Home > Farm Bureau Bank FSB > Performance and Condition Ratios
Farm Bureau Bank FSB, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9042% | 376 |
| Cost of funding earning assets | 3.1779% | 217 |
| Net interest margin | 3.7263% | 1,829 |
| Noninterest income to average assets | 0.4000% | 2,235 |
| Noninterest expense to average assets | 3.6444% | 507 |
| Loan and lease loss provision to assets | -0.1000% | 4,337 |
| Net operating income to assets | 0.3367% | 3,816 |
| Return on assets (ROA) | 0.3367% | 3,840 |
| Pretax return on assets | 0.4554% | 3,777 |
| Return on Equity (ROE) | 3.8600% | 3,741 |
| Retained earnings to average equity (ytd only) | 3.8645% | 2,887 |
| Net charge-offs to loans | 1.0921% | 139 |
| Credit loss provision to net charge-offs | -12.9764% | 4,343 |
| Earnings coverage of net charge-offs (x) | 0.4651% | 2,210 |
| Efficiency ratio | 91.1063% | 473 |
| Assets per employee ($millions) | 5.6144% | 3,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6477% | 733 |
| Loan loss allowance to noncurrent loans | 368.0726% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.3204% | 2,016 |
| Noncurrent loans to loans | 0.4477% | 2,007 |
| Net loans and leases to total assets | 70.4000% | 1,795 |
| Net loans and leases to deposits | 81.5183% | 1,924 |
| Net loans and leases to core deposits | 98.0040% | 1,506 |
| Total domestic deposits to total assets | 86.3600% | 2,171 |
| Equity capital to assets | 9.1347% | 2,845 |
| Core capital (leverage) ratio | 9.3958% | 3,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6320% | 1,996 |
| Memoranda: | ||
| Average total assets | $1,152,465,500 | 909 |
| Average earning assets | $1,113,927,500 | 871 |
| Average equity | $100,400,000 | 1,037 |
| Average total loans | $807,288,500 | 902 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2425% | 301 |
| Cost of funding earning assets | 3.3509% | 251 |
| Net interest margin | 3.8916% | 1,366 |
| Noninterest income to average assets | 0.5400% | 1,745 |
| Noninterest expense to average assets | 3.5463% | 563 |
| Loan and lease loss provision to assets | 0.7200% | 120 |
| Net operating income to assets | 0.0392% | 4,132 |
| Return on assets (ROA) | 0.0433% | 4,158 |
| Pretax return on assets | 0.0469% | 4,151 |
| Return on Equity (ROE) | 0.5200% | 4,143 |
| Retained earnings to average equity (ytd only) | 0.0180% | 3,897 |
| Net charge-offs to loans | 1.1451% | 127 |
| Credit loss provision to net charge-offs | 89.9279% | 2,035 |
| Earnings coverage of net charge-offs (x) | 0.9530% | 2,951 |
| Efficiency ratio | 82.3031% | 903 |
| Assets per employee ($millions) | 6.0906% | 2,808 |
| Cash dividends to net income (ytd only)* | 96.5251% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9227% | 431 |
| Loan loss allowance to noncurrent loans | 372.5803% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.3541% | 1,863 |
| Noncurrent loans to loans | 0.5160% | 1,783 |
| Net loans and leases to total assets | 67.2900% | 2,224 |
| Net loans and leases to deposits | 76.9381% | 2,368 |
| Net loans and leases to core deposits | 93.0731% | 1,907 |
| Total domestic deposits to total assets | 87.4600% | 1,720 |
| Equity capital to assets | 8.3139% | 3,331 |
| Core capital (leverage) ratio | 9.0614% | 3,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4282% | 2,071 |
| Memoranda: | ||
| Average total assets | $1,196,161,200 | 877 |
| Average earning assets | $1,158,378,400 | 838 |
| Average equity | $99,796,800 | 1,023 |
| Average total loans | $835,825,600 | 875 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2638% | 297 |
| Cost of funding earning assets | 3.3195% | 289 |
| Net interest margin | 3.9443% | 1,232 |
| Noninterest income to average assets | 0.5500% | 1,685 |
| Noninterest expense to average assets | 3.5040% | 573 |
| Loan and lease loss provision to assets | 0.7200% | 105 |
| Net operating income to assets | 0.1179% | 4,097 |
| Return on assets (ROA) | 0.1238% | 4,117 |
| Pretax return on assets | 0.1556% | 4,095 |
| Return on Equity (ROE) | 1.4800% | 4,086 |
| Retained earnings to average equity (ytd only) | 1.4831% | 3,601 |
| Net charge-offs to loans | 1.1430% | 122 |
| Credit loss provision to net charge-offs | 89.2094% | 1,789 |
| Earnings coverage of net charge-offs (x) | 1.0809% | 2,697 |
| Efficiency ratio | 80.1629% | 1,066 |
| Assets per employee ($millions) | 6.1848% | 2,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9780% | 405 |
| Loan loss allowance to noncurrent loans | 394.0592% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.3336% | 1,884 |
| Noncurrent loans to loans | 0.5019% | 1,822 |
| Net loans and leases to total assets | 65.1400% | 2,406 |
| Net loans and leases to deposits | 74.5472% | 2,640 |
| Net loans and leases to core deposits | 90.5192% | 2,107 |
| Total domestic deposits to total assets | 87.3800% | 1,462 |
| Equity capital to assets | 8.5490% | 3,365 |
| Core capital (leverage) ratio | 9.1078% | 3,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7863% | 1,986 |
| Memoranda: | ||
| Average total assets | $1,198,282,750 | 865 |
| Average earning assets | $1,160,555,500 | 831 |
| Average equity | $100,060,500 | 1,012 |
| Average total loans | $841,068,000 | 860 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2486% | 288 |
| Cost of funding earning assets | 3.2664% | 285 |
| Net interest margin | 3.9821% | 1,134 |
| Noninterest income to average assets | 0.5800% | 1,524 |
| Noninterest expense to average assets | 3.5450% | 534 |
| Loan and lease loss provision to assets | 0.5300% | 154 |
| Net operating income to assets | 0.2952% | 3,848 |
| Return on assets (ROA) | 0.3019% | 3,872 |
| Pretax return on assets | 0.3727% | 3,847 |
| Return on Equity (ROE) | 3.6400% | 3,791 |
| Retained earnings to average equity (ytd only) | 3.6448% | 2,839 |
| Net charge-offs to loans | 1.1296% | 118 |
| Credit loss provision to net charge-offs | 65.4301% | 1,745 |
| Earnings coverage of net charge-offs (x) | 1.1082% | 2,493 |
| Efficiency ratio | 79.8538% | 1,138 |
| Assets per employee ($millions) | 6.1090% | 2,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8290% | 531 |
| Loan loss allowance to noncurrent loans | 455.0791% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.2718% | 2,076 |
| Noncurrent loans to loans | 0.4019% | 1,986 |
| Net loans and leases to total assets | 66.4000% | 2,297 |
| Net loans and leases to deposits | 75.9482% | 2,549 |
| Net loans and leases to core deposits | 92.9713% | 1,932 |
| Total domestic deposits to total assets | 87.4200% | 1,508 |
| Equity capital to assets | 8.2882% | 3,238 |
| Core capital (leverage) ratio | 9.0959% | 3,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5724% | 2,042 |
| Memoranda: | ||
| Average total assets | $1,195,695,667 | 871 |
| Average earning assets | $1,158,019,667 | 837 |
| Average equity | $99,045,667 | 1,011 |
| Average total loans | $854,262,333 | 858 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2574% | 260 |
| Cost of funding earning assets | 3.1688% | 313 |
| Net interest margin | 4.0885% | 980 |
| Noninterest income to average assets | 0.5300% | 1,631 |
| Noninterest expense to average assets | 3.5499% | 525 |
| Loan and lease loss provision to assets | 0.8200% | 101 |
| Net operating income to assets | 0.1215% | 4,084 |
| Return on assets (ROA) | 0.1312% | 4,114 |
| Pretax return on assets | 0.1332% | 4,126 |
| Return on Equity (ROE) | 1.5800% | 4,064 |
| Retained earnings to average equity (ytd only) | 1.5847% | 3,349 |
| Net charge-offs to loans | 1.2981% | 74 |
| Credit loss provision to net charge-offs | 85.4822% | 1,263 |
| Earnings coverage of net charge-offs (x) | 0.9866% | 2,084 |
| Efficiency ratio | 79.0677% | 1,270 |
| Assets per employee ($millions) | 6.3340% | 2,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8764% | 484 |
| Loan loss allowance to noncurrent loans | 412.5127% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.3233% | 1,809 |
| Noncurrent loans to loans | 0.4549% | 1,795 |
| Net loans and leases to total assets | 69.7500% | 1,837 |
| Net loans and leases to deposits | 79.5636% | 2,098 |
| Net loans and leases to core deposits | 95.9309% | 1,650 |
| Total domestic deposits to total assets | 87.6600% | 1,543 |
| Equity capital to assets | 8.0449% | 3,342 |
| Core capital (leverage) ratio | 9.1423% | 3,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8050% | 2,314 |
| Memoranda: | ||
| Average total assets | $1,188,752,500 | 883 |
| Average earning assets | $1,151,215,000 | 848 |
| Average equity | $98,442,000 | 1,012 |
| Average total loans | $872,353,000 | 836 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9824% | 224 |
| Cost of funding earning assets | 2.5660% | 321 |
| Net interest margin | 4.4164% | 693 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 3.5911% | 517 |
| Loan and lease loss provision to assets | 0.7500% | 104 |
| Net operating income to assets | 0.3265% | 3,991 |
| Return on assets (ROA) | 0.3381% | 3,972 |
| Pretax return on assets | 0.4588% | 3,881 |
| Return on Equity (ROE) | 3.9400% | 3,895 |
| Retained earnings to average equity (ytd only) | 3.9408% | 2,979 |
| Net charge-offs to loans | 0.5924% | 167 |
| Credit loss provision to net charge-offs | 166.8940% | 1,368 |
| Earnings coverage of net charge-offs (x) | 2.6610% | 2,683 |
| Efficiency ratio | 74.9477% | 1,355 |
| Assets per employee ($millions) | 6.2440% | 2,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8893% | 456 |
| Loan loss allowance to noncurrent loans | 404.3521% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.3541% | 1,544 |
| Noncurrent loans to loans | 0.4672% | 1,614 |
| Net loans and leases to total assets | 74.3600% | 1,305 |
| Net loans and leases to deposits | 85.5148% | 1,650 |
| Net loans and leases to core deposits | 102.2024% | 1,323 |
| Total domestic deposits to total assets | 86.9600% | 1,695 |
| Equity capital to assets | 8.5285% | 3,029 |
| Core capital (leverage) ratio | 9.3791% | 3,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6238% | 2,373 |
| Memoranda: | ||
| Average total assets | $1,137,643,600 | 890 |
| Average earning assets | $1,099,935,000 | 847 |
| Average equity | $97,594,600 | 962 |
| Average total loans | $866,255,200 | 815 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8452% | 222 |
| Cost of funding earning assets | 2.4076% | 333 |
| Net interest margin | 4.4376% | 675 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 3.5723% | 509 |
| Loan and lease loss provision to assets | 0.5400% | 142 |
| Net operating income to assets | 0.5345% | 3,696 |
| Return on assets (ROA) | 0.5481% | 3,656 |
| Pretax return on assets | 0.7108% | 3,531 |
| Return on Equity (ROE) | 6.3800% | 3,573 |
| Retained earnings to average equity (ytd only) | 6.3791% | 2,508 |
| Net charge-offs to loans | 0.5805% | 152 |
| Credit loss provision to net charge-offs | 122.2577% | 1,470 |
| Earnings coverage of net charge-offs (x) | 2.7979% | 2,461 |
| Efficiency ratio | 74.2622% | 1,342 |
| Assets per employee ($millions) | 6.1714% | 2,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5784% | 924 |
| Loan loss allowance to noncurrent loans | 606.7445% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.1973% | 2,279 |
| Noncurrent loans to loans | 0.2601% | 2,304 |
| Net loans and leases to total assets | 74.6300% | 1,278 |
| Net loans and leases to deposits | 85.3883% | 1,623 |
| Net loans and leases to core deposits | 101.9803% | 1,214 |
| Total domestic deposits to total assets | 87.4000% | 1,767 |
| Equity capital to assets | 8.1551% | 2,956 |
| Core capital (leverage) ratio | 9.4719% | 3,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2853% | 2,512 |
| Memoranda: | ||
| Average total assets | $1,131,710,750 | 896 |
| Average earning assets | $1,093,782,750 | 855 |
| Average equity | $97,231,250 | 963 |
| Average total loans | $862,753,500 | 819 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6725% | 220 |
| Cost of funding earning assets | 2.1872% | 345 |
| Net interest margin | 4.4853% | 619 |
| Noninterest income to average assets | 0.5200% | 1,794 |
| Noninterest expense to average assets | 3.5545% | 505 |
| Loan and lease loss provision to assets | 0.6500% | 108 |
| Net operating income to assets | 0.4468% | 3,919 |
| Return on assets (ROA) | 0.4638% | 3,888 |
| Pretax return on assets | 0.6658% | 3,672 |
| Return on Equity (ROE) | 5.3000% | 3,842 |
| Retained earnings to average equity (ytd only) | 5.3044% | 2,861 |
| Net charge-offs to loans | 0.5478% | 151 |
| Credit loss provision to net charge-offs | 156.2206% | 1,174 |
| Earnings coverage of net charge-offs (x) | 3.1129% | 2,275 |
| Efficiency ratio | 73.1843% | 1,442 |
| Assets per employee ($millions) | 5.8474% | 2,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6450% | 846 |
| Loan loss allowance to noncurrent loans | 604.2048% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.2075% | 2,156 |
| Noncurrent loans to loans | 0.2723% | 2,179 |
| Net loans and leases to total assets | 74.9500% | 1,170 |
| Net loans and leases to deposits | 85.8922% | 1,510 |
| Net loans and leases to core deposits | 102.7249% | 1,108 |
| Total domestic deposits to total assets | 87.2600% | 1,842 |
| Equity capital to assets | 8.3087% | 3,021 |
| Core capital (leverage) ratio | 9.4971% | 3,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1492% | 2,589 |
| Memoranda: | ||
| Average total assets | $1,118,089,667 | 895 |
| Average earning assets | $1,080,728,667 | 855 |
| Average equity | $97,767,000 | 953 |
| Average total loans | $853,956,333 | 809 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4998% | 181 |
| Cost of funding earning assets | 1.9233% | 345 |
| Net interest margin | 4.5765% | 521 |
| Noninterest income to average assets | 0.5100% | 1,809 |
| Noninterest expense to average assets | 3.6386% | 466 |
| Loan and lease loss provision to assets | 0.6100% | 117 |
| Net operating income to assets | 0.5099% | 3,870 |
| Return on assets (ROA) | 0.5383% | 3,778 |
| Pretax return on assets | 0.7051% | 3,650 |
| Return on Equity (ROE) | 6.0000% | 3,714 |
| Retained earnings to average equity (ytd only) | 5.9989% | 2,764 |
| Net charge-offs to loans | 0.4006% | 199 |
| Credit loss provision to net charge-offs | 199.6433% | 832 |
| Earnings coverage of net charge-offs (x) | 4.2081% | 1,857 |
| Efficiency ratio | 73.8414% | 1,359 |
| Assets per employee ($millions) | 5.6419% | 3,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6518% | 908 |
| Loan loss allowance to noncurrent loans | 575.2459% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.2162% | 2,054 |
| Noncurrent loans to loans | 0.2871% | 2,120 |
| Net loans and leases to total assets | 74.0600% | 1,193 |
| Net loans and leases to deposits | 84.6320% | 1,456 |
| Net loans and leases to core deposits | 100.6001% | 1,064 |
| Total domestic deposits to total assets | 87.5100% | 2,084 |
| Equity capital to assets | 8.6358% | 2,795 |
| Core capital (leverage) ratio | 9.8576% | 2,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4431% | 2,585 |
| Memoranda: | ||
| Average total assets | $1,098,239,500 | 927 |
| Average earning assets | $1,061,072,000 | 887 |
| Average equity | $98,552,000 | 959 |
| Average total loans | $839,819,500 | 835 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5211% | 150 |
| Cost of funding earning assets | 0.9590% | 197 |
| Net interest margin | 4.5620% | 262 |
| Noninterest income to average assets | 0.6500% | 1,457 |
| Noninterest expense to average assets | 4.0969% | 312 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | 0.7334% | 3,526 |
| Return on assets (ROA) | 0.7578% | 3,400 |
| Pretax return on assets | 0.7721% | 3,692 |
| Return on Equity (ROE) | 7.3900% | 3,546 |
| Retained earnings to average equity (ytd only) | 7.3909% | 2,070 |
| Net charge-offs to loans | 0.3013% | 255 |
| Credit loss provision to net charge-offs | 90.0976% | 1,633 |
| Earnings coverage of net charge-offs (x) | 4.0748% | 2,430 |
| Efficiency ratio | 81.0183% | 651 |
| Assets per employee ($millions) | 5.3673% | 3,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6000% | 4,338 |
| Loan loss allowance to noncurrent loans | 207.9783% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 0.2241% | 2,035 |
| Noncurrent loans to loans | 0.2885% | 2,112 |
| Net loans and leases to total assets | 77.2300% | 870 |
| Net loans and leases to deposits | 89.5769% | 1,082 |
| Net loans and leases to core deposits | 110.0682% | 610 |
| Total domestic deposits to total assets | 86.2200% | 2,670 |
| Equity capital to assets | 9.3305% | 2,126 |
| Core capital (leverage) ratio | 10.2418% | 2,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5258% | 2,561 |
| Memoranda: | ||
| Average total assets | $913,147,200 | 1,064 |
| Average earning assets | $882,893,000 | 1,010 |
| Average equity | $93,628,400 | 984 |
| Average total loans | $713,789,400 | 889 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2240% | 160 |
| Cost of funding earning assets | 0.7088% | 255 |
| Net interest margin | 4.5153% | 232 |
| Noninterest income to average assets | 0.6100% | 1,677 |
| Noninterest expense to average assets | 4.0293% | 325 |
| Loan and lease loss provision to assets | 0.3900% | 147 |
| Net operating income to assets | 0.5828% | 3,876 |
| Return on assets (ROA) | 0.6082% | 3,766 |
| Pretax return on assets | 0.5727% | 4,031 |
| Return on Equity (ROE) | 5.7700% | 3,837 |
| Retained earnings to average equity (ytd only) | 5.7734% | 2,828 |
| Net charge-offs to loans | 0.2841% | 232 |
| Credit loss provision to net charge-offs | 177.4503% | 1,040 |
| Earnings coverage of net charge-offs (x) | 4.2351% | 2,181 |
| Efficiency ratio | 81.0483% | 711 |
| Assets per employee ($millions) | 5.2726% | 3,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7938% | 4,105 |
| Loan loss allowance to noncurrent loans | 318.9707% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.1938% | 2,309 |
| Noncurrent loans to loans | 0.2489% | 2,386 |
| Net loans and leases to total assets | 77.2400% | 778 |
| Net loans and leases to deposits | 99.5002% | 384 |
| Net loans and leases to core deposits | 121.9152% | 230 |
| Total domestic deposits to total assets | 77.6300% | 4,287 |
| Equity capital to assets | 9.4603% | 1,907 |
| Core capital (leverage) ratio | 11.0885% | 1,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8082% | 2,549 |
| Memoranda: | ||
| Average total assets | $874,410,500 | 1,112 |
| Average earning assets | $845,380,000 | 1,067 |
| Average equity | $92,120,750 | 1,024 |
| Average total loans | $684,765,250 | 920 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0462% | 163 |
| Cost of funding earning assets | 0.5604% | 369 |
| Net interest margin | 4.4858% | 198 |
| Noninterest income to average assets | 0.6098% | 1,694 |
| Noninterest expense to average assets | 4.1483% | 256 |
| Loan and lease loss provision to assets | 0.3409% | 180 |
| Net operating income to assets | 0.5322% | 3,817 |
| Return on assets (ROA) | 0.5603% | 3,685 |
| Pretax return on assets | 0.4917% | 4,013 |
| Return on Equity (ROE) | 5.1032% | 3,792 |
| Retained earnings to average equity (ytd only) | 5.1032% | 2,668 |
| Net charge-offs to loans | 0.3098% | 225 |
| Credit loss provision to net charge-offs | 140.1795% | 1,121 |
| Earnings coverage of net charge-offs (x) | 3.3081% | 2,003 |
| Efficiency ratio | 83.7576% | 692 |
| Assets per employee ($millions) | 4.4259% | 4,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8194% | 4,142 |
| Loan loss allowance to noncurrent loans | 308.7748% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.2089% | 2,272 |
| Noncurrent loans to loans | 0.2654% | 2,417 |
| Net loans and leases to total assets | 78.0727% | 546 |
| Net loans and leases to deposits | 100.4287% | 258 |
| Net loans and leases to core deposits | 115.7595% | 249 |
| Total domestic deposits to total assets | 77.7394% | 4,367 |
| Equity capital to assets | 10.2538% | 1,562 |
| Core capital (leverage) ratio | 11.1790% | 1,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3606% | 2,353 |
| Memoranda: | ||
| Average total assets | $824,916,667 | 1,165 |
| Average earning assets | $798,653,667 | 1,127 |
| Average equity | $90,571,333 | 1,041 |
| Average total loans | $647,549,667 | 961 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9395% | 166 |
| Cost of funding earning assets | 0.5930% | 276 |
| Net interest margin | 4.3464% | 217 |
| Noninterest income to average assets | 0.7327% | 1,213 |
| Noninterest expense to average assets | 4.1700% | 247 |
| Loan and lease loss provision to assets | 0.2653% | 239 |
| Net operating income to assets | 0.5739% | 3,482 |
| Return on assets (ROA) | 0.6082% | 3,349 |
| Pretax return on assets | 0.5450% | 3,769 |
| Return on Equity (ROE) | 5.3489% | 3,526 |
| Retained earnings to average equity (ytd only) | 5.3489% | 2,460 |
| Net charge-offs to loans | 0.3086% | 210 |
| Credit loss provision to net charge-offs | 109.6708% | 967 |
| Earnings coverage of net charge-offs (x) | 3.2078% | 1,677 |
| Efficiency ratio | 84.3112% | 824 |
| Assets per employee ($millions) | 4.2964% | 4,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8100% | 4,226 |
| Loan loss allowance to noncurrent loans | 240.6523% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 0.2695% | 2,062 |
| Noncurrent loans to loans | 0.3366% | 2,279 |
| Net loans and leases to total assets | 79.4273% | 265 |
| Net loans and leases to deposits | 93.7232% | 375 |
| Net loans and leases to core deposits | 107.0062% | 329 |
| Total domestic deposits to total assets | 84.7467% | 3,600 |
| Equity capital to assets | 11.1832% | 1,247 |
| Core capital (leverage) ratio | 11.4908% | 1,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0769% | 2,174 |
| Memoranda: | ||
| Average total assets | $803,640,000 | 1,190 |
| Average earning assets | $779,028,500 | 1,155 |
| Average equity | $91,382,500 | 1,075 |
| Average total loans | $629,898,500 | 978 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1655% | 201 |
| Cost of funding earning assets | 0.7560% | 255 |
| Net interest margin | 4.4095% | 322 |
| Noninterest income to average assets | 1.0813% | 881 |
| Noninterest expense to average assets | 4.0615% | 275 |
| Loan and lease loss provision to assets | -0.3419% | 4,790 |
| Net operating income to assets | 1.2344% | 1,795 |
| Return on assets (ROA) | 1.2422% | 1,824 |
| Pretax return on assets | 1.6613% | 1,236 |
| Return on Equity (ROE) | 10.6992% | 2,277 |
| Retained earnings to average equity (ytd only) | 7.3620% | 1,776 |
| Net charge-offs to loans | 0.4751% | 174 |
| Credit loss provision to net charge-offs | -93.1362% | 3,350 |
| Earnings coverage of net charge-offs (x) | 3.5744% | 2,538 |
| Efficiency ratio | 75.5895% | 1,144 |
| Assets per employee ($millions) | 4.3691% | 4,218 |
| Cash dividends to net income (ytd only)* | 31.1915% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8470% | 4,184 |
| Loan loss allowance to noncurrent loans | 229.3286% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.2832% | 2,125 |
| Noncurrent loans to loans | 0.3693% | 2,259 |
| Net loans and leases to total assets | 76.0187% | 522 |
| Net loans and leases to deposits | 90.2846% | 556 |
| Net loans and leases to core deposits | 103.7204% | 416 |
| Total domestic deposits to total assets | 84.1990% | 3,507 |
| Equity capital to assets | 11.5609% | 1,474 |
| Core capital (leverage) ratio | 11.5992% | 1,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8640% | 1,902 |
| Memoranda: | ||
| Average total assets | $774,252,400 | 1,189 |
| Average earning assets | $753,575,000 | 1,146 |
| Average equity | $89,894,600 | 1,102 |
| Average total loans | $598,022,400 | 1,018 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1896% | 225 |
| Cost of funding earning assets | 0.7894% | 254 |
| Net interest margin | 4.4002% | 375 |
| Noninterest income to average assets | 1.1154% | 913 |
| Noninterest expense to average assets | 3.9537% | 293 |
| Loan and lease loss provision to assets | -0.4424% | 4,869 |
| Net operating income to assets | 1.4100% | 1,507 |
| Return on assets (ROA) | 1.4100% | 1,568 |
| Pretax return on assets | 1.8887% | 971 |
| Return on Equity (ROE) | 12.1306% | 2,001 |
| Retained earnings to average equity (ytd only) | 9.1431% | 1,640 |
| Net charge-offs to loans | 0.5524% | 140 |
| Credit loss provision to net charge-offs | -103.4931% | 3,233 |
| Earnings coverage of net charge-offs (x) | 3.3834% | 2,314 |
| Efficiency ratio | 73.2172% | 1,283 |
| Assets per employee ($millions) | 4.5971% | 4,049 |
| Cash dividends to net income (ytd only)* | 24.6275% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9198% | 4,104 |
| Loan loss allowance to noncurrent loans | 298.3684% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.2460% | 2,550 |
| Noncurrent loans to loans | 0.3083% | 2,690 |
| Net loans and leases to total assets | 79.0668% | 345 |
| Net loans and leases to deposits | 93.9452% | 418 |
| Net loans and leases to core deposits | 109.0477% | 345 |
| Total domestic deposits to total assets | 84.1626% | 3,418 |
| Equity capital to assets | 11.9436% | 1,427 |
| Core capital (leverage) ratio | 11.7866% | 1,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2267% | 1,886 |
| Memoranda: | ||
| Average total assets | $767,928,250 | 1,210 |
| Average earning assets | $747,763,250 | 1,165 |
| Average equity | $89,259,500 | 1,121 |
| Average total loans | $594,278,250 | 1,038 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1480% | 272 |
| Cost of funding earning assets | 0.8265% | 256 |
| Net interest margin | 4.3215% | 474 |
| Noninterest income to average assets | 0.8705% | 1,355 |
| Noninterest expense to average assets | 3.8538% | 323 |
| Loan and lease loss provision to assets | -0.6278% | 4,929 |
| Net operating income to assets | 1.3838% | 1,612 |
| Return on assets (ROA) | 1.3838% | 1,687 |
| Pretax return on assets | 1.8534% | 1,114 |
| Return on Equity (ROE) | 12.0160% | 2,056 |
| Retained earnings to average equity (ytd only) | 9.7501% | 1,481 |
| Net charge-offs to loans | 0.6048% | 127 |
| Credit loss provision to net charge-offs | -135.5493% | 3,115 |
| Earnings coverage of net charge-offs (x) | 2.6462% | 2,114 |
| Efficiency ratio | 75.8707% | 1,091 |
| Assets per employee ($millions) | 4.5224% | 4,088 |
| Cash dividends to net income (ytd only)* | 18.8573% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0602% | 3,584 |
| Loan loss allowance to noncurrent loans | 282.7676% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.2989% | 2,431 |
| Noncurrent loans to loans | 0.3749% | 2,558 |
| Net loans and leases to total assets | 78.8782% | 386 |
| Net loans and leases to deposits | 93.6423% | 477 |
| Net loans and leases to core deposits | 108.0069% | 416 |
| Total domestic deposits to total assets | 84.2336% | 3,357 |
| Equity capital to assets | 11.7663% | 1,476 |
| Core capital (leverage) ratio | 11.7644% | 1,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5717% | 1,780 |
| Memoranda: | ||
| Average total assets | $766,466,667 | 1,205 |
| Average earning assets | $746,504,667 | 1,158 |
| Average equity | $88,265,333 | 1,126 |
| Average total loans | $586,933,667 | 1,049 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0364% | 333 |
| Cost of funding earning assets | 0.8773% | 250 |
| Net interest margin | 4.1592% | 651 |
| Noninterest income to average assets | 0.5556% | 2,387 |
| Noninterest expense to average assets | 3.7951% | 334 |
| Loan and lease loss provision to assets | -0.5985% | 4,935 |
| Net operating income to assets | 1.0568% | 2,613 |
| Return on assets (ROA) | 1.0568% | 2,692 |
| Pretax return on assets | 1.4154% | 2,240 |
| Return on Equity (ROE) | 9.2786% | 2,931 |
| Retained earnings to average equity (ytd only) | 9.2786% | 1,866 |
| Net charge-offs to loans | 0.7847% | 99 |
| Credit loss provision to net charge-offs | -101.6874% | 2,837 |
| Earnings coverage of net charge-offs (x) | 1.3881% | 1,852 |
| Efficiency ratio | 82.2869% | 688 |
| Assets per employee ($millions) | 4.5845% | 4,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4120% | 1,903 |
| Loan loss allowance to noncurrent loans | 274.7712% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.3973% | 2,215 |
| Noncurrent loans to loans | 0.5139% | 2,314 |
| Net loans and leases to total assets | 76.2241% | 612 |
| Net loans and leases to deposits | 90.0799% | 694 |
| Net loans and leases to core deposits | 134.1060% | 119 |
| Total domestic deposits to total assets | 84.6183% | 3,248 |
| Equity capital to assets | 11.4489% | 1,573 |
| Core capital (leverage) ratio | 11.4999% | 1,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1780% | 1,513 |
| Memoranda: | ||
| Average total assets | $765,298,000 | 1,193 |
| Average earning assets | $746,400,500 | 1,147 |
| Average equity | $87,168,000 | 1,127 |
| Average total loans | $573,942,000 | 1,074 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5410% | 177 |
| Cost of funding earning assets | 1.2670% | 207 |
| Net interest margin | 4.2740% | 536 |
| Noninterest income to average assets | 1.4462% | 572 |
| Noninterest expense to average assets | 3.9247% | 407 |
| Loan and lease loss provision to assets | 0.9008% | 128 |
| Net operating income to assets | 0.5887% | 3,791 |
| Return on assets (ROA) | 0.5887% | 3,893 |
| Pretax return on assets | 0.7887% | 3,653 |
| Return on Equity (ROE) | 5.4908% | 3,748 |
| Retained earnings to average equity (ytd only) | 4.2875% | 2,658 |
| Net charge-offs to loans | 0.6512% | 231 |
| Credit loss provision to net charge-offs | 168.4439% | 2,324 |
| Earnings coverage of net charge-offs (x) | 3.1592% | 3,109 |
| Efficiency ratio | 69.9069% | 1,959 |
| Assets per employee ($millions) | 4.9376% | 3,456 |
| Cash dividends to net income (ytd only)* | 21.9154% | 3,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9332% | 670 |
| Loan loss allowance to noncurrent loans | 316.7903% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.4433% | 2,253 |
| Noncurrent loans to loans | 0.6102% | 2,172 |
| Net loans and leases to total assets | 71.2417% | 1,397 |
| Net loans and leases to deposits | 84.2271% | 1,432 |
| Net loans and leases to core deposits | 131.2173% | 188 |
| Total domestic deposits to total assets | 84.5829% | 2,920 |
| Equity capital to assets | 11.3305% | 2,001 |
| Core capital (leverage) ratio | 11.2571% | 1,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7939% | 1,313 |
| Memoranda: | ||
| Average total assets | $775,087,400 | 1,085 |
| Average earning assets | $755,875,600 | 1,039 |
| Average equity | $83,102,400 | 1,118 |
| Average total loans | $636,493,000 | 930 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5776% | 198 |
| Cost of funding earning assets | 1.3457% | 195 |
| Net interest margin | 4.2319% | 686 |
| Noninterest income to average assets | 1.0040% | 1,019 |
| Noninterest expense to average assets | 3.6548% | 577 |
| Loan and lease loss provision to assets | 1.4659% | 63 |
| Net operating income to assets | 0.0087% | 4,765 |
| Return on assets (ROA) | 0.0087% | 4,786 |
| Pretax return on assets | 0.0120% | 4,779 |
| Return on Equity (ROE) | 0.0826% | 4,785 |
| Retained earnings to average equity (ytd only) | 0.0826% | 4,463 |
| Net charge-offs to loans | 0.7083% | 197 |
| Credit loss provision to net charge-offs | 245.1188% | 1,940 |
| Earnings coverage of net charge-offs (x) | 2.4712% | 2,987 |
| Efficiency ratio | 71.2065% | 1,726 |
| Assets per employee ($millions) | 5.0564% | 3,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9714% | 520 |
| Loan loss allowance to noncurrent loans | 476.5965% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.3548% | 2,727 |
| Noncurrent loans to loans | 0.4136% | 2,815 |
| Net loans and leases to total assets | 84.0843% | 268 |
| Net loans and leases to deposits | 97.7128% | 642 |
| Net loans and leases to core deposits | 161.1128% | 79 |
| Total domestic deposits to total assets | 86.0524% | 2,044 |
| Equity capital to assets | 10.8245% | 2,534 |
| Core capital (leverage) ratio | 10.6839% | 2,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1449% | 2,132 |
| Memoranda: | ||
| Average total assets | $778,760,000 | 1,065 |
| Average earning assets | $759,759,750 | 1,018 |
| Average equity | $82,338,750 | 1,121 |
| Average total loans | $657,516,500 | 908 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5063% | 335 |
| Cost of funding earning assets | 1.4376% | 197 |
| Net interest margin | 4.0688% | 1,178 |
| Noninterest income to average assets | 0.7428% | 1,603 |
| Noninterest expense to average assets | 3.6096% | 643 |
| Loan and lease loss provision to assets | 1.3875% | 102 |
| Net operating income to assets | -0.2115% | 4,865 |
| Return on assets (ROA) | -0.2115% | 4,863 |
| Pretax return on assets | -0.2832% | 4,862 |
| Return on Equity (ROE) | -2.0161% | 4,872 |
| Retained earnings to average equity (ytd only) | -2.0161% | 4,588 |
| Net charge-offs to loans | 0.7998% | 194 |
| Credit loss provision to net charge-offs | 206.5325% | 1,884 |
| Earnings coverage of net charge-offs (x) | 1.6438% | 2,836 |
| Efficiency ratio | 76.5737% | 1,213 |
| Assets per employee ($millions) | 5.1066% | 3,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6206% | 961 |
| Loan loss allowance to noncurrent loans | 282.7888% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.4819% | 2,392 |
| Noncurrent loans to loans | 0.5731% | 2,441 |
| Net loans and leases to total assets | 82.7223% | 350 |
| Net loans and leases to deposits | 95.3716% | 846 |
| Net loans and leases to core deposits | 161.0433% | 79 |
| Total domestic deposits to total assets | 86.7368% | 1,719 |
| Equity capital to assets | 10.4649% | 2,775 |
| Core capital (leverage) ratio | 10.4139% | 2,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7933% | 2,277 |
| Memoranda: | ||
| Average total assets | $783,843,667 | 1,046 |
| Average earning assets | $765,050,000 | 1,004 |
| Average equity | $82,236,333 | 1,110 |
| Average total loans | $658,388,000 | 900 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9395% | 173 |
| Cost of funding earning assets | 1.5827% | 203 |
| Net interest margin | 4.3568% | 687 |
| Noninterest income to average assets | 0.4117% | 3,020 |
| Noninterest expense to average assets | 3.6668% | 731 |
| Loan and lease loss provision to assets | 1.1657% | 164 |
| Net operating income to assets | -0.1238% | 4,811 |
| Return on assets (ROA) | -0.1238% | 4,797 |
| Pretax return on assets | -0.1656% | 4,797 |
| Return on Equity (ROE) | -1.1786% | 4,810 |
| Retained earnings to average equity (ytd only) | -1.1786% | 4,167 |
| Net charge-offs to loans | 0.7914% | 191 |
| Credit loss provision to net charge-offs | 175.4601% | 1,486 |
| Earnings coverage of net charge-offs (x) | 1.5054% | 2,383 |
| Efficiency ratio | 78.5699% | 1,277 |
| Assets per employee ($millions) | 5.0323% | 2,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3637% | 1,846 |
| Loan loss allowance to noncurrent loans | 198.7838% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.5656% | 2,300 |
| Noncurrent loans to loans | 0.6860% | 2,282 |
| Net loans and leases to total assets | 81.3171% | 528 |
| Net loans and leases to deposits | 93.4282% | 1,132 |
| Net loans and leases to core deposits | 176.7004% | 57 |
| Total domestic deposits to total assets | 87.0369% | 1,538 |
| Equity capital to assets | 10.4901% | 3,329 |
| Core capital (leverage) ratio | 10.2776% | 3,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5515% | 2,459 |
| Memoranda: | ||
| Average total assets | $785,109,000 | 1,020 |
| Average earning assets | $766,802,000 | 976 |
| Average equity | $82,472,500 | 1,108 |
| Average total loans | $659,098,500 | 873 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0747% | 204 |
| Cost of funding earning assets | 1.6525% | 240 |
| Net interest margin | 4.4222% | 856 |
| Noninterest income to average assets | 0.5985% | 2,226 |
| Noninterest expense to average assets | 3.6740% | 786 |
| Loan and lease loss provision to assets | 0.7114% | 159 |
| Net operating income to assets | 0.3936% | 4,601 |
| Return on assets (ROA) | 0.3936% | 4,638 |
| Pretax return on assets | 0.5281% | 4,524 |
| Return on Equity (ROE) | 3.7677% | 4,520 |
| Retained earnings to average equity (ytd only) | 1.9435% | 4,020 |
| Net charge-offs to loans | 0.9386% | 172 |
| Credit loss provision to net charge-offs | 85.7690% | 2,713 |
| Earnings coverage of net charge-offs (x) | 1.4945% | 3,532 |
| Efficiency ratio | 74.7737% | 1,515 |
| Assets per employee ($millions) | 5.2345% | 2,307 |
| Cash dividends to net income (ytd only)* | 48.4183% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1687% | 2,594 |
| Loan loss allowance to noncurrent loans | 184.9965% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.5399% | 2,277 |
| Noncurrent loans to loans | 0.6317% | 2,304 |
| Net loans and leases to total assets | 84.4595% | 282 |
| Net loans and leases to deposits | 97.2060% | 825 |
| Net loans and leases to core deposits | 188.9264% | 49 |
| Total domestic deposits to total assets | 86.8871% | 1,669 |
| Equity capital to assets | 10.5191% | 3,427 |
| Core capital (leverage) ratio | 10.4530% | 3,002 |
| Tier 1 risk-based capital ratio | 11.9077% | 4,413 |
| Total risk-based capital ratio | 13.0423% | 4,354 |
| Memoranda: | ||
| Average total assets | $787,092,200 | 987 |
| Average earning assets | $768,009,400 | 941 |
| Average equity | $82,224,800 | 1,068 |
| Average total loans | $695,509,000 | 813 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0377% | 223 |
| Cost of funding earning assets | 1.6494% | 245 |
| Net interest margin | 4.3882% | 973 |
| Noninterest income to average assets | 0.5253% | 2,578 |
| Noninterest expense to average assets | 3.6848% | 764 |
| Loan and lease loss provision to assets | 0.4571% | 273 |
| Net operating income to assets | 0.4948% | 4,527 |
| Return on assets (ROA) | 0.4948% | 4,577 |
| Pretax return on assets | 0.6640% | 4,422 |
| Return on Equity (ROE) | 4.7451% | 4,403 |
| Retained earnings to average equity (ytd only) | 3.4464% | 3,688 |
| Net charge-offs to loans | 0.8834% | 170 |
| Credit loss provision to net charge-offs | 58.0770% | 2,723 |
| Earnings coverage of net charge-offs (x) | 1.4244% | 3,291 |
| Efficiency ratio | 76.6732% | 1,246 |
| Assets per employee ($millions) | 5.3237% | 2,189 |
| Cash dividends to net income (ytd only)* | 27.3691% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9498% | 3,830 |
| Loan loss allowance to noncurrent loans | 160.2537% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.5331% | 2,407 |
| Noncurrent loans to loans | 0.5927% | 2,508 |
| Net loans and leases to total assets | 89.0866% | 62 |
| Net loans and leases to deposits | 102.1061% | 503 |
| Net loans and leases to core deposits | 214.7977% | 40 |
| Total domestic deposits to total assets | 87.2491% | 1,408 |
| Equity capital to assets | 10.4086% | 3,627 |
| Core capital (leverage) ratio | 10.3444% | 3,266 |
| Tier 1 risk-based capital ratio | 11.2500% | 4,796 |
| Total risk-based capital ratio | 12.1754% | 4,827 |
| Memoranda: | ||
| Average total assets | $787,570,000 | 986 |
| Average earning assets | $768,245,500 | 946 |
| Average equity | $82,132,500 | 1,056 |
| Average total loans | $701,635,750 | 813 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9499% | 259 |
| Cost of funding earning assets | 1.6158% | 257 |
| Net interest margin | 4.3341% | 1,075 |
| Noninterest income to average assets | 0.5394% | 2,447 |
| Noninterest expense to average assets | 3.5963% | 850 |
| Loan and lease loss provision to assets | 0.4327% | 281 |
| Net operating income to assets | 0.5490% | 4,422 |
| Return on assets (ROA) | 0.5490% | 4,460 |
| Pretax return on assets | 0.7368% | 4,244 |
| Return on Equity (ROE) | 5.2614% | 4,273 |
| Retained earnings to average equity (ytd only) | 4.0389% | 3,225 |
| Net charge-offs to loans | 0.9260% | 155 |
| Credit loss provision to net charge-offs | 52.6218% | 2,454 |
| Earnings coverage of net charge-offs (x) | 1.4223% | 3,021 |
| Efficiency ratio | 75.4604% | 1,465 |
| Assets per employee ($millions) | 5.3123% | 2,137 |
| Cash dividends to net income (ytd only)* | 23.2342% | 2,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0453% | 3,365 |
| Loan loss allowance to noncurrent loans | 162.3851% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.5561% | 2,348 |
| Noncurrent loans to loans | 0.6437% | 2,332 |
| Net loans and leases to total assets | 85.4911% | 256 |
| Net loans and leases to deposits | 98.0226% | 839 |
| Net loans and leases to core deposits | 229.0844% | 38 |
| Total domestic deposits to total assets | 87.2157% | 1,488 |
| Equity capital to assets | 10.3034% | 3,691 |
| Core capital (leverage) ratio | 10.3842% | 3,205 |
| Tier 1 risk-based capital ratio | 11.5711% | 4,649 |
| Total risk-based capital ratio | 12.5883% | 4,666 |
| Memoranda: | ||
| Average total assets | $783,906,000 | 995 |
| Average earning assets | $764,448,330 | 943 |
| Average equity | $81,803,670 | 1,056 |
| Average total loans | $696,103,000 | 819 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9656% | 233 |
| Cost of funding earning assets | 1.5609% | 260 |
| Net interest margin | 4.4046% | 894 |
| Noninterest income to average assets | 0.4275% | 2,992 |
| Noninterest expense to average assets | 3.7383% | 706 |
| Loan and lease loss provision to assets | 0.2814% | 479 |
| Net operating income to assets | 0.5271% | 4,439 |
| Return on assets (ROA) | 0.5271% | 4,460 |
| Pretax return on assets | 0.6996% | 4,301 |
| Return on Equity (ROE) | 5.0184% | 4,321 |
| Retained earnings to average equity (ytd only) | 3.7896% | 3,406 |
| Net charge-offs to loans | 0.9403% | 154 |
| Credit loss provision to net charge-offs | 33.2317% | 2,071 |
| Earnings coverage of net charge-offs (x) | 1.1585% | 2,616 |
| Efficiency ratio | 79.2145% | 1,133 |
| Assets per employee ($millions) | 5.5741% | 1,911 |
| Cash dividends to net income (ytd only)* | 24.4858% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1069% | 3,093 |
| Loan loss allowance to noncurrent loans | 172.8050% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 0.5692% | 2,362 |
| Noncurrent loans to loans | 0.6406% | 2,411 |
| Net loans and leases to total assets | 87.8761% | 103 |
| Net loans and leases to deposits | 100.9862% | 555 |
| Net loans and leases to core deposits | 236.6868% | 36 |
| Total domestic deposits to total assets | 87.0179% | 1,804 |
| Equity capital to assets | 10.4778% | 3,364 |
| Core capital (leverage) ratio | 10.4324% | 3,130 |
| Tier 1 risk-based capital ratio | 11.4492% | 4,767 |
| Total risk-based capital ratio | 12.5269% | 4,761 |
| Memoranda: | ||
| Average total assets | $774,781,500 | 1,003 |
| Average earning assets | $754,933,500 | 954 |
| Average equity | $81,381,000 | 1,058 |
| Average total loans | $697,647,000 | 818 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8598% | 216 |
| Cost of funding earning assets | 1.1819% | 365 |
| Net interest margin | 4.6779% | 511 |
| Noninterest income to average assets | 0.6749% | 1,946 |
| Noninterest expense to average assets | 3.5575% | 922 |
| Loan and lease loss provision to assets | 1.0153% | 83 |
| Net operating income to assets | 0.4970% | 4,664 |
| Return on assets (ROA) | 0.4970% | 4,670 |
| Pretax return on assets | 0.6669% | 4,497 |
| Return on Equity (ROE) | 4.7732% | 4,513 |
| Retained earnings to average equity (ytd only) | 4.4572% | 3,075 |
| Net charge-offs to loans | 1.0896% | 131 |
| Credit loss provision to net charge-offs | 98.6070% | 2,584 |
| Earnings coverage of net charge-offs (x) | 1.6337% | 3,607 |
| Efficiency ratio | 67.8947% | 2,563 |
| Assets per employee ($millions) | 5.5337% | 1,924 |
| Cash dividends to net income (ytd only)* | 6.6190% | 3,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 2,302 |
| Loan loss allowance to noncurrent loans | 186.0628% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.6129% | 2,205 |
| Noncurrent loans to loans | 0.6716% | 2,316 |
| Net loans and leases to total assets | 90.1059% | 62 |
| Net loans and leases to deposits | 103.7296% | 491 |
| Net loans and leases to core deposits | 162.4584% | 83 |
| Total domestic deposits to total assets | 86.8662% | 1,843 |
| Equity capital to assets | 10.5301% | 3,150 |
| Core capital (leverage) ratio | 10.6322% | 2,904 |
| Tier 1 risk-based capital ratio | 10.8594% | 5,039 |
| Total risk-based capital ratio | 12.0393% | 4,960 |
| Memoranda: | ||
| Average total assets | $759,947,400 | 990 |
| Average earning assets | $741,579,800 | 945 |
| Average equity | $79,129,600 | 1,038 |
| Average total loans | $718,172,200 | 765 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7988% | 221 |
| Cost of funding earning assets | 1.1252% | 359 |
| Net interest margin | 4.6736% | 497 |
| Noninterest income to average assets | 0.7659% | 1,601 |
| Noninterest expense to average assets | 3.5267% | 950 |
| Loan and lease loss provision to assets | 1.0946% | 72 |
| Net operating income to assets | 0.5281% | 4,700 |
| Return on assets (ROA) | 0.5281% | 4,705 |
| Pretax return on assets | 0.7087% | 4,513 |
| Return on Equity (ROE) | 5.0865% | 4,531 |
| Retained earnings to average equity (ytd only) | 5.0865% | 3,189 |
| Net charge-offs to loans | 1.1032% | 126 |
| Credit loss provision to net charge-offs | 104.0830% | 2,199 |
| Earnings coverage of net charge-offs (x) | 1.7147% | 3,322 |
| Efficiency ratio | 66.1670% | 2,842 |
| Assets per employee ($millions) | 5.1538% | 2,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2909% | 2,135 |
| Loan loss allowance to noncurrent loans | 234.1288% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.5179% | 2,665 |
| Noncurrent loans to loans | 0.5514% | 2,729 |
| Net loans and leases to total assets | 92.7209% | 22 |
| Net loans and leases to deposits | 106.9953% | 398 |
| Net loans and leases to core deposits | 223.5499% | 35 |
| Total domestic deposits to total assets | 86.6588% | 1,889 |
| Equity capital to assets | 10.6945% | 2,937 |
| Core capital (leverage) ratio | 10.6739% | 2,910 |
| Tier 1 risk-based capital ratio | 11.0660% | 5,004 |
| Total risk-based capital ratio | 12.3161% | 4,906 |
| Memoranda: | ||
| Average total assets | $757,637,000 | 992 |
| Average earning assets | $739,883,250 | 946 |
| Average equity | $78,663,000 | 1,036 |
| Average total loans | $722,251,250 | 758 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7230% | 225 |
| Cost of funding earning assets | 1.0896% | 304 |
| Net interest margin | 4.6334% | 510 |
| Noninterest income to average assets | 0.6124% | 2,259 |
| Noninterest expense to average assets | 3.4484% | 1,075 |
| Loan and lease loss provision to assets | 1.2337% | 56 |
| Net operating income to assets | 0.3387% | 5,065 |
| Return on assets (ROA) | 0.3387% | 5,064 |
| Pretax return on assets | 0.4551% | 4,980 |
| Return on Equity (ROE) | 3.2949% | 4,964 |
| Retained earnings to average equity (ytd only) | 3.2949% | 3,924 |
| Net charge-offs to loans | 1.1347% | 112 |
| Credit loss provision to net charge-offs | 113.4965% | 1,854 |
| Earnings coverage of net charge-offs (x) | 1.5537% | 3,052 |
| Efficiency ratio | 67.1264% | 2,794 |
| Assets per employee ($millions) | 5.1210% | 2,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3175% | 2,085 |
| Loan loss allowance to noncurrent loans | 255.3301% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.4943% | 2,779 |
| Noncurrent loans to loans | 0.5160% | 2,871 |
| Net loans and leases to total assets | 94.5383% | 7 |
| Net loans and leases to deposits | 108.8783% | 314 |
| Net loans and leases to core deposits | 217.1722% | 34 |
| Total domestic deposits to total assets | 86.8293% | 1,918 |
| Equity capital to assets | 10.5335% | 3,079 |
| Core capital (leverage) ratio | 10.4055% | 3,132 |
| Tier 1 risk-based capital ratio | 10.7081% | 5,189 |
| Total risk-based capital ratio | 11.9586% | 5,087 |
| Memoranda: | ||
| Average total assets | $759,365,670 | 988 |
| Average earning assets | $741,569,670 | 949 |
| Average equity | $78,060,330 | 1,042 |
| Average total loans | $727,400,670 | 756 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6031% | 235 |
| Cost of funding earning assets | 1.0534% | 293 |
| Net interest margin | 4.5498% | 553 |
| Noninterest income to average assets | 0.5494% | 2,526 |
| Noninterest expense to average assets | 3.4709% | 1,051 |
| Loan and lease loss provision to assets | 1.1767% | 69 |
| Net operating income to assets | 0.2556% | 5,167 |
| Return on assets (ROA) | 0.2556% | 5,168 |
| Pretax return on assets | 0.3429% | 5,110 |
| Return on Equity (ROE) | 2.5170% | 5,103 |
| Retained earnings to average equity (ytd only) | 2.5170% | 4,161 |
| Net charge-offs to loans | 1.0653% | 131 |
| Credit loss provision to net charge-offs | 115.3176% | 1,416 |
| Earnings coverage of net charge-offs (x) | 1.4892% | 2,552 |
| Efficiency ratio | 69.5506% | 2,563 |
| Assets per employee ($millions) | 5.0760% | 2,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2670% | 2,416 |
| Loan loss allowance to noncurrent loans | 258.7091% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.4691% | 2,978 |
| Noncurrent loans to loans | 0.4897% | 3,051 |
| Net loans and leases to total assets | 94.5748% | 3 |
| Net loans and leases to deposits | 108.9092% | 290 |
| Net loans and leases to core deposits | 249.6879% | 31 |
| Total domestic deposits to total assets | 86.8382% | 2,187 |
| Equity capital to assets | 10.3074% | 3,272 |
| Core capital (leverage) ratio | 10.1273% | 3,391 |
| Tier 1 risk-based capital ratio | 10.4513% | 5,364 |
| Total risk-based capital ratio | 11.6876% | 5,293 |
| Memoranda: | ||
| Average total assets | $765,219,000 | 991 |
| Average earning assets | $746,940,500 | 951 |
| Average equity | $77,713,000 | 1,053 |
| Average total loans | $732,970,500 | 753 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2763% | 381 |
| Cost of funding earning assets | 0.9899% | 228 |
| Net interest margin | 4.2865% | 991 |
| Noninterest income to average assets | 0.5467% | 2,733 |
| Noninterest expense to average assets | 3.3086% | 1,360 |
| Loan and lease loss provision to assets | 1.2539% | 72 |
| Net operating income to assets | -0.0187% | 5,379 |
| Return on assets (ROA) | -0.0187% | 5,383 |
| Pretax return on assets | 0.1788% | 5,329 |
| Return on Equity (ROE) | -0.1867% | 5,381 |
| Retained earnings to average equity (ytd only) | -5.3005% | 5,440 |
| Net charge-offs to loans | 1.0069% | 174 |
| Credit loss provision to net charge-offs | 132.2904% | 1,997 |
| Earnings coverage of net charge-offs (x) | 1.5116% | 3,877 |
| Efficiency ratio | 69.7815% | 2,598 |
| Assets per employee ($millions) | 5.2661% | 2,184 |
| Cash dividends to net income (ytd only)* | -2,739.7260% | 5,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1975% | 2,802 |
| Loan loss allowance to noncurrent loans | 270.2069% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.4245% | 3,167 |
| Noncurrent loans to loans | 0.4432% | 3,193 |
| Net loans and leases to total assets | 94.6361% | 6 |
| Net loans and leases to deposits | 108.3385% | 313 |
| Net loans and leases to core deposits | 265.6975% | 29 |
| Total domestic deposits to total assets | 87.3522% | 1,836 |
| Equity capital to assets | 10.0074% | 3,700 |
| Core capital (leverage) ratio | 9.7388% | 3,758 |
| Tier 1 risk-based capital ratio | 10.1584% | 5,494 |
| Total risk-based capital ratio | 11.3276% | 5,451 |
| Memoranda: | ||
| Average total assets | $778,903,800 | 956 |
| Average earning assets | $762,233,400 | 901 |
| Average equity | $78,219,600 | 1,030 |
| Average total loans | $733,261,600 | 720 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1052% | 498 |
| Cost of funding earning assets | 0.9646% | 232 |
| Net interest margin | 4.1406% | 1,295 |
| Noninterest income to average assets | 0.5090% | 2,978 |
| Noninterest expense to average assets | 3.3034% | 1,339 |
| Loan and lease loss provision to assets | 1.1268% | 89 |
| Net operating income to assets | 0.0747% | 5,463 |
| Return on assets (ROA) | 0.0747% | 5,471 |
| Pretax return on assets | 0.1330% | 5,437 |
| Return on Equity (ROE) | 0.7431% | 5,457 |
| Retained earnings to average equity (ytd only) | -6.0588% | 5,569 |
| Net charge-offs to loans | 0.9662% | 181 |
| Credit loss provision to net charge-offs | 124.4197% | 1,950 |
| Earnings coverage of net charge-offs (x) | 1.3910% | 3,577 |
| Efficiency ratio | 72.3922% | 2,156 |
| Assets per employee ($millions) | 4.9170% | 2,557 |
| Cash dividends to net income (ytd only)* | 915.3351% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0376% | 3,859 |
| Loan loss allowance to noncurrent loans | 307.3796% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.3262% | 3,752 |
| Noncurrent loans to loans | 0.3376% | 3,742 |
| Net loans and leases to total assets | 95.6239% | 3 |
| Net loans and leases to deposits | 109.3071% | 303 |
| Net loans and leases to core deposits | 281.6995% | 28 |
| Total domestic deposits to total assets | 87.4818% | 1,635 |
| Equity capital to assets | 10.0468% | 3,859 |
| Core capital (leverage) ratio | 10.1699% | 3,352 |
| Tier 1 risk-based capital ratio | 10.1207% | 5,570 |
| Total risk-based capital ratio | 11.1345% | 5,587 |
| Memoranda: | ||
| Average total assets | $780,099,750 | 959 |
| Average earning assets | $763,831,250 | 904 |
| Average equity | $78,407,250 | 1,030 |
| Average total loans | $731,208,000 | 722 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9030% | 689 |
| Cost of funding earning assets | 0.9516% | 221 |
| Net interest margin | 3.9514% | 1,770 |
| Noninterest income to average assets | 0.5169% | 2,917 |
| Noninterest expense to average assets | 3.2956% | 1,378 |
| Loan and lease loss provision to assets | 0.9278% | 104 |
| Net operating income to assets | 0.0929% | 5,498 |
| Return on assets (ROA) | 0.0929% | 5,502 |
| Pretax return on assets | 0.1644% | 5,454 |
| Return on Equity (ROE) | 0.9245% | 5,482 |
| Retained earnings to average equity (ytd only) | -9.2633% | 5,637 |
| Net charge-offs to loans | 0.9427% | 208 |
| Credit loss provision to net charge-offs | 106.0890% | 1,936 |
| Earnings coverage of net charge-offs (x) | 1.2488% | 3,305 |
| Efficiency ratio | 75.1079% | 1,840 |
| Assets per employee ($millions) | 4.5219% | 3,066 |
| Cash dividends to net income (ytd only)* | 1,101.9284% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9451% | 4,439 |
| Loan loss allowance to noncurrent loans | 229.7909% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.3933% | 3,542 |
| Noncurrent loans to loans | 0.4113% | 3,552 |
| Net loans and leases to total assets | 94.7338% | 6 |
| Net loans and leases to deposits | 108.5104% | 301 |
| Net loans and leases to core deposits | 260.7243% | 30 |
| Total domestic deposits to total assets | 87.3040% | 1,803 |
| Equity capital to assets | 10.2454% | 3,620 |
| Core capital (leverage) ratio | 9.9220% | 3,632 |
| Tier 1 risk-based capital ratio | 10.4430% | 5,484 |
| Total risk-based capital ratio | 11.3683% | 5,546 |
| Memoranda: | ||
| Average total assets | $781,168,670 | 966 |
| Average earning assets | $765,245,330 | 910 |
| Average equity | $78,525,330 | 1,028 |
| Average total loans | $724,716,000 | 729 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7889% | 764 |
| Cost of funding earning assets | 0.9378% | 227 |
| Net interest margin | 3.8511% | 1,950 |
| Noninterest income to average assets | 0.5883% | 2,466 |
| Noninterest expense to average assets | 3.1332% | 1,782 |
| Loan and lease loss provision to assets | 0.9184% | 95 |
| Net operating income to assets | 0.1838% | 5,420 |
| Return on assets (ROA) | 0.1838% | 5,431 |
| Pretax return on assets | 0.3101% | 5,303 |
| Return on Equity (ROE) | 1.8446% | 5,362 |
| Retained earnings to average equity (ytd only) | 1.8446% | 4,383 |
| Net charge-offs to loans | 0.8989% | 188 |
| Credit loss provision to net charge-offs | 111.7254% | 1,467 |
| Earnings coverage of net charge-offs (x) | 1.4945% | 2,722 |
| Efficiency ratio | 71.8342% | 2,604 |
| Assets per employee ($millions) | 5.0441% | 2,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9892% | 4,355 |
| Loan loss allowance to noncurrent loans | 228.2253% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.3748% | 3,701 |
| Noncurrent loans to loans | 0.4334% | 3,546 |
| Net loans and leases to total assets | 85.6078% | 248 |
| Net loans and leases to deposits | 97.8810% | 779 |
| Net loans and leases to core deposits | 243.6999% | 32 |
| Total domestic deposits to total assets | 87.4612% | 2,006 |
| Equity capital to assets | 10.2302% | 3,483 |
| Core capital (leverage) ratio | 9.9006% | 3,622 |
| Tier 1 risk-based capital ratio | 11.4958% | 5,032 |
| Total risk-based capital ratio | 12.4627% | 5,094 |
| Memoranda: | ||
| Average total assets | $800,960,500 | 943 |
| Average earning assets | $784,822,000 | 890 |
| Average equity | $79,799,000 | 1,016 |
| Average total loans | $732,456,500 | 719 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7009% | 1,059 |
| Cost of funding earning assets | 0.8763% | 335 |
| Net interest margin | 3.8247% | 2,230 |
| Noninterest income to average assets | 0.4904% | 3,299 |
| Noninterest expense to average assets | 3.0278% | 2,269 |
| Loan and lease loss provision to assets | 0.7084% | 169 |
| Net operating income to assets | 0.3090% | 5,200 |
| Return on assets (ROA) | 0.3090% | 5,264 |
| Pretax return on assets | 0.5068% | 5,010 |
| Return on Equity (ROE) | 3.1534% | 5,118 |
| Retained earnings to average equity (ytd only) | 2.8346% | 3,877 |
| Net charge-offs to loans | 0.6893% | 316 |
| Credit loss provision to net charge-offs | 106.9610% | 2,440 |
| Earnings coverage of net charge-offs (x) | 1.8349% | 3,931 |
| Efficiency ratio | 71.3600% | 2,687 |
| Assets per employee ($millions) | 5.4672% | 1,889 |
| Cash dividends to net income (ytd only)* | 10.1092% | 4,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8232% | 5,041 |
| Loan loss allowance to noncurrent loans | 202.4314% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.3912% | 3,703 |
| Noncurrent loans to loans | 0.4066% | 3,691 |
| Net loans and leases to total assets | 95.4071% | 4 |
| Net loans and leases to deposits | 108.0127% | 274 |
| Net loans and leases to core deposits | 301.6920% | 25 |
| Total domestic deposits to total assets | 88.3295% | 1,472 |
| Equity capital to assets | 9.7081% | 4,055 |
| Core capital (leverage) ratio | 9.6499% | 3,909 |
| Tier 1 risk-based capital ratio | 9.8711% | 5,768 |
| Total risk-based capital ratio | 10.6778% | 5,820 |
| Memoranda: | ||
| Average total assets | $800,436,200 | 905 |
| Average earning assets | $785,377,400 | 855 |
| Average equity | $78,422,600 | 1,012 |
| Average total loans | $769,013,000 | 654 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6519% | 1,182 |
| Cost of funding earning assets | 0.8516% | 377 |
| Net interest margin | 3.8003% | 2,327 |
| Noninterest income to average assets | 0.4755% | 3,406 |
| Noninterest expense to average assets | 2.9836% | 2,368 |
| Loan and lease loss provision to assets | 0.6476% | 174 |
| Net operating income to assets | 0.3513% | 5,163 |
| Return on assets (ROA) | 0.3513% | 5,242 |
| Pretax return on assets | 0.5742% | 4,948 |
| Return on Equity (ROE) | 3.5771% | 5,057 |
| Retained earnings to average equity (ytd only) | 3.1504% | 4,029 |
| Net charge-offs to loans | 0.6675% | 295 |
| Credit loss provision to net charge-offs | 101.0196% | 2,329 |
| Earnings coverage of net charge-offs (x) | 1.9059% | 3,644 |
| Efficiency ratio | 70.9469% | 2,752 |
| Assets per employee ($millions) | 5.6683% | 1,698 |
| Cash dividends to net income (ytd only)* | 11.9276% | 3,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7673% | 5,279 |
| Loan loss allowance to noncurrent loans | 229.6572% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.3221% | 4,114 |
| Noncurrent loans to loans | 0.3341% | 4,058 |
| Net loans and leases to total assets | 95.6721% | 2 |
| Net loans and leases to deposits | 107.5491% | 324 |
| Net loans and leases to core deposits | 307.8870% | 28 |
| Total domestic deposits to total assets | 88.9567% | 929 |
| Equity capital to assets | 9.5096% | 4,650 |
| Core capital (leverage) ratio | 9.6303% | 4,020 |
| Tier 1 risk-based capital ratio | 9.6745% | 5,857 |
| Total risk-based capital ratio | 10.4286% | 5,912 |
| Memoranda: | ||
| Average total assets | $795,523,750 | 909 |
| Average earning assets | $780,794,250 | 859 |
| Average equity | $78,124,500 | 1,022 |
| Average total loans | $764,037,750 | 653 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6273% | 1,211 |
| Cost of funding earning assets | 0.8258% | 423 |
| Net interest margin | 3.8015% | 2,314 |
| Noninterest income to average assets | 0.4973% | 3,213 |
| Noninterest expense to average assets | 3.0027% | 2,332 |
| Loan and lease loss provision to assets | 0.5740% | 202 |
| Net operating income to assets | 0.3985% | 5,035 |
| Return on assets (ROA) | 0.3985% | 5,116 |
| Pretax return on assets | 0.6506% | 4,758 |
| Return on Equity (ROE) | 4.0127% | 4,910 |
| Retained earnings to average equity (ytd only) | 3.3696% | 3,752 |
| Net charge-offs to loans | 0.6507% | 313 |
| Credit loss provision to net charge-offs | 91.9771% | 2,217 |
| Earnings coverage of net charge-offs (x) | 1.9623% | 3,347 |
| Efficiency ratio | 71.0315% | 2,817 |
| Assets per employee ($millions) | 5.3308% | 1,953 |
| Cash dividends to net income (ytd only)* | 16.0256% | 3,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7659% | 5,358 |
| Loan loss allowance to noncurrent loans | 230.7004% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.3193% | 4,219 |
| Noncurrent loans to loans | 0.3320% | 4,174 |
| Net loans and leases to total assets | 95.4315% | 3 |
| Net loans and leases to deposits | 107.5167% | 314 |
| Net loans and leases to core deposits | 293.3000% | 29 |
| Total domestic deposits to total assets | 88.7597% | 1,035 |
| Equity capital to assets | 9.7772% | 4,478 |
| Core capital (leverage) ratio | 9.8272% | 3,781 |
| Tier 1 risk-based capital ratio | 9.9636% | 5,872 |
| Total risk-based capital ratio | 10.7158% | 5,938 |
| Memoranda: | ||
| Average total assets | $782,949,670 | 921 |
| Average earning assets | $768,216,670 | 875 |
| Average equity | $77,753,330 | 1,025 |
| Average total loans | $750,934,330 | 665 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6299% | 1,186 |
| Cost of funding earning assets | 0.8070% | 478 |
| Net interest margin | 3.8229% | 2,212 |
| Noninterest income to average assets | 0.4814% | 3,246 |
| Noninterest expense to average assets | 3.0054% | 2,373 |
| Loan and lease loss provision to assets | 0.5695% | 200 |
| Net operating income to assets | 0.4011% | 4,996 |
| Return on assets (ROA) | 0.4011% | 5,072 |
| Pretax return on assets | 0.6550% | 4,666 |
| Return on Equity (ROE) | 4.0063% | 4,886 |
| Retained earnings to average equity (ytd only) | 4.0063% | 3,485 |
| Net charge-offs to loans | 0.6719% | 322 |
| Credit loss provision to net charge-offs | 88.4863% | 1,777 |
| Earnings coverage of net charge-offs (x) | 1.9026% | 2,755 |
| Efficiency ratio | 71.0523% | 2,954 |
| Assets per employee ($millions) | 5.3434% | 1,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8006% | 5,360 |
| Loan loss allowance to noncurrent loans | 233.7632% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.3280% | 4,254 |
| Noncurrent loans to loans | 0.3425% | 4,211 |
| Net loans and leases to total assets | 95.0114% | 4 |
| Net loans and leases to deposits | 107.1663% | 302 |
| Net loans and leases to core deposits | 272.1305% | 31 |
| Total domestic deposits to total assets | 88.6579% | 1,270 |
| Equity capital to assets | 9.9554% | 4,138 |
| Core capital (leverage) ratio | 9.9695% | 3,573 |
| Tier 1 risk-based capital ratio | 10.1259% | 5,885 |
| Total risk-based capital ratio | 10.9115% | 5,952 |
| Memoranda: | ||
| Average total assets | $771,948,000 | 932 |
| Average earning assets | $756,902,500 | 887 |
| Average equity | $77,279,000 | 1,035 |
| Average total loans | $739,347,500 | 673 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6007% | 1,329 |
| Cost of funding earning assets | 0.7175% | 753 |
| Net interest margin | 3.8832% | 2,085 |
| Noninterest income to average assets | 0.4928% | 3,373 |
| Noninterest expense to average assets | 3.2190% | 1,918 |
| Loan and lease loss provision to assets | 0.6724% | 153 |
| Net operating income to assets | 0.3058% | 5,341 |
| Return on assets (ROA) | 0.3058% | 5,422 |
| Pretax return on assets | 0.4147% | 5,290 |
| Return on Equity (ROE) | 2.8925% | 5,338 |
| Retained earnings to average equity (ytd only) | 2.3666% | 4,370 |
| Net charge-offs to loans | 0.7627% | 302 |
| Credit loss provision to net charge-offs | 91.3676% | 2,735 |
| Earnings coverage of net charge-offs (x) | 1.4771% | 4,078 |
| Efficiency ratio | 74.7538% | 2,466 |
| Assets per employee ($millions) | 5.3039% | 2,007 |
| Cash dividends to net income (ytd only)* | 18.1818% | 3,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8373% | 5,309 |
| Loan loss allowance to noncurrent loans | 253.8334% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.3159% | 4,329 |
| Noncurrent loans to loans | 0.3299% | 4,279 |
| Net loans and leases to total assets | 94.9735% | 4 |
| Net loans and leases to deposits | 107.3176% | 318 |
| Net loans and leases to core deposits | 271.4839% | 30 |
| Total domestic deposits to total assets | 88.4977% | 1,385 |
| Equity capital to assets | 10.0676% | 3,885 |
| Core capital (leverage) ratio | 10.2354% | 3,211 |
| Tier 1 risk-based capital ratio | 10.1702% | 5,906 |
| Total risk-based capital ratio | 10.9904% | 5,982 |
| Memoranda: | ||
| Average total assets | $719,312,400 | 965 |
| Average earning assets | $706,371,000 | 905 |
| Average equity | $76,057,600 | 1,002 |
| Average total loans | $694,154,800 | 667 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5960% | 1,341 |
| Cost of funding earning assets | 0.7060% | 812 |
| Net interest margin | 3.8900% | 2,066 |
| Noninterest income to average assets | 0.4929% | 3,417 |
| Noninterest expense to average assets | 3.2434% | 1,841 |
| Loan and lease loss provision to assets | 0.6117% | 146 |
| Net operating income to assets | 0.3345% | 5,355 |
| Return on assets (ROA) | 0.3345% | 5,438 |
| Pretax return on assets | 0.4603% | 5,327 |
| Return on Equity (ROE) | 3.1237% | 5,338 |
| Retained earnings to average equity (ytd only) | 2.4205% | 4,662 |
| Net charge-offs to loans | 0.7416% | 281 |
| Credit loss provision to net charge-offs | 85.2980% | 2,535 |
| Earnings coverage of net charge-offs (x) | 1.4949% | 3,821 |
| Efficiency ratio | 75.1592% | 2,378 |
| Assets per employee ($millions) | 3.7910% | 4,284 |
| Cash dividends to net income (ytd only)* | 22.5099% | 3,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8528% | 5,359 |
| Loan loss allowance to noncurrent loans | 234.5929% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.3527% | 4,361 |
| Noncurrent loans to loans | 0.3635% | 4,309 |
| Net loans and leases to total assets | 96.1909% | 4 |
| Net loans and leases to deposits | 109.0411% | 273 |
| Net loans and leases to core deposits | 258.3903% | 35 |
| Total domestic deposits to total assets | 88.2153% | 1,445 |
| Equity capital to assets | 10.5059% | 3,596 |
| Core capital (leverage) ratio | 10.5153% | 3,030 |
| Tier 1 risk-based capital ratio | 10.5727% | 5,852 |
| Total risk-based capital ratio | 11.4077% | 5,936 |
| Memoranda: | ||
| Average total assets | $708,201,250 | 986 |
| Average earning assets | $695,927,000 | 928 |
| Average equity | $75,849,000 | 1,011 |
| Average total loans | $684,820,500 | 680 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5698% | 1,348 |
| Cost of funding earning assets | 0.6907% | 884 |
| Net interest margin | 3.8791% | 2,051 |
| Noninterest income to average assets | 0.4660% | 3,590 |
| Noninterest expense to average assets | 3.3607% | 1,549 |
| Loan and lease loss provision to assets | 0.5627% | 166 |
| Net operating income to assets | 0.2791% | 5,504 |
| Return on assets (ROA) | 0.2791% | 5,591 |
| Pretax return on assets | 0.3560% | 5,558 |
| Return on Equity (ROE) | 2.5885% | 5,537 |
| Retained earnings to average equity (ytd only) | 2.5885% | 4,411 |
| Net charge-offs to loans | 0.7062% | 324 |
| Credit loss provision to net charge-offs | 82.4906% | 2,299 |
| Earnings coverage of net charge-offs (x) | 1.3468% | 3,535 |
| Efficiency ratio | 78.5319% | 1,986 |
| Assets per employee ($millions) | 4.6690% | 2,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8777% | 5,380 |
| Loan loss allowance to noncurrent loans | 236.0398% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.3631% | 4,442 |
| Noncurrent loans to loans | 0.3718% | 4,377 |
| Net loans and leases to total assets | 96.8025% | 2 |
| Net loans and leases to deposits | 109.4728% | 271 |
| Net loans and leases to core deposits | 249.2228% | 34 |
| Total domestic deposits to total assets | 88.4261% | 1,433 |
| Equity capital to assets | 10.5796% | 3,360 |
| Core capital (leverage) ratio | 10.5934% | 2,853 |
| Tier 1 risk-based capital ratio | 10.5653% | 5,894 |
| Total risk-based capital ratio | 11.4265% | 5,977 |
| Memoranda: | ||
| Average total assets | $701,646,000 | 997 |
| Average earning assets | $689,745,000 | 933 |
| Average equity | $75,642,330 | 1,018 |
| Average total loans | $677,706,000 | 685 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4993% | 1,461 |
| Cost of funding earning assets | 0.6805% | 946 |
| Net interest margin | 3.8188% | 2,171 |
| Noninterest income to average assets | 0.4116% | 3,911 |
| Noninterest expense to average assets | 3.2002% | 1,986 |
| Loan and lease loss provision to assets | 0.3931% | 303 |
| Net operating income to assets | 0.3885% | 5,114 |
| Return on assets (ROA) | 0.3885% | 5,232 |
| Pretax return on assets | 0.5726% | 4,991 |
| Return on Equity (ROE) | 3.5690% | 5,155 |
| Retained earnings to average equity (ytd only) | 3.5690% | 3,859 |
| Net charge-offs to loans | 0.7015% | 340 |
| Credit loss provision to net charge-offs | 58.3548% | 2,021 |
| Earnings coverage of net charge-offs (x) | 1.4336% | 2,920 |
| Efficiency ratio | 76.8186% | 2,371 |
| Assets per employee ($millions) | 4.9169% | 2,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9088% | 5,417 |
| Loan loss allowance to noncurrent loans | 212.5523% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.4108% | 4,387 |
| Noncurrent loans to loans | 0.4276% | 4,312 |
| Net loans and leases to total assets | 95.1949% | 3 |
| Net loans and leases to deposits | 107.9586% | 257 |
| Net loans and leases to core deposits | 237.6758% | 38 |
| Total domestic deposits to total assets | 88.1772% | 1,720 |
| Equity capital to assets | 10.8514% | 3,140 |
| Core capital (leverage) ratio | 10.8701% | 2,552 |
| Tier 1 risk-based capital ratio | 11.0165% | 5,804 |
| Total risk-based capital ratio | 11.9072% | 5,883 |
| Memoranda: | ||
| Average total assets | $692,952,500 | 1,004 |
| Average earning assets | $681,255,500 | 942 |
| Average equity | $75,428,000 | 1,020 |
| Average total loans | $665,456,500 | 700 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7875% | 1,140 |
| Cost of funding earning assets | 0.6053% | 1,719 |
| Net interest margin | 4.1823% | 1,352 |
| Noninterest income to average assets | 0.5557% | 3,144 |
| Noninterest expense to average assets | 3.0315% | 2,752 |
| Loan and lease loss provision to assets | 0.7172% | 173 |
| Net operating income to assets | 0.6188% | 4,283 |
| Return on assets (ROA) | 0.6188% | 4,386 |
| Pretax return on assets | 0.9000% | 3,903 |
| Return on Equity (ROE) | 5.4858% | 4,413 |
| Retained earnings to average equity (ytd only) | 3.5890% | 3,665 |
| Net charge-offs to loans | 0.7998% | 435 |
| Credit loss provision to net charge-offs | 93.4861% | 2,568 |
| Earnings coverage of net charge-offs (x) | 2.1080% | 4,242 |
| Efficiency ratio | 65.2125% | 4,369 |
| Assets per employee ($millions) | 5.1708% | 2,101 |
| Cash dividends to net income (ytd only)* | 34.5764% | 3,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9970% | 5,081 |
| Loan loss allowance to noncurrent loans | 249.9810% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.3829% | 4,552 |
| Noncurrent loans to loans | 0.3988% | 4,448 |
| Net loans and leases to total assets | 95.0385% | 3 |
| Net loans and leases to deposits | 107.9267% | 297 |
| Net loans and leases to core deposits | 247.7546% | 36 |
| Total domestic deposits to total assets | 88.0583% | 1,740 |
| Equity capital to assets | 10.9191% | 2,986 |
| Core capital (leverage) ratio | 10.9191% | 2,479 |
| Tier 1 risk-based capital ratio | 11.1975% | 5,819 |
| Total risk-based capital ratio | 12.1790% | 5,866 |
| Memoranda: | ||
| Average total assets | $654,364,200 | 1,026 |
| Average earning assets | $640,391,400 | 960 |
| Average equity | $73,809,400 | 989 |
| Average total loans | $627,644,200 | 698 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8061% | 1,095 |
| Cost of funding earning assets | 0.5910% | 1,915 |
| Net interest margin | 4.2150% | 1,240 |
| Noninterest income to average assets | 0.5471% | 3,219 |
| Noninterest expense to average assets | 3.0601% | 2,594 |
| Loan and lease loss provision to assets | 0.7644% | 165 |
| Net operating income to assets | 0.5787% | 4,547 |
| Return on assets (ROA) | 0.5787% | 4,628 |
| Pretax return on assets | 0.8423% | 4,212 |
| Return on Equity (ROE) | 5.0873% | 4,680 |
| Retained earnings to average equity (ytd only) | 3.9987% | 3,807 |
| Net charge-offs to loans | 0.8264% | 403 |
| Credit loss provision to net charge-offs | 96.4583% | 2,312 |
| Earnings coverage of net charge-offs (x) | 2.0273% | 4,013 |
| Efficiency ratio | 65.5714% | 4,282 |
| Assets per employee ($millions) | 5.3438% | 1,865 |
| Cash dividends to net income (ytd only)* | 21.3980% | 3,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0300% | 5,076 |
| Loan loss allowance to noncurrent loans | 276.1109% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.3586% | 4,845 |
| Noncurrent loans to loans | 0.3730% | 4,793 |
| Net loans and leases to total assets | 95.1455% | 2 |
| Net loans and leases to deposits | 108.0092% | 264 |
| Net loans and leases to core deposits | 245.5429% | 36 |
| Total domestic deposits to total assets | 88.0902% | 1,714 |
| Equity capital to assets | 10.9132% | 3,057 |
| Core capital (leverage) ratio | 10.9132% | 2,569 |
| Tier 1 risk-based capital ratio | 11.1808% | 5,919 |
| Total risk-based capital ratio | 12.1953% | 5,967 |
| Memoranda: | ||
| Average total assets | $646,027,750 | 1,046 |
| Average earning assets | $631,407,750 | 983 |
| Average equity | $73,488,750 | 994 |
| Average total loans | $619,512,500 | 698 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9569% | 805 |
| Cost of funding earning assets | 0.5816% | 2,062 |
| Net interest margin | 4.3754% | 889 |
| Noninterest income to average assets | 0.5810% | 2,924 |
| Noninterest expense to average assets | 3.1265% | 2,407 |
| Loan and lease loss provision to assets | 0.8365% | 141 |
| Net operating income to assets | 0.5937% | 4,385 |
| Return on assets (ROA) | 0.5937% | 4,481 |
| Pretax return on assets | 0.8848% | 3,940 |
| Return on Equity (ROE) | 5.1435% | 4,608 |
| Retained earnings to average equity (ytd only) | 3.5019% | 3,975 |
| Net charge-offs to loans | 0.8975% | 401 |
| Credit loss provision to net charge-offs | 97.2824% | 2,055 |
| Earnings coverage of net charge-offs (x) | 2.0018% | 3,670 |
| Efficiency ratio | 61.8486% | 5,035 |
| Assets per employee ($millions) | 5.3908% | 1,791 |
| Cash dividends to net income (ytd only)* | 31.9149% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0918% | 4,947 |
| Loan loss allowance to noncurrent loans | 290.4802% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.3607% | 4,945 |
| Noncurrent loans to loans | 0.3759% | 4,868 |
| Net loans and leases to total assets | 94.9255% | 4 |
| Net loans and leases to deposits | 108.0938% | 247 |
| Net loans and leases to core deposits | 239.5324% | 38 |
| Total domestic deposits to total assets | 87.8177% | 2,025 |
| Equity capital to assets | 11.3021% | 2,612 |
| Core capital (leverage) ratio | 11.3021% | 2,156 |
| Tier 1 risk-based capital ratio | 11.5496% | 5,771 |
| Total risk-based capital ratio | 12.6204% | 5,817 |
| Memoranda: | ||
| Average total assets | $633,367,330 | 1,065 |
| Average earning assets | $617,640,670 | 1,004 |
| Average equity | $73,102,670 | 996 |
| Average total loans | $606,824,330 | 715 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9391% | 806 |
| Cost of funding earning assets | 0.5815% | 2,147 |
| Net interest margin | 4.3576% | 881 |
| Noninterest income to average assets | 0.5744% | 2,887 |
| Noninterest expense to average assets | 3.1716% | 2,320 |
| Loan and lease loss provision to assets | 0.9380% | 121 |
| Net operating income to assets | 0.4494% | 4,931 |
| Return on assets (ROA) | 0.4494% | 5,004 |
| Pretax return on assets | 0.7116% | 4,455 |
| Return on Equity (ROE) | 3.8520% | 5,112 |
| Retained earnings to average equity (ytd only) | 3.8520% | 3,814 |
| Net charge-offs to loans | 0.9477% | 365 |
| Credit loss provision to net charge-offs | 103.3922% | 1,612 |
| Earnings coverage of net charge-offs (x) | 1.8184% | 3,014 |
| Efficiency ratio | 63.0851% | 4,992 |
| Assets per employee ($millions) | 5.5852% | 1,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1787% | 4,739 |
| Loan loss allowance to noncurrent loans | 289.3927% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.3913% | 4,971 |
| Noncurrent loans to loans | 0.4073% | 4,913 |
| Net loans and leases to total assets | 94.9376% | 3 |
| Net loans and leases to deposits | 108.8810% | 171 |
| Net loans and leases to core deposits | 234.5569% | 39 |
| Total domestic deposits to total assets | 87.1939% | 2,706 |
| Equity capital to assets | 11.9054% | 1,935 |
| Core capital (leverage) ratio | 11.9054% | 1,709 |
| Tier 1 risk-based capital ratio | 12.1099% | 5,564 |
| Total risk-based capital ratio | 13.2618% | 5,570 |
| Memoranda: | ||
| Average total assets | $623,909,000 | 1,093 |
| Average earning assets | $608,041,500 | 1,031 |
| Average equity | $72,793,000 | 999 |
| Average total loans | $597,227,000 | 728 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2092% | 626 |
| Cost of funding earning assets | 0.7044% | 1,782 |
| Net interest margin | 4.5048% | 729 |
| Noninterest income to average assets | 0.6284% | 2,930 |
| Noninterest expense to average assets | 3.2105% | 2,384 |
| Loan and lease loss provision to assets | 0.7150% | 318 |
| Net operating income to assets | 0.6584% | 3,997 |
| Return on assets (ROA) | 0.6469% | 4,154 |
| Pretax return on assets | 1.0542% | 3,140 |
| Return on Equity (ROE) | 5.5789% | 4,342 |
| Retained earnings to average equity (ytd only) | 3.8964% | 3,428 |
| Net charge-offs to loans | 0.7628% | 828 |
| Credit loss provision to net charge-offs | 100.6638% | 2,402 |
| Earnings coverage of net charge-offs (x) | 2.5159% | 4,174 |
| Efficiency ratio | 61.6904% | 5,261 |
| Assets per employee ($millions) | 5.7067% | 1,470 |
| Cash dividends to net income (ytd only)* | 30.1583% | 3,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1434% | 4,937 |
| Loan loss allowance to noncurrent loans | 283.8537% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.3842% | 5,103 |
| Noncurrent loans to loans | 0.4028% | 4,998 |
| Net loans and leases to total assets | 94.2966% | 6 |
| Net loans and leases to deposits | 109.3468% | 181 |
| Net loans and leases to core deposits | 247.8146% | 37 |
| Total domestic deposits to total assets | 86.2363% | 3,143 |
| Equity capital to assets | 11.4363% | 2,217 |
| Core capital (leverage) ratio | 11.4363% | 2,007 |
| Tier 1 risk-based capital ratio | 12.1072% | 5,554 |
| Total risk-based capital ratio | 13.2619% | 5,545 |
| Memoranda: | ||
| Average total assets | $615,075,000 | 1,084 |
| Average earning assets | $596,562,800 | 1,025 |
| Average equity | $71,321,800 | 999 |
| Average total loans | $572,763,600 | 733 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2082% | 632 |
| Cost of funding earning assets | 0.7196% | 1,815 |
| Net interest margin | 4.4886% | 753 |
| Noninterest income to average assets | 0.6248% | 3,013 |
| Noninterest expense to average assets | 3.1764% | 2,430 |
| Loan and lease loss provision to assets | 0.6797% | 322 |
| Net operating income to assets | 0.6877% | 3,919 |
| Return on assets (ROA) | 0.6810% | 4,094 |
| Pretax return on assets | 1.1055% | 3,093 |
| Return on Equity (ROE) | 5.8518% | 4,268 |
| Retained earnings to average equity (ytd only) | 4.7258% | 3,288 |
| Net charge-offs to loans | 0.7683% | 774 |
| Credit loss provision to net charge-offs | 95.6068% | 2,497 |
| Earnings coverage of net charge-offs (x) | 2.5260% | 3,990 |
| Efficiency ratio | 61.2317% | 5,238 |
| Assets per employee ($millions) | 5.9700% | 1,260 |
| Cash dividends to net income (ytd only)* | 19.2431% | 3,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1502% | 5,120 |
| Loan loss allowance to noncurrent loans | 297.8338% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.3643% | 5,318 |
| Noncurrent loans to loans | 0.3862% | 5,234 |
| Net loans and leases to total assets | 93.2499% | 7 |
| Net loans and leases to deposits | 108.2946% | 182 |
| Net loans and leases to core deposits | 231.2390% | 38 |
| Total domestic deposits to total assets | 86.1076% | 3,191 |
| Equity capital to assets | 11.6232% | 2,195 |
| Core capital (leverage) ratio | 11.6207% | 1,932 |
| Tier 1 risk-based capital ratio | 12.4100% | 5,512 |
| Total risk-based capital ratio | 13.5688% | 5,500 |
| Memoranda: | ||
| Average total assets | $610,481,750 | 1,098 |
| Average earning assets | $591,256,000 | 1,042 |
| Average equity | $71,041,500 | 1,009 |
| Average total loans | $564,897,250 | 735 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1778% | 661 |
| Cost of funding earning assets | 0.7318% | 1,824 |
| Net interest margin | 4.4461% | 782 |
| Noninterest income to average assets | 0.6352% | 2,989 |
| Noninterest expense to average assets | 3.1910% | 2,373 |
| Loan and lease loss provision to assets | 0.6629% | 363 |
| Net operating income to assets | 0.6557% | 4,038 |
| Return on assets (ROA) | 0.6557% | 4,199 |
| Pretax return on assets | 1.0833% | 3,161 |
| Return on Equity (ROE) | 5.6321% | 4,390 |
| Retained earnings to average equity (ytd only) | 4.7830% | 3,196 |
| Net charge-offs to loans | 0.7821% | 801 |
| Credit loss provision to net charge-offs | 92.2090% | 2,392 |
| Earnings coverage of net charge-offs (x) | 2.4290% | 3,710 |
| Efficiency ratio | 61.9419% | 5,180 |
| Assets per employee ($millions) | 5.9288% | 1,254 |
| Cash dividends to net income (ytd only)* | 15.0754% | 3,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1801% | 5,094 |
| Loan loss allowance to noncurrent loans | 313.6980% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.3503% | 5,434 |
| Noncurrent loans to loans | 0.3762% | 5,336 |
| Net loans and leases to total assets | 92.0138% | 18 |
| Net loans and leases to deposits | 106.8747% | 202 |
| Net loans and leases to core deposits | 219.0769% | 39 |
| Total domestic deposits to total assets | 86.0950% | 3,311 |
| Equity capital to assets | 11.6824% | 2,144 |
| Core capital (leverage) ratio | 11.6801% | 1,814 |
| Tier 1 risk-based capital ratio | 12.6080% | 5,426 |
| Total risk-based capital ratio | 13.7942% | 5,407 |
| Memoranda: | ||
| Average total assets | $607,016,670 | 1,107 |
| Average earning assets | $587,351,670 | 1,050 |
| Average equity | $70,666,670 | 1,022 |
| Average total loans | $557,961,670 | 744 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2035% | 597 |
| Cost of funding earning assets | 0.7409% | 1,916 |
| Net interest margin | 4.4626% | 723 |
| Noninterest income to average assets | 0.6094% | 3,087 |
| Noninterest expense to average assets | 3.1071% | 2,651 |
| Loan and lease loss provision to assets | 0.6583% | 363 |
| Net operating income to assets | 0.6993% | 3,689 |
| Return on assets (ROA) | 0.6993% | 3,833 |
| Pretax return on assets | 1.1553% | 2,742 |
| Return on Equity (ROE) | 6.0173% | 4,040 |
| Retained earnings to average equity (ytd only) | 6.0173% | 2,670 |
| Net charge-offs to loans | 0.7969% | 765 |
| Credit loss provision to net charge-offs | 90.4632% | 2,017 |
| Earnings coverage of net charge-offs (x) | 2.4923% | 3,017 |
| Efficiency ratio | 60.4433% | 5,526 |
| Assets per employee ($millions) | 6.0444% | 1,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2324% | 5,039 |
| Loan loss allowance to noncurrent loans | 289.0358% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.3878% | 5,428 |
| Noncurrent loans to loans | 0.4264% | 5,354 |
| Net loans and leases to total assets | 89.8302% | 39 |
| Net loans and leases to deposits | 104.3521% | 224 |
| Net loans and leases to core deposits | 212.7262% | 42 |
| Total domestic deposits to total assets | 86.0837% | 3,486 |
| Equity capital to assets | 11.7205% | 2,240 |
| Core capital (leverage) ratio | 11.7003% | 1,749 |
| Tier 1 risk-based capital ratio | 12.8877% | 5,307 |
| Total risk-based capital ratio | 14.1378% | 5,250 |
| Memoranda: | ||
| Average total assets | $605,193,000 | 1,117 |
| Average earning assets | $584,681,500 | 1,059 |
| Average equity | $70,330,000 | 1,035 |
| Average total loans | $552,640,000 | 753 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6059% | 502 |
| Cost of funding earning assets | 1.0578% | 1,083 |
| Net interest margin | 4.5481% | 864 |
| Noninterest income to average assets | 0.7472% | 2,513 |
| Noninterest expense to average assets | 3.2307% | 2,513 |
| Loan and lease loss provision to assets | 0.8573% | 543 |
| Net operating income to assets | 0.6204% | 4,143 |
| Return on assets (ROA) | 0.6204% | 4,402 |
| Pretax return on assets | 1.0251% | 3,457 |
| Return on Equity (ROE) | 5.3155% | 4,525 |
| Retained earnings to average equity (ytd only) | 5.3155% | 2,493 |
| Net charge-offs to loans | 1.0668% | 1,002 |
| Credit loss provision to net charge-offs | 89.2206% | 3,506 |
| Earnings coverage of net charge-offs (x) | 1.9591% | 4,441 |
| Efficiency ratio | 60.5046% | 5,465 |
| Assets per employee ($millions) | 6.6587% | 915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2385% | 4,939 |
| Loan loss allowance to noncurrent loans | 282.8947% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.4014% | 5,479 |
| Noncurrent loans to loans | 0.4378% | 5,405 |
| Net loans and leases to total assets | 90.5453% | 36 |
| Net loans and leases to deposits | 106.5573% | 215 |
| Net loans and leases to core deposits | 226.3789% | 48 |
| Total domestic deposits to total assets | 84.9733% | 3,874 |
| Equity capital to assets | 11.5219% | 2,424 |
| Core capital (leverage) ratio | 11.4557% | 1,905 |
| Tier 1 risk-based capital ratio | 12.9300% | 5,163 |
| Total risk-based capital ratio | 14.2002% | 5,084 |
| Memoranda: | ||
| Average total assets | $582,190,800 | 1,138 |
| Average earning assets | $558,872,000 | 1,087 |
| Average equity | $67,952,000 | 1,035 |
| Average total loans | $524,390,400 | 785 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6232% | 537 |
| Cost of funding earning assets | 1.1267% | 956 |
| Net interest margin | 4.4965% | 995 |
| Noninterest income to average assets | 0.7494% | 2,490 |
| Noninterest expense to average assets | 3.1981% | 2,575 |
| Loan and lease loss provision to assets | 0.8362% | 554 |
| Net operating income to assets | 0.6201% | 4,299 |
| Return on assets (ROA) | 0.6201% | 4,552 |
| Pretax return on assets | 1.0245% | 3,618 |
| Return on Equity (ROE) | 5.2948% | 4,690 |
| Retained earnings to average equity (ytd only) | 5.2948% | 3,161 |
| Net charge-offs to loans | 1.1565% | 867 |
| Credit loss provision to net charge-offs | 80.6516% | 3,598 |
| Earnings coverage of net charge-offs (x) | 1.7947% | 4,371 |
| Efficiency ratio | 60.4876% | 5,412 |
| Assets per employee ($millions) | 6.1521% | 1,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2358% | 5,114 |
| Loan loss allowance to noncurrent loans | 273.0499% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.4103% | 5,663 |
| Noncurrent loans to loans | 0.4526% | 5,543 |
| Net loans and leases to total assets | 89.5284% | 57 |
| Net loans and leases to deposits | 105.5363% | 243 |
| Net loans and leases to core deposits | 211.4258% | 51 |
| Total domestic deposits to total assets | 84.8318% | 3,824 |
| Equity capital to assets | 11.6672% | 2,573 |
| Core capital (leverage) ratio | 11.6043% | 1,911 |
| Tier 1 risk-based capital ratio | 13.2356% | 5,070 |
| Total risk-based capital ratio | 14.5095% | 5,015 |
| Memoranda: | ||
| Average total assets | $576,253,000 | 1,165 |
| Average earning assets | $552,265,250 | 1,112 |
| Average equity | $67,486,000 | 1,048 |
| Average total loans | $516,605,000 | 809 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6591% | 524 |
| Cost of funding earning assets | 1.2038% | 801 |
| Net interest margin | 4.4553% | 1,070 |
| Noninterest income to average assets | 0.7804% | 2,288 |
| Noninterest expense to average assets | 3.1634% | 2,713 |
| Loan and lease loss provision to assets | 0.8886% | 529 |
| Net operating income to assets | 0.5992% | 4,373 |
| Return on assets (ROA) | 0.5992% | 4,628 |
| Pretax return on assets | 0.9897% | 3,744 |
| Return on Equity (ROE) | 5.1095% | 4,756 |
| Retained earnings to average equity (ytd only) | 5.1095% | 3,219 |
| Net charge-offs to loans | 1.1717% | 925 |
| Credit loss provision to net charge-offs | 84.9164% | 3,187 |
| Earnings coverage of net charge-offs (x) | 1.7950% | 4,080 |
| Efficiency ratio | 59.9820% | 5,578 |
| Assets per employee ($millions) | 5.7701% | 1,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3813% | 4,533 |
| Loan loss allowance to noncurrent loans | 265.4587% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.4685% | 5,593 |
| Noncurrent loans to loans | 0.5204% | 5,484 |
| Net loans and leases to total assets | 88.7826% | 63 |
| Net loans and leases to deposits | 105.1604% | 252 |
| Net loans and leases to core deposits | 197.2331% | 54 |
| Total domestic deposits to total assets | 84.4259% | 4,125 |
| Equity capital to assets | 12.0087% | 2,139 |
| Core capital (leverage) ratio | 11.8531% | 1,680 |
| Tier 1 risk-based capital ratio | 13.6071% | 4,734 |
| Total risk-based capital ratio | 14.8794% | 4,690 |
| Memoranda: | ||
| Average total assets | $571,469,000 | 1,176 |
| Average earning assets | $546,589,670 | 1,119 |
| Average equity | $67,012,330 | 1,046 |
| Average total loans | $510,348,330 | 816 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7377% | 481 |
| Cost of funding earning assets | 1.2771% | 694 |
| Net interest margin | 4.4605% | 1,088 |
| Noninterest income to average assets | 0.7910% | 2,206 |
| Noninterest expense to average assets | 3.1960% | 2,610 |
| Loan and lease loss provision to assets | 0.8871% | 505 |
| Net operating income to assets | 0.5835% | 4,425 |
| Return on assets (ROA) | 0.5835% | 4,643 |
| Pretax return on assets | 0.9637% | 3,815 |
| Return on Equity (ROE) | 5.0356% | 4,773 |
| Retained earnings to average equity (ytd only) | 5.0356% | 3,541 |
| Net charge-offs to loans | 1.3143% | 773 |
| Credit loss provision to net charge-offs | 75.8785% | 2,803 |
| Earnings coverage of net charge-offs (x) | 1.5831% | 3,539 |
| Efficiency ratio | 60.5822% | 5,531 |
| Assets per employee ($millions) | 5.6805% | 1,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4085% | 4,576 |
| Loan loss allowance to noncurrent loans | 268.9210% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.4633% | 5,698 |
| Noncurrent loans to loans | 0.5238% | 5,616 |
| Net loans and leases to total assets | 87.2162% | 86 |
| Net loans and leases to deposits | 102.8982% | 283 |
| Net loans and leases to core deposits | 188.7097% | 58 |
| Total domestic deposits to total assets | 84.7597% | 4,137 |
| Equity capital to assets | 11.7915% | 2,191 |
| Core capital (leverage) ratio | 11.6420% | 1,807 |
| Tier 1 risk-based capital ratio | 13.6115% | 4,744 |
| Total risk-based capital ratio | 14.8772% | 4,717 |
| Memoranda: | ||
| Average total assets | $574,467,500 | 1,173 |
| Average earning assets | $548,097,000 | 1,108 |
| Average equity | $66,565,500 | 1,052 |
| Average total loans | $510,986,000 | 814 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8134% | 626 |
| Cost of funding earning assets | 1.5648% | 549 |
| Net interest margin | 4.2487% | 1,889 |
| Noninterest income to average assets | 1.2749% | 791 |
| Noninterest expense to average assets | 3.4007% | 2,240 |
| Loan and lease loss provision to assets | 0.8356% | 1,167 |
| Net operating income to assets | 0.6460% | 3,757 |
| Return on assets (ROA) | 0.6460% | 3,952 |
| Pretax return on assets | 1.0576% | 3,009 |
| Return on Equity (ROE) | 6.4429% | 3,674 |
| Retained earnings to average equity (ytd only) | 6.4429% | 1,776 |
| Net charge-offs to loans | 1.7323% | 873 |
| Credit loss provision to net charge-offs | 54.4123% | 5,311 |
| Earnings coverage of net charge-offs (x) | 1.2328% | 4,855 |
| Efficiency ratio | 61.6409% | 5,512 |
| Assets per employee ($millions) | 5.6397% | 1,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4405% | 4,282 |
| Loan loss allowance to noncurrent loans | 321.2967% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.4009% | 5,966 |
| Noncurrent loans to loans | 0.4483% | 5,809 |
| Net loans and leases to total assets | 88.1378% | 75 |
| Net loans and leases to deposits | 105.1177% | 274 |
| Net loans and leases to core deposits | 193.7337% | 65 |
| Total domestic deposits to total assets | 83.8468% | 4,384 |
| Equity capital to assets | 11.3877% | 2,606 |
| Core capital (leverage) ratio | 11.1718% | 2,143 |
| Tier 1 risk-based capital ratio | 13.1280% | 4,972 |
| Total risk-based capital ratio | 14.3920% | 4,938 |
| Memoranda: | ||
| Average total assets | $568,915,800 | 1,160 |
| Average earning assets | $538,167,200 | 1,108 |
| Average equity | $57,039,800 | 1,194 |
| Average total loans | $504,363,000 | 826 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8810% | 583 |
| Cost of funding earning assets | 1.6232% | 526 |
| Net interest margin | 4.2578% | 1,884 |
| Noninterest income to average assets | 1.2960% | 775 |
| Noninterest expense to average assets | 3.3983% | 2,191 |
| Loan and lease loss provision to assets | 0.7537% | 1,260 |
| Net operating income to assets | 0.7157% | 3,528 |
| Return on assets (ROA) | 0.7157% | 3,703 |
| Pretax return on assets | 1.1697% | 2,741 |
| Return on Equity (ROE) | 7.3966% | 3,333 |
| Retained earnings to average equity (ytd only) | 7.3966% | 1,777 |
| Net charge-offs to loans | 1.8141% | 733 |
| Credit loss provision to net charge-offs | 46.9681% | 5,103 |
| Earnings coverage of net charge-offs (x) | 1.1986% | 4,727 |
| Efficiency ratio | 61.2715% | 5,522 |
| Assets per employee ($millions) | 5.6470% | 1,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5148% | 4,026 |
| Loan loss allowance to noncurrent loans | 315.9934% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.4254% | 6,013 |
| Noncurrent loans to loans | 0.4794% | 5,889 |
| Net loans and leases to total assets | 87.3873% | 95 |
| Net loans and leases to deposits | 104.3222% | 305 |
| Net loans and leases to core deposits | 182.5418% | 78 |
| Total domestic deposits to total assets | 83.7668% | 4,339 |
| Equity capital to assets | 11.4861% | 2,695 |
| Core capital (leverage) ratio | 11.2328% | 2,208 |
| Tier 1 risk-based capital ratio | 13.3389% | 4,848 |
| Total risk-based capital ratio | 14.6070% | 4,803 |
| Memoranda: | ||
| Average total assets | $565,922,750 | 1,180 |
| Average earning assets | $535,065,500 | 1,128 |
| Average equity | $54,762,250 | 1,240 |
| Average total loans | $500,587,500 | 848 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9106% | 566 |
| Cost of funding earning assets | 1.6717% | 526 |
| Net interest margin | 4.2390% | 1,879 |
| Noninterest income to average assets | 1.2915% | 753 |
| Noninterest expense to average assets | 3.4285% | 2,189 |
| Loan and lease loss provision to assets | 0.6987% | 1,357 |
| Net operating income to assets | 0.7076% | 3,502 |
| Return on assets (ROA) | 0.7076% | 3,613 |
| Pretax return on assets | 1.1689% | 2,606 |
| Return on Equity (ROE) | 7.8039% | 3,039 |
| Retained earnings to average equity (ytd only) | 7.8039% | 1,529 |
| Net charge-offs to loans | 2.0347% | 657 |
| Credit loss provision to net charge-offs | 38.8648% | 4,837 |
| Earnings coverage of net charge-offs (x) | 1.0388% | 4,511 |
| Efficiency ratio | 62.1329% | 5,566 |
| Assets per employee ($millions) | 5.5282% | 1,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6201% | 3,620 |
| Loan loss allowance to noncurrent loans | 301.9253% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.4744% | 5,969 |
| Noncurrent loans to loans | 0.5366% | 5,841 |
| Net loans and leases to total assets | 86.9833% | 111 |
| Net loans and leases to deposits | 101.5029% | 422 |
| Net loans and leases to core deposits | 177.8836% | 89 |
| Total domestic deposits to total assets | 85.6954% | 3,496 |
| Equity capital to assets | 9.6006% | 4,657 |
| Core capital (leverage) ratio | 9.2644% | 4,306 |
| Tier 1 risk-based capital ratio | 11.0363% | 6,498 |
| Total risk-based capital ratio | 12.2966% | 6,476 |
| Memoranda: | ||
| Average total assets | $564,447,670 | 1,187 |
| Average earning assets | $533,242,330 | 1,142 |
| Average equity | $51,179,330 | 1,314 |
| Average total loans | $498,757,330 | 864 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9635% | 509 |
| Cost of funding earning assets | 1.6815% | 601 |
| Net interest margin | 4.2821% | 1,613 |
| Noninterest income to average assets | 1.2377% | 827 |
| Noninterest expense to average assets | 3.3635% | 2,371 |
| Loan and lease loss provision to assets | 1.0192% | 744 |
| Net operating income to assets | 0.5434% | 4,301 |
| Return on assets (ROA) | 0.5434% | 4,382 |
| Pretax return on assets | 0.8973% | 3,506 |
| Return on Equity (ROE) | 6.1721% | 3,803 |
| Retained earnings to average equity (ytd only) | 6.1721% | 2,540 |
| Net charge-offs to loans | 2.4959% | 464 |
| Credit loss provision to net charge-offs | 46.2276% | 3,831 |
| Earnings coverage of net charge-offs (x) | 0.8692% | 3,992 |
| Efficiency ratio | 61.1133% | 5,819 |
| Assets per employee ($millions) | 5.3701% | 1,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8769% | 2,770 |
| Loan loss allowance to noncurrent loans | 291.5796% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.5656% | 5,845 |
| Noncurrent loans to loans | 0.6437% | 5,743 |
| Net loans and leases to total assets | 86.2243% | 121 |
| Net loans and leases to deposits | 99.8712% | 473 |
| Net loans and leases to core deposits | 173.4955% | 101 |
| Total domestic deposits to total assets | 86.3355% | 3,319 |
| Equity capital to assets | 9.0145% | 5,185 |
| Core capital (leverage) ratio | 8.5165% | 5,421 |
| Tier 1 risk-based capital ratio | 10.1414% | 6,953 |
| Total risk-based capital ratio | 11.4000% | 6,952 |
| Memoranda: | ||
| Average total assets | $567,496,000 | 1,187 |
| Average earning assets | $535,724,500 | 1,141 |
| Average equity | $49,966,500 | 1,334 |
| Average total loans | $501,301,000 | 875 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5655% | 294 |
| Cost of funding earning assets | 1.9899% | 634 |
| Net interest margin | 4.5756% | 1,064 |
| Noninterest income to average assets | 1.3293% | 831 |
| Noninterest expense to average assets | 3.0131% | 3,795 |
| Loan and lease loss provision to assets | 2.0149% | 653 |
| Net operating income to assets | 0.3707% | 4,677 |
| Return on assets (ROA) | 0.3707% | 4,825 |
| Pretax return on assets | 0.6119% | 4,280 |
| Return on Equity (ROE) | 4.4192% | 4,334 |
| Retained earnings to average equity (ytd only) | 4.4192% | 2,760 |
| Net charge-offs to loans | 2.9059% | 587 |
| Credit loss provision to net charge-offs | 79.5135% | 5,577 |
| Earnings coverage of net charge-offs (x) | 1.0366% | 5,075 |
| Efficiency ratio | 51.1468% | 7,050 |
| Assets per employee ($millions) | 5.3380% | 1,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0573% | 2,164 |
| Loan loss allowance to noncurrent loans | 260.3214% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.7016% | 5,598 |
| Noncurrent loans to loans | 0.7903% | 5,459 |
| Net loans and leases to total assets | 86.9567% | 133 |
| Net loans and leases to deposits | 101.3354% | 515 |
| Net loans and leases to core deposits | 179.9818% | 109 |
| Total domestic deposits to total assets | 85.8108% | 3,448 |
| Equity capital to assets | 8.6015% | 5,720 |
| Core capital (leverage) ratio | 8.1215% | 5,966 |
| Tier 1 risk-based capital ratio | 9.8717% | 7,029 |
| Total risk-based capital ratio | 11.1343% | 7,023 |
| Memoranda: | ||
| Average total assets | $575,956,400 | 1,170 |
| Average earning assets | $542,597,400 | 1,117 |
| Average equity | $48,311,400 | 1,388 |
| Average total loans | $502,256,000 | 892 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6283% | 272 |
| Cost of funding earning assets | 2.0539% | 630 |
| Net interest margin | 4.5744% | 1,098 |
| Noninterest income to average assets | 1.3103% | 802 |
| Noninterest expense to average assets | 3.0317% | 3,639 |
| Loan and lease loss provision to assets | 2.0638% | 568 |
| Net operating income to assets | 0.3163% | 5,102 |
| Return on assets (ROA) | 0.3163% | 5,274 |
| Pretax return on assets | 0.5219% | 4,854 |
| Return on Equity (ROE) | 3.7950% | 4,876 |
| Retained earnings to average equity (ytd only) | 3.7950% | 3,789 |
| Net charge-offs to loans | 3.0482% | 500 |
| Credit loss provision to net charge-offs | 77.9926% | 5,194 |
| Earnings coverage of net charge-offs (x) | 0.9772% | 5,082 |
| Efficiency ratio | 51.7106% | 7,009 |
| Assets per employee ($millions) | 5.2811% | 1,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1169% | 1,962 |
| Loan loss allowance to noncurrent loans | 282.8860% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.6598% | 5,809 |
| Noncurrent loans to loans | 0.7483% | 5,710 |
| Net loans and leases to total assets | 86.2964% | 180 |
| Net loans and leases to deposits | 100.6700% | 611 |
| Net loans and leases to core deposits | 170.1229% | 121 |
| Total domestic deposits to total assets | 85.7221% | 3,235 |
| Equity capital to assets | 8.5717% | 6,191 |
| Core capital (leverage) ratio | 8.1509% | 6,120 |
| Tier 1 risk-based capital ratio | 9.9183% | 7,105 |
| Total risk-based capital ratio | 11.1903% | 7,086 |
| Memoranda: | ||
| Average total assets | $575,820,000 | 1,183 |
| Average earning assets | $542,167,250 | 1,130 |
| Average equity | $47,992,250 | 1,406 |
| Average total loans | $499,860,750 | 897 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6736% | 257 |
| Cost of funding earning assets | 2.1149% | 624 |
| Net interest margin | 4.5587% | 1,085 |
| Noninterest income to average assets | 1.3268% | 723 |
| Noninterest expense to average assets | 2.9943% | 3,735 |
| Loan and lease loss provision to assets | 2.1910% | 547 |
| Net operating income to assets | 0.2624% | 5,326 |
| Return on assets (ROA) | 0.2624% | 5,472 |
| Pretax return on assets | 0.4328% | 5,112 |
| Return on Equity (ROE) | 3.1787% | 5,141 |
| Retained earnings to average equity (ytd only) | 3.1787% | 4,086 |
| Net charge-offs to loans | 3.0084% | 522 |
| Credit loss provision to net charge-offs | 84.3284% | 4,584 |
| Earnings coverage of net charge-offs (x) | 1.0099% | 4,779 |
| Efficiency ratio | 51.0970% | 7,140 |
| Assets per employee ($millions) | 4.9797% | 2,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3483% | 1,514 |
| Loan loss allowance to noncurrent loans | 268.3771% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.7722% | 5,580 |
| Noncurrent loans to loans | 0.8750% | 5,519 |
| Net loans and leases to total assets | 86.1855% | 219 |
| Net loans and leases to deposits | 102.0004% | 596 |
| Net loans and leases to core deposits | 158.5763% | 173 |
| Total domestic deposits to total assets | 84.4952% | 3,873 |
| Equity capital to assets | 8.6555% | 5,937 |
| Core capital (leverage) ratio | 8.1166% | 6,092 |
| Tier 1 risk-based capital ratio | 9.8375% | 7,109 |
| Total risk-based capital ratio | 11.1098% | 7,080 |
| Memoranda: | ||
| Average total assets | $577,639,000 | 1,176 |
| Average earning assets | $543,753,000 | 1,132 |
| Average equity | $47,693,000 | 1,407 |
| Average total loans | $498,865,000 | 911 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5764% | 316 |
| Cost of funding earning assets | 2.1228% | 750 |
| Net interest margin | 4.4537% | 1,247 |
| Noninterest income to average assets | 1.3281% | 684 |
| Noninterest expense to average assets | 2.9667% | 3,796 |
| Loan and lease loss provision to assets | 2.1477% | 509 |
| Net operating income to assets | 0.2478% | 5,501 |
| Return on assets (ROA) | 0.2478% | 5,624 |
| Pretax return on assets | 0.4084% | 5,269 |
| Return on Equity (ROE) | 3.0716% | 5,305 |
| Retained earnings to average equity (ytd only) | 3.0716% | 4,294 |
| Net charge-offs to loans | 3.1901% | 467 |
| Credit loss provision to net charge-offs | 78.7765% | 3,907 |
| Earnings coverage of net charge-offs (x) | 0.9376% | 4,209 |
| Efficiency ratio | 51.5716% | 7,188 |
| Assets per employee ($millions) | 5.3295% | 1,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3501% | 1,495 |
| Loan loss allowance to noncurrent loans | 245.0566% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.8061% | 5,545 |
| Noncurrent loans to loans | 0.9590% | 5,421 |
| Net loans and leases to total assets | 82.0873% | 584 |
| Net loans and leases to deposits | 96.2465% | 1,078 |
| Net loans and leases to core deposits | 145.3637% | 275 |
| Total domestic deposits to total assets | 85.2886% | 3,517 |
| Equity capital to assets | 8.2359% | 6,385 |
| Core capital (leverage) ratio | 7.7060% | 6,618 |
| Tier 1 risk-based capital ratio | 9.7538% | 7,178 |
| Total risk-based capital ratio | 11.0193% | 7,168 |
| Memoranda: | ||
| Average total assets | $587,596,000 | 1,181 |
| Average earning assets | $553,430,000 | 1,128 |
| Average equity | $47,402,500 | 1,420 |
| Average total loans | $502,179,000 | 933 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7967% | 385 |
| Cost of funding earning assets | 2.6403% | 690 |
| Net interest margin | 4.1564% | 2,219 |
| Noninterest income to average assets | 1.3963% | 751 |
| Noninterest expense to average assets | 2.7566% | 5,139 |
| Loan and lease loss provision to assets | 2.8095% | 654 |
| Net operating income to assets | -0.1389% | 5,743 |
| Return on assets (ROA) | -0.1563% | 5,771 |
| Pretax return on assets | -0.2588% | 5,787 |
| Return on Equity (ROE) | -2.0205% | 5,862 |
| Retained earnings to average equity (ytd only) | -2.0205% | 5,523 |
| Net charge-offs to loans | 2.9460% | 728 |
| Credit loss provision to net charge-offs | 112.5517% | 4,877 |
| Earnings coverage of net charge-offs (x) | 1.0327% | 5,078 |
| Efficiency ratio | 49.9081% | 7,542 |
| Assets per employee ($millions) | 5.1677% | 1,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2975% | 1,489 |
| Loan loss allowance to noncurrent loans | 226.4756% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.8809% | 5,339 |
| Noncurrent loans to loans | 1.0145% | 5,286 |
| Net loans and leases to total assets | 84.8373% | 364 |
| Net loans and leases to deposits | 100.0627% | 896 |
| Net loans and leases to core deposits | 123.8709% | 1,646 |
| Total domestic deposits to total assets | 84.7841% | 3,662 |
| Equity capital to assets | 7.9023% | 6,668 |
| Core capital (leverage) ratio | 7.8696% | 6,358 |
| Tier 1 risk-based capital ratio | 9.7741% | 7,041 |
| Total risk-based capital ratio | 11.0392% | 7,016 |
| Memoranda: | ||
| Average total assets | $581,520,200 | 1,182 |
| Average earning assets | $550,987,800 | 1,144 |
| Average equity | $44,988,600 | 1,494 |
| Average total loans | $492,737,200 | 982 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7785% | 437 |
| Cost of funding earning assets | 2.7256% | 733 |
| Net interest margin | 4.0529% | 2,586 |
| Noninterest income to average assets | 1.3323% | 867 |
| Noninterest expense to average assets | 2.7483% | 5,114 |
| Loan and lease loss provision to assets | 2.8799% | 531 |
| Net operating income to assets | -0.2704% | 6,162 |
| Return on assets (ROA) | -0.2937% | 6,209 |
| Pretax return on assets | -0.4860% | 6,276 |
| Return on Equity (ROE) | -3.8175% | 6,323 |
| Retained earnings to average equity (ytd only) | -3.8175% | 6,082 |
| Net charge-offs to loans | 2.9710% | 566 |
| Credit loss provision to net charge-offs | 115.1336% | 4,410 |
| Earnings coverage of net charge-offs (x) | 0.9716% | 5,088 |
| Efficiency ratio | 51.3600% | 7,459 |
| Assets per employee ($millions) | 5.2096% | 1,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1962% | 1,427 |
| Loan loss allowance to noncurrent loans | 310.6877% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.6097% | 5,924 |
| Noncurrent loans to loans | 0.7069% | 5,888 |
| Net loans and leases to total assets | 84.3562% | 501 |
| Net loans and leases to deposits | 99.5691% | 1,146 |
| Net loans and leases to core deposits | 122.0591% | 2,066 |
| Total domestic deposits to total assets | 84.7212% | 3,358 |
| Equity capital to assets | 7.7662% | 7,071 |
| Core capital (leverage) ratio | 7.7657% | 6,649 |
| Tier 1 risk-based capital ratio | 9.6722% | 7,261 |
| Total risk-based capital ratio | 10.9378% | 7,203 |
| Memoranda: | ||
| Average total assets | $578,330,000 | 1,209 |
| Average earning assets | $548,862,750 | 1,159 |
| Average equity | $44,495,250 | 1,527 |
| Average total loans | $486,914,500 | 1,006 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7414% | 501 |
| Cost of funding earning assets | 2.8464% | 700 |
| Net interest margin | 3.8950% | 3,140 |
| Noninterest income to average assets | 1.3780% | 806 |
| Noninterest expense to average assets | 2.8346% | 4,809 |
| Loan and lease loss provision to assets | 3.2163% | 455 |
| Net operating income to assets | -0.5872% | 6,641 |
| Return on assets (ROA) | -0.6225% | 6,682 |
| Pretax return on assets | -1.0298% | 6,835 |
| Return on Equity (ROE) | -8.1178% | 6,895 |
| Retained earnings to average equity (ytd only) | -8.1178% | 6,679 |
| Net charge-offs to loans | 3.1814% | 509 |
| Credit loss provision to net charge-offs | 121.1010% | 3,828 |
| Earnings coverage of net charge-offs (x) | 0.8440% | 4,907 |
| Efficiency ratio | 54.0799% | 7,321 |
| Assets per employee ($millions) | 4.9493% | 2,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2985% | 1,102 |
| Loan loss allowance to noncurrent loans | 364.7613% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.5361% | 6,092 |
| Noncurrent loans to loans | 0.6301% | 5,986 |
| Net loans and leases to total assets | 82.4486% | 871 |
| Net loans and leases to deposits | 97.7587% | 1,559 |
| Net loans and leases to core deposits | 121.0837% | 2,268 |
| Total domestic deposits to total assets | 84.3389% | 3,577 |
| Equity capital to assets | 8.1218% | 6,607 |
| Core capital (leverage) ratio | 8.1215% | 6,122 |
| Tier 1 risk-based capital ratio | 10.3124% | 6,581 |
| Total risk-based capital ratio | 11.5775% | 6,501 |
| Memoranda: | ||
| Average total assets | $573,141,330 | 1,236 |
| Average earning assets | $544,189,670 | 1,190 |
| Average equity | $43,952,670 | 1,550 |
| Average total loans | $478,473,330 | 1,048 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6641% | 623 |
| Cost of funding earning assets | 2.9340% | 710 |
| Net interest margin | 3.7301% | 3,762 |
| Noninterest income to average assets | 1.3136% | 826 |
| Noninterest expense to average assets | 2.7362% | 4,846 |
| Loan and lease loss provision to assets | 3.6202% | 282 |
| Net operating income to assets | -0.9061% | 7,197 |
| Return on assets (ROA) | -0.9061% | 7,223 |
| Pretax return on assets | -1.4984% | 7,359 |
| Return on Equity (ROE) | -12.1617% | 7,484 |
| Retained earnings to average equity (ytd only) | -12.1617% | 7,276 |
| Net charge-offs to loans | 3.1105% | 411 |
| Credit loss provision to net charge-offs | 140.1495% | 2,907 |
| Earnings coverage of net charge-offs (x) | 0.8214% | 4,369 |
| Efficiency ratio | 54.5067% | 7,168 |
| Assets per employee ($millions) | 5.1155% | 1,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1619% | 1,124 |
| Loan loss allowance to noncurrent loans | 314.0302% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.5752% | 5,747 |
| Noncurrent loans to loans | 0.6884% | 5,685 |
| Net loans and leases to total assets | 81.1684% | 1,168 |
| Net loans and leases to deposits | 95.8020% | 1,980 |
| Net loans and leases to core deposits | 117.2046% | 2,664 |
| Total domestic deposits to total assets | 84.7251% | 3,341 |
| Equity capital to assets | 7.8669% | 6,988 |
| Core capital (leverage) ratio | 7.8669% | 6,671 |
| Tier 1 risk-based capital ratio | 9.9474% | 6,988 |
| Total risk-based capital ratio | 11.2101% | 6,875 |
| Memoranda: | ||
| Average total assets | $580,076,500 | 1,229 |
| Average earning assets | $551,192,000 | 1,180 |
| Average equity | $43,217,500 | 1,581 |
| Average total loans | $481,730,500 | 1,050 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9028% | 1,385 |
| Cost of funding earning assets | 3.4011% | 708 |
| Net interest margin | 3.5017% | 5,292 |
| Noninterest income to average assets | 2.5227% | 251 |
| Noninterest expense to average assets | 3.3601% | 2,796 |
| Loan and lease loss provision to assets | 0.2161% | 4,724 |
| Net operating income to assets | 1.4188% | 1,188 |
| Return on assets (ROA) | 1.4843% | 1,015 |
| Pretax return on assets | 2.4528% | 217 |
| Return on Equity (ROE) | 14.0700% | 1,091 |
| Retained earnings to average equity (ytd only) | 14.0700% | 117 |
| Net charge-offs to loans | 0.6386% | 1,931 |
| Credit loss provision to net charge-offs | 38.8146% | 6,462 |
| Earnings coverage of net charge-offs (x) | 4.6091% | 3,924 |
| Efficiency ratio | 56.2127% | 6,976 |
| Assets per employee ($millions) | 5.4845% | 1,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6759% | 1,979 |
| Loan loss allowance to noncurrent loans | 234.7653% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.5934% | 5,411 |
| Noncurrent loans to loans | 0.7139% | 5,254 |
| Net loans and leases to total assets | 81.7335% | 1,277 |
| Net loans and leases to deposits | 96.7830% | 2,317 |
| Net loans and leases to core deposits | 116.7827% | 3,028 |
| Total domestic deposits to total assets | 84.4502% | 3,103 |
| Equity capital to assets | 7.0510% | 7,710 |
| Core capital (leverage) ratio | 7.0513% | 7,653 |
| Tier 1 risk-based capital ratio | 8.7929% | 7,913 |
| Total risk-based capital ratio | 10.0488% | 7,965 |
| Memoranda: | ||
| Average total assets | $590,842,200 | 1,140 |
| Average earning assets | $574,344,200 | 1,076 |
| Average equity | $62,331,400 | 1,078 |
| Average total loans | $515,191,800 | 926 |