Home > First Utah Bank > Performance and Condition Ratios
First Utah Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2040% | 265 |
| Cost of funding earning assets | 2.5331% | 807 |
| Net interest margin | 4.6708% | 482 |
| Noninterest income to average assets | 0.9300% | 643 |
| Noninterest expense to average assets | 3.3782% | 691 |
| Loan and lease loss provision to assets | 0.1300% | 1,005 |
| Net operating income to assets | 1.3747% | 1,312 |
| Return on assets (ROA) | 1.3747% | 1,310 |
| Pretax return on assets | 1.8219% | 919 |
| Return on Equity (ROE) | 15.5200% | 974 |
| Retained earnings to average equity (ytd only) | 12.2277% | 750 |
| Net charge-offs to loans | 0.0592% | 1,088 |
| Credit loss provision to net charge-offs | 292.9293% | 724 |
| Earnings coverage of net charge-offs (x) | 42.7677% | 1,065 |
| Efficiency ratio | 63.3325% | 2,559 |
| Assets per employee ($millions) | 7.3933% | 1,950 |
| Cash dividends to net income (ytd only)* | 21.2030% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2378% | 1,988 |
| Loan loss allowance to noncurrent loans | 81.4018% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 1.1812% | 570 |
| Noncurrent loans to loans | 1.5206% | 638 |
| Net loans and leases to total assets | 76.7200% | 986 |
| Net loans and leases to deposits | 89.5697% | 1,136 |
| Net loans and leases to core deposits | 110.9065% | 824 |
| Total domestic deposits to total assets | 85.6500% | 2,426 |
| Equity capital to assets | 9.1251% | 2,852 |
| Core capital (leverage) ratio | 9.0028% | 3,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3425% | 2,407 |
| Memoranda: | ||
| Average total assets | $865,912,000 | 1,160 |
| Average earning assets | $817,328,000 | 1,142 |
| Average equity | $76,711,000 | 1,270 |
| Average total loans | $668,580,500 | 1,069 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3687% | 265 |
| Cost of funding earning assets | 2.6468% | 899 |
| Net interest margin | 4.7219% | 482 |
| Noninterest income to average assets | 0.6900% | 1,210 |
| Noninterest expense to average assets | 3.1977% | 871 |
| Loan and lease loss provision to assets | 0.6500% | 142 |
| Net operating income to assets | 0.9589% | 2,185 |
| Return on assets (ROA) | 0.9589% | 2,185 |
| Pretax return on assets | 1.2738% | 1,814 |
| Return on Equity (ROE) | 10.2100% | 2,096 |
| Retained earnings to average equity (ytd only) | 7.4510% | 1,281 |
| Net charge-offs to loans | 0.5964% | 250 |
| Credit loss provision to net charge-offs | 143.8002% | 1,455 |
| Earnings coverage of net charge-offs (x) | 4.2710% | 2,671 |
| Efficiency ratio | 62.4783% | 2,890 |
| Assets per employee ($millions) | 7.7363% | 1,680 |
| Cash dividends to net income (ytd only)* | 27.0390% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2005% | 2,161 |
| Loan loss allowance to noncurrent loans | 105.2666% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 1.3552% | 435 |
| Noncurrent loans to loans | 1.1404% | 882 |
| Net loans and leases to total assets | 75.8300% | 1,169 |
| Net loans and leases to deposits | 90.6004% | 1,166 |
| Net loans and leases to core deposits | 112.3922% | 839 |
| Total domestic deposits to total assets | 83.7000% | 2,859 |
| Equity capital to assets | 8.5979% | 3,117 |
| Core capital (leverage) ratio | 9.2111% | 3,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9322% | 2,542 |
| Memoranda: | ||
| Average total assets | $774,840,000 | 1,254 |
| Average earning assets | $727,187,800 | 1,238 |
| Average equity | $72,755,000 | 1,288 |
| Average total loans | $584,179,800 | 1,153 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4356% | 249 |
| Cost of funding earning assets | 2.6967% | 849 |
| Net interest margin | 4.7389% | 472 |
| Noninterest income to average assets | 0.5800% | 1,541 |
| Noninterest expense to average assets | 3.2426% | 788 |
| Loan and lease loss provision to assets | 0.5200% | 169 |
| Net operating income to assets | 0.9468% | 2,223 |
| Return on assets (ROA) | 0.9468% | 2,235 |
| Pretax return on assets | 1.2592% | 1,864 |
| Return on Equity (ROE) | 9.8400% | 2,239 |
| Retained earnings to average equity (ytd only) | 6.7799% | 1,814 |
| Net charge-offs to loans | 0.5561% | 241 |
| Credit loss provision to net charge-offs | 125.7460% | 1,454 |
| Earnings coverage of net charge-offs (x) | 4.2766% | 2,456 |
| Efficiency ratio | 64.5138% | 2,656 |
| Assets per employee ($millions) | 7.0447% | 2,114 |
| Cash dividends to net income (ytd only)* | 31.1115% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2018% | 2,205 |
| Loan loss allowance to noncurrent loans | 136.8048% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 1.1925% | 512 |
| Noncurrent loans to loans | 0.8785% | 1,141 |
| Net loans and leases to total assets | 74.3200% | 1,326 |
| Net loans and leases to deposits | 85.1320% | 1,720 |
| Net loans and leases to core deposits | 104.6598% | 1,206 |
| Total domestic deposits to total assets | 87.3000% | 1,491 |
| Equity capital to assets | 9.4398% | 2,713 |
| Core capital (leverage) ratio | 9.4809% | 3,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6379% | 2,369 |
| Memoranda: | ||
| Average total assets | $750,000,750 | 1,280 |
| Average earning assets | $703,949,750 | 1,264 |
| Average equity | $72,153,000 | 1,288 |
| Average total loans | $562,480,250 | 1,174 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3632% | 258 |
| Cost of funding earning assets | 2.6167% | 903 |
| Net interest margin | 4.7465% | 449 |
| Noninterest income to average assets | 0.6400% | 1,304 |
| Noninterest expense to average assets | 3.1759% | 861 |
| Loan and lease loss provision to assets | 0.4300% | 213 |
| Net operating income to assets | 1.1262% | 1,658 |
| Return on assets (ROA) | 1.1262% | 1,659 |
| Pretax return on assets | 1.4947% | 1,289 |
| Return on Equity (ROE) | 11.6300% | 1,717 |
| Retained earnings to average equity (ytd only) | 8.8824% | 1,124 |
| Net charge-offs to loans | 0.5582% | 226 |
| Credit loss provision to net charge-offs | 103.8287% | 1,460 |
| Earnings coverage of net charge-offs (x) | 4.6126% | 2,259 |
| Efficiency ratio | 62.2136% | 2,969 |
| Assets per employee ($millions) | 6.9052% | 2,137 |
| Cash dividends to net income (ytd only)* | 23.6145% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1739% | 2,375 |
| Loan loss allowance to noncurrent loans | 80.4494% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 1.0880% | 529 |
| Noncurrent loans to loans | 1.4592% | 598 |
| Net loans and leases to total assets | 73.6900% | 1,450 |
| Net loans and leases to deposits | 88.6753% | 1,431 |
| Net loans and leases to core deposits | 107.3873% | 1,082 |
| Total domestic deposits to total assets | 83.1000% | 2,849 |
| Equity capital to assets | 9.6948% | 2,272 |
| Core capital (leverage) ratio | 9.6888% | 3,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0849% | 2,222 |
| Memoranda: | ||
| Average total assets | $736,998,333 | 1,290 |
| Average earning assets | $693,774,000 | 1,272 |
| Average equity | $71,377,000 | 1,293 |
| Average total loans | $552,132,333 | 1,195 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7593% | 273 |
| Cost of funding earning assets | 1.8925% | 1,080 |
| Net interest margin | 4.8668% | 382 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 3.1531% | 873 |
| Loan and lease loss provision to assets | 0.4200% | 228 |
| Net operating income to assets | 1.0486% | 2,064 |
| Return on assets (ROA) | 1.0486% | 2,040 |
| Pretax return on assets | 1.4010% | 1,632 |
| Return on Equity (ROE) | 10.9500% | 2,237 |
| Retained earnings to average equity (ytd only) | 6.3376% | 2,121 |
| Net charge-offs to loans | 0.5983% | 165 |
| Credit loss provision to net charge-offs | 97.6011% | 1,871 |
| Earnings coverage of net charge-offs (x) | 4.2386% | 2,599 |
| Efficiency ratio | 63.4016% | 2,681 |
| Assets per employee ($millions) | 6.7700% | 2,228 |
| Cash dividends to net income (ytd only)* | 42.1478% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2122% | 2,223 |
| Loan loss allowance to noncurrent loans | 291.3432% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.3123% | 1,696 |
| Noncurrent loans to loans | 0.4161% | 1,738 |
| Net loans and leases to total assets | 74.1500% | 1,340 |
| Net loans and leases to deposits | 89.7667% | 1,289 |
| Net loans and leases to core deposits | 110.1952% | 960 |
| Total domestic deposits to total assets | 82.6000% | 2,990 |
| Equity capital to assets | 9.7513% | 2,159 |
| Core capital (leverage) ratio | 9.9087% | 2,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2017% | 2,167 |
| Memoranda: | ||
| Average total assets | $708,628,800 | 1,297 |
| Average earning assets | $666,419,400 | 1,286 |
| Average equity | $67,833,200 | 1,276 |
| Average total loans | $508,579,600 | 1,216 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6540% | 263 |
| Cost of funding earning assets | 1.7560% | 1,087 |
| Net interest margin | 4.8981% | 354 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 3.1905% | 830 |
| Loan and lease loss provision to assets | 0.3300% | 272 |
| Net operating income to assets | 1.1436% | 1,931 |
| Return on assets (ROA) | 1.1436% | 1,917 |
| Pretax return on assets | 1.5317% | 1,503 |
| Return on Equity (ROE) | 12.0000% | 2,126 |
| Retained earnings to average equity (ytd only) | 6.8570% | 2,341 |
| Net charge-offs to loans | 0.6924% | 135 |
| Credit loss provision to net charge-offs | 67.2560% | 1,820 |
| Earnings coverage of net charge-offs (x) | 3.7913% | 2,428 |
| Efficiency ratio | 63.1463% | 2,601 |
| Assets per employee ($millions) | 6.5609% | 2,281 |
| Cash dividends to net income (ytd only)* | 42.8784% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1293% | 2,731 |
| Loan loss allowance to noncurrent loans | 268.0653% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.3084% | 1,783 |
| Noncurrent loans to loans | 0.4213% | 1,775 |
| Net loans and leases to total assets | 72.3900% | 1,526 |
| Net loans and leases to deposits | 85.6253% | 1,611 |
| Net loans and leases to core deposits | 102.2310% | 1,198 |
| Total domestic deposits to total assets | 84.5400% | 2,636 |
| Equity capital to assets | 9.8743% | 1,898 |
| Core capital (leverage) ratio | 10.0428% | 2,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4516% | 2,095 |
| Memoranda: | ||
| Average total assets | $706,382,000 | 1,295 |
| Average earning assets | $663,782,500 | 1,284 |
| Average equity | $67,297,250 | 1,276 |
| Average total loans | $501,071,500 | 1,230 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5184% | 256 |
| Cost of funding earning assets | 1.6007% | 1,068 |
| Net interest margin | 4.9177% | 341 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 3.2176% | 772 |
| Loan and lease loss provision to assets | 0.2100% | 500 |
| Net operating income to assets | 1.2050% | 1,821 |
| Return on assets (ROA) | 1.2050% | 1,809 |
| Pretax return on assets | 1.6112% | 1,387 |
| Return on Equity (ROE) | 12.8000% | 1,947 |
| Retained earnings to average equity (ytd only) | 6.6308% | 2,406 |
| Net charge-offs to loans | 0.6064% | 137 |
| Credit loss provision to net charge-offs | 49.6360% | 1,674 |
| Earnings coverage of net charge-offs (x) | 4.2819% | 2,224 |
| Efficiency ratio | 63.8406% | 2,503 |
| Assets per employee ($millions) | 6.1362% | 2,586 |
| Cash dividends to net income (ytd only)* | 48.2001% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1742% | 2,567 |
| Loan loss allowance to noncurrent loans | 209.5802% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.4055% | 1,315 |
| Noncurrent loans to loans | 0.5603% | 1,337 |
| Net loans and leases to total assets | 71.5300% | 1,581 |
| Net loans and leases to deposits | 85.4849% | 1,543 |
| Net loans and leases to core deposits | 101.0855% | 1,182 |
| Total domestic deposits to total assets | 83.6800% | 2,896 |
| Equity capital to assets | 9.8581% | 1,933 |
| Core capital (leverage) ratio | 9.6940% | 3,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4208% | 2,126 |
| Memoranda: | ||
| Average total assets | $710,024,667 | 1,282 |
| Average earning assets | $667,096,333 | 1,272 |
| Average equity | $66,839,333 | 1,283 |
| Average total loans | $498,376,000 | 1,218 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2277% | 240 |
| Cost of funding earning assets | 1.3355% | 1,159 |
| Net interest margin | 4.8922% | 334 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 2.9936% | 1,073 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | 1.3812% | 1,463 |
| Return on assets (ROA) | 1.3812% | 1,435 |
| Pretax return on assets | 1.8403% | 1,003 |
| Return on Equity (ROE) | 15.0100% | 1,547 |
| Retained earnings to average equity (ytd only) | 7.0921% | 2,470 |
| Net charge-offs to loans | 0.4057% | 197 |
| Credit loss provision to net charge-offs | 59.2885% | 1,282 |
| Earnings coverage of net charge-offs (x) | 7.1522% | 1,763 |
| Efficiency ratio | 59.8692% | 2,971 |
| Assets per employee ($millions) | 6.5048% | 2,340 |
| Cash dividends to net income (ytd only)* | 52.7499% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2733% | 2,167 |
| Loan loss allowance to noncurrent loans | 308.5384% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.2845% | 1,736 |
| Noncurrent loans to loans | 0.4127% | 1,695 |
| Net loans and leases to total assets | 68.0700% | 1,828 |
| Net loans and leases to deposits | 88.1576% | 1,192 |
| Net loans and leases to core deposits | 97.6583% | 1,197 |
| Total domestic deposits to total assets | 77.2200% | 4,067 |
| Equity capital to assets | 9.1978% | 2,370 |
| Core capital (leverage) ratio | 9.8598% | 2,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2237% | 2,292 |
| Memoranda: | ||
| Average total assets | $721,410,500 | 1,282 |
| Average earning assets | $677,812,500 | 1,270 |
| Average equity | $66,384,000 | 1,299 |
| Average total loans | $498,841,500 | 1,227 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4408% | 163 |
| Cost of funding earning assets | 0.4456% | 1,749 |
| Net interest margin | 4.9952% | 137 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 3.1300% | 798 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.4802% | 932 |
| Return on assets (ROA) | 1.4802% | 897 |
| Pretax return on assets | 1.9847% | 492 |
| Return on Equity (ROE) | 15.8200% | 1,086 |
| Retained earnings to average equity (ytd only) | 10.8016% | 932 |
| Net charge-offs to loans | 0.2667% | 295 |
| Credit loss provision to net charge-offs | 51.6693% | 1,813 |
| Earnings coverage of net charge-offs (x) | 11.3267% | 2,153 |
| Efficiency ratio | 60.0812% | 3,047 |
| Assets per employee ($millions) | 6.3376% | 2,477 |
| Cash dividends to net income (ytd only)* | 31.7294% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3328% | 1,750 |
| Loan loss allowance to noncurrent loans | 320.3299% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.2878% | 1,703 |
| Noncurrent loans to loans | 0.4161% | 1,680 |
| Net loans and leases to total assets | 68.2500% | 1,804 |
| Net loans and leases to deposits | 81.4552% | 1,660 |
| Net loans and leases to core deposits | 84.3564% | 1,856 |
| Total domestic deposits to total assets | 83.7800% | 3,257 |
| Equity capital to assets | 9.4433% | 2,054 |
| Core capital (leverage) ratio | 9.7072% | 2,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3681% | 2,213 |
| Memoranda: | ||
| Average total assets | $685,180,200 | 1,328 |
| Average earning assets | $645,221,200 | 1,309 |
| Average equity | $64,101,400 | 1,332 |
| Average total loans | $471,767,400 | 1,227 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2342% | 156 |
| Cost of funding earning assets | 0.2948% | 2,228 |
| Net interest margin | 4.9394% | 129 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 3.0557% | 841 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.5269% | 792 |
| Return on assets (ROA) | 1.5269% | 772 |
| Pretax return on assets | 2.0465% | 423 |
| Return on Equity (ROE) | 16.3600% | 914 |
| Retained earnings to average equity (ytd only) | 10.7685% | 1,113 |
| Net charge-offs to loans | 0.1980% | 330 |
| Credit loss provision to net charge-offs | 65.0289% | 1,470 |
| Earnings coverage of net charge-offs (x) | 15.6763% | 1,838 |
| Efficiency ratio | 58.8686% | 3,268 |
| Assets per employee ($millions) | 5.9504% | 2,808 |
| Cash dividends to net income (ytd only)* | 34.1841% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3911% | 1,638 |
| Loan loss allowance to noncurrent loans | 971.8271% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.1048% | 2,918 |
| Noncurrent loans to loans | 0.1431% | 2,905 |
| Net loans and leases to total assets | 72.1800% | 1,274 |
| Net loans and leases to deposits | 86.2364% | 1,157 |
| Net loans and leases to core deposits | 88.3005% | 1,401 |
| Total domestic deposits to total assets | 83.7000% | 3,559 |
| Equity capital to assets | 9.6396% | 1,802 |
| Core capital (leverage) ratio | 9.6474% | 2,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0198% | 2,467 |
| Memoranda: | ||
| Average total assets | $677,438,250 | 1,345 |
| Average earning assets | $638,067,250 | 1,325 |
| Average equity | $63,219,750 | 1,364 |
| Average total loans | $465,871,500 | 1,238 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0102% | 167 |
| Cost of funding earning assets | 0.2654% | 2,082 |
| Net interest margin | 4.7448% | 141 |
| Noninterest income to average assets | 0.6567% | 1,512 |
| Noninterest expense to average assets | 3.0497% | 793 |
| Loan and lease loss provision to assets | 0.0889% | 1,107 |
| Net operating income to assets | 1.4853% | 739 |
| Return on assets (ROA) | 1.4853% | 719 |
| Pretax return on assets | 1.9830% | 397 |
| Return on Equity (ROE) | 16.0949% | 686 |
| Retained earnings to average equity (ytd only) | 9.4310% | 1,163 |
| Net charge-offs to loans | 0.3461% | 201 |
| Credit loss provision to net charge-offs | 38.1679% | 1,539 |
| Earnings coverage of net charge-offs (x) | 8.8982% | 1,809 |
| Efficiency ratio | 59.5465% | 3,358 |
| Assets per employee ($millions) | 5.8886% | 2,841 |
| Cash dividends to net income (ytd only)* | 41.4041% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3805% | 1,836 |
| Loan loss allowance to noncurrent loans | 11,593.1034% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 3,946 |
| Noncurrent loans to loans | 0.0119% | 3,889 |
| Net loans and leases to total assets | 70.3215% | 1,271 |
| Net loans and leases to deposits | 81.9339% | 1,246 |
| Net loans and leases to core deposits | 83.7935% | 1,464 |
| Total domestic deposits to total assets | 85.8271% | 3,291 |
| Equity capital to assets | 9.3662% | 2,117 |
| Core capital (leverage) ratio | 9.4253% | 2,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7423% | 2,588 |
| Memoranda: | ||
| Average total assets | $675,152,667 | 1,354 |
| Average earning assets | $635,306,667 | 1,345 |
| Average equity | $62,305,333 | 1,406 |
| Average total loans | $454,195,667 | 1,257 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6920% | 229 |
| Cost of funding earning assets | 0.2861% | 1,768 |
| Net interest margin | 4.4059% | 192 |
| Noninterest income to average assets | 0.6657% | 1,429 |
| Noninterest expense to average assets | 2.9839% | 840 |
| Loan and lease loss provision to assets | 0.0894% | 924 |
| Net operating income to assets | 1.3081% | 986 |
| Return on assets (ROA) | 1.3081% | 975 |
| Pretax return on assets | 1.7414% | 631 |
| Return on Equity (ROE) | 14.2836% | 777 |
| Retained earnings to average equity (ytd only) | 4.5226% | 2,769 |
| Net charge-offs to loans | 0.8004% | 86 |
| Credit loss provision to net charge-offs | 17.1233% | 1,298 |
| Earnings coverage of net charge-offs (x) | 3.5068% | 1,664 |
| Efficiency ratio | 61.9755% | 3,260 |
| Assets per employee ($millions) | 6.0705% | 2,749 |
| Cash dividends to net income (ytd only)* | 68.3371% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4180% | 1,843 |
| Loan loss allowance to noncurrent loans | 2,375.0916% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.0402% | 3,631 |
| Noncurrent loans to loans | 0.0597% | 3,558 |
| Net loans and leases to total assets | 66.3027% | 1,381 |
| Net loans and leases to deposits | 75.8204% | 1,466 |
| Net loans and leases to core deposits | 77.4827% | 1,655 |
| Total domestic deposits to total assets | 87.4470% | 2,762 |
| Equity capital to assets | 9.0942% | 2,629 |
| Core capital (leverage) ratio | 8.9126% | 3,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1076% | 2,574 |
| Memoranda: | ||
| Average total assets | $671,191,000 | 1,365 |
| Average earning assets | $632,056,000 | 1,360 |
| Average equity | $61,469,000 | 1,451 |
| Average total loans | $437,757,000 | 1,275 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8910% | 309 |
| Cost of funding earning assets | 0.3650% | 1,810 |
| Net interest margin | 4.5260% | 255 |
| Noninterest income to average assets | 1.3505% | 594 |
| Noninterest expense to average assets | 3.1923% | 740 |
| Loan and lease loss provision to assets | 0.3146% | 251 |
| Net operating income to assets | 1.5800% | 859 |
| Return on assets (ROA) | 1.5800% | 889 |
| Pretax return on assets | 2.1081% | 487 |
| Return on Equity (ROE) | 17.1747% | 564 |
| Retained earnings to average equity (ytd only) | 11.2281% | 665 |
| Net charge-offs to loans | 0.0677% | 1,118 |
| Credit loss provision to net charge-offs | 683.6735% | 674 |
| Earnings coverage of net charge-offs (x) | 52.6463% | 1,269 |
| Efficiency ratio | 56.6248% | 3,624 |
| Assets per employee ($millions) | 6.0226% | 2,749 |
| Cash dividends to net income (ytd only)* | 34.6245% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7239% | 997 |
| Loan loss allowance to noncurrent loans | 604.3588% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.1801% | 2,677 |
| Noncurrent loans to loans | 0.2852% | 2,579 |
| Net loans and leases to total assets | 62.0437% | 1,937 |
| Net loans and leases to deposits | 71.0709% | 2,009 |
| Net loans and leases to core deposits | 73.2441% | 2,136 |
| Total domestic deposits to total assets | 87.2983% | 2,391 |
| Equity capital to assets | 9.2239% | 3,395 |
| Core capital (leverage) ratio | 8.7397% | 3,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0707% | 2,216 |
| Memoranda: | ||
| Average total assets | $638,873,400 | 1,384 |
| Average earning assets | $601,966,800 | 1,377 |
| Average equity | $58,772,400 | 1,534 |
| Average total loans | $433,949,000 | 1,299 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9843% | 306 |
| Cost of funding earning assets | 0.3823% | 1,839 |
| Net interest margin | 4.6020% | 263 |
| Noninterest income to average assets | 1.3565% | 645 |
| Noninterest expense to average assets | 3.1059% | 814 |
| Loan and lease loss provision to assets | 0.4234% | 145 |
| Net operating income to assets | 1.6182% | 992 |
| Return on assets (ROA) | 1.6182% | 1,035 |
| Pretax return on assets | 2.1610% | 595 |
| Return on Equity (ROE) | 17.6020% | 677 |
| Retained earnings to average equity (ytd only) | 13.6380% | 549 |
| Net charge-offs to loans | -0.0792% | 4,527 |
| Credit loss provision to net charge-offs | -773.0769% | 3,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2793% | 3,768 |
| Assets per employee ($millions) | 5.8734% | 2,814 |
| Cash dividends to net income (ytd only)* | 22.5202% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9111% | 749 |
| Loan loss allowance to noncurrent loans | 332.9331% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.3514% | 2,029 |
| Noncurrent loans to loans | 0.5740% | 1,869 |
| Net loans and leases to total assets | 60.0409% | 2,255 |
| Net loans and leases to deposits | 68.3070% | 2,415 |
| Net loans and leases to core deposits | 70.3803% | 2,560 |
| Total domestic deposits to total assets | 87.8986% | 1,904 |
| Equity capital to assets | 9.2064% | 3,649 |
| Core capital (leverage) ratio | 9.0669% | 3,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2372% | 1,883 |
| Memoranda: | ||
| Average total assets | $632,969,750 | 1,408 |
| Average earning assets | $596,076,000 | 1,401 |
| Average equity | $58,188,750 | 1,577 |
| Average total loans | $437,875,750 | 1,311 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9218% | 390 |
| Cost of funding earning assets | 0.4039% | 1,854 |
| Net interest margin | 4.5179% | 343 |
| Noninterest income to average assets | 1.6376% | 460 |
| Noninterest expense to average assets | 3.1022% | 841 |
| Loan and lease loss provision to assets | 0.6298% | 71 |
| Net operating income to assets | 1.6209% | 1,007 |
| Return on assets (ROA) | 1.6209% | 1,063 |
| Pretax return on assets | 2.1624% | 619 |
| Return on Equity (ROE) | 17.6414% | 695 |
| Retained earnings to average equity (ytd only) | 12.8702% | 744 |
| Net charge-offs to loans | 0.0112% | 1,739 |
| Credit loss provision to net charge-offs | 7,844.0000% | 81 |
| Earnings coverage of net charge-offs (x) | 347.7600% | 337 |
| Efficiency ratio | 52.1822% | 4,026 |
| Assets per employee ($millions) | 5.5840% | 3,033 |
| Cash dividends to net income (ytd only)* | 27.0458% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7632% | 947 |
| Loan loss allowance to noncurrent loans | 151.1084% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 0.7793% | 1,047 |
| Noncurrent loans to loans | 1.1668% | 1,038 |
| Net loans and leases to total assets | 65.6060% | 1,743 |
| Net loans and leases to deposits | 74.6330% | 1,939 |
| Net loans and leases to core deposits | 77.5752% | 2,085 |
| Total domestic deposits to total assets | 87.9048% | 1,883 |
| Equity capital to assets | 9.3206% | 3,493 |
| Core capital (leverage) ratio | 9.0537% | 3,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4138% | 1,830 |
| Memoranda: | ||
| Average total assets | $622,729,333 | 1,417 |
| Average earning assets | $586,734,667 | 1,410 |
| Average equity | $57,217,667 | 1,593 |
| Average total loans | $448,417,667 | 1,294 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2487% | 1,119 |
| Cost of funding earning assets | 0.4418% | 1,787 |
| Net interest margin | 3.8068% | 1,122 |
| Noninterest income to average assets | 2.3382% | 291 |
| Noninterest expense to average assets | 3.0799% | 863 |
| Loan and lease loss provision to assets | 1.0094% | 40 |
| Net operating income to assets | 1.3760% | 1,621 |
| Return on assets (ROA) | 1.3760% | 1,705 |
| Pretax return on assets | 1.8312% | 1,231 |
| Return on Equity (ROE) | 15.0867% | 1,188 |
| Retained earnings to average equity (ytd only) | 15.0867% | 617 |
| Net charge-offs to loans | -0.0433% | 4,338 |
| Credit loss provision to net charge-offs | -3,122.0000% | 3,641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5727% | 4,041 |
| Assets per employee ($millions) | 5.8144% | 2,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5203% | 1,537 |
| Loan loss allowance to noncurrent loans | 161.7714% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.7059% | 1,324 |
| Noncurrent loans to loans | 0.9398% | 1,439 |
| Net loans and leases to total assets | 73.9767% | 816 |
| Net loans and leases to deposits | 86.3756% | 941 |
| Net loans and leases to core deposits | 89.9111% | 1,237 |
| Total domestic deposits to total assets | 85.6453% | 2,872 |
| Equity capital to assets | 9.2265% | 3,472 |
| Core capital (leverage) ratio | 9.1558% | 3,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8999% | 1,929 |
| Memoranda: | ||
| Average total assets | $618,600,000 | 1,414 |
| Average earning assets | $582,114,000 | 1,403 |
| Average equity | $56,420,500 | 1,600 |
| Average total loans | $461,928,500 | 1,261 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3286% | 249 |
| Cost of funding earning assets | 0.7057% | 1,696 |
| Net interest margin | 4.6230% | 254 |
| Noninterest income to average assets | 0.8299% | 1,454 |
| Noninterest expense to average assets | 3.4934% | 694 |
| Loan and lease loss provision to assets | 0.3342% | 1,058 |
| Net operating income to assets | 1.0265% | 2,192 |
| Return on assets (ROA) | 1.0265% | 2,334 |
| Pretax return on assets | 1.3190% | 1,920 |
| Return on Equity (ROE) | 10.6064% | 1,772 |
| Retained earnings to average equity (ytd only) | 8.9498% | 781 |
| Net charge-offs to loans | 0.0189% | 2,695 |
| Credit loss provision to net charge-offs | 2,361.0390% | 392 |
| Earnings coverage of net charge-offs (x) | 116.7792% | 716 |
| Efficiency ratio | 67.3133% | 2,321 |
| Assets per employee ($millions) | 5.6949% | 2,630 |
| Cash dividends to net income (ytd only)* | 15.6188% | 3,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2035% | 2,924 |
| Loan loss allowance to noncurrent loans | 128.5748% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 0.7237% | 1,435 |
| Noncurrent loans to loans | 0.9360% | 1,504 |
| Net loans and leases to total assets | 73.3293% | 1,111 |
| Net loans and leases to deposits | 89.5767% | 956 |
| Net loans and leases to core deposits | 92.8922% | 1,311 |
| Total domestic deposits to total assets | 81.8621% | 3,690 |
| Equity capital to assets | 9.0137% | 4,040 |
| Core capital (leverage) ratio | 9.0401% | 3,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5152% | 2,047 |
| Memoranda: | ||
| Average total assets | $543,907,000 | 1,445 |
| Average earning assets | $507,877,400 | 1,438 |
| Average equity | $52,637,800 | 1,611 |
| Average total loans | $407,169,400 | 1,336 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8828% | 760 |
| Cost of funding earning assets | 0.7606% | 1,678 |
| Net interest margin | 4.1222% | 855 |
| Noninterest income to average assets | 1.1508% | 791 |
| Noninterest expense to average assets | 3.5423% | 669 |
| Loan and lease loss provision to assets | 0.3087% | 1,296 |
| Net operating income to assets | 0.9108% | 2,651 |
| Return on assets (ROA) | 0.9108% | 2,786 |
| Pretax return on assets | 1.1399% | 2,605 |
| Return on Equity (ROE) | 9.2262% | 2,308 |
| Retained earnings to average equity (ytd only) | 6.9877% | 1,695 |
| Net charge-offs to loans | 0.0115% | 2,696 |
| Credit loss provision to net charge-offs | 3,582.3529% | 295 |
| Earnings coverage of net charge-offs (x) | 168.1176% | 554 |
| Efficiency ratio | 70.5799% | 1,807 |
| Assets per employee ($millions) | 5.8996% | 2,350 |
| Cash dividends to net income (ytd only)* | 24.2627% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0616% | 3,407 |
| Loan loss allowance to noncurrent loans | 85.2824% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 0.9213% | 1,238 |
| Noncurrent loans to loans | 1.2447% | 1,220 |
| Net loans and leases to total assets | 72.8926% | 1,521 |
| Net loans and leases to deposits | 91.0135% | 1,159 |
| Net loans and leases to core deposits | 94.0577% | 1,634 |
| Total domestic deposits to total assets | 80.0899% | 3,844 |
| Equity capital to assets | 8.4724% | 4,478 |
| Core capital (leverage) ratio | 8.8751% | 3,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1330% | 2,141 |
| Memoranda: | ||
| Average total assets | $526,120,250 | 1,464 |
| Average earning assets | $490,114,500 | 1,453 |
| Average equity | $51,937,500 | 1,621 |
| Average total loans | $394,834,500 | 1,364 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2177% | 549 |
| Cost of funding earning assets | 0.8407% | 1,630 |
| Net interest margin | 4.3770% | 649 |
| Noninterest income to average assets | 1.3314% | 585 |
| Noninterest expense to average assets | 3.9607% | 424 |
| Loan and lease loss provision to assets | 0.2517% | 1,671 |
| Net operating income to assets | 0.9717% | 2,421 |
| Return on assets (ROA) | 0.9717% | 2,547 |
| Pretax return on assets | 1.1795% | 2,431 |
| Return on Equity (ROE) | 9.2800% | 2,257 |
| Retained earnings to average equity (ytd only) | 5.8885% | 2,127 |
| Net charge-offs to loans | -0.0032% | 3,898 |
| Credit loss provision to net charge-offs | -10,300.0000% | 4,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8680% | 1,583 |
| Assets per employee ($millions) | 5.7209% | 2,430 |
| Cash dividends to net income (ytd only)* | 36.5465% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9869% | 3,640 |
| Loan loss allowance to noncurrent loans | 70.5399% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 1.0330% | 1,149 |
| Noncurrent loans to loans | 1.3991% | 1,107 |
| Net loans and leases to total assets | 73.1036% | 1,542 |
| Net loans and leases to deposits | 91.9033% | 1,171 |
| Net loans and leases to core deposits | 94.9396% | 1,663 |
| Total domestic deposits to total assets | 79.5440% | 3,931 |
| Equity capital to assets | 8.7155% | 4,339 |
| Core capital (leverage) ratio | 9.1231% | 3,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3657% | 2,044 |
| Memoranda: | ||
| Average total assets | $491,076,000 | 1,523 |
| Average earning assets | $455,563,000 | 1,521 |
| Average equity | $51,422,667 | 1,629 |
| Average total loans | $371,421,333 | 1,425 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0740% | 149 |
| Cost of funding earning assets | 0.9804% | 1,506 |
| Net interest margin | 5.0936% | 166 |
| Noninterest income to average assets | 0.7628% | 1,424 |
| Noninterest expense to average assets | 3.9352% | 540 |
| Loan and lease loss provision to assets | 0.1999% | 1,519 |
| Net operating income to assets | 1.0012% | 2,169 |
| Return on assets (ROA) | 1.0012% | 2,276 |
| Pretax return on assets | 1.3102% | 1,843 |
| Return on Equity (ROE) | 8.5718% | 2,289 |
| Retained earnings to average equity (ytd only) | 5.6518% | 2,016 |
| Net charge-offs to loans | 0.0024% | 2,507 |
| Credit loss provision to net charge-offs | 10,900.0000% | 71 |
| Earnings coverage of net charge-offs (x) | 823.5000% | 69 |
| Efficiency ratio | 71.6114% | 2,139 |
| Assets per employee ($millions) | 4.1373% | 3,737 |
| Cash dividends to net income (ytd only)* | 34.0659% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1398% | 2,991 |
| Loan loss allowance to noncurrent loans | 69.8030% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 1.2725% | 937 |
| Noncurrent loans to loans | 1.6328% | 946 |
| Net loans and leases to total assets | 77.0443% | 1,126 |
| Net loans and leases to deposits | 90.1784% | 1,488 |
| Net loans and leases to core deposits | 94.5006% | 1,923 |
| Total domestic deposits to total assets | 85.4354% | 2,238 |
| Equity capital to assets | 11.4885% | 2,441 |
| Core capital (leverage) ratio | 11.4888% | 2,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9552% | 2,304 |
| Memoranda: | ||
| Average total assets | $436,269,000 | 1,662 |
| Average earning assets | $401,055,500 | 1,669 |
| Average equity | $50,957,500 | 1,634 |
| Average total loans | $335,380,500 | 1,501 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3546% | 132 |
| Cost of funding earning assets | 1.0971% | 1,337 |
| Net interest margin | 5.2575% | 172 |
| Noninterest income to average assets | 1.4150% | 474 |
| Noninterest expense to average assets | 4.2657% | 390 |
| Loan and lease loss provision to assets | 0.1644% | 1,269 |
| Net operating income to assets | 1.3402% | 1,542 |
| Return on assets (ROA) | 1.3402% | 1,618 |
| Pretax return on assets | 1.7761% | 1,001 |
| Return on Equity (ROE) | 11.3379% | 1,756 |
| Retained earnings to average equity (ytd only) | 8.7033% | 785 |
| Net charge-offs to loans | 0.0745% | 2,029 |
| Credit loss provision to net charge-offs | 294.7598% | 952 |
| Earnings coverage of net charge-offs (x) | 34.7991% | 1,433 |
| Efficiency ratio | 68.1367% | 2,438 |
| Assets per employee ($millions) | 4.0933% | 3,781 |
| Cash dividends to net income (ytd only)* | 23.2376% | 3,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1636% | 2,622 |
| Loan loss allowance to noncurrent loans | 66.0274% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 1.3352% | 811 |
| Noncurrent loans to loans | 1.7623% | 774 |
| Net loans and leases to total assets | 74.8827% | 1,607 |
| Net loans and leases to deposits | 88.1907% | 1,818 |
| Net loans and leases to core deposits | 92.7860% | 2,176 |
| Total domestic deposits to total assets | 84.9100% | 2,529 |
| Equity capital to assets | 11.8816% | 2,216 |
| Core capital (leverage) ratio | 11.1961% | 2,341 |
| Tier 1 risk-based capital ratio | 13.5029% | 3,524 |
| Total risk-based capital ratio | 14.5809% | 3,502 |
| Memoranda: | ||
| Average total assets | $410,669,800 | 1,712 |
| Average earning assets | $374,247,400 | 1,733 |
| Average equity | $48,545,000 | 1,643 |
| Average total loans | $307,587,000 | 1,573 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3545% | 136 |
| Cost of funding earning assets | 1.1046% | 1,332 |
| Net interest margin | 5.2499% | 184 |
| Noninterest income to average assets | 1.1645% | 673 |
| Noninterest expense to average assets | 4.2377% | 394 |
| Loan and lease loss provision to assets | 0.1229% | 1,587 |
| Net operating income to assets | 1.3975% | 1,476 |
| Return on assets (ROA) | 1.3975% | 1,539 |
| Pretax return on assets | 1.5741% | 1,723 |
| Return on Equity (ROE) | 11.8380% | 1,672 |
| Retained earnings to average equity (ytd only) | 9.2928% | 961 |
| Net charge-offs to loans | 0.1308% | 1,217 |
| Credit loss provision to net charge-offs | 125.8389% | 1,872 |
| Earnings coverage of net charge-offs (x) | 17.3793% | 2,092 |
| Efficiency ratio | 70.7487% | 2,011 |
| Assets per employee ($millions) | 4.2074% | 3,603 |
| Cash dividends to net income (ytd only)* | 21.5007% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0938% | 3,063 |
| Loan loss allowance to noncurrent loans | 57.3754% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 1.3479% | 883 |
| Noncurrent loans to loans | 1.9063% | 736 |
| Net loans and leases to total assets | 69.9322% | 2,486 |
| Net loans and leases to deposits | 81.9556% | 2,686 |
| Net loans and leases to core deposits | 86.3587% | 2,877 |
| Total domestic deposits to total assets | 85.3293% | 2,285 |
| Equity capital to assets | 11.3595% | 2,790 |
| Core capital (leverage) ratio | 10.8089% | 2,830 |
| Tier 1 risk-based capital ratio | 13.6279% | 3,513 |
| Total risk-based capital ratio | 14.6665% | 3,524 |
| Memoranda: | ||
| Average total assets | $406,910,500 | 1,736 |
| Average earning assets | $369,722,750 | 1,764 |
| Average equity | $48,036,000 | 1,660 |
| Average total loans | $303,850,250 | 1,600 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4254% | 124 |
| Cost of funding earning assets | 1.0955% | 1,316 |
| Net interest margin | 5.3299% | 159 |
| Noninterest income to average assets | 1.5917% | 365 |
| Noninterest expense to average assets | 4.5118% | 300 |
| Loan and lease loss provision to assets | 0.0882% | 2,081 |
| Net operating income to assets | 1.5448% | 1,021 |
| Return on assets (ROA) | 1.5448% | 1,070 |
| Pretax return on assets | 1.8165% | 1,000 |
| Return on Equity (ROE) | 12.9067% | 1,273 |
| Retained earnings to average equity (ytd only) | 11.0869% | 534 |
| Net charge-offs to loans | 0.1841% | 897 |
| Credit loss provision to net charge-offs | 62.9496% | 2,382 |
| Earnings coverage of net charge-offs (x) | 13.5899% | 2,090 |
| Efficiency ratio | 69.7258% | 2,269 |
| Assets per employee ($millions) | 3.9054% | 3,991 |
| Cash dividends to net income (ytd only)* | 14.0992% | 3,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0462% | 3,358 |
| Loan loss allowance to noncurrent loans | 68.5494% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 1.1398% | 1,182 |
| Noncurrent loans to loans | 1.5262% | 1,007 |
| Net loans and leases to total assets | 73.9035% | 1,908 |
| Net loans and leases to deposits | 89.4597% | 1,807 |
| Net loans and leases to core deposits | 94.5227% | 2,204 |
| Total domestic deposits to total assets | 82.6110% | 3,329 |
| Equity capital to assets | 11.9418% | 2,233 |
| Core capital (leverage) ratio | 10.9026% | 2,690 |
| Tier 1 risk-based capital ratio | 13.3231% | 3,683 |
| Total risk-based capital ratio | 14.3047% | 3,713 |
| Memoranda: | ||
| Average total assets | $396,689,330 | 1,769 |
| Average earning assets | $359,107,000 | 1,809 |
| Average equity | $47,479,330 | 1,665 |
| Average total loans | $302,004,000 | 1,612 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4338% | 123 |
| Cost of funding earning assets | 1.0237% | 1,468 |
| Net interest margin | 5.4102% | 151 |
| Noninterest income to average assets | 1.2892% | 512 |
| Noninterest expense to average assets | 4.4738% | 297 |
| Loan and lease loss provision to assets | 0.0513% | 2,629 |
| Net operating income to assets | 1.2400% | 1,921 |
| Return on assets (ROA) | 1.2400% | 1,968 |
| Pretax return on assets | 1.6533% | 1,335 |
| Return on Equity (ROE) | 10.3478% | 2,220 |
| Retained earnings to average equity (ytd only) | 9.7059% | 1,104 |
| Net charge-offs to loans | 0.3895% | 395 |
| Credit loss provision to net charge-offs | 17.1233% | 2,153 |
| Earnings coverage of net charge-offs (x) | 5.6918% | 2,247 |
| Efficiency ratio | 71.7795% | 2,067 |
| Assets per employee ($millions) | 3.6461% | 4,411 |
| Cash dividends to net income (ytd only)* | 6.2035% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0093% | 3,631 |
| Loan loss allowance to noncurrent loans | 80.1098% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 0.9540% | 1,473 |
| Noncurrent loans to loans | 1.2598% | 1,305 |
| Net loans and leases to total assets | 74.9559% | 1,648 |
| Net loans and leases to deposits | 97.5808% | 831 |
| Net loans and leases to core deposits | 102.5922% | 1,408 |
| Total domestic deposits to total assets | 76.8142% | 4,673 |
| Equity capital to assets | 11.8045% | 2,154 |
| Core capital (leverage) ratio | 11.2108% | 2,378 |
| Tier 1 risk-based capital ratio | 13.1493% | 3,800 |
| Total risk-based capital ratio | 14.1145% | 3,845 |
| Memoranda: | ||
| Average total assets | $390,002,500 | 1,809 |
| Average earning assets | $352,448,500 | 1,839 |
| Average equity | $46,734,500 | 1,677 |
| Average total loans | $299,878,500 | 1,636 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1684% | 133 |
| Cost of funding earning assets | 0.7822% | 1,628 |
| Net interest margin | 5.3862% | 135 |
| Noninterest income to average assets | 2.5279% | 193 |
| Noninterest expense to average assets | 5.5385% | 153 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.1535% | 272 |
| Return on assets (ROA) | 2.1535% | 266 |
| Pretax return on assets | 1.8412% | 832 |
| Return on Equity (ROE) | 18.3189% | 360 |
| Retained earnings to average equity (ytd only) | 15.9509% | 89 |
| Net charge-offs to loans | -0.0124% | 4,551 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5002% | 1,559 |
| Assets per employee ($millions) | 3.0074% | 4,989 |
| Cash dividends to net income (ytd only)* | 12.9266% | 3,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1170% | 2,995 |
| Loan loss allowance to noncurrent loans | 62.7872% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 1.3899% | 885 |
| Noncurrent loans to loans | 1.7790% | 801 |
| Net loans and leases to total assets | 77.2584% | 1,396 |
| Net loans and leases to deposits | 102.1533% | 577 |
| Net loans and leases to core deposits | 107.4333% | 1,165 |
| Total domestic deposits to total assets | 75.6299% | 4,791 |
| Equity capital to assets | 12.1722% | 1,778 |
| Core capital (leverage) ratio | 10.9790% | 2,544 |
| Tier 1 risk-based capital ratio | 12.9581% | 3,870 |
| Total risk-based capital ratio | 14.0202% | 3,861 |
| Memoranda: | ||
| Average total assets | $359,228,200 | 1,882 |
| Average earning assets | $323,586,200 | 1,912 |
| Average equity | $42,229,600 | 1,775 |
| Average total loans | $266,262,600 | 1,751 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9996% | 152 |
| Cost of funding earning assets | 0.7247% | 1,721 |
| Net interest margin | 5.2749% | 157 |
| Noninterest income to average assets | 2.5842% | 196 |
| Noninterest expense to average assets | 5.4062% | 164 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.9275% | 453 |
| Return on assets (ROA) | 1.9275% | 451 |
| Pretax return on assets | 1.9275% | 772 |
| Return on Equity (ROE) | 16.5532% | 607 |
| Retained earnings to average equity (ytd only) | 14.1294% | 238 |
| Net charge-offs to loans | -0.0072% | 4,312 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1578% | 1,710 |
| Assets per employee ($millions) | 3.0460% | 5,007 |
| Cash dividends to net income (ytd only)* | 14.6428% | 3,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1720% | 2,784 |
| Loan loss allowance to noncurrent loans | 68.2299% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 1.2968% | 1,057 |
| Noncurrent loans to loans | 1.7177% | 906 |
| Net loans and leases to total assets | 74.6117% | 1,886 |
| Net loans and leases to deposits | 103.2279% | 588 |
| Net loans and leases to core deposits | 108.4956% | 1,133 |
| Total domestic deposits to total assets | 72.2786% | 5,105 |
| Equity capital to assets | 11.7402% | 2,076 |
| Core capital (leverage) ratio | 11.0385% | 2,545 |
| Tier 1 risk-based capital ratio | 13.1690% | 3,805 |
| Total risk-based capital ratio | 14.2745% | 3,802 |
| Memoranda: | ||
| Average total assets | $354,301,250 | 1,911 |
| Average earning assets | $319,014,750 | 1,941 |
| Average equity | $41,255,750 | 1,814 |
| Average total loans | $258,811,500 | 1,793 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8818% | 168 |
| Cost of funding earning assets | 0.6768% | 1,763 |
| Net interest margin | 5.2050% | 167 |
| Noninterest income to average assets | 2.6351% | 196 |
| Noninterest expense to average assets | 5.4239% | 172 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.8851% | 485 |
| Return on assets (ROA) | 1.8851% | 479 |
| Pretax return on assets | 1.8851% | 805 |
| Return on Equity (ROE) | 16.2363% | 625 |
| Retained earnings to average equity (ytd only) | 13.7650% | 300 |
| Net charge-offs to loans | 0.0024% | 3,117 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 1,095.0000% | 73 |
| Efficiency ratio | 73.6437% | 1,763 |
| Assets per employee ($millions) | 2.9441% | 5,137 |
| Cash dividends to net income (ytd only)* | 15.2207% | 3,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2294% | 2,558 |
| Loan loss allowance to noncurrent loans | 75.1263% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 1.2122% | 1,184 |
| Noncurrent loans to loans | 1.6365% | 985 |
| Net loans and leases to total assets | 73.1619% | 2,096 |
| Net loans and leases to deposits | 99.8476% | 816 |
| Net loans and leases to core deposits | 105.0208% | 1,312 |
| Total domestic deposits to total assets | 73.2736% | 5,101 |
| Equity capital to assets | 11.7167% | 2,051 |
| Core capital (leverage) ratio | 11.0029% | 2,523 |
| Tier 1 risk-based capital ratio | 13.3791% | 3,689 |
| Total risk-based capital ratio | 14.5436% | 3,662 |
| Memoranda: | ||
| Average total assets | $348,531,000 | 1,945 |
| Average earning assets | $312,965,330 | 1,972 |
| Average equity | $40,465,000 | 1,844 |
| Average total loans | $251,564,000 | 1,831 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5387% | 261 |
| Cost of funding earning assets | 0.6148% | 1,945 |
| Net interest margin | 4.9239% | 264 |
| Noninterest income to average assets | 1.7937% | 312 |
| Noninterest expense to average assets | 5.1048% | 206 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0944% | 2,446 |
| Return on assets (ROA) | 1.0944% | 2,464 |
| Pretax return on assets | 1.0944% | 3,191 |
| Return on Equity (ROE) | 9.4716% | 2,688 |
| Retained earnings to average equity (ytd only) | 6.9499% | 2,301 |
| Net charge-offs to loans | -0.0213% | 4,595 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6695% | 982 |
| Assets per employee ($millions) | 2.9171% | 5,208 |
| Cash dividends to net income (ytd only)* | 26.6241% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2888% | 2,297 |
| Loan loss allowance to noncurrent loans | 59.2359% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 1.9114% | 615 |
| Noncurrent loans to loans | 2.1757% | 696 |
| Net loans and leases to total assets | 71.9197% | 2,182 |
| Net loans and leases to deposits | 94.9729% | 1,135 |
| Net loans and leases to core deposits | 99.0160% | 1,761 |
| Total domestic deposits to total assets | 75.7265% | 4,991 |
| Equity capital to assets | 11.4177% | 2,203 |
| Core capital (leverage) ratio | 10.9869% | 2,455 |
| Tier 1 risk-based capital ratio | 13.3542% | 3,746 |
| Total risk-based capital ratio | 14.5859% | 3,667 |
| Memoranda: | ||
| Average total assets | $343,206,500 | 1,972 |
| Average earning assets | $307,076,000 | 2,011 |
| Average equity | $39,655,500 | 1,882 |
| Average total loans | $244,319,000 | 1,880 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6014% | 230 |
| Cost of funding earning assets | 0.5422% | 2,012 |
| Net interest margin | 5.0592% | 213 |
| Noninterest income to average assets | 3.2163% | 166 |
| Noninterest expense to average assets | 5.5053% | 168 |
| Loan and lease loss provision to assets | -0.3745% | 5,628 |
| Net operating income to assets | 2.4670% | 124 |
| Return on assets (ROA) | 2.4670% | 123 |
| Pretax return on assets | 2.6494% | 148 |
| Return on Equity (ROE) | 22.7844% | 104 |
| Retained earnings to average equity (ytd only) | 22.7844% | 26 |
| Net charge-offs to loans | 0.1456% | 1,627 |
| Credit loss provision to net charge-offs | -359.1837% | 4,899 |
| Earnings coverage of net charge-offs (x) | 21.8192% | 1,879 |
| Efficiency ratio | 70.2090% | 2,515 |
| Assets per employee ($millions) | 2.7570% | 5,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4016% | 1,761 |
| Loan loss allowance to noncurrent loans | 70.7892% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 2.2714% | 443 |
| Noncurrent loans to loans | 1.9799% | 774 |
| Net loans and leases to total assets | 68.4743% | 2,756 |
| Net loans and leases to deposits | 88.4275% | 1,968 |
| Net loans and leases to core deposits | 92.0271% | 2,377 |
| Total domestic deposits to total assets | 77.4355% | 4,802 |
| Equity capital to assets | 11.6967% | 2,036 |
| Core capital (leverage) ratio | 10.9586% | 2,380 |
| Tier 1 risk-based capital ratio | 14.2485% | 3,226 |
| Total risk-based capital ratio | 15.5003% | 3,120 |
| Memoranda: | ||
| Average total assets | $328,976,200 | 2,016 |
| Average earning assets | $296,766,400 | 2,058 |
| Average equity | $35,620,800 | 2,045 |
| Average total loans | $235,637,000 | 1,903 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4323% | 281 |
| Cost of funding earning assets | 0.5523% | 1,875 |
| Net interest margin | 4.8800% | 286 |
| Noninterest income to average assets | 3.0491% | 179 |
| Noninterest expense to average assets | 5.3372% | 188 |
| Loan and lease loss provision to assets | -0.5021% | 5,713 |
| Net operating income to assets | 2.6256% | 115 |
| Return on assets (ROA) | 2.6256% | 115 |
| Pretax return on assets | 2.6256% | 174 |
| Return on Equity (ROE) | 24.7595% | 79 |
| Retained earnings to average equity (ytd only) | 24.7595% | 28 |
| Net charge-offs to loans | -0.0311% | 5,008 |
| Credit loss provision to net charge-offs | 2,240.0000% | 191 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9642% | 2,371 |
| Assets per employee ($millions) | 2.7599% | 5,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5278% | 1,439 |
| Loan loss allowance to noncurrent loans | 60.2956% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 1.8237% | 753 |
| Noncurrent loans to loans | 2.5338% | 592 |
| Net loans and leases to total assets | 70.8738% | 2,429 |
| Net loans and leases to deposits | 87.6176% | 2,112 |
| Net loans and leases to core deposits | 92.5851% | 2,390 |
| Total domestic deposits to total assets | 80.8899% | 4,081 |
| Equity capital to assets | 11.2956% | 2,577 |
| Core capital (leverage) ratio | 10.4612% | 3,032 |
| Tier 1 risk-based capital ratio | 13.3402% | 3,801 |
| Total risk-based capital ratio | 14.5944% | 3,708 |
| Memoranda: | ||
| Average total assets | $327,130,250 | 2,038 |
| Average earning assets | $295,731,250 | 2,076 |
| Average equity | $34,690,250 | 2,110 |
| Average total loans | $236,147,750 | 1,908 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2199% | 382 |
| Cost of funding earning assets | 0.5762% | 1,604 |
| Net interest margin | 4.6437% | 438 |
| Noninterest income to average assets | 3.2352% | 175 |
| Noninterest expense to average assets | 5.2989% | 193 |
| Loan and lease loss provision to assets | -0.7585% | 5,771 |
| Net operating income to assets | 2.8923% | 89 |
| Return on assets (ROA) | 2.8923% | 89 |
| Pretax return on assets | 2.8923% | 127 |
| Return on Equity (ROE) | 27.8979% | 50 |
| Retained earnings to average equity (ytd only) | 27.8979% | 22 |
| Net charge-offs to loans | -0.0682% | 5,288 |
| Credit loss provision to net charge-offs | 1,540.0000% | 265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7115% | 2,551 |
| Assets per employee ($millions) | 2.6431% | 5,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5304% | 1,478 |
| Loan loss allowance to noncurrent loans | 73.6748% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 2.0092% | 633 |
| Noncurrent loans to loans | 2.0772% | 799 |
| Net loans and leases to total assets | 73.1708% | 2,010 |
| Net loans and leases to deposits | 89.0028% | 1,863 |
| Net loans and leases to core deposits | 94.5949% | 2,104 |
| Total domestic deposits to total assets | 82.2118% | 3,826 |
| Equity capital to assets | 11.0699% | 2,734 |
| Core capital (leverage) ratio | 10.2686% | 3,179 |
| Tier 1 risk-based capital ratio | 12.6948% | 4,188 |
| Total risk-based capital ratio | 13.9491% | 4,095 |
| Memoranda: | ||
| Average total assets | $324,859,330 | 2,052 |
| Average earning assets | $293,646,330 | 2,098 |
| Average equity | $33,680,000 | 2,156 |
| Average total loans | $234,747,000 | 1,923 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0749% | 462 |
| Cost of funding earning assets | 0.5961% | 1,399 |
| Net interest margin | 4.4788% | 545 |
| Noninterest income to average assets | 2.5189% | 231 |
| Noninterest expense to average assets | 5.0071% | 233 |
| Loan and lease loss provision to assets | -1.5175% | 5,850 |
| Net operating income to assets | 3.0831% | 87 |
| Return on assets (ROA) | 3.0831% | 88 |
| Pretax return on assets | 3.0831% | 121 |
| Return on Equity (ROE) | 30.7815% | 42 |
| Retained earnings to average equity (ytd only) | 30.7815% | 28 |
| Net charge-offs to loans | -0.0830% | 5,388 |
| Credit loss provision to net charge-offs | 2,566.6667% | 133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5247% | 1,981 |
| Assets per employee ($millions) | 2.7381% | 5,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5602% | 1,480 |
| Loan loss allowance to noncurrent loans | 69.8095% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 2.0759% | 630 |
| Noncurrent loans to loans | 2.2349% | 748 |
| Net loans and leases to total assets | 70.9707% | 2,224 |
| Net loans and leases to deposits | 85.5565% | 2,087 |
| Net loans and leases to core deposits | 90.3904% | 2,321 |
| Total domestic deposits to total assets | 82.9518% | 3,857 |
| Equity capital to assets | 10.3692% | 3,329 |
| Core capital (leverage) ratio | 9.5192% | 4,106 |
| Tier 1 risk-based capital ratio | 12.3847% | 4,458 |
| Total risk-based capital ratio | 13.6395% | 4,365 |
| Memoranda: | ||
| Average total assets | $324,740,500 | 2,067 |
| Average earning assets | $293,919,000 | 2,108 |
| Average equity | $32,526,000 | 2,215 |
| Average total loans | $231,334,000 | 1,948 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8398% | 819 |
| Cost of funding earning assets | 0.6604% | 1,002 |
| Net interest margin | 4.1793% | 1,169 |
| Noninterest income to average assets | 2.3579% | 272 |
| Noninterest expense to average assets | 4.8302% | 288 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.3256% | 1,159 |
| Return on assets (ROA) | 1.2817% | 1,329 |
| Pretax return on assets | 1.2817% | 2,348 |
| Return on Equity (ROE) | 14.0157% | 770 |
| Retained earnings to average equity (ytd only) | 14.0157% | 128 |
| Net charge-offs to loans | 0.0337% | 3,353 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 56.4267% | 940 |
| Efficiency ratio | 77.7795% | 1,725 |
| Assets per employee ($millions) | 2.7428% | 5,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1290% | 523 |
| Loan loss allowance to noncurrent loans | 95.3777% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 2.0386% | 667 |
| Noncurrent loans to loans | 2.2322% | 759 |
| Net loans and leases to total assets | 68.8737% | 2,635 |
| Net loans and leases to deposits | 83.5236% | 2,475 |
| Net loans and leases to core deposits | 90.4099% | 2,469 |
| Total domestic deposits to total assets | 82.4602% | 3,947 |
| Equity capital to assets | 9.6604% | 4,104 |
| Core capital (leverage) ratio | 8.7949% | 4,972 |
| Tier 1 risk-based capital ratio | 12.0734% | 4,676 |
| Total risk-based capital ratio | 13.3367% | 4,547 |
| Memoranda: | ||
| Average total assets | $319,263,200 | 2,062 |
| Average earning assets | $290,118,000 | 2,100 |
| Average equity | $29,195,800 | 2,433 |
| Average total loans | $222,713,200 | 1,958 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7944% | 910 |
| Cost of funding earning assets | 0.6629% | 990 |
| Net interest margin | 4.1316% | 1,303 |
| Noninterest income to average assets | 1.9583% | 360 |
| Noninterest expense to average assets | 4.5866% | 357 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1302% | 1,874 |
| Return on assets (ROA) | 1.0715% | 2,224 |
| Pretax return on assets | 1.0715% | 3,347 |
| Return on Equity (ROE) | 11.8879% | 1,365 |
| Retained earnings to average equity (ytd only) | 11.8879% | 316 |
| Net charge-offs to loans | 0.0530% | 2,604 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 30.6478% | 1,466 |
| Efficiency ratio | 80.2302% | 1,413 |
| Assets per employee ($millions) | 2.7682% | 5,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1001% | 606 |
| Loan loss allowance to noncurrent loans | 65.1576% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 2.2722% | 637 |
| Noncurrent loans to loans | 3.2232% | 441 |
| Net loans and leases to total assets | 69.0144% | 2,641 |
| Net loans and leases to deposits | 83.4014% | 2,557 |
| Net loans and leases to core deposits | 90.8627% | 2,491 |
| Total domestic deposits to total assets | 82.7496% | 3,685 |
| Equity capital to assets | 9.1156% | 5,052 |
| Core capital (leverage) ratio | 8.4777% | 5,377 |
| Tier 1 risk-based capital ratio | 11.1114% | 5,311 |
| Total risk-based capital ratio | 12.3738% | 5,212 |
| Memoranda: | ||
| Average total assets | $318,166,000 | 2,076 |
| Average earning assets | $289,439,500 | 2,108 |
| Average equity | $28,678,250 | 2,483 |
| Average total loans | $221,451,500 | 1,972 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9641% | 631 |
| Cost of funding earning assets | 0.6591% | 1,003 |
| Net interest margin | 4.3050% | 914 |
| Noninterest income to average assets | 1.9611% | 343 |
| Noninterest expense to average assets | 4.5202% | 381 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3516% | 1,162 |
| Return on assets (ROA) | 1.2628% | 1,503 |
| Pretax return on assets | 1.2628% | 2,555 |
| Return on Equity (ROE) | 14.0645% | 818 |
| Retained earnings to average equity (ytd only) | 14.0645% | 181 |
| Net charge-offs to loans | 0.1062% | 1,765 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 18.3707% | 1,828 |
| Efficiency ratio | 76.9821% | 1,933 |
| Assets per employee ($millions) | 2.9907% | 5,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2002% | 542 |
| Loan loss allowance to noncurrent loans | 2,185.4545% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.0681% | 5,285 |
| Noncurrent loans to loans | 0.1007% | 5,050 |
| Net loans and leases to total assets | 66.1661% | 3,055 |
| Net loans and leases to deposits | 78.9857% | 3,058 |
| Net loans and leases to core deposits | 85.8331% | 2,915 |
| Total domestic deposits to total assets | 83.7698% | 3,360 |
| Equity capital to assets | 9.0385% | 5,211 |
| Core capital (leverage) ratio | 8.7344% | 5,132 |
| Tier 1 risk-based capital ratio | 11.3444% | 5,252 |
| Total risk-based capital ratio | 12.6076% | 5,142 |
| Memoranda: | ||
| Average total assets | $315,338,670 | 2,097 |
| Average earning assets | $286,458,670 | 2,135 |
| Average equity | $28,312,330 | 2,510 |
| Average total loans | $218,512,000 | 1,996 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1189% | 477 |
| Cost of funding earning assets | 0.6655% | 967 |
| Net interest margin | 4.4534% | 663 |
| Noninterest income to average assets | 2.5155% | 251 |
| Noninterest expense to average assets | 4.5379% | 381 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.0160% | 322 |
| Return on assets (ROA) | 2.0160% | 335 |
| Pretax return on assets | 2.0160% | 544 |
| Return on Equity (ROE) | 22.5320% | 144 |
| Retained earnings to average equity (ytd only) | 22.5320% | 63 |
| Net charge-offs to loans | 0.0238% | 2,457 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 120.7692% | 472 |
| Efficiency ratio | 69.2398% | 3,260 |
| Assets per employee ($millions) | 2.9113% | 5,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2737% | 538 |
| Loan loss allowance to noncurrent loans | 759.0417% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.3211% | 4,284 |
| Noncurrent loans to loans | 0.2995% | 4,355 |
| Net loans and leases to total assets | 68.4008% | 2,599 |
| Net loans and leases to deposits | 82.4560% | 2,492 |
| Net loans and leases to core deposits | 89.9177% | 2,383 |
| Total domestic deposits to total assets | 82.9542% | 3,915 |
| Equity capital to assets | 9.2902% | 4,896 |
| Core capital (leverage) ratio | 8.6836% | 5,195 |
| Tier 1 risk-based capital ratio | 11.1389% | 5,431 |
| Total risk-based capital ratio | 12.4029% | 5,330 |
| Memoranda: | ||
| Average total assets | $311,510,000 | 2,123 |
| Average earning assets | $282,480,500 | 2,163 |
| Average equity | $27,871,500 | 2,538 |
| Average total loans | $218,507,000 | 1,995 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3626% | 2,017 |
| Cost of funding earning assets | 0.6413% | 1,119 |
| Net interest margin | 3.7213% | 2,671 |
| Noninterest income to average assets | 2.8073% | 224 |
| Noninterest expense to average assets | 4.7527% | 341 |
| Loan and lease loss provision to assets | -0.1656% | 5,943 |
| Net operating income to assets | 1.6163% | 678 |
| Return on assets (ROA) | 1.6012% | 724 |
| Pretax return on assets | 1.6012% | 1,242 |
| Return on Equity (ROE) | 21.7837% | 184 |
| Retained earnings to average equity (ytd only) | 21.7837% | 55 |
| Net charge-offs to loans | 0.0376% | 3,473 |
| Credit loss provision to net charge-offs | -691.3580% | 5,506 |
| Earnings coverage of net charge-offs (x) | 60.5556% | 863 |
| Efficiency ratio | 76.6150% | 2,175 |
| Assets per employee ($millions) | 3.2084% | 5,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2278% | 571 |
| Loan loss allowance to noncurrent loans | 474.8312% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.3298% | 4,263 |
| Noncurrent loans to loans | 0.4692% | 3,783 |
| Net loans and leases to total assets | 68.7279% | 2,585 |
| Net loans and leases to deposits | 82.8731% | 2,490 |
| Net loans and leases to core deposits | 91.1180% | 2,301 |
| Total domestic deposits to total assets | 82.9315% | 3,856 |
| Equity capital to assets | 8.6106% | 5,457 |
| Core capital (leverage) ratio | 7.8472% | 5,892 |
| Tier 1 risk-based capital ratio | 10.3042% | 5,860 |
| Total risk-based capital ratio | 11.5688% | 5,779 |
| Memoranda: | ||
| Average total assets | $338,123,800 | 1,938 |
| Average earning assets | $308,574,000 | 1,975 |
| Average equity | $24,853,400 | 2,705 |
| Average total loans | $215,343,200 | 1,955 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3074% | 2,205 |
| Cost of funding earning assets | 0.6334% | 1,189 |
| Net interest margin | 3.6740% | 2,873 |
| Noninterest income to average assets | 3.1844% | 198 |
| Noninterest expense to average assets | 4.7581% | 347 |
| Loan and lease loss provision to assets | -0.2170% | 6,108 |
| Net operating income to assets | 1.9993% | 365 |
| Return on assets (ROA) | 1.9818% | 388 |
| Pretax return on assets | 1.9818% | 618 |
| Return on Equity (ROE) | 28.0617% | 73 |
| Retained earnings to average equity (ytd only) | 28.0617% | 31 |
| Net charge-offs to loans | 0.0692% | 2,572 |
| Credit loss provision to net charge-offs | -504.5045% | 5,365 |
| Earnings coverage of net charge-offs (x) | 41.4314% | 1,206 |
| Efficiency ratio | 72.7499% | 2,755 |
| Assets per employee ($millions) | 3.2897% | 5,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3336% | 546 |
| Loan loss allowance to noncurrent loans | 505.0568% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.2946% | 4,586 |
| Noncurrent loans to loans | 0.4620% | 3,974 |
| Net loans and leases to total assets | 62.2618% | 3,569 |
| Net loans and leases to deposits | 75.9993% | 3,302 |
| Net loans and leases to core deposits | 82.5478% | 3,190 |
| Total domestic deposits to total assets | 81.9241% | 4,189 |
| Equity capital to assets | 8.1329% | 5,910 |
| Core capital (leverage) ratio | 7.4707% | 6,062 |
| Tier 1 risk-based capital ratio | 10.7991% | 5,757 |
| Total risk-based capital ratio | 12.0651% | 5,678 |
| Memoranda: | ||
| Average total assets | $344,048,000 | 1,912 |
| Average earning assets | $314,275,000 | 1,939 |
| Average equity | $24,298,250 | 2,773 |
| Average total loans | $213,923,250 | 1,972 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1689% | 2,653 |
| Cost of funding earning assets | 0.6204% | 1,284 |
| Net interest margin | 3.5485% | 3,298 |
| Noninterest income to average assets | 3.7305% | 170 |
| Noninterest expense to average assets | 4.8678% | 318 |
| Loan and lease loss provision to assets | -0.3209% | 6,234 |
| Net operating income to assets | 2.4213% | 189 |
| Return on assets (ROA) | 2.3955% | 206 |
| Pretax return on assets | 2.3955% | 290 |
| Return on Equity (ROE) | 35.6143% | 35 |
| Retained earnings to average equity (ytd only) | 35.6143% | 19 |
| Net charge-offs to loans | 0.1625% | 1,499 |
| Credit loss provision to net charge-offs | -320.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 20.9486% | 1,694 |
| Efficiency ratio | 69.8569% | 3,350 |
| Assets per employee ($millions) | 3.2450% | 5,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1919% | 742 |
| Loan loss allowance to noncurrent loans | 909.6045% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.7232% | 3,216 |
| Noncurrent loans to loans | 0.2410% | 4,793 |
| Net loans and leases to total assets | 62.0727% | 3,537 |
| Net loans and leases to deposits | 73.4009% | 3,566 |
| Net loans and leases to core deposits | 80.3625% | 3,349 |
| Total domestic deposits to total assets | 84.5666% | 3,309 |
| Equity capital to assets | 7.4294% | 6,126 |
| Core capital (leverage) ratio | 7.0013% | 6,191 |
| Tier 1 risk-based capital ratio | 10.0217% | 6,082 |
| Total risk-based capital ratio | 11.2862% | 6,028 |
| Memoranda: | ||
| Average total assets | $349,072,670 | 1,900 |
| Average earning assets | $318,503,670 | 1,926 |
| Average equity | $23,479,330 | 2,865 |
| Average total loans | $215,324,670 | 1,972 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0947% | 2,853 |
| Cost of funding earning assets | 0.6019% | 1,424 |
| Net interest margin | 3.4928% | 3,465 |
| Noninterest income to average assets | 3.4880% | 187 |
| Noninterest expense to average assets | 5.1885% | 265 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4891% | 867 |
| Return on assets (ROA) | 1.4891% | 923 |
| Pretax return on assets | 1.4891% | 1,601 |
| Return on Equity (ROE) | 23.3502% | 149 |
| Retained earnings to average equity (ytd only) | 23.3502% | 59 |
| Net charge-offs to loans | -0.0620% | 5,629 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6998% | 2,232 |
| Assets per employee ($millions) | 3.2438% | 5,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6415% | 438 |
| Loan loss allowance to noncurrent loans | 735.6110% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.8937% | 2,850 |
| Noncurrent loans to loans | 0.3591% | 4,518 |
| Net loans and leases to total assets | 58.3548% | 3,892 |
| Net loans and leases to deposits | 68.2999% | 3,930 |
| Net loans and leases to core deposits | 75.7223% | 3,623 |
| Total domestic deposits to total assets | 85.4391% | 3,204 |
| Equity capital to assets | 6.5014% | 6,306 |
| Core capital (leverage) ratio | 6.2000% | 6,319 |
| Tier 1 risk-based capital ratio | 9.0806% | 6,313 |
| Total risk-based capital ratio | 10.3495% | 6,298 |
| Memoranda: | ||
| Average total assets | $350,002,000 | 1,898 |
| Average earning assets | $319,630,500 | 1,925 |
| Average equity | $22,321,000 | 2,990 |
| Average total loans | $212,809,500 | 1,996 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5196% | 1,793 |
| Cost of funding earning assets | 0.4984% | 2,695 |
| Net interest margin | 4.0212% | 1,838 |
| Noninterest income to average assets | 1.6775% | 454 |
| Noninterest expense to average assets | 4.4896% | 466 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9687% | 2,534 |
| Return on assets (ROA) | 0.9687% | 2,622 |
| Pretax return on assets | 0.8420% | 4,102 |
| Return on Equity (ROE) | 13.7109% | 990 |
| Retained earnings to average equity (ytd only) | 13.7109% | 195 |
| Net charge-offs to loans | 0.1575% | 2,460 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 8.0966% | 2,928 |
| Efficiency ratio | 84.2073% | 1,386 |
| Assets per employee ($millions) | 3.3944% | 5,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3833% | 635 |
| Loan loss allowance to noncurrent loans | 750.0736% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.8728% | 3,026 |
| Noncurrent loans to loans | 0.3177% | 4,703 |
| Net loans and leases to total assets | 60.2509% | 3,753 |
| Net loans and leases to deposits | 70.8948% | 3,800 |
| Net loans and leases to core deposits | 79.4291% | 3,361 |
| Total domestic deposits to total assets | 84.9863% | 3,286 |
| Equity capital to assets | 6.7716% | 6,351 |
| Core capital (leverage) ratio | 7.1268% | 6,291 |
| Tier 1 risk-based capital ratio | 10.3796% | 6,149 |
| Total risk-based capital ratio | 11.6422% | 6,090 |
| Memoranda: | ||
| Average total assets | $308,671,000 | 2,108 |
| Average earning assets | $280,491,200 | 2,122 |
| Average equity | $21,807,400 | 2,971 |
| Average total loans | $203,818,800 | 2,006 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5699% | 1,645 |
| Cost of funding earning assets | 0.4954% | 2,809 |
| Net interest margin | 4.0745% | 1,656 |
| Noninterest income to average assets | 1.6225% | 493 |
| Noninterest expense to average assets | 4.4421% | 491 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0723% | 2,147 |
| Return on assets (ROA) | 1.0723% | 2,213 |
| Pretax return on assets | 0.8741% | 4,094 |
| Return on Equity (ROE) | 14.9979% | 829 |
| Retained earnings to average equity (ytd only) | 14.9979% | 207 |
| Net charge-offs to loans | 0.2530% | 1,530 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 5.1361% | 3,313 |
| Efficiency ratio | 83.5582% | 1,442 |
| Assets per employee ($millions) | 2.7318% | 6,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4182% | 714 |
| Loan loss allowance to noncurrent loans | 352.3810% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 1.1569% | 2,634 |
| Noncurrent loans to loans | 0.6862% | 3,892 |
| Net loans and leases to total assets | 62.4633% | 3,414 |
| Net loans and leases to deposits | 76.4885% | 3,130 |
| Net loans and leases to core deposits | 86.5203% | 2,608 |
| Total domestic deposits to total assets | 81.6637% | 4,606 |
| Equity capital to assets | 7.0238% | 6,379 |
| Core capital (leverage) ratio | 7.1156% | 6,368 |
| Tier 1 risk-based capital ratio | 10.3323% | 6,257 |
| Total risk-based capital ratio | 11.5944% | 6,219 |
| Memoranda: | ||
| Average total assets | $299,282,750 | 2,179 |
| Average earning assets | $271,307,500 | 2,201 |
| Average equity | $21,398,000 | 3,014 |
| Average total loans | $201,349,500 | 2,043 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5834% | 1,576 |
| Cost of funding earning assets | 0.4928% | 2,905 |
| Net interest margin | 4.0907% | 1,542 |
| Noninterest income to average assets | 1.5323% | 526 |
| Noninterest expense to average assets | 4.6642% | 398 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8752% | 2,933 |
| Return on assets (ROA) | 0.8752% | 3,022 |
| Pretax return on assets | 0.5690% | 5,059 |
| Return on Equity (ROE) | 12.1608% | 1,375 |
| Retained earnings to average equity (ytd only) | 12.1608% | 409 |
| Net charge-offs to loans | 0.0542% | 3,187 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 15.3148% | 1,858 |
| Efficiency ratio | 89.1270% | 979 |
| Assets per employee ($millions) | 2.8750% | 5,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5676% | 645 |
| Loan loss allowance to noncurrent loans | 122.9922% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 1.5308% | 2,129 |
| Noncurrent loans to loans | 2.0876% | 1,602 |
| Net loans and leases to total assets | 64.9061% | 2,922 |
| Net loans and leases to deposits | 76.7855% | 2,955 |
| Net loans and leases to core deposits | 87.5741% | 2,358 |
| Total domestic deposits to total assets | 84.5292% | 3,711 |
| Equity capital to assets | 6.9151% | 6,455 |
| Core capital (leverage) ratio | 7.6759% | 6,255 |
| Tier 1 risk-based capital ratio | 9.8731% | 6,431 |
| Total risk-based capital ratio | 11.1376% | 6,395 |
| Memoranda: | ||
| Average total assets | $290,683,000 | 2,220 |
| Average earning assets | $262,989,670 | 2,263 |
| Average equity | $20,919,670 | 3,068 |
| Average total loans | $199,103,000 | 2,053 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6141% | 1,468 |
| Cost of funding earning assets | 0.4922% | 2,989 |
| Net interest margin | 4.1219% | 1,410 |
| Noninterest income to average assets | 1.4735% | 536 |
| Noninterest expense to average assets | 4.7269% | 377 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4640% | 4,881 |
| Return on assets (ROA) | 0.4640% | 4,950 |
| Pretax return on assets | 0.4640% | 5,274 |
| Return on Equity (ROE) | 6.3083% | 3,848 |
| Retained earnings to average equity (ytd only) | 6.3083% | 2,377 |
| Net charge-offs to loans | -0.0350% | 5,651 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0621% | 945 |
| Assets per employee ($millions) | 2.6609% | 6,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7343% | 596 |
| Loan loss allowance to noncurrent loans | 138.4400% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 1.5663% | 2,254 |
| Noncurrent loans to loans | 1.9751% | 1,892 |
| Net loans and leases to total assets | 69.1481% | 2,038 |
| Net loans and leases to deposits | 83.5444% | 1,869 |
| Net loans and leases to core deposits | 91.5876% | 1,772 |
| Total domestic deposits to total assets | 82.7682% | 4,680 |
| Equity capital to assets | 7.4140% | 6,339 |
| Core capital (leverage) ratio | 7.7375% | 6,253 |
| Tier 1 risk-based capital ratio | 9.8126% | 6,512 |
| Total risk-based capital ratio | 11.0783% | 6,490 |
| Memoranda: | ||
| Average total assets | $279,339,000 | 2,307 |
| Average earning assets | $251,924,000 | 2,340 |
| Average equity | $20,544,500 | 3,112 |
| Average total loans | $194,276,000 | 2,101 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2414% | 3,185 |
| Cost of funding earning assets | 0.5921% | 2,739 |
| Net interest margin | 3.6493% | 3,244 |
| Noninterest income to average assets | 1.8797% | 430 |
| Noninterest expense to average assets | 4.7940% | 410 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6992% | 3,798 |
| Return on assets (ROA) | 0.6992% | 3,887 |
| Pretax return on assets | 0.3485% | 5,609 |
| Return on Equity (ROE) | 10.1653% | 2,048 |
| Retained earnings to average equity (ytd only) | 10.1653% | 536 |
| Net charge-offs to loans | 0.2690% | 2,357 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 2.0753% | 4,354 |
| Efficiency ratio | 93.2233% | 793 |
| Assets per employee ($millions) | 2.6348% | 6,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8506% | 556 |
| Loan loss allowance to noncurrent loans | 136.6137% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 1.5812% | 2,356 |
| Noncurrent loans to loans | 2.0866% | 1,898 |
| Net loans and leases to total assets | 66.0659% | 2,682 |
| Net loans and leases to deposits | 79.5196% | 2,517 |
| Net loans and leases to core deposits | 85.2318% | 2,539 |
| Total domestic deposits to total assets | 83.0813% | 4,520 |
| Equity capital to assets | 7.2953% | 6,367 |
| Core capital (leverage) ratio | 7.4889% | 6,375 |
| Tier 1 risk-based capital ratio | 10.1726% | 6,466 |
| Total risk-based capital ratio | 11.4401% | 6,417 |
| Memoranda: | ||
| Average total assets | $276,907,400 | 2,295 |
| Average earning assets | $247,584,400 | 2,350 |
| Average equity | $19,045,200 | 3,274 |
| Average total loans | $172,847,200 | 2,271 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1640% | 3,516 |
| Cost of funding earning assets | 0.6119% | 2,718 |
| Net interest margin | 3.5521% | 3,646 |
| Noninterest income to average assets | 1.8167% | 474 |
| Noninterest expense to average assets | 4.8668% | 373 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.0936% | 6,153 |
| Return on assets (ROA) | 0.0936% | 6,206 |
| Pretax return on assets | 0.1177% | 6,193 |
| Return on Equity (ROE) | 1.3823% | 6,100 |
| Retained earnings to average equity (ytd only) | 1.3823% | 5,429 |
| Net charge-offs to loans | 0.1511% | 3,032 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 1.2775% | 4,415 |
| Efficiency ratio | 97.6379% | 540 |
| Assets per employee ($millions) | 2.6409% | 6,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2060% | 454 |
| Loan loss allowance to noncurrent loans | 182.3661% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 1.3493% | 2,939 |
| Noncurrent loans to loans | 1.7580% | 2,559 |
| Net loans and leases to total assets | 61.3461% | 3,469 |
| Net loans and leases to deposits | 73.1639% | 3,367 |
| Net loans and leases to core deposits | 78.9405% | 3,237 |
| Total domestic deposits to total assets | 83.8476% | 4,257 |
| Equity capital to assets | 6.6537% | 6,618 |
| Core capital (leverage) ratio | 6.8560% | 6,616 |
| Tier 1 risk-based capital ratio | 10.0787% | 6,578 |
| Total risk-based capital ratio | 11.3504% | 6,542 |
| Memoranda: | ||
| Average total assets | $276,312,250 | 2,307 |
| Average earning assets | $246,423,750 | 2,376 |
| Average equity | $18,712,750 | 3,345 |
| Average total loans | $168,577,000 | 2,327 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1357% | 3,605 |
| Cost of funding earning assets | 0.6306% | 2,678 |
| Net interest margin | 3.5051% | 3,759 |
| Noninterest income to average assets | 1.8778% | 487 |
| Noninterest expense to average assets | 4.9087% | 383 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0807% | 6,177 |
| Return on assets (ROA) | 0.0807% | 6,260 |
| Pretax return on assets | 0.0807% | 6,261 |
| Return on Equity (ROE) | 1.1845% | 6,169 |
| Retained earnings to average equity (ytd only) | 1.1845% | 5,427 |
| Net charge-offs to loans | 0.2753% | 2,102 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.4868% | 4,373 |
| Efficiency ratio | 98.3826% | 549 |
| Assets per employee ($millions) | 2.5233% | 6,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3907% | 402 |
| Loan loss allowance to noncurrent loans | 179.9109% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 1.7646% | 2,467 |
| Noncurrent loans to loans | 1.8847% | 2,519 |
| Net loans and leases to total assets | 58.0084% | 3,983 |
| Net loans and leases to deposits | 69.8369% | 3,735 |
| Net loans and leases to core deposits | 75.7111% | 3,578 |
| Total domestic deposits to total assets | 83.0627% | 4,678 |
| Equity capital to assets | 6.7278% | 6,648 |
| Core capital (leverage) ratio | 7.0051% | 6,613 |
| Tier 1 risk-based capital ratio | 10.4853% | 6,507 |
| Total risk-based capital ratio | 11.7589% | 6,474 |
| Memoranda: | ||
| Average total assets | $275,105,330 | 2,325 |
| Average earning assets | $244,216,330 | 2,405 |
| Average equity | $18,741,670 | 3,365 |
| Average total loans | $165,630,670 | 2,359 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1764% | 3,396 |
| Cost of funding earning assets | 0.6619% | 2,550 |
| Net interest margin | 3.5146% | 3,637 |
| Noninterest income to average assets | 1.7117% | 538 |
| Noninterest expense to average assets | 5.0665% | 351 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.2527% | 6,546 |
| Return on assets (ROA) | -0.2527% | 6,578 |
| Pretax return on assets | -0.2527% | 6,569 |
| Return on Equity (ROE) | -3.6857% | 6,637 |
| Retained earnings to average equity (ytd only) | -3.6857% | 6,251 |
| Net charge-offs to loans | 0.9642% | 634 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.4347% | 3,919 |
| Efficiency ratio | 105.2488% | 409 |
| Assets per employee ($millions) | 2.6127% | 6,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2710% | 506 |
| Loan loss allowance to noncurrent loans | 128.5413% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 3.1819% | 1,371 |
| Noncurrent loans to loans | 2.5447% | 2,028 |
| Net loans and leases to total assets | 59.0825% | 3,589 |
| Net loans and leases to deposits | 69.6201% | 3,554 |
| Net loans and leases to core deposits | 75.7186% | 3,359 |
| Total domestic deposits to total assets | 84.8641% | 4,111 |
| Equity capital to assets | 6.8150% | 6,747 |
| Core capital (leverage) ratio | 6.9030% | 6,670 |
| Tier 1 risk-based capital ratio | 10.3728% | 6,614 |
| Total risk-based capital ratio | 11.6451% | 6,593 |
| Memoranda: | ||
| Average total assets | $273,875,500 | 2,356 |
| Average earning assets | $241,737,000 | 2,456 |
| Average equity | $18,775,500 | 3,408 |
| Average total loans | $165,115,000 | 2,377 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7379% | 2,435 |
| Cost of funding earning assets | 0.8496% | 2,291 |
| Net interest margin | 3.8883% | 2,881 |
| Noninterest income to average assets | 1.6105% | 613 |
| Noninterest expense to average assets | 5.2735% | 314 |
| Loan and lease loss provision to assets | 0.2708% | 2,483 |
| Net operating income to assets | -0.5594% | 6,599 |
| Return on assets (ROA) | -0.5006% | 6,608 |
| Pretax return on assets | -0.5006% | 6,573 |
| Return on Equity (ROE) | -6.7551% | 6,647 |
| Retained earnings to average equity (ytd only) | -6.7551% | 6,516 |
| Net charge-offs to loans | 0.9256% | 1,215 |
| Credit loss provision to net charge-offs | 47.5867% | 4,750 |
| Earnings coverage of net charge-offs (x) | -0.5071% | 5,677 |
| Efficiency ratio | 105.7892% | 413 |
| Assets per employee ($millions) | 2.5316% | 6,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6142% | 389 |
| Loan loss allowance to noncurrent loans | 132.8588% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 3.6263% | 1,236 |
| Noncurrent loans to loans | 2.7203% | 1,945 |
| Net loans and leases to total assets | 57.3434% | 4,077 |
| Net loans and leases to deposits | 66.9802% | 4,134 |
| Net loans and leases to core deposits | 71.8753% | 4,056 |
| Total domestic deposits to total assets | 85.6124% | 3,552 |
| Equity capital to assets | 6.8961% | 6,790 |
| Core capital (leverage) ratio | 7.1422% | 6,657 |
| Tier 1 risk-based capital ratio | 10.6141% | 6,509 |
| Total risk-based capital ratio | 11.8895% | 6,463 |
| Memoranda: | ||
| Average total assets | $258,497,800 | 2,452 |
| Average earning assets | $224,338,600 | 2,573 |
| Average equity | $19,156,000 | 3,313 |
| Average total loans | $158,928,800 | 2,446 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7949% | 2,410 |
| Cost of funding earning assets | 0.8839% | 2,282 |
| Net interest margin | 3.9110% | 2,878 |
| Noninterest income to average assets | 1.7830% | 500 |
| Noninterest expense to average assets | 5.3757% | 291 |
| Loan and lease loss provision to assets | 0.3663% | 1,776 |
| Net operating income to assets | -0.5440% | 6,718 |
| Return on assets (ROA) | -0.4684% | 6,720 |
| Pretax return on assets | -0.4940% | 6,704 |
| Return on Equity (ROE) | -6.2050% | 6,761 |
| Retained earnings to average equity (ytd only) | -6.2050% | 6,680 |
| Net charge-offs to loans | 1.0920% | 939 |
| Credit loss provision to net charge-offs | 54.0958% | 4,302 |
| Earnings coverage of net charge-offs (x) | -0.3060% | 5,449 |
| Efficiency ratio | 104.0097% | 419 |
| Assets per employee ($millions) | 2.4348% | 6,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8768% | 340 |
| Loan loss allowance to noncurrent loans | 128.8237% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 4.5227% | 1,021 |
| Noncurrent loans to loans | 3.0094% | 1,856 |
| Net loans and leases to total assets | 57.1024% | 4,282 |
| Net loans and leases to deposits | 67.3087% | 4,284 |
| Net loans and leases to core deposits | 72.5323% | 4,189 |
| Total domestic deposits to total assets | 84.8365% | 3,822 |
| Equity capital to assets | 7.3406% | 6,807 |
| Core capital (leverage) ratio | 7.4779% | 6,633 |
| Tier 1 risk-based capital ratio | 11.0713% | 6,450 |
| Total risk-based capital ratio | 12.3487% | 6,416 |
| Memoranda: | ||
| Average total assets | $254,768,250 | 2,508 |
| Average earning assets | $220,533,000 | 2,631 |
| Average equity | $19,231,250 | 3,328 |
| Average total loans | $157,994,750 | 2,479 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7872% | 2,562 |
| Cost of funding earning assets | 0.9160% | 2,287 |
| Net interest margin | 3.8712% | 3,037 |
| Noninterest income to average assets | 1.7966% | 481 |
| Noninterest expense to average assets | 5.4349% | 287 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.2482% | 6,577 |
| Return on assets (ROA) | -0.1857% | 6,606 |
| Pretax return on assets | -0.2254% | 6,601 |
| Return on Equity (ROE) | -2.4366% | 6,641 |
| Retained earnings to average equity (ytd only) | -2.4366% | 6,405 |
| Net charge-offs to loans | 0.1160% | 4,008 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -4.1304% | 5,436 |
| Efficiency ratio | 105.8742% | 400 |
| Assets per employee ($millions) | 2.1891% | 6,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1177% | 321 |
| Loan loss allowance to noncurrent loans | 73.2901% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 5.6691% | 772 |
| Noncurrent loans to loans | 5.6183% | 822 |
| Net loans and leases to total assets | 60.1352% | 3,789 |
| Net loans and leases to deposits | 71.3013% | 3,724 |
| Net loans and leases to core deposits | 77.0561% | 3,649 |
| Total domestic deposits to total assets | 84.3395% | 4,170 |
| Equity capital to assets | 7.5168% | 6,792 |
| Core capital (leverage) ratio | 7.6549% | 6,539 |
| Tier 1 risk-based capital ratio | 10.8895% | 6,547 |
| Total risk-based capital ratio | 12.1708% | 6,516 |
| Memoranda: | ||
| Average total assets | $252,037,330 | 2,531 |
| Average earning assets | $217,246,000 | 2,677 |
| Average equity | $19,207,330 | 3,323 |
| Average total loans | $158,588,670 | 2,482 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8960% | 2,256 |
| Cost of funding earning assets | 0.9531% | 2,283 |
| Net interest margin | 3.9429% | 2,757 |
| Noninterest income to average assets | 1.7667% | 492 |
| Noninterest expense to average assets | 5.4722% | 273 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.1966% | 6,633 |
| Return on assets (ROA) | -0.0988% | 6,619 |
| Pretax return on assets | -0.1784% | 6,649 |
| Return on Equity (ROE) | -1.2872% | 6,642 |
| Retained earnings to average equity (ytd only) | -1.2872% | 6,191 |
| Net charge-offs to loans | 0.1011% | 3,529 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -5.2000% | 4,665 |
| Efficiency ratio | 106.4456% | 402 |
| Assets per employee ($millions) | 2.2619% | 7,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2143% | 313 |
| Loan loss allowance to noncurrent loans | 66.5861% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 7.7345% | 511 |
| Noncurrent loans to loans | 6.3291% | 761 |
| Net loans and leases to total assets | 60.3833% | 3,577 |
| Net loans and leases to deposits | 71.3591% | 3,534 |
| Net loans and leases to core deposits | 77.6340% | 3,380 |
| Total domestic deposits to total assets | 84.6190% | 4,205 |
| Equity capital to assets | 7.7241% | 6,677 |
| Core capital (leverage) ratio | 7.7826% | 6,428 |
| Tier 1 risk-based capital ratio | 11.0432% | 6,517 |
| Total risk-based capital ratio | 12.3251% | 6,488 |
| Memoranda: | ||
| Average total assets | $251,087,000 | 2,555 |
| Average earning assets | $214,868,000 | 2,711 |
| Average equity | $19,267,000 | 3,315 |
| Average total loans | $158,251,000 | 2,504 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6204% | 4,589 |
| Cost of funding earning assets | 1.1961% | 2,057 |
| Net interest margin | 3.4243% | 5,406 |
| Noninterest income to average assets | 0.6746% | 2,758 |
| Noninterest expense to average assets | 4.8308% | 444 |
| Loan and lease loss provision to assets | 0.4621% | 2,298 |
| Net operating income to assets | -1.6438% | 6,946 |
| Return on assets (ROA) | -1.3731% | 6,897 |
| Pretax return on assets | -1.4506% | 6,887 |
| Return on Equity (ROE) | -20.0265% | 6,987 |
| Retained earnings to average equity (ytd only) | -20.0265% | 6,971 |
| Net charge-offs to loans | 1.8740% | 768 |
| Credit loss provision to net charge-offs | 42.1985% | 5,591 |
| Earnings coverage of net charge-offs (x) | -1.1630% | 6,217 |
| Efficiency ratio | 135.8017% | 201 |
| Assets per employee ($millions) | 2.3033% | 7,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1653% | 336 |
| Loan loss allowance to noncurrent loans | 94.0062% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 6.9883% | 653 |
| Noncurrent loans to loans | 4.4308% | 1,352 |
| Net loans and leases to total assets | 60.3883% | 3,922 |
| Net loans and leases to deposits | 71.0936% | 3,937 |
| Net loans and leases to core deposits | 77.3693% | 3,766 |
| Total domestic deposits to total assets | 84.9420% | 3,884 |
| Equity capital to assets | 7.6237% | 6,759 |
| Core capital (leverage) ratio | 7.5989% | 6,605 |
| Tier 1 risk-based capital ratio | 10.8208% | 6,545 |
| Total risk-based capital ratio | 12.1016% | 6,513 |
| Memoranda: | ||
| Average total assets | $273,331,600 | 2,315 |
| Average earning assets | $230,088,400 | 2,506 |
| Average equity | $18,740,200 | 3,318 |
| Average total loans | $159,711,400 | 2,501 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5669% | 5,007 |
| Cost of funding earning assets | 1.2371% | 2,080 |
| Net interest margin | 3.3299% | 5,770 |
| Noninterest income to average assets | 0.3147% | 5,349 |
| Noninterest expense to average assets | 4.7771% | 450 |
| Loan and lease loss provision to assets | 0.5270% | 1,873 |
| Net operating income to assets | -2.1025% | 7,153 |
| Return on assets (ROA) | -1.7442% | 7,103 |
| Pretax return on assets | -1.8218% | 7,087 |
| Return on Equity (ROE) | -26.1050% | 7,173 |
| Retained earnings to average equity (ytd only) | -26.1050% | 7,164 |
| Net charge-offs to loans | 1.9308% | 673 |
| Credit loss provision to net charge-offs | 47.5573% | 5,085 |
| Earnings coverage of net charge-offs (x) | -1.5054% | 5,984 |
| Efficiency ratio | 153.6518% | 123 |
| Assets per employee ($millions) | 2.5080% | 6,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6198% | 243 |
| Loan loss allowance to noncurrent loans | 72.4013% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 9.0309% | 443 |
| Noncurrent loans to loans | 6.3808% | 839 |
| Net loans and leases to total assets | 56.7289% | 4,726 |
| Net loans and leases to deposits | 67.4775% | 4,696 |
| Net loans and leases to core deposits | 74.0509% | 4,436 |
| Total domestic deposits to total assets | 84.0709% | 4,194 |
| Equity capital to assets | 7.0649% | 7,044 |
| Core capital (leverage) ratio | 6.9084% | 6,983 |
| Tier 1 risk-based capital ratio | 10.4409% | 6,801 |
| Total risk-based capital ratio | 11.7260% | 6,772 |
| Memoranda: | ||
| Average total assets | $278,322,750 | 2,287 |
| Average earning assets | $233,556,750 | 2,476 |
| Average equity | $18,596,250 | 3,340 |
| Average total loans | $159,725,750 | 2,520 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5454% | 5,190 |
| Cost of funding earning assets | 1.2503% | 2,249 |
| Net interest margin | 3.2951% | 5,873 |
| Noninterest income to average assets | 0.2224% | 6,080 |
| Noninterest expense to average assets | 4.6855% | 494 |
| Loan and lease loss provision to assets | 0.5983% | 1,616 |
| Net operating income to assets | -2.1799% | 7,220 |
| Return on assets (ROA) | -2.0215% | 7,197 |
| Pretax return on assets | -2.1362% | 7,191 |
| Return on Equity (ROE) | -30.7951% | 7,254 |
| Retained earnings to average equity (ytd only) | -30.7951% | 7,247 |
| Net charge-offs to loans | 1.9398% | 701 |
| Credit loss provision to net charge-offs | 54.3478% | 4,474 |
| Earnings coverage of net charge-offs (x) | -1.5486% | 5,686 |
| Efficiency ratio | 157.1901% | 125 |
| Assets per employee ($millions) | 2.6511% | 6,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0214% | 185 |
| Loan loss allowance to noncurrent loans | 55.3422% | 4,707 |
| Noncurrent assets plus other real estate owned to assets | 11.6747% | 275 |
| Noncurrent loans to loans | 9.0734% | 455 |
| Net loans and leases to total assets | 53.1003% | 5,417 |
| Net loans and leases to deposits | 63.6051% | 5,327 |
| Net loans and leases to core deposits | 71.6481% | 4,858 |
| Total domestic deposits to total assets | 83.4843% | 4,553 |
| Equity capital to assets | 7.1898% | 7,059 |
| Core capital (leverage) ratio | 6.9048% | 7,028 |
| Tier 1 risk-based capital ratio | 10.7029% | 6,713 |
| Total risk-based capital ratio | 11.9912% | 6,673 |
| Memoranda: | ||
| Average total assets | $284,151,330 | 2,254 |
| Average earning assets | $237,867,330 | 2,447 |
| Average equity | $18,652,330 | 3,311 |
| Average total loans | $161,255,330 | 2,521 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3865% | 5,739 |
| Cost of funding earning assets | 1.2509% | 2,497 |
| Net interest margin | 3.1356% | 6,253 |
| Noninterest income to average assets | -0.7014% | 7,517 |
| Noninterest expense to average assets | 4.4834% | 600 |
| Loan and lease loss provision to assets | 0.5868% | 1,469 |
| Net operating income to assets | -2.9231% | 7,387 |
| Return on assets (ROA) | -2.9231% | 7,392 |
| Pretax return on assets | -3.1482% | 7,390 |
| Return on Equity (ROE) | -46.6248% | 7,398 |
| Retained earnings to average equity (ytd only) | -46.6248% | 7,384 |
| Net charge-offs to loans | 1.2757% | 1,084 |
| Credit loss provision to net charge-offs | 80.4924% | 3,146 |
| Earnings coverage of net charge-offs (x) | -3.5133% | 4,999 |
| Efficiency ratio | 233.2615% | 47 |
| Assets per employee ($millions) | 2.6311% | 6,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1872% | 171 |
| Loan loss allowance to noncurrent loans | 57.9297% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 12.0466% | 265 |
| Noncurrent loans to loans | 8.9543% | 502 |
| Net loans and leases to total assets | 55.2880% | 5,115 |
| Net loans and leases to deposits | 63.7669% | 5,282 |
| Net loans and leases to core deposits | 71.5409% | 4,851 |
| Total domestic deposits to total assets | 86.7032% | 3,119 |
| Equity capital to assets | 6.2575% | 7,255 |
| Core capital (leverage) ratio | 5.9780% | 7,254 |
| Tier 1 risk-based capital ratio | 9.0485% | 7,216 |
| Total risk-based capital ratio | 10.3383% | 7,219 |
| Memoranda: | ||
| Average total assets | $289,693,000 | 2,230 |
| Average earning assets | $242,381,000 | 2,424 |
| Average equity | $18,162,000 | 3,376 |
| Average total loans | $165,550,000 | 2,494 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7350% | 5,672 |
| Cost of funding earning assets | 1.5422% | 2,393 |
| Net interest margin | 3.1928% | 6,285 |
| Noninterest income to average assets | -0.1756% | 7,459 |
| Noninterest expense to average assets | 4.5636% | 610 |
| Loan and lease loss provision to assets | 3.0303% | 310 |
| Net operating income to assets | -5.0983% | 7,540 |
| Return on assets (ROA) | -4.9295% | 7,535 |
| Pretax return on assets | -4.9448% | 7,535 |
| Return on Equity (ROE) | -76.0939% | 7,538 |
| Retained earnings to average equity (ytd only) | -76.0939% | 7,536 |
| Net charge-offs to loans | 4.9283% | 183 |
| Credit loss provision to net charge-offs | 102.0045% | 4,441 |
| Earnings coverage of net charge-offs (x) | -0.7013% | 6,526 |
| Efficiency ratio | 183.9975% | 110 |
| Assets per employee ($millions) | 2.9684% | 6,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8853% | 205 |
| Loan loss allowance to noncurrent loans | 60.1363% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 12.2948% | 263 |
| Noncurrent loans to loans | 8.1238% | 629 |
| Net loans and leases to total assets | 53.3622% | 5,724 |
| Net loans and leases to deposits | 61.3610% | 5,917 |
| Net loans and leases to core deposits | 68.8222% | 5,572 |
| Total domestic deposits to total assets | 86.9644% | 2,839 |
| Equity capital to assets | 6.2800% | 7,297 |
| Core capital (leverage) ratio | 6.1800% | 7,265 |
| Tier 1 risk-based capital ratio | 9.5615% | 7,122 |
| Total risk-based capital ratio | 10.8487% | 7,116 |
| Memoranda: | ||
| Average total assets | $325,776,600 | 1,995 |
| Average earning assets | $270,984,400 | 2,173 |
| Average equity | $21,104,200 | 2,992 |
| Average total loans | $196,374,600 | 2,192 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8214% | 5,572 |
| Cost of funding earning assets | 1.6130% | 2,319 |
| Net interest margin | 3.2084% | 6,311 |
| Noninterest income to average assets | -0.1306% | 7,558 |
| Noninterest expense to average assets | 4.4802% | 615 |
| Loan and lease loss provision to assets | 2.8796% | 315 |
| Net operating income to assets | -4.8276% | 7,631 |
| Return on assets (ROA) | -4.7216% | 7,634 |
| Pretax return on assets | -4.7216% | 7,615 |
| Return on Equity (ROE) | -72.3739% | 7,642 |
| Retained earnings to average equity (ytd only) | -72.3739% | 7,641 |
| Net charge-offs to loans | 5.7061% | 123 |
| Credit loss provision to net charge-offs | 82.3991% | 5,056 |
| Earnings coverage of net charge-offs (x) | -0.5574% | 6,346 |
| Efficiency ratio | 176.9341% | 121 |
| Assets per employee ($millions) | 2.9881% | 6,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6363% | 487 |
| Loan loss allowance to noncurrent loans | 38.4393% | 5,749 |
| Noncurrent assets plus other real estate owned to assets | 13.0645% | 226 |
| Noncurrent loans to loans | 9.4599% | 478 |
| Net loans and leases to total assets | 56.7928% | 5,443 |
| Net loans and leases to deposits | 66.5495% | 5,596 |
| Net loans and leases to core deposits | 74.6674% | 5,207 |
| Total domestic deposits to total assets | 85.3391% | 3,441 |
| Equity capital to assets | 6.7308% | 7,393 |
| Core capital (leverage) ratio | 6.4207% | 7,353 |
| Tier 1 risk-based capital ratio | 9.5578% | 7,240 |
| Total risk-based capital ratio | 10.8312% | 7,224 |
| Memoranda: | ||
| Average total assets | $330,783,750 | 1,990 |
| Average earning assets | $274,518,500 | 2,182 |
| Average equity | $21,580,000 | 2,973 |
| Average total loans | $202,584,750 | 2,165 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8394% | 5,648 |
| Cost of funding earning assets | 1.6678% | 2,301 |
| Net interest margin | 3.1716% | 6,400 |
| Noninterest income to average assets | 0.4635% | 4,411 |
| Noninterest expense to average assets | 4.3549% | 674 |
| Loan and lease loss provision to assets | 4.2340% | 169 |
| Net operating income to assets | -5.4994% | 7,715 |
| Return on assets (ROA) | -5.4342% | 7,714 |
| Pretax return on assets | -5.4342% | 7,697 |
| Return on Equity (ROE) | -84.1154% | 7,709 |
| Retained earnings to average equity (ytd only) | -84.1154% | 7,707 |
| Net charge-offs to loans | 5.6165% | 158 |
| Credit loss provision to net charge-offs | 121.6828% | 3,329 |
| Earnings coverage of net charge-offs (x) | -0.3637% | 5,960 |
| Efficiency ratio | 140.9553% | 250 |
| Assets per employee ($millions) | 2.9711% | 6,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8586% | 191 |
| Loan loss allowance to noncurrent loans | 43.0013% | 5,454 |
| Noncurrent assets plus other real estate owned to assets | 14.3995% | 165 |
| Noncurrent loans to loans | 11.2988% | 341 |
| Net loans and leases to total assets | 56.6745% | 5,601 |
| Net loans and leases to deposits | 64.1564% | 6,023 |
| Net loans and leases to core deposits | 73.2171% | 5,533 |
| Total domestic deposits to total assets | 88.3381% | 1,808 |
| Equity capital to assets | 6.3640% | 7,490 |
| Core capital (leverage) ratio | 6.0348% | 7,477 |
| Tier 1 risk-based capital ratio | 8.8339% | 7,443 |
| Total risk-based capital ratio | 10.1207% | 7,451 |
| Memoranda: | ||
| Average total assets | $337,456,670 | 1,971 |
| Average earning assets | $279,417,670 | 2,163 |
| Average equity | $21,801,000 | 2,937 |
| Average total loans | $209,062,330 | 2,135 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8140% | 5,843 |
| Cost of funding earning assets | 1.6883% | 2,447 |
| Net interest margin | 3.1256% | 6,532 |
| Noninterest income to average assets | 0.4668% | 4,326 |
| Noninterest expense to average assets | 4.1357% | 865 |
| Loan and lease loss provision to assets | 8.3367% | 52 |
| Net operating income to assets | -9.4196% | 7,891 |
| Return on assets (ROA) | -9.4196% | 7,892 |
| Pretax return on assets | -9.4196% | 7,888 |
| Return on Equity (ROE) | -144.7763% | 7,866 |
| Retained earnings to average equity (ytd only) | -144.7763% | 7,864 |
| Net charge-offs to loans | 0.9970% | 1,646 |
| Credit loss provision to net charge-offs | 1,325.4174% | 370 |
| Earnings coverage of net charge-offs (x) | -1.7217% | 5,449 |
| Efficiency ratio | 135.4740% | 288 |
| Assets per employee ($millions) | 3.2439% | 5,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9772% | 59 |
| Loan loss allowance to noncurrent loans | 99.3218% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 11.6522% | 287 |
| Noncurrent loans to loans | 7.0248% | 844 |
| Net loans and leases to total assets | 56.2874% | 5,698 |
| Net loans and leases to deposits | 63.0828% | 6,161 |
| Net loans and leases to core deposits | 73.4251% | 5,557 |
| Total domestic deposits to total assets | 89.2278% | 1,404 |
| Equity capital to assets | 5.2234% | 7,703 |
| Core capital (leverage) ratio | 5.2927% | 7,677 |
| Tier 1 risk-based capital ratio | 7.6208% | 7,649 |
| Total risk-based capital ratio | 8.9330% | 7,655 |
| Memoranda: | ||
| Average total assets | $342,773,000 | 1,999 |
| Average earning assets | $283,591,500 | 2,185 |
| Average equity | $22,302,000 | 2,908 |
| Average total loans | $216,251,000 | 2,112 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1967% | 5,667 |
| Cost of funding earning assets | 1.9453% | 3,233 |
| Net interest margin | 3.2514% | 5,921 |
| Noninterest income to average assets | -0.0047% | 7,718 |
| Noninterest expense to average assets | 4.1704% | 1,131 |
| Loan and lease loss provision to assets | 1.3804% | 1,661 |
| Net operating income to assets | -2.9971% | 7,389 |
| Return on assets (ROA) | -2.6712% | 7,322 |
| Pretax return on assets | -2.5603% | 7,160 |
| Return on Equity (ROE) | -31.7106% | 7,435 |
| Retained earnings to average equity (ytd only) | -31.7106% | 7,420 |
| Net charge-offs to loans | 3.5083% | 548 |
| Credit loss provision to net charge-offs | 58.5890% | 6,661 |
| Earnings coverage of net charge-offs (x) | -0.6391% | 6,772 |
| Efficiency ratio | 156.5101% | 270 |
| Assets per employee ($millions) | 3.0473% | 6,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7123% | 441 |
| Loan loss allowance to noncurrent loans | 59.5216% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 12.6217% | 224 |
| Noncurrent loans to loans | 6.2369% | 988 |
| Net loans and leases to total assets | 63.3426% | 4,742 |
| Net loans and leases to deposits | 73.7988% | 5,076 |
| Net loans and leases to core deposits | 113.6844% | 2,530 |
| Total domestic deposits to total assets | 85.8315% | 3,095 |
| Equity capital to assets | 7.8472% | 6,722 |
| Core capital (leverage) ratio | 7.5368% | 6,755 |
| Tier 1 risk-based capital ratio | 10.2077% | 6,673 |
| Total risk-based capital ratio | 11.4819% | 6,623 |
| Memoranda: | ||
| Average total assets | $365,190,200 | 1,860 |
| Average earning assets | $299,805,000 | 2,074 |
| Average equity | $30,762,600 | 2,180 |
| Average total loans | $245,248,400 | 1,921 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1769% | 5,978 |
| Cost of funding earning assets | 1.9887% | 3,420 |
| Net interest margin | 3.1882% | 6,064 |
| Noninterest income to average assets | 0.1037% | 7,387 |
| Noninterest expense to average assets | 3.9049% | 1,420 |
| Loan and lease loss provision to assets | 1.1595% | 1,675 |
| Net operating income to assets | -1.3218% | 7,022 |
| Return on assets (ROA) | -1.0722% | 6,884 |
| Pretax return on assets | -1.9519% | 7,155 |
| Return on Equity (ROE) | -12.5353% | 7,048 |
| Retained earnings to average equity (ytd only) | -12.5353% | 6,978 |
| Net charge-offs to loans | 3.5189% | 425 |
| Credit loss provision to net charge-offs | 48.8397% | 6,327 |
| Earnings coverage of net charge-offs (x) | -0.4980% | 6,475 |
| Efficiency ratio | 143.4297% | 353 |
| Assets per employee ($millions) | 3.2899% | 5,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6537% | 372 |
| Loan loss allowance to noncurrent loans | 67.4580% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 12.4649% | 205 |
| Noncurrent loans to loans | 5.4163% | 1,159 |
| Net loans and leases to total assets | 61.4300% | 5,338 |
| Net loans and leases to deposits | 71.9646% | 5,660 |
| Net loans and leases to core deposits | 108.8665% | 3,362 |
| Total domestic deposits to total assets | 85.3614% | 3,046 |
| Equity capital to assets | 8.7931% | 5,808 |
| Core capital (leverage) ratio | 7.1996% | 7,268 |
| Tier 1 risk-based capital ratio | 9.4987% | 7,372 |
| Total risk-based capital ratio | 10.7716% | 7,325 |
| Memoranda: | ||
| Average total assets | $372,687,500 | 1,846 |
| Average earning assets | $306,122,500 | 2,053 |
| Average equity | $31,877,250 | 2,120 |
| Average total loans | $251,432,750 | 1,906 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1701% | 6,191 |
| Cost of funding earning assets | 2.0044% | 3,752 |
| Net interest margin | 3.1657% | 6,040 |
| Noninterest income to average assets | 0.3339% | 5,840 |
| Noninterest expense to average assets | 3.8672% | 1,543 |
| Loan and lease loss provision to assets | 1.6646% | 1,003 |
| Net operating income to assets | -1.4172% | 7,206 |
| Return on assets (ROA) | -1.2740% | 7,156 |
| Pretax return on assets | -2.3679% | 7,385 |
| Return on Equity (ROE) | -15.0286% | 7,329 |
| Retained earnings to average equity (ytd only) | -15.0286% | 7,238 |
| Net charge-offs to loans | 4.4242% | 297 |
| Credit loss provision to net charge-offs | 54.8168% | 5,683 |
| Earnings coverage of net charge-offs (x) | -0.3052% | 5,957 |
| Efficiency ratio | 131.5249% | 513 |
| Assets per employee ($millions) | 3.0908% | 5,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7641% | 307 |
| Loan loss allowance to noncurrent loans | 78.5524% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 11.9140% | 187 |
| Noncurrent loans to loans | 4.7919% | 1,303 |
| Net loans and leases to total assets | 65.3194% | 4,702 |
| Net loans and leases to deposits | 76.8236% | 5,054 |
| Net loans and leases to core deposits | 111.8397% | 3,150 |
| Total domestic deposits to total assets | 85.0252% | 3,248 |
| Equity capital to assets | 8.8911% | 5,466 |
| Core capital (leverage) ratio | 7.4161% | 7,119 |
| Tier 1 risk-based capital ratio | 8.9833% | 7,704 |
| Total risk-based capital ratio | 10.2565% | 7,708 |
| Memoranda: | ||
| Average total assets | $377,383,330 | 1,841 |
| Average earning assets | $310,710,000 | 2,052 |
| Average equity | $31,992,330 | 2,113 |
| Average total loans | $259,029,670 | 1,894 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8610% | 7,262 |
| Cost of funding earning assets | 2.0402% | 3,922 |
| Net interest margin | 2.8208% | 6,950 |
| Noninterest income to average assets | 0.7994% | 2,327 |
| Noninterest expense to average assets | 3.6018% | 1,863 |
| Loan and lease loss provision to assets | 1.8614% | 659 |
| Net operating income to assets | -1.1220% | 7,317 |
| Return on assets (ROA) | -1.1220% | 7,327 |
| Pretax return on assets | -2.3060% | 7,615 |
| Return on Equity (ROE) | -13.5413% | 7,543 |
| Retained earnings to average equity (ytd only) | -13.5413% | 7,355 |
| Net charge-offs to loans | 4.8728% | 224 |
| Credit loss provision to net charge-offs | 55.3676% | 4,596 |
| Earnings coverage of net charge-offs (x) | -0.1323% | 5,101 |
| Efficiency ratio | 114.0845% | 730 |
| Assets per employee ($millions) | 3.1101% | 5,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8909% | 241 |
| Loan loss allowance to noncurrent loans | 47.5439% | 5,359 |
| Noncurrent assets plus other real estate owned to assets | 11.9724% | 144 |
| Noncurrent loans to loans | 8.1839% | 429 |
| Net loans and leases to total assets | 67.0392% | 4,333 |
| Net loans and leases to deposits | 82.1276% | 4,261 |
| Net loans and leases to core deposits | 110.9082% | 3,322 |
| Total domestic deposits to total assets | 81.6281% | 4,708 |
| Equity capital to assets | 8.3119% | 6,372 |
| Core capital (leverage) ratio | 7.9536% | 6,540 |
| Tier 1 risk-based capital ratio | 9.4854% | 7,435 |
| Total risk-based capital ratio | 10.7609% | 7,365 |
| Memoranda: | ||
| Average total assets | $386,810,500 | 1,817 |
| Average earning assets | $323,308,000 | 1,963 |
| Average equity | $32,050,000 | 2,115 |
| Average total loans | $266,870,000 | 1,863 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5087% | 2,916 |
| Cost of funding earning assets | 2.8153% | 2,647 |
| Net interest margin | 3.6934% | 4,501 |
| Noninterest income to average assets | 0.4370% | 5,152 |
| Noninterest expense to average assets | 3.8340% | 1,690 |
| Loan and lease loss provision to assets | 4.6659% | 125 |
| Net operating income to assets | -3.0269% | 7,831 |
| Return on assets (ROA) | -3.0269% | 7,802 |
| Pretax return on assets | -4.8572% | 8,006 |
| Return on Equity (ROE) | -32.9330% | 8,001 |
| Retained earnings to average equity (ytd only) | -33.2307% | 7,963 |
| Net charge-offs to loans | 3.4657% | 230 |
| Credit loss provision to net charge-offs | 177.2718% | 2,856 |
| Earnings coverage of net charge-offs (x) | -0.0727% | 6,300 |
| Efficiency ratio | 105.2513% | 828 |
| Assets per employee ($millions) | 3.1789% | 5,541 |
| Cash dividends to net income (ytd only)* | -0.9041% | 7,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3665% | 147 |
| Loan loss allowance to noncurrent loans | 53.7810% | 5,291 |
| Noncurrent assets plus other real estate owned to assets | 10.3524% | 145 |
| Noncurrent loans to loans | 8.1190% | 327 |
| Net loans and leases to total assets | 65.2796% | 4,992 |
| Net loans and leases to deposits | 78.2490% | 5,302 |
| Net loans and leases to core deposits | 103.7747% | 4,414 |
| Total domestic deposits to total assets | 83.4255% | 3,602 |
| Equity capital to assets | 8.2605% | 6,469 |
| Core capital (leverage) ratio | 8.3336% | 5,887 |
| Tier 1 risk-based capital ratio | 9.6172% | 7,190 |
| Total risk-based capital ratio | 10.8973% | 7,040 |
| Memoranda: | ||
| Average total assets | $365,418,000 | 1,835 |
| Average earning assets | $317,158,400 | 1,922 |
| Average equity | $33,586,400 | 2,017 |
| Average total loans | $277,522,400 | 1,732 |