Home > Highlands Union Bank > Performance and Condition Ratios
Highlands Union Bank, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6635% | 2,519 |
| Cost of funding earning assets | 0.8416% | 2,504 |
| Net interest margin | 3.8219% | 2,523 |
| Noninterest income to average assets | 0.5834% | 2,291 |
| Noninterest expense to average assets | 3.0203% | 1,918 |
| Loan and lease loss provision to assets | 0.3316% | 417 |
| Net operating income to assets | 0.5557% | 4,393 |
| Return on assets (ROA) | 0.5593% | 4,441 |
| Pretax return on assets | 0.6902% | 4,368 |
| Return on Equity (ROE) | 5.6860% | 4,133 |
| Retained earnings to average equity (ytd only) | 5.6860% | 2,515 |
| Net charge-offs to loans | 0.5017% | 339 |
| Credit loss provision to net charge-offs | 87.8842% | 2,417 |
| Earnings coverage of net charge-offs (x) | 2.6962% | 3,174 |
| Efficiency ratio | 74.8039% | 1,465 |
| Assets per employee ($millions) | 4.2930% | 3,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9191% | 3,967 |
| Loan loss allowance to noncurrent loans | 77.8338% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 1.4652% | 777 |
| Noncurrent loans to loans | 1.1809% | 1,333 |
| Net loans and leases to total assets | 78.1040% | 1,123 |
| Net loans and leases to deposits | 87.8953% | 1,945 |
| Net loans and leases to core deposits | 90.9360% | 2,472 |
| Total domestic deposits to total assets | 88.8602% | 668 |
| Equity capital to assets | 10.6005% | 3,472 |
| Core capital (leverage) ratio | 9.8112% | 3,840 |
| Tier 1 risk-based capital ratio | 13.1182% | 3,788 |
| Total risk-based capital ratio | 14.0795% | 3,837 |
| Memoranda: | ||
| Average total assets | $597,888,750 | 1,228 |
| Average earning assets | $540,376,250 | 1,257 |
| Average equity | $58,809,250 | 1,391 |
| Average total loans | $449,676,750 | 1,162 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5766% | 2,746 |
| Cost of funding earning assets | 0.8508% | 2,391 |
| Net interest margin | 3.7259% | 2,851 |
| Noninterest income to average assets | 0.5130% | 2,601 |
| Noninterest expense to average assets | 2.9599% | 2,108 |
| Loan and lease loss provision to assets | 0.2557% | 598 |
| Net operating income to assets | 0.5456% | 4,434 |
| Return on assets (ROA) | 0.5434% | 4,470 |
| Pretax return on assets | 0.6613% | 4,420 |
| Return on Equity (ROE) | 5.6641% | 4,156 |
| Retained earnings to average equity (ytd only) | 5.6641% | 2,440 |
| Net charge-offs to loans | 0.4032% | 416 |
| Credit loss provision to net charge-offs | 85.6195% | 2,178 |
| Earnings coverage of net charge-offs (x) | 3.0796% | 2,878 |
| Efficiency ratio | 76.2943% | 1,353 |
| Assets per employee ($millions) | 4.4656% | 3,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9378% | 3,926 |
| Loan loss allowance to noncurrent loans | 78.0968% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 1.4572% | 784 |
| Noncurrent loans to loans | 1.2008% | 1,336 |
| Net loans and leases to total assets | 73.2632% | 2,010 |
| Net loans and leases to deposits | 86.2925% | 2,222 |
| Net loans and leases to core deposits | 89.5330% | 2,635 |
| Total domestic deposits to total assets | 84.9010% | 2,523 |
| Equity capital to assets | 9.7592% | 4,182 |
| Core capital (leverage) ratio | 9.1869% | 4,474 |
| Tier 1 risk-based capital ratio | 12.8902% | 3,898 |
| Total risk-based capital ratio | 13.8698% | 3,955 |
| Memoranda: | ||
| Average total assets | $605,430,330 | 1,219 |
| Average earning assets | $547,040,330 | 1,242 |
| Average equity | $58,085,330 | 1,400 |
| Average total loans | $448,411,670 | 1,167 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5628% | 2,655 |
| Cost of funding earning assets | 0.8072% | 2,495 |
| Net interest margin | 3.7556% | 2,687 |
| Noninterest income to average assets | 0.5699% | 2,184 |
| Noninterest expense to average assets | 2.9908% | 2,015 |
| Loan and lease loss provision to assets | 0.0684% | 2,298 |
| Net operating income to assets | 0.7133% | 3,891 |
| Return on assets (ROA) | 0.7133% | 3,936 |
| Pretax return on assets | 0.9006% | 3,766 |
| Return on Equity (ROE) | 7.5006% | 3,458 |
| Retained earnings to average equity (ytd only) | 7.5006% | 1,847 |
| Net charge-offs to loans | 0.3405% | 454 |
| Credit loss provision to net charge-offs | 27.1053% | 2,102 |
| Earnings coverage of net charge-offs (x) | 3.8395% | 2,374 |
| Efficiency ratio | 75.5283% | 1,554 |
| Assets per employee ($millions) | 4.3756% | 3,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9226% | 4,064 |
| Loan loss allowance to noncurrent loans | 73.0385% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 1.4845% | 812 |
| Noncurrent loans to loans | 1.2632% | 1,303 |
| Net loans and leases to total assets | 71.8059% | 2,199 |
| Net loans and leases to deposits | 84.3011% | 2,350 |
| Net loans and leases to core deposits | 87.0346% | 2,776 |
| Total domestic deposits to total assets | 85.1779% | 2,610 |
| Equity capital to assets | 9.5065% | 4,253 |
| Core capital (leverage) ratio | 9.2165% | 4,454 |
| Tier 1 risk-based capital ratio | 12.9421% | 3,904 |
| Total risk-based capital ratio | 13.9029% | 3,953 |
| Memoranda: | ||
| Average total assets | $602,254,500 | 1,220 |
| Average earning assets | $543,617,500 | 1,248 |
| Average equity | $57,275,500 | 1,412 |
| Average total loans | $446,390,500 | 1,178 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4853% | 2,500 |
| Cost of funding earning assets | 0.6384% | 2,471 |
| Net interest margin | 3.8469% | 2,513 |
| Noninterest income to average assets | 0.6532% | 2,036 |
| Noninterest expense to average assets | 3.1963% | 1,561 |
| Loan and lease loss provision to assets | 0.1247% | 1,767 |
| Net operating income to assets | 0.6400% | 4,318 |
| Return on assets (ROA) | 0.6400% | 4,320 |
| Pretax return on assets | 0.8003% | 4,166 |
| Return on Equity (ROE) | 6.9874% | 3,826 |
| Retained earnings to average equity (ytd only) | 6.9874% | 1,677 |
| Net charge-offs to loans | 0.0720% | 2,088 |
| Credit loss provision to net charge-offs | 231.3480% | 1,275 |
| Earnings coverage of net charge-offs (x) | 17.1661% | 2,207 |
| Efficiency ratio | 77.5555% | 1,177 |
| Assets per employee ($millions) | 4.1685% | 3,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9743% | 3,843 |
| Loan loss allowance to noncurrent loans | 72.5448% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 1.5301% | 762 |
| Noncurrent loans to loans | 1.3431% | 1,167 |
| Net loans and leases to total assets | 75.0839% | 1,759 |
| Net loans and leases to deposits | 88.2562% | 2,016 |
| Net loans and leases to core deposits | 90.7612% | 2,507 |
| Total domestic deposits to total assets | 85.0749% | 2,614 |
| Equity capital to assets | 9.5139% | 4,117 |
| Core capital (leverage) ratio | 9.1360% | 4,528 |
| Tier 1 risk-based capital ratio | 12.3089% | 4,233 |
| Total risk-based capital ratio | 13.3004% | 4,278 |
| Memoranda: | ||
| Average total assets | $592,005,400 | 1,219 |
| Average earning assets | $533,699,600 | 1,242 |
| Average equity | $54,226,400 | 1,423 |
| Average total loans | $442,994,000 | 1,158 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4067% | 2,606 |
| Cost of funding earning assets | 0.6005% | 2,475 |
| Net interest margin | 3.8063% | 2,622 |
| Noninterest income to average assets | 0.6198% | 2,207 |
| Noninterest expense to average assets | 3.1421% | 1,665 |
| Loan and lease loss provision to assets | 0.1221% | 1,647 |
| Net operating income to assets | 0.6283% | 4,426 |
| Return on assets (ROA) | 0.6283% | 4,440 |
| Pretax return on assets | 0.7876% | 4,329 |
| Return on Equity (ROE) | 6.9267% | 3,957 |
| Retained earnings to average equity (ytd only) | 6.9267% | 2,165 |
| Net charge-offs to loans | 0.0815% | 1,706 |
| Credit loss provision to net charge-offs | 200.7407% | 1,375 |
| Earnings coverage of net charge-offs (x) | 14.9593% | 2,259 |
| Efficiency ratio | 77.5499% | 1,168 |
| Assets per employee ($millions) | 4.2408% | 3,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9306% | 4,133 |
| Loan loss allowance to noncurrent loans | 90.2220% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 1.3042% | 1,043 |
| Noncurrent loans to loans | 1.0314% | 1,661 |
| Net loans and leases to total assets | 75.7787% | 1,689 |
| Net loans and leases to deposits | 90.7569% | 1,800 |
| Net loans and leases to core deposits | 92.5823% | 2,429 |
| Total domestic deposits to total assets | 83.4964% | 3,124 |
| Equity capital to assets | 9.1761% | 4,392 |
| Core capital (leverage) ratio | 9.1437% | 4,571 |
| Tier 1 risk-based capital ratio | 12.2963% | 4,321 |
| Total risk-based capital ratio | 13.2773% | 4,371 |
| Memoranda: | ||
| Average total assets | $592,024,000 | 1,222 |
| Average earning assets | $533,805,750 | 1,244 |
| Average equity | $53,704,000 | 1,442 |
| Average total loans | $441,538,000 | 1,161 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3650% | 2,525 |
| Cost of funding earning assets | 0.6055% | 2,193 |
| Net interest margin | 3.7596% | 2,715 |
| Noninterest income to average assets | 0.6012% | 2,319 |
| Noninterest expense to average assets | 3.1769% | 1,593 |
| Loan and lease loss provision to assets | 0.1163% | 1,707 |
| Net operating income to assets | 0.5559% | 4,617 |
| Return on assets (ROA) | 0.5559% | 4,617 |
| Pretax return on assets | 0.6969% | 4,523 |
| Return on Equity (ROE) | 6.1521% | 4,174 |
| Retained earnings to average equity (ytd only) | 6.1521% | 2,478 |
| Net charge-offs to loans | 0.0732% | 1,602 |
| Credit loss provision to net charge-offs | 215.0000% | 1,237 |
| Earnings coverage of net charge-offs (x) | 15.0313% | 2,065 |
| Efficiency ratio | 79.6186% | 1,053 |
| Assets per employee ($millions) | 4.1705% | 3,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9343% | 4,182 |
| Loan loss allowance to noncurrent loans | 106.8974% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 1.2157% | 1,182 |
| Noncurrent loans to loans | 0.8740% | 1,981 |
| Net loans and leases to total assets | 75.1441% | 1,770 |
| Net loans and leases to deposits | 87.8407% | 2,128 |
| Net loans and leases to core deposits | 89.1443% | 2,636 |
| Total domestic deposits to total assets | 85.5458% | 2,478 |
| Equity capital to assets | 9.2148% | 4,367 |
| Core capital (leverage) ratio | 8.8468% | 4,843 |
| Tier 1 risk-based capital ratio | 12.2240% | 4,358 |
| Total risk-based capital ratio | 13.2042% | 4,400 |
| Memoranda: | ||
| Average total assets | $591,460,670 | 1,219 |
| Average earning assets | $533,147,330 | 1,252 |
| Average equity | $53,445,330 | 1,450 |
| Average total loans | $437,339,000 | 1,171 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3692% | 2,299 |
| Cost of funding earning assets | 0.6162% | 1,938 |
| Net interest margin | 3.7530% | 2,604 |
| Noninterest income to average assets | 0.6323% | 2,118 |
| Noninterest expense to average assets | 3.3418% | 1,265 |
| Loan and lease loss provision to assets | 0.1163% | 1,631 |
| Net operating income to assets | 0.4449% | 4,830 |
| Return on assets (ROA) | 0.4449% | 4,831 |
| Pretax return on assets | 0.5591% | 4,767 |
| Return on Equity (ROE) | 4.9712% | 4,504 |
| Retained earnings to average equity (ytd only) | 4.9712% | 3,192 |
| Net charge-offs to loans | 0.1169% | 1,082 |
| Credit loss provision to net charge-offs | 136.2205% | 1,299 |
| Earnings coverage of net charge-offs (x) | 7.9134% | 2,059 |
| Efficiency ratio | 83.1884% | 852 |
| Assets per employee ($millions) | 4.2887% | 3,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9237% | 4,338 |
| Loan loss allowance to noncurrent loans | 235.7101% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.8783% | 1,810 |
| Noncurrent loans to loans | 0.3919% | 3,384 |
| Net loans and leases to total assets | 71.9743% | 2,170 |
| Net loans and leases to deposits | 83.8875% | 2,399 |
| Net loans and leases to core deposits | 84.9944% | 2,894 |
| Total domestic deposits to total assets | 85.7986% | 2,634 |
| Equity capital to assets | 8.9051% | 4,654 |
| Core capital (leverage) ratio | 8.5141% | 5,134 |
| Tier 1 risk-based capital ratio | 12.1341% | 4,471 |
| Total risk-based capital ratio | 13.0975% | 4,533 |
| Memoranda: | ||
| Average total assets | $595,254,500 | 1,220 |
| Average earning assets | $536,854,500 | 1,248 |
| Average equity | $53,266,500 | 1,459 |
| Average total loans | $434,566,500 | 1,182 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1912% | 2,715 |
| Cost of funding earning assets | 0.7068% | 989 |
| Net interest margin | 3.4845% | 3,573 |
| Noninterest income to average assets | 0.9510% | 1,137 |
| Noninterest expense to average assets | 3.1365% | 1,757 |
| Loan and lease loss provision to assets | 0.0197% | 3,904 |
| Net operating income to assets | -0.0325% | 5,388 |
| Return on assets (ROA) | -0.0305% | 5,390 |
| Pretax return on assets | 0.9039% | 3,914 |
| Return on Equity (ROE) | -0.3398% | 5,392 |
| Retained earnings to average equity (ytd only) | -0.3398% | 5,095 |
| Net charge-offs to loans | 0.2116% | 1,230 |
| Credit loss provision to net charge-offs | 13.3630% | 3,649 |
| Earnings coverage of net charge-offs (x) | 6.2461% | 3,207 |
| Efficiency ratio | 77.3117% | 1,445 |
| Assets per employee ($millions) | 3.8848% | 4,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9067% | 4,446 |
| Loan loss allowance to noncurrent loans | 168.6141% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 1.0305% | 1,486 |
| Noncurrent loans to loans | 0.5378% | 2,889 |
| Net loans and leases to total assets | 72.7009% | 2,135 |
| Net loans and leases to deposits | 86.4679% | 2,203 |
| Net loans and leases to core deposits | 87.5220% | 2,764 |
| Total domestic deposits to total assets | 84.0785% | 3,170 |
| Equity capital to assets | 8.9921% | 4,734 |
| Core capital (leverage) ratio | 8.3607% | 5,248 |
| Tier 1 risk-based capital ratio | 12.1456% | 4,433 |
| Total risk-based capital ratio | 13.1149% | 4,505 |
| Memoranda: | ||
| Average total assets | $609,377,400 | 1,177 |
| Average earning assets | $543,180,000 | 1,220 |
| Average equity | $54,743,000 | 1,414 |
| Average total loans | $424,414,000 | 1,175 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1776% | 2,696 |
| Cost of funding earning assets | 0.7438% | 779 |
| Net interest margin | 3.4338% | 3,725 |
| Noninterest income to average assets | 0.9625% | 1,112 |
| Noninterest expense to average assets | 3.1036% | 1,789 |
| Loan and lease loss provision to assets | 0.0157% | 3,833 |
| Net operating income to assets | 0.6141% | 4,338 |
| Return on assets (ROA) | 0.6169% | 4,372 |
| Pretax return on assets | 0.9025% | 4,036 |
| Return on Equity (ROE) | 6.8690% | 3,734 |
| Retained earnings to average equity (ytd only) | 6.8690% | 1,758 |
| Net charge-offs to loans | 0.0348% | 2,740 |
| Credit loss provision to net charge-offs | 65.4545% | 2,743 |
| Earnings coverage of net charge-offs (x) | 38.2099% | 1,344 |
| Efficiency ratio | 77.2503% | 1,429 |
| Assets per employee ($millions) | 3.5969% | 4,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0747% | 3,638 |
| Loan loss allowance to noncurrent loans | 154.9175% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 0.8956% | 1,910 |
| Noncurrent loans to loans | 0.6937% | 2,628 |
| Net loans and leases to total assets | 71.9279% | 2,261 |
| Net loans and leases to deposits | 86.0572% | 2,284 |
| Net loans and leases to core deposits | 87.2011% | 2,855 |
| Total domestic deposits to total assets | 83.5815% | 3,263 |
| Equity capital to assets | 9.4460% | 4,493 |
| Core capital (leverage) ratio | 8.4131% | 5,311 |
| Tier 1 risk-based capital ratio | 12.1759% | 4,509 |
| Total risk-based capital ratio | 13.3210% | 4,454 |
| Memoranda: | ||
| Average total assets | $613,127,250 | 1,183 |
| Average earning assets | $545,502,250 | 1,225 |
| Average equity | $55,067,000 | 1,418 |
| Average total loans | $421,499,500 | 1,189 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1261% | 2,745 |
| Cost of funding earning assets | 0.7641% | 639 |
| Net interest margin | 3.3620% | 3,903 |
| Noninterest income to average assets | 0.9156% | 1,226 |
| Noninterest expense to average assets | 3.0745% | 1,900 |
| Loan and lease loss provision to assets | 0.0168% | 3,623 |
| Net operating income to assets | 0.5680% | 4,438 |
| Return on assets (ROA) | 0.5680% | 4,489 |
| Pretax return on assets | 0.8139% | 4,222 |
| Return on Equity (ROE) | 6.4320% | 3,858 |
| Retained earnings to average equity (ytd only) | 6.4320% | 1,885 |
| Net charge-offs to loans | 0.1009% | 1,613 |
| Credit loss provision to net charge-offs | 24.7619% | 2,756 |
| Earnings coverage of net charge-offs (x) | 12.2095% | 2,214 |
| Efficiency ratio | 78.7273% | 1,361 |
| Assets per employee ($millions) | 3.5492% | 4,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0961% | 3,601 |
| Loan loss allowance to noncurrent loans | 152.1498% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.9045% | 1,960 |
| Noncurrent loans to loans | 0.7204% | 2,588 |
| Net loans and leases to total assets | 68.2467% | 2,777 |
| Net loans and leases to deposits | 84.6405% | 2,385 |
| Net loans and leases to core deposits | 85.7745% | 2,903 |
| Total domestic deposits to total assets | 80.6313% | 4,274 |
| Equity capital to assets | 9.0006% | 4,902 |
| Core capital (leverage) ratio | 7.9846% | 5,535 |
| Tier 1 risk-based capital ratio | 12.1171% | 4,560 |
| Total risk-based capital ratio | 13.2912% | 4,488 |
| Memoranda: | ||
| Average total assets | $617,273,330 | 1,182 |
| Average earning assets | $548,899,000 | 1,217 |
| Average equity | $54,509,000 | 1,438 |
| Average total loans | $416,413,670 | 1,201 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1587% | 2,434 |
| Cost of funding earning assets | 0.7554% | 632 |
| Net interest margin | 3.4033% | 3,646 |
| Noninterest income to average assets | 0.8368% | 1,442 |
| Noninterest expense to average assets | 2.8746% | 2,535 |
| Loan and lease loss provision to assets | 0.0110% | 3,421 |
| Net operating income to assets | 0.6773% | 3,800 |
| Return on assets (ROA) | 0.6773% | 3,840 |
| Pretax return on assets | 0.9619% | 3,537 |
| Return on Equity (ROE) | 7.7449% | 3,043 |
| Retained earnings to average equity (ytd only) | 7.7449% | 1,557 |
| Net charge-offs to loans | 0.1137% | 1,259 |
| Credit loss provision to net charge-offs | 14.5299% | 2,199 |
| Earnings coverage of net charge-offs (x) | 12.8291% | 1,824 |
| Efficiency ratio | 74.7136% | 2,108 |
| Assets per employee ($millions) | 3.4841% | 4,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1473% | 3,429 |
| Loan loss allowance to noncurrent loans | 137.0327% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 0.9984% | 1,825 |
| Noncurrent loans to loans | 0.8373% | 2,362 |
| Net loans and leases to total assets | 65.6990% | 3,019 |
| Net loans and leases to deposits | 82.0653% | 2,502 |
| Net loans and leases to core deposits | 83.1662% | 2,980 |
| Total domestic deposits to total assets | 80.0570% | 4,606 |
| Equity capital to assets | 8.7918% | 5,005 |
| Core capital (leverage) ratio | 7.8016% | 5,630 |
| Tier 1 risk-based capital ratio | 12.1506% | 4,622 |
| Total risk-based capital ratio | 13.3682% | 4,537 |
| Memoranda: | ||
| Average total assets | $617,126,000 | 1,176 |
| Average earning assets | $545,943,000 | 1,220 |
| Average equity | $53,971,000 | 1,444 |
| Average total loans | $411,550,000 | 1,218 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3224% | 2,071 |
| Cost of funding earning assets | 0.7716% | 572 |
| Net interest margin | 3.5508% | 3,248 |
| Noninterest income to average assets | 0.5318% | 3,021 |
| Noninterest expense to average assets | 3.4670% | 1,222 |
| Loan and lease loss provision to assets | 0.2489% | 844 |
| Net operating income to assets | 0.0108% | 5,634 |
| Return on assets (ROA) | 0.0157% | 5,652 |
| Pretax return on assets | -0.0431% | 5,670 |
| Return on Equity (ROE) | 0.1761% | 5,648 |
| Retained earnings to average equity (ytd only) | 0.1761% | 5,248 |
| Net charge-offs to loans | 0.5591% | 419 |
| Credit loss provision to net charge-offs | 64.9085% | 3,184 |
| Earnings coverage of net charge-offs (x) | 0.5168% | 4,096 |
| Efficiency ratio | 94.5938% | 358 |
| Assets per employee ($millions) | 3.3741% | 4,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1752% | 3,274 |
| Loan loss allowance to noncurrent loans | 77.7742% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 1.4619% | 1,157 |
| Noncurrent loans to loans | 1.5110% | 1,321 |
| Net loans and leases to total assets | 66.1307% | 3,055 |
| Net loans and leases to deposits | 82.6041% | 2,599 |
| Net loans and leases to core deposits | 83.6778% | 3,055 |
| Total domestic deposits to total assets | 80.0574% | 4,565 |
| Equity capital to assets | 8.6989% | 5,105 |
| Core capital (leverage) ratio | 7.5875% | 5,732 |
| Tier 1 risk-based capital ratio | 11.7791% | 4,874 |
| Total risk-based capital ratio | 13.0239% | 4,777 |
| Memoranda: | ||
| Average total assets | $613,186,600 | 1,145 |
| Average earning assets | $541,084,400 | 1,187 |
| Average equity | $54,502,600 | 1,411 |
| Average total loans | $420,517,800 | 1,160 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3117% | 2,127 |
| Cost of funding earning assets | 0.7701% | 574 |
| Net interest margin | 3.5416% | 3,312 |
| Noninterest income to average assets | 0.4835% | 3,360 |
| Noninterest expense to average assets | 3.3946% | 1,353 |
| Loan and lease loss provision to assets | 0.3232% | 513 |
| Net operating income to assets | -0.0326% | 5,735 |
| Return on assets (ROA) | -0.0261% | 5,750 |
| Pretax return on assets | -0.0979% | 5,771 |
| Return on Equity (ROE) | -0.2921% | 5,755 |
| Retained earnings to average equity (ytd only) | -0.2921% | 5,415 |
| Net charge-offs to loans | 0.6734% | 290 |
| Credit loss provision to net charge-offs | 69.5693% | 2,796 |
| Earnings coverage of net charge-offs (x) | 0.4630% | 3,786 |
| Efficiency ratio | 94.0404% | 388 |
| Assets per employee ($millions) | 3.1924% | 5,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2121% | 3,165 |
| Loan loss allowance to noncurrent loans | 90.1297% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 1.4422% | 1,273 |
| Noncurrent loans to loans | 1.3448% | 1,640 |
| Net loans and leases to total assets | 66.5406% | 3,032 |
| Net loans and leases to deposits | 83.3921% | 2,559 |
| Net loans and leases to core deposits | 84.7706% | 3,057 |
| Total domestic deposits to total assets | 79.7924% | 4,561 |
| Equity capital to assets | 8.9816% | 5,196 |
| Core capital (leverage) ratio | 7.6045% | 5,811 |
| Tier 1 risk-based capital ratio | 11.8591% | 4,883 |
| Total risk-based capital ratio | 13.1212% | 4,769 |
| Memoranda: | ||
| Average total assets | $612,963,000 | 1,152 |
| Average earning assets | $541,058,250 | 1,188 |
| Average equity | $54,773,750 | 1,413 |
| Average total loans | $422,916,000 | 1,153 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3308% | 2,048 |
| Cost of funding earning assets | 0.7700% | 569 |
| Net interest margin | 3.5608% | 3,246 |
| Noninterest income to average assets | 0.4738% | 3,376 |
| Noninterest expense to average assets | 3.3349% | 1,521 |
| Loan and lease loss provision to assets | 0.4284% | 341 |
| Net operating income to assets | -0.0571% | 5,797 |
| Return on assets (ROA) | -0.0473% | 5,814 |
| Pretax return on assets | -0.1312% | 5,843 |
| Return on Equity (ROE) | -0.5303% | 5,818 |
| Retained earnings to average equity (ytd only) | -0.5303% | 5,371 |
| Net charge-offs to loans | 0.8281% | 238 |
| Credit loss provision to net charge-offs | 74.3909% | 2,434 |
| Earnings coverage of net charge-offs (x) | 0.4895% | 3,516 |
| Efficiency ratio | 92.2057% | 487 |
| Assets per employee ($millions) | 2.8172% | 5,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2428% | 3,118 |
| Loan loss allowance to noncurrent loans | 79.4562% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 1.8984% | 882 |
| Noncurrent loans to loans | 1.5641% | 1,377 |
| Net loans and leases to total assets | 68.5655% | 2,698 |
| Net loans and leases to deposits | 86.3090% | 2,217 |
| Net loans and leases to core deposits | 87.7658% | 2,746 |
| Total domestic deposits to total assets | 79.4419% | 4,684 |
| Equity capital to assets | 9.1574% | 5,106 |
| Core capital (leverage) ratio | 7.5494% | 5,874 |
| Tier 1 risk-based capital ratio | 11.7575% | 5,003 |
| Total risk-based capital ratio | 13.0201% | 4,869 |
| Memoranda: | ||
| Average total assets | $612,972,670 | 1,157 |
| Average earning assets | $541,056,000 | 1,196 |
| Average equity | $54,681,330 | 1,414 |
| Average total loans | $426,270,000 | 1,145 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3622% | 1,919 |
| Cost of funding earning assets | 0.7682% | 581 |
| Net interest margin | 3.5940% | 3,112 |
| Noninterest income to average assets | 0.6149% | 2,445 |
| Noninterest expense to average assets | 3.1902% | 1,855 |
| Loan and lease loss provision to assets | 0.1456% | 1,452 |
| Net operating income to assets | 0.3259% | 5,223 |
| Return on assets (ROA) | 0.3424% | 5,258 |
| Pretax return on assets | 0.4660% | 5,169 |
| Return on Equity (ROE) | 3.8885% | 4,927 |
| Retained earnings to average equity (ytd only) | 3.8885% | 3,550 |
| Net charge-offs to loans | 0.0502% | 2,036 |
| Credit loss provision to net charge-offs | 416.6667% | 688 |
| Earnings coverage of net charge-offs (x) | 16.8519% | 1,603 |
| Efficiency ratio | 84.4151% | 1,123 |
| Assets per employee ($millions) | 2.8896% | 5,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3605% | 2,603 |
| Loan loss allowance to noncurrent loans | 61.3481% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 2.4000% | 638 |
| Noncurrent loans to loans | 2.2177% | 919 |
| Net loans and leases to total assets | 68.2955% | 2,611 |
| Net loans and leases to deposits | 85.4850% | 2,126 |
| Net loans and leases to core deposits | 87.0020% | 2,659 |
| Total domestic deposits to total assets | 79.8918% | 4,769 |
| Equity capital to assets | 8.9568% | 5,210 |
| Core capital (leverage) ratio | 7.6049% | 5,902 |
| Tier 1 risk-based capital ratio | 11.7460% | 5,083 |
| Total risk-based capital ratio | 13.0101% | 4,979 |
| Memoranda: | ||
| Average total assets | $618,013,500 | 1,142 |
| Average earning assets | $544,123,000 | 1,194 |
| Average equity | $54,417,500 | 1,420 |
| Average total loans | $430,116,500 | 1,133 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2232% | 2,484 |
| Cost of funding earning assets | 0.8454% | 379 |
| Net interest margin | 3.3778% | 4,002 |
| Noninterest income to average assets | 0.4327% | 3,804 |
| Noninterest expense to average assets | 3.1320% | 2,143 |
| Loan and lease loss provision to assets | 0.2401% | 799 |
| Net operating income to assets | 0.2308% | 5,515 |
| Return on assets (ROA) | 0.2334% | 5,579 |
| Pretax return on assets | 0.0366% | 5,864 |
| Return on Equity (ROE) | 2.6811% | 5,402 |
| Retained earnings to average equity (ytd only) | 2.6811% | 4,162 |
| Net charge-offs to loans | 0.3102% | 971 |
| Credit loss provision to net charge-offs | 113.6891% | 2,239 |
| Earnings coverage of net charge-offs (x) | 1.2978% | 4,113 |
| Efficiency ratio | 91.8813% | 576 |
| Assets per employee ($millions) | 2.8203% | 5,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3085% | 2,848 |
| Loan loss allowance to noncurrent loans | 59.7864% | 4,641 |
| Noncurrent assets plus other real estate owned to assets | 2.4532% | 634 |
| Noncurrent loans to loans | 2.1887% | 912 |
| Net loans and leases to total assets | 69.0407% | 2,540 |
| Net loans and leases to deposits | 86.0261% | 2,128 |
| Net loans and leases to core deposits | 87.5942% | 2,642 |
| Total domestic deposits to total assets | 80.2556% | 4,683 |
| Equity capital to assets | 8.6535% | 5,423 |
| Core capital (leverage) ratio | 7.3258% | 6,007 |
| Tier 1 risk-based capital ratio | 11.2826% | 5,385 |
| Total risk-based capital ratio | 12.5520% | 5,268 |
| Memoranda: | ||
| Average total assets | $612,227,000 | 1,113 |
| Average earning assets | $538,924,000 | 1,169 |
| Average equity | $53,298,800 | 1,401 |
| Average total loans | $416,856,800 | 1,096 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2843% | 2,294 |
| Cost of funding earning assets | 0.8510% | 373 |
| Net interest margin | 3.4333% | 3,824 |
| Noninterest income to average assets | 0.5638% | 2,962 |
| Noninterest expense to average assets | 3.1227% | 2,162 |
| Loan and lease loss provision to assets | 0.1521% | 1,432 |
| Net operating income to assets | 0.4771% | 4,866 |
| Return on assets (ROA) | 0.4806% | 4,956 |
| Pretax return on assets | 0.3180% | 5,616 |
| Return on Equity (ROE) | 5.5123% | 4,403 |
| Retained earnings to average equity (ytd only) | 5.5123% | 2,570 |
| Net charge-offs to loans | 0.2715% | 982 |
| Credit loss provision to net charge-offs | 82.8775% | 2,570 |
| Earnings coverage of net charge-offs (x) | 2.5422% | 3,654 |
| Efficiency ratio | 86.9079% | 943 |
| Assets per employee ($millions) | 2.8518% | 5,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2633% | 3,288 |
| Loan loss allowance to noncurrent loans | 82.0083% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 2.2371% | 839 |
| Noncurrent loans to loans | 1.5405% | 1,620 |
| Net loans and leases to total assets | 67.6669% | 2,741 |
| Net loans and leases to deposits | 84.6581% | 2,322 |
| Net loans and leases to core deposits | 86.1702% | 2,835 |
| Total domestic deposits to total assets | 79.9297% | 4,769 |
| Equity capital to assets | 8.8154% | 5,478 |
| Core capital (leverage) ratio | 7.4184% | 6,071 |
| Tier 1 risk-based capital ratio | 11.7088% | 5,262 |
| Total risk-based capital ratio | 12.9780% | 5,166 |
| Memoranda: | ||
| Average total assets | $610,872,000 | 1,121 |
| Average earning assets | $538,318,000 | 1,179 |
| Average equity | $53,261,500 | 1,412 |
| Average total loans | $413,050,500 | 1,108 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2893% | 2,205 |
| Cost of funding earning assets | 0.8538% | 374 |
| Net interest margin | 3.4354% | 3,773 |
| Noninterest income to average assets | 0.4527% | 3,680 |
| Noninterest expense to average assets | 3.0346% | 2,445 |
| Loan and lease loss provision to assets | 0.1586% | 1,343 |
| Net operating income to assets | 0.5703% | 4,475 |
| Return on assets (ROA) | 0.5755% | 4,547 |
| Pretax return on assets | 0.2938% | 5,672 |
| Return on Equity (ROE) | 6.6257% | 3,820 |
| Retained earnings to average equity (ytd only) | 6.6257% | 1,888 |
| Net charge-offs to loans | 0.2507% | 1,036 |
| Credit loss provision to net charge-offs | 93.9689% | 2,156 |
| Earnings coverage of net charge-offs (x) | 2.6498% | 3,308 |
| Efficiency ratio | 87.0533% | 972 |
| Assets per employee ($millions) | 2.7631% | 5,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3156% | 3,156 |
| Loan loss allowance to noncurrent loans | 67.2761% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 2.6284% | 695 |
| Noncurrent loans to loans | 1.9556% | 1,266 |
| Net loans and leases to total assets | 66.8957% | 2,801 |
| Net loans and leases to deposits | 83.6694% | 2,351 |
| Net loans and leases to core deposits | 85.1759% | 2,860 |
| Total domestic deposits to total assets | 79.9524% | 4,882 |
| Equity capital to assets | 8.7833% | 5,447 |
| Core capital (leverage) ratio | 7.4087% | 6,119 |
| Tier 1 risk-based capital ratio | 11.6331% | 5,384 |
| Total risk-based capital ratio | 12.8853% | 5,300 |
| Memoranda: | ||
| Average total assets | $609,169,670 | 1,134 |
| Average earning assets | $537,108,670 | 1,181 |
| Average equity | $52,915,000 | 1,429 |
| Average total loans | $410,018,330 | 1,122 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3062% | 2,078 |
| Cost of funding earning assets | 0.8590% | 361 |
| Net interest margin | 3.4472% | 3,634 |
| Noninterest income to average assets | 0.5095% | 3,223 |
| Noninterest expense to average assets | 2.9939% | 2,602 |
| Loan and lease loss provision to assets | 0.0651% | 2,630 |
| Net operating income to assets | 0.3836% | 5,133 |
| Return on assets (ROA) | 0.3912% | 5,218 |
| Pretax return on assets | 0.5075% | 5,162 |
| Return on Equity (ROE) | 4.5286% | 4,748 |
| Retained earnings to average equity (ytd only) | 4.5286% | 3,309 |
| Net charge-offs to loans | 0.2813% | 857 |
| Credit loss provision to net charge-offs | 34.4948% | 2,231 |
| Earnings coverage of net charge-offs (x) | 2.9826% | 2,672 |
| Efficiency ratio | 84.0665% | 1,378 |
| Assets per employee ($millions) | 2.8820% | 5,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2928% | 3,440 |
| Loan loss allowance to noncurrent loans | 58.3968% | 4,771 |
| Noncurrent assets plus other real estate owned to assets | 2.9687% | 638 |
| Noncurrent loans to loans | 2.2138% | 1,143 |
| Net loans and leases to total assets | 66.0952% | 2,748 |
| Net loans and leases to deposits | 82.5699% | 2,270 |
| Net loans and leases to core deposits | 84.2025% | 2,746 |
| Total domestic deposits to total assets | 80.0476% | 5,043 |
| Equity capital to assets | 8.6438% | 5,619 |
| Core capital (leverage) ratio | 7.4156% | 6,170 |
| Tier 1 risk-based capital ratio | 11.6502% | 5,470 |
| Total risk-based capital ratio | 12.9172% | 5,361 |
| Memoranda: | ||
| Average total assets | $608,431,500 | 1,139 |
| Average earning assets | $537,832,500 | 1,183 |
| Average equity | $52,555,000 | 1,443 |
| Average total loans | $408,056,500 | 1,125 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3234% | 2,516 |
| Cost of funding earning assets | 0.9167% | 352 |
| Net interest margin | 3.4067% | 4,170 |
| Noninterest income to average assets | 0.5504% | 3,177 |
| Noninterest expense to average assets | 2.9853% | 2,887 |
| Loan and lease loss provision to assets | 0.2188% | 1,125 |
| Net operating income to assets | 0.4920% | 4,841 |
| Return on assets (ROA) | 0.4922% | 4,930 |
| Pretax return on assets | 0.3636% | 5,577 |
| Return on Equity (ROE) | 6.3095% | 3,998 |
| Retained earnings to average equity (ytd only) | 6.3095% | 1,751 |
| Net charge-offs to loans | 0.6591% | 582 |
| Credit loss provision to net charge-offs | 49.5509% | 3,489 |
| Earnings coverage of net charge-offs (x) | 1.3185% | 4,446 |
| Efficiency ratio | 83.5627% | 1,465 |
| Assets per employee ($millions) | 2.8715% | 5,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3457% | 3,194 |
| Loan loss allowance to noncurrent loans | 46.9524% | 5,196 |
| Noncurrent assets plus other real estate owned to assets | 3.0286% | 659 |
| Noncurrent loans to loans | 2.8661% | 805 |
| Net loans and leases to total assets | 66.2700% | 2,845 |
| Net loans and leases to deposits | 82.8257% | 2,361 |
| Net loans and leases to core deposits | 84.5567% | 2,838 |
| Total domestic deposits to total assets | 80.0114% | 5,013 |
| Equity capital to assets | 8.6317% | 5,621 |
| Core capital (leverage) ratio | 7.7142% | 6,125 |
| Tier 1 risk-based capital ratio | 12.9347% | 4,764 |
| Total risk-based capital ratio | 14.1879% | 4,684 |
| Memoranda: | ||
| Average total assets | $605,033,600 | 1,099 |
| Average earning assets | $535,853,200 | 1,128 |
| Average equity | $47,199,000 | 1,528 |
| Average total loans | $405,404,600 | 1,086 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3239% | 2,525 |
| Cost of funding earning assets | 0.9207% | 364 |
| Net interest margin | 3.4033% | 4,229 |
| Noninterest income to average assets | 0.5306% | 3,317 |
| Noninterest expense to average assets | 2.9692% | 2,909 |
| Loan and lease loss provision to assets | 0.2751% | 754 |
| Net operating income to assets | 0.5156% | 4,822 |
| Return on assets (ROA) | 0.5156% | 4,882 |
| Pretax return on assets | 0.2989% | 5,776 |
| Return on Equity (ROE) | 6.7907% | 3,810 |
| Retained earnings to average equity (ytd only) | 6.7907% | 1,928 |
| Net charge-offs to loans | 0.8375% | 395 |
| Credit loss provision to net charge-offs | 49.0566% | 3,119 |
| Earnings coverage of net charge-offs (x) | 1.0236% | 4,255 |
| Efficiency ratio | 83.6869% | 1,425 |
| Assets per employee ($millions) | 2.8213% | 5,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3666% | 3,319 |
| Loan loss allowance to noncurrent loans | 37.5714% | 5,516 |
| Noncurrent assets plus other real estate owned to assets | 3.5176% | 611 |
| Noncurrent loans to loans | 3.6373% | 641 |
| Net loans and leases to total assets | 65.4838% | 2,952 |
| Net loans and leases to deposits | 81.5967% | 2,477 |
| Net loans and leases to core deposits | 83.3467% | 2,958 |
| Total domestic deposits to total assets | 80.2530% | 5,032 |
| Equity capital to assets | 8.4128% | 5,868 |
| Core capital (leverage) ratio | 7.5882% | 6,244 |
| Tier 1 risk-based capital ratio | 12.6107% | 5,103 |
| Total risk-based capital ratio | 13.8640% | 5,021 |
| Memoranda: | ||
| Average total assets | $604,820,750 | 1,104 |
| Average earning assets | $535,394,000 | 1,141 |
| Average equity | $45,924,250 | 1,570 |
| Average total loans | $405,006,500 | 1,078 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2761% | 2,680 |
| Cost of funding earning assets | 0.9248% | 373 |
| Net interest margin | 3.3513% | 4,393 |
| Noninterest income to average assets | 0.5367% | 3,224 |
| Noninterest expense to average assets | 2.9604% | 2,964 |
| Loan and lease loss provision to assets | 0.2974% | 664 |
| Net operating income to assets | 0.5891% | 4,411 |
| Return on assets (ROA) | 0.5891% | 4,505 |
| Pretax return on assets | 0.2476% | 5,876 |
| Return on Equity (ROE) | 8.0510% | 3,062 |
| Retained earnings to average equity (ytd only) | 8.0510% | 1,310 |
| Net charge-offs to loans | 1.0115% | 352 |
| Credit loss provision to net charge-offs | 43.7775% | 2,878 |
| Earnings coverage of net charge-offs (x) | 0.8023% | 3,967 |
| Efficiency ratio | 84.3484% | 1,461 |
| Assets per employee ($millions) | 2.8161% | 6,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3987% | 3,357 |
| Loan loss allowance to noncurrent loans | 59.7535% | 4,825 |
| Noncurrent assets plus other real estate owned to assets | 3.0059% | 844 |
| Noncurrent loans to loans | 2.3408% | 1,372 |
| Net loans and leases to total assets | 66.0511% | 2,741 |
| Net loans and leases to deposits | 82.2710% | 2,219 |
| Net loans and leases to core deposits | 83.9557% | 2,741 |
| Total domestic deposits to total assets | 80.2848% | 5,182 |
| Equity capital to assets | 8.3304% | 5,931 |
| Core capital (leverage) ratio | 7.3890% | 6,343 |
| Tier 1 risk-based capital ratio | 12.3266% | 5,346 |
| Total risk-based capital ratio | 13.5805% | 5,263 |
| Memoranda: | ||
| Average total assets | $603,296,000 | 1,107 |
| Average earning assets | $534,412,000 | 1,134 |
| Average equity | $44,143,330 | 1,618 |
| Average total loans | $405,147,330 | 1,076 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3601% | 2,294 |
| Cost of funding earning assets | 0.9323% | 379 |
| Net interest margin | 3.4279% | 3,993 |
| Noninterest income to average assets | 0.5646% | 2,954 |
| Noninterest expense to average assets | 2.8900% | 3,251 |
| Loan and lease loss provision to assets | 0.1760% | 1,371 |
| Net operating income to assets | 0.4444% | 4,954 |
| Return on assets (ROA) | 0.4444% | 5,019 |
| Pretax return on assets | 0.5367% | 5,058 |
| Return on Equity (ROE) | 6.5275% | 3,731 |
| Retained earnings to average equity (ytd only) | 6.5275% | 2,268 |
| Net charge-offs to loans | 0.4060% | 892 |
| Credit loss provision to net charge-offs | 64.4769% | 2,062 |
| Earnings coverage of net charge-offs (x) | 2.6107% | 2,842 |
| Efficiency ratio | 80.1254% | 2,189 |
| Assets per employee ($millions) | 2.8039% | 6,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6448% | 2,530 |
| Loan loss allowance to noncurrent loans | 55.5888% | 4,996 |
| Noncurrent assets plus other real estate owned to assets | 3.2641% | 822 |
| Noncurrent loans to loans | 2.9589% | 1,086 |
| Net loans and leases to total assets | 65.9433% | 2,575 |
| Net loans and leases to deposits | 80.6964% | 2,202 |
| Net loans and leases to core deposits | 82.3614% | 2,705 |
| Total domestic deposits to total assets | 81.7177% | 5,023 |
| Equity capital to assets | 6.8525% | 6,477 |
| Core capital (leverage) ratio | 6.0557% | 6,579 |
| Tier 1 risk-based capital ratio | 10.0544% | 6,464 |
| Total risk-based capital ratio | 11.3121% | 6,432 |
| Memoranda: | ||
| Average total assets | $602,211,000 | 1,120 |
| Average earning assets | $533,745,000 | 1,150 |
| Average equity | $40,996,000 | 1,742 |
| Average total loans | $404,926,000 | 1,082 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4330% | 2,459 |
| Cost of funding earning assets | 1.0211% | 404 |
| Net interest margin | 3.4119% | 4,231 |
| Noninterest income to average assets | 0.3249% | 5,011 |
| Noninterest expense to average assets | 3.0388% | 2,935 |
| Loan and lease loss provision to assets | 0.2211% | 1,650 |
| Net operating income to assets | 0.4566% | 4,925 |
| Return on assets (ROA) | 0.3753% | 5,356 |
| Pretax return on assets | -0.0735% | 6,272 |
| Return on Equity (ROE) | 5.7929% | 4,218 |
| Retained earnings to average equity (ytd only) | 5.7929% | 2,106 |
| Net charge-offs to loans | 0.4883% | 1,362 |
| Credit loss provision to net charge-offs | 67.9012% | 3,360 |
| Earnings coverage of net charge-offs (x) | 0.8431% | 4,806 |
| Efficiency ratio | 91.6140% | 902 |
| Assets per employee ($millions) | 2.8111% | 6,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6902% | 2,431 |
| Loan loss allowance to noncurrent loans | 62.1076% | 4,790 |
| Noncurrent assets plus other real estate owned to assets | 3.1436% | 983 |
| Noncurrent loans to loans | 2.7215% | 1,331 |
| Net loans and leases to total assets | 66.2961% | 2,650 |
| Net loans and leases to deposits | 81.1415% | 2,304 |
| Net loans and leases to core deposits | 82.8369% | 2,793 |
| Total domestic deposits to total assets | 81.7044% | 4,972 |
| Equity capital to assets | 6.7622% | 6,522 |
| Core capital (leverage) ratio | 5.9781% | 6,651 |
| Tier 1 risk-based capital ratio | 9.7743% | 6,561 |
| Total risk-based capital ratio | 11.0325% | 6,528 |
| Memoranda: | ||
| Average total assets | $597,081,600 | 1,117 |
| Average earning assets | $522,967,600 | 1,158 |
| Average equity | $38,685,400 | 1,801 |
| Average total loans | $398,129,200 | 1,078 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4429% | 2,447 |
| Cost of funding earning assets | 1.0315% | 423 |
| Net interest margin | 3.4114% | 4,240 |
| Noninterest income to average assets | 0.3573% | 4,837 |
| Noninterest expense to average assets | 3.0467% | 2,829 |
| Loan and lease loss provision to assets | 0.2503% | 1,431 |
| Net operating income to assets | 0.5573% | 4,543 |
| Return on assets (ROA) | 0.5564% | 4,701 |
| Pretax return on assets | 0.0393% | 6,272 |
| Return on Equity (ROE) | 8.6831% | 2,795 |
| Retained earnings to average equity (ytd only) | 8.6831% | 1,164 |
| Net charge-offs to loans | 0.5189% | 1,241 |
| Credit loss provision to net charge-offs | 72.5389% | 3,014 |
| Earnings coverage of net charge-offs (x) | 0.8420% | 4,574 |
| Efficiency ratio | 91.1946% | 905 |
| Assets per employee ($millions) | 2.8033% | 6,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7556% | 2,438 |
| Loan loss allowance to noncurrent loans | 68.0519% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 3.9837% | 784 |
| Noncurrent loans to loans | 2.5798% | 1,652 |
| Net loans and leases to total assets | 65.8386% | 2,670 |
| Net loans and leases to deposits | 80.3617% | 2,360 |
| Net loans and leases to core deposits | 81.9472% | 2,878 |
| Total domestic deposits to total assets | 81.9278% | 4,956 |
| Equity capital to assets | 6.4796% | 6,645 |
| Core capital (leverage) ratio | 5.8710% | 6,727 |
| Tier 1 risk-based capital ratio | 8.8709% | 6,732 |
| Total risk-based capital ratio | 10.1278% | 6,733 |
| Memoranda: | ||
| Average total assets | $596,659,250 | 1,124 |
| Average earning assets | $521,176,250 | 1,175 |
| Average equity | $38,234,250 | 1,831 |
| Average total loans | $396,714,750 | 1,080 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4539% | 2,368 |
| Cost of funding earning assets | 1.0405% | 449 |
| Net interest margin | 3.4134% | 4,144 |
| Noninterest income to average assets | 0.6059% | 3,152 |
| Noninterest expense to average assets | 3.0105% | 2,967 |
| Loan and lease loss provision to assets | 0.1904% | 1,985 |
| Net operating income to assets | 1.0112% | 2,284 |
| Return on assets (ROA) | 1.0099% | 2,418 |
| Pretax return on assets | 0.3856% | 5,668 |
| Return on Equity (ROE) | 15.8184% | 688 |
| Retained earnings to average equity (ytd only) | 15.8184% | 197 |
| Net charge-offs to loans | 0.3307% | 1,864 |
| Credit loss provision to net charge-offs | 86.8502% | 2,501 |
| Earnings coverage of net charge-offs (x) | 2.6330% | 3,646 |
| Efficiency ratio | 83.8146% | 1,650 |
| Assets per employee ($millions) | 2.8525% | 6,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8361% | 2,309 |
| Loan loss allowance to noncurrent loans | 56.5298% | 4,946 |
| Noncurrent assets plus other real estate owned to assets | 4.5386% | 724 |
| Noncurrent loans to loans | 3.2480% | 1,352 |
| Net loans and leases to total assets | 65.7155% | 2,636 |
| Net loans and leases to deposits | 80.2411% | 2,289 |
| Net loans and leases to core deposits | 81.9051% | 2,810 |
| Total domestic deposits to total assets | 81.8976% | 5,091 |
| Equity capital to assets | 6.5631% | 6,676 |
| Core capital (leverage) ratio | 5.9622% | 6,755 |
| Tier 1 risk-based capital ratio | 8.9784% | 6,760 |
| Total risk-based capital ratio | 10.2360% | 6,763 |
| Memoranda: | ||
| Average total assets | $596,510,330 | 1,122 |
| Average earning assets | $521,116,000 | 1,180 |
| Average equity | $38,082,330 | 1,840 |
| Average total loans | $395,569,330 | 1,081 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4742% | 2,258 |
| Cost of funding earning assets | 1.0507% | 472 |
| Net interest margin | 3.4235% | 4,035 |
| Noninterest income to average assets | 0.6753% | 2,720 |
| Noninterest expense to average assets | 3.0354% | 2,878 |
| Loan and lease loss provision to assets | 0.1472% | 2,406 |
| Net operating income to assets | 0.4055% | 5,109 |
| Return on assets (ROA) | 0.4032% | 5,265 |
| Pretax return on assets | 0.4811% | 5,314 |
| Return on Equity (ROE) | 6.4058% | 3,815 |
| Retained earnings to average equity (ytd only) | 6.4058% | 2,453 |
| Net charge-offs to loans | 0.2372% | 2,026 |
| Credit loss provision to net charge-offs | 93.9914% | 1,953 |
| Earnings coverage of net charge-offs (x) | 4.0300% | 2,629 |
| Efficiency ratio | 82.6979% | 1,932 |
| Assets per employee ($millions) | 2.8475% | 6,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8814% | 2,362 |
| Loan loss allowance to noncurrent loans | 60.7087% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 4.7118% | 791 |
| Noncurrent loans to loans | 3.0990% | 1,604 |
| Net loans and leases to total assets | 64.8448% | 2,565 |
| Net loans and leases to deposits | 78.9681% | 2,215 |
| Net loans and leases to core deposits | 80.6007% | 2,736 |
| Total domestic deposits to total assets | 82.1152% | 5,154 |
| Equity capital to assets | 6.3080% | 6,808 |
| Core capital (leverage) ratio | 5.8981% | 6,814 |
| Tier 1 risk-based capital ratio | 8.9355% | 6,814 |
| Total risk-based capital ratio | 10.1931% | 6,819 |
| Memoranda: | ||
| Average total assets | $595,248,000 | 1,136 |
| Average earning assets | $520,048,500 | 1,192 |
| Average equity | $37,466,000 | 1,892 |
| Average total loans | $392,843,000 | 1,085 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7825% | 2,260 |
| Cost of funding earning assets | 1.3197% | 348 |
| Net interest margin | 3.4629% | 4,659 |
| Noninterest income to average assets | 0.5514% | 3,566 |
| Noninterest expense to average assets | 3.0245% | 3,183 |
| Loan and lease loss provision to assets | 0.1584% | 3,633 |
| Net operating income to assets | 0.3506% | 5,290 |
| Return on assets (ROA) | 0.4259% | 5,236 |
| Pretax return on assets | 0.4623% | 5,390 |
| Return on Equity (ROE) | 7.1383% | 3,560 |
| Retained earnings to average equity (ytd only) | 7.1383% | 1,504 |
| Net charge-offs to loans | 0.6338% | 1,851 |
| Credit loss provision to net charge-offs | 37.8208% | 4,975 |
| Earnings coverage of net charge-offs (x) | 1.2862% | 4,818 |
| Efficiency ratio | 84.7853% | 1,538 |
| Assets per employee ($millions) | 2.8082% | 6,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9076% | 2,274 |
| Loan loss allowance to noncurrent loans | 70.5999% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 4.6385% | 879 |
| Noncurrent loans to loans | 2.7019% | 1,958 |
| Net loans and leases to total assets | 64.6469% | 2,788 |
| Net loans and leases to deposits | 78.7841% | 2,426 |
| Net loans and leases to core deposits | 80.5290% | 2,936 |
| Total domestic deposits to total assets | 82.0558% | 5,074 |
| Equity capital to assets | 6.2802% | 6,868 |
| Core capital (leverage) ratio | 5.8030% | 6,870 |
| Tier 1 risk-based capital ratio | 8.7931% | 6,872 |
| Total risk-based capital ratio | 10.0515% | 6,874 |
| Memoranda: | ||
| Average total assets | $604,636,000 | 1,099 |
| Average earning assets | $525,893,400 | 1,146 |
| Average equity | $36,072,800 | 1,918 |
| Average total loans | $399,648,200 | 1,043 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8224% | 2,304 |
| Cost of funding earning assets | 1.3824% | 314 |
| Net interest margin | 3.4401% | 4,877 |
| Noninterest income to average assets | 0.6844% | 2,788 |
| Noninterest expense to average assets | 2.9834% | 3,290 |
| Loan and lease loss provision to assets | 0.1880% | 3,239 |
| Net operating income to assets | 0.4097% | 5,208 |
| Return on assets (ROA) | 0.4976% | 5,119 |
| Pretax return on assets | 0.6115% | 5,130 |
| Return on Equity (ROE) | 8.4495% | 3,065 |
| Retained earnings to average equity (ytd only) | 8.4495% | 1,426 |
| Net charge-offs to loans | 0.6741% | 1,635 |
| Credit loss provision to net charge-offs | 42.1752% | 4,568 |
| Earnings coverage of net charge-offs (x) | 1.5497% | 4,503 |
| Efficiency ratio | 81.1059% | 1,917 |
| Assets per employee ($millions) | 2.8389% | 6,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9727% | 2,253 |
| Loan loss allowance to noncurrent loans | 70.7755% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 4.9058% | 917 |
| Noncurrent loans to loans | 2.7872% | 2,022 |
| Net loans and leases to total assets | 65.1137% | 2,816 |
| Net loans and leases to deposits | 79.1766% | 2,514 |
| Net loans and leases to core deposits | 80.9119% | 3,097 |
| Total domestic deposits to total assets | 82.2386% | 4,937 |
| Equity capital to assets | 6.1832% | 6,974 |
| Core capital (leverage) ratio | 5.7337% | 6,968 |
| Tier 1 risk-based capital ratio | 8.5193% | 6,972 |
| Total risk-based capital ratio | 9.7784% | 6,972 |
| Memoranda: | ||
| Average total assets | $607,663,750 | 1,098 |
| Average earning assets | $528,157,250 | 1,153 |
| Average equity | $35,788,000 | 1,948 |
| Average total loans | $401,935,750 | 1,045 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8649% | 2,249 |
| Cost of funding earning assets | 1.4368% | 305 |
| Net interest margin | 3.4281% | 4,978 |
| Noninterest income to average assets | 0.7092% | 2,619 |
| Noninterest expense to average assets | 2.9855% | 3,315 |
| Loan and lease loss provision to assets | 0.2034% | 3,042 |
| Net operating income to assets | 0.4303% | 5,117 |
| Return on assets (ROA) | 0.4409% | 5,301 |
| Pretax return on assets | 0.5215% | 5,385 |
| Return on Equity (ROE) | 7.6107% | 3,441 |
| Retained earnings to average equity (ytd only) | 7.6107% | 1,809 |
| Net charge-offs to loans | 0.7910% | 1,391 |
| Credit loss provision to net charge-offs | 38.9342% | 4,287 |
| Earnings coverage of net charge-offs (x) | 1.3636% | 4,325 |
| Efficiency ratio | 80.6449% | 2,083 |
| Assets per employee ($millions) | 2.8271% | 6,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0087% | 2,203 |
| Loan loss allowance to noncurrent loans | 96.9529% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 4.3835% | 1,135 |
| Noncurrent loans to loans | 2.0718% | 2,861 |
| Net loans and leases to total assets | 65.5238% | 2,766 |
| Net loans and leases to deposits | 79.5893% | 2,439 |
| Net loans and leases to core deposits | 81.4253% | 3,034 |
| Total domestic deposits to total assets | 82.3274% | 5,007 |
| Equity capital to assets | 6.0537% | 7,024 |
| Core capital (leverage) ratio | 5.4889% | 7,030 |
| Tier 1 risk-based capital ratio | 8.3771% | 7,020 |
| Total risk-based capital ratio | 9.6371% | 7,023 |
| Memoranda: | ||
| Average total assets | $610,549,670 | 1,092 |
| Average earning assets | $532,299,000 | 1,151 |
| Average equity | $35,371,330 | 1,955 |
| Average total loans | $403,286,330 | 1,043 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7688% | 2,766 |
| Cost of funding earning assets | 1.4879% | 304 |
| Net interest margin | 3.2809% | 5,530 |
| Noninterest income to average assets | 0.7615% | 2,340 |
| Noninterest expense to average assets | 2.7993% | 4,028 |
| Loan and lease loss provision to assets | 0.3278% | 1,908 |
| Net operating income to assets | 0.4584% | 5,000 |
| Return on assets (ROA) | 0.3609% | 5,605 |
| Pretax return on assets | 0.3973% | 5,734 |
| Return on Equity (ROE) | 6.3696% | 4,105 |
| Retained earnings to average equity (ytd only) | 6.3696% | 2,760 |
| Net charge-offs to loans | 0.5942% | 1,608 |
| Credit loss provision to net charge-offs | 84.0266% | 2,663 |
| Earnings coverage of net charge-offs (x) | 2.1331% | 3,299 |
| Efficiency ratio | 76.9932% | 2,650 |
| Assets per employee ($millions) | 2.9129% | 6,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2248% | 1,834 |
| Loan loss allowance to noncurrent loans | 63.1222% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 4.9243% | 1,069 |
| Noncurrent loans to loans | 3.5246% | 1,767 |
| Net loans and leases to total assets | 64.1435% | 2,824 |
| Net loans and leases to deposits | 77.4336% | 2,603 |
| Net loans and leases to core deposits | 79.1719% | 3,157 |
| Total domestic deposits to total assets | 82.8368% | 4,996 |
| Equity capital to assets | 5.7845% | 7,090 |
| Core capital (leverage) ratio | 5.2310% | 7,098 |
| Tier 1 risk-based capital ratio | 8.1789% | 7,085 |
| Total risk-based capital ratio | 9.4432% | 7,084 |
| Memoranda: | ||
| Average total assets | $616,157,000 | 1,078 |
| Average earning assets | $539,000,000 | 1,133 |
| Average equity | $34,916,000 | 1,983 |
| Average total loans | $404,551,000 | 1,042 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8964% | 3,379 |
| Cost of funding earning assets | 1.6952% | 325 |
| Net interest margin | 3.2012% | 6,093 |
| Noninterest income to average assets | 0.4593% | 4,149 |
| Noninterest expense to average assets | 3.0700% | 3,310 |
| Loan and lease loss provision to assets | 0.7288% | 1,394 |
| Net operating income to assets | -0.9261% | 6,710 |
| Return on assets (ROA) | -0.9289% | 6,737 |
| Pretax return on assets | -0.5585% | 6,528 |
| Return on Equity (ROE) | -15.9349% | 6,905 |
| Retained earnings to average equity (ytd only) | -15.9349% | 6,885 |
| Net charge-offs to loans | 1.3876% | 1,178 |
| Credit loss provision to net charge-offs | 78.1965% | 4,544 |
| Earnings coverage of net charge-offs (x) | 0.1857% | 5,695 |
| Efficiency ratio | 94.5653% | 887 |
| Assets per employee ($millions) | 2.9837% | 6,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2128% | 1,783 |
| Loan loss allowance to noncurrent loans | 43.3930% | 5,409 |
| Noncurrent assets plus other real estate owned to assets | 6.0697% | 802 |
| Noncurrent loans to loans | 5.0995% | 1,099 |
| Net loans and leases to total assets | 64.2564% | 3,130 |
| Net loans and leases to deposits | 77.2557% | 2,959 |
| Net loans and leases to core deposits | 79.3564% | 3,527 |
| Total domestic deposits to total assets | 83.1736% | 4,680 |
| Equity capital to assets | 5.5507% | 7,124 |
| Core capital (leverage) ratio | 5.0709% | 7,139 |
| Tier 1 risk-based capital ratio | 7.8142% | 7,118 |
| Total risk-based capital ratio | 9.0764% | 7,120 |
| Memoranda: | ||
| Average total assets | $637,723,800 | 1,016 |
| Average earning assets | $554,576,200 | 1,070 |
| Average equity | $37,176,200 | 1,812 |
| Average total loans | $428,368,600 | 974 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9496% | 3,329 |
| Cost of funding earning assets | 1.7239% | 358 |
| Net interest margin | 3.2256% | 6,093 |
| Noninterest income to average assets | 0.4735% | 4,099 |
| Noninterest expense to average assets | 3.0336% | 3,422 |
| Loan and lease loss provision to assets | 0.8801% | 1,030 |
| Net operating income to assets | -0.3249% | 6,524 |
| Return on assets (ROA) | -0.3273% | 6,580 |
| Pretax return on assets | -0.6438% | 6,703 |
| Return on Equity (ROE) | -5.5504% | 6,696 |
| Retained earnings to average equity (ytd only) | -5.5504% | 6,618 |
| Net charge-offs to loans | 1.4209% | 1,043 |
| Credit loss provision to net charge-offs | 91.7316% | 3,717 |
| Earnings coverage of net charge-offs (x) | 0.2502% | 5,409 |
| Efficiency ratio | 92.5712% | 991 |
| Assets per employee ($millions) | 3.0086% | 6,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3909% | 1,546 |
| Loan loss allowance to noncurrent loans | 45.0519% | 5,324 |
| Noncurrent assets plus other real estate owned to assets | 6.1624% | 857 |
| Noncurrent loans to loans | 5.3070% | 1,144 |
| Net loans and leases to total assets | 63.9115% | 3,328 |
| Net loans and leases to deposits | 77.1101% | 3,151 |
| Net loans and leases to core deposits | 79.3775% | 3,726 |
| Total domestic deposits to total assets | 82.8835% | 4,726 |
| Equity capital to assets | 6.0879% | 7,177 |
| Core capital (leverage) ratio | 5.1408% | 7,219 |
| Tier 1 risk-based capital ratio | 7.8920% | 7,200 |
| Total risk-based capital ratio | 9.1573% | 7,202 |
| Memoranda: | ||
| Average total assets | $642,002,500 | 1,014 |
| Average earning assets | $557,312,000 | 1,072 |
| Average equity | $37,858,250 | 1,782 |
| Average total loans | $433,509,500 | 977 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9707% | 3,312 |
| Cost of funding earning assets | 1.7527% | 382 |
| Net interest margin | 3.2180% | 6,108 |
| Noninterest income to average assets | 0.4795% | 4,033 |
| Noninterest expense to average assets | 3.0497% | 3,434 |
| Loan and lease loss provision to assets | 1.1760% | 673 |
| Net operating income to assets | -0.5321% | 6,712 |
| Return on assets (ROA) | -0.5571% | 6,754 |
| Pretax return on assets | -0.9919% | 6,892 |
| Return on Equity (ROE) | -9.5491% | 6,925 |
| Retained earnings to average equity (ytd only) | -9.5491% | 6,861 |
| Net charge-offs to loans | 1.3435% | 1,138 |
| Credit loss provision to net charge-offs | 128.3537% | 2,379 |
| Earnings coverage of net charge-offs (x) | 0.2436% | 5,126 |
| Efficiency ratio | 93.0868% | 1,036 |
| Assets per employee ($millions) | 2.9441% | 6,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5952% | 1,318 |
| Loan loss allowance to noncurrent loans | 46.1968% | 5,246 |
| Noncurrent assets plus other real estate owned to assets | 6.4784% | 824 |
| Noncurrent loans to loans | 5.6176% | 1,112 |
| Net loans and leases to total assets | 65.8494% | 3,059 |
| Net loans and leases to deposits | 79.2625% | 2,929 |
| Net loans and leases to core deposits | 81.5477% | 3,572 |
| Total domestic deposits to total assets | 83.0777% | 4,723 |
| Equity capital to assets | 5.9047% | 7,256 |
| Core capital (leverage) ratio | 5.0916% | 7,295 |
| Tier 1 risk-based capital ratio | 7.5287% | 7,282 |
| Total risk-based capital ratio | 8.7924% | 7,284 |
| Memoranda: | ||
| Average total assets | $644,398,330 | 1,019 |
| Average earning assets | $559,358,000 | 1,079 |
| Average equity | $37,595,330 | 1,785 |
| Average total loans | $439,460,000 | 976 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9576% | 3,302 |
| Cost of funding earning assets | 1.8121% | 359 |
| Net interest margin | 3.1455% | 6,231 |
| Noninterest income to average assets | 0.4952% | 3,931 |
| Noninterest expense to average assets | 2.9410% | 3,888 |
| Loan and lease loss provision to assets | 2.2219% | 240 |
| Net operating income to assets | -1.1789% | 7,092 |
| Return on assets (ROA) | -1.2124% | 7,108 |
| Pretax return on assets | -1.9851% | 7,249 |
| Return on Equity (ROE) | -20.9049% | 7,229 |
| Retained earnings to average equity (ytd only) | -20.9049% | 7,169 |
| Net charge-offs to loans | 1.5379% | 884 |
| Credit loss provision to net charge-offs | 210.9485% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.2746% | 4,407 |
| Efficiency ratio | 90.9507% | 1,245 |
| Assets per employee ($millions) | 3.0554% | 6,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7896% | 1,123 |
| Loan loss allowance to noncurrent loans | 45.8590% | 5,255 |
| Noncurrent assets plus other real estate owned to assets | 6.6675% | 819 |
| Noncurrent loans to loans | 6.0831% | 1,035 |
| Net loans and leases to total assets | 66.3390% | 2,921 |
| Net loans and leases to deposits | 79.6112% | 2,787 |
| Net loans and leases to core deposits | 82.2494% | 3,422 |
| Total domestic deposits to total assets | 83.3288% | 4,778 |
| Equity capital to assets | 5.7295% | 7,316 |
| Core capital (leverage) ratio | 5.0089% | 7,362 |
| Tier 1 risk-based capital ratio | 7.4976% | 7,328 |
| Total risk-based capital ratio | 8.7681% | 7,331 |
| Memoranda: | ||
| Average total assets | $648,632,000 | 1,024 |
| Average earning assets | $563,980,000 | 1,078 |
| Average equity | $37,618,000 | 1,766 |
| Average total loans | $444,233,000 | 982 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4372% | 2,515 |
| Cost of funding earning assets | 2.1129% | 407 |
| Net interest margin | 3.3243% | 5,894 |
| Noninterest income to average assets | 0.3172% | 5,523 |
| Noninterest expense to average assets | 2.8322% | 4,469 |
| Loan and lease loss provision to assets | 0.7386% | 2,224 |
| Net operating income to assets | -0.0918% | 5,980 |
| Return on assets (ROA) | -0.2322% | 6,201 |
| Pretax return on assets | -0.5808% | 6,383 |
| Return on Equity (ROE) | -3.7382% | 6,342 |
| Retained earnings to average equity (ytd only) | -3.7382% | 6,185 |
| Net charge-offs to loans | 1.2933% | 1,725 |
| Credit loss provision to net charge-offs | 77.9058% | 5,637 |
| Earnings coverage of net charge-offs (x) | 0.3979% | 5,709 |
| Efficiency ratio | 88.1504% | 1,469 |
| Assets per employee ($millions) | 2.8138% | 6,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2903% | 1,712 |
| Loan loss allowance to noncurrent loans | 54.6581% | 4,740 |
| Noncurrent assets plus other real estate owned to assets | 5.2425% | 1,191 |
| Noncurrent loans to loans | 4.1902% | 1,727 |
| Net loans and leases to total assets | 67.1533% | 3,174 |
| Net loans and leases to deposits | 81.5966% | 2,886 |
| Net loans and leases to core deposits | 84.2299% | 3,566 |
| Total domestic deposits to total assets | 82.2992% | 5,091 |
| Equity capital to assets | 5.8681% | 7,358 |
| Core capital (leverage) ratio | 6.1005% | 7,282 |
| Tier 1 risk-based capital ratio | 8.8657% | 7,266 |
| Total risk-based capital ratio | 10.1288% | 7,274 |
| Memoranda: | ||
| Average total assets | $649,748,400 | 1,028 |
| Average earning assets | $565,293,200 | 1,072 |
| Average equity | $40,367,200 | 1,644 |
| Average total loans | $476,289,600 | 945 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5409% | 2,286 |
| Cost of funding earning assets | 2.1639% | 426 |
| Net interest margin | 3.3770% | 5,758 |
| Noninterest income to average assets | 0.4510% | 4,554 |
| Noninterest expense to average assets | 2.7428% | 4,711 |
| Loan and lease loss provision to assets | 0.6156% | 2,477 |
| Net operating income to assets | 0.1661% | 5,602 |
| Return on assets (ROA) | 0.0169% | 6,086 |
| Pretax return on assets | -0.2053% | 6,325 |
| Return on Equity (ROE) | 0.2677% | 6,060 |
| Retained earnings to average equity (ytd only) | 0.2677% | 5,677 |
| Net charge-offs to loans | 1.4120% | 1,442 |
| Credit loss provision to net charge-offs | 58.5485% | 5,736 |
| Earnings coverage of net charge-offs (x) | 0.6121% | 5,419 |
| Efficiency ratio | 80.9049% | 2,227 |
| Assets per employee ($millions) | 2.9477% | 6,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0406% | 2,121 |
| Loan loss allowance to noncurrent loans | 55.1983% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 4.8504% | 1,349 |
| Noncurrent loans to loans | 3.6969% | 2,106 |
| Net loans and leases to total assets | 70.4625% | 2,621 |
| Net loans and leases to deposits | 86.3023% | 2,272 |
| Net loans and leases to core deposits | 89.3839% | 3,192 |
| Total domestic deposits to total assets | 81.6462% | 5,147 |
| Equity capital to assets | 6.3911% | 7,437 |
| Core capital (leverage) ratio | 6.3265% | 7,378 |
| Tier 1 risk-based capital ratio | 8.7846% | 7,405 |
| Total risk-based capital ratio | 10.0446% | 7,413 |
| Memoranda: | ||
| Average total assets | $648,279,250 | 1,040 |
| Average earning assets | $563,480,750 | 1,078 |
| Average equity | $40,840,750 | 1,624 |
| Average total loans | $482,713,500 | 937 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6451% | 1,961 |
| Cost of funding earning assets | 2.1798% | 499 |
| Net interest margin | 3.4653% | 5,385 |
| Noninterest income to average assets | 0.5164% | 3,983 |
| Noninterest expense to average assets | 2.8701% | 4,188 |
| Loan and lease loss provision to assets | 0.5843% | 2,440 |
| Net operating income to assets | 0.2073% | 5,535 |
| Return on assets (ROA) | 0.0980% | 5,989 |
| Pretax return on assets | -0.0976% | 6,241 |
| Return on Equity (ROE) | 1.5625% | 5,775 |
| Retained earnings to average equity (ytd only) | 1.5625% | 5,078 |
| Net charge-offs to loans | 1.0537% | 1,784 |
| Credit loss provision to net charge-offs | 73.6371% | 4,869 |
| Earnings coverage of net charge-offs (x) | 0.8287% | 4,944 |
| Efficiency ratio | 81.2719% | 2,266 |
| Assets per employee ($millions) | 2.9352% | 6,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2829% | 1,616 |
| Loan loss allowance to noncurrent loans | 54.8336% | 4,654 |
| Noncurrent assets plus other real estate owned to assets | 5.1501% | 1,231 |
| Noncurrent loans to loans | 4.1634% | 1,792 |
| Net loans and leases to total assets | 72.6098% | 2,256 |
| Net loans and leases to deposits | 89.0666% | 1,991 |
| Net loans and leases to core deposits | 92.4638% | 2,923 |
| Total domestic deposits to total assets | 81.5231% | 5,191 |
| Equity capital to assets | 6.3339% | 7,493 |
| Core capital (leverage) ratio | 6.7883% | 7,286 |
| Tier 1 risk-based capital ratio | 9.0018% | 7,415 |
| Total risk-based capital ratio | 10.2643% | 7,423 |
| Memoranda: | ||
| Average total assets | $647,228,000 | 1,047 |
| Average earning assets | $562,433,670 | 1,087 |
| Average equity | $40,576,330 | 1,634 |
| Average total loans | $487,425,330 | 935 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6798% | 1,851 |
| Cost of funding earning assets | 2.2026% | 584 |
| Net interest margin | 3.4772% | 5,261 |
| Noninterest income to average assets | 0.4832% | 4,178 |
| Noninterest expense to average assets | 2.8399% | 4,320 |
| Loan and lease loss provision to assets | 0.7499% | 1,697 |
| Net operating income to assets | 0.1081% | 5,999 |
| Return on assets (ROA) | 0.1077% | 6,109 |
| Pretax return on assets | -0.0773% | 6,434 |
| Return on Equity (ROE) | 1.7261% | 5,872 |
| Retained earnings to average equity (ytd only) | 1.7261% | 5,075 |
| Net charge-offs to loans | 0.7223% | 2,057 |
| Credit loss provision to net charge-offs | 136.9492% | 2,575 |
| Earnings coverage of net charge-offs (x) | 1.2294% | 4,032 |
| Efficiency ratio | 80.7503% | 2,448 |
| Assets per employee ($millions) | 2.7433% | 6,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4301% | 1,389 |
| Loan loss allowance to noncurrent loans | 55.1509% | 4,652 |
| Noncurrent assets plus other real estate owned to assets | 4.6207% | 1,451 |
| Noncurrent loans to loans | 4.4062% | 1,710 |
| Net loans and leases to total assets | 74.4692% | 1,869 |
| Net loans and leases to deposits | 91.2554% | 1,718 |
| Net loans and leases to core deposits | 96.1516% | 2,568 |
| Total domestic deposits to total assets | 81.6053% | 5,233 |
| Equity capital to assets | 6.2481% | 7,582 |
| Core capital (leverage) ratio | 6.7540% | 7,375 |
| Tier 1 risk-based capital ratio | 8.7785% | 7,518 |
| Total risk-based capital ratio | 10.0426% | 7,540 |
| Memoranda: | ||
| Average total assets | $646,499,500 | 1,068 |
| Average earning assets | $563,332,000 | 1,110 |
| Average equity | $40,321,000 | 1,663 |
| Average total loans | $490,131,500 | 955 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9025% | 2,223 |
| Cost of funding earning assets | 2.6901% | 609 |
| Net interest margin | 3.2124% | 6,045 |
| Noninterest income to average assets | 0.6213% | 3,478 |
| Noninterest expense to average assets | 2.8862% | 4,583 |
| Loan and lease loss provision to assets | 1.4487% | 1,590 |
| Net operating income to assets | -0.3737% | 6,051 |
| Return on assets (ROA) | -0.8643% | 6,482 |
| Pretax return on assets | -1.6530% | 6,788 |
| Return on Equity (ROE) | -13.3394% | 6,850 |
| Retained earnings to average equity (ytd only) | -15.6650% | 6,918 |
| Net charge-offs to loans | 0.6342% | 3,301 |
| Credit loss provision to net charge-offs | 309.7294% | 1,065 |
| Earnings coverage of net charge-offs (x) | 1.2023% | 4,921 |
| Efficiency ratio | 83.6057% | 2,400 |
| Assets per employee ($millions) | 2.5823% | 7,067 |
| Cash dividends to net income (ytd only)* | -17.4338% | 7,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4029% | 1,345 |
| Loan loss allowance to noncurrent loans | 73.8416% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 3.7325% | 1,787 |
| Noncurrent loans to loans | 3.2541% | 2,343 |
| Net loans and leases to total assets | 73.4914% | 2,383 |
| Net loans and leases to deposits | 90.9575% | 2,055 |
| Net loans and leases to core deposits | 115.7259% | 2,351 |
| Total domestic deposits to total assets | 80.7976% | 5,405 |
| Equity capital to assets | 6.2255% | 7,621 |
| Core capital (leverage) ratio | 6.6312% | 7,434 |
| Tier 1 risk-based capital ratio | 8.9099% | 7,508 |
| Total risk-based capital ratio | 10.1739% | 7,522 |
| Memoranda: | ||
| Average total assets | $663,636,400 | 1,045 |
| Average earning assets | $584,076,800 | 1,081 |
| Average equity | $43,000,400 | 1,554 |
| Average total loans | $489,449,800 | 988 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9322% | 2,305 |
| Cost of funding earning assets | 2.7279% | 727 |
| Net interest margin | 3.2043% | 6,012 |
| Noninterest income to average assets | 0.7707% | 2,596 |
| Noninterest expense to average assets | 2.8703% | 4,567 |
| Loan and lease loss provision to assets | 0.2931% | 4,629 |
| Net operating income to assets | 0.6511% | 3,397 |
| Return on assets (ROA) | 0.2792% | 4,975 |
| Pretax return on assets | 0.0615% | 5,596 |
| Return on Equity (ROE) | 4.2681% | 4,264 |
| Retained earnings to average equity (ytd only) | 1.2173% | 4,644 |
| Net charge-offs to loans | 0.3155% | 4,068 |
| Credit loss provision to net charge-offs | 126.6379% | 3,967 |
| Earnings coverage of net charge-offs (x) | 3.1388% | 3,666 |
| Efficiency ratio | 79.7171% | 2,893 |
| Assets per employee ($millions) | 2.8730% | 6,470 |
| Cash dividends to net income (ytd only)* | 71.4795% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1151% | 5,629 |
| Loan loss allowance to noncurrent loans | 43.4231% | 5,420 |
| Noncurrent assets plus other real estate owned to assets | 3.3057% | 2,043 |
| Noncurrent loans to loans | 2.5681% | 2,936 |
| Net loans and leases to total assets | 73.8592% | 2,565 |
| Net loans and leases to deposits | 95.2519% | 1,677 |
| Net loans and leases to core deposits | 121.2088% | 2,140 |
| Total domestic deposits to total assets | 77.5409% | 6,207 |
| Equity capital to assets | 7.1505% | 7,523 |
| Core capital (leverage) ratio | 7.6662% | 6,777 |
| Tier 1 risk-based capital ratio | 9.6517% | 7,273 |
| Total risk-based capital ratio | 10.7001% | 7,372 |
| Memoranda: | ||
| Average total assets | $668,153,250 | 1,043 |
| Average earning assets | $589,313,500 | 1,084 |
| Average equity | $43,703,000 | 1,551 |
| Average total loans | $490,282,500 | 998 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0870% | 1,830 |
| Cost of funding earning assets | 2.7873% | 822 |
| Net interest margin | 3.2997% | 5,553 |
| Noninterest income to average assets | 0.8440% | 2,198 |
| Noninterest expense to average assets | 2.8727% | 4,613 |
| Loan and lease loss provision to assets | 0.2210% | 4,825 |
| Net operating income to assets | 0.6909% | 3,295 |
| Return on assets (ROA) | 0.7460% | 3,167 |
| Pretax return on assets | 0.7150% | 3,950 |
| Return on Equity (ROE) | 11.7636% | 1,495 |
| Retained earnings to average equity (ytd only) | 7.0676% | 1,555 |
| Net charge-offs to loans | 0.2776% | 3,810 |
| Credit loss provision to net charge-offs | 109.1176% | 4,237 |
| Earnings coverage of net charge-offs (x) | 4.3500% | 3,120 |
| Efficiency ratio | 76.4519% | 3,606 |
| Assets per employee ($millions) | 2.8841% | 6,432 |
| Cash dividends to net income (ytd only)* | 39.9202% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0678% | 5,799 |
| Loan loss allowance to noncurrent loans | 68.4589% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 2.0046% | 3,191 |
| Noncurrent loans to loans | 1.5598% | 4,158 |
| Net loans and leases to total assets | 72.4582% | 3,101 |
| Net loans and leases to deposits | 92.8839% | 2,296 |
| Net loans and leases to core deposits | 117.0104% | 2,627 |
| Total domestic deposits to total assets | 78.0095% | 6,075 |
| Equity capital to assets | 6.6153% | 7,783 |
| Core capital (leverage) ratio | 7.6324% | 6,855 |
| Tier 1 risk-based capital ratio | 9.3905% | 7,482 |
| Total risk-based capital ratio | 10.3413% | 7,660 |
| Memoranda: | ||
| Average total assets | $671,562,670 | 1,050 |
| Average earning assets | $592,179,670 | 1,093 |
| Average equity | $42,589,000 | 1,603 |
| Average total loans | $489,904,000 | 1,015 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2220% | 1,527 |
| Cost of funding earning assets | 2.8406% | 887 |
| Net interest margin | 3.3814% | 5,208 |
| Noninterest income to average assets | 0.9079% | 1,819 |
| Noninterest expense to average assets | 2.9923% | 3,803 |
| Loan and lease loss provision to assets | 0.2313% | 4,141 |
| Net operating income to assets | 0.7039% | 3,538 |
| Return on assets (ROA) | 0.7640% | 3,457 |
| Pretax return on assets | 0.7218% | 4,349 |
| Return on Equity (ROE) | 12.3109% | 1,566 |
| Retained earnings to average equity (ytd only) | 2.7304% | 4,370 |
| Net charge-offs to loans | 0.2033% | 3,415 |
| Credit loss provision to net charge-offs | 156.2249% | 2,691 |
| Earnings coverage of net charge-offs (x) | 6.0321% | 2,559 |
| Efficiency ratio | 76.9396% | 3,338 |
| Assets per employee ($millions) | 2.7544% | 6,757 |
| Cash dividends to net income (ytd only)* | 77.8210% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0856% | 5,572 |
| Loan loss allowance to noncurrent loans | 91.9972% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 1.5129% | 3,664 |
| Noncurrent loans to loans | 1.1800% | 4,615 |
| Net loans and leases to total assets | 71.4172% | 3,370 |
| Net loans and leases to deposits | 90.9707% | 2,780 |
| Net loans and leases to core deposits | 116.2313% | 2,781 |
| Total domestic deposits to total assets | 78.5058% | 5,862 |
| Equity capital to assets | 6.2451% | 7,947 |
| Core capital (leverage) ratio | 7.5149% | 7,148 |
| Tier 1 risk-based capital ratio | 9.2052% | 7,672 |
| Total risk-based capital ratio | 10.1741% | 7,872 |
| Memoranda: | ||
| Average total assets | $672,786,500 | 1,044 |
| Average earning assets | $592,412,500 | 1,090 |
| Average equity | $41,751,500 | 1,634 |
| Average total loans | $489,825,000 | 1,029 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6037% | 2,474 |
| Cost of funding earning assets | 3.2423% | 1,061 |
| Net interest margin | 3.3614% | 5,813 |
| Noninterest income to average assets | 0.6378% | 3,572 |
| Noninterest expense to average assets | 3.5511% | 2,265 |
| Loan and lease loss provision to assets | 0.2386% | 4,515 |
| Net operating income to assets | 0.0905% | 6,133 |
| Return on assets (ROA) | 0.1037% | 5,944 |
| Pretax return on assets | -0.1279% | 6,299 |
| Return on Equity (ROE) | 1.6005% | 5,739 |
| Retained earnings to average equity (ytd only) | -4.1901% | 6,361 |
| Net charge-offs to loans | 0.2212% | 4,015 |
| Credit loss provision to net charge-offs | 151.5729% | 3,457 |
| Earnings coverage of net charge-offs (x) | 0.5729% | 5,883 |
| Efficiency ratio | 97.4405% | 1,081 |
| Assets per employee ($millions) | 2.6827% | 6,819 |
| Cash dividends to net income (ytd only)* | 361.7945% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0544% | 5,587 |
| Loan loss allowance to noncurrent loans | 74.5853% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 1.6056% | 3,039 |
| Noncurrent loans to loans | 1.4137% | 3,688 |
| Net loans and leases to total assets | 72.6443% | 3,449 |
| Net loans and leases to deposits | 92.6292% | 3,026 |
| Net loans and leases to core deposits | 120.0399% | 2,687 |
| Total domestic deposits to total assets | 78.4248% | 5,574 |
| Equity capital to assets | 6.1658% | 8,030 |
| Core capital (leverage) ratio | 7.0784% | 7,635 |
| Tier 1 risk-based capital ratio | 9.9183% | 6,824 |
| Total risk-based capital ratio | 10.9959% | 6,926 |
| Memoranda: | ||
| Average total assets | $666,331,400 | 1,004 |
| Average earning assets | $595,375,800 | 1,029 |
| Average equity | $43,172,800 | 1,558 |
| Average total loans | $474,212,800 | 1,017 |