retained earnings to average equity (ytd only) | -11.1911% | 6,613 |
| Net charge-offs to loans | 2.5576% | 896 |
| Credit loss provision to net charge-offs | 104.4540% | 5,295 |
| Earnings coverage of net charge-offs (x) | 0.4171% | 5,687 |
| Efficiency ratio | 78.8972% | 3,058 |
| Assets per employee ($millions) | 3.3627% | 5,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8633% | 2,365 |
| Loan loss allowance to noncurrent loans | 39.6458% | 5,768 |
| Noncurrent assets plus other real estate owned to assets | 6.6383% | 810 |
| Noncurrent loans to loans | 4.6998% | 1,492 |
| Net loans and leases to total assets | 73.0017% | 2,511 |
| Net loans and leases to deposits | 83.8827% | 3,298 |
| Net loans and leases to core deposits | 121.8925% | 1,787 |
| Total domestic deposits to total assets | 87.0283% | 2,491 |
| Equity capital to assets | 8.0587% | 6,517 |
| Core capital (leverage) ratio | 8.0187% | 6,149 |
| Tier 1 risk-based capital ratio | 8.9368% | 7,493 |
| Total risk-based capital ratio | 10.1921% | 7,515 |
| Memoranda: | ||
| Average total assets | $363,711,400 | 1,866 |
| Average earning assets | $328,973,600 | 1,888 |
| Average equity | $31,587,600 | 2,119 |
| Average total loans | $281,789,000 | 1,709 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8698% | 2,582 |
| Cost of funding earning assets | 2.2079% | 2,374 |
| Net interest margin | 3.6618% | 4,229 |
| Noninterest income to average assets | 0.5681% | 3,940 |
| Noninterest expense to average assets | 3.0917% | 3,676 |
| Loan and lease loss provision to assets | 1.8290% | 1,022 |
| Net operating income to assets | -1.0411% | 6,865 |
| Return on assets (ROA) | -0.7462% | 6,655 |
| Pretax return on assets | -0.7448% | 6,515 |
| Return on Equity (ROE) | -8.4371% | 6,767 |
| Retained earnings to average equity (ytd only) | -8.4371% | 6,653 |
| Net charge-offs to loans | 2.2757% | 833 |
| Credit loss provision to net charge-offs | 102.6871% | 4,951 |
| Earnings coverage of net charge-offs (x) | 0.4432% | 5,587 |
| Efficiency ratio | 79.4536% | 2,930 |
| Assets per employee ($millions) | 3.1092% | 5,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7769% | 2,358 |
| Loan loss allowance to noncurrent loans | 32.7952% | 6,243 |
| Noncurrent assets plus other real estate owned to assets | 7.3837% | 621 |
| Noncurrent loans to loans | 5.4182% | 1,158 |
| Net loans and leases to total assets | 78.3546% | 1,510 |
| Net loans and leases to deposits | 91.6303% | 2,301 |
| Net loans and leases to core deposits | 125.4215% | 1,775 |
| Total domestic deposits to total assets | 85.5117% | 2,963 |
| Equity capital to assets | 9.0587% | 5,401 |
| Core capital (leverage) ratio | 8.3917% | 5,675 |
| Tier 1 risk-based capital ratio | 9.4410% | 7,413 |
| Total risk-based capital ratio | 10.6957% | 7,374 |
| Memoranda: | ||
| Average total assets | $362,165,000 | 1,893 |
| Average earning assets | $327,659,250 | 1,911 |
| Average equity | $32,032,250 | 2,105 |
| Average total loans | $283,446,750 | 1,715 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8243% | 2,938 |
| Cost of funding earning assets | 2.2860% | 2,409 |
| Net interest margin | 3.5383% | 4,622 |
| Noninterest income to average assets | 0.5763% | 3,861 |
| Noninterest expense to average assets | 2.9574% | 4,262 |
| Loan and lease loss provision to assets | 2.3396% | 680 |
| Net operating income to assets | -1.5179% | 7,254 |
| Return on assets (ROA) | -1.3915% | 7,204 |
| Pretax return on assets | -1.3898% | 7,029 |
| Return on Equity (ROE) | -15.8536% | 7,372 |
| Retained earnings to average equity (ytd only) | -15.8536% | 7,287 |
| Net charge-offs to loans | 3.3224% | 480 |
| Credit loss provision to net charge-offs | 90.5274% | 4,907 |
| Earnings coverage of net charge-offs (x) | 0.3186% | 5,358 |
| Efficiency ratio | 78.0069% | 3,346 |
| Assets per employee ($millions) | 3.1473% | 5,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5716% | 2,863 |
| Loan loss allowance to noncurrent loans | 33.6812% | 6,214 |
| Noncurrent assets plus other real estate owned to assets | 6.4995% | 704 |
| Noncurrent loans to loans | 4.6660% | 1,363 |
| Net loans and leases to total assets | 76.7293% | 2,007 |
| Net loans and leases to deposits | 89.6665% | 2,879 |
| Net loans and leases to core deposits | 123.0726% | 2,109 |
| Total domestic deposits to total assets | 85.5718% | 2,980 |
| Equity capital to assets | 8.7582% | 5,667 |
| Core capital (leverage) ratio | 8.1123% | 6,142 |
| Tier 1 risk-based capital ratio | 9.2097% | 7,592 |
| Total risk-based capital ratio | 10.4612% | 7,585 |
| Memoranda: | ||
| Average total assets | $366,811,000 | 1,891 |
| Average earning assets | $332,195,670 | 1,904 |
| Average equity | $32,194,670 | 2,106 |
| Average total loans | $285,333,000 | 1,730 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7820% | 3,394 |
| Cost of funding earning assets | 2.3206% | 2,616 |
| Net interest margin | 3.4615% | 4,891 |
| Noninterest income to average assets | 0.5682% | 3,772 |
| Noninterest expense to average assets | 2.9571% | 3,948 |
| Loan and lease loss provision to assets | 0.7197% | 1,782 |
| Net operating income to assets | 0.0584% | 6,101 |
| Return on assets (ROA) | 0.0967% | 6,154 |
| Pretax return on assets | 0.0977% | 6,174 |
| Return on Equity (ROE) | 1.1003% | 6,095 |
| Retained earnings to average equity (ytd only) | 1.1003% | 5,199 |
| Net charge-offs to loans | 0.6317% | 1,916 |
| Credit loss provision to net charge-offs | 146.6083% | 2,831 |
| Earnings coverage of net charge-offs (x) | 1.5864% | 3,935 |
| Efficiency ratio | 78.9534% | 3,012 |
| Assets per employee ($millions) | 3.2557% | 5,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7635% | 1,948 |
| Loan loss allowance to noncurrent loans | 31.6916% | 6,432 |
| Noncurrent assets plus other real estate owned to assets | 5.8091% | 707 |
| Noncurrent loans to loans | 5.5646% | 913 |
| Net loans and leases to total assets | 78.0674% | 1,809 |
| Net loans and leases to deposits | 91.7987% | 2,634 |
| Net loans and leases to core deposits | 128.3475% | 1,758 |
| Total domestic deposits to total assets | 85.0420% | 3,180 |
| Equity capital to assets | 9.2081% | 5,079 |
| Core capital (leverage) ratio | 8.3016% | 5,902 |
| Tier 1 risk-based capital ratio | 9.6980% | 7,259 |
| Total risk-based capital ratio | 10.9525% | 7,165 |
| Memoranda: | ||
| Average total assets | $372,394,000 | 1,875 |
| Average earning assets | $340,780,000 | 1,868 |
| Average equity | $32,718,000 | 2,071 |
| Average total loans | $289,379,000 | 1,715 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8043% | 1,662 |
| Cost of funding earning assets | 3.0270% | 1,775 |
| Net interest margin | 3.7773% | 4,113 |
| Noninterest income to average assets | 0.5737% | 4,059 |
| Noninterest expense to average assets | 2.6401% | 5,488 |
| Loan and lease loss provision to assets | 1.1292% | 1,287 |
| Net operating income to assets | 0.2571% | 5,684 |
| Return on assets (ROA) | 0.2604% | 5,494 |
| Pretax return on assets | 0.2617% | 5,601 |
| Return on Equity (ROE) | 3.0282% | 5,227 |
| Retained earnings to average equity (ytd only) | -0.6031% | 5,473 |
| Net charge-offs to loans | 1.1749% | 1,030 |
| Credit loss provision to net charge-offs | 119.0326% | 4,526 |
| Earnings coverage of net charge-offs (x) | 1.4628% | 5,379 |
| Efficiency ratio | 65.3522% | 5,244 |
| Assets per employee ($millions) | 3.4834% | 4,714 |
| Cash dividends to net income (ytd only)* | 119.9166% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6338% | 2,116 |
| Loan loss allowance to noncurrent loans | 39.2039% | 6,104 |
| Noncurrent assets plus other real estate owned to assets | 4.2699% | 919 |
| Noncurrent loans to loans | 4.1675% | 1,167 |
| Net loans and leases to total assets | 74.8336% | 2,916 |
| Net loans and leases to deposits | 89.3409% | 3,565 |
| Net loans and leases to core deposits | 129.4369% | 1,893 |
| Total domestic deposits to total assets | 83.7619% | 3,452 |
| Equity capital to assets | 8.3947% | 6,266 |
| Core capital (leverage) ratio | 8.2158% | 6,136 |
| Tier 1 risk-based capital ratio | 9.3630% | 7,445 |
| Total risk-based capital ratio | 10.6160% | 7,374 |
| Memoranda: | ||
| Average total assets | $368,316,400 | 1,826 |
| Average earning assets | $336,800,600 | 1,826 |
| Average equity | $31,669,400 | 2,138 |
| Average total loans | $297,395,800 | 1,621 |