Home > First Citrus Bank > Performance and Condition Ratios
First Citrus Bank, Performance and Condition Ratios
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6193% | 2,289 |
| Cost of funding earning assets | 0.1596% | 3,731 |
| Net interest margin | 3.4598% | 1,778 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.5612% | 1,824 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.8700% | 3,004 |
| Return on assets (ROA) | 0.8700% | 2,973 |
| Pretax return on assets | 1.1477% | 2,564 |
| Return on Equity (ROE) | 10.7200% | 2,495 |
| Retained earnings to average equity (ytd only) | 10.7160% | 1,129 |
| Net charge-offs to loans | -0.0020% | 3,270 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.1950% | 1,990 |
| Assets per employee ($millions) | 7.3625% | 1,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0515% | 3,248 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 57.7700% | 2,724 |
| Net loans and leases to deposits | 63.7057% | 2,892 |
| Net loans and leases to core deposits | 64.3608% | 3,082 |
| Total domestic deposits to total assets | 90.6900% | 1,368 |
| Equity capital to assets | 8.3584% | 2,635 |
| Core capital (leverage) ratio | 8.2507% | 4,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9622% | 2,064 |
| Memoranda: | ||
| Average total assets | $684,462,750 | 1,335 |
| Average earning assets | $655,945,500 | 1,304 |
| Average equity | $55,566,500 | 1,502 |
| Average total loans | $398,225,000 | 1,391 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3655% | 2,526 |
| Cost of funding earning assets | 0.1589% | 3,468 |
| Net interest margin | 3.2067% | 2,164 |
| Noninterest income to average assets | 0.5086% | 2,152 |
| Noninterest expense to average assets | 2.4941% | 1,947 |
| Loan and lease loss provision to assets | 0.0469% | 1,727 |
| Net operating income to assets | 0.7886% | 3,000 |
| Return on assets (ROA) | 0.7886% | 2,966 |
| Pretax return on assets | 1.0400% | 2,603 |
| Return on Equity (ROE) | 9.8127% | 2,399 |
| Retained earnings to average equity (ytd only) | 9.8127% | 1,066 |
| Net charge-offs to loans | -0.0040% | 3,277 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6478% | 2,010 |
| Assets per employee ($millions) | 7.2609% | 1,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0634% | 3,310 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 55.6743% | 2,793 |
| Net loans and leases to deposits | 61.1535% | 2,960 |
| Net loans and leases to core deposits | 62.4451% | 3,078 |
| Total domestic deposits to total assets | 91.0401% | 1,216 |
| Equity capital to assets | 8.0444% | 3,089 |
| Core capital (leverage) ratio | 8.0433% | 4,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9889% | 2,062 |
| Memoranda: | ||
| Average total assets | $681,926,000 | 1,341 |
| Average earning assets | $653,387,333 | 1,321 |
| Average equity | $54,806,667 | 1,556 |
| Average total loans | $396,270,000 | 1,393 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4052% | 2,075 |
| Cost of funding earning assets | 0.1634% | 3,321 |
| Net interest margin | 3.2419% | 1,748 |
| Noninterest income to average assets | 0.6709% | 1,409 |
| Noninterest expense to average assets | 2.4805% | 1,929 |
| Loan and lease loss provision to assets | 0.0593% | 1,340 |
| Net operating income to assets | 0.9378% | 2,119 |
| Return on assets (ROA) | 0.9378% | 2,110 |
| Pretax return on assets | 1.2379% | 1,685 |
| Return on Equity (ROE) | 11.6736% | 1,404 |
| Retained earnings to average equity (ytd only) | 11.6736% | 649 |
| Net charge-offs to loans | -0.0010% | 3,019 |
| Credit loss provision to net charge-offs | -10,000.0000% | 3,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6618% | 2,807 |
| Assets per employee ($millions) | 7.2530% | 1,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0315% | 3,588 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 57.1448% | 2,397 |
| Net loans and leases to deposits | 62.7200% | 2,654 |
| Net loans and leases to core deposits | 64.2597% | 2,776 |
| Total domestic deposits to total assets | 91.1109% | 976 |
| Equity capital to assets | 7.9767% | 3,592 |
| Core capital (leverage) ratio | 8.2064% | 4,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9310% | 2,246 |
| Memoranda: | ||
| Average total assets | $674,368,000 | 1,358 |
| Average earning assets | $646,297,000 | 1,334 |
| Average equity | $54,173,500 | 1,621 |
| Average total loans | $398,283,000 | 1,373 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0240% | 1,306 |
| Cost of funding earning assets | 0.2462% | 2,972 |
| Net interest margin | 3.7778% | 1,057 |
| Noninterest income to average assets | 0.4870% | 2,638 |
| Noninterest expense to average assets | 2.3653% | 2,601 |
| Loan and lease loss provision to assets | 0.1932% | 570 |
| Net operating income to assets | 1.1807% | 1,992 |
| Return on assets (ROA) | 1.1807% | 2,055 |
| Pretax return on assets | 1.5457% | 1,586 |
| Return on Equity (ROE) | 14.7096% | 1,020 |
| Retained earnings to average equity (ytd only) | 14.7096% | 251 |
| Net charge-offs to loans | 0.0158% | 1,994 |
| Credit loss provision to net charge-offs | 1,739.1304% | 342 |
| Earnings coverage of net charge-offs (x) | 156.5362% | 636 |
| Efficiency ratio | 57.6315% | 3,502 |
| Assets per employee ($millions) | 7.3300% | 1,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0040% | 3,731 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 59.8319% | 2,177 |
| Net loans and leases to deposits | 65.6031% | 2,547 |
| Net loans and leases to core deposits | 67.3028% | 2,712 |
| Total domestic deposits to total assets | 91.2028% | 416 |
| Equity capital to assets | 8.0923% | 4,314 |
| Core capital (leverage) ratio | 8.0238% | 4,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9804% | 2,255 |
| Memoranda: | ||
| Average total assets | $621,144,000 | 1,410 |
| Average earning assets | $594,738,400 | 1,384 |
| Average equity | $49,858,600 | 1,770 |
| Average total loans | $436,617,400 | 1,296 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1394% | 1,219 |
| Cost of funding earning assets | 0.2670% | 2,933 |
| Net interest margin | 3.8723% | 986 |
| Noninterest income to average assets | 0.5407% | 2,453 |
| Noninterest expense to average assets | 2.3099% | 2,723 |
| Loan and lease loss provision to assets | 0.1962% | 529 |
| Net operating income to assets | 1.3169% | 1,769 |
| Return on assets (ROA) | 1.3169% | 1,827 |
| Pretax return on assets | 1.7401% | 1,307 |
| Return on Equity (ROE) | 16.4427% | 857 |
| Retained earnings to average equity (ytd only) | 16.4427% | 270 |
| Net charge-offs to loans | 0.0185% | 1,687 |
| Credit loss provision to net charge-offs | 1,451.6129% | 413 |
| Earnings coverage of net charge-offs (x) | 143.2419% | 699 |
| Efficiency ratio | 54.3979% | 3,747 |
| Assets per employee ($millions) | 7.4769% | 1,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8766% | 4,212 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 62.3386% | 1,966 |
| Net loans and leases to deposits | 68.0218% | 2,431 |
| Net loans and leases to core deposits | 69.9796% | 2,598 |
| Total domestic deposits to total assets | 91.6450% | 202 |
| Equity capital to assets | 7.7407% | 4,637 |
| Core capital (leverage) ratio | 7.9668% | 4,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7838% | 2,437 |
| Memoranda: | ||
| Average total assets | $611,504,500 | 1,442 |
| Average earning assets | $585,164,500 | 1,423 |
| Average equity | $48,977,000 | 1,819 |
| Average total loans | $446,093,000 | 1,292 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2292% | 1,134 |
| Cost of funding earning assets | 0.2887% | 2,886 |
| Net interest margin | 3.9406% | 906 |
| Noninterest income to average assets | 0.4687% | 2,763 |
| Noninterest expense to average assets | 2.2831% | 2,819 |
| Loan and lease loss provision to assets | 0.2030% | 548 |
| Net operating income to assets | 1.3204% | 1,803 |
| Return on assets (ROA) | 1.3204% | 1,866 |
| Pretax return on assets | 1.7475% | 1,365 |
| Return on Equity (ROE) | 16.2788% | 904 |
| Retained earnings to average equity (ytd only) | 16.2788% | 319 |
| Net charge-offs to loans | -0.0018% | 3,174 |
| Credit loss provision to net charge-offs | -15,000.0000% | 4,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9285% | 3,818 |
| Assets per employee ($millions) | 7.2563% | 1,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7691% | 4,417 |
| Loan loss allowance to noncurrent loans | 458.5752% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.1201% | 3,437 |
| Noncurrent loans to loans | 0.1677% | 3,376 |
| Net loans and leases to total assets | 71.0409% | 1,077 |
| Net loans and leases to deposits | 78.1749% | 1,603 |
| Net loans and leases to core deposits | 80.8332% | 1,821 |
| Total domestic deposits to total assets | 90.8743% | 412 |
| Equity capital to assets | 7.9115% | 4,576 |
| Core capital (leverage) ratio | 8.1164% | 4,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $591,031,000 | 1,479 |
| Average earning assets | $564,689,667 | 1,453 |
| Average equity | $47,939,667 | 1,833 |
| Average total loans | $453,723,333 | 1,279 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3364% | 987 |
| Cost of funding earning assets | 0.3006% | 2,987 |
| Net interest margin | 4.0358% | 801 |
| Noninterest income to average assets | 0.3055% | 3,587 |
| Noninterest expense to average assets | 2.3227% | 2,713 |
| Loan and lease loss provision to assets | 0.1569% | 816 |
| Net operating income to assets | 1.2731% | 1,913 |
| Return on assets (ROA) | 1.2731% | 1,990 |
| Pretax return on assets | 1.6823% | 1,531 |
| Return on Equity (ROE) | 15.4846% | 1,114 |
| Retained earnings to average equity (ytd only) | 15.4846% | 575 |
| Net charge-offs to loans | -0.0009% | 3,041 |
| Credit loss provision to net charge-offs | -22,400.0000% | 3,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8081% | 3,564 |
| Assets per employee ($millions) | 7.4776% | 1,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6485% | 4,633 |
| Loan loss allowance to noncurrent loans | 304.8228% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.1657% | 3,334 |
| Noncurrent loans to loans | 0.2127% | 3,348 |
| Net loans and leases to total assets | 77.3853% | 508 |
| Net loans and leases to deposits | 85.1493% | 1,036 |
| Net loans and leases to core deposits | 88.1522% | 1,362 |
| Total domestic deposits to total assets | 90.8819% | 443 |
| Equity capital to assets | 7.8041% | 4,590 |
| Core capital (leverage) ratio | 8.4441% | 4,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $570,898,000 | 1,511 |
| Average earning assets | $545,521,000 | 1,485 |
| Average equity | $46,937,000 | 1,862 |
| Average total loans | $454,607,500 | 1,279 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1957% | 2,152 |
| Cost of funding earning assets | 0.5209% | 2,809 |
| Net interest margin | 3.6748% | 1,892 |
| Noninterest income to average assets | 0.4120% | 3,038 |
| Noninterest expense to average assets | 2.3912% | 3,158 |
| Loan and lease loss provision to assets | 0.1569% | 2,410 |
| Net operating income to assets | 1.0333% | 2,162 |
| Return on assets (ROA) | 1.0333% | 2,313 |
| Pretax return on assets | 1.3635% | 1,776 |
| Return on Equity (ROE) | 11.9457% | 1,336 |
| Retained earnings to average equity (ytd only) | 11.9457% | 319 |
| Net charge-offs to loans | 0.1082% | 1,391 |
| Credit loss provision to net charge-offs | 183.1776% | 2,251 |
| Earnings coverage of net charge-offs (x) | 17.7523% | 2,060 |
| Efficiency ratio | 61.1316% | 3,283 |
| Assets per employee ($millions) | 6.6079% | 1,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6654% | 4,643 |
| Loan loss allowance to noncurrent loans | 218.9024% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 0.2482% | 3,045 |
| Noncurrent loans to loans | 0.3040% | 3,110 |
| Net loans and leases to total assets | 81.1051% | 357 |
| Net loans and leases to deposits | 89.3266% | 980 |
| Net loans and leases to core deposits | 92.9332% | 1,309 |
| Total domestic deposits to total assets | 90.7961% | 278 |
| Equity capital to assets | 8.7058% | 4,285 |
| Core capital (leverage) ratio | 8.4146% | 4,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $499,753,800 | 1,552 |
| Average earning assets | $475,918,000 | 1,517 |
| Average equity | $43,229,000 | 1,902 |
| Average total loans | $395,432,600 | 1,373 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1410% | 2,552 |
| Cost of funding earning assets | 0.5742% | 2,777 |
| Net interest margin | 3.5668% | 2,373 |
| Noninterest income to average assets | 0.3443% | 3,411 |
| Noninterest expense to average assets | 2.3148% | 3,381 |
| Loan and lease loss provision to assets | 0.1310% | 2,714 |
| Net operating income to assets | 0.9856% | 2,389 |
| Return on assets (ROA) | 0.9856% | 2,525 |
| Pretax return on assets | 1.2934% | 2,082 |
| Return on Equity (ROE) | 11.4142% | 1,551 |
| Retained earnings to average equity (ytd only) | 11.4142% | 505 |
| Net charge-offs to loans | 0.1432% | 1,023 |
| Credit loss provision to net charge-offs | 116.6265% | 2,510 |
| Earnings coverage of net charge-offs (x) | 12.6795% | 2,239 |
| Efficiency ratio | 61.9055% | 3,093 |
| Assets per employee ($millions) | 7.0702% | 1,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5892% | 4,744 |
| Loan loss allowance to noncurrent loans | 189.5161% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.2412% | 3,230 |
| Noncurrent loans to loans | 0.3109% | 3,170 |
| Net loans and leases to total assets | 77.1124% | 947 |
| Net loans and leases to deposits | 92.3147% | 1,047 |
| Net loans and leases to core deposits | 96.4911% | 1,415 |
| Total domestic deposits to total assets | 83.5321% | 2,979 |
| Equity capital to assets | 7.8649% | 4,757 |
| Core capital (leverage) ratio | 8.7569% | 3,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $492,533,750 | 1,554 |
| Average earning assets | $468,798,750 | 1,517 |
| Average equity | $42,530,750 | 1,906 |
| Average total loans | $386,385,500 | 1,397 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2088% | 2,734 |
| Cost of funding earning assets | 0.6671% | 2,581 |
| Net interest margin | 3.5417% | 2,670 |
| Noninterest income to average assets | 0.3691% | 3,264 |
| Noninterest expense to average assets | 2.3666% | 3,355 |
| Loan and lease loss provision to assets | 0.0786% | 3,313 |
| Net operating income to assets | 0.9761% | 2,409 |
| Return on assets (ROA) | 0.9761% | 2,540 |
| Pretax return on assets | 1.2876% | 2,077 |
| Return on Equity (ROE) | 10.9123% | 1,660 |
| Retained earnings to average equity (ytd only) | 10.9123% | 613 |
| Net charge-offs to loans | 0.0065% | 2,733 |
| Credit loss provision to net charge-offs | 1,533.3333% | 591 |
| Earnings coverage of net charge-offs (x) | 266.5000% | 356 |
| Efficiency ratio | 63.4012% | 2,899 |
| Assets per employee ($millions) | 7.2299% | 1,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6177% | 4,719 |
| Loan loss allowance to noncurrent loans | 147.0460% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 0.3327% | 2,976 |
| Noncurrent loans to loans | 0.4201% | 2,907 |
| Net loans and leases to total assets | 78.7038% | 753 |
| Net loans and leases to deposits | 91.1024% | 1,253 |
| Net loans and leases to core deposits | 96.0791% | 1,577 |
| Total domestic deposits to total assets | 86.3905% | 1,849 |
| Equity capital to assets | 7.8465% | 4,789 |
| Core capital (leverage) ratio | 8.4237% | 4,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $468,173,000 | 1,594 |
| Average earning assets | $444,643,333 | 1,560 |
| Average equity | $41,879,333 | 1,924 |
| Average total loans | $368,932,333 | 1,434 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5767% | 2,076 |
| Cost of funding earning assets | 0.8715% | 2,007 |
| Net interest margin | 3.7052% | 2,304 |
| Noninterest income to average assets | 0.4304% | 2,907 |
| Noninterest expense to average assets | 2.7414% | 2,599 |
| Loan and lease loss provision to assets | 0.0702% | 2,860 |
| Net operating income to assets | 0.8542% | 2,690 |
| Return on assets (ROA) | 0.8542% | 2,785 |
| Pretax return on assets | 1.1274% | 2,431 |
| Return on Equity (ROE) | 8.8508% | 2,172 |
| Retained earnings to average equity (ytd only) | 8.8508% | 1,014 |
| Net charge-offs to loans | 0.0143% | 2,092 |
| Credit loss provision to net charge-offs | 625.0000% | 771 |
| Earnings coverage of net charge-offs (x) | 106.6667% | 552 |
| Efficiency ratio | 69.5962% | 2,412 |
| Assets per employee ($millions) | 5.6718% | 1,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7607% | 4,490 |
| Loan loss allowance to noncurrent loans | 119.3429% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 0.4948% | 2,511 |
| Noncurrent loans to loans | 0.6374% | 2,398 |
| Net loans and leases to total assets | 77.0423% | 1,127 |
| Net loans and leases to deposits | 86.7962% | 1,899 |
| Net loans and leases to core deposits | 94.7012% | 1,907 |
| Total domestic deposits to total assets | 88.7623% | 774 |
| Equity capital to assets | 9.5543% | 4,168 |
| Core capital (leverage) ratio | 9.8075% | 3,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $427,524,500 | 1,681 |
| Average earning assets | $404,832,500 | 1,653 |
| Average equity | $41,262,000 | 1,942 |
| Average total loans | $335,827,500 | 1,498 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9293% | 1,666 |
| Cost of funding earning assets | 1.0394% | 1,562 |
| Net interest margin | 3.8899% | 2,217 |
| Noninterest income to average assets | 0.4246% | 3,140 |
| Noninterest expense to average assets | 2.6699% | 2,969 |
| Loan and lease loss provision to assets | 0.0293% | 3,426 |
| Net operating income to assets | 1.0465% | 2,668 |
| Return on assets (ROA) | 1.0465% | 2,766 |
| Pretax return on assets | 1.3860% | 2,218 |
| Return on Equity (ROE) | 10.9960% | 1,896 |
| Retained earnings to average equity (ytd only) | 10.9960% | 334 |
| Net charge-offs to loans | 0.0874% | 1,875 |
| Credit loss provision to net charge-offs | 42.9603% | 3,177 |
| Earnings coverage of net charge-offs (x) | 20.7220% | 1,920 |
| Efficiency ratio | 65.3549% | 2,865 |
| Assets per employee ($millions) | 5.5777% | 1,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7564% | 4,429 |
| Loan loss allowance to noncurrent loans | 232.7475% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.2584% | 3,398 |
| Noncurrent loans to loans | 0.3250% | 3,274 |
| Net loans and leases to total assets | 78.9094% | 949 |
| Net loans and leases to deposits | 94.5474% | 1,101 |
| Net loans and leases to core deposits | 107.3594% | 1,018 |
| Total domestic deposits to total assets | 83.4602% | 3,042 |
| Equity capital to assets | 9.7527% | 4,151 |
| Core capital (leverage) ratio | 9.8633% | 3,658 |
| Tier 1 risk-based capital ratio | 11.4254% | 4,665 |
| Total risk-based capital ratio | 12.1497% | 4,801 |
| Memoranda: | ||
| Average total assets | $405,558,600 | 1,722 |
| Average earning assets | $381,654,000 | 1,701 |
| Average equity | $38,596,000 | 1,991 |
| Average total loans | $316,982,000 | 1,535 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9527% | 1,672 |
| Cost of funding earning assets | 1.0474% | 1,550 |
| Net interest margin | 3.9053% | 2,231 |
| Noninterest income to average assets | 0.3638% | 3,544 |
| Noninterest expense to average assets | 2.6681% | 2,953 |
| Loan and lease loss provision to assets | 0.0394% | 3,115 |
| Net operating income to assets | 0.9918% | 3,013 |
| Return on assets (ROA) | 0.9918% | 3,083 |
| Pretax return on assets | 1.3281% | 2,571 |
| Return on Equity (ROE) | 10.4889% | 2,218 |
| Retained earnings to average equity (ytd only) | 10.4889% | 632 |
| Net charge-offs to loans | 0.1256% | 1,256 |
| Credit loss provision to net charge-offs | 40.3390% | 2,855 |
| Earnings coverage of net charge-offs (x) | 13.9900% | 2,262 |
| Efficiency ratio | 66.1138% | 2,710 |
| Assets per employee ($millions) | 5.8597% | 1,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7769% | 4,468 |
| Loan loss allowance to noncurrent loans | 165.6064% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.3627% | 3,051 |
| Noncurrent loans to loans | 0.4691% | 2,894 |
| Net loans and leases to total assets | 76.7194% | 1,355 |
| Net loans and leases to deposits | 92.8791% | 1,330 |
| Net loans and leases to core deposits | 106.8775% | 1,117 |
| Total domestic deposits to total assets | 82.6013% | 3,280 |
| Equity capital to assets | 9.4987% | 4,453 |
| Core capital (leverage) ratio | 9.8046% | 3,851 |
| Tier 1 risk-based capital ratio | 11.4173% | 4,714 |
| Total risk-based capital ratio | 12.1596% | 4,836 |
| Memoranda: | ||
| Average total assets | $402,367,250 | 1,744 |
| Average earning assets | $378,318,250 | 1,727 |
| Average equity | $38,045,500 | 2,023 |
| Average total loans | $313,074,250 | 1,562 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0043% | 1,477 |
| Cost of funding earning assets | 1.0395% | 1,534 |
| Net interest margin | 3.9649% | 2,039 |
| Noninterest income to average assets | 0.3801% | 3,400 |
| Noninterest expense to average assets | 2.6475% | 3,067 |
| Loan and lease loss provision to assets | 0.0236% | 3,334 |
| Net operating income to assets | 1.0809% | 2,596 |
| Return on assets (ROA) | 1.0809% | 2,666 |
| Pretax return on assets | 1.4369% | 2,080 |
| Return on Equity (ROE) | 11.4500% | 1,807 |
| Retained earnings to average equity (ytd only) | 11.4500% | 491 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4474% | 3,064 |
| Assets per employee ($millions) | 5.4942% | 1,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8709% | 4,193 |
| Loan loss allowance to noncurrent loans | 858.3596% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.0801% | 4,360 |
| Noncurrent loans to loans | 0.1015% | 4,220 |
| Net loans and leases to total assets | 78.2975% | 1,166 |
| Net loans and leases to deposits | 95.4352% | 1,101 |
| Net loans and leases to core deposits | 109.8793% | 985 |
| Total domestic deposits to total assets | 82.0427% | 3,504 |
| Equity capital to assets | 9.7689% | 4,170 |
| Core capital (leverage) ratio | 9.7740% | 3,852 |
| Tier 1 risk-based capital ratio | 11.5673% | 4,650 |
| Total risk-based capital ratio | 12.4029% | 4,746 |
| Memoranda: | ||
| Average total assets | $397,810,670 | 1,763 |
| Average earning assets | $374,036,670 | 1,745 |
| Average equity | $37,554,670 | 2,038 |
| Average total loans | $310,205,670 | 1,574 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0117% | 1,316 |
| Cost of funding earning assets | 1.0026% | 1,556 |
| Net interest margin | 4.0092% | 1,830 |
| Noninterest income to average assets | 0.3540% | 3,491 |
| Noninterest expense to average assets | 2.6241% | 3,146 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1220% | 2,385 |
| Return on assets (ROA) | 1.1220% | 2,433 |
| Pretax return on assets | 1.4990% | 1,777 |
| Return on Equity (ROE) | 12.0940% | 1,500 |
| Retained earnings to average equity (ytd only) | 12.0940% | 595 |
| Net charge-offs to loans | 0.0013% | 2,716 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 1,495.0000% | 27 |
| Efficiency ratio | 63.6430% | 3,293 |
| Assets per employee ($millions) | 5.6475% | 1,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8748% | 4,260 |
| Loan loss allowance to noncurrent loans | 840.5660% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.0804% | 4,401 |
| Noncurrent loans to loans | 0.1041% | 4,270 |
| Net loans and leases to total assets | 76.6163% | 1,379 |
| Net loans and leases to deposits | 93.1059% | 1,270 |
| Net loans and leases to core deposits | 105.0350% | 1,242 |
| Total domestic deposits to total assets | 82.2894% | 3,649 |
| Equity capital to assets | 9.5072% | 4,251 |
| Core capital (leverage) ratio | 9.5703% | 4,056 |
| Tier 1 risk-based capital ratio | 11.4259% | 4,775 |
| Total risk-based capital ratio | 12.2600% | 4,873 |
| Memoranda: | ||
| Average total assets | $398,925,000 | 1,774 |
| Average earning assets | $375,041,500 | 1,751 |
| Average equity | $37,010,000 | 2,056 |
| Average total loans | $309,082,500 | 1,595 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7482% | 1,683 |
| Cost of funding earning assets | 0.7644% | 1,718 |
| Net interest margin | 3.9838% | 2,043 |
| Noninterest income to average assets | 0.4618% | 3,038 |
| Noninterest expense to average assets | 2.6431% | 3,201 |
| Loan and lease loss provision to assets | 0.1031% | 2,131 |
| Net operating income to assets | 1.1084% | 2,562 |
| Return on assets (ROA) | 1.1084% | 2,562 |
| Pretax return on assets | 1.4689% | 1,877 |
| Return on Equity (ROE) | 12.3626% | 1,593 |
| Retained earnings to average equity (ytd only) | 12.3626% | 293 |
| Net charge-offs to loans | 0.1053% | 1,707 |
| Credit loss provision to net charge-offs | 123.4177% | 2,119 |
| Earnings coverage of net charge-offs (x) | 18.8101% | 2,110 |
| Efficiency ratio | 62.7055% | 3,403 |
| Assets per employee ($millions) | 6.0989% | 1,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8557% | 4,343 |
| Loan loss allowance to noncurrent loans | 593.1264% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.1120% | 4,269 |
| Noncurrent loans to loans | 0.1443% | 4,096 |
| Net loans and leases to total assets | 76.9974% | 1,442 |
| Net loans and leases to deposits | 95.1135% | 1,159 |
| Net loans and leases to core deposits | 106.6615% | 1,218 |
| Total domestic deposits to total assets | 80.9531% | 3,902 |
| Equity capital to assets | 9.0518% | 4,536 |
| Core capital (leverage) ratio | 9.3156% | 4,344 |
| Tier 1 risk-based capital ratio | 10.7827% | 5,078 |
| Total risk-based capital ratio | 11.5951% | 5,143 |
| Memoranda: | ||
| Average total assets | $378,113,600 | 1,806 |
| Average earning assets | $356,239,800 | 1,784 |
| Average equity | $33,900,600 | 2,119 |
| Average total loans | $300,226,400 | 1,597 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6755% | 1,748 |
| Cost of funding earning assets | 0.7090% | 1,797 |
| Net interest margin | 3.9665% | 2,064 |
| Noninterest income to average assets | 0.4502% | 3,172 |
| Noninterest expense to average assets | 2.7131% | 2,938 |
| Loan and lease loss provision to assets | 0.1183% | 1,716 |
| Net operating income to assets | 1.0175% | 3,013 |
| Return on assets (ROA) | 1.0175% | 3,028 |
| Pretax return on assets | 1.3580% | 2,388 |
| Return on Equity (ROE) | 11.3784% | 2,026 |
| Retained earnings to average equity (ytd only) | 11.3784% | 577 |
| Net charge-offs to loans | 0.2212% | 771 |
| Credit loss provision to net charge-offs | 66.9371% | 2,663 |
| Earnings coverage of net charge-offs (x) | 8.3549% | 2,719 |
| Efficiency ratio | 64.7617% | 3,061 |
| Assets per employee ($millions) | 5.6304% | 1,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7952% | 4,637 |
| Loan loss allowance to noncurrent loans | 286.1502% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.2775% | 3,573 |
| Noncurrent loans to loans | 0.2779% | 3,689 |
| Net loans and leases to total assets | 78.2910% | 1,296 |
| Net loans and leases to deposits | 94.7194% | 1,297 |
| Net loans and leases to core deposits | 105.8850% | 1,317 |
| Total domestic deposits to total assets | 82.6558% | 3,418 |
| Equity capital to assets | 9.0227% | 4,526 |
| Core capital (leverage) ratio | 9.1327% | 4,582 |
| Tier 1 risk-based capital ratio | 10.7133% | 5,165 |
| Total risk-based capital ratio | 11.4799% | 5,249 |
| Memoranda: | ||
| Average total assets | $372,010,000 | 1,833 |
| Average earning assets | $350,698,000 | 1,811 |
| Average equity | $33,266,750 | 2,148 |
| Average total loans | $297,130,250 | 1,613 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5894% | 1,811 |
| Cost of funding earning assets | 0.6623% | 1,855 |
| Net interest margin | 3.9271% | 2,118 |
| Noninterest income to average assets | 0.5375% | 2,652 |
| Noninterest expense to average assets | 2.7781% | 2,726 |
| Loan and lease loss provision to assets | 0.1200% | 1,644 |
| Net operating income to assets | 1.0057% | 2,988 |
| Return on assets (ROA) | 1.0057% | 2,990 |
| Pretax return on assets | 1.3407% | 2,360 |
| Return on Equity (ROE) | 11.2821% | 2,000 |
| Retained earnings to average equity (ytd only) | 11.2821% | 621 |
| Net charge-offs to loans | 0.2783% | 572 |
| Credit loss provision to net charge-offs | 53.7897% | 2,472 |
| Earnings coverage of net charge-offs (x) | 6.5452% | 2,614 |
| Efficiency ratio | 65.5381% | 3,056 |
| Assets per employee ($millions) | 5.4846% | 1,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7951% | 4,711 |
| Loan loss allowance to noncurrent loans | 174.0260% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.4322% | 2,995 |
| Noncurrent loans to loans | 0.4569% | 3,069 |
| Net loans and leases to total assets | 80.6960% | 909 |
| Net loans and leases to deposits | 98.0412% | 963 |
| Net loans and leases to core deposits | 109.9458% | 1,007 |
| Total domestic deposits to total assets | 82.3083% | 3,626 |
| Equity capital to assets | 9.1242% | 4,458 |
| Core capital (leverage) ratio | 9.1850% | 4,480 |
| Tier 1 risk-based capital ratio | 10.4705% | 5,279 |
| Total risk-based capital ratio | 11.2343% | 5,375 |
| Memoranda: | ||
| Average total assets | $366,514,000 | 1,859 |
| Average earning assets | $345,445,330 | 1,839 |
| Average equity | $32,671,330 | 2,184 |
| Average total loans | $293,974,670 | 1,633 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4853% | 1,910 |
| Cost of funding earning assets | 0.6658% | 1,623 |
| Net interest margin | 3.8195% | 2,338 |
| Noninterest income to average assets | 0.4217% | 3,305 |
| Noninterest expense to average assets | 2.8902% | 2,407 |
| Loan and lease loss provision to assets | 0.1475% | 1,239 |
| Net operating income to assets | 0.7432% | 3,929 |
| Return on assets (ROA) | 0.7432% | 3,931 |
| Pretax return on assets | 0.9843% | 3,587 |
| Return on Equity (ROE) | 8.4395% | 3,173 |
| Retained earnings to average equity (ytd only) | 8.4395% | 1,678 |
| Net charge-offs to loans | 0.6056% | 249 |
| Credit loss provision to net charge-offs | 30.5936% | 2,062 |
| Earnings coverage of net charge-offs (x) | 2.3470% | 2,474 |
| Efficiency ratio | 71.8587% | 2,210 |
| Assets per employee ($millions) | 5.2687% | 2,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7868% | 4,821 |
| Loan loss allowance to noncurrent loans | 68.5987% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 0.9688% | 1,631 |
| Noncurrent loans to loans | 1.1470% | 1,590 |
| Net loans and leases to total assets | 78.5000% | 1,160 |
| Net loans and leases to deposits | 92.7505% | 1,359 |
| Net loans and leases to core deposits | 105.9071% | 1,244 |
| Total domestic deposits to total assets | 84.6357% | 3,058 |
| Equity capital to assets | 8.9022% | 4,657 |
| Core capital (leverage) ratio | 8.9342% | 4,752 |
| Tier 1 risk-based capital ratio | 10.4042% | 5,379 |
| Total risk-based capital ratio | 11.1541% | 5,469 |
| Memoranda: | ||
| Average total assets | $363,294,000 | 1,884 |
| Average earning assets | $342,450,000 | 1,861 |
| Average equity | $31,992,500 | 2,243 |
| Average total loans | $289,276,500 | 1,657 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4617% | 1,840 |
| Cost of funding earning assets | 0.5706% | 1,826 |
| Net interest margin | 3.8911% | 2,113 |
| Noninterest income to average assets | 0.5766% | 2,574 |
| Noninterest expense to average assets | 2.7322% | 3,024 |
| Loan and lease loss provision to assets | 0.1438% | 1,581 |
| Net operating income to assets | 0.8259% | 3,054 |
| Return on assets (ROA) | 0.8259% | 3,093 |
| Pretax return on assets | 1.3447% | 2,195 |
| Return on Equity (ROE) | 9.6631% | 2,029 |
| Retained earnings to average equity (ytd only) | 9.6631% | 398 |
| Net charge-offs to loans | 0.0697% | 2,457 |
| Credit loss provision to net charge-offs | 251.3089% | 1,095 |
| Earnings coverage of net charge-offs (x) | 26.0157% | 1,693 |
| Efficiency ratio | 64.7339% | 3,490 |
| Assets per employee ($millions) | 5.1852% | 2,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9071% | 4,444 |
| Loan loss allowance to noncurrent loans | 76.6804% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 1.0532% | 1,445 |
| Noncurrent loans to loans | 1.1829% | 1,502 |
| Net loans and leases to total assets | 79.4180% | 1,051 |
| Net loans and leases to deposits | 97.2812% | 966 |
| Net loans and leases to core deposits | 113.6819% | 812 |
| Total domestic deposits to total assets | 81.6375% | 3,960 |
| Equity capital to assets | 8.7073% | 4,956 |
| Core capital (leverage) ratio | 8.9657% | 4,691 |
| Tier 1 risk-based capital ratio | 9.9292% | 5,548 |
| Total risk-based capital ratio | 10.7807% | 5,580 |
| Memoranda: | ||
| Average total assets | $333,828,800 | 1,986 |
| Average earning assets | $312,640,200 | 1,973 |
| Average equity | $28,531,200 | 2,460 |
| Average total loans | $273,992,200 | 1,694 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4582% | 1,762 |
| Cost of funding earning assets | 0.5550% | 1,857 |
| Net interest margin | 3.9032% | 2,031 |
| Noninterest income to average assets | 0.4966% | 3,047 |
| Noninterest expense to average assets | 2.7016% | 3,059 |
| Loan and lease loss provision to assets | 0.1952% | 980 |
| Net operating income to assets | 0.7918% | 3,553 |
| Return on assets (ROA) | 0.7918% | 3,605 |
| Pretax return on assets | 1.2494% | 2,709 |
| Return on Equity (ROE) | 9.3125% | 2,438 |
| Retained earnings to average equity (ytd only) | 9.3125% | 754 |
| Net charge-offs to loans | 0.0965% | 1,814 |
| Credit loss provision to net charge-offs | 244.8980% | 1,150 |
| Earnings coverage of net charge-offs (x) | 18.1222% | 2,069 |
| Efficiency ratio | 65.1594% | 3,348 |
| Assets per employee ($millions) | 5.1670% | 2,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9280% | 4,436 |
| Loan loss allowance to noncurrent loans | 68.6954% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 1.2656% | 1,282 |
| Noncurrent loans to loans | 1.3509% | 1,401 |
| Net loans and leases to total assets | 81.2688% | 796 |
| Net loans and leases to deposits | 98.9482% | 826 |
| Net loans and leases to core deposits | 117.0503% | 705 |
| Total domestic deposits to total assets | 82.1327% | 3,736 |
| Equity capital to assets | 8.6026% | 5,223 |
| Core capital (leverage) ratio | 8.7234% | 5,034 |
| Tier 1 risk-based capital ratio | 9.7344% | 5,643 |
| Total risk-based capital ratio | 10.6193% | 5,669 |
| Memoranda: | ||
| Average total assets | $327,841,250 | 2,033 |
| Average earning assets | $306,540,750 | 2,020 |
| Average equity | $27,875,750 | 2,512 |
| Average total loans | $270,804,750 | 1,715 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3935% | 1,835 |
| Cost of funding earning assets | 0.5311% | 1,903 |
| Net interest margin | 3.8624% | 2,053 |
| Noninterest income to average assets | 0.5918% | 2,499 |
| Noninterest expense to average assets | 2.7133% | 3,046 |
| Loan and lease loss provision to assets | 0.2968% | 524 |
| Net operating income to assets | 0.7538% | 3,621 |
| Return on assets (ROA) | 0.7538% | 3,672 |
| Pretax return on assets | 1.1884% | 2,808 |
| Return on Equity (ROE) | 8.9015% | 2,555 |
| Retained earnings to average equity (ytd only) | 8.9015% | 871 |
| Net charge-offs to loans | 0.1650% | 1,180 |
| Credit loss provision to net charge-offs | 217.1946% | 1,194 |
| Earnings coverage of net charge-offs (x) | 10.8688% | 2,314 |
| Efficiency ratio | 64.6244% | 3,563 |
| Assets per employee ($millions) | 4.9783% | 2,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9064% | 4,616 |
| Loan loss allowance to noncurrent loans | 98.9607% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 0.9399% | 1,872 |
| Noncurrent loans to loans | 0.9159% | 2,137 |
| Net loans and leases to total assets | 84.2714% | 417 |
| Net loans and leases to deposits | 102.7433% | 561 |
| Net loans and leases to core deposits | 120.5216% | 540 |
| Total domestic deposits to total assets | 82.0213% | 3,886 |
| Equity capital to assets | 8.5758% | 5,248 |
| Core capital (leverage) ratio | 8.7528% | 5,003 |
| Tier 1 risk-based capital ratio | 9.2816% | 5,725 |
| Total risk-based capital ratio | 10.1389% | 5,744 |
| Memoranda: | ||
| Average total assets | $323,446,670 | 2,064 |
| Average earning assets | $302,038,000 | 2,043 |
| Average equity | $27,388,670 | 2,546 |
| Average total loans | $267,825,330 | 1,730 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3009% | 1,950 |
| Cost of funding earning assets | 0.5134% | 1,977 |
| Net interest margin | 3.7876% | 2,158 |
| Noninterest income to average assets | 0.8367% | 1,443 |
| Noninterest expense to average assets | 2.7161% | 3,080 |
| Loan and lease loss provision to assets | 0.4523% | 230 |
| Net operating income to assets | 0.7613% | 3,420 |
| Return on assets (ROA) | 0.7613% | 3,472 |
| Pretax return on assets | 1.1998% | 2,594 |
| Return on Equity (ROE) | 9.0512% | 2,391 |
| Retained earnings to average equity (ytd only) | 9.0512% | 1,059 |
| Net charge-offs to loans | 0.3278% | 560 |
| Credit loss provision to net charge-offs | 169.0141% | 1,126 |
| Earnings coverage of net charge-offs (x) | 6.1737% | 2,234 |
| Efficiency ratio | 62.1800% | 4,124 |
| Assets per employee ($millions) | 5.2316% | 2,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9221% | 4,670 |
| Loan loss allowance to noncurrent loans | 52.5764% | 4,590 |
| Noncurrent assets plus other real estate owned to assets | 1.8440% | 757 |
| Noncurrent loans to loans | 1.7539% | 1,083 |
| Net loans and leases to total assets | 81.4548% | 627 |
| Net loans and leases to deposits | 99.4860% | 647 |
| Net loans and leases to core deposits | 114.7361% | 643 |
| Total domestic deposits to total assets | 81.8756% | 4,199 |
| Equity capital to assets | 8.3506% | 5,329 |
| Core capital (leverage) ratio | 8.4850% | 5,240 |
| Tier 1 risk-based capital ratio | 9.1816% | 5,795 |
| Total risk-based capital ratio | 10.0375% | 5,815 |
| Memoranda: | ||
| Average total assets | $318,397,500 | 2,102 |
| Average earning assets | $296,865,000 | 2,089 |
| Average equity | $26,781,000 | 2,590 |
| Average total loans | $259,911,000 | 1,774 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3731% | 1,904 |
| Cost of funding earning assets | 0.5108% | 2,009 |
| Net interest margin | 3.8622% | 2,094 |
| Noninterest income to average assets | 0.2019% | 5,207 |
| Noninterest expense to average assets | 2.8833% | 2,729 |
| Loan and lease loss provision to assets | 0.0746% | 2,860 |
| Net operating income to assets | 0.5076% | 4,601 |
| Return on assets (ROA) | 0.5076% | 4,676 |
| Pretax return on assets | 0.7879% | 4,214 |
| Return on Equity (ROE) | 5.7589% | 4,090 |
| Retained earnings to average equity (ytd only) | 5.7589% | 1,849 |
| Net charge-offs to loans | 0.0410% | 3,210 |
| Credit loss provision to net charge-offs | 226.0417% | 1,270 |
| Earnings coverage of net charge-offs (x) | 26.1250% | 1,561 |
| Efficiency ratio | 76.9739% | 1,853 |
| Assets per employee ($millions) | 4.8818% | 2,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9133% | 4,734 |
| Loan loss allowance to noncurrent loans | 58.6058% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 1.6800% | 922 |
| Noncurrent loans to loans | 1.5583% | 1,269 |
| Net loans and leases to total assets | 80.2869% | 858 |
| Net loans and leases to deposits | 100.4433% | 642 |
| Net loans and leases to core deposits | 116.6639% | 590 |
| Total domestic deposits to total assets | 79.9326% | 4,592 |
| Equity capital to assets | 8.4740% | 5,290 |
| Core capital (leverage) ratio | 8.8828% | 4,875 |
| Tier 1 risk-based capital ratio | 9.5914% | 5,809 |
| Total risk-based capital ratio | 10.4530% | 5,844 |
| Memoranda: | ||
| Average total assets | $290,777,200 | 2,220 |
| Average earning assets | $266,813,800 | 2,239 |
| Average equity | $25,630,000 | 2,667 |
| Average total loans | $234,166,600 | 1,874 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4046% | 1,848 |
| Cost of funding earning assets | 0.5188% | 1,944 |
| Net interest margin | 3.8859% | 2,021 |
| Noninterest income to average assets | 0.1916% | 5,316 |
| Noninterest expense to average assets | 2.9225% | 2,566 |
| Loan and lease loss provision to assets | 0.1014% | 2,216 |
| Net operating income to assets | 0.4672% | 4,812 |
| Return on assets (ROA) | 0.4672% | 4,889 |
| Pretax return on assets | 0.7200% | 4,554 |
| Return on Equity (ROE) | 5.2454% | 4,413 |
| Retained earnings to average equity (ytd only) | 5.2454% | 2,670 |
| Net charge-offs to loans | 0.0622% | 2,465 |
| Credit loss provision to net charge-offs | 202.8037% | 1,428 |
| Earnings coverage of net charge-offs (x) | 16.4303% | 2,110 |
| Efficiency ratio | 78.0607% | 1,685 |
| Assets per employee ($millions) | 4.7785% | 2,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9729% | 4,543 |
| Loan loss allowance to noncurrent loans | 58.3608% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 1.8190% | 899 |
| Noncurrent loans to loans | 1.6671% | 1,270 |
| Net loans and leases to total assets | 76.5497% | 1,431 |
| Net loans and leases to deposits | 94.2672% | 1,239 |
| Net loans and leases to core deposits | 108.1856% | 1,037 |
| Total domestic deposits to total assets | 81.2050% | 4,195 |
| Equity capital to assets | 8.5017% | 5,529 |
| Core capital (leverage) ratio | 8.8877% | 4,956 |
| Tier 1 risk-based capital ratio | 9.7220% | 5,847 |
| Total risk-based capital ratio | 10.6051% | 5,889 |
| Memoranda: | ||
| Average total assets | $285,362,250 | 2,253 |
| Average earning assets | $260,871,000 | 2,287 |
| Average equity | $25,418,500 | 2,696 |
| Average total loans | $229,418,750 | 1,912 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4476% | 1,682 |
| Cost of funding earning assets | 0.5375% | 1,798 |
| Net interest margin | 3.9101% | 1,946 |
| Noninterest income to average assets | 0.0768% | 5,847 |
| Noninterest expense to average assets | 3.0164% | 2,292 |
| Loan and lease loss provision to assets | 0.1321% | 1,731 |
| Net operating income to assets | 0.3303% | 5,236 |
| Return on assets (ROA) | 0.3303% | 5,317 |
| Pretax return on assets | 0.5012% | 5,124 |
| Return on Equity (ROE) | 3.6472% | 5,038 |
| Retained earnings to average equity (ytd only) | 3.6472% | 3,574 |
| Net charge-offs to loans | 0.0810% | 2,038 |
| Credit loss provision to net charge-offs | 200.0000% | 1,298 |
| Earnings coverage of net charge-offs (x) | 9.5870% | 2,408 |
| Efficiency ratio | 82.6480% | 1,195 |
| Assets per employee ($millions) | 4.4896% | 3,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9693% | 4,674 |
| Loan loss allowance to noncurrent loans | 114.3788% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 1.3100% | 1,539 |
| Noncurrent loans to loans | 0.8475% | 2,628 |
| Net loans and leases to total assets | 81.1733% | 726 |
| Net loans and leases to deposits | 98.4842% | 836 |
| Net loans and leases to core deposits | 113.7700% | 740 |
| Total domestic deposits to total assets | 82.4227% | 3,867 |
| Equity capital to assets | 8.8575% | 5,348 |
| Core capital (leverage) ratio | 8.9149% | 4,924 |
| Tier 1 risk-based capital ratio | 10.3436% | 5,742 |
| Total risk-based capital ratio | 11.2903% | 5,789 |
| Memoranda: | ||
| Average total assets | $278,542,670 | 2,311 |
| Average earning assets | $254,520,670 | 2,350 |
| Average equity | $25,224,670 | 2,722 |
| Average total loans | $227,090,000 | 1,937 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4588% | 1,633 |
| Cost of funding earning assets | 0.5373% | 1,811 |
| Net interest margin | 3.9215% | 1,880 |
| Noninterest income to average assets | 0.1240% | 5,722 |
| Noninterest expense to average assets | 3.0816% | 2,142 |
| Loan and lease loss provision to assets | 0.0438% | 3,045 |
| Net operating income to assets | 0.3764% | 5,067 |
| Return on assets (ROA) | 0.3764% | 5,140 |
| Pretax return on assets | 0.5661% | 4,911 |
| Return on Equity (ROE) | 4.1097% | 4,852 |
| Retained earnings to average equity (ytd only) | 4.1097% | 3,434 |
| Net charge-offs to loans | 0.1077% | 1,480 |
| Credit loss provision to net charge-offs | 50.0000% | 2,049 |
| Earnings coverage of net charge-offs (x) | 6.9667% | 2,190 |
| Efficiency ratio | 83.4783% | 1,206 |
| Assets per employee ($millions) | 4.4791% | 3,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9682% | 4,770 |
| Loan loss allowance to noncurrent loans | 91.4903% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 2.1876% | 759 |
| Noncurrent loans to loans | 1.0582% | 2,276 |
| Net loans and leases to total assets | 78.3331% | 1,058 |
| Net loans and leases to deposits | 97.7989% | 775 |
| Net loans and leases to core deposits | 113.0168% | 710 |
| Total domestic deposits to total assets | 80.0961% | 4,727 |
| Equity capital to assets | 8.9455% | 5,220 |
| Core capital (leverage) ratio | 9.2597% | 4,540 |
| Tier 1 risk-based capital ratio | 10.6236% | 5,698 |
| Total risk-based capital ratio | 11.5463% | 5,757 |
| Memoranda: | ||
| Average total assets | $274,145,500 | 2,352 |
| Average earning assets | $249,397,000 | 2,391 |
| Average equity | $25,111,500 | 2,738 |
| Average total loans | $222,873,000 | 1,964 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5697% | 1,411 |
| Cost of funding earning assets | 0.5195% | 2,001 |
| Net interest margin | 4.0502% | 1,557 |
| Noninterest income to average assets | 0.0999% | 5,876 |
| Noninterest expense to average assets | 3.1248% | 2,163 |
| Loan and lease loss provision to assets | 0.0533% | 3,251 |
| Net operating income to assets | 0.3951% | 5,071 |
| Return on assets (ROA) | 0.3951% | 5,147 |
| Pretax return on assets | 0.6465% | 4,684 |
| Return on Equity (ROE) | 4.1255% | 4,889 |
| Retained earnings to average equity (ytd only) | 4.1255% | 3,066 |
| Net charge-offs to loans | 0.0067% | 4,216 |
| Credit loss provision to net charge-offs | 971.4286% | 354 |
| Earnings coverage of net charge-offs (x) | 127.6429% | 476 |
| Efficiency ratio | 81.7037% | 1,446 |
| Assets per employee ($millions) | 4.2920% | 3,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9845% | 4,695 |
| Loan loss allowance to noncurrent loans | 96.4773% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 1.6366% | 1,198 |
| Noncurrent loans to loans | 1.0205% | 2,299 |
| Net loans and leases to total assets | 82.8053% | 507 |
| Net loans and leases to deposits | 104.7929% | 404 |
| Net loans and leases to core deposits | 121.2087% | 448 |
| Total domestic deposits to total assets | 79.0181% | 4,977 |
| Equity capital to assets | 9.3873% | 4,690 |
| Core capital (leverage) ratio | 9.3446% | 4,403 |
| Tier 1 risk-based capital ratio | 10.9073% | 5,570 |
| Total risk-based capital ratio | 11.8646% | 5,642 |
| Memoranda: | ||
| Average total assets | $255,374,000 | 2,464 |
| Average earning assets | $234,853,600 | 2,463 |
| Average equity | $24,457,600 | 2,737 |
| Average total loans | $209,326,400 | 1,999 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5962% | 1,338 |
| Cost of funding earning assets | 0.5154% | 2,078 |
| Net interest margin | 4.0808% | 1,455 |
| Noninterest income to average assets | 0.1113% | 5,909 |
| Noninterest expense to average assets | 3.1125% | 2,190 |
| Loan and lease loss provision to assets | 0.0580% | 3,028 |
| Net operating income to assets | 0.4188% | 5,088 |
| Return on assets (ROA) | 0.4015% | 5,245 |
| Pretax return on assets | 0.6574% | 4,810 |
| Return on Equity (ROE) | 4.1708% | 4,968 |
| Retained earnings to average equity (ytd only) | 4.1708% | 3,497 |
| Net charge-offs to loans | 0.0078% | 3,898 |
| Credit loss provision to net charge-offs | 916.6667% | 396 |
| Earnings coverage of net charge-offs (x) | 117.2469% | 548 |
| Efficiency ratio | 80.7419% | 1,556 |
| Assets per employee ($millions) | 4.1842% | 3,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0154% | 4,664 |
| Loan loss allowance to noncurrent loans | 93.1672% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 1.5565% | 1,434 |
| Noncurrent loans to loans | 1.0899% | 2,304 |
| Net loans and leases to total assets | 80.1759% | 804 |
| Net loans and leases to deposits | 101.7329% | 563 |
| Net loans and leases to core deposits | 115.8079% | 598 |
| Total domestic deposits to total assets | 78.8102% | 5,021 |
| Equity capital to assets | 9.3819% | 4,904 |
| Core capital (leverage) ratio | 9.6781% | 4,056 |
| Tier 1 risk-based capital ratio | 11.1462% | 5,578 |
| Total risk-based capital ratio | 12.1254% | 5,641 |
| Memoranda: | ||
| Average total assets | $252,691,250 | 2,506 |
| Average earning assets | $231,809,000 | 2,511 |
| Average equity | $24,327,000 | 2,770 |
| Average total loans | $206,023,000 | 2,037 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6449% | 1,175 |
| Cost of funding earning assets | 0.5203% | 2,067 |
| Net interest margin | 4.1246% | 1,291 |
| Noninterest income to average assets | 0.0972% | 6,039 |
| Noninterest expense to average assets | 3.1519% | 2,113 |
| Loan and lease loss provision to assets | 0.0723% | 2,664 |
| Net operating income to assets | 0.3895% | 5,163 |
| Return on assets (ROA) | 0.3895% | 5,275 |
| Pretax return on assets | 0.6481% | 4,828 |
| Return on Equity (ROE) | 4.0095% | 5,015 |
| Retained earnings to average equity (ytd only) | 4.0095% | 3,466 |
| Net charge-offs to loans | 0.0629% | 2,478 |
| Credit loss provision to net charge-offs | 140.6250% | 1,597 |
| Earnings coverage of net charge-offs (x) | 14.0156% | 2,090 |
| Efficiency ratio | 81.3978% | 1,574 |
| Assets per employee ($millions) | 3.9620% | 3,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0025% | 4,861 |
| Loan loss allowance to noncurrent loans | 78.0551% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 1.7617% | 1,326 |
| Noncurrent loans to loans | 1.2843% | 2,107 |
| Net loans and leases to total assets | 81.5925% | 594 |
| Net loans and leases to deposits | 104.3913% | 430 |
| Net loans and leases to core deposits | 116.3788% | 579 |
| Total domestic deposits to total assets | 78.1602% | 5,248 |
| Equity capital to assets | 9.6445% | 4,476 |
| Core capital (leverage) ratio | 9.7401% | 3,951 |
| Tier 1 risk-based capital ratio | 11.3216% | 5,564 |
| Total risk-based capital ratio | 12.2939% | 5,610 |
| Memoranda: | ||
| Average total assets | $249,054,000 | 2,556 |
| Average earning assets | $227,948,000 | 2,560 |
| Average equity | $24,192,330 | 2,790 |
| Average total loans | $203,526,000 | 2,057 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6754% | 1,074 |
| Cost of funding earning assets | 0.5272% | 2,032 |
| Net interest margin | 4.1482% | 1,166 |
| Noninterest income to average assets | 0.0794% | 6,151 |
| Noninterest expense to average assets | 3.2140% | 1,951 |
| Loan and lease loss provision to assets | 0.0648% | 2,635 |
| Net operating income to assets | 0.3647% | 5,207 |
| Return on assets (ROA) | 0.3647% | 5,324 |
| Pretax return on assets | 0.5883% | 4,948 |
| Return on Equity (ROE) | 3.7405% | 5,094 |
| Retained earnings to average equity (ytd only) | 3.7405% | 3,765 |
| Net charge-offs to loans | 0.0100% | 3,002 |
| Credit loss provision to net charge-offs | 800.0000% | 387 |
| Earnings coverage of net charge-offs (x) | 80.6000% | 590 |
| Efficiency ratio | 83.1098% | 1,476 |
| Assets per employee ($millions) | 4.1960% | 3,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0623% | 4,696 |
| Loan loss allowance to noncurrent loans | 239.3629% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 1.0887% | 2,445 |
| Noncurrent loans to loans | 0.4438% | 4,258 |
| Net loans and leases to total assets | 77.8321% | 957 |
| Net loans and leases to deposits | 99.5818% | 585 |
| Net loans and leases to core deposits | 113.3419% | 600 |
| Total domestic deposits to total assets | 78.1590% | 5,411 |
| Equity capital to assets | 9.6024% | 4,635 |
| Core capital (leverage) ratio | 9.8382% | 3,839 |
| Tier 1 risk-based capital ratio | 11.7819% | 5,385 |
| Total risk-based capital ratio | 12.8098% | 5,438 |
| Memoranda: | ||
| Average total assets | $246,798,500 | 2,586 |
| Average earning assets | $225,349,000 | 2,594 |
| Average equity | $24,061,000 | 2,820 |
| Average total loans | $200,796,500 | 2,081 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8089% | 1,096 |
| Cost of funding earning assets | 0.5727% | 2,020 |
| Net interest margin | 4.2362% | 1,197 |
| Noninterest income to average assets | 0.0591% | 6,269 |
| Noninterest expense to average assets | 3.1374% | 2,395 |
| Loan and lease loss provision to assets | 0.3606% | 520 |
| Net operating income to assets | 0.2412% | 5,680 |
| Return on assets (ROA) | 0.2795% | 5,640 |
| Pretax return on assets | 0.4408% | 5,403 |
| Return on Equity (ROE) | 2.8020% | 5,541 |
| Retained earnings to average equity (ytd only) | 2.8020% | 4,247 |
| Net charge-offs to loans | 0.4247% | 998 |
| Credit loss provision to net charge-offs | 104.2735% | 2,296 |
| Earnings coverage of net charge-offs (x) | 2.1441% | 4,233 |
| Efficiency ratio | 80.8840% | 1,787 |
| Assets per employee ($millions) | 4.0306% | 3,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0165% | 4,958 |
| Loan loss allowance to noncurrent loans | 158.5441% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 1.5023% | 1,816 |
| Noncurrent loans to loans | 0.6412% | 3,765 |
| Net loans and leases to total assets | 83.3082% | 399 |
| Net loans and leases to deposits | 107.6787% | 306 |
| Net loans and leases to core deposits | 122.3670% | 356 |
| Total domestic deposits to total assets | 77.3674% | 5,541 |
| Equity capital to assets | 9.9021% | 4,229 |
| Core capital (leverage) ratio | 9.7088% | 3,964 |
| Tier 1 risk-based capital ratio | 11.3381% | 5,747 |
| Total risk-based capital ratio | 12.3186% | 5,826 |
| Memoranda: | ||
| Average total assets | $236,817,600 | 2,643 |
| Average earning assets | $213,542,200 | 2,672 |
| Average equity | $23,625,800 | 2,785 |
| Average total loans | $192,864,400 | 2,089 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7760% | 1,148 |
| Cost of funding earning assets | 0.5797% | 2,021 |
| Net interest margin | 4.1962% | 1,300 |
| Noninterest income to average assets | 0.1189% | 6,169 |
| Noninterest expense to average assets | 3.1713% | 2,261 |
| Loan and lease loss provision to assets | 0.4211% | 391 |
| Net operating income to assets | 0.1880% | 5,870 |
| Return on assets (ROA) | 0.2394% | 5,815 |
| Pretax return on assets | 0.3719% | 5,641 |
| Return on Equity (ROE) | 2.3953% | 5,740 |
| Retained earnings to average equity (ytd only) | 2.3953% | 4,858 |
| Net charge-offs to loans | 0.4886% | 797 |
| Credit loss provision to net charge-offs | 106.7432% | 2,085 |
| Earnings coverage of net charge-offs (x) | 1.8063% | 4,073 |
| Efficiency ratio | 81.6526% | 1,664 |
| Assets per employee ($millions) | 4.2067% | 3,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0264% | 5,096 |
| Loan loss allowance to noncurrent loans | 126.0448% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 1.7631% | 1,694 |
| Noncurrent loans to loans | 0.8143% | 3,541 |
| Net loans and leases to total assets | 80.8509% | 630 |
| Net loans and leases to deposits | 103.6717% | 423 |
| Net loans and leases to core deposits | 115.9220% | 510 |
| Total domestic deposits to total assets | 77.9875% | 5,539 |
| Equity capital to assets | 9.5546% | 4,728 |
| Core capital (leverage) ratio | 9.8480% | 3,875 |
| Tier 1 risk-based capital ratio | 11.1690% | 5,924 |
| Total risk-based capital ratio | 12.1509% | 5,992 |
| Memoranda: | ||
| Average total assets | $235,562,750 | 2,667 |
| Average earning assets | $211,358,500 | 2,715 |
| Average equity | $23,545,500 | 2,804 |
| Average total loans | $190,195,750 | 2,127 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7772% | 1,111 |
| Cost of funding earning assets | 0.5973% | 1,920 |
| Net interest margin | 4.1799% | 1,294 |
| Noninterest income to average assets | 0.1997% | 5,764 |
| Noninterest expense to average assets | 3.1536% | 2,322 |
| Loan and lease loss provision to assets | 0.5507% | 264 |
| Net operating income to assets | 0.1556% | 5,944 |
| Return on assets (ROA) | 0.2144% | 5,853 |
| Pretax return on assets | 0.3233% | 5,739 |
| Return on Equity (ROE) | 2.1116% | 5,815 |
| Retained earnings to average equity (ytd only) | 2.1116% | 4,838 |
| Net charge-offs to loans | 0.7709% | 491 |
| Credit loss provision to net charge-offs | 88.8424% | 2,197 |
| Earnings coverage of net charge-offs (x) | 1.2664% | 3,852 |
| Efficiency ratio | 80.0702% | 2,016 |
| Assets per employee ($millions) | 3.9721% | 3,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0083% | 5,305 |
| Loan loss allowance to noncurrent loans | 162.8333% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 2.0081% | 1,596 |
| Noncurrent loans to loans | 0.6192% | 4,165 |
| Net loans and leases to total assets | 81.8554% | 478 |
| Net loans and leases to deposits | 103.6118% | 379 |
| Net loans and leases to core deposits | 106.1025% | 894 |
| Total domestic deposits to total assets | 79.0020% | 5,456 |
| Equity capital to assets | 10.0576% | 4,025 |
| Core capital (leverage) ratio | 10.3431% | 3,147 |
| Tier 1 risk-based capital ratio | 11.6181% | 5,733 |
| Total risk-based capital ratio | 12.5855% | 5,836 |
| Memoranda: | ||
| Average total assets | $231,352,000 | 2,710 |
| Average earning assets | $206,942,330 | 2,766 |
| Average equity | $23,489,330 | 2,803 |
| Average total loans | $186,011,330 | 2,172 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7443% | 1,155 |
| Cost of funding earning assets | 0.6154% | 1,852 |
| Net interest margin | 4.1289% | 1,396 |
| Noninterest income to average assets | 0.1183% | 6,255 |
| Noninterest expense to average assets | 3.1794% | 2,298 |
| Loan and lease loss provision to assets | 0.2349% | 942 |
| Net operating income to assets | 0.2506% | 5,659 |
| Return on assets (ROA) | 0.2506% | 5,702 |
| Pretax return on assets | 0.3585% | 5,572 |
| Return on Equity (ROE) | 2.4564% | 5,645 |
| Retained earnings to average equity (ytd only) | 2.4564% | 4,597 |
| Net charge-offs to loans | 0.2504% | 1,324 |
| Credit loss provision to net charge-offs | 118.4211% | 1,472 |
| Earnings coverage of net charge-offs (x) | 2.9912% | 2,754 |
| Efficiency ratio | 84.2712% | 1,642 |
| Assets per employee ($millions) | 4.2351% | 3,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0986% | 5,124 |
| Loan loss allowance to noncurrent loans | 42.5378% | 5,488 |
| Noncurrent assets plus other real estate owned to assets | 3.2178% | 839 |
| Noncurrent loans to loans | 2.5826% | 1,334 |
| Net loans and leases to total assets | 80.8953% | 467 |
| Net loans and leases to deposits | 100.0839% | 434 |
| Net loans and leases to core deposits | 110.9322% | 554 |
| Total domestic deposits to total assets | 80.8276% | 5,284 |
| Equity capital to assets | 10.2847% | 3,499 |
| Core capital (leverage) ratio | 10.3841% | 3,070 |
| Tier 1 risk-based capital ratio | 11.9358% | 5,682 |
| Total risk-based capital ratio | 12.9845% | 5,734 |
| Memoranda: | ||
| Average total assets | $229,852,500 | 2,745 |
| Average earning assets | $203,444,000 | 2,816 |
| Average equity | $23,449,000 | 2,800 |
| Average total loans | $182,125,500 | 2,211 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8601% | 1,177 |
| Cost of funding earning assets | 0.7222% | 1,665 |
| Net interest margin | 4.1380% | 1,549 |
| Noninterest income to average assets | 0.0479% | 6,552 |
| Noninterest expense to average assets | 3.1699% | 2,514 |
| Loan and lease loss provision to assets | 0.3368% | 952 |
| Net operating income to assets | 0.1693% | 5,890 |
| Return on assets (ROA) | 0.1693% | 5,958 |
| Pretax return on assets | 0.2392% | 5,867 |
| Return on Equity (ROE) | 1.5979% | 5,961 |
| Retained earnings to average equity (ytd only) | 1.5979% | 5,080 |
| Net charge-offs to loans | 0.2580% | 2,420 |
| Credit loss provision to net charge-offs | 168.4932% | 1,352 |
| Earnings coverage of net charge-offs (x) | 2.8813% | 4,037 |
| Efficiency ratio | 84.6229% | 1,559 |
| Assets per employee ($millions) | 4.3586% | 3,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1479% | 4,922 |
| Loan loss allowance to noncurrent loans | 31.5202% | 5,908 |
| Noncurrent assets plus other real estate owned to assets | 3.8562% | 702 |
| Noncurrent loans to loans | 3.6419% | 832 |
| Net loans and leases to total assets | 75.8228% | 1,103 |
| Net loans and leases to deposits | 93.5133% | 913 |
| Net loans and leases to core deposits | 101.6316% | 1,052 |
| Total domestic deposits to total assets | 81.0824% | 5,151 |
| Equity capital to assets | 10.1196% | 3,603 |
| Core capital (leverage) ratio | 10.3890% | 3,035 |
| Tier 1 risk-based capital ratio | 12.3919% | 5,360 |
| Total risk-based capital ratio | 13.4778% | 5,403 |
| Memoranda: | ||
| Average total assets | $219,092,400 | 2,817 |
| Average earning assets | $195,797,000 | 2,880 |
| Average equity | $23,218,600 | 2,798 |
| Average total loans | $169,735,600 | 2,308 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8874% | 1,150 |
| Cost of funding earning assets | 0.7484% | 1,614 |
| Net interest margin | 4.1390% | 1,514 |
| Noninterest income to average assets | -0.0056% | 6,766 |
| Noninterest expense to average assets | 3.1699% | 2,448 |
| Loan and lease loss provision to assets | 0.3677% | 858 |
| Net operating income to assets | 0.1351% | 6,065 |
| Return on assets (ROA) | 0.1351% | 6,135 |
| Pretax return on assets | 0.1758% | 6,082 |
| Return on Equity (ROE) | 1.2597% | 6,132 |
| Retained earnings to average equity (ytd only) | 1.2597% | 5,480 |
| Net charge-offs to loans | 0.3606% | 1,755 |
| Credit loss provision to net charge-offs | 131.2775% | 1,801 |
| Earnings coverage of net charge-offs (x) | 1.9405% | 4,176 |
| Efficiency ratio | 85.3630% | 1,429 |
| Assets per employee ($millions) | 3.9330% | 3,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0891% | 5,369 |
| Loan loss allowance to noncurrent loans | 35.2764% | 5,799 |
| Noncurrent assets plus other real estate owned to assets | 3.7612% | 872 |
| Noncurrent loans to loans | 3.0874% | 1,292 |
| Net loans and leases to total assets | 78.7625% | 675 |
| Net loans and leases to deposits | 98.7200% | 526 |
| Net loans and leases to core deposits | 108.2750% | 655 |
| Total domestic deposits to total assets | 79.7836% | 5,564 |
| Equity capital to assets | 10.7404% | 3,020 |
| Core capital (leverage) ratio | 10.6813% | 2,807 |
| Tier 1 risk-based capital ratio | 12.6211% | 5,377 |
| Total risk-based capital ratio | 13.6494% | 5,452 |
| Memoranda: | ||
| Average total assets | $216,113,750 | 2,874 |
| Average earning assets | $194,181,500 | 2,926 |
| Average equity | $23,179,000 | 2,826 |
| Average total loans | $167,872,000 | 2,332 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8443% | 1,230 |
| Cost of funding earning assets | 0.7874% | 1,483 |
| Net interest margin | 4.0569% | 1,671 |
| Noninterest income to average assets | 0.0704% | 6,611 |
| Noninterest expense to average assets | 3.1484% | 2,515 |
| Loan and lease loss provision to assets | 0.3018% | 1,192 |
| Net operating income to assets | 0.2009% | 5,885 |
| Return on assets (ROA) | 0.2009% | 6,017 |
| Pretax return on assets | 0.2786% | 5,928 |
| Return on Equity (ROE) | 1.8738% | 5,993 |
| Retained earnings to average equity (ytd only) | 1.8738% | 5,076 |
| Net charge-offs to loans | 0.5384% | 1,231 |
| Credit loss provision to net charge-offs | 72.7679% | 2,766 |
| Earnings coverage of net charge-offs (x) | 1.3996% | 4,072 |
| Efficiency ratio | 84.4340% | 1,587 |
| Assets per employee ($millions) | 4.1958% | 3,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9488% | 5,993 |
| Loan loss allowance to noncurrent loans | 32.3565% | 5,937 |
| Noncurrent assets plus other real estate owned to assets | 3.8977% | 910 |
| Noncurrent loans to loans | 2.9325% | 1,526 |
| Net loans and leases to total assets | 77.1283% | 851 |
| Net loans and leases to deposits | 96.3637% | 645 |
| Net loans and leases to core deposits | 105.5643% | 758 |
| Total domestic deposits to total assets | 80.0387% | 5,596 |
| Equity capital to assets | 10.6480% | 3,125 |
| Core capital (leverage) ratio | 10.8071% | 2,552 |
| Tier 1 risk-based capital ratio | 12.7653% | 5,313 |
| Total risk-based capital ratio | 13.6588% | 5,509 |
| Memoranda: | ||
| Average total assets | $216,046,670 | 2,887 |
| Average earning assets | $194,826,330 | 2,928 |
| Average equity | $23,161,000 | 2,847 |
| Average total loans | $166,412,330 | 2,351 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9015% | 1,080 |
| Cost of funding earning assets | 0.8262% | 1,389 |
| Net interest margin | 4.0753% | 1,539 |
| Noninterest income to average assets | 0.1470% | 6,368 |
| Noninterest expense to average assets | 3.1036% | 2,661 |
| Loan and lease loss provision to assets | 0.3107% | 1,099 |
| Net operating income to assets | 0.2754% | 5,644 |
| Return on assets (ROA) | 0.2754% | 5,767 |
| Pretax return on assets | 0.3945% | 5,575 |
| Return on Equity (ROE) | 2.5599% | 5,754 |
| Retained earnings to average equity (ytd only) | 2.5599% | 4,745 |
| Net charge-offs to loans | 0.0146% | 3,855 |
| Credit loss provision to net charge-offs | 2,783.3333% | 113 |
| Earnings coverage of net charge-offs (x) | 63.1667% | 566 |
| Efficiency ratio | 81.4851% | 2,119 |
| Assets per employee ($millions) | 4.0955% | 3,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1535% | 5,390 |
| Loan loss allowance to noncurrent loans | 23.9449% | 6,228 |
| Noncurrent assets plus other real estate owned to assets | 5.5008% | 628 |
| Noncurrent loans to loans | 4.8175% | 808 |
| Net loans and leases to total assets | 76.2471% | 808 |
| Net loans and leases to deposits | 95.7560% | 556 |
| Net loans and leases to core deposits | 105.0914% | 675 |
| Total domestic deposits to total assets | 79.6265% | 5,837 |
| Equity capital to assets | 10.8918% | 3,086 |
| Core capital (leverage) ratio | 10.9455% | 2,303 |
| Tier 1 risk-based capital ratio | 13.1760% | 5,081 |
| Total risk-based capital ratio | 14.2560% | 5,161 |
| Memoranda: | ||
| Average total assets | $214,979,000 | 2,932 |
| Average earning assets | $193,164,000 | 2,976 |
| Average equity | $23,125,500 | 2,905 |
| Average total loans | $164,672,500 | 2,383 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2547% | 1,007 |
| Cost of funding earning assets | 0.9691% | 1,535 |
| Net interest margin | 4.2857% | 1,430 |
| Noninterest income to average assets | -0.1783% | 6,947 |
| Noninterest expense to average assets | 2.8899% | 3,679 |
| Loan and lease loss provision to assets | 0.1120% | 4,232 |
| Net operating income to assets | 0.3761% | 5,196 |
| Return on assets (ROA) | 0.3761% | 5,426 |
| Pretax return on assets | 0.5615% | 5,100 |
| Return on Equity (ROE) | 3.4730% | 5,359 |
| Retained earnings to average equity (ytd only) | 3.4730% | 3,774 |
| Net charge-offs to loans | 0.2733% | 3,291 |
| Credit loss provision to net charge-offs | 53.1674% | 4,614 |
| Earnings coverage of net charge-offs (x) | 3.1968% | 3,837 |
| Efficiency ratio | 81.0995% | 1,998 |
| Assets per employee ($millions) | 4.4284% | 3,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0505% | 5,761 |
| Loan loss allowance to noncurrent loans | 39.0893% | 5,671 |
| Noncurrent assets plus other real estate owned to assets | 3.8029% | 1,153 |
| Noncurrent loans to loans | 2.6874% | 1,967 |
| Net loans and leases to total assets | 75.2726% | 1,014 |
| Net loans and leases to deposits | 94.0209% | 748 |
| Net loans and leases to core deposits | 101.7169% | 906 |
| Total domestic deposits to total assets | 80.0594% | 5,646 |
| Equity capital to assets | 10.6249% | 3,371 |
| Core capital (leverage) ratio | 11.0033% | 2,251 |
| Tier 1 risk-based capital ratio | 13.1254% | 5,021 |
| Total risk-based capital ratio | 14.1162% | 5,144 |
| Memoranda: | ||
| Average total assets | $209,797,400 | 2,927 |
| Average earning assets | $183,168,800 | 3,050 |
| Average equity | $22,718,200 | 2,882 |
| Average total loans | $161,742,400 | 2,404 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3980% | 840 |
| Cost of funding earning assets | 1.0039% | 1,533 |
| Net interest margin | 4.3941% | 1,212 |
| Noninterest income to average assets | -0.1551% | 7,056 |
| Noninterest expense to average assets | 2.8531% | 3,782 |
| Loan and lease loss provision to assets | 0.1218% | 4,033 |
| Net operating income to assets | 0.4493% | 5,037 |
| Return on assets (ROA) | 0.4493% | 5,286 |
| Pretax return on assets | 0.6743% | 4,940 |
| Return on Equity (ROE) | 4.1294% | 5,242 |
| Retained earnings to average equity (ytd only) | 4.1294% | 3,998 |
| Net charge-offs to loans | 0.3397% | 2,756 |
| Credit loss provision to net charge-offs | 46.3415% | 4,487 |
| Earnings coverage of net charge-offs (x) | 3.0293% | 3,822 |
| Efficiency ratio | 78.1837% | 2,377 |
| Assets per employee ($millions) | 4.1905% | 3,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0642% | 5,842 |
| Loan loss allowance to noncurrent loans | 87.1392% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 3.1105% | 1,668 |
| Noncurrent loans to loans | 1.2213% | 4,013 |
| Net loans and leases to total assets | 77.9189% | 742 |
| Net loans and leases to deposits | 98.9028% | 500 |
| Net loans and leases to core deposits | 106.8001% | 702 |
| Total domestic deposits to total assets | 78.7833% | 5,922 |
| Equity capital to assets | 11.1944% | 3,042 |
| Core capital (leverage) ratio | 11.0784% | 2,315 |
| Tier 1 risk-based capital ratio | 13.2582% | 5,048 |
| Total risk-based capital ratio | 14.2603% | 5,200 |
| Memoranda: | ||
| Average total assets | $207,999,250 | 2,981 |
| Average earning assets | $180,085,250 | 3,119 |
| Average equity | $22,634,000 | 2,918 |
| Average total loans | $160,911,000 | 2,442 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3720% | 922 |
| Cost of funding earning assets | 1.0390% | 1,533 |
| Net interest margin | 4.3330% | 1,385 |
| Noninterest income to average assets | -0.1178% | 7,106 |
| Noninterest expense to average assets | 2.8149% | 3,957 |
| Loan and lease loss provision to assets | 0.1149% | 4,092 |
| Net operating income to assets | 0.4404% | 5,078 |
| Return on assets (ROA) | 0.4404% | 5,305 |
| Pretax return on assets | 0.6578% | 4,951 |
| Return on Equity (ROE) | 4.0859% | 5,223 |
| Retained earnings to average equity (ytd only) | 4.0859% | 3,888 |
| Net charge-offs to loans | 0.1830% | 3,494 |
| Credit loss provision to net charge-offs | 81.6327% | 3,272 |
| Earnings coverage of net charge-offs (x) | 5.4898% | 2,824 |
| Efficiency ratio | 78.4628% | 2,401 |
| Assets per employee ($millions) | 4.5245% | 2,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1900% | 5,400 |
| Loan loss allowance to noncurrent loans | 97.2561% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 3.2323% | 1,686 |
| Noncurrent loans to loans | 1.2236% | 4,097 |
| Net loans and leases to total assets | 78.0558% | 713 |
| Net loans and leases to deposits | 99.0051% | 469 |
| Net loans and leases to core deposits | 106.0865% | 738 |
| Total domestic deposits to total assets | 78.8402% | 5,986 |
| Equity capital to assets | 11.1663% | 2,929 |
| Core capital (leverage) ratio | 11.0133% | 2,280 |
| Tier 1 risk-based capital ratio | 13.1933% | 5,042 |
| Total risk-based capital ratio | 14.3182% | 5,119 |
| Memoranda: | ||
| Average total assets | $208,887,670 | 2,979 |
| Average earning assets | $178,629,670 | 3,154 |
| Average equity | $22,516,670 | 2,920 |
| Average total loans | $160,643,000 | 2,458 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3733% | 954 |
| Cost of funding earning assets | 1.1039% | 1,387 |
| Net interest margin | 4.2694% | 1,564 |
| Noninterest income to average assets | 0.0038% | 7,081 |
| Noninterest expense to average assets | 2.7949% | 4,055 |
| Loan and lease loss provision to assets | 0.0945% | 4,167 |
| Net operating income to assets | 0.4652% | 4,977 |
| Return on assets (ROA) | 0.4652% | 5,174 |
| Pretax return on assets | 0.6978% | 4,798 |
| Return on Equity (ROE) | 4.3914% | 5,100 |
| Retained earnings to average equity (ytd only) | 4.3914% | 3,961 |
| Net charge-offs to loans | 0.1071% | 3,485 |
| Credit loss provision to net charge-offs | 116.2791% | 2,030 |
| Earnings coverage of net charge-offs (x) | 9.7442% | 1,814 |
| Efficiency ratio | 77.9125% | 2,510 |
| Assets per employee ($millions) | 5.1689% | 2,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2065% | 5,454 |
| Loan loss allowance to noncurrent loans | 83.7489% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 3.1869% | 1,816 |
| Noncurrent loans to loans | 1.4406% | 3,951 |
| Net loans and leases to total assets | 77.1493% | 687 |
| Net loans and leases to deposits | 97.2296% | 472 |
| Net loans and leases to core deposits | 102.5695% | 835 |
| Total domestic deposits to total assets | 79.3475% | 6,005 |
| Equity capital to assets | 10.8960% | 3,033 |
| Core capital (leverage) ratio | 10.6232% | 2,621 |
| Tier 1 risk-based capital ratio | 13.0198% | 5,205 |
| Total risk-based capital ratio | 14.1606% | 5,249 |
| Memoranda: | ||
| Average total assets | $211,530,000 | 2,973 |
| Average earning assets | $177,544,500 | 3,181 |
| Average equity | $22,407,500 | 2,928 |
| Average total loans | $160,545,500 | 2,476 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8497% | 3,590 |
| Cost of funding earning assets | 1.3856% | 1,099 |
| Net interest margin | 3.4641% | 5,273 |
| Noninterest income to average assets | -0.3029% | 7,201 |
| Noninterest expense to average assets | 2.6052% | 5,079 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.1519% | 5,727 |
| Return on assets (ROA) | 0.1519% | 5,865 |
| Pretax return on assets | 0.2011% | 5,786 |
| Return on Equity (ROE) | 1.6224% | 5,803 |
| Retained earnings to average equity (ytd only) | 1.6224% | 5,057 |
| Net charge-offs to loans | 0.4953% | 3,014 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 0.5859% | 5,386 |
| Efficiency ratio | 92.8356% | 993 |
| Assets per employee ($millions) | 5.4076% | 1,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2159% | 5,316 |
| Loan loss allowance to noncurrent loans | 74.0275% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 3.2810% | 1,816 |
| Noncurrent loans to loans | 1.6425% | 3,703 |
| Net loans and leases to total assets | 72.9026% | 1,473 |
| Net loans and leases to deposits | 90.7298% | 1,075 |
| Net loans and leases to core deposits | 98.0403% | 1,328 |
| Total domestic deposits to total assets | 80.3514% | 5,642 |
| Equity capital to assets | 10.3035% | 3,781 |
| Core capital (leverage) ratio | 9.7071% | 3,736 |
| Tier 1 risk-based capital ratio | 12.9379% | 5,122 |
| Total risk-based capital ratio | 14.0811% | 5,194 |
| Memoranda: | ||
| Average total assets | $235,758,200 | 2,674 |
| Average earning assets | $211,601,200 | 2,716 |
| Average equity | $22,065,400 | 2,885 |
| Average total loans | $163,341,200 | 2,452 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6790% | 4,553 |
| Cost of funding earning assets | 1.3898% | 1,274 |
| Net interest margin | 3.2891% | 5,889 |
| Noninterest income to average assets | -0.2577% | 7,291 |
| Noninterest expense to average assets | 2.6143% | 5,025 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.1047% | 5,956 |
| Return on assets (ROA) | 0.1047% | 6,068 |
| Pretax return on assets | 0.1258% | 6,051 |
| Return on Equity (ROE) | 1.1449% | 6,040 |
| Retained earnings to average equity (ytd only) | 1.1449% | 5,559 |
| Net charge-offs to loans | 0.3141% | 3,528 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 0.5866% | 5,184 |
| Efficiency ratio | 95.4095% | 851 |
| Assets per employee ($millions) | 5.7991% | 1,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4741% | 4,230 |
| Loan loss allowance to noncurrent loans | 80.6276% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 3.4889% | 1,808 |
| Noncurrent loans to loans | 1.8282% | 3,603 |
| Net loans and leases to total assets | 68.1183% | 2,463 |
| Net loans and leases to deposits | 87.9784% | 1,438 |
| Net loans and leases to core deposits | 94.9625% | 1,703 |
| Total domestic deposits to total assets | 77.4262% | 6,312 |
| Equity capital to assets | 9.5338% | 5,031 |
| Core capital (leverage) ratio | 9.3909% | 4,320 |
| Tier 1 risk-based capital ratio | 12.7041% | 5,327 |
| Total risk-based capital ratio | 13.9520% | 5,307 |
| Memoranda: | ||
| Average total assets | $240,621,500 | 2,643 |
| Average earning assets | $219,301,500 | 2,637 |
| Average equity | $22,010,000 | 2,890 |
| Average total loans | $164,268,250 | 2,452 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6854% | 4,598 |
| Cost of funding earning assets | 1.4234% | 1,316 |
| Net interest margin | 3.2619% | 5,965 |
| Noninterest income to average assets | -0.2333% | 7,350 |
| Noninterest expense to average assets | 2.6102% | 5,150 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.1076% | 5,996 |
| Return on assets (ROA) | 0.1076% | 6,079 |
| Pretax return on assets | 0.1322% | 6,045 |
| Return on Equity (ROE) | 1.1923% | 6,035 |
| Retained earnings to average equity (ytd only) | 1.1923% | 5,381 |
| Net charge-offs to loans | 0.2174% | 3,829 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 0.8944% | 4,627 |
| Efficiency ratio | 95.1782% | 915 |
| Assets per employee ($millions) | 5.7301% | 1,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5772% | 3,796 |
| Loan loss allowance to noncurrent loans | 80.4634% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 3.2909% | 2,027 |
| Noncurrent loans to loans | 1.9602% | 3,530 |
| Net loans and leases to total assets | 66.6376% | 2,901 |
| Net loans and leases to deposits | 85.1570% | 1,920 |
| Net loans and leases to core deposits | 91.8290% | 2,162 |
| Total domestic deposits to total assets | 78.2526% | 6,241 |
| Equity capital to assets | 9.1626% | 5,336 |
| Core capital (leverage) ratio | 9.1338% | 4,516 |
| Tier 1 risk-based capital ratio | 12.4438% | 5,400 |
| Total risk-based capital ratio | 13.6964% | 5,379 |
| Memoranda: | ||
| Average total assets | $243,507,330 | 2,616 |
| Average earning assets | $222,138,670 | 2,622 |
| Average equity | $21,975,000 | 2,882 |
| Average total loans | $165,566,330 | 2,460 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7923% | 4,093 |
| Cost of funding earning assets | 1.4935% | 1,190 |
| Net interest margin | 3.2987% | 5,783 |
| Noninterest income to average assets | -0.2009% | 7,432 |
| Noninterest expense to average assets | 2.5313% | 5,445 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1976% | 5,790 |
| Return on assets (ROA) | 0.1976% | 5,849 |
| Pretax return on assets | 0.2760% | 5,722 |
| Return on Equity (ROE) | 2.2063% | 5,715 |
| Retained earnings to average equity (ytd only) | 2.2063% | 4,820 |
| Net charge-offs to loans | 0.0407% | 4,541 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 9.9412% | 1,675 |
| Efficiency ratio | 90.1687% | 1,319 |
| Assets per employee ($millions) | 5.7796% | 1,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6563% | 3,500 |
| Loan loss allowance to noncurrent loans | 60.0659% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 4.6247% | 1,392 |
| Noncurrent loans to loans | 2.7574% | 2,743 |
| Net loans and leases to total assets | 66.8512% | 2,801 |
| Net loans and leases to deposits | 85.1731% | 1,854 |
| Net loans and leases to core deposits | 92.5324% | 2,066 |
| Total domestic deposits to total assets | 78.4887% | 6,301 |
| Equity capital to assets | 9.0644% | 5,105 |
| Core capital (leverage) ratio | 8.7784% | 4,957 |
| Tier 1 risk-based capital ratio | 12.2447% | 5,482 |
| Total risk-based capital ratio | 13.4981% | 5,477 |
| Memoranda: | ||
| Average total assets | $244,929,500 | 2,616 |
| Average earning assets | $223,360,500 | 2,618 |
| Average equity | $21,937,000 | 2,874 |
| Average total loans | $166,878,500 | 2,472 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1947% | 3,636 |
| Cost of funding earning assets | 1.8798% | 909 |
| Net interest margin | 3.3149% | 5,938 |
| Noninterest income to average assets | 0.4826% | 4,303 |
| Noninterest expense to average assets | 2.5650% | 5,561 |
| Loan and lease loss provision to assets | 0.6745% | 2,445 |
| Net operating income to assets | 0.1899% | 5,299 |
| Return on assets (ROA) | 0.1899% | 5,472 |
| Pretax return on assets | 0.2651% | 5,325 |
| Return on Equity (ROE) | 2.1763% | 5,322 |
| Retained earnings to average equity (ytd only) | 2.1763% | 4,369 |
| Net charge-offs to loans | 0.7565% | 2,751 |
| Credit loss provision to net charge-offs | 123.0712% | 3,385 |
| Earnings coverage of net charge-offs (x) | 1.7144% | 4,433 |
| Efficiency ratio | 73.1903% | 3,559 |
| Assets per employee ($millions) | 5.7469% | 1,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6302% | 3,462 |
| Loan loss allowance to noncurrent loans | 62.9231% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 3.7322% | 1,842 |
| Noncurrent loans to loans | 2.5908% | 2,940 |
| Net loans and leases to total assets | 67.1734% | 3,172 |
| Net loans and leases to deposits | 85.1027% | 2,263 |
| Net loans and leases to core deposits | 93.0461% | 2,379 |
| Total domestic deposits to total assets | 78.9322% | 6,098 |
| Equity capital to assets | 8.8505% | 5,356 |
| Core capital (leverage) ratio | 8.4464% | 5,456 |
| Tier 1 risk-based capital ratio | 12.0533% | 5,424 |
| Total risk-based capital ratio | 13.3070% | 5,405 |
| Memoranda: | ||
| Average total assets | $245,962,800 | 2,586 |
| Average earning assets | $224,227,000 | 2,579 |
| Average equity | $21,458,000 | 2,952 |
| Average total loans | $178,183,800 | 2,376 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3056% | 3,328 |
| Cost of funding earning assets | 1.9205% | 959 |
| Net interest margin | 3.3851% | 5,729 |
| Noninterest income to average assets | 0.5275% | 3,963 |
| Noninterest expense to average assets | 2.4791% | 5,788 |
| Loan and lease loss provision to assets | 0.7918% | 1,922 |
| Net operating income to assets | 0.2339% | 5,410 |
| Return on assets (ROA) | 0.2339% | 5,571 |
| Pretax return on assets | 0.3387% | 5,401 |
| Return on Equity (ROE) | 2.6910% | 5,354 |
| Retained earnings to average equity (ytd only) | 2.6910% | 4,542 |
| Net charge-offs to loans | 0.9357% | 2,121 |
| Credit loss provision to net charge-offs | 115.1539% | 3,625 |
| Earnings coverage of net charge-offs (x) | 1.6440% | 4,477 |
| Efficiency ratio | 68.6814% | 4,337 |
| Assets per employee ($millions) | 5.9395% | 1,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5093% | 3,918 |
| Loan loss allowance to noncurrent loans | 90.1370% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 3.1648% | 2,273 |
| Noncurrent loans to loans | 1.6745% | 4,132 |
| Net loans and leases to total assets | 67.2475% | 3,399 |
| Net loans and leases to deposits | 84.5684% | 2,602 |
| Net loans and leases to core deposits | 94.6317% | 2,433 |
| Total domestic deposits to total assets | 79.5184% | 5,859 |
| Equity capital to assets | 8.5670% | 6,196 |
| Core capital (leverage) ratio | 8.5095% | 5,487 |
| Tier 1 risk-based capital ratio | 11.6496% | 5,788 |
| Total risk-based capital ratio | 12.9018% | 5,764 |
| Memoranda: | ||
| Average total assets | $245,674,250 | 2,625 |
| Average earning assets | $223,680,750 | 2,624 |
| Average equity | $21,354,750 | 2,998 |
| Average total loans | $180,542,750 | 2,389 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4050% | 2,957 |
| Cost of funding earning assets | 1.9503% | 1,042 |
| Net interest margin | 3.4546% | 5,427 |
| Noninterest income to average assets | 0.2137% | 6,391 |
| Noninterest expense to average assets | 2.4114% | 6,039 |
| Loan and lease loss provision to assets | 0.5527% | 2,562 |
| Net operating income to assets | 0.2648% | 5,318 |
| Return on assets (ROA) | 0.2648% | 5,463 |
| Pretax return on assets | 0.3869% | 5,269 |
| Return on Equity (ROE) | 3.0312% | 5,212 |
| Retained earnings to average equity (ytd only) | 3.0312% | 4,183 |
| Net charge-offs to loans | 0.5597% | 2,855 |
| Credit loss provision to net charge-offs | 131.1155% | 3,074 |
| Earnings coverage of net charge-offs (x) | 2.2290% | 3,894 |
| Efficiency ratio | 71.9596% | 3,816 |
| Assets per employee ($millions) | 5.9541% | 1,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4214% | 4,333 |
| Loan loss allowance to noncurrent loans | 88.7031% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 2.2826% | 3,154 |
| Noncurrent loans to loans | 1.6024% | 4,307 |
| Net loans and leases to total assets | 72.0803% | 2,376 |
| Net loans and leases to deposits | 91.1381% | 1,674 |
| Net loans and leases to core deposits | 101.2282% | 1,902 |
| Total domestic deposits to total assets | 79.0891% | 6,012 |
| Equity capital to assets | 8.7095% | 5,871 |
| Core capital (leverage) ratio | 8.7605% | 4,989 |
| Tier 1 risk-based capital ratio | 11.0497% | 6,190 |
| Total risk-based capital ratio | 12.3009% | 6,178 |
| Memoranda: | ||
| Average total assets | $242,432,330 | 2,683 |
| Average earning assets | $220,167,670 | 2,682 |
| Average equity | $21,179,670 | 3,018 |
| Average total loans | $182,596,330 | 2,394 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3928% | 3,070 |
| Cost of funding earning assets | 1.9867% | 1,140 |
| Net interest margin | 3.4061% | 5,554 |
| Noninterest income to average assets | 0.1810% | 6,661 |
| Noninterest expense to average assets | 2.4391% | 5,951 |
| Loan and lease loss provision to assets | 0.4023% | 2,954 |
| Net operating income to assets | 0.2615% | 5,445 |
| Return on assets (ROA) | 0.2615% | 5,570 |
| Pretax return on assets | 0.4090% | 5,266 |
| Return on Equity (ROE) | 2.9886% | 5,341 |
| Retained earnings to average equity (ytd only) | 2.9886% | 4,336 |
| Net charge-offs to loans | 0.3179% | 3,141 |
| Credit loss provision to net charge-offs | 165.5172% | 2,201 |
| Earnings coverage of net charge-offs (x) | 3.3379% | 2,936 |
| Efficiency ratio | 75.0387% | 3,397 |
| Assets per employee ($millions) | 6.0058% | 1,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3898% | 4,468 |
| Loan loss allowance to noncurrent loans | 49.3284% | 5,039 |
| Noncurrent assets plus other real estate owned to assets | 4.0316% | 1,699 |
| Noncurrent loans to loans | 2.8174% | 2,847 |
| Net loans and leases to total assets | 74.8429% | 1,778 |
| Net loans and leases to deposits | 95.2183% | 1,199 |
| Net loans and leases to core deposits | 107.9441% | 1,421 |
| Total domestic deposits to total assets | 78.6013% | 6,175 |
| Equity capital to assets | 8.7279% | 5,695 |
| Core capital (leverage) ratio | 8.9606% | 4,635 |
| Tier 1 risk-based capital ratio | 10.6417% | 6,503 |
| Total risk-based capital ratio | 11.8778% | 6,500 |
| Memoranda: | ||
| Average total assets | $238,613,000 | 2,781 |
| Average earning assets | $215,029,000 | 2,805 |
| Average equity | $20,879,500 | 3,079 |
| Average total loans | $182,469,000 | 2,459 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4813% | 4,245 |
| Cost of funding earning assets | 2.6266% | 719 |
| Net interest margin | 2.8547% | 6,950 |
| Noninterest income to average assets | -0.4048% | 7,926 |
| Noninterest expense to average assets | 2.7894% | 5,019 |
| Loan and lease loss provision to assets | 0.5525% | 3,608 |
| Net operating income to assets | -0.6833% | 6,349 |
| Return on assets (ROA) | -0.6210% | 6,288 |
| Pretax return on assets | -1.0303% | 6,428 |
| Return on Equity (ROE) | -7.3307% | 6,413 |
| Retained earnings to average equity (ytd only) | -7.3307% | 6,276 |
| Net charge-offs to loans | 1.0957% | 2,228 |
| Credit loss provision to net charge-offs | 65.2611% | 6,561 |
| Earnings coverage of net charge-offs (x) | -0.6794% | 6,796 |
| Efficiency ratio | 125.9755% | 512 |
| Assets per employee ($millions) | 5.9249% | 1,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3356% | 4,564 |
| Loan loss allowance to noncurrent loans | 50.3926% | 5,017 |
| Noncurrent assets plus other real estate owned to assets | 4.0642% | 1,625 |
| Noncurrent loans to loans | 2.6505% | 2,898 |
| Net loans and leases to total assets | 76.0224% | 1,792 |
| Net loans and leases to deposits | 96.9673% | 1,209 |
| Net loans and leases to core deposits | 121.3748% | 1,848 |
| Total domestic deposits to total assets | 78.4001% | 6,142 |
| Equity capital to assets | 8.7731% | 5,480 |
| Core capital (leverage) ratio | 8.5869% | 5,123 |
| Tier 1 risk-based capital ratio | 10.5192% | 6,378 |
| Total risk-based capital ratio | 11.7553% | 6,370 |
| Memoranda: | ||
| Average total assets | $246,537,600 | 2,641 |
| Average earning assets | $226,186,000 | 2,634 |
| Average equity | $20,884,800 | 3,086 |
| Average total loans | $190,479,000 | 2,400 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4835% | 4,500 |
| Cost of funding earning assets | 2.7022% | 784 |
| Net interest margin | 2.7813% | 7,086 |
| Noninterest income to average assets | 0.1553% | 7,075 |
| Noninterest expense to average assets | 2.7017% | 5,319 |
| Loan and lease loss provision to assets | 0.2421% | 5,022 |
| Net operating income to assets | -0.1320% | 5,950 |
| Return on assets (ROA) | -0.0514% | 5,855 |
| Pretax return on assets | -0.0991% | 5,845 |
| Return on Equity (ROE) | -0.6122% | 5,870 |
| Retained earnings to average equity (ytd only) | -0.6122% | 5,382 |
| Net charge-offs to loans | 0.7129% | 2,566 |
| Credit loss provision to net charge-offs | 43.9261% | 6,387 |
| Earnings coverage of net charge-offs (x) | 0.0311% | 6,021 |
| Efficiency ratio | 99.3696% | 1,090 |
| Assets per employee ($millions) | 6.4604% | 1,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3801% | 4,056 |
| Loan loss allowance to noncurrent loans | 24.1979% | 6,830 |
| Noncurrent assets plus other real estate owned to assets | 5.5470% | 1,024 |
| Noncurrent loans to loans | 5.7036% | 1,080 |
| Net loans and leases to total assets | 73.3685% | 2,696 |
| Net loans and leases to deposits | 92.1075% | 2,213 |
| Net loans and leases to core deposits | 125.0090% | 1,813 |
| Total domestic deposits to total assets | 79.6553% | 5,575 |
| Equity capital to assets | 8.2423% | 6,578 |
| Core capital (leverage) ratio | 8.2120% | 5,991 |
| Tier 1 risk-based capital ratio | 10.3871% | 6,587 |
| Total risk-based capital ratio | 11.6325% | 6,528 |
| Memoranda: | ||
| Average total assets | $248,923,000 | 2,633 |
| Average earning assets | $229,433,250 | 2,622 |
| Average equity | $20,908,000 | 3,109 |
| Average total loans | $192,446,500 | 2,398 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5903% | 4,126 |
| Cost of funding earning assets | 2.7615% | 877 |
| Net interest margin | 2.8288% | 6,959 |
| Noninterest income to average assets | 0.1605% | 7,125 |
| Noninterest expense to average assets | 2.6808% | 5,452 |
| Loan and lease loss provision to assets | 0.3162% | 4,050 |
| Net operating income to assets | -0.1299% | 6,066 |
| Return on assets (ROA) | -0.1299% | 6,095 |
| Pretax return on assets | -0.2259% | 6,153 |
| Return on Equity (ROE) | -1.5366% | 6,151 |
| Retained earnings to average equity (ytd only) | -1.5366% | 5,627 |
| Net charge-offs to loans | 0.7171% | 2,263 |
| Credit loss provision to net charge-offs | 56.3218% | 5,655 |
| Earnings coverage of net charge-offs (x) | 0.1609% | 5,509 |
| Efficiency ratio | 96.7394% | 1,326 |
| Assets per employee ($millions) | 5.5628% | 1,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4767% | 3,321 |
| Loan loss allowance to noncurrent loans | 23.8671% | 6,912 |
| Noncurrent assets plus other real estate owned to assets | 4.8083% | 1,137 |
| Noncurrent loans to loans | 6.1870% | 878 |
| Net loans and leases to total assets | 74.5704% | 2,550 |
| Net loans and leases to deposits | 93.2111% | 2,237 |
| Net loans and leases to core deposits | 128.9448% | 1,658 |
| Total domestic deposits to total assets | 80.0016% | 5,480 |
| Equity capital to assets | 8.1339% | 6,590 |
| Core capital (leverage) ratio | 8.0457% | 6,245 |
| Tier 1 risk-based capital ratio | 9.9519% | 6,986 |
| Total risk-based capital ratio | 11.2059% | 6,908 |
| Memoranda: | ||
| Average total assets | $247,911,670 | 2,654 |
| Average earning assets | $228,789,330 | 2,644 |
| Average equity | $20,955,000 | 3,107 |
| Average total loans | $194,114,000 | 2,410 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6352% | 4,139 |
| Cost of funding earning assets | 2.8000% | 980 |
| Net interest margin | 2.8352% | 6,913 |
| Noninterest income to average assets | 0.1656% | 7,119 |
| Noninterest expense to average assets | 2.6385% | 5,279 |
| Loan and lease loss provision to assets | 0.3444% | 3,261 |
| Net operating income to assets | -0.0984% | 6,405 |
| Return on assets (ROA) | -0.0984% | 6,525 |
| Pretax return on assets | -0.1771% | 6,549 |
| Return on Equity (ROE) | -1.1415% | 6,561 |
| Retained earnings to average equity (ytd only) | -1.1415% | 5,923 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0386% | 1,430 |
| Assets per employee ($millions) | 5.2938% | 1,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7138% | 2,097 |
| Loan loss allowance to noncurrent loans | 29.8796% | 6,561 |
| Noncurrent assets plus other real estate owned to assets | 4.4438% | 1,090 |
| Noncurrent loans to loans | 5.7359% | 857 |
| Net loans and leases to total assets | 76.1472% | 2,237 |
| Net loans and leases to deposits | 95.4418% | 2,044 |
| Net loans and leases to core deposits | 130.1607% | 1,648 |
| Total domestic deposits to total assets | 79.7839% | 5,439 |
| Equity capital to assets | 8.2628% | 6,440 |
| Core capital (leverage) ratio | 8.3300% | 5,848 |
| Tier 1 risk-based capital ratio | 9.9541% | 6,979 |
| Total risk-based capital ratio | 11.2022% | 6,883 |
| Memoranda: | ||
| Average total assets | $243,922,000 | 2,721 |
| Average earning assets | $227,143,500 | 2,678 |
| Average equity | $21,025,500 | 3,116 |
| Average total loans | $194,331,500 | 2,428 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6317% | 2,331 |
| Cost of funding earning assets | 3.0564% | 1,652 |
| Net interest margin | 3.5752% | 4,990 |
| Noninterest income to average assets | 0.2063% | 6,967 |
| Noninterest expense to average assets | 2.8574% | 4,572 |
| Loan and lease loss provision to assets | 0.5580% | 2,585 |
| Net operating income to assets | 0.0709% | 6,179 |
| Return on assets (ROA) | 0.0709% | 6,031 |
| Pretax return on assets | 0.0992% | 5,946 |
| Return on Equity (ROE) | 0.7635% | 5,986 |
| Retained earnings to average equity (ytd only) | 0.7635% | 4,768 |
| Net charge-offs to loans | 0.1740% | 4,459 |
| Credit loss provision to net charge-offs | 392.0489% | 1,128 |
| Earnings coverage of net charge-offs (x) | 4.6177% | 3,920 |
| Efficiency ratio | 81.3003% | 2,399 |
| Assets per employee ($millions) | 4.6748% | 2,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6497% | 2,068 |
| Loan loss allowance to noncurrent loans | 28.6568% | 6,785 |
| Noncurrent assets plus other real estate owned to assets | 5.1673% | 657 |
| Noncurrent loans to loans | 5.7566% | 656 |
| Net loans and leases to total assets | 80.7016% | 1,506 |
| Net loans and leases to deposits | 103.4598% | 1,404 |
| Net loans and leases to core deposits | 127.8142% | 2,015 |
| Total domestic deposits to total assets | 78.0029% | 5,709 |
| Equity capital to assets | 9.0079% | 5,357 |
| Core capital (leverage) ratio | 8.7678% | 5,086 |
| Tier 1 risk-based capital ratio | 10.2941% | 6,429 |
| Total risk-based capital ratio | 11.5489% | 6,295 |
| Memoranda: | ||
| Average total assets | $229,754,000 | 2,766 |
| Average earning assets | $212,601,600 | 2,741 |
| Average equity | $21,348,400 | 3,060 |
| Average total loans | $187,881,600 | 2,420 |