Home > MidCountry Bank > Performance and Condition Ratios
MidCountry Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9787% | 653 |
| Cost of funding earning assets | 2.0610% | 831 |
| Net interest margin | 3.9178% | 1,340 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 2.4000% | 2,595 |
| Loan and lease loss provision to assets | 0.3100% | 350 |
| Net operating income to assets | 1.0285% | 2,123 |
| Return on assets (ROA) | 0.9208% | 2,454 |
| Pretax return on assets | 1.2648% | 1,974 |
| Return on Equity (ROE) | 10.4100% | 2,379 |
| Retained earnings to average equity (ytd only) | 6.5111% | 2,058 |
| Net charge-offs to loans | 0.7729% | 133 |
| Credit loss provision to net charge-offs | 49.7503% | 2,193 |
| Earnings coverage of net charge-offs (x) | 2.8207% | 2,672 |
| Efficiency ratio | 56.0280% | 3,496 |
| Assets per employee ($millions) | 8.8478% | 1,038 |
| Cash dividends to net income (ytd only)* | 37.4251% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3067% | 1,729 |
| Loan loss allowance to noncurrent loans | 148.4414% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 0.7674% | 671 |
| Noncurrent loans to loans | 0.8803% | 860 |
| Net loans and leases to total assets | 76.5200% | 1,046 |
| Net loans and leases to deposits | 94.6062% | 897 |
| Net loans and leases to core deposits | 108.4239% | 1,020 |
| Total domestic deposits to total assets | 80.8800% | 3,326 |
| Equity capital to assets | 9.6416% | 2,243 |
| Core capital (leverage) ratio | 10.3477% | 2,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4215% | 2,093 |
| Memoranda: | ||
| Average total assets | $1,088,176,600 | 915 |
| Average earning assets | $1,027,958,600 | 893 |
| Average equity | $96,297,600 | 972 |
| Average total loans | $855,076,600 | 823 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9722% | 550 |
| Cost of funding earning assets | 1.9476% | 786 |
| Net interest margin | 4.0247% | 1,182 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 2.4080% | 2,499 |
| Loan and lease loss provision to assets | 0.2400% | 425 |
| Net operating income to assets | 1.1154% | 2,004 |
| Return on assets (ROA) | 0.9693% | 2,447 |
| Pretax return on assets | 1.3548% | 1,881 |
| Return on Equity (ROE) | 11.1900% | 2,327 |
| Retained earnings to average equity (ytd only) | 5.9301% | 2,655 |
| Net charge-offs to loans | 0.5082% | 170 |
| Credit loss provision to net charge-offs | 54.7937% | 1,876 |
| Earnings coverage of net charge-offs (x) | 4.4369% | 2,398 |
| Efficiency ratio | 55.2416% | 3,466 |
| Assets per employee ($millions) | 8.8681% | 976 |
| Cash dividends to net income (ytd only)* | 47.0219% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4910% | 1,136 |
| Loan loss allowance to noncurrent loans | 79.9054% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 1.5780% | 229 |
| Noncurrent loans to loans | 1.8660% | 345 |
| Net loans and leases to total assets | 76.9500% | 1,003 |
| Net loans and leases to deposits | 97.0306% | 680 |
| Net loans and leases to core deposits | 114.7889% | 699 |
| Total domestic deposits to total assets | 79.3100% | 3,635 |
| Equity capital to assets | 8.8562% | 2,498 |
| Core capital (leverage) ratio | 9.9086% | 2,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6866% | 2,392 |
| Memoranda: | ||
| Average total assets | $1,096,998,000 | 919 |
| Average earning assets | $1,036,281,000 | 893 |
| Average equity | $94,993,000 | 979 |
| Average total loans | $864,767,500 | 817 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8908% | 509 |
| Cost of funding earning assets | 1.7723% | 780 |
| Net interest margin | 4.1185% | 1,055 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 2.3950% | 2,503 |
| Loan and lease loss provision to assets | 0.4300% | 186 |
| Net operating income to assets | 1.0507% | 2,259 |
| Return on assets (ROA) | 1.0281% | 2,320 |
| Pretax return on assets | 1.4369% | 1,732 |
| Return on Equity (ROE) | 11.9600% | 2,168 |
| Retained earnings to average equity (ytd only) | 6.6961% | 2,379 |
| Net charge-offs to loans | 0.4414% | 199 |
| Credit loss provision to net charge-offs | 60.4253% | 1,625 |
| Earnings coverage of net charge-offs (x) | 5.4295% | 2,168 |
| Efficiency ratio | 53.6160% | 3,645 |
| Assets per employee ($millions) | 9.1234% | 871 |
| Cash dividends to net income (ytd only)* | 44.0141% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5401% | 1,064 |
| Loan loss allowance to noncurrent loans | 312.7956% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.5024% | 1,084 |
| Noncurrent loans to loans | 0.4924% | 1,481 |
| Net loans and leases to total assets | 76.5900% | 990 |
| Net loans and leases to deposits | 95.6685% | 754 |
| Net loans and leases to core deposits | 117.6278% | 586 |
| Total domestic deposits to total assets | 80.0600% | 3,574 |
| Equity capital to assets | 8.6861% | 2,724 |
| Core capital (leverage) ratio | 9.6163% | 3,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3280% | 2,527 |
| Memoranda: | ||
| Average total assets | $1,104,982,333 | 903 |
| Average earning assets | $1,044,272,333 | 880 |
| Average equity | $94,980,333 | 976 |
| Average total loans | $873,618,000 | 797 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8313% | 399 |
| Cost of funding earning assets | 1.5593% | 753 |
| Net interest margin | 4.2721% | 853 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 2.3996% | 2,531 |
| Loan and lease loss provision to assets | 0.3600% | 227 |
| Net operating income to assets | 1.1842% | 1,978 |
| Return on assets (ROA) | 1.1882% | 1,923 |
| Pretax return on assets | 1.6608% | 1,356 |
| Return on Equity (ROE) | 13.9000% | 1,796 |
| Retained earnings to average equity (ytd only) | 8.6072% | 2,054 |
| Net charge-offs to loans | 0.4395% | 184 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 5.7686% | 1,801 |
| Efficiency ratio | 52.1365% | 3,765 |
| Assets per employee ($millions) | 9.0147% | 925 |
| Cash dividends to net income (ytd only)* | 38.0633% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4934% | 1,282 |
| Loan loss allowance to noncurrent loans | 275.8475% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 0.5336% | 969 |
| Noncurrent loans to loans | 0.5414% | 1,366 |
| Net loans and leases to total assets | 77.4500% | 823 |
| Net loans and leases to deposits | 97.1919% | 583 |
| Net loans and leases to core deposits | 128.1892% | 300 |
| Total domestic deposits to total assets | 79.6900% | 3,807 |
| Equity capital to assets | 8.6639% | 2,770 |
| Core capital (leverage) ratio | 9.5024% | 3,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9622% | 2,740 |
| Memoranda: | ||
| Average total assets | $1,105,507,500 | 922 |
| Average earning assets | $1,044,837,500 | 898 |
| Average equity | $94,526,000 | 988 |
| Average total loans | $881,058,000 | 812 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9598% | 319 |
| Cost of funding earning assets | 0.7277% | 514 |
| Net interest margin | 4.2322% | 495 |
| Noninterest income to average assets | 0.6400% | 1,496 |
| Noninterest expense to average assets | 2.3999% | 2,424 |
| Loan and lease loss provision to assets | 0.4400% | 147 |
| Net operating income to assets | 1.3195% | 1,360 |
| Return on assets (ROA) | 1.3106% | 1,360 |
| Pretax return on assets | 1.7980% | 740 |
| Return on Equity (ROE) | 14.5600% | 1,379 |
| Retained earnings to average equity (ytd only) | 11.8364% | 704 |
| Net charge-offs to loans | 0.1189% | 639 |
| Credit loss provision to net charge-offs | 455.9548% | 720 |
| Earnings coverage of net charge-offs (x) | 23.4754% | 1,812 |
| Efficiency ratio | 49.0963% | 4,182 |
| Assets per employee ($millions) | 9.1851% | 855 |
| Cash dividends to net income (ytd only)* | 18.7322% | 2,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3253% | 1,783 |
| Loan loss allowance to noncurrent loans | 473.0954% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.3349% | 1,511 |
| Noncurrent loans to loans | 0.2801% | 2,149 |
| Net loans and leases to total assets | 79.7000% | 627 |
| Net loans and leases to deposits | 95.5078% | 679 |
| Net loans and leases to core deposits | 135.0050% | 185 |
| Total domestic deposits to total assets | 83.4500% | 3,319 |
| Equity capital to assets | 8.4363% | 2,753 |
| Core capital (leverage) ratio | 9.4115% | 3,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5426% | 2,855 |
| Memoranda: | ||
| Average total assets | $1,018,305,800 | 965 |
| Average earning assets | $963,906,000 | 938 |
| Average equity | $91,632,400 | 1,015 |
| Average total loans | $819,475,000 | 809 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7364% | 330 |
| Cost of funding earning assets | 0.5359% | 617 |
| Net interest margin | 4.2005% | 421 |
| Noninterest income to average assets | 0.6600% | 1,473 |
| Noninterest expense to average assets | 2.5255% | 1,940 |
| Loan and lease loss provision to assets | 0.3700% | 160 |
| Net operating income to assets | 1.2575% | 1,500 |
| Return on assets (ROA) | 1.2452% | 1,511 |
| Pretax return on assets | 1.7271% | 856 |
| Return on Equity (ROE) | 13.6000% | 1,536 |
| Retained earnings to average equity (ytd only) | 9.9515% | 1,349 |
| Net charge-offs to loans | 0.0906% | 680 |
| Credit loss provision to net charge-offs | 511.9266% | 598 |
| Earnings coverage of net charge-offs (x) | 29.0385% | 1,534 |
| Efficiency ratio | 51.7585% | 4,031 |
| Assets per employee ($millions) | 9.5719% | 743 |
| Cash dividends to net income (ytd only)* | 26.8413% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2057% | 2,497 |
| Loan loss allowance to noncurrent loans | 520.7779% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.2934% | 1,772 |
| Noncurrent loans to loans | 0.2315% | 2,463 |
| Net loans and leases to total assets | 79.4200% | 580 |
| Net loans and leases to deposits | 96.3996% | 539 |
| Net loans and leases to core deposits | 137.5848% | 111 |
| Total domestic deposits to total assets | 82.3900% | 3,770 |
| Equity capital to assets | 8.1152% | 2,828 |
| Core capital (leverage) ratio | 9.4193% | 3,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0129% | 3,036 |
| Memoranda: | ||
| Average total assets | $997,330,000 | 990 |
| Average earning assets | $944,604,750 | 966 |
| Average equity | $91,294,000 | 1,030 |
| Average total loans | $801,766,500 | 819 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5451% | 348 |
| Cost of funding earning assets | 0.3910% | 977 |
| Net interest margin | 4.1542% | 364 |
| Noninterest income to average assets | 0.4702% | 2,350 |
| Noninterest expense to average assets | 2.5380% | 1,817 |
| Loan and lease loss provision to assets | 0.2876% | 232 |
| Net operating income to assets | 1.1402% | 1,629 |
| Return on assets (ROA) | 1.1275% | 1,652 |
| Pretax return on assets | 1.5639% | 1,022 |
| Return on Equity (ROE) | 11.8124% | 1,718 |
| Retained earnings to average equity (ytd only) | 6.3899% | 2,213 |
| Net charge-offs to loans | 0.0229% | 1,268 |
| Credit loss provision to net charge-offs | 1,560.6742% | 289 |
| Earnings coverage of net charge-offs (x) | 101.3596% | 806 |
| Efficiency ratio | 54.7227% | 3,892 |
| Assets per employee ($millions) | 8.7098% | 985 |
| Cash dividends to net income (ytd only)* | 45.9053% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1634% | 2,878 |
| Loan loss allowance to noncurrent loans | 534.5172% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.2893% | 1,850 |
| Noncurrent loans to loans | 0.2177% | 2,631 |
| Net loans and leases to total assets | 79.6177% | 435 |
| Net loans and leases to deposits | 98.0332% | 340 |
| Net loans and leases to core deposits | 133.1357% | 105 |
| Total domestic deposits to total assets | 81.2150% | 4,100 |
| Equity capital to assets | 8.5674% | 2,709 |
| Core capital (leverage) ratio | 9.9512% | 2,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8458% | 3,031 |
| Memoranda: | ||
| Average total assets | $966,042,333 | 1,012 |
| Average earning assets | $915,175,333 | 992 |
| Average equity | $92,208,000 | 1,027 |
| Average total loans | $776,605,000 | 825 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4021% | 379 |
| Cost of funding earning assets | 0.3540% | 1,168 |
| Net interest margin | 4.0481% | 378 |
| Noninterest income to average assets | 0.4607% | 2,353 |
| Noninterest expense to average assets | 2.6237% | 1,542 |
| Loan and lease loss provision to assets | 0.0663% | 1,232 |
| Net operating income to assets | 1.1811% | 1,296 |
| Return on assets (ROA) | 1.1655% | 1,336 |
| Pretax return on assets | 1.5860% | 848 |
| Return on Equity (ROE) | 11.5606% | 1,433 |
| Retained earnings to average equity (ytd only) | 7.3182% | 1,791 |
| Net charge-offs to loans | -0.0053% | 3,358 |
| Credit loss provision to net charge-offs | -1,550.0000% | 3,347 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0205% | 3,680 |
| Assets per employee ($millions) | 8.2132% | 1,248 |
| Cash dividends to net income (ytd only)* | 36.6972% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1451% | 3,124 |
| Loan loss allowance to noncurrent loans | 586.4044% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.2798% | 2,010 |
| Noncurrent loans to loans | 0.1953% | 2,837 |
| Net loans and leases to total assets | 78.3462% | 351 |
| Net loans and leases to deposits | 98.3819% | 220 |
| Net loans and leases to core deposits | 118.3270% | 160 |
| Total domestic deposits to total assets | 79.6347% | 4,306 |
| Equity capital to assets | 9.8549% | 2,002 |
| Core capital (leverage) ratio | 10.1738% | 2,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9343% | 2,902 |
| Memoranda: | ||
| Average total assets | $935,185,000 | 1,052 |
| Average earning assets | $885,943,000 | 1,030 |
| Average equity | $94,286,000 | 1,036 |
| Average total loans | $750,953,500 | 829 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6454% | 463 |
| Cost of funding earning assets | 0.4907% | 970 |
| Net interest margin | 4.1547% | 536 |
| Noninterest income to average assets | 0.6605% | 1,901 |
| Noninterest expense to average assets | 2.7107% | 1,611 |
| Loan and lease loss provision to assets | 0.1812% | 633 |
| Net operating income to assets | 1.2308% | 1,809 |
| Return on assets (ROA) | 1.2397% | 1,838 |
| Pretax return on assets | 1.7043% | 1,135 |
| Return on Equity (ROE) | 10.5137% | 2,343 |
| Retained earnings to average equity (ytd only) | -9.5816% | 4,762 |
| Net charge-offs to loans | 0.0416% | 1,436 |
| Credit loss provision to net charge-offs | 542.5676% | 766 |
| Earnings coverage of net charge-offs (x) | 56.1216% | 1,226 |
| Efficiency ratio | 55.6783% | 3,737 |
| Assets per employee ($millions) | 7.8493% | 1,419 |
| Cash dividends to net income (ytd only)* | 191.1350% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0965% | 3,368 |
| Loan loss allowance to noncurrent loans | 425.1020% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.2524% | 2,307 |
| Noncurrent loans to loans | 0.2579% | 2,686 |
| Net loans and leases to total assets | 80.4568% | 249 |
| Net loans and leases to deposits | 101.4401% | 173 |
| Net loans and leases to core deposits | 115.6112% | 208 |
| Total domestic deposits to total assets | 79.3146% | 4,282 |
| Equity capital to assets | 10.3098% | 2,360 |
| Core capital (leverage) ratio | 10.1642% | 2,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5911% | 2,971 |
| Memoranda: | ||
| Average total assets | $886,292,600 | 1,058 |
| Average earning assets | $837,186,400 | 1,043 |
| Average equity | $104,502,000 | 976 |
| Average total loans | $710,861,000 | 869 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7369% | 455 |
| Cost of funding earning assets | 0.5241% | 933 |
| Net interest margin | 4.2128% | 529 |
| Noninterest income to average assets | 0.6432% | 2,038 |
| Noninterest expense to average assets | 2.7030% | 1,579 |
| Loan and lease loss provision to assets | 0.1598% | 693 |
| Net operating income to assets | 1.2713% | 1,915 |
| Return on assets (ROA) | 1.2689% | 1,978 |
| Pretax return on assets | 1.7523% | 1,272 |
| Return on Equity (ROE) | 10.4121% | 2,585 |
| Retained earnings to average equity (ytd only) | -6.4805% | 4,812 |
| Net charge-offs to loans | 0.0416% | 1,265 |
| Credit loss provision to net charge-offs | 480.7339% | 774 |
| Earnings coverage of net charge-offs (x) | 57.6101% | 1,154 |
| Efficiency ratio | 55.0404% | 3,651 |
| Assets per employee ($millions) | 7.9496% | 1,294 |
| Cash dividends to net income (ytd only)* | 162.2401% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1062% | 3,412 |
| Loan loss allowance to noncurrent loans | 432.8556% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.5331% | 1,425 |
| Noncurrent loans to loans | 0.2556% | 2,911 |
| Net loans and leases to total assets | 78.1415% | 396 |
| Net loans and leases to deposits | 99.7899% | 228 |
| Net loans and leases to core deposits | 109.2477% | 340 |
| Total domestic deposits to total assets | 78.3061% | 4,393 |
| Equity capital to assets | 11.3061% | 1,807 |
| Core capital (leverage) ratio | 10.9737% | 1,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0015% | 2,705 |
| Memoranda: | ||
| Average total assets | $874,349,500 | 1,080 |
| Average earning assets | $824,992,000 | 1,068 |
| Average equity | $106,552,500 | 973 |
| Average total loans | $698,613,500 | 898 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6958% | 535 |
| Cost of funding earning assets | 0.5518% | 930 |
| Net interest margin | 4.1440% | 640 |
| Noninterest income to average assets | 0.5404% | 2,445 |
| Noninterest expense to average assets | 2.6513% | 1,722 |
| Loan and lease loss provision to assets | 0.1507% | 785 |
| Net operating income to assets | 1.1932% | 2,213 |
| Return on assets (ROA) | 1.1905% | 2,290 |
| Pretax return on assets | 1.6441% | 1,627 |
| Return on Equity (ROE) | 9.5310% | 2,937 |
| Retained earnings to average equity (ytd only) | 4.9106% | 3,216 |
| Net charge-offs to loans | 0.0570% | 1,043 |
| Credit loss provision to net charge-offs | 329.7980% | 853 |
| Earnings coverage of net charge-offs (x) | 39.3434% | 1,174 |
| Efficiency ratio | 55.9637% | 3,545 |
| Assets per employee ($millions) | 7.7928% | 1,310 |
| Cash dividends to net income (ytd only)* | 48.4778% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0597% | 3,589 |
| Loan loss allowance to noncurrent loans | 170.7078% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 0.5426% | 1,535 |
| Noncurrent loans to loans | 0.6208% | 1,852 |
| Net loans and leases to total assets | 79.2786% | 358 |
| Net loans and leases to deposits | 107.1049% | 144 |
| Net loans and leases to core deposits | 110.9711% | 338 |
| Total domestic deposits to total assets | 74.0196% | 4,649 |
| Equity capital to assets | 12.4579% | 1,149 |
| Core capital (leverage) ratio | 12.2336% | 1,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2286% | 2,277 |
| Memoranda: | ||
| Average total assets | $866,365,333 | 1,085 |
| Average earning assets | $817,283,333 | 1,070 |
| Average equity | $108,215,667 | 958 |
| Average total loans | $694,885,000 | 899 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7532% | 528 |
| Cost of funding earning assets | 0.5783% | 969 |
| Net interest margin | 4.1749% | 630 |
| Noninterest income to average assets | 0.4781% | 2,713 |
| Noninterest expense to average assets | 2.6469% | 1,748 |
| Loan and lease loss provision to assets | 0.1401% | 956 |
| Net operating income to assets | 1.1942% | 2,170 |
| Return on assets (ROA) | 1.1875% | 2,269 |
| Pretax return on assets | 1.6181% | 1,673 |
| Return on Equity (ROE) | 9.4945% | 2,857 |
| Retained earnings to average equity (ytd only) | 5.7726% | 2,978 |
| Net charge-offs to loans | 0.0122% | 1,506 |
| Credit loss provision to net charge-offs | 1,433.3333% | 330 |
| Earnings coverage of net charge-offs (x) | 180.7143% | 431 |
| Efficiency ratio | 56.3970% | 3,502 |
| Assets per employee ($millions) | 8.1796% | 1,115 |
| Cash dividends to net income (ytd only)* | 39.2003% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0691% | 3,582 |
| Loan loss allowance to noncurrent loans | 177.5346% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.5154% | 1,839 |
| Noncurrent loans to loans | 0.6022% | 2,067 |
| Net loans and leases to total assets | 77.2028% | 523 |
| Net loans and leases to deposits | 100.8824% | 261 |
| Net loans and leases to core deposits | 104.6413% | 557 |
| Total domestic deposits to total assets | 76.5276% | 4,555 |
| Equity capital to assets | 12.2142% | 1,196 |
| Core capital (leverage) ratio | 12.1506% | 1,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0827% | 1,873 |
| Memoranda: | ||
| Average total assets | $859,256,000 | 1,085 |
| Average earning assets | $809,982,000 | 1,068 |
| Average equity | $107,472,500 | 951 |
| Average total loans | $689,531,500 | 913 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8761% | 628 |
| Cost of funding earning assets | 0.8669% | 963 |
| Net interest margin | 4.0093% | 956 |
| Noninterest income to average assets | 0.6362% | 2,080 |
| Noninterest expense to average assets | 2.9614% | 1,525 |
| Loan and lease loss provision to assets | 0.4930% | 508 |
| Net operating income to assets | 0.6851% | 3,478 |
| Return on assets (ROA) | 0.8897% | 2,874 |
| Pretax return on assets | 1.1595% | 2,481 |
| Return on Equity (ROE) | 6.7523% | 3,303 |
| Retained earnings to average equity (ytd only) | 2.0658% | 3,801 |
| Net charge-offs to loans | 0.0098% | 2,969 |
| Credit loss provision to net charge-offs | 6,237.5000% | 177 |
| Earnings coverage of net charge-offs (x) | 181.9219% | 502 |
| Efficiency ratio | 62.6035% | 3,035 |
| Assets per employee ($millions) | 7.9556% | 1,057 |
| Cash dividends to net income (ytd only)* | 69.4059% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0088% | 3,834 |
| Loan loss allowance to noncurrent loans | 170.1890% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.5365% | 1,954 |
| Noncurrent loans to loans | 0.5928% | 2,217 |
| Net loans and leases to total assets | 81.7089% | 318 |
| Net loans and leases to deposits | 108.8895% | 177 |
| Net loans and leases to core deposits | 114.3258% | 400 |
| Total domestic deposits to total assets | 75.0384% | 4,573 |
| Equity capital to assets | 12.8121% | 1,176 |
| Core capital (leverage) ratio | 12.3421% | 1,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1585% | 1,799 |
| Memoranda: | ||
| Average total assets | $809,674,400 | 1,045 |
| Average earning assets | $759,985,400 | 1,031 |
| Average equity | $106,690,000 | 917 |
| Average total loans | $652,470,800 | 914 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9608% | 650 |
| Cost of funding earning assets | 0.9424% | 923 |
| Net interest margin | 4.0184% | 1,070 |
| Noninterest income to average assets | 0.6182% | 2,106 |
| Noninterest expense to average assets | 3.0572% | 1,323 |
| Loan and lease loss provision to assets | 0.5977% | 423 |
| Net operating income to assets | 0.5409% | 3,925 |
| Return on assets (ROA) | 0.7593% | 3,361 |
| Pretax return on assets | 0.9639% | 3,186 |
| Return on Equity (ROE) | 5.7205% | 3,653 |
| Retained earnings to average equity (ytd only) | 1.3327% | 4,140 |
| Net charge-offs to loans | 0.0042% | 3,009 |
| Credit loss provision to net charge-offs | 17,960.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 399.6000% | 286 |
| Efficiency ratio | 64.9118% | 2,610 |
| Assets per employee ($millions) | 7.0653% | 1,454 |
| Cash dividends to net income (ytd only)* | 76.7039% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9812% | 3,780 |
| Loan loss allowance to noncurrent loans | 150.7463% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.6090% | 1,902 |
| Noncurrent loans to loans | 0.6509% | 2,162 |
| Net loans and leases to total assets | 80.0112% | 617 |
| Net loans and leases to deposits | 107.1166% | 288 |
| Net loans and leases to core deposits | 113.3951% | 577 |
| Total domestic deposits to total assets | 74.6954% | 4,528 |
| Equity capital to assets | 12.7271% | 1,313 |
| Core capital (leverage) ratio | 12.4391% | 1,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6880% | 1,597 |
| Memoranda: | ||
| Average total assets | $801,269,500 | 1,039 |
| Average earning assets | $751,524,500 | 1,027 |
| Average equity | $106,351,500 | 911 |
| Average total loans | $641,571,500 | 925 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2319% | 536 |
| Cost of funding earning assets | 1.0411% | 866 |
| Net interest margin | 4.1908% | 943 |
| Noninterest income to average assets | 0.6568% | 1,910 |
| Noninterest expense to average assets | 3.2856% | 1,020 |
| Loan and lease loss provision to assets | 0.7593% | 335 |
| Net operating income to assets | 0.3957% | 4,239 |
| Return on assets (ROA) | 0.6286% | 3,726 |
| Pretax return on assets | 0.7918% | 3,611 |
| Return on Equity (ROE) | 4.6677% | 3,929 |
| Retained earnings to average equity (ytd only) | -0.0433% | 4,311 |
| Net charge-offs to loans | 0.0207% | 2,312 |
| Credit loss provision to net charge-offs | 4,603.0769% | 255 |
| Earnings coverage of net charge-offs (x) | 78.6769% | 818 |
| Efficiency ratio | 67.0395% | 2,371 |
| Assets per employee ($millions) | 6.9326% | 1,473 |
| Cash dividends to net income (ytd only)* | 100.9285% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9168% | 3,930 |
| Loan loss allowance to noncurrent loans | 105.7986% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 0.8113% | 1,529 |
| Noncurrent loans to loans | 0.8665% | 1,759 |
| Net loans and leases to total assets | 78.2238% | 822 |
| Net loans and leases to deposits | 107.9298% | 270 |
| Net loans and leases to core deposits | 112.5431% | 645 |
| Total domestic deposits to total assets | 72.4765% | 4,686 |
| Equity capital to assets | 12.7664% | 1,248 |
| Core capital (leverage) ratio | 12.4046% | 1,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2838% | 1,416 |
| Memoranda: | ||
| Average total assets | $788,104,333 | 1,041 |
| Average earning assets | $738,432,333 | 1,028 |
| Average equity | $106,133,667 | 905 |
| Average total loans | $628,971,333 | 930 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9398% | 1,089 |
| Cost of funding earning assets | 1.2105% | 747 |
| Net interest margin | 3.7292% | 2,221 |
| Noninterest income to average assets | 0.6954% | 1,668 |
| Noninterest expense to average assets | 4.0726% | 469 |
| Loan and lease loss provision to assets | 0.2151% | 1,428 |
| Net operating income to assets | -0.0853% | 4,797 |
| Return on assets (ROA) | 0.2991% | 4,369 |
| Pretax return on assets | 0.3232% | 4,419 |
| Return on Equity (ROE) | 2.1603% | 4,413 |
| Retained earnings to average equity (ytd only) | -1.6098% | 4,210 |
| Net charge-offs to loans | -0.0124% | 4,150 |
| Credit loss provision to net charge-offs | -2,168.4211% | 3,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0669% | 428 |
| Assets per employee ($millions) | 5.7899% | 1,849 |
| Cash dividends to net income (ytd only)* | 174.5201% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5711% | 4,801 |
| Loan loss allowance to noncurrent loans | 55.0953% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 0.9456% | 1,408 |
| Noncurrent loans to loans | 1.0365% | 1,606 |
| Net loans and leases to total assets | 79.7000% | 729 |
| Net loans and leases to deposits | 113.5977% | 138 |
| Net loans and leases to core deposits | 119.5487% | 481 |
| Total domestic deposits to total assets | 70.1599% | 4,848 |
| Equity capital to assets | 13.7574% | 1,138 |
| Core capital (leverage) ratio | 13.3474% | 1,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4606% | 1,766 |
| Memoranda: | ||
| Average total assets | $766,202,500 | 1,035 |
| Average earning assets | $717,040,000 | 1,014 |
| Average equity | $106,098,000 | 905 |
| Average total loans | $615,071,500 | 926 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8457% | 297 |
| Cost of funding earning assets | 1.2817% | 810 |
| Net interest margin | 4.5640% | 618 |
| Noninterest income to average assets | 1.0919% | 799 |
| Noninterest expense to average assets | 3.9539% | 561 |
| Loan and lease loss provision to assets | 0.4192% | 335 |
| Net operating income to assets | 0.7162% | 3,817 |
| Return on assets (ROA) | 1.0702% | 2,671 |
| Pretax return on assets | 1.3367% | 2,368 |
| Return on Equity (ROE) | 8.1565% | 3,099 |
| Retained earnings to average equity (ytd only) | 3.3546% | 3,332 |
| Net charge-offs to loans | 0.0689% | 2,105 |
| Credit loss provision to net charge-offs | 749.3243% | 430 |
| Earnings coverage of net charge-offs (x) | 24.8716% | 1,758 |
| Efficiency ratio | 69.4012% | 2,264 |
| Assets per employee ($millions) | 5.0154% | 2,577 |
| Cash dividends to net income (ytd only)* | 58.8720% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5048% | 4,886 |
| Loan loss allowance to noncurrent loans | 44.5244% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 0.9626% | 1,310 |
| Noncurrent loans to loans | 1.1338% | 1,335 |
| Net loans and leases to total assets | 79.9882% | 797 |
| Net loans and leases to deposits | 114.0373% | 128 |
| Net loans and leases to core deposits | 124.7946% | 371 |
| Total domestic deposits to total assets | 70.1421% | 4,929 |
| Equity capital to assets | 13.9381% | 1,116 |
| Core capital (leverage) ratio | 12.9031% | 1,283 |
| Tier 1 risk-based capital ratio | 15.1319% | 2,729 |
| Total risk-based capital ratio | 15.6125% | 2,994 |
| Memoranda: | ||
| Average total assets | $793,575,200 | 978 |
| Average earning assets | $739,585,000 | 971 |
| Average equity | $104,125,800 | 871 |
| Average total loans | $644,803,000 | 858 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8320% | 330 |
| Cost of funding earning assets | 1.2917% | 808 |
| Net interest margin | 4.5403% | 699 |
| Noninterest income to average assets | 1.0794% | 790 |
| Noninterest expense to average assets | 3.9962% | 533 |
| Loan and lease loss provision to assets | 0.4702% | 261 |
| Net operating income to assets | 0.6175% | 4,250 |
| Return on assets (ROA) | 0.9628% | 3,191 |
| Pretax return on assets | 1.1961% | 2,992 |
| Return on Equity (ROE) | 7.4482% | 3,527 |
| Retained earnings to average equity (ytd only) | 2.9435% | 3,911 |
| Net charge-offs to loans | 0.1038% | 1,436 |
| Credit loss provision to net charge-offs | 556.2992% | 582 |
| Earnings coverage of net charge-offs (x) | 15.5157% | 2,179 |
| Efficiency ratio | 70.6812% | 2,028 |
| Assets per employee ($millions) | 4.0719% | 3,800 |
| Cash dividends to net income (ytd only)* | 60.4804% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3866% | 5,071 |
| Loan loss allowance to noncurrent loans | 32.7633% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 1.0479% | 1,268 |
| Noncurrent loans to loans | 1.1801% | 1,338 |
| Net loans and leases to total assets | 81.2254% | 676 |
| Net loans and leases to deposits | 114.5573% | 133 |
| Net loans and leases to core deposits | 128.5040% | 321 |
| Total domestic deposits to total assets | 70.9037% | 4,959 |
| Equity capital to assets | 13.1064% | 1,561 |
| Core capital (leverage) ratio | 12.4963% | 1,571 |
| Tier 1 risk-based capital ratio | 13.7449% | 3,453 |
| Total risk-based capital ratio | 14.1115% | 3,820 |
| Memoranda: | ||
| Average total assets | $801,383,000 | 975 |
| Average earning assets | $746,271,250 | 965 |
| Average equity | $103,593,250 | 878 |
| Average total loans | $652,784,000 | 849 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8860% | 294 |
| Cost of funding earning assets | 1.2851% | 775 |
| Net interest margin | 4.6009% | 615 |
| Noninterest income to average assets | 4.2892% | 106 |
| Noninterest expense to average assets | 7.0426% | 110 |
| Loan and lease loss provision to assets | 0.4776% | 247 |
| Net operating income to assets | 0.7914% | 3,687 |
| Return on assets (ROA) | 0.7914% | 3,747 |
| Pretax return on assets | 1.0585% | 3,356 |
| Return on Equity (ROE) | 6.1506% | 4,001 |
| Retained earnings to average equity (ytd only) | 1.3000% | 4,352 |
| Net charge-offs to loans | 0.1211% | 1,224 |
| Credit loss provision to net charge-offs | 484.3038% | 619 |
| Earnings coverage of net charge-offs (x) | 15.5772% | 1,977 |
| Efficiency ratio | 79.2422% | 1,034 |
| Assets per employee ($millions) | 2.6685% | 5,073 |
| Cash dividends to net income (ytd only)* | 78.8644% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2612% | 5,197 |
| Loan loss allowance to noncurrent loans | 19.7082% | 4,667 |
| Noncurrent assets plus other real estate owned to assets | 1.1527% | 1,167 |
| Noncurrent loans to loans | 1.3255% | 1,180 |
| Net loans and leases to total assets | 81.3749% | 688 |
| Net loans and leases to deposits | 111.0692% | 198 |
| Net loans and leases to core deposits | 137.9978% | 212 |
| Total domestic deposits to total assets | 73.2651% | 4,881 |
| Equity capital to assets | 12.7833% | 1,695 |
| Core capital (leverage) ratio | 12.0939% | 1,763 |
| Tier 1 risk-based capital ratio | 13.2811% | 3,702 |
| Total risk-based capital ratio | 13.5315% | 4,120 |
| Memoranda: | ||
| Average total assets | $801,121,670 | 977 |
| Average earning assets | $746,890,330 | 966 |
| Average equity | $103,079,330 | 871 |
| Average total loans | $652,348,000 | 855 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1111% | 186 |
| Cost of funding earning assets | 1.2420% | 790 |
| Net interest margin | 4.8690% | 356 |
| Noninterest income to average assets | 4.3007% | 106 |
| Noninterest expense to average assets | 7.2738% | 101 |
| Loan and lease loss provision to assets | 0.6879% | 148 |
| Net operating income to assets | 0.6613% | 4,056 |
| Return on assets (ROA) | 0.6613% | 4,095 |
| Pretax return on assets | 0.8813% | 3,826 |
| Return on Equity (ROE) | 5.1222% | 4,290 |
| Retained earnings to average equity (ytd only) | 1.2300% | 4,269 |
| Net charge-offs to loans | -0.0006% | 3,794 |
| Credit loss provision to net charge-offs | -136,900.0000% | 4,284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4704% | 1,107 |
| Assets per employee ($millions) | 2.3632% | 5,218 |
| Cash dividends to net income (ytd only)* | 75.9878% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2408% | 5,272 |
| Loan loss allowance to noncurrent loans | 17.9843% | 4,743 |
| Noncurrent assets plus other real estate owned to assets | 1.1580% | 1,170 |
| Noncurrent loans to loans | 1.3392% | 1,217 |
| Net loans and leases to total assets | 81.2645% | 673 |
| Net loans and leases to deposits | 109.1128% | 242 |
| Net loans and leases to core deposits | 137.5492% | 213 |
| Total domestic deposits to total assets | 74.4776% | 4,897 |
| Equity capital to assets | 12.8002% | 1,568 |
| Core capital (leverage) ratio | 12.0408% | 1,747 |
| Tier 1 risk-based capital ratio | 13.2921% | 3,722 |
| Total risk-based capital ratio | 13.5216% | 4,174 |
| Memoranda: | ||
| Average total assets | $796,063,500 | 980 |
| Average earning assets | $742,651,000 | 972 |
| Average equity | $102,767,500 | 867 |
| Average total loans | $647,585,500 | 865 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5392% | 5,401 |
| Cost of funding earning assets | 0.0979% | 5,290 |
| Net interest margin | 0.4413% | 5,400 |
| Noninterest income to average assets | 0.3280% | 3,912 |
| Noninterest expense to average assets | 0.5480% | 5,389 |
| Loan and lease loss provision to assets | 0.0256% | 3,661 |
| Net operating income to assets | 0.1245% | 5,166 |
| Return on assets (ROA) | 0.1245% | 5,161 |
| Pretax return on assets | 0.1661% | 5,138 |
| Return on Equity (ROE) | 0.8913% | 5,169 |
| Retained earnings to average equity (ytd only) | 0.8913% | 4,743 |
| Net charge-offs to loans | -0.0003% | 4,152 |
| Credit loss provision to net charge-offs | -10,100.0000% | 4,972 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3015% | 1,999 |
| Assets per employee ($millions) | 2.3126% | 5,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0330% | 5,355 |
| Loan loss allowance to noncurrent loans | 2.1599% | 4,828 |
| Noncurrent assets plus other real estate owned to assets | 1.2983% | 984 |
| Noncurrent loans to loans | 1.5294% | 988 |
| Net loans and leases to total assets | 81.2066% | 779 |
| Net loans and leases to deposits | 110.2831% | 248 |
| Net loans and leases to core deposits | 133.4896% | 268 |
| Total domestic deposits to total assets | 73.6347% | 4,969 |
| Equity capital to assets | 13.0215% | 1,336 |
| Core capital (leverage) ratio | 12.0692% | 1,685 |
| Tier 1 risk-based capital ratio | 13.3300% | 3,645 |
| Total risk-based capital ratio | 13.3664% | 4,241 |
| Memoranda: | ||
| Average total assets | $790,528,200 | 959 |
| Average earning assets | $737,435,800 | 950 |
| Average equity | $110,399,400 | 775 |
| Average total loans | $638,462,400 | 849 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0660% | 814 |
| Cost of funding earning assets | 0.8028% | 1,323 |
| Net interest margin | 4.2632% | 1,201 |
| Noninterest income to average assets | 3.8822% | 122 |
| Noninterest expense to average assets | 6.6801% | 114 |
| Loan and lease loss provision to assets | 0.1152% | 1,757 |
| Net operating income to assets | 0.7307% | 4,137 |
| Return on assets (ROA) | 0.7307% | 4,144 |
| Pretax return on assets | 1.0645% | 3,522 |
| Return on Equity (ROE) | 5.1457% | 4,515 |
| Retained earnings to average equity (ytd only) | -12.6471% | 5,412 |
| Net charge-offs to loans | 0.1733% | 958 |
| Credit loss provision to net charge-offs | 82.4096% | 2,507 |
| Earnings coverage of net charge-offs (x) | 8.4385% | 2,710 |
| Efficiency ratio | 84.9906% | 579 |
| Assets per employee ($millions) | 2.4433% | 5,300 |
| Cash dividends to net income (ytd only)* | 345.7812% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5455% | 1,204 |
| Loan loss allowance to noncurrent loans | 173.1232% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.7870% | 1,889 |
| Noncurrent loans to loans | 0.8927% | 1,911 |
| Net loans and leases to total assets | 81.4547% | 805 |
| Net loans and leases to deposits | 109.6785% | 297 |
| Net loans and leases to core deposits | 131.5328% | 305 |
| Total domestic deposits to total assets | 74.2668% | 4,951 |
| Equity capital to assets | 12.9099% | 1,375 |
| Core capital (leverage) ratio | 12.2600% | 1,645 |
| Tier 1 risk-based capital ratio | 13.1395% | 3,820 |
| Total risk-based capital ratio | 14.3915% | 3,729 |
| Memoranda: | ||
| Average total assets | $791,588,500 | 956 |
| Average earning assets | $738,557,000 | 947 |
| Average equity | $112,402,750 | 757 |
| Average total loans | $638,396,000 | 851 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7959% | 1,261 |
| Cost of funding earning assets | 0.7507% | 1,367 |
| Net interest margin | 4.0452% | 1,712 |
| Noninterest income to average assets | 3.8072% | 122 |
| Noninterest expense to average assets | 6.5685% | 122 |
| Loan and lease loss provision to assets | 0.1280% | 1,551 |
| Net operating income to assets | 0.6052% | 4,479 |
| Return on assets (ROA) | 0.6052% | 4,483 |
| Pretax return on assets | 0.8830% | 4,016 |
| Return on Equity (ROE) | 4.1355% | 4,781 |
| Retained earnings to average equity (ytd only) | 4.1355% | 3,545 |
| Net charge-offs to loans | 0.2064% | 768 |
| Credit loss provision to net charge-offs | 77.5730% | 2,283 |
| Earnings coverage of net charge-offs (x) | 6.1275% | 2,654 |
| Efficiency ratio | 86.6615% | 538 |
| Assets per employee ($millions) | 2.3126% | 5,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6329% | 1,022 |
| Loan loss allowance to noncurrent loans | 118.2407% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 1.2474% | 1,139 |
| Noncurrent loans to loans | 1.3810% | 1,230 |
| Net loans and leases to total assets | 79.6740% | 1,066 |
| Net loans and leases to deposits | 110.1253% | 273 |
| Net loans and leases to core deposits | 129.0336% | 349 |
| Total domestic deposits to total assets | 72.3485% | 5,153 |
| Equity capital to assets | 15.0710% | 673 |
| Core capital (leverage) ratio | 14.2223% | 844 |
| Tier 1 risk-based capital ratio | 15.5521% | 2,618 |
| Total risk-based capital ratio | 16.8050% | 2,552 |
| Memoranda: | ||
| Average total assets | $789,128,330 | 963 |
| Average earning assets | $735,877,670 | 956 |
| Average equity | $115,488,330 | 736 |
| Average total loans | $630,856,670 | 860 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7391% | 1,214 |
| Cost of funding earning assets | 0.7303% | 1,288 |
| Net interest margin | 4.0088% | 1,698 |
| Noninterest income to average assets | 3.7333% | 127 |
| Noninterest expense to average assets | 6.6204% | 121 |
| Loan and lease loss provision to assets | 0.1169% | 1,618 |
| Net operating income to assets | 0.4981% | 4,698 |
| Return on assets (ROA) | 0.4981% | 4,704 |
| Pretax return on assets | 0.7403% | 4,324 |
| Return on Equity (ROE) | 3.4531% | 4,903 |
| Retained earnings to average equity (ytd only) | 3.4531% | 3,820 |
| Net charge-offs to loans | 0.2652% | 583 |
| Credit loss provision to net charge-offs | 55.4762% | 1,910 |
| Earnings coverage of net charge-offs (x) | 4.0690% | 2,332 |
| Efficiency ratio | 88.5364% | 507 |
| Assets per employee ($millions) | 2.3416% | 5,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6658% | 1,019 |
| Loan loss allowance to noncurrent loans | 108.2447% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 1.2896% | 1,150 |
| Noncurrent loans to loans | 1.5389% | 1,140 |
| Net loans and leases to total assets | 77.4947% | 1,315 |
| Net loans and leases to deposits | 105.4220% | 407 |
| Net loans and leases to core deposits | 122.7088% | 508 |
| Total domestic deposits to total assets | 73.5090% | 5,193 |
| Equity capital to assets | 14.8639% | 704 |
| Core capital (leverage) ratio | 13.6100% | 975 |
| Tier 1 risk-based capital ratio | 15.7086% | 2,582 |
| Total risk-based capital ratio | 16.9618% | 2,535 |
| Memoranda: | ||
| Average total assets | $797,480,000 | 966 |
| Average earning assets | $744,869,000 | 954 |
| Average equity | $115,026,500 | 741 |
| Average total loans | $633,466,000 | 862 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9605% | 694 |
| Cost of funding earning assets | 0.5962% | 1,621 |
| Net interest margin | 4.3644% | 830 |
| Noninterest income to average assets | 4.3987% | 122 |
| Noninterest expense to average assets | 6.6172% | 129 |
| Loan and lease loss provision to assets | 0.3230% | 518 |
| Net operating income to assets | 0.9521% | 2,436 |
| Return on assets (ROA) | 0.9529% | 2,465 |
| Pretax return on assets | 1.5371% | 1,499 |
| Return on Equity (ROE) | 6.9229% | 3,319 |
| Retained earnings to average equity (ytd only) | 2.5072% | 3,825 |
| Net charge-offs to loans | 0.3269% | 778 |
| Credit loss provision to net charge-offs | 122.1609% | 2,139 |
| Earnings coverage of net charge-offs (x) | 7.0308% | 3,101 |
| Efficiency ratio | 78.0267% | 1,348 |
| Assets per employee ($millions) | 2.4695% | 5,468 |
| Cash dividends to net income (ytd only)* | 63.7836% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5793% | 1,185 |
| Loan loss allowance to noncurrent loans | 112.0943% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 1.1871% | 1,249 |
| Noncurrent loans to loans | 1.4089% | 1,217 |
| Net loans and leases to total assets | 78.7614% | 1,169 |
| Net loans and leases to deposits | 105.5690% | 416 |
| Net loans and leases to core deposits | 131.7093% | 304 |
| Total domestic deposits to total assets | 74.6065% | 5,123 |
| Equity capital to assets | 14.0076% | 911 |
| Core capital (leverage) ratio | 13.0845% | 1,118 |
| Tier 1 risk-based capital ratio | 14.5603% | 3,060 |
| Total risk-based capital ratio | 15.8123% | 2,983 |
| Memoranda: | ||
| Average total assets | $822,678,600 | 909 |
| Average earning assets | $768,565,800 | 893 |
| Average equity | $113,233,600 | 724 |
| Average total loans | $665,351,000 | 784 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9659% | 655 |
| Cost of funding earning assets | 0.5567% | 1,839 |
| Net interest margin | 4.4092% | 719 |
| Noninterest income to average assets | 4.6473% | 126 |
| Noninterest expense to average assets | 6.7775% | 124 |
| Loan and lease loss provision to assets | 0.3724% | 392 |
| Net operating income to assets | 1.0031% | 2,538 |
| Return on assets (ROA) | 1.0041% | 2,579 |
| Pretax return on assets | 1.6175% | 1,360 |
| Return on Equity (ROE) | 7.3276% | 3,484 |
| Retained earnings to average equity (ytd only) | 1.4192% | 4,845 |
| Net charge-offs to loans | 0.2870% | 750 |
| Credit loss provision to net charge-offs | 160.0557% | 1,601 |
| Earnings coverage of net charge-offs (x) | 8.5449% | 2,768 |
| Efficiency ratio | 77.2616% | 1,427 |
| Assets per employee ($millions) | 2.2831% | 5,582 |
| Cash dividends to net income (ytd only)* | 80.6322% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5948% | 1,256 |
| Loan loss allowance to noncurrent loans | 147.3258% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 0.9872% | 1,724 |
| Noncurrent loans to loans | 1.0825% | 1,777 |
| Net loans and leases to total assets | 81.7849% | 728 |
| Net loans and leases to deposits | 109.8090% | 280 |
| Net loans and leases to core deposits | 138.3865% | 220 |
| Total domestic deposits to total assets | 74.4792% | 5,188 |
| Equity capital to assets | 13.9982% | 994 |
| Core capital (leverage) ratio | 12.7202% | 1,323 |
| Tier 1 risk-based capital ratio | 14.1336% | 3,388 |
| Total risk-based capital ratio | 15.3862% | 3,289 |
| Memoranda: | ||
| Average total assets | $823,376,250 | 907 |
| Average earning assets | $769,092,000 | 900 |
| Average equity | $112,830,250 | 732 |
| Average total loans | $667,659,500 | 785 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9496% | 617 |
| Cost of funding earning assets | 0.5075% | 2,109 |
| Net interest margin | 4.4420% | 645 |
| Noninterest income to average assets | 3.7986% | 153 |
| Noninterest expense to average assets | 7.1630% | 117 |
| Loan and lease loss provision to assets | 0.3037% | 501 |
| Net operating income to assets | 0.3143% | 5,189 |
| Return on assets (ROA) | 0.3158% | 5,206 |
| Pretax return on assets | 0.4838% | 5,031 |
| Return on Equity (ROE) | 2.3210% | 5,277 |
| Retained earnings to average equity (ytd only) | 2.3210% | 4,288 |
| Net charge-offs to loans | 0.1767% | 1,119 |
| Credit loss provision to net charge-offs | 213.7755% | 1,214 |
| Earnings coverage of net charge-offs (x) | 5.5255% | 2,815 |
| Efficiency ratio | 90.0493% | 451 |
| Assets per employee ($millions) | 2.1544% | 5,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5505% | 1,396 |
| Loan loss allowance to noncurrent loans | 125.3744% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 1.0628% | 1,648 |
| Noncurrent loans to loans | 1.2367% | 1,569 |
| Net loans and leases to total assets | 78.1179% | 1,228 |
| Net loans and leases to deposits | 96.2258% | 1,051 |
| Net loans and leases to core deposits | 109.5502% | 1,024 |
| Total domestic deposits to total assets | 81.1819% | 4,136 |
| Equity capital to assets | 13.2415% | 1,257 |
| Core capital (leverage) ratio | 12.5519% | 1,345 |
| Tier 1 risk-based capital ratio | 14.1393% | 3,350 |
| Total risk-based capital ratio | 15.3917% | 3,263 |
| Memoranda: | ||
| Average total assets | $827,667,000 | 913 |
| Average earning assets | $773,160,000 | 901 |
| Average equity | $112,621,670 | 731 |
| Average total loans | $665,675,000 | 789 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9069% | 621 |
| Cost of funding earning assets | 0.4850% | 2,209 |
| Net interest margin | 4.4219% | 615 |
| Noninterest income to average assets | 3.8869% | 154 |
| Noninterest expense to average assets | 7.5548% | 107 |
| Loan and lease loss provision to assets | 0.3061% | 428 |
| Net operating income to assets | 0.1161% | 5,495 |
| Return on assets (ROA) | 0.1191% | 5,498 |
| Pretax return on assets | 0.1580% | 5,477 |
| Return on Equity (ROE) | 0.8630% | 5,518 |
| Retained earnings to average equity (ytd only) | 0.8630% | 4,703 |
| Net charge-offs to loans | 0.1616% | 1,002 |
| Credit loss provision to net charge-offs | 233.8346% | 924 |
| Earnings coverage of net charge-offs (x) | 3.5150% | 2,475 |
| Efficiency ratio | 94.1852% | 375 |
| Assets per employee ($millions) | 1.9598% | 5,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5137% | 1,649 |
| Loan loss allowance to noncurrent loans | 114.2028% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 1.0839% | 1,643 |
| Noncurrent loans to loans | 1.3254% | 1,529 |
| Net loans and leases to total assets | 80.3351% | 799 |
| Net loans and leases to deposits | 99.3859% | 657 |
| Net loans and leases to core deposits | 108.8799% | 928 |
| Total domestic deposits to total assets | 80.8314% | 4,453 |
| Equity capital to assets | 13.5535% | 1,057 |
| Core capital (leverage) ratio | 12.9520% | 1,162 |
| Tier 1 risk-based capital ratio | 14.0754% | 3,427 |
| Total risk-based capital ratio | 15.3276% | 3,346 |
| Memoranda: | ||
| Average total assets | $812,779,500 | 932 |
| Average earning assets | $758,763,000 | 920 |
| Average equity | $112,163,500 | 736 |
| Average total loans | $658,330,000 | 797 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4812% | 1,594 |
| Cost of funding earning assets | 0.4686% | 2,371 |
| Net interest margin | 4.0126% | 1,598 |
| Noninterest income to average assets | 4.7350% | 127 |
| Noninterest expense to average assets | 7.9199% | 105 |
| Loan and lease loss provision to assets | 0.1179% | 2,103 |
| Net operating income to assets | 0.2755% | 5,275 |
| Return on assets (ROA) | 0.2755% | 5,342 |
| Pretax return on assets | 0.4288% | 5,163 |
| Return on Equity (ROE) | 1.9223% | 5,420 |
| Retained earnings to average equity (ytd only) | 1.9223% | 4,442 |
| Net charge-offs to loans | 0.3357% | 820 |
| Credit loss provision to net charge-offs | 44.8699% | 3,444 |
| Earnings coverage of net charge-offs (x) | 2.0800% | 3,888 |
| Efficiency ratio | 93.0774% | 420 |
| Assets per employee ($millions) | 1.8654% | 5,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5427% | 1,526 |
| Loan loss allowance to noncurrent loans | 123.1767% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 1.0386% | 1,821 |
| Noncurrent loans to loans | 1.2524% | 1,638 |
| Net loans and leases to total assets | 79.1613% | 1,015 |
| Net loans and leases to deposits | 98.9028% | 747 |
| Net loans and leases to core deposits | 103.1517% | 1,346 |
| Total domestic deposits to total assets | 80.0394% | 4,568 |
| Equity capital to assets | 14.0566% | 872 |
| Core capital (leverage) ratio | 13.2189% | 1,051 |
| Tier 1 risk-based capital ratio | 14.5258% | 3,189 |
| Total risk-based capital ratio | 15.7780% | 3,121 |
| Memoranda: | ||
| Average total assets | $774,932,200 | 931 |
| Average earning assets | $720,683,000 | 922 |
| Average equity | $111,065,800 | 722 |
| Average total loans | $606,877,600 | 820 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4116% | 1,825 |
| Cost of funding earning assets | 0.4664% | 2,404 |
| Net interest margin | 3.9451% | 1,834 |
| Noninterest income to average assets | 4.8344% | 128 |
| Noninterest expense to average assets | 8.1286% | 99 |
| Loan and lease loss provision to assets | 0.0466% | 3,314 |
| Net operating income to assets | 0.2145% | 5,442 |
| Return on assets (ROA) | 0.2145% | 5,503 |
| Pretax return on assets | 0.3242% | 5,425 |
| Return on Equity (ROE) | 1.4892% | 5,561 |
| Retained earnings to average equity (ytd only) | 1.4892% | 4,918 |
| Net charge-offs to loans | 0.1551% | 1,452 |
| Credit loss provision to net charge-offs | 38.6494% | 3,158 |
| Earnings coverage of net charge-offs (x) | 3.0747% | 3,471 |
| Efficiency ratio | 95.0443% | 348 |
| Assets per employee ($millions) | 1.8070% | 5,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7104% | 1,196 |
| Loan loss allowance to noncurrent loans | 106.2808% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 1.3210% | 1,445 |
| Noncurrent loans to loans | 1.6093% | 1,337 |
| Net loans and leases to total assets | 77.1431% | 1,336 |
| Net loans and leases to deposits | 97.0565% | 947 |
| Net loans and leases to core deposits | 101.6909% | 1,506 |
| Total domestic deposits to total assets | 79.4826% | 4,621 |
| Equity capital to assets | 14.1961% | 968 |
| Core capital (leverage) ratio | 13.2585% | 1,084 |
| Tier 1 risk-based capital ratio | 15.0593% | 3,028 |
| Total risk-based capital ratio | 16.3151% | 2,954 |
| Memoranda: | ||
| Average total assets | $769,529,000 | 938 |
| Average earning assets | $714,889,000 | 933 |
| Average equity | $110,840,500 | 725 |
| Average total loans | $598,488,250 | 831 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4289% | 1,745 |
| Cost of funding earning assets | 0.4657% | 2,421 |
| Net interest margin | 3.9632% | 1,761 |
| Noninterest income to average assets | 4.7803% | 130 |
| Noninterest expense to average assets | 8.2882% | 96 |
| Loan and lease loss provision to assets | 0.0699% | 2,742 |
| Net operating income to assets | 0.0702% | 5,702 |
| Return on assets (ROA) | 0.0702% | 5,739 |
| Pretax return on assets | 0.0967% | 5,726 |
| Return on Equity (ROE) | 0.4850% | 5,750 |
| Retained earnings to average equity (ytd only) | 0.4850% | 5,156 |
| Net charge-offs to loans | 0.2795% | 853 |
| Credit loss provision to net charge-offs | 32.2854% | 2,835 |
| Earnings coverage of net charge-offs (x) | 0.7690% | 3,487 |
| Efficiency ratio | 97.4282% | 304 |
| Assets per employee ($millions) | 1.7139% | 5,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7293% | 1,214 |
| Loan loss allowance to noncurrent loans | 93.5669% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 1.6297% | 1,123 |
| Noncurrent loans to loans | 1.8482% | 1,098 |
| Net loans and leases to total assets | 78.3355% | 1,156 |
| Net loans and leases to deposits | 99.2864% | 756 |
| Net loans and leases to core deposits | 103.7254% | 1,338 |
| Total domestic deposits to total assets | 78.8985% | 4,807 |
| Equity capital to assets | 14.6443% | 830 |
| Core capital (leverage) ratio | 13.5117% | 977 |
| Tier 1 risk-based capital ratio | 15.4560% | 2,877 |
| Total risk-based capital ratio | 16.7130% | 2,809 |
| Memoranda: | ||
| Average total assets | $763,427,000 | 940 |
| Average earning assets | $707,809,330 | 942 |
| Average equity | $110,506,670 | 730 |
| Average total loans | $591,872,330 | 837 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4010% | 1,794 |
| Cost of funding earning assets | 0.4631% | 2,435 |
| Net interest margin | 3.9379% | 1,819 |
| Noninterest income to average assets | 4.6265% | 135 |
| Noninterest expense to average assets | 8.4905% | 96 |
| Loan and lease loss provision to assets | 0.0099% | 3,564 |
| Net operating income to assets | -0.1258% | 5,855 |
| Return on assets (ROA) | -0.1258% | 5,872 |
| Pretax return on assets | -0.2260% | 5,897 |
| Return on Equity (ROE) | -0.8741% | 5,866 |
| Retained earnings to average equity (ytd only) | -0.8741% | 5,263 |
| Net charge-offs to loans | 0.0860% | 1,637 |
| Credit loss provision to net charge-offs | 15.0794% | 2,327 |
| Earnings coverage of net charge-offs (x) | -3.2857% | 3,030 |
| Efficiency ratio | 101.9996% | 248 |
| Assets per employee ($millions) | 1.6810% | 6,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8606% | 1,030 |
| Loan loss allowance to noncurrent loans | 92.0193% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 1.7329% | 1,100 |
| Noncurrent loans to loans | 2.0220% | 1,053 |
| Net loans and leases to total assets | 75.1401% | 1,526 |
| Net loans and leases to deposits | 94.8146% | 1,059 |
| Net loans and leases to core deposits | 98.5005% | 1,601 |
| Total domestic deposits to total assets | 79.2495% | 4,914 |
| Equity capital to assets | 14.4263% | 850 |
| Core capital (leverage) ratio | 13.3467% | 1,040 |
| Tier 1 risk-based capital ratio | 15.4872% | 2,926 |
| Total risk-based capital ratio | 16.7448% | 2,853 |
| Memoranda: | ||
| Average total assets | $766,361,500 | 939 |
| Average earning assets | $709,923,000 | 939 |
| Average equity | $110,290,500 | 732 |
| Average total loans | $585,868,500 | 842 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5540% | 1,447 |
| Cost of funding earning assets | 0.4883% | 2,279 |
| Net interest margin | 4.0657% | 1,499 |
| Noninterest income to average assets | 4.5938% | 139 |
| Noninterest expense to average assets | 8.0373% | 106 |
| Loan and lease loss provision to assets | -0.0218% | 5,668 |
| Net operating income to assets | 0.2102% | 5,552 |
| Return on assets (ROA) | 0.2102% | 5,614 |
| Pretax return on assets | 0.3211% | 5,476 |
| Return on Equity (ROE) | 1.3942% | 5,700 |
| Retained earnings to average equity (ytd only) | 1.3942% | 4,931 |
| Net charge-offs to loans | 0.0302% | 3,617 |
| Credit loss provision to net charge-offs | -92.9412% | 5,129 |
| Earnings coverage of net charge-offs (x) | 12.7882% | 2,428 |
| Efficiency ratio | 95.6766% | 411 |
| Assets per employee ($millions) | 1.6802% | 6,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8772% | 995 |
| Loan loss allowance to noncurrent loans | 116.5078% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 1.4285% | 1,462 |
| Noncurrent loans to loans | 1.6112% | 1,426 |
| Net loans and leases to total assets | 74.8990% | 1,587 |
| Net loans and leases to deposits | 94.3201% | 1,175 |
| Net loans and leases to core deposits | 97.8237% | 1,688 |
| Total domestic deposits to total assets | 79.4094% | 4,884 |
| Equity capital to assets | 14.3567% | 811 |
| Core capital (leverage) ratio | 13.5260% | 957 |
| Tier 1 risk-based capital ratio | 15.7580% | 2,799 |
| Total risk-based capital ratio | 17.0152% | 2,738 |
| Memoranda: | ||
| Average total assets | $726,365,400 | 952 |
| Average earning assets | $668,670,000 | 952 |
| Average equity | $109,527,400 | 699 |
| Average total loans | $562,494,600 | 830 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6365% | 1,240 |
| Cost of funding earning assets | 0.4921% | 2,294 |
| Net interest margin | 4.1444% | 1,293 |
| Noninterest income to average assets | 4.4556% | 145 |
| Noninterest expense to average assets | 8.1407% | 107 |
| Loan and lease loss provision to assets | -0.0285% | 5,870 |
| Net operating income to assets | 0.1138% | 5,826 |
| Return on assets (ROA) | 0.1138% | 5,867 |
| Pretax return on assets | 0.1529% | 5,844 |
| Return on Equity (ROE) | 0.7450% | 5,891 |
| Retained earnings to average equity (ytd only) | 0.7450% | 5,392 |
| Net charge-offs to loans | 0.0117% | 3,764 |
| Credit loss provision to net charge-offs | -312.2449% | 5,274 |
| Earnings coverage of net charge-offs (x) | 13.6329% | 2,312 |
| Efficiency ratio | 97.7199% | 365 |
| Assets per employee ($millions) | 1.5897% | 6,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9777% | 944 |
| Loan loss allowance to noncurrent loans | 122.5931% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 1.4296% | 1,597 |
| Noncurrent loans to loans | 1.6132% | 1,532 |
| Net loans and leases to total assets | 75.2649% | 1,501 |
| Net loans and leases to deposits | 96.5110% | 955 |
| Net loans and leases to core deposits | 100.1176% | 1,503 |
| Total domestic deposits to total assets | 77.9858% | 5,184 |
| Equity capital to assets | 14.9666% | 743 |
| Core capital (leverage) ratio | 14.0305% | 854 |
| Tier 1 risk-based capital ratio | 16.3708% | 2,640 |
| Total risk-based capital ratio | 17.6303% | 2,585 |
| Memoranda: | ||
| Average total assets | $715,989,500 | 978 |
| Average earning assets | $658,117,000 | 972 |
| Average equity | $109,349,000 | 705 |
| Average total loans | $556,586,000 | 847 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6479% | 1,171 |
| Cost of funding earning assets | 0.4964% | 2,282 |
| Net interest margin | 4.1515% | 1,221 |
| Noninterest income to average assets | 4.4552% | 144 |
| Noninterest expense to average assets | 8.0404% | 112 |
| Loan and lease loss provision to assets | 0.0006% | 4,065 |
| Net operating income to assets | 0.1461% | 5,816 |
| Return on assets (ROA) | 0.1461% | 5,863 |
| Pretax return on assets | 0.2216% | 5,781 |
| Return on Equity (ROE) | 0.9502% | 5,911 |
| Retained earnings to average equity (ytd only) | 0.9502% | 5,192 |
| Net charge-offs to loans | 0.1493% | 1,597 |
| Credit loss provision to net charge-offs | 0.4831% | 3,156 |
| Earnings coverage of net charge-offs (x) | 1.9058% | 3,432 |
| Efficiency ratio | 96.5312% | 421 |
| Assets per employee ($millions) | 1.5426% | 6,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9156% | 1,132 |
| Loan loss allowance to noncurrent loans | 111.8063% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 1.5709% | 1,544 |
| Noncurrent loans to loans | 1.7133% | 1,507 |
| Net loans and leases to total assets | 78.4478% | 1,008 |
| Net loans and leases to deposits | 100.9476% | 597 |
| Net loans and leases to core deposits | 104.4052% | 1,164 |
| Total domestic deposits to total assets | 77.7115% | 5,334 |
| Equity capital to assets | 15.3497% | 637 |
| Core capital (leverage) ratio | 14.1750% | 794 |
| Tier 1 risk-based capital ratio | 16.0967% | 2,809 |
| Total risk-based capital ratio | 17.3547% | 2,759 |
| Memoranda: | ||
| Average total assets | $710,361,670 | 982 |
| Average earning assets | $651,477,670 | 982 |
| Average equity | $109,236,670 | 705 |
| Average total loans | $554,539,670 | 849 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6548% | 1,115 |
| Cost of funding earning assets | 0.4912% | 2,368 |
| Net interest margin | 4.1637% | 1,141 |
| Noninterest income to average assets | 4.4400% | 146 |
| Noninterest expense to average assets | 8.2482% | 115 |
| Loan and lease loss provision to assets | 0.0011% | 3,696 |
| Net operating income to assets | 0.0011% | 6,014 |
| Return on assets (ROA) | 0.0011% | 6,053 |
| Pretax return on assets | 0.0062% | 6,042 |
| Return on Equity (ROE) | 0.0073% | 6,054 |
| Retained earnings to average equity (ytd only) | 0.0073% | 5,365 |
| Net charge-offs to loans | 0.2860% | 835 |
| Credit loss provision to net charge-offs | 0.5115% | 2,489 |
| Earnings coverage of net charge-offs (x) | 0.0332% | 3,110 |
| Efficiency ratio | 99.1255% | 391 |
| Assets per employee ($millions) | 1.5552% | 6,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9769% | 1,127 |
| Loan loss allowance to noncurrent loans | 145.6409% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 1.2762% | 2,088 |
| Noncurrent loans to loans | 1.3574% | 2,117 |
| Net loans and leases to total assets | 75.8387% | 1,234 |
| Net loans and leases to deposits | 97.0428% | 763 |
| Net loans and leases to core deposits | 99.4556% | 1,360 |
| Total domestic deposits to total assets | 78.1498% | 5,415 |
| Equity capital to assets | 15.2644% | 667 |
| Core capital (leverage) ratio | 14.1576% | 781 |
| Tier 1 risk-based capital ratio | 16.3383% | 2,761 |
| Total risk-based capital ratio | 17.5978% | 2,695 |
| Memoranda: | ||
| Average total assets | $709,193,500 | 981 |
| Average earning assets | $649,903,000 | 988 |
| Average equity | $109,156,500 | 702 |
| Average total loans | $546,802,000 | 859 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8869% | 943 |
| Cost of funding earning assets | 0.4704% | 2,977 |
| Net interest margin | 4.4165% | 862 |
| Noninterest income to average assets | 5.2428% | 119 |
| Noninterest expense to average assets | 8.7830% | 91 |
| Loan and lease loss provision to assets | 0.0357% | 3,876 |
| Net operating income to assets | 0.2747% | 5,585 |
| Return on assets (ROA) | 0.2747% | 5,656 |
| Pretax return on assets | 0.4520% | 5,380 |
| Return on Equity (ROE) | 1.7554% | 5,834 |
| Retained earnings to average equity (ytd only) | 1.7554% | 4,940 |
| Net charge-offs to loans | 0.4172% | 1,022 |
| Credit loss provision to net charge-offs | 11.5078% | 4,086 |
| Earnings coverage of net charge-offs (x) | 1.5726% | 4,391 |
| Efficiency ratio | 93.9113% | 602 |
| Assets per employee ($millions) | 1.5727% | 6,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0979% | 949 |
| Loan loss allowance to noncurrent loans | 120.9285% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 1.5545% | 1,738 |
| Noncurrent loans to loans | 1.7348% | 1,671 |
| Net loans and leases to total assets | 75.2191% | 1,378 |
| Net loans and leases to deposits | 96.2038% | 889 |
| Net loans and leases to core deposits | 98.5572% | 1,507 |
| Total domestic deposits to total assets | 78.1873% | 5,402 |
| Equity capital to assets | 15.5211% | 599 |
| Core capital (leverage) ratio | 13.6561% | 916 |
| Tier 1 risk-based capital ratio | 16.7632% | 2,618 |
| Total risk-based capital ratio | 18.0293% | 2,560 |
| Memoranda: | ||
| Average total assets | $686,482,400 | 974 |
| Average earning assets | $626,078,400 | 981 |
| Average equity | $107,438,800 | 682 |
| Average total loans | $510,309,400 | 872 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8083% | 1,092 |
| Cost of funding earning assets | 0.4575% | 3,164 |
| Net interest margin | 4.3508% | 958 |
| Noninterest income to average assets | 5.3056% | 114 |
| Noninterest expense to average assets | 9.0668% | 81 |
| Loan and lease loss provision to assets | -0.0053% | 6,074 |
| Net operating income to assets | 0.1286% | 5,982 |
| Return on assets (ROA) | 0.1286% | 6,013 |
| Pretax return on assets | 0.2130% | 5,929 |
| Return on Equity (ROE) | 0.8198% | 6,057 |
| Retained earnings to average equity (ytd only) | 0.8198% | 5,554 |
| Net charge-offs to loans | 0.2789% | 1,409 |
| Credit loss provision to net charge-offs | -2.5665% | 5,212 |
| Earnings coverage of net charge-offs (x) | 1.0105% | 4,259 |
| Efficiency ratio | 96.9009% | 471 |
| Assets per employee ($millions) | 1.5311% | 6,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3317% | 800 |
| Loan loss allowance to noncurrent loans | 137.1145% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 1.5037% | 2,045 |
| Noncurrent loans to loans | 1.7006% | 1,916 |
| Net loans and leases to total assets | 73.2883% | 1,630 |
| Net loans and leases to deposits | 93.7661% | 1,062 |
| Net loans and leases to core deposits | 95.6225% | 1,710 |
| Total domestic deposits to total assets | 78.1608% | 5,500 |
| Equity capital to assets | 15.5232% | 632 |
| Core capital (leverage) ratio | 13.3624% | 1,043 |
| Tier 1 risk-based capital ratio | 16.7243% | 2,714 |
| Total risk-based capital ratio | 17.9925% | 2,660 |
| Memoranda: | ||
| Average total assets | $682,355,500 | 991 |
| Average earning assets | $622,465,750 | 995 |
| Average equity | $107,020,500 | 684 |
| Average total loans | $502,858,250 | 891 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8228% | 1,032 |
| Cost of funding earning assets | 0.4448% | 3,390 |
| Net interest margin | 4.3780% | 885 |
| Noninterest income to average assets | 5.2785% | 114 |
| Noninterest expense to average assets | 9.0907% | 86 |
| Loan and lease loss provision to assets | -0.0080% | 6,224 |
| Net operating income to assets | 0.1167% | 6,012 |
| Return on assets (ROA) | 0.1167% | 6,055 |
| Pretax return on assets | 0.1877% | 5,965 |
| Return on Equity (ROE) | 0.7415% | 6,098 |
| Retained earnings to average equity (ytd only) | 0.7415% | 5,441 |
| Net charge-offs to loans | 0.3851% | 1,044 |
| Credit loss provision to net charge-offs | -2.8213% | 5,052 |
| Earnings coverage of net charge-offs (x) | 0.6374% | 4,007 |
| Efficiency ratio | 97.1960% | 501 |
| Assets per employee ($millions) | 1.4572% | 6,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3892% | 821 |
| Loan loss allowance to noncurrent loans | 102.4887% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 1.9980% | 1,610 |
| Noncurrent loans to loans | 2.3312% | 1,385 |
| Net loans and leases to total assets | 72.8077% | 1,599 |
| Net loans and leases to deposits | 91.2419% | 1,244 |
| Net loans and leases to core deposits | 93.0303% | 1,860 |
| Total domestic deposits to total assets | 79.7963% | 5,290 |
| Equity capital to assets | 15.6688% | 599 |
| Core capital (leverage) ratio | 13.3120% | 1,047 |
| Tier 1 risk-based capital ratio | 16.7526% | 2,727 |
| Total risk-based capital ratio | 18.0192% | 2,687 |
| Memoranda: | ||
| Average total assets | $678,604,330 | 997 |
| Average earning assets | $618,768,670 | 1,001 |
| Average equity | $106,804,000 | 680 |
| Average total loans | $496,987,670 | 894 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8786% | 904 |
| Cost of funding earning assets | 0.4527% | 3,398 |
| Net interest margin | 4.4258% | 761 |
| Noninterest income to average assets | 5.9780% | 98 |
| Noninterest expense to average assets | 9.6434% | 81 |
| Loan and lease loss provision to assets | -0.0154% | 6,412 |
| Net operating income to assets | 0.2336% | 5,707 |
| Return on assets (ROA) | 0.2336% | 5,755 |
| Pretax return on assets | 0.3776% | 5,519 |
| Return on Equity (ROE) | 1.4807% | 5,932 |
| Retained earnings to average equity (ytd only) | 1.4807% | 5,019 |
| Net charge-offs to loans | 0.4682% | 774 |
| Credit loss provision to net charge-offs | -4.5375% | 4,652 |
| Earnings coverage of net charge-offs (x) | 1.0663% | 3,192 |
| Efficiency ratio | 95.5741% | 667 |
| Assets per employee ($millions) | 1.3949% | 6,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5443% | 772 |
| Loan loss allowance to noncurrent loans | 118.1163% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 1.9016% | 1,813 |
| Noncurrent loans to loans | 2.1541% | 1,698 |
| Net loans and leases to total assets | 71.4277% | 1,658 |
| Net loans and leases to deposits | 88.2164% | 1,333 |
| Net loans and leases to core deposits | 89.8591% | 1,924 |
| Total domestic deposits to total assets | 80.9688% | 5,246 |
| Equity capital to assets | 15.8017% | 551 |
| Core capital (leverage) ratio | 13.4215% | 996 |
| Tier 1 risk-based capital ratio | 16.8663% | 2,746 |
| Total risk-based capital ratio | 18.1355% | 2,698 |
| Memoranda: | ||
| Average total assets | $674,741,500 | 1,007 |
| Average earning assets | $614,034,000 | 1,017 |
| Average equity | $106,436,000 | 684 |
| Average total loans | $489,515,500 | 909 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9866% | 940 |
| Cost of funding earning assets | 0.5571% | 3,051 |
| Net interest margin | 4.4295% | 855 |
| Noninterest income to average assets | 7.1773% | 90 |
| Noninterest expense to average assets | 10.3018% | 76 |
| Loan and lease loss provision to assets | 0.3511% | 900 |
| Net operating income to assets | 0.3639% | 5,281 |
| Return on assets (ROA) | 0.3640% | 5,397 |
| Pretax return on assets | 0.5289% | 5,107 |
| Return on Equity (ROE) | 2.3452% | 5,725 |
| Retained earnings to average equity (ytd only) | 2.3452% | 4,578 |
| Net charge-offs to loans | 0.6359% | 1,022 |
| Credit loss provision to net charge-offs | 79.3852% | 3,061 |
| Earnings coverage of net charge-offs (x) | 1.9893% | 4,385 |
| Efficiency ratio | 91.3074% | 923 |
| Assets per employee ($millions) | 1.3486% | 6,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7350% | 644 |
| Loan loss allowance to noncurrent loans | 109.6135% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 2.1886% | 1,635 |
| Noncurrent loans to loans | 2.4951% | 1,515 |
| Net loans and leases to total assets | 69.8370% | 2,041 |
| Net loans and leases to deposits | 86.6849% | 1,609 |
| Net loans and leases to core deposits | 88.3647% | 2,204 |
| Total domestic deposits to total assets | 80.5642% | 5,304 |
| Equity capital to assets | 15.7468% | 569 |
| Core capital (leverage) ratio | 13.4575% | 970 |
| Tier 1 risk-based capital ratio | 16.9932% | 2,610 |
| Total risk-based capital ratio | 18.2686% | 2,569 |
| Memoranda: | ||
| Average total assets | $676,656,600 | 984 |
| Average earning assets | $611,723,400 | 1,000 |
| Average equity | $105,022,200 | 676 |
| Average total loans | $470,683,000 | 905 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9654% | 1,005 |
| Cost of funding earning assets | 0.5799% | 2,995 |
| Net interest margin | 4.3855% | 926 |
| Noninterest income to average assets | 7.1661% | 90 |
| Noninterest expense to average assets | 10.5289% | 75 |
| Loan and lease loss provision to assets | 0.4268% | 684 |
| Net operating income to assets | 0.1588% | 6,023 |
| Return on assets (ROA) | 0.1588% | 6,088 |
| Pretax return on assets | 0.1716% | 6,090 |
| Return on Equity (ROE) | 1.0268% | 6,178 |
| Retained earnings to average equity (ytd only) | 1.0268% | 5,571 |
| Net charge-offs to loans | 0.6790% | 886 |
| Credit loss provision to net charge-offs | 91.0962% | 2,611 |
| Earnings coverage of net charge-offs (x) | 1.2772% | 4,416 |
| Efficiency ratio | 93.7700% | 754 |
| Assets per employee ($millions) | 1.2075% | 6,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8502% | 646 |
| Loan loss allowance to noncurrent loans | 111.6851% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 2.2317% | 1,781 |
| Noncurrent loans to loans | 2.5520% | 1,683 |
| Net loans and leases to total assets | 68.6537% | 2,206 |
| Net loans and leases to deposits | 85.5785% | 1,663 |
| Net loans and leases to core deposits | 87.2476% | 2,253 |
| Total domestic deposits to total assets | 80.2231% | 5,453 |
| Equity capital to assets | 15.5221% | 626 |
| Core capital (leverage) ratio | 13.2388% | 1,116 |
| Tier 1 risk-based capital ratio | 16.7358% | 2,847 |
| Total risk-based capital ratio | 18.0132% | 2,776 |
| Memoranda: | ||
| Average total assets | $677,585,000 | 987 |
| Average earning assets | $612,031,000 | 1,004 |
| Average equity | $104,786,000 | 681 |
| Average total loans | $467,559,250 | 911 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8718% | 1,169 |
| Cost of funding earning assets | 0.6061% | 2,885 |
| Net interest margin | 4.2657% | 1,104 |
| Noninterest income to average assets | 7.1801% | 97 |
| Noninterest expense to average assets | 10.6681% | 71 |
| Loan and lease loss provision to assets | 0.6047% | 419 |
| Net operating income to assets | -0.1257% | 6,432 |
| Return on assets (ROA) | -0.1257% | 6,478 |
| Pretax return on assets | -0.2457% | 6,523 |
| Return on Equity (ROE) | -0.8135% | 6,435 |
| Retained earnings to average equity (ytd only) | -0.8135% | 6,011 |
| Net charge-offs to loans | 0.8670% | 719 |
| Credit loss provision to net charge-offs | 101.8887% | 2,172 |
| Earnings coverage of net charge-offs (x) | 0.6049% | 4,329 |
| Efficiency ratio | 95.8859% | 663 |
| Assets per employee ($millions) | 1.1952% | 6,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9961% | 588 |
| Loan loss allowance to noncurrent loans | 77.0598% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 3.3540% | 1,166 |
| Noncurrent loans to loans | 3.8880% | 1,024 |
| Net loans and leases to total assets | 66.5019% | 2,507 |
| Net loans and leases to deposits | 82.5794% | 1,982 |
| Net loans and leases to core deposits | 84.1052% | 2,551 |
| Total domestic deposits to total assets | 80.5308% | 5,467 |
| Equity capital to assets | 15.3253% | 649 |
| Core capital (leverage) ratio | 13.2172% | 1,089 |
| Tier 1 risk-based capital ratio | 17.1784% | 2,649 |
| Total risk-based capital ratio | 18.4593% | 2,609 |
| Memoranda: | ||
| Average total assets | $678,041,000 | 983 |
| Average earning assets | $611,480,670 | 1,009 |
| Average equity | $104,727,000 | 685 |
| Average total loans | $464,123,000 | 914 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9191% | 1,033 |
| Cost of funding earning assets | 0.6569% | 2,592 |
| Net interest margin | 4.2622% | 1,043 |
| Noninterest income to average assets | 7.5887% | 94 |
| Noninterest expense to average assets | 9.6116% | 88 |
| Loan and lease loss provision to assets | 0.8672% | 234 |
| Net operating income to assets | 0.5917% | 4,259 |
| Return on assets (ROA) | 0.5917% | 4,404 |
| Pretax return on assets | 0.9449% | 3,586 |
| Return on Equity (ROE) | 3.8159% | 5,183 |
| Retained earnings to average equity (ytd only) | 3.8159% | 3,941 |
| Net charge-offs to loans | 0.9959% | 612 |
| Credit loss provision to net charge-offs | 127.3120% | 1,535 |
| Earnings coverage of net charge-offs (x) | 2.6603% | 2,978 |
| Efficiency ratio | 83.3076% | 1,855 |
| Assets per employee ($millions) | 1.2008% | 6,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0617% | 616 |
| Loan loss allowance to noncurrent loans | 72.3239% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 3.7295% | 1,111 |
| Noncurrent loans to loans | 4.2333% | 1,028 |
| Net loans and leases to total assets | 66.0224% | 2,368 |
| Net loans and leases to deposits | 81.4814% | 1,899 |
| Net loans and leases to core deposits | 83.1947% | 2,436 |
| Total domestic deposits to total assets | 81.0276% | 5,489 |
| Equity capital to assets | 15.6022% | 627 |
| Core capital (leverage) ratio | 13.8232% | 843 |
| Tier 1 risk-based capital ratio | 18.3695% | 2,236 |
| Total risk-based capital ratio | 19.6521% | 2,196 |
| Memoranda: | ||
| Average total assets | $679,430,500 | 990 |
| Average earning assets | $611,331,000 | 1,013 |
| Average equity | $105,347,500 | 688 |
| Average total loans | $464,718,500 | 914 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0079% | 1,539 |
| Cost of funding earning assets | 0.7712% | 2,905 |
| Net interest margin | 4.2367% | 1,554 |
| Noninterest income to average assets | 8.3076% | 87 |
| Noninterest expense to average assets | 10.0629% | 79 |
| Loan and lease loss provision to assets | 0.8132% | 592 |
| Net operating income to assets | 0.9506% | 2,544 |
| Return on assets (ROA) | 0.9509% | 2,794 |
| Pretax return on assets | 1.2216% | 2,719 |
| Return on Equity (ROE) | 6.3136% | 4,010 |
| Retained earnings to average equity (ytd only) | 6.3136% | 1,915 |
| Net charge-offs to loans | 1.0501% | 1,024 |
| Credit loss provision to net charge-offs | 120.3509% | 2,381 |
| Earnings coverage of net charge-offs (x) | 3.0107% | 3,923 |
| Efficiency ratio | 82.2676% | 1,830 |
| Assets per employee ($millions) | 1.1591% | 7,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9597% | 690 |
| Loan loss allowance to noncurrent loans | 74.4416% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 3.5569% | 1,264 |
| Noncurrent loans to loans | 3.9759% | 1,186 |
| Net loans and leases to total assets | 66.6550% | 2,428 |
| Net loans and leases to deposits | 84.0924% | 1,745 |
| Net loans and leases to core deposits | 85.8074% | 2,334 |
| Total domestic deposits to total assets | 79.2640% | 5,835 |
| Equity capital to assets | 15.4086% | 654 |
| Core capital (leverage) ratio | 13.5349% | 929 |
| Tier 1 risk-based capital ratio | 18.0718% | 2,239 |
| Total risk-based capital ratio | 19.3508% | 2,200 |
| Memoranda: | ||
| Average total assets | $674,827,800 | 970 |
| Average earning assets | $603,628,000 | 992 |
| Average equity | $101,637,800 | 701 |
| Average total loans | $434,255,800 | 963 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9861% | 1,720 |
| Cost of funding earning assets | 0.7940% | 2,994 |
| Net interest margin | 4.1921% | 1,761 |
| Noninterest income to average assets | 8.3670% | 88 |
| Noninterest expense to average assets | 10.1110% | 78 |
| Loan and lease loss provision to assets | 0.7549% | 653 |
| Net operating income to assets | 1.0353% | 2,341 |
| Return on assets (ROA) | 1.0353% | 2,561 |
| Pretax return on assets | 1.2493% | 2,794 |
| Return on Equity (ROE) | 6.9139% | 3,860 |
| Retained earnings to average equity (ytd only) | 6.9139% | 2,174 |
| Net charge-offs to loans | 1.0179% | 1,044 |
| Credit loss provision to net charge-offs | 117.2509% | 2,481 |
| Earnings coverage of net charge-offs (x) | 3.1129% | 3,778 |
| Efficiency ratio | 82.5127% | 1,754 |
| Assets per employee ($millions) | 1.1588% | 7,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9800% | 727 |
| Loan loss allowance to noncurrent loans | 84.1457% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 3.7558% | 1,315 |
| Noncurrent loans to loans | 3.5415% | 1,532 |
| Net loans and leases to total assets | 64.6658% | 2,897 |
| Net loans and leases to deposits | 82.2140% | 2,090 |
| Net loans and leases to core deposits | 84.2318% | 2,667 |
| Total domestic deposits to total assets | 78.6554% | 5,940 |
| Equity capital to assets | 15.2961% | 753 |
| Core capital (leverage) ratio | 13.3649% | 1,053 |
| Tier 1 risk-based capital ratio | 18.3025% | 2,230 |
| Total risk-based capital ratio | 19.5809% | 2,194 |
| Memoranda: | ||
| Average total assets | $673,438,000 | 980 |
| Average earning assets | $602,136,500 | 1,002 |
| Average equity | $100,837,750 | 709 |
| Average total loans | $425,983,750 | 989 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9140% | 2,048 |
| Cost of funding earning assets | 0.8121% | 3,099 |
| Net interest margin | 4.1019% | 2,086 |
| Noninterest income to average assets | 8.1736% | 89 |
| Noninterest expense to average assets | 10.0698% | 80 |
| Loan and lease loss provision to assets | 0.6831% | 822 |
| Net operating income to assets | 1.0054% | 2,439 |
| Return on assets (ROA) | 1.0054% | 2,657 |
| Pretax return on assets | 1.0965% | 3,313 |
| Return on Equity (ROE) | 6.7637% | 3,910 |
| Retained earnings to average equity (ytd only) | 6.7637% | 2,242 |
| Net charge-offs to loans | 1.1951% | 906 |
| Credit loss provision to net charge-offs | 92.0209% | 2,977 |
| Earnings coverage of net charge-offs (x) | 2.3974% | 3,797 |
| Efficiency ratio | 84.0145% | 1,631 |
| Assets per employee ($millions) | 1.1348% | 7,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9912% | 786 |
| Loan loss allowance to noncurrent loans | 74.1811% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 3.8662% | 1,342 |
| Noncurrent loans to loans | 4.0323% | 1,363 |
| Net loans and leases to total assets | 61.5423% | 3,522 |
| Net loans and leases to deposits | 78.1851% | 2,642 |
| Net loans and leases to core deposits | 79.8811% | 3,236 |
| Total domestic deposits to total assets | 78.7136% | 6,017 |
| Equity capital to assets | 15.2079% | 734 |
| Core capital (leverage) ratio | 13.2272% | 1,085 |
| Tier 1 risk-based capital ratio | 18.6896% | 2,076 |
| Total risk-based capital ratio | 19.9657% | 2,023 |
| Memoranda: | ||
| Average total assets | $671,947,330 | 981 |
| Average earning assets | $602,159,000 | 1,002 |
| Average equity | $99,885,670 | 716 |
| Average total loans | $417,364,670 | 1,005 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9330% | 2,121 |
| Cost of funding earning assets | 0.8291% | 3,241 |
| Net interest margin | 4.1039% | 2,075 |
| Noninterest income to average assets | 8.1205% | 84 |
| Noninterest expense to average assets | 10.2181% | 79 |
| Loan and lease loss provision to assets | 0.8444% | 557 |
| Net operating income to assets | 0.4587% | 4,998 |
| Return on assets (ROA) | 0.4587% | 5,194 |
| Pretax return on assets | 0.7404% | 4,646 |
| Return on Equity (ROE) | 3.1218% | 5,671 |
| Retained earnings to average equity (ytd only) | 3.1218% | 4,690 |
| Net charge-offs to loans | 1.3015% | 781 |
| Credit loss provision to net charge-offs | 105.5721% | 2,188 |
| Earnings coverage of net charge-offs (x) | 1.9814% | 3,348 |
| Efficiency ratio | 85.6014% | 1,513 |
| Assets per employee ($millions) | 1.1344% | 7,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1163% | 743 |
| Loan loss allowance to noncurrent loans | 51.6269% | 4,978 |
| Noncurrent assets plus other real estate owned to assets | 4.3123% | 1,260 |
| Noncurrent loans to loans | 6.0361% | 832 |
| Net loans and leases to total assets | 60.0851% | 3,647 |
| Net loans and leases to deposits | 75.5890% | 2,864 |
| Net loans and leases to core deposits | 76.9541% | 3,477 |
| Total domestic deposits to total assets | 79.4892% | 5,979 |
| Equity capital to assets | 14.7805% | 789 |
| Core capital (leverage) ratio | 12.7641% | 1,219 |
| Tier 1 risk-based capital ratio | 18.4540% | 2,160 |
| Total risk-based capital ratio | 19.7326% | 2,122 |
| Memoranda: | ||
| Average total assets | $673,161,000 | 978 |
| Average earning assets | $604,011,000 | 996 |
| Average equity | $98,918,500 | 721 |
| Average total loans | $413,675,500 | 1,013 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9986% | 2,886 |
| Cost of funding earning assets | 1.0910% | 2,730 |
| Net interest margin | 3.9076% | 3,303 |
| Noninterest income to average assets | 8.3534% | 73 |
| Noninterest expense to average assets | 9.5137% | 79 |
| Loan and lease loss provision to assets | 1.0104% | 935 |
| Net operating income to assets | 0.7862% | 3,105 |
| Return on assets (ROA) | 0.8216% | 3,108 |
| Pretax return on assets | 1.3572% | 1,922 |
| Return on Equity (ROE) | 5.8988% | 3,922 |
| Retained earnings to average equity (ytd only) | 5.8988% | 2,075 |
| Net charge-offs to loans | 1.8894% | 762 |
| Credit loss provision to net charge-offs | 85.6933% | 4,215 |
| Earnings coverage of net charge-offs (x) | 1.9610% | 4,311 |
| Efficiency ratio | 79.3522% | 2,395 |
| Assets per employee ($millions) | 1.1190% | 7,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1366% | 720 |
| Loan loss allowance to noncurrent loans | 43.5034% | 5,402 |
| Noncurrent assets plus other real estate owned to assets | 5.1822% | 1,009 |
| Noncurrent loans to loans | 7.2101% | 609 |
| Net loans and leases to total assets | 58.9805% | 4,199 |
| Net loans and leases to deposits | 74.4241% | 3,433 |
| Net loans and leases to core deposits | 75.6067% | 4,037 |
| Total domestic deposits to total assets | 79.2492% | 5,931 |
| Equity capital to assets | 14.6091% | 870 |
| Core capital (leverage) ratio | 12.5630% | 1,323 |
| Tier 1 risk-based capital ratio | 19.1158% | 1,865 |
| Total risk-based capital ratio | 20.3872% | 1,827 |
| Memoranda: | ||
| Average total assets | $692,399,800 | 942 |
| Average earning assets | $615,316,200 | 955 |
| Average equity | $96,444,000 | 713 |
| Average total loans | $432,084,600 | 967 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0403% | 2,889 |
| Cost of funding earning assets | 1.1346% | 2,742 |
| Net interest margin | 3.9057% | 3,354 |
| Noninterest income to average assets | 8.2855% | 74 |
| Noninterest expense to average assets | 9.4877% | 79 |
| Loan and lease loss provision to assets | 1.0049% | 851 |
| Net operating income to assets | 0.7521% | 3,371 |
| Return on assets (ROA) | 0.7987% | 3,332 |
| Pretax return on assets | 1.3302% | 2,182 |
| Return on Equity (ROE) | 5.8024% | 4,116 |
| Retained earnings to average equity (ytd only) | 5.8024% | 2,672 |
| Net charge-offs to loans | 1.8726% | 699 |
| Credit loss provision to net charge-offs | 85.4957% | 3,945 |
| Earnings coverage of net charge-offs (x) | 1.9248% | 4,210 |
| Efficiency ratio | 79.6170% | 2,315 |
| Assets per employee ($millions) | 1.1483% | 7,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1309% | 774 |
| Loan loss allowance to noncurrent loans | 44.1049% | 5,382 |
| Noncurrent assets plus other real estate owned to assets | 5.3679% | 1,050 |
| Noncurrent loans to loans | 7.0988% | 695 |
| Net loans and leases to total assets | 59.7140% | 4,183 |
| Net loans and leases to deposits | 77.4352% | 3,096 |
| Net loans and leases to core deposits | 78.4916% | 3,830 |
| Total domestic deposits to total assets | 77.1147% | 6,361 |
| Equity capital to assets | 14.2521% | 1,066 |
| Core capital (leverage) ratio | 12.1737% | 1,608 |
| Tier 1 risk-based capital ratio | 18.6113% | 2,058 |
| Total risk-based capital ratio | 19.8831% | 2,007 |
| Memoranda: | ||
| Average total assets | $696,812,500 | 940 |
| Average earning assets | $618,125,750 | 965 |
| Average equity | $95,911,250 | 719 |
| Average total loans | $437,391,500 | 967 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0697% | 2,834 |
| Cost of funding earning assets | 1.1750% | 2,744 |
| Net interest margin | 3.8947% | 3,334 |
| Noninterest income to average assets | 8.2095% | 80 |
| Noninterest expense to average assets | 9.4447% | 81 |
| Loan and lease loss provision to assets | 0.8217% | 1,115 |
| Net operating income to assets | 0.8957% | 2,656 |
| Return on assets (ROA) | 0.9645% | 2,476 |
| Pretax return on assets | 1.4977% | 1,542 |
| Return on Equity (ROE) | 7.0885% | 3,412 |
| Retained earnings to average equity (ytd only) | 7.0885% | 1,839 |
| Net charge-offs to loans | 1.5768% | 934 |
| Credit loss provision to net charge-offs | 82.5365% | 3,694 |
| Earnings coverage of net charge-offs (x) | 2.2219% | 3,723 |
| Efficiency ratio | 79.8944% | 2,404 |
| Assets per employee ($millions) | 1.1566% | 7,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2098% | 758 |
| Loan loss allowance to noncurrent loans | 44.3627% | 5,360 |
| Noncurrent assets plus other real estate owned to assets | 5.2564% | 1,152 |
| Noncurrent loans to loans | 7.2354% | 692 |
| Net loans and leases to total assets | 58.9141% | 4,482 |
| Net loans and leases to deposits | 77.2582% | 3,257 |
| Net loans and leases to core deposits | 78.3852% | 4,011 |
| Total domestic deposits to total assets | 76.2562% | 6,561 |
| Equity capital to assets | 14.0651% | 1,077 |
| Core capital (leverage) ratio | 11.9208% | 1,645 |
| Tier 1 risk-based capital ratio | 18.5142% | 2,009 |
| Total risk-based capital ratio | 19.7871% | 1,954 |
| Memoranda: | ||
| Average total assets | $701,727,330 | 945 |
| Average earning assets | $621,104,000 | 967 |
| Average equity | $95,478,670 | 719 |
| Average total loans | $443,037,330 | 971 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0823% | 2,729 |
| Cost of funding earning assets | 1.2200% | 2,684 |
| Net interest margin | 3.8623% | 3,330 |
| Noninterest income to average assets | 8.8338% | 76 |
| Noninterest expense to average assets | 9.3238% | 81 |
| Loan and lease loss provision to assets | 0.7893% | 1,081 |
| Net operating income to assets | 1.3285% | 1,207 |
| Return on assets (ROA) | 1.3567% | 1,193 |
| Pretax return on assets | 2.1837% | 411 |
| Return on Equity (ROE) | 10.1368% | 2,050 |
| Retained earnings to average equity (ytd only) | 10.1368% | 1,092 |
| Net charge-offs to loans | 1.7455% | 754 |
| Credit loss provision to net charge-offs | 70.3927% | 3,344 |
| Earnings coverage of net charge-offs (x) | 2.6123% | 3,035 |
| Efficiency ratio | 75.0311% | 3,330 |
| Assets per employee ($millions) | 1.2082% | 7,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0783% | 850 |
| Loan loss allowance to noncurrent loans | 47.9987% | 5,120 |
| Noncurrent assets plus other real estate owned to assets | 5.3910% | 1,140 |
| Noncurrent loans to loans | 6.4133% | 948 |
| Net loans and leases to total assets | 61.4595% | 3,972 |
| Net loans and leases to deposits | 80.6743% | 2,575 |
| Net loans and leases to core deposits | 81.8101% | 3,479 |
| Total domestic deposits to total assets | 76.1823% | 6,642 |
| Equity capital to assets | 13.9073% | 1,028 |
| Core capital (leverage) ratio | 11.7158% | 1,728 |
| Tier 1 risk-based capital ratio | 17.4275% | 2,328 |
| Total risk-based capital ratio | 18.6988% | 2,282 |
| Memoranda: | ||
| Average total assets | $708,508,000 | 944 |
| Average earning assets | $627,193,500 | 964 |
| Average equity | $94,822,500 | 712 |
| Average total loans | $455,120,000 | 964 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1237% | 3,986 |
| Cost of funding earning assets | 1.5485% | 2,360 |
| Net interest margin | 3.5752% | 4,937 |
| Noninterest income to average assets | 6.2392% | 107 |
| Noninterest expense to average assets | 7.8428% | 120 |
| Loan and lease loss provision to assets | 1.5282% | 965 |
| Net operating income to assets | 0.0232% | 5,766 |
| Return on assets (ROA) | 0.1729% | 5,532 |
| Pretax return on assets | 0.2491% | 5,357 |
| Return on Equity (ROE) | 1.4825% | 5,565 |
| Retained earnings to average equity (ytd only) | 1.4825% | 4,787 |
| Net charge-offs to loans | 3.1847% | 499 |
| Credit loss provision to net charge-offs | 72.0693% | 5,810 |
| Earnings coverage of net charge-offs (x) | 0.7359% | 5,381 |
| Efficiency ratio | 81.9554% | 2,171 |
| Assets per employee ($millions) | 1.2200% | 7,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9730% | 893 |
| Loan loss allowance to noncurrent loans | 44.7797% | 5,338 |
| Noncurrent assets plus other real estate owned to assets | 5.9353% | 1,011 |
| Noncurrent loans to loans | 6.6391% | 882 |
| Net loans and leases to total assets | 63.0861% | 4,050 |
| Net loans and leases to deposits | 82.1620% | 2,768 |
| Net loans and leases to core deposits | 83.5514% | 3,656 |
| Total domestic deposits to total assets | 76.7826% | 6,514 |
| Equity capital to assets | 12.8863% | 1,445 |
| Core capital (leverage) ratio | 10.5180% | 2,539 |
| Tier 1 risk-based capital ratio | 15.4257% | 3,032 |
| Total risk-based capital ratio | 16.6961% | 2,983 |
| Memoranda: | ||
| Average total assets | $789,682,200 | 853 |
| Average earning assets | $698,851,000 | 881 |
| Average equity | $92,074,200 | 726 |
| Average total loans | $525,801,000 | 852 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1449% | 4,098 |
| Cost of funding earning assets | 1.6215% | 2,270 |
| Net interest margin | 3.5234% | 5,209 |
| Noninterest income to average assets | 5.9102% | 116 |
| Noninterest expense to average assets | 7.6280% | 124 |
| Loan and lease loss provision to assets | 1.6450% | 782 |
| Net operating income to assets | -0.2038% | 6,330 |
| Return on assets (ROA) | 0.0316% | 6,058 |
| Pretax return on assets | 0.0382% | 6,027 |
| Return on Equity (ROE) | 0.2778% | 6,058 |
| Retained earnings to average equity (ytd only) | 0.2778% | 5,674 |
| Net charge-offs to loans | 3.6594% | 358 |
| Credit loss provision to net charge-offs | 67.1578% | 5,502 |
| Earnings coverage of net charge-offs (x) | 0.5714% | 5,444 |
| Efficiency ratio | 82.9721% | 1,951 |
| Assets per employee ($millions) | 1.2581% | 7,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8442% | 968 |
| Loan loss allowance to noncurrent loans | 40.0346% | 5,629 |
| Noncurrent assets plus other real estate owned to assets | 6.2003% | 950 |
| Noncurrent loans to loans | 7.1044% | 778 |
| Net loans and leases to total assets | 63.4085% | 4,234 |
| Net loans and leases to deposits | 83.0661% | 2,898 |
| Net loans and leases to core deposits | 87.6713% | 3,420 |
| Total domestic deposits to total assets | 76.3351% | 6,595 |
| Equity capital to assets | 12.3721% | 1,930 |
| Core capital (leverage) ratio | 9.9768% | 3,282 |
| Tier 1 risk-based capital ratio | 14.5250% | 3,497 |
| Total risk-based capital ratio | 15.7939% | 3,455 |
| Memoranda: | ||
| Average total assets | $805,326,250 | 842 |
| Average earning assets | $712,554,000 | 862 |
| Average equity | $91,668,500 | 727 |
| Average total loans | $539,061,750 | 838 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1444% | 4,219 |
| Cost of funding earning assets | 1.6973% | 2,128 |
| Net interest margin | 3.4472% | 5,448 |
| Noninterest income to average assets | 5.5511% | 122 |
| Noninterest expense to average assets | 7.2917% | 139 |
| Loan and lease loss provision to assets | 1.7842% | 693 |
| Net operating income to assets | -0.3818% | 6,546 |
| Return on assets (ROA) | -0.0337% | 6,214 |
| Pretax return on assets | -0.0422% | 6,189 |
| Return on Equity (ROE) | -0.3041% | 6,216 |
| Retained earnings to average equity (ytd only) | -0.3041% | 5,794 |
| Net charge-offs to loans | 4.3206% | 281 |
| Credit loss provision to net charge-offs | 61.2318% | 5,182 |
| Earnings coverage of net charge-offs (x) | 0.4485% | 5,270 |
| Efficiency ratio | 83.2379% | 2,008 |
| Assets per employee ($millions) | 1.3125% | 7,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6979% | 1,093 |
| Loan loss allowance to noncurrent loans | 35.7489% | 5,980 |
| Noncurrent assets plus other real estate owned to assets | 6.5578% | 850 |
| Noncurrent loans to loans | 7.5468% | 712 |
| Net loans and leases to total assets | 63.5016% | 4,350 |
| Net loans and leases to deposits | 85.2064% | 2,659 |
| Net loans and leases to core deposits | 91.6857% | 3,032 |
| Total domestic deposits to total assets | 74.5268% | 6,908 |
| Equity capital to assets | 11.5693% | 2,385 |
| Core capital (leverage) ratio | 9.3890% | 3,977 |
| Tier 1 risk-based capital ratio | 13.6310% | 3,985 |
| Total risk-based capital ratio | 14.8980% | 3,937 |
| Memoranda: | ||
| Average total assets | $824,668,330 | 826 |
| Average earning assets | $729,059,000 | 842 |
| Average equity | $91,405,670 | 718 |
| Average total loans | $556,174,330 | 824 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2829% | 3,629 |
| Cost of funding earning assets | 1.7343% | 2,212 |
| Net interest margin | 3.5486% | 4,949 |
| Noninterest income to average assets | 5.4521% | 134 |
| Noninterest expense to average assets | 7.1651% | 145 |
| Loan and lease loss provision to assets | 2.3881% | 445 |
| Net operating income to assets | -0.6172% | 6,909 |
| Return on assets (ROA) | -0.1041% | 6,513 |
| Pretax return on assets | -0.1667% | 6,527 |
| Return on Equity (ROE) | -0.9596% | 6,520 |
| Retained earnings to average equity (ytd only) | -0.9596% | 6,036 |
| Net charge-offs to loans | 5.7570% | 192 |
| Credit loss provision to net charge-offs | 60.5719% | 4,286 |
| Earnings coverage of net charge-offs (x) | 0.3601% | 4,717 |
| Efficiency ratio | 81.9209% | 2,277 |
| Assets per employee ($millions) | 1.4038% | 7,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8120% | 969 |
| Loan loss allowance to noncurrent loans | 36.0408% | 5,971 |
| Noncurrent assets plus other real estate owned to assets | 6.8510% | 798 |
| Noncurrent loans to loans | 7.8024% | 710 |
| Net loans and leases to total assets | 65.0258% | 4,097 |
| Net loans and leases to deposits | 86.0159% | 2,586 |
| Net loans and leases to core deposits | 95.6382% | 2,622 |
| Total domestic deposits to total assets | 75.5974% | 6,817 |
| Equity capital to assets | 11.2144% | 2,575 |
| Core capital (leverage) ratio | 8.9455% | 4,654 |
| Tier 1 risk-based capital ratio | 12.7094% | 4,549 |
| Total risk-based capital ratio | 13.9778% | 4,503 |
| Memoranda: | ||
| Average total assets | $837,332,000 | 825 |
| Average earning assets | $739,217,500 | 850 |
| Average equity | $90,869,500 | 724 |
| Average total loans | $573,427,500 | 816 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7457% | 2,882 |
| Cost of funding earning assets | 2.2993% | 1,662 |
| Net interest margin | 3.4463% | 5,185 |
| Noninterest income to average assets | 5.2212% | 136 |
| Noninterest expense to average assets | 7.4875% | 171 |
| Loan and lease loss provision to assets | 3.6256% | 419 |
| Net operating income to assets | -2.8720% | 7,366 |
| Return on assets (ROA) | -2.6343% | 7,312 |
| Pretax return on assets | -2.5449% | 7,157 |
| Return on Equity (ROE) | -27.5858% | 7,354 |
| Retained earnings to average equity (ytd only) | -27.5858% | 7,329 |
| Net charge-offs to loans | 3.6756% | 507 |
| Credit loss provision to net charge-offs | 132.2392% | 3,793 |
| Earnings coverage of net charge-offs (x) | 0.3075% | 5,810 |
| Efficiency ratio | 86.0545% | 2,106 |
| Assets per employee ($millions) | 1.4272% | 7,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1403% | 685 |
| Loan loss allowance to noncurrent loans | 43.9251% | 5,482 |
| Noncurrent assets plus other real estate owned to assets | 7.2335% | 693 |
| Noncurrent loans to loans | 7.1492% | 769 |
| Net loans and leases to total assets | 67.8054% | 3,745 |
| Net loans and leases to deposits | 89.0100% | 2,388 |
| Net loans and leases to core deposits | 100.0889% | 3,990 |
| Total domestic deposits to total assets | 76.1772% | 6,640 |
| Equity capital to assets | 10.5026% | 3,177 |
| Core capital (leverage) ratio | 8.4198% | 5,407 |
| Tier 1 risk-based capital ratio | 11.7036% | 5,194 |
| Total risk-based capital ratio | 12.9769% | 5,135 |
| Memoranda: | ||
| Average total assets | $928,960,400 | 725 |
| Average earning assets | $838,107,800 | 728 |
| Average equity | $88,712,400 | 727 |
| Average total loans | $692,927,200 | 674 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7928% | 2,927 |
| Cost of funding earning assets | 2.3874% | 1,676 |
| Net interest margin | 3.4054% | 5,243 |
| Noninterest income to average assets | 5.0693% | 137 |
| Noninterest expense to average assets | 7.6675% | 165 |
| Loan and lease loss provision to assets | 4.0658% | 295 |
| Net operating income to assets | -3.7432% | 7,718 |
| Return on assets (ROA) | -3.4345% | 7,684 |
| Pretax return on assets | -3.2695% | 7,566 |
| Return on Equity (ROE) | -36.7899% | 7,722 |
| Retained earnings to average equity (ytd only) | -36.7899% | 7,713 |
| Net charge-offs to loans | 3.7105% | 392 |
| Credit loss provision to net charge-offs | 144.8960% | 3,357 |
| Earnings coverage of net charge-offs (x) | 0.1738% | 5,850 |
| Efficiency ratio | 89.4286% | 1,743 |
| Assets per employee ($millions) | 1.5037% | 7,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9843% | 675 |
| Loan loss allowance to noncurrent loans | 36.5427% | 5,963 |
| Noncurrent assets plus other real estate owned to assets | 7.1474% | 658 |
| Noncurrent loans to loans | 8.1666% | 584 |
| Net loans and leases to total assets | 70.0642% | 3,499 |
| Net loans and leases to deposits | 90.8146% | 2,428 |
| Net loans and leases to core deposits | 101.6469% | 4,196 |
| Total domestic deposits to total assets | 77.1508% | 6,302 |
| Equity capital to assets | 9.6685% | 4,536 |
| Core capital (leverage) ratio | 7.6153% | 6,839 |
| Tier 1 risk-based capital ratio | 10.5198% | 6,447 |
| Total risk-based capital ratio | 11.7921% | 6,384 |
| Memoranda: | ||
| Average total assets | $948,186,750 | 719 |
| Average earning assets | $859,212,000 | 716 |
| Average equity | $88,518,500 | 743 |
| Average total loans | $717,041,500 | 663 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9689% | 2,306 |
| Cost of funding earning assets | 2.4518% | 1,772 |
| Net interest margin | 3.5171% | 4,719 |
| Noninterest income to average assets | 5.0274% | 132 |
| Noninterest expense to average assets | 7.0349% | 217 |
| Loan and lease loss provision to assets | 2.4984% | 627 |
| Net operating income to assets | -1.3448% | 7,183 |
| Return on assets (ROA) | -0.8978% | 6,909 |
| Pretax return on assets | -0.8679% | 6,729 |
| Return on Equity (ROE) | -9.7257% | 7,012 |
| Retained earnings to average equity (ytd only) | -9.7257% | 6,846 |
| Net charge-offs to loans | 2.4542% | 715 |
| Credit loss provision to net charge-offs | 132.7522% | 3,518 |
| Earnings coverage of net charge-offs (x) | 0.6289% | 5,076 |
| Efficiency ratio | 83.2988% | 2,567 |
| Assets per employee ($millions) | 1.4779% | 8,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8954% | 1,808 |
| Loan loss allowance to noncurrent loans | 33.1947% | 6,244 |
| Noncurrent assets plus other real estate owned to assets | 5.4960% | 920 |
| Noncurrent loans to loans | 5.7098% | 995 |
| Net loans and leases to total assets | 73.2338% | 2,901 |
| Net loans and leases to deposits | 93.7598% | 2,131 |
| Net loans and leases to core deposits | 104.7299% | 3,986 |
| Total domestic deposits to total assets | 78.1080% | 6,046 |
| Equity capital to assets | 9.0716% | 5,212 |
| Core capital (leverage) ratio | 7.0447% | 7,503 |
| Tier 1 risk-based capital ratio | 9.3721% | 7,491 |
| Total risk-based capital ratio | 10.6304% | 7,463 |
| Memoranda: | ||
| Average total assets | $963,000,330 | 724 |
| Average earning assets | $873,724,330 | 719 |
| Average equity | $88,898,330 | 743 |
| Average total loans | $738,495,330 | 661 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0420% | 2,188 |
| Cost of funding earning assets | 2.4891% | 1,961 |
| Net interest margin | 3.5529% | 4,513 |
| Noninterest income to average assets | 4.9866% | 130 |
| Noninterest expense to average assets | 6.1937% | 273 |
| Loan and lease loss provision to assets | 2.5763% | 442 |
| Net operating income to assets | -0.2305% | 6,598 |
| Return on assets (ROA) | 0.1062% | 6,127 |
| Pretax return on assets | -0.0194% | 6,401 |
| Return on Equity (ROE) | 1.1408% | 6,088 |
| Retained earnings to average equity (ytd only) | 1.1408% | 5,187 |
| Net charge-offs to loans | 2.3438% | 622 |
| Credit loss provision to net charge-offs | 141.4889% | 2,889 |
| Earnings coverage of net charge-offs (x) | 1.1153% | 4,194 |
| Efficiency ratio | 73.0215% | 4,004 |
| Assets per employee ($millions) | 1.4899% | 8,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6585% | 2,272 |
| Loan loss allowance to noncurrent loans | 28.0467% | 6,682 |
| Noncurrent assets plus other real estate owned to assets | 5.5388% | 766 |
| Noncurrent loans to loans | 5.9134% | 822 |
| Net loans and leases to total assets | 75.5955% | 2,364 |
| Net loans and leases to deposits | 97.4603% | 1,743 |
| Net loans and leases to core deposits | 108.9529% | 3,568 |
| Total domestic deposits to total assets | 77.5654% | 6,132 |
| Equity capital to assets | 9.2898% | 4,949 |
| Core capital (leverage) ratio | 7.1874% | 7,491 |
| Tier 1 risk-based capital ratio | 9.5608% | 7,377 |
| Total risk-based capital ratio | 10.8169% | 7,307 |
| Memoranda: | ||
| Average total assets | $967,882,000 | 720 |
| Average earning assets | $882,098,000 | 717 |
| Average equity | $90,110,500 | 735 |
| Average total loans | $751,953,500 | 656 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7449% | 1,884 |
| Cost of funding earning assets | 3.0136% | 1,826 |
| Net interest margin | 3.7312% | 4,318 |
| Noninterest income to average assets | 4.7881% | 130 |
| Noninterest expense to average assets | 12.9286% | 93 |
| Loan and lease loss provision to assets | 1.4590% | 931 |
| Net operating income to assets | -6.2127% | 8,162 |
| Return on assets (ROA) | -5.8915% | 8,137 |
| Pretax return on assets | -5.9886% | 8,103 |
| Return on Equity (ROE) | -47.9355% | 8,140 |
| Retained earnings to average equity (ytd only) | -47.9355% | 8,122 |
| Net charge-offs to loans | 1.3830% | 852 |
| Credit loss provision to net charge-offs | 140.9310% | 3,766 |
| Earnings coverage of net charge-offs (x) | -4.6918% | 6,827 |
| Efficiency ratio | 88.3178% | 1,651 |
| Assets per employee ($millions) | 1.5114% | 8,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3852% | 3,286 |
| Loan loss allowance to noncurrent loans | 27.0827% | 6,887 |
| Noncurrent assets plus other real estate owned to assets | 4.7247% | 767 |
| Noncurrent loans to loans | 5.1147% | 844 |
| Net loans and leases to total assets | 77.4243% | 2,282 |
| Net loans and leases to deposits | 101.4662% | 1,651 |
| Net loans and leases to core deposits | 113.7968% | 3,362 |
| Total domestic deposits to total assets | 76.3055% | 6,164 |
| Equity capital to assets | 9.3303% | 4,902 |
| Core capital (leverage) ratio | 7.2852% | 7,431 |
| Tier 1 risk-based capital ratio | 9.6079% | 7,201 |
| Total risk-based capital ratio | 10.8606% | 7,087 |
| Memoranda: | ||
| Average total assets | $1,002,229,400 | 662 |
| Average earning assets | $881,856,000 | 685 |
| Average equity | $123,178,000 | 549 |
| Average total loans | $750,239,600 | 641 |