| 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 | 4.3874% | 2,064 |
| Cost of funding earning assets | 0.4706% | 2,602 |
| Net interest margin | 3.9168% | 2,039 |
| Noninterest income to average assets | 0.2075% | 4,903 |
| Noninterest expense to average assets | 1.4296% | 5,510 |
| Loan and lease loss provision to assets | 0.0403% | 3,461 |
| Net operating income to assets | 1.7279% | 494 |
| Return on assets (ROA) | 1.7282% | 507 |
| Pretax return on assets | 2.5198% | 172 |
| Return on Equity (ROE) | 12.5192% | 1,075 |
| Retained earnings to average equity (ytd only) | -51.0415% | 5,658 |
| Net charge-offs to loans | 0.0594% | 2,617 |
| Credit loss provision to net charge-offs | 113.0435% | 2,307 |
| Earnings coverage of net charge-offs (x) | 71.8696% | 837 |
| Efficiency ratio | 35.8357% | 5,583 |
| Assets per employee ($millions) | 9.5325% | 369 |
| Cash dividends to net income (ytd only)* | 507.7061% | 22 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0609% | 3,553 |
| Loan loss allowance to noncurrent loans | 230.5895% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.2858% | 3,743 |
| Noncurrent loans to loans | 0.4601% | 3,130 |
| Net loans and leases to total assets | 61.4562% | 3,686 |
| Net loans and leases to deposits | 73.1936% | 3,577 |
| Net loans and leases to core deposits | 82.7398% | 3,173 |
| Total domestic deposits to total assets | 83.9639% | 3,225 |
| Equity capital to assets | 9.1057% | 4,613 |
| Core capital (leverage) ratio | 9.1871% | 4,411 |
| Tier 1 risk-based capital ratio | 15.1781% | 2,762 |
| Total risk-based capital ratio | 16.2486% | 2,780 |
| Memoranda: |
| Average total assets | $322,887,800 | 2,051 |
| Average earning assets | $311,758,200 | 1,981 |
| Average equity | $44,571,600 | 1,674 |
| Average total loans | $193,499,400 | 2,214 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3330% | 2,164 |
| Cost of funding earning assets | 0.4672% | 2,546 |
| Net interest margin | 3.8658% | 2,162 |
| Noninterest income to average assets | 0.1752% | 5,139 |
| Noninterest expense to average assets | 1.4175% | 5,570 |
| Loan and lease loss provision to assets | 0.0402% | 3,307 |
| Net operating income to assets | 1.6614% | 624 |
| Return on assets (ROA) | 1.6617% | 644 |
| Pretax return on assets | 2.4523% | 227 |
| Return on Equity (ROE) | 11.1215% | 1,651 |
| Retained earnings to average equity (ytd only) | -8.5951% | 5,600 |
| Net charge-offs to loans | 0.0746% | 2,068 |
| Credit loss provision to net charge-offs | 90.7407% | 2,450 |
| Earnings coverage of net charge-offs (x) | 56.2393% | 1,036 |
| Efficiency ratio | 36.2577% | 5,636 |
| Assets per employee ($millions) | 9.6414% | 356 |
| Cash dividends to net income (ytd only)* | 177.2837% | 72 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0660% | 3,697 |
| Loan loss allowance to noncurrent loans | 215.3523% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.2989% | 3,874 |
| Noncurrent loans to loans | 0.4950% | 3,213 |
| Net loans and leases to total assets | 59.7429% | 3,896 |
| Net loans and leases to deposits | 76.1289% | 3,364 |
| Net loans and leases to core deposits | 86.9045% | 2,879 |
| Total domestic deposits to total assets | 78.4759% | 4,630 |
| Equity capital to assets | 15.3772% | 658 |
| Core capital (leverage) ratio | 15.2353% | 614 |
| Tier 1 risk-based capital ratio | 25.8246% | 690 |
| Total risk-based capital ratio | 26.9038% | 691 |
| Memoranda: |
| Average total assets | $324,966,750 | 2,051 |
| Average earning assets | $313,924,500 | 1,983 |
| Average equity | $48,553,500 | 1,571 |
| Average total loans | $193,025,000 | 2,232 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2512% | 2,284 |
| Cost of funding earning assets | 0.4638% | 2,466 |
| Net interest margin | 3.7873% | 2,334 |
| Noninterest income to average assets | 0.2903% | 4,480 |
| Noninterest expense to average assets | 1.4106% | 5,618 |
| Loan and lease loss provision to assets | 0.0189% | 3,591 |
| Net operating income to assets | 1.7021% | 566 |
| Return on assets (ROA) | 1.7021% | 573 |
| Pretax return on assets | 2.5138% | 208 |
| Return on Equity (ROE) | 11.5012% | 1,465 |
| Retained earnings to average equity (ytd only) | -14.8463% | 5,702 |
| Net charge-offs to loans | 0.0062% | 3,236 |
| Credit loss provision to net charge-offs | 516.6667% | 646 |
| Earnings coverage of net charge-offs (x) | 690.6667% | 114 |
| Efficiency ratio | 35.7719% | 5,699 |
| Assets per employee ($millions) | 9.7868% | 324 |
| Cash dividends to net income (ytd only)* | 229.0844% | 58 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0717% | 3,732 |
| Loan loss allowance to noncurrent loans | 118.4196% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 0.5446% | 2,950 |
| Noncurrent loans to loans | 0.9050% | 2,165 |
| Net loans and leases to total assets | 59.5391% | 3,883 |
| Net loans and leases to deposits | 74.2089% | 3,523 |
| Net loans and leases to core deposits | 83.1208% | 3,162 |
| Total domestic deposits to total assets | 80.2319% | 4,358 |
| Equity capital to assets | 15.0128% | 699 |
| Core capital (leverage) ratio | 14.9701% | 634 |
| Tier 1 risk-based capital ratio | 24.9365% | 757 |
| Total risk-based capital ratio | 26.0068% | 755 |
| Memoranda: |
| Average total assets | $327,234,000 | 2,037 |
| Average earning assets | $315,631,330 | 1,978 |
| Average equity | $48,429,670 | 1,575 |
| Average total loans | $193,323,670 | 2,228 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1349% | 2,532 |
| Cost of funding earning assets | 0.4647% | 2,384 |
| Net interest margin | 3.6701% | 2,603 |
| Noninterest income to average assets | 0.2878% | 4,494 |
| Noninterest expense to average assets | 1.4003% | 5,694 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6444% | 617 |
| Return on assets (ROA) | 1.6444% | 633 |
| Pretax return on assets | 2.4265% | 243 |
| Return on Equity (ROE) | 11.1897% | 1,501 |
| Retained earnings to average equity (ytd only) | -41.5359% | 5,814 |
| Net charge-offs to loans | 0.0021% | 2,894 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1,998.0000% | 16 |
| Efficiency ratio | 36.5916% | 5,745 |
| Assets per employee ($millions) | 9.9205% | 314 |
| Cash dividends to net income (ytd only)* | 471.1965% | 43 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0559% | 3,955 |
| Loan loss allowance to noncurrent loans | 319.4099% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.2172% | 4,349 |
| Noncurrent loans to loans | 0.3306% | 3,925 |
| Net loans and leases to total assets | 58.8804% | 3,897 |
| Net loans and leases to deposits | 72.2921% | 3,585 |
| Net loans and leases to core deposits | 80.2158% | 3,277 |
| Total domestic deposits to total assets | 81.4480% | 4,312 |
| Equity capital to assets | 14.0828% | 877 |
| Core capital (leverage) ratio | 14.3478% | 754 |
| Tier 1 risk-based capital ratio | 24.0461% | 866 |
| Total risk-based capital ratio | 25.0964% | 866 |
| Memoranda: |
| Average total assets | $329,369,000 | 2,045 |
| Average earning assets | $317,592,000 | 1,980 |
| Average equity | $48,401,500 | 1,572 |
| Average total loans | $192,799,000 | 2,241 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0687% | 2,959 |
| Cost of funding earning assets | 0.5035% | 2,063 |
| Net interest margin | 3.5652% | 3,205 |
| Noninterest income to average assets | 0.2881% | 4,677 |
| Noninterest expense to average assets | 1.4254% | 5,762 |
| Loan and lease loss provision to assets | 0.0656% | 3,052 |
| Net operating income to assets | 1.5184% | 798 |
| Return on assets (ROA) | 1.5184% | 827 |
| Pretax return on assets | 2.2420% | 301 |
| Return on Equity (ROE) | 9.7007% | 2,103 |
| Retained earnings to average equity (ytd only) | 8.1108% | 816 |
| Net charge-offs to loans | 0.0026% | 4,175 |
| Credit loss provision to net charge-offs | 4,220.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 1,483.6000% | 38 |
| Efficiency ratio | 38.1833% | 5,812 |
| Assets per employee ($millions) | 10.3550% | 279 |
| Cash dividends to net income (ytd only)* | 16.3901% | 3,845 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0787% | 3,835 |
| Loan loss allowance to noncurrent loans | 201.5671% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.3081% | 4,040 |
| Noncurrent loans to loans | 0.5352% | 3,248 |
| Net loans and leases to total assets | 56.9536% | 4,169 |
| Net loans and leases to deposits | 70.4457% | 3,860 |
| Net loans and leases to core deposits | 78.2748% | 3,553 |
| Total domestic deposits to total assets | 80.8475% | 4,368 |
| Equity capital to assets | 15.3002% | 598 |
| Core capital (leverage) ratio | 16.2844% | 430 |
| Tier 1 risk-based capital ratio | 26.9055% | 621 |
| Total risk-based capital ratio | 27.9679% | 627 |
| Memoranda: |
| Average total assets | $321,458,200 | 2,051 |
| Average earning assets | $310,615,200 | 1,971 |
| Average equity | $50,315,800 | 1,512 |
| Average total loans | $191,814,200 | 2,193 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1042% | 2,860 |
| Cost of funding earning assets | 0.5115% | 2,003 |
| Net interest margin | 3.5928% | 3,101 |
| Noninterest income to average assets | 0.2863% | 4,722 |
| Noninterest expense to average assets | 1.4563% | 5,789 |
| Loan and lease loss provision to assets | 0.0635% | 2,973 |
| Net operating income to assets | 1.5160% | 851 |
| Return on assets (ROA) | 1.5160% | 903 |
| Pretax return on assets | 2.2400% | 353 |
| Return on Equity (ROE) | 9.6294% | 2,213 |
| Retained earnings to average equity (ytd only) | 8.4347% | 1,003 |
| Net charge-offs to loans | 0.0007% | 3,934 |
| Credit loss provision to net charge-offs | 15,200.0000% | 27 |
| Earnings coverage of net charge-offs (x) | 5,524.6767% | 8 |
| Efficiency ratio | 38.7326% | 5,855 |
| Assets per employee ($millions) | 9.9802% | 299 |
| Cash dividends to net income (ytd only)* | 12.4070% | 3,486 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0309% | 4,237 |
| Loan loss allowance to noncurrent loans | 90.1035% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 0.6961% | 2,827 |
| Noncurrent loans to loans | 1.1442% | 1,964 |
| Net loans and leases to total assets | 60.2092% | 3,847 |
| Net loans and leases to deposits | 75.7152% | 3,431 |
| Net loans and leases to core deposits | 84.8125% | 3,053 |
| Total domestic deposits to total assets | 79.5206% | 4,616 |
| Equity capital to assets | 16.3096% | 511 |
| Core capital (leverage) ratio | 16.1466% | 451 |
| Tier 1 risk-based capital ratio | 26.5038% | 679 |
| Total risk-based capital ratio | 27.5406% | 676 |
| Memoranda: |
| Average total assets | $318,982,500 | 2,070 |
| Average earning assets | $308,389,000 | 1,990 |
| Average equity | $50,220,000 | 1,519 |
| Average total loans | $192,072,750 | 2,185 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0696% | 2,994 |
| Cost of funding earning assets | 0.5118% | 2,012 |
| Net interest margin | 3.5578% | 3,267 |
| Noninterest income to average assets | 0.2816% | 4,774 |
| Noninterest expense to average assets | 1.4590% | 5,868 |
| Loan and lease loss provision to assets | 0.0640% | 2,866 |
| Net operating income to assets | 1.4878% | 916 |
| Return on assets (ROA) | 1.4878% | 960 |
| Pretax return on assets | 2.1991% | 381 |
| Return on Equity (ROE) | 9.5650% | 2,247 |
| Retained earnings to average equity (ytd only) | 9.5650% | 699 |
| Net charge-offs to loans | 0.0010% | 3,668 |
| Credit loss provision to net charge-offs | 10,200.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 3,608.0000% | 10 |
| Efficiency ratio | 39.1978% | 5,924 |
| Assets per employee ($millions) | 9.8323% | 302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0075% | 4,476 |
| Loan loss allowance to noncurrent loans | 325.5000% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.1907% | 4,725 |
| Noncurrent loans to loans | 0.3095% | 4,258 |
| Net loans and leases to total assets | 60.9918% | 3,752 |
| Net loans and leases to deposits | 75.7394% | 3,410 |
| Net loans and leases to core deposits | 84.4412% | 3,040 |
| Total domestic deposits to total assets | 80.5285% | 4,402 |
| Equity capital to assets | 16.1699% | 519 |
| Core capital (leverage) ratio | 15.7398% | 492 |
| Tier 1 risk-based capital ratio | 25.7085% | 743 |
| Total risk-based capital ratio | 26.7138% | 751 |
| Memoranda: |
| Average total assets | $318,855,000 | 2,080 |
| Average earning assets | $308,337,670 | 2,000 |
| Average equity | $49,597,670 | 1,536 |
| Average total loans | $191,333,670 | 2,198 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0588% | 3,001 |
| Cost of funding earning assets | 0.5061% | 2,059 |
| Net interest margin | 3.5527% | 3,263 |
| Noninterest income to average assets | 0.2679% | 4,815 |
| Noninterest expense to average assets | 1.4681% | 5,925 |
| Loan and lease loss provision to assets | 0.0673% | 2,615 |
| Net operating income to assets | 1.4718% | 901 |
| Return on assets (ROA) | 1.4718% | 944 |
| Pretax return on assets | 2.1709% | 403 |
| Return on Equity (ROE) | 9.6490% | 2,134 |
| Retained earnings to average equity (ytd only) | 9.6490% | 939 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6100% | 5,973 |
| Assets per employee ($millions) | 10.0117% | 277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9974% | 4,629 |
| Loan loss allowance to noncurrent loans | 487.4680% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.1220% | 5,092 |
| Noncurrent loans to loans | 0.2046% | 4,689 |
| Net loans and leases to total assets | 59.0516% | 3,911 |
| Net loans and leases to deposits | 72.4862% | 3,607 |
| Net loans and leases to core deposits | 81.2742% | 3,205 |
| Total domestic deposits to total assets | 81.4660% | 4,364 |
| Equity capital to assets | 15.5450% | 594 |
| Core capital (leverage) ratio | 15.4887% | 534 |
| Tier 1 risk-based capital ratio | 26.1991% | 722 |
| Total risk-based capital ratio | 27.2148% | 723 |
| Memoranda: |
| Average total assets | $320,965,500 | 2,079 |
| Average earning assets | $310,634,000 | 1,990 |
| Average equity | $48,958,500 | 1,549 |
| Average total loans | $190,073,500 | 2,212 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8465% | 3,896 |
| Cost of funding earning assets | 0.4868% | 2,293 |
| Net interest margin | 3.3597% | 4,078 |
| Noninterest income to average assets | 0.2939% | 4,783 |
| Noninterest expense to average assets | 1.4746% | 5,998 |
| Loan and lease loss provision to assets | 0.0319% | 3,727 |
| Net operating income to assets | 1.3864% | 1,062 |
| Return on assets (ROA) | 1.3870% | 1,106 |
| Pretax return on assets | 2.0390% | 500 |
| Return on Equity (ROE) | 9.2581% | 2,340 |
| Retained earnings to average equity (ytd only) | 9.2581% | 596 |
| Net charge-offs to loans | 0.0045% | 4,290 |
| Credit loss provision to net charge-offs | 1,225.0000% | 275 |
| Earnings coverage of net charge-offs (x) | 794.8750% | 79 |
| Efficiency ratio | 41.6016% | 6,037 |
| Assets per employee ($millions) | 10.0487% | 271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9796% | 4,718 |
| Loan loss allowance to noncurrent loans | 325.4833% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.1770% | 4,898 |
| Noncurrent loans to loans | 0.3010% | 4,379 |
| Net loans and leases to total assets | 58.2177% | 4,052 |
| Net loans and leases to deposits | 71.3084% | 3,784 |
| Net loans and leases to core deposits | 79.8944% | 3,359 |
| Total domestic deposits to total assets | 81.6421% | 4,290 |
| Equity capital to assets | 14.9631% | 671 |
| Core capital (leverage) ratio | 15.5945% | 523 |
| Tier 1 risk-based capital ratio | 25.7692% | 753 |
| Total risk-based capital ratio | 26.7646% | 755 |
| Memoranda: |
| Average total assets | $307,206,400 | 2,111 |
| Average earning assets | $297,232,600 | 2,033 |
| Average equity | $46,024,400 | 1,601 |
| Average total loans | $178,039,600 | 2,262 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8431% | 3,958 |
| Cost of funding earning assets | 0.4854% | 2,362 |
| Net interest margin | 3.3577% | 4,116 |
| Noninterest income to average assets | 0.3030% | 4,768 |
| Noninterest expense to average assets | 1.4729% | 6,059 |
| Loan and lease loss provision to assets | 0.0277% | 3,697 |
| Net operating income to assets | 1.3934% | 1,122 |
| Return on assets (ROA) | 1.3934% | 1,173 |
| Pretax return on assets | 2.0494% | 543 |
| Return on Equity (ROE) | 9.2976% | 2,419 |
| Retained earnings to average equity (ytd only) | 9.2976% | 791 |
| Net charge-offs to loans | 0.0015% | 4,132 |
| Credit loss provision to net charge-offs | 3,150.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 2,361.9888% | 19 |
| Efficiency ratio | 41.4894% | 6,099 |
| Assets per employee ($millions) | 9.4643% | 330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0199% | 4,643 |
| Loan loss allowance to noncurrent loans | 177.3346% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.3394% | 4,417 |
| Noncurrent loans to loans | 0.5751% | 3,609 |
| Net loans and leases to total assets | 58.4185% | 4,089 |
| Net loans and leases to deposits | 72.8169% | 3,669 |
| Net loans and leases to core deposits | 82.0589% | 3,244 |
| Total domestic deposits to total assets | 80.2266% | 4,688 |
| Equity capital to assets | 15.5704% | 635 |
| Core capital (leverage) ratio | 15.6752% | 535 |
| Tier 1 risk-based capital ratio | 26.4729% | 732 |
| Total risk-based capital ratio | 27.5037% | 730 |
| Memoranda: |
| Average total assets | $303,618,750 | 2,141 |
| Average earning assets | $293,610,500 | 2,066 |
| Average equity | $45,501,750 | 1,625 |
| Average total loans | $175,285,750 | 2,301 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8029% | 4,056 |
| Cost of funding earning assets | 0.4817% | 2,417 |
| Net interest margin | 3.3212% | 4,209 |
| Noninterest income to average assets | 0.3008% | 4,802 |
| Noninterest expense to average assets | 1.4486% | 6,143 |
| Loan and lease loss provision to assets | 0.0415% | 3,282 |
| Net operating income to assets | 1.3729% | 1,141 |
| Return on assets (ROA) | 1.3729% | 1,186 |
| Pretax return on assets | 2.0239% | 571 |
| Return on Equity (ROE) | 9.2814% | 2,388 |
| Retained earnings to average equity (ytd only) | 9.2814% | 832 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2249% | 6,180 |
| Assets per employee ($millions) | 9.3080% | 333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0467% | 4,625 |
| Loan loss allowance to noncurrent loans | 189.1192% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.3240% | 4,584 |
| Noncurrent loans to loans | 0.5535% | 3,798 |
| Net loans and leases to total assets | 57.9251% | 4,110 |
| Net loans and leases to deposits | 71.3614% | 3,778 |
| Net loans and leases to core deposits | 80.5267% | 3,332 |
| Total domestic deposits to total assets | 81.1715% | 4,558 |
| Equity capital to assets | 15.3725% | 634 |
| Core capital (leverage) ratio | 15.2746% | 579 |
| Tier 1 risk-based capital ratio | 25.8106% | 793 |
| Total risk-based capital ratio | 26.8414% | 798 |
| Memoranda: |
| Average total assets | $303,873,000 | 2,159 |
| Average earning assets | $293,986,000 | 2,079 |
| Average equity | $44,950,330 | 1,660 |
| Average total loans | $174,132,000 | 2,325 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7405% | 4,229 |
| Cost of funding earning assets | 0.4768% | 2,486 |
| Net interest margin | 3.2636% | 4,371 |
| Noninterest income to average assets | 0.3063% | 4,737 |
| Noninterest expense to average assets | 1.4273% | 6,218 |
| Loan and lease loss provision to assets | 0.0834% | 2,302 |
| Net operating income to assets | 1.3217% | 1,204 |
| Return on assets (ROA) | 1.3217% | 1,287 |
| Pretax return on assets | 1.9539% | 642 |
| Return on Equity (ROE) | 9.1082% | 2,396 |
| Retained earnings to average equity (ytd only) | 9.1082% | 1,160 |
| Net charge-offs to loans | -0.0046% | 4,476 |
| Credit loss provision to net charge-offs | -3,200.0000% | 5,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.1964% | 6,245 |
| Assets per employee ($millions) | 9.5111% | 302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0501% | 4,762 |
| Loan loss allowance to noncurrent loans | 284.7352% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.2109% | 5,104 |
| Noncurrent loans to loans | 0.3688% | 4,484 |
| Net loans and leases to total assets | 56.5933% | 4,139 |
| Net loans and leases to deposits | 70.7764% | 3,665 |
| Net loans and leases to core deposits | 79.6052% | 3,212 |
| Total domestic deposits to total assets | 79.9606% | 5,059 |
| Equity capital to assets | 14.8484% | 743 |
| Core capital (leverage) ratio | 14.7719% | 642 |
| Tier 1 risk-based capital ratio | 25.6590% | 821 |
| Total risk-based capital ratio | 26.7111% | 822 |
| Memoranda: |
| Average total assets | $306,881,000 | 2,151 |
| Average earning assets | $296,969,000 | 2,070 |
| Average equity | $44,531,500 | 1,678 |
| Average total loans | $174,018,500 | 2,327 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8923% | 4,145 |
| Cost of funding earning assets | 0.4903% | 2,770 |
| Net interest margin | 3.4020% | 4,192 |
| Noninterest income to average assets | 0.3361% | 4,709 |
| Noninterest expense to average assets | 1.5310% | 6,280 |
| Loan and lease loss provision to assets | 0.0386% | 3,800 |
| Net operating income to assets | 1.3704% | 1,139 |
| Return on assets (ROA) | 1.3697% | 1,185 |
| Pretax return on assets | 2.0402% | 477 |
| Return on Equity (ROE) | 9.6110% | 2,295 |
| Retained earnings to average equity (ytd only) | 9.6110% | 581 |
| Net charge-offs to loans | -0.0024% | 5,391 |
| Credit loss provision to net charge-offs | -2,800.0000% | 6,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4002% | 6,361 |
| Assets per employee ($millions) | 9.9808% | 256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0129% | 4,975 |
| Loan loss allowance to noncurrent loans | 264.1679% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.2156% | 5,164 |
| Noncurrent loans to loans | 0.3834% | 4,490 |
| Net loans and leases to total assets | 55.6557% | 4,373 |
| Net loans and leases to deposits | 70.2934% | 3,868 |
| Net loans and leases to core deposits | 79.2076% | 3,387 |
| Total domestic deposits to total assets | 79.1762% | 5,213 |
| Equity capital to assets | 14.1791% | 905 |
| Core capital (leverage) ratio | 14.7065% | 663 |
| Tier 1 risk-based capital ratio | 26.2812% | 738 |
| Total risk-based capital ratio | 27.3450% | 738 |
| Memoranda: |
| Average total assets | $290,066,400 | 2,214 |
| Average earning assets | $279,216,600 | 2,138 |
| Average equity | $41,338,000 | 1,730 |
| Average total loans | $164,765,600 | 2,379 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9284% | 4,060 |
| Cost of funding earning assets | 0.4961% | 2,801 |
| Net interest margin | 3.4323% | 4,099 |
| Noninterest income to average assets | 0.3496% | 4,645 |
| Noninterest expense to average assets | 1.5496% | 6,323 |
| Loan and lease loss provision to assets | 0.0374% | 3,654 |
| Net operating income to assets | 1.3827% | 1,166 |
| Return on assets (ROA) | 1.3818% | 1,212 |
| Pretax return on assets | 2.0600% | 494 |
| Return on Equity (ROE) | 9.6825% | 2,357 |
| Retained earnings to average equity (ytd only) | 9.6825% | 782 |
| Net charge-offs to loans | -0.0049% | 5,294 |
| Credit loss provision to net charge-offs | -1,333.3333% | 5,915 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4728% | 6,405 |
| Assets per employee ($millions) | 9.2010% | 315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0340% | 5,055 |
| Loan loss allowance to noncurrent loans | 393.6364% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.1543% | 5,568 |
| Noncurrent loans to loans | 0.2627% | 5,121 |
| Net loans and leases to total assets | 58.1205% | 4,055 |
| Net loans and leases to deposits | 74.7582% | 3,334 |
| Net loans and leases to core deposits | 83.9556% | 2,887 |
| Total domestic deposits to total assets | 77.7446% | 5,577 |
| Equity capital to assets | 14.8939% | 754 |
| Core capital (leverage) ratio | 15.0776% | 607 |
| Tier 1 risk-based capital ratio | 26.9938% | 712 |
| Total risk-based capital ratio | 28.0946% | 699 |
| Memoranda: |
| Average total assets | $285,231,500 | 2,256 |
| Average earning assets | $274,133,750 | 2,181 |
| Average equity | $40,704,750 | 1,765 |
| Average total loans | $162,466,000 | 2,417 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8690% | 4,265 |
| Cost of funding earning assets | 0.4956% | 2,876 |
| Net interest margin | 3.3733% | 4,299 |
| Noninterest income to average assets | 0.3471% | 4,655 |
| Noninterest expense to average assets | 1.5279% | 6,401 |
| Loan and lease loss provision to assets | 0.0238% | 3,799 |
| Net operating income to assets | 1.3666% | 1,143 |
| Return on assets (ROA) | 1.3652% | 1,189 |
| Pretax return on assets | 2.0383% | 512 |
| Return on Equity (ROE) | 9.7077% | 2,281 |
| Retained earnings to average equity (ytd only) | 9.7077% | 791 |
| Net charge-offs to loans | -0.0075% | 5,257 |
| Credit loss provision to net charge-offs | -566.6667% | 5,597 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5337% | 6,467 |
| Assets per employee ($millions) | 9.3527% | 292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0242% | 5,245 |
| Loan loss allowance to noncurrent loans | 406.2651% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.1479% | 5,705 |
| Noncurrent loans to loans | 0.2521% | 5,253 |
| Net loans and leases to total assets | 58.0701% | 3,985 |
| Net loans and leases to deposits | 73.4227% | 3,399 |
| Net loans and leases to core deposits | 82.3918% | 2,926 |
| Total domestic deposits to total assets | 79.0901% | 5,438 |
| Equity capital to assets | 14.8115% | 748 |
| Core capital (leverage) ratio | 14.5026% | 701 |
| Tier 1 risk-based capital ratio | 26.5101% | 734 |
| Total risk-based capital ratio | 27.5890% | 729 |
| Memoranda: |
| Average total assets | $285,232,000 | 2,254 |
| Average earning assets | $274,388,330 | 2,181 |
| Average equity | $40,112,330 | 1,777 |
| Average total loans | $160,785,000 | 2,438 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7742% | 4,591 |
| Cost of funding earning assets | 0.4918% | 2,995 |
| Net interest margin | 3.2823% | 4,614 |
| Noninterest income to average assets | 0.3352% | 4,694 |
| Noninterest expense to average assets | 1.5218% | 6,480 |
| Loan and lease loss provision to assets | 0.0195% | 3,571 |
| Net operating income to assets | 1.3020% | 1,204 |
| Return on assets (ROA) | 1.2992% | 1,261 |
| Pretax return on assets | 1.9460% | 597 |
| Return on Equity (ROE) | 9.4848% | 2,257 |
| Retained earnings to average equity (ytd only) | 9.4848% | 1,110 |
| Net charge-offs to loans | -0.0076% | 4,939 |
| Credit loss provision to net charge-offs | -466.6667% | 5,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5857% | 6,508 |
| Assets per employee ($millions) | 9.5414% | 274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0401% | 5,351 |
| Loan loss allowance to noncurrent loans | 358.4052% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.1621% | 5,753 |
| Noncurrent loans to loans | 0.2902% | 5,245 |
| Net loans and leases to total assets | 55.2761% | 4,240 |
| Net loans and leases to deposits | 69.2163% | 3,707 |
| Net loans and leases to core deposits | 77.5003% | 3,250 |
| Total domestic deposits to total assets | 79.8600% | 5,514 |
| Equity capital to assets | 13.9659% | 929 |
| Core capital (leverage) ratio | 14.1530% | 774 |
| Tier 1 risk-based capital ratio | 26.6763% | 731 |
| Total risk-based capital ratio | 27.7750% | 733 |
| Memoranda: |
| Average total assets | $287,558,000 | 2,250 |
| Average earning assets | $276,511,000 | 2,173 |
| Average equity | $39,389,500 | 1,788 |
| Average total loans | $158,868,000 | 2,474 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7787% | 4,881 |
| Cost of funding earning assets | 0.4832% | 3,787 |
| Net interest margin | 3.2955% | 4,683 |
| Noninterest income to average assets | 0.2822% | 5,337 |
| Noninterest expense to average assets | 1.5490% | 6,542 |
| Loan and lease loss provision to assets | 0.0333% | 4,454 |
| Net operating income to assets | 1.2609% | 1,357 |
| Return on assets (ROA) | 1.2614% | 1,414 |
| Pretax return on assets | 1.8608% | 665 |
| Return on Equity (ROE) | 9.3074% | 2,411 |
| Retained earnings to average equity (ytd only) | 9.3074% | 708 |
| Net charge-offs to loans | 0.0333% | 4,768 |
| Credit loss provision to net charge-offs | 180.3922% | 1,273 |
| Earnings coverage of net charge-offs (x) | 102.6275% | 457 |
| Efficiency ratio | 44.9979% | 6,588 |
| Assets per employee ($millions) | 9.6292% | 260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0428% | 5,368 |
| Loan loss allowance to noncurrent loans | 347.2574% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.1641% | 5,823 |
| Noncurrent loans to loans | 0.3003% | 5,287 |
| Net loans and leases to total assets | 54.0732% | 4,574 |
| Net loans and leases to deposits | 68.8320% | 3,930 |
| Net loans and leases to core deposits | 76.7372% | 3,527 |
| Total domestic deposits to total assets | 78.5582% | 5,729 |
| Equity capital to assets | 13.4325% | 1,096 |
| Core capital (leverage) ratio | 13.6415% | 915 |
| Tier 1 risk-based capital ratio | 26.6451% | 721 |
| Total risk-based capital ratio | 27.7580% | 709 |
| Memoranda: |
| Average total assets | $276,441,000 | 2,302 |
| Average earning assets | $265,090,400 | 2,220 |
| Average equity | $37,464,800 | 1,850 |
| Average total loans | $153,318,600 | 2,516 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7707% | 4,958 |
| Cost of funding earning assets | 0.4772% | 3,998 |
| Net interest margin | 3.2934% | 4,665 |
| Noninterest income to average assets | 0.2785% | 5,453 |
| Noninterest expense to average assets | 1.5473% | 6,602 |
| Loan and lease loss provision to assets | 0.0337% | 4,346 |
| Net operating income to assets | 1.2616% | 1,450 |
| Return on assets (ROA) | 1.2619% | 1,517 |
| Pretax return on assets | 1.8556% | 786 |
| Return on Equity (ROE) | 9.2896% | 2,499 |
| Retained earnings to average equity (ytd only) | 9.2896% | 972 |
| Net charge-offs to loans | 0.0166% | 4,794 |
| Credit loss provision to net charge-offs | 363.1579% | 727 |
| Earnings coverage of net charge-offs (x) | 203.8113% | 283 |
| Efficiency ratio | 45.0312% | 6,628 |
| Assets per employee ($millions) | 9.4457% | 273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0533% | 5,516 |
| Loan loss allowance to noncurrent loans | 278.1513% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.2172% | 5,800 |
| Noncurrent loans to loans | 0.3787% | 5,268 |
| Net loans and leases to total assets | 56.7588% | 4,209 |
| Net loans and leases to deposits | 72.8407% | 3,422 |
| Net loans and leases to core deposits | 82.2477% | 2,850 |
| Total domestic deposits to total assets | 77.9218% | 5,918 |
| Equity capital to assets | 13.8501% | 1,005 |
| Core capital (leverage) ratio | 14.0425% | 859 |
| Tier 1 risk-based capital ratio | 25.8576% | 797 |
| Total risk-based capital ratio | 26.9701% | 795 |
| Memoranda: |
| Average total assets | $273,332,500 | 2,324 |
| Average earning assets | $262,052,250 | 2,242 |
| Average equity | $37,130,250 | 1,878 |
| Average total loans | $152,185,750 | 2,540 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7304% | 5,049 |
| Cost of funding earning assets | 0.4729% | 4,172 |
| Net interest margin | 3.2575% | 4,743 |
| Noninterest income to average assets | 0.2724% | 5,502 |
| Noninterest expense to average assets | 1.5377% | 6,651 |
| Loan and lease loss provision to assets | 0.0330% | 4,275 |
| Net operating income to assets | 1.2494% | 1,458 |
| Return on assets (ROA) | 1.2499% | 1,550 |
| Pretax return on assets | 1.8247% | 883 |
| Return on Equity (ROE) | 9.2619% | 2,513 |
| Retained earnings to average equity (ytd only) | 9.2619% | 1,043 |
| Net charge-offs to loans | 0.0292% | 4,281 |
| Credit loss provision to net charge-offs | 204.5455% | 1,171 |
| Earnings coverage of net charge-offs (x) | 115.2727% | 419 |
| Efficiency ratio | 45.2977% | 6,673 |
| Assets per employee ($millions) | 8.6657% | 345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0437% | 5,655 |
| Loan loss allowance to noncurrent loans | 285.1138% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.2126% | 5,863 |
| Noncurrent loans to loans | 0.3661% | 5,361 |
| Net loans and leases to total assets | 57.4601% | 4,069 |
| Net loans and leases to deposits | 73.2952% | 3,251 |
| Net loans and leases to core deposits | 83.3729% | 2,646 |
| Total domestic deposits to total assets | 78.3954% | 5,894 |
| Equity capital to assets | 13.7341% | 1,039 |
| Core capital (leverage) ratio | 13.9769% | 830 |
| Tier 1 risk-based capital ratio | 24.7142% | 903 |
| Total risk-based capital ratio | 25.7857% | 914 |
| Memoranda: |
| Average total assets | $273,134,670 | 2,340 |
| Average earning assets | $261,795,670 | 2,252 |
| Average equity | $36,860,670 | 1,893 |
| Average total loans | $150,537,000 | 2,567 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6375% | 5,343 |
| Cost of funding earning assets | 0.4689% | 4,382 |
| Net interest margin | 3.1686% | 5,035 |
| Noninterest income to average assets | 0.2600% | 5,601 |
| Noninterest expense to average assets | 1.5179% | 6,728 |
| Loan and lease loss provision to assets | 0.0320% | 4,047 |
| Net operating income to assets | 1.1649% | 1,626 |
| Return on assets (ROA) | 1.1649% | 1,734 |
| Pretax return on assets | 1.7430% | 988 |
| Return on Equity (ROE) | 8.7071% | 2,626 |
| Retained earnings to average equity (ytd only) | 8.7071% | 1,487 |
| Net charge-offs to loans | 0.0352% | 3,530 |
| Credit loss provision to net charge-offs | 169.2308% | 1,241 |
| Earnings coverage of net charge-offs (x) | 94.0000% | 408 |
| Efficiency ratio | 46.0962% | 6,688 |
| Assets per employee ($millions) | 8.8492% | 332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0946% | 5,629 |
| Loan loss allowance to noncurrent loans | 319.8020% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.1841% | 6,019 |
| Noncurrent loans to loans | 0.3423% | 5,544 |
| Net loans and leases to total assets | 53.1937% | 4,532 |
| Net loans and leases to deposits | 67.5507% | 3,827 |
| Net loans and leases to core deposits | 75.4838% | 3,389 |
| Total domestic deposits to total assets | 78.7463% | 6,006 |
| Equity capital to assets | 13.5311% | 1,201 |
| Core capital (leverage) ratio | 13.3437% | 1,000 |
| Tier 1 risk-based capital ratio | 25.7177% | 819 |
| Total risk-based capital ratio | 26.8523% | 814 |
| Memoranda: |
| Average total assets | $275,383,500 | 2,342 |
| Average earning assets | $263,587,500 | 2,268 |
| Average equity | $36,843,500 | 1,925 |
| Average total loans | $147,812,000 | 2,618 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8504% | 5,707 |
| Cost of funding earning assets | 0.5095% | 5,153 |
| Net interest margin | 3.3409% | 5,103 |
| Noninterest income to average assets | 0.2423% | 5,715 |
| Noninterest expense to average assets | 1.6141% | 6,792 |
| Loan and lease loss provision to assets | 0.0456% | 5,271 |
| Net operating income to assets | 1.1869% | 1,648 |
| Return on assets (ROA) | 1.1869% | 1,808 |
| Pretax return on assets | 1.7807% | 953 |
| Return on Equity (ROE) | 8.9834% | 2,642 |
| Retained earnings to average equity (ytd only) | 8.9834% | 827 |
| Net charge-offs to loans | 0.0999% | 4,667 |
| Credit loss provision to net charge-offs | 85.7143% | 3,639 |
| Earnings coverage of net charge-offs (x) | 34.2929% | 912 |
| Efficiency ratio | 46.9151% | 6,756 |
| Assets per employee ($millions) | 8.9175% | 331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0838% | 5,616 |
| Loan loss allowance to noncurrent loans | 223.5376% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.2597% | 5,898 |
| Noncurrent loans to loans | 0.4849% | 5,315 |
| Net loans and leases to total assets | 52.9878% | 4,762 |
| Net loans and leases to deposits | 67.0007% | 4,133 |
| Net loans and leases to core deposits | 73.7999% | 3,811 |
| Total domestic deposits to total assets | 79.0854% | 5,868 |
| Equity capital to assets | 13.2280% | 1,343 |
| Core capital (leverage) ratio | 12.9376% | 1,135 |
| Tier 1 risk-based capital ratio | 25.1415% | 837 |
| Total risk-based capital ratio | 26.2697% | 842 |
| Memoranda: |
| Average total assets | $262,874,000 | 2,406 |
| Average earning assets | $251,638,800 | 2,305 |
| Average equity | $34,730,600 | 1,996 |
| Average total loans | $140,162,000 | 2,715 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8815% | 5,829 |
| Cost of funding earning assets | 0.5244% | 5,279 |
| Net interest margin | 3.3572% | 5,192 |
| Noninterest income to average assets | 0.2543% | 5,748 |
| Noninterest expense to average assets | 1.6309% | 6,849 |
| Loan and lease loss provision to assets | 0.0462% | 5,198 |
| Net operating income to assets | 1.1931% | 1,769 |
| Return on assets (ROA) | 1.1931% | 1,944 |
| Pretax return on assets | 1.7979% | 1,053 |
| Return on Equity (ROE) | 9.0336% | 2,786 |
| Retained earnings to average equity (ytd only) | 9.0336% | 1,218 |
| Net charge-offs to loans | 0.1505% | 3,903 |
| Credit loss provision to net charge-offs | 57.6923% | 4,215 |
| Earnings coverage of net charge-offs (x) | 23.0069% | 1,331 |
| Efficiency ratio | 46.9318% | 6,773 |
| Assets per employee ($millions) | 8.0824% | 464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0902% | 5,759 |
| Loan loss allowance to noncurrent loans | 289.2393% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.2084% | 6,190 |
| Noncurrent loans to loans | 0.3769% | 5,717 |
| Net loans and leases to total assets | 54.6853% | 4,640 |
| Net loans and leases to deposits | 64.1705% | 4,690 |
| Net loans and leases to core deposits | 70.0856% | 4,490 |
| Total domestic deposits to total assets | 85.2187% | 3,654 |
| Equity capital to assets | 13.8773% | 1,203 |
| Core capital (leverage) ratio | 13.5050% | 1,008 |
| Tier 1 risk-based capital ratio | 25.3529% | 882 |
| Total risk-based capital ratio | 26.4845% | 876 |
| Memoranda: |
| Average total assets | $259,481,750 | 2,467 |
| Average earning assets | $248,933,500 | 2,359 |
| Average equity | $34,271,250 | 2,037 |
| Average total loans | $138,181,000 | 2,772 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8604% | 6,010 |
| Cost of funding earning assets | 0.5316% | 5,420 |
| Net interest margin | 3.3287% | 5,351 |
| Noninterest income to average assets | 0.2495% | 5,794 |
| Noninterest expense to average assets | 1.6446% | 6,889 |
| Loan and lease loss provision to assets | 0.0462% | 5,097 |
| Net operating income to assets | 1.1549% | 1,863 |
| Return on assets (ROA) | 1.1549% | 2,071 |
| Pretax return on assets | 1.7501% | 1,138 |
| Return on Equity (ROE) | 8.8939% | 2,859 |
| Retained earnings to average equity (ytd only) | 8.8939% | 1,309 |
| Net charge-offs to loans | 0.2123% | 3,298 |
| Credit loss provision to net charge-offs | 41.3793% | 4,236 |
| Earnings coverage of net charge-offs (x) | 16.0897% | 1,611 |
| Efficiency ratio | 47.7959% | 6,791 |
| Assets per employee ($millions) | 7.7811% | 520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1028% | 5,762 |
| Loan loss allowance to noncurrent loans | 258.3893% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.2321% | 6,190 |
| Noncurrent loans to loans | 0.4268% | 5,679 |
| Net loans and leases to total assets | 53.7829% | 4,843 |
| Net loans and leases to deposits | 62.7260% | 4,913 |
| Net loans and leases to core deposits | 68.9510% | 4,674 |
| Total domestic deposits to total assets | 85.7425% | 3,489 |
| Equity capital to assets | 13.5082% | 1,302 |
| Core capital (leverage) ratio | 13.2679% | 1,064 |
| Tier 1 risk-based capital ratio | 24.9413% | 908 |
| Total risk-based capital ratio | 26.0687% | 907 |
| Memoranda: |
| Average total assets | $259,763,000 | 2,463 |
| Average earning assets | $249,043,330 | 2,362 |
| Average equity | $33,731,000 | 2,053 |
| Average total loans | $136,576,000 | 2,804 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7927% | 6,260 |
| Cost of funding earning assets | 0.5302% | 5,606 |
| Net interest margin | 3.2626% | 5,601 |
| Noninterest income to average assets | 0.2297% | 5,980 |
| Noninterest expense to average assets | 1.6459% | 6,941 |
| Loan and lease loss provision to assets | 0.0459% | 4,827 |
| Net operating income to assets | 1.0993% | 2,086 |
| Return on assets (ROA) | 1.0993% | 2,279 |
| Pretax return on assets | 1.6658% | 1,388 |
| Return on Equity (ROE) | 8.6367% | 2,979 |
| Retained earnings to average equity (ytd only) | 8.6367% | 1,721 |
| Net charge-offs to loans | 0.0207% | 4,398 |
| Credit loss provision to net charge-offs | 428.5714% | 745 |
| Earnings coverage of net charge-offs (x) | 159.7143% | 227 |
| Efficiency ratio | 49.0196% | 6,740 |
| Assets per employee ($millions) | 7.8156% | 530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2029% | 5,467 |
| Loan loss allowance to noncurrent loans | 206.7754% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.3090% | 6,115 |
| Noncurrent loans to loans | 0.5817% | 5,503 |
| Net loans and leases to total assets | 52.4818% | 4,951 |
| Net loans and leases to deposits | 60.8971% | 5,056 |
| Net loans and leases to core deposits | 66.0217% | 4,905 |
| Total domestic deposits to total assets | 86.1812% | 3,423 |
| Equity capital to assets | 13.0353% | 1,424 |
| Core capital (leverage) ratio | 12.8910% | 1,165 |
| Tier 1 risk-based capital ratio | 25.2548% | 879 |
| Total risk-based capital ratio | 26.5066% | 860 |
| Memoranda: |
| Average total assets | $261,256,000 | 2,470 |
| Average earning assets | $250,478,000 | 2,359 |
| Average equity | $33,253,500 | 2,081 |
| Average total loans | $135,043,000 | 2,853 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9267% | 6,579 |
| Cost of funding earning assets | 0.6452% | 5,853 |
| Net interest margin | 3.2814% | 5,871 |
| Noninterest income to average assets | 0.4132% | 4,505 |
| Noninterest expense to average assets | 1.7901% | 6,966 |
| Loan and lease loss provision to assets | 0.1514% | 4,730 |
| Net operating income to assets | 1.0616% | 1,957 |
| Return on assets (ROA) | 1.1094% | 1,912 |
| Pretax return on assets | 1.6813% | 1,030 |
| Return on Equity (ROE) | 9.0145% | 2,435 |
| Retained earnings to average equity (ytd only) | 9.0145% | 795 |
| Net charge-offs to loans | 0.0235% | 6,111 |
| Credit loss provision to net charge-offs | 1,193.5484% | 181 |
| Earnings coverage of net charge-offs (x) | 138.8065% | 243 |
| Efficiency ratio | 50.4206% | 6,804 |
| Assets per employee ($millions) | 8.2686% | 426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2211% | 5,288 |
| Loan loss allowance to noncurrent loans | 381.4554% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.1610% | 6,544 |
| Noncurrent loans to loans | 0.3201% | 6,093 |
| Net loans and leases to total assets | 49.6810% | 5,631 |
| Net loans and leases to deposits | 57.1845% | 5,779 |
| Net loans and leases to core deposits | 61.1022% | 5,742 |
| Total domestic deposits to total assets | 86.8785% | 2,828 |
| Equity capital to assets | 12.4291% | 1,839 |
| Core capital (leverage) ratio | 12.3080% | 1,434 |
| Tier 1 risk-based capital ratio | 26.0102% | 776 |
| Total risk-based capital ratio | 27.2606% | 767 |
| Memoranda: |
| Average total assets | $244,453,400 | 2,586 |
| Average earning assets | $233,708,800 | 2,463 |
| Average equity | $30,084,800 | 2,195 |
| Average total loans | $131,739,000 | 2,957 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0097% | 6,568 |
| Cost of funding earning assets | 0.6771% | 5,894 |
| Net interest margin | 3.3326% | 5,764 |
| Noninterest income to average assets | 0.3921% | 4,723 |
| Noninterest expense to average assets | 1.8015% | 6,997 |
| Loan and lease loss provision to assets | 0.0501% | 5,823 |
| Net operating income to assets | 1.1384% | 1,844 |
| Return on assets (ROA) | 1.2034% | 1,750 |
| Pretax return on assets | 1.8238% | 911 |
| Return on Equity (ROE) | 9.8055% | 2,272 |
| Retained earnings to average equity (ytd only) | 9.8055% | 900 |
| Net charge-offs to loans | 0.0061% | 6,092 |
| Credit loss provision to net charge-offs | 1,500.0000% | 177 |
| Earnings coverage of net charge-offs (x) | 531.3200% | 70 |
| Efficiency ratio | 50.3659% | 6,806 |
| Assets per employee ($millions) | 7.2521% | 650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0216% | 6,161 |
| Loan loss allowance to noncurrent loans | 229.8658% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.2490% | 6,440 |
| Noncurrent loans to loans | 0.4444% | 5,955 |
| Net loans and leases to total assets | 55.4626% | 4,924 |
| Net loans and leases to deposits | 64.7467% | 5,082 |
| Net loans and leases to core deposits | 70.2468% | 4,921 |
| Total domestic deposits to total assets | 85.6609% | 3,407 |
| Equity capital to assets | 13.5326% | 1,356 |
| Core capital (leverage) ratio | 13.3687% | 1,089 |
| Tier 1 risk-based capital ratio | 24.5734% | 951 |
| Total risk-based capital ratio | 25.6289% | 957 |
| Memoranda: |
| Average total assets | $239,417,750 | 2,652 |
| Average earning assets | $228,806,500 | 2,530 |
| Average equity | $29,384,250 | 2,236 |
| Average total loans | $131,404,000 | 2,983 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9753% | 6,701 |
| Cost of funding earning assets | 0.6971% | 5,979 |
| Net interest margin | 3.2782% | 5,918 |
| Noninterest income to average assets | 0.3784% | 4,863 |
| Noninterest expense to average assets | 1.7607% | 7,121 |
| Loan and lease loss provision to assets | 0.0501% | 5,686 |
| Net operating income to assets | 1.1202% | 1,816 |
| Return on assets (ROA) | 1.2178% | 1,601 |
| Pretax return on assets | 1.8459% | 799 |
| Return on Equity (ROE) | 10.2735% | 2,023 |
| Retained earnings to average equity (ytd only) | 10.2735% | 786 |
| Net charge-offs to loans | -0.0031% | 6,546 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1785% | 6,927 |
| Assets per employee ($millions) | 7.1178% | 685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0150% | 6,270 |
| Loan loss allowance to noncurrent loans | 284.3882% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.2018% | 6,605 |
| Noncurrent loans to loans | 0.3569% | 6,200 |
| Net loans and leases to total assets | 55.9652% | 5,000 |
| Net loans and leases to deposits | 65.0745% | 5,138 |
| Net loans and leases to core deposits | 69.4713% | 5,128 |
| Total domestic deposits to total assets | 86.0018% | 3,328 |
| Equity capital to assets | 13.3724% | 1,349 |
| Core capital (leverage) ratio | 13.2897% | 1,065 |
| Tier 1 risk-based capital ratio | 24.6656% | 933 |
| Total risk-based capital ratio | 25.7326% | 938 |
| Memoranda: |
| Average total assets | $239,451,000 | 2,665 |
| Average earning assets | $228,660,000 | 2,546 |
| Average equity | $28,383,670 | 2,287 |
| Average total loans | $130,504,670 | 3,029 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9031% | 6,819 |
| Cost of funding earning assets | 0.7234% | 6,011 |
| Net interest margin | 3.1797% | 6,132 |
| Noninterest income to average assets | 0.3210% | 5,353 |
| Noninterest expense to average assets | 1.7391% | 7,198 |
| Loan and lease loss provision to assets | 0.0496% | 5,380 |
| Net operating income to assets | 1.0328% | 2,057 |
| Return on assets (ROA) | 1.2261% | 1,513 |
| Pretax return on assets | 1.8582% | 729 |
| Return on Equity (ROE) | 11.0307% | 1,732 |
| Retained earnings to average equity (ytd only) | 11.0307% | 898 |
| Net charge-offs to loans | 0.0062% | 5,039 |
| Credit loss provision to net charge-offs | 1,500.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 488.0000% | 48 |
| Efficiency ratio | 51.8500% | 6,866 |
| Assets per employee ($millions) | 7.6193% | 555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0089% | 6,358 |
| Loan loss allowance to noncurrent loans | 249.3359% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.2231% | 6,612 |
| Noncurrent loans to loans | 0.4047% | 6,191 |
| Net loans and leases to total assets | 54.5820% | 5,222 |
| Net loans and leases to deposits | 62.9494% | 5,391 |
| Net loans and leases to core deposits | 67.3533% | 5,377 |
| Total domestic deposits to total assets | 86.7077% | 3,116 |
| Equity capital to assets | 12.8414% | 1,453 |
| Core capital (leverage) ratio | 12.8414% | 1,181 |
| Tier 1 risk-based capital ratio | 24.3581% | 937 |
| Total risk-based capital ratio | 25.4134% | 943 |
| Memoranda: |
| Average total assets | $241,733,000 | 2,646 |
| Average earning assets | $230,586,500 | 2,539 |
| Average equity | $26,870,500 | 2,389 |
| Average total loans | $129,355,500 | 3,077 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4017% | 6,616 |
| Cost of funding earning assets | 0.9089% | 6,140 |
| Net interest margin | 3.4928% | 5,273 |
| Noninterest income to average assets | 0.3526% | 5,282 |
| Noninterest expense to average assets | 1.8841% | 7,181 |
| Loan and lease loss provision to assets | 0.1723% | 5,497 |
| Net operating income to assets | 1.0541% | 1,860 |
| Return on assets (ROA) | 1.0587% | 1,937 |
| Pretax return on assets | 1.6037% | 1,120 |
| Return on Equity (ROE) | 10.1894% | 1,858 |
| Retained earnings to average equity (ytd only) | 10.1894% | 480 |
| Net charge-offs to loans | 0.0680% | 6,119 |
| Credit loss provision to net charge-offs | 435.2941% | 534 |
| Earnings coverage of net charge-offs (x) | 44.6824% | 520 |
| Efficiency ratio | 51.5747% | 7,018 |
| Assets per employee ($millions) | 8.2423% | 441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0010% | 6,381 |
| Loan loss allowance to noncurrent loans | 255.1587% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.2038% | 6,715 |
| Noncurrent loans to loans | 0.3923% | 6,265 |
| Net loans and leases to total assets | 51.4379% | 5,998 |
| Net loans and leases to deposits | 57.1479% | 6,337 |
| Net loans and leases to core deposits | 59.9218% | 6,396 |
| Total domestic deposits to total assets | 90.0085% | 1,095 |
| Equity capital to assets | 9.4674% | 4,446 |
| Core capital (leverage) ratio | 9.3748% | 3,892 |
| Tier 1 risk-based capital ratio | 19.1546% | 1,683 |
| Total risk-based capital ratio | 20.2612% | 1,686 |
| Memoranda: |
| Average total assets | $214,696,800 | 2,929 |
| Average earning assets | $202,875,800 | 2,835 |
| Average equity | $22,307,600 | 2,843 |
| Average total loans | $124,954,400 | 3,215 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5405% | 6,492 |
| Cost of funding earning assets | 0.9533% | 6,156 |
| Net interest margin | 3.5871% | 4,938 |
| Noninterest income to average assets | 0.3576% | 5,308 |
| Noninterest expense to average assets | 1.9494% | 7,138 |
| Loan and lease loss provision to assets | 0.0581% | 6,486 |
| Net operating income to assets | 1.1411% | 1,762 |
| Return on assets (ROA) | 1.1445% | 1,854 |
| Pretax return on assets | 1.7338% | 1,043 |
| Return on Equity (ROE) | 10.7296% | 1,870 |
| Retained earnings to average equity (ytd only) | 10.7296% | 644 |
| Net charge-offs to loans | 0.0860% | 5,674 |
| Credit loss provision to net charge-offs | 112.5000% | 3,744 |
| Earnings coverage of net charge-offs (x) | 34.6013% | 776 |
| Efficiency ratio | 52.1769% | 6,957 |
| Assets per employee ($millions) | 7.1618% | 721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7861% | 7,034 |
| Loan loss allowance to noncurrent loans | 113.5955% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 0.4515% | 6,298 |
| Noncurrent loans to loans | 0.6920% | 5,823 |
| Net loans and leases to total assets | 59.3889% | 5,023 |
| Net loans and leases to deposits | 67.0326% | 5,546 |
| Net loans and leases to core deposits | 70.5124% | 5,697 |
| Total domestic deposits to total assets | 88.5970% | 1,627 |
| Equity capital to assets | 10.7882% | 3,182 |
| Core capital (leverage) ratio | 10.4661% | 2,718 |
| Tier 1 risk-based capital ratio | 20.3061% | 1,483 |
| Total risk-based capital ratio | 21.2950% | 1,508 |
| Memoranda: |
| Average total assets | $206,553,750 | 3,058 |
| Average earning assets | $194,542,000 | 2,986 |
| Average equity | $22,032,000 | 2,915 |
| Average total loans | $124,074,000 | 3,280 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5520% | 6,586 |
| Cost of funding earning assets | 0.9874% | 6,209 |
| Net interest margin | 3.5645% | 4,975 |
| Noninterest income to average assets | 0.3582% | 5,280 |
| Noninterest expense to average assets | 1.9756% | 7,149 |
| Loan and lease loss provision to assets | 0.0589% | 6,368 |
| Net operating income to assets | 1.1061% | 1,837 |
| Return on assets (ROA) | 1.1080% | 1,895 |
| Pretax return on assets | 1.6782% | 1,093 |
| Return on Equity (ROE) | 10.4297% | 1,953 |
| Retained earnings to average equity (ytd only) | 10.4297% | 760 |
| Net charge-offs to loans | 0.0914% | 5,222 |
| Credit loss provision to net charge-offs | 107.1429% | 3,802 |
| Earnings coverage of net charge-offs (x) | 31.5536% | 888 |
| Efficiency ratio | 53.2540% | 6,957 |
| Assets per employee ($millions) | 6.6531% | 894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7938% | 7,048 |
| Loan loss allowance to noncurrent loans | 159.0190% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.5361% | 6,129 |
| Noncurrent loans to loans | 0.4992% | 6,251 |
| Net loans and leases to total assets | 62.9296% | 4,483 |
| Net loans and leases to deposits | 71.3601% | 5,098 |
| Net loans and leases to core deposits | 75.4445% | 5,256 |
| Total domestic deposits to total assets | 88.1860% | 1,893 |
| Equity capital to assets | 11.2464% | 2,645 |
| Core capital (leverage) ratio | 10.9362% | 2,287 |
| Tier 1 risk-based capital ratio | 19.1344% | 1,691 |
| Total risk-based capital ratio | 20.0615% | 1,735 |
| Memoranda: |
| Average total assets | $203,786,670 | 3,114 |
| Average earning assets | $191,610,000 | 3,039 |
| Average equity | $21,649,670 | 2,955 |
| Average total loans | $122,561,670 | 3,352 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4220% | 6,959 |
| Cost of funding earning assets | 1.0084% | 6,336 |
| Net interest margin | 3.4137% | 5,525 |
| Noninterest income to average assets | 0.3497% | 5,342 |
| Noninterest expense to average assets | 1.9798% | 7,196 |
| Loan and lease loss provision to assets | 0.0583% | 6,066 |
| Net operating income to assets | 1.0045% | 2,161 |
| Return on assets (ROA) | 1.0045% | 2,229 |
| Pretax return on assets | 1.5212% | 1,464 |
| Return on Equity (ROE) | 9.7313% | 2,196 |
| Retained earnings to average equity (ytd only) | 9.7313% | 1,204 |
| Net charge-offs to loans | 0.1659% | 3,930 |
| Credit loss provision to net charge-offs | 60.0000% | 4,297 |
| Earnings coverage of net charge-offs (x) | 16.2600% | 1,337 |
| Efficiency ratio | 55.6223% | 6,822 |
| Assets per employee ($millions) | 6.6972% | 910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7178% | 7,302 |
| Loan loss allowance to noncurrent loans | 158.5278% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.4873% | 6,268 |
| Noncurrent loans to loans | 0.4528% | 6,395 |
| Net loans and leases to total assets | 60.7894% | 4,981 |
| Net loans and leases to deposits | 68.5809% | 5,527 |
| Net loans and leases to core deposits | 71.9118% | 5,723 |
| Total domestic deposits to total assets | 88.6390% | 1,713 |
| Equity capital to assets | 10.7354% | 3,017 |
| Core capital (leverage) ratio | 10.5352% | 2,590 |
| Tier 1 risk-based capital ratio | 18.8560% | 1,754 |
| Total risk-based capital ratio | 19.6498% | 1,821 |
| Memoranda: |
| Average total assets | $205,883,500 | 3,145 |
| Average earning assets | $193,575,500 | 3,083 |
| Average equity | $21,251,000 | 3,038 |
| Average total loans | $120,538,500 | 3,457 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0189% | 6,371 |
| Cost of funding earning assets | 1.3875% | 5,985 |
| Net interest margin | 3.6314% | 4,424 |
| Noninterest income to average assets | 0.3556% | 5,562 |
| Noninterest expense to average assets | 2.1662% | 7,057 |
| Loan and lease loss provision to assets | 0.0313% | 7,216 |
| Net operating income to assets | 1.5265% | 639 |
| Return on assets (ROA) | 0.0553% | 5,377 |
| Pretax return on assets | 0.0381% | 5,350 |
| Return on Equity (ROE) | 0.5341% | 5,375 |
| Retained earnings to average equity (ytd only) | 0.5341% | 4,608 |
| Net charge-offs to loans | 0.0502% | 6,598 |
| Credit loss provision to net charge-offs | 101.6949% | 5,430 |
| Earnings coverage of net charge-offs (x) | 50.0847% | 514 |
| Efficiency ratio | 58.4388% | 6,702 |
| Assets per employee ($millions) | 6.8017% | 867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8479% | 6,989 |
| Loan loss allowance to noncurrent loans | 121.4806% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 0.4382% | 6,363 |
| Noncurrent loans to loans | 0.6980% | 5,842 |
| Net loans and leases to total assets | 55.5167% | 6,022 |
| Net loans and leases to deposits | 62.0119% | 6,469 |
| Net loans and leases to core deposits | 75.2431% | 6,456 |
| Total domestic deposits to total assets | 89.5258% | 1,200 |
| Equity capital to assets | 9.9278% | 3,865 |
| Core capital (leverage) ratio | 9.7837% | 3,346 |
| Tier 1 risk-based capital ratio | 18.1561% | 1,849 |
| Total risk-based capital ratio | 19.0403% | 1,901 |
| Memoranda: |
| Average total assets | $191,810,600 | 3,269 |
| Average earning assets | $177,010,800 | 3,253 |
| Average equity | $19,845,200 | 3,225 |
| Average total loans | $117,510,000 | 3,537 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2022% | 5,867 |
| Cost of funding earning assets | 1.4737% | 5,941 |
| Net interest margin | 3.7285% | 3,955 |
| Noninterest income to average assets | 0.3621% | 5,604 |
| Noninterest expense to average assets | 2.2439% | 6,858 |
| Loan and lease loss provision to assets | 0.0321% | 7,034 |
| Net operating income to assets | 0.9873% | 2,102 |
| Return on assets (ROA) | -0.3001% | 6,213 |
| Pretax return on assets | -0.5025% | 6,300 |
| Return on Equity (ROE) | -2.8678% | 6,228 |
| Retained earnings to average equity (ytd only) | -2.8678% | 5,916 |
| Net charge-offs to loans | 0.0329% | 6,435 |
| Credit loss provision to net charge-offs | 155.1724% | 3,079 |
| Earnings coverage of net charge-offs (x) | 74.5433% | 454 |
| Efficiency ratio | 59.2844% | 6,517 |
| Assets per employee ($millions) | 5.9660% | 1,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8584% | 6,927 |
| Loan loss allowance to noncurrent loans | 98.2592% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.5416% | 6,102 |
| Noncurrent loans to loans | 0.8736% | 5,543 |
| Net loans and leases to total assets | 61.4639% | 5,333 |
| Net loans and leases to deposits | 69.3609% | 5,995 |
| Net loans and leases to core deposits | 87.0528% | 5,750 |
| Total domestic deposits to total assets | 88.6146% | 1,384 |
| Equity capital to assets | 10.6892% | 3,300 |
| Core capital (leverage) ratio | 10.5309% | 2,766 |
| Tier 1 risk-based capital ratio | 18.7241% | 1,809 |
| Total risk-based capital ratio | 19.6721% | 1,832 |
| Memoranda: |
| Average total assets | $187,050,250 | 3,355 |
| Average earning assets | $171,718,750 | 3,349 |
| Average equity | $19,573,250 | 3,306 |
| Average total loans | $117,372,750 | 3,566 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3194% | 5,560 |
| Cost of funding earning assets | 1.5352% | 5,997 |
| Net interest margin | 3.7841% | 3,615 |
| Noninterest income to average assets | 0.3585% | 5,643 |
| Noninterest expense to average assets | 2.2771% | 6,827 |
| Loan and lease loss provision to assets | 0.0323% | 6,918 |
| Net operating income to assets | 1.0325% | 2,000 |
| Return on assets (ROA) | 1.0325% | 2,078 |
| Pretax return on assets | 1.4911% | 1,471 |
| Return on Equity (ROE) | 9.9402% | 2,039 |
| Retained earnings to average equity (ytd only) | 9.9402% | 749 |
| Net charge-offs to loans | 0.0154% | 6,319 |
| Credit loss provision to net charge-offs | 333.3333% | 1,387 |
| Earnings coverage of net charge-offs (x) | 157.2222% | 260 |
| Efficiency ratio | 59.9150% | 6,566 |
| Assets per employee ($millions) | 5.6401% | 1,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8461% | 6,996 |
| Loan loss allowance to noncurrent loans | 124.3605% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 0.4549% | 6,302 |
| Noncurrent loans to loans | 0.6804% | 5,886 |
| Net loans and leases to total assets | 66.2914% | 4,514 |
| Net loans and leases to deposits | 74.9790% | 5,325 |
| Net loans and leases to core deposits | 93.3435% | 5,193 |
| Total domestic deposits to total assets | 88.4132% | 1,571 |
| Equity capital to assets | 10.9235% | 2,995 |
| Core capital (leverage) ratio | 10.7687% | 2,593 |
| Tier 1 risk-based capital ratio | 18.6803% | 1,841 |
| Total risk-based capital ratio | 19.6632% | 1,852 |
| Memoranda: |
| Average total assets | $185,763,000 | 3,396 |
| Average earning assets | $168,968,000 | 3,408 |
| Average equity | $19,295,330 | 3,355 |
| Average total loans | $117,044,330 | 3,602 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2574% | 6,082 |
| Cost of funding earning assets | 1.6015% | 6,025 |
| Net interest margin | 3.6559% | 4,076 |
| Noninterest income to average assets | 0.3609% | 5,553 |
| Noninterest expense to average assets | 2.1189% | 7,072 |
| Loan and lease loss provision to assets | 0.0318% | 6,533 |
| Net operating income to assets | 1.0127% | 2,260 |
| Return on assets (ROA) | 1.0127% | 2,399 |
| Pretax return on assets | 1.5350% | 1,574 |
| Return on Equity (ROE) | 9.9971% | 2,321 |
| Retained earnings to average equity (ytd only) | 9.9971% | 1,200 |
| Net charge-offs to loans | -0.0312% | 7,565 |
| Credit loss provision to net charge-offs | -166.6667% | 6,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4885% | 6,762 |
| Assets per employee ($millions) | 5.7567% | 1,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8667% | 6,888 |
| Loan loss allowance to noncurrent loans | 136.1702% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.4082% | 6,275 |
| Noncurrent loans to loans | 0.6365% | 5,817 |
| Net loans and leases to total assets | 63.5817% | 5,059 |
| Net loans and leases to deposits | 71.5577% | 5,804 |
| Net loans and leases to core deposits | 88.8342% | 5,665 |
| Total domestic deposits to total assets | 88.8538% | 1,303 |
| Equity capital to assets | 10.4155% | 3,555 |
| Core capital (leverage) ratio | 10.1331% | 3,258 |
| Tier 1 risk-based capital ratio | 18.4072% | 1,958 |
| Total risk-based capital ratio | 19.4198% | 1,964 |
| Memoranda: |
| Average total assets | $188,403,500 | 3,375 |
| Average earning assets | $171,339,000 | 3,402 |
| Average equity | $19,085,500 | 3,405 |
| Average total loans | $115,234,000 | 3,668 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1803% | 4,616 |
| Cost of funding earning assets | 2.3256% | 5,034 |
| Net interest margin | 3.8547% | 3,772 |
| Noninterest income to average assets | 0.4797% | 4,803 |
| Noninterest expense to average assets | 2.5801% | 5,716 |
| Loan and lease loss provision to assets | 0.1358% | 5,622 |
| Net operating income to assets | 0.8598% | 3,178 |
| Return on assets (ROA) | 0.8598% | 3,023 |
| Pretax return on assets | 1.3085% | 2,283 |
| Return on Equity (ROE) | 6.8863% | 3,592 |
| Retained earnings to average equity (ytd only) | 6.8863% | 1,195 |
| Net charge-offs to loans | 0.1462% | 4,749 |
| Credit loss provision to net charge-offs | 143.8356% | 3,676 |
| Earnings coverage of net charge-offs (x) | 15.3014% | 1,939 |
| Efficiency ratio | 64.1124% | 5,533 |
| Assets per employee ($millions) | 6.2126% | 1,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8903% | 6,732 |
| Loan loss allowance to noncurrent loans | 125.6281% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 0.4133% | 5,984 |
| Noncurrent loans to loans | 0.7087% | 5,263 |
| Net loans and leases to total assets | 57.7994% | 6,229 |
| Net loans and leases to deposits | 64.6028% | 6,743 |
| Net loans and leases to core deposits | 79.3495% | 6,661 |
| Total domestic deposits to total assets | 89.4689% | 861 |
| Equity capital to assets | 9.8571% | 4,213 |
| Core capital (leverage) ratio | 9.5559% | 3,933 |
| Tier 1 risk-based capital ratio | 18.4938% | 1,921 |
| Total risk-based capital ratio | 19.5020% | 1,924 |
| Memoranda: |
| Average total assets | $154,681,000 | 3,809 |
| Average earning assets | $142,242,200 | 3,803 |
| Average equity | $19,313,600 | 3,344 |
| Average total loans | $99,849,800 | 3,956 |
