Home > First Bank > Performance and Condition Ratios
First Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0329% | 608 |
| Cost of funding earning assets | 2.4095% | 450 |
| Net interest margin | 3.6235% | 1,924 |
| Noninterest income to average assets | 0.0300% | 4,476 |
| Noninterest expense to average assets | 2.2031% | 3,123 |
| Loan and lease loss provision to assets | 0.2500% | 462 |
| Net operating income to assets | 0.7119% | 3,164 |
| Return on assets (ROA) | 0.6701% | 3,248 |
| Pretax return on assets | 0.8709% | 3,040 |
| Return on Equity (ROE) | 6.4900% | 3,421 |
| Retained earnings to average equity (ytd only) | 4.8379% | 2,657 |
| Net charge-offs to loans | 0.0582% | 1,274 |
| Credit loss provision to net charge-offs | 514.8341% | 652 |
| Earnings coverage of net charge-offs (x) | 23.9109% | 1,780 |
| Efficiency ratio | 64.1758% | 2,588 |
| Assets per employee ($millions) | 12.6200% | 357 |
| Cash dividends to net income (ytd only)* | 25.4582% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4032% | 1,386 |
| Loan loss allowance to noncurrent loans | 532.6925% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.2205% | 2,118 |
| Noncurrent loans to loans | 0.2634% | 2,238 |
| Net loans and leases to total assets | 82.5400% | 384 |
| Net loans and leases to deposits | 100.3887% | 516 |
| Net loans and leases to core deposits | 112.5816% | 863 |
| Total domestic deposits to total assets | 82.2200% | 3,085 |
| Equity capital to assets | 10.2762% | 1,856 |
| Core capital (leverage) ratio | 9.1233% | 3,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5847% | 2,695 |
| Memoranda: | ||
| Average total assets | $3,118,393,000 | 383 |
| Average earning assets | $2,884,431,600 | 373 |
| Average equity | $321,976,000 | 374 |
| Average total loans | $2,641,876,800 | 328 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7982% | 691 |
| Cost of funding earning assets | 2.2710% | 435 |
| Net interest margin | 3.5272% | 2,155 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 2.2593% | 2,918 |
| Loan and lease loss provision to assets | 0.3700% | 231 |
| Net operating income to assets | 0.5829% | 3,587 |
| Return on assets (ROA) | 0.5571% | 3,634 |
| Pretax return on assets | 0.7478% | 3,456 |
| Return on Equity (ROE) | 5.3900% | 3,750 |
| Retained earnings to average equity (ytd only) | 3.7423% | 3,329 |
| Net charge-offs to loans | 0.0695% | 982 |
| Credit loss provision to net charge-offs | 616.7169% | 548 |
| Earnings coverage of net charge-offs (x) | 19.4089% | 1,834 |
| Efficiency ratio | 65.6684% | 2,311 |
| Assets per employee ($millions) | 12.4419% | 340 |
| Cash dividends to net income (ytd only)* | 30.5425% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4211% | 1,365 |
| Loan loss allowance to noncurrent loans | 614.0323% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.1965% | 2,286 |
| Noncurrent loans to loans | 0.2314% | 2,422 |
| Net loans and leases to total assets | 83.6900% | 301 |
| Net loans and leases to deposits | 100.3503% | 495 |
| Net loans and leases to core deposits | 112.4795% | 782 |
| Total domestic deposits to total assets | 83.3900% | 2,931 |
| Equity capital to assets | 10.1461% | 1,743 |
| Core capital (leverage) ratio | 8.9199% | 3,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3731% | 2,759 |
| Memoranda: | ||
| Average total assets | $2,995,659,750 | 401 |
| Average earning assets | $2,778,981,000 | 388 |
| Average equity | $309,745,000 | 385 |
| Average total loans | $2,546,970,750 | 340 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4088% | 945 |
| Cost of funding earning assets | 1.9833% | 510 |
| Net interest margin | 3.4255% | 2,462 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 1.9461% | 3,724 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 0.9937% | 2,439 |
| Return on assets (ROA) | 0.9820% | 2,460 |
| Pretax return on assets | 1.2927% | 2,102 |
| Return on Equity (ROE) | 9.4200% | 2,857 |
| Retained earnings to average equity (ytd only) | 7.8326% | 2,025 |
| Net charge-offs to loans | 0.0172% | 1,568 |
| Credit loss provision to net charge-offs | 746.1165% | 504 |
| Earnings coverage of net charge-offs (x) | 96.5874% | 958 |
| Efficiency ratio | 57.5930% | 3,244 |
| Assets per employee ($millions) | 11.0131% | 511 |
| Cash dividends to net income (ytd only)* | 16.8770% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 2,173 |
| Loan loss allowance to noncurrent loans | 379.4990% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.2792% | 1,804 |
| Noncurrent loans to loans | 0.3293% | 1,947 |
| Net loans and leases to total assets | 83.7100% | 291 |
| Net loans and leases to deposits | 100.2649% | 502 |
| Net loans and leases to core deposits | 116.9421% | 601 |
| Total domestic deposits to total assets | 83.4900% | 2,935 |
| Equity capital to assets | 10.2337% | 1,727 |
| Core capital (leverage) ratio | 10.0259% | 2,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3848% | 2,512 |
| Memoranda: | ||
| Average total assets | $2,808,087,333 | 404 |
| Average earning assets | $2,622,880,333 | 394 |
| Average equity | $292,648,000 | 395 |
| Average total loans | $2,389,035,000 | 344 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2474% | 893 |
| Cost of funding earning assets | 1.7306% | 526 |
| Net interest margin | 3.5168% | 2,319 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 1.9464% | 3,755 |
| Loan and lease loss provision to assets | 0.1600% | 685 |
| Net operating income to assets | 1.0310% | 2,436 |
| Return on assets (ROA) | 1.0075% | 2,471 |
| Pretax return on assets | 1.3211% | 2,116 |
| Return on Equity (ROE) | 9.5800% | 2,902 |
| Retained earnings to average equity (ytd only) | 7.9783% | 2,224 |
| Net charge-offs to loans | 0.0533% | 828 |
| Credit loss provision to net charge-offs | 345.3968% | 646 |
| Earnings coverage of net charge-offs (x) | 33.2159% | 1,268 |
| Efficiency ratio | 56.0669% | 3,405 |
| Assets per employee ($millions) | 11.1782% | 492 |
| Cash dividends to net income (ytd only)* | 16.6977% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 2,295 |
| Loan loss allowance to noncurrent loans | 382.2146% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.2776% | 1,755 |
| Noncurrent loans to loans | 0.3269% | 1,978 |
| Net loans and leases to total assets | 83.8800% | 246 |
| Net loans and leases to deposits | 105.3924% | 269 |
| Net loans and leases to core deposits | 123.0987% | 382 |
| Total domestic deposits to total assets | 79.5800% | 3,821 |
| Equity capital to assets | 10.4449% | 1,592 |
| Core capital (leverage) ratio | 10.3001% | 2,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4905% | 2,575 |
| Memoranda: | ||
| Average total assets | $2,774,918,500 | 423 |
| Average earning assets | $2,592,677,000 | 410 |
| Average equity | $291,891,500 | 400 |
| Average total loans | $2,365,198,500 | 361 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2279% | 844 |
| Cost of funding earning assets | 0.3977% | 1,306 |
| Net interest margin | 3.8302% | 906 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 1.7782% | 4,020 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.4108% | 1,061 |
| Return on assets (ROA) | 1.4108% | 1,032 |
| Pretax return on assets | 1.8615% | 644 |
| Return on Equity (ROE) | 13.2600% | 1,625 |
| Retained earnings to average equity (ytd only) | 11.5496% | 907 |
| Net charge-offs to loans | 0.0829% | 722 |
| Credit loss provision to net charge-offs | 158.8799% | 1,100 |
| Earnings coverage of net charge-offs (x) | 28.0236% | 1,556 |
| Efficiency ratio | 47.0897% | 4,325 |
| Assets per employee ($millions) | 11.5141% | 444 |
| Cash dividends to net income (ytd only)* | 12.9216% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0906% | 3,063 |
| Loan loss allowance to noncurrent loans | 480.7090% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.2057% | 2,233 |
| Noncurrent loans to loans | 0.2269% | 2,479 |
| Net loans and leases to total assets | 84.7900% | 199 |
| Net loans and leases to deposits | 101.6342% | 313 |
| Net loans and leases to core deposits | 115.0471% | 343 |
| Total domestic deposits to total assets | 83.4300% | 3,622 |
| Equity capital to assets | 10.6943% | 1,292 |
| Core capital (leverage) ratio | 10.5087% | 2,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4654% | 2,665 |
| Memoranda: | ||
| Average total assets | $2,569,373,000 | 443 |
| Average earning assets | $2,388,722,250 | 434 |
| Average equity | $273,296,000 | 412 |
| Average total loans | $2,183,623,500 | 350 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0109% | 919 |
| Cost of funding earning assets | 0.3099% | 1,625 |
| Net interest margin | 3.7010% | 909 |
| Noninterest income to average assets | 0.2141% | 3,923 |
| Noninterest expense to average assets | 1.7667% | 4,027 |
| Loan and lease loss provision to assets | 0.1521% | 625 |
| Net operating income to assets | 1.3314% | 1,069 |
| Return on assets (ROA) | 1.3314% | 1,045 |
| Pretax return on assets | 1.7498% | 679 |
| Return on Equity (ROE) | 12.5408% | 1,514 |
| Retained earnings to average equity (ytd only) | 10.8082% | 820 |
| Net charge-offs to loans | 0.0603% | 805 |
| Credit loss provision to net charge-offs | 297.5460% | 802 |
| Earnings coverage of net charge-offs (x) | 37.2040% | 1,295 |
| Efficiency ratio | 47.8275% | 4,354 |
| Assets per employee ($millions) | 11.0220% | 491 |
| Cash dividends to net income (ytd only)* | 13.8154% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1275% | 3,051 |
| Loan loss allowance to noncurrent loans | 210.5998% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 0.4743% | 1,199 |
| Noncurrent loans to loans | 0.5354% | 1,550 |
| Net loans and leases to total assets | 85.4779% | 109 |
| Net loans and leases to deposits | 101.3868% | 232 |
| Net loans and leases to core deposits | 111.3481% | 328 |
| Total domestic deposits to total assets | 84.3087% | 3,623 |
| Equity capital to assets | 10.6966% | 1,360 |
| Core capital (leverage) ratio | 10.1912% | 2,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4600% | 2,687 |
| Memoranda: | ||
| Average total assets | $2,550,759,667 | 443 |
| Average earning assets | $2,380,910,333 | 436 |
| Average equity | $270,811,667 | 418 |
| Average total loans | $2,161,321,667 | 345 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8516% | 996 |
| Cost of funding earning assets | 0.2923% | 1,728 |
| Net interest margin | 3.5592% | 963 |
| Noninterest income to average assets | 0.1995% | 3,969 |
| Noninterest expense to average assets | 1.7502% | 4,051 |
| Loan and lease loss provision to assets | 0.1010% | 822 |
| Net operating income to assets | 1.2837% | 1,038 |
| Return on assets (ROA) | 1.2837% | 1,029 |
| Pretax return on assets | 1.6761% | 715 |
| Return on Equity (ROE) | 12.1369% | 1,269 |
| Retained earnings to average equity (ytd only) | 10.3977% | 927 |
| Net charge-offs to loans | 0.0465% | 830 |
| Credit loss provision to net charge-offs | 258.8710% | 707 |
| Earnings coverage of net charge-offs (x) | 45.5403% | 954 |
| Efficiency ratio | 49.2573% | 4,347 |
| Assets per employee ($millions) | 11.7527% | 425 |
| Cash dividends to net income (ytd only)* | 14.3295% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1219% | 3,229 |
| Loan loss allowance to noncurrent loans | 191.7242% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 0.5006% | 1,199 |
| Noncurrent loans to loans | 0.5852% | 1,585 |
| Net loans and leases to total assets | 82.6627% | 134 |
| Net loans and leases to deposits | 97.6912% | 241 |
| Net loans and leases to core deposits | 107.3989% | 317 |
| Total domestic deposits to total assets | 84.6164% | 3,631 |
| Equity capital to assets | 10.5316% | 1,583 |
| Core capital (leverage) ratio | 10.1545% | 2,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8574% | 2,657 |
| Memoranda: | ||
| Average total assets | $2,542,071,500 | 448 |
| Average earning assets | $2,376,804,000 | 440 |
| Average equity | $268,866,500 | 425 |
| Average total loans | $2,131,871,000 | 346 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0071% | 1,345 |
| Cost of funding earning assets | 0.4056% | 1,507 |
| Net interest margin | 3.6015% | 1,464 |
| Noninterest income to average assets | 0.3198% | 3,493 |
| Noninterest expense to average assets | 1.7773% | 4,178 |
| Loan and lease loss provision to assets | -0.0096% | 4,167 |
| Net operating income to assets | 1.4588% | 1,111 |
| Return on assets (ROA) | 1.4588% | 1,181 |
| Pretax return on assets | 1.9239% | 690 |
| Return on Equity (ROE) | 13.9982% | 1,186 |
| Retained earnings to average equity (ytd only) | 12.8378% | 419 |
| Net charge-offs to loans | -0.0002% | 3,206 |
| Credit loss provision to net charge-offs | 5,800.0000% | 128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8412% | 4,415 |
| Assets per employee ($millions) | 11.5682% | 442 |
| Cash dividends to net income (ytd only)* | 8.2896% | 3,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1243% | 3,256 |
| Loan loss allowance to noncurrent loans | 182.6615% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 0.5486% | 1,206 |
| Noncurrent loans to loans | 0.6155% | 1,607 |
| Net loans and leases to total assets | 83.1871% | 142 |
| Net loans and leases to deposits | 98.7536% | 224 |
| Net loans and leases to core deposits | 109.7648% | 288 |
| Total domestic deposits to total assets | 84.2371% | 3,494 |
| Equity capital to assets | 10.6229% | 2,070 |
| Core capital (leverage) ratio | 10.1518% | 2,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9692% | 2,643 |
| Memoranda: | ||
| Average total assets | $2,428,642,200 | 446 |
| Average earning assets | $2,273,791,200 | 442 |
| Average equity | $253,104,200 | 443 |
| Average total loans | $2,047,995,400 | 358 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0573% | 1,408 |
| Cost of funding earning assets | 0.4347% | 1,457 |
| Net interest margin | 3.6227% | 1,546 |
| Noninterest income to average assets | 0.3076% | 3,588 |
| Noninterest expense to average assets | 1.7352% | 4,273 |
| Loan and lease loss provision to assets | -0.0585% | 4,485 |
| Net operating income to assets | 1.5275% | 1,205 |
| Return on assets (ROA) | 1.5275% | 1,247 |
| Pretax return on assets | 2.0220% | 768 |
| Return on Equity (ROE) | 14.7312% | 1,193 |
| Retained earnings to average equity (ytd only) | 13.7866% | 532 |
| Net charge-offs to loans | -0.0007% | 3,097 |
| Credit loss provision to net charge-offs | 10,570.0000% | 72 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6028% | 4,466 |
| Assets per employee ($millions) | 11.6652% | 412 |
| Cash dividends to net income (ytd only)* | 6.4117% | 3,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1439% | 3,231 |
| Loan loss allowance to noncurrent loans | 199.5735% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.4908% | 1,556 |
| Noncurrent loans to loans | 0.5732% | 1,874 |
| Net loans and leases to total assets | 81.2693% | 233 |
| Net loans and leases to deposits | 96.8424% | 320 |
| Net loans and leases to core deposits | 110.1155% | 322 |
| Total domestic deposits to total assets | 83.9192% | 3,479 |
| Equity capital to assets | 10.6717% | 2,290 |
| Core capital (leverage) ratio | 9.8947% | 2,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5907% | 2,513 |
| Memoranda: | ||
| Average total assets | $2,408,228,250 | 455 |
| Average earning assets | $2,254,241,000 | 446 |
| Average equity | $249,713,750 | 450 |
| Average total loans | $2,031,996,500 | 361 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0641% | 1,421 |
| Cost of funding earning assets | 0.4628% | 1,430 |
| Net interest margin | 3.6013% | 1,593 |
| Noninterest income to average assets | 0.3048% | 3,608 |
| Noninterest expense to average assets | 1.7361% | 4,309 |
| Loan and lease loss provision to assets | -0.1013% | 4,630 |
| Net operating income to assets | 1.5473% | 1,176 |
| Return on assets (ROA) | 1.5473% | 1,237 |
| Pretax return on assets | 2.0448% | 762 |
| Return on Equity (ROE) | 15.0707% | 1,134 |
| Retained earnings to average equity (ytd only) | 14.1131% | 529 |
| Net charge-offs to loans | 0.0109% | 1,750 |
| Credit loss provision to net charge-offs | -1,094.5946% | 3,681 |
| Earnings coverage of net charge-offs (x) | 209.9550% | 482 |
| Efficiency ratio | 46.8599% | 4,474 |
| Assets per employee ($millions) | 11.3104% | 424 |
| Cash dividends to net income (ytd only)* | 6.3544% | 2,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1027% | 3,398 |
| Loan loss allowance to noncurrent loans | 237.0029% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.4108% | 1,969 |
| Noncurrent loans to loans | 0.4653% | 2,281 |
| Net loans and leases to total assets | 83.1458% | 163 |
| Net loans and leases to deposits | 99.7575% | 259 |
| Net loans and leases to core deposits | 115.1304% | 275 |
| Total domestic deposits to total assets | 83.3479% | 3,625 |
| Equity capital to assets | 10.4202% | 2,469 |
| Core capital (leverage) ratio | 9.8380% | 2,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3028% | 2,608 |
| Memoranda: | ||
| Average total assets | $2,398,297,667 | 451 |
| Average earning assets | $2,247,417,000 | 448 |
| Average equity | $246,225,333 | 453 |
| Average total loans | $2,041,232,333 | 359 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1042% | 1,373 |
| Cost of funding earning assets | 0.5036% | 1,373 |
| Net interest margin | 3.6006% | 1,586 |
| Noninterest income to average assets | 0.3872% | 3,166 |
| Noninterest expense to average assets | 1.7930% | 4,230 |
| Loan and lease loss provision to assets | -0.1773% | 4,797 |
| Net operating income to assets | 1.6265% | 1,067 |
| Return on assets (ROA) | 1.6265% | 1,122 |
| Pretax return on assets | 2.1465% | 747 |
| Return on Equity (ROE) | 15.9651% | 1,020 |
| Retained earnings to average equity (ytd only) | 14.9934% | 625 |
| Net charge-offs to loans | -0.0010% | 3,049 |
| Credit loss provision to net charge-offs | 21,060.0000% | 22 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3307% | 4,382 |
| Assets per employee ($millions) | 11.4008% | 398 |
| Cash dividends to net income (ytd only)* | 6.0863% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1337% | 3,280 |
| Loan loss allowance to noncurrent loans | 214.7433% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.4677% | 1,986 |
| Noncurrent loans to loans | 0.5279% | 2,271 |
| Net loans and leases to total assets | 83.1095% | 181 |
| Net loans and leases to deposits | 101.4601% | 248 |
| Net loans and leases to core deposits | 118.0349% | 264 |
| Total domestic deposits to total assets | 81.9134% | 3,910 |
| Equity capital to assets | 10.2261% | 2,498 |
| Core capital (leverage) ratio | 9.6707% | 2,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5321% | 2,479 |
| Memoranda: | ||
| Average total assets | $2,375,923,000 | 444 |
| Average earning assets | $2,227,079,000 | 441 |
| Average equity | $242,052,500 | 457 |
| Average total loans | $2,034,879,500 | 360 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3183% | 1,815 |
| Cost of funding earning assets | 0.9512% | 713 |
| Net interest margin | 3.3671% | 2,878 |
| Noninterest income to average assets | 0.3012% | 3,671 |
| Noninterest expense to average assets | 1.8397% | 4,407 |
| Loan and lease loss provision to assets | 0.4312% | 670 |
| Net operating income to assets | 0.8791% | 2,788 |
| Return on assets (ROA) | 0.8791% | 2,926 |
| Pretax return on assets | 1.1744% | 2,421 |
| Return on Equity (ROE) | 8.4593% | 2,623 |
| Retained earnings to average equity (ytd only) | 7.4223% | 1,226 |
| Net charge-offs to loans | 0.1481% | 1,103 |
| Credit loss provision to net charge-offs | 339.4662% | 1,607 |
| Earnings coverage of net charge-offs (x) | 12.6399% | 2,323 |
| Efficiency ratio | 52.9876% | 4,311 |
| Assets per employee ($millions) | 11.5013% | 359 |
| Cash dividends to net income (ytd only)* | 12.2583% | 3,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1709% | 3,105 |
| Loan loss allowance to noncurrent loans | 234.2355% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.4607% | 2,182 |
| Noncurrent loans to loans | 0.4999% | 2,471 |
| Net loans and leases to total assets | 86.2474% | 92 |
| Net loans and leases to deposits | 106.3028% | 224 |
| Net loans and leases to core deposits | 125.7060% | 247 |
| Total domestic deposits to total assets | 81.1338% | 3,844 |
| Equity capital to assets | 10.1484% | 2,985 |
| Core capital (leverage) ratio | 9.7353% | 2,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8998% | 2,670 |
| Memoranda: | ||
| Average total assets | $2,212,158,400 | 436 |
| Average earning assets | $2,065,647,400 | 432 |
| Average equity | $229,901,800 | 451 |
| Average total loans | $1,897,833,200 | 365 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3370% | 2,002 |
| Cost of funding earning assets | 1.0683% | 600 |
| Net interest margin | 3.2687% | 3,285 |
| Noninterest income to average assets | 0.3273% | 3,529 |
| Noninterest expense to average assets | 1.8141% | 4,468 |
| Loan and lease loss provision to assets | 0.4838% | 632 |
| Net operating income to assets | 0.8111% | 3,050 |
| Return on assets (ROA) | 0.8111% | 3,171 |
| Pretax return on assets | 1.0788% | 2,813 |
| Return on Equity (ROE) | 7.7552% | 2,897 |
| Retained earnings to average equity (ytd only) | 6.7060% | 1,811 |
| Net charge-offs to loans | 0.1681% | 876 |
| Credit loss provision to net charge-offs | 337.1429% | 1,645 |
| Earnings coverage of net charge-offs (x) | 10.8887% | 2,331 |
| Efficiency ratio | 53.2903% | 4,222 |
| Assets per employee ($millions) | 11.3230% | 363 |
| Cash dividends to net income (ytd only)* | 13.5290% | 3,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1377% | 2,993 |
| Loan loss allowance to noncurrent loans | 179.6597% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.5800% | 1,991 |
| Noncurrent loans to loans | 0.6332% | 2,210 |
| Net loans and leases to total assets | 85.7979% | 163 |
| Net loans and leases to deposits | 107.9772% | 269 |
| Net loans and leases to core deposits | 125.4599% | 313 |
| Total domestic deposits to total assets | 79.4593% | 3,971 |
| Equity capital to assets | 10.0567% | 3,179 |
| Core capital (leverage) ratio | 9.5310% | 3,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1199% | 2,569 |
| Memoranda: | ||
| Average total assets | $2,178,630,500 | 436 |
| Average earning assets | $2,032,514,000 | 429 |
| Average equity | $227,850,250 | 447 |
| Average total loans | $1,860,398,500 | 366 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4403% | 2,095 |
| Cost of funding earning assets | 1.2051% | 495 |
| Net interest margin | 3.2352% | 3,565 |
| Noninterest income to average assets | 0.2907% | 3,724 |
| Noninterest expense to average assets | 1.8447% | 4,494 |
| Loan and lease loss provision to assets | 0.5536% | 603 |
| Net operating income to assets | 0.6886% | 3,428 |
| Return on assets (ROA) | 0.6886% | 3,530 |
| Pretax return on assets | 0.9089% | 3,291 |
| Return on Equity (ROE) | 6.4939% | 3,334 |
| Retained earnings to average equity (ytd only) | 5.4310% | 2,301 |
| Net charge-offs to loans | 0.1890% | 806 |
| Credit loss provision to net charge-offs | 344.9504% | 1,527 |
| Earnings coverage of net charge-offs (x) | 9.1133% | 2,248 |
| Efficiency ratio | 55.3198% | 4,027 |
| Assets per employee ($millions) | 11.0076% | 384 |
| Cash dividends to net income (ytd only)* | 16.3673% | 2,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0967% | 3,081 |
| Loan loss allowance to noncurrent loans | 152.2582% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.6617% | 1,847 |
| Noncurrent loans to loans | 0.7203% | 2,076 |
| Net loans and leases to total assets | 84.0464% | 250 |
| Net loans and leases to deposits | 100.5355% | 521 |
| Net loans and leases to core deposits | 114.1147% | 590 |
| Total domestic deposits to total assets | 83.5987% | 2,884 |
| Equity capital to assets | 9.8431% | 3,331 |
| Core capital (leverage) ratio | 9.2596% | 3,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9333% | 2,643 |
| Memoranda: | ||
| Average total assets | $2,134,875,333 | 435 |
| Average earning assets | $1,990,539,333 | 430 |
| Average equity | $226,367,333 | 448 |
| Average total loans | $1,812,315,000 | 371 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6505% | 1,854 |
| Cost of funding earning assets | 1.3281% | 519 |
| Net interest margin | 3.3224% | 3,536 |
| Noninterest income to average assets | 0.2382% | 4,132 |
| Noninterest expense to average assets | 1.9343% | 4,510 |
| Loan and lease loss provision to assets | 0.5715% | 492 |
| Net operating income to assets | 0.6302% | 3,517 |
| Return on assets (ROA) | 0.6302% | 3,575 |
| Pretax return on assets | 0.8261% | 3,342 |
| Return on Equity (ROE) | 5.7139% | 3,420 |
| Retained earnings to average equity (ytd only) | 4.6305% | 2,445 |
| Net charge-offs to loans | 0.1606% | 812 |
| Credit loss provision to net charge-offs | 419.4564% | 972 |
| Earnings coverage of net charge-offs (x) | 10.2575% | 1,774 |
| Efficiency ratio | 57.5674% | 4,061 |
| Assets per employee ($millions) | 10.0598% | 374 |
| Cash dividends to net income (ytd only)* | 18.9607% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1077% | 3,162 |
| Loan loss allowance to noncurrent loans | 141.0121% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.7156% | 1,873 |
| Noncurrent loans to loans | 0.7856% | 2,045 |
| Net loans and leases to total assets | 83.1031% | 348 |
| Net loans and leases to deposits | 100.7730% | 506 |
| Net loans and leases to core deposits | 119.8035% | 474 |
| Total domestic deposits to total assets | 82.4656% | 3,273 |
| Equity capital to assets | 10.8131% | 3,036 |
| Core capital (leverage) ratio | 10.1765% | 3,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7034% | 2,841 |
| Memoranda: | ||
| Average total assets | $2,052,016,000 | 439 |
| Average earning assets | $1,910,763,000 | 430 |
| Average equity | $226,326,000 | 448 |
| Average total loans | $1,740,969,000 | 373 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8236% | 1,973 |
| Cost of funding earning assets | 1.4788% | 426 |
| Net interest margin | 3.3448% | 3,883 |
| Noninterest income to average assets | 0.2232% | 4,328 |
| Noninterest expense to average assets | 1.9788% | 4,564 |
| Loan and lease loss provision to assets | 0.2124% | 943 |
| Net operating income to assets | 0.8123% | 3,521 |
| Return on assets (ROA) | 0.8123% | 3,611 |
| Pretax return on assets | 1.1432% | 3,034 |
| Return on Equity (ROE) | 7.2707% | 3,454 |
| Retained earnings to average equity (ytd only) | 6.1733% | 1,780 |
| Net charge-offs to loans | 0.1175% | 1,571 |
| Credit loss provision to net charge-offs | 212.5934% | 1,246 |
| Earnings coverage of net charge-offs (x) | 13.5704% | 2,346 |
| Efficiency ratio | 58.8605% | 3,856 |
| Assets per employee ($millions) | 9.3212% | 447 |
| Cash dividends to net income (ytd only)* | 15.0938% | 3,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0005% | 3,506 |
| Loan loss allowance to noncurrent loans | 75.8155% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 1.1974% | 978 |
| Noncurrent loans to loans | 1.3197% | 1,136 |
| Net loans and leases to total assets | 84.7495% | 258 |
| Net loans and leases to deposits | 103.9895% | 375 |
| Net loans and leases to core deposits | 122.2165% | 423 |
| Total domestic deposits to total assets | 81.4981% | 3,644 |
| Equity capital to assets | 11.3334% | 2,674 |
| Core capital (leverage) ratio | 10.2622% | 3,230 |
| Tier 1 risk-based capital ratio | 10.7327% | 4,954 |
| Total risk-based capital ratio | 12.7734% | 4,497 |
| Memoranda: | ||
| Average total assets | $1,875,981,600 | 449 |
| Average earning assets | $1,744,957,400 | 444 |
| Average equity | $209,580,400 | 462 |
| Average total loans | $1,595,122,200 | 386 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7575% | 2,253 |
| Cost of funding earning assets | 1.4755% | 442 |
| Net interest margin | 3.2821% | 4,121 |
| Noninterest income to average assets | 0.1868% | 4,604 |
| Noninterest expense to average assets | 2.0053% | 4,540 |
| Loan and lease loss provision to assets | 0.2638% | 592 |
| Net operating income to assets | 0.7234% | 3,933 |
| Return on assets (ROA) | 0.7234% | 4,003 |
| Pretax return on assets | 0.9710% | 3,683 |
| Return on Equity (ROE) | 6.5009% | 3,883 |
| Retained earnings to average equity (ytd only) | 5.4040% | 2,674 |
| Net charge-offs to loans | 0.1321% | 1,202 |
| Credit loss provision to net charge-offs | 235.2485% | 1,148 |
| Earnings coverage of net charge-offs (x) | 11.0110% | 2,460 |
| Efficiency ratio | 61.4010% | 3,423 |
| Assets per employee ($millions) | 9.4786% | 408 |
| Cash dividends to net income (ytd only)* | 16.8735% | 3,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9880% | 3,640 |
| Loan loss allowance to noncurrent loans | 108.7753% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 0.8647% | 1,582 |
| Noncurrent loans to loans | 0.9083% | 1,760 |
| Net loans and leases to total assets | 84.3357% | 313 |
| Net loans and leases to deposits | 104.4813% | 387 |
| Net loans and leases to core deposits | 122.8431% | 443 |
| Total domestic deposits to total assets | 80.7185% | 3,827 |
| Equity capital to assets | 10.9068% | 3,187 |
| Core capital (leverage) ratio | 10.9476% | 2,693 |
| Tier 1 risk-based capital ratio | 10.3558% | 5,123 |
| Total risk-based capital ratio | 12.3797% | 4,739 |
| Memoranda: | ||
| Average total assets | $1,841,632,000 | 458 |
| Average earning assets | $1,713,314,000 | 454 |
| Average equity | $204,929,250 | 469 |
| Average total loans | $1,563,009,250 | 395 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8840% | 1,806 |
| Cost of funding earning assets | 1.4685% | 424 |
| Net interest margin | 3.4155% | 3,846 |
| Noninterest income to average assets | 0.1888% | 4,623 |
| Noninterest expense to average assets | 2.0533% | 4,510 |
| Loan and lease loss provision to assets | 0.2353% | 682 |
| Net operating income to assets | 0.8020% | 3,643 |
| Return on assets (ROA) | 0.8020% | 3,706 |
| Pretax return on assets | 1.0811% | 3,285 |
| Return on Equity (ROE) | 7.1527% | 3,618 |
| Retained earnings to average equity (ytd only) | 6.0230% | 2,274 |
| Net charge-offs to loans | 0.0619% | 1,760 |
| Credit loss provision to net charge-offs | 448.6022% | 652 |
| Earnings coverage of net charge-offs (x) | 25.0968% | 1,608 |
| Efficiency ratio | 60.4358% | 3,661 |
| Assets per employee ($millions) | 9.3882% | 406 |
| Cash dividends to net income (ytd only)* | 15.7947% | 3,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0821% | 3,162 |
| Loan loss allowance to noncurrent loans | 115.1299% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 0.8374% | 1,683 |
| Noncurrent loans to loans | 0.9399% | 1,731 |
| Net loans and leases to total assets | 83.6722% | 389 |
| Net loans and leases to deposits | 106.1162% | 334 |
| Net loans and leases to core deposits | 126.8098% | 368 |
| Total domestic deposits to total assets | 78.8496% | 4,248 |
| Equity capital to assets | 11.0473% | 2,997 |
| Core capital (leverage) ratio | 10.4208% | 3,172 |
| Tier 1 risk-based capital ratio | 10.5537% | 5,088 |
| Total risk-based capital ratio | 12.7804% | 4,561 |
| Memoranda: | ||
| Average total assets | $1,773,051,670 | 474 |
| Average earning assets | $1,651,218,000 | 467 |
| Average equity | $198,804,670 | 473 |
| Average total loans | $1,502,713,330 | 408 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8858% | 1,631 |
| Cost of funding earning assets | 1.4301% | 410 |
| Net interest margin | 3.4557% | 3,733 |
| Noninterest income to average assets | 0.1573% | 4,797 |
| Noninterest expense to average assets | 2.0672% | 4,517 |
| Loan and lease loss provision to assets | 0.0837% | 2,029 |
| Net operating income to assets | 0.9790% | 2,927 |
| Return on assets (ROA) | 0.9790% | 2,969 |
| Pretax return on assets | 1.2251% | 2,715 |
| Return on Equity (ROE) | 8.6642% | 2,965 |
| Retained earnings to average equity (ytd only) | 7.5277% | 1,830 |
| Net charge-offs to loans | -0.0043% | 3,984 |
| Credit loss provision to net charge-offs | -2,281.2500% | 4,095 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7160% | 3,716 |
| Assets per employee ($millions) | 9.8193% | 360 |
| Cash dividends to net income (ytd only)* | 13.1178% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0364% | 3,486 |
| Loan loss allowance to noncurrent loans | 206.8524% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.5037% | 2,608 |
| Noncurrent loans to loans | 0.5010% | 2,812 |
| Net loans and leases to total assets | 83.3607% | 432 |
| Net loans and leases to deposits | 102.1227% | 492 |
| Net loans and leases to core deposits | 120.4898% | 515 |
| Total domestic deposits to total assets | 81.6280% | 3,822 |
| Equity capital to assets | 11.2157% | 2,635 |
| Core capital (leverage) ratio | 10.4770% | 3,073 |
| Tier 1 risk-based capital ratio | 10.6979% | 5,112 |
| Total risk-based capital ratio | 12.9121% | 4,529 |
| Memoranda: | ||
| Average total assets | $1,744,229,000 | 486 |
| Average earning assets | $1,624,550,000 | 474 |
| Average equity | $197,086,000 | 477 |
| Average total loans | $1,479,800,000 | 414 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8533% | 1,413 |
| Cost of funding earning assets | 1.1873% | 361 |
| Net interest margin | 3.6660% | 3,171 |
| Noninterest income to average assets | 0.2279% | 4,547 |
| Noninterest expense to average assets | 2.0934% | 4,581 |
| Loan and lease loss provision to assets | 0.2153% | 846 |
| Net operating income to assets | 1.0985% | 2,601 |
| Return on assets (ROA) | 1.0987% | 2,598 |
| Pretax return on assets | 1.3514% | 2,312 |
| Return on Equity (ROE) | 9.7608% | 2,617 |
| Retained earnings to average equity (ytd only) | 8.5394% | 1,031 |
| Net charge-offs to loans | 0.0007% | 3,762 |
| Credit loss provision to net charge-offs | 38,300.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 2,786.5556% | 30 |
| Efficiency ratio | 56.7303% | 4,315 |
| Assets per employee ($millions) | 9.1998% | 435 |
| Cash dividends to net income (ytd only)* | 12.5135% | 3,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0349% | 3,472 |
| Loan loss allowance to noncurrent loans | 237.8595% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.4569% | 2,738 |
| Noncurrent loans to loans | 0.4351% | 2,978 |
| Net loans and leases to total assets | 84.5848% | 361 |
| Net loans and leases to deposits | 103.8886% | 482 |
| Net loans and leases to core deposits | 120.2687% | 535 |
| Total domestic deposits to total assets | 81.4187% | 3,805 |
| Equity capital to assets | 11.3862% | 2,342 |
| Core capital (leverage) ratio | 10.3992% | 3,141 |
| Tier 1 risk-based capital ratio | 10.8484% | 5,046 |
| Total risk-based capital ratio | 13.1207% | 4,400 |
| Memoranda: | ||
| Average total assets | $1,600,938,400 | 512 |
| Average earning assets | $1,498,733,200 | 497 |
| Average equity | $180,200,800 | 488 |
| Average total loans | $1,353,045,200 | 429 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8143% | 1,389 |
| Cost of funding earning assets | 1.1253% | 358 |
| Net interest margin | 3.6890% | 3,062 |
| Noninterest income to average assets | 0.2218% | 4,636 |
| Noninterest expense to average assets | 2.0573% | 4,636 |
| Loan and lease loss provision to assets | 0.2052% | 832 |
| Net operating income to assets | 1.1431% | 2,468 |
| Return on assets (ROA) | 1.1433% | 2,481 |
| Pretax return on assets | 1.4164% | 2,173 |
| Return on Equity (ROE) | 10.1896% | 2,536 |
| Retained earnings to average equity (ytd only) | 8.9502% | 1,237 |
| Net charge-offs to loans | 0.0002% | 3,485 |
| Credit loss provision to net charge-offs | 121,050.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 9,554.3184% | 5 |
| Efficiency ratio | 55.4711% | 4,451 |
| Assets per employee ($millions) | 9.8687% | 350 |
| Cash dividends to net income (ytd only)* | 12.1628% | 3,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0002% | 3,758 |
| Loan loss allowance to noncurrent loans | 192.1852% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 0.5015% | 2,697 |
| Noncurrent loans to loans | 0.5204% | 2,825 |
| Net loans and leases to total assets | 81.3713% | 812 |
| Net loans and leases to deposits | 100.8615% | 712 |
| Net loans and leases to core deposits | 117.9160% | 645 |
| Total domestic deposits to total assets | 80.6763% | 3,960 |
| Equity capital to assets | 11.1040% | 2,568 |
| Core capital (leverage) ratio | 10.3596% | 3,221 |
| Tier 1 risk-based capital ratio | 10.9963% | 5,038 |
| Total risk-based capital ratio | 13.2869% | 4,366 |
| Memoranda: | ||
| Average total assets | $1,573,383,250 | 518 |
| Average earning assets | $1,474,351,500 | 503 |
| Average equity | $176,542,000 | 495 |
| Average total loans | $1,325,677,750 | 437 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7342% | 1,420 |
| Cost of funding earning assets | 1.0670% | 338 |
| Net interest margin | 3.6672% | 3,055 |
| Noninterest income to average assets | 0.1767% | 4,938 |
| Noninterest expense to average assets | 2.0951% | 4,621 |
| Loan and lease loss provision to assets | 0.2229% | 733 |
| Net operating income to assets | 1.0558% | 2,782 |
| Return on assets (ROA) | 1.0561% | 2,769 |
| Pretax return on assets | 1.2988% | 2,522 |
| Return on Equity (ROE) | 9.3754% | 2,862 |
| Retained earnings to average equity (ytd only) | 8.1172% | 1,573 |
| Net charge-offs to loans | 0.0162% | 2,599 |
| Credit loss provision to net charge-offs | 1,619.0476% | 260 |
| Earnings coverage of net charge-offs (x) | 110.5048% | 653 |
| Efficiency ratio | 57.5064% | 4,305 |
| Assets per employee ($millions) | 8.9672% | 454 |
| Cash dividends to net income (ytd only)* | 13.4202% | 3,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9539% | 4,092 |
| Loan loss allowance to noncurrent loans | 158.7863% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.6275% | 2,336 |
| Noncurrent loans to loans | 0.6008% | 2,616 |
| Net loans and leases to total assets | 84.0997% | 451 |
| Net loans and leases to deposits | 104.4667% | 507 |
| Net loans and leases to core deposits | 121.6827% | 529 |
| Total domestic deposits to total assets | 80.5039% | 4,138 |
| Equity capital to assets | 11.3045% | 2,357 |
| Core capital (leverage) ratio | 10.7351% | 2,767 |
| Tier 1 risk-based capital ratio | 10.8581% | 5,128 |
| Total risk-based capital ratio | 13.1369% | 4,448 |
| Memoranda: | ||
| Average total assets | $1,525,462,330 | 530 |
| Average earning assets | $1,430,792,670 | 518 |
| Average equity | $171,832,000 | 502 |
| Average total loans | $1,297,110,330 | 445 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6874% | 1,334 |
| Cost of funding earning assets | 1.0393% | 309 |
| Net interest margin | 3.6481% | 2,996 |
| Noninterest income to average assets | 0.1521% | 5,106 |
| Noninterest expense to average assets | 1.9871% | 4,876 |
| Loan and lease loss provision to assets | 0.2723% | 506 |
| Net operating income to assets | 1.1000% | 2,420 |
| Return on assets (ROA) | 1.1000% | 2,434 |
| Pretax return on assets | 1.3270% | 2,261 |
| Return on Equity (ROE) | 9.7845% | 2,548 |
| Retained earnings to average equity (ytd only) | 8.5142% | 1,660 |
| Net charge-offs to loans | 0.0576% | 1,528 |
| Credit loss provision to net charge-offs | 555.0000% | 545 |
| Earnings coverage of net charge-offs (x) | 32.6000% | 1,195 |
| Efficiency ratio | 55.0346% | 4,690 |
| Assets per employee ($millions) | 9.8871% | 337 |
| Cash dividends to net income (ytd only)* | 12.9832% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9851% | 4,043 |
| Loan loss allowance to noncurrent loans | 220.5074% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.4600% | 3,005 |
| Noncurrent loans to loans | 0.4467% | 3,196 |
| Net loans and leases to total assets | 84.8269% | 354 |
| Net loans and leases to deposits | 105.6645% | 397 |
| Net loans and leases to core deposits | 123.7066% | 480 |
| Total domestic deposits to total assets | 80.2795% | 4,370 |
| Equity capital to assets | 11.2430% | 2,356 |
| Core capital (leverage) ratio | 10.6464% | 2,799 |
| Tier 1 risk-based capital ratio | 10.8708% | 5,204 |
| Total risk-based capital ratio | 13.2718% | 4,424 |
| Memoranda: | ||
| Average total assets | $1,467,694,000 | 548 |
| Average earning assets | $1,381,653,500 | 534 |
| Average equity | $164,995,000 | 524 |
| Average total loans | $1,248,981,500 | 461 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3424% | 2,203 |
| Cost of funding earning assets | 0.9784% | 242 |
| Net interest margin | 3.3641% | 3,956 |
| Noninterest income to average assets | 0.1750% | 5,084 |
| Noninterest expense to average assets | 1.9870% | 4,981 |
| Loan and lease loss provision to assets | 0.2148% | 920 |
| Net operating income to assets | 0.5615% | 4,184 |
| Return on assets (ROA) | 0.5615% | 4,214 |
| Pretax return on assets | 1.1578% | 2,955 |
| Return on Equity (ROE) | 5.4882% | 3,971 |
| Retained earnings to average equity (ytd only) | 4.7991% | 2,260 |
| Net charge-offs to loans | 0.0769% | 2,352 |
| Credit loss provision to net charge-offs | 332.7114% | 867 |
| Earnings coverage of net charge-offs (x) | 21.2624% | 1,916 |
| Efficiency ratio | 58.8987% | 4,428 |
| Assets per employee ($millions) | 9.6822% | 357 |
| Cash dividends to net income (ytd only)* | 12.5554% | 3,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9530% | 4,195 |
| Loan loss allowance to noncurrent loans | 220.7398% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.4463% | 3,083 |
| Noncurrent loans to loans | 0.4317% | 3,241 |
| Net loans and leases to total assets | 83.7081% | 478 |
| Net loans and leases to deposits | 104.1657% | 485 |
| Net loans and leases to core deposits | 118.5653% | 630 |
| Total domestic deposits to total assets | 80.3605% | 4,272 |
| Equity capital to assets | 11.2406% | 2,402 |
| Core capital (leverage) ratio | 10.5358% | 2,804 |
| Tier 1 risk-based capital ratio | 11.0491% | 5,113 |
| Total risk-based capital ratio | 13.4911% | 4,271 |
| Memoranda: | ||
| Average total assets | $1,245,470,600 | 612 |
| Average earning assets | $1,179,012,200 | 595 |
| Average equity | $127,419,200 | 646 |
| Average total loans | $1,046,110,600 | 518 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1877% | 2,659 |
| Cost of funding earning assets | 0.9603% | 237 |
| Net interest margin | 3.2273% | 4,391 |
| Noninterest income to average assets | 0.1747% | 5,141 |
| Noninterest expense to average assets | 1.9534% | 5,037 |
| Loan and lease loss provision to assets | 0.2189% | 847 |
| Net operating income to assets | 0.7159% | 3,897 |
| Return on assets (ROA) | 0.7159% | 3,957 |
| Pretax return on assets | 1.0636% | 3,443 |
| Return on Equity (ROE) | 7.2145% | 3,539 |
| Retained earnings to average equity (ytd only) | 6.6191% | 1,897 |
| Net charge-offs to loans | 0.0689% | 2,136 |
| Credit loss provision to net charge-offs | 379.1103% | 809 |
| Earnings coverage of net charge-offs (x) | 22.2107% | 1,875 |
| Efficiency ratio | 60.1836% | 4,182 |
| Assets per employee ($millions) | 10.1887% | 297 |
| Cash dividends to net income (ytd only)* | 8.2528% | 3,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9422% | 4,362 |
| Loan loss allowance to noncurrent loans | 167.0967% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.6062% | 2,696 |
| Noncurrent loans to loans | 0.5639% | 3,007 |
| Net loans and leases to total assets | 81.8872% | 709 |
| Net loans and leases to deposits | 102.8545% | 557 |
| Net loans and leases to core deposits | 119.7021% | 600 |
| Total domestic deposits to total assets | 79.6146% | 4,414 |
| Equity capital to assets | 11.2680% | 2,603 |
| Core capital (leverage) ratio | 12.4119% | 1,453 |
| Tier 1 risk-based capital ratio | 11.3768% | 5,031 |
| Total risk-based capital ratio | 13.8709% | 4,149 |
| Memoranda: | ||
| Average total assets | $1,193,756,250 | 629 |
| Average earning assets | $1,132,342,500 | 616 |
| Average equity | $118,461,500 | 695 |
| Average total loans | $1,000,785,000 | 542 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1620% | 2,624 |
| Cost of funding earning assets | 0.9903% | 184 |
| Net interest margin | 3.1717% | 4,493 |
| Noninterest income to average assets | 0.1682% | 5,215 |
| Noninterest expense to average assets | 1.9313% | 5,119 |
| Loan and lease loss provision to assets | 0.2243% | 779 |
| Net operating income to assets | 0.7085% | 3,804 |
| Return on assets (ROA) | 0.7085% | 3,871 |
| Pretax return on assets | 1.0330% | 3,436 |
| Return on Equity (ROE) | 7.5864% | 3,248 |
| Retained earnings to average equity (ytd only) | 7.1443% | 1,521 |
| Net charge-offs to loans | 0.0359% | 2,476 |
| Credit loss provision to net charge-offs | 740.4762% | 479 |
| Earnings coverage of net charge-offs (x) | 41.5119% | 1,217 |
| Efficiency ratio | 60.4116% | 4,262 |
| Assets per employee ($millions) | 9.9875% | 302 |
| Cash dividends to net income (ytd only)* | 5.8270% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0974% | 3,596 |
| Loan loss allowance to noncurrent loans | 221.8108% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.5293% | 3,003 |
| Noncurrent loans to loans | 0.4948% | 3,271 |
| Net loans and leases to total assets | 84.8066% | 360 |
| Net loans and leases to deposits | 103.8442% | 503 |
| Net loans and leases to core deposits | 118.8437% | 605 |
| Total domestic deposits to total assets | 81.6672% | 3,985 |
| Equity capital to assets | 11.3046% | 2,493 |
| Core capital (leverage) ratio | 11.7377% | 1,806 |
| Tier 1 risk-based capital ratio | 11.8302% | 4,742 |
| Total risk-based capital ratio | 14.7971% | 3,589 |
| Memoranda: | ||
| Average total assets | $1,109,411,670 | 673 |
| Average earning assets | $1,056,458,000 | 644 |
| Average equity | $103,607,000 | 791 |
| Average total loans | $935,711,670 | 573 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1263% | 2,561 |
| Cost of funding earning assets | 0.9889% | 174 |
| Net interest margin | 3.1374% | 4,537 |
| Noninterest income to average assets | 0.1718% | 5,252 |
| Noninterest expense to average assets | 1.9538% | 5,143 |
| Loan and lease loss provision to assets | 0.1615% | 1,115 |
| Net operating income to assets | 0.7164% | 3,629 |
| Return on assets (ROA) | 0.7164% | 3,670 |
| Pretax return on assets | 1.0431% | 3,191 |
| Return on Equity (ROE) | 8.6427% | 2,598 |
| Retained earnings to average equity (ytd only) | 8.6427% | 1,215 |
| Net charge-offs to loans | 0.0644% | 1,687 |
| Credit loss provision to net charge-offs | 300.0000% | 777 |
| Earnings coverage of net charge-offs (x) | 22.3767% | 1,416 |
| Efficiency ratio | 61.6857% | 4,197 |
| Assets per employee ($millions) | 10.5423% | 258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1055% | 3,691 |
| Loan loss allowance to noncurrent loans | 193.3499% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.5811% | 2,911 |
| Noncurrent loans to loans | 0.5717% | 3,091 |
| Net loans and leases to total assets | 82.5580% | 506 |
| Net loans and leases to deposits | 96.8786% | 858 |
| Net loans and leases to core deposits | 109.3245% | 913 |
| Total domestic deposits to total assets | 85.2180% | 2,996 |
| Equity capital to assets | 8.3040% | 5,353 |
| Core capital (leverage) ratio | 8.4068% | 5,296 |
| Tier 1 risk-based capital ratio | 8.8193% | 5,815 |
| Total risk-based capital ratio | 11.9263% | 5,387 |
| Memoranda: | ||
| Average total assets | $1,084,844,500 | 693 |
| Average earning assets | $1,032,690,000 | 665 |
| Average equity | $89,926,000 | 911 |
| Average total loans | $906,854,500 | 592 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1755% | 2,567 |
| Cost of funding earning assets | 1.0267% | 147 |
| Net interest margin | 3.1488% | 4,587 |
| Noninterest income to average assets | 0.1632% | 5,397 |
| Noninterest expense to average assets | 1.8967% | 5,367 |
| Loan and lease loss provision to assets | 0.2795% | 714 |
| Net operating income to assets | 0.6622% | 3,941 |
| Return on assets (ROA) | 0.6639% | 4,050 |
| Pretax return on assets | 0.9850% | 3,528 |
| Return on Equity (ROE) | 7.9866% | 2,943 |
| Retained earnings to average equity (ytd only) | 7.7023% | 960 |
| Net charge-offs to loans | 0.1020% | 2,255 |
| Credit loss provision to net charge-offs | 332.5524% | 908 |
| Earnings coverage of net charge-offs (x) | 15.0136% | 2,243 |
| Efficiency ratio | 59.8464% | 4,606 |
| Assets per employee ($millions) | 9.9379% | 305 |
| Cash dividends to net income (ytd only)* | 3.5592% | 4,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0937% | 3,746 |
| Loan loss allowance to noncurrent loans | 164.6724% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.6763% | 2,682 |
| Noncurrent loans to loans | 0.6642% | 2,868 |
| Net loans and leases to total assets | 82.7921% | 502 |
| Net loans and leases to deposits | 99.2926% | 718 |
| Net loans and leases to core deposits | 112.2767% | 770 |
| Total domestic deposits to total assets | 83.3820% | 3,635 |
| Equity capital to assets | 8.2742% | 5,435 |
| Core capital (leverage) ratio | 8.5594% | 5,205 |
| Tier 1 risk-based capital ratio | 8.7823% | 5,865 |
| Total risk-based capital ratio | 11.9087% | 5,422 |
| Memoranda: | ||
| Average total assets | $964,922,000 | 748 |
| Average earning assets | $917,903,200 | 722 |
| Average equity | $80,209,400 | 985 |
| Average total loans | $795,005,800 | 630 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2010% | 2,509 |
| Cost of funding earning assets | 1.0470% | 131 |
| Net interest margin | 3.1540% | 4,625 |
| Noninterest income to average assets | 0.1429% | 5,544 |
| Noninterest expense to average assets | 1.9314% | 5,333 |
| Loan and lease loss provision to assets | 0.2478% | 766 |
| Net operating income to assets | 0.6516% | 4,079 |
| Return on assets (ROA) | 0.6540% | 4,183 |
| Pretax return on assets | 0.9677% | 3,750 |
| Return on Equity (ROE) | 7.8570% | 3,082 |
| Retained earnings to average equity (ytd only) | 7.8570% | 1,228 |
| Net charge-offs to loans | 0.0671% | 2,370 |
| Credit loss provision to net charge-offs | 450.3876% | 774 |
| Earnings coverage of net charge-offs (x) | 22.0283% | 1,787 |
| Efficiency ratio | 61.2302% | 4,350 |
| Assets per employee ($millions) | 9.6893% | 327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1238% | 3,710 |
| Loan loss allowance to noncurrent loans | 252.4029% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.4828% | 3,504 |
| Noncurrent loans to loans | 0.4453% | 3,687 |
| Net loans and leases to total assets | 81.1628% | 735 |
| Net loans and leases to deposits | 93.5613% | 1,307 |
| Net loans and leases to core deposits | 105.1013% | 1,270 |
| Total domestic deposits to total assets | 86.7482% | 2,006 |
| Equity capital to assets | 8.6796% | 5,413 |
| Core capital (leverage) ratio | 8.8865% | 4,957 |
| Tier 1 risk-based capital ratio | 9.3335% | 5,895 |
| Total risk-based capital ratio | 12.6666% | 5,040 |
| Memoranda: | ||
| Average total assets | $937,829,000 | 766 |
| Average earning assets | $892,177,750 | 740 |
| Average equity | $78,060,000 | 1,023 |
| Average total loans | $769,150,000 | 648 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2054% | 2,501 |
| Cost of funding earning assets | 1.0681% | 103 |
| Net interest margin | 3.1374% | 4,730 |
| Noninterest income to average assets | 0.1332% | 5,646 |
| Noninterest expense to average assets | 1.9203% | 5,419 |
| Loan and lease loss provision to assets | 0.3175% | 547 |
| Net operating income to assets | 0.6083% | 4,232 |
| Return on assets (ROA) | 0.6121% | 4,340 |
| Pretax return on assets | 0.8859% | 4,005 |
| Return on Equity (ROE) | 7.4714% | 3,278 |
| Retained earnings to average equity (ytd only) | 7.4714% | 1,399 |
| Net charge-offs to loans | 0.0952% | 1,890 |
| Credit loss provision to net charge-offs | 406.7227% | 768 |
| Earnings coverage of net charge-offs (x) | 15.3445% | 1,999 |
| Efficiency ratio | 61.3577% | 4,450 |
| Assets per employee ($millions) | 9.0719% | 374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1274% | 3,800 |
| Loan loss allowance to noncurrent loans | 161.4835% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.7459% | 2,738 |
| Noncurrent loans to loans | 0.6981% | 2,985 |
| Net loans and leases to total assets | 81.6313% | 668 |
| Net loans and leases to deposits | 92.9780% | 1,395 |
| Net loans and leases to core deposits | 103.6693% | 1,344 |
| Total domestic deposits to total assets | 87.7964% | 1,529 |
| Equity capital to assets | 8.8123% | 5,391 |
| Core capital (leverage) ratio | 8.9882% | 4,840 |
| Tier 1 risk-based capital ratio | 9.4865% | 5,951 |
| Total risk-based capital ratio | 12.9180% | 4,950 |
| Memoranda: | ||
| Average total assets | $914,543,670 | 787 |
| Average earning assets | $870,158,000 | 757 |
| Average equity | $74,925,670 | 1,064 |
| Average total loans | $749,813,000 | 667 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2969% | 2,145 |
| Cost of funding earning assets | 1.0780% | 107 |
| Net interest margin | 3.2188% | 4,518 |
| Noninterest income to average assets | 0.1313% | 5,688 |
| Noninterest expense to average assets | 1.9520% | 5,427 |
| Loan and lease loss provision to assets | 0.3668% | 400 |
| Net operating income to assets | 0.6040% | 4,161 |
| Return on assets (ROA) | 0.6119% | 4,244 |
| Pretax return on assets | 0.8781% | 3,940 |
| Return on Equity (ROE) | 7.7910% | 3,036 |
| Retained earnings to average equity (ytd only) | 7.7910% | 1,545 |
| Net charge-offs to loans | 0.1624% | 1,159 |
| Credit loss provision to net charge-offs | 276.5306% | 897 |
| Earnings coverage of net charge-offs (x) | 9.2993% | 1,995 |
| Efficiency ratio | 61.0340% | 4,596 |
| Assets per employee ($millions) | 8.9945% | 388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1158% | 3,963 |
| Loan loss allowance to noncurrent loans | 206.6194% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.6283% | 3,181 |
| Noncurrent loans to loans | 0.5400% | 3,569 |
| Net loans and leases to total assets | 81.7134% | 599 |
| Net loans and leases to deposits | 93.8280% | 1,163 |
| Net loans and leases to core deposits | 102.4687% | 1,298 |
| Total domestic deposits to total assets | 87.0884% | 2,165 |
| Equity capital to assets | 7.6816% | 5,911 |
| Core capital (leverage) ratio | 7.7284% | 5,869 |
| Tier 1 risk-based capital ratio | 8.1674% | 6,074 |
| Total risk-based capital ratio | 11.6867% | 5,696 |
| Memoranda: | ||
| Average total assets | $886,471,000 | 822 |
| Average earning assets | $841,170,500 | 785 |
| Average equity | $69,618,500 | 1,131 |
| Average total loans | $724,009,000 | 688 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2685% | 2,318 |
| Cost of funding earning assets | 0.9631% | 208 |
| Net interest margin | 3.3055% | 4,281 |
| Noninterest income to average assets | 0.2136% | 5,315 |
| Noninterest expense to average assets | 2.3151% | 4,739 |
| Loan and lease loss provision to assets | 0.3485% | 427 |
| Net operating income to assets | 0.5065% | 4,669 |
| Return on assets (ROA) | 0.5076% | 4,751 |
| Pretax return on assets | 0.6623% | 4,641 |
| Return on Equity (ROE) | 5.7889% | 4,136 |
| Retained earnings to average equity (ytd only) | 5.7889% | 1,901 |
| Net charge-offs to loans | 0.1401% | 1,945 |
| Credit loss provision to net charge-offs | 320.4082% | 930 |
| Earnings coverage of net charge-offs (x) | 9.2797% | 2,837 |
| Efficiency ratio | 69.3625% | 3,330 |
| Assets per employee ($millions) | 8.6414% | 445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1509% | 3,747 |
| Loan loss allowance to noncurrent loans | 203.4333% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.6382% | 3,149 |
| Noncurrent loans to loans | 0.5657% | 3,478 |
| Net loans and leases to total assets | 79.7132% | 878 |
| Net loans and leases to deposits | 92.2771% | 1,372 |
| Net loans and leases to core deposits | 99.3274% | 1,569 |
| Total domestic deposits to total assets | 86.3846% | 2,441 |
| Equity capital to assets | 8.0377% | 5,838 |
| Core capital (leverage) ratio | 8.2232% | 5,673 |
| Tier 1 risk-based capital ratio | 8.5811% | 6,125 |
| Total risk-based capital ratio | 12.2882% | 5,401 |
| Memoranda: | ||
| Average total assets | $765,792,800 | 906 |
| Average earning assets | $720,716,400 | 881 |
| Average equity | $67,145,600 | 1,129 |
| Average total loans | $594,454,800 | 786 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3089% | 2,196 |
| Cost of funding earning assets | 0.9271% | 251 |
| Net interest margin | 3.3818% | 4,029 |
| Noninterest income to average assets | 0.2421% | 5,197 |
| Noninterest expense to average assets | 2.3424% | 4,670 |
| Loan and lease loss provision to assets | 0.3083% | 464 |
| Net operating income to assets | 0.5727% | 4,515 |
| Return on assets (ROA) | 0.5741% | 4,601 |
| Pretax return on assets | 0.7729% | 4,415 |
| Return on Equity (ROE) | 6.3947% | 3,960 |
| Retained earnings to average equity (ytd only) | 6.3947% | 2,020 |
| Net charge-offs to loans | 0.1549% | 1,591 |
| Credit loss provision to net charge-offs | 259.2760% | 1,104 |
| Earnings coverage of net charge-offs (x) | 9.0754% | 2,741 |
| Efficiency ratio | 68.1816% | 3,504 |
| Assets per employee ($millions) | 7.8450% | 582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 3,786 |
| Loan loss allowance to noncurrent loans | 151.4062% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 0.8037% | 2,878 |
| Noncurrent loans to loans | 0.7768% | 3,022 |
| Net loans and leases to total assets | 74.4568% | 1,647 |
| Net loans and leases to deposits | 85.6632% | 2,180 |
| Net loans and leases to core deposits | 92.0366% | 2,261 |
| Total domestic deposits to total assets | 86.9181% | 2,085 |
| Equity capital to assets | 8.4555% | 5,730 |
| Core capital (leverage) ratio | 8.7143% | 5,334 |
| Tier 1 risk-based capital ratio | 9.6053% | 6,128 |
| Total risk-based capital ratio | 13.6833% | 4,714 |
| Memoranda: | ||
| Average total assets | $743,365,750 | 938 |
| Average earning assets | $698,902,000 | 919 |
| Average equity | $66,741,250 | 1,140 |
| Average total loans | $570,596,750 | 823 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3871% | 1,897 |
| Cost of funding earning assets | 0.8776% | 320 |
| Net interest margin | 3.5094% | 3,461 |
| Noninterest income to average assets | 0.3040% | 4,777 |
| Noninterest expense to average assets | 2.4186% | 4,490 |
| Loan and lease loss provision to assets | 0.1906% | 1,048 |
| Net operating income to assets | 0.6863% | 3,954 |
| Return on assets (ROA) | 0.6863% | 4,069 |
| Pretax return on assets | 0.9886% | 3,626 |
| Return on Equity (ROE) | 7.4818% | 3,331 |
| Retained earnings to average equity (ytd only) | 7.4818% | 1,485 |
| Net charge-offs to loans | 0.0133% | 3,462 |
| Credit loss provision to net charge-offs | 1,859.4595% | 208 |
| Earnings coverage of net charge-offs (x) | 115.0270% | 543 |
| Efficiency ratio | 66.9465% | 3,846 |
| Assets per employee ($millions) | 7.2099% | 762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1631% | 4,010 |
| Loan loss allowance to noncurrent loans | 138.2239% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 0.9067% | 2,718 |
| Noncurrent loans to loans | 0.8415% | 3,019 |
| Net loans and leases to total assets | 75.8224% | 1,387 |
| Net loans and leases to deposits | 87.9479% | 1,843 |
| Net loans and leases to core deposits | 93.7957% | 1,978 |
| Total domestic deposits to total assets | 86.2129% | 2,572 |
| Equity capital to assets | 8.8764% | 5,366 |
| Core capital (leverage) ratio | 8.8783% | 5,119 |
| Tier 1 risk-based capital ratio | 10.0766% | 6,061 |
| Total risk-based capital ratio | 14.3543% | 4,372 |
| Memoranda: | ||
| Average total assets | $721,810,670 | 966 |
| Average earning assets | $677,492,000 | 955 |
| Average equity | $66,214,000 | 1,157 |
| Average total loans | $557,864,330 | 846 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5065% | 1,434 |
| Cost of funding earning assets | 0.7943% | 521 |
| Net interest margin | 3.7123% | 2,575 |
| Noninterest income to average assets | 0.4726% | 3,487 |
| Noninterest expense to average assets | 2.5186% | 4,207 |
| Loan and lease loss provision to assets | 0.0318% | 3,251 |
| Net operating income to assets | 0.9821% | 2,337 |
| Return on assets (ROA) | 0.9821% | 2,468 |
| Pretax return on assets | 1.4053% | 1,871 |
| Return on Equity (ROE) | 10.5231% | 1,791 |
| Retained earnings to average equity (ytd only) | 10.5231% | 807 |
| Net charge-offs to loans | -0.0154% | 4,925 |
| Credit loss provision to net charge-offs | -266.6667% | 4,676 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4118% | 4,570 |
| Assets per employee ($millions) | 7.7759% | 601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1340% | 4,352 |
| Loan loss allowance to noncurrent loans | 114.1670% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 1.0153% | 2,589 |
| Noncurrent loans to loans | 0.9933% | 2,780 |
| Net loans and leases to total assets | 73.7265% | 1,545 |
| Net loans and leases to deposits | 83.1220% | 2,194 |
| Net loans and leases to core deposits | 88.5629% | 2,263 |
| Total domestic deposits to total assets | 88.6968% | 1,453 |
| Equity capital to assets | 9.1232% | 5,171 |
| Core capital (leverage) ratio | 9.4609% | 4,334 |
| Tier 1 risk-based capital ratio | 10.7331% | 5,927 |
| Total risk-based capital ratio | 11.7350% | 5,964 |
| Memoranda: | ||
| Average total assets | $704,196,500 | 991 |
| Average earning assets | $660,727,500 | 973 |
| Average equity | $65,722,000 | 1,167 |
| Average total loans | $546,416,500 | 860 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5341% | 1,749 |
| Cost of funding earning assets | 0.7399% | 896 |
| Net interest margin | 3.7942% | 2,646 |
| Noninterest income to average assets | 0.8475% | 1,689 |
| Noninterest expense to average assets | 2.6416% | 4,077 |
| Loan and lease loss provision to assets | 0.4067% | 433 |
| Net operating income to assets | 0.9694% | 2,531 |
| Return on assets (ROA) | 0.9734% | 2,589 |
| Pretax return on assets | 1.3434% | 2,096 |
| Return on Equity (ROE) | 9.5528% | 2,313 |
| Retained earnings to average equity (ytd only) | 9.5528% | 593 |
| Net charge-offs to loans | 0.2184% | 1,923 |
| Credit loss provision to net charge-offs | 241.6254% | 1,053 |
| Earnings coverage of net charge-offs (x) | 10.3647% | 2,618 |
| Efficiency ratio | 59.9886% | 5,228 |
| Assets per employee ($millions) | 7.2070% | 757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1144% | 4,471 |
| Loan loss allowance to noncurrent loans | 86.0809% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 1.3688% | 2,039 |
| Noncurrent loans to loans | 1.2945% | 2,287 |
| Net loans and leases to total assets | 79.9540% | 745 |
| Net loans and leases to deposits | 90.8083% | 1,433 |
| Net loans and leases to core deposits | 96.6235% | 1,669 |
| Total domestic deposits to total assets | 88.0471% | 1,746 |
| Equity capital to assets | 9.5591% | 4,644 |
| Core capital (leverage) ratio | 9.7179% | 3,944 |
| Tier 1 risk-based capital ratio | 10.9598% | 5,921 |
| Total risk-based capital ratio | 11.9964% | 5,948 |
| Memoranda: | ||
| Average total assets | $599,521,200 | 1,108 |
| Average earning assets | $559,118,200 | 1,088 |
| Average equity | $61,092,200 | 1,198 |
| Average total loans | $462,008,800 | 961 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4723% | 1,968 |
| Cost of funding earning assets | 0.7313% | 986 |
| Net interest margin | 3.7410% | 2,855 |
| Noninterest income to average assets | 0.9450% | 1,372 |
| Noninterest expense to average assets | 2.6352% | 4,077 |
| Loan and lease loss provision to assets | 0.3427% | 520 |
| Net operating income to assets | 1.2003% | 1,677 |
| Return on assets (ROA) | 1.2068% | 1,725 |
| Pretax return on assets | 1.4546% | 1,793 |
| Return on Equity (ROE) | 11.6324% | 1,580 |
| Retained earnings to average equity (ytd only) | 11.6324% | 442 |
| Net charge-offs to loans | 0.1982% | 1,883 |
| Credit loss provision to net charge-offs | 227.6336% | 1,142 |
| Earnings coverage of net charge-offs (x) | 11.8855% | 2,368 |
| Efficiency ratio | 59.3278% | 5,274 |
| Assets per employee ($millions) | 7.2303% | 725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0913% | 4,786 |
| Loan loss allowance to noncurrent loans | 118.1097% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 1.0763% | 2,804 |
| Noncurrent loans to loans | 0.9239% | 3,251 |
| Net loans and leases to total assets | 77.6220% | 1,002 |
| Net loans and leases to deposits | 88.6524% | 1,597 |
| Net loans and leases to core deposits | 93.9427% | 1,868 |
| Total domestic deposits to total assets | 87.5577% | 2,007 |
| Equity capital to assets | 9.9293% | 4,258 |
| Core capital (leverage) ratio | 10.0519% | 3,600 |
| Tier 1 risk-based capital ratio | 11.3842% | 5,845 |
| Total risk-based capital ratio | 12.3905% | 5,891 |
| Memoranda: | ||
| Average total assets | $580,037,000 | 1,150 |
| Average earning assets | $539,518,000 | 1,129 |
| Average equity | $60,175,500 | 1,219 |
| Average total loans | $440,571,250 | 1,007 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4467% | 2,007 |
| Cost of funding earning assets | 0.7378% | 979 |
| Net interest margin | 3.7089% | 2,924 |
| Noninterest income to average assets | 1.0814% | 1,019 |
| Noninterest expense to average assets | 2.6270% | 4,150 |
| Loan and lease loss provision to assets | 0.1839% | 1,330 |
| Net operating income to assets | 1.4786% | 912 |
| Return on assets (ROA) | 1.4890% | 922 |
| Pretax return on assets | 1.7313% | 959 |
| Return on Equity (ROE) | 14.1205% | 932 |
| Retained earnings to average equity (ytd only) | 14.1205% | 258 |
| Net charge-offs to loans | 0.0787% | 2,907 |
| Credit loss provision to net charge-offs | 311.5152% | 833 |
| Earnings coverage of net charge-offs (x) | 32.2303% | 1,199 |
| Efficiency ratio | 57.7929% | 5,578 |
| Assets per employee ($millions) | 6.4278% | 1,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0761% | 4,998 |
| Loan loss allowance to noncurrent loans | 147.2882% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.9248% | 3,237 |
| Noncurrent loans to loans | 0.7306% | 3,870 |
| Net loans and leases to total assets | 75.6338% | 1,216 |
| Net loans and leases to deposits | 86.7907% | 1,738 |
| Net loans and leases to core deposits | 90.2293% | 2,106 |
| Total domestic deposits to total assets | 87.1451% | 2,377 |
| Equity capital to assets | 10.2919% | 3,705 |
| Core capital (leverage) ratio | 10.1652% | 3,396 |
| Tier 1 risk-based capital ratio | 12.0478% | 5,515 |
| Total risk-based capital ratio | 13.0366% | 5,584 |
| Memoranda: | ||
| Average total assets | $558,883,000 | 1,194 |
| Average earning assets | $519,665,330 | 1,171 |
| Average equity | $58,935,670 | 1,241 |
| Average total loans | $419,092,330 | 1,043 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1582% | 3,039 |
| Cost of funding earning assets | 0.7510% | 966 |
| Net interest margin | 3.4071% | 4,086 |
| Noninterest income to average assets | 2.0593% | 324 |
| Noninterest expense to average assets | 2.4188% | 4,874 |
| Loan and lease loss provision to assets | 0.1336% | 1,813 |
| Net operating income to assets | 2.4300% | 163 |
| Return on assets (ROA) | 2.4300% | 173 |
| Pretax return on assets | 2.6732% | 185 |
| Return on Equity (ROE) | 22.7308% | 178 |
| Retained earnings to average equity (ytd only) | 22.7308% | 77 |
| Net charge-offs to loans | 0.1255% | 1,964 |
| Credit loss provision to net charge-offs | 143.5484% | 1,294 |
| Earnings coverage of net charge-offs (x) | 30.1613% | 1,052 |
| Efficiency ratio | 46.2875% | 6,415 |
| Assets per employee ($millions) | 6.5847% | 974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0499% | 5,316 |
| Loan loss allowance to noncurrent loans | 77.0572% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 1.4023% | 2,533 |
| Noncurrent loans to loans | 1.3625% | 2,754 |
| Net loans and leases to total assets | 74.3802% | 1,213 |
| Net loans and leases to deposits | 85.3655% | 1,689 |
| Net loans and leases to core deposits | 88.7051% | 2,026 |
| Total domestic deposits to total assets | 87.1314% | 2,735 |
| Equity capital to assets | 10.2556% | 3,530 |
| Core capital (leverage) ratio | 12.0864% | 1,605 |
| Tier 1 risk-based capital ratio | 12.0762% | 5,591 |
| Total risk-based capital ratio | 13.0251% | 5,711 |
| Memoranda: | ||
| Average total assets | $533,002,000 | 1,270 |
| Average earning assets | $495,313,000 | 1,253 |
| Average equity | $56,980,000 | 1,277 |
| Average total loans | $395,199,500 | 1,111 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4661% | 2,341 |
| Cost of funding earning assets | 0.9173% | 673 |
| Net interest margin | 3.5487% | 3,690 |
| Noninterest income to average assets | 0.1332% | 6,265 |
| Noninterest expense to average assets | 2.3608% | 5,199 |
| Loan and lease loss provision to assets | 0.3864% | 781 |
| Net operating income to assets | 0.4248% | 5,057 |
| Return on assets (ROA) | 0.4277% | 5,161 |
| Pretax return on assets | 0.6979% | 4,550 |
| Return on Equity (ROE) | 4.8141% | 4,711 |
| Retained earnings to average equity (ytd only) | 4.8141% | 2,723 |
| Net charge-offs to loans | 0.3204% | 2,078 |
| Credit loss provision to net charge-offs | 162.0798% | 1,415 |
| Earnings coverage of net charge-offs (x) | 4.5294% | 3,541 |
| Efficiency ratio | 68.6149% | 4,077 |
| Assets per employee ($millions) | 7.9117% | 489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3751% | 3,768 |
| Loan loss allowance to noncurrent loans | 140.1379% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 1.0711% | 3,268 |
| Noncurrent loans to loans | 0.9812% | 3,558 |
| Net loans and leases to total assets | 71.8307% | 1,712 |
| Net loans and leases to deposits | 84.0113% | 1,943 |
| Net loans and leases to core deposits | 87.3277% | 2,317 |
| Total domestic deposits to total assets | 85.5013% | 3,507 |
| Equity capital to assets | 11.2485% | 2,385 |
| Core capital (leverage) ratio | 11.8884% | 1,687 |
| Tier 1 risk-based capital ratio | 14.1145% | 4,219 |
| Total risk-based capital ratio | 15.3510% | 4,172 |
| Memoranda: | ||
| Average total assets | $399,316,200 | 1,652 |
| Average earning assets | $372,163,200 | 1,625 |
| Average equity | $35,479,400 | 1,942 |
| Average total loans | $297,172,600 | 1,416 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5175% | 2,165 |
| Cost of funding earning assets | 0.9290% | 711 |
| Net interest margin | 3.5885% | 3,500 |
| Noninterest income to average assets | 0.1443% | 6,312 |
| Noninterest expense to average assets | 2.4198% | 4,959 |
| Loan and lease loss provision to assets | 0.2824% | 1,227 |
| Net operating income to assets | 0.4830% | 4,878 |
| Return on assets (ROA) | 0.4870% | 5,010 |
| Pretax return on assets | 0.7949% | 4,313 |
| Return on Equity (ROE) | 5.9656% | 4,210 |
| Retained earnings to average equity (ytd only) | 5.9656% | 2,436 |
| Net charge-offs to loans | 0.1638% | 2,919 |
| Credit loss provision to net charge-offs | 230.1136% | 1,056 |
| Earnings coverage of net charge-offs (x) | 8.7273% | 2,584 |
| Efficiency ratio | 69.3199% | 3,866 |
| Assets per employee ($millions) | 7.3396% | 629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4465% | 3,697 |
| Loan loss allowance to noncurrent loans | 153.8097% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 1.0695% | 3,518 |
| Noncurrent loans to loans | 0.9404% | 3,937 |
| Net loans and leases to total assets | 72.6957% | 1,503 |
| Net loans and leases to deposits | 81.8078% | 2,161 |
| Net loans and leases to core deposits | 85.1714% | 2,517 |
| Total domestic deposits to total assets | 88.8616% | 1,640 |
| Equity capital to assets | 7.4139% | 6,421 |
| Core capital (leverage) ratio | 7.8412% | 6,305 |
| Tier 1 risk-based capital ratio | 9.0158% | 6,722 |
| Total risk-based capital ratio | 10.2663% | 6,724 |
| Memoranda: | ||
| Average total assets | $382,447,250 | 1,726 |
| Average earning assets | $356,649,500 | 1,695 |
| Average equity | $31,222,500 | 2,192 |
| Average total loans | $286,472,000 | 1,485 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5132% | 2,154 |
| Cost of funding earning assets | 0.9413% | 737 |
| Net interest margin | 3.5718% | 3,480 |
| Noninterest income to average assets | 0.1766% | 6,152 |
| Noninterest expense to average assets | 2.4520% | 4,890 |
| Loan and lease loss provision to assets | 0.2793% | 1,312 |
| Net operating income to assets | 0.4855% | 4,861 |
| Return on assets (ROA) | 0.4918% | 5,011 |
| Pretax return on assets | 0.7853% | 4,366 |
| Return on Equity (ROE) | 5.8181% | 4,276 |
| Retained earnings to average equity (ytd only) | 5.8181% | 2,546 |
| Net charge-offs to loans | 0.1789% | 2,685 |
| Credit loss provision to net charge-offs | 207.2581% | 1,159 |
| Earnings coverage of net charge-offs (x) | 7.8266% | 2,497 |
| Efficiency ratio | 69.9210% | 3,845 |
| Assets per employee ($millions) | 6.7933% | 797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4911% | 3,629 |
| Loan loss allowance to noncurrent loans | 161.5299% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 1.0785% | 3,580 |
| Noncurrent loans to loans | 0.9231% | 4,077 |
| Net loans and leases to total assets | 75.5403% | 1,038 |
| Net loans and leases to deposits | 84.9663% | 1,688 |
| Net loans and leases to core deposits | 88.0589% | 2,100 |
| Total domestic deposits to total assets | 88.9061% | 1,682 |
| Equity capital to assets | 8.1483% | 6,098 |
| Core capital (leverage) ratio | 8.3014% | 5,887 |
| Tier 1 risk-based capital ratio | 9.7943% | 6,678 |
| Total risk-based capital ratio | 11.0459% | 6,657 |
| Memoranda: | ||
| Average total assets | $368,030,000 | 1,781 |
| Average earning assets | $343,130,000 | 1,750 |
| Average equity | $31,109,670 | 2,208 |
| Average total loans | $277,293,670 | 1,525 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4916% | 2,202 |
| Cost of funding earning assets | 0.9575% | 758 |
| Net interest margin | 3.5341% | 3,548 |
| Noninterest income to average assets | 0.1404% | 6,403 |
| Noninterest expense to average assets | 2.4044% | 5,106 |
| Loan and lease loss provision to assets | 0.3692% | 869 |
| Net operating income to assets | 0.4073% | 5,102 |
| Return on assets (ROA) | 0.4201% | 5,198 |
| Pretax return on assets | 0.6755% | 4,678 |
| Return on Equity (ROE) | 4.8772% | 4,646 |
| Retained earnings to average equity (ytd only) | 4.8772% | 3,311 |
| Net charge-offs to loans | 0.2073% | 2,175 |
| Credit loss provision to net charge-offs | 238.5714% | 954 |
| Earnings coverage of net charge-offs (x) | 6.6214% | 2,193 |
| Efficiency ratio | 70.1161% | 3,947 |
| Assets per employee ($millions) | 7.3126% | 665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5272% | 3,709 |
| Loan loss allowance to noncurrent loans | 134.5706% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 1.2758% | 3,425 |
| Noncurrent loans to loans | 1.1349% | 3,886 |
| Net loans and leases to total assets | 73.9626% | 1,086 |
| Net loans and leases to deposits | 83.4109% | 1,652 |
| Net loans and leases to core deposits | 87.0792% | 2,000 |
| Total domestic deposits to total assets | 88.6726% | 1,887 |
| Equity capital to assets | 8.3943% | 6,107 |
| Core capital (leverage) ratio | 8.4119% | 5,691 |
| Tier 1 risk-based capital ratio | 10.0145% | 6,689 |
| Total risk-based capital ratio | 11.2664% | 6,680 |
| Memoranda: | ||
| Average total assets | $361,832,500 | 1,826 |
| Average earning assets | $336,720,500 | 1,797 |
| Average equity | $31,165,500 | 2,229 |
| Average total loans | $270,078,500 | 1,568 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9518% | 1,684 |
| Cost of funding earning assets | 1.1423% | 761 |
| Net interest margin | 3.8095% | 3,188 |
| Noninterest income to average assets | 0.1483% | 6,298 |
| Noninterest expense to average assets | 2.4996% | 5,091 |
| Loan and lease loss provision to assets | 0.4395% | 1,444 |
| Net operating income to assets | 0.8327% | 3,129 |
| Return on assets (ROA) | 0.8327% | 3,380 |
| Pretax return on assets | 0.7265% | 4,571 |
| Return on Equity (ROE) | 9.6368% | 2,341 |
| Retained earnings to average equity (ytd only) | 9.6368% | 670 |
| Net charge-offs to loans | 0.2520% | 3,427 |
| Credit loss provision to net charge-offs | 231.9185% | 1,066 |
| Earnings coverage of net charge-offs (x) | 6.1528% | 2,864 |
| Efficiency ratio | 68.1910% | 4,114 |
| Assets per employee ($millions) | 7.3067% | 678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5705% | 3,439 |
| Loan loss allowance to noncurrent loans | 122.9010% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 1.6900% | 2,864 |
| Noncurrent loans to loans | 1.2779% | 3,701 |
| Net loans and leases to total assets | 72.9799% | 1,338 |
| Net loans and leases to deposits | 82.8371% | 1,901 |
| Net loans and leases to core deposits | 86.3980% | 2,258 |
| Total domestic deposits to total assets | 88.1005% | 2,168 |
| Equity capital to assets | 8.8461% | 5,692 |
| Core capital (leverage) ratio | 8.8932% | 5,051 |
| Tier 1 risk-based capital ratio | 10.5300% | 6,543 |
| Total risk-based capital ratio | 11.7824% | 6,514 |
| Memoranda: | ||
| Average total assets | $310,814,800 | 2,069 |
| Average earning assets | $286,965,200 | 2,064 |
| Average equity | $26,855,400 | 2,494 |
| Average total loans | $233,713,400 | 1,745 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0172% | 1,656 |
| Cost of funding earning assets | 1.1856% | 736 |
| Net interest margin | 3.8316% | 3,198 |
| Noninterest income to average assets | 0.1285% | 6,493 |
| Noninterest expense to average assets | 2.5373% | 4,969 |
| Loan and lease loss provision to assets | 0.4201% | 1,521 |
| Net operating income to assets | 0.7038% | 3,899 |
| Return on assets (ROA) | 0.7038% | 4,136 |
| Pretax return on assets | 0.7047% | 4,849 |
| Return on Equity (ROE) | 8.2024% | 3,185 |
| Retained earnings to average equity (ytd only) | 8.2024% | 1,529 |
| Net charge-offs to loans | 0.2201% | 3,408 |
| Credit loss provision to net charge-offs | 252.8000% | 1,085 |
| Earnings coverage of net charge-offs (x) | 6.7680% | 2,717 |
| Efficiency ratio | 69.2848% | 3,818 |
| Assets per employee ($millions) | 6.8355% | 797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6030% | 3,503 |
| Loan loss allowance to noncurrent loans | 106.9755% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 1.9921% | 2,647 |
| Noncurrent loans to loans | 1.4985% | 3,539 |
| Net loans and leases to total assets | 72.5885% | 1,454 |
| Net loans and leases to deposits | 81.5120% | 2,183 |
| Net loans and leases to core deposits | 85.2956% | 2,548 |
| Total domestic deposits to total assets | 89.0525% | 1,397 |
| Equity capital to assets | 9.0996% | 5,710 |
| Core capital (leverage) ratio | 8.9686% | 5,107 |
| Tier 1 risk-based capital ratio | 10.8297% | 6,551 |
| Total risk-based capital ratio | 12.0821% | 6,529 |
| Memoranda: | ||
| Average total assets | $300,838,500 | 2,151 |
| Average earning assets | $277,439,500 | 2,135 |
| Average equity | $25,813,000 | 2,611 |
| Average total loans | $227,132,000 | 1,806 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0665% | 1,608 |
| Cost of funding earning assets | 1.2321% | 705 |
| Net interest margin | 3.8344% | 3,202 |
| Noninterest income to average assets | 0.1200% | 6,586 |
| Noninterest expense to average assets | 2.6036% | 4,769 |
| Loan and lease loss provision to assets | 0.4189% | 1,559 |
| Net operating income to assets | 0.6334% | 4,205 |
| Return on assets (ROA) | 0.6334% | 4,454 |
| Pretax return on assets | 0.6348% | 5,009 |
| Return on Equity (ROE) | 7.5535% | 3,477 |
| Retained earnings to average equity (ytd only) | 7.5535% | 1,840 |
| Net charge-offs to loans | 0.1431% | 3,772 |
| Credit loss provision to net charge-offs | 384.2767% | 775 |
| Earnings coverage of net charge-offs (x) | 9.6667% | 2,142 |
| Efficiency ratio | 71.1903% | 3,570 |
| Assets per employee ($millions) | 6.2999% | 1,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6032% | 3,594 |
| Loan loss allowance to noncurrent loans | 63.8092% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 2.2432% | 2,495 |
| Noncurrent loans to loans | 2.5125% | 2,404 |
| Net loans and leases to total assets | 73.2426% | 1,361 |
| Net loans and leases to deposits | 81.2286% | 2,202 |
| Net loans and leases to core deposits | 85.4973% | 2,493 |
| Total domestic deposits to total assets | 90.1685% | 831 |
| Equity capital to assets | 7.9439% | 6,599 |
| Core capital (leverage) ratio | 7.9924% | 6,291 |
| Tier 1 risk-based capital ratio | 9.5557% | 6,918 |
| Total risk-based capital ratio | 10.8082% | 6,908 |
| Memoranda: | ||
| Average total assets | $291,750,330 | 2,216 |
| Average earning assets | $269,139,670 | 2,196 |
| Average equity | $24,465,330 | 2,723 |
| Average total loans | $222,161,000 | 1,826 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0968% | 1,582 |
| Cost of funding earning assets | 1.2827% | 677 |
| Net interest margin | 3.8141% | 3,324 |
| Noninterest income to average assets | 0.1114% | 6,689 |
| Noninterest expense to average assets | 2.5274% | 5,066 |
| Loan and lease loss provision to assets | 0.5612% | 1,036 |
| Net operating income to assets | 0.5398% | 4,655 |
| Return on assets (ROA) | 0.5398% | 4,865 |
| Pretax return on assets | 0.5426% | 5,310 |
| Return on Equity (ROE) | 6.2514% | 4,162 |
| Retained earnings to average equity (ytd only) | 6.2514% | 2,816 |
| Net charge-offs to loans | 0.1370% | 3,281 |
| Credit loss provision to net charge-offs | 531.0811% | 631 |
| Earnings coverage of net charge-offs (x) | 10.4459% | 1,756 |
| Efficiency ratio | 69.6028% | 3,881 |
| Assets per employee ($millions) | 6.2839% | 1,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6116% | 3,680 |
| Loan loss allowance to noncurrent loans | 61.3848% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 2.2110% | 2,682 |
| Noncurrent loans to loans | 2.6255% | 2,480 |
| Net loans and leases to total assets | 74.9503% | 927 |
| Net loans and leases to deposits | 83.5517% | 1,725 |
| Net loans and leases to core deposits | 87.8923% | 2,065 |
| Total domestic deposits to total assets | 89.7053% | 1,243 |
| Equity capital to assets | 8.2585% | 6,302 |
| Core capital (leverage) ratio | 8.4964% | 5,603 |
| Tier 1 risk-based capital ratio | 9.6778% | 6,940 |
| Total risk-based capital ratio | 10.9308% | 6,934 |
| Memoranda: | ||
| Average total assets | $280,127,000 | 2,311 |
| Average earning assets | $258,513,500 | 2,291 |
| Average equity | $24,186,500 | 2,750 |
| Average total loans | $216,006,000 | 1,893 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0996% | 2,459 |
| Cost of funding earning assets | 1.2987% | 1,492 |
| Net interest margin | 3.8009% | 3,811 |
| Noninterest income to average assets | 0.1682% | 6,283 |
| Noninterest expense to average assets | 2.7950% | 4,368 |
| Loan and lease loss provision to assets | 0.8726% | 1,114 |
| Net operating income to assets | 0.8651% | 2,754 |
| Return on assets (ROA) | 0.8823% | 2,813 |
| Pretax return on assets | 0.1326% | 5,915 |
| Return on Equity (ROE) | 9.5422% | 2,233 |
| Retained earnings to average equity (ytd only) | 9.5422% | 663 |
| Net charge-offs to loans | 0.6654% | 2,491 |
| Credit loss provision to net charge-offs | 170.9121% | 1,569 |
| Earnings coverage of net charge-offs (x) | 1.9351% | 4,320 |
| Efficiency ratio | 73.8827% | 3,256 |
| Assets per employee ($millions) | 6.0207% | 1,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5974% | 3,599 |
| Loan loss allowance to noncurrent loans | 57.4032% | 4,646 |
| Noncurrent assets plus other real estate owned to assets | 2.4099% | 2,524 |
| Noncurrent loans to loans | 2.7828% | 2,353 |
| Net loans and leases to total assets | 76.9007% | 837 |
| Net loans and leases to deposits | 86.8133% | 1,563 |
| Net loans and leases to core deposits | 91.2968% | 1,958 |
| Total domestic deposits to total assets | 88.5817% | 1,797 |
| Equity capital to assets | 9.0529% | 5,492 |
| Core capital (leverage) ratio | 9.2853% | 4,355 |
| Tier 1 risk-based capital ratio | 10.3108% | 6,763 |
| Total risk-based capital ratio | 11.5636% | 6,737 |
| Memoranda: | ||
| Average total assets | $238,354,800 | 2,652 |
| Average earning assets | $226,683,600 | 2,542 |
| Average equity | $22,039,000 | 2,890 |
| Average total loans | $182,901,200 | 2,198 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0957% | 2,626 |
| Cost of funding earning assets | 1.2992% | 1,711 |
| Net interest margin | 3.7965% | 3,896 |
| Noninterest income to average assets | 0.2008% | 6,166 |
| Noninterest expense to average assets | 2.7867% | 4,392 |
| Loan and lease loss provision to assets | 1.0518% | 799 |
| Net operating income to assets | 0.0139% | 6,136 |
| Return on assets (ROA) | 0.0368% | 6,194 |
| Pretax return on assets | 0.0380% | 6,179 |
| Return on Equity (ROE) | 0.3959% | 6,182 |
| Retained earnings to average equity (ytd only) | 0.3959% | 5,834 |
| Net charge-offs to loans | 0.9121% | 1,756 |
| Credit loss provision to net charge-offs | 151.0744% | 2,064 |
| Earnings coverage of net charge-offs (x) | 1.5314% | 4,490 |
| Efficiency ratio | 72.3268% | 3,487 |
| Assets per employee ($millions) | 6.2436% | 1,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5794% | 3,758 |
| Loan loss allowance to noncurrent loans | 68.8864% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 2.0080% | 3,131 |
| Noncurrent loans to loans | 2.2928% | 3,005 |
| Net loans and leases to total assets | 76.4015% | 928 |
| Net loans and leases to deposits | 86.1005% | 1,675 |
| Net loans and leases to core deposits | 90.9702% | 2,121 |
| Total domestic deposits to total assets | 88.7353% | 1,591 |
| Equity capital to assets | 8.8006% | 5,979 |
| Core capital (leverage) ratio | 8.8286% | 5,212 |
| Tier 1 risk-based capital ratio | 10.4219% | 6,810 |
| Total risk-based capital ratio | 11.6747% | 6,790 |
| Memoranda: | ||
| Average total assets | $231,716,250 | 2,713 |
| Average earning assets | $222,901,250 | 2,594 |
| Average equity | $21,553,250 | 2,940 |
| Average total loans | $176,870,500 | 2,307 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0737% | 2,804 |
| Cost of funding earning assets | 1.2744% | 2,091 |
| Net interest margin | 3.7993% | 3,786 |
| Noninterest income to average assets | 0.2401% | 5,930 |
| Noninterest expense to average assets | 2.8595% | 4,190 |
| Loan and lease loss provision to assets | 1.3690% | 538 |
| Net operating income to assets | -0.3314% | 6,570 |
| Return on assets (ROA) | -0.3323% | 6,601 |
| Pretax return on assets | -0.3305% | 6,549 |
| Return on Equity (ROE) | -3.5028% | 6,620 |
| Retained earnings to average equity (ytd only) | -3.5028% | 6,421 |
| Net charge-offs to loans | 1.4240% | 1,057 |
| Credit loss provision to net charge-offs | 126.7432% | 2,416 |
| Earnings coverage of net charge-offs (x) | 0.9623% | 4,575 |
| Efficiency ratio | 73.3409% | 3,490 |
| Assets per employee ($millions) | 6.4915% | 931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5085% | 4,092 |
| Loan loss allowance to noncurrent loans | 63.9428% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 1.9872% | 3,250 |
| Noncurrent loans to loans | 2.3591% | 3,035 |
| Net loans and leases to total assets | 73.3173% | 1,531 |
| Net loans and leases to deposits | 82.5873% | 2,360 |
| Net loans and leases to core deposits | 87.2988% | 2,725 |
| Total domestic deposits to total assets | 88.7756% | 1,681 |
| Equity capital to assets | 8.7292% | 5,905 |
| Core capital (leverage) ratio | 9.0897% | 4,590 |
| Tier 1 risk-based capital ratio | 10.7456% | 6,687 |
| Total risk-based capital ratio | 11.9974% | 6,667 |
| Memoranda: | ||
| Average total assets | $225,706,670 | 2,799 |
| Average earning assets | $217,356,000 | 2,672 |
| Average equity | $21,411,330 | 2,943 |
| Average total loans | $171,203,670 | 2,394 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0486% | 2,869 |
| Cost of funding earning assets | 1.2472% | 2,522 |
| Net interest margin | 3.8014% | 3,609 |
| Noninterest income to average assets | 0.1320% | 6,754 |
| Noninterest expense to average assets | 3.0127% | 3,590 |
| Loan and lease loss provision to assets | 2.2879% | 233 |
| Net operating income to assets | -1.5129% | 7,203 |
| Return on assets (ROA) | -1.5147% | 7,206 |
| Pretax return on assets | -1.5110% | 7,166 |
| Return on Equity (ROE) | -15.2690% | 7,152 |
| Retained earnings to average equity (ytd only) | -15.2690% | 7,052 |
| Net charge-offs to loans | 2.7226% | 401 |
| Credit loss provision to net charge-offs | 109.6171% | 2,435 |
| Earnings coverage of net charge-offs (x) | 0.3731% | 4,339 |
| Efficiency ratio | 79.4608% | 2,624 |
| Assets per employee ($millions) | 5.6015% | 1,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4503% | 4,435 |
| Loan loss allowance to noncurrent loans | 59.5983% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 2.2004% | 3,063 |
| Noncurrent loans to loans | 2.4335% | 3,060 |
| Net loans and leases to total assets | 79.3765% | 580 |
| Net loans and leases to deposits | 88.7300% | 1,382 |
| Net loans and leases to core deposits | 93.8918% | 1,898 |
| Total domestic deposits to total assets | 89.4585% | 1,505 |
| Equity capital to assets | 9.5899% | 4,325 |
| Core capital (leverage) ratio | 9.6846% | 3,549 |
| Tier 1 risk-based capital ratio | 11.3327% | 6,224 |
| Total risk-based capital ratio | 12.5842% | 6,210 |
| Memoranda: | ||
| Average total assets | $215,221,500 | 2,934 |
| Average earning assets | $207,186,500 | 2,816 |
| Average equity | $21,350,500 | 2,937 |
| Average total loans | $164,992,000 | 2,500 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6711% | 5,895 |
| Cost of funding earning assets | 1.6129% | 1,995 |
| Net interest margin | 3.0582% | 6,622 |
| Noninterest income to average assets | 0.0418% | 7,149 |
| Noninterest expense to average assets | 2.7468% | 4,793 |
| Loan and lease loss provision to assets | 1.0589% | 1,520 |
| Net operating income to assets | -0.8126% | 6,585 |
| Return on assets (ROA) | -0.5153% | 6,430 |
| Pretax return on assets | -0.5143% | 6,331 |
| Return on Equity (ROE) | -5.1325% | 6,443 |
| Retained earnings to average equity (ytd only) | -5.1325% | 6,313 |
| Net charge-offs to loans | 1.2701% | 1,772 |
| Credit loss provision to net charge-offs | 132.6542% | 2,958 |
| Earnings coverage of net charge-offs (x) | 0.3097% | 5,796 |
| Efficiency ratio | 91.7443% | 1,200 |
| Assets per employee ($millions) | 5.5785% | 1,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5867% | 3,631 |
| Loan loss allowance to noncurrent loans | 58.0385% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 1.9865% | 3,364 |
| Noncurrent loans to loans | 2.7340% | 2,787 |
| Net loans and leases to total assets | 71.5067% | 2,200 |
| Net loans and leases to deposits | 80.7322% | 3,040 |
| Net loans and leases to core deposits | 85.7204% | 3,358 |
| Total domestic deposits to total assets | 88.5727% | 1,908 |
| Equity capital to assets | 10.2607% | 3,435 |
| Core capital (leverage) ratio | 10.2215% | 2,841 |
| Tier 1 risk-based capital ratio | 13.0604% | 4,554 |
| Total risk-based capital ratio | 14.3130% | 4,512 |
| Memoranda: | ||
| Average total assets | $215,228,800 | 2,923 |
| Average earning assets | $207,768,600 | 2,776 |
| Average equity | $21,607,400 | 2,929 |
| Average total loans | $135,261,800 | 3,030 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5602% | 6,445 |
| Cost of funding earning assets | 1.7150% | 1,794 |
| Net interest margin | 2.8452% | 7,086 |
| Noninterest income to average assets | 0.0395% | 7,324 |
| Noninterest expense to average assets | 2.6618% | 5,047 |
| Loan and lease loss provision to assets | 1.1547% | 1,253 |
| Net operating income to assets | -1.0374% | 6,926 |
| Return on assets (ROA) | -0.8128% | 6,833 |
| Pretax return on assets | -0.8116% | 6,745 |
| Return on Equity (ROE) | -8.1402% | 6,846 |
| Retained earnings to average equity (ytd only) | -8.1402% | 6,783 |
| Net charge-offs to loans | 1.5184% | 1,323 |
| Credit loss provision to net charge-offs | 125.8238% | 3,249 |
| Earnings coverage of net charge-offs (x) | 0.1291% | 5,893 |
| Efficiency ratio | 95.7381% | 915 |
| Assets per employee ($millions) | 5.8520% | 1,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5654% | 3,678 |
| Loan loss allowance to noncurrent loans | 41.9116% | 5,495 |
| Noncurrent assets plus other real estate owned to assets | 2.4981% | 2,875 |
| Noncurrent loans to loans | 3.7350% | 2,075 |
| Net loans and leases to total assets | 65.8378% | 3,725 |
| Net loans and leases to deposits | 74.6110% | 4,413 |
| Net loans and leases to core deposits | 78.8079% | 4,699 |
| Total domestic deposits to total assets | 88.2414% | 1,835 |
| Equity capital to assets | 10.2714% | 3,802 |
| Core capital (leverage) ratio | 10.1480% | 3,101 |
| Tier 1 risk-based capital ratio | 14.0884% | 3,770 |
| Total risk-based capital ratio | 15.3416% | 3,739 |
| Memoranda: | ||
| Average total assets | $216,040,250 | 2,966 |
| Average earning assets | $208,114,250 | 2,813 |
| Average equity | $21,571,500 | 2,975 |
| Average total loans | $130,570,750 | 3,161 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5117% | 6,684 |
| Cost of funding earning assets | 1.8686% | 1,344 |
| Net interest margin | 2.6431% | 7,309 |
| Noninterest income to average assets | 0.0398% | 7,383 |
| Noninterest expense to average assets | 2.6376% | 5,179 |
| Loan and lease loss provision to assets | 1.2822% | 1,080 |
| Net operating income to assets | -1.3239% | 7,081 |
| Return on assets (ROA) | -1.0534% | 6,984 |
| Pretax return on assets | -1.0515% | 6,912 |
| Return on Equity (ROE) | -10.6517% | 6,987 |
| Retained earnings to average equity (ytd only) | -10.6517% | 6,942 |
| Net charge-offs to loans | 1.8916% | 979 |
| Credit loss provision to net charge-offs | 116.3025% | 3,490 |
| Earnings coverage of net charge-offs (x) | -0.0361% | 5,752 |
| Efficiency ratio | 101.5335% | 750 |
| Assets per employee ($millions) | 5.6692% | 1,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5883% | 3,501 |
| Loan loss allowance to noncurrent loans | 37.1025% | 5,891 |
| Noncurrent assets plus other real estate owned to assets | 2.6688% | 2,703 |
| Noncurrent loans to loans | 4.2809% | 1,734 |
| Net loans and leases to total assets | 61.3506% | 4,809 |
| Net loans and leases to deposits | 69.9446% | 5,284 |
| Net loans and leases to core deposits | 73.8505% | 5,464 |
| Total domestic deposits to total assets | 87.7131% | 2,159 |
| Equity capital to assets | 10.7137% | 3,164 |
| Core capital (leverage) ratio | 10.2529% | 2,890 |
| Tier 1 risk-based capital ratio | 15.2737% | 3,023 |
| Total risk-based capital ratio | 16.5265% | 2,981 |
| Memoranda: | ||
| Average total assets | $215,879,330 | 2,987 |
| Average earning assets | $208,922,000 | 2,823 |
| Average equity | $21,348,670 | 2,995 |
| Average total loans | $125,820,670 | 3,284 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5582% | 6,655 |
| Cost of funding earning assets | 2.2518% | 496 |
| Net interest margin | 2.3064% | 7,591 |
| Noninterest income to average assets | 0.0365% | 7,524 |
| Noninterest expense to average assets | 2.5194% | 5,661 |
| Loan and lease loss provision to assets | 1.1565% | 1,056 |
| Net operating income to assets | -1.4068% | 7,296 |
| Return on assets (ROA) | -1.1218% | 7,192 |
| Pretax return on assets | -1.1181% | 7,108 |
| Return on Equity (ROE) | -11.8154% | 7,205 |
| Retained earnings to average equity (ytd only) | -11.8154% | 7,057 |
| Net charge-offs to loans | 0.6778% | 2,137 |
| Credit loss provision to net charge-offs | 302.8708% | 1,300 |
| Earnings coverage of net charge-offs (x) | -0.6459% | 5,325 |
| Efficiency ratio | 110.8521% | 582 |
| Assets per employee ($millions) | 6.0453% | 1,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8742% | 2,514 |
| Loan loss allowance to noncurrent loans | 52.8280% | 4,802 |
| Noncurrent assets plus other real estate owned to assets | 2.0066% | 3,495 |
| Noncurrent loans to loans | 3.5477% | 2,251 |
| Net loans and leases to total assets | 55.5015% | 5,818 |
| Net loans and leases to deposits | 62.2962% | 6,248 |
| Net loans and leases to core deposits | 66.3481% | 6,256 |
| Total domestic deposits to total assets | 89.0930% | 1,474 |
| Equity capital to assets | 9.3976% | 4,675 |
| Core capital (leverage) ratio | 8.6290% | 5,156 |
| Tier 1 risk-based capital ratio | 14.3484% | 3,465 |
| Total risk-based capital ratio | 15.6032% | 3,425 |
| Memoranda: | ||
| Average total assets | $218,939,000 | 3,003 |
| Average earning assets | $212,276,000 | 2,850 |
| Average equity | $20,786,500 | 3,091 |
| Average total loans | $123,348,000 | 3,395 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0387% | 7,677 |
| Cost of funding earning assets | 2.7521% | 512 |
| Net interest margin | 1.2866% | 7,896 |
| Noninterest income to average assets | 0.0330% | 7,579 |
| Noninterest expense to average assets | 2.5978% | 5,804 |
| Loan and lease loss provision to assets | 1.3173% | 1,747 |
| Net operating income to assets | -2.6269% | 7,303 |
| Return on assets (ROA) | -2.6269% | 7,309 |
| Pretax return on assets | -2.6263% | 7,184 |
| Return on Equity (ROE) | -20.4188% | 7,153 |
| Retained earnings to average equity (ytd only) | -20.4188% | 7,121 |
| Net charge-offs to loans | 1.2354% | 2,000 |
| Credit loss provision to net charge-offs | 233.7232% | 1,556 |
| Earnings coverage of net charge-offs (x) | -2.3226% | 7,025 |
| Efficiency ratio | 201.5772% | 135 |
| Assets per employee ($millions) | 6.6742% | 912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5235% | 3,605 |
| Loan loss allowance to noncurrent loans | 50.7547% | 4,981 |
| Noncurrent assets plus other real estate owned to assets | 1.6845% | 3,840 |
| Noncurrent loans to loans | 3.0016% | 2,566 |
| Net loans and leases to total assets | 55.2641% | 6,051 |
| Net loans and leases to deposits | 62.2061% | 6,444 |
| Net loans and leases to core deposits | 80.0745% | 6,093 |
| Total domestic deposits to total assets | 88.8403% | 1,547 |
| Equity capital to assets | 9.5896% | 4,282 |
| Core capital (leverage) ratio | 9.1630% | 4,176 |
| Tier 1 risk-based capital ratio | 14.2767% | 3,336 |
| Total risk-based capital ratio | 15.5276% | 3,281 |
| Memoranda: | ||
| Average total assets | $182,041,000 | 3,409 |
| Average earning assets | $177,680,800 | 3,244 |
| Average equity | $23,419,600 | 2,790 |
| Average total loans | $83,052,200 | 4,412 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7762% | 7,875 |
| Cost of funding earning assets | 2.7792% | 632 |
| Net interest margin | 0.9970% | 8,022 |
| Noninterest income to average assets | 0.0294% | 7,737 |
| Noninterest expense to average assets | 2.3877% | 6,455 |
| Loan and lease loss provision to assets | 0.6918% | 2,664 |
| Net operating income to assets | -2.0754% | 7,349 |
| Return on assets (ROA) | -2.0754% | 7,349 |
| Pretax return on assets | -2.0747% | 7,215 |
| Return on Equity (ROE) | -14.9199% | 7,186 |
| Retained earnings to average equity (ytd only) | -14.9199% | 7,129 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 237.6154% | 98 |
| Assets per employee ($millions) | 6.5574% | 959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3809% | 4,049 |
| Loan loss allowance to noncurrent loans | 32.5463% | 6,265 |
| Noncurrent assets plus other real estate owned to assets | 1.9376% | 3,437 |
| Noncurrent loans to loans | 4.2428% | 1,695 |
| Net loans and leases to total assets | 45.0384% | 7,171 |
| Net loans and leases to deposits | 51.0587% | 7,358 |
| Net loans and leases to core deposits | 65.5059% | 7,184 |
| Total domestic deposits to total assets | 88.2091% | 1,558 |
| Equity capital to assets | 10.3080% | 3,724 |
| Core capital (leverage) ratio | 10.1320% | 3,136 |
| Tier 1 risk-based capital ratio | 18.1284% | 1,948 |
| Total risk-based capital ratio | 19.2582% | 1,936 |
| Memoranda: | ||
| Average total assets | $172,489,250 | 3,581 |
| Average earning assets | $168,773,750 | 3,392 |
| Average equity | $23,994,250 | 2,757 |
| Average total loans | $72,915,000 | 4,813 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4131% | 8,043 |
| Cost of funding earning assets | 2.6297% | 1,210 |
| Net interest margin | 0.7834% | 8,120 |
| Noninterest income to average assets | 0.0283% | 7,842 |
| Noninterest expense to average assets | 2.3897% | 6,497 |
| Loan and lease loss provision to assets | 0.7786% | 2,135 |
| Net operating income to assets | -2.3730% | 7,532 |
| Return on assets (ROA) | -2.3730% | 7,526 |
| Pretax return on assets | -2.3730% | 7,387 |
| Return on Equity (ROE) | -15.1819% | 7,339 |
| Retained earnings to average equity (ytd only) | -15.1819% | 7,248 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 300.4847% | 81 |
| Assets per employee ($millions) | 6.9295% | 791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2501% | 4,598 |
| Loan loss allowance to noncurrent loans | 133.1347% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.3906% | 6,485 |
| Noncurrent loans to loans | 0.9390% | 5,345 |
| Net loans and leases to total assets | 41.0755% | 7,501 |
| Net loans and leases to deposits | 46.8043% | 7,606 |
| Net loans and leases to core deposits | 59.9348% | 7,456 |
| Total domestic deposits to total assets | 87.7601% | 1,898 |
| Equity capital to assets | 10.6371% | 3,263 |
| Core capital (leverage) ratio | 11.6553% | 1,999 |
| Tier 1 risk-based capital ratio | 20.9612% | 1,406 |
| Total risk-based capital ratio | 21.9618% | 1,404 |
| Memoranda: | ||
| Average total assets | $155,668,330 | 3,912 |
| Average earning assets | $152,413,330 | 3,694 |
| Average equity | $24,331,670 | 2,719 |
| Average total loans | $63,280,000 | 5,197 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7700% | 8,152 |
| Cost of funding earning assets | 1.9050% | 4,604 |
| Net interest margin | 0.8650% | 8,176 |
| Noninterest income to average assets | 0.0222% | 7,965 |
| Noninterest expense to average assets | 2.6298% | 5,322 |
| Loan and lease loss provision to assets | 0.7360% | 1,745 |
| Net operating income to assets | -2.5029% | 7,765 |
| Return on assets (ROA) | -2.5029% | 7,763 |
| Pretax return on assets | -2.4965% | 7,659 |
| Return on Equity (ROE) | -12.5875% | 7,501 |
| Retained earnings to average equity (ytd only) | -12.5875% | 7,297 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 302.5547% | 84 |
| Assets per employee ($millions) | 6.3101% | 1,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2459% | 4,478 |
| Loan loss allowance to noncurrent loans | 825.5556% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.0475% | 7,459 |
| Noncurrent loans to loans | 0.1509% | 7,087 |
| Net loans and leases to total assets | 31.1110% | 7,891 |
| Net loans and leases to deposits | 36.5468% | 7,932 |
| Net loans and leases to core deposits | 49.9182% | 7,794 |
| Total domestic deposits to total assets | 85.1265% | 3,143 |
| Equity capital to assets | 13.0711% | 1,715 |
| Core capital (leverage) ratio | 26.2736% | 201 |
| Tier 1 risk-based capital ratio | 28.9100% | 696 |
| Total risk-based capital ratio | 29.7883% | 699 |
| Memoranda: | ||
| Average total assets | $126,095,500 | 4,491 |
| Average earning assets | $123,467,000 | 4,295 |
| Average equity | $25,072,500 | 2,642 |
| Average total loans | $50,243,500 | 5,789 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3801% | 7,487 |
| Cost of funding earning assets | 2.4582% | 4,435 |
| Net interest margin | 2.9219% | 7,101 |
| Noninterest income to average assets | 0.1202% | 7,518 |
| Noninterest expense to average assets | 5.9613% | 406 |
| Loan and lease loss provision to assets | 0.9364% | 1,581 |
| Net operating income to assets | -3.9503% | 7,981 |
| Return on assets (ROA) | -3.9503% | 7,965 |
| Pretax return on assets | -3.9401% | 7,883 |
| Return on Equity (ROE) | -14.1974% | 7,551 |
| Retained earnings to average equity (ytd only) | -14.1974% | 7,411 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 201.5571% | 197 |
| Assets per employee ($millions) | 3.1444% | 5,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2509% | 4,127 |
| Loan loss allowance to noncurrent loans | 567.7778% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.1431% | 7,004 |
| Noncurrent loans to loans | 0.2203% | 6,729 |
| Net loans and leases to total assets | 64.1442% | 5,242 |
| Net loans and leases to deposits | 122.7639% | 329 |
| Net loans and leases to core deposits | 181.5518% | 273 |
| Total domestic deposits to total assets | 52.2500% | 8,108 |
| Equity capital to assets | 40.3909% | 100 |
| Core capital (leverage) ratio | 42.8901% | 101 |
| Tier 1 risk-based capital ratio | 57.0003% | 167 |
| Total risk-based capital ratio | 58.1540% | 165 |
| Memoranda: | ||
| Average total assets | $39,085,600 | 7,255 |
| Average earning assets | $37,954,400 | 7,143 |
| Average equity | $10,875,200 | 5,161 |
| Average total loans | $26,224,800 | 6,950 |