Home > First Bank > Performance and Condition Ratios
First Bank, Performance and Condition Ratios
| 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 | 4.1422% | 709 |
| Cost of funding earning assets | 0.0985% | 4,204 |
| Net interest margin | 4.0437% | 453 |
| Noninterest income to average assets | 0.3684% | 2,941 |
| Noninterest expense to average assets | 1.9192% | 3,656 |
| Loan and lease loss provision to assets | 0.6476% | 75 |
| Net operating income to assets | 1.1185% | 1,707 |
| Return on assets (ROA) | 1.1180% | 1,684 |
| Pretax return on assets | 1.4658% | 1,267 |
| Return on Equity (ROE) | 7.8057% | 3,070 |
| Retained earnings to average equity (ytd only) | 7.8057% | 1,687 |
| Net charge-offs to loans | 0.0103% | 1,602 |
| Credit loss provision to net charge-offs | 11,435.2941% | 51 |
| Earnings coverage of net charge-offs (x) | 373.2941% | 338 |
| Efficiency ratio | 46.6507% | 4,419 |
| Assets per employee ($millions) | 7.7008% | 1,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6790% | 4,365 |
| Loan loss allowance to noncurrent loans | 77.6810% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 0.5099% | 1,119 |
| Noncurrent loans to loans | 0.8741% | 972 |
| Net loans and leases to total assets | 57.9306% | 2,544 |
| Net loans and leases to deposits | 68.2588% | 2,368 |
| Net loans and leases to core deposits | 71.1484% | 2,406 |
| Total domestic deposits to total assets | 84.8691% | 3,510 |
| Equity capital to assets | 14.9380% | 410 |
| Core capital (leverage) ratio | 9.1973% | 3,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $600,366,333 | 1,492 |
| Average earning assets | $544,101,333 | 1,540 |
| Average equity | $85,988,667 | 1,097 |
| Average total loans | $330,361,667 | 1,597 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8808% | 955 |
| Cost of funding earning assets | 0.0985% | 4,149 |
| Net interest margin | 3.7823% | 655 |
| Noninterest income to average assets | 0.4797% | 2,237 |
| Noninterest expense to average assets | 1.8628% | 3,771 |
| Loan and lease loss provision to assets | 0.7679% | 57 |
| Net operating income to assets | 1.0171% | 1,802 |
| Return on assets (ROA) | 1.0166% | 1,797 |
| Pretax return on assets | 1.2850% | 1,551 |
| Return on Equity (ROE) | 7.2476% | 2,955 |
| Retained earnings to average equity (ytd only) | 7.2476% | 1,808 |
| Net charge-offs to loans | 0.0160% | 1,217 |
| Credit loss provision to net charge-offs | 8,976.9231% | 52 |
| Earnings coverage of net charge-offs (x) | 240.0769% | 380 |
| Efficiency ratio | 46.6062% | 4,466 |
| Assets per employee ($millions) | 7.7177% | 1,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4690% | 4,611 |
| Loan loss allowance to noncurrent loans | 44.8867% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 0.5645% | 1,062 |
| Noncurrent loans to loans | 1.0449% | 866 |
| Net loans and leases to total assets | 53.7745% | 2,787 |
| Net loans and leases to deposits | 62.6890% | 2,656 |
| Net loans and leases to core deposits | 65.2432% | 2,696 |
| Total domestic deposits to total assets | 85.7798% | 3,325 |
| Equity capital to assets | 14.1080% | 510 |
| Core capital (leverage) ratio | 8.6809% | 3,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $607,917,500 | 1,485 |
| Average earning assets | $552,360,500 | 1,525 |
| Average equity | $85,269,500 | 1,135 |
| Average total loans | $324,860,000 | 1,599 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4047% | 4,816 |
| Cost of funding earning assets | 0.0103% | 4,799 |
| Net interest margin | 0.3944% | 4,814 |
| Noninterest income to average assets | 0.0550% | 4,713 |
| Noninterest expense to average assets | 0.2389% | 4,827 |
| Loan and lease loss provision to assets | 0.0759% | 1,600 |
| Net operating income to assets | 0.0743% | 4,640 |
| Return on assets (ROA) | 0.0743% | 4,651 |
| Pretax return on assets | 0.0997% | 4,637 |
| Return on Equity (ROE) | 0.6959% | 4,634 |
| Retained earnings to average equity (ytd only) | 0.6959% | 4,333 |
| Net charge-offs to loans | -0.0006% | 3,237 |
| Credit loss provision to net charge-offs | -19,450.0000% | 4,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7529% | 3,608 |
| Assets per employee ($millions) | 7.6726% | 1,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1221% | 4,765 |
| Loan loss allowance to noncurrent loans | 10.1374% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 0.6363% | 1,031 |
| Noncurrent loans to loans | 1.2041% | 799 |
| Net loans and leases to total assets | 52.7805% | 2,978 |
| Net loans and leases to deposits | 61.4216% | 2,941 |
| Net loans and leases to core deposits | 63.8962% | 2,987 |
| Total domestic deposits to total assets | 85.9314% | 2,938 |
| Equity capital to assets | 13.9445% | 674 |
| Core capital (leverage) ratio | 9.7839% | 2,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $512,703,200 | 1,671 |
| Average earning assets | $467,261,200 | 1,696 |
| Average equity | $54,745,800 | 1,637 |
| Average total loans | $335,458,200 | 1,570 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5880% | 584 |
| Cost of funding earning assets | 0.2160% | 3,458 |
| Net interest margin | 4.3720% | 387 |
| Noninterest income to average assets | 0.9128% | 1,228 |
| Noninterest expense to average assets | 2.5421% | 1,993 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.8170% | 645 |
| Return on assets (ROA) | 1.8517% | 636 |
| Pretax return on assets | 2.4130% | 387 |
| Return on Equity (ROE) | 19.1561% | 497 |
| Retained earnings to average equity (ytd only) | 19.1561% | 161 |
| Net charge-offs to loans | -0.0012% | 3,141 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7614% | 4,043 |
| Assets per employee ($millions) | 6.1972% | 2,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0518% | 579 |
| Loan loss allowance to noncurrent loans | 186.6298% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.7212% | 1,021 |
| Noncurrent loans to loans | 1.0994% | 1,023 |
| Net loans and leases to total assets | 64.2509% | 1,737 |
| Net loans and leases to deposits | 71.6758% | 2,082 |
| Net loans and leases to core deposits | 75.5879% | 2,094 |
| Total domestic deposits to total assets | 89.6411% | 942 |
| Equity capital to assets | 10.0665% | 2,832 |
| Core capital (leverage) ratio | 10.0216% | 2,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $489,344,250 | 1,741 |
| Average earning assets | $447,530,000 | 1,769 |
| Average equity | $47,301,500 | 1,871 |
| Average total loans | $339,244,250 | 1,589 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6103% | 612 |
| Cost of funding earning assets | 0.2372% | 3,407 |
| Net interest margin | 4.3732% | 431 |
| Noninterest income to average assets | 0.8600% | 1,376 |
| Noninterest expense to average assets | 2.6071% | 1,831 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.8076% | 700 |
| Return on assets (ROA) | 1.8350% | 691 |
| Pretax return on assets | 2.3775% | 424 |
| Return on Equity (ROE) | 19.2580% | 517 |
| Retained earnings to average equity (ytd only) | 19.2580% | 177 |
| Net charge-offs to loans | -0.0047% | 3,414 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6693% | 3,967 |
| Assets per employee ($millions) | 6.2577% | 2,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0211% | 585 |
| Loan loss allowance to noncurrent loans | 157.7094% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 0.8458% | 924 |
| Noncurrent loans to loans | 1.2816% | 923 |
| Net loans and leases to total assets | 64.6619% | 1,871 |
| Net loans and leases to deposits | 71.6402% | 2,246 |
| Net loans and leases to core deposits | 75.9018% | 2,246 |
| Total domestic deposits to total assets | 90.2593% | 667 |
| Equity capital to assets | 9.4837% | 3,343 |
| Core capital (leverage) ratio | 9.8010% | 2,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $485,134,333 | 1,748 |
| Average earning assets | $453,720,000 | 1,749 |
| Average equity | $46,225,000 | 1,892 |
| Average total loans | $342,566,000 | 1,585 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7705% | 511 |
| Cost of funding earning assets | 0.2694% | 3,282 |
| Net interest margin | 4.5011% | 353 |
| Noninterest income to average assets | 0.8038% | 1,578 |
| Noninterest expense to average assets | 2.7428% | 1,507 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.8521% | 716 |
| Return on assets (ROA) | 1.8521% | 772 |
| Pretax return on assets | 2.3590% | 551 |
| Return on Equity (ROE) | 19.3897% | 579 |
| Retained earnings to average equity (ytd only) | 19.3897% | 293 |
| Net charge-offs to loans | -0.0046% | 3,365 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7610% | 3,812 |
| Assets per employee ($millions) | 6.1915% | 2,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9716% | 633 |
| Loan loss allowance to noncurrent loans | 137.8136% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 1.0316% | 789 |
| Noncurrent loans to loans | 1.4306% | 882 |
| Net loans and leases to total assets | 68.6864% | 1,446 |
| Net loans and leases to deposits | 75.9926% | 1,910 |
| Net loans and leases to core deposits | 80.9596% | 1,914 |
| Total domestic deposits to total assets | 90.3856% | 623 |
| Equity capital to assets | 9.3249% | 3,363 |
| Core capital (leverage) ratio | 10.1145% | 2,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $474,265,500 | 1,769 |
| Average earning assets | $452,866,500 | 1,735 |
| Average equity | $45,302,500 | 1,907 |
| Average total loans | $346,592,000 | 1,572 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0148% | 472 |
| Cost of funding earning assets | 0.6739% | 1,856 |
| Net interest margin | 4.3409% | 465 |
| Noninterest income to average assets | 0.6746% | 1,938 |
| Noninterest expense to average assets | 2.7561% | 2,049 |
| Loan and lease loss provision to assets | 0.2357% | 1,650 |
| Net operating income to assets | 1.4351% | 942 |
| Return on assets (ROA) | 1.4410% | 1,016 |
| Pretax return on assets | 1.8406% | 622 |
| Return on Equity (ROE) | 15.3364% | 585 |
| Retained earnings to average equity (ytd only) | 15.3364% | 141 |
| Net charge-offs to loans | 0.0504% | 2,072 |
| Credit loss provision to net charge-offs | 592.6136% | 1,113 |
| Earnings coverage of net charge-offs (x) | 52.0114% | 1,164 |
| Efficiency ratio | 57.1221% | 3,842 |
| Assets per employee ($millions) | 5.8914% | 2,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9269% | 681 |
| Loan loss allowance to noncurrent loans | 113.4577% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 1.3266% | 600 |
| Noncurrent loans to loans | 1.6983% | 751 |
| Net loans and leases to total assets | 74.7950% | 928 |
| Net loans and leases to deposits | 83.1753% | 1,526 |
| Net loans and leases to core deposits | 89.3507% | 1,578 |
| Total domestic deposits to total assets | 89.9245% | 595 |
| Equity capital to assets | 9.8202% | 3,296 |
| Core capital (leverage) ratio | 10.5213% | 2,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $442,469,400 | 1,730 |
| Average earning assets | $423,048,600 | 1,683 |
| Average equity | $41,574,400 | 1,965 |
| Average total loans | $349,016,400 | 1,513 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1148% | 487 |
| Cost of funding earning assets | 0.7919% | 1,541 |
| Net interest margin | 4.3229% | 557 |
| Noninterest income to average assets | 0.6578% | 1,956 |
| Noninterest expense to average assets | 2.6757% | 2,327 |
| Loan and lease loss provision to assets | 0.2252% | 1,801 |
| Net operating income to assets | 1.4392% | 1,013 |
| Return on assets (ROA) | 1.4471% | 1,093 |
| Pretax return on assets | 1.9014% | 630 |
| Return on Equity (ROE) | 15.5855% | 600 |
| Retained earnings to average equity (ytd only) | 15.5855% | 174 |
| Net charge-offs to loans | 0.0688% | 1,632 |
| Credit loss provision to net charge-offs | 411.1111% | 1,441 |
| Earnings coverage of net charge-offs (x) | 38.6444% | 1,390 |
| Efficiency ratio | 55.8349% | 3,937 |
| Assets per employee ($millions) | 5.7254% | 2,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7707% | 773 |
| Loan loss allowance to noncurrent loans | 96.9761% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 1.4595% | 597 |
| Noncurrent loans to loans | 1.8259% | 720 |
| Net loans and leases to total assets | 78.0724% | 823 |
| Net loans and leases to deposits | 86.5509% | 1,638 |
| Net loans and leases to core deposits | 91.7412% | 1,817 |
| Total domestic deposits to total assets | 90.2040% | 364 |
| Equity capital to assets | 9.4986% | 3,687 |
| Core capital (leverage) ratio | 10.0787% | 2,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $438,203,750 | 1,715 |
| Average earning assets | $419,090,500 | 1,677 |
| Average equity | $40,686,250 | 1,984 |
| Average total loans | $348,655,500 | 1,505 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3363% | 453 |
| Cost of funding earning assets | 0.9381% | 1,196 |
| Net interest margin | 4.3982% | 619 |
| Noninterest income to average assets | 0.5732% | 2,240 |
| Noninterest expense to average assets | 2.7303% | 2,291 |
| Loan and lease loss provision to assets | 0.3429% | 1,240 |
| Net operating income to assets | 1.3198% | 1,304 |
| Return on assets (ROA) | 1.3198% | 1,406 |
| Pretax return on assets | 1.7150% | 973 |
| Return on Equity (ROE) | 14.3310% | 822 |
| Retained earnings to average equity (ytd only) | 14.3310% | 255 |
| Net charge-offs to loans | 0.0704% | 1,544 |
| Credit loss provision to net charge-offs | 611.5702% | 1,093 |
| Earnings coverage of net charge-offs (x) | 36.7025% | 1,302 |
| Efficiency ratio | 57.0212% | 3,817 |
| Assets per employee ($millions) | 6.2304% | 2,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7821% | 685 |
| Loan loss allowance to noncurrent loans | 95.9723% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 1.5062% | 617 |
| Noncurrent loans to loans | 1.8569% | 748 |
| Net loans and leases to total assets | 76.7215% | 1,036 |
| Net loans and leases to deposits | 84.4394% | 1,950 |
| Net loans and leases to core deposits | 90.0192% | 2,071 |
| Total domestic deposits to total assets | 90.8599% | 184 |
| Equity capital to assets | 8.9287% | 4,147 |
| Core capital (leverage) ratio | 9.6475% | 3,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $431,593,667 | 1,708 |
| Average earning assets | $413,622,333 | 1,669 |
| Average equity | $39,746,000 | 2,010 |
| Average total loans | $343,526,000 | 1,503 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3128% | 541 |
| Cost of funding earning assets | 1.1828% | 818 |
| Net interest margin | 4.1301% | 1,074 |
| Noninterest income to average assets | 0.6400% | 1,861 |
| Noninterest expense to average assets | 2.8220% | 2,369 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4008% | 973 |
| Return on assets (ROA) | 1.4008% | 1,054 |
| Pretax return on assets | 1.7711% | 744 |
| Return on Equity (ROE) | 14.9543% | 551 |
| Retained earnings to average equity (ytd only) | 14.9543% | 194 |
| Net charge-offs to loans | 0.1466% | 869 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 15.0164% | 1,580 |
| Efficiency ratio | 61.4397% | 3,563 |
| Assets per employee ($millions) | 5.5121% | 2,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7515% | 782 |
| Loan loss allowance to noncurrent loans | 84.6527% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 1.6354% | 618 |
| Noncurrent loans to loans | 2.0691% | 668 |
| Net loans and leases to total assets | 77.1802% | 1,098 |
| Net loans and leases to deposits | 85.4962% | 2,059 |
| Net loans and leases to core deposits | 91.8259% | 2,182 |
| Total domestic deposits to total assets | 90.2733% | 247 |
| Equity capital to assets | 9.4303% | 4,288 |
| Core capital (leverage) ratio | 9.4500% | 4,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $413,750,000 | 1,726 |
| Average earning assets | $396,021,000 | 1,681 |
| Average equity | $38,758,000 | 2,033 |
| Average total loans | $332,784,000 | 1,513 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5468% | 519 |
| Cost of funding earning assets | 1.1405% | 1,192 |
| Net interest margin | 4.4062% | 884 |
| Noninterest income to average assets | 0.6358% | 2,069 |
| Noninterest expense to average assets | 2.8513% | 2,435 |
| Loan and lease loss provision to assets | 0.2874% | 597 |
| Net operating income to assets | 1.3060% | 1,667 |
| Return on assets (ROA) | 1.3945% | 1,431 |
| Pretax return on assets | 1.8085% | 917 |
| Return on Equity (ROE) | 15.6141% | 589 |
| Retained earnings to average equity (ytd only) | 15.6141% | 79 |
| Net charge-offs to loans | 0.2452% | 839 |
| Credit loss provision to net charge-offs | 143.8059% | 1,789 |
| Earnings coverage of net charge-offs (x) | 9.9272% | 2,614 |
| Efficiency ratio | 58.9707% | 3,837 |
| Assets per employee ($millions) | 5.7547% | 1,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7493% | 719 |
| Loan loss allowance to noncurrent loans | 209.6154% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.6975% | 1,853 |
| Noncurrent loans to loans | 0.8345% | 1,842 |
| Net loans and leases to total assets | 80.9131% | 676 |
| Net loans and leases to deposits | 89.7642% | 1,617 |
| Net loans and leases to core deposits | 97.6284% | 1,760 |
| Total domestic deposits to total assets | 90.1396% | 281 |
| Equity capital to assets | 9.3031% | 4,489 |
| Core capital (leverage) ratio | 9.1842% | 4,372 |
| Tier 1 risk-based capital ratio | 10.8431% | 4,911 |
| Total risk-based capital ratio | 12.0986% | 4,815 |
| Memoranda: | ||
| Average total assets | $391,818,600 | 1,764 |
| Average earning assets | $373,425,000 | 1,738 |
| Average equity | $34,994,000 | 2,139 |
| Average total loans | $319,286,800 | 1,529 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5366% | 558 |
| Cost of funding earning assets | 1.1121% | 1,302 |
| Net interest margin | 4.4245% | 894 |
| Noninterest income to average assets | 0.5789% | 2,312 |
| Noninterest expense to average assets | 2.8546% | 2,394 |
| Loan and lease loss provision to assets | 0.2821% | 534 |
| Net operating income to assets | 1.2693% | 1,952 |
| Return on assets (ROA) | 1.3886% | 1,572 |
| Pretax return on assets | 1.8055% | 1,079 |
| Return on Equity (ROE) | 15.7201% | 655 |
| Retained earnings to average equity (ytd only) | 15.7201% | 116 |
| Net charge-offs to loans | 0.2248% | 789 |
| Credit loss provision to net charge-offs | 154.4256% | 1,595 |
| Earnings coverage of net charge-offs (x) | 10.6027% | 2,488 |
| Efficiency ratio | 59.5807% | 3,712 |
| Assets per employee ($millions) | 5.2574% | 2,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7555% | 739 |
| Loan loss allowance to noncurrent loans | 179.3358% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.8514% | 1,607 |
| Noncurrent loans to loans | 0.9789% | 1,635 |
| Net loans and leases to total assets | 81.6867% | 604 |
| Net loans and leases to deposits | 90.5032% | 1,633 |
| Net loans and leases to core deposits | 97.8317% | 1,837 |
| Total domestic deposits to total assets | 90.2584% | 227 |
| Equity capital to assets | 9.1683% | 4,687 |
| Core capital (leverage) ratio | 8.9394% | 4,678 |
| Tier 1 risk-based capital ratio | 10.7486% | 5,002 |
| Total risk-based capital ratio | 12.0047% | 4,910 |
| Memoranda: | ||
| Average total assets | $387,627,500 | 1,790 |
| Average earning assets | $369,022,750 | 1,766 |
| Average equity | $34,239,750 | 2,194 |
| Average total loans | $314,987,750 | 1,555 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4337% | 636 |
| Cost of funding earning assets | 1.0542% | 1,479 |
| Net interest margin | 4.3794% | 980 |
| Noninterest income to average assets | 0.5531% | 2,373 |
| Noninterest expense to average assets | 2.8797% | 2,333 |
| Loan and lease loss provision to assets | 0.2784% | 526 |
| Net operating income to assets | 1.2282% | 2,043 |
| Return on assets (ROA) | 1.2282% | 2,103 |
| Pretax return on assets | 1.5681% | 1,644 |
| Return on Equity (ROE) | 14.0901% | 959 |
| Retained earnings to average equity (ytd only) | 14.0901% | 222 |
| Net charge-offs to loans | 0.2787% | 609 |
| Credit loss provision to net charge-offs | 123.8979% | 1,708 |
| Earnings coverage of net charge-offs (x) | 8.2181% | 2,434 |
| Efficiency ratio | 60.9310% | 3,588 |
| Assets per employee ($millions) | 5.4156% | 2,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7685% | 723 |
| Loan loss allowance to noncurrent loans | 242.0669% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.6106% | 2,197 |
| Noncurrent loans to loans | 0.7306% | 2,163 |
| Net loans and leases to total assets | 78.2387% | 1,176 |
| Net loans and leases to deposits | 86.2291% | 2,232 |
| Net loans and leases to core deposits | 92.8385% | 2,336 |
| Total domestic deposits to total assets | 90.7336% | 147 |
| Equity capital to assets | 8.7429% | 4,928 |
| Core capital (leverage) ratio | 8.8141% | 4,778 |
| Tier 1 risk-based capital ratio | 10.5175% | 5,100 |
| Total risk-based capital ratio | 11.7733% | 5,014 |
| Memoranda: | ||
| Average total assets | $383,649,000 | 1,809 |
| Average earning assets | $365,572,000 | 1,779 |
| Average equity | $33,442,000 | 2,226 |
| Average total loans | $309,243,000 | 1,578 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4393% | 578 |
| Cost of funding earning assets | 0.9937% | 1,590 |
| Net interest margin | 4.4455% | 818 |
| Noninterest income to average assets | 0.5961% | 2,064 |
| Noninterest expense to average assets | 2.9891% | 2,022 |
| Loan and lease loss provision to assets | 0.2602% | 548 |
| Net operating income to assets | 1.2903% | 1,734 |
| Return on assets (ROA) | 1.2903% | 1,775 |
| Pretax return on assets | 1.5783% | 1,526 |
| Return on Equity (ROE) | 14.8266% | 785 |
| Retained earnings to average equity (ytd only) | 14.8266% | 285 |
| Net charge-offs to loans | 0.5705% | 263 |
| Credit loss provision to net charge-offs | 56.2212% | 1,934 |
| Earnings coverage of net charge-offs (x) | 3.9724% | 2,359 |
| Efficiency ratio | 61.9174% | 3,544 |
| Assets per employee ($millions) | 5.2566% | 2,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7591% | 764 |
| Loan loss allowance to noncurrent loans | 180.5396% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.7727% | 1,827 |
| Noncurrent loans to loans | 0.9744% | 1,716 |
| Net loans and leases to total assets | 77.9067% | 1,170 |
| Net loans and leases to deposits | 85.8700% | 2,144 |
| Net loans and leases to core deposits | 92.6704% | 2,243 |
| Total domestic deposits to total assets | 90.7263% | 222 |
| Equity capital to assets | 8.7147% | 4,871 |
| Core capital (leverage) ratio | 8.9011% | 4,720 |
| Tier 1 risk-based capital ratio | 10.6231% | 5,144 |
| Total risk-based capital ratio | 11.8787% | 5,034 |
| Memoranda: | ||
| Average total assets | $375,094,500 | 1,855 |
| Average earning assets | $357,033,500 | 1,818 |
| Average equity | $32,644,000 | 2,269 |
| Average total loans | $304,268,000 | 1,615 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2484% | 636 |
| Cost of funding earning assets | 0.6607% | 2,316 |
| Net interest margin | 4.5877% | 622 |
| Noninterest income to average assets | 0.6408% | 2,094 |
| Noninterest expense to average assets | 2.7330% | 2,922 |
| Loan and lease loss provision to assets | 0.1496% | 1,420 |
| Net operating income to assets | 1.6330% | 804 |
| Return on assets (ROA) | 1.6294% | 810 |
| Pretax return on assets | 2.1229% | 417 |
| Return on Equity (ROE) | 20.1222% | 243 |
| Retained earnings to average equity (ytd only) | 20.1222% | 34 |
| Net charge-offs to loans | -0.0908% | 5,128 |
| Credit loss provision to net charge-offs | -203.8462% | 4,484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5501% | 4,569 |
| Assets per employee ($millions) | 5.0897% | 2,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8220% | 655 |
| Loan loss allowance to noncurrent loans | 158.2810% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 0.9556% | 1,431 |
| Noncurrent loans to loans | 1.1511% | 1,395 |
| Net loans and leases to total assets | 81.5067% | 729 |
| Net loans and leases to deposits | 90.7852% | 1,700 |
| Net loans and leases to core deposits | 96.5781% | 2,007 |
| Total domestic deposits to total assets | 89.7797% | 549 |
| Equity capital to assets | 8.6905% | 4,809 |
| Core capital (leverage) ratio | 8.7749% | 4,828 |
| Tier 1 risk-based capital ratio | 10.1213% | 5,272 |
| Total risk-based capital ratio | 11.3774% | 5,216 |
| Memoranda: | ||
| Average total assets | $354,230,000 | 1,905 |
| Average earning assets | $337,357,000 | 1,858 |
| Average equity | $28,684,800 | 2,417 |
| Average total loans | $286,389,200 | 1,657 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1804% | 651 |
| Cost of funding earning assets | 0.5933% | 2,521 |
| Net interest margin | 4.5872% | 617 |
| Noninterest income to average assets | 0.6591% | 2,028 |
| Noninterest expense to average assets | 2.7253% | 2,896 |
| Loan and lease loss provision to assets | 0.1633% | 1,166 |
| Net operating income to assets | 1.5797% | 1,000 |
| Return on assets (ROA) | 1.5749% | 1,012 |
| Pretax return on assets | 2.1356% | 446 |
| Return on Equity (ROE) | 19.8268% | 287 |
| Retained earnings to average equity (ytd only) | 19.8268% | 58 |
| Net charge-offs to loans | -0.0894% | 5,133 |
| Credit loss provision to net charge-offs | -227.5132% | 4,354 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1777% | 4,596 |
| Assets per employee ($millions) | 4.5852% | 2,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8332% | 673 |
| Loan loss allowance to noncurrent loans | 339.7849% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.5285% | 2,629 |
| Noncurrent loans to loans | 0.5395% | 2,764 |
| Net loans and leases to total assets | 80.4327% | 952 |
| Net loans and leases to deposits | 88.3891% | 2,103 |
| Net loans and leases to core deposits | 92.6443% | 2,424 |
| Total domestic deposits to total assets | 90.9984% | 221 |
| Equity capital to assets | 8.2936% | 5,037 |
| Core capital (leverage) ratio | 8.6233% | 5,014 |
| Tier 1 risk-based capital ratio | 10.0867% | 5,367 |
| Total risk-based capital ratio | 11.3431% | 5,303 |
| Memoranda: | ||
| Average total assets | $351,173,000 | 1,928 |
| Average earning assets | $334,635,750 | 1,882 |
| Average equity | $27,894,250 | 2,466 |
| Average total loans | $281,928,750 | 1,681 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0636% | 708 |
| Cost of funding earning assets | 0.5394% | 2,690 |
| Net interest margin | 4.5242% | 663 |
| Noninterest income to average assets | 0.7387% | 1,692 |
| Noninterest expense to average assets | 2.7626% | 2,791 |
| Loan and lease loss provision to assets | 0.1605% | 1,161 |
| Net operating income to assets | 1.5768% | 970 |
| Return on assets (ROA) | 1.5696% | 997 |
| Pretax return on assets | 2.1174% | 471 |
| Return on Equity (ROE) | 20.0623% | 262 |
| Retained earnings to average equity (ytd only) | 20.0623% | 67 |
| Net charge-offs to loans | -0.1244% | 5,219 |
| Credit loss provision to net charge-offs | -161.8497% | 4,156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7095% | 4,615 |
| Assets per employee ($millions) | 4.9255% | 2,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8348% | 704 |
| Loan loss allowance to noncurrent loans | 300.3462% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.5840% | 2,480 |
| Noncurrent loans to loans | 0.6109% | 2,583 |
| Net loans and leases to total assets | 78.5257% | 1,243 |
| Net loans and leases to deposits | 86.0220% | 2,307 |
| Net loans and leases to core deposits | 89.3102% | 2,622 |
| Total domestic deposits to total assets | 91.2857% | 190 |
| Equity capital to assets | 8.0339% | 5,215 |
| Core capital (leverage) ratio | 8.2055% | 5,258 |
| Tier 1 risk-based capital ratio | 10.0853% | 5,409 |
| Total risk-based capital ratio | 11.3421% | 5,337 |
| Memoranda: | ||
| Average total assets | $349,014,670 | 1,942 |
| Average earning assets | $332,570,670 | 1,897 |
| Average equity | $27,305,000 | 2,515 |
| Average total loans | $278,225,670 | 1,701 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9421% | 795 |
| Cost of funding earning assets | 0.4896% | 2,870 |
| Net interest margin | 4.4525% | 679 |
| Noninterest income to average assets | 0.8273% | 1,368 |
| Noninterest expense to average assets | 2.7544% | 2,861 |
| Loan and lease loss provision to assets | 0.2195% | 719 |
| Net operating income to assets | 1.5725% | 916 |
| Return on assets (ROA) | 1.5725% | 926 |
| Pretax return on assets | 2.0878% | 477 |
| Return on Equity (ROE) | 20.3804% | 226 |
| Retained earnings to average equity (ytd only) | 20.3804% | 97 |
| Net charge-offs to loans | -0.2410% | 5,407 |
| Credit loss provision to net charge-offs | -114.4578% | 3,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4168% | 4,756 |
| Assets per employee ($millions) | 4.8348% | 2,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8067% | 777 |
| Loan loss allowance to noncurrent loans | 229.6763% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.7540% | 2,063 |
| Noncurrent loans to loans | 0.7866% | 2,244 |
| Net loans and leases to total assets | 78.6589% | 1,135 |
| Net loans and leases to deposits | 85.9150% | 2,175 |
| Net loans and leases to core deposits | 89.2596% | 2,516 |
| Total domestic deposits to total assets | 91.5543% | 178 |
| Equity capital to assets | 7.7073% | 5,363 |
| Core capital (leverage) ratio | 8.2900% | 5,271 |
| Tier 1 risk-based capital ratio | 9.5474% | 5,552 |
| Total risk-based capital ratio | 10.8033% | 5,537 |
| Memoranda: | ||
| Average total assets | $346,205,000 | 1,966 |
| Average earning assets | $329,251,000 | 1,926 |
| Average equity | $26,712,000 | 2,571 |
| Average total loans | $275,496,500 | 1,716 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9339% | 740 |
| Cost of funding earning assets | 0.4396% | 2,876 |
| Net interest margin | 4.4943% | 614 |
| Noninterest income to average assets | 0.7130% | 1,905 |
| Noninterest expense to average assets | 2.8029% | 2,761 |
| Loan and lease loss provision to assets | 0.1867% | 1,138 |
| Net operating income to assets | 1.2743% | 1,290 |
| Return on assets (ROA) | 1.2776% | 1,305 |
| Pretax return on assets | 1.9916% | 502 |
| Return on Equity (ROE) | 16.6888% | 422 |
| Retained earnings to average equity (ytd only) | 16.6888% | 61 |
| Net charge-offs to loans | 0.0388% | 3,023 |
| Credit loss provision to net charge-offs | 611.4583% | 528 |
| Earnings coverage of net charge-offs (x) | 71.1771% | 844 |
| Efficiency ratio | 56.3275% | 4,734 |
| Assets per employee ($millions) | 5.2226% | 2,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7717% | 823 |
| Loan loss allowance to noncurrent loans | 226.2256% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.6525% | 2,368 |
| Noncurrent loans to loans | 0.7832% | 2,261 |
| Net loans and leases to total assets | 77.6249% | 1,332 |
| Net loans and leases to deposits | 84.8980% | 2,386 |
| Net loans and leases to core deposits | 88.2218% | 2,704 |
| Total domestic deposits to total assets | 91.4331% | 149 |
| Equity capital to assets | 7.7244% | 5,478 |
| Core capital (leverage) ratio | 7.9645% | 5,462 |
| Tier 1 risk-based capital ratio | 9.6969% | 5,583 |
| Total risk-based capital ratio | 10.9527% | 5,552 |
| Memoranda: | ||
| Average total assets | $314,426,800 | 2,092 |
| Average earning assets | $298,242,600 | 2,049 |
| Average equity | $24,070,000 | 2,744 |
| Average total loans | $247,130,000 | 1,834 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9109% | 743 |
| Cost of funding earning assets | 0.4248% | 2,931 |
| Net interest margin | 4.4861% | 621 |
| Noninterest income to average assets | 0.6780% | 2,096 |
| Noninterest expense to average assets | 2.8426% | 2,590 |
| Loan and lease loss provision to assets | 0.1947% | 984 |
| Net operating income to assets | 1.1598% | 1,844 |
| Return on assets (ROA) | 1.1643% | 1,873 |
| Pretax return on assets | 1.9015% | 685 |
| Return on Equity (ROE) | 15.2469% | 625 |
| Retained earnings to average equity (ytd only) | 15.2469% | 113 |
| Net charge-offs to loans | 0.0028% | 3,655 |
| Credit loss provision to net charge-offs | 9,000.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 965.2939% | 104 |
| Efficiency ratio | 57.6366% | 4,549 |
| Assets per employee ($millions) | 4.7717% | 2,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7897% | 868 |
| Loan loss allowance to noncurrent loans | 257.9178% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.5927% | 2,737 |
| Noncurrent loans to loans | 0.6939% | 2,627 |
| Net loans and leases to total assets | 80.7915% | 872 |
| Net loans and leases to deposits | 88.5725% | 1,978 |
| Net loans and leases to core deposits | 92.0648% | 2,432 |
| Total domestic deposits to total assets | 91.2151% | 140 |
| Equity capital to assets | 7.8397% | 5,558 |
| Core capital (leverage) ratio | 8.0113% | 5,511 |
| Tier 1 risk-based capital ratio | 9.4132% | 5,679 |
| Total risk-based capital ratio | 10.6695% | 5,661 |
| Memoranda: | ||
| Average total assets | $308,165,750 | 2,138 |
| Average earning assets | $292,212,500 | 2,096 |
| Average equity | $23,532,000 | 2,829 |
| Average total loans | $241,845,750 | 1,878 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7591% | 947 |
| Cost of funding earning assets | 0.4046% | 3,023 |
| Net interest margin | 4.3544% | 757 |
| Noninterest income to average assets | 0.6848% | 2,059 |
| Noninterest expense to average assets | 2.8424% | 2,608 |
| Loan and lease loss provision to assets | 0.1643% | 1,213 |
| Net operating income to assets | 1.1085% | 1,934 |
| Return on assets (ROA) | 1.1153% | 1,953 |
| Pretax return on assets | 1.8191% | 800 |
| Return on Equity (ROE) | 14.7428% | 702 |
| Retained earnings to average equity (ytd only) | 14.7428% | 152 |
| Net charge-offs to loans | -0.0307% | 4,966 |
| Credit loss provision to net charge-offs | -694.4444% | 4,747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0283% | 4,467 |
| Assets per employee ($millions) | 4.5512% | 3,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8313% | 831 |
| Loan loss allowance to noncurrent loans | 202.1333% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.7561% | 2,315 |
| Noncurrent loans to loans | 0.9060% | 2,160 |
| Net loans and leases to total assets | 78.7753% | 1,126 |
| Net loans and leases to deposits | 87.2948% | 2,070 |
| Net loans and leases to core deposits | 90.3086% | 2,488 |
| Total domestic deposits to total assets | 90.2405% | 450 |
| Equity capital to assets | 7.7888% | 5,600 |
| Core capital (leverage) ratio | 7.9090% | 5,565 |
| Tier 1 risk-based capital ratio | 9.7179% | 5,681 |
| Total risk-based capital ratio | 10.9752% | 5,655 |
| Memoranda: | ||
| Average total assets | $304,318,670 | 2,169 |
| Average earning assets | $288,670,670 | 2,121 |
| Average equity | $23,021,330 | 2,880 |
| Average total loans | $234,793,330 | 1,922 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6183% | 1,095 |
| Cost of funding earning assets | 0.3953% | 3,036 |
| Net interest margin | 4.2230% | 939 |
| Noninterest income to average assets | 0.6973% | 1,986 |
| Noninterest expense to average assets | 2.7561% | 2,937 |
| Loan and lease loss provision to assets | 0.1326% | 1,441 |
| Net operating income to assets | 1.1081% | 1,833 |
| Return on assets (ROA) | 1.1149% | 1,848 |
| Pretax return on assets | 1.8268% | 745 |
| Return on Equity (ROE) | 14.9647% | 651 |
| Retained earnings to average equity (ytd only) | 14.9647% | 234 |
| Net charge-offs to loans | 0.1667% | 978 |
| Credit loss provision to net charge-offs | 105.2632% | 1,515 |
| Earnings coverage of net charge-offs (x) | 15.4737% | 1,673 |
| Efficiency ratio | 58.5799% | 4,651 |
| Assets per employee ($millions) | 4.6844% | 2,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8026% | 954 |
| Loan loss allowance to noncurrent loans | 179.1352% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 0.8115% | 2,266 |
| Noncurrent loans to loans | 1.0063% | 2,041 |
| Net loans and leases to total assets | 76.3405% | 1,358 |
| Net loans and leases to deposits | 85.5364% | 2,089 |
| Net loans and leases to core deposits | 88.6225% | 2,485 |
| Total domestic deposits to total assets | 89.2491% | 1,028 |
| Equity capital to assets | 7.5343% | 5,671 |
| Core capital (leverage) ratio | 7.9149% | 5,591 |
| Tier 1 risk-based capital ratio | 9.7462% | 5,745 |
| Total risk-based capital ratio | 11.0028% | 5,731 |
| Memoranda: | ||
| Average total assets | $301,736,000 | 2,199 |
| Average earning assets | $286,339,500 | 2,154 |
| Average equity | $22,479,500 | 2,944 |
| Average total loans | $228,017,500 | 1,968 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6119% | 1,251 |
| Cost of funding earning assets | 0.4486% | 2,548 |
| Net interest margin | 4.1634% | 1,202 |
| Noninterest income to average assets | 1.2252% | 760 |
| Noninterest expense to average assets | 3.0160% | 2,303 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.3805% | 1,051 |
| Return on assets (ROA) | 1.3850% | 1,077 |
| Pretax return on assets | 2.1786% | 341 |
| Return on Equity (ROE) | 17.2133% | 383 |
| Retained earnings to average equity (ytd only) | 17.2133% | 69 |
| Net charge-offs to loans | 0.1341% | 1,903 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 22.2400% | 1,744 |
| Efficiency ratio | 58.1388% | 4,832 |
| Assets per employee ($millions) | 4.7458% | 2,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9433% | 736 |
| Loan loss allowance to noncurrent loans | 171.9242% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 0.8693% | 2,173 |
| Noncurrent loans to loans | 1.1303% | 1,819 |
| Net loans and leases to total assets | 71.9297% | 2,173 |
| Net loans and leases to deposits | 79.9544% | 2,894 |
| Net loans and leases to core deposits | 83.8221% | 3,041 |
| Total domestic deposits to total assets | 89.9634% | 644 |
| Equity capital to assets | 7.3642% | 5,743 |
| Core capital (leverage) ratio | 7.9661% | 5,633 |
| Tier 1 risk-based capital ratio | 10.0750% | 5,720 |
| Total risk-based capital ratio | 11.3327% | 5,666 |
| Memoranda: | ||
| Average total assets | $256,036,200 | 2,460 |
| Average earning assets | $243,671,400 | 2,409 |
| Average equity | $20,600,400 | 3,109 |
| Average total loans | $186,450,600 | 2,244 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6498% | 1,189 |
| Cost of funding earning assets | 0.4646% | 2,429 |
| Net interest margin | 4.1853% | 1,162 |
| Noninterest income to average assets | 1.2963% | 689 |
| Noninterest expense to average assets | 3.1857% | 1,815 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2749% | 1,364 |
| Return on assets (ROA) | 1.2811% | 1,452 |
| Pretax return on assets | 2.1013% | 465 |
| Return on Equity (ROE) | 15.5220% | 608 |
| Retained earnings to average equity (ytd only) | 15.5220% | 120 |
| Net charge-offs to loans | 0.2304% | 1,020 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 12.4934% | 2,383 |
| Efficiency ratio | 60.3667% | 4,487 |
| Assets per employee ($millions) | 4.5435% | 3,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0845% | 620 |
| Loan loss allowance to noncurrent loans | 175.0937% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 0.9604% | 2,155 |
| Noncurrent loans to loans | 1.1905% | 1,888 |
| Net loans and leases to total assets | 74.9360% | 1,713 |
| Net loans and leases to deposits | 83.2122% | 2,581 |
| Net loans and leases to core deposits | 88.4578% | 2,719 |
| Total domestic deposits to total assets | 90.0541% | 465 |
| Equity capital to assets | 8.2129% | 5,666 |
| Core capital (leverage) ratio | 8.3787% | 5,440 |
| Tier 1 risk-based capital ratio | 10.9689% | 5,386 |
| Total risk-based capital ratio | 12.2301% | 5,295 |
| Memoranda: | ||
| Average total assets | $245,299,000 | 2,552 |
| Average earning assets | $233,321,000 | 2,495 |
| Average equity | $20,246,000 | 3,167 |
| Average total loans | $178,233,000 | 2,331 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6529% | 1,159 |
| Cost of funding earning assets | 0.4772% | 2,297 |
| Net interest margin | 4.1758% | 1,167 |
| Noninterest income to average assets | 1.4280% | 567 |
| Noninterest expense to average assets | 3.2338% | 1,734 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3205% | 1,222 |
| Return on assets (ROA) | 1.3301% | 1,290 |
| Pretax return on assets | 2.1821% | 390 |
| Return on Equity (ROE) | 16.0867% | 533 |
| Retained earnings to average equity (ytd only) | 16.0867% | 116 |
| Net charge-offs to loans | 0.3415% | 689 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 8.9072% | 2,471 |
| Efficiency ratio | 59.8762% | 4,660 |
| Assets per employee ($millions) | 4.4187% | 3,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3144% | 455 |
| Loan loss allowance to noncurrent loans | 157.0313% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 1.3320% | 1,507 |
| Noncurrent loans to loans | 1.4739% | 1,491 |
| Net loans and leases to total assets | 73.3079% | 1,959 |
| Net loans and leases to deposits | 81.9253% | 2,718 |
| Net loans and leases to core deposits | 86.5118% | 2,855 |
| Total domestic deposits to total assets | 89.4814% | 693 |
| Equity capital to assets | 8.5678% | 5,559 |
| Core capital (leverage) ratio | 8.5298% | 5,339 |
| Tier 1 risk-based capital ratio | 10.9261% | 5,461 |
| Total risk-based capital ratio | 12.1889% | 5,378 |
| Memoranda: | ||
| Average total assets | $239,223,670 | 2,604 |
| Average earning assets | $227,598,000 | 2,558 |
| Average equity | $19,780,330 | 3,223 |
| Average total loans | $170,417,670 | 2,408 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5708% | 1,340 |
| Cost of funding earning assets | 0.4867% | 2,209 |
| Net interest margin | 4.0841% | 1,388 |
| Noninterest income to average assets | 1.3703% | 590 |
| Noninterest expense to average assets | 3.3288% | 1,531 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1697% | 1,646 |
| Return on assets (ROA) | 1.1697% | 1,753 |
| Pretax return on assets | 1.9164% | 667 |
| Return on Equity (ROE) | 14.4137% | 760 |
| Retained earnings to average equity (ytd only) | 14.4137% | 288 |
| Net charge-offs to loans | 0.6227% | 356 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 4.4414% | 2,435 |
| Efficiency ratio | 63.4640% | 4,224 |
| Assets per employee ($millions) | 4.5454% | 2,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5355% | 375 |
| Loan loss allowance to noncurrent loans | 153.8128% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 1.6952% | 1,145 |
| Noncurrent loans to loans | 1.6485% | 1,376 |
| Net loans and leases to total assets | 66.6517% | 2,865 |
| Net loans and leases to deposits | 74.2797% | 3,403 |
| Net loans and leases to core deposits | 78.2728% | 3,470 |
| Total domestic deposits to total assets | 89.7308% | 715 |
| Equity capital to assets | 8.0639% | 5,799 |
| Core capital (leverage) ratio | 8.4357% | 5,453 |
| Tier 1 risk-based capital ratio | 11.0975% | 5,455 |
| Total risk-based capital ratio | 12.3619% | 5,357 |
| Memoranda: | ||
| Average total assets | $237,322,000 | 2,634 |
| Average earning assets | $225,167,500 | 2,585 |
| Average equity | $19,259,500 | 3,276 |
| Average total loans | $164,437,000 | 2,472 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6747% | 1,166 |
| Cost of funding earning assets | 0.5954% | 1,393 |
| Net interest margin | 4.0794% | 1,462 |
| Noninterest income to average assets | 1.2293% | 789 |
| Noninterest expense to average assets | 3.1393% | 2,121 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2421% | 1,410 |
| Return on assets (ROA) | 1.2421% | 1,465 |
| Pretax return on assets | 1.9662% | 575 |
| Return on Equity (ROE) | 15.1072% | 669 |
| Retained earnings to average equity (ytd only) | 15.1072% | 131 |
| Net charge-offs to loans | -0.4932% | 6,082 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4879% | 4,689 |
| Assets per employee ($millions) | 4.4940% | 3,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8021% | 279 |
| Loan loss allowance to noncurrent loans | 145.2672% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 2.1030% | 818 |
| Noncurrent loans to loans | 1.9290% | 1,104 |
| Net loans and leases to total assets | 68.2869% | 2,659 |
| Net loans and leases to deposits | 76.4076% | 3,204 |
| Net loans and leases to core deposits | 80.4486% | 3,299 |
| Total domestic deposits to total assets | 89.3718% | 926 |
| Equity capital to assets | 8.1704% | 5,775 |
| Core capital (leverage) ratio | 8.5229% | 5,399 |
| Tier 1 risk-based capital ratio | 11.3573% | 5,341 |
| Total risk-based capital ratio | 12.6250% | 5,222 |
| Memoranda: | ||
| Average total assets | $211,419,400 | 2,831 |
| Average earning assets | $200,888,800 | 2,768 |
| Average equity | $17,382,400 | 3,482 |
| Average total loans | $149,830,600 | 2,599 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6768% | 1,141 |
| Cost of funding earning assets | 0.6239% | 1,250 |
| Net interest margin | 4.0529% | 1,549 |
| Noninterest income to average assets | 1.1917% | 855 |
| Noninterest expense to average assets | 3.1417% | 2,111 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1589% | 1,803 |
| Return on assets (ROA) | 1.1589% | 1,869 |
| Pretax return on assets | 1.8997% | 719 |
| Return on Equity (ROE) | 14.0710% | 887 |
| Retained earnings to average equity (ytd only) | 14.0710% | 204 |
| Net charge-offs to loans | -0.0218% | 5,232 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3179% | 4,522 |
| Assets per employee ($millions) | 4.2274% | 3,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4603% | 458 |
| Loan loss allowance to noncurrent loans | 87.8557% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 2.8131% | 567 |
| Noncurrent loans to loans | 2.8004% | 665 |
| Net loans and leases to total assets | 69.8402% | 2,411 |
| Net loans and leases to deposits | 78.6860% | 3,020 |
| Net loans and leases to core deposits | 83.0889% | 3,146 |
| Total domestic deposits to total assets | 88.7581% | 1,150 |
| Equity capital to assets | 8.3954% | 5,767 |
| Core capital (leverage) ratio | 8.5132% | 5,543 |
| Tier 1 risk-based capital ratio | 11.3296% | 5,478 |
| Total risk-based capital ratio | 12.5932% | 5,377 |
| Memoranda: | ||
| Average total assets | $206,976,250 | 2,901 |
| Average earning assets | $196,596,250 | 2,837 |
| Average equity | $17,046,500 | 3,554 |
| Average total loans | $147,033,250 | 2,645 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6970% | 1,070 |
| Cost of funding earning assets | 0.6476% | 1,121 |
| Net interest margin | 4.0494% | 1,498 |
| Noninterest income to average assets | 0.7761% | 1,894 |
| Noninterest expense to average assets | 3.0357% | 2,439 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9691% | 2,541 |
| Return on assets (ROA) | 0.9691% | 2,651 |
| Pretax return on assets | 1.5884% | 1,364 |
| Return on Equity (ROE) | 11.8476% | 1,420 |
| Retained earnings to average equity (ytd only) | 11.8476% | 408 |
| Net charge-offs to loans | -0.0152% | 5,067 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6495% | 4,077 |
| Assets per employee ($millions) | 4.1618% | 3,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5870% | 438 |
| Loan loss allowance to noncurrent loans | 52.7975% | 4,909 |
| Noncurrent assets plus other real estate owned to assets | 3.8786% | 349 |
| Noncurrent loans to loans | 4.8999% | 240 |
| Net loans and leases to total assets | 68.4734% | 2,572 |
| Net loans and leases to deposits | 77.1666% | 3,137 |
| Net loans and leases to core deposits | 81.2867% | 3,253 |
| Total domestic deposits to total assets | 88.7346% | 1,277 |
| Equity capital to assets | 8.1615% | 5,907 |
| Core capital (leverage) ratio | 8.3960% | 5,642 |
| Tier 1 risk-based capital ratio | 12.0235% | 5,132 |
| Total risk-based capital ratio | 13.2907% | 5,020 |
| Memoranda: | ||
| Average total assets | $204,103,330 | 2,954 |
| Average earning assets | $193,954,000 | 2,887 |
| Average equity | $16,695,330 | 3,611 |
| Average total loans | $144,587,670 | 2,689 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6605% | 1,108 |
| Cost of funding earning assets | 0.6795% | 950 |
| Net interest margin | 3.9810% | 1,618 |
| Noninterest income to average assets | 0.7164% | 2,088 |
| Noninterest expense to average assets | 3.0498% | 2,426 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8827% | 2,831 |
| Return on assets (ROA) | 0.8827% | 2,959 |
| Pretax return on assets | 1.4467% | 1,731 |
| Return on Equity (ROE) | 10.7785% | 1,704 |
| Retained earnings to average equity (ytd only) | 10.7785% | 757 |
| Net charge-offs to loans | -0.0529% | 5,548 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8257% | 3,856 |
| Assets per employee ($millions) | 4.5254% | 3,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6438% | 435 |
| Loan loss allowance to noncurrent loans | 83.7456% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 2.6690% | 763 |
| Noncurrent loans to loans | 3.1569% | 651 |
| Net loans and leases to total assets | 67.0803% | 2,597 |
| Net loans and leases to deposits | 75.7648% | 3,082 |
| Net loans and leases to core deposits | 79.7832% | 3,193 |
| Total domestic deposits to total assets | 88.5376% | 1,528 |
| Equity capital to assets | 8.1315% | 5,974 |
| Core capital (leverage) ratio | 8.3048% | 5,724 |
| Tier 1 risk-based capital ratio | 11.8554% | 5,332 |
| Total risk-based capital ratio | 13.1226% | 5,216 |
| Memoranda: | ||
| Average total assets | $202,111,000 | 2,989 |
| Average earning assets | $191,910,000 | 2,927 |
| Average equity | $16,551,500 | 3,659 |
| Average total loans | $143,747,000 | 2,708 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0741% | 669 |
| Cost of funding earning assets | 0.8314% | 561 |
| Net interest margin | 4.2427% | 1,183 |
| Noninterest income to average assets | 0.6279% | 2,694 |
| Noninterest expense to average assets | 2.9891% | 2,874 |
| Loan and lease loss provision to assets | 0.1088% | 2,339 |
| Net operating income to assets | 1.0562% | 2,141 |
| Return on assets (ROA) | 1.0580% | 2,193 |
| Pretax return on assets | 1.5260% | 1,454 |
| Return on Equity (ROE) | 13.6581% | 1,004 |
| Retained earnings to average equity (ytd only) | 13.6581% | 196 |
| Net charge-offs to loans | -0.5689% | 6,408 |
| Credit loss provision to net charge-offs | -26.1577% | 5,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6800% | 4,464 |
| Assets per employee ($millions) | 4.1714% | 3,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6190% | 474 |
| Loan loss allowance to noncurrent loans | 89.1120% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 2.8201% | 755 |
| Noncurrent loans to loans | 2.9390% | 774 |
| Net loans and leases to total assets | 71.5565% | 1,982 |
| Net loans and leases to deposits | 80.8658% | 2,615 |
| Net loans and leases to core deposits | 85.2428% | 2,759 |
| Total domestic deposits to total assets | 88.4879% | 1,530 |
| Equity capital to assets | 8.2507% | 5,932 |
| Core capital (leverage) ratio | 8.3378% | 5,739 |
| Tier 1 risk-based capital ratio | 11.7848% | 5,498 |
| Total risk-based capital ratio | 13.0528% | 5,399 |
| Memoranda: | ||
| Average total assets | $192,065,200 | 3,084 |
| Average earning assets | $180,781,400 | 3,031 |
| Average equity | $14,877,600 | 3,863 |
| Average total loans | $140,452,600 | 2,708 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1212% | 613 |
| Cost of funding earning assets | 0.8686% | 493 |
| Net interest margin | 4.2525% | 1,149 |
| Noninterest income to average assets | 0.6064% | 2,828 |
| Noninterest expense to average assets | 2.9950% | 2,812 |
| Loan and lease loss provision to assets | 0.1458% | 1,715 |
| Net operating income to assets | 1.0456% | 2,250 |
| Return on assets (ROA) | 1.0481% | 2,302 |
| Pretax return on assets | 1.4661% | 1,749 |
| Return on Equity (ROE) | 13.7609% | 1,038 |
| Retained earnings to average equity (ytd only) | 13.7609% | 264 |
| Net charge-offs to loans | -0.7233% | 6,498 |
| Credit loss provision to net charge-offs | -27.6090% | 5,299 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0599% | 4,361 |
| Assets per employee ($millions) | 4.1445% | 3,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6433% | 534 |
| Loan loss allowance to noncurrent loans | 183.4317% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 1.7824% | 1,678 |
| Noncurrent loans to loans | 1.4410% | 2,264 |
| Net loans and leases to total assets | 70.5478% | 2,103 |
| Net loans and leases to deposits | 79.7257% | 2,734 |
| Net loans and leases to core deposits | 84.1009% | 2,869 |
| Total domestic deposits to total assets | 88.4881% | 1,507 |
| Equity capital to assets | 7.9506% | 6,160 |
| Core capital (leverage) ratio | 8.3730% | 5,786 |
| Tier 1 risk-based capital ratio | 11.5634% | 5,759 |
| Total risk-based capital ratio | 12.8259% | 5,671 |
| Memoranda: | ||
| Average total assets | $191,067,750 | 3,120 |
| Average earning assets | $179,590,500 | 3,065 |
| Average equity | $14,553,000 | 3,942 |
| Average total loans | $139,550,000 | 2,740 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1630% | 536 |
| Cost of funding earning assets | 0.9023% | 426 |
| Net interest margin | 4.2607% | 1,108 |
| Noninterest income to average assets | 0.6606% | 2,483 |
| Noninterest expense to average assets | 3.0185% | 2,762 |
| Loan and lease loss provision to assets | 0.2202% | 1,055 |
| Net operating income to assets | 1.0560% | 2,102 |
| Return on assets (ROA) | 1.0599% | 2,158 |
| Pretax return on assets | 1.4223% | 1,811 |
| Return on Equity (ROE) | 14.1276% | 931 |
| Retained earnings to average equity (ytd only) | 14.1276% | 257 |
| Net charge-offs to loans | 0.3813% | 1,057 |
| Credit loss provision to net charge-offs | 78.8679% | 2,347 |
| Earnings coverage of net charge-offs (x) | 5.8642% | 2,858 |
| Efficiency ratio | 64.8337% | 4,562 |
| Assets per employee ($millions) | 4.3180% | 3,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9479% | 1,462 |
| Loan loss allowance to noncurrent loans | 691.3265% | 700 |
| Noncurrent assets plus other real estate owned to assets | 1.2121% | 2,663 |
| Noncurrent loans to loans | 0.2818% | 5,173 |
| Net loans and leases to total assets | 71.8002% | 1,778 |
| Net loans and leases to deposits | 81.4254% | 2,325 |
| Net loans and leases to core deposits | 85.0919% | 2,600 |
| Total domestic deposits to total assets | 88.1791% | 1,807 |
| Equity capital to assets | 7.8781% | 6,222 |
| Core capital (leverage) ratio | 8.0453% | 6,062 |
| Tier 1 risk-based capital ratio | 11.1594% | 5,983 |
| Total risk-based capital ratio | 12.4185% | 5,915 |
| Memoranda: | ||
| Average total assets | $189,827,000 | 3,154 |
| Average earning assets | $177,998,330 | 3,102 |
| Average equity | $14,241,670 | 4,000 |
| Average total loans | $139,016,330 | 2,747 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1016% | 593 |
| Cost of funding earning assets | 0.9443% | 350 |
| Net interest margin | 4.1573% | 1,325 |
| Noninterest income to average assets | 0.4912% | 3,483 |
| Noninterest expense to average assets | 3.0694% | 2,625 |
| Loan and lease loss provision to assets | 0.2530% | 850 |
| Net operating income to assets | 0.8612% | 2,847 |
| Return on assets (ROA) | 0.8749% | 2,839 |
| Pretax return on assets | 1.0836% | 2,985 |
| Return on Equity (ROE) | 11.9609% | 1,418 |
| Retained earnings to average equity (ytd only) | 11.9609% | 612 |
| Net charge-offs to loans | 0.1295% | 1,939 |
| Credit loss provision to net charge-offs | 266.6667% | 859 |
| Earnings coverage of net charge-offs (x) | 13.9111% | 1,639 |
| Efficiency ratio | 69.9328% | 3,847 |
| Assets per employee ($millions) | 4.3607% | 3,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0203% | 1,480 |
| Loan loss allowance to noncurrent loans | 228.3990% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 1.3488% | 2,618 |
| Noncurrent loans to loans | 0.8845% | 3,668 |
| Net loans and leases to total assets | 71.7600% | 1,611 |
| Net loans and leases to deposits | 80.1255% | 2,276 |
| Net loans and leases to core deposits | 83.6773% | 2,553 |
| Total domestic deposits to total assets | 89.5596% | 1,337 |
| Equity capital to assets | 7.3967% | 6,345 |
| Core capital (leverage) ratio | 7.7530% | 6,243 |
| Tier 1 risk-based capital ratio | 10.9576% | 6,170 |
| Total risk-based capital ratio | 12.2188% | 6,117 |
| Memoranda: | ||
| Average total assets | $189,743,500 | 3,173 |
| Average earning assets | $177,904,000 | 3,127 |
| Average equity | $13,878,500 | 4,065 |
| Average total loans | $138,961,500 | 2,753 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0655% | 808 |
| Cost of funding earning assets | 1.0118% | 418 |
| Net interest margin | 4.0537% | 1,788 |
| Noninterest income to average assets | 0.4618% | 4,014 |
| Noninterest expense to average assets | 3.0566% | 2,879 |
| Loan and lease loss provision to assets | 0.2808% | 1,229 |
| Net operating income to assets | 0.9131% | 2,716 |
| Return on assets (ROA) | 0.9446% | 2,662 |
| Pretax return on assets | 0.9446% | 3,584 |
| Return on Equity (ROE) | 13.0218% | 1,163 |
| Retained earnings to average equity (ytd only) | 13.0218% | 244 |
| Net charge-offs to loans | 0.7376% | 868 |
| Credit loss provision to net charge-offs | 51.9388% | 3,766 |
| Earnings coverage of net charge-offs (x) | 2.2082% | 4,288 |
| Efficiency ratio | 71.9107% | 3,496 |
| Assets per employee ($millions) | 4.5760% | 2,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0124% | 1,517 |
| Loan loss allowance to noncurrent loans | 268.1862% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 1.4386% | 2,585 |
| Noncurrent loans to loans | 0.7504% | 4,089 |
| Net loans and leases to total assets | 71.7595% | 1,723 |
| Net loans and leases to deposits | 81.5765% | 2,241 |
| Net loans and leases to core deposits | 85.8295% | 2,464 |
| Total domestic deposits to total assets | 87.9659% | 2,195 |
| Equity capital to assets | 7.2302% | 6,389 |
| Core capital (leverage) ratio | 7.6302% | 6,329 |
| Tier 1 risk-based capital ratio | 10.8036% | 6,263 |
| Total risk-based capital ratio | 12.0635% | 6,207 |
| Memoranda: | ||
| Average total assets | $181,244,600 | 3,262 |
| Average earning assets | $169,402,200 | 3,227 |
| Average equity | $13,147,200 | 4,233 |
| Average total loans | $132,857,000 | 2,807 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0227% | 900 |
| Cost of funding earning assets | 1.0107% | 464 |
| Net interest margin | 4.0119% | 1,903 |
| Noninterest income to average assets | 0.5373% | 3,538 |
| Noninterest expense to average assets | 3.0814% | 2,720 |
| Loan and lease loss provision to assets | 0.3607% | 880 |
| Net operating income to assets | 0.8394% | 3,147 |
| Return on assets (ROA) | 0.8809% | 3,042 |
| Pretax return on assets | 0.8809% | 3,963 |
| Return on Equity (ROE) | 12.1342% | 1,436 |
| Retained earnings to average equity (ytd only) | 12.1342% | 402 |
| Net charge-offs to loans | 0.9575% | 598 |
| Credit loss provision to net charge-offs | 51.3742% | 3,468 |
| Earnings coverage of net charge-offs (x) | 1.7093% | 4,272 |
| Efficiency ratio | 71.9709% | 3,410 |
| Assets per employee ($millions) | 4.5671% | 2,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0700% | 1,570 |
| Loan loss allowance to noncurrent loans | 244.1513% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 1.5940% | 2,552 |
| Noncurrent loans to loans | 0.8478% | 4,130 |
| Net loans and leases to total assets | 71.8900% | 1,614 |
| Net loans and leases to deposits | 80.6467% | 2,317 |
| Net loans and leases to core deposits | 85.1007% | 2,531 |
| Total domestic deposits to total assets | 89.1418% | 1,485 |
| Equity capital to assets | 7.2623% | 6,474 |
| Core capital (leverage) ratio | 7.8159% | 6,322 |
| Tier 1 risk-based capital ratio | 10.4798% | 6,458 |
| Total risk-based capital ratio | 11.7401% | 6,426 |
| Memoranda: | ||
| Average total assets | $179,651,500 | 3,299 |
| Average earning assets | $167,662,500 | 3,278 |
| Average equity | $13,042,750 | 4,305 |
| Average total loans | $131,721,750 | 2,842 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0038% | 904 |
| Cost of funding earning assets | 1.0169% | 502 |
| Net interest margin | 3.9870% | 1,911 |
| Noninterest income to average assets | 0.3347% | 5,007 |
| Noninterest expense to average assets | 3.0060% | 2,983 |
| Loan and lease loss provision to assets | 0.3874% | 821 |
| Net operating income to assets | 0.6594% | 4,021 |
| Return on assets (ROA) | 0.7221% | 3,877 |
| Pretax return on assets | 0.7221% | 4,605 |
| Return on Equity (ROE) | 9.9476% | 2,216 |
| Retained earnings to average equity (ytd only) | 9.9476% | 855 |
| Net charge-offs to loans | 0.2169% | 2,455 |
| Credit loss provision to net charge-offs | 243.6620% | 1,034 |
| Earnings coverage of net charge-offs (x) | 6.5845% | 2,694 |
| Efficiency ratio | 74.1713% | 3,092 |
| Assets per employee ($millions) | 4.4352% | 2,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5771% | 902 |
| Loan loss allowance to noncurrent loans | 108.9297% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 3.0715% | 1,316 |
| Noncurrent loans to loans | 2.3658% | 1,996 |
| Net loans and leases to total assets | 73.3036% | 1,358 |
| Net loans and leases to deposits | 81.4961% | 2,119 |
| Net loans and leases to core deposits | 86.1916% | 2,315 |
| Total domestic deposits to total assets | 89.9474% | 1,057 |
| Equity capital to assets | 7.3498% | 6,492 |
| Core capital (leverage) ratio | 7.4326% | 6,484 |
| Tier 1 risk-based capital ratio | 10.0932% | 6,612 |
| Total risk-based capital ratio | 11.3601% | 6,585 |
| Memoranda: | ||
| Average total assets | $178,641,330 | 3,332 |
| Average earning assets | $166,592,330 | 3,306 |
| Average equity | $12,968,000 | 4,349 |
| Average total loans | $130,927,000 | 2,862 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0521% | 817 |
| Cost of funding earning assets | 1.0191% | 554 |
| Net interest margin | 4.0331% | 1,670 |
| Noninterest income to average assets | 0.4017% | 4,442 |
| Noninterest expense to average assets | 2.9298% | 3,229 |
| Loan and lease loss provision to assets | 0.4017% | 768 |
| Net operating income to assets | 0.5385% | 4,503 |
| Return on assets (ROA) | 0.6136% | 4,308 |
| Pretax return on assets | 0.9283% | 3,658 |
| Return on Equity (ROE) | 8.5057% | 2,718 |
| Retained earnings to average equity (ytd only) | 8.5057% | 1,560 |
| Net charge-offs to loans | 0.5399% | 1,123 |
| Credit loss provision to net charge-offs | 102.8571% | 1,786 |
| Earnings coverage of net charge-offs (x) | 3.1143% | 2,839 |
| Efficiency ratio | 70.6674% | 3,855 |
| Assets per employee ($millions) | 4.6257% | 2,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5194% | 1,088 |
| Loan loss allowance to noncurrent loans | 81.4936% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 4.2887% | 884 |
| Noncurrent loans to loans | 3.0915% | 1,613 |
| Net loans and leases to total assets | 69.5118% | 1,753 |
| Net loans and leases to deposits | 76.3013% | 2,591 |
| Net loans and leases to core deposits | 81.0646% | 2,686 |
| Total domestic deposits to total assets | 91.1016% | 484 |
| Equity capital to assets | 7.2587% | 6,660 |
| Core capital (leverage) ratio | 7.2700% | 6,557 |
| Tier 1 risk-based capital ratio | 10.0685% | 6,678 |
| Total risk-based capital ratio | 11.3343% | 6,665 |
| Memoranda: | ||
| Average total assets | $179,259,000 | 3,353 |
| Average earning assets | $166,424,500 | 3,336 |
| Average equity | $12,932,500 | 4,391 |
| Average total loans | $129,648,000 | 2,900 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1602% | 1,189 |
| Cost of funding earning assets | 1.1688% | 666 |
| Net interest margin | 3.9914% | 2,424 |
| Noninterest income to average assets | -0.6455% | 7,042 |
| Noninterest expense to average assets | 3.0643% | 3,031 |
| Loan and lease loss provision to assets | 1.7961% | 142 |
| Net operating income to assets | -1.5192% | 6,862 |
| Return on assets (ROA) | -1.3843% | 6,845 |
| Pretax return on assets | -1.6701% | 6,887 |
| Return on Equity (ROE) | -16.9353% | 6,852 |
| Retained earnings to average equity (ytd only) | -16.9353% | 6,808 |
| Net charge-offs to loans | 2.2190% | 303 |
| Credit loss provision to net charge-offs | 118.2749% | 2,428 |
| Earnings coverage of net charge-offs (x) | -0.0241% | 5,494 |
| Efficiency ratio | 101.2099% | 517 |
| Assets per employee ($millions) | 4.5670% | 2,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4776% | 1,153 |
| Loan loss allowance to noncurrent loans | 92.0910% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 4.1698% | 1,012 |
| Noncurrent loans to loans | 2.6903% | 1,965 |
| Net loans and leases to total assets | 71.5362% | 1,561 |
| Net loans and leases to deposits | 78.0080% | 2,530 |
| Net loans and leases to core deposits | 82.7532% | 2,691 |
| Total domestic deposits to total assets | 91.7036% | 300 |
| Equity capital to assets | 7.1696% | 6,732 |
| Core capital (leverage) ratio | 7.0013% | 6,702 |
| Tier 1 risk-based capital ratio | 9.6844% | 6,772 |
| Total risk-based capital ratio | 10.9489% | 6,747 |
| Memoranda: | ||
| Average total assets | $180,169,200 | 3,310 |
| Average earning assets | $165,806,200 | 3,292 |
| Average equity | $14,726,600 | 4,019 |
| Average total loans | $123,296,800 | 3,018 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1754% | 1,244 |
| Cost of funding earning assets | 1.2158% | 645 |
| Net interest margin | 3.9595% | 2,669 |
| Noninterest income to average assets | 0.3579% | 4,963 |
| Noninterest expense to average assets | 3.2373% | 2,459 |
| Loan and lease loss provision to assets | 0.9209% | 473 |
| Net operating income to assets | -0.1102% | 6,414 |
| Return on assets (ROA) | 0.0325% | 6,367 |
| Pretax return on assets | 0.0494% | 6,336 |
| Return on Equity (ROE) | 0.3856% | 6,357 |
| Retained earnings to average equity (ytd only) | 0.3856% | 5,972 |
| Net charge-offs to loans | 0.3271% | 2,823 |
| Credit loss provision to net charge-offs | 418.7919% | 640 |
| Earnings coverage of net charge-offs (x) | 3.4296% | 3,649 |
| Efficiency ratio | 81.1056% | 1,918 |
| Assets per employee ($millions) | 4.7139% | 2,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8758% | 823 |
| Loan loss allowance to noncurrent loans | 84.8171% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 5.8940% | 689 |
| Noncurrent loans to loans | 3.3906% | 1,611 |
| Net loans and leases to total assets | 69.5143% | 2,011 |
| Net loans and leases to deposits | 77.0484% | 2,804 |
| Net loans and leases to core deposits | 82.3258% | 2,916 |
| Total domestic deposits to total assets | 90.2216% | 714 |
| Equity capital to assets | 8.4581% | 6,301 |
| Core capital (leverage) ratio | 8.4011% | 5,896 |
| Tier 1 risk-based capital ratio | 11.5610% | 6,193 |
| Total risk-based capital ratio | 12.8303% | 6,159 |
| Memoranda: | ||
| Average total assets | $180,683,000 | 3,338 |
| Average earning assets | $165,806,000 | 3,325 |
| Average equity | $15,215,750 | 3,951 |
| Average total loans | $121,457,750 | 3,088 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1485% | 1,382 |
| Cost of funding earning assets | 1.2384% | 684 |
| Net interest margin | 3.9101% | 2,866 |
| Noninterest income to average assets | 0.3212% | 5,254 |
| Noninterest expense to average assets | 3.1578% | 2,726 |
| Loan and lease loss provision to assets | 1.1843% | 351 |
| Net operating income to assets | -0.2855% | 6,606 |
| Return on assets (ROA) | -0.1347% | 6,561 |
| Pretax return on assets | -0.2031% | 6,589 |
| Return on Equity (ROE) | -1.6013% | 6,589 |
| Retained earnings to average equity (ytd only) | -1.6013% | 6,305 |
| Net charge-offs to loans | 0.5050% | 2,072 |
| Credit loss provision to net charge-offs | 356.4784% | 821 |
| Earnings coverage of net charge-offs (x) | 2.2658% | 3,863 |
| Efficiency ratio | 80.7508% | 2,070 |
| Assets per employee ($millions) | 4.5976% | 2,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9036% | 867 |
| Loan loss allowance to noncurrent loans | 83.7032% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 6.0963% | 695 |
| Noncurrent loans to loans | 3.4689% | 1,656 |
| Net loans and leases to total assets | 65.4232% | 2,784 |
| Net loans and leases to deposits | 71.7071% | 3,651 |
| Net loans and leases to core deposits | 74.5948% | 3,946 |
| Total domestic deposits to total assets | 91.2367% | 374 |
| Equity capital to assets | 8.4192% | 6,290 |
| Core capital (leverage) ratio | 8.0158% | 6,260 |
| Tier 1 risk-based capital ratio | 11.8623% | 6,021 |
| Total risk-based capital ratio | 13.1313% | 5,978 |
| Memoranda: | ||
| Average total assets | $181,200,670 | 3,335 |
| Average earning assets | $166,338,330 | 3,323 |
| Average equity | $15,237,330 | 3,935 |
| Average total loans | $119,207,670 | 3,151 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0965% | 1,583 |
| Cost of funding earning assets | 1.2711% | 712 |
| Net interest margin | 3.8254% | 3,263 |
| Noninterest income to average assets | 0.2042% | 6,163 |
| Noninterest expense to average assets | 2.8834% | 3,692 |
| Loan and lease loss provision to assets | 0.6961% | 752 |
| Net operating income to assets | 0.0878% | 6,261 |
| Return on assets (ROA) | 0.2284% | 6,037 |
| Pretax return on assets | 0.3470% | 5,865 |
| Return on Equity (ROE) | 2.7175% | 5,826 |
| Retained earnings to average equity (ytd only) | 2.7175% | 4,899 |
| Net charge-offs to loans | -0.0034% | 5,753 |
| Credit loss provision to net charge-offs | -31,700.0000% | 6,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6464% | 2,546 |
| Assets per employee ($millions) | 5.0492% | 2,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5834% | 1,245 |
| Loan loss allowance to noncurrent loans | 61.2269% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 5.9848% | 788 |
| Noncurrent loans to loans | 4.2194% | 1,430 |
| Net loans and leases to total assets | 61.6421% | 3,328 |
| Net loans and leases to deposits | 67.3559% | 4,170 |
| Net loans and leases to core deposits | 70.3656% | 4,359 |
| Total domestic deposits to total assets | 91.5171% | 373 |
| Equity capital to assets | 8.2062% | 6,354 |
| Core capital (leverage) ratio | 8.3736% | 5,766 |
| Tier 1 risk-based capital ratio | 12.1389% | 5,871 |
| Total risk-based capital ratio | 13.4035% | 5,834 |
| Memoranda: | ||
| Average total assets | $182,148,500 | 3,344 |
| Average earning assets | $167,095,000 | 3,330 |
| Average equity | $15,308,000 | 3,932 |
| Average total loans | $118,404,000 | 3,188 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1355% | 2,309 |
| Cost of funding earning assets | 1.4807% | 772 |
| Net interest margin | 3.6548% | 4,495 |
| Noninterest income to average assets | 0.3912% | 4,688 |
| Noninterest expense to average assets | 3.1228% | 3,122 |
| Loan and lease loss provision to assets | 0.5242% | 2,001 |
| Net operating income to assets | 0.0542% | 5,957 |
| Return on assets (ROA) | 0.2076% | 5,700 |
| Pretax return on assets | 0.3177% | 5,518 |
| Return on Equity (ROE) | 2.5525% | 5,461 |
| Retained earnings to average equity (ytd only) | 2.5525% | 4,411 |
| Net charge-offs to loans | 0.5490% | 2,817 |
| Credit loss provision to net charge-offs | 164.3979% | 1,659 |
| Earnings coverage of net charge-offs (x) | 1.9005% | 4,349 |
| Efficiency ratio | 83.7487% | 1,792 |
| Assets per employee ($millions) | 4.5506% | 2,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3079% | 1,607 |
| Loan loss allowance to noncurrent loans | 54.6089% | 4,776 |
| Noncurrent assets plus other real estate owned to assets | 6.8381% | 674 |
| Noncurrent loans to loans | 4.2262% | 1,449 |
| Net loans and leases to total assets | 65.2802% | 2,922 |
| Net loans and leases to deposits | 71.6691% | 3,852 |
| Net loans and leases to core deposits | 74.9339% | 4,112 |
| Total domestic deposits to total assets | 91.0855% | 478 |
| Equity capital to assets | 8.6125% | 5,999 |
| Core capital (leverage) ratio | 8.3562% | 5,771 |
| Tier 1 risk-based capital ratio | 12.0274% | 5,819 |
| Total risk-based capital ratio | 13.2892% | 5,789 |
| Memoranda: | ||
| Average total assets | $179,709,200 | 3,342 |
| Average earning assets | $164,112,000 | 3,332 |
| Average equity | $14,613,000 | 3,985 |
| Average total loans | $104,371,800 | 3,518 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0637% | 2,786 |
| Cost of funding earning assets | 1.4829% | 924 |
| Net interest margin | 3.5808% | 4,848 |
| Noninterest income to average assets | 0.4460% | 4,323 |
| Noninterest expense to average assets | 3.0191% | 3,488 |
| Loan and lease loss provision to assets | 0.5747% | 1,709 |
| Net operating income to assets | 0.0798% | 6,008 |
| Return on assets (ROA) | 0.2389% | 5,734 |
| Pretax return on assets | 0.3617% | 5,574 |
| Return on Equity (ROE) | 2.9814% | 5,429 |
| Retained earnings to average equity (ytd only) | 2.9814% | 4,568 |
| Net charge-offs to loans | 0.5991% | 2,464 |
| Credit loss provision to net charge-offs | 171.5232% | 1,755 |
| Earnings coverage of net charge-offs (x) | 2.0751% | 4,105 |
| Efficiency ratio | 81.2824% | 2,078 |
| Assets per employee ($millions) | 4.6444% | 2,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4048% | 1,531 |
| Loan loss allowance to noncurrent loans | 64.5633% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 6.2938% | 831 |
| Noncurrent loans to loans | 3.7247% | 1,826 |
| Net loans and leases to total assets | 60.2943% | 4,079 |
| Net loans and leases to deposits | 67.4858% | 4,694 |
| Net loans and leases to core deposits | 70.3045% | 4,912 |
| Total domestic deposits to total assets | 89.3436% | 1,226 |
| Equity capital to assets | 8.4641% | 6,335 |
| Core capital (leverage) ratio | 8.2068% | 6,126 |
| Tier 1 risk-based capital ratio | 12.4833% | 5,497 |
| Total risk-based capital ratio | 13.7456% | 5,486 |
| Memoranda: | ||
| Average total assets | $180,267,750 | 3,344 |
| Average earning assets | $164,540,750 | 3,345 |
| Average equity | $14,445,000 | 4,045 |
| Average total loans | $100,816,500 | 3,629 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8992% | 3,624 |
| Cost of funding earning assets | 1.4637% | 1,151 |
| Net interest margin | 3.4355% | 5,421 |
| Noninterest income to average assets | 0.5067% | 3,808 |
| Noninterest expense to average assets | 2.8681% | 4,149 |
| Loan and lease loss provision to assets | 0.5545% | 1,745 |
| Net operating income to assets | 0.1433% | 5,901 |
| Return on assets (ROA) | 0.2878% | 5,555 |
| Pretax return on assets | 0.4356% | 5,281 |
| Return on Equity (ROE) | 3.6609% | 5,086 |
| Retained earnings to average equity (ytd only) | 3.6609% | 3,894 |
| Net charge-offs to loans | 0.7537% | 1,990 |
| Credit loss provision to net charge-offs | 136.3388% | 2,239 |
| Earnings coverage of net charge-offs (x) | 1.8962% | 3,915 |
| Efficiency ratio | 78.8092% | 2,586 |
| Assets per employee ($millions) | 4.6217% | 2,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4627% | 1,506 |
| Loan loss allowance to noncurrent loans | 60.1395% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 6.4129% | 838 |
| Noncurrent loans to loans | 4.0950% | 1,682 |
| Net loans and leases to total assets | 54.9330% | 5,157 |
| Net loans and leases to deposits | 61.7402% | 5,531 |
| Net loans and leases to core deposits | 64.2322% | 5,705 |
| Total domestic deposits to total assets | 88.9745% | 1,545 |
| Equity capital to assets | 8.2676% | 6,454 |
| Core capital (leverage) ratio | 8.1749% | 6,070 |
| Tier 1 risk-based capital ratio | 13.5463% | 4,489 |
| Total risk-based capital ratio | 14.8089% | 4,464 |
| Memoranda: | ||
| Average total assets | $179,980,330 | 3,371 |
| Average earning assets | $164,107,670 | 3,368 |
| Average equity | $14,149,670 | 4,097 |
| Average total loans | $97,121,330 | 3,761 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7774% | 4,163 |
| Cost of funding earning assets | 1.4835% | 1,240 |
| Net interest margin | 3.2939% | 5,799 |
| Noninterest income to average assets | 0.5494% | 3,517 |
| Noninterest expense to average assets | 2.8246% | 4,356 |
| Loan and lease loss provision to assets | 1.7281% | 341 |
| Net operating income to assets | -1.1387% | 7,082 |
| Return on assets (ROA) | -1.1521% | 7,090 |
| Pretax return on assets | -1.0142% | 7,004 |
| Return on Equity (ROE) | -15.0434% | 7,148 |
| Retained earnings to average equity (ytd only) | -15.0434% | 7,048 |
| Net charge-offs to loans | -0.0590% | 6,939 |
| Credit loss provision to net charge-offs | -5,550.0000% | 6,389 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5241% | 2,618 |
| Assets per employee ($millions) | 5.1849% | 1,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2859% | 718 |
| Loan loss allowance to noncurrent loans | 111.9858% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 5.5882% | 1,067 |
| Noncurrent loans to loans | 2.9342% | 2,558 |
| Net loans and leases to total assets | 51.2206% | 5,684 |
| Net loans and leases to deposits | 57.0914% | 6,015 |
| Net loans and leases to core deposits | 59.0634% | 6,176 |
| Total domestic deposits to total assets | 89.7169% | 1,345 |
| Equity capital to assets | 7.4254% | 6,907 |
| Core capital (leverage) ratio | 7.8294% | 6,437 |
| Tier 1 risk-based capital ratio | 13.4516% | 4,458 |
| Total risk-based capital ratio | 14.7242% | 4,418 |
| Memoranda: | ||
| Average total assets | $179,848,000 | 3,389 |
| Average earning assets | $163,937,500 | 3,389 |
| Average equity | $13,773,500 | 4,158 |
| Average total loans | $94,925,000 | 3,858 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2625% | 3,306 |
| Cost of funding earning assets | 1.6713% | 1,722 |
| Net interest margin | 3.5912% | 4,863 |
| Noninterest income to average assets | 0.7613% | 2,478 |
| Noninterest expense to average assets | 2.7612% | 4,737 |
| Loan and lease loss provision to assets | 0.5363% | 3,006 |
| Net operating income to assets | 0.5242% | 3,987 |
| Return on assets (ROA) | 0.7752% | 3,027 |
| Pretax return on assets | 0.9730% | 3,018 |
| Return on Equity (ROE) | 8.8727% | 2,353 |
| Retained earnings to average equity (ytd only) | 8.8727% | 740 |
| Net charge-offs to loans | 0.4372% | 3,864 |
| Credit loss provision to net charge-offs | 221.4660% | 1,354 |
| Earnings coverage of net charge-offs (x) | 4.9372% | 2,761 |
| Efficiency ratio | 69.7853% | 4,223 |
| Assets per employee ($millions) | 4.9507% | 2,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5250% | 1,383 |
| Loan loss allowance to noncurrent loans | 73.0781% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 5.9470% | 1,009 |
| Noncurrent loans to loans | 3.4553% | 2,194 |
| Net loans and leases to total assets | 51.2692% | 6,014 |
| Net loans and leases to deposits | 57.0496% | 6,344 |
| Net loans and leases to core deposits | 58.5780% | 6,511 |
| Total domestic deposits to total assets | 89.8678% | 1,178 |
| Equity capital to assets | 7.8957% | 6,587 |
| Core capital (leverage) ratio | 8.1841% | 5,856 |
| Tier 1 risk-based capital ratio | 14.1290% | 3,784 |
| Total risk-based capital ratio | 15.3920% | 3,733 |
| Memoranda: | ||
| Average total assets | $157,759,600 | 3,740 |
| Average earning assets | $140,371,600 | 3,808 |
| Average equity | $13,783,800 | 4,187 |
| Average total loans | $87,382,000 | 4,119 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4340% | 2,727 |
| Cost of funding earning assets | 1.6757% | 1,985 |
| Net interest margin | 3.7584% | 4,150 |
| Noninterest income to average assets | 0.8150% | 2,155 |
| Noninterest expense to average assets | 2.7156% | 4,810 |
| Loan and lease loss provision to assets | 0.4804% | 3,071 |
| Net operating income to assets | 0.6019% | 3,874 |
| Return on assets (ROA) | 0.8761% | 2,842 |
| Pretax return on assets | 1.3556% | 2,021 |
| Return on Equity (ROE) | 9.7529% | 2,226 |
| Retained earnings to average equity (ytd only) | 9.7529% | 852 |
| Net charge-offs to loans | 0.2393% | 4,507 |
| Credit loss provision to net charge-offs | 357.1429% | 872 |
| Earnings coverage of net charge-offs (x) | 10.5129% | 1,876 |
| Efficiency ratio | 65.7572% | 4,913 |
| Assets per employee ($millions) | 5.2990% | 1,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4808% | 1,355 |
| Loan loss allowance to noncurrent loans | 176.1686% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 4.8535% | 1,346 |
| Noncurrent loans to loans | 1.4082% | 4,505 |
| Net loans and leases to total assets | 53.2952% | 5,945 |
| Net loans and leases to deposits | 61.0095% | 6,209 |
| Net loans and leases to core deposits | 62.1265% | 6,456 |
| Total domestic deposits to total assets | 87.3554% | 2,342 |
| Equity capital to assets | 8.3725% | 6,426 |
| Core capital (leverage) ratio | 8.7960% | 5,022 |
| Tier 1 risk-based capital ratio | 14.1552% | 3,719 |
| Total risk-based capital ratio | 15.4173% | 3,680 |
| Memoranda: | ||
| Average total assets | $152,643,500 | 3,886 |
| Average earning assets | $134,630,000 | 3,977 |
| Average equity | $13,711,750 | 4,270 |
| Average total loans | $85,792,250 | 4,235 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5650% | 2,271 |
| Cost of funding earning assets | 1.6659% | 2,312 |
| Net interest margin | 3.8991% | 3,454 |
| Noninterest income to average assets | 0.8639% | 1,819 |
| Noninterest expense to average assets | 2.7115% | 4,863 |
| Loan and lease loss provision to assets | 0.4966% | 2,815 |
| Net operating income to assets | 0.6651% | 3,557 |
| Return on assets (ROA) | 0.8462% | 2,899 |
| Pretax return on assets | 1.3333% | 1,999 |
| Return on Equity (ROE) | 9.1808% | 2,395 |
| Retained earnings to average equity (ytd only) | 9.1808% | 1,056 |
| Net charge-offs to loans | 0.3784% | 3,469 |
| Credit loss provision to net charge-offs | 231.0127% | 1,674 |
| Earnings coverage of net charge-offs (x) | 7.1962% | 2,347 |
| Efficiency ratio | 63.6741% | 5,396 |
| Assets per employee ($millions) | 4.5709% | 2,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4168% | 1,411 |
| Loan loss allowance to noncurrent loans | 132.9553% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 5.0988% | 1,246 |
| Noncurrent loans to loans | 1.8178% | 3,978 |
| Net loans and leases to total assets | 56.4804% | 5,628 |
| Net loans and leases to deposits | 64.3005% | 6,000 |
| Net loans and leases to core deposits | 65.5962% | 6,277 |
| Total domestic deposits to total assets | 87.8381% | 2,085 |
| Equity capital to assets | 9.3225% | 4,973 |
| Core capital (leverage) ratio | 9.4627% | 3,872 |
| Tier 1 risk-based capital ratio | 14.7441% | 3,302 |
| Total risk-based capital ratio | 16.0063% | 3,263 |
| Memoranda: | ||
| Average total assets | $147,002,330 | 4,013 |
| Average earning assets | $127,977,670 | 4,135 |
| Average equity | $13,550,000 | 4,304 |
| Average total loans | $83,499,670 | 4,338 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8849% | 5,540 |
| Cost of funding earning assets | 1.6503% | 2,648 |
| Net interest margin | 3.2346% | 6,182 |
| Noninterest income to average assets | 0.7554% | 2,267 |
| Noninterest expense to average assets | 2.5751% | 5,456 |
| Loan and lease loss provision to assets | 0.2206% | 4,294 |
| Net operating income to assets | 0.4390% | 4,667 |
| Return on assets (ROA) | 0.5872% | 4,097 |
| Pretax return on assets | 1.0284% | 2,977 |
| Return on Equity (ROE) | 6.4089% | 3,664 |
| Retained earnings to average equity (ytd only) | 6.4089% | 2,407 |
| Net charge-offs to loans | 0.0343% | 5,096 |
| Credit loss provision to net charge-offs | 1,142.8571% | 420 |
| Earnings coverage of net charge-offs (x) | 52.7143% | 550 |
| Efficiency ratio | 71.6807% | 3,984 |
| Assets per employee ($millions) | 4.4861% | 2,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3741% | 1,455 |
| Loan loss allowance to noncurrent loans | 120.8563% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 5.5720% | 1,104 |
| Noncurrent loans to loans | 1.9644% | 3,837 |
| Net loans and leases to total assets | 56.6009% | 5,661 |
| Net loans and leases to deposits | 64.4065% | 6,016 |
| Net loans and leases to core deposits | 65.0386% | 6,371 |
| Total domestic deposits to total assets | 87.8807% | 2,130 |
| Equity capital to assets | 9.3350% | 4,779 |
| Core capital (leverage) ratio | 9.5753% | 3,675 |
| Tier 1 risk-based capital ratio | 14.4526% | 3,412 |
| Total risk-based capital ratio | 15.7136% | 3,371 |
| Memoranda: | ||
| Average total assets | $145,083,500 | 4,112 |
| Average earning assets | $127,249,500 | 4,205 |
| Average equity | $13,294,000 | 4,410 |
| Average total loans | $81,597,000 | 4,456 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2107% | 5,603 |
| Cost of funding earning assets | 2.0300% | 2,822 |
| Net interest margin | 3.1807% | 6,156 |
| Noninterest income to average assets | 0.5751% | 3,819 |
| Noninterest expense to average assets | 2.8234% | 4,873 |
| Loan and lease loss provision to assets | 5.2248% | 169 |
| Net operating income to assets | -3.2510% | 7,455 |
| Return on assets (ROA) | -3.1490% | 7,437 |
| Pretax return on assets | -4.5336% | 7,648 |
| Return on Equity (ROE) | -35.6448% | 7,499 |
| Retained earnings to average equity (ytd only) | -35.6448% | 7,486 |
| Net charge-offs to loans | 7.6944% | 89 |
| Credit loss provision to net charge-offs | 103.2777% | 5,345 |
| Earnings coverage of net charge-offs (x) | 0.1074% | 6,050 |
| Efficiency ratio | 83.8594% | 2,368 |
| Assets per employee ($millions) | 4.8870% | 2,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3798% | 1,375 |
| Loan loss allowance to noncurrent loans | 94.5355% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 5.4880% | 1,070 |
| Noncurrent loans to loans | 2.5174% | 3,028 |
| Net loans and leases to total assets | 53.2436% | 6,279 |
| Net loans and leases to deposits | 60.3426% | 6,608 |
| Net loans and leases to core deposits | 68.1262% | 6,873 |
| Total domestic deposits to total assets | 88.2355% | 1,868 |
| Equity capital to assets | 8.9946% | 5,157 |
| Core capital (leverage) ratio | 9.4850% | 3,739 |
| Tier 1 risk-based capital ratio | 14.3483% | 3,290 |
| Total risk-based capital ratio | 15.6092% | 3,238 |
| Memoranda: | ||
| Average total assets | $132,675,800 | 4,284 |
| Average earning assets | $116,453,000 | 4,387 |
| Average equity | $11,721,200 | 4,810 |
| Average total loans | $87,232,800 | 4,296 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3087% | 5,380 |
| Cost of funding earning assets | 2.1884% | 2,460 |
| Net interest margin | 3.1202% | 6,256 |
| Noninterest income to average assets | 0.7513% | 2,701 |
| Noninterest expense to average assets | 2.7122% | 5,265 |
| Loan and lease loss provision to assets | 3.9547% | 308 |
| Net operating income to assets | -1.9931% | 7,314 |
| Return on assets (ROA) | -1.9898% | 7,315 |
| Pretax return on assets | -3.1838% | 7,548 |
| Return on Equity (ROE) | -22.6390% | 7,458 |
| Retained earnings to average equity (ytd only) | -22.6390% | 7,427 |
| Net charge-offs to loans | 5.2014% | 203 |
| Credit loss provision to net charge-offs | 110.3051% | 4,612 |
| Earnings coverage of net charge-offs (x) | 0.2136% | 5,808 |
| Efficiency ratio | 77.9822% | 3,171 |
| Assets per employee ($millions) | 4.1813% | 3,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4301% | 1,134 |
| Loan loss allowance to noncurrent loans | 55.7803% | 4,622 |
| Noncurrent assets plus other real estate owned to assets | 8.3922% | 488 |
| Noncurrent loans to loans | 4.3566% | 1,631 |
| Net loans and leases to total assets | 63.2197% | 5,038 |
| Net loans and leases to deposits | 72.5494% | 5,575 |
| Net loans and leases to core deposits | 85.4138% | 5,930 |
| Total domestic deposits to total assets | 87.1402% | 2,109 |
| Equity capital to assets | 9.7284% | 4,455 |
| Core capital (leverage) ratio | 8.8424% | 4,906 |
| Tier 1 risk-based capital ratio | 12.4417% | 4,595 |
| Total risk-based capital ratio | 13.7035% | 4,533 |
| Memoranda: | ||
| Average total assets | $129,192,000 | 4,385 |
| Average earning assets | $112,894,500 | 4,522 |
| Average equity | $11,354,750 | 4,964 |
| Average total loans | $89,050,000 | 4,277 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2235% | 5,990 |
| Cost of funding earning assets | 2.2475% | 2,591 |
| Net interest margin | 2.9760% | 6,620 |
| Noninterest income to average assets | 0.7733% | 2,565 |
| Noninterest expense to average assets | 2.8144% | 4,897 |
| Loan and lease loss provision to assets | 4.0605% | 302 |
| Net operating income to assets | -2.1914% | 7,475 |
| Return on assets (ROA) | -2.1914% | 7,474 |
| Pretax return on assets | -3.5056% | 7,680 |
| Return on Equity (ROE) | -25.8588% | 7,643 |
| Retained earnings to average equity (ytd only) | -25.8588% | 7,609 |
| Net charge-offs to loans | 5.3252% | 225 |
| Credit loss provision to net charge-offs | 108.4437% | 4,264 |
| Earnings coverage of net charge-offs (x) | 0.1482% | 5,524 |
| Efficiency ratio | 83.5327% | 2,536 |
| Assets per employee ($millions) | 4.0606% | 3,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2536% | 1,160 |
| Loan loss allowance to noncurrent loans | 44.0476% | 5,436 |
| Noncurrent assets plus other real estate owned to assets | 8.6010% | 408 |
| Noncurrent loans to loans | 5.1163% | 1,182 |
| Net loans and leases to total assets | 62.9872% | 5,188 |
| Net loans and leases to deposits | 73.6851% | 5,500 |
| Net loans and leases to core deposits | 91.7031% | 5,378 |
| Total domestic deposits to total assets | 85.4816% | 3,024 |
| Equity capital to assets | 10.0539% | 3,865 |
| Core capital (leverage) ratio | 9.4332% | 3,987 |
| Tier 1 risk-based capital ratio | 13.3963% | 3,869 |
| Total risk-based capital ratio | 14.6553% | 3,807 |
| Memoranda: | ||
| Average total assets | $129,049,000 | 4,414 |
| Average earning assets | $112,569,000 | 4,551 |
| Average equity | $10,936,330 | 5,107 |
| Average total loans | $90,737,670 | 4,260 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1259% | 6,573 |
| Cost of funding earning assets | 2.1674% | 3,331 |
| Net interest margin | 2.9585% | 6,590 |
| Noninterest income to average assets | 0.7620% | 2,528 |
| Noninterest expense to average assets | 2.8024% | 4,553 |
| Loan and lease loss provision to assets | 7.3870% | 82 |
| Net operating income to assets | -4.2425% | 8,000 |
| Return on assets (ROA) | -4.2425% | 7,996 |
| Pretax return on assets | -6.7867% | 8,074 |
| Return on Equity (ROE) | -55.2646% | 8,067 |
| Retained earnings to average equity (ytd only) | -55.2646% | 8,049 |
| Net charge-offs to loans | 1.0696% | 1,273 |
| Credit loss provision to net charge-offs | 942.4603% | 663 |
| Earnings coverage of net charge-offs (x) | 0.7659% | 4,413 |
| Efficiency ratio | 82.3583% | 2,488 |
| Assets per employee ($millions) | 4.0261% | 3,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1210% | 201 |
| Loan loss allowance to noncurrent loans | 41.6457% | 5,768 |
| Noncurrent assets plus other real estate owned to assets | 9.7047% | 242 |
| Noncurrent loans to loans | 9.8954% | 298 |
| Net loans and leases to total assets | 68.7319% | 3,964 |
| Net loans and leases to deposits | 77.9304% | 4,933 |
| Net loans and leases to core deposits | 95.7825% | 4,994 |
| Total domestic deposits to total assets | 88.1964% | 1,652 |
| Equity capital to assets | 7.1705% | 7,586 |
| Core capital (leverage) ratio | 7.1118% | 7,548 |
| Tier 1 risk-based capital ratio | 9.3884% | 7,516 |
| Total risk-based capital ratio | 10.6718% | 7,448 |
| Memoranda: | ||
| Average total assets | $128,604,000 | 4,440 |
| Average earning assets | $114,789,500 | 4,510 |
| Average equity | $9,872,500 | 5,422 |
| Average total loans | $94,240,500 | 4,203 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3722% | 3,563 |
| Cost of funding earning assets | 2.6069% | 3,655 |
| Net interest margin | 3.7653% | 4,159 |
| Noninterest income to average assets | 0.6697% | 3,330 |
| Noninterest expense to average assets | 3.1167% | 3,638 |
| Loan and lease loss provision to assets | 2.6283% | 385 |
| Net operating income to assets | -1.0736% | 7,280 |
| Return on assets (ROA) | -1.0256% | 7,182 |
| Pretax return on assets | -1.6540% | 7,324 |
| Return on Equity (ROE) | -11.6975% | 7,406 |
| Retained earnings to average equity (ytd only) | -17.1622% | 7,573 |
| Net charge-offs to loans | 3.3019% | 250 |
| Credit loss provision to net charge-offs | 104.8550% | 5,102 |
| Earnings coverage of net charge-offs (x) | 0.3588% | 6,017 |
| Efficiency ratio | 77.6063% | 2,978 |
| Assets per employee ($millions) | 2.9854% | 6,090 |
| Cash dividends to net income (ytd only)* | -46.7164% | 8,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7508% | 1,760 |
| Loan loss allowance to noncurrent loans | 28.5836% | 6,792 |
| Noncurrent assets plus other real estate owned to assets | 6.4374% | 435 |
| Noncurrent loans to loans | 6.1254% | 569 |
| Net loans and leases to total assets | 73.5679% | 3,215 |
| Net loans and leases to deposits | 84.4031% | 4,358 |
| Net loans and leases to core deposits | 97.0547% | 5,145 |
| Total domestic deposits to total assets | 87.1625% | 1,859 |
| Equity capital to assets | 8.1847% | 6,572 |
| Core capital (leverage) ratio | 7.8673% | 6,705 |
| Tier 1 risk-based capital ratio | 10.3899% | 6,325 |
| Total risk-based capital ratio | 11.6450% | 6,194 |
| Memoranda: | ||
| Average total assets | $130,653,000 | 4,268 |
| Average earning assets | $116,113,800 | 4,361 |
| Average equity | $11,455,400 | 4,984 |
| Average total loans | $99,185,600 | 3,973 |